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Será o financiamento islâmico realmente islâmico?
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O financiamento islâmico tem vindo a afirmar-se como uma realidade incontornável no sistema financeiro global, distinguindo-se dos modelos convencionais pelo seu enquadramento nos ditames da Sharia. A interdição da riba, a proibição da especulação (maysir) e da incerteza excessiva (gharar), bem como a primazia da partilha de risco e o investimento ético configuram os seus princípios estruturantes. No entanto, a sua progressiva internacionalização suscita crescentes dúvidas quanto à sua compatibilidade funcional com os mercados financeiros convencionais, moldados por racionalidades capitalistas e orientados para a maximização do retorno. Com a expansão das finanças islâmicas para jurisdições não islâmicas, tornou-se necessário compreender se este modelo preserva a sua singularidade ou se, pelo contrário, está a sofrer um processo de adaptação que o aproxima do sistema financeiro global. A crescente aceitação de produtos financeiros islâmicos nos mercados internacionais e a sua harmonização com os quadros regulatórios convencionais têm intensificado o debate sobre a integridade do modelo islâmico face às exigências da globalização financeira. Esta tese esmiúça estes desenvolvimentos, analisando-os criticamente e problematizando até que ponto a adaptação dos próprios instrumentos financeiros islâmicos ao mercado ocidental tem conduzido à erosão dos seus princípios fundacionais.
Islamic finance has increasingly established itself as an undeniable reality within the global financial system, distinguishing itself from conventional models through its adherence to the principles of Sharia. The prohibition of riba, the interdiction of speculation (maysir) and excessive uncertainty (gharar), as well as the primacy of risk-sharing and ethically driven investment, constitute the foundational principles of the Islamic financial model. However, its gradual internationalisation raises increasing concerns regarding its functional compatibility with conventional financial markets, which are shaped by capitalist rationalities and oriented towards return maximisation. As Islamic finance expands into non-Islamic jurisdictions, it has become necessary to determine whether this model retains its singularity or, conversely, is undergoing an adaptation process that aligns it more closely with the global financial system. The increasing acceptance of Islamic financial products in international markets and their harmonisation with conventional regulatory frameworks have intensified the debate over the integrity of the Islamic financial model in the face of financial globalisation. This thesis scrutinises these developments, critically examining the extent to which the adaptation of Islamic financial instruments to Western markets has led to the erosion of its foundational principles.
Islamic finance has increasingly established itself as an undeniable reality within the global financial system, distinguishing itself from conventional models through its adherence to the principles of Sharia. The prohibition of riba, the interdiction of speculation (maysir) and excessive uncertainty (gharar), as well as the primacy of risk-sharing and ethically driven investment, constitute the foundational principles of the Islamic financial model. However, its gradual internationalisation raises increasing concerns regarding its functional compatibility with conventional financial markets, which are shaped by capitalist rationalities and oriented towards return maximisation. As Islamic finance expands into non-Islamic jurisdictions, it has become necessary to determine whether this model retains its singularity or, conversely, is undergoing an adaptation process that aligns it more closely with the global financial system. The increasing acceptance of Islamic financial products in international markets and their harmonisation with conventional regulatory frameworks have intensified the debate over the integrity of the Islamic financial model in the face of financial globalisation. This thesis scrutinises these developments, critically examining the extent to which the adaptation of Islamic financial instruments to Western markets has led to the erosion of its foundational principles.
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Financiamento Ética Sharia Regulação Riba Globalização Finance Ethics Regulation Globalisation
Contexto Educativo
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Licença CC
Sem licença CC