MarlboroGold wrote:I taj na videu je to lijepo upakovao, ali kad se uđe malo dublje... ne vidim ni da zrači nekim znanjem iz ekonomije na videu, već onako laički objašnjava. Pretpostavljam da je to iz razloga kako bi svi mogli shvatiti.
Ne ide to matematicki - imas 10 maraka i posudjujes 10 maraka i cak da si prilagodis inflaciji nema rasta.A sada kako ces nazvati uzimanje para - kamata ili provizija ili odbotal dobitak sta vec .. tehnikalija koja zavrsi na tome da moras platiti vise. Ekonomski bankama je nemoguce bez kamate ziviti.
a) Ijara: Here, the bank buys an asset on behalf of the customer and leases it out to the same customer. Ownership of the asset remains with the bank, which is also responsible for its maintenance. The lease agreement is made for a certain period and after the time period gets over (and all the lease is paid off); the asset is transferred to the customer.
Znaci dobijes pare oni kupe na sebe objekt pa ti iznajmljuju (po svojoj cijeni) pa kada otplatis onda prepisu ti objekt
b) Murabaha: Here the bank acts as an intermediary and buys an asset like motor vehicle. This property is then sold to the customer at cost plus profit which is known and agreed. The customer pays back the value in deferred payments.
Oces motor banka ga kupi pa ti proda po “dogovorenoj cijeni” pa kada otplatis postaje tvoj
d) Salam: As per the Salam structure, the Bank pays a purchase price to the customer for an upfront purchase of a fungible commodity which will be delivered on a deferred basis by the customer. The commodity that is to be delivered to the Bank will be purchased by customer through a commodity broker and the Bank in turn, will assign another commodity broker to sell the commodity.
Banka kupi nesto od tebe po jednoj pa proda po drugoj cijeni
naravno mislim da tu moras da finu cijenu dadnes
A Tawarruq (literally "turns into silver",[327] or "monetization")[207] contract/product where the client/customer can raise cash to be repaid later by buying and selling some readily saleable asset. An example of this would be a customer wishing to borrow $1000 in cash having their bank buy $1,100 worth of a commodity such as iron from a supplier, buying the iron from the bank on credit with 12 months to pay the $1100 back, immediately selling the metal back to the bank for $1000 cash to be paid on the spot. The bank resells the iron to the supplier. (This would be the equivalent of borrowing $1000 for a year at an interest rate of 11 per cent.)
Bitno je da je halal i nema kamate
Ta nisu dobrotvorne ustanove.
