Yini i-Islamic crowdfunding?

Le i-islamic crowdfunding inikeza ithuba elikhulu kubabolekisi, abatshalizimali kodwa nosomabhizinisi abafaka isandla ekuthuthukisweni kwezenhlalo nezomnotho emkhakheni wamabhizinisi amancane naphakathi emazweni amaSulumane. I-Crowdfunding ngokwezwi nezwi isho ukuthi “ i-crowdfunding ". Leli yigama elisetshenziswa kakhulu ukubhekisa kulo mkhuba wezezimali, kodwa libuye libizwe ngokuthi " iqhaza lezezimali noma “isixuku sabantu” eCanada.

Abaholi bephrojekthi babiza abaningi amathuluzi ezezimali okuhlanganisa ukubamba iqhaza komphakathi ukuxhasa imibono yabo, izinhlelo noma imikhiqizo. Namuhla, lokhu kuqoqwa kwezimali noma amaqoqo kwenzeka ngezinkundla zewebhu.   

Lezi zokugcina ziwukusekelwa kokufaka maqondana nomtshali-zimali ngakolunye uhlangothi iphrojekthi ukufezeka kwayo kuhlangabezana nezithiyo zemali. Ngakho-ke, okwenziwayo kuncishisiwe ngokuphelele futhi kuhlukanisiwe.

Kunjalo, i-Crowdfunding ayithathi indawo yokubhalisela okujwayelekile noma izixazululo zokutshalwa kwezimali, kodwa ibamba iqhaza ohlotsheni olusha lokuhlukahluka ngokuya ngokonga nokutshalwa kwezimali okunenzuzo.

Ngobubanzi, singabona ekuthuthukisweni kwe-Crowdfunding inkambiso yemvelo nesemthethweni kumongo womhlaba lapho ukusetshenziswa ngokubambisana nokukhiqiza okubamba iqhaza kudlala indima ebaluleke kakhulu. Ungafunda okwengeziwe i-crowdfunding lapha.

Kulesi sihloko, sikhuluma nge-Islamic crowdfunding.

Asihambe

Iyini i-Islamic Crowdfunding?

I-Crowdfunding I-Islamic ngokwencazelo iyindlela yokuxhasa ngezimali ehambisana ne-Shariah ebandakanya ukuxhasa ngezimali iphrojekthi ngemali evela eqenjini labatshalizimali elivuna obolekayo ongumSulumane nalapho ukuqoqwa kwezimali nokunye okuhlobene kwenziwa kusetshenziswa isiza se-Islamic crowdfunding esilandela izimiso zamaSulumane.

I-Islamic Crowdfunding vs I-Crowdfunding evamile?

Umehluko phakathi kwe-crowdfunding yamaSulumane kanye ne-crowdsourcing evamile njengoba kwenziwa emazweni aseNtshonalanga awunikezwa ngokuyisisekelo lapho kubhekwa izindlela ezisetshenziselwa ukuqoqa izimali: abatshalizimali (isixuku) ukufaka isandla ekuxhaseni ngezimali iphrojekthi ngokwabelana ngenzuzo nokulahlekelwa nomboleki noma umgqugquzeli wephrojekthi.

Umehluko obalulekile phakathi kwalezi zinhlobo ezimbili ze-crowdfunding usezicini ezilandelayo:

• Ukungabikho kwentshisekelo (riba) nge-crowdfunding yamaSulumane kuyilapho kusebenza ukuqoqa imali okuvamile kanye nezilinganiso zenzalo.
• Nakuba i-crowdfunding evamile ihloselwe kakhulu ukwenza inzuzo. Iphishekela ngokuyinhloko imigomo ethobela i-Shariah engabandakanyi noma iyiphi iphrojekthi engalungile ehlanganisa izici eziqagelayo (i-Gharar) noma ukugembula.

Islamic crowdfunding is a ithuluzi lokuxhasa ngezimali ezinkulu kwezezimali Islamic. Le ndlela ebalulekile yokuboleka iwushintsho lokuqala selokhu kwavela ukuhambisana kwezimali okuhambisana neSharia.

I-crowdfunding ethobela i-Sharia indlela yokuxhasa ngemali lapho kuqoqwa khona izimali kubantu abambalwa kusetshenziswa inkundla ethobela imithetho ye-Islamic Sharia. Ixhuma abatshalizimali kosomabhizinisi.

Islamic crowdfunding ilandela izimiso zezimali zamaSulumane. Ikhuthaza ukubambisana phakathi kwenani elikhulu labantu ukutshala izimali kuphrojekthi noma ibhizinisi. Lokhu kuhambisana nesimiso se-Sharia sokuthi izinsiza ezeqile zidluliselwa emikhakheni engenazo ingcebo.

I-Halal crowdfunding isanda kuthola ukwamukelwa okwengeziwe futhi iya ngokuya iba ngaphezulu ithuluzi elibalulekile lokuxhasa ngezimali emhlabeni wezezimali zamaSulumane. Njengoba i-crowdfunding inikeza uxhaso olusekelwe esikweletini, isikweletu sibuyiselwa ngenzuzo hhayi inzalo, okuyenza ihambisane ne-Shariah ne-Halal.

Izinhlobo zezezimali ezikhethekile zamaSulumane

I-Islamic crowdfunding ikakhulukazi iqukethe izinhlobo ezine zamapulatifomu:

• Islamic crowdfunding.
• I-crowdfunding yemiklomelo yamaSulumane.
• Islamic crowdfunding.
• I-crowdfunding yezikweletu zamaSulumane.

A. I-crowdfunding ye-Islamic esekelwe emnikelweni

Esimeni sokunikela, abanikelayo banikela ngemali encane kakhulu yephrojekthi engenzi nzuzo noma isinyathelo sokuthuthukiswa komphakathi njengokweseka umndeni ngokwelashwa noma ukwakha isikole e-Afrika noma umkhankaso womuntu siqu njengokwelashwa komuntu ngamunye noma izikweletu zezokwelapha. .

B. Ukuqoqwa kwemali okusekelwe emiklomelweni yamaSulumane

Abaxhasi banikela ngemali encane ukuze bathole umklomelo ngemva kokuphothulwa kwephrojekthi. Umklomelo umkhiqizo owenziwe iphrojekthi futhi kungaba ihembe, i-CD noma imuvi.

C. Islamic Crowdfunding

Kuleli qophelo, abatshalizimali banikela ngezimali ezinkulu. Njengoba igama liphakamisa, ama-stock injectors ngokutshala imali baba abanikazi bamasheya futhi babelane ngenzuzo nokulahlekelwa.

D. Islamic Debt Crowdfunding

I-crowdfunding yezikweletu ethobela i-Sharia ihlanganisa ababolekisi ababoleka imali futhi abalindele ukukhokhelwa uthishanhloko kanye nenzuzo.

Amathrendi ku-Crowdfunding yamaSulumane

I-crowdfunding maduzane izoba yindlela edingekayo yamazwe amaSulumane futhi i-crowdfunding yezindlu ezithengiswayo ingenye yezindlela eziphumelela kakhulu zokutshala izimali.

Au Middle East kanye naseMpumalanga Ekude, izinkundla eziningi azizivezi njengezimoto ezihambisana ne-sharia-compliant crowdsourcing, kodwa oomakhenikha bemodeli yebhizinisi labo bahambisana kakhulu nemithetho yezezimali yamaSulumane.

Islamic crowdfunding ayixazululi kuphela izinkinga zemiphakathi yamaSulumane ngoba iwuhlobo lokuziphatha lokuxhasa ngezimali olugxile kumagugu nezimiso zokuziphatha njengokuthuthukiswa komphakathi. Islamic-crowdfunding.com ikukhethele amapulatifomu angcono kakhulu anikezelwe ku-Sharia crowdfunding ethobelana.