Stanbic Bank Managing Director Bashir Awale (C ) addressing a press conference about the launching of Stanbic Islamic Banking in Dar es Salaam yesterday. Looking on are banks Director Personal Business Banking, Douglas Kamwando (L ) and Stanbic Head of Marketing and Corporate Affairs, Abdallah Singano.
Stanbic Bank Managing Director Bashir Awale (C ) after addressing a press conference on the launch of Stanbic Islamic Banking. Left is the bank's Director Personal Business Banking, Douglas Kamwando and Stanbic Head of Marketing and Corporate Affairs, Abdallah Singano. Stanbic Tanzania, moja kati ya benki zinazoongoza hapa nchini, inatarajia kuzindua mfumo wa benki unaofuata kanuni za Shariah tarehe 4 Mei, 2010.
Mfumo wa benki wa Shariah unaenda sambamba na kanuni za dini ya Kiislamu, ambao unakataza upokeaji na ulipaji wa riba. Pia uwekezaji wa fedha katika biashara ambazo huendana kinyume na maadili ya dini za Kiislamu hauruhusiwi.
Akizungumza na waandishi wa habari, Mkurugenzi mtendaji wa Benki ya Stanbic, Bwana Bashir Awale alisisitiza umuhimu wa huduma hii katika nchi hii, hasa ukizingatia uwepo mkubwa wa waumini wa dini ya Kiislamu.
“Tukiwa kama benki inayoheshimu tamaduni na imani za wateja wetu, tumeona umuhimu mkubwa wa kuwa na huduma ya mfumo wa benki wa Shariah nchini. Zaidi ya asilimia hamsini ya watanzania ni waislamu, kwa hiyo ni muhimu kwa benki kuwapatia huduma zinazoendana na matakwa ya imani yao”.
Tanzania itakuwa ni nchi ya kwanza kati ya nchi 17 iliyomo benki ya Stanbic, inayojulikana pia kama Standard Bank, kuanzisha huduma hii.
Uzinduzi huu utashuhudiwa na viongozi na wakurugenzi kutoka makao makuu ya benki ya Standard pamoja na viongozi wa Serikali, wafanyabiashara na viongozi wa dini ya Kiislamu.
“Tunaamini kuwa huduma hii itakuwa na mafanikio makubwa kwa watanzania na kuwa msaada kwa jumuiya ya waumini wa dini ya Kiislamu ambao hawaamini mfumo wa ulipaji na upokeaji wa riba”, alimalizia kusema Bwana Awale.
Kwa taarifa Zaidi:
Abdallah Singano
Head of Marketing and Corporate Affairs
Stanbic Bank Tanzania
+255 754 566944
+255 22 196343
mwisho wa siku...Budha banking kutakuwa na Jewish banking...taratibu tutaanza kutenganisha huduma za kijamii tokana na dini..
ReplyDeleteAnyway yote heri!
ok
ReplyDeleteso is this the marketing strategy to win over muslims not to deposit from other banks?
kwahiyo banks zingine zianzishe system sasa za kuvutia wateja kutokana na IMANI ZAO maana kila mtu ana imani/tamaduni yake!
maelezo tafadhali
Nafikiri wachangia mada wanahitajimaelezo zaidi ya hili.
ReplyDeleteNilivyoelewa mimi wamesema ISLAMIC BANKING not ISLAMIC BANK. Islamic banking maana yake shughuliza kibenki kwa taratibu za kiislam kama sikosei.
Nakumbuka hata Kenya Commercial bank kuna wakati walitangaza huduma hizo ikimaanisha unaweza akiba au fedha zako lakini hazizai riba (katika uislam riba haramu) kwa hiyo utalipia ghrama za kawaida za benki lakini huchukui riba.
Naomba kuwasilisha kama nimekosea maelezo, ni vema wahusika wakatoa ufafanuzi.
Kukiwa na taratibu hizo, hakumzuii mtu wa dini nyingine kupata huduma au hata muislam anayeridhika kuchukua riba anaweza kutumia huduma hizo.
Mnyarugusu - Muislam
Mimi sijaelewa, hii islamic banking ni kwa ajili ya waislam tu au ???
ReplyDeleteI dont think it is proper to identify a product according to a religious name or a particular group for two main reasons:
ReplyDelete1. it seems that the product is meant for those in that religion or group only even if it is not the case
2.it will encourage other religions and groups to launch products for their groups and religions hence destruction of national unity.
Such trend should therefore be discouraged
bashir ume lose weight umependeza saana kweli marafiki sometimes ni poa sana wanakupa ushauri mzuuri
ReplyDeleteAcheni nyongo za unafiki hiyo ni bank wala habaguliwi mtu ipo kwa ajili ya watanzania wa dini zote ..
ReplyDeleteWatanzania please let's be serious... Let's take a minute and remember what made us to be one of the peaceful countries in the region. Many nations that have experienced the effects of segregation....based on tribe, color and religious beliefs are now preaching integration... Now my own country that was so peaceful... there are some people that are trying to preach otherwise. Sad stuff....My so called brothers "Islamic bank.... founders". Take a note on world issues.
ReplyDelete(1)Globally: The world is under a financial meltdown:
-cause...greed
(2) Locally: Country men killing each other:
- cause...greed + religious/tribal belief
What's next... Tanzanians??
In my opinion the government should step in....because this is a recipe for disaster.
Ha ha ha haaa !! Nicheke mie. Eti unawapa pesa na wanakukata gharama za kuendesha akaunti (yaani ledger fees) kila mwezi, wanakata kuchukua pesa, na wanakata ATM fees, LAKINI RIBA HAWAKUPI.
ReplyDeleteHalafu ukienda kuomba mkopo KAMA KWELI NI ISLAMIC BANKING inatakiwa wakupe mkopo bila ya kukutoza riba, hebu tuambieni STANBIC je ni kweli mtatoa mikopo bila ya RIBA???
Seeing is believing. Kama kweli mmeleta Isalmic Banking nataka kuona mnatoa mikopo bila ya riba kwa Waislam (au kwa wateja wa Islamic Banking hata kama sio Waislam).
Otherwise ni utapeli wa mchana kweupeee kwa kisingizio cha kufuata taratibu za dini ya Uislam.
Nafikiri si vyema kuwa na Benki yenye kutoa huduma kulingana na dini ya mtu, kama Mwislamu riba ni haramu basi benki iwe/ziwe na mfuko maalum wa kuweka hizo riba kataliwa ili ziwe zinapelekwa kwa wenye kuhitaji.
ReplyDeleteKulinganisha na KCB si sahihi kwa kuwa Wakenya wameweka wazi mambo yao ya kidini na kikabila, hatuwezi kuiga kisichofaa. Serekali iingilie kati kukataza mambo kama haya.
Amani inamomonyoka taratibu kadri siku zinavyokwenda.
Mdau wa Fri Apr 30, 10:48:00 AM, acha umangi meza. Aliyekwambia Islamic Banking inaleta matatizo hayo yooote uliyoainisha ni nani?? Uingereza nchi ya kikristo kama inavyofahamika lakini takriban benki zake zoote zina huduma ya Islamic Banking. Banki kubwa Uingereza kama Lloyds TSB ina-promote Islamic Banking kila siku na Ukristo uko pale pale na unazidi kukua na wakristo wamekaa kimya na wengine wanatumia huduma hiyo. Kwahiyo mimi ninachoona maoni yako yameegemea kwenye chuki za kidini zaidi... Tembelea link ya benki ya hiyo hapo chini uielewe vizuri hii huduma. Asanteni.
ReplyDeletehttp://www.lloydstsb.com/legal/current_accounts_legal/islamic_account_legal.asp
Ankal tafuta Sheikh apige Darsa hapa. Huu utaratibu upo siku nyingi tena unatumika na mabenki mengi makubwa Duniani. Research za kuaminika zimethibitisha ya kuwa huu ni utaratibu bora kabisa duniani. Ki ujumla Muislam ni Dhambi kula RIBA (interest). hivyo muislam yeyote aliyekamilika kiimani hachukui wala kulipa RIBA. Mdororo wa kiuchumi uliotokea Duniani ulisabishwa na Riba kubwa za mabenki kwenye sekta za kiuchumi hali wakuu wa mabenki wakilipana Bonasi zisizoelezeka. Utaratibu wa kuweka pesa ktk misingi ya imani ya kiislaam umekamilika na ndio maana Mabenki yanafanya maamuzi, kama ipo dini yoyote yenye utaratibu mzuri uliokamilika, hakuna benki itaacha kuufuata ili mradi ulete wateja wengi na faida....swali hapa je upo? yale yale ya mahakama ya KADHI, wanaokata hata hayawahusu na hawaathiriki kwa njia yeyote! Mbona mnanunua products zimepigwa muhuri wa HALAL! kabla hamja comments kitu jiulize kwanza kwanini watu wenye akili zao timamu wameamua?
ReplyDeleteNawasilisha ndugu zangu!
Nafikiri wachangiaji wengi wamesukumwa na imani zao ktk kutoa maoni bila kutafakari vema. Tuchukue mifano ya huduma za jamii ambazo tayari zipo hapa Tanzania. Kwa mfano ziko sekondari zinamilikiwa na waislamu au wakiristu hapa nchini. Ktk sekondari za waislamu utaambiwa shule inaendeshwa kwa maadili ya dini ya kiislamu. Lakini hazizuii mtu wa dini nyingine kusoma hapo, anachotakiwa ni kufuata utaratibu uliopo. Vile vile kuna seminari za kikristu, ambazo huendeshwa kwa maadili ya kikristu. Mwislamu hakatazwi kusoma hapo hapo, ili mradi hatakinzana na utaratibu uliowekwa.
ReplyDeleteIslamic banking ni utaratibu wa kibenki unaendana na maadili ya dini ya kiislamu. Kama muislamu (hata mkristu) akiona hiyo ni muhimu kwake ataomba huduma hiyo. Na benki zinazotoa huduma hizi ni nyingi hapa duniani, hata mataifa yaliyoendelea kama marekani na uingereza kuna mabenki yanayotoa huduma hii. Kuna mdau hapo juu ametupa link ya moja kati ya mabenki hayo.
Hapo imeanzishwa huduma tu ya kibenki hali imekuwa hivi, je ikianzishwa benki ya waislamu (kama wakatoliki walivyofanya) si itakuwa balaa?
hivi jamani mbona kila kitu kinachofanywa na waislamu tanzania kinaonekana kibaya? tumeona wakristo waliandika waraka,wanachangisha michango mbalimbali kwa ajili ya kujenga shule tena wanawatumia viongozi wa serikali lkn waislamu wahazungumzi lkn waislamu wakitaka kufanya jambo tayari ni ubaya jamani hii nchi si ya dini moja
ReplyDeletehizo ni chuki kila kitu afanyacho muislamu ni kibaya!!!!! marangapi tumeona viongozi wa kikisto wanawatumia viongozi wa serikali wakiwatumia kwenye harambee za kuchangia shughuli fulani fulani lkn waisilamu hawazungumzi? acheni chuki nyie
ReplyDeleteNyinyi mnaopinga Islamic Banking Tanzania mna chuki sana...Mbona KCB wanayo Islamic banking? Mbona Kenya, Uganda, South Africa, UK na Ufaransa wanayo "window" hiyo? Islamic banking ina maana (1) Riba hairuhusiwi, ila faida (profit on investment) inaruhusiwa. (2) Pesa zako hazitawekezwa kwenye viwanda vya pombe, sigara, nguruwe (swine), etc. (3) Investment portfolio yako itakuwa transparent kwa kuwa utajuwa pesa zako zimewekezwa wapi na returns zake ni zipi. (4) Wakristo wengi wanawekeza katika Islamic banking ikiwa wanaamini kuwa hawataki pesa zao zizalishe ulevi, sigari na pia wanaamini riba ("usury") ni kitu kibaya. (5) Islamic banking haitaleta matatizo. Disaster italetwa na CHUKI ZA WALE WALIODHAMIRIA KUPINGA KILA KITU KINACHOENDANA NA IMANI YA KIISLAMU. lAKINI MATAPISHI YAO YA CHUKI YATAWAPALIA WAO WENYEWE. Chuki zenu ndiyo a recipe for disaster.
ReplyDeleteNyinyi mnaopinga Islamic Banking Tanzania mna chuki sana...Mbona KCB wanayo Islamic banking? Mbona Kenya, Uganda, South Africa, UK na Ufaransa wanayo "window" hiyo? Islamic banking ina maana (1) Riba hairuhusiwi, ila faida (profit on investment) inaruhusiwa. (2) Pesa zako hazitawekezwa kwenye viwanda vya pombe, sigara, nguruwe (swine), etc. (3) Investment portfolio yako itakuwa transparent kwa kuwa utajuwa pesa zako zimewekezwa wapi na returns zake ni zipi. (4) Wakristo wengi wanawekeza katika Islamic banking ikiwa wanaamini kuwa hawataki pesa zao zizalishe ulevi, sigari na pia wanaamini riba ("usury") ni kitu kibaya. (5) Islamic banking haitaleta matatizo. Disaster italetwa na CHUKI ZA WALE WALIODHAMIRIA KUPINGA KILA KITU KINACHOENDANA NA IMANI YA KIISLAMU. lAKINI MATAPISHI YAO YA CHUKI YATAWAPALIA WAO WENYEWE. Chuki zenu ndiyo a recipe for disaster.
ReplyDeletesINGANO UNAKUMBUKA KUWA TULIKUWA WOTE mazengo,.... na mimi ndiye niliyekukabidhi uklass monitor wa EGM man....ok naona mpo na wadau mwala shavu.Mbije,A.
ReplyDeleteApr 30,12.34 na Apr 30,12.38 jamani msiseme hayo ya mbona hawa wakifanya hivi mbona hawasemwi. Sasa hizo ni chokochoko zenu kama kawaida.Nyie changia mada tu, kama mna uelewa zaidi juu ya bank inayoanzishwa waeleze wenzenu. Lakini mawazo mnayotoa ni ufinyu wa akili.Mtakaa hivyo hivyo na kwa nini wenzenu wanapeta.Labda kwa kuwa hizo choko choko huwa zinawasaidia sawa,mimi nawashuri kitu kumoja, agizeni majambia muingie kwenye blog kila anaysema kwa nini kata masikikio.
ReplyDeleteAu wasomee albadiri wafe kama mlivyowasomea wanafunzi wa tanga.
hivi watu mbona mnajazba zisizo za lazima. waislam wakifanya kitu mnakuwa na wasiwasi mbona tumesikia kuna waraka watu wako kimya mbona hamlalamiki kuwa kuna vyakula vina nembo ya HALAL na viko sokoni ili mtu anayetaka kununua anunue hata mkristo anaweza kununua hakatazwi hizo. Hiyo ndio faida mojawapo ya ushindani maana unawalazimu watu kutafuta mbinu muafaka za kibiashara ambazo pia zina faida ya wateja! mhh
ReplyDeleteWakuu, Awale and Singano jamani toeni maelezo nadhani mnatambua kuwa kwa sasa Watanzania wengi wameanza kuwa na woga na suala la kidini sasa kama Michuzi unaleta habari bila maelezo yakinifu huku utaanza hata kkufanya watu wabague Stanbic please maelezo ya kina kwa LUGHA YA KISWAHILI
ReplyDeleteIwe riba isiwe riba mimi kwa mtazamo wangu mimi binafsi naona kuna vijimambo vya udini Stanbic unakuta Meneja kavaa dira ofisini na (sandals) ushungi sina tatizo nao lakini dira ofisini hizi wengine wanaita bububu jamani... hizo ni nguo za mtaani sio kwenye bank floor eheheh... sasa hata ikiwa islam bank au islamic banking waache wafanye maana hadi sasa bakwata hawajafungua benki hapo wanafumbuliwa mambo... Efatha ministry kwa mwingira kuna benki na kanisa kaanza juzi... songeni mbele na hizo huduma bwana ...mtajiju
ReplyDeleteUshauri: Study ndogo tu inaweza kufanyika kwenye hayo maoni yaliyopo kuhusu hii Islamic banking ili kuweza kuona ni namna gani haya mambo ya udini yanavyoweza kuleta matatizo kwenye jamii. Inawezekana hiyo banking ina nia nzuri tu ila kwa kuwa kumewekwa jina la uislam tayari inatafsiriwa kuwa ni kwa ajili ya waislam na watu wameanza kugawanyika. Ukisoma hayo maoni utaguandua kuwa yupi muislam na yupi si muislam.
ReplyDeleteMjadala huu utusaidie pia kujua madhara ya kuendekeza udini na makundi mbali mbali kwenye jamii
Nami pia naunga mkono juhudi za walioanzisha huduma hiyo ya Islamic Banking, ila nawasihi ndugu zangu tunaochangia na wale wasiochangia kuwa si vyema kuihukumu jamii fulani kwa jambo ambalo hamna uhakika nalo.
ReplyDeletetuwaache walioanzisha wafanye kazi yao ukitaka jiunge hutaki acha, na ikibidi wenye shaka wawaulize wenye benki zao utaratibu na nani anapaswa kutumia huduma hiyo.
mimi ni mkristo nipo ughaibuni nchi ya kiislam na nina account 1 tu ktk bank ya kiislamu japokuwa kuna mabank makubwa kibao. Hapo sioni tatizo lolote lkn je? mtayaweza? ninauzoefu sana na bank hizi yaani kwa kifupi ni haki bin haki hakuna ubaguzi wowote wala makato sijui ya kuwithdraw cash or kununua bidhaa kwa atm card yako. Na hii ndio mkombozi wa wanyonge mkopo yeyote anapewa
ReplyDeleteje kwa bongo watayaweza?
Ona sasa imekua vita kati ya wakristu na waislamu....ngoja Zain nao watoe christian sms..ukimtumia mkristo mwenzako bure...ukituma kwa mwislamu sh 40
ReplyDeleteMary Brown pale mlimani city wana Halal food mbona hamjapiga kelele?
ReplyDeleteNyie mkienada kwenye samaki samaki si tunaenda mary brown.
hata mabenki yanatuitaji waislam.
ilianza KCB sasa Standard Bank, mtakufa kwa presha.
Wakrito wenzangu , hii Bank nadhani ni ukombozi kwetu sote, kama kweli haitozi riba, nilisikia kuna Bank ya kiislamu itakuja na haitatozo riba kama nguzo moja ya kislamu , nikaishubiri n hatimaye imefika.Riba kubwa ni tatizo kubwa sana kwa nchi hii.
ReplyDeleteTatizo je hao wafanyakazi wao ni wacha Mungu? maan aina weza kua pale plae utoe kitu ili upate mkopo?.
Nilisikai kuna Efuat bank , ambayo ni ya yule baba wa Kikristo , pia huko nitaenda kuangalia ina endeshwaje na mikopo yao ikoje na riba yao ikoje, ila kwa kipindi hiki nita stick na StanBic Bank , maana wamejaribu kutukomboa.
....aah kaazi kwelikweli! hili ni jambo zito na la msingi lakini kuna watu hapa watatoka kapa bila kujua wala kujifunza na binadamu wako hivyo. Kuna Bank ya wakatoliki na ilifunguliwa na mzee Mwinyi lakini inachukua wateja wa aina zote! imependekezwa hapo juu aletwe mtaalam atupe dondoo hizi Bank zinafanya kazi vipi na faida zake ni nini. Jamii ingejifunza na uelewa ungekuwa wa kiwango cha juu. Kitachobakia ni ushabiki wa Simba na Yanga na hilo litabakia hivyo hivyo!! Ankal mlete mtaalam tufaidike, mpe mada hii Al Ustaadh Abu Idd (mohamed idd wa masjid Idrisa)
ReplyDeleteKwanza nikute hongera Abdalah Singano kwa kuwa makini na market segmentation japo ulikuwa sometime unatutegea kufanya assignment zile za group pale B.com 2002/2005. Ila wewe ni kichwa.
ReplyDeleteTatizo kubwa linalowachanganya watu hapa ni ulewe mdogo wa masoko. Kwa muislam anayefuata dini yake hasa atakubaliana na mimi kuwa dini yake haimruhusu kuweka kumi na kuchukua kumi na moja hiyo ni haramu. Kwa maana hiyo basi watu wamekuwa na utamaduni wa kukataa kuweka pesa bank. Uislam hautaki kufaidika na kuweka pesa ili izae pesa bali unaruhusu kutumia pesa ili kufanyia biashara na kupata faida. msingi mzima wa faida utokane na biashara ya bidhaa zinunuliwazo kwa pesa. Soma zaidi hapo chini ili uelewe
Sharia Finance
What is Islamic Finance?
The basis for all Islamic finance lies in the principles of the Sharia, or Islamic Law, which is taken from the Qur'an and from the example of Prophet Muhammad (peace be upon him). The Islamic form of finance is as old as the religion of Islam itself.
Central to Islamic finance is the fact that money itself has no intrinsic value. As a matter of faith, a Muslim cannot lend money to, or receive money from someone and expect to benefit – interest (known as riba) is not allowed. To make money from money is forbidden – wealth can only be generated through legitimate trade and investment in assets. Money must be used in a productive way.
The principal means of Islamic finance are based on trading – it is essential that risk be involved in any trading activity. Any gains relating to the trading are shared between the person providing the capital and the person providing the expertise.
Haya msio elewa hapo juu shauri yenu. Islamic banking ni moja ya vivutio kwa watafiti wengi hasa wasio waislam duniani kote kwa sasa, sababu kubwa ni kwamba mabank mengi yaliyumba wakati wa recession kasolo islamic banks tu. Nchi kama UK hivi sasa kila bank wana huduma ya Islamic banking na ukifungua unawaambia unataka huduma hiyo wanakupati. Sasa iweje ninyi wabongo mnarukia kwenye ubaguzi wakati hamjui nini maana ya huduma hiyo?
Kwa taarifa tu kwa wadau, RIBA umeua Wahindi wengi wakulima huko India mpaka hii leo, Wajane ni wengi na hakuna mkulima ananyanyuka kwa RIBA. Hivi kuna uwiano gani ukiweka 10mn unapewa riba ya asilimia 2%, ukikopa 10mn unakatwa riba ya asilimia 27%, hivi ukiweka hati feki na ukasepa kuna ubaya? panapo kosekana haki ni wizi mtupu......mteja mwizi, karani mwizi, maneja mwizi! habari ndio hiyo.
ReplyDeleteupuuzi mtupu, sasa mutaendeshaje hiyo benki kama mtakuwa hamwatozi watu charges zozote au hamuwalipi interested yoyote, biashara mbuzi hiyo. hiyo inawezekana UARABUNI KWA VILE WANA PETRO DOLLAR, ITWASHINDA, SEMA MNATAKA KUVUTIA PESA ZA WAISLAMU ILI MUZIKOPESHE KWA WAKOPAJI MUPATE FAIDA YA BURE, KWANI MTAKUWA HAMZILIPII INTEREST
ReplyDeleteNadhani wadau walioonyesha wasiwasi wamepata wasiwasi huo kwa kuona Bashiri na Abdalla ndo wanatangaza huduma hizo.
ReplyDeleteMimi ni Mkristo ila nahitaji kuelimishwa zaidi kabla sijatoa maoni. Nilivyopata kusikia ni kuwa kwa benki zinazotumia mfumo huo, fedha yako haitoi riba na ukichukua mkopo hautozwi riba. Ni kweli hautozwi riba kwa kuchukua mkopo? Kama ndivyo nadhani ni utaratibu utakaosaidia wateja wengi tu, mimi nikiwa mteja mtarajiwa. Lakini kama benki inatumia utaratibu huu kukwepa kulipa wateja wake riba huku ikiwatoza gharama za huduma za benki basi nina mawazo tofauti. Benki itakuwa inafanya unyonyaji na utaratibu haufai.
Nafikiri kuwa na islamic banking si kitu kibaya na si kitu kinachoweza kuchangia msimamo wa nchi yetu kwenda vibaya ama si mwanzo wa kubadilisha sheria za nchi kuwa za kidini. Niipongeze bank ya barclays kwa kuweka huduma hiyo kwa faida ya wananchi wa dini zote watakaopenda kujiunga na huduma hizo. Watanzania wenzangu tusipende kuweka fikra za kidini mbele haswa kwenye suala la kuendeleza jamii zetu.
ReplyDeletePia tujaribu kukumbuka wasia wa baba wa taifa kuwa nchi yetu Tanzania haina dini na wala kabila ni vizuri zaidi ikiwa tutalidumisha hilo. Tukumbuke wote tunamwabudu mungu mmoja.
Shukrani na haya ni maioni tuu, si sehemu ya kubisha bali kuelewashana
Nyinyi ma-haters, mbona mlifunga midomo yenu wakati chama kinachoitwa Tanzania christian professionals association kilipoanzishwa????? chama hicho kinawa-exclude professionals wote ambao si wakristo. Sisi professionals Waislamu hatukulalamika wala kutapika sumu ya chuki... tuliona ni chaguo lao. sasa mimi au mtu wa dini yoyote kama hataki pesa zake ziwe invested kwenye pombe na sigara na kuwatoza walalahoi riba... he/she is free kuinvest katika benki kama hiyo. Tuvumiliane. Si kuwa na watu ambao wana knee-jerk reaction ya kutusi na kushutumu kila kitu kinachofanywa na Waislamu simply kwa sababu chuki iko katika damu na vichwa vyao na kuwazuia kufikiri kwa mantiki. This is our country, ALL OF US: wenye kufuata dini za asili, Uislamu, Ukristo, Ubahai, n.k. Tusikubali kugombanishwa na hao ma-haters wachache.
ReplyDeleteMimi ni mkatoliki na niliwahi kuwa sister nikaacha, lakini sasa naishi na mume Muislam na tumezaa watoto. Nawashauri Watanzania wenzangu tuache chokochoko za kidini kila raia ana uhuru wa kuabudu atakavyo au kuishi atakavyo. Jambo lolote ambalo linawasaidia watanzania ni la kuungwa mkono bila kujali imani zetu.Hivi Muislamu akiweka hela zake benki bila kuchukua riba mimi mkristo itanipunguzia nini?
ReplyDeleteMtaaluma asante kwa kuweka mambo sawa.
ReplyDeleteMy question to Stanbic-ni chombo gani cha Kiislamu amabacho kime validate madai haya kwamba hii product kweli is compliant with Sharia.
Munaosema huu ni udini munakosea, kama ni udini basi hata kuuza halal food ama kosher basi ni udini.
Kawaida kila mtu anaruhusiwa kuwekeza kwa utaratibu huu na alazimishwi mtu, opportunities for all.
Asante tana Mtaaluma kwa kujikita katika substance.
(US Blogger)
Wa Tanzania bado wajingawajinga!!!! Mawazo ya kiNyerere Nyerere!!!
ReplyDeleteDunia Ina compete na islamic banking nyie bado mnashangaa shangaaa!!! Nyie kweli bado mbumbumbu. Afanaaleki
Investor mortgage giant Freddie began buying in March law-compliant mortgages in 2001. Today Freddie continues to buy in March from four banks originate mortgages together "" That Nationwide. In addition to Devon, in March Buys Freddie mortgages from Guidance Residential in Reston, VA., University Bank in Ann Arbor, Ich., And American Finance House Lariba in Pasadena, Calif.
ReplyDeleteMarch Freddie spokesman Brad German says the company bought More Than $ 250 million in Islamic mortgages in 2007, But volume is slipping as the Housing Market declines. The mortgages are "a steady, if Modest, Vibe," German says.
Somewhat of a dispute
There's some dispute about exactly where the Quran comes down on Finance and interest.
Scholars at the Al-Azhar Institute in Cairo - influential in Islam's Chief Sunni denomination - declared in 2002 That the Qur'an did not prohibit all Payments charges and interest, just so those exorbitant That they crossed the line into usury. Conventional Banking has been widespread for years in the Islamic world.
A stricter Interpretation - barring all interest - Ground has been gaining over the past decade and Driving the growth of no-interest Islamic Finance.
Islamic banks get around the prohibition on interest by treating loans or leases more like profit-planning arrangements.
An Islamic mortgage, for instance, Looks like a lease-to-own deal. The bank, not the borrower, the House Buys. The borrower Water Payments installment to the bank for a period of years, at the end of which he or she gets the title to the house.
The bank's profit technically comes from renting the house, not lending the money. That Loundy Taking Islamic mortgages are more costly traditional mortgages Than Because they involve paperwork for two Home Sales: the first by the bank, the Second by the borrower After the installment Payments are finished.
In business loans, the bank essentially shares profits with the borrower, not having more like an equity financing Islamic Investment Than a loan. Even depositors at Islamic banks are supposed to Share profits and losses with the bank, instead of receiving interest Payments - an arrangement That U.S. Banking regulators have balked at approving so Close. "The FDIC is not anxious to see any bank agreeing in advance to Share a loss," says Devon Bank's Loundy.
Booming Bonds
Islamic Bonds - known as sukuk - are booming: Early $ 33 billion of Islamic Bonds Were issued last year, up from $ 5.5 billion in 2001. Islamic Bonds work something like Islamic mortgages. For instance, the German state of Saxony-Anhalt, which issued the first Islamic bond in 2004, the Government Property sold to bond again again host the Investors and the Host then leased it back from Flo. The technically earned money again the Host again host the Investors from the outright, not interest.
Determining exactly what is and isn't a law-compliant transaction can get tricky. HSBC and Citigroup each have their own Lev Advisory boards, made up of well-credentialed Islamic scholars. Devon Bank, which has Assets of just $ 250 million, leans on opinions from the decree Supervisory Board of America.
Kuala Lumpur, capital of predominately Muslim Malaysia, has emerged as a global Islamic Finance's capital, thanks partly to tax breaks That encourage Islamic Banking. But Singapore and Hong Kong are eager to catch up. "If Hong Kong truly wants to be a major international financial center, not just in the region, But globally, then Islamic Finance must be amongst our portfolio of products and services," John Tsang, Hong Kong's financial secretary, Said last year.
"It's here to Stay," Loundy says of Islamic Finance. "You're talking about one-fifth of the planet's Population
Turn Islamic loans for banks in the U.S. profit
ReplyDeleteUpdated 3/28/2008 8:52 AM | Comments 40 | Recommend 20 E-mail | Save | Print | Reprints & permissions |
Enlarge By Mick Cochran, USA Today
A mural depicting Devon Bank by the parking lot of Its Chicago location. The bank has made mortgages compliant with Islam's law in 36 U.S. law States.
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By Paul Wiseman, USA Today
A customer showed up at little Devon Bank on Chicago's North Side, asking for a loan to Open a neighborhood shop. But Was there a hitch, the would-be borrower explained: "We Can not pay any interest. Can you help?
At the time, seven years ago, Was the answer: "Nope," recalls David Loundy, Devon's Vice President and legal Counsel.
That Was then. Since Fielding That first request, Devon Bank has transformed itself into a Specialist in the kind of no-interest Islamic financing the customer Was seeking. Islamic financing now Accounts for More Than 75% of the bank's mortgage portfolio, and Devon has made mortgages compliant with Islam's law in 36 U.S. law States, Loundy says.
Devon Bank, responding to local Customers in a neighborhood filled with Pakistani and Middle Eastern immigrants, stumbled onto something big: Worldwide Islamic Finance is booming, fueled by the windfall from sky-high oil prices and a Return to a more strict Interpretation of the Holy Quran across the Islamic world. Once Devon Bank introduced the law-compliant mortgages and other loans, "People started coming out of the woodwork," Loundy says.
In a report last month, credit-rating Moody's again host the Investors Service Agency Said That the global Islamic Finance Market has grown about 15% in each of the past three years and is now worth about $ 700 billion Worldwide. The heavyweights of global ceilings NOTICE Neither have Finance: Citigroup, HSBC, Deutsche Bank and Mothers affiliates have devoted to Islamic Finance.
Hii tabia ya kuamini kila kilchoandikwa kwenye vitabu vya dini itatufikisha pabaya. Angalia Senator Nigeria ameoa mtoto wa miaka 13 na anasema Mtume alioa mtoto mdogo kwa hiyo sio haramu.Tanzania ni secular state kwa hiyo hizi dini zetu za kiislamu na kikiristu ziwekwe pembeni.
ReplyDeletemimi nadhani sasa wakati umefika kwa watanzania hasa wa upande mmoja kuacha chokochoko na kujiona kuwa wao wako sahihi katika kila kitu. kwani inawahusu nini hii islamic banking mpaka muipinge? ama mna hofu gani hasa, kwamba mabepari wenzenu watafilisika baada ya system kubeba wateja lukuki ambao hata wakristo wataivamia??ni nani asiyetaka faida dunia hii, eti tutajigawa kidini nani kasema??
ReplyDeleteacheni UZANDIKI ENYI WATU MNAOUHOFIA UISLAM. mkichukizwa sana jaribuni huduma hiyo ambayo mwishowe mtaifurahia!!
First of all, it's so sad that non Muslim Tanzanian's are so ignorant about Islam. Had they known that Islam is part of the Abrahamic Faith (Judaism, Christianity and Islam) and that these three faiths are so similar at least in the belief of Oneness of God that they would take time to learn about Islam and try to understand what Islamic Banking is really all about.
ReplyDeleteFor those non Muslim Tanzanians who just follow their shephards and chose not to be open minded, please know that Abraham, Moses and Jesus are a fundemental part of the Islamic faith. And it should be known that it is forbidden in Judaism and Christianity to take interest just as much as in Islam. Take a look at the 10 Commandments and see if you can find similar "thoughts" in Islamic text. Just as in Islam, consumption of pork and alcohol is forbidden as well for the Jews and Christians.
And mind you, Islam is not a religion of the Arabs. It's a religion of all races. So for those of you out there who fear Islamic Banking as an "Arab Scheme", mind you, it's an offering for everyone who doesn't want to be ruined financially by the bankers via interest rates. Hmmmm, I wonder what the recent Global Economic crisis was all about?
And for you who are Economics challenged, banks are out there to make profits and what better way if not through interest rates. Had bankers been charitable people, I'm sure they would have planned interest rates in favor of their customers rather than themselves. Have you ever wondered how or why banks just keep getting richer?