NEMAN HALAL

Dr. Ahmad Bello Dogarawa, Abu Abdir-Rahmn

Sashen Koyar da Aikin Akanta, Jamiar Ahmadu Bello, Zaria +2348026499981 (abellodogarawa@gmail.com)

Dukiya aba ce mai kyau, wadda aka halicci mutum da xabiar sonta [Aadiyaat, 100:8; da Fajr, 89:20]. Dukiya jigon taimako ne ga addini da rayuwa [Ahmad], kuma mutuwa wajen qoqarin tsare dukiya ta halal naui ne na shahada [Ahmad; Bukhari]. Wadata hanya ce ta qarfafa wa bayin Allah gwiwar yin kyawawan ayyuka [Aaraaf, 7:96]. Wadata bayan talauci baiwa ce da Allah Ya ke yi wa bayinSa domin su qara himmatuwa wajen bauta maSa [Quraish,106:4]. Musulunci ya kwaxaitar da mabiyansa su riqa yin adduar neman wadata, kuma ma, yana daga alamar son mutum a yi masa adduar Allah Ya azurta shi da dukiya mai yawa, kuma mai albarka [Bukhari da Muslim].

Shimfixa [1]

Neman na Kai [1]

Tunatar da Musulmi game da yalwar qasa da muhimmancin yin fafutuka a cikinta wajen neman na kai [Mulk, 67:15; Aarf, 7:10] Yabo ga waxanda ke haxa ibada da neman arziqi [Nr, 24:37-38; Jumuah, 62:10] Gwama umurni game da bauta da kuma neman arziqi [Ankabt; 29:17] Fafutukar neman na kai naui ne na jihadi kuma alama ce ta tawakkali ga Allah [Muslim; Tirmidhi] Yin aiki domin a tsare mutunci sadaka ne, kuma hanya ce ta ba da sadaka.

Neman na Kai [2]

Kwaxaitarwa game da noma da kiwo da kasuwanci da sauran sanaoin hannu Rashin yarda da duk abin da aka samu ta hanyar vagas ko yaudara, da duk abin da aka mallaka ta hanyar haram Haramta barace-barace, da maula, da cutar mutane Haramta sadaka ga waxanda ba su cancanta ba

]Neman na Kai [3

Matsalar roqo da maula

Haxarin karvar abin hannun mutane ba bisa son ransu ba: ( )

Raba mutane da abin hannunsu ta hanyar naci: ()

Aibin amfani da hanyar zamba ko kushe don kai wa ga biyan buqata: ()

]Neman na Kai [4
Haxari, da kuma halin qasqanci da mai maula ke ciki : ( ) ( ) () Mummunar makomar mai maula idan bai tuba ba: . : . : () ()

]Neman na Kai [5
Yabo ga waxanda ke kamewa daga roqo ko maula, da kuma lamunce masu shiga aljanna a ranar qiyama: () ( ) . ( ) () : ( ) ()

]Neman na Kai [6
() : ( ) () () ()

]Neman na Kai [7
: ! : : .: : ( ...) " : " .

Hanyoyin Neman na Kai

Sanaar Hannu Saye da Sayarwa

Aikin Albashi

Noma da Kiwo

Abubuwan da a ka Hana
Haram Rashin tabbas

Jahilci

Riba

Masalar Riba []
Maanar Riba
Kalma ce ta larabci mai daxaxxen tarihi, wadda ta qunshi maanar

qaruwa ko daxuwa ko bunqasa. A sharance, kalmar tana nufin xabiar qara wani abu a kan adadin bashin kuxi da aka karva ko fifiko wajen musanyar abubuwan da riba ke shiga cikinsu. Tarihi ya nuna cewa tun fiye da shekara 4000 a ke muamala da riba a kasuwanci. Manyan addinai guda uku: Yahudanci, da Kiritanci, da Musulunci sun bayyana haramcin riba, kuma sun yi tir da Allah wadai ga masu muamala da ita. Shugabannin siyasa da masana falsafa kamar su Plato, Aristotle, Catos, Cicero, Seneca da Plutarch sun yi mummunar suka ga riba.

Masalar Riba [ ]- 2
Tarihin Haramcin Riba a cikin Yahudanci da Kiristanci
Yahudanci
A addinin Yahudanci, haramcin riba da tsawatarwa game da ita sun zo cikin tsohon

alqawari na littafin Baibul (Exodus 22:24-25; Leviticus 25:35-38; Deuteronomy 23:19-21; Ezekiel 18:8, 13:7, 22:12; Proverbs 28:8; Psalms 15:5; Nehemiah 5:7). Qarin bayani game da illar riba ya zo a cikin talmud. A kundin Jewish Encyclopaedia (1912), an kamanta mai karvar riba da mai kisan kai kuma mishnah ya hana karvar shaidarsa a kotu.

Kiristanci
An yi amfani da tanade-tanaden da ke cikin tsohon alqawari kuma an sabunta bayani

cikin sabon alqawari (Luke 6:34-35) A zamanin Charlemagne, a qarni na takwas, cocin Katolika ya zartar da cewa cin riba babban laifi ne, kuma mai yinsa ba za a yi masa janaizar kirasta ba idan ya mutu.

Masalar Riba [ ]- 3
Haramcin Riba a Musulunci
Riba a cikin Alqurani
Sukar riba ya zo cikin Alquani cikin ayoyi 12. Kalmar riba ta zo a waje takwas: 3 a

2:275; 1 a 2:278, 2:279, 3:131, 4:161 da 30:39

Matakan haramta Riba a cikin Alqurani

Fifikon Sadaqah a kan Riba [30:39]; Zargin Yahudawa dangane da karvar riba [4:160-

161]; Haramta riba idan ta kasance ninkin-ba-ninki [3:130-132]; Haramci gaba xaya [2:275-279]

Riba a cikin Hadisi

Xaya daga cikin abubuwa guda bakwai masu halakarwa; Tsinuwa a kan wanda ya bayar

da riba ko ya karva ko ya yi shaida ko ya rubuta; Cin riba da gangan ya fi zina muni sau 36; Riba na da vangarori 73, mafi qaranci shi ne kamar mutum ya auri mahaifiyarsa; Babu wanda zai yawaita cin riba face ya qare cikin talauci

Ina Mafita?

1. Bankunan Kasuwanci na Musulunci 2. Qananan Bankuna na Musulunci 3. Tsarin Takaaful

Maanar Bankin Musulunci

Wikipedia: Bankin da a ke gudanar da hada-hadarsa bisa

tsarin Shariar Musulunci. Organisation of Islamic Countries (OIC): Duk wani banki da ya fito qarara ya bayyana cewa zai gudanar da hadahadarsa bisa tsarin Shariar Musulunci da hana wa kansa muamala da riba a cikin dukkan hulxoxinsa. A taqaice, bankin Musulunci shi ne bankin da ya yi iqirarin cewa zai gudanar da tsare-tsarensa, da tanade-tanadensa, da hada-hadarsa bisa tsarin Sharia, kamar yadda ya ke qunce cikin littafan muaamalaat

Taqaitaccen Tarihin Bankin Musulunci An danganta tarihin bankin [1] Musulunci zuwa shekara 1200 a
Baghdad, Damascus, Fez da Cordoba . An buxe bankin ajiya a Mit Ghamr, Egypt a 1963 1967 A 1970s, cibiyoyin gwabnatoti sun shiga cikin harkar, kuma an gudanar da tarurrukan qara wa juna ilmi a Karachi (1970), Egypt (1972), Mecca (1976), da London (1977). A 1971, an buxe Nasr Social Bank, Egypt; a 1973, Philippine Amanah Bank; a 1975, Dubai Islamic Bank; da kuma Islamic Development Bank (IDB). A tsakanin 1983 1988, qasashen Sudan, da Pakistan da Iran sun kammala shirye-shiryen tsara tattalin arziqinsu bisa tsarin Sharia. Tun daga nan, IMF, World Bank da manyan bankunan kasuwanci na duniya suka shiga cikin harkar.

Taqaitaccen Tarihin Bankin Musulunci [2] A qarshen 2010:

Kuxin da a ke hada-hada da shi: US$1.3 trillion. Hannun jarin cibiyoyin hada-hada: US$230 billion, kuma duk
shekara yana qaruwa bisa kimanin 12% zuwa 15% Akwai fiye da cibiyoyin hada-hada 300 da ke muamala a qasashe 75 a duniya. Manyan bankunan kasuwanci na duniya irin su Standard Chartered; Citibank; HSBC; Bank of America; Barclays; Deutche Bank; Royal Bank of Canada sun buxe rassa na musamman ko wani sashe a cikin bankunansu don gudanar da bankin Musulunci.

Faidodin Bankin Musulunci a Nijer

Samar da aikin yi, kasancewar duk bankin da zai yi hada
hadarsa qarqashin tsarin Musulunci zai xauki sabbin maaikata. Amsa kiran Musulmi, wanda yawansu bai gaza miliyan 78 a cikin miliyan 160 na yawan mutanen Najeriya ba. Musayar qwarewa tsakanin Najeriya da qasashe ko cibiyoyin da suka ci gaba a fagen bankin Musulunci, musamman cibiyar IDB. Qara samun damar yin gogayyar gudanar da hada-hadar banki ta hanya mafi inganci a tsakanin bankuna. Ba da dama ga masu a jiya da `yan kasuwa su iya zaven bankin da ya fi masu.

Bankin Musulunci a Qarqashin Tsarin Bature

Conventional banks Islamic banks

Conventional banks

window

Conventional banks

Islamic Banking Subsidiaries

Insurance Companies

Takaful Operators

Tsarin Bature

Tsarin Musulunci