Islamic Banking ‘invades’ Tanzania

Mimi ninadhani baadhi yetu tunachangia bila kufahamu undani wake. Kwa maoni yangu mtu awekapo pesa benki anatarajia faida itokanayo na benki kuifanyia biashara pesa za mteja. Benki hiyo inaweza kukopesha ujenzi wa viwanda vyo vileo na vitu vingine ambavyo kwa waislamu ni haramu, pili hata kama benki haitowekeza kwenye mambo ya vileo, katika uislamu riba[interest] ni haramu. Kutokana na hali hiyo baadhi ya benki zimegundua namna ya kupata faida zaidi kwa kufungua account za aina hizo kwa waislam ili wapate faida mara mbili kwani muislamu akiweka pesa zake katika account za namna hii hatarajii faida yoyote ile. Kimantiki hata mkristo au dini yeyote ile akitaka kuweka pesa zake kwenye mfumo huu anaweza lakini asitarajia faida yoyote inayotokana na akiba yake iliyo kwenye account za aina hiyo.

Kiranga said:

Plancscale,

Ndiyo maana mimi nikasema kuna haja ya ku-rexamine hiyo designation ya "Islamic banking". Kama inahusu mambo ya no interest, bila ya kitu kingine ambacho kiko uniquely Islamic, basi iwe "No Interest loan".

After all kuna wakomunisti, wasoshalisti, wakristo etc, wanaamini interest katika mikopo ni exploitation/ unethical/ au hata dhambi fulani hivi. Na wanaweza kukupa misahafu yao invyosema.

Sasa swali langu ni, what is uniquely Islamic about these loans. I'm talking core issues apart from labelling and bismillahing here and there.

Maana unaweza kukuta tatizo ni labelling, Wakristo na sisi atheist hatutaki kutumia service inayoitwa "Islamic banking" wakati hatuamini uislam, lakini tunaona kabisa hii service itatufaa kwa imani zetu kwamba interest ni exploitation.

Kama ni hivyo unaondoa label tu, unaondoa tatizo.

Tatizo sasa kila mtu atataka no interest banking, banking system inaweza ku collapse hivi hivi.

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This is a free society. Kama mtu anapenda islamic banking, basi atumie hiyo facility. Kama wewe shida yako ni interest free loan lakini hutaki hiyo benki ya kiislamu, basi tafuta benki nyingine ya aina hiyo ukatumie, kama hakuna you are free to establish one au uipigie debe wenye uwezo waanzishe uitumie, bado wafanyabiashara wa banking wanafanya tafiti za namna ya kuboresha huduma zao watashukuru kukusikia.

Makelele ya nini na biashara za wenzenu? Wao wanatafuta namna ya kuhakikisha hawapotezi mteja kwa sababu ya kiimani, na wamebuni mbinu hiyo ya islamic banking, wewe shida yako nini? Biashara ni ubunifu mtu wangu.

Kulikuwa hakuna benki ya aina hiyo na huwezi jua pengine walikuwa hawachukui riba inawezekana viongozi wa jamii za dini hiyo ndiyo waliyoshindikiza kuwepo na account za aina hiyo. Siyo vizuri kujudge bila ya kuwa na data kufanya hivyo ni udaku

Abunwasi said:

Kulikuwa hakuna benki ya aina hiyo na huwezi jua pengine walikuwa hawachukui riba inawezekana viongozi wa jamii za dini hiyo ndiyo waliyoshindikiza kuwepo na account za aina hiyo. Siyo vizuri kujudge bila ya kuwa na data kufanya hivyo ni udaku

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Ndio maana nasema inafaa ziwepo benki kama hizi islamic banking ili wenzetu wasikwazike katika imani yao.

Gaijin said:

mwanamayu ......hebu tuwekee wazi kipengele katika kanuzi za BOT ambacho kimevunjwa.

hapa naona ni kuvutiana mpira tu ...............kundi moja linasema imevunjwa moja linasema haijavunjwa.

sheria imevunjwa vipi? isitoshe sidhani kama hiyo huduma imewekwa kutokana na shinikizo la mufti ( he is a nobody......sasa tu anakula ujiko utasema kaiomba yeye). .....kama nawewe hutaki kulipa riba jiunge kwenye islamic banking au ndio hatuwezi kujiunga japo kama ina faida as long as imeitwa islamic banking? kama ni hivyo we have a long long way

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Kama DECI ingekuwa inamilikiwa na waislamu..nadhani humu ndani ya JF kungewaka moto.Lakini kwa sababuilikuwa inamilikiwa na kanisa, sijaona criticism ya kiwango hiki.Wabongo kweli ni wabaguzi,yani chuki inatufanya tushindwe hata kuona ukweli???poleni wakorintho na wagalatia maana mnashindwa kuelewa kuwa hata ninyi mnaweza kuwa wateja wa huo mfumo endapo mkitaka.ukitaka kufungua account ya aina hiyo, huulizwi dini yako.hint...mke wangu ana account katika moja ya benki za kanisa,naye ni muislamu.na wakati anafungua hakuulizwa swali linalohusiana na dini yake.....LOL

Abunwasi said:

Mimi ninadhani baadhi yetu tunachangia bila kufahamu undani wake. Kwa maoni yangu mtu awekapo pesa benki anatarajia faida itokanayo na benki kuifanyia biashara pesa za mteja. Benki hiyo inaweza kukopesha ujenzi wa viwanda vyo vileo na vitu vingine ambavyo kwa waislamu ni haramu, pili hata kama benki haitowekeza kwenye mambo ya vileo, katika uislamu riba[interest] ni haramu. Kutokana na hali hiyo baadhi ya benki zimegundua namna ya kupata faida zaidi kwa kufungua account za aina hizo kwa waislam ili wapate faida mara mbili kwani muislamu akiweka pesa zake katika account za namna hii hatarajii faida yoyote ile. Kimantiki hata mkristo au dini yeyote ile akitaka kuweka pesa zake kwenye mfumo huu anaweza lakini asitarajia faida yoyote inayotokana na akiba yake iliyo kwenye account za aina hiyo.

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Kaka umenena na hata ukijaribu kufahamisha watu hawafahamu matokeo ni kupoteza nguvu nyingi kwa kazi kiduchu

Notradammus said:

Kama DECI ingekuwa inamilikiwa na waislamu..nadhani humu ndani ya JF kungewaka moto.Lakini kwa sababuilikuwa inamilikiwa na kanisa, sijaona criticism ya kiwango hiki.Wabongo kweli ni wabaguzi,yani chuki inatufanya tushindwe hata kuona ukweli???poleni wakorintho na wagalatia maana mnashindwa kuelewa kuwa hata ninyi mnaweza kuwa wateja wa huo mfumo endapo mkitaka.ukitaka kufungua account ya aina hiyo, huulizwi dini yako.hint...mke wangu ana account katika moja ya benki za kanisa,naye ni muislamu.na wakati anafungua hakuulizwa swali linalohusiana na dini yake.....LOL

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Mie nadhani uelewa wa mambo nao unachangia kwa kiwango fulani kuwa na mawazo finyu mtu anakurupuka tu kusema hii ni kwa waislamu hana hoja ya msingi wala facts za kusubstantiate allegation zake mradi nae amechangia huu ni mtindio wa akili wazee

Mag3 said:

Sasa kama ni hivi, Shariah Advisory Authority ya Masheikh na Maimamu inakujaje hapa kama lengo ni kuendesha tu benki ? Hapa naamini kuna kitu kimejificha na ndiyo maana wengine twasema ni chombo chenye harufu ya udini na kwa maana hiyo kiendeshwe wazi wazi kama taasisi ya kidini kwa kutumia sheria za kidini, shariah, bila serikali kujihusisha moja kwa moja ? Lazima tukubali kuwa kuna Watanzania ambao hilo neno tu shariah linawakwaza na hawatako tayari kabisa kuhusishwa nalo.
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Masheikh na Maimam (Sharia advisory Authority) ni muhimu kwa ajili ya ku monitor na kuhakikisha Financial product zinafuata sharia compliance, wao ndio wasomi wanaoelewa islamic finance ioperate vipi sio wachungaji

Ukiwaachia Bank pekeyao wa determine sharia finance wanaweza kudanganya, kwa sababu malengo ya bank ni maxmise profit, kwa hiyo laziam kuwe na wataalam watakao wamonitor

Watanzania kweli kukujadili porojo mpo sana.. What does it matter inaitwanini. Nchi haiwezi endelea because the majority of ****** are just fixated on the mundane. No one thinks outside the box, or even on the edge. Hakuna mjadala hapa ni ktiu cha kawaida tuu.. I dont even know why people are alarmed.

Mag3,
Mkuu mimi ni Muislaam na naishi Toronto, Canada... sijawahi kusikia hii kitu Muslim Canadian Congress within Muslim communities..Pengine hufahamu ya kwamba hizi site zinaweza kutungwa na mtu yeyote ukatumia majina ya kiarabu kuonyesha kwamba ni jumiya ya Waislaam. Kifupi nikwambie afadhali hata hao Bakwata wanajulikana tanzania kuwakilisha Waislaam lakini hawa MCC hawajulikani popote hata ktk serikali (Utawala) wa Canada kama representative wa Waislaam.

Hata hapa Jamiiforum tunaweza kuanzisha kanisa kama la Kakobe na kudai lolote lile. Tunaweza kudai kuwa chama pinzani cha CCM na kujiita kundi la wanaCCM kupinga kila hatua ya CCM. Na wajinga wengi watauvaa mkenge kama huu..Kusmea kweli naweza sema kwamba MCC ni Wayahudi Zionist ambao kwa fikra zao wamejua kuna wajinga wanaoweza kumeza dawa hii. Kosa kubwa walilotumia ni pale walipohusisha Islamic banking na Saudia Arabia au Wahabi jambo ambalo kwa Muislaam yeye atacheka sana..

By the way, pengine umesoma haraka haraka ujumbe wako pasipo kuelewa kwamba huyo Farzana Hassan ambaye tunaambiwa ni President wa MCC ndiye Chief Executive Officer of the Canada Mortgage and Housing Corporation (CMHC). Sasa inakuwaje huyu President wa MCC chama alichoikanzisha yeye kuandika barua CMHC ambako yeye tena ni Chief Executive kupinga ujio wa Islamic banking system na akizungumzia sekta ambayo yeye ameajiriwa na serikali..Besides Hii MCC imeanzishwa lini maanake naishi Toronto na hapa ndipo inasemekana ndio base yake.. Hakuna Muislaam wala msikiti wanakijua choinbo hiki.

Mtu B said:

Kwa kweli sijawahi kuwasikia wakristo wakikataza hiyo riba. Na majuzi makanisa ya waluteri na wakatoliki wamefungua benki zao za biashara, nakumbuka ile ya wakatoliki kule Dar nadhani inaitwa Mkombozi au Ukombozi, ilizinduliwa na rais mstaafu mzee Ruksa. Benki ya waluteri iko makao yake makuu Moshi pale Lutheran Centre. Huko kote riba ni kwa kwenda mbele, yaani wanaangalia mafao tu jamaa hawa.

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Mkuu kuwepo kwa riba ktk Bank za kikristu hapa nchini haina maana kuna Uhalali.. Hapana mkuu, ukweli ni kwamba Hata Bank ya Vatican waliwahi kujiingiza ktk biashara za Mafia mob huko Italy (money laundry) ikawa noma kichizi kufikia watu walitaka Pope ajiuzuru... Hii haikuwa nam maana Ukristu unaruhusu money laundry.. Hizi ni tamaa za kibiadamu ambazo sote tunajaribu kupambana nazo na wapo watu baina yetu wanaoshindwa kuokoka kiroho hata ndani ya madaraka makubwa, tuwahukumu wao na sio dini..
Hakika ikitokea Bank ya Kikristu inayokataza riba, nitaiunga mkono na kuweka fedha zangu kwa kuelewa faida yake na sii kwa sababu ni ya Kikristu.

cha msingi ni jamii za dini zisianzishe mifumo ya kujitenga tuu wote wawe huru kwa mambo yao, jamii zisianzishe vitu kwa mashindano ya dini kwani inaweza kuzaa utengano, ikiwa lengo kuu la uanzishwaji wa taasisi basi ni nzuri zaidi kwani mbona kuna shule za kidini na ata mabenki ya kidini lakini basi ata mkristo awekewe mazingira ambayo akitaka kufungua account ya shariah naye asikatazwe kama ilivyokuwa kwa benki ya wakinamama na account ya malkia

lengo liwe moja tuu maendeleo na si ubaguzi

Mdondoaji said:

Section 3 hiyo hiyo ikaja ikasema kuwa business of banking nanukuu , "means the business of receiving funds from the general public through the acceptance of deposits payable upon demand or after a fixed period or after notice, or any similar operation through the frequent sale or placement of bonds, certificates, notes or other securities, and to use such funds, in whole or in part, for loans or investments for the account of and at the risk of the person doing such business".

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Ingawa siyo Mtaalam wa Sheria, lakini kwa tafsiri ya kawaida ya Kiingereza hapo juu inasema risk ya biashara yoyote itabebwa na Mteja (person) na siyo Benki. Kama tafsiri hii ni sahihi, basi inaonekana ni wazi dhana za Musharakah and Mudarabah ambazo zinatumia Risk Sharing kati ya Benki na Mteja zitakuwa haziendani na kipengele hiki cha BOT Act.

Mag3 said:

So how does the Murabaha Mortgage work?; When you find the house that you wish to buy, you arrange a sale price with the vendor as normal, however the bank pays the purchase price, then immediately sells the house to you at a higher price - the higher price is determined by the original price of the property, and the repayment period that you will have agreed with the lender minus the percentage you pay as deposit.​

Sasa kama ni hivi, Shariah Advisory Authority ya Masheikh na Maimamu inakujaje hapa kama lengo ni kuendesha tu benki ? Hapa naamini kuna kitu kimejificha na ndiyo maana wengine twasema ni chombo chenye harufu ya udini na kwa maana hiyo kiendeshwe wazi wazi kama taasisi ya kidini kwa kutumia sheria za kidini, shariah, bila serikali kujihusisha moja kwa moja ? Lazima tukubali kuwa kuna Watanzania ambao hilo neno tu shariah linawakwaza na hawatako tayari kabisa kuhusishwa nalo.​

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Mkuu wangu unazungumza pasipo kufikiria biashara zote zinafanyika vipi.. Mathalan, wewe unayekwenda kununua Bia yako Bar hivi umewahi kufikiria unaibiwa?..Bia hiyo inatengenezwa na Breweries na wanaiuza kwa Tsh700 lakini ili ikufikie wewe, mwenye bar anainunua na kukuuzia kwa Tsh1,200. Maadam wewe unaikubali bei ya Tsh 1,200 sidhani kama mwenye bar atahukumiwa kwa sababu origin bei ya TBA ni Tsh700. Huwezi kuhukumu mtu pasipo kuchukua kwanza gharama zake na kuijua faida yake.. msichukulie vitu at face value.

Mkuu wangu kwa kila kitu unachonunua kuna mkono wa mtu (middleman) ili kuwezesha hili neno biashara kuwa na maana. Hivyo Bank ya Kiislaam inachukua mfumo huu wa makubaliano ya kibiashara baina ya mteja na muuzaji as a middleman badala ya mtu aku charge bia kwa masaa unayokaa kijiweni na kila funda unalomeza. Zaidi ya hapo kama utawekeza dhahabu ounce moja ambayo umeinunua kwa Tsh 1m ikapanda thamani kufikia Tsh1.3m Utapewa Tsh 1.3 thamani ya ile dhahabu ounce moja...Ni faida yako huta chajiwa interest hata kama wao wamepata hasara ktk mzunguko.

Kuna tofauti kubwa sana unapozungumzia Faida na Interest, interest ni wizi mtupu mkubwa pengine mwenzetu hujanunua vitu kwa njia hii maanake Bongo hata credit card ni pre paid hivyo unatumia fedha yako mwenyewe bado unakatwa interest kila unapoitumia fedha yako ku withdraw - Huu ni wizi mtupu

Chombo hiki kimeitwa Islamic Bank kwa sababu kinatumia Islamic law ktk maswala ya biashara na uhalali wake..Huwa tunasema Kuran haikuacha kitu.. Uislaam ni way of life meaning hata wewe Kristu wa jina unaweza kuishi Kiislaam kuliko mimi.. Ni mfumo wa maisha unaotutaka tuwe WAZI wenye kutoa haki inapostahili pasipo kumnyonya mtu. Kifupi ni kweli kabisa Uislaam unapingana sana na Ubepari, Uislaam ni sawa na Usoshalist hivyo hivyo ukifuata Ukristu kwa haki utakuta unakatazwa mambo yote yanayo amrishwa na Binadam isipokuwa Mungu.. Ukiyafuata ya Mungu ukaacha ya binadam - U become a Muslim. Its simple as that.

Mkandara said:

By the way, pengine umesoma haraka haraka ujumbe wako pasipo kuelewa kwamba huyo Farzana Hassan ambaye tunaambiwa ni President wa MCC ndiye Chief Executive Officer of the Canada Mortgage and Housing Corporation (CMHC). Sasa inakuwaje huyu President wa MCC chama alichoikanzisha yeye kuandika barua CMHC ambako yeye tena ni Chief Executive kupinga ujio wa Islamic banking system na akizungumzia sekta ambayo yeye ameajiriwa na serikali...

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Very bizarre indeed, dude!

Ndjabu,
Hiyo ni popote unapowekeza mkuu. Ukinunua nyumba kwa mkopo na bahati mbaya ikashuka bei baada ya kununua, bank hawapo responsible na hasara hiyo. Unapowekeza fedha yako au kununua shares ktk orodha yao kama kutatokea kushuka kwa thamani, hasara itakuwa yenu nyote kwani kushuka kwa soko ni hasara kwa pato lako na la Banki waliowekeza. Tofauti ya hizi bank ni wapi fedha yako itatumika ktk uwekezaji..watanunua dhahabu, Oil, electronics n.k na sio Pombe, sigara na Viagra..

The main problem which I see for these nonsense threads is a lack of knowledge on Islamic finance and preconceived preference about those who always see Islam on a negative way (i.e few criminals happen to be muslims blew up themselves to harm innocent people which is against Islam). Before discussing or giving your opinion about the service itself you need to have all facts and knowledge about it.
This is nothing but a A market segmention which is a sub-set of a market made up of people or organizations sharing one or more characteristics (Islam) that cause them to demand similar product and/or services based on qualities of those products such as price or function.
Since This product is not delivered in discriminatory, that is whoever of whatever religion can buy this product there is nothing to complain about it. In a free market economy you are free to buy any other products according to your demand. Attacking Islamic finance is unfair and nincompoop.

Concerning the people who deliver the product, there is nothing says who can do what but it states exactly how this can be done. If you are a "Sukuma" wearing a KILTdoes not make you SCOTTISH but the KILT will remain to be KILT regardless of who is wearing it.








Know what is Islamic Finance?
The basis for all Islamic finance lies in the principles of the Sharia, or Islamic Law, which is taken from the Qur'an and from the example of Prophet Muhammad (peace be upon him). The Islamic form of finance is as old as the religion of Islam itself.

Central to Islamic finance is the fact that money itself has no intrinsic value. As a matter of faith, a Muslim cannot lend money to, or receive money from someone and expect to benefit – interest (known as riba) is not allowed. To make money from money is forbidden – wealth can only be generated through legitimate trade and investment in assets. Money must be used in a productive way.

The principal means of Islamic finance are based on trading(halal trade) – it is essential that risk be involved in any trading activity. Any gains relating to the trading are shared between the person providing the capital and the person providing the expertise.

Mkandara said:

Ndjabu,
Hiyo ni popote unapowekeza mkuu. Ukinunua nyumba kwa mkopo na bahati mbaya ikashuka bei baada ya kununua, bank hawapo responsible na hasara hiyo. Unapowekeza fedha yako au kununua shares ktk orodha yao kama kutatokea kushuka kwa thamani, hasara itakuwa yenu nyote kwani kushuka kwa soko ni hasara kwa pato lako na la Banki waliowekeza. Tofauti ya hizi bank ni wapi fedha yako itatumika ktk uwekezaji..watanunua dhahabu, Oil, electronics n.k na sio Pombe, sigara na Viagra..

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Kulingana na kanuni za Islamic Banking, faida na hasara zinagawanywa baina ya Mteja na Benki. Naweza kuwa sijatafsiri vizuri kile kipengele cha BOT Act, lakini hii ya Profit and Loss Sharing in Shariah Banking is definitely correct mjomba!

Mkuu wala hii isikupe wasiwasi kabisa kuhusiana na Bank.. Ebu pata maelezo haya kisha tuyajadili pale unapokwazwa...Nadhani unajua vizuri kuhusu Bonds au sio..

The concept of profit-and-loss sharing in an enterprise, as a basis of financial transactions is a progressive one as it distinguishes good performance from the bad and the mediocre. This concept therefore encourages better resource management. The Islamic sukuk system is similar to bonds of capitalist system, but in sukuk, money is invested concrete projects and profit share is distributed to clients instead of interest earned.