පොලිය හරාම් හින්දා "පොලිය" කියන වචනෙ වෙනුවට "fees, commission" වගේ වචනයක් දාලා කරන එක.
Danna tharama thamai Ithin...
මොකද්ද බං ඔය ඉස්ලමික් බැංකින් කියන්නේ?
Islamic banking is a financial system based on
Shariah principles, prohibiting interest (riba) and unethical practices.
It operates on concepts like
profit-sharing (Mudarabah),
joint investment (Musharakah), and
leasing (Ijarah),
ensuring all transactions are asset-backed, ethical, and risk-shared, promoting fairness and social justice.
Here are some key benefits of Islamic banking:
- Ethical Investments: Focuses on socially responsible and ethical financing, avoiding industries like alcohol, gambling, and speculation.
- No Interest (Riba-Free): Promotes fairness by eliminating exploitative interest rates, ensuring equitable profit-sharing.
- Asset-Backed Financing: All transactions are linked to tangible assets, reducing speculation and promoting stability.
- Risk Sharing: Encourages shared risks and rewards between the bank and clients, fostering a balanced financial relationship.
- Financial Inclusion: Provides opportunities for individuals and businesses that prefer ethical and Shariah-compliant financial solutions.
- Economic Justice: Aims to distribute wealth fairly and reduce economic disparity.
- Stability in Financial Crises: Asset-backed and risk-sharing principles reduce exposure to speculative bubbles and financial crashes.
- Focus on Real Economy: Promotes investments in productive sectors like infrastructure, manufacturing, and trade, boosting economic growth.
- Transparency: Requires clear agreements, ensuring fairness and reducing disputes.
- Global Reach: Serves Muslims and non-Muslims alike, offering alternative financial solutions in diverse markets.