دور تنويع أدوات التمويل الاسلامي في تعزيز الشراكات الاستثمارية

Abstract

"This study addresses the role of diversifying Islamic financing instruments in enhancing investment partnerships, focusing on understanding the relationship between the variety of these instruments and their effectiveness in supporting partnerships in contemporary contexts. Despite the noticeable growth in the Islamic finance sector and the availability of numerous financing tools, the contribution of these instruments to supporting investment partnerships remains limited due to regulatory challenges, lack of awareness, and institutional expertise gaps. The study relied on a descriptive-analytical approach, gathering and analyzing information from various scientific sources such as books, articles, and previous studies, in addition to reviewing practical models from different countries that have adopted Islamic finance in partnership projects. The study did not include field research or statistical data collection.

The results showed that diversifying Islamic financing instruments provides flexible and Sharia-compliant financing alternatives that significantly contribute to enhancing various investment partnerships, whether individual, institutional, or between the public and private sectors. However, there are regulatory and knowledge-based obstacles that negatively affect the full activation of these instruments. Accordingly, the study presented a set of recommendations aimed at developing legal and institutional frameworks and raising awareness of the importance of diversifying Islamic financing tools to support investment partnerships, thereby contributing to sustainable economic development. "