2022 International Conference on Sustainable Islamic Business and Finance (SIBF)最新文献

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ABCD technology- AI, Blockchain, Cloud computing and Data security in Islamic banking sector* ABCD技术-伊斯兰银行业的人工智能、区块链、云计算和数据安全*

2022 International Conference on Sustainable Islamic Business and Finance (SIBF) Pub Date : 2022-10-11 DOI: 10.1109/SIBF56821.2022.9939683

Srishti Swain, Saikat Gochhait

{"title":"ABCD technology- AI, Blockchain, Cloud computing and Data security in Islamic banking sector*","authors":"Srishti Swain, Saikat Gochhait","doi":"10.1109/SIBF56821.2022.9939683","DOIUrl":"https://doi.org/10.1109/SIBF56821.2022.9939683","url":null,"abstract":"The banking system gives the groundwork of current business. A well-working financial system is essential to an advanced economy, and banks fill significant roles for society. They should subsequently be secure. Artificial intelligence (AI) is steeply affecting innovation and skill. The financial industry is without a doubt to be the one to take on Artificial Intelligence. The Islamic banking sector is adopting this technology to evaluate vulnerabilities, perceive and prevent payment fraud, further develop against anti-money laundering (AML) processes, and play out extra administrative know-your-client (KYC) checks. Blockchain technology is centre, basic innovation with promising application possibilities in the banking industry. This could enable associations to settle and screen transactions more effortlessly than conventional methods like those of SWIFT. The emergence of cloud computing has modified the part that the Internet plays in a range of associations and organizations. Banks are slowly attempting to embrace cloud technologies to meet their varied prerequisites and to produce a versatile and light financial environment competent of rapidly response to arising business needs. For banks, physical and digital security along-with clients own data are vital to guaranteeing that banks can keep the cash and personal information they are entrusted with and the people who consistently are available in the establishment safe. Although these technologies have rapidly evolved and has the potential to revolutionise the banking industry. Some of these are fairly new concept and are therefore users should be aware of considerable risks and challenges linked with it. Thus, a systematic literature review was conducted to examine the challenges associated with these technologies, along-with the suggested solutions to mitigate them or lessen them.","PeriodicalId":103733,"journal":{"name":"2022 International Conference on Sustainable Islamic Business and Finance (SIBF)","volume":"88 10","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-10-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"113982988","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Qard Hasan Based Cooperative Model for Home Financing and Its Effects in Home Ownership and Real Estate Development 基于Qard Hasan的住房融资合作模型及其对住房所有权和房地产开发的影响

2022 International Conference on Sustainable Islamic Business and Finance (SIBF) Pub Date : 2022-10-11 DOI: 10.1109/SIBF56821.2022.9940024

M. Selim, M. Rabbani, Abu Bashar

{"title":"Qard Hasan Based Cooperative Model for Home Financing and Its Effects in Home Ownership and Real Estate Development","authors":"M. Selim, M. Rabbani, Abu Bashar","doi":"10.1109/SIBF56821.2022.9940024","DOIUrl":"https://doi.org/10.1109/SIBF56821.2022.9940024","url":null,"abstract":"The present study aims to explore how Qard-Al-Hasan based interest free, debt free, ethical, and wonderful cooperative model can be employed for financing homes for the cooperative members. The study is based on theoretical, mathematical, and multiple regression model where partial derivatives are applied for evaluating the effects and contributions of each of the explanatory variables on the dependent variables. The findings of this study suggest that if the Qard-Al-Hasan based cooperative members are honest, sincere, dedicated and committed, then they will be able to mobilize more and more Qard-Al-Hasan funds which can be used to mitigate their homelessness problems. The poor cohort of population have little access to banking and credit facilities and therefore, they are often out of the monetized sectors of the economy. This Qard-Al-Hasan based cooperative model provides comprehensive financial supports for such disadvantaged cohort of population. The findings also suggest that the Qard-Al-Hasan based cooperative members will also devote themselves in halal business activities and thus will be able to continuously mobilize financial resources which are expected to make it easier for owning homes for all cooperative members. This study also proposes to form Qard-Al-Hasan revolving funds from which each member will be able to borrow and lend Qard-Al-Hasan funds without Riba and thus will never face any shortages and deprivation of financial resources. This study also suggests the cooperative members to engage in real estate development and property management activities which will provide plenty of Qard-Al-Hasan fundings on continuous basis and thus will further facilitate the process of home ownership in Qard-Al-Hasan based cooperative model.","PeriodicalId":103733,"journal":{"name":"2022 International Conference on Sustainable Islamic Business and Finance (SIBF)","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-10-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133113192","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

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