ISLOM MIKROMOLIYA TASHKILOTLARINI TASHKIL QILISHNING IQTISODIY ZARURLIGI
Keywords:
Islomiy Mikromoliya Tashkiloti, ribo, Islomiy moliyaviy xizmatlar, zakot, vaqf, murobaha, musharaka, mudaraba.Abstract
Qashshoqlik global dunyodagi muammolardan biridir. Buning asosiy sabablaridan biri moliyaviy xizmatlardan foydalanish imkoniyatini chegaralanganligidadir. Darhaqiqat, kambag'allar nafaqat qarzga muhtoj bo'ladi, balki, kredit, jamg'arma, pul o'tkazmalari va sug'urta kabi turli xil bank xizmatlarga muhtoj bo’lishi tabiiy. Tijorat banklari asosan katta shaharlarga ixtisoslashganligi sababli, yordamga mikromoliya tashkilotlari keladi. Mikrokredit tashkilotlari ham shakllanish va ishlash jihatdan ikkiga guruhga bo’linadi. Bular An’anaviy va Islomiy mikrokredit tashkilotlaridir.
An’anaviy mikromoliya tashkilotlari tomonidan taklif qilingan mikrokredit mamlakatdagi musulmon aholi va tadbirkorlarni foydalanishdan to’sishiga sabab, islom shariati tomonidan taqiqlangan ribo elementini o’z ichiga oladi. Demak, Islom mikromoliya tashkilotlarini tashkil qilish ayniqsa musulmon aholisi ko’p mamlakatlarda qashshoqlikka barham berishda muhim rol bajaradi.
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