Le comportement du musulman en matière de crédit à intérêt face à la contrainte religieuse

Kchirid, Mustapha and Tarbalouti, Essaid and Elgraa, Mohamed (2013): Le comportement du musulman en matière de crédit à intérêt face à la contrainte religieuse.

Abstract

Contrary to the Islamic laws considered as social standard governing the behavior of the Muslims, the facts relative to most of the Muslim countries show that the detention of a conventional bank account considered as illicit because it is generative of the rate of interest and savings is more spread where the population is important. In this article, we divert the conditions under which these principles are not respected. We demonstrate that the cost to inquire some on the others can constitute a brake with care of the Islamic laws. Indeed, the more the population is important, the more the information is scattered and more its cost is raised reducing the effect of social cost of the standard with regard to the earnings expected from the detention of the account.

• Item Type: MPRA Paper
• English Title: The behavior of the Muslim regarding credit with interest in front of the religious constraint
• Language: French
• Keywords: Islam, Interest, behavior
• Subjects: K - Law and Economics > K4 - Legal Procedure, the Legal System, and Illegal Behavior > K40 - General; K - Law and Economics > K4 - Legal Procedure, the Legal System, and Illegal Behavior > K49 - Other

References

Al-Khatib J. A., Vitell S. J., Rawwas M. Y. A. [1997], «Consumer Ethics : A cross-cultural investigation», European Journal of Marketing, vol. 31, n° 11-12, pp. 736-767.

Becker G. S. et Murphy K. M. [1988], «A Theory of Rational Addiction», The Journal of Political Economy, Vol. 96, n° 4, pp. 675-700.

Butos W. [1985], «Hayek and General Equilibrium Analysis», Southern Economic Journal, vol. 52, n°2, pp 332-343.

Drouhin N. [2001], «Uncertain lifetime and time preference», Theory & Décision, Vol. 51, pp. 145-172.

ESSOO N. ET DIBB S. [2004], «Religious Influences on Shopping Behaviour : An Exploratory Study», Journal of Marketing Management, vol. 20, n° 7/8, pp. 683-712.

Etilé F. [2000], «Usages de drogues et dépendance: une analyse économique», Thèse de doctorat en sciences économiques. Université Paris 1, Panthéon-Sorbonne.

Favereau O. [1985], «L’incertain dans la révolution keynésienne : l’hypothèse Wittgenstein», Economie et Société, série P.E., n° 3, pp. 29-72.

Fisher I. [1930], «The Theory of Interest, as Determined by Impatience to Spend Income and Opportunity to Invest it», Macmillan, New-York.

Franke R. H., Hofstede G. et Bond M. H. [1991], «Cultural roots of economic performance : A research note», Strategic Management Journal, vol. 12, Special Issue, pp. 165-173.

Garrison R. [1986], «Hayekian Trade Cycle Theory: a Reappraisal», Cato Journal, vol.6, n°2, pp. 437-453.

Gole N. [2002], «Islam in Public : New Visibilities and New Imaginaries», Public Culture, vol. 14, n° 1, pp. 173-190.

Gorman W. M. [1967], «Tastes, Habits and Choices. International Economic Review», Vol. 8, n° 2, pp. 218-222.

Gul F. et Pesendorfer W. [2007b], «Welfare without Happiness», The American Economic Review, Vol. 97, n° 2, pp. 471-476.

Hayek F. [1952], «L’ordre sensoriel, une enquête sur les fondements de la psychologie théorique», Paris, CNRS Editions.

Hofstede G. [1994], «Vivre dans un monde multiculturel», Paris, Les éditions d’organisation.

Hofstede G. et Bond M. H. [1988], «The Confucius connection : From cultural roots to economic growth», Organizational Dynamics, vol. 16, n° 4, pp. 5-21.

Keynes J. M. [1936], «The General Theory of Employment, Interest and Money», Mac Millan

Kluckhohn F. et Strodtbeck F. L. [1961], «Variations in Value Orientations», New York, Row, Peterson and Company.

Lemennicier B. [1992], «Prohibition de la drogue : diagnostic et solutions», Journal des économistes et des études humaines, Vol. 3, n° 4, pp. 493-523.

Lucas R. [1980], «Methods and Problems in Business Cycle Theory», Journal of Money, Credit and Banking, part 2, pp. 696-715.

Massin S. [2011], «la notion d'addiction en économie : la théorie du choix rationnel à l'épreuve», Revue d’économie politique, Vol. 121, pp 7713-750

Modigliani F. [1975], «Liquidity Preference and the Theory of Interest and Money», Econometrica, Vol. 12, pp. 44-88.

Mokhlis S. [2006], «The Effect of Religiosity on Shopping Orientation: An Exploratory Study in Malaysia”, Journal of American Academy of Business, vol. 9, n° 1, pp. 64-74.

Mougeot C. [2009], «Théorie autrichienne du cycle et théorie des cycles d'équilibre», Revue française d’économie, Vol. XXIV, pp. 67-92

Rice G. et Al-Mossawi M. [2002], «The Implications of Islam for Advertising Messages: The Middle Eastern Context», Journal of Euromarketing, vol. 11, n° 3, pp. 71-97.

Saeed M., Ahmed Z.U. et Mukhtar S. M. [2001], «International Marketing Ethics from an Islamic Perspective: AValue-Maximization Approach», Journal of Business Ethics, Part 2, vol. 32, n° 2, pp. 127-142.

Slowikowski S. et Jarratt D.G. [1997], «The Impact of Culture on the Adoption of High Technology Innovation», Marketing Intelligence and Planning, vol. 15, n° 2, pp. 97-105.

Sood J. et Nasu Y. [1995], «Religiosity and Nationality: An Exploratory Study of Their Effect on Consumer Behavior in Japan and the United States», Journal of Business Research, vol. 34 n° 1, pp. 1-9.

Steenkamp J. B., Hofstede F. et Wedel M. [1999], «A Cross-National Investigation into the Individual and National Cultural Antecedents of Consumer Innovativeness», Journal of Marketing, vol. 63, n° 2, pp. 55-69.

Stigler G. J. et Becker G. S. [1977], «De Gustibus Non Est Disputandum». The American Economic Review, Vol. 67, n° 2, 76-90.

Thaler R. H. et Shefrin H. M. [1981], «An Economic Theory of Self-Control». The Journal of Political Economy, Vol. 89, n° 2, pp. 392-406.