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Presented for: Dr  Fadzlan  Bin  Sufian  @ Sofian

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SITI NUR SALAMAH BT
ZULKIFLI
(2018290624)
SOFEA BALQIS BT RUSLI
(2018415504)
NURUL DANISHA ATHIRA
BT ZAKARIA
(201880766)
NOR IRMYRA EDORA BT
IRAWADY
(2018279676)
NURAFIFI AFUZA HURIN
BT MOHD NAZLI
(20184169962)

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The first Islamic finance was introduced by “ Mit   Gamar ” in Egypt

Malaysia establish Haji Fund named  Tabung  Haji to help people saving for performing Haji and Umrah

A lot of Islamic banking were introduced over the world especially in Muslim countries. (Dubai Islamic Bank 1975, Kuwait Finance House and Islamic Bank of Sudan 1977)

Spreading to other countries (Iran, Pakistan, Myanmar)  First Islamic bank were establish in Southeast Asia country which is Bank Islam Malaysia  Berhad

Over 562 of Islamic banking in 56 countries actively operated over the world with the asset estimated at  US$1.4 Trillion

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EGYPT :  Ahmad El Najjar introduce based on ‘profit-sharing’ by taking savings bank’s form

ALGERIA :  provide legal environment that suit Islamic preference and community. Thus make rationalization by Algerian’s people towards Islamic banks

PAKISTAN AND IRAN :  change banking system to concept interest-free or abandoned  Riba ’ in their banking system following  Shari’ah  preference.

PHILIPINE:  Fulfill the needed of Muslim people in their country by establish Islamic banking

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How Effective Performance Management Can Increase Your Company's Success -  CRG emPerform

PERFORMANCE We can see the performance of Islamic banking and finance by looking at the high demand of Islamic products and services in the market  Financial ratios can be used to evaluate the financial performance of Islamic banking in terms of profitability, liquidity and risk performance Profitability ratios consists of  Pre-Tax Profit on Asset Ratio Pre-Tax Profit on Shareholder’s Funds Ratio Liquidity ratios consists of  Total Financing to Total Deposits Ratio Total Deposits to Total Assets Ratio Risk performance and capital adequacy consists of  Net Impaired Loan Ratio Core Capital Ratio Risk-Weighted Capital Ratio

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Standardization Recovery of debt Covid-19 Outdated property rules Fewer green  sukuk The consent of consumers to join in the moratorium and the adjustment of payment after the deferment period

Issues and  Challenges of  of Islamic  Banking

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Financial instrument and their documentation

For Islamic financial goods, price formulas

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Consumers demand the deferment of instalments to be immediately granted

Islamic banks responded by approaching each of the customers in order to gain their consent.

Islamic banks are led by BNM in the implementation of the moratorium package, as the moratorium is a government initiative

The consent of consumers to join in the moratorium and the adjustment of payment after the deferment period

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Critical for the success of Islamic financing

Measures available to Islamic banks may include careful evaluation of financing requests (including credit rating of the clients), proper pricing of Islamic financial products, effective covering contracts and efficient machinery for enforcement of contracts.

Need for redefinition of legal rights of the creditors

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Comply with the Basel III post-financial crisis capital regulations

Still using Basel II and pre-reform Basel III rules

Have high exposure to real estate in both their investment and funding operations

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Sukuk is similar with bond but not have interest-paying

Green sukuk is sukuk that aims for the funding of environmentally friendly projects

Malaysia hosted the world’s first green sukuk

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COVID-19 is an infectious disease that cause by a newly discovered coronavirus

Service, operation, profit and others facility provided

Difficult to interact and communicate with the customers

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Islamic banking has experienced a rapid growth and tremendous development compared to the old days. Islamic banking is growing in almost every countries around the globe and as of today, there are over 562 of Islamic banking in 56 countries actively operating all over the world with the asset estimated at US$ 1.4 Trillion. T here are some issues and challenges that Islamic banking have to face : S tandardization T he consent of consumers to join in the moratorium and the adjustment of payment after the deferment period R ecovery  of debt O utdated  property rules F ewer green sukuk  T he pandemic of Covid-19 Islamic banking need to take proactive measures to overcome these issues and challenges that they are facing in order to ensure the growth of Islamic banking is well-maintained for a long time .

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https://www.thestar.com.my/business/business-news/2018/09/17/islamic-banks-face-outdated-property-rulesindustry-body https://salaamgateway.com/story/why-so-few-green-sukuk-sector-still-faces-longstanding-challenges-say-practitioners https://www.raconteur.net/finance/challenge-islamic-finance-evolve-products-prefer-innovation-imitation/ https://intpolicydigest.org/2020/05/06/islamic-banking-facing-new-challenges-amid-covid-19/ https://jmifr.usim.edu.my/index.php/jmifr/article/view/279/195 https://www.islamic-banking.com/explore/islamic-finance https://www.researchgate.net/publication/261174407_A_REVIEW_OF_ISLAMIC_BANKING_AND_CURRENT_ISSUES_AND_CHALLENGES_FACED_BY_ISLAMIC_BANKS_ON_THE_WAY_TO_GLOBALIZATION https://s.docworkspace.com/d/ACO1uXDq8MNLqqzr4J-nFA

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Islamic banking

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 https://www.thestar.com.my/business/business-news/2018/09/17/islamic-banks-face-outdated-property-rules---industry-body https://salaamgateway.com/story/why-so-few-green-sukuk-sector-still-faces-longstanding-challenges-say-practitioners https://www.raconteur.net/finance/challenge-islamic-finance-evolve-products-prefer-innovation-imitation/ https://intpolicydigest.org/2020/05/06/islamic-banking-facing-new-challenges-amid-covid-19/ https://jmifr.usim.edu.my/index.php/jmifr/article/view/279/195 https://www.islamic-banking.com/explore/islamic-finance https://www.researchgate.net/publication/261174407_A_REVIEW_OF_ISLAMIC_BANKING_AND_CURRENT_ISSUES_AND_CHALLENGES_FACED_BY_ISLAMIC_BANKS_ON_THE_WAY_TO_GLOBALIZATION https://s.docworkspace.com/d/ACO1uXDq8MNLqqzr4J-nFA

Islamic banking

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