Tsarin Bankunan Muslunci Irinsu Jaiz da Abubuwan da Ya Kamata Ku Sani Game Dasu

Tsarin Bankunan Muslunci Irinsu Jaiz da Abubuwan da Ya Kamata Ku Sani Game Dasu

  • Babban Bankin Najeriya (CBN) ya ba wasu bankunan Muslunci lasisin aiki a kasar domin sama wa jama’a sauki
  • Bankunan sun dan sha bamban da sauran bankunan kasuwanci saboda suna ba da rancen kudi ba tare da ruwa ba
  • Bankin farko da ya fara samun wannan lasisi shine Jaiz, kuma ya ba kwastomominsa dama da yawa na hada-hada cikin sauki

A shekarun bayan nan, harkar hada-hadar kudi ta banki a Najeriya ta fara shaida bankunan da ba ruwa, ma’ana bankunan Musulunci.

Irin wadannan bankunan na Muslunci na aiki ne daidai da tsarin shari’ar addinin Islama, tsarin da ya haramta cin kudin ruwa a duk wani rance.

Wannan na nufin, idan mutum ya ci bashin N50,000 don habaka kasuwanci daga bankin Muslunci, wannan adadin zai mayar ba tare da kara kudin ruwa ba.

Kara karanta wannan

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Yadda tsarin bankun Muslunci yake a Najeriya
Tsarin bankuna a duniya da Najeriya | Hoto: David Darius
Asali: Getty Images

Wadanne ne bankunan Muslunci a Najeriya?

A cewar kamfanin inshoran bankuna na kasa (NDIC), akwai bankuna biyar da CBN ya amince su yi hada-hadarsu daidai da tsarin shari’a. Ga su kamar haka:

DUBA: Bibiyemu a Instagram don samun labarai masu muhimmanci kai tsaye cikin manhajar

  1. Jaiz Bank PLC
  2. Taj Bank
  3. LOTUS Bank
  4. Sterling Alternative Finance
  5. Suntrust Bank Nigeria Limited

Jaiz, Taj da LOTUS bankuna ne da ke gudanar harkarsu babu ruwa kwata-kwata.

Sauran biyun kuwa, Sterling da Suntrust, suna da zabin yin harkalla dasu ba tare da biyan kudin ruwa ba ko anini.

Bambancin bankunan Muslunci da sauran bankuna

  1. Bankunan Muslunci ba sa ba da kudin ribar ruwa, a madadin haka sukan ba da ribar da cinikayya ta kawo
  2. Bankunan Muslunci ba sa karbar kudin ruwa daga wadanda suka ba bashi, a madadin haka suna kulla yarjejeniyar hadaka ne.
  3. Bankuna Musulunci ba sa zuba hannun jari a kasuwancin da ya saba shari’ar Muslunci; kamar barasa da caca.
  4. Ba sa ta’ammuli da kasuwancin da ke samar da kayayyakin da ke da sarkakiya ta shari’a (Gharar)
  5. Suna raba riba ne da kwastomominsu
  6. Sannan suna raba faduwa idan aka tafka asara

Kara karanta wannan

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Yadda bankunan Muslunci ke samar da kudaden shiga

Bankuna gama-gari na amfani da tsarin kudin ruwa ne kan masu karbar bashi don tara riba. Sai dai, bankunan Muslunci ba haka bane, suna samun kudaden shiga ne ta wasu ayyuka tsafatattu.

Daya daga cikin tsarukansu akwai Murabaha na riba ta hanyar kasuwanci, da Istisna wanda ke daukar nauyin wani aiki ko gini da kuma Salam wanda ke zuba jari kan harkokin noma tare da samun riba daga abin da aka samar da dai sauransu.

Hakazalika, bankunan Muslunci na da tsarin hadaka tsakanin mai karba da mai bayarwa, wanda bankin zai ba da jari a yi kasuwanci don raba riba da kuma faduwa daidai da yarjejeniya.

Sannan suna samun kudaden shiga ta hanyar ayyukan kwarewa da suke yi kamar Wakala, Kafalah da dai sauransu.

Wadanda ba Musulmai ba za su iya hulda bankunan Muslunci?

A bayyane yake cewa, addinin kwastoma ba shi ne abin dubawa ba wajen bude asusu a irin wadannan bankunan.

Kara karanta wannan

Yanzu-Yanzu: CBN Ya Ba Bankuna Wani Sabon Muhimmin Umurni Domin Faranta Ran 'Yan Najeriya

Hakazalika, bankunan Musluncin nan sun saukaka yadda ko da wanda ba Musulmi ba zai iya gane abin da duk wata ka’ida da shirinsu ke nufi.

Hasalima, an ruwaito cewa, Kiristoci da yawa sun fi jin dadin amfani da bankunan Muslunci fiye da sauran bankuna gama-gari a kasar saboda saukinsu da ka’idar tausayawa.

Ina Kirista, amma na karbi bashin bankin Muslunci

Jerry Sunday, wani mai shagon kayan masarufi a unguwar Nasarawo da ke Gombe ya shaidawa wakilinmu irin yadda yake hulda da bankin Muslunci.

Ya ce:

“Na jima da bude asusu a bankin, kuma har yanzu a nan nake ajiyan kudi na. Na yarda dasu, sun yarda dani. Na taba cin bashi sau daya.
“Asusu na biyu ne, daya nawa, daya kuma na kasuwanci. Da na kasuwancin aka bani rancen kayan da na kasa, na ci riba na mayar musu.”

Asali: Legit.ng

Authors:
Salisu Ibrahim avatar

Salisu Ibrahim (Head of Hausa Desk) Salisu holds BSc in IT (IOU, 2021) and is AfricaCheck's ambassador. He brings over five years of experience in writing, publishing and management. Trained by prestigious newspapers like Reuters, AFP, and Solutions Journalism Network, he curates news stories for the Hausa-speaking audience. He rose from Hausa Editor to Head of Desk at Legit. His commitment to excellence has earned him recognition, including the 2021 Best Hausa Editor award and the Legit Fearless Team Player of the Year 2023.

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