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Bankacılık sektörünün hızlı gelişimi neticesinde birçok müşteri evinde ve iş yerinde internet veya mobil bankacılık aracılığıyla her türlü işlemi yapabilmektedir. Havale, elektronik fon transferi gibi bankacılık işlemlerinin yanı sıra altın veya döviz alım satımı da bunlar içerisindedir. Müşteriler ile bankalar arasında gerçekleştirilen bu işlemlerin fıkhî yönünün belirtilmesi önemlidir. Fakihler arasında bankacılık işlemlerine vedîa, karz, icâre, kısmî vedîa ve müstakil bir akid şeklinde farklı yaklaşımlar olduğu görülmektedir. Her bir tanımlamanın artı ve eksilerinin analizinin yapılması gerekir. İslâm hukukunda faizli işlemlerden uzak durmak maksadıyla sarf akdine, diğer akitlere oranla daha fazla titizlikle yaklaşılmaktadır. Hz. Peygamber’in uyarıları da konunun hassasiyetini açıkça göstermektedir. Günümüz iktisat dünyasında internet ve mobil bankacılığın gelişimi, banka üzerinden altın ve döviz alım satımının aktif şekilde yapılmasını sağlamıştır. Müşteriler kurlardaki hareketliliği de takip ederek altın veya döviz alım satımı ile ticârî kazanç sağlamaya çalışmaktadır. Bu çalışmanın amacı, öncelikle, banka hesaplarının fıkhî temelini belirlemeye çalışmak, daha sonra da internet bankacılığı aracılığıyla yapılacak altın veya döviz alım satımının İslâm hukuku açısından değerlendirmesini yapmaktır.
As a result of the rapid development of the banking sector, many customers can make all kinds of transactions through the online or mobile banking in their homes and workplaces. In addition to banking transactions such as money remittance, the online and mobile banking systems offer customers to experience gold exchange contract and currency. It is important to specify the Islamic jurisprudence (fiqh) aspect of these transactions between customers and banks. In between faķihs who are canonists on Islamic law, there were many different approaches related operation of vadia, ķarę i.e delivery, icara and private 'akids. In Islamic law, the gold exchange contract is done more carefully than others to avoid from interest. The warnings of the Prophet indicate the sensitivity of the subject. In today's economic systems, the development of online and mobile banking has enabled gold exchange contract or currency exchange to be actively operated. Customers follow the movements in the rate of exchange and try to gain commercial profit by buying gold or currency. First, this study aims to determine the base of bank accounts according to Islamic law and then, to make an evaluation for gold exchange contract or currency exchange through the online and mobile banking and to evaluate Islamic law in terms of aķids i.e. contract theories.
As a result of the rapid development of the banking sector, many customers can make all kinds of transactions through the online or mobile banking in their homes and workplaces. In addition to banking transactions such as money remittance, EFT, the online and mobile banking systems offer customers to experience gold exchange contract and currency. It is important to specify the Islamic jurisprudence (fiqh) aspect of these transactions between customers and banks. In between faķihs who are canonists on Islamic law, there were many different approaches related operation of vadia, ķarę i.e delivery, icara and private ‘akids. In Islamic law, the gold exchange contract is done more carefully than others to avoid from interest. The warnings of the Prophet indicate the sensitivity of the subject. In today’s economic systems, the development of online and mobile banking has enabled gold exchange contract or currency exchange to be actively operated. Customers follow the movements in the rate of exchange and try to gain commercial profit by buying gold or currency. Firstly, this study aims to determine the base of bank accounts according to Islamic law and then, to make an evaluation for gold exchange contract or currency exchange through the online and mobile banking and to evaluate Islamic law in terms of aķids i.e contract theories.
Field : Sosyal, Beşeri ve İdari Bilimler
Journal Type : Ulusal
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