Ak niesú peniaze, prvé čo ma napadne je požičať si od kamarátov, alebo v rodine. Ak ani tam nepochodíme, jediné čo nám ostáva je požičať si v banke. Pôžička v banke prešla určite aspoň raz mysľou každého bežného Slováka alebo začínajúceho podnikateľa, ktorý potrebuje peniaze na zakúpenie strojov, technológie alebo materiálu do výroby.
V banke nájdete najvýhodnejší úver na trhu, s najnižším možným úrokom alebo ročnou percentuálnou mierou nákladov, no vďaka týmto výhodám si vás ešte pred podpísaním zmluvy v danej spoločnosti dobre preveria.
Ako si požičať v banke?
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Despite we now able to see the result of Islamic banking trends, but don’t you know the first pioneer or person whom introduce these financial method often get rejection. Of course there are lots of causal, yet below are some approach they did to convince investment.
1. Uncertainty and Causality
Yes, uncertainty is something usual, even became intrinsic to all economic activities. Yet it also resulting on certain cause which cause or affect probabilities of an occurrence.
Factors that control the probability of a random outcome are considered as causes (asbab) of that outcome. In Islamic cultures, uncertainty is strongly linked to causes. Once a decision-maker is faced with an uncertain decision problem, he will take care of the causal factors and leave the final result to the will of Allah, the Almighty. This behavior is well established in Islamic principles.
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Investment are still consider or related to gambling for some people. The idea of getting big return from other people lost became major issues for some persons.
These made some ideas of evaluation and strategy on “catching” these type of customers. These is where Islamic financial system come in and lately became trends.
But before we go much further, was it correct that investment and gambling are related. Well we couldn’t say so, most gambler realize it or not knows that he will likely in losing then winning. While investor are confident having big chances in winning.
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These days, Islamic financial system have been new trends in Asian financial market. Some banks in Asia have introduced these new package of financial system.
Despite these Islamic financial system actually not a new things. How does it works? Lets see bit of history first. In early stage of Islamic history, the spread of these religion quickly wide on the globe starting from Arab’s as the central.
The concept of Islamic financial system, starting from the idea that in that early moment, the Muslims society able to live and do financial activity including consumer needs, without taking any interest of it.
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The number of rates which in average kept on increasing, does attract people on investment. And the most favorite investment is stocks investment. Likely because of the high return, these became favorite investment.
If you do have unused money, you could try on stocks investment, but then some people push them self joining stocks investment with their limited money. Later they put their emergency reserve money as exchange for stocks investment. Was it a wise choice? Lets see it below.
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