Musulunci banki a Rasha. Islamic Bank a Moscow

Musulunci banki na samar da wani jummai norms da kuma halayenka, wadda ake bisa ba kawai a kan imani, amma kuma a kan hadisai na dukan Musulunci al'umma. Rasha da kuma Musulunci banki ne ba kawai matuƙa, daban-daban, amma a wasu maki musanta juna.

Standards musulunci banki

Financial Musulunci tsarin aiki nasarar, da gina a kan asali nagartacce:

• Loan amfani haramta. Availability ban sha'awa ba kawai a matsayin riba, amma kuma haramta ta Kur'ani.
• Hasashe ne karkashin tsauraran kujerar naƙi. Amfani da wani matsala ko wani ta matsaloli a da kudi bukatun da aka haramta. A musamman, an dauke unacceptable irin albashi a cikin kudi kasuwa, wanda aka sanya yiwu a sakamakon wasu matsaloli a jihar.
• Cikakken kujerar naƙi a online caca, ciki har da irin caca.

Bugu da kari a wadannan hane-hane, kamar yadda Musulunci banki da kuma ta abokan ciniki da ba shi ikon tafiyar da zuba jari a cikin kamfanonin da cewa samar da kayayyaki da kuma ayyuka da cewa su ne saba wa bangaskiyar Musulmi. Yana iya zama wani kamfani, tsunduma a samar da barasa da taba, da ikon yinsa, daga ayyukan dangantawa da maita. Duk da takamaiman dokokin, Islamic banki ne na girma a duniya tare da wani talakawan gudun 10 - 15% a kowace shekara. Wani abu a cikin duniya zai iya ƙidaya game da 300 cibiyoyin a kan ƙasa na akalla 51 jihohi, ciki har da Amurka.

The so na Musulunci bankuna shiga kasuwar kasa da kasa

A baya 'yan shekaru, Islamic kudi cibiyoyin sun bayyana kudurinsu na rayayye ciyar a cikin kasa da kasa kasuwa. A duniya, kafofin watsa labaru ƙara akwai rahotanni da cewa Hukumomin ake la'akari da yiwuwar kafa da kuma mirgine fitar Musulunci banki a Rasha. Yana da daraja yana mai cewa akwai gagarumin bambanci tsakanin banki da tsarin kasashen biyu. Babban bambancin musulunci kudi wakilin ne to da ban a kan bayar da kudi a amfani. Babban samun kudin shiga zo daga sayar da kaya a kan bashi a wata mafi girma kudin. A Rasha da halin da ake ciki ne quite kishiyar. Banks da ba su da hakkin ya sayar da dukan dukiya, tare da banda daraja karafa. Babbar ka'idar da Rasha banki ne da rancen.

juna hadewa

Kan bango na tattalin arziki halin da ake ciki a Rasha, kuma a sakamakon mai tsanani takunkumi a kan wani ɓangare na Amurka da kuma kungiyar tarayyar Turai, kokarin kafa wani kudi dangantaka da Eastern kudi cibiyoyin ne quite halitta. A lokacin, wata ila iyaka cinikayya kalmomi daga Rasha da kuma shawarwari tsakanin wakilan da kudi tsarin da gabashin da kuma wakilan da m bankuna. Shugaban Islamic kudi ma'aikata Ahmad al-Madani, ba su yi magana game da abin da taka ga juna States yi nufin sa a cikin watan Yuni shekarar 2015.

Wakilin gabashin kudi kansu da niyyar kai ziyara Moscow don tattauna al'amarin da shugaban babban bankin Elvira Nabiullina. Musulunci bankuna a Rasha suna neman shiga cikin kasuwar ta hanyar gida abokan. Taimako ga irin wannan hukunci na iya zama ba kawai gaggawa na kudi da goyon baya ga m bankuna, amma kuma da yawan Musulmi da ke zaune a yankin ƙasar Rasha, inda akwai akalla miliyan 20. Don ce mafi, m bankuna suke sha'awar shiga Musulunci kasuwar. A musamman, da Savings Bank da kuma "VTB" sun riga ya tattauna da dacewa jam'iyyun a kan wuyan ta ofisoshin a gabas.

Active ayyuka na Rasha - da suka?

Islamic Bank - wani sosai musamman kudi ma'aikata, da kuma tabbataccen doka tsarin da ya kamata a halitta ta hayayyafa aiki. Cewa wannan tambaya yanzu tsunduma a jihar Duma, saboda gaskiyar cewa babban ƙayyadaddu na Musulunci cibiyoyin - shi ne dãɗin kayayyaki ta installments. A moriyar cinikayya tsakanin jihohi zai yiwu ne kawai idan ban a kan kasuwanci ciniki ayyuka na kudi cibiyoyin za a gaba daya soke. Babban Bankin ya rayayye goyan bayan da cinikayya himma. Wajen hadin Gwamnatin Rasha ya juya saboda da ban sha'awa a cikin wannan batu a Tatarstan, wanda aka qaddamar da takwarorinsu daga Malaysia.

m asa

Kamar yadda ya bayyana a sama, a jihar Duma yana shirya lissafin,] auki nauyin Dmitry Savelyev. Ya samarwa wani kyautatuwa, bisa ga abin da bankuna za su iya sayar da samfurin a Premium ta zuwa ga abokan ciniki. The gaggawa na irin wannan hukunci saboda gaskiyar cewa a Rasha, a manyan yawan Musulmai suke a dire bukatar goyon baya daga kudi cibiyoyin, daidai da bangaskiyarsu.

Magana game da yadda Musulunci bankuna, shi ne ma farkon, kamar yadda doka shingen har yanzu a mataki na kawar. A ni'imar hadin gwiwa ne da cewa a fagen Musulunci banki ne mayar da hankali a kalla biyu tiriliyan daloli. A wannan lokaci a cikin ƙasa na Rasha shi aiki a duk uku kamfanonin da cewa samar da ayyuka a cikin tsarin na Musulunci doka. Wannan shiri TNV "LyaRiba Finance" a Makhachkala, kamfanin "Amal" a Kazan kuma PD "Masraf".

M kintace na jihohi biyu

Kamar yadda na farko kimomi, da Bankin Musulunci a Rasha ne musamman rare ba kawai a tsakanin Musulmi, amma kuma da 'yan asalin yawan Rasha, wakilan sauran addinai. Dalilin da sa ran shahararsa ta kudi cibiyoyin ta'allaka su m siyasa. Babu shakka cewa dubban mutane za su yi sha'awar a taimakon kudi, albeit ta hanyar sayan wani samfurin, ba tare da ƙarin inshora, babu wani boye kudade da kuma m amfani. Amma, mafi muhimmanci, da cewa Bankin Musulunci karkashin wani yanayi ba zai sayar abokin ciniki bashi tarin hukumomin. Shi ne ko da tunanin cewa a isasshe babban ɓangare na abokan ciniki na cikin gida da kudi cibiyoyin yin su zabi a cikin ni'imar da m abokin tarayya. Babu bukatar zama gwani na kudi kasuwa domin mu fahimci cewa jinginar gida a wani Bankin Musulunci za a bayar a kan mafi m sharuddan fiye da a kowane gida.

Ta farko cikin musulunci kudi ma'aikata a Rasha

A farko a tarihi, Islamic Development Bank a Rasha yana da dukan damar da ya fara ayyukan a farkon zuwa karshen shekarar 2015. A kudi ma'aikata iya fara ta aikin karkashin jagorancin na "ababen more rayuwa asusu tare da Islamic Development Bank." Kamar yadda na farko kimomi, jimlar size na asusun babban birnin kasar ne $ biliyan 2. The sosai guda kudi ma'aikata ne daya daga cikin mafi girma a kudi a cikin manufa zuba jari na kayayyakin ayyukan a akalla 57 jihohin, wanda su ne mambobi na IDB.

Halittar farko Bankin Musulunci da aka shirya domin matukin yankin, a Tatarstan. Wannan bayanai da aka bai Anatoliem Aksakovym, wanda shi ne shugaban kasa na Association of Regional Banks. A lokacin da wakilan da Gabas da kuma Tatarstan shirya fasaha da tattalin arziki da tushe cewa zai kawo Bankin Musulunci a kasuwannin gida da karshen watan Satumba 2015. A sabon bashi ma'aikata za su yi aiki a wani zuba jari banki kan matsayin da sa hannu. A cewar rahotannin kafofin watsa labaru, riga gudanar da wani taro tsakanin wakilan da IDB da kuma wakilan Association of Rasha Banks da kuma "Ak Bars". Af, "Ak Bars" shi ne mafi girma memba na Tatarstan ta kudi kasuwa.

Bad kwarewa samar farko cikin musulunci kudi ma'aikata a Rasha

Labarun da kwarewa, a lokacin da aka yi ta kokari gabatar Musulunci banki a Rasha. Yana da matukar ban sha'awa da cewa banki kira "Badr-forte" ya yi aiki na tsawon shekaru 15. An ce wani kudi ma'aikata cikin ta tarihi, da wanzuwar yana wasu matsaloli tare da kasar dokokin. A wannan lokaci babu tambaya na zamani dokokin. A sakamakon irin wannan bidi'a ne bayyananne. Bankin Musulunci a birnin Moscow da aka rufe, kamar yadda ya kasa don samar da ayyuka daidai da shari'ar Musulunci. A farko kwarewa ya m domin shi ba ya ji dadin da goyon bayan da gwamnatin Rasha. Sarrafawa yadda ya kamata a kasar inda mafi yawan mutane ba da'awar Musulunci, akalla matsala.

Wanin daga dokokin ko sami loopholes

A cikin mahallin na tsanani tattalin arziki da rikicin, tare da mafi ƙasƙanci yiwu kudi na ruble, da yawa m kudi cibiyoyin rasa liquidity. A halin da ake ciki ya tsokani bayyanar aiki kira a kusa da hadin gwiwa tare da addinin Musulunci da tattalin arziki, da gabatarwar sabon abubuwa a cikin wani kafa kudi tsarin Rasha. A matakin na gwamnati ne rayayye sulhu tare da kungiyar OIC kasashen. Don ce more, jihar ta sha'awa cikin haɗin gwiwa tare da m kasashen fara bayyana a shekara ta 2009.

Shi ne daga wannan lokaci a kai a kai gudanar da zagaye tebur tattaunawa tsakanin membobin gwamnatocin} asashensu, wanda aka tattauna tambayoyi na hada dokokin. A tarihin akwai ayyukan a karkashin abin da ƙasa na kasar ya gabatar Musulunci kudi cibiyoyin aikatawa da manufa na ba-sha'awa rates. A abin zamba ne cewa Musulunci bankuna a Rasha, da adireshin da wanda ba zai zama da wuya a samu, ba a wurinta a matsayin dukiyar da Bank, da kuma samun daban-daban doka matsayi. Sauki a ce, a gaskiya, da Rasha banki tsarin gabatar da abubuwa na addinin Musulunci banki.

"Musulunci taga"

"IDB" ya na da wata damar samar da kudi ayyuka a kasuwar kasa da kasa da kuma a cikin kasuwanni, gida mai yawa Musulmi, godiya ga irin wannan manufar 'Islamic windows ". Jigon da lokaci dogara ne a kan hadin gwiwa tare da reshe, bankin Standard Bank cewa daukawa fitar da ayyukan daidai da shari'ar musulunci. Kadarorin na Musulunci da kuma na al'ada da sassan dabam ne. su gudanar da tsari faruwa a wani iri-iri-tsaren. A cikin West, da al'adar bude "Musulunci windows" ne sosai na kowa. Ana amfani domin jawo hankalin wani sabon kashi na abokan ciniki. Musulunci banki a Rasha a cikin wannan format, ko akwai, amma ba da isasshen ƙarfi. Wannan category na cibiyoyin, akwai kusan a Semi-istinbadi dalilai.

A Jump daga baya a cikin gaba, ko da ya tsaya da gwamnatin Rasha

Duk da yanzu rashin wani majalisu tsarin bude wani Bankin Musulunci a Rasha, na farko na tattaunawa a kan batun bai bayyana a 2006 a birnin Moscow, kuma a shekarun 1990s. a kan ƙasa na Tatarstan. Wannan shi ne daya daga cikin mafi girma wadanda mutane Musulmi jamhuriyoyin a Rasha. Za mu iya tuna cewa, a cikin farkon shekarun 1990s. Sberbank shirya halittar wani "Musulunci taga". A shekarar 1992, 14 ga watan Agusta, wani jami'in bayani samu ta kafofin watsa labarai cewa "wani Musulunci kasuwanci banki" za a halitta. Abin baƙin ciki, da aikin ba a gane, kuma ya ce babbar kungiya don haka aka taba bude. Duk da mummunan kwarewa da hadin gwiwa tare da Gabas kazalika dangane da underfunding na cikin gida da kudi cibiyoyin ne, ba a ganin an Bankin Musulunci a birnin Moscow, kamar yadda wani aikin, kazalika da quite realizable hange.

Zamanintar da Tax Code of Rasha

Abu na farko da Rasha ga nasara haɗin gwiwa tare da Gabas - ne aiki ci gaba da kuma zamanintar da haraji dokokin. Wajibi ne, na farko, don aiwatar da haraji neutrality. A kasa line ne da cewa kudi ayyukan da na al'ada bankuna a Rasha ba a kallafa maka a kan darajar kara da cewa. Game da Musulunci kudi cibiyoyin, daidai da su dokokin a kan darajar kara haraji da suke biya VAT a cikin kudi na 18%. A wannan yanayin, a karkashin aiki tattaunawa game da kara VAT zuwa 20%. Wannan yana sanya iri biyu kudi cibiyoyin a cikin gaba daya m yanayi na gasar, ba kawai a cikin gida kasuwa, amma kuma kasashen duniya. Subject zuwa gwaji bita iko da manufofin wajen Musulunci bankuna. Wajibi ne ba kawai don gaba daya kawar da cikas ga ci gaban. Yana da muhimmanci ga tunani game da abin da suka wuce ba azaba da abũbuwan amfãni.

A abũbuwan amfãni daga cikin gabatarwar Musulunci banki a Rasha

A lokacin, Rasha yana da damar da za su yi amfani da duk Islamic banki saboda gaskiyar cewa akwai har yanzu babu gasar a wannan al'amari. China, saboda tattalin arziki da kuma koyarwar addini, ba ya la'akari da al'amurra na hadin gwiwa tare da Gabas. Credit a wani Bankin Musulunci, wasu takamaiman kudi ayyuka za su iya ta da kwarara daga kudaden da jihar kasafin kudin. Haka kuma, Rasha ne iya bayar da kuɗaɗen da wani ɓangare na sabon abokin tarayya, wanda yana da muhimmanci a halin da ake ciki da cewa faruwa a yau.