{ "access": { "embargo": { "active": false, "reason": null }, "files": "public", "record": "public", "status": "open" }, "created": "2018-11-04T04:56:01.589794+00:00", "custom_fields": { "journal:journal": { "issue": "5", "pages": "49-57", "title": "SEISENSE Journal of Management", "volume": "1" } }, "deletion_status": { "is_deleted": false, "status": "P" }, "files": { "count": 1, "enabled": true, "entries": { "Idrees.pdf": { "checksum": "md5:3f545bfdbb34bbd9e329f4c2dbb2f520", "ext": "pdf", "id": "7e3c42e5-8f36-487f-8789-ec14aacad7ac", "key": "Idrees.pdf", "metadata": null, "mimetype": "application/pdf", "size": 580445 } }, "order": [], "total_bytes": 580445 }, "id": "1474664", "is_draft": false, "is_published": true, "links": { "access": "https://zenodo.org/api/records/1474664/access", "access_links": "https://zenodo.org/api/records/1474664/access/links", "access_request": "https://zenodo.org/api/records/1474664/access/request", "access_users": "https://zenodo.org/api/records/1474664/access/users", "archive": "https://zenodo.org/api/records/1474664/files-archive", "archive_media": "https://zenodo.org/api/records/1474664/media-files-archive", "communities": "https://zenodo.org/api/records/1474664/communities", "communities-suggestions": "https://zenodo.org/api/records/1474664/communities-suggestions", "doi": "https://doi.org/10.5281/zenodo.1474664", "draft": "https://zenodo.org/api/records/1474664/draft", "files": "https://zenodo.org/api/records/1474664/files", "latest": "https://zenodo.org/api/records/1474664/versions/latest", "latest_html": "https://zenodo.org/records/1474664/latest", "media_files": "https://zenodo.org/api/records/1474664/media-files", "parent": "https://zenodo.org/api/records/1474663", "parent_doi": "https://zenodo.org/doi/10.5281/zenodo.1474663", "parent_html": "https://zenodo.org/records/1474663", "requests": "https://zenodo.org/api/records/1474664/requests", "reserve_doi": "https://zenodo.org/api/records/1474664/draft/pids/doi", "self": "https://zenodo.org/api/records/1474664", "self_doi": "https://zenodo.org/doi/10.5281/zenodo.1474664", "self_html": "https://zenodo.org/records/1474664", "self_iiif_manifest": "https://zenodo.org/api/iiif/record:1474664/manifest", "self_iiif_sequence": "https://zenodo.org/api/iiif/record:1474664/sequence/default", "versions": "https://zenodo.org/api/records/1474664/versions" }, "media_files": { "count": 0, "enabled": false, "entries": {}, "order": [], "total_bytes": 0 }, "metadata": { "creators": [ { "affiliations": [ { "name": "Federal University Kashere, Gombe Nigeria" } ], "person_or_org": { "family_name": "Idrees Yahaya Adamu", "name": "Idrees Yahaya Adamu", "type": "personal" } } ], "description": "
This study explores the idea of Islamic banks requesting for collateral or guarantee when financing, the rationale for requesting loan security, and its acceptability from Islamic perspectives. The study reviewed the previous literature and Islamic injunctions to study and justify the use of collateral and guarantor to hedge the risk of financing default. It is found that Islamic banks like conventional banking system encourage requesting loan security to ensure borrowers’ commitment and protect investors’ wealth. Despite its effect on loan rejection, secured loans are found to be recovered more easily than unsecured loans. Government and Islamic banks are therefore advised to device mean for helping small-scale businesses to access financing, through credit guarantee schemes and participatory financing mechanisms, to enhance financial inclusion.
", "languages": [ { "id": "eng", "title": { "en": "English" } } ], "publication_date": "2018-11-01", "publisher": "Zenodo", "resource_type": { "id": "publication-article", "title": { "de": "Zeitschriftenartikel", "en": "Journal article" } }, "rights": [ { "description": { "en": "The Creative Commons Attribution license allows re-distribution and re-use of a licensed work on the condition that the creator is appropriately credited." }, "icon": "cc-by-icon", "id": "cc-by-4.0", "props": { "scheme": "spdx", "url": "https://creativecommons.org/licenses/by/4.0/legalcode" }, "title": { "en": "Creative Commons Attribution 4.0 International" } } ], "subjects": [ { "subject": "Collateral" }, { "subject": "Guarantor" }, { "subject": "Islamic banks" }, { "subject": "Financing" }, { "subject": "Lending" } ], "title": "Idea of Collateral and Guarantor in Islamic Bank Financing", "version": "1" }, "parent": { "access": { "owned_by": { "user": 44929 } }, "communities": { "default": "04def96a-76a5-4d33-9a4f-e3e9a5c70db4", "entries": [ { "access": { "member_policy": "open", "members_visibility": "public", "record_policy": "open", "review_policy": "open", "visibility": "public" }, "children": { "allow": false }, "created": "2018-04-14T11:37:21.040653+00:00", "custom_fields": {}, "deletion_status": { "is_deleted": false, "status": "P" }, "id": "04def96a-76a5-4d33-9a4f-e3e9a5c70db4", "links": {}, "metadata": { "curation_policy": "Articles which are published in SEISENSE JOM are included in this community.
\r\n", "page": "SEISENSE Journal of Management (JOM) peer-reviewed and published as Bi-Monthly (six issues in a year), is committed to publishing scholarly empirical and theoretical research articles that have a high impact on the management field as a whole. SEISENSE JOM covers domains such as
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