Shadow banks, for instance, are not subject to bank limits on loan or deposit rates, avoid costly PBOC reserve requirements and, basically, allow many companies that cannot obtain financing through regular bank loans or bonds to obtain such financing.How do banks operate and where does the money supply come from? The financial crisis has heightened awareness that these questions have been unduly neglected by many researchers. direction to them), the limit of bank loans to deposit is constraining, the need for an alternative system of financing has arisen in China. Since Chinese regulators discourage lending to certain industries, large state-controlled banks dominate the system (the state provides a great deal of. The shadow banking system in Mainland China has experienced a rapid growth since the global financial crisis, surprisingly rebounding in the first quarter of this year, despite the many efforts by the central bank to curb off-balance activities. It is expected that Tanzanian Islamic banking performance will enhance if the central bank introduces sharia regulations for Islamic banking, initiates the central sharia supervisory board, and harmonize country regulations with financial regulations regarding Islamic perspectives. However, a new challenge of the impact of the central bank on Islamic banks was identified. The challenges include irregularities of policies and regulations, non-supportive operational and technical structure, and missed perceptions of Mudarabah among the public. of major challenges that hinder Islamic banks performance in Tanzanian context. Findings of the study have provided a number. Thematic data analysis was employed to understand hindrances for Islamic banks in operating Mudarabah financing under conventional regulatory regime. This paper investigates the challenges faced by Islamic banks in practicing Mudarabah financing under conventional regulatory regime by interviewing eleven Islamic bank managers from three selected banks.
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March 2023
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