When customers see financing payments that look very similar to conventional outcomes, they may conclude that only documents and terminology have changed.
Even if that conclusion is legally too simplistic, excessive dependence on sale-and-lease financing makes Islamic banking harder to explain as a genuinely different economic system.
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Islamic Banking: The Core Philosophy and the Musharakah Gap
When customers see financing payments that look very similar to conventional outcomes, they may conclude that only documents and terminology have changed.
Even if that conclusion is legally too simplistic, excessive dependence on sale-and-lease financing makes Islamic banking harder to explain as a genuinely different economic system.