بینک کا مسئلہ

In an unprecedented Fatwa with which most of Islamic Ummah's Imams and legislators differ, Dr. Muhammad Sayed Tantawi, the Mufti of Egypt, has said there is nothing wrong with the bank's specification of profit rate. He has even gone beyond that to emphasise that the banks which set the rate of its profits are much closer to Islam. In a wide meeting held the night before last at the Egyptian embassy in Abu Dhabi, Dr. Tantawi said, if a bank, for reasons out of its hands, has made a loss then, it has to prove that before courts, then every depositor would bear a portion of the loss, commensurate with the volume of his deposited capital. It is, however, worthwhile mentioning here that, due to this opinion, a heated argument had earlier sparked off between the Mufti and the Islamic bodies in Egypt, foremost among these was the Al-Azhar institution. However, it was the first time ever that Dr. Tantawi transfers the sphere of the argument outside the Egyptian boundaries. He, at his own risk, has confirmed that the specification of the interest rate as to bank deposits is not a speculation. He considered deposition as an absolute mandate in which the depositor delegates the bank to invest his money. "Therefore, we should take the matter with ease and flexibility, but within the limits specified by the Lord" Dr. Tantawi asserted. Even, in regard to bank loans, Dr. Tantawi went on to say that if the loan was needed for a justifiable reason such as the medical treatment or the embarkment of an investment project, then, it would be Halal" i.e. permissible, provided that it will be void of deceit or exploitation. Likewise, Dr. Tantawi has justified interests on loans saying that banks neither lend nor borrow, but they rather play the role of a mediator between the clients (the borrowers) and depositors (the real lenders and banks as such, receive the latter category's moneys in order to invest them on their behalf. Hence, when the bank extends some moneys to an entrepreneur who intends to invest these moneys in someway, it then has the right to take some profit, out of the transaction. (The Muslim World, Makkah, April 24-May 1, 1995)

اس خبر میں بتایا گیا ہے کہ مصر کے مفتی دکتور محمد سید طنطاوی نے ابو ظبی کے مصر سفارت خانہ میں ہونے والی ایک بڑی میٹنگ میں اپنا یہ فتویٰ پیش کیا کہ بینک انٹرسٹ میں کوئی برائی نہیں ہے اوروہ اسلام سے بہت قریب ہے۔ انہوں نے کہا کہ بینک کا قرض اگر کسی معقول ضرورت کے لیے لیا جا رہاہے تو وہ حلال ہے۔ بینک کے لیے اس قسم کے قرضوں پر انٹرسٹ لینے کو بھی انھوں نے جائز بتایا۔