سياسة الأمن المالي في المصارف الفلسطينية الإسلامية وتطويرها في ضوء الفقه الإسلامي

Abstract

Security is considered to be an important factor in maintaining money. A successful bank is that which is able to plan and formulate its policies in a way that ensures and develops them in an incremental way. So, the issue of "Financial Security Policy" is considered one that deserves consideration and research. The study highlighted the Palestinian banks, and the Islamic ones in particular, which are all operating under the Israeli occupation. This is to form an introduction so as to show the difficulties and obstacles, on the one hand, and to show the importance of the study, with regard to the financial security policy of the Islamic banks, on the other . With reference to the core discussion, the study introduced the concept of "Financial Security" as a new concept derived by the researcher from various concepts such as "Economic Security", "Food Security". Then the study discussed the term "Policy" and traced its legislative roots, the concept of "Security", and the reciprocal relationship between both concepts. The study also showed the importance of Policy in realizing security, and the jurists' views on "Legislative Policy". The study focused on three main factors as the basis for any successful policy to realize security. These are: the "Human Capital", or what is called the "Human Resource" which includes "Employees and the Members of Legislative Supervision". The second factor is "Capital", especially that which is related to guarantee "al-9aman", "Liquidity" and procedures of improving it, taking into consideration the current situation in Palestine, and the possibility of applying the suggestions. The third factor is "Investment" which focuses on two models: the first is "joint-stock companies" and the second is "hire purchase" according to a suggested formula different from the traditional one. The study showed the importance of each issue in realizing Financial Security and the actual situation of the Islamic Banks connected to it. The study provided recommendations that might support, or help the Islamic banks in their policies to realize security, such as proper training of the employees and use of proper criteria in choosing supervisory board members, in addition of developing a good system of guaranteeing capital, benefit (al-rib}:i), and liquidity. The study also concluded that there is a need for proper mechanism to develop the investment instruments and promotion policies. The methodology used in this study is descriptive, analytical and comparative, which is necessary in this type of research.