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An-Najah National University
Faucuty of Graduate Studies
Guarantee Letter of Islamic Banks
Prepared by
Sulayman Ahmad Mohamad Al Qirim
Supervised by
Dr .Abed-ElMuni m Jaber Abu-Qahooq
Submitted in Partial Fufillment of Requirements for the degree of master of
Islamic law (Sharia) in Figh wa Tashree,at An-Najah National University,
Nablus, Palestine
2003
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Guarantee Letter of Islamic Banks
By
Sulayman Ahmad Mohamad Al Qirim
Supervised
Dr .Abed-ElMuni m Jaber Abu-Qahooq
Abstract
All the praise and thanks be to Allah, the lord of the ‘Alamin’, and peace be
upon the Master the Messengers and all people ‘Mohammad Ibn AbedAllah and his followers till the Dooms Day.
This is an introduction presented by the student “Sulaiman Ahmad
Mohammad AL-Qirim” under the supervision of Dr.Abed-ElMuni’m Jaber
Abu-Qahooq, the lecturer at thee faculty of Religion, An-najah National
University Nablus. This aims at having the Master degree in Islamic
legislation, Department of legislation and jurisprudence 2003AD, 1424
AH.
This introduction aims of presenting the concept of guarantee letter as it is
done in Islamic Banks, giving Islamic judgement concerning of, because
Islamic Banks are always accused of their commitment to Islamic
legislation in dealing with their customers.
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This introduction contains an introductory chapter and five main
chapters. In the introductory chapters, I talked many issues, Financial
guarantee in the Islamic legislation, the definition of guarantee
linguistically and conceptually, guarantee legitimacy, reasons, divisions
and its basics.
In the first chapter, (the concept of guarantee letter including topics)
which comprises, warranty and
guarantee; their meaning, basics,
requirements and their consequences. I talked about the meaning of
guarantee letter, the religion adaptation towards it, its relationship with
warranty and guarantee about the concept of Islamic Banks.
In the second chapter (guarantee letter a contract including topics)
which tackles new ideas in contracts in Islamic religion, the way of issuing
the guarantee letter and its basics.
In the third chapter (kinds of guarantee letter and its judgement
according legitimacy including topics). I talked about the tow kinds of
guarantee letter, the basic and final. This chapter includes guarantee letter
in return for paying for the expenses of the project or auction and
guarantee letter concerning receipt guarantee.
175
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In the fourth chapter, (payment for issuing guarantee letter including the
following topics) where Iii pointed out the religion attitude towards
payment, the judgement for talking payment for guarantee letter, I also
compared between guarantee letters in both Islamic and traditional banks.
In the fifth chapter, (the importance of guarantee letter in
development including tow topics). In this chapter I wrote about investment
its concept, judgement, requirements, the effect of guarantee letters in
personal and general investment. Then I finalized by special appendix of
legal opinion concerning guarantee letters. Then I ended by the conclusion
composed
of
the
most important
recommendations.
176
results of the research and