{"id":2249,"date":"2022-11-24T13:16:45","date_gmt":"2022-11-24T13:16:45","guid":{"rendered":"https:\/\/uus.islam.pri.ee\/?p=2249"},"modified":"2022-11-24T13:16:45","modified_gmt":"2022-11-24T13:16:45","slug":"4-kokkuvote","status":"publish","type":"post","link":"https:\/\/uus.islam.pri.ee\/?p=2249","title":{"rendered":"4. Kokkuv\u00f5te"},"content":{"rendered":"\n

Islami finantsteenuste kasv viimastel k\u00fcmnenditel kogu maailmas ja eriti viimastel aastatel ka Euroopa Liidus v\u00e4\u00e4rivad t\u00e4helepanu – \u0161ariaga <\/em>koosk\u00f5las olevate finantsteenuste tundmine ja nende k\u00e4ibe soodustamine aitavad mitmekesistada majanduskeskkonda, suurendades selle vastupanu v\u00f5imalikele kriisidele. \u00dchendatud Kuningriigis islami finantsteenuste pakkujate litsentseerimise ja j\u00e4relevalve kogemused on andnud huvitavat informatsiooni meile tavap\u00e4raste ja islami finantsteenuste omavahelise v\u00f5rdluse kohta, selgitanud erinevusi ja sarnasusi. EL finantsteenuseid reguleerivate \u00f5igusaktide alusel on v\u00f5imalik islami finantsteenuste v\u00f5imalikku levikut asutamisvabaduse ja teenuste pakkumise abil ka teistesse liikmesriikidesse, kus islami finantsteenuste pakkujate litsentseerimiseks valmis ei olda. Islami finantsteenuseid vastavuse osas \u0161ariale<\/em> on eriarvamusi ka \u0161aria<\/em> \u00f5petlaste seas, millest tulenevalt tegelevad islami finantsteenuste standardiseerimisega mitmed organisatsioonid islamimaades, kui ka Euroopa Liidus. Kuiv\u00f5rd finantsteenuste k\u00e4ttesaadavusel on ka oluline sotsiaalne roll, ei ole t\u00e4htsusetu ka islami finantsteenuste \u00fchiskondlik t\u00e4hendus.<\/p>\n\n\n\n

KASUTATUD MATERJALID<\/strong><\/p>\n\n\n\n

Hoiu-laenu\u00fchistu seadus (RT I 1999, 24, 357<\/a>, RT I 2008, 59, 330<\/a>)<\/p>\n\n\n\n

Krediidiasutuste seadus (RT I 1999, 23, 349<\/a>, RT I 2010, 9, 41<\/a>)<\/p>\n\n\n\n

Tagatisfondi seadus (RT I 2002, 23, 131, 2008, 59, 330<\/a>)<\/p>\n\n\n\n

Directive 2000\/12\/EC of the European Parliament and, of the Council of 20 March 2000 relating to the taking up and pursuit of the business of credit institutions<\/strong>, Official Journal L 275 , 27\/10\/2000 P. 0039 – 0043.<\/em><\/p>\n\n\n\n

Euroopa Parlamendi ja N\u00f5ukogu direktiiv 2009\/14\/E\u00dc, millega muudetakse direktiivi 94\/19\/E\u00dc hoiuste tagamise skeemide kohta seoses hoiuste tagamise ulatuse ja h\u00fcvitamise t\u00e4htajaga, OJ L 68, 13.3.2009, p. 3\u20137.<\/em><\/p>\n\n\n\n

Al-Shaloob Salah, Organized Tawarruq in Islamic law; A Study of organised tawarruq s Practised in the Financial Institutions in Saudi Arabia, https:\/\/eprints.kfupm.edu.sa\/14894\/1\/organised_tawarruq_in_Islamic_law_(Conf_23_Apr_2007).pdf<\/a>, p. 16<\/p>\n\n\n\n

Analysis; Tawarruq declared impermissible by the OIC Fiqh Academy: Analysis on Islamic Banking, June 2009, http:\/\/www.islamicbanker.com\/tawarruq-fiqh-academy-aaoifif.html<\/a>, 06.05.2010<\/p>\n\n\n\n

B\u00e4lz, Killian Islamic Finance for European Muslims: The Diversity Management of Shari’ah-Compliant Transactions Symposium: Islamic Business and Commercial Law , Chicago Journal of International Law 2006, 2007, p. 551http:\/\/heinonline.org\/HOL\/Page?collection=journals&handle=hein.journals\/cjil7&id=555&terms=consumer credit#557, 06.05.2010<\/p>\n\n\n\n

Gafoor Abdul A.L.M   Interest-free Commercial Banking. Islamic Banking, 1995, http:\/\/users.bart.nl\/~abdul\/chap4.html#4.4%20Islamic%20banking%20in%20non-Muslim%20countries<\/a>, 31.03.2010<\/p>\n\n\n\n

El Qorchi, Mohammed   Islamic Finance Gears Up   International Monetary Fund Finance & Development December 2005, Volume 42 No 4. http:\/\/www.imf.org\/external\/pubs\/ft\/fandd\/2005\/12\/qorchi.htm<\/a>, 31.03.2010<\/p>\n\n\n\n

Farooq, Mohammad Omar   Qard Hasan, Wadiah\/Amanah and Bank Deposits, http:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=1418202 p. 39, 31.03.2010.<\/p>\n\n\n\n

Iqbal, Jaquir Dr. Islamic Finance Management, Global Vision Publishing House, India, 2009, p. 379<\/p>\n\n\n\n

Lewis, Mervin Latifa M. Algaoud Islamic BankingMPG Books Ltd, Bodmin Cornwall, 2001, p. 248<\/p>\n\n\n\n

Wyman Oliver The Next Chapter in Islamic Finance. Higher Rewards but Higher Risks, MarshMercer, Kroll, Guy, Carpenter, Oliver Wyman, 2009, p. 38<\/p>\n\n\n\n

Usmami, Mohammed Taqi   Islamic Banking Windows,   New Horizon No 119, May 2002, -3-5. http:\/\/www.financeinislam.com\/article\/1_35\/1\/442<\/a>, 31.03.2010<\/p>\n\n\n\n

W\u00fclfing, Thomas Dr.   Rechtliche Aspekte des islamischen Bankwesens & Scharia-konformer Investments, http:\/\/www.competence-site.de\/downloads\/0d\/2b\/i_file_43534\/Vorlesung_Islamic_Banking-Skript_deutsch.pdf p. 23<\/a>, 31.03.2010<\/p>\n\n\n\n

Accounting and Auditing Organization for Islamic Financial Institutions http:\/\/www.aaoifi.com<\/a>, 31.03.2010<\/p>\n\n\n\n

Alhi United Bank http:\/\/www.ahliunited.com<\/a> 31.03.2010<\/p>\n\n\n\n

Ansar Finance Group, http:\/\/www.ansarfinance.com<\/a>, 06.05.2010<\/p>\n\n\n\n

Bank of London and Middle East http:\/\/www.blme.com<\/a> 31.03.2010<\/p>\n\n\n\n

Financial Services and Compensation Scheme http:\/\/www.fscs.org.uk\/what-we-cover\/eligibility-rules\/<\/a> 31.03.2010.<\/p>\n\n\n\n

European Islamic Investment Bank, www.eiib.co.uk<\/a>, 31.03.2010<\/p>\n\n\n\n

http:\/\/www.hsbcamanah.com\/amanah\/about-amanah\/faq.html#34<\/a>, 06.05.2010<\/p>\n\n\n\n

Islamic Bank of Britain www.islamic-bank.com<\/a> 31.03.2010<\/p>\n\n\n\n

Islamic Financial Services Board http:\/\/www.ifsb.org\/<\/a> 31.03.2010<\/p>\n\n\n\n

Linova Islamic Finance Consulting http:\/\/eng.linova.ru\/razdel\/35 31.03.2010<\/a><\/p>\n\n\n\n

City Minister Kitty Ussher chairs Islamic Finance Experts Group meeting on feasibility study into Government SUKUK, http:\/\/www.hm-treasury.gov.uk\/press_89_07.htm<\/a>, 31.03.2010.<\/p>\n\n\n\n

FSA encourages growth of Islamic finance in the UK, 28 November 2007, http:\/\/www.fsa.gov.uk\/pages\/Library\/Communication\/PR\/2007\/121.shtml<\/a>, 31.03.2010.<\/p>\n\n\n\n

Islamic Banking in the UK, 9 March 2006, UK FSA http:\/\/www.fsa.gov.uk\/pages\/About\/Media\/notes\/bn016.shtml<\/a> 31.03.2010<\/p>\n\n\n\n

Islamic Finance in the UK: Regulation and Challenges, UK FSA November 2007, p. 36 http:\/\/www.fsa.gov.uk\/pubs\/other\/islamic finance.pdf<\/a> 31.03.2010<\/p>\n\n\n\n

London: Center of Islamic Finance   UK FSA http:\/\/www.fsa.gov.uk\/pages\/Library\/Communication\/Speeches\/2007\/1018_cb.shtml 31.03.2010<\/a><\/p>\n\n\n\n

Siddiqi, Mohammad Nejatullah, Economics of Tawarruq, A Methodological issue in Shariah-Compliant Finance, February 1, 2007, http:\/\/www.siddiqi.com\/mns\/Economics_of_Tawarruq.pdf<\/a>, p.7 <\/p>\n\n\n\n

What is Islamic Finance and how does it compare with the Western conventional Banking System. A Regulatory perspective, UK FSA, presentatsioon Industry and Parliamentary Trust Forum 6 May 2009, p. 12.<\/p>\n\n\n\n

Initiative en faveur du d\u00e9veloppement de la finance islamique en France Prantsuse Majandus- T\u00f6\u00f6stus ja T\u00f6\u00f6ministeeriumi juhend Direction G\u00e9n\u00e9rale du Tr\u00e9sor et de la politique \u00e9conomique http:\/\/www.minefe.gouv.fr\/directions_services\/dgtpe\/secteur_financier\/haut_comite_place\/dev_fin_islam.htm<\/a>, 31.03.2010<\/p>\n\n\n\n

Rapport d’infomation fait au nom de la commission des Finances, du contr\u014dle budg\u00e9taire et des comptes \u00e9conomiques de la Nation (1) sur la finance islamique,  N\u00b0 329, S\u00e9nat, SESSION ORDINAIRE DE 2007-2008Annexe au proc\u00e9s-verbal de la s\u00e9ance du 14 mai 2008, p. 60.<\/p>\n\n\n\n

Saksa Finantsj\u00e4relevalve Asutus (Bundesanstalt f\u00fcr Finanzdienstleistungaufsicht) Summary of the questionnaire for the meeting of European Passport Experts 17.09.2004. p. 8<\/p>\n\n\n\n

Analysis of the application if IOSCO objectives and principles of securities regulation for islamic securities products, IOSCO, September 2008, p. 43<\/p>\n\n\n\n

Grais, Wafik,    Pellegrini, Matteo   Corporate Governance and Shariah Compliance in Institutions Offering Islamic Financial Services, World Bank Policy Research Working Paper 4054, November 2006, p. 38<\/p>\n\n\n\n

El-Haawary Dahlia, Grais, Wafik, Iqbal Zamir   World Bank: Regulating Islamic Financial Institutions: The Nature of the regulated WPS3227, March 2004, p. 49.<\/p>\n\n\n\n

Islamic Banks: A Novelty No Longer, August 8, 2005, BusinessWeek, http:\/\/www.businessweek.com\/magazine\/content\/05_32\/b3946141_mz035.htm<\/a>, 31.03.2010.<\/p>\n\n\n\n

Rosly, Saiful Azhar Prof. Dr. 31 October 2005 From Windows to Subsidiaries for Islamic Banking Malaysian Institute of Economic Research, p. 5, http:\/\/www.mier.org.my\/mierscan\/archives\/pdf\/drsaiful31_10_2005.pdf<\/a>, 31.03.2010.<\/p>\n\n\n\n

http:\/\/www.arabicenglishdictionary.org<\/a>, 31.03.2010.<\/p>\n\n\n\n

http:\/\/en.wikipedia.org\/wiki\/France#Religion<\/a>, 31.03.2010.<\/p>\n\n\n\n

Encyclopeadia Britannica France, People, Religion   http:\/\/search.eb.com\/eb\/article-41118<\/a>, 31.03.2010<\/p>\n\n\n\n

Financial exclusion \u2013 Ensure an adequate access to basic financial services, Directorate General Employment, Social Affairs, Equal Opportunities, European Commission, 28th May 2008   p. 4, http:\/\/ec.europa.eu\/employment_social\/spsi\/financial_exclusion_en.htm<\/a>, 31.03.2010.<\/p>\n\n\n\n

http:\/\/finance.practicallaw.com\/5-367-4016<\/a>, 06.05.2010<\/p>\n","protected":false},"excerpt":{"rendered":"

Islami finantsteenuste kasv viimastel k\u00fcmnenditel kogu maailmas ja eriti viimastel aastatel ka Euroopa Liidus v\u00e4\u00e4rivad t\u00e4helepanu – \u0161ariaga koosk\u00f5las olevate finantsteenuste tundmine ja nende k\u00e4ibe soodustamine aitavad mitmekesistada majanduskeskkonda, suurendades selle vastupanu v\u00f5imalikele kriisidele. \u00dchendatud Kuningriigis islami finantsteenuste pakkujate litsentseerimise ja j\u00e4relevalve kogemused on andnud huvitavat informatsiooni meile tavap\u00e4raste ja islami finantsteenuste omavahelise v\u00f5rdluse kohta, selgitanud erinevusi […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[107],"tags":[],"class_list":["post-2249","post","type-post","status-publish","format-standard","hentry","category-islami-finants-euroopa-liidus"],"_links":{"self":[{"href":"https:\/\/uus.islam.pri.ee\/index.php?rest_route=\/wp\/v2\/posts\/2249","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uus.islam.pri.ee\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/uus.islam.pri.ee\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/uus.islam.pri.ee\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/uus.islam.pri.ee\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2249"}],"version-history":[{"count":1,"href":"https:\/\/uus.islam.pri.ee\/index.php?rest_route=\/wp\/v2\/posts\/2249\/revisions"}],"predecessor-version":[{"id":2250,"href":"https:\/\/uus.islam.pri.ee\/index.php?rest_route=\/wp\/v2\/posts\/2249\/revisions\/2250"}],"wp:attachment":[{"href":"https:\/\/uus.islam.pri.ee\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2249"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/uus.islam.pri.ee\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2249"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/uus.islam.pri.ee\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}