معالجة الديوف المتعثرة عن طريق شركات تحصيل الديوف: دراسة فقهية مقارنة

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Bad debts in banks and growing file of banking default in banks play an important role in the emergence of companies' debt collection. These companies buy the debt, or take charge of the its value after the its collection. This study attempts to discuss the ruling of such a debt in the light of Islamic jurisprudence. It also highlights on issues related to a company or agency involved in the business of recovering money which is owed on delinquent accounts. In an attempt to carry out this study, inductive and analytical approaches have been applied so as to trace the views of classical and contemporary scholars on this same issue. Ultimately, the research has found that taking percentage out of the total amount collected is allowed or lawful. It has also found that selling the debt in cash in exchange for present goods or shares is allowed. While selling the price of debt less than the value of the debt of the same kind if the conditions shall be met for the permissibility should not be debt employed from usurious varieties.

Key words: Bad debt. Collection. Commission. Selling

Al Hijaz International Refereed Journal for Islamic & Arabic Studies. (April 2016) 151-176 (Open Access)

http://alhijaz-international-journal.com/ar/admin/uploads/files/issues/15/6.pdf


 

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