Source of Funds

Islamic banks which consist of their own capital and equity will also rely on two other main sources of funds. The first is transactional deposits which are mainly risk-free and provide no return. The second is the investment deposits which carry the risk of loss in capital for the investments made. There are a total of four main types of deposits. For further details see: ISRA, Islamic Financial System; Principles and Operations.

Deposit Funds

A current deposit account is a form of demand deposit that offers users safe-keeping of their cash deposits, and the choice to be paid in full upon demand.

Can the Lessor Invest the Tenant’s Security Deposit?
Can High Net-Worth Accountholders Be Promised Special Privileges?
Can the Bank Impose Charges on Withdrawals from a Current Account?
Can the Bank Impose Restrictions on Withdrawals from a Current Account?
Changing a Check in a Foreign Currency; What Day’s Price Should Be Recorded?
Using Current Account Deposit as Pawn
Can an Islamic Bank Charge a Customer for Writing a Bounced Check?
Can an Islamic Bank Provide Aid to Certain Clients in Return for Keeping Accounts with the Bank?
RESOLUTION No. 86/3/95: "BANK DEPOSITS (Bank Accounts)"
Resolution No. 83: Amānah (Safekeeping) Precious Metals Accounts
Resolution No. 149: The Corporation usage/disposal of (inactive) small-balance accounts with the guarantee of such accounts
Can an Islamic Bank Sequester Funds in the Account of a Customer Who Applies to Open an L.C.?
قرار رقم 143 (1/16) بشأن زكاة الحسابات المقيدة وشركات التأمين الإسلامية والتأمينات النقدية ومكافآت نهاية الخدمة
الجوائز النقدية أوالعينية
الجوائز النقدية أو العينية على الحسابات
الحسابات الجامدة (غير المتحركة)
تقاضي البنك مصاريف من العميل لفتح الحساب الجاري وإمساكه
توزيع جوائز للحسابات الجارية والادخارية
Wadiah And Mudharabah Current Account
Transferring The Balance Of Certain Current Accounts To Savings Accounts
Can Money in a Current Account Be Used as Security for a Debt?
What is the Rule When an Unrestricted Investment Deposit Holder Wants to Withdraw His Deposit before the End of the Deposit Period?

Term Deposit is a type of arrangement where the customer's deposits are held at a bank for a fixed term. These deposits will then be deposited to a number of investment pools where it will be invested in business activities which are in accordance to the Shari'ah. The money deposited in a term deposit can only be withdrawn at the end of the term as stated in the contract or by giving a predetermined number of days as notice.

Can an Islamic Bank Let Companies That Deal With Usury Have Current Or Investment Accounts?
RESOLUTION No. 86/3/95: "BANK DEPOSITS (Bank Accounts)"
Investment Deposit Account As Pawn in Murabaha Financing
قرار رقم 143 (1/16) بشأن زكاة الحسابات المقيدة وشركات التأمين الإسلامية والتأمينات النقدية ومكافآت نهاية الخدمة
الجوائز النقدية أو العينية على الحسابات
انخفاض قيمة العملة
أرباح الودائع بالعملة الصعبة
استثمار البنك ودائع العملاء بالعملة الصعبة وردها بالعملة نفسها
الحسابات الجامدة (غير المتحركة)
(كسر الوديعة (التخارج
حساب فترة الوديعة الاستثمارية
الأرباح من وديعة الاستثمار
العائد على ودائع الاستثمار
عمل وديعة مخصصة من دون خلطها بأموال المصرف
أرباح المضاربة في حالة سحب الوديعة قبل انقضاء مدة المضاربة
توزيع الجوائز النقدية لودائع الاستثمار
توزيع الأرباح الناتجة عن عملية الاستثمار
When Does an Agent Record the Profit from Murabahah on Behalf of His Principal?
Special Investment Account
Can an Investment Deposit be Used as Security for a Deferred Payment Sale?
What is the Rule When an Unrestricted Investment Deposit Holder Wants to Withdraw His Deposit before the End of the Deposit Period?

The Shariah Advisory Council of Bank Negara Malaysia (the SAC) 155th Meeting
RESOLUTION No. 86/3/95: "BANK DEPOSITS (Bank Accounts)"
Is an Islamic Bank Responsible for the Source of the Funds by Which the Debt Owed to It Is Repaid?
RESOLUTION No. 76/7/8: PROBLEMS OF ISLAMIC BANKS
فتح حساب مشترك بالتضامن بين طرفين تجمعهم علاقة نسب
إعطاء الموظفين قروضًا حسنة أو تمويلهم بربح أقل

Investment Funds


Leasing Fund: Calculating Zakah
Can an Islamic Bank Let Companies That Deal With Usury Have Current Or Investment Accounts?
Providing Customers No-Interest Loans to Trade Currency for Profit
The Owner of an Investment Deposit Account Relinquishes His Account to Other Depositors for an Agreed Price
What to Do with Profits from Investment Accounts Closed by Their Owners when the Old Address Is not Valid?
Can an Islamic Bank Fund Recreational Activities for Its Workers Using Depositor or Shareholder Funds?
The Shariah Advisory Council of Bank Negara Malaysia (the SAC) 135th Meeting
RESOLUTION No. 86/3/95: "BANK DEPOSITS (Bank Accounts)"
How to Treat an Overdraft on an Investment Account?
Investment Deposit Account As Pawn in Murabaha Financing
قرار رقم 143 (1/16) بشأن زكاة الحسابات المقيدة وشركات التأمين الإسلامية والتأمينات النقدية ومكافآت نهاية الخدمة
احتياطي معدل الأرباح
دفع ضريبة عن مخصص مخاطر الاستثمار وقيدها على حساب الرصيد المتجمع في حساب مخاطر الاستثمار
دفع الزكاة عن أرباح أموال المساهمين أو الاحتياطيات
استثمار أموال البنك في الأسهم والعقارات
حساب فترة الوديعة الاستثمارية
الأرباح من وديعة الاستثمار
Can an Investment Deposit be Used as Security for a Deferred Payment Sale?
Does Profit-and-Loss Sharing Apply to the Shareholders’ Reserve Funds?
What is the Rule When an Unrestricted Investment Deposit Holder Wants to Withdraw His Deposit before the End of the Deposit Period?

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