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Je unaijua AMANA Bank, Inayokopesha bila Riba?

Discussion in 'Kilimo, Ufugaji na Uvuvi' started by Kivia, Apr 16, 2012.

  1. K

    Kivia JF-Expert Member

    #1
    Apr 16, 2012
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    Amana bank ni benk inayofuata misingi ya kiislam ambapo hukopesha bila kutoza riba kama uislamu unavyoamrisha. Bank hii inakopesha bila kubagua dini kwani inatoa huduma kama bank zingine. Nimetembelea tawi lao pale karibu na soko la kariakoo wakanipa maelezo mazuri saana na nimevutiwa na huduma zao. wana JF Changamkieni...
     
  2. bakuza

    bakuza JF-Expert Member

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    Wao faida ya kujiendesha na mitaji wanapata wapi?Au hili ni tangazo la biashara?
     
  3. m

    mikogo Senior Member

    #3
    Apr 16, 2012
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    amekushauri nenda ktk tawi lao amana watakuelekeza
    unaanza suspects
    vipi?
     
  4. K

    Kagalala JF-Expert Member

    #4
    Apr 16, 2012
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    Hii na mimi huwa naisikia ila sijuhi catch hiko wapi. Kama sihamini katika Sharia Law, ntakubalika. Je wanaruhusu business accounts za Wakristu? ningependa kuchukua mkopo kidogo niboreshe biashara yangu
     
  5. sun wu

    sun wu JF-Expert Member

    #5
    Apr 16, 2012
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    wanatoa mkopo hadi kiasi gani, na je ninahitaji kuweka collateral na nikishindwa kulipa wanapiga mnada collateral yangu au..?

    Je inaendeshwa kwa misaada au pesa inatoka wapi ?, na nikiweka pesa zangu ninapata interest au na zenyewe zinakaa tu na ninakatwa service charge
     
  6. CAMARADERIE

    CAMARADERIE JF-Expert Member

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    Apr 16, 2012
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    Wakati korani ilipokataza riba kulikuwa hakuna inflation
     
  7. sun wu

    sun wu JF-Expert Member

    #7
    Apr 16, 2012
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    sasa maana ya hii forum ni nini kama sio kupeana habari..

    Unajuaje kama anaweza kufika kwenye tawi..? Kama yupo Timbuktu.., na kwanini kama anaweza kuelezwa hapa asielezwa hapa ajue kama afunge safari ya kwenda au hapana, Sio atoke kijijini na kufika kwenye tawi kumbe hakuna anachohitaji..

    Nadhani hapa ni Habari na Hoja Mchanganyiko (hivyo basi sio vibaya kupeana habari na kujibiwa maswali yetu)
     
  8. sun wu

    sun wu JF-Expert Member

    #8
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    Nimeona hii kwenye website yao AmanaBank Fixed Deposit Account | Amana Bank Ltd

    sasa kwenye fixed deposit kuna maelezo haya

    Sasa hayo maneno riba free, for those who look to earn high returns.., (sasa hapo wakuu nikiweka pesa yangu kwenye fixed deposit nahitaji nipate interest lakini kama ni riba free.., tapataje hizo high returns :mmph::A S-confused1:
     
  9. Fofader

    Fofader JF-Expert Member

    #9
    Apr 16, 2012
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    Botanesco.
     
  10. sun wu

    sun wu JF-Expert Member

    #10
    Apr 16, 2012
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    Na baada ya kudadavua zaidi nikakuta hii...

    Source:
    http://amanabank.co.tz/?s=loans

    Confused.. ?
    Same here...
    Mkuu mleta mada au anyejua please dadavua hii kitu.., hiyo mikopo inapatikanaje

     
  11. sun wu

    sun wu JF-Expert Member

    #11
    Apr 16, 2012
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    Baada ya kukosa majibu kutoka kwa wadau na kujitahidi kudadavua mwenyewe na kusoma site yao nimeona hii

    Hapo kwenye financing business and projects nadhani (I repeat nadhani) labda ukipeleka biashara yako au project wanaangalia kama inalipa na wakiikubali na kuona itazaa wanakupa finance za kuanzisha au kuendeshea project. (if that is the case its not bad.., nadhani wanakupa consultation)
     
  12. K

    Kituko JF-Expert Member

    #12
    Apr 16, 2012
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    hakuna kitu kama hiyo
    Ribahipo kwa mlango wa nyuma
     
  13. M

    Malila JF-Expert Member

    #13
    Apr 16, 2012
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    Na siku utakapojua jinsi unavyotakiwa kulipa riba yao utakuwa umechelewa sana. Maumivu yake hayatachukulika, walianza Ulaya mashariki na wamefanikiwa,sasa wamegeukia Africa,hapa kwetu ni tawi tu sio makao makuu. Hakuna lunch ya bure chini ya jua.
     
  14. MNYISANZU

    MNYISANZU JF-Expert Member

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    Kwa nini wasiwasaidie waislam wenzao kwani ndio most illiteracy?
     
  15. babu M

    babu M JF-Expert Member

    #15
    Apr 16, 2012
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    Mimi ninaweza kuwa na nyumba ya kupanga nikasema sitozi ''rent'' lakini nikakulamba ''service charges'' kwa kiasi sawa na rent.

    Hiyo riba imepewa jina lingine
     
  16. ndetichia

    ndetichia JF-Expert Member

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    kwa hiyo ile profit itakuwa yako na sio ya benki na je itajiendesha vipi au kwa misaada ya watu maana inakuwa ngumu kidogo kuelewa?
     
  17. ndetichia

    ndetichia JF-Expert Member

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    hapa mzee kwa hilo still loading..
     
  18. Elli

    Elli JF-Expert Member

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    Apr 16, 2012
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    Ya ngoswe tumuachie ngoswe mwenyewe
     
  19. sun wu

    sun wu JF-Expert Member

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    Mkuu ndio hapo nashindwa kuelewa.., ila hata kama ile profit itakuwa yako nadhani hapa kuna mtego sababu ukienda kukopa (na hapa siiti kukopa bali ni kuomba msaada) nadhani wanaweza wakasema hii biashara / project yako haifai (hivyo basi the are not obliged kukupa msaada ).., ila lazima wafanyakazi wale (hii sio charity) hivyo nahisi (again am assuming logically sababu hakuna aliyetupa jibu) hii benki itakuwa inapata misaada kutoka kwa watu, pia wanaoweka pesa hawadai interest, na huenda kuna service charge..

    Hivyo basi income ya benki ni Misaada, Foreign exchange, fund transfer, probably na service charge
    Expenditure huenda ikawa huo msaada / loan ambao sio lazima wakupe huenda basi wakienda kama 1,000 kwa mwaka asipewe hata mmoja kama project au biashara hazijakidhi matakwa yao... (just like how some NGO's zinavyofanya projects chache ku-justify kuomba misaada)

    Ila hapa chini ndio pasua kichwa sijaelewa kabisa toka kwenye mtandao wao

    AmanaBank Fixed Deposit Account

    AmanaBank Fixed Deposit Account is a riba free product aimed for those looking to earn high returns with wide choice on investment terms and maturity options.

    Sasa kama ni riba free hizo high returns zinatoka wapi ?
    :suspicious:

    Again don't qoute me huenda am seriously wrong am just guessing and assuming logically based on few information gathered on their website
     
  20. georgeallen

    georgeallen JF-Expert Member

    #20
    Apr 16, 2012
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    Pamoja na kusoma contributions za wachangiaji hapo juu bado naona niko mweupe tu. Au ni aina nyingine ya DECI hii?.
     
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