Financial institutions need to enhance pre-lending screening and post-borrowing monitoring. It is also problematic that, in many countries, debt receives advantageous tax treatment, which favors leverage over equity and profit/loss-sharing arrangements.
但实现伊斯兰金融的潜力需要强大的监管。金融机构需要加强贷款前检查和借款后监测。另一个问题是，在许多国家，债务偿付要优先于税收，因此杠杆要比股权和盈亏共担安排更具吸引力。这需要有所改变。