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Bank Islam Malaysia Berhad (Jawi: بڠك اسلام مليسيا برحد ) is an Islamic bank based in Malaysia. It was established in July 1983. [ 1 ] Bank Islam was established primarily to address the financial needs of the country's Muslim population and extended its services to the broader population.
Bank Islam Brunei Darussalam (BIBD) is the main Islamic financial institution and the largest bank in Brunei. [1] With the biggest network of branches and ATMs strategically placed throughout Brunei's four districts , BIBD has its headquarters situated in Bandar Seri Begawan .
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According to Feisal Khan, "virtually every" Islamic banking advocate argues that these "non-non-participatory" forms of finance are acceptable only as "an interim measure" as Islamic banking develops, or for situations such as small and personal loans where participatory financing is not practical. [50]
The bank, in an effort to secure its loan, will place a lien (a charge) on the property, so that if the borrower does not repay the loan, the bank gets the right to foreclose on the borrower's right to hold title and have the title be transferred to the bank (or the house be auctioned and the proceeds received by bank).
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Ownership of the goods lies jointly between the bank and the client jointly; the client makes payments in installments, with the balance owned by the bank as mortgage. In the meantime, the client is authorized to possess and use the goods. Once all the installments have been paid, the goods become the client's property alone. [1] [2] [3]