البيع بالتقسيط دراسة شرعية قانونية عقد بنك السلام انموذجا

Abstract

The istallment sale contract has a major role in financial transactions nowdays ,and its importance increase if it is associated with Islamic bank which means ,it is of interest to researcheres .they held on it to their seminars and conferneces .Also ,they dealt with research and studies .And now ,it ‘s stilling a subject of wide discusion among a specailist and veriouse dealers. The sale of installment is faced some problems and doubts ,as it is applied by Islamic bank .With great role that it has,it penetrate into the field on financial transactions and and it attempts to clarify and remove what is possible of these problems .I spotlight on this topic which is ;selling by installement as conducted by Al Salam Bank-a legal legal study . I start my dissertation with the first chapter that , i tackled the diffinition of Insallement sale in Sharia Law and i showed its relationship with others sales dealing with provision and controls of installement sale in Sharia and Law focusing on the issue of increase in the price for the term ,as it is an issential point in the sale by installments,dependent on Mothers Books on the basis of that .Iconcluded this chapter by comparing Sharia and Law Moving the second chapter contains Al Salam Bank (diffinition),then i loocked at the development of the Islamic Bank as a previouse study and up to the form they are ,dealing with financing formulas that Al Salam Bank relise on ,and showed the installent sale system as conducted by Al Salam Bank. At the end ,the third chapter is devoted to evaluating the installemt sale system in Salam Bank ,focusing on the problems related to the conditions in the both « agreement and contract » as seriousness guarntee margin, commitment to donation ,solutions to the remaining installment upon delay ,insurance ,the condition of innoncence from defects,mortage of amounts and Payment Debt in different currency and clearing ,the necessity to open a current account ,and transfer the commodity to the Warehose My conclusion was to show the most inportance finding and recommendations which i think should be followed.