التزام بالتصدق۔۔۔فقہی وشرعی حیثیت
بینک کے ساتھ لین دین میں لازمی صدقہ
Abstract
A problem, which Islamic banks face in Murabaha and Ijarah financing, is the danger of default. So, if a client defaults in payment of the price or rental at the due date, the price cannot be increased. In interest based loans, the amount of loan keeps on increasing according to the period of default. But it is prohibited in Islamic Financing. The real solution to this problem is to develop a system where the defaulters are punished by depriving them of getting a financial facility in future. So, the alternative suggestion is that while entering into a Murabaha or Ijarah transaction, client undertakes that in case of default in payment at the due date, he will pay a specified amount to a charitable fund maintained by the bank. The objections on this method are not valid. But it must be ensured that no part of this amount shall form part of the income of the bank, and bank cannot charge an opportunity cost or any kind of expenses like recovery or administration charges from this amount. But Islamic Banks should seek an alternative of this method also, as it is not an ideal method of covering the risk. Islamic banks should also think about and attend the alternative suggestions discussed in this article.
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”فکرونظر“ میں مقالے کی اشاعت سے پہلے مقالہ نگار کو اپنی نگارشات کا حق اشاعت ادارہ تحقیقات اسلامی، بین الاقوامی اسلامی یونیورسٹی، اسلام آبا د کو تفویض کرنا ہوگا۔ یہ عمل ادارے کے لیے نہ صرف کاپی رائٹ حقوق کی حفاظت یقینی بناتا ہے بلکہ اس کے ذریعے ادارے کے لیے مقالات اور مجلے کی اشاعت، پرنٹ اور الیکٹرانک ہر دو صورتوں میں، زیادہ سے زیادہ قارئین تک ممکن ہوتی ہے۔ علاوہ ازیں، مقالہ نگاران اگر کسی دوسرے مصدر/ مرجع سے کوئی جدول، خاکہ یا اقتباس نقل کر رہے ہیں تو اس کی پیشگی اجازت حاصل کرنا ضروری ہوگا۔ اس کا اطلاق بلاواسطہ یا بالواسطہ ہر دو قسم کی نقل پر ہوگا۔
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