Nheyo dzeIslam Finance

Ndeapi misimboti yeIslam Finance? Mari yeIslam inotongwa nemutemo wechiIslam, Sharia. Inoremekedza imwe nhamba yemitemo uye zvinorambidzwa. Imari ine mabviro ayo uye inotora hunhu hwayo kubva pamitemo yechitendero. Kuti udzidze zviri nani nezve mari iyi funga nezvepfungwa dzaro dzinokosha.

Nokudaro, muuyo wepesvedzero yorudzidziso patsika, ipapo yetsika pamutemo, uye pakupedzisira yomutemo paupfumi kuguma nemari.

Muchikamu chino, Finance de Demain inokuzivisa iwe kumisimboti yezvemari yechiIslam. Asi usati watanga, heino protocol inobvumidza iwe kuvaka yako bhizinesi rekutanga reinternet.

handeyi

🌽 Mabviro emutemo wechiIslam

Kupindura mubvunzo ndedzipi nheyo dzakakosha dzeIslamic Finance kutsvaga kunzwisisa masosi emutemo wechiIslam. Hupfumi hwechiIslam hwakazara hwakavakirwa paKoran, iyochinyorwa chitsvene muIslam. Ishoko raMwari rakataurirwa kumuporofita Muhammad nengirozi Gabrieri.

Maererano nebhuku iri, Muporofita ndiye murevereri anoona nezvekufambiswa kweshoko raMwari kuMunhu. Naizvozvo Korani ndiyo manyuko makuru emutemo wechiIslam uye inokunda mamwe ese. masosi eSharia'a. Mushure meiyi yekutanga sosi iyo iri Korani, Sunnah (Hadith) ndiyo yechipiri manyuko emutemo wechiIslam.

Muhupenyu hwose hweMuporofita, maMuslim vakamukumbira kuti ajekese zvimwe zvikamu zveKorani kuti vakwanise kuramba vachirarama maererano nemuenzaniso wavakadzidziswa naMwari. Kuita izvi, maSunna eMuporofita akanyorwa.

Iro seti yemazwi, zviito uye kutenderwa kweMuporofita pahwaro hwekuti maMuslim vanogona kutora kurudziro yekutsanangura maitiro avo ehunhu uye maitiro avo.

Sechikamu chechipiri chemutemo weIslam, kubvumirana (Ijma), kufunga nekuenzanisa (Qiyas) uye dudziro (Ijtihad) Shoko Ijma zvinoreva kuti " chibvumirano pamubvunzo » uye inopindirana mune yazvino nyaya kune chibvumirano chakaitwa nevatongi vechiMuslim pane mimwe mibvunzo yemutemo kana pane imwe mamiriro.

Qiya mutemo wemutemo unogadzirwa pahwaro hwekududzirwa kwemamiriro matsva nekushandisa mitemo yagara iripo mukati meKoran kana Sunna.

🌽 Kurambidzwa kwemari yechiIslam

Chii chinonzi riba ?

Le riba zvichireva kupfumisa chero kusiri pamutemo. Kune chero mari yakasara inowanikwa pasina kupa basa rakakura senge mhindu. MaUlamaa vakasiyanisa mhando nhatu dze riba. Saka, vatengesi vechiMuslim vakatarisana matambudziko akawanda nemikana.

✔️ First form ye riba : kufarira

Mbereko ndiyo yakawandisa yakabhadharwa kana kukumbirwa pamari yekutanga pakubhadhara. Ndiwo mubairo wechikwereti, kazhinji uri muripo wenguva nenguva kubva kune anokwereta kuenda kumukweretesi.

Panguva yaMuhammad, budiriro ye riba akasika mamiriro ezvinhu euranda chaiwo kune vanokwereta vasingakwanisi kubhadhara. Ndiyo iyi yakasarudzika nzira yekuzvida iyo Muporofita aida kurambidza pakutanga.

Pfungwa yeIslam yekufarira inobatana nezvimwe zvitendero zvakawanda uye zvikoro zvekufunga. Chokwadi, kwakabva riba inowanikwa mukuenderera mberi kwechiJudha, chiKristu neIslam.

Atova mu Girisi yekare, Aristotle (384 BC) yakanzi kuita mhindu inosemesa, nokuti mari yakasikirwa kutsinhana, kwete kuzvibatira imene.

Tsika dzechiJudha dzinoshora zviri pachena tsika yekukweretesa mubereko uye haina kuzosvika pakudzoka kwesimba reBabironi kwayakatenderwa, asi kune vasiri maJuda chete.

Chechi yeKaturike, nokuda kwayo, pakutanga yakanga yakajeka zvikuru panhau iyi. Pasi pekukurudzira kwechimwe Calvin muzana remakore rechiXNUMX^fung zana remakore, mvumo yakapiwa vaPurotesitendi uye pashure pacho tsika yacho yakapararira kunzanga yose yechiKristu.

Pamutemo wechiMuslim, kurambidzwa kwemhindu kwakarongeka sezvo ichitora hwaro hwayo kubva pamusimboti wakajeka weKoran. Surah "Kubuda", ndima 6, inoti tinofanira kudzivirira zvinhu kuti zvisafambe zviri mumaoko evapfumi chete.

Nokudaro, zvikwereti zvesimbi (goridhe, diamond, sirivha), zvigadzirwa zvekudya zvinorambidzwa. Rudzi urwu riba, iyo yakapararira zvikurusa munyika mazuva ano.

✔️ Dare repiriini we riba : zvakasara zvakaunganidzwa pane zvimwe zvinhu

Iko kongiri yakasara inowonekwa panguva yekuchinjana kwakananga pakati pemamwe marudzi ezvigadzirwa zvemhando imwe chete (goridhe, sirivheri, mari, nezvimwewo) zvakare riba. Rudzi urwu rwe riba inozivikanwa se ribâ al fadhl ou ribâ al bouyou.

✔️ Chechitatu chimiro che riba : imwe mukana

Imwe fomu ye riba akashorwa neveMohamet Shamwari mumashoko aya: "Chero chikwereti chinopa mukana (zvichienderana nemukweretesi maererano nezvaakaita pakutanga) riba ".

Panyaya yezvikwereti, masangano mazhinji ehupfumi echiIslam anopa zano rekutora chikamu pakati pemari nevashandi.

Mutemo wekupedzisira uyu unotora musimboti wechiIslam wekuti mukwereti haafanire kutakura mari yese kana abhuroka, nekuti " ndiAllah vanosarudza kubhuroka uku, uye inoda kuti iwire kune vese vane chekuita nazvo”.

Ichi ndicho chikonzero zvikwereti zvakajairwa zvisingagamuchirwi. Asi zvakajairwa masangano ekudyara mari anoitwa kunyangwe pazvikero zvidiki kwazvo.

Nekudaro, hazvisi zvese zvikwereti zvinogona kunzi zvine njodzi zvimiro zvekudyara. Semuyenzaniso, apo mhuri inotenga imba, haisi kuisa mari mubhizimisi rine ngozi.

Saizvozvowo, kutengwa kwezvimwe zvinhu zvekushandisa wega, senge mota, fenicha, nezvimwe hazvigone kutariswa zvakanyanya sekudyara kune njodzi umo bhanga reIslam raizogovana njodzi uye purofiti.

🌽 Kurambidzwa kwekusava nechokwadi (Gharar)

Le Gharar inoumba yechipiri chikuru chinorambidza mumari yechiIslam. Inotsanangurwa sekusarongeka kwezvinhu zvinokwanisika izvo zvisina chokwadi uye zvine njodzi maitiro anoita kuti zvifanane nemitambo yemukana.

Zvinosanganisira mamiriro ezvinhu apo ruzivo rusina kukwana uye musoro wekondirakiti unopa hunhu hune njodzi uye husina chokwadi.

MuKorani, the Gharar inotaurwa zvakajeka. Mashoko anotevera anogona kuwanwa muSurah 5, ndima 90 ne91: “ Haiwa imi makatenda! Waini, kushopera nemukati mevakabatwa pamwe nekudhirowa mijenya (mutambo wemukana: Maysir) ingori chiito chisina kuchena chezvinoitwa naSatani.

Nzvenga! …Dhiyabhorosi anotsvaka chete kuunza pakati penyu mbeu dzokusawirirana kuburikidza noruvengo neruvengo kuburikidza newaini uye nokubhejera, uye kukubvisai pakudana kuna Mwari nemunamato . Saka uri kuzozvipedza here? ".

Zvisinei, mamwe mamiriro anofanira kuzadzikiswa. Kusavimbika kuri mukondirakiti kunofanirwa kutanga kuve kwechokwadi uye kudzika muchinangwa chekukanganisa kondirakiti.

Zvadaro, kondirakiti inofanira kunge iri chibvumirano chenyika mbiri uye kwete unilateral sezvazvinoita mupiro kana sevhisi yemahara. Pakupedzisira, the Gharar inogamuchirwa mumamiriro ezvinhu apo chinangwa chaicho chechibvumirano chisingagoni kuwanikwa pasina kusava nechokwadi uku.

🌽 Kurambidzwa kwemukana (Qimar) uye kufungidzira (Maysir)

MuFI, zvinorambidzwa " ita mari chete nokuikweretesa kune vamwe. Iwe unofanirwa kunyatsotora chikamu muchirongwa. Kana kubudirira kwepurojekiti kunoenderana chete nemukana, saka pane Maysir.

Ndiyo musimboti uyu uyo, pakati pezvimwe zvinhu, unochengetwa kuratidza izvozvo fungidziro inorambidzwa mumari yechiIslam.

Zvechokwadi, kufungidzira kunowanzobuda zvakanyanya ngozi. Chinangwa hachisi chekutora chikamu muhupfumi chaihwo, asi kuwana mari zvisina tsarukano, pasina kufarira purojekiti pachayo uye kuita kwayo chaiko.

Chechitatu chikuru chinorambidzwa mumari yechiIslam saka ndicho Qimar (mukana) bv Le Maysir (kufungidzira). Aya mafungiro maviri akanyatsobatanidzwa nekurambidza kukuru kwakapfuura, iyo gharar. Vanotombovhiringidzika mukati mezvinyorwa.

Muchokwadi, iyo Qimar inowanzotsanangurwa sekuva Maysir. Zvisinei, musiyano ndewekuti Maysir inodarika mitambo yemukana sezvo ichienderana nechero pfumisa isina kurongeka.

Zvakawanda, ivo vari muchimiro chekondirakiti umo kodzero dzemapato ekondirakiti dzinotsamira pane chimwe chiitiko.

🌽 Kurambidzwa kwekudyara zvisiri pamutemo

Kurambidzwa kukuru kwekupedzisira kunobva pakudyara zvisiri pamutemo. Mari yeIslam inofanirwa kuve nehanya nemagariro. Mabasa ese akasikwa naAllah uye zvese zvakanaka zvinoyerera kubva mazviri ndizvo zvinotsanangurwa se" halal ». Mutemo uyu unotungamira kurambidzwa kwenhamba huru yezvikamu zvebasa umo maMuslim havafanirwe kuisa mari.

Kubva pamaonero emari, izvo zviri pasi pemhando ipi neipi yezvibvumirano zvinofanirwawo kutevedzera Shariah. Kurambidzwa kweKorani tsika kunetseka, nekuwedzera, nyaya dzekutengeserana.

🌽 Zvinodiwa zveIslam mari

🌽 Iyo purofiti uye kurasikirwa kugovera musimboti (3P)

Chekutanga uye chinonyanya kudiwa mumari yeIslam ipurofiti uye kurasikirwa kugovana. Muchokwadi, musimboti wekuenzana ndiyo hwaro hwepfungwa yehupfumi yemutemo wechiMuslim. Ichi chinodiwa chemari yechiIslam chinounzwa sea imwe nzira yetsika yekufarira iyo iri haram.

Muchokwadi, chimwe chezvirambidzo zveFI kurambidzwa kwekufarira mune zvese zvehupfumi uye zvemari. Vane chekuita nemabhanga vanosungirwa kugovera njodzi uye nekudaro purofiti kana kurasikirwa kuitira kuti mubairo uve pamutemo unobva kupurojekiti yekudyara.

Nekutaura nezve musimboti uyu, IF inodaidzwa kuti “ crowdfunding ". Iyi nheyo inoreva zvakare kuti zvibvumirano zvekondirakiti zvinofanira kubatsira mapato ose zvakaenzana.

Ichi ndicho chikonzero mumabhanga echiIslam (BI) mune zvibvumirano zvekubatana zvakasainwa pakati pebhangi nevatengi varo. Izvi zvibvumirano zvinobvumira maBI kuwana mari zvachose kana muchidimbu, zvichienderana nerudzi rwekondirakiti, chirongwa chekudyara chinoitwa nemutengi uye kutora chikamu navo mupurofiti uye kurasikirwa.

Pakusaina zvibvumirano izvi, huwandu hwekupindira mune ramangwana purofiti uye kurasikirwa kunobvira kwebato rega rega kunofanirwa kutsanangurwa zvakajeka.

Muzvibvumirano zvakadaro, mutengi anowanzo kuve maneja wepurojekiti uye mapato anogovana pasina kunze kwekurasikirwa uye purofiti zvinoenderana nezvirevo zvekondirakiti, kunze kwekunge panenge pasina hanya. zvakaratidza kusazvibata kwakakomba kune chikamu chemutengi. Iyo 3P nheyo inogadza hukama hutsva pakati pemushambadzi (bhangi) uye muzvinabhizimusi (mutengi).

🌽 Isai mari muzvinhu zvinobatika

Chechipiri chikuru chinodiwa neFI kutsigirwa kwekudyara ku chinhu chinobatika kana Asset Backing. Zvinoenderana nezvinodiwa izvi, zvese zvekutengesa zvemari zvinofanirwa kusanganisira midziyo chaiyo kuti ishande pasi peShariah.

Iyi nheyo ye Asset Backing inoita kuti zvikwanise kusimbaradza zvinogoneka maererano nekugadzikana uye manejimendi enjodzi uye kuve nechokwadi chekubatana kweiyo nharaunda yemari kune chaiyo sphere. Kuburikidza nezvinodiwa izvi, maFi anotora chikamu mukusimudzira hupfumi chaihwo kuburikidza nekusikwa kwekuita kwehupfumi husina njodzi.

🌽 Zvinodiwa pavaridzi

Kufunga nezve humbowo hwepfungwa yepfuma chinhu chakasimba chinodiwa mumutemo wechiIslam. Kutaura zvazviri, dzidziso yechiIslam haidaro haibvumirani ne capitalism mukutaura kwake kuti private property ndiyo musimboti, kana nesocialism paanoona socialist pfuma semusimboti mukuru.

Panguva imwecheteyo, inobvuma nzira dzakasiyana dzemuridzi kana yatora musimboti wehuviri huviri (pfuma nenzira dzakasiyana siyana) panzvimbo peiyo yemhando yakasiyana yepfuma iyo capitalism nesocialism inopa.

Kuda kuwana chouviri, kurarama zvakanaka, kunyange kuva nezvishongo kana zvekushongedza uye kuzvidzivirira kubva kune remangwana risina chokwadi harimbofungwa sezvinoita munhu akaipa.

Asi, anoti mirairo yake ndiyo nzira yekubudirira munzvimbo iyi pasina kuitengesa kuti ikundikane muhupenyu hwapashure. Korani inoti Allah ndiye iye muridzi wezvinhu zvose zviri kudenga nezviri panyika.

Murume wacho zvisinei, muchengeti waAllah chete panyika. Ane mhosva izvozvo, chezvaakapiwa. Kusiyana nenyika yemacapitalist, pfungwa yepfuma maererano nemutemo wechiMuslim yakakamurwa kuita mapoka matatu. Izvi zvinhu zvehurumende, midziyo yehurumende uye midziyo yakazvimirira.

✔️ Uridzi hweveruzhinji

MuchiIslam, pfuma yeruzhinji inoreva zviwanikwa izvo vanhu vese vane kodzero dzakaenzana. Zviwanikwa izvi zvinoonekwa sezvinhu zvakajairika.

Ichi chivakwa chinoiswa pasi pehuchengetedzo uye kutonga kweHurumende, uye chero mugari anogona kunakidzwa nazvo, chero izvi zvisingatyore kodzero dzevamwe vagari venzvimbo iyi. Panyaya yekubikiswa kwemidziyo yeveruzhinji, zvimwe zvivakwa zvakaita semvura, moto, mafuro hazviite.

Mutongo we Mohammed maererano neizvo Varume vanobatanidzwa munzvimbo nhatu idzi, zvakaita kuti nyanzvi dzifunge kuti kuchengetedzwa kwemvura, simba uye minda yekurima hakugone kubvumidzwa.

Semutemo wakajairika, kubikiswa uye/kana kugadzirwa kwenyika kwemidziyo yeruzhinji ndiyo nyaya yekukakavadzana mukati medzidziso.

✔️State property

Ichi chivakwa chinosanganisira zvimwe zviwanikwa pamwe nezvimwe zvisingaite inogona kukurumidza kuchengetedzwas. Zvivakwa zviri munyika yeIslam zvinogona kufambiswa kana kusafamba. Inogona kuwanwa nokukunda kana kuti nenzira dzine rugare.

Imba isina kutorwa, isina kugarwa kana isina vagari venhaka, ivhu risina kurimwa (mawaf) inogona kutorwa sepfuma yenyika. Munguva yehupenyu hwaMuhammad, chikamu chimwe muzvishanu chemidziyo yakatorwa kubva kumuvengi munhandare yehondo yainzi pfuma yenyika.

Zvisinei, Muhammad akati: “Nyika dzakare neminda dzakarimwa ndezvaAllah neMutumwa wavo, uye ndezvenyu”. Vatongi vemitemo vanotora mhedziso yekuti pakupedzisira, pfuma yega yega inotungamira pane pfuma yenyika.

✔️ private property

Pane kuwirirana pakati pevazivisi vemitemo vechiIslam nevanoongorora magariro evanhu kuti Islam inobvuma uye inokurudzira kodzero yemunhu papfuma yake. Korani inogara ichitaura nezvematambudziko emitero, nhaka, kurambidzwa kwembavha, pamutemo wepfuma.

Islam inovimbisa kuchengetedzwa kwemidziyo yega kuburikidza nezvirango zvakakomba kune mbavha. Muhammad anoti uyo anofa achidzivirira pfuma yake akafanana nemufiri kutendeka.

Nyanzvi dzezvehupfumi dzechiIslam dzakaisa kutorwa kwemidziyo yakazvimirira mumapoka matatu: kungoerekana kwaitwa, kwechibvumirano kana kusiri kwechibvumirano. Kana zvisingaite, zvinoreva kuti munhu abatsirwa nenhaka, nhaka kana chipo.

A non-contractual acquisition kutorwa kwemhando yekuunganidza kana kushandiswa kwezviwanikwa izvo zvisina. yakambove yakavanzika. Nekudaro, kutora kwechibvumirano kunosanganisira zviitiko zvakaita sekutengesa, kutenga, kurenda, kuhaya, nezvimwe.

Zvakadaro, vatongi vemitemo yeMaliki neHanbali vanopikisa kuti kana midziyo yakazvimirira ikaisa zvido zveveruzhinji munjodzi, hurumende inokwanisa kudzikamisa huwandu hwemidziyo yemunhu. Chete pfungwa iyi yekuona haina kugovaniswa, inokakavadzana mune zvimwe zvikoro zvekufunga kwemutemo weIslam.

🌽 Kuenzana zvinodiwa

Kurambidzwa kuita mhindu kwafungwa riba pakati pemapato ari muchibvumirano chinangwa chekumisa kuenzana mune zvechitendero, zvemagariro uye zvehupfumi.

✔️Kuenzana kubva pakuona kweIslam

Islam iri pamusoro pezvose, kururamisira, kuenzana uye kuvimbika. Naizvozvo, pasi pemutemo weSharia, vatendi vose vakaenzana.

Muhammad anoti hapana anogona kuzviti ndiye achitenda kana asingadi hama yake izvo zvaanoda iye pachake. Ichi ndicho chikonzero Islam ichitora mhindu sechombo chekusimudzira udyire.

Ndicho chikonzero nei ndima dzine chokuita nokurambidzwa kwayo muKoran dzichitangirwa nendima dzinoverengeka dzinokurudzira vanhu vamwe navamwe kubatira pamwe, kubatana uye rudo. Sekuona kwedu, kudzikisira kwehunhu kwafarira kutaridzika kwenhamo dzega, kunyangwe mukati menyika dzakabudirira.

Kufambira mberi uku kunopupurirwa nenyika dzedu, kunosiya munhu asina hanya nemunhu padanho rehukama pakati pevanhu. Kudai chiIslam, mukusimudzira kwacho, chaizochengeta zvinhu zvemisimboti yeKorani, chaizopa pasi rose chidzidzo chine mutsindo.

✔️ Kuenzana kubva pamagariro ekuona

Kurambidzwa kwechido kunovavarirawo kumisa mukati menharaunda kuenzana pakati peavo vanobata capital nevaya vanoita kuti iwane pundutso. Kuziva yakawedzera kumubati wemari, pasina kucherechedzwawo kumushandisi wemari iyi, inoumba rombo rakanaka rinocherechedzwa kuti mari ine chekuita nebasa.

Tsika yekufarira inoisa capital pakati pekusaenzana kwevanhu. Nekudaro, mumutemo wechiIslam, hupfumi haufanirwe kuve sosi yekusaenzana kwevanhu..

✔️ Kuenzana kubva pamaonero ehupfumi

Islam inotsvaga, kana chete padanho redzidziso, kugadzira chinopikisa kutonga kwevapfumi. Kubva pamaonero echiIslam, hupfumi ndehwaMwari, uye kuti vanhu ndivo vabati chete.

Pfuma haifaniri, naizvozvo, kuva manyuko esimba rezvemari. Inofanirwa kuyerera nguva dzose mukati mehurongwa hwezvinotenderwa neSharia uye inofanirwa kushandiswa kubatsira varombo uye zvakare kuvagonesa kuwana.

🌽 Nheyo yekururamisira

Ruramisiro ndiyo nheyo yetsika inoda kuremekedzwa kwemutemo nekuenzana. Ruramisiro yemagariro inoda mamiriro ekurarama akaenzana kumunhu wese.

 Kana ukatendeuka, guta rako richava rako, usakuvadza munhu (kutora zvinopfuura zvaunofanirwa nazvo), uye hamuzokuvadzi (nekugamuchira zvishoma pane zvamakweretesa).

Kune maMuslim, kurambidzwa kwechido kunonanganawo musimboti wekururamisira. Iyi pfungwa yekururamisira inogona kuongororwa kubva kumativi matatu: chitendero, magariro uye hupfumi

✔️ Kururamisa kubva pakuona kweIslam

Kana muMuslim akatsvaga kuwana nemubhadharo wehama yake nekutora mukana wekuda kwake kuti aite kushungurudzwa, ari kuita chiito chekusaruramisira. "Hapana munhu angazviti mutendi kana asingadi hama yake izvo zvaanoda iye pachake".

Korani inoda kukudziridza pakati pevaMuslim manzwiro ekuti vese ndevenharaunda imwechete inopihwa basa. Zvisinei, chimbadzo chinoonekwa senzira yakavakirwa pa kusaruramisira, kukurudzira kusabatana uye mweya weruvengo.

Ichi ndicho chikonzero chimwe chezvainyanya kukosheswa nemuporofita chaive chekushora chero rubatsiro rwakatorwa zvakananga kana zvisina kunanga kubva kurudzi urwu rwekuita.

✔️ Ruramisiro kubva pamagariro ekuona

La kururamisira kwevanhu zvakare iri pakati pekunetseka kweIslam. Kurambidzwa kwechido saka kunoenda munzira iyi.

Nemamwe mashoko, inotsvaka kumisa kururamisira pakati pevaridzi vemari nevaya vanopindira nebasa ravo. Kuipa kwekuona mari yakawandisa maererano nekushanda hakusi kwetsika chete.

Chokwadi, rudzi urwu rwekufunga runotitungamira kudzikisa kukosha kweMunhu uye kuwedzera kukosha kwenyaya. Kupfuura ichi checherechedzo, kune miuyo yakananga pachimiro chaicho chenzanga.

Kufarira kunosimudzira kusaenzana kwevanhu kuburikidza nekuisa hupfumi pasina njodzi kana kurwadziwa, mumaoko evashoma. Kucherekedza uku kunopesana zvakananga nezvinoziviswa neKoran, izvo zvinorambidza kutonga.

✔️ Kururamisa kubva pane zvehupfumi maonero

Muchinyakare chebhangi system, mukweretesi anobatsirwa kubva pamari yakagara yatangwa inomiririrwa nemubereko. Muchiitiko ichi, kuburikidza nechibvumirano chechikwereti, mari uye basa ndezvemunhu mumwe chete ndiani anotora anovabata nenjodzi yake.

Saka tinogona kushamisika kana paine kururamisira chaiko kubva pakuona kwehupfumi murudzi urwu rwekuita. Nokuti, kana capital yakashata, murondi ndiye achatora mutoro wakakwana.

Islam inotaura kuti kana tichida kuita kuti mukweretesi atore chikamu mune purofiti yakaitwa, isu tinofanira panguva imwechete kumuita kuti atore chikamu kurasikirwa kwatinoisa pangozi kutambura. Ichi ndicho chikonzero kuisa mari kudivi remukweretesi kuchireva kusaruramisira.

Nekudaro, kubva panguva iyo muridzi weiyo capital anotora chikamu mune purofiti uye kurasikirwa, haisisiri mubvunzo wechikwereti asi wekubatana kwechokwadi kubatana uko. islam inofona Mudaraba.

Mumutemo wechiIslam, hupfumi hahuna kuitirwa kuti ive sosi yesimba rehupfumi, kana kuti iite kuti isafambe. Pfuma inofanira kushandiswa kubatsira vamwe uye kuti vakwanisewo kuwana.

Uku kushorwa kweIslam kunotitungamira kuti tinzwisise kuti kuburikidza nenzira yakananga yerubatsiro inova zakat, avo vanogamuchira (varombo, vasina simba, nenhereras) vane katsika kekudya.

Kuendeswa kwehupfumi uku kwaizowedzera kudiwa uye kuunza budiriro yehupfumi kusvika pamwero wakati.

🌽 Kubhadhara kweZakat

Zakat, mbiru yechitatu yeIslam, zvese chisungo chemari, chiito chokunamata uye kodzero yaMwari. Inopa basa repakati mukuisa muzviito musimboti wekuenzana, kuburikidza nekugovewa patsva kwehupfumi, kubva kune vakapfuma kuenda kune vanoshaya.

Kunyanya, chero muMuslim akabata kwenguva yegore remwedzi (hawl) hupfumi huri pamusoro pemutero (nissab) 85 magiramu egoridhe. Ndiyo inenge 1500 euros nhasi, inodiwa kupa 2,5% kunherera, varombo, vapoteri vehondo, nezvimwe.

Saka Zakat inofanirwa kuongororwa seyero inokurudzira maMuslim kuisa mari, ichivamanikidza kuti mari yavo ikure. Kuongorora uku kunosimbiswawo nekurapa kunoitwa muIslam pahoarding, kunoonekwa sekushaikwa zvachose kwekutenda kusvika padanho rekuti chiratidzo chekusavimbika mune ramangwana.

Le Korani inoti kuti: " avo vanounganidza goridhe nesirivha, vari kure nekuishandisa munzira yaAllah, vanozivisa kwavari chirango chinorwadza ".

Nokudaro, zvichibva pamitemo yehutsika yemutemo wechiMuslim, vasimudziri vehurongwa hwemari hwechiIslam vanovavarira kumisa modhi itsva, inotakura hunhu hwakanaka uye ichipa maMuslim nevasiri maMuslim mikana iri pamutemo yekubatsirwa kubva kumabasa emabhangi emazuva ano nekutevera " nzira yamwari ".

Nekudaro, ini handigone kukusiya ndisina kukupa iyi gwara rekuwedzera referensi yewebhusaiti yako. Dzvanya apa kuti utore gwaro iri.

Zviri kwauri