Islami Banking Maizaan Shariat - Banking Islami Law

 'Islami banking؛ maizaan Shariat mein!'

Duniya ke globle village ban'nay se maeeshat, tijarat aur maahdat mein peda honay wali nnat nai sooraton ki sharai hesiyat ka jaiza lainay, awam al naas ko jadeed muashi masail se mutaliq sharai aagahi dainay, khasosan islami banking mein raaij mrabha, mesharka aur mzarbah waghera ki sharai hesiyat jan-nay, un masail ka sharai mutabadil paish karne avrmlki maeeshat ko sharai khutoot par ustuwar karne ke liye,' almdinh islamic reserch center, Karachi ki janib se aik Simi naar baanoon' islami binkari sharai maizaan mein' munaqqid kya gaya jis mein malik ke maaya naz ulma o mahireen maeeshat ne khitaab kia aur mutallka mozuaat par –apne Ilmi maqalah jaat paish kiye. seminar mein kaseer tadaad mein ulma o mftyan karaam, islami binkari se mutaliqa shaksiaat, sarmaya daraan aur aala taleemi idaron ke usaatzaa o profacor aur talba ne shirkat ki .

Seminar ke aakhir mein murawaja islami binkari ke nizaam mein islahat aur sahih islami binkari ke qiyam ke liye almae karaam ki bayan kardah tajaweez ki roshni mein ahem sifarshaat paish ki gayeen jo darj zail mozuaat ke tehat bayan ki jarahi hain :

1. Tamheed

2. Murawaja islami banking mein mojood sharai qbahtin

3. Sahih islami binkari ke liye bunyadi tajaweez

4. Deegar umomi sifarshaat

1. Tamheed

Soodi nizaam par mabni nizaam binkari yaqeenan kisi bhi muashray aur is ki iqtisad o tijarat ke liye zeher hlahal jabkay allah aur is ke rasool? ke sath khula aalanِ jung hai, jo kisi bhi muashra khasosan muslim muashra ke liye hargiz qabil qubool nahi. aik musalman chahay aalam ho ya tajir ya koi aur hesiyat rakhta ho, is ke liye zaroori hai ke apni zindagi ke tamam pehloon par umooman aur apni amdan vtjart par khasosan islami maliyati aُsol baadi ke amli nifaz taddbeek ke liye srgrdan rahay. soodi binkari ke bil-muqabil islami binkari ka rivaaj o tanfeez bhi yaqeenan isi soch ki akkaas aur Laiq tehseen hai. soodi binkari ki intehai pukhta o mazboot imarat aur nizaam se hatt kar khalstan islami bunyadon par qaim binkari nizaam ka qiyam yaqeenan intehai dushwaar guzaar hai jis ke liye jad-o-jehad karne walay tamam ulma aur karobari hazraat Laiq tareef hain .

1. Faqhi Ajtehadaat: Islam ke faqhi sharri zakheeray mein jin usooli bivi par islami binkari ke mamlaat ko qiyaas kya gaya hai, kya un usooli bivi aur islami binkari ke liye mujawaza nizaam mein mutabqat bhi hai ya nahi? aur kya un usooli bivi ki sharai quyood o sharait ka islami binkari mein khayaal rakha gaya hai ya nahi? misaal ke tor par islami bank ke bachat khatah ( saving account ) ko sharai mzarb_h par qiyaas kya jata hai to fqhi hawala se is baat ki nishandahi zaroori hai ke kya bachat khatah ka nizaam aur is ki tamam quyood o sharait sharai mzarb_h ke mutabiq hain ya nahi ?

2. Amli tatbeeq: yani ulma ne behas o tmhis o ajtehaad ke zariye islami binkari ke liye jo usooli nazriyati nizaam tajweez kya hai to amli taddbeek ke hawalay se is ka jaiza lena nihayat zaroori hai ke islami bankon mein amli tor par jo maahdat wuqoo Pazeer hotay hain, woh islami binkari ke liye mujawaza nizaam se haqeeqi mutabqat bhi rakhtay hain ya nahi? un tamam maahdat ki har shaqq aur har shart ki nihayat bareek beeni se jaanch partaal intehai zaroori hai ؛ kyunkay basa auqaat aik shart poooray muahiday ko haraam soorat mein badal deti hai, aur basa auqaat muahiday mein amli lehaaz se mamooli si tabdeeli poooray maamla ko soodi maamla ki shakal day deti hai. aksar auqaat aisa bhi hota hai ke kisi maali moahida ka usooli aur nazri dhancha aur khaka bilkul durust sharai nizaam par mabni hota hai lekin amlan bankon mein is sharai tareeqa car ko sahih tareeqa aur haqeeqi rooh ke mutabiq zair amal laya nahi ja raha hota .

2. Murawaja islami banking mein mojood sharai qbahtin

1. Sharai qbahton ke bayan mein wazeh rehna chahiye ke un sifarshaat mein almae karaam aur binkar hazraat hi ko mukhatib kya gaya hai jo ke un maahdat ki tfasil se bakhabar hain, isi liye un sifarshaat ko ihata tehreer mein laatay hue ikhtisaar se kaam liya gaya hai. tafseel ke taalib afraad' almdinh islamic center' aur is mauzo par likhi jane wali kutub ki taraf rujoo karen .

1 ) Mazarbah

Murawaja islami bankon mein raaij mzarb_h, sharai mzarb_h ke aُsolon par poora nahi utar tajis ki bunyadi wajohaat yeh hain:

3. Dipositor  jo ke Rab almaal hai, usay is ke sarmaya se jo kaarobar kya ja raha hai, aetmaad mein nah liya jana.

3 ) Msharka matnazka ( diminishing musharaka )

Yeh aik moahida mein do muahiday hain, yani msharka ka moahida phir isi moahida mein is ke tanaqas ( diminish ) ka moahida .

12. Bank ki taraf se yeh wada lena ke gahak is cheez mein bank ke shiyrz aqsat mein bank se khareeday ga, yeh shart is msharka mein bank ke sarmaya aur munafe ki zamanat hai, aur msharka mein sarmaya ki zamanat is msharka ko sood y maamla mein tabdeel kardeti hai .

13. Aqsat ki adaigi mein takheer ki soorat mein sadqa ki shart lagai jati hai jo darasal takheer mein jurmana hai jo ke haraam aur sood hai .

4 ) Mrabha

Murawaja islami bankon ke nizaam mein raaij mrabha, aam sharai mrabha nahi balkay مرابحة للآمر بالشرآء hota hai, yani gahak ke mutalba par bank is ke liye matlooba samaan kharidata hai aur apna munafe mutayyan kar ke aqsat mein gahak ko bichta hai .

Bank khredar se wada laita hai ke jab bank gahak ka matlooba samaan khareed le ga to gahak is se laziman yeh samaan khareeday ga. yeh wada bzatِ khud aik moahida ki soorat ikhtiyar kar jata hai. phir is mein bee مالایملك ki qabahat ajati hai yani aisi cheez ko bechna jis ka woh maalik nah ho .