١ع١٦ م ∗ ﻋﺒﺪ اﳉﺒﺎر ﲪﺪ ﻋﺒﻴﺪ اﻟﺴﺒﻬﺎﱐ اﳌﺴـﺘﺨﻠﺺ ∗ ﻣﻘﺪﻣﺔ ﲤﻬﻴﺪ اﻟﺼﲑﻓﺔ اﻟﺘﻘﻠﻴﺪﻳﺔ واﻟﺼﲑﻓﺔ اﻹﺳﻼﻣﻴﺔ ١ ٤اﺑﻦ ﻗﺪاﻣﺔ٧اﺑﻦ اﳍﻤﺎم Exchange اﳌﺼﺮف اﻹﺳﻼﻣﻲ ﳏﻤﺪ أﲪﺪ ﺳﺮاج اﻟﻮدﻳﻌﺔ ﲢﺖ اﻟﻄﻠﺐ اﻟﻮدﻳﻌﺔ اﻻﺳﺘﺜﻤﺎرﻳﺔ اﻟﺰﻳﻠﻌـﻲ ٢اﺑﻦ رﺷﺪ ٥اﻟﺸﻮﻛﺎﱐ ﻋﻠﻲ ﺣﻴﺪر ﺳـﺎﻣﻲ ﲪـﻮد ﺳــﺮاج ﻋﺒــﺪاﷲ اﻟﻐﺮﻳﺐ ﻧﺎﺻﺮ اﻟﻌﺒﺎدي اﻟﺴﻬﻢ واﻟﺴﻨﺪ اﳌﺒﺤﺚ اﻷول اﳌﻀﺎرﺑﺔ وﻛﻴﻔﻴﺔ ﺗﻌﺎﻃﻴﻬﺎ ﰲ اﳌﺼﺎرف اﻹﺳﻼﻣﻴﺔ ٣اﳌﺮﻏﻴﻨﺎﱐ ﻋﻠﻲ ﺣﻴﺪر ٣ﺳﻨﻦ اﻟﺪارﻗﻄﲏ ﻣﺸﺮوﻋﻴﺔ اﳌﻀﺎرﺑﺔ ٣اﻟﺪردﻳــﺮ٢١اﺑﻦ ﻋﺒﺪ اﻟﱪاﻟﺴﺮﺧﺴﻲ ٧اﺑﻦ ﻗﺪاﻣﺔ ٣اﻟﺪردﻳــﺮ ٥اﳌﺮداوي٣اﻟﺸﺮﺑﻴﲏ اﻟﻜﺎﺳﺎﱐ٢٢اﻟﺴﺮﺧﺴﻲ ٢رﺷﺪاﺑﻦ ٧اﺑﻦ ﻗﺪاﻣﺔ ٨اﻟﺸﻮﻛﺎﱐ ،اﺑﻦ ﺗﻴﻤﻴﺔ اﺑﻦ ﳒﻴﻢ ٢اﻟﻘﻨﻮﺟﻲ اﻟﺒﺨﺎري ٢٢اﻟﺴﺮﺧﺴﻲ٣ﺳﻨﻦ اﻟﺪارﻗﻄﲏ ٣أﺑﻮ اﻟﻔﻀﻞ اﻟﻌﺴﻘﻼﱐ اﺑﻦ ﺣﺰم ٨اﺑﻦ ﺣﺰم ﻃﺒﻴﻌﺔ اﳌﻀﺎرﺑﺔ ٢١اﺑﻦ ﻋﺒﺪ اﻟـﱪ٧اﺑﻦ ﻗﺪاﻣﺔ٢٢اﻟﺴﺮﺧﺴﻲ٣اﻟﻌﺴﻘﻼﱐ ٣اﻟﻌﺴﻘﻼﱐ٨ ٣اﻟﺪردﻳﺮ٢اﺑﻦ رﺷﺪ٣اﻟﺸﺮﺑﻴﲏ٦اﻟﻜﺎﺳﺎﱐ ٢اﺑﻦ اﻟﻘﻴﻢاﺑﻦ ﺗﻴﻤﻴﺔ٣اﳌﺮﻏﻴﻨﺎﱐ اﳌﺮﻏﻴﻨﺎﱐاﳌﻮﺻﻠﻲ ﺷﺮوط اﳌﻀﺎرﺑﺔ اﺑﻦ ﻋﺒﺪ اﻟﱪاﻟﺸﺮﺑﻴﲏاﻟﻜﺎﺳﺎﱐ اﳌﺮداوياﺑﻦ ﻗﺪاﻣﺔ اﺑﻦ ﻋﺒﺪ اﻟﱪاﳌﺮﻏﻴﻨﺎﱐ اﺑﻦ ﻋﺒﺪ اﻟﱪاﻟﺴﺮﺧﺴﻲ اﻟﺸـﺮﺑﻴﲏـﺪ اﺑﻦ رﺷـاﳌﻮﺻﻠﻲاﻟﻜﺎﺳﺎﱐ اﺑﻦ ﺣﺰماﺑﻦ ﻗﺪاﻣﺔ اﳌﻮﺻﻠﻲ ﻋﻠﻲ ﺣﻴﺪر اﺑﻦ ﻗﺪاﻣﺔ ﻋﺒﺪ اﻟﺮزاقاﺑﻦ ﻋﺒﺪ اﻟﱪ ﻋﻠﻲ ﺣﻴﺪر اﺑﻦ ﻋﺒﺪ اﻟﱪاﻟﺴﺮﺧﺴﻲ اﻟﺴﺮﺧﺴﻲاﳌﻮﺻﻠﻲ أﲪﺪ ﺑﻦ ﳛﲕاﻟﺸﺮﺑﻴﲏ ﳏﻤﺪ أﲪﺪ ﺳﺮاج اﺑﻦ ﻗﺪاﻣـﺔاﳌﺮداوياﻟﺸﺮﺑﻴﲏ اﻟﺪردﻳﺮ اﻟﺘﻄﺒﻴﻖ اﳌﺼﺮﰲ اﳌﻌﺎﺻﺮ ﻟﻠﻤﻀﺎرﺑﺔ ﻋﻼﻗﺔ اﳌﻮدﻋﲔ ﺑﺎﳌﺼﺮف ﻋﺒــﺪ اﷲ اﻟﻌﺒـﺎدياﻟﻐﺮﻳﺐ ﻧﺎﺻﺮﳏﻤﺪ ﺑﺎﻗﺮ اﻟﺼﺪر ﳏﻤﺪ اﻟﻌﺮﰊاﻟﻐﺮﻳﺐ ﻧﺎﺻﺮ ﻣﺼﻄﻔﻰ اﳍﻤﺸﺮي أوﻻ ﺳﺎﻣﻲ ﲪﻮد ﺎﺛﺎﻧﻴ ﺛﺎﻟﺜﹰﺎ ﺎراﺑﻌ ﺎﺧﺎﻣﺴ ﺧﺼﻮﺻﻴﺔ اﳌﻀﺎرﺑﺔ اﳌﺸﺘﺮﻛﺔ ﺳﺎﻣﻲ ﲪﻮد اﻟﻐﺮﻳﺐ ﻧﺎﺻﺮ،ﺳﺎﻣﻲ ﲪﻮدﳏﻤﺪ ﺑﺎﻗﺮ اﻟﺼﺪر اﻟﻀﻤﺎن وﻣﻮﻗﻒ اﳌﺼﺮف اﻹﺳﻼﻣﻲ ﻣﻨﻪ اﺑﻦ ﻋﺒﺪ اﻟﱪ اﺑﻦ ﻗﺪاﻣـﺔاﻟﺸﺮﺑﻴﲏاﺑﻦ رﺷﺪاﻟﻜﺎﺳﺎﱐ ﺣﺴﻦ اﻷﻣﲔاﺑﻦ ﺣﺰم اﻟﻀﻤﺎن ﰲ ﺣﺎل ﺗﻔﻮﻳﺾ اﳌﻀﺎرﺑﺔ اﺑﻦ ﻗﺪاﻣﺔ اﳌﺮﻏﻴﻨﺎﱐ ﻋﺒﺪ اﷲ اﻟﻌﺒﺎدي ﺳﺎﻣﻲ ﲪﻮد ﻣﺪﺧﻞ آﺧﺮ ﻹﺛﺒﺎت اﻟﻀﻤﺎن اﻟﺪردﻳﺮ ،ﺳﺎﻣﻲ ﲪﻮد اﳌﻮﺻﻠﻲاﻟﺴﺮﺧﺴﻲ ﻋﺒﺪ اﷲ اﻟﻌﺒﺎدي ،ﺳﺎﻣﻲ ﲪﻮد ﺣﺴﻦ اﻷﻣﲔ ﺎﺳﺎدﺳ … رﻓﻴﻖ اﳌﺼﺮي ﻧﺎﺻﺮاﻟﻐﺮﻳﺐ ،ﺳﺎﻣﻲ ﲪﻮد ٤ﺑﻦ ﳛﲕأﲪﺪ٣اﳌﺮﻏﻴﻨﺎﱐ٦اﻟﻜﺎﺳﺎﱐ رأي اﻷﺣﻨﺎف اﳊﻠﻲﻗﺪاﻣﺔاﺑﻦ ﺣﺴﻦ اﻷﻣﲔاﻟﺪﺳﻮﻗﻲ اﻟﺪردﻳﺮ :أوﳍﻤﺎ وﺛﺎﻧﻴﻬﻤﺎ اﻟﻜﺎﺳﺎﱐاﳌﺮﻏﻴﻨﺎﱐ اﻟﻜﺎﺳﺎﱐ رب ﻣﺎل ووﺳﻴﻂ: اﳌﺼﺮف واﳌﻀﺎرب ﻫﻞ ﻳﻀﺎرب ؟؟...اﳌﻀﺎرب ﻳﻀﺎرب اﺑﻦ ﻗﺪاﻣﺔ ﺎﺳﺎﺑﻌ اﳌﺒﺤﺚ اﻟﺜﺎﱐ ﺑﻴﻊ اﳌﺮاﲝﺔ وﻛﻴﻔﻴﺔ اﻋﺘﻤﺎده ﰲ اﻟﺼﲑﻓﺔ اﻹﺳﻼﻣﻴﺔ اﳌﻌﺎﺻﺮة اﳊﻠﻲ اﻟﻜﺎﺳﺎﱐ ﻣﺮاﲝﺔ أم ﻣﻮاﺻﻔﺔ) ( ﻣﻠﺰﻣﺔ ؟ ٧٨ اﳌﻮﺻﻠﻲ اﻟﻐﺮﻳﺐ ﻧﺎﺻﺮ رﻓﻴﻖ ﻳﻮﻧﺲ اﳌﺼﺮي ﺳﺎﻣﻲ إﺑﺮاﻫﻴﻢ اﻟﺴﻮﻳﻠﻢ ١٠ ﺎﺛﺎﻣﻨ ﺎﺗﺎﺳﻌ اﻋﺎﺷﺮ ٤ ،ﺳﺎﻣﻲ ﲪﻮد ٤ ﺣﺎدي ﻋﺸﺮ ﳏﻤﺪ أﲪﺪ ﺳﺮاج اﻹﻣﺎم ﻣﺎﻟﻚ ﺑﻦ أﻧﺲ اﺑﻦ ﺟﺰي ﳏﻤﺪ ﻋﻘﻠﺔ اﻹﺑﺮاﻫﻴــﻢاﺑﻦ ﻣﻔﺘﺎحاﻟﺸﻮﻛﺎﱐ اﻹﻣﺎم اﻟﺸﺎﻓﻌﻲ اﻟﺴﺮﺧﺴﻲ ﺛﺎﱐ ﻋﺸﺮ اﺑﻦ اﻟﻘﻴﻢ اﻟﺸﺎﻓﻌﻲ اﳌﻌﺎﺻﺮون وﺑﻴﻊ اﳌﺮاﲝﺔ ﻟﻶﻣﺮ ﺑﺎﻟﺸﺮاء ﻣﻊ اﻟﻮﻋﺪ اﳌﻠﺰم اﻟﻘﺮﺿﺎوي اﻟﻘﺮﺿﺎوي اﳌﺼﺮياﻟﻘﺮﺿﺎوياﻟﻘﺮﺿﺎويرﻓﻴﻖ اﳌﺼﺮي أﲪﺪ ﻣﻠﺤﻢ أﲪﺪ ﻋﻠﻲ ﻋﺒﺪ اﷲ ﻳﻮﺳﻒ اﻟﻘﺮﺿﺎوي اﻹﻣﺎم ﻣﺎﻟﻚ اﺑﻦ رﺷﺪ ﻳﻮﺳﻒ اﻟﻘﺮﺿﺎوي ﻳﻮﺳﻒ اﻟﻘﺮﺿﺎوي اﻟﻘﺮﺿﺎوي اﺑﻦ رﺷﺪ اﻟﻠﻴﺜﻲ ،اﺑﻦ أﰊ ﺷﻴﺒﺔ ﻳﻮﺳﻒ اﻟﻘﺮﺿﺎوي … ﻣﺼﻄﻔﻰ اﻟﺰرﻗﺎ اﳌﺼـﺮيـﻖ رﻓﻴـ٢٢ ﻳﻮﺳﻒ اﻟﻘﺮﺿﺎوي ﻳﻮﺳﻒ اﻟﻘﺮﺿﺎوي اﳋﺎﲤﺔ • • • • • • • • • اﳌﺮاﺟﻊ ﳏﻤﺪ ﻋﻘﻠﺔ،اﻹﺑﺮاﻫﻴﻢ اﻟﺴﺠﺴﺘﺎﱐ اﻷزدي،أﺑﻮ داود ،أﲪﺪ ﺑﻦ ﺣﻨﺒـﻞ ﺣﺴﻦ،اﻷﻣﲔ ،اﺑﻦ أﰊ ﺷﻴﺒﺔ اﺑﻦ اﳌﺒﺎرك أﺑﻮ اﻟﻌﺒﺎس اﻟﺰﺑﻴﺪي ﺗﻘﻲ اﻟﺪﻳﻦ،اﺑﻦ ﺗﻴﻤﻴﺔ أﺑﻮ اﻟﻘﺎﺳﻢ ﳏﻤﺪ ﺑﻦ أﲪﺪ،اﺑﻦ ﺟﺰي أﺑﻮ ﳏﻤﺪ ﻋﻠﻲ،اﺑﻦ ﺣﺰم أﺑﻮ ﳏﻤﺪ ﻋﻠﻲ،اﺑﻦ ﺣﺰم أﺑﻮ اﻟﻮﻟﻴﺪ أﲪﺪ،(اﺑﻦ رﺷﺪ )اﳉﺪ أﺑﻮ اﻟﻮﻟﻴﺪ ﳏﻤﺪ ﺑﻦ أﲪﺪ،(اﺑﻦ رﺷﺪ )اﳊﻔﻴﺪ أﺑﻮ ﳏﻤﺪ ﻋﺒﺪ اﷲ ﺑﻦ أﲪﺪ اﳌﻘﺪﺳﻲ،اﺑﻦ ﻗﺪاﻣﺔ أﺑﻮ ﻋﺒﺪ اﷲ ﳏﻤـﺪ،اﺑﻦ ﻗﻴﻢ اﳉﻮزﻳﺔ أﺑﻮ ﻋﺒﺪ اﷲ ﳏﻤﺪ ﺑﻦ ﻳﺰﻳﺪ اﻟﻘﺰوﻳﲏ،اﺑﻦ ﻣﺎﺟﻪ اﻟﺸﻴﺦ زﻳﻦ اﻟﻌﺎﺑﺪﻳﻦ ﺑﻦ إﺑﺮاﻫﻴﻢ،اﺑﻦ ﳒﻴﻢ أﺑﻮ ﻋﺒﺪ اﻟﺮﲪﻦ إﲰﺎﻋﻴﻞ،اﻟﺒﺨﺎري ، أﺑﻮ ﻋﻴﺴﻰ ﳏﻤﺪ ﺑﻦ ﻋﻴﺴﻰ،اﻟﺘﺮﻣﺬي اﳊﻠﻲ ﺳﺎﻣﻲ ﺣﺴﻦ،ﲪﻮد ﻋﻠــﻲ،ﺣﻴﺪر ﻋﻠﻲ ﺑﻦ ﻋﻤـﺮ،اﻟﺪارﻗﻄﲏ أﺑﻮ اﻟﱪﻛﺎت أﲪﺪ ﺑﻦ ﳏﻤﺪ،اﻟﺪردﻳﺮ ﳏﻤﺪ ﺑﻦ أﲪﺪ ﺑﻦ ﻋﺮﻓﺔ،اﻟﺪﺳﻮﻗﻲ ﻣﺼﻄﻔﻰ أﲪﺪ،اﻟﺰرﻗﺎ ﻣﺼﻄﻔﻰ أﲪﺪ،اﻟﺰرﻗﺎ ﲨﺎل اﻟﺪﻳﻦ،اﻟﺰﻳﻠﻌﻲ ﳏﻤﺪ أﲪﺪ،ﺳﺮاج ﴰﺲ اﻟﺪﻳﻦ،اﻟﺴﺮﺧﺴﻲ ﺳﺎﻣﻲ إﺑﺮاﻫﻴــﻢ،اﻟﺴﻮﻳﻠﻢ ﳏﻤﺪ ﺑﻦ إدرﻳـﺲ،اﻟﺸﺎﻓﻌﻲ ﴰﺲ اﻟﺪﻳﻦ ﳏﻤﺪ اﳋﻄﻴﺐ،اﻟﺸﺮﺑﻴﲏ ﳏﻤﺪ ﺑﻦ ﻋﻠـﻲ،اﻟﺸﻮﻛﺎﱐ ﳏﻤﺪ ﺑﺎﻗﺮ،اﻟﺼﺪر ﻋﺒﺪ اﷲ ﻋﺒﺪ اﻟﺮﺣﻴﻢ،اﻟﻌﺒﺎدي أﲪﺪ ﻋﻠﻲ،ﻋﺒﺪ اﷲ ﳏﻤﺪ ﻋﺒﺪ اﷲ،اﻟﻌﺮﰊ ﻗﺎﺿﻲ زاده أﻓﻨﺪي ﻳﻮﺳﻒ،اﻟﻘﺮﺿﺎوي أﺑﻮ اﻟﻄﻴﺐ،اﻟﻘﻨﻮﺟﻲ اﻟﺒﺨﺎري ﻋﻼء اﻟﺪﻳﻦ أﺑﻮ ﺑﻜﺮ ﺑﻦ ﻣﺴﻌﻮد اﳊﻨﻔﻲ،اﻟﻜﺎﺳﺎﱐ اﳌﻮﻃﺄ،ﻣﺎﻟﻚ ﺑﻦ أﻧﺲ اﳌﻮﻃـ،ﻣﺎﻟﻚ ﺑﻦ أﻧﺲ ،ـﺄ ﳎﻤﻊ اﻟﻠﻐﺔ اﻟﻌﺮﺑﻴﺔ ﻳﻮﺳﻒ ﻛﻤﺎل،ﳏﻤﺪ أﲪﺪ ﺑﻦ ﳛﲕ،اﳌﺮﺗﻀﻰ ﻋﻼء اﻟﺪﻳﻦ أﰊ اﳊﺴﻦ اﻟﺴﻌﺪي اﳊﻨﺒﻠﻲ،اﳌﺮداوي ﺑﺮﻫﺎن اﻟﺪﻳﻦ ﻋﻠﻲ،اﳌﺮﻏﻴﻨﺎﱐ أﺑﻮ اﳊﺴﲔ ﻣﺴﻠﻢ ﺑﻦ اﳊﺠﺎج اﻟﻘﺸﲑي اﻟﻨﻴﺴﺎﺑﻮري،ﻣﺴﻠﻢ ١٠ رﻓﻴـﻖ،اﳌﺼـﺮي أﲪﺪ ﺳﺎﱂ ﻋﺒﺪ اﷲ،ﻣﻠﺤﻢ ﻋﺒﺪ اﷲ ﺑﻦ ﳏﻤﺪ ﺑﻦ ﻣـﻮدود،اﳌﻮﺻﻠﻲ اﳊﻨﻔﻲ اﻟﻐﺮﻳـﺐ،ﻧﺎﺻﺮ ﻣﺼﻄﻔﻰ ﻋﺒﺪ اﷲ،اﳍﻤﺸﺮي وزارة اﻷوﻗﺎف اﻟﻜﻮﻳﺘﻴﺔ Notes on Jurisprudence of the Islamic Banking ABDUL JABBAR HAMAD UBAID AL-SUBHANI College of Economics and Management Sciences Al al-Bait University, Al-Mafraq, Jordan ABSTRACT. Islamic banking has witnessed a noticeable leniency and Islamic bank’s enthusiasm has declined. In fact they are now in a defensive position due to the dubious condition created by contemporary juristic opinions, as they started arguing for the guarantee of mudarabah deposits, which, in substance and for all practical purposes, means that the duration of deposits shall be determining their share in the profits. It is almost impossible, in the wake of frequent depositing and withdrawal, to calculate them on the basis of recurring profits. As for murarabah is concerned, which is the dominant form of investment for most of Islamic banks, it has gone far away from the actual form of murarabah sale as drawn by the known fiqhi schools. Basically, it was a kind of obligatory sale promise with full description of the object, though not free from doubts. The methodological research in contemporary application of the two contracts – murarabah and mudaraba – is the object of this paper in order to understand points of defects in their application and to offer possible suggestions to avoid them by pursuing the banking operation, starting form its simple form to its more complicated and compound one, whether for securing resources or investing them. Indeed, making clear the fiqhi condition and keeping away from the vested interests, provide firmness in the functioning of the Islamic bank and strengthening its position. Thus, the bank has to work either as mudarib, bearing the risk and sharing the profit, or as an intermediary, receiving fixed payment without bearing any risk. As for murabahah is concerned, one should abandon making it an absolute binding promise and opt for relinquishing the idea of promise altogether to get out of the dubious circle which stands as a hurdle between the bank and the public.
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