Islamic Banking ‘invades’ Tanzania

[bnhai]

Hii yote ni katika kuvutia kundi la wateja waliokuwa nje ya wigo wao; its puely a business strategy na sioni kama kuna siasa zozote hapa.

Mods ningeomba hii ipelekwe kwenye ukumbi wa business forums.

Yah naungana na wewe. Hii kiu tuiweke kwenye business then tuanze kujadli facts.
Banks huwa inadesign product zao kutokana na aina ya customers waliopo km ilivyo biashara nyingine. Akili ya kung'an'ania Islamic banking ni ubaguzi hii ni akili ya kijima na imepitwa na wakati. Bank zinahitaji kuongeza share za market yao na ndio maana KCB walikuwa wajanja na wakaanzisha hiyo huduma miaka takribani miwili iliyopita. Na wengine wameona kuna faida na wao wakawa attracted.
Tukiungumzia upande wa katiba. Katiba ipo wazi kabisa juu ya hili. Katiba inaruhusu mtu kuabudu dini yoyote pasi na kuingiliwa ktk imani ikiwa havunji kanuni na taratibu za nchi zilizoweka. Ndio maana ukiachana na Taasisi za fedha, utakuta sekta nyingi za huduma km elimu na afya zipo zinaotolewa na Taasisi za dini na nyingine kufuata misingi ya dini husika.
Kwa hiyo uwepo wa Islamic banking Tanzania unafaida kwa taasisi zenyewe yaani benki na pia kwa taifa maana wale ambao wasingewezeka kuwekeza nchini kwa hofu ya riba sasa wanaweza kuja kuwekeza. Pia ni katika harakati zilezile za kukamilisha utaratibu wa kikatiba wa haki ya kuabudu.

 

[Kinyambiss]

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.

Asinine and moronic thinking... typical of the hate-filled, brainwashed slave-to-theological-propaganda stereotype which you seem to belong to. Sad.

 

[Mzee Mwanakijiji]

Endapo atatokea mtu wa dini nyingine ambaye amevutiwa na akaunti hizo na akataka kufungua akaunti na akakatiliwa solely kwa sababu siyo Muislamu hapo ndiyo pana tatizo. Lakini for now mimi nimefurahia kuanzishwa kwa hili kwani wananchi wanapata options za huduma mbalimbali na zile huduma za nchi za kimagharibi siyo pekee ni bora. Mimi nawashauri watu wengi tu wajifungulia hizi akaunti na kama zina faida basi wataachana na hizi za kimagharibi.

 

[Mwanamayu]

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

Licensing conditions za BoT haziko wazi lakini kipengele namba 16 kitakuwa kimevunjwa "Discussion of Economic Benefits to be Derived by the Country and the Community From the Proposed Bank/Financial Institution". Hiki kinaongelea 'economic benefits' na sio 'religious/ faith benefits'.

Pia sheria mama imevunjwa angalia sura ya kwanza, sehemu ya tatu, namba 13 (1), (2), (4) na (5).

 

[Mwanamayu]

Endapo atatokea mtu wa dini nyingine ambaye amevutiwa na akaunti hizo na akataka kufungua akaunti na akakatiliwa solely kwa sababu siyo Muislamu hapo ndiyo pana tatizo. Lakini for now mimi nimefurahia kuanzishwa kwa hili kwani wananchi wanapata options za huduma mbalimbali na zile huduma za nchi za kimagharibi siyo pekee ni bora. Mimi nawashauri watu wengi tu wajifungulia hizi akaunti na kama zina faida basi wataachana na hizi za kimagharibi.[/OTE]

Kwa kufuata Banking and Financial Institutions Act, 2006 wote tukifungua akaunti hizi benki zinakufa au zitageuka kuwa charity institutions na sio benki tena. Haya ndio matunda ya OIC tuliyokuwa tukiambiwa? Kama huko ndani ya Tanzania kafungue kwanza wewe. Shida kubwa hapa ni kwamba huduma hii ya kibenki inafungamana na imani ya dini moja na sio dini nyingine. Kama kuna western banking na sio Christian banking kwa nini tusiwe na Arab Banking na sio Islamic Banking?

 

[Mzee Mwanakijiji]

mwanamayu.. hizo Christian Banking ndiyo christian banking zenyewe kwani zimefuata msingi mkubwa wa theolojia ya kikristu na falsafa za watu wa Magharibi. Haziitaji kuiitwa "Christian" ili ziwe Christian.. Labda tatizo ni kwa vile zinaitwa "Islamic" ndiyo tatizo? lakini zingeitwa "Arab" au "MidEastern Banking" labda watu wasingeshtuka sana.

 

[Madevu]

msanii,
wewe ndio unayeleta udini hapa, hebu tazama hayo mabank yote yalioanznisha Islamic banking original yake....sio waislam, ila niwafanyabiashara wameona busines opportunity hao wanataka kutumia, na sio lazima, ni option kama vile unavyochagua aina ya account unayotaka kufungua na bank....ACHA KUCHANGANYA WATU WEWE,

 

[Abdulhalim]

No need to be extra sensitive and overanalyse issue ambayo haina effect yeyote. Lets tackle real problem people.

 

[Mkandara]

Wakuu zangu,hakuna kitu kinaitwa Christian system of banking..Hata wakristu hawahalalishi Riba, hakuna sehemu ndani ya Biblia kuna halalisha riba (interest), imani kama hii ni kutofahamu dini na mafundisho yake. Pili, mfumo wa biashara wa kibepari hauna mahusiano yoyote ya Ukristu isipokuwa sisi wenyewe ndio tunaweka mahusiano ya Wazungu na Ukristu au Waarabu na Uislaam hata kama ni culture yao wenyewe nje ya dini.

Hizi Banks zinafuata sheria ya dini sawa na mtu akifungua Hotel asiuze Beer. Wewe mteja ndiye mwenye maamuzi ya kwenda kula hapo au usiende lakini kutouza Beer haina maana ni sheria ya kiislaam kwa sababu tu mwenye hotel ni Muislaam. Zipo Hotel za wakristu haziuzi Beer na zipo hotel nyingi za Waislaam zinauza beer. Hivyo hivyo zipo Banks Vatican hazitozi riba na zipo banks nchi za Arabuni zinatoza riba...

 

[Mzee Mwanakijiji]

Mkandara.. utaona kuwa kwangu mimi sijatumia neno "riba" kuelezea system ya christian banking; ninachozungumzia ni kuwa mfumo wa kibenki na kiuchumi ulioko katika nchi za kimagharibi ni mazao ya falsafa na theolojia ya Kikristu iliyotawala kwa muda mrefu. Waanzilishi wa mabenki mengi hayo ya magharibi walikuwa ni wayahudi au wakristu ambao wakifuata falsafa za watu wa dini zao waliweza kuanzisha taratibu mbalimbali za kibenki.

Ni kweli kabisa riba imekatazwa katika mafundisho ya Kikatoliki hata mafundisho ya baadaye, ndio maana kwa maoni yangu sina tatizo kabisa na islamic banking inayokataza riba kwani haipingani na imani ya kikristu na sioni sababu kwanini watu wengine inawapa shida.

 

[Kinyambiss]

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?

 

[Hukumuzuku]

Well and fine that Non-Muslims clients are also welcome to patronize these so-called "Islamic" Banking services. However, what appears to be obvious, is that Islamic Banking departments will be staffed predominantly (if not exclusively) by individuals i.e., Muslims who have a proper understanding of Shariah in order validate "Halal Banking". Therein lies the potential for establishment of unlawful and unconstitutional employment practices based purely on religious background.

It also goes without saying that overall transparency in the "Halal Banking" system is relatively poor, and if Muslims are left to their own devices and given religious-sanctioned authority over economic and financial affairs of "Kaffirs", chances are Non-Muslim clients may be exposed to religious discrimination as far as quality of services are concerned.

 

[Mkandara]

Mkandara.. utaona kuwa kwangu mimi sijatumia neno "riba" kuelezea system ya christian banking; ninachozungumzia ni kuwa mfumo wa kibenki na kiuchumi ulioko katika nchi za kimagharibi ni mazao ya falsafa na theolojia ya Kikristu iliyotawala kwa muda mrefu. Waanzilishi wa mabenki mengi hayo ya magharibi walikuwa ni wayahudi au wakristu ambao wakifuata falsafa za watu wa dini zao waliweza kuanzisha taratibu mbalimbali za kibenki.

Ni kweli kabisa riba imekatazwa katika mafundisho ya Kikatoliki hata mafundisho ya baadaye, ndio maana kwa maoni yangu sina tatizo kabisa na islamic banking inayokataza riba kwani haipingani na imani ya kikristu na sioni sababu kwanini watu wengine inawapa shida.

Mkuu wangu waanzilishi wa mfumo huu wa banking ni WATU - wafanyabiashara who happens to be Wayahudi - Yahudi being sect of people following Judaism.
Na hakuna uhusiano wowote baina ya Wayahudi na Ukristu isipokuwa watu kwa uzawa. Ndio yale yale tunayosema waliompinga Yesu walikuwa Wayahudi (watu) na waliompinga Muhammad walikuwa Waarabu (watu) hii haina maana zaidi ya mtu mmoja mmoja kwa imani yake. As a fact riba (interest) ni haramu hata ktk imani ya Judaism.
Myahudi kama Jewish hana uhusiano wa kiimani na Mkristu wala hana ukubwa kukushinda wewe na mimi...Hizi ndio imani zinazopotosha watu kufikia kuamini kwamba Mungu aliwapenda sana Wayahudi kuliko mataifa yote! I don't buy that crap hata kama imeandikwa ktk Kuran au Biblia.

 

[Mzee Mwanakijiji]

Mkuu wangu waanzilishi wa mfumo huu wa banking ni WATU - wafanyabiashara who happens to be Wayahudi - Yahudi being sect of people following Judaism.
Na hakuna uhusiano wowote baina ya Wayahudi na Ukristu isipokuwa watu kwa uzawa. Ndio yale yale tunayosema waliompinga Yesu walikuwa Wayahudi (watu) na waliompinga Muhammad walikuwa Waarabu (watu) hii haina maana zaidi ya mtu mmoja mmoja kwa imani yake. As a fact riba (interest) ni haramu hata ktk imani ya Judaism.
Myahudi kama Jewish hana uhusiano wa kiimani na Mkristu wala hana ukubwa kukushinda wewe na mimi...Hizi ndio imani zinazopotosha watu kufikia kuamini kwamba Mungu aliwapenda sana Wayahudi kuliko mataifa yote! I don't buy that crap hata kama imeandikwa ktk Kuran au Biblia.

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.

 

[Mzee Mwanakijiji]

Well and fine that Non-Muslims clients are also welcome to patronize these so-called "Islamic" Banking services. However, what appears to be obvious, is that Islamic Banking departments will be staffed predominantly (if not exclusively) by individuals i.e., Muslims who have a proper understanding of Shariah in order validate "Halal Banking". Therein lies the potential for establishment of unlawful and unconstitutional employment practices based purely on religious background.

Hapa umesema jambo zito; na ninaamini hili litatakiwa kuwa resolved kwa sababu huwezi kuajiri mtu katika ajira ya umma kwa minajili ya dini yake au kukataa kuajiri mtu kwa kuangalia dini yake. Litakuwa ni jukumu la benki kutoa mafunzo kwa watumishi wake watakaosimamia akaunti hizi bila kujali imani zao alimradi wanaweza kutumia kanuni hizo za kibenki kwa usawa.

It also goes without saying that overall transparency in the "Halal Banking" system is relatively poor, and if Muslims are left to their own devices and given religious-sanctioned authority over economic and financial affairs of "Kaffirs", chances are Non-Muslim clients may be exposed to religious discrimination as far as quality of services are concerned.

Hili nalo ni zuri kulifikiria. Tatizo linaweza kuja endapo watu wengi wasio waislamu wataanza kufrequent huduma hizi reaction itakuwaje? Lakini pia si kubwa sana endapo taratibu zitawekwa wazi na kufuatwa na ubaguzi wa aina yoyote kutokuvumiliwa.

 

[Kinyambiss]

Well and fine that Non-Muslims clients are also welcome to patronize these so-called "Islamic" Banking services. However, what appears to be obvious, is that Islamic Banking departments will be staffed predominantly (if not exclusively) by individuals i.e., Muslims who have a proper understanding of Shariah in order validate "Halal Banking". Therein lies the potential for establishment of unlawful and unconstitutional employment practices based purely on religious background.

It also goes without saying that overall transparency in the "Halal Banking" system is relatively poor, and if Muslims are left to their own devices and given religious-sanctioned authority over economic and financial affairs of "Kaffirs", chances are Non-Muslim clients may be exposed to religious discrimination as far as quality of services are concerned.

Purely speculative.. How complicated are these "sharia" practices do you think? No bank would risk losing business by adopting discriminatory practices, no to mention the legal and political ramifications. This issue remains a non-issue in my opinion and under no circumstances does it even belong in the political arena. In fact, it can be said that aside from aiming to provoke the ill-guided sentiments of what turns to be a surprising majority of people, this topic does not deserve anyone's attention here, the economic forum would be appropriate, if anything.

 

[Regia Mtema]

Kama kuna huduma mbalimbali za kidini kama vile shule,hospitali basi sio mbaya hata wakiwa na huduma za kibenki.

 

[Ubungoubungo]

Kama kuna huduma mbalimbali za kidini kama vile shule,hospitali basi sio mbaya hata wakiwa na huduma za kibenki.

huduma hizo za kidini unazozitaja, haziendeshi kwa pesa ya umma, unasikia, lwakatale ameomba pesa kwa waislam ili ajenge shule? efatha ameomba pesa zinazojumuisha pamoja na waislam ili aanzishe bank, na RC chini ya Pengo bank yao waliomba pesa za uma?, radio zote za kikristo zilianzishwa kwa pesa za uma?, hii ni kugawa nchi, kama selikali ina hisa kwa kitu chochote inamaana kuwa watz wa dini zote wanakimiliki kile kitu, na hivyo hakitakiwa kubagua dini...hii naongelea NBC, kwahabari ya iyo bank ingine ya binafsi ambayo selikali haina hisa, it is their business wala haituhusu, kinachotuhusu ni bank ambayo wakristo pia wanamiliki hisa, hatutaki kuiendesha kwa kutumia misingi ya kiislam kwasababu sisi si waislam na hatutaki kitu chetu chochote kitumiwa kwa kiislam...nii kosa na dhambi kwetu kufanya hivyo...kwasababu hatuiamini kuran wala uislam wote...sitaki kwenda mbali hapa.

ondoeni kitu chochote ambacho ni cha umma kwenye udini, ila kama kitu cha private, mfano private bankers hao, ni uhuru wao kufanya chochote kama vile ilivyofanya bank ya kenya (KCB)....lakini pamoja na yoote hayo, waislam wakijibagua tz wakasababisha mgawanyiko katika taifa, watakaoumia ni wao wenyewe, kwasababu wanabebwa sana na wakristo, ni vyema tukae bile mgawanyiko ili mfaidi. unaonaje watu wakianza kuwachagua kuingia shule za kikristo kutumia dini, vyuo vikuu vya kikristo kwa kutumia dini, mahospitali kwa dini, where do you think we are heading with this?, si vizuri hakika.

 

[Hukumuzuku]

Purely speculative.. How complicated are these "sharia" practices do you think? No bank would risk losing business by adopting discriminatory practices, no to mention the legal and political ramifications. This issue remains a non-issue in my opinion and under no circumstances does it even belong in the political arena. In fact, it can be said that aside from aiming to provoke the ill-guided sentiments of what turns to be a surprising majority of people, this topic does not deserve anyone's attention here, the economic forum would be appropriate, if anything.

We are told that it takes nothing short of a "Sharia Council" (at least for StanChart) to oversee that everything is done according to whatever rules and laws as laid forth in the Quran. Now go figure exactly how complicated that could be. Its easy to see almost only Muslims can be qualified in this line of work/business.

 

[Msanii]

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......