Islamic Finance Principles
Agar bank interest charge na karein, toh kya financial system band ho jayega? Nahi. Iski jagah ek bohot transparent framework maujood hai jise 'Islamic Finance Principles' kehte hain.
Islamic finance sirf 5 main rules par khara hai: 1. Riba (Interest) haraam hai. 2. Gharar (Dhoka/Uncertainty) haraam hai. 3. Maysir (Jua/Gambling/Speculation) haraam hai.
Aur aakhri 2 sabse ahem rules:
4. Har transaction jis mein paisa idhar se udhar ho, usay kisi ACTUAL asset (kisi physical cheez) ya clear service se backed (connected) hona zaroori hai.
5. Profit aur risk dono share kiye jaayenge.
Current global system mein Derivatives, Speculation (Satta) aur Credit Default Swaps ke naam par jo paisay se game kheli ja rahi hai, agar yeh 5 asool global finance par apply kar diye jaayen, toh 2008 ki tarah credit market crash hamesha ke liye impossible ho jaye.
Sochiye: Agar bank ko sirf uss time profit milay jab aapka khud ka business ya project profit mein jaye — aur agar aapko loss ho toh bank ko bhi loss ho — toh kya bank kabhi aapko faaltu schemes bechega?
Key Takeaway
Islamic finance profit generation ko nahi rokti. Yeh basically is baat ko lazmi karti hai ke risk, owner aur financier DONO mein barabar share ho.