Auto Loans for Bad Credit With Longer Loan Terms

According to experts, auto loans for bad credit provided by the car dealers have made it possible for many individuals to realize their dream of owning a car. No longer they have to wait for hours to get a public transport – bus or a cab to reach the destination. They can now easily drive their dream car to any place they are willing to go.

Before the auto dealerships started to give loans, it was the banks and credit unions who used to lend money to people in need of the same. Banks sanction loan to people who want to buy a home or a car. However, to get a loan approved from a bank, you need to have a considerable amount of bank balance plus items that you can keep as a mortgage. In case you are unable to repay back the money, your property will be confiscated by the financial institution.

Auto dealers brought a revolution in the way the lending process used to operate. For example, with the emergence of auto loans for bad credit, now anyone with a poor or no credit score can tension-freely apply for a car loan of any amount they wish to take. The lending process is made a lot easier and a fast approval process is introduced. Nowadays, a potential loan applier will not have to wait for days to get the amount sanctioned. He or she will easily get the money required to pay the price of his newly purchased car.

The amount that you need to pay as the interest rate is also quite less compared what other financing companies charge. The dealerships also charge a low down payment to make it easier for people to submit the same without any problem.

Before finalizing a dealer to take a loan, let’s just go through the below mentioned points.

Check on the Authenticity of the Dealer

It is important to check whether your chosen car dealer has the authorization to lend money or not. It is only an authorized dealer who has the legitimate right to sell cars and grant loans to people.

Check Your Credit Record Before Shopping

Experts say it is not only important to get a copy of your credit record free of cost from organizations such as Equifax, Experian, and TransUnion but it is equally significant to get a copy purchased from any credit bureaus. You should know about your current credit condition and history before thinking of car shopping.

Find Out the Dealer Charging the Lowest Interest Rate

You should do a comprehensive research on the various dealers of the locality to find out who is charging the lowest interest on an auto loan.

Consider a Dealership who is Asking for the Lowest Down Payment

It is likewise significant to locate the dealer who tells his customers to pay a low down payment. In some extreme cases where the borrower is going through a financial hardship, the concerned dealer might tell him not to pay the down payment.

Consider a Good Used Car

Before applying for a used car loan, you must check the condition of the car and every part of it including the car engine, brakes, transmission system, windshield, and so on.

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How to Get Low Interest Auto Loans for Bad Credit?

You may be going through a financial crunch since you have taken a huge debt from the bank to purchase your dream home or may be you have lost your job? Whatever may be the reason the fact is we cannot altogether bypass our regular needs or urgent requirements. For many people buying a car is the second most important asset after home. To drive home a brand new car, most of the potential car owners look for a suitable lending opportunity. Auto loans for bad credit is ideal for people who don’t have a sufficient amount of money in hand to pay the higher rate of interest. Such a type of car loan comes at a low interest rate for a poor credit holder to easily pay off the monthly amount in a tension-free manner.

When applying for an auto loan, there is no need to travel all the way to the lender’s office to collect a hard-copy loan form. It can be easily done online from any place of the world and at any time provided you have an Internet connection that remains steady, 24/7. The online auto loans application procedure is pretty simple. You enter the dealer’s website, you will get to see an online loan application form ‘view’ button or section, as you click on that the online loan application form will open. It is a must to fill up the mandatory sections; you can also fill up the optional sections as well. After you have added all your necessary personal and professional information, you should click on the submit button to let your form get processed. Usually within a day, you will receive a call or an email from the dealer’s office asking you to meet personally at a convenient date and time.

The private dealers offer low interest auto loans for bad credit. The traditional lending institutions such as banks and credit unions refuse to entertain a person with a tight finance. In such a situation, a person who needs a car for traveling purpose finds it difficult to fulfill his needs. Private auto dealers lend money at a flexible rate to enable anyone and everyone apply for a car loan.

An executive will sit with you face to face to discuss in detail about your loan requirements. The customer support team can help you choose a loan that is perfect to meet your needs and budget. He will guide you step-by-step through the lending process explaining you clearly about the various aspects of getting a loan.

One of the prime benefits of getting a car loan from a private dealership is that you can be able to repay the loan for an extended period of time if you so request the dealer. While taking auto loans for bad credit ensure you are well-versed with the terms and conditions of the lending process from beforehand to avoid any chances of mis-communication in the future. Before signing the papers, read the smallest of details in the transaction papers and if you have any questions, ask the dealer immediately.

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Auto Loans For Bad Credit – Getting Easy Approvals

With web based lenders, it has now become possible for customers with poor credit rating to drive a car of their dreams. Gone are the days when you had to queue up before the counters of traditional banks to get the borrowed amount approved. As far as traditional banks and financial institutions are concerned, they will approve your loan based on a number of conditions. You need to have a good bank balance plus you need to provide something as a collateral security. You also need to have a clean credit report to get the sum sanctioned. However, the situation now has completely changed. With auto loans for bad credit, you are free to apply for a loan of any amount no matter what your credit score is.

The interest you are required to pay is also less than that what other traditional institutions charge. So, what you should do to get fast pre-approvals so that you can drive your dream car and go for a long weekend drive? To get your answers, keep reading this article.

Get Your Credit Report Checked

According to experts in the industry, it is essential that borrowers get a copy of their credit report from Experian, Equifax, and TransUnion. The report can be obtained at zero cost from these organizations. Before applying for an auto credit loan, it is imperative that you know what your score is and where you stand financially.

Is the Lender Authorized?

The lender or dealer you are approaching should have a legitimate authorization to lend you the amount. Stay away from lenders who are dubious and have no legal authorization to approve loans or sell cars.

Look for Lowest Rates of Interest

Getting the best loan deal is not as simple as it sounds, especially when there are multiple Internet-based providers. You need to take your time to research thoroughly to get the best interest rates. Compare prices and interest rates of at least 5-6 lenders and choose the one that suits your car financing needs. Make sure that you are able to afford the monthly interest once the loan is approved.

Opt for a Pre-Owned Vehicle in Good Condition

If you have limited funds and not able to make a substantial initial payment, it’s prudent to invest in a used car that is in good condition. That’s because a used vehicle will cost less than a brand new car. This way, both down payment and monthly interest rates will be less. However, make sure that the car is in an up and running condition when it comes to brakes, engine performance, mileage, transmission, interior multimedia system, and windshield.

Zero or Low Initial Payment

When looking for auto loans for bad credit, make sure that the lending company offers you flexible down payment options. If your financial situation is really bad, some of these lending companies may agree to a low or zero initial payment. Look for web based lenders who walk the extra mile to offer you with the best deals and price.

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Banks That Offer Auto Loans For Bad Credit Individuals – 5 Tips

When it comes to auto loans, people with good or excellent credit (credit scores above 700) don’t know how good they have it. For these borrowers, auto loans are easy to come by. And, not only that, but these lucky folks are offered at the lender’s primo interest rates: the lowest the lender is able to offer to anybody. Yes, for such a borrower, one can feel like a V.I.P. when they walk into the lending office.

But, what about the rest of us? Those with fair or poor credit scores do not have such a nice time when attempting to finance a car. If a bad credit person even gets approved at all, they count themselves lucky – and then smile while paying ridiculous interest rates.

Fortunately, there are banks that offer auto loans for poor credit individuals. These auto lenders can be a godsend for bad credit individuals who need a car. Here are 5 tips for getting approved for the best-possible interest rate from these banks:

1. Most banks avoid credit-challenged individuals like the plague:

There is a good reason why most banks do not like to lend to bad credit individuals. And, it may not be for the reason that you think. Sure, banks feel they are at greater risk for a loan default when they lend to people with poor credit scores. But, that is not the real reason why they prefer not to loan to them. The real reason is: looking at factors beyond the credit score is more work for them.

You see, banks know that there are plenty of credit-worthy people out there who have low credit scores. But, taking the time to identify other factors that makes them worthy of an auto loan would just be too time-consuming. They would rather simplify everything down to a single 3-digit credit (FICO) score. And, who can blame them?

2. Some banks actually seek out bad credit individuals to lend to:

The good news is that there are a handful of banks out there who actually look to lend to people with low credit scores. These banks are willing to take a bit more time to really understand each individual borrower to determine whether they are worthy of lending to. In short: they look beyond the credit score.

3. Start with a list of multiple bad credit lenders and make them fight over you:

To get hooked up with one of these banks, start by searching for and making a list of multiple bad credit lenders. You are going to want to “force” them to compete for your business, so make sure that your list includes at least 3-4 lenders.

4. Know your credit score:

Spend a few minutes to find out your credit score with one, if not all three, of the major credit bureaus. Even if you already know you have a bad credit score, you will be more empowered in negotiations if you know exactly where you stand.

5. Before applying, choose a reasonably-priced car:

One final tip: before applying for loans with these lenders, make sure to choose a car that is within your means. It is true that some bad credit lenders will lend almost any amount of money to the right borrower, but the fact is that you will increase your chances of loan approval by choosing a reasonably-priced car.

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How to Earn Approval for Auto Loans for Bad Credit

You heard that it is difficult to get an auto loan approved if you have bad credit history, and yet, you believe that there must be some ways to help you get auto loans for bad credit. Someone truly said, if there is will, there is a way. The fact remains that though most lenders are reluctant to approve car loans, there are some auto loan providers that help you get car loans approved.

These lenders help you get auto credit loans even if you have a bad credit score or no credit history at all. Let me tell you how these providers guarantee to get you approved loans. I’m also going to tell you the tricks to help you choose the best and most reliable lenders of auto credit loans.

Lenders who offer auto loans despite your bad credit history or no credit score at all need not necessarily be banks or financial businesses. Rather, if you approach banks or other financial organizations for auto loans for bad credit, there are high chances that you will be refused. The prime reason why your loan application is not approved is that they are not convinced about your ability to pay the loan back in time. Since you have bad credit, you really have no ground to prove your reliability.

Now if you approach a reputed loan approval company, the trick’s done. The loan approval service providers have a worldwide network of various financial organizations. When you make the approach, your application for a car loan may get rejected. But when these loan approval companies approach them for your car loan, they are easily convinced. It is due to their persuasion that your car loan application gets sanctioned. They convince the lender on your behalf that your financial ability is not what your credit history reveals, and that you are able to pay the loan back in time.

Now that you understand why loan approval service providers are essential for getting auto loans for bad credit, you should start finding one, if you are planning to buy a new car on loan. It is not at difficult at all. All you have to do is to search for ‘auto loans for bad credit’ on Google and you will find websites of lots of providers who help you get auto credit loans. Making the right choice is, of course, your task.

You really have to be very careful when you choose the service provider who gets your loan approved. There are individual service providers and organizations as well. I’d suggest you to go for the organizations. Since it is a matter of faith and reputation that works as the key factors in convincing the lenders, a reputed and authorized organization is always preferred by the lenders. You should also check out for the online reputation of the service provider. This will help you filter your search and help you find the best and most reputed service provider for guaranteeing auto loans for bad credit.

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The Benefits Of Getting A Personal Loan

A personal loan is usually not secured. It means collateral does not need to be provided by you when you borrow. The loan is offered to you by the lender on the basis of your credit and qualifiers. You can easily get the approval of loan, if you have a good credit. A lower interest rate can also be offered to you. Visit a financial institution or search online to get a personal loan.

Here is a list of some of the benefits of such a loan.

Lower interest rate – If you have good credit, then personal loans with lower interest rates can be availed by you. Around 15% APR on a credit card balance is paid by the people with lower credit card balance. But if you have good credit, you have to pay only 6% APR. While making a big purchase, it is considered as a big difference.
Use for many purchases – Your cash can be used by you for making any purchase. A loan of this type can be used even for purchasing a vehicle, starting a business or renovating your house. Restrictions may be placed by other types of loans on the usage of fund. But the conditions of using a personal loan are flexible and can be used for any purchase.
Consolidate debt – High interest debt can be consolidated by using a personal loan. Several smaller debts with high interest such as credit cards and student loans can be paid off by using a larger loan. Money on interest can be saved if you consolidate your debt by using this loan. Your debt repayment plan can be managed in a better way by combing several loans in one place.
Smooth your cash flow – Your cash flow can be smoothened by using a personal loan. A personal line of credit can be got by you, by using your personal loans. You have to pay a low interest rate in this alternate way of use. An emergency fund doesn’t need to be raised for future. The borrowed amount can be repaid by accessing your line of credit.
Boost your credit score – Your credit score is counted depending on your different types of accounts. One type of credit is represented by credit cards. In this case, you can use your credit score to handle your loans. Your score can be boosted slightly by adding instalment loans in your credit report.
Thus, save a huge amount on all your purchases by using a personal loan. Always remember to compare different loans before borrowing any sum.

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Five Reasons for Refusal of a Personal Loan

Don’t you wish personal finance were a mandatory course in college? Unfortunately, too many of us learn by mistake. When you need a personal loan and are rejected, you might be baffled as to what went wrong- and how to fix it. Here are some clues.

NO CREDIT

No credit is a situation where you have never used credit and therefore have no credit history for the bank to review. They have no way of making an educated decision on whether or not you will pay back a personal loan based on your credit history. No credit is worse than bad credit. Qualifying for and making regular payments on these types of introductory forms of credit can overcome a “no credit” score:

· Student Loans

· Secured credit card (includes a down payment amount)

· Being added to a parent’s or spouses good credit: card, car loan, etc.

LOW CREDIT

Low credit takes on several forms. If you’re using more than 30% of your allowable debt, it can negatively impact your score. Too many inquiries from shopping around for loans will also hit you hard. Lapses in payment, defaults, or bankruptcies are giant red flags and can take a long time to rebuild from.

Other things that lenders may look at are whether or not you have sizeable assets should you default on the loan. They also check to see if your debts are diversified or if you are only carrying one type of debt.

INCOME

Proof of income is generally required when applying for a personal loan. If you are unemployed or underemployed, it can work against you in the loan approval process. Lenders may also require a work history to see how long you have been with your current employer, and to determine if you typically have job stability. Frequent job loss or change will tell a creditor that your payments may not be reliable.

PURPOSE OF THE LOAN

Believe it or not, your application can be rejected due to your proposed purpose for the loan. Financial institutions have the right to set up the parameters surrounding their disbursements and can accept or reject your application based on what you want to use the money for.

BLACKLISTING

If you’ve defaulted on debt before, your name may be put on a list of whom not to loan to,’ also known as a “Blacklist.” This will follow you around for a long time and is difficult to erase. If you do resolve the debt issues, get documents to prove the resolution.

NO CREDIT CHECK LOAN

If you need a loan now, but are concerned that you might not qualify for a personal line of credit, you can qualify for a No Credit Check Loan. You could be on your way to a better financial future in no time!

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A Latin Impact on the Finance Industry

Financial Institutions are a fantastic business model to learn from when considering ever changing market conditions. Their traditional target markets are stable, but, the needs of an emerging market, the Latino market is extremely underserved. It is certainly not for lack of money. Many Latinos have zero debt and healthy saving habits. The question arises, are financial institutions doing enough to serve this population? Are they adapting to the Latino needs? The answer is complicated.

There are two types of Latinos in the USA. One is the immigrant seeking a better life and wanting the American dream, whether they came through the proper channels or not it is irrelevant. The second, are the Latinos that are born here. These are two very different groups of people with different needs and goals. Most immigrants bring their culture, traditions, and customs with them to the US. Those born here develop a blended culture that is both Latino and American.

Financial Institutions are taking notice and making strides to accommodate this very economically influential population. The main reason is that there is a lot of investment in education and developing trust. An untold detail is that in Latino countries, people do not trust banks and financial institution because of corruption. Everything is paid in cash and there are no debt or traditional credit scores. This means that the Latino community have cash, probably stored under their mattress or in a shoe box. This is very dangerous considering that a house fire could burn an entire life savings. Another scenario is they could become a target for robbery. This is a foreign concept for Americans. What is happening is a huge learning curve, educating them on the process of building credit, saving their money in a financial institution, getting loans (mortgage, car, etc.), and most important having trust in the financial institutions.

The younger generations that are born here learn from their parents and surroundings. There is still a disconnect from the importance of financial products, building credit, and how that process works. Many of these young people are just translating for their parents, explaining financial products, and become an intermediary for conducting business. You will notice an increase in bilingual support at many financial institutions for this reason. There is still a lot of work to do in this regard, and this process will take time.

However, more and more financial institutions are offering products specific to Latinos. Information is becoming available in Spanish and more financial institutions are hiring bilingual and multi-lingual speakers. It will be interesting to see how we as a country adapt to this important demographic. It is truly an untapped market that has an important function in our economy for growth and stability.

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6 Home Loans Tips Before Applying

Applying for home loans could be dreadful, particularly on the off chance that you are a first-time home purchaser. There’s a considerable measure of printed material and indulgent preparing included. Yet at the same time, it is justified regardless of your exertion. This far reaching contract aide will walk you through the way toward securing financing for your home and make you feel that applying for a home loan is not that horrible all things considered.

1. Know about them Lender or Broker?

There are two approaches to apply for a home loan. To start with, you can manage a loan specialist or home loan organization straightforwardly. Second, you can procure a home loan representative who will help you look over an assortment of moneylenders. Most homebuyers think that its less demanding and less expensive to choose a loan specialist, without assistance from the outsider. In addition, with a specific end goal to locate an equipped and solid agent, you should do a really decent research and get references. That is the reason a great many people like to keep it straightforward and manage a bank themself. In a few circumstances, be that as it may, merchants can really work to support you. For instance, if your record of loan repayment is not all that good, an accomplished dealer might be exceptionally useful in shopping and arranging for the most ideal arrangement.

2. Know the True Rates

The publicized rate frequently snatches borrowers’ consideration yet it is really not the one that borrowers ought to depend on. The AAPR or “the genuine rate” is a much better guide, as it checks every one of the expenses and charges that will happen over the term of your loan. In spite of the fact that the AAPR is a stage up from the publicized rate, it is still only a quantitative device. Once you’ve chosen a couple loans in view of their AAPRs, you will at present need to investigate their different elements. Some worldwide think-tanks, for example, CANNEX and AIMS Home Loans can outfit you with some canny data about mortage loans and help you limit down your choices quicker.

3. Know about loans details & terms

When you search for a home loan and read through various home loan terms and conditions, you will go over money related wording that you most likely won’t discover somewhere else. It is critical for you to comprehend those home loan terms with the goal that you can secure the most ideal arrangement. Truth be told, numerous money related foundations and land firms offer free homebuying workshops, which can help you comprehend what individuals are discussing in land business. Here are some fundamental home loan terms that you ought to know:

APR – Yearly rate, expected to mirror the yearly cost of acquiring. It is otherwise called the “promoted rate” or “feature rate”, that ought to make it less demanding for borrowers to think about moneylenders and loan alternatives.

Closing Costs – Shutting costs incorporate “non-repeating shutting costs” and “prepaid things.” Non-repeating shutting expenses are any things to be paid only once as a consequence of purchasing the property or acquiring a loan. Prepaid things are things which repeat after some time, for example, property charges and mortgage holders protection. Normally a moneylender should gauge both the measure of non-repeating shutting costs and prepaid things, then issue them to the borrower inside three days of accepting a home loan application.

Collateral – An insurance is the thing that you use to secure a loan or ensure reimbursement of a loan. In a home loan, the property is the security. The borrower will lose their property if the loan is not reimbursed by assentions of the home loan.

4. Check Your Credit

When you apply for a home loan, your whole record as a consumer will be investigated by your forthcoming moneylender. FICO ratings more than 620 have a decent risk of getting affirmed for a home loan with a decent financing cost. On the off chance that your score is beneath 600, in any case, your application might be denied or you may get affirmed at a much higher loan fee. Whether you have a decent or terrible financial assessment, what you ought to do is check your credit report before your bank does. You can get your credit report from Equifax, Experian and Trans Union. In the event that there are any mistakes, attempt to contact these three organizations and clear them up. This procedure can take a great deal of time, so it is something you ought to do a while before apply for a home loan. Paying down your budgetary commitments, for example, Visa obligation and auto loans, before applying for a home loan is additionally an extraordinary thought.

5. Don’t afraid from your bad credit score

Regardless of the possibility that you have an awful financial record, you ought to in any case glance around for the best arrangement. Don’t simply expect your lone choice is a high-taken a toll loan. On the off chance that your credit issues were created by unavoidable circumstances, for example, ailment or a brief loss of pay, disclose your circumstance to the loan specialist or intermediary. Ask a few banks what you need to do keeping in mind the end goal to get the least conceivable cost.

6. Verify and clarify all the things

A pre-endorsement letter is extremely useful, yet not as awaiting as you may think. When you locate a home you’d like to purchase, and your offer has been endorsed, you will need to do a reversal to the moneylender and submit archives that confirm your monetary data to get a loan. Your benefits will be assessed. The loan specialist will investigate your work history. You ought to have no less than two years of business history in the same profession. On the off chance that you are new to the work power, advanced education may help you get endorsed. In the event that you don’t have a sufficient record as a consumer, you may utilize normal regularly scheduled installments, for example, lease, telephone, or satellite TV to demonstrate the loan specialist that you are a reliable shopper.

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The Role of Islamic Finance in Economic Stability and Social Justice

One of the most distinguishing times for the U.S. Islamic home financing industry began in February 2007. The Federal Home Loan Mortgage Corporation (Freddie Mac) sent out a press release announcing that it would no longer buy the most risky subprime mortgages and mortgage backed securities. Two months after the announcement, a leading subprime mortgage lender filed for Chapter 11 bankruptcy protection. Three months after that bankruptcy filing, nationwide financing entities warned of “difficult conditions” ahead. Manifestations of such difficult conditions appeared on the horizon of the financial market when once well-established mortgage companies suddenly began to file for Chapter 11. Similar circumstances reached the U.K. as the Bank of England cleared an authorization to provide liquidity support to Northern Rock, the country’s fifth largest mortgage lender. Five months later, Treasury of the United Kingdom became the owner of Northern Rock.

Up until that point, the gravity of these “difficult conditions” was not fully understood by most of the populace. Late in 2008, the Federal Reserve Bank of New York was authorized to lend $85 billion to the AIG. This was the beginning of the most serious recession in the United States since the Great Depression. What followed was a chain reaction that led to an unprecedented global financial crisis, as the world suffered from rising unemployment, rampant foreclosures, and severe skepticism of financial instruments.

This led to a renewed spotlight on an unfamiliar market segment that appeared comparatively more stable and, more importantly, far more ethical: the Islamic financing sector. From the financial centers in Malaysia to the Middle East, spanning across over seventy countries, Islamic finance in the U.S. increased from $5 billion in the 1980s to $1 trillion in 2010. This phenomenal growth caught the attention of global investors who were seeking to safeguard their investments through more ethical and reliable financial instruments. When financial sector workers realized that these Shariah-compliant instruments avoided many of the worst effects of the global financial crisis, it became an attractive investment vehicle to support a more diverse portfolio. The Shariah-compliant financial sector has avoided investment in predatory lending businesses and overly leveraged financial instruments due to the strict ethical nature of the Shariah governance system. News and media outlets started to cover this ancient yet unfamiliar industry in hopes of learning from the mistakes of the conventional banking sector.

The concept of the modern Islamic financial services industry is rooted in the principles of Islamic legal jurisprudence that deals with financial transactions, a branch of Islamic jurisprudence called Fiqh Al Muamalat. Fiqh Al Muamalat is a framework under Islamic Law that charts the conduct of Muslims in commercial or economic endeavors. Islamic finance products and rulings are based on specific injunctions from the Quran that prohibit certain features of financial transaction models and related economic activities.

The Quran forbids interest, also called usury or riba. The underlying reasoning is that Islam considers lending to be a charitable act to help another member of the society in his/her time of need – therefore, profiting from someone’s hardship is strictly forbidden. In the conventional banking system, when interest is charged on a loan, the risk of that transaction is transferred to the borrower while the lender gains profit from the interest-based transaction. There is no consideration for the hardships endured by the borrower in the event they undergo any loss from the transaction.

By its nature, Shariah law prohibits unethical financial practices. It also promotes wealth distribution among all people to reduce poverty and inequity. This is manifested in the prohibitions of activities such as excessive speculation, gambling, and investing in products that are harmful for society as deemed by Islamic law (alcohol, pornography, etc). The structure of Islamic financial products and services, especially its prohibition in speculative transactions, has helped the industry escape most of the adverse effects of the global financial crisis. The governance model of Islamic financial institutions has been praised as an ethical alternative by institutions such as the International Monetary Fund and the World Bank. Economic experts have suggested that Islamic financial principles can be leveraged to promote financial inclusion that uplift the quality of life in developing nations. Islamic financial principles can also contribute to financial stability and economic development around the world.

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