期刊名称：Arabian Journal of Business and Management Review
电子版ISSN：2223-5833
出版年度：2011
卷号：1
期号：3
出版社：Sohar University, Oman and American University of Kuwait
摘要：Islamic banking as a new banking model has become a universal phenomena in terms of acceptability, efficiency and effectiveness of its products and services. But, there is an issue, which borders on the operation of the Islamic banking system from the view-lens of profit maximization model. Thus, Islamic banking model based profit maximization (Profit and loss sharing concept) focuses on profit, with less emphasis on social welfare responsibility of the Ummah. This paper therefore aims to discuss the concept of profit maximization model under Islamic commercial banking system, and highlights the weakness of the model. In a bellicose tone, the paper aims to suggest the modus operadi of Umar Chapra Islamic banking Model, which embraces the use of profit maximization model with great emphasis of social welfare responsibility by Islamic banking system
关键词：Profit Maximization; and Islamic commercial bank
