Eyona Akhawunti yokuRhweba yamaSilamsi 2021

12 October 2020 | Ukuhlaziywa: 11 Juni 2021

Umxholo awusebenzi kubasebenzisi base-US.

Okwangoku kukho abalandeli abali-1.8 billion benkolo yamaSilamsi. Phantse ikota yabemi behlabathi. Kubekho ingxoxo enkulu kumashumi eminyaka malunga nendlela evunyelweyo ngeendlela ezahlukeneyo zokurhweba kunye notyalo mali, kodwa iindaba ezimnandi zezokuba kunokwenzeka ngokupheleleyo ukurhweba ngehafu ngeakhawunti yomrhwebi wamaSilamsi.

Ngokwesiko kwi-Islam, ukurhweba kukholelwa ukuba kunjalo haram, nangona ingekho mnyama namhlophe njengaleyo. Ngapha koko, iiakhawunti zorhwebo zamaSilamsi zenzelwe ukwenza ukuba abantu benkolo yamaSilamsi bakwazi ukurhweba ngelixa behlala bethembekile kwinkolo yabo.

Xa uthengisa i-forex, umzekelo, okoko uthengisa ngokubala ukubonakaliswa kwakho kunye nomngcipheko ochanekileyo kunye nenjongo yomvuzo-awuyi kwaphula umthetho wamaSilamsi

Kweli phepha, siza kuthetha ngayo yonke into ukusuka kwinto eyiakhawunti yokurhweba yamaSilamsi kunye nendlela oku okunxulumene ngayo neziseko zezemali zamaSilamsi. Wel ”sikwaxoxa ukuba yeyiphi na impahla evumelekile, kunye nendlela yokufumana umthengisi olungeleyo uSharia kwiimfuno zakho zorhwebo.

Uluhlu Yemixholo

     

    I-Eightcap-Iqonga elilawulwayo eliSasazekileyo

    Isilinganisi sethu

    • Ubuncinci bediphozithi ye- $ 250 nje
    • Iplatifomu ye-100% yasimahla kunye nokusasazeka okuqinileyo
    • Intlawulo yasimahla ehlawulwa nge-debit / amakhadi etyala kunye ne-e-wallets
    • Amawaka eemarike zeCFD kubandakanya i-Forex, iZabelo, iiRhwebo, kunye neeCryptocurrencies
    Qala uhambo lwakho lokufikelela kuzo zonke iinjongo zakho zezemali apha.

    Yintoni iakhawunti yokuthengisa yamaSilamsi?

    Ngamafutshane, iiakhawunti zorhwebo zamaSilamsi zenzelwe ngokukodwa abantu abafuna ukurhweba ngenkuthalo, ngelixa belandela yonke imigaqo-nkqubo yemithetho yezemali yamaSilamsi. Olu hlobo lweakhawunti ludla ngokubizwa ngokuba yi-'akhawunti engatshintshanga '-thetha ukuba akukho nzala (ithintelweyo kwinkolo yamaSilamsi).

    Ukuba uthembekile kwiQuran, kuyakufuneka ufumane iakhawunti yokuthengisa yamaSilamsi ukuze unamathele kwimithetho yomthetho weSharia ngaphandle kokukhathazeka ngokuhlawula okanye ukufumana inzala.

    Nangona kungekho baninzi abathengisi bamaSilamsi njengabathengisi bendabuko, kukho unyaka ovela ngakumbi ngonyaka. Kubalulekile ukuba uqaphele ukuba ngelixa ingezizo zonke iinkampani zabarhwebi ezinikezela 'ngeakhawunti yamaSilamsi', uninzi luya kunika iakhawunti esemgangathweni- kodwa elungiselelwe iimfuno zakho kunye nokugcina umthetho weSharia.

    Iziseko zokuThengisa iHalal

    Njengoko besichukumisile, iiakhawunti zamaSilamsi zenzelwe ukulungiselela imigaqo esisiseko kumthetho wezemali wamaSilamsi onokuthi wenze inkqubo yokurhweba inzima.

    Ubudlelwane phakathi komboleki kunye nombolekisi bubaluleke kakhulu xa kufikwa kwiziseko zomthetho weSharia. Umzekelo, inzala kucingelwa ukuba ayisiyonto ilungileyo ngenxa yokuba umntu 'obolekayo' ehlupheka uninzi lomngcipheko ngelixa 'umbolekisi' efumana umvuzo. Ngokwenkolo yamaSilamsi, lo mdla ubizwa ngokuba yi 'Riba', kodwa ngaphezulu okomzuzwana.

    Sibeke ndawonye isikhokelo kwizinto ezisisiseko zorhwebo halal, ukukhanyisa ukukhanya kwimithetho ebaluleke kakhulu ekufuneka uyithobele ukuze uhlale unyanisekile kukholo lwakho.

    Ukuthengiswa kweZandla

    Njengoko besesitshilo, umxholo wentengiso ethathelwa ingqalelo ngokubanzi njenge-haram ayisiyonto isikiweyo neyomileyo. Ngokomthetho weSharia, urhwebo luyisiqingatha ukuba lwenziwa 'ngesandla'. Amakhulu eminyaka eyadlulayo, oku kwakubhekiswa kurhwebo lobuso ngobuso izinto ezifana negolide, ingqolowa, amadethi kunye netyuwa.

    Ewe kunjalo, ngokukhawuleza ukuya kwinkulungwane yama-21 kwaye uninzi lwentengiso lwenziwa kwi-Intanethi. Kuninzi okutshintshileyo, phantse iipesenti ezingama-60 zehlabathi ngoku zinokufikelela kwi-intanethi, kwaye phantse abathengisi abazizigidi ezili-10 basebenzisa abathengisi abakwi-Intanethi ukutyala imali rhoqo kwiimarike kwihlabathi liphela.

    Izinto ezisisiseko zokurhweba ngesandla zisamile - ikhontrakthi yorhwebo kufuneka yenziwe de igqitywe 'kwiseshoni' efanayo. Oku kuthetha ukuba yonke iodolo kufuneka yenziwe kwangoko 

    URiba: Inzala

    E-Engish, igama elithi 'Riba' liguqulela 'kumdla'. NgesiArabhu, ibonisa ukwanda kunye nokugqitha. I-Riba ngaphandle kwamathandabuzo i-haram, ikakhulu ngenxa yokuba kukholelwa ukuba ikhuthaza ukukhula okungalunganga kunye noluntu olonakeleyo.

    Isalathiso sale nkolelo kucingelwa ukuba sityhilwe kwisityhilelo sokuqala seQuran eNgcwele phakathi konyaka wama-609 CE nowama-632 CE;

    “Into oyinika njengomdla wokwandisa ubutyebi babantu ayonyuki kuThixo; kodwa into oyipha ngesisa, ufuna ukuthanda kukaThixo, iyandiphinda-phinda.

    Kukho umkhuba osetyenziswayo ukuphikisa oku ngabalandeli benkolo yamaSilamsi- ibizwa ngokuba yi 'Bai' al-'Ina '(ukuthengisa nokuthenga kwakhona).

    Nanku umzekelo wolu hlobo lokubolekisa:

    • Khawufane ucinge umntu ekuthengisela iasethi
    • Awuyithengi i-asethi ngemali yokwenyani
    • 'Umbolekisi' unikezela ngeasethi ngetyala ngexabiso elimiselweyo
    • Umbolekisi ubandakanya icandelo lenzuzo
    • Ngokukhawuleza umbolekisi uyathenga impahla kwakhona, ngemali yokwenyani (ngexabiso elimisiweyo)
    • Oku kuthetha ukuba umbolekisi ungumnini weasethi- kwaye unayo inaliti oyifunayo
    • Okokugqibela, kuya kufuneka uhlawule ixabiso leasethi ekhankanywe ngasentla ngezavenge
    • Ukongeza koku, kuya kufuneka uhlawule icandelo lenzuzo

    Xa uthengisa i-halal nge-akhawunti yama-Islamic brokerage, umboneleli uya kuqinisekisa ukuba awuhlawuli okanye ufumane nayiphi na inzala kwi-akhawunti yakho emgceni ngalo mthetho ukhankanywe ngasentla weRiba. Kwabo abangaziyo, kuyafana nakwiakhawunti zebhanki, imali mboleko kunye neeakhawunti zokonga.

    Maisir: Ukungcakaza

    Ukungcakaza kunye nemidlalo yamathuba kuthathwa njengezinto ezicekisekayo zomsebenzi wezandla zikaSathana ngokomthetho weSharia. Lo mthetho othile (phakathi kwezinye izinto) ulawulwa zezi ziseko zilandelayo:

    • Bai salam (intlawulo epheleleyo kwangaphambili)
    • UMusawamah (ixabiso elihlawulwe ngumthengisi alaziwa ngumrhwebi)
    • Bai al inah (ukuthengisa kunye nokuthenga kwakhona)
    • IMurabaha (indleko-kunye nezemali)
    • UBai bithaman ajil (ukuthengisa ngentlawulo emiselweyo)
    • UMudarabah (ukwabelana ngenzuzo)
    • Bai muajjjal (ukuthengisa ngetyala)

    Isilinganisi esifanelekileyo sokuba ingaba into eza kuthathelwa ingqalelo njengongcakazo yiyo nantoni na enomoya 'wokuba sisityebi ngokukhawuleza' ngayo. Abanye abantu bayithathela ingqalelo imarike yemasheya njengento encinci kwicala le-maisir kwaye ke isisono.

    Isizathu sokuba sinokuthathwa njengesono kukuba, umzekelo, nguwe urhwebo usuku -Ukuyo ukuze wenze imali ngokukhawuleza. Iiakhawunti zorhwebo zamaSilamsi zithatha zonke ezi zinto zikwenze ukuba zikuncede uhlale ngokuthe tye kwaye umxinwa.

    IGharar: Ukungaqiniseki / umngcipheko omiselweyo 

    Nayiphi na intengiselwano yemali apho iziphumo zingagqitywanga 'yigarar' Oku kunokubandakanya intengiselwano yorhwebo engalunganga okanye emiselwe kwangaphambili-njengokutshintsha, ikamva, ukuqhubela phambili, kunye nokukhetha. Siza kuthetha ngakumbi malunga nezinto ezikhoyo / ezingafumanekiyo kungekudala.

    Nawuphi na umngcipheko ogqithisileyo kwimizamo yakho yorhwebo ungabeka emngciphekweni wokubambelela kwimithetho yezemali yamaSilamsi. Kungenxa yeso sizathu sicebisa ukuba ungazami ukuyenza ngokwakho, endaweni yoko uvule iakhawunti yokuthengisa yamaSilamsi.

    Ngokusisiseko naliphi na iqonga lokurhweba elinikezela nge-akhawunti yamaSilamsi / engatshintshiswanga yorhwebo kufuneka ihambisane nazo zonke iziseko zemithetho yamaSilamsi, ngeli xesha ikunika ukufikelela kwiimarike zehlabathi. Oku kuthetha ukuba ungarhweba ngaphandle kokukhathazeka ngokwaphula imigaqo yomthetho we-Sharia kunye nokungahloniphi ukholo lwakho.

    Ngaba ukuThengisa iHalal okanye iHaram?

    Impendulo yokuthengisa okanye ukungathengisi yi-halal okanye i-haram ayisiyonto ilula. Esi sizathu sokuba kutheni iiakhawunti zorhwebo zamaSilamsi zikhona. Ngokubalulekileyo, ezinye iindlela zokurhweba zaseNtshona zinokutshintshwa ngokulula ukuze zilungele abalandeli benkolo yamaSilamsi.

    Ixesha elizayo kunye neebhondi ngokuqinisekileyo zijongwa njengeharam. Kwimeko yeebhondi (i-Sukuk), azivumelekanga kuba zakhiwe ngokusekwe kwinqanaba lenzala. Xa iibhondi zikhona thengiswa ngeCFDs - akukho mdla. Nangona kunjalo, ixabiso lomyinge wenzala ngumthombo wokusasazeka.

    Xa kuziwa kwikontrakthi yexesha elizayo, bayathintelwa ngenxa yokulibaziseka kwendalo yorhwebo.

    Ukuba ucinga ngale ndlela-

    • Xa utyikitye isivumelwano sakho, ukuthengisa okanye ukuthengwa akukhawulezi.
    • Oku kuyaphikisana 'nesandla ngesandla' somthetho weSharia (jonga ngasentla).

    Ongakhetha kubini kubandakanya ukuzama ukumisela kwangaphambili iinguqu kwixabiso ngaphakathi kwexesha elimiselweyo. Le ndlela yokurhweba ngokuqinisekileyo iyindlela ethandwayo yabarhwebi yokwenza imali kodwa ukhetho olunambambili lujongwa njengeharam- ubukhulu becala ngenxa yenzala efunyenwe okanye ehlawulwe kumrhwebi.

    Njengoko ubona, ukuba umntu wenkolo yamaSilamsi asebenzise iakhawunti esemgangathweni yokurhweba kunokuba nokudideka kancinci. Kungenxa yoko le nto ezi akhawunti zikhulelweyo-ukunika wonke umntu ithuba elifanelekileyo kurhwebo.

    Okulandelayo, siza kuyicoca inkungu kwinto oyenzayo unako urhwebo neeakhawunti zorhwebo zamaSilamsi.

    Ndingathengisa ngantoni ngeAkhawunti yokuRhweba yamaSilamsi?

    Ngaphandle kwale mithetho sele ikhankanyiwe ekufuneka ilandelwe ukuze ihlale inyanisekile kwinkolo yamaSilamsi, ngokuthengisa usebenzisa iakhawunti yokurhweba yamaSilamsi nomrhwebi olawulwayo- uyakothuka ukuba ungathengisa kangakanani.

    Ukulungiselela ukulungelwa kwakho, sidwelise iiasethi oya kuthi ukwazi ukuzithengisa kwangoko nje ukuba uzifumanele iakhawunti yokurhweba yamaSilamsi.

    Forex

    Siphinde sachaza ukuba iRiba yenye yemigaqo ephambili kumthetho wamaSilamsi. Ngokubanzi, kuyinto eqhelekileyo xa urhweba kwimarike ye-forex yomtyali-mali ukugcina ezinye izikhundla zivulekile emva kokuba iseshoni yorhwebo iphelile.

    Esi sikhundla sivulekileyo sidala 'ikhomishini yokutshintsha' eyintlawulo yokufumana imali ubusuku bonke, okanye inzala-yona ayivumelekanga. Kukwakho nengxoxo-mpikiswano enkulu phakathi kwabafundi malunga nokuba ukubalwa kwe-forex kukungcakaza na kwaye ke kunjalo.

    Nabani na okhe wathengisa kwimarike ye-forex eguqukayo uyazi ukuba ukurhweba ngezezimali akupheleli nje ekuthatheni ukungcakaza. Ngokuchasene noko - kukho iqhinga elibandakanyekayo, ukufunda uhlalutyo lobuchwephesha kunye nedatha yamaxabiso. Kule meko, i-forex ngokuqinisekileyo ayisiwo umdlalo wamathuba.

    Unokuthengisa ii-majors, abantwana kunye ne-exotic ngokusebenzisa umboneleli wakho weakhawunti yamaSilamsi. Khumbula ukuba umthengisi ngamnye uya kwahluka, ke ukuba unomdla kwisibini esithile uhlala ujonga ukubakho kweqonga ekuthethwa ngalo.

    Nayi imizekelo embalwa yeendidi zeebhangqa zangaphambili ezixhaswa kakhulu ziiakhawunti zorhwebo zamaSilamsi:

    • Abancinci: I-EUR / GBP, i-GBP / i-AUD, i-AUD / i-JPY, i-GBP / i-CAD, i-EUR / i-NZD, i-CHF / i-JPY
    • Abakhulu: I-EUR / USD, i-EUR / i-USD, i-USD / i-JPY, i-AUD / i-USD, i-NZD / i-USD, i-USD / i-CHF
    • Izinto ezingaqhelekanga: I-USD / HKD, i-USD / SEK, i-USD / i-SGD, i-EUR / ZAMA, i-USD / MXN, i-EUR / i-HUF

    Xa kuthengiswa i-forex ngokusebenzisa iiakhawunti zorhwebo zamaSilamsi akukho ntlawulo itshintshayo-yiyo loo nto ithathwa njengehafu. Inye into ekufuneka uyijongile nangona ezinye iifizi ezinje ngeekhomishini. Emva kwayo yonke loo nto, umrhwebi kufuneka enze imali ngandlela thile.

    Siza kuya kwiikhomishini ukuba sijonge kamva.

    Cryptocurrencies

    Ngokufana nokuthengisa i-forex, akukho ziinkozo zemali ze-crypto kuphela kubarhwebi bamaSilamsi. Nangona kunjalo, utshintsho lwamaxabiso abo lusekwe kunikezelo nakwibango kunenzala, ke ii-cryptocurrensets zivunyelwe phantsi kwemithetho yezemali yamaSilamsi. Oko kwathethi, amarhe okuba inkqubela phambili iyenziwa kutshintshiselwano lokuqala lwe-Islamic crypto.

    Nazi ezinye zeemali zokukhangela ezikhoyo ezifumaneka kurhwebo ngeeakhawunti ezininzi zorhwebo zamaSilamsi- nangona zingaphaya kwama-5,300 ezikhoyo:

    • Ripples
    • Bitcoin
    • Stellar
    • I-Bitcoin Cash
    • Litecoin
    • EOS
    • Ether
    • NEO

    Ii-cryptocurrensets azithembekanga kumanqanaba enzala, ke ngaphandle kweakhawunti yokuthengisa yamaSilamsi, unokurhweba ngeemali ze-crypto. Kwelinye icala, ukuba ufuna ukurhweba ngaphezulu kwe-asethi enye ngeli xesha ushiyekileyo i-halal ke kufuneka ube neakhawunti efanelekileyo yamaSilamsi.

    Izitokhwe kunye neZabelo

    Ngaphantsi kwemithetho yomthetho wamaSilamsi, unokuthenga, ubambe kwaye uthengise isitokhwe esimalunga nomthengisi wakho. Emva kwayo yonke loo nto, ukuthengisa iimpahla ezinje ngengqolowa namalaphu sele kwenziwe kangangeenkulungwane. Ngapha koko, umprofeti owaziwayo uMuhammad (u.k.k) wayenguye ngazo zonke iiakhawunti urhwebo lwesitokhwe usomashishini.

    Kule mihla nakwiminyaka yobudala, zininzi kakhulu iingozi ekufuneka uzilumkele xa uthengisa isitokhwe i-halal. Umzekelo, kuyacaca ukuba awuzukutyala imali ekuthetheni isiselo esifana neGuinness, kodwa kukho iindawo ezingwevu. Inkampani ebonakala ngathi i-halal inokuqhuba ishishini labo ngendlela yeharam.

    Masikunike imizekelo embalwa yeenkampani ezivela kumthetho wamaSilamsi.

    • Izabelo ziqwalaselwe ngokungqongqo ngeharam: Inomdla osekwe kwiibhanki, iihotele, ukhenketho, utywala, iifemu zeinshurensi zorhwebo, iiklabhu zasebusuku
    • Izabelo ziqwalaselwe njengeharam, ngokuyinxenye ngenxa yeenkqubo: Iinkampani ezisebenzisa ii-akhawunti zebhanki yenzala, iinkampani ezixhaswa ngemali mboleko yenzala.
    • Izabelo ziqwalaselwe njenge-halal: Izixhobo, isinyithi, izixhobo zonyango, ukuvelisa, ukuhambisa iimpahla, impahla, izinto ezithengisa izindlu, ifenitshala, izixhobo, iimveliso zezolimo

    Njengoko ubona, kukho indawo engwevu ngokuthe gca xa kufikwa kwisitokhwe nakwizabelo, ngamanye amaxesha zonke zinokungabi njengoko kubonakala. Xa uthengisa isitokhwe ngeakhawunti yokuthengisa yamaSilamsi awuyi kuvezwa nakweyiphi na impahla yeharam kwaphela. -Kunoko, unokurhweba izinto ezinjengeemveliso zezolimo kunye nesinyithi ukwakha iphothifoliyo yakho.

    CFD

    Ii-CFD yinto ekhohlisayo- kuba awunayo i-asethi esisiseko abantu abaninzi bayithatha njengechasene nomthetho weSharia. Oku kusekho kwakhona apho iiakhawunti zorhwebo zamaSilamsi zingena khona. Ukurhweba ngokufanelekileyo kususa yonke inzala kunye nokutshintshela kwimpahla yorhwebo, kwizalathiso, kwizabelo, kwii-ETF nakwibhondi.

    Ngokubalulekileyo, kuya kufuneka uphande oku ngeqonga ngalinye lomthengisi. Kungenxa yokuba ababoneleli abayi kubonelela ngezixhobo ezahlukeneyo zemali kodwa banemigaqo, iimeko kunye nemirhumo eyahlukileyo.

    iinketho

    Xa kufikwa kukhetho lwesiko 'lokufowuna' uyakuhlawula 'ipremiyamu' - ekunika ithuba lokuthenga izabelo, iimali kunye nezibophelelo njl. Ukuba oko kuyenzeka, inzuzo kurhwebo ngumahluko phakathi kwamaxabiso omabini- kunye nepremiyamu ethathiweyo.

    Kwimeko yeakhawunti yokuthengisa yamaSilamsi, ukhetho lokufowuna lwaziwa njenge 'urbun' (uguqulelo lwesiNgesi- idiphozithi). Sebenzisa urbun, umtyalo mali wenza intlawulo ephezulu kwiasethi okanye kwizabelo. Injongo yelo xabiso iya kugqitha kwi-preset / kwi-strike price.

    Ukuba ixabiso alinyuki ngaphezu kwexabiso lesitrayikhi, ekuphela kwelahleko eyenziweyo yintlawulo yabo ephambili (ekwabizwa ngokuba lixabiso langaphambili). Kodwa ke unelungelo lokulahlekelwa koku.

    Ngokwendlela 'yokubeka', kurhwebo lwamaSilamsi, oku kubizwa ngokuba 'ukujika Yiya '. Ngamanye amagama, umthengisi angathengisa ngexabiso elimiselweyo kamva emgceni ukuze enze inzuzo ukuba ixabiso leasethi liyehla.

    Iibhondi zamaSilamsi

    Kwimeko yeeakhawunti zorhwebo zamaSilamsi- iibhondi zibizwa ngokuba yi 'Sukuk'. Esi sisixhobo esifana nebhondi ngaphandle kwegumbi lenzala okanye umthwalo wamatyala. Inyani kukuba abathengisi bamaSilamsi bafuna ukubandakanya iibhondi kwiiphothifoliyo zabo ngelixa bahlala bethembekile kwiQuran.

    I-sukuk ibonakaliswa ngokuba unokhuseleko olusekwe kwi-asethi, njengoko iibhondi zemveli zinganiki abatyali mali ithuba lokuba ne-asethi. Endaweni yoko, ibonwa njengembopheleleko yetyala elingavumelekanga phantsi komthetho wamaSilamsi.

    Xa uthengisa olu hlobo lwebhondi nge-akhawunti yorhwebo yamaSilamsi-uya kunikwa ubunini obuncinci kuloo asethi. Impahla yexabiso iya kudinga ukuba ibe sisiqingatha, aya kuthi ayikhathalele umrhwebi wakho. Khumbula, xa kufikwa kwisiseko seasethi kunokubakho iindleko ezichaphazelekayo eziya kubonakala kwinzuzo yakho.

    Iindidi zeeAkhawunti zokuThengisa zamaSilamsi

    Okwangoku kufuneka uzive ukhuselekile kulwazi lokuba unokurhweba zombini kwaye hlala unyanisekile kwiinkolelo zakho ngokurhweba nje ngeakhawunti yamaSilamsi.

    Unoko engqondweni, siza kuchaza iintlobo ezimbalwa ze izicwangciso zorhwebo ukukhuthaza.

    Ukurhweba ngamaSilamsi

    Ukurhweba I-hypothesising yexeshana elifutshane yokuthengisa kwiimarike ezahlukeneyo kwii-ETFs, ikamva, i-forex, ii-cryptocurrensets, ukhetho kunye nesitokhwe. Ezi zikhundla ziya kubanjwa zivule ixesha elingaphezu kosuku olunye lokurhweba, ngamanye amaxesha iiveki.

    Ngenxa yoko, ekuphela kwendlela onokuthi ujikeleze ngayo urhwebo ngeli xesha uhlala uhambelana nomthetho weSharia kukusebenzisa iiakhawunti zorhwebo zamaSilamsi. Sebenzisa iakhawunti yamaSilamsi engenakutshintsha, umzekelo, iya kuqinisekisa ukuba uyawaphepha onke amaxabiso enzala kwaye isikhundla sakho asisoze sishiywe sivulekile ubusuku bonke.

    Ukuthengisa ngemini yamaSilamsi

    Njengoko usenokuba uyazi, ukuthengisa kwemini kubandakanya ukuvala indawo yakho ngaphambi kokuba usuku lokurhweba luphele kwaye imarike ivalwe. Ngenxa yoko, akukho zintlawulo zotshintshiselwano, ke olu hlobo lokuthengisa luvumelekile ngaphakathi kwemithetho yezemali yamaSilamsi.

    Olunye lwezibonelelo zokuthengisa ngemini ngeakhawunti yokuthengisa yamaSilamsi kukuba awunyanzelekanga ukuba uzikhathaze ngokuvala indawo. Nangona kunjalo, ngaba kubaluleke kakhulu ukuba usivale isikhundla sakho ngaphambi kokuphela kweseshoni yokuthengisa ukuze uqiniseke ukuba uyayiphepha imali yokulala ebusuku.

    Oku kuyakuba ngumcimbi kuphela ukuba usebenzisa iakhawunti yomrhwebi esemgangathweni. Ngokuchasene noko, ngokusebenzisa i YamaSulumane Iakhawunti yorhwebo - imali eguqulwayo ayisekho, ngenxa yoko akuyomfuneko ukuba ukhathazeke ngokugcina indawo yokuthengisa engaqhelekanga kwindawo evulekileyo kwiiyure ezidlulileyo zemarike. 

    I-Scalping yamaSilamsi

    Kwimeko, scalping Sisenzo sokuvula izithuba ezincinci kwimarike, kwaye urhwebo ngalunye luvalwa ngemizuzu, okanye kwezinye iimeko imizuzwana. Olu hlobo lokuthengisa lufanela abalandeli benkolo yamaSilamsi ngokugqibeleleyo njengoko indawo nganye ivalwa ngesantya esikhawulezayo sombane. Kananjalo, akukho ntlawulo yokutshintsha ibandakanyekayo nokuba yeyiphi na iakhawunti yakho.

    Ngokwethiyori, unokurhweba ngale ndlela ngeakhawunti yokuthengisa ngokwesiko. Kodwa, ngokuthengisa ngokuthe ngqo ngokusebenzisa iiakhawunti zorhwebo zamaSilamsi awunabhetyebhetye kuphela ukugcina izikhundla zivulekile ixesha elide, kodwa ukhuselekile eRiba.

    Iiakhawunti zokuthengisa zamaSilamsi: IiKhomishini

    Njengoko besichazile kwesi sikhokelo, umahluko omkhulu phakathi kokurhweba ngeakhawunti esemgangathweni kunye neakhawunti yamaSilamsi ngumdla otshintshanayo (okanye ukungabikho). Ukutshintsha komdla kuyenziwa kukushiya izikhundla zivulekile ubusuku bonke.

    Ngokuthengisa ngeakhawunti yorhwebo yamaSilamsi, yonke inzala iyasuswa. Ngale nto ithethwayo, umrhwebi kusafuneka enze imali ngenkonzo ebonelelweyo. Kulapho ezinye iifizi zingena khona kubalo.

    Nazi ezona mali zixhaphakileyo zibonwa ziqhotyoshelwe kwiiakhawunti zorhwebo zamaSilamsi:

    • Imirhumo yemida
    • Imirhumo yeKhomishini
    • Imirhumo yolawulo

    Zonke ezi ntlawulo zingasentla zisiqingatha kwaye ke zivunyelwe ngokufanelekileyo kubalandeli benkolo yamaSilamsi.

    Iinkonzo kunye neengozi zeAkhawunti yokuThengisa yamaSilamsi

    Njengoninzi lwezinto ebomini, apho kukho izibonelelo kukho izinto ezingalunganga. Sidwelise izinto ezilungileyo nezingalunganga kwiiakhawunti zorhwebo zamaSilamsi apha ngezantsi.

    eziluncedo

    • Urhwebo ngokulula ngaphandle kokungahloniphi umthetho weSharia
    • Uyakwazi ukuthengisa isitokhwe sehafu
    • Yahlula iphothifoliyo yakho yorhwebo ngaphakathi komthetho wamaSilamsi
    • Akukho ntlawulo yokutshintsha / iRiba
    • Ukukhanya okungaphezulu

    neengozi

    • Abanye abarhwebi bamaSilamsi babiza imali eninzi yokwenza ukungabikho kwee-swaps
    • Ubuncinci bomda wokuthintela kunye nokwahluka
    • Kusekho iakhawunti yokurhweba niche

    Ungazifumana njani iiAkhawunti eziNtengiso zamaSilamsi

    Ngaphambi kokuba uqale ngokurhweba usebenzisa iiakhawunti zorhwebo zamaSilamsi, kufuneka uqale uzifumanele umrhwebi olungileyo wokwenza urhwebo lwakho oluthobelayo lwe-Sharia.

    Sibeke ndawonye uluhlu lweemetrikhi eziphambili ekufuneka ujonge kuzo xa ukhangela umthengisi olungileyo kwiimfuno zakho ezithile.

    Ummiselo weBroker

    Xa usenza uphando kubarhwebi abanikezela ngeakhawunti yokuthengisa yamaSilamsi, kuya kufuneka usoloko uqinisekisa ukuba iqonga lakho ozikhetheleyo linelayisensi kwaye lilawulwa. Umzekelo, ukuba ungumhlali wase-UK kwaye umrhwebi wakho unelayisensi yi-FCA, iimali zakho ziya kukhuselwa ukuya kuthi ga kwi-85,000 yeedola (ukuba inkampani iye yonakala).

    Ayizukuhlukaniswa kuphela imali yakho kwaye ikhuselwe phantsi kolu hlobo lomzimba olawulayo - kodwa iarhente yomthengisi ijongiwe kwaye iphantsi kophicotho rhoqo ukuqinisekisa ukuba yonke into ingaphezulu kwebhodi.

    Indlela elungileyo yokuqinisekisa ukuba umthengisi wakho unelayisensi kukujonga iwebhusayithi ukuze ufumane inombolo yelayisensi. Ukuba awuqinisekanga ngokusebenza kwale nombolo, unokujonga kwiwebhusayithi esemthethweni yeCCA (okanye elinye iqumrhu elilawulayo).

    sasaza

    Ukusasazeka kwenza umahluko omkhulu kwiinzuzo zakho kwaye Ilahleko xa kuziwa kurhwebo- nokuba usebenzisa iakhawunti yokuthengisa yamaSilamsi okanye hayi. Kwimeko apho ungazi, ukusasazeka ngumahluko phakathi kwexabiso lokuthenga kunye nexabiso lokuthengisa.

    Nanku umzekelo wokusasazeka (okulinganiswa 'iipipi'):

    • Khawufane ucinge i-GBP / USD ine kuthenga Ixabiso le-1.2933
    • The thengisa Ixabiso le-GBP / USD yi-1.2930
    • Sebenzisa lo mzekelo, i-GBP / i-USD isasazeke ngeepipi ezi-3
    • Ukwaphuka kuya kufuneka ulwandise olu rhwebo ziipipi ezi-3
    • Nantoni na emva kwee-3 iipips iya kuba yinzuzo

    Umzantsi osasazeka ubangcono xa uzingela ii-akhawunti ezilungileyo zorhwebo zamaSilamsi. Kodwa, amathuba okufumana ukusasazeka okuphezulu okuqhotyoshelwe kolu hlobo lweakhawunti. Isizathu sokusasazeka kunye nemirhumo zihlala ziphezulu kungenxa yokuba umrhwebi ephulukana nemali kwimirhumo yenzala.

    Ukwahluka kweeasethi

    Uninzi lwabarhwebi bathanda ukugxila kwiiasethi ezimbalwa, ngakumbi ukuqala. Kulula ukuqonda iimarike ezimbalwa kunazo zonke. Emva kwayo yonke loo nto, ukufunda ukufunda kunye nokuhlalutya amaxabiso amaxabiso kungathatha iminyaka ukuqonda ngokupheleleyo.

    Iiakhawunti zorhwebo zamaSilamsi zinokusetyenziselwa ukuthengisa uninzi lweeklasi zeeasethi ezahlukeneyo ngelixa ihlonipha imithetho yezemali yamaSilamsi. Xa ujonga umthengisi wakho ohambelana no-Sharia, sicebisa ukuba ufumane enye enikezela ngezixhobo ezahlukeneyo zokukunceda ukwahlula iphothifoliyo yakho ye-halal. 

    Izixhobo zoRhwebo kunye neZalathi zeTekhnoloji

    Njengoko besesitshilo, kungathatha iminyaka ukuqonda ubugcisa bezorhwebo, ukuqonda idatha yexabiso lembali kunye nokunye okunje. Ngokufanelekileyo, umrhwebi wakho kufuneka anikezele ngeendlela ezahlukeneyo zobuchwephesha ukukunceda uqonde imeko yentengiso.

    Oku kubandakanya:

    • Inkxaso kunye nenkcaso
    • I-Index of Strength Index (RSI)
    • Bollinger Nyanda
    • I-Oscillator
    • SAR Parabolic
    • Ukuhambisa umndilili wokuDibana kokuDibana (MACD)
    • Isalathiso seChannel yeZinto (CCI)
    • Stochastics

    Ngaphandle kokuba usebenzisa inkqubo ye-EA ezenzekelayo (irobhothi) kunye nokuthengisa ngendlela engacacanga, ke zonke ezi zixhobo zorhwebo zibaluleke kakhulu. Ngelixa ayinguye wonke umthengisi oza kuzinika zonke ezi zixhobo, ubuncinci ezinye ziya kuba luncedo kuwe.



    Ukuba umthengisi wakho ongumSilamsi onobuhlobo akaboneleli ngezixhobo kunye nohlalutyo kwiqonga lalo, unokuhlala ufikelela simahla kwenye indawo.

    Nazi ezinye zezixhobo eziluncedo ezisetyenziswa ngabarhwebi:

    • Idayari yokuthengisa / ijenali
    • Unxibelelwano lwemali
    • Pip calculator
    • Iqonga lokurhweba leMT4 / 5
    • Uhlalutyo oluphambili
    • Umthengisi usasaze ukuthelekisa
    • Iikhalenda zeendaba zoqoqosho
    • Iindaba zeendaba zemali ezifana neReuters
    • Indawo yokuguqula indawo
    • Ikhaltyuleyitha yokungazinzi

    Inkqubo yokufaka kunye nokuTsala imali

    Xa kuziwa kwiimpawu eziphambili zokujonga, iindlela zokuhlawula zikhona apho zisasazeka, iifizi kunye nenkxaso yabathengi. Ayizizo zonke iiakhawunti zorhwebo zamaSilamsi ezifanayo, ke kuyakufuneka uqiniseke ukuba indlela oyikhethileyo yokuhlawula yamkelwe kwiqonga lomthengisi ngaphambi kokuba ubhalise.

    Iindlela eziqhelekileyo zokubona ezibonelelwa ziakhawunti yamaSilamsi zezi zilandelayo:

    • Amakhadi okutsala / amatyala
    • Udluliselo lwebhanki
    • I-E-wallets ezinje nge-PayPal kunye ne-Skrill

    Gcina ukhumbula ukuba ukuba ufaka kwiakhawunti yakho ngogqithiso ngocingo lwebhanki- kuhlala kuthatha ixesha elide ukufika. Ukuba ufaka imali usebenzisa i-e-wallet, umzekelo, ungaqala ukurhweba phantse kwangoko.

    Inkxaso abathengi

    Iinketho zenkxaso kubathengi ekunikezelweni kwifemu yomrhwebi zibalulekile. Ungajonga ukuba loluphi ukhetho olufumanekayo ngokundwendwela iqonga phambi kokuba ukubhalisa. Kuya kufuneka ujonge i-24/7 ingxoxo ephilayo, kunye nomnxeba wokuxhasa umnxeba ukuze ukuba ulungile kwaye ufuna iimpendulo- ungafikelela kumntu kwangoko.

    Ukuba umthengisi wakho ukwiplatifomu yemidiya yoluntu, le inokuba yindlela elungileyo yokugcina ulwazi malunga neenkampani, kunye nokunxibelelana nabanye abathengisi.

    Uyivula njani iAkhawunti yokuThengisa yamaSilamsi

    Okwangoku kuya kufuneka unikwe ulwazi ngokwaneleyo ukuba uvule iakhawunti yakho yamaSilamsi kwaye uqale ukurhweba. Ukukuseta kunyawo lwasekunene sidibanise inyathelo ngenyathelo ngesikhokelo sendlela onokuqala ngayo.

    Inyathelo 1: Bhalisela iAkhawunti yamaSilamsi

    Into yokuqala yokuqala-intloko iye kwi-Sharia yomthetho kwiqonga lomthengisi elinobuhlobo kwaye ukhethe ukhetho lweakhawunti yamaSilamsi okanye ujonge iakhawunti engenasimahla. Ukuba awukwazi ukubona enye yezo zonxibelelwano ngokulula kwiinkonzo zabathengi kunye namathuba okuba ziya kulungisa iakhawunti esemgangathweni ukuze ihambelane neemfuno zakho.

    Konke okufuneka ukwenze ukufaka ulwazi lwakho lomntu siqu, idilesi ye-imeyile kunye negama lokugqitha elikhethekileyo-lilandelwa yimibuzo embalwa malunga nokuma kwakho kwezezimali. Konke oku kungenxa yemithetho ye-KYC (yazi umthengi wakho) ebekwe yimibutho yolawulo, eyile yokuthintela ukuxhaphaza imali kunye nobuqhetseba bezemali.

    Inyathelo 2: Faka iMbali yakho yoRhwebo

    Ezinye, kodwa ayizizo zonke, amaqonga aya kufuna ulwazi olongezelelekileyo olunxulumene namava akho orhwebo lwangaphambili. Isizathu soku kukunceda umrhwebi ukuba aqonde inqanaba lamava akho kwaye ngenxa yoko ucebise ngokufanelekileyo iimveliso ezifanelekileyo zeakhawunti ye-Islamic.

    Inyathelo 3: Faka kwiAkhawunti yakho

    Ngoku ubhalisile, ungaqhubeka kwaye uxhase iakhawunti yakho yorhwebo yamaSilamsi. Khetha ngokulula kukhetho lokuhlawula olufumanekayo kubarhwebi bakho obukhethileyo kwaye ukhethe imali oza kuyifaka.

    Gcina ukhumbula, abanye ababoneleli banenani elincinci ledipozithi. Kwimeko yeCapital.com, le yi- $ 1,000 kuphela yeakhawunti yokuthengisa yamaSilamsi.

    Isinyathelo 4: Qala ukuThengisa

    Kwiipulatifomu ezinjengeCapital.com, ukuseta iakhawunti kunokuthatha imizuzu engaphantsi kwe-10. Sincoma i-Capital.com kubaqalayo njengoko kungekuphela nje onokukopa umrhwebi onamava, kodwa unokufikelela kwiakhawunti yedemo ene- $ 100,000 yexabiso lemali yamaphepha oza kudlala nayo.

    Eyona Akhawunti yeNtengiso yamaSilamsi ye2020

    Mhlawumbi unomdla wokuqalisa kunye nokuvula iakhawunti yokuthengisa yamaSilamsi. Ukuba awukaqiniseki malunga nokuba ngubani umrhwebi oza kuhlangabezana neemfuno zakho-jonga ke kwiiakhawunti zethu eziphezulu ze-5 zorhwebo zamaSilamsi ze2020.

    1. I-AvaTrade -Iakhawunti yamaSilamsi yokuRhweba yeMT4 / MT5

    Umrhwebi ongumhlobo ongumSilamsi unelayisensi ngokupheleleyo kwaye unedumela. I-AvaTrade ayinangxaki kwaphela malunga nokuhlengahlengisa iiakhawunti zayo ukulungiselela iimfuno zokholo lwakho kunye nesimbo sokurhweba. Iakhawunti yeqonga lamaSilamsi lokuthengisa alize nokutshintsha kwemihla ngemihla okanye iifizi zobusuku ukuze zihambisane ngokupheleleyo nomthetho weSharia.

    Iqonga libonelela nge-Halal yesilivere kunye neGolide yeAkhawunti yamaSilamsi kunye nokuvumela ukuba urhwebe ngekamva leoyile (ungatshintshi). Umthengisi ohambelana ne-Sharia uyafumaneka kwi-MT4 kunye ne-MT5 ebalaseleyo kuhlalutyo lobuchwephesha kunye neetshathi zamaxabiso njl.

    Imirhumo yenzala irhoxisiwe kuzo zonke iiasethi kwaye iAvaTrade ihlawulisa imirhumo yolawulo xa urhweba nge-forex ngeakhawunti yakho yamaSilamsi. Imirhumo yolawulo iya kuhlawuliswa kwizikhundla ezivulekileyo ze-forex.

    Nceda uqaphele ukuba awunakho ukurhweba nge-MXN, RUB, TRY, okanye i-ZAR zezibini zangaphambili ngeakhawunti yakho yamaSilamsi kweli qonga. Idiphozithi efunekayo ukuvula iakhawunti yokurhweba yamaSilamsi yi- $ 100. Bhalisa ngokulula, ngenisa ubungqina besazisi kwaye ugcwalise ifom yesicelo ukuqala ukurhweba ngeakhawunti ye-AvaTrade yamaSilamsi.

    Isilinganisi sethu

     

    2. I-Capital.com -iKhomishini-yasimahla kunye noKhuphiswano ekusasazeni kwiCopper

    I-Capital.com ikuvumela ukuba urhwebe ubhedu ngezixhobo zeCFDs. Okanye, ungathengisa ii-stock ze-CFD zeenkampani zemigodi yobhedu ezinje ngeSouthern Copper Corp. Ivunyiwe ziiFCA kunye neCySEC, umrhwebi okwangoku unabathengi abangaphezu kwama-700,000.

    Idumela elihlonitshwayo nexesha kunye nobungcali beCapital.com ziyabonakala kwiseti yayo enkulu yezixhobo zabarhwebi abatsha. Oku kubandakanya iiakhawunti zedemo zeCFD, iikhosi zorhwebo, kunye neevidiyo zemfundo.

    I-Capital.com yenye yabarhwebi abambalwa abaya kukuhlawulisa zero ikhomishini yokuthengisa ubhedu. Zikwabandakanya iindleko zeedipozithi kunye notsalo.

    Kuya kufuneka uhlawule ukusasazeka kuphela, okukhuphisana kakhulu kweli qonga. Idipozithi encinci efunekayo yidola ezingama-20, iipawundi ezingama-20, okanye ii-euro ezingama-20, okanye nayiphi na imali okhetha ukuhlawula kuyo.

    Isilinganisi sethu

    • Izinto zorhwebo ngaphandle kwekomishini
    • Ukhuphiswano lusasazeka
    • Imiselwe zizo zombini i-FCA kunye neCySEC
    I-82.61% yabatyali zimali abathengisayo baphulukana nemali xa bethengisa iiCFD kunye nalo mboneleli

     

     

    Ukushwankathela

    Njengoko ubona, kunokwenzeka ukuba abantu benkolo yamaSilamsi bathengise ngaphakathi kwemithetho yezemali yamaSilamsi - ngelixa behlonipha ngokupheleleyo imigaqo yeQuran. Konke okufuneka ukwenze kukuzifumanela iqonga lokuthengisa ngomthetho kwaye ubhalisele iakhawunti yokuthengisa yamaSilamsi.

    Kukwabalulekile ukukhumbula ukuba ayingawo onke amaqonga wabarhwebi abhengeza iiakhawunti zorhwebo zamaSilamsi. Ezinye zibizwa ngokuba zii-akhawunti 'ezingatshintshiswanga', okanye iiakhawunti ze 'halal'. Ukuba awukwazi ukubona nayiphi na kwezi sele zikhankanyiwe ngaphambili kodwa unomdla kuloo broker, emva koko ubathumele i-imeyile kwaye banokwenza iakhawunti esemgangathweni ukuba ihlangane neemfuno zakho ezingatshintshanga.

    Ukuzikhusela kunye noxolo lwengqondo, sicebisa ukuba ubhalise kunye nomthengisi onephepha mvume kumzimba onje ngeCAA okanye iASIC- njengaleyo sidwelise kweli phepha.

    I-Capital.com liqonga leeasethi ezininzi elinikezela ngotyalo-mali kwii-stocks nakwi-cryptoassets, kunye nokuthengisa ii-CFDs.

    Nceda uqaphele ukuba iiCFDs zizixhobo ezintsonkothileyo kwaye ziza nomngcipheko omkhulu wokulahleka kwemali ngokukhawuleza ngenxa yokuphakama. 75% yeeakhawunti zabatyali zimali abathengisa baphulukana nemali xa bethengisa iiCFDs nalo mboneleli. Kuya kufuneka uthathele ingqalelo ukuba uyayiqonda indlela ezisebenza ngayo ii-CFDs, kwaye nokuba ungakwazi na ukuthatha umngcipheko omkhulu wokulahlekelwa yimali yakho.

    Intsebenzo yangaphambili ayibonisi iziphumo ezizayo

    Iicryptoassets zizixhobo ezinokuguquguquka ezinokuguquguquka ngokubanzi ngexesha elimfutshane kakhulu kwaye ke azifanelekanga kubo bonke abatyali mali. Ngaphandle kweCFDs, urhwebo lwee-cryptoassets alulawulwanga kwaye ke alulawulwa ngumthetho we-EU
    sikhokelo.

    I-Capital.com i-USA LLC ayiboneleli ngee-CFD kwaye ayimeli nto kwaye ayithathi xanduva malunga nokuchaneka okanye ukugqibelela komxholo wale ncwadi, olungiselelwe liqabane lethu lisebenzisa ulwazi olukhoyo olungelolungu eluntwini malunga ne-Capital.com.

     

    I-Eightcap-Iqonga elilawulwayo eliSasazekileyo

    Isilinganisi sethu

    • Ubuncinci bediphozithi ye- $ 250 nje
    • Iplatifomu ye-100% yasimahla kunye nokusasazeka okuqinileyo
    • Intlawulo yasimahla ehlawulwa nge-debit / amakhadi etyala kunye ne-e-wallets
    • Amawaka eemarike zeCFD kubandakanya i-Forex, iZabelo, iiRhwebo, kunye neeCryptocurrencies
    Qala uhambo lwakho lokufikelela kuzo zonke iinjongo zakho zezemali apha.

     

    FAQs

    Ngaba ndingazama iakhawunti yamaSilamsi simahla?

    Ewe, ukuba umthengisi wakho okhethiweyo unikezela ngeakhawunti yeedemo kwiqonga layo (i-eToro umzekelo) unokuzama iakhawunti yokurhweba simahla.

    Yintoni iakhawunti engenakho ukutshintsha?

    Iakhawunti engenakutshintsha iyafana neakhawunti yamaSilamsi. Le akhawunti ishenxisa umrhumo wokutshintsha (inzala / iRiba) - kuba inzala ayivumelekanga phantsi komthetho weSharia.

    Ngaba bonke abathengisi banikezela ngeakhawunti yokuthengisa yamaSilamsi?

    Hayi, ayingabo bonke abathengisi abanikezela ngeakhawunti yokuthengisa yamaSilamsi. Amanye amaqonga awazibhengezi ngokuthe ngqo iiakhawunti zorhwebo zamaSilamsi, kodwa aya kulungelelanisa iakhawunti esemgangathweni ukuze ihambelane neemfuno zakho. Abanye abayi kunika iiakhawunti ezingatshintshi kwaphela. Abarhwebi abanjengo-eToro kunye neAvaTrade banikezela ngeakhawunti yokuthengisa yamaSilamsi kwaye balawulwa ngokupheleleyo.

    Ngaba ndingarhweba ngamasheya ngaphakathi kwemithetho yezemali yamaSilamsi?

    Ewe unako - okoko nje usenza isitokhwe esithathwa njengesiqingatha. Ngesi sizathu, kungcono ukubambelela kwiakhawunti yokuthengisa yamaSilamsi ukuze ufumane isikhokelo.

    Ndingayifaka njani kwiakhawunti yam yokuthengisa yamaSilamsi?

    Oko kuxhomekeke kwiqonga lomthengisi kodwa inkqubo ihlala ilula ngokwenyani. Uninzi lweenkampani zamkela ii-debit / amakhadi etyala, ii-e-wallets kunye nokudluliselwa kwebhanki