رؤية مقاصدية في إدارة السيولة النقدية بالمصارف الإسلامية

Abstract

Islamic banks and financial institutions focus their liquidity management on two main areas: first, on how to attract and mobilize funds, and second, on how to manage the use and employment of these funds. Both areas require secondary markets where financial instruments can be traded, as liquidity management would be meaningless without a market capable of investing surplus funds by purchasing financial instruments or liquidating and selling these instruments to obtain cash liquidity when needed, especially in cases of cash deficits. This highlights the importance of Islamic financial markets in liquidity management, as well as the significance of using Islamic Sukuk (instruments) as an effective mechanism for liquidity management in Islamic banks. All of this operates within established Shariah guidelines and a Maqasidic vision that ensures the activation of the entire banking activity. The Maqasidic (objectives-based) approach in Shariah interacts flexibly with contemporary banking developments and applications without compromising the fundamental principles of Shariah, while also achieving economic efficiency in performance.

Keywords

• objectives- based
• cash liquidity management
• islamic banks
• islamic instruments