Benki ya Kiislamu inapataje faida?

[tabu kuishi]

wewe sio muislam hujui islamic finance unafanya majungu acha kuzungumzia mambo usiyo na elimu nayo,

 

[Jembe_Ulaya]

Umeikata aya kwa faida yako ! Aya haiko hivyo ulivyo ichukua. Na umefanya hivyo ili upotoshe.
Mwenyezi Mungu anasema mla riba amesimama kwa nguvu za Shetani kwani mla riba anadai Biashara haiendi bila riba !
Mwenyezi Mungu amebariki Biashara na ameharamisha riba ! Wacha upotoshaji !

Tatizo lako kubwa ni inferiority compex au labda akili ndogo, kweli sielewi!!

Swali lipo very clear, Benki ya Kiislam inapataje faida?, unatakiwa ujibu kwa hoja na sio kutoa shallow answers!

Last week nilikuwa kwenye workshop ya KCB Bank, bank hii ndiyo ya kwanza kuanzia kitengo cha Islam banking. Mama mmoja mwislam alilalamika sana sababu alichukuwa mkopo na aliambiwa hakuna riba lakini alikatwa hela nyingi sana na hakuona tofauti na benki nyingine. Alichojibiwa ni kwamba additional costs ni kwa ajili ya kuservice huo mkopo!!, malalamiko yalikuwa mengi sana hadi jamaa wa KCB wakadai wataangalia namna ya kupunguza hizo costs.

Siyo kila kitu unakuwa kwenye self defence! Mambo mengine unaweza ukajifunza na hata kutoa malalamiko kama benki zinatumia mwavuli wa ismam banking kutapeli wateja, huu wote ni ujanja ili wapate wateja wengi na kupata faida.

 

[Unga wa Kitarasa]

PrinciplesIslamic banking has the same purpose as conventional banking: to make money for the banking institute by lending out capital. But that is not the sole purpose either. Adherence to Islamic law and ensuring fair play is also at the core of Islamic banking. Because Islam forbids simply lending out money at interest (see riba), Islamic rules on transactions (known as Fiqh al-Muamalat) have been created to prevent this perceived evil. The basic principle of Islamic banking is based on risk-sharing which is a component of trade rather than risk-transfer which we see in the conventional banking. Islamic banking introduces concepts such as profit sharing (Mudharabah), safekeeping (Wadiah), joint venture (Musharakah), cost plus (Murabahah), and leasing (Ijar).
In an Islamic mortgage transaction, instead of loaning the buyer money to purchase the item, a bank might buy the item itself from the seller, and re-sell it to the buyer at a profit, while allowing the buyer to pay the bank in installments. However, the bank's profit cannot be made explicit and therefore there are no additional penalties for late payment. In order to protect itself against default, the bank asks for strict collateral. The goods or land is registered to the name of the buyer from the start of the transaction. This arrangement is called Murabahah.
Another approach is EIjara wa EIqtina, which is similar to real estate leasing. Islamic banks handle loans for vehicles in a similar way (selling the vehicle at a higher-than-market price to the debtor and then retaining ownership of the vehicle until the loan is paid).
An innovative approach applied by some banks for home loans, called Musharaka al-Mutanaqisa, allows for a floating rate in the form of rental. The bank and borrower form a partnership entity, both providing capital at an agreed percentage to purchase the property. The partnership entity then rents out the property to the borrower and charges rent. The bank and the borrower will then share the proceeds from this rent based on the current equity share of the partnership. At the same time, the borrower in the partnership entity also buys the bank's share of the property at agreed installments until the full equity is transferred to the borrower and the partnership is ended. If default occurs, both the bank and the borrower receive a proportion of the proceeds from the sale of the property based on each party's current equity. This method allows for floating rates according to the current market rate such as the BLR (base lending rate), especially in a dual-banking system like in Malaysia.
There are several other approaches used in business transactions. Islamic banks lend their money to companies by issuing floating rate interest loans. The floating rate of interest is pegged to the company's individual rate of return. Thus the bank's profit on the loan is equal to a certain percentage of the company's profits. Once the principal amount of the loan is repaid, the profit-sharing arrangement is concluded. This practice is called Musharaka. Further, Mudaraba is venture capital funding of an entrepreneur who provides labor while financing is provided by the bank so that both profit and risk are shared. Such participatory arrangements between capital and labor reflect the Islamic view that the borrower must not bear all the risk/cost of a failure, resulting in a balanced distribution of income and not allowing the lender to monopolize the economy.
Islamic banking is restricted to Islamically acceptable transactions, which exclude those involving alcohol, pork, gambling, etc. The aim of this is to engage in only ethical investing, and moral purchasing. The Islamic Banking and Finance Database provides more information on the subject.[SUP][30][/SUP]
In theory, Islamic banking is an example of full-reserve banking, with banks achieving a 100% reserve ratio.[SUP][31][/SUP] However, in practice, this is not the case, and no examples of 100 per cent reserve banking are observed.[SUP][32][/SUP]
Islamic banks have grown recently in the Muslim world but are a very small share of the global banking system. Micro-lending institutions founded by Muslims, notably Grameen Bank, use conventional lending practices and are popular in some Muslim nations, especially Bangladesh, but some do not consider them true Islamic banking. However, Muhammad Yunus, the founder of Grameen Bank and microfinance banking, and other supporters of microfinance, argue that the lack of collateral and lack of excessive interest in micro-lending is consistent with the Islamic prohibition of usury (riba).[SUP][33][/SUP][SUP][34][/SUP]

mkuu wewe ni mtanzania....mbona swali limeulizwa kiswahili unajibu lugha nyingine sio wote tunajua hiyo lugha....asante

 

[Unga wa Kitarasa]

ku "digest" na kuelezea vitu "in real life context" ni kipaji,si kila mtu anaweza kufanya hivyo!!

so utaka kusema mkuu amekopi na kupesti...

 

[TUKUTUKU]

so utaka kusema mkuu amekopi na kupesti...

Precisely mkuu,nashukuru sana kwa kunielewa!!

 

[PYU]

du zimu likujualo alikuli likakwisha

 

[Ally Kombo]

Kiimani upo sahili, lakini uhalisia ni mambo yaleyale, sababu kuna ushauri (ushawishi) wa kidini unaokuomba/kukushauri utoe kiasi fulani cha faida kama zaka. zaka=riba. Na dizaini tu za kuomba hiyo ada ili biashara iendelee.

Kucheka na kulia zote ni kelele ! lakini kila kitendo kina maana yake, kulia ni kwa huzuni/maumivu na kucheka ni furaha !
Hivyo basi Riba na Zaka haviwezi kuwa sawa hata wakati mmoja. Kifupi, Zaka ni kodi inayotozwa kwa mwaka baada ya kuthaminishwa mali zako zote ikiwemo na Fedha Taslim, na hutozwa kila baada ya mwaka !
Majina ni tofauti na maana pia ni tofauti. Riba si sawa na Zaka, kama ilivyo Zaka si sawa na Sadaka.
Upotoshaji ni dhambi na kujidhalilisha..

 

[Ally Kombo]

du zimu likujualo alikuli likakwisha

..............ndo kusema !!!? 😕:confused2:

 

[Ally Kombo]

Tatizo lako kubwa ni inferiority compex au labda akili ndogo, kweli sielewi!!

Swali lipo very clear, Benki ya Kiislam inapataje faida?, unatakiwa ujibu kwa hoja na sio kutoa shallow answers!

Last week nilikuwa kwenye workshop ya KCB Bank, bank hii ndiyo ya kwanza kuanzia kitengo cha Islam banking. Mama mmoja mwislam alilalamika sana sababu alichukuwa mkopo na aliambiwa hakuna riba lakini alikatwa hela nyingi sana na hakuona tofauti na benki nyingine. Alichojibiwa ni kwamba additional costs ni kwa ajili ya kuservice huo mkopo!!, malalamiko yalikuwa mengi sana hadi jamaa wa KCB wakadai wataangalia namna ya kupunguza hizo costs.

Siyo kila kitu unakuwa kwenye self defence! Mambo mengine unaweza ukajifunza na hata kutoa malalamiko kama benki zinatumia mwavuli wa ismam banking kutapeli wateja, huu wote ni ujanja ili wapate wateja wengi na kupata faida.

Nimekupa hizo aya zikiwa ni msingi wa hoja za kuwepo hizo Benki. Na aya ziko wazi, zinata Ifanwe Biashara na wala si kukopeshana hela ! Sasa huna haja ya kununa wala kulalamika. Unaweza kujiuliza KCB wameanzisha iliwaibie watu kwa mgongo wa Dini au wana practise katika misingi ya Dini inavyotaka. Kwanza kila kitu kina kuwa wazi na mnakubaliana kabla, sasa additional cost zinaingia wapi ?
Kwa kawaida, walipaswa hao waanzisha hivyo vitengo vya kuendesha biashara kwa mujibu wa Dini ya Kiislaam, wapate ridhaa ya Maulamaa (Wasomi wa Dini ya Kiislaam) na wakaguliwe kama wana practise kama inavyotakiwa.
Inaweza kuwa ni ubunifu umeingizwa wa kutaka kula pesa za watu !
Kutumia jambo kitapeli, hakuhalalishi kuwa Mfumo ni mbaya ! wanaweza hao KCB wakalalamikiwa, bahati mbaya hakuna bodi ya Udhibiti kama vile TCRA au TFDA (ambao wanatoa leseni na kudhibiti wakosaji katika maeneo yao ya Taaluma)
Maana pamoja na Utaalamu na Mitambo na wasomi, bado kiwanda cha madawa kwa makusudi kiliamua kutengeneza ARV fake !

 

[Hayajamani]

Kucheka na kulia zote ni kelele ! lakini kila kitendo kina maana yake, kulia ni kwa huzuni/maumivu na kucheka ni furaha !
Hivyo basi Riba na Zaka haviwezi kuwa sawa hata wakati mmoja. Kifupi, Zaka ni kodi inayotozwa kwa mwaka baada ya kuthaminishwa mali zako zote ikiwemo na Fedha Taslim, na hutozwa kila baada ya mwaka !
Majina ni tofauti na maana pia ni tofauti. Riba si sawa na Zaka, kama ilivyo Zaka si sawa na Sadaka.
Upotoshaji ni dhambi na kujidhalilisha..

Asante kwa ufafanuzi. Ila angalia mafungamano ya kidini/imani isikufanye uache kusababu mambo ya kawaida kwa kuyaona yanapingana na dini. Dini zinatuburuza, ki uhalisi riba ni tozo kama ulivyoelezea na zaka ni kwa namna ya kuomba huku kukiwa na msukumo/ushawishi/ubembelezi/mkwala wa kidini wenye unafiki ambao pato linaonekana kama vile hiari baada. Hivyo tuchukulie mambo kikawaida na kihalisi huku tukiupa ubongo wetu nafasi ya kusababu (reasoning), fanaticism ni tatizo sababu akili haifanyi kazi yake kwa upana na badala yake inakaririshwa yaliyoshaamuliwa.
Powa mwana JF, siku njema.

 

[mathematics]

Reading but understanding nothing,

 

[GKM]

kitaalam au kiingereza?

 

[The Pen]

Hivi hizi ni "Benki za Kiislam" au akaunti ndio za Kiislam? NBC si benki ya Kiislam lkn ina akaunti ya Kiislam.

 

[Ally Kombo]

Asante kwa ufafanuzi. Ila angalia mafungamano ya kidini/imani isikufanye uache kusababu mambo ya kawaida kwa kuyaona yanapingana na dini. Dini zinatuburuza, ki uhalisi riba ni tozo kama ulivyoelezea na zaka ni kwa namna ya kuomba huku kukiwa na msukumo/ushawishi/ubembelezi/mkwala wa kidini wenye unafiki ambao pato linaonekana kama vile hiari baada. Hivyo tuchukulie mambo kikawaida na kihalisi huku tukiupa ubongo wetu nafasi ya kusababu (reasoning), fanaticism ni tatizo sababu akili haifanyi kazi yake kwa upana na badala yake inakaririshwa yaliyoshaamuliwa.
Powa mwana JF, siku njema.

...........naheshimu msimamo wako, na kama huamini kuwa riba na zaka ni tofauti na kisha ukachukulia kuwa Dini ni pumbazo la kuwadanganya na kuwanyang'anya watu, poa tu !
Ila naomba nikuachie home work moja tu, unieleze, maana Mwenyezi Mungu anasema: Huwa anaweka baraka zake, katika Biashara na wanyama. Hivi Mtu Mmoja anawezaje kufikisha na kumiliki Ng'ombe mpaka 3,000, wakati huzaa ndama mmoja au wawili ?. Wakati huo huo Mbwa huzaa watoto 7 hadi 8, na Mbwa hawachinjwi ila Ng'ombe huliwa kila siku. Je, kwanini Ng'ombe hawapunguwi wakati huchinjwa kila siku ? hiyo ndio shani yake Mwenyezi Mungu, humzidishia bila kipimo amtakaye bila yeye kujua !

 

[Ally Kombo]

Hivi hizi ni "Benki za Kiislam" au akaunti ndio za Kiislam? NBC si benki ya Kiislam lkn ina akaunti ya Kiislam.

Amana ni Benki kamili ya Kiislaam, NBC ina Department ya Islamic Banking (Department which comply fully with Islamic principles, guidance and rules)

 

[Hayajamani]

...........naheshimu msimamo wako, na kama huamini kuwa riba na zaka ni tofauti na kisha ukachukulia kuwa Dini ni pumbazo la kuwadanganya na kuwanyang'anya watu, poa tu !
Ila naomba nikuachie home work moja tu, unieleze, maana Mwenyezi Mungu anasema: Huwa anaweka baraka zake, katika Biashara na wanyama. Hivi Mtu Mmoja anawezaje kufikisha na kumiliki Ng'ombe mpaka 3,000, wakati huzaa ndama mmoja au wawili ?. Wakati huo huo Mbwa huzaa watoto 7 hadi 8, na Mbwa hawachinjwi ila Ng'ombe huliwa kila siku. Je, kwanini Ng'ombe hawapunguwi wakati huchinjwa kila siku ? hiyo ndio shani yake Mwenyezi Mungu, humzidishia bila kipimo amtakaye bila yeye kujua !

Umejitahidi kukokotoa, ila sasa hizo hesabu za mfano sio kabisa. Kuna mbwa wengi kuliko Ng'ombe, idadi ya watu wanaomiliki idadi kubwa ya ng'ombe ni wachache sana ukilinganisha na wasiokuwa nazo. Pia idadi ya ng'ombe zinazozaliwa ni nyingi sana kuliko zinazochinjwa.

Ukikomalia hesabu hizo kaka lazima utakuwa umekaririshwa! Manake hata wanofuata hizo falsafa ...duu.. bado kabisa. Wameathirika kwa kutotumia nafasi/haki yao ya kutumikisha ubongo wao ili waendelee. Kifuatacho sasa..!!..

 

[Ally Kombo]

Umejitahidi kukokotoa, ila sasa hizo hesabu za mfano sio kabisa. Kuna mbwa wengi kuliko Ng'ombe, idadi ya watu wanaomiliki idadi kubwa ya ng'ombe ni wachache sana ukilinganisha na wasiokuwa nazo. Pia idadi ya ng'ombe zinazozaliwa ni nyingi sana kuliko zinazochinjwa.

Ukikomalia hesabu hizo kaka lazima utakuwa umekaririshwa! Manake hata wanofuata hizo falsafa ...duu.. bado kabisa. Wameathirika kwa kutotumia nafasi/haki yao ya kutumikisha ubongo wao ili waendelee. Kifuatacho sasa..!!..

Hebu tafakari hapa !
"Yeye (Mwenyezi Mungu) ndiye aliye kuumbeni kwa udongo, kisha akakuhukumieni ajali (kifo), na muda maalum (wa kuwepo kwa dunia) uko kwake tu.
Tena baada ya haya nyinyi mnatia shaka. Qur'an: Al Ana'am: 2.

Naomba ujiulize kilichomo ndani ya udongo na mwili wa mwanadamu unavyo ?
Mfano: Katika udongo unapata Calcium, Iron, Salt nk, Je, mwili wa Binaadamu hauna ?
Ni ipi katika Ishara zake Mnaikanusha ?

 

[Hayajamani]

Hebu tafakari hapa !
"Yeye (Mwenyezi Mungu) ndiye aliye kuumbeni kwa udongo, kisha akakuhukumieni ajali (kifo), na muda maalum (wa kuwepo kwa dunia) uko kwake tu.
Tena baada ya haya nyinyi mnatia shaka. Qur'an: Al Ana'am: 2.

Naomba ujiulize kilichomo ndani ya udongo na mwili wa mwanadamu unavyo ?
Mfano: Katika udongo unapata Calcium, Iron, Salt nk, Je, mwili wa Binaadamu hauna ?
Ni ipi katika Ishara zake Mnaikanusha ?

Kweli hata embe lina iron na mua pia vina madini ambayo kwenye udongo yapo vilevile. Asante sana kwa sayansi lakini nakushauri uendelee nayo kwa mapana, usikubali ukaririshwe tu badala yake tafiti na kusababu kiundani. Kuna wengine eti wameshikilia nadharia kama hizo cha ajabu ndio wa mwisho kwenye sayansi/tekinolojia na maendeleo mengine, wanajikuta wanakuwa wabishi mno, wakakamavu na kuishia kwnye malumbano ya kuitikadi kitu ambacho hakijawahi kuwepo na labda hakitakuwapo kamwe.

Siku na kazi njema ndugu.

 

[Hayajamani]

Hebu tafakari hapa !
"Yeye (Mwenyezi Mungu) ndiye aliye kuumbeni kwa udongo, kisha akakuhukumieni ajali (kifo), na muda maalum (wa kuwepo kwa dunia) uko kwake tu.
Tena baada ya haya nyinyi mnatia shaka. Qur'an: Al Ana'am: 2.

Naomba ujiulize kilichomo ndani ya udongo na mwili wa mwanadamu unavyo ?
Mfano: Katika udongo unapata Calcium, Iron, Salt nk, Je, mwili wa Binaadamu hauna ?
Ni ipi katika Ishara zake Mnaikanusha ?

Kweli kaka, safi sana kwa jitihada zako za kujifunza sayansi. Hata maembe na miwa pia ina madini yanayopatikana katika udongo. Ila sasa uwe makini sana, usikubali kukaririshwa tu sababu kuna watu fulani wana itikadi na elimu kama hiyo, iliyojaa hadithi na hekaya. Wamekomazwa saana kuamini kitu ambacho hakijakuwepo na labda kamwe hakitatokea. Cha kushangaza ndio watu wa mwisho kisayansi/teknolojia, wanatumaini/kuamini bahati/nasibunasibu tu, kutokuwa pia na maendeleo mengine. Badala yake ni wakomavu kwenye ubishi usio na tija, wakakamavu kwa itikadi fulani, vurugu na kuhangaisha wengine n.k.

Kila la heri kaka na nakutakia siku njema.

 

[Genekai]

Watakuwa na visima vya mafuta Uarabuni hao!