Attentes des particuliers vis-à-vis du contrat Ijаrа Mоuntahiya Bitаmlik au Maroc: cas de financement du secteur automobile

Hajar Mraiti, Ouafa Hicham and Driss Omerani
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Hajar Mraiti: FSJES Marrakech - Faculté des Sciences Juridiques, Economiques et Sociales-Marrakech
Ouafa Hicham: FSJES Marrakech - Faculté des Sciences Juridiques, Economiques et Sociales-Marrakech
Driss Omerani: FSJES Marrakech - Faculté des Sciences Juridiques, Economiques et Sociales-Marrakech

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Abstract: Abstract : The aim of this study is to explore the expectations of individuals with regard to the Ijаrа Mоuntahiya Bitаmlik contract for car financing in Morocco, and to identify the factors that may stimulate demand for this Islamic financing product. To do this, we opted for a quantitative approach based on a questionnaire administered to a sample of 100 Moroccan individuals. However, due to the small sample size, the results obtained cannot be generalized to the entire Moroccan population.The results reveal a growing interest in the Ijаrа Mоuntahiya Bitаmlik financial instrument, provided it is offered at a competitive price. However, religious conviction is a determining factor for some individuals, prompting them to accept a slightly higher cost in return for financing in line with the principles of Islamic finance.Nonetheless, this study is a first step in the reflection on the adaptation of the Ijāra Muntahiya Bitamlik contract to the needs of individuals in the automotive sector in Morocco. Keywords: Islamic finance, Ijаrа Mоuntahiya Bitаmlik, Automobile financing, Religious compliance.Classification JEL: G21 Paper type: Empirical Research

Keywords: Finance islamique Ijаrа Mоuntahiya Bitаmlik financement automobile Conformité religieuse. JEL Classification : G21 Type du papier : Recherche empirique Islamic finance Ijаrа Mоuntahiya Bitаmlik Automobile financing Religious compliance. Classification JEL: G21 Paper type: Empirical Research; Finance islamique; Ijаrа Mоuntahiya Bitаmlik; financement automobile (search for similar items in EconPapers)
Date: 2025-08-01
New Economics Papers: this item is included in nep-ara
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Published in IJAFAME, 2025, ⟨10.5281/zenodo.16984966⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05228604

DOI: 10.5281/zenodo.16984966

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