Likarolo tsa Tsamaiso ea Lichelete ea Boislamo

Leha e laoloa ke melao-motheo e khethehileng ea bolumeli, Tsamaiso ea lichelete ea Boislamo e na le likarolo tse sa tšoaneng tse etsang hore e be tsamaiso e feletseng ka boeona. Libanka tsa Maislamo, lichelete tsa lichelete tsa boitšoaro, inshorense ea takaful esita le 'maraka oa interbank oa Boislamo kaofela ke batšoantšisi le lisebelisoa tse hlophisang lichelete tsa Boislamo.

Sena se ile sa hahoa e le mokhoa o mong oa lichelete tse tloaelehileng, tse nkoang e le tropo e inahaneloang le e khaotsoeng maemo a moruo. Sepheo sa eona ke ho hokahanya litefello tsa lichelete le matsete a boitšoaro, ha ho ntse ho hlompha litaelo tsa molao oa Boislamo (Sharia).

Sehloohong sena, re tla hlahloba likarolo tse fapaneng tsa tikoloho ea lichelete tsa Islamic. Re tla sekaseka karolo le lintlha tse ikhethang tsa e mong le e mong oa batšoantšisi bana.

Ha re ee !!

🌿 The Islamic Development Bank

The Islamic Development Bank (IDB) ke setsi sa lichelete sa machaba se bohareng ba tsamaiso ea lichelete ea Boislamo. E thehiloe ka 21 Rajab 1394 (August 12, 1974) Jeddah 'Musong oa Saudi Arabia.

E qalile mesebetsi ea eona ka molao ka Chaoual 15, 1395 (Mphalane 20, 1975). Sehlopha sa BID se entsoe ka mekhatlo e mehlano, e leng:

• IDB ka boeona,
• Setsi sa Boislamo sa Lipatlisiso le Koetliso (IIRF),
• Islamic Corporation for Private Sector Development (SIDSP),
• Khampani ea Inshorense ea Islamic bakeng sa Matsete le Likoloto tsa kantle ho naha (SIAICE),
• International Islamic Trade Finance Corporation (SIIFC).

Selemo sa lichelete sa IDB se ne se tsamaisana le selemo sa khoeli ea Hijri, empa ho tloha ka la 1 Pherekhong, 2016. Se ile sa fetoloa hore se tsamaellane le selemo sa letsatsi sa Hijri se qalang ka la 11 Capricorn (Pherekhong 1) le ho fella ka la 10 Capricorn (la 31 Tšitoe selemo se seng le se seng).

Leleme IDB ea molao ke Searabia. Empa Senyesemane le Sefora le tsona li sebetsa e le lipuo tse sebetsang. Karolo ea eona ea akhaonto ke dinar ea Mamosleme e lekanang le tokelo e khethehileng ea ho taka ea Letlole la Lichelete la Machabeng.

Ofisi ea hlooho le litsi tsa libaka

IDB e ikarabella ho Jeddah, 'Musong oa Saudi Arabia,' me e na le litsi tsa libaka tse leshome le motso o mong Abuja (Nigeria), Almaty (Kazakhstan), Ankara (Turkey), Cairo (Egypt), Dakar (Senegal), Dhaka (Bangladesh ), Dubai ( United Arab Emirates), Jakarta (Indonesia), Kampala (Uganda), Paramaribo (Suriname) le Rabat (Morocco).

Mission

Maikemisetso a IDB ke ho kgothaletsa ntshetsopele ya batho ka botlalo. E tsepamisitse matsapa a eona libakeng tsa bohlokoa tse kang ho fokotsa bofuma, ho ntlafatsa bophelo bo botle, ho khothaletsa thuto, ho ntlafatsa puso le katleho ea baahi.

litho

IDB e bohlokoa Linaha tse 57 tsa litho lefatshe ka bophara. Naha efe kapa efe e lakatsang ho ba setho e tlameha ho ba setho sa Mokhatlo oa Tšebelisano ea Maislamo (OIC). Joale ba tlameha ho lefa karolo ea pele ea karolo ea bona ea chelete le ho amohela lipehelo le maemo a behiloeng ke Lekhotla la Babusi.

motse-moholo

Nakong ea lilemo tse 38^th, Kopano ea selemo le selemo, Boto ea Babusi e lumelletse 5^th, keketseho e akaretsang ea motse-moholo, e leng se ileng sa lebisa ho 100 limilione tse likete Mekhatlo ea Maislamo chelete ea chelete e lumelletsoeng le limilione tse likete tse 50 ea motse-moholo e lokelang ho ngolisoa.

Ho latela qeto e tšoanang, Boto ea Babusi e ile ea lumella boipiletso ba karolo e lokelang ho fanoa tlas'a 4^th, keketseho e akaretsang. Qetellong ea selemo sa lichelete sa 2018, chelete e ngolisitsoeng ea IDB e fihlile ho limilione tse likete tse 50,2 ea dinara tsa Maislamo.

🌿 Mokhatlo oa Boikarabello le Tlhahlobo ea Lichelete oa Mekhatlo ea Lichelete ea Maislamo (AAOIFI)

Karolo ea bobeli ea tsamaiso ea lichelete ea Boislamo ke AAOIFI. AAOIFI ke mokhatlo o ikemetseng o sa etseng phaello o thehiloeng ka 1991 ke libanka tse 'maloa tse bohareng tsa Islamic.

Ho tsoaloa ha mokhatlo ona e ne e le karabelo ho tlhokahalo ea ho bapisa litlaleho tsa lichelete tsa libanka tsa Maislamo. Morero oa eona ke ho nts'etsapele melao le maemo a Maislamo ho accounting, auditing le puso ea koporasi.

Karolo eaAAOIFI

Ka ho khetheha, AAOIFI e ikemiselitse ho:

• hlahisa mokhoa oa ho nahana o lumellanang le Sharia, tlhahlobo ea libuka, puso le menahano ea boitšoaro;
• fafatsa mehlala ena ka liseminara, lingoliloeng, litlaleho, lipatlisiso, joalo-joalo;
• bopa maemo a accounting le auditing ka hare ho litsi tsa lichelete tsa Islamic, ho li lumellana le ho li hlalosa.

Ka kakaretso, sepheo sa mantlha sa AAOIFI ke ho tiisa le ho lumellana ha mekhoa ea lichelete ea Mamoseleme. Litekanyetso tseo e li thehang li bitsoa the Maemo a Boikarabello ba Lichelete (FAS).

Litekanyetso tsa accounting tsa Islamic

Ho hlahisa litekanyetso tsa likarabello tse ikhethileng ho li-BI, litho tsa AAOIFI li na le khetho lipakeng tsa mekhoa e 'meli e hanyetsanang ka hohle-hohle:

Ntlha ea pele, ba ka hlakola litekanyetso tsa lichelete tsa Bophirimela (litekanyetso tsa IFRS). Ka ho etsa joalo, ba itšetleha ka metheo le merero ea Boislamo ho nts'etsapele litekanyetso tse nepahetseng tsa accounting. Joale ba ka khona sekaseka litekanyetso litekanyetso tsa machaba tsa likarabello mabapi le moralo oa Islamic. Amohela tse loketseng lichelete tsa Islamic.

Ba theha maemo a lichelete feela haeba maemo a machaba a lichelete a lutse a khutsitse mabapi le tshwaro ya diakhaonto ya dintlha tse itseng tse itseng kapa a amohetse maikutlo a kgahlanong le melaomotheo ya IF.

🌿 The Islamic Financial Services Board (IFSB)

Karolo ea boraro ea bohlokoa ea tsamaiso ea lichelete ea Boislamo ke Litšebeletso tsa Lichelete tsa Boislamo Board (IFSB). E thehiloe ka 2002 ka sepheo sa ho netefatsa katleho le botsitso ba lichelete tsa Islamic.

Ka hona, sepheo sa eona ke ho nts'etsapele le ho ntlafatsa melaoana le litekanyetso tsa machabeng tse tsamaellanang le sharia. Sena ke ho khothaletsa ponaletso litšebeletsong tse fanoang ke lichelete tsa Islamic. Sepheo se seholo sa litekanyetso tse hatisitsoeng ke IFSB ke ho thibela le ho laola likotsi tse amanang le tšebeliso ea lihlahisoa tse tsoang licheleteng tsa Boislamo.

🌿 The International Islamic Fiqh Academy (IIFA)

Karolo ea bone ea tsamaiso ea lichelete ea Boislamo ke Sekolo sa Machaba sa Islamic Fiqh Academy (IIFA). Ke lekhotla la Sharia le kopanyang babuelli ba molao ba Mamoseleme bao e leng litho tsa Mokhatlo oa Seboka sa Mamoseleme.

Mosebetsi oa eona ke ho ithuta le ho theha maikutlo a molao (mafura) e ikemiselitseng ho sebetsa e le boemo bo tšoanang litabeng tsa moruo, lichelete le libanka.

IIFA e kopanya babuelli ba molao ba Mamoseleme ba nang le boiphihlelo haholo lefapheng la litšebelisano 'me ba ameha ka matla litabeng tsa sejoale-joale tsa moruo kapa tsa lichelete.

Mekhatlo e mengata ea lichelete ea Maislamo ka kakaretso e bitsa IIFA ka boto ea bona ea Shariah ho etsa bonnete ba hore melao ea bona ea ts'ebetso e lumellana le e fanoeng ke IIFA.

🌿 The International Islamic Financial Market (IIFM)

The International Islamic Financial Market (IIFM) ke mokhatlo o thehiloeng ka 2002 mme o thehiloe Manama, Bahrain. Sepheo sa eona ke ho tiisa le ho lumellana le mekhoa ea limmaraka tsa lichelete tsa Islamic linaheng tsa machaba.

Haholo-holo, IIFM e batla ho theha litekanyetso tse kopaneng litokomaneng tsa molao le lits'ebetsong tsa phano ho thusa ho etsa litšebelisano le meeli ea lihlahisoa tsa lichelete tsa Islamic. Mokhatlo o shebane le lisebelisoa tse 'maloa tsa bohlokoa tse kang sukuk (Bonds Islam) le ts'ebetso ea phapanyetsano ea kantle ho naha e lumellanang le Sharia.

Ho nts'etsapele litekanyetso tsena, IIFM e itšetleha ka tšebelisano lipakeng tsa batšehetsi ba ka sehloohong indastering ea lichelete ea Maislamo lefatšeng ka bophara. Libanka tse bohareng, barekisi ba sukuk, li-stock exchanges, lifeme tsa molao esita le balaoli ke bankakarolo botong ea mokhatlo.

Ka phatlalatso ea litataiso le likonteraka tse tloaelehileng tse ikamahanyang le lintlha tse tobileng tsa lichelete tsa Islamic, IIFM e ikemiselitse ho matlafatsa kopanyo le tumellano ea limmaraka tsa lichelete tsa Mamoseleme. Ketso ea eona e bohlokoa ho khothaletsa phallo ea chelete e tšelang meeli le khokahanyo ea tikoloho ena e ntseng e hola.

🌿 La Setsi sa Tsamaiso ea Liquidity (LMC)

Le Setsi sa Tsamaiso ea Liquidity (LMC) ke setsi se entsoeng ka 2002 tlas'a boeta-pele ba Banka ea Ntšetso-pele ea Boislamo. Sepheo sa eona ke ho thusa tsamaiso ea lichelete le kabo e nepahetseng ea lichelete bakeng sa libanka tsa Islamic le mekhatlo ea lichelete.

Ka 'nete, LMC e fana ka litharollo tse fapaneng ho thusa libapali tsa lichelete tsa Mamoseleme ho laola bokantle bo setseng le likhaello tsa bona. E ba fa ts'ebeletso ea ho hlakola lichelete lipakeng tsa libanka tsa Maislamo, ho etsa hore ho khonehe ho kopanya litlhoko.

Setsi se boetse se kentse mokhoa o ts'oanang oa taolo ea lichelete. Lichelete li behoa limmarakeng tsa lichelete tsa Maislamo, ka phaello le tahlehelo e arolelanoang pakeng tsa mekhatlo ea litho. Lisebelisoa tsa nako e khuts'oane tsa matsete li boetse li fanoa ho ntlafatsa phaello ea chelete e ngata.

Ka nako e ts'oanang, LMC e fana ka mekhoa ea nako e khuts'oane ea ho nchafatsa lichelete ho litsi tsa lichelete tsa Islamic tse tobaneng le mathata a lichelete. litlhoko tsa tšohanyetso tsa chelete. Ka lebaka la mekhoa ena kaofela, Setsi se bapala karolo e ntseng e eketseha ho ntlafatseng le ho nolofatsa taolo ea lichelete ka har'a lichelete tsa Islamic.

🌿 The International Islamic Rating Agency (IIRA)

International Islamic Rating Agency (IIRA) ke setsi sa maemo tekanyetso e khethehileng ea licheletetlhahlobisisong ea mekhatlo ea lichelete ea Boislamo.

E thehiloe ka 2005 'me e thehiloe Bahrain, sepheo sa IIRA ke ho fana ka lintlha tsa mokoloto hammoho le litlhahlobo tsa lichelete tsa libapali tsa lichelete tsa Islamic. E shebane haholo le tlhahlobo ea libanka tsa Mamoseleme, lik'hamphani tsa inshorense tsa takaful, lichelete tsa matsete a Mamoseleme le sukuk (litlamo tsa Islamic).

Setsi sena se sekaseka botsitso ba lichelete ba mekhatlo ena hammoho le ho latela melao ea Sharia (molao oa Maislamo). Litekanyetso tsa eona tsa mokoloto li tloha ho AAA bakeng sa libapali tse kotsing e tlase ho isa ho D bakeng sa ba sa sebetseng.

Litekanyetso le litlhahlobo tse hlahisoang ke IIRA li sebelisoa ke libapali tse fapaneng lefats'eng la lichelete tsa Islamic. Balaoli ba e sebelisa ho beha leihlo likotsi. Batseteli ba li ela hloko ha ba hlahloba menyetla ea matsete. 'Me mekhatlo e meng e tloaelehileng ea litekanyetso e itšetlehile ka eona ho utloisisa hantle lintlha tse khethehileng tsa lihlahisoa tsa lichelete tsa Maislamo.

Boleng bo eketsehileng ba IIRA bo ho eona tsebo e tebileng lintlha tse khethehileng tsa lichelete tsa Maislamo. Mokhoa oa eona oa ho etsa lintlha o kopanya lintlha tse itseng tse kang ho hlompha molao-motheo oa ho arolelana phaello le litahlehelo kapa ho behelloa ka thōko ha mesebetsi e sa lumellaneng le melao ea boitšoaro ea Mamosleme.

Ka kholo e ntseng e tsoela pele ea lichelete tsa Mamosleme lefats'eng ka bophara, karolo ea mekhatlo e fanang ka litekanyetso tse ikhethileng joalo ka IIRA e ikemiselitse ho hola ka bohlokoa. Ba etsa hore ho khonehe ho eketseha ponaletso le tshepo tsamaisong ena e 'ngoe ea lichelete.

🌿 Setsi sa Machabeng sa Boislamo sa Poelano le Khokahano (IICRA)

The International Islamic Center for Reconciliation and Arbitration (IICRA) ke mokhatlo oa machaba o thehiloeng Dubai. E thehiloe ka 2005 tlas'a tataiso ea Banka ea Ntšetso-pele ea Boislamo, e sebetsana ka katleho le lipuisano le ho rarolla liqabang tsa lichelete tsa Maislamo.

Morero oa IICRA ke ho fana ka lits'ebeletso tsa tharollo ea likhohlano tse tsamaellanang le melao-motheo le boleng ba lichelete tsa Islamic. Likarolo tsa hae tsa botsebi li akaretsa bokena-lipakeng likhohlanong tsa libanka tse amang mekhatlo ea lichelete ea Boislamo, litsekisano bakeng sa likhohlano tse amanang le litšebelisano tsa lichelete tsa Boislamo, empa hape le koetliso ea baahloli le bakena-lipakeng litabeng tsa lichelete tsa Boislamo.

Mokhatlo o boetse o ananeloa ka botsebi ba ona ba ho netefatsa likonteraka tsa lichelete tsa Maislamo ho latela melao ea Sharia. E boetse e theha lipehelo tse tloaelehileng tsa tharollo ea likhohlano, tse kopantsoeng le likonteraka tsa lichelete tsa libanka le mekhatlo ea lichelete ea Maislamo.

Thahasello ea IICRA ke ho fana ka litharollo tsa toka ea poraefete (bokena-lipakeng, phehisano) tse ikamahanyang hantle le lintlha tse ikhethang tsa lichelete tsa Islamic. Litšebeletso tsa eona li ipapisitse le boleng ba toka, melao ea boitšoaro le tumellano ea bolumeli tse ka pelong ea tsamaiso ena e 'ngoe ea lichelete.

Ka lebaka la boitseanape ba eona bo tebileng ba ho rarolla liqabang tsa lichelete tsa Mamosleme, IICRA ka lilemo tse 'maloa e fetohile letšoao la machaba sebakeng sena. E thehiloe Dubai, e behiloe ka mokhoa o hlophisehileng pelong ea e 'ngoe ea libaka tse etelletseng pele lefats'eng bakeng sa lichelete tsa Islamic.

🌿 Lekhotla la Libanka tsa Islamic le Mekhatlo ea Lichelete (CIBAFI)

The Council for Islamic Banks and Financial Institutions (CIBAFI) ke mokhatlo oa machaba o thehiloeng ka 2001 mme o thehiloe Bahrain. Morero oa eona ke ho khothaletsa le ho nts'etsapele indasteri ea litšebeletso tsa lichelete tsa Islamic lefatšeng ka bophara.

Haholo-holo, CIBAFI e sireletsa lithahasello tsa libanka tsa Mamosleme le mekhatlo ea lichelete. E boetse e batla ho matlafatsa tšebelisano lipakeng tsa bankakarolo le ho tsamaisa phapanyetsano ea tsebo le mekhoa e metle ka har'a lekala lena.

Mokhatlo o boetse o kenya letsoho ntlafatsong ea maano le melaoana ea sechaba e amanang le lichelete tsa Boislamo. E khothalletsa ho amoheloa ha maemo a thata a puso le taolo ea likotsi ke mekhatlo ea lichelete ea Maislamo.

Ho phethahatsa thomo ea eona, CIBAFI e sebelisa liketso tse ngata : mokhatlo oa likopano tsa machaba, phatlalatso ea lithuto le litlaleho tsa lipatlisiso, ho fana ka koetliso le mangolo a mangolo ho litsebi tsa lichelete tsa Maislamo.

Ka litho tse fetang 130 tse tsoang linaheng tse 34, CIBAFI e itlhomme kajeno e le moemeli ea ka sehloohong le mokhatlo oa boipiletso bakeng sa indasteri ea lefats'e ea litšebeletso tsa lichelete tsa Maislamo. E thehiloe Bahrain, e bohareng ba e 'ngoe ea litsi tse kholo tsa lichelete tsa Mamoseleme.

fihlela qeto e

Qetellong ea tlhahlobo ena, rea hlokomela hore lichelete tsa Mamosleme butle-butle li fumane tikoloho e phethahetseng le e hlophisitsoeng, e nang le batšoantšisi ba fapaneng ba sebelisanang ho fana ka lisebelisoa ho latela melao ea boitšoaro ea Mamosleme.

Libanka tsa khoebo, limmaraka tsa lichelete, inshorense ea takaful esita le lichelete tsa matsete a boitšoaro li etsa likarolo tse ka sehloohong tsa mokhoa ona o mong oa lichelete.

E ts'ehelitsoe ke mekhatlo ea maemo, taolo le tumellano ea Sharia, e theha sistimi e kopaneng e sebetsang ho latela melao-motheo ea ho arolelana phaello le tahlehelo, thibelo ea ribâ le lichelete tsa boitšoaro feela.

E susumetsoa ke tlhokahalo e ntseng e eketseha ea baahi ba Mamosleme empa hape ke a ho khahloa ke lichelete tsa boitšoaro Boemong ba lefats'e, lichelete tsa Islamic li lebelletsoe ho tsoela pele ho hola lilemong tse tlang. Re ka becha hore sistimi ea eona e tla tsoela pele ho matlafatsoa ho fana ka mokhoa o mong o tšepahalang ho feta oa lichelete tse tloaelehileng.