DUK CINIKAYYAR DA ZA'A YANKE RIBAR DA ZA'A KARBA KAFIN A FARA, BATACCIYYA CE
*TAMBAYA*❓
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Assalamu alaikum.
Malam akwai wani cinikayya na hadin-guiwa da ake yi a DANTATA SUCCESS AND PROFITABLE COMPANY, ga yadda abin yake:
1- Zaki sa kuɗin ki tsawon wata shida ana biyanki duk wata, Zaki sami 40 percent (kaso arbain cikin Ɗari) duk wata tsawon wata shida. Misali in kin sa *N300,000* duk wata Zaki sami *N120,000* tsawon wata 6, Uwar kuɗin ki da riba Zaki sami *N720,000*
2- tsari Na Biyu Zaki sa kuɗin ki tsawon shekara Zaki dinga karbar 25 percent (kaso 25 cikin Dari Na abinda kikasa) . misali kinsa *N300,000* duk wata Zaki dinga karɓar *N75,000* har tsawon wata goma sha biyu, gaba ɗaya Uwar kuɗi da riba Zaki sami *N900,000*
Idan kin zaɓi biya ɗaya Ne in kuɗin ki suka shekara za'a biyaki *N 960,000
Don Allah malam muna so a taimaka mana da hukuncin sharia game da wannan tsari, saboda mutane da yawa suna shiga ?
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*AMSA*👇
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Wa alaikum assalam
Irin wannan ciniki shi ake cewa (Mudharaba) ko kuma (Kiradh)a wajan Malikiyya, wato mutum ya bada kuɗi wani ya juya masa.
Saidai Wannan sigar da aka yi bayani batacciya ce kuma haramtacciya a wajan malaman musulunci saboda ta kunshi zalunci da kuma rashin tabbas wato (Garar), da yiwuwar cutar da ɗaya daga cikin abokan tarayya, saboda an sanya ribar ne ta Uwar-kuɗi ba daga ribar da za'a samu ba.
Duk lokacin da aka shardanta riba daga cikin Uwar kuɗi za'a cutar da ɗaya daga cikin abokan tarayya a ciniki saboda ribar in ta yi yawa an zalunci mai uwar kuɗin, idan kuma ribar ta karanta an zalunci mai juya kuɗin, Ibnu Taimiyya a cikin Majmu'ul fatawa (28/83) ya nakalto Ijma'in Malamai akan haramcin duk Mudharabar da ta kunshi shardanta riba daga Uwar kuɗi.
Ingantaccen haɗin guiwa a wannan tsarin shi ne wanda za'a cimma daidaito wajan bada wani sashe na daga abin da aka samu na riba, ba daga Uwar kuɗi ba.
Duk wanda ya ji tsoran Allah, tabbas zai azurta shi ta inda ba ya zato kamar yadda Allah ya fada a suratu Addalak aya ta:( 3)
Don neman karin bayani duba Al-mugni (5/28) da kuma Almausu'a Alfiqhiyya (8/116).
Allah ne mafi sani
*Amsawa*✍🏻
*DR.JAMILU YUSUF ZAREWA*
Ku kasance damu domin ilimintarwa, Fadakarwa da Tunatarwa a Sunnah.
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