مسائل المنتخبه (Articles Of Islamic Acts) - الخوئي، السيد أبوالقاسم

اسم الکتاب : مسائل المنتخبه (Articles Of Islamic Acts) المؤلف : الخوئي، السيد أبوالقاسم الجزء : 1 صفحة : 622

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BANKING AND EXCHANGE
From the viewpoint of capital the banks in Islamic countries can be of three kinds: (i) National bank, whose capital is owned by one or more persons. (ii) Government bank. which is purely financed by the State. (iii) Company bank. which is financed by the government and public.
2856. It is not permissible to take loan from such a bank on payment of interest, ar,d it is also unlawful to accept profit from it. However, in order to avoid such an unlawful transaction the borrower will either: (i) Purchase something from the owner of the bank, or his agent, at a rate say 10% or 20% higher than the market rate, so that the bank may give him some money by way of loan (ii) or he may sell something to the bank at a price lower than the market rate subject to the condition that the bank will advance him a certain amount of money by way of loan, repayable by a stipulated date. In that event it is permissible to obtain the loan and it does not also amount to usury.
Similarly a gift may be given subject to the condition that one who fives the gift will be advanced a certain amount of money by way of loan, repayable on a particular date.
However, a transaction does not cease to be unlawful if something is added to a certain amount of money and it is then sold for a larger amount of money. For example it is not lawful to sell a sum of $ 100 together with a match box with

اسم الکتاب : مسائل المنتخبه (Articles Of Islamic Acts) المؤلف : الخوئي، السيد أبوالقاسم الجزء : 1 صفحة : 622

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