- PDF Free Download

................................................

.........................................................

...... Weightage...................................................

.......................................... Lessee............ Charity fund...

................................................

.........................................................

.......................................

6-1

.p k du i.e ur an w.b w w

.p k du i.e ur an.b w w w

.p k du ur i.e an.b w w w

.p k du i.e an ur.b w w w

.p k ur i.e du an.b w w w

.p k du i.e ur an.b w w w

(Joint commercial enterprises)

Financing System Banking Rules (Profit) (Services) Leasing Ordinary Leagal device

(mode of Financing) (Mode of Financing)

modes of Financing

.p k du i.e ur an.b w w w

Bank & Islam Capitalism

.p k du i.e an ur.b w w w

(Mode of Financing)

Profit and lose sharing

.p k du i.e ur.b an w w w

.p k du i.e ur an.b w w w

(PRODUCTS)

n Economics Charity

.p k n du ur i.e an w.b w w

n (Deffective Transactions)

Products (Islamic

Windows) Modes of Financing Financing Modes

.p k du i.e.b an ur w w w Client Agreement

.p k du i.e ur.b an w w w

Clients

(Capital) (Security Deposit) (Client) (Juristic Person) (Limited Liability) (Agreement) Clientes

Depositer.p k w w w.b an ur i.e du

Prospectus Policy Chart

2006 3

30 200314 2006 2006 3 3

2006 3 2007 2 2007 2

Project Collateral Procedural Market Rate 2006 3

(Islamic (Conventional Banking) Banking)

(Riba Free Islamic Banking)

(Over-Night Period)

LIBOR -

.p k du i.e (Legal Devices) ur an.b w w w

Juristic person (Transaction) (Mudharabah & Musharakah)

Joint trade Enterprise (Diminishing Musharakah) (Murabahah ) (Short (Credit sale) Long term term) Leasing

(Salam & Istisna) (Juristic Person) (Limited Liabilities) (Services)

.p k du i.e ur an w.b w w

(mode of Financing) (Corporate Law Authority)

.p k i.e du ur.b an w w w

(Agent) (Share holders) (Sleeping Partners)

.p k du i.e an ur w w w.b Limited Liabilities

(Investor) (Working Partner)

(Loan & Debt)

(Prospectis)

Unlimited Liabilities Investor Juristic Person Present Assets

Limitation -

- -

No doubt, the concept of 'limited liability' is beneficial the share holders of the company. but at the same time, it may be injurious to the creditors. If the liabilities of a limited company exceed its assets, the company becomes insolvent and is consequently liquidated, the creditors may lose a considerable amount of their claims, because they can only receive the liquidated value of the assets of the company, and have no recourse to its share-holders for the rest of their claims, Even the directors of the company who may be responsible for such an unfortunate situation cannot be held responsible for satisfying the claims of the creditors (1) (1): An Introduction to islamic Finance.Page:.222 By Muhammad Taqi Usmani. Maktaba Maariful Quran.

. -

(Bill of Exchange) -

- --

Joint Stock Sceme

Financing modes

(Client) (capital)

Juristic Person

LIBOR

(Profit and! loss Sharing) Secondry, Pain Killer First Aid First Aid

Ordinary Legal Devices

Working Partner (Un-Limited) Investor Working Partner (Juristic Person) Investor (Limited)

"All funds deposited in the account to be opened pursuant to this application. and all transactions in relation theretro will be governed by the Terms and Conditions for Accounts and Services, Policies of Meezan Bank Ltd. and all laws, regulations,rules, decrees, by-laws, applicable to Meezan Bank Ltd. including regulations, directions and circulars, issued by the State Bank of Pakistan and all amendments that may be made from time to time to all or any of the above. I/We agree to provide any documents requested by Meezan Bank Ltd...[etc.]

secure? Will my investment at Al-Meezan be Al-Meezan is an investment bank regulated by the rules of the State [etc] bank of Paksitan.

Modes of Financing

Uncertainty of Transaction

21. CHARGES AND EXPENSES 21.1 The Bank may, without any further express authorization from the Customer,

debit any account of the Customer maintained with the Band for: (i) All expenses, fees, commissions, taxes, duties or other Charges and losses incurred, suffered or sustained by the Bank in connection with the opening/operation/ maintenance of the Account and/or providing the services and/or for any other banking service wich the Bank may extend to the Customer. (ii) The amount of any or all losses,claims, damages,costs, charges, expenses or other amounts which the Bank may suffer, sustain or incur as a consequence of acting upon the Instructions.

(Daily Product Basis)

.p k du i.e ur an.b w w w Current Account

Weightage (Weightage)

Weightage Weightage Value -

Project Collateral Procedural

Transaction Value of Diminishing Musharakah

Murabahah and Ijarah As A Financing mode Mode of Financing

.p k i.e du ur.b an w w w

(Legal devices)

.p k du i.e an ur w.b - w w

(Bill of Exchange)

(Risk and Possission)

Agent Sale by Action Bargaining

(Counter Parties).p k du i.e ur an.b w w w -

Murabhah Shariah, and it's Risks in banking Murabahah Advance Agreement "Appendix BN to Master Murabaha Agreement To Meezan bank Dear Sirs,... we request you to acquire the assete... under the following terms and conditions: i We shall imediataly acquire the assets from you...failing which we undertake to

compensate you for any actual loss suffered...[etc.]

Saler Buyer (Agent)

Offer & Acceptance

Commodity Lessee Lease

.p k ur i.e du an.b w w w Sale

Charity

Operational modes

(Lessar) (Lessee) -

Commodity (Lessee) (Lessar)

Defective (Trustee) -

(financial Lease) (Owner/Leaser)

Leasing -

Rent Mark-up

Charity fund Agreement

Undertaking of Charity

(Promisor)

(Promisee)

Penalty (Charity)

Fees Default Policy

.p k du i.e ur an.b w w w

(Pledge)

(Loan) (Deferring)

du.p k i.e ur an.b w w w

.p k du i.e ur.b an w w w

(Secondary Bases)

Modes of Financing

(Operational Mode of financing)

.p k du i.e ur w.b an w w

(Stock Exchange)

(Charity) Penalty du.p k ur i.e an w w.b w (Mark-up)

(Rent)

.p k i.e du Challenge ur an.b w w w

.p k du i.e an ur w.b w w

.p k du i.e ur an.b w w w

(Over-night Period)

(Trade & Financing)

.p k du i.e ur an.b w w w

.p k du i.e an ur.b w w w

.p k du i.e 30 3 ur an.b w w w

First Aid

.p k du i.e an ur.b w w w

.p k du ur i.e.b an w w w

Products

Banking system Challenge

Prospectus

.p k du i.e ur an w.b w w

General Knowledge Direct

Language of Banking System)

Information Reciption Governer State bank of Pakistan

Surgery

Books Author Publisher An Introduction to Islamic Finance. Islamic banking Let's Learn Islamic banking Justice Muhammad Tiqi Usmani Idardtul-Ma,arif Dr. Imran Ashrfaf Usmani Meezan Bank www.meezan bank.com Bank al.islami