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Tekijä: | Haji Ghazali, A. bin |
Otsikko: | Consumer credit from the Islamic viewpoint |
Lehti: | Journal of Consumer Policy
1994 : DEC, VOL. 17:4, p. 443-457 |
Asiasana: | ISLAM CONSUMER CREDIT MALAYSIA |
Kieli: | eng |
Tiivistelmä: | In this paper, the author describes - against the background of the general principles of trade in Islam, which are based on the value patterns deeply ingrained in the Islamic faith - the rules regulating consumer credit and debt financing in an Islamic economy. In the exposition of the Islamic viewpoint on these issues, guidelines adopted by Malaysian economists and financial institutions are used as a basis. The author explains which forms of trade and credit are regarded as usurious in nature and hence prohibited. Charging interest on loans is not permissible, but there are several forms of deferred contracts of exchange which can be used in order to enable consumers to make purchases on credit. |
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