اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد ﺍﻟﻮﻗﻒ ﺍﳌﺆﻗﺖ ﻟﻠﻨﻘﻮﺩ ﻟﺘﻤﻮﻳﻞ ﺍﳌﺸﺮﻭﻋﺎﺕ ﺍﻟﺼﻐﺮﻯ ﻟﻠﻔﻘﺮﺍﺀ ﺑﻘﻠﻢ )*( א א א א א ١٤٢٧ Page 1 of 15 א – / א ٢٠٠٦ اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد א ٣ .............................................................................................................. : −١ −٢ −٣ : −٤ א א א א א א א א א א א א ٤ .......................................................... א ؟ ٥ .......................................................... ٨ .................................................................................... ٨ ....................................................................................................... : א −٥א -٦اﻟﻤﻮﻗﻮف ﻋﻠﻴﻬﻢ ،أو اﻟﻤﺴﺘﻔﻴﺪون٩ .............................................................................. -: - ٧ﺻﻴﻎ اﻟﺘﻤﻮﻳﻞ١٠ .................................................................................................... : א ١١ ................................................................................................... : −٨א א א א :א א א א :א א א ١١ ................................................................................ א ، א ١٢ .....................................................: א א : א ١٢ ........................................................................................ : א א א : א ١٣ .......................................................................................... : −٩ −١٠ −١١ ١٣ .......................................................................................... : א : ١٤ .................................................................................. אא ؟ ١٥ ................................................................................... Page 2 of 15 اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد א א א א א א א א א −١ )*( : ، אא א א אא א א א ، א א א. א א א א ، . א א ، א א א א א א א . א א א א א א א . א א ، .א ) א א א א ، א (. א א . א א א א א א ، א א אא ، אא א . Page 3 of 15 اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد )* ( اﻵراء ﻓﻲ اﻟﺒﺤﺚ ﺷﺨﺼﻴﺔ .وأود أن أﺷﻜﺮ ﺷﺮآﺔ اﻟﻤﺴﺘﺜﻤﺮ اﻟﺪوﻟﻲ – اﻟﻜﻮﻳﺖ ،ﻋﻠﻰ ﺗﻴﺴﻴﺮ آﺘﺎﺑﺔ هﺬا اﻟﺒﺤﺚ وﺗﻘﺪﻳﻤﻪ .آﻤﺎ أﻧﻲ ﻣﺪﻳﻦ ﻟﻠﺪآﺘﻮر ﻣﺤﻤﺪ ﻋﻠﻲ اﻟﻘﺮي -زﻣﻴﻠﻲ ﺳﺎﺑﻘﺎ ﻓﻲ ﻣﺮآﺰ أﺑﺤﺎث اﻻﻗﺘﺼﺎد اﻹﺳﻼﻣﻲ ﺑﺠﺎﻣﻌﺔ اﻟﻤﻠﻚ ﻋﺒﺪ اﻟﻌﺰﻳﺰ -ﺑﻔﻜﺮة اﻻﺳﺘﻔﺎدة ﻣﻦ اﻟﻮداﺋﻊ اﻟﺤﺎﻟّﺔ )ﺗﺤﺖ اﻟﻄﻠﺐ( ﻓﻲ ﺗﻤﻮﻳﻞ اﻟﻔﻘﺮاء ،ﺣﻴﺚ ﻧﺒﺘﺖ ﺧﻼل ﻣﻨﺎﻗﺸﺔ ﻣﻄﻮﻟﺔ ﺑﻴﻨﻨﺎ ﻓﻲ اﻟﻤﺮآﺰ ﻗﺒﻞ ﻧﺤﻮ ﻋﺸﺮ ﺳﻨﻮات. وأرﺣﺐ ﺑﺘﻠﻘﻲ اﻟﺘﺼﻮﻳﺒﺎت و اﻟﻤﻼﺣﻈﺎت ﺑﺎﻟﺒﺮﻳﺪ [email protected] −٢ : א א א א א א א א א ، א א ، א א א א א א א ، א ، א א א א א . microfinance א א א א א א א . אא א א . א א א א א א א . א א א ، אא א Page 4 of 15 א ، א . א ، ، اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد א א א א א ، א א א א א ) ، א א אא א א א ،א ، א א א א א א א א א א א א א א؟ . . א ) א، א א א א . א ( א ، ، א א א א א ، . ، א א א א ( ١٩٦٢ ، א א ، ، א א א א א ...א ) ‘‘ ..א . ، ٢١٦א א א א . ‘‘ א ، א −٣ אא ، א א א . אא . א ( א א א א . א א א Page 5 of 15 . ، א א א ، اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد א א . א א א א א א : א א א . א א ، א א א ( א ، א א א א א א א ، 1 א .א א א ، א ) א א א ، . א א א א א א . א א א א ( ) ! א א א . א : א א א א א א א א א א א א א א א . א א :א א א א . א ، א : ، א א א ، ، א א א א א א )( ١ א א ، א א א ، א א א . . إﻻ ﻣﺎ آﺎن ﺑﺎﻹذن اﻟﺼﺮﻳﺢ ،أو ﺟﺮى ﺑﻪ اﻟﻌﺮف اﻟﺘﺠﺎري ،وﻣﺜﺎﻟﻪ ﻓﻲ اﻟﻤﺎﺿﻲ اﻹﺑﻀﺎع ،و ﻓﻲ اﻟﺤﺎﺿﺮ ﻣﺎ آﺎن ﻋﻠﻰ ﺳﺒﻴﻞ اﻟﺘﺮوﻳﺞ اﻟﺘﺠﺎري. Page 6 of 15 اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد א א א א א א ، א א א א א א א א א א א א . א א ، א א א א א ". א ، . א א א א ، א ، א א א . א : • • א א א : א א א . − − א א א א א (٢) "... א א א . א א א א א א א א . א א א א א א . א אא א א . 2ﻣﺤﻤﺪ أﻧﺲ اﻟﺰرﻗﺎ " :اﻟﺰآﺎة ﻋﻨﺪ ﺷﺎﺧﺖ واﻟﻘﺮاض ﻋﻨﺪ ﻳﻮدوﻓﻴﺘﺶ" .ﻓﺼﻞ ﻓﻲ آﺘﺎب ) :ﻣﻨﺎهﺞ اﻟﻤﺴﺘﺸﺮﻗﻴﻦ ﻓﻲ اﻟﺪراﺳﺎت اﻟﻌﺮﺑﻴﺔ واﻹﺳﻼﻣﻴﺔ :دراﺳﺔ وﺗﻘﻮﻳﻢ( ،ﻣﻜﺘﺐ اﻟﺘﺮﺑﻴﺔ اﻟﻌﺮﺑﻲ ﻟﺪول اﻟﺨﻠﻴﺞ ،اﻟﺮﻳﺎض ، ١٤٠٥هـ ١٩٨٥ /م . Page 7 of 15 اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد א −٤ א א א ، א א א א א א ، א א א א א א א ٧٠ א ،א א א א −٥א א א א א א ، א . א א، ، א ، אא א ، א . ، א א א א ، ( א א ، א . א א אא /١٩ א −٤٤ א א )א .( ١٢٤−١٢٣ א א : א א א א א א א א א ). א ، א )א א א −٤٤ א א א א א . א א א. א א א א א . א، א א א א א א א א ،א א א א א ، .(١٦٧−١٦٦ א א ، א א א .א אא א ، א א Page 8 of 15 א א .، א א، א א א א ، : اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد :א א א א א א .... . א א : . ، א א א א ) א א א ،א א ،א א א ، א א א א א א א א ، ، א א א א ( א א א אא א א א א א א א א א א ، . . א -٦اﻟﻤﻮﻗﻮف ﻋﻠﻴﻬﻢ ،أو اﻟﻤﺴﺘﻔﻴﺪون-: א א א א א א . )א א ( א א א א א א א ،(٥٤٨−٥٤٧/٢ א א )א : א . . א א א . א א א ، א ( א א א א א א א א א א Page 9 of 15 . )א א . א א . ، א א א اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد א א . א א א . - ٧ﺻﻴﻎ اﻟﺘﻤﻮﻳﻞ: ، א א א א א א א א א א . ، ( ، . א א א א א א . אא א א א א א א א א . א ) א א א א א א א א א א ، א . א א א א א א א א אא א א א א א. א א א א א ، א א ، א א א א (..א א א ....) : א א א ، א א ، א א א ، א א א א א Page 10 of 15 א . : א אא . ، ، א : א א א א ٦ א א א א א א א א א اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد ، א ، א א א א : . ، א א א א א א א −٨א א א. א א א א א א א ) א )(١٣ א : א א :א א א : א א א א א א א ) א א ( .א א א א א، א א א א . א א א . א א א א א ، א א . א א א א א ، ١٤٠٧/٢/١٣א א ( ١٩٨٦/١٠/١٦ ، א א א א א .... א א א א א א א א . )(٣ א א . 3 ﻃﺒﻖ رﺳﻮل اﷲ ﺻﻠﻰ اﷲ ﻋﻠﻴﻪ وﺳﻠﻢ ﻧﻈﺎم اﻟﻤﻨﺎﺋﺢ ﻋﻠﻰ ﻧﻄﺎق واﺳﻊ ﻟﻤﺴﺎﻋﺪة اﻟﻔﻘﺮاء ﺑﺮأﺳﻤﺎل ﻣﺎدي أو ﻧﻘﺪي . اﻧﻈﺮ ﻟﻠﺘﻔﺼﻴﻞ ﻣﺤﻤﺪ أﻧﺲ اﻟﺰرﻗﺎ "ﻧﻈﻢ اﻟﺘﻮزﻳﻊ اﻻﺳﻼﻣﻴﺔ" ﻣﺠﻠﺔ أﺑﺤﺎث اﻻﻗﺘﺼﺎد اﻻﺳﻼﻣﻲ ﻣﺠﻠﺪ 2 اﻟﻌﺪد 1404) ، 1هـ = 1984م( . Page 11 of 15 اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد א :א א א א א א א. א אא ، א )א א א ، א א א א א א )א א א א א ، ) א ، . ( ، א . . ( א :א א א . א א ، : א א א א . א א : א ( א א א א א א א א ، : א א א א א א א א א א ، א ، ، א. א א א א א א א א ، : א، א . Page 12 of 15 א א اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد א : א א א א א : א ، ، א ، . א אא ،א א א )א א א א א (א ، א . א ،א א א א א א א א . ). (٤ א . א (٪٢ א ، א ) ٪٥ א א א א א א −٩ . א . א א ، א א א א א א : א א ، א א א א א א ، . 4أﻧﺎ ﻣﺪﻳﻦ ﻟﻔﻀﻴﻠﺔ ا.د .أﺣﻤﺪ اﻟﺤﺠﻲ اﻟﻜﺮدي ﻋﻀﻮ ﻟﺠﻨﺔ اﻟﻔﺘﻮى ﻓﻲ وزارة اﻻوﻗﺎف ﺑﺎﻟﻜﻮﻳﺖ ﺑﻬﺬﻩ اﻟﻤﻼﺣﻈﺔ اﻟﻤﻬﻤﺔ. Page 13 of 15 اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد א ) א א א א א א ( א : ) א א א א א א א א . א א א، א (. א א א א א א א א ، . א א א א א . א . א א א א א . א א א א . : −١٠ א א א . א א א א א א . א א א א .، א א א . . א א א א א א א א א א א . Page 14 of 15 . ، .א א، א א א א ، א א א اﻟﺰرﻗﺎ -اﻟﻮﻗﻒ اﻟﻤﺆﻗﺖ ﻟﻠﻨﻘﻮد −١١ אא א ، א א א א א א : ، א א א :א א ، א א . א א א א א א ، א א א א א אא א . (... א א . א ، א Page 15 of 15 א . א א א א א א ، . ، א א א א א א א א א : א א ، א א א א א א א א א، א ؟ א ) : .
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