মুরাবাহা: সংশোধিত সংস্করণের মধ্যে পার্থক্য
বিষয়বস্তু বিয়োগ হয়েছে বিষয়বস্তু যোগ হয়েছে
মুস্তাফিজুর (আলোচনা | অবদান) |
মুস্তাফিজুর (আলোচনা | অবদান) |
||
৩০ নং লাইন:
Interest in Islam is the charging of a predetermined return for the use of money.</ref><ref>{{cite book|last1=Khan|first1=Mohsin S.|last2=Mirakhor|first2=Abbas|title=Theoretical Studies in Islamic Banking and Finance|date=1987|publisher=Islamic Publications International|page=Pg. 18}}</ref> The verse which prohibits interest in the [[Quran]], a Muslim’s primary source of jurisprudence, is the following:
“O you who believe! Observe your duty to Allah and give up what remains [due to you] from interest, if you are [in truth] believers. And if you do not, then be warned of war [against you] from Allah and His Messenger. And if you repent then you have your principal [without interest]. Wrong not, and you shall not be wronged.</ref>
”<ref>{{cite book|title=Three Translations of the Koran (Al-Qur'an) Side by Side|publisher=Library of Alexandria|isbn=9781613101810|page=Verse 002:278}}</ref> <ref>So, did the bank charge Adam a predetermined return for the use of its money? Clearly yes. The bank charged $2,000 in return for Adam’s use of its $10,000 to buy a car. Whether the bank hands Adam the money or it hands the money to the dealership is irrelevant because in either case Adam is the one who decided where it was spent.
The fact that no penalties are assessed if Adam is delinquent on his payments simply means that the amount of interest in the Murabaha contract is predetermined to be $2,000.
৪০ ⟶ ৪১ নং লাইন:
Further still, if Adam pays off the traditional bank’s loan early he will end up paying less in interest than he would with the Murabaha bank’s financing.
In conclusion, the Murabaha bank hasn’t eliminated interest at all it just guarantees for itself the amount of interest it collects.</ref>
<ref>{{cite web|last1=Kayali|first1=Rakaan|title=Murabaha: Halal or Haram?|url=https://foundationsforislamiceconomics.wordpress.com/2015/03/11/murabaha-halal-or-haram/|website=Practical Islamic Finance}}</ref> == তথ্যসূত্র ও পাদটীকা ==
| |||