1963-dii ayaa bangigii u horreeyey oo ku shaqeeya nidaamka maaliyadeed ee Islaamka laga furay magaalda Mit-Qamar ee dalka Masar. Inkastoo bangigaas markiiba irdaha la isugu dhuftay, arrimo siyaasadeed darteed, haddana, muddadii yarayd ee uu shaqaynayey, sagaalkiisii laamood, waxay soo jiiteen macaamiil sare u dhaafaysa hal milyan oo qof.

Chapra (2001) wuxuu tilmaamaa in bangigaas iyo labadii isku day ee ka horreeyey, oo midna laga hirgeliyey dalka Pakistan midna Malaysiya, ay dumiyeen darbigii khiyaaliga ahaa ee muslimiinta ka hortaagnaa yagleelidda nidaam maaliyadeed oo ku salaysan shareecada Islaamka Duminta derbigaas khiyaaliga ah waxaa xigey yagleelidda bangiyo ka baaxad weyn bangigii hore.

Bangigii u horreeyey, ‘Duba Islamic Bank’, waxaa laga taagey magaalada Dubai ee Isutagga Imaaraadka Carabta (UAE) sannadkii 1975-tii. ‘Faisal Islamic Bank’ ayaa isna laga aasaasay Masar iyo Suudaan sannadkii 1977-dii. ‘Islamic Bank of Jordan’ iyo ‘Islamic Bank of Bahrain’ ayaa iyana irdaha loo furay sannidihii 1978 iyo 1979-kii.

Yagleeliddii Bangiga Horummarinta Islaamka (IDB) sannadkii 1973-dii ayaa isna culays weyn ku soo kordhiysey hammigii la rabay in lagu dhiso nidaam maaliyadeed oo ku salaysan shareecada Islaamka.Soo if-baxaas, bagiyada Islaamka, waxaa dhinac socday baraarug siyaasadeed.

Tusaale ahaan, shirkii wasiirrada arrimaha dibedda ee dunida Islaamka ee lagu qabtay Dakar, Senegal, bishii Abriil ee 1978-dii, waxaa la soo jeediyey in dunida Islaamku si qunyar-qunyar ah u hirge liso bangiyo Islaami ah. Sidoo kale, shirkii wasiirrada arrimaha dibedda ee Islaamabaad, Pakistan ee May 1980 waxaa la soo bandhigay tallaabooyinkii la qaadi lahaa si loo meel mariyo qaraarkii 1978-dii la gaaray.

Shirkii saddexaad ee dunida Islaamka ee lagu qabtay Makah iyo Daaif, Sacuudi Carabiya, 1981-kii waxaa isna la isla qaatay, si xiriir ganacsi iyo wadashaqayn u dhexmarto dunida Islaamka, in dunida Islaamka dhammaan laga hirgeliyo bangiyo Islaami ah. Sida uu soo guuriyo Warsame (2007), Aljeeriya, Sacuudi Carabiyo iyo Soomaaliya ayaa hormuud ka ahaa dadaalkaas lagu baadigoobayey sidii dunida Islaamku u yeelan lahayd nidaam maaliyadeed oo waafaqsan shareecada Islaamka.

50 sano ka gadaal, hey’adaha ku shaqeeya nidaamka maaliyadeed ee Islaamku (Islaamic financial system), waxay madaxa la sii gelayaan 1,300 oo hey’adood; ku baahsan yihiin wax ka badan 100 waddan; gacantana ku hayaan hanti sare u dhaafaysa 2.1 triliyan (2 trilliyan iyo 100 bilyan USD). Sida ay soo bandhigto Ernst and Young (2012), hantidaasi sannadka 2013-ka waxay madaxa la dhaafi doonto $2.5 trilion, inta ka horraysa 2017-kana waxay madaxa la dhaafi doontaa 5 tiriliyan ($5 trillion).

Koboca iyo faa’iidada hey’adaha ku shaqeeya nidaamka Islaamku waxay sidoo kale sidii birlabtii u soo jiiteen bangiyo iyo hey’ado badan oo reer Galbeed ah. Tusaale ahaan, 2008-dii bangiyo aan ka yarayn 191 ayaa furay laamo ku shaqeeya nidaamka maaliyadeed ee Islaamka (Islamic window). Waxaa sidoo kale markii u horraysay bangiyada Islaamka laga dhex furay waddammo aan laga filayn in bangiyada noocaas ahi ka hirgeli karaan.

Meesha bangiyada ku shaqeeya nidaamka ribada qaar badani suuqa ka baxeen (kaceen) , qaar kale la qarameeyey, qaar kalena taageero xoog badan la geliyey, tirakoob dhowaan la soo saaray ayaa muujisay in hantida bangiyada Islaamku maammulaan kobocday 25-30% sannadkiiba intii u dhexeysay 2007-2012 .

Sidoo kale, hey’adaha ku shaqeeya nidaamka Islaamku, waxay soo jiiteen dhegaha bangiyada dhexe ee dawladaha waaweyn, sida ‘Federal Reserve’ iyo ‘Bank of England’; hey’adaha maaliyadda ee caalamka sida, Hey’adda Lacagaha Adduunka (IMF) iyo Bangiga Adduunka (World Bank); iyo xarumaha aqoonta ee ugu magaca dheer adduunka, sida Harvard University, Oxford iyo Cambridge Waxaa iyana bogagga hore u hibeeyey qaar ka mid ah warsidayaasha caalamka.

Waddammo badan oo reer Galbeed ah ayaa iyana bilaabay in ay wax ka beddelaan shuruucdooda iyo nidaamkooda canshuuraha si ay u soo jiitaan hey’adaha ku shaqeeya nidaamka maaliyadda ee Islaamka.

Tusaale ahaan, Faransiiska, Ireland iyo Japan saddexduba waxay wax weyn ka beddelleen nidaamkooda canshuuraha si ay u fududaato in bangiyo Islaami ah laga yagleelo waddammadooda, saamiyada bangiyadaasna loogu gado seyladaha lagu gado saamiyada sharikaadkooda.

Koboca iyo faa’iidada hey’adaha ku shaqeeya nidaamka Islaamku waxay sidoo kale sidii birlabtii u soo jiiteen bangiyo iyo hey’ado badan oo reer Galbeed ah. Tusaale ahaan, 2008-dii bangiyo aan ka yarayn 191 ayaa furay laamo ku shaqeeya nidaamka maaliyadeed ee Islaamka (Islamic window). Waxaa sidoo kale markii u horraysay bangiyada Islaamka laga dhex furay waddammo aan laga filayn in bangiyada noocaas ahi ka hirgeli karaan.

Tusaale ahaan, Shiinaha, Japan iyo Itoobiya saddexduba waxay bangiyadii u horreeyey ee ku shaqeeya nidaamka Islamka oggolaansho siiyeen sannadkii 2009-kii. Inkastoo hantida ay gacanta ku hayaan hey’adaha ku shaqeeya nidaamka maaliyadeed ee Islaamku madaxa la dhaaafeen USD 2 triliyan, haddana hantidaasi aad bay u yar tahay marka loo fiiriyo maalka adduunka yaalla ama kan ay gacanta ku hayaan hey’adaha ku shaqeeya nidaamka ribadu.

Waxaaba muuqata in dhowrka bangi ee adduunka ugu weyni, mid kasta gooni ahaantiisa, uu uga weyn yahay, marka la fiiriyo hantida ay gacanta ku hayaan, bangiyada ku shaqeeeya nidaamka islaamka oo la isku daray.

Tusaale ahaan, meesha hantida ururtay ee 1000-ka bangi ee ugu waaweyn adduunku gacanta ku hayaan ay madaxa la dhaafayso $96.4 trilion. Bangiyada qaarkood, sida Deutsche Bank hantida ay gacanta ku hayaan waxay madaxa la dhaafaysaa US$ 2.8 triliyan. Dunida Islaamkana, hadda ayaa la hadal hayaa in la sameeyo bangigii ugu weynaa ee ku shaqeeya nidaamka Islaamka. oo hantida uu maammulo gaari doonto $10 bilyan.

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