Customer Care

摘要

International financial regulators are concerned that Islamic bank customers are less well protected than those of conventional financial institutions. Yet analysis shows that this is far from the case.The proper application of Shari'ah principles, along with regulatory and commercial pressure, provides equally effective investor protection. The regulators' fear is that depositors could see the value of their funds reduced when the bank is not profitable. Although commercial pressures have forced most Islamic financial institutions to guarantee the customer's capital and pay a reasonable return, even in years when profits have been insufficient, regulators still argue that there is a potential negative impact on financial stability.