Alif Consulting & Trade PLC Islamic Banking Finance Education Center

Islamic finance to become a $6.7t industry by 2027: LSEG Malaysia and Indonesia are amongst the world’s top Islamic finance markets. The global Islamic finance industry is on the right path to grow into a $6.7t industry by 2027, according to a 2024 report by the London Stock Exchange Group (LSEG). The industry’s assets grew by 11% to $4.5t in 2022, slowing from a 17% rise in 2021 amidst “economic headwinds”, the LSEG reported.  This comes as Islamic financial institutions and activities reported lower metrics during the period. As of 2022, almost 1 in 4 Islamic bank reported lower profits or higher losses. Islamic banks held $3.2t in assets as of end-2022. Islamic funds also declined significantly. Most Islamic funds in most markets–both mutual funds and exchange traded funds (ETFs)–reportedly posted negative growth in 2022. Assets under management dropped by 10% from 2021 to $220b, whilst the number of new Islamic funds declined significantly from 223 in 2021 to 71 in 2022. There are bright spots, however. ESG Sukuk is expected to grow in the coming years, with several governments reportedly indicating their intent to rebuild their economies more sustainably, LSEG said. Total sukuk issuance reached $214.9b in 2023, up 9.9% from 2022. This is ESG sukuk’s seventh consecutive record year since market inception in 2017, LSEG noted. ESG sukuk issuance rose by 42% to $13.4b in 2023. Green sukuk issuance made up 58.1% of the total in 2023. The Islamic sustainable finance is also expected to continue being highlighted thanks to the United Arab Emirates hosting COP28 in November and December 2023. The industry is also seeing increased efforts towards developing knowledge and awareness of Islamic finance. For example, Indonesia is implementing a diversity of means towards raising awareness for Islamic finance as part of its regulators’ national strategy for financial literacy. Amongst 136 markets studied by LSEG, Malaysia, Saudi Arabia and Indonesia were named the most developed Islamic finance jurisdictions.

እስላማዊ ፋይናንስ ክሳብ 2027 $6.7t ኢንዱስትሪ ክኸውን እዩ፡ LSEG ማሌዥያን ኢንዶነዥያን ካብተን ላዕለዎት ዕዳጋታት እስላማዊ ፋይናንስ ዓለም እየን። ዓለማዊ ኢንዱስትሪ ፋይናንስ እስላም ኣብ 2027 ናብ 6.7 ቶን ዶላር ኢንዱስትሪ ንምዕባይ ኣብ ቅኑዕ መንገዲ ከምዘሎ ብ2024 ብጉጅለ ዕዳጋ ኣክስዮን ለንደን (LSEG) ዘውጽኦ ጸብጻብ ይሕብር። ንብረት ናይ’ዚ ኢንዱስትሪ ኣብ 2022 ብ11% ዓብዩ ናብ 4.5 ቶን ዶላር ከምዝበጽሐን፡ እዚ ድማ ካብቲ ኣብ 2021 ኣብ ሞንጎ “ቁጠባዊ ንፋሳት” ዝነበረ ናይ 17% ወሰኽ ከምዝዘሓለ LSEG ጸብጺቡ።  እዚ ዝኾነሉ ምኽንያት፡ እስላማውያን ፋይናንሳዊ ትካላትን ንጥፈታትን ኣብቲ እዋን ዝተሓተ መለክዒታት ኣብ ዝገለጹሉ ዘለዉ እዋን እዩ። ክሳብ 2022 ዳርጋ ካብ 4 እስላማዊ ባንክታት 1 ትሑት መኽሰብ ወይ ዝለዓለ ክሳራ ከምዘርኣየ ተገሊጹ። እስላማውያን ባንክታት ክሳብ መወዳእታ 2022 3.2 ቶን ዶላር ንብረት ነይርወን። እስላማዊ ገንዘብ እውን ብዓቢኡ ምንቁልቋል ኣርእዩ። መብዛሕትኦም እስላማዊ ፋንድታት ኣብ መብዛሕትኡ ዕዳጋታት–ክልቲኦም ናይ ሓባር ፋንድን ናይ ሸርፊ ንግዲ ፋንድን (ETFs)–ኣብ 2022 ኣሉታዊ ዕብየት ከምዘርኣዩ ይንገር።ኣብ ትሕቲ ምሕደራ ዝነበረ ንብረት ካብ 2021 ናብ $220b ብ10% ወሪዱ፣ ቁጽሪ ሓደስቲ እስላማዊ ፋንድታት ድማ ካብ 223 ኢን 2021 ክሳብ 71 ኣብ 2022። ድሙቕ ነጥብታት ግን ኣሎ። ኢኤስጂ ሱኩክ ኣብ ዝቕጽሉ ዓመታት ክዓቢ ትጽቢት ይግበር፡ ሓያሎ መንግስታት ቁጠባኦም ብዝያዳ ዘላቒ መንገዲ ዳግማይ ንምህናጽ ከምዘለዎም ከምዘመልክቱ ኤልኤስኢጂ ገሊጹ። ጠቕላላ ምውጻእ ሱኩክ ኣብ 2023 $214.9b በጺሑ፡ እዚ ድማ ካብ 2022 ብ9.9% ወሰኽ ኣርእዩ። እዚ ኣብ 2017 ዕዳጋ ካብ ዝጅምር ንደሓር ESG sukuk ንሻብዓይ ተኸታታሊ ክብረወሰን ዝሓዘ ዓመት ምዃኑ LSEG ኣመልኪቱ። ምውጻእ ሱኩክ ESG ኣብ 2023 ብ42% ወሲኹ ናብ $13.4b በጺሑ።ምውጻእ ሓምለዋይ ሱኩክ ኣብ 2023 ካብ ጠቕላላ 58.1% ኮይኑ። እቲ እስላማዊ ዘላቒ ፋይናንስ ሳላ ሕቡራት ኢማራት ዓረብ ኣብ ሕዳርን ታሕሳስን 2023 ን COP28 ዘአንግደትሉ ምኽንያት እውን ክቕጽል ትጽቢት ይግበር። እቲ ኢንዱስትሪ ፍልጠትን ንቕሓትን ኣብ እስላማዊ ፋይናንስ ንምምዕባል ዝዓለመ ጻዕርታት እውን ይርኢ ኣሎ። ንኣብነት ኢንዶነዥያ ከም ኣካል ናይቲ ተቖጻጸርታ ዝገብርዎ ሃገራዊ ስትራተጂ ንፋይናንሳዊ ትምህርቲ ንቕሓት ንእስላማዊ ፋይናንስ ንምዕባይ ዝተፈላለየ ኣገባባት ትትግብር ኣላ። ካብቶም ብLSEG ዝተጽንዑ 136 ዕዳጋታት፡ ማሌዥያ፡ ስዑዲ ዓረብን ኢንዶነዥያን፡ ዝማዕበሉ ናይ እስላማዊ ፋይናንስ ስልጣን ዘለወን ሃገራት ተባሂለን ተሰይመን።

Maaliyadda Islaamku waxay noqon doontaa warshad $6.7t ah marka la gaaro 2027: LSEG Malaysia iyo Indonesia ayaa ka mid ah suuqyada maaliyadeed ee Islaamka ugu sarreeya. Warshadaha maaliyadda islaamiga ah ee caalamiga ah waxa ay ku socdaan dariiqa saxda ah ee ay ugu koraan warshado dhan $6.7t marka la gaadho 2027, sida lagu sheegay warbixin 2024 ay soo saartay kooxda saamiyada saamiyada London (LSEG). Hantida warshadu waxay kortay 11% ilaa $4.5t sanadka 2022, iyada oo ka gaabinaysa kor u kac 17% ah 2021 iyada oo ay ku jirto "dabaylaha dhaqaalaha", LSEG ayaa werisay.  Tani waxay imaanaysaa iyadoo hay'adaha maaliyadeed ee islaamiga ah iyo dhaqdhaqaaqyada ay soo sheegeen cabbirro hoose intii lagu jiray muddadaas. Ilaa 2022, ku dhawaad ​​1 ka mid ah 4tii bangi Islaami ah ayaa soo sheegay faa'iido hoose ama khasaare sare. Bangiyada islaamiga ahi waxay haysteen hanti dhan $3.2t ilaa dhamaadka 2022. Lacagaha Islaamka ayaa sidoo kale aad hoos ugu dhacay. Inta badan lacagaha islaamiga ah ee inta badan suuqyada-labadaba sanduuqa wadaaga ah iyo lacagaha lagu sarifto lacagaha lagu sarifto (ETFs)–waxaa lagu soo waramayaa inay soo bandhigeen kobac taban sanadka 2022 2021 ilaa 71 ee 2022. Si kastaba ha ahaatee, waxaa jira meelo dhalaalaya. ESG Sukuk ayaa la filayaa inay koraan sanadaha soo socda, iyadoo dhowr dawladood la sheegay inay muujinayaan rabitaankooda ah inay dib u dhistaan ​​dhaqaalahooda si joogto ah, LSEG ayaa tiri. Wadarta guud ee bixinta sukuk waxay gaadhay $214.9b sanadka 2023, kor u kac 9.9% marka loo eego 2022. Tani waa rikoorkii toddobaad ee isku xiga ee ESG sukuk tan iyo bilowgii suuqa ee 2017, LSEG ayaa xustay. Soo saarista ESG sukuk waxay kor u kacday 42% ilaa $13.4b sanadka 2023. Soo saarista sukuk ee cagaarka ah ayaa ka dhigtay 58.1% wadarta guud ee 2023. Maaliyadda waarta ee Islaamka ayaa sidoo kale la filayaa in la sii iftiimiyo iyadoo ay ugu wacan tahay Isutagga Imaaraadka Carabta oo martigelinaya COP28 bilaha November iyo Disembar 2023. Warshadaha ayaa sidoo kale arkaya dadaallo badan oo dhanka horumarinta aqoonta iyo wacyigelinta maaliyadda Islaamka. Tusaale ahaan, Indonesia waxay hirgelinaysaa habab kala duwan oo kor loogu qaadayo wacyiga maaliyadda Islaamka taas oo qayb ka ah nidaamiyayaasheeda istiraatiijiyadda qaranka ee aqoonta maaliyadeed. Ka mid ah 136 suuq oo ay daraasad ku samaysay LSEG, Malaysia, Saudi Arabia iyo Indonesia ayaa lagu magacaabay dawladaha ugu horumarsan ee dhaqaalaha Islaamka.

Faayinaansii Islaamaa bara 2027tti indaastirii doolaara 6.7t ta'uuf: LSEG Maaleeziyaa fi Indooneeshiyaa gabaa faayinaansii Islaamaa addunyaa irratti sadarkaa olaanaa qaban keessaa tokko. Industiriin faayinaansii Islaamaa addunyaa bara 2027tti gara indaastirii doolaara miiliyoona 6.7tti guddachuuf daandii sirrii irra akka jiru gabaasni bara 2024 garee Birrii Istookii Landan (LSEG) ni mul’isa. Qabeenyi indaastirichaa bara 2022tti %11 guddachuun gara doolaara 4.5ttti kan ol guddate yoo ta’u, bara 2021tti “bubbee dinagdee” gidduutti %17 dabaluu irraa suuta jechuu isaa LSEG gabaaseera.  Kunis yeroo dhaabbileen faayinaansii fi sochiin Islaamaa yeroo sanatti meetirikii gadi aanaa gabaasanitti. Bara 2022tti baankii Islaamaa 4 keessaa 1 jechuun ni danda’ama bu’aa gadi aanaa ykn kasaaraa ol’aanaa gabaaseera. Baankonni Islaamaa hanga dhuma bara 2022tti qabeenya doolaara miiliyoona 3.2 qaban. Maallaqni Islaamaas haalaan gadi bu’eera. Irra caalaan fandii Islaamaa gabaa irra caalaan–fandiin waliinii fi fandii daldala jijjiirraa (ETF) lamaan isaanii–bara 2022tti guddina hamaa galmeessisuun isaanii gabaafameera.Qabeenyi bulchiinsa jala jiru bara 2021 irraa gara $220btti %10 gadi bu’eera, lakkoofsi fandii Islaamaa haaraa ammoo 223 in irraa haalaan gadi bu’eera 2021 hanga 71tti bara 2022tti. Tuqaaleen ifa ta’an garuu ni jiru. ESG Sukuk waggoota dhufan keessatti guddachuu akka danda’u kan eegamu yoo ta’u, mootummoonni hedduun dinagdee isaanii itti fufiinsa qabuun deebisanii ijaaruuf akka yaadan agarsiisuu isaanii LSEG ibseera. Waliigalaan sukuk baasuun bara 2023tti doolaara biiliyoona 214.9 kan gahe yoo ta’u, bara 2022 irraa %9.9 dabaleera. Kun erga bara 2017 gabaan jalqabee waggaa ESG sukuk’n waggaa torbaffaa walitti aansuun galmeesse ta’uu LSEG hubachiiseera. Qophiin sukuk ESG bara 2023tti %42 dabalee doolaara biiliyoona 13.4 ta’eera.Barri sukuk magariisaa bara 2023tti waliigala keessaa %58.1 ta’eera. Faayinaansii itti fufiinsa qabu Islaamaa kunis galata Yunaayitid Arab Emireets Adoolessa fi Muddee 2023 COP28 keessummeessuu isheetiin calaqqisiifamuu itti fufa jedhamee eegama. Industirichi beekumsaa fi hubannoo faayinaansii Islaamaa guddisuuf tattaaffiin taasifamu dabalaa jira. Fakkeenyaaf, Indooneezhiyaan qaama tarsiimoo biyyoolessaa regulators ishee kan dubbisuu fi barreessuu faayinaansii ta’ee faayinaansii Islaamaa hubannoo uumuuf mala adda addaa hojiirra oolchaa jirti. Gabaawwan 136 LSEGn qorate keessaa Maaleeziyaa, Sa’uudii Arabiyaa fi Indooneeshiyaa aangoo faayinaansii Islaamaa guddate jedhamanii filatamaniiru.

እስላማዊ ፋይናንስ በ2027 $6.7t ኢንዱስትሪ ይሆናል፡ LSEG ማሌዢያ እና ኢንዶኔዥያ ከዓለም ከፍተኛ የእስልምና ፋይናንስ ገበያዎች መካከል ናቸው። በ2024 የለንደኑ የስቶክ ልውውጥ ቡድን (LSEG) ባወጣው ዘገባ መሰረት የአለም ኢስላሚክ ፋይናንስ ኢንዱስትሪ በ2027 ወደ $6.7t ኢንዱስትሪ ለማደግ በትክክለኛው መንገድ ላይ ነው። በ2022 የኢንዱስትሪው ንብረት በ11% ወደ $4.5t አድጓል፣ይህም በ2021 ከነበረው የ17% እድገት ቀንሷል ሲል LSEG ዘግቧል።  ይህ የሆነው ኢስላማዊ የፋይናንስ ተቋማት እና እንቅስቃሴዎች ዝቅተኛ መለኪያዎችን በወቅቱ ሪፖርት ባደረጉበት ወቅት ነው። እ.ኤ.አ. በ2022፣ ከ4 እስላማዊ ባንክ 1 ማለት ይቻላል ዝቅተኛ ትርፍ ወይም ከፍተኛ ኪሳራ ሪፖርት አድርጓል። እስላማዊ ባንኮች እስከ 2022 መጨረሻ ድረስ 3.2t ዶላር በንብረት ያዙ። ኢስላማዊ ገንዘቦችም በከፍተኛ ሁኔታ ቀንሰዋል። በአብዛኛዎቹ ገበያዎች ውስጥ ያሉት አብዛኛዎቹ ኢስላማዊ ገንዘቦች-ሁለቱም የጋራ ፈንዶች እና የግብይት ፈንዶች (ETFs) - በ 2022 አሉታዊ ዕድገት እንዳስመዘገቡ ተዘግቧል ። በአስተዳደር ስር ያሉ ንብረቶች ከ 2021 በ 10% ወደ $ 220b ዝቅ ብለዋል ፣ የአዲሱ እስላማዊ ፈንድ ቁጥር ከ 223 ጋር በከፍተኛ ሁኔታ ቀንሷል ከ2021 እስከ 71 በ2022 ዓ. ይሁን እንጂ ብሩህ ቦታዎች አሉ. ኢኤስጂ ሱኩክ በሚቀጥሉት አመታት ያድጋል ተብሎ ይጠበቃል፣ በርካታ መንግስታት ኢኮኖሚያቸውን በዘላቂነት መልሶ የመገንባት ፍላጎት እንዳላቸው ጠቁመዋል ሲል LSEG ተናግሯል። በ2023 አጠቃላይ የሱኩክ ልቀት $214.9b ደርሷል፣ ከ2022 9.9% ጨምሯል። ይህ በ2017 ገበያ ከተጀመረ ወዲህ የESG ሱኩክ ሰባተኛው ተከታታይ ሪከርድ ነው ሲል LSEG ጠቁሟል። የESG ሱኩክ አቅርቦት በ2023 በ42 በመቶ ወደ $13.4b ከፍ ብሏል። አረንጓዴ ሱኩክ በ2023 ከጠቅላላው 58.1% ደርሷል። የተባበሩት አረብ ኤሚሬቶች COP28ን በህዳር እና ታህሳስ 2023 በማስተናገዷ እስላማዊው ዘላቂ ፋይናንስ በቀጣይነትም ጎልቶ እንደሚታይ ይጠበቃል። ኢንዱስትሪው የኢስላሚክ ፋይናንስ እውቀትን እና ግንዛቤን ለማሳደግ ጥረቶችን እያየ ነው። ለምሳሌ፣ ኢንዶኔዢያ የቁጥጥር ተቆጣጣሪዎቿ ብሄራዊ የፋይናንስ እውቀት ስትራቴጂ አካል በመሆን ለእስልምና ፋይናንስ ግንዛቤን ለማሳደግ የተለያዩ ዘዴዎችን በመተግበር ላይ ትገኛለች። በ LSEG፣ ማሌዥያ፣ ሳዑዲ አረቢያ እና ኢንዶኔዥያ ከተጠኑ 136 ገበያዎች መካከል በጣም የዳበሩ የእስልምና ፋይናንስ ስልጣኖች ተብለው ተጠርተዋል።

Interesting explanation keep watching this video until the very end.

7NIGHMQG04OFHOQ9GC91.mp4