Kuyika ndalama pamsika wamasheya ngati Msilamu

Momwe mungasungire ndalama pamsika wamasheya ngati Msilamu? Invest in the stock market amasangalatsa anthu ochulukirachulukira omwe amakopeka ndi kuthekera kopanga ndalama zowonjezera pakapita nthawi. Komabe, Asilamu ambiri amazengereza kulowa m’madzi chifukwa choopa zimenezo mchitidwe umenewu ndi wosagwirizana ndi chikhulupiriro chawo. Chisilamu chimayang'anira kwambiri zochitika zachuma, kuletsa njira zambiri zomwe zimagwiritsidwa ntchito pamisika yamakono.

Komabe, poyang'anitsitsa, kuika ndalama pa msika wogulitsa Sizosagwirizana kwenikweni ndi mfundo za chuma cha Chisilamu.

Posankha ndalama zokwanira, kupewa misampha ina, komanso kulemekeza malamulo angapo ofunikira, Asilamu atha kuyika ndalama pamsika wamasheya pomwe amakhalabe okhulupirika kuchipembedzo chawo.

Tiyeni tizipita !!

Zoyambira pakuyika ndalama pamsika wamasheya 📈

Kuyika ndalama pamsika wamasheya ndi kugula katundu monga masheya, ma bond kapena chuma china mu cholinga chopezera phindu kwa nthawi yayitali.

Pokhala ndi magawo mu kampani, mumakhala ogawana ndipo muli ndi ufulu wopeza gawo la phindu ngati gawo la magawo. Mukubetchanso pakuwonjezeka kwa mtengo wogulitsidwanso wagawo. Ndi zophweka monga izo.

Les misika yayikulu comme NASDAQ kapena CAC 40 zimakupatsani mwayi woyika ndalama m'makampani omwe adatchulidwa. N'zotheka kugula magawo mwachindunji kapena kudzera mu ndalama zogwirizanitsa.

Malamulo achisilamu azachuma 🕋

Kuyika ndalama mumsika ngati Msilamu kumatanthauza kulemekeza Sharia. Ndipotu, ndalama zachisilamu zimakhazikitsidwa mfundo za Sharia. Wopanga ndalama wachisilamu ayenera kulemekeza malamulo awa posankha ndalama zake. Machitidwe ena odziwika pazachuma wamba ndizoletsedwa:

✔ The riba ❌

Riba ndi chimodzi mwazoletsa zazikulu mu chuma cha Chisilamu. Malinga ndi zolemba zopatulika za Koran, mtundu uliwonse wa chiwongola dzanja kapena katapira ndi woletsedwa kwa Asilamu.

Mawu akuti riba amatanthauza ndalama iliyonse, phindu kapena lendi yomwe imapezeka kuchokera ku ngongole yandalama, kubwezera nthawi yomwe yadutsa. Concrete, izi zikuphatikizapo chiwongola dzanja chopezeka pa akaunti yosungira, chiwongola dzanja choperekedwa pa ngongole kubanki, komanso chiwongola dzanja chomwe chimawonjezeka pakapita nthawi.

Ma bond wamba, omwe amalipira makuponi a chiwongola dzanja chokhazikika, amaletsedwa kwa Asilamu omwe akuchita. Zomangira zachisilamu zogwirizana ndi Sharia zokha (sukuk) ndizololedwa, chifukwa sapereka chiwongola dzanja chosaloledwa.

Momwemonso, ndizoletsedwa kuyika ndalama m'mabungwe okhazikika azachuma omwe perekani ngongole ndi chiwongoladzanja. Mabanki, makampani a inshuwaransi ndi mabungwe a ngongole ayenera kupewa.

✔ The gharar ❌

Ngati mukufuna kuyika ndalama pamsika, muyenera kupewa gharar. The gharar amasankha kusatsimikizika kwakukulu komanso kusakhazikika muzochitika zachuma. Muzachuma zachisilamu, gharar ndi yoletsedwa chifukwa imabweretsa chisalungamo ndi malingaliro.

Makamaka, gharar imakhudza malingaliro osiyanasiyana:

• The asymmetry chidziwitso pakati pa maphwando a mgwirizano
• Kusamveka bwino kwa mfundo za mgwirizano
• Kusatsimikizika za kukhalapo kwenikweni kwa mutu wa mgwirizano
• Kulingalira kowopsa komanso kopanda nzeru

Kuti agwirizane ndi kuletsa kwa gharar, mapangano azachuma achisilamu ayenera zikhala zowonekera bwino, zomveka ndi magulu onse, ndipo zimagwirizana ndi katundu weniweni ndi wodziwika.

Ponena za ndalama za msika, lingaliro la gharar limalimbikitsa khazikitsani ndalama moyenera kupewa kutenga zoopsa kwambiri. Zimalimbikitsanso anthu kuti azikonda chuma chenicheni m'malo mongoganizira zandalama.

✔ Mandalama osaloledwa ❌

Muyeneranso kuganizira za chuma chogwirika ngati mukufuna kuyika ndalama pamsika. Ndalama zachisilamu zimaletsa kuyika ndalama m'magawo ena azochitika zimaonedwa kuti ndi zosaloledwa komanso zosavomerezeka.

Malemba amaletsa momveka bwino madera okhudzana ndi mowa, njuga, zolaula, kapena ndalama zongopeka.

Mwachindunji, izo ziri zoletsedwa kwa Msilamu kuyika ndalama m'makampani okhudzana ndi kupanga kapena kugawa zakumwa zoledzeretsa. Opanga mowa, vinyo ndi mizimu yoyipa ayenera kupewa. Makasino ndi malo ena otchova njuga ndi kubetcha nawonso akuyenera kupewedwa.

N'chimodzimodzinso ndi mafakitale osangalatsa achikulire, monga kupanga mafilimu olaula, amaonedwa ngati haramu. Momwemonso ndi makampani opanga zida zankhondo, makamaka zida zotsutsana.

✔ Kulingalira ❌

Zongopeka zosaletsedwa ndizoletsedwa m'zachuma zachisilamu chifukwa imatengedwa ngati masewera oletsedwa (maysir). Zowonadi, kuchita malonda azachuma ndi cholinga chongopeza phindu kuchokera kukusintha kwamitengo kwakanthawi kochepa kumawonedwa ngati kutchova njuga kowopsa komanso kwachisembwere.

Mtundu uwu wa zongopeka koyera ndi wokonda njuga, ndipo satenga nawo mbali pazachuma chenicheni. Zolemba zachipembedzo zimatsutsa mchitidwe umenewu wongofuna kupeza phindu mopanda malire.

Iwo amalimbikitsa a ndalama zabwino komanso zoyenera, kumene wogulitsa ndalama amagawana zoopsa ndi kutenga nawo mbali pakupanga mtengo. Chifukwa chake, kuti zikhale zovomerezeka, kusungitsa ndalama pamsika kuyenera kukhala kusungitsa ndalama kwanthawi yayitali, osati kutsatizana kwa kubetcha kowopsa kosagwirizana ndi zomwe kampani ikuchita.

Ndi zinthu ziti zomwe mumakonda? ✅

Sikuti mabizinesi onse ndi magawo onse amaloledwa kwa Muslim Investor. Kuyika ndalama mumsika wamalonda kumayendetsedwa. Kuyika ndalama pamsika ndikulemekeza mfundo zazachuma zachisilamu, zinthu zina ziyenera kukondedwa ndi Asilamu.

Choyamba, sankhani masheya kukhala ndi ngongole zochepa komanso kupanga magawo ochepa a ndalama zawo kudzera pa chiwongola dzanja. Sefanso magawo oletsedwa (mowa, fodya, ndi zina). Mukhozanso kutembenukira ku sukuks, Chisilamu chofanana ndi ma bond, mothandizidwa ndi katundu wogwirika ndi kayendedwe ka ndalama zenizeni osati chiwongola dzanja chenicheni chandalama.

Pomaliza, kuti zikhale zosavuta, tembenuzirani ku kusinthanitsa ndalama zogulitsa kutengera zolemba zachisilamu. Kusefa kwa zinthu zomwe sizikugwirizana ndi Sharia kwachitika kale. Ndi malangizowa, mudzagulitsa msika wamasheya ndi malingaliro opepuka komanso mukugwirizana kwathunthu ndi mfundo zanu zachipembedzo.

Kuyika ndalama m'malo kuti mupeze lendi ndikololedwa. Samalani komabe ngongole ndi chiwongola dzanja. Chifukwa chake ndalama zogulitsa nyumba ndi njira yabwino yopangira ndalama pamsika ngati Msilamu.

📊

Izi zotengera zosefera zamakhalidwe komanso zamakhalidwe zimakumana ndi chidwi chokulirapo kuchokera kwa osunga ndalama, Asilamu komanso omwe si Asilamu, okopeka ndi ndalama zabwinozi. Kunena zoona, njira zosefera zopangira zisonyezozi zimasiyanasiyana koma nthawi zambiri zimatengera kuchotsedwa kwa magawo ndi kuchuluka kwachuma.

Kusapezeka m'magawo ang'onoang'ono kumapangitsa kuti zitheke kuchotsa nthawi yomweyo makampani omwe akuchita zinthu zosayenera (njuga, mowa, fodya, ndi zina zotero) kapena zowoneka ngati zovulaza anthu (zankhondo). Kuwerengera ndalama kumayesa kuchuluka kwa ngongole ndi gawo la ndalama zomwe zimachokera ku chiwongoladzanja chandalama. Makampani omwe ali ndi ngongole zambiri kapena omwe amapeza ndalama zambiri kuchokera ku chiwongola dzanja nawonso saphatikizidwa.

Chifukwa cha kusefa kawiri uku, ziwonetsero zachisilamu zimatengera momwe misika yapadziko lonse lapansi imagwirira ntchito potengera kapangidwe kake, koma popanda zinthu zosemphana ndi malamulo achisilamu osunga ndalama.

Sankhani broker ya halal pa intaneti 💻

Kugulitsa masheya molingana ndi mfundo zandalama zachisilamu, tikulimbikitsidwa kuti Msilamu adutse pamalonda ovomerezeka pa intaneti "halal“. Mkhalidwe woterewu umatsimikizira kuti wotsatsayo amapereka maakaunti ndi ntchito zomwe zimagwirizana ndi malamulo a Sharia: palibe zochitika zomwe zimakhudzana ndi ribâ (chiwongola dzanja), kupatula mabizinesi a haram (osatsatira), ndi zina zambiri.

Mwachitsanzo, pa intaneti broker Dubai First imapereka maakaunti otsimikizika achisilamu osungitsa ndalama omwe amasefa zinsinsi zandalama molingana ndi njira zopezera ndalama. Chitsimikizo chake chimatanthawuzanso ndondomeko ya zopereka zapachaka zomwe zimagwirizana ndi zakat ndi zitsimikizo zina.

Ubwino wa broker wapadera wotere ndi kuti muchepetse ndalama maphunziro a munthu wachisilamu chifukwa chakusankhiratu zotetezedwa zomwe zimagwirizana ndi chikhalidwe chake chachipembedzo. Chitonthozo chachikulu kuyang'ana modekha pakuwongolera masheya anu!

Kuti mugulitse msika wamasheya mwachindunji, muyenera kudutsa papulatifomu yobwereketsa pa intaneti. Ena amalemekeza kwambiri mfundo zachisilamu:

• Malingaliro a kampani Wahed Invest : otsogolera otsogola pa intaneti omwe amapereka ma portfolio a halal ETF omwe adamangidwa kale.
• Ololera : ndalama za halal m'masheya ndi nyumba popanda riba.
• IFDC : nsanja yomwe imatsimikizira kuti Sharia ikutsatiridwa ndi zinthu zomwe zimaperekedwa.

Onetsetsani kuti mwasankha broker yemwe ali wodalirika, wowonekera, ndipo amangopereka ndalama zovomerezeka.

Ndalama za Crypto

Ubale pakati pa cryptocurrency ndi ndalama zachisilamu ukhoza kuwonedwanso pakusinthana. Cryptocurrency imagwira ntchito ngati njira yosinthira padziko lonse lapansi. Izi zikutanthauza kuti imatha kugwira ntchito m'malo osiyanasiyana mwalamulo komanso osadziwikiratu, zomwe nthawi zambiri zimapangitsa kuti zikhale zosavuta kuzipeza kuposa njira zachikhalidwe zachuma.

Ngakhale kuti ali pachiwopsezo cha kusintha kwa msika, ndalama za crypto monga Bitcoin ndi Ethereum zimatengedwa ngati njira yovomerezeka yosinthira. Amapezeka kuti agwiritsidwe ntchito pochita malonda ndi malonda.

Kupanga malangizo ogwirizana ndi Sharia-cryptocurrency kumapereka mwayi kwa Asilamu kupanga ndalama zoyenera. Kuchokera pamalingaliro azachuma, mabungwe achisilamu achisilamu atha kupindula kwambiri Zakat ndi zopereka zina kudzera pakuyika ndalama za crypto ndi malonda.

Mabanki ambiri ndi mabungwe azachuma padziko lonse lapansi amazindikira crypto ngati njira yosinthira ndalama. Izi zimapangitsa kukhala kosavuta kwa osunga ndalama kuti apitilize kugulitsa, kugula, ndi kugulitsa cryptocurrency.

Zokhudza ngati mapangano okhudzana ndi crypto akugwirizana ndi sharia, popeza maubwenzi apakati pa crypto amachokera ku makontrakitala anzeru pogwiritsa ntchito ukadaulo wa blockchain, izi zikutanthauza kuti njirayi ikhoza kupangidwa kukhala yotetezeka komanso yokhazikika. Izi sizimangochepetsa zovuta zautsogoleri, chisokonezo ndi zolakwika.

Ma cryptocurrencies otenga nawo mbali komanso ogawana nawo ali ndi projekiti yogwirizana kwambiri ndi machitidwe achisilamu.

Zakat ndi Investment 💰

Zakat Ndikokakamizidwa kupereka sadaka m'Chisilamu. Nthawi zambiri zimakhala 2.5% ya ndalama ndi ndalama. Akatswiri ambiri amavomereza kuti zakat imagwiranso ntchito pazachuma.

Lamulo loyeretsedwali limagwiranso ntchito ku phindu lopangidwa ndi ndalama zachuma. Maulama ena amalangizanso kupereka zakat pa phindu lililonse lalikulu lomwe lingapezeke pambuyo pogulitsa gawo, popanda kuyembekezera tsiku lomaliza.

Kulipira msonkho wachipembedzo uwu kumakupatsani mwayi woyeretsa likulu lanu lazachuma, kuti muchotse mawonekedwe ake nthawi zina odzikonda komanso ongopeka. Zakat imaphatikizapo kugawana ndi mgwirizano kwa ofooka.

Ma Fatwas pakuika ndalama pamsika wamasheya 🔎

Kuyika ndalama m'misika yazachuma komanso msika wamasheya kumabweretsa mafunso kwa Msilamu omwe akufuna kugwirizanitsa ndalama zake ndi mfundo zandalama zachisilamu. Komanso maulama ambiri alankhulapo pankhaniyi kudzera mu ma fatwa osiyanasiyana.

Ngati akatswiri ena amasungidwa kwambiri kumsika wamsika ndi zake zopatuka zongopeka kuthekera, ambiri amawona ngati ntchito yovomerezeka yazachuma pamikhalidwe ina. Chifukwa chake, European Council of Fatwa and Research imawona kuti kuyika ndalama m'magawo kumakhala kovomerezeka.

Pakati pa malingaliro akuluakulu omwe aperekedwa m'mafatawa, timapeza kufunika kosankha kampani yamakhalidwe abwino, kusefa magawo osaloledwa (mowa, zida, ndi zina zotero), kuchotsedwa kwa njira zomwe zimatengera chiwongola dzanja chambiri, kapenanso udindo wolipira zakat. zopindula ndi phindu.

Ngati njira zodzitetezerazi zikulemekezedwa, ndalama pamsika wamasheya zingatheke kutsimikiziridwa ndi kulimbikitsidwa. Ena amawonanso ngati njira yolimbikitsira chuma chenicheni ndikudziwitsanso makhalidwe abwino chifukwa cha chikoka cha osunga ndalama achi Muslim. Kutenga nawo mbali pamisonkhano yayikulu komanso mavoti omwe ali ndi masheya amalimbikitsidwanso.

Pomaliza

Pomaliza, ndizotheka kwa Muslim kuyika ndalama pamsika wamasheya polemekeza mfundo ndi makhalidwe abwino a Chisilamu. Ngakhale zina mwazachuma zamakono sizigwirizana ndi Sharia, njira zambiri zilipo kwa Investor odziwa.

Posankha masheya ndi ndalama zomwe zikugwirizana ndi Sharia, kupewa riba m'njira zake zonse, kusamala zamalingaliro, komanso kupereka zakat yawo mosamalitsa, Msilamu aliyense angathe. kupanga ndalama za halal pamsika wamasheya.

Zowona, izi zimafunikira kafukufuku wochulukirapo kuposa ndalama zakale kuti musankhe zinthu zoyenera komanso zovomerezeka. Koma kuyesayesako kuli koyenerera kukhala ndi mtendere wamumtima ndi kusatsutsana ndi zikhulupiriro zachipembedzo.

Ndi njira yoyenera, izo zimaloledwa kwathunthu ndipo ngakhale akulimbikitsidwa kukulitsa ndalama zomwe mwasunga kudzera mumsika wamasheya. M'malo moletsedwa kutchova njuga, ukhoza kukhala gwero la ndalama zamakhalidwe abwino komanso ntchito yokwaniritsa. Musazengereze kuyamba, ndipo Allah akutsogolereni muzoyika zanu !

Munkhaniyi, Finance de Demain monga nthawi zonse amazungulira kuti akupatseni malingaliro ake momwe angagulitsire ndalama pamsika wamasheya ngati Msilamu. Koma musananyamuke, umu ndi mmene perekani ndalama zogulitsa nyumba pang'onopang'ono.

FAQ

Q: Kodi kuyika ndalama pamsika wamasheya ndikololedwa ndi Chisilamu?

R: Inde, ndalama nthawi zambiri zimakhala zovomerezeka malinga ngati zilemekeza mfundo za zachuma za Chisilamu: palibe chiwongoladzanja kapena zongopeka, kuyika ndalama mu chuma chenicheni.

Q: Ndi njira ziti zosankhira masitoko a halal?

R: Ndikofunikira kusanthula zomwe kampaniyo ikuchita ndikuwonetsetsa kuti sizipanga zambiri pazogulitsa zake m'gawo la mowa, fodya, zida, zolaula, ndi zina.

Q: Kodi zopindula zomwe zimaperekedwa ndi mabungwe ndizololedwa?

R: Inde, zopindula zimaloledwa malinga ngati zimachokera kuzinthu zachuma komanso zosagwirizana ndi zachuma.

Q: Kodi mutha kuyikapo ndalama mu index iliyonse yamasheya?

R: Zizindikiro zina zokulirapo sizipangitsa kuti athe kusefa makampani omwe satsatira malamulo a Sharia. Ndikwabwino kutsata ma indices achisilamu kapena ndalama zovomerezeka.

Q: Kodi pali ndalama zomwe zimayikidwa m'masheya zomwe zimagwirizana ndi ndalama zachisilamu?

R: Inde, ndalama zochulukirachulukira zikupereka zosefera zomwe zimagwirizana ndi malamulo a Sharia. Amaimira yankho lothandiza.

Q: Kodi muyenera kulipira Zakat pazogulitsa zanu m'masheya?

R: Inde, ngati mwakhala ndi magawo kwa chaka chimodzi, mtengo wake uyenera kuperekedwa ku Zakat molingana ndi mawerengedwe a mabanki.

Osazengereza ngati muli ndi mafunso ena okhudza kuyika ndalama pamsika wa halal!

Tisiyeni ndemanga