ﺍﻹﺟﺎﺭﺓ ﺍﳌﻮﺻﻮﻓﺔ ﰲ ﺍﻟﺬﻣﺔ ﻭﺳﻴﻠﺔ ﻟﺘﻤﻮﻳﻞ ﺍﳌﺸﺎﺭﻳﻊ ﺍﻹﻧﺸﺎﺋﻴﺔ ﰲ ﺍﳌﺼﺎﺭﻑ ﺍﻹﺳﻼﻣﻴﺔ :ﻣﻘﺪﻣﺔ :ﺍﳍﺪﻑ ﻣﻦ ﺍﻟﻌﻤﻠﻴﺔ :ﺧﻄﻮﺍﺕ ﺍﳌﻌﺎﻣﻠﺔ ﺧﻼﻝ ﻓﺘﺮﺓ ﺍﻹﻧﺸﺎﺀ:ﺃﻭﻻﹰ ﺧﻼﻝ ﻓﺘﺮﺓ ﺍﻟﺘﺸﻐﻴﻞ:ﺎﺛﺎﻧﻴ :ﺍﳌﻼﺣﻈﺎﺕ ﻋﻠﻰ ﺍﻟﻌﻘﺪ :ﺍﻟﻨﺘﻴﺠﺔ ﺇﺫ،ﺇﻥ ﻋﻘﺪ ﺍﻹﳚﺎﺭ ﺍﳌﻮﺻﻮﻑ ﰲ ﺍﻟﺬﻣﺔ ﻻ ﳝﻜﻦ ﻭﺻﻔﻪ ﺑﺄﻧﻪ ﻋﻘﺪ ﲤﻮﻳﻞ ﺇﺳـﻼﻣﻲ ، ﻓﻼ ﻳﻮﺟﺪ ﻫﻨﺎ ﻋﲔ ﳑﻠﻮﻛﺔ ﻟﻠﺒﻨﻚ ﳝﻜﻨﻪ ﺗﺄﺟﲑﻫﺎ،ﻟﻴﺲ ﻟﻪ ﻣﻦ ﺍﻟﻌﻘﻮﺩ ﺍﻹﺳﻼﻣﻴﺔ ﺇﻻ ﺍﻻﺳﻢ ﻭﺑﻘﻴﺔ ﺍﳌﺒﺎﺩﻻﺕ ﻭﺍﻟﻌﻘـﻮﺩ،ﻭﺍﻟﻌﻘﺪ ﻋﺒﺎﺭﺓ ﻋﻦ ﻣﺒﺎﺩﻟﺔ ﻧﻘﺪ ﻋﺎﺟﻞ ﺑﻨﻘﺪ ﺁﺟﻞ ﻣﻨﺠﻢ ﻭﺯﻳﺎﺩﺓ .ﺎ ﺻﻮﺭﻳﺔ ﻻ ﻋﱪﺓ :ﺻﻴﻐﺔ ﻣﻘﺘﺮﺣﺔ ﻟﺘﻤﻮﻳﻞ ﺑﻨﺎﺀ ﺍﻟﻌﻘﺎﺭ SPV Asset backed ﻋﺒﺪﺍﻟﺮﺣﻴﻢ ﻋﺒﺪﺍﳊﻤﻴﺪ ﺍﻟﺴﺎﻋﺎﰐ. ﺩ
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