Wisdom of Islamic Finance: Rethinking Our Economic System
Summary
TLDRDans cette vidéo, l'animateur aborde le fonctionnement des banques islamiques et comment elles génèrent des profits, en contrastant avec les méthodes traditionnelles. Il utilise une histoire pour illustrer les principes de la finance islamique, où l'argent doit être lié à des actifs réels pour générer des profits, au lieu d'être utilisé comme une marchandise à vendre. Cette approche favorise une économie axée sur la production et la valeur réelle, plutôt que sur la spéculation financière. L'animateur encourage à repenser l'économie pour promouvoir l'intégrité économique et une vie meilleure pour tous.
Takeaways
- 🏦 L'islamique bancaire est basée sur le principe que l'argent doit être utilisé comme un moyen d'échange et de faciliter les transactions, plutôt que d'être considéré comme une marchandise à vendre pour générer des profits.
- 🌳 Une histoire illustre que l'utilisation inappropriée de l'argent, comme le brûler pour faire du feu, est comparée à l'utilisation incorrecte de l'argent dans les transactions financières.
- 🚫 L'islamique bancaire interdit le gain illégitime provenant du prêt d'argent, en contraste avec les banques conventionnelles qui vendent de l'argent et attendent plus d'argent en retour.
- 🏠 Dans une banque islamique, un prêt immobilier n'est pas un contrat de prêt d'argent, mais plutôt un contrat de vente ou de location de la propriété elle-même.
- 💰 L'intérêt n'est pas la seule forme de profit interdite dans l'islamique bancaire; toute forme de gain provenant du prêt d'argent est considérée comme non conforme.
- 🔗 Les banques islamiques doivent être liées à l'économie réelle en investissant dans des actifs réels pour générer des profits, ce qui les rend moins susceptibles de créer des bulles spéculatives.
- 🌐 L'économie financière détachée de l'économie réelle peut conduire à une croissance non durable et à une augmentation des risques, comme le montre la crise financière mondiale.
- 💵 L'utilisation excessive de l'endettement et de la création de dettes peut entraîner une inflation artificielle et une augmentation des prix des biens et services.
- 🔄 L'islamique bancaire vise à promouvoir une économie axée sur le travail acharné, le risque et la récompense, plutôt que de favoriser une économie basée sur la spéculation et la dette.
- 🌱 L'islamique bancaire encourage une vision du monde axée sur la sagesse divine, la consommation responsable et la création d'une société axée sur les valeurs durables et éthiques.
Q & A
Comment les banques islamiques gagnent-elles de l'argent?
-Les banques islamiques gagnent de l'argent en investissant dans des actifs réels et en participant aux risques et récompenses associés à ces actifs, au lieu de prêter de l'argent et d'exiger des intérêts.
Quelle est la différence fondamentale entre les banques conventionnelles et les banques islamiques?
-Les banques conventionnelles peuvent prêter de l'argent et en recevoir plus tard, ce qui est interdit en islam. Les banques islamiques doivent lier leurs transactions à des actifs réels pour générer des profits.
Pourquoi l'argent ne doit-il pas être utilisé comme un bien vendu en islam?
-Selon l'islam, l'argent est un moyen d'échange et non un bien en soi. Il ne doit pas être utilisé comme un produit pour générer des profits, mais plutôt pour faciliter les échanges et les transactions.
Quelle est l'histoire racontée dans le script pour illustrer les principes de la finance islamique?
-L'histoire parle d'un père et d'un fils qui vont en pique-nique et se retrouvent avec de l'argent séché après une averse. Le fils utilise l'argent pour allumer un feu pour faire du thé, ce qui illustre l'utilisation incorrecte de l'argent selon les principes islamiques.
Comment les banques islamiques différencient-elles leurs produits des produits des banques conventionnelles?
-Les banques islamiques offrent des produits qui sont structurés pour être liés à des actifs réels, tels que des maisons ou des biens d'entreprise, plutôt que de simples prêts d'argent.
Pourquoi les intérêts sont-ils interdits en islam?
-Les intérêts sont interdits en islam car ils représentent un profit injustifié basé sur le prêt d'argent, et non sur la participation aux risques et récompenses liés à des actifs réels.
Comment les banques islamiques peuvent-elles faire des profits sans recourir aux intérêts?
-Les banques islamiques peuvent faire des profits en investissant dans des actifs, en prenant part aux bénéfices et aux pertes, et en offrant des services financiers qui sont directement liés aux transactions réelles.
Quels sont les défis que les banques islamiques rencontrent lorsqu'elles s'efforcent de se conformer aux principes islamiques?
-Les défis incluent la nécessité de trouver des méthodes de financement qui ne sont pas basées sur les intérêts, de lier leurs opérations à des actifs réels, et de s'assurer que toutes les transactions sont conformes aux lois de l'islam.
Quelle est la vision de l'économie que promeut la finance islamique?
-La finance islamique promeut une vision de l'économie axée sur le travail acharné, la prise de risques et la récompense associées à la possession et à la gestion d'actifs réels, plutôt que sur la spéculation et le gain de l'argent pour l'argent.
Comment la finance islamique peut-elle influencer la structure de l'économie globale?
-La finance islamique peut influencer l'économie globale en encourageant une plus grande intégration entre la finance et l'économie réelle, en réduisant la spéculation et en favorisant une croissance économique plus équilibrée et durable.
Outlines
😀 Introduction to Islamic Banking
Le présentateur accueille le public et introduit le sujet de la vidéo, qui porte sur la manière dont les banques islamiques ou les institutions financières islamiques gagnent de l'argent. Il suggère de préparer un café ou un thé pour assister à la discussion, qui se déroule dans un café. Il partage une anecdote pour illustrer les principes fondamentaux de la finance islamique, en expliquant que l'argent doit être utilisé comme un moyen d'échange et non comme un produit à vendre ou à louer. La vidéo met en contraste les méthodes de financement des banques conventionnelles et des banques islamiques, soulignant que dans la finance islamique, l'argent doit être lié à des actifs réels pour générer des profits.
🏦 Différences entre les banques conventionnelles et islamiques
Le présentateur explique que les banques conventionnelles peuvent prêter de l'argent et s'attendre à recevoir plus d'argent en retour, ce qui est considéré comme une pratique non conforme à la finance islamique. Dans un système islamique, les banques doivent acheter des actifs réels, comme une maison, puis les louer ou les vendre au client. Il est important de noter que, bien que les intérêts soient interdits, les profits liés aux transactions commerciales sont autorisés. La vidéo souligne que les banques islamiques doivent être impliquées dans l'économie réelle et ne pas se contenter de simples transactions monétaires, ce qui les distingue des banques conventionnelles.
🌐 Impact de la finance sur l'économie réelle
Le présentateur discute des conséquences de la financiarisation de l'économie, où l'accent est mis sur la création de profits à partir du mouvement de l'argent plutôt que de la production de biens et services réels. Il mentionne que cela peut conduire à une économie synthétique, où les investisseurs et les banques sont déconnectés des activités réelles et où les profits ne sont pas liés à la valeur ou au travail réel. Il souligne que cela peut entraîner une augmentation des prix et une diminution de la valeur du travail et de la production, car les gens sont incités à chercher des moyens faciles de gagner de l'argent plutôt que de se concentrer sur la création de valeur réelle.
🙏 Vers une économie axée sur les principes islamiques
Le présentateur conclut en appelant à un retour aux principes fondamentaux de la finance islamique, qui encouragent la connexion avec l'économie réelle et la récompense du travail et de la production de biens et services réels. Il suggère que cela pourrait aider à restaurer l'intégrité économique et à construire un système financier plus sain et centrée sur les valeurs divines, qui récompense les choses qui devraient l'être et ne favorise pas les activités nuisibles à la société.
Mindmap
Keywords
💡Banque islamique
💡Finance islamique
💡Intérêt
💡Actifs réels
💡Économie synthétique
💡Dette
💡Marché financier
💡Capitalisme
💡Sharia
💡Économie réelle
Highlights
Islamic banking operates on principles distinct from conventional banking, focusing on asset-backed transactions rather than interest-based lending.
The story of a father and son illustrates the importance of money's intended use in Islamic finance, highlighting the difference between Islamic and conventional financial practices.
In Islamic finance, money must be tied to a tangible asset or commodity to generate profit, as opposed to money lending which is prohibited.
Islamic banks are required to have a stake in the transactions they facilitate, ensuring a connection to the real economy.
The concept of 'interest-free' in Islamic banking does not imply 'profit-free'; profit is legitimate when tied to real assets or services.
Islamic banks engage in real estate transactions by buying and selling properties, instead of merely providing loans as conventional banks do.
The video discusses how financial systems that focus on money lending can lead to a synthetic economy detached from real economic activities.
Islamic banking aims to prevent the growth of a financial economy that is not linked to real assets, which can lead to economic bubbles and crises.
The video explains how linking banking to real assets can prevent the compounding effect of debt and the creation of financial products that lack real value.
Islamic finance encourages risk and reward associated with actual business activities, rather than profiting from money lending.
The video contrasts the incentivization of synthetic money-making methods with the Islamic approach, which values real economic contributions.
Islamic banking is presented as a means to restore economic integrity and build a financial system that is centered on ethical principles.
The video argues for a return to natural economic principles where profit is derived from hard work and real value creation.
Islamic finance is depicted as a system that discourages materialism and encourages a more sustainable and ethical approach to consumption and investment.
The video concludes by advocating for a financial system that rewards real economic activities and does not incentivize harmful practices.
Transcripts
asalam alaykum and welcome back to the
channel today we are having very
interesting topics often requested it's
about Islamic banking how do Islamic
Banks or Islamic financial institutions
make money so make yourself a nice cup
of coffee I'm here at the cafe enjoying
my coffee so you make your tea coffee
whatever you like and let let's get into
this episode
[Music]
so just before I posted the last YouTube
video my daughter asked me but how do
Islamic Banks actually make money how do
they do things differently from
conventional so let's start with a
simple principle when it comes to the
Islamic Finance I'll give you a story
that will illustrate this point and then
I will show you how if you understand
this story you will understand basically
everything or 90% of what's happening so
the story go something like this so one
day father and a son decided to go for a
picnic to nice beautiful mountain and
enjoy their time with the friends but as
they arrived to the location it started
to rain they they would really have a
time to unpack and prepare themselves so
the rain got everything wet and at that
same time group of their friends that
they were expecting arrived now as it is
a custom you normally prepare some tea
or coffee for your friends uh but now
everything was wet you couldn't make uh
fire so a father said to his son he says
my dear boy why don't you figure out
some way to make us a fire so we can
cook some tea son thought about it he
wanted to please his father do something
that is good make his father proud so he
went and looked around but he couldn't
find anything that was dry then he
remembered his father has got a metal
box in the tent in a in in a in another
box and inside that metal box there is
some money and what he knows about the
money is made from paper and it is in
Secure location so it is dry it in fact
is the only thing that is dry around
them so he gathered the pile of that
money he sets it on fire and soon after
that he prepares the tea now as he was
bringing the tea to the father and his
friends father was very happy he was
very proud of his son and he said to his
guest you see how clever my boy is there
is nothing dry around us yet he was able
to cook us tea so the question here
often becomes what will father do and
how he is going to react once he learn
the way his son prepare the tea it's
obvious father will not be pleased now
the question for you is is it is it
problem beer tea or the outcome or the
way we have arrived at that outcome so
if we link this to the everyday business
economy everybody wants to make money
profit have things that that they want
but where is the challenge challenge is
how do we get there so specifically in
this story what was the problem the
problem here was not just that the sun
didn't understand the value of money
it's that's not the essence of the
problem that's a mistake but the essence
of the problem was that he used the
money for the purpose that money was not
supposed to be used as money as a medium
of exchange something that help us bying
sell has a different purpose now you
could use it for burning it and creating
the fire but that's not what money is
meant to do what is meant to burn and
create a fire is a wood charcoal things
of that nature so to use money properly
in this case you should go to the store
and buy things and then use those things
for their intended purposes so what
Islam wants to see is that money
performs a function to help facilitate
the trade buying and selling and all the
other FS they do their function in
society now when it comes to the banking
the what we are doing with the money
these days is basically we are using
money as a commodity for sale so we take
money and then we give money to someone
and then we expect more money this is
the principle where two system
conventional and Islam basically diverge
in Islam if you want to make money money
must become some asset some commodity
something of value that has some benefit
or value in itself any that is sold or
leased or something is done that is
useful to generate profit for the
customer so the idea here is that
whenever you buy and sell Commodities
you are linking yourself with the
productive purposes with the real assets
whenever you are trading money for money
you are basically unlinking yourself
from the real economy you are letting
Financial economy grow one system then
incentivizes
work and production in a real economy
where other system will basically
incentivize the growth of money and this
is how this financial or synthetic
economy starts to grow so when it comes
to the bank then Islamic Bank and
conventional bank would differ in the
way that they finance things so
conventional Bank mostly would sell you
basically money they would give you
money let's say we're talking about home
loan you get some money as a loan to buy
by house so the house is not a subject
matter of a contract it's a collateral
so you're getting money and then you're
returning more money I understand on
simple level one could think just in
terms of well I'm getting the uh home to
buy and I'm just returning the same
money like anybody else but it's it's a
matter of a principle where in Islamic
Bank what you would see is that the bank
should actually buy that house and then
sell or lease house to you what is
confusing a lot of people is that they
say but I thought this is interest free
yes interest free doesn't mean profit
free now profit a lot of people confuse
this part when we say interest is
prohibited interest is profit as well
and business profit is profit as well so
what does interest mean in terms of
illegitimate profit is that it is result
of a transaction where Islam doesn't
want to see gain profit which is from
lending
money all this to say basically that
Islamic Bank will need to have some skin
in the game they will need to connect
themselves with the real economy a real
asset when they are getting benefit from
their money or from their business where
the other bank would basically just move
the money around so so on the basic
level that might look the same outcome
might look the same both might get the
same benefit from this at the end of the
day but once we start building now this
system what do we get we start
incentivizing this movement of money for
profit and then this starts filtering in
everything we want to go for Holiday we
want to just spend money for whatever we
start just we go into the loaning of
money we want to run a business we want
an investment it's not structured
anymore more as something that is
connected with the real life real a real
business a real investment we start
structuring everything just to be money
for money so over time investors Banks
anybody who has a capital is now unlink
from the real activities their profit
and everything doesn't come from real
life it comes from just movement of
money that generates the profit so this
Starts Now building whole different
economy you see in this economy people
become more risk averse they're looking
for easy opportunity to make money
they're starting get to this secure way
where no matter they would look at no
matter what happened with these
businesses they are expecting the same
return they don't want to risk anything
they don't want to be rewarded from the
fruits of the work or a business or
anything real they just want to be
rewarded from giving you that money so
that basically puts people at almost two
opposing ends on the other hand and when
it comes to Islamic Bank what starts
happening is because the bank is now
linked with the real life you cannot
have that compounding effect you cannot
have that unnatural growth because you
are tattered to the real things to the
real economy so we cannot have this
expansion of the credit bubble
derivatives Financial products leverage
that hugely increases this fictional
economy Financial economy that is is not
anymore linked with anything now as a
banker once you start thinking at a
higher level you are increasing this
debt and growing debt you are
incentivizing creation of the debt and
speed by which debt starts accumulate
everything become opportunity to create
more debt and then you start slicing and
selling the debt and creating more
derivatives and betting on thatt and
taking insurance and then you start
suddenly seeing what are we creating you
are creating economy where everybody
wants to get on the band wagon of
creating the Deb and so nobody can
compete with that so even the real
business start benchmarking themselves
against somebody who is making money
easy way so why would I grow food or
make bread or do real things where I can
also participate in this creation of the
death with no links with the real
economy so soon your products that you
are eating become fake because nobody
can compete with this synthetic way of
making money so that they would rather
make fake products and just sell you
something looks real for some profit
because they have to also return their
investors similar return like the people
who are doing nothing and getting money
more and more money as Return of the
growth of this financial economy so this
whole thing
incentivize the synthetic way of making
money and that start messing up with the
real economy because if you want in that
economy to grow real food for example do
the real hard work expect real return
from the ground from the you have a
wholesome product it's not rewarded
anymore because nobody now wants to wait
be slow be rewarded from the real fruits
of their labor so labor is diminished in
terms of how we value labor hard work
what what what should be rewarded what
is rewarded is these Bankers to more
clever ways they can spin money around
more clever derivatives they can make
out of it and so we end up in a
situation like we had in global
financial crisis where suddenly had this
whole economy started collapsing because
there was no reality into it and who
bails the burden average people they get
flood of these loans opportunities they
don't even know what's happening anymore
and the governments take it further they
start doing the same thing and
so to cover this they they start
printing more money and so we had this
whole system where money is printed
Financial economy is growing profits
needs to come on on the back of even
more financial productss that are being
created and so you now have a situation
where even the politicians the way they
manage this economy monetary policies is
simply by moving interest rates up and
down and these career politicians just
like these Bankers they don't have any
other tool that they know of how to
engage anymore in real things only thing
they know is charge more for money or
less for money and just take from you
Central Bank just increase interest
rates reach more into your pocket
extracts more money for you and they say
we're managing inflation is spit so you
see from the little principle once you
disconnect yourself from the real
economy the system becomes completely
different it become brutal it become war
against the people because the way
starts crumbling down incentivizing and
moving money it's a type of modern day
slavery that's why you see people
Shackled with the debt credit cards
loans mortgages this inflates price of
everything your normal house that you to
be uh you know $200,000 will become five
times more because of this whole gain
nothing is connected with the real
economy everything is built and is
leeching from that real economy so what
Islam wants to see Islam wants to return
us to the Natural State where your
profit comes from hard work providing
the benefit from linking yourself with
the risk and reward associating with
actually liability owning the asset
engaging into business providing some
benefit it's a different world view and
that world view is paired with a lot of
other layers in between how you are
consuming what are your aspirations
sense of gratitude content not just
jumping like what we see capitalism
materialism just in incentivizing just
owning more and more and more nobody
wants what they have everybody wants the
latest the new and there is that cycle
of materialism people get caught up
because easy debt everything become a
flood of ways to consume more credit
cards buy now pay later all of these
schemes are just making you spend more
and more and more and you are promised
just like our grandfather Adam in
Paradise if you just get one more
purchase if you just do this you'll be
happy like Angels Immortal this is the
promise of this
financialized secular materialistic
worldview that wants us to consume
because it's easy to structure these
transactions for the banks and the
providers that's why I believe returning
us to the original principle Timeless
principle seeking out wisdom of God in
these things can reveal reality for what
it really is and it can help us chart
the way forward to restore economic
integrity and build a better Financial
system system that is god- Centric that
is seeing human with all four dimensions
that is building the place that is
better place for all of us that rewards
the things that should be rewarded and
does not incentivize things that have
harmful detrimental impact on the
society thank you for spending time to
watch this video if you would like to
learn more about finance and economy
from Islamic perspective head to our new
platform Muslim Money Matters where we
go in much greater details regarding the
content until next next time my name is
Al chanam alikum
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