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Islamsko bankarstvo nudi jedan drugačiji model

alt  Islamsko bankarstvo nudi jedan drugačiji model islamskabankaRanije ove godine, istanbulska berza pokrenula je indeks za banke i kompanije koje poštuju šerijat. Od tog vremena, pojava “islamskog bankarstva” — poznatog i pod nazivom “učesničko bankarstvo” — zaokupila je značajnu pažnju medija.

Posvuda se izvještava da te banke ne naplaćuju kamatu, zvanu “riba”, jer je to po islamskim zakonima zabranjeno. Stvarni mehanizmi kojima te banke posluju, međutim, i načini na koje se one izdvajaju od glavnine finansijskog sektora, i dalje se slabo razumiju.

U Turskoj trenutno posluju četiri učesničke banke: al Baraka, Bank Asya, Kuveyt Turk i Turkiye Finans. Kao i finansijske institucije iz glavnine sektora, te banke nude široku lepezu usluga, uključujući i štedne i tekuće račune, sredstava za finansiranje kuća i automobila, pa čak i islamske obveznice, to jest “sukuk”, koje nudi Kuveyt Turk.

Međutim, za svaku od tih usluga formiran je alternativni mehanizam za ostvarivanje dobiti, kako se ne bi kršilo islamsko pravo po pitanju transakcija i trgovine.

Na primjer, klijenti sa štednim računima u učesničkim bankama ne primaju mjesečne isplate kamate po određenoj stopi. Banke sredstva koriste za pružanje roba i usluga direktno, u skladu s modelom ulaganja na osnovu dobiti.

Sredstva od štednje se ulažu u robu, nekretnine ili industriju, a na kraju mjeseca dobit i gubitak dijele se s klijentom. Marža dobiti nije zagarantirana, a ulaganja se ne vrše u kompanije koje rade sa svinjetinom, alkoholom i drugim zabranjenim robama, kažu iz Udruženja učesničkih banaka Turske.

Dok finansiranje automobila u konvencionalnoj banci sobom povlači otplatu kredita s kamatom, Kuveyt Turk kupuje automobile u ime klijenata, a zatim ih prodaje u ratama po većoj cijeni. Umjesto da naplaćuju kamatu, oni transakciju kupovine i prodaje uzimaju u svrhu dobiti.

Trenutno, oko 5% depozita, sredstava i kredita u Turskoj drže učesničke banke, međutim, Udruženje učesničkih banaka Turske predviđa masovni rast.

Pomoćnik generalnog sekretara asocijacije Osman Nihat Yılmaz kaže za SETimes da predviđa kako će se tržišni dio učesničkih banaka udvostručiti i dostići deset posto u narednih deset godina.

Prema riječima Yilmaza, učesničke banke u Turskoj suočile su se s aktuelnom finansijskom krizom “s čvrste pozicije”.

“Bankarski sektor u Turskoj je otporniji u odnosu na zapadne banke,” kaže on, zbog mjera opreza donesenih nakon bankarske krize iz 2001. Nadalje, on kaže da posebno učesničke banke nemaju “kamatnog rizika, jer mi ne radimo s kamatnim transakcijama”.

Učesničke banke u Turskoj sad kontroliraju veoma mali udio ukupnih sredstava koja se drže u islamskim bankama širom svijeta, od čega se približno devedeset posto drži u Iranu, Perzijskom zaljevu i Maleziji, kako kaže list The Banker.

Yilmaz kaže da je islamsko bankarstvo usmjereno primarno na konzervativne ljude u Turskoj, koji, kako on opisuje, predstavljaju dvadeset posto turskog stanovništva, uz dodavanje da bi “to moglo porasti do 40 ili 50”. Međutim, on priznaje da učesničke banke trebaju pružati uvjeravanja u usluge banke ciljanim segmentima, kao i ostalim licima.

Na pitanje da li je ili nije nestabilnost na Bliskom Istoku stvorilo mogućnost da turske banke povećaju svoj tržišni udio, Yilmaz za SETimes kaže: “mi brinemo za svoje susjede” i ne želimo ostvarivati dobit na njihov račun.

Međutim, jednog dana “mi želimo da Istanbul postane centar” bankarstva na Bliskom Istoku, dodaje on.
(SETimes)

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