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Bank Loan under Shariah Law....!?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by damn, May 14, 2010.

  1. d

    damn JF-Expert Member

    #1
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    wana jf, apology if this topic has been discussed. Kwa kuwa baadhi ya mabenki hapa nchini yanaaacount under shariah law. Je mabenki hayo yana kopesha wateja (wenye account za shariah law) kwa kufuata shariah law, yaani bila interest?
     
  2. Ibrah

    Ibrah JF-Expert Member

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    Kama hawatozi riba nitakwenda kukopa kutumia hiyo Sharia Banking, lakini wasiniwekee masharti mengineyo kama vile niwe Mshariah! I think BoT watatangaza kuwa hizo bank ni Muflis baada ya kuanza kutoa mikopo kishriah shariah.
     
  3. d

    damn JF-Expert Member

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    Ibrah, ikiwa shariah account hazina any interest hata ya 0.1% kwa nini wasiwape mikopo watu wenye account hizo loans zisizo na riba kama account zao zilivyo? au ndiyo kumlazimisha mtu kumtii Mungu kupia technics za kishetani?
     
  4. SMU

    SMU JF-Expert Member

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    Ni kweli hazina riba lakini kuna utaratibu wa kugawana faida au hasara. Sio rahisi kwa sasa ku operate a truly islamic banking (interet- free) sambamba na conventional banking kama baadhi ya mabenki ya hapa nyumbani yanataka tuamini. Kwa mfano, hilo suala unalouliza sio rahisi sana kufanyika katika benki ambayo ni mchanganyiko, yaani islamic na conventional (kama KCB na NBC). Bank haiwezi kuaccept interest bearing deposits na kisha ikopeshe interest-free kwa kutegemea kugawana faida au hasara ya uwekezaji.
     
  5. d

    damn JF-Expert Member

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    so the whole thing ni utapeli wa design fulani hivi.
     
  6. SMU

    SMU JF-Expert Member

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    Mabenki yameona hiyo ni source nzuri na cheap ya pesa. Kwa mfano hiyo islamic account mtu unadeposit pesa (wekeza) lakini huna namna ya kuweza kujua kwa uhakika faida au hasara iliyopatikana kutoka kwenye uwekezaji uliofanya na benki na hivyo chochote watakachokupa baadae inabidi ukubali blindly tu.
     
  7. K

    KEIKEI Member

    #7
    May 14, 2010
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    Haya mabenki yamekurupuka ko-offer hii product, na ni wazi ita-fail maana kwa Tanzania mazingira hayako mwafaka ku-operationalize hii kitu hasa mazingira na kibiashara na uwekezaji. More research is needed on this issue.
     
  8. H

    HM Hafif JF-Expert Member

    #8
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    Kwa wale wasomaji wazuri wa Jamii forum s Economics.

    Dr barubaru alifafanua kwa kina sana katika mada mojawapo. Alisema hivi. MFUMO HUU WA ISLAMI BANKING KUNAKUWA HAKUNA MTEJA BALI KILA ANAYEWEKA PESA ZAKE ANAKUWA SHARE HOLDER.

    KWA KUWA SHARE HOLDER UNABIDI BANK IKIFAHAMISHE KILA KITU HUSUSAN MATUMIZI AU UWEKEZAJI WOWOTE UNAOFANYWA NA PESA ZAKO KWA MAANA KUWA MNA SHARE FAIDA NA HASARA.

    Inapotokea mteja anataka kukopa basi bank inapitia mchanganuo wake na kama itaridhika nao basi wanampa hizo pesa na BANK TENA INAKUWA NA SHARE HOLDER KATIKA MRADI HUO.bank itasimamia uwekezaji na taratibu zote za kifedha katika mradi huo kwani nayo pia inaweza kupata faida au hasara. bank inakuwa mshauri mkuu wa mradi huo kuhakikisha unaendelea na kama ukiona hauna faida nasi wanaondoa pesa zao(wanajitoa share holding )

    vile vile faida katika account hizi haziwi fixed bali zinategemea na uwekezaji katika mwezi huo. wao wanachukua % ndogo tu za uendeshaji.


    Someni vizuri mada hiyo ya dr hamza kwani ilifungua wengi sana na kuwafanya waingie katika mfumo huu ambao sana unaingia kwa kasi sana hasa baada ya kuona mfumo wa sasa wa mwenye bank na mteja ulivyoleta mtikisiko wa uchumi duniani
     
  9. SMU

    SMU JF-Expert Member

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    Hilo linaweza kuwa sawa lakini technically kwa hapa kwetu islamic account holder hawezi kuwa shareholder (in a true sense of it). Kwa mfano KCB na NBC zote sio listed hivyo hawawezi kutreat depositors wa islamic accounts kama shareholders (i.e. they can not sell their shares to the public). Hili peke yake linafanya depositors kukosa maamuzi kwenye uwekazaji wa benki tofauti na unavyotaka tuamini.
     
  10. Ngongo

    Ngongo JF-Expert Member

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    Heshima kwa SMU,

    Nakubaliana na hoja yako asilimia 100
    .
     
  11. Utingo

    Utingo JF-Expert Member

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    mkuu hapo ndipo penye utata, if the interest on account is 0% hiyo gharama ya uendeshaji wanayochukua kutoka kwako wakati umeweka fedha yako na wanaifanyia bishara, kwa nini waichukue?

    na unaposema unakuwa shareholder, is the case true with KCB, NBC na Stanbic....?!!!!!

    Huu ni mfumo wa kihuni hapa kwetu. Wameuleta kwa kuwa wanafahamu many Tanzanian don't investigate and analyze issues hasa inapotokea suala lina kimsemo cha dini.

    Waislamu waelezwe vizuri, watauingia mkenge bila kuelewa just in the name of Shariah.

    Huwezi kufollow God's law by abiding to other non Godly laws or principles. Kama is 0% interest it should be the same hata kwa mkopaji wa bank. Waanzishe na shariah loans kama mabenki ya kiislamu yanavyofanya.
     
  12. Kaa la Moto

    Kaa la Moto JF-Expert Member

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    May 15, 2010
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    Kwa jinisi nilivyomuelewa HM Hafif DECI nyingine imeingia kwa mlango wa dini ya kiislamu....................... muwe macho mtagawana hasara
     
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