Sha'awar samun tsaro na tattalin arziki wani muhimmin bangare ne na yanayin dan Adam. A cikin al'umma, rarraba arziki da kayayyaki ana tsara shi ne ta hannun hukumar mulki, wacce ke gudanar da al'amura bisa akidar musamman da masu mulki suka zaba don haka - a yanayinmu, Jari-hujja. Saboda haka, jama'a suna fuskantar takurawa da sarrafawa ta tsarin da ke mamaye su, kuma dole ne su biya bukatunsu na tattalin arziki cikin tsarin wadannan tsare-tsare.

The desire for economic security is a fundamental aspect of human nature. In society, the distribution of resources and commodities is regulated by the governing authority, which runs affairs according to the particular ideology that the rulers have chosen for the purpose - in our case, Capitalism. Accordingly, the people are restricted and controlled by the systems which prevail over them, and must fulfil their economic needs within the framework of these systems.

Batun gidajenmu muhimmin bangare ne na tsarin tattalin arzikin da muke ciki. Dukkanmu muna bukatar gida domin mu sami mafaka daga yanayi, kuma a matsayin tushe na ayyukanmu na yau da kullum. Amma, idan ka dan yi tunani a kan halin da kake ciki yayin da kake zaune a kasashen Yamma, gidaje suna haifar da matsaloli da yawa....

The issue of our housing is an important aspect of the economic system that we are subject to. We all need a house to shelter from the elements, and as a base for our everyday activities. But, if you think for a moment about your own situation living in the West, housing throws up many problems....

Farashin masauki ko da na matsakaici ne yana da ban mamaki. Idan ka dauki gida da ya dace da matsakaicin iyali (kamar naka), kudin siyan sa zai kama daga kimanin fam 50,000 zuwa fam 100,000 ko fiye da haka, ya danganta da wurin da yake. Wannan adadi, hakika, ya wuce kudin kayan gini da aikin da ake bukata wajen gina shi. A gaskiya, sau da yawa ana karawa farashin ta hanyar wucin gadi don samar da kasuwanci ga bankuna da kungiyoyin gine-gine daga mutanen da dole ne su yi mu'amala da su domin siyan gida.

The price of even modest accommodation is staggering. If you take a house suitable for an average family (like your own), the cost of buying it would range from about £50,000 to £100,000 or more, depending on its location. This figure of course, goes far beyond the actual cost of the materials and labour required to build it. In fact, it is usually artificially inflated to create a source of business for banks and building societies from people who have to deal with them in order to buy a house.

Ka yi la'akari da kanka. Dole ne ka tanadi abincin iyali, tufafi, kudin lissafi, ilimi da sauran bukatu. Bayan an biya duk wadannan, shin kudin shigarka zai baka damar siyan gida? Kusan tabbas ba zai baka damar ba! To me ya rage maka na zabi?

Consider yourself. You have to provide for your family - food, clothing, bills, education etc....After all these are taken care of, does your income put you in a position to afford to buy a house? Almost certainly not! So what are the options available to you?

Wannan zai ba ka matsuguni, amma shin za ka ji gamsuwa da zama tare da iyalinka a gidan haya? Yawancin mutane ba za su ji haka ba. Bayan haka, wannan ba ya ba da tabbaci ga makomarka - ƙila ka rika sauyawa daga wuri zuwa wuri, gwargwadon son ran mai gida. Hakan yana shafar aikinka, karatun 'ya'yanka da sauran al'amura. Mai gidan kuma yana iya ƙara haya yadda ya ga dama.

This will give you housing, but would you feel satisfied with living with your family in rented accommodation? Most people would not. After all this gives no security for your future - you may have to move from place to place, depending on the whims of a landlord. This affects your job, your children’s education and so on. The landlord may choose to raise the rent as he pleases.

Haka kuma, mafi yawan kuɗin shiga zai tafi ne ga wani abu da ba ka da mallakar dindindin a kansa. Kuma tun da ba ka mallakar wurin a zahiri ba, ba za ka sami wani dalili na kashe kuɗi wajen gyarawa da kawata shi yadda kake so ba - don mayar da gidan ya zama gida. Gabaɗaya, haya ba ta gamsarwa - ba za ka taɓa ganin gidan haya a matsayin gidanka na gaske ba.

As well, a large proportion of your income would go towards something for which you have no permanent possession. And since you do not actually own the place, you will have no incentive to spend on it to furnish and decorate it as you like - to turn the house into a home. In all, renting is unsatisfactory - you can never really see a rented home as your own home.

Wannan zaɓi ne kawai da za a iya yi. A gaskiya, wannan ne tsarin da mafi yawan mutane a irin wannan yanayi ke amfani da shi. A ƙa'ida, kana mallakar gidan da kake zaune a ciki, kana biyan kuɗinsa a hankali yayin da kuɗin shigarka ya ba da dama, kuma da alama yana warware matsaloli da dama da ke tattare da haya.

This option seems to be the only feasible alternative. In fact this is the system that most people use in your predicament. In theory, you own the house you live in, paying for it slowly as your income allows, and it appears to solve many of the problems with renting.

Abin takaici, gaskiyar lamarin jinginar gida (mortgage) ba ta dace da ka'idarsa ba. Yana cike da matsaloli da yawa fiye da haya.

Unfortunately, the reality of mortgage does not match its theory. It is riddled with even more problems than renting.

1. Da jingina gida (mortgage), ba lallai ne ka mallaki gidan ba. Dole ne ka biya kuɗin wata-wata a kan lokaci, kuma idan ka rasa biyan ko ɗaya, za a iya ƙwace maka gidanka. Wannan yana faruwa ko biyan farko ne, ko na ƙarshe! 2. Biyanka ba shi ne abin da ke ƙara darajar gidanka ba. Maimakon haka, babban kaso na abin da kake biya yana zuwa ne ga riba a kan lamunin da ka karɓa.

1. With a mortgage, you don’t really own your house. You have to give the regular monthly payments on time, and if you miss even one, you can be subject to repossession of your home. This is whether it is your initial payment, or your last! 2. Your payments do not mainly contribute to the value of your house. Rather you are paying a large proportion towards the interest on the loan you have taken.

3. Biyan kuɗin yana ƙarƙashin son zuciyar kamfanin jinginar gida - suna iya ƙara ko rage adadin riba a duk lokacin da suka ga dama, ba tare da tattaunawa da ku ba.

3. The payments are subject to the whims of the mortgage company - they can increase or decrease the rates of interest at will, without any discussion with you.

Yawancin mutane ba sa rayuwa har su biya bashin gidansu gaba ɗaya, don haka ba su taɓa mallakar gidan da gaske ba. Saboda haka, ba su da wani abu da za su bar wa 'ya'yansu.

4. Most people never live to actually pay off their mortgage completely and thus really own their house. Thus, they never have anything to pass on to their children.

5. Farashin gidaje yana canzawa sosai har darajar gidan na iya faɗuwa cikin ƴan shekaru zuwa ma har rabin darajar da ka saye shi da ita! Don haka kana iya biyan bashi da ba za ka iya kwato shi ba ko da ka sayar da gidanka! Sai dai kuma, mafi muhimmanci fiye da kowane ɗaya daga cikin waɗannan dalilai, shi ne ra'ayin Musulunci game da jinginar gida:

5. House prices are subject to such fluctuation that the value of the house could drop within a matter of years to even as much as half of the value you bought it for! So you may be paying a debt which you could not recover even if you sold your house! However, more important than any of these reasons, is Islam’s opinion on mortgage:

Samun jinginar gida (mortgage) ta hanyar riba haramun ne kuma a bayyane ga Musulmi. Babban dalilan kuwa sune: 1) Musulmi zai karbi kudi ta hanyar riba. Allah (SWT) da Manzonsa ﷺ sun haramta karba da bayar da riba a kan kudi. Allah (SWT) yana cewa a cikin Alkur'ani:

Getting a mortgage (based on interest) is definitely and clearly haram (forbidden) to Muslims. The paramount reasons being that, 1) The Muslim has to borrow money on interest. Allah (swt) and His Messenger (saw) have forbidden the taking and giving of interest on money. Allah (swt) says in the Qur’an.

Waɗanda suke cin riba za su tashi kamar yadda wanda Shaiɗan ya rikitar da shi ta wurin taɓawa yake tashi; wannan saboda sun ce: "Ciniki yana kama da riba", alhali Allah ya halatta ciniki kuma ya haramta riba. {Surah Al-Baqarah 2:275}

“Those who benefit from interest shall be raised like those who have been driven to madness by the touch of the devil; this is because they say: ‘Trade is similar to interest’ while, Allah has permitted trade and forbidden interest.” [TMQ 2:275].

Allah (SWT) ya kuma ce.

Allah (swt) also said.

"Ya ku waɗanda suka yi imani, ku ji tsoron Allah, ku bar abin da ya rage na riba idan kun kasance masu imani. Idan ba ku yi haka ba, to ku tabbata cewa kuna yaƙi da Allah da ManzonSa. Amma idan kun tuba, to kuna da jarinku. Kada ku aikata zalunci, kuma kada a zalunce ku." [Surah Al-Baqarah 2:278-279]

“O believers, fear Allah and give up the interest that remains outstanding if you are believers. If you do not do so, then be sure of being at war with Allah and His Messenger. But if you repent, you can have your capital. Neither should you commit injustice nor should you be subjected to it.” [TMQ 2:278-279].

Jabir ya ruwaito, "Annabi ﷺ ya la'anci mai karɓar riba da mai biyan riba, wanda ke rubuta ta da wanda ke shaida ta, sannan ya ce, 'Dukkansu daidai suke.'" (daga Muslim, Tirmidhi da Ahmad). Abu Hurairah ya ruwaito cewa Annabi ﷺ ya ce, "Riba tana da sassa saba'in, mafi ƙanƙanta daga cikinsu kamar mutum ya yi zina da mahaifiyarsa."

Jabir narrated, “The Prophet (saw) cursed the receiver and the payer of interest, the one who records it and the one who witnesses it and he said, ‘They are all alike’ .” (from Muslim, Tirmidhi and Ahmad). Abu Hurayrah narrated that the Prophet (saw) said, “Riba has seventy segments, the least serious being equivalent to a man committing adultery with his own mother.”

2) Kwangilar sayen ba ta cika wani sharadi na asali a Musulunci ba. A Musulunci, idan ka sayi gida, kai ne mamallakin gidan. A yarjejeniyar jinginar gida kuwa, ba ka mallakar gidan a zahiri ba, cibiyar kudi ce ke mallakarsa har sai ka biya dukkan bashin jinginar gidan. Ana iya fitar da kai daga gidan idan ka kasa biyan kudin jinginar gidan, kuma duk abin da ka mallaka ya ƙare! Dubban mutane sun rasa gidajensu ta wannan hanya a cikin 'yan shekarun nan, kuma dubban wasu babu shakka za su biyo baya.

2) The contract of purchase does not satisfy a fundamental condition in Islam. In Islam, if you buy a house, you own the house. In the mortgage agreement, you do not actually own the house but the financial institution owns it until you pay all of your mortgage. You can be kicked out if you fail to keep up with your mortgage payments and all is lost! Thousands of people lost their homes in this way over the past few years, and thousands more will no doubt follow.

Don haka a bayyane yake cewa wannan lamari mai sauƙi na gidaje yana haifar mana da matsaloli da dama. Sai dai Tsarin Tattalin Arziki na Ƙasar Musulunci yana da mafita ga waɗannan matsaloli.

We can see therefore, that this simple issue of housing causes us many dilemmas. However, the Economic System of the Islamic State has solutions to these problems.

A cikin Khilafah, kowane mutum yana da haƙƙin samun matsuguni. Annabi ﷺ ya ce: "Ɗan Adam ba shi da haƙƙi mafi girma fiye da samun gida da zai zauna a cikinsa, da tufa da zai rufe tsiraicinsa da shi, da guntun abinci da ruwa." Saboda haka, nauyin Dawla ne tabbatar da cewa kowa yana da wurin zama.

In the Khilafah, it is the right of every individual to have shelter. The Prophet (saw) said: “The son of Adam has no better right than that he would have a house wherein he may live and a piece of cloth whereby he may cover his nakedness and a piece of bread and some water.” It is therefore the responsibility of the State to ensure that everybody has accommodation to live in.

Saboda haka, idan ba ka iya samar da masauki ko abinci a gare ka ko ga iyalanka ba, Daular Musulunci za ta samar muku da waɗannan kyauta, muddin kun ci gaba da kasancewa cikin wannan halin.

So, if you are unable to provide accommodation or sustenance for yourself or your family, the Islamic State will provide these for you free of charge, for as long as you remain in that position.

Saboda haka, Gwamnati za ta tsara wata manufar da aka yi niyya a kai don tabbatar da cewa gidajen da mutane za su iya biya suna samuwa ta hanyar gina gidaje da yawa, duk daga Gwamnati da kuma daga mutane masu zaman kansu waɗanda suke son gina don riba. Gwamnati tana cika wannan nauyi ta hanyar aiwatar da tsare-tsare da suke la'akari sosai da yanayin kowane mutum, buƙatunsa da iyawarsa wajen tantance irin taimakon da za a ba citizens. Saboda haka, idan kana son sayen gida, Tsarin Tattalin Arziki na Musulunci yana ba ka hanyoyi daban-daban na taimaka maka ka yi haka. Waɗannan sun haɗa da:

Because of this, the State would devise a deliberate policy to ensure that affordable accommodation is available through extensive home building both by the State and by private individuals who may want to build for profit. The State achieves this responsibility by the implementation of schemes that take full account of individual circumstances, needs and ability when deciding the type of help to give citizens. Thus, if you want to buy a house, the Islamic Economic System provides you with various mechanisms of helping you to do this. These include:

Kyauta daga Gwamnati: Khalifa na iya ba ka fili don amfanin kanka, wanda zai iya haɗawa da gina gida. Ta irin wannan rabon, yana sauƙaƙa maka samar da mafaka ga kanka da iyalinka. An ba Bilal (ra) irin wannan rabo daga Annabi ﷺ a matsayinsa na shugaban Dawlar Musulunci. Khulafa'un da suka biyo bayan Annabi ﷺ sun ci gaba da irin waɗannan rabo. Gwamnati kuma na iya ba talakawa da mabukata tallafin kuɗi kai tsaye don gidaje, kuma hakika wajibi ne Gwamnati ta samar musu da wannan.

Gift from the State: The Khaleefah can give land to you for private use which could include home building. By such grants, it makes it easier for you to provide shelter for you and your family. Such a grant was given to Bilal (ra) by the Prophet (saw) as the ruler of the Islamic State. The Khulafa‘a who followed the Prophet (saw) continued with such grants. The State can also give direct financial assistance to the poor and needy for housing purposes, and indeed it is compulsory for the State to provide this for them.