Kuisa mari mumusika wemasheya semuMuslim

Maitiro ekudyara mumusika wemasheya seMuslim? Isa mari mumusika wemasheya inonakidza vanhu vakawanda uye vanokwezvwa nemukana wekuita imwe mari mukufamba kwenguva. Zvisinei, vaMuslim vakawanda vanozengurira kunyura, vachitya izvozvo kuita uku hakuenderani nekutenda kwavo. Islam inonyatso kudzora kutengeserana kwemari, ichirambidza nzira dzakawanda dzakajairika dzemisika yemazuva ano.

Nekudaro, pakunyatsotarisisa, kuisa mari mumusika wemasheya hazvienderani zvachose nemisimboti yezvemari yechiIslam.

Nekusarudza kudyara kwakaringana, kudzivirira dzimwe misungo, uye nekuremekedza mitemo mishoma yakakosha, maMuslim vanokwanisa kuita mari mumusika wemasheya vachiramba vakatendeka kutsika dzavo dzechitendero.

Handeyi !!

Izvo zvakakosha zvekudyara mumusika wemasheya 📈

Kuisa mari mumusika wemasheya ndiko buy assets semastock, mabhondi kana zvimwe zvinhu zvemari mukati chinangwa chekuunza purofiti yenguva refu.

Nekuva nemasheya mukambani, iwe unova mugoveri uye une kodzero yechikamu chepurofiti nenzira yegovedhi. Iwe uri kubheja zvakare pakuwedzera kwe kukosha kwekutengeswa kwemugove. Zviri nyore saizvozvi.

Les misika mikuru yemasheya comme iyo NASDAQ kana iyo CAC 40 kukubvumira kuisa mari mumazana emakambani akanyorwa. Zvinokwanisika kutenga masheya zvakananga kana kuburikidza nemutual funds.

Mitemo yezvemari yechiIslam 🕋

Kuisa mari mumusika wemasheya semuMuslim zvinoreva kuremekedza mutemo weSharia. Muchokwadi, mari yechiIslam yakavakirwa pa misimboti yeSharia. Mushambadzi wechiMuslim anofanira kuremekedza zvakanyanya mitemo iyi mukusarudza kwekudyara kwake. Mamwe maitiro akajairika mumari yakajairika anorambidzwa:

✔️ Riba ❌

Riba iri chimwe chezvakakosha zvinorambidzwa mune mari yechiIslam. Maererano nemagwaro matsvene eKoran, chero rudzi rwemhindu kana mhindu inorambidzwa zvachose kuvaMuslim.

Izwi rekuti riba rinodudza chero mari, kuwana kana rendi inowanikwa kubva kuchikwereti chemari, mukudzoka kwenguva yakapfuura. Concretely, izvi zvinosanganisira mubereko unowanikwa paakaundi yekuchengetedza, mubereko unobhadharwa pachikwereti chebhangi, asiwo mubereko wakasanganiswa unowedzera nekufamba kwenguva.

Zvisungo zvakajairwa, zvinobhadhara makuponi emubereko, zvinorambidzwa kumuMuslim ari kudzidzira. Chete Sharia-inoenderana Islamic bond (sukuk) inotenderwa, sezvo isingabhadhare mhindu isiri pamutemo.

Saizvozvo, zvinorambidzwa kuisa mari mune zvakajairwa masangano emari ayo ita zvikwereti nezvibereko. Mabhangi, makambani einishuwarenzi uye zvikwereti zvechikwereti zvinofanirwa kudziviswa.

✔️ The gharar ❌

Kana iwe uchida kuisa mari mumusika wemasheya, uchafanirwa kudzivirira gharar. Iyo gharar inosarudza kusava nechokwadi kwakanyanya uye kusarongeka mukutengeserana kwemari. Mumari yechiIslam, gharar inorambidzwa nekuti inounza kusarongeka uye fungidziro.

Kunyanya, gharar inovhara pfungwa dzakasiyana:

• Iyo asymmetry yeruzivo pakati pemapato kune kondirakiti
• Kusajeka kwezviga zvechibvumirano
• Kusava nechokwadi pamusoro pekuvapo chaiko kwechinyorwa chechibvumirano
• Kufungidzira kune njodzi uye kusina musoro

Kutevedzera kurambidzwa kwegharar, zvibvumirano zvezvemari zveIslam zvinofanirwa nyatsobuda pachena, inonzwisisika nemapato ese, uye ine chekuita nemidziyo chaiyo uye yakaonekwa.

Nezvekudyara kwemusika wemari, iyo pfungwa yegharar saka inokurudzira isa mari zvakanaka kudzivisa kunyanya kuisa njodzi. Inokurudzirawo vanhu kuti vasarudze hupfumi chaihwo pane kufungidzira kwemari.

✔️ Kuisa mari zvisiri pamutemo ❌

Iwe unozofanirwawo kufunga nezvezvinhu zvinobatika kana iwe uchida kuisa mari mumusika wemasheya. Mari yechiIslam inorambidza zviri pamutemo kudyara mune mamwe masekete ezviitwa zvinoonekwa zvisiri pamutemo uye zvisina tsika.

Zvinyorwa zvomuMagwaro zvinorambidza zvakajeka zvinhu zvine chokuita nedoro, kubhejera, kuona zvinonyadzisira, kana kuti mabasa ezvemari okufungidzira.

Chokwadi, ndizvo zvinorambidzwa kune muslim kuisa mari mumakambani ane chekuita nekugadzirwa kana kugoverwa kwezvinwiwa zvinodhaka. Vagadziri vedoro, waini nemweya zvinofanirwa kudziviswa. Makasino uye kumwe kubhejera uye kubheja zvivako zvinofanirawo kudzivirirwa.

Saizvozvowo, maindasitiri evaraidzo yevakuru, akadai sekugadzira mafirimu ezvinonyadzisira, anonzi haramu. Zvimwe chetezvo zvinoenda kuindasitiri yezvombo, kunyanya zvombo zvine nharo.

✔️ Kufungidzira ❌

Kufungidzira kusadzorwa kunorambidzwa mumari yechiIslam nekuti inoonekwa semutambo unorambidzwa wemukana (maysir). Chokwadi, kuita kutengeserana kwemari nechinangwa chekuwana purofiti kubva kukuchinja kwemitengo kwenguva pfupi kunoonekwa sekubheja kune njodzi uye unzenza.

Mhando iyi yekufungidzira kwakachena ndeye anofarira kubhejera, uye haatore chikamu muhupfumi chaihwo. Zvinyorwa zvechitendero zvinoshora maitiro aya ekutsvaga mhindu chete uye zvisina mwero.

Vanotsigira a mari yakanaka uye ine tsika, uko mushambadzi anogovera chaizvo njodzi uye anotora chikamu mukugadzira kukosha. Saka, kuve pamutemo, mari yemusika wemasheya inofanirwa kuve ine chekuita nekudyara kwenguva refu, uye kwete kutevedzana kwemabheti ane njodzi asingaenderane nebasa rekambani.

Ndezvipi zvinhu zvaunofarira? ✅

Haasi ese mabhizinesi nemasekete anotenderwa kune muMuslim investor. Kuisa mari mumusika wemasheya saka kunodzorwa. Kudyara mumusika wemasheya uchiremekedza misimboti yemari yeIslam, zvimwe zvinhu zvinofanirwa kufarirwa nevaMuslim.

Chokutanga pane zvose, sarudza masheya kuva nechikwereti chakaderera uye kugadzira chikamu chidiki chemari yavanowana kuburikidza nemubereko. Zvakare sefa zvikamu zvinorambidzwa (doro, fodya, nezvimwewo). Unogonawo tendeukira kusukuks, iyo yechiIslam yakaenzana nemabhondi, inotsigirwa nezvinhu zvinobatika uye kuyerera chaiko kwemari pane kuita mari yakachena.

Pakupedzisira, kuti zvive nyore, tendeukira ku kuchinjanisa mari inotengeswa kutevedzera Islamic stock indices. Kusefa kweasiri-Sharia-inopindirana tsika kwatoitwa. Nezvirairo izvi, uchaisa mari mumusika wemasheya uine pfungwa dzakareruka uye uchibvumirana zvizere nemisimboti yechitendero chako.

Kuisa mari mu real estate kuti uwane rendi kunobvumidzwa. Chenjera zvakadaro zvikwereti zvine mhindu. Real estate investment saka inzira yakanaka yekuisa mari mumusika wemasheya semuMuslim.

Islamic Stock Indices 📊

Aya ma indices akavakirwa pamasefa ehunhu uye ehunhu ari kusangana nekuwedzera kufarira kubva kune vanoisa mari, maMuslim asiwo vasiri maMuslim, vakanyengerwa nemari yakanaka iyi. Pachokwadi, nzira yekusefa yekugadzira aya indices inosiyana asi kazhinji yakavakirwa pakusabatanidzwa kwechikamu uye chiyero chemari.

Kusabatanidzwa muSectoral kunoita kuti zvibvire kubvisa makambani ari kuita zvisiri pamutemo (kubhejera, doro, fodya, nezvimwewo) kana anoonekwa seanokuvadza nzanga (zvombo). Huyero hwemari hunoyera mwero wechikwereti uye chikamu chemari inowanikwa kubva mubereko yemari. Makambani ane zvikwereti zvakawandisa kana nemari inowaniswa kubva mubereko zvakare haabatanidzwi.

Nekuda kwekusefa kaviri uku, ma indices echiIslam anodzokorora mashandiro emisika yepasi rose nekutevedzera maumbirwo awo, asi pasina zvinhu zvisingaenderane netsika dzekudyara zvechiIslam.

Sarudza halal online broker 💻

Kutengesa masheya zvinoenderana nemisimboti yezvemari yechiIslam, zvinokurudzirwa kuti muMuslim apfuure neakanyoreswa online broker "halal“. Chimiro chakadaro chinosimbisa kuti broker anopa maakaundi uye masevhisi anoenderana nemirairo yemutemo weSharia: hapana kutengeserana kunosanganisira ribâ (chibereko), kusabatanidzwa kweharam (asingaenderane) mabhizinesi, nezvimwe.

Semuenzaniso, iyo online broker Dubai First inopa akasimbiswa echiIslam maakaundi ekudyara ane kusefa kwezvibatiso zvemari zvinoenderana nehunhu hwekuwedzera-mari. Chitupa chayo chinorevawo mutemo wepagore wekupa unoenderana nezakat uye kumwe kuoneswa.

Kubatsira kweakadaro nyanzvi broker ndeye kurerutsa mari musika wemasheya wemunhu wechiMuslim nekuda kwekutanga kusarudzwa kwezvibatiso zvinoenderana nehunhu hwechitendero chake. Yakakosha kunyaradza kuisa pfungwa dzakadzikama pane manejimendi ezvinzvimbo zvako zvestock!

Kudyara mumusika wemasheya zvakananga, iwe unozofanirwa kuenda kuburikidza neinternet brokerage chikuva. Vamwe vanoremekedza zvakanyanya misimboti yechiIslam:

• Wahed Invest : inotungamira online broker inopa pre-yakavakwa halal ETF portfolios.
• Zvibereko : halal investment mumasheya uye real estate pasina riba.
• IFDC : chikuva chinosimbisa kutevedza kweSharia kwezvigadzirwa zvinopihwa.

Ita shuwa kuti unosarudza broker yakavimbika, yakajeka, uye inopa chete mari yepamutemo.

Cryptocurrencies

Hukama huri pakati pecryptocurrency nemari yeIslam inogonawo kutariswa kubva pakuona kwekutsinhana. Cryptocurrency inoshanda senzira yekutsinhana pasi rese. Izvi zvinoreva kuti inogona kushanda munzvimbo dzakasiyana-siyana uye dzisingatarisirwi zviri pamutemo, izvo zvinowanzoita kuti ive nyore kupinda pane zvechinyakare sarudzo dzemari.

Kunyangwe ari panjodzi yekuchinja kwemusika, mari dzecrypto dzakadai seBitcoin neEthereum dzinoonekwa senzira yepamutemo yekutsinhana. Iwo anowanikwa kuti ashandiswe mukutengesa uye kutengeserana.

Kuvandudzwa kweSharia-inoenderana cryptocurrency nhungamiro kunopa mikana kune maMuslim kuti vaite zvetsika mari. Kubva pamaonero emari, masangano anobatsira echiIslam anogona kubatsirwa zvakanyanya kubva Zakah uye zvimwe zvipo kuburikidza nekudyara kwecrypto uye kutengesa.

Mabhangi mazhinji uye masangano ezvemari pasi rese anoona crypto senzira ine mari yekutsinhana. Izvi zvinoita kuti zvive nyore kune vanoisa mari kuti vaenderere mberi nekutengesa, kutenga, uye kutengesa cryptocurrency.

Nezve kana zvibvumirano zvine chekuita nekrispto zvinopindirana nesharia, sezvo hukama hwechibvumirano mu crypto hwakavakirwa pazvibvumirano zvine hungwaru uchishandisa blockchain tekinoroji, izvi zvinoreva kuti maitiro anogona kuitwa zvakanyanya uye zvakanyanya kuchengetedzwa uye otomatiki. Izvi hazvingodzikisi kuoma kwekutonga, kuvhiringidzika uye kukanganisa.

Kutora chikamu uye kugovana-kwakavakirwa cryptocurrencies vane purojekiti inofambirana netsika dzechiIslam.

Zakat nekudyara 💰

Zakat Kupa zvipo muIslam kunosungirwa. Kazhinji inokwana 2.5% yemari uye yekuchengetedza. Nyanzvi zhinji dzinobvuma kuti zakat inoshandawo kukudyara.

Uyu mutemo wekucheneswa unoshandawo kune purofiti inowanikwa nekudyara kwemari. Vamwe maUlama vanotokurudzira kubhadhara zakat pane imwe neimwe yakakosha mari inowanikwa mushure mekutengeswa kwechikamu, pasina kumirira zuva rekupedzisira regore.

Kubhadhara mutero wechitendero uyu kunokubvumira kuti uchenese mari yako yemari, kuibvisa pane dzimwe nguva ine udyire uye yekufungidzira hunhu. Zakat inomiririra chiitiko chekugovana uye kubatana kune vasina simba.

Fatwas pakudyara mumusika wemasheya 🔎

Kuisa mari mumisika yemari uye musika wemasheya kunomutsa mibvunzo kune muMuslim anoda kuenzanisa mari yake nemisimboti yezvemari yechiIslam. Zvakare, maUlamas mazhinji akataura pamusoro penyaya iyi kuburikidza nemafuta akasiyana.

Kana dzimwe nyanzvi dzakachengeterwa zvakanyanya kumusika wemasheya uye yayo kufungidzira kutsauka zvinogona, vazhinji vanozviona sechiitiko chepamutemo chehupfumi pasi pemamwe mamiriro ezvinhu. Nekudaro, iyo European Council yeFatwa uye Tsvagiridzo inoona kudyara mumasheya kuve kazhinji halal.

Pakati pemazano makuru akapihwa mumafuta aya, tinowana kudikanwa kwekusarudza kambani ine tsika, kusefa kwezvikamu zvisiri pamutemo (doro, zvombo, nezvimwewo), kusabatanidzwa kwemaitiro anoenderana nemubereko, kana kunyange chisungo chekubhadharisa zakat pa. dividends uye purofiti.

Kana idzi dziviriro dzichiremekedzwa, mari mumusika wemasheya unogona saka kusimbiswa uye kukurudzirwa. Vamwe vanotozviona senzira yekusimudzira hupfumi chaihwo uye kuunza humwe hutsika nekuda kwesimba reMuslim investers. Kutora chikamu mumisangano mizhinji uye mavhoti evagovani kunokurudzirwa zvakare.

Mukupedzisa

Mukupedzisa, zvinogoneka kune muMuslim kuisa mari mumusika wemasheya tichiremekedza misimboti nehunhu hweIslam. Kunyangwe mamwe maficha emari yemazuva ano asingaenderane neSharia, sarudzo dzakawanda dziripo kune ane ruzivo investor.

Nekusarudza Sharia-inopindirana yakaongororwa masheya uye mari, kudzivirira riba munzira dzayo dzese, kungwarira fungidziro, uye nekungwarira kubhadhara zakat yavo, chero muMuslim anogona. gadzira mari ye halal pamusika wemasheya.

Sezvinobvumwa, izvi zvinoda tsvakiridzo yakawandisa pane yekuisa mari kuti usarudze zvinhu zvakakodzera uye zviri pamutemo. Asi nhamburiko yacho yakafanira kuva norugare rwendangariro uye kwete kupokanidza zvitendero zvomunhu zvorudzidziso.

Nehurongwa hwakakodzera, saka zvinotenderwa zvachose uye zvinotokurudzirwa wedzera mari yako yawakachengeta kuburikidza nemusika wemasheya. Kure nekurambidzwa kubhejera, inogona kuve sosi yemari yetsika uye chirongwa chinogutsa. Usazeza kutanga, uye Dai Allah vakutungamirire mukudyara kwako !

Muchikamu chino, Finance de Demain sezvaanogara achiita kutenderera kukupa maonero ake pa sei kuisa mari mumusika wemasheya semuslim. Asi usati waenda, heino maitiro invest in real estate nhanho nhanho.

FAQ

Mubvunzo: Kuisa mari mumusika wemasheya kunotenderwa muIslam?

R: Hongu, kudyara mari kunowanzo kutenderwa chero bedzi ichiremekedza misimboti yezvemari yechiIslam: hapana kufarira kana fungidziro, kudyara muhupfumi chaihwo.

Mubvunzo: Ndeapi maitiro ekusarudza halal stocks?

R: Izvo zvinodikanwa kuongorora chiitiko chekambani uye kuona kuti haiburitse iyo yakawanda yekuchinja kwayo muchikamu chedoro, fodya, zvombo, zvinonyadzisira, nezvimwe.

Mubvunzo: Migove inobhadharwa nemakambani inobvumidzwa here?

R: Hongu, mibairo inotenderwa chero ichibva muhutsika uye isingafungidzire chiitiko chehupfumi.

Mubvunzo: Unogona kuisa mari mune chero stock index?

R: Mamwe ma indices akafara kwazvo haaite kuti zvibvire kusefa makambani asingatevedzere mutemo weSharia. Zviri nani kunanga maIslam indices kana mari inowirirana.

Mubvunzo: Pane mari yakaiswa mumasheya inoenderana nemari yeIslam?

R: Ehe, mari yakawanda uye yakawanda iri kupa mafirita ekudyara anoenderana nemutemo weSharia. Vanomiririra mhinduro inoshanda.

Mubvunzo: Iwe unofanirwa kubhadhara Zakat pakudyara kwako mumasheya?

R: Ehe, kana wakabata masheya kweinenge gore, kukosha kwavo kuri pasi peZakat zvinoenderana nekuverenga kwakafanana nemabhangi ebhangi.

Usazeze kana uine mimwe mibvunzo nezve halal stock market investing!

Tisiye mhinduro