TABLE OF CONTANT

Title------------------------------------------------------------------Page number
Declaration -----------------------------------------------------------------------I
Declaration---------------------------------------------------------------------- II
Approval-------------------------------------------------------------------------III
Dedication-----------------------------------------------------------------------IV
Acknowledge---------------------------------------------------------------------V
Abstract------------------------------------------------------------------------- VI

Chapter one introduction

1.0

Instruction

...........................................................

1
1.1 Back Ground Of The Study
..........................................................1
1.2 Research Proble
m......................................................................3
1.3 Purpose Of The Study
.................................................................4
1.4

Research Objective .....................................................................

1.5

Research Question.....................................................................4

1.6

The Significant Of The Study......................................................

1.7

The Scope Of Study ....................................................................

.5
6

Chapter two Literature Review

.............................................

2.0 Introduction .......................................................... 7.

2.1 Performance Of Islamic Banks....................................................
.7
2.2 Profitablity Ofislamic Banking
.......................................................8
2.3

Theoretecal And Islamic Bankingsystem. .....................................

11
2.3.1

Islamic Banking Principles ....................................................

15
2.4

Basis Of Islamic Banking ...........................................................

16
2.4.1

Investment Of Islamic Banking Sytem ...................................

2.4.2

Concept Of Islamic Banking System On Money.......................

2.4.3

Concept Of Islamic Banking On Risk-Sharing ..........................

2.4.4

Income Distribution Of Islamic Banking System ......................

19
20
21
22
2.5

Islamic Financial System ...........................................................

2.6

Practical Framework Of Islamic Banking Model .............................

23
26
2.6.1

Functions Of Islamic Banking ................................................

2.6.2

Products Of Islamic Banks ....................................................

27
27

2.6.3

Specific Products .................................................................

28
2.7

Beginning Of Islamic Banking....................................................

29

Chapter three research methodology

3.0

Introduction

...................................................... 30

3.1

Research Design ......................................................................

3.2

Population And Samling ............................................................

30
31
3.2.1

Target Population ................................................................

3.2.2

Sample Design....................................................................

3.2.3

Sample Techniques .............................................................

31
31
31
3.3

Data Collection........................................................................

31
3.3.1

Research Instrument ...........................................................

34
3.4

Quality Control.........................................................................

34
3.4.1

Validity And Reliability Of Research Instrument .................... 35

3.4.2

Data Gathering ...................................................................

35
3.5

Data Analysis ...........................................................................

3.6

Assumptions And Limitations .....................................................

35
36

3.7

Ethical Considerations ...............................................................

37

Chapter four Data Presentation, Analysis And Interpretation

4.0 Overview ................................................................................40
4.1 Profile Of The Respondents ........................................................
40
4.2

The Distribution Of Respondents Occupation ...............................

4.3

The Distribution Of Respondents Gender ....................................

4.4

The Distribution Of Respondents Age .........................................

4.5

The Marital Status Of The Respondents .......................................

4.6

The Educational Level Of The Respondents ..................................

4.7

The Residence Location Of The Respondents................................

4.8

The Experience Level Of The Respondents ...................................

4.9

Performance Of Islamic Banks In Puntland. .................................

41
42
43
45
46
47
49
50
4.10 Islamic Banks Uses Methods Of Islamic Finance. ..........................
51
4.11 Your Ability, Knowledge About Islamic Banking System. ................
52
4.12 The Profitability Of Islamic Banks Is Increasing ............................
54
4.13 The Bank Mostly Use Population In Puntland ................................
55

4.14 Islamic Banks System Is Different Another Banks.........................

56
4.15 Attitude Towards Islamic Banks System In Puntland .....................
57
4.16 Islamic Bank Does Not Influence The Financial Crises That Took Pl
ace
The World. ...................................................................................... 5
8
4.17 Islamic Banks Applying To The Islamic Finance. ...........................
59
4.18 Islamic Banks Believe God Is True Owner Of All Things. ...............
. 60
4.19 Shows Islamic Made Zakat Compulsory On The Wealth Of Rich
Muslim...........................................................................................61
4.20 People Trust Islamic Banks ........................................................
62
4.21 During War The Islamic Banks Increased And People Became Rich.
63
4.22 In Islam Hoarding Wealth Is Prohibited .......................................
65
4.23 In Islam Banking System Influence Exchange Rate .......................
66

Chapter five findings,conclutions and recommedations

5.0 Introduction

...........................................................68

5.1

Findings And Summary .............................................................

5.2

Conclusion ...............................................................................

68
69
5.3Recommendation ..................................................................... 72