{"id":1943,"date":"2018-07-25T14:37:56","date_gmt":"2018-07-25T10:37:56","guid":{"rendered":"https:\/\/v2.shariapa.ae\/2018-forum-departments-sharia-of-recommendations\/"},"modified":"2022-07-25T19:27:14","modified_gmt":"2022-07-25T15:27:14","slug":"2018-forum-departments-sharia-of-recommendations","status":"publish","type":"post","link":"https:\/\/www.shariapa.com\/en\/2018-forum-departments-sharia-of-recommendations\/","title":{"rendered":"2018 Forum Departments Sharia of Recommendations"},"content":{"rendered":"

1\u202d. \u202cInvestment Weightages under Mudarabah\u202d:\u202c<\/strong><\/p>\n

a\u202d. \u202cThere is a Compelling need for Islamic banks to have a standard methodology for assigning weightages\u202d, \u202cbased on requisite parameters\u202d, \u202cinstead of leaving it to the discretion of Islamic banks\u202d.\u202c<\/p>\n

b\u202d. \u202cThe criteria for assigning weightages should be regulated by the Central Bank\u202d.\u202c<\/p>\n

c\u202d. \u202cThe weightages should be prepared after a thorough and scientific analysis\u202d. \u202cSharia Scholars must find the best practices\u202d, \u202cwithout relying solely on the currently implemented practices for weightages\u202d.\u202c<\/p>\n

2\u202d. \u202cMudarabah Expenses<\/strong><\/p>\n

a\u202d. \u202cIt is recommended to monitor and control the assignment process for costs\u202d, \u202cexpenses and reserves related to the investment pools\u202d. \u202cThe Mudarib should bear any expenses and costs\u202d, \u202cexcept for the direct expenses related to investments financed under investment pools\u202d.\u202c<\/p>\n

b\u202d. \u202cThe Sharia Boards\u202d, \u202cReference International Shari\u2019a bodies for Islamic Finance and Central Banks should agree on a list of general and circulated elements of the costs and expenses which can be charged to the Mudarabah Pool\u202d. \u202cRegulations should also be in place obliging Islamic banks to seek their respective Shari\u2019a Boards approval upon detecting other costs not included in the approved list\u202d.\u202c<\/p>\n

c\u202d. \u202cWe also need to have a critical understanding of Central Bank measures towards provisions\u202d, \u202cin order not to allow provisions to be used as means of control over Investment Account Holders\u202d (\u202cdepositors\u202d & \u202cSaving Account Holders\u202d) \u202cprofits\u202d, \u202cwithout a valid reason for taking these provisions\u202d.\u202c<\/p>\n

3\u202d. \u202cProfit Smoothening\u202d (\u202cthrough Hiba and Reserves\u202d)\u202c<\/strong><\/p>\n

a\u202d. \u202cIslamic banks should regulate the process of profit distribution to the Investment Account Holders\u202d, \u202cand this includes\u202d, \u202cwith no limitation\u202d, \u202cspecifying the portion of the Mudarib\u202d, \u202cinvestment weights\u202d, \u202creserves\u202d, \u202cgifts from shareholders\u202d (\u202cif any\u202d). \u202cThis would\u202d \u202cbe done in order to ensure that extending support\u202d (\u202ceither from the reserves or through gift from the shareholders\u202d) \u202cis specified\u202d \u202cbased on objective and logical standards to avoid diluting the Shari\u2019a essence of Mudarabah or Wakala\u202d.\u202c<\/p>\n

4\u202d. \u202cInvestment Wakala Deposit\u202d:\u202c<\/strong><\/p>\n

a\u202d. \u202cExpected profit under Investment Wakala Deposit must not be promoted as guaranteed profit\u202d.\u202c<\/p>\n

b\u202d. \u202cLiquidation must be used to identify the actual profit and incentive achieved for the bank\u202d, \u202cand payment of the anticipated profit should not take place without the aforesaid liquidation\u202d.\u202c<\/p>\n

c\u202d. \u202cProfit can be backed up by shareholders if the anticipated profit was not attained\u202d.\u202c<\/p>\n

d\u202d. \u202cIn case back up from shareholders is carried out\u202d, \u202cthen such must be observed in the financial statements and the Board of Directors report of the Islamic Financial Institution upon submission to the General Assembly\u202d.\u202c<\/p>\n

e\u202d. \u202cAvoid inter-lending the internal pools of the bank against interest\u202d, \u202cthrough what is known as Funds Transfer Pricing\u202d (\u202cFTP\u202d), \u202cwhereas this system can be applied to one pool\u202d, \u202cand must not be applied to multiple party pools\u202d.\u202c<\/p>\n

5\u202d. \u202cMalaysian Model\u202d (\u202cfor Investment Accounts\u202d)\u202c<\/strong><\/p>\n

This model is basically based on the return on assets\u202d (\u202cROA\u202d) \u202capproach\u202d, \u202cwhich prescribes the methodology of calculating the income\u202d \u202cgenerated from the balance sheet assets and other incomes\u202d. \u202cThis model is implemented on the deposits solicited on the basis of\u202d \u202cMudarabah or Musharakah and the share of profit or profit and loss between the Investment Account Holders and the Islamic bank shall be based on the agreed profit sharing ratio\u202d (\u202cPSR\u202d) \u202conly and use of weightages is not allowed for the determination of profit\u202d \u202cand its distribution between the tiers\u202d. \u202cIn addition\u202d, \u202cas per this model\u202d, \u202cIslamic banks cannot implement profit smoothening practices such as IRR and PER\u202d, \u202chiba and other commercial risk mitigation techniques in determining the final distributable profit\u202d. \u202cThe Islamic banks are required to disclose all the procedure and information with regard to the profit distribution with the accountholders and provide them with clear illustrations on the application of the PSR\u202d. \u202cAs per the model\u202d, \u202cit is allowed to offer various PSR for the Mudarabah deposits\u202d. \u202cThis includes similar PSR for all deposits\u202d, \u202ce.g\u202d. \u202call deposits are offered at 70:30\u202d \u202cPSR\u202d; \u202cdifferent PSR for respective tenure of deposits\u202d, \u202ce.g\u202d. \u202ca 3-month investment is offered at 70:30\u202d \u202cPSR while a 6-month investment is offered at 80:20\u202d \u202cPSR\u202d, \u202cor multi PSR may be agreed for each deposit\u202d, \u202ce.g\u202d. \u202ca 3-month investment may be offered at 70:30\u202d \u202cPSR and 80:20\u202d \u202cPSR simultaneously\u202d.\u202c<\/p>\n

Malaysian model seems to be closer to the classical Mudarabah and can be practiced by other Islamic banks in the long term\u202d. \u202cAlthough\u202d, \u202cin the absence of proper regulation\u202d, \u202cit is difficult for the Islamic banks to implement this method\u202d, \u202cbut the respective Shari\u2019a Boards\u202d, \u202cReference International Shari\u2019a bodies for Islamic Finance and Central Banks may encourage Islamic banks to follow the same and pave the way for them to get benefit of this experience\u202d.\u202c<\/p>\n

To read more please download the pdf\u2019s from below link<\/strong><\/p>\n

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<\/i>DOWNLOAD 2018 FORUM DEPARTMENTS SHARIA OF RECOMMENDATIONS PDF REPRORT<\/strong><\/span><\/i>Download<\/strong><\/b><\/a><\/div><\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

1\u202d. \u202cInvestment Weightages under Mudarabah\u202d:\u202c a\u202d. \u202cThere is a Compelling need for Islamic banks to have a standard methodology for assigning weightages\u202d, \u202cbased on requisite parameters\u202d, \u202cinstead of … <\/i>\u0627\u0642\u0631\u0623 \u0627\u0644\u0645\u0632\u064a\u062f<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":1890,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[141],"tags":[],"class_list":["post-1943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-recommendations"],"yoast_head":"\n2018 Forum Departments Sharia of Recommendations - Sharia Professionals Association<\/title>\n<meta name=\"description\" content=\"There is a Compelling need for Islamic banks to have a standard methodology for assigning 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