Halafu pia tuwe wabunifu kidogo na si kufuata tu mkumbo k.m. matatizo yanayoweza kujitokeza kuhusu hizi Benki. Hebu tuone kinachotokea Canada kwani tayari kuna watu wanaanza kuzishtukia hizi benki za sharia.Islamic banks must educate their personnel to understand the tenets of Islamic law that pertain to banking, and to train them to comply with Sharia as they serve their Islamic customer population.
Toronto - November 20, 2009 by Robert Santiago.
Ni bahati mbaya huu mjadala umekuja wakati tayari hizi benki zinazinduliwa, laiti wananchi tungeshirikishwa mapema, kaazi kweli kweli.In May, 2007, The Globe reported that Several Canadian financial institutions are preparing sharia-compliant mortgages, insurance, taxi licensing and investment funds to help serve the countrys fastest-growing part of the population. Recently, the Toronto Stars business section reported that an unnamed bank may offer sharia loans as early as this summer; Le Journal de Montreal disclosed that Canada Mortgage and Housing Corporation(CMHC) was also getting in on the act.
Stephanie Rubec, spokesperson for the CMHC, said the Crown corporation had launched a tender worth $100,000 to study Islamic mortgages for Muslim Canadians. Could she be oblivious to the fact that almost all Muslim Canadians currently have home mortgages through banks and dont feel they are living in sin? In fact, CMHC has gone a step further: It has quietly entered into a partnership with a Saudi company, AaYaan Holdings, to develop sharia-compliant mortgage-lending systems.
The origin of Islamic banking has its roots inthe 1920s, but did not start until the late 1970s and owes much of its foundation to the Islamist doctrine of two people Abul Ala Maudoodi of the Jamaat-e-Islami in Pakistan and Hassan al-Banna of the Muslim Brotherhood in Egypt. The theory was put into practice by Pakistani dictator General Zia-ul-Haq who established sharia banking law in Pakistan.
Proponents of sharia banking rest their case on many verses of the Holy Koran that outlaw usury, not interest.
Verses that address the question of loans and debts include:
Al Baqarah (2:275): God hath permitted trade and forbidden usury;
Al Baqarah (2:276): Allah does not bless usury, and He causes charitable deeds to prosper, and Allah does not love any ungrateful sinner.
Every English-language translation of the Koran has translated the Arabic word riba as usury, not interest. Yet, Islamists have deliberately portrayed bank interest as usury and labelled the current banking system as un-Islamic. Instead, these Islamists have created exotic products with names that are foreign to much of the worlds Muslim population. This is where they mask interest under the niqab of Mudraba, Musharaka, Murabaha, and Ijara. Two authors, both senior Muslim bankers, have written scathing critiques of sharia banking, one labelling the practice as nothing more than deception, with the other suggesting the entire exercise was a convenient pretext for advancing broad Islamic objectives and for lining the pockets of religious officials. Why Canadian banks would contribute to this masquerade is a question for ordinary Canadians to ask.
There is this claim that there is a difference between `usury`and `interest.` Basic research will reveal that there is absolutely no difference between the two, except that one is a religious term while the other is the modern, secular equivalent, a sort of euphemistic one invented to legitimize usury.
Jamani hold on a minute. Tusijaribu kuilinganisha Tanzania na nchi kama Marekani (0.8% ni Waislamu), Uingereza (2.7%) au hata Kenya (7%). Hali ya Tanzania (30.2%) kidogo inataka kufanana na Nigeria (50%) katika kile kinachojulikana kama polarization. Katika nchi zenye idadi ndogo ya waumini wa Kiislamu hamna tatizo lakini kwa Tanzania ambapo mihadhara ya kukashifiana dini ipo kila leo, waumini wa dini moja wanaweza kudai mfumo wao wa kutafsiri sheria nje mahakama au hata kuingilia uhuru wa wengine wenye imani tofauti, ni hatari kutoa mwanya wa kubaguana nje ya platform ya dini. Lilipofikia taifa letu yatulazimu tuwe makini sana tunapojaribu kuhusisha uendeshwaji wa taasisi zetu za umma na imani za kidini. Imani ni kitu hatari sana na historia yatudhihirishia jinsi imani inaweza kuwa kichocheo cha machafuko isipowekewa mipaka kuhusiana na vyombo vya utawala na uendeshwaji. Kwenye mada hii kuna huu ukweli ufuatao ambao hauwezi kukanushwa.
Halafu pia tuwe wabunifu kidogo na si kufuata tu mkumbo k.m. matatizo yanayoweza kujitokeza kuhusu hizi Benki. Hebu tuone kinachotokea Canada kwani tayari kuna watu wanaanza kuzishtukia hizi benki za sharia.
Ni bahati mbaya huu mjadala umekuja wakati tayari hizi benki zinazinduliwa, laiti wananchi tungeshirikishwa mapema, kaazi kweli kweli.
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
What is the fuzz all about ? Let's those who abhor interest go ahead and bank with these banks. It is important to understand that we are living in a democratic society where people are free to make whichever kind of decision they see fit.
hata wakipewa nchi nzima, bado tu watakuwa hawajaamka kuwapeleka watoto wao shule ili waje wafanye kazi kwenye hizo bank, hivyo zitadorora tu. bado wataendelea kucheza bao na kula ubwabwa tuuuu bila kufanya kazi kwa bidii na kupeleka watoto wao shule. Kikwete ndiye chanzo cha hilo, na hawa jamaa kama hajui wanamwunguzia kwenye uchaguzi ujao kwasababu watu wengu hawaelewi namna mambo ya kidini ya kiislam yalivyoingia kwa wingi pale tu yeye alipochukua madaraka.
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.
Haya! Naona itafika wakati tutakataa kuhudumiwa na teller aliyevaa hijab! Si na yeye anafuata sharia katika uvaaji wake?
Amandla.......
ndugu yangu nani alokupa guarantee kwamba kila biashara utayofungua lazima upate faida? au hujaona watu wakubwa na makampuni makubwa yenye mitaji ya maana lakini biashara inakataa na wanafilisika.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.....
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:
Zaidi ya hivyo hakuna kosa iwapo una shida au ushakubali huo mfumo? Sasa ubaya wa huu mfumo kuwepo hapa Tanzania unaletwa na nini? Ni jina la Uislamu? Na iwapo mfumo huo utaondoshwa jina la uislamu utakubaliana nao?ndugu yangu nani alokupa guarantee kwamba kila biashara utayofungua lazima upate faida? au hujaona watu wakubwa na makampuni makubwa yenye mitaji ya maana lakini biashara inakataa na wanafilisika.
iwapo makubaliano yenu ni kwamba wewe umetoa mtaji na yeye akafanya biashara kw amtaji ule na akapata faida basi mnaweza kugawana faida ile kadri mlivyokubaliana BUT hii inakwenda sawa sawa na HASARA ambayo itapatikana basi pia igawanywe katika ratio ile ile. tatizo hapa kwenye benki zetu wao hawaangalii kama umepat ahasara au vipi. wao wanajua kuna faida tu na ndo maana wanataka RIBA yao. ingekuwa wanakubali hasara pia basi hapo isingekuwa riba.
lakini mzee hivi unaweza kwenda kukopa kweli kama hauna shida? . . . .
Hamkuambiwa kwamba mtakuwa na masikio lakini hamtasikia. macho lakini hamtaona????Mimi ni mkristo na nafanya kazi benki. Hakuna ubaya wa islamic banking na anayefikiria na kuhoji nahisi ndo ana udini. ni sawa na wewe ukiwa na biashara mfano ya hoteli, ukiamua kuandaa futari hatuwezi kusema ni udini, bali ni kukidhi mahitaji ya wateja wako.
Watanzania mawazo ya kutenganisha watu au kuwaonea wengine. Hata Efatha ikitoa huduma za shariah benking sioni tatizo. in marketing that is segmentation of the market so that you serve the same exceptionally well.
Remigius
dawa ni moja tu KUWA bank zote zilizofungua na zitakazofungua mfumo wa SHARIA BANKING. kujitoa na kufunga akaunti zao ili wabaki na soko wanalolilenga maana huu ni upuuzi wa kipumbavu kabisa.
Nyerere alishasema kuwa tusipokuwa waangalifu tusije tukajikuta tunazidi kuelimika ilhali tunakuwa wapumbavu zaidi ya kuerevuka.
KUJUA kwingi mbele KIZA. mie nimeshafanya uamuzi na nimeondoa akaunti yangu NBC najua hawatatishika kwani wanapata mikopo minono kutoka bank za kiislam baada ya kukubali kuridhia sheria za kiislam kuwepo ktk scope ya operations zao.
wanajaribu kuwavutia wale wasiotaka pesa zao kuingia kwenye mzunguko wao ikumbukwe kuwa watu wasiotaka riba toka bank huwa hawana haja ya kupeleka pesa huko, hivyo ili kuwavuta kwa imani yao waweke hata kama hawaitajii riba, nadahni unaelewa watu wa banking wanatak faida kwa kila pesa wanayoikamata,maisha tu ndivyo yalivyo msiumizane vichwa mliowapa dhamana ya kuwaongoza ndio hivyo wanaangalia maslahi yako upande gani kwao.kama wanaogopa fedha zao kuwa invested kwenye masuala mabovu je wanajuaje mzunguko wa fedha unaowajia siyo fedha zilizopatikana na ulevi, kamari, n.k? gadem gadem gadem sharia banking