I-Islamic crowdfunding inika ithuba elikhulu kubabolekisi, abatyali-mali kodwa noosomashishini abanegalelo kuphuhliso lwentlalo noqoqosho lwecandelo lamashishini amancinci naphakathi kumazwe amaSilamsi. I-Crowdfunding ngokoqobo ithetha ukuba i-crowdfunding.
Rhoqo ngonyaka, ngakumbi ngenyanga yeRamadan, amaSilamsi ngamanani amakhulu kwihlabathi liphela ahlawula umnikelo wemali osisinyanzelo obizwa ngokuba yiZakat, ingcambu yayo ngesiArabhu ithetha "ubunyulu". I-Zakat ke ngoko ibonwa njengendlela yokucoca kunye nokuhlanjululwa kwengeniso kunye nobutyebi kwizinto ezinokuthi ngamanye amaxesha zibe ziindlela zehlabathi kunye nezingcolileyo zokufumana, ukuze bafumane intsikelelo kaThixo. Ukuba yenye yeentsika ezintlanu zamaSilamsi, iKurani kunye neehadiths zinika imiyalelo ecacileyo malunga nokuba le mbopheleleko kufuneka izalisekiswe njani ngamaSilamsi.
Igama elithi "Halal" linendawo ebalulekileyo kwiintliziyo zamaSilamsi. Ubukhulu becala ilawula indlela yabo yokuphila. Intsingiselo yegama elithi halal isemthethweni. Ivumelekile, isemthethweni kwaye igunyazisiwe ngamanye amagama anokuguqula eli gama lesi-Arabhu. Isichasi sayo sithi "Harâm" eguqulela oko kugqalwa njengesono, ngoko ke, salelweyo. Ngokwesiqhelo, sithetha ngeHallal xa kufikwa ekutyeni, ngakumbi inyama. Ukususela ebuntwaneni, umntwana ongumSilamsi kufuneka enze umahluko phakathi kokutya okuvunyelweyo kunye noko kungavumelekanga. Kufuneka bazi ukuba i-halal ithetha ntoni.
Izimali zamaSilamsi yenye indlela yezemali zemveli. Ivumela inkxaso-mali engenanzala yeeprojekthi. Nazi iikhonsepthi zayo eziphambili.
Inkqubo yezemali yamaSilamsi njengayo nayiphi na inkqubo inombutho. Ukuqinisekisa uphuhliso lwayo, ezemali zinamaziko amaninzi olongamelo nolawulo kunye namaziko. Kweli nqaku, Finance de Demain ikwazisa kumacandelo ahlukeneyo enkqubo yezemali yamaSilamsi.
Iibhanki zamaSilamsi ngamaziko anesalathiso senkolo, oko kukuthi ngokusekelwe kwintlonipho yemithetho yamaSilamsi. Izinto ezintathu eziphambili zenza iinkcukacha zeebhanki zamaSilamsi xa kuthelekiswa nezinto ezilinganayo zazo eziqhelekileyo.