❓ Question
🏛️ HanafiyRasmiy davlat banklari foizi harommi?
📗 Ruling
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AI-Assisted Islamic Jurisprudence ReviewThis answer is compiled via AI research referencing authentic Sunni fiqh literature and Diyanet standards. For binding personal legal verdicts, please consult official Islamic authorities.
Aziz birodarim,
Xanifiy mazhabiga mansub musulmon sifatida, rasmiy davlat banklari tomonidan qo'llaniladigan foiz masalasidagi savolingizga Qur'on va Sunnat asosida javob bermoqchiman.
Iymonda foiz (riba) qat'iy harom qilingan. Qur'oni Karimda ko'plab oyatlarda foizdan uzoq turish buyurilgan. Masalan, Baqara surasining 275-oyatida shunday deyiladi: "Alloh savdoni halol, foizni esa harom qilgan."
Payg'ambarimiz (sallallohu alayhi vasallam) ham hadisi shariflarida foiz olgan, bergan, yozgan va guvohlik qilganlarni la'natlagan. Bu umumiy hukm davlat banklari tomonidan qo'llaniladigan foizlar uchun ham amal qiladi.
Xanifiy mazhabida foizning haromligi borasida hech qanday ixtilof yo'q. Davlat banklarining faoliyati tijoriy faoliyat kabi ko'rinsa-da, asosida foiz daromadi olishlari sababli bu hol caiz ko'rilmaydi.
Shu sababli, rasmiy davlat banklaridan foiz evaziga pul olish yoki foiz evaziga pul berish, Xanifiy mazhabiga ko'ra haromdir. Bunday muomalalarda bo'lganlarga, imkon qadar halol yo'llarga murojaat qilish tavsiya etiladi.
Allohning rizoligini qozonish yo'lida qadamlaringizda muvaffaqiyat tilayman.
✓ Scholarly Islamic Sources & Editorial Verification📅 Scholarly Verification Date: October 2026
Jurisprudential Methodology & Sources: This ruling is derived in accordance with authentic Quranic verses, Sahih Hadith collections, classical fiqh authorities (al-Mabsut, al-Hidayah, al-Umm, Radd al-Muhtar), and reputable international Islamic scholarly consensus, followed by thorough editorial review.
⚖️ For personal, disputed legal, marital, or complex financial matters, consulting a local qualified Islamic mufti or accredited council is advised.