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فتوى شرعية التعامل بالفوركس



في ما يلي نص الفتوى التي تجيز التعامل بالعملات بحسب نظام المارجن المعمول به في الفوركس . وهذه الفتوى صادرة عن أ . د . علي محي الدين القره داغي ، أستاذ ورئيس قسم الفقه والأصول بكلية الشريعة في جامعة قطر.
مصدر الفتوى : موقع إسلام اونلاين . تحت العنوان التالي :
السؤال
ما حكم المعاملة المالية التالية ؟ أقوم بالتجارة في البورصات العالمية (لندن / نيويورك / هونج كونج ) بشراء وبيع العملات والمعادن عن طريق وسيط مالي بنظام المارجن ( Margin ) حسب القواعد التالية :
1. يتم فتح حساب لدى الوسيط المالي في بنك في أمريكا، حيث أضع مبلغ ( 10000 دولار ) . 2. أقوم بشراء / بيع العملات والذهب بواقع ( 2000 دولار لكل صفقة ) حيث يتم تقسيم المبلغ (10000 ) إلى 5 صفقات، ويقوم الوسيط المالي بتزويدي بباقي المبلغ لكل صفقة بحيث أشارك بمارجن (20 % ) على سبيل المثال من قيمة الصفقة، والوسيط المالي يقوم بدفع الباقي، ويتم تسجيل الصفقة باسمي، حسب سعر السوق المبين على شاشات تداول الأسعار بيعاً أو شراء . 3. أنتظر الأسعار لتصبح في صالحي ربحاً، وأقوم ببيع الصفقة / الصفقات، وتُوضع قيمة المعاملة في حسابي في البنك، وأقوم بدفع مبلغ (واقوم بدفع مبلغ يتراوح بين 3 و 35 دولارا بحسب العميل الذي اختار التعامل معه) عند البيع عن كل عملية تم إنهاؤها للوسيط المالي بغض النظر عن كوني ربحت أم خسرت، ولكن لا يأخذ الوسيط مني أي عمولة عند عملية الشراء . 4. لا يتحمل الوسيط المالي قيمة الخسائر الناتجة عن التعامل بحيث أقوم أنا بتحمل جميع ما ينتج عن ذلك والمخاطرة بقيمة المبلغ الذي قمت بدفعه (2000 دولار ) لكل صفقة، ويمكنه تغطيتي والاستمرار في التعامل ما دام في حسابي ما يغطي قيمة الخسائر، وإذا لم يكن هناك ما يغطي الخسائر يقوم هو ببيع الصفقة مباشرة إذا تجاوزت قيمة الخسائر (2000 دولار ) وآخذ (العمولة) أيضاً عن عملية البيع مع الملاحظة أيضاً أنه لا يأخذ شيئاً من الأرباح في حالة الربح عند البيع، ولكن يأخذ عمولته فقط . 5. مبلغ (10000 دولار) الذي أملكه لا يكفي لتسديد جميع قيمة الصفقة الواحدة؛ ولكن أدخل السوق بمساعدة الوسيط المالي في مقابل عدم ربحه أو خسارته، ولكن مقابل عمولته. ويكون هو بذلك قد وفر لي فرصة التعامل في السوق عن طريقه . 6. أعرف أن الفيصل في تعاملات الذهب والفضة والعملات هو: أن تكون يدا بيد، وألا يبيع المرء شيئاً لا يملكه. وأنا ملتزم بذلك وأيضا لا آخذ فوائد من البنك في حالة بيع الصفقات ووضع المال عنده خلال الليل، حيث يعطيني فوائد على ذلك ولكنه يأخذ مني فوائد عند حصول عملية شراء تبييت المال بالليل في البنك. فما حكم ذلك إن حصل، مع حرصي على عدم تبييت أي صفقة بيعًا أو شراء حتى لو حدثت خسارة لتفادي موضوع دفع أو أخذ الفوائد ؟ 7. في كون تلك المعاملة غير جائزة شرعا بسبب عدم امتلاكي لجميع قيمة الصفقة. فهل تصبح جائزة عند امتلاكي للمبلغ في حسابي ولكن لم أدفع القيمة كلها ودفعت جزءا والوسيط المالي قام بدفع الباقي أم تصبح جائزة عندما أقوم بدفع كامل قيمة الصفقة وحدي دون تدخل الوسيط معي، ويكون دور الوسيط في تلك الحالة هو توفيره الدخول للسوق وبيان الأسعار والتحليلات المالية في مقابل عمولته ؟ أرجو الإفادة .
الجواب
لا شك أن التعامل في العملات من أصعب المعاملات المالية في الفقه الإسلامي؛ حيث يشترط فيه التقابض في المجلس، وهو ما سماه الرسول (ص): (يدا بيد). ولكن الفقهاء المعاصرين اعتبروا تسجيل المبلغ في الحساب البنكي بمثابة القبض، وبذلك صدرت القرارات والفتاوى الجماعية؛ ولذلك فمن أهم شروط التعامل بالعملات ما يلي
1) أن يتم البيع والشراء بصورة فورية وليس فيها شرط التأجيل.
2) أن تدخل العملتان وتسجلا في حسابي البائع والمشتري.
3) أن يدفع ثمن الصفقة بالكامل دون أي تأخير.
4) ألا يكون هناك فائدة في إجراء هذه الصفقات، فإذا وجدت أي فائدة ربوية فإن العقد فاسد وباطل ومحرم.ـ ولذلك فالسبيل الوحيد للخروج من هذا المحرم أحد الأمرين:ـ إما أن يشتري الإنسان بقدر ما عنده من نقود، أو يأخذ قرضا بدون فائدة من الوسيط، كما أنه لا يأخذ أي فائدة ربوية من نقوده.

تحميل اغنية الراب كلنا غزة من فرقة حظ سىء Badluck

 
حمل اغنية الراب كلنا غزة من فرقة حظ سىء Badluck 

- Badluck 

اغنية كلنا غزة



~ الوصف ~

بعد جميع الصرخات التي نادت غزة , تنادي اليوم فرقة " الحظ السيء "من قلب بيت لحم بالاشتراك مع الفنان " شادي - Shadow " لـ غزة ,
والاغنية تلخيص للوضع بغزه مع اخر التطورات .. 








تحميل لعبة فارم فرينزى اخر اصدار Farm Frenzy - Pizza Party

حمل لعبة فارم فرينزى اخر اصدار Farm Frenzy - Pizza Party
لعبة Farm Frenzy - Pizza Party! 

الغلاف



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حمل لعبة المقاتلون الاحرار Freedom Fighters


حمل لعبة المقاتلون الاحرار Freedom Fighters


للتحميل







طلب تصريح خروج من المنزل

 

 

طلب تصريح خروج من المنزل رقم (       )

 

 

 

زوجتي الحبيبة؛؛؛؛؛؛؛

إنا زوجك الموقع أدناه، و اسمي هو -------------------------------------------

أرجو منكم موافقتكم الكريمة على طلب تصريح خروجي من المنزل في

 يوم: ----------- الموافق --- / --- / ---- من الساعة ------ إلى الساعة ------

وذلك للأسباب التالية:-

1-  ----------------------------------------------------------------------------

2-  ----------------------------------------------------------------------------

3-  ----------------------------------------------------------------------------

كما أتعهد لكم بصفتكم السلطة العليا بالمنزل بالعودة في الوقت المحدد حسب التصريح

متحملاً أية عقوبة تنص عليها لائحة العقوبات أدناه.

 

                                    التوقيع ( الزوج ) --------------------------

 

خاص للاستعمال الرسمي ( الزوجة فقط )

بعد الإطلاع على طلب تصريح الخروج من المنزل والمقدم من زوجنا الحبيب

وبالنظر إلى مبررات الخروج أعلاه، وملف زوجنا الحبيب، ولائحة العقوبات أدناه

أمرنا نحن الزوجة ----------------------وبصفتنا السلطة الداخلية العليا للمنزل بالاتي:   

   ¦  بالموافقة على طلب تصريح الخروج من المنزل والمقدم من زوجنا الحبيب

¦   بعدم الموافقة على طلب تصريح الخروج للأسباب التالية:-

  r  لسريان تنفيذ البند رقم (  ) من لائحة العقوبات أدناه 

r  لطلبنا منه الجلوس عند الأطفال عند  خروجنا من المنزل

r    نظراً لتجاوزه الحد الأعلى من التصاريح                 r لمخالفته لأوامرنا  

r    مزاجنا هذا اليوم ليس مؤهل للسماح بخروج زوجنا   r لأناقته الزائدة عن اللزوم عند الخروج    

 

   التوقيع ( الزوجة ) : -----------------------                               التاريخ --- / --- / ------ هـ

 

لائحة العقوبات

بند 1 – نوم انفرادي وبدون عشاء ولمدة (      ) يوم

بند 5 – قطع المصروف اليومي ولمدة (      ) يوم

بند 2 – حرمان من الحقوق الزوجية ولمدة (     ) يوم

بند 6 – منع المكالمات الهاتفية في المنزل ولمدة (     ) يوم

بند 3 – العبوس صباحاً والتكشير مساءً ولمدة (    ) يوم

بند 7 – سحب النقال واللاب توب ولمدة (      ) يوم

بند 4- توصيل الأطفال من وإلى المدرسة ولمدة(    ) يوم

بند 8 – زيارة أم الزوجة يومياً ولمدة (      ) يوم

بند 9 – المنع من مشاهدة القنوات الفضائية ( المستقبل + LBC  ) ويلزم مشاهدة القناة السودانية ولمدة (      ) يوم

 

 

School Loan Consolidation Benefits

School Loan Consolidation, will it really help you?

School loan consolidation offers many benefits-even if you’re currently making your monthly payments without any difficulty. Here are some key of the benefits
Make loan payments to a single lender ::By doing school loan consolidations, you can make monthly bill paying easier, with a SINGLE payment to ONE lender.Reduce monthly loan payments ::School loan consolidation will help to ease the pressure on your monthly budget by reducing your monthly payments by 10% – 60%!Inprove your credit score ::By going in for school loan consolidation, you will help your credit scores and debt-to-equity ratio, both key factors if you’re looking to purchase or refinance a home. Re-use saved money to pay high-rate debt::You can save money and pay off high-rate debt, such as credit cards.

Who are eligible for school loan consolidation?

You need to meet certain criteria for school loan consolidation. Check for these things.
Both school students and parents can cosolidate::Both school students and parent borrowers can consolidate their borrowings. However, students and parents cannot combine their loans through consolidation, since only borrowings from same borrower can be consolidated. But, students and parent can consolidate their borrowings separately.Married students, cannot consolidate loans with spouse ::Married students can no longer consolidate loans with their spouse. When married students consolidated their borrowings together, each spouse became responsible for the full amount of the loan, and the loan could not be separated if the couple got divorced.Timing of consolidation ::School students can consolidate borrowings during the grace period or after the loan enters repayment. Students can no longer consolidate while they are still in school.School students with loans default ::Loans which are in default but with satisfactory repayment arrangements may also be consolidated.

Which Loans Can be Consolidated?

You can consolidate any federal education loan, even a single loan. However, there are, a few restrictions.
Loan consolidation can be done once only ::You can consolidate school loans only once. In order to reconsolidate an existing consolidation, you must add loans that were not previously consolidated. You can also consolidate two consolidation loans together. But you cannot consolidate a single consolidation loan by itself.Ability to switch lenders is limited ::The ability to switch lenders is limited due to the restrictions on consolidating a consolidation loan limit. Generally, you will consolidate your borrowings once, toward the end of the grace period or after the loans enter repayment, and then be locked into that lender for the lifetime of the borrowing. If you want to preserve your ability to consolidate in the future to switch lenders, you should exclude one of your loans from the consolidation.

What to look for in a lender?

All lenders are not created equal, so pay close attention to your options when making a selection for school loans consolidation vendor.
Is lender proven ::Look for a lender with long experience in doing school borrowing consolidations.Variety of options and benefits ::The lender who will consolidate your school borrowings should be able to provide you variety of benefits, apart from low rates. Benefits of school loans consolidation include - interest rate reductions with on time payments, flexible repayment and deferment options.Long term relationship ::Your school loans consolidation lender can finance you in other aspects. You may need to borrow money to go to college after school, establish your business, or need help getting a head start on retirement planning.Loan processing time ::The school loans consolidation vendor must process your loan quickly and without any hassles.Online processing ::School consolidation lenders with online application forms, help and support will save you time and they are available 24 X 7!

أغنية محمود العسيلى أصعب حاجة 2009

 أغنية محمود العسيلى أصعب حاجة من البومه القادم 2009
محمود العسيلي ــــ أصعب حاجة 
كاملة ــــ من الألبوم القادم






للتحميل 






أغنية For Ever Palastine سامي يوسف

حصرياً

أغنية

For Ever Palastine

سامي يوسف

أغنية لغزة


تحميل أغنية For Ever Palastine سامي يوسف


Sami Youssef - ForEver Palastine




صوره سامي يوسف

Sami Youssef


روابط التحميل










البوم سامى يوسف الجديد WithOut You



البوم

WithOut You

سامى يوسف

Sami Yusuf - WithOut You


تحميل البوم سامى يوسف الجديد WithOut You



صوره سامى يوسف - بوستر البوم سامى يوسف الجديد WithOut You


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هانى شاكر & يارا هوا ياهوا 2009




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California Car Insurance Quotes -0.15%
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Individual Voluntary Arrangements
Contact Centre Solutions +0.36%
Volunteers Of America Car Donation -2.25%
Online Auto Insurance Quote -0.03%
Auto Insurance Online Quote -0.03%
University Of Phenoix Online +0.6%
Refinance Loans +0.06%
Loans Refinance +0.06%
Auto Insurance In New Jersey +0.42%
Capitalone Co Uk -0.09%
Home Refinance Calculators +0.91%
Bad Credit Equity Loan -1.15%
Equity Loan Bad Credit -1.15%
Refinance Mortgage Interest Rates +0.03%
Discover Card Rewards +1.8%
Mortgage Interest Rates Refinance +0.03%
Progressive Car Insurance Quote +0.78%
Low Home Equity Loan Rates -0.71%
School Loan Consolidation -0.06%
Mortgages For Self Employed -0.45%
Michigan Trial Lawyers -0.71%
Discover Clear Card -0.6%
Home Equity Line
Equity Home Line
Find Home Insurance +4.26%
Mortgage Loans For Poor Credit +1.59%
Home Equity Loan Rates +0.03%
Discover Merchant Account -0.63%
Mortgage Refinance Quotes +0.33%
Top Web Hosting Sites
Donate Used Cars +0.09%
Compare Car Insurance Prices -0.15%
Self Certified Mortgages +0.91%
Personal Injury Attorneys +0.06%
Attorneys Personal Injury +0.06%
Orange County Tax Lawyer +1.31%
Commodities Futures Brokers -0.69%
Audience Polling -0.21%
Offer Of Compromise -0.27%
Donate Car
Jury Consultant +1.01%
Car Donate
Refinancing My Home +0.24%
Consolidate Loan +0.21%
Car Accident Lawyers -0.03%
Instant Auto Insurance Quotes +0.67%
Exchange Hosting +0.39%
Refinancing Mortgages +0.09%
Mortgages Refinancing +0.09%
Quick Car Insurance Quotes
Refinance Home Mortgage Loans +0.15%
Home Mortgage Refinance Loans +0.15%
Illinois Dui Penalties +0.64%
Nj Home Equity Loans -0.72%
West Virginia Personal Injury Lawyer +2.13%
Allstate Insurance Agency -0.15%
New York Accident Lawyer +0.21%
Exchange Email Hosting -0.18%
Accident Lawyer New York +0.21%
Bank Of America Home Loan -0.66%
Refinancing Mortage
Tree Lending -0.12%
Mortage Refinancing
Lending Tree -0.12%
Countryside Home Loans -0.78%
Discover Card Scholarships -0.84%
Denver Personal Injury Lawyers +0.37%
Refinance Home Mortgage Interest Rate +0.18%
Tax Attorney Los Angeles -3.24%
Angeles Attorney Los Tax -3.24%
Donate Car Nj -0.48%
Countrywide Mortgage Lender +0.7%
Nj Auto Insurance Companies +0.37%
Criminal Lawyer New York -0.24%
Cover Critical Illness Insurance +0.12%
California Culinary Schools +0.03%
Culinary Schools California +0.03%
Best Home Mortgage Rates -0.91%
Pheonix University Online +0.15%
Direct Insurance Line Pet +0.06%
Hard Drive Recovery -0.03%
Home Equity Loans Nj -1.44%
Florida Personal Injury Lawyer +0.09%
Accident Attorneys New York City +0.37%
Personal Injury Lawyer Florida +0.09%
Refinance My House +0.46%
Bad Credit Home Loan Refinance +2.21%
Texas Dwi -0.15%
Dwi Texas -0.15%
Online Commodity Brokers -0.06%
Automotive Insurance Quotes -0.24%