Qazaqstanda diny oryndardyng jana baghyty – meshitterde halyqqa tegin qarjylyq sauattylyq pen islam qarjysynyng negizderin ýiretetin seminarlardyng bastalghany qoghamda ýlken qyzyghushylyq tudyrdy.

Bastamashysy – Qazaqstan músylmandary diny basqarmasy (QMDB), al qanat qaqty joba Astanadaghy «Hazret Súltan» meshitinen bastau alyp, aldaghy uaqytta Almaty men ózge de ónirlerge taratylmaq.

Búl qadam jay ghana aghartushylyq shara emes, elimizdegi qarjy naryghynyng erekshelikteri men Ortalyq Aziyadaghy jalpy ýrdister túrghysynan tereng saraptamany qajet etetin manyzdy ýrdis te bolyp tabylady.

Álemdik masshtab: Býginde jahandyq islam qarjy naryghynyng kólemi 6,5 trillion dollardy qúraydy jәne 2030 jylgha qaray 10,5 trillion dollargha jetedi dep boljanuda. Álemdik aksiyalar kapitalizasiyasynyng shamamen 24%-y (40 trln dollargha juyq) sharighat standarttaryna sәikes keledi.

Ónirlik kóshbasshylyq: EABR-dyng 2025 jylghy baghalauy boyynsha, Ortalyq Aziyadaghy islam qarjy aktivterining jalpy kólemi 962 million dollar shamasynda. Búl tizimde Qazaqstan 660 million dollarlyq aktivteri bar eki islam bankimen (ADCB jәne Zaman Bank) aimaqta kósh bastap túr.

Seminarlardy úiymdastyru kezinde QMDB sanaly týrde qarjy instituttary men kommersiyalyq kompaniyalardyng mamandaryn tartpaghan. Múnyng basty sebebi – kommersiyalyq mýddeni (mýddeler qaqtyghysyn) boldyrmau jәne halyqtyng senimin saqtau.

Elimizde islam qarjysyn retteytin jeke memlekettik organnyng әli de tolyq qalyptaspaghany QMDB-na ýlken jauapkershilik jýkteydi. Meshitter arqyly halyqqa adal (halal) qarjy qúraldaryn týsindiru – qarjylyq sauattylyqty arttyryp qana qoymay, azamattardy alayaqtyq pen haram qarjylyq piramidalardan qorghaudyng tiyimdi qúralyna ainalyp otyr.

Islam qarjysy men banktik jýiesin damytuda kórshiles elder men týrik әlemining tәjiriybesi әrtýrli baghytta damyp keledi:

Ózbekstan songhy jyldary islam qarjy naryghyn zannamalyq túrghydan retteuge erekshe kónil bólude. Olar búl salany diny basqarmanyng dengeyinde emes, tikeley memlekettik zandar men banktik jýiege engizu arqyly damytuda (arnayy zandar qabyldanyp, islam terezeleri ashyluda). Degenmen, halyqtyng qarapayym qarjylyq sauattylyghy men sharighat standarttaryn týsinui boyynsha Qazaqstandaghyday qoghamdyq-diny týsindiru júmystary әli de jýielenu ýstinde.

Qyrghyzstan Ortalyq Aziyada islam bankingi men qarjysyn zannamalyq túrghydan alghashqylardyng biri bolyp rettegen elderding qataryna kiredi («EkoIslamikBank» siyaqty pionerler júmys isteydi). Alayda olarda búl jýie kóbinese banktik sektor men halyqaralyq úiymdardyng dengeyinde qalyp qoydy, al Qazaqstandaghyday jappay meshit qabyrghasynda qarjylyq sauattylyqty tegin ýiretu tәjiriybesi әzirge keng tarala qoyghan joq.

Týrkiyada «qatysu bankteri» (Katılım Bankaları) jýiesi memleketting tikeley qoldauymen quatty damyghan. Zraat, Vakif jәne basqa da memlekettik bankterding janynan islam bankteri ashylyp, ekonomikanyng manyzdy bóligine ainaldy. Týrkiya diny basqarmasy (Diyanet) qarjylyq standarttardy qadaghalaugha qatysqanymen, negizgi júmys kәsiby qarjy instituttary men uniyversiytetter arqyly jýzege asyrylady.

Sóz týiini: Qazaqstannyng tәsili basqa elderden ereksheligi – múnda bastama tómennen jogharygha (qoghamdyq súranys pen diny basqarmanyng bastamasy) qaray baghyttalghan. Ózbekstan men Týrkiya búl salany zannamalyq-institusionaldyq túrghydan jogharydan tómen qaray qatang jýielese, Qazaqstan qarapayym halyqtyng qarjylyq sauattylyghyn arttyru arqyly bolashaq islam qarjy naryghyna sanaly tútynushylardy dayyndaugha bel sheshe kiristi.

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