Kodi Islamic crowdfunding ndi chiyani?

Le kuchuluka kwa anthu achisilamu imapereka mwayi waukulu kwa obwereketsa, osunga ndalama komanso amalonda omwe amathandizira pakukula kwachuma ndi chitukuko chamagulu ang'onoang'ono ndi apakatikati m'maiko achisilamu. Crowdfunding kwenikweni amatanthauza " crowdfunding ". Awa ndi mawu omwe amagwiritsidwa ntchito kwambiri kutanthauza zazachuma, koma amatchedwanso " crowdfunding kapena "crowdfunding" ku Canada.

Atsogoleri a polojekiti amayitanitsa angapo zida zachuma kuphatikiza kutenga nawo mbali kwa anthu kuti athandizire malingaliro awo, mapulogalamu kapena zinthu zawo. Masiku ano, zopezera ndalama izi kapena zosonkhanitsira zimachitika kudzera pamawebusayiti.   

Izi zomaliza ndizothandizira kuyika pambali imodzi yogulitsa ndalama komanso pulojekiti yomwe kukwaniritsa kumakumana ndi zopinga za ndalama. Zochita zimachotsedwa kwathunthu komanso zosagwirizana.

Zachidziwikire, Crowdfunding salowa m'malo mwa kulembetsa kwachikhalidwe kapena njira zopezera ndalama, koma imatenga nawo gawo munjira zosiyanasiyana zosunga ndalama komanso zopindulitsa.

Mokulirapo, titha kuwona pakukula kwa Crowdfunding mchitidwe wachilengedwe komanso wovomerezeka padziko lonse lapansi pomwe kugwiritsidwa ntchito limodzi ndi kupanga nawo limodzi zimagwira ntchito yofunika kwambiri. Mukhoza kuphunzira zambiri crowdfunding pano.

M'nkhaniyi, tikambirana za Islamic crowdfunding.

Tiyeni

Kodi Islamic Crowdfunding ndi chiyani?

Crowdfunding Chisilamu ndi njira yotsatirira ndalama zomwe Shariah imagwirizana ndi ndalama zomwe zimaphatikizapo kupereka ndalama zothandizira projekiti ndi ndalama kuchokera ku gulu la osunga ndalama mokomera wobwereketsa wachisilamu komanso komwe kusonkhanitsa ndalama ndi zochitika zina zofananira zimachitika kudzera patsamba lachisilamu lothandizira anthu ambiri lomwe limatsatira mfundo zachisilamu.

Kuchulukana Kwachisilamu Kulimbana ndi Kuchulukana Kwanthawi Zonse?

Kusiyana pakati pa kuchuluka kwa anthu achisilamu ndi kuchuluka kwa anthu wamba monga momwe amachitira kumayiko akumadzulo sikunaperekedwe kwenikweni poyang'ana njira zomwe zimagwiritsidwa ntchito kupeza ndalama: Investors (unyinji) thandizirani pakuthandizira ndalama za polojekiti pogawana phindu ndi zotayika ndi wobwereka kapena wolimbikitsa polojekitiyo.

Kusiyanitsa kofunikira pakati pa mitundu iwiriyi ya crowdfunding kuli muzinthu izi:

• Kusowa chidwi (riba) ndi chiwongola dzanja chachisilamu pomwe kuchuluka kwa anthu kumagwiritsidwa ntchito komanso chiwongola dzanja.
• Ngakhale kuchuluka kwa anthu ochiritsira kumayang'ana kwambiri phindu. Imatsatira kwambiri zolinga zotsata Shariah zomwe zimapatula projekiti iliyonse yosagwirizana ndi zinthu zongopeka (Gharar) kapena njuga.

Islamic crowdfunding ndi chida chothandizira ndalama chachikulu pazachuma cha Chisilamu. Njira yofunikayi yobwereketsa ndikusintha koyamba kuyambira pomwe kukhazikitsidwa kwachuma chotsatira Sharia.

Kuchulukana kogwirizana ndi Sharia ndiko njira yopezera ndalama komwe ndalama zimasonkhanitsidwa kuchokera kwa anthu angapo omwe amagwiritsa ntchito nsanja yomwe imagwirizana ndi malamulo a Islamic Sharia. Imagwirizanitsa osunga ndalama ndi amalonda.

Islamic crowdfunding amatsatira mfundo za chuma cha Chisilamu. Imalimbikitsa mgwirizano pakati pa anthu ambiri kuti agwiritse ntchito ndalama mu polojekiti kapena bizinesi. Izi zikugwirizana ndi mfundo ya Sharia yoti chuma chochulukirapo chimasamutsidwa kumagulu opanda chuma.

Halal crowdfunding posachedwapa yayamba kuvomerezedwa kwambiri ndipo ikuchulukirachulukira chida chofunikira chothandizira ndalama m'dziko lazachuma lachisilamu. Popeza crowdfunding imapereka ndalama zotengera ngongole, ngongoleyo imabwezedwa ndi phindu osati chiwongola dzanja, zomwe zimapangitsa kuti Shariah ndi Halal zigwirizane.

Mitundu yandalama zapadera zachisilamu

Islamic crowdfunding makamaka imakhala ndi mitundu inayi yamapulatifomu:

• Islamic crowdfunding.
• Kuchulukitsa kwa mphotho zachisilamu.
• Islamic crowdfunding.
• Kuchulukana kwa ngongole zachisilamu.

A. Kusonkhetsa ndalama kwachisilamu kochokera ku zopereka

Zikaperekedwa, opereka amapereka ndalama zocheperako pantchito yopanda phindu kapena ntchito yopititsa patsogolo chikhalidwe cha anthu monga kuthandiza banja ndi chithandizo chamankhwala kapena kumanga sukulu ku Africa kapena kampeni yaumwini monga chithandizo chamunthu kapena ndalama zamankhwala. .

B. Kuchulukitsa ndalama mozikidwa pamalipiro achisilamu

Opereka ndalama amapereka ndalama zochepa kuti alandire mphothoyo ikatha ntchitoyo. Mphothoyi ndi chinthu chopangidwa ndi polojekitiyi ndipo ikhoza kukhala malaya, CD kapena kanema.

C. Kuchulukana kwachisilamu

Panthawi imeneyi, osunga ndalama amapereka ndalama zambiri. Monga momwe dzinalo likusonyezera, ojambulira masheya poika ndalama amakhala ogawana nawo ndikugawana phindu ndi zotayika.

D. Ngongole za Chisilamu Kuchulukana

Ngongole yogwirizana ndi Sharia imaphatikizapo obwereketsa omwe amabwereketsa ndikuyembekezera kulipidwa pamtengo waukulu ndi phindu.

Trends mu Islamic Crowdfunding

Posachedwapa, Crowdfunding ikhala njira yofunikira kumayiko achisilamu ndipo kubwereketsa nyumba ndi njira imodzi yabwino kwambiri yopezera ndalama.

Au Middle East komanso ku Far East, nsanja zingapo sizidziwonetsa ngati magalimoto ophatikizira anthu ogwirizana ndi sharia, koma makina amtundu wawo wamabizinesi amagwirizana kwambiri ndi malamulo achisilamu azachuma.

Islamic crowdfunding sikungothetsa mavuto a midzi ya Asilamu chifukwa ndi njira yopezera ndalama yomwe imayang'ana kwambiri pazachikhalidwe komanso chikhalidwe monga chitukuko cha anthu. Islamic-crowdfunding.com wakusankhani nsanja zabwino kwambiri zoperekedwa ku Sharia compliant crowdfunding.