Is this thread still going? UFFFFFFF

This topic needs a lot more elucidation. Thx to Nur and company for their contributions. So in essence - what I got from this is: 1- The source of the funds is irrelevant(HSBC Amanah or HBSC) ; the transaction details is what matters 2- The bank must buy the property and therefore 'bears the risk' 3- The bank sells you the property at a price that adds a predetermined profit to their purchase price. (If they turn around and sell it to you at their purchase price + profit - what risk are they bearing exactly apart from ths usual default risk?) 4- Customer repays the loan + profit on a monthly basis ( in the event of a sale prior to full loan repayment who bears the risk of loss and who participates in the gains?) Is my understanding correct? What of the above steps is markedly different than from western financial institutions which would make the Islamic system different from riba based systems? In Islam if you need a loan and approach a person, there is a moral responsibility to give a loan with no interest. If that person, out of gratitude offers on their own to give back the loan plus some extra , its rightfully halaal to take ( Based oon Hadeeth of the Camel loaned to Prophet Muhammad SAWS), but to make it a condition before giving the laon is the Haraam. This fails to address the perceived 'scarcity' of wealth and people's innate selfishness. Is money 'free' in Islam? If I have an extra 30k that I have saved up for years - why should I lend to my neighbour who wishes to buy a car as opposed to investing it in some profit producing entreprise? Isn't it better for the whole community if I invest it in an entreprise rather than finance someone's consumption? Is it appropriate in Islam to ask for loans to finance what is in essence personal consumption (cars, houses etc) as opposed to a business concern? From the above treatment, we see that a Bank in the present form is un islamic, so to say " Islamic Bank" is an oxymoron, money in Islam should never be parked in vaults, its meant to circulate to benefit the community like a vital blood vein , Allah SWT says in Quraan " So that money does not (unjustly) circulate among the wealthy" which is the case in present day Banking. To get a loan today, you fill a kilometer long form, to prove to the Banker that you dont need any money to be trusted with a loan. Money in western banks does circulate - the mechanism for that circulation is interest rates. Additionally - money in all banks comes from the community - the money doesn't belong to the bank. They have a responsibility to make sure your cash deposits are not impaired. This then requires they mitigate risk of impairment by making loan applicants go through hoops. I am not sure it is unwarranted. How would an idealized hypothetical Islamic financial institution function? Would it not ensure that customers' deposits are safeguarded by checking out prospective loan applicants? Would it lend money to loan applicants at zero profit? etc.

^No I didn't. He injected politics into it I see. Ok. Does it matter if I'm one of them? Alow Alle. Eedo marada qabso yee ka siibanin! But this is getting out of hand. I'm out of this thread.

^Ala eedo - how did it go from a women with child looking for a lover in Uganda to "innocent people are dying and the so called peackeepers are responsible for it". If you want to duke it out with Emperor on the TFG there is a place for it. It's called Politics section.

^Adeer I think you have to excuse folks for not pinning any hopes on a political saviour in Somalia to get us out of this morass.

^We will hear Emperor's above words over and over again. Must you start in on us so early? And all that is being asked for, is after a long day of fasting and a night spent in cibaado some special food is made. That is not so much. Bloody Downers! Take a hike. The phrase is S&N

Oo maxaa jiraa? That is the whole point of the thread. What do you like at Afur? Dookh secret baa meesha la wataa ileen. That phrase should be banned. It is so overused on this forum!

^Adiga dookh xumidaa. Whatever fills the stomach kulaha. It's a special month for many reasons and deserves special food to be made. Pucca - I am a Somali male. I may choose to uphold any common standard and apply it as I see fit. That is the prerogative of my sex

^it's not just Yey and Nur Cade. You see the part where he dissed the Maxaakiimta - "The same squabbles and blunders are common in Maxaakiimta and other entities who supposedly lead and represent the Somali." I think Che is on the right path with that sentiment especially in light of the fiasco of the last 2 years.

^Eedo - this is a public story. Inevitably ppl will make judgements. If you do it in a restrained way it is ok. But at the end of the day everyone should MYOB. Kabood marka sheekedan. Ada sii wadaysid hada.

^Eedo is-daji. Xabash wala Xabash - I doubt would be prostitutes much care about the administration or lack of one.

Originally posted by Koora-Tuunshe: ^Adeer, I don't know where your rankling of the Beel's name emanates from , but this whole events is to facilitate open dialogue and build up consensus across communities that live in districts and villages across the regions of Bari, Sanaag and others. It's an effective way of communicating the General's platform and other agenda to the communities and strengthen mutual understanding of a planned comprehensive action. Emotionally blithe remarks aside, what proof might you present that they can't even clean the garbage? That is really a comic one. You insist on applying my comments to your particular beel and this particular candidate despite my insistence that it applies to Somalis in general. Don't be so prickly and defensive. Do not towns and cities in Puntland much like the rest of Somalia have garbage in the streets? Are you claiming Puntland's are neat and clean and the residing Beel ensures it is so? I look forward to see the answers here. I have a feeling I am not the only one to have made 'really a comic one' today

^Beel is about community. Somalis have Beel without meaning as I said. And it is not directed to yours specifically but to the general community of Somalis. A Beel is supposed to: - provide help to less fortunate members by calling on the tujar to provide funds - clear the streets of garbage and ensure simple cleanlilness - create bonds of kinship and responsibility between members of the beel etc As I said they can't even clear streets of garbage - but every locality no matter how minute has a beel this or beel that - and what is the beel for really- to provide a political platform for caloosha-u-shaqeestaayal or worse for armed conflict. BTW - remove the beel's name above - it's against the site rules.

The Politics section is thataway ------->

^War Beesha magaceeda meesha ka saar. Beel bila micna baa dilay Somalia. Beel xataa qashin meel ka qaaday weliga maragtey.

^La Xawl Wala Quwata ila billah! Odaygu gar buu leyehaay! If you can do elaborate you can do the simple Somali food too. Pucca - by hook or by crook! I just have to find a worthy candidate.

^Don't sweat it. Remember it's all agr . But I am afraid you will have to relinquish the etiquette crown.

^I see you have them well trained. Just a tip - every once in a while surprise them with a time consuming delicious dish. They will be your slaves forever.

^Abysmal display of etiquette from the Etiquette Queen! No charity meals at Ramadan - that's what the month is all about. *Mouth is agape* Nice flag. But it's Vive Le Canada. It's ok - anyone west of Ottawa is not expected to know that.

^It's not much of a repertoire you must admit It does take a lot of time. But as with anything - if you want it(and your whole family) you somehow make the time.

^Ho-Hum menu!

If you called their helpline you would have resolved this fery quickly.

^Waa runtaa. Raggii waagaas had something as opposed to today. Meesha Somali ka aflax wayday waa raggii. But I think prostitution is always a choice. La poverty wala lack of eduction or nothing makes someone do that. It's lack of character and morals. N - I think you're making excuses about it. EDIT: Why are we assuming she is a prostitute? She had a child out of wedlock - yes - but prostitutes don't ususally pursue wayward fathers. Ths is why MYOB is important.

'Poverty and lack of education will always lead to the road of prostitution.' Reeaaaaaaaaaalllllllllllyyyyy? Oo anaka - dumarkii ancestors no aha had no education and were poor. Are you telling us to revise how we think of our paternity? Walahi this could be revolutionary for the ab-tiris

One - I was kidding around. Two - I do disapprove - but I don't like people who trumpet their dispproval. It seems to me a little too high and mighty. Three - I honestly don't know what is sad about it. She wants this man and she has gone in search of him. Look at this from her perspective. I doubt she is sitting there feeling sorry for herself.