12.4 利息管理的政策
12.4 The policy of the administration of interests
管理利益事务的政策建立在制度简洁、办理事务迅速以及管理者胜任能力的基础之上。这源自处理利益事务的本质,因为需要服务的人希望其事务能够迅速而有效地得到办理。先知穆罕默德ﷺ说:
The policy of the administration of interests is based on the simplicity of the system, speed in processing the tasks and the competence of the administrators. This is taken from the nature of processing the interest, for the person who requires a service needs to have it quickly and efficiently processed. The Messenger of Allah (pbuh) said:
“真主确已为万物规定了尽善尽美;所以,当你们杀牲时,要以善的方式去杀;当你们宰牲时,要以善的方式去宰。”[穆斯林辑录,传自沙达德·本·奥斯]因此,沙里亚要求行为的执行务求尽善尽美。为此,管理机构应当具备三项品质。第一:制度的简明,简明则便于办理,繁琐则造成困难。第二:处理事务的迅速,使人免于不必要的拖延。第三:工作人员的能力与胜任。这是完成任务所必需的,甚至是任务本身得以履行的前提。
“Verily Allah has enjoined the perfection to everything; so when you kill, do so in a good way and when you slaughter, slaughter in a good way.” [Narrated by Muslim from Shaddad bin Aws] Therefore, the perfection in executing the actions is ordered by the Shar’a. To achieve this, the administration should observe three qualities. Firstly: The simplicity of the system that would lead to the ease of processing, whereas complication would lead to hardship. Secondly: The speed in processing the transactions would spare people of unnecessary delay. Thirdly: The ability and competence of the employees. This is required to perfect the task and is even required for the performance of the task itself.