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At present it is just a use on terms. Real Islamic Banking can only be done by using TMCL-Time Multiple Counter Loan. Meaning exchange of loans between customer andd bank. Both parties gives loans to each other but for a different time period and different amount. So the Bank can actually involve in business and earn profits and at the same time the customer can also benefit from the amount by not giving a single penny on the loaned amount. This would be a 100% Islamic Banking with no inflation.

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