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Ushbu maqolada ipoteka kreditining zarurati, uning ishlash mexanizmlari va islom moliya muassasalari tomonidan taklif etilayotgan islomiy ipotekaning o‘ziga xos jihatlari o‘rganib chiqildi. Shuningdek, turli mamlakatlarda uy-joyni moliyalashtirishda foydalanilayotgan islom moliyasi instrumentlari va ularning afzalliklari tahlil qilinib, islomiy ipoteka va an’anaviy banklar taklif qilayotgan ipotekaning qiyosiy tahlili ham amalga oshirilgan.

  • Read count 31
  • Date of publication 29-09-2023
  • Main LanguageO'zbek
  • Pages25-29
Ўзбек

Ushbu maqolada ipoteka kreditining zarurati, uning ishlash mexanizmlari va islom moliya muassasalari tomonidan taklif etilayotgan islomiy ipotekaning o‘ziga xos jihatlari o‘rganib chiqildi. Shuningdek, turli mamlakatlarda uy-joyni moliyalashtirishda foydalanilayotgan islom moliyasi instrumentlari va ularning afzalliklari tahlil qilinib, islomiy ipoteka va an’anaviy banklar taklif qilayotgan ipotekaning qiyosiy tahlili ham amalga oshirilgan.

Русский

В данной статье изучена потребность в ипотечном кредите, механизмы его работы, а также особенности исламской ипотеки, предлагаемой исламскими финансовыми институтами. Также были проанализированы исламские финансовые инструменты, используемые при финансировании жилья в разных странах и их преимущества, а также проведен сравнительный анализ исламской ипотеки и ипотеки, предлагаемой традиционными банками

English

. In this article, the need for a mortgage loan, its working mechanisms, and specific aspects of the Islamic mortgage offered by Islamic financial institutions were studied. Also, the Islamic financial instruments used in housing financing in different countries and their advantages were analyzed, and a comparative analysis of the Islamic mortgage and the mortgage offered by traditional banks was also carried out.

№ Author name position Name of organisation
1 Berdaliyeva M.Z. -- O‘zbekiston xalqaro islom akademiyasi
№ Name of reference
1 Asadov, A. and others, (2018). “Musharakah Mutanaqisah home financing: issues in practice”, Journal of Islamic Accounting and Business Research, Vol. 9 No. 1, pp. 91-103. https://doi.org/10.1108/JIABR-08-2015-0036
2 Campbell, J. Y., Cocco, J. F., (2003). Household risk management and optimal mortgage choice. Quarterly Journal of Economics 118, 1449–94
3 Hanif, M. and Hijazi, S.T. (2010), “Islamic House financing A Critical Analysis and Comparison with Conventional Mortgage”, Middle Eastern Finance and Economics, Issue 6, pp. 99-107.
4 Khan, F. (2010), “How ‘Islamic’ is Islamic Banking”, Journal of Economic Behavior & Organization, Vol. 76 No.3, pp. 805-20.
5 Robin Matthews and others, (2003). Recent Developments in the Market for Islamic Mortgages: Theory and Practice, p 60.
6 Scanlon, K., Whitehead, C., (2004). International trends in housing tenure and mortgage finance. Special report for the Council of Mortgage Lenders, London School of Economics. p 4
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