Sebenarnya tiada konsep zero-interest di perbankan Islam

pakweneelofa

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

wah dino..sejak bila ko jadi anti arab mcm aku ni???

DTECCONAN

sebenarnya dalam Islam dah ada Baitul Mal....... jadi, boleh ja kita gunakan Baitul Mal utk membiayai pinjaman yg kurang faedahnya

Lejen

Sebenarnya dalam Kristian pun haramkan riba / interest.

“Do not charge your brother interest, whether on money or food or anything else that may earn interest.” (Deuteronomy 23:19)

“Do not take interest of any kind  from him, but fear your God, so that your countryman may continue to live among you.” (Leviticus 25:36)

“If you lend money to one of my people among you who is needy, do not be like a moneylender; charge him no interest” (Exodus 22:25)

5 "Suppose there is a righteous man who does what is just and right.
6 He does not eat at the mountain shrines or look to the idols of the house of Israel. He does not defile his neighbor's wife or lie with a woman during her period.
7 He does not oppress anyone, but returns what he took in pledge for a loan. He does not commit robbery but gives his food to the hungry and provides clothing for the naked.

8 He does not lend at usury or take excessive interest. He withholds his hand from doing wrong and judges fairly between man and man.
9 He follows my decrees and faithfully keeps my laws. That man is righteous; he will surely live, declares the Sovereign LORD. (Ezekiel 18:5-9)

dino

pakweneelofa posted on 18-6-2013 02:49 PM
wah dino..sejak bila ko jadi anti arab mcm aku ni???

dah arab yg tak betoi.... mmg patut la nak anti pun..... ni org melayu asal arab je molia

cak!

buat la loan dgn al rajhi bank..islamik gitu ada akad jual beli

TuntungReturn

aku dah lama dah taw dh perbankan islam ni menindas orang islam..depa tipu cara islam.ang pa bayangkan la..pinjam rm50,000 caj pengurusan (tak pnggil riba,kalo panggil riba harammmmmmmmm!) 10% setaun..so katekan lah buat pinjaman rm50,000 selama 5 taun jadik caj pengurusan nya 50% so rm25,000...bayngkan perbankan islam ni..ikot syariah..konsep al-qard..ang pa sebagai orang islam nk kata apa????ni halal ke harammmmmmm??..

Lejen

Pandangan riba dalam Hinduism dan Buddha.

Usury in Hinduism and Buddhism

Among the oldest known references to usury are to be found in ancient Indian religious manuscripts and Jain (1929) provides an excellent summary of these in his work on Indigenous Banking in India.  The earliest such record derives from the Vedic texts of Ancient India (2,000-1,400 BC) in which the “usurer” (kusidin) is mentioned several times and interpreted as any lender at interest.  More frequent and detailed references to interest payment are to be found in the later Sutra texts (700-100 BC), as well as the Buddhist Jatakas (600-400 BC).  It is during this latter period that the first sentiments of contempt for usury are exressed.  For example, Vasishtha, a well known Hindu law-maker of that time, made a special law which forbade the higher castes of Brahmanas (priests) and Kshatriyas (warriors) from being usurers or lenders at interest.  Also, in the Jatakas, usury is referred to in a demeaning manner: “hypocritical ascetics are accused of practising it”.

By the second century AD, however, usury had become a more relative term, as is implied in the Laws of Manu of that time:  “Stipulated interest beyond the legal rate being against (the law), cannot be recovered:  they call that a usurious way (of lending)” (Jain, 1929: 3-10).  This dilution of the concept of usury seems to have continued through the remaining course of Indian history so that today, while it is still condemned in principle, usury refers only to interest charged above the prevailing socially accepted range and is no longer prohibited or controlled in any significant way.

Maideen.

ogre posted on 18-6-2013 02:46 PM
agak agaklah kamu mahu kutuk sistem perbankan islam. sistem perbankan islam ini antara sistem terb ...

Jika kamu tak tahu, jangan purak purak pandai. Bai al Inah hanya terpakai di Malaysia dan Brunei. Di Timur Tengah ianya di kritik habis habisan sebagai "a back door to riba", "form over substance" dsbnya. In fact Bay al Inah (yang berkonsepkan Murabahah) di Malaysia pun semakin digantikan dengan konsep Tawaruk (yang juga ada shortcomingsnya). Apa apa pon Perbankan Islam di Malaysia sendiri pon yang berlandaskan  debt based financing (seperti Bay Bitaman Ajil) semakin di gantikan dengan equity based financing (e.g. Mudharabbah Mutanaqisah).

Sebelum sibuk nak eksyen kekunun HSBC pon nak tiru Islamik Banking Malaya, Amrika pon nak tiru Islamik Banking Malaya, belajar dulu apa itu Islamik Banking di Malaya. Dah  bila dah pandai nanti baru lah buleh tunjuk pandai di sini. Wokey?

Maideen~Salah tempat nak tunjuk pandai........

DTECCONAN

cak! posted on 18-6-2013 02:59 PM
buat la loan dgn al rajhi bank..islamik gitu ada akad jual beli

mcm mana dikatakan islamik tu, tak ada faedah ker kalau pinjam?

tebuanharimau

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

a ah la.. mcm TH dulu..nak masukkan duit kat akaun sendiri melalui kaunter bank Muamalat pun kena cas singgit..wat de hek .. terus tutup akaun dgn Muamalat

hzln

hahahaha...asal ada NAMA isle aje terus declare itu sistem terbaik...lantak pi lah isi dan bentuk pelaksanaanya macamana....

Maideen.

TuntungReturn posted on 18-6-2013 02:59 PM
aku dah lama dah taw dh perbankan islam ni menindas orang islam..depa tipu cara islam.ang pa bayan ...

Betul lah tu.......ikut prinsip Shariah. Kita semua tahu prinsip prinsip Shariah khen? Prinsip Shariah yang pertama ialah "Taysir" (yakni mudah). So tukar jer lah "riba" jadi "kos pengurusan". Mudah bukan? hahahahahahahaha

Dzulqarnain

Takda sapa berani masuk tabung haji ka?

DTECCONAN

kalau betul2 bank islam nak tolong org Islam, semaksima yg boleh mereka perlu mengurangkan faedah yg dikenakan dalam pembiyaan....... barulah org respek sebab tujuan bank islam sepatutnya membantu umat Islam bukannya utk meniaga....... jadi konsep simpan, dapat untung segala tu tak boleh diterima pakai

AbukRokok

Iney baru namanya Grand Deception....satu donia islam kehulu kehilir islamic bank
mesti bank2 penipu ni bermazhab Shit!

axl_bach

DTECCONAN posted on 18-6-2013 03:52 PM
kalau betul2 bank islam nak tolong org Islam, semaksima yg boleh mereka perlu mengurangkan faedah yg ...

mana bleh meminimakan keuntungan bro.....antara hujah UZAR dlm mempertahankan so called Islamic Banking adalah

1. Bank yg berlandaskan so called Islamic Banking ni small player dlm dunia perbankan so kene kumpul keuntungan yg besar so bleh bantu ramai muslim lain
2. Dlm so called islamic banking bank nih ada board director yg perlu dijaga pendapatan deme, so xkan nak pikirkan kemaslahatan ummah sampai memudaratkan board directoror share holder sumer tu......

sbb tu aku memang x setuju sistem yg diamalkan skang ni dipanggil dgn Islamic....sbb dlm sistem perniagaan Islam ada untung rugi......so kalo ada masalah bangunan/rumah terbengkalai so kena sesama laa peminjam dgn bank tanggung rugi......ni x bank tetap amik keuntungan n peminjam jer yg tanggung kerugian sorg2....padahal kalo untung dikatanya untung bersama.......what a bollock....

DTECCONAN

axl_bach posted on 18-6-2013 03:59 PM
mana bleh meminimakan keuntungan bro.....antara hujah UZAR dlm mempertahankan so called Islamic Ba ...

mcm aku kata la, kalau tak boleh nak 100% tak nak riba sekalipun, tetapi dapat tunjukkan bank2 islam ni lebih baik pun x jadi masalah

buat step by step la....... jangka masa panjang...... bila org tau kata bank2 islam ni lebih menguntungkan mestilah org pun ramai

ni nak suruh umat Islam bantu, tapi dlm masa yg sama penindasan tu masih ada.......... sedangkan konsep riba tu adalah disebabkan penindasan, bukannya atas sebab sumber haram dan sebagainya

kuya

patut laa bank2 kapiaq berlumba2 nk implement perbankan isele.... interest lagi masyuk dari sistem yahudi....

pseudo_kl

ni pengalaman sendiri,

1) aku nk pinjam 10ribu
2) bank nih bagi aku beli saham bebentuk voucher berharga 10 ribu secara hutang
3) berlaku akad jual beli
4) pastu aku jual balik voucher tu kepada bank semula dgn harga 8500 sbb susut harga.
5) berlaku akad jual beli kedua
5) so aku dapat 8500 tapi kena bayar 10 ribu jugakk....

kabukiman

tompang tanya: sejak bile isele mengambil kira konsep yehudi laknatullah "time value of money"?


kenapa kadar keuntungan tu BERKADARAN dgn tahun?

ada lobai buleh jawap?