Yintoni i-Islamic crowdfunding?

7 juin 2022 par UFaustin Djoufouet

Le iislamic crowdfunding inika ithuba elikhulu kubabolekisi, abatyali-mali kodwa noosomashishini abanegalelo kuphuhliso lwentlalo noqoqosho lwecandelo lamashishini amancinci naphakathi kumazwe amaSilamsi. I-Crowdfunding ngokuthe ngqo ithetha " i-crowdfunding ". Eli ligama elisetyenziswa kakhulu ukubhekisa kolu qheliselo lwezemali, kodwa ikwabizwa ngokuba " ukubuyiselwa kwemali okanye "isihlwele sabantu" eCanada.

Iinkokeli zeprojekthi zibiza abaninzi izixhobo zemali kuquka ukuthatha inxaxheba koluntu ukuxhasa ngezimali izimvo zabo, iinkqubo okanye iimveliso. Namhlanje, ezi fundraiser okanye ingqokelela zenziwa ngamaqonga ewebhu.   

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Ezi zokugqibela ziyinkxaso yokubeka ngokunxulumene kwelinye icala umtyali-mali kwaye kwelinye iprojekthi ekufezekiswa kwayo kuhlangabezana nemiqobo yenkunzi. Iitransekshini ke ngoko ziye zehliswe ngokupheleleyo kwaye aziphakathi.

Ngokuqinisekileyo, i-Crowdfunding ayithathi indawo yomrhumo wesintu okanye izisombululo zotyalo-mali, kodwa ithatha inxaxheba kuhlobo olutsha lolwahlulo malunga nokonga kunye notyalo-mali olunenzuzo.

Ngobubanzi, sinokubona ekuphuhliseni i-Crowdfunding intsingiselo yendalo kunye nesemthethweni kwimeko yehlabathi apho ukusetyenziswa ngokubambisana kunye nokuveliswa kwenxaxheba kudlala indima ebaluleke kakhulu. Unokufunda ngakumbi kwi abantu abaninzi apha.

Kweli nqaku, sithetha nge-Islamic crowdfunding.

Makhe siye

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Yintoni i-Islamic Crowdfunding?

Ukuxhaswa ngemali ngabantu abaninzi UbuSilamsi ngokwenkcazo lukhetho oluthobelayo lweShariah lwenkxaso-mali olubandakanya ukuxhasa ngezimali iprojekthi ngemali evela kwiqela labatyali-mali ngokuthanda umboleki ongumSilamsi nalapho unyuso lwengxowa-mali kunye notshintshiselwano olunxulumeneyo lwenziwa ngendawo yokuxhasa ngemali yamaSilamsi elandela imigaqo yamaSilamsi.

I-Crowdfunding yamaSilamsi Vs iNgxowa-mali eqhelekileyo?

Umahluko phakathi kwe-Islamic crowdfunding kunye ne-crowdsourcing eqhelekileyo njengoko kusenziwa kwilizwe laseNtshona ayinikwanga ngokusisiseko xa kujongwa iindlela ezisetyenziselwa ukunyusa imali: abatyali-zimali (isihlwele) igalelo kwinkxaso-mali yeprojekthi ngokwabelana ngeenzuzo kunye nelahleko kunye nomboleki okanye umququzeleli weprojekthi.

Umahluko obalulekileyo phakathi kwezi ntlobo zimbini ze-crowdfunding ulele kwezi zinto zilandelayo:

  • Ukungabikho komdla (riba) nge-Islamic crowdfunding ngelixa i-crowdfunding eqhelekileyo isebenza kunye namazinga enzala.
  • Ngelixa i-crowdfunding eqhelekileyo ijolise ikakhulu kwinzuzo. Ilandela ikakhulu iinjongo ezithobela iShariah ezikhuphela ngaphandle nayiphi na iprojekthi engekho mthethweni ebandakanya izinto eziqikelelwayo (iGharar) okanye ungcakazo.

I-Islamic crowdfunding is a isixhobo sokuxhasa ngemali ezinkulu kwizemali Islamic. Le ndlela ibalulekileyo yokubolekisa lutshintsho lokuqala ukususela ekuveleni kwezemali ezithobela iSharia.

I-crowdfunding ehambelana neSharia yi indlela yenkxaso-mali apho imali iqokelelwa kwinani labantu abasebenzisa iqonga elihambelana nemithetho yeSharia yamaSilamsi. Idibanisa abatyali-mali koosomashishini.

I-Islamic crowdfunding ilandela imigaqo yezemali yamaSilamsi. Ikhuthaza intsebenziswano phakathi kwenani elikhulu labantu ukuba batyale imali kwiprojekthi okanye kwishishini. Oku kuhambelana nomgaqo weSharia wokuba izibonelelo ezingaphezulu zikhutshelwa kumacandelo angenabutyebi.

I-Halal crowdfunding isandula ukufumana ukwamkelwa ngakumbi kwaye iya isiba ngakumbi nangakumbi isixhobo esibalulekileyo senkxaso-mali kwihlabathi lezemali lamaSilamsi. Kuba i-crowdfunding ibonelela ngenkxaso-mali esekwe ematyaleni, ityala libuyiswa ngenzuzo hayi inzala, nto leyo eyenza ukuba iShariah neHalal zihambelane.

Iintlobo zenkxaso-mali ekhethekileyo yamaSilamsi

I-Islamic crowdfunding ikakhulu iqulathe iindidi ezine zamaqonga:

  • I-Islamic crowdfunding.
  • I-crowdfunding yemivuzo yamaSilamsi.
  • I-Islamic crowdfunding.
  • Ukugcwala kwamatyala amaSilamsi.

A. Umnikelo-based Islamic crowdfunding

Kwimeko yomnikelo, abaxhasi banikela ngemali encinci kakhulu kwiprojekthi engenzi ngeniso okanye inyathelo lophuhliso lwentlalontle elifana nokuxhasa usapho ngonyango okanye ukwakha isikolo eAfrika okanye iphulo lobuqu elinjengokunyangwa komntu okanye amatyala onyango. .

B. Ukuxhaswa ngezimali okusekwe kwimivuzo yamaSilamsi

Abaxhasi banikela ngemali encinci yemali yomvuzo emva kokuba iprojekthi igqityiwe. Umvuzo yimveliso eveliswa yiprojekthi kwaye inokuba yihempe, iCD okanye imovie.

C. I-Crowdfunding yamaSilamsi

Ngeli xesha, abatyali-mali banikela ngeemali ezinkulu. Njengoko igama libonisa, ii-stock injectors ngokwenza utyalo-mali baba ngabanini-zabelo kwaye babelane ngenzuzo kunye nelahleko.

D. iTyala lamaSilamsi lokuCwathiswa kweNkxaso-mali

I-Sharia-compliant debt crowdfunding ibandakanya ababolekisi ababoleka imali kwaye balindele ukuhlawulwa kwinqununu kunye nenzuzo.

Iitrends kwi-Crowdfunding yamaSilamsi

I-Crowdfunding kungekudala iya kuba yindlela eyimfuneko kumazwe angamaSilamsi kunye ne-real estate crowdfunding yenye yezona ndlela zisebenzayo zotyalo-mali.

Au kuMbindi Mpuma nakwiMpuma Ekude, inani lamaqonga azibonakalisi njengezithuthi ezihambelana ne-sharia, kodwa oomatshini bemodeli yabo yeshishini bahambelana ngokusondeleyo nemithetho yezemali yamaSilamsi.

Abapheki beencwadiibhonasiBetha ngoku
ibhonasi : de €1950 + 150 free spin
💸 Uluhlu olubanzi lwemidlalo yoomatshini bokungcakaza
🎁 Ikhowudi yokuthengisa : 200euros
ibhonasi : de €1500 + 150 free spin
💸 Uluhlu olubanzi lwemidlalo yekhasino
🎁 Ikhowudi yokuthengisa : 200euros
IMFIHLO 1XBETibhonasi : de €1950 + 150 free spin
💸 Uluhlu olubanzi lwemidlalo yoomatshini bokungcakaza
🎁 Ikhowudi yokuthengisa : WULLI

I-Islamic crowdfunding ayithethi nje iingxaki zabahlali bamaSilamsi kuba luhlobo olusesikweni lwenkxaso-mali olugxile kumaxabiso kunye nokuziphatha okunjengophuhliso lwentlalo. Islamic-crowdfunding.com ukukhethele awona maqonga angcono anikezelwe kwiSharia ethobela i crowdfunding.

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UFaustin Djoufouet Umphandi ongutitshala
NdinguGqirha kwezeMali kunye neNgcali kwezeMali yamaSilamsi. Umcebisi wezoShishino, ndikwanguTitshala-uPhando kwiziko eliPhezulu lezoRhwebo noLawulo, eBamenda weYunivesithi. Umseki weQela Finance de Demain kunye nombhali weencwadi ezininzi kunye namanqaku enzululwazi.