Riba za Banks - Usahihi

Wakuu hembu mnijuze kwenye riba za banks.
Ni Banks gani zenye interest kubwa .
Halafu naomba mnisaide kukokotoa hii hapa.
Kuna Jamaa yangu kaingia kwenye Mkopo wa Bank moja huko huko Dar,amekopa Tsh: 3,500,000 anatakaiwa kulipa 4,738,667.Je hapo interest ipoje
Maana mie naona kama imekaribia 35%.
Na je hizi Interest ni kila Bank inajiamlia yenyewe au inakuwa monitored na BOT?

Atailipa hiyo pesa kwa miaka mingapi?

Islamic banking systems ndo solutions kwa dhulma hii,,,, jaribu kuona bank za kiislam ... you must understand Riba ni kharam

Kwa muda gani?

Zanzibar Spices said:

Wakuu hembu mnijuze kwenye riba za banks.
Ni Banks gani zenye interest kubwa .
Halafu naomba mnisaide kukokotoa hii hapa.
Kuna Jamaa yangu kaingia kwenye Mkopo wa Bank moja huko huko Dar,amekopa Tsh: 3,500,000 anatakaiwa kulipa 4,738,667.Je hapo interest ipoje
Maana mie naona kama imekaribia 35%.
Na je hizi Interest ni kila Bank inajiamlia yenyewe au inakuwa monitored na BOT?

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Hili jina lako nilidhani ni muislamu. Kumbe ahlu-riba..:sad:

DZUDZUKU said:

Atailipa hiyo pesa kwa miaka mingapi?

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Mwaka mmoja

msumeno said:

Islamic banking systems ndo solutions kwa dhulma hii,,,, jaribu kuona bank za kiislam ... you must understand Riba ni kharam

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Wanatoa mikopo?

ndio lakini ni partnership ww na wao..unatakiwa uende na mchanganuo unaolipa

msumeno said:

Islamic banking systems ndo solutions kwa dhulma hii,,,, jaribu kuona bank za kiislam ... you must understand Riba ni kharam

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Kwa nini riba ni kharam?

msumeno said:

Islamic banking systems ndo solutions kwa dhulma hii,,,, jaribu kuona bank za kiislam ... you must understand Riba ni kharam

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Kaka ninachojua mimi hakuna tofauti yoyote ya islamic banking na hizi bank nyingine.Tofauti iliyopo ni jina tu ambayo huko RIBA huitwa Mrahaba. Tafuta mtu aliyepata huduma hiyo akuambie ukweli wake.

Kiranga said:

Kwa nini riba ni kharam?

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Mkuu ukisema neno RIBA niharamu but Mrahaba nihalali but maana yake moja hasa kwenye suala la mikopo.

dmaujanja1 said:

Mkuu ukisema neno RIBA niharamu but Mrahaba nihalali but maana yake moja hasa kwenye suala la mikopo.

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Swali langu, ambalo ni "Kwa nini riba ni haramu?", halijajibiwa.

Umeongeza habari ya mrahaba tu, na kunichanganya zaidi kwa kuniambia kwamba ingawa riba na mrahaba maana yake ni moja lakini riba ni haramu na mrahaba ni halali.

Inakuwaje vitu viwili vyenye maana sawa vikawa tofauuti, hiki haramu hiki halali?

Badala ya kujibu swali langu moja umeniacha si tu sijajibiwa swali langu la awali, bali umenipa swali jipya zaidi ya la awali.

msumeno said:

Islamic banking systems ndo solutions kwa dhulma hii,,,, jaribu kuona bank za kiislam ... you must understand Riba ni kharam

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ok kama "riba ya bank" ni haramu basi bora tuiite "FAIDA ya bank" nadhani itakuwa halali na yaweza kukuumiza zaidi kuliko ilivoiitwa "RIBA "

Kiranga said:

Swali langu, ambalo ni "Kwa nini riba ni haramu?", halijajibiwa.

Umeongeza habari ya mrahaba tu, na kunichanganya zaidi kwa kuniambia kwamba ingawa riba na mrahaba maana yake ni moja lakini riba ni haramu na mrahaba ni halali.

Inakuwaje vitu viwili vyenye maana sawa vikawa tofauuti, hiki haramu hiki halali?

Badala ya kujibu swali langu moja umeniacha si tu sijajibiwa swali langu la awali, bali umenipa swali jipya zaidi ya la awali.

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Kiranga@ Hilo ni suala la kidini am not good at it ngoja waje wataalam Note: Mimi nimekoment kihali halisi nisihukumiwe hakuna tofauti ya Riba na Murahaba. Sorry sijajibu swali lako

dmaujanja1 said:

Kiranga@ Hilo ni suala la kidini am not good at it ngoja waje wataalam Note: Mimi nimekoment kihali halisi nisihukumiwe hakuna tofauti ya Riba na Murahaba. Sorry sijajibu swali lako

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Inaonekana kama hawa waislamu wanabadilisha majina na kuacha kitu kile kile kama wauza fedha wa Wall St.

Unless someone actually differentiate the two.

Zanzibar Spices said:

Wakuu hembu mnijuze kwenye riba za banks.
Ni Banks gani zenye interest kubwa .
Halafu naomba mnisaide kukokotoa hii hapa.
Kuna Jamaa yangu kaingia kwenye Mkopo wa Bank moja huko huko Dar,amekopa Tsh: 3,500,000 anatakaiwa kulipa 4,738,667.Je hapo interest ipoje
Maana mie naona kama imekaribia 35%.
Na je hizi Interest ni kila Bank inajiamlia yenyewe au inakuwa monitored na BOT?

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uko sahihi, pengine amekopa microfinance ndizo BOT hawajaanza kuwa monitor..

High risks, high return...... Masharti nafuu, riba kubwa

Kwanza BOT cannot restrict interest bank inayo charge maana yenyewe haizuii ushindani wa soko. Nije kwenye interest.
Kwa kawaida interest inakuwa quoted annually halafu inakuwa applied monthly on outstanding balance ya mkopo. Mfano ukiambiwa ni 20% per annum then ni sawa na 20/12=1.67% kwa mwezi.
Maana yake ni kwamba unatumia hiyo 1.67% kucharge interest kwa mwezi
Sasa kuna taasisi.zingine hucharge hiyo 1.67% kwenye hela uliyochukua huo ndo wizi na utapeli wa hali ya juu sana maana ndo hicho ulicho post hapo juu. Ndio maana ukienda benki au taasisi ya kukopesha hakikisha umepewa what we call repayment schedule inayoonesha principal repayment ni kiasi gani na interest ni kiasi gani kila mwezi.
Kuna taasisi moja walikuwa wanajinasibu kuwa riba yao ni nafuu sana na ilikuwa 8% kumbe ilikuwa monthly ukiweka kwa mwaka ni 96%. Inatakiwa kuanzisha consumer council ya huduma za kibenki ili kumlinda mlaji/mtumiaji dhidi ya hawa wanyonyaji. Hii ingesaidia kutoa elimu kwa umma

Zanzibar Spices said:

Wakuu hembu mnijuze kwenye riba za banks.
Ni Banks gani zenye interest kubwa .
Halafu naomba mnisaide kukokotoa hii hapa.
Kuna Jamaa yangu kaingia kwenye Mkopo wa Bank moja huko huko Dar,amekopa Tsh: 3,500,000 anatakaiwa kulipa 4,738,667.Je hapo interest ipoje
Maana mie naona kama imekaribia 35%.
Na je hizi Interest ni kila Bank inajiamlia yenyewe au inakuwa monitored na BOT?

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Hapooo kuna 2 unkowns wewe angalia
Present value =3,500,000/=
Future value=4,738,667/=
Time=??????
Rate=?????
Ribaa utoweza labda ukitoa na data za muda wa kulipa deni

Kiranga said:

Kwa nini riba ni kharam?

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Riba ni dhambi kubwa,,,mfumo huu umeletwa mahsusi kuwakosanisa watu na mola wao... ni mfumo wa samaki mkubwa kumla mdogo... kwa hapa kwetu angalia sana akina mama wanaochukua mikopo wanavyopata shida wenye makampuni wanatajirika lakini akina mama hawa miaka nenda miaka rudi hali zao ziko duni tu...riba ni dhulma. islamic banking ndio suluhisho.. midle east has nchi za kiislam hakuna kitu kama ribba,,, maana kwa mafundisho ya dini yetu tunajua kuwa ni kharam. llah swt states in Quran:يَا أَيُّهَا الَّذِينَ آمَنُواْ لاَ تَأْكُلُواْ الرِّبَا أَضْعَافًا مُّضَاعَفَةً وَاتَّقُواْ اللّهَ لَعَلَّكُمْ تُفْلِحُونَ

3:130 O you who have believed, do not consume usury, doubled and multiplied, but fear Allah that you may be successful.
وَأَحَلَّ اللّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا
2:175 Allah has permitted trade and has forbidden interest
The Prophet Mohammad, may Allah's mercy and peace be upon` him, said in his farewell sermon: "God has forbidden you to take Riba, therefore all riba obligation shall henceforth be waived. Your capital, however, is yours to keep. You will neither inflict nor suffer inequity. God has judged that there shall be no riba and that all the riba due to `Abbas ibn `Abd al Muttalib shall henceforth be waived."[SUP][3][/SUP]
Quran explicitly prohibits Riba, and since Quran is an undisputed source of guidance, all Muslims unanimously agrees on prohibition of Riba. There is no difference of opinion among any school of thought on prohibition of Riba in Islamic Shariah.