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Islami Banking

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Submitted By raju01723031884
Words 2436
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Rvnv½xibMi wek¦we`¨vjq
QvÎ-QvÎx fwZ© dig
1g el© mœvZK (m¤§vb)

†kªYx µwgK msL¨v .................................. fwZ© µwgK msL¨v ..............................

ZvwjKv fyw³i (†iwR‡÷ªkb) msL¨v .................................. wk¶vel© 2011- 2012

ÁvZe¨ t
(K) QvÎ-QvÎx‡K fwZ©i Av‡e`bcÎ Aek¨B wbR nv‡Z c~iY Ki‡Z n‡e|
(L) mœvZK (m¤§vb) †kªYx‡Z fwZ©i Rb¨ QvÎ-QvÎx‡K 7 Kwc cvm‡cvU© AvKv‡ii m`¨ †Zvjv mZ¨vwqZ Qwe, gva¨wgK I D”P gva¨wgK/mggv‡bi cix¶vmg~‡ni g~j b¤^icÎ, gva¨wgK cix¶vi g~j mvwU©wd‡KU, ¯‹zj I K‡j‡Ri g~j cÖksmvcÎ Ges G¸‡jvi cÖ‡Z¨KwUi GKwU K‡i mZ¨vwqZ d‡UvKwc GZ`m‡½ Rgv w`‡Z n‡e| n‡j Avmb †bqvi mgq Av‡iv 3 Kwc Qwe Rgv w`‡Z n‡e|
(M) n‡j Avmb †bqvi mgq cÖ‡fv÷ KZ…©K ¯’vbxq AwffveK Aek¨B Aby‡gvw`Z n‡Z n‡e|
(N) Awffve‡Ki Av‡qi e¨vcv‡i wek¦vm‡hvM¨ cÖgvYcÎ `vwLj Ki‡Z n‡e|

1| (K) QvÎ/QvÎxi cy‡iv bvg ( evsjvq ¯úóv¶‡i) t .................................................................................................................. (Bs‡iRx‡Z eo nv‡Zi ¯úó A¶‡i) t (gva¨wgK/mggv‡bi mvwU©wd‡KU Abyhvqx)

(L) WvK bvg t ...................................................................................................................................

2| Rb¥ ZvwiL (gva¨wgK/mggv‡bi cix¶vi mvwU©wd‡KU Abyhvqx) t...............................................................................

3| wcZvi bvg t (evsjv I Bs‡iRx‡Z ¯úóv¶‡i) ....................................... ...................................................................................................

4| gvZvi bvg t (evsjv I Bs‡iRx‡Z ¯úóv¶‡i) ...........................................................................................................................................

5| Awffve‡Ki bvg I wVKvbv (wcZv-gvZv bv _vK‡j) t ..........................................................................................

6| ag© t ..................................................................... RvZxqZv t .................................................................

7| wVKvbv t ¯’vqx t.........................................................................................................................................

.........................................................................................................................................
.
eZ©gvb t ........................................................................................................................................

........................................................................................................................................

8| wcZv/Awffve‡Ki †ckv (c`gh©v`v I Kg©¯’‡ji wVKvbvmn) t..................................................................................

†Uwj‡dvb b¤^i t .............................

QvÎ-QvÎxi †Uwj‡dvb b¤^i t .......................................... Awffve‡Ki gvwmK Avq t...............................................

9| †kªYxi bvg t 1g el© mœvZK (m¤§vb) 10| fwZ©i wefvM t .............................................................................

11| QvÎ-QvÎxi DËxY© cix¶vmg~‡ni weeiY t

DËxY© cix¶vi bvg wk¶v †evW© wk¶v cÖwZôvb
¯‹zj/ K‡jR cix¶vi el© cÖvß wRwcG †h wel‡q/ †h me wel‡q cix¶v n‡q‡Q weÁvb/ gvbweK/ evwYR¨/
Ab¨vb¨
gva¨wgK/mggvb
D”P gva¨wgK/mggvb

12| Aa¨q‡b KL‡bv weiwZ N‡U _vK‡j Zvi KviY t `vwi`ª¨/Amy¯’Zv/wk¶v cÖwZôvb KZ…©K ewn¯‹vi/eva¨Zvg~jK e`jx/ cix¶vq AK…ZKvh©Zv/A_ev ......................................................................................................................................
13| G wek¦we`¨vj‡qi Ab¨ wefvM A_ev Ab¨ †Kvb wk¶v cÖwZôv‡b fwZ© n‡q _vK‡j D³ wefvM I wk¶v cÖwZôv‡bi bvg I wVKvbv D‡j­L Ki‡Z n‡e| wk¶v cÖwZôvb t .........................................................................................................................................

wefvM t .......................................................... wk¶vel© t ......................................................................... wVKvbv t ..................................................................................................................................................

14| QvÎ-QvÎx c~‡e© KLbI G wek¦we`¨vj‡q Aa¨qb K‡i _vK‡j mswk­ó wefvM I n‡ji bvg D‡j­L Ki‡Z n‡e|

wefvM t................................................ wk¶vel© t ........................................ nj t......................................

15| ¯’vbxq Awffve‡Ki bvg t .............................................................................................................................

wVKvbv I †Uwj‡dvb b¤^i t ............................................................................................................................

¯’vbxq Awffve‡Ki ¯^v¶i t ...........................................................................................................................

†NvlYv cÎ

K. Avwg †NvlYv KiwQ †h, Avwg wbR nv‡Z GB Av‡e`b cÎwU c~iY K‡iwQ| Dc‡i cÖ`Ë mKj Z_¨vw` m¤ú~Y© mZ¨ Ges Avgvi ¯’vbxq Awffve‡Ki ¯^v¶i mwVK|
L. Avwg GB g‡g© A½xKvi KiwQ †h, wek¦we`¨vj‡qi QvÎ/QvÎx k„•Ljv msµvš— wewagvjv, cix¶v Aa¨v‡`k Ges QvÎvevm/QvÎxwbevm Aa¨v‡`kmg~n, wewagvjv Ges wek¦we`¨vj‡q cÖPwjZ I cÖYxZe¨ mswk­ó Ab¨ mKj AvBb-Kvbyb †g‡b Pje Ges wek¦we`¨vj‡qi DcvPvh© Ges Ab¨vb¨ wk¶K, Awdmvi I Kg©PvixM‡Yi cÖwZ Dchy³ m¤§vb cÖ`k©b Kie|
M. Avwg AviI A½xKvi KiwQ †h, Avwg wek¦we`¨vj‡qi eivÏK…Z AvevwmK n‡j/ K¨v¤úv‡m emevm Ki‡Z eva¨ _vK‡ev|

............................... cixw¶Z Ges fwZ©i Rb¨ †hvM¨ we‡ewPZ| QvÎ/QvÎxi ¯^v¶i

ZvwiL t ...............

......................................................... ................................ ......................... Wxb Awd‡m wefvMxq cÖwZwbwa/wk¶‡Ki ¯^v¶i wefvMxq mfvcwZi ¯^v¶i Wxb/cwiPvj‡Ki ¯^v¶i (mœvZK †kªYxi fwZ©i †¶‡Î)

fwZ© Aby‡gvw`Z

........................................ ............................... ............................. kvLv mnKvix/cÖkvmwbK Awdmvi mnKvix †iwR÷ªvi (wk¶v) †WcywU †iwR÷ªvi (wk¶v) (wk¶v kvLv)

AvevwmK n‡j fwZ© I ¯’vbxq AwffveK Aby‡gvw`Z ............................. cÖ‡fv‡÷i ¯^v¶i I mxj

Rvnv½xibMi wek¦we`¨vjq fwZ©i weeiYcÎ wk¶vel© : 2011-2012 mœvZK (m¤§vb)

Rvnv½xibMi wek¦we`¨vjq 1970 m‡bi 20 AvMó evsjv‡`‡ki GKgvÎ AvevwmK wek¦we`¨vjq wn‡m‡e cÖwZwôZ nq| 1971 mv‡ji 12 Rvbyqvwi AvbyôvwbKfv‡e wek¦we`¨vj‡q K¬vm ïi“ nq| wek¦we`¨vj‡q eZ©gv‡b QqwU Abyl` Ges `yBwU BÝwUwUD‡Ui Aax‡b 35wU wefvM i‡q‡Q| Qv·`i Rb¨ 7wU Ges QvÎx‡`i Rb¨ 5wU AvevwmK nj i‡q‡Q| eZ©gv‡b wek¦we`¨vj‡q Aa¨qbiZ QvÎ-QvÎxi msL¨v cÖvq 11,500| wek¦we`¨vj‡qi QvÎ-QvÎx‡`i wewfbœ my‡hvM-myweavi Ask wn‡m‡e AvaywbK MÖš’vMvi, kixiPP©vi Rb¨ e„n`vqZb e¨vqvgvMvi, †K›`ªxq K¨v‡d‡Uwiqv, †Ljvi gvV, AvaywbK AwW‡Uvwiqvg Ges knx`‡`i ¯§i‡Y †`‡ki me‡P‡q DuPz (71 dzU) knx` wgbvi GB wek¦we`¨vjq K¨v¤úv‡m Aew¯’Z|

eZ©gvb wk¶ve‡l© wbgœwjwLZ wefv‡M QvÎ-QvÎx fwZ© Kiv n‡e :

Kjv I gvbweKx Abyl` mgvRweÁvb Abyl`
1. Avš—R©vwZK m¤úK© 1. A_©bxwZ
2. Bs‡iRx 2. b„weÁvb
3. BwZnvm 3. bMi I AÂj cwiKíbv
4. `k©b 4. f~‡Mvj I cwi‡ek
5. bvUK I bvU¨ZË¡ 5. miKvi I ivRbxwZ
6. cÖZœZË¡ 6. †jvK cÖkvmb
7. evsjv
8. RvY©vwjRg GÛ wgwWqv ÷vwWR

MvwYwZK I c`v_©welqK Abyl` RxeweÁvb Abyl`

1. Kw¤úDUvi mv‡qÝ GÛ BwÄwbqvwis 1. Dw™¢`weÁvb
2. MwYZ 2. cÖvYimvqb I AbycÖvY weÁvb
3. c`v_©weÁvb 3. cÖvwYwe`¨v
4. cwi‡ek weÁvb 4. dv‡g©mx
5. cwimsL¨vb 5. gvB‡µvev‡qvjRx
6. f~ZvwË¡K weÁvb 6. ev‡qv‡UK‡bvjRx GÛ †R‡bwUK BwÄwbqvwis
7. imvqb 7. cvewjK †nj_& GÛ Bbdi‡gwU•

weR‡bm ÷vwWR Abyl` AvBb Abyl`
1. wdb¨vÝ GÛ e¨vswKs 1. AvBb I wePvi
2. gv‡K©wUs
3. GKvDw›Us GÛ Bbdi‡gkb wm‡÷g
4. g¨v‡bR‡g›U ÷vwWR Bbw÷wUDU Ae weR‡bm A¨vWwgwb‡÷ªkb (IBA-JU) Bbw÷wUDU Ae Bbdi‡gkb †UK‡bvjwR

1. weweG †cÖvMÖvg 1. Bbdi‡gkb †UK‡bvjwR

fwZ©i Rb¨ wbe©vwPZ mKj QvÎ-QvÎx‡K
(K) wefvM/Bbw÷wUDU †_‡K msM„nxZ fwZ© dig, ‡iwR‡÷ªkb dig, Z_¨ dig Ges Bb‡W• KvW© h_vh_fv‡e c~iY c~e©K m`¨ †Zvjv 8 Kwc cvm‡cvU© AvKv‡ii iwOb Qwe (cÖZ¨qb e¨ZxZ), gva¨wgK I D”P gva¨wgK/mggv‡bi cix¶vmg~‡ni g~j b¤^icÎ, gva¨wgK cix¶vi g~j mb`cÎ Ges gva¨wgK I D”P gva¨wgK wk¶v cÖwZôv‡bi cÖksmvcÎ Ges wek¦we`¨vj‡qi wk¶K A_ev †h †Kv‡bv cÖ_g †kªYxi Awdmvi KZ„©K Awffve‡Ki gvwmK Av‡qi mb`cÎ mswk­ó wefv‡M Rgv w`‡Z n‡e Ges G¸‡jvi cÖ‡Z¨KwUi GKwU K‡i mZ¨vwqZ d‡UvKwcI GKB m‡½ `vwLj Ki‡Z n‡e| ewY©Z mKj g~j mb`cÎ I Qwe cix¶vc~e©K fwZ© di‡g Abyl` Wxb/Bbw÷wUD‡Ui cwiPvjK, wefvMxq mfvcwZ I BDwbU Awd‡m wefvMxq cÖwZwbwai ¯^v¶i Ges Qwe‡Z ïay BDwbU cÖav‡bi ¯^v¶imn fwZ© dig †WcywU †iwR÷ªvi (wk¶v) Gi Kv‡Q †cÖiY Ki‡Z n‡e|

(L) cieZ©x ch©v‡q fwZ©i Rb¨ cÖ‡qvRbxq UvKv AMÖYx e¨vsK wjt Rvnv½xibMi wek¦we`¨vjq kvLvq Rgv †`qvi Rb¨ †WcywU ‡iwR÷ªvi (wk¶v) KZ…©K cÖ‡Z¨K QvÎQvÎxi Rb¨ GKwU K‡i ÔAbygwZ cÎÕ Bmy¨ Kiv n‡e| D³ ÔAbygwZ cÎÕ Abyhvqx wba©vwiZ mg‡qi g‡a¨ AMÖYx e¨vs‡K UvKv Rgv w`‡q ÔAbygwZ cÎÕ wk¶v kvLvq cybivq Rgv †`Iqvi ci fwZ© Aby‡gvw`Z e‡j we‡ewPZ n‡e| †Kv‡bv QvÎQvÎx D³ ÔAbygwZcÎÕ Rgv w`‡Z e¨_© n‡j Zvi fwZ© Kvh©Ki n‡e bv|
GKvwaK wefv‡M fwZ© I fwZ© evwZj :

(K) hw` †Kv‡bv QvÎQvÎx fwZ©i wbw`©ó mgqmxgvi g‡a¨ GKvwaK wefv‡M fwZ© nq, Zvn‡j †m me©‡kl †h wefv‡M fwZ© n‡e †mB wefv‡MB Zvi fwZ© envj _vK‡e Ges c~e©Zb fwZ© evwZj Ki‡Z n‡e|
(L) ‡Kv‡bv QvÎQvÎx Ab¨ wek¦we`¨vjq/wk¶v cÖwZôvb KZ…©K ewn¯‹…Z n‡q wek¦we`¨vjq KZ…©c‡¶i `„wó Gwo‡q wKsev wg_¨v Z_¨ cwi‡ekb K‡i fwZ© n‡j Ges cieZ©x ch©v‡q Zv cÖgvwYZ n‡j Zvi fwZ© evwZj Kiv n‡e Ges wek¦we`¨vjq KZ…©c¶ Zvi wei“‡× AvBbvbyM kvw¯—g~jK e¨e¯’v MÖnY Ki‡e|
(M) fwZ© cÖwµqvi †h †Kv‡bv ch©v‡q A_ev fwZ©i c‡iI hw` †Kv‡bv QvÎQvÎx fwZ© cix¶vq Am`ycvq Aej¤^b K‡iwQj e‡j cÖgvwYZ nq Z‡e Zvi fwZ© evwZj Kiv n‡e|
(N) fwZ©K…Z †Kv‡bv QvÎQvÎx wefvMxq mfvcwZi c~e©vby‡gv`b e¨ZxZ K¬vm ïi“i ZvwiL n‡Z GKvw`µ‡g 10 w`b K¬v‡m (Kg©w`em) Abycw¯’Z _vK‡j A_ev K¬v‡m Zvi Dcw¯’wZ m‡š—vlRbK bv n‡j wefvMxq mfvcwZi wi‡cv‡U©i wfwˇZ mswk­ó QvÎQvÎxi fwZ© evwZj Kiv n‡e|

AvevwmK nj :

AvevwmK wek¦we`¨vj‡qi wk¶v_©x wn‡m‡e cÖ‡Z¨K QvÎQvÎxi (†cvl¨ e¨ZxZ) Aek¨B wek¦we`¨vj‡qi AvevwmK n‡j Ae¯’vb Ki‡Z n‡e| wek¦we`¨vj‡qi Aa¨v‡`k Abyhvqx n‡ji mKj wbqg-Kvbyb, wewa, Aa¨v‡`k I mswewamg~n †g‡b Pj‡Z n‡e| GKevi †Kv‡bv GKwU n‡j Avmb eiv‡Ïi ci KvD‡K Ab¨ †Kv‡bv n‡j ¯’vbvš—‡ii AbygwZ †`qv n‡e bv| †cvl¨ wn‡m‡e fwZ©K…Z QvÎQvÎx‡`i‡K wek¦we`¨vj‡qi †h †Kv‡bv GKwU AvevwmK n‡ji m‡½ mshy³ Kiv n‡e| Z‡e Zviv †Kv‡bv ch©v‡q n‡j Ae¯’vb Ki‡Z cvi‡e bv| †cvl¨‡`i fwZ©i mgq Awffve‡Ki Av‡qi mb` `vwL‡ji cÖ‡qvRb †bB|

we‡kl `ªóe¨ :

(K) Kjv I gvbweKx Abyl‡`i Aš—f~©³ bvUK I bvU¨ZË¡ wefvM, mgvRweÁvb Abyl‡`i wewfbœ wefvM (miKvi I ivRbxwZ, b„weÁvb I †jvK cÖkvmb wefvM e¨ZxZ) weR‡bm ÷vwWR Abyl`, Bbw÷wUDUmg~n, MvwYwZK I c`v_©welqK Abyl` Ges RxeweÁvb Abyl` Gi mKj wefv‡Mi Rb¨ evrmwiK j¨ve‡iUix Kw›Ub‡RÝx dx cwi‡kva Ki‡Z n‡e|
(L) †eZb : Kjv I gvbweKx Abyl`, AvBb Abyl`, mgvRweÁvb Abyl`,weR‡bm ÷vwWR Abyl‡`i Aš—f~©³ wefvMmg~‡ni Ges AvBweG-‡RBD Gi weweG †cÖvMÖv‡gi QvÎQvÎx‡`i cÖwZ gv‡m 10.00 UvKv nv‡i Ges MvwYwZK I c`v_©welqK Abyl` I RxeweÁvb Abyl‡`i Aš—f~©³ wefvMmg~‡ni Ges Bbdi‡gkb †UK‡bvjwR wel‡q QvÎQvÎx‡`i‡K cÖwZ gv‡m 12.00 UvKv nv‡i †eZb w`‡Z n‡e|
(M) mxU fvov : GK mxU wewkó K‡¶i Rb¨ cÖwZ gv‡m cÖ‡Z¨K QvÎQvÎx‡K 8.00 UvKv nv‡i Ges GKvwaK mxU wewkó K‡¶i cÖwZ mx‡Ui Rb¨ cÖwZ gv‡m cÖ‡Z¨K QvÎQvÎx‡K 5.00 UvKv nv‡i mxU fvov w`‡Z n‡e|
(N) 8 Ges 9 µwg‡Ki Aš—f~©³ dxmg~n RvgvbZ wn‡m‡e wek¦we`¨vjq Znwe‡j Rgv _vK‡e| wk¶v Kvh©µg mgvc‡bi ci D³ UvKv †diZ †`qv n‡e| Z‡e wek¦we`¨vj‡qi Kv‡Q QvÎ-QvÎx‡`i †Kv‡bv `vq †`bv _vK‡j D³ RvgvbZ †_‡K Zv †K‡U ivLv n‡e|
(O) †cvl¨ wn‡m‡e fwZ©K…Z QvÎQvÎx‡K gvwmK UvKv 10/- nv‡i †cvl¨ dx cwi‡kva Ki‡Z n‡e| GB dx mswk­ó QvÎvevm/QvÎxwbevm KZ…©K Av`vq Kiv n‡e|
(P) QvÎQvÎx‡`i gvwmK †eZb I nj mxU fvov cÖwZ gv‡mi 15 Zvwi‡Li g‡a¨ webv Rwigvbvq I 16 ZvwiL n‡Z gv‡mi †kl w`b ch©š— cÖwZw`b UvKv 0.10 nv‡i Rwigvbvmn cwi‡kva Kiv hv‡e| Ab¨_vq cieZ©x gv‡m Zv‡`i bvg KvUv hv‡e|
(Q) wek¦we`¨vj‡qi †Kv‡bv QvÎQvÎx B”Qv Ki‡j AwMÖg me©vwaK 12 (evi) gv‡mi †eZb I Ab¨vb¨ †`q GKKvjxb cwi‡kva Ki‡Z cvi‡e|
(R) †h mKj QvÎQvÎx G wek¦we`¨vjq †_‡K fwZ© evwZj Ki‡e A_ev mvgwqKfv‡e mvwU©wd‡KU D‡Ëvjb Ki‡e Zv‡`i‡K fwZ© evwZj dx 2000/-(`yB nvRvi) UvKv Ges wba©vwiZ mg‡qi c~‡e© mvgwqKfv‡e mvwU©wd‡KU D‡Ëvjb dx eve` 1000/-(GK nvRvi) UvKv cÖ`vb Ki‡Z n‡e| †Kv‡bv QvÎQvÎx fwZ© evwZj K‡i GKB wk¶ve‡l© wba©vwiZ mg‡qi g‡a¨ wek¦we`¨vj‡qi Ab¨ †Kv‡bv wefv‡M fwZ© n‡j Zv‡`i †¶‡Î fwZ© evwZj dx eve` 1000/-(GK nvRvi) UvKv cÖ`vb Ki‡Z n‡e|

we‡kl ÁvZe¨

(K) †h mKj QvÎQvÎx evsjv‡`‡ki gva¨wgK I D”P gva¨wgK wk¶v †evW© e¨ZxZ Ab¨ †Kv‡bv wk¶v cÖwZôvb †_‡K mggv‡bi †hvM¨Zv wbi“cK cix¶vq DËxY© n‡q‡Q †m mKj QvÎQvÎx‡K fwZ©i mgq mswk­ó wk¶v cÖwZôv‡bi gvB‡MÖkb mvwU©wd‡KU Aek¨B Rgv w`‡Z n‡e|
(L) fwZ© di‡g cÖ`Ë QvÎQvÎxi ¯^v¶‡ii m‡½ cieZ©x mg‡qi ¯^v¶‡ii †Kv‡bv Miwgj cwijw¶Z n‡j wewa Abyhvqx mswk­ó QvÎQvÎxi wei“‡× Dchy³ e¨e¯’v †bqv n‡e|
(M) Ab¨ †Kv‡bv K‡jR/wek¦we`¨vj‡q fwZ©K…Z/Aa¨qbiZ †Kv‡bv QvÎQvÎx fwZ©i Rb¨ wbe©vwPZ n‡q _vK‡j GB wek¦we`¨vj‡q fwZ©i c~‡e© Aek¨B Zv‡K fwZ© evwZj/gvB‡MÖkb mvwU©wd‡KU Rgv w`‡Z n‡e|
(N) QvÎQvÎx‡`i‡K Aek¨B wek¦we`¨vj‡qi cÖPwjZ I cÖwYZe¨ AvBb-Kvbyb, wbqg, wewa, Aa¨v‡`k I mswewamg~n †g‡b Pj‡Z n‡e Ges Kg©iZ mKj wk¶K, Kg©KZ©v I Kg©Pvixi cÖwZ Dchy³ m¤§vb cÖ`k©b Ki‡Z n‡e|

¯^v¶i/- †WcywU †iwR÷ªvi (wk¶v) I mwPe, †K›`ªxq fwZ© cwiPvjbv KwgwU

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