Kugulitsa ngati Msilamu

Mukukhumba kuchita malonda ngati Msilamu? Chabwino, mwafika pamalo oyenera. M'malo mwake, Asilamu ochulukirachulukira amakopeka ndi kuthekera kopeza phindu mwachangu ndikulakalaka kuchita malonda ongoyerekeza m’misika yazachuma.

Komabe, mchitidwewu ukuwoneka kuti poyamba umakhala wovuta kugwirizanitsa ndi mfundo za ndalama zachisilamu, zomwe zimaletsa njira zambiri zomwe amalonda amakono amagwiritsa ntchito.

Komabe, poyang'anitsitsa, kugulitsa pa intaneti sikuli zosagwirizana kwenikweni molemekeza malamulo a Chisilamu.

Ndi zochepa zodzitetezera posankha zida zachuma, kupewa misampha ina, ndi kulemekeza malamulo okhwima, zikuoneka kuti n’zotheka Msilamu wokhazikika kuchita malonda popanda kusiya chikhulupiriro chawo.

Finance de Demain akufuna kuunika mwatsatanetsatane funso la kugwirizana kwa malonda ongoyerekeza ndi malamulo achisilamu. Koma musanayambe, umu ndi momwe Kuyika ndalama pogulitsa nyumba ndi sitepe

Tiyeni tizipita !!

🌿 Zoyambira pakugulitsa pa intaneti 📈

Malonda a pa intaneti amakhala ndi kulingalira kwakanthawi kochepa pakusintha kwamisika yazachuma. Wogulitsa amafuna kupindula ndi kusiyana kwamitengo pa magawo, ma indices, katundu, ndalama kapena ma cryptocurrencies.

Imachitidwa kudzera pa nsanja zapaintaneti zomwe zimapereka mwayi wopita kumisika. Malonda amachitidwa ndi kompyuta kapena mafoni ndikudina pang'ono.

Amalonda amagwiritsa ntchito zizindikiro zamakono ndi kusanthula tchati kuti adziwe mwayi. Amafuna kupeza phindu mwachangu, koma amakhalanso pachiwopsezo chachikulu.

🌿 Mkhalidwe wa Chisilamu pa malonda ⚖️

Zina mwazamalonda ndizovuta pazotsatira zachisilamu:

• La kufunafuna phindu mopambanitsa ndi zongopeka ndizoletsedwa (maysir)
• Zotuluka ndi kugulitsa kwakanthawi kumaphatikizapo kusatsimikizika koletsedwa (gharar)
• Les maakaunti a chiwongola dzanja omwe amalipidwa pa madipoziti ndi zoletsedwa (riba)

Komabe, malonda si haram monga choncho pamaso pa Chisilamu. Malingana ngati mfundo zina zimalemekezedwa.

Choyamba, cholinga cha wogulitsa ayenera kukhala woona mtima. Asamawone malonda ngati njira yachiwerewere yolemerera mwachangu, koma ngati ndalama za halal.

Ndiye, magulu ena okha a katundu omwe amaonedwa kuti ndi abwino ndi omwe amaloledwa: masheya, katundu, ndalama. mankhwala ovuta ndi kugulitsa kochepa kuyenera kupewedwa.

Pomaliza, zongopeka osaletsedwa ndi oletsedwa. Kugulitsa sikuyenera kuwononga kapena kusokoneza okhulupirika ku ntchito zawo zachipembedzo.

🌿 Kusankha Broker Wogwirizana ndi Sharia 🕋

Kuti mugulitse motsatira Sharia, ndikofunikira kusankha wogulitsa pa intaneti yemwe amapereka akaunti yachisilamu, popanda riba.

Nawa nsanja zodziwika bwino zomwe zimapereka akaunti yamtunduwu:

✔Akaunti ya eToro Islamic

eToro Islamic Account ndi akaunti yogulitsa pa intaneti yopangidwira makamaka kutsatira mfundo zachisilamu zachuma ndi Sharia. Uwu ndi mwayi wochokera ku nsanja yotchuka ya eToro yamakasitomala achisilamu.

Nkhani iyi yachisilamu imasiyanitsidwa ndi kusowa kwathunthu kwa chiwongola dzanja kapena kusinthana usiku wonse, pofuna kupewa lingaliro lililonse la riba yoletsedwa.

Zida zokha zomwe zimaganiziridwa kuti halal zilipo: masheya, zinthu, ma cryptocurrencies. Zotengera zovuta kuphatikiza kuchulukira mwachisawawa sikuphatikizidwa.

Komiti ya Sharia imayang'anira akauntiyo nthawi zonse kuti iwonetsetse kuti ikutsatirabe Chisilamu pazonse: katundu woperekedwa, kuchuluka kwakukulu, mitundu ya malamulo ololedwa, chithandizo chandalama, ndi zina zambiri.

Akaunti ya Islamic ya eToro ndi zotsimikiziridwa molingana ndi miyezo zandalama zachisilamu zofotokozedwa ndi AAOIFI, bungwe lovomerezeka. Chitsimikizochi chimapereka chitsimikizo kwa makasitomala achisilamu kuti azichita malonda motsatira mfundo zachisilamu.

Chifukwa chake, Akaunti Yachisilamu ya eToro imalola tengerani mwayi pazinthu zonse zamalonda m'malo mwa eToro, mwalamulo ndi halal chimango. Yankho labwino kwa Msilamu aliyense amene akufuna kuchita malonda pa intaneti.

✔ Amana Capital

Amana Capital ndi nsanja yapaintaneti yochokera ku London yomwe imagwira ntchito zandalama zachisilamu komanso ntchito zamalonda zotsatizana ndi Shariah.

Yakhazikitsidwa mu 2011, Amana Capital imapereka maakaunti ogulitsa omwe ali ovomerezeka ndi AAOIFI komanso opanda zinthu zilizonse za haram. Chidwi chonse ndi kusinthana kopangidwa ndi ntchito zamalonda sakuphatikizidwa.

Kutsatiridwa kwa Chisilamu kumatsimikiziridwa ndi komiti yamakhalidwe abwino yomwe imayang'anira kutsimikizira mosalekeza kuvomerezeka kwa zida zonse zachuma zogulitsidwa pa nsanja. Bungwe lachipembedzo limayang'aniranso kutsata malamulo achisilamu.

Chifukwa cha ukadaulo uwu pakugulitsa halal, Amana Capital tsopano imayang'anira kuposa $ XNUMX biliyoni muzinthu m'malo mwa makasitomala achisilamu omwe akufuna kuchita malonda motsatira mfundo zachipembedzo chawo.

Kaya ndinu oyamba kapena odziwa malonda, mutha tsegulani akaunti yotsimikizika ya sharia zimagwirizana ndi Amana Capital ndi malonda a forex mwalamulo, masheya, katundu, masheya ndi ma cryptocurrencies.

✔ Darson Securities

Yakhazikitsidwa ku 2010, Darson Securities ndi woyambitsa malonda achisilamu. Wochokera ku Pakistan, broker uyu wapaintaneti amapereka maakaunti a 100% malonda ogwirizana ndi sharia, popanda chinthu cha haram. Chiwongola dzanja ndicholetsedwa, ndipo zinthu zomwe zimaganiziridwa kuti halal ndizomwe zilipo.

Bungwe la Sharia la Darson Securities limatsimikizira mosalekeza kutsata kwa Chisilamu pazida zachuma ndi magwiridwe antchito. Njirayi ndiyokhazikika kuti kuchepetsa kuopsa kwa kutengeka mongoyerekeza.

Pazaka zopitilira 10, Darson Securities wapanga a mbiri yamphamvu mumakampani malonda a halal. Asilamu ambiri amakhulupilira kuti achita malonda mwachilungamo, mogwirizana ndi chikhulupiriro chawo, posankha zinthu zambiri zamalamulo.

Darson Securities akuwonetsa kuti ndizotheka gwirizanitsani malonda a pa intaneti ndi kulemekeza mfundo za Islam. Pulatifomu yodalirika ya Msilamu aliyense yemwe akufuna kuyika ndalama pamsika munjira ya halal.

🌿 Tengani njira yogulitsira halal 🔭

Ngakhale mutakhala ndi akaunti yogwirizana ndi Sharia, muyenera kuchita malonda mwachilungamo kuti mulemekeze mfundo za Chisilamu.

Pewani malonda akanthawi kochepa komanso ongoyerekeza. Ndalama zachisilamu zimalimbikitsa kupewa kuchita zinthu kwakanthawi kochepa komwe kumafanana ndi zongoyerekeza. Ndikwabwino kukondera ndalama zanthawi yayitali, muma projekiti omwe amapanga phindu lenileni komanso labwino pazachuma chonse.

Chotsani chiwongola dzanja (ribâ) m'njira zake zonse. Kugwiritsa ntchito chidwi, koletsedwa pansi pa mawu akuti "ribâ" muzachuma cha Chisilamu, kuyenera kuchotsedwa kwathunthu. Msilamu adzasamala kuti asaike ndalama pazida zotengera nthiti, kaya ngati wobwereketsa kapena wobwereka.

Dzichepetseni ku malonda omwe muli nawo. Kugulitsa kwachidule ndi njira zina zongopeka zozikidwa pa kugulitsa zinthu zomwe munthu alibe ziyenera kupewedwa. Msilamu adzangochita ndi zinthu zomwe ali nazo kale.

Ikani ndalama mwachilungamo mogwirizana ndi mfundo zanu. Ndikofunikira kungoyika ndalama m'magawo ovomerezeka, ndikupatula kukhudzidwa kulikonse m'malo oletsedwa monga mowa, zida, ndi zina.

Ndi njira yodalirikayi, muchita malonda m'njira ya halal komanso motsatira zachisilamu.

🌿 Samalani mukagulitsa ma cryptocurrencies

Kugulitsa mongopeka kwa ndalama za crypto ndizochitika zomwe zitha kudzutsa mafunso kwa Asilamu ofunitsitsa kulemekeza mfundo zandalama zachisilamu. Zowonadi, kugulitsa kwamtunduwu kutha kufananizidwa ndi "maysir", masewera amwayi amaletsedwa chifukwa amawaona ngati achiwerewere. Kuphatikiza apo, kusinthasintha kwakukulu kwamitengo ya cryptocurrency kumapangitsa kuti pakhale chiopsezo chachikulu komanso kusatsimikizika.

Kwa Msilamu choncho ndikwabwino kusiya chilichonse malonda a cryptocurrency ongopeka, ndikuyang'ana kwambiri ndalama zenizeni mu chuma chogwirika. Ngati chilakolako cha cryptos ndi champhamvu kwambiri, tikhoza kulingalira za ndalama za nthawi yaitali mumapulojekiti omwe chitsanzo chawo chachuma ndi mtengo wowonjezera timamvetsetsa.

Koma chenjezo lalikulu likulimbikitsidwa kuti lisaphwanye mfundo za ndalama zachisilamu. Mutha kugulitsa crypto, koma mosamala.

🌿 Scalping: maganizo omwe amagawidwa pakati pa maulama 📈

Mchitidwe wa scalping pamalonda umayambitsa mkangano pakati pa akatswiri achisilamu. Maulama ena amatsutsa njira imeneyi pazifukwa zingapo:

• Scalping imaphatikizapo kutenga chiopsezo chachikulu komanso kufunafuna koopsa kwa phindu laling'ono, kuchoka ku mfundo za ndalama zachisilamu.
• Kuchulukitsidwa kwa ma micro-frequency transactions ang'onoang'ono kungafanane ndi mtundu wa juga ndi zongopeka zoletsedwa (maysir).
• Scalping imatha kupanga chizoloŵezi chopanda thanzi komanso chokhazikika pazopeza zazing'onozi, zochotsedwa ku chuma chenicheni.

Komabe, maulama ena amavomereza mfundo imeneyi. Kwa iwo, scalping ingakhale yovomerezeka ngati imachokera pa:

• Kusanthula kofunikira kwa katundu wogulitsidwa osati kungongoganizira chabe.
• Kuyesa kutenga zoopsa komanso kuyang'anira ndalama mwanzeru.
• Cholinga chofuna kuchita malonda mwachilungamo osati kutchova njuga.

Ngakhale izi zitha kupangitsa kuti scalping ikhale yovomerezeka, kusamala kwambiri ndikofunikira. Asilamu akulimbikitsidwa kuti azikonda mabizinesi anthawi yayitali kuposa mapindu osatsimikizika awa. Pakati pa kuletsa ndi kulolerana mosamala, maganizo amasiyana pa kugwirizana kwa scalping ndi ndalama zachisilamu.

🌿 Ikani zakat pa mapindu anu 💰

Kwa Msilamu wochita malonda, ndikofunikira kuti ayeretse zomwe wapeza popereka gawo kwa osauka monga momwe amachitira. chachikhumi. Msonkho wachisilamu wovomerezekawu umalola "yeretsani” cholowa chake ndikugawanso chuma.

Phindu lopangidwa kuchokera ku malonda liyenera kuperekedwa zakat molingana ndi sikelo yolondola: 2,5% ya likulu pambuyo pa chaka choyendera mwezi ngati malire ochepera "nisab" yafika. Ulama ena amavomereza kupereka zakat pa phindu lalikulu lililonse, popanda kudikirira malire a pachaka.

Kulipira zakat pazopindula zanu zamalonda ndiye udindo wachipembedzo monga mgwirizano. Izi zimakupatsani mwayi wogawana chuma chanu, kudzipatula ku kukopa kwa phindu lakuthupi komanso kuyandikira ku uzimu wamalonda omwe amalimbikitsidwa muzachuma cha Chisilamu.

🌿 Ma Fatwa pa malonda a pa intaneti 📖

Kuchita malonda pa intaneti kumabweretsa mafunso ambiri okhudza kutsatira kwake miyambo yachisilamu. Ma Ulamawa apereka ma fatwa osiyanasiyana pofuna kuunikira osunga ndalama achisilamu. Limodzi mwa malingaliro ogwirizana ndi kuletsa kwa malire ndi malonda ang'onoang'ono, omwe amaganiziridwa kukhala ongopeka kwambiri. Zochita ziyenera kungokhala pazinthu zomwe muli nazo.

Kuphatikiza apo, akatswiri ena amatsutsa kugwiritsa ntchito maloboti ndi ma aligorivimu, zomwe zimanyozetsa ntchito yogulitsa ndalama. Ena amaona kuti ichi ndi chida chothandiza ngati chikugwiritsidwa ntchito mwanzeru.

Mwambiri, ma fatwas amagogomezera kufunika koyika ndalama mwachilungamo, poganizira za chikhalidwe cha anthu ndikupewa zongopeka. Kugulitsa pa intaneti akhoza kulekerera malinga ngati zikugwirizana ndi mfundo zazikulu zachuma zachisilamu. Kukhala maso nthawi zonse kumafunika.

🌿 Kutseka

Chifukwa chake ndizotheka kwa Msilamu wokonda kuchita malonda pa intaneti, pazifukwa zina, popanda kunyoza mfundo za Chisilamu. Ngakhale maulamu ena ali ndi zokayikitsa, akuluakulu achipembedzo ochulukirachulukira amavomereza mchitidwewu ngati ukuchitidwa mwachilungamo.

Tsopano ndi nthawi yanu yochita malonda ndi nzeru ndi udindo! Mutha kupanga phindu lovomerezeka molingana ndi chikhulupiriro chanu, pokhapokha mutasankha nsanja yoyenera ndikutsata njira yoyendetsera ndalama za halal.

Ngakhale kukangana kumapitilirabe, ntchito iyi ikuwoneka kuti ikugwirizana ndi sharia ngati ikuchitidwa moyenerera, ndi zolinga zowona mtima ndi mofatsa.

🌿 Ma FAQ Ogulitsa Pa intaneti kwa Asilamu

✔ Kodi malonda amaloledwa mu Chisilamu?

Inde, kugulitsa ndikololedwa ngati kuchitidwa mwachilungamo, popanda kungoganizira mopambanitsa kapena magwero olakwika a ndalama. Mafatawa amavomereza pazikhalidwe zina.

✔ Kodi malamulo achisilamu oti azitsatira pochita malonda ndi ati?

Muyenera kugwiritsa ntchito akaunti popanda chiwongola dzanja kapena kusinthana (riba), kuchepetsa ziwopsezo, kupewa zotengera zovuta (gharar), osalingalira mochuluka ndipo perekani gawo lazopindula ku Zakat.

✔ Kodi ndingagulitse ma cryptocurrencies?

Inde ndizotheka, koma pang'onopang'ono. Kondani ma cryptos abwino okhala ndi ma projekiti a konkire. Pewani ma cryptoassets ongoyerekeza.

✔ Kodi scalping amaloledwa?

Maganizo amasiyana. Ulama ena amavomereza chifukwa maudindowo ndi aafupi kwambiri, ena amawaona ngati kungoganizira mopambanitsa.

✔ Kodi mungapeze bwanji halal trading broker?

Dziwani ngati nsanjayi imapereka maakaunti achisilamu opanda chidwi. Onetsetsani kuti ikuyang'aniridwa ndi komiti ya Shariah ndikutsimikiziridwa molingana ndi mfundo zachisilamu zachuma.

✔ Kodi ndiyenera kulipira zakat pazopeza zanga zamalonda?

inde, muyenera kutenga 2.5% ya phindu lanu zopangidwa mu malonda, pambuyo pochotsa zotayika, ndi kuzipereka kwa osowa. Izi zimayeretsa zomwe mumapeza.

✔ Kodi malonda a tsiku ndi tsiku halal?

Ma Ulamaa ena amavomereza chifukwa maudindowo amatsekedwa tsiku lisanathe. Ena amaona kuti ndi zowopsa komanso zongopeka. Njira zapakati zimalimbikitsidwa.