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Formation des Imams à la Finance Islamique aux Etats Unis

100 leaders religieux ont suivi 2 mois de formation à la Finance Islamique.

Que faut il pour amener 7 millions de Musulmans Américains à la Finance Islamique ? Former 100 imams aux principes et à la pratique de la finance halal est un premier pas vers cet objectif, que les fondateurs de l’American Islamic Finance (AIF) Project ont accompli avec succès en 2011. Fondé conjointement par Ethica Institute of Islamic Finance, Guidance Financial, et Islamic Society of North America, le projet AIF vise à promouvoir la finance conforme aux standards islamiques parmi les communautés musulmanes d’Amérique du Nord.

Le programme de formation a démarré avec un discours inaugural de Mufti Taqi Usmani, président de l’AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions), principale organisation internationale de normalisation de l’industrie de la finance islamique. Selon le représentant d’Ethica Institute, "les musulmans américains s’adressent à leurs imams pour toute sorte d’informations.  En fournissant à ces imams une formation directe dans l’application pratique de la finance islamique, Ethica Institute les dote d’une compréhension des normes globales de cette industrie."

Le programme de formation des imams proposé par Ethica Institute vise à devenir annuel. Ce programme comporte des sessions de formations en ligne (e-learning), des études de cas, des exercices, des examens, ainsi que des sessions intensives de formation conventionnelle en classes de cours. Les banques ayant moins recours à la formation conventionnelle au profit de la formation en ligne, la formation en finance islamique est désormais plus accessible au niveau international.

RIBH

Read also : More Americans attracted by Islamic home financing

Ethica Institute of Islamic Finance        

With over 20,000 paid users in more than 40 countries in 2011, Ethica is the world’s leading accredited Islamic finance training and certification institute, with more learners than any other Islamic finance organization in the world. Ethica remains the only institute in the world to deliver standardized certification based entirely on the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI), the leading standard-setting body in the industry.

Guidance Residential                                                  

Guidance is the leading US provider of Sharia-compliant home financing with over $2 billion in home financings. It is a subsidiary of Guidance Financial Group, an international company dedicated to serving the market for Sharia-compliant financial products and services. Guidance Financial Group offers unique investment products to institutional investors and financial intermediaries worldwide, and provides financial services to its retail customer base in the United States.

Islamic Society of North America

ISNA is an association of Muslim organizations and individuals that provides a common platform for presenting Islam, supporting Muslim communities, developing educational, social and outreach programs and fostering good relations with other religious communities, and civic and service organizations.

 
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Publié par le août 2, 2011 dans America - Canada, USA

 

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More Americans attracted by Islamic home financing

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Interest in Islamic finance is growing beyond the American-Muslim community because the recession has forced more people to question the nature of conventional debt and interest, said Hussam Qutub, a spokesman for Guidance Residential, an Islamic mortgage company based in Virginia, USA.

Guidance Residential, undertakes stringent checks of loan applicants’ finances, including income, savings and liabilities to make sure they can afford the mortgage. “Our conservatism has kept us out of the current financial mess,” says Hussam Qutub. By contrast, during the property boom years up until two years ago, other companies issued loans to low-income residents who relied on rising real estate values as collateral in what became the “sub-prime” crisis. Millions of US residents are now struggling with loans worth far more than their homes are worth, or are being foreclosed on after non-payment.

Guidance Residential has provided more than $1.5 billion in home financing to at least 6,000 customers in 23 states since it launched seven years ago. The company accounts for around half of the US market share of Islamic mortgages. Competitors include Lariba American Finance House in California and University Bank in Michigan.

Delinquencies, where borrowers fall behind on payments, accounted for less than half the national rate of 7.8 per cent at the end of last year. The company has only served about five foreclosure notices because the majority of its clients only took on liabilities that they could afford. By comparison, a record number of foreclosure actions started nationally in the first three months of this year, up 27 per cent from the same quarter last year, the Mortgage Bankers Association said last week.

“We have to give credit to the American Muslim community, who are conservative in the way they handle money and make sure to have savings for times of financial hardship,” Mr Qutub said. “We really take our hat off to the community.”

Under Islamic law, Muslims are prohibited from riba, often translated as interest, and are encouraged to make financial transactions tied to concrete goods or services rather than make money out of money. Guidance Residential’s mortgage model requires the company to take an ownership stake in the home along with the customer, who pays a rental fee as well as monthly payments to buy the company’s share in the home.

If a customer falls behind on payments, the company charges a $50 fee, rather than the compound interest usually imposed by traditional companies. If a home is foreclosed, losses are borne according to the ownership stakes of the customer and company, which does not then pursue the customer to regain its financial stake.

Some critics say a rental fee is akin to interest on a mortgage loan. But according to a customer, it was the joint ownership contract that made him feel religiously comfortable with the product, just as a legal contract distinguishes and defines marriage from other partnerships.

New York, Sharmila Devi Foreign Correspondent, The National, June 01. 2009
Syndication : RIBH

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Publié par le juin 2, 2009 dans USA

 

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