Forex: Biashara Haramu kwa Muislamu

[chalii wa ara]

Huu nao unafki kama ili unafki mwingine tu , jiulize kwa nini kila uchao saudi Arabia huko ilipo asili ya islamic religion wanahangaika kununua silaha nzito nzito za kivita ilihali wanaendeshwa na sharia ya dini inayokataza vita ??

 

[king suleman]

Vp Wanao Bet Nao Maana Islamic Nao Wamo Kweli Kweli

 

[Kun Jr]

Kwa ulewa wangu Abdoun umeshindwa kufikirisha ubongo wako hata kwa 1% kati ya 100%
Forex sio haramu kama unavyofikiria
Ngoja nikupe the whole concept ya Forex na inavyofana na biashara yoyote ile

Mfano kwenye soko la mazao
Mfanyabiashara anaponunua mazao kwa bei rahisi kutoka kwa mkulima huwa anaenda kuyauza muda huo huo au anayasubirisha store mpaka pale bei itakapopanda then auze apate faida ila hii ni kwa mtazamo wa mfanyabiashara pekee (Middlemen optimism). Lakini kwa upande mwingine kuna soko la mazao husika na bei zake ambazo hupanda na kushuka bei inaweza kuwa chini au sawa na aliyonunulia kwa mkulima au ikawa juu anaweza akauza akapata faida au akaendelea kusubiria bei ipande zaidi ili apate faida kubwa, lakini muda ambao mfanyabiashara anataka kuuza kunaweza kukawa na sababu either bei ipo chini hivyo inabidi auze tu ili asipatehasara zaidi au bei ni kubwa auze ili apate faida maradufu

Mfanano na forex trading
unapotrade unakuwa umechagua pair mbili za currency mfano EUROUSD unaweza ukanunua(buy) au ukauza(sell)ntatolea ufafanuzi upande mmoja ila kwa upande wa pili vice versa itakuwa sahihi, mfano ukinunua(BUY)EUROUSD kwa lugha rahisi unanunua EURO ukiilinganisha na thamani ya USD lakini katika mda wa kuexecute trade tunaassume zipo sawa kithamani na kuuza USD at the same time, ukibuy EURO/USD inamaanisha unanua EURO na kuziuza ukilinganisha na thamani ya USD ukiamini thamani ya EURO itapanda ukilinganisha au kuipambanisha na USD ambayo unaspeculate USD itashuka thamani na katika trading(ambapo ndiyo sokoni sawa na kuuza mazao) kuna matokeo mawili:
case 01
kushuka kwa thamani ya EURO na kupanda kwa thamani ya USD ambapo kama ulibuy(kutokana na mfano wetu uliposhikilia) utakuwa umepata hasara kutokana na thamani ya EURO ukiipambanisha na USD kupanda hapa wewe kama trader(mfano mfanyabiashara wa mazao)unaweza ukakubali biashara haijaenda vizuri hivyo ukakubali kustop Loss(kwenye forex) kupunguza hasara zaidi mfano mfanyabiashara kuamua kupeleka mazao kwa bei iliyo chini kwa kuhofia bei kuzidi kushuka zaidi ili kupunguza hasara kama bei itazidi kushuka au kuweka mazao store akiamini bei itabadilika na kupanda na vivyo hivyo kwenye forex kuamini bei itapanda na kuendelea kusubiri ipande, kinaitwa kuhold mpaka bei ipande ili uchukuwe faida (take profit)
case 02
kupanda kwa thamani ya EURO na kushuka kwa thamani ya USD ambapo kama ulibuy (kutokana na mfano wetu uliposhikilia) utakuwa umepata faida kutokana na thamani ya EURO ukiipambanisha na USD kushuka chukuwa vice vesa ya case 01

NB
Kila kitu unatakiwa kukifikiria kwa ubongo wako mwenyewe mwenyenzi mungu katupa akili tuzitumie
Tufikirie sana kuhusu haya mapokeo ya dini
MUNGU YUPO TUAMINI
Mtoa mada shule ulienda kupoteza muda haijalishi kama umepata mafanikio kimaisha kutokana na kusoma kwako, Kupata elimu ni kuongeza maarifa na uwezo wa kupambanua mambo
Ahsante

 

[Eddy Love]

Akili Za Kuambiwa Changanya Na Zako

 

[Uncle Jei Jei]

Sawa ndugu zangu waislam... Vp mikopo ya vyuo vikuu maana wanadai usipoanza kulipa baada ya mwaka mmoja tuuu unavyo maliza chuo kuna kariba pale kanapenyezwa... Na ukichelewa zaidi wana double.. Je! Mikopo nayo ya vyuo vikuu ndugu zangu waislam tuiache?

Sio hicho tuu, kuna kitu kinaitwa retention fee kwenye hiyo mikopo ya chuo... Yaani ni aina fulani ya riba inayolinda thamani ya fedha kwa maana kwamba wakati unakopeshwa na wakati utakapoanza kulipa thamani ya fedha itakuwa imebadilika..... hii lazima ilipwe!!!!

Mi nadhani bodi wanatakiwa waliangalie hili wasijewakosesha watu na ahera zao ama la mashekhe wasaidie kutoa ilmu kwa vijana wao waachane na Bodi.... La sivyo turudi kwenye dini walizotukutanazo hao wazungu na waarabu!!!!! Kwanini watuaminishe vyao vizuri na vyetu vibayaaa!?!?

 

[Investaa]

Kama forex trading ni haramu bali tuhamie upande wa pili Binary Options ambako hakuna leverage. Si sawa Sheikh

 

[Abdoun]

Kwa ulewa wangu Abdoun umeshindwa kufikirisha ubongo wako hata kwa 1% kati ya 100%
Forex sio haramu kama unavyofikiria
Ngoja nikupe the whole concept ya Forex na inavyofana na biashara yoyote ile

Uelewa wako mdogo.. soma mada vizuri ili upate kuelewa sawa sawa. Kwa kukusaidia soma section "Muhimu" kwenye uzi. Na ukitaka kuelewa zaidi angalia hiyo video maana ni wazi kabisa hata hujui ninachokiongelea.

Kwa ulewa wangu Abdoun umeshindwa kufikirisha ubongo wako hata kwa 1% kati ya 100%
Forex sio haramu kama unavyofikiria
Ngoja nikupe the whole concept ya Forex na inavyofana na biashara yoyote ile

Mfano kwenye soko la mazao
Mfanyabiashara anaponunua mazao kwa bei rahisi kutoka kwa mkulima huwa anaenda kuyauza muda huo huo au anayasubirisha store mpaka pale bei itakapopanda then auze apate faida ila hii ni kwa mtazamo wa mfanyabiashara pekee (Middlemen optimism). Lakini kwa upande mwingine kuna soko la mazao husika na bei zake ambazo hupanda na kushuka bei inaweza kuwa chini au sawa na aliyonunulia kwa mkulima au ikawa juu anaweza akauza akapata faida au akaendelea kusubiria bei ipande zaidi ili apate faida kubwa, lakini muda ambao mfanyabiashara anataka kuuza kunaweza kukawa na sababu either bei ipo chini hivyo inabidi auze tu ili asipatehasara zaidi au bei ni kubwa auze ili apate faida maradufu

Mfanano na forex trading
unapotrade unakuwa umechagua pair mbili za currency mfano EUROUSD unaweza ukanunua(buy) au ukauza(sell)ntatolea ufafanuzi upande mmoja ila kwa upande wa pili vice versa itakuwa sahihi, mfano ukinunua(BUY)EUROUSD kwa lugha rahisi unanunua EURO ukiilinganisha na thamani ya USD lakini katika mda wa kuexecute trade tunaassume zipo sawa kithamani na kuuza USD at the same time, ukibuy EURO/USD inamaanisha unanua EURO na kuziuza ukilinganisha na thamani ya USD ukiamini thamani ya EURO itapanda ukilinganisha au kuipambanisha na USD ambayo unaspeculate USD itashuka thamani na katika trading(ambapo ndiyo sokoni sawa na kuuza mazao) kuna matokeo mawili:
case 01
kushuka kwa thamani ya EURO na kupanda kwa thamani ya USD ambapo kama ulibuy(kutokana na mfano wetu uliposhikilia) utakuwa umepata hasara kutokana na thamani ya EURO ukiipambanisha na USD kupanda hapa wewe kama trader(mfano mfanyabiashara wa mazao)unaweza ukakubali biashara haijaenda vizuri hivyo ukakubali kustop Loss(kwenye forex) kupunguza hasara zaidi mfano mfanyabiashara kuamua kupeleka mazao kwa bei iliyo chini kwa kuhofia bei kuzidi kushuka zaidi ili kupunguza hasara kama bei itazidi kushuka au kuweka mazao store akiamini bei itabadilika na kupanda na vivyo hivyo kwenye forex kuamini bei itapanda na kuendelea kusubiri ipande, kinaitwa kuhold mpaka bei ipande ili uchukuwe faida (take profit)
case 02
kupanda kwa thamani ya EURO na kushuka kwa thamani ya USD ambapo kama ulibuy (kutokana na mfano wetu uliposhikilia) utakuwa umepata faida kutokana na thamani ya EURO ukiipambanisha na USD kushuka chukuwa vice vesa ya case 01

NB
Kila kitu unatakiwa kukifikiria kwa ubongo wako mwenyewe mwenyenzi mungu katupa akili tuzitumie
Tufikirie sana kuhusu haya mapokeo ya dini
MUNGU YUPO TUAMINI
Mtoa mada shule ulienda kupoteza muda haijalishi kama umepata mafanikio kimaisha kutokana na kusoma kwako, Kupata elimu ni kuongeza maarifa na uwezo wa kupambanua mambo
Ahsante

teh teh teh..Aisee 😀... Unanipa lecture ya forex wakati nimekwambia nimetrade forex tokea 2010/2011.., kipindi hicho napiga "pips" nina uhakika hata neno forex ulikuwa hujui nini maana yake.

ANGALIZO
Watu tusipende kujifanya tunajua vitu tusivyojua, ni bora kukaa kimya kuliko kuongea vitu tusivyovielewa vizuri.. tunajidhalilisha bure na kuonekana mbumbumbu mbele za wanaojua, tusiComment ili mradi tuonekane tumeComment.

 

[Abdoun]

Kama forex trading ni haramu bali tuhamie upande wa pili Binary Options ambako hakuna leverage. Si sawa Sheikh

Kaka.., Binary Options, Futures zote ni haramu mkuu.. Hebu cheki hiyo lecture utaelewa kila kitu kama upo vizuri kichwani. Sikutaka kuzitaja kwenye uzi kwa sababu maalum

 

[PRINCE CROWN]

Sawa ndugu zangu waislam... Vp mikopo ya vyuo vikuu maana wanadai usipoanza kulipa baada ya mwaka mmoja tuuu unavyo maliza chuo kuna kariba pale kanapenyezwa... Na ukichelewa zaidi wana double.. Je! Mikopo nayo ya vyuo vikuu ndugu zangu waislam tuiache?

Swali Mujarabu kabisa. karibu shekhe ujibu swali.

 

[Investaa]

Aayah Gani Zinazungumzia Ribaa Katika Biblia? | Alhidaaya.com

 

[asrams]

Assalam Alaykum,

Kama kichwa cha habari hapo juu kinavyoeleza, uzi huu utajikita kujaribu kutoa mwanga kwa wasiofahamu juu ya uharamu wa biashara ya forex kwa mtazamo wa sheria ya kiislamu.

Kwa siku za hivi karibuni, kumekuwa na uhamasishaji mkubwa sana juu ya biashara hii ya forex kupitia mitandao ya kijamii hapa nchini Tanzania. Waislamu wengi wa Tanzania, kwa kutofahamu dini yao ama kwa kughafilika tu, wamejikuta wakiingia kichwa kichwa kwenye biashara hii pasipo kuelewa kama ni halali ama haramu kwa mtazamo wa sheria ya dini yao.

Binafsi niliifahamu biashara hii ya forex ( na nyinginezo kadhaa) na kufungua Forex Trading Demo Account kati ya mwaka 2010 na 2011 wakati nipo chuo kikuu nje ya nchi (sitoitaja nchi), kipindi nasoma undergraduate. Kiukweli ni biashara inayolipa sana japo ni wachache sana wanaofikia daraja (level) ya kuwa washindi (in a long-term basis), wengi hupoteza pesa kwa sababu ni biashara inayohitaji elimu na uzoefu wa muda mrefu na uvumilivu wa hali ya juu na bahati pia.

Namshukuru Mwenyezi Mungu aliniongoza na nikafahamu kuwa biashara hii hainifai mimi kama muislamu na nikaweza kuachana nayo (japo iliniuma kimtindo, maana ni biashara inayolipa). Mimi nilichoangalia ni radhi za Mwenyezi Mungu kwangu hivyo nikaacha kujishughulisha na kuingiza kipato cha haramu kupitia hii biashara. Binafsi, Akhera kwangu ni muhimu kuliko Dunia.

Niliipoona biashara hii ya Forex imepamba moto nchini, nilijisikia vibaya kuona vijana wenzangu wa kiislamu wakiingia kichwa kichwa. Najua wengi ni kutojua dini tu, maana hata mimi nilikuwa vivyo hivyo mwanzoni. Hivyo niliona dhima kubwa ya kuwafikishia onyo juu ya kujihusisha na biashara hii. Nimeutua mzigo na mbele ya haki kwa Mwenyezi Mungu nitakapoulizwa nitajibu kwamba nilijitahidi kuwaeleza waislamu juu ya uharamu wa hii biashara.

Muhimu
Kuuza na kununua currencies tofauti (kama tanavyofanya kupitia Bureau de Change) si haramu kwa sheria ya kiislamu, kinacholeta uharamu kwenye biashara ya Forex ni System inayoendesha biashara yenyewe (yaani STP na ECN brokerage Systems).

Masheikh wengi wa Tanzania bahati mbaya hawana elimu ya Dunia, na hata hiyo elimu ya dini wengi wapo juu juu tu. Hivyo kamwe usijisumbue kwenda kuwauliza kuhusu Forex. Wengi hata hawajui Forex ni kitu gani kama ambavyo watanzania wengi walikuwa hawajui forex ni kitu gani.

Nakuletea Sheikh Hacene Chebbani kutoka Algeria ambaye anaishi Canada tokea mwaka 1997. Sheikh Hacene ana Masters in Islamic finance (UK, 2012) pia ana BA in Islamic Sharia kutoka Islamic University of Madinah (1993).

Nakuomba fuatilia lecture aliyoitoa Sheikh Hacene kwa wanafunzi kupitia Youtube kuhusu uharamu wa biashara ya Forex kwa mtazamo wa sheria ya kiislamu.



Sheikh anazungumzia masuala mbalimbali ya hii biashara, tafadhali ewe muislamu usiache kuitazama lecture hiyo ili upate elimu juu ya masuala hayo.

Kwa wale watakaoshindwa kuitazama, angalau ondoka na Summary ifuatayo ambayo nimeiwasilisha kwa mtindo wa maswali na majibu (Q&A) kama ifuatavyo:

Swali: Je biashara hii ina Riba??
Jawabu: Ndiyo, Kuna riba kwenye biashara ya Forex

Swali: Je, Islamic forex Trading Accounts (Swap Free Accounts) zipo na brokers wanatoa hii huduma??
Jawabu: Ndiyo zipo. Forex brokers karibia wote duniani wanatoa huduma ya account maalum kwa ajili ya waislamu tu (Islamic Forex Trading Accounts).

Swali: Je, Islamic Trading Accounts zinahalalisha biashara ya forex kwa mtazamo wa Sheria ya kiislamu?
Jawabu: Hapana, Islamic Trading Accounts bado hazihalalishi biashara hii ya Forex kwa waislamu.

Pia Sheikh Hacene amezungumzia masuala mengine kama Margin, Leverage na nidhamu ya ukopeshaji/ukopeshwaji wa mtaji.

Nimetua dhima hii na kilichobaki ni juu yako wewe muislamu, chagua kutii ama kukaidi, Dunia ama Akhera. Hilo ni juu yako.

Namshukuru Mwenyezi Mungu Mtukufu

Ahsante.

Shukran, ujumbe umefika.

 

[Thesis]

Sheikh apple wana Itunes na Apple music,moja inauza muziki na nyengine inatoa huduma ya kustream muziki na muziki kwenye uislamu ni haramu.

Alafu mada yako ndefu lakini hujagusia sababu hasa ya hyo forex kuwa haram.sio wote wataangalia hyo lecture.angalau ungeeleza kinagaubaga sababu halisi ya forex kuwa haram.utakuwa umefanya jambo la msingi.

Ni kweli, msingi wa mada hajaeleza kabisa, ameishia kuzunguka tuuuuuuu kwa kusema forex haram bila kusema nn kinaharamisha. Sio kila mtu ataweza kuangalia hiyo video hadi mwisho. Tusisahau kuwa alichohalalisha Mwenyezi MUNGU ni haram kukiharamisha. Kama forex ni haram basi tuiharamishe kwa haki na kama hatuna uhakika juu ya uharamu wake basi tujizuie kutoa hukumu ya kuhalalisha au kuharamisha. Mwenyezi MUNGU amehalalisha biashara na ameharamisha riba. Pia Mwenyezi MUNGU ameharamisha pombe na kamali na akatoa sababu ya kuharamisha hivyo vitu kuwa pamoja na kuwa vina faida lkn hasara yake ni kubwa kuliko faida. Ni vyema ukaeleza uharamu wake maana forex kwa mtizamo wa juu juu ni kama kwenda kuuza shilingi na kununua Dola unaposafiri kwenda nje ya nchi. Tujifunze kwa wananchuoni wa kuaminika maana wapo wengine wanaunga mkono Boko haram, Al shabab, ISIS and the like, ukiwa mbumbumbu utawafuata. Binafsi Nimejaribu kufuatilia suala la forex, kwa kweli sijafanikiwa kupata wanachuoni waliolielezea kwa ufasaha na ninaendelea kufuatilia.

 

[Basham]

Assalam Alaykum,

Kama kichwa cha habari hapo juu kinavyoeleza, uzi huu utajikita kujaribu kutoa mwanga kwa wasiofahamu juu ya uharamu wa biashara ya forex kwa mtazamo wa sheria ya kiislamu.

Kwa siku za hivi karibuni, kumekuwa na uhamasishaji mkubwa sana juu ya biashara hii ya forex kupitia mitandao ya kijamii hapa nchini Tanzania. Waislamu wengi wa Tanzania, kwa kutofahamu dini yao ama kwa kughafilika tu, wamejikuta wakiingia kichwa kichwa kwenye biashara hii pasipo kuelewa kama ni halali ama haramu kwa mtazamo wa sheria ya dini yao.

Binafsi niliifahamu biashara hii ya forex ( na nyinginezo kadhaa) na kufungua Forex Trading Demo Account kati ya mwaka 2010 na 2011 wakati nipo chuo kikuu nje ya nchi (sitoitaja nchi), kipindi nasoma undergraduate. Kiukweli ni biashara inayolipa sana japo ni wachache sana wanaofikia daraja (level) ya kuwa washindi (in a long-term basis), wengi hupoteza pesa kwa sababu ni biashara inayohitaji elimu na uzoefu wa muda mrefu na uvumilivu wa hali ya juu na bahati pia.

Namshukuru Mwenyezi Mungu aliniongoza na nikafahamu kuwa biashara hii hainifai mimi kama muislamu na nikaweza kuachana nayo (japo iliniuma kimtindo, maana ni biashara inayolipa). Mimi nilichoangalia ni radhi za Mwenyezi Mungu kwangu hivyo nikaacha kujishughulisha na kuingiza kipato cha haramu kupitia hii biashara. Binafsi, Akhera kwangu ni muhimu kuliko Dunia.

Niliipoona biashara hii ya Forex imepamba moto nchini, nilijisikia vibaya kuona vijana wenzangu wa kiislamu wakiingia kichwa kichwa. Najua wengi ni kutojua dini tu, maana hata mimi nilikuwa vivyo hivyo mwanzoni. Hivyo niliona dhima kubwa ya kuwafikishia onyo juu ya kujihusisha na biashara hii. Nimeutua mzigo na mbele ya haki kwa Mwenyezi Mungu nitakapoulizwa nitajibu kwamba nilijitahidi kuwaeleza waislamu juu ya uharamu wa hii biashara.

Muhimu
Kuuza na kununua currencies tofauti (kama tanavyofanya kupitia Bureau de Change) si haramu kwa sheria ya kiislamu, kinacholeta uharamu kwenye biashara ya Forex ni System inayoendesha biashara yenyewe (yaani STP na ECN brokerage Systems).

Masheikh wengi wa Tanzania bahati mbaya hawana elimu ya Dunia, na hata hiyo elimu ya dini wengi wapo juu juu tu. Hivyo kamwe usijisumbue kwenda kuwauliza kuhusu Forex. Wengi hata hawajui Forex ni kitu gani kama ambavyo watanzania wengi walikuwa hawajui forex ni kitu gani.

Nakuletea Sheikh Hacene Chebbani kutoka Algeria ambaye anaishi Canada tokea mwaka 1997. Sheikh Hacene ana Masters in Islamic finance (UK, 2012) pia ana BA in Islamic Sharia kutoka Islamic University of Madinah (1993).

Nakuomba fuatilia lecture aliyoitoa Sheikh Hacene kwa wanafunzi kupitia Youtube kuhusu uharamu wa biashara ya Forex kwa mtazamo wa sheria ya kiislamu.



Sheikh anazungumzia masuala mbalimbali ya hii biashara, tafadhali ewe muislamu usiache kuitazama lecture hiyo ili upate elimu juu ya masuala hayo.

Kwa wale watakaoshindwa kuitazama, angalau ondoka na Summary ifuatayo ambayo nimeiwasilisha kwa mtindo wa maswali na majibu (Q&A) kama ifuatavyo:

Swali: Je biashara hii ina Riba??
Jawabu: Ndiyo, Kuna riba kwenye biashara ya Forex

Swali: Je, Islamic forex Trading Accounts (Swap Free Accounts) zipo na brokers wanatoa hii huduma??
Jawabu: Ndiyo zipo. Forex brokers karibia wote duniani wanatoa huduma ya account maalum kwa ajili ya waislamu tu (Islamic Forex Trading Accounts).

Swali: Je, Islamic Trading Accounts zinahalalisha biashara ya forex kwa mtazamo wa Sheria ya kiislamu?
Jawabu: Hapana, Islamic Trading Accounts bado hazihalalishi biashara hii ya Forex kwa waislamu.

Pia Sheikh Hacene amezungumzia masuala mengine kama Margin, Leverage na nidhamu ya ukopeshaji/ukopeshwaji wa mtaji.

Nimetua dhima hii na kilichobaki ni juu yako wewe muislamu, chagua kutii ama kukaidi, Dunia ama Akhera. Hilo ni juu yako.

Namshukuru Mwenyezi Mungu Mtukufu

Ahsante.

106094: Ruling on dealing in currencies in the FOREX system and paying fees for delaying the deal
Is it permissible to deal in currencies in the foreign exchange market (forex) over the Internet? What is your opinion regarding the issue of tabiyeet (stipulating interest for not using the deal at the same day)? What is also your opinion about the clearing process which is to delay submitting one to two days after the contract ends.

Published Date: 2008-01-08
Praise be to Allaah.


It is permissible to deal in currencies if the deal is done hand to hand and the transaction is free of conditions that stipulate riba, such as the stipulation of fees for delaying the deal, which is interest that is charged to the investor if he does not take a decision concerning the deal on the same day.

With regard to hand to hand exchange, this has been discussed in the answer to question no. 72210.

With regard to the fees for delaying the deal and trading in margins, a statement has been issued by the Islamic Fiqh Council concerning this, which says the following:

Praise be to Allaah alone and blessings and peace be upon the one after whom there is no Prophet, our master and Prophet Muhammad, and upon his family and companions. To proceed:

The Islamic Fiqh Council of the Muslim World League, in its eighteenth session that was held in Makkah al-Mukarramah from 10 to 14/3/1427 AH (8 to 12 April 2006 CE), has examined the issue of trading in margins, which means that the customer pays a small amount of the value of what he wants to buy, which is called a “margin”, and the agent (the bank or otherwise) pays the rest as a loan, provided that the purchase contract remains in the name of the agent as a pledge for the money that was loaned.

After listening to the research that has been submitted and the detailed discussion on this topic, the opinion of the council is that this transaction involves the following:

1 – Dealing in buying and selling for the purpose of profit, and this dealing is usually done in major currencies or financial certificates (shares and bonds) or some types of products, and it may include trade in options, futures and the indexes of major markets.

2 – Loans, which refers to the money given by the agent to the customer directly if the agent is a bank, or via a third party if the agent is not a bank.

3 – Riba, which occurs in this transaction in the form of fees for delaying the deal. This is interest that is charged to the purchaser if he does not make a decision on the same day, and which may be a percentage of the loan or a set amount.

4 – Commission, which is the money that the agent gets as a result of the investor’s (customer’s) dealing through him, and it is an agreed-upon percentage of the value of the sale or purchase.

5 – The pledge, which is a commitment signed by the customer agreeing to leave the contract with the agent as a pledge for a loan, giving him the right to sell these contracts and take back the loan if the customer’s losses reach a specific percentage of the margin, unless the customer increases the pledge in order to compensate for a drop in the price of the product.

The Committee believes that this transaction is not permissible according to sharee’ah for the following reasons:

Firstly: It involves obvious riba, which is represented by the addition to the amount of the loan which is called “paying fees for delaying the deal”. This is a kind of haraam riba. Allaah says (interpretation of the meaning):

“O you who believe! Fear Allaah and give up what remains (due to you) from Ribaa (from now onward) if you are (really) believers.

279. And if you do not do it, then take a notice of war from Allaah and His Messenger but if you repent, you shall have your capital sums. Deal not unjustly (by asking more than your capital sums), and you shall not be dealt with unjustly (by receiving less than your capital sums)”

[al-Baqarah 2:278-279]

Secondly: The agent stipulates that the customer must deal through him, which leads to combining both giving a loan for something in return and paying commission, which is akin to combining giving a loan and selling at the same time, which is forbidden in sharee’ah because the Messenger (peace and blessings of Allaah be upon him) said: “It is not permissible to give a loan and sell at the same time…” The hadeeth was narrated by Abu Dawood (3/384) and al-Tirmidhi (3/526), who said it is a hasan saheeh hadeeth. In this case he has benefited from his loan, and the fuqaha’ are unanimously agreed that every loan that brings a benefit is haraam riba.

Thirdly: Dealings that are done in this manner in the global markets usually involve many contracts that are haraam according to sharee’ah, such as:

1- Dealing in bonds, which comes under the heading of riba which is haraam. This was stated in a resolution of the Islamic Fiqh Council in Jeddah, no. 60, in its sixth session.

2- Dealing indiscriminately in company shares. The fourth statement of the Islamic Fiqh Council of the Muslim World League in its fourteenth session in 1415 AH stated that it is haraam to deal in the shares of companies whose main purposes are haraam, or some of their dealings involve riba.

3- Selling currencies is usually done without the hand to hand exchange which makes them permissible according to sharee’ah.

4- Dealing in options and futures. A resolution of the Islamic Fiqh Council in Jeddah no. (63), in its sixth session, stated that options are not permissible according to sharee’ah, because the object of dealing in these contracts is not money or services or a financial obligation which it is permissible to exchange. The same applies to futures and trading in indexes.

5- In some cases the agent is selling something that he does not possess, and selling what one does not possess is forbidden in sharee’ah.

Fourthly: This transaction involves economic harm to the parties involved, especially the customer (investor), and to the economy of the society in general, because it is based on borrowing to excess and taking risks. Such matters usually involve cheating, misleading people, rumours, hoarding, artificial inflation of prices and rapid and strong fluctuation of prices, with the aim of getting rich quickly and acquiring the savings of others in unlawful ways. Hence it comes under the heading of consuming people’s wealth unlawfully, in addition to diverting wealth in society from real, fruitful economic activity to this type of risk that has no economic advantage, and it may lead to severe economic turmoil that will cause great loss and harm in society.

The Council advises financial institutions to follow the ways of finance that are prescribed in sharee’ah and that do not involve riba and the like, and do not have harmful economic effects on their customers or on the economy in general, like shar’i partnerships and the like. And Allaah is the Source of strength.

May Allaah send blessings and peace upon our Prophet Muhammad and all his family and companions. End quote from Majallat al-Majma’ al-Fiqh al-Islami, issue no. 22, p. 229.

We ask Allaah to guide us and you.

And Allaah knows best.

 

[Thesis]

Onyesha ukomavu wa fikra mzee,usiendeshwe na ushabiki wa kiitikadi.Mada imeandikwa kwaa ajili ya waislamu wewe unaumizwa na nini.hakuna tusi humo wala nini watu wanaelekezana mambo ta dini yao.hata logic ya comment yako siioni.ni sawa aanzishe mtu mada WAKRISTO TUEPUKE WIZI. NI DHAMBI.alafu mie nije na bangi zangu nikomment "kwahyo kuzini na kulitaja jina la bwana bure sio dhambi kwenye dini yenu?",does it make sense?.

Haya basi utuambie wapi umeona uislamu umeruhusu usenge?.grow up dude.dini sio uadui,ni mfumo wa maisha/lifestyle/itikadi,kila mtu ana uhuru wa kuamua afuate mfumo upi.

Vyema sana. Umeeleza vyema, Mwenye akili na ataelewa.

 

[Fais12]

Ahsante ustadh kwa elmu
Nimeshakupa

 

[Thesis]

hii hoja muhimu sana nudge.

unajua kuwa sisi wote tuliojaaliwa na wale wa upande wa pili tunatumia huduma na bidhaa zilipatikana kwa fedha halali na haramu. vitu kama madawa ya hospitali, mabarabara, ulinzi wa nchi, polisi, maji na umeme. pamoja na kulipa wenyewe lakini vingi ya hivi vinalipiwa kutoka kodi la bia, kitimoto na vitu vingine visivyo halali. hapo mola st anaangaliaje au tufanyeje?

Mambo usio na uwezo nayo kibinadamu ni vyema kuyaepuka hata kuyajadili. Mwenyezi MUNGU hakuweka uzito katika dini bali wepesi. Ukifika mahala ambapo usipokula nguruwe unakufa, ni ruksa kula nguruwe pasipo kuzidisha kipimo cha kukufanya uishi tu. Kupitia ruhusa hii kuna hekima kubwa ya Mwenyezi MUNGU ndani yake.

 

[Basham]

Ni kweli, msingi wa mada hajaeleza kabisa, ameishia kuzunguka tuuuuuuu kwa kusema forex haram bila kusema nn kinaharamisha. Sio kila mtu ataweza kuangalia hiyo video hadi mwisho. Tusisahau kuwa alichohalalisha Mwenyezi MUNGU ni haram kukiharamisha. Mwenyezi MUNGU amehalalisha biashara na ameharamisha riba. Pia Mwenyezi MUNGU ameharamisha pombe na kamali na akatoa sababu ya kuharamisha hivyo vitu kuwa pamoja na kuwa vina faida lkn hasara yake ni kubwa kuliko faida. Ni vyema ukaeleza uharamu wake maana forex kwa mtizamo wa juu juu ni kama kwenda kuuza shilingi na kununua Dola unaposafiri kwenda nje ya nchi. Tujigunze kwa wananchuoni wa kuaminika maana wapo wengine wanaunga mkono Boko haram, Al shabab, ISIS and the like, ukiwa mbumbu utawafuata. Binafsi Nimejaribu kufuatilia suala la forex, kwa kweli sijafanikiwa kupata wanachuoni waliolielezea kwa ufasaha.

Refer reply na. 116 imetoa mwanga kidogo

 

[Thesis]

Vp Wanao Bet Nao Maana Islamic Nao Wamo Kweli Kweli

Kubet ni harama kabisa hilo lipo wazi katika aya ya mwenyezi MUNGU "Enyi mlioamini, bila shaka ulevi na kamari na kuabudu masanamu na kupiga ramli ni uchafu katika kazi ya shetani. Basi jiepusheni navyo ili mpate kufanikiwa" (Quran 5:90)

 

[Abdoun]

Sio hicho tuu, kuna kitu kinaitwa retention fee kwenye hiyo mikopo ya chuo... Yaani ni aina fulani ya riba inayolinda thamani ya fedha kwa maana kwamba wakati unakopeshwa na wakati utakapoanza kulipa thamani ya fedha itakuwa imebadilika..... hii lazima ilipwe!!!!

Mi nadhani bodi wanatakiwa waliangalie hili wasijewakosesha watu na ahera zao ama la mashekhe wasaidie kutoa ilmu kwa vijana wao waachane na Bodi.... La sivyo turudi kwenye dini walizotukutanazo hao wazungu na waarabu!!!!! Kwanini watuaminishe vyao vizuri na vyetu vibayaaa!?!?

Swali Mujarabu kabisa. karibu shekhe ujibu swali.

Hili swali mbona limeshajibiwa kwenye comments za mwanzoni..

labda nirudie kama ifuatavyo kwa faida ya wale "wavivu" ama wasio na muda wa kusoma comments:

Nilijibu hivi;

Mikopo ya wanafunzi wa elimu ya juu hapa Tanzania haina riba. Tofautisha riba (faida ya kukopesha vitu vinavyolingana e.g dhahabu kwa dhahabu au pesa kwa pesa ) na inflation (kupungua thamani kwa pesa ya nchi against time), hivi ni vitu viwili tofauti.

Mikopo ya HESLB inajumuisha na inflation kwa kipindi husika, haina riba. Hii ni according to mkurugenzi mkuu wa HESLB.

HESLB hawakutozi riba maana wao sio wafanyabiashara. Wewe unalipa pesa nyingi kuliko ulizokopeshwa kwa sababu thamani ya pesa "ndogo" uliyokopeshwa kipindi unasoma ni sawa sawa kimanunuzi na pesa "nyingi" unayolipa sasa. Thamani ya manunuzi ni ile ile.

Kama HESLB wanatoza riba je kwenye mkataba uliosaini walisema watakutoza riba kiasi(percentage) gani??

 

[Thesis]

106094: Ruling on dealing in currencies in the FOREX system and paying fees for delaying the deal
Is it permissible to deal in currencies in the foreign exchange market (forex) over the Internet? What is your opinion regarding the issue of tabiyeet (stipulating interest for not using the deal at the same day)? What is also your opinion about the clearing process which is to delay submitting one to two days after the contract ends.

Published Date: 2008-01-08
Praise be to Allaah.


It is permissible to deal in currencies if the deal is done hand to hand and the transaction is free of conditions that stipulate riba, such as the stipulation of fees for delaying the deal, which is interest that is charged to the investor if he does not take a decision concerning the deal on the same day.

With regard to hand to hand exchange, this has been discussed in the answer to question no. 72210.

With regard to the fees for delaying the deal and trading in margins, a statement has been issued by the Islamic Fiqh Council concerning this, which says the following:

Praise be to Allaah alone and blessings and peace be upon the one after whom there is no Prophet, our master and Prophet Muhammad, and upon his family and companions. To proceed:

The Islamic Fiqh Council of the Muslim World League, in its eighteenth session that was held in Makkah al-Mukarramah from 10 to 14/3/1427 AH (8 to 12 April 2006 CE), has examined the issue of trading in margins, which means that the customer pays a small amount of the value of what he wants to buy, which is called a “margin”, and the agent (the bank or otherwise) pays the rest as a loan, provided that the purchase contract remains in the name of the agent as a pledge for the money that was loaned.

After listening to the research that has been submitted and the detailed discussion on this topic, the opinion of the council is that this transaction involves the following:

1 – Dealing in buying and selling for the purpose of profit, and this dealing is usually done in major currencies or financial certificates (shares and bonds) or some types of products, and it may include trade in options, futures and the indexes of major markets.

2 – Loans, which refers to the money given by the agent to the customer directly if the agent is a bank, or via a third party if the agent is not a bank.

3 – Riba, which occurs in this transaction in the form of fees for delaying the deal. This is interest that is charged to the purchaser if he does not make a decision on the same day, and which may be a percentage of the loan or a set amount.

4 – Commission, which is the money that the agent gets as a result of the investor’s (customer’s) dealing through him, and it is an agreed-upon percentage of the value of the sale or purchase.

5 – The pledge, which is a commitment signed by the customer agreeing to leave the contract with the agent as a pledge for a loan, giving him the right to sell these contracts and take back the loan if the customer’s losses reach a specific percentage of the margin, unless the customer increases the pledge in order to compensate for a drop in the price of the product.

The Committee believes that this transaction is not permissible according to sharee’ah for the following reasons:

Firstly: It involves obvious riba, which is represented by the addition to the amount of the loan which is called “paying fees for delaying the deal”. This is a kind of haraam riba. Allaah says (interpretation of the meaning):

“O you who believe! Fear Allaah and give up what remains (due to you) from Ribaa (from now onward) if you are (really) believers.

279. And if you do not do it, then take a notice of war from Allaah and His Messenger but if you repent, you shall have your capital sums. Deal not unjustly (by asking more than your capital sums), and you shall not be dealt with unjustly (by receiving less than your capital sums)”

[al-Baqarah 2:278-279]

Secondly: The agent stipulates that the customer must deal through him, which leads to combining both giving a loan for something in return and paying commission, which is akin to combining giving a loan and selling at the same time, which is forbidden in sharee’ah because the Messenger (peace and blessings of Allaah be upon him) said: “It is not permissible to give a loan and sell at the same time…” The hadeeth was narrated by Abu Dawood (3/384) and al-Tirmidhi (3/526), who said it is a hasan saheeh hadeeth. In this case he has benefited from his loan, and the fuqaha’ are unanimously agreed that every loan that brings a benefit is haraam riba.

Thirdly: Dealings that are done in this manner in the global markets usually involve many contracts that are haraam according to sharee’ah, such as:

1- Dealing in bonds, which comes under the heading of riba which is haraam. This was stated in a resolution of the Islamic Fiqh Council in Jeddah, no. 60, in its sixth session.

2- Dealing indiscriminately in company shares. The fourth statement of the Islamic Fiqh Council of the Muslim World League in its fourteenth session in 1415 AH stated that it is haraam to deal in the shares of companies whose main purposes are haraam, or some of their dealings involve riba.

3- Selling currencies is usually done without the hand to hand exchange which makes them permissible according to sharee’ah.

4- Dealing in options and futures. A resolution of the Islamic Fiqh Council in Jeddah no. (63), in its sixth session, stated that options are not permissible according to sharee’ah, because the object of dealing in these contracts is not money or services or a financial obligation which it is permissible to exchange. The same applies to futures and trading in indexes.

5- In some cases the agent is selling something that he does not possess, and selling what one does not possess is forbidden in sharee’ah.

Fourthly: This transaction involves economic harm to the parties involved, especially the customer (investor), and to the economy of the society in general, because it is based on borrowing to excess and taking risks. Such matters usually involve cheating, misleading people, rumours, hoarding, artificial inflation of prices and rapid and strong fluctuation of prices, with the aim of getting rich quickly and acquiring the savings of others in unlawful ways. Hence it comes under the heading of consuming people’s wealth unlawfully, in addition to diverting wealth in society from real, fruitful economic activity to this type of risk that has no economic advantage, and it may lead to severe economic turmoil that will cause great loss and harm in society.

The Council advises financial institutions to follow the ways of finance that are prescribed in sharee’ah and that do not involve riba and the like, and do not have harmful economic effects on their customers or on the economy in general, like shar’i partnerships and the like. And Allaah is the Source of strength.

May Allaah send blessings and peace upon our Prophet Muhammad and all his family and companions. End quote from Majallat al-Majma’ al-Fiqh al-Islami, issue no. 22, p. 229.

We ask Allaah to guide us and you.

And Allaah knows best.

Hii imejipambanua vyema. Lau ikitafsiriwa kiswahili hakika itapendeza zaidi.