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Kenya Commercial Bank na Akiba maalum ya kiislamu

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Barubaru, Aug 7, 2009.

  1. Barubaru

    Barubaru JF-Expert Member

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    Jana nimepokea suala toka Tanzania kwa mmoja wa jamaa zangu akiwa ananiuliza nini sharti za Islamic bank and accounts kama ilivyoelezwa kisharia.

    Amesema Kenya Commercial bank (KCB) huko Tanzania wameanzisha akiba maalum kwa kufuata mfumo a bank za kiislamu.

    Sasa ndugu zangu, najua wengi mpo huko Tanzania mnaweza kunieleza kifupi namna account hizo za kiislamu zinavyoendeshwa na hao KCB?.

    Mimi nitafafanua kwa mujibu wa sharia namna account za waislamu katika bank zao zinavyoendeshwa.

    Nitakuwa sijatenda haki hata kidogo kama sijapata namna KCB wanavyoendesha akaunti hiyo ili niseme kama wapo sahihi au laa.

    nakaribisha mjadala.

    Nasriyah Saleh Al-Nahdi.
    Doha. Qatar
     
  2. Barubaru

    Barubaru JF-Expert Member

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    Kunradhi. Akiba yenyewe inaitwa Amana account. ambayo nimeifuma hapa
    http://www.kcbbankgroup.com/tz/index.php?option=com_content&task=view&id=94&Itemid=111.

    maelezo yake kwa kifupi ni haya
    Amana is a new Sharia-compliant account designed for our Muslim customers under the advice and supervision of the Sharia advisory board. The KCB Amana account will operate as a checking account both for personal and business customers trading in personal names. You get:


    • An interest-free account
    • Sharia compliant under the advice and supervision of the Sharia advisory board
    • Access to a cheque book
    • Quick serve ATM card
    • Access to KCB Visa prepaid cards
    • Low monthly service charge.
    Naona kwa mlio Tanzania, nifafanulieni hiyo account ina oparate vipi.
     
  3. PakaJimmy

    PakaJimmy JF-Expert Member

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    Kipya na kikubwa nilichoona katika maelezo yako ni katika hiyo namba 1 na2.

    Ila ninachojua, ni kwamba mabenki ya nchi za Kiarabu, na kwa sheria za Kiislamu, kupewa au kupokea interest toka benki ni kharamu, maana inachukuliwa kwamba ni fedha isiyo halali, na kwa kifupi ni kwamba wewe ukipewa kitu, kuna mtu aliyekikosa!
     
  4. Barubaru

    Barubaru JF-Expert Member

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    .

    Nitapita baadae nipo busy kidogo. Lakini kwa kifupi kwa Sharia za Kiislam hairuhusiwi biashara ya fedha kwa fedha. Biashara yoyote ya fedha kwa fedha ni haramu.

    Hiyo ina maana kama umekopa sh 50 unatakiwa ulipe sh 50 na si vinginevyo. Ila nitafafanua vizuri zaidi bank za kiislamu zinaendeshwa vipi.

    Suala langu nilitaka kujua je na hiyo KCB wanaendeshaji account hizo?


    Nasriyah
     
  5. Buchanan

    Buchanan JF Diamond Member

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    Kama ni 'interest free' Benki za Kiislamu zinatengenezaje faida kupitia mikopo? Tuelimishane!
     
  6. Semilong

    Semilong JF-Expert Member

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    sharia bank ni day light robery

    wao hawakupi interest kwenye account yako
    lakini ukikopa lazima ulipe interest

    ni rafiki yangu muarabu alikuwa anafanya kazi kwenye hizo bank kuwait
     
  7. Buchanan

    Buchanan JF Diamond Member

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    Why day light robery? Kumbe interest ipo kwenye mikopo? Jamani riba (interest) si riba tu? Inkuwaje riba inakuwa dhambi kwenye akaunti na kwenye mkopo sio dhambi? Wenye kufuatilia mambo ya dini hiyo (Uislamu) kuhusu hili naomba watujulishe!
     
  8. Semilong

    Semilong JF-Expert Member

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    mfano
    ukitaka kununua nyumba mortgage
    badala ya wao kukupa hela na wewe ununue nyumba na uwalipe hela yao na interest juu
    wao wananunua nyumba alafu wanakuuzia zaidi ya ile bei waliyonunulia, alafu wewe utakuwa unalipa kidogo kidogo lakini ulipi interest(ambayo ni haramu kwao)
    hii inaitwa murabaha ambayo ni very popular product
    sheria banking inakuwa kwa kasi sana uk kwa ajili bank haziwalipi interest wateja wao, kila bank kubwa uk ina sheria account
     
  9. Semilong

    Semilong JF-Expert Member

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    WHAT IS SHARIA BANKING OR ISLAMIC FINANCE?
    How does Sharian Banking or Islamic Finance work? The overarching principle of Islamic finance is that all forms of interest are forbidden. The Islamic financial model works on the basis of risk sharing. The customer and the bank share the risk of any investment on agreed terms, and divide any profits between them.

    The main categories within Islamic finance are: Ijara, Ijara-wa-iqtina, Mudaraba, Murabaha and Musharaka.
    Ijara is a leasing agreement whereby the bank buys an item for a customer and then leases it back over a specific period.

    Ijara-wa-Iqtina is a similar arrangement, except that the customer is able to buy the item at the end of the contract.

    Mudaraba offers specialist investment by a financial expert in which the bank and the customer shares any profits. Customers risks losing their money if the investment is unsuccessful, although the bank will not charge a handling fee unless it turns a profit.

    Murabaha is a form of credit which enables customers to make a purchase without having to take out an interest bearing loan. The bank buys an item and then sells it on to the customer on a deferred basis.

    Musharaka is a investment partnership in which profit sharing terms are agreed in advance, and losses are pegged to the amount invested.
     
  10. Barubaru

    Barubaru JF-Expert Member

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    Hakika maneno yako ni sawia kabisa.

    Hakika bank za kiislam zinapokupa mkopo zinauliza fedha hizo unataka kuzitumiaje? na kama kuanzisha biashara basi wao watafanya uchambuzu yakinifu wa maradi wako na wakiridhika watakupa hizo fedha kisha wewe pamoja na bank mtasimamia pamoja biashara hiyo na kushare Faida au hata hasara ikipatikana.

    Kama wataka nunua Nyumba basi bank itanunua hiyo nyumba kwa pesa zake na kisha watakuuzia wewe kwa makubaliano . na mkiridhiana basi watanunua kisha wewe utalipa pesa hizo kidogo kidogo bila kutoa riba.

    Na kwa upande wa mteja ambaye pesa zake ameweka bank, atawekewa Interest yake kutokana na faida bank inayopata kila mwezi na kama bank ikipata hasara na mteja ata share hasara hiyo.

    Na vile vile mteja kila mwezi atajulishwa pesa yake imewekezwa katika biashara gani na ataelezwa kila mwezi bank imepata faida kiasi gani na yeye atajulishwa faida yake katika statement yake kila mwezi.

    Nia na madhumuni ya Islamic bank kusimamia mikopo ni kuhakikisha kuwa pesa zinazokopwa basi zinatumika kwa njia ile iliyo halali na inayokubaliwa kwa mujibu wa mafundisho ya Mtume Mohammad na Qur'ani.

    Kwa msingi huo sifikirii kama bank yoyote yenye akaunti hizi za Europe inaweza ikafanya kazi pamoja na bank za kiislamu.

    Kwani kama muislamu ameweka pesa yake na anategemea bank ifanye biashara halali na kumuwekea faida kwa mujibu wa faida inayopata bank.

    nafikiri KCB wanatumia pesa hizo kukopesha watu wengine kwa Riba kubwa kisha wao hawaweki faida kwa mwenye kuweka amana.

    Kufanya hivyo ni WIZI MKUBWA SANA.

    Mlio tanzania , tuelezeni Amana account in operate vipi?

    Nasriyah
     
  11. rmashauri

    rmashauri JF-Expert Member

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    Kwenye hiyo niliyoweka red sasa mbona riba hiyo tayari unapewa sasa tofauti iko wapi na mabenki ya kawaida yanayofanyia biashara pesa za watu na kisha kuwagawia sehemu ya faida? Too confusing.

    Pia huwezi kuwalaumu KCB kuwa wanawakopesha watu wengine pesa wa waislamu maana wao pesa zao zinaingia kwenye kapu moja sasa huwezi kuwalazimisha watenge pesa za waislamu mahali fulani zisiguswe. Na hii wanaweza kuitumia sawa na msemo wa wajinga ndo waliwao.
     
  12. b

    bnhai JF-Expert Member

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    I once did a research on financing. Kuna tofauti kidogo hapo. Mabenki depending on the nature of financing km ni loan au share capital. Km ni loan mtu anaweza kuwa entailtled na fixed rate of interest (Hii ndio riba) whether upate hasara au faida lazima apewe hiyo riba yake. Na ikitokea bank ikafilisika hawa jamaa wankuwakuwa na priority kwenye assets za bank(hizi ni ishu za liquidation). Tofauti na waislam wao wanashare faida na hasara.
    Labda swali linaloweza kuwa tricky hata mie niliwahi kujiuliza, sasa mtu akiweka fedha yake na ikawa inadepreciate( ina loose value) itanakuwaje maana benki pia zinatoa interest kucompensate kwa loss of value. Jibu ni kaambiwa wanatumiwa stable currencies au commodity km gold nk. Kwahiyo value yake inakuwa determine subject to the above items. Kwahiyo ukiangalia kwa undani utagundua kuna tofauti.
     
  13. Semilong

    Semilong JF-Expert Member

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    wewe unafikiria lakini ukweli ni
    barclays, lloyds tsb, hsbc zote zina sharia banking na wana product kibao
    infact uk sharia banking is the biggest in the world, bigger than pakistan sheria banking
     
  14. Semilong

    Semilong JF-Expert Member

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    katika bank riba ni lazima
    kitu sheria bank inachofanya ni kuepuka neno riba kupitia mlango wa nyuma
    riba ni haramu
    kiislamu kufanya biashara ni halali (faida ni halali). kwa hiyo kama bank ikikuuzia nyumba kwa zaidi ya bei waliyonunulia wanakuwa wamepata faida na sio riba.
     
  15. b

    bnhai JF-Expert Member

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    Jamani hii kitu haihitaji siasa bali ni uelewa wa finance. Riba kwa kingereza ni Interest. Sasa mfumo wa islamic banking wenyewe unaelekeza kwamba; mtu anaweza kukopa na in the end wakashare profit au loss. Sasa ukija kwenye aspect ya interest pale whether kuna profit au loss km mtu yupo entitled kwa a certain rate, then such obligation has to be fulfilled. Lakini huko wanashare loss na profit. Ndio maana ukienda mbele zaidi utaona pia wamekatazwa na gambling. Maana hata kwa nature ya business nyingi, kuna alot of uncertainities ambazo hakuna anaweza kujua nini kitafuata. Na kwa mtindo huu ndio maana nyingi kama si zote hazijakumbwa na crisis.
     
  16. Barubaru

    Barubaru JF-Expert Member

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    Semilong
    nafikiri soma conclusion yangu hapo chini.
    Kwa kweli kwa bank hizi ni wizi Mtupu. Kwani kwa mujibu Islamic bank ni lazima ashauriwe mteja kuwa pesa zake zinafanya biashara gani na hii ni stat ya kila mwezi. sasa bank hizo ulizofanya hazimshauri mteja. Vile vile pesa wanazoweka wateja wanaweza kumkopesha mtu akaanzisha biashara haramu ya vilevi n.k.

    bank nyingine zinaangalia Faida zaidi kuliko maslahi au matakwa ya mteja.

    Kwa waislamu hairuhusiwi biashara ya fedha kwa fedha, ila wanaruhusu kufanya biashara halali tu kwa mujibu wa mafunzo ya Qur'an na hadith
     
  17. Barubaru

    Barubaru JF-Expert Member

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    Rmashauri,

    Soma vizuri mada yangu kisha utoe suluhisho na SIO KUKURUPUKA KUJIBU.

    nakufahamisha mpaka sasa sijajua hao KCB wana operate vp hiyo Amana Akaunti ndio maana naomba msaada kwa walio tanzania watueleze akaunti hiyo inaendeshwaje.

    narudia tena SIJAMLAUMU KCB SABABU SIJAJUA WANAOPERATE VIPI AKAUNT YAO YA AMANA
     
  18. Barubaru

    Barubaru JF-Expert Member

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  19. b

    bnhai JF-Expert Member

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    Labda nikwambie hiyo account ilianzishwaje maana nakumbuka vyombo vya habari viliandika.
    hawa jamaa waliomba BOT na wakaruhisiwa baada ya kuwa wamekaa na viongozi wa dini ya kiislam na kuona kuwa inaendana na sharia. kwahiyo nadhani haina shida unless useme mashaka yako barubaru
     
  20. Barubaru

    Barubaru JF-Expert Member

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    BNHAI
    Nafikiri soma mabandiko yangu vizuri nafikiri nimeeleza kurefu namna account za kiislamu zinavyo endeshwa. na nimechambua kisheria zaidi. naomba nisome vizuri kisha kama una suala nitakujibu.
     
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