{"id":366,"date":"2024-08-31T00:55:24","date_gmt":"2024-08-31T00:55:24","guid":{"rendered":"https:\/\/sekmesreceptas.lt\/index.php\/2024\/08\/31\/kas-yra-islamo-finansai-ir-kaip-jie-veikia\/"},"modified":"2024-08-31T00:55:24","modified_gmt":"2024-08-31T00:55:24","slug":"kas-yra-islamo-finansai-ir-kaip-jie-veikia","status":"publish","type":"post","link":"https:\/\/sekmesreceptas.lt\/index.php\/2024\/08\/31\/kas-yra-islamo-finansai-ir-kaip-jie-veikia\/","title":{"rendered":"Kas yra islamo finansai ir kaip jie veikia?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/sekmesreceptas.lt\/index.php\/2024\/08\/31\/kas-yra-islamo-finansai-ir-kaip-jie-veikia\/#Pirmoji_is_penkiu_pasauliniu_finansu_daliu_DUK_interneto_serija_apie_islamo_finansus\" >Pirmoji i\u0161 penki\u0173 pasaulini\u0173 finans\u0173 dali\u0173 DUK interneto serija apie islamo finansus.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/sekmesreceptas.lt\/index.php\/2024\/08\/31\/kas-yra-islamo-finansai-ir-kaip-jie-veikia\/#Kas_yra_islamo_finansai\" >Kas yra islamo finansai?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/sekmesreceptas.lt\/index.php\/2024\/08\/31\/kas-yra-islamo-finansai-ir-kaip-jie-veikia\/#Skolinimas_be_palukanu\" >Skolinimas be pal\u016bkan\u0173<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/sekmesreceptas.lt\/index.php\/2024\/08\/31\/kas-yra-islamo-finansai-ir-kaip-jie-veikia\/#Vengti_palukanu_apsimoka\" >Vengti pal\u016bkan\u0173 apsimoka<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-the-first-of-five-parts-of-a-global-finance-faq-web-series-on-islamic-finance\"><span class=\"ez-toc-section\" id=\"Pirmoji_is_penkiu_pasauliniu_finansu_daliu_DUK_interneto_serija_apie_islamo_finansus\"><\/span><em>Pirmoji i\u0161 penki\u0173 pasaulini\u0173 finans\u0173 dali\u0173 <a href=\"https:\/\/gfmag.com\/features\/frequently-asked-questions-about-islamic-finance-global-finance-faq\/\">DUK interneto serija<\/a> apie islamo finansus.<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vos per kelis de\u0161imtme\u010dius islamo finansai \u012fsitvirtino kaip reik\u0161mingas pasaulio finans\u0173 veik\u0117jas. \u0160iandien, kai visame pasaulyje veikia t\u016bkstan\u010diai institucij\u0173, \u0161is sektorius neb\u0117ra apsiriboja pamald\u017eiais Vidurio Ryt\u0173 ir Pietry\u010di\u0173 Azijos musulmoni\u0161k\u0173 \u0161ali\u0173 klientais. Ji s\u0117kmingai u\u017e\u0117m\u0117 rinkos dal\u012f Europoje, Azijoje, Afrikoje ir \u0160iaur\u0117s Amerikoje, kur \u012fvair\u016bs klientai traukia \u0161ariato reikalavimus atitinkan\u010dius rizikos pasidalijimo ir socialin\u0117s atsakomyb\u0117s principus. Pasauliniams investuotojams vis labiau teikiant pirmenyb\u0119 tvarumui ir etikai, islamo bankininkyst\u0117 atitinka \u0161ias vertybes, tod\u0117l ji tampa pagrindiniu veik\u0117ju klestin\u010diame tvaraus finans\u0173 jud\u0117jime.<\/p>\n<p>Islamo bankininkyst\u0117 taip pat \u012frod\u0117 savo atsparum\u0105 neramiais ekonomikos laikais. U\u017edraud\u0119 spekuliacij\u0105 ir panaudodami rizikos pasidalijimo mechanizmus, islamo bankai \u012frod\u0117 savo geb\u0117jim\u0105 atlaikyti krizes, kartais geriau nei \u012fprastas sektorius, o tai ypa\u010d aktuali investuotojams \u0161iandienos neapibr\u0117\u017etoje ekonomin\u0117je aplinkoje. Su daugybe nauj\u0173 finansini\u0173 naujovi\u0173 ir tvirto reguliavimo pagrindo islamo bankininkyst\u0117 yra pasirengusi \u0161viesiai atei\u010diai.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-what-is-islamic-finance\"><span class=\"ez-toc-section\" id=\"Kas_yra_islamo_finansai\"><\/span><strong>Kas yra islamo finansai?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Islamo finansai yra b\u016bdas atlikti finansines operacijas ir bankininkyst\u0119 laikantis islamo \u012fstatym\u0173 arba \u0161ariato. Islamo finansai beveik neegzistavo prie\u0161 30 met\u0173, ta\u010diau \u0161iandien tai yra 3,96 trilijono doleri\u0173 vert\u0117s pramon\u0117, turinti daugiau nei 1 650 specializuot\u0173 institucij\u0173 visame pasaulyje. Islamo bankai yra neabejotinai did\u017eiausi islamo finans\u0173 pramon\u0117s dalyviai ir sudaro 2,7 trilijonus USD arba 70 % viso turto. Pagal 2023 m <a>Pasaulin\u0117s islamo ekonomikos b\u016bkl\u0117s ataskaita<\/a>Tikimasi, kad bendras \u0161ariato reikalavimus atitinkantis turtas iki 2026 m. padid\u0117s iki 5,95 trilijono USD.<\/p>\n<p>Islamo finansai sudaro tik apie 1 % viso pasaulio finansinio turto, ta\u010diau su 9 % metiniu augimo tempu jis ple\u010diasi grei\u010diau nei \u012fprasti finansai. Kai kuriose geografin\u0117se vietov\u0117se, pavyzd\u017eiui, Persijos \u012flankos bendradarbiavimo taryboje (GCC) arba Afrikoje \u012f pietus nuo Sacharos, islamo bankai dabar tiesiogiai konkuruoja su Vakar\u0173 bankais, kad pritraukt\u0173 musulmon\u0173 klientus.<\/p>\n<p>Taigi, kas slypi u\u017e islamo finans\u0173 s\u0117km\u0117s? Kuo islamo finansai ypatingi? Kod\u0117l jis spar\u010diai auga?<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<span class=\"wp-block-paragraph\"><\/p>\n<p><\/span><\/p>\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\"><span class=\"wp-block-heading\"><\/p>\n<h2 class=\"wp-block-heading\" id=\"h-interest-free-lending\"><span class=\"ez-toc-section\" id=\"Skolinimas_be_palukanu\"><\/span><strong>Skolinimas be pal\u016bkan\u0173<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><\/span><\/p>\n<p>Garsiausia islamo finans\u0173 taisykl\u0117 \u2013 lupikavimo draudimas. Ekonomine prasme tai rei\u0161kia, kad skolintojui ir skolininkams draud\u017eiama imti ar mok\u0117ti pal\u016bkanas arba <em>riba<\/em>. \u0160ariato reikalavimus atitinkantys bankai nei\u0161duoda paskol\u0173 su pal\u016bkanomis.<\/p>\n<p>Tada kyla akivaizdus klausimas: kaip islamo bankai u\u017edirba pinigus? U\u017euot skolin\u0119 pinig\u0173 savo klientams pelningai, jie perka pagrindin\u012f produkt\u0105 \u2013 nam\u0105, automobil\u012f, \u0161aldytuv\u0105 \u2013 ir i\u0161nuomoja j\u012f arba perparduoda i\u0161simok\u0117tinai klientui u\u017e fiksuot\u0105 kain\u0105, paprastai didesn\u0119 nei pradin\u0117 rinka. vert\u0117. Pagrindin\u0117 s\u0105voka \u010dia yra rizikos pasidalijimas \u2013 bankai i\u0161 sandorio gauna peln\u0105 kaip atlyg\u012f u\u017e rizik\u0105, kuri\u0105 prisi\u0117m\u0117 su klientu. U\u017euot klest\u0117j\u0119 d\u0117l pal\u016bkan\u0173 norm\u0173, islamo bankai naudoja savo klient\u0173 pinigus tam, kad \u012fsigyt\u0173 turt\u0105, pavyzd\u017eiui, turt\u0105 ar versl\u0105, ir gaut\u0173 peln\u0105, kai paskola s\u0117kmingai gr\u0105\u017einama.<\/p>\n<\/div>\n<\/div>\n<p>Visos islamo finansin\u0117s investicijos, \u012fsigijimai ir sandoriai turi atspind\u0117ti islamo vertybes. Grie\u017etai draud\u017eiama dirbti su bet kuo neteis\u0117tu (haram), pvz., alkoholio gamyba, kiaulienos auginimu, ginkl\u0173 gamyba ar lo\u0161imu. \u012edomu pasteb\u0117ti, kad pana\u0161i\u0173 iniciatyv\u0173 esama ir kituose tik\u0117jimuose <a href=\"https:\/\/www.stoxx.com\/index-details?symbol=SXCHP\">STOXX indeksas<\/a> pavyzd\u017eiui, atrenka tik \u012fmones, kurios gerbia krik\u0161\u010dioni\u0161kas vertybes.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-avoiding-interest-pays-off\"><span class=\"ez-toc-section\" id=\"Vengti_palukanu_apsimoka\"><\/span><strong>Vengti pal\u016bkan\u0173 apsimoka<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0160is eti\u0161kai pagr\u012fstas po\u017ei\u016bris \u012f versl\u0105 i\u0161 dalies paai\u0161kina islami\u0161k\u0173 bank\u0173 s\u0117km\u0119 tuo metu, kai daugeliui klient\u0173 nepasitiki finans\u0173 sistema. Be to, \u0161ariato reikalavimus atitinkantys subjektai pasitvirtino kriz\u0117s metu.<\/p>\n<p>Kadangi islamo \u012fstatymai teigia, kad u\u017esidirbti pinig\u0173 i\u0161 pinig\u0173 yra neteisinga, \u0161ariato reikalavimus atitinkan\u010dios institucijos linkusios susilaikyti nuo spekuliacij\u0173. Jie tradici\u0161kai vengia i\u0161vestini\u0173 finansini\u0173 priemoni\u0173, toki\u0173 kaip ateities sandoriai ar pasirinkimo sandoriai, ir teikia pirmenyb\u0119 tam, kad turtas b\u016bt\u0173 pagr\u012fstas reali\u0105ja ekonomika.<\/p>\n<p>Tai i\u0161 esm\u0117s apsaugojo islamo bankus nuo 2008 m. finansin\u0117s kriz\u0117s. Skirtingai nei \u012fprasti bankai, \u0161ariato reikalavimus atitinkantys bankai nebuvo susij\u0119 su toksi\u0161ku turtu ir geriau atsilaik\u0117 nuo \u0161oko.<\/p>\n<p>\u201e\u0160ariato princip\u0173 laikymasis, d\u0117l kuri\u0173 islamo bankai negal\u0117jo finansuoti ar investuoti \u012f tokias priemones, kurios neigiamai paveik\u0117 j\u0173 \u012fprastus konkurentus, pad\u0117jo suvaldyti kriz\u0117s poveik\u012f islamo bankams\u201c, \u2013 teigiama prane\u0161ime. <a href=\"https:\/\/www.imf.org\/en\/News\/Articles\/2015\/09\/28\/04\/53\/sores100410a\">2010 m. TVF ataskaita<\/a>.<\/p>\n<p>Tai yra pagrindin\u0117 prie\u017eastis, kod\u0117l islamo finansai dabar turi rimt\u0105, stabil\u0173 ir patikim\u0105 \u012fvaizd\u012f visame pasaulyje.<\/p>\n<\/p><\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/gfmag.com\/features\/islamic-finance-faq-what-islamic-finance-and-how-does-it-work\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pirmoji i\u0161 penki\u0173 pasaulini\u0173 finans\u0173 dali\u0173 DUK interneto serija apie islamo finansus. Vos per kelis de\u0161imtme\u010dius islamo finansai \u012fsitvirtino kaip reik\u0161mingas pasaulio finans\u0173 veik\u0117jas. \u0160iandien, kai visame pasaulyje veikia t\u016bkstan\u010diai institucij\u0173, \u0161is sektorius neb\u0117ra apsiriboja pamald\u017eiais Vidurio Ryt\u0173 ir Pietry\u010di\u0173 Azijos musulmoni\u0161k\u0173 \u0161ali\u0173 klientais. Ji s\u0117kmingai u\u017e\u0117m\u0117 rinkos dal\u012f Europoje, Azijoje, Afrikoje ir \u0160iaur\u0117s Amerikoje, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":367,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-366","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansai"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/posts\/366","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/comments?post=366"}],"version-history":[{"count":0,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/posts\/366\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/media\/367"}],"wp:attachment":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/media?parent=366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/categories?post=366"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/tags?post=366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}