Wednesday, 26 June 2013

{Kantakji Group}. Add '11922' Fwd: ملتقى الخرطوم للمنتجات المالية الاسلامية -- المقال الاسبوعي

---------- Forwarded message ----------
From: AbdelGader Warsama Ghalib <Awghalib@bbkonline.com>
Date: 2013/6/27
Subject: RE: ملتقى الخرطوم للمنتجات المالية الاسلامية -- المقال الاسبوعي

 

 

السلام عليكم و رحمة الله تعالي و بركاته

يسرني إضافتكم لقائمة بريدي الالكتروني و ارسال مقالي الأسبوعي المنشور  في جريدة عمان 

و لمن يرغب في بقية المقالات يمكنه عبر موقع الجريدة  

و نأمل أن تجدوا بعض الفائدة

 

أخوكم

عبد القادر ورسمه غالب

موبايل: 0097339334274 

 

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سياسة النشر في المجموعة:
ترك ما عارض أهل السنة والجماعة... الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط، ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة... عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه باستثناء الأمر العام الذي يهم عامة المسلمين... تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.
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{Kantakji Group}. Add '11921' مهم جداً : هيئة الأسواق المالية الفرنسية.

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سياسة النشر في المجموعة:
ترك ما عارض أهل السنة والجماعة... الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط، ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة... عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه باستثناء الأمر العام الذي يهم عامة المسلمين... تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.
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{Kantakji Group}. Add '11920' Interest Bearing Transactions in the US (23)



Assalamu Alaykom Wa Rahmatu Allah
 


- خطاب الضّمان عبارةٌ عن وثيقةٍ يُصدرها البنك يضمنُ فيها للمورّد حقّه من المستورٍد بعد وصول البضاعة، وتُسمّى هذه الوثيقة أحياناً بالاعتماد المستنديّ، ولا يُصدرها البنك إلا إذا دفع عميلُهُ (المستورد) قيمة البضاعة أو جزءاً منها أولاً.


  وحُكم هذه المعاملة أنها وكالةٌ إذا دفع العميل كُلّ القيمةِ للبنك الوسيط، وأَخذُ الأجر على الوكالة مباح، ورسوم الإصدار والمصاريف الإدارية مباحةٌ ما دامت ضِمن أجر المثل.


  أما إذا دفع العميلُ جزءاً من القيمة فقط فالبنك ضامنٌ أو كفيلٌ، فلا يجوز أخذ الأجرة على الكفالة لأن ذلك يشبهُ القرض الذي يجُرّ نفعاً ، بينما رسوم الإصدار والمصاريف الإدارية مباحةٌ كسابقتها.


  فإذا دفع البنكُ للمُورّد نيابةً عن عميلِهِ وأخذ منه أكثر ممّا دفع فذلك قرضٌ بفائدةٍ وهو من الرّبا الصّريح.

 

The letter of guarantee (or letter of credit) is a document issued by the bank by which the supplier guarantees his right from the importer after the arrival of goods. This document is sometimes called documentary credit, in which the bank issues only after its client (the importer) has paid for the commodity in advance, partially or totally. This kind of transactions is defined as commissioning as long as the client pays all the price to the intermediary bank, given that the bank which acts as agent is allowed to take fees. The same applies to the fees paid for issuance and administrative costs as long as they are equal to what others charges.

But if the client pays only part of the value, the bank -as a guarantor who provides suretyship for a debt -must not charge since this is similar in nature to a loan that generates excess usury, while the duties on issuing loans and administrative costs – like the aforementioned – are Sharia compliant.

 If the bank pays for the provider on behalf of its agent and takes more than it has paid, then it is an actual loan that makes profits, thus a typical usury.


 



 



Dr. Main Al-Qudah

Al-Huda University
www.AlhudaUniversity.org







 

From: kqmain@hotmail.com
To: kantakjigroup@googlegroups.com
Subject: {Kantakji Group}. Add '11885' Interest Bearing Transactions in the US (22)
Date: Mon, 17 Jun 2013 05:26:33 +0000




Assalamu Alaykom Wa Rahmatu Allah
 


إذا اضطُرّ المسلم للحصول على المال ولم يجد من يُقرضُه قرضاً حسناً فلا بأس أن يشتريَ سلعة – كسيارة مثلاً- إلى أجل ثم يبيعها نقداً لطرفٍ ثالثٍ غير البائع، وهذا ما يسمّيه الفقهاء (التورّق) على أن لا يتّخذ ذلك عادةً خروجاً من الخلاف مع من يرى منع هذه الصّورة. فإن باع السلعة للبائع الأول نفسه فهذا بيع (العينة) الذي نهى عنه النبيّ صلى الله عليه وسلم.

If a Muslim is desperate for money and could not find an interest-free loan , he may buy a commodity – a car for instance - on credit sale basis and then sells it cash to a third party other than the seller. This is named by the jurists as Tawarruk. Some scholars see this transaction as a forbidden one, thus, it is preferred not to get used to it, just to avoid disputable issues. Selling the commodity back to the original owner is prohibited. The prophet PBUH named it Al- Einah.

والكيفية السّابقة للتورّق – بالمناسبة- تختلف عمّا يسمى ب (التورّق المصرفيّ المُنظّم ) التي تمارسه بعض البنوك الإسلامية في الشرق – وليس في الولايات المتّحدة-وصورته أن يبيع البنك سلعةً مرابحةً إلى أجلٍ لعميله ثم يتولى بيعها نقداً – عادةً بسعرٍ أقل – لطرفٍ ثالثٍ نيابةً عن العميل ويُسلّمه الثمن، فتكون النّتيجة أن العميل أخذ ثمانيةً نقداً من البنك وهو مدينٌ لذات البنك بعشرةٍ مؤجّلة ! فهذه الصّورة لا تجوز لأنّها إن لم تكن الرّبا بعينه فهي شبيهة الربا

But Tawarruk as described above is different from the (Systematic Banking Tawarruk) in some Islamic banks in the East, which holds that the bank sells a Murabahah- based commodity to its client, then sells it in cash – usually at less price than it has bought- to a third party on behalf of the client , then it hands him the price. The result is that the client has taken from the bank eight in cash while he still owes it for ten on credit! This way goes against Sharia because if it is not usury, it is suspicious to be so.



 



Dr. Main Al-Qudah

Al-Huda University
www.AlhudaUniversity.org







 


From: kqmain@hotmail.com
To: kantakjigroup@googlegroups.com
Subject: Interest Bearing Transactions in the US (21)
Date: Mon, 17 Jun 2013 04:46:13 +0000




Assalamu Alaykom Wa Rahmatu Allah
 


يجوز العمل عند من يقترضُ بالرّبا لتطوير عمله وسداد ديون شركته إذا كان عمل الشركة مباحاً لقوله تعالى (ومن يكسب إثماً فإنما يكسبه على نفسه).

كمايجوز العمل عند من يُقرضُ غيره بالرّبا متى كان أصل عمل الشركة مباحاً ولم يُباشر الموظّف الإقراض أو المعاونة أو الإشراف عليه

A Muslim can work for the one who borrows with usury to upgrade his work and pay off his business debts, provided that the core business of the company be Sharia compliant one. Allah SWT says, which means in English (If anyone earns sin, he earns it against his own soul). Likewise, A Muslim can work for an interest- moneylender as long as the core business of his company is permissible, providing that the employee does not work in lending or processing or supervising usurious loans.



 



Dr. Main Al-Qudah

Al-Huda University
www.AlhudaUniversity.org







 


From: kqmain@hotmail.com
To: kantakjigroup@googlegroups.com
Subject: Interest Bearing Transactions in the US (20)
Date: Sat, 15 Jun 2013 17:13:16 +0000




Assalamu Alaykom Wa Rahmatu Allah
 


تجوز المشاركة وغيرها من صِيَغ التمويل مع صاحب المال الحرام المحض كالذي كلّ دخله من الحرام ، أو خالطه الحرام كمن مصدر ماله حلال لكن يُقرضُ ويقترضُ بالرّبا، وسواءً كان الشريك مسلماً أو كافراً، بشرط أن تمارس الشركة عملاً مباحاً. لكن الأولى بالمسلم أن يشارك الصالحين من المسلمين دون غيرهم.


A Muslim can engage in any Islamically acceptable partnership with another person whom his wealth is purely prohibited by Sharia, or the one who has mixed wealth, such as the one whom his source of income is allowed, but lends and borrows with usury, and whether this partner is a Muslim or not, provided that the core business of the new company is lawful.  Nevertheless, a Muslim is advised to partner with the righteous Muslims and not with any body else.


 



Dr. Main Al-Qudah

Al-Huda University
www.AlhudaUniversity.org







 

From: kqmain@hotmail.com
To: kantakjigroup@googlegroups.com
Subject: {Kantakji Group}. Add '11883' Interest Bearing Transactions in the US (19)
Date: Sat, 15 Jun 2013 16:35:06 +0000




Assalamu Alaykom Wa Rahmatu Allah
 

يجوز التعامل مع النوافذ الإسلامية في البنوك الربوية متى كانت المعاملة في ذاتها مشروعةً كالمضاربة والمشاركة والمرابحة وغيرها من طرق التمويل و استوفت شروط صحّتها، ولا يقدح في هذه الإباحة كون أموال البنوك جاءت بطريقةٍ غير مشروعة ، فقد تعامل النبيّ صلى الله عليه وسلم مع مشركي مكّة ويهود المدينة- بل وأكل من طعام اليهود ولحومهم- مع علمه عليه السلام بتعاملهم بالرّبا.

Dealing with the Islamic windows of conventional banks is permissible as long as the very deal is consistent with Sharia like Modharabah or Mosharakahor Morabahah and any other Islamic mode of finance, provided that these modes meet the required conditions. The impermissible source of money these banks might have does not prohibit dealing with them, since the Prophet PBUH transacted with the polytheists of Mecca and Jews in Medina while knowing about them dealing with Riba

 


 



Dr. Main Al-Qudah

Al-Huda University
www.AlhudaUniversity.org







 


From: kqmain@hotmail.com
To: kantakjigroup@googlegroups.com
Subject: {Kantakji Group}. Add '11882' Interest Bearing Transactions in the US (18)
Date: Sat, 15 Jun 2013 12:59:27 +0000




Assalamu Alaykom Wa Rahmatu Allah
 

وحكم رسوم التقسيط قريبٌ من حكم رسوم إصدار القرض. فمثلاً، تسمح الجامعات للطّلاب دفع الرسوم الدراسية بالتقسيط على مدار الفصل الدراسيّ، وقد تتولّى فعل ذلك بنفسها وقد تُحيل أمر التقسيط لمؤسّسةٍ أخرى تتولى أمر حساب وتخزين معلومات وجمع الرسوم الجامعيّة بمقابلَ تتقاضاه. فإذا كانت رسوم التقسيط مبلغاً ثابتاً (وهي كذلك) حتى وإن كان دورياً فلا يُعدّ من الرّبا، ويُمكن تخريجه على أنّه مقابل الجهد المبذول في تحصيل المال وتوثيق ذلك، كما يمكن تخريجُه بالنّسبة للطالب على أنّه جزءٌ من أصل الدّين. فإذا كانت الرسوم الدراسية 1000 نقداً، والجامعة تأخذ 25 دولار عن كل قسط وتسمح بثلاثة أقساط ، فيمكن أن يُقال أنّ الطالب أمام خيارين: إما 1000 حالّة ، أو 1075 بالتقسيط

: Similar to the aforementioned is the installment fees. For example, universities allow students to pay their tuition fees on installments throughout the semester. They may collect the tuition by themselves or through a collection agency, who saves the data and collect the money for a fee. If the installments duties are fixed sum of money-which is the case- it is then not considered usury, even if it is charged periodically, since it can be taken as service fees. For the student, it could be taken as a part of the loan itself. So, if the total fees are $1000, and the university allows 3 installments and charges $25 for each installment, then it could be said that the student has two options: either $1000 full payment or $1075 installments.



 



Dr. Main Al-Qudah

Al-Huda University
www.AlhudaUniversity.org








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سياسة النشر في المجموعة:
ترك ما عارض أهل السنة والجماعة... الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط، ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة... عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه باستثناء الأمر العام الذي يهم عامة المسلمين... تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.
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Fwd: Daily Quran and Hadith, Shaban 17, 1434 June 26, 2013


THE NAME OF "ALLAH" 
Assalamu'alaikum Wa Rahmatullah e Wa Barakatuhu,

 

 

 

 

 

 

 

 

 

 


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Thanks & Best regards,
 
Imran Ilyas
Cell: 00971509483403

****People oppose things because they are ignorant of them****

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Re: [PF:172293] mujhe itna na yaad aao

بہت زبردست واہ بہت عمدہ ۔۔۔ کیا کمال کر دیا شاعر نے بہت خوب


On Wed, Jun 26, 2013 at 11:12 AM, Hayat Khan <khanhayat454@gmail.com> wrote:

 



mujhe itna na yaad aao k khud ko tum samjh baithoon


mujhe ehsaas rehne do meri apni b hasti he






Picture

what was my fault


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Join CAIR-FL for the Temple Terrace 4th of July Parade

CAIR Logo
Join CAIR-FL This 4th of JULY in Temple Terrace 
CAIR-FL will have a thirty foot float, sign up today to reserve your spot!!!

 

Asalam Alikom,  

 

Alhamdulilah, this 4th of July, CAIR -FL will be hopping on a float for the parade! If you, as well as your friends and family would like to reserve a spot on our float, please email info@tampa.cair.com

 

 

 

Take a look at our Float! 

  4th of July Float

 

 

You can also sign up HERE

 

Don't forget to click ATTENDING!  

 

 

Special thanks to our sponsor, University Islamic Finance for helping us secure a float! 

 

  UIF Logo

 

About University Islamic Financial Corporation (UIF)... UIF offers both Home & Commercial Real Estate Financing. In many cases UIF's pricing is less expensive than even conventional lenders because they are partly owned by University Bank, a Community Bank based in Ann Arbor, MI. The financing transaction takes place under the Murabaha (Installment Sale) or Ijara (Lease to Own) structure both of which are approved by some of the top Islamic Scholars in the world. UIF specializes in "low down payment" programs and treats each customer with the highest level of integrity, honesty and courtesy. You no longer have to compromise your religious beliefs to save money. For more information on the company you can visit our website:http://www.myuif.com/. Residential and Commercial financing are offered through University Islamic Financial Corporation an equal housing lender.

 

This event is Also Sponsored by: 

Guidance Residential is the largest U.S. provider of Sharia-compliant home financing having provided over $2.8 billion in Islamic financing to

 homeowners over the last 11 years. As a highly respected and recognized institution in the Islamic Finance industry, the Guidance brand has also become synonymous with leadership and authenticity in the residential Islamic finance space. Headquartered in Reston, Virginia, the company was established in 2002 and today has become operational in 22 states.  

 

Wasalam

Hassan




Our work would not be possible without your generous support!
This email was sent to tahir911841@gmail.com by info@tampa.cair.com |  
CAIR-Tampa | 8056 N 56th Street | Tampa | FL | 33617

{Kantakji Group}. Add '11919' Fwd: أخبار مركز بيان للهندسة المالية الإسلامية 26/6/2013

---------- Forwarded message ----------
From: نشرة أخبار المالية الإسلامية <bayan-emailnews@ifecenter.com>
Date: 2013/6/26
Subject: أخبار مركز بيان للهندسة المالية الإسلامية 26/6/2013
To: safa@ifecenter.com


 

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مركز بيان للهندسة المالية الإسلامية

عضو المجلس العام للبنوك والمؤسسات المالية الإسلامية  

E-Mail: info@ifecenter.commarketing@ifecenter.com

Website: www.ifecenter.com

 

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سياسة النشر في المجموعة:
ترك ما عارض أهل السنة والجماعة... الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط، ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة... عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه باستثناء الأمر العام الذي يهم عامة المسلمين... تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.
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[karachi-Friends] Fwd: A day with Shiekh Imran Nazar Hosien



Dear Brothers and sisters,

Sending my article on the above subject for your reading and forwarding
to your circle of friends.




Visit my Blog for a no nonsense, serious discussion of problems facing the humanity:
https://sites.google.com/site/yaqeenweb/home/





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Visit my Blog for a no nonsense, serious discussion of problems facing the humanity:
https://sites.google.com/site/yaqeenweb/home/


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Be Carefull in Islamic Discussions;
Disrespect (of Ambiyaa, Sahabaa, Oliyaa, and Ulamaa) is an INSTANT BAN
Abuse of any kind (to the Group, or it's Members) shall not be tolerated
SPAM, Advertisement, and Adult messages are NOT allowed
This is not Dating / Love Group, Sending PM's to members will be an illegal act.
 
 
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[karachi-Friends] A day with Shiekh Imran Nazar Hosien

Dear Brothers and sisters,

Sending my article on the above subject for your reading and forwarding
to your circle of friends.




Visit my Blog for a no nonsense, serious discussion of problems facing the humanity:
https://sites.google.com/site/yaqeenweb/home/


--
--
Be Carefull in Islamic Discussions;
Disrespect (of Ambiyaa, Sahabaa, Oliyaa, and Ulamaa) is an INSTANT BAN
Abuse of any kind (to the Group, or it's Members) shall not be tolerated
SPAM, Advertisement, and Adult messages are NOT allowed
This is not Dating / Love Group, Sending PM's to members will be an illegal act.
 
 
You received this message because you are subscribed to the Google
Groups "Karachi-Friends" group.
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karachi-Friends+unsubscribe@googlegroups.com
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[PF:172293] Unblock And Browse Websites YouTube, Netflix, Hulu, Facebook etc


To most of us, the Internet is an open world which you can use without any restrictions. But people at the offices have to follow Corporate policy or in certain parts of the world have restrictions from the Government to browse / open some websites or such websites which fall into certain categories. For e.g. YouTube is blocked in Pakistan, that's why people cannot open this particular website directly. Since I am in Kuwait, I cannot open any Adult website (at least most of them) because any website which fall into Adult category is blocked by the Government. There are many other websites which are specifically made for the people who live in US for e.g. Hulu, Netflix etc.

You can like my Facebook page or follow me on Twitter or Google+  Community as well, where you can ask me questions and you will also get the notifications of all the new articles which I post on my blog .
 
Please keep sending me your replies / feedback after reading the article and keep asking me the questions about the things which you want to learn about. WHAT I NEED IS JUST A REPLY OR A FEEDBACK FROM YOU GUYS.

 
There are many ways to access the blocked websites, one of the excellent method is with the help of Spotflux which is a fantastic software. But if all you need is to access some Streaming Websites like Hulu, Netflix etc. because you live outside USA or want to open Facebook, Twitter, Gmail etc. because it's blocked in your Company, than Hola Unblocker is a perfect choice.



--
Umair Shaikh

 

Website       : www.omgureka.com
Contact me : omgureka@gmail.com


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