Idea of Collateral and Guarantor in Islamic Bank Financing
作者: Idris Yahaya Adamu
作者单位: 1Federal University Kashere, Gombe Nigeria
刊名: SEISENSE Journal of Management, 2018, Vol.1 (5), pp.49-57
DOI: 10.5281/zenodo.1474664
关键词: CollateralGuarantorIslamic FinanceShariah
原始语种摘要: This study explores the idea of Islamic banks requesting for collateral or guarantee when financing, the rationale for requesting loan security, and its acceptability from Islamic perspectives. The study reviewed the previous literature and Islamic injunctions to study and justify the use of collateral and guarantor to hedge the risk of financing default. It is found that Islamic banks like conventional banking system encourage requesting loan security to ensure borrowers’ commitment and protect investors’ wealth. Despite its effect on loan rejection, secured loans are found to be recovered more easily than unsecured loans. Government and Islamic banks are therefore advised to device mean for helping small-scale businesses to access financing, through credit guarantee schemes and...
全文获取路径: SEISENSE 

  • financing 供给资金
  • secured 固定
  • security 可靠性
  • wealth 财产
  • banking 筑堤
  • loans 贷款
  • credit 信用
  • banks 管束
  • collateral 侧枝的
  • hedge 绿篱