Islamic Banking Problem And Prospects

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1. Bmjvgx e ¨vswKs t mgm¨v I m¤¢vebv evsjv‡`‡k Bmjvgx e¨vswKs bZzb wKQy bq| 1983 mv‡j Bmjvgx e¨vsK evsjv‡`k wj: cÖwZôvi gva¨‡g Bmjvgx e¨vswKs‡qi m~Pbv nq| Zvici wKQyUv weiwZ †M‡jI beŸB‡qi `k‡K G‡m cv‡j †hb nvIqv jv‡M| GKUvi ci GKUv Bmjvgx e¨vswKs cÖwZwôZ n‡Z _v‡K| Gi cvkvcvwk AviI A‡bK cÖwZwôZ e¨vs‡Ki Bmjvgx e¨vs‡K iƒcvš—wiZ nIqvi B‡”Q wQ‡jv| wKš‘ miKvi AbygwZ †`qwb| KviY eûwea| cÖ_g mgm¨v n‡jv evsjv‡`‡ki ‡K›`ªxq e¨vsK A_©vr evsjv‡`k e¨vs‡Ki Bmjvgx e¨vsK¸‡jv‡K wbqš¿b Kivi ch©vß Av‡qvRb bv _vKv| Av‡qvR‡bi g‡a¨ myôz bxwZgvjv, cÖ‡qvRbxq †jvKej, Avjv`v `ßi Gme eySvq| m‡e©vcwi Gi R‡b¨ †K›`ªxq e¨vs‡Ki ch©vß cÖ¯‘wZi cÖ‡qvRb wQ‡jv| Zviv ZvB mgq wb‡qwQ‡jv| Aej¤^b K‡iwQ‡jv wKQy i¶YkxjZvi bxwZ| Zv‡Z dj fv‡jv n‡q‡Q| Bmjvgx e¨vsK¸‡jv fyj c‡_ cv evov‡Z cv‡iwb| evsjv‡`k e¨vsK‡K mvayev`| GiKg mywe‡ePbvcÖm~Z wm×vš— †bIqvi R‡b¨| Z‡e m¤cÖwZ Ae¯’vi AviI DbœwZ n‡q‡Q| Avgiv kxNÖB Rvb‡Z cvijvg evsjv‡`k e¨vsK Bmjvgx e¨vsK¸‡jv‡K wbqš¿Y Kivi R‡b¨ c„_K Av‡qvRb K‡i‡Q| m¤ú~Y© Avjv`v wefvM †_‡K ïi“ K‡i we‡klÁ `j KZ…©K e¨vsK¸‡jv‡K AwWU GÛ B݇cKkb KiviI e¨e¯’v Kiv n‡e| cvkvcvwk †ev×v‡`i mgš^‡q MwVZ wUg LwZ‡q †`L‡e kixqv e¨vsK¸‡jv‡K| Zv‡`i g~jbxwZ †mB kixqv KZUzKz cwicvjb K‡i‡Q| e¨vcviUv ‡hgb Avb‡›`i †Zgwb Bmjvgx e¨vsK¸‡jvi R‡b¨ wKQyUv n‡jI mZK©Zvi| KviY kixqvi e¨Z¨q †gv‡UB fv‡jv wKQy bq| Gi ms‡kva‡bi my‡hvM Kg| †ePv ‡Kbvq Mj` n‡j Zv dvwm` ev evwZj e‡j Mb¨| mbvZbx e¨vs‡Ki g‡Zv KvM‡R-Kj‡g Zvi ms‡kvab m¤¢e bq| K_v n‡jv Gi mwVK ev¯—evqb †Kgb K‡i m¤¢e| Aek¨B m¤¢e| wKš‘ Zvi R‡b¨ cÖ‡qvRb Ri“ix M‡elYv| GB e¨vcv‡i Avgiv fxlY wcwQ‡q| mbvZbx e¨vsK¸‡jvi aviYv †_‡KB Avgiv kixqv wfwËK e¨vswKs Kvh©Kjvc cwiPvjbvi †Póv KiwQ| GUv †h K‡ZvUv SzuwKc~b© Zv †evSvi g‡Zv a¨vb-aviYvI gvÎ ¸wU K‡q‡KiB Av‡Q| e¨vsK¸‡jvi we‡kl K‡i Gi weivU Kg©x evwnbxi aviYv kixqv cwiPvjbvi Rb¨ kixqv †m‡µUvwi‡qU Av‡Q| wKš‘ fyjUv n‡”Q GLv‡b| kixqv †m‡µUvwi‡qU Av‡Q kixqv cwicvjb n‡”Q wKbv Zv †`Lvi R‡b¨| kixqv cwicvj‡bi `vwqZ¡ e¨vs‡Ki cÖwZwU Kg©KZ©v-Kg©Pvixi|
2. Bmjvgx e ¨vsK¸‡jv Avjvni Amxg ing‡Z `uvwo‡q †M‡Q| wKš‘ `uvwo‡q hvIqvB me K_v bq| G‡K myôz fv‡e cwiPvjbv K‡i wUwK‡q †i‡L AvMvgx w`b¸‡jv‡Z mvg‡b AvMv‡Z n‡‡j cÖ‡qvRb h_vh_ cÖ¯‘wZ| e¨vsK¸‡jvi R‡b¨ †fZ‡ii P¨v‡jÄ †hgb _vK‡Q †Zgwb cvkvcvwk _vK‡Q RvZxq I Avš—R©vwZK cwigÛj| GQvovI Avm‡Q †i¸‡jUwi ewWmmn bvbv ai‡bi RvZxq I Avš—R©vwZK wµqvkxj I cÖwZwµqvkxj cÖwZôv‡bi Pvc| G wb‡q fveevi h‡_ó AeKvk Av‡Q| Gw·g e¨vsK eZ©gvb cÖR‡b¥i Bmjvgx e¨vsK¸‡jvi g‡a¨ kxl©¯’vbxq| AvKvi-AvK…wZ‡Z Bmjvgx e¨vsK evsjv‡`k wjt eo n‡jI G e¨vsKwU Zvi AvaywbKgb¯‹Zvi Kvi‡b MÖnY‡hvM¨Zv I Kvh©KvwiZvi w`K w`‡q A‡bKUvB GwM‡q †M‡Q| Avwg Ab¨vb¨ e¨vsK¸‡jvi wcwQ‡q hvIqvi K_v ejwQ bv| Z‡e G K_v mZ¨ †h Gw·g e¨vsK Bmjvgx e¨vswKs wb‡q fv‡e| ïay ˆ`bw›`b e¨vswKs Kivi g‡a¨B Gi †`Šo mxgve× bq| wKš‘ Gw·g e¨vs‡KiI eZ©gvb Ae¯’vb wb‡q Pzc _vK‡j Pj‡e bv| Zv‡K AviI A‡bK `~i †h‡Z n‡e| B‡Zvg‡a¨B Gw·g e¨vsK Zvi wgkb-2024 †Nvlbv K‡i‡Q| G j¶¨ Zvi wmjfvi Rywewj‡K mvg‡b †i‡LB| wKš‘ gybvdvi †¶‡Î GB j¶¨gvÎv AR©b Ki‡jB n‡e bv|