{"id":106707,"date":"2026-07-10T18:35:20","date_gmt":"2026-07-10T14:35:20","guid":{"rendered":"https:\/\/jam-news.net\/az\/?p=106707"},"modified":"2026-07-10T20:00:27","modified_gmt":"2026-07-10T16:00:27","slug":"az%c9%99rbaycan-islam-banki","status":"publish","type":"post","link":"https:\/\/jam-news.net\/az\/az%c9%99rbaycan-islam-banki\/","title":{"rendered":"\u0130slam maliyy\u0259si v\u0259 ya\u015f\u0131l ke\u00e7id: Az\u0259rbaycan\u0131n diversifikasiya strategiyas\u0131nda yeni s\u0259hif\u0259 a\u00e7\u0131l\u0131r?"},"content":{"rendered":"\n<p style=\"font-size:11px\"><strong><em>Az\u0259rbaycan \u0130slam bank\u0131<\/em><\/strong><\/p>\n\n\n\n<p>Neft qiym\u0259tl\u0259rinin qlobal bazarlarda davam ed\u0259n d\u0259yi\u015fk\u0259nliyi v\u0259 neft-qaz sektorunun uzunm\u00fcdd\u0259tli m\u0259hdudiyy\u0259tl\u0259ri <a href=\"https:\/\/jam-news.net\/az\/category\/cografiya\/az%c9%99rbaycan\/\" target=\"_blank\" rel=\"noreferrer noopener\">Az\u0259rbaycan<\/a> iqtisadiyyat\u0131 qar\u015f\u0131s\u0131nda diversifikasiya m\u0259s\u0259l\u0259sini strateji prioritet\u0259 \u00e7evirib. <\/p>\n\n\n\n<p>\u00d6lk\u0259nin g\u0259l\u0259c\u0259k iqtisadi sabitliyi art\u0131q yaln\u0131z karbohidrogen ehtiyatlar\u0131ndan as\u0131l\u0131 ola bilm\u0259y\u0259c\u0259yi \u00fc\u00e7\u00fcn qeyri-neft sektorunun inki\u015faf\u0131, yeni maliyy\u0259 al\u0259tl\u0259rinin t\u0259tbiqi v\u0259 dayan\u0131ql\u0131 investisiya m\u0259nb\u0259l\u0259rinin c\u0259lb edilm\u0259si vacib \u015f\u0259rt\u0259 \u00e7evrilib.<\/p>\n\n\n\n<p>R\u0259smi proqnozlara g\u00f6r\u0259, 2026-c\u0131 ild\u0259 qeyri-neft sektorunun \u00dcDM-d\u0259 pay\u0131n\u0131n t\u0259xmin\u0259n 75,8 %-\u0259 \u00e7atmas\u0131, b\u00fcdc\u0259 g\u0259lirl\u0259rind\u0259 is\u0259 qeyri-neft m\u0259nb\u0259l\u0259rinin pay\u0131n\u0131n 57 %-\u0259 y\u00fcks\u0259lm\u0259si g\u00f6zl\u0259nilir. Bu dinamika fonunda M\u0259rk\u0259zi Bank\u0131n \u0130slam maliyy\u0259si \u00fczr\u0259 \u201csandbox\u201d rejimini t\u0259tbiq etm\u0259si v\u0259 ilk sukuk (\u0130slam istiqrazlar\u0131) emissiyas\u0131na <a href=\"https:\/\/marja.az\/137278\/azerbaycan-ilk-sukuk-buraxilisina-hazirlasir\" target=\"_blank\" rel=\"noreferrer noopener\">haz\u0131rl\u0131q i\u015fl\u0259ri<\/a>, el\u0259c\u0259 d\u0259 &#8220;Finnfund&#8221;un iyul 2026-c\u0131 ild\u0259 Bank Respublikaya 15 milyon avro ekvivalentind\u0259 ya\u015f\u0131l maliyy\u0259 v\u0259 ki\u00e7ik-orta sahibkarl\u0131\u011fa (KOS) <a href=\"https:\/\/www.finnfund.fi\/en\/news-and-publications\/news\/finnfund-invests-eur-15-million-in-bank-respublika-to-support-green-finance-and-msmes-in-azerbaijan\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u0259st\u0259k krediti<\/a> kimi add\u0131mlar x\u00fcsusi aktuall\u0131q qazan\u0131b.<\/p>\n\n\n\n<p>Bu prosesl\u0259r Az\u0259rbaycan\u0131n iqtisadi diversifikasiya strategiyas\u0131nda \u0130slam maliyy\u0259si v\u0259 ya\u015f\u0131l ke\u00e7idin real t\u00f6hf\u0259 ver\u0259 bil\u0259c\u0259yi sual\u0131n\u0131 g\u00fcnd\u0259m\u0259 g\u0259tirir.<\/p>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/stiv-deyns-baki-s%c9%99f%c9%99ri\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\tTR\u0130PP v\u0259 Orta D\u0259hliz AB\u015e-nin C\u0259nubi Qafqaz strategiyas\u0131n\u0131n m\u0259rk\u0259zin\u0259 \u00e7evrilir &#8211; R\u0259y\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  Stiv Deyns Bak\u0131 s\u0259f\u0259ri \u00e7\u0259r\u00e7iv\u0259sind\u0259 \u00f6lk\u0259 prezidenti, iqtisadiyyat naziri v\u0259 SOCAR prezidenti il\u0259 g\u00f6r\u00fc\u015fl\u0259r ke\u00e7irilib.\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/stiv-deyns-baki-s%c9%99f%c9%99ri\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2026\/07\/website-format-2026-07-08T173545.443.png\" alt=\"Stiv Deyns Bak\u0131 s\u0259f\u0259ri\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130slam maliyy\u0259sinin Az\u0259rbaycanda indiki v\u0259ziyy\u0259ti<\/h2>\n\n\n\n<p>Az\u0259rbaycanda \u0130slam maliyy\u0259sinin institusional \u0259saslar\u0131 h\u0259l\u0259 formala\u015fma m\u0259rh\u0259l\u0259sind\u0259dir. M\u0259rk\u0259zi Bank\u0131n t\u0259sdiql\u0259diyi \u201c2024-2026-c\u0131 ill\u0259rd\u0259 maliyy\u0259 sektorunun inki\u015faf Strategiyas\u0131\u201d \u00e7\u0259r\u00e7iv\u0259sind\u0259 2026-c\u0131 ilin ilk yar\u0131s\u0131nda iki bank &#8211; \u201cRabit\u0259bank\u201d v\u0259 \u201cAz\u0259rbaycan Beyn\u0259lxalq Bank\u0131\u201d (ABB) \u201csandbox\u201d (x\u00fcsusi t\u0259nziml\u0259m\u0259) rejimind\u0259 \u0130slam maliyy\u0259 m\u0259hsullar\u0131n\u0131 t\u0259klif etm\u0259y\u0259 ba\u015flay\u0131b. Bu m\u0259hsullar aras\u0131nda murabaha \u0259sas\u0131nda da\u015f\u0131nmaz \u0259mlak v\u0259 da\u015f\u0131nar \u0259mlak\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259si yer al\u0131r. S\u0131naq m\u00fcdd\u0259ti 2027-ci ilin aprelin\u0259 q\u0259d\u0259r davam ed\u0259c\u0259k.<\/p>\n\n\n\n<p>M\u0259rk\u0259zi Bank s\u0259dri Taleh Kaz\u0131movun \u0130slam \u0130nki\u015faf Bank\u0131n\u0131n (\u0130\u0130B) Bak\u0131da ke\u00e7iril\u0259n 2026-c\u0131 il \u0130llik Toplant\u0131lar\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 verdiyi a\u00e7\u0131qlamaya g\u00f6r\u0259, \u00f6lk\u0259d\u0259 ilk sukuk emissiyas\u0131 \u00fc\u00e7\u00fcn h\u00fcquqi v\u0259 institusional baza \u0130\u0130B Qrupu il\u0259 birg\u0259 layih\u0259 \u00e7\u0259r\u00e7iv\u0259sind\u0259 haz\u0131rlan\u0131r. 2026-c\u0131 ilin sonuna q\u0259d\u0259r qanunvericilik paketinin t\u0259sdiqi planla\u015fd\u0131r\u0131l\u0131r. Takaful (\u0130slam s\u0131\u011fortas\u0131) v\u0259 dig\u0259r yeni m\u0259hsullar\u0131n t\u0259tbiqi d\u0259 strategiyada n\u0259z\u0259rd\u0259 tutulub.<\/p>\n\n\n\n<p>&#8220;Fitch Ratings&#8221;in may 2026-c\u0131 il <a href=\"https:\/\/www.fitchratings.com\/research\/islamic-finance\/central-asia-islamic-finance-potential-catalysed-by-reforms-gcc-interest-11-05-2026\" target=\"_blank\" rel=\"noreferrer noopener\">qiym\u0259tl\u0259ndirm\u0259sin\u0259<\/a> \u0259sas\u0259n, yax\u0131n perspektivd\u0259 \u201c\u0130slam p\u0259nc\u0259r\u0259l\u0259ri\u201d modeli (\u0259n\u0259n\u0259vi banklarda \u0130slam m\u0259hsullar\u0131 b\u00f6lm\u0259si) \u00fcst\u00fcnl\u00fck t\u0259\u015fkil ed\u0259c\u0259k, tamh\u00fcquqlu m\u00fcst\u0259qil \u0130slam banklar\u0131n\u0131n yarad\u0131lmas\u0131 is\u0259 daha sonrak\u0131 m\u0259rh\u0259l\u0259y\u0259 saxlan\u0131lacaq. \u0130\u0130B \u0130nstitutunun iyun 2026-c\u0131 ild\u0259 d\u0259rc etdiyi \u201cAz\u0259rbaycanda \u0130slam Maliyy\u0259si: Yeni Z\u0259minl\u0259r A\u00e7\u0131l\u0131r\u201d hesabat\u0131nda is\u0259 2035-ci il\u0259d\u0259k \u0130slam bank aktivl\u0259rinin t\u0259xmin\u0259n 2,7 milyard AB\u015e dollar\u0131na \u00e7ata bil\u0259c\u0259yi proqnozla\u015fd\u0131r\u0131l\u0131r. Bu g\u00f6st\u0259ricil\u0259r prosesin h\u0259l\u0259 ilkin, lakin sistemli \u015f\u0259kild\u0259 ir\u0259lil\u0259diyini g\u00f6st\u0259rir.<\/p>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/orta-d%c9%99hlizd%c9%99-az%c9%99rbaycan-2\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\tOrta D\u0259hlizd\u0259 \u00fc\u00e7qat art\u0131m h\u0259d\u0259fi: 10 prioritet layih\u0259 v\u0259 Az\u0259rbaycan\u0131n strateji y\u00fcks\u0259li\u015fi\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  D\u0259hlizd\u0259 2019-2021-ci ill\u0259rd\u0259 0,6-0,8 milyon ton civar\u0131nda olan y\u00fck da\u015f\u0131malar\u0131 2024-c\u00fc ild\u0259 art\u0131q 4,5 milyon tonu ke\u00e7ib.\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/orta-d%c9%99hlizd%c9%99-az%c9%99rbaycan-2\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2026\/06\/q89zA.jpg\" alt=\"Orta D\u0259hlizd\u0259 Az\u0259rbaycan\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130qtisadi faydalar v\u0259 investor c\u0259lbi<\/h2>\n\n\n\n<p>\u0130slam maliyy\u0259sinin t\u0259tbiqi Az\u0259rbaycana bir s\u0131ra iqtisadi \u00fcst\u00fcnl\u00fckl\u0259r v\u0259d edir. \u0130lk n\u00f6vb\u0259d\u0259, K\u00f6rf\u0259z \u00f6lk\u0259l\u0259ri (S\u0259udiyy\u0259 \u018fr\u0259bistan\u0131, B\u018f\u018f, Q\u0259t\u0259r) v\u0259 \u0130slam \u0130nki\u015faf Bank\u0131 Qrupundan potensial kapital ax\u0131n\u0131 g\u00f6zl\u0259nilir. Bu investorlar \u00fc\u00e7\u00fcn sukuk kimi \u015f\u0259ri\u0259t\u0259 uy\u011fun al\u0259tl\u0259r c\u0259lbedicidir; onlar h\u0259m d\u0259 Az\u0259rbaycan\u0131n investisiya d\u0259r\u0259c\u0259li reytinqin\u0259 v\u0259 strateji co\u011frafi m\u00f6vqeyin\u0259 diqq\u0259t yetirirl\u0259r.<\/p>\n\n\n\n<p>Ki\u00e7ik v\u0259 Orta Sahibkarl\u0131q (KOS) sektoru \u00fc\u00e7\u00fcn \u0259l\u00e7atan maliyy\u0259l\u0259\u015fm\u0259nin artmas\u0131 x\u00fcsusi \u0259h\u0259miyy\u0259t da\u015f\u0131y\u0131r. Murabaha v\u0259 icar\u0259 \u0259sasl\u0131 m\u0259hsullar faiz y\u00fck\u00fc da\u015f\u0131mad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn dini d\u0259y\u0259rl\u0259r\u0259 h\u0259ssas sahibkarlar aras\u0131nda daha geni\u015f yay\u0131na bil\u0259r. Bunun maliyy\u0259 inkl\u00fczivliyini art\u0131raraq ki\u00e7ik biznesin inki\u015faf\u0131na t\u00f6hf\u0259 ver\u0259c\u0259yi proqnozla\u015fd\u0131r\u0131l\u0131r.<\/p>\n\n\n\n<p>Diversifikasiya bax\u0131m\u0131ndan yeni maliyy\u0259 m\u0259nb\u0259l\u0259rinin yaranmas\u0131 neft g\u0259lirl\u0259rind\u0259n as\u0131l\u0131l\u0131\u011f\u0131 azaldacaq, b\u00fcdc\u0259 v\u0259 investisiya portfelini geni\u015fl\u0259ndir\u0259c\u0259k. \u0130\u0130B hesabat\u0131nda qeyd olunan potensial art\u0131m trayektoriyas\u0131 g\u00f6st\u0259rir ki, u\u011furlu t\u0259tbiq hal\u0131nda \u0130slam maliyy\u0259si \u00f6lk\u0259nin \u00fcmumi maliyy\u0259 d\u0259rinliyini art\u0131ra bil\u0259r. Bununla yana\u015f\u0131, ya\u015f\u0131l layih\u0259l\u0259rin maliyy\u0259l\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn \u0259lav\u0259 resurslar c\u0259lb etm\u0259k imkan\u0131 da yaran\u0131r.<\/p>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/trampin-s%c9%99fir-namiz%c9%99di\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\tTramp\u0131n Az\u0259rbaycana s\u0259fir namiz\u0259di: Alexander Alden kimdir v\u0259 regionda n\u0259yi d\u0259yi\u015f\u0259 bil\u0259r?\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  Alden Tramp\u0131n birinci administrasiyas\u0131nda AB\u015e-A\u0130 m\u00fcnasib\u0259tl\u0259rin\u0259 v\u0259 \u201c\u00c7inin regional t\u0259sirinin qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131na\u201d cavabdeh olub.\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/trampin-s%c9%99fir-namiz%c9%99di\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2026\/06\/website-format-2026-06-04T193301.650.png\" alt=\"Tramp\u0131n s\u0259fir namiz\u0259di\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<h2 class=\"wp-block-heading\">\u018fsas \u00e7\u0259tinlikl\u0259r v\u0259 m\u0259hdudiyy\u0259tl\u0259r<\/h2>\n\n\n\n<p>B\u00fct\u00fcn potensiala baxmayaraq, proses bir s\u0131ra ciddi \u00e7\u0259tinlikl\u0259rl\u0259 \u00fczl\u0259\u015fir. Qanunvericilik bazas\u0131 h\u0259l\u0259 tam yetkin deyil; \u201csandbox\u201d m\u00fcv\u0259qq\u0259ti s\u0131naq rejimidir v\u0259 geni\u015fmiqyasl\u0131 f\u0259aliyy\u0259t \u00fc\u00e7\u00fcn tam h\u00fcquqi \u00e7\u0259r\u00e7iv\u0259 t\u0259l\u0259b olunur. Bu, investorlar\u0131n uzunm\u00fcdd\u0259tli etibar\u0131n\u0131 m\u0259hdudla\u015fd\u0131ra bil\u0259r.<\/p>\n\n\n\n<p>Bazar\u0131n yetkinlik s\u0259viyy\u0259si a\u015fa\u011f\u0131d\u0131r. \u018fhali v\u0259 sahibkarlar aras\u0131nda \u0130slam maliyy\u0259si m\u0259hsullar\u0131 bar\u0259d\u0259 m\u0259lumatl\u0131l\u0131q kifay\u0259t q\u0259d\u0259r deyil; bu da t\u0259l\u0259bin formala\u015fmas\u0131n\u0131 l\u0259ngidir. \u015e\u0259ri\u0259t \u00fczr\u0259 m\u00fct\u0259x\u0259ssis v\u0259 riskl\u0259rin idar\u0259 edilm\u0259si \u00fczr\u0259 pe\u015f\u0259kar \u00e7at\u0131\u015fmazl\u0131\u011f\u0131 da ciddi mane\u0259dir &#8211; m\u0259hsullar\u0131n \u015f\u0259ri\u0259t\u0259 uy\u011funlu\u011fu v\u0259 eyni zamanda maliyy\u0259 dayan\u0131ql\u0131l\u0131\u011f\u0131 t\u0259min edilm\u0259lidir.<\/p>\n\n\n\n<p>Ki\u00e7ik daxili bazar v\u0259 g\u00fccl\u00fc r\u0259qab\u0259t d\u0259 n\u0259z\u0259r\u0259 al\u0131nmal\u0131d\u0131r. \u018fn\u0259n\u0259vi banklar art\u0131q m\u00f6hk\u0259m m\u00f6vqe tutub; yeni al\u0259tl\u0259rin r\u0259qab\u0259t\u0259davaml\u0131 olmas\u0131 \u00fc\u00e7\u00fcn \u0259lav\u0259 \u00fcst\u00fcnl\u00fckl\u0259r (m\u0259s\u0259l\u0259n, daha \u00e7evik \u015f\u0259rtl\u0259r, d\u00f6vl\u0259t d\u0259st\u0259yi) t\u0259l\u0259b olunacaq. Bu \u00e7\u0259tinlikl\u0259r \u0130slam maliyy\u0259sinin q\u0131sa m\u00fcdd\u0259td\u0259 k\u0259skin d\u00f6n\u00fc\u015f yaradaca\u011f\u0131n\u0131 g\u00f6zl\u0259m\u0259yi \u00e7\u0259tinl\u0259\u015fdirir.<\/p>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/ilham-eliyevin-qazaxistana-seferi\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\t\u018fliyevin Qazax\u0131stan s\u0259f\u0259ri: strateji t\u0259r\u0259fda\u015fl\u0131q v\u0259 yeni imkanlar m\u00fczakir\u0259 edilib\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  G\u00f6r\u00fc\u015fd\u0259 imzalanan sazi\u015fl\u0259r enerjid\u0259n \u0259qli m\u00fclkiyy\u0259t\u0259, s\u0259hiyy\u0259d\u0259n r\u0259q\u0259msal texnologiyalara q\u0259d\u0259r m\u00fcxt\u0259lif sah\u0259l\u0259ri \u0259hat\u0259 edib.\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/ilham-eliyevin-qazaxistana-seferi\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2025\/10\/website-format-75.png\" alt=\"\u0130lham \u018fliyevin Qazax\u0131stana s\u0259f\u0259ri\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<h2 class=\"wp-block-heading\">Regional m\u00fcqayis\u0259: Qazax\u0131stan v\u0259 T\u00fcrkiy\u0259<\/h2>\n\n\n\n<p>Qazax\u0131stan v\u0259 <a href=\"https:\/\/jam-news.net\/az\/category\/cografiya\/turkiy%c9%99\/\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00fcrkiy\u0259<\/a> t\u0259cr\u00fcb\u0259si Az\u0259rbaycan \u00fc\u00e7\u00fcn m\u00fch\u00fcm m\u00fcqayis\u0259 n\u00f6qt\u0259sidir. Qazax\u0131stan 2010-cu ill\u0259rin \u0259vv\u0259ll\u0259rind\u0259n \u0130slam maliyy\u0259si qanunvericiliyini q\u0259bul edib, tamh\u00fcquqlu \u0130slam banklar\u0131 (m\u0259s\u0259l\u0259n, Al Hilal Bank) f\u0259aliyy\u0259t g\u00f6st\u0259rir. M\u0259rk\u0259zi Asiyada pioner \u00f6lk\u0259l\u0259rd\u0259n biri olsa da, \u0130slam banklar\u0131n\u0131n \u00fcmumi bank sektorundak\u0131 pay\u0131 h\u0259l\u0259 d\u0259 1,5 %-d\u0259n a\u015fa\u011f\u0131 qal\u0131r. T\u0259nziml\u0259m\u0259 bazas\u0131 daha inki\u015faf etmi\u015fdir.<\/p>\n\n\n\n<p>T\u00fcrkiy\u0259d\u0259 is\u0259 i\u015ftirak bank\u00e7\u0131l\u0131\u011f\u0131 (\u0130slam bank\u00e7\u0131l\u0131\u011f\u0131) sektoru daha yetkindir. 1980-ci ill\u0259rd\u0259n ba\u015flayan proses bu g\u00fcn bir ne\u00e7\u0259 ixtisasla\u015fm\u0131\u015f bank\u0131 (Kuveyt T\u00fcrk, Albaraka T\u00fcrk, Ziraat Kat\u0131l\u0131m v\u0259 s.) \u0259hat\u0259 edir; d\u00f6vl\u0259t d\u0259st\u0259yi v\u0259 aktiv sukuk bazar\u0131 il\u0259 sektor \u0259h\u0259miyy\u0259tli paya malikdir. H\u00f6kum\u0259tin strateji yana\u015fmas\u0131 inki\u015faf\u0131 s\u00fcr\u0259tl\u0259ndirib.<\/p>\n\n\n\n<p>Az\u0259rbaycan is\u0259 haz\u0131rda \u201csandbox v\u0259 ilk sukuk haz\u0131rl\u0131\u011f\u0131\u201d m\u0259rh\u0259l\u0259sind\u0259dir. Bu, Qazax\u0131stan v\u0259 T\u00fcrkiy\u0259nin ke\u00e7diyi ilkin m\u0259rh\u0259l\u0259l\u0259r\u0259 uy\u011fundur, lakin h\u0259l\u0259 onlar\u0131n bug\u00fcnk\u00fc yetkinlik s\u0259viyy\u0259sin\u0259 \u00e7atmay\u0131b. Az\u0259rbaycan\u0131n \u00fcst\u00fcnl\u00fcy\u00fc \u0130\u0130B-in aktiv d\u0259st\u0259yi v\u0259 son ill\u0259rd\u0259 artan beyn\u0259lxalq maraqd\u0131r.<\/p>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/abs-nin-erdogana-legitimlik-verme-siyaseti\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\tAB\u015e-nin \u018frdo\u011fana &quot;legitimlik&quot; verm\u0259 siyas\u0259ti v\u0259 m\u0259qs\u0259dl\u0259ri\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  AB\u015e-nin s\u0259firi Tom Barrak: Tramp &#8220;c\u0259sar\u0259tli add\u0131m ataq, \u018frdo\u011fana laz\u0131m olan\u0131 ver\u0259k&#8221; deyib v\u0259 bu &#8220;laz\u0131m olan&#8221; da silah v\u0259 ya ticar\u0259t deyil &#8220;legitimlik&#8221;dir.\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/abs-nin-erdogana-legitimlik-verme-siyaseti\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2025\/10\/website-format-47.png\" alt=\"AB\u015e-nin \u018frdo\u011fana &quot;legitimlik&quot; verm\u0259 siyas\u0259ti\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<h2 class=\"wp-block-heading\">Ya\u015f\u0131l ke\u00e7id v\u0259 \u0130slam maliyy\u0259sinin k\u0259si\u015fm\u0259si<\/h2>\n\n\n\n<p>\u0130slam maliyy\u0259si il\u0259 ya\u015f\u0131l ke\u00e7id aras\u0131nda t\u0259bii uy\u011funluq m\u00f6vcuddur. H\u0259r iki yana\u015fma etik prinsipl\u0259r\u0259, real iqtisadi f\u0259aliyy\u0259t\u0259 v\u0259 z\u0259r\u0259r vurmayan investisiyaya \u0259saslan\u0131r. &#8220;Finnfund&#8221;un 9 iyul 2026-c\u0131 ild\u0259 Bank Respublikaya verdiyi 15 milyon avro ekvivalentind\u0259 kreditin bir hiss\u0259si m\u0259hz ya\u015f\u0131l layih\u0259l\u0259r\u0259 v\u0259 KOS-lara y\u00f6n\u0259ldil\u0259c\u0259k; bu, praktiki n\u00fcmun\u0259dir.<\/p>\n\n\n\n<p>Ya\u015f\u0131l sukuk v\u0259 ESG (\u0259traf m\u00fchit, sosial m\u0259suliyy\u0259t, idar\u0259etm\u0259) prinsipl\u0259ri \u0130slam maliyy\u0259sinin \u00e7\u0259r\u00e7iv\u0259sin\u0259 u\u011furla inteqrasiya oluna bil\u0259r. Bu, Az\u0259rbaycan\u0131n dayan\u0131ql\u0131 inki\u015faf m\u0259qs\u0259dl\u0259rin\u0259 (m\u0259s\u0259l\u0259n, b\u0259rpa olunan enerji, ya\u015f\u0131l infrastruktur) t\u00f6hf\u0259 verm\u0259k potensial\u0131n\u0131 art\u0131r\u0131r. Bel\u0259 sinerji h\u0259m daxili, h\u0259m d\u0259 xarici investorlar \u00fc\u00e7\u00fcn \u0259lav\u0259 c\u0259lbedicilik yarad\u0131r.<\/p>\n\n\n<article class=\"single-card uk-flex uk-flex-between m-b-sm-40\">\n\n  <div class=\"uk-grid wi-full-width\">\n\n    <div class=\"uk-width-2-3 p-t-sm-10\">\n      <a href=\"https:\/\/jam-news.net\/az\/azerbaycanin-ibrahim-razilasmalarina-qosulmasi\/\" target=\"_blank\">\n\n\n\n\n\n        <h2 class=\"m-b-sm-23 wi-merriweather-light\">\n\tAz\u0259rbaycan &quot;\u0130brahim raz\u0131la\u015fmalar\u0131&quot;na qo\u015fula bil\u0259rmi?\n<\/h2>\n\n        <p class=\"paragraph-color-2 m-b-sm-10 m-b-xs-7\">\n  \u201c\u0130brahim raz\u0131la\u015fmalar\u0131\u201d \u0130srail il\u0259 yax\u0131n \u0259laq\u0259l\u0259r\u0259 malik Az\u0259rbaycan t\u0259r\u0259find\u0259n h\u0259l\u0259 d\u0259 imzalanmay\u0131b.\n<\/p>\n      <\/a>\n    <\/div>\n    <div class=\"uk-width-1-3\">\n      <figure class=\"wi-full-height choose-post__img wi-merriweather-light\">\n  <a class=\"\" href=\"https:\/\/jam-news.net\/az\/azerbaycanin-ibrahim-razilasmalarina-qosulmasi\/\">\n    <img decoding=\"async\" class=\"wi-full-height wi-ratio-img\" src=\"https:\/\/jam-news.net\/app\/uploads\/2025\/08\/F\u0259rqan\u0259-Novruzova-61.png\" alt=\"Az\u0259rbaycan\u0131n &quot;\u0130brahim raz\u0131la\u015fmalar\u0131&quot;na qo\u015fulmas\u0131\" uk-img \/>\n  <\/a>\n<\/figure>\n    <\/div>\n  <\/div>\n<\/article>\n\n\n\n<p style=\"font-size:1px\"><strong><em>Az\u0259rbaycan \u0130slam bank\u0131<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0130qtisadi sabitlik art\u0131q yaln\u0131z neftd\u0259n as\u0131l\u0131 ola bilm\u0259y\u0259c\u0259yi \u00fc\u00e7\u00fcn dayan\u0131ql\u0131 investisiya m\u0259nb\u0259l\u0259rinin c\u0259lb edilm\u0259si vacib \u015f\u0259rt\u0259 \u00e7evrilib.<\/p>\n","protected":false},"author":60,"featured_media":106708,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,22,4043,25,50,44],"tags":[],"formation":[],"post-author":[2888],"topic":[4952,4957],"tooltip":[],"city":[6041],"class_list":["post-106707","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-azrbaycan","category-iqtisadiyyat","category-explainer","category-cmiyyt","category-xbrlr","category-turkiy","post-author-jamnews","topic-azrbaycan","topic-turkiy","city-baki"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Az\u0259rbaycan \u0130slam bank\u0131 - JAMnews<\/title>\n<meta name=\"description\" content=\"Az\u0259rbaycan \u0130slam bank\u0131. \u0130qtisadi sabitlik yaln\u0131z neftd\u0259n as\u0131l\u0131 ola bilm\u0259y\u0259c\u0259yi \u00fc\u00e7\u00fcn dayan\u0131ql\u0131 investisiya m\u0259nb\u0259l\u0259rinin c\u0259lbi \u0259sas \u015f\u0259rt olub.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jam-news.net\/az\/az\u0259rbaycan-islam-banki\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0130slam maliyy\u0259si v\u0259 ya\u015f\u0131l ke\u00e7id: Az\u0259rbaycan\u0131n diversifikasiya strategiyas\u0131nda yeni s\u0259hif\u0259 a\u00e7\u0131l\u0131r?\" \/>\n<meta property=\"og:description\" content=\"\u0130qtisadi sabitlik art\u0131q yaln\u0131z neftd\u0259n as\u0131l\u0131 ola bilm\u0259y\u0259c\u0259yi \u00fc\u00e7\u00fcn dayan\u0131ql\u0131 investisiya m\u0259nb\u0259l\u0259rinin c\u0259lb edilm\u0259si vacib \u015f\u0259rt\u0259 \u00e7evrilib.\" \/>\n<meta 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