Je unaijua AMANA Bank, Inayokopesha bila Riba?

[Kivia]

Amana bank ni benk inayofuata misingi ya kiislam ambapo hukopesha bila kutoza riba kama uislamu unavyoamrisha. Bank hii inakopesha bila kubagua dini kwani inatoa huduma kama bank zingine. Nimetembelea tawi lao pale karibu na soko la kariakoo wakanipa maelezo mazuri saana na nimevutiwa na huduma zao. wana JF Changamkieni...

 

[bakuza]

Wao faida ya kujiendesha na mitaji wanapata wapi?Au hili ni tangazo la biashara?

 

[mikogo]

amekushauri nenda ktk tawi lao amana watakuelekeza
unaanza suspects
vipi?

 

[Kagalala]

Hii na mimi huwa naisikia ila sijuhi catch hiko wapi. Kama sihamini katika Sharia Law, ntakubalika. Je wanaruhusu business accounts za Wakristu? ningependa kuchukua mkopo kidogo niboreshe biashara yangu

 

[sun wu]

wanatoa mkopo hadi kiasi gani, na je ninahitaji kuweka collateral na nikishindwa kulipa wanapiga mnada collateral yangu au..?

Je inaendeshwa kwa misaada au pesa inatoka wapi ?, na nikiweka pesa zangu ninapata interest au na zenyewe zinakaa tu na ninakatwa service charge

 

[CAMARADERIE]

Wakati korani ilipokataza riba kulikuwa hakuna inflation

 

[sun wu]

amekushauri nenda ktk tawi lao amana watakuelekeza
unaanza suspects
vipi?

sasa maana ya hii forum ni nini kama sio kupeana habari..

Unajuaje kama anaweza kufika kwenye tawi..? Kama yupo Timbuktu.., na kwanini kama anaweza kuelezwa hapa asielezwa hapa ajue kama afunge safari ya kwenda au hapana, Sio atoke kijijini na kufika kwenye tawi kumbe hakuna anachohitaji..

Nadhani hapa ni Habari na Hoja Mchanganyiko (hivyo basi sio vibaya kupeana habari na kujibiwa maswali yetu)

 

[sun wu]

Nimeona hii kwenye website yao AmanaBank Fixed Deposit Account | Amana Bank Ltd

sasa kwenye fixed deposit kuna maelezo haya

[h=1]AmanaBank Fixed Deposit Account[/h]AmanaBank Fixed Deposit Account is a riba free product aimed for those looking to earn high returns with wide choice on investment terms and maturity options.

• Features
• Benefits
• Account Opening Forms

1. Easy to open and invest.
2. Attractive profits paid.
3. Peace of mind in placing funds with a bank that uses it in Halal transactions.
4. Wide choice of investment maturities.
5. Access to e-bank statement.
6. Free cash transfers within the bank.

Sasa hayo maneno riba free, for those who look to earn high returns.., (sasa hapo wakuu nikiweka pesa yangu kwenye fixed deposit nahitaji nipate interest lakini kama ni riba free.., tapataje hizo high returns :mmph::A S-confused1:

 

[Fofader]

Botanesco.

 

[sun wu]

Na baada ya kudadavua zaidi nikakuta hii...

Do you provide the cash loans?

Amana Bank do not provide loan on cash basis, instead, it uses other modes of financing approved by Sharia supervisory board such as cost plus profit sale (Murabaha).


Does interest relate only to consumption loans or it applies to commercial loans also?

The interest is prohibited in Islam regardless the amount or the purpose of the loan. It is prohibited whether it is consumption loan (loan for meeting day to day human needs) or commercial loan (loan for business purpose).

Source: http://amanabank.co.tz/?s=loans

Confused.. ?
Same here...
Mkuu mleta mada au anyejua please dadavua hii kitu.., hiyo mikopo inapatikanaje

 

[sun wu]

Baada ya kukosa majibu kutoka kwa wadau na kujitahidi kudadavua mwenyewe na kusoma site yao nimeona hii

[h=1]What are the products and services offered?[/h]Amana Bank provides variety of banking products and services, they include, fund transfers, foreign exchange transactions, financing different kinds of business and projects, issuing LCs, maintaining different saving accounts as well as current accounts. All these services are provided in accordance to the Islamic principles. Visit our branches for more information on our products and services.

Hapo kwenye financing business and projects nadhani (I repeat nadhani) labda ukipeleka biashara yako au project wanaangalia kama inalipa na wakiikubali na kuona itazaa wanakupa finance za kuanzisha au kuendeshea project. (if that is the case its not bad.., nadhani wanakupa consultation)

 

[Kituko]

hakuna kitu kama hiyo
Ribahipo kwa mlango wa nyuma

 

[Malila]

hakuna kitu kama hiyo
Ribahipo kwa mlango wa nyuma

Na siku utakapojua jinsi unavyotakiwa kulipa riba yao utakuwa umechelewa sana. Maumivu yake hayatachukulika, walianza Ulaya mashariki na wamefanikiwa,sasa wamegeukia Africa,hapa kwetu ni tawi tu sio makao makuu. Hakuna lunch ya bure chini ya jua.

 

[MNYISANZU]

Kwa nini wasiwasaidie waislam wenzao kwani ndio most illiteracy?

 

[babu M]

Mimi ninaweza kuwa na nyumba ya kupanga nikasema sitozi ''rent'' lakini nikakulamba ''service charges'' kwa kiasi sawa na rent.

Hiyo riba imepewa jina lingine

 

[ndetichia]

Baada ya kukosa majibu kutoka kwa wadau na kujitahidi kudadavua mwenyewe na kusoma site yao nimeona hii



Hapo kwenye financing business and projects nadhani (I repeat nadhani) labda ukipeleka biashara yako au project wanaangalia kama inalipa na wakiikubali na kuona itazaa wanakupa finance za kuanzisha au kuendeshea project. (if that is the case its not bad.., nadhani wanakupa consultation)

kwa hiyo ile profit itakuwa yako na sio ya benki na je itajiendesha vipi au kwa misaada ya watu maana inakuwa ngumu kidogo kuelewa?

 

[ndetichia]

Na siku utakapojua jinsi unavyotakiwa kulipa riba yao utakuwa umechelewa sana. Maumivu yake hayatachukulika, walianza Ulaya mashariki na wamefanikiwa,sasa wamegeukia Africa,hapa kwetu ni tawi tu sio makao makuu. Hakuna lunch ya bure chini ya jua.

hapa mzee kwa hilo still loading..

 

[Elli]

Ya ngoswe tumuachie ngoswe mwenyewe

 

[sun wu]

kwa hiyo ile profit itakuwa yako na sio ya benki na je itajiendesha vipi au kwa misaada ya watu maana inakuwa ngumu kidogo kuelewa?

Mkuu ndio hapo nashindwa kuelewa.., ila hata kama ile profit itakuwa yako nadhani hapa kuna mtego sababu ukienda kukopa (na hapa siiti kukopa bali ni kuomba msaada) nadhani wanaweza wakasema hii biashara / project yako haifai (hivyo basi the are not obliged kukupa msaada ).., ila lazima wafanyakazi wale (hii sio charity) hivyo nahisi (again am assuming logically sababu hakuna aliyetupa jibu) hii benki itakuwa inapata misaada kutoka kwa watu, pia wanaoweka pesa hawadai interest, na huenda kuna service charge..

Hivyo basi income ya benki ni Misaada, Foreign exchange, fund transfer, probably na service charge
Expenditure huenda ikawa huo msaada / loan ambao sio lazima wakupe huenda basi wakienda kama 1,000 kwa mwaka asipewe hata mmoja kama project au biashara hazijakidhi matakwa yao... (just like how some NGO's zinavyofanya projects chache ku-justify kuomba misaada)

Ila hapa chini ndio pasua kichwa sijaelewa kabisa toka kwenye mtandao wao

AmanaBank Fixed Deposit Account

AmanaBank Fixed Deposit Account is a riba free product aimed for those looking to earn high returns with wide choice on investment terms and maturity options.

Sasa kama ni riba free hizo high returns zinatoka wapi ?
:suspicious:

Again don't qoute me huenda am seriously wrong am just guessing and assuming logically based on few information gathered on their website

 

[georgeallen]

Pamoja na kusoma contributions za wachangiaji hapo juu bado naona niko mweupe tu. Au ni aina nyingine ya DECI hii?.