Banking techniques, new alternative of engineering institutions of Islamic finance, ideal vs. reality: the way forward

The global financial crisis showed the difficulty of access to the economic and financial balance in the context of priority speculative symbolic economy. The Islamic finance, which, is characterized by the distribution of risk and avoid selling debt and risks, and the abolition of 'riba'-based transactions, and encourage contracts related to the real economy, one of the most important alternatives to contain the economic fluctuations. It is therefore incumbent on the Islamic finance industry that is keen to create new products and financial instruments embody sectarian and privacy of Islamic economics, and interact with the developments in the banking and financial framework 'Sharia'. And the actual needs of the real economy, including allowing the evolution of the economic balance of Islamic finance. If the products of the Islamic financial industry just a reformulation of the traditional financial products; the result ultimately threatens the balance and economic stability.