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Access to Finance and Collaterals: Islamic Versus Western Banking

Islamic banking would contribute to the emergence of a just and growing economy by enabling small enterprises to obtain finance on participatory basis in which a collateral is not necessary. This is in sharp contrast with the conventional banking which insists on tangible collaterals, discriminating against small units and favoring the propertied rich. As a result income distribution deteriorates further, whereas Islamic banking will improve income distribution.