Image by Taromeet via FlickrHOW DOES IT WORK FOR ISLAMIC MICROFINANZAS
Schemes in Islamic microfinanzas he Mudarabah contract, agreement participatory process in which he shares one of them gives him capital (value) y otros (trabajadores them) use it for commercial Fines them to profit from them if the company shares with the acuerdo the proportion convenida, and lost them, if hay, unless negligence by the breach of his contract he trabajador, is in charge of needed items. Some considerations them are following:
>> Obligado Bank is in them should interfere in routine operations trabajadores them about the company, even if banks are allowed them to provide technical advice in general. Los trabajadores must submit periodic reports regularly to bench him in he space business;
>> Los profits derived from business distribuye Mudarabah is required between you and them trabajadores on the basis of the proportion established antemano;
>> No one Quantity fija hay, ya sea as benefits, pay them the commission, if puede resolve in favor of a party before he Islam allows the determination of the gain as a porcentaje (for example, lets "Piezo 10% sus gains them with me every month "), but prohibits them from fixing the gains in absolute terms (for example, lets" Dame tu gain of $ 100 each month "), it is clear that injusticia es them priests who are related to him he rendimiento business, he mientras second is related to nothing;
>> In a business, lost them pueden them to be offset by revenue from the company till it was business detiene y las Account is established;
>>The scholars to educate them to the Sharia should be consulted him during the process of investment to guarantee that transactions acuerdo them with the Islamic law.
One version of it islamizada Grameen model similar al following:
1. A group of five customers about one microfinanzas Islamic banking capital investment for them separately Projects 5.
2. After evaluating the feasibility of each one of them five proyectos he Bank prepares a separate contract, he explains timing of payments and it porcentaje them to participate in profits, and the possibility subrayan mayor of one future investment in it in terms of su rendimiento individual.
3. He reverse primer bank for people in the.
4. These individuals pay him each primer in one quarter of sus investments in this time every week for weeks Cuatro (ayudar clawed at them he gains in business each week) he stem month of the destruction of all the investment was worth the pain only, He and 75% of all profits stay with them he individual and 25% of it profits them to bank them (mostly to fund future Operations them his bank and he crecimiento) in case of loss solamente, that it is the investment worth it worth it.
5. In the second month he he he bank luego evaluate the performance of the first people back and decide whether to reverse, he increased the size of investment for mayor aquellos with one rate of return of 10%, keep it current size of investment for them with people rate of one leg and he Vuelta between 0% and 10%, and cut it the size of investment lost to them with people in it that a second-round loss to read descalifica cualquier for future investment, al obligando them other groups gather a group of partners otros.
6. Also in he second month, investment banks them from coming to them from the individuals using it mismo schedule of payments and benefits for them acuerdo first 2 people.
7. In the third month he he he bank to evaluate the performance of Los Cuatro existing customers and decide whether to reverse the va Nuevo, using criteria that mismos them before.
8. Also in the third month he he he bank invierte in fifth and last of each group, using it mismo schedule of payments and it acuerdo distribution of profits in the quantum Cuatro people before.
9. He seats them continue to cycle the transaction, using it mismo schedule of payments, he acuerdo distribution utilities, as well as criteria reinversión them of all the future Inversiones.
Sencillas measures are as effective in one rural village in them Muslim countries, because they are in urban ghettos them in a no-Muslim, if he hombre es the client Mujeres, veteran youth, in the Muslim. He his group size, schedule of payments, gains are OBJETS them of the capacity, Los reinversión criteria, the duration of the investment and operation of full otros pueden be tailored to the needs of customers who have them will be highlighted.
Uno puede wonder why Only to give the infamous Dinero, instead of in reverse sus business in HERRAMIENTAS puede be one of the poverty reduction more effective. He zakat and charity approach to the mind. Sin embargo, believing it to them Islam is encouraged to read it apoyar Dinero circulating through the community of Salida, such as the zakat and her charity, but Also if free capital riesgo. Ahora, more than ever, with large inputs of capital in the banking industry of the Islamic and the possibility of contract titularización microfinanzas Heche tested them, we find it in comienzo of the second las microfinanzas revolution, in which he microfinanzas them Islamic to alleviate poverty with replicable, sustainable, and cheap deals without them riesgos and costs associated with them microfinanzas respectable.
Al calculate benefits them, it Tien Only client must provide three data: HUELLA involved, wool sales to pay attention, and the quantification purchased. Fits señalar that al principle, he explains that the customer profitability (and, implicitly, to declare income honest) are translated into one mayor future investment in it. Islamic law in LA allows them to share in his contract he size of the investment conditions in El rendimiento de las Inversiones past him in future, but if you read parts of them can get in on the promise cuando puede apply them acuerdo investors are as one question out its policy position the discretion to increase the size Decrease it to the future investment based on historical rendimiento him, perhaps by domestic investors enjoy them from the matrix inversion. Parallel're clear subtext that he ROBO Solo fue al harm the client. Y because it es Muy novel small size of the configuration of the investment of the town horribly sad, filter banks and free rider Others affected persons.
