Islom darchasi – an’anaviy banklar ostida islom moliyasi tamoyillari asosida faoliyat yurituvchi bankning alohida filiali, bo’limi yoki sho’ba firmasi hisoblanadi. Islom darchasi asosan islom banki faoliyati uchun huquqiy baza bo’lmagan sharoitda, ma’lum qonunlar doirasida biron bir tijorat bankiga bo’ysungan holda faoliyat yuritadi. Biz bu tadqiqotda 25 ga yaqin islom darchalariga doir yozilgan maqolalarni tahlil qildik. Tahlillarda asosan islom banki, islom darchasi va an’anaviy bank o’rtassidagi statistik tahlillar, ularning yutuqlari, kamchiliklari va xizmat ko’rsatish sifati to’g’risida ilmiy izlanish olib bordik va kerakli takliflarni berdik.
Islom darchasi – an’anaviy banklar ostida islom moliyasi tamoyillari asosida faoliyat yurituvchi bankning alohida filiali, bo’limi yoki sho’ba firmasi hisoblanadi. Islom darchasi asosan islom banki faoliyati uchun huquqiy baza bo’lmagan sharoitda, ma’lum qonunlar doirasida biron bir tijorat bankiga bo’ysungan holda faoliyat yuritadi. Biz bu tadqiqotda 25 ga yaqin islom darchalariga doir yozilgan maqolalarni tahlil qildik. Tahlillarda asosan islom banki, islom darchasi va an’anaviy bank o’rtassidagi statistik tahlillar, ularning yutuqlari, kamchiliklari va xizmat ko’rsatish sifati to’g’risida ilmiy izlanish olib bordik va kerakli takliflarni berdik.
Исламское окно – это отдельный филиал, отдел или дочерняя компания банка, работающая по принципам исламского финансирования в рамках традиционных банков. Исламский филиал преимущественно действует в условиях, когда нет правовой основы для деятельности исламского банка, подчинённого любому коммерческому банку в рамках определённых законов. В этом исследовании мы проанализировали около 25 статей об исламских окнах. В ходе анализа мы в основном провели научное исследование по статистическому анализу между исламским банком, исламским окном и традиционным банком, их достижениями, недостатками и качеством обслуживания и дали необходимые предложения
An Islamic window is a separate branch, department or subsidiary of a bank operating under the principles of Islamic finance under traditional banks. The Islamic branch mainly operates in conditions where there is no legal basis for the activity of an Islamic bank, subject to any commercial bank within the framework of certain laws. We have analyzed about 25 articles on Islamic windows in this study. In the analysis, we mainly conducted a scientific research on the statistical analysis between the Islamic bank, the Islamic window and the traditional bank, their achievements, shortcomings and the quality of service and gave the necessary suggestions.
| № | Author name | position | Name of organisation |
|---|---|---|---|
| 1 | Jiyanov O.. | -- | O’zbekiston xalqaro islom akademiyasi |
| 2 | Sirojiddinov S.. | -- | O’zbekiston xalqaro islom akademiyasi |
| № | Name of reference |
|---|---|
| 1 | Ali Joma Khafafa, Zurina Shafii, (2013) Customer Satisfaction and Islamic Bankchilik Awareness in the Islamic Bankchilik Window System in Libya, Middle-East Journal of Scientific Research 13 (Research in Contemporary Islamic Finance and Wealth Management): 12-17, ISSN 1990-9233. |
| 2 | Arief Ichwanul Hasan, Tastaftiyan Risfandy, (2021) Islamic Banks’Stability: Full-Fledged vs Islamic Windows, Journal of Accounting and Investment Vol. 22 No. 1, January. |
| 3 | Azeem Sardar, Muhammad Masood Azeem, Sarfraz Hassanand Khuda Bakhsh, (2013) COMPARISON OF EFFICIENCY BETWEEN PURE ISLAMIC BANKS AND ISLAMIC BANK WINDOWS AND ROLE OF ISLAMIC BANKCHILIK IN AGRICULTURE SECTOR, Pakistan Journal of Agricultural Research, March 2013. |
| 4 | Azeem Sardar, Muhammad Masood Azeem, Sarfraz Hassanand Khuda Bakhsh, (2013) COMPARISON OF EFFICIENCY BETWEEN PURE ISLAMIC BANKS AND ISLAMIC BANK WINDOWS AND ROLE OF ISLAMIC BANKCHILIK IN AGRICULTURE SECTOR, Pakistan Journal of Agricultural Research, March 2013. |
| 5 | Chenguel Mohamed Bechir, (2019) Jouirou meriem, Installing Islamic bankchilik windows, In conventional bank: effects, performance, International Journal of Financial EngineeringVol. 06, No. 04, 1950033. |
| 6 | Dilmurod Yusupaliyevich Khujamkulov, Ruhiddin Khusniddin Ogli Zayniddinov, Dilmurod Rakhmatullayevich Ergashev, Mamajon Akhmatjonovich Mamatov, Khusniddin Fakhriddinovich Uktamov, (2021) Improving the Use of Islamic Bankchilik Services in Financing Investment Projects in Uzbekistan, REVISTA GEINTAC. ISSN: 2237-0722 Vol. 11 No. 2. |
| 7 | Shamsalden Dr., Aziz Salh, (2019) Islamic Windows of the Conventional Banks: Challenges and Solutions, 4th International Legal Issues Conference-ILIC2019 ISBN (978-9922-9036-2-0). |
| 8 | Danchenko E.A., (2013) ПЕРСПЕКТИВЫ ВНЕДРЕНИЯ «ИСЛАМСКИХ ОКОН» В БАНКОВСКУЮ СИСТЕМУ РОССИИ. |
| 9 | Maxkamov E.X., (2021) Tijorat banklarida faoliyat ko‘rsatuvchi islom darchalarining dolzarbligi, “XXI asr: fan va taʼlim masalalari” ilmiy elektron jurnali. №4, 2021 yil ISSN: 2181-9874 SJIF 2021: 6.23 |
| 10 | Farhana Afroj, (2022) Financial strength of banking sector in Bangladesh: a CAMEL framework analysis, Asian Journal of Economics and Banking, Vol. 6 No. 3, pp. 353-372. |
| 11 | FAYAZ AHMAD LONE, (2017) Customer satisfaction in full-fledged islamic banks and islamic bankchilik windows: a comparative study, Journal of Internet Bankchilik and Commerce Jan 2017, vol. 22, no. S7. |
| 12 | Hakim Ben Othman and Hounaida Mersni, (2014) The use of discretionary loan loss provisions by Islamic banks and conventional banks in the Middle East region, Studies in Economics and Finance, Vol. 31 No. 1, , pp. 106-128. |
| 13 | Hamim S. Ahmad Mokhtar, Naziruddin Abdullah, Syed M. Alhabshi, (2008) Efficiency and competition of Islamic bankchilik in Malaysia, Humanomics Vol. 24 No. 1, pp. 28-48. |
| 14 | Haydarov Oʻral Axmadovich, (2022) Respublikamiz tijorat banklarida islom moliya tizimidan foydalanishni takomillashtirish, Iqtisod va moliya / ekonomika i finansi, 2(150). |
| 15 | Kayimova Zumrad Abdullaevna (2021) –PROSPECTS FOR THE DEVELOPMENT OF ISLAMIC BANKING SERVICES MARKET IN COMMERCIAL BANKS OF UZBEKISTAN, World Economics & Finance Bulletin (WEFB), Vol. 2 August-September. |
| 16 | Muhammad Abduh and Mohd Azmi Omar, (2012) Islamic banking and economic growth: the Indonesian experience, International Journal of Islamic and Middle Eastern Finance and Management, Vol. 5 No. 1, pp. 35-47. |
| 17 | Oladipupo Luqman Salami Adewale Abideen Adeyem, (2015) Malaysian islamic banks’ efficiency: an intra-bank comparative analysis of islamic windows and full-fledged subsidiaries, International Journal of Business and Society, Vol. 16 No. 1, 19 – 38. |
| 18 | Shatha Qamhieh Hashem, Islam Abdeljawad, (2018) Islamic banks’ resilience to systemic risks: myth or reality-evidence from bangladesh, International Finance Rewiew 06 Nov; 37-68. |
| 19 | Varsha Mooneeram-Chadee, (1976) The regulation of Islamic banking and finance in Mauritius, ISRA International Journal of Islamic Finance, Emerald Publishing Limited, 0128. |
| 20 | Waqas Ali, Imran Ibrahim Alasan, Mushtaq Hussain Khan, T. Ramayah, Abdul Rahman, (2021) Strategy is all about deliberately making choices and trade-offs: analogy betweenfullyfledged islamic banks and conventional banks with islamic windows, Academy of Entrepreneurship Journal Volume 27, Special Issue 2, 2021. |
| 21 | Zayniddinov Ruhiddin Khusniddin ogli, (2021) Expanding the use of islamic bankchilik services in financing investment projects in Uzbekistan. |
| 22 | Zaynurin Dahari, Muhammad Abduh, Kim-Shan Fam, (2015) Measuring Service Quality in Islamic Bankchilik: Importance-Performance Analysis Approach, Asian Journal of Business Research ISSN 1178-8933 Issue 1 |