Islamic Banking ‘invades’ Tanzania

Sasa naanza kupata mwanga kwa mbaaaaali kwanini nchi haisongi mbele.. inabidi vipite kaa vizazi 5 ndio tutakuwa na watu wenye kuchallenge vitu based on reason..Sasa hivi nimegundua kuna matatizo zaidi ya vile nilivofikiria..So sad, ngoja nikamuone Bishop Cognac aniombee niepukane kupigizana kelele na kizazi hiki cha wanafiki.

Mimi nina maswali mawili tu.

• La kwanza ni ili asiye Muislamu aajiriwe kwenye hii benki inayofuata mafundisho ya sharia, je huyu mpagani/mkristo au kafir itabidi kwanza apigwe msasa katika sheria hizo za benki ?
• La pili je kwenye hiyo "shariah council" inayooversee uendeshaji wa benki kama unafuata kamili misingi ya dini ya Kiislamu yaani shariah, je anaweza kuajiriwa mpagani/mkristo au kafir ?

Nikipata haya majibu kwa mtaalamu yeyote nitakuwa na swali la nyongeza, asanteni.

Mzee Mwanakijiji said:

hata sielewi hayo ya kuwapenda wayahudi zaidi kuliko mataifa yote yametoka wapi! au mambo ya uhusiano wa imani ya mkristu na myahudi - kwa sababu najua sijayasema mimi. Ninachosema ni kuwa nakubaliana na uwepo wa mfumo wa kibenki wenye maadili ya Kiislamu kwani haupingani na mafundisho ya Kanisa Katoliki wala kanuni mbalimbali za kiuchumi. Ninachokataa ni baadhi ya watu ambao wanataka watanzania waanze kuogopa kwa sababu wamesikia "sharia banking" as if mfumo pekee wa kibenki unaotufaa ni ule wenye asili ya Kimagharibi.

Click to expand...

Mkuu nilikuelewa vizuri sana isipokuwa nilikuwa ktk kurekebisha usemi kwamba mfumo banking upo ktk falsafa ya Kikristu kwa sababu waanzilishi walikuwa wayahudi. ndio nikasema kwamba mfumo wa Benki hauhusiani kabisa na dini iwe wakristu wala Wayahudi. Ilitokea tu kwamba waanzilishi wa mfumo wa Kibepari ni watu waliokuwa na asili ya Kiyahudi kitu ambacho hakiwafanyi wao wacha Mungu.

Kifupi ni ujinga mkubwa kwa wale wanaotaka kutumia mfumo wa bank pasipo interest kuwa ni mfumo wa sheria ya kiislaam hali huu ni mfumo wa wacha Mungu wote duniani. Imani yangu Myahudi ni mfuasi wa Juda yaani Mcha Mungu na sii kweli kwamba kila MuIsrael alikuwa mcha Mungu au mfuasi wa Judaism. Wapo Wayahudi jina kwa kuzaliwa kama imani za dini nyinginezo..
Kwenye hili nipo na wewe kabisa hasa kwa nchi kama yetu ambapo maskini ya watu wanadhulumiwa kwa riba ambayo imefikia hadi asilimia 30, kubwa kuliko nchi yoyote ya magharibi. Kubvwa kuliko hata mtu anayechukua Visa Gold au Platinum..Huu ni wizi mkubwa ambao hautakiwi kuwekwa ktk imani ya dini yoyote. Na hakika kama mimi ningekuwa rais wa nchi kitu cha kwanza ningepiga marufuku Utozaji riba wa asilimia 30 kwa maskini wafanyakazi na wakulima ambao on top of that ni lazima waweke rehani nyumba zao. Mwisho wa siku watu hawa hujikuta wakiingia ktk umaskini zaidi.

Msanii said:

msifungwe NIRA pamoja nao, TOKENI MKAJITENGE NAO......

SHIME WASIOPENDA KUBURUZWA NA SHARIA IN THEIR LIFE WAKAFUNGE AKAUNTI ZAO WAHJAMIE KUSIKO NA SHARIA BANKING. WAWAACHIE HIZO BANK WANAOPENDEZEWA NA SHARIA IN THEIR LIVES.

mIMI NIMESHAFUNGA ANAKUTI YANGU YA NBC LEO NIMEHAMISHIA KTK AKAUNTI YANGU NYINGINE KTK BENKI YA......

Click to expand...

wengi tu tuko mbioni kuwaachia bank yao, wameconnect bank na mtandao wa kuzimu/shetani (sharia), si ajabu pesa zetu zitaanza kuhesabiwa na shetani kabla hazijafika kwetu wakati wa kuchukua, zitapigwa chuma ulete hadi watu wakome....ondoa pesa ili wabaki wao tu...mbona NMB, CRDB na zingine zipo? yaani pesa yangu mimi iwe connected na mtandao wa sheria za kiislam? duh..hiyo so bank yangu mimi.

and this is a very good took to strike JK this year, atatuambia kwanini uislam unaingilia masuala ya umaaa, akitueleza tukaelewa ndo tutampa kura. kuna dogo kanambia this has been one of the leading debates kwenye ibada za makanisa, wachungaji wanahofu na ii kitu na wanafanya kazi nzuri kuwashauri waumini wao how to get rid of it....you will see.

Huu uisilamu sasa! itafikia hata baadhi ya maduka tutaambiwa ukitaka kununua lazima uwe muisilamu.

This is pointless, cynics will criticize even their own mother's womb from which they entered the world,as long as they just say something critical..

If the banks creative minds have decided to increease their revenue by offering Sharia govern bank services to those who desire, I do not have problem, kudos to the bank.

My beef is with the Newspaper heading with the usage of word "invades"! It makes me wonder if the newspaper and its editorial board are anti-Islam which I do not believe is the case, rather is bunch of incompetent journalist, reportes and editrs who are not careful to check their work.

A quick look at the heading implies that Islamic banking is a bad thing and it has now invade Tanzania as if it is such an evil thing. If I ware the editor, I would have simply stated this "Banks in Tanzania are intrudicing Sharia banking products"! Case closed!

The choice of word "Invade" may provoke anger, turmoil and even elements of people being insensitive just as how the journalist/reporte and his editor ended doing!

Kinyambiss said:

Aisee yani watanzania tunakuwaga na fascination with the mundane. Kwanza We Invisible hii thread umetumia neno ambalo lina seditious elements "invades" and once you add that to conspiracy hungry crowd hapa JF= the Caliphate will soon engulf Tanzania bla bla Effin Bla.. Hakuna kitu chochote hapa. Invisible umetuwekea heading ambayo, had it been from anyone else, I would have said niyakifitini lakini I still believe that you might have some element of objectivity which leads me to the obvious conclusion that you just wanted to play arsonist... light the fire and watch it BURN! You must have predicted that there would be outrage amongst the not-so-enlightened hapa JF. Lets just say that "The Home of Great Thinkers" also houses some not so great thinkers (at least as lodgers).. perhaps overstaying their welcome.

The substance and quality of discussions in this forum continues to decay, beginning to dull eager minds becoming more and more a great pass-time for the not-so-endowed. The future........what do you think?

Click to expand...

Kinyambiss,

In defense of my fellow Chelsea fan, naomba niseme hiyo heading iliwekwa hivyo na wenye gazeti. Mimi hii habari nimeisoma siku ilipotoka na reaction yangu ilikuwa ni matumizi wa editor ya neno invades.

Unless unadhania Invisible naye kafanya makusudi kuanzisha gumzo humu ndani, may be Asiyeonekana itabidi ajieleze!

Mag3 said:

Mimi nina maswali mawili tu.

• La kwanza ni ili asiye Muislamu aajiriwe kwenye hii benki inayofuata mafundisho ya sharia, je huyu mpagani/mkristo au kafir itabidi kwanza apigwe msasa katika sheria hizo za benki ?
• La pili je kwenye hiyo "shariah council" inayooversee uendeshaji wa benki kama unafuata kamili misingi ya dini ya Kiislamu yaani shariah, je anaweza kuajiriwa mpagani/mkristo au kafir ?

Nikipata haya majibu kwa mtaalamu yeyote nitakuwa na swali la nyongeza, asanteni.

Click to expand...

Mag,

Basically a bank offers a product that it is tailored to suit the consumers. In US most banks now offer free checking accounts with features such as online access and free checks.

With this Sharia banking, it is a responsibility of the marketing department of a Bank to understand what are the needs of Muslims as customers and consumers and offer a product that will be tailored to them.

It is a very simple process and there is no need for one to be an expert on Sharia if one is a Bank teller or personal banker. All the legal jargon has already been worked behind the scenes and all that the employee has to offer is a product to a customer.

One may have to look at this from a different angle. If American banks offer interest free products to its customers on basic products such as checking account and perhaps offer a low interest products to those with good credit ratings, should one think of the so called Sharia Banking product being simply a non interest bearing bank product?

In fact with such product, regardless of customers whether it is Muslim or non muslim, the banks are set to increase its capital and investment if majority of people who did not like the idea of interest rates or its complexities, wil start sending deposits to these banks!

Mag3 said:

Mimi nina maswali mawili tu.

• La kwanza ni ili asiye Muislamu aajiriwe kwenye hii benki inayofuata mafundisho ya sharia, je huyu mpagani/mkristo au kafir itabidi kwanza apigwe msasa katika sheria hizo za benki ?
• La pili je kwenye hiyo "shariah council" inayooversee uendeshaji wa benki kama unafuata kamili misingi ya dini ya Kiislamu yaani shariah, je anaweza kuajiriwa mpagani/mkristo au kafir ?

Nikipata haya majibu kwa mtaalamu yeyote nitakuwa na swali la nyongeza, asanteni.

Click to expand...

Mkuu kwa nini mnafikiria kwamba wakristu hawataruhusiwa?..Je, kuna Bank hata moja unayoifahamu inayofanya hivyo au mnachukulia tu neno Sharia kuwa ndio Uislaam na Uislaam ni Ubaguzi.

Mkuu wangu kinachozungumziwa hapa ni misingi ya biashara baina ya bank na mteja wake ipo ktk misingi gani..Usitegemee kupokea ama kutoa riba. Na katika uwekezaji wa fedha yako hazitawekezwa ktk miradi ambayo ni haramu kwa waumini... mimi sintatumia jina Waislaam ila waumini kwa maana ya wale wote wasiopenda biashara haramu.. Haramu haina dini moja iwe mkristu au Muislaam au Myahudi..
Acha kuwa Mkristu, unaweza kuweka hata fedha za EPA ktk account yako na usiulizwe kitu ila usitegemee interest juu yake..Hii ni msingi ya biashara yenyewe na hata ukienda nchi za Kiarabu utakuta hazibagui mtu kuweka fedha yake ila unatakiwa kufahamu kinachoifanyika ni kama zilivyo Bank nyinginezo zinafungua account ya dollar ya Mnyamwanga tu wasikubali fedha ya Zambia au Kenya.. haina maana nchi hizo zinabaguliwa...its just business..
Hata

By the way Waliokwenda kujifunza namna ya Uanzishwaji wa Sharia Banking wengi ni Wakristo hapo BOT.

Mengi yaliyoharamu ktk Uislam ndio Haram ktk Ukristo pia...sema nafsi zetu Binadamu ndio ngumu.

Ili usimamie products yoyote lazima uisomee, nafikiri waajiriwa wa Bank zote wamesomea fani hizo.

RIBA inatuumiza sote...tena kwa Tanzania ndio kabisa RIBA imefikia 15%. au zaid...na unaambiwa RIBA inazaa....!!! Ukiwauliza wengi wenye madeni ktk mabank wanalia na RIBA...!!!

Nchi zetu za Africa tumekuwa maskini kwa kiasi kikubwa ni kwaajili ya RIBA...Leo hii tunakopeshwa Billion 100....lkn after 10yrs hatujalipa hilo deni linazaa....matokeo yake Viongozi wanakata tamaa ya kulilipa....wanakubali kuwanyenyea waliowakopesha!!!..

Ujaji wa Products hizi sote tutaweza nunua nyumba ktk mortgage bila RIBA...lkn pia kuchelewa kulipa deni hakufanyi DENI liongezeke...!!!

Hizi Banks kinachoangalia ni Faida kwao..!!!!.kuna tetesi kuwa hata Bank ya Wakatoliki imeshafanya mazungumzo na baadhi ya consultants wa Bank za Kiislam ili nao waaanzishe hizo services.(Sina hakika ndo maana nikasema tetesi, wasije watu kunishika koo)...!!!

Article za mabenk zipo clear tu hakuna atakaebaguliwa ktk products hizo...!!!

JF bwana hii ishu ni very basic. Lakini mlolongo mwingi. Tunakuwa sensitive na vitu vya kawaida saana kiasi kwamba hata ikija ishu serious watu hawaonekani kama wapo serious. Integrity ya JF iko wapi? Yaani watu wanatengeneza imagination ambazo ni impractible.
Yaani Taifa letu lina matatizo makubwa! Maana hawa wanaobonyeza keyboard wanawaza hivi je wasiozifaham keyboard. Angalia ufafanuzi wa Mkandara, Mwanakijiji na Rev Kishoka (hawa wachache) wangetosha kutufanya tuelewe lkn ohpss!!!

Ukweli ni kwamba sheria za kiislam ziko on the rise na zinakuwa more favorable sasa all over the world na kutarajiwa kutake over common law,tatizo sisi waafrika kwakuwa ni wafuata mkumbo bado hatujui,na kwahiyo sidhani kama wakristo watamchagua JK this time around,wasilam asilimia 40,wakristo sijui ngapi,hata hivyo huu uchaguzi utakuwa very interesting coz mgawanyiko wa kidini hauwezi kukwepeka JK ameshindwa ku govern kwa busara....JK hakikisha unakula za waislam wote,wafanyakazi waislam sidhani kama watakutupa mkono "Msilam mwenzao"
Kuhusiana na benki hiyo wamesema hata hivyo kuwa ni specifically for muslim people,hiyo kusema wengine wanakaribishwa kwetu sisi inaweza kutupa shida,kwa jinsi ya ubaguzi wa kidini ulivyo....Ni wazo zuri lakini waafrika either ni waislam kuliko waliouleta uislam ama wakristo kuliko waliouleta ukristo,hilo ni tatizo na JK ajiandae....Taifa lijiandae,only the strongest will survive.

Actually nilikuwa namsikiliza social theorist mmoja akasema kwamba dini ni kikwazo kwa maendeleo ya binadamu, and i was skeptical at that time, kwa sasa naanza kuona hoja yake ilipo. The Chinese realized this earlier and acted upon it before it went out of hand, na mambo yao yanazidi kuwa super tu, maana wameshaepa potential kiunzi ambacho kingeweza kuwa catastrophic..ukisharuhusu upuuzi wa dini kutoka personal to national scale, ni sawa na dampo..yale madudu yataanza kuoza na kutengeneza methane gas, na hatimaye explosion becomes a reality.

Ukweli ni kwamba waTz wengi ni waongo, waoga na wanafiki..yes..we have munafeeqs everywhere..Watu wanajifanya wako sensitive na pioneers kichizi wa hizi 'dini' wakti ukienda kitaa simulizi za maisha is quiet the opposite..Watu wanaiba makazini, wafanyabiashara wanawaibia wateja, wanafunzi na walimu wanaiba mitihani, watu wanazini na kufanya uasharati na machukizo mengine ya kila aina, wasilamu wanalewa na kula kitimoto, wakristu wanaviamada kila kona, na mengineyo meeeeeeengi..Lakini the same people wanakuja humu na kuweka very high standards na requirements kuhusu NBC na Islamic banking. Kabla ya hizi huduma, wasilamu walikuwa wakieka pesa zao wapi? God knows. Walikuwa wakila riba au la? Jibu wanalo.

On the other hand,non-muslims waliposikia tu neno Islamic bank, in NBC, basi imekuwa nongwa, kana kwamba NBC itachukua pesa za kodi ya serikali au pesa kwenye akaunti zao na kuwapa wasilamu ktk mfumo wa mamilioni ya JK..pengine..they are too emotional bila kuaddress kosa la Islamic banking.

jmushi1 said:

Ukweli ni kwamba sheria za kiislam ziko on the rise na zinakuwa more favorable sasa all over the world na kutarajiwa kutake over common law,tatizo sisi waafrika kwakuwa ni wafuata mkumbo bado hatujui,na kwahiyo sidhani kama wakristo watamchagua JK this time around,wasilam asilimia 40,wakristo sijui ngapi,hata hivyo huu uchaguzi utakuwa very interesting coz mgawanyiko wa kidini hauwezi kukwepeka JK ameshindwa ku govern kwa busara....JK hakikisha unakula za waislam wote,wafanyakazi waislam sidhani kama watakutupa mkono "Msilam mwenzao"
Kuhusiana na benki hiyo wamesema hata hivyo kuwa ni specifically for muslim people,hiyo kusema wengine wanakaribishwa kwetu sisi inaweza kutupa shida,kwa jinsi ya ubaguzi wa kidini ulivyo....Ni wazo zuri lakini waafrika either ni waislam kuliko waliouleta uislam ama wakristo kuliko waliouleta ukristo,hilo ni tatizo na JK ajiandae....Taifa lijiandae,only the strongest will survive.

Click to expand...

Mkuu wangu ikiwa tafsiri ya neno Islaam ni Obedient to GOD, haya mengine yote ya tabaka zetu tumeyajenga wenyewe. Tazama hata vow of Obedience ktk Ukristu au Judaism, ni zile zile hazina tofauti kubwa ila Kumcha Mwenyezi Mungu kwa ibada zetu.
Kwa maana hii Nyerere ambaye alikuwa mkristu kwa tafsiuri ya neno hili alikuwa a better Muislaam kuliko Mwinyi na Kikwete kwa uongozi wao (ibada). U go figure!

sharia banking imekuwa very succefu l katika nchi zilizoendelea hususan UK,benki zetu zimefanya vyema sana kuiintroduce hapa.hope CRDB watafollow suit

If we dont stand for nothing we will fall for anything, hawa aim yao ni ku-corrupt the simple minded in our society. Lazima tujielewe we are Tanzanians first.

Na hizi type of investment im not against them hila haziko ready kwenye nchi ambayo bado a majority are so simple minded, a majority can not reason the importance of religion to them. Wengi bado ni wapokeaji tu kama wanavyoipokea CCM. We are gonna be messed for a long period of time if we dont put the effort to make sure enough of us have reasonable minds.

Ni wengi watanichukia hila ukweli ni kwamba Tanzania is still a primitive society na nijikumu letu wana Jf ku upinga huu ujinga wa dini na Ukabila hiwe jukumu letu kuwafanya watu kwanza wajione wabonge pili they can make decisions based on their own reasoning as they understand things or else we gonna be fu@ked for a long period of time.

Mawazo ya wengi ndio uleta mabadiliko na watu inabidi wajitambue kwa a shared identity kama watanzania kwanza kabla ya dini au ushenzi kama kabila. Well what do i Know?

Aim ni kutujengea matabaka ambayo sisi wenyewe tunaanza kuya-promote its easy to divide and rule for them and make a scrumble of our resources please lets be Tanzanians first and forget about our tribes and religions lets be patriots to our land as a agroup. Thats the only way we can defeat outsiders. As right know we're pretty much subjects of manipulations, again what do i know?.