- اذا كان المستفيد من الكمبيالة عمي

- اذا كان المستفيد من الكمبيالة عميلا للبنك وله حساب جار فيه فان البنك يستطيع ان يصرف لهذا المستفيد قيمة الكمبيالة كاملة بغير ان يخصم من قيمتها ما تخصمه البنوك الاخرى عن مدة الانتظار وتحقيق ذلك ان البنك يستثمر الحساب الجاري لهذا المودع ولا يؤدي اليه اية فائدة فلماذا لا يخصم كمبيالة الا بعد خصم فائدة من قيمتها وهو الاقتراح الذي قدمه المرحوم الدكتور محمد عبد الله العربي .
ومن شروط جواز هذه العملية مايلي :
- ان يكون للعميل المستفيد من الكمبيالة حساب جار في البنك في المتوسط السنوي لا يقل عن ثلث او نصف قيمة الورقة .
- ضرورة ارفاق الكمبيالة بفاتورة او مستند دال على موضوعها ضمانا للجدية وعليه فان المصرف الاسلامي قد ابتعدعن الوقوع في تحويل الدين بغير قيمته الاسمية واوجد لنفسه اشكالا شرعية تمكنه من خدمة عملائه .
البنوك الإسلامية تختلف اختلافا جذريا في أسلوبها عن البنوك التقليدية، حيث أن هذه الأخيرة تستهدف أساسا الربح وليس لها هدف سوى ذلك، أما البنوك الإسلامية فهي تسعى أساسا إلى تنمية المجتمع والنهوض به ماديا، وهي لا تغفل هدف الربح لكنه في المرتبة الثانية ( ).

النتائج (الإنجليزية) 1:

-If the beneficiary of the Bank's customer Bill of Exchange and his checking account, the Bank can spend to complete the Bill of exchange value beneficiary is not deducted from the value of other banks deduct about waiting times and realize that the Bank invests this applicant's current account and does not lead to any benefit so why not deduct Bill only after discounting the value given by the late Dr Muhammad Abdullah. And this process passport requirements:-The client should be the beneficiary of the account in Bank Bill annual average of not less than one third or half of the paper.-The need to attach a bill of an invoice or a document to ensure seriousness theme d and therefore the Islamic Bank may move away from falling into debt without nominal value and find himself a legitimate forms enable him to serve his clients.Islamic banks are radically different in style from traditional banks, the latter mainly for profit and have no aim but to either Islamic banks are essentially seeks to develop and promote community materially, are not missing profit but in second place ().

النتائج (الإنجليزية) 2:

- If the beneficiary of the bill a customer of the bank and has a neighbor in which the Bank can be spent for this beneficiary full bill of exchange value otherwise be deducted from the value of what deduct the other on a wait - and make it happen for banks that the bank invests the current account of the depositor does not lead to any benefit , why not discounted promissory note until after the interest of its value deducted a proposal made ​​by the late Dr. Mohammed Abdullah Al Arab.
It is a condition passport this process , the following:
- to have the customer benefits from the bill a checking account at the bank's annual average of at least a third or half the paper value.
- the need to attach the bill invoice or D based on the theme of a guarantee of seriousness and hence the Islamic bank may Apt'dan falling into the conversion of debt without par value and Find for himself forms the legitimacy of being able to serving its customers.
Islamic banks are radically different in style from traditional banks, where the latter targeting mainly profit and does not have a goal just that, while Islamic banks are essentially seeks to community development and promotion material, which is not missing the profit target, but in second place ().