4. Kokkuvõte


Islami finantsteenuste kasv viimastel kümnenditel kogu maailmas ja eriti viimastel aastatel ka Euroopa Liidus väärivad tähelepanu – šariaga kooskõlas olevate finantsteenuste tundmine ja nende käibe soodustamine aitavad mitmekesistada majanduskeskkonda, suurendades selle vastupanu võimalikele kriisidele. Ühendatud Kuningriigis islami finantsteenuste pakkujate litsentseerimise ja järelevalve kogemused on andnud huvitavat informatsiooni meile tavapäraste ja islami finantsteenuste omavahelise võrdluse kohta, selgitanud erinevusi ja sarnasusi. EL finantsteenuseid reguleerivate õigusaktide alusel on võimalik islami finantsteenuste võimalikku levikut asutamisvabaduse ja teenuste pakkumise abil ka teistesse liikmesriikidesse, kus islami finantsteenuste pakkujate litsentseerimiseks valmis ei olda. Islami finantsteenuseid vastavuse osas šariale on eriarvamusi ka šaria õpetlaste seas, millest tulenevalt tegelevad islami finantsteenuste standardiseerimisega mitmed organisatsioonid islamimaades, kui ka Euroopa Liidus. Kuivõrd finantsteenuste kättesaadavusel on ka oluline sotsiaalne roll, ei ole tähtsusetu ka islami finantsteenuste ühiskondlik tähendus.

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