1. Islamic banks

2. Submitted by We knew already that commercial banks rely on attracting deposits and funds to run a predefined interest, deposits for the Bank is the Bank loans and interest paid to depositors and then lending the money back with interest. We knew already that commercial banks rely on attracting deposits and funds to run a predefined interest, deposits for the Bank is the Bank loans and interest paid to depositors and then lending the money back with interest. We now know that this interest is RIBA is forbidden in the Qur'aan and Sunnah, and since the mid-1970s established Islamic banks do not deal in interest by taking or giving these banks have proliferated in different States but non- Islamic and Arabic also. We now know that this interest is RIBA is forbidden in the Qur'aan and Sunnah, and since the mid-1970s established Islamic banks do not deal in interest by taking or giving these banks have proliferated in different States but non- Islamic and Arabic also. And we will try to identify the nature of the work of these banks through the study of their sources and uses of funds, in addition to other activities. And we will try to identify the nature of the work of these banks through the study of their sources and uses of funds, in addition to other activities.

3. Sources of funds in Islamic banks Divided into sources of funds in Islamic banks to exporters: Divided into sources of funds in Islamic banks to exporters: Self: sources and include all of the amdvoa capital and reserves and undistributed profits, and all the property rights of shareholders of the Bank. Self: sources and include all of the amdvoa capital and reserves and undistributed profits, and all the property rights of shareholders of the Bank. External sources: includes all types of deposits, which are: External sources: includes all types of deposits, which are: Deposits (demand) (current accounts): the amounts established by the Bank and its owner is entitled to a full withdrawal at any time either by cash, or cheque or other drawing or modern conversion of ATMs or using the Internet or phone banking and Islamic banks do not pay any dividend for such deposit, depositors Deposits (demand) (current accounts): the amounts established by the Bank and its owner is entitled to a full withdrawal at any time either by cash, or cheque or other drawing or modern conversion of ATMs or using the Internet or phone banking and Islamic banks do not pay any dividend for such deposit, depositors

4. This deposit does not assume any risk investment and its value is guaranteed by the Bank, any increase is usury. This deposit does not assume any risk investment and its value is guaranteed by the Bank, any increase is usury. Investment accounts: where the client an amount deposited in the Bank and authorize the Bank to invest this amount in any of the projects sponsored by the Bank, and the Bank shall invest all the money obtained in this way in a single portfolio as mudaraba contract which the parties agree to submit one money and their clients to other offers in total effort, work, and is the Bank and the profit is divided by the parties by agreement, The loss is borne by the party who gave money or Lord of the money on the basis that each party be loss of the genus and thus the worker (in this case) lose effort and time only and is not fair to assume the material loss. Investment accounts: where the client an amount deposited in the Bank and authorize the Bank to invest this amount in any of the projects sponsored by the Bank, and the Bank shall invest all the money obtained in this way in a single portfolio as mudaraba contract which the parties agree to submit one money and their clients to other offers in total effort, work, and is the Bank and the profit is divided by the parties by agreement, The loss is borne by the party who gave money or Lord of the money on the basis that each party be loss of the genus and thus the worker (in this case) lose effort and time only and is not fair to assume the material loss.

5. And Islamic banks offer investment accounts types differ by as her supply and withdrawal from them, for example: accounts for, or under advice, or provide. And Islamic banks offer investment accounts types differ by as her supply and withdrawal from them, for example: accounts for, or under advice, or provide. Investment accounts: where the applicant is allocated areas or projects for investment and his deposit, and the deposit return depending on the results of investment in that area or project only, and governs the relationship between the parties as mentioned above in the mudaraba contract accounts for joint investment, the return is assessed as losses are borne of the applicant only. Investment accounts: where the applicant is allocated areas or projects for investment and his deposit, and the deposit return depending on the results of investment in that area or project only, and governs the relationship between the parties as mentioned above in the mudaraba contract accounts for joint investment, the return is assessed as losses are borne of the applicant only.

6. Investment funds in the Bank Islam : Islamic banks invest their funds in several ways including: Islamic banks invest their funds in several ways including: Provide funding using Islamic modes of finance including: Provide funding using Islamic modes of finance including: Participation: Project Finance Bank where their respective share capital, the project is managed by the client are often, as the parties can participate in management. And these can be involved in a long-term project or business deal one, or multiple transactions. Participation: Project Finance Bank where their respective share capital, the project is managed by the client are often, as the parties can participate in management. And these can be involved in a long-term project or business deal one, or multiple transactions. Declining participation ended in ownership: a kind of partnership enters the Bank as a funder, and agreed that the customer shall pay a fixed number of periodic payments, the Bank waived the premiums gradually its share of ownership of the project or the property, until the project is fully client-owned at the end of the Decade. Declining participation ended in ownership: a kind of partnership enters the Bank as a funder, and agreed that the customer shall pay a fixed number of periodic payments, the Bank waived the premiums gradually its share of ownership of the project or the property, until the project is fully client-owned at the end of the Decade.

7. Speculation: is a kind of participation in which the Bank offers the customer capital funding and student work and earnings are shared by agreement, either profit or loss incurred by the Bank only because he is the Lord of money here. And can the Bank offers financing on the basis of individual or speculating on the basis of speculation ended with ownership and similar participation ended lease mentioned above. Speculation: is a kind of participation in which the Bank offers the customer capital funding and student work and earnings are shared by agreement, either profit or loss incurred by the Bank only because he is the Lord of money here. And can the Bank offers financing on the basis of individual or speculating on the basis of speculation ended with ownership and similar participation ended lease mentioned above. The sale of the winner's purchase: the types of sales. And where the client requests from the Bank to buy him a certain specification, based on the count and buy that commodity murabaha any bank profit agreed so that the cost of the product are known to the parties. And the customer pays the price of a product in installments according to abilities and by agreement The sale of the winner's purchase: the types of sales. And where the client requests from the Bank to buy him a certain specification, based on the count and buy that commodity murabaha any bank profit agreed so that the cost of the product are known to the parties. And the customer pays the price of a product in installments according to abilities and by agreement

8. Murabaha contract steps Note that steps a murabaha to buy follow the following order: Note that steps a murabaha to buy follow the following order: The order by the client: the client determines the product specifications, terms and place of delivery.... Etc. The order by the client: the client determines the product specifications, terms and place of delivery.... Etc. The contract of promise to buy: in the case of the Bank's approval on the purchase of goods is a contract whereby the client is the Bank that buys goods from it be owned by him and in his possession. The contract of promise to buy: in the case of the Bank's approval on the purchase of goods is a contract whereby the client is the Bank that buys goods from it be owned by him and in his possession. Bank buys an item held in Queens. Bank buys an item held in Queens.

9. 4. the Bank sells the goods to the customer under the murabaha, and here the client can pay the value of the commodity in cash and is not likely to be an important role for the Bank here. The client can agree with the World Bank to pay in instalments is commonly defined, in this case the Bank is entitled to request the client reservation guarantees him the right to refund of premiums, where the value of the product become our client owed once the purchase. 4. the Bank sells the goods to the customer under the murabaha, and here the client can pay the value of the commodity in cash and is not likely to be an important role for the Bank here. The client can agree with the World Bank to pay in instalments is commonly defined, in this case the Bank is entitled to request the client reservation guarantees him the right to refund of premiums, where the value of the product become our client owed once the purchase. And noted that the Bank could not register any interest on overdue premiums because such an increase is usury. And noted that the Bank could not register any interest on overdue premiums because such an increase is usury.

10. Renting to own: the Islamic Bank means rent out can be used with any sample without Livni use (durable goods) to someone a certain fee may increase the fare, with the agreement that at the end of the term and lease payments paid in full ownership of the asset to the lessee in the process of selling a symbolic price or without charge (donation). Renting to own: the Islamic Bank means rent out can be used with any sample without Livni use (durable goods) to someone a certain fee may increase the fare, with the agreement that at the end of the term and lease payments paid in full ownership of the asset to the lessee in the process of selling a symbolic price or without charge (donation). B) direct investments: B) direct investments: And an investment bank for part of its funds to establish economic projects, either individually or with other partners, to participate in their administration depending on the value of its contribution. And an investment bank for part of its funds to establish economic projects, either individually or with other partners, to participate in their administration depending on the value of its contribution.

11. C) investment in securities: C) investment in securities: And the securities shall be legitimate securities such as stocks of companies that are not inconsistent with the provisions of the Islamic Shariah activity. And the securities shall be legitimate securities such as stocks of companies that are not inconsistent with the provisions of the Islamic Shariah activity. There are also some securities developed by Islamic financial institutions as muqarada. As securities that carry an interest rate of a loan as debt securities and preferred shares, the Bank may not cope. And equity for companies investigating their earnings from work in its origin, also may be dealing with. There are also some securities developed by Islamic financial institutions as muqarada. As securities that carry an interest rate of a loan as debt securities and preferred shares, the Bank may not cope. And equity for companies investigating their earnings from work in its origin, also may be dealing with.

12. Activities and other banking services Islamic banks provide a range of other services to its customers, provided that these do not conflict with the Shariah, and from these services: Islamic banks provide a range of other services to its customers, provided that these do not conflict with the Shariah, and from these services: The collection of commercial paper: commercial paper as client (a cheque or Bill of Exchange or promissory note) for the Bank for collection, and the Bank can take specific remuneration for his work in the collection of commercial paper, commercial paper, discount is inadmissible, and does not deal with the Islamic Bank The collection of commercial paper: commercial paper as client (a cheque or Bill of Exchange or promissory note) for the Bank for collection, and the Bank can take specific remuneration for his work in the collection of commercial paper, commercial paper, discount is inadmissible, and does not deal with the Islamic Bank Cash remittance: transferring money or account balances from one account to another, or from Bank to another bank, or from one country to another country. G is a prize paid or without it. Cash remittance: transferring money or account balances from one account to another, or from Bank to another bank, or from one country to another country. G is a prize paid or without it.

13. 3. documentary credits: the Bank's guarantee to clients for exporters importers abroad where to pay for imported goods when shipped according to agreed specifications. And opening Islamic banks credit, either on the basis of participation in the imported goods or the murabaha to buy, where to buy exchange goods and then sell them for profit. If the client has pledged to pay the value of the goods imported in cash, the Bank can provide this service for a fee. 3. documentary credits: the Bank's guarantee to clients for exporters importers abroad where to pay for imported goods when shipped according to agreed specifications. And opening Islamic banks credit, either on the basis of participation in the imported goods or the murabaha to buy, where to buy exchange goods and then sell them for profit. If the client has pledged to pay the value of the goods imported in cash, the Bank can provide this service for a fee. 4. Exchange: sell some of money, any exchange one currency for another and is legal provided that Exchange (kind) between the parties on the Board and not be postponed one of the allowances. 4. Exchange: sell some of money, any exchange one currency for another and is legal provided that Exchange (kind) between the parties on the Board and not be postponed one of the allowances.