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Can an interest-free credit facility be more efficient than a usurious payday loan?

کلیدواژه: cooperatives ؛ financial exclusion ؛ interest-free loan ؛ liquidity facility ؛ payday loan

نویسندگان: Salleh, Murizah Osman ؛ Jaafar, Aziz ؛ Ebrahim, M. Shahid

ناشر: Journal of Economic Behavior & Organization

Inefficiencies in mainstream credit markets have pushed selected households to frequent high cost payday loans for their liquidity needs. Ironically, despite the prohibitive cost there is still persistent demand for the product. This paper rides on the public policy objective of expanding affordable... ادامه

سال:2014

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Islamic loan (Al-Qardh)

کلیدواژه:

نویسندگان: Billah, Mohd Ma’Sum

ناشر: Palgrave Macmillan, Cham

... ادامه

سال:2019

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Islamic Commercial Law)The Contract of loan (al-Qard)(

کلیدواژه:

نویسندگان: Muhammad Yusuf Saleem

ناشر:  International Islamic University Malaysia, the leading organisation in research in Islamic finance

... ادامه

سال:2015

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IS ANY BENEFIT FROM A loan PROHIBITED IN ISLAM?

کلیدواژه: Benefit ؛ interest ؛ Islam ؛ loan ؛ Reciprocal Loans

نویسندگان: Abozaid, Abdulazeem

ناشر: International Journal of Business and Management Studies

It is a well-established rule in the Shariah (Islamic law) that a loan contract is of a charitable nature and as such the lender may not stipulate any excess or benefit from the borrower. In fact, lending on interest is one of the gravest sins that one may commit in Islam. However, it is also know... ادامه

سال:2018

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زكاة القرض الحسن : دارسة فقهية = Benevolent loan Zakat : Jurisprudence Study

کلیدواژه: Benevolent loan ؛ Jurisprudence ؛ Zakat ؛ الزكاة ؛ الفقة ؛ القرض الحسن

نویسندگان: منصور ، محمد خالد

ناشر: University of Jordan : Deanship of Academic Research

یتناول البحث موضوعاً مهماً من موضوعات الزكاة المعاصرة، وهو زكاة القرض الحسن حيث استقرأ البحث الدراسات السابقة المتعلقة بزكاة الديون عموماً، والقرض الحسن بشكل خاص، ثم ارتجاع البحث المصطها. ات الفقهیة لزکاة القرض الحسن، سواء أکان المقترض مليئاً موسراً ، أم کان مدیناً معسراً. وقد حاول البحث أن یسقط أحك... ادامه

سال:1438

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A Hybrid Model for Appraising and Forecasting loan Repayments (Case Study: Karafarini Omid Fund)

کلیدواژه: Clustering,Ranking,Forecasting Credit Status of Loan Applicants,Karafarini Omid Fund,ROBPCA Principal Component Analysis,K-means Algorithm

نویسندگان: Asghari Farzad, AHMADI FARID

ناشر: پژوهشنامه اقتصادی - Journal of Economic Research

The aim of this paper is to present a hybrid model to evaluate performance of loan portfolio of banking system regarding loan repayment status and to forecast credit status of loan applicants. At first stage, we have taken credit granting management approach in order to cluster and rank 100, 224 loa... ادامه

سال:2019

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A New Perspective of Benevolent loan, QARD Al-Hassan, Using Upfront Payment ‘Mesbah Point’

کلیدواژه: benevolent loan ؛ Islamic finance ؛ mesbah finance ؛ Microfinance ؛ Qard al-hasan

نویسندگان: A. Izadyar ؛ Feroza Ragnath

ناشر: Journal of Economic & Financial Studies

Bound by religious or moral beliefs of the participants, benevolent loan, Qard al-hasan, is an interest free loan in which only the return of the capital is required during the term of the loan. Lack of institutional investor participation, as well as high administrative fees, are some of the major ... ادامه

سال:2014

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The effectiveness of Qard-al-Hasan (interest free loan) as a tool of monetary policy

کلیدواژه: Islamic banks ؛ Qard al-hasan

نویسندگان: Selim, Mohammad

ناشر: IMEFM (International Journal of Islamic and Middle Eastern Finance and Management)

This paper aims to investigate the macroeconomic effects of Qard-al-Hasan (QH) as a tool of monetary policy (MP) and its effectiveness in achieving full employment and price stability in the economy. Design/methodology/approach – QH-based MP and its effects on major macroeconomic variables are exami... ادامه

سال:2019

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