{"id":1908,"date":"2023-05-10T04:55:57","date_gmt":"2023-05-10T04:55:57","guid":{"rendered":"https:\/\/xanderia.com\/?p=1908"},"modified":"2023-05-10T08:25:57","modified_gmt":"2023-05-10T08:25:57","slug":"russia-turns-to-islamic-banking-as-western-financial-markets-close-their-doors","status":"publish","type":"post","link":"https:\/\/xanderia.com\/my\/blog\/2023\/05\/10\/russia-turns-to-islamic-banking-as-western-financial-markets-close-their-doors\/","title":{"rendered":"Rusia Beralih kepada Perbankan Islam apabila Pasaran Kewangan Barat Menutup Pintunya"},"content":{"rendered":"
<\/div><\/div><\/div>\n

Sumber Gambar <\/span><\/i>https:\/\/www.ft.com\/content\/9e6c607a-7ae6-11e4-8646-00144feabdc0<\/span><\/i><\/a><\/p>\n<\/div><\/section>\n

<\/span><\/span><\/div>\n

Rusia Beralih kepada Perbankan Islam apabila Pasaran Kewangan Barat Menutup Pintunya<\/b><\/h4>\n


\n<\/span>Rusia bersedia untuk memulakan projek perintis untuk perlaksanaan kewangan Islamik di wilayah-wilayah yang populasinya didominasi oleh umat Islam. Percubaan untuk projek ini akan mengambil masa selama dua tahun yang akan berlaku di Dagestan, Chechnya, Bashkiria, dan Tatarstan. Selepas itu, pihak berkuasa akan memutuskan kesesuaian model kewangan Islamik untuk Rusia. Alexandr Kazakov, soernag pakar kewangan di Persatuan Pakar Rusia dalam Kewangan Islam, telah mencadangkan bahawa ia adalah \"masa untuk melupakan\" institusi kewangan Barat dan memberi tumpuan kepada kerjasama berasama dengan negara-negara Arab dan Asia. Beliau berkata bahawa \u201cThe State Duma\u201d (biasanya disingkatkan dalam bahasa Rusia sebagai Gosduma, ialah dewan rendah Perhimpunan Persekutuan Rusia, manakala dewan atasan ialah Majlis Persekutuan) telah meluluskan undang-undang mengenai pembiayaan rakan kongsi dalam pendengaran pertama, yang mencadangkan produk kewangan berdasarkan prinsip Islam. Setelah implementasi atau penggunaan, kewujudan instrumen kewangan alternatif akan diiktiraf di peringkat perundangan di Rusia.<\/span><\/p>\n

Kazakov berkata sistem perbankan Islam mempunyai prospek yang baik atas \"permintaan yang sangat tinggi\" daripada lebih 20 juta umat Islam Rusia. Sistem kewangan Islamik merangkumi dua model asas, perkongsian atau Musharakah, dan pembayaran secara ansuran atau Murabaha. Kazakov menjelaskan bahawa kewangan Islamik melarang mengenakan faedah, manakala pinjaman berfaedah telah menemui jalan mereka ke dalam perniagaan Eropah. Sistem kewangan Islamik menawarkan perkongsian, yang melibatkan penyertaan kedua-dua pihak pengguna dan pemberi kewangan dalam keuntungan dan kerugian, manakala pinjaman berasaskan faedah perlu dibayar balik tanpa mengira hasil aktiviti peminjam.<\/span><\/p>\n

Dalam model perkongsian atau Musharakah, bank dan pelanggan memperoleh hartanah dalam perkonsian pemilikan. Pelanggan membayar sewa kepada bank mengikut kadar saham, dan pelanggan secara beransur-ansur membeli saham bank. Dalam model Murabahah, bank membeli hartanah pada harga spot dan menjualnya kepada pelanggan, yang membayar secara ansuran dengan margin tertentu kepada harga spot.<\/span><\/p>\n

Kazakov menekankan bahawa bank Islam perlu memastikan bahawa sebarang operasi kewangan berkait rapat dengan pelaburan atau perdagangan patuh Syariah dan tidak menyembunyikan pinjaman yang dikenakan faedah. Prinsip umum kewangan Islamik ialah kaitan pembiayaan yang tidak dapat dipisahkan dengan ekonomi sebenar dan kemustahilan menggunakan wang sebagai objek jualan. Kelainan agama tidak mengenakan sebarang had untuk menggunakan kewangan Islamik, dan entiti undang-undang tidak boleh mengamalkan agama secara prinsip.<\/span><\/p>\n

Fahami dengan lebih mendalam di <\/span>https:\/\/www.aa.com.tr\/en\/economy\/russia-mulls-turning-to-islamic-banking-over-closure-of-western-financial-markets\/2803001<\/span><\/a>\u00a0<\/span>
\n<\/span><\/p>\n<\/div><\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":1909,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[4],"tags":[33,32],"class_list":["post-1908","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-malaysia-islamic-finance-news","tag-islamic-finance","tag-russia"],"aioseo_notices":[],"yoast_head":"\nRussia Turns to Islamic Banking<\/title>\n<meta name=\"description\" content=\"Russia turns to Islamic banking as Western markets close doors. 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