Waxa uu ku bilaabey Aayado faro badan oo xaarantimaynaya RIBA-da, waxa uu kusoo celceliyey hadalo ay ka mid yihin “Haddey raban inay bangiyo sameystaan, wa sifiican, laakiin waa inay bixiyaan Qard al xasan (القرض الحسن)” waxa uu khudbadii ku gabobabeeyey kalmaddan:
Waxaanu diiddannahy wixi ay shareecadda Alleh (SWC) diidanyahay (نخالف كل مايخالف شريعة الله), kadib waxaan iswaydiiyey su’aalahan:
- Horta sheekhow Bangigee bixiya hadda Qardul Xasanka (القرض الحسن)?
- Qaladaadka badan ee ay sameeyaan bangiyadeenu maxaad uga hadli waydeen, ma aqoonta bangiyadda islaamka idinku yar, ma ku dhac baydaan laheyn, mise sida la sheegayo mulkiilayaal (share holders) bad tihin?
- Doodan ah inu waddanku yeesho (Dual banking system) ma dood cusub baa?
Hordhac
Sidaan wada ogsoonnahay (Riba) du waa Xaaram, doodna kama taagna inay xaaram tahay, xikmaddaha loo xaarantimeeyeyna waxa kamid ah:
- In qofka duruuf-dhaqaale ama baahi maaliyadeed qaba aan loogu darin Dulsaar;
- In ay yaraato farqigga (Gap) ka udhaxeeya qofka maalqabeenka(rich) ah iyo miskiinka (poor) si aanay u sameysmin dabaqado nololeed(Social classes);
- iyo in beeraleydu hesho maaliyad (lacag) ay beertooda ku qotaan.
Haddaba sheekow hadaad ogsoontay ujeedooyinka bangiyadda islamka ah loo aasaasey waxa weeyi si saddex (3) da qodob ee kor ku xusan u hirgalaan.
Sidaan qabo ujeedada 1aad ee bangiyadeenu wa inay faaido (profit) sameeyan, uma diidanin inay faaido sameeyan, lakin ma haboona in laga leexdo nidamki quruxda badna ee maaliyaded ee ay caanka ku ahaayen bangiyadda Islaamku, taas oo ay ka mid tahay in lawadaago khasaare iyo faaido ba (Loss and profit sharing). Waxa xusid mudan waxtarka barnaamijka (MicroFinance)-ka ee shirkaddaha qaar hirgaliyeen inkastoo wali baahi badani jirto. Haddi an uso noqdo nuxurka maqaalkan, waxa ku bilaabey doodayda, sida aw sheekhu kuso celceliyey,
- Bangigee bixiya Qardul Xassan (القرض الحسن)
Qardul Xassan-ku waxa weeyi marka qofi lacag aw ubaahanyahay la siiyo iyadoon dulsaar laga qaadeyn islama markaana uu ku soo celin doono wakhti cayiman gudihi, hadi aynu si kale u dhigno, waxa weeyi “lacag aan dulsaar lahayn oo lasiinayo qof ubaahan wakhti cayyiman gudihii”
Hadaba sheekhow wa bangigee ka isiinaya manta haddan lacag ubaahdo, isagoon dulsaar ama faa’ido (profit) laheyn? waa bangigee bangiga lacag siinaya qof mushaharkisu yahay $300 oo rabba inu kuso celiyo lacagta shan (5) sanno ugu yaraan? Halkee bu ku yaala bangiga lacag siinaya nin dhalinyar ah oo fikir iyo aqoon uu wax ku abuuro leh (entrepreneur)? Sheekhow bangi-yadeenu ma qaadi karaan masuuliyadda bangi Islamic ah, taas oo ah inu faaido iyo khasaare ba la wadaago macaamiishisa? Maxayse bangiyadeenu (Muraabaxo) mooyaane fikiro kale oo hore marinneed u abuuri waayen? Ma odhan karna waxa kuyar hal abuurnimada (creativity).
Waxa bangi-yadeenu caan ku yihiin in marka uu qofi lacag (maaliyad) rabo uu Muraabaxo loo so bandhigo, iyadoo ay jiri karan fikiro kale oo lagu maalgalin karo qofkaas, taas oo labada (2) da dhinacba uga faa’ido badan marka nidaamka “Muraabaxadda” lagu maal galinayo. Tusaale ahan, qof ubaahan maaliyad dhan $5,000 waxa laga yaaba in lagu yidha gaadhi ban ku iibinayna intaas ah, iyo faa’ido dhan 20%. Qof ki lacagta rabay waxa laga yaaba inu dib u iibiyo gaadhigo si uu lacagtu rabey uhelo.
- Qaladdaadka ay sameeyaan Bangiyadeenu maxad uga hadli waydeen?
Qaladaadka ay bangiyadeenu sameeyan waxa kamida habka loo isticmaalo nidaamka “Muraabaxadda”. Intaynan hoos usi galin qodobkan, aynu isla garanno wa maxay Muraabaxadu, iyo shuruuda looga baahanyay muraabaxadda.
Muraabaxadu sida aw sheegay. Sh.Taqi Usmani waa “Iib gaar ah oo laba dhinac dhex maraaya iyadoo la cadeynayo inta aw yahay cost (kharashka alaabtu) iyo faa’ida (profit) aw rabo qofka iibinaya alabtu (seller)” Mufti Taqi Usmani waxa uu leeyey maadama ay muraabaxadu tahay Iib iska caadiya mahaboona in ay noqoto nidaam wax lagu maalgalinayo. Si ay Muraabaxadu sax unoqoto waxa jira shuruudo looga baahanyey Muraabaxadda, hadi shuruudaha lawaayo maaha sax muraabaxadu waxa weeyi;
- Waa in Qofka/Meherada/Bangiga alaabta iibinaya aw yahay mulkiilaha rasmiga ah, sido kale wa inay alaabtuy gacantiisana ku jirta.
- Alaabta la iibinaya waa in ay jirta oon la mala awaalin.
- Wa in alaabta la taaban karo, oo aan howo la kala iibsan.
Haddaba sheekhow waxaad iisheegta “tusaale ahan hadaan rabo inan gaadhi iibsado” bangiga iga iibinaya gaadhi aw leeyahay? Waxaad iisheegta bangiga leh macrad gawaadhida lagu iibiyo? ama leh store (meel gaadiidka lagu xareeyo)? Miyaan la odhan Karin waxay ka cararayaan/diidaya khatarta lahaanshiyaha (Ownership risk or inventory risk).
- (Dual banking system) wanaddan inu yeesho ma dood cusubba?
Sidaan ogsoonnahay waddamadda caalamka Islamku waxa ay wada leeyihin bangiyo ribbawi ah iyo kuwo Islamic ah, waxa ka mid ah wadamaddas, Pakistan, Saudi Arabiya, Kuwait, Qadar, Sudan, Egypt iyo kuwo kalo badan, maxa loo xidhi waayey sheekhow bangiyadda riba-wiga ah, iyadoo la ogsoonyahay inay usobob ahaayeen khasaarihin maaliyadeed ee 2008 -2009ki, ma tahay dood hadda bilaabmatey mise wa dood qoraalo badan laga qoray.
Gabogabadii
Waxaan soo jeedin laha in la balaadhiyo doodda, oo la is waydiiyo maxa inoo faa’ido leh. Maaha un inaynu Sidi awowyaasheen odhan jireen marka wiil school lagu daro, “hebel waa la gaaleysiinaya” yeynaan odhan dalka wa la gaaleysiinaya ee wixi ina anfacayya aynu ka hadalno, ka doodno, cilmiyeyno, Bang-giyadda waddanku waxaan qaba runti in loo baahanyey cid la tartanta si ay ubadato hal abuuradu (entrepreneurs).
Alle Xaqqa ha ina waafajiyo
Abdirahman Muse
Alfaruk_76@yahoo.com.
