التنــظيم القانـوني لعـــقد الادخــار (دراســــة مقارنـــــة)

RP-Legal regulation of the savings contract(A comparative study) .pdf

The banking instructions are constantly evolving and renewable according to the development of society and its need for them, and the methods of saving were old in their simple form and often in the form of saving in kind such as saving crops, precious metals or livestock and others, but with the passage of time and due to the great developments that the world is witnessing and what is called today globalization that affected the Various social, economic and political sectors, and this is what made banks an effective, important and vital role and became indispensable.Savings methods developed and savings became made through many savings vessels through the bank or financial institution. On the savings vessels, with the assumption that there may be determinants of the savings contract and the existence of controls and factors that determine the conclusion of the savings contract in both types: compulsory savings, which is imposed by the authority through a law or by imposing it on employees in the company or institution for health or retirement insurance, or for another future matter, and we often notice it In professional syndicates and others, and voluntary monetary saving that takes many forms and is carried out according to methods followed by the laws of A Optional savings are taken in the form of cash deposits in their entirety and their types, such as term deposits, demand deposits, deposits for a specific purpose, savings deposits, etc.We note that saving, according to the development of its methods, has become through cash savings, not in-kind, as it was previously, and this means that banks need effective control, and that the supervision that is practiced on Islamic banks is the same that is practiced on other banks. The savings contract and what it represents is an important stock in investment or financing operations, as the main problem for most countries is a result of the low volume of investments in them, and in order for these countries to achieve development, this depends on their ability to increase investment rates, but savings operations may face many challenges, which are It represents part of the problem of the study, and among these challenges are economic factors, religious factors, and the practical reality,the difficulties, pressures and disorganization produced by banks, which attracts the customer to aversion to the. In order to identify the problem of the study, there must be a legal study covering all aspects of this subject, as well as submitting suggestions. We hope that the Iraqi legislator will take it into consideration.