the crisis of modernisation and islamicisation 347
Figure: 8.1: Islamic Banking Operations (From El-Ashker, 1987)
Accounts
with
Author-
isation
Accounts
without
Author-
isation
Business
with
partners
On its
own
Current
Accounts
Other
services
Zakah
trust fund
Own
services
Deposits
Business activities Social Services
Investment Services
Islamic banks’ activities
Providing
financial means
Providing goods/
installations
Parnership with
profit sharing
Interest-free
loans
Musharaka Mudaraba Murabaha