مجلة الإدارة والتنمية للبحوث والدراسات
Volume 12, Numéro 1, Pages 723-742
2023-06-01
Ijara Muntahia Bittamleek “leasing” As A New Financing Tool To Support & Develop Small Enterprises In Algeria: Evidence From Al Salam Bank (2008-2018)
Authors : Menacer Abdesslam . Belkacem Omar .
Abstract
This study dealt with the role of the "Ownership Lease" as a new financing instrument in Islamic banks for the support and development of micro-enterprises, as it is a legitimate alternative with rules and conditions that are in line with the provisions of the Islamic Shariah. In confirmation of the role of this formula in supporting and developing small enterprises, the study reached a set of results, the most important of which are: This formula contributes to the wheel of economic development by providing full funding for small or large productive enterprises by 100%, thus contributing to their increase in number, which creates competition among these institutions in a way that helps improve the quality of the product, opens the door for its export abroad, reduces the import bill, creates new jobs and thus reduces unemployment.
Keywords
Business-ended ownership ; small businesses ; Islamic finance ; Islamic banks
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