BANKING IN ISLAM

'Banking in islam'
aaj puri dunia ki economy banking pr depnd h or
banking ka base intrest hai ...means ek bank
apne consumer s paisa 1% pr paise collect krta h
or fir us total paise ka 90% apne se bde bank ko
zyda prcentage pr deta h or isi trh s ye chain
chlti h ...isliye jb ek bde bank ka diwaliya niklta
h to chote bank khud b khud barbad ho jate h.isi
trh ek bnk jo apne consumer s 1 % interst pr
paisa leta wahi bank zarurat mand ko 10 -12 %
interst pr loan deta h ..jiska natija y hota h ki
insan sari zindagi us bank ka installment deta
deta mar jata h lkin us bank ka loan khtm nhi
hota h.jiski wjh s amir or amir hota h or garib
hota jata h ..
englnd k ek writter John Perkins n banking pr ek
book likhi h jiska nam h Confessions of an
Economic Hit Man is book m wriier n sabit kiya h
ki kis trh interst ki wjh s mulk m
berozgari ,crime ,or poority badhti hai..
Hamari country m jo banking system hai wo islami
nhi hai or esi banking haram h islam mai kuki ye
riba hai ...
Sood ek esa ganda kam hai jiski wjh se ameer
garib ka khoon chusta hai islye Allah k nabi
sallallahu alahyi wassallam ne farmaya sood k
gunah k 70 darje hai jiska sbse chota darja ye
hai jisne sood liya ya diya goya esa hai jisne
apni maa k sath zinah kiya.. (hazrate umar ka
koul hai :sabse akhri ayat jo nazil hui wo riba hai
aur uske bad jald hi nabi sallallahu alahyi
wassallam ka inteqal ho gya aur wo poori tafsir
uski bayan na kr sake...chor do sood ko bhi or
jisme sood ki zara c b gunjaish ya subah
ho ..bajye iske isme wajh na dhundho balki subah
ho jye tou chordo us kam ko..
Islam mai banking ka kya solution diya hai..aaj
poori duniya ka economy banking pr depnd hai or
bnking ka base intrst hai isi wjh se englnd mai
kai islamic bank khule jinka base intrst nhi blki
zaqat hai ..islami banking mai bank consumer se
jitna paisa leta hai utna hi wapas krta lekin isi k
sath jo bande apne psss 85gm gold ya ya uske
barabar ya usse zada extra prprty rkhtey hai
unko hr sal apni total saving ka 2.5%zaqat dete
rehtey hai jo apni zarrorat k liye soodi bnk se
10-15byaj pr loan lete hai fir sari umr usey
utarne m lg jati ..soodi bnk se loan lena jese
home loan car loan etc ..ye sb riba ka hissa hai ..
nabi sallallahu alahyi wassallam ne farmaya k jo
log sood denge ya lenge uski cheetey her ek per
ayengi ..or ap log dekhiyye hm log majboori m
soodi bnk se loan letey hai ya koi bike ya car lete
hai lekin uski naqad peymnt nhi kr patey jis wjh
se shoopkeeper hme bolta hai k ap do sal ki
kiston (intalmnt ) m paymnt kr dena wo chiz
apko naqad 10'000 m milti h lekin naqad paymnt
na krne se apko wahi chiz do sal mai 15'000 ki
paymnt krni hai tou ye 5000 kis bat k..common
sence ki bat ye riba hai or haram hai ..
Islami bank esa nhi krta wo bank jo zaqat ki
amount hoti hai usko un zarroratmnd ko bina
intrst k deti hai or wapas nhi leti hai..
Hame islami bnking jayaz hai or jo hmari country
m or bnk hai unme svng ya loan lena haram
hai ...kuki ye riba ka hissa hai..
By war4u