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حكم الاجور الادارية على القرض الحسن في المصارف الاسلامية
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ان مسألة الاجور الادارية من المسائل التي يعيشها الناس ويتعاملون بها وقد اشتغلت هذه المسألة استقلالاً غير اخلاقي وغير شرعي من قبل بعض المؤسسات والمصارف وقد انخدع كثير من الناس حتى وقعوا في شباكها فوقوا في الحرام. لذا فقد بينت حقيقة الأجور الإدارية وبيان موقف الشرع منها وفرق الأجور الإدارية وبين الفائدة الربوية. وعُبر عن الاجور الادارية بالمصاريف الادارية أو الرسوم الادارية أو التكاليف الإدارية ، ولم اجد حسب علمي من عرف الاجور الادارية للقرض الحسن وان عرفت بصورة مطلقة ، فقد عرفت الأجور الادارية للقرض الحسن: هي مبلغ نقدي يدفع لمرة واحدة تفرضه الجهة الممولة على المقترض تعبيراً عن القيمة الفعلية لتكاليف منح القرض الحسن. اما عن حكم الاجور الادارية للقرض المصرفي الحسن في منحه كلفة لذلك جاز أحتساب هذه الكلفة واخذها من المقترض , وهذه الكلفة ينبغي ان تمثل القيمة الفعلية لكلفة القرض. وعليه يمكن التفرقة بين الفوائد الربوية والأجور الادارية ،إذا كانت مبلغا ثابتا غير مرتبط بمبلغ القرض ومتناسب مع الجهد المبذول فهي جائزة لأن المصاريف الإدارية أو مصاريف الخدمة الفعلية تعتبر أجرة. أما إذا كانت نسبة مرتبطة بالقرض تزيد بزيادة المبلغ المقترض وتنقص بنقصانه أو كانت غير متناسبة مع الجهد المبذول فإن ذلك يكفي دليلا على أنها فائدة وليست أجرة، وبالتالي فإنها تكون حراما .

Publication Date
Fri Jan 02 2009
Journal Name
Political Sciences Journal
الدور السياسي للاحزاب الاسلامية في تركيا
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الدور السياسي للاحزاب الاسلامية في تركيا

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Publication Date
Sun Oct 01 2017
Journal Name
Journal Of Educational And Psychological Researches
Islamic subject teacher and his role in Education
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Using the traditional methods in teaching Islamic subject have neglected student's role and focus mainly toward teacher. Thus, the role of student in teaching process would take a negative side: following these methods cannot achieve the educational objectives of Islamic subject. Teachers who give Islamic subject do not have a full knowledge of the appropriate techniques in teaching. They lack the scientific background that qualify them for teaching. The weakness of knowledge that face Islamic teachers have arisen over different stages of education which showed their lacking in the provision of intonation and interpretation of the Quran as well as the utterance of Prophet Mohammed Hadiths. It takes time to train teachers to do a

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Publication Date
Wed Dec 15 2021
Journal Name
Al-academy
Employment of health materials in the internal administra-tive spaces
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 The internal administrative spaces of the interior designer formed an obsession for their development and for finding solutions and treatments to advance to enhance the state of adaptation for their employees by providing a healthy, appropriate and sound environment for work and production. . The first chapter focuses on laying theoretical foundations to show what health materials are used in the administrative spaces of the training directorates of the Ministry of Education in Baghdad. The second chapter dealt with the knowledge of health materials, their impact and effectiveness in the interior space, and the variables of their functional characteristics and their work in the interior spaces in a way that enhances the development of

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Publication Date
Thu Jan 04 2024
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
The role of financial technology in improving the financial performance of banks: A field study on a sample of private banks in Erbil governorate
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Abstract:

               Today, the financial and banking sector is witnessing a qualitative shift thanks to financial technology services, which provide their services to many individuals and companies in quick, easy and less expensive ways compared to traditional means. Financial technology is a new form of financial science that combines financial transactions and technological skills concerned with providing financial services and improving the work environment within Banking institutions, and financial technology provides many advantages such as lower transaction costs, instant payment, and saving more time and effort in conducting banking

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Publication Date
Thu Oct 30 2008
Journal Name
College Of Islamic Sciences
Ruling on combining prayers without excuse when needed
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Jurisprudence is one of the most honorable sciences in value, and the greatest of them in reward. Through it, the rulings of religion are known. He, may God’s prayers and peace be upon him, said: ((Whoever God desires good, He gives him understanding of religion)), and through it, the legal rulings and what is related to them are known from what is permissible and forbidden.
And prayer is the believer’s ascent to his Lord, with which the heart is at peace and the soul is at ease. If he, may God’s prayers and peace be upon him, was overwhelmed by an issue or something became difficult for him, he would panic in prayer and be reassured by it. It was necessary for the students of knowledge to investigate its aspects and its secrets

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Publication Date
Tue Dec 01 2020
Journal Name
Journal Of Economics And Administrative Sciences
The Impact of Envy on Workplace Stress A field Study of Faculty Staff at the Technical College of Management-Baghdad
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The research aims to measure the impact of envy on job stress because the topic of envy represents a negative emotion that exists at all organizational levels, which may cause stress in the work environment.

The Research problem is represented by the lack of perception of most of the faculty staff on the negative effects of envy on their well-being in the Technical College of Management - Baghdad, and what is the impact level of envy on their job stress.

To achieve this, the scale of envy was based on two dimensions (being envied, Envying others), While the job stress scale was based on seven dimensions (workload, conflict role, Family factors, work environment, work relationships

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Publication Date
Sat Dec 01 2018
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
The Impact of the Application of Corporate Governance On the Financial Performance Evaluation in Banks: Applied Study- Sample of the Conventional and Islamic Banks in the Kingdom of Bahrain
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 The aim of this research is to identify the extent to which the Conventional and Islamic banks are committed to implement the requirements of the corporate governance in its financial reports. In addition to its commitment to transparency and clarity in dealing with the shareholders and stockholders to protect their interests and to determine the impact of the commitment of the corporate governance on assessing the financial performance of the conventional and Islamic banks that participate in Bahrain Stock Exchange.

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Publication Date
Sat Jul 18 2020
Journal Name
College Of Islamic Sciences
ال ظاهرة اللجوء في ضوء العقيدة الاسلامية
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البحث معني بظاهرة اللجوء من العالم الاسلامي الى العالم الغربي وما يحيط بهذه الظاهرة من تحديات سواء كانت سلبية او ايجابية والبحث يوضح احكام العقيدة الاسلامية للحكم على هذه الظاهرة التي اصبحت من النوازل في هذا العصر 

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Publication Date
Wed Mar 15 2023
Journal Name
Al-academy
Decorative aesthetic aspects and their use in Islamic architecture
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The architecture of the richly decorated mosques demonstrated that the Islamic culture is one of the most significant and greatest civilizations in the history of humanity. The plant decorative units are one of the key areas in which the Muslim artist excelled. As a result, he created various plant forms that he took from nature, which led him to invent the arabesque art consisting of plant motifs with curved and rounded lines or wrapped between them. These shapes with curved borders include leaves, twigs, and flowers. Buildings and artefacts from the nineteenth century AD have this shape. they achieved their objectives during the twelfth and thirteenth centuries. There was another kind of vegetable decorative unit, made up of stems and

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Publication Date
Sun Feb 03 2019
Journal Name
Journal Of The College Of Education For Women
The Theoretical bases of women's rights in Islamic shariate
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The Theoretical bases of women's rights in Islamic shariate

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