Credit, Sharia law based credit and so on

[Arhimed]

Muhtaram forumdoshlar, hozirgi kunda vatanimizda credit uyushmalari va lombardlar yomg'irdan keyin chiqqan qo'ziqorinday ko'payib bormoqda. Microcredit tashkilotlari biznisni rivojlantirish va kambag'alchilikni komaytirishga hissa qo'shadi deb oqlashga urinishlar bor. Fuqarolar inflatsiyagadan zarar ko'rmasligi uchun credit uyushmalaridagi depositlaridan foydalanishi yo majbur bo'lganda credit olishi diniy tarafdan qanday chegara va ruhsatlar bor.

Kimda kim diniy tarafdan credit, foiz olish to'g'risida qanaqa malumot, adabiyotlar bo'sa post qilsalaring, bir muhokama qilardik.

[Ahmet]

Hurmatli Archimed,
mani bilishimcha Kreditning qanday turi bo'lishidan qatiy nazar, foiz ila aloqasi bo'lganligi uchun harom deb bilaman.
O'zbekiston'dagi ahvolni emas umumiy sifatda (Islomiy ko'rishga ko'ra) daje, biron narsa sotib olsangiz o'sha produktning narhini ham qisman to'lash imkoni (finantsirovat shekilli ruschasi) ham coiz emas deb bilaman.

Ammo bazi diniy olimlarning aytishicha (o'zim to'grisi ikkilanib o'yleman) aktsiya sotib olishga izn berilyaptiki chunki riskni 50/50 bo'lganligi uchun Akts.obshestv. agar bankrotga kirsa siz ham shu ammo yutuqlarni qo'lga kiritsa siz ham foydalanasiz.

To'grisini tabiki Alloh biladi.

[Rise_n_Fall]

Ahmet birodar,
fikrizcha agar kishi biror narsa sotib olsayu pulini bo'lib-bo'lib to'lasa u ham harom bo'ladimi?
agar o'sha narsa qimmatligidan uni bir martaga to'lash imkoni bo'lmasachi?

[Lopiddin]

мани фикримча бу ерда пул билан алока килиш этилвотти!!
нарса олиш бу бошка нарса, тем более унга процент кушип бермайсиз!! кредит олиш - бу сизга карз олиш эмас!! буни фаркини тушунтиришга хожат хам йук булса керак!!

[Ahmet]

Ahmet birodar,
fikrizcha agar kishi biror narsa sotib olsayu pulini bo'lib-bo'lib to'lasa u ham harom bo'ladimi?
agar o'sha narsa qimmatligidan uni bir martaga to'lash imkoni bo'lmasachi?

man o'zimdan misol keltiray: o'tkan yili bir PC olmoqchi edim. Narhi ham 500 € edi. Lekin tabiki bo'lib bo'lib to'lash imkoni bor edi. Manga 3 oyda 180 € dan to'lash imkonini berdi sotuvchi. Yani 3 oyda (foizi bilan) 540 € tutardi.
Ammo man rozi bo'lmadim va hazillashib "...foizi bor ekan" deb chiqayotgan edim, sotuvchi manga "...agar 2 oyda to'lasang 250 €dan yani hammasi bo'lib yana o'sha 500 €ga keladi" dedi

Bu man uchun juda ham suyunarli holat edi va ikkilanmasdan ham 2 oyda hech foizsiz sotib oldim.
---
To'gri, hammaning holati harhil, har doim ham shunday imkonlar bo'lavermaydi lekin man o'zim uchun gapirsam, imkonim boricha pulimni to'plab o'z narhiga to'lashga harakat qilaman.
Agar qimmat bo'lsa (va oyog'imni ko'rpamga qarab uzatadiganlardan bo'ganligim uchun:) pulim yetganini olishga harakat qilaman.
Chunki foiz berish (to'lash) mening uchung foiz olishning o'zidir.

Aytganimdey bu man uchun tegishlidir.

Hurmatlarimla

[Arhimed]

Hurmatli Archimed,
mani bilishimcha Kreditning qanday turi bo'lishidan qatiy nazar, foiz ila aloqasi bo'lganligi uchun harom deb bilaman.
O'zbekiston'dagi ahvolni emas umumiy sifatda (Islomiy ko'rishga ko'ra) daje, biron narsa sotib olsangiz o'sha produktning narhini ham qisman to'lash imkoni (finantsirovat shekilli ruschasi) ham coiz emas deb bilaman.

Ammo bazi diniy olimlarning aytishicha (o'zim to'grisi ikkilanib o'yleman) aktsiya sotib olishga izn berilyaptiki chunki riskni 50/50 bo'lganligi uchun Akts.obshestv. agar bankrotga kirsa siz ham shu ammo yutuqlarni qo'lga kiritsa siz ham foydalanasiz.

To'grisini tabiki Alloh biladi.


Endi sizga bitta puzzle:

Deylik Toshkentga viloyatdan kelib sihlab yuribsiz, uy olmoqchsiz, creditdan boshqa yo'li bu 10-15 yil ijarama ijara ko'chish....bu holatda credit harommi?

Yoki 3 ta og'liz bor. 2 tasini uylantirdiz hovlizni bir chetida qo'nim topib tuishdi, ammo 3 kelinni oldiz, uze hech qaerga sig'maydi, kunda kunaro kelinlar duel qib turibdi. Hullas farmonbibini uyi. Uni ustiga yana bo'yi etib qolgan qiziz bor, turmushga berish kerak. Creditga uy olishdan boshqa imkoniz qolmadi, unda nima qilasiz?

Ishsiz yurgan bekorchi, matizni credit olib tirikchilib qilib yuribsiz. Bundachi?

[Lopiddin]

:lol: акалар, агар пули булмаса 3 келинни битига оладими?? - бу бир,
2 жидан бола чакага уй килип бериш кайси китобда езилибди??
тирикчилик деб бола чакани хам уйла кегин уларни корнини бок яна уй хам килип берадими??? бу ота онага булган бехурматлик булдику!!
ота она болага уй килиб беришга хеч хам МАЖБУР ЭМАС!!!
рахмат силарга!!

[wow_kabob]

agar perasint urtaga qoshilsa u harom buladi

lekin USA da musolmonlani banklari bor shunaqa holatlada yordam berishadi ula lekin kup emas faqat CA da ulani kupinchisi

[Arhimed]

:lol: акалар, агар пули булмаса 3 келинни битига оладими?? - бу бир,
2 жидан бола чакага уй килип бериш кайси китобда езилибди??
тирикчилик деб бола чакани хам уйла кегин уларни корнини бок яна уй хам килип берадими??? бу ота онага булган бехурматлик булдику!!
ота она болага уй килиб беришга хеч хам МАЖБУР ЭМАС!!!
рахмат силарга!!

savol boshqacha qo'yildi, diqqat bilan o'qing

[Lopiddin]

savol boshqacha qo'yildi, diqqat bilan o'qing

Сиз саволни уйлаб беринг!!

[wow_kabob]

Uzbekistonni belmadim lekin USda 0% olish mumkin faqat 1 yil gacha 1 yildan kegin ogan narsizni pulini tulashiz kerak 1 yildan kegin oshsa kegin % oladi

[Ahmet]

Endi sizga bitta puzzle:

Deylik Toshkentga viloyatdan kelib sihlab yuribsiz, uy olmoqchsiz, creditdan boshqa yo'li bu 10-15 yil ijarama ijara ko'chish....bu holatda credit harommi?

Yoki 3 ta og'liz bor. 2 tasini uylantirdiz hovlizni bir chetida qo'nim topib tuishdi, ammo 3 kelinni oldiz, uze hech qaerga sig'maydi, kunda kunaro kelinlar duel qib turibdi. Hullas farmonbibini uyi. Uni ustiga yana bo'yi etib qolgan qiziz bor, turmushga berish kerak. Creditga uy olishdan boshqa imkoniz qolmadi, unda nima qilasiz?

Ishsiz yurgan bekorchi, matizni credit olib tirikchilib qilib yuribsiz. Bundachi?

Misoliz uchun rahmat lekin man yuqoridagi keltirgan o'rnakni o'zim uchun tegishli dedim.
Foiz qo'shilgan ishlardan uzoqroq turaman. Holaganlar borsin osin Kreditini, mani qiziqtirmeydiku, to'grimi?

[Vector]

kim biladi uy uchun mortgage osa boladimi? yoki business uchun? foizi bor, eshitudim bir hil sheyhla fatwo chiqarishibti halol deb faqat uy uchun?!

[Gerkules]

Foizi bo'lmasa, inflyatsiya, bankning xarajatlari, kredit risk va hokazolarni katta xolangiz to'laydimi?
Qadimda, qog'oz pullar o'rniga oltin pul o'rnida ishlatilgan.
Shuning uchun inflyatsiya deyarli bo'lagan. Chunki oltinni miqdori chegaralangan.
Shuning uchun odamlar pul qadrsizlanishidan qo'rqmasdan, foizsiz qarz berishi umkin bo'lgan.

[Alesser]

nima busa busin, oy uzulib erga tushsa tushsinu ribo bu horam, Alloh harom degan va qilgan narsani hecham halol deyishdan Hudo saqlasin... unday-bunday deymiz, bahonalar qidiramiz bularni hammasi bahona bulib qolaveradi, Quronda Alloh harom deb quygan narsani biz qanday qilib halol deyishimiz mumkin... Hattoki Quron oyatlarida aytilgan ribo olsangiz darhol undan qutulib tavba qiling, bulmasam Alloh va Uning Rasuli s.a.v. ribo olganga urush elon qilgan deb ogohlantirilgan ham... bu foiz (ribo) bor joyda barakayam bumidi...
Business qimlmoqchi buganlar invest qilayotgan pulingizni qayoqdan kelayotganiga judayam ehtiyot bulinglar, shunki boshida ozgina bulsayam harom aralashib qolgudek bulsa hamma ish barbod bulishi mumkin, businessda baraka degan narsa bumasa, agar ishlar yahshi bup ketgan taqdirdayam usha topilgan daromaddan odammi uziyam yeydi bola-chaqasigayam yediradi... endi ozgina harom aralashdimi oqibati ancha nohush narslargayam olib kelishi mumkin...
bunga mana uzim misol, uzi qilingan gunohlarni eslab bumidiyu, shu boshqalarga urnak busin qaytarilishini oldini olish uchun aytib utmoqchiman... Uzim Hudoga beadad shukur ishlarim juda yahshi edi (hoziram yahshi Uzinga shukur)... shu bir narsa bahona bulib bir ish boshlash uchun credit olgandim, ja unaqa kupmasu har qalay yirik summa... ushanda shu creditni olmasam ham boshqa yullar bor bulsayam shu yulni tanlagandim, shundan keyin baraka degan narsa ketgan ming-minglab pul topilardi qayoqqa ketganini bilib bumasdi... xullas uzimmi kamtarona maslahatim, nima bulsa bulsin, kim nima desa desin lekin shu narsadan yiroq yurilar, yahshilab Hudodan surab boshqa variantlarniyam uylanglar albatta yuli topiladi... Hozir Islomiy banklaram bor deb eshitganman, afsuski biror bir tuliqroq ma'lumot yuq manda, lekin izlasa Hudo Hohlasa albatta topiladi...

[Arhimed]

Сиз саволни уйлаб беринг!!

Ukam san hali yoshlik qilarkansan muhokama degan narsaga qo'shilishgaSavol to'g'ri qo'yildi

[Arhimed]

avval adabiyotlarni bir ko'rib chiqish kerak keyin muhokama qilish kerak shekilli, chunki ancha odamlar ironiochesni javob qaytarishmoqda, asoslanga javob berishni o'rnigaQard Hassan (Good Loan)This is a loan extended on a goodwill basis, and the debtor is only required to repay the amount borrowed. However, the debtor may, at his or her discretion, pay an extra amount beyond the principal amount of the loan (without promising it) as a token of appreciation to the creditor. In the case that the debtor does not pay an extra amount to the creditor, this transaction is a true interest-free loan. Some Muslims consider this to be the only type of loan that does not violate the prohibition on riba, since it is the one type of loan that truly does not compensate the creditor for the time value of money [4].[edit] Sukuk (Islamic Bonds)Main article: SukukSukuk is the Arabic name for a financial certificate but can be seen as an Islamic equivalent of bond. However, fixed-income, interest-bearing bonds are not permissible in Islam. Hence, Sukuk are securities that comply with the Islamic law and its investment principles, which prohibit the charging or paying of interest. Financial assets that comply with the Islamic law can be classified in accordance with their tradability and non-tradability in the secondary markets.Conservative estimates suggest that over US$500 billion of assets are managed according to Islamic investment principles. Such principles form part of Shariah, which is often understood to be Islamic law, but it is actually broader than this in that it also encompasses the general body of spiritual and moral obligations and duties in Islam.[edit] Takaful (Islamic Insurance)Main article: TakafulTakaful is an alternative form of cover that a Muslim can avail himself against the risk of loss due to misfortunes. Takaful is based on the idea that what is uncertain with respect to an individual may cease to be uncertain with respect to a very large number of similar individuals. Insurance by combining the risks of many people enables each individual to enjoy the advantage provided by the law of large numbers.In modern business, one of the ways to reduce the risk of loss due to misfortunes is through insurance which spreads the risk among many people. The concept of insurance where resources are pooled to help the needy does not contradict Shariah. However, conventional insurance involves the elements of uncertainty (Al-gharar) in the contract of insurance, gambling (Al-maisir) as the consequences of the presence of uncertainty and interest (Al-riba) in the investment activities of the conventional insurance companies that contravene the rules of Shariah. It is generally accepted by Muslim jurists that the operation of conventional insurance does not conform to the rules and requirements of Shariah.[edit] Wadiah (Safekeeping)In Wadiah, a bank is deemed as a keeper and trustee of funds. A person deposits funds in the bank and the bank guarantees refund of the entire amount of the deposit, or any part of the outstanding amount, when the depositor demands it. The depositor, at the bank's discretion, may be rewarded with a hibah (gift) as a form of appreciation for the use of funds by the bank. In this case, the bank compensates depositors for the time-value of their money (i.e. pays interest) but refers to it as a gift because it does not officially guarantee payment of the gift.

[Arhimed]

Mudarabah (Profit Sharing)Mudarabah is an arrangement or agreement between the bank, or a capital provider, and an entrepreneur, whereby the entrepreneur can mobilize the funds of the former for its business activity. The entrepreneur provides expertise, labor and management. Profits made are shared between the bank and the entrepreneur according to predetermined ratio. In case of loss, the bank loses the capital, while the entrepreneur loses his provision of labor. It is this financial risk, according to the Shariah, that justifies the bank's claim to part of the profit.[13] The profit-sharing continues until the loan is repaid. The bank is compensated for the time value of its money in the form of a floating interest rate that is pegged to the debtor's profits.[citation needed][edit] Murabahah (Cost Plus)Main article: MurabahaThis concept refers to the sale of goods at a price, which includes a profit margin agreed to by both parties. The purchase and selling price, other costs, and the profit margin must be clearly stated at the time of the sale agreement. The bank is compensated for the time value of its money in the form of the profit margin. This is a fixed-income loan for the purchase of a real asset (such as real estate or a vehicle), with a fixed rate of interest determined by the profit margin. The bank is not compensated for the time value of money outside of the contracted term (i.e., the bank cannot charge additional interest on late payments); however, the asset remains in the ownership of the bank until the loan is paid in full.This type of transaction is similar to rent-to-own arrangements for furniture or appliances that are very common in North American stores