Sebenarnya tiada konsep zero-interest di perbankan Islam

Lejen

So-called interest-free Islamic banking a fraud: experts

June 18, 2013 Our Staff Reporter 0


Lahore- Existing so-called interest-free Islamic banking system prevailing in Pakistan is fraud and mockery on the name of Islam as well as worst-exploitive as compared to interest-based banking system existing in modern world.

These views were expressed by noted banking experts during a one-day workshop on the topic of “Law & Practice of Banking in Pakistan” jointly organized by “Law Society —Pakistan” (LSP) and “Corporate & Banking Lawyers Association” (CBLA). They said that modern world, where interest based banking is in operation, the average rate of interest charged is 6% per annum, while in Pakistan the banks are charging 20% per annum average on finances disbursed on the name of non-interest Islamic banking.

Noted banking lawyer and Advocate Supreme Court of Pakistan Saalim Salam Ansari said that in his lecture that in The depositors are getting only 5% profit p.a on their deposits, while the rate of inflation or decrease in the rupee value is more than 5% per annum, which shows that depositors are getting a negative income. Pakistan is the second country in the globe after Columbia, where the spread (difference between deposit’s rate and lending rate) is high.

While replying during questions, answers session, Advocate Ansari said that the suo-moto powers given to the Financial Institutions / Banks, under section 15 of the Financial Institutions (Recovery of Finances) Ordinance, 2001 to auction the mortgage properties after sending / serving (3) three notices are violative, inconsistent and contradictory to the Articles 2-A, 8, 10-A, 23, 24 and 25 of the Constitution, 1973 as without determination of liability and judicial verdict passed by any Court of Law, the mortgage property cannot be auctioned, as it’s violates the “right to fair trial” and “protection towards property” guaranteed in the Constitution, 1973.

The Banking Courts especially in Karachi, which are vacant, Presiding Officers / Judges be appointed to expedite the recovery cases. Advocate Ansari suggested. Former Governor of Sindh, Barrister Kamal Azfar, Senior Advocate of Supreme Court of Pakistan, while delivering presidential speech said that there is a great need of conducting of such workshops for the training and awareness of Lawyers, bankers, students and concerned quarters.

Advocate Saalim Salam Ansari said that the Section 489-F of the Pakistan Penal Code, 1860 and Section 20, Sub-sections (4), (5), and (6) of the Financial Institutions (Recovery of Finances) Ordinance, 2001, which constitute criminal offence(s) pertaining to dishonored cheques are ambiguous and requires amendments / modifications.

nour2001

it is a back door riba.....

cikgu_cikgi

interest tu disebut keuntungan kalau wat loan islamic

dino

nour2001 posted on 18-6-2013 11:24 AM
it is a back door riba.....

letak nama2 arab skit.... nmpk la suci skit... padahal....

Maideen.

"When the gratification of being able to satisfy the pious desire to avoid financing containing the elements of Riba gives way to the sorrow of default before the end of tenure of an Al-Bai Bithaman Ajil facility, the revelation that even after the subject security had been auctioned at full market value there remains still a very substantial sum still owing to the bank, comes as a startling surprise. Al the more shocking when it is further realized that a borrower under a Riba-ridden loan is far better off."

YA Abdul Wahab Patail in Affin Bank v. Zulkifli Abdullah.

Mungkin thread ini boleh di mergekan dengan thread ini:

http://mforum.cari.com.my/forum. ... ;extra=&page=13

piqa666

same thing dgn ujrah ptptn tu... buang nama interest letak nama ujrah dah terus automatic jd islamic. padahal cost ujrah tu sama je cekik darah...

Maideen.

dino posted on 18-6-2013 11:50 AM
letak nama2 arab skit.... nmpk la suci skit... padahal....

"....they say that trade is like riba but Allah has permitted trade and forbidden riba..." translation of Al Baqarah (2): 275.

Maka oleh kerana Allah membenarkan jual beli dan mengharamkan riba, apabila sesebyah Bank itu mahu makan riba hendaklah dia menjual mesin ATMnya dengan harga RM10,000.00 dengan cara pembayaran tertangguh selama 2 tahun dan serta merta membeli semula mesin ATM itu dengan harga RM5,000.00 tunai! Dengan cara itu pelanggan dapat cash RM5,000.00 serta merta dan membayar RM10,000.00 secara ansur ansur selama 2 tahun. Ini namanya "Bay al Inah"....hehehehehe

rikiruj

BLR versi islamic loan is BFR... nama je lain tapi bendanya sama gak, floating rate..

brownstone

Hmmmm baru tau ka?? Tapi duit sekarang dipinjam byr dlm masa sepuluh tahun pd amount yg sama x sama nilai sbb inflation. Ekceli kalau muslim pinjam bank konvensional tp bayar interest dgn kerelaan hati atas dasar saguhati kpd bank atas kesudian memberi pinjamaan, pinjaman tu bukannya haram... Indeed, org islam nak sesuatu yg bole tunjuk mereka hebat like having their own financial system.....

True-X

asal letak name bunyi erebbb dah suci daaa

mende same je.. name je lain

ladyxez

dah lama dah ...  (tiru ayat madey)

lkick2113

Aku selesa dgn konvensional loan

farouk21

nour2001 posted on 18-6-2013 11:24 AM
it is a back door riba.....

yups..betul tu

Maideen.

lkick2113 posted on 18-6-2013 12:23 PM
Aku selesa dgn konvensional loan

Lkick memang dah lama bencikan Isle ka?

dino

Maideen. posted on 18-6-2013 12:07 PM
"....they say that trade is like riba but Allah has permitted trade and forbidden riba..." transla ...

lebih kejam dr bank conventional
tp letak nama arab ni kurang skit rasa menindas...

dino

Maideen. posted on 18-6-2013 12:27 PM
Lkick memang dah lama bencikan Isle ka?

benci ngan manusia hipokrit yg dok isle kehulu kehilir... tp dasar n prinsip mmg jauh dr islam

M5

Maideen. posted on 18-6-2013 12:07 PM
"....they say that trade is like riba but Allah has permitted trade and forbidden riba..." transla ...

ada terbaca satu artikel yg rumuskan islamic finance ni sebenernya normal banking sprinkled with holy water..

Neraka Bulan

dino posted on 18-6-2013 12:28 PM
benci ngan manusia hipokrit yg dok isle kehulu kehilir... tp dasar n prinsip mmg jauh dr islam :lo ...

Ini namanya menipu dan menidas secara Islamik.

saladin780

Maideen. posted on 18-6-2013 12:07 PM
"....they say that trade is like riba but Allah has permitted trade and forbidden riba..." transla ...

itu semua doniaa..duit akhirat jugak yang kekal abbi abadi

Maideen.

dino posted on 18-6-2013 12:28 PM
lebih kejam dr bank conventional
tp letak nama arab ni kurang skit rasa menindas...

Lagi panjang nama arabnya lagi rasa hampir kita ke pintu syurga sehingga boleh terdengar bunyir mengalirnya sungai sungai arak yang lezat rasanya......