Response to 23 Questions - Part 23 - Interest / Usury (Sood) - Javed Ahmed Ghamidi

Response to 23 Questions on Religious Opinion of Javed Ahmed Ghamidi
Part 23 - Interest / Usury (Sood)
Banking, Mortgage, Student Loan, National Savings, Bank Job, Prize bond
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▶ About Javed Ahmed Ghamidi:
Javed Ahmed Ghamidi is a Pakistani Muslim theologian, a Quran scholar, and an educationist. Mr. Ghamidi is a student of Maulana Amin Ahsan Islahi and Maulana Abul A’la Maududi. Mr. Ghamidi has authored several books, including the bestseller ‘Meezan’, in which he presents a comprehensive treatise on the entire content of Islam. Mr. Ghamidi is a researcher and a critical thinker who has challenged many aspects of the traditional Muslim schools of thought on the basis of evidence from Quran and sunnah.
▶ About Ghamidi Center Of Islamic Learning:
"Ghamidi Center of Islamic Learning", an initiative of Al-Mawrid US, is established with a single purpose, to educate people of all ages about moral, ethical, and humane values as taught in Islam. Our aim is to separate history and culture from Islam and teach it in its purest form as a field of knowledge and not enforce it as a creed. We base our instruction method on argument and logic and encourage healthy criticism. An institute where traditional and historical knowledge can be understood as well as challenged with reason.
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00:00 پچھلی گفتگو کا کچھ خلاصہ
1:15 کتاب مقامات میں بینکنگ کے شعبہ کو دی جانے والی تجاویز پر گفتگو
24:47 غیر کاروباری ضرورتوں کے لیے قرض اور افراط زر
29:34 کسی مسئلے کے بارے میں رائے کے اطلاق کے فرق پر گفتگو
38:18 جاوید صاحب کی تجاویز پر اعتراضات کا جائزہ
50:23 کیا بینک کی نوکری جائز ہے
52:06 کریڈٹ کارڈ میں موجود لالچ کے عنصر اور بعض کمپنیوں کے ریوارڈ دینے پر گفتگو
56:06 کرپٹو کرنسی اور آئے دن نئے پیش آنے والے معاملات میں اصل رائے کون دے گا
#GCIL #JavedAhmedGhamidi #FromGhamidiDesk #AlMawrid

[@GhamidiCIL]

GET THE APP To Ask Questions and Join Community Discussions! www.ghamidi.org/app

[@Waqaskhan-hp8nv]

@Sarim Javaid Khan I am not

[@safiarafiq8335]

Khas depist msin pention certificat per jo profit milta hai woh sood to nahin hai?

[@Bilal_A_K_Niazai]

شُکر اُس رَب کا کہ جس نے مُجھ ناچیز کو استادِ محترم غامدی صاحب جیسی عظیم نعمت سے نوازا! 😍 💕

[@illogical-mind]

I wish our so called Ulemas could shed their arrogance and bias, and listen to this series attentively to learn and enhance their knowledge on Islam. Thank you Ghamidi Sb. jazakAllah !!

[@ImNoSherazi]

بجا فرمایا... کسی بھی عالم نے اتنی وضاحت کے ساتھ اس موضوع پر بات چیت نہیں کی ہو گی

[@mohammedalam1649]

Alhamdulillah. Very informative series. Allah Ghamdi sahab ko salamat rakhe.

[@asadkhanniazi7613]

Blessed to live in the era of Ghamdi sb❤️

[@User00571]

Batain krwalo in sy bs

[@jenifferbrown2297]

Ability to look into the finest details of any thing is Allah's gift to an individual and I think janab ghamdi sb is such an individual who has that gift.

[@EpicGameZone814]

ALLAH ghamidi sahab ki umer daraz kare. The true interpreter of islam.

[@ZIaIqbal]

I wish that other ulema would open their minds, and think the way Ghamidi Saheb does, excellent explaination of the thought process.

[@IjazKhan-sj3cz]

Great explanation God bless you.

[@abdulrahimqasim9562]

Very Informative Series. He is providing practical and shariah compliant solutions in comparison to Islamic Banking.

[@klacontactbackend7710]

Jazzak Allah

[@mlohia]

Thank u . We expect more lectures of stock market investment working and working with options and also about future contracts for all commodity and review of our deen for the same

[@saeedahmed6013]

Bat karnay ka Kitna khoobsurat Andaz hai istadlal k Sath illum k samundar bool Raha hai salamat rahain moonh choom lanay ko Dil karta hai Allah hami o Nasir ho

[@masaabsoha]

JazakAllah, beautifully explain every little thing 👌🙏🌹💐

[@gualmgausshirani7504]

aaa

[@muhammadasifkhan2296]

Mashallah bohat ala ilmi bayan hy hamysha ki tarah allah aap ko khosh rakhy ameen

[@rashidmehmood5918]

Bhot zaberdast tarekay say explain kia

[@Hellochillpill]

One of Islamic superman ...........Allah pak Slaamat rakhy or jaza de ....

[@bilalahsan678]

One of the most beneficial talk..jzk

[@athunderbolth9646]

When it comes to paper currency that is not tied to a gold standard, two things happen: 1. The question of usury does not arise because fiat currency does not have intrinsic value over which there would be a definite gain 2. A long term agreement poses the problem of equity when the capital invested is returned in the current investment amount that due to the effects of inflation over time will have reduced in value at the end of the term. For example if you borrow from me Rs 100 today and return Rs 100 (same amt) after 10 years., then that Rs 100 will not have the same purchasing power as it has today when you return it. That is why there is what we call Indexation bymeans of which the value of todays rs 100 is made equitable by adjusting it for 10 yrs hence. Indexation is not usury

[@muhammadrana5616]

JazakAllah Ghamidi sahib

[@aqshaquraishi9851]

You're absolutely right ustad sahab

[@sultanmuhammad4559]

Thank you Ghamdi sb for informative discussions on banking. Mera question he ke National Savings walay senior citizen/widows/disable ko investment par Behbood Certificates par profit dete hn. Es profit ke husool ki islamic point of view se kia hesyat he rehnumai farmayen.

[@shakeelkhan-rg8tp]

Mashaallaha Very nice Sir assalamualyecum Like your style...🤲

[@SurgeonSuhailAnwar]

A great man with a huge vision

[@sameer-111]

Q. In his book ‘Maqamat’ (Selected Essays of Javed Ahmed Ghamidi), what are the suggestions that Ghamidi sahab has prescribed for the field of banking? What is the problem in adopting the principles of Fiqh about ‘partnership’ and ‘stake-holding’ in the current system? 1st Suggestion - Hire Purchase arrangement - What is the nature of mortgage? From 0:12 to 10:23 Q. 2nd Suggestion - Principal-Secured Financing and Nominal Profits on the basis of estimations From 10:23 to 20:00 Q. 3rd Suggestion - Transactions with Bank’s Credit as a mode of sale and purchase - Why is monetary fine or penalty not the same as ‘interest’? From 20:00 to 24:46 Q. Ghamidi sahab has written in his essay that if money has been lent for non-business purposes, then the banks, as a consequence of the inflation, should not charge anything extra other than the actual amount lent. What is the meaning of this suggestion? What should be the attitude towards such Ijtehadi applications? From 24:46 to 29:34 Q. Why should the methodologies and applications in the matters of banking be understood and analyzed instead of directly jumping to the outcomes and criticizing the intent of someone? Case study of the application of Halal and Haram on ‘Marukut Tasmiah’ by Imam Shafi’i From 29:35 to 35:19 Q. In case of mortgage, Ghamidi sahab says that the extra amount which the bank is charging is actually the rent of usage. Critics object that it cannot be categorized as rent because the usage means to take something on rent and then return it after usage. Nothing in it becomes your property. Similarly, in cases of rents, the owner takes responsibilities of the maintenance of the house. In mortgage, this doesn’t happen. Then, how can the amount paid to the bank be categorized as rent? Shouldn’t the bank take responsibility for maintenance? From 35:19 to 40:23 Q. Is there any direct command in the Shariah that when you do a partnership business then the partnership should be based on both the profits as well as losses? From 40:23 to 43:29 Q. In the condition where a business is closed, the principal amount can be demanded by the bank while the profit will not be. However, if the person’s business has sunk, and he cannot even pay the principal amount, on what principle of fairness can the bank demand back the principal amount? From 43:29 to 45:13 Q. Considering the principles of fairness, why is it compulsory for an individual to return the inflationary amount since inflation is not his fault and occurs due to the larger economic processes in the society and the world? From 45:13 to 48:04 Q. Why has Ghamidi sahab advised pious individuals to avoid National Saving schemes and simultaneously said that orphans or widows may go for it? From 48:04 to 50:22 Q. In the present state of the banks, where these reforms have not been adopted in totality and the banks deal in loans and financing while charging ‘interest’, if a person is employed in the bank, would his income be considered as Haram? 50:23 to 52:06 Q. In the case of Credit Cards, isn’t the bank exploiting the individuals by tempting them to buy things? From 52:07 to 55:13 Q. Are the rewards which are offered in terms of credits and savings for shopping up to particular amount permissible? From 55:13 to 56:05 Q. In issues like cryptocurrency and other modern monetary innovations, what principles should be kept in mind while evaluating applications and determining their relation with the religious guidance. Who has the final authority in these matters? From 56:06 to 1:02:22

[@Aasifkhan-np3qm]

Jazāk Allāhu Khayran

[@zainul592]

جزاكم الله خيرا

[@sms7968]

Brilliant spot on.

[@sairaqureshi8470]

I wish Pakistani banks and concerned people understand the concept and start applying it. It wii benefit common people

[@ahmadrashidwatanpahlzazai1145]

Excellent!

[@illogical-mind]

Waiting...

[@DinamikaSoe]

سود کے اعتراضات پر سب سے ضروری قسط ابھی تک یہی ہے۔

[@pakschoolsystem3237]

Excellent explation

[@SurgeonSuhailAnwar]

It’s a shame that the original intro music has been changed - it was awesome please bring it back.

[@hammad827]

Speaking of the UK, ulema have already moved to a stage where they are devising products which are in line with what Dr. Ghamdi is suggesting. He is making very good recommendations. But Dr. Sahab is mistaken on the permissibility of paying interest (as opposed to receiving). There are multiple ahadith which are clear about giving as well as taking. موكله cannot be taken to mean agent in light of all of those ahadith.

[@soldieronduty0]

Can you please mention those hadiths?

[@majidaziz6178]

Great

[@nadeemraza8319]

In next please clarify regarding education loan in Islam as in India bank give education loan on interest. Mohammad Nadeem from India, Jazakallah khair.

[@syedhassan1807]

Allah bless you

[@muhammadazhar5495]

Kya bank me savings account open kr k us me paisa rkhna or us pr nfaa hasil krna, meri tarf se principal secured financing hai ?? Plz guide sir, stay blessed

[@thecrochetboy]

I have one question about the application of Hire and Purchase model. If I am using something and paying its rent, it’s bound to wear out with use and that’s basically what I’m paying for and when I purchase something for its actual value, it’s must not be worn out and be in a fresh condition. So if in case of hire and purchase, I’m paying the rent for the product and essentially wearing it out and until I have simultaneously paid its actual value which would be say after 5 or 10 years, I won’t be getting a fresh product but something that was hypothetically used for 5 or 10 years by someone else which would not be fair since I’ve just completed the full payment of the product. Hope to get a response

[@zubairahmed4904]

میرا تعلق بھی بینک سے ہے اور اسلامک بینکنگ ماڈل میں بھی کچھ عرصہ گزارا اور آپکی پوری 4نشست سننے کے بعد جو آپکے تجاویز ہیں وہ بلکل قابل غور ہونی چاہیے اور یہ پاکستانی بینکنگ کے لئے آسان راستہ ہوگا اور جہاں فنانشل فتوی کا جو ایک نا ختم ہونے والا سلسلہ ہے وہ بھی ختم ہوجائے گا.... لیکن بدقسمتی یہ ہے کہ جو فنانشل فتوی دینے والے حضرات ہیں وہ ان تجاویز کو کبھی زیر بحث لانے نہیں دینگے....... دین کے لئے اور ہم جیسے کم علم والے لوگوں کے لئے آپ کی خدمات اور علم صدیوں تک روشنی پھیلائینگے انشاءاللہ❤❤

[@roomanamohsin1078]

Aap ne kaha k saving certificates theek nahi mgr banks k loan ko jaez qaraar diya mgr certificates ma bhi principal amount save rahy aur hamain aik fixed amount munafa milay tou ye bhi qarz par munfaat hogi?

[@anamyounas488]

Sir I am understanding your point that mortgages houses are like you paying rent and house instalment together and it's not wrong but as I feel it becomes wrong when the interest rates fluctuate within the time. Please explain this Jaza ka Allah

[@mohdhasan86]

Please ye batadijye ki hadees k project kitna hogya aur iska jo phla hissa h wo kb pulished hoga

[@RAHIMKHAN-bc9kk]

❤

[@syed_ehtsham_9]

❣

[@DinamikaSoe]

If enough people become a team a new bank can be started under the umbrella of Islam. FREE of usury and profitable

[@ASIFRAZA-fi2vx]

Aoa if a borrower gives you an additional amount with the money lend to him with his own will is it halaal for the money lenDer to take it? Plz do reply

[@SMalik86]

Very complex subject. I find it hard to reach a conclusion

[@tajammulsiddiq6697]

Jazakallah. Bijli k bill ki adaigi nhn kartay tau izaafi penalty li jaati hai aur Kuch month(s) ki dues pay na kiay Jain tau bijli ka connection kaat diay jatay hain ...jb tk consumed units ki payment aur penalty ki payment na ki jay tb tk connection bahaal nhn kia jaata .... Tau penalty laina jaiz Hoga kia is maamlay main jb k connection hi bnd kardia jay ? Kia dono iqdaam aik sath zulm main shaamil nhn Hoga jb k ye necessity main shumaar hotay hain ? Dosra sawaal hai k national savings aik government/State ka idaara hai..aur government aap k paisay se karoobar kar k khud bhi kamaati hai aur investor ko bhi profit share Karti hai .... government/state ko nizaam chalanay k lyay funds ki zarorat hoti hai aur agar awaam k paisay istimaal hotay hain jaiz karoobar k lyay tau is main kia burai hai ? Private banks aur national savings ka idaara kia aik hi shumaar Karaingay ? Aj k daur main awaam Kisi jagah paisay invest karnay main ghabraati hai k kahin koi fraud na karday .. national savings k certificates aik security daitay hain awaam ko k in k paisay mahfooz rahaingay .. is p bhi apna opinion dain ... Jazakallah

[@mohammedkafeel8009]

Sir what about purchasing and selling bank share

[@liaqatali-lb1tt]

It would have been far better had Ghamidi Sahab visited a commercial Bank and would have seen the documents which are being obtained from the borrowers in case of house finance/car finance. Unless and until the Bank has taken an item in its possession and have transferred the same in the anme of Bank legally by meeting all the formalities for normal transfers/registrations, it cannot sold out to others this item on defferred payments. The Hire Purchase agreement as Ghamidi has discussed is purely interest basis.

[@Realt0rReels]

True. The thing is buying a house or a car purely depends on the borrowers resources and credit worthiness. Borrower can have a decent income with really low credit score or the opposite, resulting in high interest rates. I have always financed my cars and have never paid any interest on it. Only two reasons stable income plus high credit score. So again sense of responsibility, honesty plays all the time. whenever people borrow more than they can afford, miss payments, file bankruptcies, late payments etc bring their scores down. Less credibility of borrower is a high risk and high risk has high interest because the investors stakes are higher, so do not borrow until you become credible again.

[@ngdasitv8348]

Allah pak ap ko abaad Kare

[@saleemdin5679]

Sir,I want to know for example I give rs 50000 to person as loan without any interst but the borrower returns it after 5 years.only the principle amount, but in these 5 years inflation of currency is rs15000 actual i am geting only rs35000.pls I am at a loss ? Plz discuss the inflation of currency in 11:59 due course of time.

[@hadiqafatima3178]

17:07 With all due respect Ghamidi Sahab you talked about principal secured financing, but you did not talk about the principal money losing its value over the period. Secondly, the businesses growth over the period of time the market share of the company or partnership increases over time, and if it is going to end its business why the investor has no right to get the increased share value because his investment was one of the many key factors involved in this growth.

[@abdulsubhan698]

Policy ke bare me batao

[@AliRaza-xe6uo]

Hassan Bhai kheelay kia hai Islamic banking me Zara wazahat ker dain

[@abidmahmood9097]

What about the fixed profit from a bank on a deposit ? Is it Haram ?

[@lines4151]

Hassan bha is comment ko lazmi dekheye ga jab hum bank se koi car lety hain tu wo jo os par nafa lety hain installments mein par nafa wo government ki tah karda shara sood ky lehaz se kam ya zaida karty rehty hain jab government shra sood oper neachi karti hain tu bank bhi oski implemention kar dity hain tu ye fixed nhi rehti tu wo sood mein tu nhi ja rahi plz guide me

[@iamwaseemnoori]

credit card pay compound interest ka question karna chahiyay tha.... can you please ask Ghamdi sb about it?

[@fahadshahzad7442]

Insurance hoi hoti agar business dub jay to bank waha sa paisa la lata ais ka b dosara rasta majod hota

[@mohusain8996]

There are two words: Usery and Interest. Usery is illegal in most civilised societies whereas Interest is accepted as a just tool to account for time value of money. This time-value issue came up after the advent of "Paper Currency". Since Paper money declines in value with time, Interest provides a just way to revalue the lended/borrowed money. Islam's word Riba is actually Usury and NOT Interest. In financial transactions that happen in paper currency, Interest is the only way to do justice to both the lender and the borrower. Since Islam puts Adl-o-Insaaf above every thing, sood as Interest and NOT AS RIBA must be applied, imho!

[@eliasdangra2685]

Makan ki kimat bazar ke hisab se hai to acha hai agar kimat se ziyada liya to riba ho sakta hai

[@emeraldgems4409]

Assalam o Alaikum. Main Pakistan se bahar rehta hon. Yahan bank jo credit card deta hy us pr aik sahulat di hy k credit limit k peson ka 80% - 90% amount ap apne account main cash k form main le sakte hain (zaroorat parne pr). Bank ye amount 12-60 monthly installments+’handling charges’ ki sorat main wapas leta hy. Please ye bata dain k ye ‘handling charges’ sood (interest) main shumar kiya jaye ga ya nahi. Aur main ager bank ko har month pay karon to main bhi gunah main shamil hon ya nahi. Please Ghamidi sb ya Hassan Ilyas sb is ka jawab de dain. Pichley 3 programs se ap k jawab ka muntazir hon. Jazak Allah khair.

[@aeokalabagh8400]

میرا نہیں خیال کہ اب کوئی تشنگی باقی رہ گئی ہے،، آپ خود پیش کی گئی آراء کا اس معاملہ میں اطلاق کر سکتے ہیں.

[@mbnadeem]

Ok

[@ThKh]

agar ye issue hy tu phr ap kiun nahe sirf Debit Card use kerty esi kya majbori hy k apko Credit he lena hy handling charges jisko ap keh rhy hein uski T&C parh lein - jaha bhe amount fix hoge wo interest he hote hy esi koe bat nhe hy jisko ap etna complex ker k elaborate ker rhy hein --- i personally think k CC k questions ko kiun nahe understand kea jata as per my understandings - useable mei CC hargiz nahe aa skta jo interest/sood ki category sy mubarra ho

[@emeraldgems4409]

Janab Hassan Ilyas sb sood se mutaalik Ghamidi sb k tamam program dekh chuka hon laikin jo question kya hy uss pr usool apply nahi kr pa raha. Isy wajah se abhi bhi aap ki expert rai ka muntazir hon. Jazak Allah khair.

[@maawan54]

I take profit from my savings account, is it sood? Kya main bank profit le raha hoon to sood kha raha hoon?

[@SadaqatAli-hv3cw]

He described very well that if you thinking with the angle that the Bank is doing business and returning average profit values, then its totally halal. but if you thinking with another angle of Loan then its Riba when means haram, its up to you. But most likely todays banking system is following the first option I mentioned.

[@alihusnain3218]

@@SadaqatAli-hv3cw you are misguiding him.

[@Omer-Aziz]

موجودہ صورت حال میں اگر ڈاکومینٹیشن لون کہ مطابق ہو، تو کیا مورٹگیج جائز ہو گی؟ یعنی کوئی بھی معائدہ ہائر اور پرچیز کا نہیں ہوا۔ کیا صرف ذہنی طور پہ ایک معاملے کو سوچ لینے سے جائز ہو جائے گا؟

[@MohammedDanish23]

The Interest that we receive in our saving bank account, Is it riba Or not? Should we take it ?

[@ranamanzoor4150]

It’s riba

[@SadaqatAli-hv3cw]

He described very well that if you thinking with the angle that the Bank is doing business and returning average profit values, then its totally halal. but if you thinking with another angle of Loan then its Riba when means haram, its up to you. But most likely todays banking system is following the first option I mentioned.

[@alihusnain3218]

@@SadaqatAli-hv3cw you are misguiding him.

[@abdulchaudhry2276]

The correct pronunciation of purchase: ˈpər-chəs.

[@nadrasaad7203]

Ghamdi sahib what buying Defence saving certificates……

[@AlishbaAmber]

Response to 23 Questions - Part 23 - Interest / Usury (Sood) - Javed Ahmed

[@AbdullahBilal14]

Waqia e sabt ki tarha jis py Allah ny bani israel sy narazgi ka Izhar kia ye bhi waisi hi surat e haal nahi hai k aik cheez ka naam badal kar thora sa mamly ko tabdeel kar k usi kam ko jaiz bana dia jis ko Allah ny haram karar dia hai?? Need guidance please...

[@GG-ft1bf]

ye situation different hai. Bani israel ne kaha tha k sood bi karobar ki tarha hai. Asal masla samjein. hamaray mulk se le kr hr banday tak is nizaam mein jakray gay hein. Is se nikalna mumkin nahein. Aik hal to yeh hai k yeh maan k chalain k hamaray mulk mein hr koi haram kha raha hai. Agar aesay sochain to Ghamidi sab ne kaha be shak sochain. Ghamidi sab yeh nahi keh raha k yeh nazaam theek hai vo yeh keh rahay hain k masla bilkul vesa nahi jesa us dor mein tha. lekin bilkul mukhtalif b nahi. Is liay agar bank kuch cheezain bank tabdeel kr dein to kable kabool ho sakta hai.

[@mirsa58ful]

Is interest on GP fund haram?

[@farrockerz4418]

مرے کچھ سوال ہیں سود کے مطلق ۔ کیا غامدی صاحب سے رابطے کا کوئی طریقہ ہے۔ ؟؟

[@tomtree2336]

بہت تفصیل سے گفتگو ھوئی لیکن ایک مسئلہ جو کہ آجکل بہت عام ھے، کوئی بات نہیں ھوئی۔ وہ یہ کہ نیشنل سیونگ یا کسی اور بینک کے ساتھ انویسٹمنٹ سے جو منافع ملتا ھے، یہ حلال ھے یا حرام؟ اگر کہیں پر اس حوالے سے بحث ھوئی تو پلیز شئیر کر یں۔ شکریہ۔

[@User00571]

Phr to log pysy langy or bolngy business khtm hogya hy bs original wapas lo, or business bhai ky name krdain

[@anwarabbasi2984]

ایک اور بات جو کہی جا رہی ہے کہ اصل زر سیکیور ہو اور وہ لازمی واپس ہونا چاہیے۔ واپسی کی سیکیورٹی تو قرض میں ہی ہوتی ہے سرمایہ کافی میں تو نئیں۔ کاروبار میں اگر نقصان ہوتا ہے تو یہ کہاں کا انصاف ہوگا کہ وہ یہ رقم واپس کرے۔ اور معاہدہ ہوا ہے تو انصاف پر مبنی نہیں ہوگا

[@itszz5649]

Saving account is lahaz say theek ho gia kia

[@muhammadakash2804]

No , yehi tu explain kya hy in this series.

[@shakilbatliwala6216]

What is matrukut tasmiah

[@alihusnain3218]

@@muhammadakash2804 the main reason is that our banks still using the term "interest" which means "sood" that is why it is haram and muhtaram ghamidi sahab criticize it. please correct me if am I wrong. thanks

[@mohammadadil3833]

بینکوں میں ایک سیونگ اکاؤنٹ ہوتا ہے جس میں عوام اپنا پیسہ رکھتی ہے۔ کبھی کبھی سرکار کی کچھ قانونی مجبوری کے تحت بھی عوام کو سیونگ اکاؤنٹ کھولنا پڑتا ہے. اس میں بینک اکاؤنٹ ہولڈر کو وقت بوقت کچھ فیصد سود دیتا ہے. کیا وہ سود لیا جا سکتا ہے؟

[@roomanamohsin1078]

Aoa

[@mgmurtazaashrafi7471]

"الزاید و المستزید فی النار " ذرا غامدی صاحب سے اس حدیث کے بارے میں پوچھ لیں

[@MuhammadKhan-ru3uv]

Good discussion on RIBA/Interest. One simple question on mortgage is that repayment instalments to the bank includes interest? Is this allowed in Islam? Please clarify. Thanks.

[@irfanwasiq1647]

As mentioned by Ghamidi saab it is purchase and sale between bank and purchaser. Bank cannot sell it on the buying price instead taking profit out of sale. In fact doing favour by providing finance which later become an asset to you. Hope this clarifies

[@ziacheema2899]

میرے بھائی نے مجھے روپے کی بجائے 3000 ڈالر قرض دیا اور کہا مجھے ڈالر ہی واپس کرنا،حسن اتفاق سے سال بعد ڈالر سستا ہو گیا اور میں نے اس دن کے ڈالر کے حساب سے ادائیگی کر دی-

[@a.b.2908]

CHECKMATE | #coas #cjp #Pakistani_Pacers | Qalm #The_Boycott_Movement

[@insaninsan3708]

je sone vala sistam kaha se shuru hai. pese vala. har contari me sone ke hisab se pesa hota hai.

[@WanderBitesWorld]

آپ اس سودی نظام میں ایڈجسٹمنٹ کرنے کے طریقے بتا رہے ہیں، آپ تو اسلامی معاشی نظام جو سود سے پاک ہو کے طریقہ پر بھی بات کرسکتے ہیں۔

[@Faisal-bn4vi]

Agr Ap bta skty Hyn to Ap ko b btana chahiy k es zmaany men kis tra islaami treeka kaar sy kaam kia Jana chahiy .

[@ghiasmahmood3746]

یہ جو غامدی صاحب نے سود کی تعریف کی ہے کہ قرض پر منفعت کو سود کہتے ہیں پوچھنا یہ ہے کہ یہ تعریف سود کے متعلق قرآن میں ہے یا کسی حدیث میں ہے یا پھر یہ تعریف غامدی صاحب کی ہے کوئی بھی بھائی اس کا جواب دے سکتا ہے حوالے کے ساتھ

[@anwarabbasi2984]

اگر بینک نے مکان یا گاڑی بیچ دی اور قسطوں میں وصولی کر رہا ہے تو بالکل درست۔ سوال یہ ہے کہ یہ مکان یا گاڑی اب بیُک کی ملکیت تو ہے نہیں پھر کرایہ کس چیز ک لے رہا ہے؟ اس سوال پر غامدی صاحب آتے ہی نہیں

[@hmxa_leo6980]

سر اس بات کو دوسری طرف سے بھی دیکھا جا سکتا ہے کہ آپ نے ایک چیز کی مالیت ادا ہی نہیں کی اور آپ اس کے سارے فوائد بھی سمیٹ رہے ہیں، استعمال کا معاوضہ اس صورت حال میں بلکل انصاف پر مبنی ہے۔

[@sultanmuhammad4559]

Gari us waqat tak bank ki maliyat hoti he jab ta us ke tay shuda qeemat ki adaigi puri na ho.

[@khobaibhassan8180]

Wo car bank hee ki Hoti hai wo ownership tmam transaction k bad he transfer Hoti hai

[@GG-ft1bf]

jb tak ap ne sari ammount pay nahi ki tab tak zahir baat hai bank ka is ki malkiyat mein hissa hona chahiyeh. To karaya b ban sakta hai. Farz karin ap ka 50 lakh ka ghar hai jis pr ap hr mahine 50000 karaya le rahay hein. aik banda aa kr kehta hai k ap ghar mujay de dein mein ap ko 20 sal mein kiston pr 50 lakh de du ga. ap kahein gay bahi k abi de do to theek. ya phir hr mahine kistein detay jao jis din 50 lakh pura kr lein gay ghar le lena ta k mein tb tak karaya leta rahu. Ab agar vo banda kahay k pesay to mein 20 saal mein du ga pr mein abi se is ghar mein rehna chata houn. To ap kahein gay k theek hai pr jo kraya koi aur deta tha jb tak ap pesay ada na kr dein ap ko dena paray ga.

[@anwarabbasi2984]

یہ بھی دوسرا حیلہ ہی ہے۔ فرض کریں ایک کمپنی کو ملازمین کو تنخواہ دینے ککے لئے اسلامی طریقے سے بینک کے پاس جانا پڑے تو یہ hire purchase system کس طرح کام کرے گا؟ اس پر ذرا روشنی ڈالیں۔

[@ziacheema2899]

یہ کیسی کمپنی ہے جو ملازمین کو تنخواہ بھی نہیں دے سکتی، کمپنی بند کر دیں جناب-

[@UmerBashir]

Its a good question , should be adddtessed

[@ziacheema2899]

میں نے ایک کاروباری معاملہ کیا- پیسے میرے چچا کے ہیں اور کاروبار میں کرتا ہوں- اندازہ ہے سیل پر نٹ منافع 10 فیصد کے لگ بھگ ہوتا ہے-طے یہ پایا میں ماہانہ گراس سیل کا 2فیصد دوں گا- ماہانہ 20ہزار سے 60 ہزار تک ماہانہ ان کے حصے آتے ہیں- اسان حساب ہے ،وہ بھی خوش اور میں بھی مطمئن کہ یہ سودی معاملہ نہیں اور ان کا اصل زر بھی محفوظ!

[@alihusnain3218]

aor agar loss ho jaye to phir? there would be 50 50 of this loss?

[@MuhammadUsman-fi7xo]

sood haram ha sir koi agar magar nahi ap ki batein haqeeqat se bohat door lag rahi hain baqi Allah behter janta ha

[@GG-ft1bf]

Asal masla samjein. hamaray mulk se le kr hr banday tak is nizaam mein jakray gay hein. Is se nikalna mumkin nahein. Aik hal to yeh hai k yeh maan k chalain k hamaray mulk mein hr koi haram kha raha hai. Agar aesay sochain to Ghamidi sab ne kaha be shak sochain. Ghamidi sab yeh nahi keh raha k yeh nazaam theek hai vo yeh keh rahay hain k masla bilkul vesa nahi jesa us dor mein tha. lekin bilkul mukhtalif b nahi. Is liay agar bank kuch cheezain bank tabdeel kr dein to kable kabool ho sakta hai.