Housing finance through non-bank organizations in accordance with Islamic finance: Business model experiences from select foreign countries

Kilichova, Munira, Киличова, Мунира, Qilichova, Munira

Жамият ва инновациялар / Общество и инновации / Society and innovations · 2025-yil

Annotatsiya

This article examines foreign experiences of non-bank housing finance models based on Islamic financing principles and explores the possibilities of their application in Uzbekistan. Effective models are analyzed using examples of Islamic cooperatives, crowdfunding platforms, and mechanisms for purchasing homes directly from developers. Based on comparative legal and content analysis methods, the study reveals that while non-bank organizations financing housing in accordance with Islamic finance may exist in Uzbekistan, many forms are not yet fully regulated by law. Drawing on foreign experiences and existing theories, the article proposes ways to meet housing needs and ensure financial inclusion by adapting these models to Uzbekistan's financial system.

Maqola ma’lumotlari
MualliflarKilichova, Munira, Киличова, Мунира, Qilichova, Munira
JurnalЖамият ва инновациялар / Общество и инновации / Society and innovations
NashriyotIn Science МЧЖ
ISSN2181-1415
Nashr sanasi2025-06-25
Jild6
Son6/S
Betlar448-455
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.47689/2181-1415-vol6-iss6/s-pp448-455
Indeksga qo‘shilgan2026-08-26

DOI: 10.47689/2181-1415-vol6-iss6/s-pp448-455 · Maqolaning asl sahifasi

Kalit so‘zlar

Islom moliyasi, nobank tashkilotlar, kooperativlar, kommandit shirkat, islomiy lizing, исламские финансы, небанковские организации, кооперативы, коммандитное товарищество, исламский лизинг, Islamic finance, non-bank institutions, cooperatives, limited partnership, Islamic leasing

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAKilichova, Munira, Киличова, Мунира, & Qilichova, Munira (2025). Housing finance through non-bank organizations in accordance with Islamic finance: Business model experiences from select foreign countries. Жамият ва инновациялар / Общество и инновации / Society and innovations, 6(6/S), 448-455. https://doi.org/10.47689/2181-1415-vol6-iss6/s-pp448-455
GOST (OAK)Kilichova, Munira, Киличова, Мунира, Qilichova, Munira Housing finance through non-bank organizations in accordance with Islamic finance: Business model experiences from select foreign countries // Жамият ва инновациялар / Общество и инновации / Society and innovations. – 2025. – T. 6, № 6/S. – P. 448-455. – DOI: 10.47689/2181-1415-vol6-iss6/s-pp448-455.
MLAKilichova, Munira, Киличова, Мунира, and Qilichova, Munira. “Housing finance through non-bank organizations in accordance with Islamic finance: Business model experiences from select foreign countries.” Жамият ва инновациялар / Общество и инновации / Society and innovations, 6(6/S), 448-455, 2025. https://doi.org/10.47689/2181-1415-vol6-iss6/s-pp448-455
ChicagoKilichova, Munira, Киличова, Мунира, and Qilichova, Munira. “Housing finance through non-bank organizations in accordance with Islamic finance: Business model experiences from select foreign countries.” Жамият ва инновациялар / Общество и инновации / Society and innovations, 6(6/S), 448-455 (2025). https://doi.org/10.47689/2181-1415-vol6-iss6/s-pp448-455
HarvardKilichova, Munira, Киличова, Мунира, and Qilichova, Munira (2025) ‘Housing finance through non-bank organizations in accordance with Islamic finance: Business model experiences from select foreign countries’, Жамият ва инновациялар / Общество и инновации / Society and innovations, 6(6/S), 448-455. https://doi.org/10.47689/2181-1415-vol6-iss6/s-pp448-455
BibTeX
@article{kilichovamunira2025,
  title = {Housing finance through non-bank organizations in accordance with Islamic finance: Business model experiences from select foreign countries},
  author = {Kilichova, Munira and Киличова, Мунира and Qilichova, Munira},
  journal = {Жамият ва инновациялар / Общество и инновации / Society and innovations},
  year = {2025},
  volume = {6},
  number = {6/S},
  pages = {448-455},
  doi = {10.47689/2181-1415-vol6-iss6/s-pp448-455},
  url = {https://doi.org/10.47689/2181-1415-vol6-iss6/s-pp448-455}
}

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