Abdirahman Muse
By, Aqoonyahan Abdirahman Muse
Waxa uu ku bilaabay Aayado faro badan oo xaarantimaynaya RIBA-da, waxa uu kusoo celceliyey hadalo ay ka mid yihin “Haddey rabaan inay Bangiyo sameystaan, waa si fiican, laakiin waa inay bixiyaan Qard al xasan (القرض الحسن)” waxa uu khudbadii ku gabobabeeyey kelmaddan:
Waxaanu diiddannahy wixii ay shareecadda Alleh (SWC) diidantahay (نخالف كل مايخالف شريعةالله), kadib waxaan iswaydiiyey su’aalahan:
1. Horta sheekhow Bangigee bixiya hadda Qardul Xasanka (القرض الحسن)?
2. Qaladaadka badan ee ay sameeyaan Bangiyadeenu maxaad uga hadli waydeen, ma aqoonta bangiyadda islaamka idinku yar, ma ku dhac baydaan laheyn, mise sida la sheegayo mulkiilayaal (share holders) baad tihin?
3. Doodan ah inu waddanku yeesho (Dual banking system) ma dood cusub baa?
Hordhac
Sidaan wada ogsoonnahay (Riba) Ribadu waa Xaaram, doodna kama taagna inay xaaram tahay, xikmaddaha loo xaarantimeeyeyna waxa kamid ah:
Ø In qofka duruuf-dhaqaale ama baahi maaliyadeed qaba aan loogu darin Dulsaar;
Ø In ay yaraato farqigga (Gap) ka udhaxeeya qofka maalqabeenka(rich) ah iyo miskiinka (poor) si aanay u sameysmin dabaqado nololeed oo kala sareeya (Social classes);
Ø iyo in Beeraleydu hesho maaliyad (lacag) ay Beertooda ku qotaan.
Haddaba sheekow hadaad ogsoontay ujeedooyinka Bangiyadda islamka ah loo aasaasey waxa weeye si ay saddexda (3) qodob ee kor ku xusan u hirgalaan.
Sidaan qabo ujeedada 1aad ee Bangiyadeenu waa inay faa’ido (profit) sameeyaan, uma diidanin inay faai’do sameeyan, laakin ma haboona in laga leexdo nidamki quruxda badnaa ee maaliyadeed ee ay caanka ku ahaayen Bangiyadda Islaamku, taas oo ay ka mid tahay in lawadaago khasaare iyo faa’ido ba (Loss and profit sharing). Waxa xusid mudan waxtarka barnaamijka (MicroFinance)-ka ee shirkaddaha qaar ka hirgaliyeen dalka, inkastoo wali baahi badani jirto. Haddi aan uso noqdo nuxurka maqaalkan, waxan ku bilaabey doodayda, sida uu sheekhu kuso celceliyey,
1. Bangigee bixiya Qardul Xassan (القرض الحسن)
Qardul Xassan-ku waxa weeye marka qofi lacag uu u baahanyahay la siiyo, iyadoon dulsaar laga qaadeyn islama markaana uu ku soo celin doono wakhti cayiman gudihi, haddi aynu si kale u dhigno, waxa weeye “lacag aan dulsaar lahayn oo lasiinayo qof u baahan wakhti cayyiman gudihii”
Hadaba sheekhow waa kee bangigee i siinaya manta haddaan lacag u baahdo, isagoon dulsaar ama faa’ido (profit) laheyn? waa Bangigee bangiga lacag siinaya qof mushaharkisu yahay $300 oo rabba inu kuso celiyo lacagta shan (5) sanno ugu yaraan? Halkee bu ku yaala Bangiga lacag siinaya nin dhalinyar ah oo fikir iyo aqoon uu wax ku abuuro leh (entrepreneur)? Sheekhow Bangi-yadeenu ma qaadi karaan masuuliyadda Bangi Islamic ah, taas oo ah inu faaido iyo khasaare ba la wadaago macaamiishisa? Maxayse bangiyadeenu (Muraabaxo) mooyaane fikiro kale oo hore marinneed u abuuri waayen? Ma odhan karnaa waxa ku yar hal abuurnimada (creativity).
Waxa Bangi-yadeenu caan ku yihiin in marka uu qofi lacag (maaliyad) rabo uu Muraabaxo loo so bandhigo, iyadoo ay jiri karaan fikiro kale oo lagu maalgalin karo qofkaas, taas oo labada (2) da dhinacba uga faa’ido badan marka nidaamka “Muraabaxadda” lagu maal galinayo. Tusaale ahan, qof u baahan maaliyad dhan $5,000 waxa laga yaaba in lagu yidha gaadhi ban ku iibinayna intaas ah, iyo faa’ido dhan 20%. Qof ki lacagta rabay, waxa laga yaaba inuu dib u iibiyo gaadhigo si uu lacagtu rabey u helo.
2. Qaladdaadka ay sameeyaan Bangiyadeenu maxad uga hadli waydeen?
Qaladaadka ay bangiyadeenu sameeyan waxa kamida habka loo isticmaalo nidaamka “Muraabaxadda”. Intaynan hoos usi galin qodobkan, aynu isla garanno wa maxay Muraabaxadu, iyo shuruuda looga baahanyay muraabaxadda.
Muraabaxadu sida aw sheegay. Sh.Taqi Usmani waa “Iib gaar ah oo laba dhinac dhex maraaya iyadoo la cadeynayo inta aw yahay cost (kharashka alaabtu) iyo faa’ida (profit) aw rabo qofka iibinaya alabtu (seller)” Mufti Taqi Usmani waxa uu leeyey maadama ay muraabaxadu tahay Iib iska caadiya mahaboona in ay noqoto nidaam wax lagu maalgalinayo. Si ay Muraabaxadu sax u noqoto waxa jira shuruudo looga baahanyey Muraabaxadda, haddii shuruudaha la waayo maaha sax muraabaxadu waxaana shuruudaha aasaas u ah:
Ø Waa in Qofka/Meherada/Bangiga alaabta iibinaya aw yahay mulkiilaha rasmiga ah, sido kale wa inay alaabtu gacantiisana ku jirtaa.
Ø Alaabta la iibinaya waa in ay jirta oon la mala awaalin.
Ø Wa in alaabta la taaban karo, oo aan howo la kala iibsan.
Haddaba sheekhow waxaad ii sheegtaa “tusaale ahaan hadaan rabo inaan gaadhi iibsado” Bangiga iga iibinaya gaadhi uu leeyahay? Waxaad ii sheegtaa Bangiga leh Macrad gawaadhida, ama Baabuurta lagu iibiyo? ama leh store (meel gaadiidka lagu xareeyo)? Miyaan la odhan Karin waxay ka cararayaan/diidayaan khatarta lahaanshiyaha (Ownership risk or inventory risk).
3. (Dual banking system) wanaddan inu yeesho ma dood cusubba?
Sidaan ogsoonnahay waddamadda caalamka Islamku waxa ay wada leeyihin Bangiyo Ribbawi ah iyo kuwo Islamic ah, waxa ka mid ah wadamaddaas, Pakistan, Saudi Arabiya, Kuwait, Qadar, Sudan, Egypt iyo kuwo kalo badan, maxa loo xidhi waayey sheekhow Bangiyadda riba-wiga ah, iyadoo la ogsoonyahay inay sabab u ahaayeen khasaarihin maaliyadeed ee 2008 -2009ki, ma tahay dood hadda bilaabmatey mise wa dood qoraalo badan laga qoray.
Gabogabadii
Waxaan soo jeedin laha in la balaadhiyo doodda, oo la is waydiiyo maxa inoo faa’ido leh. Maaha un inaynu sidii awowyaasheen odhan jireen marka Wiil school lagu daro, “hebel waa la gaaleysiinaya” yeynaan odhan dalka wa la gaaleysiinaya ee wixii ina anfacayya aynu ka hadalno, ka doodno, cilmiyeyno, Bang-giyadda waddanku waxaan qabaa runti in loo baahanyahay cid la tartanta si ay u badato hal abuuradu (entrepreneurs) iyo Kobaca dhaqaale ee bulshada iyo noloshu.
Alle Xaqqa ha ina waafajiyo
Abdirahman Muse
Alfaruk_76@yahoo.com.