Islam

[Mutevelija]

Nije sad zastupljeno šerijatsko bankarstvo

u islamskom bankarstvu ne koriste rijec KAMATA , ali ista posotoji cak i u tom serijatskom banakrstvu postoji interes za profit

Postoji riba'h rijec, banka koje se koristi ribhom nije.serijatska

[Dorian]

Kao što je seks van braka zabranjen, ali onda se dosjetili pa izmislili mut'ah.

[Mutevelija]

Moras se updatoati taj zakon je dokinut posredstvom Muhammeda a.s.

[Venera]

u islamskom bankarstvu ne koriste rijec KAMATA , ali ista posotoji cak i u tom serijatskom banakrstvu postoji interes za profit

Postoji riba'h rijec, banka koje se koristi ribhom nije.serijatska

https://www.ft.com/content/8c9bc2fc-884 ... 144feabdc0


The Islamic financial model works on the basis of risk sharing. The customer and the bank share the risk of any investment on agreed terms, and divide any profits between them.

The main categories within Islamic finance are: Ijara, Ijara-wa-iqtina, Mudaraba, Murabaha and Musharaka.

* Ijara is a leasing agreement whereby the bank buys an item for a customer and then leases it back over a specific period.

* Ijara-wa-Iqtina is a similar arrangement, except that the customer is able to buy the item at the end of the contract.

* Mudaraba offers specialist investment by a financial expert in which the bank and the customer shares any profits. Customers risks losing their money if the investment is unsuccessful, although the bank will not charge a handling fee unless it turns a profit.

* Murabaha is a form of credit which enables customers to make a purchase without having to take out an interest bearing loan. The bank buys an item and then sells it on to the customer on a deferred basis.

* Musharaka is a investment partnership in which profit sharing terms are agreed in advance, and losses are pegged to the amount invested.



How do the banks make any money?

Although they cannot charge interest, the banks can profit from helping customers to purchase a property using a ijara or murabaha scheme. With an ijara scheme the bank makes money by charging the customer rent; with a murabaha scheme, a price is agreed at the outset which is more than the market value. This profit is deemed to be a reward for the risk that is assumed by the bank.

[Chloe]

Nije sad zastupljeno šerijatsko bankarstvo

u islamskom bankarstvu ne koriste rijec KAMATA , ali ista posotoji cak i u tom serijatskom banakrstvu postoji interes za profit

Tačno.

Da nema profita ne bi ni opstajale.

[Laser]

Hajde Venero izreci kelime i šehadet pred svima.
Znam da jedva čekaš.

[Venera]

Hajde Venero izreci kelime i šehadet pred svima.
Znam da jedva čekaš.

zasto dragi Laseru

[Laser]

Zato što jedva čekaš.

[Venera]

Zato što jedva čekaš.

[Laser]

Ne dvoumi se, već ožeži.

[Venera]

Ne dvoumi se, već ožeži.

ali zasto

[Laser]

Ne dvoumi se, već ožeži.

ali zasto

Zato što znaš gdje je Istina.

[Venera]

ali zasto

Zato što znaš gdje je Istina.

a Istina je ... !?

[Laser]

Zato što znaš gdje je Istina.

a Istina je ... !?

Sigurno ne u izjavi Mensura Haladža.

Haj sad ne foliraj, nego da čujem, zapravo da pročitam, al pikaće se.

[Venera]

a Istina je ... !?

Sigurno ne u izjavi Mensura Haladža.

Haj sad ne foliraj, nego da čujem, zapravo da pročitam, al pikaće se.

pa znam Sehadet i prevod istog, ali o kakvoj Istini pises, to ne razumijem

[Mutevelija]

Postoji riba'h rijec, banka koje se koristi ribhom nije.serijatska

https://www.ft.com/content/8c9bc2fc-884 ... 144feabdc0


The Islamic financial model works on the basis of risk sharing. The customer and the bank share the risk of any investment on agreed terms, and divide any profits between them.

The main categories within Islamic finance are: Ijara, Ijara-wa-iqtina, Mudaraba, Murabaha and Musharaka.

* Ijara is a leasing agreement whereby the bank buys an item for a customer and then leases it back over a specific period.

* Ijara-wa-Iqtina is a similar arrangement, except that the customer is able to buy the item at the end of the contract.

* Mudaraba offers specialist investment by a financial expert in which the bank and the customer shares any profits. Customers risks losing their money if the investment is unsuccessful, although the bank will not charge a handling fee unless it turns a profit.

* Murabaha is a form of credit which enables customers to make a purchase without having to take out an interest bearing loan. The bank buys an item and then sells it on to the customer on a deferred basis.

* Musharaka is a investment partnership in which profit sharing terms are agreed in advance, and losses are pegged to the amount invested.



How do the banks make any money?

Although they cannot charge interest, the banks can profit from helping customers to purchase a property using a ijara or murabaha scheme. With an ijara scheme the bank makes money by charging the customer rent; with a murabaha scheme, a price is agreed at the outset which is more than the market value. This profit is deemed to be a reward for the risk that is assumed by the bank.

TO nije riba'h.

[Venera]

https://www.ft.com/content/8c9bc2fc-884 ... 144feabdc0


The Islamic financial model works on the basis of risk sharing. The customer and the bank share the risk of any investment on agreed terms, and divide any profits between them.

The main categories within Islamic finance are: Ijara, Ijara-wa-iqtina, Mudaraba, Murabaha and Musharaka.

* Ijara is a leasing agreement whereby the bank buys an item for a customer and then leases it back over a specific period.

* Ijara-wa-Iqtina is a similar arrangement, except that the customer is able to buy the item at the end of the contract.

* Mudaraba offers specialist investment by a financial expert in which the bank and the customer shares any profits. Customers risks losing their money if the investment is unsuccessful, although the bank will not charge a handling fee unless it turns a profit.

* Murabaha is a form of credit which enables customers to make a purchase without having to take out an interest bearing loan. The bank buys an item and then sells it on to the customer on a deferred basis.

* Musharaka is a investment partnership in which profit sharing terms are agreed in advance, and losses are pegged to the amount invested.



How do the banks make any money?

Although they cannot charge interest, the banks can profit from helping customers to purchase a property using a ijara or murabaha scheme. With an ijara scheme the bank makes money by charging the customer rent; with a murabaha scheme, a price is agreed at the outset which is more than the market value. This profit is deemed to be a reward for the risk that is assumed by the bank.

TO nije riba'h.

[Mutevelija]

Praise be to Allah.
Permissible muraabahah is where the financer (the one who has the money) buys something for one hundred million – as in the question – then when he has acquired it and taken possession of it, he sells it to your friend for payment in instalments over ten years, with a profit of 4%, for example; then your friend can keep the product or sell it in the marketplace for cash at a lower price, in order to obtain the cash.

This is muraabahah which is valid according to Islam. For more information, please see the answer to question no. 36408.

But if the financer gives this money (one hundred million) to your friend on the basis that he will take it back from him in instalments, with an increase of 4%, then this is a riba-based loan, which is haraam, whether it is called financing or muraabahah. In fact calling it by this name is a kind of confusing and misleading trickery, which is also haraam.

The scholars are unanimously agreed that riba-based loans are haraam.

Ibn Qudaamah (may Allah have mercy on him) said: Any loan in which it is stipulated that more (than the original amount) be paid back is haraam, and there is no difference of scholarly opinion concerning that. Ibn al-Mundhir said: They are unanimously agreed that if the lender stipulates that the borrower must pay back more or give a gift, and he gives the loan on that basis, if he takes anything additional to that, it is riba. It was narrated from Ubayy ibn Ka‘b, Ibn ‘Abbaas and Ibn Mas‘ood that they forbade loans that bring benefits. End quote from al-Mughni, 6/436

What appears to be the case from your question is that this transaction is not of the first type. You did not mention any product that the financer bought then sold to your friend.

If the transaction is a riba-based loan, then your involvement in it is haraam, and what you must do is two things:

1.repent to Allah, may He be exalted, and do not do that again; and do not go ahead with any transaction before you find out the Islamic ruling on it

2.get rid of the money that you still have, because it came from haraam work; as for that which you spent before you found out that it is haraam, you do not have to do anything about it.

And Allah knows best.

[Laser]

Sigurno ne u izjavi Mensura Haladža.

Haj sad ne foliraj, nego da čujem, zapravo da pročitam, al pikaće se.

pa znam Sehadet i prevod istog, ali o kakvoj Istini pises, to ne razumijem

Šehadet je Istina, ne foliraj već reci. Zakrpi raspuknutu dušu.

[Venera]

Praise be to Allah.
Permissible muraabahah is where the financer (the one who has the money) buys something for one hundred million – as in the question – then when he has acquired it and taken possession of it, he sells it to your friend for payment in instalments over ten years, with a profit of 4%, for example; then your friend can keep the product or sell it in the marketplace for cash at a lower price, in order to obtain the cash.

This is muraabahah which is valid according to Islam. For more information, please see the answer to question no. 36408.

But if the financer gives this money (one hundred million) to your friend on the basis that he will take it back from him in instalments, with an increase of 4%, then this is a riba-based loan, which is haraam, whether it is called financing or muraabahah. In fact calling it by this name is a kind of confusing and misleading trickery, which is also haraam.

The scholars are unanimously agreed that riba-based loans are haraam.

Ibn Qudaamah (may Allah have mercy on him) said: Any loan in which it is stipulated that more (than the original amount) be paid back is haraam, and there is no difference of scholarly opinion concerning that. Ibn al-Mundhir said: They are unanimously agreed that if the lender stipulates that the borrower must pay back more or give a gift, and he gives the loan on that basis, if he takes anything additional to that, it is riba. It was narrated from Ubayy ibn Ka‘b, Ibn ‘Abbaas and Ibn Mas‘ood that they forbade loans that bring benefits. End quote from al-Mughni, 6/436

What appears to be the case from your question is that this transaction is not of the first type. You did not mention any product that the financer bought then sold to your friend.

If the transaction is a riba-based loan, then your involvement in it is haraam, and what you must do is two things:

1.repent to Allah, may He be exalted, and do not do that again; and do not go ahead with any transaction before you find out the Islamic ruling on it

2.get rid of the money that you still have, because it came from haraam work; as for that which you spent before you found out that it is haraam, you do not have to do anything about it.

And Allah knows best.

ama ti si zapeo na tome, no nisi procitao moj clanak