Borç/Alacak Satışına (Bay’al-Dayn) Dayalı Dış Ticaret Uygulamaları ve Faizsiz Finans Prensiplerine Uyumu
Abstract
İhracatçıların pek çoğu finansman ihtiyaçları nedeniyle vadeli alacaklarını vadesinden önce tahsil etme ihtiyacı duyarlar. Bu nedenle poliçe kırdırma, fatura satışı veya akreditif iştirası gibi işlemler için bankalara, faktöring veya forfaiting şirketlerine başvururlar. Konvansiyonel kurumlar bu işlemleri faizli olarak rahatlıkla yapabildikleri halde Malezya dışındaki faizsiz finansal kurumlar bu işlemlerden uzak durmak zorundadırlar. Malezya’daki faizsiz finansal kurumlar bu tür işlemlerin tümünü borç/alacak satışı (bay’al-dayn) sözleşmesi yoluyla gerçekleştirirler. Makalemizde, borç/alacak satışı yoluyla gerçekleştirilen ihracat finansman yöntemleri detaylı olarak anlatılmış olup, alacak satışı yönteminin faizsiz finans prensiplerine uyumu araştırılarak alternatif ürün önerileri sunulmuştur.
References
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- Aydın, M.A. (1994). Deyn. TDV İslam Ansiklopedisi. Cilt: 9, s. 266-268.
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- Bayındır, S. (2005). İslam Hukuku Penceresinde Faizsiz Bankacılık. İstanbul: Rağbet Yayınları.
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- Özalp, A. (2007). Dış Ticaret’te Yeni Kurallar UCP 600’ın Kullanılması ve Akreditif. 2. b. İstanbul: Türkmen Kitabevi.
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- Razali, S. S. (2012). Revisiting the Principles of Gharar (Uncertainty) in Islamic Banking Financing Instruments with Special Reference to bay al-Inah and bay al-dayn towards a new modified model. International Journal of Financial Management, 2(1), 15.
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- Syed Alwi, S.F. (2011). An Analytical Study on Shariah And Regulatory Issues of Islamic Trade Finance in Malaysia. Unpublished Phd Thesis.International Islamic University Malaysia.
- Şafak, A. (1996). Mukayeseli Hukuk Açısından Factoring ve Komisyonculuk İşlemleri, I. Uluslararası İslam Ticaret Hukukunun Günümüzdeki Meseleleri Kongresi (s. 663-699). Konya: KOMBAD Yayınları.
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Foreign Trade Practices Based on Sale of Debt (Bay’al-Dayn) and Compliance With Interest-Free Finance Principles
Abstract
Many of the exporters need to collect their receivables before their maturity due to their financing needs. For this reason, they apply to banks, factoring or forfaiting companies for transactions such as bill of exchange break, invoice sales or letter of credit negotiation (purchasing). Although conventional institutions can easily carry out these transactions with interest, interest-free financial institutions outside of Malaysia have to stay away from these transactions. Interest-free financial institutions in Malaysia carry out all such transactions through a sale of debt (bay'al-dayn) contract. In our article, export financing methods through the sale of dent are explained in detail, and alternative product suggestions are presented by investigating the compatibility of the debt sale method with the principles of interest-free finance.
References
- Amin, H. (2007). An Analysis of the Classical and Contemporary Juristic Opinions on Bay al-Dayn. Labuan a Journal of Muamalat and Society, Vol.1, 2007, pp.29-40.
- Aydın, M.A. (1994). Deyn. TDV İslam Ansiklopedisi. Cilt: 9, s. 266-268.
- Bank Islam, (2021). Bills of Exchange Purchased-i (BEP-i). https://www.bankislam.com/ business-banking/trade-operations/bills-of-exchange-purchased-i/ [10.06.2021].
- Bayındır, S. (2005). İslam Hukuku Penceresinde Faizsiz Bankacılık. İstanbul: Rağbet Yayınları.
- Billah, M.M. (2019). Islamic Financial Products (Principles, Instruments and Structures). Palgrave Macmillan.
- Islamic Accepted Bills, (2021). https://www.youtube.com/watch?v=uP8Up0twXHw [10.06.20 21].
- İştira, (2021). https://www.akreditif.biz.tr/akreditif-terimleri.html [10.06.2021].
- FCI (2021). The Market Potential of Islamic International Factoring. http://online.fliphtml5. com/uz vev/gjgd/#p=33 [20.04.2021].
- FSTEP (2010). Islamic Banking Handbook. Institut Bank- Bank Malaysia. First Edition April 2020. http://www.iefpedia.com/english/wp-content/uploads/2010/11/Islamic-BankingHand book-FINANCIAL-SECTOR-TALENT-ENRICHMENT-PROGRAMME. pdf [20.04.20 21].
- Kara, Y. (2012). İslam Hukuku’nda Deynin Deyn Karşılığında Satımı, İslam Hukuku Araştırmaları Dergisi, sy.20, 2012, s.389-415.
- Malaysia EXIM Bank (2021). Islamic Banking https://exim.com.my/index.php/en/quick-links/ product-disclosure-sheet [20.04.2021].
- Özalp, A. (2007). Dış Ticaret’te Yeni Kurallar UCP 600’ın Kullanılması ve Akreditif. 2. b. İstanbul: Türkmen Kitabevi.
- Radzali, N. E. B., Habibi, N. A. B. M. N., Sabri, N. A. B. M., & Ismail, S. A. B. (2019). Examining Contracts used in Islamic Trade Financing: Issues in Bai Al-Dayn and Murabahah. International Journal of Management and Applied Research, 6(4), 366-374.
- Razali, S. S. (2012). Revisiting the Principles of Gharar (Uncertainty) in Islamic Banking Financing Instruments with Special Reference to bay al-Inah and bay al-dayn towards a new modified model. International Journal of Financial Management, 2(1), 15.
- Saiti, B, Hasan, A., & Ali, E.R.A.E. (2016). Islamic Capital Markets: Islamic Interbank Money Market: Contracts, Instruments and Their Pricing. Edited by: Alam, N. & Rizvi, S.A.R.. Palgrave Macmillan.
- Syed Alwi, S.F. (2011). An Analytical Study on Shariah And Regulatory Issues of Islamic Trade Finance in Malaysia. Unpublished Phd Thesis.International Islamic University Malaysia.
- Şafak, A. (1996). Mukayeseli Hukuk Açısından Factoring ve Komisyonculuk İşlemleri, I. Uluslararası İslam Ticaret Hukukunun Günümüzdeki Meseleleri Kongresi (s. 663-699). Konya: KOMBAD Yayınları.
- Uyanık, Y. (2003). Faktöring, Faiz ve İslam. http://web.boun.edu.tr/uyanik/Boun/Faktoring/Ent ries /2010/8/9_Faktoring,_Faiz_ve_Islam.html [20.04.2021].
Details
| Primary Language | Turkish |
|---|---|
| Subjects | Economics |
| Journal Section | Articles |
| Authors | |
| Publication Date | March 25, 2022 |
| Published in Issue | Year 2022 Volume: 8 Issue: 1 |
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