Amana Benki ya Kiislamu yaanzishwa Tanzania

[August]

what is your point?

Ukiona vipi unaweza kwenda kufungua na kuweka hela zako mkombozi bank ok..

Wenye kufanya ibada zao waache wafanye

mimi na udini ni sawa na maji na mafuta yatatengana tu, so sina haja ya mkombozi wala amana, ipo nbc, crdb, tpb, azania, akiba, stanbic, etc etc yanini tutengane kwa vitu vya dini, kama tunataka hiyo misingi basi benki zetu hizo hizo saana saana tunaweza kuweka masharti unataka ya fix fee au hiyo ya riba.
maana ya benki ya kila jumuiya ndio inazidi kututenganisha, hivi sasa tu tuko wamoja katika hizo benki hisia zimeanza sasa tukija kwenye mambo kama haya si utengano utazidi

 

[FaizaFoxy]

jimama lizee ka wewe unashindwa kujiheshimu.

Unaonesha hukulipenda jibu, lakini swali ulilipenda? Unanchekesha. Bora ya mie zee kuliko wewe zezeta.

 

[LordJustice1]

Angalia post yakp #53 ndio utajua nani anayetoa kejeli???

Kwanza kuna tofauti kati ya riba (interest) na faida (profit)

Islam prohibits riba and allows profit...

Tuanzie hapo>

Haya narudia tena swali: Nikikopa TSh 10m/- for general purposes, within 2yrs natakiwa nirudishe, Je, nitarudisha TSh 10m/- ile ile au zaidi? Kama ni zaidi, Je, kinachozidi kinaitwaje? Je, ni "profit" kama unavyodai?

 

[FaizaFoxy]

Kama hutaki kutoa elimu hulazimishwi, maana umeshaanza kejeli!

Islam is not peaceful but brings pieces!

Na hiyo ni nini?

 

[LordJustice1]

Na hiyo ni nini?

The truth!

 

[Topical]

Haya narudia tena swali: Nikikopa TSh 10m/- for general purposes, within 2yrs natakiwa nirudishe, Je, nitarudisha TSh 10m/- ile ile au zaidi? Kama ni zaidi, Je, kinachozidi kinaitwaje? Je, ni "profit" kama unavyodai?

Twende taratibu nikupe elimu...

Mkopo kwenye Islamic banking una taratibu zake (Islamic codes) ambayo hiyo ni darsa ndefu tu...kuna halal and haram business ambazo huwezi kupata mkopo

Besides, What do you mean general purposes??

 

[njiwa]

[h=1]Q&A: Islamic finance
[/h]

Gordon Brown is today to make a keynote speech to the Islamic Finance and Trade Conference with the aim of promoting London as a key centre for Islamic finance. Sharia law lays out the way in which Muslims should manage their money. We outline the main rules that sharia-compliant funds and mortgages have to adhere to.


Traditional UK bank accounts and mortgages do not comply with Islam's sharia law, so in the past Muslims faced a big decision - compromise their beliefs or look for alternative ways to manage their finances. Now, however, some organisations offer financial services tailored to suit the two million muslims living in the UK.

What are the main rules for Islamic finance?

The rules lie in the principles of Islam's shariah law, taken from the Qur'an and the Sunnah, (the way) referring to the way in which the prophet Muhammad lived his life.

Central to Islamic finance is the fact that money itself has no intrinsic value, it is simply a medium of exchange. Each unit is 100% equal in value to another unit of the same denomination and you are not allowed to make a profit by exchanging cash with another person. A Muslim is not allowed to benefit from lending money or receiving money from someone.

This means that earning interest (riba) is not allowed. To comply with these rules, interest is not paid on Islamic savings or current accounts or applied to Islamic mortgages.

How do the banking arrangements work for customers?

There are several Islamic financial instruments:

· Ijara - works as a leasing arrangement: the bank buys something for a customer and then leases it back to them. Different forms of leasing are permissible, including those where a portion of the instalment payment goes toward the final purchase.


· Murabaha - works by the bank supplying specific goods for resale to the customer. This method incorporates a mutually agreed contract and a mutually negotiated margin.

· Musharaka - is a joint venture in which the customer and bank contribute to the capital of the operation and agree to share the returns (as well as the risks) in proportions agreed to in advance.


​

How do the banks make money?

Banks can profit from the buying and selling of approved goods and services. The principal means of Islamic finance are based on trading, and it is essential that risk be involved in any trading activity, so banks and financial institutions will trade in sharia-compliant investments with the money deposited by customers, sharing the risks, and the profits between them.

Islamic banks are structured so that they retain a clearly differentiated status between shareholders' capital and clients' deposits in order to make sure profits are shared correctly.


Although they cannot charge interest, the banks can profit from helping customers to purchase a property using a ijara or murabaha scheme. With an ijara scheme the bank makes money by charging the customer rent; with a murabaha scheme, a price is agreed at the outset which is more than the market value. This profit is deemed to be a reward for the risk that is assumed by the bank.

There are firm laws governing the types of business the banks can trade with. There should be absolutely no investment in unsuitable businesses, including those involved with armaments, pork, tobacco, drugs, alcohol or pornography.

Similar to ethical banking, then?

There is some common ground. Some of the tenets of Islamic banking will appeal to anyone, Muslim or otherwise, who agrees with the underlying principles of equitable distribution for everyone, the ideals of fair trading, spending of wealth judiciously, and well-being of the community as a whole. These principles result in an exacting ethical stance relating to investment.

What choices do people have?

The 1.8 million plus Muslims living in the UK can now manage their money on a day-to-day basis without compromising their deeply held convictions. Lloyds TSB offers a current account, as does HSBC through its Amanah Finance division, together with a home-financing scheme. However, although money is held separately to that managed by the rest of the organisation, these are large institutions that are not wholly compliant with sharia principles.

The Islamic Bank of Britain, which opened in 2004, operates entirely in accordance with sharia law. It has branches in London, Leicester, Birmingham and Manchester and offers a range of savings accounts, a current account and financing deals.

Homebuying products, credit or charge cards and other services will be available later this year. The managing director, Michael Hanlon, says its products are competitively priced and "equivalent to those available in a conventional bank".
The Ahli United Bank specialises in home-financing schemes. As well as helping Muslims buy a property to live in, it now offers sharia-compliant funding for buy-to-let property investments.


i hope itakuwa imejibu maswali yenu!! ligue iishe .. labda kuna mna mengine mliyo dhamiria...

 

[LordJustice1]

Twende taratibu nikupe elimu...

Mkopo kwenye Islamic banking una taratibu zake (Islamic codes) ambayo hiyo ni darsa ndefu tu...kuna halal and haram business ambazo huwezi kupata mkopo

Besides, What do you mean general purposes??

General Purposes = kununua mabati, kulipa mkopo, matumizi mbali mbali, nk! Usizunguke sana kujibu swali mzee, nenda kwenye point moja kwa moja, nitakuelewa!

 

[njiwa]

General Purposes = kununua mabati, kulipa mkopo, matumizi mbali mbali, nk! Usizunguke sana kujibu swali mzee, nenda kwenye point moja kwa moja, nitakuelewa!

post number 67 haijajibu swali lako mkuu ... :shock:

 

[Topical]

mimi na udini ni sawa na maji na mafuta yatatengana tu, so sina haja ya mkombozi wala amana, ipo nbc, crdb, tpb, azania, akiba, stanbic, etc etc yanini tutengane kwa vitu vya dini, kama tunataka hiyo misingi basi benki zetu hizo hizo saana saana tunaweza kuweka masharti unataka ya fix fee au hiyo ya riba.
maana ya benki ya kila jumuiya ndio inazidi kututenganisha, hivi sasa tu tuko wamoja katika hizo benki hisia zimeanza sasa tukija kwenye mambo kama haya si utengano utazidi

Kutofautiana siyo kutengana

Tunatakiwa kusheshimiana na kupendana katika utofaute wetu kama wananchi wa Tanzania..

Sioni tatizo la kuwepo islamic banking that serves both muslims or non muslims

Islamic sharia and financing principales is for all people, it benefits all.

 

[njiwa]

Kutofautiana siyo kutengana

Tunatakiwa kusheshimiana na kupendana katika utofaute wetu kama wananchi wa Tanzania..

Sioni tatizo la kuwepo islamic banking that serves both muslims or non muslims

Islamic sharia and financing principales is for all people, it benefits all.

na kwa kuongezea kaka hamna anayelazimishwa ... anaweza akaendelea na bank zake azitakazo ila kama ni muislam ajue tu RIBA ni HARAM ...

 

[Topical]

General Purposes = kununua mabati, kulipa mkopo, matumizi mbali mbali, nk! Usizunguke sana kujibu swali mzee, nenda kwenye point moja kwa moja, nitakuelewa!

Hapa wewe hupewi mkopo mkuu sa per islamic codes..

Wewe unatakiwa ununuliwe hicho kifaa unachohitaji ...(benki inanunua then)

Kama benki itakuwa na product za aina hiyo wanakuuzia (wanachukua faida yao kama mfanyabiashara mwingine yeyote)

Mkopo unatolewa kama biashara (write up) ambayo benki na wewe mtagawana risks (pre-determined)

Hapo kuna kuwa hakuna riba ila kuna profit (loss) ambayo ndio principles of ISLAM

Unlike conventional bank ambapo bank haigawani risk na mteja amepata amekosa wenyewe wanataka interest yao

any other question?

 

[Topical]

na kwa kuongezea kaka hamna anayelazimishwa ... anaweza akaendelea na bank zake azitakazo ila kama ni muislam ajue tu RIBA ni HARAM ...

Nafahamu jamaa ana negative understanding kama wengine lakini hope atakuwa open minded..

 

[babukijana]

udini mwingine unaingizwa katika huduma za jamii!haya mambo hayakuwepo wakati wa utawala wa mwinyi.hii ndio inaitwa kuvunja amani na nna hakika jk ataiacha hii nchi katika hali mbaya sana
ikiwezekana ktk vita mbaya ya udini

 

[Topical]

udini mwingine unaingizwa katika huduma za jamii!haya mambo hayakuwepo wakati wa utawala wa mwinyi.hii ndio inaitwa kuvunja amani na nna hakika jk ataiacha hii nchi katika hali mbaya sana
ikiwezekana ktk vita mbaya ya udini

Mkombozi commerical bank (Katoliki)

Udini hakuna mkuu ni swala la huduma kwa jamii ndio maana kuna shule za kikristo na kiislam..

Acha uwoga wa kitoto

 

[MKUNGA]

udini mwingine unaingizwa katika huduma za jamii!haya mambo hayakuwepo wakati wa utawala wa mwinyi.hii ndio inaitwa kuvunja amani na nna hakika jk ataiacha hii nchi katika hali mbaya sana
ikiwezekana ktk vita mbaya ya udini

SIO UDINI bali ni haki ya kuabudu. Kuabudu ni pamoja na kuishi kwa kufuata misingo ya dini husika. Uislamu kama mfumo wa maisha ueweka taratibu za haki ktk kila jambo. Riba inakatazwa kwani si haki ni unyonyaji mkubwa. hebu imagine unakopa 20/- m unatakiwa urejeshe 24/-m (20% riba) bila kujali umepata faida au la. Kuna jamaa namfahamu alikopa 30/- m bank kwa ajili ya biashara yake ya hardware, siku alipojaza tu mzigo stoo iliwaka moto na kupata hasara kubwa. baada ya muda bank waliuza nyumba yake na sasa yeye na familia wamepanga uswahilini, maisha magumu kuliko walivyokua kabla ya kukopa.

jinsi mfumo huo unavyojiendesha hebu soma hii article

Principles

Islamic banking has the same purpose as conventional banking: to make money for the banking institute by lending out capital. Because Islam forbids simply lending out money at interest (see riba), Islamic rules on transactions (known as Fiqh al-Muamalat) have been created to avoid this problem. The basic technique to avoid the prohibition is the sharing of profit and loss, via terms such as profit sharing (Mudharabah), safekeeping (Wadiah), joint venture (Musharakah), cost plus (Murabahah), and leasing (Ijar).

In an Islamic mortgage transaction, instead of loaning the buyer money to purchase the item, a bank might buy the item itself from the seller, and re-sell it to the buyer at a profit, while allowing the buyer to pay the bank in installments. However, the bank's profit cannot be made explicit and therefore there are no additional penalties for late payment. In order to protect itself against default, the bank asks for strict collateral. The goods or land is registered to the name of the buyer from the start of the transaction. This arrangement is called Murabahah. Another approach is EIjara wa EIqtina, which is similar to real estate leasing. Islamic banks handle loans for vehicles in a similar way (selling the vehicle at a higher-than-market price to the debtor and then retaining ownership of the vehicle until the loan is paid).

An innovative approach applied by some banks for home loans, called Musharaka al-Mutanaqisa, allows for a floating rate in the form of rental. The bank and borrower form a partnership entity, both providing capital at an agreed percentage to purchase the property. The partnership entity then rents out the property to the borrower and charges rent. The bank and the borrower will then share the proceeds from this rent based on the current equity share of the partnership. At the same time, the borrower in the partnership entity also buys the bank's share of the property at agreed installments until the full equity is transferred to the borrower and the partnership is ended. If default occurs, both the bank and the borrower receive a proportion of the proceeds from the sale of the property based on each party's current equity. This method allows for floating rates according to the current market rate such as the BLR (base lending rate), especially in a dual-banking system like in Malaysia.

There are several other approaches used in business transactions. Islamic banks lend their money to companies by issuing floating rate interest loans. The floating rate of interest is pegged to the company's individual rate of return. Thus the bank's profit on the loan is equal to a certain percentage of the company's profits. Once the principal amount of the loan is repaid, the profit-sharing arrangement is concluded. This practice is called Musharaka. Further, Mudaraba is venture capital funding of an entrepreneur who provides labor while financing is provided by the bank so that both profit and risk are shared. Such participatory arrangements between capital and labor reflect the Islamic view that the borrower must not bear all the risk/cost of a failure, resulting in a balanced distribution of income and not allowing the lender to monopolize the economy.
Islamic banking is restricted to Islamically acceptable transactions, which exclude those involving alcohol, pork, gambling, etc. The aim of this is to engage in only ethical investing, and moral purchasing. Islamic Banking and Finance Database provides more information on the subject.
In theory, Islamic banking is an example of full-reserve banking, with banks achieving a 100% reserve ratio.[SUP][29][/SUP] However, in practice, this is not the case, and no examples of 100 per cent reserve banking are observed.[SUP][30]
[/SUP]
Islamic banks have grown recently in the Muslim world but are a very small share of the global banking system. Micro-lending institutions founded by Muslims, notably Grameen Bank, use conventional lending practices and are popular in some Muslim nations, especially Bangladesh, but some do not consider them true Islamic banking. However, Muhammad Yunus, the founder of Grameen Bank and microfinance banking, and other supporters of microfinance, argue that the lack of collateral and lack of excessive interest in micro-lending is consistent with the Islamic prohibition of usury (riba).[SUP][31][/SUP][SUP][32][/SUP]
source wkipedia

 

[Ally Kombo]

nawasiwasi sana na hii bank kufa mda mfupi baada JK kuondoka madarakani au kabla ya kuondoka madarakni...kwa sababu kwanza mtaji walioanza nao ni mdogo sana kulingana na soko la ushindani wa kibank,pia kuna watu wamehibeba siku wakitoweka duniani basi ndiyo mwisho wao.najiliza pia hakuana bank charges zozote zile?sababu kama bank profit inapatikana kwenye mikopo na mikopo kama haina riba wanaendesha gharama za kibank?natabili hii bank itakuwa kifo cha mende na pesa za watu kisha watabaki kulia..

watch out..

NBC, STANBIC, na sasa 'Benki kamili ! Utasubiri sana !

 

[Ally Kombo]

udini mwingine unaingizwa katika huduma za jamii!haya mambo hayakuwepo wakati wa utawala wa mwinyi.hii ndio inaitwa kuvunja amani na nna hakika jk ataiacha hii nchi katika hali mbaya sana
ikiwezekana ktk vita mbaya ya udini

hizi benk zimeenea kuanzia japan mpaka Marekani !

 

[Ally Kombo]

mimi na udini ni sawa na maji na mafuta yatatengana tu, so sina haja ya mkombozi wala amana, ipo nbc, crdb, tpb, azania, akiba, stanbic, etc etc yanini tutengane kwa vitu vya dini, kama tunataka hiyo misingi basi benki zetu hizo hizo saana saana tunaweza kuweka masharti unataka ya fix fee au hiyo ya riba.
maana ya benki ya kila jumuiya ndio inazidi kututenganisha, hivi sasa tu tuko wamoja katika hizo benki hisia zimeanza sasa tukija kwenye mambo kama haya si utengano utazidi

we hujui waislaam wengi wanazikwepa hizo benk za riba? Kwetu riba ni dhambi yakhee !

 

[Topical]

so mnaabudu kwenye huduma za kibenki haa!its funny,me i dnt trust u people.kesho keshokutwa bank yenu itagundulika ina-finance al caeda.
Islam **** tanzania,na huu uozo unatoka huko zanziber na waarabu wenu.bora muungano ufe mrudi huko kula tende na haluwa **********

wewe tu mkuu wazungu (wakristo walioasisi ukristo wako) wanachangamkia islamic banking kwasababu ziko fair..

Sasa wewe usikasirike just don't go..nenda crdb ukakatwe riba..sisi tunatumia bank yetu luna ugomvi mkuu..