GENERICO.ruЭкономикаA Muslim bank will appear in Russia: it works according to Sharia law

A Muslim bank will appear in Russia: it works according to Sharia law

At the economic forum, they announced the creation of a credit and financial organization for the countries of the Middle East

Projects that are being prepared in deep secrecy from mere mortals usually become known on the sidelines of large economic forums. So, at SPIEF-23 in St. Petersburg, it turned out that the Russian government has plans to create Islamic banking in the country. It does not work quite like (or rather, not at all) like classic financial structures.

The economic forum announced the creation of a financial institution for the Middle East

The secret on the sidelines of the St. Petersburg forum was revealed by Anatoly Aksakov, head of the State Duma committee on the financial market. It is expected that the law on Islamic banking will be adopted by the deputies in the spring session. But at the same time, the start of the experiment, which will last two years, will not be shelved — it will start in two and a half months, on September 1. And it will take place in four Russian regions where the majority of Muslims live: Dagestan, Chechnya, Bashkortostan and Tatarstan.

Banks, microfinance organizations, consumer credit cooperatives located on the territory of these entities will be able to take part in the experiment.

Why are Islamic investors not particularly in a hurry to invest their capital in ordinary Russian banks? Not everyone knows, but Islam has its own principles that financiers do not want to compromise. In particular, according to Islamic laws, it is forbidden to collect interest in the form of loan interest, to finance any activity related to the production of tobacco products, alcohol, weapons, ammunition, including trade in these goods.

According to the deputy, potential Russian Many Muslim countries, including Turkey, Indonesia and Malaysia, have become interested in the financial instrument.

It is believed that the Islamic type of investment for our economy is preferable to the classical one. And soon we will be able to check it.

According to financial analyst Sergei Drozdov, the Islamic bank is a purely ethnic story. Russia is a multinational power, we have a fairly large number of deeply religious Muslims. They do not drink or smoke and follow strict Islamic rules. The bank, first of all, is created for such a group of the population, for their comfort. But this is a «niche» topic. According to the analyst, the Islamic bank can raise funds in the region of $11 billion.

— For our economy, this amount is very modest, — he says. — There are businessmen in Russia who have more fortunes. It is unlikely that something super-significant will be made from this project. And even more so to bring it to the level of, for example, our main credit structures in attracting customers, all the more so.

— The main difference between an Islamic bank and a classical one is that, according to Sharia law, a person is forbidden to take interest on a deposit, — says the candidate of economic sciences. — The bank's activities with customers are portrayed as partnerships. A person makes a contribution, he is invested in some project — and the investor becomes a partner. Already on these conditions, he divides the profit and receives dividends.

— As a rule, the market more or less equalizes, and in the end, the investor's income will be approximately the same as in the usual bank. Only in Islam there is a religious and ideological component.

The question of creating such a financial structure has been raised in Russia for a long time, the expert continues: «Fifteen years ago, my students wrote essays on this topic. Now it is becoming especially in demand, since we «We are actively developing relations with the countries of the Middle East and other Muslim powers. Accordingly, there should be banks that can work with such clients. In addition, Russia has a fairly high percentage of the Muslim population.»

< p> — I believe that not only. The main thing is that a person accepts the rules of the game. Division according to religious principle is absolutely useless.

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