1. Iingcamango ezisisiseko kwiMali yamaSilamsi
Ukuntywila nzulu kwihlabathi lezemali lamaSilamsi, akunakwenzeka ukuba ungahoyi ukubalasela kwe Riba, eyaziwa ngokuba yinzala, edlala indima ebalulekileyo ekuchazeni ukuba iintengiselwano ezithile zemali, kubandakanywa Forex urhwebo, inokuthathwa njenge-halal (ivumelekile) okanye i-haram (eyalelweyo). Ngelixa iimodeli zezemali zaseNtshona zisebenzisa inzala ngokukhululekileyo njengelitye lembombo kwimisebenzi yazo, iRiba ithintelwe ngokungqongqo kumthetho wamaSilamsi.
Isibhalo esingcwele samaSilamsi, iKur'an, sihlala sigxininisa ingcamango Gharar okanye ukungaqiniseki; ingcamango iphephe ngokungqongqo kwiinkqubo zemali zamaSilamsi. Le ngcinga ngenxa yobume bayo, iye yazisa urhwebo lwe-forex phantsi koqwalaselo phakathi koluntu lwamaSilamsi njengomthombo onokubakho weGharar, ngenxa yokungaqiniseki okukhoyo ekuqikeleleni iintshukumo zemarike yemali.
Umprofeti uMuhammad (PBUH) ucatshulwe ngokubanzi ngesilumkiso sakhe ngokuchasene neGharar, okukhokelela ekugxininiseni kwizivumelwano zezemali zamaSilamsi ukuququzelela ubulungisa kunye nokulingana kwiintengiselwano. Forex Izivumelwano, ngoko ke, zifuna imiqathango ecacileyo yokuthobela lo mba womthetho we-sharia.
Inkalo ebalulekileyo yezemali yamaSilamsi Musharaka umthetho-siseko, othetha isivumelwano sentsebenziswano apho inzuzo yabelwana ngokulinganayo kwaye ilahleko ifunxwa ngokulinganayo. Ukusetyenziswa kumxholo we-forex, oku kuya kufuna indawo yokudlala, apho kungekho qela lixhamla ngokulinganayo okanye lithatha ngaphezulu. ingozi kunomnye.
Ekugqibeleni, umgaqo we IMurabaha, okanye iindleko-kunye nemali, iba yinto ebalulekileyo kwiibhanki zamaSilamsi. Le ngcamango ibandakanya isivumelwano sokuthengisa apho ukuthengwa kunye nexabiso lokuthengisa, kunye nenzuzo imajini, zichazwe ngokucacileyo. Ngokungafaniyo neRiba, lo mkhuba uthathwa njenge-halal. Umbuzo ke uvela, ngaba umgaqo we-Murabaha unokusetyenziswa ngokufanelekileyo kwi-forex yorhwebo?
Ezi ngcinga zisisiseko zezemali zamaSilamsi zibonisa indlela imigaqo-siseko yobuSilamsi engena ngayo ngokunzulu ekuziphatheni kwemali, igxininisa ubulungisa, ukulingana, kunye nokuphepha ukuxhaphaza. Ngoko ke icacisa indlela umbuzo wokuba i-forex yorhwebo i-halal okanye i-haram ayinakuphendulwa ngokulula, kwaye ifuna ukuhlolwa okucokisekileyo kunye neenkcukacha ezichasene nale migaqo engapheliyo.
1.1. Ingcamango yeRiba (Umdla)
Isuka kumthetho wamaSilamsi, inzala, edla ngokuguqulelwa njengomdla, ivelisa imbambano xa kuqwalaselwa Forex ukurhweba ngokwe-halal okanye imbono ye-haram. Ukuxhasa ingqikelelo yeriba yinkolelo yamaSilamsi kwixabiso langaphakathi lazo zonke iimpahla kunye nezibonelelo, ebeka ukuba inzuzo kufuneka iphume kwinyani. trade kwaye utyalo-mali. Ngoku kuhlonipha, inzala imele naziphi na iinzuzo ezigqithisileyo, ezingenabulungisa okanye ezixhaphazayo ezifunyenweyo ukuboleka or trade uqheliselo.
Isitshixo sokuqonda ukuthintelwa kwe inzala yimfundiso yamaSilamsi ekhuthaza ukwabelana ngokulinganayo ngeengozi kunye nemivuzo phakathi kwemisebenzi yezoqoqosho. Ngokwale mbono, ukuboleka imali okanye iimpahla ngokulindela ukufumana inzala kuchasene ngqo nalo mgaqo. Ngenxa yoko, oku kwenza isiseko sengxoxo yokuba Forex ukurhweba kungathathwa njenge-haram ukuba kuyabandakanya inzala, njengoko trades ukuvelisa kwangaphambili inzuzo evela kwiiyantlukwano kwixabiso lemali, endaweni yotshintshiselwano lwemveliso.
Nangona kunjalo, kufanelekile ukucazulula ukuba isivumelwano asivumelaniyo, kunye neengxoxo ezibonisa ukuba inzala ayisebenzi kwindalo Forex ukurhweba. Abanye abaphengululi bamaSilamsi bathi oko nje tradezenziwa ngaphandle kokulibaziseka, ngaloo ndlela kudlula amandla okufumana inzuzo eqikelelwayo, Forex ukurhweba kunokubonwa njenge-halal. Ngokufika kweeakhawunti ezingenamdla okanye 'zeSilamsi' ezinikezelwa ngabaninzi Forex brokers, ukuvumela ngoko nangoko trade le mpikiswano ifumana ukomelela ngakumbi.
Ngokwenene, ingcamango ye inzala igxininisa ukuntsonkotha kokumisela ukuba ingaba Forex urhwebo luhambelana nomthetho wamaSilamsi. Ke ngoko, ukunxibelelana nabaphengululi abanolwazi abangamaSilamsi okanye ukufunda uncwadi olufanelekileyo lwemali yamaSilamsi kunokubonelela ngolwazi oluxabisekileyo, uncedo. traders yokholo lwamaSilamsi ekwenzeni izigqibo ezinolwazi malunga Forex zorhwebo.
1.2. Ingcamango yeGharar (Ukungaqiniseki)
Kwiindlela zokuziphatha zemali, ukuthotyelwa kwengcamango ye Gharar ibalulekile. Eli gama, lisuka kwi-Islamic jurisprudence, liguqulela "ukungaqiniseki" okanye "ingozi". Icacisa uthintelo lweekhontrakthi apho iinkcukacha zingachanekanga, ezinokukhokelela kwimpikiswano okanye inkohliso. I Forex Imakethi isoloko ijongwa ngale lens ngenxa yokungacingeleki kwayo.
Ngaphantsi kwesambulela semali yamaSilamsi, ubukho be Gharar kwintengiselwano ithathwa njengengasebenziyo. Ngoko ke, traders kufuneka alwe nalo mgaqo xa uphonononga i Forex imarike. Ukuhambelana nomthetho wamaSilamsi, Ukuthobela iShariah Forex brokers ukubonelela Iiakhawunti ze forex yamaSilamsi, esebenza ngaphandle kwento yokungaqiniseki.
Ezi akhawunti ezizodwa zisusa inzala, ukuchasana ngokuthe ngqo kwemithetho ebekwe kumthetho wamaSilamsi. Iimbono eziphikisanayo ziyaqhubeka malunga nondoqo we Gharar in Forex ukurhweba. Abanye baxoxa ukuba njengoko amazinga otshintshiselwano lwemali engalindelekanga, Forex urhwebo aluqinisekanga ngokwendalo kwaye ke, luwela phantsi kobubanzi be Gharar, ukwenza kube haram. Abanye, nangona kunjalo, bathi ukuba nje iintengiselwano zigqityiwe ngaphandle kokulibaziseka kwaye akukho ntlawulo efihliweyo okanye iimeko, Forex ukurhweba kuvumelekile ngaphakathi komthetho wamaSilamsi.
Ebalaselisa intetho ngaphezulu Gharar inika ingqiqo kwiingcamango ezintsonkothileyo ezininzi traders xa ujonga umhlaba weenqobo ezisesikweni ze Forex ukurhweba. Okusisiseko koku ngumnqweno wokulungelelanisa iindlela zorhwebo eziyimpumelelo kunye nokubambelela kwimigaqo yokuziphatha nenkolo.
1.3. IHalal (Ivumelekile) Iindlela zokuRhweba kwiSilamsi
Inkolo yamaSilamsi igxininisa kwiindlela zokurhweba ezisesikweni nezilungileyo, nto leyo eyenza kube yinto ebalulekileyo traders ukubambelela kwimigaqo yorhwebo lweHalal. Undoqo worhwebo lwamaSilamsi ulele ekuthinteleni umdla (Riba) kunye nokuqinisekisa ukuba akukho nzakalo (Gharar), kunye nokungaqiniseki kwiintengiselwano. Ukuqinisekisa ukuthotyelwa, tradekufuneka bajongane nokusebenzelana kwabo ngentembeko enkulu kunye nokungafihlisi.
Forex Ukurhweba, njengendlela yokutshintshiselana trade, kufuna ithotyelwe ngokusondeleyo le migaqo. Ngokukodwa, ukusetyenziswa kwe Ukutshintsha-simahla Iiakhawunti zisusa inzala, ukulungelelanisa ezi trades kunye nemigaqo yezemali yamaSilamsi. Ngoko, Forex Urhwebo asiloHaram ngokwendalo kodwa lunokuqhutywa ngendlela yeHalal ngaphandle kokuba luhlonipha izikhokelo ezimiselweyo zamaSilamsi.
Ugqaliselo kwiindlela ezisesikweni ludlulela Forex imigaqo-nkqubo yorhwebo, ukuqinisekisa ukuba akukho qhinga okanye amaqhinga asetyenziswayo. ISilamsi sikwalela ngamandla ungcakazo (Qimar) kwaye ke a intelekelelo yemarike indlela ewela kudidi longcakazo ayikho Halal.
Okokugqibela, kushicilelwe kwilaphu elisesikweni lorhwebo lwamaSilamsi ukuba iimveliso okanye iinkonzo ezithengwayo okanye ezithengiswayo kufuneka zibe Kulungile kwindalo, kwaye ukuba trade akufuneki abe negalelo kumonakalo okanye kwiziphumo ezingalunganga zentlalo. Oko kuthethwa, ingqikelelo yorhwebo lweHalal ayibandakanyi nje ubuchwephesha benkqubo yorhwebo, kodwa kunye neziphumo zokuziphatha kunye nezentlalo trade. Ukulungiselela kuzo zombini iintshukumo zentengiso kunye nobulungisa bentlalo-qoqosho, urhwebo lweHalal kwiSilamsi ludibanisa impumelelo yezoqoqosho kunye nemvisiswano yokuziphatha.
Kwimeko, Forex Urhwebo lunokugqalwa njengeHalal ukuba luhlonipha imigaqo yezemali yamaSilamsi, luthobela iindlela zokurhweba ezisesikweni, luphelise umdla, kwaye alunagalelo kukwenzakala kwezentlalo. Ukuthathela ingqalelo ezi zikhokelo kuya kuhamba indlela ende ekuqinisekiseni iindlela zokuziphatha ezisesikweni kunye neHalal.
2. Forex Ukurhweba kuKhanya lweMigaqo yamaSilamsi
Forex urhwebo luhlala lubonwa njengentsimi emdaka xa kufikwa ekuthotyelweni kwayo Imigaqo yamaSilamsi. Ihlabathi lezemali kunye notyalo-mali alisoloko lichazwa ngokucacileyo kwimbono yenkolo, ngaloo ndlela lidala ukungaqondakali. Umba ongundoqo odlalwayo ujikeleza ingqikelelo ye'riba', okanye umdla, othintelweyo kubuSilamsi.
Abaninzi banokukuphikisa oko Forex urhwebo lubandakanya inzala, njengoko inkqubo idla ngokubandakanya ukutshintshanisa iimali ezimbini ezahlukeneyo kwaye kaninzi kukhokelela kwintengiselwano ebandakanya uhlobo oluthile lomdla. Oku kunokubonwa njengokuchasa uthintelo lwe 'riba', ukwenza Forex urhwebo 'haram' (yalelwe) ngokomthetho wamaSilamsi.
Nangona kunjalo, kunokwenzeka ukuba Forex ukurhweba ukuthobela imithetho yamaSilamsi. Oku kuphunyezwa ngokusebenzisa Islamic, okanye 'halal', Forex akhawunti zorhwebo. Ezi akhawunti zisebenza ngokususa isiqalelo somdla kulo naluphi na uhlobo. Ngoko ke, umntu unokuthatha inxaxheba Forex ukurhweba ngaphandle kokubandakanyeka kuyo nayiphi na intengiselwano ethintelweyo.
Ngaphandle kwezi ngqwalasela, i Ukutolikwa komthetho wamaSilamsi kuyahluka. Abanye abaphengululi bayayixhasa imbono yokuba urhwebo olunjalo alungqubani neemfundiso zonqulo, ukuba luyahlangabezana neemeko ezithile ezinjengokuphepha ukuthengiselana okubandakanya umdla. Ngokuchasene noko, abanye abaphengululi basenokukuthethelela ngamandla oko ngenxa yokubandakanyeka okungangqalanga komdla okunokubakho.
Ngaphaya koko, izinto ze ukungaqiniseki kunye neentelekelelo, ekubhekiselwa kuyo njenge 'gharar' kunye ne 'qimar' kwizemali yamaSilamsi, zikwayizihloko zeengxabano ngaphakathi Forex ingxoxo yorhwebo. Imo eguquguqukayo kakhulu yale marike ihlala ikhokelela ekubeni inyanyaniswe nokungaqiniseki okugqithisileyo kunye nokuziphatha okuqikelelwayo okunokuthi kwakhona kujongwe njengokungahambelani nemigaqo yamaSilamsi.
Ekugqibeleni, ngokuqhelisela amaSilamsi, iba ngumbandela wokugweba komntu kunye nokubonisana nabaphengululi abanolwazi nabathembekileyo abangamaSilamsi ukuze bafumane impendulo ecacileyo. Ukuya trade okanye hayi trade, lo mbuzo uxhomekeke ngokupheleleyo ekuqondeni nasekuqheliseni abantu iimfundiso zabo zonqulo.
2.1. Forex Ukurhweba: Iziseko
Ngaphambi kokuntywila nzulu ukuba ngaba urhwebo lwe-forex luyi-halal okanye i-haram, ukubamba ngokuqinileyo kwiziseko zorhwebo lwe-forex kuyimfuneko. Forex urhwebo, okanye urhwebo lotshintshiselwano lwangaphandle, yinkqubo yokuthenga nokuthengisa iimali ukuze wenze inzuzo. Imarike ye-forex yeyona nto iyilwelo kwaye inkulu kwihlabathi, kunye nomthamo wokurhweba wemihla ngemihla weenkwenkwezi.
Kutheni abantu besenza urhwebo lwe-forex? Amagama amabini: amazinga okudlala. Ngokulindela ukunyuka nokuhla kwexabiso leemali ezahlukeneyo, tradeI-rs ijolise ekuthengeni okuphantsi kunye nokuthengisa phezulu. Le ngcamango isetyenziswa jikelele kwaye ngumqolo we-forex yorhwebo.
Isetyenzwa njani intengiselwano? Kwi-forex yorhwebo, ukudityaniswa kweemali zenziwa - enye ithengwa ngelixa enye ithengiswa. Isixhobo esiphambili esisetyenziselwa ukwenza ezi ntengiselwano yiqonga lokurhweba elinikezelwe ngu broker, okwabonelela ngedatha yexesha langempela kwimarike iintsingiselo, iitshathi, iindaba, Njl
Kufanelekile ukukhankanya imingcipheko ekhoyo. Njengalo naluphi na uhlobo lokurhweba, urhwebo lwe-forex luchaphazeleka kwimingcipheko, iyantlukwano, kunye notshintsho lwemarike olungalindelekanga. Abarhwebi basebenzisa iindlela zokuhlalutya ukuze babone oku kutshintsha, kodwa abakho ngqiqweni.
Isihloko se oluxhathisayo imiphezulu rhoqo kwiincoko malunga forex. Ngamafutshane, i-leverage ivumela a trader ukuya trade izixa ezikhulu kunezo zikwiakhawunti yakhe ngokuboleka enye broker. Ngelixa oku kunokwandisa inzuzo, kunokwenza ilahleko ibe mandundu, ifuna ulawulo olucokisekileyo.
Ukuqonda amandla, ulawulo lwengozi, iintsingiselo zemarike, amaziko abandakanyekayo kunye nokulungiswa kwentengiselwano zonke ziyinxalenye kunye nenxalenye yokuqonda amandla orhwebo lwe-forex. Olu lwazi lusisiseko lubalulekile traders ukwenza izigqibo ezizizo, enye yazo kukuba urhwebo lwe-forex luhambelana nenkolo yabo.
Ngaphakathi kwinkolo yamaSilamsi, utshintshiselwano lwezemali lujongwe ngokusondeleyo kulo naliphi na icebiso inzala (inzala). Ngokomgaqo, intengiselwano yokurhweba akufuneki icele inzuzo engathethelelekiyo kwiqela elinye lodwa. Le yingqungquthela yengxoxo malunga ne-forex ye-halal okanye i-haram status. Kodwa le ngxoxo ifikelela kubunzulu obutsha xa kucazululwa imiba engathandekiyo yorhwebo lwe-forex, kubandakanya ubusuku bonke Qengqela ngaphaya Iintlawulo (SWAP), 'Gharar' (ukungaqiniseki) kunye nee-akhawunti ze-forex ezithobela i-halal-izihloko ezityhila ubunzima obungakumbi bale ntetho itsala umdla.
2.2. Forex Ukurhweba kunye neRiba
Ngaphakathi kommandla worhwebo lwe-forex, umba ophakathi kusetyenziso lwe Riba, umthetho wamaSilamsi ophathelele kwinzala okanye iintlawulo ezongeziweyo kwiintengiselwano zokuboleka imali. Ukungena kwinkqubo yezemali entsonkothileyo, kuyacaca ukuba uninzi lwentengiselwano ye-forex ibandakanya uhlobo oluthile lomdla. Lo ngumcimbi oxhalabisayo kuba iRiba, inqatshelwe ngokucacileyo phantsi komthetho wamaSilamsi, yenza ukuthengiselana, okubandakanya, kwizenzo ezinokuthi zibe yiHaram (engavumelekanga).
Nangona kunjalo, indawo yonke yeRiba kurhwebo lwe-forex ayikuhluli ngokucacileyo njengeHaram. Ukuqonda okunzulu kwee-nuances kutyhila iinketho zamaSilamsi tradeukuba bathathe inxaxheba ngaphandle kokwaphula iinkolelo zabo. Esinye isisombululo esinjalo ngumbono we IiAkhawunti ezitshintshiweyo zasimahla okanye iiAkhawunti zamaSilamsi, ezinikezelwa ngabaninzi brokers. Ezi akhawunti zenzelwe ukuphelisa icandelo lomdla, ngaloo ndlela kugcinwe iindlela zokurhweba ngaphakathi kwemida yeHalal (ivumelekile).
Ukanti, lo mbandela uyaphikisana. Abanye baphikisa ukuba kwanesakhiwo seeakhawunti zoTshintsho lwasimahla zibandakanya ngokungathanga ngqo iifom zeRiba. Ityala linzima ngakumbi ngeemeko apho urhwebo lujika lube ukungcakaza, olunye uqheliselo olwalelweyo phantsi kwemithetho yamaSilamsi. Ukungacaci ke ngoko kulele ekubeni urhwebo lwe-forex luqikelelo kuphela okanye ukuba lunokutolikwa njengomsebenzi worhwebo onegalelo kuphuhliso loqoqosho.
Ekugqibeleni, kufuneka kuhlawulwe imilinganiselo yokuziphatha ukwenza izinto elubala kwezemali kunye nobulungisa, elele kumbindi wemali yamaSilamsi. Nokuba yeyiphi na itekhnoloji yokusebenza eyamkelweyo ukwenza urhwebo lwe-forex luhambelane nezithintelo zonqulo, inokuthathwa njengeHalal kuphela ukuba ibandakanya le migaqo. Ukuqwalasela iingqiqo zobulungisa, ukungafihli, kunye nokuphepha ukungaqiniseki okugqithisileyo kubalulekile.
2.3. Forex Ukurhweba kunye neGharar
Urhwebo lwe-forex yamaSilamsi yindawo enomdla kumaSilamsi traders ngenxa yendalo yayo yokungaqiniseki, edla ngokubizwa ngokuba Gharar. Ingqikelelo yeGharar ibhekisa kuyo nayiphi na intengiselwano ebandakanya izinto zokungaqiniseki, ukungacaci, kunye nomngcipheko, kwaye kwiimfundiso zamaSilamsi, akuvumelekanga ngokungqongqo.
Ukuvavanya Gharar kwimeko ye Forex urhwebo lutyhila ukungaqiniseki okukhulu. Forex urhwebo lubandakanya intelekelelo kumaxabiso emali anokuthi atshintshe ngokukhawuleza nangokungalindelekanga. Umntu akanakuqikelela ngokuqinisekileyo ukuba ingakanani inzuzo okanye ilahleko eya kufunyanwa. Oku kungaqiniseki malunga neziphumo, kuyaqondakala, kuphakamisa imibuzo yeGharar.
Nangona kunjalo, kuqhelekile ukubona iingxoxo ukuba oku kungaqiniseki akubaluli njengeGharar. Iingxoxo ezinje zijikeleza kwinto yokuba umngcipheko kunye nokungacingelwa zikhoyo phantse kuzo zonke iindlela trade. Ngaphezu koko, Forex ukurhweba kufuna isakhono kunye nolwazi lokuhamba ngokuguquguquka kwemarike yemali kwaye ayithembeli kwithuba elimsulwa, iyenza ifaniswe ngakumbi nomsebenzi worhwebo kunomdlalo wamathuba.
Ukuqhubela phambili kwamaqonga okurhweba kwangaphambili anikezela ngeeakhawunti ezitshintshileyo okanye Iiakhawunti zokurhweba zamaSilamsi, iyayigxininisa le ngongoma. Ezi akhawunti zenzelwe ukuphelisa isiqalelo se Riba (inzala), eyenye ingongoma ephambili yosukuzwano ekufumaniseni ukuba ingaba Forex Urhwebo yiHalal okanye iHaram.
Ngelixa isihloko se Forex urhwebo kunye neGharar iphucukile, kunyanzelekile ukuba ufumane ukuqonda okuvakalayo kuyo. Oku kuya kunceda amaSilamsi tradekufuneka benze izigqibo ezizizo malunga nokuvisisana kwemisebenzi yabo yokurhweba nokholo lwabo, baqinisekise ukuba amashishini abo orhwebo awaneli nje ukwenza ingeniso ngokwemali, kodwa ayanelisa ngokwemigaqo nangokomoya.
3. Halal Forex Trading
Kulungile Forex urhwebo ludibaniso olulodwa noluguquguqukayo lweenqobo ezisesikweni kunye nezezimali, ukulungiselela amaSilamsi kwihlabathi liphela. Isekelwe kwimigaqo yamaSilamsi, iyalela ukuba imisebenzi yorhwebo ihambelane nemithetho yeSharia; ukugcina ulungelelwaniso nekhowudi yokuziphatha neyokuziphatha yeSilamsi. Le fomu ye Forex ukurhweba kuphelisa izenzo ezinjengokufumana i-Riba (inzala), kwaye ikhuthaza urhwebo oluselubala, olunobulungisa kunye noluxanduva lwentlalo.
Icrux ye Kulungile Forex urhwebo ilele kumgaqo osisiseko othi "akukho Riba". Ngokwemveli Forex urhwebo, traders badla ngokushiya izikhundla zivuliwe ngobusuku; kwiimeko ezinjalo, banokufumana okanye bahlawule inzala - isenzo esithintelwe ngokungqongqo kwiSilamsi. Le nzala, ekwabizwa ngokuba yi-swap okanye i-rollover, ibonwa njengohlobo lokulobola - i-haram, okanye eyalelweyo, kumthetho wamaSilamsi. Halal Forex akhawunti, okanye Islamic Forex Iiakhawunti, ziyilelwe ukujongana nalo mba, okukhokelela kurhwebo olungatshintshiyo apho kungekho nzala ihlawulwayo okanye ifunyenweyo.
Omnye umba obalulekileyo ekufuneka uqwalaselwe kukuba urhwebo lwe-halal alukho malunga nokubambelela kumgaqo othi 'akukho Riba'. Ukuphumeza izenzo ezisesikweni zoshishino nako kudlala indima ebalulekileyo. Kulungile Forex urhwebo ikhuthaza ukusetyenziswa kwe 'Mudarabah' (ukwabelana ngenzuzo) okanye 'Musharakah' (intsebenziswano) izivumelwano ezikhuthaza ngamandla intsebenziswano phakathi, ukwabelana ngomngcipheko kunye nobulungisa.
Uphawu olubalulekileyo lwe Kulungile Forex urhwebo liqondo layo eliphezulu lokungafihli. Imithetho yeSharia imfuneko ukunyaniseka okupheleleyo, ukungafihli kunye nokukhathalela abanye kuyo yonke intengiselwano. Ye Forex trade ukuba ithathwe njenge-halal, kufuneka izenzekele kwaye ingabi nakulibaziseka, isetyenziswe okanye ingacaci. Abarhwebi kufuneka baveze lonke ulwazi oluphathelele kwisivumelwano, kubandakanywa ubungozi obunokubakho kunye nemivuzo, ukuvumela ukuba kwenziwe izigqibo ezinolwazi.
Kunyanzelekile ukuba nayiphi na trader unomdla ekuzibandakanyeni Kulungile Forex urhwebo kufuneka enze uphando olwaneleyo malunga nesakhono brokers, ukuqinisekisa ukuba izenzo zabo ziyangqinelana nemigaqo yemithetho yeSharia. Ukubhalisa kwisikhokelo somfundi onolwazi wamaSilamsi okanye igunya lenkolo kunokuba luncedo, ukunceda ukuqinisekisa ukuba imisebenzi yorhwebo ye-forex ihlala isemthethweni.
3.1. Iikhrayitheriya zeHalal Forex Trading
Kwindawo yorhwebo lwezemali, umthetho wamaSilamsi ubonisa izikhokelo ezintsonkothileyo ezijolise kubulungisa kunye nokulingana kwezoqoqosho. Omnye umthetho onjalo uchaphazela ingcamango ye Riba, okanye 'inzala', ekwalela ngokungqongqo ukwenza inzala ngokutshintshiselana ngemali. Iyahambelana nale ngcamango, Kulungile Forex Trading akufuneki ibandakanye naluphi na uhlobo lwentlawulo yenzala okanye ukuqengqeleka.
Ingqalelo kufuneka ihlawulwe kumgaqo we Gharar njengokuba. Isithethantonye nokungaqiniseki okanye ukungacaci, iGharar ithathwa njengengavumelekanga phantsi kweShari'ah. Oku kuthetha ukuba kwiHalal Forex Ukurhweba, imigaqo kunye nemiqathango kufuneka icace, icace kwaye ibe mfutshane. Akukho zixhobo zenkohliso okanye ukungaqiniseki zivumelekileyo.
Ukuhlonelwa kwamalungelo abasebenzi kukwayinxalenye ebalulekileyo yomthetho wamaSilamsi. Ngokwenyani, oku kuqinisekisa ukuba iinkampani ezinezabelo traded kwi Forex imarike iphakamisa imigaqo yesidima kunye nentlonipho kubasebenzi babo. Ezi nkampani kufuneka zibambelele kwiindlela ezisesikweni zoshishino njengoko kugunyaziswe ngumthetho weShari'ah.
Ngaphezu koko, akuvumelekanga ngokungqongqo ukutyala imali kwiinkampani ezithengisa izinto okanye iinkonzo eziziphethe kakubi okanye ezingekho mgangathweni. Oku kubandakanya abo babandakanyekayo kwimveliso okanye ekuthengiseni utywala, iimveliso zehagu, ukugembula , ukonwabisa abantu abadala phakathi kweminye imisebenzi yeHaram. Ngoko ke, Kulungile Forex Trading ifuna uphando olubanzi kwiipotfoliyo zenkampani ukuqinisekisa ukuthotyelwa kwale migaqo yomthetho wamaSilamsi.
Ekugqibeleni, umkhuba we Musharaka, ukubandakanyeka kwintsebenziswano apho zombini inzuzo kunye nelahleko kwabelwana ngayo, igcina umgaqo wokwabelana ngomngcipheko kwimali yamaSilamsi. Lo mgaqo kufuneka ubonise i-ethos yeHalal Forex Ukurhweba, ukuphelisa ingcamango yenzuzo eqinisekisiweyo kunye nokuqiniswa kokwabelana ngomngcipheko kwimisebenzi yokurhweba.
Ngokulandela le migaqo, traders inokusukela Forex ukurhweba ngaphakathi kwemida yomthetho wamaSilamsi, ukunika indlela apho imali kunye nokholo zinokuhlalisana kakuhle.
3.2. UbuSilamsi Forex Iingxelo zoRhwebo
YamaSulumane Forex Iiakhawunti zoRhwebo zibonelela ngesisombululo esisodwa kumaSilamsi tradeabahlonela imigaqo engcwele yomthetho wamaSilamsi-okwaziwa ngokuba yiSharia Law. Xa udibana ne Forex market, inkxalabo ebalulekileyo yamaSilamsi amaninzi traders kukuthintelwa kweRiba okanye ukuqokelelwa komdla. Ngokwemveli Forex Iiakhawunti zokurhweba zifumana okanye zingenisa inzala xa isikhundla sigcinwa sivuliwe ngobusuku β isenzo esithathwa njengesingamkelekanga phantsi komthetho wamaSilamsi ngenxa yokwalelwa kwenzala.
YamaSulumane Forex Iingxelo zoRhwebo, ngamanye amaxesha kuthiwa zi-akhawunti ezitshintshileyo, zithobela imigaqo yomthetho wamaSilamsi. Ezi akhawunti azinaRiba, okuthetha ukuba akukho nzala ihlawuliswayo okanye ifunyenwe kwizikhundla ezibanjwe ngobusuku. Lo mba ubenza bahambelane neenkolelo zonqulo zenxalenye ebalulekileyo yoluntu lwezorhwebo oluthobela le mithetho yamaSilamsi.
Ngaphandle kokungabi naRiba, YamaSulumane Forex Iingxelo zoRhwebo ziyasebenza ziyafana nesiqhelo Forex akhawunti zorhwebo. Bavumela ukurhweba kuzo zonke izibini zemali kunye neekontrakthi zetsimbi eziqhelekileyo ezifumaneka kwiiakhawunti eziqhelekileyo.
Inqaku elibalulekileyo lokwahlula yinkqubo yoTshintsho-Mahala. A "ukutshintsha" ngaphakathi Forex Ulwimi lubhekisa kwinzala efunyenweyo okanye ehlawulweyo ngokubamba izithuba zokurhweba ngobusuku. YamaSulumane Forex Iingxelo zoRhwebo ukubonelela ngeendlela zamaSilamsi traders ukuthatha inxaxheba kwimali yehlabathi kwiimarike ngoxa bezixhasa iinkolelo zabo zonqulo.
Ukukhutshwa kwe-swaps, nangona kunjalo, kuthetha ukuba ezinye brokeriminyaka inokumisela ezinye iintlawulo okanye usasazo olubanzi YamaSulumane Forex Iingxelo zoRhwebo ukuhlawula ukungabikho kwemivuzo etshintshiweyo. Abalindelekileyo tradebayakhuthazwa ukuba baziqonde ezi mpembelelo zinokuba kho kunye nomahluko ngokupheleleyo.
Ukuhambahamba kwiimarike zemali ngelixa uhlala unyanisekile kwimigaqo yomntu kunokuba nzima; ngoko, hlala uthembele brokers ilawulwa kwaye inikwe ilayisensi ngoogunyaziwe bezemali abahloniphekileyo. YamaSulumane Forex Iingxelo zoRhwebo unikeze isisombululo esisebenzayo kumaSilamsi traders ukuhlala belungelelene nemigaqo yabo yonqulo ngelixa besukela iinjongo zemali.
3.3. IShariah-Compliant Financial Regulation
Kwibala lokurhweba ngemali, umda we Umthetho wemali ohambelana neShariah ithathwa njengebaluleke kakhulu, ngakumbi xa iimali zorhwebo zinjalo Forex. Ukuthobela imigaqo ebekwe yinkolo yamaSilamsi, kubalulekile ukuqonda ukuba umsebenzi wokurhweba unokuchazwa njenge-halal (ivumelekile) okanye i-haram (enqatshelwe) ngokuxhomekeke kule migaqo.
Iintengiselwano ezihambelana nomthetho wamaSilamsi okanye Sharia, zidla ngokubizwa ngokuba yi-halal. Forex urhwebo, ukuze lubonwe luthobela iShariah, kufuneka luhambelane nemigaqo ethile yokusebenza. Enye yemimiselo ephambili ijikeleza ingcamango yokutshintshiselana ngokukhawuleza, okanye 'indawo yokuhlala'. Kulo mxholo, iimali ezithengiweyo okanye ezithengisiweyo kufuneka zidluliselwe ngumthengisi kumthengi kwaye ngokuphambeneyo, kwixeshana elifutshane elinokwenzeka, ngokuqhelekileyo phakathi kweentsuku ezimbini.
Enye into ebalulekileyo kukuthintelwa kwe "Riba" okanye ukulobola. Oku kuthetha a trade akufunekanga ungenise naziphi na iintlawulo zenzala okanye inzuzo, unika inzala Forex akhawunti okanye swaps njenge-haram kwimali yamaSilamsi. Forex amaqonga okurhweba ahlala amaMuslim tradeI-rs ihlala ibonelela ngee-akhawunti 'ezingatshintshiyo' ukuqinisekisa ukuba akukho ntlawulo yenzala ibizwayo kwiindawo zokulala ebusuku, ukugcina isimo sokuthobela iShariah.
Ukubambelela kwi Gharar, okanye ummiselo ngokuchasene nokungaqiniseki okanye ukungacaci, yenye into ebalulekileyo yokuthobela iShariah. Forex ukurhweba. Iqaqambisa ulwazi olucacileyo lwemigaqo yekhontrakthi, iqinisekisa ukucaca kwangaphambili malunga nexabiso, ubume bemveliso, kunye nexesha lotshintshiselwano. Ngaloo ndlela iphelisa naziphi na izenzo ezigwenxa kunye nenkohliso, isebenza njengesikhuselo sawo omabini amaqela abandakanyekayo trade.
Ekugqibeleni, ngokwembono yorhwebo halal, i traded imali kufuneka ibambe ixabiso langaphakathi, ithintele naluphi na uhlobo lorhwebo oluqikelelwayo olunokukhokelela kwilahleko enkulu okanye kwinzuzo, ngaloo ndlela ilungelelaniswa umgaqo wobulungisa wolwabiwo lobutyebi kwiSilamsi.
Ngoko ke, ngokwezi zikhokelo, Forex Urhwebo lunokuthi luthathwe njenge-halal, ngaphandle kokuba luthobela yonke imimiselo emiselweyo ehambelana nemithetho yezemali yamaSilamsi.
4. Ingxoxo-mpikiswano Forex Ukurhweba kwi-Islam
Kwiimeko ezahlukeneyo zezemali zehlabathi, Forex urhwebo lumi njengentsika yesikhumbuzo. Intetho ebalulekileyo ejikeleze le ntsika kukuhambelana kwayo nemigaqo yamaSilamsi, ngokukodwa ifakela ingcamango yeHalal (ivumelekile) kunye neHaram (engavumelekanga). Apha, unxibelelwano oluntsonkothileyo lweenqobo ezisesikweni, inkolo, kunye nezezimali luza kujoliso olubukhali.
Riba, okanye ukulobola, kunendima ebalulekileyo kule ngxaki. Kumthetho wamaSilamsi, ukuxhaphaza iimfuno zabanye ngenzuzo yobuqu ngenzala yemali-mboleko kuthathwa njenge haram. Abaninzi benza ungqamaniso kunye Forex ukurhweba ngenxa yotshintshiselwano okanye umrhumo we-rollover ohambelana nokubamba isikhundla ngobusuku obunye, ucingisisa ukuba oku kunokubonwa njengohlobo lwenzala.
Ngolunye uhlobo, abanye bacinga ukuba le ntlawulo inokuthelekiswa nayo Maisir, oko kukuthi, ukugembula . Izinto ezithile zomngcipheko ezihambelanayo Forex urhwebo, njenge ukungazinzi amaxabiso emali kunye nokubakho kwelahleko okanye inzuzo engalindelekanga, kukhokelele ekuthelekisweni nemidlalo yamathuba. Ngokwembono yamaSilamsi, naliphi na iphulo elithathwa njengongcakazo ngakumbi kunotyalo-mali olusemthethweni liwela ngokukhawuleza kudidi lwe-haram.
Ngokuchaseneyo, kukho ukuphikisana okuqinisekisiweyo Forex ukurhweba njengokwenyani, umsebenzi woqoqosho osekwe kulwazi ozibiza ngokuba yi-halal. Ukuqonda okumandla kuqoqosho lwehlabathi, uhlalutyo olucokisekileyo, kunye nesikhokelo sobuchule sokwenza izigqibo a tradeimpumelelo r, ukwahlula imidlalo esulungekileyo ithuba.
Ixesha lentengiselwano, isithethe samaSilamsi esibizwa ngokuba yiBay' al 'inah, nayo ibalulekile ukuba iqwalaselwe. Ukulindela utshintshiselwano olukhawulezileyo kwintengiselwano ayisoloko idibana Forex ukurhweba ngenxa yenkqubo yokuhlalisa iT+2 esetyenziswa rhoqo. Iinkxalabo malunga nokugqitywa okumisiweyo kwe tradezinyusiwe, zinobunzima obukwimo yazo ye-halal.
Ngenxa yezi ngcamango, ezininzi brokers ziye zalungiswa Iingxelo zamaSilamsi, ejonge ukulungelelanisa iinkonzo zabo kunye nemigaqo yamaSilamsi. Iiakhawunti ezinjalo azibizi ntlawulo zokutshintsha okanye inzala, zizama ukuya kwisakhiwo esingena-Riba. Ukukhawuleziswa kweentengiselwano nako kubekwe phambili.
Ukujonga iinuances ze Forex urhwebo ngaphakathi kolwakhiwo lomthetho wamaSilamsi luntsonkothile ngokwenene, lufuna ukuqonda okunzulu kunye nokutolika ngononophelo. Ukuphononongwa ngononophelo kwe Forex izenzo zokurhweba ngokuchasene nemigaqo yeRiba, iMaisir, kunye neBay' al 'inah iyimfuneko, kwaye uphuhliso kunye nokwamkelwa kweeakhawunti zamaSilamsi zibonelela ngendlela yamaSilamsi. traders ekurhwebeni kwehalal.
4.1. Iimbono ezahlukeneyo phakathi kwabaphengululi bamaSilamsi
Kuyo yonke imiba ebanzi yeengcinga zamaSilamsi, abaphengululi baneembono ezahlukahlukeneyo malunga nalo Forex ukurhweba phantsi komthetho weSharia. Ukungavumelani okuphambili kuvela malunga nomba we inzala - Inzala okanye inzala - umsebenzi onqatshelwe ngokungqongqo kwiSilamsi ngenxa yenkolelo yokuba imali efunyenwe ngokuqikelelwa okanye ithuba ayikho halal, okanye ivumelekile.
Mufti Taqi Usmani, oyena mntu ukhokelayo kwezemali yale mihla yamaSilamsi, uxhomekeke kwisithintelo kwiintlobo ezininzi ze Forex ukurhweba. Ubeka ukuba iimeko ezithile kufuneka zifezekiswe ukwenzela ukuba loo ntengiselwano ihambelane nemigaqo yezemali yamaSilamsi. Ngokomzekelo, ukutshintshiselana kufuneka kube ngokukhawuleza, kwaye iindleko ezipheleleyo zokuthenga kufuneka zihlawulwe ngexesha le-deal, ngaloo ndlela ingabandakanyi ithuba lokuqokelela inzala.
Amazwi aphikisayo, nangona kunjalo, enza ityala elinyanzelisayo lokuvunyelwa kwe Forex Ukurhweba. UGqr. Zakir Naik |, umphengululi obalaseleyo kwinkolo ethelekisayo nakwizifundo zamaSilamsi, uhlala ecela umngeni kwimvumelwano ngokuchaza ukuba Forex Urhwebo lunokuba semthethweni, ngaphandle kokuba alubandakanyi izinto zongcakazo okanye intelekelelo egqithisileyo.
Esinye isikolo sokucinga, esikhokelwa USheikh Hacene Chebbani, ilungelelanisa iimbono zombini. Ucinga ngelo xesha Forex Ukurhweba akufuneki kuthathwe njenge-haram ukuba kwenziwa ngaphandle kwezenzo ze-surious, amaSilamsi kufuneka asebenzise inkuthalo engqongqo ukuqinisekisa ukuba izenzo zabo zorhwebo zihlala ngaphakathi kwemida yemigaqo yamaSilamsi.
Ngokucacileyo, ayiyonto engaphakathi Forex urhwebo olutsala izimvo ezahlukeneyo, kodwa iindlela kunye neemeko apho urhwebo luqhutywa. Ukuphononongwa ngononophelo kwendlela yokurhweba yomntu ngoko kubalulekile ekuphumezeni ukuthotyelwa kwemigaqo yomthetho wamaSilamsi.
4.2. Imbono yabarhwebi kwiSilamsi Forex Trading
Kwindawo ye Forex ukurhweba, iseti ekhethekileyo ehlala ivuthisa intaphane yemibuzo yiSilamsi Forex Ukurhweba. Ithathwe kwizigwebo zabaphengululi bamaSilamsi, olu hlobo lwe Forex urhwebo luthobela imigaqo engundoqo yomthetho wamaSilamsi. Lo mthetho, owaziwa ngokuba yi-Shariah Law, unezithintelo ezicacileyo ngokuchasene nenzala okanye inzala - eyona nto iphambili kwiindlela zorhwebo eziqhelekileyo. Umgaqo othi "Riba" okanye inzala efakwe kwiikhontrakthi kunye nezivumelwano zoshishino ziqwalaselwa Haram (kuthintelwe), ukwenza kube ngaphandle kwemida kuye nawuphi na umSilamsi trader.
Uphando olunzulu kunye nokubonisana kunye nabaphengululi bamaSilamsi kuye kwavelisa ingcamango yeSilamsi Forex Iiakhawunti, ezaziwa ngokuba Tshintsha Mahala Forex Akhawunti. Ezi akhawunti zime njengesisombululo esinokwenzeka kumaSilamsi traders, ukuphelisa ubusuku okanye i-rollover inzala kwizikhundla ezibanjwe. Olu luhlengahlengiso olunenzuzo ngokuchanekileyo ngokuhambelana nemigaqo yoMthetho weShariah, ngaloo ndlela uphawula olu hlobo lorhwebo njengento enokwenzeka. Kulungile (ivumelekile).
Izimvo ezivela trader ayahluka ekwamkeleni kwawo amaSilamsi Forex ukurhweba. Abanye trader babona le nzame njengeendlela zokudlula imiqobo ebekwe nguMthetho wamaSilamsi. Bakhetha ukuba ukubuyiswa kwakhona kweentlawulo zosuku kumagama ahlukeneyo akuphepheli ngokwenene umgaqo weRiba. Elinye icandelo le traders, nangona kunjalo, uyayixabisa iSwap Free Forex Iiakhawunti kwaye uyayixabisa tradeiyavisisana neenkolelo zabo zonqulo. Bakholelwa ukuba ezi ngxelo zixhasa undoqo we Hayi Riba kwaye ubavumele ukuba bathathe inxaxheba kwihlabathi Forex imarike, ngokuthethelelekayo kwaye ngaphandle naliphi na ityala. Ngenxa yoko, amaSilamsi Forex urhwebo lufumene indawo yalo phakathi kwamaMuslim traders kwihlabathi jikelele.
Nangona kuxoxwa, iSilamsi Forex urhwebo, kunye nomgaqo walo wokungabi nanzala, lufumene ukuqondwa phakathi traders kwihlabathi jikelele. Ngoxa abanye traders bahlala bethandabuza, inani elichukumisayo linyathela le ndlela ngenxa yokuhambelana kwayo nemithetho kunye nemimiselo yamaSilamsi. Olu lungelelwano phakathi kwemithetho yenkolo kunye neendlela zorhwebo zangoku ngumzekelo we umoya wokuziqhelanisa in Forex zorhwebo.
4.3. Ukujonga ukungaqiniseki
Ukuqonda ingcamango emva korhwebo lwe-forex kubalulekile. Into esisiseko ekufuneka iqwalaselwe kukungaqiniseki okanye "iGharar" kumthetho wamaSilamsi, ebhekisa ekungacaci okanye ukukhohlisa. Ngokwamagama obugcisa ngakumbi, oku kuthetha intengiselwano engakhuselekanga ngaphakathi nesiphumo sayo singalindelekanga, kwaye ke, inokubangela ilahleko enkulu yemali.
In Forex urhwebo, izinto ezithile zinokuzisa izinto zeGharar, ezinje ngokutshintshana ebusuku okanye ukucinga trades. Ezi zinto zenze i-crux yengxoxo-i-forex ye-haram ye-forex (enqatshelwe) okanye i-halal (ivumelekile)?
YamaSulumane Forex Akhawunti, okanye iiakhawunti ezingatshintshiyo, zenziwe ukuba zifake amaSilamsi traders. Ezi akhawunti zithobela imithetho ye-Sharia ethintela ukuthengiselana okubandakanya inzala (i-Riba). Bakhululekile kwi-swaps yobusuku kunye nezinye izinto ezinokuzisa i-Gharar, ngaloo ndlela zibonakala ngathi urhwebo lwe-forex luvumelekile.
Ukanti, abaphengululi bayahlukana kwiimbono zabo ngalo mba. Abanye bakholelwa ukuba ukungabikho kokutshintshana ebusuku kuphelisa izinto ze-Gharar, okwenza i-forex yokuthengisa i-halal. Nangona kunjalo, abanye baxhasa ukuba ukungaqiniseki kuhlala kuphezulu ngenxa yokuxela kwangaphambili umphumo we-forex trades icela umngeni, ngaloo ndlela ingqiyame kwingxoxo yokuba urhwebo lwe-forex yi-haram.
Xa ujonga oku kungaqiniseki, umSilamsi traders kufuneka ithathele ingqalelo imiba eyahlukeneyo enzima yorhwebo lwe forex. Kuhlala kucetyiswa ukuba ufune isikhokelo kubaphengululi abanolwazi kwizemali yamaSilamsi kwaye uqwalasele iindlela zokurhweba ezihambelana nomthetho wamaSilamsi. Sisihloko esinezimvo ezahlukeneyo, kwaye utoliko lomntu lunokuchaphazela kakhulu ukuma kwabo malunga nokuba urhwebo lwe-forex yi-haram okanye i-halal.
