DUK CINIKAYYAR DA ZA'A YANKE RIBAR DA ZA'A KARBA KAFIN A FARA, BATACCIYYA CE ! - Dr Jamilu Yusuf Zarewa

*Tambaya*

Assalamu alaikum.
Malam akwai wani cinikayya na hadin-guiwa  da ake yi a DANTATA SUCCESS AND PROFITABLE COMPANY, ga yadda abin yake:

1- Zaki sa kudin ki tsawon wata shida ana biyanki duk wata, Zaki sami 40 percent (kaso arbain cikin Dari) duk wata tsawon wata shida. Misali in kin sa *N300,000* duk wata Zaki sami *N120,000* tsawon wata 6, Uwar kudin ki da riba Zaki sami *N720,000*

2- tsari Na Biyu Zaki sa kudin ki tsawon shekara Zaki dinga karbar 25 percent (kaso 25 cikin Dari Na abinda kikasa) . misali kinsa *N300,000* duk wata Zaki dinga karbar *N75,000* har tsawon wata goma sha biyu, gaba daya Uwar kudi da riba Zaki sami *N900,000*
Idan kin zabi biya daya Ne in kudin ki suka shekara zaa biyaki *N 960,000

Don Allah malam muna so a taimaka mana da hukuncin sharia game da wannan tsari, saboda mutane da yawa suna shiga ?

*Amsa*

Wa alaikum assalam
Irin wannan ciniki shi ake cewa (Mudharaba) ko kuma (Kiradh)a wajan Malikiyya, wato mutum ya bada kudi wani ya juya masa.

Saidai Wannan sigar da aka yi bayani  batacciya ce kuma haramtacciya a wajan malaman musulunci saboda ta kunshi zalunci da kuma rashin tabbas wato (Garar), da yiwuwar  cutar da daya daga cikin abokan tarayya, saboda an sanya ribar ne ta Uwar-kudi ba daga ribar da za'a samu ba.

Duk lokacin da aka shardanta riba daga cikin Uwar kudi za'a cutar da daya daga cikin abokan tarayya a ciniki saboda ribar in ta yi yawa an zalunci mai uwar kudin, idan kuma ribar ta karanta an zalunci mai juya kudin, Ibnu Taimiyya a cikin Majmu'ul fatawa (28/83) ya nakalto Ijma'in Malamai akan haramcin duk Mudharabar da ta kunshi shardanta riba daga Uwar kudi.

Ingantaccen hadin guiwa a wannan tsarin shi ne wanda za'a cimma daidaito wajan bada wani sashe na daga  abin da aka samu na riba, ba daga Uwar kudi ba.

Duk wanda ya ji tsoran Allah, tabbas zai azurta shi ta inda ba ya zato kamar yadda Allah ya fada a suratu Addalak aya ta:( 3)

Don neman karin bayani duba Al-mugni (5/28) da kuma Almausu'a Alfiqhiyya (8/116).

Allah ne mafi sani

*Amsawa*✍🏻

*DR.JAMILU YUSUF ZAREWA*

17/12/2018