Verfügbarkeit: Islamic banking and finance in Europe

Islamic banking and finance in Europe: the case of Germany and United Kingdom : a theoretical and an empirical analysis

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Bibliographische Detailangaben
Beteilige Person:	Ashfaq, Muhammad (VerfasserIn)
Format:	Hochschulschrift/Dissertation Buch
Sprache:	Englisch
Veröffentlicht:	Frankfurt am Main PL Academic Research 2017
Schlagwörter:	Islamische Bank Großbritannien Deutschland Analysis Banking Empirical Islamic Finance Practices Hochschulschrift
Links:	http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=029855356&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA
Umfang:	xxv, 220 Seiten Illustrationen, Diagramme
ISBN:	9783631733219 3631733216

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245	1	0	\|a Islamic banking and finance in Europe \|b the case of Germany and United Kingdom : a theoretical and an empirical analysis \|c Muhammad Ashfaq
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300			\|a xxv, 220 Seiten \|b Illustrationen, Diagramme
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502			\|b Dissertation \|c Universität Tübingen \|d 2017
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653			\|a Analysis
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653			\|a Practices
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Datensatz im Suchindex

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adam_text	TABLE OF CONTENT LIST OF FIGURES ............................................................................................ XXIII LIST OF TABLES .................................................................................................XXV CHAPTER 1: INTRODUCTION, BACKGROUND AND RATIONALE OF THIS STUDY................................................................................... L 1.1 INTRODUCTION....................................................................................................1 1.2 LITERATURE REVIEW AND IDENTIFICATION OF RESEARCH G A P ............................. 4 1.3 PROBLEM STATEM ENT........................................................................................ 6 1.4 RESEARCH QUESTIONS/OBJECTIVE OF THE S TU D Y ............................................... 6 1.5 SIGNIFICANCE OF RESEARCH...............................................................................7 1.6 RESEARCH HYPOTHESES.....................................................................................9 1.7 EXPECTED R ESULTS.......................................................................................... 10 1.8 CONCLUDING REMARKS ...................................................................................10 CHAPTER 2: FUNDAMENTALS OF ISLAMIC ECONOMICS, BANKING, AND FINANCE: A BASIC GUIDE.................................................... 11 2.1 INTRODUCTION..................................................................................................11 2.2 UNDERSTANDING OF ISLAM AND SHARIA H ........................................................11 2.2.1 PURPOSE OF SHARIA H ......................................................................... 12 2.2.2 SOURCES OF SHARIAH/LSLAMIC L AW .................................................... 12 2.3 DEFINITION OF ISLAMIC ECONOM ICS................................................................ 13 2.3.1 ORIGIN OF ISLAMIC BANKING, FINANCE, AND ECONOMICS ................... 14 2.4 ISLAMIC B ANKING........................................................................................... 14 2.4.1 IMPORTANCE OF ISLAMIC BANKING FOR MUSLIMS ................................. 15 2.5 CHARACTERISTICS AND FEATURES OF ISLAMIC ECONOMIC SYSTEM ..................... 16 2.5.1 THE PROHIBITION OF RIBA (INTEREST OR USURY)................................... 16 2.5.2 THE PROHIBITION OF GHARAR .............................................................. 17 2.5.3 THE PROHIBITION OF MAYSIR ............................................................... 18 2.5.4 PROFIT AND LOSS SHARING................................................................... 19 2.5.5 ASSET BACKED FINANCING.................................................................. 19 2.5.6 PROHIBITION OF INVESTMENT IN HARAM PRODUCTS AND INDUSTRIES ..... 20 2.5.7 ETHICAL VALUES AND R ULES................................................................. 20 2.6 ISLAMIC FINANCIAL INSTRUMENTS, CONTRACTS, AND T O O LS .............................. 21 2.6.1 MUSHARAKAH (EQUITY PARTNERSHIP, JOINT VENTURE).......................... 23 2.6.2 MUDARABAH (INVESTMENT PARTNERSHIP) ............................................ 25 2.6.3 MURABAHAH (COST-PLUS SALE/MARK-UP FINANCING).......................... 27 2.6.4 BAY SALAM (FORWARD S ALE) ............................................................. 29 2.6.5 IJARAH (LEASING)................................................................................ 30 2.6.6 ISTISNAH (CONSTRUCTION FINANCING) .................................................. 32 2.6.7 TAWARRUQ (CASH FINANCING/MONETIZATION)..................................... 33 2.7 DIFFERENCE BETWEEN ISLAMIC BANKING SYSTEM AND CONVENTIONAL BANKING S YSTEM .......................................................................................... 45 2.8 CONCLUDING REMARKS ...................................................................................47 APPENDIX CHAPTER 2 ............................................................................................. 48 CHAPTER 3: RISK MANAGEMENT AND ISLAMIC WEALTH CREATION AND WEALTH MANAGEMENT ......................................................................... 49 3.1 INTRODUCTION..................................................................................................49 3.2 RISK MANAGEMENT IN ISLAMIC F INANCE........................................................49 3.3 IMPORTANCE OF DERIVATIVES IN ISLAMIC F INANCE..........................................50 3.3.1 SLOW GROWTH OF DERIVATIVES IN MUSLIM C OUNTRIES ....................... 51 3.3.2 REASONS FOR THE UNDERDEVELOPED DERIVATIVE MARKET IN ISLAMIC FINANCE ................................................................................ 52 3.3.3 PROPOSED FEATURES OF S/IARI A/I-COMPLIANT DERIVATIVES MARKETS ....53 3.4 EXAMPLES OF SHARITI/I-COMPLIANT DERIVATIVES IN ISLAMIC FINANCE .......... 54 3.4.1 BAY SALAM AS AN ALTERNATIVE TO CONVENTIONAL FORWARD C ONTRACT............................................................................ 54 3.4.2 USE OF OPTIONS AS DERIVATIVE INSTRUMENTS IN ISLAMIC FINANCE ..... 55 3.4.3 BAY URBAN (DOWN-PAYMENT, DEPOSIT, OR EARNEST M ONEY) .......... 56 3.4.4 KHIYARAT (OPTION BY STIPULATION) ................................................... 57 3.4.5 MUBADALATUL ARBAAH (ISLAMIC PROFIT RATE SWAP) ........................... 57 3.4.6 WAY FORWARD FOR ISLAMIC DERIVATIVES ............................................ 58 3.5 MANAGING LIQUIDITY RISK IN ISLAMIC FINANCIAL INSTITUTIONS ..................... 59 3.5.1 IMPORTANCE OF EFFECTIVE LIQUIDITY MANAGEMENT FOR ISLAMIC BANKS .................................................................................. 59 3.5.2 CAUSES OF LIQUIDITY R ISK ................................................................. 60 3.5.3 LIQUIDITY MANAGEMENT IN PRACTICE FOR ISLAMIC FINANCIAL INSTITUTIONS....................................................................................... 61 3.6 ROLE OF SUPPORTING INSTITUTIONS IN OVERCOMING LIQUIDITY MANAGEMENT CHALLENGES ............................................................................ 61 3.6.1 THE INTERNATIONAL ISLAMIC LIQUIDITY MANAGEMENT C ORPORATION .... 61 3.6.2 THE ISLAMIC FINANCIAL SERVICES BOARD ............................................ 63 3.6.3 LIQUIDITY MANAGEMENT CENTER IN BAHRAIN .................................... 64 3.6.4 INTERNATIONAL ISLAMIC FINANCIAL M ARKETS ....................................... 64 3.7 LIQUIDITY MANAGEMENT TOOLS AND INSTRUM ENTS........................................65 3.7.1 COMMODITY MURABAHAH.................................................................. 66 3.7.2 INTERBANK DEPOSITS ON WAKALAH BASIS ........................................... 67 3.7.3 SHORT-TERM IJARAH SUKUK AS A MONEY MARKET INSTRUM ENT ............ 68 3.7.4 ISLAMIC REPO .................................................................................... 68 3.7.5 WAY FORWARD FOR LIQUIDITY M ANAGEMENT...................................... 69 3.8 IMPLICATIONS OF BASEL IE FOR ISLAMIC B ANKING ........................................... 69 3.8.1 CHALLENGES POSED BY BASEL ID TO ISLAMIC B ANKS ........................... 70 3.8.2 OPPORTUNITIES FOR ISLAMIC B ANKS .................................................... 72 3.8.3 RESPONSE OF SUPPORTING ISLAMIC INSTITUTIONS AND CORPORATE GOVERNANCE...................................................................................... 73 3.8.4 BASEL ID AND ISLAMIC FINANCE INDUSTRY: WAY FORW ARD ................. 74 3.9 WEALTH CREATION AND MANAGEMENT IN ISLAM ............................................ 74 3.9.1 SIZE OF GLOBAL ISLAMIC WEALTH MANAGEMENT INDUSTRY .................. 75 3.10 CONCLUDING REMARKS ...................................................................................76 CHAPTER 4: GLOBAL EMERGENCE OF ISLAMIC FINANCE IN WESTERN EUROPE: A CASE STUDY OF THE UNITED KINGDOM ........ 79 4.1 INTRODUCTION................................................................................................. 79 4.2 BRIEF OVERVIEW OF GLOBAL ISLAMIC BANKING AND FINANCE IN D U STRY ........79 4.2.1 MARKET SIZE OF GLOBAL ISLAMIC FINANCE IN D U STRY ........................... 80 4.3 EVOLUTION OF ISLAMIC FINANCE IN E U RO P E....................................................81 4.4 ISLAMIC BANKING AND FINANCE AND THE UNITED KINGDOM ..........................82 4.5 SIZE OF ISLAMIC FINANCE MARKET IN THE U K .................................................84 XVN 4.5.1 ISLAMIC B ANKING............................................................................... 85 4.5.2 S U KU K................................................................................................ 87 4.5.3 ISLAMIC FUNDS ................................................................................... 87 4.6 DRIVING FACTORS BEHIND THE DEVELOPMENT AND GROWTH OF ISLAMIC FINANCE IN THE U K ........................................................................................ 87 4.7 COMPARATIVE ANALYSIS OF THE UK AND GERMAN REGULATORY AND SUPERVISORY M ODEL ...................................................................................... 91 4.7.1 REGULATORY PHASES IN THE U K .......................................................... 91 4.7.2 ISLAMIC FINANCE TAXATION CHANGES IN THE U K ............................... 92 4.7.3 REGULATORY AND SUPERVISORY DEVELOPMENTS IN THE U K ................. 94 4.7.4 REGULATORY AND SUPERVISORY DEVELOPMENTS IN G ERM ANY ............. 96 4.8 ISLAMIC BANKING PROBLEMS AND CHALLENGES IN THE UK M ARK ET.................97 4.9 CONCLUDING REMARKS ...................................................................................97 CHAPTER 5: OVERVIEW OF THE GERMAN FINANCIAL SYSTEM AND ISLAMIC BANKING IN GERMANY .................................................................99 5.1 INTRODUCTION..................................................................................................99 5.2 MUSLIM POPULATION IN GERMANY ................................................................ 99 5.3 GOVERNMENT INITIATIVES........................................................................... 100 5.4 EVOLUTION OF ISLAMIC FINANCE IN G ERM ANY ............................................ 100 5.5 THE ROLE OF BAFIN REGARDING ISLAMIC FINANCE IN G ERM ANY ................ 102 5.6 OVERVIEW OF THE GERMAN FINANCIAL ENVIRONMENT AND BANKING SUPERVISION M ECHANISM .......................................................................... 102 5.6.1 FOREIGN BANKS FROM MUSLIM COUNTRIES OPERATING IN GERMANY .... 103 5.6.2 GERMAN BANKING SYSTEM .............................................................. 103 5.6.3 LICENSING OF ISLAMIC FINANCIAL INSTITUTES ACCORDING TO THE GERMAN AND EUROPEAN BANKING LAW .......................................... 104 5.7 MARKET PLAYERS IN ISLAMIC BANKING IN G ERM ANY.................................. 106 5.7.1 KT BANK AG (KUVEYT TURK) .......................................................... 106 5.7.2 LANDESBANK BERLIN A G .................................................................. 107 5.7.3 DEUTSCHE BANK A G ........................................................................ 107 5.7.4 COMMERZBANK A G ......................................................................... 108 5.7.5 LARGO BANK AG & CO. K G AA ........................................................ 109 5.8 OTHER ISLAMIC BANKING AND FINANCE INITIATIVES IN GERM ANY ............... 109 5.9 WHY LOW DEMAND OF ISLAMIC BANKING AND FINANCE PRODUCTS? ......... 110 5.10 CONCLUDING REMARKS ............................................................................... I L L CHAPTER 6: REVIEW OF EXISTING LITERATURE ................................... 113 6.1 INTRODUCTION............................................................................................. 113 6.2 STUDIES ABOUT IMMIGRANTS AND THEIR BANKING B EHAVIOR...................... 113 6.3 STUDIES ABOUT ISLAMIC FINANCE IN G ERM ANY .......................................... 115 6.3.1 MUSLIM CONSUMERS BEHAVIOR TOWARD ISLAMIC BANKING AND FINANCE P RODUCTS........................................................................... 116 6.3.2 QUANTIFICATION OF THE POTENTIAL OF ISLAMIC BANKING AND FINANCE.................................................................................... 119 6.3.3 MUSLIM CONSUMERS BEHAVIOR TOWARD ISLAMIC INSURANCE PRODUCTS.......................................................................................... 121 6.4 DISCUSSION ABOUT EXISTING STUDIES AND OUR PROPOSED S TU D Y .............. 122 6.5 CONCLUDING REMARKS ............................................................................... 124 CHAPTER 7: THEORETICAL FRAMEWORK AND RESEARCH METHODOLOGY ............................................................................................... 125 7.1 INTRODUCTION............................................................................................. 125 7.2 RESEARCH METHODOLOGY............................................................................ 125 7.3 METHODS USED IN THIS R ESEARCH.............................................................. 125 7.3.1 QUANTITATIVE A PPROACH................................................................. 126 7.3.2 QUALITATIVE A PPROACH.................................................................... 126 7.4 THEORETICAL FRAMEWORK: THEORY OF PLANNED BEHAVIOR ........................ 126 7.5 PROPOSED CONCEPTUAL FRAMEWORK FOR THIS S TU D Y ................................. 128 7.6 METHODS OF DATA COLLECTION ................................................................... 129 7.6.1 POPULATION AND SAM PLING ............................................................. 129 7.6.2 SAMPLE SIZE FOR RETAIL BANKING S URVEY ....................................... 129 7.6.3 PILOT STUDY...................................................................................... 130 7.6.4 SAMPLE SIZE FOR MUSLIM UMBRELLA ORGANIZATIONS SURVEY .......... 130 7.6.5 SAMPLE SIZE FOR SEMI-STRUCTURED INTERVIEWS .............................. 130 7.7 QUESTIONNAIRE D ESIGN.............................................................................. 131 7.7.1. TRANSLATION OF THE QUESTIONNAIRES................................................ 131 7.7.2 VALIDITY AND RELIABILITY OF THE INSTRUM ENT.................................. 132 7.7.3 ADVANTAGES AND DISADVANTAGES OF QUESTIONNAIRE METHOD ....... 132 7.7.4 ADVANTAGES AND DISADVANTAGES OF SEMI-STRUCTURED INTERVIEWS ... 132 7.7.5 RESEARCH E THICS.............................................................................. 133 7.8 PRACTICAL STEPS OF CONDUCTING THE FIELD S URVEY................................... 133 7.9 DATA ANALYSIS METHODOLOGY .................................................................. 134 7.9.1 ANALYSIS OF QUANTITATIVE D A TA ...................................................... 134 7.9.2 ANALYSIS OF SEMI-STRUCTURED INTERVIEW S...................................... 134 7.10 CONCLUDING REMARKS ............................................................................... 136 CHAPTER 8: EMPIRICAL ANALYSIS OF THE QUALITATIVE DATA ...... 137 8.1 INTRODUCTION.............................................................................................. 137 8.2 PROFILING OF THE INTERVIEW EES ................................................................. 137 8.3 KEY REASONS OF ISLAMIC BANKING SUCCESS IN THE UNITED K INGDOM ..... 139 8.4 IMPORTANT DRIVERS FOR THE DEVELOPMENT OF ISLAMIC BANKING IN E U RO P E....................................................................................................... 140 8.5 ROLE AND INFLUENCE OF RELIGION AND COUNTRIES OF ORIGIN ON ISLAMIC BANKING ....................................................................................... 141 8.6 RETAIL AND WHOLESALE ISLAMIC BANKING POTENTIAL IN G ERM ANY ........... 142 8.7 APPROPRIATE ISLAMIC BANKING MODELS FOR THE GERMAN M ARKET .......... 143 8.8 THE UK AS A ROLE MODEL OF ISLAMIC FINANCE FOR OTHER EUROPEAN C OUNTRIES.................................................................................................. 144 8.9 CHALLENGES FOR ISLAMIC BANKING IN E UROPE ........................................... 145 8.10 LEGAL AND PRODUCT DEVELOPMENT CHALLENGES ....................................... 145 8.11 EUROPEAN REGULATORY FRAMEWORKS AND SPACE FOR ISLAMIC L A W ......... 145 8.12 REGULATORS APPROACH TOWARD ISLAMIC BANKING IN GERMANY .............. 146 8.13 LEGAL AND REGULATORY REQUIREM ENTS ..................................................... 146 8.14 POLITICAL SUPPORT TO ISLAMIC BANKING IN G ERM ANY ............................... 146 8.15 BAFIN POLICY REGARDING ISSUING BANKING LICENSE IN GERMANY .......... 147 8.16 BAFIN POLICY TOWARD ISLAMIC BANKING IN G ERM ANY ............................. 147 8.17 ISLAMIC BANKING VIA EUROPEAN UNION PASSPORT IN G ERM ANY .............. 147 8.18 FUTURE OF ISLAMIC BANKING IN E UROPE .................................................... 148 8.19 SUCCESS PROSPECTS OF KT BANK AG IN G ERM ANY................................... 148 8.20 CONCLUDING REMARKS .............................................................................. 149 CHAPTER 9: EMPIRICAL ANALYSIS OF THE QUANTITATIVE DATA ... 151 9.1 INTRODUCTION............................................................................................. 151 9.2 SECTION 1: ANALYSIS OF THE RETAIL BANKING SURVEY................................ 151 9.2.1 PART 1: THE MAIN CHARACTERISTICS OF THE RESPONDENTS................. 152 9.2.2 PART 2: GENERAL BANKING AND FINANCE INFORM ATION ..................... 154 9.2.3 PART 3: PERCEPTIONS OF CONSUMERS ABOUT ISLAMIC BANKING ........ 155 9.2.4 KNOWLEDGE ABOUT ISLAMIC BANKING AND FINANCE ........................ 155 9.2.5 RELIGIOUS CHARACTERISTICS OF THE MUSLIMS .................................... 156 9.2.6 AWARENESS LEVEL ABOUT ISLAMIC BANKING AND FINANCE ............... 157 9.2.7 AWARENESS AND PROHIBITION OF RIBA.............................................. 158 9.2.8 AVAILABILITY OF ISLAMIC BANKS IN NEIGHBORHOOD.......................... 159 9.2.9 INVESTMENT IN SHARIOEH-COMPLIANT PRODUCTS ............................... 160 9.2.10 MORTGAGE FROM NON-ISLAMIC WESTERN B ANKS ............................... 161 9.2.11 WILLINGNESS TO USE PRODUCTS AND SERVICES OF ISLAMIC BANKS DESPITE HIGHER C OSTS..................................................................... 162 9.3 PART 4: CONSUMER WILLINGNESS TO SWITCH TO ISLAMIC B ANKING ............ 164 9.3.1 WILLINGNESS TO SWITCH TOWARD ISLAMIC B ANKING ......................... 165 9.3.2 MOTIVATIONS TO DO ISLAMIC B ANKING............................................. 165 9.3.3 REASONS FOR NOT DOING ISLAMIC BANKING...................................... 167 9.4 PART 5: RELEVANCE OF ISLAMIC P RODUCTS ................................................... 167 9.5 PART 6: INFERENTIAL STATISTICAL ANALYSIS OF THE RETAIL BANKING SURVEY .... 169 9.5.1 DETERMINATION OF CORRELATION AMONG DIFFERENT VARIABLES ........ 169 9.5.2 WILLINGNESS TO DO ISLAMIC BANKING AND RELIGIOUS CHARACTERISTICS OF THE RESPONDENTS.............................................. 170 9.5.3 GENDER AND LEVEL OF AWARENESS OF THE RESPONDENTS.................. 170 9.5.4 GENDER AND PERCEPTIONS OF MAKING INVESTMENTS IN SHARIAH- COMPHANT PRODUCTS ....................................................................... 170 9.5.5 GENDER AND PERCEPTIONS OF AVOIDING MORTGAGE LOANS FROM NON-ISLAMIC B ANKS ........................................................................ 171 9.5.6 GENDER AND PERCEPTIONS OF THE RESPONDENTS TO PAY HIGHER PRICES TO OBTAIN SERVICES OF ISLAMIC B ANKS .................................. 171 9.5.7 AWARENESS OF ISLAMIC BANKING AND EDUCATIONAL BACKGROUNDS ... 172 9.5.8 NATIONALITY AND LEVEL OF AWARENESS OF ISLAMIC B ANKING ........... 172 9.5.9 NATIONALITY OF RESPONDENTS AND DEMAND FOR ISLAMIC PRODUCTS AND SERVICES ................................................................... 172 9.6 SECTION 2: DESCRIPTIVE STATISTICAL ANALYSIS OF THE SURVEY OF MUSLIM UMBRELLA ORGANIZATIONS............................................................ 174 9.6.1 AWARENESS ABOUT THE EXISTENCE OF THE ISLAMIC FINANCIAL SYSTEM ............................................................................ 175 9.6.2 USAGE AND RECOMMENDATION OF INTEREST-FREE PRODUCTS TO THE M EM BERS......................................................................................... 175 9.6.3 DESIRED PRODUCTS AND SERVICES BY THE MUSLIM ORGANIZATIONS .... 175 9.6.4 REASONS FOR NOT DOING ISLAMIC B ANKING...................................... 175 9.6.5 DEMAND OF ISLAMIC BANKING PRODUCTS AMONG MUSLIMS ............ 176 9.6.6 BENEFITS OF ISLAMIC BANKING PRODUCTS FOR THE MUSLIM COM MUNITY .................................................................................... 176 9.6.7 RELIGIOUS CHARACTERISTICS OF MEMBERS OF MUSLIM ORGANIZATIONS ................................................................................ 176 9.7 SECTION THREE: HYPOTHESIS T ESTING ........................................................ 177 9.8 CONCLUDING REMARKS ............................................................................... 186 CHAPTER 10: DISCUSSION AND CONCLUSION ................................... 189 10.1 INTRODUCTION.............................................................................................. 189 10.2 SUMMARY OF MAIN FINDINGS .................................................................... 189 10.3 POTENTIAL IMPACT OF MUSLIM REFUGEES AND ASYLUM SEEKERS ON ISLAMIC B AN KING....................................................................................... 192 10.4 STUDY RECOMMENDATIONS........................................................................ 192 10.5 RESEARCH CONTRIBUTIONS .......................................................................... 194 10.6 RESEARCH LIMITATIONS ............................................................................... 195 10.7 AREAS FOR FURTHER R ESEARCH .................................................................... 195 10.8 FUTURE O UTLOOK......................................................................................... 196 10.9 CONCLUDING REMARKS ............................................................................... 197 REFERENCES .................................................................................................... 199 APPENDIX ......................................................................................................... 219
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genre	(DE-588)4113937-9 Hochschulschrift gnd-content
genre_facet	Hochschulschrift
geographic	Großbritannien (DE-588)4022153-2 gnd Deutschland (DE-588)4011882-4 gnd
geographic_facet	Großbritannien Deutschland
id	DE-604.BV044454531
illustrated	Illustrated
indexdate	2024-12-20T18:03:33Z
institution	BVB
isbn	9783631733219 3631733216
language	English
oai_aleph_id	oai:aleph.bib-bvb.de:BVB01-029855356
oclc_num	1000399695
open_access_boolean
owner	DE-M382 DE-11 DE-19 DE-BY-UBM DE-858
owner_facet	DE-M382 DE-11 DE-19 DE-BY-UBM DE-858
physical	xxv, 220 Seiten Illustrationen, Diagramme
publishDate	2017
publishDateSearch	2017
publishDateSort	2017
publisher	PL Academic Research
record_format	marc
spellingShingle	Ashfaq, Muhammad Islamic banking and finance in Europe the case of Germany and United Kingdom : a theoretical and an empirical analysis Islamische Bank (DE-588)4272560-4 gnd
subject_GND	(DE-588)4272560-4 (DE-588)4022153-2 (DE-588)4011882-4 (DE-588)4113937-9
title	Islamic banking and finance in Europe the case of Germany and United Kingdom : a theoretical and an empirical analysis
title_auth	Islamic banking and finance in Europe the case of Germany and United Kingdom : a theoretical and an empirical analysis
title_exact_search	Islamic banking and finance in Europe the case of Germany and United Kingdom : a theoretical and an empirical analysis
title_full	Islamic banking and finance in Europe the case of Germany and United Kingdom : a theoretical and an empirical analysis Muhammad Ashfaq
title_fullStr	Islamic banking and finance in Europe the case of Germany and United Kingdom : a theoretical and an empirical analysis Muhammad Ashfaq
title_full_unstemmed	Islamic banking and finance in Europe the case of Germany and United Kingdom : a theoretical and an empirical analysis Muhammad Ashfaq
title_short	Islamic banking and finance in Europe
title_sort	islamic banking and finance in europe the case of germany and united kingdom a theoretical and an empirical analysis
title_sub	the case of Germany and United Kingdom : a theoretical and an empirical analysis
topic	Islamische Bank (DE-588)4272560-4 gnd
topic_facet	Islamische Bank Großbritannien Deutschland Hochschulschrift
url	http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=029855356&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA
work_keys_str_mv	AT ashfaqmuhammad islamicbankingandfinanceineuropethecaseofgermanyandunitedkingdomatheoreticalandanempiricalanalysis

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