Welcome to Scribd, the world's digital library. Read, publish, and share books and documents. See more
Download
Standard view
Full view
of .
Look up keyword
Like this
16Activity
P. 1
le systeme bancaire islamique à l’ere de la mondialisatin le cas du maroc

le systeme bancaire islamique à l’ere de la mondialisatin le cas du maroc

Ratings:

4.52

(21)
|Views: 2,230|Likes:
Published by B.I

More info:

Published by: B.I on Oct 12, 2008
Copyright:Attribution Non-commercial

Availability:

Read on Scribd mobile: iPhone, iPad and Android.
download as DOC or read online from Scribd
See more
See less

05/09/2014

Le cas du Maroc
LE SYSTEME BANCAIRE ISLAMIQUE
\u00c0 L\u2019ERE DE LA MONDIALISATION!:
Pr\u00e9sent\u00e9 \u00e0
Monsieur G\u00e9rard VERNA
Par
Hosni ZAOUALI 02 347
1
Remerciements
SOMMAIRE
INTRODUCTION........................................................................8
PREMI\u00c8RE PARTIE!: LA CONCEPTION DU CR\u00c9DIT.............................14
I - LE CONCEPT OCCIDENTAL DU CR\u00c9DIT...........................................14
I.1
D \u00c9FINITION DU CR\u00c9DIT....................................................................14
I.1.1
Condition d\u2019octroi du cr\u00e9dit......................................................15
I.1.2
Les conditions du cr\u00e9dit...........................................................16
II - CONCEPT ISLAMIQUE DU CR\u00c9DIT.................................................21
II.1
FONDEMENT DE L\u2019INTERDICTION DE L\u2019INT\u00c9R\u00caT..........................................22
II.1.1 Principe d\u2019\u00e9galit\u00e9...................................................................22
II.1.2
Principe de justice.................................................................24
II.2
L\u2019USURE DU POINT DE VUE L\u00c9GISLATIF...................................................27
II.2.1 Les m\u00e9faits de l\u2019usure.............................................................28
II.2.2
Les diff\u00e9rentes phases de l\u2019interdiction........................................28
II.2.3
Perte de vue du principe de base interdisant l\u2019usure........................31
II.3
II.4
C OMMENT LES MAROCAINS ONT -ILS FINI PAR TOL\u00c9RER L\u2019USURE!?.......................31
ORGANES DE GESTION DES BANQUES ISLAMIQUES........................................33
II.4.1 Le conseil d\u2019administration.......................................................33
II.5
O RGANES DE CONTR\u00d4LE DES BANQUES ISLAMIQUES......................................34
II.5.1 Les censeurs comptables..........................................................34
II.5.2
Le conseil religieux.................................................................34
II.6
LE CR\u00c9DIT INDISSOCIABLE \u00c0 LA PARTICIPATION AUX RISQUES............................35
II.6.1 L\u2019apport de la banque islamique.................................................35
II.6.2
L\u2019apport des associ\u00e9s..............................................................37
DEUXI\u00c8ME PARTIE!: LA MISE EN \u0152UVRE DU SYST\u00c8ME FINANCIER.........39
I - L\u2019ACTIVIT\u00c9 PRINCIPALE DES BANQUES ISLAMIQUES...........................39
I.1
I.2
I.3

LA MOUDARABA..........................................................................40 LA MOUCHARAKA.........................................................................41 LA MOURABAHA..........................................................................43

II - APPR\u00c9CIATIONS ET CRITIQUES...................................................44
II.1
II.2
EQUILIBRE \u00c9CONOMIQUE ET SOCIAL......................................................44
D IFFICULT\u00c9S D\u2019 AP P L I C AT I O N.............................................................45
III - POLITIQUE MON\u00c9TAIRE...........................................................47
IV - ACTIVIT\u00c9S ANNEXES...............................................................48
2

Activity (16)

You've already reviewed this. Edit your review.
1 hundred reads
1 thousand reads
ghomri liked this
Driss Masaoudi liked this
Halim Mohamed liked this
elhyani liked this
anass saddik liked this
jul123456 liked this
elhyani liked this
Don Rochdi liked this

You're Reading a Free Preview

Download
scribd
/*********** DO NOT ALTER ANYTHING BELOW THIS LINE ! ************/ var s_code=s.t();if(s_code)document.write(s_code)//-->