СРАВНИТЕЛЬНЫЕ МОДЕЛИ И МЕТОДОЛОГИИ ВНЕДРЕНИЯ ИСЛАМСКОГО ФИНАНСИРОВАНИЯ В НЕИСЛАМСКИХ ЭКОНОМИКАХ: СИСТЕМАТИЧЕСКИЙ АНАЛИЗ МИРОВОЙ ПРАКТИК
DOI:
https://doi.org/10.60078/2992-877X-2025-vol3-iss5-pp14-26Аннотация
Данное исследование изучает возможности эффективного внедрения исламских финансов в неисламских экономиках, с акцентом на правовую и экономическую среду Узбекистана. Анализируя мировые модели — такие как дуальное банковское обслуживание, гибридные системы, регуляторные песочницы и институциональные подходы — а также используя кейсы из Великобритании, Малайзии, Бахрейна, Сингапура и Нигерии, исследование показывает, как различные юрисдикции адаптировали шариатское финансирование. Используя качественную методологию, подчеркивается необходимость регуляторных инноваций и соответствия исламским принципам. Исследование предлагает рекомендации по политике в поддержку инклюзивного, этичного и устойчивого финансового развития, позиционируя исламские финансы как стратегический инструмент диверсификации экономики Узбекистана.
Ключевые слова:
исламские финансы регулирование модель песочницы финансовая инклюзия Узбекистан светские экономикиБиблиографические ссылки
Abdullah, A., and Saiti, B. (2016). A Re-examination of musharakah bonds and waqf development: The Case of Singapore. Intellectual Discourse, 24.
Abdullah, D. V., and Chee, K. (2013). Islamic Finance: Why It Makes Sense (For You)—Understanding its Principles and Practices. . Marshall Cavendish International Asia Pte Ltd.
Ahmad, A., awan, R., and Malik, M. (2011). An overview of the Operations/products offered by Islamic banks in Pakistan. African Journal of Business management, 5(11), 4185.
Ahmed, S., and Sukdaven, M. (2021). Application of themes from Al-Mawwaq's work in reforming the Deoband curriculum in Islamic education in the South African Darul Ulooms. Theological Studies, 77(4).
Ajouz, M., and Abuamria, F. (2023). Unveiling the potential of the Islamic fintech ecosystem in emerging markets. Al Qasimia University Journal of Islamic Economics, 3(1), 115-148.
Alduaij, D. (2020). Ensuring Shariah compliance in Islamic financial institutions as an essential interest of shareholders (Doctoral dissertation, Cardiff University). Cardiff: Cardiff University.
Alhejaili, M. (2025). Harmonising derivatives with Shari’ah: ethical practices and regulatory insights. . International Journal of Islamic and Middle Eastern Finance and Management.
Ali, R. (2011). An Overview of the Sukuk market. In Sukuk and Islamic Capital Markets:A Practical Guide (pp. 7-20).
Alkhan, A. M. (2020). Analysing Product Utilization by Islamic Retail Banks: The Case of Bahrain Islamic Baank and Kuwait Finance House-Bahrain. Asian Economic and Financial Review, 10(4), 415-426.
Arab, S., Zakariyah, H., and Abdullatif, A. (2021). Contemporary Developments in Waqf Beneficiaries- A Case Study of the Awqaf of the United Arab Emirates. In In International Business and Technology (pp. 97-119). Springer International Publishing.
Arshed, N., Yasmin, S., and Gulzar, M. (2020). Islamic financing portfolio and its comparative growth potential. Islamic banking and finance review, 7, 60-91.
De Castro, K. (2022). The Future of Islamic Banking in the Phillipines:Finding a niche. 10(3).
de Rosmorduc, E., and Stainier, F. (2013). Luxembourg: a leading domicile for Shari'ah compliant investments. In Islamic Finance in Europe (pp. 179-191). Edward Elgar Publishing.
Duqi, A., and Al-Tamimi. (2019). Factors affecting investors decision regarding investment in Islamic Sukuk. Qualitative Research in Financial Markets, 6-72.
Efunniyi, C. P., Obiki-Osafiele, A. N., Osundare, O. S., Agu, E. E., and Adeniran, I. A. (2024). Strengthening corporate governance and financial compliance: Enhancing accountability and transparency. . Finance and Accounting Research Journal, 1597-1616.
Farrar, S. (2011). Accomodating Islamic banking and finance in Australia. The University of Sydney Law School, 34(1), 413.
FitchRatings. (2023). Nigerian Islamic Finance Industry to Continue Growth on Policy Push. London: FitchRatings.
Furqani, H., Laldin, M., and Mulyany, R. (2016). Good Finance: Integration of Ethics and Shariah in Islamic Finance. International Journal of Islamic Business Ethics, 1(2), 121-130.
Graham, J. (2014). Canada: A Promising Emerging Market for Islamic Finance. In The Islamic Finance Handbook (pp. 77-92). Wiley Online Handbook.
Gungoren, M. (2014). The Development of the Islamic Financial System in Turkey Strategies Applications. In Managerial Issues in Finance and Banking: A Strategic Approach to Competitiveness (pp. 225-236). Springer Nature.
Hajjar, M. (2019). Status of Islamic Finance in France in 2019. In Islamic Finance in Europe: A Cross Analysis of 10 European Countries (pp. 109-148). Springer Nature.
Hermala, I., Sunitiyoso, Y., and Sudrajad, O. Y. (2025). Green Financing Using Islamic Finance Intruments in Indonesia: A Bibliometrics and Literature Review. International Journal of Energy Economics and Policy, 15(1), 239-248.
Hotiana, S. (2007). A comparative analysis of Islamic home mortgage models in US and Canada: a case for improvement of the Canadian model. Unversity of Toronto.
Ibrahim, A. F. (2015). Pragmatism in Islamic law: a social and intellectual history. Syracuse University Press.
Khokhar, I., and Sillah, B. (2014). Consumer perceptions of Islamic banks: the case of Saudi Arabia. Journal of Islamic Banking and Finance, 31(4), 70-81.
Kibibi, D. M. (2011). Strategies adopted by Islamic banks to attract non-Muslim customers(Doctoral dissertation). Nairobi: University of Nairobi.
Komijani, A., and Taghizadeh-Hesary, F. (2018). An Overview of Islamic banking and finance in Asia. In Routledge Handbook of Banking and Finance in Asia (pp. 505-518). Routledge.
Kunhibava, S., Muneeza, A., Khalid, M. B., Mustapha, Z., and Sen, T. M. (2024). Sadaqah, Zakat and Qard Hassan: Legal Framework. In Islamic Social Finance: Law and Practice in Malaysia . Singapore: Springer Nature Singapore, 23-43.
Lamıdo, A. A. (2016). Maqasid al-Shari’ah as a framework for economic development theorization. International Journal of Islamic Economics and Finance Studies, 2(1), 27-49.
Lydon, G. (2005). Slavery,exchange and Islamic law:a glimpse from the archives of Mali and Mauritania. African Economic History, 33, 117-148.
Manzil. (2025). Manzil. Retrieved from Manzil: https://manzil.ca/
Mauro, F. d., Caristi, P., Couderc, S., Maria, A. D., Ho, L., Grewal, B. K., . . . Zaher, S. (2013). Islamic Finance in Europe. Frankfurt: European Central Bank.
Mia, Z. M. (2019). Islamic finance: a critical analysis of South African taxation legislation addressing Shariah compliant transactions. (Doctoral dissertation, North-West University). Gauteng: North-West University.
Mirakhor, A., and Krichene, N. (2009). The recent crisis: lessons for Islamic finance. IFSB 2nd Public Lecture on Financial Policy and Stability.
Moghul, U. F., and Safar-Aly, S. H. (2014). Green sukuk: The introduction of Islam's environmental ethics to contemporary Islamic finance. Georgetown International Environmental Law Review, 27, 1.
Mohd Haridan, N., Sheikh Hassan, A. F., Mohammed Shah, S., and Mustafa, H. (2023). Financial innovation in Islamic banks: evidence on the interaction between Shariah board and FinTech. Journal of Islamic Accounting and Business Research, 14(6), 911-930.
Moustapha, L., and Nadir, T. (2023). The Impact Of Islamic Financing Products on Islamic Banks Profitability:Case of Al Rayan Bank(Qatar). The Journa of Muamalat and Islamic Finance Research, 87-98.
Muhammad, A. (2014). South Africa: Minority Muslim Markets Making Major Moves. In The Islamic Finance Handbook (pp. 443-460). Wiley Online Library.
Nili, F. (2014). Iran:Islamic Banking and Finance. In The Islamic Finance Handbook (pp. 175-212). Wiley Online Library.
Omran, M. (2009). Examining the effects of Islamic beliefs on the valuation of financial institutions in the United Arab Emirates. Review of Middle East Economics and Finance, 5(1), 72-79.
Rafay, A., Sadiq, R., and Ajmal, M. (2017). Uniform Framework for Sukuk al-Ijara- a proposed model for all madhahib. Journal of Islamic Accounting and Business Ethics, 8(4), 420-454.
Rengasamy, D. (2020). Bank Performance in the perception of Islamic financing receivables. International Journal of Advance Research and Innovative Ideas in Education.
Setiawan, I. (2013). The Significance of Corporate Social Responbility in Sustainable Development: An Analysis from an Islamic Law Perspective. Journal of Law and Sustainable Development, 11(9), 1-23.
Shahid Ebrahim, M., and Kai Joo, T. (2001). Islamic Banking in Brunei Darussalam. International Journal of Social Economics, 28(4), 314-337.
Shestak, V., and Tsyplakova, A. (2024). Judge requirements and ethical issues in the Cooperation Council for the United Arab Emirates. Bulletin St.Petersberg University Law, 15(2), pp. 493-507.
Shinkafi, A., and Ali, N. (2018). Islamic Financing Products and Instruments: A Thematic Review. Online Journal of Research in Islamic Studies, 5(2), 35-60.
Solomon, H., Tausch, A., Solomon, H., and Tausch, A. (2020). Towards an Islamic Restoration. In Islamism,Crisis and Democratization:Implications of the World Values Survey for the Muslim World (pp. 165-186).
Tawari, I. (2014). Kuwait: Progress and Outlook. In The Islamic Finance Handbook (pp. 261-286). Wiley Online Library.
Thomas, A. (2010). Methods of Islamic home finance in the United States. The American Journal of Islamic Finance, 1-14.
Venardos, A. (2012). Islamic Banking and Finance in South-East Asia: Its development and future. World Scientific.
Wong, M., and Bhatti, W. (2019). Developing International sukuk in east asia:Implications from Hong Kong sukuk. The Journal of Asian Finance,Economics and Business, 6(4), 9-17.
Загрузки
Опубликован
Как цитировать
Выпуск
Раздел
Лицензия
Это произведение доступно по лицензии Creative Commons «Attribution» («Атрибуция») 4.0 Всемирная.
