الريادة الاجتماعية و دورها في حل مشكلة التمويل غير الإسلامي : جمعيات الإقراض المتبادل أنموذجا

الملخص EN

Social entrepreneurship is a complex term with a broad meaning that refers to the creative ideas and innovative actions that members of society create with practical steps that constitute a path to renaissance, development and progress.

Islam has included as a comprehensive legislation life regulations that ensure, when applied, the creation of a comprehensive renaissance in the place in which it is applied, and among the most important of these systems is the economic system that is based on realistic idealism that prevents bottlenecks and social problems of a financial nature, and since the prohibition of dealing with interest-based financing is one of the most important aspects of the system The Islamic economist, as this ban was met by pioneering ideas from individuals that maintain this appearance and prevent the spread of this dangerous scourge that destroys the economy and spreads hatred among members of society.

Among the pioneering ideas that have appeared in some Islamic societies to meet the individual need for money without prejudice to or deviating from the principles of Islamic legislation is resorting to obtaining money by means of financing by fulfilling the benefit of cash in the so-called mutual lending societies, which is an innovative way to obtain halal financing created by the need of individuals to obtain access.

On money to spend and meet needs, developed by the collective mind committed to staying away from usurious transactions.

The basis for this transaction and the spread of this transaction is thinking of devising a method that meets the need to obtain money without resorting to borrowing with interest among groups of people who do not wish to deal with commercial banks with borrowing.

Because commercial banks do not avoid in their business transactions that are forbidden by legislation, and focus in their business on usury that is based on exploiting people's need for money and meeting this need in exchange for a conditional increase upon returning money, and this is what Shari’a forbids in dealing with money lending, because of what it involves in the conduct of money.

To usury, which is forbidden according to Sharia.

The idea of mutual lending associations is based on the meeting of a specified number of individuals and each of them submitting a known amount of money so that this amount is collected from the total of the participants, then this amount is paid to one of the group members who benefits from it and then returns it to the miner in specific payments and in a specific period of time.

The benefits of this sum are on all members of the group, each at the time of his turn, even if all members have met the use of the money, this association will be dissolved after the individual has recovered the full amount that was used by others.

The research has shown that this method of financing is permissible and permissible, and that it is one of the leading methods of obtaining money without falling into usury, and that this individual method is subject to development and transfer to become an institutional work that replaces interest-based financing institutions and is a substitute for them.