Kutheni uhlalutya kwaye uqonde ibhanki yamaSilamsi?

Ngokuchithwa kweemarike, ulwazi lwezemali lu ngoku kusasazwa kwihlabathi jikelele nangexesha lokwenyani. Oku kwandisa inqanaba loqikelelo olukhokelela kuguquko oluphezulu kakhulu kwiimarike kwaye luveze iibhanki. Ngoko, Finance de Demain, iphakamisa ukuzisa kuwe izizathu zokuba kutheni kuyimfuneko ukuhlalutya kunye nokuqonda ibhanki yamaSilamsi ukuze utyalo-mali olungcono.

Kodwa ukuqala, nazi ezinye Ingcebiso kunye neqhinga lokudala kunye nokuphuhlisa nto leyo eya kukuvumela ukuba uphuhlise ngokulula kakhulu inkampani yakho okanye ishishini lakho.

🌿 Kutheni imali yamaSilamsi?

Ingxaki yezemali ye-2008, imbangela yayo yayiyingcamango, yenza ukuba kube lula ukuqonda ukuba inkqubo yezemali yehlabathi iye yacaca kakhulu kwaye inobuchule. Naziphi na iindlela zolawulo eziya kunyanzeliswa kuyo ukuze kuthintelwe iingxaki ezinokwenzeka, uya kuyila iindlela zokuyirhawula.

Nangona kunjalo, iibhanki ezibizwa ngokuba ngamaSilamsi ziye zasinda ngokungummangaliso kule ngxaki. Oku komelela kunokuchazwa yinyaniso yokuba, ngokwethiyori, abazenzi umdla kwaye musa ukuqikelela.

Okokuqala kufuneka kuthiwe ukufakwa kwemali kuqoqosho yinxalenye yeziphumo ezithe ngqo zokudityaniswa kwezemali. Oku kudityaniswa kwehlabathi kuzise inguqu emandla kwifilosofi nakwinkqubo yezemali yeshishini.

Oku kudityaniswa kwezimali kwehlabathi, okuphawulwa kukufuna ingeniso ngokusisigxina, ngokucacileyo kubandakanya ukwenziwa kwamazinga enzala, uqikelelo kunye nokuthengiswa kweempahla ezihlala zingoonobangela abaphambili bentlekele yezemali ka-2008.

Ngoko ke, ngoku sifuna inkqubo yezemali ibeke abantu kumbindi wezoqoqosho kwaye ayisenguye lowo usebenzisa uMntu njengesixhobo kwinkonzo yoqoqosho.

Ngamanye amazwi, ihlabathi lifuna inkqubo yezemali eneenqobo ezisesikweni nenoxanduva loluntu. iyakwazi ukunciphisa ukungabikho kobulungisa nokungalingani kwezemali.

Imali yamaSilamsi, ukuba kuphela kwinqanaba lethiyori, izalisekisa zonke ezi meko. Yena u "uxanduva" lwezemali ekubeni isekelwe kwintlonelo engqongqo kwimigaqo yomthetho wamaSilamsi.

Izibonakalisa njengesebe loqoqosho lwamaSilamsi, ijolise ekusekeni ucwangco lwezoqoqosho oluhambelana nobuSilamsi. Ngo-2008, iNkqubo yezeMali yamaSilamsi (IFS) yagqama ekulinganeni kwayo okuqhelekileyo ngokuxhathisa le ngxaki. 

Yiloo nto eyatsala ingqalelo yeengcali kunye nabaphandi abazibuza ngezizathu zokugonywa kwakhe. Enyanisweni, i-SFI ifuna ukuphinda ithathele ingqalelo uMntu njengomxhamli kwaye ayisekho njenge "ixhoba" lezemali.

Kungenxa yesi sizathu ukuba intlonipho yemigaqo yobulungisa boluntu, ubulungisa kunye nokungafihlisi kwishishini lelona xabiso ligcinwe kwaye likhuselwe yile nkqubo yezemali.

🌿 Izimali zamaSilamsi: yintoni umahluko xa kuthelekiswa nemali eqhelekileyo?

Izimali zamaSilamsi zikwahluka ekulinganeni kwayo ngombono wayo wemali eyinkunzi kunye nabasebenzi. Enyanisweni, izenzo zezoqoqosho kunye nezemali eziqhubekayo ngexesha loMprofeti uMuhammad zimkhonza ngokukodwa njengesiseko.

Enyanisweni, imali yamaSilamsi ibonakaliswe ngokuthintelwa komdla kunye noxanduva loluntu lotyalo-mali.

Ngelixa iibhanki eziqhelekileyo zifumana uninzi lomvuzo wazo kwinzala, leyo yee-BIs isekwe kwintlonipho yomgaqo wokwabelana ngenzuzo kunye nelahleko kwiikhontrakthi zenkxaso-mali ezisekwe phakathi kwebhanki namahlakani ayo.

Ukongeza, kukho iindawo zotyalo-mali ezithintelweyo yiSharia, oko kukuthi iHaram (ngokuchaseneyo ne halal).

umzekelo, imidlalo yamathuba, imisebenzi enxulumene notywala, ukufuya iihagu, izixhobo okanye ishishini lefilimu, njl.

Ukuqinisekisa ukuba utyalo mali intle, kukho ikhomishini yokulawula ngaphakathi kweebhanki. Le khomishini yolongamelo lotyalo-mali yenzeka ngokomgaqo ngeendlela ezimbini (02).

Indlela yokuqala yeyomntu ngamnye ngengqiqo yokuba wonke umSilamsi kufuneka angatyali imali yakhe kuyo imisebenzi engahambelaniyo ngonqulo lwakhe. Okwesibini liziko okanye umbutho.

Iibhanki kunye neemali zotyalo-mali zamaSilamsi zenziwe, ukongeza kwibhodi yabalawuli kunye nendibano kawonke-wonke, yolawulo lweSharia okanye ikomiti yeenqobo zokuziphatha ( Ibhodi yeSharia) amalungu alo azimeleyo.

Ngaloo ndlela, ukubamba iinkampani ezisebenza kwiindawo ezingekho mthethweni kubangela ukungamkelwa kwezi komiti.

🌿 Kutheni uhlalutya iibhanki zamaSilamsi?

Izimali zamaSilamsi lithuba lokwenyani lokubamba uzinzo olungcono lwenkqubo yezemali yehlabathi. Nangona kunjalo, amazwi athile aphikisanayo ayibona njenge " inkohliso" ezifihliweyo egameni lamaSilamsi.

Ngaloo ndlela, inkxalabo yangoku yile yolwazi.  Ngaba imali yamaSilamsi yi-Islamization yeendlela okanye i-Islamization yeziphelo?

Ezinye izinto eziyinyani zenza ukuba kube lula ukubuza imibuzo malunga nale nkqubo yezemali.

✔ ubedlala, Ngokucacileyo amazwe asemzini wamaSilamsi afana neSaudi Arabia abonakala edityaniswe ngakumbi kwinkqubo ye-neoliberal esekwe kuqikelelo kwaye arhaxwa kwintengiselwano yenzala.

Ngelixa kwakukholelwa ukuba iya kuphelisa ingxaki yezemali ekupheleni kuka-2008, ingxaki yeBhanki yeHlabathi yaseDubai iya kuvela.

✔ Okwesibini, Imisebenzi yebhanki yamaSilamsi kufuneka ihambelane nemigaqo yomthetho wamaSilamsi.

Ukungaphumeleli ukuthobela le migaqo kunokwenzeka ukuba kungcolise igama leshishini lilonke. Noko ke, iibhanki azisoloko ziyihlonela le migaqo yonqulo ngokwenza oko.

✔ okwesithathu, Inkqubo yezemali yamaSilamsi isafumana ubunzima obukhulu obunxulumene nolawulo lwayo.

I-BIs, ngenxa yezizathu zokuthelekisa iinkcazo zemali, zihlala zisebenzisa imigangatho ye-akhawunti ye-IFRS. Noko ke, le milinganiselo ayilungelelaniswa kubo ukuba sinamathela kwiinkalo zonqulo lwentengiselwano yabo yebhanki.

✔ Isine, Ibhanki yamaSilamsi ayijonganga kuphela imiqobo kunye nemingcipheko ethile, ngaphaya kweengozi zebhanki zemveli, kodwa iphakamisa imibuzo enzulu malunga nokugwetywa kwayo imbono yomdla enokunciphisa uphuhliso olunokubakho.

Ukujongana nale ntsilelo, banikezela ngeemveliso ezibiza kakhulu xa kuthelekiswa nezo zinikezelwa yi-CBs.

✔ Isihlanu, ubume bemali yeebhanki zamaSilamsi bubenza bathande ngakumbi iingxaki ze-arhente kunoogxa babo besiqhelo.

🌿 Kutheni incwadi ekuhlalutyweni kweebhanki zamaSilamsi?

Umnqweno wethu wokubhala incwadi kwiibhanki zamaSilamsi ulele uhlobo oluthile lwemisebenzi yabo. Abafuni nje ukuhlonelwa kwemigaqo yezemali, kodwa kunye nentlonipho yemigaqo yeSilamsi.

Ngapha koko, i-SFI ixhasa imali esesikweni nenoxanduva oluya kuzinzisa uqoqosho lwehlabathi.

Ukwenziwa kwezinto elubala nobulungisa kwezoshishino, ukulondolozwa kwendalo, ukuhlonelwa kwesidima somntu nokoyika uThixo, zezona zinto ziphambili kule nkqubo yezemali. Kungenxa yesi sizathu ukuba le ncwadi yohluke kwezo zikhoyo kwiibhanki.

🌿 Ibhalelwe oobani le ncwadi?

Le ncwadi yenzelwe abaphulaphuli abaninzi. Nabani na onomdla kwiimali zamaSilamsi uya kufumana kulo msebenzi imiba yeempendulo kwiinkxalabo malunga nokusebenza kunye nendlela yokulawula iinkampani zebhanki zamaSilamsi, iimveliso zezemali abazinikezelayo kunye neenkcukacha zeengxelo zabo zemali xa kuthelekiswa nezo zilinganisa zabo eziqhelekileyo.

Ukuze siyiqonde ngcono le ncwadi, sizame ukuzibeka endaweni yomntu osondela kwezemali yamaSilamsi okokuqala.

Ngale nto, injongo yethu ibikukuqaqambisa izinto ezifunyanwa ngabafundi okanye iingcali okanye kufuneka zifumane umdla kufundo okanye ukuziqhelanisa nezezimali zamaSilamsi.

Cofa apha ukuze uyithenge

Le ncwadi ihlelwe ngokwezahluko ezisixhenxe (07).

✔ Isahluko 1 inika izizathu zokukhetha umxholo. Ngaphambi kokubonisa ezi zizathu, sinikezela ngolwazi ngokubanzi malunga nohlalutyo lwemali yeebhanki.

✔ Isahluko 2 ibonisa ishishini lezemali lamaSilamsi lilonke. Ibonisa i-SFI ukusuka kwi-genesis ukuya kwimeko yayo yangoku, kubandakanywa nemigaqo yayo yokusebenza.

✔ Isahluko 3 ibonisa ukusebenza kweebhanki zamaSilamsi. Apha, sibonisa iintlobo zemingcipheko kunye neendlela zokulawula umngcipheko ezijongene neebhanki zamaSilamsi.

✔ Isahluko 4 inikezela ngolawulo lweenkampani zebhanki zamaSilamsi. Ichasene nolawulo lweenkampani zebhanki eziqhelekileyo ukuya kwiibhanki zamaSilamsi.

✔ Isahluko 5 ibonelela ngemithetho yogcino-zincwadi lwebhanki yamaSilamsi. Apha, sibonisa imigangatho kunye nobuchule beerekhodi zokubala ezisetyenziswa zii-BIs kwimisebenzi yazo yemihla ngemihla.

✔ Isahluko 6 inikezela ngeemveliso ezahlukeneyo zemali nezingezizo ezemali ezaziwa ngokuba intle ezinikezelwa ziibhanki Islamic.

Ukongeza, inika iindidi ngeendidi zeekhontrakthi (ikhontrakthi yezemali kunye nekhontrakthi yokuthatha inxaxheba ngokukodwa) ezinikezelwa zezi bhanki kunye nemida yazo ngokumalunga nentlonipho yemigaqo yezenkolo.

✔ Isahluko 7 ekugqibeleni inikezela ngeenkcukacha zeemali zeebhanki zamaSilamsi xa zithelekiswa nezo zilinganayo zazo eziqhelekileyo.

Nangona kunjalo, ukuba ufuna ukuthatha ulawulo lwemali yakho yobuqu kwiinyanga ezintandathu, ndincoma kakhulu esi sikhokelo.

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