MAQAAL: Maxaa U Dhaxeeya Baggiyada Islaamiga ah Iyo Banggiyada Ganacisga (Ribawiga ah)

March 11, 2017 - Written by Maxamed Cabdillaahi Dubbe

1. Waa maxay Banggi Dul-saar leh (Ribo) Conventional Banks?

2. Waa maxay Banggi islaamiya?

3. Maxa u dhexeeya Baggi Islaamiya iyo Baggi Ribawi ah?

4. Banggiga Ribada ah (Baggiyadda Ganacsigga) ma kadaloob dhaqaaluu kena mise koboc dhaqaale?

5. Waa maxay Muraabaxaddu?

6. Maxaa la gudboon ummada Reer Soomaaliland?

 

Haddii anu si kooban uga war bixino kalmadda Baggi (Bank) meeshay ay ka timid, 1657kii ayaa magaalo ku taal Talyaanigga (Italy) oo la yidhaa Bunduqiyah, ayaa waxa jiray rag dadka u haya ama u ilaliya lacagaha iyo dahabka, taas oo ay mushqaayad ka qaadan jireen haytaa ama ilaalintaa.

Nimankaasi dadka lacagaha iyo dahabka u hayn jiray, waxay ku shaqayn jireen miis iyo kursi waa qarniggaa 17aade, miiska ayaa affka Talyaaniga loo yaqaan Bonco, muddo ka dib ayaa loo roggay Banque (Bank) oo ah Baggi, sidaa ayay ku timid kalmadsi.

 

Usoo noqo Baggiyadda Dul-saarka leh iyo Baggiyadda Islaamiga ah, oo ay geedi socodka qormadeenan ay tahay; ma jecli inan taariikhdooda kusii dheeraado, kaliya inan is bar-bar dhigo ayaan jeclaystay labada Baggi.

 

1. Waa maxay Banggiga Dul-saar ka leh (Ribo) Conventional Banks?

Uma baahnin maanta in aynu sii faah-faahino waxa uu yahay Baggi (Bank) waayo, waa shay la iska yaqaan amintan ama xiligan aynu joogno.

Baggi waa haayad maaliyadeed, oo lacagaha la dhigto, u maal-galisana macaamiishooda, maal-galintaas oo noqon karta mid shareecaadu ogoshaya (Banggiyada Islaakma), Iyo tu xaaraan ah oo aan shareecadu ogolayn (Baggiyadda Ribada ah).

Banggiga Dul-saar ka leh, waa Baggi ku shaqeeya inuu Ribo ama Dul-saar ku shaqaysto, isla markaana ay Ribaddu u tahay laf-dhabartiisa dhaqaale, lana odhan karo, Ribadda la’aanteed ma shaqayn karo Banggiga Dul-saarka ahi (Conventional Banks).

2. Waa maxay Banggiga Islaamiga ahi?

Banggiga Islaamiga ah (Islamic Banks) si kooban aynu u tilmaamno; waa Banggi ku dhisan ama ku qotoma shareecada Diinta Islaamka, kana reeban dhamaan wixii kasoo horjeeda Diinta Islaamka, ama ay xaaratimaysay Diinta Islaamku sidda:

* Ribadda

* Khamaarka

* Khiyaamada

* Qararka (Kadsiimadda)

* Maalka kaso baxa wixii ay diiday diintu sida Khamriga, Hilibka doofaarka, Sinada IWM.

 

Haddii labada Baggi, waa Banggiga Islaamiga ah iyo Banggiga Dul-saarka leh (Islamic Banking iyo Conventional Banking), ay kala yihin Baggi Diinta islaamka ku salaysan (Sharia Compliant), iyo Baggi Ribo ku salaysan (Interest Based), sida guud, halkaa ayad ka garan kartaa faraqa u dhexeeya, hasae ahaatee waxaynu isku dayi doonaa, si faah-faahsan inaynu usii sheegno farqadooda ladabaa Baggi.

 

3. Maxa u dhexeeya Baggi Islaamiga ah iyo Baggi ribo ah?

Marka horeba, si kooban hadaynu u sheegno, waxay wadaagaan uun magaca loo yaqan Baggi (Bank), waayo farqa u dhexeeya waa sidda dulka iyo cirrka.

Maxaa ka mid ah faraqa ku dhexeeya labda Baggi?

1. Banggiga Islaamigga ah waxa ugaara:

a. Shareecadda Islaamka ayaa u mus-dambeed ah (loo noqdaa): dhamaan wixii kasoo hor jeeda diinta Islaamka waa mamnuuc, ama lama ogola in lagu shaqeeyo, iyadoo ay hagayaa culimo dinta ku xeel dheer iyo cilmiga dhaqaalaha ee Fiqiga,

oo Guddi u ah Banggiga (Sharia Board), una dhabo-gala dhamaan dhaq-dhaqaaqa

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