ïñ¶ Ü¡ø£ì õ£›M™ õ†® âšõ£Á H¡Q H¬í‰¶œ÷¶ â¡ð¬î»‹, õ†®, (INTEREST) ªè£®ò õ†® (USURY) Þ󇮟°‹ àKò MˆFò£êˆ¬î»‹, ªè£®ò õ†® ðŸPò Þ¬øõQ¡ â„êK‚¬èè¬÷»‹ ðŸP èì‰î ÞîN™ 臫죋. ÞQ....  õ£¿‹ Þ‰î ÌIJ™ G˜õ£èˆ¬î ðŸP ªîK‰¶ ªè£œ÷ «õ‡®ò¶ 嚪õ£¼ ñQîù¶ èì¬ñ»‹, ÜõCòº‹ Ý°‹. 3/4ðƒ° c¼‹ 1/4ðƒ° GôŠð󊹬ìò Þ‰î ÌIJ™ îƒèÀ‚°œ ♬ô «è£´è¬÷ G˜íò‹ ªêŒ¶ ªè£‡´, 194 èÀ‚° «ñ™ àœ÷¶. 嚪õ£¼ ®½‹ îQˆîQ ݆C ï¬ìªðÁAø¶. ÜF™ ªð¼‹ð£‡¬ñò£ù èO™ ñ‚èœ Ý†C«ò ï¬ìªðÁAø¶. ñ‚èœ Ý†C. ñ‚èOL¼‰¶ ñ‚è÷£™ «î˜‰ªî´‚èŠð´‹ àÁŠHù˜è¬÷ ªè£‡´ ªêŒòŠð´‹ Üó² G˜õ£è‹î£¡ ñ‚è÷£†C. ÞF™  èõùˆF™ ªè£œ÷ «õ‡®ò¶ ܉î ñ‚èOì‹ «ïó®ò£è¾‹, ñ¬ø ºèñ£è¾‹ õKò£è õÅL‚°‹ ðíˆ¬î ¬õˆ¶î£¡ ªð£¼÷£î£ó‹ ïLõ¬ì‰¶œ÷ G¬ôJ½‹, ¹Fò ¹Fò F†ìƒè¬÷ G¬ø«õŸø¾‹ ܇¬ì ®ì«ñ£, àôè õƒAJì«ñ£ àîM¬ò  G¬ø«õŸÁAø¶. Þšõ£Á ªðøŠð´‹ èì‚° ªê½ˆî «õ‡®ò õ†®¬ò ïñ¶ õKðíˆF- L¼‰¶î£¡ ªê½ˆîŠð´Aø¶. Þ¶ ñ¬øºèñ£è  ªê½ˆ¶‹ õ†®. Þ ޡ‹ M÷‚èñ£è ªê£™õî£ù£™ õƒA¬ò â´ˆ¶‚ ªè£œ«õ£‹. õƒA â¡ð¶ º¿‚è º¿‚è õ†®¬ò Ü®Šð¬ìò£è ªè£‡´ Þòƒ°‹ å¼ ªðKò õ†® è¬ì. ð투î õ£ì¬è‚° ªè£´‚辋 ªêŒ»‹, ð투î õ£ì¬è‚° õ£ƒA»‹ ªè£œÀ‹ Üî£õ¶  ªê½ˆ¶‹ ðíˆFŸ° õ†®î¼‹, ïñ‚° èìù£è õöƒ°‹ ðíˆFŸ° õ†®¬ò ªðŸÁ‚ ªè£œÀ‹. Þšõ£Á ªðÁ‹ Ü™ô¶ õöƒ°‹ õ†®J¡ Ü÷õ£ù¶ ò£¬ó»‹ â‰î MîˆF½‹ ð£F‚è£î, ê†ìˆF†ìƒèÀ‚° à†ð†ì, àôè‹ º¿õ¶‹ àœ÷ ªð¼‹ð£½‹ â™ô£ Üóꣃè÷£½‹, â™ô£ àôè ñ‚è÷£½‹ 制‚ªè£œ÷îò å¼ Ü÷¾ â¡ð¶ °PŠHìî‚è¶. îŸè£ô ï¬ìº¬øJ™  ªð¼‹ð£½‹ ¬ìò ðíðKõ˜ˆ-î¬ùèÀ‚°‹ õƒA(BANK)J¡ àîMJ¡P ªêò™ðì º®ò£î G¬ô‚° îœ÷Šð†´ M†«ì£‹ â¡ð¶î£¡ òˆîñ£ù à‡¬ñ. âšõ£ªø¡ø£™ 1000Ï𣌂 «ñ™ I¡è†ìí‹, ªî£¬ô«ðCè†ìí‹, °ö‰¬îèÀ‚è£ù ðœO‚è†ìí‹, «ñ™ 𮊹‚è£ù M‡íŠð‹ 𮊹‚è£è ªêôõ£°‹ ªî£¬è, MŸð¬ù õK, â¡Á â‰î ¶¬ø‚° ªê¡ø£½‹ ðí‹ ªðø™ Ü™ô¶ ªè£´‚è™ â¡ð¶ õƒAèœ õöƒ°‹ 裫꣬ôèœ(Cheque/D.D/ T.T)Íôñ£è«õ£ ï¬ìªðÁAø¶. Þ‰î à‡¬ñ¬ò CPò Mõꣻ‹, ã¡ å¼ è¬ìJ™ Fù‚ÃL «õ¬ô ªêŒðõ˜ ºî™ ï´ˆîó õ˜‚èˆFù˜ àœðì ♫ô£¼‹ ÜÂðMˆ¶ õ¼A«ø£‹. ñ¶ (°®) ñQî‚° bƒ° M¬÷M‚°‹ â¡ø£™  ܼ‰î£ñ™ Þ¼Šð«î£´, ܬî Mò£ð£ó‹ ð‡ù£ñ™ Þ¼Šð¶ì¡ â‰î õ¬èJ½‹ Ü (àŸðˆF, MŸð¬ù «ð£¡ø) â‰îMî àîM»‹ ªêŒòÃ죶. Þšõ£Á ªêŒõ ñ†´«ñ ܉î è†ì¬÷èÀ‚° 膴Šð†ìõ˜èœ Ý«õ£‹. â¡ð¶ ï¬ìº¬ø à‡¬ñò£è àœ÷¶. ÜFè‹ð®ˆî Cô˜ Ü«ïèñ£è (BANK)õƒAJ™ «êIŠ¹ èí‚° ¬õˆî£™î£¡ õ†® î¼õ£˜ Current Account/ï승 èí‚°èÀ‚° õ†® î¼õF™¬ô â¡Á îƒè¬÷ è«÷ êñ£î£ù‹ ð‡E‚ªè£œõ£˜èœ. ô£ð‹ Þ™ô£ñ™ ò£¼‹ â¬î»‹ ªêŒò«õ ñ£†ì£˜èœ ªêŒò¾‹ Ã죶. ¬ìò ðíˆFŸ° õ†®ò£è Üõ˜èÀ¬ìò «ê¬õ¬ò (Services) î¼Aø£˜èœ â¡ð¶î£¡ à‡¬ñ. Þšõ£Á å¼ °PŠH†ì Ü÷¾ õ†®‚° à†ðì£ñ™ àôA™ àœ÷ â‰î ñQî˜èÀ‹ àJ˜õ£ö º®ò£¶. ÞŠ«ð£¶ Þ¬øõQ¡ è†ì¬÷è¬÷ 裇«ð£‹. (2:2 78) O you who believe, you shall observe GOD and refrain from all kinds of usury, if you are believers. ï‹H‚¬è ªè£‡«ì£«ó, cƒèœ ï‹H‚¬è ªè£‡ìõ˜è÷£è Þ¼‰î£™ cƒèœ è쾬÷ Ü…C â™ô£ Mîñ£ù ªð¼õ†®¬ò M†´‹ MôA‚ ªè£œÀƒèœ. (3:130) O you who believe, you shall not take usury, compounded over and over. Observe GOD, that you may succeed. æ ï‹H‚¬è ªè£‡ìõ˜è«÷, cƒèœ ÜFèñFè‹ ð™Aªð¼°‹ ªè£®òõ†®¬ò ªðø£b˜èœ. Þ¬øõ‚° ðò‰¶ ïì‚辋 cƒèœ ªõŸP ªðøô£‹. (4:161) And for practicing usury, which was forbidden, and for consuming the people’s money illicitly. We have prepared for the disbelievers among them painful retribution. î´‚èŠð†ì ªè£®òõ†® õ£ƒ°õîŸè£è¾‹, ñ‚èO¡ ð투î ÜGò£òñ£è, ê†ì M«ó£îñ£èŠ ªðŸÁŠ ðò¡ð´ˆ¶ õîŸè£è¾‹, (Üõ˜è¬÷  è‡ìù‹ ªêŒ¶ M†«ì£‹)  ï‹H‚¬èòŸøõ˜èÀ‚° «õî¬ù  î‡ì¬ù¬òˆ îò£˜ ªêŒ¶œ«÷£‹. Þ‰î Þ¬øõQ¡ è†ì¬÷J™ Þ¬øõ¡ e¶ ï‹H‚¬è ªè£‡ì õ˜è÷£è Þ¼ŠH¡ (ªè£®ò) õ†®JL¼‰¶ MôAJ¼‚è ªê£™Aø£˜ ÜîŸè´ˆî õêùˆF™ ܉î õ†®J¡ Ü÷¬õ»‹ Ü ܉î õêùˆF™ Üî¡ î¡¬ñ¬ò»‹ (ê†ì M«ó£î‹) ªîOõ£è °PŠH†´œ÷£˜. Þ¬øõQ¡ õN裆´î¬ô ªðøMì£ñ™ î´ˆ¶ ñ è쾜 õöƒA»œ÷ Þ‡ðñ£ù õ£›¬õ õ£öMì£ñ™ 𶠬ûˆî£ù£èˆ  Þ¼‚è º®»‹. «ñ½‹ ñQîù£™ è¬ìH®‚è º®ò£î Mûòƒè¬÷ ê†ìñ£è ãŸð´ˆ¶ õF™¬ô â¡ø Þ¬øõ¬ù ðŸPò ܬê‚躮ò£î ï‹H‚¬è¬ò ïñ¶ ñùîQ™ ªè£‡´ «ñŸÃøŠð†ì õêùƒè¬÷ Ý󣌉¶ 𣘈 ªîOõ£ù G¬ô¬ò ܬìò º®»‹. (INTEREST) : Money Paid for the use of Money lent. å¼ °PŠH†ì è£ô õ¬óò¬ø‚°œ °PŠH†ì ðíˆFŸ° ðèóñ£è å¼ °PŠH†´œ÷ Ü÷¾ ðí‹. USURY : The Practise of Lending Money at Unlawful high rate of Interest. ê†ìM«ó£îñ£ù Ü÷¾œ÷ õ†®. âù«õ (INTEREST, USURY) õ†®, ªè£®ò õ†® â¡ø Þ¼ «õÁ«õÁ ñ»¬ìò õ£˜ˆ¬îèÀ‚° ܘˆî‹ àíó ºŸð´‹º¡ ªîOõ£è, M÷‚躬ìòî£è, Ý‚A»œ÷ ÞÁF Þ¬øñ¬ø °˜Ý¡ Ý󣌉¶, èõùñ£è 𮈶 H¡ðŸø ªê£™Aø£˜ è쾜. àî£óíñ£è Þ¬øõQ¡ è†ì¬÷èO™ å¡Á 1. F¼ì‚Ã죶 â¡ð¶ ÞF™ å¼ ¬ðê£õ£è Þ¼‰î£½‹ êK âšõ÷¾ ªðKò ªî£¬èò£è Þ¼‰î£½‹ êK F¼ì‚Ã죶. 2. ¹ø‹ «ð꣫î â¡ø£™ å¼ ïð˜ Þ™ô£î ªð£¿¶ Üõ¬ó ðŸPò G¬ø, °¬øè¬÷ ðŸP «ðC‚ªè£œõ¶ (ï¬ìº¬øJ™  Þ¬î ê˜õê£îóíñ£è ªêŒ¶ ªè£‡´ õ¼A«ø£‹. à‡¬ñ¬ò  (ï™ôMîñ£è) ªê£™A«ø¡ â¡Á Ü´ˆîõ¬ó ðŸP «ðC è†ì¬÷¬ò eP õ¼A«ø£‹) ¹ø‹ «ðê‚Ã죶 â¡ø£™ â‰î G¬ôJ½‹ ܶ Ãì«õ Ã죶. Þ¬î °PŠH†´ ªê£™ô è£óí‹ â¡ùªõ¡ø£™ å¼ ªêò¬ô î´‚°‹«ð£¶ â‰î Ü÷¬õ»‹ G˜íò‹ ªêŒòM™¬ô â¡ø£™ Ü‰î ªêò«ô î´‚èŠ ð†ìî£è â´ˆ¶ ªêò™ 𴈶õ«î Cø‰î¶. ܬî îM˜ˆ¶ õ†® ðŸPò Þ¬øõQ¡ è†ì¬÷J™ ÜFèð†ê‹ Ü™ô¶ ªè£®ò Ü÷¾ Ü™ô¶ ê†ìˆFŸ° ¹ø‹ð£ù å¼ Ü÷¾ â¡Á °PŠH†´ ªê£™½‹ «ð£¶ ܬîŠðŸPò ªîOõ£ù M÷‚般î Ý󣌉¶, à혉¶ H¡ðŸø «õ‡®ò èì¬ñ ï‹e¶ ãŸð†´ M´Aø¶. õ£›‚¬è¬ò»‹, õ£›‚¬èJ¡ «ï£‚般, ܉«ï£‚èˆF‚° «èŸÁ õ£¿‹ º¬ø â¡ù â¡ð¬î»‹ ÜP‰¶, ܬî M÷‚èñ£è â´ˆ¶ ªê£™ô õ‰¶œ÷ Þ¬øõQ¡ Éî˜ óû£ˆ èLð£ (2:151¡ Ü®‚°PŠH™) Þ¶ ðŸP °PŠH´‹«ð£¶ It is an established economic principle that excessive interest on loans can utterly destroy a whole country. During the last few years we have witnessed the devastation of the economies of many nations where excessive interest is charged. Normal interest - less than 20% - where no one is victimized and everyone is satisfied, is not usury. èì¡èO¡ eî£ù ÜFèŠ ð®ò£ù õ†® å¼ º¿ «ïꈬ Ü®«ò£´ ÜNˆ¶ Mì‚îò¶ â¡ð¶ å¼ G¬ô ìŠð†ì ªð£¼÷£î£ó‚ ªè£œ¬èò£°‹. è쉶 «ð£ù Cô õ¼ìƒèO™ ðô èO¡ ªð£¼÷£î£ó‹ ÜFèŠ ð®ò£ù õ†® MFŠHù£™ ªð¼‹ YóN¾ ªðŸø ñ ꣆Cè÷£è Þ¼‰¶ õ¼A«ø£‹. ê£î£óí õ†® -20%‚° °¬øõ£è - ÞF™ 嚪õ£¼õ¼‹ ðNò£‚èŠ ðì ñ£†ì£˜èœ «ñ½‹ 嚪õ£¼õ¼‹ F¼ŠFò¬ì‰îõó£è Þ¼‚A¡øù˜, Þ¶ ªè£®ò õ†® Þ™¬ô. âù«õ õ†®, ªè£®ò õ†® ðŸPò M÷‚èƒè¬÷  ޡ‹ ªîOõ£è ªîKò Þ‰î àôè‹ Þ¶õ¬ó ÜP‰Fó£î, «èœMð†®ó£î ðô à‡¬ñèÀì¡ M÷‚è‹ ªðŸÁ èì¾O¡ è†ì¬÷¬ò ãŸÁ Þ¡ðñ£ù õ£›¬õ ªðŸÁ, Þ‰î àôA½‹ ñÁ àôA½‹ ªõŸP ªðø ¶¬í ªêŒ»‹ èì¾O¡ ê†ìƒè¬÷ è쾜 ù£™ ÞQ»‹ 裇«ð£‹.....     è쾜 | °˜Ý¡ | Þvô£‹ | ºè‹ñ¶ | ýb¶&²¡ù£ | óû£ˆ èhçð£ APv¶õ‹ | Þ‰¶ˆ¶õ‹ | Îî˜èœ | ªî£¿¬è | «ï£¡¹ | ü裈 | ýx ªð‡èœ | ¬ûˆî£¡ |  Downloads  |  FAQ  |  Contact Us   BACK HOME