👋 Wamkelekile kwicandelo lethu lezeMali lamaSilamsi elizinikele kwimigaqo yokuziphatha kunye nemigaqo yezemali yamaSilamsi! 🕌
Izimali zamaSilamsi (IF) zisekelwe kumthetho wamaSilamsi. Ilungelo lenkolo ngokusisiseko. Ijolise ekukhuseleni isizathu kunye nokuthembeka kwesigidimi senkolo, ukuqhubeka kokuzala, ukukhuselwa kwempahla. Kule mbono, i-IF kufuneka ihloniphe inani elithile lemigaqo ukuze ihambelane nokuthanda kukaThixo.
Eneneni, yinkqubo yemali enemvelaphi yonqulo. Ngoko ke, iyakwalela izenzo ezithile. Umkhwa womdla, intelekelelo, ukungcakaza akuvumelekanga. Le mali ayinikezeli ngezimali iindawo ezithile zemisebenzi ekumele ukuba ziyi-haram. Nangona kunjalo, ikhuthaza umgaqo wokwabelana ngenzuzo kunye nelahleko phakathi kwamaqabane. Ikwakhuthaza utyalo-mali kwii-asethi zokwenyani. Ngokungafaniyo nemali yemveli, idityaniswe ngakumbi nenqanaba loqoqosho lokwenyani.
Siza kubona kolu didi i-Islamic Sukuk bonds. I-inshurensi yamaSilamsi: Takaful. Iirhafu zenkolo ezibizwa ngokuba yiZakat. Kunye nezinye izinto ezininzi ezifana: iQuard Hassan, Moudharaba; Musharakah; Ijara, iSalam, njl.
Ukuba umntu unqwenela ukwazi iindlela ezahlukeneyo zokusebenza kwezemali yamaSilamsi, umntu kufuneka ngaphezu kwakho konke aqonde ukuba sisiphumo sempembelelo yenkolo ekuziphatheni, ngoko ukuziphatha okuhle kumthetho, kwaye ekugqibeleni kumthetho. ezemali.
Nokuba ungumlandeli weenqobo zamaSilamsi okanye unomdla kwizisombululo zemali ezithobela amaSilamsi, icandelo lethu lezeMali yamaSilamsi yindawo yakho yokumisa enye yeengcebiso ezifanelekileyo kunye nolwazi.
Sijongana neziseko zezimali zamaSilamsi, ezinjengokwalela inzala yenzala (i-riba) kunye notyalo-mali kumacandelo ahambelana neenqobo zokuziphatha zamaSilamsi. Injongo yethu kukukunceda uqonde imiba ephambili yezemali yamaSilamsi kwaye uyisebenzise kubomi bakho bezemali.
Iqela lethu leengcaphephe zezemali zamaSilamsi lilapha ukuze liphendule imibuzo yakho, likukhokele kwizigqibo zotyalo-mali lwakho kwaye likunike neengcebiso ezenzelwe wena ngokusekwe kwiimfuno zakho ezithile.
Joyina uluntu lwethu lwezeMali yamaSilamsi ngoku kwaye ufumanise ukuba ungawadibanisa njani na amaxabiso akho amaSilamsi kunye nolawulo lwezemali olunoxanduva 💪. Ndwendwela icandelo lethu rhoqo ukuze uhlale unolwazi malunga neendlela zamva nje kunye nezenzo ezilungileyo zezemali zamaSilamsi 🚀.
KHANGELA AMANQAKU ANGASENZI
Ngaba uyafuna ukurhweba njengomSilamsi? Ewe, ufike kwindawo elungileyo. Enyanisweni, ngakumbi nangakumbi amaSilamsi atsalwa kukukwazi ukwenza inzuzo ngokukhawuleza kwaye afune ukubandakanyeka kurhwebo oluqikelelwayo kwiimarike zemali.
Indlela yokutyala imali kwimarike yemasheya njengomSilamsi? Utyalo-mali kwimarike yemasheya kubathakazelisa ngakumbi nangakumbi abantu abakhohliswa kukukwazi ukuvelisa ingeniso eyongezelelweyo kwixesha elide. Noko ke, amaSilamsi amaninzi ayathandabuza ukuqalisa, esoyika ukuba olu qheliselo aluhambelani nokholo lwawo. ISilamsi silawula ngokungqongqo iintengiselwano zemali, inqanda iindlela ezininzi eziqhelekileyo zeemarike zanamhlanje.
Ihlabathi lotyalo-mali liya lisiba nzima ngakumbi kwaye liyahlukahlukana, kwaye liya lisibaluleka ngakumbi kubatyali-zimali abatsha ukuba baqaphele ngamathuba ahlukeneyo akhoyo kwimarike. Enye yezona ndlela zidumileyo nezikhulayo zotyalo-mali yimali yamaSilamsi.
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.
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.
Yintoni iZakat?
February 17 2022 par UFaustin DjoufouetRhoqo 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.