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Islamic banking na katiba na sheria zetu

Discussion in 'Jukwaa la Sheria (The Law Forum)' started by dudus, Feb 1, 2012.

  1. dudus

    dudus JF-Expert Member

    #1
    Feb 1, 2012
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    Wakuu Heshima;

    Kuna kitu kinaitwa Benki ya Kiislamu (ISLAMIC BANKING). Tafadhali naomba mwenye habari jinsi hiki chombo kinavyofanya kazi atupashe habari. Ni muda kidogo umepita tangu NBC na KCB (T) Ltd. waanzishe akaunti za kiislamu lakini inawezekana wengi wetu, wakiwepo baadhi ya waislamu, hatuko well informed na hiki kitu.

    Leo katika Gazeti la Raia Mwema nimeona tangazo la BoT - ISLAMIC BANKING TRAINING PROGRAM ambapo BoT kwa kushirikiana na taasisi moja ya ushauri kutoka Jordan itaendesha mafunzo juu ya Benki ya Kiislamu. Nimewahi pia kusikia kutoka kwa baadhi ya watu kwamba mikopo yao haina riba, n.k. Naomba tujuzane yafuatayo:-

    1. Je, ni kweli kwamba akaunti za mfumo huu wa kiislamu hazina riba?
    2. Je, ni kila raia anaruhusiwa kuwa na akaunti ya aina hii au ni kwa ajili ya waislamu tu?
    3. Je, kama kila raia anaruhusiwa kuwa na akaunti kuna sharti lingine lolote lenye mwelekeo wa kidini ambalo wasio waislamu wanatakiwa kulitimiza?
    4. Je, benki ya kiislamu nayo ni ibada kama inavyodaiwa kwa mahakama ya kadhi?
    5. Hili suala limekaaje Kikatiba?

    Nawasilisha.
     
  2. m

    mtolewa Senior Member

    #2
    Feb 1, 2012
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    mkuu we acha tu mambo mengine ni kuwaachia wenyewe na kunyamaza tu, ingekuwa siisi ungeambiwa mfumo Kristo na si ajabu ungesikia baadhi ya viongozi wa kiislam wakiwaagiza waumini wao kuisusia benki hiyo kuwa ni ya kikristo.
     
  3. Songoro

    Songoro JF-Expert Member

    #3
    Feb 1, 2012
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    peleka dry cleaner akili yako ili upate uwezo wa kuchangia kulingana na maswali ya mleta hoja badala ya kuleta manung'uniko.changia kwa unachojua kama huna unachojua subiri tuition ya bure hapa!
     
  4. Nyenyere

    Nyenyere JF-Expert Member

    #4
    Feb 1, 2012
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    Mkuu umegonga BULL!
     
  5. T

    Topical JF-Expert Member

    #5
    Feb 1, 2012
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    1. Ndio ni kweli kabisa hakuna riba kwenye accout hizo

    2. Ndio kila raia anaruhusiwa kufungua islamic account irrespective of religion; uislam ni unviersal meaning kwa watu wote hivyo na service zake ni universal pia..

    3. Ndio kuna masharti lazima utimize ikiwa unataka kukopa kwa mfumo wa kiislam; mojawapo ni kwamba huwezi kukopeshwa kwa mradi ambao ni Haram kwa mujibu wa Quran; kila account ina masharti yake hata conventional accounts pia kuna masharti so usishangae

    4. Ndio Mahakama ya Kadhi, Banking zote ni ibada; unlike in christianity kwenye uislam neno ibada ni pana sana na hujumuisha mfumo mzima wa maisha; mfano; namna unavyofanya biashara, dealings zako na binadamu wengine nk.

    5. Sidhani kama swala hili lina shida kikatiba? kwani wewe unaona shida gani kwa mfano? maana kufungua islamic account ni optional kama unataka wewe (mkristo au muislam unafungua) ..katiba inaruhusu watu kufanya choices without any problems..

    Hope this answers your concern..next
     
  6. sisi kwa sisi

    sisi kwa sisi Senior Member

    #6
    Feb 1, 2012
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    hi ni sawa na kuuliza hivi katiba ya tz inaruhusu j2 kutokuwa na kazi ni sawa?
     
  7. s

    sweke 34 JF-Expert Member

    #7
    Feb 1, 2012
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    Mkuu naomba unifafanulie hili la riba ...tuseme mtu leo umekopa 1M. Baada ya miezi 6 unarudisha hiyohiyo 1M?
     
  8. T

    Topical JF-Expert Member

    #8
    Feb 1, 2012
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    Ndio maana yake...
    Islamic financing basic principles

    a. Islamic financing mkopo si jambo la kufarahia mtu, mkopo ni ikibidi so mtu anatakiwa kusaidiwa siyo kukomoa kama wafanyavyo commercial banks..
    b. Islamic financing believe on cash payment not credit payment; cash payments allows businessmen/women to make profit...

    c. Ufahamu pia hata ukiweka Im. kwenye islamic account hiyo pesa haizai interest yeyote...essence yake ni ku- discourage keeping money and encourage people to invest not save money..
     
  9. s

    sweke 34 JF-Expert Member

    #9
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    Kama kwenye bank hakuna riba , Uislamu unasemaje kwenye biashara mnazofanya...nina maana je mnaruhusiwa kupata faida? Kama mnaruhusiwa kupata faida kwanini bank inakatazwa kupata faida/riba inapofanya biashara na mteja wake?
     
  10. s

    sweke 34 JF-Expert Member

    #10
    Feb 1, 2012
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    Mkuu kweli hata mimi mkatoliki ninaweza kufungua account hiyo ya kiislam na kupata mkopo wa biashara yangu halali?
     
  11. b

    bss Member

    #11
    Jan 8, 2013
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    Hivi kuna ulazimawa kuanzisha huduma maalum za kibenki kama za kidini? Haya ni mapokeo ya wapi? Ina tija gani kwa taifa? Tafakari, chukua hatua.
     
  12. m

    mugayasida JF-Expert Member

    #12
    Jan 9, 2013
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    Kwa utawala huu wa JK featuring Islam kila upuuzi wa hawa jamaa utaona unapewa kipaumbele..Wapi shehe Ilunga?Eti akiuwa Shehe hata kajinyonga mwenyewe au kauwawa na waislamu wenzie au majambazi lazima waislamu wakaue padre,askofu au mtawa mkatoliki?Tena bado yupo mtaani na anasikiwa na vyombo vinavyohusika lkn anaogopwa maana ni dini ya mkuu wa kaya....!!!!!!!!WE hujasikia wajumbe wakatiba walivyo chakachua maoni eti nchi nzima tunapendelea mahakama ya kadhi..?
     
  13. mossad007

    mossad007 JF-Expert Member

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    Jan 10, 2013
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    Wewe umenena
     
  14. mossad007

    mossad007 JF-Expert Member

    #14
    Jan 10, 2013
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    Haipo kwenye Katiba Cheki Article 4 au 3 nchi TZ siyo taifa la Kidini mkuu!
     
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