Mujhe koi guide karay ga from islamic point of view?

mey paisay invest karON is mey ya nahi...i know its too much risky...but still mujhe offer hay aur mey isko consider karnay ka sooch rahi HOn only if deen kay point of view se yeh sahi hay.

forex (abb. of foreign+exchange) trading say agar aap ki moraad yeh hai k aap ghair mulki currency ki khareed o farokht k business maiN shamil hona chaahti haiN to mujhay yaad paRta hai k kaheeN maiN nay paRha thaa k currency notes say currency notes khareedna o bechna (yani iski tejarat) haram hai. islam iski ijazat nahi deta. iski wajah yeh hosakti hai.

1) islam kissi cheez ko oss waqt tak farokht karneki ijazat nahi detaa jab tak k woh shaii aap ki milkiyat maiN nah aajaye... for e.g. market maiN aik makaan 1 cror rupees ka bik raha hai. maiN nay khareed lia aur 10% down payment day kar 1 month ka time lay lia k within one month baqya payement day douNga.... issi mohlat k dauraan maiN nay iss makaan k liyeh aik aur gahak talash karlia aur ossay yeh makaan 1 cror 5 lakh maiN "bech dia".... youN maiN nay oss makaan ki mokammal milkiyat hasil kiyeh beghair ossay bech kar 5 lakh ka monafa kamaya. islam aisee trading ki ijazat nahi detaa... jabkay hamaray real estate business maiN to yeh aam trend hai... deger jaghouN par bhi aisa hota hai. jaisay car etc ki leasing par lena aur ossay agay 'own' paer bech denaa. conclusion: kissi cheez ki mokammal milkiyat hasil kiyeh beghair ossay agay bechna islam maiN mana hai.

2) ab aatay haiN currency notes ki taraf.... as u know k currency notes... asal maiN notes nahi hotay (jaisa pahlay sonay chandi ki coins howa kartay thay k coin ki material ki wohi 'maaliat' hoti thee jo oss coin par likha hota thaa. jabkay aaj currency notes k paper ki woh maaliyat nahi hoti jo oss par likha hota hai balkay yeh currency jaari karnay wali authority (as state bank of pakistan incase of pak rs) ki taraf say yeh 'zamanat.namah' howa karta hai jiss par likha hota hai k 'indul tulb hamil hazaa ko state bank xy rupees ada karega'.... it's just a legal purchi. currency notes ki apni koi maaliyat nahi hoti. ap jab tak iss notes say koi cheez physically nahi khareed letay, karobar (khareedi howi cheez ka) nahi kar saktay....

3) poranay notes k badlay nisbatan mahangay notes ya change k badlay currency or vice versa jaisay 'karobaar' (jo pak maiN aam haiN... eid etc par new notes market maiN openly biktay haiN) non-islamic hai.... aik mulk ki currency say doosray mulk ki currency ki khareed o farokht ka business bhi issi zimray maiN aataa hai, jo totally haraam hai.

4) magar yeh sawaal paida hota hai k ab to yeh naa.guzeer hai... even yeh k hujj karnay jayaiN to saudi currency khareedni parti hai... bahar jayaiN to wahaaN ki currency 'khareedni' paRti hai........ yeh aik 'sharayee majboori' hai aur naa.guzeer hai. majbooran currency khareedna aur baat hai aur 'karobaar ki gharz say issay khareed o farokht karna aur baat hai. pahli baat bah qadaray zaroorat jaiz hai aur doosri baat totally haram hai.

5) ab aik dilchasp baat yeh paida hoti hai k agar iskaa 'karobar' totally HARAM hai to iska business kaun karegaa aik muslim society maiN. aur jab koi business nahi karega to hum 'zarooratan' issay kahaaN say purchase karengay....... to iska jawaab yeh hai k aik islamic country maiN banks issay bila 'izafy qeemat' covert / exchange kia karengay. real /legal zaroorat show karkay zarray mobaadlah hasil karsakengay. banks chahaiN to thori see service fee lay saktay haiN. aur yeh bank ka asal business nahi hoga jaisay aaj hum pak currency notes banks say free exchange (poranay k badlay new yaa baray notes k chotay ya vice versa) kartay haiN... yani islamic system maiN forex ki exchange rate to hoga... khareed o farokht ki alag alag rate nahi hoga.....

wallah o alam bissawab

Bohat umdah aur maloomati jawab diya janab ne (jazak Allah). [sorry I don't have much knowledge on this issue]

Do sawal merey bhi :

1) Real Estate ke business maiN brokers jo 'commission' letey haiN wo kis zumrey main aaye ga ?

2) Kiya Money Exchange Companies sab shriyat ke roo se ghalat haiN ?

wasey money changing to ziyada ter karobar Exch. Co. / money changers kertey haiN ,,, Banks to ye lain den bohat kam kertey haiN (balkeh Pak. main to kertey hi nahi, illa ye ka aap foreign Exch. ke account holder hooN , us bank maiN)

Foreign Exchage aaj key Iqtaysaadiyaat ka ahem juz hay, iss kay baghair na tu mulki ma'eeshat chal saktee hay aur na hi iss kay baghair aaj key aalmi mandi ka koy taswar hay.

Banking ya karbari nukta-e-nazr say dekha jaye tu Currency eak kisam ka promisary note hay, ju kay hakumat key zamanat per jari hota hay, issay aaj key duniya main eak commodity kay tor per jana jata hay, German Frank ho ya British Pound, Euro ho ya Yen, US Dollar ho ya Pakistani Rupee, in sab kay utaar char'hao eak tarf tu mulki ma'esshat ka pata daytee hay dosri tarf Sonay ya chandi key taraah in ka karobaar bhi hota hay.

Jaisay kay uper kisi nay Islamic point of view say kaha hay kay Islam tab takoy cheez baichnay key ijazat nahi dayta jab tak uss per malkiyat hasil na ho jaye, i agree, per jab maiN forex ka karobar krta hoon tu main tu currency khareedta hoon aur ussay thoray say munafay per dobara baich bhi dayta hoon!!! kabhi kabar aalmi halat ya kisi dosri wajaah say nuqsaan ka ahtaymaal bhi rehta hay, balkay agr sahi assessment na key jaye tu kisi bhi commodity business key taraah iss main bhi nuqsaan ho jata hay.

munafay key shara'a ka jahaan tak taluq hay forex trade main munafa bhi dosri comodity key taraah hi hota hay, zyada munafay ka dar.o.madar economy of scale per hay, yani jitni zyada trading karain gay utna hi nafa ya nuqsaan ka chance hay.

above points key roshni mein, currency trading ka karobar kisi bhi taraah comodity trading say alag nahi.

Currency exchnage kay karobat kernay waloon ko following ka khas khayal rakhna chahiyee:

1) International Monetary Mechanism per gehri rakhay
2) Oil Prices aur Gold key prices per khas nazr rakhay
3) WTO main honay walay naye aur puranay MOUs/Agreement/contract/ per khas nazr rakhay
4) kisi bhi currency ko 5% profit/loss per sale ker dain

leader bahi nay jo sawal pochay meray bhi kuch aisay he hien...pehlay un par baat kar letay hien aur phir agay chaltay hien....itnay mey mujhe bhi properly understand karnay ka time mil jaye ga.

Es Link ko Chek Karayin By Mufti Taqi Usmani Sahab

http://www.deeneislam.com/ur/main.php?iPag...&rParent=19

App sawal bhi karsakti hai About ur problems

JazakAllah Wsalam

lekin iss link maiN forex trading par to kuch nazar nahi aayaa... agar aap ya koi aur iss topic par mustanad ulemaa ki roy pesh karsakay to nawazish hogi. jazak Allah

just apni maaloomaat k motabiq kuch arz kia hai... lekin agar koi iss roy say motasaadam ahlay sunnat k kissi authentic aalim (darbaari ulemaa.e.soo nahi) ki roy pesh karay to mujhay apni iss roy say rajoo karnay maiN koi etraaz nah hoga balkay khooshi hogi. tab tak maiN issi roy par qaa'im hopuN.

1) 'commission' to marketing maiN jaa bajaa lee jati hai aur real estate maiN bhi. commision aur fee maiN faraq hai... fee /ujrat fixed hoti hai khaah maal bikay yaa nahi jabkay commision lenay walay koi fee /ujrat nahi letay.... apni service 'free' detay rahtay haiN taawaqtekay (kissi ka) maalay tejarat bik nah jaye. sirf maal biknay par woh fareeqain (khareednay aur bechnay walay) say kissi aik say maal ki kul maaliyat ka fixed %age ( real estate maiN 1-2%) wasool kartay haiN.

commision lenay wala broker /dalaal kahlata hai jo apna nahi balkay kissi 2nd party ka maal (apni milkiyat maiN liyeh beghair) kissi 3rd party ko farokht karta hai / farokht karnay maiN help karta hai......... aslan to islam dalaali / brokery ko encourage /pasand nahi karta......... lekin meri maloomaat k motabiq yeh mamnoo /haraam bhi nahi. kafi deen daar log bhi real estate business say wabistah haiN... albatta as i said above, down payment par koi property layker agay mahangay daamouN bech dena allowed nahi.... yaani koi cheez ki fully milkiyat hasil kiyeh beghair aap ossay agay bech nahi saktay......... albatta kissi ki darkhaast par oski property k liyeh buyer talash kar saktay haiN, del maiN help karsaktay haiN... iss soorat maiN asal deal /agreement maalik aur buyer k darmayan hi hota hai aur dounouN mahaz 'helping fee' k taur par commission detay haiN agent ko jo jaiz hai, meray khayaal say.

2) yeh sawaal to aisay hi hai jaisay maiN aap say poochouN k kia pakistan maiN saray banks ghalat haiN? 2 Tok jawaab / fatwa nah to aap day saktay haiN nah maiN albattah both of us know k agar bank ka major business sood par mushtamil ho to aisi banking ko islam allow nahi karta . issi tarah currency say currency note ki khareed o farokht bhi allowed nahi hai. yeh roy hum aur aap jaisay indivisual k liyeh kafi hai k agar hum iss say muttafiq haiN to iss say avoid karaiN. baqi exchane co walay janaiN. albatta agar aap ka bhi koi aisa business hai to foran kissi mufti say rajoo karaiN.

existing ecconomic sytem (including in pak) ki bhari portion islam maiN allowed nahi.. lekin hamara aur aap ka masla nahi. yeh to leaders /hukmaranoun aur ulema ka maslah hai k woh iss say bachnay ka raastah batayaiN.

Jazak Allah A.A.

You rightly said ke ye humara mas'ala nahi, lekn aik sense main hai bhi...kiya aap ki nazar Forex Co. ke koi mutabadil (alternate) nizam ke khad.o.khal ke hawaley se koi mazmoon guzra hai ?

bahoot saray "business" 'ghair-haqeeqi' hotay haiN, jina wahid maqsad mahaz zeyadah say zeyadah maal kamana hota hai. islam aisay jumlah 'ghair-haqeeqi-tejarat' ko discourage karta hai, agar woh HARAM nah bhi houN to........... jaisay beauty-clinics ka kaarobaar 'ghair-haqeei' hai jiskay society maiN manfi asraat morattab hotay haiN......... khawateen ki khud ko khoob.soorat bannay ki 'real-zaroorat' general medical clinics maiN bah khoobi poora hosakta hai aur female doctors amraaz k elaaj k saath saath 'beauty-tips etc' bhi zimnan faraham karsakti haiN. iss tarah 'beauty-industry' farogh nahi payega aur females 'maalay tejarat' k taur par mukhtalif industries ko 'supply / farokht' nahi hongi.

forex ka motabaadil already maujood hai........ saray bank-brances apna aik forex-counter khol saktay hain jahaaN say account holders ko onki 'real-zaroorat' k motabiq foreign currency mil sakti hai, bila kissi ezafi qeemat k.... jab open market maiN foreign currency ki nah business hogi nah talab to koi bhi faltoo zarray mobaadlah hasil hi nahi karega nah iski black-marketting hogi........... magar yeh sab kaam bhi hakoomat k karnay k haiN... hamaray aur aap k nahi.

Thanx again..

Aap bar bar 'ball' hakoomat ke court main phaik rahey haiN...

yeni sab se pahley aik 'Islami' hakoomat ka hona zaroori hai (us ke beghair koi doosri hakoomat to ye kam kereny se rahi)

So, let's try to establish a real Islamic govt. !

Assalam-o-alaikum

Jee Adnan Bhai Es Main Forex Say Mutaliq Koe Rayy Mojoodh Nahi Mager Baqi Baray Tawajja Talab
Maslay Moojudh Hain Jin Ko Ghoor Say Parhnay Say InshahAllah Tijarat Or Intrest K hawalay Say
Masail Ko sumhajnay Main Asani Hogi Or Es leyh Bhi Dea k Jinho Nay Topic Laga K Help Chahi Hai Woo By Mail Bhi Apna Pura Masla Poch Sakayin Mujhay InshahAllah Jessay He Forex Trading k Baray Main Kuch Milayga App sab Say Share Karonga..

Tc

Allah Hafiz

AOA

JahN tak meray ilm mey baat hay aaj kal real estate walay ya jo investors hotay heIN woh yeh kaam kartay hien malkiyat mey liye begiar agay baich kar paisay kamana. mey fil waqt aaj kal kay hisab se aap ki baat maan leti hOn magar meray ilm mey kuch buzorgoN ki baatieN hein jinhonay nay aaj se 50 saal pehlay dukaandari mey bhi yehi asool apnayaa hoya tha.

yani udhaar mey cheese lena ya kuch paisay lay kar cheese khareedna aur phir profit hasil karnay kay baad bakayaa raqam adaa karna islam mey jaiz nahi...yeh chese toh bahoot aam hay , woh looG bhi yeh kaam kartay hieN jo hur soorat mey halaaaL rozee roti ko tarjeeH detay heIn.. Aam adami ko yeh baat kio nahi malOOM....

aap mujhe ko reference dey saktay hien kisi hadith ayat ya tafseer ka?

yahaN par apnay currency notes wagera ki baat ki hay...samjh toh mujhe poree nahi aaye.mujhe bataye currency notes kay huwalay se forex akhir karta kya hay?

iska oil ki keemat se kya taluk hay ? forex trading walay is sab process ko bussiness aur economics kay sense mey letay heIN.......

oil ki keemat bharti hay toh dollar neechay girta hay.......who are those people jo yeh sab economy ko control kar rahey hotay heiN. bahoot baray economist ya dosaray lafzoN may baray magarmach?

mera khayaal hai k yahaaN aap ko kuch mughaaltah howa hai ... down payment yaani kuch naqad baqayaa odhaar par maal khareednaa aur phir maal bech.kar odhaar chukanaa ... yeh mana nahi hai......... aur aisa to har business maiN hota hai....

mera kahnay ka maqsad yeh thaa k 'maalay tejarat' apni milkiyat maiN hasil kiyeh beghair (jabkay abhi maal, asal maalik k paas ossi ki milkiyat maiN haiN)... mahaz asal maalik say maal khareednay ka WADA karkay ossay kuch raqam as bee.aa.naa day ... kar ... asal maalik k ilm main laaye beghair osskay maal ko aagay bechnaa .... islam issay discourage karta hai... i don't know k yeh HARAM k darjay maiN hai yaa nahi. but it is discouraged in islam............. yehi kaam estate k elawah vehicles ki leasing maiN bhi chal raha hai 'own' k naam say.... aik aadmi 100 vehicles 9manufacturers say 'book' karleta hai ... ab jab koi real buyer vehicle khareednay jata hai to car company kahti hai k aglay 1 saal tak ki to bokking hochuki hai. agar aap aaj booking karwaengay to 1 saal baad delivery milegi.......... albattah agar fauran car chahiyeh to falaaN sahab say mil laiN onkay pass pahlay say ki howi booking hai woh aap say (say) 1 laakh rupee 'own' lay kar apni booking aap ko day dengay....

hope baat clear hogayee hogi... totally odhaar lena yaa juzwi odhaar par maal lay kar bechna HARAM nahi

'forex company' bunyadi taur par mukhtalif mulkouN ki currency bechti aur khareedti hai. aik hi currency sustay daamouN khareedti hai aur mahangay daamouN bechti hai aur profit kamati hai. yaani har mulk ki currency ki same day/time qeematay khareed aur hoti hai aur qeematay farokht aur....



masalan agar aap 26-04-08 ko 100 $ khareednay jayaiN to aap ko pak Rs 6530 denay parengay.... issi tarah same day/time agar koi apnay 100 $ bechay to ossay 6510 pak Rs. milengay.... S currency k iss khareed o farokht maiN forex co ko Rs 20 ka monafa hoga. forex ka 'asal' business to yehi tha (aur hai) k currency k tabadlah (exchange) say 'nafa kamayaiN. islam iss cheez ko allow nahi karta k aap kaaghaz k note say kaaghaz k note ko khareedaiN / bechaiN. is it clear?

forex ka doosra zimni source of income ... currency notes ki maaliyat maiN ezafah say hai. jaisay forex company nay aaj 100 $ pak Rs 6510 maiN khareedaa aur issay chand roz tak apnay paas rakha. issi dauran $ 'mahanga" (kissi bhi wajah say) hogayaa aur 100 $ ki qeemat (say) Rs 6610 hogaye to co k $ dollar paray paray 100 rupees ka faidah hogaya. aajkal currency notes specially $ bhi stock exchange k share ki tarah tezi say ooper neechay hota rahta hai.... yeh forex ka zimni business hai go ajkal issi say zeyadah faidah /nuqsaan horaha hai........... chouNkay forex co ka asal karobar hi anti islamic hai lehaza iss karobaar maiN hissa dar bannay (sarmaya kaari) bhi anti islamiuc hogi.

agar aap ghaur say dekhaiN to iss qism ki sooratay haal maiN aik fard ko agar 100 ka faidah hota hai to saath hi saath kissi nah kissi ko 100 ka nuqsaan bhi hota hai. vehicle maiN own-systemm maiN bhi agar own lenay walay ko lakh ka faidah hota hai to buyer ko lakh ka loss hota hai real estate maiN above mamnoo.aa soorat maiN agar dallal ko 5 lac ka faidah hota hai to asal maalik ko 5 lac ka loss hota hai............. lehaza islam aisee tejarat ko, jo hawayee ho... asal maal k badlay raqam ya vice versa nah ho.... discourage karta hai... balkay mera khayaal hai k HARAM hi hai. taham asal FATWA to muftiyaanay karaam hi day saktay haiN yaa shayad day chukay haiN. but i don't have refernces.

abu adnan bhai here is some rullings of shaikh salih al munjajid


Question:
I would like to know about investment in curreny (FOREX Market). Like now a days, its very common that people invest in Euro to earn profits. One broker keeps on calling me to invest USD in Euro. Is trade in currency halal?.

Answer:
Praise be to Allaah. Dealing in currencies is permissible so long as the exchange takes place in the same sitting as the contract is made. It is permissible to sell euros for dollars so long as the exchange takes place in the same sitting as the contract is made. But when the deal is concerning the same type of currency, such as selling one dollar for two dollars, that is not permissible because it is a type of riba. In that case they should be of equal amounts and the exchange must take place in the same sitting as the contract if the exchange is concerning one type of currency. The evidence for that is the report narrated by ‘Ubaadah ibn al-Saamit (may Allaah be pleased with him) who said: The Messenger of Allaah (peace and blessings of Allaah be upon him) said: “Gold for gold, silver for silver, wheat for wheat, barley for barley, dates for dates, salt for salt, like for like, same for same, hand to hand. If the types are different then sell however you like, so long as it is hand to hand.” Narrated by Muslim, 1587.

It says in Majmoo’ Fataawa Ibn Baaz (19/171-174):


The ruling on currency is as mentioned above; if they are different then it is permissible for the amounts exchanged to be different, so long as the exchange takes place in the same sitting. If they are of the same kind, such as dollars for dollars, or dinars for dinars, then the exchange must take place in the same sitting and they should be of the same amount. And Allaah is the source of strength. End quote.

here is some more questions and answers

http://islam-qa.com/index.php?ref=93334&am...forex%20trading

http://islam-qa.com/index.php?ref=106094&a...forex%20trading

Jazak Allah khairaaN... baat wazah aur clear hogayee hai.

1) same currency ko mahangay rates par nahi farokht karsaktay. like Rs. 100 k new notes k bundle (total maaliyat = 10,000) ko iss ki asal maaliyat say zeyadah par nahi becha jasakta.

2) aik currency ko doosri currency say khareeda aur becha jasakta hai. bah shartekay yeh hand-to-hand ho ... yaani kissi dalaal /broker ki maarfat khareed o farokht nahi ki jasakti.

3) above fatwa maiN same currency k 2 rates (qeematay khareed aur qeematay farokht alag alag) ka koi tazkira nahi. osoolan yeh dounouN rates same honay chhaiyeh. albatta forex company service charge k naam par fee alag say wasool karsakti hai customer say khaah woh khareednay aaye yaa bechnay.

plz comment on above conclusion, if any point is wrong.

agar mey forex trading ko summarize karON toh it means yeh saree riba par base kar rahi hay...? coz hand to hand aur aik sitting mey toh yeh hoti nahi.

JazakAllah Khair. i think aap na sahi conclusion kia. point no 3 per mere khayal sa qematay khareeb aur qeeemtay farokht alag hoosakti (i dont know about ulma) kyunka yahan currency aik commudity ki hasiaat hasil hoo rahi aur yeh sab jagah aik smooth increase hai.

hand to hand ka matlab yeh hai ka jaisa hi aap purchase karain woo aap ki malkiat mai ajaye, aur aik sitting yeh ka aap na future ki bunyad per koi deal nahi ki aur jiss waqt deal hui ussi waqt aap ka hisab sa aap na purchase ki aur aap ki malikiat mai bhi agaye wo. waisa aap jo invest karna ki baat kar rahi uss ki details aap bata sakain?just for the sake of information kyunka forex trading mai aaj kal kafi cheezain hoo rahi hain..

yeh just meri roy thee. i also don't know k ulemaa ki kia roy hai....

i dont know much means i think dollar denay hotay hein aur uskay hisab se lots & pips ka koi chakkar hota hay...un se phir aap ahista ahista nafaa kamanay kay lye koi na koi currenct e.g euro khareedtay aur baichtay ho.....

baseless points lagtay hain yai.

Currency note note owner ki hi malkiyat hota hai chahay hum usay aag lagayen, chahay phaar kar phaink dain chahay kheraat kar dain. wo hamari malkiyat hai.

currency ki khareed'o'farokht shari'i tijarat main aata hai agar koi is point ko deny kar sakta hai to valid reasons k sath deny karay. or quran o hadees say koi aisi example laaye jis say pata chalay k currency trading islami asoolo'n k khilaf hai

humm. i think ka pips to difference between bid and ask price ko kehta hain..

let see shayed kissi ko maloom hai complete procedure

any new theory ?

Meray khiyal mein aisa kerna jaiz hey, koi mustanid fatwa?

maine is topic ki Post #26 main 1 question poocha tha... agar tasalli bakhsh jawab mil jata to hamare ilm main kuch izafa hota