Imigaqo yezeMali yamaSilamsi

Yeyiphi imigaqo yezeMali yamaSilamsi? Izimali zamaSilamsi zilawulwa ngumthetho wamaSilamsi, iSharia. Ihlonipha inani elithile lemithetho kunye nezithintelo. Yimali enemvelaphi yayo kwaye isusa undoqo wayo ngqo kwimithetho yenkolo. Ukuze ufunde ngcono ngale mali cinga ngeengongoma zayo eziphambili. Ngaloo ndlela, sisiphumo sempembelelo yonqulo ekuziphatheni okuhle, ngoko ukuziphatha okuhle ngomthetho, yaye ekugqibeleni umthetho wezoqoqosho ukukhokelela kwimali.

Kule nqaku, Finance de Demain ikwazisa ngemigaqo yezemali yamaSilamsi. Kodwa ngaphambi kokuba uqale, nantsi iprotocol ekuvumela ukuba wakhe eyakho ishishini lokuqala kwi-Intanethi. masihambe

🌽 Imithombo yomthetho wamaSilamsi

Ukuphendula umbuzo yeyiphi imigaqo esisiseko yeMali yamaSilamsi efuna ukuyiqonda imithombo yomthetho wamaSilamsi. Uqoqosho lwamaSilamsi lulonke lusekwe kwiKoran,owona mbhalo ungcwele wamaSilamsi. Lilizwi likaThixo elaxelelwa umprofeti uMuhammad sisithunywa uGabriyeli. Ngokwale ncwadi, uMprofeti ungumthetheleli onoxanduva lokudlulisela ilizwi likaThixo kuMntu. IQuran ke ngoko ngowona mthombo womthetho wamaSilamsi kwaye ithatha indawo yokuqala kubo bonke abanye. Imithombo yeSharia'a. Emva kwalo mthombo wokuqala okhoyo iKoran, iSunnah (iHadith) ngumthombo wesibini oyintloko womthetho wamaSilamsi.

Kubo bonke ubomi boMprofeti, amaSilamsi amcela ukuba acacise iindinyana ezithile kwiQuran ukuze aqhubeke ephila ngokuhambelana nomzekelo awawufundiswa nguThixo. Ukwenza oku, kwabhalwa iSunnah yoMprofeti. Luluhlu lwamagama, izenzo kunye nokuvunywa koMprofeti ngesiseko apho amaSilamsi anokuphefumlela ukuba achaze indlela yokuziphatha kunye nokuziphatha kwabo.

Njengomthombo wesibini womthetho wamaSilamsi, sigcina ukuvumelana (Ijma), ukuqiqa nge-analogy (Qiyas) kunye nokutolika (Ijtihad). Igama elithi Ijma lithetha " isivumelwano ngombuzo » kwaye ihambelana kwimeko yangoku kwisivumelwano esifikelelwe ngabaphathi bezomthetho abangamaSilamsi kwimibuzo ethile yomthetho okanye kwimeko ethile. I-Qiya ngumgaqo womthetho owenziwe ngokusekelwe ekutolikweni kwemeko entsha usebenzisa imithetho esele ikhona ngaphakathi kweQuran okanye iSunnah.

🌽 Izithintelo zemali yamaSilamsi

Yintoni i riba ?

Le riba ibhekisa kuko nakuphi na ukutyebisa ngokungekho mthethweni. Kuyo nayiphi na ingeniso yentsalela efunyenweyo ngaphandle kokunika inzame ebalulekileyo efana nenzala. Ii-Ulama ziye zahlula ubuncinane iintlobo ezintathu ze riba. Ngaloo ndlela, abatyali-mali bamaSilamsi bajongene imingeni emininzi kunye namathuba.

✔ Uhlobo lokuqala lwe riba : umdla

Inzala yimali egqithileyo ehlawulweyo okanye ibango ngokunxulumene nesixa sokuqala semali ekuhlawulweni kwayo. Ngumvuzo wemali-mboleko, ngokubanzi kwifomu yentlawulo yamaxesha athile ukusuka kumboleki ukuya kumbolekisi. Ngexesha likaMuhammad, uphuhliso lwe riba wadala iimeko zobukhoboka virtual kubaboleki abakwazi ukubuyisela. Yile ndlela ikhethekileyo yokuzicingela ukuba uMprofeti wayefuna ukwalela kuqala.

Umbono wamaSilamsi womdla ujoyina ezinye iinkolo ezininzi kunye nezikolo zokucinga. Ngokwenene, imvelaphi ye riba ifumaneka ekuqhubekeni kobuYuda, ubuKristu nobuSilamsi. Sele kwi IGrisi yamandulo, uAristotle (384 BC) wabiza inzala ecekisekayo, kuba imali yayidalelwe ukutshintshiselana, kungekhona ukuzisebenzela.

Isiko lamaJuda lisigxeka ngokucacileyo isiko lokuboleka imali ngenzala kwaye akuzange kube kwada kwabuya amandla eBhabheli apho kwakugunyaziswe khona, kodwa kwabangengawo amaYuda kuphela. ICawa yamaKatolika yona ekuqaleni yayiwuchaza ngokucacileyo lo mbandela. Phantsi kobunkokeli bothile UCalvin kwiXVI^th ngekhulu, isigunyaziso sanikwa amaProtestanti yaye emva koko olu qheliselo lwasasazeka kulo lonke ibutho lamaKristu.

Kumthetho wamaSilamsi, uthintelo lomdla lusemthethweni njengoko lusenza isiseko saso kumgaqo ocacileyo weKoran. Sura "Imfuduko", ivesi 6, ithi kufuneka sithintele iimpahla ukuba zingahanjiswa ezandleni zezityebi kuphela. Ngenxa yoko, iimali-mboleko zesinyithi (igolide, idayimani, isilivere) kunye neemveliso zokutya azivumelekanga. Olu hlobo lwe riba, eyeyona isasazeke ehlabathini namhlanje.

✔ Iqonga lesibinimna kwe riba : Intsalela eqokelelwe kwiimpahla ezithile

Intsalela yekhonkrithi ibonwa ngexesha lotshintshiselwano oluthe ngqo phakathi kweentlobo ezithile zeempahla zohlobo olufanayo (igolide, isilivere, imali, njl.njl.) nayo riba. Olu hlobo lwe riba yaziwa ngokuba ribâ al fadhl ou ribâ al bouyou.

✔ Uhlobo lwesithathu lwe riba : inzuzo ethile

Olunye uhlobo lwe riba wagwetywa ngaMaqabane kaMohamet ngale miqathango: "Nayiphi na imali-mboleko enika inzuzo (exhomekeke kumbolekisi ngokunxulumene noko ebekuqhubele phambili phambili) ibandakanya riba ". Ngokuphathelele ityala, uninzi lwamaziko ezoqoqosho lwamaSilamsi acebisa amalungiselelo okuthatha inxaxheba phakathi kwenkunzi kunye nabasebenzi.

Lo mgaqo wokugqibela uthatha umgaqo wamaSilamsi wokuba umboleki akafanele athwale zonke iindleko xa ebhanga, kuba " nguAllh othatha isigqibo malunga noku kubhanga, kwaye ifuna ukuba ifikelele kubo bonke abachaphazelekayo. " Yiloo nto amatyala aqhelekileyo engamkelekanga. Kodwa iindlela eziqhelekileyo zotyalo-mali ezinobungozi zisetyenziswa nakwizikali ezincinci kakhulu.

Nangona kunjalo, ayingawo onke amatyala anokuthathwa njengomngcipheko wotyalo-mali. umzekelo, xa intsapho ithenga indlu, ayityali mali kwishishini eliyingozi. Ngokufanayo, ukuthengwa kwezinye iimpahla zokusetyenziswa komntu siqu, njengeemoto, ifenitshala, njl.

🌽 Ukuthintelwa kokungaqiniseki (Gharar)

Le Gharar yenza isithintelo sesibini esikhulu kwimali yamaSilamsi. Ichazwa njengobume bezinto ezinokwenzeka ezinokungaqiniseki kunye nomngcipheko ofana nemidlalo yamathuba. Idibanisa iimeko apho ulwazi lungaphelelanga kwaye umxholo wekhontrakthi ubonisa umngcipheko kunye neempawu ezingaqinisekanga.

KwiQuran, i Gharar icatshulwe ngokucacileyo. La mabinzana alandelayo afumaneka kwiSurah 5, indinyana 90 neyama-91 : “ Owu nina nikholiweyo! Isiselo somdiliya, ukuvumisa ngezibilini zamaxhoba kunye nokuzoba amaqashiso (umdlalo wamathuba: Maysir) zizenzo nje ezingacocekanga ezenziwa nguSathana. Yiphephe! …Umtyholi ufuna kuphela ukuzisa imbewu yeyantlukwano phakathi kwenu ngobutshaba nentiyo esebenzisa iwayini nokungcakaza, nokunityekisa ekumbongozeni uThixo nomthandazo . Ngoko ngaba uza kuyiphelisa? ».

Nangona kunjalo, iimeko ezithile kufuneka zifezekiswe. Ukungaqiniseki okukhoyo kwikhontrakthi kufuneka kuqala kubaluleke kwaye kusekwe kwinto yokwenza isivumelwano sibe singasebenzi. Emva koko, ikhontrakthi kufuneka ibe yimvumelwano yamazwe amabini kwaye ingabi yecala elinye njengoko kunjalo kumnikelo okanye inkonzo yasimahla. Ekugqibeleni, i Gharar yamkelwa kwiimeko apho eyona njongo yekhontrakthi ingenako ukufezekiswa ngaphandle koku kungaqiniseki.

🌽 Ukuthintelwa kwamathuba (Qimar) kunye nentelekelelo (Maysir)

Kwi-FI, akuvumelekanga ukuba " Fumana imali kuphela ngokuboleka abanye. Kufuneka uthathe inxaxheba ngokwenene kwiprojekthi. Ukuba impumelelo yeprojekthi ixhomekeke kuphela kwithuba, kukho Maysir. Ngulo mgaqo othi, phakathi kwezinye izinto, ugcinwe ukubonisa oko intelekelelo akuvumelekanga kwimali yamaSilamsi. Eneneni, intelekelelo idla ngokuvela kuyingozi kakhulu. Injongo ayiyikuthatha inxaxheba kuqoqosho lwangempela, kodwa ukufumana imali ngokungenamkhethe, ngaphandle kokuba nomdla kwiprojekthi ngokwayo kunye nokusebenza kwayo kwangempela.

Uthintelo olukhulu lwesithathu kwimali yamaSilamsi ke ngoko Qimar (ithuba) et le Maysir (intelekelelo). Ezi ngcamango zimbini zinxulunyaniswa ngokusondeleyo nesalelo esikhulu sangaphambili, i gharar. Ngamanye amaxesha bade babhideke ngaphakathi kuncwadi. Enyanisweni, i Qimar idla ngokuchazwa njengobukho Maysir. Nangona kunjalo, umahluko kukuba Maysir ihamba kakuhle ngaphaya kwemidlalo yamathuba kuba ihambelana nalo naluphi na utyebiso olungenasizathu.

Ngokubanzi, zizalwa ngendlela yesivumelwano apho amalungelo amaqela kwikhontrakthi axhomekeke kwisehlo esingacwangciswanga.

🌽 Ukuthintelwa kotyalo-mali olungekho mthethweni

Ukuvalwa kokugqibela okukhulu kusekelwe kutyalo-mali olungekho mthethweni. Imali yamaSilamsi kufuneka ibe noxanduva loluntu. Yonke imisebenzi ayidalileyo u-Allah nazo zonke iingenelo eziphuma kuzo ichazwe njenge " halal ». Lo mgaqo ukhokelela ekuthintelweni kwenani elikhulu lamacandelo omsebenzi apho amaSilamsi kufuneka angatyali imali.

Ngokwembono yezemali, izinto ezisisiseko zalo naluphi na uhlobo lwezivumelwano kufuneka nazo zithobele iShariah. Izithintelo zeQuran abantu abaziphethe kakuhle inkxalabo, ngokwandisa, imiba yorhwebo.

🌽 Iimfuno zezemali zamaSilamsi

🌽 Umgaqo wokwabelana ngenzuzo kunye nelahleko (3P)

Imfuno yokuqala kunye neyona nto iphambili kwimali yamaSilamsi kukwabelana ngenzuzo kunye nelahleko. Enyanisweni, umgaqo wokulingana sisiseko sombono wezoqoqosho womthetho wamaSilamsi. Le mfuneko yemali yamaSilamsi ibonakaliswe njenge enye indlela yokwenza ukuzicingela ngokwakho okuyi haram. Enyanisweni, enye yezithintelo ze-FI kukuthintelwa komdla kuyo yonke imisebenzi yezoqoqosho neyemali. Abachaphazelekayo kumsebenzi webhanki banyanzelekile ukuba babelane ngeengozi kwaye ngoko ke inzuzo okanye ilahleko ukuze kuqinisekiswe umvuzo ovela kwiprojekthi yotyalo-mali.

Ngokubhekiselele kulo mgaqo, iFI ibizwa ngokuba " i-crowdfunding ". Lo mgaqo ukwathetha ukuba imiqathango yekhontrakthi kufuneka ixhamle onke amaqela ngokulinganayo. Yingakho kwiibhanki zamaSilamsi (IB) kukho izivumelwano zokuthatha inxaxheba ezisayinwe phakathi kwebhanki kunye nabaxhasi bayo. Ezi zivumelwano zivumela ii-BI ukuba zixhase ngemali ngokupheleleyo okanye inxalenye, kuxhomekeke kuhlobo lwekhontrakthi, iprojekthi yotyalo-mali eyenziwa ngumxhasi kunye nokuthatha inxaxheba kunye nabo kwinzuzo kunye nelahleko.

Xa usayina ezi zivumelwano, umlinganiselo wokungenelela kwinzuzo ezayo kunye nokulahlekelwa okunokwenzeka kwiqela ngalinye kufuneka kuchazwe ngokucacileyo. Kwezo zivumelwano, umxhasi ngumphathi weprojekthi ngokubanzi kwaye amaqela abelana ngaphandle kokukhetha ilahleko kunye neenzuzo ngokuhambelana namagatya ekhontrakthi, ngaphandle kwakwimeko yokungakhathali okanye Ubungqina bokungakhathali okugqithisileyo kwicala lomxhasi. Umgaqo we-3P useka ubudlelwane obutsha phakathi komtyalo-mali (ibhanki) kunye nomrhwebi (umthengi).

🌽 Tyala kwii-asethi ezibonakalayo

Imfuno yesibini ephambili yeIF yinkxaso yotyalo-mali kwi i-asethi ebonakalayo okanye Ukuxhasa iAsethi. Ngokwale mfuneko, zonke iintengiselwano zemali kufuneka zibandakanye ii-asethi zokwenyani ukuze zisebenze phantsi komthetho we-Sharia. Lo mgaqo we Ukuxhasa iAsethi yenza kube nokwenzeka ukomeleza amandla ngokwemiqathango uzinzo kunye nolawulo lomngcipheko kunye nokuqinisekisa uqhagamshelwano lwe ubume bemali ukuya kwinqanaba lokwenyani. Ngale mfuno, i-IF inegalelo kuphuhliso loqoqosho lokwenyani ngokudala umsebenzi wezoqoqosho ongenabungozi.

🌽 Iimfuno zobunini

Ukuthathela ingqalelo ubume bembono yepropathi yimfuno eqinileyo kumthetho wamaSilamsi. Enyanisweni, imfundiso yamaSilamsi awuvumelani nobukhapitali ekuthetheni kwakhe ukuba ipropathi yabucala ngumgaqo, okanye ngobusoshiyali xa ethatha ipropathi yesocialist njengomgaqo jikelele.

Ivuma ngaxeshanye iindlela ezahlukeneyo zobunini xa ithatha umgaqo wobunini obubini (impahla ngeendlela ezahlukeneyo) endaweni yaleyo yohlobo olulodwa lwepropathi olubonelelwa ngongxowankulu nobusoshiyali. Umnqweno wokuziphilisa, ukuphila kamnandi, nokuba nezinto zokuhombisa okanye zokuhombisa nokuzikhusela Ikamva elingaqinisekanga aliqwalaselwa njengobubi. Kunoko, uthi imiyalelo yakhe yindlela yokuphumelela kule ndawo ngaphandle kokuyithengisa ngenxa yokusilela kubomi basemva kokufa. IQuran ithi u-Allah okuphela komnini wazo zonke izinto ezisemazulwini nezisemhlabeni.

Indoda kodwa, ligosa lika-Allh kuphela emhlabeni. Unoxanduva loku ngayo, koko akuphathisiweyo. Ngokungafaniyo nehlabathi longxowankulu, ingcamango yepropathi ngokomthetho wamaMuslim yahlulwe yangamacandelo amathathu. Le yipropati yoluntu, ipropathi karhulumente kunye nepropati yabucala.

✔ Ubunini boluntu

KwiSilamsi, ipropathi yoluntu ibhekisa kwimithombo yendalo apho bonke abantu banamalungelo alinganayo. Ezi zixhobo zithathwa njengempahla eqhelekileyo. Le propati ibekwe phantsi kogcino kunye nolawulo lukaRhulumente, kwaye nawuphi na ummi unokuyonwabela, ukuba nje oku kungaphambanisi ilungelo labanye abemi kulo mhlaba. Ngokubhekiselele kushishino lwabucala lwepropathi yoluntu, iipropati ezithile ezifana namanzi, umlilo, amadlelo azinakwenziwa abantu babucala.

Isivakalisi se Mohammed ngokutsho kwaMadoda adityaniswa kule mimandla mithathu, yakhokelela abaphengululi ukuba bacinge ukuba ukuthengiswa kwamanzi, amandla kunye nomhlaba wezolimo akunakugunyaziswa. Ngokubanzi, ukwenziwa kwabucala kunye/okanye ukwenziwa ngokwelizwe kwepropathi kawonke-wonke ngumba wengxoxo phakathi kwemfundiso.

✔Impahla karhulumente

Lo mhlaba uquka izixhobo zendalo ezithile kwakunye nezinye iipropati ezingezizo inokuthengiswa ngokukhawulezas. Ipropati kwilizwe lamaSilamsi inokususwa okanye ingashukumi. Inokufunyanwa ngokoyisa okanye ngeendlela zoxolo. Iipropati ezingabangwanga, ezingahlali mntu okanye ezingenazo iindlalifa, umhlaba ongalinywanga (mawaf) inokuthathwa njengepropati karhulumente. Ngexesha lokuphila kukaMuhammad, isinye kwisihlanu sezixhobo ezithathwe kwintshaba kwindawo yedabi zazithathwa njengempahla karhulumente.

kunjalo, UMuhammad wathi: "Imihlaba yakudala kunye namadlelo yeka-Allh noMthunywa waKhe, ke yeyakho". Abagwebi benza isigqibo sokuba ekugqibeleni, ipropati yangasese ithatha indawo yokuqala kunepropati karhulumente.

✔ Ipropati yabucala

Kukho ukuvumelana phakathi kweejurists zamaSilamsi kunye neengcali zentlalo ukuba i-Islam iyaqaphela kwaye ikhuthaza ilungelo lomntu ngamnye kwipropati yangasese. IKoran isoloko ithetha ngeengxaki zokurhafiswa, ilifa, ukwalelwa kobusela nokuba semthethweni kwempahla. ISilamsi siqinisekisa ukukhuselwa kwempahla yabucala ngezohlwayo eziqatha kumasela. UMuhammad uthi lowo ufa ekhusela impahla yakhe ufana nomfeli-nkolo.

Iingcali zezoqoqosho zamaSilamsi zihlele ukufunyanwa kwepropathi yabucala ngokweendidi ezintathu: ngokuzenzekela, ngokwekhontrakthi okanye ngokwekhontrakthi. Xa ingeyokuzithandela, oko kuthetha ukuba loo mntu uzuze kwilifa, kwilifa okanye kwisipho. Inzuzo engeyiyo yekhontrakthi kukufumana uhlobo lokuqokelelwa okanye ukuxhaphazwa kobutyebi bendalo obungenabo. ngaphambili ibingabanikazi babucala. Nangona kunjalo, ukufumana ikhontrakthi kubandakanya imisebenzi efana nokuthengisa, ukuthenga, ukurenta, ukuqesha, ...

Nangona kunjalo, iijaji zeMaliki kunye noHanbali zixoxa ngelithi ukuba izinto zabucala zibeka emngciphekweni umdla woluntu, urhulumente unokumisela isixa sempahla yabucala yomntu. Kuphela le mbono ayikwabelwana ngayo, ixoxisana kwezinye izikolo zokucinga ngomthetho wamaSilamsi.

🌽 Iimfuno zokulingana

Ukuvalwa kwenzala kuqwalaselwe riba phakathi kwamaqela akwikontraka ijolise ekusekeni ukulingana ngokwenkolo, kwezentlalo noqoqosho.

✔️Ukulingana ngokwembono yamaSilamsi

I-Islam ingaphezu kwayo yonke into, ubulungisa, ukulingana kunye nokunyaniseka. Ngoko ke, phantsi komthetho weSharia, onke amakholwa ayalingana. U-Mohammed uthi akukho mntu unokubanga ukuba unguye ekholelwa ukuba akathandi umzalwana wakhe oko azithanda ngako. Yiyo loo nto i-Islam ithatha ukulobola njengesixhobo esikhuthaza ukuzingca. Kungenxa yoko le nto iindinyana ezinxulumene nokwalelwa kwayo kwiKoran zandulelwa ziindinyana ezininzi ezikhuthaza abantu ukuba basebenzisane, umanyano nothando. Ngokombono wethu, ukuthotywa kwemilinganiselo kuye kwathanda ukubonakala kweentsizi zomntu ngamnye, nakumazwe athuthukileyo.

Le nkqubela phambili amazwe ethu angqina ngayo, ishiya umntu engakhathali kumntu kwinqanaba lobudlelwane phakathi kwabantu. Ukuba amaSilamsi, ekukhuleni kwawo kwezoshishino, ebenokugcina undoqo wemigaqo yeKoran, oko bekuya kulinika ihlabathi isifundo esivakalayo.

✔️ Ukulingana kwezentlalo

Ukwalelwa komdla kukwajonge ukuseka ukulingana phakathi koluntu phakathi kwabo babambeleyo inkunzi kunye nalowo uyifezayo. Ukuqaphela intshiyekela kumnini wenkunzi, ngaphandle kokuba ivunywe kumsebenzisi wale mali, kuthetha inyhweba evunyiweyo kwinkunzi ngokunxulumene nabasebenzi. Isenzo somdla sibeka inkunzi embindini wokungalingani kwezentlalo. Nangona kunjalo, kumthetho wamaSilamsi, ubutyebi akumele bube ngumthombo wokungalingani kwezentlalo.

✔ Ukulingana kwezoqoqosho

I-Islam ifuna, ukuba kuphela kwinqanaba lethiyori, ukudala i-counterweight ekulawuleni izityebi. Ngokwembono yamaSilamsi, ubutyebi bobakaThixo, nokuba abantu ngabanye ngabanini.

Ngoko ke, ubutyebi akufunekanga bube ngumthombo wamandla ezoqoqosho. Kufuneka iqukuqeleke ngokuqhubekayo ngaphakathi kwesakhelo sento evunyelwe yiSharia kwaye kufuneka ichithwe ukunceda amahlwempu kwaye ibenze bakwazi ukufumana umvuzo.

🌽 Umgaqo wobulungisa

Ubulungisa ngumgaqo wokuziphatha ofuna intlonipho yomthetho nokulingana. Ubulungisa bezentlalo bufuna iimeko zokuphila ezinobulungisa kumntu wonke. Ukuba uyaguquka, ikomkhulu lakho liya kuba lelakho, ungalimazi mntu (ukuthatha ngaphezu kokuba unelungelo), kwaye aniyi kwenzakaliswa (ngokwamkela ngaphantsi koko ububolekise). KumaSilamsi, ukuthintelwa komdla kukwajolise kumgaqo wobulungisa. Le ngcamango yobulungisa inokuphononongwa kwiinkalo ezintathu: i-engile yenkolo, yezentlalo nezoqoqosho

✔️ Ubulungisa ngokwembono yamaSilamsi

Ukuba umSilamsi ufuna ukuzuza ngeendleko zomzalwana wakhe ngokusebenzisa inzuzo yakhe yokumphatha gadalala, wenza isenzo sokungekho sikweni. “Akukho bani unokuthi ulikholwa ukuba akathandi umzalwana wakhe oko azithanda ngokwakhe.” IQuran ifuna ukuphuhlisa phakathi kwamaSilamsi imvakalelo yokuba bonke bangaboluntu olunye oluthweswe umsebenzi. Nangona kunjalo, imali-mboleko ibonwa njengendlela esekelwe kuyo ukungabikho kokusesikweni, ukukhuthaza ukungavisisani nomoya wentiyo.

Yiyo loo nto enye yezinto eziphambili zomprofeti yayikukugxeka naluphi na uncedo olutsalwe ngokuthe ngqo okanye ngokungathanga ngqo kolu hlobo loqheliselo.

✔️ Ubulungisa boluntu

La ubulungisa kwezentlalo ikwasembindini weenkxalabo zamaSilamsi. Ukuthintelwa komdla ke ngoko kuya kweli cala. Ngamanye amazwi, ijonge ukuseka ubulungisa phakathi kwabanini-mali kunye nabo bangenelelayo ngomsebenzi wabo. Ukunqongophala kokuqaphela intshinga yenkunzi ngokunxulumene nabasebenzi ayikokuziphatha kuphela. Inene, olu hlobo lokuthathela ingqalelo lusikhokelela ekwehliseni amaxabiso oMntu kwaye sinyuse ixabiso lomcimbi. Ngaphaya kolu qwalaselo, kukho iimpembelelo ezithe ngqo kulwakhiwo loluntu.

Umdla ukhuthaza ukungafani kwezentlalo ngokuhambisa ubutyebi ngaphandle komngcipheko okanye intlungu, kwizandla zabambalwa. Oku kuqatshelwa kuchasene ngqo noko kubhengezwa yiKoran, ekwalela ukulawulwa kwabantu abadla bodwa.

✔️ ubulungisa kwezoqoqosho

Kwinkqubo yebhanki yesiqhelo, umbolekisi uzuza kwisixa esisekwe ngaphambili esimelwe yinzala. Kule meko, ngesivumelwano semali-mboleko, inkunzi kunye nabasebenzi zezomntu omnye kuphela ngubani umthathi oziphatha ngomngcipheko wakhe. Ngoko ke sinokuzibuza ukuba ngaba ngokwenene kukho ubulungisa ngokwembono yezoqoqosho kolu hlobo lwenkqubo. Ngokuba, ukuba inkunzi iyawohloka, ngumqeshi oya kuthwala uxanduva olupheleleyo.

I-Islam ithi ukuba umntu ufuna ukwenza umbolekisi athathe inxaxheba kwinzuzo efunyenweyo, kuyimfuneko kwangaxeshanye ukuba athathe inxaxheba. ilahleko umntu anokuyifumana. Yiloo nto ukubeka ibhalansi kwicala lombolekisi kuthetha intswela bulungisa. Nangona kunjalo, ukususela kumzuzu xa umnini we-capital ethatha inxaxheba kwinzuzo kunye nelahleko, akusekho umbuzo wemali mboleko kodwa yintsebenziswano yokwenene edibeneyo. islam iminxeba Mudaraba.

Kumthetho wamaSilamsi, ubutyebi abujongwanga ukuba bube ngumthombo wamandla ezoqoqosho, okanye ukuba bungashukumi. Ubutyebi kufuneka busetyenziselwe ukunceda abanye kwaye bubenze bakwazi ukufumana umvuzo. Oku kugxekwa kobuSilamsi kusikhokelela ekuqondeni ukuba ngeyona ndlela ingqalileyo yoncedo eyizakat, abo bafumana (amahlwempu, ababuthathaka, iinkedamas) banomda wokutya. Oku kutshintshelwa kobutyebi ke ngoko kuya kwandisa imfuno kwaye kuvelise uphuhliso loqoqosho ukusa kumlinganiselo othile.

🌽 Ukuhlawulwa kweZakat

IZakat, intsika yesithathu yamaSilamsi, zombini ziluxanduva lwemali, isenzo sokunqula kunye nelungelo likaThixo. Ibonelela ngomsebenzi ongundoqo ekuqaliseni umgaqo wolingano, ngokwabelana ngokutsha kobutyebi, ukusuka kwabazizityebi ukuya kwabasweleyo. Ngokwenyani, nawuphi na umSilamsi ovalelwe ixesha lonyaka wenyanga (hawl) ubutyebi obungaphezulu komda werhafu (nissab) 85 grams zegolide. Oko malunga ne-euro eyi-1500 namhlanje, kufuneka ukuba unikele nge-2,5% kwiinkedama, amahlwempu, ababaleki bemfazwe, njl.

I-Zakat ke ngoko kufuneka ihlalutywe njengomlinganiselo okhuthaza amaSilamsi ukuba atyale imali, ewatyhala ukuba akhulise imali yawo. Olu hlalutyo lukwaqinisekiswa lunyango olunyanzeliswa kwiSilamsi ekuqokeleleni imali, lubonwa njengokuswela ukholo ngokupheleleyo kangangokuba luphawu lokungazithembi kwikamva. THE IQuran ithi ukuba: " abo baqweba igolide nesilivere, bekude nokuba bayichithe endleleni kaThixo, babaxelele isohlwayo esibuhlungu ».

Ke, ngokusekwe kule migaqo yokuziphatha yomthetho wamaSilamsi, abagqugquzeli benkqubo yezemali yamaSilamsi bazimisele ukuseka imodeli entsha, ephethe iinqobo ezintle kwaye banike amaSilamsi kunye nabangengawo amaSilamsi amathuba asemthethweni okuxhamla kwiinkonzo zebhanki zanamhlanje ngokulandela " indlela kaThixo ". Nangona kunjalo, andinakukushiya ngaphandle kokukunika esi sikhokelo sokwandisa i-SEO yewebhusayithi yakho.

Kukuwe