Ukuhweba njengeMuslim

Ufuna ukuhweba njengomSulumane? Awu, uze endaweni efanele. Eqinisweni, amaSulumane amaningi akhangwa ithuba lokuthola inzuzo esheshayo futhi afisa hlanganyela ekuhwebeni okuqagelayo ezimakethe zezimali.

Kodwa-ke, lo mkhuba ubonakala ekuqaleni kunzima ukuvumelanisa nemigomo yezezimali yamaSulumane, evimbela izindlela eziningi ezisetshenziswa abahwebi banamuhla.

Kodwa-ke, uma uhlolisisa, ukuhweba nge-intanethi akunjalo akuhambisani ngokuyisisekelo ngokuhlonipha izimiso zamaSulumane.

Ngokuqaphela okumbalwa ekukhetheni amathuluzi ezezimali, ukugwema izingibe ezithile, kanye ngokuhlonipha imithetho yokuziphatha eqinile, kubonakala kungenakwenzeka ukuba umSulumane ahwebe ngaphandle kokulahla ukholo lwawo.

Finance de Demain iphakamisa ukuhlola ngokuningiliziwe umbuzo wokuhambisana kokuhweba okuqagelayo nomthetho wamaSulumane. Kodwa ngaphambi kokuthi uqale, nansi indlela Ukutshala imali ku-real estate isinyathelo ngesinyathelo

Asambe !!

🌿 Izisekelo zokuhweba nge-inthanethi 📈

Ukuhweba nge-inthanethi kuqukethe ukuqagela esikhathini esifushane mayelana nokuvela kwezimakethe zezimali. Umhwebi ufuna ukwenza inzuzo ngokuhlukahluka kwentengo kumasheya, izinkomba, izimpahla, izinhlobo zemali noma ama-cryptocurrencies.

Kwenziwa ngezinkundla eziku-inthanethi ezinikeza ukufinyelela okuqondile ezimakethe. Ukuhweba kwenziwa ngekhompyutha noma ngeselula ngokuchofoza okumbalwa.

Abahwebi basebenzisa izinkomba zobuchwepheshe kanye nokuhlaziywa kweshadi ukuze babone amathuba. Bahlose ukuthola inzuzo esheshayo, kodwa baphinde bachayeke ezingozini eziphezulu.

🌿 Isimo se-Islam ekuhwebeni ⚖️

Izici ezithile zokuhweba ziyinkinga mayelana nezimiso zokuziphatha zamaSulumane:

• La ukuphishekela inzuzo ngokweqile ngokuqagela kwenqatshelwe (maysir)
• Okuphuma kokunye nokuthengisa okufushane kubandakanya ukungaqiniseki okungavunyelwe (gharar)
• Les ama-akhawunti enzalo akhokhwayo kumadiphozithi akukho emthethweni (riba)

Nokho, ukuhweba akuyona haram kanjalo emehlweni Islam. Kuncike ekutheni izimiso ezithile ziyahlonishwa.

Okokuqala, inhloso yomthengisi kufanele abe qotho. Akufanele abheke ukuhweba njengohlelo lokuceba ngokushesha olungenakuziphatha, kodwa njengokutshalwa kwezimali kwe-halal.

Bese, izigaba ezithile kuphela zezimpahla ezithathwa njengezinesimilo ezigunyaziwe: amasheya, impahla, izimali. imikhiqizo eyinkimbinkimbi futhi ukuthengisa okufushane kufanele kugwenywe.

Ekugcineni, ukuqagela okungavinjelwe akuvunyelwe. Ukuhweba akufanele kuholele ekulimaleni noma ukuphazamisa abathembekile emisebenzini yabo yenkolo.

🌿 Ukukhetha Umthengisi Othobela I-Sharia 🕋

Ukuze uhwebe ngendlela ethobela i-Sharia, kubalulekile ukukhetha umthengisi we-inthanethi onikeza i-akhawunti yamaSulumane, ngaphandle kwe-riba.

Nazi ezinye izinkundla ezithembekile ezinikeza lolu hlobo lwe-akhawunti:

✔️I-akhawunti ye-eToro Islamic

I-eToro Islamic Account i-akhawunti yokuhweba eku-inthanethi eyenzelwe ngqo hambisana nemithetho yezezimali yamaSulumane kanye neSharia. Lesi yisipho esivela endaweni edumile yokuhweba ye-eToro yamakhasimende angamaSulumane.

Le akhawunti yamaSulumane ihlukaniswa ngu ukungabikho okuphelele kwenzalo yekhredithi noma ama-carryover swaps ebusuku, ukuze kugwenywe noma yimuphi umqondo i-riba evinjelwe.

Amathuluzi athathwa njenge-halal kuphela atholakalayo: amasheya, izimpahla, ama-cryptocurrencies. Okuphuma kokuphuma okuyinkimbinkimbi okubandakanya okungahleliwe okweqile akufakiwe.

Ikomidi le-Sharia lihlala liqondisa i-akhawunti ukuze liqinisekise ukuthi ligcina ukuthobelana kwe-Islamic kuzo zonke izici: izimpahla ezinikezwayo, isilinganiso esiphezulu, izinhlobo zama-oda avunyelwe, ukuphathwa kwezinzuzo, njll.

I-akhawunti ye-eToro Islamic kuqinisekiswe ngokwamazinga yezimali zamaSulumane ezichazwe yi-AAOIFI, indikimba egunyaziwe. Lesi sitifiketi sinikeza isiqinisekiso kumakhasimende angamaSulumane ukuthi ahwebe ngokuhambisana nemigomo ye-Islam.

Ngakho, i-akhawunti ye-eToro Islamic ivumela ukuthi sebenzisa ngokunenzuzo zonke izici zokuhweba egameni le-eToro, ngohlaka olusemthethweni nolwe-halal. Isixazululo esikahle sanoma yimuphi umSulumane ofisa ukuqalisa ukuhweba nge-inthanethi.

✔️ I-Amana Capital

I-Amana Capital iyinkundla yokuhweba eku-inthanethi eseLondon egxile kakhulu kwezezimali zamaSulumane kanye nezinsizakalo zokuhweba ezihambisana neShariah.

Yasungulwa ngo-2011, i-Amana Capital inikeza ama-akhawunti okuhweba aqinisekisiwe yi-AAOIFI futhi angenazo izici ze-haram. Yonke inzuzo kanye nokushintshashintsha okukhiqizwa imisebenzi yokuhweba abafakiwe.

Ukuthobelana kwe-Islamic kuqinisekiswa yikomidi lezimiso zokuziphatha elibhekene nokuqinisekisa ngokuqhubekayo ukuba semthethweni kwawo wonke amathuluzi ezezimali iyadayiswa endaweni yesikhulumi. Umkhandlu wezenkolo ubuye wengamele ukulandelwa kwemithetho yamaSulumane.

Ngenxa yalobu buchwepheshe bokuhweba kwe-halal, i-Amana Capital manje ilawula ngaphezu kwebhiliyoni elingu-$XNUMX kumafa egameni lamakhasimende angamaSulumane azimisele ukuhweba ngokuhambisana nezimiso zenkolo yawo.

Noma ngabe ungumuntu osaqalayo noma ungumhwebi onolwazi, ungakwazi vula i-akhawunti ye-sharia eqinisekisiwe ihambisana ne-Amana Capital futhi ihweba ngokusemthethweni i-forex, izinkomba zesitoko, impahla, amasheya kanye ne-cryptocurrencies.

✔️ I-Darson Securities

Isungulwe ku-2010, I-Darson Securities uyingqalabutho ekuhwebeni kwamaSulumane. Isekelwe ePakistan, lo mthengisi we-inthanethi unikeza ama-akhawunti we 100% ukuhweba okuhambisana ne-sharia, ngaphandle kwanoma iyiphi into ye-haram. Inzalo ayivunyelwe, futhi yizimpahla ezithathwa njenge-halal kuphela ezitholakalayo.

Ibhodi ye-Sharia ye-Darson Securities iqinisekisa ngokuqhubekayo ukuthobela kwe-Islamic kwamathuluzi ezezimali kanye nemisebenzi yokuhweba. Indlela yokuphatha ukuze ukunciphisa ubungozi bokukhukhuleka okucatshangelwayo.

Ngesipiliyoni seminyaka engaphezu kwe-10, i-Darson Securities yakhe i- idumela eliqinile embonini ukuhweba kwe-halal. AmaSulumane amaningi athembela kuwo ukuthi ahwebe ngokuziphatha, ngokuvumelana nokholo lwawo, ekukhetheni okubanzi kwempahla esemthethweni.

I-Darson Securities ibonisa ukuthi kungenzeka buyisana ukuhweba nge-inthanethi nokuhlonipha imigomo ye-Islam. Inkundla ethembekile yanoma yimuphi umSulumane ofisa ukutshala imali emakethe ngendlela ye-halal.

🌿 Thatha indlela yokuhweba i-halal 🔭

Noma une-akhawunti ehambisana ne-Sharia, kufanele uhwebe ngokuziphatha ukuze uhloniphe imigomo ye-Islam.

Gwema ukuhweba kwesikhathi esifushane nokuqagelayo. Ezezimali zamaSulumane zincoma ukufulathela ukuthenga kwesikhashana okufana nokuqagela. Kungcono ukukhetha ukutshalwa kwezimali kwesikhathi eside, kumaphrojekthi akha inani langempela nelihle lomnotho uwonke.

Susa inzalo enenzuzo (ribâ) ngazo zonke izinhlobo zayo. Ukusetshenziswa kwenzuzo, okunqatshelwe ngaphansi kwegama elithi “ribâ” kwezezimali zamaSulumane, kumele kukhishwe ngokuphelele. UmSulumane uzoqaphela ukuthi angatshali imali kumathuluzi asekelwe ku-ribâ, noma ngabe njengomboleki noma obolekayo.

Zibekele umkhawulo ekuhwebeni kwezimpahla okungezakho. Ukuthengisa okufushane nezinye izindlela zokuqagela ezisuselwe ekuthengisweni kwezimpahla umuntu angeyena umnikazi wazo kufanele kugwenywe. UmSulumane uzobhekana kuphela nezimpahla asevele enazo.

Tshala imali ngendlela efanele ukuze uhambisane namagugu akho. Kubalulekile ukutshala imali kuphela emikhakheni eyamukelekayo ngokokuziphatha, nokungafaki noma yikuphi ukubandakanyeka ezindaweni ezinqatshelwe njengotshwala, izikhali, njll.

Ngale ndlela enomthwalo wemfanelo, uzohweba ngendlela ye-halal nangokuhambisana nezimiso zokuziphatha zamaSulumane.

🌿 Qaphela lapho uhweba i-cryptocurrencies

Ukuhweba okuqagelayo kwama-cryptocurrensets kuwumsebenzi ongaphakamisa imibuzo kumSulumane othanda ukuhlonipha izimiso zezimali zamaSulumane. Impela, lolu hlobo lokuthengiselana lungaqhathaniswa ne “maysir“, imidlalo yenhlanhla ayivunyelwe ngoba ithathwa njengokuziphatha okubi. Ngaphezu kwalokho, ukuguquguquka okwedlulele kwamanani e-cryptocurrency kudala inani elibalulekile lobungozi nokungaqiniseki.

Ku-Muslim, ngakho-ke kungcono ukudeda kukho konke ukuhweba nge-cryptocurrency okuqagelayo, kanye nokugxila ekutshalweni kwezimali kwangempela emnothweni obonakalayo. Uma isifiso sama-cryptos sinamandla kakhulu, singacabangela ukutshalwa kwezimali kwesikhathi eside kumaphrojekthi esiwaqondayo amamodeli awo omnotho kanye nevelu engeziwe.

Kodwa kunconywa ukuqapha okukhulu ukuze ungaphuli izimiso zezimali zamaSulumane. Ungahweba nge-crypto, kodwa ngokuzibophezela.

🌿 Scalping: imibono eyabiwe phakathi kwama-Ulama 📈

Umkhuba we-scalping ekuhwebeni uvusa impikiswano phakathi kwezazi zamaSulumane. Amanye ama-Ulama alilahla leli su ngezizathu ezimbalwa:

• I-Scalping ihilela ukuthatha ingozi ephezulu kanye nokusesha okuphithizelayo kwenzuzo yesikhashana, ukuqhela emigomeni yezezimali yamaSulumane.
• Ukuphindaphinda kwemisebenzi emincane yemvamisa ephezulu ingaqhathaniswa nohlobo lokugembula nokuqagela okungavunyelwe (maysir).
• I-scalping ingadala ukuncika okungenampilo nokugxila kakhulu kulezi zinzuzo ezincane, ezinqanyuliwe emnothweni wangempela.

Nokho, amanye ama-Ulama ayawufanelekela lo mbono. Kubo, i-scalping ingase yamukeleke uma isekelwe kulokhu:

• Ukuhlaziywa okuyisisekelo kwezimpahla ezithengiswayo hhayi ukuqagela okumsulwa.
• Ukuthatha ubungozi okukaliwe kanye nokuphathwa kwezimali ngobuhlakani.
• Inhloso yokuhweba ngokuziphatha hhayi ukugembula.

Nakuba lezi zimo zingenza kube semthethweni ukukhishwa kwesikhumba, ukuqapha okukhulu kuyadingeka. AmaSulumane ayanxuswa ukuthi athande ukutshalwa kwezimali kwezimiso zesikhathi eside phezu kwalezi zinzuzo ezisheshayo ezingaqinisekile. Phakathi kokuvinjelwa nokubekezelelana okucophelelayo, ngakho-ke imibono iyahluka mayelana nokuhambisana kwe-scalping nezimali zamaSulumane.

🌿 Faka isicelo se-zakat enzuzweni yakho 💰

KumMuslim oqhuba ukuhweba, kubalulekile ukuhlanza inzuzo yakhe ngokukhokha ingxenye kwabampofu ngendlela okweshumi. Le ntela yamaSulumane eyisibopho yenza kube nokwenzeka ukuba “nihlanze” ifa layo futhi yabelane kabusha ingcebo.

Izinzuzo ezenziwe ngokuhweba zingaphansi kwe-zakat ngokwesilinganiso esinembile: 2,5% wemali ngemva konyaka wenyanga uma umkhawulo omncane “nisab"kufinyelelwe. Amanye ama-Ulama aze atusa ukukhokha i-zakat enzuzweni ngayinye ebalulekile, ngaphandle kokulinda umkhawulo wonyaka.

Ngakho-ke ukukhokha i-zakat ngenzuzo yakho yokuhweba kuwumsebenzi ongokwenkolo njengesenzo sobumbano. Lokhu kukuvumela ukuthi wabelane ngengcebo yakho, uzivikele ekuheheni inzuzo yezinto ezibonakalayo futhi usondelane nengokomoya lokuhweba olwenzelwe ezezimali zamaSulumane.

🌿 Fatwas ekuhwebeni kwe-inthanethi 📖

Ukuhweba nge-inthanethi kuphakamisa imibuzo eminingi mayelana nokuhambisana kwayo nezimiso zokuziphatha zamaSulumane. Ama-Ulama akhiphe ama-fatwa ahlukene ukuze akhanyisele abatshalizimali abangamaSulumane. Omunye wemibono yokuvumelana ukuvinjelwa kwemajini nokuhweba okufushane, okubhekwa njengokuqagela kakhulu. Okwenziwayo kufanele kukhawulelwe ezimpahleni eziphethwe.

Ngaphezu kwalokho, ezinye izazi ziyakugxeka ukusetshenziswa kwamarobhothi nama-algorithms, alulaza isenzo sokutshala imali. Abanye babona lokhu njengethuluzi elisebenzayo uma lisetshenziswa ngokuhlakanipha.

Ngokubanzi, ama-fatwas agcizelela isidingo sokutshala imali ngendlela efanele, kucatshangelwa isimo senhlalo nokugwema ukuqagela okumsulwa. Ukuhweba nge-inthanethi kungabekezelelwa inqobo nje uma ihlala ihambisana nemigomo esemqoka yezezimali zamaSulumane. Ukuqapha njalo kuyadingeka.

🌿 Ukuvala

Ngakho-ke kuyenzeka ukuthi umSulumane ahwebe nge-inthanethi, ngaphansi kwezimo ezithile, ngaphandle kokukhaphela izimiso zamaSulumane. Nakuba amanye ama-Ulema enokungabaza, ziya ngokwanda izikhulu zezenkolo eziwamukelayo lo mkhuba uma wenziwa ngendlela yokuziphatha.

Manje sekuyithuba lakho lokuhweba ngokuhlakanipha nomthwalo wemfanelo! Ungakwazi ukukhiqiza inzuzo esemthethweni ngokuvumelana nokholo lwakho, inqobo nje uma ukhetha inkundla efanelekile futhi usebenzisa indlela yokutshala imali ye-halal.

Nakuba izinkulumo mpikiswano ziqhubeka, lo msebenzi ubonakala uhambisana ne-sharia uma kwenziwa ngokuzibophezela, ngezisusa eziqotho nangokulinganisela.

🌿 I-FAQ yokuhweba eku-inthanethi yamaSulumane

✔️ Ingabe ukuhweba kuvunyelwe e-Islam?

Yebo, ukuhweba kuvunyelwe uma kwenziwa ngendlela yokuziphatha, ngaphandle kokuqagela ngokweqile noma imithombo yemali engenayo engekho emthethweni. Amafata ayakwamukela ngaphansi kwezimo ezithile.

✔️ Yimiphi imithetho yamaSulumane okufanele uyilandele ekuhwebeni?

Kufanele usebenzise i-akhawunti ngaphandle kwenzalo noma ukushintshanisa (i-riba), ukhawule ubungozi, ugweme okuphuma kokunye okuyinkimbinkimbi (gharar), ungaqageli kakhulu futhi unikeze ingxenye yenzuzo ku-zakat.

✔️ Ngingakwazi ukuhwebelana nge-cryptocurrencies?

Yebo kungenzeka, kodwa ngokulinganisela. Thanda ama-cryptos wokuziphatha ngamaphrojekthi aphathekayo. Gwema ama-cryptoassets aqagelayo kuphela.

✔️ Ingabe i-scalping ivunyelwe?

Imibono iyahluka. Amanye ama-Ulama ayakwamukela ngoba izikhundla zifushane kakhulu, abanye bakubona kuwukuqagela ngokweqile.

✔️ Ungamthola kanjani umthengisi we-halal?

Thola ukuthi ingabe inkundla inikeza ama-akhawunti wamaSulumane angenayo inzalo. Hlola ukuthi iqondiswa ikomidi le-Shariah futhi iqinisekiswe ngokuvumelana nezindinganiso zezimali zamaSulumane.

✔️ Ingabe kufanele ngikhokhe i-zakat emalini engiyitholayo ngokuhweba?

yebo, kufanele uthathe u-2.5% wenzuzo yakho ezenziwe ekuhwebeni, ngemva kokubanjwa kokulahlekelwa, futhi uzinike abaswele. Lokhu kuhlanza umholo wakho.

✔️ Ingabe ukuhweba kwansuku zonke ku-halal?

Amanye ama-Ulama ayakwamukela ngoba izikhundla zivaliwe ngaphambi kokuphela kosuku. Abanye bakubona kuyingozi kakhulu futhi kuyaqagela. Indlela yokwenza okuphakathi kuyanconywa.