Imiba ephambili yeMali yamaSilamsi

Kuluvuyo lokwenene ukukubona kwakhona kule bhlog. Wamkelekile ngamaxesha onke. Namhlanje ndingathanda ukwazi ukuba ungumthandi wezezimali wamaSilamsi. Ukuba ewe, ukwindawo eyiyo; kungenjalo funda kude kube sekupheleni. Ndakubonisa iikhonsepthi zemali yamaSilamsi. Ezi ngcamango zingundoqo ziya kukuvumela ukuba wazi iziseko zemali yamaSilamsi.

Ndincoma ukuba ufunde kude kube sekupheleni. Nangona kunjalo, ukuba ufuna ukuthatha ulawulo lwemali yakho yobuqu kwiiveki nje ezi-6, Ndikunika esi sikhokelo sisebenza kakuhle. Kodwa ngaphambi kokuba uqale, nalu uqeqesho olukuvumela ukuba wenze Fumana i-1000euros / ngosuku kwi-5euros.com.

Iingcamango ezingundoqo ze-49 zezemali zamaSilamsi

➤ Al-Ajr

Ibhekisa kwikhomishini kwimirhumo okanye kwi-invoyisi yomvuzo ngeenkonzo ezinikezelweyo. 

➤ Al Rahn Al

Lulungiselelo apho i-asethi exabisekileyo ibekwa njengesibambiso setyala. Iwaranti inokudluliselwa xa kukho isiphene.

➤ Al Wadia

Kukuthengiswa kwakhona kweempahla ngesaphulelo kwixabiso elichazwe ekuqaleni. 

➤ Amana/Amana

Ngokoqobo u-Amana ubhekisela kukuthembeka, ukunyaniseka, ukunyaniseka. Ngokobuchwephesha: ixabiso elibalulekileyo loluntu lwamaSilamsi kubudlelwane obulinganayo.

Eli gama likwabhekiselele kwiidiphozithi ze-escrow. Umntu unokubamba ipropati egameni lomnye, ngamanye amaxesha ngokulandela isivumelwano. 

➤ Bai al Dayn

Le yinkxaso-mali yamatyala. Oko kukuthi, ukunikezelwa kwezibonelelo zemali eziyimfuneko kwimveliso, urhwebo kunye neenkonzo ngendlela yokuthengisa / ukuthengwa kwamaxwebhu orhwebo.

I-Bai al-Dayn liziko lexesha elifutshane elinokukhula okungadlulanga kunyaka omnye. Kuphela ngamaxwebhu amele amatyala avela kwiintengiselwano ezinyanisekileyo zorhwebo anokuthethwathethwano. 

➤ IBai Al-Arboon/'Arbun

Kuyinkontileka yokuthengisa apho idiphozithi yokhuseleko yenziwa kwangaphambili kwintlawulo engaphelelanga yexabiso lezinto ezithengiweyo. Le diphozithi igcinwa ukuba umthengi uyasilela ukuhlangabezana nezibophelelo zakhe. Le khontrakthi ifana nenketho yokufowuna yakudala.

➤ Bai Bithaman Ajil

Sisivumelwano sokuthengiswa kweempahla kunye nentlawulo erhoxisiweyo. Ibhanki ithenga izinto eziyinkunzi okanye izinto ezithengiweyo ezicelwe ngumthengi ize emva koko izithengisele yena kwakhona ngexabiso ekuvunyelwene ngalo, kunye nomda wengeniso yakhe.

Umthengi unokuhlawula ngezavenge ezininzi kwixesha elichazwe kwangaphambili, okanye kwintlawulo enye. Le khontrakthi iyafana nekontraki yaseMurabaha kodwa ngentlawulo erhoxisiweyo. 

➤ I-Bai Muajjal (ikhontrakthi yentlawulo emisiweyo)

Sisivumelwano esibonelela ngokuthengiswa kweempahla kunye nentlawulo erhoxisiweyo. Ibhanki okanye umboneleli oyinkunzi uthenga iimpahla (ii-asethi) egameni lenkampani. Ibhanki emva koko ithengisela umthengi izinto ngexabiso ekuvunyelwene ngalo kunye nomda wengeniso.

Inkampani inokuhlawula ibhalansi epheleleyo ngomhla olandelayo okanye yenze intlawulo yezavenge kwixesha elichazwe kwangaphambili. Le khontrakthi ifana nekhontrakthi ye-Murabaha kuba ikwayintengiso yekhredithi. 

➤ Le Bai/Bay'

Ligama elithetha ukuthengisa. Isetyenziswa njengesimaphambili xa kubhekiswa kwiindlela ezahlukeneyo zenkxaso-mali yamaSilamsi. Bai al-Dayn umzekelo.

➤ Baitul Mal

Yingcamango ebhekiselele kwimali

➤ Shariah

Yiseti yeetekisi ezilawula ubomi bomSilamsi. Ngumthetho wamaSilamsi othatyathwe kwimibhalo engcwele yeKoran neSunnah.

➤ Ukuthobela iSharia 

Luphawu lotyando oluthathwa luthobela iShariah.

➤ IKomiti yokuThobela iShariah (iBhodi yeSharia)

Yikomiti yeengcali kumthetho wamaSilamsi enika iingcebiso kwiziko lezemali lamaSilamsi kuphuhliso lweemveliso ezihambelana neSharia. 

Ikwaqinisekisa ukuba imisebenzi eyenziwa yibhanki ithobela umthetho weSharia. Ngaphezu koko, ukuze ungahambi ngaphaya kwemida yeli nqaku, jongana nenqaku lethu kuMandla kunye nobuthathaka boLawulo lweSharia kwiBhanki yamaSilamsi.

➤ ICoron

Ingumbhalo ongcwele kwiSilamsi. Idibanisa ngokohlobo lweesura kunye neendinyana izityhilelo ezenziwa nguThixo kumprofeti uMohammad ngengelosi uGabriyeli malunga neminyaka engamashumi amabini (612-632 AD).

Kwikholwa lamaSilamsi, iKurani kukukhanya kobomi. Kungenxa yoko le nto lo mbhalo uthathwa njengomthombo wokuqala womthetho wamaSilamsi.

➤ Ngomhla

I-Dayn ligama letyala kwimali yamaSilamsi. La matyala akananzala.

➤ IDirham

Yiyunithi yemali, idla ngokuba yingqekembe yesilivere, eyayisetyenziswa ngaphambili kumazwe aliqela amaSilamsi kwaye isethenda esemthethweni kwamanye ala mazwe, anjengeMorocco kunye ne-United Arab Emirates.

➤ fatwa

Luluvo, uluvo oluvakaliswa ziingcali kumthetho wamaSilamsi. 

➤ fiqh

Le yimithetho yamaSilamsi. Ikwabizwa ngokuba yinzululwazi yeSharia. Ngumthombo obalulekileyo woqoqosho lwamaSilamsi. 

➤ Gharar

Ibhekisa ekungaqinisekini. Lo ngomnye wemithintelo emithathu esisiseko kwimali yamaSilamsi. I-Gharar sisiphumo esingaqinisekanga esibangelwa yimiqathango engaqondakaliyo enxulumene nezivumelwano zokutshintshiselana phambili. 

➤ Hadith

Eli libali; Ingxelo yembali yegama, isenzo, isenzo, ukusilela, ukuvunywa koMprofeti uMuhammad.

➤ Haram

Luphawu lwento yonke engekho mthethweni. Nantoni na engekho mthethweni ayivumelekanga ngoko ke ayivumelekanga.

➤ isiHawayi

Ngokwenyani eli gama lithetha ibhili yotshintshiselwano, inqaku lesithembiso, itshekhi okanye uyilo. Ngokobuchwephesha umkweliti udlulisela uxanduva lokuhlawula ityala lakhe kumntu wesithathu onetyala kuye ngokwakhe. Ngoko ke uxanduva lwentlawulo luxhomekeke kumntu wesithathu.

I-Hawala yindlela evumela ukuhlawulwa kwee-akhawunti zamazwe ngamazwe ngokudluliswa kwe-accounting. Isusa ubukhulu becala imfuno yokudluliselwa kwemali ngokwasemzimbeni. Ibhekisa ku ibango ifunyenwe kwimali yemveli.

➤ Ukhetshe 

Le ngcamango ibhekisela kunyaka wenyanga.

➤ Ijara

Sisibhambathiso sokuqeshisa apho ibhanki ithengela umthengi i-asethi ize imqeshise kangangexesha elithile. 

➤ Ijara-wa-Iqtina

Ifana ne-Ijara echazwe ngasentla, kunye nokwahlukana ukuba umthengi unokhetho lokuthenga okulungileyo ekupheleni kwekhontrakthi. 

➤ Ijma

Ezi ziimvumelwano, izivumelwano ezifanayo phakathi kwabo bonke abaphengululi beFiqh bexesha. Ngomnye wemithombo emine yeFiqh.

➤ istisna

Yikhontrakthi apho umenzi avuma ukuvelisa kunye nokuhambisa okulungileyo okanye ukwakhiwa ngexabiso elinikeziweyo ngomhla ozayo. 

➤ Jahala ukungazi

Eli gama lisetyenziswe xa, ngexesha lokugqiba isivumelwano sokuthengisa, ixabiso alaziwa.

➤ Ju'alal

Ngokwenyani ibhekisa kwixabiso elichaziweyo lonikezelo lwenkonzo. Eli gama ngamanye amaxesha lisetyenziswa kwingqiqo yobugcisa kwimodeli yebhanki yamaSilamsi. 

➤ kafalah

Sisivumelwano sesiqinisekiso apho umntu wesithathu aqinisekisa ityala le-arhente enetyala. Uxanduva lwetyala ngokubhekisele kumbolekisi ngoko luxhomekeke kumaqela amabini kwikhontrakthi. Njengesivumelwano seHawala, iKafala ayivelisi naziphi na iindleko ezingaphaya kweendleko zolawulo.

➤ Maysir

Ligama elibhekisa kungcakazo. Omnye wemithintelo emithathu esisiseko kwimali yamaSilamsi. Sesinye sezona zinto zithathu zithintelweyo zezemali zamaSilamsi ecaleni kweRibâ neGharar.

Ukuvalwa komsebenzi kaMaysir kuhlala kusebenza njengesiseko sokugxekwa kwezenzo zemali zemveli ezinje ngoqikelelo, i-inshurensi yemveli kunye nezinto eziphuma kuzo. 

➤ Mudaraba

Sisivumelwano sobudlelwane botyalo-mali phakathi kwebhanki kunye nomxumi wayo. Bubuchule bokuxhasa ngemali obusetyenziswa ziibhanki zamaSilamsi apho inkunzi ibonelelwa ngokupheleleyo yibhanki ngelixa elinye iqela lilawula iprojekthi.

Ingeniso kwabelwana ngayo ngokwesitshixo sokusasaza esilungiswe kwangaphambili kwaye nayiphi na ilahleko ithwalwa ngumtyali-mali. 

➤ Mudarib

Kwikhontrakthi, umntu okanye iqela elisebenza njengekontraka libizwa ngokuba nguMudarib. 

➤ Muqayada

Sisibhambathiso sotshintshiselwano ngobungakanani x bemathiriyeli ekrwada ngokuchasene nobungakanani y benye imathiriyeli ekrwada ingabandakanyi naluphi na utshintsho lwemali. Amaxabiso amiselwe ngokwesiseko samaxabiso emarike ezinto ezithengiswayo.

➤ IMurabaha

Sisivumelwano sezemali esisayinwe phakathi kwebhanki kunye nomxumi wayo. Luhlobo lwetyala oluvumela umthengi ukuba athenge ngaphandle kokuba athathe imali-mboleko enenzala. Ibhanki ithenga into entle kwaye emva koko iyithengisele umthengi ngesiseko esimisiweyo. 

➤ Musawama

Inokuchazwa njengenkontileka yokuthengisa yakudala apho umthengi engayazi ingeniso yenzuzo esetyenziswa ngumthengisi.

➤ Musharaka

Liqabane elixhasa ngemali ngandlel’ ithile elifana ne-Moudharaba apho iimeko zokwabelana ngenzuzo zichazwe kwangaphambili kwaye ilahleko ilingana nemali etyalwe. Luhlobo lwenkunzi yotyalo-mali. 

➤ Nissab 

Ngumda werhafu apho umntu ahlawula iZakat. Ilingana ne-85 grams yegolide okanye ubutyebi obuqikelelwayo malunga ne-1500 yee-euro. Izinga lerhafu ye-Zakat yi-2,54%.

➤ Qadi Hasan

Ezi mboleko zenceba, ngaphandle kwenzala okanye inzuzo. Ifana noncedo kunekhredithi yorhwebo. Le ndlela yobugcisa ayifane isetyenziswe ngamaziko orhwebo.

Ngakolunye uhlangothi, inokusetyenziswa kwiimeko ezithile (ukuba kukho ubunzima bomntu okanye inkampani, okanye xa sifuna ukukhuthaza ukuphuhliswa kwamacandelo avelayo).

➤ URab Al Maal

Ngokungafaniyo neMudarib kwinkontileka yemudaraba (usomashishini), uRab-al-maal ngumntu otyala imali enkulu. 

➤ URahn

Sisivumelwano apho iarhente iqinisekisa ityala ngesibambiso (isibambiso). Olu hlobo lwekhontrakthi lujolise ekunciphiseni umngcipheko weqela elithwalwa ngumbolekisi. Inzuzo yale khontrakthi kukuba ivumela i-arhente ukuba ibonise i-asethi ekuye njengesibambiso ngelixa igcina ukusetyenziswa kwayo kunye nobunini.

➤ Riba

Esi sesona salelo sikhulu kwimali yamaSilamsi. Sesinye sezithintelo ezithathu ezisisiseko kwimali yamaSilamsi ecaleni kweGharar kunye noMaysir. Ngokoqobo lithetha ukwanda okanye ukongezwa ngokungekho mthethweni.

Ngokobuchwephesha, nakuphi na ukonyuka okanye inzuzo efunyenwe ngumbolekisi oyimeko yemali-mboleko. Nayiphi na ireyithi yembuyekezo engenamngcipheko okanye “eqinisekisiweyo” kwimali-mboleko okanye kutyalo-mali iwela phantsi kweRibâ.

➤ Salam

Sisivumelwano esibonelela ngokuhlawulwa kwangaphambili kweempahla eziziswe kamva. Ngokwenyani iSalam yintengiso yetyala elingasemva. Oko kukuthi, umthengi uhlawulela iimpahla namhlanje kwaye uzifumana kamva emva kokuveliswa okanye ukwenziwa.

Nangona akukho ntengiso inokwenzeka ukuba iimpahla azikho ngexesha lekhontrakthi, olu hlobo lokuthengisa alukho phantsi koMthetho wamaSilamsi.

Kugunyaziswe ukuba iimpahla kunye nomhla wokuziswa zichazwe. Olu hlobo lokuthengisa ngokubanzi lubandakanya iimpahla ezibonakalayo, ngaphandle kwegolide kunye nesilivere, ezithathwa njengexabiso lemali.   

➤ sukuk

Ezi zibhondi zamaSilamsi. Ngokufana nebhondi exhaswa yi-asethi, iSukuk liphepha lentengiso elinika umtyali-mali isabelo sobunini kwi-asethi ephantsi kwaye iqinisekisa umvuzo wakhe ngolo hlobo.

Iqumrhu elikhuphayo kufuneka lichonge ii-asethi ezikhoyo eziza kuthengiswa kubatyali-mali bakwaSukuk, ngokugqithiselwa kwiziko lenjongo eyodwa.

Abatyali-mali ke bayakonwabela ukusufruct kwezi asethi, ngokomlinganiselo wotyalo-mali lwabo. Ngokuqhelekileyo bathwala umngcipheko wekhredithi yomniki kuneyona mngcipheko onxulumene nee-asethi ezigcinwe liziko lenjongo eyodwa.

I-Sukuk inokudweliswa kwaye ilinganiswe ngokuxhomekeke kwimarike ekujoliswe kuyo kodwa Akunyanzelekanga. I-Sukuk ikhutshwa ngokubanzi ziinkampani, amaziko athile emali kunye namazwe azimeleyo. 

Qhagamshelana nenqaku lethu ngeSukuk: Iibhondi zamaSilamsi

➤ sunnah

Eli gama libhekisa kwisithethe samaSilamsi esithathwe kumzekelo wobomi boMprofeti uMuhammad. Olu xwebhu ludibanisa zonke iintetho neengcaciso zoMprofeti ebantwini.

➤ Takaful (Takaful)

Ezi ziinshorensi zamaSilamsi. Kuthatha uhlobo lwe-inshurensi yentsebenziswano kunye nokudibanisa imali, ngokomgaqo wokuncedisana. Kwinkqubo ye-Takaful, amalungu abini abaxhasi kunye nabanini-polisi.

I-inshurensi yesiNtu ayivumelekanga kwiSilamsi kuba iqulethe izinto ezininzi zeHaram ezifana neGharar kunye neRibâ. Unokujongana nenqaku lethu kwi-inshurensi yamaSilamsi: Takaful

➤ Tawarruq

Esi sisivumelwano se-Murabaha esibuyela umva. Obu bubuchule bemali obukuvumela ukuba ufumane imali-mboleko ngokuthenga indawo egcinwe yibhanki ngezavenge.

Abafaki-zicelo baye bagunyazise ibhanki ukuba ithengise, egameni labo, isabelo sabo kwipropati kumntu wesithathu kwintengiso yemali kwaye ifake imali yentengiso kwi-akhawunti yabo.

➤ Wadiah

Yinkqubo yesivumelwano yamaSilamsi yokulawula idiphozithi yangoku okanye iakhawunti yokonga. Kwiibhanki zamaSilamsi, idiphozithi yemfuno okanye iakhawunti yokonga ayivelisi ngeniso yenzala.

Ukuqonda ngcono indlela ezi akhawunti zisebenza ngayo, ndincoma ukuba ufunde inqaku lethu Iimpawu zeebhanki zamaSilamsi.

➤ walala

Eli gama ngandlela ithile liguqulela i ubudlelwane arhente. Oko kukuthi, ukuqeshwa komnye umntu ukuba enze umsebenzi egameni lequmrhu eliphambili ngokuchasene nentlawulo yekhomishini.

🌿 isishwankathelo ...

Unemiba engama-49 engundoqo yezemali yamaSilamsi. Ukuba unayo nayiphi na inkxalabo, ungalibali ukubabuza kwizimvo. Enkosi ngokunyaniseka kwakho. Ngaphambi kokuba uhambe, nalu uqeqesho olukufundisayo indlela yokuthengisa iingcebiso kwi-intanethi. Cofa apha ukuze uyithenge.