Islamic Banking ‘invades’ Tanzania

Mwanamayu said:

Hiyo red unamaanisha Vatican? Sisi tunaangalia katiba yetu ya nchi na leseni za bishara zinavyosema - hii kitu ni kuvunja katiba ya Jamhuri ya Muungano wa Tanzania na kutokufuata sheria za biashara na kibenki za nchi yetu. Huu ni ubaguzi, upendeleo na ubaguzi dhahiri ambao Shekh Simba anadhiirisha hapo juu - kuwa waislamu mameumia sana na 'high interest rate' sasa hizi interest rate nani azilipe? Muumini wa dini ya kimila na mkristo?

Je Tanzania inachanganya civil na islamic law katika kuendesha nchi?

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Hebu nieleweshe wapi katika Katiba imemtaja Mwanamke kuwa sehemu tofauti na Mtanzania mwengine? Au wapi Mkiristo au Muislamu ametajwa kwa jina kama sehemu ya Katiba? Mwanamke, Muislamu, Mkristo ni sehemu ya jamii na wanahitaji huduma za kijamiina kwa maana hiyo si kosa la Kikatiba kuwa na Hospitali ya Wakristo, kuwa na Chuo cha Waisllamu na si kosa kuwa na Benki ya Wanawake na si kosa kuwa na Benki ya Waislamu na kama itaonekana kuna haja basi na kuwe na Benki ya Wakristo (kama wanataka kufuata misingi halisi ya dini yao) na hata kina Kingunge nao nawafungue Benki yao.

Tanzania na ulimwengu wote kwa jumla tunaishi kwa kuwa na imani na matamanio tofauti na haya ndio yanayosababisha tuwe na mabaa, tuwe na makanisa na misikiti ndani mwetu.

Tuko kwenye demokrasi, kama wewe hutaki hii benki, hujalazimishwa na mtu kuweka ama kukopa kwenye hii benki. Its all about choices!!!

Waislam waliyo wengi huendesha mfumo wa maisha ya kwa kuzinagtia mwongozo wa dini yao ikiwa katika biashara,chakula ,mavazi ndoa Nk
Kwa mfano katika kula nyama huagizwa mnyama wachinje ,kuna viwanda vya kusindika nyama katika nchi mbali mbali zizizo za kiisilaam wakitaka kupata soko la nyama huko inabidi wachinje Nyama kwa mujibu wa sheria za kiisilaam ili waweze kupata wateja wa kiisilaam utakuta wameandika "Halal meat" yote hayo ni ku win market.Hivi tunajua asilimia kubwa ya machinjio ya nyama nchini wachinjaji ni waislam?Kwa nini imekuwa hivyo?
Hali kadhalika kwa mabenki wanalenga soko kutaka kuwavutia waumini wa kiislaam kufungia akaunti kwenye mabenki yao.Tanzania kuna wafanybiashara wakubwa waumini wa dini ya kisilaam kwa mfano akina Bakhresa,Zakaria,oil com,camel oil,lake oil,makampuni makubwa ya ma bus Abood,Hood,scandanavia,sumry nk nk,huenda ni nia ya kuwavutia hao kufungua akaunti kwenye mabenki yao.

Mwanamayu said:

Sharia ni international law? Au ni ya dini ya kiislamu? Mwizi akiiba anakatwa mkono huko arabuni je hii pia ni sharia? Sasa nani ni Juha hapa? Kila asubuhi tunaona jua linatoka na kuzama jioni, ukimuuliza mtu ambaye hana uwelewa hasa katika Jiografia ni kipi kati ya jua na dunia kinazunguka, atakujibu jua lakini katika hali halisi ni dunia: unapomwita mwezio juha unaweza kukuta yeye sio juha bali ni wewe mwenyewe ndiye juha. Kwanza tusome katiba, tusome kanuni za benki Tanzania, tusome hizo bidhaa zinavyotolewa ndipo tujue juha ni nani.

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Si wakati wa kuchanganya mambo au tuatakuwa kweli majuha! Sheria ni sheria na katiba ni katiba. Katiba ya Tanzania haipingani na mambo mazuri yaliomo ndani ya sheria ya Waislamu na ndio maana Waislamu wanaruhusiwa kufanya mambo yao kwa mujibu wa kutovunja yaliomo ndani ya Katiba!

La pili ndugu yangu ili ujitowe na shutuma ya ujuha basi unahitajika kutueleza hii Banking System imevunja Katba kipengele gani.

Msanii said:

Aha kumbe inagusa sana tukiingia kidini zaidi,
Ni kwamba masuala ya sharia ni ibada kamili shekhe wangu. nimemuunga mkono Mwanamayu.
Elewa kwamba mnapoingiza taratibu za kiuongozi wa nchi na masuala ya DINI hapo ni kuchukua nafasi ya MAKABURU wa kidini.
Nenda MKOMBOZI bank ukafungue akaunti uone kama watakataa kukupokea hata ukiwa mpagani.
Usishabikie dini NDUGU, shabikia elimu na uongozi bora kwa watanzania wa aina zote bila kubaguana kidini au kiitikadi au kikabila

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ama kweli watanzania tumelala na ndo kwanza tunavuta shuka wakati kushakucha.
ndugu yangu msanii nakuonea huruma sana kwa sababu nilichoona mimi kilichokukera ni kuwa hii huduma ndani yake ina maneno kama "islamic", "sharia" nk ambayo wewe kwako ndo yanayokuuma bila ya kuangalia faida na umuhimu wa huduma hizo.

RIBA NI DHULUMA. huwezi kumkopesha mtu 100 kisha aje kukulipa 120. sasa hapo umemsadia au wewe ndo ndo umejisadia kwa kuchukua deni pamoja na faida alopata?

hivi mfano ukiulizwa ukopeshwe milioni moja halafu ulipe milioni moja na laki mbili au ukopeshwe milioni kisha ulipe milioni hiyo hiyo bila ya ziada wewe utachagua nini?

mfano mzuri ni jirani zetu kenya walishaliona hili lina faida wakalianzisha huko kwao na matokeo yake wakaileta huduma hii hadi kwetu tz na wengi walijiunga na kaunti yao ya amana regardless of their religion. ukienda kujiunga hawahitaji barua kutoka kwa imamu au mufti mkuu ni picha zako na barua ya kazini au ya serikali za mtaa. thts all.

wasomi dunia nzima walishaona kuwa RIBA ndio sababu kuu kuanzia kuzorotesha maendeleo hadi kupelekea kuporomoka kwa uchumi wa dunia na mfano dhahiri ni kufilisika kwa hiyo nchi ya ulaya kwa sababu ya madeni.

na soon benki ZOTE za tanzania ziwe ni za private au za public zitakuwa na sharia account unless zikubali kubaki nyuma katika ushindani wa kibiashara. na itakapofika huko kila mtu atajiunga nazo awe muislamu au sio muislamu kwa sababu hata kama wewe ni mkristu wa UKWELI sidhani kama unapenda pesa zako ziwe invested katika pombe, au mambo ya upuuzi ambayo hata dini yako imekataza.

na hapa ndo tunahesabu kuanza upya kwa system mpya ya kibenki na tunasema BYE BYE RIBAAAAAA!!!

Ubungoubungo said:

we ni mgumu sana kuelewa, hapa tz kuna vyuo vikuu vya kidini ndiyo, havijaanzishwa na pesa ya umma, tunatoa sadaka ndo maana tunapata pesa kujenga vyuo ambavyo vitawafaidisha watu wa dini zote, hatubagui, tungebagua mbona nyie mngekosa hata pa kwenda, ngoja tuwabebe hivyohivyo..pamoja na kwamba mnakoelekea kuna siku mtajikuta mnategemea udsm,sokoine na vyuo vingine vya umma peke yake ambavyo hata wakristo pia bado wanaongoza kuingia vyuo hivyo kwasababu wao ndo wanaenda sana secondari kuliko nyie msopenda kusoma.

bank ya wanawake, na wanawake wa dini zote, wakristo kwa waislam etc, so ni irrelevant na kinachoongelewa hapa. katiba haikatazi kuanzishwa chuo cha private, wapi imekataza, mbona inasema kuwa kila mtu anayo haki kumiliki mali etc, vyuo vya private ni vyuo vya biashara tu pamoja na kwamba vinatoa huduma, hivyo katiba haijakataza vyuo vya private na sio udini kuanzisha vyuo vya private....nyie hamuwezi kuanzisha vyuo vya private kwasababu hamna nguvu ya kutoa sadaka itakayowafanya mfanye kitu cha maana, na pia ni wavivu kufanya kazi.

hatuwezi kunyamaza kwasababu kuna hisa zinazotuhusu kwenye NBC, kwanini tunyamaze wakati kuna mali zetu? nyie hata mkibebwa kwa mbeleko hambebeki hakika. hampendeki. waislam si moja ya kundi la kijamii kama unavyosema, bali ni moja kati ya kundi la dini/imani....wewe naona haueleweki.....

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Mimi ni mgumu wa kudanganyika na kwa kuanzia uliza wenzio kiasi gani Vyuo vya kidini vinatumia fedha za wananchi. Ili nisiwe mdini kama wewe nakukumbusha Chuo Kikuu cha Morogoro Cha Kiislamu kilipewa jengo na Mkapa si unakumbuka? Ile ni mali ya nani? Halafu suwala la misamaha ya kodi nyinyi Wakristo mlipopiga kelele ilipotaka kuzuiliwa, ile kodo ni mali yenu au ya Taifa? Acha kujidanganya nafs yako na kutaka wengine wakuone kuwa ni muelewa!

RINGO EDMUND said:

nadhani kuna haja ya watanzania kuijua katiba yao.sheria inasemaje? Nbc ni chombo cha uma.efatha ni taasisi binafsi,jamani tunapoelekea sipo,hakuna mahali katiba inaruhusu serikali kuendesha taasisi yoyote ya kidini labda tukae chini tukubaliane kubadili katiba.mambo mengine tunavumiliana kama jadi yetu watz.mf chuo cha kiislam moro,mkapa alivunja katiba ,mahakama y kadhi inashindikana kwa sabbu za kikatiba.kwa maoni yangu nafikiri bakwata ingeanzisha hiyo benki ingekuwa sawa.tuwe makini jamani hata kwa michango yetu.nbc ni mali ya uma naombo ibaki kama chombo cha uma.mwisho tutadai polisi wa sharia.magereza ya sharia.tanesco ya sharia.dwasco ya sharia nk.mungu ibariki tz n watu wake

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Unatakatuwe wanafiki? Mbona kwenye shughuli zetu zote tunatumia dini? Hata tunapowaapisha viongozi wetu tunatumia vitabu vya dini yao? Sasa nini maana ya Serikali iwapo inashindwa kutowa huduma kwa watu wake? Hivyo waislamu si miongoni mwa wananchi wan chi hii? Hivyo Waislamu walazimishwe kufuata mambo yasiyo na maslahi yao ? Na jee katiba inazungumzia nini kuhusu suwala la kuabudu halafu ujiulize hili la kuitowa dini kwenye Katiba inakujaje?

Swala hapa la msingi kabisa ni kwamba, kwa nini maswala ya kidini hasa uislam unapenyezwa penyezwa katika sekta za umma. Kwa sababu hizo mali ni za wote kwa nini wao waamue kwa makusudi kabisa kuweka vitu ambavyo vitaleta maswali au hisia tofauti kwa watu wa upande/imani nyingine?

Inawezekana kabisa sharia banking ni nzuri na labda ina tija....but kwa nini bakwata wasifungue hiyo wao na kuwatangazia watanzania kuwa mtu yeyote anaruhusiwa kutumia hiyo huduma na badala yake wameamua kuipeleka kwenye bank ya umma.......kwa nini?

Nadhani baada ya mahakama ya kadhi na oic kushindwa kutekelezeka ndio wanaanza huku taratibu kwenye sekta za umma kuingiza udini wao ili mwisho wa siku ................................:angry:

ISLAMIC BANKING ni ushetani na uzandiki ktk nchi isiyo na dini.

tujifunze kuheshimu katiba jamani.
Nyerere angekuwa na hulka kama Muungwana ungekuta taifa hili ni la kivatican walah.

Msanii,
Udini unakuumbua mkuu wangu...Hujui hata maana ya nchi isiyokuwa na dini. Kwa maelezo yako inaonyesha wazi wewe unaamini nchi hii ni ya mashetani, maadam hakuna dini, basi haramu zote ndizo zinatakiwa zifanyike.

Malaria Sugu said:

Mbona unashangaa hapa. mbona hata Vertican wameikubali islamic bank. mbon ahata amrekani wametia dole. iwe kichekesho hapa tz?

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Hapo kwenye RED ulimaanisha nikifikiliacho mimi au? Vatican na Marekani? Kama ni kweli mkubwa tupe obvious data na proofs kwamba Vertican imehalalisha hizo banks! Not everything that glitters is Gold!

Genekai,

VATICAN
The Vatican offered Islamic finance principles to Western banks as a solution for worldwide economic crisis.
Daily Vatican newspaper, 'L'Osservatore Romano, reported that Islamic banking system may help to overcome global crisis, Turkish media reported.
The Vatican said banks should look at the ethical rules of Islamic finance to restore confidence amongst their clients at a time of global economic crisis.
"The ethical principles on which Islamic finance is based may bring banks closer to their clients and to the true spirit which should mark every financial service," the Vatican's official newspaper Osservatore Romano said in an article in its latest issue late yesterday.
Source:-
http://www.worldbulletin.net/news_detail.php?id=37814

AMERICA
Islamic Banking is growing at a rate of 10-15% per year and with signs of consistent future growth. Islamic banks have more than 300 institutions spread over 51 countries, including the United States through companies such as the Michigan-based University Bank, as well as an additional 250 mutual funds that comply with Islamic principles. It is estimated that over USd822 billion worldwide sharia-compliant assets are managed according to The Economist] This represents approximately 0.5% of total world estimated assets as of 2005. According to CIMB Group Holdings, Islamic finance is the fastest-growing segment of the global financial system and sales of Islamic bonds may rise by 24 percent to $25 billion in 2010.

Mkandara said:

Genekai,

VATICAN
The Vatican offered Islamic finance principles to Western banks as a solution for worldwide economic crisis.
Daily Vatican newspaper, 'L'Osservatore Romano, reported that Islamic banking system may help to overcome global crisis, Turkish media reported.
The Vatican said banks should look at the ethical rules of Islamic finance to restore confidence amongst their clients at a time of global economic crisis.
"The ethical principles on which Islamic finance is based may bring banks closer to their clients and to the true spirit which should mark every financial service," the Vatican's official newspaper Osservatore Romano said in an article in its latest issue late yesterday.
Source:-
http://www.worldbulletin.net/news_detail.php?id=37814

AMERICA
Islamic Banking is growing at a rate of 10-15% per year and with signs of consistent future growth. Islamic banks have more than 300 institutions spread over 51 countries, including the United States through companies such as the Michigan-based University Bank, as well as an additional 250 mutual funds that comply with Islamic principles. It is estimated that over USd822 billion worldwide sharia-compliant assets are managed according to The Economist] This represents approximately 0.5% of total world estimated assets as of 2005. According to CIMB Group Holdings, Islamic finance is the fastest-growing segment of the global financial system and sales of Islamic bonds may rise by 24 percent to $25 billion in 2010.

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Asante mkubwa nimekubali hasa ile source ya kwanza but ya pili can be anything. Sitaki kuwa Tomaso nimekubali mkubwa!

Genekai,
Mkuu ile ya Pili can be anything kweli kwa sababu Banking ni biashara na Biashara ni tombola hakuna mtu anayeweza kusema huu ndio mfumo wenye mafanikio..Lakini unaweza kusoma alama za wakati na jinsi chumi zinavyo kwenda ukawekeza fedha yako pale Ur mouth is...Ni chaguo lako.

Kwa faida mnaweza kujisomea zaidi kuhusu islamic finance
Sharia Finance
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.

http://www.islamic-bank.com/sharia-finance/

The principal means of Islamic finance are based on trading – 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.

Islamic Bank of Britain is a stand-alone bank. We are not part of a larger conventional group that combines Sharia banking and conventional banking

dullymo said:

ama kweli watanzania tumelala na ndo kwanza tunavuta shuka wakati kushakucha.
ndugu yangu msanii nakuonea huruma sana kwa sababu nilichoona mimi kilichokukera ni kuwa hii huduma ndani yake ina maneno kama "islamic", "sharia" nk ambayo wewe kwako ndo yanayokuuma bila ya kuangalia faida na umuhimu wa huduma hizo.

RIBA NI DHULUMA. huwezi kumkopesha mtu 100 kisha aje kukulipa 120. sasa hapo umemsadia au wewe ndo ndo umejisadia kwa kuchukua deni pamoja na faida alopata?

hivi mfano ukiulizwa ukopeshwe milioni moja halafu ulipe milioni moja na laki mbili au ukopeshwe milioni kisha ulipe milioni hiyo hiyo bila ya ziada wewe utachagua nini?

mfano mzuri ni jirani zetu kenya walishaliona hili lina faida wakalianzisha huko kwao na matokeo yake wakaileta huduma hii hadi kwetu tz na wengi walijiunga na kaunti yao ya amana regardless of their religion. ukienda kujiunga hawahitaji barua kutoka kwa imamu au mufti mkuu ni picha zako na barua ya kazini au ya serikali za mtaa. thts all.

wasomi dunia nzima walishaona kuwa RIBA ndio sababu kuu kuanzia kuzorotesha maendeleo hadi kupelekea kuporomoka kwa uchumi wa dunia na mfano dhahiri ni kufilisika kwa hiyo nchi ya ulaya kwa sababu ya madeni.

na soon benki ZOTE za tanzania ziwe ni za private au za public zitakuwa na sharia account unless zikubali kubaki nyuma katika ushindani wa kibiashara. na itakapofika huko kila mtu atajiunga nazo awe muislamu au sio muislamu kwa sababu hata kama wewe ni mkristu wa UKWELI sidhani kama unapenda pesa zako ziwe invested katika pombe, au mambo ya upuuzi ambayo hata dini yako imekataza.

na hapa ndo tunahesabu kuanza upya kwa system mpya ya kibenki na tunasema BYE BYE RIBAAAAAA!!!

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Na nikimkopesha mtu sh.1000 afanyie biashara akaingiza sh.1000 zaidi baada ya mwaka, basi unataka anirudishie sh. 1000 tu! Kwa nini nisimtoze ushuru kwa kunikosesha mimi uwezo wa kujiingizia sh.1000? Hata mtu akinikopesha pesa sitajisikia vizuri kumrudishia bila shukrani ili siku nyingine nitapohitaji asisite kunikopesha! Ndiyo maana nikiweka hela yangu benki natarajia nipate riba maana benki itaitumia hela yangu kujitengenezea pesa zaidi. Mtazamo wenu ni wa kimedieval, ambapo mtu anamkopesha mwenzake kwa vile ana shida tu na si ili amuwezeshe kufanya biashara. Pamoja na haya as long as hamtadai benki zote ziendeshwe kisharia mimi sina matatizo. Kila mtu ajifanyie ambavyo nafsi yake inamtuma.

Amandla.....

Mkandara said:

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!

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I did figured out.....whatever you just said is absolutely true and quite undeniable....However siasa za sasa hivi ni tofauti,nadhani neno "Siasa mchezo mchafu" lina make sense this time around in our politics more than ever kutokana na uwazi uliopelekewa na sisi ku embrace multipariy system..time has changed,this time "udini" ama hisia zake vinaweza kuplay role kwenye maamuzi ya wapiga kura kuliko wakati mwingine wowote ule....With more democracy comes divisions,it comes with the territory!

Issue ya udini inaweza kukuzwa na baadhi ya wanasiasa especially wa the rulling party ili ku neutralize maswali kuhusu ufisadi,sasa kama huamini,subiri uone,siasa mchezo mchafu ni pale ambapo JK ataignore mikwaruzo ya kidini,ama watendaji wake ku instigate ama kuibua issue zenye kugusa hisia za kidini....CCM inawafahamu fika watanzania,wanafahamu wazi Kuna watu wako radhi kumchagua mwenye dini sawa na yake hata kama ni fisadi,wako very aware on the divide and rule "rule"ukabila pia inaweza kuwa mojawapo ya issue zinazopelekea baadhi ya maamuzi ya wapiga kura,ndio maana mafisadi walipokelewa vyema majimboni mwao,na tunapoelekea uchaguzi mkuu tusishangae issue sensitive zenye kuwagawanya watanzania zikiibuliwa kwa kasi ya ajabu...!ndio siasa hizo....Ama umesahahu RA kukimbilia kanisani na kutoa pesa kwa kwaya,mtikila nk,unadhani alhitaji kufanya hayo misikitini?No huko hawawezi ku doubt whatever the case,ni mwenzao na ufisadi ni namba mbili,na kwasababu wakristo ndio wanaoweza kumwona fisadi kwasababu ule mwavuli wa dini haupo,ndio maana alitake hizo steps,ndo politics once again, i am talking about reality si maneno ya mtanadaoni, elitism mbali kabisa!

Kuhusiana na issue hii ya benki mimi sioni tatizo,ila nilijaribu kurelate na hali halisi on the ground,kwamba wananchi watareact vipi kutokana na issue kama hizi,specifically kuelekea october.

Nilianza kuisikia Islamic banking 2007 hivi. kadiri ninavyoielewa, sidhani ina mwelekeo wa kibaguzi wa kidini.

Ni biashara tu inayotofautiana na traditional banking systems (Western).

Kuna watu humu utasema wana akili untill zitajwe dini zao au za wenzao.........
Very sad........................

Mwanamayu said:

Tutumie busara katika hili, hivyo vyuo vyote vinafuata sheria na taratibu za nchi kasoro seminaries ambako mapadri wanakuwa - trained. Taasisi hizi zinahudumia mtu yoyote na hazizingatii imani ya mtu na havitokani na imani ya mtu. Mkombozi benki haingozwi na Code of Canon Law au Catechism.

I am tired of this thread now.

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Hii kasoro ya nini,na hawa mapadri huwa trained ili wafanye nini kilicho kinyume na sheria.
Hiyo training ndiyo inayowafanya wavunje sheria na kuwa halali,basi hata maafisa benki wakiwa trained kuendesha islamic banking pia si neno.