Development of Islamic Finance and its Major Issues

本研究选择四个开展伊斯兰银行业务的东南亚国家为研究对象，采用分层无意问卷调查的方法，对个人和中小企业使用伊斯兰银行业务的程度和动机进行调查。通过分析发现：1.宗教动机一直是穆斯林选择伊斯兰银行的消费者偏好因素。2.鉴于包括分配在内的经济动机往往是非穆斯林选择伊斯兰银行业务的重要因素。因此，与传统银行相比，伊斯兰银行形成了强大的竞争优势。3.对企业的调查显示，他们正在评价对中小企业发展的积极作用。

The research used stratification unintentional questionnaire survey in the selected four Southeast Asian countries where Islamic Banking is operating about the degree of use and motivation for using Islamic Banking for both individual and small and medium sized enterprises. From the analysis it is found that 1. Religious motive has been the factor of consumer preference for choosing Islamic Banking for the Muslims. 2. whereas economic motives including the allotment are often found significant factors for the non-Muslims to choose Islamic Banking. Thus, Islamic Banking has grown strong competitive advantages over the conventional banking. 3. The survey towards enterprises showed that they are evaluating the positive role in SME development.