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The Role of the Participatory Depositor in the Governance of Islamic Banks

机译:参与性存款人在伊斯兰银行治理中的作用

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The aim of this paper is to verify whether participatory depositors, a special category of stakeholder that entrusts its savings to the Islamic Bank on the basis of the Profit and Loss Sharing principle, could be better protected by providing for them to be represented in the governance bodies of the Bank. The analysis that was carried out and consideration of potential risks this category of saver could be exposed to shows the need to ensure greater protection to participatory depositors compared to other stakeholders. Three working hypotheses on the protection method to be applied are formulated. The study was carried out on the basis of a comparative analysis of four case studies from Malaysia, Morocco, Germany and Italy respectively. The performed analysis has led to the conclusion that the representation of participatory depositors should be provided in specific corporate governance committees.
机译:本文的目的是验证参与性存款人是否可以通过规定其在治理中的代表地位而得到更好的保护,参与性存款人是利益相关者的特殊类别,可以根据损益分享原则将其存款委托给伊斯兰银行。银行机构。进行的分析以及对这类储蓄者可能面临的潜在风险的考虑表明,与其他利益相关者相比,有必要确保为参与性存款人提供更大的保护。提出了三种适用的保护方法的假设。该研究是在对分别来自马来西亚,摩洛哥,德国和意大利的四个案例研究进行比较分析的基础上进行的。进行的分析得出的结论是,应在特定的公司治理委员会中提供参与性存款人的代表。

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