A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_URI::$config is deprecated
Filename: core/URI.php
Line Number: 101
Backtrace:
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Router::$uri is deprecated
Filename: core/Router.php
Line Number: 127
Backtrace:
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$benchmark is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$hooks is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$config is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$log is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$utf8 is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$uri is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$exceptions is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$router is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$output is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$security is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$input is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$lang is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$load is deprecated
Filename: core/Controller.php
Line Number: 78
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$db is deprecated
Filename: core/Loader.php
Line Number: 390
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_DB_mysqli_driver::$failover is deprecated
Filename: database/DB_driver.php
Line Number: 371
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 113
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 280
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 145
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 223
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 303
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::gc($maxlifetime) should either be compatible with SessionHandlerInterface::gc(int $max_lifetime): int|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 344
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 281
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_set_cookie_params(): Session cookie parameters cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 288
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 303
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 313
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 314
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 315
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 316
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: drivers/Session_files_driver.php
Line Number: 94
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_set_save_handler(): Session save handler cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 107
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: Warning
Message: session_start(): Session cannot be started after headers have already been sent
Filename: Session/Session.php
Line Number: 140
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$session is deprecated
Filename: core/Loader.php
Line Number: 1290
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Optional parameter $num declared before required parameter $category_id is implicitly treated as a required parameter
Filename: models/MLessons.php
Line Number: 37
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Optional parameter $offset declared before required parameter $category_id is implicitly treated as a required parameter
Filename: models/MLessons.php
Line Number: 0
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Optional parameter $num declared before required parameter $category_id is implicitly treated as a required parameter
Filename: models/MLessons.php
Line Number: 98
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Optional parameter $offset declared before required parameter $category_id is implicitly treated as a required parameter
Filename: models/MLessons.php
Line Number: 0
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$MLessons is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$MLessonsCategories is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Lessons::$MSettings is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$benchmark is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$hooks is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$config is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$log is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$utf8 is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$uri is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$exceptions is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$router is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$output is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$security is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$input is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$lang is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$load is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$db is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$session is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$MLessons is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$MLessonsCategories is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$MSettings is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home/alzatari/public_html/application/controllers/Lessons.php
File: /home/alzatari/public_html/index.php
موقع الدكتور الشيخ علاء الدين الزعتري | من أسس عمل المصرف الإسلامي
من أسس عمل المصرف الإسلامي
من أسس عمل المصرف الإسلامي
الدكتور الشيخ علاء الدين زعتري
أمين الفتوى، العضو التنفيذي لشركة العقيلة للتأمين التكافلي
alzatari@scs-net.org
الفرق الجوهري بين المصرف الإسلامي والبنك التقليدي يتلخص في:
أن الأخير يقوم على اقتراض وإقراض الأرصدة، والاستفادة من الفرق بين فوائد الإقراض الاقتراض.
بينما يقوم المصرف الإسلامي على أساس استقطاب الأرصدة لتشترك معه في عوائد الاستثمار في مشروع أو مجموعة مشروعات يقوم بها المصرف، فيقوم المصرف الإسلامي باعتماد عقد شركة (القراض) المضاربة المباشرة (رأس المال النقدي من جهة، والخبرة العملية من جهة أخرى)، أو المشاركة في (القراض) المضاربة مع أفراد أو شركات أو مؤسسات أخرى في مشروعات اقتصادية ليتحمل مع مشاركيه (أصحاب رأس المال من جهة، وأصحاب الخبرة) في الأرصدة صافي نتائج هذه المشروعات.
ومن خلال رؤية هذا الفرق الجوهري نلاحظ أنه في البنك التقليدي تتناقض مصالح أصحاب رؤوس الأموال الدائنين، الباحث كل منهم على مزيد من الأرقام (الأرباح)، وهذا لا يعني في المقابل أن العمل المصرفي الإسلامي لا يسعى إلى مزيد من الأرباح، إلا أن الفرق أن هذه الأرباح هي على المشاركة في المنافع المتبادلة، وليس المصالح المتضاربة.
كما أن الانفصام وعدم التوافق والتناسب بين عوائد الخصوم وعوائد الأصول سمة رئيسية للبنوك التقليدية.
بينما نجد في المصرف الإسلامي أن مصالح أصحاب رؤوس الأموال تتفق مع مصالح المشاركين (أصحاب الكفاءات والخبرات)، كنتيجة لمبدأ المشاركة، كما أن عوائد ونتائج الأصول تنعكس تلقائياً على استحقاقات وأنصبة الخصوم.
ويتميز مبدأ المشاركة في المصارف الإسلامية، مقارنه بالإقراض والاقتراض، بأنه يعمل على توفير الأمن والاستقرار للمصرف الإسلامي الذي يمثل نواة النظام النقدي للاقتصاد الوطني في أي بلد.
ويتمثل هذا الاستقرار في عدم تذبذب هوامش الفروق بين عوائد الخصوم والأصول التي قد تؤدي إلى ضعف المصداقية الائتمانية للبنك التقليدي.
ومن جهة أخرى لا بد أن تتبنى المصارف الإسلامية برامج اجتماعية تعاونية، إما بالإقراض المجاني (ولا يمنع قرار مجمع الفقه من الحصول على الأجر الفعلي للتكاليف) أو المقطوع المطلق أو كليهما (مثال على ذلك مشاريع زواج الشباب، ومشاريع بناء المساكن للفئة ذات الدخل المحدود أو المنخفض).
عدد القراء : 1599
