#general banking

Recently, the government forcibly merged five Bangladeshi banks that were on the brink of collapse and renamed them "Sammilito Islami Bank". The government then decided that depositors would get their principal amounts back, but not the profits from the last two years. However, facing customer disappointment and anger, the government decided to pay the profits for the last two years.

My question is: Islamic banking operates on a profit-and-loss sharing basis. If the bank makes a profit, depositors get profit; if the bank incurs a loss, depositors face the loss. Since these five banks made no profit and were on the path to bankruptcy, on what basis will depositors get profit? Or is the mentality of these customers that it's Islamic Shariah rules when there's profit, but Interest-system rules when there's loss? In case of loss, they shouldn't even get the principal back, since it's an investment.

The so-called depositors of Sammilito Islami Bank are essentially being bailed out, and that's with my tax money.

There are basically two types of banking systems in the world: General Banking and Investment Banking. General Banking collects deposits on an interest basis and lends on an interest basis. In Investment Banking, the bank invests depositors' money in the stock market, bonds, and various potentially profitable projects in expectation of profit. If the bank profits, it gives half of it to the depositors.

It's impossible to completely eliminate interest from the world. Suppose someone wants to get married, or needs medical treatment, or wants to buy an apartment or car for personal use - the borrower's money isn't being invested in a profitable business in these cases. So, interest-based lending is inevitable here. Interest has existed, exists, and will continue to exist.

Both General Banking and Investment Banking systems should prevail. However, a specific bank should follow only one method - this should be the rule.

সম্প্রতি পতনের দ্বারপ্রান্তে চলে যাওয়া বাংলাদেশের ৫টি ব্যাংককে সরকার বাধ্যতামূলকভাবে একত্রীকরন করে নতুন নামকরণ করে, "সম্মিলিত ইসলামী ব্যাংক"। সরকার অতঃপর সিদ্ধান্ত নেন, আমানতকারীরা জমাকৃত অর্থ ফেরত পাবেন, কিন্তু শেষ দুই বছরের মুনাফা পাবেন না। কিন্তু গ্রাহকদের হতাশা আর ক্ষোভের মুখে সরকার শেষের দুই বছরের মুনাফা প্রদানের সিদ্ধান্ত নেন।

আমার প্রশ্ন হইল, ইসলামী ব্যাংক লাভ-লোকসানের ভিত্তিতে চলে। ব্যাংক লাভ করলে আমানতকারী মুনাফা পাবেন, আর ব্যাংক লস করলে আমানতকারী ক্ষতির মুখোমুখি হবেন। যেহেতু ৫টি ব্যাংক কোন লাভ করে নি, এবং দেউলিয়া হয়ে যাবার পথে ছিল তাই আমানতকারী মুনাফা পাবেন কিসের ভিত্তিতে? নাকি এই সকল গ্রাহকের মানসিকতা হইল লাভ হলে ইসলামী নিয়ম, আর লস হলে সুদের নিয়ম? লস হলে মূল টাকাও পাওয়ার কথা না যেহেতু তা বিনিয়োগ।

সম্মিলিত ব্যাংকের তথাকথিত আমানতকারীদের মূলত বেইল-আউট দেয়া হল, এবং সেটা আমার ট্যাক্সের অর্থে।

পৃথিবীতে ব্যাংকিং ব্যবস্থা মূলত দুই রকম। জেনারেল ব্যাংকিং আর ইনভেস্টমেন্ট ব্যাংকিং। এই জেনারেল ব্যাংকিং সুদের ভিত্তিতে আমানত সংগ্রহ করে, আর সুদের ভিত্তিতে ঋণ প্রদান করেন। আর ইনভেস্টমেন্ট ব্যাংকিং এর ক্ষেত্রে ব্যাংক আমানতকারীদের অর্থ শেয়ার মার্কেট, বন্ড, বিভিন্ন সম্ভাব্য লাভজনক প্রকল্পে লাভের প্রত্যাশায় বিনিয়োগ করেন। যদি ব্যাংকের লাভ হয়, তবে তার অর্ধেক আমানতকারীদের প্রদান করেন।

পৃথিবী হতে সুদ পুরোপুরি উঠিয়ে দেয়া সম্ভব না। ধরুন - কেউ বিয়ে করবেন, বা চিকিৎসা করবেন, বা নিজের ব্যবহারের জন্য অ্যাপার্টমেন্ট বা গাড়ি ক্রয় করবেন - এই ক্ষেত্রে ঋণগ্রহীতার অর্থ কোন লাভজনক ব্যবসাতে বিনিয়োগ হচ্ছে না। তাই এ ক্ষেত্রে সুদের ভিত্তিতে ঋণ অপরিহার্য। সুদ ছিল, আছে, থাকবে।

How to change Name in Indian bank Account?

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