One of the main characters of Fyodor Mikhailovich Dostoevsky - student Rodion Romanovich Raskolnikov - knowingly chose the murder of a petty usurer to test his ability to go beyond the law and morality. From time immemorial, who earns on loans, almost everyone hates.
In religions, ascending to the ten commandments, brought from Mount Sinai on two stone slabs by Moshe Amramovich Levin, paid loans or completely prohibited, or allowed with fair restrictions - for example, loan only to non-believers. But outside money is needed for many reasons.. Therefore, ways have long been developed to bypass the strictest prohibitions.
A set of amendments to laws will be worked out in the State Duma, providing Islamic banking - the acquisition of a stake in a business for money, necessary for the development of this business. Then the new financing system will be tested in Chechnya, Dagestan, Bashkiria, Tatarstan. According to experience, the laws, probably, finalize.
I warn you openly: the centuries-old experience of Islamic peoples has shown, that even with such a system abuse is possible - for example, taking control of an already established business. You need an eye for money.
The Central Bank of the Russian Federation intends to keep a register of organizations, providing a new financial service, and establish rules for working with it.
Plain text sure: Islamic lending format more than classic financial games involves the lender in ensuring the success of the debtor. But does not negate the need for creative business ideas, no concern for people, able to generate such ideas, spend energy on countless stages of movement from idea to result. But effective managers in such a system are much more difficult: after all, you will have to not only consider paper reporting indicators, but get to the heart of the matter. I warn you openly: the world does not have to work for effective managers.
Anatoly Wasserman
