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Koboca Dhaqaalaha Islamka.

W.Q. Abdikadir yasin

Islamabad Pakistan

Email cyxaaji23@yahoo.com


Ayadoo aay sanadahaan ay soo food saartey dhaqaala xumo dunida ayaa hadana waxaa dhanka kale waxa jira koboc weyn ku socdaa Bankiyada Islamka, Halka kuwa reer Galbeed aay la ildaran yahiin khasaaro weyn oo aan kabasho laheyn.

Dhawaan dalka Indonesia waxaa lagu qabtey shirka dhaqaalaha Islamka kasoo lagu soo qaadey dhaqaalaha xumada dunida ka jirta iyo sida Bankiyada Islamka aay ugu qeyb qaadankaraan.

Medexweynaha wadanka Indonesia ayaa ku booriyey in Bankiyada Islamka ay buuxshaan doorka dhaqaalaha ee dunida islamka iyo tan kalaba.

Bankiyada Islamka baa siweyn uga socda dunida islamka iyo tan reer Galbeedkaba sida Britain, United state of America iyo France.

Wadanka Britain ayaa hada dadku aad uxiiseenayaa Bankiyada islamka. Sidoo kale wadanka Maricanka ayaa furey Accountiyo ku shaqeeya shareecada Islamka

Dhanka kale wadamada Islamka ayaa waxaa siweyn uga shaqeeya Bankiyada Islamka, kuwaasoo siweyn kobac ugu socda bankiyada islamka iyo laamaha kale ku shaqeeya shareecada Islamka. Wadanka Maleysia ayaa ugu horeeya kasoo dhamaan systemka dhaqalaha wadankaas aay ku shaqeeyaan sharecada islamka.

Waana mida Malaysia manta ka dhigtey wadan aad uhormaraya dhan walba sida , education , technology, economics ,and Infrastructure.

Bankiyada Islamka ee ugu caansan wadanka Malaysia.

Affin Islamic Bank Barhed

Alliance Islamic Bank Berhad.

RHB Islamic Barhed.

Dhanka wadama carabta sida United Arab Emirate, Kuwait, Qatar, Saudi Arabia ayaa inta badan bankiyadoodu ku shaqeeyaan Islamic bank system ama shareecada Islamka sida aay qabto.

Kuwoo aan ilaa hada wax dhaqaala bur bur ah soo gaarin ilaa hada ayadoo wadama reer Galbeedkuna ka qeylinayaa dhaqalaha xumo aan xad laheyn oo soo food saartay bankgiyadooda.

Bankiyada ugu caansan wadanka United Arab Emirat, Dubai Islamic bank, waa bank caalimi ah kasoo ku leh xarumo inta badan wadama islamka iyo kuwa reer Galbeedkaba.

Al_ falaax islamk Bank waxaa laga leeyahey wadanka Saudi Arabia sidoo kale branch faro badan ku leh dunida oo dhan.

Wadanka Pakistan ayaa sidoo kale ka sheeqaan bankiyada islamka kuwoo si weyn soo jeeda macaamiil faro badan.

Waxaa ka mid Bankiyada ugu can san Muslim commercial bank, Al_ miisaan Bank, Habib Bank .

Bankiyada islam ayaa hada siweyn caan uga noqdey suuqdaya calamk.

Waliba maal gashiga bankiyada islamka ayaa hada marayaa meshii ugu sareysey abid marka loo eego dhan faa,iidada khasaaro la,aanta.

Dhaqaalaha Islama maxuu ku dhisan yahey.

Islamic economics: dhaqaalaha islamka waxuu ushaqeyaa ayadoo sal looga dhigaya shareecada islamka, sida Quran, Sunnah Ijmac and Qiyaas( analogy).

Waxii ka hor imaanayaa Ma,baadiida islamka iyo danta guud, lagama ganacsan karo lama soo saari karo waxaa kamid ah Khamrida, Qaadka, iyo dulsaarta(Ribo).

Regulation Islamic economics; Zakat, Jizya, Nisab, Khums, Riba, caamiska, iyo dhaxalka.

Ayadoo lafulinayo danta guud ee ummada lana ilaanayo danka khaaskaa ee shaqsiga.

Zakat: waxey ka mid tahey arkaanta islamka waxaana ku waajibta qofkasta oo muslim ah heystana hanti gaartey Nisaab.

Zakat; waa tirka ugu horeeya ee dhaqaalaha islamka iyo la gaalanka fakhriga iyo qeybinta dhaqaalaba. Tasoo waajib ku ah dowlada islamka in aay soo aruuriso dibana uqeybiso lacagtii aay soo aruurise. Ayadoo la raacayo nidaamka alle udejiyey.

Gharar :waa waxaan la hubin(Uncertainty ) sharci ahaan lama ogala in aad gasho heshiiska noocaas ah.

Riba waa dulsaar ( "referred to as usury) faa,iido ah waajibna ku ah qofka qaata deynta in uu baxsho lacagtaa dheeriya. Diinta islamka ma ogaloa wax Ribo ah. Ha ahaato Riba Al_nasaa ama Ribaa al_fadl.

Riba_alnasaa: waxaa lagu sheegey Sunnada Nabi Muxammed(CSW) sidoo waxaa lagu xaaraantanimeyey Quranka, waxey lamid tahey adigoo deyn qatey bixinaya lacag dheeriya bixiya.

Waana mida dhamaan Bankiyada calanku ku sheeyaan maanta ahaanto ayadoo la isticmaalaya deyn qof ama shirgad ama wadan lasiinayo ama qof dhigta lacag banka (saving accounting) kadib loosaaro faa,iido. Waxaan ka mid ah simple interest, compound interest and credit.

Ribaa Alfadli: waxey lamid labo shey oo isku mid ah laakiin kala quality fiican la isku badasho. kadibna qofka leh laabta quality hooseeya wata uu baxsho dheeri cadad ah.

Riba alfadli : hada kama shaqeyso dunida laakiin waxaan siweyn uga shaqeysa Riba alnisaa.

Dhaqaalamaha islamka waa mid ku saleysan xaqiido jirta ( fact and figures) . Laakiin conventional economics kuma saleysana xaqiida sida contractiyada dheefkorka ama Ribada(interest). Waana mid salka dhulka ugu dhufatey maanta.

Suuqadaya islamka

Waa suuq xor ah kana jirto tar lama ogala wax Monopoly ama in shaqsi ama shirkad gaar ah aay heysato dhamaan suuqa oo dhan.

Freedom of exchange: markii labo qof wax kala gadanayaa waa in aay yahiin labaduba xor lakiin hadii uu yimaado khasab ama (compulsory) waa burayaa beecaa.

Private ownership: qofkasta waxuu xaq uleeyahey in uu hanti gaar yeesho(the individual's right to private ownership). Tasoo dowladu aaysan xaq ulaheyn in ay soo faro galiso.

Security of contract: labada qof ee heshiiska kala saxiixdey waxaa mid walba waajib ah ku ah in aay fuliyaa heshiishkii labaduba.

Habdhaqanka dhaqaalaha islamka (Traditional approach)

Hanti dhamaan hatida waxaa leh Alle SWT oo kaliya ahaado cirka dhulka iyo waxii dhexdooda sida lagu cadeeyey Quranka Kariimka.

Fuqahada islamka waxey ukala qeybsheyn sadex qeybood hantida ama property. Sadex nooc ah.

Public property

State property

Private property.

Bankiyada islamka ayaa ku shaqeeya hab ka duwan kuwa kale ee edunka.

Bankiyada islamka ayaa fura sadex accounting oo mid walba leh agenda gaar ah.

a) Current accounting; waxaa isticmaala qofkii aan rabin wax faa,iido ah, ee kaliya doonaya in uu ku keedsado hantiida meel amaan ah. Waana iska mid dhamana bankiyada calamka.

b) Public accounting: waxaa lagu ridaa dhamaan waxii lacag ah oo lagu talo galey sadaqo ama hormarinta wadanka uu ku yaal bankigu( social development).

c) Saving accounting : waxaa iska leh qofkii faa,iido dooon ah. Kaaso lagu shaqeeyo dhoor nooc oo kala

1) Mudhaaraba: In bankugu ku shaeeyo lacagta kadibna aay wadaag faa,iidada kasoo baxda. Mudhaaraba kaliya waxaa la wadaagaa faa,iida ee lama wadaago khaasarada hadii aaysan khasaaruhu aheyn mid ula ka oo bankiga ka timid xagiisa. Mudhaaraba hanti waxey ka timid hal dhinac shaqada waxey ka timid ah dhinac bankiga, waana mida aay ku shaqeeyaan dhamaan Bankiyada islamka ee manta ka jira adunka.

2) Mushaarka: faaiido iyo khasaaro wadaag laba dhinacba,bankiga iyo macaamiisha bankiga . Hal mashruc (project) oo aay ku midoobaan bankiga iyo macaamiisha bankiga kadib waxii faaiido ah kasoo baxa la wadaago.

Bankiyada islamka ayaa siweyn usoo jiitey macaamill faro badan kuwaasoo ka isugu jira Muslim iyo Non- muslim.

Waxaan sabab ah habka aay shaqeeyaan bankiyada islamka oo ah hab halal ah faa,iido kujirto.

Bankiyasa islamka ma laha wax ribo ah ama Gharar.

Mida xiga bankiyada islamka kuma shaqeeyeen wax hanti ah oo la buunbuuniyey.

Waana mida Bankiyada islamka aay ug bad baadeyn economics crisis manta ka jira sanadahii ugu danbeyey.

Lasoco article kale oo kusuaab bankiyada islamka.

W.Q. Abdlkadir yasin

Islamabad Pakistan

Email cyxaaji23@yahoo.com

Faafin: SomaliTalk.com | March 1, 2009

 

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