Thursday, June 23, 2016
இஸ்லாம் தீர்வை சொல்கிறது - வில்லியம் பூடர்!
பிரபல பொருளாதார நிபுணர் (எகனாமிஸ்ட்) வில்லியம் பூடர் கடன் சம்பந்தமாக எழும் பல பிரச்னைகளுக்கு இஸ்லாம் தீர்வை கொடுப்பதாக சொல்கிறார்.
Few economists would look to religion for the solution to a growing household debt problem, but Willem Buiter says Islamic finance is an unlikely future source of much needed innovation.
"A classic Islamic mortgage is a dual equity mortgage where the bank owns the house to begin. I buy the house from the bank with two payment streams. One is a rental stream related to the [rental] market. As long as I keep up that payment I won't be affected," he says.
"But the second is discretionary: for example you buy 5 per cent from the bank each year.".
"Stanford University does this. It's too expensive for an assistant professor to buy a house [in Palo Alto, California] so they go 50-50 with the university. If you make tenure you buy out Stanford and if you don't they buy you out. So it turns into equity."
The Islamic mortgage is a rare example, Buiter says, of "good financial engineering" rather than attempting to avoid paying tax or skirting regulation.