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+{"segments": [{"id": 1, "seek": 4902, "start": 21.04, "end": 49.02, "text": "بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام على رسول الله وعلى آله وصحبه ومن اهتدأ بهديه واستنى بصناته إلى يوم الدين وبعد مواصلة للحديث عن الحقوق المعنوية وموقف الشريع الإسلامية من هذه الحقوق نتحدث اليوم عن", "tokens": [3555, 38251, 21984, 34892, 5016, 27842, 34892, 5016, 32640, 21542, 2304, 3215, 24976, 3224, 16070, 9381, 15040, 3660, 16070, 3794, 37440, 15844, 12602, 3794, 12610, 21984, 4032, 3615, 23942, 19753, 43761, 4032, 9381, 5016, 3555, 3224, 4032, 27842, 1975, 3224, 2655, 3215, 10721, 39627, 16254, 3224, 4032, 32277, 2655, 1863, 7578, 4724, 9381, 8315, 47395, 30731, 7251, 20498, 32748, 9957, 46599, 22488, 3714, 2407, 33546, 37977, 24976, 5016, 16254, 12984, 18871, 21542, 4587, 30543, 9673, 3615, 1863, 2407, 10632, 4032, 2304, 30543, 5172, 25124, 16572, 3615, 33688, 3794, 37440, 10632, 9154, 29538, 21542, 4587, 30543, 8717, 2655, 24401, 12984, 45595, 20498, 18871], "avg_logprob": 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diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/54Y5pCLbRhk_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/54Y5pCLbRhk_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..0d32da2162e7f2d5901cdd69c0805eb31e3ae339
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/54Y5pCLbRhk_raw.json
@@ -0,0 +1 @@
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المصرفية", "probability": 0.9930419921875}], "temperature": 1.0}, {"id": 7, "seek": 20975, "start": 193.13, "end": 209.75, "text": "وما يتعلق بهذه المعاملة من مفاهيم وأحكام يعني فقط نطوف معاكم قليلا حول البيع إجمالا", "tokens": [2407, 15042, 7251, 2655, 30241, 4587, 39627, 24192, 9673, 3615, 10943, 37977, 9154, 3714, 5172, 40294, 32640, 36725, 5016, 4117, 10943, 37495, 22653, 6156, 47432, 8717, 9566, 38688, 20449, 995, 24793, 12174, 20292, 15040, 11331, 12610, 2423, 21292, 3615, 11933, 7435, 2304, 6027, 995], "avg_logprob": -0.09687499867545234, "compression_ratio": 1.3818181818181818, "no_speech_prob": 0.0, "words": [{"start": 193.13, "end": 194.15, "word": "وما", "probability": 0.662841796875}, {"start": 194.15, "end": 195.03, "word": " يتعلق", "probability": 0.9908447265625}, {"start": 195.03, "end": 195.73, "word": " بهذه", "probability": 0.971923828125}, {"start": 195.73, "end": 196.53, "word": " المعاملة", "probability": 0.9940185546875}, {"start": 196.53, "end": 197.87, "word": 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"word": " زيادة", "probability": 0.982421875}, {"start": 1048.64, "end": 1049.3, "word": " ولا", "probability": 0.966796875}, {"start": 1049.3, "end": 1049.68, "word": " نقص،", "probability": 0.85406494140625}, {"start": 1049.68, "end": 1051.84, "word": " لاحظوا", "probability": 0.8499755859375}, {"start": 1051.84, "end": 1052.74, "word": " مرتبط", "probability": 0.9075927734375}, {"start": 1052.74, "end": 1054.38, "word": " السعر", "probability": 0.7736002604166666}, {"start": 1054.38, "end": 1055.28, "word": " بالثمن", "probability": 0.9625651041666666}, {"start": 1055.28, "end": 1055.84, "word": " الأول", "probability": 0.9853515625}], "temperature": 1.0}, {"id": 42, "seek": 108633, "start": 1057.27, "end": 1086.33, "text": "أسف بيق السلعة بثمانية الأول وزيادة ربح المعلومة بيق السلعة بثمانية الأول وزيادة ربح المعلومة في هذه الحالة يكون البيع بيق مرابحة نقطة بيق مرابحة مش مرابحة مصردية مرابحة عادية لو فتحنا كتب الفقه", "tokens": [10721, 3794, 5172, 4724, 1829, 4587, 21136, 1211, 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كارتون بكارتون دين ما بصح حتى لو كان هذا احسن ذهب الذهب بالظبط يجوز و فورا ماشي الحال طيب انا الان", "tokens": [1829, 7435, 2407, 11622, 1975, 15042, 1975, 4117, 2655, 2288, 20193, 7251, 7435, 2407, 11622, 9122, 9640, 2655, 11536, 4724, 4117, 9640, 2655, 11536, 11778, 9957, 19446, 4724, 9381, 5016, 11331, 49975, 45164, 25961, 23758, 1975, 5016, 3794, 1863, 29910, 3224, 3555, 32545, 3224, 3555, 20666, 19913, 3555, 9566, 7251, 7435, 2407, 11622, 4032, 6156, 13063, 995, 3714, 33599, 1829, 21542, 6027, 23032, 1829, 3555, 1975, 8315, 2423, 7649], "avg_logprob": -0.14821427975382123, "compression_ratio": 1.7338709677419355, "no_speech_prob": 1.1324882507324219e-06, "words": [{"start": 2598.61, "end": 2599.21, "word": "يجوز", "probability": 0.9083251953125}, {"start": 2599.21, "end": 2599.79, "word": " اما", "probability": 0.68310546875}, {"start": 2599.79, "end": 2600.19, "word": " اكتر", "probability": 0.9595947265625}, {"start": 2600.19, "end": 2600.33, "word": " لا", "probability": 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{"start": 2642.94, "end": 2644.1, "word": " وهذا", "probability": 0.7320556640625}, {"start": 2644.1, "end": 2644.84, "word": " يوقعني", "probability": 0.9605712890625}, {"start": 2644.84, "end": 2645.08, "word": " في", "probability": 0.97314453125}, {"start": 2645.08, "end": 2645.5, "word": " الربا", "probability": 0.8204752604166666}], "temperature": 1.0}, {"id": 109, "seek": 264924, "start": 2647.3, "end": 2649.24, "text": "واضحة ولا مش واضحة؟", "tokens": [2407, 46958, 5016, 3660, 49429, 37893, 4032, 46958, 5016, 3660, 22807], "avg_logprob": -0.14143880208333334, "compression_ratio": 0.9210526315789473, "no_speech_prob": 0.0, "words": [{"start": 2647.2999999999997, "end": 2648.2, "word": "واضحة", "probability": 0.80517578125}, {"start": 2648.2, "end": 2648.34, "word": " ولا", "probability": 0.87255859375}, {"start": 2648.34, "end": 2648.54, "word": " مش", "probability": 0.98388671875}, {"start": 2648.54, "end": 2649.24, "word": " واضحة؟", "probability": 0.961328125}], "temperature": 1.0}, {"id": 110, "seek": 267684, "start": 2650.4, "end": 2676.84, "text": "المرة التانية مش رأس المال، زائد، الربح، رأس المال كرتون التمر، كانت، وانا الآن المبيع برضه كرتون التمر، وهكذا سأقع في الربا، إذن إنما كان هذا الشرط بُقْضًا للوقوع في الربا، أما الشرط الخامس فهو أن يكون العقد الأول صحيحًا، لأن العقد الأول إن لم يكن صحيحًا، فالعقد الثاني هذا مرتبط بيه، وما بنى على باطل فهو باطل، شكرا لكم", "tokens": [45340, 25720, 16712, 7649, 10632, 37893, 12602, 10721, 3794, 9673, 6027, 12399, 30767, 16373, 3215, 12399, 34892, 49628, 12399, 12602, 10721, 3794, 9673, 6027, 9122, 43500, 11536, 16712, 29973, 12399, 25961, 2655, 12399, 4032, 7649, 995, 6024, 48506, 9673, 21292, 3615, 4724, 43042, 3224, 9122, 43500, 11536, 16712, 29973, 12399, 37037, 4117, 15730, 8608, 10721, 4587, 3615, 8978, 34892, 3555, 995, 12399, 11933, 8848, 1863, 36145, 15042, 25961, 23758, 25124, 2288, 9566, 4724, 10859, 4587, 17195, 11242, 14111, 995, 24976, 30543, 45367, 8978, 34892, 3555, 995, 12399, 5551, 15042, 25124, 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"word": " المال،", "probability": 0.81298828125}, {"start": 2652.34, "end": 2653.04, "word": " زائد،", "probability": 0.869384765625}, {"start": 2653.04, "end": 2653.86, "word": " الربح،", "probability": 0.79345703125}, {"start": 2653.86, "end": 2654.16, "word": " رأس", "probability": 0.9811197916666666}, {"start": 2654.16, "end": 2654.44, "word": " المال", "probability": 0.9921875}, {"start": 2654.44, "end": 2654.82, "word": " كرتون", "probability": 0.7431640625}, {"start": 2654.82, "end": 2655.52, "word": " التمر،", "probability": 0.66796875}, {"start": 2655.52, "end": 2656.24, "word": " كانت،", "probability": 0.7772623697916666}, {"start": 2656.24, "end": 2656.58, "word": " وانا", "probability": 0.570556640625}, {"start": 2656.58, "end": 2656.82, "word": " الآن", "probability": 0.7333984375}, {"start": 2656.82, "end": 2657.24, "word": " المبيع", "probability": 0.95458984375}, {"start": 2657.24, "end": 2657.52, "word": " برضه", "probability": 0.9765625}, {"start": 2657.52, "end": 2657.86, "word": " كرتون", "probability": 0.98876953125}, {"start": 2657.86, "end": 2658.68, "word": " التمر،", "probability": 0.908203125}, {"start": 2658.68, "end": 2659.42, "word": " وهكذا", "probability": 0.8966471354166666}, {"start": 2659.42, "end": 2660.28, "word": " سأقع", "probability": 0.8436279296875}, {"start": 2660.28, "end": 2660.48, "word": " في", "probability": 0.9638671875}, {"start": 2660.48, "end": 2661.04, "word": " الربا،", "probability": 0.7952880859375}, {"start": 2661.04, "end": 2661.34, "word": " إذن", "probability": 0.71240234375}, {"start": 2661.34, "end": 2661.96, "word": " إنما", "probability": 0.840087890625}, {"start": 2661.96, "end": 2662.2, "word": " كان", "probability": 0.98974609375}, {"start": 2662.2, "end": 2662.46, "word": " هذا", "probability": 0.9453125}, {"start": 2662.46, "end": 2662.92, "word": " الشرط", "probability": 0.9700520833333334}, {"start": 2662.92, "end": 2663.5, "word": " بُقْضًا", "probability": 0.7264927455357143}, {"start": 2663.5, "end": 2664.04, "word": " للوقوع", "probability": 0.8736979166666666}, {"start": 2664.04, "end": 2664.46, "word": " في", "probability": 0.935546875}, {"start": 2664.46, "end": 2665.16, "word": " الربا،", "probability": 0.8179931640625}, {"start": 2665.16, "end": 2665.36, "word": " أما", "probability": 0.9599609375}, {"start": 2665.36, "end": 2665.7, "word": " الشرط", "probability": 0.9837239583333334}, {"start": 2665.7, "end": 2666.28, "word": " الخامس", "probability": 0.99267578125}, {"start": 2666.28, "end": 2666.94, "word": " فهو", "probability": 0.8658854166666666}, {"start": 2666.94, "end": 2667.08, "word": " أن", "probability": 0.8203125}, {"start": 2667.08, "end": 2667.44, "word": " يكون", "probability": 0.988525390625}, {"start": 2667.44, "end": 2667.8, "word": " العقد", "probability": 0.98388671875}, {"start": 2667.8, "end": 2668.2, "word": " الأول", "probability": 0.984375}, {"start": 2668.2, "end": 2669.1, "word": " صحيحًا،", "probability": 0.9642857142857143}, {"start": 2669.1, "end": 2669.46, "word": " لأن", "probability": 0.9375}, {"start": 2669.46, "end": 2669.88, "word": " العقد", "probability": 0.9892578125}, {"start": 2669.88, "end": 2670.28, "word": " الأول", "probability": 0.989013671875}, {"start": 2670.28, "end": 2670.48, "word": " إن", "probability": 0.75}, {"start": 2670.48, "end": 2670.58, "word": " لم", "probability": 0.9814453125}, {"start": 2670.58, "end": 2670.84, "word": " يكن", "probability": 0.994140625}, {"start": 2670.84, "end": 2671.9, "word": " صحيحًا،", "probability": 0.9441266741071429}, {"start": 2671.9, "end": 2672.72, "word": " فالعقد", "probability": 0.9080810546875}, {"start": 2672.72, "end": 2673.2, "word": " الثاني", "probability": 0.9661865234375}, {"start": 2673.2, "end": 2673.46, "word": " هذا", "probability": 0.88525390625}, {"start": 2673.46, "end": 2673.94, "word": " مرتبط", "probability": 0.9947509765625}, {"start": 2673.94, "end": 2674.44, "word": " بيه،", "probability": 0.8746337890625}, {"start": 2674.44, "end": 2674.68, "word": " وما", "probability": 0.5499267578125}, {"start": 2674.68, "end": 2674.96, "word": " بنى", "probability": 0.59716796875}, {"start": 2674.96, "end": 2675.16, "word": " على", "probability": 0.9716796875}, {"start": 2675.16, "end": 2675.5, "word": " باطل", "probability": 0.9733072916666666}, {"start": 2675.5, "end": 2675.78, "word": " فهو", "probability": 0.98046875}, {"start": 2675.78, "end": 2676.2, "word": " باطل،", "probability": 0.942138671875}, {"start": 2676.2, "end": 2676.54, "word": " شكرا", "probability": 0.9365234375}, {"start": 2676.54, "end": 2676.84, "word": " لكم", "probability": 0.876220703125}], "temperature": 1.0}], "language": "ar", "language_probability": 1.0, "duration": 2677.7715, "duration_after_vad": 2562.1981249999913}
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/6crblKs9tnk.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/6crblKs9tnk.srt
new file mode 100644
index 0000000000000000000000000000000000000000..40dd4bec452f01df98962bde3512c8b6a881806f
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/6crblKs9tnk.srt
@@ -0,0 +1,1354 @@
+1
+00:00:20,690 --> 00:00:26,290
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:26,290 --> 00:00:31,890
+على رسول الله وعلى
+
+3
+00:00:31,890 --> 00:00:37,550
+آله وصحبه ومن اهتدى بهديه واستنى بسُنته إلى يوم
+
+4
+00:00:37,550 --> 00:00:45,330
+الدين. وبعد، أهلا وسهلا بكم في صبيحة هذا اليوم
+
+5
+00:00:45,330 --> 00:00:52,200
+الأغرّ الأول من ذي الحجة، أول الليالي أو الأيام
+
+6
+00:00:52,200 --> 00:00:59,240
+العشر التي بيّن
+
+7
+00:00:59,240 --> 00:01:07,320
+رسول الله صلى الله عليه وسلم لنا فضلها وعظيم أجر
+
+8
+00:01:07,320 --> 00:01:14,500
+العمل الصالح فيها، عندما قال: "ما من أيام العمل
+
+9
+00:01:14,500 --> 00:01:22,040
+الصالح فيها أحب إلى الله من هذه الأيام" حتى قام أحد
+
+10
+00:01:22,040 --> 00:01:26,480
+الصحابة وقال: "ولا الجهاد في سبيل الله؟" قال صلى الله
+
+11
+00:01:26,480 --> 00:01:32,320
+عليه وسلم: "ولا الجهاد في سبيل الله إلا رجل خرج
+
+12
+00:01:32,320 --> 00:01:37,340
+بنفسه وماله ولم يعد من ذلك بشيء" أو كما قال صلى
+
+13
+00:01:37,340 --> 00:01:42,120
+الله عليه وسلم. أنا من هذا المنطلق أيها الإخوة
+
+14
+00:01:42,120 --> 00:01:49,670
+الكرام، ونحن في بداية هذه الأيام، أهيب بكم وبنفسي
+
+15
+00:01:49,670 --> 00:01:55,570
+أولا أن نستثمر هذه الأيام المباركة في العمل الصالح
+
+16
+00:01:55,570 --> 00:02:01,350
+وفي الطاعات، والتقرب إلى الله سبحانه وتعالى بكل
+
+17
+00:02:01,350 --> 00:02:09,100
+أشكال وأنواع الطاعات. يعني يكفي هذه الأيام شرفا أن
+
+18
+00:02:09,100 --> 00:02:13,840
+الله عز وجل أقسم بها في كتابه العزيز عندما قال:
+
+19
+00:02:13,840 --> 00:02:18,860
+"والفجر وليال عشر". وعند أكثر العلماء والمفسرين
+
+20
+00:02:18,860 --> 00:02:25,560
+أنها هذه الأيام، ليالي هذه الأيام العشر. يكفيها شرفا
+
+21
+00:02:25,560 --> 00:02:33,350
+أن فيها يوم عرفة، هذا اليوم الذي يعدل صيامه أو يكفر
+
+22
+00:02:33,350 --> 00:02:41,790
+صيام سنة سابقة وسنة لاحقة. فعليكم
+
+23
+00:02:41,790 --> 00:02:49,250
+و أوصيكم بهذه الأيام، فإنه في بعض الروايات أن العمل
+
+24
+00:02:49,250 --> 00:02:56,180
+فيها والأجر فيها يتضاعف إلى سبعمائة ضعف. أسأل الله
+
+25
+00:02:56,180 --> 00:03:01,120
+سبحانه وتعالى أن يوفقنا وإياكم للعمل الصالح في هذه
+
+26
+00:03:01,120 --> 00:03:06,440
+الأيام المباركة. طبعا، على رأس الأعمال الصالحة
+
+27
+00:03:06,440 --> 00:03:10,840
+الصيام أيها الإخوة الكرام في هذه الأيام، أو ما تيسر
+
+28
+00:03:10,840 --> 00:03:16,480
+منها، إضافة إلى الصدقات والذكر والطاعات وغير ذلك.
+
+29
+00:03:16,480 --> 00:03:19,500
+لنعد بعد ذلك إلى التأمين
+
+30
+00:03:23,330 --> 00:03:31,010
+والذي بدأنا، أو نكاد نقترب من محطاته النهائية، بعد
+
+31
+00:03:31,010 --> 00:03:39,870
+أن انتهينا من الحديث عن تعريفه وأنواعه ونشأته و...
+
+32
+00:03:39,870 --> 00:03:42,890
+أنا
+
+33
+00:03:42,890 --> 00:03:48,930
+...و... أتمنى التجارة على وجه الخصوص، تعريفا وعناصر
+
+34
+00:03:48,930 --> 00:03:55,420
+وخصائص... وأنواع أيضا... أنواع التأمين التجاري.
+
+35
+00:03:55,420 --> 00:03:59,820
+أفضل أن نتحدث عنها آخر شيء...لا، أنواع التأمين
+
+36
+00:03:59,820 --> 00:04:04,780
+التجاري، آه.
+
+37
+00:04:04,780 --> 00:04:10,300
+وفصلنا...وفصلنا في الأضرار والتأمين على
+
+38
+00:04:10,300 --> 00:04:13,920
+الأشخاص والتأمين على ال...آه، خلصنا يعني تقريبا.
+
+39
+00:04:13,920 --> 00:04:26,760
+إذا، بعد يا إخوان، كل هذه الاطلالة حول التأمين، يقف
+
+40
+00:04:26,760 --> 00:04:38,840
+بين مركبنا عند شاطئ حكمٍ من أحكام
+
+41
+00:04:38,840 --> 00:04:46,580
+التأمين عند علماء المسلمين، بين المانعين والمجيزين.
+
+42
+00:04:48,980 --> 00:04:54,920
+إحنا يمكن في الآخر...في آخر محاضرة كنا قد تحدثنا
+
+43
+00:04:54,920 --> 00:05:01,800
+بشئٍ من التفصيل حول الخصائص التي يتميز بها عقد
+
+44
+00:05:01,800 --> 00:05:07,660
+التأمين التجاري، وقلنا، إن كنتم تذكرون، أن هذه
+
+45
+00:05:07,660 --> 00:05:16,460
+الخصائص هي التي ستعطينا تصورا حول الحكم،
+
+46
+00:05:18,260 --> 00:05:26,540
+هي التي أعطت قبل ذلك التصور للعلماء قبل أن يصدروا
+
+47
+00:05:26,540 --> 00:05:33,820
+حكمهم. فلا يُعقل أن يصدر العلماء حكما على قضية أو
+
+48
+00:05:33,820 --> 00:05:39,640
+على معاملة قبل أن يتعرفوا على حقيقتها ويتصوروا
+
+49
+00:05:39,640 --> 00:05:47,530
+أبعادها وخصائصها. فكان، ومن أجل ذلك، نحن تحدثنا عن
+
+50
+00:05:47,530 --> 00:05:52,370
+هذه الخصائص، ليس من أجل أن نصدر حكما، ولكن من أجل أن
+
+51
+00:05:52,370 --> 00:05:57,130
+نتفهم كيف تم إصدار الحكم. إحنا مش إحنا اللي هنصدر
+
+52
+00:05:57,130 --> 00:06:02,940
+الحكم، أصدروا وخلص وانتهى، لكن إحنا تعرفنا على
+
+53
+00:06:02,940 --> 00:06:08,100
+الخصائص وعلى العناصر وعلى التعريف، عشان نتصور عن
+
+54
+00:06:08,100 --> 00:06:15,100
+التأمين، ومن ثم نتفهم يعني لماذا قال من قال بالمنع،
+
+55
+00:06:15,100 --> 00:06:21,520
+بناء على أي خصائص، ولماذا قال من قال بالجواز، ولماذا
+
+56
+00:06:21,520 --> 00:06:26,470
+قال من قال بالتفصيل؟ هذا هو المقصود حقيقة، ولينا نفهم
+
+57
+00:06:26,470 --> 00:06:31,650
+يعني هذه المعاملة. وهذا يا أخي حقيقة فيه فائدة عظيمة،
+
+58
+00:06:31,650 --> 00:06:37,250
+أقول، وهي متمثلة في عدم التعصب لرأيٍ. إذا عرفنا يعني
+
+59
+00:06:37,250 --> 00:06:42,940
+نحن نرى كثيرا من الناس، أو كثيرا من الدارسين، أو
+
+60
+00:06:42,940 --> 00:06:49,100
+المتناقشين، يعني قيل له أو عرف رأيا أو نقل رأيا أو
+
+61
+00:06:49,100 --> 00:06:52,960
+قرأ رأيا، استوى على رأي هنا أو هناك من هذا العالم
+
+62
+00:06:52,960 --> 00:06:59,420
+أو ذاك عن حرمة التأمين مثلا، فتمسك به، أخذ يعني يرى
+
+63
+00:06:59,420 --> 00:07:04,360
+في غيره الحرمة،
+
+64
+00:07:04,360 --> 00:07:10,920
+دون مزيد من النظر، دون مزيد من العلم، دون مزيد من
+
+65
+00:07:10,920 --> 00:07:17,750
+البحث. لكن أنت عندما تعرف أن المسألة فيها نظر،
+
+66
+00:07:17,750 --> 00:07:23,250
+المسألة فيها خلاف، يعني تتحرر من التعصب على الأقل،
+
+67
+00:07:23,250 --> 00:07:31,630
+حتى وإن ملت وترجح لديك رأي من الآراء، يعني يضل واقع
+
+68
+00:07:31,630 --> 00:07:38,280
+في نفسك أن هناك رأي آخر، وبالتالي لا تتعصب كثيرا ولا
+
+69
+00:07:38,280 --> 00:07:41,620
+تنكر
+
+70
+00:07:41,620 --> 00:07:47,380
+على من قال بغير ذلك. نحن ننكر على الآراء أو على
+
+71
+00:07:47,380 --> 00:07:52,300
+الأقوال التي لا دليل عليها. نحن ننكر على من أخذ
+
+72
+00:07:52,300 --> 00:08:01,190
+بمسألة، وثم الإجماع على خلافها. لكن عندما يكون هناك
+
+73
+00:08:01,190 --> 00:08:08,330
+اختلاف، الاختلاف رحمة، والاختلاف توسعة، وبعد عن
+
+74
+00:08:08,330 --> 00:08:15,890
+التعصب. على كل الأحوال، إذا، لنعد إلى معرفة آراء
+
+75
+00:08:15,890 --> 00:08:21,130
+العلماء. إحنا وإحنا نتحدث يا إخوة عن نشأة التأمين
+
+76
+00:08:21,130 --> 00:08:27,380
+في بداية حديثنا قلنا أن التأمين التجاري على وجه
+
+77
+00:08:27,380 --> 00:08:32,920
+الخصوص لم يصل إلى، ولم يعرفه، لم تعرفه المجتمعات
+
+78
+00:08:32,920 --> 00:08:38,120
+الإسلامية إلا حديثا نسبيا، في أواخر القرن أو في نصف
+
+79
+00:08:38,120 --> 00:08:42,380
+القرن التاسع عشر، يعني أقل من مئة سنة ربما أو نحو
+
+80
+00:08:42,380 --> 00:08:42,820
+ذلك.
+
+81
+00:08:47,520 --> 00:08:52,720
+ولم يكن من قبل معروفا، وبالتالي لم يتحدث العلماء
+
+82
+00:08:52,720 --> 00:08:58,080
+القدامى فيه لأنه لم يكن موجودا، ولم تكن الحاجة إليه
+
+83
+00:08:58,080 --> 00:09:02,360
+أيضا ماسة. لكن لما وجد، مباشرة
+
+84
+00:09:04,150 --> 00:09:12,850
+هبّ علماؤنا المعاصرون لوجود أو لوصول التأمين إلى
+
+85
+00:09:12,850 --> 00:09:20,750
+بلادنا لبيان الحكم مباشرة. وقلنا يومها أن أول من
+
+86
+00:09:20,750 --> 00:09:28,530
+تصدر بيان الحكم على التأمين من العلماء هو محمد بن
+
+87
+00:09:28,530 --> 00:09:35,110
+عبدين، العلامة الحنفي المذهب، لأنه هما يعني كان في عهد
+
+88
+00:09:35,110 --> 00:09:39,490
+الأتراك، والأتراك كانوا يعني كان مذهبهم حنفيا، حتى
+
+89
+00:09:39,490 --> 00:09:46,330
+أن المجلة العدلية التي كانوا يعني يشرّعون ويحكمون
+
+90
+00:09:46,330 --> 00:09:51,270
+من خلال قوانينها مردودة إلى المذهب الحنفي، فهو كان
+
+91
+00:09:51,270 --> 00:10:00,850
+يعني هو من العلماء المميزين والمشهورين، فتصدر إلى
+
+92
+00:10:00,850 --> 00:10:08,960
+البيان. أنا لا أريد هنا أن أقول
+
+93
+00:10:08,960 --> 00:10:15,400
+ما قاله بالمعنى، ولكن أريد أن أتلو كلامه بمصرّح،
+
+94
+00:10:15,400 --> 00:10:23,640
+لأهميته. هذا كلام ابن عبدين، يعتبر أول حكم صدر في
+
+95
+00:10:23,640 --> 00:10:29,260
+التأمين، أول فتوى صدرت في التأمين. وانظروا، وأنا عاوز
+
+96
+00:10:29,260 --> 00:10:36,520
+أقف عند بعض الوقفات، لأن سنستفيد منها فيما بعد. ماذا قال
+
+97
+00:10:36,520 --> 00:10:42,100
+محمد بن عبدين؟ ليسمعنا أحدكم ماذا قال بصوت مرتفع.
+
+98
+00:10:42,100 --> 00:10:42,740
+تفضل.
+
+99
+00:10:45,990 --> 00:10:50,610
+قررناه من عدم جواز أخذ مال الكافر الحربي بعقد فاسد،
+
+100
+00:10:50,610 --> 00:10:56,350
+وجوازه في دار الحرب برضاه، ولو بربا. يظهر جواب ما
+
+101
+00:10:56,350 --> 00:11:00,570
+كثر السؤال عنه في زماننا الآن. يعني بدأ يحكي، يظهر
+
+102
+00:11:00,570 --> 00:11:05,990
+جواب ما كثر السؤال عنه في زماننا، وهي مسألة التأمين.
+
+103
+00:11:05,990 --> 00:11:13,950
+لما بدأ يدخل التأمين، بدأ التساؤل عن حكمه، فيتصدى
+
+104
+00:11:13,950 --> 00:11:15,830
+للبيان، ماذا يقول؟
+
+105
+00:11:18,930 --> 00:11:24,370
+أول ملاحظة، قبل ما يبدأ ببيان الحكم، بدأ بإيش؟
+
+106
+00:11:24,370 --> 00:11:31,870
+بتوصيف، أولا بتوصيف المعاملة، آه، توصيفها، وهذا من
+
+107
+00:11:31,870 --> 00:11:37,530
+إبداع العلماء، ما جاش خلاص هي حرام ولا حلال، لأ،
+
+108
+00:11:37,530 --> 00:11:42,770
+بدأ بتوصيفها، أنه جرت العادة، شوف كيف التفصيل،
+
+109
+00:11:42,770 --> 00:11:45,370
+توصيف مفصل، نعم.
+
+110
+00:11:48,970 --> 00:11:53,850
+يدفعون له أجرته، ويدفعون أيضا مالا معلوما لرجل حربي
+
+111
+00:11:53,850 --> 00:11:58,590
+مقيم في البلد، أن تجارة، إذا استجاروا مركبا من حربي،
+
+112
+00:11:58,590 --> 00:12:03,590
+ولاحظوا هنا في توصيف للواقع كمان. كانت المعاملة
+
+113
+00:12:03,590 --> 00:12:10,450
+لأن شركات التأمين في وقتها كان القائمون عليها من
+
+114
+00:12:10,450 --> 00:12:15,150
+الحربيين، من الأوروبيين، اللي ما كانتش حالة سلم بينهم
+
+115
+00:12:15,150 --> 00:12:22,480
+وبينهم. لكن لما كانت الدولة يعني تعاني ما تعاني، سمحت
+
+116
+00:12:22,480 --> 00:12:32,600
+لهؤلاء بعقد أمام...يعني يا إخوة بالمناسبة هنا وإن
+
+117
+00:12:32,600 --> 00:12:36,480
+كانت الدول، الدولة الأخرى، الدولة الكافرة، العلاقة
+
+118
+00:12:36,480 --> 00:12:42,620
+بينها تعتبر حربية، لكن لا يمنع بين أن تنقطع
+
+119
+00:12:42,620 --> 00:12:48,350
+العلاقات بيننا وبينهم بالمرة. ممكن تصير نوع من
+
+120
+00:12:48,350 --> 00:12:53,510
+المصالحات والهدن والمفاوضات، وإن لم يكن حالة حرب،
+
+121
+00:12:53,510 --> 00:13:00,250
+فيمكن أن يكون تواصل بيننا وبينهم بشكل أو بآخر. ومن
+
+122
+00:13:00,250 --> 00:13:05,210
+ذلك، عقد الأمان الذي يتم منحه من قبل الدول المسلمة
+
+123
+00:13:05,210 --> 00:13:14,270
+للتجار، للسياحين، للرسل الذين يحملون رسالة الحكام
+
+124
+00:13:14,270 --> 00:13:19,830
+إليهم أو إلى غير ذلك. من ضمنها، فهم كانوا بيعطوا
+
+125
+00:13:19,830 --> 00:13:23,850
+يعني تراخيص، إن صح التعبير، أو قود أمان لشركات
+
+126
+00:13:23,850 --> 00:13:29,390
+التعامل الأوروبية، أن تشتغل عندهم، وتعمل مكاتب
+
+127
+00:13:29,390 --> 00:13:31,590
+تتعامل مع التجارة.
+
+128
+00:13:34,280 --> 00:13:42,040
+ولم يكن المسلمون هم الذين يعني بدأوا التعامل بهذه،
+
+129
+00:13:42,040 --> 00:13:46,340
+يعني البداية جاتنا من الغرب هذه المعاملة، وهو أنه
+
+130
+00:13:46,340 --> 00:13:49,880
+جرت العادة أن التجار، تجار مسلمين كانوا
+
+131
+00:13:49,880 --> 00:13:54,980
+يستأجرون مركبا من حربي، يدفعون له أجرته، ويدفعون
+
+132
+00:13:54,980 --> 00:13:57,800
+أيضا الأجرة، مالها، ما فيه فيها مشكلة، الأجرة
+
+133
+00:13:59,010 --> 00:14:04,230
+الإيجار في حد ذاته، لا إشكال فيه شرعا، لكن مال، أجرأ، إيش؟
+
+134
+00:14:04,230 --> 00:14:10,150
+كمان؟ ويدفعون أيضا مالا معلوما. أيوة، هنا يبدأ الحديث
+
+135
+00:14:10,150 --> 00:14:13,750
+عن التأمين. ويدفعون أيضا مالا معلوما لرجل الحربي
+
+136
+00:14:13,750 --> 00:14:19,670
+مقيم في بلدهم، ويسمى ذلك المال سوكرة. المال السوكرة،
+
+137
+00:14:19,670 --> 00:14:25,750
+هذه تسمية للمال الذي يدفعه التجار إلى
+
+138
+00:14:28,180 --> 00:14:33,000
+أصحاب مكاتب التأمين الحربيين، أصحاب مكاتب التأمين
+
+139
+00:14:33,000 --> 00:14:37,120
+أو شركات التأمين، وكان يسمى Socara، اللي هو قصد...
+
+140
+00:14:37,120 --> 00:14:43,020
+قصد التأمين اللي اليوم بنسميه، قصد التأمين كان يسمى
+
+141
+00:14:43,020 --> 00:14:46,360
+يومها Socara، وكأن الكلمة في الأصل في كلمة يعني
+
+142
+00:14:46,360 --> 00:14:51,540
+فرنسية أو يعني لاتينية أو غير ذلك. على أنه مقابل
+
+143
+00:14:51,540 --> 00:14:53,080
+ماذا؟ يدفعون الـ Socara هذه؟
+
+144
+00:14:56,600 --> 00:15:00,580
+بدأت صورة التأمين تطبع...حتى كلمة التأمين ما...
+
+145
+00:15:00,580 --> 00:15:05,000
+ما كانتش معروفة، ما كانش...بسموهوش تأمين، يعني كأنه
+
+146
+00:15:05,000 --> 00:15:09,880
+يريدون أن يقولوا لغيره، لايُليق، لأن التأمين في معنى
+
+147
+00:15:09,880 --> 00:15:19,380
+يعني معنى إيجابي، في معنى حل، في معنى تعاون، لكنه
+
+148
+00:15:19,380 --> 00:15:22,940
+ولا جاب صورة التأمين، جالكسوكرة، قرأ على أنه
+
+149
+00:15:25,610 --> 00:15:29,190
+من المال اللي في المركب، بحرق أو غرق؟ في المركب مال
+
+150
+00:15:29,190 --> 00:15:33,430
+ديني، مال التجار المسلمين، اللي دفعوا سوكرة أو
+
+151
+00:15:33,430 --> 00:15:40,210
+ضريبة أو قسطا أو إلى غير ذلك، بحرق أو غرق أو
+
+152
+00:15:40,210 --> 00:15:48,850
+نهب أو غير ذلك. فذلك الرجل ضامن لهم بمقابلة ما يأخذه
+
+153
+00:15:48,850 --> 00:15:55,110
+منهم. فذلك الرجل، اللي هو الأجنبي، هذا الحربي، ضامن،
+
+154
+00:15:55,110 --> 00:16:00,170
+مؤمِّن، يعني المؤمِّن، واللي هو وكيل عنه مستأمن في دارنا.
+
+155
+00:16:00,170 --> 00:16:04,010
+...طبعا هو المعلم الكبير، قاعد يا في باريس يا في
+
+156
+00:16:04,010 --> 00:16:08,690
+لندن، يا في هانيا، في هانيا، لكن بقعد مندوب عنه في
+
+157
+00:16:08,690 --> 00:16:13,210
+بلاد المسلمين، في المكتب، موظف، مندوب، وكيل، هو
+
+158
+00:16:13,210 --> 00:16:18,210
+اللي بيأخذ وبيوصل، هو اللي بيتعامل بالعقود، نعم، بإذن
+
+159
+00:16:18,210 --> 00:16:21,990
+السلطان يقضي المال السُّكرة، وإذا هلك من مالهم في
+
+160
+00:16:21,990 --> 00:16:28,220
+البحر شئ، يؤدي ذلك المستأمن للتجار بدله تماما. يعني
+
+161
+00:16:28,220 --> 00:16:33,020
+طب نفس أقل التأمين، ولا لا؟ لحظوا نفس الصورة لكن
+
+162
+00:16:33,020 --> 00:16:39,340
+الصورة كانت بين التجار المسلمين وحربيين. وأضيف
+
+163
+00:16:39,340 --> 00:16:44,960
+إلى ذلك أنه، إلى ذلك الوقت يعني كانت صورة التأمين
+
+164
+00:16:45,530 --> 00:16:52,370
+يعني أولا جديدة، نادرة، فيها القصب أو السّكرة كبير،
+
+165
+00:16:52,370 --> 00:16:59,850
+وبالتالي فيه استغلال وظلم شديد. لم تكن تتدخل
+
+166
+00:16:59,850 --> 00:17:04,890
+الحكومات بعد في تشريع التأمين. لم تجبر الحكومات
+
+167
+00:17:04,890 --> 00:17:11,680
+بعد أي شخص على التأمين، لم تربط مصالح الناس بالتأمين.
+
+168
+00:17:11,680 --> 00:17:15,940
+كل هذه المعطيات أرجو أن تلاحظ في ظل الحكم الذي
+
+169
+00:17:15,940 --> 00:17:23,800
+سيصدره ابن عبدين، ثم قال، صحيح؟ الآن هذا كله توصيف،
+
+170
+00:17:23,800 --> 00:17:29,800
+كان توصيف للصورة، للقضية التي يريد بيان حكمها، ثم
+
+171
+00:17:29,800 --> 00:17:39,280
+قال؟ آه، الآن لاحظوا يا إخوة كلام علماؤنا و...و
+
+172
+00:17:39,280 --> 00:17:46,140
+أمانتهم و
+
+223
+00:22:35,400 --> 00:22:42,720
+ممتلكاته وعلى أمواله، انتهى الأمر. هذا لم يمنع ابن
+
+224
+00:22:42,720 --> 00:22:51,460
+عبدين أن يقول.. فضل.. لا يحل للتاجر المسلم الذي
+
+225
+00:22:51,460 --> 00:22:54,240
+كان الذي يده، كان الذي يدفع، ويمكن الذي يأتي له
+
+226
+00:22:54,240 --> 00:23:00,540
+تخريجة من عبدين ولا يعجز، لكن إنه إمامه الحق، ليس
+
+227
+00:23:00,540 --> 00:23:05,500
+غيره. أخذ بدل الهالك من المال لأن هذا التزام ما لم
+
+228
+00:23:05,500 --> 00:23:13,440
+ينجح. لا يحل أخذ البدل للهالك. طبعا هو واحد يقوله
+
+229
+00:23:13,440 --> 00:23:20,260
+وطبعا هو مات، جابش سيرة إيش حكم السكرة أو القصة لأنه
+
+230
+00:23:20,260 --> 00:23:24,820
+يعني الذي أخذه كافر ولا يهمه إن كان حلالا أو
+
+231
+00:23:24,820 --> 00:23:30,580
+حراما. احنا الآن نتكلم عن المال الذي بدنا ناخذ بدل
+
+232
+00:23:30,580 --> 00:23:37,200
+التعويض. هل يجوز لنا؟ قال لك لا يجوز. هذا بدل الهالك
+
+233
+00:23:37,200 --> 00:23:41,780
+حتى ولو أنا دفعه، لأنه التزام لا يلزم وذكر
+
+234
+00:23:41,780 --> 00:23:47,820
+العلة مختصرة طبعا. مختصرة، التزام لأننا ألزمناه
+
+235
+00:23:47,820 --> 00:23:55,510
+ألزمنا من؟ الـذي، هذا المندوب أو صاحب المؤمن أو صاحب
+
+236
+00:23:55,510 --> 00:24:01,210
+الشركة، ما لا يلزمه ما لم تلزمه إياه الشريعة لأن
+
+237
+00:24:01,210 --> 00:24:06,130
+العقد ابتداؤه باطل ولأنه، كما سنرى بعد قليل، لم
+
+238
+00:24:06,130 --> 00:24:13,210
+يتسبب هو. لماذا سنلزمه؟ كيف سنلزمه؟ بأي وجه كأنه
+
+239
+00:24:13,210 --> 00:24:21,450
+نريده أن يقول؟ بأي وجه نلزمه؟ هل هو متسبب في تلف وضرر
+
+240
+00:24:21,450 --> 00:24:29,370
+وغرق وحرق البضاعة؟ هل هو متسبب في قلبها إذا قلبتها
+
+241
+00:24:29,370 --> 00:24:35,390
+الرياح أو القراصنة أو غيرها من أمالي؟ وهل أخذي لهذه
+
+242
+00:24:35,390 --> 00:24:40,530
+الأموال يلزمني بدفع هذه المبالغ الطائلة أو غير
+
+243
+00:24:40,530 --> 00:24:46,590
+الطائلة؟ لا يلزمني. العقد أساسا باطل وفق هذه
+
+244
+00:24:46,590 --> 00:24:52,010
+المعايير ووفق هذه التوصيفات والنتيجة المترتبة عليه
+
+245
+00:24:52,010 --> 00:25:00,750
+كذلك، لمن يبطل العقد، كل الالتزامات تبطل. هذه كانت يا
+
+246
+00:25:00,750 --> 00:25:05,730
+أخوة، أول فتوى، أول حكم يصدر في التأمين، ولحظوا
+
+247
+00:25:05,730 --> 00:25:14,300
+الصورة الآن. لكن يا إخوة، احنا قلنا بغض النظر صدر
+
+248
+00:25:14,300 --> 00:25:21,990
+الحكم، لكن أحيانا عندما لا يكون بديل، عندما لا يكون
+
+249
+00:25:21,990 --> 00:25:28,150
+هناك بدائل، مافيش قيمة كبيرة بتكون للحكم، بمعنى
+
+250
+00:25:28,150 --> 00:25:32,530
+حرام، طب جيب لي البديل، مافيش بديل، كأنك يعني..
+
+251
+00:25:32,530 --> 00:25:37,270
+يعني ما أقدرش أنا.. يعني أبعد الناس عن الحرام إذا
+
+252
+00:25:37,270 --> 00:25:43,410
+ما وجدتش.. ما وجدتش لهم البديل من الحلال. طب ما في..
+
+253
+00:25:43,410 --> 00:25:48,150
+ضال البديل؟ مافيش بديل، الحكم بال.. بالحرمة، لكن
+
+254
+00:25:48,150 --> 00:25:53,310
+مافيش بدائل، فظل الناس وإيه؟ يتعاملون، بغض النظر عن
+
+255
+00:25:53,310 --> 00:25:57,370
+أحد الآن. لا نبرر تعاملهم اسمه أجازة، دكتور، في..
+
+256
+00:25:57,370 --> 00:26:01,420
+في.. في.. شغل أجازة. يعني هنا حسب ما بيقول، إذا وقع
+
+257
+00:26:01,420 --> 00:26:04,900
+في ديار غير الإسلام، فإنه يجوز للمسلم أن يأخذ بدل
+
+258
+00:26:04,900 --> 00:26:11,360
+الهالك من الكافر الحربي إذا رضى. هذه صورة أخرى، هو
+
+259
+00:26:11,360 --> 00:26:16,940
+أجازة يا إخوة. صورة التعامل بالتأمين في غير ديار
+
+260
+00:26:16,940 --> 00:26:24,460
+المسلمين، في ديار الحرب. لو كان المسلم عمل عملية أو
+
+261
+00:26:24,460 --> 00:26:31,520
+المعاملة والتعاقد في أوروبا، فيجوز له، وادعاء على
+
+262
+00:26:31,520 --> 00:26:35,100
+مذهب الحنفي فقط بالمناسبة، على مذهبهم لأنهم
+
+263
+00:26:35,100 --> 00:26:39,600
+يعتبروا أن الأحكام في ديار الحرب قد تختلف عنها في
+
+264
+00:26:39,600 --> 00:26:43,740
+ديار الإسلام في بعض الجوانب. ومن هذه الأمور، لكن أنا
+
+265
+00:26:43,740 --> 00:26:47,720
+دامت أنا في بلاد المسلمين، الأصل أنه أطبق أحكام
+
+266
+00:26:47,720 --> 00:26:51,940
+الإسلام وأحكام الشريعة. ما حدش بالزمن أنا هناك مضطر
+
+267
+00:26:51,940 --> 00:26:56,960
+أو هناك قوانينهم تجبره على أن يدفع عليه، فهو أنا
+
+268
+00:26:56,960 --> 00:27:01,720
+أخذت القانون هو، لكن أنا في بلاد المسلمين تحت مضلة
+
+269
+00:27:01,720 --> 00:27:05,260
+شريعة الإسلام، شريعة الإسلام لا تجبره، فلا يحل له
+
+270
+00:27:05,260 --> 00:27:06,340
+الآن.
+
+271
+00:27:09,360 --> 00:27:14,420
+يعني أخونا يريد أن يقول إن الصورة، بمعنى
+
+272
+00:27:14,420 --> 00:27:19,760
+اليوم، صورة التأمين اليوم اختلفت في جوانب كثيرة اختلفت
+
+273
+00:27:19,760 --> 00:27:24,500
+سواء من حيث قيمة القصد، من حيث تدخل الدولة، من حيث
+
+274
+00:27:24,500 --> 00:27:30,240
+أن التأمين أصبح في بلاد المسلمين كلها وليس بين يعني
+
+275
+00:27:30,240 --> 00:27:34,840
+مسلمين وغير مسلمين، وإن كانت بالمناسبة هذه الـ
+
+276
+00:27:34,840 --> 00:27:42,510
+معظم شركات التأمين هي شركات أوروبية. معظم شركات
+
+277
+00:27:42,510 --> 00:27:47,330
+التأمين زي البنوك، البنوك التي بنشوفها معظمها
+
+278
+00:27:47,330 --> 00:27:53,630
+بتلاقيها بنوك تتواصل معها وبت.. بت.. بت.. بت
+
+279
+00:27:53,630 --> 00:27:54,870
+ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت
+
+280
+00:27:54,870 --> 00:27:54,930
+ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت
+
+281
+00:27:54,930 --> 00:27:55,250
+ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت
+
+282
+00:27:55,250 --> 00:27:56,370
+ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت
+
+283
+00:27:56,370 --> 00:27:59,170
+ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت
+
+284
+00:27:59,170 --> 00:27:59,370
+ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت
+
+285
+00:27:59,370 --> 00:27:59,450
+ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت
+
+286
+00:27:59,450 --> 00:28:00,130
+ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت.. ت
+
+287
+00:28:00,130 --> 00:28:10,700
+المستقلة، سواء أو بعض البنوك
+
+288
+00:28:10,700 --> 00:28:17,200
+المستقلة. على كل الأحوال، هذه الصورة، هذا هو الحكم
+
+289
+00:28:17,200 --> 00:28:21,540
+الذي أصدره. احنا الآن بهمنا يعني الصورة التي ذكرها
+
+290
+00:28:21,540 --> 00:28:24,960
+أخونا، الذي قالها، هذا الحل، هذا في غير بلاد المسلمين
+
+291
+00:28:24,960 --> 00:28:28,100
+عندما يكون المسلم تعامل بها في غير بلاد المسلمين
+
+292
+00:28:28,100 --> 00:28:33,040
+لكن نحن الآن نتحدث عن التأمين الذي يقع في بلاد
+
+293
+00:28:33,040 --> 00:28:38,210
+المسلمين ويتعامل به المسلمون ويتعامل به المسلمون
+
+294
+00:28:38,210 --> 00:28:43,550
+أنفسهم. والتعامل لم يقتصر هنا على مسلم وحربي، بل
+
+295
+00:28:43,550 --> 00:28:50,730
+أصبح مسلم ومسلم أيضا. بعد
+
+296
+00:28:50,730 --> 00:28:55,570
+يا إخوة، كما قلت، رغم أن الفتوى كانت بالحرمة، يعني
+
+297
+00:28:55,570 --> 00:29:00,470
+استجابة، ربما من استجاب، ولم يستجب من لم يستجب، وظل
+
+298
+00:29:00,470 --> 00:29:02,390
+الأمر ينتشر، لكن
+
+299
+00:29:04,740 --> 00:29:10,500
+بعد أن شعر الناس، لأن مافيش بديل، كما قلت، بنوع من
+
+300
+00:29:10,500 --> 00:29:15,100
+استقرار المعاملات، بنوع من تحقيق بعض المصالح من هذا
+
+301
+00:29:15,100 --> 00:29:24,240
+التأمين، يعني وبدأ وشعرت الدولة بأهميته وتلبيته
+
+302
+00:29:24,240 --> 00:29:29,780
+لحاجيات الناس، بدأت تتدخل الدولة وتشرعن وتقنن وتخفف
+
+303
+00:29:29,780 --> 00:29:38,360
+القصد، وتضع له الشروط المناسبة والمتوازنة وعادلة
+
+304
+00:29:38,360 --> 00:29:43,280
+وأصبحت تجبر الناس على الالتزام به في كثير من
+
+305
+00:29:43,280 --> 00:29:52,770
+المعاملات، وأصبح له انتشارا كبيرا في سائر المجالات،
+
+306
+00:29:52,770 --> 00:29:56,190
+عاد
+
+307
+00:29:56,190 --> 00:30:02,640
+التساؤل من جديد. عاد التساؤل من جديد، هل يا جماعة
+
+308
+00:30:02,640 --> 00:30:12,640
+اليوم التأمين بعد أن يعني تطور وأصبح على هذه
+
+309
+00:30:12,640 --> 00:30:17,020
+الصورة التي نراها اليوم، بعد أن دخل كل بيت، بعد أن
+
+310
+00:30:17,020 --> 00:30:22,060
+ارتبطت مصالح المجتمع به، بعد أن أجبرت الدولة الناس
+
+311
+00:30:22,060 --> 00:30:27,660
+على التعامل به في بعض المجالات، بعد أن خف القصد
+
+312
+00:30:27,660 --> 00:30:31,780
+بعد أن حقق مصالح، بعد.. بعد.. بعد.. بعد أن تغيرت الصورة
+
+313
+00:30:31,780 --> 00:30:37,260
+بمعنى الذي هو ابن عبدين حرمها، الصورة اختلفت، فكأنه
+
+314
+00:30:37,260 --> 00:30:41,960
+قضية جديدة بالمرة، لأنه احنا قلنا زمان الحكم يدور
+
+315
+00:30:41,960 --> 00:30:44,820
+مع الـ.. الـ.. الـ.. الـذي من أجله كان التحريم، ربما
+
+316
+00:30:44,820 --> 00:30:53,730
+اختلفت الصورة، اختلفت شوية، فعادت طرحه من جديد على
+
+317
+00:30:53,730 --> 00:31:00,930
+العلماء. عندها اختلفت أو اختلف العلماء على ثلاثة
+
+318
+00:31:00,930 --> 00:31:08,470
+آراء. فمن قائل بالمنع استمرارا لما قاله وحكم
+
+319
+00:31:08,470 --> 00:31:17,230
+به ابن عبدين، ومنهم من غير رأيهم، أو مش رأيه يعني
+
+320
+00:31:17,230 --> 00:31:26,020
+خالف رأيهم، وقال لا، هذا ليس
+
+321
+00:31:26,020 --> 00:31:31,500
+التأمين الذي حرمه ابن عبدين، ولو كان هو هو، حتى وإن
+
+322
+00:31:31,500 --> 00:31:35,560
+كان هذا اجتهادا من ابن عبدين، لا يعني أنه تحريمه
+
+323
+00:31:35,560 --> 00:31:42,850
+متحريما قاطعا. احنا شايفين أنه يجوز، وعندنا أدلتنا
+
+324
+00:31:42,850 --> 00:31:48,850
+منهم من نظر نظرة أكثر يعني تفصيلا وعمقا فقال
+
+325
+00:31:48,850 --> 00:31:53,570
+والله احنا يعني لسنا لا نقول بالمنع المطلق ولا
+
+326
+00:31:53,570 --> 00:31:58,090
+بالإباحة المطلقة، ولكن نفصل. فهناك صور من صور
+
+327
+00:31:58,090 --> 00:32:03,390
+التأمين نقول بحرمتها، و أخرى نقول بإباحتها و مشروعيتها.
+
+328
+00:32:04,930 --> 00:32:10,370
+مرد الاختلاف أيها الأخوة، منشأ الاختلاف في ذلك
+
+329
+00:32:10,370 --> 00:32:15,070
+أمرين. منشأ الاختلاف، لماذا وجد هذا الاختلاف؟
+
+330
+00:32:15,070 --> 00:32:20,790
+احنا قلنا نعم، أولا
+
+331
+00:32:20,790 --> 00:32:25,710
+هو عقد جديد، يعني اجتهادي، فاكرين في الخصائص؟ مش
+
+332
+00:32:25,710 --> 00:32:30,950
+قلنا عقد جديد، عقد جديد يعني اجتهادي، يعني تتعدد
+
+333
+00:32:30,950 --> 00:32:36,070
+فيه القرارات في الغالب، لأنه في الغالب كل المسائل
+
+334
+00:32:36,070 --> 00:32:41,970
+الاجتهادية محل خلاف، والمسألة التي يصير فيها
+
+335
+00:32:41,970 --> 00:32:45,710
+اتفاق من المسائل الاجتهادية لم تعد مسألة اجتهادية
+
+336
+00:32:45,710 --> 00:32:50,990
+وإنما إيه؟ صارت أجمع، زي النص، يعني قد تكون أصل
+
+337
+00:32:50,990 --> 00:32:54,630
+المسألة اجتهادية، ويتم الاتفاق عليها، ولكن لا تسمى
+
+338
+00:32:54,630 --> 00:32:58,670
+مسألة اجتهادية. كونها مسألة اجتهادية إذا هي محل
+
+339
+00:32:58,670 --> 00:33:06,350
+خلاف وتعدد آراء بين العلماء. والسبب الثاني نعم
+
+340
+00:33:06,350 --> 00:33:09,750
+اختلاف القوانين في تسويق المجتمع بالتأمين، فبالتالي
+
+341
+00:33:09,750 --> 00:33:15,660
+أدى إلى اختلاف الآراء. الاختلاف في توصيف وتكييف عقد
+
+342
+00:33:15,660 --> 00:33:20,800
+التأمين. كيف يعني توصيف؟ يعني بالفعل يعني كلهم
+
+343
+00:33:20,800 --> 00:33:28,240
+ينظرون إليه نظرة معينة قد تختلف. يُكيّفونه ويُكيّفونه، يعني
+
+344
+00:33:28,240 --> 00:33:34,120
+لا شك يا إخوة، خلي بالكوا، أن عقد التأمين فيه من
+
+345
+00:33:34,120 --> 00:33:40,640
+سمات عقد التأمين التعاوني، فيه
+
+346
+00:33:41,760 --> 00:33:46,300
+باعتباره يحقق مصالح، ينقذ من الكوارث، يعني إلى غير
+
+347
+00:33:46,300 --> 00:33:54,480
+ذلك، وفيه من سمات العقود المحرمة، الربا، المقامرة،
+
+348
+00:33:54,480 --> 00:34:03,240
+الميسر، ما ش عارف إيش فيه، فمن غلب صفات كونه عقد
+
+349
+00:34:03,240 --> 00:34:10,140
+تعاوني وتمّ ووجد مخرجا للأشياء، هدّى كيّ، الأشياء
+
+350
+00:34:10,140 --> 00:34:16,040
+الصفاتي، للسمات، وجد لها تخريجا، قال بجوازه، ومن غلب
+
+351
+00:34:17,200 --> 00:34:21,580
+الخصائص الأخرى أو السمات كونها من المقامرة والربا
+
+352
+00:34:21,580 --> 00:34:26,220
+ويعتبروا أن سمات التعاون مش مبينة، يعني ولا بارزة
+
+353
+00:34:26,220 --> 00:34:31,680
+ولا تمثل 10% منه، غلبها ما هو الحكم حسب الترجيح، مش
+
+354
+00:34:31,680 --> 00:34:34,900
+بالضرورة يا إخوة أن الحكم على الشيء بالحرمة يعني
+
+355
+00:34:34,900 --> 00:34:39,840
+أنه كله فساد، ولا الحكم على الشيء بالإباحة يعني إنه
+
+356
+00:34:39,840 --> 00:34:45,720
+كله مصلحة، لا، إذا غلبت المصلحة، تحكم الشريعة
+
+357
+00:34:45,720 --> 00:34:50,540
+بالحل، وإذا غلبت المفسدة، تحكم الشريعة بالحرمة،
+
+358
+00:34:50,540 --> 00:34:58,120
+كالخم ر مثلا. أحسن، الذي ربنا قال فيهما من كبير
+
+359
+00:34:58,120 --> 00:35:04,280
+ومنافع، يعني لم ينف ربنا عن الخمر منافع. المنافع
+
+360
+00:35:04,280 --> 00:35:09,400
+وإن قل، على رأي بعض المفسرين، أنه لما حرمت، يعني سلبت
+
+361
+00:35:09,400 --> 00:35:13,660
+منافعها، لكن بغلبه المفسدة، لكن أنت لو شفت إيه، أقول
+
+362
+00:35:13,660 --> 00:35:19,780
+لكم الذي يسرق، هو الذي يسرق في جريمة أكبر من هيك
+
+363
+00:35:19,780 --> 00:35:24,160
+جريمة كبرى، لكن هو في الآخر يحقق منافع
+
+364
+00:35:27,090 --> 00:35:32,070
+يعني بيجيب.. بيطعم ولاده وبيأكلهم، وبيجيب لهم
+
+365
+00:35:32,070 --> 00:35:36,490
+يلبسوا. هذا في حد ذاته منفعة مطلوبة، لكن الطريقة
+
+366
+00:35:36,490 --> 00:35:43,510
+غلط، يعني فيه منافع، مش مافيش، لكن لما كانت
+
+367
+00:35:43,510 --> 00:35:47,210
+المفاسد أكبر بكثير، بنقول له إن شاء الله ما لبست ولا
+
+368
+00:35:47,210 --> 00:35:53,960
+أكلت، لأن أنت ولا ولادك، لأن السرقة ضرر كبير، تخويف
+
+369
+00:35:53,960 --> 00:35:58,580
+للناس، ضرر بالمجتمع إلى غير ذلك. إذا أيها الأخوة
+
+370
+00:35:58,580 --> 00:36:05,920
+الكرام، يعني حسب التوصيف وترجيح المصلحة على المفسدة
+
+371
+00:36:05,920 --> 00:36:14,490
+ده الآن، خلينا نيجي نشوف أدلة كل فريق. أولا، رأي
+
+372
+00:36:14,490 --> 00:36:22,190
+المانعين، الذين هم المانعون من جواز التأمين
+
+373
+00:36:22,190 --> 00:36:25,870
+أو يعني القائلين بالحرمة، لما بنقول المانعون يعني
+
+374
+00:36:25,870 --> 00:36:31,550
+القائلين بالحرمة. هنطول إن شاء الله، هنستعرض
+
+375
+00:36:31,550 --> 00:36:35,130
+استعراضًا، ونفصل في المرة القادمة. الحقيقة يا إخوة
+
+376
+00:36:35,130 --> 00:36:41,300
+المانعون أو المحرمون استدلوا بمجموعة من الأدلة، و
+
+377
+00:36:41,300 --> 00:36:47,340
+هتلاحظوا يا إخوة، شغل الآن، أن سواء المانعون أو
+
+378
+00:36:47,340 --> 00:36:58,620
+المجيزون، كل منهم حشد، هذه مجموعة من الأدلة ليؤكد
+
+379
+00:36:58,620 --> 00:37:06,010
+على صحة رأيهم. وهذا فيه إشارة، إشارة إنه المسألة
+
+380
+00:37:06,010 --> 00:37:11,750
+بالفعل يعني ليس مقطوع بها لا عند المجيزين ولا عند
+
+381
+00:37:11,750 --> 00:37:16,490
+المانعين، لأن مجموعة الأدلة كأنه بيقول، إذا الدليل
+
+382
+00:37:16,490 --> 00:37:20,270
+هذا ما عجبكش، هي فيه دليل ثاني. إذا الدليل هذا نسبة
+
+383
+00:37:20,270 --> 00:37:25,410
+الإقناع فيه ٥٠٪؜ يعني، هو يحشد الأدلة لكي
+
+384
+00:37:25,410 --> 00:37:34,660
+تتعاضد في مجموعها للإقناع أو
+
+385
+00:37:34,660 --> 00:37:39,880
+للتأكيد على الحكم. فبينما نجد مثلا القائلين بالمنع
+
+386
+00:37:39,880 --> 00:37:44,440
+حشدوا مجموعة خمس ست سبع أدلة، كذلك نجد الآخرين
+
+387
+00:37:44,440 --> 00:37:51,960
+جمعوا أو استندوا إلى مجموعة من الأدلة. وكل من
+
+388
+00:37:51,960 --> 00:37:57,120
+الفريقين ناقش الآخر، يعني الأمر كان محتدم، ناقش الآخر
+
+389
+00:3
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/6crblKs9tnk_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/6crblKs9tnk_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..009379155f74303cbd5f06f6041b90913758be5e
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/6crblKs9tnk_raw.json
@@ -0,0 +1 @@
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{"start": 2202.62, "end": 2203.46, "word": " شغل", "probability": 0.9495442708333334}, {"start": 2203.46, "end": 2203.8, "word": " الآن", "probability": 0.6461181640625}, {"start": 2203.8, "end": 2204.88, "word": " ان", "probability": 0.80322265625}, {"start": 2204.88, "end": 2205.68, "word": " سواء", "probability": 0.8533528645833334}, {"start": 2205.68, "end": 2206.44, "word": " المانعين", "probability": 0.9930419921875}, {"start": 2206.44, "end": 2207.34, "word": " او", "probability": 0.93896484375}, {"start": 2207.34, "end": 2208.22, "word": " المجيزين", "probability": 0.98056640625}, {"start": 2208.22, "end": 2209.42, "word": " كل", "probability": 0.865234375}, {"start": 2209.42, "end": 2209.9, "word": " منهم", "probability": 0.957763671875}, {"start": 2209.9, "end": 2210.42, "word": " حاشة", "probability": 0.9446614583333334}, {"start": 2210.42, "end": 2210.72, "word": " ده", "probability": 0.8369140625}, {"start": 2210.72, "end": 2212.26, "word": " مجموعة", "probability": 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\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/6crblKs9tnk_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/6crblKs9tnk_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..20438f47b9696f603ab64b1a52cac88374449cb6
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/6crblKs9tnk_raw.srt
@@ -0,0 +1,1616 @@
+1
+00:00:20,690 --> 00:00:26,290
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:26,290 --> 00:00:31,890
+على رسول الله وعلى
+
+3
+00:00:31,890 --> 00:00:37,550
+آله وصحبه ومن اهتدأ بهديه واستنى بصناته إلى يوم
+
+4
+00:00:37,550 --> 00:00:45,330
+الدين وبعد أهلا وسهلا بكم في صبيحة هذا اليوم
+
+5
+00:00:45,330 --> 00:00:52,200
+الأغرق الأول من ذي الحجةأول الليالي أو الأيام
+
+6
+00:00:52,200 --> 00:00:59,240
+العشر التي بيّن
+
+7
+00:00:59,240 --> 00:01:07,320
+رسول الله صلى الله عليه وسلم لنا فضلها وعظيمة أجر
+
+8
+00:01:07,320 --> 00:01:14,500
+العمل الصالح فيها عندما قال ما من أيام العمل
+
+9
+00:01:14,500 --> 00:01:22,040
+الصالح فيها أحب إلى الله من هذه الأيامحتى قام أحد
+
+10
+00:01:22,040 --> 00:01:26,480
+الصحابة وقال ولا الجهاد في سبيل الله قال صلى الله
+
+11
+00:01:26,480 --> 00:01:32,320
+عليه وسلم ولا الجهاد في سبيل الله إلا رجل خرج
+
+12
+00:01:32,320 --> 00:01:37,340
+بنفسه وماله ولم يعد من ذلك بشيء أو كما قال صلى
+
+13
+00:01:37,340 --> 00:01:42,120
+الله عليه وسلم أنا من هذا المنطلق أيها الأخوة
+
+14
+00:01:42,120 --> 00:01:49,670
+الكرام ونحن في بداية هذه الأيامأهيب بكم وبنفسي
+
+15
+00:01:49,670 --> 00:01:55,570
+أولا أن نستثمر هذه الأيام المباركة في العمل الصالح
+
+16
+00:01:55,570 --> 00:02:01,350
+وفي الطاعات و التقرب إلى الله سبحانه وتعالى بكل
+
+17
+00:02:01,350 --> 00:02:09,100
+أشكال وأنواع الطاعاتيعني يكفي هذه الأيام شرفا أن
+
+18
+00:02:09,100 --> 00:02:13,840
+الله عز وجل أقسم بها في كتابه العزيز عندما قال
+
+19
+00:02:13,840 --> 00:02:18,860
+والفجر وليالي عشر وعندك أكثر العلماء والمفسرين
+
+20
+00:02:18,860 --> 00:02:25,560
+أنها هذه الأيام ليالي هذه الأيام العشر يكفيها شرفا
+
+21
+00:02:25,560 --> 00:02:33,350
+أن فيها يوم عرفةهذا اليوم الذي يعدل صيامه او يكفل
+
+22
+00:02:33,350 --> 00:02:41,790
+صيامه سنة سابقة و سنة لاحقة فعليكم
+
+23
+00:02:41,790 --> 00:02:49,250
+و اوصيكم بهذه الايام فانه في بعض الروايات ان العمل
+
+24
+00:02:49,250 --> 00:02:56,180
+فيها و الأجر فيها يتضاعف الى سبعمائة ضعفأسأل الله
+
+25
+00:02:56,180 --> 00:03:01,120
+سبحانه وتعالى أن يوفقنا وإياكم للعمل الصالح في هذه
+
+26
+00:03:01,120 --> 00:03:06,440
+الأيام المباركة طبعا على رأس الأعمال الصالحة
+
+27
+00:03:06,440 --> 00:03:10,840
+الصيام أيها الإخوة الكرام في هذه الأيام أو ما تيسر
+
+28
+00:03:10,840 --> 00:03:16,480
+منها إضافة إلى الصداقات والذكر والطاعات وغير ذلك
+
+29
+00:03:16,480 --> 00:03:19,500
+لنعود بعد ذلك إلى التأمين
+
+30
+00:03:23,330 --> 00:03:31,010
+والذي بدأنا او نكاد نقترب من محطاته النهائية بعد
+
+31
+00:03:31,010 --> 00:03:39,870
+ان انتهينا من الحديث عن تعريفه وانواعه ونشأته و ..
+
+32
+00:03:39,870 --> 00:03:42,890
+انا
+
+33
+00:03:42,890 --> 00:03:48,930
+.. و .. اتمنى التجارة على وجه الخصوص تعريفا وعناصر
+
+34
+00:03:48,930 --> 00:03:55,420
+وخصائصالى .. و أنواع أيضا .. أنواع التأمين التجاري
+
+35
+00:03:55,420 --> 00:03:59,820
+افضل ان اتحدثنا فيها اخر شيء .. لا أنواع التأمين
+
+36
+00:03:59,820 --> 00:04:04,780
+التجاري اه
+
+37
+00:04:04,780 --> 00:04:10,300
+و فصلنا .. و فصلنا في الأضرار و التأمين على
+
+38
+00:04:10,300 --> 00:04:13,920
+الأشخاص و التأمين على ال .. اه خلصنا يعنى تقريبا
+
+39
+00:04:13,920 --> 00:04:26,760
+اذا بعد يا اخوان كل هذهالاطلالة حول التأمين يقفوا
+
+40
+00:04:26,760 --> 00:04:38,840
+بين مركبنا عند شاطئ حكم من حكم
+
+41
+00:04:38,840 --> 00:04:46,580
+التأمين عند علماء المسلمين بين المانعين والمجيزين
+
+42
+00:04:48,980 --> 00:04:54,920
+احنا يمكن في الآخر .. في آخر محاضرة كنا قد تحدثنا
+
+43
+00:04:54,920 --> 00:05:01,800
+بشيء من التفصيل حول الخصائص التي يتميز بها عقد
+
+44
+00:05:01,800 --> 00:05:07,660
+التأمين التجاري وقلنا إن كنتم تذكرون أن هذه
+
+45
+00:05:07,660 --> 00:05:16,460
+الخصائص هي التي ستعطينا تصورا حول الحكم
+
+46
+00:05:18,260 --> 00:05:26,540
+هي التي أعطت قبل ذلك التصور للعلماء قبل أن يصدروا
+
+47
+00:05:26,540 --> 00:05:33,820
+حكمهم فلا يُعقل أن يصدر العلماء حكما على قضية أو
+
+48
+00:05:33,820 --> 00:05:39,640
+على معاملة قبل أن يتعرفوا على حقيقتها ويتصوروا
+
+49
+00:05:39,640 --> 00:05:47,530
+أبعادها وخصائصهافكان و من أجل ذلك نحن تحدثنا عن
+
+50
+00:05:47,530 --> 00:05:52,370
+هذه الخصائص لأ من أجل أن نصدر حكمة ولكن من أجل أن
+
+51
+00:05:52,370 --> 00:05:57,130
+نتفهم كيف تم إصدار الحكم احنا مش احنا اللي هنصدر
+
+52
+00:05:57,130 --> 00:06:02,940
+الحكم أصدروا و خلصوا و انتهىلكن احنا تعرفنا على
+
+53
+00:06:02,940 --> 00:06:08,100
+الخصائص وعلى العناصر وعلى التعريف عشان نتصور عن
+
+54
+00:06:08,100 --> 00:06:15,100
+التأمين ومن ثم نتفهم يعني لماذا قال من قال بالمنأ
+
+55
+00:06:15,100 --> 00:06:21,520
+بناء على أي خصائص ولماذا قال من قال بالجواز ولماذا
+
+56
+00:06:21,520 --> 00:06:26,470
+قال من قالبالتفصيل هذا هو المقصود حقيقة ولينا تفهم
+
+57
+00:06:26,470 --> 00:06:31,650
+يعني هذه المعاملة وهذا يا أخو حقيقة فيه فائد عظيمة
+
+58
+00:06:31,650 --> 00:06:37,250
+أقول وهي متمثلة في عدم التعصب لرأي إذا أعرفنا يعني
+
+59
+00:06:37,250 --> 00:06:42,940
+نحن نرى كثيرا من الناس أو كثيرا من الدارسيناو
+
+60
+00:06:42,940 --> 00:06:49,100
+المتناقشين يعني قيل له او عرف رأيا او نقل رأيا او
+
+61
+00:06:49,100 --> 00:06:52,960
+قرأ رأيا استوى على رأي هنا او هناك من هذا العالم
+
+62
+00:06:52,960 --> 00:06:59,420
+او داك عن حرمة التامين مثلا فتمسك به واخد يعني يرى
+
+63
+00:06:59,420 --> 00:07:04,360
+في غيره الحرمة
+
+64
+00:07:04,360 --> 00:07:10,920
+دون مزيد من النظر دون مزيد من العلم دون مزيد من
+
+65
+00:07:10,920 --> 00:07:17,750
+البحثلكن أنت عندما تعرف أن المسألة فيها نظر،
+
+66
+00:07:17,750 --> 00:07:23,250
+المسألة فيها خلاف، يعني تتحرر من التعصب على الأقل،
+
+67
+00:07:23,250 --> 00:07:31,630
+حتى وإن ملت وترجح لديك رأي من الأراء، يعني ضل واقع
+
+68
+00:07:31,630 --> 00:07:38,280
+في نفسكأن هناك رأي آخر وبالتالي لا تتعصب كثيرا ولا
+
+69
+00:07:38,280 --> 00:07:41,620
+تنكر
+
+70
+00:07:41,620 --> 00:07:47,380
+على من قال بغير ذلك نحن ننكر على الأراء أو على
+
+71
+00:07:47,380 --> 00:07:52,300
+الأقوال التي لا دليل عليها نحن ننكر على من أخذ
+
+72
+00:07:52,300 --> 00:08:01,190
+بمسألة وثمة الإجماع على خلافهالكن عندما يكون هناك
+
+73
+00:08:01,190 --> 00:08:08,330
+اختلاف الاختلاف رحمة والاختلاف توسعة وبعد عن
+
+74
+00:08:08,330 --> 00:08:15,890
+التعصب على كل الأحوال إذا لنعود إلى تعرف على أراء
+
+75
+00:08:15,890 --> 00:08:21,130
+العلماء احنا واحنا نتحدث يا أخوة عن نشأة التأمين
+
+76
+00:08:21,130 --> 00:08:27,380
+في بداية حديثنا قلنا أن التأمينالتجاري على وجه
+
+77
+00:08:27,380 --> 00:08:32,920
+الخصوص لم يصل إلى ولم يعرفه لم تعرفه المجتمعات
+
+78
+00:08:32,920 --> 00:08:38,120
+الإسلامية إلا حديثا نسبيا في أواخر القرن أو في نصف
+
+79
+00:08:38,120 --> 00:08:42,380
+القرن التاسع عشر يعني أقل من مئة سنة ربما أو نحو
+
+80
+00:08:42,380 --> 00:08:42,820
+ذلك
+
+81
+00:08:47,520 --> 00:08:52,720
+ولم يكن من قبل معروفا وبالتالي لم يتحدث العلماء
+
+82
+00:08:52,720 --> 00:08:58,080
+القدامى فيه لأنه لم يكن موجودا ولم تكن الحاجة اليه
+
+83
+00:08:58,080 --> 00:09:02,360
+أيضا ماسة لكن لما وجد مباشرة
+
+84
+00:09:04,150 --> 00:09:12,850
+هبّى علماءنا المؤاصرين لوجود أو لوصول التأمين إلى
+
+85
+00:09:12,850 --> 00:09:20,750
+بلادنا لبيان الحكم مباشرة وقلنا يومها أن أول من
+
+86
+00:09:20,750 --> 00:09:28,530
+تصدر بيان الحكم على التأمين من العلماء هو محمد بن
+
+87
+00:09:28,530 --> 00:09:35,110
+عبدين العلامة الحنفي المذهبلأن هما يعني كان في عهد
+
+88
+00:09:35,110 --> 00:09:39,490
+الأتراك والأتراك كانوا يعني كان مذهبهم حنفيا حتى
+
+89
+00:09:39,490 --> 00:09:46,330
+أن المجلة العدلية التي كانوا يعني يشرعنون ويحكمون
+
+90
+00:09:46,330 --> 00:09:51,270
+من خلال قوانينها مردوا إلى المذهب الحنفي فهو كان
+
+91
+00:09:51,270 --> 00:10:00,850
+يعني هو من العلماء المميزين والمشهورين فتصدر إلى
+
+92
+00:10:00,850 --> 00:10:08,960
+البيانةأنا لا أريد هنا أن أقول
+
+93
+00:10:08,960 --> 00:10:15,400
+ما قاله بالمعنى ولكن أريد أن أتلو كلامه بمصر
+
+94
+00:10:15,400 --> 00:10:23,640
+لأهميته هذا كلام ابن عبدين يعتبر أولحكم صدر في
+
+95
+00:10:23,640 --> 00:10:29,260
+التأمين اول فتوة صدرت في التأمين وانظروا وانا عاوز
+
+96
+00:10:29,260 --> 00:10:36,520
+اجف بعض الوقفات لان سنستفيد منها فيما بعد ماذا قال
+
+97
+00:10:36,520 --> 00:10:42,100
+محمد ابن عبدين ليسمعنا احدكم ماذا قال بصوت مرتفع
+
+98
+00:10:42,100 --> 00:10:42,740
+تفضل
+
+99
+00:10:45,990 --> 00:10:50,610
+قررناه من عدم جواز أخذ مال الكافر الحرفي بعقد فاسر
+
+100
+00:10:50,610 --> 00:10:56,350
+وجوازي في دار الحرب برضاه ولو بربا يظهر جواب ما
+
+101
+00:10:56,350 --> 00:11:00,570
+كثر السؤال عنه في زماننا الان يعني بدأ يحكي يظهر
+
+102
+00:11:00,570 --> 00:11:05,990
+جواب ما كثر السؤال عنه في زماننا وهي مسألة التأمين
+
+103
+00:11:05,990 --> 00:11:13,950
+لما بدأ يدخل التأمين بدأ التساؤل عن حكمه فيتصدى
+
+104
+00:11:13,950 --> 00:11:15,830
+للبيان ماذا يقول؟
+
+105
+00:11:18,930 --> 00:11:24,370
+أول ملاحظة، قبل ما يبدأ ببيان الحكم، بدأ بإيش؟
+
+106
+00:11:24,370 --> 00:11:31,870
+بتوصيف، أولا بتوصيف المعاملة، أه، توصيفها، وهذا من
+
+107
+00:11:31,870 --> 00:11:37,530
+إبداء العلماء، ما جالش خلاص هي حرام ولا حلال، لأ،
+
+108
+00:11:37,530 --> 00:11:42,770
+بدأ بتوصيفها، أنه جرة العادة، شوف كيف التفصيل،
+
+109
+00:11:42,770 --> 00:11:45,370
+توصيف مفصل، نعم
+
+110
+00:11:48,970 --> 00:11:53,850
+يدفعون له قجرة ويدفعون أيضا مالا معلوما لرفل حربي
+
+111
+00:11:53,850 --> 00:11:58,590
+مقيم في البلد ان تجارة إذا استجاروا مركبا من حربي
+
+112
+00:11:58,590 --> 00:12:03,590
+و لاحظوا هنا في توصيف للواقع كمان كانت المعاملة
+
+113
+00:12:03,590 --> 00:12:10,450
+لأن شركات التأمين في وقتها كان القائمون عليها من
+
+114
+00:12:10,450 --> 00:12:15,150
+الحربيين من الأوروبيين اللي ماكنتش لحالة سلم بينهم
+
+115
+00:12:15,150 --> 00:12:22,480
+وبينهملكن لما كانت الدولة يعني تعاني ما تعاني سمحت
+
+116
+00:12:22,480 --> 00:12:32,600
+لهؤلاء بعقد أمام يعني يا أخوة بالمناسبة هنا وإن
+
+117
+00:12:32,600 --> 00:12:36,480
+كانت الدول الدولة الأخرى الدولة الكافرة العلاقة
+
+118
+00:12:36,480 --> 00:12:42,620
+بينها تعتبر حربية لكن لا يمتنع بين أن تنقطع
+
+119
+00:12:42,620 --> 00:12:48,350
+العلاقات بيننا وبينهم بالمرةممكن تصير نوع من
+
+120
+00:12:48,350 --> 00:12:53,510
+المصالحات والهدى والمفاوضات وإن لم يكن حالة حرب
+
+121
+00:12:53,510 --> 00:13:00,250
+فيمكن أن يكون تواصل بيننا وبينهم بشكل أو باخر ومن
+
+122
+00:13:00,250 --> 00:13:05,210
+ذلك عقد الأمان الذي يتم منحه من قبل الدول المسلمة
+
+123
+00:13:05,210 --> 00:13:14,270
+للتجار للسائحين للرسل الذين يحملون رسالة الحكام
+
+124
+00:13:14,270 --> 00:13:19,830
+إليهمأو إلى غير ذلك، من ضمنها فهم كانوا بيعطوا
+
+125
+00:13:19,830 --> 00:13:23,850
+يعني تراخيص إن صح التعبير أو قود أمان لشركات
+
+126
+00:13:23,850 --> 00:13:29,390
+التعامل الأوروبية أن تشتغل عندهم وتعمل مكاتب
+
+127
+00:13:29,390 --> 00:13:31,590
+تتعامل مع التجارة
+
+128
+00:13:34,280 --> 00:13:42,040
+ولم يكن المسلمون هم الذين يعني بدأوا التعامل بهذه،
+
+129
+00:13:42,040 --> 00:13:46,340
+يعني بداية جاتنا من الغرب هذه المعاملة، وهو أنه
+
+130
+00:13:46,340 --> 00:13:49,880
+جرت إلى عادة أن التجارة، تجار مسلمين كانوا
+
+131
+00:13:49,880 --> 00:13:54,980
+يستجرونه مركبا من حربي يدفعون له أجرته ويدفعون
+
+132
+00:13:54,980 --> 00:13:57,800
+أيضا الأجرة ماله ومالها، مافيش فيها مشكلة الأجرة
+
+133
+00:13:59,010 --> 00:14:04,230
+الإيجار في حد هذه لا إشكال شرائفه لكن مال أجرأ أيش
+
+134
+00:14:04,230 --> 00:14:10,150
+كمان ويدفعون أيضا مالا معلوما أيوة هنا يبدأ الحديث
+
+135
+00:14:10,150 --> 00:14:13,750
+عن التامين ويدفعون أيضا مالا معلوما لرجل الحربي
+
+136
+00:14:13,750 --> 00:14:19,670
+مقيمه في بلدي ويسمى ذلك المال سوكرة المال السوكرة
+
+137
+00:14:19,670 --> 00:14:25,750
+هذه تسمية للمال الذي يدفعه التجار إلى
+
+138
+00:14:28,180 --> 00:14:33,000
+أصحاب المكاتب التأمين الحربيين أصحاب مكاتب التأمين
+
+139
+00:14:33,000 --> 00:14:37,120
+أو شركات التأمين وكان يسمى Socara اللي هو قصد ..
+
+140
+00:14:37,120 --> 00:14:43,020
+قصد التأمين اللي اليوم بنسميه قصد التأمين كان يسمى
+
+141
+00:14:43,020 --> 00:14:46,360
+يومها Socara وكأن الكلمة في الأصل في كلمة يعني
+
+142
+00:14:46,360 --> 00:14:51,540
+فرنسية أو يعني لاتينية أو غير ذلك على أنه مقابل
+
+143
+00:14:51,540 --> 00:14:53,080
+ماذا يدفعون ال Socara هذه؟
+
+144
+00:14:56,600 --> 00:15:00,580
+بدات صورة التأمين تطبع .. حتى كلمة التأمين ما ..
+
+145
+00:15:00,580 --> 00:15:05,000
+ماكانش معروفة ماكانش .. بسموهوش تأمين يعني كأنه
+
+146
+00:15:05,000 --> 00:15:09,880
+يريدوا أن يقول لغيره لاائق لأن التأمين في معنى
+
+147
+00:15:09,880 --> 00:15:19,380
+يعني معنى إيجابي في معنى الحل في معنى التعاون لكنه
+
+148
+00:15:19,380 --> 00:15:22,940
+ولا جاب صورة التأمين جالكسوك قرأ على أنه
+
+149
+00:15:25,610 --> 00:15:29,190
+من المال اللي في المركب بحرق أو غرق؟ في المركب مال
+
+150
+00:15:29,190 --> 00:15:33,430
+ديني، مال التجار المسلمين، اللي دفعوا سوكرة أو
+
+151
+00:15:33,430 --> 00:15:40,210
+ضريبة أو قسطانين أو إلى غير ذلك، بحرق أو غرق أو
+
+152
+00:15:40,210 --> 00:15:48,850
+نهب أو غير ذلكفذلك الرجل ضامن له بمقابلة ما يأخذه
+
+153
+00:15:48,850 --> 00:15:55,110
+منهم، فذلك الرجل اللي هو الأجنبي هذا الحربي ضامن،
+
+154
+00:15:55,110 --> 00:16:00,170
+مؤمن، يعني المؤمنواللي هو وكيل عنه مستأمن في دارنا
+
+155
+00:16:00,170 --> 00:16:04,010
+.. طبعا هو المعلم الكبير، قاعد يا في باريسيا في
+
+156
+00:16:04,010 --> 00:16:08,690
+لندن، يا في هانيا في هانيا، لكن بقعد مندوب عنه في
+
+157
+00:16:08,690 --> 00:16:13,210
+بلاد المسلمين، في المكتب، موظف، مندوب، وكيل، هو
+
+158
+00:16:13,210 --> 00:16:18,210
+اللي بيقفط وبيوصل، هو اللي بتأمم العقود، نعم بإذن
+
+159
+00:16:18,210 --> 00:16:21,990
+السلطان يقضي المال السُكرة، وإذا هلك من مالهم في
+
+160
+00:16:21,990 --> 00:16:28,220
+البحر شيء، يؤدي ذلك المستأمن للتجار بدله تماميعني
+
+161
+00:16:28,220 --> 00:16:33,020
+طب نفس أقل التأمين و لا لا لحظوا نفس الصورة لكن
+
+162
+00:16:33,020 --> 00:16:39,340
+الصورة كانت بين التجار المسلمين و حربيين و أضيف
+
+163
+00:16:39,340 --> 00:16:44,960
+إلى ذلك أنه إلى ذلك الوقت يعني كانت صورة التأمين
+
+164
+00:16:45,530 --> 00:16:52,370
+يعني أولا جديدة نادرة فيها القصب أو السكرة كبير
+
+165
+00:16:52,370 --> 00:16:59,850
+وبالتالي فيه استغلال وظلم شديد لم تكن تتدخل
+
+166
+00:16:59,850 --> 00:17:04,890
+الحكومات بعد في شرعانة التأمين لم تجبر الحكومات
+
+167
+00:17:04,890 --> 00:17:11,680
+بعدأي شخص على التأمين لم تربط مصالح الناس بالتأمين
+
+168
+00:17:11,680 --> 00:17:15,940
+كل هذه المعطيات أرجو أن تلاحظ في ظل الحكم الذي
+
+169
+00:17:15,940 --> 00:17:23,800
+سيصدره ابن عبدين ثم قال صحيح؟ الآن هذا كله توصيف
+
+170
+00:17:23,800 --> 00:17:29,800
+كان توصيف للصورة للقضية التي يريد بيان حكمها ثم
+
+171
+00:17:29,800 --> 00:17:39,280
+قال؟ اه الآن لاحظوا يا اخوةكلام علماءنا و .. و
+
+172
+00:17:39,280 --> 00:17:46,140
+أمانتهم وورعهم جال إيش؟ والذي .. أيوة .. يظهر ليه
+
+173
+00:17:46,140 --> 00:17:50,900
+.. يظهر ليه .. كلمة يظهر يا إخوة في اللغة وعند
+
+174
+00:17:50,900 --> 00:17:59,420
+علماء الشريعة على وجه الخصوص تعني أفضلوليس القطع،
+
+175
+00:17:59,420 --> 00:18:04,680
+قالك والذي يظهر لي رأي، رأي وفيه نوع من التواضع
+
+176
+00:18:04,680 --> 00:18:11,520
+وإشارة إلى إنه يجتهد اجتهادا ولا يقطع بالحكم قطعا
+
+177
+00:18:12,380 --> 00:18:16,980
+والذي يظهر لي أنا بناء على التوصيف اللي وصلني و
+
+178
+00:18:16,980 --> 00:18:24,280
+اللي موجود أنا أرى يظهر لي لم يقول أجزم أو أقطع و
+
+179
+00:18:24,280 --> 00:18:30,200
+إنما قال و الذي يظهر لي و كأني به فتح الباب لغيره
+
+180
+00:18:30,200 --> 00:18:36,540
+لأن يجتهد و يخالف رأيه أو يوافقهوالذي يظهر ليه
+
+181
+00:18:36,540 --> 00:18:40,820
+ولذلك في علم أصول الفقه يفرق بين مصطلحين الظاهر
+
+182
+00:18:40,820 --> 00:18:46,960
+والنص، النص مدلة دلالة قاطعة والظاهر مدلة دلالة
+
+183
+00:18:46,960 --> 00:18:51,740
+ظنية أو غير قطعية هنا برضه تعبير فقهي لمن جالك
+
+184
+00:18:51,740 --> 00:18:55,300
+والذي يظهر ليه أنه لا يحل للتاجر
+
+185
+00:18:58,550 --> 00:19:02,330
+الان التاجر بيسأل التاجر المسلم اللي دفع الأقصاد
+
+186
+00:19:02,330 --> 00:19:12,430
+السكرة الآن غرجت مركبته فهل يا حلو يعني لو أخد
+
+187
+00:19:12,430 --> 00:19:17,170
+التعويض و لاحظوا يا إخوة، و ده كدلالة ثالثة أو
+
+188
+00:19:17,170 --> 00:19:25,710
+رابعة أو أخرى لم يكن ليمنع ابن عبدين من الحكم بما
+
+189
+00:19:25,710 --> 00:19:33,700
+يراه أنه الحقكون الدافع كافر حربي أو مسلم أوى اللى
+
+190
+00:19:33,700 --> 00:19:39,840
+بده يدفع العظمين حربي الآن اللى بده يدفع السؤال عن
+
+191
+00:19:39,840 --> 00:19:44,380
+المبلغ التامين هذا اللى مقابل الغرق وبده ياخده
+
+192
+00:19:44,380 --> 00:19:50,160
+مسلم وبده يدفع واحد حربي كافر ومع ذلك ابن عبدين
+
+193
+00:19:50,160 --> 00:19:53,340
+بيقول ايش حرام
+
+194
+00:19:55,490 --> 00:19:59,950
+بقول لأ احنا هنا في تساؤولات كتير يا اخو، بتصير في
+
+195
+00:19:59,950 --> 00:20:03,510
+واقعنا اليوم، بقول لأ اليوم اللي بيخشوا على ال net
+
+196
+00:20:03,510 --> 00:20:09,090
+ال hackers هدولة و اللي بيسرجوا من حسابات الناس،
+
+197
+00:20:09,090 --> 00:20:14,330
+بقولك انا باخد من ايش؟ من أجانب، انا باخد من يهود،
+
+198
+00:20:14,330 --> 00:20:20,290
+انا باخد مش عارف ايش، من عفاريتلأ، يا إخوة، لأ
+
+199
+00:20:20,290 --> 00:20:26,230
+يجعوزوا، حتى لو مابشوهوش، ديننا، إسلامنا، قيمنا،
+
+200
+00:20:26,230 --> 00:20:32,010
+قيم الأمانة والصدق، بيبنتشر الإسلام بالصدق
+
+201
+00:20:32,010 --> 00:20:36,730
+والأمانة وحسن المعاملة، هذا من جهة ومن جهة من
+
+202
+00:20:36,730 --> 00:20:40,590
+الأخرى إن هذا بالفعل يشوش ويشوح صورة الإسلام
+
+203
+00:20:40,590 --> 00:20:47,020
+والمسلمين وسيقال انظروا ههم المسلمون يسرقونايا
+
+204
+00:20:47,020 --> 00:20:54,220
+أخوة هذا المال بالضبط يعني ليس بالضرورة أن يكون
+
+205
+00:20:54,220 --> 00:20:57,640
+المال لكي يكون ممنوع أن أخذه، أن يكون في درجة
+
+206
+00:20:57,640 --> 00:21:03,330
+مغلقةلو كان في حساب إلكتروني برضه و إيه كلمة السر؟
+
+207
+00:21:03,330 --> 00:21:09,670
+كلمة السر زي المفتاح كأنك أنت قصرت الدرج أو قصرت
+
+208
+00:21:09,670 --> 00:21:15,790
+الجفل و سرقت وبالتالي فانت سارق و ربما يعني تطبق
+
+209
+00:21:15,790 --> 00:21:22,620
+عليك عقوبة السرقولو عندما قال ربنا والسارق
+
+210
+00:21:22,620 --> 00:21:26,900
+والسارقة فاقطعوا أيديهما، لم يشترط أحد من العلماء
+
+211
+00:21:26,900 --> 00:21:32,520
+أن يكون المسروق منه مسلم ولا كافر السارقة في حد
+
+212
+00:21:32,520 --> 00:21:37,220
+ذاتها إذا تقفرت أركانها وشروطها، يعني لزمت العقوبة
+
+213
+00:21:37,220 --> 00:21:43,170
+وتحققت الجريمة، بغض النظر عن كونه مسلم ولا كافرو
+
+214
+00:21:43,170 --> 00:21:47,850
+بعدين انا انا اروح و لحظوا هنا يتجلى هذا جيدا اللي
+
+215
+00:21:47,850 --> 00:21:53,550
+بده يدفع يعني لو واحد قلمته على جده خليه يدفع اه
+
+216
+00:21:53,550 --> 00:21:59,490
+ده واحد كافر اه ده واحد كذا مش مهم ما له حلال لأ
+
+217
+00:21:59,490 --> 00:22:07,650
+يا عم الإسلام يعترف بكل الناس طب ما هم اهل الذمة
+
+218
+00:22:07,650 --> 00:22:13,840
+من مسيحيين و يهود عاشوا معانامئات السنوات هل
+
+219
+00:22:13,840 --> 00:22:19,280
+تصبحوا أموالهم مباحق لنا وحتى لو لم يكنوا يعيشون
+
+220
+00:22:19,280 --> 00:22:26,660
+معنا يعني بس في أثناء الحرب اللي هي الغنائم فقط
+
+221
+00:22:26,660 --> 00:22:30,580
+حتى بعد أن تضرع الحرب أو زارة خلاص كل إنسان يصبح
+
+222
+00:22:30,580 --> 00:22:35,400
+حتى من الناس الحربيين يصبحوا في أمن وأمان على
+
+223
+00:22:35,400 --> 00:22:42,720
+ممتلكاته وعلى أمواله انتهى الأمرهذا لم يمنع ابن
+
+224
+00:22:42,720 --> 00:22:51,460
+عبدين أن يقول .. فضل .. لا يحل التاجر المسلم اللي
+
+225
+00:22:51,460 --> 00:22:54,240
+كان اللي يده كان اللي يدفع، ويمكن اللي يجي له
+
+226
+00:22:54,240 --> 00:23:00,540
+تخريجة من عبدين ولا يعجز، لكن انه إمامه الحق، ليس
+
+227
+00:23:00,540 --> 00:23:05,500
+غيرهأخذ بدل الهالك من المالي لأن هذا التزام ما لم
+
+228
+00:23:05,500 --> 00:23:13,440
+ينجح لا يحل أخذ البدل اللي هالك طبعا هو واحد يقوله
+
+229
+00:23:13,440 --> 00:23:20,260
+وطبعا هو ماتجابش سيرة إيش حكم السكرة أو القصة لأنه
+
+230
+00:23:20,260 --> 00:23:24,820
+يعني اللي أخذوا كافر ولا يهمه إن كان حلالا أو
+
+231
+00:23:24,820 --> 00:23:30,580
+حراما احنا الآن نتكلم عن المال اللي بدنا ناخد بدل
+
+232
+00:23:30,580 --> 00:23:37,200
+التعويضهل يجوزه لنا؟ قال لك لا يجوز هذا بدل الهالك
+
+233
+00:23:37,200 --> 00:23:41,780
+حتى و اللي أنا دفعه لأنه التزام لا يلزم و ذكر
+
+234
+00:23:41,780 --> 00:23:47,820
+العلة مختصرة طبعا مختصرة التزام لأننا ألزمناه
+
+235
+00:23:47,820 --> 00:23:55,510
+ألزمنا من؟الذمن هذا المندوب او صاحب المؤمن او صاحب
+
+236
+00:23:55,510 --> 00:24:01,210
+الشركة ما لا يلزمه ما لم تلزمه اياه الشريعة لأن
+
+237
+00:24:01,210 --> 00:24:06,130
+العقدة ابتدا باطل و لأنه كما سنرى بعد قليل لم
+
+238
+00:24:06,130 --> 00:24:13,210
+يتسبب هو لماذا سنلزمه كيف سنلزمه بأي وجه كأنه
+
+239
+00:24:13,210 --> 00:24:21,450
+نريده ان يقول بأي وجه نلزمه هل هو متسببفي تلف وضرر
+
+240
+00:24:21,450 --> 00:24:29,370
+وغرق وحرق البضاعة هل هو متسبب في قلبها إذا قلبتها
+
+241
+00:24:29,370 --> 00:24:35,390
+الرياح ولا القراصنة ولا غير أنمالي؟ وهل أخدي لهذه
+
+242
+00:24:35,390 --> 00:24:40,530
+الأقصاد يلزمني بدفع هذه المبالغ الطائلة أو غير
+
+243
+00:24:40,530 --> 00:24:46,590
+الطائلة؟لا يلزمني العقد أساسا باطل وفق هذه
+
+244
+00:24:46,590 --> 00:24:52,010
+المعايير ووفق هذه التوصيفات والنتيجة المترتبة عليه
+
+245
+00:24:52,010 --> 00:25:00,750
+كذلك لمن يبطل العقد كل الالتزامات تبطل هذه كانت يا
+
+246
+00:25:00,750 --> 00:25:05,730
+أخوة أول فتوة أول حكم يصدر في التأمين ولحظوا
+
+247
+00:25:05,730 --> 00:25:14,300
+الصورة الآنلكن يا اخوة احنا قلنا بغض النظر صدر
+
+248
+00:25:14,300 --> 00:25:21,990
+الحكم لكن احيانا عندما لا يكون بدائلعندما لا يكون
+
+249
+00:25:21,990 --> 00:25:28,150
+هناك بدائل، مافيش قيمة كبيرة بتكون للحكم، بمعنى
+
+250
+00:25:28,150 --> 00:25:32,530
+حرام، طب جيبلي البديل، مافيش بديل، كأنك يعني ..
+
+251
+00:25:32,530 --> 00:25:37,270
+يعني مقدرش أنا .. يعني أبعد الناس عن الحرام إذا
+
+252
+00:25:37,270 --> 00:25:43,410
+ماوجدتش .. ماوجدتش إلهم البديل من الحلالطب مافي ..
+
+253
+00:25:43,410 --> 00:25:48,150
+ضال البديل؟ مافيش بديل، الحكم بال .. بالحرمة، لكن
+
+254
+00:25:48,150 --> 00:25:53,310
+مافيش بدائل، فظل الناس و إيه؟ يتعاملون، بغض النظر
+
+255
+00:25:53,310 --> 00:25:57,370
+أحدالان، لا نبرر تعاملهم اسمه أجازة دكتور، في ..
+
+256
+00:25:57,370 --> 00:26:01,420
+في .. في ..شغل أجازه يعني هنا حسب ما بيقول إذا وقع
+
+257
+00:26:01,420 --> 00:26:04,900
+في ديار غير الإسلام فإنه يجلس المسلم أن يأخذ بدل
+
+258
+00:26:04,900 --> 00:26:11,360
+الهالك من الكاتب الحربي إذا رضى هذه صورة أخرى هو
+
+259
+00:26:11,360 --> 00:26:16,940
+أجازي يا إخوة صورة التعامل بالتأمين في غير ديار
+
+260
+00:26:16,940 --> 00:26:24,460
+المسلم في ديار الحرب لو كان المسلم عمل أدل عمليةأو
+
+261
+00:26:24,460 --> 00:26:31,520
+المعاملة والتعاقد في أوروبا فيجوزوا له وادع على
+
+262
+00:26:31,520 --> 00:26:35,100
+مذهب الحنفي فقط بالمناسبة على مذهبهم لأنهم
+
+263
+00:26:35,100 --> 00:26:39,600
+بيعتبروا أن الأحكام في ديار الحرب قد تختلف عنها في
+
+264
+00:26:39,600 --> 00:26:43,740
+ديار الإسلام في بعض الجوادب ومن هذه الأمور لكن أنا
+
+265
+00:26:43,740 --> 00:26:47,720
+مدمت أنا في بلاد المسلمين الأصل أنه أطبق أحكام
+
+266
+00:26:47,720 --> 00:26:51,940
+الإسلام وأحكام الشريعة ماحدش بالزمن أنا هناك مضطر
+
+267
+00:26:51,940 --> 00:26:56,960
+أو هناك قوانينهمتجبرهم على أن يدفع عليه، فهو أنا
+
+268
+00:26:56,960 --> 00:27:01,720
+أخدت القانون هو، لكن أنا في بلاد المسلمين تحت مضلة
+
+269
+00:27:01,720 --> 00:27:05,260
+شريعة الإسلام، شريعة الإسلام لا تجبره، فلا يحل ليه
+
+270
+00:27:05,260 --> 00:27:06,340
+الآن
+
+271
+00:27:09,360 --> 00:27:14,420
+يعني اخونا يعني يريد ان يقول انه الصورة بمعنى
+
+272
+00:27:14,420 --> 00:27:19,760
+اليوم صورة التأمين اليوم اختلفت في قد جوادر اختلفت
+
+273
+00:27:19,760 --> 00:27:24,500
+سواء من حيث قيمة القصد من حيث تتدخل الدولة من حيث
+
+274
+00:27:24,500 --> 00:27:30,240
+ان التأمين أصبح في بلاد المسلمين كله وليس بين يعني
+
+275
+00:27:30,240 --> 00:27:34,840
+مسلمين وغير مسلمين وإن كانت بالمناسبة هذه الها
+
+276
+00:27:34,840 --> 00:27:42,510
+معظم شركات التأمينإلها شركات أم أوروبيمعظم شركات
+
+277
+00:27:42,510 --> 00:27:47,330
+التأمين زي البنوك البنوك هذه اللي بنشوفها معظمها
+
+278
+00:27:47,330 --> 00:27:53,630
+بتلاقيها بنوك بتتواصل معها و بت .. بت .. بت .. بت
+
+279
+00:27:53,630 --> 00:27:54,870
+.. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت
+
+280
+00:27:54,870 --> 00:27:54,930
+.. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت
+
+281
+00:27:54,930 --> 00:27:55,250
+.. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت
+
+282
+00:27:55,250 --> 00:27:56,370
+.. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت
+
+283
+00:27:56,370 --> 00:27:59,170
+.. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت
+
+284
+00:27:59,170 --> 00:27:59,370
+.. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت
+
+285
+00:27:59,370 --> 00:27:59,450
+.. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت
+
+286
+00:27:59,450 --> 00:28:00,130
+.. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت .. ت
+
+287
+00:28:00,130 --> 00:28:10,700
+.. ت .. ت .. ت .. ت ..المستقلة سواء أو بعض البنوك
+
+288
+00:28:10,700 --> 00:28:17,200
+المستقلة على كل الأحوال هذه الصورة هذا هو الحكم
+
+289
+00:28:17,200 --> 00:28:21,540
+اللذي أصدره احنا الآن بهمنا يعني الصورة اللي ذكرها
+
+290
+00:28:21,540 --> 00:28:24,960
+أخونا اللي قالها بالحل هذه في غير بلاد المسلمين
+
+291
+00:28:24,960 --> 00:28:28,100
+عندما يكون المسلم تعامل بيها في غير بلاد المسلمين
+
+292
+00:28:28,100 --> 00:28:33,040
+لكن نحن الآن نتحدث عن التأمين اللذي يقع في بلاد
+
+293
+00:28:33,040 --> 00:28:38,210
+المسلمين ويتعامل به المسلمونويتعامل بيه المسلمون
+
+294
+00:28:38,210 --> 00:28:43,550
+أنفسهم والتعامل لم يقتصر هنا على مسلم وحربي بل
+
+295
+00:28:43,550 --> 00:28:50,730
+أصبح مسلم ومسلم كمان بعد
+
+296
+00:28:50,730 --> 00:28:55,570
+يا أخوة كما قلت رغم أن الفتوى كانت بالحرمة يعني
+
+297
+00:28:55,570 --> 00:29:00,470
+استجابة ربما من استجاب ولم يستجب من لم يستجب وظل
+
+298
+00:29:00,470 --> 00:29:02,390
+الأمر ينتشر لكن
+
+299
+00:29:04,740 --> 00:29:10,500
+بعد ان شعر الناس لان مافيش بديل كما قلت بنوع من
+
+300
+00:29:10,500 --> 00:29:15,100
+استقرار المعاملات بنوع من تحقيق بعض المصالح من هذا
+
+301
+00:29:15,100 --> 00:29:24,240
+التأمينيعني وبدأ وشعرت الدولة بأهميته وتلبيته
+
+302
+00:29:24,240 --> 00:29:29,780
+لحاجيات الناس بدأت تتدخل الدولة وتشرعن وتقنن وتخفف
+
+303
+00:29:29,780 --> 00:29:38,360
+القصد وتضع له الشروط المناسبة والمتوازنة وعادلة
+
+304
+00:29:38,360 --> 00:29:43,280
+وأصبحت تجبر الناس على الالتزام به في كثير من
+
+305
+00:29:43,280 --> 00:29:52,770
+المعاملاتو أصبح له انتشارا كبيرا لسائر المجالات،
+
+306
+00:29:52,770 --> 00:29:56,190
+عاد
+
+307
+00:29:56,190 --> 00:30:02,640
+التساؤل من جديدعاد التساؤل من جديد هل يا جماعة
+
+308
+00:30:02,640 --> 00:30:12,640
+اليوم التأمين بعد أن يعني تطور و أصبح على هذه
+
+309
+00:30:12,640 --> 00:30:17,020
+الصورة التي نراها اليوم بعد أن دخل كل بيت بعد أن
+
+310
+00:30:17,020 --> 00:30:22,060
+ارتبطت مصالح المجتمع به بعد أن أجبرت دولة الناس
+
+311
+00:30:22,060 --> 00:30:27,660
+على التعامل به في بعض المجالات بعد أن خفتخف القصد
+
+312
+00:30:27,660 --> 00:30:31,780
+بعد ان حقق مصالح بعد بعد بعد بعد ان تغيرت الصورة
+
+313
+00:30:31,780 --> 00:30:37,260
+ببعنى اللى هى ابن عبدين حرمها الصورة اختلفت فكأنه
+
+314
+00:30:37,260 --> 00:30:41,960
+قضية جديدة بالمرة لأنه احنا قلنا زمان الحكم يدور
+
+315
+00:30:41,960 --> 00:30:44,820
+مع الا الا الا اللى من أجلها كان التحريم ربما
+
+316
+00:30:44,820 --> 00:30:53,730
+اختلفت الصورة اختلفت شوية فعيدت طرحه من جديدعلى
+
+317
+00:30:53,730 --> 00:31:00,930
+العلماء عندها اختلفت او اختلف العلماء على ثلاثة
+
+318
+00:31:00,930 --> 00:31:08,470
+اراء فمن قائل بالمنع استمرارا ليه ما قاله وما حكم
+
+319
+00:31:08,470 --> 00:31:17,230
+به ابن عبدين ومنهم من غير رأيهم او مش رأيه يعني
+
+320
+00:31:17,230 --> 00:31:26,020
+خالف رأيهموقال لا، هذا ليس
+
+321
+00:31:26,020 --> 00:31:31,500
+التأمين الذي حرمهم بن عبدين، ولو كان هو هو حتى فإن
+
+322
+00:31:31,500 --> 00:31:35,560
+هذا اجتهاد من بن عبدين لا يعني أنه أن تحريمه
+
+323
+00:31:35,560 --> 00:31:42,850
+متحريما قاطعااحنا شايفين أنه يجوز و عندنا أدلتنا
+
+324
+00:31:42,850 --> 00:31:48,850
+منهم من نظر نظرة أكثر يعني تفصيلا و عمقا فقال
+
+325
+00:31:48,850 --> 00:31:53,570
+والله احنا يعني لسنا لا نقول بالمنع المطلق ولا
+
+326
+00:31:53,570 --> 00:31:58,090
+بالإباحة المطلقة ولكن نفصل فهناك صور من صور
+
+327
+00:31:58,090 --> 00:32:03,390
+التامين نقول بحرمتها و أخرى نقول بحلها و شرعتها
+
+328
+00:32:04,930 --> 00:32:10,370
+مردوا الاختلاف أيها الأخوة، منشأوا الاختلاف في ذلك
+
+329
+00:32:10,370 --> 00:32:15,070
+أمرين، منشأوا الاختلاف، لماذا وجد هذا الاختلاف؟
+
+330
+00:32:15,070 --> 00:32:20,790
+احنا قلنا نعم اولا
+
+331
+00:32:20,790 --> 00:32:25,710
+هو عقد جديد، يعني اجتهادي، فاكرين في الخصائص؟مش
+
+332
+00:32:25,710 --> 00:32:30,950
+قولنا عقد جديد، عقد جديد يعني اجتهادي يعني تتعدد
+
+333
+00:32:30,950 --> 00:32:36,070
+فيه القرار في الغالب لأنه في الغالب كل المسائل
+
+334
+00:32:36,070 --> 00:32:41,970
+الاجتهادية مع الخلاف، والمسألة اللي بيصير فيها
+
+335
+00:32:41,970 --> 00:32:45,710
+اتفاق من المسائل الاجتهادية لم تعود مسألة اجتهادية
+
+336
+00:32:45,710 --> 00:32:50,990
+وانما ايه؟ صارت اجمعزي النص يعني قد تكون أصل
+
+337
+00:32:50,990 --> 00:32:54,630
+المسألة اجتهادية ويتم الاتفاق عليها ولكن لا تسمى
+
+338
+00:32:54,630 --> 00:32:58,670
+مسألة اجتهادية، كونها المسألة اجتهادية إذا هي محل
+
+339
+00:32:58,670 --> 00:33:06,350
+خلاف وتعدد أراء بين العلماء، والسبب الثاني نعم
+
+340
+00:33:06,350 --> 00:33:09,750
+اختلاف القواهات في تسوي المجتمع بالتأمين، فبالتالي
+
+341
+00:33:09,750 --> 00:33:15,660
+أد إلى اختلاف الأراءالاختلاف في توصيف وتكييف عقد
+
+342
+00:33:15,660 --> 00:33:20,800
+التأمين كيف يعني توصيف يعني بالفعل يعني كلهم
+
+343
+00:33:20,800 --> 00:33:28,240
+ينظروا اليه نظرة معينة قد تختلف يكيفه وتكيفه يعني
+
+344
+00:33:28,240 --> 00:33:34,120
+لا شك يا اخوة خلي بالكوا ان عقد التأمين فيه من
+
+345
+00:33:34,120 --> 00:33:40,640
+سمات عقد التأمين التعاوني فيه
+
+346
+00:33:41,760 --> 00:33:46,300
+باعتباره يحقق مصالح، ينقذ من الكوارث، يعني إلى غير
+
+347
+00:33:46,300 --> 00:33:54,480
+ذا، وفيه من سمات العقود المحرمة، الربة، المقامرة،
+
+348
+00:33:54,480 --> 00:34:03,240
+الميسر، المش عارف إيش فيه، فمن غلبصفات كونه عقد
+
+349
+00:34:03,240 --> 00:34:10,140
+تعاوني وتمر ووجد مخرجا للأشياء هديكي، الأشياء
+
+350
+00:34:10,140 --> 00:34:16,040
+الصفاتي للسمات وجد لها تخريجا، قال بجوازه، ومن غلب
+
+351
+00:34:17,200 --> 00:34:21,580
+الخصائص الأخرى أو السمات كونوا من المقامرة والربا
+
+352
+00:34:21,580 --> 00:34:26,220
+ويعتبروا ان سمات التعاون مش مبينة يعني ولا بارزة
+
+353
+00:34:26,220 --> 00:34:31,680
+ولا تمثل 10% منه غلبها ما هو الحكم حسب الترجيح مش
+
+354
+00:34:31,680 --> 00:34:34,900
+بالضرورة يا اخوة ان الحكم على الشيء بالحرمة يعني
+
+355
+00:34:34,900 --> 00:34:39,840
+انه كله بفسدهولا الحكم على الشيء بالحل يعني إنه
+
+356
+00:34:39,840 --> 00:34:45,720
+كله مصلحة، لأ، إذا غلبت المصلحة، تحكم الشريعة
+
+357
+00:34:45,720 --> 00:34:50,540
+بالحل، وإذا غلبت المفسدة، تحكم الشريعة بالحُرمة،
+
+358
+00:34:50,540 --> 00:34:58,120
+كالخمر مثلا، أحسن، اللي ربنا قالقل فيهما F من كبير
+
+359
+00:34:58,120 --> 00:35:04,280
+ومنافع يعني لم ينفي ربنا عن الخمر منافع المنافع
+
+360
+00:35:04,280 --> 00:35:09,400
+وانقل على رأي بعض المفسرين أنه لما حرمت يعني سلبت
+
+361
+00:35:09,400 --> 00:35:13,660
+منافعها لكن بغض المظهر لكن انت لو شوفت ايه اقول
+
+362
+00:35:13,660 --> 00:35:19,780
+لكوا اللي بسرج هو اللي بسرج في جريمة اكبر من هيك
+
+363
+00:35:19,780 --> 00:35:24,160
+جريمة كبرى لكن هو في الآخر يحقق منافع
+
+364
+00:35:27,090 --> 00:35:32,070
+يعني بيجيب .. بيطعم ولاده و بيأكلهم و يجيبونه
+
+365
+00:35:32,070 --> 00:35:36,490
+يلبسوا هذا في حد ذاته منفعة مطلوبة، لكن الطريقة
+
+366
+00:35:36,490 --> 00:35:43,510
+غلط، يعني فيه منافع، مش مافيش، لكن لما كانت
+
+367
+00:35:43,510 --> 00:35:47,210
+المفاسد أكبر بكثير، بنقولله إن شاء الله مالبست ولا
+
+368
+00:35:47,210 --> 00:35:53,960
+أكلت، لأنت ولا ولادكلأن السرقة ضرر كبير تخويف
+
+369
+00:35:53,960 --> 00:35:58,580
+للناس ضرر بالمجتمع إلى غير ذلك إذا أيها الأخوة
+
+370
+00:35:58,580 --> 00:36:05,920
+الكرام يعني بحسب التوصيف وترجيح المصلحة على نفسها
+
+371
+00:36:05,920 --> 00:36:14,490
+ده الآن خلينا نيجي نشوف أدلة كل فريق أولارأي
+
+372
+00:36:14,490 --> 00:36:22,190
+المانعين اللي هم المانعين من جواز التأمين
+
+373
+00:36:22,190 --> 00:36:25,870
+او يعني القائلين بالحرمة لما بنقول المانعين يعني
+
+374
+00:36:25,870 --> 00:36:31,550
+القائلين بالحرمة اش هنطول ان شاء الله بنستعرض
+
+375
+00:36:31,550 --> 00:36:35,130
+استعراض و بنفصل في المرة الجاية الحقيقة يا اخوة
+
+376
+00:36:35,130 --> 00:36:41,300
+المانعين او المحرميناستدلوا بمجموعة من الأدلة و
+
+377
+00:36:41,300 --> 00:36:47,340
+هتلاحظوا يا اخوة شغل الآن ان سواء المانعين او
+
+378
+00:36:47,340 --> 00:36:58,620
+المجيزين كل منهم حاشة ده مجموعة من الأدلة ليؤكد
+
+379
+00:36:58,620 --> 00:37:06,010
+على صحة رأيهم وهذا فيه إشارةإشارة إنه المسألة
+
+380
+00:37:06,010 --> 00:37:11,750
+بالفعل يعني ليس مقطوع بها لا عند المجهزين ولا عند
+
+381
+00:37:11,750 --> 00:37:16,490
+المانعين لأن مجموعة الأدلة كأنه بيقول إذا الدليل
+
+382
+00:37:16,490 --> 00:37:20,270
+هذا ماعجبكش هي فيه دليل تاني إذا الدليل هذا نسبة
+
+383
+00:37:20,270 --> 00:37:25,410
+الإقناع فيه خمسين في الميه يعني هو يحشد الأدلة لكي
+
+384
+00:37:25,410 --> 00:37:34,660
+تتعابض في مجموعها لإقناعأو للإقناع بالحكم أو
+
+385
+00:37:34,660 --> 00:37:39,880
+للتأكيد على الحكم فبينما نجد مثلا القائدين بالمنع
+
+386
+00:37:39,880 --> 00:37:44,440
+حشدوا مجموعة خمس ست سبع أدلة كذلك نجد الآخرين
+
+387
+00:37:44,440 --> 00:37:51,960
+جمعوا أو استندوا إلى مجموعة من الأدلة وكل من
+
+388
+00:37:51,960 --> 00:37:57,120
+الفريقين ناقش الآخريعني الأمر كان محتدم ناقش الآخر
+
+389
+00:37:57,120 --> 00:38:03,620
+في مستدلة بيه ليبطل أدلته ولتسلم له الأدلة التي
+
+390
+00:38:03,620 --> 00:38:07,440
+تمد عليها يعني أنا حاصر لبعض الأدلة القائلين
+
+391
+00:38:07,440 --> 00:38:13,360
+بالمنع أو القائلين بالتحريم قالوا يا عم أولا أولا
+
+392
+00:38:13,360 --> 00:38:20,340
+وقبل كل شيء هذا عقده غررعقده غرر و احنا اتكلمنا
+
+393
+00:38:20,340 --> 00:38:25,240
+قبل هيك يعني انا هاستعرض الادلة و مش هفصل فيها
+
+394
+00:38:25,240 --> 00:38:29,260
+كتير لان و خلت افصيلها المرة الجاية ثانيا شوفوا
+
+395
+00:38:29,260 --> 00:38:33,580
+لما واحد يقولك عقد غرر عقد ربا او يشتملوا على
+
+396
+00:38:33,580 --> 00:38:38,580
+الرباعقد يشتمل على الميسر والقمار، عقد فيه معنى
+
+397
+00:38:38,580 --> 00:38:46,300
+التحدي للقدر الإلهي، عقد فيه يعني يترتب عليه، عقد
+
+398
+00:38:46,300 --> 00:38:51,120
+يشتمل على بيع الكالق بالكالق، بيع الدين بالدين،
+
+399
+00:38:51,120 --> 00:38:54,480
+بيع
+
+400
+00:38:54,480 --> 00:39:02,450
+تترتب عليه مفاسد،مفاسد وحنشوف كيف تترتب عليه مفاسد
+
+401
+00:39:02,450 --> 00:39:10,470
+بيع أسف عقد فيه الزام ما لا يلزم فتمنش موحة من
+
+402
+00:39:10,470 --> 00:39:15,750
+الأدلة و الطرف الآخر هيقولك برضه في عندي انا أدلة
+
+403
+00:39:15,750 --> 00:39:19,950
+ماتجلجش و هرد عليك و الرد و المناقشة و استعراض
+
+404
+00:39:19,950 --> 00:39:21,370
+الأدلة خليها للمرة الجاية
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/7wpYkL7K1tw_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/7wpYkL7K1tw_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..ad71e0110799bd1a2854bfc0b5664963d8e0337c
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/7wpYkL7K1tw_postprocess.srt
@@ -0,0 +1,1556 @@
+1
+00:00:21,330 --> 00:00:24,690
+الحمد لله والصلاة والسلام على رسول الله وعلى آله
+
+2
+00:00:24,690 --> 00:00:29,590
+وصحبه ومن اقتدى بهديه واستنى بصناته الى يوم الدين
+
+3
+00:00:29,590 --> 00:00:35,330
+اللهم اننا نسألك الهدى والتقى والعفافة والغنى وان
+
+4
+00:00:35,330 --> 00:00:40,410
+تعلمنا ما ينفعنا وان تنفعنا بما علمتنا وان تسدد
+
+5
+00:00:40,410 --> 00:00:42,330
+على الحق خطانا يا رب العالمين
+
+6
+00:00:46,030 --> 00:00:51,130
+وبعد اليوم نتحدث بإذن الله سبحانه وتعالى عن صورة
+
+7
+00:00:51,130 --> 00:00:56,730
+أخرى من صور حقوق الإبتكار أو الحقوق المعنوية التي
+
+8
+00:00:56,730 --> 00:01:05,390
+يمكن أن يُأخذ بدلا ماليا عنها أو لا يُأخذ وصورة
+
+9
+00:01:05,390 --> 00:01:11,990
+اليوم تحت عنوان حق براءة الإختراع أو براءة
+
+10
+00:01:11,990 --> 00:01:19,910
+الإختراعربما أيها الأخوة الكرام يعني لا يجهل أحد
+
+11
+00:01:19,910 --> 00:01:27,710
+منا ما المقصود عموما ببراءة الاختراع أصبحنا في عصر
+
+12
+00:01:27,710 --> 00:01:33,630
+اليوم كثرت فيه براءات الاختراع كثرت فيه التطورات
+
+13
+00:01:33,630 --> 00:01:40,730
+التقنية والإبداعات والابتكارات العلمية بل تزاحبت
+
+14
+00:01:40,730 --> 00:01:48,440
+وأصبحنا كل يومبل ربما كل ساعة يعني نفتح أذاننا
+
+15
+00:01:48,440 --> 00:01:55,960
+وأعيننا على براءات و مبتكرات واختراعات علمية جديدة
+
+16
+00:01:55,960 --> 00:02:02,080
+وفي مختلف الأصعدة في سواء على في مجال الإلكترونيات
+
+17
+00:02:02,080 --> 00:02:06,920
+في مجال الأجهزة الطبية في مجال الأجهزة الزراعية في
+
+18
+00:02:06,920 --> 00:02:10,620
+مجال الأجهزة الهندسية والصناعية في كل المجالات كل
+
+19
+00:02:10,620 --> 00:02:17,760
+يومهناك تطوير هناك بداعات جديدة في مختلف الصناعات
+
+20
+00:02:17,760 --> 00:02:23,060
+وعصرنا حقيقة يعني اليوم هو عصر الابتكارات هو هنا
+
+21
+00:02:23,060 --> 00:02:28,600
+يوجد ان صح التعبير لدينا ثورة في البراءات الاختراع
+
+22
+00:02:28,600 --> 00:02:36,420
+خاصة في الدول المتقدمة وحتى في غير الدول المتقدمة
+
+23
+00:02:39,550 --> 00:02:45,730
+ماذا عن طبيعة هذه البراءات؟ ما هي حقيقتها؟ ما هي
+
+24
+00:02:45,730 --> 00:02:51,250
+أنواعها؟ ما موقف هذا الذي يهمنا بدرجة الأساسية؟ ما
+
+25
+00:02:51,250 --> 00:02:58,450
+موقف الشريعة الإسلامية؟من براءات الاختراع من حيث
+
+26
+00:02:58,450 --> 00:03:05,270
+حق المخترع أو صاحب البراءة في أن يأخذ بدلا ماليا
+
+27
+00:03:05,270 --> 00:03:09,390
+عن اختراعه او عن إبداعه هذا
+
+28
+00:03:14,300 --> 00:03:20,960
+في البداية يعني كما تعودنا نتحدث عن المقصود
+
+29
+00:03:20,960 --> 00:03:28,040
+بالبراءة ببراءة الاختراع لغة واصطلاحا تلاحظون أن
+
+30
+00:03:28,040 --> 00:03:33,360
+براءة الاختراع مكونة من كلمتين فهي مركب يعني كما
+
+31
+00:03:33,360 --> 00:03:43,540
+يقولون إضافيهذا المُركّب أصبح لقبًا يدل على معنى
+
+32
+00:03:43,540 --> 00:03:49,180
+معينًا براءة الإختراع مع بعضها أصبحت اسمًا أصبحت
+
+33
+00:03:49,180 --> 00:03:55,080
+لقبًا أصبحت وصفًا يدل على معنى خاصًا لكن إذا ما
+
+34
+00:03:55,080 --> 00:04:02,440
+حاولنا أن نحلل هذا الاسم أو هذا المُركّب بالفعل
+
+35
+00:04:02,440 --> 00:04:12,850
+نجده مكوّن منمن كلمتين البراقة والاختراع والحقيقة
+
+36
+00:04:12,850 --> 00:04:18,150
+أن البراقة والاختراع بينهم متقارب شديد جدا يعني
+
+37
+00:04:18,150 --> 00:04:23,210
+كلمة البراقة يعني تطلق على أكثر من معنى ولا على
+
+38
+00:04:23,210 --> 00:04:34,890
+معاني متقاربة من الفئة من المصدرين ربما تعود يعني
+
+39
+00:04:34,890 --> 00:04:36,850
+براقة و بارقة
+
+40
+00:04:40,020 --> 00:04:48,660
+بمعنى خلق و أبدع برأ الحبّة و النسمة الله عز وجل
+
+41
+00:04:48,660 --> 00:04:54,360
+هو الخالق هو الخالق و لذلك من أسماء الله البارئ و
+
+42
+00:04:54,360 --> 00:05:00,700
+لا لا يعني الخالق ففيها
+
+43
+00:05:00,700 --> 00:05:05,160
+معنى الخلق
+
+44
+00:05:06,900 --> 00:05:13,060
+والسبق لأنه عندما تخلق شيئا بالطبع انه يعني انك
+
+45
+00:05:13,060 --> 00:05:17,560
+غير مسبق فيه يعني فيها معنى ده الخلق و السبق بحيث
+
+46
+00:05:17,560 --> 00:05:21,420
+لم يعني .. لما انت .. لما انت تقول ولا هذا مخلوق
+
+47
+00:05:21,420 --> 00:05:29,040
+جديد يعني فواضح انه ليس له نظير او ليس لهم شبيه
+
+48
+00:05:29,040 --> 00:05:35,960
+وتأتي من برقةبمعنى .. المعنى نعرفه نحن بمعنى شفية
+
+49
+00:05:35,960 --> 00:05:43,840
+نقول بريء المريض من مرضه بمعنى شفية أو يعني تخلصه
+
+50
+00:05:43,840 --> 00:05:51,980
+من مرضه ففيها معنى الشفاء معنى التخليالتخلص فيها
+
+51
+00:05:51,980 --> 00:05:58,500
+كل هذه يعني المعاني واستجاهل جدا أن مجموعة هذه
+
+52
+00:05:58,500 --> 00:06:03,900
+المعاني ربما يكون لها علاقة بالمصطلح الجديد الذي
+
+53
+00:06:03,900 --> 00:06:06,380
+تكون منه كلمة براية للاختراع
+
+54
+00:06:12,920 --> 00:06:19,700
+فمن الفعل خرع أو خريعة بمعنى شق الشيء خرع الشيء
+
+55
+00:06:19,700 --> 00:06:27,860
+بمعنى شقه وشقه عادة يا اخوة ما يكون مقصودا منه
+
+56
+00:06:27,860 --> 00:06:33,340
+البحث عن شيء الشق يعني واحد يقول ما العلاقة بين
+
+57
+00:06:33,340 --> 00:06:41,300
+الشق والإبداععادة الشق يعني أنت عندما تكسر الحبة،
+
+58
+00:06:41,300 --> 00:06:46,280
+أي حبة، إنما تقصده أن تأخذ منها البذرة مثلا أو إلى
+
+59
+00:06:46,280 --> 00:06:52,350
+غير ذلك، حبة اللوز بتكسرهالتأخذ منها شيئا معينا
+
+60
+00:06:52,350 --> 00:07:01,090
+تشق .. الطبيب يشق بطن المريض ليعالجه لمقصود معين
+
+61
+00:07:01,090 --> 00:07:08,390
+فالشق عادة يكون مقصودا منه شيئا أخر يعني معالجة
+
+62
+00:07:08,390 --> 00:07:13,370
+معينة إبداع معينة الوصول إلى شيء الوصول إلى شيء
+
+63
+00:07:13,370 --> 00:07:22,390
+معين ويرحميعني بالفعل بين الاختراع والبراءة تقارب
+
+64
+00:07:22,390 --> 00:07:25,190
+في المعنى، البراءة إبداع وخلق
+
+65
+00:07:28,420 --> 00:07:31,740
+كلمة ال .. ال .. ال .. لو قلنا من ال .. البراة
+
+66
+00:07:31,740 --> 00:07:36,160
+بمعنى من الأصل بالفعل، برقة إيه علاقة؟ لأن برقة
+
+67
+00:07:36,160 --> 00:07:42,380
+اللي هي بمعنى شافية وكأنه تخل .. وكأن المرض تعد
+
+68
+00:07:42,380 --> 00:07:50,400
+عنه، أه؟ وتخلى عن المرض، وصار هناك يعني فاصلة بينه
+
+69
+00:07:50,400 --> 00:07:57,910
+وبينهوانت و المبدع انما ينتج شيئا جديدا كان في
+
+70
+00:07:57,910 --> 00:08:04,890
+نفسه فاخرجه الى الواقع ليستفيد منه الناس و هكذا
+
+71
+00:08:04,890 --> 00:08:08,770
+ربما فاخترت
+
+72
+00:08:08,770 --> 00:08:17,740
+هتين الكلمتين لتعبران عن ذلكم الإبداعاتالتقنية
+
+73
+00:08:17,740 --> 00:08:26,480
+التي يتوصل اليها المبتكرون والمبدعون في خدمة
+
+74
+00:08:26,480 --> 00:08:32,860
+البشرية قبل ان يسبقهم اليها احد اذا هذا بالنسبة
+
+75
+00:08:32,860 --> 00:08:39,220
+لبراءة الاختراع لغة
+
+76
+00:08:39,220 --> 00:08:45,580
+اما من حيث براءة الاختراع في الاصطلاح
+
+77
+00:08:47,780 --> 00:08:53,480
+يعني دعني أقول قبل أن أورد التعريف المذكور أو
+
+78
+00:08:53,480 --> 00:08:59,040
+التعريفات التي ذكرها المختصون في .. لبراءة
+
+79
+00:08:59,040 --> 00:09:07,520
+الاختراع يعني دعنا نفرق .. دعونا نفرق بين براءة
+
+80
+00:09:07,520 --> 00:09:13,120
+الاختراع التي
+
+81
+00:09:13,120 --> 00:09:16,700
+تترتب عليها الحقوق
+
+82
+00:09:19,050 --> 00:09:26,910
+وتصبحوا حقا للصاحبها وبين براقة الإختراع بشكل عام
+
+83
+00:09:26,910 --> 00:09:35,050
+براقة الإختراع يا إخوة بشكل عام دعنا نقول هي ما
+
+84
+00:09:35,050 --> 00:09:46,950
+ينتجه أو ما يبتكره ما يبدعه الإنسان من
+
+85
+00:09:46,950 --> 00:09:48,250
+منتج
+
+86
+00:09:50,340 --> 00:09:58,360
+يعودوا على البشرية بالمنفعة دون أن يُسبق إليه، أي
+
+87
+00:09:58,360 --> 00:10:04,160
+واحد بيقدّم للبشرية منتجلم يسبق اليه يسمى هذا
+
+88
+00:10:04,160 --> 00:10:10,060
+المنتج الجديد براقة براقة اختراع براقة عموما يعني
+
+89
+00:10:10,060 --> 00:10:15,720
+احنا واحد الطلاب بين بعض او الهيئة التدريسية او اي
+
+90
+00:10:15,720 --> 00:10:20,680
+فئة علمية بين بعض لما واحد يكون توصل لشيء جديد
+
+91
+00:10:20,680 --> 00:10:24,720
+بيقولوله انت عملت براقة اختراع لكن هذا بشكل عام
+
+92
+00:10:24,720 --> 00:10:29,720
+لكن براقة الاختراع المؤتمدة
+
+93
+00:10:31,600 --> 00:10:37,780
+براءة الإختراع التي تسمى ويعترف بها كبراءة اختراع
+
+94
+00:10:37,780 --> 00:10:44,900
+يختلف معناها لأن مش كل واحد توصل إلى شيء ثم تركه
+
+95
+00:10:44,900 --> 00:10:50,180
+دون أن يفعله ودون أن يطبقه ودون أن يسمح بالاستفادة
+
+96
+00:10:50,180 --> 00:10:59,060
+منه يصبح يعني مالكا لبراءة اختراع ربما
+
+97
+00:10:59,060 --> 00:11:00,660
+تضيع هذه البراءة عنه
+
+98
+00:11:03,570 --> 00:11:09,810
+براءة الاختراع لا تعتمد، لا يعني تترتب عليها
+
+99
+00:11:09,810 --> 00:11:13,590
+حقوقها يعني ده ان انا اقولها بشروط لعلنا نتحدث
+
+100
+00:11:13,590 --> 00:11:23,270
+فيها يعني بعد قليل، لكن هذه هي البراءة التيإذا طلب
+
+101
+00:11:23,270 --> 00:11:31,450
+تعريفها يعني عُرفت بناء على هذا القصد البراعة
+
+102
+00:11:31,450 --> 00:11:36,770
+المعتمدة يا إخوة وليس البراعة بمعنى ذات المخترع،
+
+103
+00:11:36,770 --> 00:11:43,640
+ذات المخترع ممكن أنه ينال صاحبهمبرائة اختراع واحد
+
+104
+00:11:43,640 --> 00:11:47,880
+فعلا يخترع شيء او يتوصل الى شيء لكن لا يقوم
+
+105
+00:11:47,880 --> 00:11:52,780
+بالاجراءات التي تمنحه براية الاختراع لا يطالب
+
+106
+00:11:52,780 --> 00:11:59,040
+فيأتي شخص اخر ربما بعد ذلك ربما يأخذ هذا الحق
+
+107
+00:11:59,040 --> 00:12:04,720
+بطريقة او باخرى او يختلص هذا الحق منه ويصبح حقا
+
+108
+00:12:04,720 --> 00:12:05,000
+لهم
+
+109
+00:12:08,240 --> 00:12:13,260
+براءة الإختراع يا إخوة إذا ما أردنا أن نعرفها أو
+
+110
+00:12:13,260 --> 00:12:19,860
+بحسب ما أعرفها المختصون أعرفوها بأنها سند راحظوا
+
+111
+00:12:19,860 --> 00:12:26,680
+سند رسمي خليني أكتب التعريف لأن في بعض الشغل براقة
+
+112
+00:12:26,680 --> 00:12:33,460
+الإختراع تعرف بأنها سند رسمي
+
+113
+00:12:35,910 --> 00:12:44,730
+سند رسمي أو شهادة ماشي سند رسمي عام تمنحه سلطة
+
+114
+00:12:44,730 --> 00:12:54,370
+تمنحه سلطة إدارية مختصة
+
+115
+00:12:54,370 --> 00:13:05,570
+لمن يطلبه شفتوا كيف؟ بشروطبشروط طبعا يعني شكلية
+
+116
+00:13:05,570 --> 00:13:09,450
+وموضوعية
+
+117
+00:13:09,450 --> 00:13:15,390
+معينة لو احنا وقفنا عن شروط مش الحال يعني الشروط
+
+118
+00:13:15,390 --> 00:13:22,600
+منها شكلية ومنها موضوعية اذا سند رسمي عامتمنحه
+
+119
+00:13:22,600 --> 00:13:28,460
+سلطة إدارية مختصة لمن يطلبه بشروط بشروط، شكلية أو
+
+120
+00:13:28,460 --> 00:13:33,500
+موضوعية، إذا ليس المقصود من البراعة في المصطلح
+
+121
+00:13:34,590 --> 00:13:39,030
+والبراءة التي تترتب عليها الحقوق والبراءة التي
+
+122
+00:13:39,030 --> 00:13:48,230
+يطالب أصحابها بثمرة جهدهم هي مجرد
+
+123
+00:13:48,230 --> 00:13:53,430
+اختراع، ليس بمجرد أن الإنسان توصل إلى شيء يثبت
+
+124
+00:13:53,430 --> 00:14:01,090
+حقه، لألابد من عمل أخر، لابد من إجراءات أخرى لكي
+
+125
+00:14:01,090 --> 00:14:06,950
+تثبت لك هذه البراءة وتترتب عليها حقوقها، وكان
+
+126
+00:14:06,950 --> 00:14:16,280
+بالخطوة الأولى تقديم طلبوإن كان هذا مؤخرا لكن هو
+
+127
+00:14:16,280 --> 00:14:24,760
+مقدم يعني من حيث المفهوم ضمن ان تذهب تبحث عن الجهة
+
+128
+00:14:24,760 --> 00:14:32,940
+التي تضمن لك هذا الحق وتثبت لك في القوائم او في
+
+129
+00:14:32,940 --> 00:14:42,310
+السجلات الرسمية تضمن لك هذا الحق بدك تتحرك اهإذا
+
+130
+00:14:42,310 --> 00:14:49,190
+فتقدم طالبا ل الجهات المختصة و بالمناسبة يا إخوات
+
+131
+00:14:49,190 --> 00:14:56,350
+هناك جهات عديدة منها داخلية في داخل الدولة داخل
+
+132
+00:14:56,350 --> 00:15:02,550
+الدولة نفسها جهة حكومية أو هناك جهات دولية يعني
+
+133
+00:15:02,550 --> 00:15:09,490
+منظمات أو مؤسسات يعني وجدت لمنح
+
+134
+00:15:10,520 --> 00:15:16,800
+هذه الشهادات لأصحاب الحقوق ومن ثم متابعة حماية هذه
+
+135
+00:15:16,800 --> 00:15:21,420
+الحقوق يعني ممكن الدولة نفسها تقوم بهذا من خلال
+
+136
+00:15:21,420 --> 00:15:26,700
+مؤسسات خاصة او مؤسسات دولية عامة موجودة في داخل
+
+137
+00:15:26,700 --> 00:15:30,200
+البلد او في خارج البلد المهم هذه الجهات كلها بيكون
+
+138
+00:15:30,200 --> 00:15:34,400
+معترف فيها جهات رسمية وتعطي هذا الحق ومتداول
+
+139
+00:15:34,400 --> 00:15:43,670
+ومعترف فيها بين دول العالم اذا تقديم طلبثم طبعا
+
+140
+00:15:43,670 --> 00:15:48,910
+بعد تقديم الطلب لنظر هذا الطلب يتضمن طبيعة
+
+141
+00:15:48,910 --> 00:15:57,230
+الاختراعومدى تقديم النفة وإمكانية النفة، ليس كل من
+
+142
+00:15:57,230 --> 00:16:03,630
+قدم طلبا أو ظن أنه اخترع شيئا أو قدم شيئا على طول
+
+143
+00:16:03,630 --> 00:16:08,090
+احنا هنمنحه، لأ، يمكن سبق كده، دي شوفوا الميزة هنا
+
+144
+00:16:08,090 --> 00:16:13,820
+في تقديم الطلب ومن ثم منح أو عدم منحالشهادة أو
+
+145
+00:16:13,820 --> 00:16:20,560
+السند في أن هذه الجهات أولا الأصل أن تتواصل فيما
+
+146
+00:16:20,560 --> 00:16:26,520
+بينها التي تمنح ويُعرف
+
+147
+00:16:27,810 --> 00:16:31,710
+كل مخترع
+
+148
+00:16:31,710 --> 00:16:37,190
+وكل إبداع مسجل فأول أول خطوة إذا كان هذا الذي
+
+149
+00:16:37,190 --> 00:16:42,390
+تقدمت بطلبي حق براية الإختراع فيه إذا كان قد سبقك
+
+150
+00:16:42,390 --> 00:16:49,690
+إليه أحد خلاص لم يعد هناك لك حق في ذلك أي أول واحد
+
+151
+00:16:49,690 --> 00:16:57,460
+حد اتنين لو لم يسبقك إليه أحدبرضه ليس معناه ذلك
+
+152
+00:16:57,460 --> 00:17:04,700
+انه خلاص هتاخد البراءة، ننظر في إمكانية الانتفاع،
+
+153
+00:17:04,700 --> 00:17:12,000
+مش مجرد أمر نظري و .. و .. و .. و .. و .. افتراضي،
+
+154
+00:17:12,000 --> 00:17:19,110
+لأفيه بدى يكون فيه ممكن الانتفاع بيه ممكن سواء على
+
+155
+00:17:19,110 --> 00:17:24,170
+صعيد الخدمات الصناعية
+
+156
+00:17:24,170 --> 00:17:28,850
+أو كما قلنا الطبية الزراعية ممكن يعني وفي أشياء
+
+157
+00:17:28,850 --> 00:17:34,310
+واقعية تثبتها وربما يرسل إليك مختصون يناقشونك في
+
+158
+00:17:34,310 --> 00:17:41,280
+هذا الأمر وإلى غير ذلك فالأمر يعنيثم انه سجل بعد
+
+159
+00:17:41,280 --> 00:17:50,600
+ذلك لك هذا الحق، اذا يعني طلب تمنحه سلطة خاصة
+
+160
+00:17:50,600 --> 00:17:55,520
+مختصة كما قلت من قبل الدولة او مؤسسة دولية معترف
+
+161
+00:17:55,520 --> 00:18:03,320
+بها، بشروط التي ذكرناها، ما لا يسبقك اليها احدأن
+
+162
+00:18:03,320 --> 00:18:08,780
+يكون فيها منفعة وخدمة تعود على البشرية وتلاحظ
+
+163
+00:18:08,780 --> 00:18:12,760
+وتلمس أثرها
+
+164
+00:18:12,760 --> 00:18:18,760
+فبدون هيك ما تسمى براءة اختراع فليس كل من اكتشف
+
+165
+00:18:18,760 --> 00:18:22,420
+شيء عنده ضرورة أن تثبت له براءة الاختراع انما تثبت
+
+166
+00:18:22,420 --> 00:18:29,640
+براءة الاختراع لمن قام بعدد إجراءات والتزامة بعدد
+
+167
+00:18:29,640 --> 00:18:37,780
+شروطاذا هي سلطة او هي سند رسمى عام تمنحه سلطة
+
+168
+00:18:37,780 --> 00:18:43,900
+إدارية مختصة لمن يطلبه بشروط شكلية او طبعا اذا ما
+
+169
+00:18:45,630 --> 00:18:52,130
+ثبتت براءة الإختراع إذا ما ثبتت براءة الإختراع بعد
+
+170
+00:18:52,130 --> 00:18:57,330
+تحقق هذه الشروط الشغلية والموضوعية يعني الإجراءات
+
+171
+00:18:57,330 --> 00:19:06,870
+والاشتراطات التي ذُكرت تترتب الحقوق المعروفة أولا
+
+172
+00:19:06,870 --> 00:19:12,550
+النسبة تحفظ نسبة هذا المخترع لك زي المؤلف أول شيء
+
+173
+00:19:12,550 --> 00:19:20,720
+ثانيايحفظوا لك او تحمى من الاعتداء تاخد حق لحماية
+
+174
+00:19:20,720 --> 00:19:27,100
+من الاعتداء على لو اجي بعدين واحد جدا طلب تاني او
+
+175
+00:19:27,100 --> 00:19:31,140
+ماجددا مش شوف واحد في منطقة تانية بيشتغل هالشغلة
+
+176
+00:19:31,140 --> 00:19:34,780
+بناء على هذا الاختراع من كل استثناء كيف انت ماخدت
+
+177
+00:19:34,780 --> 00:19:40,860
+اذن؟ لأ ماخدتش او انا اللي اخترعته لا يا عم في ناس
+
+178
+00:19:40,860 --> 00:19:51,950
+بجوك الى ذلكحق الحماية ثالثا حق التصرف والانتفاع
+
+179
+00:19:51,950 --> 00:19:58,150
+حق النسبة حق الحماية حق الانتفاع والتصرف ثلاث
+
+180
+00:19:58,150 --> 00:20:05,780
+أشياء تترتب إذا ثابتتلكن في ناس ربما يعني فعلا
+
+181
+00:20:05,780 --> 00:20:09,800
+عالم لكن ما .. ماانتبهش لهذه الشغلات، لا تفوت نهو
+
+182
+00:20:09,800 --> 00:20:14,980
+هذه الحقوق، كأني بالمقولة القانون لا يحمل مغفلين،
+
+183
+00:20:14,980 --> 00:20:19,480
+ممكن واحد ياخدها منه و هو ينال هذه الحقوق و هو
+
+184
+00:20:19,480 --> 00:20:27,940
+بالع، هو عالم لكن أهبللأ احنا بدنا عامل عالم يكون
+
+185
+00:20:27,940 --> 00:20:33,400
+برضه يحافظ على حقوقه ويثبتها ويعرف ما يدور حوله
+
+186
+00:20:33,400 --> 00:20:39,340
+وكيف تثبت الحقوق وكيف ينتزع هذه الحقوق وكيف يحارب
+
+187
+00:20:39,340 --> 00:20:47,120
+عليها، فيعني لا بأسة في ذلكهذا .. هذا بالنسبة ل ..
+
+188
+00:20:47,120 --> 00:20:52,940
+و لذلك يا إخوة يعني كما ذكرته يعني التعريفات
+
+189
+00:20:52,940 --> 00:20:56,520
+البراءة كلها تدور حول هذا المعنى، هذا تعريف تعريف
+
+190
+00:20:56,520 --> 00:21:01,500
+آخر لأنها مثلا وثيقة، يعني هي تعريف آخر، سند أو
+
+191
+00:21:01,500 --> 00:21:07,520
+وثيقة أو شهادة زي ما حكيته وثيقة تمنح من طرف أو من
+
+192
+00:21:07,520 --> 00:21:14,310
+طرف دائرة رسمية، يعني نفس الكلامسند رسمي عام تمنحه
+
+193
+00:21:14,310 --> 00:21:18,290
+سلطة إدارية نفس التعبير كلمات مختلفة لكن المعنى
+
+194
+00:21:18,290 --> 00:21:25,630
+واحد وثيقة تمنح من طرف دائرة رسمية أو من مكتب عامل
+
+195
+00:21:25,630 --> 00:21:30,330
+باسم مجموع من الأقطار إشارة إلى تنوع الجهات التي
+
+196
+00:21:30,330 --> 00:21:37,590
+تمنح هذه الشهادات ممكن دولة الحكومة مؤسسة دولية
+
+197
+00:21:37,590 --> 00:21:44,960
+معترف بهابنان على طلب بذالك، الكل متفق، لازم انت
+
+198
+00:21:44,960 --> 00:21:51,100
+تقدم طلب، لازم تروح تبلغ عن مكتشفك، عن مخترعك،
+
+199
+00:21:51,100 --> 00:21:55,790
+عشان تثبت إيه لك احنا بقعد نجور على كل واحدمش
+
+200
+00:21:55,790 --> 00:22:01,930
+معقول، فإحنا اليوم في نوع من طغيان المادي، في نوع
+
+201
+00:22:01,930 --> 00:22:05,370
+من الاعتداءات الكثيرة، في نوع من التزويرات
+
+202
+00:22:05,370 --> 00:22:10,410
+والتزييفات اللي انتشرت، فالأصل أن يحاول أن يعني
+
+203
+00:22:10,410 --> 00:22:13,970
+يحافظ
+
+204
+00:22:13,970 --> 00:22:22,330
+كل إنسان على حقوقه بالطرق التي شرعتها أو قننتها
+
+205
+00:22:22,330 --> 00:22:31,250
+الحكومات والقوانينوالدساتيري طبعا و كما قلنا يترتب
+
+206
+00:22:31,250 --> 00:22:37,490
+على هذه الشهادة او منح او ثبوت هذه الشهادة لمن
+
+207
+00:22:37,490 --> 00:22:44,130
+منيحت له حق الاستخدام لهذا الاختراع والتصرف فيه
+
+208
+00:22:44,130 --> 00:22:54,170
+الحقيقة يا اخوةهذه البراءات وما يترتب عليها من
+
+209
+00:22:54,170 --> 00:23:01,870
+حقوق حمتها القوانين الحديثة حمتها بدليل انه او جذب
+
+210
+00:23:01,870 --> 00:23:10,450
+جهات رسمية تسجل فيها هذه البراءات من أجل حماية
+
+211
+00:23:10,450 --> 00:23:20,520
+أصحابها من الاعتداءاتومن أجل الاستفادة
+
+212
+00:23:20,520 --> 00:23:26,920
+على أعلى مستوى ومن أجل أن يأخذ كل ذي حق حقه
+
+213
+00:23:26,920 --> 00:23:34,820
+القوانين الوضعية الحديثة اعترفت بهذه الحقوق
+
+214
+00:23:34,820 --> 00:23:40,790
+واعترفت بما ذكرناه من آثار تترتبعلى ثبوت هذه
+
+215
+00:23:40,790 --> 00:23:46,310
+البراءة من حيث النسبة ومن حيث عدم الاعتداء ومن حيث
+
+216
+00:23:46,310 --> 00:23:50,290
+أخذ البدل المالي المتمثل في حق التصرف بيعا وشراعا
+
+217
+00:23:50,290 --> 00:23:56,090
+وتأجيرا وانتفاعا وإلى غير ذلك هذا يعني الكلام
+
+218
+00:23:56,090 --> 00:24:05,190
+ووجدت اتفاقيات عليه عند معظم دول العالم وصدرت فيه
+
+219
+00:24:05,190 --> 00:24:08,370
+قوانين واتفاقيات
+
+220
+00:24:09,460 --> 00:24:15,220
+لكن أنا قبل ما أنتقل إلى موقف الشريعة عوز أسأل ما
+
+221
+00:24:15,220 --> 00:24:24,400
+طبيعته حق براءة الاختراع بمعنى آخر أو السؤال قد لا
+
+222
+00:24:24,400 --> 00:24:33,340
+يكون واضحا لحد كبير ما .. هل حقه براءة الاختراع
+
+223
+00:24:33,340 --> 00:24:46,730
+عقد من العقود؟أم ما هو؟ ماذا يمكن أن نكيف حق كيف
+
+224
+00:24:46,730 --> 00:24:53,110
+يمكن أو بما يمكن أن نكيف حق براءة الإختراع أو بما
+
+225
+00:24:53,110 --> 00:24:59,030
+يمكن .. هل هو عقد من الأخون؟ بين طرفين؟ إذا ما هو؟
+
+226
+00:24:59,030 --> 00:25:10,070
+ترخيص أو منحق جميللا يفهمن أحد من التعريف أن في
+
+227
+00:25:10,070 --> 00:25:15,850
+طرف و في طرف .. طرف يعني .. يعني يعطي و طرف يأخذ
+
+228
+00:25:15,850 --> 00:25:21,760
+.. كسير العقدالبيع طرفين، الإيجار طرفين، طرف يأخذ
+
+229
+00:25:21,760 --> 00:25:26,460
+الثمن وطرف يأخذ السلعة أو ينتفع بالسلعة قد يتوهم
+
+230
+00:25:26,460 --> 00:25:31,960
+البعض أن براية الإختراع هي بمثابة اللي هي الشيادة
+
+231
+00:25:31,960 --> 00:25:36,420
+هذه اللي تتمنح هي بمثابة عقد، لأ هي ليست عقدة
+
+232
+00:25:36,420 --> 00:25:45,540
+وإنما هي منحةلأن العقد بيكون يعني حقيقة ثمن ومثمن
+
+233
+00:25:45,540 --> 00:25:51,340
+مقابل لكن هذه يعني منحة من جهة تقصد و لا تقصد و
+
+234
+00:25:51,340 --> 00:25:59,220
+أخذ شيء هو مقابل أخذ هذه الشهادة هل أخذ شيئا؟ لا
+
+235
+00:25:59,220 --> 00:26:07,180
+وإنما حقوق فضاء على الحقإذن هي شهادة من شأنها أو
+
+236
+00:26:07,180 --> 00:26:15,320
+تمنحه له من أجل المحافظة على حقوقه وليس من أجل أخذ
+
+237
+00:26:15,320 --> 00:26:21,960
+بدل، الجهاد لم تأخذ بدلا عن إثبات هذا الحقولكن هي
+
+238
+00:26:21,960 --> 00:26:30,720
+تعمل فهي جهة متبرع عن صح التعبير او جهة استعدت لكي
+
+239
+00:26:30,720 --> 00:26:36,900
+تقوم بهذا العمل طبعا مغطاء من حيث التكاليف ربما من
+
+240
+00:26:36,900 --> 00:26:44,460
+الدولة او من جهات هنا و هناك المهم ان عقد او ان حق
+
+241
+00:26:44,460 --> 00:26:56,220
+براءة الاختراع ليسليس عقدة كما قد يفسر وانما منح
+
+242
+00:26:56,220 --> 00:27:02,300
+تمنح إذا ما توفرت شروط معينة
+
+243
+00:27:04,470 --> 00:27:08,730
+زي كل الشهادات اللي بتصدرها المؤسسات الألمية ليست
+
+244
+00:27:08,730 --> 00:27:13,650
+يعني أقود وإنما يعني هي تصدرها إذا ما توفرت شروط
+
+245
+00:27:13,650 --> 00:27:22,130
+معينة تصدرها الجهة المصدرة بعد توفر شروط معينة طيب
+
+246
+00:27:22,130 --> 00:27:30,470
+الآن ننتقل إلى أنواع براءة الاختراع أنواع براءة
+
+247
+00:27:30,470 --> 00:27:39,900
+الاختراع يمكناحنا و نحن نتحدث عن حق
+
+248
+00:27:39,900 --> 00:27:46,900
+التأليفتطرخنا إلى أن ثمة صور لحق التأليف وليس
+
+249
+00:27:46,900 --> 00:27:53,040
+المقصود أو لكي يكون المؤلف يثبت فيه حق للمؤلف أن
+
+250
+00:27:53,040 --> 00:27:58,800
+يكون لم يسبق إليه البتة بل قلنا إنه ممكن يكون شرح
+
+251
+00:27:58,800 --> 00:28:04,040
+لمؤلف لمؤلف سابق أو مختصر مش هي اللي قلنا أو
+
+252
+00:28:04,040 --> 00:28:08,760
+تعليقات أو توضيحات حتى الترجمة أو تبرط حق التأليف
+
+253
+00:28:09,660 --> 00:28:16,140
+لأن فيها إبداع فهناك صور متعددة لحقوق التأليف أو
+
+254
+00:28:16,140 --> 00:28:21,700
+للمؤلفات التي تثبت بها حقوقك كذلك الحال كذلك الحال
+
+255
+00:28:21,700 --> 00:28:27,400
+بالنسبة لبراءات الإختراع براءات الإختراع ليست
+
+256
+00:28:27,400 --> 00:28:34,760
+حصرية أو محصورة أو قاسرة على المخترع الذي يقدم
+
+257
+00:28:34,760 --> 00:28:42,790
+للبشرية أو يكتشف شيء غير مسبوقوإنما يمكن أن يكون
+
+258
+00:28:42,790 --> 00:28:47,590
+أو تثبت براءة الإختراع لمن قدم طبعا على رأسها أو
+
+259
+00:28:47,590 --> 00:28:52,650
+لا، من قدم شيء للبشرية غير مسبوق هذا يستحق براءة
+
+260
+00:28:52,650 --> 00:29:00,010
+بكل معنى الكلمة، لكن من قرى بعد ذلك بتطوير،
+
+261
+00:29:00,010 --> 00:29:08,060
+بإضافة، بشيء من الانتفاعأيضًا يعتبر صاحب براءة
+
+262
+00:29:08,060 --> 00:29:14,920
+اختراع ولكن بالقدر الذي قدم فيه وبالقدر الذي أضافه
+
+263
+00:29:14,920 --> 00:29:20,180
+وأنجزه وعلى ذلك يعني قُسمت أو براءات الاختراع إلى
+
+264
+00:29:20,180 --> 00:29:27,380
+أقسام أو وجدت صور متعددة لبراءة الإختراع على رأسها
+
+265
+00:29:27,380 --> 00:29:33,600
+ما يسمى بالبراءة الكاملة أو الكبرىاللي هي تلك
+
+266
+00:29:33,600 --> 00:29:37,620
+المباراعة اللي احنا اشرنا اليها .. اول ما اشرنا
+
+267
+00:29:37,620 --> 00:29:46,020
+اليها تلك المباراعة اللتي لم يسبق لأحد غير
+
+268
+00:29:46,020 --> 00:29:52,590
+هذا المخترع ان اكتشفهافهذا يستحق البراءة الكبرى أو
+
+269
+00:29:52,590 --> 00:29:59,650
+البراءة الكاملة كل الحقوق دون مشاركة أحد فيها، أول
+
+270
+00:29:59,650 --> 00:30:02,890
+من أوجد الكهربا، أول من أوجد التليفون، أول من ما
+
+271
+00:30:02,890 --> 00:30:08,340
+اكتشف التلفزيون، هؤلاء أصحاب براءات كاملةتثبت لهم
+
+272
+00:30:08,340 --> 00:30:15,140
+وهذه أرقى و أعلى و أجلى صورة من صور ال .. ال .. ال
+
+273
+00:30:15,140 --> 00:30:18,580
+.. الابتكارات المتعلقة ببراءة الاختراع لكن هل
+
+274
+00:30:18,580 --> 00:30:23,900
+تقتصروا عليها؟ لا احنا قولنا يعني زمان و بنأكد ان
+
+275
+00:30:23,900 --> 00:30:28,760
+هذه الإبداعات او هذه البراءات الحق الكاملة بدأت
+
+276
+00:30:29,260 --> 00:30:35,920
+بمستوى معين بقدر معين ثم أضيفت عليها تطويرات كثيرة
+
+277
+00:30:35,920 --> 00:30:40,540
+من قبل آخرين غير المؤلف المؤلف أو أسف المختار
+
+278
+00:30:40,540 --> 00:30:47,780
+الأول ربما قدم ما قدم ثم توقف أو ماتثم جاء من بعده
+
+279
+00:30:47,780 --> 00:30:55,300
+من العلماء والمكتشفين فطوروا وربما طوروا بما فيه
+
+280
+00:30:55,300 --> 00:31:04,000
+منافع ربما أكثر من أصل المخترع نفسه فهل نقول بمنع
+
+281
+00:31:04,000 --> 00:31:10,280
+حق هؤلاء بالطبع لا إذا البراءة الحق الكاملة أولا
+
+282
+00:31:10,280 --> 00:31:17,570
+ثانيا براءة الإضافة والتحسينبراءة الإضافة أو
+
+283
+00:31:17,570 --> 00:31:24,590
+التحسين اللي هي يعني بتكون في أصل البراءة موجودة
+
+284
+00:31:24,590 --> 00:31:31,630
+أو أصل المخترع أو المكتشفموجود لكن جاء آخرون
+
+285
+00:31:31,630 --> 00:31:39,110
+فحسنوا وأضافوا وجودوا ووسعوا بحيث ازدادت إمكانية
+
+286
+00:31:39,110 --> 00:31:45,450
+الانتفاع بحيث يعني تجودت إمكانية الانتفاع بحيث
+
+287
+00:31:45,450 --> 00:31:49,890
+صارت الختمات المتاحة
+
+288
+00:31:49,890 --> 00:31:55,890
+من هذا المكتشف يعني تعطي أشياء أدق وإلى غير ذلك في
+
+289
+00:31:55,890 --> 00:32:01,760
+هذه الحالة هذا أيضا يعتبرمن باب براءة الاختراع لكن
+
+290
+00:32:01,760 --> 00:32:05,680
+بالطبع مابناش ننسى كل أنواع هذه الاختراعات أو هذه
+
+291
+00:32:05,680 --> 00:32:11,780
+البراءات كلها لازم تمر بهذه الشروط و هذه العملية
+
+292
+00:32:11,780 --> 00:32:17,000
+لكي تثبت البراءةبراءة كاملة، براءة إضافة وغيرها
+
+293
+00:32:17,000 --> 00:32:23,980
+لابد أن تمر بهذه الحالات إذا البراءة الإضافة
+
+294
+00:32:23,980 --> 00:32:30,440
+الصغرى، آسف، البراءة الإضافة أو التحسين في نوع آخر
+
+295
+00:32:30,440 --> 00:32:37,740
+يسمى ببراءة الإختراع الصغرى أو شهادات المنفعة
+
+296
+00:32:37,740 --> 00:32:45,460
+براءة الإختراع الصغرى أو شهادات المنفعةيعني حقيقة
+
+297
+00:32:45,460 --> 00:32:53,560
+هذا النوع له أمثلة متعددة له أمثلة متعددة بعض
+
+298
+00:32:53,560 --> 00:32:59,040
+العلماء اعتبر يعني دمج هذا النوع في النوع السابق
+
+299
+00:32:59,040 --> 00:33:05,820
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+يعني .. لكن هي مش إبداعلكن هي ايه؟ خلّيني اقول
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+أصبح له قدراتفي الخدمة في هذا المجال وبشهادة
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+المختصين وبعد اجتيازه لكل الأسباب ولكل الشروط
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+صغرى أخيرا براءة الاستيراد
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+براءة الاستيراد وهذه البراءة أيها الأخوة الكرام
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+الصين أو من خلال تواصلات، اشتريت الخدمة هذه،
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+بلاديلينتفق بيها الناس من خلال بدالة أموال هنا
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+المخترع يعني مثلا حمامات شمسية مثلا مثلا وصلت ل ..
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+يعني من أول من أوصلها أبوك ولا أخوك ولا المهم فهذا
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+في هذه الحالة يا اخوة تُعطى او يُعطى هذا المستورد
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+يكون هناك نوع من الاحتكار وبالتالي بترخص الشغلة
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+ويعني بيصير في ارتياح لدى .. لكن انا يعني تخصيصي
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+والله هو اتشاطر وهو اول ما ادخل ونفع البلد وغير من
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+اول من دخل البوابير هو اول شفتوا في فترة الحصار
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+ايش دخلت اشياء ربما لم تكن معودة لدينا من قبل بغض
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+النظرهذا اذا كان فعلا فيها جدة و اول من ادخلها
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+فهذه تسمى براءات الاختراع وحتى يا اخوة بالمناسبة
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+المدة الزمنية حتى بالنسبة لبراءات الاختراع الاخرى
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+الفلاتة السابقة ايضا هناك مدة زمنيةأيضًا حتى
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+العالم الذي اخترع اختراعًا كاملًا أو إلى غير ذلك
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+تُعطى له مدة زمنية أو الذي أضاف تُعطى له مدة زمنية
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+ملكًا للدولة بحيث تستفاد منه وهذا الذي نلمسه وهذا
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+الذي يعني نراه
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+طبيعي جدا، احنا شفنا مش بس رأي الجمهور، بل احنا
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+أكدنا ان اتفاق علماء المسلمين على ان يأخذ كل ذي حق
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+حقهواتفاق علماء المسلمين على أن من سبق إلى شيء هو
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+أحق بالانتفاع به واتفاق علماء المسلمين على عدم
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+واتفاق علماء المسلمين على أن كل إنسان مسئول وهذا
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+إنسان أي الذي يبتكر أو يحقق شيء على صعيبه منفع
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+التي تعتمد المصالح في تقرير الأحكامالمصالح أيها
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+هؤلاء على الإبتكارات والتقنيات وإلى غير ذلك بل إنه
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+من الظلم في المقابل ومن غمض الناس لحقوقهمأن لا
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+يأخذ هؤلاء المكتشفون وأن يمنعوا من الاستفادة من
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+عقولهم من مبتكراتهم ولذلك يا أخوة جاءت قرارات مجمع
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+الفقه الإسلامي تؤكدوا على أن البراءات الاختراع
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+شأنها شأن حقوق التأليف من حيث إيه؟ من حيث جواز
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+الانتفاع والتصرف حقوق التأليف، نص الكلام، حقوق
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+التأليف، والاختراع أو الابتكار مصونة شرعا
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+وليأصخابها حق التصرف فيها ولا يجوزوا لا تداؤوا
+
+389
+00:42:27,510 --> 00:42:33,600
+عليهاالمرة القادمة حق الاسم التجاري شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/7wpYkL7K1tw_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/7wpYkL7K1tw_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..d285b0ac06d1b044437e341b78fef02f6dec9ae5
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/7wpYkL7K1tw_raw.json
@@ -0,0 +1 @@
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\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/7wpYkL7K1tw_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/7wpYkL7K1tw_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..ad71e0110799bd1a2854bfc0b5664963d8e0337c
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/7wpYkL7K1tw_raw.srt
@@ -0,0 +1,1556 @@
+1
+00:00:21,330 --> 00:00:24,690
+الحمد لله والصلاة والسلام على رسول الله وعلى آله
+
+2
+00:00:24,690 --> 00:00:29,590
+وصحبه ومن اقتدى بهديه واستنى بصناته الى يوم الدين
+
+3
+00:00:29,590 --> 00:00:35,330
+اللهم اننا نسألك الهدى والتقى والعفافة والغنى وان
+
+4
+00:00:35,330 --> 00:00:40,410
+تعلمنا ما ينفعنا وان تنفعنا بما علمتنا وان تسدد
+
+5
+00:00:40,410 --> 00:00:42,330
+على الحق خطانا يا رب العالمين
+
+6
+00:00:46,030 --> 00:00:51,130
+وبعد اليوم نتحدث بإذن الله سبحانه وتعالى عن صورة
+
+7
+00:00:51,130 --> 00:00:56,730
+أخرى من صور حقوق الإبتكار أو الحقوق المعنوية التي
+
+8
+00:00:56,730 --> 00:01:05,390
+يمكن أن يُأخذ بدلا ماليا عنها أو لا يُأخذ وصورة
+
+9
+00:01:05,390 --> 00:01:11,990
+اليوم تحت عنوان حق براءة الإختراع أو براءة
+
+10
+00:01:11,990 --> 00:01:19,910
+الإختراعربما أيها الأخوة الكرام يعني لا يجهل أحد
+
+11
+00:01:19,910 --> 00:01:27,710
+منا ما المقصود عموما ببراءة الاختراع أصبحنا في عصر
+
+12
+00:01:27,710 --> 00:01:33,630
+اليوم كثرت فيه براءات الاختراع كثرت فيه التطورات
+
+13
+00:01:33,630 --> 00:01:40,730
+التقنية والإبداعات والابتكارات العلمية بل تزاحبت
+
+14
+00:01:40,730 --> 00:01:48,440
+وأصبحنا كل يومبل ربما كل ساعة يعني نفتح أذاننا
+
+15
+00:01:48,440 --> 00:01:55,960
+وأعيننا على براءات و مبتكرات واختراعات علمية جديدة
+
+16
+00:01:55,960 --> 00:02:02,080
+وفي مختلف الأصعدة في سواء على في مجال الإلكترونيات
+
+17
+00:02:02,080 --> 00:02:06,920
+في مجال الأجهزة الطبية في مجال الأجهزة الزراعية في
+
+18
+00:02:06,920 --> 00:02:10,620
+مجال الأجهزة الهندسية والصناعية في كل المجالات كل
+
+19
+00:02:10,620 --> 00:02:17,760
+يومهناك تطوير هناك بداعات جديدة في مختلف الصناعات
+
+20
+00:02:17,760 --> 00:02:23,060
+وعصرنا حقيقة يعني اليوم هو عصر الابتكارات هو هنا
+
+21
+00:02:23,060 --> 00:02:28,600
+يوجد ان صح التعبير لدينا ثورة في البراءات الاختراع
+
+22
+00:02:28,600 --> 00:02:36,420
+خاصة في الدول المتقدمة وحتى في غير الدول المتقدمة
+
+23
+00:02:39,550 --> 00:02:45,730
+ماذا عن طبيعة هذه البراءات؟ ما هي حقيقتها؟ ما هي
+
+24
+00:02:45,730 --> 00:02:51,250
+أنواعها؟ ما موقف هذا الذي يهمنا بدرجة الأساسية؟ ما
+
+25
+00:02:51,250 --> 00:02:58,450
+موقف الشريعة الإسلامية؟من براءات الاختراع من حيث
+
+26
+00:02:58,450 --> 00:03:05,270
+حق المخترع أو صاحب البراءة في أن يأخذ بدلا ماليا
+
+27
+00:03:05,270 --> 00:03:09,390
+عن اختراعه او عن إبداعه هذا
+
+28
+00:03:14,300 --> 00:03:20,960
+في البداية يعني كما تعودنا نتحدث عن المقصود
+
+29
+00:03:20,960 --> 00:03:28,040
+بالبراءة ببراءة الاختراع لغة واصطلاحا تلاحظون أن
+
+30
+00:03:28,040 --> 00:03:33,360
+براءة الاختراع مكونة من كلمتين فهي مركب يعني كما
+
+31
+00:03:33,360 --> 00:03:43,540
+يقولون إضافيهذا المُركّب أصبح لقبًا يدل على معنى
+
+32
+00:03:43,540 --> 00:03:49,180
+معينًا براءة الإختراع مع بعضها أصبحت اسمًا أصبحت
+
+33
+00:03:49,180 --> 00:03:55,080
+لقبًا أصبحت وصفًا يدل على معنى خاصًا لكن إذا ما
+
+34
+00:03:55,080 --> 00:04:02,440
+حاولنا أن نحلل هذا الاسم أو هذا المُركّب بالفعل
+
+35
+00:04:02,440 --> 00:04:12,850
+نجده مكوّن منمن كلمتين البراقة والاختراع والحقيقة
+
+36
+00:04:12,850 --> 00:04:18,150
+أن البراقة والاختراع بينهم متقارب شديد جدا يعني
+
+37
+00:04:18,150 --> 00:04:23,210
+كلمة البراقة يعني تطلق على أكثر من معنى ولا على
+
+38
+00:04:23,210 --> 00:04:34,890
+معاني متقاربة من الفئة من المصدرين ربما تعود يعني
+
+39
+00:04:34,890 --> 00:04:36,850
+براقة و بارقة
+
+40
+00:04:40,020 --> 00:04:48,660
+بمعنى خلق و أبدع برأ الحبّة و النسمة الله عز وجل
+
+41
+00:04:48,660 --> 00:04:54,360
+هو الخالق هو الخالق و لذلك من أسماء الله البارئ و
+
+42
+00:04:54,360 --> 00:05:00,700
+لا لا يعني الخالق ففيها
+
+43
+00:05:00,700 --> 00:05:05,160
+معنى الخلق
+
+44
+00:05:06,900 --> 00:05:13,060
+والسبق لأنه عندما تخلق شيئا بالطبع انه يعني انك
+
+45
+00:05:13,060 --> 00:05:17,560
+غير مسبق فيه يعني فيها معنى ده الخلق و السبق بحيث
+
+46
+00:05:17,560 --> 00:05:21,420
+لم يعني .. لما انت .. لما انت تقول ولا هذا مخلوق
+
+47
+00:05:21,420 --> 00:05:29,040
+جديد يعني فواضح انه ليس له نظير او ليس لهم شبيه
+
+48
+00:05:29,040 --> 00:05:35,960
+وتأتي من برقةبمعنى .. المعنى نعرفه نحن بمعنى شفية
+
+49
+00:05:35,960 --> 00:05:43,840
+نقول بريء المريض من مرضه بمعنى شفية أو يعني تخلصه
+
+50
+00:05:43,840 --> 00:05:51,980
+من مرضه ففيها معنى الشفاء معنى التخليالتخلص فيها
+
+51
+00:05:51,980 --> 00:05:58,500
+كل هذه يعني المعاني واستجاهل جدا أن مجموعة هذه
+
+52
+00:05:58,500 --> 00:06:03,900
+المعاني ربما يكون لها علاقة بالمصطلح الجديد الذي
+
+53
+00:06:03,900 --> 00:06:06,380
+تكون منه كلمة براية للاختراع
+
+54
+00:06:12,920 --> 00:06:19,700
+فمن الفعل خرع أو خريعة بمعنى شق الشيء خرع الشيء
+
+55
+00:06:19,700 --> 00:06:27,860
+بمعنى شقه وشقه عادة يا اخوة ما يكون مقصودا منه
+
+56
+00:06:27,860 --> 00:06:33,340
+البحث عن شيء الشق يعني واحد يقول ما العلاقة بين
+
+57
+00:06:33,340 --> 00:06:41,300
+الشق والإبداععادة الشق يعني أنت عندما تكسر الحبة،
+
+58
+00:06:41,300 --> 00:06:46,280
+أي حبة، إنما تقصده أن تأخذ منها البذرة مثلا أو إلى
+
+59
+00:06:46,280 --> 00:06:52,350
+غير ذلك، حبة اللوز بتكسرهالتأخذ منها شيئا معينا
+
+60
+00:06:52,350 --> 00:07:01,090
+تشق .. الطبيب يشق بطن المريض ليعالجه لمقصود معين
+
+61
+00:07:01,090 --> 00:07:08,390
+فالشق عادة يكون مقصودا منه شيئا أخر يعني معالجة
+
+62
+00:07:08,390 --> 00:07:13,370
+معينة إبداع معينة الوصول إلى شيء الوصول إلى شيء
+
+63
+00:07:13,370 --> 00:07:22,390
+معين ويرحميعني بالفعل بين الاختراع والبراءة تقارب
+
+64
+00:07:22,390 --> 00:07:25,190
+في المعنى، البراءة إبداع وخلق
+
+65
+00:07:28,420 --> 00:07:31,740
+كلمة ال .. ال .. ال .. لو قلنا من ال .. البراة
+
+66
+00:07:31,740 --> 00:07:36,160
+بمعنى من الأصل بالفعل، برقة إيه علاقة؟ لأن برقة
+
+67
+00:07:36,160 --> 00:07:42,380
+اللي هي بمعنى شافية وكأنه تخل .. وكأن المرض تعد
+
+68
+00:07:42,380 --> 00:07:50,400
+عنه، أه؟ وتخلى عن المرض، وصار هناك يعني فاصلة بينه
+
+69
+00:07:50,400 --> 00:07:57,910
+وبينهوانت و المبدع انما ينتج شيئا جديدا كان في
+
+70
+00:07:57,910 --> 00:08:04,890
+نفسه فاخرجه الى الواقع ليستفيد منه الناس و هكذا
+
+71
+00:08:04,890 --> 00:08:08,770
+ربما فاخترت
+
+72
+00:08:08,770 --> 00:08:17,740
+هتين الكلمتين لتعبران عن ذلكم الإبداعاتالتقنية
+
+73
+00:08:17,740 --> 00:08:26,480
+التي يتوصل اليها المبتكرون والمبدعون في خدمة
+
+74
+00:08:26,480 --> 00:08:32,860
+البشرية قبل ان يسبقهم اليها احد اذا هذا بالنسبة
+
+75
+00:08:32,860 --> 00:08:39,220
+لبراءة الاختراع لغة
+
+76
+00:08:39,220 --> 00:08:45,580
+اما من حيث براءة الاختراع في الاصطلاح
+
+77
+00:08:47,780 --> 00:08:53,480
+يعني دعني أقول قبل أن أورد التعريف المذكور أو
+
+78
+00:08:53,480 --> 00:08:59,040
+التعريفات التي ذكرها المختصون في .. لبراءة
+
+79
+00:08:59,040 --> 00:09:07,520
+الاختراع يعني دعنا نفرق .. دعونا نفرق بين براءة
+
+80
+00:09:07,520 --> 00:09:13,120
+الاختراع التي
+
+81
+00:09:13,120 --> 00:09:16,700
+تترتب عليها الحقوق
+
+82
+00:09:19,050 --> 00:09:26,910
+وتصبحوا حقا للصاحبها وبين براقة الإختراع بشكل عام
+
+83
+00:09:26,910 --> 00:09:35,050
+براقة الإختراع يا إخوة بشكل عام دعنا نقول هي ما
+
+84
+00:09:35,050 --> 00:09:46,950
+ينتجه أو ما يبتكره ما يبدعه الإنسان من
+
+85
+00:09:46,950 --> 00:09:48,250
+منتج
+
+86
+00:09:50,340 --> 00:09:58,360
+يعودوا على البشرية بالمنفعة دون أن يُسبق إليه، أي
+
+87
+00:09:58,360 --> 00:10:04,160
+واحد بيقدّم للبشرية منتجلم يسبق اليه يسمى هذا
+
+88
+00:10:04,160 --> 00:10:10,060
+المنتج الجديد براقة براقة اختراع براقة عموما يعني
+
+89
+00:10:10,060 --> 00:10:15,720
+احنا واحد الطلاب بين بعض او الهيئة التدريسية او اي
+
+90
+00:10:15,720 --> 00:10:20,680
+فئة علمية بين بعض لما واحد يكون توصل لشيء جديد
+
+91
+00:10:20,680 --> 00:10:24,720
+بيقولوله انت عملت براقة اختراع لكن هذا بشكل عام
+
+92
+00:10:24,720 --> 00:10:29,720
+لكن براقة الاختراع المؤتمدة
+
+93
+00:10:31,600 --> 00:10:37,780
+براءة الإختراع التي تسمى ويعترف بها كبراءة اختراع
+
+94
+00:10:37,780 --> 00:10:44,900
+يختلف معناها لأن مش كل واحد توصل إلى شيء ثم تركه
+
+95
+00:10:44,900 --> 00:10:50,180
+دون أن يفعله ودون أن يطبقه ودون أن يسمح بالاستفادة
+
+96
+00:10:50,180 --> 00:10:59,060
+منه يصبح يعني مالكا لبراءة اختراع ربما
+
+97
+00:10:59,060 --> 00:11:00,660
+تضيع هذه البراءة عنه
+
+98
+00:11:03,570 --> 00:11:09,810
+براءة الاختراع لا تعتمد، لا يعني تترتب عليها
+
+99
+00:11:09,810 --> 00:11:13,590
+حقوقها يعني ده ان انا اقولها بشروط لعلنا نتحدث
+
+100
+00:11:13,590 --> 00:11:23,270
+فيها يعني بعد قليل، لكن هذه هي البراءة التيإذا طلب
+
+101
+00:11:23,270 --> 00:11:31,450
+تعريفها يعني عُرفت بناء على هذا القصد البراعة
+
+102
+00:11:31,450 --> 00:11:36,770
+المعتمدة يا إخوة وليس البراعة بمعنى ذات المخترع،
+
+103
+00:11:36,770 --> 00:11:43,640
+ذات المخترع ممكن أنه ينال صاحبهمبرائة اختراع واحد
+
+104
+00:11:43,640 --> 00:11:47,880
+فعلا يخترع شيء او يتوصل الى شيء لكن لا يقوم
+
+105
+00:11:47,880 --> 00:11:52,780
+بالاجراءات التي تمنحه براية الاختراع لا يطالب
+
+106
+00:11:52,780 --> 00:11:59,040
+فيأتي شخص اخر ربما بعد ذلك ربما يأخذ هذا الحق
+
+107
+00:11:59,040 --> 00:12:04,720
+بطريقة او باخرى او يختلص هذا الحق منه ويصبح حقا
+
+108
+00:12:04,720 --> 00:12:05,000
+لهم
+
+109
+00:12:08,240 --> 00:12:13,260
+براءة الإختراع يا إخوة إذا ما أردنا أن نعرفها أو
+
+110
+00:12:13,260 --> 00:12:19,860
+بحسب ما أعرفها المختصون أعرفوها بأنها سند راحظوا
+
+111
+00:12:19,860 --> 00:12:26,680
+سند رسمي خليني أكتب التعريف لأن في بعض الشغل براقة
+
+112
+00:12:26,680 --> 00:12:33,460
+الإختراع تعرف بأنها سند رسمي
+
+113
+00:12:35,910 --> 00:12:44,730
+سند رسمي أو شهادة ماشي سند رسمي عام تمنحه سلطة
+
+114
+00:12:44,730 --> 00:12:54,370
+تمنحه سلطة إدارية مختصة
+
+115
+00:12:54,370 --> 00:13:05,570
+لمن يطلبه شفتوا كيف؟ بشروطبشروط طبعا يعني شكلية
+
+116
+00:13:05,570 --> 00:13:09,450
+وموضوعية
+
+117
+00:13:09,450 --> 00:13:15,390
+معينة لو احنا وقفنا عن شروط مش الحال يعني الشروط
+
+118
+00:13:15,390 --> 00:13:22,600
+منها شكلية ومنها موضوعية اذا سند رسمي عامتمنحه
+
+119
+00:13:22,600 --> 00:13:28,460
+سلطة إدارية مختصة لمن يطلبه بشروط بشروط، شكلية أو
+
+120
+00:13:28,460 --> 00:13:33,500
+موضوعية، إذا ليس المقصود من البراعة في المصطلح
+
+121
+00:13:34,590 --> 00:13:39,030
+والبراءة التي تترتب عليها الحقوق والبراءة التي
+
+122
+00:13:39,030 --> 00:13:48,230
+يطالب أصحابها بثمرة جهدهم هي مجرد
+
+123
+00:13:48,230 --> 00:13:53,430
+اختراع، ليس بمجرد أن الإنسان توصل إلى شيء يثبت
+
+124
+00:13:53,430 --> 00:14:01,090
+حقه، لألابد من عمل أخر، لابد من إجراءات أخرى لكي
+
+125
+00:14:01,090 --> 00:14:06,950
+تثبت لك هذه البراءة وتترتب عليها حقوقها، وكان
+
+126
+00:14:06,950 --> 00:14:16,280
+بالخطوة الأولى تقديم طلبوإن كان هذا مؤخرا لكن هو
+
+127
+00:14:16,280 --> 00:14:24,760
+مقدم يعني من حيث المفهوم ضمن ان تذهب تبحث عن الجهة
+
+128
+00:14:24,760 --> 00:14:32,940
+التي تضمن لك هذا الحق وتثبت لك في القوائم او في
+
+129
+00:14:32,940 --> 00:14:42,310
+السجلات الرسمية تضمن لك هذا الحق بدك تتحرك اهإذا
+
+130
+00:14:42,310 --> 00:14:49,190
+فتقدم طالبا ل الجهات المختصة و بالمناسبة يا إخوات
+
+131
+00:14:49,190 --> 00:14:56,350
+هناك جهات عديدة منها داخلية في داخل الدولة داخل
+
+132
+00:14:56,350 --> 00:15:02,550
+الدولة نفسها جهة حكومية أو هناك جهات دولية يعني
+
+133
+00:15:02,550 --> 00:15:09,490
+منظمات أو مؤسسات يعني وجدت لمنح
+
+134
+00:15:10,520 --> 00:15:16,800
+هذه الشهادات لأصحاب الحقوق ومن ثم متابعة حماية هذه
+
+135
+00:15:16,800 --> 00:15:21,420
+الحقوق يعني ممكن الدولة نفسها تقوم بهذا من خلال
+
+136
+00:15:21,420 --> 00:15:26,700
+مؤسسات خاصة او مؤسسات دولية عامة موجودة في داخل
+
+137
+00:15:26,700 --> 00:15:30,200
+البلد او في خارج البلد المهم هذه الجهات كلها بيكون
+
+138
+00:15:30,200 --> 00:15:34,400
+معترف فيها جهات رسمية وتعطي هذا الحق ومتداول
+
+139
+00:15:34,400 --> 00:15:43,670
+ومعترف فيها بين دول العالم اذا تقديم طلبثم طبعا
+
+140
+00:15:43,670 --> 00:15:48,910
+بعد تقديم الطلب لنظر هذا الطلب يتضمن طبيعة
+
+141
+00:15:48,910 --> 00:15:57,230
+الاختراعومدى تقديم النفة وإمكانية النفة، ليس كل من
+
+142
+00:15:57,230 --> 00:16:03,630
+قدم طلبا أو ظن أنه اخترع شيئا أو قدم شيئا على طول
+
+143
+00:16:03,630 --> 00:16:08,090
+احنا هنمنحه، لأ، يمكن سبق كده، دي شوفوا الميزة هنا
+
+144
+00:16:08,090 --> 00:16:13,820
+في تقديم الطلب ومن ثم منح أو عدم منحالشهادة أو
+
+145
+00:16:13,820 --> 00:16:20,560
+السند في أن هذه الجهات أولا الأصل أن تتواصل فيما
+
+146
+00:16:20,560 --> 00:16:26,520
+بينها التي تمنح ويُعرف
+
+147
+00:16:27,810 --> 00:16:31,710
+كل مخترع
+
+148
+00:16:31,710 --> 00:16:37,190
+وكل إبداع مسجل فأول أول خطوة إذا كان هذا الذي
+
+149
+00:16:37,190 --> 00:16:42,390
+تقدمت بطلبي حق براية الإختراع فيه إذا كان قد سبقك
+
+150
+00:16:42,390 --> 00:16:49,690
+إليه أحد خلاص لم يعد هناك لك حق في ذلك أي أول واحد
+
+151
+00:16:49,690 --> 00:16:57,460
+حد اتنين لو لم يسبقك إليه أحدبرضه ليس معناه ذلك
+
+152
+00:16:57,460 --> 00:17:04,700
+انه خلاص هتاخد البراءة، ننظر في إمكانية الانتفاع،
+
+153
+00:17:04,700 --> 00:17:12,000
+مش مجرد أمر نظري و .. و .. و .. و .. و .. افتراضي،
+
+154
+00:17:12,000 --> 00:17:19,110
+لأفيه بدى يكون فيه ممكن الانتفاع بيه ممكن سواء على
+
+155
+00:17:19,110 --> 00:17:24,170
+صعيد الخدمات الصناعية
+
+156
+00:17:24,170 --> 00:17:28,850
+أو كما قلنا الطبية الزراعية ممكن يعني وفي أشياء
+
+157
+00:17:28,850 --> 00:17:34,310
+واقعية تثبتها وربما يرسل إليك مختصون يناقشونك في
+
+158
+00:17:34,310 --> 00:17:41,280
+هذا الأمر وإلى غير ذلك فالأمر يعنيثم انه سجل بعد
+
+159
+00:17:41,280 --> 00:17:50,600
+ذلك لك هذا الحق، اذا يعني طلب تمنحه سلطة خاصة
+
+160
+00:17:50,600 --> 00:17:55,520
+مختصة كما قلت من قبل الدولة او مؤسسة دولية معترف
+
+161
+00:17:55,520 --> 00:18:03,320
+بها، بشروط التي ذكرناها، ما لا يسبقك اليها احدأن
+
+162
+00:18:03,320 --> 00:18:08,780
+يكون فيها منفعة وخدمة تعود على البشرية وتلاحظ
+
+163
+00:18:08,780 --> 00:18:12,760
+وتلمس أثرها
+
+164
+00:18:12,760 --> 00:18:18,760
+فبدون هيك ما تسمى براءة اختراع فليس كل من اكتشف
+
+165
+00:18:18,760 --> 00:18:22,420
+شيء عنده ضرورة أن تثبت له براءة الاختراع انما تثبت
+
+166
+00:18:22,420 --> 00:18:29,640
+براءة الاختراع لمن قام بعدد إجراءات والتزامة بعدد
+
+167
+00:18:29,640 --> 00:18:37,780
+شروطاذا هي سلطة او هي سند رسمى عام تمنحه سلطة
+
+168
+00:18:37,780 --> 00:18:43,900
+إدارية مختصة لمن يطلبه بشروط شكلية او طبعا اذا ما
+
+169
+00:18:45,630 --> 00:18:52,130
+ثبتت براءة الإختراع إذا ما ثبتت براءة الإختراع بعد
+
+170
+00:18:52,130 --> 00:18:57,330
+تحقق هذه الشروط الشغلية والموضوعية يعني الإجراءات
+
+171
+00:18:57,330 --> 00:19:06,870
+والاشتراطات التي ذُكرت تترتب الحقوق المعروفة أولا
+
+172
+00:19:06,870 --> 00:19:12,550
+النسبة تحفظ نسبة هذا المخترع لك زي المؤلف أول شيء
+
+173
+00:19:12,550 --> 00:19:20,720
+ثانيايحفظوا لك او تحمى من الاعتداء تاخد حق لحماية
+
+174
+00:19:20,720 --> 00:19:27,100
+من الاعتداء على لو اجي بعدين واحد جدا طلب تاني او
+
+175
+00:19:27,100 --> 00:19:31,140
+ماجددا مش شوف واحد في منطقة تانية بيشتغل هالشغلة
+
+176
+00:19:31,140 --> 00:19:34,780
+بناء على هذا الاختراع من كل استثناء كيف انت ماخدت
+
+177
+00:19:34,780 --> 00:19:40,860
+اذن؟ لأ ماخدتش او انا اللي اخترعته لا يا عم في ناس
+
+178
+00:19:40,860 --> 00:19:51,950
+بجوك الى ذلكحق الحماية ثالثا حق التصرف والانتفاع
+
+179
+00:19:51,950 --> 00:19:58,150
+حق النسبة حق الحماية حق الانتفاع والتصرف ثلاث
+
+180
+00:19:58,150 --> 00:20:05,780
+أشياء تترتب إذا ثابتتلكن في ناس ربما يعني فعلا
+
+181
+00:20:05,780 --> 00:20:09,800
+عالم لكن ما .. ماانتبهش لهذه الشغلات، لا تفوت نهو
+
+182
+00:20:09,800 --> 00:20:14,980
+هذه الحقوق، كأني بالمقولة القانون لا يحمل مغفلين،
+
+183
+00:20:14,980 --> 00:20:19,480
+ممكن واحد ياخدها منه و هو ينال هذه الحقوق و هو
+
+184
+00:20:19,480 --> 00:20:27,940
+بالع، هو عالم لكن أهبللأ احنا بدنا عامل عالم يكون
+
+185
+00:20:27,940 --> 00:20:33,400
+برضه يحافظ على حقوقه ويثبتها ويعرف ما يدور حوله
+
+186
+00:20:33,400 --> 00:20:39,340
+وكيف تثبت الحقوق وكيف ينتزع هذه الحقوق وكيف يحارب
+
+187
+00:20:39,340 --> 00:20:47,120
+عليها، فيعني لا بأسة في ذلكهذا .. هذا بالنسبة ل ..
+
+188
+00:20:47,120 --> 00:20:52,940
+و لذلك يا إخوة يعني كما ذكرته يعني التعريفات
+
+189
+00:20:52,940 --> 00:20:56,520
+البراءة كلها تدور حول هذا المعنى، هذا تعريف تعريف
+
+190
+00:20:56,520 --> 00:21:01,500
+آخر لأنها مثلا وثيقة، يعني هي تعريف آخر، سند أو
+
+191
+00:21:01,500 --> 00:21:07,520
+وثيقة أو شهادة زي ما حكيته وثيقة تمنح من طرف أو من
+
+192
+00:21:07,520 --> 00:21:14,310
+طرف دائرة رسمية، يعني نفس الكلامسند رسمي عام تمنحه
+
+193
+00:21:14,310 --> 00:21:18,290
+سلطة إدارية نفس التعبير كلمات مختلفة لكن المعنى
+
+194
+00:21:18,290 --> 00:21:25,630
+واحد وثيقة تمنح من طرف دائرة رسمية أو من مكتب عامل
+
+195
+00:21:25,630 --> 00:21:30,330
+باسم مجموع من الأقطار إشارة إلى تنوع الجهات التي
+
+196
+00:21:30,330 --> 00:21:37,590
+تمنح هذه الشهادات ممكن دولة الحكومة مؤسسة دولية
+
+197
+00:21:37,590 --> 00:21:44,960
+معترف بهابنان على طلب بذالك، الكل متفق، لازم انت
+
+198
+00:21:44,960 --> 00:21:51,100
+تقدم طلب، لازم تروح تبلغ عن مكتشفك، عن مخترعك،
+
+199
+00:21:51,100 --> 00:21:55,790
+عشان تثبت إيه لك احنا بقعد نجور على كل واحدمش
+
+200
+00:21:55,790 --> 00:22:01,930
+معقول، فإحنا اليوم في نوع من طغيان المادي، في نوع
+
+201
+00:22:01,930 --> 00:22:05,370
+من الاعتداءات الكثيرة، في نوع من التزويرات
+
+202
+00:22:05,370 --> 00:22:10,410
+والتزييفات اللي انتشرت، فالأصل أن يحاول أن يعني
+
+203
+00:22:10,410 --> 00:22:13,970
+يحافظ
+
+204
+00:22:13,970 --> 00:22:22,330
+كل إنسان على حقوقه بالطرق التي شرعتها أو قننتها
+
+205
+00:22:22,330 --> 00:22:31,250
+الحكومات والقوانينوالدساتيري طبعا و كما قلنا يترتب
+
+206
+00:22:31,250 --> 00:22:37,490
+على هذه الشهادة او منح او ثبوت هذه الشهادة لمن
+
+207
+00:22:37,490 --> 00:22:44,130
+منيحت له حق الاستخدام لهذا الاختراع والتصرف فيه
+
+208
+00:22:44,130 --> 00:22:54,170
+الحقيقة يا اخوةهذه البراءات وما يترتب عليها من
+
+209
+00:22:54,170 --> 00:23:01,870
+حقوق حمتها القوانين الحديثة حمتها بدليل انه او جذب
+
+210
+00:23:01,870 --> 00:23:10,450
+جهات رسمية تسجل فيها هذه البراءات من أجل حماية
+
+211
+00:23:10,450 --> 00:23:20,520
+أصحابها من الاعتداءاتومن أجل الاستفادة
+
+212
+00:23:20,520 --> 00:23:26,920
+على أعلى مستوى ومن أجل أن يأخذ كل ذي حق حقه
+
+213
+00:23:26,920 --> 00:23:34,820
+القوانين الوضعية الحديثة اعترفت بهذه الحقوق
+
+214
+00:23:34,820 --> 00:23:40,790
+واعترفت بما ذكرناه من آثار تترتبعلى ثبوت هذه
+
+215
+00:23:40,790 --> 00:23:46,310
+البراءة من حيث النسبة ومن حيث عدم الاعتداء ومن حيث
+
+216
+00:23:46,310 --> 00:23:50,290
+أخذ البدل المالي المتمثل في حق التصرف بيعا وشراعا
+
+217
+00:23:50,290 --> 00:23:56,090
+وتأجيرا وانتفاعا وإلى غير ذلك هذا يعني الكلام
+
+218
+00:23:56,090 --> 00:24:05,190
+ووجدت اتفاقيات عليه عند معظم دول العالم وصدرت فيه
+
+219
+00:24:05,190 --> 00:24:08,370
+قوانين واتفاقيات
+
+220
+00:24:09,460 --> 00:24:15,220
+لكن أنا قبل ما أنتقل إلى موقف الشريعة عوز أسأل ما
+
+221
+00:24:15,220 --> 00:24:24,400
+طبيعته حق براءة الاختراع بمعنى آخر أو السؤال قد لا
+
+222
+00:24:24,400 --> 00:24:33,340
+يكون واضحا لحد كبير ما .. هل حقه براءة الاختراع
+
+223
+00:24:33,340 --> 00:24:46,730
+عقد من العقود؟أم ما هو؟ ماذا يمكن أن نكيف حق كيف
+
+224
+00:24:46,730 --> 00:24:53,110
+يمكن أو بما يمكن أن نكيف حق براءة الإختراع أو بما
+
+225
+00:24:53,110 --> 00:24:59,030
+يمكن .. هل هو عقد من الأخون؟ بين طرفين؟ إذا ما هو؟
+
+226
+00:24:59,030 --> 00:25:10,070
+ترخيص أو منحق جميللا يفهمن أحد من التعريف أن في
+
+227
+00:25:10,070 --> 00:25:15,850
+طرف و في طرف .. طرف يعني .. يعني يعطي و طرف يأخذ
+
+228
+00:25:15,850 --> 00:25:21,760
+.. كسير العقدالبيع طرفين، الإيجار طرفين، طرف يأخذ
+
+229
+00:25:21,760 --> 00:25:26,460
+الثمن وطرف يأخذ السلعة أو ينتفع بالسلعة قد يتوهم
+
+230
+00:25:26,460 --> 00:25:31,960
+البعض أن براية الإختراع هي بمثابة اللي هي الشيادة
+
+231
+00:25:31,960 --> 00:25:36,420
+هذه اللي تتمنح هي بمثابة عقد، لأ هي ليست عقدة
+
+232
+00:25:36,420 --> 00:25:45,540
+وإنما هي منحةلأن العقد بيكون يعني حقيقة ثمن ومثمن
+
+233
+00:25:45,540 --> 00:25:51,340
+مقابل لكن هذه يعني منحة من جهة تقصد و لا تقصد و
+
+234
+00:25:51,340 --> 00:25:59,220
+أخذ شيء هو مقابل أخذ هذه الشهادة هل أخذ شيئا؟ لا
+
+235
+00:25:59,220 --> 00:26:07,180
+وإنما حقوق فضاء على الحقإذن هي شهادة من شأنها أو
+
+236
+00:26:07,180 --> 00:26:15,320
+تمنحه له من أجل المحافظة على حقوقه وليس من أجل أخذ
+
+237
+00:26:15,320 --> 00:26:21,960
+بدل، الجهاد لم تأخذ بدلا عن إثبات هذا الحقولكن هي
+
+238
+00:26:21,960 --> 00:26:30,720
+تعمل فهي جهة متبرع عن صح التعبير او جهة استعدت لكي
+
+239
+00:26:30,720 --> 00:26:36,900
+تقوم بهذا العمل طبعا مغطاء من حيث التكاليف ربما من
+
+240
+00:26:36,900 --> 00:26:44,460
+الدولة او من جهات هنا و هناك المهم ان عقد او ان حق
+
+241
+00:26:44,460 --> 00:26:56,220
+براءة الاختراع ليسليس عقدة كما قد يفسر وانما منح
+
+242
+00:26:56,220 --> 00:27:02,300
+تمنح إذا ما توفرت شروط معينة
+
+243
+00:27:04,470 --> 00:27:08,730
+زي كل الشهادات اللي بتصدرها المؤسسات الألمية ليست
+
+244
+00:27:08,730 --> 00:27:13,650
+يعني أقود وإنما يعني هي تصدرها إذا ما توفرت شروط
+
+245
+00:27:13,650 --> 00:27:22,130
+معينة تصدرها الجهة المصدرة بعد توفر شروط معينة طيب
+
+246
+00:27:22,130 --> 00:27:30,470
+الآن ننتقل إلى أنواع براءة الاختراع أنواع براءة
+
+247
+00:27:30,470 --> 00:27:39,900
+الاختراع يمكناحنا و نحن نتحدث عن حق
+
+248
+00:27:39,900 --> 00:27:46,900
+التأليفتطرخنا إلى أن ثمة صور لحق التأليف وليس
+
+249
+00:27:46,900 --> 00:27:53,040
+المقصود أو لكي يكون المؤلف يثبت فيه حق للمؤلف أن
+
+250
+00:27:53,040 --> 00:27:58,800
+يكون لم يسبق إليه البتة بل قلنا إنه ممكن يكون شرح
+
+251
+00:27:58,800 --> 00:28:04,040
+لمؤلف لمؤلف سابق أو مختصر مش هي اللي قلنا أو
+
+252
+00:28:04,040 --> 00:28:08,760
+تعليقات أو توضيحات حتى الترجمة أو تبرط حق التأليف
+
+253
+00:28:09,660 --> 00:28:16,140
+لأن فيها إبداع فهناك صور متعددة لحقوق التأليف أو
+
+254
+00:28:16,140 --> 00:28:21,700
+للمؤلفات التي تثبت بها حقوقك كذلك الحال كذلك الحال
+
+255
+00:28:21,700 --> 00:28:27,400
+بالنسبة لبراءات الإختراع براءات الإختراع ليست
+
+256
+00:28:27,400 --> 00:28:34,760
+حصرية أو محصورة أو قاسرة على المخترع الذي يقدم
+
+257
+00:28:34,760 --> 00:28:42,790
+للبشرية أو يكتشف شيء غير مسبوقوإنما يمكن أن يكون
+
+258
+00:28:42,790 --> 00:28:47,590
+أو تثبت براءة الإختراع لمن قدم طبعا على رأسها أو
+
+259
+00:28:47,590 --> 00:28:52,650
+لا، من قدم شيء للبشرية غير مسبوق هذا يستحق براءة
+
+260
+00:28:52,650 --> 00:29:00,010
+بكل معنى الكلمة، لكن من قرى بعد ذلك بتطوير،
+
+261
+00:29:00,010 --> 00:29:08,060
+بإضافة، بشيء من الانتفاعأيضًا يعتبر صاحب براءة
+
+262
+00:29:08,060 --> 00:29:14,920
+اختراع ولكن بالقدر الذي قدم فيه وبالقدر الذي أضافه
+
+263
+00:29:14,920 --> 00:29:20,180
+وأنجزه وعلى ذلك يعني قُسمت أو براءات الاختراع إلى
+
+264
+00:29:20,180 --> 00:29:27,380
+أقسام أو وجدت صور متعددة لبراءة الإختراع على رأسها
+
+265
+00:29:27,380 --> 00:29:33,600
+ما يسمى بالبراءة الكاملة أو الكبرىاللي هي تلك
+
+266
+00:29:33,600 --> 00:29:37,620
+المباراعة اللي احنا اشرنا اليها .. اول ما اشرنا
+
+267
+00:29:37,620 --> 00:29:46,020
+اليها تلك المباراعة اللتي لم يسبق لأحد غير
+
+268
+00:29:46,020 --> 00:29:52,590
+هذا المخترع ان اكتشفهافهذا يستحق البراءة الكبرى أو
+
+269
+00:29:52,590 --> 00:29:59,650
+البراءة الكاملة كل الحقوق دون مشاركة أحد فيها، أول
+
+270
+00:29:59,650 --> 00:30:02,890
+من أوجد الكهربا، أول من أوجد التليفون، أول من ما
+
+271
+00:30:02,890 --> 00:30:08,340
+اكتشف التلفزيون، هؤلاء أصحاب براءات كاملةتثبت لهم
+
+272
+00:30:08,340 --> 00:30:15,140
+وهذه أرقى و أعلى و أجلى صورة من صور ال .. ال .. ال
+
+273
+00:30:15,140 --> 00:30:18,580
+.. الابتكارات المتعلقة ببراءة الاختراع لكن هل
+
+274
+00:30:18,580 --> 00:30:23,900
+تقتصروا عليها؟ لا احنا قولنا يعني زمان و بنأكد ان
+
+275
+00:30:23,900 --> 00:30:28,760
+هذه الإبداعات او هذه البراءات الحق الكاملة بدأت
+
+276
+00:30:29,260 --> 00:30:35,920
+بمستوى معين بقدر معين ثم أضيفت عليها تطويرات كثيرة
+
+277
+00:30:35,920 --> 00:30:40,540
+من قبل آخرين غير المؤلف المؤلف أو أسف المختار
+
+278
+00:30:40,540 --> 00:30:47,780
+الأول ربما قدم ما قدم ثم توقف أو ماتثم جاء من بعده
+
+279
+00:30:47,780 --> 00:30:55,300
+من العلماء والمكتشفين فطوروا وربما طوروا بما فيه
+
+280
+00:30:55,300 --> 00:31:04,000
+منافع ربما أكثر من أصل المخترع نفسه فهل نقول بمنع
+
+281
+00:31:04,000 --> 00:31:10,280
+حق هؤلاء بالطبع لا إذا البراءة الحق الكاملة أولا
+
+282
+00:31:10,280 --> 00:31:17,570
+ثانيا براءة الإضافة والتحسينبراءة الإضافة أو
+
+283
+00:31:17,570 --> 00:31:24,590
+التحسين اللي هي يعني بتكون في أصل البراءة موجودة
+
+284
+00:31:24,590 --> 00:31:31,630
+أو أصل المخترع أو المكتشفموجود لكن جاء آخرون
+
+285
+00:31:31,630 --> 00:31:39,110
+فحسنوا وأضافوا وجودوا ووسعوا بحيث ازدادت إمكانية
+
+286
+00:31:39,110 --> 00:31:45,450
+الانتفاع بحيث يعني تجودت إمكانية الانتفاع بحيث
+
+287
+00:31:45,450 --> 00:31:49,890
+صارت الختمات المتاحة
+
+288
+00:31:49,890 --> 00:31:55,890
+من هذا المكتشف يعني تعطي أشياء أدق وإلى غير ذلك في
+
+289
+00:31:55,890 --> 00:32:01,760
+هذه الحالة هذا أيضا يعتبرمن باب براءة الاختراع لكن
+
+290
+00:32:01,760 --> 00:32:05,680
+بالطبع مابناش ننسى كل أنواع هذه الاختراعات أو هذه
+
+291
+00:32:05,680 --> 00:32:11,780
+البراءات كلها لازم تمر بهذه الشروط و هذه العملية
+
+292
+00:32:11,780 --> 00:32:17,000
+لكي تثبت البراءةبراءة كاملة، براءة إضافة وغيرها
+
+293
+00:32:17,000 --> 00:32:23,980
+لابد أن تمر بهذه الحالات إذا البراءة الإضافة
+
+294
+00:32:23,980 --> 00:32:30,440
+الصغرى، آسف، البراءة الإضافة أو التحسين في نوع آخر
+
+295
+00:32:30,440 --> 00:32:37,740
+يسمى ببراءة الإختراع الصغرى أو شهادات المنفعة
+
+296
+00:32:37,740 --> 00:32:45,460
+براءة الإختراع الصغرى أو شهادات المنفعةيعني حقيقة
+
+297
+00:32:45,460 --> 00:32:53,560
+هذا النوع له أمثلة متعددة له أمثلة متعددة بعض
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+العلماء اعتبر يعني دمج هذا النوع في النوع السابق
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+299
+00:32:59,040 --> 00:33:05,820
+بعض العلماء المختصين اعتبروا من باب شهادات الإضافة
+
+300
+00:33:05,820 --> 00:33:13,290
+والتحسين لكن لعل الأصحأن المقصود بشهادات المنفعة
+
+301
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+هي تلك الشهادات التي تقطع لمن قام بدراسة يعني
+
+302
+00:33:22,950 --> 00:33:33,600
+مناهج معينةثم صار لديه كفاءة تؤهله بعد ذلك لأن
+
+303
+00:33:33,600 --> 00:33:40,840
+يكون يعني مدرسا او خبيرا او الى غير ذلك وكل
+
+304
+00:33:40,840 --> 00:33:45,060
+الشهادات اللتي تمنح اليوم للخراجين في مختلف
+
+305
+00:33:45,060 --> 00:33:50,620
+المجالات هي أشبه ببراءات اختراع صغرى او برائات
+
+306
+00:33:50,620 --> 00:33:56,410
+منفعة برائات منفعة بحيث انك بعد حصولك على شهادةفي
+
+307
+00:33:56,410 --> 00:34:02,430
+الهندسة تصبح لك الحق وفق هذه الشهادة أن تعمل في
+
+308
+00:34:02,430 --> 00:34:10,370
+مجال الهندسة في الطب يصبح لك الحق في أن تعمل بعد
+
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+00:34:10,370 --> 00:34:15,670
+أن اجتزت كل هذه السنوات وكل هذه الامتحانات واخدت
+
+310
+00:34:15,670 --> 00:34:22,230
+شهادة بذلك فأصبح لك الحقذا ذلك الفني اللذي يخدم
+
+311
+00:34:22,230 --> 00:34:26,090
+سنة و سنتين و تلاتة عند الميكانيكي و لا عند
+
+312
+00:34:26,090 --> 00:34:31,270
+الكهربائي بيعطيه في الآخر شهادة بعد ذلك يصح له ان
+
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+00:34:31,270 --> 00:34:37,410
+يفتح ورشة و بياخد ترخيص من ايه؟ من البلدية او من
+
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+00:34:37,410 --> 00:34:43,710
+الحكومة تؤهله الى حق انتفاع يعني ب .. ب .. لأنه
+
+315
+00:34:43,710 --> 00:34:49,070
+يعني .. لكن هي مش إبداعلكن هي ايه؟ خلّيني اقول
+
+316
+00:34:49,070 --> 00:34:58,700
+أصبح له قدراتفي الخدمة في هذا المجال وبشهادة
+
+317
+00:34:58,700 --> 00:35:07,460
+المختصين وبعد اجتيازه لكل الأسباب ولكل الشروط
+
+318
+00:35:07,460 --> 00:35:14,940
+وإلى غير ذلك هذه يمكن أن تعتبر براءة اختراع
+
+319
+00:35:14,940 --> 00:35:21,140
+صغرى أخيرا براءة الاستيراد
+
+320
+00:35:22,540 --> 00:35:27,220
+براءة الاستيراد وهذه البراءة أيها الأخوة الكرام
+
+321
+00:35:27,220 --> 00:35:39,080
+تختص أو تتعلق بمن استورده مكتشفا علميا
+
+322
+00:35:39,080 --> 00:35:46,210
+معينا موجود لآخرينمكتشف لآخرين، مكتشف لمعالم صيني،
+
+323
+00:35:46,210 --> 00:35:49,710
+لعالم أمريكي، لعالم أوروبي، فرنسي ولا إيطالي ولا
+
+324
+00:35:49,710 --> 00:35:55,450
+غير ذلك، و تم الاستفادة منه في بلاده، أنا روحت على
+
+325
+00:35:55,450 --> 00:35:59,670
+الصين أو من خلال تواصلات، اشتريت الخدمة هذه،
+
+326
+00:35:59,670 --> 00:36:07,150
+بفلوسي، واستوردتها لكي أجيء وكنت أول من أدخلها إلى
+
+327
+00:36:07,150 --> 00:36:14,920
+بلاديلينتفق بيها الناس من خلال بدالة أموال هنا
+
+328
+00:36:14,920 --> 00:36:21,040
+البذل يا إخوة أو الإبداع من جانبين الإبداع أولا
+
+329
+00:36:21,040 --> 00:36:26,120
+أنت أول من قتيت بهذا الصحيح مش أنت اللي اكتشفته
+
+330
+00:36:26,120 --> 00:36:32,720
+لكن الإبداع في أنك أول من أدخلته إلى بلدك و أنت
+
+331
+00:36:32,720 --> 00:36:41,680
+الذي دفعت و أنفقت المالحتى سهلت إمكانية وصول هذا
+
+332
+00:36:41,680 --> 00:36:48,520
+المخترع يعني مثلا حمامات شمسية مثلا مثلا وصلت ل ..
+
+333
+00:36:48,520 --> 00:36:56,060
+يعني من أول من أوصلها أبوك ولا أخوك ولا المهم فهذا
+
+334
+00:36:56,060 --> 00:37:04,470
+الأصل لكن طبعا بدي يكون في نوعمن اولا لحظة شرطين
+
+335
+00:37:04,470 --> 00:37:11,570
+اساسيين انت الذي بدلت ودفعت وانت الذي اول من ادخلت
+
+336
+00:37:11,570 --> 00:37:19,930
+في هذه الحالة يا اخوة تُعطى او يُعطى هذا المستورد
+
+337
+00:37:19,930 --> 00:37:24,860
+حق براءة اختراعلكن خلّي بقى لكوا براية اختراع خاصة
+
+338
+00:37:24,860 --> 00:37:29,060
+بهذا بمعنى انه زي نوع من الاحتكار يحتكر الانتفاع
+
+339
+00:37:29,060 --> 00:37:33,880
+بده يصير هو الوكيل الرسمي ويمكن الوكالات اللي
+
+340
+00:37:33,880 --> 00:37:37,540
+بنشوفها كلها من هذا الباب اللي بيحصل لكن مش وكالة
+
+341
+00:37:37,540 --> 00:37:45,610
+للأبد تعطي الحكومةالامتياز لمدة خمس سنوات او عشر
+
+342
+00:37:45,610 --> 00:37:52,230
+سنوات او اكتر او اقل بما يغطي ..يعني ايه؟ بما يغطي
+
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+00:37:52,230 --> 00:37:58,710
+نفقات ودفع والربح المعقول المفترض، لكن بعد خمس
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+00:37:58,710 --> 00:38:02,770
+سنين ولا عشر سنين، خلاص، بده يفتح، مش هتظل تحلب
+
+345
+00:38:02,770 --> 00:38:08,980
+للأبديعني انت شبات خلاص خلّي الآن عندما يفتح
+
+346
+00:38:08,980 --> 00:38:14,200
+المجال بدنا يعني يسمح للجميع بأن يستورد دون أن
+
+347
+00:38:14,200 --> 00:38:18,820
+يكون هناك نوع من الاحتكار وبالتالي بترخص الشغلة
+
+348
+00:38:18,820 --> 00:38:26,400
+ويعني بيصير في ارتياح لدى .. لكن انا يعني تخصيصي
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+349
+00:38:26,400 --> 00:38:32,000
+لهذا الشخص المستوردلفائدة حقيقة ليس من باب
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+350
+00:38:32,000 --> 00:38:36,380
+الاحتكار او تكريس الاحتكار لأنه قد يقال لما يعني
+
+351
+00:38:36,380 --> 00:38:42,820
+والله هو اتشاطر وهو اول ما ادخل ونفع البلد وغير من
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+352
+00:38:42,820 --> 00:38:46,900
+المستوى مافيش كهربا دخلنا كهربا على طريق الشمس هو
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+353
+00:38:46,900 --> 00:38:51,020
+اول من دخل البوابير هو اول شفتوا في فترة الحصار
+
+354
+00:38:51,020 --> 00:38:56,060
+ايش دخلت اشياء ربما لم تكن معودة لدينا من قبل بغض
+
+355
+00:38:56,060 --> 00:39:03,680
+النظرهذا اذا كان فعلا فيها جدة و اول من ادخلها
+
+356
+00:39:03,680 --> 00:39:09,360
+فهذه تسمى براءات الاختراع وحتى يا اخوة بالمناسبة
+
+357
+00:39:09,360 --> 00:39:15,660
+المدة الزمنية حتى بالنسبة لبراءات الاختراع الاخرى
+
+358
+00:39:15,660 --> 00:39:20,070
+الفلاتة السابقة ايضا هناك مدة زمنيةأيضًا حتى
+
+359
+00:39:20,070 --> 00:39:24,850
+العالم الذي اخترع اختراعًا كاملًا أو إلى غير ذلك
+
+360
+00:39:24,850 --> 00:39:30,550
+تُعطى له مدة زمنية أو الذي أضاف تُعطى له مدة زمنية
+
+361
+00:39:30,550 --> 00:39:36,990
+للانتفاع بهذا الحق ثم بعد ذلك يصبح ملكًا للجميع أو
+
+362
+00:39:36,990 --> 00:39:42,490
+ملكًا للدولة بحيث تستفاد منه وهذا الذي نلمسه وهذا
+
+363
+00:39:42,490 --> 00:39:46,210
+الذي يعني نراه
+
+364
+00:39:47,700 --> 00:39:56,880
+إذا هذا بالنسبة لأنواع براءة الإختراع أخيرا موقف
+
+365
+00:39:56,880 --> 00:40:03,160
+الشريعة الإسلامية من حق براءة الإختراعيا اخوة
+
+366
+00:40:03,160 --> 00:40:11,060
+طبيعي جدا، احنا شفنا مش بس رأي الجمهور، بل احنا
+
+367
+00:40:11,060 --> 00:40:17,540
+أكدنا ان اتفاق علماء المسلمين على ان يأخذ كل ذي حق
+
+368
+00:40:17,540 --> 00:40:24,620
+حقهواتفاق علماء المسلمين على أن من سبق إلى شيء هو
+
+369
+00:40:24,620 --> 00:40:31,020
+أحق بالانتفاع به واتفاق علماء المسلمين على عدم
+
+370
+00:40:31,020 --> 00:40:36,200
+جواز الاعتداء وعدم جواز التزوير وعدم تجواز يعني ..
+
+371
+00:40:36,200 --> 00:40:40,440
+واتفاق علماء المسلمين على أن كل إنسان مسئول وهذا
+
+372
+00:40:40,440 --> 00:40:46,380
+إنسان أي الذي يبتكر أو يحقق شيء على صعيبه منفع
+
+373
+00:40:46,380 --> 00:40:55,230
+للعامةهذا شيء إنسان قدم خدمة عامة للبشرية عموما و
+
+374
+00:40:55,230 --> 00:41:00,990
+لأهل البلد خصوصا فيستحق هو أول من يستحق أن ينتفع
+
+375
+00:41:00,990 --> 00:41:06,790
+بها هو أول من يستحق أن يأخذ حقوقه جراء اكتشاف هذا
+
+376
+00:41:06,790 --> 00:41:11,230
+الأمر بناء على القاعدة العامة في الشريعة الإسلامية
+
+377
+00:41:11,230 --> 00:41:16,840
+التي تعتمد المصالح في تقرير الأحكامالمصالح أيها
+
+378
+00:41:16,840 --> 00:41:22,080
+الأخوة المصلحة المرسلة أو هي الأساس في إثبات
+
+379
+00:41:22,080 --> 00:41:27,160
+الأحكام وأي مصلحة أعظم من أن نعطيها هؤلاء ونشجع
+
+380
+00:41:27,160 --> 00:41:34,620
+هؤلاء على الإبتكارات والتقنيات وإلى غير ذلك بل إنه
+
+381
+00:41:34,620 --> 00:41:39,630
+من الظلم في المقابل ومن غمض الناس لحقوقهمأن لا
+
+382
+00:41:39,630 --> 00:41:46,970
+يأخذ هؤلاء المكتشفون وأن يمنعوا من الاستفادة من
+
+383
+00:41:46,970 --> 00:41:53,210
+عقولهم من مبتكراتهم ولذلك يا أخوة جاءت قرارات مجمع
+
+384
+00:41:53,210 --> 00:42:01,870
+الفقه الإسلامي تؤكدوا على أن البراءات الاختراع
+
+385
+00:42:03,670 --> 00:42:10,070
+شأنها شأن حقوق التأليف من حيث إيه؟ من حيث جواز
+
+386
+00:42:10,070 --> 00:42:15,710
+الانتفاع والتصرف حقوق التأليف، نص الكلام، حقوق
+
+387
+00:42:15,710 --> 00:42:20,890
+التأليف، والاختراع أو الابتكار مصونة شرعا
+
+388
+00:42:20,890 --> 00:42:27,510
+وليأصخابها حق التصرف فيها ولا يجوزوا لا تداؤوا
+
+389
+00:42:27,510 --> 00:42:33,600
+عليهاالمرة القادمة حق الاسم التجاري شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9Ox0TMHguVQ_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9Ox0TMHguVQ_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..08e5c4ad975366c5f9da9546a772fe1a1cfd89c6
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9Ox0TMHguVQ_raw.json
@@ -0,0 +1 @@
+{"segments": [{"id": 1, "seek": 3163, "start": 20.69, "end": 31.63, "text": "الله الرحمن الرحيم الحمد لله والصلاة والسلام على رسول الله وعلى آله وصحبه ومن سرق لهديه إلى يوم الدين وبعد", "tokens": [6027, 43761, 34892, 5016, 27842, 34892, 5016, 32640, 21542, 2304, 3215, 24976, 3224, 16070, 9381, 15040, 3660, 16070, 3794, 37440, 15844, 12602, 3794, 12610, 21984, 4032, 3615, 23942, 19753, 43761, 4032, 9381, 5016, 3555, 3224, 4032, 27842, 8608, 2288, 4587, 46740, 16254, 3224, 30731, 7251, 20498, 32748, 9957, 46599, 22488], "avg_logprob": -0.10929841036890067, "compression_ratio": 1.7387387387387387, "no_speech_prob": 3.814697265625e-06, "words": [{"start": 20.69, "end": 20.99, "word": "الله", "probability": 0.92333984375}, {"start": 20.99, "end": 21.37, "word": " الرحمن", "probability": 0.9602864583333334}, {"start": 21.37, "end": 21.83, "word": " الرحيم", "probability": 0.99560546875}, {"start": 21.83, "end": 22.19, "word": " الحمد", "probability": 0.8427734375}, {"start": 22.19, "end": 22.55, "word": " لله", "probability": 0.94384765625}, {"start": 22.55, "end": 23.01, "word": " والصلاة", "probability": 0.87890625}, {"start": 23.01, "end": 23.43, "word": " والسلام", "probability": 0.9679361979166666}, {"start": 23.43, "end": 23.65, "word": " على", "probability": 0.6494140625}, {"start": 23.65, "end": 24.05, "word": " رسول", "probability": 0.98876953125}, {"start": 24.05, "end": 24.35, "word": " الله", "probability": 0.96484375}, {"start": 24.35, "end": 26.43, "word": " وعلى", "probability": 0.9244791666666666}, {"start": 26.43, "end": 26.75, "word": " آله", "probability": 0.970947265625}, {"start": 26.75, "end": 27.77, "word": " وصحبه", "probability": 0.97373046875}, {"start": 27.77, "end": 29.29, "word": " ومن", "probability": 0.986083984375}, {"start": 29.29, "end": 29.63, "word": " سرق", "probability": 0.8533528645833334}, {"start": 29.63, "end": 30.39, "word": " لهديه", "probability": 0.73193359375}, {"start": 30.39, "end": 30.73, "word": " إلى", "probability": 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المعاملة، فيكفي أن يرد نص بالمعنى الذي تقوم عليه المعاملة", "tokens": [1211, 19452, 34105, 12174, 3215, 4032, 2288, 3215, 19446, 7251, 3215, 1211, 15844, 16712, 5016, 16572, 2304, 12399, 4032, 20292, 3794, 20666, 11242, 2288, 13063, 3660, 14739, 7251, 2288, 3215, 8717, 9381, 4724, 32277, 2304, 9673, 3615, 10943, 37977, 12399, 8978, 4117, 41185, 14739, 7251, 2288, 3215, 8717, 9381, 20666, 2304, 3615, 1863, 7578, 43527, 6055, 4587, 20498, 47356, 9673, 3615, 10943, 37977], "avg_logprob": -0.07769775087945163, "compression_ratio": 1.7109375, "no_speech_prob": 5.960464477539063e-08, "words": [{"start": 1596.14, "end": 1596.84, "word": "لكن", "probability": 0.78466796875}, {"start": 1596.84, "end": 1599.1, "word": " هنا", "probability": 0.89453125}, {"start": 1599.1, "end": 1599.9, "word": " قد", "probability": 0.988525390625}, {"start": 1599.9, "end": 1600.54, "word": " ورد", "probability": 0.9759114583333334}, {"start": 1600.54, "end": 1601.32, "word": " ما", "probability": 0.666015625}, 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" المثال", "probability": 0.9943033854166666}, {"start": 2628.32, "end": 2629.04, "word": " فإذا", "probability": 0.9308268229166666}, {"start": 2629.04, "end": 2629.8, "word": " كانت", "probability": 0.975341796875}, {"start": 2629.8, "end": 2630.4, "word": " العقود", "probability": 0.9580078125}, {"start": 2630.4, "end": 2631.54, "word": " محلو", "probability": 0.796630859375}, {"start": 2631.54, "end": 2632.12, "word": " إجبار", "probability": 0.931884765625}, {"start": 2632.12, "end": 2634.96, "word": " فيتحمل", "probability": 0.8985595703125}, {"start": 2634.96, "end": 2635.62, "word": " عبء", "probability": 0.90185546875}, {"start": 2635.62, "end": 2636.26, "word": " ذلك", "probability": 0.98876953125}, {"start": 2636.26, "end": 2637.2, "word": " وإثم", "probability": 0.848876953125}, {"start": 2637.2, "end": 2637.72, "word": " ذلك", "probability": 0.99462890625}, {"start": 2637.72, "end": 2638.28, "word": " من", "probability": 0.95263671875}, {"start": 2638.28, "end": 2638.82, "word": " أجبر", "probability": 0.9749348958333334}, {"start": 2638.82, "end": 2640.16, "word": " ومن", "probability": 0.82861328125}, {"start": 2640.16, "end": 2640.66, "word": " لا", "probability": 0.59912109375}, {"start": 2640.66, "end": 2641.18, "word": " يجبر", "probability": 0.9436848958333334}, {"start": 2641.18, "end": 2642.42, "word": " والناس", "probability": 0.77587890625}, {"start": 2642.42, "end": 2643.18, "word": " المجبرون", "probability": 0.9864501953125}, {"start": 2643.18, "end": 2643.64, "word": " لا", "probability": 0.708984375}, {"start": 2643.64, "end": 2644.1, "word": " إثم", "probability": 0.8131510416666666}, {"start": 2644.1, "end": 2644.98, "word": " عليهم", "probability": 0.98388671875}, {"start": 2644.98, "end": 2645.26, "word": " في", "probability": 0.87646484375}, {"start": 2645.26, "end": 2646.12, "word": " ذلك", "probability": 0.9951171875}], "temperature": 1.0}, {"id": 117, "seek": 266450, "start": 2647.76, "end": 2664.5, "text": "وأما بالنسبة لعقود الاختيار فينظروا هنا في هذه الحالة لصورة العقد فما كانت فيه المفاسد أكثر يقالوا بالتحريم وما كانت فيه المصالح أكثر يقالوا بالحل", "tokens": [2407, 10721, 15042, 20666, 1863, 35457, 3660, 5296, 3615, 4587, 23328, 2423, 47283, 31371, 9640, 8978, 1863, 19913, 2288, 14407, 34105, 8978, 29538, 21542, 6027, 3660, 5296, 9381, 13063, 3660, 18863, 28543, 6156, 15042, 25961, 2655, 8978, 3224, 9673, 5172, 32277, 3215, 5551, 4117, 49115, 7251, 4587, 6027, 14407, 20666, 2655, 5016, 16572, 2304, 4032, 15042, 25961, 2655, 8978, 3224, 9673, 9381, 6027, 5016, 5551, 4117, 49115, 7251, 4587, 6027, 14407, 20666, 5016, 1211], "avg_logprob": -0.0951041692495346, "compression_ratio": 1.9420289855072463, "no_speech_prob": 2.2649765014648438e-06, "words": [{"start": 2647.76, "end": 2648.84, "word": "وأما", "probability": 0.8557942708333334}, {"start": 2648.84, "end": 2649.48, "word": " بالنسبة", "probability": 0.9932861328125}, {"start": 2649.48, "end": 2650.02, "word": " لعقود", "probability": 0.9493408203125}, {"start": 2650.02, "end": 2650.86, "word": " الاختيار", "probability": 0.85943603515625}, {"start": 2650.86, "end": 2652.66, "word": " فينظروا", "probability": 0.9173828125}, {"start": 2652.66, "end": 2653.0, "word": " هنا", "probability": 0.97802734375}, {"start": 2653.0, "end": 2653.24, "word": " في", "probability": 0.96630859375}, {"start": 2653.24, "end": 2653.6, "word": " هذه", "probability": 0.9873046875}, {"start": 2653.6, "end": 2654.34, "word": " الحالة", "probability": 0.9928385416666666}, {"start": 2654.34, "end": 2655.58, "word": " لصورة", "probability": 0.9427490234375}, {"start": 2655.58, "end": 2655.92, "word": " العقد", "probability": 0.829345703125}, {"start": 2655.92, "end": 2656.38, "word": " فما", "probability": 0.9052734375}, {"start": 2656.38, "end": 2656.9, "word": " كانت", "probability": 0.976318359375}, {"start": 2656.9, "end": 2657.32, "word": " فيه", "probability": 0.990478515625}, {"start": 2657.32, "end": 2658.4, "word": " المفاسد", "probability": 0.9686279296875}, {"start": 2658.4, "end": 2658.94, "word": " أكثر", "probability": 0.6883951822916666}, {"start": 2658.94, "end": 2659.58, "word": " يقالوا", "probability": 0.8990478515625}, {"start": 2659.58, "end": 2660.2, "word": " بالتحريم", "probability": 0.97421875}, {"start": 2660.2, "end": 2660.64, "word": " وما", "probability": 0.901611328125}, {"start": 2660.64, "end": 2661.08, "word": " كانت", "probability": 0.970703125}, {"start": 2661.08, "end": 2661.3, "word": " فيه", "probability": 0.969970703125}, {"start": 2661.3, "end": 2661.88, "word": " المصالح", "probability": 0.993408203125}, {"start": 2661.88, "end": 2662.4, "word": " أكثر", "probability": 0.96630859375}, {"start": 2662.4, "end": 2663.38, "word": " يقالوا", "probability": 0.964599609375}, {"start": 2663.38, "end": 2664.5, "word": " بالحل", "probability": 0.8347981770833334}], "temperature": 1.0}], "language": "ar", "language_probability": 1.0, "duration": 2665.2095, "duration_after_vad": 2585.6606249999954}
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9Ox0TMHguVQ_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9Ox0TMHguVQ_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..ededc3c9fd625be77b67d366774feb05252cec2e
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9Ox0TMHguVQ_raw.srt
@@ -0,0 +1,1764 @@
+1
+00:00:20,690 --> 00:00:23,650
+الله الرحمن الرحيم الحمد لله والصلاة والسلام على
+
+2
+00:00:23,650 --> 00:00:30,930
+رسول الله وعلى آله وصحبه ومن سرق لهديه إلى يوم
+
+3
+00:00:30,930 --> 00:00:41,090
+الدين وبعديعني بداية قبل أن أبدأ نهنئكم بقدوم عيد
+
+4
+00:00:41,090 --> 00:00:46,590
+الأبحاء المبارك و نسأل الله سبحانه و تعالى لنا و
+
+5
+00:00:46,590 --> 00:00:53,250
+لكم التوفيق و السداد و أن يجعله عيدا عيدا مباركا و
+
+6
+00:00:53,250 --> 00:01:00,850
+عيدا خير و بركة و نذكر بأن غدا هو يوم عرفةوهو
+
+7
+00:01:00,850 --> 00:01:05,570
+اليوم الذي حث رسول الله صلى الله عليه وسلم على
+
+8
+00:01:05,570 --> 00:01:12,770
+صيامه وقال بأن صيامه يكفر سنتين سنة سابقة وسنة
+
+9
+00:01:12,770 --> 00:01:19,830
+قادمة فلذلك أهيب بكم بصيام هذا اليوم عصى الله
+
+10
+00:01:19,830 --> 00:01:25,210
+سبحانه وتعالى أن يغفر لنا ذنوبنا وأن يكفر عننا
+
+11
+00:01:25,210 --> 00:01:35,940
+سيئاتنالنعود إلى التأمين وكنا في محاضرات سابقة قد
+
+12
+00:01:35,940 --> 00:01:41,720
+تحدثنا عن أراء العلماء في حكم التأمين وعرفنا أنهم
+
+13
+00:01:41,720 --> 00:01:47,740
+اختلفوا على ثلاثة أراء رأي يقول بأنه أي التأمين
+
+14
+00:01:47,740 --> 00:01:53,130
+وعلى اختلاف أشكاله ممتنع محرموهو ما عليه جمهور
+
+15
+00:01:53,130 --> 00:01:57,970
+العلماء من المعاصرين ورأي أخر يقول بأنه جائز على
+
+16
+00:01:57,970 --> 00:02:03,890
+إطلاقه أيضا ورأي ثالث يفصل بين حالة وحالة ونوع
+
+17
+00:02:03,890 --> 00:02:14,170
+ونوع فبعض صوره جائزة وبعض صوره محرمةواستعرضنا أدلة
+
+18
+00:02:14,170 --> 00:02:20,210
+كل فريق أدلة القائلين بالتحريم حيث قالوا بأنهم
+
+19
+00:02:20,210 --> 00:02:25,590
+يشتملوا على الغرر والربا والقمار وأنه تحدي للقدر
+
+20
+00:02:25,590 --> 00:02:31,690
+الإلهي وأنه بيع للأمن وهذا غير جائز وأنه
+
+21
+00:02:33,210 --> 00:02:40,350
+تترتب عليه مفاسد متعددة من حيث تدليس وتزوير وتحايل
+
+22
+00:02:40,350 --> 00:02:48,210
+وأنه بيع دين أو صورة من صور بيع الدين بالدينوغير
+
+23
+00:02:48,210 --> 00:02:55,290
+ذلك يعني حشدوا مجموعة من الأدلة بالفعل مجموعها رجح
+
+24
+00:02:55,290 --> 00:03:01,970
+لديهم القول بحرمة التأمين أما القائلون بالجواز فقد
+
+25
+00:03:01,970 --> 00:03:07,250
+استدلوا هم كذلك بمجموعة من الأدلة يمكن تكرنا ثلاثة
+
+26
+00:03:07,250 --> 00:03:13,950
+أدلة منها مجملة قلنا الدليل الأول الذي استندوا
+
+27
+00:03:13,950 --> 00:03:16,570
+اليها أن الأصل في المعاملات الإباحة
+
+28
+00:03:19,940 --> 00:03:30,960
+وهذا العقد وإن لم يكن واردا فيه نص بالجواز فإنه لم
+
+29
+00:03:30,960 --> 00:03:36,380
+يرد فيه نص كذلك بالتحريم فيبقى على الأصل بالحل
+
+30
+00:03:36,380 --> 00:03:41,900
+والإباحة كما هي القاعدة العامة في باب المعاملات
+
+31
+00:03:43,320 --> 00:03:49,420
+واستدلوا كذلك بالمصلحة استدلوا بالمصلحة اي انهم
+
+32
+00:03:49,420 --> 00:03:54,680
+قالوا ان هذا التأمين يحقق مصالح متعددة وارتبطت به
+
+33
+00:03:54,680 --> 00:04:03,140
+مصالح الناس واجبرت الدولةوالحكومات المؤاصرة الناس
+
+34
+00:04:03,140 --> 00:04:08,800
+على التأمين في كثير من المجالات حتى إن مصالحهم لا
+
+35
+00:04:08,800 --> 00:04:15,960
+تسيروا إلا بالتأمين ولذلك فإن القول بالحرمة يعطل
+
+36
+00:04:15,960 --> 00:04:22,300
+هذه المصالح فلذلك نحن نقول بالجواز إضافة طبعا إلى
+
+37
+00:04:22,300 --> 00:04:27,700
+أنه مظهر من مظاهر التعاون والتكافل وكفى بذلك مصلحة
+
+38
+00:04:29,480 --> 00:04:36,960
+ثالثا القياس قلنا ثالثا القياس وهو ما وهيتلكم
+
+39
+00:04:36,960 --> 00:04:42,180
+الصور الخامس اللي المذكورة لديكم في الكتاب أي أنهم
+
+40
+00:04:42,180 --> 00:04:52,880
+قالوا بأن القياس .. بأن التأمين هذا له صور مشابهة
+
+41
+00:04:52,880 --> 00:04:58,190
+لهفي الفقه الإسلامي وفي حياة المسلمين قال الفقهاء
+
+42
+00:04:58,190 --> 00:05:05,050
+بحلها وهي إلى حد كبير تشبه التأمينفلذلك نحن نقيس
+
+43
+00:05:05,050 --> 00:05:13,070
+التأمين عليها وذكروا منها عقد الموالاة وعقد ونظام
+
+44
+00:05:13,070 --> 00:05:19,610
+العواقل وعقد خطر الطريق نظام ضمان خطر الطريق
+
+45
+00:05:19,610 --> 00:05:23,710
+والوعد والوعد الملزم والتأمينات والمعاشات كل هذه
+
+46
+00:05:23,710 --> 00:05:30,500
+أيها الأخوة كل هذه صورمن صور التعاقدات والمعاملات
+
+47
+00:05:30,500 --> 00:05:38,740
+التي انتشرت بين الناس قديما وحديثا وكان العلماء أو
+
+48
+00:05:38,740 --> 00:05:44,220
+بعضهم على الأقلبحلها يعني بنظام العواقل الكل
+
+49
+00:05:44,220 --> 00:05:51,000
+يقولوا بجواز هذا النظام لأنه نظام يعني دعت إليه
+
+50
+00:05:51,000 --> 00:05:56,020
+الشريعة الإسلامية نظام التامينات والمعاشرات محل
+
+51
+00:05:56,020 --> 00:06:01,460
+اتفاق ضمان خطر الطريق والوعد والوعد المنزل محل
+
+52
+00:06:01,460 --> 00:06:06,580
+اختلاف لكن وجدنا بعض العلماء يقولون بإيهفهذه الصور
+
+53
+00:06:06,580 --> 00:06:13,560
+متعددة تشبه في عناصرها، تشبه في هدفها وغايتها،
+
+54
+00:06:13,560 --> 00:06:18,420
+الغاية التي من أجلها جاء التأمين وهي تخفيف الكارثة
+
+55
+00:06:18,420 --> 00:06:20,320
+والمصاب عن الإنسان
+
+56
+00:06:22,760 --> 00:06:27,520
+وتمشكلوا مظهرا من مظاهر التعاون بالاضافة إلى أن
+
+57
+00:06:27,520 --> 00:06:31,940
+العناصر إلى حد كبير الموجودة في هذه العقود تشبه
+
+58
+00:06:31,940 --> 00:06:37,020
+العناصر الموجودة في عقد التأمين ولذلك يعني نحن
+
+59
+00:06:37,020 --> 00:06:42,580
+نقوله أو قالوا بحل ومشروعية التأمين هذا بالنسبة
+
+60
+00:06:42,580 --> 00:06:48,580
+لما قالوا لكن أما بالنسبة للفريق الثالث الفريق
+
+61
+00:06:48,580 --> 00:06:54,980
+الثالث يا إخوة يعنياستدل على ما قال بجوازه بادلة
+
+62
+00:06:54,980 --> 00:06:58,860
+القائلين بالجواز واستدل على ما قال بحرمته من الصور
+
+63
+00:06:58,860 --> 00:07:04,800
+بادلة القائلين بالمنع يعني نظرة في الصورة او في
+
+64
+00:07:04,800 --> 00:07:13,230
+الحالة او في النوع فاذا وجد انهيعني تغلب عليه
+
+65
+00:07:13,230 --> 00:07:17,870
+المفسدة ويظهر فيه الربا ويظهر فيه الغرب بشكل أكبر
+
+66
+00:07:17,870 --> 00:07:26,430
+قال بتحريمه وإن وجد أن المصلحة تتغلب هنا وأن الربا
+
+67
+00:07:26,430 --> 00:07:35,070
+لا أثر له والغرر يعني بعيد أو قليل فاختفر ذلك وقال
+
+68
+00:07:35,070 --> 00:07:41,530
+بالجواز مع كونه يحقق مصالح للناسولذلك بقيت
+
+69
+00:07:41,530 --> 00:07:47,110
+المنافسة أو بقيت السجال بين القائلين بالجواز
+
+70
+00:07:47,110 --> 00:07:53,250
+والقائلين بالحرمة بعد عرض الأدلةحقيقة نقف قليلا
+
+71
+00:07:53,250 --> 00:07:59,590
+عند المناقشة .. مناقشة كل .. أدلة كل فريق لنصل بعد
+
+72
+00:07:59,590 --> 00:08:06,730
+ذلك إلى الرأي الراجح القائلون أيها الأخوة الكرام ب
+
+73
+00:08:06,730 --> 00:08:10,990
+.. القائلون
+
+74
+00:08:16,160 --> 00:08:20,480
+بالحرمة استدلوا بأدلة القائلون بالحرمة استدلوا
+
+75
+00:08:20,480 --> 00:08:24,420
+بأدلة القائلون بالجواز ناقشوا و ردوا على هذه
+
+76
+00:08:24,420 --> 00:08:27,880
+الأدلة احنا أول ما استعرضنا أدلة للقائلين بالحرمة
+
+77
+00:08:27,880 --> 00:08:32,820
+فالقائلون بالجواز قالوا لهم إن أدلتكم في الجملة
+
+78
+00:08:32,820 --> 00:08:39,690
+غير مسلمةلنا، لانسلموا بما استدلالتم به، أدلتكم في
+
+79
+00:08:39,690 --> 00:08:44,330
+ظاهرها، نعم، يعني صحيحة، لكنها لا تنطبق انطباقا
+
+80
+00:08:44,330 --> 00:08:51,210
+دقيقا على مسألتنا، صحيح إن الغرر محرم ونهي رسول
+
+81
+00:08:51,210 --> 00:08:54,550
+الله صلى الله عليه وسلم، نحن نقر بأن الربا محرم،
+
+82
+00:08:54,550 --> 00:09:01,960
+نقر بأن الغرريبطلوا المعاملة ويفسدوها لكن كل هذا
+
+83
+00:09:01,960 --> 00:09:07,240
+اللذي تقولون ليس موجودا وجودا حقيقيا في التأمين
+
+84
+00:09:07,240 --> 00:09:13,540
+أنتم تظنون ذلك و تعالوا نؤكد لكم ذلك أما مسألة
+
+85
+00:09:15,420 --> 00:09:20,000
+الغرر اللي بنيتم .. اللي أول ما استدلتم بيها و
+
+86
+00:09:20,000 --> 00:09:22,900
+قولتم بأنه .. مش أول ما استدلتوا قالوا هذا مش تمل
+
+87
+00:09:22,900 --> 00:09:27,720
+على الغرر بناء على ايه ماذا؟ بناء على أن أحد
+
+88
+00:09:27,720 --> 00:09:34,950
+الأيوابينمحتمل الوقوع وعدمه وإن وقع فإن تقديره
+
+89
+00:09:34,950 --> 00:09:39,470
+مجهول مش بناء على ذلك يقع الغرار كما قلنا كبير
+
+90
+00:09:39,470 --> 00:09:44,870
+السمك في الماء وطير في الهواء قالوا لا من قال لكم
+
+91
+00:09:44,870 --> 00:09:51,710
+أن الايوب الثاني هو مبلغ التأمين الذي تقوم به أو
+
+92
+00:09:51,710 --> 00:09:59,630
+تتعهد به شركة التأمينبل إن العيوب الثاني للقصب هو
+
+93
+00:09:59,630 --> 00:10:06,770
+ماذا؟ هو ذلك الأمان، هو ذلك الأمان الذي يتحققه
+
+94
+00:10:06,770 --> 00:10:15,270
+للمؤمن لها، المؤمن، المؤمن له يدفع قصب من التأمين
+
+95
+00:10:15,270 --> 00:10:24,220
+ويأخذ على الفور، شيئا محققا، وليس شيئا محتملايأخذ
+
+96
+00:10:24,220 --> 00:10:30,700
+الأمان بمجرد وجود هذا الصك أو هذا العقد ودفعه
+
+97
+00:10:30,700 --> 00:10:37,700
+للأقصاد، يتحقق له الأمن والأمان، إذا لا مجال للقول
+
+98
+00:10:37,700 --> 00:10:43,980
+بالغرض ولا مجال للقول بالاحتمال، فإن الأمن الذي
+
+99
+00:10:43,980 --> 00:10:51,120
+يتحققيتحقق بمجرد .. يعني ايه؟ بمجرد إتمام الصفقة
+
+100
+00:10:51,120 --> 00:10:57,000
+صفقة العقد ومجرد التوقيع على عقد التامين فلا مجال
+
+101
+00:10:57,000 --> 00:11:02,600
+بعد ذلك للقول بالغرار وهذا فيه رد آخر على أن القول
+
+102
+00:11:02,600 --> 00:11:09,030
+ببيع الأمان ممكن أن يقال فإن بيع الأمان مخذورفيقال
+
+103
+00:11:09,030 --> 00:11:15,090
+لهم وإن بيع الأمن ليس محظورا إن الأمن له تقدير
+
+104
+00:11:15,090 --> 00:11:24,690
+مادي كبير لا يقل عن تقدير الأمور الماديةانظروا
+
+105
+00:11:24,690 --> 00:11:29,150
+وربما قلت لكم قبل ذلك انظروا إلى الحارس الذي يأخذ
+
+106
+00:11:29,150 --> 00:11:34,550
+أجرة يومية أو شهرية ماذا يقدم لصاحب الشيء المحروس
+
+107
+00:11:34,550 --> 00:11:40,810
+الأمن وماذا يأخذ مقابل ذلك مالا يأخذ مقابل ذلك
+
+108
+00:11:40,810 --> 00:11:47,490
+مرتبة إذا الأمن يجوز ولم يقول لم نرا أحدا يقول بأن
+
+109
+00:11:47,490 --> 00:11:55,030
+أجرة الحارس أو أجرة رجل الأمنمحرمة هذا يقدم أمنا
+
+110
+00:11:55,030 --> 00:12:02,890
+يقدم أمنا ويستحق بدل هذا الأمن أن يأخذ أجرا وشركة
+
+111
+00:12:02,890 --> 00:12:10,670
+التأمين تقدم أمنا وأمانا واطمئنا للمؤمن
+
+112
+00:12:10,670 --> 00:12:18,650
+له فتستحق بدل عن ذلك أن تأخذ قصطا من المال فأين
+
+113
+00:12:18,650 --> 00:12:21,110
+الغرر اذا لا غرر نعم
+
+114
+00:12:28,410 --> 00:12:34,770
+بتأكيد في نوع اختلاف، نوع اختلاف، لكن في النهاية
+
+115
+00:12:34,770 --> 00:12:41,350
+النتيجة، النتيجة أنت انظر، بمجرد ما تأخذ العقد،
+
+116
+00:12:41,350 --> 00:12:47,020
+عقد التميم بين إيديك، أنت بالفعل تستشعر بالأمنو
+
+117
+00:12:47,020 --> 00:12:53,940
+بالارتياح قبل ذلك أنت كنت مستشعر بالاضطراب والخوف
+
+118
+00:12:53,940 --> 00:12:59,040
+ولذلك يا أخو أغلب أوادة الطرق التي تحدث تجدها من
+
+119
+00:12:59,040 --> 00:13:04,420
+غير المؤمنين لأنهم غير .. لأنهم مضطربين لأنهم
+
+120
+00:13:04,420 --> 00:13:08,540
+خايفين وفي حالة الاضطراب وفي حالة الخوف لايستطيع
+
+121
+00:13:08,540 --> 00:13:13,660
+الإنسان أن يتحكم في قدراته وعقليته لأنه بيكون يعني
+
+122
+00:13:13,660 --> 00:13:21,450
+سارحيعني شاتت زي ما بقوله خايف من من الحوادث لكن
+
+123
+00:13:21,450 --> 00:13:26,510
+في حالة الأمن التي تحقق بهذا العقد تهدأ نفسه
+
+124
+00:13:26,510 --> 00:13:32,530
+ويستطيع ان يمارس حياته بشكل طبيعي ويمارس سياقته
+
+125
+00:13:32,530 --> 00:13:38,530
+بكامل قدراته وبالتالي يتجنب الالاضرار وتجنب
+
+126
+00:13:38,530 --> 00:13:46,090
+الحوادث صحيح الفئل الحارسي يعني كما يعني يبدو جهدا
+
+127
+00:13:46,090 --> 00:13:55,010
+ووقتا ايضا شركة التأمين هي يعني تضع الموضوعتوظف
+
+128
+00:13:55,010 --> 00:14:00,110
+الموظفين وتظل ساهرة على استقباله يعني هي ايضا تبدل
+
+129
+00:14:00,110 --> 00:14:05,570
+جهدا يمكن ان يقال وان كان مختلفا عن ذلك الجهد
+
+130
+00:14:05,570 --> 00:14:10,490
+اللذي يقدمه الحارس او ذلك الجهد اللذي يقدمه رجل
+
+131
+00:14:10,490 --> 00:14:15,250
+الأمن يعني انا حتى من ذأه لأخرى يا اخوة انظروا كيف
+
+132
+00:14:15,250 --> 00:14:20,330
+ان الأمن يمكن ان يجلب الأموال الكثيرة ويحقق مالا
+
+133
+00:14:20,330 --> 00:14:28,660
+فيستحق الدولة التيالتي تحقق مستوى أعلى من الأمن في
+
+134
+00:14:28,660 --> 00:14:35,800
+بلادها تجلب استثماراغير السياح، السياح طبعا
+
+135
+00:14:35,800 --> 00:14:40,020
+استثمار، الاستثمار يجري ورا الأمن، إذا فقد الأمن
+
+136
+00:14:40,020 --> 00:14:44,500
+فقد الاستثمار، ليس من أحد مستعد أن يستثمر ماله في
+
+137
+00:14:44,500 --> 00:14:52,600
+بلد مضطرب، فالأمن حقيقيا له تقدير كبير، ولذلك يا
+
+138
+00:14:52,600 --> 00:14:59,280
+أخوةكما قلت قديما من أهم ما .. ما امتنى الله عز
+
+139
+00:14:59,280 --> 00:15:06,000
+وجل به من النعم والمنن على القريش الأمن إلى جانب
+
+140
+00:15:06,000 --> 00:15:11,400
+الأطعام، أمرين لاينفصلان، الذي أطعمهم من جوع و
+
+141
+00:15:11,400 --> 00:15:17,240
+آمنهم من خوفمدّي معنى الأمر يعني هم في مستوى واحد
+
+142
+00:15:17,240 --> 00:15:21,920
+على كل هذا يعني يا أخو هذا رد لكن ليس بالضرورة أن
+
+143
+00:15:21,920 --> 00:15:27,400
+يكون هذا الرد يعني قطعيا هذه سجالات ومن هنا احنا
+
+144
+00:15:27,400 --> 00:15:33,140
+في النهاية بنقول ان الأراء ظنية وليس قطعية لا نقطع
+
+145
+00:15:33,140 --> 00:15:40,030
+بالتحريم ولا نقطع بالجوازيبقى القول كل قول منسوب
+
+146
+00:15:40,030 --> 00:15:46,050
+لصاحبه بحسب ما ترجح لديه ونحن نحاول أن نرجحه ان
+
+147
+00:15:46,050 --> 00:15:50,670
+شاء الله ما يعني نراه مناسبا إذا هذا بالنسبة
+
+148
+00:15:50,670 --> 00:15:54,770
+للدليل الأول الذي استدل به القائلون بالتحريم أما
+
+149
+00:15:54,770 --> 00:16:03,830
+مسألة الربا التي استدلوا بهافقالوا ان الربا في
+
+150
+00:16:03,830 --> 00:16:11,570
+حقيقته وصورته الذي المحرم يختلف كثيرا عن مسألة
+
+151
+00:16:11,570 --> 00:16:21,540
+التامين في الربا لا يسأل المرابيالطرف الآخر فيما
+
+152
+00:16:21,540 --> 00:16:28,040
+دفع أو فيما أخذ فقط في حالة الربا أنت تقترض الألف
+
+153
+00:16:28,040 --> 00:16:34,180
+دينار أو الألف دولار لتسددها
+
+154
+00:16:34,180 --> 00:16:37,680
+بعد عام ألف و مائة أو ألف و متين لا يسألك أين
+
+155
+00:16:37,680 --> 00:16:44,870
+ستستثمرها ولا من أجل كده ولاتأخذها لتقامر فيها،
+
+156
+00:16:44,870 --> 00:16:49,950
+تأخذها لتستثمر فيها، تأخذها لتبني، تأخذها لتتزوج،
+
+157
+00:16:49,950 --> 00:16:54,810
+لا يهمهم، ولا يسأل عن ذلك، ولكن التأمين مسألة
+
+158
+00:16:54,810 --> 00:17:01,210
+مختلفة تماما، التأمين إنما يدفع ذلك من أجل تحقيق
+
+159
+00:17:01,210 --> 00:17:09,800
+هدف، وهو ترميم الأضرارأين الربا من الأضرار؟ بل
+
+160
+00:17:09,800 --> 00:17:13,820
+الربا يزيد في الأخطار والأضرار لكن هنا نحن في عقد
+
+161
+00:17:13,820 --> 00:17:19,180
+التأمين حتى وإن حدث شكل من أشكال يعني صورة الربا
+
+162
+00:17:19,180 --> 00:17:24,100
+الظاهرة لكن الأمور بما قصدها في حقيقة الأمر فيه
+
+163
+00:17:24,100 --> 00:17:28,310
+هناك شيءفي هناك هدف في هناك غاية من أجلها كان
+
+164
+00:17:28,310 --> 00:17:33,830
+التأمين اللي هو ترميم الأضرار والأخطار وإنقاذ
+
+165
+00:17:33,830 --> 00:17:40,810
+الشخص من موقف عصيب قد يؤدي به إلى تدمير حياتي على
+
+166
+00:17:40,810 --> 00:17:47,010
+طول الوقت إذا لم يجد من يقف بجانبه أو إذا لم تقوم
+
+167
+00:17:47,010 --> 00:17:54,710
+شركة التأمينأين نحن؟ الربا معروفة أضراره ويسببه
+
+168
+00:17:54,710 --> 00:17:59,130
+زيادة في الفقر وزيادة في الهوى بين الأغنياء
+
+169
+00:17:59,130 --> 00:18:05,650
+والفقراء زيادة في البطالة لكن التأمين العكس
+
+170
+00:18:05,650 --> 00:18:10,370
+التأمين مظهر من مظاهر التعاون طبعا هذا ما قالوه
+
+171
+00:18:10,370 --> 00:18:15,910
+نحن لأننا تحدث بلسانهم أما بالنسبة لمسألة الميسر
+
+172
+00:18:15,910 --> 00:18:22,590
+فكذلك الحالأيضا في مسألة القمار والميسر يعني في
+
+173
+00:18:22,590 --> 00:18:27,450
+مسألة القمار والميسر المقامرة التي حرمها الله
+
+174
+00:18:27,450 --> 00:18:35,950
+سبحانه وتعالى يعني هي ضرر محضن يعود على الأمة
+
+175
+00:18:35,950 --> 00:18:43,210
+ويعود على المقامرين بالخسارة ويترتب على ذلك نزاع
+
+176
+00:18:43,210 --> 00:18:49,730
+وترتب على ذلكأحقاد وهي مترتبة على حظوظ ومصادفات
+
+177
+00:18:49,730 --> 00:18:59,010
+محدة يعني خالصة بهذا كله يختلف عن مسألة التأمين
+
+178
+00:18:59,010 --> 00:19:06,190
+التي يعني الحادث فيها غالبالحادث فيها والأضرار
+
+179
+00:19:06,190 --> 00:19:10,990
+فيها غالبا ليس بالنظر إلى الفرد ولكن بالنظر إلى
+
+180
+00:19:10,990 --> 00:19:15,510
+المجموع نحن في كل يوم لو فتحت الراديو أو التلفاز
+
+181
+00:19:15,510 --> 00:19:19,370
+أو الجريدة في صفحة خاصة صفحة الحوادث كل يوم
+
+182
+00:19:19,370 --> 00:19:23,730
+مابخلقاش يوم إلا في حوادث على الطرق بغض النظر هذا
+
+183
+00:19:23,730 --> 00:19:28,670
+الحادث أصاب من أصاب هذا أو ذاك إذن في أننا شبه
+
+184
+00:19:28,670 --> 00:19:33,560
+يقين إن في حوادث كل يوم بتحدثفهذه الحوادث التي
+
+185
+00:19:33,560 --> 00:19:41,540
+تحدث تحتاج إلى من يقف لمساعدة
+
+186
+00:19:41,540 --> 00:19:47,340
+أصحابها بغض النظر من هم وهذا يحتاج إلى مظهر تنظيمي
+
+187
+00:19:47,830 --> 00:19:52,590
+هذا المظهر التنظيمي تشكل في التأمين أو في اتعاقد
+
+188
+00:19:52,590 --> 00:20:00,110
+التأمين التجاري الذي تقوم به هذه الشركات بالنسبة
+
+189
+00:20:00,110 --> 00:20:05,110
+لكل فرد من الأفراد الأمر غير متويقن وغير متوقع لكن
+
+190
+00:20:05,110 --> 00:20:09,870
+.. لكن لا .. لا .. لا يقاس ولا علاقة له بالقمار
+
+191
+00:20:09,870 --> 00:20:16,830
+ولا علاقة له بالميسر خاصة وأننا نجد كما قلتمظهرا
+
+192
+00:20:16,830 --> 00:20:24,230
+نجدوا الحوادث تحدث أمام عيوننا كل يوم وإن لم نقم
+
+193
+00:20:24,230 --> 00:20:30,510
+بتنظيم معين أو بعقد معينة فإن هذا سيؤدي إلى مزيد
+
+194
+00:20:30,510 --> 00:20:38,310
+من المفاسد وإلى مزيد من الأخطار ولذلك فإن عقد
+
+195
+00:20:38,310 --> 00:20:43,070
+التأمين التجاري يبقى يعني مظهرا من مظاهر إنقاذ
+
+196
+00:20:43,070 --> 00:20:47,080
+الناس من الكوارث التي تصيبهمومظهرا من مظاهر
+
+197
+00:20:47,080 --> 00:20:56,300
+تعاونهم أما مسألة التأمين وأنه يشكل تعد للقدر
+
+198
+00:20:56,300 --> 00:21:03,420
+الإلهي فهذا أمر يعني بعيد كل البعد فهؤلاء يقولون
+
+199
+00:21:03,420 --> 00:21:09,880
+نحن كلنا مسلمون نؤمن بقضاء الله وبقدره وأن لكل أجر
+
+200
+00:21:09,880 --> 00:21:17,000
+كتاب وأنهكل .. لكل إنسان لن يستطيع أحد أن يقدم
+
+201
+00:21:17,000 --> 00:21:22,780
+لحظة من عمره أو يؤخر وما .. ولكن نما .. إنما نحدد
+
+202
+00:21:22,780 --> 00:21:27,940
+هذه الأقصاد بناء على إحصائيات معينة على ما سبق
+
+203
+00:21:27,940 --> 00:21:32,980
+وليس على ما سيأتيبناء على احصائيات موجودة في
+
+204
+00:21:32,980 --> 00:21:38,000
+السنوات السابقة ماذا كان يحدث؟ ما عدد الحوادث؟ نحن
+
+205
+00:21:38,000 --> 00:21:44,420
+نقدر وليس من باب العلم ولا من باب التدبُق ولا من
+
+206
+00:21:44,420 --> 00:21:51,020
+باب العلم بالغاية نحن نبني هذه التوقعات على أشياء
+
+207
+00:21:51,020 --> 00:21:55,400
+واقعة على أشياء حادثة على سنوات سابقة كم عدد
+
+208
+00:21:55,400 --> 00:22:00,940
+الحوادث التي سبقت كم عدد الكوارثو بناء عليها نحن
+
+209
+00:22:00,940 --> 00:22:09,360
+نقرر قيمة القسط و نضع البنود فهي من باب التخطيط و
+
+210
+00:22:09,360 --> 00:22:13,020
+من باب دراسة الجدوة أليس كل من يريد أن يعمل مشروعا
+
+211
+00:22:13,020 --> 00:22:18,880
+تجاريا أيا كان يضع خطة و ينظر من حوله و ينظر إلى
+
+212
+00:22:18,880 --> 00:22:25,410
+من سبقهولا لا وكذلك شركات التأمين عندما تقوم بهذه
+
+213
+00:22:25,410 --> 00:22:30,330
+العمليات في الفحوصات والدراسات يعني لكي تستقرق
+
+214
+00:22:30,330 --> 00:22:34,710
+المستقبل وليس لتتنبأ في علم الغيب يعني هي تستقرق
+
+215
+00:22:34,710 --> 00:22:41,430
+المستقبل ومع ذلك فإن عندها اليقين بأن المستقبل بيد
+
+216
+00:22:41,430 --> 00:22:46,940
+اللهلكن هذه رهاصات والله عز وجل قد جعل لكل شيء سبب
+
+217
+00:22:46,940 --> 00:22:52,200
+أسباب ومسببات يعني إلا في حالات معينة في مفاجئات
+
+218
+00:22:52,200 --> 00:22:56,560
+بتصير لكن في الأعامل أغلب الحياة أيها الأخوة تسير
+
+219
+00:22:56,560 --> 00:23:04,600
+على سنن كونية المزارع يزرع بذرته ويسقي ويسقيها
+
+220
+00:23:04,600 --> 00:23:11,990
+ويتعاهدها فإذا هي تنبت وتثمرو .. و في الغالب ..
+
+221
+00:23:11,990 --> 00:23:16,370
+يعني في الغالب لا نجد أيها الأخوة مزارعا يتأهد
+
+222
+00:23:16,370 --> 00:23:21,510
+بذرته و زراعته إلا وينجح .. إلا في حالات نادرة،
+
+223
+00:23:21,510 --> 00:23:28,980
+والنادر ولا حكم لهإذا نحن وفق سنة كونية وليس من
+
+224
+00:23:28,980 --> 00:23:34,160
+باب التعهد وليس من باب التحدي ولا من باب عدم
+
+225
+00:23:34,160 --> 00:23:37,820
+الإيمان بالقضاء والقدر فهذا كل كل كلامكوا يعني
+
+226
+00:23:37,820 --> 00:23:45,060
+مردود كأنهم يريدون القول أما بالنسبة لمثلة المفاسد
+
+227
+00:23:45,060 --> 00:23:49,780
+فإذا نظرنا إذا قلتوا بأن ثمة مفاسد فإن المصالح
+
+228
+00:23:49,780 --> 00:23:54,540
+المجنية حتى وإن وجدت مفاسدفإن المصالح المجنية
+
+229
+00:23:54,540 --> 00:24:00,480
+والمترتبة على أكبرنقول بوجود مفاسد لكنها نادرة
+
+230
+00:24:00,480 --> 00:24:07,260
+وقليلة ولا اعتبار لها أمام تلك المصالح الكبيرة
+
+231
+00:24:07,260 --> 00:24:14,960
+التي شعر بها الناس وحس بها الناس ومن أجل ذلك هم
+
+232
+00:24:14,960 --> 00:24:20,900
+أقبلوا على مدار هذه اليقود من السنوات على التأمين
+
+233
+00:24:20,900 --> 00:24:25,830
+لأنهم شعروا بالمصطحىالمتحققة للجميع للأفرد و
+
+234
+00:24:25,830 --> 00:24:32,030
+للمجتمع و للدولة و للناس جميعا
+
+235
+00:24:32,030 --> 00:24:38,450
+و بالطبع إذا كانت طرفه الآخر أو العمض الآخر هو
+
+236
+00:24:38,450 --> 00:24:45,050
+الأمن لم يعد أمر أو دليل الدين بالدين ينصح به هنا
+
+237
+00:24:45,050 --> 00:24:51,730
+لأنه لم يعد مال بمال و إنما مال مقابل أمنو من هنا
+
+238
+00:24:51,730 --> 00:24:56,850
+يعني نستطيع نقول أن أصحاب الفريق الثاني حاولوا
+
+239
+00:24:56,850 --> 00:25:02,130
+يردوا على كل ما استدلوا به بأدلة فيها نوع من
+
+240
+00:25:02,130 --> 00:25:09,330
+المنطقية و مما يعني يجعل القول بالتحريم محل نظر
+
+241
+00:25:09,330 --> 00:25:13,930
+أما
+
+242
+00:25:13,930 --> 00:25:17,170
+القائلون بالتحريم
+
+243
+00:25:19,540 --> 00:25:25,280
+فقد ردوا على أدلة القائلين من جيلتهم فقد ردوا
+
+244
+00:25:25,280 --> 00:25:31,520
+حاولوا يردوا ويناقشوا ويقطلوا ويضاعفوا أدلة
+
+245
+00:25:31,520 --> 00:25:37,820
+القائلين بالجواز لكي يقوى لأنه انت كلما أضعفت دليل
+
+246
+00:25:37,820 --> 00:25:43,440
+الخصم أو دليل الفريق الآخر كلما قوية لك قوية حجتك
+
+247
+00:25:43,810 --> 00:25:54,110
+وقوى رأيك ودليله فهم الآخرون لم يقفوا ساكتين أمام
+
+248
+00:25:54,110 --> 00:26:01,070
+أدلة الآخرين بل ردوا عليها جميعا ردوا عليها جميعا
+
+249
+00:26:05,410 --> 00:26:10,730
+وهذه كما قلت الردود اجمالا تؤكدنا يعني الادلة
+
+250
+00:26:10,730 --> 00:26:16,710
+والردود والمناقشات على ان المسألة اجتهادية وظنية
+
+251
+00:26:16,710 --> 00:26:24,670
+وليس من حسم او جزمة بحرمتها اما
+
+252
+00:26:24,670 --> 00:26:30,050
+بالنسبة احنا قلنا تلت ادلة يعني في الجملة اما دليل
+
+253
+00:26:30,050 --> 00:26:33,650
+ان الاصطف المعاملات الإباحة قالوا نعم الاصطف
+
+254
+00:26:33,650 --> 00:26:43,560
+المعاملات الإباحةلكن هنا قد ورد ما يدل على
+
+255
+00:26:43,560 --> 00:26:50,260
+التحريم، وليس بالضرورة أن يرد نص باسم المعاملة،
+
+256
+00:26:50,260 --> 00:26:57,580
+فيكفي أن يرد نص بالمعنى الذي تقوم عليه المعاملةو
+
+257
+00:26:57,580 --> 00:27:04,420
+هذه المعاملة تقوم على الغرر والربا والقمار وكله
+
+258
+00:27:04,420 --> 00:27:13,920
+محرم فينطبق عليها ما ينطبق على الربا والغرر
+
+259
+00:27:13,920 --> 00:27:21,790
+والقمار من التحريقإذن هم لا يخلفون القاعدة لأن
+
+260
+00:27:21,790 --> 00:27:27,050
+القاعدة متفق عليها لأصل في المعاملة الإباحة ما لم
+
+261
+00:27:27,050 --> 00:27:30,490
+يرد نص هم بيقولوا لما احنا نقول ما لم يرد نص
+
+262
+00:27:30,490 --> 00:27:34,970
+بالتحريم لما لم يرد نص أو ما في معناه لم يرد نص
+
+263
+00:27:34,970 --> 00:27:40,950
+صحيح بتحريم عقد التأمين لكن ورد نص يدلل على أن
+
+264
+00:27:40,950 --> 00:27:47,800
+المعنى الذيقامت عليه عقود التأمين موجود في عقود
+
+265
+00:27:47,800 --> 00:27:53,340
+منصوص عليها كالربا والغرر وإلى غير ذلك إذا لم تعد
+
+266
+00:27:53,340 --> 00:27:59,680
+هذه القاعدة تنطبق على مسألتنا مسألة المصطحى قلتم
+
+267
+00:27:59,680 --> 00:28:06,440
+المصطحى تنطبق وقلنا المفسدة ونحن في نظرنا أن
+
+268
+00:28:06,440 --> 00:28:17,960
+المفسدةيعني تزيدوا كثيرا على المصالح المتحققة خاصة
+
+269
+00:28:17,960 --> 00:28:24,000
+أن هذه المصالح التي تتحقق جراء تأمينكم هذا التجاري
+
+270
+00:28:24,000 --> 00:28:26,120
+يمكن أن نجد لها بديلا
+
+271
+00:28:28,710 --> 00:28:33,630
+مش يعني انه مافيش بديل، فيه بديل دون أن تترتب على
+
+272
+00:28:33,630 --> 00:28:38,850
+ذلك تلكم المفاسد، فعندما نجد أن هذه المفاسد
+
+273
+00:28:38,850 --> 00:28:44,670
+الكثيرة والتي ذكرناها من قبل و لداني أعدادها، وأن
+
+274
+00:28:44,670 --> 00:28:49,390
+هذه المصالح يمكن الاستعابة عنهابأشكال أخرى من
+
+275
+00:28:49,390 --> 00:28:57,330
+أشكال التأمين المباح التعاوني التبادل أو الذكوات
+
+276
+00:28:57,330 --> 00:29:05,130
+أو إلى غير ذلك فلا يبقى هناك مجال للقول بالتأمين
+
+277
+00:29:05,130 --> 00:29:10,110
+التجاري الذي على الأقل يبقى وفق هذه المفاسد محل
+
+278
+00:29:10,110 --> 00:29:18,840
+شبهات ثالثا اللي هو القياسالقياس يا إخوة هناك يعني
+
+279
+00:29:18,840 --> 00:29:26,220
+من ردين أو هناك ردان رد إجمالي و رد تفصيلي الرد
+
+280
+00:29:26,220 --> 00:29:31,800
+الإجمالي على كل هذه الصور القياس كلمة واحدة بالفعل
+
+281
+00:29:31,800 --> 00:29:36,980
+القياس مع الفارق أنتم القايلون بالجواز كان دليلهم
+
+282
+00:29:36,980 --> 00:29:46,010
+إيش؟ القياس على صور يعني جائزة أو أجازة للعلماءأو
+
+283
+00:29:46,010 --> 00:29:51,450
+بعضهم قال كلهم أو بعضهم فوذكروا
+
+284
+00:29:51,450 --> 00:29:57,270
+هذه الصور القيلوا بالجواز وبيّنوا وجهها الشبه فيها
+
+285
+00:29:57,270 --> 00:30:03,390
+ردوا عليهم برد إجمالي قالوا القياس في جميع هذه
+
+286
+00:30:03,390 --> 00:30:10,390
+الصور مع الفارق بمعنى يعني أن القياس لا يستقيم
+
+287
+00:30:12,580 --> 00:30:20,160
+ولا ينضبط هنا فإن القياس الصحيح ينبغي أن تتوفر فيه
+
+288
+00:30:20,160 --> 00:30:26,980
+يعني أركانه وشروطه الكاملة وهنا لو نظرنا وعند
+
+289
+00:30:26,980 --> 00:30:33,320
+التفصيل سنجد أنه في كل قياس سيفتقد بعض الأركان أو
+
+290
+00:30:33,320 --> 00:30:36,800
+بعض الشروط التي ينبغي أن تتوفر في القياس لكي يكون
+
+291
+00:30:36,800 --> 00:30:44,010
+القياس صحيحا وينسحب عليه حكم الأصلكيف ذلك؟ تعالوا
+
+292
+00:30:44,010 --> 00:30:50,210
+نرى، أما في القياس على عقد الموالاة، مش هو أول
+
+293
+00:30:50,210 --> 00:30:55,640
+قياساعتمدوا عليه قالوا بأن عقد القياس بأن عقد
+
+294
+00:30:55,640 --> 00:31:02,040
+التأمين يشبه عقد المولاء من حيث ان هناك فيه طرفين
+
+295
+00:31:02,040 --> 00:31:05,400
+و هنا فيه طرفين مؤمن و مأمن له و هناك فيه ولي و
+
+296
+00:31:05,400 --> 00:31:14,040
+مولى و مبلغ تأمين و قصة تأمين و هناك فيه الميراث و
+
+297
+00:31:14,040 --> 00:31:19,600
+فيه اللي هو التعهد بدفع
+
+298
+00:31:22,980 --> 00:31:32,400
+الحماية أو العقل عن الجناية في حالة وقوعها فمن أجل
+
+299
+00:31:32,400 --> 00:31:37,900
+ذلك قالوا بالجواز وأن الأمر فود عليهم القائلون
+
+300
+00:31:37,900 --> 00:31:41,460
+بتحريم
+
+301
+00:31:41,460 --> 00:31:42,340
+بأن
+
+302
+00:31:44,660 --> 00:31:53,200
+بأن هذا القياس غير صحيح من حيث إن هدف كل منهم
+
+303
+00:31:53,200 --> 00:32:00,460
+مختلف من حيث إن هدف كل منهم مختلف أين الاختلاف؟
+
+304
+00:32:00,460 --> 00:32:07,010
+هدف التأمين التجاري إيش؟التجاري الربح والاستثمار
+
+305
+00:32:07,010 --> 00:32:12,390
+ليس الا وهذا الربح طبعا واحد يقول يوهل في
+
+306
+00:32:12,390 --> 00:32:18,030
+الاستثماري مشكلة؟ لأ مافيش مشكلة لكن إنما نقول إن
+
+307
+00:32:18,030 --> 00:32:22,190
+الاستثمار يصبح فيه مشكلة ويكون محرما عندما تكون
+
+308
+00:32:22,190 --> 00:32:26,870
+الوسائل المتخذة كذلكوالوسائل المتخدة هنا قائمة على
+
+309
+00:32:26,870 --> 00:32:30,910
+الغر كما قالوا إذا استثمار وفي نفس الوقت فيه غرر
+
+310
+00:32:30,910 --> 00:32:38,710
+وفيه صفة شبهة الربة وشبهة القمر يصبح هنا مشكلة لكن
+
+311
+00:32:38,710 --> 00:32:45,710
+هناك في عقد المولاة يعني عقد المولاة حقيقة يختلف
+
+312
+00:32:45,710 --> 00:32:49,810
+كثيرا فهو مظهر من مظاهر الولاء ومظهر من مظاهر
+
+313
+00:32:49,810 --> 00:32:55,410
+الانتماء ومظهر من مظاهر النصرةبين الناس، بين إنسان
+
+314
+00:32:55,410 --> 00:32:59,730
+شريد، طريد، لا يجدوا ملجأ، لا يجدوا أسرة يلتجوا
+
+315
+00:32:59,730 --> 00:33:05,670
+إليها فهذه الأسرة تضمه بين كنافيها ويصبح كأنه أحد
+
+316
+00:33:05,670 --> 00:33:11,130
+أفرادها وينسحب عليهم ينسحب على أفرادها وكل فرد من
+
+317
+00:33:11,130 --> 00:33:16,450
+أفراد الأسرة أيها الأخوة ميراثه لأسرتهوإذا ..
+
+318
+00:33:16,450 --> 00:33:22,010
+لاحظوا .. وإذا جنى أحد أفرادها فإن جنايته من الذي
+
+319
+00:33:22,010 --> 00:33:26,510
+يتكفلها أيضا أسرته فهو يصبح كأنه فرد من أفراد
+
+320
+00:33:26,510 --> 00:33:30,270
+الأسرة فكأن
+
+321
+00:33:30,270 --> 00:33:37,110
+عقد المولا مظهر من مظاهر النصرة ومظهر من مظاهر
+
+322
+00:33:37,110 --> 00:33:45,160
+التكافل الاجتماعيبخلاف وليس يعني ايه أمرا تجاريا
+
+323
+00:33:45,160 --> 00:33:51,560
+وليس المقصود منه هدف تجاري هذا من جهة من جهة أخرى
+
+324
+00:33:51,560 --> 00:33:56,720
+أيها الإخوة الكرام من جهة أخرى يعني في الرد انه
+
+325
+00:33:56,720 --> 00:34:05,180
+حتى مع ذلك فإن من قال بجواز عقد المولاء هو يعني
+
+326
+00:34:05,180 --> 00:34:11,330
+بعض العلماء فقطبعض العلماء فقط والاصل أن تكون
+
+327
+00:34:11,330 --> 00:34:17,760
+المسألة المقيس عليها متفق عليهايعني صار الرد من
+
+328
+00:34:17,760 --> 00:34:22,300
+وجهين، الرد من وجهين، أصل المسألة مختلف فيها
+
+329
+00:34:22,300 --> 00:34:29,700
+فالقياس لا يصح، وإن سلمنا بأن المسألة متفق عليها
+
+330
+00:34:29,700 --> 00:34:37,240
+فإن فحوة كل ومضمون وهدف وغاية كل منها العقبين
+
+331
+00:34:37,240 --> 00:34:41,420
+مختلف عن الآخر، فهذا استثماري ربحي قايم على الغرر
+
+332
+00:34:41,420 --> 00:34:47,510
+والربحوهذا اجتماعي،
+
+333
+00:34:47,510 --> 00:34:53,850
+أسري، تماثري، ليس قائم على الربح وليس الهدف منه،
+
+334
+00:34:53,850 --> 00:34:58,930
+ولكن الفرد فيها في وفق عقد الموالاة يصبح كأنه فرد
+
+335
+00:34:58,930 --> 00:35:03,670
+من أفراد الأسرة له ما له وعليه ما عليهله حقوق
+
+336
+00:35:03,670 --> 00:35:11,990
+وعليه واجبات وهذا ينتج عنه أن يصبح ميراثه لأسرته
+
+337
+00:35:11,990 --> 00:35:18,430
+الجديدة واسرته في المقابل كما أي فرد تتعهد بأن
+
+338
+00:35:18,430 --> 00:35:25,130
+تحميه وأن تدفع وتدافع عنه أما بالنسبة للنظام
+
+339
+00:35:25,130 --> 00:35:25,650
+العاقل
+
+340
+00:35:28,210 --> 00:35:34,350
+فنظام العقل يا إخوان صحيح نظام العقل متفق عليه لكن
+
+341
+00:35:34,350 --> 00:35:38,610
+القياس مع الفارق من وجه آخر ليس من وجه أن المسألة
+
+342
+00:35:38,610 --> 00:35:43,730
+مختلف فيها المسألة متفق عليها ولو كانت حقيقة
+
+343
+00:35:43,730 --> 00:35:49,950
+التأمين التجاري تشبه حقيقة العقل لما
+
+344
+00:35:49,950 --> 00:35:55,570
+كان هناك مجال للمناقشةلكن حقيقة التأمين التجاري
+
+345
+00:35:55,570 --> 00:36:00,610
+مرة أخرى نقول هنا تختلف عن حقيقة نظام العقل نظام
+
+346
+00:36:00,610 --> 00:36:07,250
+العقل أسرة واحدة دم واحد يجمعهم لكن هؤلاء انظروا
+
+347
+00:36:07,250 --> 00:36:13,190
+الى هؤلاء المشتركين الذين شبهوهم بأفراد العائلة لا
+
+348
+00:36:13,190 --> 00:36:17,410
+يعرفوا أحد أحده قرباه
+
+349
+00:36:18,340 --> 00:36:25,780
+الغاية هي المصلحة وليس شيئا غير المصلحة الشركة
+
+350
+00:36:25,780 --> 00:36:29,840
+التأمين غايتها ايضا الاستثمار فحقيقة التأمين
+
+351
+00:36:29,840 --> 00:36:35,680
+التجاري مختلف تماما مع حقيقة نظام العواقل نظام
+
+352
+00:36:35,680 --> 00:36:40,600
+العواقل مرة اخرى اقول هو نظام اجتماعيمقصود منه
+
+353
+00:36:40,600 --> 00:36:45,420
+التكافل والتراحم والتعاون لكن هناك نظام تجاري بين
+
+354
+00:36:45,420 --> 00:36:50,040
+أفراد لا يعرف بعضهم تجمعتهم المصلحة ونحن نقول لا
+
+355
+00:36:50,040 --> 00:36:55,980
+دأس أن تجمع المصلحة أفرادا متعددي لا يعرف بعضهم
+
+356
+00:36:55,980 --> 00:37:00,200
+بعضه ولكن ينبغي أن تقوم على أساس صحيح في هذه
+
+357
+00:37:00,200 --> 00:37:08,410
+الحالة لو كان هؤلاءالأساس الذي يجمعهم هو التعاون
+
+358
+00:37:08,410 --> 00:37:12,610
+والتبرؤ لقولنا بجواز ذلك ومن أجل ذلك قولنا بجواز
+
+359
+00:37:12,610 --> 00:37:16,690
+التعامل التعاوني ولكن هنا الأساس الذي يجمعهم إما
+
+360
+00:37:16,690 --> 00:37:24,630
+الاستثمار أو المصلحة ومن هنا اختلفت الصورة وعند
+
+361
+00:37:24,630 --> 00:37:30,590
+وجود الغرر لم يعد الغرر مغتفرا وعند وجود الربا لم
+
+362
+00:37:30,590 --> 00:37:35,120
+يعد الربا مغتفراوعند وجود مظهر المقامرة لم يعد هذا
+
+363
+00:37:35,120 --> 00:37:39,480
+كله مغتفر لأنه قائم على أقود معاوضات وأقود مصالح
+
+364
+00:37:39,480 --> 00:37:44,960
+واستثمار وليس على أقود تعاون وتكافل
+
+365
+00:37:46,380 --> 00:37:54,040
+أما بالنسبة لمسألة القياس على خطر الطريق اللي كنا
+
+366
+00:37:54,040 --> 00:37:59,060
+بنشوفه أو اللي كانت موجودة في ما قبل الإسلام و بعد
+
+367
+00:37:59,060 --> 00:38:04,580
+الإسلام و أجازها بعض العلماء
+
+368
+00:38:04,580 --> 00:38:11,140
+فإن الاختلاف أيضا من زاويتين الزاوية الأولى إن
+
+369
+00:38:11,140 --> 00:38:17,420
+المسألة محا الخلافأساسا وإن قلنا بجوازها حتى لو
+
+370
+00:38:17,420 --> 00:38:21,760
+سلمنا، وهذا تسليم جدلي يا إخوة، لو فرضنا أن الدمان
+
+371
+00:38:21,760 --> 00:38:27,440
+خطر الطريق جائز بالاتفاق، أيضا الأمر مختلف، لأن من
+
+372
+00:38:27,440 --> 00:38:34,000
+حيث ماذا مختلف؟من حيث إن عقد ضمان خطر الطريق ليس
+
+373
+00:38:34,000 --> 00:38:38,760
+قائم على أساس تبرع المحض فقط، واحد بيقولك اذهب
+
+374
+00:38:38,760 --> 00:38:43,940
+واسلك هذا الطريق وإنه آمن وإن حدث لك شيء أنا ضارب،
+
+375
+00:38:43,940 --> 00:38:49,460
+دون أن يأخذ مقابلإذا هو تبرع مخد لما نكون من طرف
+
+376
+00:38:49,460 --> 00:38:54,760
+واحد ولا لا، بخلاف التأمين التجاري الذي يرتبط
+
+377
+00:38:54,760 --> 00:39:02,150
+طباطا أكيدا ودقيقا ب .. بماذا؟ب .. ب .. ب .. ب ..
+
+378
+00:39:02,150 --> 00:39:04,010
+ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب ..
+
+379
+00:39:04,010 --> 00:39:04,010
+ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب ..
+
+380
+00:39:04,010 --> 00:39:09,490
+ب .. ب .. ب .. ب ..
+
+381
+00:39:09,490 --> 00:39:10,190
+ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب ..
+
+382
+00:39:10,190 --> 00:39:10,410
+ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب ..
+
+383
+00:39:10,410 --> 00:39:11,350
+ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب ..
+
+384
+00:39:11,350 --> 00:39:11,350
+ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب ..
+
+385
+00:39:11,350 --> 00:39:11,590
+ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب ..
+
+386
+00:39:11,590 --> 00:39:13,330
+ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب ..
+
+387
+00:39:13,330 --> 00:39:13,390
+ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب ..
+
+388
+00:39:13,390 --> 00:39:13,390
+ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب .. ب ..
+
+389
+00:39:13,390 --> 00:39:20,970
+ب .. ب .. ب .. ب ..
+
+390
+00:39:23,850 --> 00:39:27,970
+فليس هو مظهر من مظاهر التعاون بحلم أما هذا فإن
+
+391
+00:39:27,970 --> 00:39:33,230
+نخوة العربي هي التي دفعته يعني إلى هذا الضمان
+
+392
+00:39:33,230 --> 00:39:39,690
+وتشجيعه على أن يعني يؤدي مصالحه لأنه يعرف أن هذا
+
+393
+00:39:39,690 --> 00:39:47,450
+الطريق آمن وسالك أما بالنسبة لمسألة القياس على
+
+394
+00:39:47,450 --> 00:39:54,680
+التأمين وقياس التأمين على الوعد الملزمفهو أيضا
+
+395
+00:39:54,680 --> 00:40:01,460
+يعني قياس مع الفارق برضه من زاويتين، الزاوية
+
+396
+00:40:01,460 --> 00:40:05,120
+الأولى أن المثل محال الخلاف فاكرين لما نقولنا رأي
+
+397
+00:40:05,120 --> 00:40:12,220
+الجمهور أن الوعد غير ملزم، الوعد غير ملزم قضاء على
+
+398
+00:40:12,220 --> 00:40:18,270
+الأقل وإنما أدبا واستحباباأه لكن احنا الان ماتكلمش
+
+399
+00:40:18,270 --> 00:40:21,930
+عن أخلاقيات احنا بنتكلم عن الاتزامات لو شركة
+
+400
+00:40:21,930 --> 00:40:26,510
+التامين بطلت انا برفع عليها جضية و لو انا مادفعتش
+
+401
+00:40:26,510 --> 00:40:31,690
+شركة التامين بتجيبني تسحبني و بتدفعني ال cost اذا
+
+402
+00:40:31,690 --> 00:40:35,970
+انا ملتزم ب cost معين فالمسألة مسألة الاتزامات
+
+403
+00:40:37,630 --> 00:40:42,190
+فلمجال القيامة .. يعني أولا فالمثال .. مثال ..
+
+404
+00:40:42,190 --> 00:40:46,650
+مثال مختلف فيها و الرأي .. الرأي يعني مرجوح الرأي
+
+405
+00:40:46,650 --> 00:40:51,530
+الذي يقول ب .. ب .. ب .. بأن الالتزام او بأن
+
+406
+00:40:51,530 --> 00:40:55,270
+الوعدة ملزم رأي يعني يقول بالبعض و الجمهور لا
+
+407
+00:40:55,270 --> 00:41:03,530
+يقولون و هناك من فصل يعني كما قلناإضافة إلى أن
+
+408
+00:41:03,530 --> 00:41:09,890
+مسألة الوعد الملزم تختلف من حيث جوهرها وحقيقتها
+
+409
+00:41:09,890 --> 00:41:14,230
+كذلك عن التأمين التجاري، التأمين التجاري يبقى عقدا
+
+410
+00:41:14,230 --> 00:41:22,040
+استثمارياأما عقد الوعد الملزم فهو يعني انت شوفنا
+
+411
+00:41:22,040 --> 00:41:29,040
+احنا صورته واحد يتبرع تبرع بأن يدين شخصا او بأن
+
+412
+00:41:29,040 --> 00:41:37,420
+يهب له غبة مجرد وعد اذا هو وعد وعد احسان ووعد تصدق
+
+413
+00:41:37,420 --> 00:41:43,660
+من طرف واحد وهذا ليس بالضرورة ان يكون هناك يعني
+
+414
+00:41:43,660 --> 00:41:52,040
+مقابل لهفلا تقيسوا هذه على هذا الأمر مختلف فهذا
+
+415
+00:41:52,040 --> 00:41:58,690
+عقد تبرع وهذا عقد استثمارأخيرًا عقد قياس التأمين
+
+416
+00:41:58,690 --> 00:42:03,770
+على نظام التقاعد والمعاشات تقريبًا يعني نفس المعنى
+
+417
+00:42:03,770 --> 00:42:07,550
+هدف النظام التقاعد والمعاشات وإن كان متفق عليه لكن
+
+418
+00:42:07,550 --> 00:42:12,330
+مهما حاولتم أن تصوروا أن نظام التأمينات والتعم
+
+419
+00:42:12,330 --> 00:42:16,410
+والمعاشات يشبه نظام التأمين التجاري لكن في حقيقة
+
+420
+00:42:16,410 --> 00:42:20,900
+الأمر أن هناك اختلافأن هناك اختلاف على رأس هذه
+
+421
+00:42:20,900 --> 00:42:23,880
+الاختلاف أن نظام التقاعد والمعاشرات ليس نظاما
+
+422
+00:42:23,880 --> 00:42:28,480
+استثماريا بل والدليل على ذلك أن الدولة تأخذ منك
+
+423
+00:42:28,480 --> 00:42:39,160
+أقصاد وتضيف عليها من ماليتها أجزاء أخرى لتوفر ذلك
+
+424
+00:42:39,160 --> 00:42:43,920
+لك عند الحاجة عند الشيخوخة عند الإصابة عند ال ..
+
+425
+00:42:43,920 --> 00:42:49,790
+في أي تجارة هنا وأي استثمار؟فلا بأس اذا حتى عند
+
+426
+00:42:49,790 --> 00:42:55,090
+وجود بعض الاحتمالات مدام العقد وعقد تبرع وعقد
+
+427
+00:42:55,090 --> 00:43:01,270
+تعاون لا بأس ان يأخذ هذا اكثر من هذا او لا بأس ان
+
+428
+00:43:01,270 --> 00:43:07,170
+يعني يتم مثل هذا التعاقد وهذا بخلاف التأمين
+
+429
+00:43:07,170 --> 00:43:12,370
+التجاري اذا يا اخوة بدأ لنا واضحا يعني نقض
+
+430
+00:43:12,370 --> 00:43:19,080
+القائلين بالتحريم لادلة القائلين بالجواز ومن خلال
+
+431
+00:43:19,080 --> 00:43:23,520
+أو بعد استعراض كل هذه الأدلة و المناقشات و الردود
+
+432
+00:43:23,520 --> 00:43:30,740
+أنا استطيع القول بأن القول بالتحريم
+
+433
+00:43:30,740 --> 00:43:37,380
+غير مسلم كما أن القول بالجواز غير مسلم وأن عقود
+
+434
+00:43:37,380 --> 00:43:38,100
+التأمين
+
+435
+00:43:40,800 --> 00:43:47,100
+تختلفوا أحكامها باختلاف صورها كل صورة بحسبها فإذا
+
+436
+00:43:47,100 --> 00:43:54,960
+على سبيل المثال فإذا كانت العقود محلو إجبار فيتحمل
+
+437
+00:43:54,960 --> 00:44:02,420
+عبء ذلك وإثم ذلك من أجبر ومن لا يجبر والناس
+
+438
+00:44:02,420 --> 00:44:10,020
+المجبرون لا إثم عليهم في ذلكوأما بالنسبة لعقود
+
+439
+00:44:10,020 --> 00:44:16,380
+الاختيار فينظروا هنا في هذه الحالة لصورة العقد فما
+
+440
+00:44:16,380 --> 00:44:21,300
+كانت فيه المفاسد أكثر يقالوا بالتحريم وما كانت فيه
+
+441
+00:44:21,300 --> 00:44:24,500
+المصالح أكثر يقالوا بالحل
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0.srt
new file mode 100644
index 0000000000000000000000000000000000000000..2dbf75ad364faf30fe117947bd024ca03fee10bd
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0.srt
@@ -0,0 +1,1239 @@
+1
+00:00:20,670 --> 00:00:24,970
+الله الرحمن الرحيم الحمد لله والصلاة والسلام على
+
+2
+00:00:24,970 --> 00:00:30,090
+رسول الله وعلى آله وصحبه ومن اهتدى بهديه واستنى
+
+3
+00:00:30,090 --> 00:00:35,490
+بسنته إلى يوم الدين ربنا يسر لنا أمورنا واشرح لنا
+
+4
+00:00:35,490 --> 00:00:40,390
+صدورنا وعلّمنا ما ينفعنا وانفعنا بما علمتنا وزدنا
+
+5
+00:00:40,390 --> 00:00:43,030
+علما الإخوة الكرام
+
+6
+00:00:46,270 --> 00:00:52,690
+بعد أن انتهينا من الحديث عن المرابحة المصرفية أو
+
+7
+00:00:52,690 --> 00:00:59,950
+بيع المرابحة للآمر بالشراء على مدار محاضرات متعددة
+
+8
+00:01:01,510 --> 00:01:10,650
+وهي إحدى المعاملات التي تقوم بها البنوك الإسلامية
+
+9
+00:01:10,650 --> 00:01:19,570
+بقصد الاستثمار والتمويل وجذب الزبائن وغير ذلك، ثم
+
+10
+00:01:19,570 --> 00:01:23,670
+أو ننتقل للحديث اليوم بإذن الله سبحانه وتعالى،
+
+11
+00:01:23,670 --> 00:01:35,620
+ننتقل للحديث عن معاملة جديدة معاصرة بدأت
+
+12
+00:01:35,620 --> 00:01:44,480
+تتعامل بها البنوك الإسلامية وغيرها من المؤسسات
+
+13
+00:01:44,480 --> 00:01:48,580
+المالية توخياً
+
+14
+00:01:48,580 --> 00:01:51,720
+للتعامل
+
+15
+00:01:51,720 --> 00:01:56,180
+وفق الأحكام الشرعية ووفق الحلال، وبوّداً عن الربا
+
+16
+00:01:56,180 --> 00:02:04,470
+والمعاملات المحرمة. هذه المعاملة التي نريد أن نتحدث
+
+17
+00:02:04,470 --> 00:02:12,430
+عنها، وبدأت البنوك الإسلامية تتعامل بها، هي الإيجارة
+
+18
+00:02:12,430 --> 00:02:20,270
+المنتهية بالتمليك. وقبل أن نبدأ في الحديث عن
+
+19
+00:02:20,270 --> 00:02:27,550
+الإيجارة المنتهية بالتمليك من حيث تعريفها ومن حيث
+
+20
+00:02:30,380 --> 00:02:38,720
+حكمها وآراء العلماء فيها وغير ذلك، هناك وقفات
+
+21
+00:02:38,720 --> 00:02:43,640
+الأولى
+
+22
+00:02:43,640 --> 00:02:46,920
+متعلقة
+
+23
+00:02:46,920 --> 00:02:55,340
+بهذا المصطلح، باسم هذه المعاملة، الإيجارة المنتهية
+
+24
+00:02:55,340 --> 00:03:04,350
+بالتمليك. من حيث أن هذا المصطلح أو هذا الاسم، أيها
+
+25
+00:03:04,350 --> 00:03:13,830
+الإخوة، يبدو للناظر، يبدو للمطلع
+
+26
+00:03:13,830 --> 00:03:17,550
+عليه أنه يحمل تناقضاً
+
+27
+00:03:21,490 --> 00:03:27,630
+في ذاته بين ألفاظه وكلماته، الإيجارة المنتهية
+
+28
+00:03:27,630 --> 00:03:35,070
+بالتمليك. ومحل هذا التناقض الذي يظهر أو قد يظهر
+
+29
+00:03:35,070 --> 00:03:42,990
+للبعض، أن الإجارة في الأصل كما هي معروفة، كما نعرفها
+
+30
+00:03:42,990 --> 00:03:51,370
+في شريعتنا، وكما يعرفها الناس جميعاً، حتى لا تنتهي
+
+31
+00:03:51,370 --> 00:04:00,850
+بالتمليك، الإجارة عقد مؤقت مهما طال، عقد محدد مدته
+
+32
+00:04:00,850 --> 00:04:05,630
+بشهر أو شهرين، بعام أو عامين، بعشرة أعوام أو
+
+33
+00:04:05,630 --> 00:04:09,990
+بعشرين عاماً، ولكن
+
+34
+00:04:09,990 --> 00:04:15,270
+التمليك تتأبد ملكية السلعة لصاحبها.
+
+35
+00:04:18,170 --> 00:04:27,230
+الإيجارة تتقيد فيها وبها تصرفات
+
+36
+00:04:27,230 --> 00:04:36,490
+المستأجر، والتمليك لا قيد على المالك، يتصرف كيف
+
+37
+00:04:36,490 --> 00:04:46,090
+يشاء. فكيف يجتمع المقيد بالمطلق؟ كيف يجتمع المؤقت مع
+
+38
+00:04:46,090 --> 00:04:53,650
+المؤبد؟ إنه تناقض، أو قد يبدو أنه تناقض يحتاج إلى
+
+39
+00:04:53,650 --> 00:04:59,430
+فك، يحتاج إلى حل، إيجار المنتهية بالتمليك، ولذلك
+
+40
+00:04:59,430 --> 00:05:06,610
+يعني، يمكن قبل عشر سنين كنت أستمع إلى يعني محطة
+
+41
+00:05:06,610 --> 00:05:13,430
+وربما قلت لكم قبل ذلك في فتوى أو عن إجابات أسئلة
+
+42
+00:05:13,430 --> 00:05:18,350
+ذلك العالم أو الشيخ عن الإيجارة المنتهية بالتمليك،
+
+43
+00:05:19,760 --> 00:05:23,820
+هذا في بدايات ظهورها، ولم تكن منتشرة بعد، فقال: لا
+
+44
+00:05:23,820 --> 00:05:28,680
+أعرف شيئاً اسمه الإيجارة المنتهية بالتمليك. فعلاً لا
+
+45
+00:05:28,680 --> 00:05:33,620
+يعرفه على حقيقته وعلى كيفيته، وليس معروفا في
+
+46
+00:05:33,620 --> 00:05:40,100
+الفقه قديماً، ويتناقض كذلك مع يعني مفهوم كل من
+
+47
+00:05:40,100 --> 00:05:47,960
+الإيجارة، ومفهوم كل من التمليك، يتناقضان، فكيف  يتآلف
+
+48
+00:05:48,910 --> 00:05:55,530
+هذا المصطلح مع بعضه البعض؟ وهل يمكن أن نجد له
+
+49
+00:05:55,530 --> 00:06:02,070
+تخريجاً شرعياً يسوّغه ويُجيز هذه المعاملة؟ هذا ما
+
+50
+00:06:02,070 --> 00:06:05,910
+سنحاول أن نراه. هذا ما أردت أن أشير إليه في البداية.
+
+51
+00:06:05,910 --> 00:06:13,920
+ثانياً، الوقفة الثانية، هو أن الإيجارة المنتهية
+
+52
+00:06:13,920 --> 00:06:18,220
+بالتمليك، هذه هذه المعاملة الجديدة التي بدأت تتحدث
+
+53
+00:06:18,220 --> 00:06:21,740
+فيها، التي بدأت تتعامل بها البنوك والمؤسسات
+
+54
+00:06:21,740 --> 00:06:28,960
+المالية المعاصرة، واضح من العنوان أو من الاسم
+
+55
+00:06:28,960 --> 00:06:36,240
+والمصطلح أنها تنتمي إلى معاملة الإيجارة، أن هذه
+
+56
+00:06:36,240 --> 00:06:42,670
+المعاملة، الإيجارة المنتهية بالتمليك، تنتمي إلى
+
+57
+00:06:42,670 --> 00:06:45,790
+الإيجارة،
+
+58
+00:06:45,790 --> 00:06:51,450
+إلى عقد الإيجارة، بمعنى أن لها علاقة ما بالإيجارة،
+
+59
+00:06:51,450 --> 00:06:58,280
+أو لا بد أن يكون لها علاقة بشكل أو بآخر. واضح كما قلت
+
+60
+00:06:58,280 --> 00:07:04,480
+مرة أخرى من ألفاظ المصطلح أن هذه المعاملة، الإجارة
+
+61
+00:07:04,480 --> 00:07:09,460
+المنتهية بالتمليك، لها علاقة بشكل أو بآخر بالإيجارة
+
+62
+00:07:09,460 --> 00:07:15,990
+التي نعرفها. أو بمعنى آخر، يمكن أن نقول إنها صورة من
+
+63
+00:07:15,990 --> 00:07:22,030
+صور الإيجارة، صورة مولّدة أو مطورة، تماماً كما قلنا أو
+
+64
+00:07:22,030 --> 00:07:26,610
+عندما تحدثنا عن المرابحة المصرفية أو بيع المرابحة
+
+65
+00:07:26,610 --> 00:07:35,590
+للآمر بالشراء، كانت عبارة عن صورة مطورة أو مولدة عن
+
+66
+00:07:35,590 --> 00:07:42,970
+المرابحة التي عرفها الفقهاء قديماً، لكن بثوبها الجديد،
+
+67
+00:07:42,970 --> 00:07:46,490
+بصورتها الجديدة، بإجراءاتها الجديدة، لم تكن معروفة،
+
+68
+00:07:46,490 --> 00:07:52,220
+المرابحة. وكذلك الإيجار المنتهي بالتمليك، وإن كان له
+
+69
+00:07:52,220 --> 00:07:58,180
+علاقة، كما سنرى، بشكل أو بآخر، بمعاملة الإيجارة، وبعقد
+
+70
+00:07:58,180 --> 00:08:04,200
+الإيجارة، لكنها ستختلف في حقيقتها عن الإيجارة
+
+71
+00:08:04,200 --> 00:08:10,900
+العادية. ومن هنا كان لا بد لنا أن نتعرف على حكمها
+
+72
+00:08:10,900 --> 00:08:17,440
+عند العلماء المعاصرين. النقطة الثالثة أيضاً، قبل أن
+
+73
+00:08:17,440 --> 00:08:25,180
+نبدأ، وبهذا نشرع في الحديث، هو أو تتمثل في ضرورة
+
+74
+00:08:25,180 --> 00:08:31,820
+التعرف على معنى الإجارة وحكمها وبعض المسائل المتعلقة
+
+75
+00:08:31,820 --> 00:08:37,310
+بها قبل أن نتحدث عن الإيجارة المنتهية بالتمليك. ليه؟
+
+76
+00:08:37,310 --> 00:08:42,410
+كي تتضح لنا الصورة أكثر وأكثر، بمعنى إنه إذا كنا
+
+77
+00:08:42,410 --> 00:08:46,590
+نريد أن نتحدث عن الإيجار المنتهي بالتمليك وقد
+
+78
+00:08:46,590 --> 00:08:51,170
+قررنا أن ثم علاقة بينها وبين الإيجارة بشكل أو
+
+79
+00:08:51,170 --> 00:08:57,270
+بآخر، فلا بد من الحديث قليلاً عن الإيجارة، هذا العقد
+
+80
+00:08:57,270 --> 00:09:03,790
+الذي يتعامل به الناس منذ وجدوا على هذه الأرض إلى أن
+
+81
+00:09:03,790 --> 00:09:09,430
+يرث الله الأرض ومن عليها. ما حقيقة الإجارة عموماً،
+
+82
+00:09:09,430 --> 00:09:14,650
+وليس الإجارة المنتهية بالتمليك، وما موقف الشريعة
+
+83
+00:09:14,650 --> 00:09:20,850
+الإسلامية منها؟ يعني أيها الإخوة، حقيقة الإجارة
+
+84
+00:09:20,850 --> 00:09:23,970
+ابتداءً في اللغة بمعنى
+
+85
+00:09:26,460 --> 00:09:35,900
+البدل الذي يُدفع أو يُؤخذ عن الانتفاع بشيء معين،
+
+86
+00:09:35,900 --> 00:09:44,680
+الاستئجار، البدل، المال، النظير الذي يُدفع أو يُؤخذ من
+
+87
+00:09:44,680 --> 00:09:50,600
+المستأجر ويُؤخذ من المؤجر نظيراً لانتفاع المستأجر
+
+88
+00:09:50,600 --> 00:09:58,240
+بشيء معين، بعقار، بسيارة، بسلعة، بآلة، بشيء من
+
+89
+00:09:58,240 --> 00:10:06,270
+هذا، وهو ما يُعرف بالكراء. الكراء يعني في الفقه
+
+90
+00:10:06,270 --> 00:10:11,730
+الإسلامي، عُرف بكراء الأرض، يعني باستئجارها. كراء
+
+91
+00:10:11,730 --> 00:10:15,870
+الأرض، أنت تستأجر عشرة دولارات وعشرين دولارات لتزراعتها،
+
+92
+00:10:15,870 --> 00:10:22,630
+تدفع أجرتها لصاحبها وتستفيد
+
+93
+00:10:22,630 --> 00:10:25,910
+وتنتفع بزراعتها.
+
+94
+00:10:28,340 --> 00:10:32,120
+فالإيجارة بمعنى الكراء، وكلمة الكراء حتى معروفة لدى
+
+95
+00:10:32,120 --> 00:10:39,640
+العوام فينا، يعني، ومنّا، تستخدم عند العامة. فلان كَرَى
+
+96
+00:10:39,640 --> 00:10:42,780
+بنقول احنا اليوم بنقول فلان استأجر دار أو بيت،
+
+97
+00:10:42,780 --> 00:10:47,030
+كانوا زمان بيقولوا فلان كَرَى من.. من.. من الكراء
+
+98
+00:10:47,030 --> 00:10:53,830
+الذي هو أصل صحيح وفصيح لهذه الكلمة، و
+
+99
+00:10:53,830 --> 00:10:58,030
+إحنا صغار كنا بنقول أنا بدأت أروح أكري بسكلت، يعني
+
+100
+00:10:58,030 --> 00:11:02,670
+أستأجر. ما كان آباؤنا بي... يعني، بيقدروا يشترِوا
+
+101
+00:11:02,670 --> 00:11:06,550
+لِواحد عجلة أو بسكلت. كان الواحد بالجيش أو
+
+102
+00:11:06,550 --> 00:11:10,610
+بالتربية أو بالشغل يروح بي... يعني، إذا أخذ من
+
+103
+00:11:10,610 --> 00:11:15,870
+أبوه أحسن شيء عنده، أن يروح يكري بسكلت لمدة خمس
+
+104
+00:11:15,870 --> 00:11:20,730
+دقائق أو عشر دقائق، يشوط فيه في الحارة، بيبقى مسلطّن،
+
+105
+00:11:20,730 --> 00:11:26,790
+كأنه ملك الدنيا وما فيها. إذا هذا بالنسبة للإيجارة،
+
+106
+00:11:26,790 --> 00:11:32,330
+ويعني فهي ذلك. فالإيجارة من الأجر، والأجر هو ذلك
+
+107
+00:11:32,330 --> 00:11:37,590
+الثمن الذي يُدفع كما قلنا، أو الثواب الذي يُؤخذ، وهذا
+
+108
+00:11:37,590 --> 00:11:42,670
+ينسحب على الأجر الدنيوي والأخروي أيضاً، يعني حتى
+
+109
+00:11:42,670 --> 00:11:46,630
+تلك الأجور التي يُعطيها رب العالمين للناس نظير
+
+110
+00:11:46,630 --> 00:11:51,330
+عباداتهم وإخلاصهم وإيمانهم. يعني هذه أيضاً... هذا
+
+111
+00:11:51,330 --> 00:11:59,850
+ثواب يُسمّى أجراً، ويُسمّى ثمناً أو بدلاً أو إلى غير ذلك. في
+
+112
+00:11:59,850 --> 00:12:05,070
+الإجارة اصطلاحاً... الإجارة في الاصطلاح،
+
+113
+00:12:05,070 --> 00:12:09,750
+فالحقيقة تعددت التعريفات، وإن كانت جميعها تدور حول
+
+114
+00:12:09,750 --> 00:12:16,970
+معانٍ متقاربة. هناك تعريفات مختصرة، وأخرى موسعة.
+
+115
+00:12:16,970 --> 00:12:25,640
+سأذكر تعريفاً مختصراً ثم آخر، يعني، مفصلاً، نقف عنده. أما
+
+116
+00:12:25,640 --> 00:12:33,000
+التعريف المختصر للإيجارة،
+
+117
+00:12:33,000 --> 00:12:39,180
+هي عبارة عن تمليك المنافع بعوض. الإجارة تمليك
+
+118
+00:12:39,180 --> 00:12:48,310
+منفعة بعوض. تمليك منفعة، واضح من تعريفات الإيجارة
+
+119
+00:12:48,310 --> 00:12:51,870
+المختصرة. ولا يزال الحديث أيها الإخوة عن إيه؟ عن
+
+120
+00:12:51,870 --> 00:12:57,990
+الإيجارة العادية، الإيجارة بشقيها. بمعنى لما نقول
+
+121
+00:12:57,990 --> 00:13:04,490
+بشقيها، أقصد الإيجارة إما أن تكون على العقار والآلات
+
+122
+00:13:04,490 --> 00:13:10,250
+والسيارة، يعني على الجمادات، وإما أن تكون على
+
+123
+00:13:10,250 --> 00:13:16,900
+الأشخاص. نحن كموظفين مستأجرين، نحن أجراء، أجراء عند
+
+124
+00:13:16,900 --> 00:13:24,250
+هذه المؤسسة. كل عامل هو أجير، كل موظف هو أجير مستخدم
+
+125
+00:13:24,250 --> 00:13:31,110
+عند المؤسسة أو الشركة أو الجهة التي يعمل بها،
+
+126
+00:13:31,110 --> 00:13:39,070
+تستأجره بمعنى أنها يعني تنتفع بعمله أو بعقله أو
+
+127
+00:13:39,070 --> 00:13:46,650
+بشيء عنده مدة معينة، وتعطي له أجراً شهرياً، يومياً، سنوياً،
+
+128
+00:13:46,650 --> 00:13:52,330
+أسبوعياً. هذا أيضاً إيجارة يُعتبر، ليست الإيجارة قاصرة
+
+129
+00:13:52,330 --> 00:13:56,730
+على إيجار العقارات والسيارات والأدوات والآلات، بل
+
+130
+00:13:56,730 --> 00:14:00,770
+الأشخاص، يعني هناك إيجار أشخاص وهناك إيجار يعني
+
+131
+00:14:00,770 --> 00:14:02,310
+عقارات وأدوات.
+
+132
+00:14:05,310 --> 00:14:12,270
+الإيجارة بشقيها هي تمليك منفعة بعوض. وإذا أردنا أن
+
+133
+00:14:12,270 --> 00:14:17,790
+نعرفها أكثر تفصيلاً، يعني نقول أو نكتب هو لأنه فيه
+
+134
+00:14:17,790 --> 00:14:25,230
+شوية تعليقة عليه، هو عبارة عن، اللي هي الإيجارة عقد
+
+135
+00:14:25,230 --> 00:14:33,650
+على منفعة مقصودة،
+
+136
+00:14:37,130 --> 00:14:50,350
+معلومة، مباحة، قابلة للبذل والإباحة،
+
+137
+00:14:50,350 --> 00:14:56,450
+بعوض معلوم.
+
+138
+00:14:57,850 --> 00:15:00,810
+يعني هذه من التعريفات، وهناك تعريفات ربما أخرى على
+
+139
+00:15:00,810 --> 00:15:05,230
+أي حال، لكن هذه من التعريفات المفصلة، نقف قليلاً
+
+140
+00:15:05,230 --> 00:15:12,510
+عندها. عقد الإيجار عقد على منفعة مقصودة، معلومة،
+
+141
+00:15:12,510 --> 00:15:20,310
+مباحة، قابلة للبذل والإباحة، بعوض معلوم طبعاً.
+
+142
+00:15:23,780 --> 00:15:29,700
+أول ما تُعرف به الإيجارة أنها عقد، عقد بين طرفين،
+
+143
+00:15:29,700 --> 00:15:32,800
+كسائر العقود، كعقد البيع، كعقد الرهن، كعقد
+
+144
+00:15:32,800 --> 00:15:37,460
+الكفالة. عقد، عقد من العقود. الإيجارة عقد، يتم
+
+145
+00:15:37,460 --> 00:15:41,720
+التعاقد بين اثنين، فيها أجرني، أجرتك، ويتم الحديث
+
+146
+00:15:41,720 --> 00:15:50,160
+عن التفاصيل، فهي عقد، لكن ليست عقد على عين، ليست عقد
+
+147
+00:15:50,160 --> 00:15:56,640
+على تمليك عين، على شراء منزل أو شراء سيارة، وإنما
+
+148
+00:15:56,640 --> 00:16:03,900
+هو عقد على الانتفاع بعين معينة فقط، عقد على
+
+149
+00:16:03,900 --> 00:16:10,420
+الانتفاع، وليس على ذات العين، وتمليك العين. فعندما قال
+
+150
+00:16:10,420 --> 00:16:16,260
+عقد على منفعة، أخرج لنا عقود البيع وعقود التمليك،
+
+151
+00:16:16,260 --> 00:16:22,290
+التي تقع على ذات العين، على ذات الشيء، وتمليكه، وانتقال
+
+152
+00:16:22,290 --> 00:16:27,050
+ملكيته وملكيته من شخص إلى شخص، لكن هنا لا، العين
+
+153
+00:16:27,050 --> 00:16:32,690
+تبقى لصاحبها، ذات الشيء يبقى لصاحبه، ولكن فقط هذا
+
+154
+00:16:32,690 --> 00:16:38,450
+العقد يُؤقق الحق في الانتفاع بهذه العين مدة معينة،
+
+155
+00:16:38,450 --> 00:16:42,570
+التي تتفقون عليها بعد أن تُدفع الأجرة، أو على أن
+
+156
+00:16:42,570 --> 00:16:48,110
+تُدفع الأجرة. أيضاً هي عقد على منفعة، ليُخرِجَ عقود
+
+157
+00:16:48,110 --> 00:16:52,450
+البيع والشراء، لأن يا إخوة، عقود البيع بعضها فيها
+
+158
+00:16:52,450 --> 00:16:58,230
+منفعة، لكن مش منفعة بس، يعني المنفعة فرع، هي عقد على
+
+159
+00:16:58,230 --> 00:17:03,070
+العين بما فيها المنفعة، لكن هذه بس المنفعة، والعين
+
+160
+00:17:03,070 --> 00:17:08,020
+أصلها لصاحبها. ولذلك المستأجر مصمار واحد ما بيقدر
+
+161
+00:17:08,020 --> 00:17:13,420
+يُدقّه يعني في... ما بيقدرش يأخذ معه يعني أي حاجة،
+
+162
+00:17:13,420 --> 00:17:19,540
+عندما يخرج أو عندما ينتهي العقد. فقط عقد انتفاع، عقد
+
+163
+00:17:19,540 --> 00:17:26,260
+انتفاع لمدة معينة، قيادة السيارة مدة معينة، و
+
+164
+00:17:26,260 --> 00:17:31,910
+هكذا. عقد على منفعة، وليس أي منفعة، يعني إذا كانت
+
+165
+00:17:31,910 --> 00:17:37,310
+المنفعة تافهة، بسيطة، لا تُسمّى عقداً، يعني واحد يعني
+
+166
+00:17:37,310 --> 00:17:43,390
+في السوق، واحد حمله شوية أغراض معه، ولو أعطاه
+
+167
+00:17:43,390 --> 00:17:49,180
+جنيهاً، ما يُسمّى يعني عقد إيجار. عقد الإيجارة لا بد أن
+
+168
+00:17:49,180 --> 00:17:54,760
+يكون يعني عقداً له على أمر مهم، على أمر وهو معبر
+
+169
+00:17:54,760 --> 00:18:00,100
+عنه بقوله مقصود، عقد على منفعة مقصودة، وإلا فمثل
+
+170
+00:18:00,100 --> 00:18:05,240
+هذه لا تُسمّى يعني عقود إيج
+
+223
+00:22:50,460 --> 00:22:55,480
+العين أو الآلة أو كذا يعني من الأشياء التي
+
+224
+00:22:55,480 --> 00:23:00,800
+يجوز استئجارها، ويجوز لكل شخص أن ينتفع بها، وليست
+
+225
+00:23:00,800 --> 00:23:05,480
+أمورًا حصرية، يعني أنت تؤجل الشغل هذه السنة لفلان، و
+
+226
+00:23:05,480 --> 00:23:10,720
+السنة القادمة لعلان، والسنة الثالثة لغيره، ما في
+
+227
+00:23:10,720 --> 00:23:14,880
+مشكلة، بتؤجل السيارة، يركبها مليون واحد، وهكذا.
+
+228
+00:23:14,880 --> 00:23:19,560
+الآلات، أنت النجارون يشغلون مثلاً، أو يؤجرون آلاتهم،
+
+229
+00:23:19,560 --> 00:23:26,840
+أو يؤجرونها، لكن هناك يعني أحيانًا عقود خاصة، كعقد
+
+230
+00:23:26,840 --> 00:23:31,580
+الزواج، هذه عقود خاصة لا يجوز، وإن كانت على منفعة
+
+231
+00:23:31,580 --> 00:23:36,460
+ومقصودة ومعلومة، الأمور إلى حد ما، لكن هذا عقد يخرج
+
+232
+00:23:36,460 --> 00:23:41,560
+عن كونه عقد إجارة، ليس عقد إجارة لأنه ليس قابلًا
+
+233
+00:23:41,560 --> 00:23:48,500
+بالبذل، لأنّ تمّتْ تخصصية في هذا العقد، ولا يجوز يعني
+
+234
+00:23:48,500 --> 00:23:57,020
+أن تكون المرأة أو الرجل مُبتذلًا إذا قابلا للبذل.
+
+235
+00:23:57,020 --> 00:24:02,300
+فالمرأة تختص بزوجها، والزوج يختص بزوجته، قابلة للبذل
+
+236
+00:24:02,300 --> 00:24:06,800
+والإباحة بمعنى واحد، لا تُباح إلا... قابلة للإباحة
+
+237
+00:24:06,800 --> 00:24:12,640
+بهذا العقل، لكل شخص، لكن هذه لا تقبل الإباحة إلا لشخص
+
+238
+00:24:12,640 --> 00:24:21,850
+واحد. كمان لابد أن تكون بعوض، يعني هذه تتم حقيقة
+
+239
+00:24:21,850 --> 00:24:28,090
+للأولى بعوض معلوم، ليخرج لنا هناك يا إخوة بعض
+
+240
+00:24:28,090 --> 00:24:31,210
+العقود
+
+241
+00:24:31,210 --> 00:24:39,850
+التي تنطبق عليها كل هذه الشروط، لكن بدون عوض، بدون
+
+242
+00:24:39,850 --> 00:24:45,170
+عوض، بدون مقابل، يعني عقد على منفعة مقصودة
+
+243
+00:24:45,170 --> 00:24:52,150
+ومعلومة، معروفة، ومباحة، وقابلة للبذل، ولكن بدون
+
+244
+00:24:52,150 --> 00:25:02,990
+عوض، زي إيش؟ هبة، إيش؟ مش أي هبة، لأ، أي هبة،
+
+245
+00:25:02,990 --> 00:25:06,310
+معناها تمليك، إحنا ما نتكلمش عن تمليك، أنا وهبتك
+
+246
+00:25:06,310 --> 00:25:11,030
+هذا الكمبيوتر، ولا هذه الطاولة، ولا... هي لمنفعة، هي
+
+247
+00:25:11,030 --> 00:25:15,990
+لمنفعة، يعني أنا ممكن أنا أقول يا ولاد فلان، والله
+
+248
+00:25:15,990 --> 00:25:20,550
+حالته إندي دار زيادة، إندي شقة فاضية، بقول والله
+
+249
+00:25:20,550 --> 00:25:27,270
+فلان، بنعمة ربنا، جيراننا، أصحابنا، بدوا يتزوجوا، سكنوا
+
+250
+00:25:27,270 --> 00:25:31,050
+سنتين، سكنوا سنتين في هذه الشقة.
+
+251
+00:25:34,440 --> 00:25:39,820
+فهو عقد على منفعة مقصودة، معلومة، مباحة، قابلة للبذل،
+
+252
+00:25:39,820 --> 00:25:46,030
+ومباحة، لكن بلا عوض، بلا عوض، هذه هبة، هبة
+
+253
+00:25:46,030 --> 00:25:49,970
+منفعة، بس ماهي إجارة، خلصت عن كونها إجارة، أنا
+
+254
+00:25:49,970 --> 00:25:55,150
+ما أجرته، وما ملكته كمان، ما أجرته وما ملكته، فليست
+
+255
+00:25:55,150 --> 00:26:00,590
+إجارة، وليست تمليكًا حقيقيًا للعقار، ولكن تمليك منفعة
+
+256
+00:26:00,590 --> 00:26:05,490
+فقط، تمليك منفعة ك... ك... والإجارة هي عبارة عن
+
+257
+00:26:05,490 --> 00:26:10,670
+تمليك منفعة، لكن بلا عوض، الهبة هبة منفعة، أقرب
+
+258
+00:26:10,670 --> 00:26:16,200
+صورة، أقرب من هذه، الإعارة، أنت بتروح لجارك، والله
+
+259
+00:26:16,200 --> 00:26:20,640
+صار عندك عروس إن شاء الله، ربنا يفرح الجميع، بدنا
+
+260
+00:26:20,640 --> 00:26:26,800
+نتزوج، آه، بدنا السيارة تحمل العريس والعروس، ما فيش
+
+261
+00:26:26,800 --> 00:26:30,560
+عندنا سيارة، والله جيراني عنده سيارة 2012 حلوة،
+
+262
+00:26:30,560 --> 00:26:35,960
+مظبوطة، بتجيء إياها، قله، شوفه، راحوا قالوا
+
+263
+00:26:35,960 --> 00:26:41,840
+اتفضلوا، هي حسابكم، السيارة كل اليوم، هل هذه آية
+
+264
+00:26:41,840 --> 00:26:47,040
+ولا دولار، ولا دولار، لو قال بدي دولار صارت إجارة،
+
+265
+00:26:47,040 --> 00:26:51,260
+آه، لو راحت على المكتب بتصير إجارة، ممكن تروح على
+
+266
+00:26:51,260 --> 00:26:53,920
+المكتب، ما فيش إجارة، تقال لك: لا والله خاف على السيارة
+
+267
+00:26:53,920 --> 00:26:58,200
+أو تقال لك: أنا مالي، ما أردش، اضطريت تروح على
+
+268
+00:26:58,200 --> 00:27:02,380
+المكتب، إذا استأجرت، استأجرت السيارة، دي إجارة، لكن
+
+269
+00:27:02,380 --> 00:27:07,240
+لما نعطيك إياها، تتفق فيها لمدة يوم، هذه إعارة.
+
+270
+00:27:08,860 --> 00:27:12,460
+الجيران، المزارعين، وهذا والله الـ Tractor تبعهم،
+
+271
+00:27:12,460 --> 00:27:17,460
+تعال والله رفقها الأرض، ويعني ممكن... ممكن بدون
+
+272
+00:27:17,460 --> 00:27:22,520
+إذا كان بأجر صارت إجارة، بلا أجر صارت... ما صارتش
+
+273
+00:27:22,520 --> 00:27:27,540
+إجارة، صارت إعارة، صارت هبة منفعة، صارت يعني، و
+
+274
+00:27:27,540 --> 00:27:32,670
+هكذا، إذن هذا العوض لابد أن يكون معلومًا كما
+
+275
+00:27:32,670 --> 00:27:37,890
+قلت، أنه لو لم يكن معلومًا أصبح جعالة أو مضاربة، كما
+
+276
+00:27:37,890 --> 00:27:44,190
+قلنا من قبل، إذن هذه يا إخوة، هذه هي الإجارة التي
+
+277
+00:27:44,190 --> 00:27:50,710
+يعني هي أصل للإجارة المنتهية بالتملك، والإجارة أيها
+
+278
+00:27:50,710 --> 00:27:58,750
+الإخوة، مشروعة، جائزة عند المسلمين وعند غير المسلمين،
+
+279
+00:27:58,750 --> 00:28:04,830
+بل أستطيع القول بأن الإجارة يعني مشروعيتها لدى
+
+280
+00:28:04,830 --> 00:28:10,090
+البشرية جمعاء، وأن الناس منذ وجدوا على هذه الأرض، كما
+
+281
+00:28:10,090 --> 00:28:16,430
+عرفوا البيع والشراء، عرفوا الإجارة والاستئجار، ذلك
+
+282
+00:28:16,430 --> 00:28:23,830
+لأن الناس ببيعتهم مختلفون في مستوياتهم وفي غناهم
+
+283
+00:28:23,830 --> 00:28:30,170
+وفقرهم، فالبعض يستطيع أن يشتري السلعة ويتملكها،
+
+284
+00:28:30,170 --> 00:28:35,410
+والبعض ما يستطيع، ما يستطيع، يعني البديل لديه
+
+285
+00:28:35,410 --> 00:28:41,170
+التأجير، عرفوا ذلك الناس بطبيعة حياتهم، بطبيعة
+
+286
+00:28:41,170 --> 00:28:44,570
+حاجياتهم،
+
+287
+00:28:44,570 --> 00:28:48,370
+بطبيعة تعاملاتهم، المصبح هي التي تفرض نفسها،
+
+288
+00:28:48,370 --> 00:28:51,910
+الحاجة هي التي تفرض نفسها على التعامل، الحاجة هي
+
+289
+00:28:51,910 --> 00:28:56,710
+التي تفرز التعاملات، جاري عنده تراكتور، وأنا
+
+290
+00:28:56,710 --> 00:29:03,080
+ما عنديش، وعندي أرض متحرّثة، اتفضل والله، أنا جديش...
+
+291
+00:29:03,080 --> 00:29:07,000
+تعال حرث الأرض، وخد... جديش بيكلف، جديش بدك،
+
+292
+00:29:07,000 --> 00:29:13,180
+اتفضل، هي خمسين شيكل، هي مئة شيكل، بيستأجره، وهكذا، أنا
+
+293
+00:29:13,180 --> 00:29:17,460
+بدي أسكن، جاري عنده شقة زيادة، أو أي شخص، أو مكتب،
+
+294
+00:29:17,460 --> 00:29:20,560
+فالإجارة
+
+295
+00:29:20,560 --> 00:29:25,600
+عُرفت لدى البشرية جمعاء، وطبيعي يا إخوة، إذا ما عُرفت
+
+296
+00:29:25,600 --> 00:29:34,220
+البشرية على شيء واستقرت عليه، لا يمكن إلا أن تأتي
+
+297
+00:29:34,220 --> 00:29:42,000
+الشريعة موافقة، لما أن البشرية تجتمع على شيء، تأتي
+
+298
+00:29:42,000 --> 00:29:47,000
+الشريعة موافقة لهذا الشيء، لأن الشريعة أيها الإخوة
+
+299
+00:29:47,000 --> 00:29:52,600
+إنما جاءت موافقة لطبائع الناس السوية، لكن لطبائع
+
+300
+00:29:52,600 --> 00:30:00,530
+الناس، وموافقة لمصالح الناس، وميسّرة على الناس، لذلك
+
+301
+00:30:00,530 --> 00:30:05,130
+جُعل العُرفُ، العُرف الذي يتعارف عليه، مصدر من مصادر
+
+302
+00:30:05,130 --> 00:30:11,210
+التشريع، والعُرف في الشرعية هو اعتباره، وعليه الشرع
+
+303
+00:30:11,210 --> 00:30:16,110
+قد يُداره، أو الحكم قد يُداره، يعني الشريعة تعترف
+
+304
+00:30:16,110 --> 00:30:19,950
+بالواقع، تعترف بأعراف الناس، وبمعاملة الناس،
+
+305
+00:30:19,950 --> 00:30:25,590
+وبمصالح الناس، فإذا قرّر الناس جميعًا، كما يقولون: سنة
+
+306
+00:30:25,590 --> 00:30:29,630
+الخلق أقلام الحق، على أن الإجارة على التعامل
+
+307
+00:30:29,630 --> 00:30:34,150
+بالإجارة، فطبيعيًا هذا إضافة إلى أنها بالفعل هي تحقق
+
+308
+00:30:34,150 --> 00:30:39,350
+ليس إقرارًا عشوائيًا، هي بالفعل تحقق مصالح، وتحقق تيسيرًا
+
+309
+00:30:39,350 --> 00:30:47,580
+على الناس، ثم إنّا وجدنا ما يؤكد هذا الجواز من
+
+310
+00:30:47,580 --> 00:30:51,920
+خلال آيات القرآن الكريم، من خلال سنة النبي صلى
+
+311
+00:30:51,920 --> 00:30:56,600
+الله عليه وسلم، ومن خلال إجماع الأمة على ذلك.
+
+312
+00:30:56,600 --> 00:31:02,120
+القرآن الكريم في نصوص متعددة أيها الإخوة، أكّد أو
+
+313
+00:31:02,120 --> 00:31:08,340
+أشار إلى مشروعية الإجارة، في قصة بنات شعيب التي
+
+314
+00:31:08,340 --> 00:31:15,460
+تعرفون جميعًا، التي ذهبت للسقاء، ووجدت زحمة، فكان نبي
+
+315
+00:31:15,460 --> 00:31:23,600
+الله موسى عليه السلام، يعني سقى لهما، ثم عندما قادتا، وكان
+
+316
+00:31:23,600 --> 00:31:28,160
+أبوهما شيخ كبير وليس لهما إخوة، قالتا يا أبا
+
+317
+00:31:28,160 --> 00:31:31,440
+تستأجره، إن خير من استأجرت القوي الأمين.
+
+318
+00:31:36,070 --> 00:31:43,950
+شرّع لنا ما لم يرد ناسخ، ولم يرد ناسخ، بل ورد ما
+
+319
+00:31:43,950 --> 00:31:48,730
+يؤكده ربنا في موضوع آخر سبحانه وتعالى، يقول في
+
+320
+00:31:48,730 --> 00:31:52,030
+علاقة الزوجين، أو في حقوق الزوجين، فيما يتعلق بحقوق
+
+321
+00:31:52,030 --> 00:31:57,450
+الزوجين بعضهم على بعض، فإن أرضعنا لكم فاتوهن أجورهن
+
+322
+00:31:57,450 --> 00:32:02,350
+خاصة عند الطلاق، في الحياة الزوجية العادية لا
+
+323
+00:32:02,350 --> 00:32:07,430
+تطالب المرأة بأجر ولا غير ذلك على رضعها، لكن مرات
+
+324
+00:32:07,430 --> 00:32:12,200
+يصير طلاق، والمرأة المطلقة عندها رضيع، طب هذا في
+
+325
+00:32:12,200 --> 00:32:16,080
+الأول، وفي الآخر ابن الزلمة، مش هيقول ابن فاطمة،
+
+326
+00:32:16,080 --> 00:32:22,580
+هيقول ابن محمد، فالنفقات أصلاً على الزوج، على
+
+327
+00:32:22,580 --> 00:32:29,520
+الأب، النفقة يا إخوة شرعًا، نفقة الولد على أبيه،
+
+328
+00:32:29,520 --> 00:32:34,040
+وعلى المُرضِعة، ربنا يقول ماذا؟ وعلى المُرضِعة أجرها،
+
+329
+00:32:34,040 --> 00:32:39,630
+تسوى تغنى؟ و... ورزق... رزقهن وخسوتهن بالمعروف.
+
+330
+00:32:39,630 --> 00:32:45,010
+يعني على الأب، المرأة الآن مطلقة وبتُرضع الولد من
+
+331
+00:32:45,010 --> 00:32:50,510
+حجّها أنها تطالب مطلقها، أو زوجها الأول، أو أبو الولد
+
+332
+00:32:50,510 --> 00:32:56,690
+ب... ب... ب... ب... ب... ثمن، أو ب... أجرة على إرضاعها
+
+333
+00:32:56,690 --> 00:33:01,470
+لهذا ال... ال... الولد، وهذا طبعًا واضح أن إقرار
+
+334
+00:33:03,870 --> 00:33:08,510
+بمشروعية الإجارة، وإحنا بنقول الإجارة بغض النظر
+
+335
+00:33:08,510 --> 00:33:13,890
+إجارة أشخاص، أو إجارة يعني عقارات، وأدوات، وآلات،
+
+336
+00:33:13,890 --> 00:33:21,530
+وغير ذلك، الرسول صلى الله عليه وسلم يعني أقرّ
+
+337
+00:33:21,530 --> 00:33:27,250
+بقى الإجارة، وتعامل بها، احتجم، وأجر الحجامة، أجره
+
+338
+00:33:27,250 --> 00:33:32,190
+الحجامة معروفة، الحجامة يعني هي ضربة بمشرة في بعض
+
+339
+00:33:32,190 --> 00:33:38,990
+المناطق لإخراج الدم الفاسد، أكثر من ذلك، يعني حتى يا
+
+340
+00:33:38,990 --> 00:33:45,230
+أخوة، شريعتنا أعطت الإجارة يعني مش بس حكم الإباحة،
+
+341
+00:33:45,230 --> 00:33:49,450
+بل أكثر من ذلك، يعني انظروا عندما
+
+342
+00:33:52,900 --> 00:33:57,080
+يخوّف ربّ النبي صلى الله عليه وسلم في الحديث القدسي
+
+343
+00:33:57,080 --> 00:34:05,860
+من يأكل، أو من لا يعطي الأجير أجره، ويعتبر أحد ثلاثة
+
+344
+00:34:05,860 --> 00:34:10,980
+هو خصمهم يوم القيامة، الرسول صلى الله عليه وسلم
+
+345
+00:34:10,980 --> 00:34:20,920
+يقول: ثلاثة أنا خصمهم يوم القيامة، ومنهم رجل استأجر
+
+346
+00:34:20,920 --> 00:34:21,620
+رجلاً
+
+347
+00:34:24,410 --> 00:34:30,790
+ووفى له بعَمَلِه، فلم يُعطه أجره، الله هو القصيدة، طيب هذا
+
+348
+00:34:30,790 --> 00:34:36,470
+كمان أشد وأشد، إذا كان يعني الحديث قدسيًا، كان زيادة
+
+349
+00:34:36,470 --> 00:34:40,590
+على ذلك، انظروا كلكم تعرفون قصة الثلاثة الذين دخلوا
+
+350
+00:34:40,590 --> 00:34:47,510
+كهفًا، ثم أغلقت... نزلت صخرة على باب الكهف فأغلقه،
+
+351
+00:34:47,510 --> 00:34:55,270
+قالوا: ماذا نفعل؟ قال: كل واحد منّا يدعو الله بصالح
+
+352
+00:34:55,270 --> 00:35:05,210
+عمله، أحدهم، الشاهد، كان يعمل لديه عامل، راعي غنم،
+
+353
+00:35:05,210 --> 00:35:12,290
+ويعطيه يعني كل شهر أو كل كذا يعني أجره، فالشاهد
+
+354
+00:35:12,290 --> 00:35:16,310
+أنه يعني أعطى الأجير أجره، قبل أن يجفّ
+
+355
+00:35:16,310 --> 00:35:20,620
+عرقه، النبي صلى الله عليه وسلم يقول: هذه كلها تؤكد
+
+356
+00:35:20,620 --> 00:35:25,360
+على أن الإجارة أيها الإخوة، مشروعة، بل إن من واجبنا
+
+357
+00:35:25,360 --> 00:35:30,240
+أن نحترم
+
+358
+00:35:30,240 --> 00:35:35,420
+الأجراء والموظفين، وأن ننتبه، هناك مؤسسات كثيرة
+
+359
+00:35:35,420 --> 00:35:43,490
+وأصحاب عمل يتلاعبون في الأجور، ويُحرمون حقوق
+
+360
+00:35:43,490 --> 00:35:48,050
+المُستأجرين، على أي حال، هذا بالنسبة للإيجار عمومًا،
+
+361
+00:35:48,050 --> 00:35:51,710
+أما بالنسبة للإيجار المنتهي بالتملك، المرة القادمة،
+
+362
+00:35:51,710 --> 00:35:53,250
+إن شاء الله نحاول الحديث.
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..71937145eeebfd37319baf98677b8afa6d7eabc7
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0_postprocess.srt
@@ -0,0 +1,1448 @@
+1
+00:00:20,670 --> 00:00:24,970
+الله الرحمن الرحيم الحمد لله والصلاة والسلام على
+
+2
+00:00:24,970 --> 00:00:30,090
+رسول الله وعلى آله وصحبه ومن اهتدأ بهديه واستنى
+
+3
+00:00:30,090 --> 00:00:35,490
+بسنته إلى يوم الدين ربنا يسر لنا أمورنا واشرح لنا
+
+4
+00:00:35,490 --> 00:00:40,390
+صدورنا وعلّمنا ماينفعنا وانفعنا بما علمتنا وازدنا
+
+5
+00:00:40,390 --> 00:00:43,030
+علما الإخوة الكرام
+
+6
+00:00:46,270 --> 00:00:52,690
+بعد أن انتهينا من الحديث عن المرابحة المصرفية أو
+
+7
+00:00:52,690 --> 00:00:59,950
+بيع المرابحة للآمر بالشراء على مدار محاضرات متعددة
+
+8
+00:01:01,510 --> 00:01:10,650
+وهي إحدى المعاملات التي تقوم بها البنوك الإسلامية
+
+9
+00:01:10,650 --> 00:01:19,570
+بقصد الاستثمار والتمويل وجذب الزبائن وغير ذلك ثم
+
+10
+00:01:19,570 --> 00:01:23,670
+أو ننتقل للحديث اليوم بإذن الله سبحانه وتعالى
+
+11
+00:01:23,670 --> 00:01:35,620
+ننتقل للحديث عن معاملة جديدةمعاصرة بدأت
+
+12
+00:01:35,620 --> 00:01:44,480
+تتعامل بها البنوك الإسلامية وغيرها من المؤسسات
+
+13
+00:01:44,480 --> 00:01:48,580
+المالية توخيا
+
+14
+00:01:48,580 --> 00:01:51,720
+للتعامل
+
+15
+00:01:51,720 --> 00:01:56,180
+وفق الأحكام الشرعية ووفق الحلال وبؤدا عن الربا
+
+16
+00:01:56,180 --> 00:02:04,470
+والمعاملات المحرمةهذه المعاملة التي نريد أن نتحدث
+
+17
+00:02:04,470 --> 00:02:12,430
+عنها وبدأت البنوك الإسلامية تتعامل بها هي الإيجارة
+
+18
+00:02:12,430 --> 00:02:20,270
+المنتهية بالتمليك وقبل أن نبدأ في الحديث عن
+
+19
+00:02:20,270 --> 00:02:27,550
+الإيجارة المنتهية بالتمليك من حيث تعريفها ومن حيث
+
+20
+00:02:30,380 --> 00:02:38,720
+حكمها وأراء العلماء فيها وغير ذلك هناك وقفات
+
+21
+00:02:38,720 --> 00:02:43,640
+الأولى
+
+22
+00:02:43,640 --> 00:02:46,920
+متعلقة
+
+23
+00:02:46,920 --> 00:02:55,340
+بهذا المصطلح باسم هذه المعاملة الإجارة المنتهية
+
+24
+00:02:55,340 --> 00:03:04,350
+بالتمليكمن حيث إن هذا المصطلح أو هذا الإسم أيها
+
+25
+00:03:04,350 --> 00:03:13,830
+الإخوة يبدو للناظر يبدو للمطلع
+
+26
+00:03:13,830 --> 00:03:17,550
+عليه أنه يحمل تناقضا
+
+27
+00:03:21,490 --> 00:03:27,630
+في ذاته بين الفاظه وكلماته الإجارة المنتهية
+
+28
+00:03:27,630 --> 00:03:35,070
+بالتمليك ومحل هذا التناقض الذي يظهر أو قد يظهر
+
+29
+00:03:35,070 --> 00:03:42,990
+للبعض أن الإجارة في الأصل كما هي معروفة كما نعرفها
+
+30
+00:03:42,990 --> 00:03:51,370
+في شريعتنا وكما يعرفها الناس جميعا حتىلا تنتهي
+
+31
+00:03:51,370 --> 00:04:00,850
+بالتمليك الإجارة عقد مؤقت مهما طال عقد محدد مدته
+
+32
+00:04:00,850 --> 00:04:05,630
+بشهر أو شهرين، بعام أو عامين، بعشرة أعوام أو
+
+33
+00:04:05,630 --> 00:04:09,990
+بعشرين عاما ولكن
+
+34
+00:04:09,990 --> 00:04:15,270
+التمليك تتأبد ملكية السلعة لصاحبها
+
+35
+00:04:18,170 --> 00:04:27,230
+الإيجارة تتقيد فيها وبها تصرفات
+
+36
+00:04:27,230 --> 00:04:36,490
+المستأجر والتمليق لا قيدة على المالك يتصرف كيف
+
+37
+00:04:36,490 --> 00:04:46,090
+يشاء فكيف يجتمع المقيدبالمطلق كفى يجتمع المؤقت مع
+
+38
+00:04:46,090 --> 00:04:53,650
+المؤبد انه تناقض او قد يبدو انه تناقض يحتاجوا الى
+
+39
+00:04:53,650 --> 00:04:59,430
+فك يحتاجوا الى حل اجارة المنتهية بالتمليك ولذلك
+
+40
+00:04:59,430 --> 00:05:06,610
+يعني يمكن قبل عشر سنينكنت أستمع إلى يعني محطة
+
+41
+00:05:06,610 --> 00:05:13,430
+وربما قلت لكم قبل ذلك في الفتوى أو عن إجابات فسؤلة
+
+42
+00:05:13,430 --> 00:05:18,350
+ذلكم العالم أو الشيخ عن الإجارة المنتهية بالتمليك
+
+43
+00:05:19,760 --> 00:05:23,820
+هذا في بدايات ظهورها ولم تكن منتشرة بعد فقال لا
+
+44
+00:05:23,820 --> 00:05:28,680
+أعرفه شيئا اسمه الإجارة المنتهية بالتمليك فعلا لا
+
+45
+00:05:28,680 --> 00:05:33,620
+يعرفه على حقيقته و على بكيفيته و ليس معوفا في
+
+46
+00:05:33,620 --> 00:05:40,100
+الفقه قديما و يتناقب كذلك مع يعني مفهوم كل من
+
+47
+00:05:40,100 --> 00:05:47,960
+الإجارة و مفهوم كل من التمليك يتناقضان فكيف التأمة
+
+48
+00:05:48,910 --> 00:05:55,530
+هذا المصطلح مع بعضه البعض وهل يمكن أن نجد له
+
+49
+00:05:55,530 --> 00:06:02,070
+تخريجا شرعيا يسويغه ويجوز هذه المعاملة هذا ما
+
+50
+00:06:02,070 --> 00:06:05,910
+سنحاول أن نراه هذا ما أردت أن أشير له في البداية
+
+51
+00:06:05,910 --> 00:06:13,920
+ثانيا الوقفة الثانية هو أنالإجارة المنتهية
+
+52
+00:06:13,920 --> 00:06:18,220
+بالتمليك هذه هذه المعاملة الجديدة التي بدأت تتحدث
+
+53
+00:06:18,220 --> 00:06:21,740
+فيها التي بدأت تتعامل بيها البنوك والمؤسسات
+
+54
+00:06:21,740 --> 00:06:28,960
+المالية المعاصرة واضح من العنوان أو من الإسم
+
+55
+00:06:28,960 --> 00:06:36,240
+والمصطلح أنها تنتمي إلى معاملة الإجارة أن هذه
+
+56
+00:06:36,240 --> 00:06:42,670
+المعاملةالإيجارة المنتهية بالتمليك تنتمي إلى
+
+57
+00:06:42,670 --> 00:06:45,790
+الإيجارة،
+
+58
+00:06:45,790 --> 00:06:51,450
+إلى عقد الإيجارة، بمعنى أن لها علاقة ما بالإيجارة
+
+59
+00:06:51,450 --> 00:06:58,280
+أو لابد أن يكون لها علاقة بشكل أو بآخرواضح كما قلت
+
+60
+00:06:58,280 --> 00:07:04,480
+مرة أخرى من الفاظ المصطلح أن هذه المعاملة الإجارة
+
+61
+00:07:04,480 --> 00:07:09,460
+المنتهية بالتمليك لها علاقة بشكل او باخر بالإجارة
+
+62
+00:07:09,460 --> 00:07:15,990
+التي نعرفهاأو بمعنى أخر يمكن أن نقول أنها صورة من
+
+63
+00:07:15,990 --> 00:07:22,030
+صور الإيجارة صورة مولدة أو مطورة تماما كما قلنا أو
+
+64
+00:07:22,030 --> 00:07:26,610
+عندما تحدثنا عن المرابحة المصرفية أو باية المرابحة
+
+65
+00:07:26,610 --> 00:07:35,590
+للآمر بالشراء كانت عبارة عن صورةمطورة أو مولدة عن
+
+66
+00:07:35,590 --> 00:07:42,970
+المرابح التي عرفها الفقهاء قديما لكن بثوبها الجديد
+
+67
+00:07:42,970 --> 00:07:46,490
+بصورتها الجديدة بإجراءاتها الجديدة لم تكن معروفة
+
+68
+00:07:46,490 --> 00:07:52,220
+المرابح وكذلك الإجار المنتهي بالتمليق وإن كانلها
+
+69
+00:07:52,220 --> 00:07:58,180
+علاقة كما سنرى بشكل او باخر بمعاملة الإيجارة وبعقد
+
+70
+00:07:58,180 --> 00:08:04,200
+الإيجارة لكنها ستختلفوا في حقيقتها عن الإيجارة
+
+71
+00:08:04,200 --> 00:08:10,900
+العادية ومن هنا كان لابد لنا أن نتعرف على حكمها
+
+72
+00:08:10,900 --> 00:08:17,440
+عند العلماء المعاصرين النقطة الثالثة أيضا قبل أن
+
+73
+00:08:17,440 --> 00:08:25,180
+نبدأوبيها نشرع في الحديث هو أو تتمثل في ضرورة
+
+74
+00:08:25,180 --> 00:08:31,820
+التعرف على معنى الإجارة وحكمها وبعض المسائل متعلقة
+
+75
+00:08:31,820 --> 00:08:37,310
+بها قبل أن نتحدث عن الإجارة المنتهية بالتمليكليه؟
+
+76
+00:08:37,310 --> 00:08:42,410
+كي تتضحى لنا الصورة أكثر و أكثر، بمعنى إنه إذا كنا
+
+77
+00:08:42,410 --> 00:08:46,590
+بنريد أن نتحدث عن الإيجار المنتهي بالتمليق وقد
+
+78
+00:08:46,590 --> 00:08:51,170
+قررنا أن ثم تعلاقة بينها وبين الإيجارة بشكل أو
+
+79
+00:08:51,170 --> 00:08:57,270
+بآخر، فلابد من الحديث قليلا عن الإيجارةهذا العقد
+
+80
+00:08:57,270 --> 00:09:03,790
+الذي يتعامل به الناس منذ وجده على هذه الأرض إلى أن
+
+81
+00:09:03,790 --> 00:09:09,430
+يرث الله الأرض ومن عليها ما حقيقة الإجارة عموما
+
+82
+00:09:09,430 --> 00:09:14,650
+وليس الإجارة المنتهية بالتمليل وما موقف الشريعة
+
+83
+00:09:14,650 --> 00:09:20,850
+الإسلامية منها يعني أيها الأخوة حقيقة الإجارة
+
+84
+00:09:20,850 --> 00:09:23,970
+ابتداء في اللغة بمعنى
+
+85
+00:09:26,460 --> 00:09:35,900
+البدل الذي يدفع أو يأخذ عن الانتفاء بشيء معين،
+
+86
+00:09:35,900 --> 00:09:44,680
+الهيواب، البدل، المالالنظير الذي يدفع أو يؤخذ من
+
+87
+00:09:44,680 --> 00:09:50,600
+المستأجر ويأخذ من المؤجر نظيرة لانتفاع المستاجر
+
+88
+00:09:50,600 --> 00:09:58,240
+بشيء معين، بعقار، بسيارة، بسلعة، بآلة، بشيء من
+
+89
+00:09:58,240 --> 00:10:06,270
+هذا، وهو ما يُعرف بالكراءالكراء يعني في الفقه
+
+90
+00:10:06,270 --> 00:10:11,730
+الإسلامي عرف بكراء الأرض يعني باستئجارها كراء
+
+91
+00:10:11,730 --> 00:10:15,870
+الأرض أنت تستأجر عشرة دولم و عشرين دولم لتزراعها
+
+92
+00:10:15,870 --> 00:10:22,630
+تدفع أجرتها لصاحبها وتستفيد
+
+93
+00:10:22,630 --> 00:10:25,910
+وتنتفع بزراعتها
+
+94
+00:10:28,340 --> 00:10:32,120
+فالإيجارة بمعنى الكراء وكلمة الكراء حتى معروفة لدى
+
+95
+00:10:32,120 --> 00:10:39,640
+العوام فينا يعني ومننا تستخدم عند العامة فلان كرة
+
+96
+00:10:39,640 --> 00:10:42,780
+بنقول احنا اليوم بنقول فلان استأجر دار او بيت
+
+97
+00:10:42,780 --> 00:10:47,030
+كانوا زمان بيقولوا فلان كرةمن .. من .. من الكراء
+
+98
+00:10:47,030 --> 00:10:53,830
+اللي هو أصل صحيح و فصيح لهذه ال .. ال .. الكلمة و
+
+99
+00:10:53,830 --> 00:10:58,030
+احنا صغار كنا بنقول انا بدأ أروح أكري بسكاليت يعني
+
+100
+00:10:58,030 --> 00:11:02,670
+أستأجر ماكانوش أباهاتنا بي .. يعني بيقدروا يشتروا
+
+101
+00:11:02,670 --> 00:11:06,550
+للواحد عجلة ولا بسكاليت كان الواحد بالجيش أو
+
+102
+00:11:06,550 --> 00:11:10,610
+بالتعريفة أو بالشلم بروح بي .. يعني إذا أخد من
+
+103
+00:11:10,610 --> 00:11:15,870
+أبوه أحسن إشي عندهان يروح يكري بسكليت لمدة خمس
+
+104
+00:11:15,870 --> 00:11:20,730
+دقايق او عشر دقايق يشوط فيه في الحارة بيبقى مسلطن
+
+105
+00:11:20,730 --> 00:11:26,790
+كأنه ملك الدنيا وما فيهاإذا هذا بالنسبة للإجارة
+
+106
+00:11:26,790 --> 00:11:32,330
+ويعني فهي ذلك فالإجارته من الأجر والأجر هو ذلك
+
+107
+00:11:32,330 --> 00:11:37,590
+الثمن الذي يدفع كما قلنا أو الثواب الذي يُأخذ وهذا
+
+108
+00:11:37,590 --> 00:11:42,670
+ينساحب على الأجر الدنيوي والأخروي أيضا يعني حتى
+
+109
+00:11:42,670 --> 00:11:46,630
+تلك الأجور التي يعطيها رب العالمين للناس نظيف
+
+110
+00:11:46,630 --> 00:11:51,330
+عباداتهم وإخلاصهم وإيمانهميعني هذه ايضا .. هذا
+
+111
+00:11:51,330 --> 00:11:59,850
+ثواب يسمى أجرا ويسمى ثمنا او بدلا او إلى غير ذلكفي
+
+112
+00:11:59,850 --> 00:12:05,070
+ال .. الإجارة اصطلاحا .. الإجارة في الاصطلاح
+
+113
+00:12:05,070 --> 00:12:09,750
+فالحقيقة تعدد التعريفات وإن كانت جميعها تدور حول
+
+114
+00:12:09,750 --> 00:12:16,970
+معنى معاني متقاربة هناك تعريفات مختصرة وأخرى موسعة
+
+115
+00:12:16,970 --> 00:12:25,640
+سأذكر تعريفا مختصر ثم آخريعني مفصل نقفه عندهم أما
+
+116
+00:12:25,640 --> 00:12:33,000
+التعريف المختصر للإيجارة
+
+117
+00:12:33,000 --> 00:12:39,180
+هي عبارة عن تمليك المنافع بعيوب الإجارة تمليك
+
+118
+00:12:39,180 --> 00:12:48,310
+منفعة بعيوبتمليكه منفعة واضحة من تعريفات الإيجارة
+
+119
+00:12:48,310 --> 00:12:51,870
+المختصرة ولازال الحديث أيها الأخوة عن إيه عن
+
+120
+00:12:51,870 --> 00:12:57,990
+الإيجارة العادية الإيجارة بشقيها بمعنى لما نقول
+
+121
+00:12:57,990 --> 00:13:04,490
+بشقيها أقصد الإيجارة إما أن تكون على العقار والآلي
+
+122
+00:13:04,490 --> 00:13:10,250
+والسيارة يعني على الجمادات وإما أن تكون على
+
+123
+00:13:10,250 --> 00:13:16,900
+الأشخاصنحن كموظفين مستعجرين، نحن أجراء، أجراء عند
+
+124
+00:13:16,900 --> 00:13:24,250
+هذه المؤسسةكل عامل هو أجير كل موظف هو أجير مستخدم
+
+125
+00:13:24,250 --> 00:13:31,110
+عند المؤسسة أو الشركة أو الجهة التي يعمل بها
+
+126
+00:13:31,110 --> 00:13:39,070
+تستأجره بمعنى أنها يعني تنتفع بعمله أو بعقله أو
+
+127
+00:13:39,070 --> 00:13:46,650
+بشيء عنده مدة معينة وتعطيه أجرا شهريا يوميا سنويا
+
+128
+00:13:46,650 --> 00:13:52,330
+سبوعياهذا أيضا إيجارة يعتبر، ليست الإيجارة قاصرة
+
+129
+00:13:52,330 --> 00:13:56,730
+على إيجارة العقارات والسيارات والأدوات والآلات، بل
+
+130
+00:13:56,730 --> 00:14:00,770
+الأشخاص، يعني هناك إيجارة أشخاص و هناك إيجارة يعني
+
+131
+00:14:00,770 --> 00:14:02,310
+عقارات وأدوات
+
+132
+00:14:05,310 --> 00:14:12,270
+الإيجارة بشقيها هي تمليك منفعة بعيوب وإذا أردنا أن
+
+133
+00:14:12,270 --> 00:14:17,790
+نتعريف أكتر تفصيلا يعني نقول أو نكتب هو لأنه فيه
+
+134
+00:14:17,790 --> 00:14:25,230
+شوية تعليقة عليه هو عبارة عن اللي هي الإيجارة عقد
+
+135
+00:14:25,230 --> 00:14:33,650
+على منفعة مقصودة
+
+136
+00:14:37,130 --> 00:14:50,350
+معلومة مباحة قابلة للبذل والإباحة
+
+137
+00:14:50,350 --> 00:14:56,450
+بعيوب معلومة
+
+138
+00:14:57,850 --> 00:15:00,810
+يعني هذه من التعريفات و هناك تعريفات ربما أخرى على
+
+139
+00:15:00,810 --> 00:15:05,230
+أي حال لكن هذه من التعريفات المفصلة نقف قليلا
+
+140
+00:15:05,230 --> 00:15:12,510
+عندها عقد الإيجار عقد على منفعة مقصودة معلومة
+
+141
+00:15:12,510 --> 00:15:20,310
+مباحة قابلة للبذل والإباحة باهوض المعلوم طبعا
+
+142
+00:15:23,780 --> 00:15:29,700
+أول ما تعرف به الإجارة أنها عقد، عقد بين طرفين
+
+143
+00:15:29,700 --> 00:15:32,800
+كسائر العقود، كعقد البيع، كعقد الرهن، كعقد
+
+144
+00:15:32,800 --> 00:15:37,460
+الكفالة، عقد، عقد من العقود، الإجارة عقد، يتم
+
+145
+00:15:37,460 --> 00:15:41,720
+التعاقد بين أثنين، فيها أجرني، أجرتك، ويتم الحديث
+
+146
+00:15:41,720 --> 00:15:50,160
+عن التفاصيل، فهي عقد، لكن ليست عقد على عينليست عقد
+
+147
+00:15:50,160 --> 00:15:56,640
+على تمليك عين، على شراء منزل أو شراء سيارة، وإنما
+
+148
+00:15:56,640 --> 00:16:03,900
+هو عقد على الانتفاع بعين معينة فقط عقد على
+
+149
+00:16:03,900 --> 00:16:10,420
+الانتفاع وليس على ذات العين وتملك العين فعندما قال
+
+150
+00:16:10,420 --> 00:16:16,260
+عقد على منفعة أخرج لنا عقود البية وعقود التمليك
+
+151
+00:16:16,260 --> 00:16:22,290
+التي تقع على ذات العينعلى ذات الشيء وتملكه وانتقال
+
+152
+00:16:22,290 --> 00:16:27,050
+حياته وملكيته من شخص إلى شخص، لكن هنا لأ، العين
+
+153
+00:16:27,050 --> 00:16:32,690
+تبقى لصاحبها، ذات الشيء يبقى لصاحبه، ولكن فقط هذا
+
+154
+00:16:32,690 --> 00:16:38,450
+العقد يقيق الحق في الانتفاع بهذه العين مدة معينة
+
+155
+00:16:38,450 --> 00:16:42,570
+التي تتفقون عليها بعد أن تدفع الأجرة أو على أن
+
+156
+00:16:42,570 --> 00:16:48,110
+تدفع الأجرة، أيضا هي عقد على منفعةليخرجان عقود
+
+157
+00:16:48,110 --> 00:16:52,450
+البيع والشراء، لأن يا أخوة عقود البيع بعضهم فيها
+
+158
+00:16:52,450 --> 00:16:58,230
+منفع، لكن مش منفعه بس، يعني المنفع فرع، هي عقد على
+
+159
+00:16:58,230 --> 00:17:03,070
+العين بما فيه المنفع، لكن هذه بس المنفع، والعين
+
+160
+00:17:03,070 --> 00:17:08,020
+أصلهالصاحبها ولذلك المستهجر مصمار واحد مابيقدر
+
+161
+00:17:08,020 --> 00:17:13,420
+يدقه يعني في ال .. مابيقدرش ياخد معاه يعني أي حاجة
+
+162
+00:17:13,420 --> 00:17:19,540
+عندما يخرج او عندما ينتهي العقد فقط عقد انتفاع عقد
+
+163
+00:17:19,540 --> 00:17:26,260
+انتفاع بقاء مدى معين سياقته للسيارة مدى معين و
+
+164
+00:17:26,260 --> 00:17:31,910
+هكذاعقد على منفعة وليس أي منفعة، يعني إذا كانت
+
+165
+00:17:31,910 --> 00:17:37,310
+المنفعة تافهة، بسيطة، لا تسمى عقدة، يعني واحد يعني
+
+166
+00:17:37,310 --> 00:17:43,390
+في السوق، واحد حمله شوية أغراض معاه، ولو أعطاه
+
+167
+00:17:43,390 --> 00:17:49,180
+جرشين، مااسمهوش يعني عقد إجارةعقد الإيجارة لابد أن
+
+168
+00:17:49,180 --> 00:17:54,760
+يكون يعني عقد له على أمر مهم، على أمر و هو معبرا
+
+169
+00:17:54,760 --> 00:18:00,100
+عنه بقوله مقصود، عقد على منفعة مقصودة و إلا فمثل
+
+170
+00:18:00,100 --> 00:18:05,240
+هذه لا تسمى يعني عقود إيجارة، يعني والله الولد حمل
+
+171
+00:18:05,240 --> 00:18:09,260
+معايا و ماشي استئجار، يعني بالمعنى الفقهي للصحية
+
+172
+00:18:10,290 --> 00:18:14,690
+تحتاج إلى تفاصيل وشروط، لأ لأ، رقود إذا عقد على
+
+173
+00:18:14,690 --> 00:18:21,030
+منفعة مقصودة معلومة، لابد أن تكون المنفعة التي
+
+174
+00:18:21,030 --> 00:18:28,170
+نريد أن نتعاقد عليها وننتفع بها معلومة، معلومة
+
+175
+00:18:28,170 --> 00:18:33,250
+المدة، معلومة الطبيعة، أنا بستأجر البيت يعني لمدة
+
+176
+00:18:33,250 --> 00:18:40,140
+معينةبس تأجروا بضوابط معينة ممنوع تعملوا ممنوع
+
+177
+00:18:40,140 --> 00:18:46,300
+تسوي اه الأمور لابد ان تكون معلومة و ليست مجهولة
+
+178
+00:18:46,300 --> 00:18:53,520
+ليخرجنا بخوله معلومةبعض المعاملات أو العقود التي
+
+179
+00:18:53,520 --> 00:18:59,980
+تشبه عقد الإيجارة وليست كذلك زي ايش؟ جالك في حاجة
+
+180
+00:18:59,980 --> 00:19:04,860
+اسمها المضاربة عقد المضاربة وهو نوع من أنواع
+
+181
+00:19:04,860 --> 00:19:10,380
+الشركات تعرفونه واحد يعني باستثمر واحد اثنين شركاء
+
+182
+00:19:10,380 --> 00:19:14,180
+واحد بجهده وواحد بماله واحد بجهده وخبرته وواحد
+
+183
+00:19:14,180 --> 00:19:21,380
+بماله ومحلاته وآلاتههؤلاء يتفقون، يعني هي في
+
+184
+00:19:21,380 --> 00:19:28,520
+حقيقتها أشبه بإنه، أشبه باستئجار، يعني كأن الشخص
+
+185
+00:19:28,520 --> 00:19:33,820
+هذا أحدهم استأجر الأيلات والمحلات أو كأن صاحب
+
+186
+00:19:33,820 --> 00:19:39,080
+المال استأجر الشخص بجهده، فكأنه استئجار، لكن ليست
+
+187
+00:19:39,080 --> 00:19:45,290
+إيجارةلأنها ليست معلومة لأنه احنا في العادة بيكون
+
+188
+00:19:45,290 --> 00:19:50,750
+فيه اخوة المضارب له خليني
+
+189
+00:19:50,750 --> 00:19:58,190
+اقول مرونة او له توكيل مفتوح إلى حد كبير خاصة في
+
+190
+00:19:58,190 --> 00:20:03,790
+المضاربة المطلقة ان ان يفعل ما يشاء ان يتاجر بما
+
+191
+00:20:03,790 --> 00:20:09,340
+يشاءالمضاربة قد تكون مقيدة وقد تكون مطلقة أحيانًا
+
+192
+00:20:09,340 --> 00:20:12,920
+بقوله خد هذه الفلوس خدش ما بدك اطلب وانت اشتغل
+
+193
+00:20:12,920 --> 00:20:18,600
+مفتوح الأمور قدامك الأمور فيها ليست معلومة الشيء
+
+194
+00:20:18,600 --> 00:20:23,820
+اللي احنا نتفاق عليه اتفاق ليس محددًا فهذه لا
+
+195
+00:20:23,820 --> 00:20:31,120
+تخرجوا عن أو تخرجوا عن كونها تخرجوا عن كونها إيه
+
+196
+00:20:31,120 --> 00:20:39,290
+إجارة وتندرس تحتمعاملات اخرى وهي المضاربة زي ايش
+
+197
+00:20:39,290 --> 00:20:43,670
+كمان قالوا زي الجعالة الجعالة برضه عقد من عقد
+
+198
+00:20:43,670 --> 00:20:48,810
+المعاملات وهو اشبه لحد كبير بالاجارة ايضا لكنه
+
+199
+00:20:48,810 --> 00:20:56,470
+يختلف عنها في انه في برضه قضية تحديد الأجر او
+
+200
+00:20:56,470 --> 00:21:02,430
+تحديد العمل تحديد المنفع اللتي سيتم يعني واحد بيجي
+
+201
+00:21:03,630 --> 00:21:08,750
+صاحب عمل أو صاحب إمارة بيطلّي أحجار و رمل و كذا
+
+202
+00:21:08,750 --> 00:21:15,330
+بيجيب شوية أمال يا جماعة طلّوا الرمل هذه و الحجار
+
+203
+00:21:15,330 --> 00:21:18,790
+طب كل هين و لا .. قالت ما تطلّوا و طلّوا طب قداش
+
+204
+00:21:18,790 --> 00:21:24,550
+أجارنا؟ قالوا لا يهمكم أه انتوا هارضيكم سأجعلوا
+
+205
+00:21:24,550 --> 00:21:30,750
+لكم مصيبا يعني تربونهم قالت و أكلنا على الله و
+
+206
+00:21:30,750 --> 00:21:36,190
+بدوا يشتغلوالايعرفين إيش بالظبط اللي هيشتغلوه أو
+
+207
+00:21:36,190 --> 00:21:41,290
+ليس محددا ولا إيش الثمن لكنهم مستأجرين هم حقيقة
+
+208
+00:21:41,290 --> 00:21:45,890
+هذه أيضا خرجت عن كونها إجارة لعدم المعلومية وسميت
+
+209
+00:21:45,890 --> 00:21:48,910
+جعالة واختلف العلماء في صحتها بالمناسبة البعض
+
+210
+00:21:48,910 --> 00:21:52,930
+أجازها والبعض لم يجزها فهي تسمى بالجعالة يعني
+
+211
+00:21:52,930 --> 00:21:58,570
+جعلته لك أجرا أو ثمنا أو بدلا على أن تفعل كده وكده
+
+212
+00:21:58,570 --> 00:22:02,900
+أو على أن تعمل لدي أو إلى غير ذريعلى كل الأحوال،
+
+213
+00:22:02,900 --> 00:22:06,720
+إذا عقد على منفعة مقصودة في الإيجار، يعني لابد
+
+214
+00:22:06,720 --> 00:22:11,760
+تكون واضحة الأمورواضحة منفعة مقصودة معلومة كمان
+
+215
+00:22:11,760 --> 00:22:16,880
+لازم تكون مباحة مابصحش ان واحد يجي استأجر من شخص
+
+216
+00:22:16,880 --> 00:22:21,320
+منفعة حتى لو كانت مقصودة و لو كانت معلومة لكن عاوز
+
+217
+00:22:21,320 --> 00:22:25,620
+يعمل نادي قمار او عاوز يفتح لي بار او عاوز يعمل
+
+218
+00:22:25,620 --> 00:22:30,960
+خمارة او غير ذلك لا يجوز هذا هذه تخرج اصلا باطلة
+
+219
+00:22:30,960 --> 00:22:35,480
+من اصطها لا اجارة ولا تجارة اذا عقد على منفعة
+
+220
+00:22:35,480 --> 00:22:41,520
+مقصودةمعلومة مباحة كمان هذه زي قيود أو زي شروط
+
+221
+00:22:41,520 --> 00:22:46,460
+منفعة مقصودة معلومة مباحة قابلة للبذل يعني لابد أن
+
+222
+00:22:46,460 --> 00:22:50,460
+تكون هذا .. هذا .. هذه الشيء .. هذا الشيء المستأجر
+
+223
+00:22:50,460 --> 00:22:55,480
+العين أو الآلة أو الكذا يعني مما من الأشياء التي
+
+224
+00:22:55,480 --> 00:23:00,800
+يجوزوا استئجارها ويجوز لكل شخص أن ينتفع بها وليست
+
+225
+00:23:00,800 --> 00:23:05,480
+أمور حصريةيعني انت بتأجل الشغل السنة هذه لفلان و
+
+226
+00:23:05,480 --> 00:23:10,720
+السنة الجاية لعلان و السنة التالتة لغيره مافي
+
+227
+00:23:10,720 --> 00:23:14,880
+مشكلة بتأجل السيارة بركبها مليون واحد و هكذا
+
+228
+00:23:14,880 --> 00:23:19,560
+الألات انت النجارين بيشغلوا مثلا او بيأجروا آلاتهم
+
+229
+00:23:19,560 --> 00:23:26,840
+او بيأجروالكن هناك يعني أحيانا عقود خاصة كعقد
+
+230
+00:23:26,840 --> 00:23:31,580
+الزواج هذه عقود خاصة لا يجوزوا وإن كانت على منفعة
+
+231
+00:23:31,580 --> 00:23:36,460
+ومقفودة ومعلومة الأمور وإلى حد ما لكن هذا عقد يخرج
+
+232
+00:23:36,460 --> 00:23:41,560
+عن كونه عقد إيجارة ليس عقد إيجارة لأنه ليس قابل
+
+233
+00:23:41,560 --> 00:23:48,500
+بالبذل لأن تم تخصصية في هذا العقد ولا يجوزوا يعني
+
+234
+00:23:48,500 --> 00:23:57,020
+أنتكون المرأة أو الرجل مبتذلا إذا قابلا للباب
+
+235
+00:23:57,020 --> 00:24:02,300
+فالمرأة تختص بزوجها والزوج يختص بزوجته قابلة للبذل
+
+236
+00:24:02,300 --> 00:24:06,800
+والإباحة بمعنى واحد لا تباح إلا .. قابلة للإباحة
+
+237
+00:24:06,800 --> 00:24:12,640
+بهذا العقل كل شخص لكن هذه لا تقبل الإباحة إلا لشخص
+
+238
+00:24:12,640 --> 00:24:21,850
+واحدكمان لابد ان تكون بعيوض يعني هذه تتم حقيقة
+
+239
+00:24:21,850 --> 00:24:28,090
+للأولى بعيوض المعلوم ليخرج لنا هناك يا أخوة بعض
+
+240
+00:24:28,090 --> 00:24:31,210
+العقود
+
+241
+00:24:31,210 --> 00:24:39,850
+التي تنطبق عليها كل هذه القيود لكن بدون عيوضبدون
+
+242
+00:24:39,850 --> 00:24:45,170
+عيوط، بدون مقابل، يعني عقد على منفعة مقصودة
+
+243
+00:24:45,170 --> 00:24:52,150
+ومعلومة، معروفة ومباحة وقابلة للبذل، ولكن بدون
+
+244
+00:24:52,150 --> 00:25:02,990
+عيوط، زي إيش؟ هبة إيش؟ مش أي هبة، لأ، أي هبة،
+
+245
+00:25:02,990 --> 00:25:06,310
+معناته تمليك، احنا مانتكلمش عن تمليك، أنا وهبتك
+
+246
+00:25:06,310 --> 00:25:11,030
+هالكمبيوتر ولا هالطاولة ولا ..هي بتمنفع، هي
+
+247
+00:25:11,030 --> 00:25:15,990
+بتمنفع، يعني انا ممكن انا اقول يا ولاد فلان و الله
+
+248
+00:25:15,990 --> 00:25:20,550
+حالته اندي دار زيادة، اندي شجة فاضية، بقول و الله
+
+249
+00:25:20,550 --> 00:25:27,270
+فلان بنعمكوا جريبنا صاحبنا بدوا يتجوزوا، سكنوا
+
+250
+00:25:27,270 --> 00:25:31,050
+سنتين، سكنوا سنتين في هذه الشجة
+
+251
+00:25:34,440 --> 00:25:39,820
+فهو عقد على منفعة مقصودة معلومة مباحة قابلة للبذل
+
+252
+00:25:39,820 --> 00:25:46,030
+والباحة لكن بلا هوابطبلا عوض، هذه هيبة، هيبة
+
+253
+00:25:46,030 --> 00:25:49,970
+منفعة، بس ماهياش إجارة، خلصت عن كونها إجارة، أنا
+
+254
+00:25:49,970 --> 00:25:55,150
+ماأجرته وماملكته كمان، ماأجرته وماملكته، فليست
+
+255
+00:25:55,150 --> 00:26:00,590
+إجارة وليست تمليكا حقيقيا للعقار، ولكن تمليك منفعة
+
+256
+00:26:00,590 --> 00:26:05,490
+فقط، تمليك منفعة كت .. كت .. والإجارة هي عبارة عن
+
+257
+00:26:05,490 --> 00:26:10,670
+تمليك منفعة، لكن بلا عوض، الهيبة هيبة منفعة، أقرب
+
+258
+00:26:10,670 --> 00:26:16,200
+صورة أقرب من هذه، الإعارةانت بتروح من جارك و الله
+
+259
+00:26:16,200 --> 00:26:20,640
+صار عندك عروس ان شاء الله ربنا يفرح الجميع بدنا
+
+260
+00:26:20,640 --> 00:26:26,800
+نتجوز اه بدنا السيارة تحمل العريس و العروس مافيش
+
+261
+00:26:26,800 --> 00:26:30,560
+عندنا سيارة و الله يجهرني عنده سيارة 2012 حلوة
+
+262
+00:26:30,560 --> 00:26:35,960
+مظبطة بتجيجيها القرسان طب قولوله شوفوه راحوا قال
+
+263
+00:26:35,960 --> 00:26:41,840
+اتفضلوا هى احسابكوا السيارة كل اليوم هل هذي ايه
+
+264
+00:26:41,840 --> 00:26:47,040
+ولا دولارولا دولار، لو قال بدي دولار صارت إجارة،
+
+265
+00:26:47,040 --> 00:26:51,260
+اه لو روحت على المكتب بتصير إجارة، ممكن تروح على
+
+266
+00:26:51,260 --> 00:26:53,920
+المكتب مافيش إجارة تقالك لا و الله خاف على السيارة
+
+267
+00:26:53,920 --> 00:26:58,200
+أو تقال لك أنا مالي، مارضيش، اضطريت تروح على
+
+268
+00:26:58,200 --> 00:27:02,380
+المكتب، إذا كتستأجر، استأجر، السيارة دي إجارة، لكن
+
+269
+00:27:02,380 --> 00:27:07,240
+لما نعطاك إياها تتفق فيها لمدة يوم، هذه إعارة
+
+270
+00:27:08,860 --> 00:27:12,460
+الجيران المزارعين و هذا والله ال tractor تبعهم
+
+271
+00:27:12,460 --> 00:27:17,460
+تعال والله رفقها الأرض و يعني ممكن .. ممكن بدون
+
+272
+00:27:17,460 --> 00:27:22,520
+إذا كان بأجر صارت إجارة، بلا أجر صارت .. ماصارتش
+
+273
+00:27:22,520 --> 00:27:27,540
+إجارة، صارت إعارة، صارت هبة منفعة، صارت يعني و
+
+274
+00:27:27,540 --> 00:27:32,670
+هكذا، إذاثم إن هذا العيوب لابد أن يكون معلوما كما
+
+275
+00:27:32,670 --> 00:27:37,890
+قلت أنه لو لم يكن معلوما أصبح جعالة أو مضاربة كما
+
+276
+00:27:37,890 --> 00:27:44,190
+قلنا من قبل، إذن هذه يا إخوة هذه هي الإجارة التي
+
+277
+00:27:44,190 --> 00:27:50,710
+يعني هي أصل للإجارة المنتهية بالتملك والإجارة أيها
+
+278
+00:27:50,710 --> 00:27:58,750
+الإخوةمشروعة جائزة عند المسلمين وعند غير المسلمين
+
+279
+00:27:58,750 --> 00:28:04,830
+بل استطيع القول بأن الإجارة يعني مشروعيتها لدى
+
+280
+00:28:04,830 --> 00:28:10,090
+البشرية جمعة وأن الناس منذ وجدوا على هذه الأرض كما
+
+281
+00:28:10,090 --> 00:28:16,430
+عرفوا البيعةوالشراء عرفوا الإجارة والاستئجار، ذلك
+
+282
+00:28:16,430 --> 00:28:23,830
+لأن الناس بتبيعتهم مختلفون في مستوياتهم وفي غناهم
+
+283
+00:28:23,830 --> 00:28:30,170
+وفقرهم فالبعض يستطيع أن يشتري السلعة ويتملكها
+
+284
+00:28:30,170 --> 00:28:35,410
+والبعض ما يستطيع، ما لا يستطيعيعني البديل لديه
+
+285
+00:28:35,410 --> 00:28:41,170
+التأجير، عرفوا ذلك الناس بطبيعة حياتهم، بطبيعة
+
+286
+00:28:41,170 --> 00:28:44,570
+حاجياتهم،
+
+287
+00:28:44,570 --> 00:28:48,370
+بطبيعة تعاملاتهم، المصبح هي اللتي تفرض نفسها،
+
+288
+00:28:48,370 --> 00:28:51,910
+الحاجة هي اللتي تفرض نفسها على التعامل، الحاجة هي
+
+289
+00:28:51,910 --> 00:28:56,710
+اللتي تفرز التعاملات، جاري اندو تراكتور وانا
+
+290
+00:28:56,710 --> 00:29:03,080
+ماعنديش، وعندي أرض متحرثهاتفضل والله انا جديش ..
+
+291
+00:29:03,080 --> 00:29:07,000
+تعالي حروف الارض وخد .. جديش بيكلف، جديش بدك،
+
+292
+00:29:07,000 --> 00:29:13,180
+تفضل، هي خمسين شكل، هي مية شكل، بستاجرواو هكذا انا
+
+293
+00:29:13,180 --> 00:29:17,460
+بدي اسكن جاره عنده شجة زيادة او اي شخص او مكتب
+
+294
+00:29:17,460 --> 00:29:20,560
+فالاجارة
+
+295
+00:29:20,560 --> 00:29:25,600
+عرفت لدى البشرية جمعة و طبيعي يا اخوة اذا ما تعرفت
+
+296
+00:29:25,600 --> 00:29:34,220
+البشرية على شيء واستقرت عليه لا يمكن الا ان تأتي
+
+297
+00:29:34,220 --> 00:29:42,000
+الشريعة موافقة لما ان البشرية تجتمع على شيءتأتي
+
+298
+00:29:42,000 --> 00:29:47,000
+الشريعة موافقة لهذا الشيء لأن الشريعة أيها الأخوة
+
+299
+00:29:47,000 --> 00:29:52,600
+إنما جاءت موافقة لطبائع الناس السوية لكن لطبائع
+
+300
+00:29:52,600 --> 00:30:00,530
+الناس وموافقة لمصالح الناس وميسرة على الناسفوالذلك
+
+301
+00:30:00,530 --> 00:30:05,130
+جُعِل الهُفُ الهُفُ الذي يتعارف عليه مصدر من مصادر
+
+302
+00:30:05,130 --> 00:30:11,210
+التشريع والهُفُ في الشرعية هو اعتباره وعليه الشرع
+
+303
+00:30:11,210 --> 00:30:16,110
+قد يداره أو الحكم قد يداره يعني الشريعة تعترف
+
+304
+00:30:16,110 --> 00:30:19,950
+بالواقع تعترف بالأعراف الناس وبمعاملة الناس
+
+305
+00:30:19,950 --> 00:30:25,590
+وبمصالح الناس فإذا قرّ الناس جميعاكما يقولون لسنة
+
+306
+00:30:25,590 --> 00:30:29,630
+الخلق أقلام الحق على أن الإجارة على التعامل
+
+307
+00:30:29,630 --> 00:30:34,150
+بالإجارة فطبيعيا هذا إضافة إلى أنها بالفعل هي تحقق
+
+308
+00:30:34,150 --> 00:30:39,350
+ليس إقرار عشوائي هي بالفعل تحقق مصالح وتحقق تيسير
+
+309
+00:30:39,350 --> 00:30:47,580
+على الناس ثم إننا وجدنا ما يؤكد هذاهذا الجواز من
+
+310
+00:30:47,580 --> 00:30:51,920
+خلال آيات القرآن الكريم، من خلال سنة النبي صلى
+
+311
+00:30:51,920 --> 00:30:56,600
+الله عليه وسلم، ومن خلال إجماع الأمة على ذلك
+
+312
+00:30:56,600 --> 00:31:02,120
+القرآن الكريم في نصوص متعددة أيها الأخوة أكد أو
+
+313
+00:31:02,120 --> 00:31:08,340
+أشار إلى مشروعية الإجارةفي قصة بنات شعايدة اللتي
+
+314
+00:31:08,340 --> 00:31:15,460
+تعرفون جميعا اللتي ذهبنا للسقاء ووجد زحمة فكان نبي
+
+315
+00:31:15,460 --> 00:31:23,600
+الله موسى فيعني سقى لهما ثم عندما قادتا وكان
+
+316
+00:31:23,600 --> 00:31:28,160
+أبوهما شيخ كبير وليس لهما إخوة قالتها يا أبا
+
+317
+00:31:28,160 --> 00:31:31,440
+تستأجره إن خير من استأجرت القوي الأمين
+
+318
+00:31:36,070 --> 00:31:43,950
+شرع لنا ما لم يرد ناسخ، ولم يرد ناسخ، بل ورد ما
+
+319
+00:31:43,950 --> 00:31:48,730
+يؤكلربنا في موضوع الآخر سبحانه وتعالى يقول في
+
+320
+00:31:48,730 --> 00:31:52,030
+علاقة الزوجين أو في حقوق الزوجين فيما يتعلق بحقوق
+
+321
+00:31:52,030 --> 00:31:57,450
+الزوجين بعضهم على بعض فإن أرضعنا لكم فاتوهن أجورهن
+
+322
+00:31:57,450 --> 00:32:02,350
+خاصة عند الطلاق، في الحياة الزوجية العادية لا
+
+323
+00:32:02,350 --> 00:32:07,430
+تطالب المرأة بأجر ولا غير ذلك على رضعها، لكن مرات
+
+324
+00:32:07,430 --> 00:32:12,200
+يصير طلاق والمرأة المطلقة عندها رضيعطب هذا في
+
+325
+00:32:12,200 --> 00:32:16,080
+الأول وفي الآخر ابن الزلمة، مش هيقول ابن فاطم،
+
+326
+00:32:16,080 --> 00:32:22,580
+هيقول ابن محمد، فوالنفقة في العصل على الزوج، على
+
+327
+00:32:22,580 --> 00:32:29,520
+الأب، النفقة يا إخوة شرعا، نفقة الولد على أبيه،
+
+328
+00:32:29,520 --> 00:32:34,040
+وعلى المولود، ربنا يقول ماذا؟ وعلى المولود اللاهو،
+
+329
+00:32:34,040 --> 00:32:39,630
+تسوى تغنى؟و .. و رزق .. رزقهن و خسوةهن بالمعروف
+
+330
+00:32:39,630 --> 00:32:45,010
+يعني على الأب المرأة الآن مطلقة و بترضي الولد من
+
+331
+00:32:45,010 --> 00:32:50,510
+حجها انها تطالب مطلقها او زوجها الأول او أبو الولد
+
+332
+00:32:50,510 --> 00:32:56,690
+ب .. ب .. ب .. ب .. ب ثمن او ب .. اجرة على إرضائها
+
+333
+00:32:56,690 --> 00:33:01,470
+لهذا ال .. ال .. الولد وهذا طبعا واضح ان اقرار
+
+334
+00:33:03,870 --> 00:33:08,510
+بمشروعية الإيجارة واحنا بنقول الإيجارة بغض النظر
+
+335
+00:33:08,510 --> 00:33:13,890
+إيجارة أشخاص أو إيجارة يعني عقارات و أدوات و آلات
+
+336
+00:33:13,890 --> 00:33:21,530
+و غير ذلك الرسول صلى الله عليه و سلم يعني أقرّم
+
+337
+00:33:21,530 --> 00:33:27,250
+بقى الإيجارة و اتعامل بها احتجم و أطل حجامةأجره
+
+338
+00:33:27,250 --> 00:33:32,190
+الحجامة معروفة الحجامة يعني هي ضربة بمشرة في بعض
+
+339
+00:33:32,190 --> 00:33:38,990
+المناطق لإخراج الدم الفاسد أكثر من ذلك يعني حتى يا
+
+340
+00:33:38,990 --> 00:33:45,230
+أخوة شريعتنا أعطت الإجارة يعني مش بس حكم الإباحة
+
+341
+00:33:45,230 --> 00:33:49,450
+بل أكثر من ذلك يعني انظروا عندما
+
+342
+00:33:52,900 --> 00:33:57,080
+يخوف رب النبي صلى الله عليه وسلم في الحديث القدسي
+
+343
+00:33:57,080 --> 00:34:05,860
+من يأكل او من لا يعطي الأجير أجره ويعتبر أحد ثلاثة
+
+344
+00:34:05,860 --> 00:34:10,980
+هو خصمهم يوم القيامة الرسول صلى الله عليه وسلم
+
+345
+00:34:10,980 --> 00:34:20,920
+يقول ثلاثة أنا خصمهم يوم القيامة ومنهم رجل استأجر
+
+346
+00:34:20,920 --> 00:34:21,620
+رجلا
+
+347
+00:34:24,410 --> 00:34:30,790
+ووف له عمله فلم يعطيه أجره الله هو القصيدة طيب هذا
+
+348
+00:34:30,790 --> 00:34:36,470
+كمان أشد وأشد إذا كان يعني الحديث قدسي كان زيادة
+
+349
+00:34:36,470 --> 00:34:40,590
+على ذلك انظروا كلكم تعرفون قصة الثلاثة الذين دخلوا
+
+350
+00:34:40,590 --> 00:34:47,510
+كهفا ثم أغلقت .. نزلت صخرة على باب الكهف فأغلقته
+
+351
+00:34:47,510 --> 00:34:55,270
+قالوا ماذا نفعل؟قال كل واحد مننا يدعو الله بصالح
+
+352
+00:34:55,270 --> 00:35:05,210
+عمله، أحدهم الشاهد كان يعمل لديه عامل، راعي، غنم،
+
+353
+00:35:05,210 --> 00:35:12,290
+و يعطيه يعني كل شهر أو كل كذا يعني أجره، فالشاهد
+
+354
+00:35:12,290 --> 00:35:16,310
+أنه يعني أعطي الأجر، أعطي الأجيرة أجره قبل أن يجف
+
+355
+00:35:16,310 --> 00:35:20,620
+عرقة، النبي صلى الله عليه و سلم يقولهذه كلها تؤكد
+
+356
+00:35:20,620 --> 00:35:25,360
+على أن الإجارة أيها الإخوة مشروعة بل إن من واجبنا
+
+357
+00:35:25,360 --> 00:35:30,240
+أن نحترم
+
+358
+00:35:30,240 --> 00:35:35,420
+الأجراء والموظفين وأن نتلاعب هناك مؤسسات كثيرة
+
+359
+00:35:35,420 --> 00:35:43,490
+وأصحاب عمل يتلاعبون في الأجور ويخدمونحقوق
+
+360
+00:35:43,490 --> 00:35:48,050
+المستجارين على اي حال هذا بالنسبة للإيجار عموما
+
+361
+00:35:48,050 --> 00:35:51,710
+اما بالنسبة للإيجار المنتهي بالتمليك المرة القادمة
+
+362
+00:35:51,710 --> 00:35:53,250
+ان شاء الله نحاول الحديث
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..4fbe6500340c1c184620184481fbe4c936e87018
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0_raw.json
@@ -0,0 +1 @@
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الجديدة التي بدأت تتحدث فيها التي بدأت تتعامل بيها البنوك والمؤسسات المالية المعاصرة واضح من العنوان أو من الإسم والمصطلح أنها تنتمي إلى معاملة الإجارة أن هذه المعاملة", "tokens": [6027, 28814, 7435, 9640, 3660, 9673, 29399, 3224, 10632, 20666, 39237, 20292, 4117, 29538, 29538, 9673, 3615, 10943, 37977, 25724, 16254, 41891, 38392, 47525, 10721, 2655, 6055, 2655, 24401, 12984, 8978, 11296, 38392, 47525, 10721, 2655, 6055, 2655, 3615, 10943, 1211, 4724, 1829, 11296, 29739, 1863, 2407, 4117, 16070, 2304, 33604, 3794, 3794, 9307, 9673, 6027, 10632, 9673, 3615, 33546, 25720, 4032, 46958, 5016, 9154, 18863, 1863, 2407, 7649, 34051, 9154, 33688, 38251, 16070, 2304, 9381, 9566, 1211, 5016, 14739, 11296, 6055, 29399, 2304, 1829, 30731, 20449, 10943, 37977, 33688, 7435, 9640, 3660, 14739, 29538, 9673, 3615, 10943, 37977], "avg_logprob": -0.08234374769032002, "compression_ratio": 2.1988636363636362, "no_speech_prob": 5.960464477539063e-08, "words": [{"start": 372.48, "end": 373.3, "word": 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{"start": 2124.24, "end": 2124.42, "word": " إن", "probability": 0.5107421875}, {"start": 2124.42, "end": 2124.6, "word": " من", "probability": 0.861328125}, {"start": 2124.6, "end": 2125.36, "word": " واجبنا", "probability": 0.9661865234375}, {"start": 2125.36, "end": 2126.02, "word": " أن", "probability": 0.84228515625}, {"start": 2126.02, "end": 2130.24, "word": " نحترم", "probability": 0.9091796875}, {"start": 2130.24, "end": 2131.26, "word": " الأجراء", "probability": 0.8924560546875}, {"start": 2131.26, "end": 2132.44, "word": " والموظفين", "probability": 0.8877360026041666}, {"start": 2132.44, "end": 2132.72, "word": " وأن", "probability": 0.844970703125}, {"start": 2132.72, "end": 2133.62, "word": " نتلاعب", "probability": 0.89228515625}, {"start": 2133.62, "end": 2134.2, "word": " هناك", "probability": 0.895751953125}, {"start": 2134.2, "end": 2134.8, "word": " مؤسسات", "probability": 0.99599609375}, {"start": 2134.8, "end": 2135.42, "word": " كثيرة", "probability": 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9673, 29399, 3224, 1829, 20666, 39237, 20292, 4117, 9673, 25720, 25062, 18513, 46007, 16472, 13412, 16606, 21984, 8717, 5016, 995, 12610, 21542, 16254, 12984], "avg_logprob": -0.12599206065374707, "compression_ratio": 1.7878787878787878, "no_speech_prob": 1.633167266845703e-05, "words": [{"start": 2142.23, "end": 2143.49, "word": "حقوق", "probability": 0.9319661458333334}, {"start": 2143.49, "end": 2144.87, "word": " المستجارين", "probability": 0.796044921875}, {"start": 2144.87, "end": 2145.31, "word": " على", "probability": 0.67236328125}, {"start": 2145.31, "end": 2145.51, "word": " اي", "probability": 0.632080078125}, {"start": 2145.51, "end": 2145.95, "word": " حال", "probability": 0.997314453125}, {"start": 2145.95, "end": 2146.55, "word": " هذا", "probability": 0.7568359375}, {"start": 2146.55, "end": 2147.05, "word": " بالنسبة", "probability": 0.974853515625}, {"start": 2147.05, "end": 2147.47, "word": " للإيجار", "probability": 0.90751953125}, {"start": 2147.47, "end": 2148.05, "word": " عموما", "probability": 0.9356689453125}, {"start": 2148.05, "end": 2148.67, "word": " اما", "probability": 0.8994140625}, {"start": 2148.67, "end": 2149.13, "word": " بالنسبة", "probability": 0.9937744140625}, {"start": 2149.13, "end": 2149.59, "word": " للإيجار", "probability": 0.94990234375}, {"start": 2149.59, "end": 2150.11, "word": " المنتهي", "probability": 0.8502197265625}, {"start": 2150.11, "end": 2150.85, "word": " بالتمليك", "probability": 0.9737548828125}, {"start": 2150.85, "end": 2151.29, "word": " المرة", "probability": 0.88671875}, {"start": 2151.29, "end": 2151.71, "word": " القادمة", "probability": 0.9884440104166666}, {"start": 2151.71, "end": 2151.81, "word": " ان", "probability": 0.69580078125}, {"start": 2151.81, "end": 2152.01, "word": " شاء", "probability": 0.963134765625}, {"start": 2152.01, "end": 2152.17, "word": " الله", "probability": 0.96728515625}, {"start": 2152.17, "end": 2152.69, "word": " نحاول", "probability": 0.9720458984375}, 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\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..71937145eeebfd37319baf98677b8afa6d7eabc7
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/9pQBIdUxfQ0_raw.srt
@@ -0,0 +1,1448 @@
+1
+00:00:20,670 --> 00:00:24,970
+الله الرحمن الرحيم الحمد لله والصلاة والسلام على
+
+2
+00:00:24,970 --> 00:00:30,090
+رسول الله وعلى آله وصحبه ومن اهتدأ بهديه واستنى
+
+3
+00:00:30,090 --> 00:00:35,490
+بسنته إلى يوم الدين ربنا يسر لنا أمورنا واشرح لنا
+
+4
+00:00:35,490 --> 00:00:40,390
+صدورنا وعلّمنا ماينفعنا وانفعنا بما علمتنا وازدنا
+
+5
+00:00:40,390 --> 00:00:43,030
+علما الإخوة الكرام
+
+6
+00:00:46,270 --> 00:00:52,690
+بعد أن انتهينا من الحديث عن المرابحة المصرفية أو
+
+7
+00:00:52,690 --> 00:00:59,950
+بيع المرابحة للآمر بالشراء على مدار محاضرات متعددة
+
+8
+00:01:01,510 --> 00:01:10,650
+وهي إحدى المعاملات التي تقوم بها البنوك الإسلامية
+
+9
+00:01:10,650 --> 00:01:19,570
+بقصد الاستثمار والتمويل وجذب الزبائن وغير ذلك ثم
+
+10
+00:01:19,570 --> 00:01:23,670
+أو ننتقل للحديث اليوم بإذن الله سبحانه وتعالى
+
+11
+00:01:23,670 --> 00:01:35,620
+ننتقل للحديث عن معاملة جديدةمعاصرة بدأت
+
+12
+00:01:35,620 --> 00:01:44,480
+تتعامل بها البنوك الإسلامية وغيرها من المؤسسات
+
+13
+00:01:44,480 --> 00:01:48,580
+المالية توخيا
+
+14
+00:01:48,580 --> 00:01:51,720
+للتعامل
+
+15
+00:01:51,720 --> 00:01:56,180
+وفق الأحكام الشرعية ووفق الحلال وبؤدا عن الربا
+
+16
+00:01:56,180 --> 00:02:04,470
+والمعاملات المحرمةهذه المعاملة التي نريد أن نتحدث
+
+17
+00:02:04,470 --> 00:02:12,430
+عنها وبدأت البنوك الإسلامية تتعامل بها هي الإيجارة
+
+18
+00:02:12,430 --> 00:02:20,270
+المنتهية بالتمليك وقبل أن نبدأ في الحديث عن
+
+19
+00:02:20,270 --> 00:02:27,550
+الإيجارة المنتهية بالتمليك من حيث تعريفها ومن حيث
+
+20
+00:02:30,380 --> 00:02:38,720
+حكمها وأراء العلماء فيها وغير ذلك هناك وقفات
+
+21
+00:02:38,720 --> 00:02:43,640
+الأولى
+
+22
+00:02:43,640 --> 00:02:46,920
+متعلقة
+
+23
+00:02:46,920 --> 00:02:55,340
+بهذا المصطلح باسم هذه المعاملة الإجارة المنتهية
+
+24
+00:02:55,340 --> 00:03:04,350
+بالتمليكمن حيث إن هذا المصطلح أو هذا الإسم أيها
+
+25
+00:03:04,350 --> 00:03:13,830
+الإخوة يبدو للناظر يبدو للمطلع
+
+26
+00:03:13,830 --> 00:03:17,550
+عليه أنه يحمل تناقضا
+
+27
+00:03:21,490 --> 00:03:27,630
+في ذاته بين الفاظه وكلماته الإجارة المنتهية
+
+28
+00:03:27,630 --> 00:03:35,070
+بالتمليك ومحل هذا التناقض الذي يظهر أو قد يظهر
+
+29
+00:03:35,070 --> 00:03:42,990
+للبعض أن الإجارة في الأصل كما هي معروفة كما نعرفها
+
+30
+00:03:42,990 --> 00:03:51,370
+في شريعتنا وكما يعرفها الناس جميعا حتىلا تنتهي
+
+31
+00:03:51,370 --> 00:04:00,850
+بالتمليك الإجارة عقد مؤقت مهما طال عقد محدد مدته
+
+32
+00:04:00,850 --> 00:04:05,630
+بشهر أو شهرين، بعام أو عامين، بعشرة أعوام أو
+
+33
+00:04:05,630 --> 00:04:09,990
+بعشرين عاما ولكن
+
+34
+00:04:09,990 --> 00:04:15,270
+التمليك تتأبد ملكية السلعة لصاحبها
+
+35
+00:04:18,170 --> 00:04:27,230
+الإيجارة تتقيد فيها وبها تصرفات
+
+36
+00:04:27,230 --> 00:04:36,490
+المستأجر والتمليق لا قيدة على المالك يتصرف كيف
+
+37
+00:04:36,490 --> 00:04:46,090
+يشاء فكيف يجتمع المقيدبالمطلق كفى يجتمع المؤقت مع
+
+38
+00:04:46,090 --> 00:04:53,650
+المؤبد انه تناقض او قد يبدو انه تناقض يحتاجوا الى
+
+39
+00:04:53,650 --> 00:04:59,430
+فك يحتاجوا الى حل اجارة المنتهية بالتمليك ولذلك
+
+40
+00:04:59,430 --> 00:05:06,610
+يعني يمكن قبل عشر سنينكنت أستمع إلى يعني محطة
+
+41
+00:05:06,610 --> 00:05:13,430
+وربما قلت لكم قبل ذلك في الفتوى أو عن إجابات فسؤلة
+
+42
+00:05:13,430 --> 00:05:18,350
+ذلكم العالم أو الشيخ عن الإجارة المنتهية بالتمليك
+
+43
+00:05:19,760 --> 00:05:23,820
+هذا في بدايات ظهورها ولم تكن منتشرة بعد فقال لا
+
+44
+00:05:23,820 --> 00:05:28,680
+أعرفه شيئا اسمه الإجارة المنتهية بالتمليك فعلا لا
+
+45
+00:05:28,680 --> 00:05:33,620
+يعرفه على حقيقته و على بكيفيته و ليس معوفا في
+
+46
+00:05:33,620 --> 00:05:40,100
+الفقه قديما و يتناقب كذلك مع يعني مفهوم كل من
+
+47
+00:05:40,100 --> 00:05:47,960
+الإجارة و مفهوم كل من التمليك يتناقضان فكيف التأمة
+
+48
+00:05:48,910 --> 00:05:55,530
+هذا المصطلح مع بعضه البعض وهل يمكن أن نجد له
+
+49
+00:05:55,530 --> 00:06:02,070
+تخريجا شرعيا يسويغه ويجوز هذه المعاملة هذا ما
+
+50
+00:06:02,070 --> 00:06:05,910
+سنحاول أن نراه هذا ما أردت أن أشير له في البداية
+
+51
+00:06:05,910 --> 00:06:13,920
+ثانيا الوقفة الثانية هو أنالإجارة المنتهية
+
+52
+00:06:13,920 --> 00:06:18,220
+بالتمليك هذه هذه المعاملة الجديدة التي بدأت تتحدث
+
+53
+00:06:18,220 --> 00:06:21,740
+فيها التي بدأت تتعامل بيها البنوك والمؤسسات
+
+54
+00:06:21,740 --> 00:06:28,960
+المالية المعاصرة واضح من العنوان أو من الإسم
+
+55
+00:06:28,960 --> 00:06:36,240
+والمصطلح أنها تنتمي إلى معاملة الإجارة أن هذه
+
+56
+00:06:36,240 --> 00:06:42,670
+المعاملةالإيجارة المنتهية بالتمليك تنتمي إلى
+
+57
+00:06:42,670 --> 00:06:45,790
+الإيجارة،
+
+58
+00:06:45,790 --> 00:06:51,450
+إلى عقد الإيجارة، بمعنى أن لها علاقة ما بالإيجارة
+
+59
+00:06:51,450 --> 00:06:58,280
+أو لابد أن يكون لها علاقة بشكل أو بآخرواضح كما قلت
+
+60
+00:06:58,280 --> 00:07:04,480
+مرة أخرى من الفاظ المصطلح أن هذه المعاملة الإجارة
+
+61
+00:07:04,480 --> 00:07:09,460
+المنتهية بالتمليك لها علاقة بشكل او باخر بالإجارة
+
+62
+00:07:09,460 --> 00:07:15,990
+التي نعرفهاأو بمعنى أخر يمكن أن نقول أنها صورة من
+
+63
+00:07:15,990 --> 00:07:22,030
+صور الإيجارة صورة مولدة أو مطورة تماما كما قلنا أو
+
+64
+00:07:22,030 --> 00:07:26,610
+عندما تحدثنا عن المرابحة المصرفية أو باية المرابحة
+
+65
+00:07:26,610 --> 00:07:35,590
+للآمر بالشراء كانت عبارة عن صورةمطورة أو مولدة عن
+
+66
+00:07:35,590 --> 00:07:42,970
+المرابح التي عرفها الفقهاء قديما لكن بثوبها الجديد
+
+67
+00:07:42,970 --> 00:07:46,490
+بصورتها الجديدة بإجراءاتها الجديدة لم تكن معروفة
+
+68
+00:07:46,490 --> 00:07:52,220
+المرابح وكذلك الإجار المنتهي بالتمليق وإن كانلها
+
+69
+00:07:52,220 --> 00:07:58,180
+علاقة كما سنرى بشكل او باخر بمعاملة الإيجارة وبعقد
+
+70
+00:07:58,180 --> 00:08:04,200
+الإيجارة لكنها ستختلفوا في حقيقتها عن الإيجارة
+
+71
+00:08:04,200 --> 00:08:10,900
+العادية ومن هنا كان لابد لنا أن نتعرف على حكمها
+
+72
+00:08:10,900 --> 00:08:17,440
+عند العلماء المعاصرين النقطة الثالثة أيضا قبل أن
+
+73
+00:08:17,440 --> 00:08:25,180
+نبدأوبيها نشرع في الحديث هو أو تتمثل في ضرورة
+
+74
+00:08:25,180 --> 00:08:31,820
+التعرف على معنى الإجارة وحكمها وبعض المسائل متعلقة
+
+75
+00:08:31,820 --> 00:08:37,310
+بها قبل أن نتحدث عن الإجارة المنتهية بالتمليكليه؟
+
+76
+00:08:37,310 --> 00:08:42,410
+كي تتضحى لنا الصورة أكثر و أكثر، بمعنى إنه إذا كنا
+
+77
+00:08:42,410 --> 00:08:46,590
+بنريد أن نتحدث عن الإيجار المنتهي بالتمليق وقد
+
+78
+00:08:46,590 --> 00:08:51,170
+قررنا أن ثم تعلاقة بينها وبين الإيجارة بشكل أو
+
+79
+00:08:51,170 --> 00:08:57,270
+بآخر، فلابد من الحديث قليلا عن الإيجارةهذا العقد
+
+80
+00:08:57,270 --> 00:09:03,790
+الذي يتعامل به الناس منذ وجده على هذه الأرض إلى أن
+
+81
+00:09:03,790 --> 00:09:09,430
+يرث الله الأرض ومن عليها ما حقيقة الإجارة عموما
+
+82
+00:09:09,430 --> 00:09:14,650
+وليس الإجارة المنتهية بالتمليل وما موقف الشريعة
+
+83
+00:09:14,650 --> 00:09:20,850
+الإسلامية منها يعني أيها الأخوة حقيقة الإجارة
+
+84
+00:09:20,850 --> 00:09:23,970
+ابتداء في اللغة بمعنى
+
+85
+00:09:26,460 --> 00:09:35,900
+البدل الذي يدفع أو يأخذ عن الانتفاء بشيء معين،
+
+86
+00:09:35,900 --> 00:09:44,680
+الهيواب، البدل، المالالنظير الذي يدفع أو يؤخذ من
+
+87
+00:09:44,680 --> 00:09:50,600
+المستأجر ويأخذ من المؤجر نظيرة لانتفاع المستاجر
+
+88
+00:09:50,600 --> 00:09:58,240
+بشيء معين، بعقار، بسيارة، بسلعة، بآلة، بشيء من
+
+89
+00:09:58,240 --> 00:10:06,270
+هذا، وهو ما يُعرف بالكراءالكراء يعني في الفقه
+
+90
+00:10:06,270 --> 00:10:11,730
+الإسلامي عرف بكراء الأرض يعني باستئجارها كراء
+
+91
+00:10:11,730 --> 00:10:15,870
+الأرض أنت تستأجر عشرة دولم و عشرين دولم لتزراعها
+
+92
+00:10:15,870 --> 00:10:22,630
+تدفع أجرتها لصاحبها وتستفيد
+
+93
+00:10:22,630 --> 00:10:25,910
+وتنتفع بزراعتها
+
+94
+00:10:28,340 --> 00:10:32,120
+فالإيجارة بمعنى الكراء وكلمة الكراء حتى معروفة لدى
+
+95
+00:10:32,120 --> 00:10:39,640
+العوام فينا يعني ومننا تستخدم عند العامة فلان كرة
+
+96
+00:10:39,640 --> 00:10:42,780
+بنقول احنا اليوم بنقول فلان استأجر دار او بيت
+
+97
+00:10:42,780 --> 00:10:47,030
+كانوا زمان بيقولوا فلان كرةمن .. من .. من الكراء
+
+98
+00:10:47,030 --> 00:10:53,830
+اللي هو أصل صحيح و فصيح لهذه ال .. ال .. الكلمة و
+
+99
+00:10:53,830 --> 00:10:58,030
+احنا صغار كنا بنقول انا بدأ أروح أكري بسكاليت يعني
+
+100
+00:10:58,030 --> 00:11:02,670
+أستأجر ماكانوش أباهاتنا بي .. يعني بيقدروا يشتروا
+
+101
+00:11:02,670 --> 00:11:06,550
+للواحد عجلة ولا بسكاليت كان الواحد بالجيش أو
+
+102
+00:11:06,550 --> 00:11:10,610
+بالتعريفة أو بالشلم بروح بي .. يعني إذا أخد من
+
+103
+00:11:10,610 --> 00:11:15,870
+أبوه أحسن إشي عندهان يروح يكري بسكليت لمدة خمس
+
+104
+00:11:15,870 --> 00:11:20,730
+دقايق او عشر دقايق يشوط فيه في الحارة بيبقى مسلطن
+
+105
+00:11:20,730 --> 00:11:26,790
+كأنه ملك الدنيا وما فيهاإذا هذا بالنسبة للإجارة
+
+106
+00:11:26,790 --> 00:11:32,330
+ويعني فهي ذلك فالإجارته من الأجر والأجر هو ذلك
+
+107
+00:11:32,330 --> 00:11:37,590
+الثمن الذي يدفع كما قلنا أو الثواب الذي يُأخذ وهذا
+
+108
+00:11:37,590 --> 00:11:42,670
+ينساحب على الأجر الدنيوي والأخروي أيضا يعني حتى
+
+109
+00:11:42,670 --> 00:11:46,630
+تلك الأجور التي يعطيها رب العالمين للناس نظيف
+
+110
+00:11:46,630 --> 00:11:51,330
+عباداتهم وإخلاصهم وإيمانهميعني هذه ايضا .. هذا
+
+111
+00:11:51,330 --> 00:11:59,850
+ثواب يسمى أجرا ويسمى ثمنا او بدلا او إلى غير ذلكفي
+
+112
+00:11:59,850 --> 00:12:05,070
+ال .. الإجارة اصطلاحا .. الإجارة في الاصطلاح
+
+113
+00:12:05,070 --> 00:12:09,750
+فالحقيقة تعدد التعريفات وإن كانت جميعها تدور حول
+
+114
+00:12:09,750 --> 00:12:16,970
+معنى معاني متقاربة هناك تعريفات مختصرة وأخرى موسعة
+
+115
+00:12:16,970 --> 00:12:25,640
+سأذكر تعريفا مختصر ثم آخريعني مفصل نقفه عندهم أما
+
+116
+00:12:25,640 --> 00:12:33,000
+التعريف المختصر للإيجارة
+
+117
+00:12:33,000 --> 00:12:39,180
+هي عبارة عن تمليك المنافع بعيوب الإجارة تمليك
+
+118
+00:12:39,180 --> 00:12:48,310
+منفعة بعيوبتمليكه منفعة واضحة من تعريفات الإيجارة
+
+119
+00:12:48,310 --> 00:12:51,870
+المختصرة ولازال الحديث أيها الأخوة عن إيه عن
+
+120
+00:12:51,870 --> 00:12:57,990
+الإيجارة العادية الإيجارة بشقيها بمعنى لما نقول
+
+121
+00:12:57,990 --> 00:13:04,490
+بشقيها أقصد الإيجارة إما أن تكون على العقار والآلي
+
+122
+00:13:04,490 --> 00:13:10,250
+والسيارة يعني على الجمادات وإما أن تكون على
+
+123
+00:13:10,250 --> 00:13:16,900
+الأشخاصنحن كموظفين مستعجرين، نحن أجراء، أجراء عند
+
+124
+00:13:16,900 --> 00:13:24,250
+هذه المؤسسةكل عامل هو أجير كل موظف هو أجير مستخدم
+
+125
+00:13:24,250 --> 00:13:31,110
+عند المؤسسة أو الشركة أو الجهة التي يعمل بها
+
+126
+00:13:31,110 --> 00:13:39,070
+تستأجره بمعنى أنها يعني تنتفع بعمله أو بعقله أو
+
+127
+00:13:39,070 --> 00:13:46,650
+بشيء عنده مدة معينة وتعطيه أجرا شهريا يوميا سنويا
+
+128
+00:13:46,650 --> 00:13:52,330
+سبوعياهذا أيضا إيجارة يعتبر، ليست الإيجارة قاصرة
+
+129
+00:13:52,330 --> 00:13:56,730
+على إيجارة العقارات والسيارات والأدوات والآلات، بل
+
+130
+00:13:56,730 --> 00:14:00,770
+الأشخاص، يعني هناك إيجارة أشخاص و هناك إيجارة يعني
+
+131
+00:14:00,770 --> 00:14:02,310
+عقارات وأدوات
+
+132
+00:14:05,310 --> 00:14:12,270
+الإيجارة بشقيها هي تمليك منفعة بعيوب وإذا أردنا أن
+
+133
+00:14:12,270 --> 00:14:17,790
+نتعريف أكتر تفصيلا يعني نقول أو نكتب هو لأنه فيه
+
+134
+00:14:17,790 --> 00:14:25,230
+شوية تعليقة عليه هو عبارة عن اللي هي الإيجارة عقد
+
+135
+00:14:25,230 --> 00:14:33,650
+على منفعة مقصودة
+
+136
+00:14:37,130 --> 00:14:50,350
+معلومة مباحة قابلة للبذل والإباحة
+
+137
+00:14:50,350 --> 00:14:56,450
+بعيوب معلومة
+
+138
+00:14:57,850 --> 00:15:00,810
+يعني هذه من التعريفات و هناك تعريفات ربما أخرى على
+
+139
+00:15:00,810 --> 00:15:05,230
+أي حال لكن هذه من التعريفات المفصلة نقف قليلا
+
+140
+00:15:05,230 --> 00:15:12,510
+عندها عقد الإيجار عقد على منفعة مقصودة معلومة
+
+141
+00:15:12,510 --> 00:15:20,310
+مباحة قابلة للبذل والإباحة باهوض المعلوم طبعا
+
+142
+00:15:23,780 --> 00:15:29,700
+أول ما تعرف به الإجارة أنها عقد، عقد بين طرفين
+
+143
+00:15:29,700 --> 00:15:32,800
+كسائر العقود، كعقد البيع، كعقد الرهن، كعقد
+
+144
+00:15:32,800 --> 00:15:37,460
+الكفالة، عقد، عقد من العقود، الإجارة عقد، يتم
+
+145
+00:15:37,460 --> 00:15:41,720
+التعاقد بين أثنين، فيها أجرني، أجرتك، ويتم الحديث
+
+146
+00:15:41,720 --> 00:15:50,160
+عن التفاصيل، فهي عقد، لكن ليست عقد على عينليست عقد
+
+147
+00:15:50,160 --> 00:15:56,640
+على تمليك عين، على شراء منزل أو شراء سيارة، وإنما
+
+148
+00:15:56,640 --> 00:16:03,900
+هو عقد على الانتفاع بعين معينة فقط عقد على
+
+149
+00:16:03,900 --> 00:16:10,420
+الانتفاع وليس على ذات العين وتملك العين فعندما قال
+
+150
+00:16:10,420 --> 00:16:16,260
+عقد على منفعة أخرج لنا عقود البية وعقود التمليك
+
+151
+00:16:16,260 --> 00:16:22,290
+التي تقع على ذات العينعلى ذات الشيء وتملكه وانتقال
+
+152
+00:16:22,290 --> 00:16:27,050
+حياته وملكيته من شخص إلى شخص، لكن هنا لأ، العين
+
+153
+00:16:27,050 --> 00:16:32,690
+تبقى لصاحبها، ذات الشيء يبقى لصاحبه، ولكن فقط هذا
+
+154
+00:16:32,690 --> 00:16:38,450
+العقد يقيق الحق في الانتفاع بهذه العين مدة معينة
+
+155
+00:16:38,450 --> 00:16:42,570
+التي تتفقون عليها بعد أن تدفع الأجرة أو على أن
+
+156
+00:16:42,570 --> 00:16:48,110
+تدفع الأجرة، أيضا هي عقد على منفعةليخرجان عقود
+
+157
+00:16:48,110 --> 00:16:52,450
+البيع والشراء، لأن يا أخوة عقود البيع بعضهم فيها
+
+158
+00:16:52,450 --> 00:16:58,230
+منفع، لكن مش منفعه بس، يعني المنفع فرع، هي عقد على
+
+159
+00:16:58,230 --> 00:17:03,070
+العين بما فيه المنفع، لكن هذه بس المنفع، والعين
+
+160
+00:17:03,070 --> 00:17:08,020
+أصلهالصاحبها ولذلك المستهجر مصمار واحد مابيقدر
+
+161
+00:17:08,020 --> 00:17:13,420
+يدقه يعني في ال .. مابيقدرش ياخد معاه يعني أي حاجة
+
+162
+00:17:13,420 --> 00:17:19,540
+عندما يخرج او عندما ينتهي العقد فقط عقد انتفاع عقد
+
+163
+00:17:19,540 --> 00:17:26,260
+انتفاع بقاء مدى معين سياقته للسيارة مدى معين و
+
+164
+00:17:26,260 --> 00:17:31,910
+هكذاعقد على منفعة وليس أي منفعة، يعني إذا كانت
+
+165
+00:17:31,910 --> 00:17:37,310
+المنفعة تافهة، بسيطة، لا تسمى عقدة، يعني واحد يعني
+
+166
+00:17:37,310 --> 00:17:43,390
+في السوق، واحد حمله شوية أغراض معاه، ولو أعطاه
+
+167
+00:17:43,390 --> 00:17:49,180
+جرشين، مااسمهوش يعني عقد إجارةعقد الإيجارة لابد أن
+
+168
+00:17:49,180 --> 00:17:54,760
+يكون يعني عقد له على أمر مهم، على أمر و هو معبرا
+
+169
+00:17:54,760 --> 00:18:00,100
+عنه بقوله مقصود، عقد على منفعة مقصودة و إلا فمثل
+
+170
+00:18:00,100 --> 00:18:05,240
+هذه لا تسمى يعني عقود إيجارة، يعني والله الولد حمل
+
+171
+00:18:05,240 --> 00:18:09,260
+معايا و ماشي استئجار، يعني بالمعنى الفقهي للصحية
+
+172
+00:18:10,290 --> 00:18:14,690
+تحتاج إلى تفاصيل وشروط، لأ لأ، رقود إذا عقد على
+
+173
+00:18:14,690 --> 00:18:21,030
+منفعة مقصودة معلومة، لابد أن تكون المنفعة التي
+
+174
+00:18:21,030 --> 00:18:28,170
+نريد أن نتعاقد عليها وننتفع بها معلومة، معلومة
+
+175
+00:18:28,170 --> 00:18:33,250
+المدة، معلومة الطبيعة، أنا بستأجر البيت يعني لمدة
+
+176
+00:18:33,250 --> 00:18:40,140
+معينةبس تأجروا بضوابط معينة ممنوع تعملوا ممنوع
+
+177
+00:18:40,140 --> 00:18:46,300
+تسوي اه الأمور لابد ان تكون معلومة و ليست مجهولة
+
+178
+00:18:46,300 --> 00:18:53,520
+ليخرجنا بخوله معلومةبعض المعاملات أو العقود التي
+
+179
+00:18:53,520 --> 00:18:59,980
+تشبه عقد الإيجارة وليست كذلك زي ايش؟ جالك في حاجة
+
+180
+00:18:59,980 --> 00:19:04,860
+اسمها المضاربة عقد المضاربة وهو نوع من أنواع
+
+181
+00:19:04,860 --> 00:19:10,380
+الشركات تعرفونه واحد يعني باستثمر واحد اثنين شركاء
+
+182
+00:19:10,380 --> 00:19:14,180
+واحد بجهده وواحد بماله واحد بجهده وخبرته وواحد
+
+183
+00:19:14,180 --> 00:19:21,380
+بماله ومحلاته وآلاتههؤلاء يتفقون، يعني هي في
+
+184
+00:19:21,380 --> 00:19:28,520
+حقيقتها أشبه بإنه، أشبه باستئجار، يعني كأن الشخص
+
+185
+00:19:28,520 --> 00:19:33,820
+هذا أحدهم استأجر الأيلات والمحلات أو كأن صاحب
+
+186
+00:19:33,820 --> 00:19:39,080
+المال استأجر الشخص بجهده، فكأنه استئجار، لكن ليست
+
+187
+00:19:39,080 --> 00:19:45,290
+إيجارةلأنها ليست معلومة لأنه احنا في العادة بيكون
+
+188
+00:19:45,290 --> 00:19:50,750
+فيه اخوة المضارب له خليني
+
+189
+00:19:50,750 --> 00:19:58,190
+اقول مرونة او له توكيل مفتوح إلى حد كبير خاصة في
+
+190
+00:19:58,190 --> 00:20:03,790
+المضاربة المطلقة ان ان يفعل ما يشاء ان يتاجر بما
+
+191
+00:20:03,790 --> 00:20:09,340
+يشاءالمضاربة قد تكون مقيدة وقد تكون مطلقة أحيانًا
+
+192
+00:20:09,340 --> 00:20:12,920
+بقوله خد هذه الفلوس خدش ما بدك اطلب وانت اشتغل
+
+193
+00:20:12,920 --> 00:20:18,600
+مفتوح الأمور قدامك الأمور فيها ليست معلومة الشيء
+
+194
+00:20:18,600 --> 00:20:23,820
+اللي احنا نتفاق عليه اتفاق ليس محددًا فهذه لا
+
+195
+00:20:23,820 --> 00:20:31,120
+تخرجوا عن أو تخرجوا عن كونها تخرجوا عن كونها إيه
+
+196
+00:20:31,120 --> 00:20:39,290
+إجارة وتندرس تحتمعاملات اخرى وهي المضاربة زي ايش
+
+197
+00:20:39,290 --> 00:20:43,670
+كمان قالوا زي الجعالة الجعالة برضه عقد من عقد
+
+198
+00:20:43,670 --> 00:20:48,810
+المعاملات وهو اشبه لحد كبير بالاجارة ايضا لكنه
+
+199
+00:20:48,810 --> 00:20:56,470
+يختلف عنها في انه في برضه قضية تحديد الأجر او
+
+200
+00:20:56,470 --> 00:21:02,430
+تحديد العمل تحديد المنفع اللتي سيتم يعني واحد بيجي
+
+201
+00:21:03,630 --> 00:21:08,750
+صاحب عمل أو صاحب إمارة بيطلّي أحجار و رمل و كذا
+
+202
+00:21:08,750 --> 00:21:15,330
+بيجيب شوية أمال يا جماعة طلّوا الرمل هذه و الحجار
+
+203
+00:21:15,330 --> 00:21:18,790
+طب كل هين و لا .. قالت ما تطلّوا و طلّوا طب قداش
+
+204
+00:21:18,790 --> 00:21:24,550
+أجارنا؟ قالوا لا يهمكم أه انتوا هارضيكم سأجعلوا
+
+205
+00:21:24,550 --> 00:21:30,750
+لكم مصيبا يعني تربونهم قالت و أكلنا على الله و
+
+206
+00:21:30,750 --> 00:21:36,190
+بدوا يشتغلوالايعرفين إيش بالظبط اللي هيشتغلوه أو
+
+207
+00:21:36,190 --> 00:21:41,290
+ليس محددا ولا إيش الثمن لكنهم مستأجرين هم حقيقة
+
+208
+00:21:41,290 --> 00:21:45,890
+هذه أيضا خرجت عن كونها إجارة لعدم المعلومية وسميت
+
+209
+00:21:45,890 --> 00:21:48,910
+جعالة واختلف العلماء في صحتها بالمناسبة البعض
+
+210
+00:21:48,910 --> 00:21:52,930
+أجازها والبعض لم يجزها فهي تسمى بالجعالة يعني
+
+211
+00:21:52,930 --> 00:21:58,570
+جعلته لك أجرا أو ثمنا أو بدلا على أن تفعل كده وكده
+
+212
+00:21:58,570 --> 00:22:02,900
+أو على أن تعمل لدي أو إلى غير ذريعلى كل الأحوال،
+
+213
+00:22:02,900 --> 00:22:06,720
+إذا عقد على منفعة مقصودة في الإيجار، يعني لابد
+
+214
+00:22:06,720 --> 00:22:11,760
+تكون واضحة الأمورواضحة منفعة مقصودة معلومة كمان
+
+215
+00:22:11,760 --> 00:22:16,880
+لازم تكون مباحة مابصحش ان واحد يجي استأجر من شخص
+
+216
+00:22:16,880 --> 00:22:21,320
+منفعة حتى لو كانت مقصودة و لو كانت معلومة لكن عاوز
+
+217
+00:22:21,320 --> 00:22:25,620
+يعمل نادي قمار او عاوز يفتح لي بار او عاوز يعمل
+
+218
+00:22:25,620 --> 00:22:30,960
+خمارة او غير ذلك لا يجوز هذا هذه تخرج اصلا باطلة
+
+219
+00:22:30,960 --> 00:22:35,480
+من اصطها لا اجارة ولا تجارة اذا عقد على منفعة
+
+220
+00:22:35,480 --> 00:22:41,520
+مقصودةمعلومة مباحة كمان هذه زي قيود أو زي شروط
+
+221
+00:22:41,520 --> 00:22:46,460
+منفعة مقصودة معلومة مباحة قابلة للبذل يعني لابد أن
+
+222
+00:22:46,460 --> 00:22:50,460
+تكون هذا .. هذا .. هذه الشيء .. هذا الشيء المستأجر
+
+223
+00:22:50,460 --> 00:22:55,480
+العين أو الآلة أو الكذا يعني مما من الأشياء التي
+
+224
+00:22:55,480 --> 00:23:00,800
+يجوزوا استئجارها ويجوز لكل شخص أن ينتفع بها وليست
+
+225
+00:23:00,800 --> 00:23:05,480
+أمور حصريةيعني انت بتأجل الشغل السنة هذه لفلان و
+
+226
+00:23:05,480 --> 00:23:10,720
+السنة الجاية لعلان و السنة التالتة لغيره مافي
+
+227
+00:23:10,720 --> 00:23:14,880
+مشكلة بتأجل السيارة بركبها مليون واحد و هكذا
+
+228
+00:23:14,880 --> 00:23:19,560
+الألات انت النجارين بيشغلوا مثلا او بيأجروا آلاتهم
+
+229
+00:23:19,560 --> 00:23:26,840
+او بيأجروالكن هناك يعني أحيانا عقود خاصة كعقد
+
+230
+00:23:26,840 --> 00:23:31,580
+الزواج هذه عقود خاصة لا يجوزوا وإن كانت على منفعة
+
+231
+00:23:31,580 --> 00:23:36,460
+ومقفودة ومعلومة الأمور وإلى حد ما لكن هذا عقد يخرج
+
+232
+00:23:36,460 --> 00:23:41,560
+عن كونه عقد إيجارة ليس عقد إيجارة لأنه ليس قابل
+
+233
+00:23:41,560 --> 00:23:48,500
+بالبذل لأن تم تخصصية في هذا العقد ولا يجوزوا يعني
+
+234
+00:23:48,500 --> 00:23:57,020
+أنتكون المرأة أو الرجل مبتذلا إذا قابلا للباب
+
+235
+00:23:57,020 --> 00:24:02,300
+فالمرأة تختص بزوجها والزوج يختص بزوجته قابلة للبذل
+
+236
+00:24:02,300 --> 00:24:06,800
+والإباحة بمعنى واحد لا تباح إلا .. قابلة للإباحة
+
+237
+00:24:06,800 --> 00:24:12,640
+بهذا العقل كل شخص لكن هذه لا تقبل الإباحة إلا لشخص
+
+238
+00:24:12,640 --> 00:24:21,850
+واحدكمان لابد ان تكون بعيوض يعني هذه تتم حقيقة
+
+239
+00:24:21,850 --> 00:24:28,090
+للأولى بعيوض المعلوم ليخرج لنا هناك يا أخوة بعض
+
+240
+00:24:28,090 --> 00:24:31,210
+العقود
+
+241
+00:24:31,210 --> 00:24:39,850
+التي تنطبق عليها كل هذه القيود لكن بدون عيوضبدون
+
+242
+00:24:39,850 --> 00:24:45,170
+عيوط، بدون مقابل، يعني عقد على منفعة مقصودة
+
+243
+00:24:45,170 --> 00:24:52,150
+ومعلومة، معروفة ومباحة وقابلة للبذل، ولكن بدون
+
+244
+00:24:52,150 --> 00:25:02,990
+عيوط، زي إيش؟ هبة إيش؟ مش أي هبة، لأ، أي هبة،
+
+245
+00:25:02,990 --> 00:25:06,310
+معناته تمليك، احنا مانتكلمش عن تمليك، أنا وهبتك
+
+246
+00:25:06,310 --> 00:25:11,030
+هالكمبيوتر ولا هالطاولة ولا ..هي بتمنفع، هي
+
+247
+00:25:11,030 --> 00:25:15,990
+بتمنفع، يعني انا ممكن انا اقول يا ولاد فلان و الله
+
+248
+00:25:15,990 --> 00:25:20,550
+حالته اندي دار زيادة، اندي شجة فاضية، بقول و الله
+
+249
+00:25:20,550 --> 00:25:27,270
+فلان بنعمكوا جريبنا صاحبنا بدوا يتجوزوا، سكنوا
+
+250
+00:25:27,270 --> 00:25:31,050
+سنتين، سكنوا سنتين في هذه الشجة
+
+251
+00:25:34,440 --> 00:25:39,820
+فهو عقد على منفعة مقصودة معلومة مباحة قابلة للبذل
+
+252
+00:25:39,820 --> 00:25:46,030
+والباحة لكن بلا هوابطبلا عوض، هذه هيبة، هيبة
+
+253
+00:25:46,030 --> 00:25:49,970
+منفعة، بس ماهياش إجارة، خلصت عن كونها إجارة، أنا
+
+254
+00:25:49,970 --> 00:25:55,150
+ماأجرته وماملكته كمان، ماأجرته وماملكته، فليست
+
+255
+00:25:55,150 --> 00:26:00,590
+إجارة وليست تمليكا حقيقيا للعقار، ولكن تمليك منفعة
+
+256
+00:26:00,590 --> 00:26:05,490
+فقط، تمليك منفعة كت .. كت .. والإجارة هي عبارة عن
+
+257
+00:26:05,490 --> 00:26:10,670
+تمليك منفعة، لكن بلا عوض، الهيبة هيبة منفعة، أقرب
+
+258
+00:26:10,670 --> 00:26:16,200
+صورة أقرب من هذه، الإعارةانت بتروح من جارك و الله
+
+259
+00:26:16,200 --> 00:26:20,640
+صار عندك عروس ان شاء الله ربنا يفرح الجميع بدنا
+
+260
+00:26:20,640 --> 00:26:26,800
+نتجوز اه بدنا السيارة تحمل العريس و العروس مافيش
+
+261
+00:26:26,800 --> 00:26:30,560
+عندنا سيارة و الله يجهرني عنده سيارة 2012 حلوة
+
+262
+00:26:30,560 --> 00:26:35,960
+مظبطة بتجيجيها القرسان طب قولوله شوفوه راحوا قال
+
+263
+00:26:35,960 --> 00:26:41,840
+اتفضلوا هى احسابكوا السيارة كل اليوم هل هذي ايه
+
+264
+00:26:41,840 --> 00:26:47,040
+ولا دولارولا دولار، لو قال بدي دولار صارت إجارة،
+
+265
+00:26:47,040 --> 00:26:51,260
+اه لو روحت على المكتب بتصير إجارة، ممكن تروح على
+
+266
+00:26:51,260 --> 00:26:53,920
+المكتب مافيش إجارة تقالك لا و الله خاف على السيارة
+
+267
+00:26:53,920 --> 00:26:58,200
+أو تقال لك أنا مالي، مارضيش، اضطريت تروح على
+
+268
+00:26:58,200 --> 00:27:02,380
+المكتب، إذا كتستأجر، استأجر، السيارة دي إجارة، لكن
+
+269
+00:27:02,380 --> 00:27:07,240
+لما نعطاك إياها تتفق فيها لمدة يوم، هذه إعارة
+
+270
+00:27:08,860 --> 00:27:12,460
+الجيران المزارعين و هذا والله ال tractor تبعهم
+
+271
+00:27:12,460 --> 00:27:17,460
+تعال والله رفقها الأرض و يعني ممكن .. ممكن بدون
+
+272
+00:27:17,460 --> 00:27:22,520
+إذا كان بأجر صارت إجارة، بلا أجر صارت .. ماصارتش
+
+273
+00:27:22,520 --> 00:27:27,540
+إجارة، صارت إعارة، صارت هبة منفعة، صارت يعني و
+
+274
+00:27:27,540 --> 00:27:32,670
+هكذا، إذاثم إن هذا العيوب لابد أن يكون معلوما كما
+
+275
+00:27:32,670 --> 00:27:37,890
+قلت أنه لو لم يكن معلوما أصبح جعالة أو مضاربة كما
+
+276
+00:27:37,890 --> 00:27:44,190
+قلنا من قبل، إذن هذه يا إخوة هذه هي الإجارة التي
+
+277
+00:27:44,190 --> 00:27:50,710
+يعني هي أصل للإجارة المنتهية بالتملك والإجارة أيها
+
+278
+00:27:50,710 --> 00:27:58,750
+الإخوةمشروعة جائزة عند المسلمين وعند غير المسلمين
+
+279
+00:27:58,750 --> 00:28:04,830
+بل استطيع القول بأن الإجارة يعني مشروعيتها لدى
+
+280
+00:28:04,830 --> 00:28:10,090
+البشرية جمعة وأن الناس منذ وجدوا على هذه الأرض كما
+
+281
+00:28:10,090 --> 00:28:16,430
+عرفوا البيعةوالشراء عرفوا الإجارة والاستئجار، ذلك
+
+282
+00:28:16,430 --> 00:28:23,830
+لأن الناس بتبيعتهم مختلفون في مستوياتهم وفي غناهم
+
+283
+00:28:23,830 --> 00:28:30,170
+وفقرهم فالبعض يستطيع أن يشتري السلعة ويتملكها
+
+284
+00:28:30,170 --> 00:28:35,410
+والبعض ما يستطيع، ما لا يستطيعيعني البديل لديه
+
+285
+00:28:35,410 --> 00:28:41,170
+التأجير، عرفوا ذلك الناس بطبيعة حياتهم، بطبيعة
+
+286
+00:28:41,170 --> 00:28:44,570
+حاجياتهم،
+
+287
+00:28:44,570 --> 00:28:48,370
+بطبيعة تعاملاتهم، المصبح هي اللتي تفرض نفسها،
+
+288
+00:28:48,370 --> 00:28:51,910
+الحاجة هي اللتي تفرض نفسها على التعامل، الحاجة هي
+
+289
+00:28:51,910 --> 00:28:56,710
+اللتي تفرز التعاملات، جاري اندو تراكتور وانا
+
+290
+00:28:56,710 --> 00:29:03,080
+ماعنديش، وعندي أرض متحرثهاتفضل والله انا جديش ..
+
+291
+00:29:03,080 --> 00:29:07,000
+تعالي حروف الارض وخد .. جديش بيكلف، جديش بدك،
+
+292
+00:29:07,000 --> 00:29:13,180
+تفضل، هي خمسين شكل، هي مية شكل، بستاجرواو هكذا انا
+
+293
+00:29:13,180 --> 00:29:17,460
+بدي اسكن جاره عنده شجة زيادة او اي شخص او مكتب
+
+294
+00:29:17,460 --> 00:29:20,560
+فالاجارة
+
+295
+00:29:20,560 --> 00:29:25,600
+عرفت لدى البشرية جمعة و طبيعي يا اخوة اذا ما تعرفت
+
+296
+00:29:25,600 --> 00:29:34,220
+البشرية على شيء واستقرت عليه لا يمكن الا ان تأتي
+
+297
+00:29:34,220 --> 00:29:42,000
+الشريعة موافقة لما ان البشرية تجتمع على شيءتأتي
+
+298
+00:29:42,000 --> 00:29:47,000
+الشريعة موافقة لهذا الشيء لأن الشريعة أيها الأخوة
+
+299
+00:29:47,000 --> 00:29:52,600
+إنما جاءت موافقة لطبائع الناس السوية لكن لطبائع
+
+300
+00:29:52,600 --> 00:30:00,530
+الناس وموافقة لمصالح الناس وميسرة على الناسفوالذلك
+
+301
+00:30:00,530 --> 00:30:05,130
+جُعِل الهُفُ الهُفُ الذي يتعارف عليه مصدر من مصادر
+
+302
+00:30:05,130 --> 00:30:11,210
+التشريع والهُفُ في الشرعية هو اعتباره وعليه الشرع
+
+303
+00:30:11,210 --> 00:30:16,110
+قد يداره أو الحكم قد يداره يعني الشريعة تعترف
+
+304
+00:30:16,110 --> 00:30:19,950
+بالواقع تعترف بالأعراف الناس وبمعاملة الناس
+
+305
+00:30:19,950 --> 00:30:25,590
+وبمصالح الناس فإذا قرّ الناس جميعاكما يقولون لسنة
+
+306
+00:30:25,590 --> 00:30:29,630
+الخلق أقلام الحق على أن الإجارة على التعامل
+
+307
+00:30:29,630 --> 00:30:34,150
+بالإجارة فطبيعيا هذا إضافة إلى أنها بالفعل هي تحقق
+
+308
+00:30:34,150 --> 00:30:39,350
+ليس إقرار عشوائي هي بالفعل تحقق مصالح وتحقق تيسير
+
+309
+00:30:39,350 --> 00:30:47,580
+على الناس ثم إننا وجدنا ما يؤكد هذاهذا الجواز من
+
+310
+00:30:47,580 --> 00:30:51,920
+خلال آيات القرآن الكريم، من خلال سنة النبي صلى
+
+311
+00:30:51,920 --> 00:30:56,600
+الله عليه وسلم، ومن خلال إجماع الأمة على ذلك
+
+312
+00:30:56,600 --> 00:31:02,120
+القرآن الكريم في نصوص متعددة أيها الأخوة أكد أو
+
+313
+00:31:02,120 --> 00:31:08,340
+أشار إلى مشروعية الإجارةفي قصة بنات شعايدة اللتي
+
+314
+00:31:08,340 --> 00:31:15,460
+تعرفون جميعا اللتي ذهبنا للسقاء ووجد زحمة فكان نبي
+
+315
+00:31:15,460 --> 00:31:23,600
+الله موسى فيعني سقى لهما ثم عندما قادتا وكان
+
+316
+00:31:23,600 --> 00:31:28,160
+أبوهما شيخ كبير وليس لهما إخوة قالتها يا أبا
+
+317
+00:31:28,160 --> 00:31:31,440
+تستأجره إن خير من استأجرت القوي الأمين
+
+318
+00:31:36,070 --> 00:31:43,950
+شرع لنا ما لم يرد ناسخ، ولم يرد ناسخ، بل ورد ما
+
+319
+00:31:43,950 --> 00:31:48,730
+يؤكلربنا في موضوع الآخر سبحانه وتعالى يقول في
+
+320
+00:31:48,730 --> 00:31:52,030
+علاقة الزوجين أو في حقوق الزوجين فيما يتعلق بحقوق
+
+321
+00:31:52,030 --> 00:31:57,450
+الزوجين بعضهم على بعض فإن أرضعنا لكم فاتوهن أجورهن
+
+322
+00:31:57,450 --> 00:32:02,350
+خاصة عند الطلاق، في الحياة الزوجية العادية لا
+
+323
+00:32:02,350 --> 00:32:07,430
+تطالب المرأة بأجر ولا غير ذلك على رضعها، لكن مرات
+
+324
+00:32:07,430 --> 00:32:12,200
+يصير طلاق والمرأة المطلقة عندها رضيعطب هذا في
+
+325
+00:32:12,200 --> 00:32:16,080
+الأول وفي الآخر ابن الزلمة، مش هيقول ابن فاطم،
+
+326
+00:32:16,080 --> 00:32:22,580
+هيقول ابن محمد، فوالنفقة في العصل على الزوج، على
+
+327
+00:32:22,580 --> 00:32:29,520
+الأب، النفقة يا إخوة شرعا، نفقة الولد على أبيه،
+
+328
+00:32:29,520 --> 00:32:34,040
+وعلى المولود، ربنا يقول ماذا؟ وعلى المولود اللاهو،
+
+329
+00:32:34,040 --> 00:32:39,630
+تسوى تغنى؟و .. و رزق .. رزقهن و خسوةهن بالمعروف
+
+330
+00:32:39,630 --> 00:32:45,010
+يعني على الأب المرأة الآن مطلقة و بترضي الولد من
+
+331
+00:32:45,010 --> 00:32:50,510
+حجها انها تطالب مطلقها او زوجها الأول او أبو الولد
+
+332
+00:32:50,510 --> 00:32:56,690
+ب .. ب .. ب .. ب .. ب ثمن او ب .. اجرة على إرضائها
+
+333
+00:32:56,690 --> 00:33:01,470
+لهذا ال .. ال .. الولد وهذا طبعا واضح ان اقرار
+
+334
+00:33:03,870 --> 00:33:08,510
+بمشروعية الإيجارة واحنا بنقول الإيجارة بغض النظر
+
+335
+00:33:08,510 --> 00:33:13,890
+إيجارة أشخاص أو إيجارة يعني عقارات و أدوات و آلات
+
+336
+00:33:13,890 --> 00:33:21,530
+و غير ذلك الرسول صلى الله عليه و سلم يعني أقرّم
+
+337
+00:33:21,530 --> 00:33:27,250
+بقى الإيجارة و اتعامل بها احتجم و أطل حجامةأجره
+
+338
+00:33:27,250 --> 00:33:32,190
+الحجامة معروفة الحجامة يعني هي ضربة بمشرة في بعض
+
+339
+00:33:32,190 --> 00:33:38,990
+المناطق لإخراج الدم الفاسد أكثر من ذلك يعني حتى يا
+
+340
+00:33:38,990 --> 00:33:45,230
+أخوة شريعتنا أعطت الإجارة يعني مش بس حكم الإباحة
+
+341
+00:33:45,230 --> 00:33:49,450
+بل أكثر من ذلك يعني انظروا عندما
+
+342
+00:33:52,900 --> 00:33:57,080
+يخوف رب النبي صلى الله عليه وسلم في الحديث القدسي
+
+343
+00:33:57,080 --> 00:34:05,860
+من يأكل او من لا يعطي الأجير أجره ويعتبر أحد ثلاثة
+
+344
+00:34:05,860 --> 00:34:10,980
+هو خصمهم يوم القيامة الرسول صلى الله عليه وسلم
+
+345
+00:34:10,980 --> 00:34:20,920
+يقول ثلاثة أنا خصمهم يوم القيامة ومنهم رجل استأجر
+
+346
+00:34:20,920 --> 00:34:21,620
+رجلا
+
+347
+00:34:24,410 --> 00:34:30,790
+ووف له عمله فلم يعطيه أجره الله هو القصيدة طيب هذا
+
+348
+00:34:30,790 --> 00:34:36,470
+كمان أشد وأشد إذا كان يعني الحديث قدسي كان زيادة
+
+349
+00:34:36,470 --> 00:34:40,590
+على ذلك انظروا كلكم تعرفون قصة الثلاثة الذين دخلوا
+
+350
+00:34:40,590 --> 00:34:47,510
+كهفا ثم أغلقت .. نزلت صخرة على باب الكهف فأغلقته
+
+351
+00:34:47,510 --> 00:34:55,270
+قالوا ماذا نفعل؟قال كل واحد مننا يدعو الله بصالح
+
+352
+00:34:55,270 --> 00:35:05,210
+عمله، أحدهم الشاهد كان يعمل لديه عامل، راعي، غنم،
+
+353
+00:35:05,210 --> 00:35:12,290
+و يعطيه يعني كل شهر أو كل كذا يعني أجره، فالشاهد
+
+354
+00:35:12,290 --> 00:35:16,310
+أنه يعني أعطي الأجر، أعطي الأجيرة أجره قبل أن يجف
+
+355
+00:35:16,310 --> 00:35:20,620
+عرقة، النبي صلى الله عليه و سلم يقولهذه كلها تؤكد
+
+356
+00:35:20,620 --> 00:35:25,360
+على أن الإجارة أيها الإخوة مشروعة بل إن من واجبنا
+
+357
+00:35:25,360 --> 00:35:30,240
+أن نحترم
+
+358
+00:35:30,240 --> 00:35:35,420
+الأجراء والموظفين وأن نتلاعب هناك مؤسسات كثيرة
+
+359
+00:35:35,420 --> 00:35:43,490
+وأصحاب عمل يتلاعبون في الأجور ويخدمونحقوق
+
+360
+00:35:43,490 --> 00:35:48,050
+المستجارين على اي حال هذا بالنسبة للإيجار عموما
+
+361
+00:35:48,050 --> 00:35:51,710
+اما بالنسبة للإيجار المنتهي بالتمليك المرة القادمة
+
+362
+00:35:51,710 --> 00:35:53,250
+ان شاء الله نحاول الحديث
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/BKtWH4ENCtg.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/BKtWH4ENCtg.srt
new file mode 100644
index 0000000000000000000000000000000000000000..1c36b6620178595c7b4d45ce41c79b14774bed1a
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/BKtWH4ENCtg.srt
@@ -0,0 +1,1484 @@
+1
+00:00:21,060 --> 00:00:25,600
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:25,600 --> 00:00:30,720
+على رسول الله وعلى آله وصحبه ومن اقتدى بهديه واستنى
+
+3
+00:00:30,720 --> 00:00:35,660
+بسنته إلى يوم الدين. وبعد، أهلا وسهلا بكم في هذه
+
+4
+00:00:35,660 --> 00:00:41,480
+المحاضرة المتجددة بإذن الله سبحانه وتعالى على مدار
+
+5
+00:00:41,480 --> 00:00:46,680
+فصلنا هذا في مساق المعاملات المالية المعاصرة في
+
+6
+00:00:46,680 --> 00:00:54,190
+الإسلام. كنا في المحاضرة السابقة تحدثنا عن مقدمة
+
+7
+00:00:54,190 --> 00:01:00,670
+عامة في المعاملات، المتمثلة أولا في بيان المقصود
+
+8
+00:01:00,670 --> 00:01:06,790
+بالمعاملات المالية المعاصرة، متضمنة المجالات التي
+
+9
+00:01:06,790 --> 00:01:13,370
+ينسحب عليها اسم المعاملات المالية المعاصرة سواء
+
+10
+00:01:13,370 --> 00:01:18,570
+تلك التي استحدثها الناس أو تلك التي تغير موجب
+
+11
+00:01:18,570 --> 00:01:25,560
+الحكم عليها بسبب الظروف والأعراف والأحوال، أو تلك
+
+12
+00:01:25,560 --> 00:01:34,340
+التي حملت اسما جديدا، أو تلك التي جاءت مركبة من
+
+13
+00:01:34,340 --> 00:01:42,860
+عدة صور أو عدة عقود أو عدة قضايا. كل هذه قلنا بأنها
+
+14
+00:01:42,860 --> 00:01:50,440
+تندرج تحت اسم المعاملات المالية المعاصرة. ثم تحدثنا
+
+15
+00:01:50,440 --> 00:01:57,710
+بعد ذلك عن الخصائص العامة التي تتميز بها المعاملات
+
+16
+00:01:57,710 --> 00:02:07,050
+إجمالا، وتميزها عن سائر أحكام الفقه الإسلامي، بدءا
+
+17
+00:02:07,050 --> 00:02:16,470
+من كون المعاملات في الإسلام وردت على شكل قواعد
+
+18
+00:02:16,470 --> 00:02:22,630
+ومبادئ عامة، لا تفصيل فيها، وإنما ترك تفصيلها لعلماء
+
+19
+00:02:22,630 --> 00:02:29,590
+وأهل كل عصر بحسب ما يجدون لهم من قضايا وما يحققون
+
+20
+00:02:29,590 --> 00:02:36,590
+لهم من مصالح. ومرورا بخاصية أن الأصل في المعاملات
+
+21
+00:02:36,590 --> 00:02:43,750
+الحل والإباحة، فلا تحتاج المعاملة المستحدثة إلى
+
+22
+00:02:43,750 --> 00:02:52,590
+دليل يدل على حلها وجوازها. ولكن إذا تبين النص على
+
+23
+00:02:52,590 --> 00:02:57,870
+حرمتها في كتاب أو سنة أو حتى بالقياس فإنها تثبت
+
+24
+00:02:57,870 --> 00:03:03,610
+الحرمة. ما لم تثبت الحرمة فإنه يبقى ثابت في حقها
+
+25
+00:03:03,610 --> 00:03:12,830
+أصل الجواز والحل. ثم قلنا كذلك بأن الخاصية الثالثة
+
+26
+00:03:12,830 --> 00:03:18,630
+التي تتميز بها المعاملات في الإسلام أن المعاملات
+
+27
+00:03:18,630 --> 00:03:25,020
+مبنية على مراعاة العلل والمصالح، مبنية على مراعاة
+
+28
+00:03:25,020 --> 00:03:30,420
+العلل والمصالح. بمعنى أنه ينبغي على المشتغلين
+
+29
+00:03:30,420 --> 00:03:34,520
+والعلماء أن يتعرفوا على العلة التي من أجلها جاء
+
+30
+00:03:34,520 --> 00:03:40,380
+الحكم في هذه المعاملة أو تلك، حلا أو حرمة، استحبابا
+
+31
+00:03:40,380 --> 00:03:45,840
+أو كراهة، لكي يستطيعوا بعد ذلك معرفة الأحكام
+
+32
+00:03:45,840 --> 00:03:51,500
+للقضايا المتجددة قياسا على القضايا التي ورد فيها
+
+33
+00:03:51,500 --> 00:03:55,860
+حكم هنا أو هناك، من خلال معرفة العلة أو المصلحة
+
+34
+00:03:55,860 --> 00:04:05,780
+التي من أجلها جاء الحكم في هذه المعاملة. ثم الخاصية
+
+35
+00:04:05,780 --> 00:04:11,520
+الرابعة التي ذكرناها أنها تجمع بين الثبات
+
+36
+00:04:11,520 --> 00:04:18,180
+والمرونة، تجمع بين الثبات والمرونة في تأكيد على
+
+37
+00:04:18,180 --> 00:04:25,580
+أنه رغم اتساع دائرة الاجتهاد في المعاملات المالية إلا
+
+38
+00:04:25,580 --> 00:04:34,100
+أنها محكومة بوابط وقواعد ثابتة لا تتزعزع، تحكم الاجتهاد
+
+39
+00:04:34,100 --> 00:04:42,020
+وتحكم أصول البحث في قضايا المعاملات المعاصرة. ثم
+
+40
+00:04:42,020 --> 00:04:51,320
+انتقلنا بعد ذلك إلى بيان أحكام المعاملات المالية
+
+41
+00:04:51,320 --> 00:04:57,080
+المعاصرة، وقلنا بأن بيان أحكام المعاملات المالية
+
+42
+00:04:57,080 --> 00:05:03,700
+المعاصرة شأنه شأن بيان أي مسألة وأي قضية تجدونها على
+
+43
+00:05:03,700 --> 00:05:10,430
+الساحة أو تجدونها في الواقع. الحكم العام في ذلك كله
+
+44
+00:05:10,430 --> 00:05:18,430
+أنه يجب على علماء المسلمين في كل عصر أن يبينوا حكم
+
+45
+00:05:18,430 --> 00:05:25,070
+كل قضية تجد في باب المعاملات أو في غير باب
+
+46
+00:05:25,070 --> 00:05:31,340
+المعاملات. إذا بيان أحكام القضايا المالية المستجدة
+
+47
+00:05:31,340 --> 00:05:36,560
+في عصرنا أو في كل عصر من الأمور هو واجب ثابت على
+
+48
+00:05:36,560 --> 00:05:42,620
+العلماء، لأنهم بذلك يؤكدون صلاحية الشريعة لكل زمان
+
+49
+00:05:42,620 --> 00:05:51,960
+وكل مكان، وأنها لم يفرط فيها بشيء، وأنها نزلت بيانا
+
+50
+00:05:51,960 --> 00:06:02,160
+لكل… لكل شيء. لكن في نفس الوقت ونحن نؤكد على أنه
+
+51
+00:06:02,160 --> 00:06:07,460
+يجب على المجتهدين والعلماء في كل عصر بيان الحكم
+
+52
+00:06:07,460 --> 00:06:13,320
+للقضايا المستجدة، فإنه ينبغي على من يتصدى لهذا
+
+53
+00:06:13,320 --> 00:06:19,800
+البيان أن تتوفر فيه شروط: أن يكون أهلا للاجتهاد، أهلا
+
+54
+00:06:19,800 --> 00:06:25,440
+للبيان والنظر، وليس إنسانا
+
+55
+00:06:25,440 --> 00:06:31,220
+غير متوفر فيه هذه الشروط. وربما ذكرنا في المرة
+
+56
+00:06:31,220 --> 00:06:35,460
+الماضية، يعني أنه ينبغي أن يتوفر فيه العلم بكتاب
+
+57
+00:06:35,460 --> 00:06:39,420
+الله وبسنة رسول الله صلى الله عليه وسلم، وبلغة
+
+58
+00:06:39,420 --> 00:06:44,240
+العربية التي هي لغة القرآن، ومعرفة مواطن الإجماع
+
+59
+00:06:44,240 --> 00:06:50,700
+ومواطن الاختلاف. وكذلك معرفة علم أصول الفقه، الناسخ
+
+60
+00:06:50,700 --> 00:06:54,840
+والمنسوخ، والمطلق والمقيد، والعام والخاص، وإلى غير
+
+61
+00:06:54,840 --> 00:07:03,020
+ذلك. إضافة إلى ضرورة كونه يتصف بالديانة
+
+62
+00:07:03,020 --> 00:07:07,280
+أو بالورع والتقوى، لأنه لا يؤتمن على هذا الدين
+
+63
+00:07:07,280 --> 00:07:14,300
+وبيان أحكامه من كان فاسقا، منحرفا، عاصيا لله سبحانه
+
+64
+00:07:14,530 --> 00:07:20,130
+وتعالى. لابد أن يكون مؤتمنا إضافة إلى علمه، فالعلم
+
+65
+00:07:20,130 --> 00:07:27,370
+وحده لا يؤهل العالم لكي يتصدى لبيان أحكام الاجتهاد.
+
+66
+00:07:27,370 --> 00:07:32,450
+فهذه الأحكام هي أحكام الله سبحانه وتعالى، هي دين
+
+67
+00:07:32,450 --> 00:07:38,430
+نتعبد به إلى الله سبحانه وتعالى. ينبغي على من يقوم
+
+68
+00:07:38,430 --> 00:07:45,750
+ببيانها أن يكون أهلا لذلك، علما وديانة وورعا و
+
+69
+00:07:45,750 --> 00:07:52,350
+تقوى. ثم توقفنا ربما في المرة الماضية عند آخر نقطة
+
+70
+00:07:52,350 --> 00:07:58,350
+في المقدمة العامة هذه، وهي: أي الخطوات التي ينبغي
+
+71
+00:07:58,350 --> 00:08:07,670
+أن يسير عليها أو يلتزم بها المجتهد أثناء اجتهاده
+
+72
+00:08:07,670 --> 00:08:15,010
+وبيانه ونظره في معرفة الحكم الشرعي للقضية المالية.
+
+73
+00:08:15,380 --> 00:08:19,200
+أقول أيها الإخوة الكرام، بعد أن تتوفر في المجتهد
+
+74
+00:08:19,200 --> 00:08:27,000
+الصفات التي ذكرناها، وتؤهله للاجتهاد، ينبغي أن يسير
+
+75
+00:08:27,000 --> 00:08:33,900
+على أو أن يتتبع الخطوات التالية، أو على الأقل يستحب
+
+76
+00:08:33,900 --> 00:08:39,920
+له أن يتتبع خطوات معينة من شأنها أن تعينه، أن
+
+77
+00:08:39,920 --> 00:08:48,810
+تعينه، وتساعده على الوصول إلى الحكم بدقة وبصوابية
+
+78
+00:08:48,810 --> 00:08:55,030
+إن شاء الله. أول ما ينبغي أن يفعله المجتهد
+
+79
+00:08:56,570 --> 00:09:00,930
+أثناء، في طريقه في مسيرة اجتهاده لمعرفة الحكم
+
+80
+00:09:00,930 --> 00:09:06,370
+التوجه إلى الله سبحانه وتعالى، الدعاء والتوجه إلى
+
+81
+00:09:06,370 --> 00:09:12,470
+الله بأن يعينه على معرفة الحق في هذه القضايا أو
+
+82
+00:09:12,470 --> 00:09:19,990
+تلك. ذلك أنه إن لم يكن له عون من الله سبحانه وتعالى
+
+83
+00:09:19,990 --> 00:09:26,790
+على معرفة الحق، فإن علمه كله لا يصلح لذلك. فأولا
+
+84
+00:09:26,790 --> 00:09:32,130
+وآخرا ينبغي أن يتوجه إلى رب العالمين ليعينه
+
+85
+00:09:32,130 --> 00:09:39,550
+ويساعده في ذلك، ويلهمه الصواب والرشاد. لحظة يقول
+
+86
+00:09:39,550 --> 00:09:46,290
+تعالى: واتقوا الله ويعلمكم الله. فتقوى الله والتقرب
+
+87
+00:09:46,290 --> 00:09:51,010
+إلى الله والدعاء إلى الله، كلها تساعد الإنسان في
+
+88
+00:09:51,010 --> 00:09:55,150
+معرفة الحق. حتى أقول بالنسبة لكم أنتم أيها الإخوان
+
+89
+00:09:55,150 --> 00:10:00,070
+الأعزاء، من كان أكثر قربا من الله، ومن توجه إلى الله
+
+90
+00:10:00,070 --> 00:10:05,710
+بأن يعينه على دراسته وعلى تجاوزه لامتحانه، فإنه
+
+91
+00:10:05,710 --> 00:10:13,430
+بإذن الله سيفعل. أن لا يظن الإنسان أنه يستطيع بعلمه
+
+92
+00:10:13,430 --> 00:10:18,650
+أن يستقل عن كل ذلك، أو أن يستغني عن الله رب
+
+93
+00:10:18,650 --> 00:10:24,310
+العالمين أبدا. فإنه يمكن، مهما يعني، كثيرا ما كنا نرى
+
+94
+00:10:24,310 --> 00:10:30,230
+يعني بعض الطلاب ربما يحفظوا المادة حفظا تاما، ولكن
+
+95
+00:10:30,230 --> 00:10:35,890
+وقت الامتحان ينسى كل شيء، أو يصادفه سؤال لا يدري
+
+96
+00:10:35,890 --> 00:10:44,970
+كيف يجيب عليه. فإذا به، وبحفظه وب دراسته، تذهب هباء منثورا.
+
+97
+00:10:44,970 --> 00:10:48,550
+فلابد
+
+98
+00:10:48,550 --> 00:10:53,770
+دائما، وهذا ليس فقط في باب العلم، بل في كل أبواب
+
+99
+00:10:53,770 --> 00:10:58,190
+الحياة، وفي كل مجالات العمل، في جوانبه ومجالات
+
+100
+00:10:58,190 --> 00:11:07,870
+الحياة المختلفة. ثانيا، بعد هذه الخطوة، وقبل أن يجيب
+
+101
+00:11:07,870 --> 00:11:15,890
+عن الحكم ويبينه، لابد أن يفهم القضية، يفهمها فهما
+
+102
+00:11:15,890 --> 00:11:25,740
+تاما، فهما شاملا، دقيقا، عميقا. وذلك من خلال، يعني إن
+
+103
+00:11:25,740 --> 00:11:29,180
+كانت المسألة في مجال الطب، فيسأل أهل الطب
+
+104
+00:11:29,180 --> 00:11:34,120
+والاختصاص. إن كانت في مجال السياسة، فيسأل أهل
+
+105
+00:11:34,120 --> 00:11:42,060
+السياسة والحكم. إن كانت في مجال الزراعة، إن كانت في
+
+106
+00:11:42,060 --> 00:11:47,660
+مجال الجنايات، إلى غير ذلك، يسأل أهل الاختصاص عن
+
+107
+00:11:47,660 --> 00:11:55,430
+طبيعة هذه القضية. ذلك أن العلماء يقولون أن الحكم على
+
+108
+00:11:55,430 --> 00:12:01,730
+الشيء فرعه تصوره. لابد قبل أن تحكم على شيء أن
+
+109
+00:12:01,730 --> 00:12:07,190
+تتعرف عليه وعلى حقيقته. فليست، كما قلنا ونكرر دائما،
+
+110
+00:12:07,190 --> 00:12:16,910
+ليست الأحكام رهينة أسماء أو أهواء، بل إن الأحكام
+
+111
+00:12:16,910 --> 00:12:24,030
+مبنية على الحقائق وعلى المضامين وعلى المقاصد. فلابد
+
+112
+00:12:24,030 --> 00:12:33,150
+أن يتعرف المجتهد أو العالم قبل عملية البيان
+
+113
+00:12:33,150 --> 00:12:40,590
+إلى أن يتعرف على حقيقة القضية من جوانبها وأطرافها
+
+114
+00:12:40,590 --> 00:12:49,170
+المتعددة، ويحللها تحليلا دقيقا، قبل أن يعني يبدأ في
+
+115
+00:12:49,170 --> 00:12:55,710
+بيان الحكم. ثم بعد ذلك، هل يعني يطلق الحكم؟ يبين
+
+116
+00:12:55,710 --> 00:13:03,230
+الحكم؟ لا. الآن بعد أن فهمها وتعرّف عليها، ينظر هل
+
+117
+00:13:03,230 --> 00:13:07,090
+هذه القضية، لعل هذه القضية حكمها قبل أن يحكم
+
+118
+00:13:07,090 --> 00:13:12,430
+باجتهاده، لعل هذه القضية موجودة حكمها في كتاب الله
+
+119
+00:13:15,000 --> 00:13:22,160
+فيبحث في كتاب الله، فإن وجدها، خلاص، توقفت عملية
+
+120
+00:13:22,160 --> 00:13:29,240
+الاجتهاد، الاجتهاد، مع النص. إن لم يجد، يذهب إلى
+
+121
+00:13:29,240 --> 00:13:34,680
+سنة رسول الله صلى الله عليه وسلم، يفتش ويبحث في
+
+122
+00:13:34,680 --> 00:13:41,380
+المسانيد وفي كتب الحديث، في كتب السنن، عسى أن يجد
+
+123
+00:13:41,380 --> 00:13:49,600
+حديثا أو حديثا يجيب عن حكم هذه القضية. فإن وجد، أيضا
+
+124
+00:13:49,600 --> 00:13:54,540
+توقف. فإنما ثبت في سنة رسول الله صلى الله عليه وسلم
+
+125
+00:13:54,540 --> 00:14:00,020
+كالذي ثبت في كتاب الله. فالسنة وحي كما نعرفه، كما
+
+126
+00:14:00,020 --> 00:14:04,620
+القرآن الكريم. وإن كان هذا وحي بالمعنى، وذاك وحي
+
+127
+00:14:04,620 --> 00:14:10,570
+باللفظ والمعنى. فإن وجدت في السنة أيضا، توقفت عملية
+
+128
+00:14:10,570 --> 00:14:16,770
+الاجتهاد. فلا مجال للاجتهاد، لأن الاجتهاد في الحالة
+
+129
+00:14:16,770 --> 00:14:22,730
+هذه ليس اجتهادا، وإنما افتياتا وتجاوزا
+
+130
+00:14:24,050 --> 00:14:30,370
+وتعاليا. كأنه إذا اجتهد مع وجود النص، كأنه تكبر على
+
+131
+00:14:30,370 --> 00:14:34,970
+النص، كأنه لم يعجبه الحكم الذي جاء في النص، وهذا
+
+132
+00:14:34,970 --> 00:14:39,510
+غير مقبول، بل قد يودي به إلى الهلاك أو إلى الكفر،
+
+133
+00:14:39,510 --> 00:14:45,800
+بالله. فلا مجال. فإن لم يجد هنا ولا هناك، في كتاب الله
+
+134
+00:14:45,800 --> 00:14:52,640
+ولا في سنة رسول الله صلى الله عليه وسلم، أيضا، لازال
+
+135
+00:14:52,640 --> 00:15:00,770
+هناك مجال للعرض على جهة أخرى. هناك من هم أكثر فقها
+
+136
+00:15:00,770 --> 00:15:07,910
+منك أيها المجتهد المعاصر، هناك من هم أكثر دراية،
+
+137
+00:15:07,910 --> 00:15:13,390
+هناك من هم أكثر قربا من رسول الله صلى الله عليه
+
+138
+00:15:13,390 --> 00:15:19,760
+وسلم، عاصر، القطعية، وجهتهم. فبيّنوا حكم الله فيها. فاذهب
+
+139
+00:15:19,760 --> 00:15:25,040
+إلى أقوالهم، وتعرف على أحكامهم، علك تجد القضية
+
+140
+00:15:25,040 --> 00:15:30,700
+وحكمها عندهم. إنهم أصحاب رسول الله صلى الله عليه
+
+141
+00:15:30,700 --> 00:15:37,820
+وسلم. فتّش الكتب، زاخرة، نقلت لنا أقوال الفحول، الصحابة
+
+142
+00:15:39,010 --> 00:15:45,210
+في القضايا الاجتهادية في عصر النبي، وبعد عصر النبي
+
+143
+00:15:45,210 --> 00:15:49,410
+صلى الله عليه وسلم. ومعروف أن الصحابة واجهوا من
+
+144
+00:15:49,410 --> 00:15:52,810
+القضايا بعد وفاة النبي صلى الله عليه وسلم، في عصر
+
+145
+00:15:52,810 --> 00:15:57,530
+النبي صلى الله عليه وسلم، كانت المرجعية الكتاب
+
+146
+00:15:57,530 --> 00:15:58,750
+والسنة.
+
+147
+00:16:03,260 --> 00:16:09,080
+ولكن وقد انتهى هذا العصر، وتوفي رسول الله صلى الله
+
+148
+00:16:09,080 --> 00:16:14,180
+عليه وسلم وانقطع الوحي، أصبح هناك مجال للاجتهاد
+
+149
+00:16:14,180 --> 00:16:18,920
+لهؤلاء الصحابة. وهؤلاء الصحابة، نقول، قد يقول قائل
+
+150
+00:16:18,920 --> 00:16:23,460
+هؤلاء مجتهدون ونحن مجتهدون، نعم، ولكن شتان بين
+
+151
+00:16:23,460 --> 00:16:27,980
+مجتهد ومجتهد. هؤلاء الصحابة المجتهدون، رضوان الله
+
+152
+00:16:27,980 --> 00:16:34,000
+عليهم، هؤلاء صاحبوا رسول الله صلى الله عليه وسلم،
+
+153
+00:16:34,000 --> 00:16:39,180
+عايشوا التنزيل، عرفوا أسرار التشريع، عرفوا أسباب
+
+154
+00:16:39,180 --> 00:16:44,520
+النزول، عرفوا اللغة العربية التي نزل بها القرآن
+
+155
+00:16:44,520 --> 00:16:49,680
+الكريم، مالكو أسباب الاجتهاد الكاملة، غير منقوصة.
+
+156
+00:16:52,130 --> 00:16:57,330
+نعم، فلذلك يعني هم أولى بالكلمة التي تصدر عنهم،
+
+157
+00:16:57,330 --> 00:17:01,290
+الاجتهاد الذي يصدر عنهم أقرب إلى الصواب من
+
+158
+00:17:01,290 --> 00:17:06,890
+الاجتهاد الذي يصدر عن غيرهم. فلذلك إن لم تجد في
+
+159
+00:17:06,890 --> 00:17:11,530
+كتاب الله أو في سنة رسول الله صلى الله عليه وسلم،
+
+160
+00:17:11,530 --> 00:17:16,500
+فاذهب إلى أقوال الصحابة، إذا كانت أيامك بأمثال أبي
+
+161
+00:17:16,500 --> 00:17:21,960
+حنيفة والشافعي ومالك وأحمد وغيرهم من هؤلاء
+
+162
+00:17:21,960 --> 00:17:28,640
+الأعلام، الذين نقطعون على موائد كتبهم. هؤلاء كانوا
+
+163
+00:17:28,640 --> 00:17:34,640
+يرجعون إلى أقوال الصحابة، فكيف بالمعاصرين؟ من باب أو
+
+164
+00:17:34,640 --> 00:17:40,120
+لا، كما يقولون، إذا عُرضت القضية على أقوال الصحابة،
+
+165
+00:17:40,120 --> 00:17:47,120
+لعلها، لعلهم يجدون فيها بابا. فإن لم تجد في، أو لم يجد
+
+166
+00:17:47,120 --> 00:17:55,200
+الفقهاء أو العلماء أيضا، هناك محطة أخرى، ألا وهي محطة
+
+167
+00:17:55,200 --> 00:18:01,320
+العرض على الأئمة المجتهدين القدامى، أئمة المذاهب
+
+168
+00:18:01,320 --> 00:18:07,880
+المشهورة التي كتب الله لها القبول والانتشار. مذهب
+
+169
+00:18:07,880 --> 00:18:13,700
+الإمام أبي حنيفة، أو مذهب الإمام الشافعي، مالك، أحمد،
+
+170
+00:18:13,700 --> 00:18:19,900
+هؤلاء الأئمة الأعلام، هؤلاء يعني كان لهم اجتهادات
+
+171
+00:18:19,900 --> 00:18:26,16
+
+223
+00:23:26,710 --> 00:23:31,270
+اسمه الاجتهاد الجماعي من خلال المجامع الفقهية من
+
+224
+00:23:31,270 --> 00:23:36,230
+خلال المؤتمرات العلمية التي تناقش فيها قضية من
+
+225
+00:23:36,230 --> 00:23:41,650
+القضايا أو عدة قضايا، ثم يتوصلون بعد ذلك إلى أحكام
+
+226
+00:23:41,650 --> 00:23:46,070
+متعددة. حقيقة، هذه الطريقة طريقة جيدة وجميلة
+
+227
+00:23:46,070 --> 00:23:50,410
+وتجعل الحكم الذي يتوصل إليه من خلال هذه المجامع أو
+
+228
+00:23:50,410 --> 00:23:54,000
+من خلال هذه الندوات أو المؤتمرات أقرب إلى الصحة
+
+229
+00:23:54,000 --> 00:24:00,960
+لأنه نتاج وحصيلة  إيه؟ وحصيلة أفكار متعددة، عقول
+
+230
+00:24:00,960 --> 00:24:06,640
+متعددة، وليس عقل مُجتهد أو عالم واحد، فهذا يكون
+
+231
+00:24:06,640 --> 00:24:11,850
+أقرب إلى الصواب. فإطلع أنت إذا أردت أو سئلت، و
+
+232
+00:24:11,850 --> 00:24:17,270
+أردت أن تبين أو تتعرف على حكم متعلق بقضية جديدة،
+
+233
+00:24:17,270 --> 00:24:24,510
+اطلع على ما توصلت إليه هذه المجامع، عسى أن تجد فيها
+
+234
+00:24:24,510 --> 00:24:33,810
+حلاً أو حكماً أو حتى مساعدة، بل أكثر من ذلك، يمكنك أن
+
+235
+00:24:33,810 --> 00:24:39,610
+تطلع على الرسائل العلمية، الطروحات. اليوم إحنا بنعرف
+
+236
+00:24:39,610 --> 00:24:44,690
+في نظام اليوم، في نظام العصر، يعني المتخصصين في كل
+
+237
+00:24:44,690 --> 00:24:48,810
+المجالات بيعملوا دراسات بعد الـ bachelor's، ماجستير
+
+238
+00:24:48,810 --> 00:24:56,000
+ودكتوراه، ثم أبحاث، ترقيات متعددة. هذه حقيقة، وكذلك في
+
+239
+00:24:56,000 --> 00:25:03,040
+المجال الشرعي، الطالب الخريج من الماجستير لا يتخرج
+
+240
+00:25:03,040 --> 00:25:09,920
+إلا بتقديم رسالة أو بحث أو أطروحة، يبحث القضية فيها
+
+241
+00:25:09,920 --> 00:25:15,780
+من كل جوانبها، فيصبح أشبه ما يكون خبيراً في هذا
+
+242
+00:25:15,780 --> 00:25:22,180
+المجال. فهذا يعمل مثلاً، يعمل في مسألة، أو فهذا يكتب
+
+243
+00:25:22,180 --> 00:25:26,760
+رسالة في إجهاض الجنين، وهذا يكتب رسالة في المضاربة،
+
+244
+00:25:26,760 --> 00:25:32,560
+وهذا يكتب رسالة في الشركات، وهذا يكتب رسالة في بيوع
+
+245
+00:25:32,560 --> 00:25:38,680
+الغرر، وهذا يكتب رسالة في يعني الزواج المعاصر، من
+
+246
+00:25:38,680 --> 00:25:44,440
+زواج المسيار. تجده كل واحد متخصص في مجاله، تجده على
+
+247
+00:25:44,440 --> 00:25:50,320
+مدار عام أو عامين، وهو يطلع ويبحث و يفتش و يلملم
+
+248
+00:25:50,320 --> 00:25:59,600
+كل ما يتعلق بهذا الموضوع، يعني من علوم، أو فيصبح
+
+249
+00:25:59,600 --> 00:26:04,080
+أشبه بالخبير. فما توصل إليه أصحاب هذه الرسائل ينبغي
+
+250
+00:26:04,080 --> 00:26:08,700
+ألا يُهمل، وينبغي أن يُطلع عليه. فإذا كتبت رسالة
+
+251
+00:26:08,700 --> 00:26:13,700
+في موضوع معين، ثم سئلت أنا في موضوع، أنا أطلع أيضاً
+
+252
+00:26:13,700 --> 00:26:18,480
+على ما توصل إليه هذا الباحث، حتى وإن كان باحثاً يعني
+
+253
+00:26:18,480 --> 00:26:24,000
+مبتدئاً، فإن الباحث وإن كان مبتدئاً، مدام قد أطلع، هذا
+
+254
+00:26:24,000 --> 00:26:29,240
+... هذه ... هذا الاطلاع الواسع يصبح يعني ... يعني
+
+255
+00:26:29,240 --> 00:26:34,220
+ما توصل إليه أيضاً أقرب إلى الصواب. وأخيراً،
+
+256
+00:26:36,610 --> 00:26:42,970
+إن لم يجد في كل ذلك، يعني أولاً، دعني أقول بعد هذا
+
+257
+00:26:42,970 --> 00:26:49,330
+الاطلاع على كل هذه المحطات، يعني أولاً، يعني يجعل له
+
+258
+00:26:49,330 --> 00:26:54,830
+ملكة، يستفيد هو بعد الاطلاع، يستفيد، وتصبح له تصورات
+
+259
+00:26:54,830 --> 00:27:00,610
+ومقارنات، وتخريجات، ويتعرف على القواعد العامة،
+
+260
+00:27:00,610 --> 00:27:07,540
+والمقاصد، والأسرار، حتى وإن لم يجد بغيته الخاصة أو
+
+261
+00:27:07,540 --> 00:27:13,500
+الدقيقة، لكنه بعد ذلك، وإضافة إلى أنه في الأصل كما
+
+262
+00:27:13,500 --> 00:27:20,820
+قلنا، متوفر فيه الشروط الآن، يمكنه وبناء على ... برضه
+
+263
+00:27:20,820 --> 00:27:25,260
+وبناء على القواعد العامة في التشريع، وفهمه للمقاصد
+
+264
+00:27:25,260 --> 00:27:30,740
+والأسرار، يمكنه الآن أن يجتهد. شوفوا يعني، المسألة مش
+
+265
+00:27:30,740 --> 00:27:35,660
+سهلة، ومش يعني بتلاقي واحد حفظ لي حديث من هنا أو
+
+266
+00:27:35,660 --> 00:27:39,600
+آيتين من هنا، أو جزء من كتاب من هنا، بتلاقيه بيفتري
+
+267
+00:27:39,600 --> 00:27:44,760
+ويحكم، ويحلل، ويحرم على كيفه، وهو يعني لا يعرف
+
+268
+00:27:44,760 --> 00:27:49,160
+ربما التعارضات، ولا الترجيحات، ولا الناسخ، ولا المنسوخ،
+
+269
+00:27:49,160 --> 00:27:53,100
+ولا العام، ولا الخاص، ولا المقيد، ولا المطلق، والأمر
+
+270
+00:27:53,100 --> 00:27:58,810
+يا إخوة، يحتاج إلى يعني مزيد من العلم والاطلاع، ثم
+
+271
+00:27:58,810 --> 00:28:05,550
+إن الأمر جلل، فإن هذا الحكم أولاً وآخراً هو حكم الله،
+
+272
+00:28:05,550 --> 00:28:11,800
+وما المجتهد إلا كاشف عن هذا الحكم من خلال اجتهاده
+
+273
+00:28:11,800 --> 00:28:19,180
+وبحثه، وليس هو منشئ، كما يقولون، للحكم، وإنما هو كاشف
+
+274
+00:28:19,180 --> 00:28:23,300
+من خلال اطلاعه، يعني هو مش بشطارة وصل إلى الحكم، هو
+
+275
+00:28:23,300 --> 00:28:27,160
+من خلال القواعد التي أرسلها لنا ربنا سبحانه
+
+276
+00:28:27,160 --> 00:28:33,750
+وتعالى، وبيّنها لنا نبينا صلى الله عليه وسلم. هذا
+
+277
+00:28:33,750 --> 00:28:39,490
+بالنسبة، أو هذا تمام الحديث عن المقدمة التي سبق
+
+278
+00:28:39,490 --> 00:28:48,010
+البدء فيها. أختمها فقط بجزئية صغيرة، وهي أن هناك صور
+
+279
+00:28:48,010 --> 00:28:54,690
+من الاجتهاد تُسمى صور اجتهاد محرمة، صور من الاجتهاد
+
+280
+00:28:54,690 --> 00:29:03,690
+لا يجوز، يعني حتى من توفرت فيه كل هذه المؤهلات
+
+281
+00:29:03,690 --> 00:29:11,050
+وقام بكل هذه الخطوات، لكن ينبغي أن يحذر من صور
+
+282
+00:29:11,050 --> 00:29:17,790
+الاجتهاد هذه، لا يجوز له أن يجتهد فيها بحال من
+
+283
+00:29:17,790 --> 00:29:21,990
+الأحوال. يمكن من خلال حديثنا، إحنا أشرنا إلى بعضها،
+
+284
+00:29:21,990 --> 00:29:28,110
+لكن أنا هنا أحب أن أحصرها. أولاً، أن يجتهد إذا وجد
+
+285
+00:29:28,110 --> 00:29:33,710
+... إذا وجد المسألة التي يريد البحث عنها، حكمها
+
+286
+00:29:33,710 --> 00:29:36,950
+موجود في كتاب الله ... في سنة رسول الله، هل يجوز له
+
+287
+00:29:36,950 --> 00:29:42,890
+أن يجتهد؟ لا. وكما قلت قبل قليل، هذا افتراء، هذا
+
+288
+00:29:42,890 --> 00:29:49,970
+تكبر، هذا تجاوز، هذا ليس فيه تسليم، يعني لا يقبل،
+
+289
+00:29:49,970 --> 00:29:56,170
+يحرم، يحرم الاجتهاد مع وجود نص يبين الحكم، لا
+
+290
+00:29:56,170 --> 00:30:00,130
+اجتهاد مع النص، طبعاً إذا كان النص واضحاً في تجليته
+
+291
+00:30:00,460 --> 00:30:06,740
+الحكم، وقاطعاً في الدلالة عليه. كذلك، يحرم الاجتهاد
+
+292
+00:30:06,740 --> 00:30:13,300
+في حالة معرفة ما إذا كان هناك إجماع على القضية. أنت
+
+293
+00:30:13,300 --> 00:30:19,640
+فتشت، فلجأت إلى المسألة، مسألة، فيها المسألة يعني
+
+294
+00:30:19,640 --> 00:30:26,410
+دعني أقول، قابلة للاجتهاد، لكن وجدت للعلماء أقوالاً
+
+295
+00:30:26,410 --> 00:30:34,010
+ووجدتهم متفقين على ذلك، مجتمعين على حكم معين في هذه
+
+296
+00:30:34,010 --> 00:30:38,770
+الحالة. مدام يا إخوة، العلماء في أي عصر من العصور
+
+297
+00:30:38,770 --> 00:30:44,890
+اجتمعوا على حكم على قضية من القضايا، فلا تجوز بعد
+
+298
+00:30:44,890 --> 00:30:51,510
+ذلك مخالفتها، لا تجوز. خلاص، لا تجتمع أمتي على
+
+299
+00:30:51,510 --> 00:30:58,230
+ضلالة أو على باطل. من يشاقق الله، ويتبع غير سبيل
+
+300
+00:30:58,230 --> 00:31:03,570
+المؤمنين، نُوَلِّيه ما تولى. سبيل المؤمنين على رأسهم
+
+301
+00:31:03,570 --> 00:31:09,830
+العلماء. إذا اجتمعوا على كلمة، فلا يجوز أن ننزعهم أو
+
+302
+00:31:09,830 --> 00:31:16,600
+نشاققهم أو نخالفهم. يعني فيها كذلك يحرم الاجتهاد، بديهي
+
+303
+00:31:16,600 --> 00:31:21,880
+أنه يحرم الاجتهاد إذا صدر من غير أهله، من غير من
+
+304
+00:31:21,880 --> 00:31:29,820
+توفرت فيه شروط الاجتهاد. مش بس يعني أنه ما يصلحش أو
+
+305
+00:31:29,820 --> 00:31:36,360
+يكره، بل يحرم عليه، لأنه يعني ليس أهلاً لذلك، و
+
+306
+00:31:36,360 --> 00:31:43,230
+لأنه سيتخطى في ذلك في أمر لا يجوز له أن يفعله. ثم
+
+307
+00:31:43,230 --> 00:31:51,530
+الصورة الرابعة: أن لا يكون اجتهاده بقصد التشهي أو
+
+308
+00:31:51,530 --> 00:31:59,090
+بحسب الهوى. ربما شخص يملك آلة الاجتهاد، ولديه من
+
+309
+00:31:59,090 --> 00:32:06,650
+العلم، لكنه في نفس الوقت لا يعني يتخذ من ... من
+
+310
+00:32:06,650 --> 00:32:12,210
+علمه أساساً للاجتهاد، بل يجتهد وفق التشهي، وفق
+
+311
+00:32:12,210 --> 00:32:18,130
+الأهواء، وفق طلب السلطان، وفق مصلحته الخاصة. فكل هذا
+
+312
+00:32:18,130 --> 00:32:23,050
+لا يجوز، أو من أجل الشهرة، أو التعالي، أو إلى غير ذلك.
+
+313
+00:32:24,860 --> 00:32:30,920
+لننتقل اليوم إن شاء الله، أو الآن، للحديث عن أول
+
+314
+00:32:30,920 --> 00:32:42,890
+موضوع، أو أول قضية من القضايا المستجدة، من القضايا
+
+315
+00:32:42,890 --> 00:32:49,370
+المالية المستجدة في عصرنا، وهي الحقوق المعنوية.
+
+316
+00:32:49,370 --> 00:32:54,970
+الحقوق المعنوية، إحنا يا إخوة، يمكن إحنا
+
+317
+00:32:58,090 --> 00:33:04,030
+بنعرف أن الحقوق، يعني أول ما يتبادر إلى الذهن أن
+
+318
+00:33:04,030 --> 00:33:11,410
+الحقوق مادية، الحقوق مادية، المال، حق عيني، منافع، إلى
+
+319
+00:33:11,410 --> 00:33:17,310
+غير ذلك. أما أن تكون الحقوق معنوية، فهذا وإن كان، وإن
+
+320
+00:33:17,310 --> 00:33:24,150
+كان يعني ربما معروفا، لكن أن إحنا اللي بهمنا هنا في
+
+321
+00:33:24,150 --> 00:33:36,410
+الحقوق المعنوية، أنه هل يجوز أخذ عائد مالي عن الحقوق
+
+322
+00:33:36,410 --> 00:33:44,810
+المعنوية؟ هذا الذي يعني يعتبر جديداً في قضايا الحقوق
+
+323
+00:33:44,810 --> 00:33:48,910
+هل يجوز؟ وهذا الذي جعلها من القضايا المالية. هل يجوز
+
+324
+00:33:48,910 --> 00:33:56,330
+تعويض الحق المعنوي بالمال؟ سنرى ذلك، لكن إحنا مسألة
+
+325
+00:33:56,330 --> 00:34:01,250
+الحقوق المعنوية أو حقوق الابتكار، وهل يجوز أخذ عائد
+
+326
+00:34:01,250 --> 00:34:07,450
+مالي عنها أو لا يجوز؟ سنرجع قليلاً إلى أن، أو، وإلى
+
+327
+00:34:07,450 --> 00:34:16,450
+أن نتحدث، أو حتى نتحدث أولاً عن معرفة حقيقة الحق لغةً
+
+328
+00:34:16,450 --> 00:34:22,010
+وعند الفقهاء القدامى منهم والمعاصرين، وما هي
+
+329
+00:34:22,010 --> 00:34:27,010
+استعمالاتهم، وما هي تقسيماتهم للحقوق، لنصل بعد ذلك
+
+330
+00:34:27,010 --> 00:34:33,590
+إلى الحقوق المعنوية، لأنها هي يعني نريد أن نعرف
+
+331
+00:34:33,590 --> 00:34:39,430
+موقع الحقوق المعنوية من بين سائر الحقوق. لنبدأ
+
+332
+00:34:39,430 --> 00:34:41,330
+الحديث فيها.
+
+333
+00:34:46,740 --> 00:34:51,560
+الحق أيها الإخوة، يعني في اللغة ضد الباطل، كما
+
+334
+00:34:51,560 --> 00:34:58,240
+يقولون، وكلنا يعرف هذا، نحن عرب والحمد لله، ونعرف
+
+335
+00:34:58,240 --> 00:35:04,520
+لغتنا، ونعرف أن الحق ضد الباطل. ومن معاني الحق
+
+336
+00:35:04,520 --> 00:35:12,420
+اللغوية كذلك الثبوت، الحق هو يعني حق الشيء أي ثبت،
+
+337
+00:35:12,420 --> 00:35:18,820
+أو وجوب. ويحق
+
+338
+00:35:18,820 --> 00:35:27,660
+الله الحق، ويُبطل الباطل، ويُثبت، يعني فالحق هو الشيء
+
+339
+00:35:27,660 --> 00:35:39,970
+الثابت أو الواجب. هذا من معاني الحق في اللغة. أما في
+
+340
+00:35:39,970 --> 00:35:47,050
+الاصطلاح الفقهي، فربما تعددت تعريفات الحق عند
+
+341
+00:35:47,050 --> 00:35:51,610
+الفقهاء القدامى وعند المعاصرين، لكن أمانةً للحق أقول
+
+342
+00:35:51,610 --> 00:36:00,650
+أنه ندرت وقَلت تعريفات الحق عند الفقهاء القدامى، يعني
+
+343
+00:36:00,650 --> 00:36:07,810
+من خلال استقراء كتب العلماء القدامى، لم نجد تعريفات
+
+344
+00:36:07,810 --> 00:36:16,570
+مشهورة أو كثيرة وشائعة للحق. ولعل العلة في ذلك أن
+
+345
+00:36:16,570 --> 00:36:21,630
+كلمة الحق معروفة، معناها خلاص، ما نحتاجش لتعريف، مش
+
+346
+00:36:21,630 --> 00:36:22,630
+مصطلح غريب.
+
+347
+00:36:26,040 --> 00:36:32,140
+ولذلك يعني ربما اكتفوا بأنفسهم عن تعريفها. الحق شيء
+
+348
+00:36:32,140 --> 00:36:37,880
+معروف، وربما استخدموها بنفس المعنى اللغوي المعروف
+
+349
+00:36:37,880 --> 00:36:43,580
+لديهم. ومع ذلك، فقد وجدت بعض التعريفات، بعض التعريفات
+
+350
+00:36:43,580 --> 00:36:50,010
+التي ذكرها القدامى، يعني، وهي تعريفات في الجملة
+
+351
+00:36:50,010 --> 00:36:55,190
+مجملة. تعريفات القدامى، حتى لما تحدثوا، أو لما تحدث
+
+352
+00:36:55,190 --> 00:37:02,500
+بعضهم عن الحق، تحدث بنوع من الإجمال. هذا مثلاً
+
+353
+00:37:02,500 --> 00:37:06,880
+فهذا عالم من العلماء القدامى، يعرف الحق بأنه ما
+
+354
+00:37:06,880 --> 00:37:13,680
+يستحقه الرجل، يعني لم يأتي بتفصيل تعريف، إيه؟ في
+
+355
+00:37:13,680 --> 00:37:20,980
+غموض، ربما في إجمال، يعني وفق التعريفات الصحيحة، لأن
+
+356
+00:37:20,980 --> 00:37:24,380
+التعريفات يا إخوة عند العلماء لها أصول، يعني من
+
+357
+00:37:24,380 --> 00:37:29,820
+الأصول التي ينبغي أن تتبع في التعريفات. اللي يعرف
+
+358
+00:37:29,820 --> 00:37:36,460
+الشيء بنفسه، لما تقول يا الحق ما يستحقه الله، هذا مش
+
+359
+00:37:36,460 --> 00:37:42,240
+تعريف، لأن التعريف يقتضي البيان والتفسير. وفي الحالة
+
+360
+00:37:42,240 --> 00:37:49,020
+هذه يسمى دور، تكرار، يعني دور. ولذلك يعني أن الحق
+
+361
+00:37:49,020 --> 00:37:55,460
+ما يستحقه، إيش؟ يعني ما جبتش إيش جديد، فيه غموض في نوع
+
+362
+00:37:55,460 --> 00:38:04,240
+إجمال منهم. نعرف بأنه الشيء الموجود من كل وجه
+
+363
+00:38:04,240 --> 00:38:08,480
+ولا ريبة فيه. وهذا تعريف أقرب للمعنى اللغوي، الشيء
+
+364
+00:38:08,480 --> 00:38:12,800
+الموجود أو الثابت. برضه لاحظوا يعني، تعريفات الحق
+
+365
+00:38:12,800 --> 00:38:20,020
+عندهم لم تكن فيها تفاصيلات أو توضيحات، بل هي أقرب
+
+366
+00:38:20,020 --> 00:38:26,080
+إلى المعنى اللغوي. وكما قلت، لعل السر في ذلك هو عدم
+
+367
+00:38:26,080 --> 00:38:31,760
+حاجتهم إلى ذلك، وفهمهم لهذا المعنى. ومنهم من عرّفه
+
+368
+00:38:31,760 --> 00:38:39,380
+بأنه اختصاص، حاجز، اختصاص حاجز. وهذا التعريف حقيقة
+
+369
+00:38:39,380 --> 00:38:46,540
+رغم اختصاره الشديد، إلا أنه فيه دلالة جديدة، فيه نوع
+
+370
+00:38:46,540 --> 00:38:56,280
+دلالة اختصاص، يعني تفيد ثبوت شيء، واختصاص شخص به دون
+
+371
+00:38:56,280 --> 00:39:04,040
+غيره من عامة الناس. وربما هذا ما يُميّز الحق. حقيقة،
+
+372
+00:39:04,040 --> 00:39:07,940
+مدام هذا الحق إلي، خلاص، إذا هذا لا يجوز أن
+
+373
+00:39:07,940 --> 00:39:11,220
+يشاركني فيه أحد، إلا ... هذا اختصاص، هذا من
+
+374
+00:39:11,220 --> 00:39:17,700
+خصوصياتي، إلا برضاي، أو إلا بعقد يقتضي نقل هذا الحق
+
+375
+00:39:18,140 --> 00:39:24,440
+بيعاً، شراءً، هبةً، أو إلى غير ذلك. فالحق كأنه وفق
+
+376
+00:39:24,440 --> 00:39:31,540
+هذا التعريف، يعني رابطة تربط بين الشخص وبين شيء
+
+377
+00:39:31,540 --> 00:39:37,280
+معين. بين الشخص وبين شيء معين، تصبح العلاقة بينهما
+
+378
+00:39:37,280 --> 00:39:42,480
+خلاص، يعني هذه السيارة لفلان، كلما رأيت السيارة
+
+379
+00:39:42,480 --> 00:39:48,560
+تتذكر فلان، صح؟ كلما رأيت فلان، تعرف أن دي ... يعني
+
+380
+00:39:48,560 --> 00:39:54,160
+على طول في ارتباط، ارتباط يعني، دعني أسميه يعني
+
+381
+00:39:54,160 --> 00:40:00,580
+ارتباط معنوي، ارتباط كذا بين الحق ... بين الشيء
+
+382
+00:40:00,580 --> 00:40:06,570
+وبين صاحبه، هذا ما يُعرف بالحق. هذا ... هذه ... هذا
+
+383
+00:40:06,570 --> 00:40:12,130
+البيت، على طول بيت فلان، خلاص ارتبط ... ارتبط به هذا
+
+384
+00:40:12,130 --> 00:40:15,910
+اللبس ... هذا ... هذه الجامعة ... الجامعة الإسلامية
+
+385
+00:40:15,910 --> 00:40:19,010
+لا يجوز لأي جامعة ... أي جامعة تقول آه
+
+386
+00:40:19,010 --> 00:40:21,750
+والجامعات ما هي، إحنا كلنا ولاد الشعب الفلسطيني،
+
+387
+00:40:21,750 --> 00:40:24,850
+الجامعة الفلانية تجيب ولادها وتعليمهم في الجامعة
+
+38
+
+445
+00:46:20,950 --> 00:46:26,830
+ثبوت الحق لأنه أهم ميزة من ميزات الحق أنه اختصاص
+
+446
+00:46:26,830 --> 00:46:33,150
+أهم ما يميز الحق أنه اختصاص يختص به الشخص أو الفرد
+
+447
+00:46:33,150 --> 00:46:39,310
+أو صاحب الحق عن غيره، وإن لم يكن هناك اختصاص، فأي حق؟
+
+448
+00:46:39,310 --> 00:46:45,540
+من هذا إذن، لابد أن تكون صفة الحق أنه فيه اختصاص
+
+449
+00:46:45,540 --> 00:46:51,060
+اختصاص يقرره، برضه هنا أراد أن يؤكد أن هذه الحقوق
+
+450
+00:46:51,060 --> 00:46:55,040
+التي يختص بها هذا الفرد أو ذات هذه الجماعة أو تلك
+
+451
+00:46:55,040 --> 00:47:03,580
+هذا المجتمع أو كذا، إنما يتقرر بقرار الشارع الحكيم،
+
+452
+00:47:03,580 --> 00:47:09,980
+وليس بقرار صاحب أو من يدعي الحق. ولا داعي لتكرار ما
+
+453
+00:47:09,980 --> 00:47:17,340
+سبق ذكره في المرة السابقة، لكن يعني لابد من الإشارة
+
+454
+00:47:17,340 --> 00:47:26,480
+هنا أنه بقوله سلطة أو تكليفة، أشار لنا إلى أن ثمة
+
+455
+00:47:26,480 --> 00:47:34,430
+حقوق تثبت للعبد أو للفرد، وحقوق تثبت لله سبحانه
+
+456
+00:47:34,430 --> 00:47:40,090
+وتعالى. فإنه عندما يتقرر تكليف واحد، يقول: هل التكليف
+
+457
+00:47:40,090 --> 00:47:46,350
+حق؟ حق لله، وليس لك. فكأن هنا إشارة، يا جماعة، يا
+
+458
+00:47:46,350 --> 00:47:52,110
+ناس، ما تنسوش إن في حقوق، كما أن لكم حقوقًا، فإن لله
+
+459
+00:47:52,110 --> 00:47:58,570
+عليكم حقوقًا. التي صارت بالنسبة لكم واجبات. عليكم حقوق
+
+460
+00:47:58,570 --> 00:48:04,250
+لله. ولذلك في تقسيمات... عندما نتحدث عن التقسيمات
+
+461
+00:48:04,250 --> 00:48:11,330
+التقسيمات الرئيسية للفقهاء للحقوق: تقسيم... تقسيم
+
+462
+00:48:11,330 --> 00:48:16,090
+حقوق الله وحقوق العبد، بينما القانونيون لا يرتفعون
+
+463
+00:48:16,090 --> 00:48:23,910
+إلى ذلك كثيرًا، لكن تقسيمات الشرعيين للحقوق: حقوق لله،
+
+464
+00:48:23,910 --> 00:48:34,010
+حقوق للعبد، وكل له مفهومه وله مواطنه وله خصائصه، بغض
+
+465
+00:48:34,010 --> 00:48:38,770
+النظر، لكن هذا التعريف من ميزاته أنه أشار إلى هذه
+
+466
+00:48:38,770 --> 00:48:43,270
+النقطة. التعريف الآخر أو الثالث والأخير أنه اختصاص
+
+467
+00:48:44,200 --> 00:48:50,520
+برضه يقرره الشرع: سلطة على شيء أو اقتضاء، أو
+
+468
+00:48:50,520 --> 00:48:58,160
+اقتضاء، ده من أخر تحقيقا لمصلحة معينة. وهذا التعريف
+
+469
+00:48:58,160 --> 00:49:05,660
+ربما فيه يعني تفصيل أكثر، وفيه شمولية أكثر، حيث
+
+470
+00:49:05,660 --> 00:49:12,030
+أشار إلى تعريف الحق بمضمونه، وبيان الغاية في نفس
+
+471
+00:49:12,030 --> 00:49:18,830
+الوقت التي يتترتب عليها الحقوق. بيّن تعريف الحق
+
+472
+00:49:18,830 --> 00:49:26,990
+بمضمونه، عندما كان اختصاصًا، بين من هو صاحب الذي يقرر
+
+473
+00:49:26,990 --> 00:49:32,530
+الحقوق، وهو رب العالمين أو الشارع الحكيم، بينا أن
+
+474
+00:49:32,530 --> 00:49:38,210
+الهدف، أو بينا الغاية من الحقوق، وهي تحقيق المصالح
+
+475
+00:49:38,210 --> 00:49:43,690
+لصاحب هذا الحق.
+
+476
+00:49:43,690 --> 00:49:47,910
+وبذلك نستطيع أن نقول أن هذا التعريف يعني فيه من
+
+477
+00:49:47,910 --> 00:49:53,180
+الشمولية، ولعله يكون التعريف الأوْلى اعتباره إذا ما
+
+478
+00:49:53,180 --> 00:49:57,940
+طلب منا تعريف، أو إذا ما عرضنا أن نعرف الحق، نكتفي
+
+479
+00:49:57,940 --> 00:49:59,100
+بذلك، وشكراً لكم.
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/BKtWH4ENCtg_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/BKtWH4ENCtg_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..a3544f7da52e454152b07834bb9076bd43733cd1
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/BKtWH4ENCtg_postprocess.srt
@@ -0,0 +1,1916 @@
+1
+00:00:21,060 --> 00:00:25,600
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:25,600 --> 00:00:30,720
+على رسول الله وعلى آله وصحبه ومن اقتدى بهده واستنى
+
+3
+00:00:30,720 --> 00:00:35,660
+بصناته إلى يوم الدين وبعد أهلا وسهلا بكم في هذه
+
+4
+00:00:35,660 --> 00:00:41,480
+المحاضرة المتجددة بإذن الله سبحانه وتعالى على مدار
+
+5
+00:00:41,480 --> 00:00:46,680
+فصلنا هذا في مساقى المعاملات المالية المعاصرة في
+
+6
+00:00:46,680 --> 00:00:54,190
+الإسلام كنافي المحاضرة السابقة تحدثنا عن مقدمة
+
+7
+00:00:54,190 --> 00:01:00,670
+عامة في المعاملات المتمثلة أولا في بيان المقصود
+
+8
+00:01:00,670 --> 00:01:06,790
+بالمعاملات المالية المعاصرة متضمنة المجالاتالتي
+
+9
+00:01:06,790 --> 00:01:13,370
+ينسحب عليها اسم المعاملات المالية المعاصرة سواء
+
+10
+00:01:13,370 --> 00:01:18,570
+تلكم التي استحدثها الناس أو تلكم التي تغير موجب
+
+11
+00:01:18,570 --> 00:01:25,560
+الحكم عليها بسبب الظروف والأعراف والأحوالأو تلكم
+
+12
+00:01:25,560 --> 00:01:34,340
+التي حملت اسما جديدا أو تلكم التي جاءت مركبة من
+
+13
+00:01:34,340 --> 00:01:42,860
+عدة صور أو عدة عقود أو عدة قضايا كل هذه قلنا بأنها
+
+14
+00:01:42,860 --> 00:01:50,440
+تندرج تحت اسم المعاملات المالية المعاصرة ثم تحدثنا
+
+15
+00:01:50,440 --> 00:01:57,710
+بعد ذلكعن الخصائص العامة التي تتميز بها المعاملات
+
+16
+00:01:57,710 --> 00:02:07,050
+إجمالا وتميزها عن سائر أحكام الفقه الإسلامي بدءا
+
+17
+00:02:07,050 --> 00:02:16,470
+من كون المعاملاتفي الإسلام وردت على شكل قواد
+
+18
+00:02:16,470 --> 00:02:22,630
+ومبادئ عامة لا تفصيل فيها وإنما تركت تفصيل لعلماء
+
+19
+00:02:22,630 --> 00:02:29,590
+وأهل كل عصر بحسب ما يجدوا لهم من قضايا وما يحققوا
+
+20
+00:02:29,590 --> 00:02:36,590
+لهم من مصالحومرورا بخاصية أن الأصل في المعاملات
+
+21
+00:02:36,590 --> 00:02:43,750
+الحل والإباحة فلا تحتاج المعاملة المستحدثة إلى
+
+22
+00:02:43,750 --> 00:02:52,590
+دليل يدل على حلها وجوازها ولكن إذا تبينالنص على
+
+23
+00:02:52,590 --> 00:02:57,870
+حرمتها في كتاب أو سنة أو حتى بالقياس فإنها تثبت
+
+24
+00:02:57,870 --> 00:03:03,610
+الحرمة ما لم تثبت الحرمة فإنه يبقى ثابت في حقها
+
+25
+00:03:03,610 --> 00:03:12,830
+أصل الجواز و الحل ثم قلنا كذلك بأن الخاصية الثالثة
+
+26
+00:03:12,830 --> 00:03:18,630
+التي تتميز بها المعاملات في الإسلام أن المعاملات
+
+27
+00:03:18,630 --> 00:03:25,020
+مبنية على مراعاتالعلل والمصالح مبنية على مراعاة
+
+28
+00:03:25,020 --> 00:03:30,420
+العلل والمصالح بمعنى أنه ينبغي على المشتهدين
+
+29
+00:03:30,420 --> 00:03:34,520
+والعلماء أن يتعرفوا على العلة التي من أجلها جاء
+
+30
+00:03:34,520 --> 00:03:40,380
+الحكم في هذه المعاملة أو تلك حلا أو حرمةاستحبابا
+
+31
+00:03:40,380 --> 00:03:45,840
+او كراهة لكي يستطيعوا بعد ذلك معرفة الأحكام
+
+32
+00:03:45,840 --> 00:03:51,500
+للقضايا المتجددة قياسا على القضايا التي ورد فيها
+
+33
+00:03:51,500 --> 00:03:55,860
+حكم هنا او هناك من خلال معرفة العلة او المصلحة
+
+34
+00:03:55,860 --> 00:04:05,780
+التي من أجلها جاء الحكم في هذه المعاملةثم الخاصية
+
+35
+00:04:05,780 --> 00:04:11,520
+الثالثة الرابعة التي ذكرناها أنها تجمع بين الثبات
+
+36
+00:04:11,520 --> 00:04:18,180
+والمرونة، تجمع بين الثبات والمرونة في تأكيد على
+
+37
+00:04:18,180 --> 00:04:25,580
+أنه رغمسعت دائرة الاجتهاد في المعاملات المالية إلا
+
+38
+00:04:25,580 --> 00:04:34,100
+أن فمت بوابط وقواعد ثابتة لا تتزازع تحكم الاجتهاد
+
+39
+00:04:34,100 --> 00:04:42,020
+وتحكم أصول البحث في قضايا المعاملات المعاصرةثم
+
+40
+00:04:42,020 --> 00:04:51,320
+انتقلنا بعد ذلك إلى بيان أحكام المعاملات المالية
+
+41
+00:04:51,320 --> 00:04:57,080
+المعاصرة وقلنا بأن بيان أحكام المعاملات المالية
+
+42
+00:04:57,080 --> 00:05:03,700
+المعاصرة شأنه شأن بيان أي مسألة وأي قضية تجدوا على
+
+43
+00:05:03,700 --> 00:05:10,430
+الساحة أو تجدوا في الواقعالحكم العام في ذلك كله
+
+44
+00:05:10,430 --> 00:05:18,430
+أنه يجب على علماء المسلمين في كل عصر أن يبينوا حكم
+
+45
+00:05:18,430 --> 00:05:25,070
+كل قضية تجد في باب المعاملات أو في غير باب
+
+46
+00:05:25,070 --> 00:05:31,340
+المعاملاتفإذا بيان أحكام القضايا المالية المستجدة
+
+47
+00:05:31,340 --> 00:05:36,560
+في عصرنا أو في كل عصر من الأصور هو واجب ثابت على
+
+48
+00:05:36,560 --> 00:05:42,620
+العلماء لأنهم بذلك يؤكدون صلاحية الشريعة لكل زمان
+
+49
+00:05:42,620 --> 00:05:51,960
+وكل مكان وأنها لم يفرط فيها بشيء وأنها نزلت تبيانا
+
+50
+00:05:51,960 --> 00:06:02,160
+لكل .. لكل شيءلكن في نفس الوقت ونحن نؤكد على أنه
+
+51
+00:06:02,160 --> 00:06:07,460
+يجب على المجتهدين و العلماء في كل عصر بيان الحكم
+
+52
+00:06:07,460 --> 00:06:13,320
+للقضايا المستجدة فإنه ينبغي على من يتصدى لهذا
+
+53
+00:06:13,320 --> 00:06:19,800
+البيان أن تتوفر فيه شروطأن يكون أهلا للاجتهاد أهلا
+
+54
+00:06:19,800 --> 00:06:25,440
+للبيان والنظر وليس إنسانا
+
+55
+00:06:25,440 --> 00:06:31,220
+غير متوفرا فيه هذه الشروط وربما ذكرنا في المرة
+
+56
+00:06:31,220 --> 00:06:35,460
+الماضية يعني أنه ينبغي أن يتوفر فيه العلم بكتاب
+
+57
+00:06:35,460 --> 00:06:39,420
+الله وبسنة رسول الله صلى الله عليه وسلم وبلغة
+
+58
+00:06:39,420 --> 00:06:44,240
+العربية التي هي لغة القرآن ومعرفة مواطن الإجماع
+
+59
+00:06:44,240 --> 00:06:50,700
+ومواطن الاختلافوكذلك معرفة علم أصول الفقه الناسخ
+
+60
+00:06:50,700 --> 00:06:54,840
+والمنسوخ والمطلق والمقيد والعام والخاص وإلى غير
+
+61
+00:06:54,840 --> 00:07:03,020
+ذلك إضافة إلى ضرورة كونه يتصف بالديانة
+
+62
+00:07:03,020 --> 00:07:07,280
+أو بالورعي والتقوى لأنه لا يؤتمن على هذا الدين
+
+63
+00:07:07,280 --> 00:07:14,300
+وبيان أحكامه من كان فاسقا منحرفا عاصيا لله سبحانه
+
+64
+00:07:14,530 --> 00:07:20,130
+وتعالى لابد أن يكون مؤتمنا إضافة إلى علمه فالعلم
+
+65
+00:07:20,130 --> 00:07:27,370
+وحده لا يؤهل العالم لكي يتصدى لبيان أحكام الاجتهاد
+
+66
+00:07:27,370 --> 00:07:32,450
+فهذه الأحكام هي أحكام الله سبحانه وتعالى هي دين
+
+67
+00:07:32,450 --> 00:07:38,430
+نتعبد به إلى الله سبحانه وتعالىينبغي على من يقوم
+
+68
+00:07:38,430 --> 00:07:45,750
+ببيانها أن يكون أهلا لذلك علما و دينا و ورعا و
+
+69
+00:07:45,750 --> 00:07:52,350
+تقواثم توقفنا ربما في المرة الماضية عند اخر نقطة
+
+70
+00:07:52,350 --> 00:07:58,350
+في المقدمة العامة هذه وهي ايه الخطوات التي ينبغي
+
+71
+00:07:58,350 --> 00:08:07,670
+ان يسير عليها او يلتزم بها المجتهد اثناء اجتهاده
+
+72
+00:08:07,670 --> 00:08:15,010
+وبيانه ونظره في معرفة الحكم الشرعي للقضية المالية
+
+73
+00:08:15,380 --> 00:08:19,200
+أقول أيها الإخوة الكرام بعد أن تتوفر في المجتهد
+
+74
+00:08:19,200 --> 00:08:27,000
+الصفات التي ذكرناها وتؤهله للاجتهاد ينبغي أن يسير
+
+75
+00:08:27,000 --> 00:08:33,900
+على أو أن يتتبع الخطوات التالية أو على الأقل يستحب
+
+76
+00:08:33,900 --> 00:08:39,920
+له أن يتتبع خطوات معينة من شأنها أن تعينه أن
+
+77
+00:08:39,920 --> 00:08:48,810
+تعينهمان تساعده على الوصول إلى الحكم بدقة وبصوابية
+
+78
+00:08:48,810 --> 00:08:55,030
+ان شاء الله اول ما ينبغي ان يفعله المجتهد
+
+79
+00:08:56,570 --> 00:09:00,930
+أثناء في طريقي في مسيرة اجتهاده لمعرفة الحكم
+
+80
+00:09:00,930 --> 00:09:06,370
+التوجه إلى الله سبحانه وتعالى الدعاء والتوجه إلى
+
+81
+00:09:06,370 --> 00:09:12,470
+الله بأن يعينه على معرفة الحق في هذه القضايا أو
+
+82
+00:09:12,470 --> 00:09:19,990
+تلك ذلك أنه إن لم يكن له عون من الله سبحانه وتعالى
+
+83
+00:09:19,990 --> 00:09:26,790
+على معرفة الحق فإن علمه كله لا يصلح لذلكفأولا
+
+84
+00:09:26,790 --> 00:09:32,130
+وأخيرا ينبغي أن يتوجه إلى رب العالمين ليعينه
+
+85
+00:09:32,130 --> 00:09:39,550
+ويساعده في ذلك ويلهمه الصوابة والرشاد لحظه يقول
+
+86
+00:09:39,550 --> 00:09:46,290
+تعالى واتقوا الله ويعلمكم اللهفتقوى الله والتقرب
+
+87
+00:09:46,290 --> 00:09:51,010
+إلى الله والدعاء إلى الله كله يساعد الإنسان في
+
+88
+00:09:51,010 --> 00:09:55,150
+معرفة الحق حتى أقول بالنسبة لكم أنتم أيها القلاب
+
+89
+00:09:55,150 --> 00:10:00,070
+الأعزاء من كان أكثر قربا من الله ومن توجه إلى الله
+
+90
+00:10:00,070 --> 00:10:05,710
+بأن يعينه على دراسته وعلى تجاوزه لامتحانهم فإنه
+
+91
+00:10:05,710 --> 00:10:13,430
+بإذن الله سيعانوأن لا يظن الإنسان أنه يستطيع بعلمه
+
+92
+00:10:13,430 --> 00:10:18,650
+أن يستقل عن كل ذلك أو أن يستغني عن الله رب
+
+93
+00:10:18,650 --> 00:10:24,310
+العالمين أبدا فإنه يمكن مهما يعني كثيرا ما كنا نرا
+
+94
+00:10:24,310 --> 00:10:30,230
+يعني بعض الطلاب ربما يحفظوا المادة حفظا تاما ولكن
+
+95
+00:10:30,230 --> 00:10:35,890
+وقت الامتحان ينسى كل شيء أو يصادفه سؤال لا يدري
+
+96
+00:10:35,890 --> 00:10:44,970
+كيف يجيبهفإذا به وبحفظه وبدراسته تذهب هباء منفورة
+
+97
+00:10:44,970 --> 00:10:48,550
+فلابد
+
+98
+00:10:48,550 --> 00:10:53,770
+دائما وهذا ليس فقط في باب العلم بل في كل أبواب
+
+99
+00:10:53,770 --> 00:10:58,190
+الحياة وفي كل مجالات العمل في جوانبي ومجالات
+
+100
+00:10:58,190 --> 00:11:07,870
+الحياة المختلفة ثانيابعد هذه الخطوة و قبل أن يجيب
+
+101
+00:11:07,870 --> 00:11:15,890
+عن الحكم و يبينه لابد أن يفهم القضية يفهمها فهما
+
+102
+00:11:15,890 --> 00:11:25,740
+تاما فهما شاملا دقيقا عنيقاوذلك من خلال يعني إن
+
+103
+00:11:25,740 --> 00:11:29,180
+كانت المسألة في مجال الطبي فيسأل أهل الطبي
+
+104
+00:11:29,180 --> 00:11:34,120
+والاختصاص إن كانت في مجال السياسة فيسأل أهل
+
+105
+00:11:34,120 --> 00:11:42,060
+السياسة والحكم إن كانت في مجال الزراعة إن كانت في
+
+106
+00:11:42,060 --> 00:11:47,660
+مجال الجنايات إلى غير ذلك يسأل أهل الإختصاص عن
+
+107
+00:11:47,660 --> 00:11:55,430
+طبيعة هذه القضيةذلك أن العلماء يقولون أن الحكم على
+
+108
+00:11:55,430 --> 00:12:01,730
+الشيء فرعه تصوره لابد قبل أن تحكم على الشيء أن
+
+109
+00:12:01,730 --> 00:12:07,190
+تتعرف عليه وعلى حقيقته فليست كما قلنا ونكرره دائما
+
+110
+00:12:07,190 --> 00:12:16,910
+ليست الأحكام رهينة أسماء أو أهواء لأ بل إن الأحكام
+
+111
+00:12:16,910 --> 00:12:24,030
+مبنية على الحقائقوعلى المضامين وعلى المقاصد فلابد
+
+112
+00:12:24,030 --> 00:12:33,150
+أن يتعرف المجتهد أو العالم قبل عملية البيان
+
+113
+00:12:33,150 --> 00:12:40,590
+إلى أن يتعرف على حقيقة القضية من جوانبها واطرافها
+
+114
+00:12:40,590 --> 00:12:49,170
+المتعددة ويحللها التحليل الدقيققبل أن يعني يبدأ في
+
+115
+00:12:49,170 --> 00:12:55,710
+بياني الحكم ثم بعد ذلك هل يعني يطلق الحكم؟ يبين
+
+116
+00:12:55,710 --> 00:13:03,230
+الحكم؟ لأ الآن بعد أن فهمها و تعرف عليها ينظر هل
+
+117
+00:13:03,230 --> 00:13:07,090
+هذه القضية لعل هذه القضية حكمها قبل أن يحكم
+
+118
+00:13:07,090 --> 00:13:12,430
+باجتهاده لعل هذه القضية موجودة حكمها في كتاب الله
+
+119
+00:13:15,000 --> 00:13:22,160
+فيبحث في كتاب الله، فإن وجدها، خلاص، توقفت عملية
+
+120
+00:13:22,160 --> 00:13:29,240
+الاجتهاد، الاجتهادة مع النصفإن لم يجد فيذهب إلى
+
+121
+00:13:29,240 --> 00:13:34,680
+سنة رسول الله صلى الله عليه وسلم يفتش ويبحث في
+
+122
+00:13:34,680 --> 00:13:41,380
+المسانيد وفي كتب الحديث في كتب السنن عسى أن يجد
+
+123
+00:13:41,380 --> 00:13:49,600
+حديثا أو حديث تجيبه عن حكم هذه القضية فإن وجد أيضا
+
+124
+00:13:49,600 --> 00:13:54,540
+توقففإنما ثبت في سنة رسول الله صلى الله عليه وسلم
+
+125
+00:13:54,540 --> 00:14:00,020
+كالذي ثبت في كتاب الله فالسنة وحي كما نعرفه كما
+
+126
+00:14:00,020 --> 00:14:04,620
+القرآن الكريم وإن كان هذا وحي بالمعنى وذاك وحي
+
+127
+00:14:04,620 --> 00:14:10,570
+باللفظ والمعنىفإن وجدت في السنة أيضا توقفت عملية
+
+128
+00:14:10,570 --> 00:14:16,770
+الاجتهاد فلا مجالة للاجتهاد لأن الاجتهاد في الحالة
+
+129
+00:14:16,770 --> 00:14:22,730
+هذه ليس اجتهادا وإنما افتياتا وتجاوزا
+
+130
+00:14:24,050 --> 00:14:30,370
+وتعاليا كأنه إذا اجتهد مع وجود النص كأنه تكبر على
+
+131
+00:14:30,370 --> 00:14:34,970
+النص، كأنه لم يعجبه الحكم الذي جاء في النص، وهذا
+
+132
+00:14:34,970 --> 00:14:39,510
+غير مقبول، بل قد يودي به إلى الهلاك أو إلى الكفر،
+
+133
+00:14:39,510 --> 00:14:45,800
+باللهفلا مجال فإن لم يجد هنا ولا هناك في كتاب الله
+
+134
+00:14:45,800 --> 00:14:52,640
+ولا في سنة رسول الله صلى الله عليه وسلم أيضا لازال
+
+135
+00:14:52,640 --> 00:15:00,770
+هناك مجال للعرض على جهة أخرىهناك من هم أكثر فقها
+
+136
+00:15:00,770 --> 00:15:07,910
+منك أيها المجتهد المؤاصر، هناك من هم أكثر دراية،
+
+137
+00:15:07,910 --> 00:15:13,390
+هناك من هم أكثر قربا من رسول الله صلى الله عليه
+
+138
+00:15:13,390 --> 00:15:19,760
+وسلم لعن القطية وجهتهمفبيّنوا حكم الله فيها فاذهب
+
+139
+00:15:19,760 --> 00:15:25,040
+إلى أقوالهم وتعرف على أحكامهم علّك تجد القضية
+
+140
+00:15:25,040 --> 00:15:30,700
+وحكمها عندهم إنهم أصحاب رسول الله صلى الله عليه
+
+141
+00:15:30,700 --> 00:15:37,820
+وسلم فتش الكتب زاخرة نقلت لنا أقوال الفؤال الصحابة
+
+142
+00:15:39,010 --> 00:15:45,210
+في القضايا الاجتهادية في عصر النبي وبعد عصر النبي
+
+143
+00:15:45,210 --> 00:15:49,410
+صلى الله عليه وسلم ومعروف أن الصحاب وجهوا من
+
+144
+00:15:49,410 --> 00:15:52,810
+القضايا بعد وفاة النبي صلى الله عليه وسلم في عصر
+
+145
+00:15:52,810 --> 00:15:57,530
+النبي صلى الله عليه وسلم كانت المرجعية الكتاب
+
+146
+00:15:57,530 --> 00:15:58,750
+والسنة
+
+147
+00:16:03,260 --> 00:16:09,080
+ولكن وقد انتهى هذا العصر وتوفي رسول الله صلى الله
+
+148
+00:16:09,080 --> 00:16:14,180
+عليه وسلم وانقطع الوحي أصبح هناك مجال للاجتهاد
+
+149
+00:16:14,180 --> 00:16:18,920
+لهؤلاء الصحابة وهؤلاء الصحابة نقول قد يقول قائل
+
+150
+00:16:18,920 --> 00:16:23,460
+هؤلاء مشتهدون ونحن مشتهدون نعم ولكن شتانة بين
+
+151
+00:16:23,460 --> 00:16:27,980
+مشتهد ومشتهد هؤلاء الصحابة المشتهدون رضوان الله
+
+152
+00:16:27,980 --> 00:16:34,000
+عليهم هؤلاءصاحبوا رسول الله صلى الله عليه وسلم
+
+153
+00:16:34,000 --> 00:16:39,180
+عايشوا التنزيل عرفوا أسرار التشريع عرفوا أسباب
+
+154
+00:16:39,180 --> 00:16:44,520
+النزول عرفوا اللغة العربية التي نزل بها القرآن
+
+155
+00:16:44,520 --> 00:16:49,680
+الكريم مالكوا أسباب الاجتهاد الكاملة غير منقوصة
+
+156
+00:16:52,130 --> 00:16:57,330
+نعم، فلذلك يعني هم أولى الكلمة التي تصدر عنهم،
+
+157
+00:16:57,330 --> 00:17:01,290
+الاجتهاد الذي يصدر عنهم أقرب إلى الصواب من
+
+158
+00:17:01,290 --> 00:17:06,890
+الاجتهاد الذي يصدر عن غيرهم، فلذلك إن لم تجد في
+
+159
+00:17:06,890 --> 00:17:11,530
+كتاب الله أو في سنة رسول الله صلى الله عليه وسلم
+
+160
+00:17:11,530 --> 00:17:16,500
+فاذهب إلى أقوال الصحابة، إذا كان الأيامكأمثال أبي
+
+161
+00:17:16,500 --> 00:17:21,960
+حنيفة و الشفعي و مالك و أحمد و غيرهم من هؤلاء
+
+162
+00:17:21,960 --> 00:17:28,640
+الأعلام الذين نقطاته على موائد كتبهم هؤلاء كانوا
+
+163
+00:17:28,640 --> 00:17:34,640
+يرجعون إلى قوال الصحابة فكيف بالمؤاصرين؟من باب او
+
+164
+00:17:34,640 --> 00:17:40,120
+لا كما يقولون اذا تعرضوا القضية على اقوال الصحابة
+
+165
+00:17:40,120 --> 00:17:47,120
+لعلها لعلهم يجدون فيها باب فان لم تجد في او لم يجد
+
+166
+00:17:47,120 --> 00:17:55,200
+الفقهاء او العلماءأيضا هناك محطة أخرى ألا وهي محطة
+
+167
+00:17:55,200 --> 00:18:01,320
+العرض على الأئمة المجتهدين القدامى، أئمة المذاهب
+
+168
+00:18:01,320 --> 00:18:07,880
+المشهورة التي كتب الله لها القبول والانتشارمذهب
+
+169
+00:18:07,880 --> 00:18:13,700
+الإمام أبي حنيفة أو مذهب الإمام الشافعي مالك أحمد
+
+170
+00:18:13,700 --> 00:18:19,900
+هؤلاء الأئمة الأعلام هؤلاء يعني كان لهم اجتهادات
+
+171
+00:18:19,900 --> 00:18:26,160
+كثيرة وزاخرة ينبغي على مجتهدة العصر أن يرجعوا
+
+172
+00:18:26,160 --> 00:18:32,280
+إليها وينظروا ماذا قالوا على الأقل يا إخوة حتى لا
+
+173
+00:18:32,280 --> 00:18:36,620
+يبدأ حتى لا يبدأ المجتهد كما يقولون من نقطة الصفر
+
+174
+00:18:37,880 --> 00:18:43,960
+أي إنسان يريد أن يعمل عملا، يريد أن يكتب كتابا،
+
+175
+00:18:43,960 --> 00:18:47,820
+يريد أن ينجز إنجازا من المنطق
+
+176
+00:18:50,980 --> 00:18:58,520
+ومن الصرعة في الإنجاز ومن الدقة فيه أن لا يبدأ من
+
+177
+00:18:58,520 --> 00:19:03,460
+الصفر بل أن يبدأ من حيث انتهى الآخرون وهذا يقتضي
+
+178
+00:19:03,460 --> 00:19:10,220
+أن يطلع على ما قاموا به إذا أراد أن يبدأ من حيث
+
+179
+00:19:10,220 --> 00:19:14,740
+انتهى لأنه قد يبذل جهدا كبيرا وهذا في حفاظا على
+
+180
+00:19:14,740 --> 00:19:21,110
+الوقت وحفاظا على الجهد وحفاظا على العملانت بدلا من
+
+181
+00:19:21,110 --> 00:19:25,170
+أن تبدأ من نقطة الصفر ابدأ من حيث انتهى .. من حيث
+
+182
+00:19:25,170 --> 00:19:29,330
+انتهى الآخرون ومن حيث توصل الآخرون فانت وصله إلى
+
+183
+00:19:29,330 --> 00:19:35,650
+شيء فاحمد الله أنكفوك وإلا فابدأ يا سيدي فابدأ و
+
+184
+00:19:35,650 --> 00:19:40,290
+أعمل و اجتهد لبأس في ذلك أما أن تكرر نفسك و أن
+
+185
+00:19:40,290 --> 00:19:46,170
+تكرر الجهد في ما لا حاجة له أو فيه لا داعي إلى ذلك
+
+186
+00:19:47,640 --> 00:19:56,680
+ثم أيضا هناك أيها الإخوة الكرام إضافة إلى ما نقل
+
+187
+00:19:56,680 --> 00:20:00,840
+عن أئمة الاجتهاد فإن كثيرا من العلماء القدامى
+
+188
+00:20:00,840 --> 00:20:06,930
+ألفوا كتبا خاصة في النوازلفي القضايا المعاصرة يعني
+
+189
+00:20:06,930 --> 00:20:12,070
+في كل عصر في الفتاوى الخاصة ايضا المجتهد المعاصر
+
+190
+00:20:12,070 --> 00:20:16,670
+في قضية من القضايا من .. من ما ينبغي عليه ان يراجع
+
+191
+00:20:16,670 --> 00:20:21,910
+ان يطلع عسى ان يجد في هذه الكتب من كتب الفتاوى
+
+192
+00:20:21,910 --> 00:20:28,450
+التي انتشرت وكثرتيعني وأجيب فيها عن كثير من
+
+193
+00:20:28,450 --> 00:20:34,090
+القضايا يعني ليست فقط القضايا التي كانوا التي كانت
+
+194
+00:20:34,090 --> 00:20:39,690
+تقع او التي كانوا يعاصرونها بل اكثر من ذلك فإن مثل
+
+195
+00:20:39,690 --> 00:20:43,670
+هذه الفتاوى كانت تجيب أحيانا عن قضايا افتراضية
+
+196
+00:20:43,670 --> 00:20:47,190
+بالنسبالي عن الحكم في القضايا الافتراضية لقد بلغ
+
+197
+00:20:47,190 --> 00:20:53,870
+من قوة علمائنا ومن سعة اطلاعهمومن قدرتهم على
+
+198
+00:20:53,870 --> 00:20:59,110
+الإجتهاد القدامى إلى أنهم أجابوا عن جميع القضايا
+
+199
+00:20:59,110 --> 00:21:04,610
+المعاصرة وأنهم بدأوا يفترضوا قضايا لم تقع ويضعوا
+
+200
+00:21:04,610 --> 00:21:12,940
+لها أحكاما فهؤلاء علماء الذاتانظر ايضا الطلع على
+
+201
+00:21:12,940 --> 00:21:18,100
+فتواهم علاك تجد قضية القضية موجودة او قضية مشابهة
+
+202
+00:21:18,100 --> 00:21:26,740
+على الاقل تعينك على معرفة الحكم وتساعدك على الوصول
+
+203
+00:21:26,740 --> 00:21:35,670
+اليه كذلك اليوم أيها الأخوة الكرام هناكهناك شيء
+
+204
+00:21:35,670 --> 00:21:43,350
+عرف باسم المجامع الفقهية أو الاجتهاد الجماعي يعني
+
+205
+00:21:43,350 --> 00:21:48,870
+بعد أن ضعفت يعني وطيرة العلم في عصرنا وهذا لا ينكر
+
+206
+00:21:48,870 --> 00:21:55,950
+حقيقة وضعف الوزع العلمي وكان في القديم العالم او
+
+207
+00:21:55,950 --> 00:22:02,940
+المجتهديعني يعدل أمة في علمه مجتهد موسوعي ليس
+
+208
+00:22:02,940 --> 00:22:06,600
+عالما في الفقه فقط ولا في الأصول فقط ولا في
+
+209
+00:22:06,600 --> 00:22:11,760
+التفسير فقط ولا في الحديث فقط بل حتى في علوم أخرى
+
+210
+00:22:11,760 --> 00:22:15,180
+من العلوم الدنياوية تجده إضافة إلى أنه عالم في
+
+211
+00:22:15,180 --> 00:22:18,880
+علوم الشريعة كلها عالم في الفلك عالم في الطب عالم
+
+212
+00:22:18,880 --> 00:22:29,330
+في علم النفس تجده موسوعفي ذلك، لكن اليوم علماءنا
+
+213
+00:22:29,330 --> 00:22:35,340
+يعني تجده ليس عالمًا في الشريعةبكمالها بل في تخصص
+
+214
+00:22:35,340 --> 00:22:40,520
+من التخصصات فإن كان عالمًا في الفقه أو متخصص في
+
+215
+00:22:40,520 --> 00:22:43,940
+الفقه فسؤال في الحديث يقول لا أدري اسأل أهل الحديث
+
+216
+00:22:43,940 --> 00:22:48,340
+وإن كان عالمًا في الحديث وسألته في الفقه يقول لا
+
+217
+00:22:48,340 --> 00:22:56,140
+أدري اسأل أهل الفقه هذا حاله كثير من علماء ومتخصصي
+
+218
+00:22:56,140 --> 00:23:03,370
+وباحثي هذا العصر ولذلكيعني فإن أهل هذا العصر و هم
+
+219
+00:23:03,370 --> 00:23:08,990
+يدركون هذه الحقيقة بنوا اجتهاداتهم على ما يُعرف
+
+220
+00:23:08,990 --> 00:23:13,630
+بالاجتهاد الجماعي مدام إحنا كل واحد يعني في الغالب
+
+221
+00:23:13,630 --> 00:23:19,930
+ليس كفئا ليس أهلا ليه أن يجتهد؟ لأن المجتهد لابد
+
+222
+00:23:19,930 --> 00:23:26,710
+أن يكون واسع العلم و ليس يعني ضيقفلذلك ابتكروا شي
+
+223
+00:23:26,710 --> 00:23:31,270
+اسمه الاجتهاد الجماعي من خلال المجامع الفقهية من
+
+224
+00:23:31,270 --> 00:23:36,230
+خلال المؤتمرات العلمية التي تناقش فيها قضية من
+
+225
+00:23:36,230 --> 00:23:41,650
+القضايا أو عدة قضايا ثم يتوصلون بعد ذلك إلى أحكام
+
+226
+00:23:41,650 --> 00:23:46,070
+متعددة حقيقة مثل هذه الطريقة طريقة جيدة وجميلة
+
+227
+00:23:46,070 --> 00:23:50,410
+وتجعل الحكم الذي يتوصل إليه من خلال هذه المجامع أو
+
+228
+00:23:50,410 --> 00:23:54,000
+من خلال هذه الندوات أو المؤتمراتأقربوا إلى الصحة
+
+229
+00:23:54,000 --> 00:24:00,960
+لأنه نتاج وحصيلة ايه؟ وحصيلة أفكار متعددة، عقول
+
+230
+00:24:00,960 --> 00:24:06,640
+متعددة وليس عقل مشتهد أو عالم واحد فهذا يكونوا
+
+231
+00:24:06,640 --> 00:24:11,850
+أقربوا إلى الصواب فاطلع انت اهإذا أردت أو سئلت و
+
+232
+00:24:11,850 --> 00:24:17,270
+أردت أن تبين أو تتعرف على حكم متعلق بقضية جديدة
+
+233
+00:24:17,270 --> 00:24:24,510
+اطلع على ما توصلت إليه هذه المجامع عسى أن تجد فيها
+
+234
+00:24:24,510 --> 00:24:33,810
+حلا أو حكم أو حتى مساعدة بل أكثر من ذلك يمكنك أن
+
+235
+00:24:33,810 --> 00:24:39,610
+تطلع على الرسائل العلميةالطروحات اليوم احنا بنعرف
+
+236
+00:24:39,610 --> 00:24:44,690
+في نظام اليوم في نظام العصر يعني المتخصصين في كل
+
+237
+00:24:44,690 --> 00:24:48,810
+المجالات بيعملوا دراسات بعد ال bachelor's ماجستير
+
+238
+00:24:48,810 --> 00:24:56,000
+ودكتوراه ثم أبحاث ترقيات متعددةهذه حقيقة و كذلك في
+
+239
+00:24:56,000 --> 00:25:03,040
+المجال الشرعي الطالب الخريج من الماجستير لا يتخرج
+
+240
+00:25:03,040 --> 00:25:09,920
+إلا بتقديم رسالة أو بحث أو اطروحة يبحث القضية فيها
+
+241
+00:25:09,920 --> 00:25:15,780
+من كل جوانبها فيصبح أشبه ما يكون خبيرافي هذا
+
+242
+00:25:15,780 --> 00:25:22,180
+المجال فهذا يعمل مثلا يعمل في مسألة او فهذا يكتب
+
+243
+00:25:22,180 --> 00:25:26,760
+رسالة في إجهاض الجنين وهذا يكتب رسالة في المضاربة
+
+244
+00:25:26,760 --> 00:25:32,560
+وهذا يكتب رسالة في الشركات وهذا يكتب رسالة في بيوء
+
+245
+00:25:32,560 --> 00:25:38,680
+الغرر وهذا يكتب رسالة في يعني الزواج المعاصر من
+
+246
+00:25:38,680 --> 00:25:44,440
+زواج المسيار تجده كل واحد متخصص في مجالو تجده على
+
+247
+00:25:44,440 --> 00:25:50,320
+مدار عام او عامين وهو يطلع و يبحث و يفتش و يلملم
+
+248
+00:25:50,320 --> 00:25:59,600
+كل ما يتعلق بهذا الموضوع يعني من علوم او فيصبح
+
+249
+00:25:59,600 --> 00:26:04,080
+أشبه بالخبير فما توصل اليه أصحاب هذه الرسالة ينبغي
+
+250
+00:26:04,080 --> 00:26:08,700
+ألا يذهبها ذردوينبغي أن يتطلع عليه فإذا كتبت رسالة
+
+251
+00:26:08,700 --> 00:26:13,700
+في موضوع معين ثم سئلت أنا في موضوع أنا اتطلع أيضا
+
+252
+00:26:13,700 --> 00:26:18,480
+على ما توصل إليه هذا الباحث حتى وإن كان باحثا يعني
+
+253
+00:26:18,480 --> 00:26:24,000
+مبتدئا فإن الباحث وإن كان مبتدئا مدام قد اتطلع هذا
+
+254
+00:26:24,000 --> 00:26:29,240
+.. هذه .. هذا الاطلاع الواسع يصبحوا يعني .. يعني
+
+255
+00:26:29,240 --> 00:26:34,220
+ما توصل إليه أيضا أقرب إلى الصواب وأخيرا
+
+256
+00:26:36,610 --> 00:26:42,970
+إن لم يجد في كل ذلك يعني أولا دعني أقول بعد هذا
+
+257
+00:26:42,970 --> 00:26:49,330
+الإطلاع على كل هذه المحطات يعني أولا يعني يجعل له
+
+258
+00:26:49,330 --> 00:26:54,830
+ملكة يستفيد هو بعد الإطلاع يستفيد وتصبح له تصورات
+
+259
+00:26:54,830 --> 00:27:00,610
+ومقارنات وتخريجات ويتعرف على القواعد العامة
+
+260
+00:27:00,610 --> 00:27:07,540
+والمقاصد والأسرارحتى وإن لم يجد بغيته الخاصة أو
+
+261
+00:27:07,540 --> 00:27:13,500
+الدقيقة لكنه بعد ذلك وإضافة إلى أنه في الأصل كما
+
+262
+00:27:13,500 --> 00:27:20,820
+قلنا متوفر فيه الشروط الآن يمكنه وبناء على .. برضه
+
+263
+00:27:20,820 --> 00:27:25,260
+وبناء على القواعد العامة في التشريع وفهمه المقاصد
+
+264
+00:27:25,260 --> 00:27:30,740
+والأسرار يمكنه الآن أن يجتهدشوفوا يعني فالمسألة مش
+
+265
+00:27:30,740 --> 00:27:35,660
+سهلة ومش يعني بتلاقي واحد حفظ لي حديث من هنا او
+
+266
+00:27:35,660 --> 00:27:39,600
+ايتين من هنا او جرى الكتاب من هنا بتلاقيه بيفت
+
+267
+00:27:39,600 --> 00:27:44,760
+وبيحكم وبيحلل وبيحرم على كيفه وهو يعني لا يعرف
+
+268
+00:27:44,760 --> 00:27:49,160
+ربما التعارضات ولا الترجحات ولا الناسخ ولا المنسوخ
+
+269
+00:27:49,160 --> 00:27:53,100
+ولا العام ولا الخاص ولا المقيد ولا المطلق والامر
+
+270
+00:27:53,100 --> 00:27:58,810
+يا اخوة يحتاجوا الىيعني مزيد من العلم والاطلاع ثم
+
+271
+00:27:58,810 --> 00:28:05,550
+إن الأمر جلل فإن هذا الحكم أولا و آخرا هو حكم الله
+
+272
+00:28:05,550 --> 00:28:11,800
+وما المجتهد إلا كاشفعن هذا الحكم من خلال إجتهاده
+
+273
+00:28:11,800 --> 00:28:19,180
+وبحثه وليس هو منشئ كما يقولون للحكم وإنما هو كاشف
+
+274
+00:28:19,180 --> 00:28:23,300
+من خلال اطلاعه يعني هو مش بشطارة وصل إلى الحكم هو
+
+275
+00:28:23,300 --> 00:28:27,160
+من خلال القواعد التي أرسالها لنا ربنا سبحانه
+
+276
+00:28:27,160 --> 00:28:33,750
+وتعالى وبيّنها لنا نبينا صلى الله عليه وسلمهذا
+
+277
+00:28:33,750 --> 00:28:39,490
+بالنسبة أو هذا تمام الحديث عن المقدمة التي سبق
+
+278
+00:28:39,490 --> 00:28:48,010
+البدء فيها اختمها فقط بجزئية صغيرة وهي ان هناك صور
+
+279
+00:28:48,010 --> 00:28:54,690
+من الاجتهاد تسمى صور اجتهاد محرمةصور من الاجتهاد
+
+280
+00:28:54,690 --> 00:29:03,690
+لا يجوز يعني حتى من توفرت فيه كل هذه المؤهلات
+
+281
+00:29:03,690 --> 00:29:11,050
+وقام بكل هذه الخطوات لكن ينبغي أن يحضر من صور
+
+282
+00:29:11,050 --> 00:29:17,790
+للاجتهاد دي لا يجوز له ان يجتهد فيها بحال من
+
+283
+00:29:17,790 --> 00:29:21,990
+الأحواليمكن من خلال حديثنا، احنا أشارنا إلى بعضها،
+
+284
+00:29:21,990 --> 00:29:28,110
+لكن أنا هنا أحب أن أحصرها. أولا، أن يجتهد إذا وجد
+
+285
+00:29:28,110 --> 00:29:33,710
+.. إذا وجد المسألة التي يريد البحث عنها حكمها
+
+286
+00:29:33,710 --> 00:29:36,950
+موجود في كتاب الله .. في سنة رسول الله، هل يجوز له
+
+287
+00:29:36,950 --> 00:29:42,890
+أن يجتهد؟ لاوكما قلت قبل قليل هذا افتيات، هذا
+
+288
+00:29:42,890 --> 00:29:49,970
+تكبر، هذا تجاوز، هذا ليس فيه تسليم، يعني لا يقبل،
+
+289
+00:29:49,970 --> 00:29:56,170
+يحرم، يحرم الاجتهاد مع وجود نص يبين الحكم، لا
+
+290
+00:29:56,170 --> 00:30:00,130
+اجتهادة مع النص طبعا إذا كان النص واضحا في تجليته
+
+291
+00:30:00,460 --> 00:30:06,740
+الحكم و قاطعا في الدلالة عليه كذلك يحرموا الاجتهاد
+
+292
+00:30:06,740 --> 00:30:13,300
+في حالة معرفة ما إذا كان هناك إجماع على القضية انت
+
+293
+00:30:13,300 --> 00:30:19,640
+فتشت فلجيت المسألة مسألة مختلفة فيها المسألة يعني
+
+294
+00:30:19,640 --> 00:30:26,410
+دعني أقول قابلة لاجتهاد لكنوجدت للعلماء أقوال
+
+295
+00:30:26,410 --> 00:30:34,010
+ووجدتهم متفقين على ذلك مجتمعين على حكم معين في هذه
+
+296
+00:30:34,010 --> 00:30:38,770
+الحالة مدام يا أخوة العلماء في أي عصر من الغصور
+
+297
+00:30:38,770 --> 00:30:44,890
+اجتمعوا على حكم على قضية من القضايا فلا تجوزوا بعد
+
+298
+00:30:44,890 --> 00:30:51,510
+ذلك مخالفتها لا تجوزوا خلاص لا تجتمعوا أمتي على
+
+299
+00:30:51,510 --> 00:30:58,230
+ضلالة أو على باطلومن يشاقق الله ويتبع غير سبيل
+
+300
+00:30:58,230 --> 00:31:03,570
+المؤمنين نوليه ما تولى سبيل المؤمنين على رأسهم
+
+301
+00:31:03,570 --> 00:31:09,830
+العلماء إذا اجتمعوا على كلمة فلا يجوز أن ننزعهم أو
+
+302
+00:31:09,830 --> 00:31:16,600
+نشاققهم أو نخالفهميعني فيها كذلك يحرموا طبعا بديهي
+
+303
+00:31:16,600 --> 00:31:21,880
+أنه يحرموا إجتهاده إذا صدر من غير أهله من غير من
+
+304
+00:31:21,880 --> 00:31:29,820
+توفرت فيه شروط الإجتهاد مش بس يعني أنه مابصحلوش أو
+
+305
+00:31:29,820 --> 00:31:36,360
+يكرهوا لأ بل يحرموا عليه لأنه يعني ليس أهلا لذلك و
+
+306
+00:31:36,360 --> 00:31:43,230
+لأنه سيتخططفي ذلك في أمر لا يجوز له أن يفعله ثم
+
+307
+00:31:43,230 --> 00:31:51,530
+الصورة الرابعة أن لا يكون اجتهاده بقصدي التشهي أو
+
+308
+00:31:51,530 --> 00:31:59,090
+بحسبي الهواء ربما شخص يملك آلة الاجتهادولديه من
+
+309
+00:31:59,090 --> 00:32:06,650
+العلم لكنه في نفس الوقت لا يعني يتخذوا من .. من
+
+310
+00:32:06,650 --> 00:32:12,210
+علمه أساسا للاجتهاب بل يجتهدوا وفق التشهي وفق
+
+311
+00:32:12,210 --> 00:32:18,130
+الأهواء وفق طلب السلطان ووفق مصلحته الخاصة فكل هذا
+
+312
+00:32:18,130 --> 00:32:23,050
+لا يجوز أو من أجل الشهرة أو التعالي أو إلى غير ذلك
+
+313
+00:32:24,860 --> 00:32:30,920
+لننتقل اليوم ان شاء الله او الآن للحديث عن اول
+
+314
+00:32:30,920 --> 00:32:42,890
+موضوع او اول قضية من القضاياالمستجدة من القضايا
+
+315
+00:32:42,890 --> 00:32:49,370
+المالية المستجدة في عصرنا وهي الحقوق المعنوية
+
+316
+00:32:49,370 --> 00:32:54,970
+الحقوق المعنوية احنا يا اخوة يمكن احنا
+
+317
+00:32:58,090 --> 00:33:04,030
+بنعرف أن الحقوق يعني أول ما يتبادر إلى الذهن أن
+
+318
+00:33:04,030 --> 00:33:11,410
+الحقوق مادية الحقوق مادية المال حق عينية منافع إلى
+
+319
+00:33:11,410 --> 00:33:17,310
+غير ذلك أما أن تكون الحقوق معنوية فهذا وإن كان وإن
+
+320
+00:33:17,310 --> 00:33:24,150
+كان يعني ربما معروفا لكن أن احنا اللي بهمنا هنا في
+
+321
+00:33:24,150 --> 00:33:36,410
+الحقوق المعنويةأنه هل يجوز أخذ عائد مالي عن الحقوق
+
+322
+00:33:36,410 --> 00:33:44,810
+المعنوية هذا الذي يعني يعتبر جديدا في قضايا الحقوق
+
+323
+00:33:44,810 --> 00:33:48,910
+هل يجوز وهذا الذي جعلها من القضايا المالية هل يجوز
+
+324
+00:33:48,910 --> 00:33:56,330
+تعويض الحق المعنوي بالمالسنرى ذلك لكن احنا مسألة
+
+325
+00:33:56,330 --> 00:34:01,250
+الحقوق المعنوية او حقوق الابتكار وهل يجوز اخذ عائد
+
+326
+00:34:01,250 --> 00:34:07,450
+مالي عنها او لا يجوز سنرجعه قليلا إلى ان او و إلى
+
+327
+00:34:07,450 --> 00:34:16,450
+ان نتحدث او حتى نتحدث اولا عن معرفة حقيقة الحقولغة
+
+328
+00:34:16,450 --> 00:34:22,010
+وعند الفقهاء القدامى منهم والمعاصرين وما هي
+
+329
+00:34:22,010 --> 00:34:27,010
+استعمالاتهم وما هي تقسيماتهم للحقوق لنصل بعد ذلك
+
+330
+00:34:27,010 --> 00:34:33,590
+الى الحقوق المعنوية لأنها هي يعني نريد أن نعرف
+
+331
+00:34:33,590 --> 00:34:39,430
+موقع الحقوق المعنوية من بين سائر الحقوق لنبدأ
+
+332
+00:34:39,430 --> 00:34:41,330
+الحديثة فيها
+
+333
+00:34:46,740 --> 00:34:51,560
+الحق أيها الإخوة يعني في اللغة ضد الباطل كما
+
+334
+00:34:51,560 --> 00:34:58,240
+يقولون وكلنا يعرفوا هذا نحن عرب والحمد لله ونعرفوا
+
+335
+00:34:58,240 --> 00:35:04,520
+لغتنا ونعرفوا أن الحق ضد الباطل ومن معاني الحق
+
+336
+00:35:04,520 --> 00:35:12,420
+اللغوية كذلك الثبوت الحق هو يعني حق الشيء أي ثبتة
+
+337
+00:35:12,420 --> 00:35:18,820
+أو وجبةو يحق
+
+338
+00:35:18,820 --> 00:35:27,660
+الله الحق و يبطل الباطل و يثبت يعني فالحق هو الشيء
+
+339
+00:35:27,660 --> 00:35:39,970
+الثابت او الواجبفهذا من معاني الحق في اللغة أما في
+
+340
+00:35:39,970 --> 00:35:47,050
+الإصطلاح الفقهي فربما تعدت تعريفات للحق عند
+
+341
+00:35:47,050 --> 00:35:51,610
+الفقهاء القدامى وعند المؤاصرين لكن أمانة للحق أقول
+
+342
+00:35:51,610 --> 00:36:00,650
+أنه ندرت وقلت تعريفات الحق عند الفقهاء القدامىيعني
+
+343
+00:36:00,650 --> 00:36:07,810
+من خلال استقراء كتب العلماء القدامى لم نجد تعريفات
+
+344
+00:36:07,810 --> 00:36:16,570
+مشهورة أو كثيرة وشائعة للحق ولعل العلة في ذلك أن
+
+345
+00:36:16,570 --> 00:36:21,630
+كلمة الحق معروفة معناها خلاص معناش عايزة تعريف مش
+
+346
+00:36:21,630 --> 00:36:22,630
+مصطلح غريب
+
+347
+00:36:26,040 --> 00:36:32,140
+ولذلك يعني ربما نقوا بأنفسهم عن تعريفها الحق شيء
+
+348
+00:36:32,140 --> 00:36:37,880
+معروف وربما استخدموها بنفس المعنى اللغوي المعروف
+
+349
+00:36:37,880 --> 00:36:43,580
+لديهم ومع ذلك فقد وجدت بعض التعريفات بعض التعريفات
+
+350
+00:36:43,580 --> 00:36:50,010
+التي ذكرها القدامىيعني و هي تعريفات في الجملة
+
+351
+00:36:50,010 --> 00:36:55,190
+مجملة تعريفات القدامى حتى لما تحدثوا او لما تحدث
+
+352
+00:36:55,190 --> 00:37:02,500
+بعضهم عن الحقي تحدث بنوعين من الإجمالفهذا مثلا
+
+353
+00:37:02,500 --> 00:37:06,880
+فهذا عالم من العلماء القدامى يعرف الحق بأنه ما
+
+354
+00:37:06,880 --> 00:37:13,680
+يستحقه الراجل يعني لم يأتي بتفصيل تعريف أيه؟ في
+
+355
+00:37:13,680 --> 00:37:20,980
+غموض ربما في إجماليعني وفق التعريفات الصحيحة لأن
+
+356
+00:37:20,980 --> 00:37:24,380
+التعريفات يا إخوة عند العلماء لها أصول يعني من
+
+357
+00:37:24,380 --> 00:37:29,820
+الأصول التي ينبغي أن تتبع في التعريفات اللي يعرفها
+
+358
+00:37:29,820 --> 00:37:36,460
+الشيء بنفسه لما تقول يا الحق ما يستحقه الله هذا مش
+
+359
+00:37:36,460 --> 00:37:42,240
+تعريف لأن التعريف يقتضت البيان والتفسير وفي الحالة
+
+360
+00:37:42,240 --> 00:37:49,020
+هذه يسمى دور تكرار يعنيدور ولذلك يعني ان الحق
+
+361
+00:37:49,020 --> 00:37:55,460
+مايستحقه اش يعني ماجيبتش اش جديد ففيه غمض في نوع
+
+362
+00:37:55,460 --> 00:38:04,240
+اجمال منهم منعرفوا بأنه الشيء الموجود من كل وجه
+
+363
+00:38:04,240 --> 00:38:08,480
+ولا ريبة فيه وهذا تعريف اقرب للمعنى اللغوي الشيء
+
+364
+00:38:08,480 --> 00:38:12,800
+الموجود او الثابت برضه لحظوا يعني تعريفات الحق
+
+365
+00:38:12,800 --> 00:38:20,020
+عندهم لم تكن فيهاتفاصيلات أو توضيحات بل هي أقرب
+
+366
+00:38:20,020 --> 00:38:26,080
+إلى المعنى اللغوي وكما قلت لعل السر في ذلك هو عدم
+
+367
+00:38:26,080 --> 00:38:31,760
+حاجتهم إلى ذلك وفهمهم لهذا المعنى ومنهم منعرفه
+
+368
+00:38:31,760 --> 00:38:39,380
+بأنه اختصاص حاجز اختصاص حاجز وهذا التعريف حقيقة
+
+369
+00:38:39,380 --> 00:38:46,540
+رغم اختصاره الشديد الا انه فيه دلالة جديدةفيه نوع
+
+370
+00:38:46,540 --> 00:38:56,280
+دلالة اختصاص يعني تفيد ثبوت شيء واختصاص شخص به دون
+
+371
+00:38:56,280 --> 00:39:04,040
+غيره من عامة الناس وربما هذا ما يميزه الحقحقيقة،
+
+372
+00:39:04,040 --> 00:39:07,940
+مدام هذا الحق إلي، خلاص، إذا هذا لا يجوز أن
+
+373
+00:39:07,940 --> 00:39:11,220
+يشاركني فيه أحد، إلا .. هذا اختصاص، هذا من
+
+374
+00:39:11,220 --> 00:39:17,700
+خصوصياتي، إلا برضاي أو إلا بعقد يقتضي نقل هذا الحق
+
+375
+00:39:18,140 --> 00:39:24,440
+بيعًا، شراءًا، هبةً أو إلى غير ذلك فالحق كأنه وفق
+
+376
+00:39:24,440 --> 00:39:31,540
+هذا التعريف يعني رابطة تربط بين الشخص وبين شيء
+
+377
+00:39:31,540 --> 00:39:37,280
+معين بين الشخص وبين شيء معين تصبح الألاقات بينهما
+
+378
+00:39:37,280 --> 00:39:42,480
+خلاص يعني هذا السيارة لفلان كلما رأيت السيارة
+
+379
+00:39:42,480 --> 00:39:48,560
+تتذكر فلانصح؟ كلما رأيت فلان تعرفوا أن دي .. يعني
+
+380
+00:39:48,560 --> 00:39:54,160
+على طول في ارتباط، ارتباط يعني دعني أسميه يعني
+
+381
+00:39:54,160 --> 00:40:00,580
+ارتباط معنوي، ارتباط كذا بين الحق .. بين الشيء
+
+382
+00:40:00,580 --> 00:40:06,570
+وبين صاحبه، هذا ما يُعرف بالحقهذا .. هذه .. هذا
+
+383
+00:40:06,570 --> 00:40:12,130
+البيت على طول بيت فلان خلاص ارتبط .. ارتبط بيه هذا
+
+384
+00:40:12,130 --> 00:40:15,910
+اللبس .. هذا .. هذه الجامعة .. الجامعة الإسلامية
+
+385
+00:40:15,910 --> 00:40:19,010
+لا يجوز لأي جامعة .. بنفع أي جامعة يقولوا اه
+
+386
+00:40:19,010 --> 00:40:21,750
+والجامعات ما هي احنا كلنا ولاد الشعب الفلسطيني
+
+387
+00:40:21,750 --> 00:40:24,850
+الجامعة الفلانية تجيب ولادها وتعلمهم في الجامعة
+
+388
+00:40:24,850 --> 00:40:29,810
+الإسلامية او العكس لأ في ارتباط خاص على كل الأحوال
+
+389
+00:40:31,040 --> 00:40:36,280
+هذه بعض التعريفات للقدامة اما تعريفات المؤاصرين
+
+390
+00:40:36,280 --> 00:40:40,020
+تعريفات المؤاصرين من الفقهاء المؤاصرين للحق كان
+
+391
+00:40:40,020 --> 00:40:46,540
+فيها شوية توضيح و تفصيل يعني ايضا انا على وجه
+
+392
+00:40:46,540 --> 00:40:50,780
+الإيجاز احاول اختصر لان مش هذا بالضبط هو مضمون او
+
+393
+00:40:50,780 --> 00:40:59,460
+هو موضوعنا فمن هذه التعريفات للحق عند المؤاصرين
+
+394
+00:40:59,460 --> 00:41:08,920
+اولاأنه أي الحق مصلحة ثابتة للفرد اه انتبهوا مصلحة
+
+395
+00:41:08,920 --> 00:41:16,740
+ثابتة للفرد او المجتمع او لهما معا يقررها الشارع
+
+396
+00:41:16,740 --> 00:41:23,940
+الحكيم وهنا وقفات عند التعريف اولا
+
+397
+00:41:25,040 --> 00:41:31,340
+تلاحظون أن هذا التعريف لم يعرف الحق بمضمونه
+
+398
+00:41:31,340 --> 00:41:38,140
+وحقيقته وإنما عرف الحق بغايته
+
+399
+00:41:39,900 --> 00:41:43,660
+المتمثلة الغاية من ثبوت الحق أيها الإخوة تحقيق
+
+400
+00:41:43,660 --> 00:41:47,540
+مصلحة يعني عندما واحد يعتدي على حق الآخر تضيع
+
+401
+00:41:47,540 --> 00:41:51,600
+مصلحة وعندما يثبت هذا الحق تتحقق مصلحة فهو على طول
+
+402
+00:41:51,600 --> 00:41:56,740
+ايش قال الحق باعتبار ما يترتب على ثبوت الحق للشخص
+
+403
+00:41:56,740 --> 00:42:03,470
+تثبت لو فيه مصلحةكون الحق يثبت لشخص معنى ذلك تثبت
+
+404
+00:42:03,470 --> 00:42:08,030
+له مصلحة معينة بحيث يستطيع أن يستعمله ويستطيع أن
+
+405
+00:42:08,030 --> 00:42:15,050
+يتصرف فيه إذا هو صاحب مصلحة في ذلك ومن هنا هو كان
+
+406
+00:42:15,050 --> 00:42:20,670
+هدى التعريف ولذلك لاحظوا أول كلمة قال مصلحة عرف
+
+407
+00:42:20,670 --> 00:42:25,630
+الحق بأنه مصلحة والحقيقة ليس كذلك المصلحة غير
+
+408
+00:42:25,630 --> 00:42:33,630
+والحق غيرالحق شيء عيني أو معنوي قد تتحقق منه مصلحة
+
+409
+00:42:33,630 --> 00:42:36,910
+و قد لا تتحقق أحيانا يا أخوة أصحاب الحقوق لا
+
+410
+00:42:36,910 --> 00:42:42,370
+يحسنون التصرف في ما يمتلكون وتنقلب عليهم لكن
+
+411
+00:42:42,370 --> 00:42:47,790
+باعتبار هو نظر باعتبار الأغلب وباعتبار أن الحقوق
+
+412
+00:42:47,790 --> 00:42:54,450
+تنتج عنها المصالح فعرف الحق بغايته أو بمقصوده وهي
+
+413
+00:42:54,450 --> 00:43:03,200
+المصلحة فقال الحق مصلحةثابتة للفرد أو المجتمع طبعا
+
+414
+00:43:03,200 --> 00:43:09,780
+وهذا إشارة إلى تنوع الحقوق فهناك حقوق فردية هناك
+
+415
+00:43:09,780 --> 00:43:14,160
+حقوق جماعية هناك حقوق تثبت للشخص يعني كفرد وهناك
+
+416
+00:43:14,160 --> 00:43:19,480
+حقوق للمجتمع للدولة للحكومة للجماعة مش يعني وهذا
+
+417
+00:43:19,480 --> 00:43:26,980
+إشارة جيدة حقيقة وهنا إشارة الإشارة الجديدة هو أن
+
+418
+00:43:28,080 --> 00:43:41,040
+هذا التعريف يفيد أن الحق هو ما يقرره الشرع وليس
+
+419
+00:43:41,040 --> 00:43:50,500
+الحق ما يدعيه الشخص لنفسهأو ما يثبته الواحد لغيره
+
+420
+00:43:50,500 --> 00:43:55,980
+الحق لا يثبت للناس أو للأشخاص أو للأفراد أو
+
+421
+00:43:55,980 --> 00:44:02,000
+الهيئات إلا وفق ما قرره الشرع أو إلا وفق ما قرره
+
+422
+00:44:02,000 --> 00:44:07,900
+الحق سبحانه وتعالىإذا مش كل واحد زي ما بيقولوا
+
+423
+00:44:07,900 --> 00:44:12,500
+يقبل ويجسم الحقوق على كيفه أو يقول هذا حقي وهذا
+
+424
+00:44:12,500 --> 00:44:20,440
+حقك، لأ الحق هو الذي يبينه الشارع ويقرره الشرقوهذا
+
+425
+00:44:20,440 --> 00:44:24,500
+شيء جميل حتى لا يختلف الناس معايير الحق يا إخوة
+
+426
+00:44:24,500 --> 00:44:31,460
+أنتم تراهم وتسمعون وتعيشون يعني المعايير متعددة
+
+427
+00:44:31,460 --> 00:44:39,620
+والمكايي المتعددة وكل يدعي وصلا بليلة وليلة لا
+
+428
+00:44:39,620 --> 00:44:44,860
+تموت لهم بوصلي فالكل بيقول أنا على حق ولو ترك
+
+429
+00:44:44,860 --> 00:44:53,800
+الناسلادعاءاتهم يعني لما ثبت حق لأحد اذا لابد من
+
+430
+00:44:53,800 --> 00:45:00,460
+جهة عليا هي اللتي تقرر الحقوق وتعطيها لمن
+
+431
+00:45:00,460 --> 00:45:05,080
+يستحقونها اما ان يداي كل شخص ومن هنا كانت هذه
+
+432
+00:45:05,080 --> 00:45:10,300
+اشارة مهمة ربما لم يتطرق اليها الفقاع القدامى رغم
+
+433
+00:45:10,300 --> 00:45:19,270
+ايه رغم معرفتهم بها اذا الحقمصلحة ثابتة للفرد أو
+
+434
+00:45:19,270 --> 00:45:24,870
+المجتمع أو لهما معاً يقررها الشارع الحكيم تعريف
+
+435
+00:45:24,870 --> 00:45:34,090
+آخر في ذلك وهو أنه أي الحق
+
+436
+00:45:34,090 --> 00:45:40,630
+هو اختصاص يقرر به الشارع أو الشرّق سلطة أو تكليفة
+
+437
+00:45:41,600 --> 00:45:46,220
+اختصاصهم هنا هذا التعريف ربما أكتر دقة لأن ذاك
+
+438
+00:45:46,220 --> 00:45:49,580
+التعريف الأول تعريف بالمصلحة والحقيقة الأصل في
+
+439
+00:45:49,580 --> 00:45:53,440
+التعريفات أنها تكون تعريف للحقيقة والمضمون وليس
+
+440
+00:45:53,440 --> 00:45:58,940
+تعريف للغاية أو بالغاية ولذلك كأنه التعريف الثاني
+
+441
+00:45:58,940 --> 00:46:03,940
+كان أكتر دقة وأكتر استدراكا على الخطأ أو النقص أو
+
+442
+00:46:03,940 --> 00:46:11,190
+الخلل اللي في التعريف الأول فعرفه بأنه إيهبأنه
+
+443
+00:46:11,190 --> 00:46:16,170
+اختصاص اختصاص شفتوا احنا لما القدرة ما جاله اختصاص
+
+444
+00:46:16,170 --> 00:46:20,950
+وقفنا وقولنا هذا جميل لأنه لما نقول اختصاص يؤكدوا
+
+445
+00:46:20,950 --> 00:46:26,830
+ثبوت الحق لأنه اهم ميزة من ميزة الحق انه اختصاص
+
+446
+00:46:26,830 --> 00:46:33,150
+اهم ما يميز الحق انه اختصاص يختص به الشخص او الفرد
+
+447
+00:46:33,150 --> 00:46:39,310
+او صاحب الحق عن غيره وإن لم يكن هناك اختصاص فأي حق
+
+448
+00:46:39,310 --> 00:46:45,540
+من هذاإذن لابد أن تكون صفة الحق أنه فيه اختصاص
+
+449
+00:46:45,540 --> 00:46:51,060
+اختصاص يقرر برضه هنا أراد أن يؤكد أن هذه الحقوق
+
+450
+00:46:51,060 --> 00:46:55,040
+التي يختص بها هذا الفرد أو ذات هذه الجماعة أو تلك
+
+451
+00:46:55,040 --> 00:47:03,580
+هذا المجتمع أو كذا إنما يتقرر بقرار الشارع الحكيم
+
+452
+00:47:03,580 --> 00:47:09,980
+وليس بقرار صاحب أو من يدعي الحقولا داعي لتكرار ما
+
+453
+00:47:09,980 --> 00:47:17,340
+سبق ذكره في المرة السابقة لكن يعني لابد من الإشارة
+
+454
+00:47:17,340 --> 00:47:26,480
+هنا أنه بقوله سلطة أو تكليفة أشار لنا إلى أن ثمة
+
+455
+00:47:26,480 --> 00:47:34,430
+حقوق تثبت للعبد أو للفردوحقوق تثبت لله سبحانه
+
+456
+00:47:34,430 --> 00:47:40,090
+وتعالى فإنه عندما يتقرر تكليف واحد يقول هل التكليف
+
+457
+00:47:40,090 --> 00:47:46,350
+حق؟ حق لأ لله وليس لك فكأن هنا إشارة يا جماعة يا
+
+458
+00:47:46,350 --> 00:47:52,110
+ناس ماتنسوش إن في حقوق كما أن لكم حقوقا فإن لله
+
+459
+00:47:52,110 --> 00:47:58,570
+عليكم حقوقا اللي صارت بالنسبة لك واجبات عليكم حقوق
+
+460
+00:47:58,570 --> 00:48:04,250
+للهفولذلك في تقسيمات .. عندما نتحدث عن التقسيمات
+
+461
+00:48:04,250 --> 00:48:11,330
+التقسيمات الرئيسية للفقهاء للحقوق تقسيم .. تقسيم
+
+462
+00:48:11,330 --> 00:48:16,090
+حقوق الله وحقوق العبد بينما القانونيين لا يرتفعوا
+
+463
+00:48:16,090 --> 00:48:23,910
+إلى ذلك كثيرا لكن تقسيمات الشرعيين للحقوق حقوق لله
+
+464
+00:48:23,910 --> 00:48:34,010
+حقوق للعبدوكل له مفهومه وله موابطه وله خصائصه بغض
+
+465
+00:48:34,010 --> 00:48:38,770
+النظر لكن هذا التعريف من ميزاته أنه أشعر إلى هذه
+
+466
+00:48:38,770 --> 00:48:43,270
+النقمة التعريف الآخر أو الثالث والأخير أنه اختصاص
+
+467
+00:48:44,200 --> 00:48:50,520
+برضه يقر بيه الشرع سلطة على شيء او اقتضاء او
+
+468
+00:48:50,520 --> 00:48:58,160
+اقتضاء ده من اخر تحقيقا لمصلحة معينة وهذا التعريف
+
+469
+00:48:58,160 --> 00:49:05,660
+ربما فيه يعني تفصيل اكثر وفيه شمولية اكثر حيث
+
+470
+00:49:05,660 --> 00:49:12,030
+اشارت الى تعريف الحق بمضمونه وبيانللغاية في نفس
+
+471
+00:49:12,030 --> 00:49:18,830
+الوقت التي يتترتب عليها الحقوق بيّن تعريف الحق
+
+472
+00:49:18,830 --> 00:49:26,990
+بمضمونه عندما كان اختصاصبين من هو صاحب الذي يقرر
+
+473
+00:49:26,990 --> 00:49:32,530
+الحقوق وهو رب العالمين أو الشارع الحكيم بينا أن
+
+474
+00:49:32,530 --> 00:49:38,210
+الهدف أو بينا الغاية من الحقوق وهي تحقيق المصالح
+
+475
+00:49:38,210 --> 00:49:43,690
+لصاحبي هذا الحق
+
+476
+00:49:43,690 --> 00:49:47,910
+وبذلك نستطيع أن نقول أن هذا التعريف يعني فيه من
+
+477
+00:49:47,910 --> 00:49:53,180
+الشمولية ولعله يكون التعريفالأولى اعتباره إذا ما
+
+478
+00:49:53,180 --> 00:49:57,940
+طلب مننا تعريف أو إذا ما عرضنا أن نعرف الحق، نكتفي
+
+479
+00:49:57,940 --> 00:49:59,100
+بذلك وشكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/CNMimwDCu8w_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/CNMimwDCu8w_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..fd90cbbfd93c24705b77dd7595ce785222898335
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/CNMimwDCu8w_postprocess.srt
@@ -0,0 +1,1800 @@
+1
+00:00:22,220 --> 00:00:24,540
+أعوذ بالله من الشيطان الرجيم بسم الله الرحمن
+
+2
+00:00:24,540 --> 00:00:28,660
+الرحيم الحمد لله و الصلاة والسلام على رسول الله
+
+3
+00:00:28,660 --> 00:00:33,700
+وعلى آله وصحبه ومن اهتدى بهده واستنى بسنته إلى يوم
+
+4
+00:00:33,700 --> 00:00:37,600
+الدين و بعد اليوم
+
+5
+00:00:37,600 --> 00:00:46,770
+ان شاء اللهنتحدث عن معاملة أخرى جديدة معاصرة من
+
+6
+00:00:46,770 --> 00:00:53,850
+المعاملات المالية التي تتعامل بها البنوك الإسلامية
+
+7
+00:00:53,850 --> 00:00:59,130
+الحديثة وكنا
+
+8
+00:00:59,130 --> 00:01:05,430
+في محاضرات سابقة قد تحدثنا عن العديد من المعاملات
+
+9
+00:01:05,430 --> 00:01:12,620
+بدءا من المرابحة المصرفيةمرورا بالإيجارة المنتهية
+
+10
+00:01:12,620 --> 00:01:19,540
+بالتمليك ثم المشاركة المنتهية بالتمليك وتحدثنا عن
+
+11
+00:01:19,540 --> 00:01:28,060
+كل هذه المعاملات بشيء من التفصيل وبالصورة التي تتم
+
+12
+00:01:28,060 --> 00:01:31,220
+ويتم
+
+13
+00:01:31,220 --> 00:01:36,240
+التعاقد عليها بين البنك والمستثمرين وبيننا الحكم
+
+14
+00:01:36,240 --> 00:01:44,800
+الشرعي في كل ذلكولكن المعاملات التي يقوم بها البنك
+
+15
+00:01:44,800 --> 00:01:48,800
+الإسلامي لا تتوقف عند هذه المعاملات التي تحدثنا
+
+16
+00:01:48,800 --> 00:01:55,580
+فيها بل يعني في كل يوم ربما نرى معاملة جديدة
+
+17
+00:01:58,100 --> 00:02:04,720
+فدائما الطموح في استحداث معاملات جديدة لا تتناقض
+
+18
+00:02:04,720 --> 00:02:09,100
+مع الشريعة الإسلامية وفي نفس الوقت توسأ دائرة
+
+19
+00:02:09,100 --> 00:02:16,900
+التمويل والاستثمار وتجذب الزبون وتحقق الطموح من
+
+20
+00:02:16,900 --> 00:02:22,560
+هذه المعاملات الجديدة كذلك ما يسمى بالمضاربة
+
+21
+00:02:22,560 --> 00:02:23,740
+المشتركة
+
+22
+00:02:27,100 --> 00:02:36,940
+وكأني بتساؤل سريع يدور في خلد كل واحد منكم أليست
+
+23
+00:02:36,940 --> 00:02:43,960
+المضاربة معروفة في الفقه الإسلامي وعند المسلمين
+
+24
+00:02:43,960 --> 00:02:49,500
+وأحكامها منثورة
+
+25
+00:02:50,450 --> 00:02:56,030
+في كتب الفقه مفصلة بدء بالتعريف مرورا بالحكم
+
+26
+00:02:56,030 --> 00:03:05,370
+والأنواع والشروط وكل شيء أقول صحيح ولكن هذه
+
+27
+00:03:05,370 --> 00:03:13,730
+المضاربة المشتركة و هنا أيضا سؤال آخر أليست
+
+28
+00:03:13,730 --> 00:03:16,470
+المضاربة التي
+
+29
+00:03:18,600 --> 00:03:25,620
+نجدها في كتب الفقه هي مضاربة مشتركة بين اثنين، بين
+
+30
+00:03:25,620 --> 00:03:33,800
+صاحب مال وبين صاحب خبرة وعمل وجهد، هذا يقدم ماله،
+
+31
+00:03:33,800 --> 00:03:40,440
+وهذا يقدم جهده وخبرته، فهي مضاربة مشتركةإذا أين
+
+32
+00:03:40,440 --> 00:03:47,020
+الجد هنا؟ أنت تقول يا أستاذ لدينا معاملة جديدة،
+
+33
+00:03:47,020 --> 00:03:54,640
+والمعاملة الجديدة لها اسم جديد كذلك، من يفسر لي
+
+34
+00:03:54,640 --> 00:03:57,720
+ذلك؟
+
+35
+00:03:57,720 --> 00:04:00,800
+احنا بنقول المضارب المشترك معاملة جديدة
+
+36
+00:04:12,040 --> 00:04:17,560
+يعني احنا بنقول جديدة، لكن احنا عمال بدءا من
+
+37
+00:04:17,560 --> 00:04:20,420
+الخطوة الأولى من حيث التسمية نسميها المضاربة
+
+38
+00:04:20,420 --> 00:04:23,800
+المشتركة، أين الجديد في الإسم؟ أين الجديد في
+
+39
+00:04:23,800 --> 00:04:27,760
+الإسم؟ مدامة المضاربة القديمة هي كذلك
+
+40
+00:04:31,250 --> 00:04:35,430
+على طرفين سابقا، اللي هو الصاحب بالمال والعامل أو
+
+41
+00:04:35,430 --> 00:04:39,330
+ال .. بجهده، لكن الجديد انه دخول المصرف الإسلامي
+
+42
+00:04:39,330 --> 00:04:44,850
+أو البنك الإسلامي على .. يعني جيد، لكن كنت أود أن
+
+43
+00:04:44,850 --> 00:04:49,930
+تكون الإجابة أكتر دقة من حيث مالها، يعني احنا
+
+44
+00:04:49,930 --> 00:04:54,370
+بنقول المضاربة القديمة هي بين أثنين صحيح، فهي
+
+45
+00:04:54,370 --> 00:05:02,940
+مشتركة، لكن شركة أثنائيةشركة ثلائية، لكن هنا
+
+46
+00:05:02,940 --> 00:05:09,480
+مضاربة مشتركة بكل ما تعنيه المشتركة من معنى، يعني
+
+47
+00:05:09,480 --> 00:05:16,580
+لا تقف عند اثنين وثلاثة واربع أو خمسة، بلتتعدد أو
+
+48
+00:05:16,580 --> 00:05:22,420
+لتعدد المشاركون سواء المشاركون في رأس المال أو
+
+49
+00:05:22,420 --> 00:05:29,660
+المشاركون في العمل والجهد فهي مشاركة متعددة لاتقف
+
+50
+00:05:29,660 --> 00:05:35,480
+عند اثنين لاتقف عند اثنين ومن هنا سميت بالمشتركة
+
+51
+00:05:35,480 --> 00:05:41,300
+التي تتسع لأفراد كثيرين ولكن بالفعل كما ذكر أخونا
+
+52
+00:05:41,300 --> 00:05:49,040
+المشاركة المضاربةالخديني المضاربة التي عرفها
+
+53
+00:05:49,040 --> 00:05:54,040
+فقهاؤنا وعرفها المسلمون وعرفها الناس واجمعهم في
+
+54
+00:05:54,040 --> 00:06:00,340
+تعاملاتهم هي مضاربة بين اثنين هذا كما قلنا يشارك
+
+55
+00:06:00,340 --> 00:06:05,860
+بماله وهذا يشارك بعمله ويتم الاتفاق بينهما على
+
+56
+00:06:05,860 --> 00:06:13,430
+الربحمناصفة أو بأي نسبة يتفقان عليها وليس تماما من
+
+57
+00:06:13,430 --> 00:06:21,190
+طرف ثالث ولا رابع ولا خامس لكن هنا لدينا صورة
+
+58
+00:06:21,190 --> 00:06:27,550
+جديدةجعلتنا نؤكد على التسمية أنها مشتركة بكل
+
+59
+00:06:27,550 --> 00:06:34,570
+دلالات ومعاني الاشتراك فثم تطرف ثالث وظيف جديد على
+
+60
+00:06:34,570 --> 00:06:43,870
+وهو ذلك البنك الذي يتوسط بين أصحاب الأموال وبين
+
+61
+00:06:43,870 --> 00:06:48,330
+أصحاب الخبرات والجهود هذا من جهة إذا زاد عنصرا
+
+62
+00:06:48,330 --> 00:06:54,610
+ثالثا ثم إن الأمر لا يتوقفعند هؤلاء الثلاثة كأفراد
+
+63
+00:06:54,610 --> 00:07:01,990
+فإن كل جهة من هذه الجهات خاصة جهتي أصحاب المال و
+
+64
+00:07:01,990 --> 00:07:08,200
+أصحاب العمل كل جهة منهم مجموعة من الأفراداصحاب
+
+65
+00:07:08,200 --> 00:07:13,980
+العمل قد يتعددوا هنا مصنع يعني البنك نفسه يتعامل
+
+66
+00:07:13,980 --> 00:07:19,220
+في المضاربة المشتركة مع مصنع هنا ومزرعة هناك
+
+67
+00:07:19,220 --> 00:07:26,980
+وتجارة ثالثة وخياطة رابعةبنفس المال الذي يأخذه
+
+68
+00:07:26,980 --> 00:07:34,300
+كذلك من محمد و أحمد و فتحي و حمدان و علي و .. إذا
+
+69
+00:07:34,300 --> 00:07:42,980
+أصبح هناك شركة خلط بين أموال أفراد تعود لأفراد
+
+70
+00:07:42,980 --> 00:07:53,690
+متعددين تستثمر جميعهافي مشاريع متعددة وليس مشروع
+
+71
+00:07:53,690 --> 00:08:00,790
+واحد لأصحاب مشاريع متعددة لأشخاص متعددين لأشخاص
+
+72
+00:08:00,790 --> 00:08:06,510
+متعددين كلهم يعملوا يعني بصفة مستقلة وفي نفس الوقت
+
+73
+00:08:06,510 --> 00:08:13,450
+هو مرتبط مع البنك مباشرة إذا المضاربة المشتركة
+
+74
+00:08:15,010 --> 00:08:20,270
+ولذلك تمييزا للمضاربة المشتركة عن المضاربة العادية
+
+75
+00:08:20,270 --> 00:08:27,650
+سميت المضاربة العادية بالمضاربة الفردية فرد لا فرد
+
+76
+00:08:27,650 --> 00:08:35,530
+أو كذلك سميت بالمضاربة الثنائية لا تزيدوا وهنا من
+
+77
+00:08:35,530 --> 00:08:40,150
+العجائب أن تكون فردية وثنائية بنفس المعنى
+
+78
+00:08:42,750 --> 00:08:48,070
+فردية و اثنائية تضاب و مع ذلك يدلنا على نفس الحالة
+
+79
+00:08:48,070 --> 00:08:52,870
+فردية تسمى هذه المضاربة العادية مضاربة فردية
+
+80
+00:08:52,870 --> 00:08:59,170
+باعتبار ان فردا يتعاقد مع فرد و اثنائية باعتبار ان
+
+81
+00:08:59,170 --> 00:09:06,090
+المتعاقدين اثنان ليس
+
+82
+00:09:06,090 --> 00:09:11,060
+اكترفهي تسمى فردية بهذا الاتبار واثنائية، لكن
+
+83
+00:09:11,060 --> 00:09:18,440
+المشتركة تزيد عن هذا، فهي أولا ثلاثة أطراف رئيسية،
+
+84
+00:09:18,440 --> 00:09:24,340
+كل طرف تتفرع عنه أفراد متعددين أو شخصيات متعددة
+
+85
+00:09:24,340 --> 00:09:29,900
+سواء لأصحاب المال أو لأصحاب العمللنعود يعني أحببت
+
+86
+00:09:29,900 --> 00:09:36,840
+في ال bed كالعادة أن أبدأ بهذه اللفتة توضيحا لنعود
+
+87
+00:09:36,840 --> 00:09:43,800
+إلى المضاربة والمضاربة المشتركة إذا المضاربة
+
+88
+00:09:43,800 --> 00:09:49,480
+المشتركة هي المعاملة الجديدة التي تتعامل معها
+
+89
+00:09:49,480 --> 00:09:57,790
+البنوك أو بها البنوكوواضحا من المصطلح أو من
+
+90
+00:09:57,790 --> 00:10:05,450
+التسمية أن المضاربة المشتركة يعني صورة متفرعة عن
+
+91
+00:10:05,450 --> 00:10:11,270
+المضاربة العادية عن المضاربة التي عرفها المسلمون
+
+92
+00:10:11,270 --> 00:10:18,770
+ووجدت أحكامها في كتب فقههموهذا طبعا كالعادة يقطبه
+
+93
+00:10:18,770 --> 00:10:25,130
+مننا أن نتعرف بشيء من الإيجاز عن أو على المضاربة
+
+94
+00:10:25,130 --> 00:10:29,070
+العادية التي سميناها قبل قليل بالمضاربة الفردية
+
+95
+00:10:29,070 --> 00:10:33,510
+ولم تكن معروفة هذه التسمية فردية وثنائية قديما
+
+96
+00:10:33,510 --> 00:10:41,220
+وإنما عرفت في هذا العصر تمييزا لها عنالمضاربة
+
+97
+00:10:41,220 --> 00:10:47,080
+المشتركة تمييزا لها لأن لا يقال هذه مشتركة كذلك
+
+98
+00:10:47,080 --> 00:10:52,580
+كما تسألت في البداية أولا فهذه فيها يعني نوع
+
+99
+00:10:52,580 --> 00:10:59,840
+اشتراكولكن فرق بين اشتراك يشترك فيه اثنين وشركة
+
+100
+00:10:59,840 --> 00:11:04,880
+يشترك فيها مالة حد ولا عدد لها من الأفراد هذه
+
+101
+00:11:04,880 --> 00:11:10,320
+الشركة الحقيقية يعني ولذلك في اللغة العربية في
+
+102
+00:11:10,320 --> 00:11:15,110
+المثنى وفي الجامعةوالفرق بين المثلثة لا يسمى
+
+103
+00:11:15,110 --> 00:11:21,530
+التثنية جامعا على الأقل على رأي من أرائي أهل اللغة
+
+104
+00:11:21,530 --> 00:11:28,270
+فهذه ليست مشتركة المضاربة العادية ثمائية أو فردية
+
+105
+00:11:28,270 --> 00:11:35,730
+حتى لكن الثانية مشتركة بتعدد الاعتراف إذا المضاربة
+
+106
+00:11:35,730 --> 00:11:41,300
+مشتركة فرض مضاربة العاديةفما هي حقيقة المضاربة
+
+107
+00:11:41,300 --> 00:11:50,560
+العادية؟ وما .. مدى مشروعيتها؟ وما هي يعني أنوعها
+
+108
+00:11:50,560 --> 00:11:57,360
+أيضا؟ أقول يا إخوة، بداية أن ربما نحن عندما تحدثنا
+
+109
+00:11:57,360 --> 00:12:03,640
+عن الشركات أشارنا إلى المضاربة باعتبارها أحد أنواع
+
+110
+00:12:04,430 --> 00:12:10,010
+الشركات المضاربة شركة المضاربة العادية واحد كذلك
+
+111
+00:12:10,010 --> 00:12:14,390
+المشتركة حتى المضاربة نوع من أنواع الشركات قلنا
+
+112
+00:12:14,390 --> 00:12:19,870
+بأن الشركات شركة عنان شركة أبان شركة وجوه شركة
+
+113
+00:12:19,870 --> 00:12:26,730
+مضاربة وإذا كانت معظم أنواع الشركات يشترك فيها
+
+114
+00:12:26,730 --> 00:12:31,390
+الشريكان بماليهما وجهديهما
+
+115
+00:12:33,210 --> 00:12:40,370
+فإن شركة المضاربة هي شركة بين طرفين يشارك أحدهما
+
+116
+00:12:40,370 --> 00:12:46,810
+بماله والثاني بجهده على أن يكون الربح مشترك بينهما
+
+117
+00:12:46,810 --> 00:12:58,570
+بحسب ما التفقاء والخسارة على رب المال. اذا نعم
+
+118
+00:13:02,240 --> 00:13:06,040
+من اللي .. من اللي .. اللي بقدم العمل مش .. مش رقص
+
+119
+00:13:06,040 --> 00:13:13,160
+المال ال .. ال .. سابق يتبين أن هناك تقصير فيتحمل
+
+120
+00:13:13,160 --> 00:13:18,960
+العامل بقدر تقصيره يتحمل العامل بقدر تقص .. ت .. ت
+
+121
+00:13:18,960 --> 00:13:23,260
+.. تقصيره يعني ربما يأتي ناس محكمون صحاب خبرة و
+
+122
+00:13:23,260 --> 00:13:28,240
+يراهم أه الأمر يعني لأن هذا في الحقيقة مقصر
+
+123
+00:13:28,240 --> 00:13:36,760
+والمقصر بامنالاصل يا اخوة اه طبعا الاصل في العامل
+
+124
+00:13:36,760 --> 00:13:44,540
+بالمضاربة اللي هو المضارب انه مؤتمن انه مؤتمن
+
+125
+00:13:44,540 --> 00:13:51,480
+وبالتالي لا يضمن الاصل عدم الضمان لأنه مؤتمن الا
+
+126
+00:13:51,480 --> 00:13:57,880
+اذا تبين تقصيرا او خيانة او إلى غير ذلك الاصل انه
+
+127
+00:13:57,880 --> 00:13:58,400
+مؤتمن
+
+128
+00:14:01,300 --> 00:14:10,880
+إذا المضاربة العادية أيها الإخوة الكرام بداية
+
+129
+00:14:10,880 --> 00:14:18,880
+في اللغة المضاربة من الضرب ولكن ليس الضرب الذي
+
+130
+00:14:18,880 --> 00:14:25,580
+نعرف ولكن وإنما ضربه الذي بمعنى السير في الأرض أو
+
+131
+00:14:25,580 --> 00:14:32,410
+السفرالسير، الضرب من معانيه، من معاني الضرب، غير
+
+132
+00:14:32,410 --> 00:14:40,770
+يعني اللطن والكذا، السير وبهذا المعنى جاء القرآن
+
+133
+00:14:40,770 --> 00:14:48,770
+الكريم عندما قالوا آخرون يضربون في الأرض هو اللي
+
+134
+00:14:48,770 --> 00:14:52,170
+بدرب في الأرض يعني إيش يعني؟ يضربون في الأرض بمعنى
+
+135
+00:14:52,170 --> 00:14:58,970
+يسيرون ويسافرون، يبتغون من فضل اللهيبحثون عن
+
+136
+00:14:58,970 --> 00:15:06,210
+الرزق، معظم التجارات، معظم التجارات تحتاجوا إلى
+
+137
+00:15:06,210 --> 00:15:13,390
+تحرك، تحتاجوا إلى سفر وسير وبحث، يعني وكل ما كان
+
+138
+00:15:13,390 --> 00:15:19,130
+البحث أكثر والسفر أطول والسير أوسع، كل ما كانت
+
+139
+00:15:19,130 --> 00:15:22,950
+التجارة أكثر ربحا، هذا معروف، اللي بيجيب ضعف من
+
+140
+00:15:22,950 --> 00:15:29,920
+الصينبربح أضعاف غير اللي بيجيب إبضاعة من رفح
+
+141
+00:15:29,920 --> 00:15:34,500
+يبيعها في غزة أو من غزة يروح يبيعها في رفح بتكون
+
+142
+00:15:34,500 --> 00:15:43,180
+نسبة الربح قليلة فحقيقة يا إخوة أن التجارة والربح
+
+143
+00:15:43,180 --> 00:15:50,220
+الكثير فيها ارتبطة دائما بالسفروكلنا بيعرف كيف
+
+144
+00:15:50,220 --> 00:15:55,540
+كانت قريش كانت تسافر .. يعني تجار قريش كانوا
+
+145
+00:15:55,540 --> 00:16:00,700
+يسافرون رحلتين الشتاء والصيف إلى بلاد الشام شمالا
+
+146
+00:16:00,700 --> 00:16:07,160
+في الصيف وإلى بلاد اليمن جنوبا في الشتاء فيجلبون
+
+147
+00:16:07,160 --> 00:16:12,340
+البضائع ويبيعونها في بلاد الجزيرة فيربحون الأرباح
+
+148
+00:16:12,340 --> 00:16:16,720
+الطائلةولذلك كانوا أي أهل القريش وقبيلة القريش من
+
+149
+00:16:16,720 --> 00:16:22,980
+أغنى أغنياء الجزيرة العربية لأنهم كانوا يضربون في
+
+150
+00:16:22,980 --> 00:16:28,120
+الأرض يسافرون ويأتون بالتجارات وقد كان النبي صلى
+
+151
+00:16:28,120 --> 00:16:33,600
+الله عليه وسلم قبل بعثته كذلك يفعل يتاجر بمال
+
+152
+00:16:33,600 --> 00:16:41,810
+خديجة رضي الله عنها وأرضاهافحقيقة الضرب بمعنى
+
+153
+00:16:41,810 --> 00:16:50,530
+السير والسفر وربما يا اخوة سميت المضاربة بهذا
+
+154
+00:16:50,530 --> 00:16:55,870
+الاسم يعني تمت علاقة لأن المضاربة هي نوع مشائم
+
+155
+00:16:55,870 --> 00:17:00,690
+اتجارة وبالتالي
+
+156
+00:17:00,690 --> 00:17:06,600
+تحتاج إلى السفرفناسبة أن تسمى بالمضاربة قادة ما
+
+157
+00:17:06,600 --> 00:17:12,940
+يضرب ويأتي ويروح ويجيء، فسميت أفعاله بالمضاربة أو
+
+158
+00:17:12,940 --> 00:17:21,440
+ثم علاقة أخرى نابعة من معنى آخر، الضرب أيها الأخوة
+
+159
+00:17:21,440 --> 00:17:29,700
+يأتي بمعنى القطع أو الفرضالضرب بمعنى القطع وسميت
+
+160
+00:17:29,700 --> 00:17:36,720
+المضاربة بالمضاربة وفقًا لهذا المعنى لأن صاحب
+
+161
+00:17:36,720 --> 00:17:47,760
+المالي يقطع جزءًا من ماله ويعطيه للعامل ليتاجر فيه
+
+162
+00:17:47,760 --> 00:17:55,810
+ويعطيهيعني ايضا ويقطع له جزء من الربح فهو صاحب
+
+163
+00:17:55,810 --> 00:18:00,590
+المال يقطع جزء من ماله ويدفعه للمضارب والمضارب
+
+164
+00:18:00,590 --> 00:18:08,690
+يقطع جزء من الربح ويقطيه لرب
+
+165
+00:18:08,690 --> 00:18:13,490
+المال و لنفسه طبعا فلذلك وضربه بمعنى القطع فناسبة
+
+166
+00:18:13,490 --> 00:18:21,130
+ان تكون يعني كذلك والمضاربة تسمى قرادةكذلك أو
+
+167
+00:18:21,130 --> 00:18:29,470
+المقاربة هذه تسمية وهذه تسمية أهل العراق يسمونها
+
+168
+00:18:29,470 --> 00:18:34,920
+مضاربةفي كتبهم يعني أنتم ستستغربون لو فتحتوا كتب
+
+169
+00:18:34,920 --> 00:18:38,900
+الفقه الشافعية لن تجدوا شيئا اسمه معاملة المضاربة
+
+170
+00:18:38,900 --> 00:18:46,480
+ولكن القراب وبالعكس في كتب الحنفية لن تجدوا عنوانا
+
+171
+00:18:46,480 --> 00:18:52,640
+او معاملة في الشركات اسمها القرابتجد المضاربة في
+
+172
+00:18:52,640 --> 00:19:01,360
+كتب الحنفية والقراض في كتب الشفعية والمعنى واحد
+
+173
+00:19:01,360 --> 00:19:05,740
+والمعاملة واحدة لكن هؤلاء يسمونها مضاربة وهؤلاء
+
+174
+00:19:05,740 --> 00:19:09,400
+يسمونها قراضا والقراض يعني اللي هو القرض بمعنى
+
+175
+00:19:09,400 --> 00:19:14,820
+القطع أيضا وكما قلنا من حيث أصل التسمية
+
+176
+00:19:16,430 --> 00:19:21,030
+إذا هذا بالنسبة للمعنى اللغوي والمعنى الاصطلاحي
+
+177
+00:19:21,030 --> 00:19:28,550
+يعني كما ذكرنا أن يدفع المالك جزءا من ماله للعامل
+
+178
+00:19:28,550 --> 00:19:33,930
+أن يدفع المالك جزءا من ماله للعامل اللي يتجار فيه
+
+179
+00:19:35,490 --> 00:19:40,710
+على أن يكون الربح بينهما بحسب ما يتفق مش بالضرورة
+
+180
+00:19:40,710 --> 00:19:44,950
+خمسين خمسين في المية ممكن اربعين ستين ممكن ثلاثين
+
+181
+00:19:44,950 --> 00:19:49,330
+سبعين او معكوسة هذا بحسب الاتفاق وبحسب ما تقتضي
+
+182
+00:19:49,330 --> 00:19:56,050
+غروب الحياة مش بالضرورة لم تفرض الشريعة نسبة محددة
+
+183
+00:19:56,050 --> 00:20:03,410
+للربح بين المضارب والعمل او بين رب المال والمضارب
+
+184
+00:20:04,520 --> 00:20:10,780
+بل بحسب ما يتفقان عرضه طلب زي الأسعار خمسين خمسين
+
+185
+00:20:10,780 --> 00:20:16,820
+ستين اربعين مايخالف اللي اللي هي أكدت عليه انه إذا
+
+186
+00:20:16,820 --> 00:20:22,980
+حصلت خسارة من
+
+187
+00:20:22,980 --> 00:20:29,280
+من أين تخصلمن رأس المال اللي هو المضارب مالوش دعوة
+
+188
+00:20:29,280 --> 00:20:34,060
+فيه العامل يعني احنا بنقول المضارب يعني العامل ورب
+
+189
+00:20:34,060 --> 00:20:40,700
+المال هي .. يعني و طيب هنا يعني تساؤل هل .. هل ..
+
+190
+00:20:40,700 --> 00:20:45,960
+أليس في ذلك أو أين العدل هنا يعني في الربح إلي ..
+
+191
+00:20:45,960 --> 00:20:51,080
+إلي زي زيه أو أبقى أربح سواء اربعين، خمسين، ستين
+
+192
+00:20:51,080 --> 00:20:56,000
+ممكن يكون نسبته أكتر تكون أحيانا العاملوفي الخسارة
+
+193
+00:20:56,000 --> 00:21:03,720
+ماخسرش قد يقول قائل اين العدل هنا ايوة هو حقيقة
+
+194
+00:21:03,720 --> 00:21:08,040
+الامر انه يخسر لأنه بعد مرور عام مثلا او شهر او
+
+195
+00:21:08,040 --> 00:21:14,500
+شهرين عندما تتم القسمة اه ان كان ثم تنبح فهذا يأخذ
+
+196
+00:21:14,500 --> 00:21:19,020
+لا اشكال هذا يأخذ مقابل المال وهذا يأخذ مقابل
+
+197
+00:21:19,020 --> 00:21:26,320
+الجهد وان كان ثم تخسارة فالعدل انيكون ان تكون
+
+198
+00:21:26,320 --> 00:21:34,570
+الخسارة من المالوذلك أنه في المقابل أن العامل الذي
+
+199
+00:21:34,570 --> 00:21:38,790
+ظل يعمل ليلة نهار على مدار أسابيع وليالي وأيام
+
+200
+00:21:38,790 --> 00:21:43,830
+وربما شهور قد خسر كل هذا الوقت هو هذا الوقت هو
+
+201
+00:21:43,830 --> 00:21:48,750
+بلاش؟ مش ببلاش هو يمكن له ست شهور و هو بيشتغل في
+
+202
+00:21:48,750 --> 00:21:54,530
+الآخر خسرت طب بيكفي اللي خسره ويمكن يكون اللي خسره
+
+203
+00:21:54,530 --> 00:22:02,960
+مقدار ما خسرهبعدم أخذه شيئا من الربح أكثر من
+
+204
+00:22:02,960 --> 00:22:09,300
+الخسارة اللي خسرها ربنا يمكن رأس المال ماخسرش
+
+205
+00:22:09,300 --> 00:22:14,320
+الأشياء البسيطة أو الرأس على جد الطاجية وهذا كخسر
+
+206
+00:22:14,320 --> 00:22:19,460
+جهده يعني أحيانا ربما يكون فلا يظن أن أحد أنه بعدم
+
+207
+00:22:19,460 --> 00:22:23,600
+تخسير العامل
+
+208
+00:22:24,680 --> 00:22:30,480
+جزءا من الخسارة عندما تتحقق الخسارة ان في ذلك ظلم
+
+209
+00:22:30,480 --> 00:22:36,400
+بل هو يعني الحق والعدل ان شاء الله تعالى اذا
+
+210
+00:22:36,400 --> 00:22:42,280
+المضاربة ايها الاخوة ان يتجرى ان يدفع المالك الى
+
+211
+00:22:42,280 --> 00:22:47,680
+العامل مالا ليتجرى فيه والربح مشترك بينهما بحسب ما
+
+212
+00:22:47,680 --> 00:22:52,810
+اشترط واتفقوالخسارة كما قلنا على ربي المال
+
+213
+00:22:52,810 --> 00:22:59,310
+والمضاربة أيها الإخوة مشروعة ولازال الحديث عن
+
+214
+00:22:59,310 --> 00:23:07,030
+المضاربة العادية الفردية الثمائية والمضاربة أيها
+
+215
+00:23:07,030 --> 00:23:11,990
+الإخوة الكرام مشروعة وباتفاق
+
+216
+00:23:13,550 --> 00:23:18,570
+واحنا زي ما اتكلمنا عن الشركات هي ضرب من ضروبها
+
+217
+00:23:18,570 --> 00:23:24,510
+ونوع من أنواعها وشرائيتها
+
+218
+00:23:24,510 --> 00:23:30,930
+ثابتة بالكتاب والسنة وإجماع الأمةبالكتاب قوله
+
+219
+00:23:30,930 --> 00:23:36,090
+تعالى وعخرون كما قلنا قبل قليل يضربون في الأرض
+
+220
+00:23:36,090 --> 00:23:41,010
+يبتغون فضلا أو من فضل الله وبقوله تعالى وإذا ضربتم
+
+221
+00:23:41,010 --> 00:23:48,890
+في الأرض يعني خرجتم للتجارة والسفر فليس عليكم جناح
+
+222
+00:23:48,890 --> 00:23:53,290
+أن تبتغوا من فضل الله يعني دائما التعبير عن فضل
+
+223
+00:23:53,290 --> 00:23:59,940
+الله عن التجارة والرزق المقصودفهذا توجيه عام للسعي
+
+224
+00:23:59,940 --> 00:24:05,860
+في الأرض والسفر من أجل الربح سواء بماله الخاص،
+
+225
+00:24:05,860 --> 00:24:11,360
+بمال غيره، بشركة، بكذا، فيدخل، فيدخل، فتشمل هذه
+
+226
+00:24:11,360 --> 00:24:12,460
+الآية
+
+227
+00:24:14,880 --> 00:24:22,620
+الدلالة على مشروعية المضاربة لأن المضارب يضرب في
+
+228
+00:24:22,620 --> 00:24:26,580
+الأرض، يسافر في الأرض، يسيل في الأرض، يبتغي من فضل
+
+229
+00:24:26,580 --> 00:24:32,360
+الله، يبتغي الرزق، ويبتغي الربح والتجارةالأوضح من
+
+230
+00:24:32,360 --> 00:24:36,300
+ذلك يا إخوة، الأوضح من ذلك، يعني هذا ربما فيه نوع
+
+231
+00:24:36,300 --> 00:24:41,220
+من العموم والاستنباط من الآية استنباطا، ليس فيه
+
+232
+00:24:41,220 --> 00:24:44,660
+تصريح بالمضاربة غير كلمة الضرب، والضرب هنا بمعناه
+
+233
+00:24:44,660 --> 00:24:48,700
+اللغوي وليس بمعناه الاصطلاحي، لكن مع ذلك يمكن أن
+
+234
+00:24:48,700 --> 00:24:54,080
+يُستدل من حيث العموم، لكن الأوضح من ذلك يا إخوة،
+
+235
+00:24:54,080 --> 00:25:00,940
+أنه روية عن العباس، عم النبي صلى الله عليه وسلمأنه
+
+236
+00:25:00,940 --> 00:25:06,620
+كان يتعامل بهذه المعاملة فقد روي أنه كان إذا دفع
+
+237
+00:25:06,620 --> 00:25:13,160
+مالا إنتبهوا إلى مضاربة من نص كان إذا دفع مالا
+
+238
+00:25:13,160 --> 00:25:20,960
+مضاربة اشترط على صاحبه اللي يسلك به أه صارت مضاربة
+
+239
+00:25:20,960 --> 00:25:27,310
+مشروطة اللي يسلك به بحراالبحر في خوف بيقول له ان
+
+240
+00:25:27,310 --> 00:25:32,550
+لا يسلق بيه بحرا ولا ينزل بيه واديا ولا يشتري بيه
+
+241
+00:25:32,550 --> 00:25:42,010
+دابة ذات كبد رطبة فإن فعل ضمنها فإن فعل ما يخالف
+
+242
+00:25:42,010 --> 00:25:50,800
+الشرائط ضمن هذا على حسابه حر لو بتصير كأنهاكأن
+
+243
+00:25:50,800 --> 00:25:56,560
+المال اللي أخده دين هو بتحمل، فالعباس عمي النبي
+
+244
+00:25:56,560 --> 00:26:00,380
+صلى الله عليه و سلم كان يتاجره مضاربة، واحد خبير
+
+245
+00:26:00,380 --> 00:26:04,660
+بس بيقوله اسمع، يعني لأنه يا اخوة المضاربة لها
+
+246
+00:26:04,660 --> 00:26:11,870
+نوعانالعادية، هذه العادية، في مضاربة مطلقة ومضاربة
+
+247
+00:26:11,870 --> 00:26:18,490
+مشروطة أو مقيدة، المضاربة المطلقة أن توطيها أن
+
+248
+00:26:18,490 --> 00:26:23,570
+تدفع المال لرب للمضاربي وتقنق يدهو في الاستثمار
+
+249
+00:26:25,590 --> 00:26:30,650
+يشتري ما شاء انت خلاص واثق ابه واثق خبرته وتجارته
+
+250
+00:26:30,650 --> 00:26:37,810
+تطلق يده يشتري ده دواب دجاج قطع مصنع قطع غيار كذا
+
+251
+00:26:37,810 --> 00:26:43,170
+ايش ما يشتغل انت ما .. ما قيدته بشيء ولا بمدة ولا
+
+252
+00:26:43,170 --> 00:26:50,880
+..هذه مطلق، المقيدة أن تشترط على .. أن يشترط رب
+
+253
+00:26:50,880 --> 00:26:55,140
+المالي على العامل شروطا معينة، إما شروط في مدة
+
+254
+00:26:55,140 --> 00:26:57,880
+معينة أنا بعطيك المال لمدة سنة تستثمر فيها، هذه
+
+255
+00:26:57,880 --> 00:27:02,000
+صارت مقيدة، أنا بعطيك المال زي ما شرط العباز على
+
+256
+00:27:02,000 --> 00:27:09,320
+أن يعني تداجر فيهصنف 1,2,3 أو على أن لا تتاجر في
+
+257
+00:27:09,320 --> 00:27:13,560
+صنف 1,2,3 وما سوى ذلك فكل هذه أنواع مقيدة
+
+258
+00:27:13,560 --> 00:27:20,340
+وبالمناسبة فإن اتجار المضاربة المطلقة لا خلاف فيها
+
+259
+00:27:20,340 --> 00:27:24,840
+أما المضاربة المقيدة ففيها شيء خلاف لكن الراجحة
+
+260
+00:27:24,840 --> 00:27:32,320
+يعني جوازها يعني الأصل أن المضارب أو أسف رب المال
+
+261
+00:27:32,320 --> 00:27:39,480
+يعطيالمال لرب المال للمضارب
+
+262
+00:27:39,480 --> 00:27:45,060
+دون أن يشترط عليه مدام قد وافقة به ووافقة بخبرته
+
+263
+00:27:45,060 --> 00:27:52,820
+وبأمانته وإلى غير ذلك لكن لو اشترط ذلك يعني أجازة
+
+264
+00:27:52,820 --> 00:27:56,820
+كثيرة من الأولماء الشاهد احنا عنا ان العباس يعني
+
+265
+00:27:56,820 --> 00:28:03,290
+لسه ماكملش الشاهد رب الله عنهكان يعني يشترط كان
+
+266
+00:28:03,290 --> 00:28:09,570
+إذا دفع مالا مضاربة يشترط أن لا يسلك بيه بحرا ولا
+
+267
+00:28:09,570 --> 00:28:14,150
+ينزل بيه واديا ولا يشتري
+
+268
+00:28:14,150 --> 00:28:19,530
+بيه دبة ده تكبت الدربة فإن فعل ضمن الشاهد هنا فبلغ
+
+269
+00:28:19,530 --> 00:28:26,090
+ذلك رسول الله صلى الله عليه وسلم فأجازه فأجاز
+
+270
+00:28:26,090 --> 00:28:33,780
+العباس علىفعل المضاربة وعلى شرط المضاربة لكن واحد
+
+271
+00:28:33,780 --> 00:28:37,060
+يقول انت قولت طب في شوية خلاف فبعد إجازة النبي صلى
+
+272
+00:28:37,060 --> 00:28:42,140
+الله عليه وسلم هل .. هل يبقى يعني لأحد قول ويخالف؟
+
+273
+00:28:42,140 --> 00:28:47,080
+الحقيقة لا لكن لما كان الحديث في ضعف فالبعض لم
+
+274
+00:28:47,080 --> 00:28:51,750
+يأخذ الحديث على كل الأحوالوالرسول صلى الله عليه
+
+275
+00:28:51,750 --> 00:28:56,450
+وسلم أي أيها الأخوة أيضًا يقول في حديث آخر تأكيدنا
+
+276
+00:28:56,450 --> 00:29:02,070
+على مشروعية المضاربة، ثلاث فيهن البركةفاكرين
+
+277
+00:29:02,070 --> 00:29:06,610
+الشركة أنتوا؟ عموم الشركات، أنا ثالث الشركين، ممكن
+
+278
+00:29:06,610 --> 00:29:11,490
+أيضا نستخدم هذا الحديث، ما لم يكن أحدهم الآخر،
+
+279
+00:29:11,490 --> 00:29:15,190
+والمضاربة شركة، فهذا جريم على المشروعية، لكن هذا
+
+280
+00:29:15,190 --> 00:29:18,210
+حديث آخر، الرسول صلى الله عليه وسلم يقول، ثلاث
+
+281
+00:29:18,210 --> 00:29:26,080
+فيهن البركة، البيع لأجلوهذه بالمناسبة محطة يعني
+
+282
+00:29:26,080 --> 00:29:30,960
+تحتاج الانتباه، يمكن اليوم أكتر الناس يعني يرفضون
+
+283
+00:29:30,960 --> 00:29:36,280
+البيع داينا لأجل طبعا لأنه اليوم بعد أن فسدت دمان
+
+284
+00:29:36,280 --> 00:29:39,540
+من الناس واللي بياخد دين مابيصدش و .. لكن الأصل يا
+
+285
+00:29:39,540 --> 00:29:45,710
+أخوة أن البيع لأجل فيه توسع على الناسوفيه ايضا
+
+286
+00:29:45,710 --> 00:29:52,450
+اثراء للحياة الاقتصادية وانعاش الها وتخفيف ودفع
+
+287
+00:29:52,450 --> 00:30:01,720
+للحرجالاصل انه لا يمتنع البائع او التجار عن البيع
+
+288
+00:30:01,720 --> 00:30:07,720
+للاخرين داينا او الا اذا كان سببا يعني وليثقوا
+
+289
+00:30:07,720 --> 00:30:14,180
+تماما ان في ذلك بركة من الله سبحانه وتعالى مادام
+
+290
+00:30:14,180 --> 00:30:18,000
+فيه تسديد وانا بدي اقولكوا شغل يا اخوة من وقت
+
+291
+00:30:18,000 --> 00:30:25,240
+التجربة ان التجار اللي باطمئنه على الشخصاللي بياخد
+
+292
+00:30:25,240 --> 00:30:31,080
+منهم و بيدفع بدينهمو بالفعل بيشعروا بالبركة بتلاقي
+
+293
+00:30:31,080 --> 00:30:35,780
+هذا يعني supermarket مثلا في مكان الموظفين بياخدوا
+
+294
+00:30:35,780 --> 00:30:39,420
+منه طول الشهر لأجل دين لأخر الشهر دين دين اخر
+
+295
+00:30:39,420 --> 00:30:42,440
+الشهر اللي عنده ايش ما شاء الله كمية كبيرة من
+
+296
+00:30:42,440 --> 00:30:47,200
+السيولة بروح بجيب ايه ال بضاعة جديدة و هكذا و
+
+297
+00:30:47,200 --> 00:30:50,940
+بتلاقي في خلال سن زمان الدكان الصغيرة صارت احسن
+
+298
+00:30:50,940 --> 00:30:54,760
+supermarket في المهم يكون فيه فحقيقة بالفعل يا
+
+299
+00:30:54,760 --> 00:30:59,980
+اخوان ثلاثة فيهم البركة البيعوا لأجلوالمقاربة
+
+300
+00:30:59,980 --> 00:31:06,180
+الشاهدة اللي هو القراب اللي هي المضاربة والثالثة
+
+301
+00:31:06,180 --> 00:31:16,760
+خلطوا القمح بالشعير ولكن للبيتي لا للبيا خلطوا هذه
+
+302
+00:31:16,760 --> 00:31:22,440
+يعني إشارة نبوية خلطوا القمح بالشعير للأكل اللي في
+
+303
+00:31:22,440 --> 00:31:31,620
+البيت للعجين والخبزأه أما البياع لأ هذا طحين جمح و
+
+304
+00:31:31,620 --> 00:31:37,240
+هذا طحين اشهير و اخلط زي ما بدك انت أما في البيت
+
+305
+00:31:37,240 --> 00:31:43,420
+الأفضل يخلط بين الأمرين يعني ربنا بيبارك أكتر و
+
+306
+00:31:43,420 --> 00:31:53,170
+بيمد الخبز يعني ان شاء اللهثم إن .. ثم إن الصحابة
+
+307
+00:31:53,170 --> 00:31:58,610
+أيها الإخوة الكرام تعاملوا غير العباس في هذه
+
+308
+00:31:58,610 --> 00:32:05,370
+المعاملة ولم ينكر أحدهم على من تعامل بيها فكان ذلك
+
+309
+00:32:06,130 --> 00:32:10,250
+إجماعا.يعني احنا بتقدر نقول ان المضابة يا اخوة
+
+310
+00:32:10,250 --> 00:32:14,270
+ثبتت مشروعيتها بكتاب الله وبسنة رسول الله صلى الله
+
+311
+00:32:14,270 --> 00:32:20,090
+عليه وسلم وبفعل الصحابة بل بإجماعهم السكوتي وهذا
+
+312
+00:32:20,090 --> 00:32:27,300
+يدلله على المشروعية دلالة واضحةقبل أن أنتقل
+
+313
+00:32:27,300 --> 00:32:31,600
+للمضاربة المشتركة يعني فقط أريد أن أقول لعل في ذلك
+
+314
+00:32:31,600 --> 00:32:35,560
+فائدة أن المضاربة يا أخوة بالمناسبة العادية هذه
+
+315
+00:32:35,560 --> 00:32:40,460
+لها أو فيها تفاصيل كثيرة جدا خاصة تلك المقيدة
+
+316
+00:32:40,460 --> 00:32:43,840
+والأحكام
+
+317
+00:32:43,840 --> 00:32:48,480
+المترتبة عليها وكيف تنتهي أنا فقط أريد أن أشير
+
+318
+00:32:48,480 --> 00:32:56,550
+إشارة إشارة أنهي بها أن ثمة شروطفي المضاربة شروط
+
+319
+00:32:56,550 --> 00:33:05,750
+في المضاربة بعضها يتعلق بالعاقدين المضارب رب المال
+
+320
+00:33:05,750 --> 00:33:12,550
+بعضها يتعلق برأس المال بعضها يتعلق بالربح يعني
+
+321
+00:33:12,550 --> 00:33:17,970
+الأمور في للأسف الشديد يا أخوة في يعني كتير في
+
+322
+00:33:17,970 --> 00:33:22,710
+عصرنا هذا بتصير يعني شركات مضاربة دون أن ترأي هذه
+
+323
+00:33:22,710 --> 00:33:31,930
+الشروطفيقع الناس في نزاعات لو احنا بنراعي الشروط و
+
+324
+00:33:31,930 --> 00:33:36,970
+بنمشي حسب أحكام الشريعة بإذن الله تنتفجوا لكن بتتم
+
+325
+00:33:36,970 --> 00:33:41,450
+الشركة بيعملوا مشاركة و بعدين بيختلفوا في ما بينهم
+
+326
+00:33:41,450 --> 00:33:44,130
+تعالوا حاكموا الشركة بيلاقي الأساس اللي اتفجوا
+
+327
+00:33:44,130 --> 00:33:49,330
+عليه أساس باطلوبعيدا اسم بس مضاربة والتفاصيل بعيدة
+
+328
+00:33:49,330 --> 00:33:54,970
+كل البعد عنه انظروا قليلا يعني اولا العاقدين لابد
+
+329
+00:33:54,970 --> 00:34:01,890
+ان يكون العاقدينيعني فيهما أو تتوفر فيهما الأهلية
+
+330
+00:34:01,890 --> 00:34:07,570
+يكون بالغ عقل يعني مايكونش صغير السن ولا يكون
+
+331
+00:34:07,570 --> 00:34:12,610
+مجنون ولا .. أو خرفان أو .. وده في كل العقود لكن
+
+332
+00:34:12,610 --> 00:34:19,910
+هذا ينبغي أن ينبه إليه يعني
+
+333
+00:34:23,320 --> 00:34:30,220
+في المتعاقدين أو في العاقدين يا إخوان هناك ينبغي
+
+334
+00:34:30,220 --> 00:34:35,740
+أن يحرص رب المال هذا شروط استحسانية أنا دعني
+
+335
+00:34:35,740 --> 00:34:45,440
+أسميها على أن يختار يختار المضارب الأمين عشان ما
+
+336
+00:34:45,440 --> 00:34:46,860
+يجعش في مشاكل ابتداء
+
+337
+00:34:50,630 --> 00:34:56,550
+ولذلك يا أخوة كما قلت قبل قليل بمجرد .. بمجرد
+
+338
+00:34:56,550 --> 00:35:01,910
+توقيع عقد المضاربة واستلام المضارب للمال فإن
+
+339
+00:35:01,910 --> 00:35:08,510
+المضاربة يصبح أمينا .. أمين على المال بمعنى لو أن
+
+340
+00:35:08,510 --> 00:35:14,670
+المال فقده لو أن ثمة خسارة فلا شيء عليه هو مؤتمن
+
+341
+00:35:14,670 --> 00:35:18,990
+على المال ليس إلا إذا كان هناك تقصير إلا إذا كان
+
+342
+00:35:18,990 --> 00:35:26,770
+هناك تقصيرفهو أمين ثم وكيل يعني وشريك في الربح
+
+343
+00:35:26,770 --> 00:35:32,440
+وغير ذلكأما بالنسبة لرأس المال، رأس المال هذا برضه
+
+344
+00:35:32,440 --> 00:35:38,020
+له شروط، أول شرط أن يكون نقدا، وهذا علم عليه أكتر
+
+345
+00:35:38,020 --> 00:35:42,360
+العلماء، يعني في المضاربة الأصل أنا أشارك بالمال
+
+346
+00:35:42,360 --> 00:35:49,560
+من المال الدارج، شكل، دنار، دولار، نقود، مش بضاعة
+
+347
+00:35:49,560 --> 00:35:54,360
+يعني، مش بضاعة، وإن كان البعض تسأل في ذلك، لكن هذا
+
+348
+00:35:54,360 --> 00:36:02,000
+على الرأي الراجحوان يكون هذا المال معلوما مش لأ
+
+349
+00:36:02,000 --> 00:36:08,320
+فيه هى عشر تلاف دينار فضل معروفات عشرين ألف دينار
+
+350
+00:36:08,320 --> 00:36:16,600
+معروفات مش يلا نشتغل وش بلزمك مثلا بيصير لأ من
+
+351
+00:36:16,600 --> 00:36:23,240
+البداية بدنا نطلع رب المال استلم هى عشر تلاف هى
+
+352
+00:36:23,240 --> 00:36:32,000
+عشرين ألف محدداتلبد من انت .. و ..كذلك أن يكون ..
+
+353
+00:36:32,000 --> 00:36:36,240
+أن يستلم ال .. ال .. ال .. ال .. رب المدارب هذا
+
+354
+00:36:36,240 --> 00:36:39,600
+المال و لا .. لا .. لا أن يكون داينا في ذمة خلاص
+
+355
+00:36:39,600 --> 00:36:44,060
+حتى لو عد .. لو .. لو .. لو عينوا أو لو حددوا
+
+356
+00:36:44,060 --> 00:36:48,800
+المال أو الرأس المال دون أن يستلمه المدارب لا يصح
+
+357
+00:36:48,800 --> 00:36:53,660
+لابد .. يعني بيصير كده دين لابد أن يستلمه في يده
+
+358
+00:36:53,660 --> 00:36:57,920
+لأنه لا قيمة لهذه ال .. هو أصلا معوش، من وين
+
+359
+00:36:57,920 --> 00:37:02,340
+هيجيبه؟مش هتبدأ الشغل، إذا كان مدهش تبدأ خلاص لما
+
+360
+00:37:02,340 --> 00:37:08,220
+نتسلمه بيصير خير لو
+
+361
+00:37:08,220 --> 00:37:12,800
+سلم جزء منه على أن يبقى على أن يحدد يعني تسليم
+
+362
+00:37:12,800 --> 00:37:17,060
+الجزء العخر ممكن على أن يكون معلوما أيضا هذا الجزء
+
+363
+00:37:17,060 --> 00:37:21,480
+على أن يكون معلوما هذا الجزء ثم يعني بعد ذلك يتم
+
+364
+00:37:21,480 --> 00:37:29,070
+دفع الجزء العخر ف .. و كذلك الحالةان يكون للعامل و
+
+365
+00:37:29,070 --> 00:37:37,190
+هذا شرط مهم استقلالي في التجارة او في العمل مش انت
+
+366
+00:37:37,190 --> 00:37:43,550
+سلمته كل شوية اه لأ اعمل ماتعملش لأ ممكن كنصح و
+
+367
+00:37:43,550 --> 00:37:49,870
+ارشاد لأ بس اما انت ابتداء ان اتفاجئت معاه وكلته
+
+368
+00:37:49,870 --> 00:37:57,040
+وسلمته رجبتك او مالك خلاصطبعا إلا إذا ثبت يا إخوة
+
+369
+00:37:57,040 --> 00:38:03,560
+له دلالات وأمارات على خيانته على سوء تصرفه بإمكانه
+
+370
+00:38:03,560 --> 00:38:07,520
+يعني انه لكن مادام الأمور ماشية انت ماتربيكوش هو
+
+371
+00:38:07,520 --> 00:38:13,200
+له خطة عمل سيبه يعمل لابد أن تكون له استقلالية لأن
+
+372
+00:38:13,200 --> 00:38:18,760
+هذاهذه الشركة قائمة على أساس أنك تشارك بمالك وهو
+
+373
+00:38:18,760 --> 00:38:24,240
+يشارك بخبرته وجهده على كل الأحوال أما الربح وأخيرا
+
+374
+00:38:24,240 --> 00:38:29,560
+الربح ضروري يا أخوة كمان في شرط أنه يكون أولا
+
+375
+00:38:29,560 --> 00:38:34,500
+مشترك يعني مايكونش لواحد منهم دون الآخر وإلا
+
+376
+00:38:34,500 --> 00:38:39,100
+اختلفت ماصرتش مضاربة لأن المضاربة قائمة على الربح
+
+377
+00:38:39,100 --> 00:38:39,620
+مشترك
+
+378
+00:38:42,320 --> 00:38:47,940
+ان يكون .. ان لا يكون الربح او .. ان يتم الاتفاق
+
+379
+00:38:47,940 --> 00:38:55,000
+ده اني اقول على نسبة الربح وليس على كام الربح على
+
+380
+00:38:55,000 --> 00:39:01,420
+نسبة الربح مشترك وجداش تلاتين سبعين خمسين خمسين
+
+381
+00:39:01,420 --> 00:39:07,740
+لكن جاله اسمع انا خد .. بنا نخش مضاربة وانا ايه لي
+
+382
+00:39:07,740 --> 00:39:12,850
+في السنة خمستالاف دنارلأ هذا ربح تحيط على الربح
+
+383
+00:39:12,850 --> 00:39:17,710
+صارت يعني بمعنى اخر من ما ممكن نقول اللي يكون
+
+384
+00:39:17,710 --> 00:39:25,790
+الربح محددا بكم من او بمقدار معين النسبة تتحدث اه
+
+385
+00:39:25,790 --> 00:39:32,450
+لكن الكم لأ لان الكم يعني دخلنا في الربح لان ممكن
+
+386
+00:39:32,450 --> 00:39:39,550
+لو كان سنة مره ماتربحش او نخسرإذا و هذا يخالفه ما
+
+387
+00:39:39,550 --> 00:39:46,470
+قامت عليه هذه المرابحة طيب الآن هذا بالنسبة
+
+388
+00:39:46,470 --> 00:39:49,790
+للمرابحة أكتفي بهذا القدر حقيقة لإن التفاصيل عن
+
+389
+00:39:49,790 --> 00:39:53,410
+المضاربة كثيرة جدا لكن بالنسبة للمضاربة العادية
+
+390
+00:39:53,410 --> 00:39:59,790
+ننتقل الآن إلى المضاربة المشتركة المضاربة المشتركة
+
+391
+00:39:59,790 --> 00:40:05,470
+احنا لسه الكلام هذا كله عن المضاربة العاديةو
+
+392
+00:40:05,470 --> 00:40:13,070
+بالمناسبة هنا البنوك يا أخوة الإسلامية تعمل
+
+393
+00:40:13,070 --> 00:40:18,270
+بالمضاربة العادية طب فاكرين لما اتعذبنا عن
+
+394
+00:40:18,270 --> 00:40:24,190
+المشاركة المنتجة بالتمليك؟ لا يعني أن البنوك
+
+395
+00:40:24,190 --> 00:40:33,010
+لاتعمل مشاركاتولكن كمعاملات مستحدثة، معاملات
+
+396
+00:40:33,010 --> 00:40:40,170
+إضافية تزيد من سعة دائرة التمويل البنوك
+
+397
+00:40:40,170 --> 00:40:50,770
+لها أذرع في شركات مضاربة، عادية، دائمةمستمرة فردية
+
+398
+00:40:50,770 --> 00:40:57,330
+بين البنك ومن أموال رأس البنك من مجلس الإدارة مش
+
+399
+00:40:57,330 --> 00:41:04,970
+من أموال المودعين مع شركات استثمروا عادي لكن احنا
+
+400
+00:41:04,970 --> 00:41:10,170
+بدنا نستثمر أموال المودعين بدنا الناس .. بدنا
+
+401
+00:41:10,170 --> 00:41:13,570
+نستقطب أكبر قدر ممكن عشان الناس يستفيد وكمان احنا
+
+402
+00:41:13,570 --> 00:41:19,470
+نستفيد وكمان المجتمع يستفيدإقامة مشاريع وإلى غير
+
+403
+00:41:19,470 --> 00:41:30,530
+ذلك إذا المضاربة المشتركة هي صورة إضافية من صور
+
+404
+00:41:30,530 --> 00:41:36,410
+المضاربات التي تقوم عليها وبها البنوك الإسلامية
+
+405
+00:41:38,690 --> 00:41:44,730
+بنخصها بالذكر لأنه فيها إشي جديد، لأنه فيها إشي
+
+406
+00:41:44,730 --> 00:41:51,790
+يحتاج إلى وقفات وتحليلات لكي ننتهي إلى الحكم، فيها
+
+407
+00:41:51,790 --> 00:41:59,100
+شوية يعني وقفات تضع علامات استفهاملأنه ممكن أن
+
+408
+00:41:59,100 --> 00:42:03,240
+يقال والله هذه المشتركة، المضاربة المشتركة تخالف
+
+409
+00:42:03,240 --> 00:42:09,560
+أحكام الشريعة لنظرة ظاهرة هنا أو هناك، فالأمر
+
+410
+00:42:09,560 --> 00:42:15,140
+يحتاج إلى وقفة أو تحليل المضاربة المشتركة، إيش هي
+
+411
+00:42:15,140 --> 00:42:19,180
+يا أخوة؟ احنا من خلال ما سبق عرضنا، لكن نكرر مرة
+
+412
+00:42:19,180 --> 00:42:27,530
+أخرىالمضاربة العادية عرفنا أنه يدفع رب المال جزء
+
+413
+00:42:27,530 --> 00:42:32,270
+من المال للعمل ليتجر فيه على أن يكون الربح مشترك
+
+414
+00:42:32,270 --> 00:42:37,110
+طيب هل المضاربة المشتركة بالظبط هيك؟ لأ طبعا تختلف
+
+415
+00:42:37,110 --> 00:42:42,570
+وإن كانت المضاربة العادية جزء من مفهوم المضاربة
+
+416
+00:42:42,570 --> 00:42:49,890
+المشتركة المضاربة المشتركة هي أن يعرفالمصرف
+
+417
+00:42:49,890 --> 00:42:55,930
+الإسلامي، اللي عندكم، ان يعرف المصرف الإسلامي على
+
+418
+00:42:55,930 --> 00:43:02,460
+..انتبهوا، على أصحاب الأموال، يا أصحاب الأمواليا
+
+419
+00:43:02,460 --> 00:43:07,740
+أصحاب رؤوس الأموال، يا مليونيرية الزمان، أنا مستعد
+
+420
+00:43:07,740 --> 00:43:12,120
+إيش؟ يعرض عليهم بماذا؟ يعرض عليهم عرض استثمار
+
+421
+00:43:12,120 --> 00:43:16,540
+أموالهم، بدل ما هي جامدة، تعالوا أنا مستعد
+
+422
+00:43:16,540 --> 00:43:22,180
+أستثمرها إلكوا، استثمار جيد، مش خمسة في المية
+
+423
+00:43:22,180 --> 00:43:30,060
+سنوي، ومش ربح ربوي، لأوإنما استثمار ويش بيطلع ممكن
+
+424
+00:43:30,060 --> 00:43:34,660
+انتوا تستفيدوا اشرين تلاتين خمسين في المية اه هذا
+
+425
+00:43:34,660 --> 00:43:39,740
+يعني إغراء يا أصحاب الأموال انا مستعد كبنك وانا
+
+426
+00:43:39,740 --> 00:43:44,240
+بنك يعني جهة ثقة جهة مسئولة جهة رسمية غير ما تروح
+
+427
+00:43:44,240 --> 00:43:47,900
+هنا على الروبي ولا على الكردي ولا هان ولا هان لأ
+
+428
+00:43:47,900 --> 00:43:52,380
+جهة رسمية فيها
+
+429
+00:43:52,380 --> 00:43:58,740
+نوع اغراببس خلصنا .. إذا لاحظوا أن يعرض المصرف
+
+430
+00:43:58,740 --> 00:44:04,120
+الإسلامي نفسه على أصحاب الأموال على أن يستثمر
+
+431
+00:44:04,120 --> 00:44:12,620
+أموالهم وفي نفس الوقت يعرضوا وكأنه بيه بعد أن
+
+432
+00:44:12,620 --> 00:44:19,340
+قبلوا بذلك وصار لديه أمواليلتفتوا يسرة بعد ان
+
+433
+00:44:19,340 --> 00:44:23,960
+التفت يمنة الى أصحاب الأموال، التفتنا يسرة الى
+
+434
+00:44:23,960 --> 00:44:29,160
+أصحاب العمل والخبرة والجهد والتجارةونادى نداء اخر
+
+435
+00:44:29,160 --> 00:44:37,620
+يا ايها التجار
+
+436
+00:44:37,620 --> 00:44:44,780
+يا ايها الصناع يا اصحاب الخبرات والجهود انا مستعد
+
+437
+00:44:44,780 --> 00:44:55,100
+امدكوا بالمال و تقيموا مشاريعولكم يعني نصيب نتفق
+
+438
+00:44:55,100 --> 00:45:02,000
+عليه اه .. اذا ان يعرف المصرف الاسلامي على أصحاب
+
+439
+00:45:02,000 --> 00:45:07,100
+الأموال باعتباره نفسه باعتباره مضارب اول مرة لما
+
+440
+00:45:07,100 --> 00:45:10,440
+التفت يمين على رب الأموال .. على أصحاب الأموال كان
+
+441
+00:45:10,440 --> 00:45:15,880
+ايش؟ كان باعتباره ايش؟ عامل هو البنك مضارب يعني
+
+442
+00:45:15,880 --> 00:45:22,120
+عامل هو بيقولهم انا بدأ استثمركمثم لما .. لأ هو
+
+443
+00:45:22,120 --> 00:45:26,000
+ماجزبش عليهم بس فيهم تجوز والتفت لما التفت لل ..
+
+444
+00:45:26,000 --> 00:45:30,040
+للآخرين جالهم انا صار معاه مصاري انا الان معاه
+
+445
+00:45:30,040 --> 00:45:40,380
+مصاري اه فباعتباره صاحب مال مرة بوجهين بوجه العامل
+
+446
+00:45:40,380 --> 00:45:50,200
+مرة وبوجه رب المال مرة أخرى ومقابلهذه الوساطة وهذه
+
+447
+00:45:50,200 --> 00:45:58,060
+الجهود التي وهذه النداءات وهذه الإدارات فإنه يصبح
+
+448
+00:45:58,060 --> 00:46:05,700
+شريكا ثالثا مع أصحاب الجهود وأصحاب المال بنسبة من
+
+449
+00:46:05,700 --> 00:46:10,720
+الربح يتفقون عليها لكن هذه المضاربة فيها إشكاليات
+
+450
+00:46:10,720 --> 00:46:13,300
+كثيرة نتحدث عنها المرة القادمة ان شاء الله
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/F5YbPqHXvGQ.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/F5YbPqHXvGQ.srt
new file mode 100644
index 0000000000000000000000000000000000000000..18b0f655b76bc662f553a6b813935f730cbc47ee
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/F5YbPqHXvGQ.srt
@@ -0,0 +1,1346 @@
+1
+00:00:21,280 --> 00:00:26,200
+بسم الله الرحمن الرحيم الحمد
+
+2
+00:00:26,200 --> 00:00:30,900
+لله والصلاة والسلام على رسول الله وعلى آله وصحبه
+
+3
+00:00:30,900 --> 00:00:35,900
+ومن اهتدى بهديه واستنى بصناته إلى يوم الدين وبعد
+
+4
+00:00:35,900 --> 00:00:41,280
+بدأنا
+
+5
+00:00:41,280 --> 00:00:46,100
+المرة الماضية في الحديث عن التأمين وكانت محاضراتنا
+
+6
+00:00:46,100 --> 00:00:55,540
+عبارة عن مقدمة عامة حول التأمين ربما طوفنا فيها حول
+
+7
+00:00:55,540 --> 00:01:03,900
+نشأة التأمين أو حول البذور والجذور لظهور عقود
+
+8
+00:01:03,900 --> 00:01:13,580
+التأمين ولكن ما سلطنا الضوء عليه هو أننا لم نجد
+
+9
+00:01:13,580 --> 00:01:21,410
+عقود التأمين بصورها الحالية موجودة في ظل الدولة
+
+10
+00:01:21,410 --> 00:01:28,570
+الإسلامية وذلك على مدار نحو 12 قرنًا وبالتالي
+
+11
+00:01:28,570 --> 00:01:34,410
+كان هذا سببًا لطرح التساؤل الذي ربما شغلنا معظم
+
+12
+00:01:34,410 --> 00:01:42,030
+محاضرتنا فيه وهو لماذا تغافلت أو غافلت الأمة
+
+13
+00:01:42,030 --> 00:01:51,990
+الإسلامية عن هذا العقد وتطبيقه رغم ما يحققه هذا
+
+14
+00:01:51,990 --> 00:01:59,850
+العقد، عقد التأمين من مصالح وأهداف كثيرة ذكرنا منها
+
+15
+00:01:59,850 --> 00:02:10,550
+أن عقود التأمين تحقق إنقاذًا لمن وقعت لهم كوارث
+
+16
+00:02:10,550 --> 00:02:17,220
+ومصابات بحيث إنها تكون جنبًا إلى جنب معهم في
+
+17
+00:02:17,220 --> 00:02:23,340
+الأزمات كالصديق والصاحب المخلص الذي يكون عامل
+
+18
+00:02:23,340 --> 00:02:28,500
+تأمينًا ووجهًا في أزمة، يعني التأمين يكون واقفًا بجنبه
+
+19
+00:02:28,500 --> 00:02:33,220
+وينقذه من الأزمة ويخفف عنه هذه الكارثة من خلال
+
+20
+00:02:33,220 --> 00:02:40,640
+تعويضه المالي أو دفعه أو تحمل الأعباء المالية
+
+21
+00:02:40,640 --> 00:02:48,130
+عما وقع فيه. وإضافة إلى ذلك قلنا إن التأمين حتى
+
+22
+00:02:48,130 --> 00:02:51,730
+على صعيد المجتمع، حتى على صعيد الفرد قد يكون سببًا
+
+23
+00:02:51,730 --> 00:02:56,150
+في التنمية الاقتصادية بشكل عام، حيث إن شركات
+
+24
+00:02:56,150 --> 00:03:02,550
+التأمين أو الجهات المؤمنة تجمع أكبر قدر ممكن من
+
+25
+00:03:02,550 --> 00:03:05,890
+الأموال من خلال هذه الأقساط التي يدفعها هؤلاء
+
+26
+00:03:05,890 --> 00:03:11,370
+الأفراد المشتركون في عملية التأمين، فتكون دافعًا
+
+27
+00:03:11,370 --> 00:03:18,150
+لهم لاستثمارها فيما فيه أو بما يعود بهم بالمصلحة
+
+28
+00:03:18,150 --> 00:03:24,300
+والتنمية على المجتمع. كذلك هو نوع من أنواع الادخار،
+
+29
+00:03:24,300 --> 00:03:29,740
+كما قلنا كأن الذي يشارك في التأمين ويدفع قسطًا
+
+30
+00:03:29,740 --> 00:03:36,920
+معينًا كأنه يدخر قسطًا معينًا لنفسه في حال تعرضه
+
+31
+00:03:36,920 --> 00:03:44,760
+للحاجة أو تعرضه للأزمة فيجد مدخراته وزيادة
+
+32
+00:03:44,760 --> 00:03:49,520
+ضعفها. إلى كل ذلك، فربما يكون لعقد التأمين منزلة على
+
+33
+00:03:49,520 --> 00:03:56,060
+الأقل سببًا من أسباب الاستقرار بشكل عام، وسببًا من
+
+34
+00:03:56,060 --> 00:04:02,360
+أسباب الألفة والمحبة. ذلك أن الإنسان إذا ما وقع في
+
+35
+00:04:02,360 --> 00:04:08,280
+كارثة أيها الإخوة ولم يجد أحدًا أو جهة تقف معه
+
+36
+00:04:08,280 --> 00:04:16,840
+لتنقذه من أزمته وتقف بجانبه، فإنه يكره الناس
+
+37
+00:04:16,840 --> 00:04:22,140
+جميعًا، فإنه في هذه الحالة يحقد على الناس، فإنه في
+
+38
+00:04:22,140 --> 00:04:26,310
+هذه الحالة يصبح إنسانًا، أو ربما تكون هذه الأزمة
+
+39
+00:04:26,310 --> 00:04:32,510
+بداية لصناعة إنسان شرير، إنسان مجرم حاقد على
+
+40
+00:04:32,510 --> 00:04:38,890
+المجتمع، لكن بينما إذا ما وجد مَن أو جهة ما تقف
+
+41
+00:04:38,890 --> 00:04:45,090
+بجانبه، فإنه يستشعر بالاستقرار والمحبة والألفة
+
+42
+00:04:45,090 --> 00:04:49,490
+لمجتمعه، وتكون هذه ربما بداية انطلاقة له كي يكون
+
+43
+00:04:50,540 --> 00:04:55,600
+مواطنًا صالحًا. فإحنا قلنا كل هذه المعاني التي ربما
+
+44
+00:04:55,600 --> 00:04:59,700
+تتحقق من خلال التأمين بشكل عام، وليس بالضرورة هذا
+
+45
+00:04:59,700 --> 00:05:06,860
+النوع أو ذاك. بشكل عام، هذا غاب عن المسلمين على مدار
+
+46
+00:05:06,860 --> 00:05:11,580
+12 قرنًا، فلم يلتفتوا، حيث إننا لم نجد عقدًا من عقود
+
+47
+00:05:11,580 --> 00:05:17,450
+التأمين، أو لم نجد ظاهرة التعاقد على التأمينات
+
+48
+00:05:17,450 --> 00:05:24,590
+موجودة عندهم. وكانت الإجابات منكم بأن التأمين، أو
+
+49
+00:05:24,590 --> 00:05:30,710
+بأن الإسلام عرف التأمين ولكن بشكل أوسع وأشمل
+
+50
+00:05:30,710 --> 00:05:39,880
+وبشكل أيضًا أكثر، يعني تكاملية. عرفه عندما قرر ربنا
+
+51
+00:05:39,880 --> 00:05:45,780
+سبحانه وتعالى قوله: "وتعاونوا على البر والتقوى ولا
+
+52
+00:05:45,780 --> 00:05:51,020
+تعاونوا على الإثم والعدوان". والتأمين صورة واحدة فقط
+
+53
+00:05:51,120 --> 00:05:57,200
+من صور التعاون التي يقررها الإسلام، قرره أو عرفه
+
+54
+00:05:57,200 --> 00:06:01,220
+عندما قال رسول الله صلى الله عليه وسلم: مثل
+
+55
+00:06:01,220 --> 00:06:06,820
+المؤمنين في توددهم و تراحمهم... أليسنا نقول قبل قليل أن
+
+56
+00:06:06,820 --> 00:06:11,380
+التأمين سبب من أسباب المودة والألفة والرحمة؟ هذا
+
+57
+00:06:11,380 --> 00:06:15,680
+هو الإسلام أيضًا في توددهم وتعاطفهم وتراحمهم كمثل
+
+58
+00:06:15,680 --> 00:06:20,630
+الجسد الواحد. إذا اشتكى منه عضو... متى يشتكي الإنسان
+
+59
+00:06:20,630 --> 00:06:27,200
+في حالة الأزمات؟ فالتوجيه الإسلامي الشامل يخاطب
+
+60
+00:06:27,200 --> 00:06:32,600
+الناس بأن يقفوا إلى جانب، أو يخاطب المسلمين بأن
+
+61
+00:06:32,600 --> 00:06:36,800
+يقفوا إلى جانب بعضهم البعض في حالة الأزمات، هذا هو
+
+62
+00:06:36,800 --> 00:06:42,400
+إسلامنا. ثم وذكرنا يعني غير هذا التوجيه العام،
+
+63
+00:06:42,400 --> 00:06:47,660
+توجيهات تفصيلية أو أحكام تفصيلية ربما تكون أكثر
+
+64
+00:06:47,660 --> 00:06:52,620
+إلزامًا في حالة العاقلة، في حالة... وهي من أكثر يعني
+
+65
+00:06:52,620 --> 00:06:58,680
+صور التعاون أو أكثر صور التأمين عندما يتسبب
+
+66
+00:06:58,680 --> 00:07:06,980
+الإنسان في قتل آخر خطأ، تجد أن الإسلام ألزم عائلته،
+
+67
+00:07:06,980 --> 00:07:15,040
+عاقِلَته، أهله، حرفته، ربما حتى مهنته أن يتعاونوا لدفع
+
+68
+00:07:15,040 --> 00:07:25,860
+دية هذا المقتول. نظام ذكي لم تعرفه الأمم غير
+
+69
+00:07:25,860 --> 00:07:32,640
+الأمة الإسلامية بهذه التفصيل وبهذه الدقة وبهذه
+
+70
+00:07:32,640 --> 00:07:40,700
+الصورة. من صور التكافل أيضًا هو نظام تأمين شامل، نظام
+
+71
+00:07:40,700 --> 00:07:43,200
+تحمل مسؤوليات الدولة،
+
+72
+00:07:48,690 --> 00:07:55,910
+وتحمل واجباتها نحو أفرادها في المرافق العامة وفي
+
+73
+00:07:55,910 --> 00:08:01,530
+حالات الجوائح التي تجتاح والكوارث التي تجتاح في
+
+74
+00:08:01,530 --> 00:08:06,890
+بعض الأحيان أو في بعض السنوات. كلنا يعني يعرف، قلت
+
+75
+00:08:06,890 --> 00:08:11,470
+المرة الماضية أن عمر، عندما قال: " والله لو أن بغلة
+
+76
+00:08:11,470 --> 00:08:16,510
+عثرت"، عمر نفسه أيضًا رضي الله عنه، يعني في عام
+
+77
+00:08:16,510 --> 00:08:21,810
+المجاعة، كارثة، كان ينزل بنفسه ليطعم الناس بيديه، رضي
+
+78
+00:08:21,810 --> 00:08:26,740
+الله عنه. هذا كله... هذه أروع وأجلى صور التأمين، لم
+
+79
+00:08:26,740 --> 00:08:33,040
+يكن المسلمون بحاجة إلى عقد، يعني هذه عقود التأمين
+
+80
+00:08:33,040 --> 00:08:39,600
+الجزئية التي لا تغطي إلا جانبًا واحدًا جزئيًا.
+
+81
+00:08:40,590 --> 00:08:46,690
+إن الإسلام في تأمينه للإنسان كان شاملًا كاملًا لم
+
+82
+00:08:46,690 --> 00:08:51,070
+يقف عند الجوانب المادية، على أهميتها، بل قبل ذلك
+
+83
+00:08:51,070 --> 00:08:55,510
+على الجوانب النفسية والإيمانية. كما قلت ربما وأكرر
+
+84
+00:08:55,510 --> 00:09:02,230
+نفسه، الإيمان الذي يدخل القلب بدخول الإنسان للإسلام
+
+85
+00:09:02,230 --> 00:09:08,090
+هو أول صورة وأجلى وأجمل وأسمى صورة من صور
+
+86
+00:09:08,090 --> 00:09:14,630
+التأمين، التأمين... تأمين النفس من كل صور القلق و
+
+87
+00:09:14,630 --> 00:09:23,590
+من كل صور الخوف ومن كل صور الاضطراب. الإيمان الذي
+
+88
+00:09:23,590 --> 00:09:29,930
+يستقر في النفس ويصدقه العمل. الذين آمنوا وتطمئنوا
+
+89
+00:09:29,930 --> 00:09:35,190
+طُمْئِنَتْ قلوبهم بذكر الله، ألا بذكر الله تطمئن
+
+90
+00:09:35,190 --> 00:09:40,690
+القلوب. هذا هو الإسلام، فلا ليس عدم، فعدم وجود
+
+91
+00:09:40,690 --> 00:09:45,510
+التأمين، الجزء هذا، رغم ما يحققه من بعض الجوانب،
+
+92
+00:09:45,510 --> 00:09:53,910
+حقيقة عدم وجوده لم يكن علامة سلبية في حياة المسلمين
+
+93
+00:09:53,910 --> 00:09:59,910
+عندما لم يطبقوه، لأن ثمة ما هو أشمل وأكمل، بل كان
+
+94
+00:09:59,910 --> 00:10:04,330
+علامة إيجابية. وقلت إنما ظهر هذا... ظهرت الحاجة لمثل
+
+95
+00:10:04,330 --> 00:10:10,930
+هذا التأمين الجزئي الذي يغطي جانبًا فقط، جانبًا ماديًا
+
+96
+00:10:10,930 --> 00:10:19,450
+هو، هو دلنا على... على مظهر سلبي متمثل في تخلي
+
+97
+00:10:19,450 --> 00:10:27,190
+الحكومات، وتخلي و... وعدم إيجاب قوانينها و
+
+98
+00:10:27,190 --> 00:10:32,730
+دستورها على تأمين موظفيها أو تأمين مواطنيها أو
+
+99
+00:10:32,730 --> 00:10:38,150
+تأمين الناس على حياتهم كما ينبغي أن يكون على كل
+
+100
+00:10:38,150 --> 00:10:47,310
+الأحوال. لكن مع ذلك، اليوم نحن نعيش في فترة أو في ظل
+
+101
+00:10:47,310 --> 00:10:57,370
+حكومات أصبح التأمين فيها كعقد، كما قلت، هو المعمول
+
+102
+00:10:57,370 --> 00:11:02,870
+به وهو السائد وهو المنتشر. منه كان بالإجبار
+
+103
+00:11:02,870 --> 00:11:05,570
+ومنها كان بالاختيار.
+
+104
+00:11:08,940 --> 00:11:15,200
+بدأت، كما قلت، تساؤلات كثيرة حول التأمين، هذه على
+
+105
+00:11:15,200 --> 00:11:22,320
+اختلاف صوره، ما هو حكمه وما موقفه الإسلام منه، خاصة
+
+106
+00:11:22,320 --> 00:11:26,840
+أننا وجدنا صورًا متعددة أو أنواعًا متعددة من أنواع
+
+107
+00:11:26,840 --> 00:11:35,340
+التأمين تشوبها شبهة
+
+108
+00:11:36,190 --> 00:11:41,450
+تجعل الإنسان المسلم في نفسه... تجعل في نفس الإنسان
+
+109
+00:11:41,450 --> 00:11:46,310
+المسلم ريبة نحو التعامل في هذه العقود ابتداءً
+
+110
+00:11:46,310 --> 00:11:51,430
+وانتهاءً، ابتداءً في عقد أو في الإقبال على مثل هذا
+
+111
+00:11:51,430 --> 00:11:59,070
+العقد، وانتهاءً في أخذ المال أو التعويض الناتج عن
+
+112
+00:11:59,070 --> 00:12:04,880
+هذا العقد. هذا كله اقتضى منا أن نتحدث عن عقد
+
+113
+00:12:04,880 --> 00:12:11,140
+التأمين بشيء من التفصيل، وربما بدأنا يعني نتحدث عن
+
+114
+00:12:11,140 --> 00:12:14,460
+معناه في اللغة وفي الاصطلاح، لا أدري على كل
+
+115
+00:12:14,460 --> 00:12:20,180
+الأحوال. نكرر مرة أخرى ما قلنا أو نقول إن التأمين
+
+116
+00:12:20,180 --> 00:12:27,600
+في اللغة هو... هو الطمأنينة ضد الخوف. من الفعل: أمِنَ
+
+117
+00:12:27,600 --> 00:12:33,240
+يأمنوا، أمنًا وتأمينًا، أو أمِنَ. إن قولنا أمِنَ يكون
+
+118
+00:12:33,240 --> 00:12:38,420
+المصدر تأمينًا، وإن قلنا أمِنَ، فالمصدر أمن، والأمن
+
+119
+00:12:38,420 --> 00:12:44,180
+والتأمين بمعنى الأمان، وقد تكرر ورود هذه الكلمة
+
+120
+00:12:44,180 --> 00:12:47,960
+كما قلنا في كتاب الله وربما حتى في سنة رسول الله
+
+121
+00:12:47,960 --> 00:12:52,900
+صلى الله عليه وسلم في مواطن متعددة، في إشارة إلى
+
+122
+00:12:52,900 --> 00:13:03,490
+اهتمام الإسلام بالأمن البشري بشكل عام، وذكرته
+
+123
+00:13:03,490 --> 00:13:10,190
+ربما كذلك بأن يعني من أعظم النعم التي منّ الله سبحانه
+
+124
+00:13:10,190 --> 00:13:16,730
+وتعالى على خلقه الأمن، نعمة الأمن جنبًا إلى جنب مع
+
+125
+00:13:16,730 --> 00:13:22,780
+نعمة الطعام. عندما قال في الصورة القصيرة المعروفة:
+
+126
+00:13:22,780 --> 00:13:26,960
+ليلاً في قريش، ني، لا فهم رحلة الشتاء والصيف، فليعبدوا
+
+127
+00:13:26,960 --> 00:13:32,720
+رب هذا البيت الذي أطعمهم من جوع وآمنهم من خوف.
+
+128
+00:13:32,720 --> 00:13:37,000
+وقلنا إن نعمة الأمن يعني حقيقة من أعظم، أي دولة، أي
+
+129
+00:13:37,000 --> 00:13:44,380
+حتى أي إنسان، أسرة، مجتمع، دولة، يستشعر بالأمن، هذا
+
+130
+00:13:44,380 --> 00:13:52,990
+يعني أعظم، أعظم نعمة، أعظم نعمة تصغر أمامها كل النعم،
+
+131
+00:13:52,990 --> 00:13:59,710
+إذا... إذا إن عدم الأمن يعني باتت الحياة لا قيمة
+
+132
+00:13:59,710 --> 00:14:04,090
+لها، ضاعت الحياة، حتى لو توفر لك المأكل والمشرب
+
+133
+00:14:04,090 --> 00:14:10,490
+والملبس بدون أمن. على كل حال، إذا هذا بالنسبة لمعنى
+
+134
+00:14:10,490 --> 00:14:15,290
+التأمين في اللغة. أما في الاصطلاح يا إخوة، الحقيقة
+
+135
+00:14:15,290 --> 00:14:25,050
+يا إخوة، هناك منطلقان للتأمين في الاصطلاح، فيعرف أو
+
+136
+00:14:25,050 --> 00:14:31,070
+يعرفّه الباحثون والمختصون التأمين من منطلق كونه
+
+137
+00:14:31,070 --> 00:14:39,840
+فكرة ونظام، ومن منطلق كونه عقد بين الطرفين
+
+138
+00:14:39,840 --> 00:14:43,000
+بتعريف. أما
+
+139
+00:14:44,100 --> 00:14:52,300
+تعريفهم للتأمين كفكرة وكنظام، فيعرفونه بأنه نظام
+
+140
+00:14:52,300 --> 00:15:01,260
+تعاقدي، هو نظام تعاقدي يقوم على أساس المعاوضة، يعني
+
+141
+00:15:01,260 --> 00:15:06,400
+لا شك في ذلك، يعني في نوع من المعاوضة، هذا يدفع، يعني
+
+142
+00:15:06,400 --> 00:15:16,140
+وهذا يأخذ، بطريقة منظمة، لكن غايته هو التعاون
+
+143
+00:15:16,140 --> 00:15:22,700
+على... يعني على إنقاذ الناس من المصائب التي وقعوا
+
+144
+00:15:22,700 --> 00:15:27,660
+فيها، غايته هو التعاون على ترميم أضرار المخاطر
+
+145
+00:15:27,660 --> 00:15:30,860
+الطارئة،
+
+146
+00:15:30,860 --> 00:15:37,730
+من الذي يرعى هذه العملية؟ عملية إنقاذ من الخطر،
+
+147
+00:15:37,730 --> 00:15:44,910
+هيئات، جمعيات، منظمات، إلى غير ذلك، بواسطة هيئات
+
+148
+00:15:44,910 --> 00:15:50,070
+منظمة، لها دستورها، لها لائحتها، لها قوانينها،
+
+149
+00:15:50,730 --> 00:15:58,150
+تزاول هذه العقود بصورة فنية قائمة على أسس وقواعد
+
+150
+00:15:58,150 --> 00:16:04,030
+إحصائية، يعني لما هو... يعني بيفرض الدولة مثلًا أو
+
+151
+00:16:04,030 --> 00:16:10,880
+الحكومة بتفرض على الموظف 1% من مرتبه ليكون هو القسط،
+
+152
+00:16:10,880 --> 00:16:15,760
+بناءً على دراسة، وبناءً على أن هذا القسط يعني مجموعه
+
+153
+00:16:15,760 --> 00:16:20,460
+على مدار 20-30 سنة، بالإضافة إلى بعض الزيادات التي
+
+154
+00:16:20,460 --> 00:16:28,060
+تدفع من قبل الدولة، سيكون يعني مناسبًا لنهاية
+
+155
+00:16:28,060 --> 00:16:32,160
+الخدمة، أو لتغطية مكافأة نهاية الخدمة، أو لتغطية
+
+156
+00:16:32,160 --> 00:16:36,900
+راتب شهري بعد ذلك. كله مبني على دراسات. على كل
+
+157
+00:16:36,900 --> 00:16:44,840
+الأحوال، يُلاحظ أن التأمين كفكرة أو كنظام هو يعني
+
+158
+00:16:44,840 --> 00:16:50,060
+قائم على أساس أو هو مظهر من مظاهر التعاون، قائم على
+
+159
+00:16:50,060 --> 00:16:55,080
+أساس إنقاذ الناس أو ترميم الأضرار التي يقع فيها
+
+160
+00:16:55,080 --> 00:17:04,480
+الناس، وهو يعني يعتمد على أسس منظمة وقواعد دقيقة،
+
+161
+00:17:04,770 --> 00:17:12,350
+تُضبط العلاقة بين المشتركين والتأمين. بهذا المعنى
+
+162
+00:17:12,350 --> 00:17:17,350
+أيها الإخوة الكرام، كفكرة، كنظام، لا إشكال فيه، لا
+
+163
+00:17:17,350 --> 00:17:23,550
+شرعًا ولا عرفًا ولا قانونًا، ذلك أنه يمثل يعني مظهرًا من
+
+164
+00:17:23,550 --> 00:17:29,710
+المظاهر الإيجابية والتعاونية والإنسانية التي يعني
+
+165
+00:17:29,710 --> 00:17:36,000
+لا يختلف فيها اثنان، ولا ينططح فيه أو فيها عنزان.
+
+166
+00:17:36,000 --> 00:17:42,780
+على كل الأحوال، هذا بالنسبة للعقد أو للتأمين كنظام،
+
+167
+00:17:42,780 --> 00:17:49,040
+أما التأمين كعقد الآن، بدأت من حيث التطبيق، هذه
+
+168
+00:17:49,040 --> 00:17:54,620
+الفكرة، من حيث التطبيق أصبحت فكرة التأمين لها صور
+
+169
+00:17:54,620 --> 00:18:08,210
+متعددة، وأصبح هناك عقود تُنفذ، تُنفذ هذه الفكرة. فعُرِفَ ما يسمى بالتأمين كعقد، والتأمين كعقد هو عقد من
+
+170
+00:18:08,210 --> 00:18:15,070
+العقود بين طرفين، كأي عقد، أي عقد يكون بين طرفين.
+
+171
+00:18:15,070 --> 00:18:20,410
+هذان الطرفان، طرفا عقد
+
+223
+00:23:16,210 --> 00:23:19,410
+مؤسسة
+
+224
+00:23:19,410 --> 00:23:23,330
+خاصة. يعني الآن احنا بالمناسبة هيئة التأمينات
+
+225
+00:23:23,330 --> 00:23:31,110
+الاجتماعية للموظفين الحكوميين، مالهاش ارتباط يعني أو
+
+226
+00:23:31,110 --> 00:23:35,410
+بالأخرى. ليست الحكومة مسئولة عنها، ليست الحكومة
+
+227
+00:23:35,410 --> 00:23:41,090
+مسؤولة عنها مسؤولية مباشرة. فهذه هي مستقلة لها
+
+228
+00:23:41,090 --> 00:23:47,410
+مجلسها، أو مجلس إدارتها، وقانونها، وهي اللي بـ يعني لو
+
+229
+00:23:47,410 --> 00:23:51,930
+في يوم من الأيام أعلنت إفلاسها، ورطة الناس
+
+230
+00:23:51,930 --> 00:23:56,550
+المتقاعدين، أو المضطرين، ورطة. على كل الأحوال احنا مش
+
+231
+00:23:56,550 --> 00:24:02,210
+هذا همنا، لكن أقصد أن هذه الهيئات في الأصل هيئة
+
+232
+00:24:02,210 --> 00:24:05,190
+التأمين التعاوني أو الاجتماعي، في الأصل أن تقوم بها
+
+233
+00:24:05,190 --> 00:24:09,470
+الدولة، وترعاها الدولة. وفي حالات معينة ممكن تحيلها
+
+234
+00:24:09,470 --> 00:24:18,070
+لمؤسسة خاصة. من وجهة نظر عامة، من وجهة نظر، هذه المؤسسات
+
+235
+00:24:18,070 --> 00:24:25,580
+الحكومية، حقيقة لها نظام. من مقتضيات هذا النظام أن
+
+236
+00:24:25,580 --> 00:24:31,520
+يُقطَع كسب معين من الموظف أو من العامل، وفقًا
+
+237
+00:24:31,520 --> 00:24:37,740
+لإحصائيات ودراسات معينة، بحيث أنه لو وصل إلى سن
+
+238
+00:24:37,740 --> 00:24:42,580
+معينة، أو سن التقاعد المتفق عليه، أو إذا أصابه مرض
+
+239
+00:24:42,580 --> 00:24:49,320
+أو إذا لحق به حادث، أو إلى غير ذلك، تتكفل الدولة بعد
+
+240
+00:24:49,320 --> 00:24:58,000
+ذلك برعايته، أو بإعطائه المرتب، أو بإعطائه التعويض
+
+241
+00:24:58,000 --> 00:25:00,660
+المناسب.
+
+242
+00:25:01,970 --> 00:25:07,350
+إذن هذا بالنسبة لـ التأمين التعاوني؟ والتأمين
+
+243
+00:25:07,350 --> 00:25:12,470
+التعاوني يا إخوان له صور متعددة، له صور متعددة.
+
+244
+00:25:12,470 --> 00:25:15,930
+مفهومه، يعني أنتم لاحظتم احنا بنتحدث عن التأمين
+
+245
+00:25:15,930 --> 00:25:21,190
+التعاوني، يعني إما يتعلق بالشيخوخة، بالعجز،
+
+246
+00:25:21,190 --> 00:25:28,680
+بالمرض، بالحادث. يعني ومن هنا تفرعت أو تعددت صور
+
+247
+00:25:28,680 --> 00:25:35,460
+التأمين التعاوني الذي ترعاه وتقوم به الدولة. عرفنا من
+
+248
+00:25:35,460 --> 00:25:39,620
+منها أو من هذه الصور التأمينات والمعاشات اللي
+
+249
+00:25:39,620 --> 00:25:43,060
+احنا دائمًا نتداولها، والكثير من
+
+250
+00:25:46,600 --> 00:25:52,280
+الموظفين الخاصين .. الموظفين في الدوائر الخاصة بيحاولوا
+
+251
+00:25:52,280 --> 00:25:57,820
+أنهم يلتحقوا بالتأمينات الاجتماعية التي ترعاها
+
+252
+00:25:57,820 --> 00:26:03,530
+الدولة بشكل أو بآخر، من خلال، ولكن ربما يكون المبلغ
+
+253
+00:26:03,530 --> 00:26:08,110
+الذي يُخصم من الموظف عندهم أكبر قليلًا أو إلى غير ذلك.
+
+254
+00:26:08,110 --> 00:26:13,010
+يعني يُعتبر يا إخوان هذا النوع من أنواع التأمينات
+
+255
+00:26:13,010 --> 00:26:19,510
+يعني مصلحة كبرى ومصلحة عظيمة تتحقق للموظف الذي يعمل
+
+256
+00:26:19,510 --> 00:26:25,790
+على مدار ثلاثين أو أربعين عامًا. وبعد هذا العمر الطويل
+
+257
+00:26:25,790 --> 00:26:35,050
+فإذا أحيل للمعاش، لا يُترك بعد هذا كله للشارع،
+
+258
+00:26:35,050 --> 00:26:44,050
+وإنما يُعطى مرتب معين، ومكافأة معينة، تحفظ له حياة
+
+259
+00:26:44,350 --> 00:26:52,010
+كريمة في طيلة حياته، وربما لأولاده الصغار بعد مماته.
+
+260
+00:26:52,010 --> 00:26:57,410
+يمكن يمتد هذا المعاش لأولاده القصر إلى أن يبلغ كل
+
+261
+00:26:57,410 --> 00:27:01,710
+واحد منهم 18 سنة، أو إلى أن ينتهي من تعليمه، حقيقة.
+
+262
+00:27:01,710 --> 00:27:07,750
+يعني شيء جميل جدًا، شيء يحقق المصلحة، رأي الكرام
+
+263
+00:27:07,750 --> 00:27:11,690
+الإنسانية، أنه مش بعد الـ 60 أنا برميك في الشارع.
+
+264
+00:27:11,690 --> 00:27:17,980
+وبعدين، وفيها بيحصل أحيانًا كثير، يعني في بعض المؤسسات
+
+265
+00:27:17,980 --> 00:27:23,580
+الغير حكومية، حتى في أرقى المؤسسات، يعني في موظفين
+
+266
+00:27:23,580 --> 00:27:28,060
+الوكالة مثلًا، ما لهمش تأمين على شيخوختهم، مكافأة
+
+267
+00:27:28,060 --> 00:27:31,980
+مقطوعة، ورغم كبرها، ممكن يطلع وياخد 100 ألف دولار،
+
+268
+00:27:31,980 --> 00:27:37,400
+أو 200 ألف دولار، لكن بيروح بيعمل مشروع لأولاده،
+
+269
+00:27:37,400 --> 00:27:44,820
+بيحاولوا عليه، بيبنيله شغلة، وبعدين بقعد على الحديدة،
+
+270
+00:27:44,820 --> 00:27:54,470
+بقعد على الحديدة. ثم يبدأ يتكفف أولاده، ويدير لهم
+
+271
+00:27:54,470 --> 00:28:00,750
+ظهرهم أقاربهم، ويصبح بدل ما كان إنسان يعني عامل،
+
+272
+00:28:00,750 --> 00:28:05,870
+ومنتج، ومرفوع الرأس، وله كرامة، يعني تغيرت أحواله،
+
+273
+00:28:05,870 --> 00:28:12,610
+فتُدمر نفسيًا. فهذا يعني، فكأن التأمينات والمعاشات
+
+274
+00:28:12,610 --> 00:28:17,290
+يعني تُقفل، يعني، النوع من الحياة الكريمة. على كل
+
+275
+00:28:17,290 --> 00:28:22,370
+الأحوال، برضه النظر، لكن حقيقة يعني كمشروع يحقق
+
+276
+00:28:22,370 --> 00:28:28,690
+مصالح الناس، لبأس فيه، مادام يعني مادام فقط أريد أن
+
+277
+00:28:28,690 --> 00:28:34,070
+أضع قيدًا هنا، مادام غير هذا، هذا المفروض منه، مادام
+
+278
+00:28:34,070 --> 00:28:40,560
+هذا المال الذي يُجمع يُستثمر بالطرق الحلال. ورغم
+
+279
+00:28:40,560 --> 00:28:46,560
+إجماع العلماء على مشروعية، لكن عندما نجد أو يعني
+
+280
+00:28:46,560 --> 00:28:52,460
+نجد أن هذه الأموال التي تُجمع تُستثمر بالربا، أو
+
+281
+00:28:52,460 --> 00:28:56,900
+بالطرق الفاسدة، أو في مصانع خمور، أو إلى غير ذلك، هنا
+
+282
+00:28:56,900 --> 00:29:03,580
+يعني على الأقل تقع الشبهات، ويتردد الإنسان المسلم في
+
+283
+00:29:03,580 --> 00:29:07,320
+أن يضع نفسه في مثل ذلك. لكن في الوضع الطبيعي،
+
+284
+00:29:07,320 --> 00:29:12,660
+عندما يكون هذا التنظيم، كـ نظام وكفكرة، ليس فيه، خاصة إذا
+
+285
+00:29:12,660 --> 00:29:18,020
+ما استُخدمت أو استُثمرت في طريق حلال، بعيد عن الربا،
+
+286
+00:29:18,020 --> 00:29:21,540
+بعيد عن المقامرات، طبعًا إضافة إلى إشكالات أخرى.
+
+287
+00:29:21,540 --> 00:29:25,640
+على كل الأحوال، إذن نظام التأمينات والمعاشات هو
+
+288
+00:29:25,640 --> 00:29:31,490
+أحد أهم صور التأمين التعاوني الذي يُعطي مرتبًا أو
+
+289
+00:29:31,490 --> 00:29:37,050
+مكافأة مالية للموظفين عند نهاية الخدمة، تحفظ لهم
+
+290
+00:29:37,050 --> 00:29:43,710
+كرامتهم، وتؤمّن لهم حياتهم إلى أن يلقوا ربهم. النوع
+
+291
+00:29:43,710 --> 00:29:49,340
+الثاني، نظام الضمان، الضمان الاجتماعي. وهذا نظام
+
+292
+00:29:49,340 --> 00:29:53,460
+الضمان الاجتماعي غالبًا ما يكون أثناء الخدمة، أثناء
+
+293
+00:29:53,460 --> 00:29:57,020
+الخدمة، هناك نهاية الخدمة، هذا أثناء الخدمة، أثناء
+
+294
+00:29:57,020 --> 00:30:02,240
+الخدمة، الإنسان قد تعتريه حالات معينة، قد يمرض، قد
+
+295
+00:30:02,240 --> 00:30:09,640
+يصيبه حادث، قد يموت، ده بالنهاية الخدمة، آه، فهنا
+
+296
+00:30:09,640 --> 00:30:15,560
+يأتي نظام الضمان الاجتماعي، في حالة ما إذا أصابه
+
+297
+00:30:15,560 --> 00:30:20,880
+حادث. النظام الاجتماعي أو نظام الضمان .. نظام تأمين
+
+298
+00:30:20,880 --> 00:30:28,060
+الضمان الاجتماعي، يُغطي له تكاليف العلاج والرعاية
+
+299
+00:30:29,990 --> 00:30:36,030
+حتى البدلات، ممكن يستمر شهور وهو جالس على أثر
+
+300
+00:30:36,030 --> 00:30:40,770
+الحادث، فيُدفع له نفس الشهرية أو نفس المرتب اللي
+
+301
+00:30:40,770 --> 00:30:49,150
+كان بياخذه أثناء عمله، لأن هذا الحادث الذي أصابه
+
+302
+00:30:49,150 --> 00:30:54,590
+يعني لم يكن بيده، ولم يكن بيده، فكان على الدولة أو
+
+303
+00:30:54,590 --> 00:31:00,610
+على المؤسسة أن ترعاه إلى أن يشفي وأن يُعافى. وإذا
+
+304
+00:31:00,610 --> 00:31:04,750
+كان يعني ثبت أنه عنده عجز شامل أو كامل، أو ما قدرش
+
+305
+00:31:04,750 --> 00:31:09,790
+يشتغل، ممكن بعد هيك برضه يعني يُترك العمل، مقابل يعني
+
+306
+00:31:09,790 --> 00:31:13,650
+مرتّب، لكن بيكونش في العادة مثل المرتب اللي كان
+
+307
+00:31:13,650 --> 00:31:18,830
+بياخذه، نصف المرتب، ثلث المرتب، حسب الاتفاق. المهم أن
+
+308
+00:31:18,830 --> 00:31:24,890
+أنه في نوع من ضمان اجتماعي، وهذا ضمان اجتماعي
+
+309
+00:31:24,890 --> 00:31:28,790
+حقيقة يعني سواء في الإصابات، في العلاج، يتفرع عنه
+
+310
+00:31:28,790 --> 00:31:33,250
+يعني أنواع متعددة، التأمين ضد الشيخوخة، والتأمين
+
+311
+00:31:33,250 --> 00:31:41,510
+الصحي. كل هذه صور متفرعة عن التأمين التعاوني. راح تلاحظ يا
+
+312
+00:31:41,510 --> 00:31:46,350
+إخوان أن تأمين التعاون، حقيقة صورة، كما قلت، نابعة من
+
+313
+00:31:46,350 --> 00:31:51,830
+صورة التعاون المثالي، والتعاون الذي يحقق المصالح
+
+314
+00:31:51,830 --> 00:31:59,110
+للموظفين والعمال، وتكاد يعني معظم دول العالم تعمل
+
+315
+00:31:59,110 --> 00:32:04,430
+بهذا النظام، من حيث الجملة، على اختلاف في التفاصيل
+
+316
+00:32:04,430 --> 00:32:12,270
+وفي التشريعات والنسب وإلى غير ذلك. أما بالنسبة
+
+317
+00:32:12,270 --> 00:32:17,890
+للتأمين التعاوني، خليني أقول حكمه مباشرة، واضح أن
+
+318
+00:32:17,890 --> 00:32:21,650
+التأمين التعاوني ما فيهوش إشكال، كما قلت، فقط ما
+
+319
+00:32:21,650 --> 00:32:30,570
+لم تُستثمر أمواله بالربا، أو تُنمّى بطرق الحرام. أما
+
+320
+00:32:30,570 --> 00:32:34,190
+كفكرة، كنظام، لا إشكال فيها، وهو مظهر من مظاهر
+
+321
+00:32:34,190 --> 00:32:40,070
+التعاون الذي يعني نصّ عليه القرآن الكريم، وأمرنا به
+
+322
+00:32:40,070 --> 00:32:44,010
+عندما قال: تعاونوا على البر والتقوى. طيب، التأمين
+
+323
+00:32:44,010 --> 00:32:50,330
+التبادلي، ما حكايته، ما صورته، ما مفهومه؟ التأمين
+
+324
+00:32:50,330 --> 00:32:55,950
+التبادلي يا إخوان، إلى حد كبير يشبه التأمين التعاوني
+
+325
+00:32:55,950 --> 00:33:02,150
+من حيث الحكم، كما سنرى، لكن طبيعته مختلفة قليلًا، حيث
+
+326
+00:33:02,150 --> 00:33:11,250
+أن التأمين التبادلي لا تقوم به الدولة، ولا ترعاه،
+
+327
+00:33:11,250 --> 00:33:17,490
+ولكن هذا، دعني أقول، يتعلق بالعمال اللي بيشتغلوا في
+
+328
+00:33:17,490 --> 00:33:23,670
+المؤسسات الخاصة، أو بالموظفين الخصوصيين، أو
+
+329
+00:33:23,670 --> 00:33:28,650
+بالمواطنين العاديين، اللي ما بيشتغلوش، حتى مواطنين
+
+330
+00:33:28,650 --> 00:33:33,690
+أصحاب قرية معينة، يتهددهم يعني خطر معين، أي خطر،
+
+331
+00:33:33,690 --> 00:33:40,110
+يعني مثلًا قرية تسكن على ضفاف النيل، وفي كل سنة في
+
+332
+00:33:40,110 --> 00:33:47,360
+شهر ستة أو سبعة بيصير الفيضان، و .. فيهدد بعض
+
+333
+00:33:47,360 --> 00:33:53,480
+المنازل في الغرق أو إلى غير ذلك. فيتفق مثلًا أهل هذه
+
+334
+00:33:53,480 --> 00:33:57,460
+القرية على أن يأخذوا .. على أن يدفع كل فرد منهم
+
+335
+00:33:57,460 --> 00:34:05,430
+مبلغ من المال، على أنه متى يعني حدث الفيضان، وتسبب في
+
+336
+00:34:05,430 --> 00:34:12,150
+يعني دمار بيت من البيوت، أو غرقه، يقوم أهل هذه
+
+337
+00:34:12,150 --> 00:34:16,770
+القرية، من خلال هذا الصندوق أو هذا المال، بتعويض أو
+
+338
+00:34:16,770 --> 00:34:22,610
+ترميم البيت من جديد. فإذا لم يَحْدُث أي خطر، بيقولوا
+
+339
+00:34:22,610 --> 00:34:27,310
+المال محفوظ، مش بيروح، لأ، بيبقى المال محفوظ لعام القادم،
+
+340
+00:34:27,310 --> 00:34:31,390
+أو يُعاد تقسيمه إلى الناس الذين دفعوه، فهم كلهم
+
+341
+00:34:31,390 --> 00:34:38,130
+يعني مؤمنون، وكلهم مستأمنون، كلهم، ما فيش طرف وفي
+
+342
+00:34:38,130 --> 00:34:43,250
+طرف، هم المؤمنون، هم .. هم يعني جمعية تعاونية،
+
+343
+00:34:43,250 --> 00:34:43,810
+جمعية.
+
+344
+00:34:51,650 --> 00:34:55,950
+لأ لأ، شوف، يعني في فرق .. هذه الجمعيات التعاونية
+
+345
+00:34:55,950 --> 00:34:59,910
+اللي بتحكي عنها بدون برر، يعني احنا يا إخوان أحيانًا
+
+346
+00:34:59,910 --> 00:35:04,430
+على سبيل المثال، بتصير في جمعية تعاونية، أنا بدي أتزوج،
+
+347
+00:35:04,430 --> 00:35:07,590
+هذا بده يبني، هذا بده، وكذا، فبيقولوا رايك ده، يعمل
+
+348
+00:35:07,590 --> 00:35:11,250
+جمعية، كل واحد يدفع له مئة دينار، على أساس بعد عشر
+
+349
+00:35:11,250 --> 00:35:19,090
+شهور، يعني خلال عشر شهور كل واحد يدفع 100 دينار، و
+
+350
+00:35:19,090 --> 00:35:22,370
+احنا ممكن نكون 20، إذا المبلغ 2000 دينار، هذه
+
+351
+00:35:22,370 --> 00:35:26,110
+جمعيات، يعني صورة من صور التعاون، لا إشكال فيها، و
+
+352
+00:35:26,110 --> 00:35:30,450
+غالبا ما يأخذها المحتاج أولًا، والباقي بيعملوا له
+
+353
+00:35:30,450 --> 00:35:34,610
+جرعة يعني، بتحصل هذه، لكن هي دي مش هي مقصودنا يعني، و
+
+354
+00:35:34,610 --> 00:35:38,590
+ربما تعتبر صورة من صور التعاون، لكن احنا نتكلم عن
+
+355
+00:35:38,590 --> 00:35:43,040
+التأمين على خطر معين، هنا بدون خطر، بدون .. بدون
+
+356
+00:35:43,040 --> 00:35:46,880
+كارثة، يعني بيصير فيه عقود، يعني تأمينات، جمعيات،
+
+357
+00:35:46,880 --> 00:35:50,720
+لكن هنا نقصد بالجمعيات، تعاون تبادل على خطر، يعني
+
+358
+00:35:50,720 --> 00:35:56,400
+يُشتهَر بوجود خطر، يُشتهَر، كل سنة جالسين .. من
+
+359
+00:35:56,400 --> 00:35:59,240
+يوم ما عاشوا في هذا البلد، كل سنة بتروح .. بـ .. بـ
+
+360
+00:35:59,240 --> 00:36:03,580
+.. بـ .. بتدمر بيت، بيتين، وبضررهم، يشحدوا، فهم عملوا
+
+361
+00:36:03,580 --> 00:36:09,320
+مثلًا هذا الـ .. بيجي مرض بكذا، أقول لك أصحاب الحرفة
+
+362
+00:36:09,320 --> 00:36:14,950
+المعينة، العاملة يعني، أو التأمين التبادلي، أنه احنا
+
+363
+00:36:14,950 --> 00:36:18,670
+مجموعة من العمال، أو ما شابه، بنحط مثلًا مبالغ،
+
+364
+00:36:18,670 --> 00:36:22,830
+كل واحد بقدر استطاعته، أو .. وبتبقى لمدة سنة،
+
+365
+00:36:22,830 --> 00:36:26,190
+تمام؟ في حاجة أنه مثلًا صار ضرر أو كده، بيأخذ من
+
+366
+00:36:26,190 --> 00:36:30,190
+هذا الصندوق، يُعوّضه الضرر اللي صار، إذا كان يعني
+
+367
+00:36:30,190 --> 00:36:36,600
+كمية الـ .. أو المبلغ المدفوع للشخص، يعني .. هو قد
+
+368
+00:36:36,600 --> 00:36:41,680
+يكون هذا، وقد لا يكون، بمعنى إنه إذا كان الضرر أكبر
+
+369
+00:36:41,680 --> 00:36:46,480
+من مال المجموعة، ممكن يعاد الطلب، زيادة النسبة،
+
+370
+00:36:46,480 --> 00:36:50,340
+يعني احنا بدل ما ندفع 100، ندفع 150 يا جماعة،
+
+371
+00:36:50,340 --> 00:36:56,960
+وبالعكس، إذا كان الضرر أقل، يعني ممكن يُعاد، يُعاد،
+
+372
+00:36:56,960 --> 00:37:01,280
+فهي جمعية تعاونية قائمة على أساس التبرع، أساسًا
+
+373
+00:37:01,280 --> 00:37:06,280
+يعني، أنا مش بالضرورة يعني أنه أنا دفعت، يعني أني
+
+374
+00:37:06,280 --> 00:37:10,600
+آخذ، أني، مش بالضرورة أني دفعت أنه آخذ، لأ،
+
+375
+00:37:10,600 --> 00:37:15,000
+لأ، أنا دفعت هذا كتبرع من حيث المبدأ، بحيث أنه زي
+
+376
+00:37:15,000 --> 00:37:18,920
+ممكن أنا أصاب وممكن لا أصاب، فإن لم أصب، فالحمد
+
+377
+00:37:18,920 --> 00:37:23,300
+لله، إن أصيب غيري فهذا جزء من المساعدة والتبرع في
+
+378
+00:37:23,300 --> 00:37:30,020
+إيه البناء، أو في دفع الكارثة عن، يعني أحيانًا في
+
+379
+00:37:30,020 --> 00:37:34,580
+المؤسسات الخاصة، مصنع، العمال تبعينه الحكومة، مش
+
+380
+00:37:34,580 --> 00:37:40,440
+مأمنين، تأمين العمال، لكن مصنع خطر، ممكن كل يوم
+
+381
+00:37:40,440 --> 00:37:45,360
+الثاني، هذا أصبح رايح، هذا إيده رايحة، هذا مصاب كذا،
+
+382
+00:37:45,360 --> 00:37:49,780
+عمل شغلة أو صعبة أو كذا، وفي نفس الوقت يعني ما فيش
+
+383
+00:37:49,780 --> 00:37:53,980
+عندهم قانون وحكومة تتدخل في الموضوع، ما منفهمش
+
+384
+00:37:53,980 --> 00:37:58,160
+بيروحوا بينهم، هالـ أربعين وخمسين عامل يا جماعة، كل
+
+385
+00:37:58,160 --> 00:38:03,740
+واحد يتفعلوا من شهريته قرشًا معينًا، على أساس في نهاية
+
+386
+00:38:03,740 --> 00:38:06,860
+.. يعني في ما لو .. لما بيصير لا قدر الله لو أحد
+
+387
+00:38:06,860 --> 00:38:11,840
+منّا شغل منه، الصندوق يُعوّضه، لما بتعطل الأجهزة،
+
+388
+0
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/F5YbPqHXvGQ_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/F5YbPqHXvGQ_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..59c9c13b2bcccf0d0b5a7de404816c7f820c962c
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/F5YbPqHXvGQ_postprocess.srt
@@ -0,0 +1,1660 @@
+1
+00:00:21,280 --> 00:00:26,200
+بسم الله الرحمن الرحيم الحمد
+
+2
+00:00:26,200 --> 00:00:30,900
+لله والصلاة والسلام على رسول الله وعلى آله وصحبه
+
+3
+00:00:30,900 --> 00:00:35,900
+ومن اهتدأ بهديه واستنى بصناته إلى يوم الدين وبعد
+
+4
+00:00:35,900 --> 00:00:41,280
+بدأنا
+
+5
+00:00:41,280 --> 00:00:46,100
+المرة الماضية في الحديث عن التامين وكانت محاضراتنا
+
+6
+00:00:46,100 --> 00:00:55,540
+عبارة عن مقدمة عامة حول التامينربما طوفنا فيها حول
+
+7
+00:00:55,540 --> 00:01:03,900
+نشأة التأمين أو حول البذور والجذور لظهور عقود
+
+8
+00:01:03,900 --> 00:01:13,580
+التأمين ولكن ما صلطنا الضوء عليه هو أننا لم نجد
+
+9
+00:01:13,580 --> 00:01:21,410
+عقود التأمين بصورها الحاليةموجودة في ظل الدولة
+
+10
+00:01:21,410 --> 00:01:28,570
+الإسلامية وذلك على مدار نحو 12 قرن وبالتالي
+
+11
+00:01:28,570 --> 00:01:34,410
+كان هذا سبب لطرح التساؤل اللي ربما شغلنا معظم
+
+12
+00:01:34,410 --> 00:01:42,030
+محاضرتنا فيه وهو لماذا تغافلت أو غافلت الأمة
+
+13
+00:01:42,030 --> 00:01:51,990
+الإسلامية عن هذا العقدو تطبيقه رغم ما يحققه هذا
+
+14
+00:01:51,990 --> 00:01:59,850
+العقد عقد التأمين من مصالح واهداف كثيرة ذكرنا منها
+
+15
+00:01:59,850 --> 00:02:10,550
+ان عقود التأمين تحقق انقاذ من وقعت لهم كوارث
+
+16
+00:02:10,550 --> 00:02:17,220
+ومصابات بحيث انها تكونجنبا إلى جنب معاهم في
+
+17
+00:02:17,220 --> 00:02:23,340
+الأزمات كما الصديق والصاحب المخلص اللي بيكون عامل
+
+18
+00:02:23,340 --> 00:02:28,500
+تأمين ووجه في أزمة يعني التأمين بيكون واقف لجنبه
+
+19
+00:02:28,500 --> 00:02:33,220
+وبينقذه من الأزمة وبيخفف عنه هذه الكارثة من خلال
+
+20
+00:02:33,220 --> 00:02:40,640
+تعويضه المالي او دفع عنه او تحمل الأعباء المالية
+
+21
+00:02:40,640 --> 00:02:48,130
+عن ما وقع فيهوإضافة إلى ذلك قلنا إن التأمين حتى
+
+22
+00:02:48,130 --> 00:02:51,730
+على صعيد المجتمع حتى على صعيد الفرد قد يكون سببا
+
+23
+00:02:51,730 --> 00:02:56,150
+في التنمية الاقتصادية بشكل عام حيث إن شركات
+
+24
+00:02:56,150 --> 00:03:02,550
+التأمين أو الجهات المؤمنة تجمع أكبر قدر ممكن من
+
+25
+00:03:02,550 --> 00:03:05,890
+الأموال من خلال هذه الأقصاد التي يدفعها هؤلاء
+
+26
+00:03:05,890 --> 00:03:11,370
+الأفراد المشتركونفي عملية التأمين فتكونوا دافعا
+
+27
+00:03:11,370 --> 00:03:18,150
+لهم لاستثمارها فيما فيه أو بما يعودوا بالمصلحة
+
+28
+00:03:18,150 --> 00:03:24,300
+والتنمية على المجتمعكذلك هو نوع من أنواع الادخار
+
+29
+00:03:24,300 --> 00:03:29,740
+كما قلنا كأن الذي يشارك في التأمين ويدفع قسطا
+
+30
+00:03:29,740 --> 00:03:36,920
+معينا كأنما يدخر قسطا معينا لنفسه في حال تعرضه
+
+31
+00:03:36,920 --> 00:03:44,760
+للحاجة أو تعرضه للأزمة فيجد مجموعة مدخره وزيادة
+
+32
+00:03:44,760 --> 00:03:49,520
+ضعفة إلى كل ذلك فربما يكون عقل التأمين منزوي على
+
+33
+00:03:49,520 --> 00:03:56,060
+الأقلسببًا من أسباب الاستقرار بشكل عام وسببًا من
+
+34
+00:03:56,060 --> 00:04:02,360
+أسباب الألفة والمحبةذلك أن الإنسان إذا ما وقع في
+
+35
+00:04:02,360 --> 00:04:08,280
+كارثة أيها الإخوة ولم يجد أحدا أو جهة تقف معاه
+
+36
+00:04:08,280 --> 00:04:16,840
+لتنقظه ومن أزمته وتقف بجانبه فإنه يعني يكره الناس
+
+37
+00:04:16,840 --> 00:04:22,140
+جميعا فإنه في هذه الحالة يحقدوا على الناس فإنه في
+
+38
+00:04:22,140 --> 00:04:26,310
+هذه الحالة يصبحوا إنساناأو ربما تكون هذه الأزمة
+
+39
+00:04:26,310 --> 00:04:32,510
+بداية لصناعة إنسان شرير، إنسان مجرم حاقد على
+
+40
+00:04:32,510 --> 00:04:38,890
+المجتمع، لكن بينما إذا ما وجد مام أو جهة ما تقف
+
+41
+00:04:38,890 --> 00:04:45,090
+بجانبه، فإنه استشار بالاستقرار والمحبة والألفة
+
+42
+00:04:45,090 --> 00:04:49,490
+لمجتمعه، وتكون هذه ربما بداية انقلاق لي كي يكون
+
+43
+00:04:50,540 --> 00:04:55,600
+مواطنا صالحا فاحنا قلنا كل هذه المعاني اللتي ربما
+
+44
+00:04:55,600 --> 00:04:59,700
+تتحقق من خلال التأمين بشكل عام و ليس بالضرورة هذا
+
+45
+00:04:59,700 --> 00:05:06,860
+النوع او ذاك بشكل عام هالغابت عن المسلمين على مدار
+
+46
+00:05:06,860 --> 00:05:11,580
+12 قرن فلم يلتفتوا حيث اننا لم نجد عقدا من عقود
+
+47
+00:05:11,580 --> 00:05:17,450
+التأمين او لو لم نجد ظاهرة التعاقدعلى التأمينات
+
+48
+00:05:17,450 --> 00:05:24,590
+موجودة عندهم وكانت الإجابات منكم بأن التأمين أو
+
+49
+00:05:24,590 --> 00:05:30,710
+بأن الإسلام عرف التأمينة ولكن بشكل أوسع وبشكل أشمل
+
+50
+00:05:30,710 --> 00:05:39,880
+وبشكلأيضًا أكثر يعني تكاملية عرفه عندما قرر ربنا
+
+51
+00:05:39,880 --> 00:05:45,780
+سبحانه وتعالى قوله وتعاونوا على البر والتقوى ولا
+
+52
+00:05:45,780 --> 00:05:51,020
+تعاونوا على الإثم والهدوان والتأمين صورة واحدة فقط
+
+53
+00:05:51,120 --> 00:05:57,200
+من صور التعاون التي يقررها الإسلام قرره أو عرفه
+
+54
+00:05:57,200 --> 00:06:01,220
+عندما قال رسول الله صلى الله عليه وسلم مثل
+
+55
+00:06:01,220 --> 00:06:06,820
+المؤمنين في تودهم و تراحمهم ألسنا نقول قبل قليل أن
+
+56
+00:06:06,820 --> 00:06:11,380
+التأمين سبب من أسباب المودة و الألفة و الرحمة هذا
+
+57
+00:06:11,380 --> 00:06:15,680
+هو الإسلام أيضا في تودهم و تعاطفهم و تراحمهم كمثل
+
+58
+00:06:15,680 --> 00:06:20,630
+الجسد الواحدإذا اشتكى منه عضو، متى يشتكي الإنسان
+
+59
+00:06:20,630 --> 00:06:27,200
+في حالة الأزمات؟ فالتوجيه الإسلامي الشامليخاطبوا
+
+60
+00:06:27,200 --> 00:06:32,600
+الناس بأن يقفوا إلى جانب أو يخاطبوا المسلمين بأن
+
+61
+00:06:32,600 --> 00:06:36,800
+يقفوا إلى جانب بعضهم البعض في حالة الأزمات هذا هو
+
+62
+00:06:36,800 --> 00:06:42,400
+اسلامنا ثم وذكرنا يعني غير هذا التوجيه العام
+
+63
+00:06:42,400 --> 00:06:47,660
+توجيهات تفصيلية أو أحكام تفصيلية ربما تكون أكتر
+
+64
+00:06:47,660 --> 00:06:52,620
+الزامةفي حالة العاقلة في حالة .. وهي من أكثر يعني
+
+65
+00:06:52,620 --> 00:06:58,680
+صور التعاون أو أكثر صور التأمين عندما يتسبب
+
+66
+00:06:58,680 --> 00:07:06,980
+الإنسان في قتل آخر خطأ تجد أن الإسلام ألزم عائلته
+
+67
+00:07:06,980 --> 00:07:15,040
+عاقلته أهله حرفته ربما حتى ومهنته أن يتعاونوا لدفع
+
+68
+00:07:15,040 --> 00:07:25,860
+دية هذا المقتولنظام الذكاء الذي لم تعرفه الأمم غير
+
+69
+00:07:25,860 --> 00:07:32,640
+الأمة الإسلامية بهذه التفصيل وبهذه الدقة وبهذه
+
+70
+00:07:32,640 --> 00:07:40,700
+الصورة من صور التكافل أيضا هو نظام تأمين شامل نظام
+
+71
+00:07:40,700 --> 00:07:43,200
+تحمل مسئوليات الدولة
+
+72
+00:07:48,690 --> 00:07:55,910
+وتحمل واجباتها نحو أفرادها في المرافق العامة وفي
+
+73
+00:07:55,910 --> 00:08:01,530
+حالات الجوائح التي تجتاح والكوارث التي تجتاح في
+
+74
+00:08:01,530 --> 00:08:06,890
+بعض الأحوال أو في بعض السنينكلنا يعني يعرف قلت
+
+75
+00:08:06,890 --> 00:08:11,470
+المرة الماضية أن عمر عندما قال والله لو أن بغلة
+
+76
+00:08:11,470 --> 00:08:16,510
+عثرت عمر نفسه أيضا رضي الله عنهم يعني في عام
+
+77
+00:08:16,510 --> 00:08:21,810
+المجاعة كارثة كان ينزل بنفسه ليطعم الناس بيديه رضي
+
+78
+00:08:21,810 --> 00:08:26,740
+الله عنهمهذا كله .. هذه أروع وأجلى صور التأمين لم
+
+79
+00:08:26,740 --> 00:08:33,040
+يكن المسلمون بحاجة إلى عقد يعني هذه عقول التأمين
+
+80
+00:08:33,040 --> 00:08:39,600
+الجزئية التي لا تغطي إلا جانبا واحدا جزئيا
+
+81
+00:08:40,590 --> 00:08:46,690
+إن الإسلام في تأمينه للإنسان كان شاملا كاملا لم
+
+82
+00:08:46,690 --> 00:08:51,070
+يقف عند الجوانب حتى المادية على أهميتها بل قبل ذلك
+
+83
+00:08:51,070 --> 00:08:55,510
+على الجوانب النفسية الإيمان كما قلت ربما وأكرر
+
+84
+00:08:55,510 --> 00:09:02,230
+نفسه الإيمان الذي يدخلالقلب بدخول الإنسان للإسلام
+
+85
+00:09:02,230 --> 00:09:08,090
+هو أول صورة و أجلى و أجمل و أسمع صورة من صور
+
+86
+00:09:08,090 --> 00:09:14,630
+التأمين التأمين .. تأمين النفس من كل صور القلق و
+
+87
+00:09:14,630 --> 00:09:23,590
+من كل صور الخوف و من كل صور الإضطراب الإيمانالذي
+
+88
+00:09:23,590 --> 00:09:29,930
+يستقر في النفس ويصدقه العمل الذين آمنوا وتطمئنوا
+
+89
+00:09:29,930 --> 00:09:35,190
+تأمن يعني قلوبهم بذكر الله ألا بذكر الله تطمئن
+
+90
+00:09:35,190 --> 00:09:40,690
+القلوب هذا هو الإسلام فلا فليس عدم فعدم وجود
+
+91
+00:09:40,690 --> 00:09:45,510
+التأمين الجزء هذا رغم ما يحققه من بعض الجوانب
+
+92
+00:09:45,510 --> 00:09:53,910
+حقيقة عدم وجوده لم يكن علامة سلبيةفي حياة المسلمين
+
+93
+00:09:53,910 --> 00:09:59,910
+عندما لم يطبقوه لأن ثمة ما هو أشمل وأكمل بل كان
+
+94
+00:09:59,910 --> 00:10:04,330
+علامة إيجابية وقلت إنما ظهر هذا ..ظهرت الحاجة لمثل
+
+95
+00:10:04,330 --> 00:10:10,930
+هذا التأمين الجزءي الذي يغطي جانبا فقط جانبا ماديا
+
+96
+00:10:10,930 --> 00:10:19,450
+هوهو دلنا على .. على مظهر سلبي متمثل في تخلي
+
+97
+00:10:19,450 --> 00:10:27,190
+الحكومات وتخلي و .. و عدم اجتمال قوانينها و
+
+98
+00:10:27,190 --> 00:10:32,730
+دستيرها على تأمين موظفيها أو تأمين مواطنيها أو
+
+99
+00:10:32,730 --> 00:10:38,150
+تأمين الناس على حياتهم كما ينبغي ان يكون على كل
+
+100
+00:10:38,150 --> 00:10:47,310
+الأحواللكن مع ذلك اليوم نحن نعيش في فترة أو في ظل
+
+101
+00:10:47,310 --> 00:10:57,370
+حكومات أصبح التأمين فيها كعقد كما قلت هو المعمول
+
+102
+00:10:57,370 --> 00:11:02,870
+به وهو السائد وهو المنتشر منهما كان بالإجبار
+
+103
+00:11:02,870 --> 00:11:05,570
+ومنهما كان بالاختيار
+
+104
+00:11:08,940 --> 00:11:15,200
+بدأت كما قلت تساؤلات كثيرة حول التأمين هذه على
+
+105
+00:11:15,200 --> 00:11:22,320
+اختلاف صوره ما هو حكمه وما موقفه الإسلام منه خاصة
+
+106
+00:11:22,320 --> 00:11:26,840
+أننا وجدنا صور متعددة أو أنواع متعددة من أنواع
+
+107
+00:11:26,840 --> 00:11:35,340
+التأمين تشوبها شبهة
+
+108
+00:11:36,190 --> 00:11:41,450
+تجعل الإنسان المسلم في نفسه .. تجعل في نفس الإنسان
+
+109
+00:11:41,450 --> 00:11:46,310
+المسلم ريبة نحو التعامل في هذه الرقود ابتداء
+
+110
+00:11:46,310 --> 00:11:51,430
+وانتهاء ابتداء في عقد أو في الإقبال على مثل هذا
+
+111
+00:11:51,430 --> 00:11:59,070
+العقد وانتهاء في أخذ المال أو التعويض الناتج عن
+
+112
+00:11:59,070 --> 00:12:04,880
+هذا العقدهذا كله اقتبر مننا ان نتحدث عن عقد
+
+113
+00:12:04,880 --> 00:12:11,140
+التأمين بشيء من التفصيل و ربما بدأنا يعني نتحدث عن
+
+114
+00:12:11,140 --> 00:12:14,460
+معناه في اللغة و في الاصطلاح لا ادري على كل
+
+115
+00:12:14,460 --> 00:12:20,180
+الأحوال نكرر المرة أخرىما قلنا او نقول ان التأمين
+
+116
+00:12:20,180 --> 00:12:27,600
+في اللغة هو .. هو الطمأنينة ضد الخوف من الفعل أمنا
+
+117
+00:12:27,600 --> 00:12:33,240
+يأمنوا أمنا وتأمينا او أمنا ان قولنا أمنافيكون
+
+118
+00:12:33,240 --> 00:12:38,420
+المصدر تأمينا وإن قلنا أمنا فالمصدر أمن والأمن
+
+119
+00:12:38,420 --> 00:12:44,180
+والتأمين بمعنى لقمئنان وقد تكرر ورود هذه الكلمة
+
+120
+00:12:44,180 --> 00:12:47,960
+كما قلنا في كتاب الله وربما حتى في سنة رسول الله
+
+121
+00:12:47,960 --> 00:12:52,900
+صلى الله عليه وسلم في مواطن متعددة في إشارة إلى
+
+122
+00:12:52,900 --> 00:13:03,490
+اهتمام الإسلام بالأمن والبشري بشكلبشكل عام و ذكرته
+
+123
+00:13:03,490 --> 00:13:10,190
+ربما كذلك بأن يعني من أعظم ممتنة بيه الله سبحانه
+
+124
+00:13:10,190 --> 00:13:16,730
+وتعالى على خلقه الأمن، نعمة الأمن جنبا إلى جنب مع
+
+125
+00:13:16,730 --> 00:13:22,780
+نعمةالاطعام عندما قال في الصورة القصيرة المعروفة
+
+126
+00:13:22,780 --> 00:13:26,960
+ليلا في قريشني لا فهم رحلة الشتاء والصيف فليعبدوا
+
+127
+00:13:26,960 --> 00:13:32,720
+رب هذا البيت الذي أطعمهم من جوع و آمنهم من خوفه
+
+128
+00:13:32,720 --> 00:13:37,000
+وقلنا إن نعمة الأمن يعني حقيقة من أعظم أي دولة أي
+
+129
+00:13:37,000 --> 00:13:44,380
+حتى أي إنسان أسرة مجتمع دولة يستشعر بالأمن هذا
+
+130
+00:13:44,380 --> 00:13:52,990
+يعني أعظم أعظم نعمةأعظم نعمة تصغر أمامها كل النعم،
+
+131
+00:13:52,990 --> 00:13:59,710
+إذا .. إذا إن عدم الأمن يعني باتت الحياة لا قيمة
+
+132
+00:13:59,710 --> 00:14:04,090
+لها، طربت الحياة، حتى لو توفر لك المأكل والمشرب
+
+133
+00:14:04,090 --> 00:14:10,490
+والملبس بدون أمنعلى كل حال إذا هذا بالنسبة لمعنى
+
+134
+00:14:10,490 --> 00:14:15,290
+التأمين في اللغة أما في الاصطلاح يا إخوة الحقيقة
+
+135
+00:14:15,290 --> 00:14:25,050
+يا إخوة هناك منطلقان للتأمين في الاصطلاح فيعرف أو
+
+136
+00:14:25,050 --> 00:14:31,070
+يعرفوا الباحثون والمختصون التأمين من منطلق كونه
+
+137
+00:14:31,070 --> 00:14:39,840
+فكرة ونظام بتعريف ومن منطلق كونه عقدبين الطرفين
+
+138
+00:14:39,840 --> 00:14:43,000
+بتعريف اما
+
+139
+00:14:44,100 --> 00:14:52,300
+تعريفهم للتأمين كفكرة وكنظام فيعرفونه بأنه نظام
+
+140
+00:14:52,300 --> 00:15:01,260
+تعاقدي هو نظام تعاقدي يقوم على أساس المعاوضة يعني
+
+141
+00:15:01,260 --> 00:15:06,400
+لا شك في ذلك يعني في نوع من المعاوضة هذا يدفع يعني
+
+142
+00:15:06,400 --> 00:15:16,140
+وهذا يأخذ بطريقة منظمة لكن ما غيتهغايته هو التعاون
+
+143
+00:15:16,140 --> 00:15:22,700
+على .. يعني على إنقاذ الناس من المصائب التي وقعوا
+
+144
+00:15:22,700 --> 00:15:27,660
+فيها، غايته هو التعاون على ترميم أضرار المخاطر
+
+145
+00:15:27,660 --> 00:15:30,860
+الطارئة،
+
+146
+00:15:30,860 --> 00:15:37,730
+من الذي يرعى هذه العملية؟عملية إنقاذ من الخطر،
+
+147
+00:15:37,730 --> 00:15:44,910
+هيئات، جمعيات، منظمات، إلى غير ذلك، بواسطة هيئات
+
+148
+00:15:44,910 --> 00:15:50,070
+منظمة، إلها دستورها، إلها لائحتها، إلها قوانينها
+
+149
+00:15:50,730 --> 00:15:58,150
+تزاول هذه الوقود بصورة فنية قائمة على أسس وقواعد
+
+150
+00:15:58,150 --> 00:16:04,030
+إحصائية يعني لما هو يعني بيفرض الدولة مثلا أو
+
+151
+00:16:04,030 --> 00:16:10,880
+الحكومة بتفرض على الموظف1% من مرتبه ليكون هو القصد
+
+152
+00:16:10,880 --> 00:16:15,760
+بناء على دراسة وبناء على ان هذا القصد يعني مجموعه
+
+153
+00:16:15,760 --> 00:16:20,460
+على مدار 20-30 سنة بالاضافة إلى بعض الزيادات التي
+
+154
+00:16:20,460 --> 00:16:28,060
+تدفع من قبل الدولة سيكون يعني مناسبا لنهاية
+
+155
+00:16:28,060 --> 00:16:32,160
+الخدمة او لتغطية مكافأة نهاية الخدمة او لتغطية
+
+156
+00:16:32,160 --> 00:16:36,900
+مرتب شهري بعد ذلك كله مبني على دراساتعلى كل
+
+157
+00:16:36,900 --> 00:16:44,840
+الأحوال يلاحظ أن التأمين كفكرة أو كنظام هو يعني
+
+158
+00:16:44,840 --> 00:16:50,060
+قائم على أساس أو هو مظهر من مظاهر التعاون قائم على
+
+159
+00:16:50,060 --> 00:16:55,080
+أساس إنقاذ الناس أو ترميم الأخطار التي يقع فيها
+
+160
+00:16:55,080 --> 00:17:04,480
+الناس وهو يعني يعتمد على أسس منظمة وقواعد دقيقة
+
+161
+00:17:04,770 --> 00:17:12,350
+تظبطوا العلاقة بين المشتركين والتأمين بهذا المعنى
+
+162
+00:17:12,350 --> 00:17:17,350
+أيها الإخوة الكرام كفكرة كنظام لا إشكال فيه لا
+
+163
+00:17:17,350 --> 00:17:23,550
+شرعا ولا عرفا ولا قانونا ذلك أنه يمثل يعني مظهر من
+
+164
+00:17:23,550 --> 00:17:29,710
+المظاهر الإيجابية والتعاونية والإنسانية التي يعني
+
+165
+00:17:29,710 --> 00:17:36,000
+لا يختلف فيهاإثنان و لا ينططح فيه أو فيها عنزان
+
+166
+00:17:36,000 --> 00:17:42,780
+على كل الأحوال هذا بالنسبة للعقد أو للتأمين كنظام
+
+167
+00:17:42,780 --> 00:17:49,040
+أما التأمين كعقد الآن بدأت من حيث التطبيق هذه
+
+168
+00:17:49,040 --> 00:17:54,620
+الفكرة من حيث التطبيق أصبحت فكرة التأمين لها صور
+
+169
+00:17:54,620 --> 00:18:08,210
+متعددة و أصبح هناكعقود تنفذ تنفذ هذه الفكرة فعرفها
+
+170
+00:18:08,210 --> 00:18:15,070
+ما يسمى بالتأمين كعقد والتأمين كعقد هو عقد من
+
+171
+00:18:15,070 --> 00:18:20,410
+العقود بين طرفين كأي عقد أي عقد يكون بين طرفين
+
+172
+00:18:20,410 --> 00:18:26,760
+هؤلاء الطرفانطرفي عقد التأمين أحدهم يسمى مؤمن
+
+173
+00:18:26,760 --> 00:18:35,420
+والثاني يسمى مؤمن له او مستأمن مؤمن له او مستأمن
+
+174
+00:18:35,420 --> 00:18:45,360
+مقتضر هذا العقد ان يلتزم المؤمن المؤمن شركة دولة
+
+175
+00:18:45,360 --> 00:18:51,700
+جماعية احنا لسه برضه هذا ماحددناش ان يلتزم المؤمن
+
+176
+00:18:52,720 --> 00:19:01,380
+بدفع مبلغ من المال للمؤمن له متى وكيف حالة وقوع
+
+177
+00:19:01,380 --> 00:19:06,600
+الخطر المتفق عليه بينهما، مش أي خطر كمان، مش أي
+
+178
+00:19:06,600 --> 00:19:11,140
+خطر، احنا اتفقنا على خطر معين، حالة وقوع الخطر
+
+179
+00:19:11,140 --> 00:19:16,520
+المتفق عليه بينهما مقابل ماذا؟لماذا يدفع هذا
+
+180
+00:19:16,520 --> 00:19:21,140
+المؤمن وفق مقتضيات هذا العقد الذي يلزمه بالدفع
+
+181
+00:19:21,140 --> 00:19:29,160
+ويلزم مقابل أن يقوم المؤمن له أو أن يلتزم المؤمن
+
+182
+00:19:29,160 --> 00:19:34,840
+له بدفع قصد شهري أو سنوي
+
+183
+00:19:38,320 --> 00:19:46,680
+للمؤمن هذه .. هذه هي .. هذا هو تعريف التأمين كعقد
+
+184
+00:19:46,680 --> 00:19:51,120
+وهو اللي يمكن سيشار إليه عند الحديث عن التأمين
+
+185
+00:19:51,120 --> 00:19:54,400
+التجاري مش مشار إليه في الأول لكن هو اللي .. اللذي
+
+186
+00:19:54,400 --> 00:19:58,850
+سيشار إليه عند الحديث عن التأمينالتجارة على كل
+
+187
+00:19:58,850 --> 00:20:03,110
+الأحوال الآن يا إخوة بعد أن عرفنا التامين أو عرفنا
+
+188
+00:20:03,110 --> 00:20:06,430
+التامين في اللغة أو في الاصطلاح ننتقل إلى بيان
+
+189
+00:20:06,430 --> 00:20:11,270
+أنواعه يعني مرورا أو وصولا إلى حكمه لأنه احنا
+
+190
+00:20:11,270 --> 00:20:14,890
+بهمنا في الآخر الحكم لكن عشان نعرف الحكم كما قلنا
+
+191
+00:20:14,890 --> 00:20:20,050
+لابد من التعرف على الأنواع التامين يا إخوة في له
+
+192
+00:20:20,050 --> 00:20:25,290
+صور يعني دعني أقول لا متناهيةمتعددة وكثيرة لكن
+
+193
+00:20:25,290 --> 00:20:31,590
+مجمع هذه الصور تقود الى ثلاثة أنواع رئيسية التأمين
+
+194
+00:20:31,590 --> 00:20:39,050
+التعاونى والتأمين التبادلى والتأمين التجارى وحليني
+
+195
+00:20:39,050 --> 00:20:45,410
+احط التأمين التعاونى والتبادلى في خانة و التأمين
+
+196
+00:20:45,410 --> 00:20:47,970
+التجارى في خانة اخرى
+
+197
+00:20:50,490 --> 00:20:55,650
+الان التأمين التعاونى ما هو وما هي أنواعه وما هي
+
+198
+00:20:55,650 --> 00:21:05,790
+صوره ايضا وخصائصه وحكمه وكذلك التأمين التبادلى ومن
+
+199
+00:21:05,790 --> 00:21:13,460
+بعد ذلك التجارة التأمين التعاونى يا اخوةأولا يسمى
+
+200
+00:21:13,460 --> 00:21:18,180
+كذلك بالتأمين الاجتماعي التأمين التعاوني أو
+
+201
+00:21:18,180 --> 00:21:24,160
+التأمين الاجتماعي ويمكن معظم أو كثير من الدول تعبر
+
+202
+00:21:24,160 --> 00:21:27,420
+عنه بهذا التعبير اللي هو التأمين الاجتماعي أو
+
+203
+00:21:27,420 --> 00:21:31,880
+التأمينات الاجتماعية وفى لوائحهم يعني لو عندنا في
+
+204
+00:21:31,880 --> 00:21:36,060
+فلسطين هيئة التأمينات الاجتماعية اللتي تقوم بها
+
+205
+00:21:36,060 --> 00:21:40,760
+الدولة لرعاية الموظفينوهذا التأمين اي التأمين
+
+206
+00:21:40,760 --> 00:21:46,960
+التعاوني تقوم به الدولة او الاجتماعي تقوم به
+
+207
+00:21:46,960 --> 00:21:54,440
+الدولة او الحكومة تحقيقا لمصالح او رعاية لمصالح
+
+208
+00:21:54,440 --> 00:22:04,030
+موظفيها وعمالهاعندما يعني يلحق بهم ضرر معين من
+
+209
+00:22:04,030 --> 00:22:11,090
+إصابة أو شيخوخة أو مرض أو عجز أو يعني سن وصول إلى
+
+210
+00:22:11,090 --> 00:22:19,250
+سن يعني كده، إذا أهم ما يُصف بيه أو ما يميزالتأمين
+
+211
+00:22:19,250 --> 00:22:24,030
+التعاوني أن التأمين أنها يعني تقوم به الدولة طبعا
+
+212
+00:22:24,030 --> 00:22:28,170
+كيف تقوم وعلى أي أساس احنا قلنا فكرة التأمين تقوم
+
+213
+00:22:28,170 --> 00:22:34,730
+على أساس وقواعد حصائية وفنية فيه يا إخوان أولا
+
+214
+00:22:34,730 --> 00:22:39,790
+يعني التأمين التعاوني تقوم عليه الدولة الدولة تفرز
+
+215
+00:22:39,790 --> 00:22:45,550
+مؤسسة أو هيئةأما أن تكون حتى تابعة لها وأحياناً
+
+216
+00:22:45,550 --> 00:22:48,310
+ربما تصبح خاصة لكن تحت رعايتها لها الا ان
+
+217
+00:22:48,310 --> 00:22:52,390
+بالمناسبة يعني احنا كفلسطينيين هنا كانت مؤسسة
+
+218
+00:22:52,390 --> 00:22:56,450
+التأمينات الاجتماعية تابعة للحكومة لكن الحكومة
+
+219
+00:22:56,450 --> 00:23:02,730
+يعني للمنظمة احنا يعني باعتبارولكن بعد ما صار شوية
+
+220
+00:23:02,730 --> 00:23:07,750
+يعني هيك اعتداءات على هذه الهيئة ما هو مال الحكومة
+
+221
+00:23:07,750 --> 00:23:11,650
+دايما لما تكون الحكومة فاسدة بصير فيه اعتداءات على
+
+222
+00:23:11,650 --> 00:23:16,210
+أموال الحكومة فصار فيه نوع من الخوف حولوها إلى
+
+223
+00:23:16,210 --> 00:23:19,410
+مؤسسة
+
+224
+00:23:19,410 --> 00:23:23,330
+خاصة يعني الآن احنا بالمناسبة هيئة التأمينات
+
+225
+00:23:23,330 --> 00:23:31,110
+الاجتماعية الموظفين الحكوميمالهاش ارتباط يعني او
+
+226
+00:23:31,110 --> 00:23:35,410
+بالاخرى ليست الحكومة مسئولة عنها ليست الحكومة
+
+227
+00:23:35,410 --> 00:23:41,090
+مسئولة عنها مسئولية مباشرة فهذه هي مستقلة الها
+
+228
+00:23:41,090 --> 00:23:47,410
+مجلسها او مجلس إدارتها وقانونها وهي اللي بيعني لو
+
+229
+00:23:47,410 --> 00:23:51,930
+في يوم من الأيام أعلنت إفلازها ورطة الناس
+
+230
+00:23:51,930 --> 00:23:56,550
+المتقائدين او المضطرين ورطةعلى كل الأحوال احنا مش
+
+231
+00:23:56,550 --> 00:24:02,210
+هذا همنا لكن اقصد ان هذه الاقيات في الاصل هيئة
+
+232
+00:24:02,210 --> 00:24:05,190
+التميين التعاوني او الاجتماعي في الاصل ان تقوم بها
+
+233
+00:24:05,190 --> 00:24:09,470
+الدولة وتراعها الدولة وفي حالات معينة ممكن تحيلها
+
+234
+00:24:09,470 --> 00:24:18,070
+لمؤسسة خاصة من وجه وعامة من وجه هذه المؤسسات
+
+235
+00:24:18,070 --> 00:24:25,580
+الحكومية حقيقةلها نظام من مقتضيات هذا النظام ان
+
+236
+00:24:25,580 --> 00:24:31,520
+يقططع كسب معين من الموظف او من العامل وفقا
+
+237
+00:24:31,520 --> 00:24:37,740
+لاحصائيات ودراسات معينة بحيث انه لو وصل الى سن
+
+238
+00:24:37,740 --> 00:24:42,580
+معينة او سن التقاعد المتفق عليه او اذا اصابه مرض
+
+239
+00:24:42,580 --> 00:24:49,320
+او اذا لاحق به حادث او الى غير ذلكتتكفل الدولة بعد
+
+240
+00:24:49,320 --> 00:24:58,000
+ذلك برعيته او باطائه المرتب او باطائه التعويض
+
+241
+00:24:58,000 --> 00:25:00,660
+المناسب
+
+242
+00:25:01,970 --> 00:25:07,350
+إذا هذا بالنسبة ليه التأمين التعاوني؟ والتأمين
+
+243
+00:25:07,350 --> 00:25:12,470
+التعاوني يا إخوة له صور متعددة، له صور متعددة
+
+244
+00:25:12,470 --> 00:25:15,930
+مفهومه، يعني انتوا لاحظته احنا بنتحدث عن التأمين
+
+245
+00:25:15,930 --> 00:25:21,190
+التعاوني، يعني إما يتعلق بالشيخوخة، بالعجز،
+
+246
+00:25:21,190 --> 00:25:28,680
+بالمرض، بالحادثيعني ومن هنا تفرعت او تعددت صور
+
+247
+00:25:28,680 --> 00:25:35,460
+التأمين التعاونى اللى تراعاه وتقوم به الدولة فعرفة
+
+248
+00:25:35,460 --> 00:25:39,620
+منها او من هذه الصور التأمينات والمعاشرات اللى
+
+249
+00:25:39,620 --> 00:25:43,060
+احنا دايما نتداولها والكثير من
+
+250
+00:25:46,600 --> 00:25:52,280
+الموظفين الخاص .. الموظفين الدوائر الخاصة بيحاولوا
+
+251
+00:25:52,280 --> 00:25:57,820
+انهم يلتحقوا بالتأمينات الاجتماعية التي ترعاها
+
+252
+00:25:57,820 --> 00:26:03,530
+الدولة بشكل او باخرمن خلال ولكن ربما يكون المبلغ
+
+253
+00:26:03,530 --> 00:26:08,110
+الذي يخص من الموظف عندهم أكبر قليلا أو إلى غير ذلك
+
+254
+00:26:08,110 --> 00:26:13,010
+يعني يعتبر يا أخوة هذا النوع من أنواع التأمينات
+
+255
+00:26:13,010 --> 00:26:19,510
+يعني مصلحة كبرى ومصلحة عظمة تتحقق للموظف الذي يعمل
+
+256
+00:26:19,510 --> 00:26:25,790
+على مدار ثلاثين او اربعين عامفبعد هذا العمر الطويل
+
+257
+00:26:25,790 --> 00:26:35,050
+فإذا أحيل للمعاش لا يترك بعد هذا كله للشارع
+
+258
+00:26:35,050 --> 00:26:44,050
+وإنما يُعطى مرتب معين ومكافأة معينة تحفظ له حياتا
+
+259
+00:26:44,350 --> 00:26:52,010
+كريمة في طيلة حياته وربما لأولاده الصغار بعد مماته
+
+260
+00:26:52,010 --> 00:26:57,410
+يمكن يمتد هذا المعاش لأولاده القصر الى ان يبلغ كل
+
+261
+00:26:57,410 --> 00:27:01,710
+واحد منهم 18 سنة او الى ان ينتهي من تعليمه حقيقة
+
+262
+00:27:01,710 --> 00:27:07,750
+يعني شئ جميل جدا شئ يحقق المصلحة يرأي الكرامي
+
+263
+00:27:07,750 --> 00:27:11,690
+الإنسانية انه مش بعد ال 60 انا برميك في الشارع
+
+264
+00:27:11,690 --> 00:27:17,980
+وبعدين وفيه بيحصل احياناكتير يعني في بعض المؤسسات
+
+265
+00:27:17,980 --> 00:27:23,580
+الغير حكومية حتى في أرقى المؤسسات يعني في موظفين
+
+266
+00:27:23,580 --> 00:27:28,060
+الوكالة مثلا مالهم مش تهمين على شيخه خلالهم مكافأة
+
+267
+00:27:28,060 --> 00:27:31,980
+مقطوعة و رغم كبارها ممكن يطلع و ياخد 100 ألف دولار
+
+268
+00:27:31,980 --> 00:27:37,400
+او 200 ألف دولار لكن بروح بيعمله مشروع أولاده
+
+269
+00:27:37,400 --> 00:27:44,820
+بتحيلوا عليه ببنيله شغلة و بعدين بقعد ايشالحديدة
+
+270
+00:27:44,820 --> 00:27:54,470
+بقعد على الحديدةفه ثم يبدأ يتكفف أولاده فيديروا
+
+271
+00:27:54,470 --> 00:28:00,750
+ظهرهم أقاربوا ويصبح بدل ما كان إنسان يعني عامل
+
+272
+00:28:00,750 --> 00:28:05,870
+ومنتج ومرفوع الرأس وله كرامة يعني تغيرت أحواله
+
+273
+00:28:05,870 --> 00:28:12,610
+فتدمر نفسيا فهذا يعني فكأنه التأمينات والمعاشات
+
+274
+00:28:12,610 --> 00:28:17,290
+يعني تقفل يعني النوع من الحياة الكريمةعلى كل
+
+275
+00:28:17,290 --> 00:28:22,370
+الأحوال برضه النظر لكن حقيقة يعني كمشروع يحقق
+
+276
+00:28:22,370 --> 00:28:28,690
+مصالح الناس لبأس فيه مادام يعني مادامة فقط اريد ان
+
+277
+00:28:28,690 --> 00:28:34,070
+اضع قيدا هنا مادام غير هذا هذا المفروض منه مادام
+
+278
+00:28:34,070 --> 00:28:40,560
+هذا المال الذي يجمعيستثمر بالطرق الحلالة ورغم
+
+279
+00:28:40,560 --> 00:28:46,560
+إجماع العلماء على مشروعيته لكن عندما يعرف أو يعني
+
+280
+00:28:46,560 --> 00:28:52,460
+نجد أن هذه الأموال التي تجمع تستثمر بالربا أو
+
+281
+00:28:52,460 --> 00:28:56,900
+بالطرق الفاسدة أو في مصانع خمور أو إلى غير ذلك هنا
+
+282
+00:28:56,900 --> 00:29:03,580
+يعني على الأقل تقع الشبهات ويتردد الإنسان المسلمفي
+
+283
+00:29:03,580 --> 00:29:07,320
+أن يضع نفسه في مثل ذلك، لكن في الوضع الطبيعي،
+
+284
+00:29:07,320 --> 00:29:12,660
+عندما هذا التنظيم كنظام وكفكرة لبس فيه، خاصة إذا
+
+285
+00:29:12,660 --> 00:29:18,020
+ما استخدمت أو استثمرت في طريق حلال بعيد عن الربا،
+
+286
+00:29:18,020 --> 00:29:21,540
+بعيد عن المقامرات، طبعا إضافة إلى إشكالات أخرى،
+
+287
+00:29:21,540 --> 00:29:25,640
+على كل الأحوال، إذا نظام التأمينات والمعاشات هو
+
+288
+00:29:25,640 --> 00:29:31,490
+أحدأهم صور التأمين التعاوني الذي يعطي مرتبة أو
+
+289
+00:29:31,490 --> 00:29:37,050
+مكافئة مالية للموظفين عند نهاية الخدمة تحفظ لهم
+
+290
+00:29:37,050 --> 00:29:43,710
+كرامتهم وتؤمنهم على حياتهم إلى أن يلقوا ربهم النوع
+
+291
+00:29:43,710 --> 00:29:49,340
+الثاني نظام الضمانالضمان الاجتماعي وهذا نظام
+
+292
+00:29:49,340 --> 00:29:53,460
+الضمان الاجتماعي غالبا ما يكون أثناء الخدمة، أثناء
+
+293
+00:29:53,460 --> 00:29:57,020
+الخدمة، هناك نهاية الخدمة، هذا أثناء الخدمة، أثناء
+
+294
+00:29:57,020 --> 00:30:02,240
+الخدمة الإنسان قد تعتريه حالات معينة، قد يمرض، قد
+
+295
+00:30:02,240 --> 00:30:09,640
+يصيبه حادث، قد يموتده بالنهاية الخدمة، اه فهنا
+
+296
+00:30:09,640 --> 00:30:15,560
+يأتي نظام الضمان الاجتماعي في حالة ما إذا أصابه
+
+297
+00:30:15,560 --> 00:30:20,880
+حادث النظام الاجتماعي أو نظام الضمان .. نظام تأمين
+
+298
+00:30:20,880 --> 00:30:28,060
+الضمانة الاجتماعية يقفل له سبب العلاج والرعاية
+
+299
+00:30:29,990 --> 00:30:36,030
+حتى البدل ممكن يستمر شهور و هو جاعد على أثر
+
+300
+00:30:36,030 --> 00:30:40,770
+الحادث، فيدفع له نفس الشهرية أو نفس المرتب اللي
+
+301
+00:30:40,770 --> 00:30:49,150
+كان بياخذه أثناء عملهلأن هذا الحادث الذي أصابه
+
+302
+00:30:49,150 --> 00:30:54,590
+يعني لم يكن بيده ولم يكن بيده فكان على الدولة أو
+
+303
+00:30:54,590 --> 00:31:00,610
+على المؤسسة أن ترعاه إلى أن يشافق وأن يعافى وإذا
+
+304
+00:31:00,610 --> 00:31:04,750
+كان يعني ثبت أنه عنده عجز شامل أو كامل أو ماقدرش
+
+305
+00:31:04,750 --> 00:31:09,790
+أنا ممكن بعد هيك برضه يعني يترك العملمقابل يعني
+
+306
+00:31:09,790 --> 00:31:13,650
+مرتب لكن بيكونش في العادة مثل المرتب اللي كان
+
+307
+00:31:13,650 --> 00:31:18,830
+بياخده نص المرتب تلت المرتب حسب الاتفاق المهم ان
+
+308
+00:31:18,830 --> 00:31:24,890
+انه في نوع من ضمان الاجتماعي و هذا ضمان الاجتماعي
+
+309
+00:31:24,890 --> 00:31:28,790
+حقيقة يعني سواء في الإصابات في العلاج يتفر عنه
+
+310
+00:31:28,790 --> 00:31:33,250
+يعني أنواع متعددة التأمين ضد الشيخوخة والتأمين
+
+311
+00:31:33,250 --> 00:31:41,510
+الصحي كل هذه صور متفرعة عن التأمينالتعاونويراحظ يا
+
+312
+00:31:41,510 --> 00:31:46,350
+اخوة ان تأمين التعاون حقيقة صورة كما قلت جالية من
+
+313
+00:31:46,350 --> 00:31:51,830
+صورة التعاون المثالي والتعاون الذي يحقق المصالح
+
+314
+00:31:51,830 --> 00:31:59,110
+للموظفين والعمال وتكاد يعني معظم دول العالم تعمل
+
+315
+00:31:59,110 --> 00:32:04,430
+بهذا النظام من حيث الجملة على اختلاف في التفاصيل
+
+316
+00:32:04,430 --> 00:32:12,270
+وفي التقنينات والنسب وإلى غير ذلكأما بالنسبة
+
+317
+00:32:12,270 --> 00:32:17,890
+للتأمين التعاوني، خليني أقول حكمه مباشرة، واضح أن
+
+318
+00:32:17,890 --> 00:32:21,650
+التأمين التعاوني مافيش فيه إشكلة، كما قلت فقط ما
+
+319
+00:32:21,650 --> 00:32:30,570
+لم تستثمر أموالهبالربا أو تتنمى بطرق الحرام أما
+
+320
+00:32:30,570 --> 00:32:34,190
+كفكرة كنظام لا إشكلة فيها وهو مظهر من مظاهر
+
+321
+00:32:34,190 --> 00:32:40,070
+التعاون الذي يعني نص عليه القرآن الكريم وأمرنا به
+
+322
+00:32:40,070 --> 00:32:44,010
+عندما قالوا تعاونوا على البر والتقوى طيب التأمين
+
+323
+00:32:44,010 --> 00:32:50,330
+التبادلي ما حكايته ما صورته ما مفهومه التأمين
+
+324
+00:32:50,330 --> 00:32:55,950
+التبادلي يا إخوةالى حد كبير يشبه التأمين التعاونى
+
+325
+00:32:55,950 --> 00:33:02,150
+من حيث الحكم كما سنرى لكن طبيعته مختلفة قليلا حيث
+
+326
+00:33:02,150 --> 00:33:11,250
+ان التأمين التبادلى لا تقوم بيه الدولة و لا تراعاه
+
+327
+00:33:11,250 --> 00:33:17,490
+ولكن هذا دعنى اقول يتعلق بالعمال اللى بيشتغلوا في
+
+328
+00:33:17,490 --> 00:33:23,670
+المؤسسات الخاصةأو بالموظفين الخصوصيين أو
+
+329
+00:33:23,670 --> 00:33:28,650
+بالمواطنين العاديين اللي مابشتغلوش حتى في مواطنين
+
+330
+00:33:28,650 --> 00:33:33,690
+أصحاب قرية معينة يتهددهم يعني خطر معين أي خطرة
+
+331
+00:33:33,690 --> 00:33:40,110
+يعني مثلا قرية تسكن على ضفاف النيل وفي كل سنة في
+
+332
+00:33:40,110 --> 00:33:47,360
+شهر ستة أو سبعة بيصير الفيضانو .. فيتهدد بعض
+
+333
+00:33:47,360 --> 00:33:53,480
+المنازل في الغرق أو إلى غير ذلك فيتفق مثلا أهل هذه
+
+334
+00:33:53,480 --> 00:33:57,460
+القرية على أن يأخذوا .. على أن يدفع كل فرد منهم
+
+335
+00:33:57,460 --> 00:34:05,430
+مبلغ من المال على أنه متى يعني حدث الفيضان وتسببفي
+
+336
+00:34:05,430 --> 00:34:12,150
+يعني دمار بيت من البيوت او غرقه يقوم هذا اهل
+
+337
+00:34:12,150 --> 00:34:16,770
+القرية من خلال هذا الصندوق او هذا المال بتعويض او
+
+338
+00:34:16,770 --> 00:34:22,610
+ترميم البيت من جديد فاذا لم يتم اي خطر بيقولوا
+
+339
+00:34:22,610 --> 00:34:27,310
+المال محفوظ مش بروحلأ، بظل المال محفوظ لعام القادم
+
+340
+00:34:27,310 --> 00:34:31,390
+أو يعود تقسيمه إلى الناس الذين دفعوه، فهم كلهم
+
+341
+00:34:31,390 --> 00:34:38,130
+يعني مؤمنين وكلهم مؤمنين، كلهم، مافيش طرف وفيه
+
+342
+00:34:38,130 --> 00:34:43,250
+طرف، هم المؤمنين هم .. هم يعني جمعية تعاونية،
+
+343
+00:34:43,250 --> 00:34:43,810
+جمعية
+
+344
+00:34:51,650 --> 00:34:55,950
+لأ لأ، شوف، يعني في فرق .. هذه الجمعيات التعاونية
+
+345
+00:34:55,950 --> 00:34:59,910
+اللي بتحكي عنها بدون برر، يعني احنا يا أخوة أحيانا
+
+346
+00:34:59,910 --> 00:35:04,430
+على من من بتصير في جمعية تعاونية، أنا بده أتزوج،
+
+347
+00:35:04,430 --> 00:35:07,590
+هذا بده يبني، هذا بده وكذا، فبقولش رايك ده يعمل
+
+348
+00:35:07,590 --> 00:35:11,250
+جمعية، كل واحد يدفعله مية دنار على أساس بعد عشر
+
+349
+00:35:11,250 --> 00:35:19,090
+شهور، يعني خلال عشر شهوركل واحد يدفع 100 دينار و
+
+350
+00:35:19,090 --> 00:35:22,370
+احنا ممكن نكون 21 اذا في مبلغها 2000 دينار هذه
+
+351
+00:35:22,370 --> 00:35:26,110
+جمعيات يعني صورة من صور التعاون لا اشكال فيها و
+
+352
+00:35:26,110 --> 00:35:30,450
+غالبا ما ياخدها المحتاج اولا و الباقي بيعملوله
+
+353
+00:35:30,450 --> 00:35:34,610
+جرعة يعني بتحصل هذه لكن هي دي مش هي مقصودنا يعني و
+
+354
+00:35:34,610 --> 00:35:38,590
+ربما تعتبر صورة من صور التعاون لكن احنا نتكلم عن
+
+355
+00:35:38,590 --> 00:35:43,040
+التأمين على خطر معينهنا بدون خطر بدون .. بدون
+
+356
+00:35:43,040 --> 00:35:46,880
+كارثة يعني بيصير فيه عقود يعني تأمينات الجمعيات
+
+357
+00:35:46,880 --> 00:35:50,720
+لكن هنا نقصد بالجمعيات تعاون التبادل على خطأ يعني
+
+358
+00:35:50,720 --> 00:35:56,400
+يستشهرون بوجود خطر يستشهرون بكل سنة جاعدوا .. من
+
+359
+00:35:56,400 --> 00:35:59,240
+يوم ما عاشوا في هذا البلد كل سنة بتروح .. ب .. ب
+
+360
+00:35:59,240 --> 00:36:03,580
+.. ب .. بتدمر بيت بتين و بضررهم يشحدوا فهم عملوا
+
+361
+00:36:03,580 --> 00:36:09,320
+مثلا هذا ال .. بيجي مرض بكذا أقولك أصحاب الحرفة
+
+362
+00:36:09,320 --> 00:36:14,950
+المعينةالعاملية يعني او التأمين التبادلي انه احنا
+
+363
+00:36:14,950 --> 00:36:18,670
+مجموعة من العمال او ما شابه دارك بنحط مثلا مبالغ
+
+364
+00:36:18,670 --> 00:36:22,830
+كل واحد بقدر استطاعته او .. و بتبقى لمدة سنة،
+
+365
+00:36:22,830 --> 00:36:26,190
+تمام؟ في حاجة انه مثلا صار ضرر او كده، بيأخذ من
+
+366
+00:36:26,190 --> 00:36:30,190
+هذا الصندوق، يعوضه الضرر اللي صار، اذا كان يعني
+
+367
+00:36:30,190 --> 00:36:36,600
+كمية ال .. او المبلغ المدفوع للشخص يعني ..هو قد
+
+368
+00:36:36,600 --> 00:36:41,680
+يكون هذا وقد لا يكون، بمعنى إنه إذا كان الضرر أكبر
+
+369
+00:36:41,680 --> 00:36:46,480
+من المال المجموعة، ممكن يعاد الطلب، زيادة النسبة،
+
+370
+00:36:46,480 --> 00:36:50,340
+يعني احنا بدل ما ندفع 100، ندفع 150 يا جماعة،
+
+371
+00:36:50,340 --> 00:36:56,960
+وبالعكس، إذا كان الضرر أقل،يعني ممكن يعاد، يعاد،
+
+372
+00:36:56,960 --> 00:37:01,280
+فهي جمعية تعاونية قائمة على أساس التبرؤ، أساسا
+
+373
+00:37:01,280 --> 00:37:06,280
+يعني، أنا مش بالضرورة يعني أنه أنا دفقت يعني أني
+
+374
+00:37:06,280 --> 00:37:10,600
+أاخد، ان انا، مش بالضرورة أني دفقت أنه ياخد، لأ،
+
+375
+00:37:10,600 --> 00:37:15,000
+لأ أنا دافع هذا كتبرؤ من حيث المبدأ، بحيث أنه زي
+
+376
+00:37:15,000 --> 00:37:18,920
+ممكن أنا أصاب وممكن لا أصاب، فإن لم أصاب فالحمد
+
+377
+00:37:18,920 --> 00:37:23,300
+لله، إن أصيب غيري فهذا جزء من المسامة و التبرؤ في
+
+378
+00:37:23,300 --> 00:37:30,020
+إيه البناةأو في دفع الكارثة عن يعني أحيانا في
+
+379
+00:37:30,020 --> 00:37:34,580
+المؤسسات الخاصة مصنع العمال تبعينه الحكومة مش
+
+380
+00:37:34,580 --> 00:37:40,440
+مامنين تأمين العمال لكن مصنع خطير ممكن كل يوم
+
+381
+00:37:40,440 --> 00:37:45,360
+التاني هذا أصبح رايح هذا إيده رايحة هذا مصاب كذا
+
+382
+00:37:45,360 --> 00:37:49,780
+عمل شقة أو صعبة أو كذا وفي نفس الوقت يعني فيش
+
+383
+00:37:49,780 --> 00:37:53,980
+عندهم قانون و حكومة فيها الموضوع مش مامنفهم
+
+384
+00:37:53,980 --> 00:37:58,160
+بيروحوا بينهم هال أربعين وخمسين عامل يا جماعة كل
+
+385
+00:37:58,160 --> 00:38:03,740
+واحد يتفعلوا من شهريته قصة معينة على أساس في نهاية
+
+386
+00:38:03,740 --> 00:38:06,860
+.. يعني في ما لو .. لما بيصير لا قدر الله لو أحد
+
+387
+00:38:06,860 --> 00:38:11,840
+منا شغل منها الصندوق نعوضه لما بتعطل على الأجال
+
+388
+00:38:11,840 --> 00:38:15,940
+اللاجمن يعني نعطي لأهله نوع من المصروف مبلغ معين
+
+389
+00:38:15,940 --> 00:38:20,520
+يساهموا في تخفيف وترميم الضرر الذي .. هذه جمعيات
+
+390
+00:38:20,520 --> 00:38:28,220
+تعاونيةمبدأها التبرع. وافرادها هم المؤمنون وهم
+
+391
+00:38:28,220 --> 00:38:35,130
+المستأمنون. لا يقصدوا منها الاستثمار.ولا الاستغنال
+
+392
+00:38:35,130 --> 00:38:41,750
+أبدا هذا أتحدث فيه لأن هذا كله سيختلف عن التأمين
+
+393
+00:38:41,750 --> 00:38:47,610
+التجاري لكن هذه التأمين التعاوني والتأمين التبادلي
+
+394
+00:38:47,610 --> 00:38:53,390
+يعني هما يعني مظهران من مظاهر التأمين المشروع
+
+395
+00:38:53,390 --> 00:38:57,370
+التأمين التبادلي أيه يا اخوة؟ كمان تبادل يعني مظهر
+
+396
+00:38:57,370 --> 00:39:03,030
+مشروع لأن بالفعليمثل حالة راقية من مظاهر من حالات
+
+397
+00:39:03,030 --> 00:39:09,390
+ايش التعاون ودفع الأضرار واشبه بعملية العاقلة هم
+
+398
+00:39:09,390 --> 00:39:12,450
+العاقلة اللي بت .. يعني هم زي مظهر من مظاهر
+
+399
+00:39:12,450 --> 00:39:17,190
+التامين كل واحد لما لو صار وجه في ضرر بيدفعوله أهل
+
+400
+00:39:17,190 --> 00:39:20,990
+الأهلة وممكن واحد على مدار حياته مايكونش ..
+
+401
+00:39:20,990 --> 00:39:25,130
+ماقصبوش ضرر طول عمره بدفع طب بدفع مقابل ماذا؟ تبرع
+
+402
+00:39:26,650 --> 00:39:31,030
+تبرر، نعم تبرر عن هذا .. هذه هي النية الابتدائية،
+
+403
+00:39:31,030 --> 00:39:36,070
+لكن على أنه متى لاحق به أو بغيره ضرر، يتم .. مش
+
+404
+00:39:36,070 --> 00:39:42,630
+بالضرورة أنه يعني يكون في مقابل، وهذه ميزته عقود
+
+405
+00:39:42,630 --> 00:39:55,740
+التبرعاتعقود التبرعات ليس
+
+406
+00:39:55,740 --> 00:40:02,320
+بالضرورة أن تأخذ مقابل أن تدفعهل من تصدق، اتصدق
+
+407
+00:40:02,320 --> 00:40:07,120
+اتبرأ، هل من تصدق بالضرورة ان ياخد، متصدق،
+
+408
+00:40:07,120 --> 00:40:11,540
+والمتبرع كذلك، وصاحب الهبة كذلك، لكن في البيع، في
+
+409
+00:40:11,540 --> 00:40:14,880
+الشراء، عقود المعاوضات، هذا الذي يميزه عن عقود
+
+410
+00:40:14,880 --> 00:40:19,500
+تسمى عقود المعاوضات، عقود المعاوضات انا لما بستأجر
+
+411
+00:40:19,770 --> 00:40:26,010
+بدفع مقابل انتفاع بالإيجار لمن باشتري، بادفع مقابل
+
+412
+00:40:26,010 --> 00:40:31,570
+تملك سلع معينة، إن لم أتملك، إن لم أستأجر و أخد
+
+413
+00:40:31,570 --> 00:40:38,290
+هذا فالمال دون مقابل فيكون باطلا في هذه الحالة
+
+414
+00:40:38,290 --> 00:40:42,610
+المال وتكون العقد ربما فيه مشكلة، ربما هذا مثلا
+
+415
+00:40:42,610 --> 00:40:45,230
+اتحدث فيه ان شاء الله المرة القادمة، شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/F5YbPqHXvGQ_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/F5YbPqHXvGQ_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..59c9c13b2bcccf0d0b5a7de404816c7f820c962c
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/F5YbPqHXvGQ_raw.srt
@@ -0,0 +1,1660 @@
+1
+00:00:21,280 --> 00:00:26,200
+بسم الله الرحمن الرحيم الحمد
+
+2
+00:00:26,200 --> 00:00:30,900
+لله والصلاة والسلام على رسول الله وعلى آله وصحبه
+
+3
+00:00:30,900 --> 00:00:35,900
+ومن اهتدأ بهديه واستنى بصناته إلى يوم الدين وبعد
+
+4
+00:00:35,900 --> 00:00:41,280
+بدأنا
+
+5
+00:00:41,280 --> 00:00:46,100
+المرة الماضية في الحديث عن التامين وكانت محاضراتنا
+
+6
+00:00:46,100 --> 00:00:55,540
+عبارة عن مقدمة عامة حول التامينربما طوفنا فيها حول
+
+7
+00:00:55,540 --> 00:01:03,900
+نشأة التأمين أو حول البذور والجذور لظهور عقود
+
+8
+00:01:03,900 --> 00:01:13,580
+التأمين ولكن ما صلطنا الضوء عليه هو أننا لم نجد
+
+9
+00:01:13,580 --> 00:01:21,410
+عقود التأمين بصورها الحاليةموجودة في ظل الدولة
+
+10
+00:01:21,410 --> 00:01:28,570
+الإسلامية وذلك على مدار نحو 12 قرن وبالتالي
+
+11
+00:01:28,570 --> 00:01:34,410
+كان هذا سبب لطرح التساؤل اللي ربما شغلنا معظم
+
+12
+00:01:34,410 --> 00:01:42,030
+محاضرتنا فيه وهو لماذا تغافلت أو غافلت الأمة
+
+13
+00:01:42,030 --> 00:01:51,990
+الإسلامية عن هذا العقدو تطبيقه رغم ما يحققه هذا
+
+14
+00:01:51,990 --> 00:01:59,850
+العقد عقد التأمين من مصالح واهداف كثيرة ذكرنا منها
+
+15
+00:01:59,850 --> 00:02:10,550
+ان عقود التأمين تحقق انقاذ من وقعت لهم كوارث
+
+16
+00:02:10,550 --> 00:02:17,220
+ومصابات بحيث انها تكونجنبا إلى جنب معاهم في
+
+17
+00:02:17,220 --> 00:02:23,340
+الأزمات كما الصديق والصاحب المخلص اللي بيكون عامل
+
+18
+00:02:23,340 --> 00:02:28,500
+تأمين ووجه في أزمة يعني التأمين بيكون واقف لجنبه
+
+19
+00:02:28,500 --> 00:02:33,220
+وبينقذه من الأزمة وبيخفف عنه هذه الكارثة من خلال
+
+20
+00:02:33,220 --> 00:02:40,640
+تعويضه المالي او دفع عنه او تحمل الأعباء المالية
+
+21
+00:02:40,640 --> 00:02:48,130
+عن ما وقع فيهوإضافة إلى ذلك قلنا إن التأمين حتى
+
+22
+00:02:48,130 --> 00:02:51,730
+على صعيد المجتمع حتى على صعيد الفرد قد يكون سببا
+
+23
+00:02:51,730 --> 00:02:56,150
+في التنمية الاقتصادية بشكل عام حيث إن شركات
+
+24
+00:02:56,150 --> 00:03:02,550
+التأمين أو الجهات المؤمنة تجمع أكبر قدر ممكن من
+
+25
+00:03:02,550 --> 00:03:05,890
+الأموال من خلال هذه الأقصاد التي يدفعها هؤلاء
+
+26
+00:03:05,890 --> 00:03:11,370
+الأفراد المشتركونفي عملية التأمين فتكونوا دافعا
+
+27
+00:03:11,370 --> 00:03:18,150
+لهم لاستثمارها فيما فيه أو بما يعودوا بالمصلحة
+
+28
+00:03:18,150 --> 00:03:24,300
+والتنمية على المجتمعكذلك هو نوع من أنواع الادخار
+
+29
+00:03:24,300 --> 00:03:29,740
+كما قلنا كأن الذي يشارك في التأمين ويدفع قسطا
+
+30
+00:03:29,740 --> 00:03:36,920
+معينا كأنما يدخر قسطا معينا لنفسه في حال تعرضه
+
+31
+00:03:36,920 --> 00:03:44,760
+للحاجة أو تعرضه للأزمة فيجد مجموعة مدخره وزيادة
+
+32
+00:03:44,760 --> 00:03:49,520
+ضعفة إلى كل ذلك فربما يكون عقل التأمين منزوي على
+
+33
+00:03:49,520 --> 00:03:56,060
+الأقلسببًا من أسباب الاستقرار بشكل عام وسببًا من
+
+34
+00:03:56,060 --> 00:04:02,360
+أسباب الألفة والمحبةذلك أن الإنسان إذا ما وقع في
+
+35
+00:04:02,360 --> 00:04:08,280
+كارثة أيها الإخوة ولم يجد أحدا أو جهة تقف معاه
+
+36
+00:04:08,280 --> 00:04:16,840
+لتنقظه ومن أزمته وتقف بجانبه فإنه يعني يكره الناس
+
+37
+00:04:16,840 --> 00:04:22,140
+جميعا فإنه في هذه الحالة يحقدوا على الناس فإنه في
+
+38
+00:04:22,140 --> 00:04:26,310
+هذه الحالة يصبحوا إنساناأو ربما تكون هذه الأزمة
+
+39
+00:04:26,310 --> 00:04:32,510
+بداية لصناعة إنسان شرير، إنسان مجرم حاقد على
+
+40
+00:04:32,510 --> 00:04:38,890
+المجتمع، لكن بينما إذا ما وجد مام أو جهة ما تقف
+
+41
+00:04:38,890 --> 00:04:45,090
+بجانبه، فإنه استشار بالاستقرار والمحبة والألفة
+
+42
+00:04:45,090 --> 00:04:49,490
+لمجتمعه، وتكون هذه ربما بداية انقلاق لي كي يكون
+
+43
+00:04:50,540 --> 00:04:55,600
+مواطنا صالحا فاحنا قلنا كل هذه المعاني اللتي ربما
+
+44
+00:04:55,600 --> 00:04:59,700
+تتحقق من خلال التأمين بشكل عام و ليس بالضرورة هذا
+
+45
+00:04:59,700 --> 00:05:06,860
+النوع او ذاك بشكل عام هالغابت عن المسلمين على مدار
+
+46
+00:05:06,860 --> 00:05:11,580
+12 قرن فلم يلتفتوا حيث اننا لم نجد عقدا من عقود
+
+47
+00:05:11,580 --> 00:05:17,450
+التأمين او لو لم نجد ظاهرة التعاقدعلى التأمينات
+
+48
+00:05:17,450 --> 00:05:24,590
+موجودة عندهم وكانت الإجابات منكم بأن التأمين أو
+
+49
+00:05:24,590 --> 00:05:30,710
+بأن الإسلام عرف التأمينة ولكن بشكل أوسع وبشكل أشمل
+
+50
+00:05:30,710 --> 00:05:39,880
+وبشكلأيضًا أكثر يعني تكاملية عرفه عندما قرر ربنا
+
+51
+00:05:39,880 --> 00:05:45,780
+سبحانه وتعالى قوله وتعاونوا على البر والتقوى ولا
+
+52
+00:05:45,780 --> 00:05:51,020
+تعاونوا على الإثم والهدوان والتأمين صورة واحدة فقط
+
+53
+00:05:51,120 --> 00:05:57,200
+من صور التعاون التي يقررها الإسلام قرره أو عرفه
+
+54
+00:05:57,200 --> 00:06:01,220
+عندما قال رسول الله صلى الله عليه وسلم مثل
+
+55
+00:06:01,220 --> 00:06:06,820
+المؤمنين في تودهم و تراحمهم ألسنا نقول قبل قليل أن
+
+56
+00:06:06,820 --> 00:06:11,380
+التأمين سبب من أسباب المودة و الألفة و الرحمة هذا
+
+57
+00:06:11,380 --> 00:06:15,680
+هو الإسلام أيضا في تودهم و تعاطفهم و تراحمهم كمثل
+
+58
+00:06:15,680 --> 00:06:20,630
+الجسد الواحدإذا اشتكى منه عضو، متى يشتكي الإنسان
+
+59
+00:06:20,630 --> 00:06:27,200
+في حالة الأزمات؟ فالتوجيه الإسلامي الشامليخاطبوا
+
+60
+00:06:27,200 --> 00:06:32,600
+الناس بأن يقفوا إلى جانب أو يخاطبوا المسلمين بأن
+
+61
+00:06:32,600 --> 00:06:36,800
+يقفوا إلى جانب بعضهم البعض في حالة الأزمات هذا هو
+
+62
+00:06:36,800 --> 00:06:42,400
+اسلامنا ثم وذكرنا يعني غير هذا التوجيه العام
+
+63
+00:06:42,400 --> 00:06:47,660
+توجيهات تفصيلية أو أحكام تفصيلية ربما تكون أكتر
+
+64
+00:06:47,660 --> 00:06:52,620
+الزامةفي حالة العاقلة في حالة .. وهي من أكثر يعني
+
+65
+00:06:52,620 --> 00:06:58,680
+صور التعاون أو أكثر صور التأمين عندما يتسبب
+
+66
+00:06:58,680 --> 00:07:06,980
+الإنسان في قتل آخر خطأ تجد أن الإسلام ألزم عائلته
+
+67
+00:07:06,980 --> 00:07:15,040
+عاقلته أهله حرفته ربما حتى ومهنته أن يتعاونوا لدفع
+
+68
+00:07:15,040 --> 00:07:25,860
+دية هذا المقتولنظام الذكاء الذي لم تعرفه الأمم غير
+
+69
+00:07:25,860 --> 00:07:32,640
+الأمة الإسلامية بهذه التفصيل وبهذه الدقة وبهذه
+
+70
+00:07:32,640 --> 00:07:40,700
+الصورة من صور التكافل أيضا هو نظام تأمين شامل نظام
+
+71
+00:07:40,700 --> 00:07:43,200
+تحمل مسئوليات الدولة
+
+72
+00:07:48,690 --> 00:07:55,910
+وتحمل واجباتها نحو أفرادها في المرافق العامة وفي
+
+73
+00:07:55,910 --> 00:08:01,530
+حالات الجوائح التي تجتاح والكوارث التي تجتاح في
+
+74
+00:08:01,530 --> 00:08:06,890
+بعض الأحوال أو في بعض السنينكلنا يعني يعرف قلت
+
+75
+00:08:06,890 --> 00:08:11,470
+المرة الماضية أن عمر عندما قال والله لو أن بغلة
+
+76
+00:08:11,470 --> 00:08:16,510
+عثرت عمر نفسه أيضا رضي الله عنهم يعني في عام
+
+77
+00:08:16,510 --> 00:08:21,810
+المجاعة كارثة كان ينزل بنفسه ليطعم الناس بيديه رضي
+
+78
+00:08:21,810 --> 00:08:26,740
+الله عنهمهذا كله .. هذه أروع وأجلى صور التأمين لم
+
+79
+00:08:26,740 --> 00:08:33,040
+يكن المسلمون بحاجة إلى عقد يعني هذه عقول التأمين
+
+80
+00:08:33,040 --> 00:08:39,600
+الجزئية التي لا تغطي إلا جانبا واحدا جزئيا
+
+81
+00:08:40,590 --> 00:08:46,690
+إن الإسلام في تأمينه للإنسان كان شاملا كاملا لم
+
+82
+00:08:46,690 --> 00:08:51,070
+يقف عند الجوانب حتى المادية على أهميتها بل قبل ذلك
+
+83
+00:08:51,070 --> 00:08:55,510
+على الجوانب النفسية الإيمان كما قلت ربما وأكرر
+
+84
+00:08:55,510 --> 00:09:02,230
+نفسه الإيمان الذي يدخلالقلب بدخول الإنسان للإسلام
+
+85
+00:09:02,230 --> 00:09:08,090
+هو أول صورة و أجلى و أجمل و أسمع صورة من صور
+
+86
+00:09:08,090 --> 00:09:14,630
+التأمين التأمين .. تأمين النفس من كل صور القلق و
+
+87
+00:09:14,630 --> 00:09:23,590
+من كل صور الخوف و من كل صور الإضطراب الإيمانالذي
+
+88
+00:09:23,590 --> 00:09:29,930
+يستقر في النفس ويصدقه العمل الذين آمنوا وتطمئنوا
+
+89
+00:09:29,930 --> 00:09:35,190
+تأمن يعني قلوبهم بذكر الله ألا بذكر الله تطمئن
+
+90
+00:09:35,190 --> 00:09:40,690
+القلوب هذا هو الإسلام فلا فليس عدم فعدم وجود
+
+91
+00:09:40,690 --> 00:09:45,510
+التأمين الجزء هذا رغم ما يحققه من بعض الجوانب
+
+92
+00:09:45,510 --> 00:09:53,910
+حقيقة عدم وجوده لم يكن علامة سلبيةفي حياة المسلمين
+
+93
+00:09:53,910 --> 00:09:59,910
+عندما لم يطبقوه لأن ثمة ما هو أشمل وأكمل بل كان
+
+94
+00:09:59,910 --> 00:10:04,330
+علامة إيجابية وقلت إنما ظهر هذا ..ظهرت الحاجة لمثل
+
+95
+00:10:04,330 --> 00:10:10,930
+هذا التأمين الجزءي الذي يغطي جانبا فقط جانبا ماديا
+
+96
+00:10:10,930 --> 00:10:19,450
+هوهو دلنا على .. على مظهر سلبي متمثل في تخلي
+
+97
+00:10:19,450 --> 00:10:27,190
+الحكومات وتخلي و .. و عدم اجتمال قوانينها و
+
+98
+00:10:27,190 --> 00:10:32,730
+دستيرها على تأمين موظفيها أو تأمين مواطنيها أو
+
+99
+00:10:32,730 --> 00:10:38,150
+تأمين الناس على حياتهم كما ينبغي ان يكون على كل
+
+100
+00:10:38,150 --> 00:10:47,310
+الأحواللكن مع ذلك اليوم نحن نعيش في فترة أو في ظل
+
+101
+00:10:47,310 --> 00:10:57,370
+حكومات أصبح التأمين فيها كعقد كما قلت هو المعمول
+
+102
+00:10:57,370 --> 00:11:02,870
+به وهو السائد وهو المنتشر منهما كان بالإجبار
+
+103
+00:11:02,870 --> 00:11:05,570
+ومنهما كان بالاختيار
+
+104
+00:11:08,940 --> 00:11:15,200
+بدأت كما قلت تساؤلات كثيرة حول التأمين هذه على
+
+105
+00:11:15,200 --> 00:11:22,320
+اختلاف صوره ما هو حكمه وما موقفه الإسلام منه خاصة
+
+106
+00:11:22,320 --> 00:11:26,840
+أننا وجدنا صور متعددة أو أنواع متعددة من أنواع
+
+107
+00:11:26,840 --> 00:11:35,340
+التأمين تشوبها شبهة
+
+108
+00:11:36,190 --> 00:11:41,450
+تجعل الإنسان المسلم في نفسه .. تجعل في نفس الإنسان
+
+109
+00:11:41,450 --> 00:11:46,310
+المسلم ريبة نحو التعامل في هذه الرقود ابتداء
+
+110
+00:11:46,310 --> 00:11:51,430
+وانتهاء ابتداء في عقد أو في الإقبال على مثل هذا
+
+111
+00:11:51,430 --> 00:11:59,070
+العقد وانتهاء في أخذ المال أو التعويض الناتج عن
+
+112
+00:11:59,070 --> 00:12:04,880
+هذا العقدهذا كله اقتبر مننا ان نتحدث عن عقد
+
+113
+00:12:04,880 --> 00:12:11,140
+التأمين بشيء من التفصيل و ربما بدأنا يعني نتحدث عن
+
+114
+00:12:11,140 --> 00:12:14,460
+معناه في اللغة و في الاصطلاح لا ادري على كل
+
+115
+00:12:14,460 --> 00:12:20,180
+الأحوال نكرر المرة أخرىما قلنا او نقول ان التأمين
+
+116
+00:12:20,180 --> 00:12:27,600
+في اللغة هو .. هو الطمأنينة ضد الخوف من الفعل أمنا
+
+117
+00:12:27,600 --> 00:12:33,240
+يأمنوا أمنا وتأمينا او أمنا ان قولنا أمنافيكون
+
+118
+00:12:33,240 --> 00:12:38,420
+المصدر تأمينا وإن قلنا أمنا فالمصدر أمن والأمن
+
+119
+00:12:38,420 --> 00:12:44,180
+والتأمين بمعنى لقمئنان وقد تكرر ورود هذه الكلمة
+
+120
+00:12:44,180 --> 00:12:47,960
+كما قلنا في كتاب الله وربما حتى في سنة رسول الله
+
+121
+00:12:47,960 --> 00:12:52,900
+صلى الله عليه وسلم في مواطن متعددة في إشارة إلى
+
+122
+00:12:52,900 --> 00:13:03,490
+اهتمام الإسلام بالأمن والبشري بشكلبشكل عام و ذكرته
+
+123
+00:13:03,490 --> 00:13:10,190
+ربما كذلك بأن يعني من أعظم ممتنة بيه الله سبحانه
+
+124
+00:13:10,190 --> 00:13:16,730
+وتعالى على خلقه الأمن، نعمة الأمن جنبا إلى جنب مع
+
+125
+00:13:16,730 --> 00:13:22,780
+نعمةالاطعام عندما قال في الصورة القصيرة المعروفة
+
+126
+00:13:22,780 --> 00:13:26,960
+ليلا في قريشني لا فهم رحلة الشتاء والصيف فليعبدوا
+
+127
+00:13:26,960 --> 00:13:32,720
+رب هذا البيت الذي أطعمهم من جوع و آمنهم من خوفه
+
+128
+00:13:32,720 --> 00:13:37,000
+وقلنا إن نعمة الأمن يعني حقيقة من أعظم أي دولة أي
+
+129
+00:13:37,000 --> 00:13:44,380
+حتى أي إنسان أسرة مجتمع دولة يستشعر بالأمن هذا
+
+130
+00:13:44,380 --> 00:13:52,990
+يعني أعظم أعظم نعمةأعظم نعمة تصغر أمامها كل النعم،
+
+131
+00:13:52,990 --> 00:13:59,710
+إذا .. إذا إن عدم الأمن يعني باتت الحياة لا قيمة
+
+132
+00:13:59,710 --> 00:14:04,090
+لها، طربت الحياة، حتى لو توفر لك المأكل والمشرب
+
+133
+00:14:04,090 --> 00:14:10,490
+والملبس بدون أمنعلى كل حال إذا هذا بالنسبة لمعنى
+
+134
+00:14:10,490 --> 00:14:15,290
+التأمين في اللغة أما في الاصطلاح يا إخوة الحقيقة
+
+135
+00:14:15,290 --> 00:14:25,050
+يا إخوة هناك منطلقان للتأمين في الاصطلاح فيعرف أو
+
+136
+00:14:25,050 --> 00:14:31,070
+يعرفوا الباحثون والمختصون التأمين من منطلق كونه
+
+137
+00:14:31,070 --> 00:14:39,840
+فكرة ونظام بتعريف ومن منطلق كونه عقدبين الطرفين
+
+138
+00:14:39,840 --> 00:14:43,000
+بتعريف اما
+
+139
+00:14:44,100 --> 00:14:52,300
+تعريفهم للتأمين كفكرة وكنظام فيعرفونه بأنه نظام
+
+140
+00:14:52,300 --> 00:15:01,260
+تعاقدي هو نظام تعاقدي يقوم على أساس المعاوضة يعني
+
+141
+00:15:01,260 --> 00:15:06,400
+لا شك في ذلك يعني في نوع من المعاوضة هذا يدفع يعني
+
+142
+00:15:06,400 --> 00:15:16,140
+وهذا يأخذ بطريقة منظمة لكن ما غيتهغايته هو التعاون
+
+143
+00:15:16,140 --> 00:15:22,700
+على .. يعني على إنقاذ الناس من المصائب التي وقعوا
+
+144
+00:15:22,700 --> 00:15:27,660
+فيها، غايته هو التعاون على ترميم أضرار المخاطر
+
+145
+00:15:27,660 --> 00:15:30,860
+الطارئة،
+
+146
+00:15:30,860 --> 00:15:37,730
+من الذي يرعى هذه العملية؟عملية إنقاذ من الخطر،
+
+147
+00:15:37,730 --> 00:15:44,910
+هيئات، جمعيات، منظمات، إلى غير ذلك، بواسطة هيئات
+
+148
+00:15:44,910 --> 00:15:50,070
+منظمة، إلها دستورها، إلها لائحتها، إلها قوانينها
+
+149
+00:15:50,730 --> 00:15:58,150
+تزاول هذه الوقود بصورة فنية قائمة على أسس وقواعد
+
+150
+00:15:58,150 --> 00:16:04,030
+إحصائية يعني لما هو يعني بيفرض الدولة مثلا أو
+
+151
+00:16:04,030 --> 00:16:10,880
+الحكومة بتفرض على الموظف1% من مرتبه ليكون هو القصد
+
+152
+00:16:10,880 --> 00:16:15,760
+بناء على دراسة وبناء على ان هذا القصد يعني مجموعه
+
+153
+00:16:15,760 --> 00:16:20,460
+على مدار 20-30 سنة بالاضافة إلى بعض الزيادات التي
+
+154
+00:16:20,460 --> 00:16:28,060
+تدفع من قبل الدولة سيكون يعني مناسبا لنهاية
+
+155
+00:16:28,060 --> 00:16:32,160
+الخدمة او لتغطية مكافأة نهاية الخدمة او لتغطية
+
+156
+00:16:32,160 --> 00:16:36,900
+مرتب شهري بعد ذلك كله مبني على دراساتعلى كل
+
+157
+00:16:36,900 --> 00:16:44,840
+الأحوال يلاحظ أن التأمين كفكرة أو كنظام هو يعني
+
+158
+00:16:44,840 --> 00:16:50,060
+قائم على أساس أو هو مظهر من مظاهر التعاون قائم على
+
+159
+00:16:50,060 --> 00:16:55,080
+أساس إنقاذ الناس أو ترميم الأخطار التي يقع فيها
+
+160
+00:16:55,080 --> 00:17:04,480
+الناس وهو يعني يعتمد على أسس منظمة وقواعد دقيقة
+
+161
+00:17:04,770 --> 00:17:12,350
+تظبطوا العلاقة بين المشتركين والتأمين بهذا المعنى
+
+162
+00:17:12,350 --> 00:17:17,350
+أيها الإخوة الكرام كفكرة كنظام لا إشكال فيه لا
+
+163
+00:17:17,350 --> 00:17:23,550
+شرعا ولا عرفا ولا قانونا ذلك أنه يمثل يعني مظهر من
+
+164
+00:17:23,550 --> 00:17:29,710
+المظاهر الإيجابية والتعاونية والإنسانية التي يعني
+
+165
+00:17:29,710 --> 00:17:36,000
+لا يختلف فيهاإثنان و لا ينططح فيه أو فيها عنزان
+
+166
+00:17:36,000 --> 00:17:42,780
+على كل الأحوال هذا بالنسبة للعقد أو للتأمين كنظام
+
+167
+00:17:42,780 --> 00:17:49,040
+أما التأمين كعقد الآن بدأت من حيث التطبيق هذه
+
+168
+00:17:49,040 --> 00:17:54,620
+الفكرة من حيث التطبيق أصبحت فكرة التأمين لها صور
+
+169
+00:17:54,620 --> 00:18:08,210
+متعددة و أصبح هناكعقود تنفذ تنفذ هذه الفكرة فعرفها
+
+170
+00:18:08,210 --> 00:18:15,070
+ما يسمى بالتأمين كعقد والتأمين كعقد هو عقد من
+
+171
+00:18:15,070 --> 00:18:20,410
+العقود بين طرفين كأي عقد أي عقد يكون بين طرفين
+
+172
+00:18:20,410 --> 00:18:26,760
+هؤلاء الطرفانطرفي عقد التأمين أحدهم يسمى مؤمن
+
+173
+00:18:26,760 --> 00:18:35,420
+والثاني يسمى مؤمن له او مستأمن مؤمن له او مستأمن
+
+174
+00:18:35,420 --> 00:18:45,360
+مقتضر هذا العقد ان يلتزم المؤمن المؤمن شركة دولة
+
+175
+00:18:45,360 --> 00:18:51,700
+جماعية احنا لسه برضه هذا ماحددناش ان يلتزم المؤمن
+
+176
+00:18:52,720 --> 00:19:01,380
+بدفع مبلغ من المال للمؤمن له متى وكيف حالة وقوع
+
+177
+00:19:01,380 --> 00:19:06,600
+الخطر المتفق عليه بينهما، مش أي خطر كمان، مش أي
+
+178
+00:19:06,600 --> 00:19:11,140
+خطر، احنا اتفقنا على خطر معين، حالة وقوع الخطر
+
+179
+00:19:11,140 --> 00:19:16,520
+المتفق عليه بينهما مقابل ماذا؟لماذا يدفع هذا
+
+180
+00:19:16,520 --> 00:19:21,140
+المؤمن وفق مقتضيات هذا العقد الذي يلزمه بالدفع
+
+181
+00:19:21,140 --> 00:19:29,160
+ويلزم مقابل أن يقوم المؤمن له أو أن يلتزم المؤمن
+
+182
+00:19:29,160 --> 00:19:34,840
+له بدفع قصد شهري أو سنوي
+
+183
+00:19:38,320 --> 00:19:46,680
+للمؤمن هذه .. هذه هي .. هذا هو تعريف التأمين كعقد
+
+184
+00:19:46,680 --> 00:19:51,120
+وهو اللي يمكن سيشار إليه عند الحديث عن التأمين
+
+185
+00:19:51,120 --> 00:19:54,400
+التجاري مش مشار إليه في الأول لكن هو اللي .. اللذي
+
+186
+00:19:54,400 --> 00:19:58,850
+سيشار إليه عند الحديث عن التأمينالتجارة على كل
+
+187
+00:19:58,850 --> 00:20:03,110
+الأحوال الآن يا إخوة بعد أن عرفنا التامين أو عرفنا
+
+188
+00:20:03,110 --> 00:20:06,430
+التامين في اللغة أو في الاصطلاح ننتقل إلى بيان
+
+189
+00:20:06,430 --> 00:20:11,270
+أنواعه يعني مرورا أو وصولا إلى حكمه لأنه احنا
+
+190
+00:20:11,270 --> 00:20:14,890
+بهمنا في الآخر الحكم لكن عشان نعرف الحكم كما قلنا
+
+191
+00:20:14,890 --> 00:20:20,050
+لابد من التعرف على الأنواع التامين يا إخوة في له
+
+192
+00:20:20,050 --> 00:20:25,290
+صور يعني دعني أقول لا متناهيةمتعددة وكثيرة لكن
+
+193
+00:20:25,290 --> 00:20:31,590
+مجمع هذه الصور تقود الى ثلاثة أنواع رئيسية التأمين
+
+194
+00:20:31,590 --> 00:20:39,050
+التعاونى والتأمين التبادلى والتأمين التجارى وحليني
+
+195
+00:20:39,050 --> 00:20:45,410
+احط التأمين التعاونى والتبادلى في خانة و التأمين
+
+196
+00:20:45,410 --> 00:20:47,970
+التجارى في خانة اخرى
+
+197
+00:20:50,490 --> 00:20:55,650
+الان التأمين التعاونى ما هو وما هي أنواعه وما هي
+
+198
+00:20:55,650 --> 00:21:05,790
+صوره ايضا وخصائصه وحكمه وكذلك التأمين التبادلى ومن
+
+199
+00:21:05,790 --> 00:21:13,460
+بعد ذلك التجارة التأمين التعاونى يا اخوةأولا يسمى
+
+200
+00:21:13,460 --> 00:21:18,180
+كذلك بالتأمين الاجتماعي التأمين التعاوني أو
+
+201
+00:21:18,180 --> 00:21:24,160
+التأمين الاجتماعي ويمكن معظم أو كثير من الدول تعبر
+
+202
+00:21:24,160 --> 00:21:27,420
+عنه بهذا التعبير اللي هو التأمين الاجتماعي أو
+
+203
+00:21:27,420 --> 00:21:31,880
+التأمينات الاجتماعية وفى لوائحهم يعني لو عندنا في
+
+204
+00:21:31,880 --> 00:21:36,060
+فلسطين هيئة التأمينات الاجتماعية اللتي تقوم بها
+
+205
+00:21:36,060 --> 00:21:40,760
+الدولة لرعاية الموظفينوهذا التأمين اي التأمين
+
+206
+00:21:40,760 --> 00:21:46,960
+التعاوني تقوم به الدولة او الاجتماعي تقوم به
+
+207
+00:21:46,960 --> 00:21:54,440
+الدولة او الحكومة تحقيقا لمصالح او رعاية لمصالح
+
+208
+00:21:54,440 --> 00:22:04,030
+موظفيها وعمالهاعندما يعني يلحق بهم ضرر معين من
+
+209
+00:22:04,030 --> 00:22:11,090
+إصابة أو شيخوخة أو مرض أو عجز أو يعني سن وصول إلى
+
+210
+00:22:11,090 --> 00:22:19,250
+سن يعني كده، إذا أهم ما يُصف بيه أو ما يميزالتأمين
+
+211
+00:22:19,250 --> 00:22:24,030
+التعاوني أن التأمين أنها يعني تقوم به الدولة طبعا
+
+212
+00:22:24,030 --> 00:22:28,170
+كيف تقوم وعلى أي أساس احنا قلنا فكرة التأمين تقوم
+
+213
+00:22:28,170 --> 00:22:34,730
+على أساس وقواعد حصائية وفنية فيه يا إخوان أولا
+
+214
+00:22:34,730 --> 00:22:39,790
+يعني التأمين التعاوني تقوم عليه الدولة الدولة تفرز
+
+215
+00:22:39,790 --> 00:22:45,550
+مؤسسة أو هيئةأما أن تكون حتى تابعة لها وأحياناً
+
+216
+00:22:45,550 --> 00:22:48,310
+ربما تصبح خاصة لكن تحت رعايتها لها الا ان
+
+217
+00:22:48,310 --> 00:22:52,390
+بالمناسبة يعني احنا كفلسطينيين هنا كانت مؤسسة
+
+218
+00:22:52,390 --> 00:22:56,450
+التأمينات الاجتماعية تابعة للحكومة لكن الحكومة
+
+219
+00:22:56,450 --> 00:23:02,730
+يعني للمنظمة احنا يعني باعتبارولكن بعد ما صار شوية
+
+220
+00:23:02,730 --> 00:23:07,750
+يعني هيك اعتداءات على هذه الهيئة ما هو مال الحكومة
+
+221
+00:23:07,750 --> 00:23:11,650
+دايما لما تكون الحكومة فاسدة بصير فيه اعتداءات على
+
+222
+00:23:11,650 --> 00:23:16,210
+أموال الحكومة فصار فيه نوع من الخوف حولوها إلى
+
+223
+00:23:16,210 --> 00:23:19,410
+مؤسسة
+
+224
+00:23:19,410 --> 00:23:23,330
+خاصة يعني الآن احنا بالمناسبة هيئة التأمينات
+
+225
+00:23:23,330 --> 00:23:31,110
+الاجتماعية الموظفين الحكوميمالهاش ارتباط يعني او
+
+226
+00:23:31,110 --> 00:23:35,410
+بالاخرى ليست الحكومة مسئولة عنها ليست الحكومة
+
+227
+00:23:35,410 --> 00:23:41,090
+مسئولة عنها مسئولية مباشرة فهذه هي مستقلة الها
+
+228
+00:23:41,090 --> 00:23:47,410
+مجلسها او مجلس إدارتها وقانونها وهي اللي بيعني لو
+
+229
+00:23:47,410 --> 00:23:51,930
+في يوم من الأيام أعلنت إفلازها ورطة الناس
+
+230
+00:23:51,930 --> 00:23:56,550
+المتقائدين او المضطرين ورطةعلى كل الأحوال احنا مش
+
+231
+00:23:56,550 --> 00:24:02,210
+هذا همنا لكن اقصد ان هذه الاقيات في الاصل هيئة
+
+232
+00:24:02,210 --> 00:24:05,190
+التميين التعاوني او الاجتماعي في الاصل ان تقوم بها
+
+233
+00:24:05,190 --> 00:24:09,470
+الدولة وتراعها الدولة وفي حالات معينة ممكن تحيلها
+
+234
+00:24:09,470 --> 00:24:18,070
+لمؤسسة خاصة من وجه وعامة من وجه هذه المؤسسات
+
+235
+00:24:18,070 --> 00:24:25,580
+الحكومية حقيقةلها نظام من مقتضيات هذا النظام ان
+
+236
+00:24:25,580 --> 00:24:31,520
+يقططع كسب معين من الموظف او من العامل وفقا
+
+237
+00:24:31,520 --> 00:24:37,740
+لاحصائيات ودراسات معينة بحيث انه لو وصل الى سن
+
+238
+00:24:37,740 --> 00:24:42,580
+معينة او سن التقاعد المتفق عليه او اذا اصابه مرض
+
+239
+00:24:42,580 --> 00:24:49,320
+او اذا لاحق به حادث او الى غير ذلكتتكفل الدولة بعد
+
+240
+00:24:49,320 --> 00:24:58,000
+ذلك برعيته او باطائه المرتب او باطائه التعويض
+
+241
+00:24:58,000 --> 00:25:00,660
+المناسب
+
+242
+00:25:01,970 --> 00:25:07,350
+إذا هذا بالنسبة ليه التأمين التعاوني؟ والتأمين
+
+243
+00:25:07,350 --> 00:25:12,470
+التعاوني يا إخوة له صور متعددة، له صور متعددة
+
+244
+00:25:12,470 --> 00:25:15,930
+مفهومه، يعني انتوا لاحظته احنا بنتحدث عن التأمين
+
+245
+00:25:15,930 --> 00:25:21,190
+التعاوني، يعني إما يتعلق بالشيخوخة، بالعجز،
+
+246
+00:25:21,190 --> 00:25:28,680
+بالمرض، بالحادثيعني ومن هنا تفرعت او تعددت صور
+
+247
+00:25:28,680 --> 00:25:35,460
+التأمين التعاونى اللى تراعاه وتقوم به الدولة فعرفة
+
+248
+00:25:35,460 --> 00:25:39,620
+منها او من هذه الصور التأمينات والمعاشرات اللى
+
+249
+00:25:39,620 --> 00:25:43,060
+احنا دايما نتداولها والكثير من
+
+250
+00:25:46,600 --> 00:25:52,280
+الموظفين الخاص .. الموظفين الدوائر الخاصة بيحاولوا
+
+251
+00:25:52,280 --> 00:25:57,820
+انهم يلتحقوا بالتأمينات الاجتماعية التي ترعاها
+
+252
+00:25:57,820 --> 00:26:03,530
+الدولة بشكل او باخرمن خلال ولكن ربما يكون المبلغ
+
+253
+00:26:03,530 --> 00:26:08,110
+الذي يخص من الموظف عندهم أكبر قليلا أو إلى غير ذلك
+
+254
+00:26:08,110 --> 00:26:13,010
+يعني يعتبر يا أخوة هذا النوع من أنواع التأمينات
+
+255
+00:26:13,010 --> 00:26:19,510
+يعني مصلحة كبرى ومصلحة عظمة تتحقق للموظف الذي يعمل
+
+256
+00:26:19,510 --> 00:26:25,790
+على مدار ثلاثين او اربعين عامفبعد هذا العمر الطويل
+
+257
+00:26:25,790 --> 00:26:35,050
+فإذا أحيل للمعاش لا يترك بعد هذا كله للشارع
+
+258
+00:26:35,050 --> 00:26:44,050
+وإنما يُعطى مرتب معين ومكافأة معينة تحفظ له حياتا
+
+259
+00:26:44,350 --> 00:26:52,010
+كريمة في طيلة حياته وربما لأولاده الصغار بعد مماته
+
+260
+00:26:52,010 --> 00:26:57,410
+يمكن يمتد هذا المعاش لأولاده القصر الى ان يبلغ كل
+
+261
+00:26:57,410 --> 00:27:01,710
+واحد منهم 18 سنة او الى ان ينتهي من تعليمه حقيقة
+
+262
+00:27:01,710 --> 00:27:07,750
+يعني شئ جميل جدا شئ يحقق المصلحة يرأي الكرامي
+
+263
+00:27:07,750 --> 00:27:11,690
+الإنسانية انه مش بعد ال 60 انا برميك في الشارع
+
+264
+00:27:11,690 --> 00:27:17,980
+وبعدين وفيه بيحصل احياناكتير يعني في بعض المؤسسات
+
+265
+00:27:17,980 --> 00:27:23,580
+الغير حكومية حتى في أرقى المؤسسات يعني في موظفين
+
+266
+00:27:23,580 --> 00:27:28,060
+الوكالة مثلا مالهم مش تهمين على شيخه خلالهم مكافأة
+
+267
+00:27:28,060 --> 00:27:31,980
+مقطوعة و رغم كبارها ممكن يطلع و ياخد 100 ألف دولار
+
+268
+00:27:31,980 --> 00:27:37,400
+او 200 ألف دولار لكن بروح بيعمله مشروع أولاده
+
+269
+00:27:37,400 --> 00:27:44,820
+بتحيلوا عليه ببنيله شغلة و بعدين بقعد ايشالحديدة
+
+270
+00:27:44,820 --> 00:27:54,470
+بقعد على الحديدةفه ثم يبدأ يتكفف أولاده فيديروا
+
+271
+00:27:54,470 --> 00:28:00,750
+ظهرهم أقاربوا ويصبح بدل ما كان إنسان يعني عامل
+
+272
+00:28:00,750 --> 00:28:05,870
+ومنتج ومرفوع الرأس وله كرامة يعني تغيرت أحواله
+
+273
+00:28:05,870 --> 00:28:12,610
+فتدمر نفسيا فهذا يعني فكأنه التأمينات والمعاشات
+
+274
+00:28:12,610 --> 00:28:17,290
+يعني تقفل يعني النوع من الحياة الكريمةعلى كل
+
+275
+00:28:17,290 --> 00:28:22,370
+الأحوال برضه النظر لكن حقيقة يعني كمشروع يحقق
+
+276
+00:28:22,370 --> 00:28:28,690
+مصالح الناس لبأس فيه مادام يعني مادامة فقط اريد ان
+
+277
+00:28:28,690 --> 00:28:34,070
+اضع قيدا هنا مادام غير هذا هذا المفروض منه مادام
+
+278
+00:28:34,070 --> 00:28:40,560
+هذا المال الذي يجمعيستثمر بالطرق الحلالة ورغم
+
+279
+00:28:40,560 --> 00:28:46,560
+إجماع العلماء على مشروعيته لكن عندما يعرف أو يعني
+
+280
+00:28:46,560 --> 00:28:52,460
+نجد أن هذه الأموال التي تجمع تستثمر بالربا أو
+
+281
+00:28:52,460 --> 00:28:56,900
+بالطرق الفاسدة أو في مصانع خمور أو إلى غير ذلك هنا
+
+282
+00:28:56,900 --> 00:29:03,580
+يعني على الأقل تقع الشبهات ويتردد الإنسان المسلمفي
+
+283
+00:29:03,580 --> 00:29:07,320
+أن يضع نفسه في مثل ذلك، لكن في الوضع الطبيعي،
+
+284
+00:29:07,320 --> 00:29:12,660
+عندما هذا التنظيم كنظام وكفكرة لبس فيه، خاصة إذا
+
+285
+00:29:12,660 --> 00:29:18,020
+ما استخدمت أو استثمرت في طريق حلال بعيد عن الربا،
+
+286
+00:29:18,020 --> 00:29:21,540
+بعيد عن المقامرات، طبعا إضافة إلى إشكالات أخرى،
+
+287
+00:29:21,540 --> 00:29:25,640
+على كل الأحوال، إذا نظام التأمينات والمعاشات هو
+
+288
+00:29:25,640 --> 00:29:31,490
+أحدأهم صور التأمين التعاوني الذي يعطي مرتبة أو
+
+289
+00:29:31,490 --> 00:29:37,050
+مكافئة مالية للموظفين عند نهاية الخدمة تحفظ لهم
+
+290
+00:29:37,050 --> 00:29:43,710
+كرامتهم وتؤمنهم على حياتهم إلى أن يلقوا ربهم النوع
+
+291
+00:29:43,710 --> 00:29:49,340
+الثاني نظام الضمانالضمان الاجتماعي وهذا نظام
+
+292
+00:29:49,340 --> 00:29:53,460
+الضمان الاجتماعي غالبا ما يكون أثناء الخدمة، أثناء
+
+293
+00:29:53,460 --> 00:29:57,020
+الخدمة، هناك نهاية الخدمة، هذا أثناء الخدمة، أثناء
+
+294
+00:29:57,020 --> 00:30:02,240
+الخدمة الإنسان قد تعتريه حالات معينة، قد يمرض، قد
+
+295
+00:30:02,240 --> 00:30:09,640
+يصيبه حادث، قد يموتده بالنهاية الخدمة، اه فهنا
+
+296
+00:30:09,640 --> 00:30:15,560
+يأتي نظام الضمان الاجتماعي في حالة ما إذا أصابه
+
+297
+00:30:15,560 --> 00:30:20,880
+حادث النظام الاجتماعي أو نظام الضمان .. نظام تأمين
+
+298
+00:30:20,880 --> 00:30:28,060
+الضمانة الاجتماعية يقفل له سبب العلاج والرعاية
+
+299
+00:30:29,990 --> 00:30:36,030
+حتى البدل ممكن يستمر شهور و هو جاعد على أثر
+
+300
+00:30:36,030 --> 00:30:40,770
+الحادث، فيدفع له نفس الشهرية أو نفس المرتب اللي
+
+301
+00:30:40,770 --> 00:30:49,150
+كان بياخذه أثناء عملهلأن هذا الحادث الذي أصابه
+
+302
+00:30:49,150 --> 00:30:54,590
+يعني لم يكن بيده ولم يكن بيده فكان على الدولة أو
+
+303
+00:30:54,590 --> 00:31:00,610
+على المؤسسة أن ترعاه إلى أن يشافق وأن يعافى وإذا
+
+304
+00:31:00,610 --> 00:31:04,750
+كان يعني ثبت أنه عنده عجز شامل أو كامل أو ماقدرش
+
+305
+00:31:04,750 --> 00:31:09,790
+أنا ممكن بعد هيك برضه يعني يترك العملمقابل يعني
+
+306
+00:31:09,790 --> 00:31:13,650
+مرتب لكن بيكونش في العادة مثل المرتب اللي كان
+
+307
+00:31:13,650 --> 00:31:18,830
+بياخده نص المرتب تلت المرتب حسب الاتفاق المهم ان
+
+308
+00:31:18,830 --> 00:31:24,890
+انه في نوع من ضمان الاجتماعي و هذا ضمان الاجتماعي
+
+309
+00:31:24,890 --> 00:31:28,790
+حقيقة يعني سواء في الإصابات في العلاج يتفر عنه
+
+310
+00:31:28,790 --> 00:31:33,250
+يعني أنواع متعددة التأمين ضد الشيخوخة والتأمين
+
+311
+00:31:33,250 --> 00:31:41,510
+الصحي كل هذه صور متفرعة عن التأمينالتعاونويراحظ يا
+
+312
+00:31:41,510 --> 00:31:46,350
+اخوة ان تأمين التعاون حقيقة صورة كما قلت جالية من
+
+313
+00:31:46,350 --> 00:31:51,830
+صورة التعاون المثالي والتعاون الذي يحقق المصالح
+
+314
+00:31:51,830 --> 00:31:59,110
+للموظفين والعمال وتكاد يعني معظم دول العالم تعمل
+
+315
+00:31:59,110 --> 00:32:04,430
+بهذا النظام من حيث الجملة على اختلاف في التفاصيل
+
+316
+00:32:04,430 --> 00:32:12,270
+وفي التقنينات والنسب وإلى غير ذلكأما بالنسبة
+
+317
+00:32:12,270 --> 00:32:17,890
+للتأمين التعاوني، خليني أقول حكمه مباشرة، واضح أن
+
+318
+00:32:17,890 --> 00:32:21,650
+التأمين التعاوني مافيش فيه إشكلة، كما قلت فقط ما
+
+319
+00:32:21,650 --> 00:32:30,570
+لم تستثمر أموالهبالربا أو تتنمى بطرق الحرام أما
+
+320
+00:32:30,570 --> 00:32:34,190
+كفكرة كنظام لا إشكلة فيها وهو مظهر من مظاهر
+
+321
+00:32:34,190 --> 00:32:40,070
+التعاون الذي يعني نص عليه القرآن الكريم وأمرنا به
+
+322
+00:32:40,070 --> 00:32:44,010
+عندما قالوا تعاونوا على البر والتقوى طيب التأمين
+
+323
+00:32:44,010 --> 00:32:50,330
+التبادلي ما حكايته ما صورته ما مفهومه التأمين
+
+324
+00:32:50,330 --> 00:32:55,950
+التبادلي يا إخوةالى حد كبير يشبه التأمين التعاونى
+
+325
+00:32:55,950 --> 00:33:02,150
+من حيث الحكم كما سنرى لكن طبيعته مختلفة قليلا حيث
+
+326
+00:33:02,150 --> 00:33:11,250
+ان التأمين التبادلى لا تقوم بيه الدولة و لا تراعاه
+
+327
+00:33:11,250 --> 00:33:17,490
+ولكن هذا دعنى اقول يتعلق بالعمال اللى بيشتغلوا في
+
+328
+00:33:17,490 --> 00:33:23,670
+المؤسسات الخاصةأو بالموظفين الخصوصيين أو
+
+329
+00:33:23,670 --> 00:33:28,650
+بالمواطنين العاديين اللي مابشتغلوش حتى في مواطنين
+
+330
+00:33:28,650 --> 00:33:33,690
+أصحاب قرية معينة يتهددهم يعني خطر معين أي خطرة
+
+331
+00:33:33,690 --> 00:33:40,110
+يعني مثلا قرية تسكن على ضفاف النيل وفي كل سنة في
+
+332
+00:33:40,110 --> 00:33:47,360
+شهر ستة أو سبعة بيصير الفيضانو .. فيتهدد بعض
+
+333
+00:33:47,360 --> 00:33:53,480
+المنازل في الغرق أو إلى غير ذلك فيتفق مثلا أهل هذه
+
+334
+00:33:53,480 --> 00:33:57,460
+القرية على أن يأخذوا .. على أن يدفع كل فرد منهم
+
+335
+00:33:57,460 --> 00:34:05,430
+مبلغ من المال على أنه متى يعني حدث الفيضان وتسببفي
+
+336
+00:34:05,430 --> 00:34:12,150
+يعني دمار بيت من البيوت او غرقه يقوم هذا اهل
+
+337
+00:34:12,150 --> 00:34:16,770
+القرية من خلال هذا الصندوق او هذا المال بتعويض او
+
+338
+00:34:16,770 --> 00:34:22,610
+ترميم البيت من جديد فاذا لم يتم اي خطر بيقولوا
+
+339
+00:34:22,610 --> 00:34:27,310
+المال محفوظ مش بروحلأ، بظل المال محفوظ لعام القادم
+
+340
+00:34:27,310 --> 00:34:31,390
+أو يعود تقسيمه إلى الناس الذين دفعوه، فهم كلهم
+
+341
+00:34:31,390 --> 00:34:38,130
+يعني مؤمنين وكلهم مؤمنين، كلهم، مافيش طرف وفيه
+
+342
+00:34:38,130 --> 00:34:43,250
+طرف، هم المؤمنين هم .. هم يعني جمعية تعاونية،
+
+343
+00:34:43,250 --> 00:34:43,810
+جمعية
+
+344
+00:34:51,650 --> 00:34:55,950
+لأ لأ، شوف، يعني في فرق .. هذه الجمعيات التعاونية
+
+345
+00:34:55,950 --> 00:34:59,910
+اللي بتحكي عنها بدون برر، يعني احنا يا أخوة أحيانا
+
+346
+00:34:59,910 --> 00:35:04,430
+على من من بتصير في جمعية تعاونية، أنا بده أتزوج،
+
+347
+00:35:04,430 --> 00:35:07,590
+هذا بده يبني، هذا بده وكذا، فبقولش رايك ده يعمل
+
+348
+00:35:07,590 --> 00:35:11,250
+جمعية، كل واحد يدفعله مية دنار على أساس بعد عشر
+
+349
+00:35:11,250 --> 00:35:19,090
+شهور، يعني خلال عشر شهوركل واحد يدفع 100 دينار و
+
+350
+00:35:19,090 --> 00:35:22,370
+احنا ممكن نكون 21 اذا في مبلغها 2000 دينار هذه
+
+351
+00:35:22,370 --> 00:35:26,110
+جمعيات يعني صورة من صور التعاون لا اشكال فيها و
+
+352
+00:35:26,110 --> 00:35:30,450
+غالبا ما ياخدها المحتاج اولا و الباقي بيعملوله
+
+353
+00:35:30,450 --> 00:35:34,610
+جرعة يعني بتحصل هذه لكن هي دي مش هي مقصودنا يعني و
+
+354
+00:35:34,610 --> 00:35:38,590
+ربما تعتبر صورة من صور التعاون لكن احنا نتكلم عن
+
+355
+00:35:38,590 --> 00:35:43,040
+التأمين على خطر معينهنا بدون خطر بدون .. بدون
+
+356
+00:35:43,040 --> 00:35:46,880
+كارثة يعني بيصير فيه عقود يعني تأمينات الجمعيات
+
+357
+00:35:46,880 --> 00:35:50,720
+لكن هنا نقصد بالجمعيات تعاون التبادل على خطأ يعني
+
+358
+00:35:50,720 --> 00:35:56,400
+يستشهرون بوجود خطر يستشهرون بكل سنة جاعدوا .. من
+
+359
+00:35:56,400 --> 00:35:59,240
+يوم ما عاشوا في هذا البلد كل سنة بتروح .. ب .. ب
+
+360
+00:35:59,240 --> 00:36:03,580
+.. ب .. بتدمر بيت بتين و بضررهم يشحدوا فهم عملوا
+
+361
+00:36:03,580 --> 00:36:09,320
+مثلا هذا ال .. بيجي مرض بكذا أقولك أصحاب الحرفة
+
+362
+00:36:09,320 --> 00:36:14,950
+المعينةالعاملية يعني او التأمين التبادلي انه احنا
+
+363
+00:36:14,950 --> 00:36:18,670
+مجموعة من العمال او ما شابه دارك بنحط مثلا مبالغ
+
+364
+00:36:18,670 --> 00:36:22,830
+كل واحد بقدر استطاعته او .. و بتبقى لمدة سنة،
+
+365
+00:36:22,830 --> 00:36:26,190
+تمام؟ في حاجة انه مثلا صار ضرر او كده، بيأخذ من
+
+366
+00:36:26,190 --> 00:36:30,190
+هذا الصندوق، يعوضه الضرر اللي صار، اذا كان يعني
+
+367
+00:36:30,190 --> 00:36:36,600
+كمية ال .. او المبلغ المدفوع للشخص يعني ..هو قد
+
+368
+00:36:36,600 --> 00:36:41,680
+يكون هذا وقد لا يكون، بمعنى إنه إذا كان الضرر أكبر
+
+369
+00:36:41,680 --> 00:36:46,480
+من المال المجموعة، ممكن يعاد الطلب، زيادة النسبة،
+
+370
+00:36:46,480 --> 00:36:50,340
+يعني احنا بدل ما ندفع 100، ندفع 150 يا جماعة،
+
+371
+00:36:50,340 --> 00:36:56,960
+وبالعكس، إذا كان الضرر أقل،يعني ممكن يعاد، يعاد،
+
+372
+00:36:56,960 --> 00:37:01,280
+فهي جمعية تعاونية قائمة على أساس التبرؤ، أساسا
+
+373
+00:37:01,280 --> 00:37:06,280
+يعني، أنا مش بالضرورة يعني أنه أنا دفقت يعني أني
+
+374
+00:37:06,280 --> 00:37:10,600
+أاخد، ان انا، مش بالضرورة أني دفقت أنه ياخد، لأ،
+
+375
+00:37:10,600 --> 00:37:15,000
+لأ أنا دافع هذا كتبرؤ من حيث المبدأ، بحيث أنه زي
+
+376
+00:37:15,000 --> 00:37:18,920
+ممكن أنا أصاب وممكن لا أصاب، فإن لم أصاب فالحمد
+
+377
+00:37:18,920 --> 00:37:23,300
+لله، إن أصيب غيري فهذا جزء من المسامة و التبرؤ في
+
+378
+00:37:23,300 --> 00:37:30,020
+إيه البناةأو في دفع الكارثة عن يعني أحيانا في
+
+379
+00:37:30,020 --> 00:37:34,580
+المؤسسات الخاصة مصنع العمال تبعينه الحكومة مش
+
+380
+00:37:34,580 --> 00:37:40,440
+مامنين تأمين العمال لكن مصنع خطير ممكن كل يوم
+
+381
+00:37:40,440 --> 00:37:45,360
+التاني هذا أصبح رايح هذا إيده رايحة هذا مصاب كذا
+
+382
+00:37:45,360 --> 00:37:49,780
+عمل شقة أو صعبة أو كذا وفي نفس الوقت يعني فيش
+
+383
+00:37:49,780 --> 00:37:53,980
+عندهم قانون و حكومة فيها الموضوع مش مامنفهم
+
+384
+00:37:53,980 --> 00:37:58,160
+بيروحوا بينهم هال أربعين وخمسين عامل يا جماعة كل
+
+385
+00:37:58,160 --> 00:38:03,740
+واحد يتفعلوا من شهريته قصة معينة على أساس في نهاية
+
+386
+00:38:03,740 --> 00:38:06,860
+.. يعني في ما لو .. لما بيصير لا قدر الله لو أحد
+
+387
+00:38:06,860 --> 00:38:11,840
+منا شغل منها الصندوق نعوضه لما بتعطل على الأجال
+
+388
+00:38:11,840 --> 00:38:15,940
+اللاجمن يعني نعطي لأهله نوع من المصروف مبلغ معين
+
+389
+00:38:15,940 --> 00:38:20,520
+يساهموا في تخفيف وترميم الضرر الذي .. هذه جمعيات
+
+390
+00:38:20,520 --> 00:38:28,220
+تعاونيةمبدأها التبرع. وافرادها هم المؤمنون وهم
+
+391
+00:38:28,220 --> 00:38:35,130
+المستأمنون. لا يقصدوا منها الاستثمار.ولا الاستغنال
+
+392
+00:38:35,130 --> 00:38:41,750
+أبدا هذا أتحدث فيه لأن هذا كله سيختلف عن التأمين
+
+393
+00:38:41,750 --> 00:38:47,610
+التجاري لكن هذه التأمين التعاوني والتأمين التبادلي
+
+394
+00:38:47,610 --> 00:38:53,390
+يعني هما يعني مظهران من مظاهر التأمين المشروع
+
+395
+00:38:53,390 --> 00:38:57,370
+التأمين التبادلي أيه يا اخوة؟ كمان تبادل يعني مظهر
+
+396
+00:38:57,370 --> 00:39:03,030
+مشروع لأن بالفعليمثل حالة راقية من مظاهر من حالات
+
+397
+00:39:03,030 --> 00:39:09,390
+ايش التعاون ودفع الأضرار واشبه بعملية العاقلة هم
+
+398
+00:39:09,390 --> 00:39:12,450
+العاقلة اللي بت .. يعني هم زي مظهر من مظاهر
+
+399
+00:39:12,450 --> 00:39:17,190
+التامين كل واحد لما لو صار وجه في ضرر بيدفعوله أهل
+
+400
+00:39:17,190 --> 00:39:20,990
+الأهلة وممكن واحد على مدار حياته مايكونش ..
+
+401
+00:39:20,990 --> 00:39:25,130
+ماقصبوش ضرر طول عمره بدفع طب بدفع مقابل ماذا؟ تبرع
+
+402
+00:39:26,650 --> 00:39:31,030
+تبرر، نعم تبرر عن هذا .. هذه هي النية الابتدائية،
+
+403
+00:39:31,030 --> 00:39:36,070
+لكن على أنه متى لاحق به أو بغيره ضرر، يتم .. مش
+
+404
+00:39:36,070 --> 00:39:42,630
+بالضرورة أنه يعني يكون في مقابل، وهذه ميزته عقود
+
+405
+00:39:42,630 --> 00:39:55,740
+التبرعاتعقود التبرعات ليس
+
+406
+00:39:55,740 --> 00:40:02,320
+بالضرورة أن تأخذ مقابل أن تدفعهل من تصدق، اتصدق
+
+407
+00:40:02,320 --> 00:40:07,120
+اتبرأ، هل من تصدق بالضرورة ان ياخد، متصدق،
+
+408
+00:40:07,120 --> 00:40:11,540
+والمتبرع كذلك، وصاحب الهبة كذلك، لكن في البيع، في
+
+409
+00:40:11,540 --> 00:40:14,880
+الشراء، عقود المعاوضات، هذا الذي يميزه عن عقود
+
+410
+00:40:14,880 --> 00:40:19,500
+تسمى عقود المعاوضات، عقود المعاوضات انا لما بستأجر
+
+411
+00:40:19,770 --> 00:40:26,010
+بدفع مقابل انتفاع بالإيجار لمن باشتري، بادفع مقابل
+
+412
+00:40:26,010 --> 00:40:31,570
+تملك سلع معينة، إن لم أتملك، إن لم أستأجر و أخد
+
+413
+00:40:31,570 --> 00:40:38,290
+هذا فالمال دون مقابل فيكون باطلا في هذه الحالة
+
+414
+00:40:38,290 --> 00:40:42,610
+المال وتكون العقد ربما فيه مشكلة، ربما هذا مثلا
+
+415
+00:40:42,610 --> 00:40:45,230
+اتحدث فيه ان شاء الله المرة القادمة، شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/GXIMMsQOzi0.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/GXIMMsQOzi0.srt
new file mode 100644
index 0000000000000000000000000000000000000000..81dd3343054ab0334c8fc95917735811737d6ee8
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/GXIMMsQOzi0.srt
@@ -0,0 +1,1336 @@
+1
+00:00:22,090 --> 00:00:25,090
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:25,090 --> 00:00:31,910
+على رسول الله وعلى آله وصحبه وسلم تسليما كثيرا
+
+3
+00:00:31,910 --> 00:00:37,870
+اللهم إنا نسألك في هذا الصباح المبارك أن تيسر لنا
+
+4
+00:00:37,870 --> 00:00:42,670
+أمورنا وأن تشرح لنا صدورنا وأن تعلمنا ما ينفعنا
+
+5
+00:00:42,670 --> 00:00:47,390
+وأن تنفعنا بما علمتنا وأن تزيدنا وإياكم من علمه يا
+
+6
+00:00:47,390 --> 00:00:50,890
+رب العالمين وبعد
+
+7
+00:00:52,670 --> 00:00:59,650
+لازال الحديث متواصلاً عن وحول المرابحة المصرفية
+
+8
+00:00:59,650 --> 00:01:09,330
+والذي كنا قد بدأنا الحديث فيها وعنها بعد أن
+
+9
+00:01:09,330 --> 00:01:15,030
+انتهينا من الحديث عن المرابحة العادية تمهيداً
+
+10
+00:01:15,030 --> 00:01:22,660
+للحديث عن المرابحة المصرفية،  لأن ثمة علاقة
+
+11
+00:01:22,660 --> 00:01:27,900
+كبيرة بين المرابحة المصرفية والمرابحة العادية، حتى
+
+12
+00:01:27,900 --> 00:01:34,640
+أنه يمكننا القول بأن المرابحة المصرفية هي وليدة
+
+13
+00:01:34,640 --> 00:01:40,200
+المرابحة العادية، هي ابنتها، هي صورة مطورة
+
+14
+00:01:40,490 --> 00:01:47,210
+هي صورة مُفرعة عن المرابحة العادية، لذلك اقتضى منا
+
+15
+00:01:47,210 --> 00:01:50,890
+الأمر أن نتحدث عن المرابحة العادية وقد استغرقنا
+
+16
+00:01:50,890 --> 00:01:55,370
+محاضرتين كاملتين ونحن نتحدث عن المرابحة العادية
+
+17
+00:01:56,300 --> 00:02:02,840
+بدءاً بتأصيلها وأنها أحد صور بيع الأمانة الذي هو
+
+18
+00:02:02,840 --> 00:02:10,060
+أحد أنواع البيوع، ومروراً بأركانها وشروطها، ثم الشروط
+
+19
+00:02:10,060 --> 00:02:15,300
+الخاصة بالمرابحة العادية التي تختلف عن سائر شروط
+
+20
+00:02:15,300 --> 00:02:22,350
+البيوع عموماً أو صور البيوع عموماً، حتى تحدثنا عن
+
+21
+00:02:22,350 --> 00:02:27,210
+الخيانة والكذب اللذين يمكن أن يصدر عن البائع في
+
+22
+00:02:27,210 --> 00:02:33,350
+المرابحة  ثم يتبينه المشتري، وما الحكم فيه
+
+23
+00:02:33,350 --> 00:02:40,670
+وهذا ما تحدثنا فيه ربما المرة الفائتة، حيث قلنا بأن
+
+24
+00:02:42,670 --> 00:02:46,910
+بأنه إذا تبين للمشتري في مرابحة بينه وبين البائع
+
+25
+00:02:46,910 --> 00:02:54,490
+بطريق المرابحة أن البائع قد خدعه وغشه وخانه في
+
+26
+00:02:54,490 --> 00:03:02,910
+الإفصاح عن السعر الأصلي، جاز له.. أي للمشتري أن
+
+27
+00:03:02,910 --> 00:03:08,310
+يرد المبيع تماماً أيها الإخوة، كمن وجد في غير بيوع
+
+28
+00:03:08,310 --> 00:03:13,730
+الأمانة، في بيوع المساومات، من وجد عيباً إضافياً في المبيع، في
+
+29
+00:03:13,730 --> 00:03:18,770
+السلعة، من وجد عيبًا ليس معتاداً في مثل هذه
+
+30
+00:03:18,770 --> 00:03:23,650
+السلعة، فإن الشريعة أعطته الحق، فما  اكتشف هذا
+
+31
+00:03:23,650 --> 00:03:28,630
+العيب، أن يرد هذا.. أن يرده إلى صاحبه، وهنا..
+
+32
+00:03:28,630 --> 00:03:35,460
+وهذا يعني أكثر من عيب، هذا عيب، وأكثر من عيب، الذي هو
+
+33
+00:03:35,460 --> 00:03:41,240
+الخداع، فلذلك من حقه أن يرد، وسواء كان ذلك الخداع
+
+34
+00:03:41,240 --> 00:03:50,660
+كما قلت، في صفة الثمن، وهو ما سميناه الخداع بالتورية
+
+35
+00:03:50,660 --> 00:03:59,700
+أو غير الواضح وغير الصريح، أو كانت
+
+36
+00:03:59,700 --> 00:04:04,980
+تلك الخيانة في قدر الثمن، وهي الخيانة الصريحة، بحيث
+
+37
+00:04:04,980 --> 00:04:11,620
+لو كان قد أخبر المشتري بأن السلعة عليه بخمسين
+
+38
+00:04:11,620 --> 00:04:17,200
+وحقيقة الأمر أنها بأربعين أو بثلاثين، هذا كذب صريح
+
+39
+00:04:17,750 --> 00:04:21,710
+أما الذي كان من النوع الثاني، الذي هو الخيانة عن
+
+40
+00:04:21,710 --> 00:04:27,350
+طريق الصفة أو من خلال التمويه، كما قلت، بأن يكون قد
+
+41
+00:04:27,350 --> 00:04:32,030
+اشترا البضاعة سابقاً، البائع الأول، اشترا
+
+42
+00:04:32,030 --> 00:04:36,890
+هذه البضاعة التي باعها بعد ذلك مرابحة، اشتراها بثمن
+
+43
+00:04:36,890 --> 00:04:39,450
+كان عبارة عن تسديد ديون
+
+44
+00:04:42,050 --> 00:04:46,890
+وفي حقيقة الأمر أن هذه السلعة التي اشتراها لا
+
+45
+00:04:46,890 --> 00:04:53,050
+تساوي تلك الديون، وإنما هو قبلها لمصلحة، لأنه يخشى
+
+46
+00:04:53,050 --> 00:04:57,170
+على دينه أن يضيع، فقبل أن تكون هذه البضاعة، رغم أنها
+
+47
+00:04:57,170 --> 00:05:02,030
+أقل في الحقيقة من ثمن الدين، راضياً أن تكون مقبولة له
+
+48
+00:05:02,030 --> 00:05:08,270
+ثم لم يخبر من باعها مرة أخرى إليه مرابحة
+
+49
+00:05:08,270 --> 00:05:20,440
+بطريقة البيع، بطريقة البيع، فكان من حق المشتري في هذه
+
+50
+00:05:20,440 --> 00:05:24,280
+الحالة، لأن فيها نوعاً من التضليل والتدليس، أن يرد
+
+51
+00:05:24,280 --> 00:05:31,280
+المبيع، ثم انتقلنا بعد هذا كله للحديث عن المرابحة
+
+52
+00:05:31,280 --> 00:05:34,680
+المصرفية، بدأنا المرة الماضية بالحديث عن المرابحة
+
+53
+00:05:34,680 --> 00:05:38,940
+المصرفية بعد أن انتهينا من الحديث عن المرابحة
+
+54
+00:05:38,970 --> 00:05:43,950
+العادية، وقلنا بأن المرابحة المصرفية هي عبارة عن
+
+55
+00:05:43,950 --> 00:05:50,010
+طلب شخص.. عن طلب شخص من آخر.. من آخر، سواء شخص،
+
+56
+00:05:50,010 --> 00:05:56,210
+سواء فرد، سواء جهة، سواء شركة، سواء بنك، ما يهم، طلب
+
+57
+00:05:56,210 --> 00:06:06,670
+شخص من آخر أن يشتري له سلعة أو بضاعة بمواصفات محددة
+
+58
+00:06:06,670 --> 00:06:15,310
+أو تعييناً، بمواصفات محددة، أو تعييناً، لماذا يشتريها
+
+59
+00:06:15,310 --> 00:06:22,570
+على أن يتعهد بشرائها هذا الشخص الأول، على أن يتعهد
+
+60
+00:06:22,570 --> 00:06:29,510
+أو على أساس وعدٍ بشرائها مربحاً، يعني يعطيه زيادة
+
+61
+00:06:29,510 --> 00:06:31,450
+عن ما اشتراه، مربحاً
+
+62
+00:06:35,310 --> 00:06:42,150
+بالربح المتفق عليه، وعلى أن يتم تسديد الثمن على
+
+63
+00:06:42,150 --> 00:06:48,330
+دفعات متفق عليها، نعم، إذا هذه هي المرابحة المصرفية
+
+64
+00:06:48,330 --> 00:06:52,270
+أو هذه هي فكرتها، أو هذه هي حقيقتها، المرابحة
+
+65
+00:06:52,270 --> 00:06:57,970
+المصرفية، وتلاحظون أنها بالفعل هي قريبة جداً من
+
+66
+00:06:57,970 --> 00:07:03,690
+المرابحة العادية، ولكن باستثناء يعني بعض الفروق
+
+67
+00:07:03,690 --> 00:07:06,970
+التي سنتحدث عنها الآن
+
+68
+00:07:09,300 --> 00:07:14,260
+يعني تحدثنا كذلك بعد بيان المرابحة المصرفية عن
+
+69
+00:07:14,260 --> 00:07:18,480
+الخطوات التي تتم بها هذه المرابحة أيها الأخوة
+
+70
+00:07:18,480 --> 00:07:22,700
+المصرفية التي ذكرنا معناها وحقيقتها، إنما تتم في
+
+71
+00:07:22,700 --> 00:07:28,920
+خطوات متعددة، لا تتم في صفقة واحدة ولا في مجلس واحد
+
+72
+00:07:28,920 --> 00:07:35,630
+ولكن على خطوات، الخطوة الأولى التي تتم بها أن يتقدم
+
+73
+00:07:35,630 --> 00:07:43,950
+الشخص هذا بطلب لتلك الجهة، البنك أو غيره، بعد أن
+
+74
+00:07:43,950 --> 00:07:49,190
+يكون طبعاً هناك استعداد من قبل تلك الجهة، وهذا
+
+75
+00:07:49,190 --> 00:07:53,210
+يمكن أن أعتبره خطوة قبل، بعد أن يكون ثمّة استعداد
+
+76
+00:07:53,210 --> 00:07:59,710
+وقبول من تلك الجهة على أن تتعامل بهذه المعاملة،
+
+77
+00:07:59,710 --> 00:08:02,430
+لكن أنا أذهب لجهة لا تتعامل بهذه المعاملة ابتداءً
+
+78
+00:08:02,430 --> 00:08:08,690
+فارغة، لكن الخطوة الأولى بعد الاستعداد من قبل الجهة
+
+79
+00:08:08,690 --> 00:08:16,370
+أن يقدم طلباً، هذا الشخص، يعرف فيه عن رغبته في شراء
+
+80
+00:08:16,370 --> 00:08:22,870
+أو في شراء سلعة معينة عن طريق هذه الجهة ليشتريها
+
+81
+00:08:22,870 --> 00:08:29,130
+بعد ذلك بطريق المرابحة، وهذا الطلب عادة هو عبارة عن
+
+82
+00:08:29,130 --> 00:08:29,810
+نموذج
+
+83
+00:08:32,440 --> 00:08:38,540
+يُعبأ فيه الشخص المعلومات المطلوبة، بدءاً من معلوماته
+
+84
+00:08:38,540 --> 00:08:43,460
+الشخصية، ومروراً بالمعلومات المتعلقة بالبضاعة
+
+85
+00:08:43,460 --> 00:08:49,180
+وانتهاءً بالضمانات والكفالات اللازمة والمطلوبة، في
+
+86
+00:08:49,180 --> 00:08:53,860
+حال وجود خلاف في المواصفات، لأنّ المذهب الإسلامي أو
+
+87
+00:08:53,860 --> 00:08:57,680
+المذهب المالكي يتجنب، يتجنب هذا، المواصفات، يعني
+
+88
+00:08:57,680 --> 00:09:02,780
+ممكن أنه.. وإلا لما قلنا بجوازها، أو لما قال من
+
+89
+00:09:02,780 --> 00:09:07,220
+قال، كما سنعرف بعد قليل، ما قال من قال بجواز
+
+90
+00:09:07,220 --> 00:09:13,910
+المرابحة المصرفية إلا لهذا، ولو لم يكن المصرف يتحمل
+
+91
+00:09:13,910 --> 00:09:20,670
+هذه المخاطر، على قلتها، لما جازت، كانت أشبه بالربا، ولكن
+
+92
+00:09:20,670 --> 00:09:26,390
+بسبب وجود أن هناك بضاعة حقيقية، وشراء حقيقي، وتملك
+
+93
+00:09:26,390 --> 00:09:32,610
+حقيقي، وتحمل الأخطار المتوقعة، لأن حتى البنك لما
+
+94
+00:09:32,610 --> 00:09:37,670
+يشتريها يا إخوة، ممكن بالغلط تيجي البضاعة مش هي التي
+
+95
+00:09:37,670 --> 00:09:43,460
+الذي سيتحمل، أنه البنك، مثلاً يمكن جابوها هي هي وهو
+
+96
+00:09:43,460 --> 00:09:50,540
+ماشي، جلبت السيارة، المحمولة، أو البضاعة، هلكت وتلفت
+
+97
+00:09:50,540 --> 00:09:55,120
+كذلك الحال، هو يتحمل مسئوليتها، هذا هو الأساس الذي
+
+98
+00:09:55,120 --> 00:10:00,700
+دفع القائلين بالجواز، يعني حقيقة ولو لم يتحمل ذلك
+
+99
+00:10:00,700 --> 00:10:08,580
+لا يقول أحد بمشروعيتها، تصبح محرّمة، تصبح كالربا، نعم
+
+100
+00:10:15,800 --> 00:10:23,480
+إذا كان هناك تطبيقات خاطئة في البنوك، فهذا ليس ذنب
+
+101
+00:10:23,480 --> 00:10:28,850
+من قال بمشروعيتها، هذه تطبيقات خاطئة، ينبغي أن تُعدّل، و
+
+102
+00:10:28,850 --> 00:10:34,230
+أن أنت كمتقدم لطلب.. طلب المرابحة، يجب عليك أن
+
+103
+00:10:34,230 --> 00:10:38,330
+تنبه، وأن لا تقبل بالتوقيع على هذه المعاملة حتى
+
+104
+00:10:38,330 --> 00:10:43,690
+يتم الالتزام بأن يقوم البنك نفسه بشراء السلعة
+
+105
+00:10:43,690 --> 00:10:47,690
+وتدخل في ملكيته، ويتحمل مسئوليتها ولو ساعة من
+
+106
+00:10:47,690 --> 00:10:53,150
+الزمان، ثم تعود بعد ذلك، يعني يعودوا إلى.. ثم يبيعوها
+
+107
+00:10:53,150 --> 00:10:59,540
+لك مرابحة، أغلب المؤسسات الإسلامية التي موجودة في
+
+108
+00:10:59,540 --> 00:11:02,800
+غزة تتعامل بنفس الطريقة التي حكى الأخ، أنه يروح
+
+109
+00:11:02,800 --> 00:11:06,780
+يشتري أو يستأجر مع التاجر أو كذا، يعني يشتري بالتاجر
+
+110
+00:11:06,780 --> 00:11:10,840
+أنا لفيت، بس جميل، جميل، بس بقى أنا، عاقِد بشكل أساسي
+
+111
+00:11:10,840 --> 00:11:18,260
+في حاجة يعني ربما غير واضحة، أو في تفريق لابد منه
+
+112
+00:11:18,260 --> 00:11:21,600
+هناك فرق يا إخوة في تعريف المرابحة، أنا قلت
+
+113
+00:11:21,600 --> 00:11:26,690
+بمواصفات أو تعييناً، أنا ممكن أروح للبنك أقول له
+
+114
+00:11:26,690 --> 00:11:29,670
+اشترِ لي السيارة الفلانية المعروضة للبيع في المعرض
+
+115
+00:11:29,670 --> 00:11:33,850
+الفلاني، أو أنت، الشخص الفلاني، هي بعينها، ولا مانع
+
+116
+00:11:33,850 --> 00:11:39,470
+أقول صراحةً، لا مانع أن أنا، يعني أنا طلبت
+
+117
+00:11:39,470 --> 00:11:45,890
+الشراء، قُدّام طلب الشراء، أن أكون يعني،  أتفاوض أو أساوم
+
+118
+00:11:45,890 --> 00:11:50,570
+الشخص الأول على سعرها دون شراء، بكم و جديش آخر شيء
+
+119
+00:11:50,570 --> 00:11:56,150
+بتبيعه، وعرفت يعني آخر شيء، عرفت أن سعرها ب 20 ألف، و
+
+120
+00:11:56,150 --> 00:12:00,590
+بعدها قلت اسمع أنا بدي إياها، لكن يعني بدي أشتريها
+
+121
+00:12:00,590 --> 00:12:05,310
+عن طريق البنك، لِتسديدها ماشي، لما أجيب البنك، فرج
+
+122
+00:12:05,310 --> 00:12:09,310
+أجاني البنك،  مبيعها، أجاني غير البنك مبيعها، هذا لا
+
+123
+00:12:09,310 --> 00:12:14,690
+لا إشكال فيه ما لم يتم التعاقد والدفع، متى الإشكال؟
+
+124
+00:12:14,690 --> 00:12:20,610
+إذا تمت المبايعة، أما مجرد يعني الوعود والمساومات و
+
+125
+00:12:20,610 --> 00:12:25,050
+التعرف على الأسعار هذا لا إشكال فيه، أنت تستطيع أن
+
+126
+00:12:25,050 --> 00:12:29,130
+تدخل السوق محلاً محلاً وتتعرف على الأسعار ولا تشتري
+
+127
+00:12:29,130 --> 00:12:31,430
+شيئاً، هل يلزمك أحد بشيء؟
+
+128
+00:12:36,810 --> 00:12:44,950
+إذا قبل.. إذا قبل المش.. البائع.. إذا قبل..
+
+129
+00:12:46,240 --> 00:12:51,800
+أيوة، أيوة، إذا قبل الأول أن يحجزها له.. أن يحجزها
+
+130
+00:12:51,800 --> 00:12:54,920
+له ويقول له بقى يومين تلاتة أنا ممكن أحجز لك إياها
+
+131
+00:12:54,920 --> 00:12:58,320
+لكن بعد هيك ما.. بدون مصاري.. بدون مصاري.. أنا
+
+132
+00:12:58,320 --> 00:13:01,500
+ممكن.. قاله طيب خلاص، هأحجز لك إياها لمدة أسبوعين
+
+133
+00:13:01,500 --> 00:13:04,640
+تلاتة، لكن لو دفع مصاري وقال له أروح أنا عليك المال
+
+134
+00:13:04,640 --> 00:13:08,000
+..ممكن نخش في الممنوع في الحالة هذه.. لكن لو قبل
+
+135
+00:13:08,000 --> 00:13:12,790
+هو أنه قاله خلاص ولا يهمه، وعد، وعد غير ملزم كمان
+
+136
+00:13:12,790 --> 00:13:17,430
+بالمناسبة، يعني لو قابل بالحجز وبعدين باعها،
+
+137
+00:13:17,430 --> 00:13:21,710
+ما أقدرش أرفع عليه قضية، لأنه وعد، هذا وعد، هذا وعده
+
+138
+00:13:21,710 --> 00:13:25,370
+بالشراء، وهذا وعده بالالتزام، وكل منهما وعد
+
+139
+00:13:25,370 --> 00:13:31,210
+الآخر، آدمياً، الأصل أن يلتزموا قضائياً، لو لم
+
+140
+00:13:31,210 --> 00:13:36,550
+يفعلوا، لا شيء عليهم، فلابد من التفريق، يعني أحياناً
+
+141
+00:13:36,550 --> 00:13:41,770
+يعني يظن البعض من باب يعني أن مجرد يعني المساومة
+
+142
+00:13:41,770 --> 00:13:47,210
+هذه التي لا تصل أنا أقول إلى.. إلى إيه؟ إلى..
+
+143
+00:13:47,210 --> 00:13:53,250
+إلى درجة إيقاع العقد، لكن إذا تم التعاقد تماماً و
+
+144
+00:13:53,250 --> 00:13:58,280
+أعطاه جزءاً من المصاري على أساس إنه خلاص بيع وشراء..
+
+145
+00:13:58,280 --> 00:14:03,200
+هنا لا يجوز، لأن هذا أصلاً صارت إن الـ bank بدو
+
+146
+00:14:03,200 --> 00:14:06,540
+يشتريها منك وليست كذلك، إذا تم الشراء، صار كأنه
+
+147
+00:14:06,540 --> 00:14:10,100
+شريْ هدية وبدو بس يجيب مصاري من الـ bank ويعطيها
+
+148
+00:14:10,100 --> 00:14:11,780
+له.. هنا الحرمة.. نعم
+
+149
+00:14:17,550 --> 00:14:21,930
+الـ ملتزم، فجأة يروح لأي.. أي تاجر ويتفّق معه
+
+150
+00:14:21,930 --> 00:14:24,810
+على قدّاش السعر، وبينطيك ورقة وبيعبّيها التاجر
+
+151
+00:14:24,810 --> 00:14:28,010
+بقيمة السعر، اللي إيه؟ عرض، يا عرض سعر، اسمها عرض سعر
+
+152
+00:14:28,010 --> 00:14:34,010
+عرض، عرض سعر، جيد، على أن الـ.. يعني تدفع جزءاً من
+
+153
+00:14:34,010 --> 00:14:38,440
+المبلغ، مش إنه أنا أشتري لك إياها بالكامل، ماشي، جزء من
+
+154
+00:14:38,440 --> 00:14:43,260
+المبلغ، لا يدفع للشخص، للتاجر، يدفع للبنك، للبنك،
+
+155
+00:14:43,260 --> 00:14:49,320
+لباس، لا بس، لا إشكال، ما فيش فيها إشكال، هو الـ bank
+
+156
+00:14:49,320 --> 00:14:54,040
+بيخليك تدفع، عشان من باب الحاجة، زي الكفالة، وزي
+
+157
+00:14:54,040 --> 00:14:58,950
+الضمان، وزي الـ.. كذا، أه، تدفعها للبنك وتصبح كـ ش..
+
+158
+00:14:58,950 --> 00:15:03,110
+يعني هذه المصاري اللي بتدفعها مش خارج عن المرابحة،
+
+159
+00:15:03,110 --> 00:15:07,930
+يعني كأنك أنت والبنك اشتريتا السيارة، أه، ما فيش
+
+160
+00:15:07,930 --> 00:15:11,370
+مشكلة، ما لم تكن قد دفعتها إلى الشخص نفسه
+
+161
+00:15:11,370 --> 00:15:15,070
+واشتريتها، وكان جزء من المبلغ، جزء من الثمن، أما
+
+162
+00:15:15,070 --> 00:15:20,890
+تدفع للبنك كنت.. يعني أنا.. أنا اشتريت أرض مرابحة
+
+163
+00:15:20,890 --> 00:15:25,490
+عن طريق الجامعة، يعني أنا دفعت ثلث، يعني وهم اشترُوا
+
+164
+00:15:25,490 --> 00:15:29,210
+الثلثين مثلاً، هذه حصة مثلاً خمسين، وهذه خمسة عشر، و
+
+165
+00:15:29,210 --> 00:15:32,270
+أنتم خمسة عشر.. خمسة عشر.. فاشترينا.. أنا.. يعني
+
+166
+00:15:32,270 --> 00:15:41,550
+كنت.. أنا والـ.. والجامعة يعني طرف طرف و.. و
+
+167
+00:15:41,550 --> 00:15:46,600
+الـ.. والباقي صاحب الأرض طرف، صرت أنا وياه شريك،
+
+168
+00:15:46,600 --> 00:15:50,240
+بعد مرور، بعد ما سدد القصة اللي عليا، بيبيعني الجزء
+
+169
+00:15:50,240 --> 00:15:57,2
+
+223
+00:20:23,340 --> 00:20:26,220
+أحوال مالِك، هيكون .. يعني قصدي مستودعاته أو يعني
+
+224
+00:20:26,220 --> 00:20:29,400
+إزاي في .. لأ، هو في .. في بنوك لها مستودعاتها،
+
+225
+00:20:29,400 --> 00:20:33,220
+زي ما قلت عند .. أصلا عندما يكون العمر كذلك لا
+
+226
+00:20:33,220 --> 00:20:39,130
+مشكلة، إحنا بنتحدث في قضية فيها مشكلة، إحنا بنتحدث
+
+227
+00:20:39,130 --> 00:20:43,490
+الآن في صورة وصور المرابحات المصرفية لمحال الخلافة
+
+228
+00:20:43,490 --> 00:20:48,570
+لكن أقول الصورة اللي في بالك وفي بالي أنه الـ الـ
+
+229
+00:20:48,570 --> 00:20:52,470
+.. الـ .. الـ .. الـ bank يشتري البضاعة اللي أنا بدي
+
+230
+00:20:52,470 --> 00:20:56,410
+إياها، وبعدين أنا إِلَيّ الحرية هذا ما لا خلافة فيه
+
+231
+00:20:56,410 --> 00:21:01,090
+وهذا هو الأصل الحقيقي، لا إشكال في ذلك لأن الأصل أنه
+
+232
+00:21:01,090 --> 00:21:05,070
+أنا يكون إليّ حق الخيار لكن عندما يكون هناك إلزام
+
+233
+00:21:05,070 --> 00:21:14,010
+يسقط حق الخيار الذي شرعه .. شرعته الشريعة، لكن هل
+
+234
+00:21:14,010 --> 00:21:18,610
+هناك من تخريجات؟ هنشوف الآن يعني .. الآن إحنا لما
+
+235
+00:21:18,610 --> 00:21:24,170
+نكون كمان مرة، البنك له مستودعاته، ما هو أصلا الـ
+
+236
+00:21:24,170 --> 00:21:27,790
+supermarket في الغالب بيجيب حسب طلب الناس أو أي
+
+237
+00:21:27,790 --> 00:21:32,270
+دكان، آه بدي طحين بكرا بجيب لك، طيب طب لو ما جابَهُ
+
+238
+00:21:32,270 --> 00:21:37,280
+الرجل، تقول له بكرا ما فيش التزام، ما فيش مشكلة، وهو
+
+239
+00:21:37,280 --> 00:21:43,380
+ملزم كانش، لكن هنا الاختلاف في الإلزام، وهذه اللي
+
+240
+00:21:43,380 --> 00:21:51,560
+كانت محطة الانقسام بين العلماء، محطة الاختلاف،
+
+241
+00:21:51,560 --> 00:21:56,110
+الوعد الملزم، لأن الوعد أساساً ليس ملزماً على رأي
+
+242
+00:21:56,110 --> 00:21:59,950
+البعض أو على رأي الجمهور كما سنرى ويمكن سابقاً أن
+
+243
+00:21:59,950 --> 00:22:03,630
+أشرنا في .. في التأمين قاعدة الالتزامات والوعد
+
+244
+00:22:03,630 --> 00:22:08,370
+الملزم، هذا هيفيدنا هنا كثيراً، نرجع للخطوات وهذا
+
+245
+00:22:08,370 --> 00:22:12,850
+كله إحنا يعني سابقاً يعني دخلته في عمق الـ الـ
+
+246
+00:22:12,850 --> 00:22:21,000
+المسألة، لكن معلش برضه، إذن بعد ما يتم الالتزام إحنا
+
+247
+00:22:21,000 --> 00:22:23,820
+بنتكلم عن خطوات بغض النظر عن صحتها وعدمها الآن
+
+248
+00:22:23,820 --> 00:22:27,760
+هذه الخطوات الموجودة وبناء عليها نبدأ نحكم هذه
+
+249
+00:22:27,760 --> 00:22:33,360
+الموجود، وإلا كيف يحكم المجتهد؟ بناء على التصور،
+
+250
+00:22:33,360 --> 00:22:38,920
+رأي، التصور من خلال الخطوات والتعريف والحقيقة، إذن
+
+251
+00:22:38,920 --> 00:22:46,850
+هو بعد هذا الوعد اطمئن تماماً بعد هذا التعاهد
+
+252
+00:22:46,850 --> 00:22:54,830
+بالالتزام، بالشراء، وبعد الكفالة، ويعني كل شيء، أتمنى
+
+253
+00:22:54,830 --> 00:22:59,070
+فراح اشتراها، أي خطوة جديدة برضه، خطوة رابعة راح قام
+
+254
+00:22:59,070 --> 00:23:03,710
+البنك اشتراها فعلاً، راح باع المندوب تاعه واشترى
+
+255
+00:23:03,710 --> 00:23:06,990
+السيارة، اشترى قطعة الأرض، اشترى البضاعة، اشترى
+
+256
+00:23:06,990 --> 00:23:12,070
+الأسمنت، اشترَاهُ ودفع مصاريفها وأصبح، والشخص هذا
+
+257
+00:23:12,070 --> 00:23:17,200
+البائع، صحيح لا يعرفه إلا البنك أو في الأصل يعني أو
+
+258
+00:23:17,200 --> 00:23:20,540
+تعامل رسمي حتى لو بيعرف الثاني، بيعرف و أمْرُه ده تروح
+
+259
+00:23:20,540 --> 00:23:23,540
+مش مشكلة، لكن التعامل الرسمي يعني لو جاءه الثاني
+
+260
+00:23:23,540 --> 00:23:28,120
+قال له فيها ولا ما فيها، أنا بِعتُك ما بِعتُكش، أنا بعت
+
+261
+00:23:28,120 --> 00:23:35,220
+البنك، البنك يشتريها، عندما يشتريها بعد ذلك تأتي
+
+262
+00:23:35,220 --> 00:23:39,640
+الخطوة الأخيرة، خطوة بيع المرابحة، لأمر بالشراء
+
+263
+00:23:42,000 --> 00:23:45,580
+توافقت مع المواصفات، هذه البضائع أجريناها، تفضل،
+
+264
+00:23:45,580 --> 00:23:50,400
+مظبوط، وفق المواصفات أو هي السيارة اللي طلبتها، هي
+
+265
+00:23:50,400 --> 00:23:54,780
+الأرض، كذا، أستلم، تفضل، هذا المفتاح، هذه البضائع،
+
+266
+00:23:54,780 --> 00:24:01,900
+هذه الكذا، وهذه هي صورتها أو هذه هي إجراءاتها وخطوات
+
+267
+00:24:01,900 --> 00:24:05,780
+يعني القيام بالمرابحة
+
+268
+00:24:07,320 --> 00:24:14,140
+أيضاً قبل بيان الحكم، بقي أن نختم ببيان .. قبل
+
+269
+00:24:14,140 --> 00:24:19,580
+الحديث عن الحكم، ببيان الفروق بين المرابحة العادية
+
+270
+00:24:19,580 --> 00:24:24,880
+والمرابحة المصرفية، إحنا بنبين الفروق ليش؟ لأن
+
+271
+00:24:24,880 --> 00:24:33,370
+المرابحة العادية يا إخوان صحيحة، جائزة باتفاق، المرابحة
+
+272
+00:24:33,370 --> 00:24:38,390
+المصرفية اختلفت، فيه فروق، بنحط إيدينا على الفروق،
+
+273
+00:24:38,390 --> 00:24:44,270
+نُسلّط الضوء على الفروق، وننظر هل هذه الفروق التي
+
+274
+00:24:44,270 --> 00:24:51,330
+طُرقت، تصلح أن تكون أو لمَ تَكُن سبباً في تغيير
+
+275
+00:24:51,330 --> 00:24:57,170
+الحكم من الجواز إلى الحرمة، أم أنها مجرد فروق شكلية
+
+276
+00:24:57,170 --> 00:25:03,910
+أو لها تخريجات فقهية فتبقى كذلك شرعية؟ إذن هذه
+
+277
+00:25:03,910 --> 00:25:08,130
+أهمية إيه؟ أهمية الحديث عن الفروق، تُهمُّنا يا إخوان
+
+278
+00:25:08,130 --> 00:25:12,650
+نتعرف على الفروق لأنها هتساعدنا على الوصول للحكم أو
+
+279
+00:25:12,650 --> 00:25:15,610
+على تفهم الحكم، مش إحنا اللي هنصدر الحكم، لكن إحنا
+
+280
+00:25:15,610 --> 00:25:19,570
+هنتفهم على الأقل من خلال تعرفنا على هذه الفروق
+
+281
+00:25:19,570 --> 00:25:24,950
+لماذا أصدر من أصدر الحكم بالجواز، ولماذا من أصدر
+
+282
+00:25:24,950 --> 00:25:33,560
+الحكم بعدم الجواز، أول فرق، اتفضل، طب معلش تفضل أسألك،
+
+283
+00:25:33,560 --> 00:25:42,420
+اللي
+
+284
+00:25:42,420 --> 00:25:47,880
+هو المشتري بالظبط، الـ bank يُلزم من المشتري أو من
+
+285
+00:25:47,880 --> 00:25:54,470
+أراد بالشراء، البنك يُلزم من أراد الشراء، بنك صاحب
+
+286
+00:25:54,470 --> 00:26:03,450
+الطلب يُلزمه بوعد ملزم مكتوب، التزام اسمه تعهد
+
+287
+00:26:03,450 --> 00:26:08,750
+والتزام، التزام بالشراء، البنك يُلزم من .. الخطوات دي
+
+288
+00:26:08,750 --> 00:26:13,730
+كلها ما فيها عقد لسه، الخطوات، تقديم الطلب ودراسة
+
+289
+00:26:13,730 --> 00:26:18,730
+الطلب والموافقة على الطلب، لسه كله كله كلام، خطوات
+
+290
+00:26:18,730 --> 00:26:25,390
+مبدئية، يبدأ الجد من عند الالتزام، الالتزام المشتري
+
+291
+00:26:25,390 --> 00:26:31,670
+بالشراء، متى اشترى البنك، ولكن هذا الالتزام أيها
+
+292
+00:26:31,670 --> 00:26:35,990
+الأخوة مقابل بالتزام آخر للبنك وهو أن يأتي
+
+293
+00:26:35,990 --> 00:26:41,740
+بالبضاعة بمثل المواصفات التي تم الاتفاق عليها، يعني التزام مقابل
+
+294
+00:26:41,740 --> 00:26:47,080
+بالتزام، يعني مش يُلزمني بأي حاجة، جابها، طلبت سيارة
+
+295
+00:26:47,080 --> 00:26:51,820
+2010 يجيب لي 2008، طلبت سيارة Mercedes يجيب لي واحد
+
+296
+00:26:51,820 --> 00:26:57,960
+Hyundai، ما ينفعش، التزام مقابل بالتزام
+
+297
+00:27:00,500 --> 00:27:05,820
+فهذا سؤالك ولا إيش أنا .. خلاص .. آه هو يشترط
+
+298
+00:27:05,820 --> 00:27:10,280
+عليها أن يلتزم وإلا ما الذي سيدفعه لـ لـ لـ
+
+299
+00:27:10,280 --> 00:27:13,900
+لأن يشتري، يا هو .. هو هيشتري بناء على التزام
+
+300
+00:27:13,900 --> 00:27:18,740
+مسبوق، بده يضمن البيع بالعربي يعني .. آه ..
+
+301
+00:27:22,370 --> 00:27:27,190
+ممكن إذا إذا إذا شوف هنا في ممكن تصير اشتراطات
+
+302
+00:27:27,190 --> 00:27:32,630
+أخرى من قبل المشتري، طب ماذا لو لم تستطع أنت في
+
+303
+00:27:32,630 --> 00:27:36,690
+الغالب بقوله أنا إيه ده قدرت أجيبها جبتها، ما قدرت ..
+
+304
+00:27:36,690 --> 00:27:39,770
+يعني غير ملزم، لو بطل ما قدرش يجيبها إيش هيمْلِهُ
+
+305
+00:27:39,770 --> 00:27:44,850
+المشتري؟ المشتري، يعني عقد المرابحة يا إخوان فيه نور
+
+306
+00:27:44,850 --> 00:27:49,110
+.. أنا بقول لكم فيه صورة من صور وقود الإدعاء يعني
+
+307
+00:27:49,110 --> 00:27:54,890
+اللي بده يروح يطلب مرابحة ما تُشرَطْش آه، مشروط عليه
+
+308
+00:27:54,890 --> 00:28:01,140
+ما قدرش البنك يحصلها إيش هيمْلِهُ؟ خلاص، يعني أكتر ما
+
+309
+00:28:01,140 --> 00:28:06,220
+فيه إذا فيه خسائر يعني رسومات معينة ممكن يطالب
+
+310
+00:28:06,220 --> 00:28:12,360
+باستردادها، أما أنه طب إذا ما قدرت أجيبهاش أسويلك
+
+311
+00:28:12,360 --> 00:28:16,780
+لكن إذا كان شرط عليه، إذا كان في مجال الاشتراط في
+
+312
+00:28:16,780 --> 00:28:22,260
+الحالة هذه، المسلمين عند شرطهم، يعني إذا تم الاشتراط
+
+313
+00:28:22,260 --> 00:28:29,680
+أو لم يتم، إذا هذه هي الخطوات، نعود إلى الفروق أو
+
+314
+00:28:29,680 --> 00:28:32,200
+نبدأ بالحديث عن الفروق فيها، إحنا اتحدثنا عن الفروق
+
+315
+00:28:32,200 --> 00:28:37,220
+المرة الفاتت؟ طيب، هناك أُخرى فروق، ثمانية أو تسعة
+
+316
+00:28:37,220 --> 00:28:41,820
+فروق، كما قلت من شأنها توضح الصورة لنا أكثر وأكثر،
+
+317
+00:28:41,820 --> 00:28:45,660
+خاصة في المرابحة المصرفية، وإحنا يا إخوان بعد ما
+
+318
+00:28:45,660 --> 00:28:49,500
+اتكلمنا عن المرابحة العادية والمرابحة المصرفية و
+
+319
+00:28:49,500 --> 00:28:55,800
+خطواتها، أعتقد أن الفروق باتت جلية، ولذلك كل واحد
+
+320
+00:28:55,800 --> 00:29:02,740
+يحضر له فرق يحكي لنا، يا نسمع فرق الأول، اتفضل، في
+
+321
+00:29:02,740 --> 00:29:05,580
+المرابح القديمة تكون موجودة، يعني تكون موجودة أو
+
+322
+00:29:05,580 --> 00:29:11,680
+حاضرة عند مجلس العقد، أما في المرابح الحديثة تكون
+
+323
+00:29:11,680 --> 00:29:16,540
+موجودة في محل غير مجلس العقد، هذا ما أريد أن
+
+324
+00:29:16,540 --> 00:29:22,720
+أُبيّنُه شوية، لأنه قد يُفْهَم خطأ، هذا اللي هو الفرق،
+
+325
+00:29:22,720 --> 00:29:31,240
+في المرابح العادية، في المرابح العادية يكونوا أو
+
+326
+00:29:31,240 --> 00:29:38,520
+تكون البضاعة موجودة وحاضرة ومرئية أمام المشتري،
+
+327
+00:29:38,520 --> 00:29:40,020
+هيها، هذا المكتب
+
+328
+00:29:42,590 --> 00:29:46,690
+مطروح للبيع عليا بمئة، وبدي مئة وعشرة، موجود، أيوه
+
+329
+00:29:46,690 --> 00:29:53,350
+بشوف وبُفرّج عليه، في المرابحة المصرفية، البضاعة غير
+
+330
+00:29:53,350 --> 00:29:57,830
+حاضرة، غير موجودة عند البائع لكن موجودة في الدكاكين
+
+331
+00:29:57,830 --> 00:30:02,710
+الثانية، موجودة في المصدق، موجودة في المتجر الفلاني
+
+332
+00:30:02,710 --> 00:30:06,570
+والعلاني، موجودة، مش مش موجودة بالمرة، بتكلمش عن
+
+333
+00:30:06,570 --> 00:30:12,230
+حاجة خيال، نتكلم عن .. عن مكتب أو عن سيارة موجودة
+
+334
+00:30:12,230 --> 00:30:17,130
+عند فلان أو في المعرض الفلاني، بتكلم عن أرض يعني
+
+335
+00:30:17,130 --> 00:30:22,530
+لسه هو ما يعرفهاش، غير .. غير مملوكة ولا موجودة عند
+
+336
+00:30:22,530 --> 00:30:23,050
+البائع
+
+337
+00:30:27,350 --> 00:30:35,230
+هل هذا الفرق سيؤثر في الحكم؟ سنرى ذلك
+
+338
+00:30:55,100 --> 00:31:00,660
+في اللي هو عبارة عن مرابحة قديمة، عقد مرة واحدة
+
+339
+00:31:00,660 --> 00:31:06,380
+تكون عقد مرة واحدة، لكن في الـ .. المصرفية تكون
+
+340
+00:31:06,380 --> 00:31:12,510
+اللي هو مرتين، إن هو المعاقدة والمعاقدة يعني كانوا
+
+341
+00:31:12,510 --> 00:31:18,250
+بيقول أخونا، المعاقدة بين المرابحة العادية يتم في
+
+342
+00:31:18,250 --> 00:31:25,130
+مجلس واحد، في قاعدة، في قاعدة، بكم بيش عليا بكذا و
+
+343
+00:31:25,130 --> 00:31:33,820
+بدي كذا، اشتريت مبروك خلاص بدفع الثمن، و خلاص، طيب
+
+344
+00:31:33,820 --> 00:31:38,340
+إحنا لسه بنتحدث قبل شوية عن الخطوات، الخطوات
+
+345
+00:31:38,340 --> 00:31:41,420
+الطويلة
+
+346
+00:31:41,420 --> 00:31:49,500
+حتى تتحقق أو يتم عقد المرابحة المصرفية، خمس ست
+
+347
+00:31:49,500 --> 00:31:53,940
+خطوات، بينها عقود، أكثر من عقد، خطوات بعضها وعد
+
+348
+00:31:53,940 --> 00:32:00,300
+وبعضها عقد وبعضها طلب وبعضها .. تستمر أيام وليالي
+
+349
+00:32:00,980 --> 00:32:06,140
+هل هذا سيؤثر؟ هنشوف، إذن هذا برضه فرق، لابد أن
+
+350
+00:32:06,140 --> 00:32:08,640
+يُوضع تحت المجهر، ثلاثة
+
+351
+00:32:11,090 --> 00:32:16,570
+في المرابح العادية، الثمن معلوم، جميل، أما في المرابح
+
+352
+00:32:16,570 --> 00:32:20,890
+المصرفية، الثمن غير معلوم، مشهور جيد، هذا يا إخوان قد
+
+353
+00:32:20,890 --> 00:32:24,690
+يتساءل بعض، لا يعني عارفين أن الثمن في المرابح
+
+354
+00:32:24,690 --> 00:32:29,550
+المصرفية، أقول الثمن في المرابح المصرفية الذي يكون
+
+355
+00:32:29,550 --> 00:32:37,390
+قد عرفه من أراد الشراء ليس ثمناً يعني قطعيّاً، ليس ثمناً
+
+356
+00:32:37,390 --> 00:32:42,470
+قطعياً ولا ثمناً حقيقياً، ممكن أقول لأن هذا ثمن تقديري
+
+357
+00:32:42,470 --> 00:32:46,730
+ممكن أنا اليوم سألت وقلت، باكر السيارة اللي بدك
+
+358
+00:32:46,730 --> 00:32:51,750
+تبيعها، جيب عشرين ألف، صد تحت الحكومة، إيش زادت خمسة
+
+359
+00:32:51,750 --> 00:32:56,410
+وعشرين في المئة جمارك، هقول لك والله لأ بد إثنين و
+
+360
+00:32:56,410 --> 00:33:06,200
+عشرين، إذن هذا مش ملزم، إذا وكذلك سعر البضائع في
+
+361
+00:33:06,200 --> 00:33:12,700
+المرابحة العادية، السعر يكون معلوماً للمشتري عند
+
+362
+00:33:12,700 --> 00:33:17,960
+رغبته في الشراء، وفي المرابحة المصرفية السعر لا
+
+363
+00:33:17,960 --> 00:33:24,170
+يكون معلوماً، تحديداً، ممكن تقديراً لكن تحديداً ليكونوا
+
+364
+00:33:24,170 --> 00:33:28,610
+معلومة للمشتري عند الشراء، لأنه لسه هو أصلاً مكلف
+
+365
+00:33:28,610 --> 00:33:32,750
+واحد يشتري، كيف بتكون عارف السعر تحديداً، ممكن يعرف
+
+366
+00:33:32,750 --> 00:33:40,150
+السعر في range معين، طب ممكن يجب أن يكون عارف السعر
+
+367
+00:33:40,150 --> 00:33:44,520
+عند البائع، لكن كم ياخد الـ cash له؟ لأ لأ معروف،
+
+368
+00:33:44,520 --> 00:33:47,380
+ما يقبلش، بياخد البنك، معروف، هو أصلاً ما راحش للبنك
+
+369
+00:33:47,380 --> 00:33:52,960
+إلا بعد ما دار في كل البنوك وقال له خمسة، ستة، أربعة،
+
+370
+00:33:52,960 --> 00:33:59,340
+عارف يعني في الـ .. بس هذا بيكون .. وحتى لو كان
+
+371
+00:33:59,340 --> 00:34:05,000
+يعلم، فهذا العلم لا اعتبار له، يعني علمه بالسر كما لو
+
+372
+00:34:05,000 --> 00:34:10,460
+لم يكن، لأنه ممكن يتغير، طيب أربعة، فضل
+
+373
+00:34:13,990 --> 00:34:18,590
+السلعة لنفسه، بغرض الاتجار أو البيع أو التدخل في
+
+374
+00:34:18,590 --> 00:34:22,990
+الخطرات يعني، أما في المرابح الحديثة فهو بناء على
+
+375
+00:34:22,990 --> 00:34:27,890
+طلب العميل، اللي هو اللي .. فبالتالي يلتزم في حال
+
+376
+00:34:27,890 --> 00:34:32,230
+.. في حال شرائه؟ المرابح يا إخوان المصرفية والمرابح
+
+377
+00:34:32,230 --> 00:34:38,630
+العادية، مسبوقة بحالة بيع، بعقد بيع ولا لأ، مرتبطة
+
+378
+00:34:38,630 --> 00:34:41,930
+بالبيع اللي قبله، الآن انظروا، البيع الأولاني،
+
+379
+00:34:41,930 --> 00:34:46,850
+التاجر اللي .. الأول اللي اشترى البضاعة عشان ببيعها
+
+380
+00:34:46,850 --> 00:34:50,990
+مرابحة، أنا اشتريت الكمبيوترات
+
+381
+00:34:52,680 --> 00:34:57,100
+عشان أبيعها، عشان أنا بـ بـ لما بشتريها ..
+
+382
+00:34:57,100 --> 00:35:02,460
+بشتريها يعني لنفسي وأنا بتحمل مسؤوليتها، ولا
+
+383
+00:35:02,460 --> 00:35:05,800
+بشتريها لغيري؟ بشتريها لنفسي ولو كنت بدي أبيعها
+
+384
+00:35:05,800 --> 00:35:10,780
+لغيري، لكن أنا بشتريها لنفسي أولاً، وبعدين ببيعها
+
+385
+00:35:10,780 --> 00:35:15,980
+ولا ما ببيعهاش، حد بيقدر لو ما بيعهاش يقول لي ليش
+
+386
+00:35:15,980 --> 00:35:20,540
+ما يبيعش؟ ما حدش، لكن أنا في الـ bank لما .. في الـ
+
+387
+00:35:20,540 --> 00:35:23,820
+bank لما بيشتري البضاعة عشان يبيعها مرابحة مصرفية،
+
+388
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/GXIMMsQOzi0_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/GXIMMsQOzi0_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..d7da1fdb775a7087fc5956acdc57a7d12b98c75d
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/GXIMMsQOzi0_raw.json
@@ -0,0 +1 @@
+{"segments": [{"id": 1, "seek": 5089, "start": 22.09, "end": 50.89, "text": "بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام على رسول الله وعلى آله وصحبه وسلم تسليما كثيرة اللهم إننا نسألك في هذا الصباح المبارك أن تيسر لنا أمورنا وأن تشرح لنا صدورنا وأن تعلمنا ما ينفعنا وأن تنفعنا بما علمتنا وأن تزيدنا وإياكم من علمه يا رب العالمين وبعد", "tokens": [3555, 38251, 21984, 34892, 5016, 27842, 34892, 5016, 32640, 21542, 2304, 3215, 24976, 3224, 16070, 9381, 15040, 3660, 16070, 3794, 37440, 15844, 12602, 3794, 12610, 21984, 4032, 3615, 23942, 19753, 43761, 4032, 9381, 5016, 3555, 3224, 46952, 19528, 6055, 3794, 20292, 15042, 9122, 12984, 48923, 13672, 16095, 36145, 8315, 8717, 3794, 10721, 23275, 8978, 23758, 31767, 3555, 39319, 9673, 3555, 9640, 4117, 14739, 6055, 1829, 3794, 2288, 5296, 8315, 5551, 2304, 13063, 8315, 4032, 33456, 6055, 46309, 5016, 5296, 8315, 20328, 3215, 13063, 8315, 4032, 33456, 37279, 19528, 8315, 19446, 7251, 1863, 5172, 3615, 8315, 4032, 33456, 6055, 1863, 5172, 3615, 8315, 4724, 15042, 11203, 2304, 2655, 8315, 4032, 33456, 6055, 11622, 25708, 8315, 4032, 28814, 25528, 24793, 9154, 11203, 2304, 3224, 35186, 12602, 3555, 18863, 45340, 9957, 46599, 22488], "avg_logprob": -0.10072757610837922, "compression_ratio": 2.17351598173516, "no_speech_prob": 2.8014183044433594e-06, "words": [{"start": 22.09, "end": 22.37, "word": "بسم", "probability": 0.923828125}, {"start": 22.37, "end": 22.55, "word": " الله", "probability": 0.962890625}, {"start": 22.55, "end": 22.95, "word": " الرحمن", "probability": 0.962890625}, {"start": 22.95, "end": 23.43, "word": " الرحيم", "probability": 0.9931640625}, {"start": 23.43, "end": 23.83, "word": " الحمد", "probability": 0.8780924479166666}, {"start": 23.83, "end": 24.21, "word": " لله", "probability": 0.93701171875}, {"start": 24.21, "end": 24.67, "word": " والصلاة", "probability": 0.84423828125}, {"start": 24.67, "end": 25.09, "word": " والسلام", "probability": 0.9698893229166666}, {"start": 25.09, "end": 25.31, "word": " على", "probability": 0.75244140625}, {"start": 25.31, "end": 25.67, "word": " رسول", "probability": 0.9925130208333334}, {"start": 25.67, "end": 25.97, "word": " الله", "probability": 0.95556640625}, {"start": 25.97, "end": 27.89, "word": " وعلى", "probability": 0.9166666666666666}, {"start": 27.89, "end": 28.31, "word": " آله", "probability": 0.969970703125}, {"start": 28.31, "end": 29.35, "word": " وصحبه", "probability": 0.94755859375}, {"start": 29.35, "end": 30.77, "word": " وسلم", "probability": 0.849365234375}, {"start": 30.77, "end": 31.33, "word": " تسليما", "probability": 0.9368896484375}, {"start": 31.33, "end": 31.91, "word": " كثيرة", "probability": 0.65087890625}, {"start": 31.91, "end": 32.65, "word": " اللهم", "probability": 0.755615234375}, {"start": 32.65, "end": 33.17, "word": " إننا", "probability": 0.63232421875}, {"start": 33.17, "end": 33.67, "word": " نسألك", "probability": 0.9669189453125}, {"start": 33.67, "end": 34.55, "word": " في", "probability": 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2296.75, "end": 2297.11, "word": " بمليون", "probability": 0.8604736328125}, {"start": 2297.11, "end": 2297.63, "word": " دولار", "probability": 0.9873046875}, {"start": 2297.63, "end": 2298.13, "word": " مش", "probability": 0.93994140625}, {"start": 2298.13, "end": 2298.49, "word": " عارف", "probability": 0.9969075520833334}, {"start": 2298.49, "end": 2298.79, "word": " ايش", "probability": 0.806396484375}, {"start": 2298.79, "end": 2299.15, "word": " كذا", "probability": 0.764892578125}, {"start": 2299.15, "end": 2299.61, "word": " و", "probability": 0.62451171875}, {"start": 2299.61, "end": 2299.89, "word": " هو", "probability": 0.9873046875}, {"start": 2299.89, "end": 2300.51, "word": " صاحب", "probability": 0.9920247395833334}, {"start": 2300.51, "end": 2301.01, "word": " الخط", "probability": 0.976806640625}, {"start": 2301.01, "end": 2301.63, "word": " بيقولك", "probability": 0.8348388671875}, {"start": 2301.63, "end": 2302.13, "word": " بشتريلك", "probability": 0.8931640625}, {"start": 2302.13, "end": 2302.53, "word": " اياها", "probability": 0.9334309895833334}, {"start": 2302.53, "end": 2303.89, "word": " مرابحة", "probability": 0.8994140625}, {"start": 2303.89, "end": 2304.55, "word": " علي", "probability": 0.666015625}, {"start": 2304.55, "end": 2305.07, "word": " بكذا", "probability": 0.7277018229166666}, {"start": 2305.07, "end": 2305.53, "word": " من", "probability": 0.68994140625}, {"start": 2305.53, "end": 2306.21, "word": " ألمانيا", "probability": 0.9072265625}, {"start": 2306.21, "end": 2306.59, "word": " حاجة", "probability": 0.8697916666666666}, {"start": 2306.59, "end": 2307.05, "word": " مليون", "probability": 0.9845377604166666}, {"start": 2307.05, "end": 2307.33, "word": " بدي", "probability": 0.531005859375}, {"start": 2307.33, "end": 2307.75, "word": " مليون", "probability": 0.9571940104166666}, {"start": 2307.75, "end": 2307.85, "word": " و", "probability": 0.998046875}, {"start": 2307.85, "end": 2308.25, "word": " خمسين", 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2319.57, "end": 2320.55, "word": " الفرق", "probability": 0.9557291666666666}, {"start": 2320.55, "end": 2320.75, "word": " هذا", "probability": 0.9091796875}, {"start": 2320.75, "end": 2321.05, "word": " مبني", "probability": 0.8863932291666666}, {"start": 2321.05, "end": 2321.25, "word": " على", "probability": 0.8564453125}, {"start": 2321.25, "end": 2321.91, "word": " الأغلبية", "probability": 0.9892578125}, {"start": 2321.91, "end": 2322.57, "word": " الفرق", "probability": 0.876953125}, {"start": 2322.57, "end": 2322.89, "word": " هذا", "probability": 0.94775390625}, {"start": 2322.89, "end": 2323.83, "word": " مبني", "probability": 0.9568684895833334}, {"start": 2323.83, "end": 2324.39, "word": " على", "probability": 0.92578125}, {"start": 2324.39, "end": 2325.29, "word": " الأغلبية", "probability": 0.9912109375}, {"start": 2325.29, "end": 2325.97, "word": " نقبل", "probability": 0.9697265625}, {"start": 2325.97, "end": 2326.59, "word": " الفروق", "probability": 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\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/H3syadtE1Y8.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/H3syadtE1Y8.srt
new file mode 100644
index 0000000000000000000000000000000000000000..5736392def3f41cc894b172d6de224fd822c1275
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/H3syadtE1Y8.srt
@@ -0,0 +1,770 @@
+1
+00:00:20,820 --> 00:00:24,120
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:24,120 --> 00:00:28,240
+على رسول الله وعلى أهله وصحبه ومن اهتدى بهديه
+
+3
+00:00:28,240 --> 00:00:31,320
+واستنى بسنته إلى يوم الدين
+
+4
+00:00:33,980 --> 00:00:39,440
+وبعد نواصل حديثنا حول الإيجارة المنتهية بالتمليك
+
+5
+00:00:39,440 --> 00:00:43,720
+ونحاول في هذه المحاضرة أن ننتهي من الإيجارة
+
+6
+00:00:43,720 --> 00:00:49,860
+المنتهية بالتمليك وقد وقفنا في المحاضرة السابقة
+
+7
+00:00:49,860 --> 00:00:55,820
+عند الخطوات التي تتم بها هذه المعاملة الإيجارية
+
+8
+00:00:55,820 --> 00:01:02,730
+المنتهية بالتمليك ثم الفروق التي ظهرت لنا أو وجوه
+
+9
+00:01:02,730 --> 00:01:07,210
+المقارنة بين هذه المعاملة أي الإيجارة المنتهية
+
+10
+00:01:07,210 --> 00:01:12,710
+بالتمليك وكل من بيعة التقصيد والإيجارة العادية،
+
+11
+00:01:12,710 --> 00:01:18,880
+ليس كذلك، واتعرفنا على وجوه الاتفاق بينهما ووجوه
+
+12
+00:01:18,880 --> 00:01:24,680
+الافتراق أو الاختلاف، ووجدنا بالفعل أن ثمة وجوه
+
+13
+00:01:24,680 --> 00:01:30,100
+اتفاق بين الإيجارة المنتهية بالتمليك وبين البيعة
+
+14
+00:01:30,100 --> 00:01:35,440
+التقصيد، لكن في نفس الوقت وجدنا وجوه اختلاف، وكذلك الحال
+
+15
+00:01:35,440 --> 00:01:41,460
+وجدنا وجوه اتفاق بين الإيجارة المنتهية بالتمليك
+
+16
+00:01:41,460 --> 00:01:46,290
+والإيجارة العادية، ولكن في نفس الوقت وجدنا وجوه
+
+17
+00:01:46,290 --> 00:01:53,050
+اختلاف، هذه الوجوه المتفق عليها أو المختلف فيها
+
+18
+00:01:53,050 --> 00:02:01,570
+وجدنا كذلك أن بعضها شكلي إجرائي وبعضها حقيقي في
+
+19
+00:02:01,570 --> 00:02:07,930
+المضمون، ومن هنا استدعى الأمر وقفات من قبل العلماء
+
+20
+00:02:07,930 --> 00:02:15,850
+والمجتهدين المعاصرين قبل أن يصدروا حكمهم في مسألة
+
+21
+00:02:15,850 --> 00:02:20,110
+الإجارة المنتهية بالتمليك، وهو ما يُعرف بالتكييف
+
+22
+00:02:20,110 --> 00:02:24,310
+الفقهي، نظرهم من خلال الفروق ومن خلال الخطوات ومن
+
+23
+00:02:24,310 --> 00:02:30,490
+خلال المفهوم والتعريف، نظرة إجمالية، فوجدوا أولا أن
+
+24
+00:02:30,490 --> 00:02:35,450
+هذه، أي الإجارة المنتهية بالتمليك، هي عقد إجارة
+
+25
+00:02:35,450 --> 00:02:44,150
+بالتمام والكمال إلى ما قبل تسديد آخر قسط، تنطبق
+
+26
+00:02:44,150 --> 00:02:48,430
+عليها أحكام الإجارة، وهذا في حد ذاته ليس فيه أي
+
+27
+00:02:48,430 --> 00:02:53,530
+مشكلة، هذا ما وجدوه أولا، وجدوا أن هذه اللي هي نقطة
+
+28
+00:02:53,530 --> 00:02:56,830
+أربعة في التكييف، عندكم حابب أقولها، أول واحد يعني
+
+29
+00:02:56,830 --> 00:03:03,130
+وجدوا أولا أن هذا العقد، عقد الإيجار المنتهي
+
+30
+00:03:03,130 --> 00:03:12,250
+بالتمليك، هو عقد إجارة بالتمام والكمال إلى أن
+
+31
+00:03:12,250 --> 00:03:19,510
+يتم تسديد آخر قسط أو إلى نهاية المدة، وهذا في حد
+
+32
+00:03:19,510 --> 00:03:21,930
+ذاته لا إشكال، إذا أين الإشكال؟ لماذا لا نقول
+
+33
+00:03:21,930 --> 00:03:29,270
+بالجواز؟ لا، بعده تمت مواقف أو بعض محطات تستدعي
+
+34
+00:03:29,270 --> 00:03:35,030
+النظر، لكنهم في نفس الوقت، يعني رغم أنهم وجدوا أنها
+
+35
+00:03:35,030 --> 00:03:41,950
+إيجارة إلى حين، إلا أنهم وجدوا أنها في الحقيقة بيع
+
+36
+00:03:41,950 --> 00:03:48,650
+بالتقسيط، هذا ما رأيناه من مظاهر الاتفاق بين الإجارة
+
+37
+00:03:48,650 --> 00:03:54,350
+المنتهية بالتمليك وبين البيعة بالتقسيط، فوجب أن
+
+38
+00:03:54,350 --> 00:04:05,100
+جوهرها هو بيع بالتقسيط، جوهرها، حقيقتها، مقصودها، غايتها،
+
+39
+00:04:05,100 --> 00:04:12,220
+الإيجارة المنتهية بالتمليك بيع تقسيط، طيب إذا مادام
+
+40
+00:04:12,220 --> 00:04:17,440
+هو بيع تقسيط، الأصل أن ينطبق أو تنطبق عليه أحكام
+
+41
+00:04:17,440 --> 00:04:21,980
+البيع بالتقسيط وأن يترتب عليه أحكام البيع بالتقسيط
+
+42
+00:04:21,980 --> 00:04:30,000
+لأن المعاملات بمقصدها وبغايتها ونتائجها، لكن هل هل
+
+43
+00:04:30,000 --> 00:04:35,640
+ترتب على الإيجارة المنتهية بالتمليك ما يترتب على
+
+44
+00:04:35,640 --> 00:04:41,780
+بيع التقصيد؟ لا، من حيث ماذا؟ من حيث أن بيع
+
+45
+00:04:41,780 --> 00:04:48,700
+التقصيد يترتب عليه التمليك الفوري والعاجل بمجرد
+
+46
+00:04:48,700 --> 00:04:52,940
+توقيع العقد، بينما الإيجارة المنتهية بالتمليك رغم
+
+47
+00:04:52,940 --> 00:04:58,720
+أنها بيع تقسيط في حقيقتها، إلا أن مسألة التمليك
+
+48
+00:05:01,250 --> 00:05:08,210
+تؤجل وتؤخر إلى آخر قسط، وهذا يتنافى مع بقية
+
+49
+00:05:08,210 --> 00:05:13,690
+أحكامه، إذا هذه فيها مشكلة، لابد أن نضعها تحت
+
+50
+00:05:13,690 --> 00:05:20,740
+المجهر وفي عين الاعتبار، ونأخذها بعين الاعتبار، الآن
+
+51
+00:05:20,740 --> 00:05:26,260
+نظرة أخرى، أو رب قائل يقول: لماذا نعتبره بيع
+
+52
+00:05:26,260 --> 00:05:31,380
+بالتقسيط؟ لماذا لا نعتبره إجارة كالاجارة العادية؟
+
+53
+00:05:31,380 --> 00:05:38,440
+إذا كان هناك مشكلة في اعتباره بيع تقسيط، هنا في
+
+54
+00:05:38,440 --> 00:05:45,480
+مشكلة، هل اعتبرناها أو اعتبرناها إجارة عادية؟
+
+55
+00:05:45,480 --> 00:05:47,800
+والإجارة جائزة،
+
+56
+00:05:50,420 --> 00:05:55,000
+وليس فيها إشكال، تعالوا نشوف هل من مشكلة لو
+
+57
+00:05:55,000 --> 00:06:02,920
+اعتبرناها إجارة عادية؟ نعم، أين؟
+
+58
+00:06:02,920 --> 00:06:06,020
+الإجارة العادية بطبيعتها
+
+59
+00:06:07,330 --> 00:06:10,450
+وإن اتفقت مع الإيجارة المنتهية بالتمليك من حيث
+
+60
+00:06:10,450 --> 00:06:16,930
+وجود الأقساط والمدة والأحكام إلى حين، لكن الإيجارة
+
+61
+00:06:16,930 --> 00:06:24,430
+العادية بكل حال لا تنتهي بالتمليك، والتي
+
+62
+00:06:24,430 --> 00:06:28,530
+بين أيدينا المعاملة إيجارة تنتهي بالتمليك، وهذا
+
+63
+00:06:28,530 --> 00:06:33,010
+تناقض، وده قد ذكرناه من اللحظة الأولى، برضه هذه نظرة
+
+64
+00:06:33,010 --> 00:06:35,810
+يعني إذا بدنا نعتمدها، فيها مشكلة،
+
+65
+00:06:38,720 --> 00:06:45,980
+وهي عدم التمليك، المشكلة أين؟
+
+66
+00:06:45,980 --> 00:06:51,340
+لأن يا أخي البيع بالتقسيط أو لا بالتقسيط، الأصل
+
+67
+00:06:51,340 --> 00:06:56,980
+أن يتملك السلعة على الفور، على الفور، ويحق له أن
+
+68
+00:06:56,980 --> 00:07:01,660
+يتصرف فيها كيف يشاء، أنا بأشتري السلعة من البائع
+
+69
+00:07:01,660 --> 00:07:07,120
+بالتقسيط، ويمكن لسه ما دفعتش القسط الأول، بقدر ثاني
+
+70
+00:07:07,120 --> 00:07:12,390
+يوم أبيعها، وفق العقد، المقتضى العقد ملكي، العقد
+
+71
+00:07:12,390 --> 00:07:17,210
+البائع يقتضي التمليك، لكن عقد الـ... يعني... لكن هل
+
+72
+00:07:17,210 --> 00:07:21,170
+هذه... إذا اعتبرناها بيعا، هل هذه الإيجارة تعطيك
+
+73
+00:07:21,170 --> 00:07:25,670
+هذا الحق، تنتج هذه النتيجة؟ لا، ومن هنا أكدت
+
+74
+00:07:25,670 --> 00:07:28,910
+المشكلة، طيب نعتبرها إجارة، واحد يقول لك عشان نبقى
+
+75
+00:07:28,910 --> 00:07:34,160
+بعد هذه المشكلة، برضه هنقع في مشكلة أخرى، أين؟ ذلك
+
+76
+00:07:34,160 --> 00:07:38,120
+أن الإجارة العادية لا تنتهي بالتمليك، القضية
+
+77
+00:07:38,120 --> 00:07:41,620
+معكوسة الآن، المشكلة معكوسة، الإجارة العادية لا
+
+78
+00:07:41,620 --> 00:07:46,580
+تنتهي بالتمليك أبدا، الإجارة شيء، الإجارة انتفاع
+
+79
+00:07:46,580 --> 00:07:52,580
+فقط، انتفاع بالعين، وعند انتهاء المدة، لحظة، تسلم
+
+80
+00:07:52,580 --> 00:07:58,600
+العين إلى صاحبها، لكن هذه الإيجار المنتهية بالتمليك
+
+81
+00:07:58,600 --> 00:08:04,040
+عند انتهاء المدة تسلم العين للمستأجر، شتان في
+
+82
+00:08:04,040 --> 00:08:07,720
+الإيجار العادية تسلم العين للمؤجر، وفي الإيجار
+
+83
+00:08:07,720 --> 00:08:14,200
+المنتهية بالتمليك تسلم العين للمستأجر، شتان، إذا لو
+
+84
+00:08:14,200 --> 00:08:20,160
+اعتبرناها بيعا في مشكلة، اعتبرناها إجارة في مشكلة، ثم
+
+85
+00:08:20,160 --> 00:08:25,600
+شيء آخر التفوا إليه، وهو من خلال الفروق أيضا
+
+86
+00:08:25,600 --> 00:08:31,660
+لمسناها، أن ثم تعدد عقود في عقد واحد أو في معاملة
+
+87
+00:08:31,660 --> 00:08:38,300
+واحدة، عقد شراء أولا، ثم عقد إجارة، ثم وعد بالتمليك، ثم
+
+88
+00:08:38,300 --> 00:08:43,890
+ماذا؟ ثم التمليك، أو عقد التمليك، وهنا أيضا مشكلة
+
+89
+00:08:43,890 --> 00:08:50,150
+لاحظناها في عقد المرابحة المنتهية، المرابحة
+
+90
+00:08:50,150 --> 00:08:54,310
+المصرفية، ووجدنا لها حل على كل حال، إذا هذه الوقفات
+
+91
+00:08:54,310 --> 00:09:03,170
+تحتاج إلى حلول، تحتاج إلى مخارج لكي نقول بحلها وإلا
+
+92
+00:09:03,170 --> 00:09:11,580
+ستكون خراما، إذا الآن يا إخوان، خليني أمشي واحدة
+
+93
+00:09:11,580 --> 00:09:16,560
+واحدة في الحل لبيان الحكم، الآن إذا اعتبرنا يعني
+
+94
+00:09:16,560 --> 00:09:23,740
+من حيث كونها إجارة إلى حين، إلى ما قبل التمليك، لا
+
+95
+00:09:23,740 --> 00:09:28,900
+إشكال، حقيقة، من حيث كونها، لكن المشكلة أين؟ إن هي
+
+96
+00:09:28,900 --> 00:09:35,360
+يعني لا تنتهي عند ذلك الحين الذي تتوقف فيه أحكام
+
+97
+00:09:35,360 --> 00:09:40,830
+الإيجارة، ولا وإنما بعد ذلك يتم التمليك والتوعّد
+
+98
+00:09:40,830 --> 00:09:45,490
+وإلى غير ذلك، على كل الأحوال فالنقطة الأخيرة لا
+
+99
+00:09:45,490 --> 00:09:50,330
+إشكال فيها من حيث النظر والمحطة والتكييف، أرحمكم
+
+100
+00:09:50,330 --> 00:09:54,130
+الله، لا إشكال فيها من حيث كونها إجارة إلى ذلك
+
+101
+00:09:54,130 --> 00:09:57,670
+الحين، وتنطبق عليها، لأن هذا اتفاق إجارة، هو الإجارة
+
+102
+00:09:57,670 --> 00:10:03,390
+لا إشكال فيها، لكن وأيضا خليني أبدأ من تحت برضه
+
+103
+00:10:03,390 --> 00:10:06,050
+كمان مرة، من حيث كونها
+
+104
+00:10:08,820 --> 00:10:15,160
+من حيث كونها اجتمعت على أكثر من عقد في عقد واحد أو
+
+105
+00:10:15,160 --> 00:10:20,300
+في معاملة واحدة، أيضا لها حل وجدناه في المرابحة
+
+106
+00:10:20,300 --> 00:10:24,400
+المصرفية، المرابحة المصرفية كان من ضمن الاعتبارات
+
+107
+00:10:24,400 --> 00:10:30,240
+أنها بيعين في بائع، مظبوط؟ والعلماء قالوا ليس
+
+108
+00:10:30,240 --> 00:10:35,460
+المقصود من بيعين في بايع أن يكون هناك عقد مرتبط
+
+109
+00:10:35,460 --> 00:10:39,600
+بعقد آخر، فهناك كثيرة هي العقود المرتبطة ببعضها لبعض
+
+110
+00:10:39,600 --> 00:10:44,200
+ولا يضر، ولكن المقصود أن يكون هناك ثمنان للسلعة في
+
+111
+00:10:44,200 --> 00:10:49,340
+آن واحد دون أن يحددهما أحدهم، وهذا ليس موجود في هذه
+
+112
+00:10:49,340 --> 00:10:53,340
+المعاملة، إذا مسألة كونها أكثر من عقد في المعاملة مش
+
+113
+00:10:53,340 --> 00:10:58,960
+إشكالية برضه، تغضّ الطرف تمام؟ الآن إحنا عشان نصل للحكم
+
+114
+00:10:58,960 --> 00:11:06,000
+في الآخر، الآن ماذا عن الإيجارة التي تنتهي بالتمليك؟
+
+115
+00:11:06,000 --> 00:11:11,940
+ماذا لو اعتبرناها إجارة لكن بشرط التمليك، أو
+
+116
+00:11:11,940 --> 00:11:17,820
+اعتبرناها بيعا ولكن بشرط عدم التمليك الفوري، مش
+
+117
+00:11:17,820 --> 00:11:22,620
+التمليك المطلق من الأول، التمليك الفوري، ولكن
+
+118
+00:11:22,620 --> 00:11:26,760
+التأخير، هذه النقطة والتي قبلها، يعني الأولى
+
+119
+00:11:26,760 --> 00:11:35,100
+والثانية، عندكم هذه، يا إخوان، تكييف على اعتبار أن ثمة عقد
+
+120
+00:11:35,100 --> 00:11:40,710
+و شرط، سواء اعتبرناها بيعا أو اعتبرناها إجارة، إذا
+
+121
+00:11:40,710 --> 00:11:45,490
+اعتبرناها بيعا فثمة عقد بيع مشروط بعدم التمليك
+
+122
+00:11:45,490 --> 00:11:52,390
+الفوري، مظبوط؟ وإذا اعتبرناها إجارة فثمة شرط أيضا
+
+123
+00:11:53,370 --> 00:12:00,750
+شرط بالتمليك، لكن الأول شرط من مين والثاني من مين؟
+
+124
+00:12:00,750 --> 00:12:07,750
+الأول اللي في البيع، شرط من المؤجر، لأنه بيع بعدم
+
+125
+00:12:07,750 --> 00:12:13,230
+التمليك من البنك، والشرط الثاني لو اعتبرناها إجارة
+
+126
+00:12:13,230 --> 00:12:17,830
+شرط من المستأجر، بغض النظر من المؤجر، من المستأجر،
+
+127
+00:12:17,830 --> 00:12:21,950
+ففي المحطة الأولى والثانية اعتبرناها في مائدة
+
+128
+00:12:21,950 --> 00:12:29,280
+مائدة، اعتبرناها بيعا أو اعتبرناها إجارة، ينطبق عليها
+
+129
+00:12:29,280 --> 00:12:36,880
+حكم أو ينطبق عليها الخلاف ده، أنا أقول في حكم
+
+130
+00:12:36,880 --> 00:12:43,800
+العقود المشروطة، العقود المشروطة، وقد يقول القائل:
+
+131
+00:12:43,800 --> 00:12:50,280
+وهل العقود المشروطة محل خلاف؟ أقول: لا، أو ليست كل
+
+132
+00:12:50,280 --> 00:12:55,120
+العقود المشروطة محل خلاف، العقود أو الأصل في
+
+133
+00:12:55,120 --> 00:12:59,380
+العقود أنه يجوز أن يكون هناك شروط، ولكن إن كان
+
+134
+00:12:59,380 --> 00:13:09,160
+الشرط مناقضا، مضادا، غير متناغم مع حقيقة المعاملة
+
+135
+00:13:12,000 --> 00:13:17,420
+ومفهومها ومضمونها، فهنا تكون الإشكالية، عندما يكون
+
+136
+00:13:17,420 --> 00:13:23,900
+الشرط عاديا، شرط لا يضر، يعني أنا بأشتري الشغل بشرط أن
+
+137
+00:13:23,900 --> 00:13:31,200
+تلتزم بالمواصفات، بشرط أنه يعني أن ضمانة معينة، شرط
+
+138
+00:13:31,200 --> 00:13:37,560
+هذه معتادة، معروفة، لكن نجد تم تشروط تتناقض مع
+
+139
+00:13:37,560 --> 00:13:43,100
+حقيقة المعاملة أو العقد الفلاني أو العلاني، يعني في
+
+140
+00:13:43,100 --> 00:13:50,450
+البيع، البيع بطبيعته يقتضي التمليك الفوري، فعندما
+
+141
+00:13:50,450 --> 00:13:57,170
+يأتيني شخص بائع ويقول لي: أبيعك هذه على أن لا
+
+142
+00:13:57,170 --> 00:14:06,070
+تتملك، هذا شرط مناقض لمقتضى العقد، عقد البيع، لا
+
+143
+00:14:06,070 --> 00:14:11,990
+يتناغم معه، أي بيع هذا؟ أي بيع هذا الذي سيترتب
+
+144
+00:14:11,990 --> 00:14:18,580
+عليه عدم التمليك؟ مش بيع، مش بائع، إذا هنا إشكالية، أو
+
+145
+00:14:18,580 --> 00:14:26,400
+كما في الإجارة، الإجارة الأصل أن تكون مؤقتة وأن لا
+
+146
+00:14:26,400 --> 00:14:30,940
+تنتهي بالتمليك، يأتيني المستأجر يقول لي: أستأجر منك
+
+147
+00:14:30,940 --> 00:14:36,980
+كذا على أن ينتهي... تنتهي الإجارة معك بالتمليك،
+
+148
+00:14:36,980 --> 00:14:47,550
+إذا أيضا هذا شرط مضاد، مناقض لمقتضى ولحقيقة ولما
+
+149
+00:14:47,550 --> 00:14:51,870
+بنيت عليه هذه المعاملة، الإجارة بنيت على التوقيت
+
+150
+00:14:51,870 --> 00:14:57,810
+وعلى عدم التمليك، يأتي شرط معاكس، هنا مشكلة، طيب، بغض
+
+151
+00:14:57,810 --> 00:15:05,150
+النظر إجارة، بيع، زواج، الزواج يعني مثلا واحد تزوج
+
+152
+00:15:05,150 --> 00:15:09,090
+واشترطت عليه زوجته عدم الإنجاب، أي زواج هذا؟ مثلا،
+
+153
+00:15:09,090 --> 00:15:18,390
+هذا كله إشكالات، إشكالات، فنعود إذن الآن، طيب، ماذا
+
+154
+00:15:18,390 --> 00:15:24,210
+لو تم الاتفاق، كما هي حالتنا هذه؟ هنا، بغض النظر
+
+155
+00:15:24,210 --> 00:15:28,050
+برنامج، بيعت، برنامج، إيجارة متوافقة على ذلك، هل يضر
+
+156
+00:15:28,050 --> 00:15:34,190
+مثل هذا الشرط الذي يناقض مقتضى العقد، هل يضر في
+
+157
+00:15:34,190 --> 00:15:40,290
+المعاملة أو في العقد؟ فينزع عنه الصحة، ليقلبه إلى
+
+158
+00:15:40,290 --> 00:15:46,490
+البطلان والفساد؟ خلاف، خلاف قديم، بغض، مش في الإجارة
+
+159
+00:15:46,490 --> 00:15:54,590
+في أصل مسألة العقد المشروط بشرط مضاد للعقد، فيها
+
+160
+00:15:54,590 --> 00:16:01,990
+خلاف، جمهور العلماء أن المعاملة تبطل، جمهور العلماء
+
+161
+00:16:01,990 --> 00:16:10,910
+أن مثل هذه العقود التي اقترنت بشروط مناقضة لمقتضى
+
+162
+00:16:10,910 --> 00:16:15,710
+العقد، أي شرط مناقض لمقتضى العقد، العقد يصبح باطلا
+
+163
+00:16:15,710 --> 00:16:22,100
+أو فاسدا، لكن في نفس الوقت، يعني رغم هذا رأي الجمهور
+
+164
+00:16:22,100 --> 00:16:27,280
+ونحترم رأي الجمهور، لكن في نفس الوقت التفت العلماء
+
+165
+00:16:27,280 --> 00:16:32,460
+المعاصرون يمنة ويسرة ليجدوا مخرجا، فوجدوا أن بعض
+
+166
+00:16:32,460 --> 00:16:37,900
+العلماء القدامى أيضا كالحنابلة
+
+167
+00:16:39,680 --> 00:16:43,920
+وغيرهم، لكن قلة بالنسبة، مش جمهور، قالوا بأنه
+
+168
+00:16:43,920 --> 00:16:51
+
+223
+00:22:14,180 --> 00:22:17,900
+بعد عشر سنين ولا قبل ما تنتهي المدة بسنة ولا
+
+224
+00:22:17,900 --> 00:22:22,640
+بسنتين يجي البنك يقوله شاف العقارات غليت ولا
+
+225
+00:22:22,640 --> 00:22:26,720
+اتغيرت الأسعار يقوله والله بس خلاص بطلت عقد
+
+226
+00:22:26,720 --> 00:22:31,140
+الإجارة مش المؤجر بحاجه لها، وجب عليّ، أنا بحاجه لها خلاص مع
+
+227
+00:22:31,140 --> 00:22:37,660
+السلامة. طبعاً يأتي... تأتي أهمية الوفاء
+
+228
+00:22:37,660 --> 00:22:44,960
+بالشرط، وتأتي أهمية الالتزام بشروطهم. احنا... نعم
+
+229
+00:22:44,960 --> 00:22:50,220
+أن العقد يلزمه، يقول لما ينتقل الملكية
+
+230
+00:22:53,620 --> 00:23:01,100
+يعني يا إخوة، هنا يتخير البنك والمستأجر الطريقة
+
+231
+00:23:01,100 --> 00:23:08,880
+التي يملكانها أو يتملّكان بها، سواء بآخر قسط، سواء
+
+232
+00:23:08,880 --> 00:23:15,840
+بثمن رمزي، سواء بمجموع الأقساط، سواء بالهبة والتنازل
+
+233
+00:23:15,840 --> 00:23:21,540
+مش إشكال، بمعنى المهم أن يتم التمليك بوسيلة من
+
+234
+00:23:21,540 --> 00:23:25,280
+الوسائل المشروعة. التمليك ممكن بالبيع، التمليك
+
+235
+00:23:25,280 --> 00:23:31,760
+بالهبة، التمليك بالتنازل، مش مشكلة، يعني ليس شرطاً،
+
+236
+00:23:31,760 --> 00:23:39,090
+ليس شرطاً أن يكون من البداية تم الاتفاق على هبة بعد تمام
+
+237
+00:23:39,090 --> 00:23:44,250
+إيش طبعاً... آه، هي هبة شكلية، هو في الحقيقة ليست هبة ولا
+
+238
+00:23:44,250 --> 00:23:49,210
+تنازل ولا مساعدة، هي في الحقيقة الأجرة، هذه الأقساط
+
+239
+00:23:49,210 --> 00:23:54,950
+الأجرة هي كانت أقساط التمليك أو أقساط البيع، لأنه
+
+240
+00:23:54,950 --> 00:24:00,950
+إحنا أول بأول، إحنا في قناعات أنفسنا عارفين أنه
+
+241
+00:24:00,950 --> 00:24:06,670
+هذه الإيجار المنتهية بالتمليك هي بيع، إحنا قلنا
+
+242
+00:24:06,670 --> 00:24:13,390
+هذا هو كان الوجه الأول من وجوه الاتفاق بين الإجارة
+
+243
+00:24:13,390 --> 00:24:22,010
+المنتهية بالتمليك وبين البيع. إحنا بذلك نكون قد
+
+244
+00:24:22,010 --> 00:24:27,110
+انتهينا من الحديث عن الإجارة المنتهية بالتمليك
+
+245
+00:24:27,110 --> 00:24:32,090
+سواء من حيث تعريفها والخطوات التي تتم بها وعلاقتها
+
+246
+00:24:32,370 --> 00:24:38,330
+بالعقود المشابهة، ثم تكييفها الفقهي، انتهاءً بحكمها
+
+247
+00:24:38,330 --> 00:24:40,530
+الشرعي. شكراً لكم
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/H3syadtE1Y8_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/H3syadtE1Y8_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..fd317c55739c404ac7666d92e8795396ac135fe1
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/H3syadtE1Y8_postprocess.srt
@@ -0,0 +1,988 @@
+1
+00:00:20,820 --> 00:00:24,120
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:24,120 --> 00:00:28,240
+على رسول الله وعلى أهله وصحبه ومن اهتدأ بهديه
+
+3
+00:00:28,240 --> 00:00:31,320
+واستنى بسنته إلى يوم الدين
+
+4
+00:00:33,980 --> 00:00:39,440
+وبعد نواصل حديثنا حول الإيجارة المنتهية بالتمليك
+
+5
+00:00:39,440 --> 00:00:43,720
+ونحاول في هذه المحاضرة أن ننتهي من الإيجارة
+
+6
+00:00:43,720 --> 00:00:49,860
+المنتهية بالتمليك وقد وقفنا في المحاضرة السابقة
+
+7
+00:00:49,860 --> 00:00:55,820
+عند الخطوات التي تتم بها هذه المعاملة الإيجارة
+
+8
+00:00:55,820 --> 00:01:02,730
+المنتهية بالتمليك ثم الفروق التيظهرت لنا أو وجوه
+
+9
+00:01:02,730 --> 00:01:07,210
+المقارنة بين هذه المعاملة أي الإيجارة المنتهية
+
+10
+00:01:07,210 --> 00:01:12,710
+بالتمليك وكل من بيئة التقصيد والإيجارة العادية،
+
+11
+00:01:12,710 --> 00:01:18,880
+ليس كذلك واتعرفنا علىوجوه الاتفاق بينهما ووجوه
+
+12
+00:01:18,880 --> 00:01:24,680
+الافتراق او الاختلاف ووجدنا بالفعل ان ثمة وجوه
+
+13
+00:01:24,680 --> 00:01:30,100
+اتفاق بين الإيجارة المنتهية بالتمليك وبين التقصيد
+
+14
+00:01:30,100 --> 00:01:35,440
+لكن في نفس الوقت وجدنا وجوه اختلاف وكذلك الحال
+
+15
+00:01:35,440 --> 00:01:41,460
+وجدنا وجوه اتفاق بين الإيجارة المنتهية بالتمليك
+
+16
+00:01:41,460 --> 00:01:46,290
+والإيجارة العاديةولكن في نفس الوقت وجدنا وجوه
+
+17
+00:01:46,290 --> 00:01:53,050
+اختلاف هذه الوجوه المتفق عليها او المختلف فيها
+
+18
+00:01:53,050 --> 00:02:01,570
+وجدنا كذلك ان بعضها شكلي إجرائي وبعضها حقيقيوفي
+
+19
+00:02:01,570 --> 00:02:07,930
+المضمون ومن هنا استدعى الأمر وقفات من قبل العلماء
+
+20
+00:02:07,930 --> 00:02:15,850
+والمجتهدين المعاصرين قبل أن يصدروا حكمهم في مسألة
+
+21
+00:02:15,850 --> 00:02:20,110
+الإجارة المنتهية بالتمليك وهو ما يُعرف بالتكييف
+
+22
+00:02:20,110 --> 00:02:24,310
+الفقهي نظره من خلال الفروق ومن خلال الخطوات ومن
+
+23
+00:02:24,310 --> 00:02:30,490
+خلال المفهوم والتعريف نظرة إجمالية فوجدوا أولاأن
+
+24
+00:02:30,490 --> 00:02:35,450
+هذه أي الإجارة المنتهية بالتمليك هي عقد إجارة
+
+25
+00:02:35,450 --> 00:02:44,150
+بالتمام والكمال إلى ما قبل تسديد آخر قصة تنطبق
+
+26
+00:02:44,150 --> 00:02:48,430
+عليها أحكام الإجارة وهذا في حد ذاته ليس فيه أي
+
+27
+00:02:48,430 --> 00:02:53,530
+مشكلةهذا ما وجدوه أولا وجدوا أن هذه اللي هي نقطة
+
+28
+00:02:53,530 --> 00:02:56,830
+أربعة في التكييف عندكم حابب أقولها أول واحد يعنى
+
+29
+00:02:56,830 --> 00:03:03,130
+واجدوا أولا أن هذا العقد عقد الإيجار المنتهي
+
+30
+00:03:03,130 --> 00:03:12,250
+بالتمليق هو عقد إيجارة بالتمام والكمال إلى أن
+
+31
+00:03:12,250 --> 00:03:19,510
+يتم تسديد آخر قصة أو إلى نهايته المدةوهذا في حد
+
+32
+00:03:19,510 --> 00:03:21,930
+ذاته لا إشكل، إذا أين الإشكل؟ لماذا لا نقول
+
+33
+00:03:21,930 --> 00:03:29,270
+بالجواز؟ لا بعده تمت مواقف أو بعض محطات تستدعي
+
+34
+00:03:29,270 --> 00:03:35,030
+النظر لكنهم في نفس الوقت يعني رغم أنهم وجدوا أنها
+
+35
+00:03:35,030 --> 00:03:41,950
+إيجارة إلى حين إلا أنهم وجدوا أنها في الحقيقة بيع
+
+36
+00:03:41,950 --> 00:03:48,650
+تقسيطوهذا ما رأيناه من مظاهر الاتفاق بين الإجارة
+
+37
+00:03:48,650 --> 00:03:54,350
+المنتهية وبالتمليك وبين بين التقصيد فوجبنا أن
+
+38
+00:03:54,350 --> 00:04:05,100
+جوهرها هو بيع بالتقصيدجوهر حقيقة مقصود غاية
+
+39
+00:04:05,100 --> 00:04:12,220
+الإيجارة المنتهية بالتمليك بيع تقسيط طيب إذا مدام
+
+40
+00:04:12,220 --> 00:04:17,440
+هو بيع تقسيط الأصل أن ينطبق أو تنطبق عليه أحكام
+
+41
+00:04:17,440 --> 00:04:21,980
+البيع بالتقسيط وأن يترتب عليه أحكام البيع بالتقسيط
+
+42
+00:04:21,980 --> 00:04:30,000
+لأن المعاملات بمقصدها وبغايتها ونتائجها لكن هلهل
+
+43
+00:04:30,000 --> 00:04:35,640
+ترتب على الإجارة المنتهية بالتمليك ما يترتب على
+
+44
+00:04:35,640 --> 00:04:41,780
+بيع التقصيد؟ لا، من حيث ماذا؟ من حيث إن بيع
+
+45
+00:04:41,780 --> 00:04:48,700
+التقصيد يترتب عليه التمليك الفوري والعاجل بمجرد
+
+46
+00:04:48,700 --> 00:04:52,940
+توقيع العقد بينما الإجارة المنتهية بالتمليك رغم
+
+47
+00:04:52,940 --> 00:04:58,720
+أنها بيع تقصيد في حقيقتها إلا أن مسألة التمليك
+
+48
+00:05:01,250 --> 00:05:08,210
+تؤجل وتؤخر إلى آخر قصة وهذا يتنافى مع البقية
+
+49
+00:05:08,210 --> 00:05:13,690
+وأحكامه، إذا هذه في مشكلة، لابد من أن نضعها تحت
+
+50
+00:05:13,690 --> 00:05:20,740
+المجهر وفي عين الاعتبار ونأخذها بعين الاعتبارالان
+
+51
+00:05:20,740 --> 00:05:26,260
+نظرة اخرى او رب قائل يقول لماذا نعتبره بيع
+
+52
+00:05:26,260 --> 00:05:31,380
+بالتقصيد لماذا لا نعتبره اجارة كالاجارة العادية
+
+53
+00:05:31,380 --> 00:05:38,440
+اذا كان هناك مشكلة في اعتباره بيع تقصيد هنا في
+
+54
+00:05:38,440 --> 00:05:45,480
+مشكلة هل اعتبرناهم او اعتبرناها اجارة عادية
+
+55
+00:05:45,480 --> 00:05:47,800
+والاجارة جائزة
+
+56
+00:05:50,420 --> 00:05:55,000
+وليس فيها إشكال تعالوا نشوف هل من مشكلة لو
+
+57
+00:05:55,000 --> 00:06:02,920
+اعتبرناها إجارة عادية نعم أين؟
+
+58
+00:06:02,920 --> 00:06:06,020
+الإجارة العادية بطبيعتها
+
+59
+00:06:07,330 --> 00:06:10,450
+وإن اتفقت مع الإيجارة المنتهية بالتمليك من حيث
+
+60
+00:06:10,450 --> 00:06:16,930
+وجود الأقصاد والمدة والأحكام إلى حين لكن الإيجارة
+
+61
+00:06:16,930 --> 00:06:24,430
+العادية بكل حال لا تنتهي بالتمليك والتي
+
+62
+00:06:24,430 --> 00:06:28,530
+بين أيدينا المعاملة إيجارة تنتهي بالتمليك وهذا
+
+63
+00:06:28,530 --> 00:06:33,010
+تناقض وده قد ذكرناه من اللحظة الأولى برضه هذه نظرة
+
+64
+00:06:33,010 --> 00:06:35,810
+يعني إذا بدنا نعتمد رهابيع في مشكلة
+
+65
+00:06:38,720 --> 00:06:45,980
+وهي عدم التمليك المشكلة اه
+
+66
+00:06:45,980 --> 00:06:51,340
+لان يا اخوى البيع بالتقصيد ولا مش بالتقصيد الاصل
+
+67
+00:06:51,340 --> 00:06:56,980
+ان يتملك السلعة على الفور على الفور ويحق له ان
+
+68
+00:06:56,980 --> 00:07:01,660
+يتصرف فيها كيف يشاء انا باشتري السلعة من البائع
+
+69
+00:07:01,660 --> 00:07:07,120
+بالتقصيد ويمكن لسه مادفعتش القصة الاول بقدر ثاني
+
+70
+00:07:07,120 --> 00:07:12,390
+يوم ابيعهاوفق العقد، المقتض العقد ملكي، العقد
+
+71
+00:07:12,390 --> 00:07:17,210
+البايع يقتضي التمليك، لكن عقد ال .. يعني .. لكن هل
+
+72
+00:07:17,210 --> 00:07:21,170
+هذه .. إذا اعتبرناها بيع، هل هذه الإيجارة تعطيك
+
+73
+00:07:21,170 --> 00:07:25,670
+هذا الحق، تنتج هذه النتيجة؟ لا، ومن هنا اكدت
+
+74
+00:07:25,670 --> 00:07:28,910
+المشكلة، طيب نعتبرها إيجارة، واحد يقولك عشان نبقى
+
+75
+00:07:28,910 --> 00:07:34,160
+بعد هذه المشكلة، برضه هنجع في مشكلة أخرىأين؟ ذلك
+
+76
+00:07:34,160 --> 00:07:38,120
+أن الإجارة العادية لا تنتهي بالتمليك، القضية
+
+77
+00:07:38,120 --> 00:07:41,620
+معكوسة الآن، المشكلة معكوسة، الإجارة العادية لا
+
+78
+00:07:41,620 --> 00:07:46,580
+تنتهي بالتمليك أبدا، الإجارة شيء، الإجارة انتفاع
+
+79
+00:07:46,580 --> 00:07:52,580
+فقط، انتفاع بالعين، وعند انتهاء المدة، لحظة، تسلم
+
+80
+00:07:52,580 --> 00:07:58,600
+العين إلى صاحبهالكن هذه الإيجار المنتهية بالتمليل
+
+81
+00:07:58,600 --> 00:08:04,040
+عند انتهاء المدة تسلم العين للمستأجر شتانة في
+
+82
+00:08:04,040 --> 00:08:07,720
+الإيجار العادية تسلم العين للمؤجر وفي الإيجار
+
+83
+00:08:07,720 --> 00:08:14,200
+المنتهية بالتمليل تسلم العين للمستأجرفشتان اذا لو
+
+84
+00:08:14,200 --> 00:08:20,160
+اعتبرناها بيأ في مشكلة اعتبرناها اجارة في مشكلة ثم
+
+85
+00:08:20,160 --> 00:08:25,600
+شيء اخر التفدوا اليه وهو من خلال الفروق أيضا
+
+86
+00:08:25,600 --> 00:08:31,660
+لمسناهم ان ثم تعدت عقود في عقد واحد او في معاملة
+
+87
+00:08:31,660 --> 00:08:38,300
+واحدة عقد شراء اول ثم عقد اجارة ثم وعد بالتمليك ثم
+
+88
+00:08:38,300 --> 00:08:43,890
+ماذا ثم التمليك او عقد التمليكوهنا أيضا مشكلة
+
+89
+00:08:43,890 --> 00:08:50,150
+لاحظناها في عقد المرابحة المنتهية المرابحة
+
+90
+00:08:50,150 --> 00:08:54,310
+المصرفية ووجدنا لها حل على كل حال إذا هذه الوقفات
+
+91
+00:08:54,310 --> 00:09:03,170
+تحتاج إلى حلول تحتاج إلى مخارج لكي نقول بحلها وإلا
+
+92
+00:09:03,170 --> 00:09:11,580
+ستكون خراما إذا الآن يا إخوةخلّيني أمشي واحدة
+
+93
+00:09:11,580 --> 00:09:16,560
+واحدة في الحل لبيان الحكم، الآن إذا اعتبرنا يعني
+
+94
+00:09:16,560 --> 00:09:23,740
+من حيث كونها إيجارة إلى حين إلى ما قبل التمليك، لا
+
+95
+00:09:23,740 --> 00:09:28,900
+إشكل، حقيقة، من حيث كونها، لكن المشكلة وين؟ إن هي
+
+96
+00:09:28,900 --> 00:09:35,360
+يعني لا تمتهي عند ذلك الحين الذي تتوقف فيه أحكام
+
+97
+00:09:35,360 --> 00:09:40,830
+الإيجارةولا لا وإنما بعد ذلك يتم التمليك والتوعاقد
+
+98
+00:09:40,830 --> 00:09:45,490
+وإلى غير ذلك على كل الأحوال فالنقطة الأخيرة لا
+
+99
+00:09:45,490 --> 00:09:50,330
+إشكال فيها من حيث النظر والمحطة والتكييف ارحمكم
+
+100
+00:09:50,330 --> 00:09:54,130
+الله لا إشكال فيها من حيث كونها إجارة إلى ذلك
+
+101
+00:09:54,130 --> 00:09:57,670
+الحين وتنطبق عليها لأن هذا اتفاق إجارة هو الإجارة
+
+102
+00:09:57,670 --> 00:10:03,390
+لا إشكال فيها لكن وأيضا خليني أبدأ من تحت برضه
+
+103
+00:10:03,390 --> 00:10:06,050
+كمان مرة من حيث كونها
+
+104
+00:10:08,820 --> 00:10:15,160
+من حيث كونها اجتملت على اكثر من عقد في عقد واحد او
+
+105
+00:10:15,160 --> 00:10:20,300
+في معاملة واحدة ايضا لها حل وجدناه في المرابحة
+
+106
+00:10:20,300 --> 00:10:24,400
+المصرفية المرابحة المصرفية كان من ضمن الاعترابات
+
+107
+00:10:24,400 --> 00:10:30,240
+انها باعتين في باعة، مظبوط؟والعلماء قالوا ليس
+
+108
+00:10:30,240 --> 00:10:35,460
+المقصود من بيعتين في بايع أن يكون هناك عقد مرتبط
+
+109
+00:10:35,460 --> 00:10:39,600
+بعقد آخر فهناك كثيرة هي العقد المرتبطة ببعضها لبعض
+
+110
+00:10:39,600 --> 00:10:44,200
+ولا يضر ولكن المقصود أن يكون هناك ثمانين للسلعة في
+
+111
+00:10:44,200 --> 00:10:49,340
+آن واحد دون أن يحدد أحدهم وهذا ليس موجود في هذه
+
+112
+00:10:49,340 --> 00:10:53,340
+المعاملة اذا مسألة تكون أكتر من عقد في المعاملة مش
+
+113
+00:10:53,340 --> 00:10:58,960
+إشكالية برضه تغضينهاتمام؟ الآن احنا عشان نصل للحكم
+
+114
+00:10:58,960 --> 00:11:06,000
+في الآخر الآن ماذا عن الإجارة التي تنتهي بالتمليك
+
+115
+00:11:06,000 --> 00:11:11,940
+ماذا لو اعتبرناها إجارة لكن بشرط التمليك أو
+
+116
+00:11:11,940 --> 00:11:17,820
+اعتبرناها بيع ولكن بشرط عدم التمليك الفوري مش
+
+117
+00:11:17,820 --> 00:11:22,620
+التمليك المطلق من الأولانية التمليك الفوريولكن
+
+118
+00:11:22,620 --> 00:11:26,760
+التأخير هذه النقطة والتي قبلها يعني الأولى
+
+119
+00:11:26,760 --> 00:11:35,100
+والثانية عندكم هذه اخوة تكيف على اعتبار ان ثم تعقد
+
+120
+00:11:35,100 --> 00:11:40,710
+و شرطسواء اعتبرناها بيع او اعتبرناها اجارة، اذا
+
+121
+00:11:40,710 --> 00:11:45,490
+اعتبرناها بيع فثمة عقد بيعين مشروط بعدم التملك
+
+122
+00:11:45,490 --> 00:11:52,390
+الفوري، مظهر؟ واذا اعتبرناها اجارة فثمة شرط ايضا
+
+123
+00:11:53,370 --> 00:12:00,750
+شرط بالتمليك لكن الأول شرط من مين والثاني من مين
+
+124
+00:12:00,750 --> 00:12:07,750
+الأول اللي في البيع شرط من المؤجر لأنه بيع عدم
+
+125
+00:12:07,750 --> 00:12:13,230
+التمليك من البنك والشرط الثاني لو اعتبرناها إجارة
+
+126
+00:12:13,230 --> 00:12:17,830
+شرط من المستأجر بغض النظر من المؤجر من المستأجر
+
+127
+00:12:17,830 --> 00:12:21,950
+ففي المحطة الأولى والثانية اعتبرناها في محالة
+
+128
+00:12:21,950 --> 00:12:29,280
+مائدة اعتبرناهابيع او اعتبرناها اجارة ينطبق عليها
+
+129
+00:12:29,280 --> 00:12:36,880
+حكم او ينطبق عليها الخلاف ده انا اقول في حكم
+
+130
+00:12:36,880 --> 00:12:43,800
+العقود المشروطة العقود المشروطة وقد يقول القائل
+
+131
+00:12:43,800 --> 00:12:50,280
+وهل العقود المشروطة محل خلاف؟أقول لا، أو ليست كل
+
+132
+00:12:50,280 --> 00:12:55,120
+العقود المشروطة محله خلاف، العقود أو الأصل في
+
+133
+00:12:55,120 --> 00:12:59,380
+العقود أنه يجوز أن يكون هناك شروط، ولكن إن كان
+
+134
+00:12:59,380 --> 00:13:09,160
+الشرط مناقضا، مضادا، غير متناغم مع حقيقة المعاملة
+
+135
+00:13:12,000 --> 00:13:17,420
+ومفهومها ومضمونها فهنا تكون الإشكالية عندما يكون
+
+136
+00:13:17,420 --> 00:13:23,900
+الشرط عادي شرط لا يضر يعني أنا بشر الشغل بشرط أن
+
+137
+00:13:23,900 --> 00:13:31,200
+تلتزم بالمواصفات بشرط أنه يعني أن ضمانة معينة شرط
+
+138
+00:13:31,200 --> 00:13:37,560
+هذه معتادة معروفةلكن نحظوا تم تشروط تتناقض مع
+
+139
+00:13:37,560 --> 00:13:43,100
+حقيقة المعاملة أو العقد الفلاني أو العلاني يعني في
+
+140
+00:13:43,100 --> 00:13:50,450
+البيعالبيع بطبيعته يقطب التمليك الفوري، فعندما
+
+141
+00:13:50,450 --> 00:13:57,170
+يأتيني شخص بائع ويقول لي أبيعك هذه على أن لا
+
+142
+00:13:57,170 --> 00:14:06,070
+تتملك، هذا شرط مناقض لمقتبل عقد، عقد البيع، لا
+
+143
+00:14:06,070 --> 00:14:11,990
+يتناغم معاه، أي بيع هذا؟ أي بيع هذا الذي سيترتب
+
+144
+00:14:11,990 --> 00:14:18,580
+عليه عدم التمليك؟ مش بيعمش بايع، إذا هنا إشكالي أو
+
+145
+00:14:18,580 --> 00:14:26,400
+كما في الإجارة، إجارة الأصل أن تكون مؤقتة و أن لا
+
+146
+00:14:26,400 --> 00:14:30,940
+تنتهي بالتمليك، يأتيني المستاجر يقول لي أستأجر منك
+
+147
+00:14:30,940 --> 00:14:36,980
+كذا على أن ينتهي .. تنتهي الإجارة معك بالتمليك،
+
+148
+00:14:36,980 --> 00:14:47,550
+إذا أيضا هذا شرطمضاد مناقض لمقتضاء ولحقيقة ولما
+
+149
+00:14:47,550 --> 00:14:51,870
+بنيت عليه هذه المعاملة الإجارة بنيت على التوقيت
+
+150
+00:14:51,870 --> 00:14:57,810
+وعلى عدم التمليج يأتي شرط معاكس هنا مشكلةطيب، بغض
+
+151
+00:14:57,810 --> 00:15:05,150
+النظر إجارة، بيع، زواج، الزواج يعني مثلا واحد تزوج
+
+152
+00:15:05,150 --> 00:15:09,090
+واشترطت عليه زوجته عدب المفيد، أي زواج هذا؟ مثلا،
+
+153
+00:15:09,090 --> 00:15:18,390
+هذا كلهم إشكلات، إشكالات، فنعود إذن الآنطيب، ماذا
+
+154
+00:15:18,390 --> 00:15:24,210
+لو تم الاتفاق، كما هي حالتنا هذه؟ هنا، بغض النظرات
+
+155
+00:15:24,210 --> 00:15:28,050
+برنامج، بيعت برنامج إيجارة متوافقة على ذلك، هل يضر
+
+156
+00:15:28,050 --> 00:15:34,190
+مثل هذا الشرط الذي يناقض مقتضى العقد، هل يضر في
+
+157
+00:15:34,190 --> 00:15:40,290
+المعاملة أو في العقد؟ فينزع عنه الصحة ليقلبه إلى
+
+158
+00:15:40,290 --> 00:15:46,490
+البطلان والفساد؟ خلافخلاف قديم بغضب مش في الإيجارة
+
+159
+00:15:46,490 --> 00:15:54,590
+في أصل مسألة العقد المشروط بشرط مضاقب العقد، فيها
+
+160
+00:15:54,590 --> 00:16:01,990
+خلاف جمهور العلماء أن المعاملة تبطلجمهور العلماء
+
+161
+00:16:01,990 --> 00:16:10,910
+أن مثل هذه العقود التي اقترنت بشروط مناقضة لمقتضع
+
+162
+00:16:10,910 --> 00:16:15,710
+العقد، أي شرط مناقض لمقتضع العقد، العقد يصبح باطل
+
+163
+00:16:15,710 --> 00:16:22,100
+أو فازلكن في نفس الوقت يعني رغم هذا رأي الجمهور
+
+164
+00:16:22,100 --> 00:16:27,280
+ونحترم رأي الجمهور لكن في نفس الوقت التفت العلماء
+
+165
+00:16:27,280 --> 00:16:32,460
+المعاصرون يمنة ويسرة ليجدوا مخرجا فوجدوا أن بعض
+
+166
+00:16:32,460 --> 00:16:37,900
+العلماء القدامى أيضا كالحنابلة
+
+167
+00:16:39,680 --> 00:16:43,920
+وغيرهم، لكن قلة بالنسبة، مش جمهور، قالوا بأنه
+
+168
+00:16:43,920 --> 00:16:51,480
+يجوز، مناقض مش مناقض المسلمون عند شروطهم، والأصل
+
+169
+00:16:51,480 --> 00:16:57,640
+في المعاملات الإباحة، فلذلك اللي بتفج عليه إلا شرط
+
+170
+00:16:57,640 --> 00:17:00,900
+أن أحل حراما أو أحرم حلالا، يعني هل هذي يحلوا
+
+171
+00:17:00,900 --> 00:17:05,360
+حراما و لا يحرموا حلالا؟يعني ربما أولئك اعتبروه
+
+172
+00:17:05,360 --> 00:17:11,960
+كذلك لكن هنا من هنا جالوا بس وقفنا على المخرج
+
+173
+00:17:11,960 --> 00:17:17,530
+شوفته في المرابح المصرفيةبرض نفس الخلاف كان
+
+174
+00:17:17,530 --> 00:17:22,510
+الجمهور على عدم الوفاء، وهناك فريق يقولوا بالوفاء،
+
+175
+00:17:22,510 --> 00:17:26,110
+بلزوم الوفاء، وجمهور المعاصرين أخذوا بالرأي
+
+176
+00:17:26,110 --> 00:17:30,310
+المرجوح، الذي يقولوا بلزوم الوفاء وبنوا عليه
+
+177
+00:17:30,310 --> 00:17:34,890
+رأيهم، الذي يقولوا بجواز المرابح المصرفية، وهنا
+
+178
+00:17:34,890 --> 00:17:40,740
+الأمر كذلكنظر علماء المؤاصرون فوجدوا أن فريقا من
+
+179
+00:17:40,740 --> 00:17:47,620
+العلماء وإن لم يكن يمثل الجمهور قالوا بجواز أن
+
+180
+00:17:47,620 --> 00:17:51,920
+يقترن العقد بشرط أي إن كان هذا الشرط ولو كان
+
+181
+00:17:51,920 --> 00:17:57,800
+مناقضا وقالوا إذا معاملتنا هذه حتى وإن قررنا بأن
+
+182
+00:17:58,380 --> 00:18:05,420
+الشرط سواء كان بيعا او ايجارة مناقض لمقتضع العقد
+
+183
+00:18:05,420 --> 00:18:12,940
+فإنه فإنها تكون جائزة بناء على رأيهم بناء على
+
+184
+00:18:12,940 --> 00:18:18,180
+رأيهم ولا وليس تمت إشكال ولنا أن نأخذ بالرأي
+
+185
+00:18:18,180 --> 00:18:24,160
+المرجوح في زمن أساسا هو زمن مرجوح هو زمن استثنائي
+
+186
+00:18:24,160 --> 00:18:29,580
+نحن في زمن استثنائيزمن طغت فيه المادة، زمن كتر فيه
+
+187
+00:18:29,580 --> 00:18:34,000
+الحرام، زمن فسدت فيه الذمم، زمن يحتاج الناس فيه
+
+188
+00:18:34,000 --> 00:18:41,480
+الى التيسير و الحرج عنهم و هكذا فلا بأسة من الأخذ
+
+189
+00:18:41,480 --> 00:18:48,020
+في هذا العصربهذا الرأي وهو ما قال به العلماء
+
+190
+00:18:48,020 --> 00:18:57,980
+المعاصرون وبناء على ذلك قالوا بجواز ال .. بجواز ال
+
+191
+00:18:57,980 --> 00:19:02,940
+.. لكن طبعا بجواز هذه المعاملة لكن سيكون هناك فريق
+
+192
+00:19:02,940 --> 00:19:06,940
+اخر بالطبع ظل على رأي الجمهور القدامى يقولوا بعدم
+
+193
+00:19:06,940 --> 00:19:15,160
+جواز هذه المعاملة لأنهاتضمنت شرطا مناقضا للعقدة
+
+194
+00:19:15,160 --> 00:19:20,100
+لكن جمهور المعاصرين لاحظوا ال .. ال .. ال .. ال ..
+
+195
+00:19:20,100 --> 00:19:25,120
+الوجه الافتراك جمهور المعاصرين يقولوا بالجواز لهذه
+
+196
+00:19:25,120 --> 00:19:29,360
+المعاملة بناء على رأي البعض القديم لكن جمهور
+
+197
+00:19:29,360 --> 00:19:40,060
+القدامى يقولون لو بدنا نطبق قاعدتهمسيصبح رأيهم
+
+198
+00:19:40,060 --> 00:19:48,260
+يقتضي بعدم جواز هذه المعاملة لكن ربما لو عاش
+
+199
+00:19:48,260 --> 00:19:52,920
+القدماء في عصرنا لقالوا بمثل ما قال به علماء هذا
+
+200
+00:19:52,920 --> 00:19:59,640
+العصر تيثيرا على الناسمع ذلك مع أن العلماء
+
+201
+00:19:59,640 --> 00:20:05,260
+المعاصرين قالوا بجواز هذه المعاملة بناء على رأي
+
+202
+00:20:05,260 --> 00:20:12,360
+يعني وجدوه للعلماء القدامى بجواز اشتراط شرط مناقض
+
+203
+00:20:12,360 --> 00:20:17,000
+أي ان كان و لو كان مناقض معاقد يعنياشترطوا شروطا
+
+204
+00:20:17,000 --> 00:20:23,140
+اولها يعني شروط يعني هي يعني مفهومة وقد حدثنا عنها
+
+205
+00:20:23,140 --> 00:20:28,460
+ان تكون هناك مدة الإيجارة المتفق عليها تنطبق عليها
+
+206
+00:20:28,460 --> 00:20:32,540
+أحكام الإيجارة عشان يصير فيه عقد مستقل كله عقد
+
+207
+00:20:32,540 --> 00:20:37,340
+مستقل له كامل عقد الإيجارة كأنه فيه نعم الاستقلالي
+
+208
+00:20:37,340 --> 00:20:41,800
+والتمام وعقد التنازل والتمليكفيه نوع من الاستقلالي
+
+209
+00:20:41,800 --> 00:20:46,580
+والتمام فهم بيشترطوا علشان يعني ماتصريش أحكام
+
+210
+00:20:46,580 --> 00:20:55,520
+البيععلى الإيجارة هذه في الفترة التسديد بل تسري
+
+211
+00:20:55,520 --> 00:20:58,860
+أحكام الإيجارة بمقتضى العقد المتفق عليه لأن العقد
+
+212
+00:20:58,860 --> 00:21:04,460
+عقد إيجارة فلابد من الالتزام بهذا العقد وهذا يقتضي
+
+213
+00:21:04,460 --> 00:21:11,080
+تطبيق أحكام الإيجارة كاملة كل المدة إلى حين
+
+214
+00:21:11,080 --> 00:21:20,550
+انتهائها طبعا ومن مقتضياتكون العقد عقد إجارة أن
+
+215
+00:21:20,550 --> 00:21:26,510
+تكون هناك مدة محددة شرط يعني ليس متروكا إلى بلا ..
+
+216
+00:21:26,510 --> 00:21:31,770
+بلا تحديد خلاص بتسدد على راحتك و لما نتسدد اه
+
+217
+00:21:31,770 --> 00:21:37,470
+بنملكك طب وقتاش ماسجلناش جداش ماسجلناش مش حقيقي
+
+218
+00:21:37,470 --> 00:21:44,710
+لازم تكون المدة محددة و الأقصاد معلومةلأن هذا
+
+219
+00:21:44,710 --> 00:21:51,190
+حقيقة هو من مقضيات صحة عقد الإجارة واحنا بنتكلم عن
+
+220
+00:21:51,190 --> 00:21:59,590
+إجارة في فترة معينة ثم الشرط الثالث وجوب نقل
+
+221
+00:21:59,590 --> 00:22:05,490
+الملكية إلى المستأجر عند نهاية المدة لأن هذا من
+
+222
+00:22:05,490 --> 00:22:14,180
+باب الوفاءبالوعد والشرط الذي تم بعد ذلك يعني مش
+
+223
+00:22:14,180 --> 00:22:17,900
+بعد عشر سنين ولا قبل ما تنتهي المدة بسنة ولا
+
+224
+00:22:17,900 --> 00:22:22,640
+بسنتين يجي البنك يقوله شاف العقارات غليت ولا
+
+225
+00:22:22,640 --> 00:22:26,720
+اتغيرت الأسعار يقوله والله بس خلاص بطلت عقد
+
+226
+00:22:26,720 --> 00:22:31,140
+الإجارة مش المؤجر بحاجله لوجف انا بحاجله خلاص مع
+
+227
+00:22:31,140 --> 00:22:37,660
+السلامةلأ طب هنا طبعا يأتي .. تأتي أهمية الوفاء
+
+228
+00:22:37,660 --> 00:22:44,960
+بالشرط وتأتي أهمية المسلمون عند شروطهم احنا .. نعم
+
+229
+00:22:44,960 --> 00:22:50,220
+ان العقل بنزله يقول لما ينجح الملكية
+
+230
+00:22:53,620 --> 00:23:01,100
+يعني يا إخوة هنا يتخير البنك والمستاجر الطريقة
+
+231
+00:23:01,100 --> 00:23:08,880
+التي يملكونها أو يتملكون بها سواء بآخر قصة سواء
+
+232
+00:23:08,880 --> 00:23:15,840
+بثمن رمزي سواء بمجموع الأقصاد سواء بالهبة والتنازل
+
+233
+00:23:15,840 --> 00:23:21,540
+مش إشكال بمعنى المهم أن يتم التمليكبوسيلة من
+
+234
+00:23:21,540 --> 00:23:25,280
+الوسائل المشروعة، التمليك ممكن بالبيع، التمليك
+
+235
+00:23:25,280 --> 00:23:31,760
+بالهبة، التمليك بالتنازل، مش مشكلة، يعني ليس شرطا،
+
+236
+00:23:31,760 --> 00:23:39,090
+ليس شرطا يمكن من البداية تم الاتفاقهبة بعد تمام
+
+237
+00:23:39,090 --> 00:23:44,250
+ايش طبعا .. اه هي هبة شكلية هو حقيقة ليست هبة ولا
+
+238
+00:23:44,250 --> 00:23:49,210
+تنازل ولا مساعدة هي حقيقة الأجرة هذه الأقصاد
+
+239
+00:23:49,210 --> 00:23:54,950
+الأجرة هي كانت أقصاد التملك او أقصاد البياء لأنه
+
+240
+00:23:54,950 --> 00:24:00,950
+احنا اول عن اخر احنا في قارات أنفسنا عارفين انه
+
+241
+00:24:00,950 --> 00:24:06,670
+هذه الإيجارة المنتهية بالتمليك هي بيعواحنا قلنا
+
+242
+00:24:06,670 --> 00:24:13,390
+هذا هو كان الوجه الأول من وجوه الاتفاق بين الإجارة
+
+243
+00:24:13,390 --> 00:24:22,010
+المنتهية بالتمليك وبين البيع احنا بذلك نكون قد
+
+244
+00:24:22,010 --> 00:24:27,110
+انتهينا من الحديث عن الإجارة المنتهية بالتمليك
+
+245
+00:24:27,110 --> 00:24:32,090
+سواء من حيث تعريفها والخطوات التي تتم بها وعلاقتها
+
+246
+00:24:32,370 --> 00:24:38,330
+بالعقود المشابهة ثم تكييفها الفقه انتهاء بحكمها
+
+247
+00:24:38,330 --> 00:24:40,530
+الشرعي شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/H3syadtE1Y8_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/H3syadtE1Y8_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..fd317c55739c404ac7666d92e8795396ac135fe1
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/H3syadtE1Y8_raw.srt
@@ -0,0 +1,988 @@
+1
+00:00:20,820 --> 00:00:24,120
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:24,120 --> 00:00:28,240
+على رسول الله وعلى أهله وصحبه ومن اهتدأ بهديه
+
+3
+00:00:28,240 --> 00:00:31,320
+واستنى بسنته إلى يوم الدين
+
+4
+00:00:33,980 --> 00:00:39,440
+وبعد نواصل حديثنا حول الإيجارة المنتهية بالتمليك
+
+5
+00:00:39,440 --> 00:00:43,720
+ونحاول في هذه المحاضرة أن ننتهي من الإيجارة
+
+6
+00:00:43,720 --> 00:00:49,860
+المنتهية بالتمليك وقد وقفنا في المحاضرة السابقة
+
+7
+00:00:49,860 --> 00:00:55,820
+عند الخطوات التي تتم بها هذه المعاملة الإيجارة
+
+8
+00:00:55,820 --> 00:01:02,730
+المنتهية بالتمليك ثم الفروق التيظهرت لنا أو وجوه
+
+9
+00:01:02,730 --> 00:01:07,210
+المقارنة بين هذه المعاملة أي الإيجارة المنتهية
+
+10
+00:01:07,210 --> 00:01:12,710
+بالتمليك وكل من بيئة التقصيد والإيجارة العادية،
+
+11
+00:01:12,710 --> 00:01:18,880
+ليس كذلك واتعرفنا علىوجوه الاتفاق بينهما ووجوه
+
+12
+00:01:18,880 --> 00:01:24,680
+الافتراق او الاختلاف ووجدنا بالفعل ان ثمة وجوه
+
+13
+00:01:24,680 --> 00:01:30,100
+اتفاق بين الإيجارة المنتهية بالتمليك وبين التقصيد
+
+14
+00:01:30,100 --> 00:01:35,440
+لكن في نفس الوقت وجدنا وجوه اختلاف وكذلك الحال
+
+15
+00:01:35,440 --> 00:01:41,460
+وجدنا وجوه اتفاق بين الإيجارة المنتهية بالتمليك
+
+16
+00:01:41,460 --> 00:01:46,290
+والإيجارة العاديةولكن في نفس الوقت وجدنا وجوه
+
+17
+00:01:46,290 --> 00:01:53,050
+اختلاف هذه الوجوه المتفق عليها او المختلف فيها
+
+18
+00:01:53,050 --> 00:02:01,570
+وجدنا كذلك ان بعضها شكلي إجرائي وبعضها حقيقيوفي
+
+19
+00:02:01,570 --> 00:02:07,930
+المضمون ومن هنا استدعى الأمر وقفات من قبل العلماء
+
+20
+00:02:07,930 --> 00:02:15,850
+والمجتهدين المعاصرين قبل أن يصدروا حكمهم في مسألة
+
+21
+00:02:15,850 --> 00:02:20,110
+الإجارة المنتهية بالتمليك وهو ما يُعرف بالتكييف
+
+22
+00:02:20,110 --> 00:02:24,310
+الفقهي نظره من خلال الفروق ومن خلال الخطوات ومن
+
+23
+00:02:24,310 --> 00:02:30,490
+خلال المفهوم والتعريف نظرة إجمالية فوجدوا أولاأن
+
+24
+00:02:30,490 --> 00:02:35,450
+هذه أي الإجارة المنتهية بالتمليك هي عقد إجارة
+
+25
+00:02:35,450 --> 00:02:44,150
+بالتمام والكمال إلى ما قبل تسديد آخر قصة تنطبق
+
+26
+00:02:44,150 --> 00:02:48,430
+عليها أحكام الإجارة وهذا في حد ذاته ليس فيه أي
+
+27
+00:02:48,430 --> 00:02:53,530
+مشكلةهذا ما وجدوه أولا وجدوا أن هذه اللي هي نقطة
+
+28
+00:02:53,530 --> 00:02:56,830
+أربعة في التكييف عندكم حابب أقولها أول واحد يعنى
+
+29
+00:02:56,830 --> 00:03:03,130
+واجدوا أولا أن هذا العقد عقد الإيجار المنتهي
+
+30
+00:03:03,130 --> 00:03:12,250
+بالتمليق هو عقد إيجارة بالتمام والكمال إلى أن
+
+31
+00:03:12,250 --> 00:03:19,510
+يتم تسديد آخر قصة أو إلى نهايته المدةوهذا في حد
+
+32
+00:03:19,510 --> 00:03:21,930
+ذاته لا إشكل، إذا أين الإشكل؟ لماذا لا نقول
+
+33
+00:03:21,930 --> 00:03:29,270
+بالجواز؟ لا بعده تمت مواقف أو بعض محطات تستدعي
+
+34
+00:03:29,270 --> 00:03:35,030
+النظر لكنهم في نفس الوقت يعني رغم أنهم وجدوا أنها
+
+35
+00:03:35,030 --> 00:03:41,950
+إيجارة إلى حين إلا أنهم وجدوا أنها في الحقيقة بيع
+
+36
+00:03:41,950 --> 00:03:48,650
+تقسيطوهذا ما رأيناه من مظاهر الاتفاق بين الإجارة
+
+37
+00:03:48,650 --> 00:03:54,350
+المنتهية وبالتمليك وبين بين التقصيد فوجبنا أن
+
+38
+00:03:54,350 --> 00:04:05,100
+جوهرها هو بيع بالتقصيدجوهر حقيقة مقصود غاية
+
+39
+00:04:05,100 --> 00:04:12,220
+الإيجارة المنتهية بالتمليك بيع تقسيط طيب إذا مدام
+
+40
+00:04:12,220 --> 00:04:17,440
+هو بيع تقسيط الأصل أن ينطبق أو تنطبق عليه أحكام
+
+41
+00:04:17,440 --> 00:04:21,980
+البيع بالتقسيط وأن يترتب عليه أحكام البيع بالتقسيط
+
+42
+00:04:21,980 --> 00:04:30,000
+لأن المعاملات بمقصدها وبغايتها ونتائجها لكن هلهل
+
+43
+00:04:30,000 --> 00:04:35,640
+ترتب على الإجارة المنتهية بالتمليك ما يترتب على
+
+44
+00:04:35,640 --> 00:04:41,780
+بيع التقصيد؟ لا، من حيث ماذا؟ من حيث إن بيع
+
+45
+00:04:41,780 --> 00:04:48,700
+التقصيد يترتب عليه التمليك الفوري والعاجل بمجرد
+
+46
+00:04:48,700 --> 00:04:52,940
+توقيع العقد بينما الإجارة المنتهية بالتمليك رغم
+
+47
+00:04:52,940 --> 00:04:58,720
+أنها بيع تقصيد في حقيقتها إلا أن مسألة التمليك
+
+48
+00:05:01,250 --> 00:05:08,210
+تؤجل وتؤخر إلى آخر قصة وهذا يتنافى مع البقية
+
+49
+00:05:08,210 --> 00:05:13,690
+وأحكامه، إذا هذه في مشكلة، لابد من أن نضعها تحت
+
+50
+00:05:13,690 --> 00:05:20,740
+المجهر وفي عين الاعتبار ونأخذها بعين الاعتبارالان
+
+51
+00:05:20,740 --> 00:05:26,260
+نظرة اخرى او رب قائل يقول لماذا نعتبره بيع
+
+52
+00:05:26,260 --> 00:05:31,380
+بالتقصيد لماذا لا نعتبره اجارة كالاجارة العادية
+
+53
+00:05:31,380 --> 00:05:38,440
+اذا كان هناك مشكلة في اعتباره بيع تقصيد هنا في
+
+54
+00:05:38,440 --> 00:05:45,480
+مشكلة هل اعتبرناهم او اعتبرناها اجارة عادية
+
+55
+00:05:45,480 --> 00:05:47,800
+والاجارة جائزة
+
+56
+00:05:50,420 --> 00:05:55,000
+وليس فيها إشكال تعالوا نشوف هل من مشكلة لو
+
+57
+00:05:55,000 --> 00:06:02,920
+اعتبرناها إجارة عادية نعم أين؟
+
+58
+00:06:02,920 --> 00:06:06,020
+الإجارة العادية بطبيعتها
+
+59
+00:06:07,330 --> 00:06:10,450
+وإن اتفقت مع الإيجارة المنتهية بالتمليك من حيث
+
+60
+00:06:10,450 --> 00:06:16,930
+وجود الأقصاد والمدة والأحكام إلى حين لكن الإيجارة
+
+61
+00:06:16,930 --> 00:06:24,430
+العادية بكل حال لا تنتهي بالتمليك والتي
+
+62
+00:06:24,430 --> 00:06:28,530
+بين أيدينا المعاملة إيجارة تنتهي بالتمليك وهذا
+
+63
+00:06:28,530 --> 00:06:33,010
+تناقض وده قد ذكرناه من اللحظة الأولى برضه هذه نظرة
+
+64
+00:06:33,010 --> 00:06:35,810
+يعني إذا بدنا نعتمد رهابيع في مشكلة
+
+65
+00:06:38,720 --> 00:06:45,980
+وهي عدم التمليك المشكلة اه
+
+66
+00:06:45,980 --> 00:06:51,340
+لان يا اخوى البيع بالتقصيد ولا مش بالتقصيد الاصل
+
+67
+00:06:51,340 --> 00:06:56,980
+ان يتملك السلعة على الفور على الفور ويحق له ان
+
+68
+00:06:56,980 --> 00:07:01,660
+يتصرف فيها كيف يشاء انا باشتري السلعة من البائع
+
+69
+00:07:01,660 --> 00:07:07,120
+بالتقصيد ويمكن لسه مادفعتش القصة الاول بقدر ثاني
+
+70
+00:07:07,120 --> 00:07:12,390
+يوم ابيعهاوفق العقد، المقتض العقد ملكي، العقد
+
+71
+00:07:12,390 --> 00:07:17,210
+البايع يقتضي التمليك، لكن عقد ال .. يعني .. لكن هل
+
+72
+00:07:17,210 --> 00:07:21,170
+هذه .. إذا اعتبرناها بيع، هل هذه الإيجارة تعطيك
+
+73
+00:07:21,170 --> 00:07:25,670
+هذا الحق، تنتج هذه النتيجة؟ لا، ومن هنا اكدت
+
+74
+00:07:25,670 --> 00:07:28,910
+المشكلة، طيب نعتبرها إيجارة، واحد يقولك عشان نبقى
+
+75
+00:07:28,910 --> 00:07:34,160
+بعد هذه المشكلة، برضه هنجع في مشكلة أخرىأين؟ ذلك
+
+76
+00:07:34,160 --> 00:07:38,120
+أن الإجارة العادية لا تنتهي بالتمليك، القضية
+
+77
+00:07:38,120 --> 00:07:41,620
+معكوسة الآن، المشكلة معكوسة، الإجارة العادية لا
+
+78
+00:07:41,620 --> 00:07:46,580
+تنتهي بالتمليك أبدا، الإجارة شيء، الإجارة انتفاع
+
+79
+00:07:46,580 --> 00:07:52,580
+فقط، انتفاع بالعين، وعند انتهاء المدة، لحظة، تسلم
+
+80
+00:07:52,580 --> 00:07:58,600
+العين إلى صاحبهالكن هذه الإيجار المنتهية بالتمليل
+
+81
+00:07:58,600 --> 00:08:04,040
+عند انتهاء المدة تسلم العين للمستأجر شتانة في
+
+82
+00:08:04,040 --> 00:08:07,720
+الإيجار العادية تسلم العين للمؤجر وفي الإيجار
+
+83
+00:08:07,720 --> 00:08:14,200
+المنتهية بالتمليل تسلم العين للمستأجرفشتان اذا لو
+
+84
+00:08:14,200 --> 00:08:20,160
+اعتبرناها بيأ في مشكلة اعتبرناها اجارة في مشكلة ثم
+
+85
+00:08:20,160 --> 00:08:25,600
+شيء اخر التفدوا اليه وهو من خلال الفروق أيضا
+
+86
+00:08:25,600 --> 00:08:31,660
+لمسناهم ان ثم تعدت عقود في عقد واحد او في معاملة
+
+87
+00:08:31,660 --> 00:08:38,300
+واحدة عقد شراء اول ثم عقد اجارة ثم وعد بالتمليك ثم
+
+88
+00:08:38,300 --> 00:08:43,890
+ماذا ثم التمليك او عقد التمليكوهنا أيضا مشكلة
+
+89
+00:08:43,890 --> 00:08:50,150
+لاحظناها في عقد المرابحة المنتهية المرابحة
+
+90
+00:08:50,150 --> 00:08:54,310
+المصرفية ووجدنا لها حل على كل حال إذا هذه الوقفات
+
+91
+00:08:54,310 --> 00:09:03,170
+تحتاج إلى حلول تحتاج إلى مخارج لكي نقول بحلها وإلا
+
+92
+00:09:03,170 --> 00:09:11,580
+ستكون خراما إذا الآن يا إخوةخلّيني أمشي واحدة
+
+93
+00:09:11,580 --> 00:09:16,560
+واحدة في الحل لبيان الحكم، الآن إذا اعتبرنا يعني
+
+94
+00:09:16,560 --> 00:09:23,740
+من حيث كونها إيجارة إلى حين إلى ما قبل التمليك، لا
+
+95
+00:09:23,740 --> 00:09:28,900
+إشكل، حقيقة، من حيث كونها، لكن المشكلة وين؟ إن هي
+
+96
+00:09:28,900 --> 00:09:35,360
+يعني لا تمتهي عند ذلك الحين الذي تتوقف فيه أحكام
+
+97
+00:09:35,360 --> 00:09:40,830
+الإيجارةولا لا وإنما بعد ذلك يتم التمليك والتوعاقد
+
+98
+00:09:40,830 --> 00:09:45,490
+وإلى غير ذلك على كل الأحوال فالنقطة الأخيرة لا
+
+99
+00:09:45,490 --> 00:09:50,330
+إشكال فيها من حيث النظر والمحطة والتكييف ارحمكم
+
+100
+00:09:50,330 --> 00:09:54,130
+الله لا إشكال فيها من حيث كونها إجارة إلى ذلك
+
+101
+00:09:54,130 --> 00:09:57,670
+الحين وتنطبق عليها لأن هذا اتفاق إجارة هو الإجارة
+
+102
+00:09:57,670 --> 00:10:03,390
+لا إشكال فيها لكن وأيضا خليني أبدأ من تحت برضه
+
+103
+00:10:03,390 --> 00:10:06,050
+كمان مرة من حيث كونها
+
+104
+00:10:08,820 --> 00:10:15,160
+من حيث كونها اجتملت على اكثر من عقد في عقد واحد او
+
+105
+00:10:15,160 --> 00:10:20,300
+في معاملة واحدة ايضا لها حل وجدناه في المرابحة
+
+106
+00:10:20,300 --> 00:10:24,400
+المصرفية المرابحة المصرفية كان من ضمن الاعترابات
+
+107
+00:10:24,400 --> 00:10:30,240
+انها باعتين في باعة، مظبوط؟والعلماء قالوا ليس
+
+108
+00:10:30,240 --> 00:10:35,460
+المقصود من بيعتين في بايع أن يكون هناك عقد مرتبط
+
+109
+00:10:35,460 --> 00:10:39,600
+بعقد آخر فهناك كثيرة هي العقد المرتبطة ببعضها لبعض
+
+110
+00:10:39,600 --> 00:10:44,200
+ولا يضر ولكن المقصود أن يكون هناك ثمانين للسلعة في
+
+111
+00:10:44,200 --> 00:10:49,340
+آن واحد دون أن يحدد أحدهم وهذا ليس موجود في هذه
+
+112
+00:10:49,340 --> 00:10:53,340
+المعاملة اذا مسألة تكون أكتر من عقد في المعاملة مش
+
+113
+00:10:53,340 --> 00:10:58,960
+إشكالية برضه تغضينهاتمام؟ الآن احنا عشان نصل للحكم
+
+114
+00:10:58,960 --> 00:11:06,000
+في الآخر الآن ماذا عن الإجارة التي تنتهي بالتمليك
+
+115
+00:11:06,000 --> 00:11:11,940
+ماذا لو اعتبرناها إجارة لكن بشرط التمليك أو
+
+116
+00:11:11,940 --> 00:11:17,820
+اعتبرناها بيع ولكن بشرط عدم التمليك الفوري مش
+
+117
+00:11:17,820 --> 00:11:22,620
+التمليك المطلق من الأولانية التمليك الفوريولكن
+
+118
+00:11:22,620 --> 00:11:26,760
+التأخير هذه النقطة والتي قبلها يعني الأولى
+
+119
+00:11:26,760 --> 00:11:35,100
+والثانية عندكم هذه اخوة تكيف على اعتبار ان ثم تعقد
+
+120
+00:11:35,100 --> 00:11:40,710
+و شرطسواء اعتبرناها بيع او اعتبرناها اجارة، اذا
+
+121
+00:11:40,710 --> 00:11:45,490
+اعتبرناها بيع فثمة عقد بيعين مشروط بعدم التملك
+
+122
+00:11:45,490 --> 00:11:52,390
+الفوري، مظهر؟ واذا اعتبرناها اجارة فثمة شرط ايضا
+
+123
+00:11:53,370 --> 00:12:00,750
+شرط بالتمليك لكن الأول شرط من مين والثاني من مين
+
+124
+00:12:00,750 --> 00:12:07,750
+الأول اللي في البيع شرط من المؤجر لأنه بيع عدم
+
+125
+00:12:07,750 --> 00:12:13,230
+التمليك من البنك والشرط الثاني لو اعتبرناها إجارة
+
+126
+00:12:13,230 --> 00:12:17,830
+شرط من المستأجر بغض النظر من المؤجر من المستأجر
+
+127
+00:12:17,830 --> 00:12:21,950
+ففي المحطة الأولى والثانية اعتبرناها في محالة
+
+128
+00:12:21,950 --> 00:12:29,280
+مائدة اعتبرناهابيع او اعتبرناها اجارة ينطبق عليها
+
+129
+00:12:29,280 --> 00:12:36,880
+حكم او ينطبق عليها الخلاف ده انا اقول في حكم
+
+130
+00:12:36,880 --> 00:12:43,800
+العقود المشروطة العقود المشروطة وقد يقول القائل
+
+131
+00:12:43,800 --> 00:12:50,280
+وهل العقود المشروطة محل خلاف؟أقول لا، أو ليست كل
+
+132
+00:12:50,280 --> 00:12:55,120
+العقود المشروطة محله خلاف، العقود أو الأصل في
+
+133
+00:12:55,120 --> 00:12:59,380
+العقود أنه يجوز أن يكون هناك شروط، ولكن إن كان
+
+134
+00:12:59,380 --> 00:13:09,160
+الشرط مناقضا، مضادا، غير متناغم مع حقيقة المعاملة
+
+135
+00:13:12,000 --> 00:13:17,420
+ومفهومها ومضمونها فهنا تكون الإشكالية عندما يكون
+
+136
+00:13:17,420 --> 00:13:23,900
+الشرط عادي شرط لا يضر يعني أنا بشر الشغل بشرط أن
+
+137
+00:13:23,900 --> 00:13:31,200
+تلتزم بالمواصفات بشرط أنه يعني أن ضمانة معينة شرط
+
+138
+00:13:31,200 --> 00:13:37,560
+هذه معتادة معروفةلكن نحظوا تم تشروط تتناقض مع
+
+139
+00:13:37,560 --> 00:13:43,100
+حقيقة المعاملة أو العقد الفلاني أو العلاني يعني في
+
+140
+00:13:43,100 --> 00:13:50,450
+البيعالبيع بطبيعته يقطب التمليك الفوري، فعندما
+
+141
+00:13:50,450 --> 00:13:57,170
+يأتيني شخص بائع ويقول لي أبيعك هذه على أن لا
+
+142
+00:13:57,170 --> 00:14:06,070
+تتملك، هذا شرط مناقض لمقتبل عقد، عقد البيع، لا
+
+143
+00:14:06,070 --> 00:14:11,990
+يتناغم معاه، أي بيع هذا؟ أي بيع هذا الذي سيترتب
+
+144
+00:14:11,990 --> 00:14:18,580
+عليه عدم التمليك؟ مش بيعمش بايع، إذا هنا إشكالي أو
+
+145
+00:14:18,580 --> 00:14:26,400
+كما في الإجارة، إجارة الأصل أن تكون مؤقتة و أن لا
+
+146
+00:14:26,400 --> 00:14:30,940
+تنتهي بالتمليك، يأتيني المستاجر يقول لي أستأجر منك
+
+147
+00:14:30,940 --> 00:14:36,980
+كذا على أن ينتهي .. تنتهي الإجارة معك بالتمليك،
+
+148
+00:14:36,980 --> 00:14:47,550
+إذا أيضا هذا شرطمضاد مناقض لمقتضاء ولحقيقة ولما
+
+149
+00:14:47,550 --> 00:14:51,870
+بنيت عليه هذه المعاملة الإجارة بنيت على التوقيت
+
+150
+00:14:51,870 --> 00:14:57,810
+وعلى عدم التمليج يأتي شرط معاكس هنا مشكلةطيب، بغض
+
+151
+00:14:57,810 --> 00:15:05,150
+النظر إجارة، بيع، زواج، الزواج يعني مثلا واحد تزوج
+
+152
+00:15:05,150 --> 00:15:09,090
+واشترطت عليه زوجته عدب المفيد، أي زواج هذا؟ مثلا،
+
+153
+00:15:09,090 --> 00:15:18,390
+هذا كلهم إشكلات، إشكالات، فنعود إذن الآنطيب، ماذا
+
+154
+00:15:18,390 --> 00:15:24,210
+لو تم الاتفاق، كما هي حالتنا هذه؟ هنا، بغض النظرات
+
+155
+00:15:24,210 --> 00:15:28,050
+برنامج، بيعت برنامج إيجارة متوافقة على ذلك، هل يضر
+
+156
+00:15:28,050 --> 00:15:34,190
+مثل هذا الشرط الذي يناقض مقتضى العقد، هل يضر في
+
+157
+00:15:34,190 --> 00:15:40,290
+المعاملة أو في العقد؟ فينزع عنه الصحة ليقلبه إلى
+
+158
+00:15:40,290 --> 00:15:46,490
+البطلان والفساد؟ خلافخلاف قديم بغضب مش في الإيجارة
+
+159
+00:15:46,490 --> 00:15:54,590
+في أصل مسألة العقد المشروط بشرط مضاقب العقد، فيها
+
+160
+00:15:54,590 --> 00:16:01,990
+خلاف جمهور العلماء أن المعاملة تبطلجمهور العلماء
+
+161
+00:16:01,990 --> 00:16:10,910
+أن مثل هذه العقود التي اقترنت بشروط مناقضة لمقتضع
+
+162
+00:16:10,910 --> 00:16:15,710
+العقد، أي شرط مناقض لمقتضع العقد، العقد يصبح باطل
+
+163
+00:16:15,710 --> 00:16:22,100
+أو فازلكن في نفس الوقت يعني رغم هذا رأي الجمهور
+
+164
+00:16:22,100 --> 00:16:27,280
+ونحترم رأي الجمهور لكن في نفس الوقت التفت العلماء
+
+165
+00:16:27,280 --> 00:16:32,460
+المعاصرون يمنة ويسرة ليجدوا مخرجا فوجدوا أن بعض
+
+166
+00:16:32,460 --> 00:16:37,900
+العلماء القدامى أيضا كالحنابلة
+
+167
+00:16:39,680 --> 00:16:43,920
+وغيرهم، لكن قلة بالنسبة، مش جمهور، قالوا بأنه
+
+168
+00:16:43,920 --> 00:16:51,480
+يجوز، مناقض مش مناقض المسلمون عند شروطهم، والأصل
+
+169
+00:16:51,480 --> 00:16:57,640
+في المعاملات الإباحة، فلذلك اللي بتفج عليه إلا شرط
+
+170
+00:16:57,640 --> 00:17:00,900
+أن أحل حراما أو أحرم حلالا، يعني هل هذي يحلوا
+
+171
+00:17:00,900 --> 00:17:05,360
+حراما و لا يحرموا حلالا؟يعني ربما أولئك اعتبروه
+
+172
+00:17:05,360 --> 00:17:11,960
+كذلك لكن هنا من هنا جالوا بس وقفنا على المخرج
+
+173
+00:17:11,960 --> 00:17:17,530
+شوفته في المرابح المصرفيةبرض نفس الخلاف كان
+
+174
+00:17:17,530 --> 00:17:22,510
+الجمهور على عدم الوفاء، وهناك فريق يقولوا بالوفاء،
+
+175
+00:17:22,510 --> 00:17:26,110
+بلزوم الوفاء، وجمهور المعاصرين أخذوا بالرأي
+
+176
+00:17:26,110 --> 00:17:30,310
+المرجوح، الذي يقولوا بلزوم الوفاء وبنوا عليه
+
+177
+00:17:30,310 --> 00:17:34,890
+رأيهم، الذي يقولوا بجواز المرابح المصرفية، وهنا
+
+178
+00:17:34,890 --> 00:17:40,740
+الأمر كذلكنظر علماء المؤاصرون فوجدوا أن فريقا من
+
+179
+00:17:40,740 --> 00:17:47,620
+العلماء وإن لم يكن يمثل الجمهور قالوا بجواز أن
+
+180
+00:17:47,620 --> 00:17:51,920
+يقترن العقد بشرط أي إن كان هذا الشرط ولو كان
+
+181
+00:17:51,920 --> 00:17:57,800
+مناقضا وقالوا إذا معاملتنا هذه حتى وإن قررنا بأن
+
+182
+00:17:58,380 --> 00:18:05,420
+الشرط سواء كان بيعا او ايجارة مناقض لمقتضع العقد
+
+183
+00:18:05,420 --> 00:18:12,940
+فإنه فإنها تكون جائزة بناء على رأيهم بناء على
+
+184
+00:18:12,940 --> 00:18:18,180
+رأيهم ولا وليس تمت إشكال ولنا أن نأخذ بالرأي
+
+185
+00:18:18,180 --> 00:18:24,160
+المرجوح في زمن أساسا هو زمن مرجوح هو زمن استثنائي
+
+186
+00:18:24,160 --> 00:18:29,580
+نحن في زمن استثنائيزمن طغت فيه المادة، زمن كتر فيه
+
+187
+00:18:29,580 --> 00:18:34,000
+الحرام، زمن فسدت فيه الذمم، زمن يحتاج الناس فيه
+
+188
+00:18:34,000 --> 00:18:41,480
+الى التيسير و الحرج عنهم و هكذا فلا بأسة من الأخذ
+
+189
+00:18:41,480 --> 00:18:48,020
+في هذا العصربهذا الرأي وهو ما قال به العلماء
+
+190
+00:18:48,020 --> 00:18:57,980
+المعاصرون وبناء على ذلك قالوا بجواز ال .. بجواز ال
+
+191
+00:18:57,980 --> 00:19:02,940
+.. لكن طبعا بجواز هذه المعاملة لكن سيكون هناك فريق
+
+192
+00:19:02,940 --> 00:19:06,940
+اخر بالطبع ظل على رأي الجمهور القدامى يقولوا بعدم
+
+193
+00:19:06,940 --> 00:19:15,160
+جواز هذه المعاملة لأنهاتضمنت شرطا مناقضا للعقدة
+
+194
+00:19:15,160 --> 00:19:20,100
+لكن جمهور المعاصرين لاحظوا ال .. ال .. ال .. ال ..
+
+195
+00:19:20,100 --> 00:19:25,120
+الوجه الافتراك جمهور المعاصرين يقولوا بالجواز لهذه
+
+196
+00:19:25,120 --> 00:19:29,360
+المعاملة بناء على رأي البعض القديم لكن جمهور
+
+197
+00:19:29,360 --> 00:19:40,060
+القدامى يقولون لو بدنا نطبق قاعدتهمسيصبح رأيهم
+
+198
+00:19:40,060 --> 00:19:48,260
+يقتضي بعدم جواز هذه المعاملة لكن ربما لو عاش
+
+199
+00:19:48,260 --> 00:19:52,920
+القدماء في عصرنا لقالوا بمثل ما قال به علماء هذا
+
+200
+00:19:52,920 --> 00:19:59,640
+العصر تيثيرا على الناسمع ذلك مع أن العلماء
+
+201
+00:19:59,640 --> 00:20:05,260
+المعاصرين قالوا بجواز هذه المعاملة بناء على رأي
+
+202
+00:20:05,260 --> 00:20:12,360
+يعني وجدوه للعلماء القدامى بجواز اشتراط شرط مناقض
+
+203
+00:20:12,360 --> 00:20:17,000
+أي ان كان و لو كان مناقض معاقد يعنياشترطوا شروطا
+
+204
+00:20:17,000 --> 00:20:23,140
+اولها يعني شروط يعني هي يعني مفهومة وقد حدثنا عنها
+
+205
+00:20:23,140 --> 00:20:28,460
+ان تكون هناك مدة الإيجارة المتفق عليها تنطبق عليها
+
+206
+00:20:28,460 --> 00:20:32,540
+أحكام الإيجارة عشان يصير فيه عقد مستقل كله عقد
+
+207
+00:20:32,540 --> 00:20:37,340
+مستقل له كامل عقد الإيجارة كأنه فيه نعم الاستقلالي
+
+208
+00:20:37,340 --> 00:20:41,800
+والتمام وعقد التنازل والتمليكفيه نوع من الاستقلالي
+
+209
+00:20:41,800 --> 00:20:46,580
+والتمام فهم بيشترطوا علشان يعني ماتصريش أحكام
+
+210
+00:20:46,580 --> 00:20:55,520
+البيععلى الإيجارة هذه في الفترة التسديد بل تسري
+
+211
+00:20:55,520 --> 00:20:58,860
+أحكام الإيجارة بمقتضى العقد المتفق عليه لأن العقد
+
+212
+00:20:58,860 --> 00:21:04,460
+عقد إيجارة فلابد من الالتزام بهذا العقد وهذا يقتضي
+
+213
+00:21:04,460 --> 00:21:11,080
+تطبيق أحكام الإيجارة كاملة كل المدة إلى حين
+
+214
+00:21:11,080 --> 00:21:20,550
+انتهائها طبعا ومن مقتضياتكون العقد عقد إجارة أن
+
+215
+00:21:20,550 --> 00:21:26,510
+تكون هناك مدة محددة شرط يعني ليس متروكا إلى بلا ..
+
+216
+00:21:26,510 --> 00:21:31,770
+بلا تحديد خلاص بتسدد على راحتك و لما نتسدد اه
+
+217
+00:21:31,770 --> 00:21:37,470
+بنملكك طب وقتاش ماسجلناش جداش ماسجلناش مش حقيقي
+
+218
+00:21:37,470 --> 00:21:44,710
+لازم تكون المدة محددة و الأقصاد معلومةلأن هذا
+
+219
+00:21:44,710 --> 00:21:51,190
+حقيقة هو من مقضيات صحة عقد الإجارة واحنا بنتكلم عن
+
+220
+00:21:51,190 --> 00:21:59,590
+إجارة في فترة معينة ثم الشرط الثالث وجوب نقل
+
+221
+00:21:59,590 --> 00:22:05,490
+الملكية إلى المستأجر عند نهاية المدة لأن هذا من
+
+222
+00:22:05,490 --> 00:22:14,180
+باب الوفاءبالوعد والشرط الذي تم بعد ذلك يعني مش
+
+223
+00:22:14,180 --> 00:22:17,900
+بعد عشر سنين ولا قبل ما تنتهي المدة بسنة ولا
+
+224
+00:22:17,900 --> 00:22:22,640
+بسنتين يجي البنك يقوله شاف العقارات غليت ولا
+
+225
+00:22:22,640 --> 00:22:26,720
+اتغيرت الأسعار يقوله والله بس خلاص بطلت عقد
+
+226
+00:22:26,720 --> 00:22:31,140
+الإجارة مش المؤجر بحاجله لوجف انا بحاجله خلاص مع
+
+227
+00:22:31,140 --> 00:22:37,660
+السلامةلأ طب هنا طبعا يأتي .. تأتي أهمية الوفاء
+
+228
+00:22:37,660 --> 00:22:44,960
+بالشرط وتأتي أهمية المسلمون عند شروطهم احنا .. نعم
+
+229
+00:22:44,960 --> 00:22:50,220
+ان العقل بنزله يقول لما ينجح الملكية
+
+230
+00:22:53,620 --> 00:23:01,100
+يعني يا إخوة هنا يتخير البنك والمستاجر الطريقة
+
+231
+00:23:01,100 --> 00:23:08,880
+التي يملكونها أو يتملكون بها سواء بآخر قصة سواء
+
+232
+00:23:08,880 --> 00:23:15,840
+بثمن رمزي سواء بمجموع الأقصاد سواء بالهبة والتنازل
+
+233
+00:23:15,840 --> 00:23:21,540
+مش إشكال بمعنى المهم أن يتم التمليكبوسيلة من
+
+234
+00:23:21,540 --> 00:23:25,280
+الوسائل المشروعة، التمليك ممكن بالبيع، التمليك
+
+235
+00:23:25,280 --> 00:23:31,760
+بالهبة، التمليك بالتنازل، مش مشكلة، يعني ليس شرطا،
+
+236
+00:23:31,760 --> 00:23:39,090
+ليس شرطا يمكن من البداية تم الاتفاقهبة بعد تمام
+
+237
+00:23:39,090 --> 00:23:44,250
+ايش طبعا .. اه هي هبة شكلية هو حقيقة ليست هبة ولا
+
+238
+00:23:44,250 --> 00:23:49,210
+تنازل ولا مساعدة هي حقيقة الأجرة هذه الأقصاد
+
+239
+00:23:49,210 --> 00:23:54,950
+الأجرة هي كانت أقصاد التملك او أقصاد البياء لأنه
+
+240
+00:23:54,950 --> 00:24:00,950
+احنا اول عن اخر احنا في قارات أنفسنا عارفين انه
+
+241
+00:24:00,950 --> 00:24:06,670
+هذه الإيجارة المنتهية بالتمليك هي بيعواحنا قلنا
+
+242
+00:24:06,670 --> 00:24:13,390
+هذا هو كان الوجه الأول من وجوه الاتفاق بين الإجارة
+
+243
+00:24:13,390 --> 00:24:22,010
+المنتهية بالتمليك وبين البيع احنا بذلك نكون قد
+
+244
+00:24:22,010 --> 00:24:27,110
+انتهينا من الحديث عن الإجارة المنتهية بالتمليك
+
+245
+00:24:27,110 --> 00:24:32,090
+سواء من حيث تعريفها والخطوات التي تتم بها وعلاقتها
+
+246
+00:24:32,370 --> 00:24:38,330
+بالعقود المشابهة ثم تكييفها الفقه انتهاء بحكمها
+
+247
+00:24:38,330 --> 00:24:40,530
+الشرعي شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/K5rj2J3gfy0.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/K5rj2J3gfy0.srt
new file mode 100644
index 0000000000000000000000000000000000000000..a56ba26335b26ee241328067ab3b07a58206d28e
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/K5rj2J3gfy0.srt
@@ -0,0 +1,1286 @@
+
+1
+00:00:21,040 --> 00:00:25,980
+الحمد لله والصلاة والسلام على رسول الله وعلى آله
+
+2
+00:00:25,980 --> 00:00:31,460
+وصحبه ومن اهتدى بهديه واستنى بسنته إلى يوم الدين اللهم
+
+3
+00:00:31,460 --> 00:00:37,020
+إننا نسألك الهدى والتقوى والعفاف والغنى وأن تعلمنا
+
+4
+00:00:37,020 --> 00:00:43,000
+ما ينفعنا وأن تنفعنا بما علمتنا وأن توفقنا لما تحب
+
+5
+00:00:43,000 --> 00:00:52,990
+وترضى. وبعد، نواصل حديثنا حول موضوع حق التأليف والذي
+
+6
+00:00:52,990 --> 00:00:58,490
+كنا قد ابتدأنا الحديث فيه المرة الماضية، بدءًا
+
+7
+00:00:58,490 --> 00:01:06,430
+بالتعريف بحق التأليف في اللغة وفي الاصطلاح، بعد
+
+8
+00:01:06,430 --> 00:01:11,650
+بياننا أنه يعتبر، أي حق التأليف، صورة من صور حقوق
+
+9
+00:01:11,650 --> 00:01:18,880
+الابتكار بشكل عام. ومن هنا كان منطلق الحديث حول حق
+
+10
+00:01:18,880 --> 00:01:26,700
+التأليف في مدى اعتبار هذا الحق، يجوز أخذ العائد
+
+11
+00:01:26,700 --> 00:01:33,940
+المالي أو المادي عنه أم لا. وقد قلنا في المرة
+
+12
+00:01:33,940 --> 00:01:40,640
+الماضية أنه تكاد تجتمع كلمة العلماء، علماء المسلمين،
+
+13
+00:01:40,640 --> 00:01:50,060
+وفقاهائهم، على أنه يجوز أخذ الحق من حيث الجملة، يجوز
+
+14
+00:01:50,060 --> 00:01:56,020
+أخذ الحق أو أخذ العائد المالي أو المادي من حيث
+
+15
+00:01:56,020 --> 00:02:04,740
+الجملة، ولكنهم اختلفوا ربما في ذلك في بعض الحالات
+
+16
+00:02:04,740 --> 00:02:13,230
+عندما يكون أخذ هذا الحق يتسبب عنه ضرر أكبر،
+
+17
+00:02:13,230 --> 00:02:18,630
+عندما يكون أخذ هذا العائد المادي، يتسبب عنه امتناع
+
+18
+00:02:18,630 --> 00:02:25,990
+النشر للمؤلفات والمصنفات، والتي فيها، بما لا يخفى،
+
+19
+00:02:25,990 --> 00:02:32,170
+نفع لعامة المسلمين. هنا في هذه الحالة، يعني كان
+
+20
+00:02:32,170 --> 00:02:38,250
+الخلاف بين العلماء الذي بدأنا نورده، أدلة كل فريق
+
+21
+00:02:38,250 --> 00:02:43,830
+منذ المرة الماضية. لكن من حيث المبدأ، أكدنا أنه
+
+22
+00:02:43,830 --> 00:02:49,810
+لا يمانع العلماء إجمالًا، على اختلاف توجهاتهم، من أخذ
+
+23
+00:02:49,810 --> 00:02:55,430
+بدل مالي، بغض النظر عن الطريقة، سواء كان من خلال
+
+24
+00:02:55,430 --> 00:03:00,810
+رعاية الدولة أو المؤسسة، وكفالة الحقوق الأساسية
+
+25
+00:03:00,810 --> 00:03:08,610
+والتكميلية، حتى للمؤلفين والعلماء، أو من خلال بيع
+
+26
+00:03:08,610 --> 00:03:19,470
+المؤلف نفسه لمنتجه، وأخذ الربح مقابل هذه المشاقة.
+
+27
+00:03:19,470 --> 00:03:25,950
+على كل الأحوال، نحن، كما قلت، بدأنا نتحدث عن آراء
+
+28
+00:03:25,950 --> 00:03:31,850
+العلماء، ورغم هذا الاختلاف في الحالة التي ذكرناها،
+
+29
+00:03:31,850 --> 00:03:37,770
+إلا أننا رأينا أن جماهير فقهاء المسلمين من
+
+30
+00:03:37,770 --> 00:03:43,670
+العلماء المعاصرين، على القول بجواز أخذ العائد
+
+31
+00:03:43,670 --> 00:03:50,970
+المالي عن حق التأليف، وبغض النظر عن الطريقة، سواء
+
+32
+00:03:50,970 --> 00:03:57,850
+تكفلت الدولة بذلك، وأعطته مرتبًا، أو أعطته، يعني،
+
+33
+00:03:57,850 --> 00:04:05,510
+الضروريات، للبيل، كمسكن ومأكل ومشرب وإلى
+
+34
+00:04:05,510 --> 00:04:11,830
+غير ذلك، أو سواء قام هو نفسه، الذي لم تكفله الدولة،
+
+35
+00:04:11,830 --> 00:04:20,370
+أو المؤسسة، بالتصرف في منتجه هذا، أو في مؤلفه هذا،
+
+36
+00:04:20,370 --> 00:04:28,870
+وبيعه، والانتفاع بالربح المتبقي له، ليتكفل بأمور نفسه
+
+37
+00:04:28,870 --> 00:04:37,270
+بنفسه. فالجمهور من العلماء، لا إشكال لديهم على اعتبار
+
+38
+00:04:37,270 --> 00:04:48,210
+أن هذا المنتج، هذا المؤلف، يعني هو منتجه، هو أحق به،
+
+39
+00:04:48,210 --> 00:04:57,730
+هو نتاج جهده الفكري. فإن كانت هناك منفعة متولدة من
+
+40
+00:04:57,730 --> 00:05:04,810
+نتاج هذا التأليف أو الابتكار، فهو أحق بها من غيره،
+
+41
+00:05:04,810 --> 00:05:10,590
+ولا بأس بعد ذلك أن ينتفع عامة الناس منه، ويدفعوا
+
+42
+00:05:10,590 --> 00:05:17,080
+مقابلًا يسيرًا. يعني، لِيه لأ؟ فالناس، يعني، مقابل
+
+43
+00:05:17,080 --> 00:05:21,700
+ما يأخذونه من منافع، أو ما يتبادلون من منافع، إنما
+
+44
+00:05:21,700 --> 00:05:28,060
+يدفعوا كل واحد منهم للآخر شيئًا، بسيطًا أو غير بسيط،
+
+45
+00:05:28,060 --> 00:05:34,380
+مش مشكلة. يعني، تبادل المنافع يقضي بتبادل الجهود،
+
+46
+00:05:34,380 --> 00:05:41,620
+وتبادل الأموال، ودفع الأثمان. هذه فطرة الإنسان، وهذا
+
+47
+00:05:41,620 --> 00:05:49,040
+عدل حقيقي. ثم إنهم، بعد ذلك أو قبله، استدلوا بمجموعة
+
+48
+00:05:49,040 --> 00:05:54,120
+من الأدلة، بدأنا نتحدث فيها المرة الماضية، وربما
+
+49
+00:05:54,120 --> 00:06:02,980
+شاركتم أنتم في ذلك، في بيان هذه الأدلة، بدءًا من
+
+50
+00:06:02,980 --> 00:06:12,300
+الدليل العام المقرر في الشريعة الإسلامية، والمتمثل
+
+51
+00:06:12,300 --> 00:06:19,640
+في أن الشريعة تحمل المسؤولية لكل إنسان عما يصدر
+
+52
+00:06:19,640 --> 00:06:26,050
+عنه من قول أو عمل أو تصرف. تحمل المسؤولية، سواء
+
+53
+00:06:26,050 --> 00:06:31,690
+المسؤولية الإيجابية التي تقتضي أخذ المنفعة، أو
+
+54
+00:06:31,690 --> 00:06:37,290
+المسؤولية السلبية التي تقتضي المحاسبة والمعاقبة.
+
+55
+00:06:37,290 --> 00:06:44,010
+الإنسان مسؤول عن ما يصدر عنه. إن خيرًا، فالأصل أن
+
+56
+00:06:44,010 --> 00:06:53,600
+يكافأ، وإن شرًا، فالأصل أن يحاسب ويعاقب. هذه مقررات،
+
+57
+00:06:53,600 --> 00:06:59,960
+هذه مبادئ في شريعتنا، ما ينفذ من قول إلا لديه
+
+58
+00:06:59,960 --> 00:07:08,120
+رقيب عتيد. هو ليش يعني بيسجله، تسجيل عبثي؟ لا، ليس
+
+59
+00:07:08,120 --> 00:07:13,300
+تسجيلًا عبثيًا، إنما تسجيلًا له ما بعده من المحاسبة،
+
+60
+00:07:13,300 --> 00:07:22,090
+وإلا لما كان التسجيل. أه، ف… فمن يعمل مثقال ذرة خيرًا يراه،
+
+61
+00:07:22,090 --> 00:07:29,110
+ومن يعمل مثقال ذرة شرًا يراه. اه.
+
+62
+00:07:29,110 --> 00:07:34,190
+فمبدأ الحساب والعقاب، يعني، على ما يصدر، فهذا، هذا
+
+63
+00:07:34,190 --> 00:07:40,510
+وهذه، هذه، يعني حتى، وهذه دعنا نقول قاعدة أصولية. إن
+
+64
+00:07:40,510 --> 00:07:47,330
+لم يعلم الإنسان أنه سوف لا يحاسب ولا يعاقب، ولا
+
+65
+00:07:47,330 --> 00:07:52,610
+يثاب على ما يصدر عنه من أفعال، يعني… يعني
+
+66
+00:07:52,610 --> 00:07:57,770
+إما سيكون الإنسان سلبيًا، يعني سلبيًا من جانب الإيجاب،
+
+67
+00:07:57,770 --> 00:08:00,910
+…من جانب أفعال الخير، مدام أفعال الخير هذه لا أليها
+
+68
+00:08:00,910 --> 00:08:05,790
+فيها، لا في منفعة، ولا في مردود مادي ولا أدبي ولا
+
+69
+00:08:05,790 --> 00:08:11,190
+غيره. وكمان في المقابل، إن كانت أفعال الشر لا حساب
+
+70
+00:08:11,190 --> 00:08:20,000
+عليها، فإنها ستفرز لنا أشرارًا، وستفرز لنا مجرمين،
+
+71
+00:08:20,000 --> 00:08:24,960
+وإلا لماذا كانت العقوبات، ولماذا كانت المحاسبات في
+
+72
+00:08:24,960 --> 00:08:29,870
+كل الشرائع، وفي كل القوانين؟ لكن شريعتنا تميزت بأن
+
+73
+00:08:29,870 --> 00:08:37,390
+الحساب والعقاب والثواب والمحاسبة، لم يقتصر على
+
+74
+00:08:37,390 --> 00:08:43,310
+المحاسبة الدنيوية فقط، بل أيضًا الآخروية، لأن
+
+75
+00:08:43,310 --> 00:08:48,630
+المحاسبة الدنيوية لم تكن في يوم من الأيام محاسبة
+
+76
+00:08:48,630 --> 00:08:55,080
+شاملة أو عادلة حقيقية. يعني، بقدر ما يستطيعون، بحسب
+
+77
+00:08:55,080 --> 00:09:03,180
+الظاهر، أو بحسب ما يتيسر. ولذلك، لأن الله عز وجل هو
+
+78
+00:09:03,180 --> 00:09:08,960
+الحق والعدل، فقد ترك المحاسبة الحقيقية والعادلة له
+
+79
+00:09:08,960 --> 00:09:15,400
+سبحانه وتعالى في الآخر. على كل الأحوال، نعود، ولا
+
+80
+00:09:15,400 --> 00:09:23,900
+…والمؤلف هو أحد، يعني إيه؟ منتجات هذا الإنسان، أو
+
+81
+00:09:23,900 --> 00:09:29,880
+تصرفاته، أو أقواله. فلابد أن، وهي فيها من الخير، و
+
+82
+00:09:29,880 --> 00:09:36,700
+المنفعة، فلابد، إن كان فيها مردود، فهو أولى به من…
+
+83
+00:09:36,700 --> 00:09:42,830
+من… من… من… من غيره. فهذا يعني دليل أول. أما
+
+84
+00:09:42,830 --> 00:09:49,410
+إيه؟ الدليل الثاني، قولنا قياسًا على المنافع، قياسًا
+
+85
+00:09:49,410 --> 00:09:53,590
+على المنافع المعنوية. لأن الأموال، يا أخوي، أخوي،
+
+86
+00:09:53,590 --> 00:10:01,970
+أخوي، تنقسم إلى قسمين، من حيث هي أموال عينية،
+
+87
+00:10:01,970 --> 00:10:07,130
+محسوسة، عينية، عينية. هذه الطاولة مال عيني، هذا
+
+88
+00:10:07,130 --> 00:10:12,910
+الكمبيوتر عيني، محسوس، مرئي، ملموس. وهناك منافع،
+
+89
+00:10:14,480 --> 00:10:22,320
+المنافع شيء لا يُحاز، شيء معنوي، لكن أنت مقابل أنك
+
+90
+00:10:22,320 --> 00:10:28,900
+تنتفع بها، تدفع مالًا. فلذلك تُبرأ من قبل الأموال.
+
+91
+00:10:28,900 --> 00:10:34,960
+أنت عندما تستأجر سيارة، لا تأخذ منها شيء، عندما
+
+92
+00:10:34,960 --> 00:10:39,560
+تستأجر بيتًا، لا تأخذ منه شيء، ومع ذلك فإنك تدفع
+
+93
+00:10:39,560 --> 00:10:44,090
+المال. أنت ما تأخذه فقط، أو ما تستفيده، هو
+
+94
+00:10:44,090 --> 00:10:51,490
+المنفعة. فالمنفعة مُقدرة، مُقيمة بالمال. طيب، أليس
+
+95
+00:10:51,490 --> 00:10:57,510
+المؤلف فيه منفعة، أو من جملة المنافع يا سيدي التي
+
+96
+00:10:57,510 --> 00:11:01,490
+لم يكن على رأسها؟
+
+97
+00:11:01,490 --> 00:11:10,400
+وأليس من واجب من ينتفع به، من ينتفع، مقابل ذلك،
+
+98
+00:11:10,400 --> 00:11:15,520
+مقابل انتفاعه، أنا طورت من مستواي الفكري والعلمي،
+
+99
+00:11:15,520 --> 00:11:20,200
+والعقلي، أنا استفدت، أنا تفتحت على آفاق، أنا
+
+100
+00:11:20,200 --> 00:11:26,540
+تعلمت أشياء تفيدني في حياتي، أنا انتفعت، فليس من
+
+101
+00:11:26,540 --> 00:11:34,050
+العقل والحق، أن يدفع شيئًا، ويكون محرمًا على صاحب هذا
+
+102
+00:11:34,050 --> 00:11:39,470
+المبتكر، بعد ذلك، أن يأخذ بدلًا عن ما قدم من منفعة،
+
+103
+00:11:39,470 --> 00:11:46,290
+وخير لهذا… للأمة، أو لل… للمجتمع، إذا هي من جملة
+
+104
+00:11:46,290 --> 00:11:53,890
+المنافع التي لا بأس ولا مانع من أخذ بدل مالي عنها.
+
+105
+00:11:53,890 --> 00:11:58,890
+انظروا أيضًا، يعني، الشريعة الإسلامية، أيها الإخوة،
+
+106
+00:11:58,890 --> 00:12:07,750
+الكرام، يعني، قيمت أو قدرت الأشياء المعنوية في غير
+
+107
+00:12:07,750 --> 00:12:12,650
+موقف بالمال، يعني،
+
+108
+00:12:12,650 --> 00:12:22,370
+مثلًا، المهور، المهر، المهر معروف إيش؟ مال، أربعة آلاف
+
+109
+00:12:22,370 --> 00:12:26,430
+دينار، خمسة آلاف دينار، ستة آلاف دينار، ربنا إيش يُرخص
+
+110
+00:12:26,430 --> 00:12:28,710
+المهور، عشان يعني،
+
+111
+00:12:31,850 --> 00:12:36,790
+لِتصحيح الأمور، يعني إيه؟ الزواج عليكم إن شاء الله. طيب،
+
+112
+00:12:36,790 --> 00:12:43,190
+لكن لحظوا، في يوم من الأيام، رجل عند النبي صلى الله
+
+113
+00:12:43,190 --> 00:12:49,970
+عليه وسلم، لا يملك شيئًا، لا يملك إلا أنه يحفظ شيئًا
+
+114
+00:12:49,970 --> 00:12:57,050
+من القرآن، شيء معنوي، فقال النبي صلى الله عليه وسلم،
+
+115
+00:12:57,050 --> 00:13:04,060
+زوجتكها بما يحفظ من القرآن. فكان صلى الله عليه وسلم
+
+116
+00:13:04,060 --> 00:13:11,460
+في ذلك يشير إلى أن هذا الجانب الفكري والمعنوي يُقدر
+
+117
+00:13:11,460 --> 00:13:20,760
+بالمال، ولا بأس من مبادلته بالمال. لا بأس. تذكرون
+
+118
+00:13:20,760 --> 00:13:23,880
+موسى
+
+119
+00:13:23,880 --> 00:13:33,030
+مع شعيب؟ شعيب مع… شعيب مع… مع موسى يا عزيزي،
+
+120
+00:13:33,030 --> 00:13:36,410
+أه يا أبا، تستأجره؟ إن خير، أنا استأجرت القوية،
+
+121
+00:13:36,410 --> 00:13:43,950
+الأمين. وبعدين، يعني، نبينا شعيب، زوج موسى: إني أريد أن
+
+122
+00:13:43,950 --> 00:13:49,550
+أنكحك إحدى ابنتي، الاثنتين، على أن تأجرني
+
+123
+00:13:49,550 --> 00:13:56,620
+ثمانية حجج. مش هو… مش هيدفع له حاجة، موسى لن
+
+124
+00:13:56,620 --> 00:14:03,380
+يدفع له شيئًا، وإنما منفعة، استخدام، إجارة، إجارة. فالمنفعة
+
+125
+00:14:03,380 --> 00:14:11,140
+أيضًا مُقدرة بالمال. وأعز مال المهر، المهر يمكن أن
+
+126
+00:14:11,140 --> 00:14:17,100
+يكون منفعة. فإذا كان المهر، وهو أعز ما تملكه المرأة،
+
+127
+00:14:17,100 --> 00:14:23,770
+يمكن أن يقوم بأشياء معنوية، فلم لا يُقيم كذلك هذا، أو
+
+128
+00:14:23,770 --> 00:14:31,150
+لا يكون له مردود معنوي، أو مردود مادي، لصاحبه؟
+
+129
+00:14:31,150 --> 00:14:38,770
+ثم إضافة إلى هذا وذاك، شيء مهم جدًا. يعني، حتى لمن لا
+
+130
+00:14:38,770 --> 00:14:44,290
+يَقبلون كل هذه الأدلة، هناك دليل، يا إخوة، قد يكون
+
+131
+00:14:44,290 --> 00:14:53,130
+دامغًا، في الآخر وفي الأول. المنتج الفكري هذا، وإن كان
+
+132
+00:14:53,130 --> 00:15:04,050
+شيئًا معنويًا أو ماديًا أو فكريًا، لكنه نتاج جهد جسدي،
+
+133
+00:15:04,050 --> 00:15:09,350
+جهد عقلي، ينعكس على الجسد. هو اللي بيؤلف كتاب، مش
+
+134
+00:15:09,350 --> 00:15:16,340
+بيقعد أيام وشهور وربما سنين وهو ساهر الليالي، قاضِ
+
+135
+00:15:16,340 --> 00:15:23,700
+النهار، في القراءة والبحث والكتابة وإلى غير ذلك.
+
+136
+00:15:23,700 --> 00:15:28,100
+هذا الجهد، ينعكس على الجسم بال… بال… بال…
+
+137
+00:15:28,100 --> 00:15:35,640
+بالتعب، ويحتاج إلى أكل وشرب وإلى غير ذلك. فهمه نتاج،
+
+138
+00:15:35,640 --> 00:15:42,500
+بالضبط زي اللي بيشتغل في أي شغل، في الزراعة، في
+
+139
+00:15:42,500 --> 00:15:48,580
+الصناعة، ويأخذ أجرًا عن كل يوم يفعله. هذا أيضًا، كل
+
+140
+00:15:48,580 --> 00:15:53,640
+يوم بيقدم شيء، أو يبتكر، أو يكتب صفحة، إلى أن يُنقل في
+
+141
+00:15:53,640 --> 00:16:01,620
+هذا الكتاب. وما أتم هذا الكتاب حتى، يعني، بذل جهدًا،
+
+142
+00:16:01,620 --> 00:16:09,260
+جسديًا، حقيقة، عقليًا وجسديًا، مرهقًا، يعني، ولعل الجهد
+
+143
+00:16:09,260 --> 00:16:14,260
+الفكري ينعكس على الإرهاق على الجسد، أكثر من الجهد
+
+144
+00:16:14,260 --> 00:16:21,520
+البدني. طيب، يعني، هل ننكر الجهود؟ هل يُحرم من هذا
+
+145
+00:16:21,520 --> 00:16:29,500
+الجهد، الفكري والجسدي؟ يعني، غير مقبول والله، يعني، أبدًا.
+
+146
+00:16:29,500 --> 00:16:40,560
+فكَسائر ما يبذله الإنسان من جهود، ويأخذ عليها
+
+147
+00:16:40,560 --> 00:16:46,980
+بدلًا، ينبغي أن يأخذ بدلًا عن جهده الذي يبذله في تأليف
+
+148
+00:16:46,980 --> 00:16:55,430
+أو تصنيف كتاب. ثم الغرض أيضًا، قد جرى بذلك، وقبل ذلك،
+
+149
+00:16:55,430 --> 00:17:03,430
+والغرض، كما قلنا في الشرع، له اعتبار. ثم، يعني، يؤيد
+
+150
+00:17:03,430 --> 00:17:08,850
+ويؤدي كل هذا حديث النبي صلى الله عليه وسلم، يعني، الذي
+
+151
+00:17:08,850 --> 00:17:14,030
+قال فيه: من سبق إلى ما لم يسبق إليه مسلم، فهو له حق به.
+
+152
+00:17:14,030 --> 00:17:17,950
+وهو إيه؟ المؤلف. سابق، لأنه إحنا قلنا في تعريف
+
+153
+00:17:17,950 --> 00:17:24,190
+التأليف، مش أي صورة فكرية تُعد تأليفًا، بل لابد أن
+
+154
+00:17:24,190 --> 00:17:30,510
+تكون سباقة الفكرة، غير مسبوقة فيها. فإن سبقه أحد،
+
+155
+00:17:30,510 --> 00:17:37,050
+لا يُعده تأليفًا، وليس له حق بعد ذلك في أن يطالب بشيء.
+
+156
+00:17:37,380 --> 00:17:44,320
+لكن، مدام قد سبقه إلى هذا التصنيف أو التأليف أو
+
+157
+00:17:44,320 --> 00:17:49,380
+الشرح أو الإيجاز أو الابتكار أو الفن، الرسمة،
+
+158
+00:17:49,380 --> 00:17:55,540
+الفنية، أو حتى الأنشودة، الكلامية،
+
+159
+00:17:55,540 --> 00:18:01,910
+أو… فهو له حق أن يأخذ بدلًا ماليًا عنها، مدام فيها
+
+160
+00:18:01,910 --> 00:18:08,310
+منفعة، أو مدام فيها منفعة، ومدام الناس يستفيدون منها،
+
+161
+00:18:08,310 --> 00:18:13,190
+بأي شكل من أشكال الاستفادة. أخيرًا، يعني أقول،
+
+162
+00:18:13,190 --> 00:18:19,910
+المصلحة تقتضي… المصلحة، وديننا وشريعته وأحكامه مبنية
+
+163
+00:18:19,910 --> 00:18:25,350
+على المصالح، مبنية على مراعاة المصالح، ودرء المفاسد.
+
+164
+00:18:28,200 --> 00:18:34,760
+المصلحة تقتضي أن يأخذ المؤلف بدلًا ماليًا عن مؤلفه،
+
+165
+00:18:34,760 --> 00:18:42,760
+لأنه لو لم يأخذ، سيتوقف عن التأليف. لأنه شيء طبيعي،
+
+166
+00:18:42,760 --> 00:18:46
+
+223
+00:24:34,760 --> 00:24:39,400
+المسألة خطيرة، أولئك هم الذين لعنهم الله
+
+224
+00:24:39,400 --> 00:24:43,320
+وإذا كان هذا الفعل، ويقول أنا ما أُريدُ أن أكتمِ عاماً،
+
+225
+00:24:43,320 --> 00:24:48,900
+لكن فعل كذا يؤدي إلى الكتمان، فأنت تكون في زمرة من
+
+226
+00:24:48,900 --> 00:24:53,860
+طبق، أو انسحب عليهم لعنة الله سبحانه وتعالى، لأنك
+
+227
+00:24:53,860 --> 00:24:59,260
+كاتب أو متسبب في كتم العلم، وكلكم يعرف حديث رسول
+
+228
+00:24:59,260 --> 00:25:04,480
+الله صلى الله عليه وسلم: من سُئِلَ عن علمٍ فكَتَمَهُ، ألجمهُ
+
+229
+00:25:04,480 --> 00:25:11,490
+اللهُ يوم القيامة. أنت والله كأنّ الأصلَ
+
+230
+00:25:11,490 --> 00:25:15,650
+يعني كأنهم يريدون أن يقولوا أنّ الأصلَ أن تكونَ
+
+231
+00:25:15,650 --> 00:25:22,370
+العلوم متاحة ومباحة للجميع بلا قيد ولا شرط، وهذا
+
+232
+00:25:22,370 --> 00:25:30,110
+البدل المالي يُعتبر قيداً على نشر العلوم، يتسبب في
+
+233
+00:25:30,110 --> 00:25:36,370
+كتمان العلم عن كثير من الناس، ولذلك نحن نقول: أي
+
+234
+00:25:36,370 --> 00:25:42,710
+أصحاب هذا الرأي يقولون بمنع ذلك، يمنعون المؤلف، أنْ
+
+235
+00:25:42,710 --> 00:25:48,670
+تألف، بربكم الله فيكم، جِدّ تأليفك، مؤلِّفُك للناس، مدبِّر
+
+236
+00:25:48,670 --> 00:25:53,190
+حالِك، روح اشتغل شغلة ثانية، ولا حاجة، يعني بغض
+
+237
+00:25:53,190 --> 00:25:56,930
+النظر، أو هم، دعوني أقول، لكي أكون منصفاً لأصحاب
+
+238
+00:25:56,930 --> 00:26:03,150
+هذا الرأي، هم يفترضون أنّ المجتمع، أنّ الأمة، أنّ
+
+239
+00:26:03,150 --> 00:26:15,070
+الحكومة تتكفل بهؤلاء، تتكفل بهؤلاء العلماء، أما أنْ هم
+
+240
+00:26:15,070 --> 00:26:20,330
+يقوموا ببيعه، فهذا سيضيق الدائرة على العلم، ويكون
+
+241
+00:26:20,330 --> 00:26:29,790
+سبباً من أسباب الكتمان. هذا أولاً، ثانياً أنّ العلمَ أو
+
+242
+00:26:29,790 --> 00:26:36,580
+المؤلفات، يا إخوة، من العلم طبعاً، معروف، والعلم قربةٌ من
+
+243
+00:26:36,580 --> 00:26:45,320
+القربات، طاعةٌ من الطاعات، إيش هم بيقولوا دول؟ طيب
+
+244
+00:26:45,320 --> 00:26:51,760
+إذا العلمُ إيش؟ قربة؟ طيب وإذا كان قربةً، ماذا يعني
+
+245
+00:26:51,760 --> 00:26:55,520
+ذلك؟ والقرباتُ
+
+246
+00:26:57,210 --> 00:27:03,970
+لا أُجرَ ماليٌّ دُنياويٌّ عليها، القرباتُ إنما تأخذُ
+
+247
+00:27:03,970 --> 00:27:09,770
+أُجورَها من الله، أنتَ لما بتصلي ولا بتصوم ولا بتزكي
+
+248
+00:27:09,770 --> 00:27:15,370
+تاخذ أجرًا ماليًا من واحد؟ لا طبعاً، والعلم مثلها،
+
+249
+00:27:16,250 --> 00:27:21,850
+المؤلفات هذه قرباتٌ نحن مدعوّون إليها، يعني ربنا
+
+250
+00:27:21,850 --> 00:27:25,270
+سبحانه وتعالى في كثير من الآيات، حَبّ على العلمِ
+
+251
+00:27:25,270 --> 00:27:32,370
+والتعلم، واعتبره يعني من الغايات الأساسية في
+
+252
+00:27:32,370 --> 00:27:39,040
+الإسلام، وقربةً من القربات، فلذلك إحنا يعني شفنا
+
+253
+00:27:39,040 --> 00:27:41,120
+أصحاب رسول الله صلى الله عليه وسلم، جدّهم كانوا
+
+254
+00:27:41,120 --> 00:27:45,160
+مصاحبين للنبيّ، وملازمين من أجل أن يتعلّموا، وهم
+
+255
+00:27:45,160 --> 00:27:49,420
+قاموا بتعليم ما حفظوه عن رسول الله صلى الله عليه وسلم
+
+256
+00:27:49,420 --> 00:27:54,320
+للتابعين، هل أخذوا مقابل ذلك أجوراً من الناسِ؟
+
+257
+00:27:54,320 --> 00:27:58,480
+عندما كانوا يُعلّمونا حديث رسول الله صلى الله عليه وسلم،
+
+258
+00:27:58,480 --> 00:28:04,640
+عندما كانوا يُعلّمونا ما فهموه من تفسير القرآنِ
+
+259
+00:28:04,640 --> 00:28:07,980
+على لسان رسول الله صلى الله عليه وسلم، لم يأخذوا
+
+260
+00:28:07,980 --> 00:28:13,020
+شيئاً، لأنهم كانوا يعتبرون هذا قربةً، بل هو من أعظم
+
+261
+00:28:13,020 --> 00:28:18,400
+القربات إلى الله. كلكم ربما يذكر تلك القصة في عهدِ
+
+262
+00:28:18,400 --> 00:28:21,260
+رسول الله صلى الله عليه وسلم، عندما دخل المسجدَ فوجدَ
+
+263
+00:28:21,260 --> 00:28:27,220
+حلقةً، يعني يتدارسونَ
+
+264
+00:28:27,220 --> 00:28:35,240
+العلم، وناسٌ يعني يقرؤون، وناسٌ يصلّون، انتقل أو جلس معَ
+
+265
+00:28:35,240 --> 00:28:40,500
+الذين يتدارسون العلمَ، في إشارةٍ إلى أنّ مرتبة العلمِ
+
+266
+00:28:40,500 --> 00:28:47,480
+كقربةٍ وطاعةٍ هي من أعظم القربات، وأنّ هذه القربات هي
+
+267
+00:28:47,480 --> 00:28:52,600
+طاعاتٌ لله سبحانه وتعالى، أجرُها على الله، فلا يجوزُ أنْ
+
+268
+00:28:52,600 --> 00:28:59,400
+تُؤخذ بدلاً ماليّاً عن هذه. وجهة نظر، ربما سيكون لنا
+
+269
+00:28:59,400 --> 00:28:59,900
+تعليق
+
+270
+00:29:08,630 --> 00:29:13,750
+تأكيد على أنّه يعني العلمُ أجرُهُ على الله سبحانه
+
+271
+00:29:13,750 --> 00:29:20,910
+وتعالى، ويستمر الجميعُ. ثانياً أو ثالثاً من القضايا أو
+
+272
+00:29:20,910 --> 00:29:25,770
+الأدلة التي استدلّوا بها، قالوا
+
+273
+00:29:27,230 --> 00:29:32,650
+من الأدلة التي استدلّ بها المانعون، يعني دعوني
+
+274
+00:29:32,650 --> 00:29:38,770
+أقول: انتقلوا إلى مرحلة أخرى من الاستدلال، الأدلةُ
+
+275
+00:29:38,770 --> 00:29:44,110
+الأولى، الدليل الأول والثاني، دليلٌ على إيه؟ على المنعِ
+
+276
+00:29:45,220 --> 00:29:52,860
+بالتّداء على منع الأخذ، كأنّهم يقولونَ
+
+277
+00:29:52,860 --> 00:30:04,580
+سلمنا أنّه يجوزُ البيعُ، سلمنا أنّه يجوزُ البيعُ، لكن لا
+
+278
+00:30:04,580 --> 00:30:11,940
+يكون هذا الجواز ممتداً بامتداد عمر المؤلفِ
+
+279
+00:30:14,550 --> 00:30:20,490
+إحنا بنعرف يا إخوة، المؤلفون اليوم، الطبع الأولى،
+
+280
+00:30:20,490 --> 00:30:25,770
+الطبع الثانية، الطبع العاشرة، الطبع العشرون، وكلّ
+
+281
+00:30:25,770 --> 00:30:31,690
+الطبعات على حسابه، يعني بمعنى منفعتها له، هم
+
+282
+00:30:31,690 --> 00:30:36,390
+بيقولوا: يعني في الأول قالوا أنّ الأصلَ.. الأصلُ عدمُ
+
+283
+00:30:36,390 --> 00:30:41,530
+جواز البيعِ، كأنّهم يعني وجدوا في ذلك نوع ضعفٍ في
+
+284
+00:30:41,530 --> 00:30:44,950
+أدلّتهم، فقالوا: يا جماعة، طيب أقول لكم، حتّى لو سلمنا لكم
+
+285
+00:30:44,950 --> 00:30:50,690
+أنّه يجوزُ البيعُ والانتفاعُ، لكن لا يجوزُ.. لا نتصوّرُ
+
+286
+00:30:50,690 --> 00:30:55,890
+..لا نقبل أن يكون هذا البيع لهذا المؤلفِ، يعني على
+
+287
+00:30:55,890 --> 00:31:00,610
+مدار العمرِ، وللورثةِ من بعده، ابِيعوا الطبعَ
+
+288
+00:31:00,610 --> 00:31:08,210
+الأولى وبس، وبعدين، وبعدين، يعني من حق كلّ
+
+289
+00:31:08,210 --> 00:31:14,550
+من اشترى كتاباً أن يتصرفَ كيف يشاءُ بعد ما أخذ هو
+
+290
+00:31:14,550 --> 00:31:20,090
+لما طبعَ الطبعَ الأولى واستفاد منها، هو أخذ حقه، هم
+
+291
+00:31:20,090 --> 00:31:26,180
+بيعتبروا هيك أخذ حقه، ثمّ أنّ من باعَ، ومن اشترى
+
+292
+00:31:26,180 --> 00:31:34,140
+شيئاً فإنه يحقّ له أن يتصرف فيه كيف شاءَ، أنا اشتريتُ
+
+293
+00:31:34,140 --> 00:31:38,420
+الكتابَ، أخذهُ خلاص، مش أنا اشتريته ودفعت عشرين جُنيه،
+
+294
+00:31:38,420 --> 00:31:42,520
+حدّ يجي يحاسبني ليش نسخته، ولا ليش طبعته، ولا ليش كذا
+
+295
+00:31:42,520 --> 00:31:48,960
+ولا ليش وهبته، ولا ليش مزّقهُ، أصبحَ لهُ، كأيّ شيءٍ آخرَ
+
+296
+00:31:50,300 --> 00:31:55,820
+فهم بيقولوا يعني لا يتفقُ.. يريدون أن يقولوا.. يعني
+
+297
+00:31:55,820 --> 00:32:01,600
+لا يتفق أن تشتري المنتجَ
+
+298
+00:32:01,600 --> 00:32:09,890
+الفكريّ، ثمّ تُقيّد من إيه؟ من استغلالهِ، لا يستقيمُ، كأنّهم
+
+299
+00:32:09,890 --> 00:32:13,390
+بيقولوا لأصحاب الرأي الآخر، القائلين بالجوازِ: طيب
+
+300
+00:32:13,390 --> 00:32:17,390
+أنتَ بتقولوا يجوزُ بيعُهُ، طيب بهذهِ، سَلَّمنا لكم
+
+301
+00:32:17,390 --> 00:32:22,970
+بهذهِ المنتجَ، طيب اللي بيشتريه مش صار مالكاً لهُ، أنتَ
+
+302
+00:32:22,970 --> 00:32:28,970
+بتجري وراه وتقول له: ممنوعٌ ممنوعٌ ممنوعٌ، الآن افتح
+
+303
+00:32:28,970 --> 00:32:33,190
+الكتابَ، بتلاقي إيش؟ مش عارف، هذا موجودٌ في حقوق الطبعِ
+
+304
+00:32:33,190 --> 00:32:39,120
+المُحَفوظةِ، فقال إنّ صار أجرٌ وراه، وشُكِّلَ في القانونِ إيه؟
+
+305
+00:32:39,120 --> 00:32:45,480
+مؤسساتٌ يعني تُبحثُ وراه، وتعاقب من يعتدون، ومن
+
+306
+00:32:45,480 --> 00:32:49,980
+يطبعون، ومن ومن ومن، فهم بيقولوا: هذا مش مقبولٌ يا
+
+307
+00:32:49,980 --> 00:32:54,900
+عمي، البيعُ يعني الملكيّة التامة والمُؤبّدة، والتصرفِ
+
+308
+00:32:54,900 --> 00:33:01,530
+الشامِل، فلذلك يعني مش راكبَة، كأنّهم بيقولوا: مش
+
+309
+00:33:01,530 --> 00:33:06,950
+راكبةٌ أنْ تبيعوهُ، وبعدين تطالب بأيّ شيء أنتَ بتبيعهُ
+
+310
+00:33:06,950 --> 00:33:11,710
+خلاص، فقط ملكيّتك، الحاجة بتنتهي كم مرة يا جماعة
+
+311
+00:33:14,390 --> 00:33:20,230
+فهذه وجهة نظرهم، فلذلك هم يقولون: آه، يعني، فلذلك إذا
+
+312
+00:33:20,230 --> 00:33:25,410
+سلمنا أنّه يبيعهُ، نبيعهُ مرة، وبعد هيك خلاص أنتَ بعتَ
+
+313
+00:33:25,410 --> 00:33:31,550
+ملكيّتك، وبعد ذلك للآخرين الحقّ في أن يتصرفوا فيه زي
+
+314
+00:33:31,550 --> 00:33:34,670
+ما بدهم، وكيف ما يشاءونَ
+
+315
+00:33:38,830 --> 00:33:44,910
+رابعاً، هذا دليلٌ ثالث، دليلٌ رابع، القياس على حقّ
+
+316
+00:33:44,910 --> 00:33:49,490
+الشفعةِ، إحنا امْكَن في مرات سابقة يا إخوة، أشرنا إلى
+
+317
+00:33:49,490 --> 00:33:56,760
+حقّ الشفعةِ، كمثالٍ على الحقوق المعنويةِ، حقّ الشفعةِ، حقٌّ من
+
+318
+00:33:56,760 --> 00:34:01,820
+الحقوق المعنويةِ، يُقصدُ بهِ أولويةُ الجارِ في شراءِ
+
+319
+00:34:01,820 --> 00:34:09,380
+يعني إيه؟ ملكيّة جارهِ إذا أراد أن يبيعها، أنا عندي
+
+320
+00:34:09,380 --> 00:34:13,400
+أرضٌ ملاصقةٌ
+
+321
+00:34:13,400 --> 00:34:17,740
+لأرض جاري، وجاري بده يبيعها، أنا لي حقّ شرائها طبعاً
+
+322
+00:34:17,740 --> 00:34:23,380
+بسعرها، وبثمنها، هذه الحقّية تُسمّى حقّ الشفعةِ، هذا
+
+323
+00:34:23,380 --> 00:34:30,420
+النوع من الحقّ يُسمّى حقّ الشفعةِ، أثبتهُ الشرعُ للجارِ أو
+
+324
+00:34:30,420 --> 00:34:39,050
+لِلشريكِ من شركةٍ في مصنعٍ واحد، قال: ما بدّيش إياهُ مثلاً، بدّي
+
+325
+00:34:39,050 --> 00:34:42,790
+أطلع وأجيبُ.. بدّي أبيع حصّتي لفلانٍ، لا يا عمي أنا
+
+326
+00:34:42,790 --> 00:34:47,010
+بآخذها، أنا أو لا، تجيب لي واحد أنا ما بعرفه، أو
+
+327
+00:34:47,010 --> 00:34:51,250
+أنا ما بدّيش إياهُ، أو عاجِلٍ وعاجلِ مختلفاتٍ، لا أنا
+
+328
+00:34:51,250 --> 00:34:56,710
+باشتريها، لا، هذا حقّه، لمن أراد أن يبيعَ حصّتَه، وأن يبيعَ
+
+329
+00:34:56,710 --> 00:35:04,860
+كيف يشاءُ، ومن حقّ الشريكِ الآخرِ أنْ إيه؟ أنْ يتقدّمَ أو
+
+330
+00:35:04,860 --> 00:35:09,200
+يقول له: حقّ الأولويةِ في الشراءِ، لكن هذا الحقّ يا
+
+331
+00:35:09,200 --> 00:35:15,860
+إخوان، هذا الحقّ ليس حقّاً ابتدائيّاً، يعني، حقُّه في
+
+332
+00:35:15,860 --> 00:35:22,700
+الشراءِ لا يعني أنّه حصةٌ في شركةِ صاحبهِ، لا يعني أنّ أنا
+
+333
+00:35:22,700 --> 00:35:26,960
+.. أنّ أنا الذي لي حقٌّ في الشراءِ ل..ل..ل.. لمنزلِ
+
+334
+00:35:26,960 --> 00:35:31,360
+الذي جنبي، أنّ أنا الذي نصيبٌ فيه، لا، هو هذا الحقّ
+
+335
+00:35:31,360 --> 00:35:38,920
+أثبتهُ الشرعُ فقط دفعاً للضررِ، دفعاً للضررِ، بناءً على
+
+336
+00:35:38,920 --> 00:35:43,860
+قاعدةِ: لا ضررَ ولا ضرارَ في الإسلامِ، أنا عشان
+
+337
+00:35:43,860 --> 00:35:46,680
+ما يجيب لي واحد، ما يجيب لي الشريكُ تبعي أو الجارُ
+
+338
+00:35:46,680 --> 00:35:50,980
+تبعي، واحد أنا ما بعرفه، وقد يضرّني، إذا أنا بدّي آخذهُ
+
+339
+00:35:50,980 --> 00:35:57,800
+أنا أحقّ، الجارُ أحقّ بثقةٍ بهِ، يعني بالبيت الذي بدهُ
+
+340
+00:35:57,800 --> 00:36:03,890
+ينبِعُ جنبَهُ، الآن هذا الحقّ يا إخوة، لو أنا ما بدّيش أنا
+
+341
+00:36:03,890 --> 00:36:10,710
+كجارٍ يا عمّ، مرتاحٌ ومتّسعٌ، وجاري بده يبيعَ، فقال لي: إيش
+
+342
+00:36:10,710 --> 00:36:14,770
+رأيكَ؟ جاريٌّ أصيلٌ، وبيفهم في الأحكامِ، قال لي: أنا بدّي
+
+343
+00:36:14,770 --> 00:36:18,350
+أبيعَ، إيش رأيكَ أنتَ؟ حقّه، بيفهم أنّ إيه؟ لكَ حقٌّ شفعة، أبيعَ
+
+344
+00:36:18,350 --> 00:36:24,770
+قال لهُ: بِهِ، وتوكّل على اللهِ، هل..الآن هل يجوزُ لِـ
+
+345
+00:36:24,770 --> 00:36:32,240
+..ل..ل..للجار الآخرِ، أنّه لا..مش هتقول: أنا بدّي
+
+346
+00:36:32,240 --> 00:36:37,500
+بدلَ ما أنا سَكَتُ أو تَنازَلْتُ عن حقي في الشفعةِ، بدّي
+
+347
+00:36:37,500 --> 00:36:43,860
+ألفَ دينارٍ، لا يجوزُ، لأنّه أنتَ ما لكش ولا مسمارٍ، إحنا بسّ
+
+348
+00:36:43,860 --> 00:36:47,940
+من بعدِ، ندفعُ ضرراً عنكَ، إذا أنتَ لما بدّك تجيب دارَ جارٍ
+
+349
+00:36:47,940 --> 00:36:54,880
+مش هتضرّ، خلاص، اجعل مالك ضرر مالك ضرر، فلا يُفَوِّتُ لكَ
+
+350
+00:36:54,880 --> 00:37:02,280
+حقّهُ، هؤلاءُ هذا الفريق قالوا: يعني حقّ الشفعةِ من
+
+351
+00:37:02,280 --> 00:37:04,440
+الحقوق المعنويةِ
+
+352
+00:37:06,000 --> 00:37:11,900
+وحقّ التأليفِ، وحقّ التأليفِ من الحقوق المعنويةِ، وإذا
+
+353
+00:37:11,900 --> 00:37:18,900
+كان لا يجوزُ أخذُ
+
+354
+00:37:18,900 --> 00:37:26,640
+بدلاً ماليّاً عن التنازلِ عن حقّ الشفعةِ، فلا يجوزُ أخذُ بدلٍ
+
+355
+00:37:26,640 --> 00:37:32,740
+ماليّاً عن التنازلِ عن حقّ التأليفِ، بجامعةِ، بقاسٍ مُشتركٍ،
+
+356
+00:37:32,740 --> 00:37:39,400
+حقوق معنويةٍ، طبعاً هذا الكلام عليه ردٌّ برضه، يعني
+
+357
+00:37:39,400 --> 00:37:45,980
+ربما نؤجّله قليلاً، يعني بعد قليل، إذا القياس على حقّ
+
+358
+00:37:45,980 --> 00:37:52,620
+الشفعةِ، أخيراً قالوا
+
+359
+00:37:52,620 --> 00:37:57,200
+بأنّ استفادةَ
+
+360
+00:37:57,200 --> 00:38:05,900
+نعم، استفادةُ الناسِ من
+
+361
+00:38:06,810 --> 00:38:16,250
+الكتابِ المؤلفِ، خاصةً يعني بعدَ بيعِهِ للمرّة الأولى، يعني
+
+362
+00:38:16,250 --> 00:38:21,510
+قالوا: لا يُسبِّبُ خسارةً، يعني هم هذا استمرارٌ لمرحلةٍ
+
+363
+00:38:21,510 --> 00:38:25,290
+ثانية، هذا الدليلُ استمرارٌ لمرحلةٍ ثانيةٍ من مراحلِ
+
+364
+00:38:25,290 --> 00:38:29,910
+الاستدلالِ، قالوا: هم بعد ما باعوا أول مرة، قلنا
+
+365
+00:38:29,910 --> 00:38:37,230
+للأصلِ أنّه خلاص فقدَ حقه، بعدَ ذلكَ، فإحنا لو ردّينا عليهم
+
+366
+00:38:37,230 --> 00:38:41,690
+وقلنا: لأ، أنّه ما فقدش حقهُ، أو فقدَ، وصَارَ فيه جدلٌ في هذهِ
+
+367
+00:38:41,690 --> 00:38:50,510
+القضيّة، عندها يمكن أنْ يقولَ أنّه أينَ، على اعتبارِ..
+
+368
+00:38:50,510 --> 00:38:53,610
+على فرضنا أنّ أصحاب القول بالجوازِ قالوا أنّ هذا يا
+
+369
+00:38:53,610 --> 00:38:58,740
+عمّ، لا، قد لا يكفي، يعني قدْ الطبعَةُ الأولى قد لا تكفي
+
+370
+00:38:58,740 --> 00:39:05,040
+لتعويضِ الجهدِ الذي بُذِلَ لهُ، بل أحياناً بالمناسبةِ
+
+371
+00:39:05,040 --> 00:39:08,700
+الطبعَةُ الأولى ممكن يخسر فيها، وما تجيبش رأس مالها،
+
+372
+00:39:08,700 --> 00:39:13,080
+زي ما بقولهُ، فقط من أجرِ نشرِ الكتابِ، ويمكن الثانيةُ والثالثةُ
+
+373
+00:39:13,080 --> 00:39:18,780
+والرابعةُ دوبن يعوّضنَ الجهد، يبدي يبينُ..
+
+374
+00:39:18,780 --> 00:39:24,550
+فهم وجهة نظرهم يا أولاد، معكوسة، أو بمعنى آخر، بيقولوا
+
+375
+00:39:24,550 --> 00:39:28,150
+أنّه بعدَ بيعِ الطبعِ الأولى، أصلاً يكون حقّقَ
+
+376
+00:39:28,150 --> 00:39:34,430
+أرباحاً، وأخذَ يعني مقابلَ جهدهِ، وبعد ذلك يكون الربحُ
+
+377
+00:39:34,430 --> 00:39:40,870
+الذي لو قد أُجيز لهُ أنْ يبيعَ بعد ذلك، يكون الربحُ زائداً
+
+378
+00:39:40,870 --> 00:39:48
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/K5rj2J3gfy0_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/K5rj2J3gfy0_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..6d1c43afa3207c55e55e186bf51d2246590c3bea
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/K5rj2J3gfy0_raw.srt
@@ -0,0 +1,1680 @@
+1
+00:00:21,040 --> 00:00:25,980
+الحمد لله والصلاة والسلام على رسول الله وعلى آله
+
+2
+00:00:25,980 --> 00:00:31,460
+وصحبه ومن اهتدى بهده واستنى بصناته إلى يومه اللهم
+
+3
+00:00:31,460 --> 00:00:37,020
+إننا نسألك الهدى والتقى والعفافة والغنى وأن تعلمنا
+
+4
+00:00:37,020 --> 00:00:43,000
+ما ينفعنا وأن تنفعنا بما علمتنا وأن توفقنا لما تحب
+
+5
+00:00:43,000 --> 00:00:52,990
+وترضى وبعد نواصل حديثنا حولموضوع حق التأليف والذي
+
+6
+00:00:52,990 --> 00:00:58,490
+كنا قد ابتدأنا الحديثة فيه المرة الماضية بدءا
+
+7
+00:00:58,490 --> 00:01:06,430
+بالتعريف بحق التأليف في اللغة وفي الاصطلاح بعد
+
+8
+00:01:06,430 --> 00:01:11,650
+بياننا أنه يعتبر أي حق التأليف صورة من صور حقوق
+
+9
+00:01:11,650 --> 00:01:18,880
+الإبتكار بشكل عام ومن هنا كان المنطلقللحديث حول حق
+
+10
+00:01:18,880 --> 00:01:26,700
+التاليف في مدى اعتبار هذا الحق يجوز اخذ العائد
+
+11
+00:01:26,700 --> 00:01:33,940
+المالي او المادي عنه او لا وقد قلنا في المرة
+
+12
+00:01:33,940 --> 00:01:40,640
+الماضية انه تكاد تجتمع كلمة العلماء علماء المسلمين
+
+13
+00:01:40,640 --> 00:01:50,060
+وفقهائهم علىأنه يجوز أخذ الحق من حيث الجملة يجوز
+
+14
+00:01:50,060 --> 00:01:56,020
+أخذ الحق أو أخذ العائد المالي أو المادي من حيث
+
+15
+00:01:56,020 --> 00:02:04,740
+الجملة ولكنهم اختلفوا ربما في ذلك في بعض الحالات
+
+16
+00:02:04,740 --> 00:02:13,230
+عندما يكونوا أخذوا هذا الحقيتسبب عنه برر أكبر،
+
+17
+00:02:13,230 --> 00:02:18,630
+عندما يكون أخذ هذا العائد المادى، يتسبب عنه امتناع
+
+18
+00:02:18,630 --> 00:02:25,990
+للنشر للمؤلفات والمصنفات، والتي فيها بما لا يخفى
+
+19
+00:02:25,990 --> 00:02:32,170
+نفع لعامة المسلمينهنا في هذه الحالة يعني كان
+
+20
+00:02:32,170 --> 00:02:38,250
+الخلاف بين العلماء الذي بدأنا نورده أدلة كل فريق
+
+21
+00:02:38,250 --> 00:02:43,830
+منذ المرة الماضية لكن من حيث العصر احنا اكدنا انه
+
+22
+00:02:43,830 --> 00:02:49,810
+لا يمانع العلماء اجمالا على اختلاف توجهاتهم من اخذ
+
+23
+00:02:49,810 --> 00:02:55,430
+بدل مالي بغض النظر عن الطريقةسواء كان من خلال
+
+24
+00:02:55,430 --> 00:03:00,810
+رعاية الدولة أو المؤسسة وكفالة الحقوق الأساسية
+
+25
+00:03:00,810 --> 00:03:08,610
+والتكملية حتى للمؤلفين والعلماء أو من خلال بيع
+
+26
+00:03:08,610 --> 00:03:19,470
+المؤلف نفسه لمنتجه وأخذ الربح عن مقابل هذه المشاقة
+
+27
+00:03:19,470 --> 00:03:25,950
+على كل الأحوالأحنا كما قلت بدأنا نتحدث عن آراء
+
+28
+00:03:25,950 --> 00:03:31,850
+العلماء ورغم هذا الاختلاف في الحالة التي ذكرناها
+
+29
+00:03:31,850 --> 00:03:37,770
+إلا أننا رأينا أن جماهيرة فقهاء المسلمين من
+
+30
+00:03:37,770 --> 00:03:43,670
+العلماء المعاصرين على القول بجواز أخذ العائد
+
+31
+00:03:43,670 --> 00:03:50,970
+المالي عن حق التاليفوبغض النظر عن الطريقة سواء
+
+32
+00:03:50,970 --> 00:03:57,850
+تكفلت الدولة بذلك واعطته مرتبا او اعطته يعني
+
+33
+00:03:57,850 --> 00:04:05,510
+الاسئلات، الضروريات للبيل كمسكن وماكل ومشرب وإلى
+
+34
+00:04:05,510 --> 00:04:11,830
+غير ذلك او سواء قام هو بنفسه اللي لم تتكفله الدولة
+
+35
+00:04:11,830 --> 00:04:20,370
+او المؤسسة بالتصرف فيمنتجه هذا أو في مؤلفه هذا
+
+36
+00:04:20,370 --> 00:04:28,870
+وبيعه والانتفاع بالربح المتبقي له ليتكفل أمور نفسه
+
+37
+00:04:28,870 --> 00:04:37,270
+بنفسه فالجمهور العلمان لا إشكال لديهم على اعتبار
+
+38
+00:04:37,270 --> 00:04:48,210
+أن هذا المنتج هذا المؤلف يعني هو منتجههو أحق به،
+
+39
+00:04:48,210 --> 00:04:57,730
+هو نتاج جهده الفكري فإن كان تماما من منفعة متولدة
+
+40
+00:04:57,730 --> 00:05:04,810
+نتاج هذا التاليف أو الابتكار فهو أحق بها من غيرها
+
+41
+00:05:04,810 --> 00:05:10,590
+ولا بأس بعد ذلك أن ينتفع عامة الناس منه ويندفعوا
+
+42
+00:05:10,590 --> 00:05:17,080
+مقابلا يسيرايعني لأ بقى، ليه لأ؟ فالناس يعني مقابل
+
+43
+00:05:17,080 --> 00:05:21,700
+ما يأخذون من منافع أو ما يتبادلون من منافع إنما
+
+44
+00:05:21,700 --> 00:05:28,060
+يدفعوا كل واحد منهم للآخر شيئا، بسيطا أو غير بسيط
+
+45
+00:05:28,060 --> 00:05:34,380
+مش مشكلة، يعني تبادل المنافع يقضي تبادلالجهود
+
+46
+00:05:34,380 --> 00:05:41,620
+وتبادل الأموال ودفع الأثمان هذه فطرة الإنسان وهذا
+
+47
+00:05:41,620 --> 00:05:49,040
+عدل حقيقية ثم إنهم بعد ذلك أو قبله استدلوا بمجموعة
+
+48
+00:05:49,040 --> 00:05:54,120
+من الأدلة بدأنا نتحدث فيها المرة الماضية وربما
+
+49
+00:05:54,120 --> 00:06:02,980
+شاركتم أنتم في ذلكفي بيان هذه الأدلة بدءا من
+
+50
+00:06:02,980 --> 00:06:12,300
+الدليل العام المقرر في الشريعة الإسلامية والمتمثل
+
+51
+00:06:12,300 --> 00:06:19,640
+في أن الشريعة تحمل المسئولية لكل إنسان عما يصدر
+
+52
+00:06:19,640 --> 00:06:26,050
+عنه من قول أو عمل أو تصرفتحمل المسئولية سواء
+
+53
+00:06:26,050 --> 00:06:31,690
+المسئولية الإيجابية التي تقتضي أخذ المنفعة أو
+
+54
+00:06:31,690 --> 00:06:37,290
+المسئولية السلبية التي تقتضي المحاسبة والمعاقبة
+
+55
+00:06:37,290 --> 00:06:44,010
+الإنسان مسئول عن ما يصدر عنه إن خيرا فالأصل أن
+
+56
+00:06:44,010 --> 00:06:53,600
+يكافأ وإن شرا فالأصل أن يحاسب ويعاقبهذه مقررات،
+
+57
+00:06:53,600 --> 00:06:59,960
+هذه مبادئ في شريعتنا، ما ينفذ من قوله إلا لديه
+
+58
+00:06:59,960 --> 00:07:08,120
+رقيب عتيد، هو ليش يعني بيسجله، تسجيل عبثي؟ لأ، ليس
+
+59
+00:07:08,120 --> 00:07:13,300
+تسجيلا عبثيا، إنما تسجيلا لهما بعده من المحاسبة،
+
+60
+00:07:13,300 --> 00:07:22,090
+وإلا لما كان التسجيلأه ف .. فمن يعمل مثقعة ذرة
+
+61
+00:07:22,090 --> 00:07:29,110
+خيرة ياراهومن يعمل مثل قهلة درة شرا ياراه برضه. اه
+
+62
+00:07:29,110 --> 00:07:34,190
+فمبدأ الحساب والإيقاف يعني على ما يصدروا فهذا هذا
+
+63
+00:07:34,190 --> 00:07:40,510
+وهذه هذه يعني حتى وهذه دعنا نقول قاعدة هربوية. إن
+
+64
+00:07:40,510 --> 00:07:47,330
+لم يع إن علم الإنسان أنه سوف لا يحاسب ولا يعاقبولا
+
+65
+00:07:47,330 --> 00:07:52,610
+يُثاب على ما يصدر عنه من أفعال يعني إما .. يعني
+
+66
+00:07:52,610 --> 00:07:57,770
+إما سيكون الإنسان سلبيا يعني سلبيا من جانب الإيجاب
+
+67
+00:07:57,770 --> 00:08:00,910
+.. من جانب أفعال الخير مدام أفعال الخير هذه لا إلي
+
+68
+00:08:00,910 --> 00:08:05,790
+فيها لا في منفعة ولا في مردود مادي ولا أدبي ولا
+
+69
+00:08:05,790 --> 00:08:11,190
+غيره وكمان في المقابل إن كانت أفعال الشر لا حساب
+
+70
+00:08:11,190 --> 00:08:20,000
+عليها فإنها ستفرز لنا أشراراوستفرزه ان انا مجرمين،
+
+71
+00:08:20,000 --> 00:08:24,960
+وإلا لماذا كانت العقوبات ولماذا كانت المحاسبات في
+
+72
+00:08:24,960 --> 00:08:29,870
+كل الشرائع وفي كل القوانين؟لكن احنا شريعتنا تتميزت
+
+73
+00:08:29,870 --> 00:08:37,390
+ان الحساب والعقاب والثواب والمحاسب لم يقتصر على
+
+74
+00:08:37,390 --> 00:08:43,310
+المحاسبة الدنيوية فقط بل ايضا الأخروية لأن
+
+75
+00:08:43,310 --> 00:08:48,630
+المحاسبة الدنيوية لم تكن في يوم من الأيام محاسبة
+
+76
+00:08:48,630 --> 00:08:55,080
+شاملة او عادلة حقيقيةيعني بقدر ما يستطيعون، بحسب
+
+77
+00:08:55,080 --> 00:09:03,180
+الظاهر أو بحسب ما يتيسر، ولذلك لأن الله عز وجل هو
+
+78
+00:09:03,180 --> 00:09:08,960
+الحق والعدل فقد ترك المحاسبة الحقيقية والعادلة له
+
+79
+00:09:08,960 --> 00:09:15,400
+سبحانه وتعالى في الآخر على كل الأحوالنعود ولا
+
+80
+00:09:15,400 --> 00:09:23,900
+..والمؤلف هو أحد يعني إيه منتجات هذا الإنسان أو
+
+81
+00:09:23,900 --> 00:09:29,880
+تصرفات أو أقوال فلابد أن و هي فيها من الخير و
+
+82
+00:09:29,880 --> 00:09:36,700
+المنفعة فلابد إن كان فيها مردود فهو عولى بيه من ..
+
+83
+00:09:36,700 --> 00:09:42,830
+من .. من .. من ..من غيره فهذا يعني دليل اول اما
+
+84
+00:09:42,830 --> 00:09:49,410
+ايه الدليل الثاني قولنا قياسا على المنافع قياسا
+
+85
+00:09:49,410 --> 00:09:53,590
+على المنافع المعنوية لان الاموال يا اخويا اخويا
+
+86
+00:09:53,590 --> 00:10:01,970
+اخويا تنقسم الى قسمينمن حيثه هي أموال عينية
+
+87
+00:10:01,970 --> 00:10:07,130
+محسوسة، عينية، عينية، هذا الطاولة مال عيني، هذا
+
+88
+00:10:07,130 --> 00:10:12,910
+الكمبيوتر عيني، محسوس، مرئي، ملموس، و هناك منافع
+
+89
+00:10:14,480 --> 00:10:22,320
+المنافع شيء لا يحاز، شيء معنوي، لكن أنت مقابل أنك
+
+90
+00:10:22,320 --> 00:10:28,900
+تنتفع بها تدفع مالا، فلذلك تبرث من قبل الأموال،
+
+91
+00:10:28,900 --> 00:10:34,960
+أنت عندما تستجر سيارة لا تأخذ منها شيء، عندما
+
+92
+00:10:34,960 --> 00:10:39,560
+تستجر بيتا لا تأخذ منه شيء، ومع ذلك فإنك تدفع
+
+93
+00:10:39,560 --> 00:10:44,090
+المالانت ما تاخده فقط او ما تستفيده ولا تاخده هو
+
+94
+00:10:44,090 --> 00:10:51,490
+المنفعة فالمنفعة مقدرة مقيمة بالمال طيب أليس
+
+95
+00:10:51,490 --> 00:10:57,510
+المؤلف فيه منفعة أو من جملة المنافع يا سيدي اللي
+
+96
+00:10:57,510 --> 00:11:01,490
+لم يكن على رأسها؟
+
+97
+00:11:01,490 --> 00:11:10,400
+وأليس من واجبيمن ينتفع بيه، من ينتفع مقابل ذلك،
+
+98
+00:11:10,400 --> 00:11:15,520
+مقابل انتفاعه، انا طورت من مستوى الفكري والعلمي
+
+99
+00:11:15,520 --> 00:11:20,200
+والعقلي، انا استفدت، انا تفتحت إلى الأفاق، انا
+
+100
+00:11:20,200 --> 00:11:26,540
+تعلمت شغل بتفيدني في حياتي، انا انتفعت، فليس من
+
+101
+00:11:26,540 --> 00:11:34,050
+العقل والحقأن يدفع شيئًا ويكون محرمًا على صاحب هذا
+
+102
+00:11:34,050 --> 00:11:39,470
+المبتكر بعد ذلك أن يأخذ بدلاً عن ما قدم من منفعة
+
+103
+00:11:39,470 --> 00:11:46,290
+وخير لهذا .. للأمة أو لل .. للمجتمع إذا هي من جملة
+
+104
+00:11:46,290 --> 00:11:53,890
+المنافع التي لا بأس ولا مانعة من أخذ بدل مالي عنها
+
+105
+00:11:53,890 --> 00:11:58,890
+انظروا أيضًا يعني الشريعة الإسلامية أيها الإخوة
+
+106
+00:11:58,890 --> 00:12:07,750
+الكراميعني قيمت أو قدرت الأشياء المعنوية في غير
+
+107
+00:12:07,750 --> 00:12:12,650
+موبع بالمال يعني
+
+108
+00:12:12,650 --> 00:12:22,370
+مثلا المهور المهر المهر معروف ايش؟ مال اربع تلاف
+
+109
+00:12:22,370 --> 00:12:26,430
+دنار خمس تلاف دنار ست تلاف دنار ربنا ايش يرخص
+
+110
+00:12:26,430 --> 00:12:28,710
+المهور عشان يعني
+
+111
+00:12:31,850 --> 00:12:36,790
+لصح الأمور يعني إيه الزواج عليكم إن شاء الله طيب
+
+112
+00:12:36,790 --> 00:12:43,190
+لكن لحظوا في يوم من الأيام رجل عند النبي صلى الله
+
+113
+00:12:43,190 --> 00:12:49,970
+عليه وسلم لا يملك شيئا لا يملك إلا أنه يحفظ شيئا
+
+114
+00:12:49,970 --> 00:12:57,050
+من القرآن شيء معنوي فقال النبي صلى الله عليه وسلم
+
+115
+00:12:57,050 --> 00:13:04,060
+زوجتكها بما تحفظ من القرآنفكانه صلى الله عليه وسلم
+
+116
+00:13:04,060 --> 00:13:11,460
+في ذلك يشير إلى أن هذا الجانب الفكري والمعنوي يقدر
+
+117
+00:13:11,460 --> 00:13:20,760
+بالمال، ولا بأس من مبادلته بالمال، لا بأس تذكرون
+
+118
+00:13:20,760 --> 00:13:23,880
+موسى
+
+119
+00:13:23,880 --> 00:13:33,030
+مع شعايب؟شعيب مع .. شعيب مع .. مع موسى يا عزيزي،
+
+120
+00:13:33,030 --> 00:13:36,410
+اه يا أبا تستأجره؟ ان خير انا استأجرت القوية
+
+121
+00:13:36,410 --> 00:13:43,950
+الأمين وبعدين يعني نبينا شعيب زوج موسى اني اريد ان
+
+122
+00:13:43,950 --> 00:13:49,550
+انكحك احد زوجتي .. احد ابنتي اتين على ان تأجرني
+
+123
+00:13:49,550 --> 00:13:56,620
+شهد ثمانية حجرمش مش هو مش هيدفعله حاجة موسى لن
+
+124
+00:13:56,620 --> 00:14:03,380
+يدفعله شيئا وانما منفع استخدام اجارة اجارة فالمنفع
+
+125
+00:14:03,380 --> 00:14:11,140
+ايضا مقدرة بالمال و اعز مال المهر المهر يمكن ان
+
+126
+00:14:11,140 --> 00:14:17,100
+يكون منفع فاذا كان المهر و هو اعز ما يتملكه المرأة
+
+127
+00:14:17,100 --> 00:14:23,770
+يمكن ان يقوم باشياء معنويةفلمن لا يقيم كذلك هذا أو
+
+128
+00:14:23,770 --> 00:14:31,150
+لا يكون له مردودا معنويا لمردودا ماديا لصاحبهم
+
+129
+00:14:31,150 --> 00:14:38,770
+ثم إضافة إلى هذا وذاك شيء مهم جدا يعني حتى لمن لا
+
+130
+00:14:38,770 --> 00:14:44,290
+يقبلون كل هذه الأدلة هناك دليل يا أخواه يكيد يكون
+
+131
+00:14:44,290 --> 00:14:53,130
+دامغفي الآخر وفي الأول المنتج الفكري هذا وإن كان
+
+132
+00:14:53,130 --> 00:15:04,050
+شيئا معنويا أو ماديا أو فكريا لكنه نتاج جهد جسدي
+
+133
+00:15:04,050 --> 00:15:09,350
+جهد عقلي ينعكس على الجسد هو اللي بيألف كتاب مش
+
+134
+00:15:09,350 --> 00:15:16,340
+بيقعد أيام وشهور وربما سنين وهو ساهر ليلهقاضي
+
+135
+00:15:16,340 --> 00:15:23,700
+النهارة في القراءة والبحث والكتابة وإلى غير ذلك
+
+136
+00:15:23,700 --> 00:15:28,100
+هذا الجهد لا ينعكس على الجسم بال .. بال .. بال ..
+
+137
+00:15:28,100 --> 00:15:35,640
+بالتعب ويحتاج إلى أكل وشرب وإلى غير ذلك فهمه نيتاج
+
+138
+00:15:35,640 --> 00:15:42,500
+بالضبط زي اللي بيشتغل في أي شغل في الزراعة في
+
+139
+00:15:42,500 --> 00:15:48,580
+الصناعة ويأخذ أجراعن كل يوم يفعله، هذا أيضًا كل
+
+140
+00:15:48,580 --> 00:15:53,640
+يوم بيقدّم شيء أو يبتكر أو يكتب صفحة إلى أنقلنا في
+
+141
+00:15:53,640 --> 00:16:01,620
+هذا الكتابوما أتم هذا الكتاب حتى يعني بذل جهدا
+
+142
+00:16:01,620 --> 00:16:09,260
+جسديا حقيقة عقلي وجسدي مبنيا أرهقه يعني ولعل الجهد
+
+143
+00:16:09,260 --> 00:16:14,260
+الفكري ينعكس على الإرهاق على الجسد أكثر من الجهد
+
+144
+00:16:14,260 --> 00:16:21,520
+البتني طب يعني هل تنكر الجهود؟ هل يحرم من هذا
+
+145
+00:16:21,520 --> 00:16:29,500
+الجهد الفكري الجسدي؟يعني غير مقبول والله يعني أبدا
+
+146
+00:16:29,500 --> 00:16:40,560
+ف كسائر كسائر ما يبذله الإنسان من جهود ويأخذ عليها
+
+147
+00:16:40,560 --> 00:16:46,980
+بدل ينبغي أن يأخذ بدلا عن جهده الذي يبذله في تأليف
+
+148
+00:16:46,980 --> 00:16:55,430
+أو تصنيف كتابثم الغرف أيضًا قد جرى بذلك وقبل ذلك
+
+149
+00:16:55,430 --> 00:17:03,430
+والغرف كما قلنا في الشرع له اعتبار ثم يعني يؤيد
+
+150
+00:17:03,430 --> 00:17:08,850
+وأدى كله حديثه حديثه صلى الله عليه وسلم يعني الذي
+
+151
+00:17:08,850 --> 00:17:14,030
+قال فيه من سبق إلى ما لم يسبق إليه مسلم فهو حق به
+
+152
+00:17:14,030 --> 00:17:17,950
+وهو أيه المؤلف؟ سابق لأنه احنا قلنا في تعريف
+
+153
+00:17:17,950 --> 00:17:24,190
+التأليفمش أي صورة فكرية تعد تأليفا، بل لابد أن
+
+154
+00:17:24,190 --> 00:17:30,510
+تكون سباقة الفكرة، غير مسبوك فيها، فإن سبقاه أحد،
+
+155
+00:17:30,510 --> 00:17:37,050
+ليعده تأليفا وليس له حق بعد ذلك في أن يطالب بشيء
+
+156
+00:17:37,380 --> 00:17:44,320
+لكن مدامك قد سبقه إلى هذا التصنيف أو التأليف أو
+
+157
+00:17:44,320 --> 00:17:49,380
+الشرح أو الإيجاز أو الإبتكار أو الفن، الرسمة
+
+158
+00:17:49,380 --> 00:17:55,540
+الفنية أو حتى الأنشودة، الكلامية
+
+159
+00:17:55,540 --> 00:18:01,910
+أو ..فهو حق أن يأخذ بدلًا ماليًا عنها مدام فيها
+
+160
+00:18:01,910 --> 00:18:08,310
+منفعة أو مدام فيها منفعة ومدام الناس يستفيدون منها
+
+161
+00:18:08,310 --> 00:18:13,190
+بأي شكل من أشكال الاستفادة أخيرًا يعني أقول
+
+162
+00:18:13,190 --> 00:18:19,910
+المصلحة تقتضي المصلحة وديننا وشرائه وأحكامنا مبنية
+
+163
+00:18:19,910 --> 00:18:25,350
+على المصالح مبنية على مراعاة المصالح ودرء المفاسد
+
+164
+00:18:28,200 --> 00:18:34,760
+المصلحة تقتضي أن يأخذ المؤلف بدلا ماليا عن مؤلفه،
+
+165
+00:18:34,760 --> 00:18:42,760
+لأنه لو لم يأخذ، سيتوقف عن التأليفلأنه شئ طبيعي،
+
+166
+00:18:42,760 --> 00:18:46,640
+الإنسان بطبيعته يحتاج إلى المحفزات والمشجعات،
+
+167
+00:18:46,640 --> 00:18:54,640
+يحتاج إلى ما يعني يقيم أمور نفسه، يحتاج إلى مال،
+
+168
+00:18:54,640 --> 00:19:00,500
+إذا كان والله أنا أنفرض أو أعتقف للتأليف ومافيش أي
+
+169
+00:19:00,500 --> 00:19:08,270
+فايدةمن .. من .. من س ينفق على أولادي وعلى زوجتي،
+
+170
+00:19:08,270 --> 00:19:15,850
+من س يصلح لي بيتي، هذا بشكل طبيعي، يعني لو الواحد
+
+171
+00:19:15,850 --> 00:19:22,530
+بيشتغل شغل عاديةفيهم مرتب، مش مافيش، لكن المرتب لا
+
+172
+00:19:22,530 --> 00:19:27,710
+يكفي له، بسيبها، بروح يجور على غيرها، بديه يعيش في
+
+173
+00:19:27,710 --> 00:19:35,170
+الآخر، فالمصلحة تقتضي أن يوفر لهذا المؤلف بدلا
+
+174
+00:19:35,170 --> 00:19:42,430
+ماليا، حتى يعني أولا يغطي مصرفاته، وفي المقابل
+
+175
+00:19:42,430 --> 00:19:51,600
+احنا كمجتمع ننتفع بمؤلفاتهلأن حقيقة يعني نحن بحاجة
+
+176
+00:19:51,600 --> 00:19:55,760
+إلى مثل هذه العقول، لا نكون مثل معظم دولنا العربية
+
+177
+00:19:55,760 --> 00:20:00,160
+التي تعظم
+
+178
+00:20:00,160 --> 00:20:05,860
+الناس حقوقهم، التي تظلم أصحاب العقول، التي تتركهم
+
+179
+00:20:05,860 --> 00:20:13,680
+ولا تشجعهمفإما يعني يعملون أعمالا بدنية و إما
+
+180
+00:20:13,680 --> 00:20:18,220
+يهجرون بلادهم لتستقبلهم بلاد الأعداء و بلاد الغرب
+
+181
+00:20:18,220 --> 00:20:23,540
+هنا و هناك فتستفيد من أقولهم لتعود علينا بالضرر
+
+182
+00:20:25,970 --> 00:20:32,490
+فحقيقة المصلحة كلها يعني تنصبوا في ضرورة الاهتمام
+
+183
+00:20:32,490 --> 00:20:37,750
+بهؤلاء المؤلفين وتوفير واعطاهم كل البدلات واكثر
+
+184
+00:20:37,750 --> 00:20:42,990
+ويرضاهم لأن في عدم اعطائهم ضرر كبير والاحكام
+
+185
+00:20:42,990 --> 00:20:47,890
+تقوموا كما قلت على جلب المصالح ودافع المفسد
+
+186
+00:20:49,760 --> 00:20:59,500
+هذه ربما جملة ما استند إليه القائلون بجواز أخذ
+
+187
+00:20:59,500 --> 00:21:06,620
+العائد المالي عن حق التأليف فما هي يا تورا أدلة أو
+
+188
+00:21:06,620 --> 00:21:12,120
+وجهة نظر القائلين بمنع ذلك؟بمعنى ذلك احنا قلنا ان
+
+189
+00:21:12,120 --> 00:21:16,600
+هناك فريق حتى و ان قال لكن هناك من قال بأنه لا
+
+190
+00:21:16,600 --> 00:21:22,520
+يجوز و احنا قلنا قولهم هذا يعني ليس على اتواقه و
+
+191
+00:21:22,520 --> 00:21:27,180
+انما قولهم هذا لا يجوز يعني و كأنه من خلال كلامهم
+
+192
+00:21:27,180 --> 00:21:37,070
+من حيث كونه هذاالإيه؟ الفعل أو هذا الجواز
+
+193
+00:21:37,070 --> 00:21:41,510
+لهم أو هذا فتح الباب لإليها أولاد سيؤدي كما قلنا
+
+194
+00:21:41,510 --> 00:21:45,510
+إلى .. إيه؟ إلى منعي العلم ونشره من هذه الزاوية
+
+195
+00:21:45,510 --> 00:21:50,620
+وكأنهم يريدون القولأنه إذا كان البدل المالي لا
+
+196
+00:21:50,620 --> 00:21:55,640
+يؤدي إلى نشر إلى كتمان وتضييق العلم فلا بأس ومن
+
+197
+00:21:55,640 --> 00:22:01,620
+هنا قلنا بأن المبدأ العام في أخذ البدل المالي
+
+198
+00:22:01,620 --> 00:22:10,370
+لمحال اتفاقإذا ما هي وجهة نظر هؤلاء الذين يقولون
+
+199
+00:22:10,370 --> 00:22:18,910
+بأنه لا يجوز أخذ البدل المالي للمؤلفين عن مؤلفاتهم
+
+200
+00:22:18,910 --> 00:22:25,830
+الدليل الأول يا إخوة الدليل الأول على ذلك هو نفس
+
+201
+00:22:27,130 --> 00:22:34,530
+الدافع الذي من أجله قالوا بالمعنى وهو أن أخذ البدل
+
+202
+00:22:34,530 --> 00:22:42,590
+المالي يكون أو يصبح سببا أو قد يكون سببا من أسباب
+
+203
+00:22:42,590 --> 00:22:51,220
+كتمان العلم وضيق دائرةلأنك أنا عندما يعني أسمح
+
+204
+00:22:51,220 --> 00:22:59,820
+للمؤلف أن يأخذ بدلا ماليا بمعنى أن يبيع مؤلفه فإن
+
+205
+00:22:59,820 --> 00:23:07,340
+هذا سيضيقه إن لم يمنع الدائرة لأن مش كل الناس معها
+
+206
+00:23:07,340 --> 00:23:12,660
+تشتري الكتاب أو المؤلف خاصة إن مرات بيكون المؤلفات
+
+207
+00:23:12,660 --> 00:23:16,430
+يعني غالية جدا أحيانا يمكنلما نكون في أعداد كبيرة
+
+208
+00:23:16,430 --> 00:23:22,390
+برخص لكن في بعض الكتب والمؤلفات التي تتعلق
+
+209
+00:23:22,390 --> 00:23:26,270
+بالاختصاصيين أو إلى غير ذلك بتكون أسعارها غالية
+
+210
+00:23:26,270 --> 00:23:32,110
+على كل أحوال قالوا إنه ترك المجال للمؤلف أن يأخذ
+
+211
+00:23:32,110 --> 00:23:36,850
+البدل المالي وأن يبيع الكتاب كما يشاء كأي سلعة
+
+212
+00:23:36,850 --> 00:23:42,750
+أخرىفإن هذا يؤدي إلى كتمان العلم لأنه عدد كبير
+
+213
+00:23:42,750 --> 00:23:46,090
+يعني عن عدد كتمان العلم عن عدد كبير يعني القصد من
+
+214
+00:23:46,090 --> 00:23:52,550
+الناس وكتمان العلم حرام .. كتمان العلم حرام في
+
+215
+00:23:52,550 --> 00:23:57,490
+الشريع وما يؤدي إلى الحرامفهو حرام، هذه قاعدة. كما
+
+216
+00:23:57,490 --> 00:24:01,350
+أن ما يؤدي إلى الواجب يكون واجبا وما يؤدي إلى
+
+217
+00:24:01,350 --> 00:24:07,410
+الحرام فهو حرام. وربنا يقول إن الذين تهديد لأولئك
+
+218
+00:24:07,410 --> 00:24:13,060
+الذين يكتمونبشكل او باخر طبعا كل صورة اللي كتمنت
+
+219
+00:24:13,060 --> 00:24:19,960
+ان الذين يكتمون ما أنزلنا من البيناتي فكان من
+
+220
+00:24:19,960 --> 00:24:25,540
+البيناتي والهدى من بعد ما بيناه للناس شوفوا
+
+221
+00:24:25,540 --> 00:24:29,680
+التهديد كبير مش بسيط يا اخوة من بعد ما بيناه للناس
+
+222
+00:24:29,680 --> 00:24:34,760
+في الكتاب أولئك يلعنهم الله ويلعنهم اللعين يعني
+
+223
+00:24:34,760 --> 00:24:39,400
+المسألة خطيرةالمسألة خطيرة، أولئك هي اللعنهم الله
+
+224
+00:24:39,400 --> 00:24:43,320
+وإذا كان هذا الفعل ويقول أنا مابديش أكتمي عاما،
+
+225
+00:24:43,320 --> 00:24:48,900
+لكن فعل كذا يؤدي إلى الكتمان فانت تكون في زمرة من
+
+226
+00:24:48,900 --> 00:24:53,860
+طبق أو انسحب عليهم لعنة الله سبحانه وتعالى لأنك
+
+227
+00:24:53,860 --> 00:24:59,260
+كاتب أو متسبب في كتم الألم وكلكم يعرفوا حديثة رسول
+
+228
+00:24:59,260 --> 00:25:04,480
+الله صلى الله عليه وسلم منسؤلة عن علم فكتمه ألجمه
+
+229
+00:25:04,480 --> 00:25:11,490
+اللهلجهما من نار يوم القيامة انت والله كأن الأصلة
+
+230
+00:25:11,490 --> 00:25:15,650
+يعني كأنهم يريدون أن يقولوا أن الأصلة أن تكون
+
+231
+00:25:15,650 --> 00:25:22,370
+العلوم متاحة ومباحة للجميع بلا قيد ولا شرط وهذا
+
+232
+00:25:22,370 --> 00:25:30,110
+البدل المالي يعتبر قيداعلى نشر العلوم يتسبب في
+
+233
+00:25:30,110 --> 00:25:36,370
+كتماني العلمي عن كثير من الناس ولذلك نحن نقول أي
+
+234
+00:25:36,370 --> 00:25:42,710
+أصحاب هذا الرأي يقولون بمنع ذلك يمنعون المؤلف انت
+
+235
+00:25:42,710 --> 00:25:48,670
+ألفت برك الله فيكجدم تأليفك، مؤلفك للناس، مدبر
+
+236
+00:25:48,670 --> 00:25:53,190
+حالك، روح أشتغلك شغلة تانية، ولا حاجة، يعني بغض
+
+237
+00:25:53,190 --> 00:25:56,930
+النظر أو هم دعني أقول اللي كي أكون منصفا لأصحاب
+
+238
+00:25:56,930 --> 00:26:03,150
+هذا الرأي، هم يفترضون أن المجتمع، أن الأمة، أن
+
+239
+00:26:03,150 --> 00:26:15,070
+الحكومة تتكفل بهؤلاءتتكفل بأولاء العلماء أما أن هم
+
+240
+00:26:15,070 --> 00:26:20,330
+يقوموا ببيعه فهذا سيضيق الدائرة على العلم ويكون
+
+241
+00:26:20,330 --> 00:26:29,790
+سببا من أسباب الكتمال هذا أولا ثانيا أن العلم أو
+
+242
+00:26:29,790 --> 00:26:36,580
+المؤلفات يا إخوة من العلم طبعا عروفةوالعلم قربة من
+
+243
+00:26:36,580 --> 00:26:45,320
+القربات طاعة من الطاعات إيش هم بيقولوا دول؟ طيب
+
+244
+00:26:45,320 --> 00:26:51,760
+إذا العلم إيه؟ قربة؟ طيب وإذا كان قربة ماذا يعني
+
+245
+00:26:51,760 --> 00:26:55,520
+ذلك؟ والقربات
+
+246
+00:26:57,210 --> 00:27:03,970
+لا أجرة مالي ودنيا وعليها، القروبات إنما تأخذ
+
+247
+00:27:03,970 --> 00:27:09,770
+أجورها من الله، انت لما بتصلي ولا بتصوم ولا بتزكي
+
+248
+00:27:09,770 --> 00:27:15,370
+تاخد مدى المالي؟ من واحد؟ لأ طبعا، والعلم مثلها
+
+249
+00:27:16,250 --> 00:27:21,850
+المؤلفات هذه قربات نحن مدعونا إليها يعني ربنا
+
+250
+00:27:21,850 --> 00:27:25,270
+سبحانه وتعالى في كثير من الآيات حب على العلم
+
+251
+00:27:25,270 --> 00:27:32,370
+والتعلم واعتبره يعني من الغايات الأساسية في
+
+252
+00:27:32,370 --> 00:27:39,040
+الاسلاموقربة من القروبات فلذلك احنا يعني شوفته
+
+253
+00:27:39,040 --> 00:27:41,120
+اصحاب رسول الله صلى الله عليه و سلم جدش كانوا
+
+254
+00:27:41,120 --> 00:27:45,160
+مصاحبين للنبي و ملازمين من أجل أن يتعلموا و هم
+
+255
+00:27:45,160 --> 00:27:49,420
+قاموا بتعليم ما حفظوه عن رسول الله صلى الله عليه و
+
+256
+00:27:49,420 --> 00:27:54,320
+سلم للتابعين هل أخذوا مقابل ذلك أجورا من الناس
+
+257
+00:27:54,320 --> 00:27:58,480
+عندما كانوا يعلمونا حديث رسول الله صلى الله عليه و
+
+258
+00:27:58,480 --> 00:28:04,640
+سلم عندما كانوا يعلمونا ما فهموهم من تفسيريالقرآن
+
+259
+00:28:04,640 --> 00:28:07,980
+على لسان رسول الله صلى الله عليه وسلم لم يأخذه
+
+260
+00:28:07,980 --> 00:28:13,020
+شيئًا لأنهم كانوا يعتبرون هذا قربة بل هو من أعظم
+
+261
+00:28:13,020 --> 00:28:18,400
+القربات إلى الله كلكم ربما يذكر تلك القصة في عهد
+
+262
+00:28:18,400 --> 00:28:21,260
+رسول الله صلى الله عليه وسلم عندما دخل المسجد فوجد
+
+263
+00:28:21,260 --> 00:28:27,220
+حلقة يعني يتدرسون
+
+264
+00:28:27,220 --> 00:28:35,240
+العلم وناس يعني يقرؤون وناس يصلونانتقل أو جلس مع
+
+265
+00:28:35,240 --> 00:28:40,500
+الذين يتدرسون العلم في إشارة إلى أن مرتبة العلم
+
+266
+00:28:40,500 --> 00:28:47,480
+كقربة وطاعة هي من أعظم القربات وأن هذه القربات هي
+
+267
+00:28:47,480 --> 00:28:52,600
+طاعات لله سبحانه وتعالى أجرها على الله فلا يجوز أن
+
+268
+00:28:52,600 --> 00:28:59,400
+تُأخذ بدلا ماليا عن هذه وجهة نظر ربما سيكون لنا
+
+269
+00:28:59,400 --> 00:28:59,900
+تعليق
+
+270
+00:29:08,630 --> 00:29:13,750
+تأكيد على أنه يعني العلم أجره على الله سبحانه
+
+271
+00:29:13,750 --> 00:29:20,910
+وتعالى ويستمر جميعا ثانيا أو ثالثا من القضايا أو
+
+272
+00:29:20,910 --> 00:29:25,770
+الأدلة التي استدلوا بها قالوا
+
+273
+00:29:27,230 --> 00:29:32,650
+من الأدلة التي استدلت بها من المانعون يعني دعني
+
+274
+00:29:32,650 --> 00:29:38,770
+أقول انتقلوا إلى مرحلة أخرى من الاستدلال الأدلة
+
+275
+00:29:38,770 --> 00:29:44,110
+الأولى دليل الأول والثاني دليل على ايه على المنعي
+
+276
+00:29:45,220 --> 00:29:52,860
+بتداء على منع الأخذ كأن بهم يقولوا
+
+277
+00:29:52,860 --> 00:30:04,580
+سلمنا أنه يجوز البيع سلمنا أنه يجوز البيع لكن لا
+
+278
+00:30:04,580 --> 00:30:11,940
+يكون هذا الجواز ممتدا بامتداد عمر المؤلف
+
+279
+00:30:14,550 --> 00:30:20,490
+احنا بنعرف يا اخوة المؤلفين اليوم الطبع الأولى،
+
+280
+00:30:20,490 --> 00:30:25,770
+الطبع الثاني، الطبع العاشر، الطبع العشرين، وكل
+
+281
+00:30:25,770 --> 00:30:31,690
+الطبعات على حسابه، يعني بمعنى منفعتها إلههم
+
+282
+00:30:31,690 --> 00:30:36,390
+بيقولوا يعني في الأول قالوا أن الأصل .. الأصل عدم
+
+283
+00:30:36,390 --> 00:30:41,530
+جواز البيع كأنهم يعني وجدوا في ذلك نوع ضعف في
+
+284
+00:30:41,530 --> 00:30:44,950
+أدلتهم فقالوا يا جماعة طب أقولكوا حتى لو سلمنا لكم
+
+285
+00:30:44,950 --> 00:30:50,690
+أنه يجوزوا البيع والانتفاع لكن لا يجوز .. لا نتصور
+
+286
+00:30:50,690 --> 00:30:55,890
+.. لا نقبل أن يكون هذا البيع لهذا المؤلفيعني على
+
+287
+00:30:55,890 --> 00:31:00,610
+مدار العمر و للورقة حتى من بعده، ابيعوا البيئة
+
+288
+00:31:00,610 --> 00:31:08,210
+المرة الأولى و بس، و بعدين، و بعدين، يعني من حق كل
+
+289
+00:31:08,210 --> 00:31:14,550
+من اشترىكتابا ان يتصرف ايه كيف يشاء بعد ما اخد هو
+
+290
+00:31:14,550 --> 00:31:20,090
+لما طبع الطبع الاولى واستفاد منها هى اخد حقه هم
+
+291
+00:31:20,090 --> 00:31:26,180
+بيعتبروا هيك اخد حقه ثم ذلك انه باعهمومن اشترى
+
+292
+00:31:26,180 --> 00:31:34,140
+شيئًا فإنه يحق له أن يتصرف فيه كيف شاء، أنا اشتريت
+
+293
+00:31:34,140 --> 00:31:38,420
+الكتاب، خد إلي خلاص، مش أنا شريته ودفعت عشرين شكل،
+
+294
+00:31:38,420 --> 00:31:42,520
+حد ييجي يحسبني ليش نسخته ولا ليش طبعته ولا ليش كذا
+
+295
+00:31:42,520 --> 00:31:48,960
+ولا ليش وهبته ولا ليش مزعته، أصبح ليه، كأي شيء آخر
+
+296
+00:31:50,300 --> 00:31:55,820
+فهم بيقولوا يعني لا يتفق .. عايزين يقولوا .. يعني
+
+297
+00:31:55,820 --> 00:32:01,600
+لا يتفق أن تشتري المنتج
+
+298
+00:32:01,600 --> 00:32:09,890
+الفكري ثم تقيد من إيه؟ من استغلالهلا يستقيم كأنهم
+
+299
+00:32:09,890 --> 00:32:13,390
+بيقولوا لأصحاب الرأي الآخر القايلين بالجوازة طب
+
+300
+00:32:13,390 --> 00:32:17,390
+انت بتقولوا يا جوز بيعتوا طب بيهنا سلمنا اليكم
+
+301
+00:32:17,390 --> 00:32:22,970
+بيهنا المنتج طب اللي بيشتريه مش صار مالك إله انت
+
+302
+00:32:22,970 --> 00:32:28,970
+بتجروا وراه و تقولوله ممنوع ممنوع ممنوع الان افتح
+
+303
+00:32:28,970 --> 00:32:33,190
+الكتاب بتلاقي ايش مش عارف هذا موجود في حقوق الطبع
+
+304
+00:32:33,190 --> 00:32:39,120
+محفوظةفقال ان صار أجر وراه وشكلت في القانون ايه
+
+305
+00:32:39,120 --> 00:32:45,480
+مؤسسات يعني على تبحث وراه وتعاقب من يعتدون ومن
+
+306
+00:32:45,480 --> 00:32:49,980
+يطبعون ومن ومن ومن ومن فهم بيقولوا هذا مش مقبول يا
+
+307
+00:32:49,980 --> 00:32:54,900
+عمي البيع يعني الملكية التامة والمؤبدة وإتحاد
+
+308
+00:32:54,900 --> 00:33:01,530
+التصرف الشاملفلذلك يعني مش راكبة كإنهم بيقولوا مش
+
+309
+00:33:01,530 --> 00:33:06,950
+راكبة إنه تبيعوا و بعدين تطالب أي شيء أنت بتبيعه
+
+310
+00:33:06,950 --> 00:33:11,710
+خلاص فقط ملكيتك، الحاجة بتنبع كم مرة يا جماعة
+
+311
+00:33:14,390 --> 00:33:20,230
+فهذه وجهة نظرهم فلذلك هم يقولوا اه يعني فلذلك اذا
+
+312
+00:33:20,230 --> 00:33:25,410
+سلمنا ان ببيعه بنبيعه مرة و بعد هيك خلاص انت بيعت
+
+313
+00:33:25,410 --> 00:33:31,550
+ملكيتك و بعد ذلك للاخرين الحق في ان يتصرفوا فيه زي
+
+314
+00:33:31,550 --> 00:33:34,670
+ما بدهم و كيف ما يشاءون
+
+315
+00:33:38,830 --> 00:33:44,910
+رابعا هذا دليل ثالث، دليل رابع القياس على حق
+
+316
+00:33:44,910 --> 00:33:49,490
+الشفعة، احنا امكن في مرات سابقة يا اخوة أشرنا إلى
+
+317
+00:33:49,490 --> 00:33:56,760
+حق الشفعة كمثال على الحقوق المعنويةحق الشفعة حق من
+
+318
+00:33:56,760 --> 00:34:01,820
+الحقوق المعنوية يقصد بيه أولوية الجار في شرائه
+
+319
+00:34:01,820 --> 00:34:09,380
+يعني أيه ملكية جاره إذا أراد أن يبيعها أنا عندي
+
+320
+00:34:09,380 --> 00:34:13,400
+أرض ملاسقة
+
+321
+00:34:13,400 --> 00:34:17,740
+لأرض جاري و جاري بده يبيعها أنا حقبشرائها طبعا
+
+322
+00:34:17,740 --> 00:34:23,380
+بسعرها و بثمانيها هذه الحقية تسمى حق الشفعة هذا
+
+323
+00:34:23,380 --> 00:34:30,420
+النوع من الحق يسمى حق الشفعة أثبته الشرع للجار او
+
+324
+00:34:30,420 --> 00:34:39,050
+للشريك من شركة في مصنع واحد قال مابديشأه مثلا بدي
+
+325
+00:34:39,050 --> 00:34:42,790
+أطلع و أجيب .. بدي أبيع حصتي لفلان، لا يا عمي أنا
+
+326
+00:34:42,790 --> 00:34:47,010
+باخدها، انا او لا، اتجيبلي واحد انا مابعرفوش او
+
+327
+00:34:47,010 --> 00:34:51,250
+انا مابديشياه او عاجلي و عاجله مختلفات، لأ أنا
+
+328
+00:34:51,250 --> 00:34:56,710
+بشتريها، لا يا حقه لمن أراد أن يبيع حصته و أن يبيع
+
+329
+00:34:56,710 --> 00:35:04,860
+كيف يشاءومن حق الشريك الآخر ان ايه ان يتقدم او
+
+330
+00:35:04,860 --> 00:35:09,200
+يقول له حق الاولوية في الشراء لكن هذا الحق يا
+
+331
+00:35:09,200 --> 00:35:15,860
+اخوان هذا الحق ليس حقا ابتدائيا يعني حقش حقه في
+
+332
+00:35:15,860 --> 00:35:22,700
+الشراء لا يعني انه حصة في شركة صاحبهلا يعني ان انا
+
+333
+00:35:22,700 --> 00:35:26,960
+.. ان انا الي حق في الشراء ل .. ل .. ل .. لمنزل
+
+334
+00:35:26,960 --> 00:35:31,360
+اللي جنبي، ان انا الي نصيب فيه، لأ، هو هذا الحق
+
+335
+00:35:31,360 --> 00:35:38,920
+أثبته الشرع فقط دفعا للضرر، دفعا للضرربناء على
+
+336
+00:35:38,920 --> 00:35:43,860
+قائدة لا ضارة ولا ضرارة في الإسلام انا عشان
+
+337
+00:35:43,860 --> 00:35:46,680
+مايجيبليش واحد مايجيبليش الشريك تبعي او الجارة
+
+338
+00:35:46,680 --> 00:35:50,980
+تبعي واحد انا مابعرفوش و قد يضرني اذا انا بدي اخده
+
+339
+00:35:50,980 --> 00:35:57,800
+انا احق الجارة احقه بثقة دهن يعني بالبيت اللي بده
+
+340
+00:35:57,800 --> 00:36:03,890
+ينبع جنبهالان هذا الحق يا اخوة لو انا مابديش انا
+
+341
+00:36:03,890 --> 00:36:10,710
+كجار يا عم مرتاح ومتوسع و جاري بده يبيع فقاللي ايش
+
+342
+00:36:10,710 --> 00:36:14,770
+رايك جاري أصيل و بيفهم في الأحكام قاللي انا بده
+
+343
+00:36:14,770 --> 00:36:18,350
+أبيع ايش رايك انت حق بيفهم انه إيه لك حق شفها أبيع
+
+344
+00:36:18,350 --> 00:36:24,770
+قالله بيه واتوكل على الله هل .. الان هل يجوزوا ل
+
+345
+00:36:24,770 --> 00:36:32,240
+.. ل .. ل .. للجار الآخرانه لأ مش هتقول انا بدّي
+
+346
+00:36:32,240 --> 00:36:37,500
+بدل ما انا سكتت او اتنزلت عن حقي في الشفعة بدّي
+
+347
+00:36:37,500 --> 00:36:43,860
+الف دنار لا يجوز لأنه انت مالكش ولا مصمار احنا بس
+
+348
+00:36:43,860 --> 00:36:47,940
+من بعد افعل ضرر عنك اذا انت لما بدى اجيب دار جار
+
+349
+00:36:47,940 --> 00:36:54,880
+مش هتفضرر خلاص اجعل مالك ضرر مالك ضرر فلا يفوتولك
+
+350
+00:36:54,880 --> 00:37:02,280
+حقافهؤلاء هذا الفريق قالوا يعني حق الشفعة من
+
+351
+00:37:02,280 --> 00:37:04,440
+الحقوق المعنوية
+
+352
+00:37:06,000 --> 00:37:11,900
+وحق التأليف وحقه التأليف من الحقوق المعنوية وإذا
+
+353
+00:37:11,900 --> 00:37:18,900
+كان لا يجوزه أخذ
+
+354
+00:37:18,900 --> 00:37:26,640
+بدل مالي عن التنازل عن حق الشفعة فلا يجوزه أخذ بدل
+
+355
+00:37:26,640 --> 00:37:32,740
+مالي عن التنازل عن حق التأليف بجامعة بقاس مشترك
+
+356
+00:37:32,740 --> 00:37:39,400
+حقوق معنويةطبعا هذا الكلام في عليه رد برضه يعني
+
+357
+00:37:39,400 --> 00:37:45,980
+ربما نؤجله قليل يعني بعد قليل إذا القياس على حق
+
+358
+00:37:45,980 --> 00:37:52,620
+الشفعة أخيرا قالوا
+
+359
+00:37:52,620 --> 00:37:57,200
+بأن استفادت
+
+360
+00:37:57,200 --> 00:38:05,900
+نعم استفادت الناس من
+
+361
+00:38:06,810 --> 00:38:16,250
+الكتاب المؤلف خاصة يعني بعد بيعه للمرة الأولى يعني
+
+362
+00:38:16,250 --> 00:38:21,510
+قالوا لا يسببوا خسارة يعني هم هذا استمرار لمرحلة
+
+363
+00:38:21,510 --> 00:38:25,290
+ثانية هذا الدليل استمرار لمرحلة ثانية من مراحل
+
+364
+00:38:25,290 --> 00:38:29,910
+الاستدفال جالوا هم بعد ما باعوا أول مرة قولنا
+
+365
+00:38:29,910 --> 00:38:37,230
+للأصل انه خلاص فقد حقه بعد ذلكفاحنا لو ردنا عليهم
+
+366
+00:38:37,230 --> 00:38:41,690
+وقلنا لأ انه مافقدش حقه او فقد وصار فيه جدل في هذه
+
+367
+00:38:41,690 --> 00:38:50,510
+القضية عندها يمكن ان يقول انه اين على اعتبار ..
+
+368
+00:38:50,510 --> 00:38:53,610
+على فرضنا ان اصحاب القول بالجواز قالوا ان هذا يا
+
+369
+00:38:53,610 --> 00:38:58,740
+عم لأ قد لا يكفييعني قد الطابعة الأولى قد لا تكفي
+
+370
+00:38:58,740 --> 00:39:05,040
+لتعويض الجهد الذي بدى له بل أحيانا بالمناسبة
+
+371
+00:39:05,040 --> 00:39:08,700
+الطابعة الأولى ممكن يخسر فيها وماتجيبش رأس مالها
+
+372
+00:39:08,700 --> 00:39:13,080
+زى ما بقوله فقط من أجر نشر الكتاب ويمكن التانية و
+
+373
+00:39:13,080 --> 00:39:18,780
+التالتة و الرابعة دوبن يعوضن الكذب يبدى يبين ..
+
+374
+00:39:18,780 --> 00:39:24,550
+فهم وجهة نظرهم يا أولىمعكوسة او بمعنى اخر بيقولوا
+
+375
+00:39:24,550 --> 00:39:28,150
+انه بعد طب البيع الطبع الاولى الاصلا يكون حقق
+
+376
+00:39:28,150 --> 00:39:34,430
+ارباحا واخد يعني مقابل جهده وبعد ذلك يكون الربح
+
+377
+00:39:34,430 --> 00:39:40,870
+اللى لو قد اجازله ان يبيع بعد ذلك يكون الربح زائدا
+
+378
+00:39:40,870 --> 00:39:48,850
+ومضاعفا عن قيمة الجهد وتقدير الجهد اللى بدى له
+
+379
+00:39:50,370 --> 00:39:57,130
+وبالتالي يكون في ذلك ربما نوع من الظلم للناس في
+
+380
+00:39:57,130 --> 00:40:04,190
+أنهم يعني إيه في كل مرة يريدون
+
+381
+00:40:04,190 --> 00:40:08,530
+في كل مرة يدفعون الثمن وربما أكثر من الثمن فالثمن
+
+382
+00:40:08,530 --> 00:40:14,410
+صار يدفع أكتر من المرة هذا من جهة ثم من جهة أخرى
+
+383
+00:40:14,410 --> 00:40:24,420
+إن السماح لمن اشتر الكتابأول مرة بأن يتصرف فيه كيف
+
+384
+00:40:24,420 --> 00:40:29,900
+شاء بده يطبعه مش هذه نظرية القائل المانعين أنه إذا
+
+385
+00:40:29,900 --> 00:40:35,280
+اشترى ملك وإذا ملك حق له أن يتصرف أداعا واشراعا
+
+386
+00:40:35,280 --> 00:40:42,720
+وطباعة حتى وناشرا يعني كأننا بدنا نقولهم كيف يعني
+
+387
+00:40:42,720 --> 00:40:49,850
+يحق له أن يتصرف طباعة وناشرا أليس هو الأحقصاحبه
+
+388
+00:40:49,850 --> 00:40:54,110
+فهم يقولوا صحيح حتى وإن كان الأحق لكن بعد أن بيع
+
+389
+00:40:54,110 --> 00:41:01,070
+باعهوإن بيعهم لهو بيع الناس للناس الذين اشتروا
+
+390
+00:41:01,070 --> 00:41:05,730
+الكتاب بيعهم لهذا الكتاب لا يسببوا خسارة لهو لا
+
+391
+00:41:05,730 --> 00:41:09,910
+يعودوا بالضرر عليه إذا أنتم كنتم مسكونة في قعدة
+
+392
+00:41:09,910 --> 00:41:15,470
+المصالح والمفاسد ودفع الضرر لا يشكلوا ضررا لهو كل
+
+393
+00:41:15,470 --> 00:41:20,370
+ما في الأمر أن هو ترك الأمر لهو بأن يأخذ بدلا
+
+394
+00:41:20,370 --> 00:41:27,360
+ماليا في كل مرة سيزيد من أرباحه فقطأما إنه إذا ترك
+
+395
+00:41:27,360 --> 00:41:32,820
+الأمر للناس الآخرين بعد أن اشتروا، يعني هذا ربما
+
+396
+00:41:32,820 --> 00:41:39,920
+يوسع العلم، دائرة العلم أكثر، ولن يؤدي عليه إليه
+
+397
+00:41:39,920 --> 00:41:45,080
+بالضرر، وإنما فقط سيؤدي إلى تقليل حجم الربح أو
+
+398
+00:41:45,080 --> 00:41:51,470
+تقليل من هذا ال ..على كل الأحوال هذه ربما مجمل
+
+399
+00:41:51,470 --> 00:41:59,230
+أدلة من قال ب .. بمنع ال .. ال .. ال .. ال .. بمنع
+
+400
+00:41:59,230 --> 00:42:06,330
+اخذ العائد المالي عن الحقوق .. حقوق التأليف أو
+
+401
+00:42:06,330 --> 00:42:13,850
+حقوق الإبتكار خلينا نشوف الآن يا إخوة بس
+
+402
+00:42:13,850 --> 00:42:15,430
+شوية شوية بدري لسه بدري
+
+403
+00:42:18,250 --> 00:42:24,030
+خلّينا .. بس ولو في نقطة، الآن ..
+
+404
+00:42:26,030 --> 00:42:32,630
+ما هي او خلينا نظرنا الى ادلة هذا الفريق ونظرنا
+
+405
+00:42:32,630 --> 00:42:37,450
+الى ادلة هذا الفريق ايها الراجح الحقيقة يا اخوان
+
+406
+00:42:37,450 --> 00:42:44,110
+لبما من الواضح يعني ليه من استمع او قرأ او اتطلع
+
+407
+00:42:44,110 --> 00:42:50,320
+على ادلة الفريقين واضح ان ادلة الفريق الاوليعني
+
+408
+00:42:50,320 --> 00:42:58,400
+واضحة و راجحة و قوية و موافقة لمبادئ الشريعة و
+
+409
+00:42:58,400 --> 00:43:02,900
+قواعدها و للمصالح و يعني كل الأدلة اللي جابوها
+
+410
+00:43:02,900 --> 00:43:09,000
+حقيقة يعني منطقية و شرعية و واقعية و عادلة
+
+411
+00:43:12,400 --> 00:43:17,400
+فماذا عن أدلة الآخرين؟ أدلة الآخرين تبدو حقيقة
+
+412
+00:43:17,400 --> 00:43:21,360
+يعني قد يقول والله واحد والله كمان أنا شايف أن
+
+413
+00:43:21,360 --> 00:43:26,720
+أدلة الآخرين فيها يعني من المنطقية وفيها من
+
+414
+00:43:26,720 --> 00:43:32,340
+الناحية الشرعية يعني باعتبار أنه بتسبب لكتمان
+
+415
+00:43:32,340 --> 00:43:37,780
+العلم وباعتبار أنها قربة من القربات وباعتبار عملية
+
+416
+00:43:37,780 --> 00:43:41,620
+البيع الأصل أن يكون تملك ومتملك يعني في إيها وجهة
+
+417
+00:43:41,620 --> 00:43:48,960
+نظرفكيف يمكن أن نناقش ونرد على هذه الأدلة بحيث
+
+418
+00:43:48,960 --> 00:43:57,080
+يعني يصبح الرأي الأول أو هو المترجح وهو الذي
+
+419
+00:43:57,080 --> 00:44:02,240
+تطمئنه إليه النفس ربما هذا ما سنحاول المرة القادمة
+
+420
+00:44:02,240 --> 00:44:04,400
+ان شاء الله معرفته شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4.srt
new file mode 100644
index 0000000000000000000000000000000000000000..8fffac59e593848058225e8f768deb13d91a15bb
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4.srt
@@ -0,0 +1,1227 @@
+1
+00:00:21,080 --> 00:00:25,700
+بسم الله الرحمن الرحيم الحمد
+
+2
+00:00:25,700 --> 00:00:29,360
+لله رب العالمين والصلاة والسلام على أشرف المرسلين
+
+3
+00:00:29,360 --> 00:00:35,320
+محمد صلى الله عليه وسلم وعلى آله وصحبه ومن احتدى
+
+4
+00:00:35,320 --> 00:00:39,760
+بهديه واستنى بسنته إلى يوم الدين اللهم إنا نسألك
+
+5
+00:00:39,760 --> 00:00:45,380
+الهدى والتقى والعفاف والغنى وأن تعلمنا ما ينفعنا
+
+6
+00:00:45,380 --> 00:00:50,500
+وأن تنفعنا بما علمتنا وأن تيسر لنا أمورنا وأن تشرح
+
+7
+00:00:50,500 --> 00:00:55,120
+لنا صدورنا وتهدينا لما فيه الخير يا رب العالمين
+
+8
+00:00:55,120 --> 00:01:02,560
+وبعد أيها الأخوة الكرام نواصل حديثنا في أو عن
+
+9
+00:01:02,560 --> 00:01:09,180
+المرابحة المصرفية والتي كنا وعلى مدار محاضرات ربما
+
+10
+00:01:09,180 --> 00:01:15,660
+عديدة تحدثنا فيها بداية من الحديث عن المرابحة
+
+11
+00:01:15,660 --> 00:01:20,700
+العادية التي هي أساس المرابحة
+
+12
+00:01:20,700 --> 00:01:28,500
+المصرفية، واصلنا ثم بعد ذلك تحدثنا عن المرابحة
+
+13
+00:01:28,500 --> 00:01:36,640
+المصرفية من حيث بيان حقيقتها والفرق بينها وبين
+
+14
+00:01:36,640 --> 00:01:44,020
+المرابحة العادية والخطوات التي تتم بها وصولاً إلى
+
+15
+00:01:44,020 --> 00:01:52,400
+بيان أقوال العلماء وآرائهم في المرابحة المصرفية، و
+
+16
+00:01:52,400 --> 00:01:59,150
+كنا قد انتهينا من الحديث عن هذا الأمر بمعنى ذكرنا
+
+17
+00:01:59,150 --> 00:02:06,050
+أدلة أو ذكرنا الأقوال والأدلة وعرفنا أن العلماء
+
+18
+00:02:06,050 --> 00:02:06,850
+المعاصرين
+
+19
+00:02:09,350 --> 00:02:17,410
+قد اختلفوا في حكم هذه المسألة أو حكم هذه المعاملة
+
+20
+00:02:17,410 --> 00:02:25,750
+على رأيين أو على قولين، قول يجيز التعامل بهذه
+
+21
+00:02:25,750 --> 00:02:34,610
+المعاملة ويدرجها ضمن المعاملات الجائزة وهو رأي
+
+22
+00:02:34,610 --> 00:02:40,110
+الجمهور، وقول آخر منع التعامل بهذه المعاملة
+
+23
+00:02:40,110 --> 00:02:43,250
+واعتبرها من المعاملات المحرمة.
+
+24
+00:02:45,710 --> 00:02:51,710
+القول الذي قال بالجواز اعتمد على أدلة أن الأصل في
+
+25
+00:02:51,710 --> 00:02:57,390
+المعاملات الإباحة، أن الأصل عموم حل البيعة كما ورد
+
+26
+00:02:57,390 --> 00:03:00,890
+في كتاب الله وسنة رسول الله صلى الله عليه وسلم، أن
+
+27
+00:03:00,890 --> 00:03:05,810
+المعاملات في الجملة ترعى المصالح وهذه كذلك أن
+
+28
+00:03:05,810 --> 00:03:10,690
+المعاملات في الجملة تيسر على الناس وهذه كذلك، فكل
+
+29
+00:03:10,690 --> 00:03:19,160
+الأدلة تعاضدت للتدليل على صحة وجواز هذه المعاملة
+
+30
+00:03:19,160 --> 00:03:23,500
+في نظرهم، ومن هنا خرجوا بالقول بأن المرابحة
+
+31
+00:03:23,500 --> 00:03:31,000
+المصرفية جائزة، لكن فريق آخر رأيناه لم يوافق هذا
+
+32
+00:03:31,000 --> 00:03:37,020
+الفريق ولم يقتنع بما ساقه من أدلة وقال بالتحريم
+
+33
+00:03:37,020 --> 00:03:43,120
+واعتمد أدلة متعددة أو استند إلى أدلة قال إن هذه
+
+34
+00:03:43,120 --> 00:03:50,460
+حيلة للتوصل أو للتعامل بالربا، قال إن هذه معاملة لم
+
+35
+00:03:50,460 --> 00:03:54,720
+يقل بحلها أحد من العلماء السابقين حتى نستند إلى
+
+36
+00:03:54,720 --> 00:04:02,470
+حلها، قالوا إن هذه المعاملة هي بيعان في بيع، وقد
+
+37
+00:04:02,470 --> 00:04:06,770
+نهى رسول الله صلى الله عليه وسلم عن ذلك صراحة.
+
+38
+00:04:06,770 --> 00:04:13,290
+قالوا أيضاً بأن هذه المعاملة تتضمن
+
+39
+00:04:15,810 --> 00:04:21,350
+البائع أو الذي هو البنك ما لا يملك، وقد نهى كذلك
+
+40
+00:04:21,350 --> 00:04:24,550
+رسول الله صلى الله عليه وسلم عن بيع ما لا يملك.
+
+41
+00:04:24,550 --> 00:04:30,870
+قالوا بأن هذه المعاملة مبنية على أساس لزوم أو
+
+42
+00:04:30,870 --> 00:04:36,910
+إلزام الوفاء بالوعد، وهذا ما لم يقل به جمهور علماء
+
+43
+00:04:36,910 --> 00:04:38,710
+المسلمين.
+
+44
+00:04:40,070 --> 00:04:48,130
+أدلة فيها من المنطقية، أدلة تستند إلى نصوص وتستند
+
+45
+00:04:48,130 --> 00:04:55,250
+إلى وقائع جعلتنا في حيرة من أمرنا.
+
+46
+00:04:58,070 --> 00:05:05,090
+تحتاج إلى نظر، هنا فريق يقول بالجواز له أدلته
+
+47
+00:05:05,090 --> 00:05:11,970
+القوية، هنا فريق يقول بالمنع له أدلته، من الراجح من
+
+48
+00:05:11,970 --> 00:05:16,410
+بين هذه الأقوال؟
+
+49
+00:05:18,450 --> 00:05:22,790
+الحقيقة أيها الأخوة لمعرفة الراجح يستدعي الأمر
+
+50
+00:05:22,790 --> 00:05:28,490
+مناقشة الأدلة، أدلة كل فريق قبل أن يعني العلماء قبل
+
+51
+00:05:28,490 --> 00:05:35,390
+أن يرجحوا، يناقشوا وينظروا، وبعد ذلك أيّة الأدلة التي
+
+52
+00:05:35,390 --> 00:05:41,510
+تترجح لديهم أو تظهر قوتها يرجحونها.
+
+53
+00:05:43,300 --> 00:05:51,880
+الآن أيها الأخوة الكرام عندما نظر العلماء
+
+54
+00:05:51,880 --> 00:05:59,300
+خلينا نقول الذين لم يكن لهم ضلع في معاداة الفريق أو
+
+55
+00:05:59,300 --> 00:06:05,900
+ذاك، الآن علماء خلينا نسميهم محايدين، كالكاتب الذي
+
+56
+00:06:05,900 --> 00:06:10,460
+بين يدينا وغيره، يعني نظروا في أدلة هؤلاء وأولئك
+
+57
+00:06:10,460 --> 00:06:17,720
+ليرجحوا، لنظروا في أدلة القائلين بالجواز، يعني لو
+
+58
+00:06:17,720 --> 00:06:22,400
+نظرنا في أدلة القائلين بالجواز سنجد أنها عبارة
+
+59
+00:06:22,400 --> 00:06:31,040
+عن إما قواعد غير قابلة للنقد،
+
+60
+00:06:31,040 --> 00:06:37,080
+قواعد أصلية، الأصل في المعاملات الإباحة ما لم يرد
+
+61
+00:06:37,080 --> 00:06:43,830
+محرم ولم يرد كذلك أو نصوص قرآنية، وأحكام، البائع
+
+62
+00:06:43,830 --> 00:06:49,250
+البايع بقول الاستغراق هذه، وقول العموم يستغرق كل
+
+63
+00:06:49,250 --> 00:06:54,410
+صور البائع وهذه صورة منها بالإضافة إلى قواعد
+
+64
+00:06:54,410 --> 00:06:58,330
+المصالح والتيسير التي لها أصل في كتاب الله وفي سنة
+
+65
+00:06:58,330 --> 00:07:04,130
+رسول الله صلى الله عليه وسلم، فلم يجدوا ما يعني ما
+
+66
+00:07:04,130 --> 00:07:10,690
+يناقشون به هذه أو ما يعترضون به على هذه الأدلة.
+
+67
+00:07:11,340 --> 00:07:19,520
+فبدأت معالم الترجيح تميل إلى كفة الجواز بعد
+
+68
+00:07:19,520 --> 00:07:23,460
+النظر إلى أدلة القائلين بالجواز، لكن هذا لا يكفي
+
+69
+00:07:23,460 --> 00:07:29,840
+حتى ننظر إلى أدلة القائلين بالمنع.
+
+70
+00:07:29,840 --> 00:07:38,360
+عندما نظروا إلى أدلة القائلين بالمنع وجدوا أمرين
+
+71
+00:07:39,220 --> 00:07:44,440
+يعني الأول ما أستطيع أن أسميه إجمالياً أو وقفوا على
+
+72
+00:07:44,440 --> 00:07:49,460
+أمرين، أمر إجمالي حول الأدلة كلها، وأمر يتعلق بكل
+
+73
+00:07:49,460 --> 00:07:55,780
+دليل على حدة، الأمر الإجمالي وجهة نظرهم فوجدوا أن
+
+74
+00:07:55,780 --> 00:08:00,780
+هذه الأدلة عبارة عن أدلة جزئية، هناك أدلة كلية،
+
+75
+00:08:00,780 --> 00:08:09,620
+قواعد، ثم إنها في الجملة قابلة للتأويل وليست أدلة
+
+76
+00:08:09,620 --> 00:08:14,280
+قاطعة متفق عليها، الجزئيات الأدلة التي يستدلون بها
+
+77
+00:08:14,280 --> 00:08:22,330
+في الجملة يعني جزئية، ثم إما أن تكون مختلف فيها أو
+
+78
+00:08:22,330 --> 00:08:30,630
+قابلة للتأويل والنظر، ومثل هذه الأدلة أو مثل تلك
+
+79
+00:08:30,630 --> 00:08:37,030
+الأدلة ما تصلح أن تكون دليلاً قاطعاً للقول أو
+
+80
+00:08:37,030 --> 00:08:42,750
+مرجحاً للقول بالحل أو بالحرمة. الآن بدأت تترجح أكثر وأكثر
+
+81
+00:08:42,750 --> 00:08:49,330
+كفة القول بالجواز بعد هذا. أما على التفصيل، أما
+
+82
+00:08:49,330 --> 00:08:54,110
+إذا عرضنا أن نفصل قالوا تعالوا لنؤكد ما قلناه نحن
+
+83
+00:08:54,110 --> 00:08:58,170
+من خلال نظرية جملة، لقنا أنها جزئية وأنها هذه
+
+84
+00:08:58,170 --> 00:09:02,890
+أدلتكم أيها المانعون أدلة جزئية وأدلة كما قلت
+
+85
+00:09:02,890 --> 00:09:10,850
+قابلة للنظر قابلة للتأويل وليست طريقة استخدامكم بها
+
+86
+00:09:10,850 --> 00:09:17,070
+هي الطريقة المتفق عليها أو المقتضى بها، ربما تكون
+
+87
+00:09:17,070 --> 00:09:24,130
+هناك وجهة نظر أخرى، تعالوا نشوف، أما قولكم بأن هذه..
+
+88
+00:09:24,130 --> 00:09:29,350
+أنتم قلتم المانعون قالوا بأن هذه حيلة للتعامل
+
+89
+00:09:29,350 --> 00:09:35,890
+بالربا، مش هيك؟ أول دليل سندكم له؟ أو بمعنى آخر
+
+90
+00:09:35,890 --> 00:09:41,460
+أنهم اعتبروا أن المرابحة المصرفية صورة من صور الربا
+
+91
+00:09:41,460 --> 00:09:45,180
+أو صورة من صور الوصول أو التحايل، لكن صورة غير
+
+92
+00:09:45,180 --> 00:09:51,360
+مباشرة، صورة غير مباشرة، ويعني هما قالوا يعني
+
+93
+00:09:51,360 --> 00:09:55,300
+مباشرة أو غير مباشرة، ولو أن.. والصلاة اعتبروها
+
+94
+00:09:55,300 --> 00:10:00,720
+يعني شكلاً من أشكال التحايل، زي ما قلنا ليس.. ليس
+
+95
+00:10:00,720 --> 00:10:02,360
+إلا لكن
+
+96
+00:10:04,030 --> 00:10:11,390
+من خلال النظر الثاقب لهؤلاء المرجحين، قالوا لأنها
+
+97
+00:10:11,390 --> 00:10:17,690
+ليس هذا ظلم وهذا يعني تجني على المرابحة المصرفية،
+
+98
+00:10:17,690 --> 00:10:22,110
+المرابحة المصرفية ليست كذلك، ليست ربا ولا حتى الوصول
+
+99
+00:10:22,110 --> 00:10:30,330
+إلى الربا، ذلك أن المرابحة المصرفية تتم بصورة صحيحة
+
+100
+00:10:31,510 --> 00:10:40,530
+كاملة دقيقة، بيع وشراء سواء في مرحلة شراء
+
+101
+00:10:40,530 --> 00:10:51,130
+البنك من الجهة المعينة أو بعد بيعها للمشتري، البنك
+
+102
+00:10:51,130 --> 00:10:59,770
+يشتري السلعة من جهة معينة بعقد صحيح ومستقل، ثم بعد
+
+103
+00:10:59,770 --> 00:11:06,550
+ذلك يبيعها أيضاً بعقد صحيح ومستقل، شأن أي بائع، شأن
+
+104
+00:11:06,550 --> 00:11:11,870
+أي تاجر، شأن أي شخص يبيع ويشتري، كما يشتري تاجر
+
+105
+00:11:11,870 --> 00:11:15,930
+المفرق من تاجر الجملة، وكما يشتري تاجر الجملة من
+
+106
+00:11:15,930 --> 00:11:20,870
+المصدر أو من المورد ثم يبيع لآخر، والمعنى أن يشتري
+
+107
+00:11:20,870 --> 00:11:25,730
+شخص من شخص أو من جهة ثم يبيع لآخر، ويربح أنه وقع
+
+108
+00:11:25,730 --> 00:11:32,690
+في الربح، هذا اشترى سلعة ثم باعها بعد ذلك، ولا
+
+109
+00:11:32,690 --> 00:11:37,650
+بحاجة، بغض النظر عما إذا كان شراؤه لها بناء على
+
+110
+00:11:37,650 --> 00:11:43,310
+أمر من الأول أو لم يكن، هذا لا يكون سبباً في الطعن
+
+111
+00:11:43,310 --> 00:12:09,480
+ولا يكون سبيلًا من سبل الربا
+
+112
+00:12:09,480 --> 00:12:15,780
+بحال من الأحوال.
+
+113
+00:12:15,880 --> 00:12:21,840
+أخذت الألف تردها ألف ومائتين هذا هم بعد عام،
+
+114
+00:12:21,840 --> 00:12:27,070
+وأنت كان عامين ألف وثلاثمائة وهكذا، لكن هذا الأمر
+
+115
+00:12:27,070 --> 00:12:31,450
+هو مختلف، هذا يبيع ويشتري ويتحمل خسارة، تقول بعد
+
+116
+00:12:31,450 --> 00:12:36,350
+ذلك ربع؟ يعني كما قال بني إسرائيل إنما البيع مثل
+
+117
+00:12:36,350 --> 00:12:40,990
+الربع؟ لا يا عم، وحل الله البيع، وحرم الربع،
+
+118
+00:12:40,990 --> 00:12:45,770
+الربع شيء آخر، مختلف تماماً، أما إذا هذه مثلة،
+
+119
+00:12:45,770 --> 00:12:53,330
+المثلة الثانية، مثلاً أنه لم يقل بحل يعني أحد من
+
+120
+00:12:53,330 --> 00:12:58,640
+العلماء القدامى، هذا ليس دليلاً يمكن أن يعتمد عليه.
+
+121
+00:12:59,740 --> 00:13:05,660
+وماذا؟ هذا أصله عمل معاصر وليس بالضرورة أن يقول
+
+122
+00:13:05,660 --> 00:13:11,080
+بحلها أحد من العلماء السابقين، هم لو كانت موجودة
+
+123
+00:13:11,080 --> 00:13:16,780
+قديمًا وقالوا بالحكم كان خريجون كمعاصرين، لكن نحن
+
+124
+00:13:16,780 --> 00:13:19,900
+الآن المعاصرون هم الذين نناقشها وليس بالضرورة أن
+
+125
+00:13:19,900 --> 00:13:27,680
+يكون القضية معاصرة أن يكون لها حكم مبين عند
+
+126
+00:13:27,680 --> 00:13:29,080
+القدامى.
+
+127
+00:13:33,830 --> 00:13:39,810
+هذا على العكس، يعني عدم وجود قول بالحل ولا بالحرمة
+
+128
+00:13:39,810 --> 00:13:47,050
+يعني وفق القاعدة يرجح القول بالجواز، القصد في
+
+129
+00:13:47,050 --> 00:13:52,810
+المعاملات الإباحة بدون ما يكون فيه دليل، ليس بضرورة
+
+130
+00:13:52,810 --> 00:13:57,740
+يكون في صرم، ليس بالضرورة يكون فيه دليل على الحل،
+
+131
+00:13:57,740 --> 00:14:02,140
+المهم أن لا يكون دليل على الحرمة، فليس معناه أن
+
+132
+00:14:02,140 --> 00:14:07,440
+العلماء القدامى لم يتطرقوا إلى حلها أنها حرام.
+
+133
+00:14:09,080 --> 00:14:14,480
+بل أكثر من ذلك أننا وجدنا من العلماء القدامى في
+
+134
+00:14:14,480 --> 00:14:21,460
+الكتب القديمة يقولون بجواز صور مشابهة لهذه الصورة
+
+135
+00:14:21,460 --> 00:14:25,840
+قديماً، ليس ذاتها صورة يعني كما ورد عن الإمام
+
+136
+00:14:25,840 --> 00:14:31,640
+الشافعي أنه لو أن شخصاً، أرى شخصاً لو أن شخصاً أو رجلاً
+
+137
+00:14:31,640 --> 00:14:39,860
+أرى يعني وراء الشر، أرى شخصاً سلعة هذه السيارة، هذه
+
+138
+00:14:39,860 --> 00:14:45,000
+الكاميرا، هذه الطاولة، اشتريها، فقال له اشتري لي
+
+139
+00:14:45,000 --> 00:14:49,480
+هذه السلعة، أشار إليه عليها، وأربحوك كذا، تماماً كصورة
+
+140
+00:14:49,480 --> 00:14:56,120
+المرابحة المصرفية، وأربحوك عليها كذا، ماذا قال؟ هل
+
+141
+00:14:56,120 --> 00:15:00,520
+هذا يضره؟ هل هذا حرام؟ هل هذا يبطل المعاملة؟ قال
+
+142
+00:15:00,520 --> 00:15:06,630
+الإمام الشافعي رحمه الله قال جاز ذلك، لكن الخلاف في
+
+143
+00:15:06,630 --> 00:15:11,650
+نقطة إيش؟ هل المشتري الذي طلب شراء هذه السلعة هل
+
+144
+00:15:11,650 --> 00:15:16,450
+هو بالخيار أو بالإلزام، ولا الإشكال؟ لكن مبدأ إن
+
+145
+00:15:16,450 --> 00:15:20,550
+واحد يقنع من واحد يشتري له سلعة ويربحه عليها هذا
+
+146
+00:15:20,550 --> 00:15:26,270
+لا إشكال فيه وقالوا بحله نصاً صراحة بوضوح، إذن بقيت
+
+147
+00:15:26,270 --> 00:15:30,670
+المسألة مسألة فرعية، مسألة أنه يعني هل ملزم أو مش
+
+148
+00:15:30,670 --> 00:15:35,210
+ملزم، وإحنا عارفين إنه يعني هنشوفها بعد شوية، مسألة
+
+149
+00:15:35,210 --> 00:15:42,540
+الإلزام، إذن أصلاً المسألة صحيحة، أصل المسألة. فصارت يعني
+
+150
+00:15:42,540 --> 00:15:46,820
+شوفوا ضيقوا دائرة الخلاف حول إيه؟ حول مسألة
+
+151
+00:15:46,820 --> 00:15:53,080
+الإلزام والالتزام وعدمه. ثالثاً أو مثلاً دليلهم
+
+152
+00:15:53,080 --> 00:15:56,800
+الذي ساندوا عليه، قالوا يا عم أليست هذه عبارة عن
+
+153
+00:15:56,800 --> 00:15:59,520
+بيعان في بيع، وأخذناها، مش هذا الدليل الذي سادوا
+
+154
+00:15:59,520 --> 00:16:02,740
+فيه وأخذناه، نهى رسول الله صلى الله عليه وسلم عن ذلك
+
+155
+00:16:03,900 --> 00:16:08,080
+حقيقة يعني حديث النبي صلى الله عليه وسلم يا
+
+156
+00:16:08,080 --> 00:16:13,330
+أخوة عن بيعين في بيع، له أكثر من تأويل، ومن هنا قلت
+
+157
+00:16:13,330 --> 00:16:18,090
+في البداية أن احتمال التأويلات قد يكون هذا لكن
+
+158
+00:16:18,090 --> 00:16:23,270
+يعني الراجح من التأويلات أنه ليس المقصود أنه إذا
+
+159
+00:16:23,270 --> 00:16:27,350
+ارتبطت بيع ببيع تصبح البيعان حرام، يعني الآن أنا
+
+160
+00:16:27,350 --> 00:16:30,850
+لو اتفقت مع واحد أبيعك الشقة بتاعتي وأشتري منك
+
+161
+00:16:30,850 --> 00:16:35,850
+الأرض بتاعتك، هل يقول أحد في نوع من الارتباط يعني
+
+162
+00:16:35,850 --> 00:16:39,370
+في صفقة واحدة، هل في إشكالية؟ ما فيش إشكالية إذا
+
+163
+00:16:39,370 --> 00:16:44,340
+ما المعنى؟ بعض الشراح أو كثير من الشراح قال لك
+
+164
+00:16:44,340 --> 00:16:49,080
+المقصود أن يكون بيع السلعة التي بدنا نبيعها هذه
+
+165
+00:16:49,080 --> 00:16:56,060
+أن يكون لها أو أكثر من ثمن، أكثر من ثمن، ثمنان يعني
+
+166
+00:16:57,160 --> 00:17:06,700
+ولا يحدد أيهما ولا يحدد أي منهما، لا يحدد، هذه
+
+167
+00:17:06,700 --> 00:17:11,460
+يعني زي ما بيحصل في بعض المحلات، هذه التلاجة بكرة
+
+168
+00:17:11,460 --> 00:17:17,560
+بكل هذه بخمسين بالنقد
+
+169
+00:17:17,560 --> 00:17:25,460
+وبستين مليون كاش، فيتم الاتفاق بين البائع
+
+170
+00:17:25,460 --> 00:17:33,060
+والمشتري على الشراء دون تحديد الثمن، قالوا خلاص اشتغل
+
+171
+00:17:33,060 --> 00:17:36,220
+بدي اشتغل وأتوكل على الله وما قالوش لا إما بدي
+
+172
+00:17:36,220 --> 00:17:41,180
+اشتغل في كاش أو أجدي أو إما أو بالخمسين أو بال
+
+173
+00:17:41,180 --> 00:17:48,190
+ستين، فظ
+
+223
+00:22:45,720 --> 00:22:53,640
+المشتري والمرابحة ما بدوش السلعة، لا تصح
+
+224
+00:22:53,640 --> 00:23:00,680
+المرابحة، أنا بدي السلعة شراء عادي، مش بدي فلوس، بدي
+
+225
+00:23:00,680 --> 00:23:03,920
+نقل، أنا بدي... بدي السيارة، بدي أشغل عليها، بدي
+
+226
+00:23:03,920 --> 00:23:10,600
+السيارة، بدي يعني تفيدني أو تساعدني لأحمل ولادي و
+
+227
+00:23:10,600 --> 00:23:15,720
+أسافر فيها، بدي قطعة الأرض، بدي الجهاز الكمبيوتر، بدي
+
+228
+00:23:15,720 --> 00:23:19,420
+..ثم إنه لا تتم عملية، يعني هذا يشتري من الشخص و
+
+229
+00:23:19,420 --> 00:23:21,920
+يبيع للشخص الآخر، وليس لنفس الشخص، إذا أنتَ
+
+230
+00:23:21,920 --> 00:23:26,150
+اختلفتختلف بالكلية، على صورة... فلا تتشابه... اللي
+
+231
+00:23:26,150 --> 00:23:30,410
+بده إياه، الصورة على صورة، اللي بده يكون في وجوه
+
+232
+00:23:30,410 --> 00:23:35,810
+القياس واضحة ومتطابقة، وليس الأمر كذلك. أخيرًا،
+
+233
+00:23:35,810 --> 00:23:45,400
+وهو أهم دليل استند إليه المانعون، اللي هم مثلًا لزوم
+
+234
+00:23:45,400 --> 00:23:51,340
+الوفاء بالوعد، مش احنا قلنا في خطوات المرابحة في
+
+235
+00:23:51,340 --> 00:23:57,160
+خطوة الوعد الملزم، التوقيع على الوعد لما بيقدم طلب
+
+236
+00:23:57,160 --> 00:24:01,620
+الشراء وبوافق عليه، بيقولوا تعال وكّلنا على
+
+237
+00:24:01,620 --> 00:24:07,300
+الالتزام بالشراء، بالوفاء بالشراء، احنا مش بنجيب
+
+238
+00:24:07,300 --> 00:24:13,280
+القطعة وبنحطها في المخزن، بنجيبها بشرطين: أنتَ
+
+239
+00:24:13,280 --> 00:24:21,280
+تشتريها مادامت بالصفة التي طلبتها أو مادامت هي عين
+
+240
+00:24:21,280 --> 00:24:27,620
+السلعة التي طلبتها، فهذا الالتزام، العقد، هذا الالتزام
+
+241
+00:24:27,620 --> 00:24:33,570
+يا إخوة، في الأصل يعني غير واجب، يعني على رأي الجمهور
+
+242
+00:24:33,570 --> 00:24:36,970
+يعني جمهور العلماء، وأنتم شوفتوا كلام الإمام الشافعي
+
+243
+00:24:36,970 --> 00:24:40,910
+قبل شوية، لما إذا رأى الرجل رجلاً طلب منه يعني أن
+
+244
+00:24:40,910 --> 00:24:45,250
+يشتري سلعة، فاشتراها له، يعني لا بأس في ذلك، لكن
+
+245
+00:24:45,250 --> 00:24:51,650
+المشتري بالخيار، الأصل أن المشتري بالخيار، لكن لو
+
+246
+00:24:51,650 --> 00:24:56,250
+المشتري بالخيار، هل سيوافق البنك على مبدأ الشراء
+
+247
+00:24:56,250 --> 00:25:02,910
+ومبدأ عملية المرابحة؟ مش هيوافق. الشيء الثاني، هل هذا
+
+248
+00:25:02,910 --> 00:25:08,250
+القول بأنه بالخيار هو قول متفق عليه؟ برضه لا، صحيح
+
+249
+00:25:08,250 --> 00:25:14,210
+وراء الجمهور، لكن ثمة أقوال لأئمة كبار، يعني قالوا
+
+250
+00:25:14,210 --> 00:25:18,770
+بلزوم، بلزوم الوفاء بالوعد في مثل هذه الحالات، كان
+
+251
+00:25:18,770 --> 00:25:22,070
+لبعض الحنفية وبعض المالكية، والتفاصيل عندكم في
+
+252
+00:25:22,070 --> 00:25:26,670
+الكتب، مش... مش أدخل فيه، يعني هناك علماء كثر قالوا
+
+253
+00:25:26,670 --> 00:25:31,470
+بأن الوفاء بالوعد لازم، خاصة إذا ترتب على عدم
+
+254
+00:25:31,470 --> 00:25:42,320
+الوفاء إلحاق الضرر، أو إذا... إذا كان المورد كالِبنك
+
+255
+00:25:42,320 --> 00:25:48,340
+أو غيره قد تلبّس بعملية الشراء بالفعل، فالأمر يعني
+
+256
+00:25:48,340 --> 00:25:52,580
+فيه آراء. طيب احنا يا سيدي هو مش بالضرورة كلام
+
+257
+00:25:52,580 --> 00:25:56,160
+الجمهور دائمًا دائمًا يكون هو الراجح، قد يكون راجحًا
+
+258
+00:25:56,160 --> 00:26:00,860
+في فترة، في فترة، لكن احنا الآن يا إخوة نعيش في زمن
+
+259
+00:26:01,660 --> 00:26:07,680
+يعني نحتاج فيه إلى التيسير على الناس، يعني ظهر فيه
+
+260
+00:26:07,680 --> 00:26:13,160
+المادة، إذا لم نقل بهذا... عدم القول بهذا الرأي
+
+261
+00:26:13,160 --> 00:26:18,480
+سيلغي المرابحة، والناس بعد ذلك بين خيارين: إما أن
+
+262
+00:26:18,480 --> 00:26:28,360
+يذهبوا للبنوك الربوية أو يضعوا أيديهم ويشبكواها، ولا
+
+263
+00:26:28,360 --> 00:26:34,260
+يحققوا حاجاتهم ولا أهدافهم، وبالتالي فيه حرج، حرج
+
+264
+00:26:34,260 --> 00:26:38,780
+شديد على الناس، والقاعدة العامة في التشريع: ما جعل
+
+265
+00:26:38,780 --> 00:26:42,500
+الله عليكم في الدين من حرج، إذا هذا الرأي وإن كان
+
+266
+00:26:42,500 --> 00:26:49,040
+رأي يعني ليس رأي الجمهور الذي يقول بالإلزام، يتناغم
+
+267
+00:26:49,040 --> 00:26:53,980
+مع قواعد شرعية، قواعد التيسير وقواعد المصلحة، فلمن
+
+268
+00:26:53,980 --> 00:26:59,460
+يأخذ به؟ يا سيدي، أنا عندي... أنا بقول لك، لما نكون
+
+269
+00:26:59,460 --> 00:27:05,860
+في زمن من الأزمنة، في مجال للإقراض الحسن للناس،
+
+270
+00:27:05,860 --> 00:27:11,020
+أنا بدي أقول المرابحة ممنوعة، لكن اليوم، من يضنّ
+
+271
+00:27:11,020 --> 00:27:16,640
+أحد؟ من يقرب من الناس أحدًا؟ لا أحد يقرب أحدًا، في
+
+272
+00:27:16,640 --> 00:27:22,920
+الغالب، يعني الناس مضطرون إلى هذا، لكن حتى بدون
+
+273
+00:27:22,920 --> 00:27:27,920
+اضطرار، فهذا الزمن أيها الإخوة، نحتاج فيه إلى فتاوى
+
+274
+00:27:27,920 --> 00:27:34,020
+التيسير، مادام وليس التسيب بالطبع، مادام هناك متسع
+
+275
+00:27:34,020 --> 00:27:39,840
+ومادام هناك تخرج، ومادام هناك أقوال لفقهاء، ونجد
+
+276
+00:27:39,840 --> 00:27:44,700
+هناك من يقول بأن الوعد يكون ملزمًا، ولحظوا يا
+
+277
+00:27:44,700 --> 00:27:47,910
+إخوة، لماذا لا يكون الوعد ملزمًا إذا كان صراحةً
+
+278
+00:27:47,910 --> 00:27:51,750
+توقيعًا بأنه غير ملزم، يقولون باستحبابه
+
+279
+00:27:51,750 --> 00:27:57,050
+بالالتزام، الجمهور الذين لم يكونوا بالإلزام، قالوا
+
+280
+00:27:57,050 --> 00:28:02,810
+بإيه؟ باستحبابه، وإنه يعني مستحب دينًا وأخلاقًا و
+
+281
+00:28:02,810 --> 00:28:06,830
+أدبًا، فإذا كان أدبًا وأخلاقًا، وآية المنافق ثلاث،
+
+282
+00:28:06,830 --> 00:28:13,130
+إذا وعد أخلف، يعني من يرضى؟ لماذا لا
+
+283
+00:28:13,130 --> 00:28:20,510
+يكونوا كذلك ملزمًا، قضائيًا وشرعًا ومعاملاتًا؟ لماذا؟ و
+
+284
+00:28:20,510 --> 00:28:27,690
+...فإذا بعد هذا يا إخوة، كلّه يعني أصبح هناك، ده يعني
+
+285
+00:28:27,690 --> 00:28:34,950
+أقول، اطمئنان إلى القول برجحان من... رأي من قال
+
+286
+00:28:34,950 --> 00:28:43,190
+بجوازِ المرابحة المصرفية وما إلى ذلك، فإنهم عندما
+
+287
+00:28:43,190 --> 00:28:50,450
+قالوا بما قالوا من الجواز، وضعوا ضوابط أو شروط، يعني
+
+288
+00:28:50,450 --> 00:28:56,590
+كمان شوفوا، يعني... يعني، أخوال قائلين بالجواز لم يكونوا
+
+289
+00:28:56,590 --> 00:29:03,530
+يعني متساهلين، ولا بمعنى آخر تاركين الأمر على عواهنه
+
+290
+00:29:03,530 --> 00:29:09,460
+وفتح الأبواب على مصراعها، لا، عملوا جائزة، لكن دي
+
+291
+00:29:09,460 --> 00:29:13,460
+ضوابط، واحد، اثنين، ثلاثة، في ضوابط، إياكوا إذا أي
+
+292
+00:29:13,460 --> 00:29:19,060
+خلل في أي ضابط، تصبح المرابحة أو هذه المعاملة غير
+
+293
+00:29:19,060 --> 00:29:22,340
+جائزة، احنا مش مسؤولين عنها، احنا بنقول المرابحة
+
+294
+00:29:22,340 --> 00:29:27,720
+جائزة عندما تكتمل ضوابطها، عندما تكتمل شروطها، عندما
+
+295
+00:29:27,720 --> 00:29:31,720
+تسير في خطواتها التي ذكرها الفقهاء.
+
+296
+00:29:33,410 --> 00:29:39,350
+وأهم هذه الضوابط التي أشار
+
+297
+00:29:39,350 --> 00:29:45,130
+إليها العلماء، أو يعني يمكن هي الضوابط اللي احنا في
+
+298
+00:29:45,130 --> 00:29:48,390
+طيّ حديثنا أشرنا إليها، لكن نحب أن نؤكد ونركز
+
+299
+00:29:48,390 --> 00:29:57,670
+عليها: أولًا، أن لا يبيع البنك البضاعة إلا إذا قبضها،
+
+300
+00:29:57,670 --> 00:30:05,610
+هذا واضح، وهذا فيه رد على من قال بأن البنك يبيع ما
+
+301
+00:30:05,610 --> 00:30:10,750
+لا يملك، لأ يا عم، احنا شرطنا أن لا يبيع إلا بعد
+
+302
+00:30:10,750 --> 00:30:18,300
+أن يملك، إلا بعد أن يملك البضاعة، أما يعني يسلم
+
+303
+00:30:18,300 --> 00:30:22,740
+الجمل بما حمل للمشتري، كل روح وأي مصاري مش هينفع،
+
+304
+00:30:22,740 --> 00:30:28,320
+لابد أن تكون هناك عملية بيع وشراء حقيقية من قبل
+
+305
+00:30:28,320 --> 00:30:33,440
+البنك، يذهب إلى المكان أو إلى السلع يشتريها و
+
+306
+00:30:33,440 --> 00:30:38,080
+يقبضها، يتسلمها سواء في المكان أو في مكان آخر، وبعد
+
+307
+00:30:38,080 --> 00:30:45,120
+ذلك يبيعها، أما أن يبيعها قبل أن يشتريها، ما بيصح،
+
+308
+00:30:45,120 --> 00:30:50,820
+كأنه باع ما لا يملك بالفعل، أو باع ما ليس عنده،
+
+309
+00:30:50,820 --> 00:30:55,640
+فهذا شرط ينبغي أن ينتبه إليه، ينتبه إليه المشتري
+
+310
+00:30:55,640 --> 00:30:58,480
+وينتبه إليه البنك، الموظفون في البنك لابد أن
+
+311
+00:30:58,480 --> 00:31:03,540
+ينتبهوا إليه، والزبون الذي يطلب، حتى لو قام البنك
+
+312
+00:31:03,540 --> 00:31:08,380
+بمخالفة، ينبغي أن ينبه إلى ذلك، لأ يا عم، ما بيصحش.
+
+313
+00:31:09,860 --> 00:31:16,580
+اثنين، أن... أن لا يكون الثمن في بيعة المرابحة
+
+314
+00:31:16,580 --> 00:31:20,320
+قابلاً للزيادة في حالة عجزة عن السداد، هذه قصة
+
+315
+00:31:20,320 --> 00:31:27,780
+بالحقيقة، قصة يعني حساسة، عندما بدأت البنوك
+
+316
+00:31:27,780 --> 00:31:33,520
+الإسلامية في غزة تعمل، يعني واجهت إشكالية: إن طيب
+
+317
+00:31:33,520 --> 00:31:41,150
+ماذا لو أن المشتري، ماذا لو أنا المشتري، يعني توقف
+
+318
+00:31:41,150 --> 00:31:46,130
+عاجزًا عن السداد، وقفت الجبضة، مرات في فترة من
+
+319
+00:31:46,130 --> 00:31:51,850
+فترات، وقفوا الجبضات، أو يعني، مَرّة في تجارة خسرت
+
+320
+00:31:51,850 --> 00:31:56,090
+كذا، لم يستطع لأي سبب من الأسباب، لم يستطع تسديد
+
+321
+00:31:57,260 --> 00:32:01,820
+فكانوا بيسألوا، هم لسه في البدايات، البنوك، إدارات
+
+322
+00:32:01,820 --> 00:32:05,400
+البنوك، يسألوا لجان الفتوى أو كنتوا مشاركين في ذلك
+
+323
+00:32:05,400 --> 00:32:12,100
+الوقت، فقالوا: يعني هل لنا أن نعطي الزبون، المشتري
+
+324
+00:32:12,100 --> 00:32:20,260
+مدة أطول ونزيد عليه في الثمن؟ اه، لأ، هنخش في الربا.
+
+325
+00:32:20,260 --> 00:32:25,260
+لأنه هتصير نفس صورة الربا: أزيدك في الأجل، وتزيدني في
+
+326
+00:32:25,260 --> 00:32:29,820
+الثمن، لأ يا عم، الثمن بقى قد ما يتحدد، خلاص، لا
+
+327
+00:32:29,820 --> 00:32:33,160
+يزيد ولا ينقص، الآن، قدامي أنت واحد، أنت ألف
+
+328
+00:32:33,160 --> 00:32:37,320
+دينار، وكلك بتسددهم بعد سنة، وما قدرتش تسددهم بعد سنة،
+
+329
+00:32:37,320 --> 00:32:43,500
+هل يجوز لك أن... أن تقول: والله السنة يعني ألف
+
+330
+00:32:43,500 --> 00:32:49,830
+ومئة، عشان اتأخرت؟ لأ، احنا ديننا يعني، إن كان ذو عُسرة
+
+331
+00:32:49,830 --> 00:32:56,690
+فنظرْتُه إلى ميسرِه، هو متعسر يعني، ما بدوش يسدد، هو صاحب
+
+332
+00:32:56,690 --> 00:33:01,410
+ميسرة وما بدوش يسدد، في محاكم، ارفع لي قضية، ارفع لي محكمة
+
+333
+00:33:01,410 --> 00:33:05,540
+وممكن في هذه الحالة فيه يتحلّوا حل، حتى بعض العلماء
+
+334
+00:33:05,540 --> 00:33:09,040
+أجازوا تعويضًا، يعني ممكن تقول لك اتضرّرت، يعني إذا كان
+
+335
+00:33:09,040 --> 00:33:12,740
+مثلًا في بعض البنوك، مثلًا إذا كان يعني ظاهرة عامة
+
+336
+00:33:12,740 --> 00:33:17,340
+ومجموعة كبيرة تخلفوا لسبب أو لآخر عن التسديد، البنك
+
+337
+00:33:17,340 --> 00:33:22,730
+اتضرّر، وقع فيه إشكالات، ممكن يشكل لجنة لتقدير الأضرار
+
+338
+00:33:22,730 --> 00:33:29,510
+وتعويض الجهة المتضررة بشيء، أما إنه أنا أتركها يعني
+
+339
+00:33:29,510 --> 00:33:35,570
+متوالية حسابية، زيدني وأزيدك، أخشّ في الربا، إذًا لا
+
+340
+00:33:35,570 --> 00:33:42,250
+يجوز، ولا يقبل هذا، وهذا ما تم يعني الالتزام به
+
+341
+00:33:42,250 --> 00:33:46,790
+حقيقةً في قبولِه، ولذلك البنوك اليوم تحاول أن تأخذ
+
+342
+00:33:46,790 --> 00:33:55,790
+الاحتياطات الكبرى، الاحتياطات الكاملة، يعني... بحيث
+
+343
+00:33:55,790 --> 00:34:00,070
+التي تضمن الاستمرارية في السداد، لأنه عارف إن فيه
+
+344
+00:34:00,070 --> 00:34:06,250
+حالة عجز، خلاص، بدهم يتحملوا، لازم كفالة، ولازم مرتب، و
+
+345
+00:34:06,250 --> 00:34:11,950
+لازم كذا... الشرط الثالث أو الضابط الثالث، اللي يكون
+
+346
+00:34:11,950 --> 00:34:18,030
+بيع المرابحة اللي يكون ذريعة للحصول على المال، زي
+
+347
+00:34:18,030 --> 00:34:22,920
+بيع العين، يعني ما يكونش سيارة... لكن لو الشخص يا
+
+348
+00:34:22,920 --> 00:34:32,260
+إخوة... لو الشخص اشترى السلعة بنية أنه يريد السلعة
+
+349
+00:34:32,260 --> 00:34:37,440
+وبعد ذلك لم تعد... لم يعد في حاجة لها، فبقى على
+
+350
+00:34:37,440 --> 00:34:41,420
+إشكال، يعني واحد اشترى سيارة عشان إنه يشغل عليها، و
+
+351
+00:34:41,420 --> 00:34:45,780
+كان مخلص من كل وظيفة، بعد أن صحت وظيفته ولم يعد في
+
+352
+00:34:45,780 --> 00:34:50,860
+حاجة للسيارة، وبقى ما فيش إشكال، إذا هذه هي الشروط
+
+353
+00:34:50,860 --> 00:34:55,240
+وبالتالي، يعني ينبغي أن ننتبه للمخالفات التي تقع
+
+354
+00:34:55,240 --> 00:35:00,380
+فيها البنوك والموظفون في البنوك، احنا بهيك نكون
+
+355
+00:35:00,380 --> 00:35:05,000
+خلصنا، ومجمع الفقه الإسلامي يا إخوة، يعني قال بجواز
+
+356
+00:35:05,000 --> 00:35:09,480
+هذه المعاملة وفق الشروط التي ذكرناها، شكرًا.
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..1dfad89742f2f439c396297b50d71bb6e19e17c1
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4_postprocess.srt
@@ -0,0 +1,1424 @@
+1
+00:00:21,080 --> 00:00:25,700
+بسم الله الرحمن الرحيم الحمد
+
+2
+00:00:25,700 --> 00:00:29,360
+لله رب العالمين والصلاة والسلام على أشرف المرسلين
+
+3
+00:00:29,360 --> 00:00:35,320
+محمد صلى الله عليه وسلم وعلى آله وصحبه ومن احتدى
+
+4
+00:00:35,320 --> 00:00:39,760
+بهديه واستنى بسنته إلى يوم الدين اللهم اننا نسألك
+
+5
+00:00:39,760 --> 00:00:45,380
+الهدى والتقى والعفافة والغنى وان تعلمنا ما ينفعنا
+
+6
+00:00:45,380 --> 00:00:50,500
+وان تنفعنا بما علمتناوأن تيسر لنا أمورنا وأن تشرح
+
+7
+00:00:50,500 --> 00:00:55,120
+لنا صدورنا وتهدينا لما فيه الخير يا رب العالمين
+
+8
+00:00:55,120 --> 00:01:02,560
+وبعد أيها الأخوة الكرام نواصل حديثنافي او عن
+
+9
+00:01:02,560 --> 00:01:09,180
+المرابحة المصرفية والتي كنا وعلى مدار محاضرات ربما
+
+10
+00:01:09,180 --> 00:01:15,660
+عديدة تحدثنا فيها بدءا من الحديث عن المرابحة
+
+11
+00:01:15,660 --> 00:01:20,700
+العادية التي هي أساس للمرابحة
+
+12
+00:01:20,700 --> 00:01:28,500
+المصرفية واصل لهاثم بعد ذلك تحدثنا عن المرابحة
+
+13
+00:01:28,500 --> 00:01:36,640
+المصرفية من حيث بيان حقيقتها و الفرق بينها و بين
+
+14
+00:01:36,640 --> 00:01:44,020
+المرابحة العادية و الخطوات التي تتم بها وصولا إلى
+
+15
+00:01:44,020 --> 00:01:52,400
+بيان أقوال العلماء و عرائهم في المرابحة المصرفية و
+
+16
+00:01:52,400 --> 00:01:59,150
+كنا قد انتهينا من الحديث عنهذا الأمر بمعنى ذكرنا
+
+17
+00:01:59,150 --> 00:02:06,050
+أدلة أو ذكرنا الأقوال والأدلة وعرفنا أن العلماء
+
+18
+00:02:06,050 --> 00:02:06,850
+المعاصرين
+
+19
+00:02:09,350 --> 00:02:17,410
+قد اختلفوا في حكم هذه المسألة او حكم هذه المعاملة
+
+20
+00:02:17,410 --> 00:02:25,750
+على رأيين او على قولين قول يجيزوا التعامل بهذه
+
+21
+00:02:25,750 --> 00:02:34,610
+المعاملة وادرجها ضمن المعاملات الجائزةوهو رأي
+
+22
+00:02:34,610 --> 00:02:40,110
+الجمهور وقول آخر منع التعامل بهذه المعاملة
+
+23
+00:02:40,110 --> 00:02:43,250
+واعتبرها من المعاملات المحرمة
+
+24
+00:02:45,710 --> 00:02:51,710
+القول الذي قال بالجواز اعتمد على أدلة أن الأصل في
+
+25
+00:02:51,710 --> 00:02:57,390
+المعاملات الإباحة أن الأصل عموم حل البيأة كما ورد
+
+26
+00:02:57,390 --> 00:03:00,890
+في كتاب الله وسنة رسول الله صلى الله عليه وسلم أن
+
+27
+00:03:00,890 --> 00:03:05,810
+المعاملات في الجملة ترعى المصالح وهذه كذلك أن
+
+28
+00:03:05,810 --> 00:03:10,690
+المعاملات في الجملة تيسر على الناس وهذه كذلك فكل
+
+29
+00:03:10,690 --> 00:03:19,160
+الأدلة تعاطبتللتدليل على صحتي وجواز هذه المعاملة
+
+30
+00:03:19,160 --> 00:03:23,500
+في نظرهم ومن هنا خرجوا بالقول بأن المعرابح
+
+31
+00:03:23,500 --> 00:03:31,000
+المصرفية جائزة لكن تم تفريق آخر رأيناه لم يوافقهذا
+
+32
+00:03:31,000 --> 00:03:37,020
+الفريق ولم يقتنع بما ساقه من أدلة وقال بالتحريم
+
+33
+00:03:37,020 --> 00:03:43,120
+واعتمد أدلة متعددة أو استند إلى أدلة قال إن هذه
+
+34
+00:03:43,120 --> 00:03:50,460
+حيلة للتوصل أو للتعامل بالربا قال إن هذه معاملة لم
+
+35
+00:03:50,460 --> 00:03:54,720
+يقول بحلها أحد من العلماء السابقين حتى نستند إلى
+
+36
+00:03:54,720 --> 00:04:02,470
+حلها قالوا إن هذه المعاملةهي باعتين في باعة وقد
+
+37
+00:04:02,470 --> 00:04:06,770
+نهى رسول الله صلى الله عليه وسلم عن ذلك صراحة
+
+38
+00:04:06,770 --> 00:04:13,290
+قالوا ايضا بان هذه المعاملة تتضمن
+
+39
+00:04:15,810 --> 00:04:21,350
+البائع أو اللي هو البنك ما لا يملك وقد نهى كذلك
+
+40
+00:04:21,350 --> 00:04:24,550
+رسول الله صلى الله عليه و سلم عن بيع ما لا يملك
+
+41
+00:04:24,550 --> 00:04:30,870
+قالوا بأن هذه المعاملة مبنية على أساس لزوم أو
+
+42
+00:04:30,870 --> 00:04:36,910
+إلزام الوفاء بالوعد وهذا ما لم يقول به جمهور علماء
+
+43
+00:04:36,910 --> 00:04:38,710
+المسلمين
+
+44
+00:04:40,070 --> 00:04:48,130
+أدلة فيها من المنطقية أدلة تستند إلى نصوص وتستند
+
+45
+00:04:48,130 --> 00:04:55,250
+إلى وقائع جعلتنا في حيرة من من أمرنا
+
+46
+00:04:58,070 --> 00:05:05,090
+تحتاج إلى نظر هنا فريق يقول بالجواز له أدلته
+
+47
+00:05:05,090 --> 00:05:11,970
+القوية هنا فريق يقول بالمنع له أدلته من راجح من
+
+48
+00:05:11,970 --> 00:05:16,410
+بين هذه الأقوال
+
+49
+00:05:18,450 --> 00:05:22,790
+الحقيقة أيها الأخوة لمعرفة الراجح يستدعي الأمر
+
+50
+00:05:22,790 --> 00:05:28,490
+مناقشة الأدل أدلة كل فريق قبل أن يعني العلماء قبل
+
+51
+00:05:28,490 --> 00:05:35,390
+أن يرجحوا يناقشوا وينظروا و بعد ذلك أيه الأدل التي
+
+52
+00:05:35,390 --> 00:05:41,510
+تترجح لديهم أو تظهر قوتها يرجحونها
+
+53
+00:05:43,300 --> 00:05:51,880
+الآن أيها الأخوة الكرام عندما نظر العلماء
+
+54
+00:05:51,880 --> 00:05:59,300
+خلينا نقول الذين لم يكن لهم ضلع في معادا الفريق أو
+
+55
+00:05:59,300 --> 00:06:05,900
+ذاك الآن علماء خلينا نسميهم محيدين كالكاتب اللذي
+
+56
+00:06:05,900 --> 00:06:10,460
+بين يدنا وغيره يعني نظروا في أدلة هؤلاء وأولئك
+
+57
+00:06:10,460 --> 00:06:17,720
+ليرجحوا لنانظروا في أدلة القائلين بالجواز يعني لو
+
+58
+00:06:17,720 --> 00:06:22,400
+نظرنا في أدلة القائلين بالجواز سنجدوا أنها عبارة
+
+59
+00:06:22,400 --> 00:06:31,040
+عن إما قواعد غير قابلة للنقد
+
+60
+00:06:31,040 --> 00:06:37,080
+قواعد أصيلة الأصل في المعاملات الإباحة ما لم يرد
+
+61
+00:06:37,080 --> 00:06:43,830
+محرم ولم يرد كذلك أو نصوص قرآنيةوأحلى الله البايع
+
+62
+00:06:43,830 --> 00:06:49,250
+البايع بقل الاستغراق هذه وقل العموم تستغرقوا كل
+
+63
+00:06:49,250 --> 00:06:54,410
+صور البايع وهذه صورة منها بالاضافة إلى قواعد
+
+64
+00:06:54,410 --> 00:06:58,330
+المصالح والتثير التي لها أصل في كتاب الله وفي سنة
+
+65
+00:06:58,330 --> 00:07:04,130
+رسول الله صلى الله عليه وسلم فلم يجدوا ما يعني ما
+
+66
+00:07:04,130 --> 00:07:10,690
+يناقشون به هذه او ما يعترضون به على هذه الأدلة
+
+67
+00:07:11,340 --> 00:07:19,520
+فبدأت معالم الترجيح تميلوا إلى كفة الجواز بعد
+
+68
+00:07:19,520 --> 00:07:23,460
+النظر إلى أدلة القائلين بالجواز لكن هذا لا يكفي
+
+69
+00:07:23,460 --> 00:07:29,840
+حتى ننظر إلى أدلة القائلين بالمنع
+
+70
+00:07:29,840 --> 00:07:38,360
+عندما نظروا إلى أدلة القائلين بالمنع وجدوا أمرين
+
+71
+00:07:39,220 --> 00:07:44,440
+يعني الأول ما استطيع ان يسميه إجمالي أو وقفوا على
+
+72
+00:07:44,440 --> 00:07:49,460
+أمرين أمر إجمالي حول الأدلة كلها وأمر يتعلق بكل
+
+73
+00:07:49,460 --> 00:07:55,780
+دليل على أحدها الأمر الإجمالي وجه نظره فوجدوا أن
+
+74
+00:07:55,780 --> 00:08:00,780
+هذه الأدلة عبارة عن أدلة جزئية هناك أدلة كلية
+
+75
+00:08:00,780 --> 00:08:09,620
+قواعدثم إنها في الجملة قابلة للتأويل وليست أدلة
+
+76
+00:08:09,620 --> 00:08:14,280
+قاطعة متفق عليها الجزئيات الأدلة اللي تستدلوا بيها
+
+77
+00:08:14,280 --> 00:08:22,330
+في الجملة يعني جزئيةثم إما أن تكون مختلف فيها أو
+
+78
+00:08:22,330 --> 00:08:30,630
+قابلة للتأويل و النظر و مثل هذه الأدلة أو مثل تلكم
+
+79
+00:08:30,630 --> 00:08:37,030
+الأدلة ما تصلحوا أن تكون دليلا قاطعا للقول أو
+
+80
+00:08:37,030 --> 00:08:42,750
+مرجحا للقول بالحل أو بالحرب.الآن بدأت تترجح أكثر و
+
+81
+00:08:42,750 --> 00:08:49,330
+أكثر كفة القول بالجواز بعد هذا.أما على التفصيلأما
+
+82
+00:08:49,330 --> 00:08:54,110
+إذا عرضنا أن نفصل قالوا تعالوا لنؤكد ما قلناه احنا
+
+83
+00:08:54,110 --> 00:08:58,170
+من خلال نظرية جمالية لقنا أنها جزئية وأنها هذه
+
+84
+00:08:58,170 --> 00:09:02,890
+أدلتكم أيها المانعون أدلة جزئية وأدلة كما قلت
+
+85
+00:09:02,890 --> 00:09:10,850
+قابلة للنظر قابلة للتأويل وليس طريقة استخدالكم بها
+
+86
+00:09:10,850 --> 00:09:17,070
+هي الطريقة المتفق عليها أو المقتولة بها ربما تكون
+
+87
+00:09:17,070 --> 00:09:24,130
+هناك وجهة نظر أخرىتعالوا نشوف أما قولكم بأن هذه ..
+
+88
+00:09:24,130 --> 00:09:29,350
+انتوا قولتوا المانعين قالوا بأن هذه حيلة للتعامل
+
+89
+00:09:29,350 --> 00:09:35,890
+بالربا مش هيك؟ أول دليل السندوق ليه؟ أو بمعنى آخر
+
+90
+00:09:35,890 --> 00:09:41,460
+أنهم اعتبروا أن المرابحةالمصرفية صورة من صور الربا
+
+91
+00:09:41,460 --> 00:09:45,180
+او صورة من صور الوصول او التحالف لكن صورة غير
+
+92
+00:09:45,180 --> 00:09:51,360
+مباشرة صورة غير مباشرة و يعني هما قالوا يعني
+
+93
+00:09:51,360 --> 00:09:55,300
+مباشرة ولا غير مباشرة و لو ان .. و الصلاة اعتبروها
+
+94
+00:09:55,300 --> 00:10:00,720
+يعني شكل من أشكال التحليل زي ما قلنا ليس .. ليس
+
+95
+00:10:00,720 --> 00:10:02,360
+الا لكن
+
+96
+00:10:04,030 --> 00:10:11,390
+من خلال النظر الثاقب لهؤلاء المرجحين قالوا لأني
+
+97
+00:10:11,390 --> 00:10:17,690
+ليس هذا ظلم وهذا يعني تجني على المرابح المصرفية
+
+98
+00:10:17,690 --> 00:10:22,110
+المرابح المصرفية ليست كذلك ليست ربا ولا حتى الوصول
+
+99
+00:10:22,110 --> 00:10:30,330
+إلى الربا ذلك أن المرابح المصرفية تتم بصورة بيئة
+
+100
+00:10:31,510 --> 00:10:40,530
+صحيحة كاملة دقيقة بيع و شراء سواء في مرحلة شراء
+
+101
+00:10:40,530 --> 00:10:51,130
+البنك من الجهة المعينة أو بعد بيعها للمشتري البنك
+
+102
+00:10:51,130 --> 00:10:59,770
+يشتري السلعة من جهة معينة بعقد صحيحو مستقل ثم بعد
+
+103
+00:10:59,770 --> 00:11:06,550
+ذلك يبيعها ايضا بعقد صحيح و مستقل شأن اي بائع شأن
+
+104
+00:11:06,550 --> 00:11:11,870
+اي تاجر شأن اي شخص يبيع و يشتري كما يشتري تاجر
+
+105
+00:11:11,870 --> 00:11:15,930
+المفرق من تاجر الجملة و كما يشتري تاجر الجملة من
+
+106
+00:11:15,930 --> 00:11:20,870
+المصدر او من المورد ثم يبيع لاخر و المعنى ان يشتري
+
+107
+00:11:20,870 --> 00:11:25,730
+شخص من شخص او من جهة ثم يبيع لاخر و يرضح انه وقع
+
+108
+00:11:25,730 --> 00:11:32,690
+في الربحهذا اشترى سلعة ثم باعها بعد ذلك و لا
+
+109
+00:11:32,690 --> 00:11:37,650
+بحافقها، بغض النظر عما إذا كان شرائه لها بناء على
+
+110
+00:11:37,650 --> 00:11:43,310
+أمر من الأول أو لم يكن، هذا لا يكون سببا في الطعن
+
+111
+00:11:43,310 --> 00:12:09,480
+ولا يكون سبيلامن سبل الربا
+
+112
+00:12:09,480 --> 00:12:15,780
+بحال من الأحوال
+
+113
+00:12:15,880 --> 00:12:21,840
+همه اخذت الألف تردها الف و مائتين هذا همه بعد عام
+
+114
+00:12:21,840 --> 00:12:27,070
+و انت كان عامين الف و ثلاثمية و هكذالكن هذا الام
+
+115
+00:12:27,070 --> 00:12:31,450
+هو مختلف، هذا يبيع و يشتري و يتحمل خسارة، تقول بعد
+
+116
+00:12:31,450 --> 00:12:36,350
+ذلك ربع؟ يعني كما قال بني إسرائيل إنما البيع مثل
+
+117
+00:12:36,350 --> 00:12:40,990
+الربع؟ لأ يا عم، وحل الله البيع، وحرّم الربع،
+
+118
+00:12:40,990 --> 00:12:45,770
+الربع شيء آخر، مختلف تماما، أما إذا هذه مثلة،
+
+119
+00:12:45,770 --> 00:12:53,330
+المثلة الثانية، مثلة أنه لم يقل بحل يعني أحد من
+
+120
+00:12:53,330 --> 00:12:58,640
+العلماء القدامىهذا ليس دليلا يمكن أن يعتمد عليه
+
+121
+00:12:59,740 --> 00:13:05,660
+وماذا؟ هذه أصله عمل معاصرة وليس بالضرورة أن يقول
+
+122
+00:13:05,660 --> 00:13:11,080
+بحلها أحد من العلماء السابقين هم لو كانت موجودة
+
+123
+00:13:11,080 --> 00:13:16,780
+قديما وقالوا بالحكم كان خريحون كمعاصرين لكن احنا
+
+124
+00:13:16,780 --> 00:13:19,900
+الآن المعاصرين هم اللي بنقشوها وليس بالضرورة ان
+
+125
+00:13:19,900 --> 00:13:27,680
+يكون القضية معاصرة ان يكون لها حكم مبين عند
+
+126
+00:13:27,680 --> 00:13:29,080
+القدامة
+
+127
+00:13:33,830 --> 00:13:39,810
+ده على العكس يعني عدم وجود قول بالحل ولا بالحرمة
+
+128
+00:13:39,810 --> 00:13:47,050
+يعني وفق القاعدة يرجح القول بالجواز القصده في
+
+129
+00:13:47,050 --> 00:13:52,810
+المعاملات الإباحة بدون ما يكون فيه دليل مش بضرورة
+
+130
+00:13:52,810 --> 00:13:57,740
+يكون في مصرمش بالضرورة يكون فيه دليل على الحل،
+
+131
+00:13:57,740 --> 00:14:02,140
+المهم أن لا يكون دليل عن الحرمة، فليس معناه أن
+
+132
+00:14:02,140 --> 00:14:07,440
+العلماء القدامى لم يتطرقوا إلى حلها أنها حرام
+
+133
+00:14:09,080 --> 00:14:14,480
+بالأكثر من ذلك أننا وجدنا من العلماء القدامى في
+
+134
+00:14:14,480 --> 00:14:21,460
+الكتب القدامى يقولون بجواز صور مشابهة لهذه الصورة
+
+135
+00:14:21,460 --> 00:14:25,840
+قديما، ليس ذاتها صورة يعني كما ورد عن الإمام
+
+136
+00:14:25,840 --> 00:14:31,640
+الشافعي أنه لو أن شخصا أرا شخصا لو أن شخصا أو رجلا
+
+137
+00:14:31,640 --> 00:14:39,860
+أرا يعني ورا الشر أرا شخصا سلعةهذه السيارة، هذه
+
+138
+00:14:39,860 --> 00:14:45,000
+الكاميرا، هذه الطاولة، اشتريوا، فقال الله اشتري لي
+
+139
+00:14:45,000 --> 00:14:49,480
+هذه السلعة، اشارله عليها، واربعوك كذا، تماما كصورة
+
+140
+00:14:49,480 --> 00:14:56,120
+المرادحة المصرفية، واربعوك عليها كذا، ماذا قال؟ هل
+
+141
+00:14:56,120 --> 00:15:00,520
+هذا يضره؟ هل هذا عرام؟ هل هذا يبطل المعاملة؟ قال
+
+142
+00:15:00,520 --> 00:15:06,630
+إمام الشافعي رحمه الله قال جاهز ذلكلكن الخلاف في
+
+143
+00:15:06,630 --> 00:15:11,650
+نقطة إيش؟ هل المشتري اللذي طلب شراء هذه السلع هل
+
+144
+00:15:11,650 --> 00:15:16,450
+هو بالخيار أو بالالذام ولا الإشكال؟لكن مبدأ إن
+
+145
+00:15:16,450 --> 00:15:20,550
+واحد يقنع من واحد يشتري له سلعة ويربحه عليها هذا
+
+146
+00:15:20,550 --> 00:15:26,270
+لا إشكلة فيه وقالوا بحلله نصا صراحة بوضوح إذن بقتت
+
+147
+00:15:26,270 --> 00:15:30,670
+المسألة مسألة فرعية مسألة إنه يعني هل ملزم ولا مش
+
+148
+00:15:30,670 --> 00:15:35,210
+ملزم واحنا عارفين إنه يعني هنشوفها بعد شوية مسألة
+
+149
+00:15:35,210 --> 00:15:42,540
+الزام إذن أصلا المسألة صحيةأصل المسألة. فصارت يعني
+
+150
+00:15:42,540 --> 00:15:46,820
+شوفوا ضيقوا دائرة الخلاف حول ايه؟ حول مسألة
+
+151
+00:15:46,820 --> 00:15:53,080
+الالتمادة والالتزام وعدمه. ثالثا او مثلا دليلهم
+
+152
+00:15:53,080 --> 00:15:56,800
+اللي ساندوا عليه قالوا يا عم أليست هذه عبارة عن
+
+153
+00:15:56,800 --> 00:15:59,520
+بيعتين في بيع وخدناها مش هذا الدليل اللي سادلوا
+
+154
+00:15:59,520 --> 00:16:02,740
+فيه وخدناها رسول الله صلى الله عليه وسلم عن ذلك
+
+155
+00:16:03,900 --> 00:16:08,080
+حقيقة يعني حديقناهي النبي صلى الله عليه وسلم يا
+
+156
+00:16:08,080 --> 00:16:13,330
+أخوه عن بيعتين في بيعة له أكثر من تأويلومن هنا قلت
+
+157
+00:16:13,330 --> 00:16:18,090
+في البداية ان احتمال التأويلات قد يكون هذا لكن
+
+158
+00:16:18,090 --> 00:16:23,270
+يعني الراجح من التأويلات انه ليس المقصود انه اذا
+
+159
+00:16:23,270 --> 00:16:27,350
+ارتبطت بيعت بيعت تصبح البيعتين حرام يعني الآن انا
+
+160
+00:16:27,350 --> 00:16:30,850
+لو اتفق مع واحد ابيعك الشقة بتبعتي واشتري منك
+
+161
+00:16:30,850 --> 00:16:35,850
+الأرض بتبعتي هل يقول احد في نوع من الارتباط يعني
+
+162
+00:16:35,850 --> 00:16:39,370
+في صفقة واحد هل في إشكالية مافيش إشكالية اذا
+
+163
+00:16:39,370 --> 00:16:44,340
+ماالمعنى؟بعض الشرّاح أو كثير من الشرّاح قال لك
+
+164
+00:16:44,340 --> 00:16:49,080
+المقصود أن يكون البيعة السلعة اللى بدنا نبيعها هذه
+
+165
+00:16:49,080 --> 00:16:56,060
+أن يكون لها او اكثر من ثمن اكثر من ثمن ثمانين يعنى
+
+166
+00:16:57,160 --> 00:17:06,700
+و لا يحدد أيهما ولا يحدد أي من هما، لا يحدد، هذه
+
+167
+00:17:06,700 --> 00:17:11,460
+يعني زي ما بيحصل في بعض المحلات، هذه التلاجة بكرا
+
+168
+00:17:11,460 --> 00:17:17,560
+بكل هذه بخمسين بالنقد
+
+169
+00:17:17,560 --> 00:17:25,460
+و بستين مليون cash فيتم الاتفاق بين الباقي و
+
+170
+00:17:25,460 --> 00:17:33,060
+المشتريعلى الشراء دون تحديد الثمن قالوا خلاص اشتغل
+
+171
+00:17:33,060 --> 00:17:36,220
+بدي اشتغل و اتوكل على الله و ماقالوش لا اما بدي
+
+172
+00:17:36,220 --> 00:17:41,180
+اشتغل في كيش ولا او نجدي ولا اما ولا بالخمسين ولا
+
+173
+00:17:41,180 --> 00:17:48,190
+بالستين فظل الثمن ايش مجهولمش عارف اين، هو لو
+
+174
+00:17:48,190 --> 00:17:52,250
+تحدد، لو تعين، خلاص انتهت، لأنه صار فيه تعيين وده،
+
+175
+00:17:52,250 --> 00:17:56,030
+لكن فكان يعني بعض الشراح جاله المقصود باعتين في
+
+176
+00:17:56,030 --> 00:18:01,550
+باعة يعني كأنه البيعة، يعني أهم يميز البيعة ثمنها،
+
+177
+00:18:01,550 --> 00:18:07,890
+يعني كان المقصود ثمانين في باعة واحدةوهذا بالتأكيد
+
+178
+00:18:07,890 --> 00:18:14,050
+يضغوا أو يعودوا بالإبطال على البيع نعم لأن في
+
+179
+00:18:14,050 --> 00:18:19,870
+جهالة وشروط صحة البيع أن يكون الثمن معلوما لكن لما
+
+180
+00:18:19,870 --> 00:18:26,350
+يكون أكثر من ثمن مطروح ويتم الاتفاق على البيع دون
+
+181
+00:18:26,350 --> 00:18:32,880
+تحديدالثمن تصبح وقت لكن احنا في باقي المرابح
+
+182
+00:18:32,880 --> 00:18:37,880
+حقيقية تم تحديد الثمن بوضوح وبتحديد وليس من باب
+
+183
+00:18:37,880 --> 00:18:43,850
+وبالتالي لا ينطبقوا او لا ينسحقوا عليه هذاال .. ال
+
+184
+00:18:43,850 --> 00:18:49,690
+.. الحديث ما سألت أنه يبيعوا أن هذه تتضمن بيئ مال
+
+185
+00:18:49,690 --> 00:18:54,170
+يملك بيئ مال يملك قالوا هذا من ضمن أدلتهم على
+
+186
+00:18:54,170 --> 00:18:59,830
+اعتبار أنه عندما جاء المقدم الطالب للشراء للبنك لم
+
+187
+00:18:59,830 --> 00:19:04,390
+يكن .. لم تكن السلعة موجودة فهم يتهموا أو قالوا يا
+
+188
+00:19:04,390 --> 00:19:11,170
+عم هذا يبيع مال يملك وليس صحيحا أقول فرق بين الوعد
+
+189
+00:19:11,170 --> 00:19:17,420
+والعقدهو وعده، وهذا طلب منهم أن يشتري له، وهذا
+
+190
+00:19:17,420 --> 00:19:22,880
+وعده أن يبيعه، هذا الوعد ليس ملزم، وهذا الطلب ليس
+
+191
+00:19:22,880 --> 00:19:31,200
+عقداوهو بوعده هذا لم يبيع فما ينطبق عليه ما نهج
+
+192
+00:19:31,200 --> 00:19:37,360
+عنه النبي صلى الله عليه وسلم يعني من أن يبيع
+
+193
+00:19:37,360 --> 00:19:42,920
+الإنسان ما لا يملك هو لم يبيع بقبوله طلب الشراع لم
+
+194
+00:19:42,920 --> 00:19:48,040
+يبيع لم يعقد وإنما وعده هل في ذلك خلاص والله واحد
+
+195
+00:19:48,040 --> 00:19:53,120
+جالي ألف دينار أدان جاله بسيط ولا يهمك الله يدبرلك
+
+196
+00:19:54,770 --> 00:20:04,010
+هل تم الأمر؟ لم يتم، لكن هو لما انبعى، متى باع؟
+
+197
+00:20:04,010 --> 00:20:10,410
+ألم يبيع؟ وهذا ذكره صعيبون، ألم يتم البيع بعد أن
+
+198
+00:20:10,410 --> 00:20:18,570
+اشتر السلع وتملكها؟فكيف تقولون بأنه يعني يبيع ما
+
+199
+00:20:18,570 --> 00:20:23,170
+لا يا عمي هو باع ما يملك بعد أن اشتراه ودخل في
+
+200
+00:20:23,170 --> 00:20:29,410
+ملكيته ولكن سيكون شرطا يعني من الشروق لصحة المرابح
+
+201
+00:20:30,610 --> 00:20:39,210
+إذن هو أباعة ما يملك ثم أيها الأخوة الكرام قبل ال
+
+202
+00:20:39,210 --> 00:20:44,170
+.. احنا يمكن في واحدة ماشوفنهاش أو دليل مانقشنهوش
+
+203
+00:20:44,170 --> 00:20:50,350
+قبل الأخير وهو أنه بيع قالوا من دم الأدلة قالوا
+
+204
+00:20:50,350 --> 00:20:56,360
+هذه صورة من صور بيع بيورة قلليناصورة من صور بيوع
+
+205
+00:20:56,360 --> 00:21:00,980
+العينة التي نهي عنها النبي صلى الله عليه وسلم وهذه
+
+206
+00:21:00,980 --> 00:21:05,520
+شبه بالبند الأول يا إخوة اللي هو حيلة الربا لأنه
+
+207
+00:21:05,520 --> 00:21:14,260
+أنهي عن بيوع العينة لأنه حيلة للوصول إلى الربا لكن
+
+208
+00:21:14,260 --> 00:21:19,020
+هنا يقال أو يمكن أن نقول بأن صورة بيع المرابعة
+
+209
+00:21:19,020 --> 00:21:25,640
+تختلفاختلافا كبيرا عن بيالعينة في بيالعينة اولا
+
+210
+00:21:25,640 --> 00:21:32,980
+انتبهوا في بيالعينة يكون مقصود يعني للمشتري المال
+
+211
+00:21:32,980 --> 00:21:38,620
+وانا ذكرتلكم ايش صورة بيالعينة بيالعينة يذهب انسان
+
+212
+00:21:38,620 --> 00:21:43,660
+يريد مالا فلا يجد من يعطيه فيذهب ليشتري بضاعة او
+
+213
+00:21:43,660 --> 00:21:52,010
+سلعة معينة داينا ثم يعودواببيعها لنفس من اشتراها
+
+214
+00:21:52,010 --> 00:22:00,430
+منه نقدا بسعر اقل بسعر اقل يشتريها بالف فيما
+
+215
+00:22:00,430 --> 00:22:04,210
+يبيعها له بعد ذلك بعد ساعة من الزمن وربما عن سابق
+
+216
+00:22:04,210 --> 00:22:10,750
+اتفاق بثمانمائة هذا فعلا واضح انه حيلة للربع ومن
+
+217
+00:22:10,750 --> 00:22:17,550
+هنا كان التحريمفهذا يقصد و ثم إن عملية البيع يعني
+
+218
+00:22:17,550 --> 00:22:22,830
+فعلا تبدو يعني واضحة إن الشقلية والصورية اشتراها
+
+219
+00:22:22,830 --> 00:22:29,290
+ورجعها يعني وإن بس هو بده أخد ال 800 دنار على أساس
+
+220
+00:22:29,290 --> 00:22:35,990
+يرجعها الألف لكن هل هذا .. هل هذه الصورة هي ذات
+
+221
+00:22:35,990 --> 00:22:40,230
+صورة المرابعة المصرفية؟ طب هذا يشتري السلعة لأنه
+
+222
+00:22:40,230 --> 00:22:45,720
+يريدهاو احنا عن سؤال كمان من الشروط انه اذا كان
+
+223
+00:22:45,720 --> 00:22:53,640
+المشتري و المرابحة مابدوش السلعة، لا تصحوا
+
+224
+00:22:53,640 --> 00:23:00,680
+المرابحة، انا بد السلعةشراء عادي مش بدى فلوس بدى
+
+225
+00:23:00,680 --> 00:23:03,920
+نقل أنا بدى .. بدى السيارة بدى أشغل عليها بدى
+
+226
+00:23:03,920 --> 00:23:10,600
+السيارة بدى يعني تفيدني أو تساعدني لأحمل ولادي و
+
+227
+00:23:10,600 --> 00:23:15,720
+أسافر فيها بدى قطعة الأرض بدى الجهاز الكمبيوتر بدى
+
+228
+00:23:15,720 --> 00:23:19,420
+.. ثم إنه لا تتم عملية يعنى هذا يشتري من الشخص و
+
+229
+00:23:19,420 --> 00:23:21,920
+يبيع ليه الشخص الآخر و ليس لذات الشخص إذا انت
+
+230
+00:23:21,920 --> 00:23:26,150
+اختلفتختلف بالكلية على صورة .. فلا تتشابه .. اللي
+
+231
+00:23:26,150 --> 00:23:30,410
+بده يجيه الصورة على صورة، اللي بده يكون في وجوه
+
+232
+00:23:30,410 --> 00:23:35,810
+القياس واضحة ومتطابقة، وليس الأمر كذلك. أخيرًا،
+
+233
+00:23:35,810 --> 00:23:45,400
+وهو أهم دليل استند إليه المانعوناللي هم مثلا لزوم
+
+234
+00:23:45,400 --> 00:23:51,340
+الوفاء بالوعد مش احنا جولنا في خطوات المرابحة في
+
+235
+00:23:51,340 --> 00:23:57,160
+خطوة الوعد الملزم التوقيع على الوعد لما بيقدم طلب
+
+236
+00:23:57,160 --> 00:24:01,620
+الشراء و بوافق عليه بيقولوا تعالي وكّلنا على
+
+237
+00:24:01,620 --> 00:24:07,300
+التزام بالشراء بالوفاء بالشراء احنا مش بنجيب
+
+238
+00:24:07,300 --> 00:24:13,280
+القطعة و بنحطها في المخزن بنجيبها بشرطان انت
+
+239
+00:24:13,280 --> 00:24:21,280
+تشتريها مادامت بالصفة اللتي طلبت او مادامت هي عين
+
+240
+00:24:21,280 --> 00:24:27,620
+السلعة اللتي طلبت فهذا الاتزام العقيقة هذا الاتزام
+
+241
+00:24:27,620 --> 00:24:33,570
+يا اخوة في الاصليعني غير واجب يعني على رأي الجمهور
+
+242
+00:24:33,570 --> 00:24:36,970
+يعني جمهور العلماء وانت شوفتوا كلام الإمام الشافعي
+
+243
+00:24:36,970 --> 00:24:40,910
+قبل بشوية لما إذا أرى الرجل الرجلة طلب منه يعني أن
+
+244
+00:24:40,910 --> 00:24:45,250
+يشتري سلعة فاشتراها له يعني لا بأس في ذلك لكن
+
+245
+00:24:45,250 --> 00:24:51,650
+المشتري بالخيار الأصل أن المشتري بالخيار لكن لو
+
+246
+00:24:51,650 --> 00:24:56,250
+المشتري بالخيار هل سيوافق البنك على مبدأ الشراء
+
+247
+00:24:56,250 --> 00:25:02,910
+ومبدأ عملية المرابحة مش هيوافقالشيء الثاني، هل هذا
+
+248
+00:25:02,910 --> 00:25:08,250
+القول بأنه بالخيار هو قول متفق عليه؟ برضه لا، صحيح
+
+249
+00:25:08,250 --> 00:25:14,210
+وراء الجمهور، لكن ثمت أقوال لأئمة كباريعني قالوا
+
+250
+00:25:14,210 --> 00:25:18,770
+بلزوم، بلزوم الوفاة بالوعد في مثل هذه الحالات، كان
+
+251
+00:25:18,770 --> 00:25:22,070
+لبعض الحنفية وبعض المالكية، والتفاصيل عندكم في
+
+252
+00:25:22,070 --> 00:25:26,670
+الهوا مش .. مش أخش فيه، يعني هناك علماء كثر قالوا
+
+253
+00:25:26,670 --> 00:25:31,470
+بأن الوفاة بالوعد لازم خاصة إذا ترتب على أدم
+
+254
+00:25:31,470 --> 00:25:42,320
+الوفائي الحاق بالضرر أو إذاإذا كان المورود كالبنك
+
+255
+00:25:42,320 --> 00:25:48,340
+أو غيره قد تلبس بعملية الشراء بالفعل فالأمر يعني
+
+256
+00:25:48,340 --> 00:25:52,580
+في أراء طب احنا يا سيدي هو مش بالضرورة كلام
+
+257
+00:25:52,580 --> 00:25:56,160
+الجمهور دايما دايما يكون هو الراجح قد يكونوا راجحا
+
+258
+00:25:56,160 --> 00:26:00,860
+في فترة في فترة لكن احنا الآن يا اخوة نعيش في زمن
+
+259
+00:26:01,660 --> 00:26:07,680
+يعني نحتاج فيه الاتثير على الناس يعني ظهرت فيه
+
+260
+00:26:07,680 --> 00:26:13,160
+المادة إذا لم نقل بهذه .. عدم القول بهذا الرأي
+
+261
+00:26:13,160 --> 00:26:18,480
+سيلغي المرابحة والناس بعد ذلك بين خيارين إما أن
+
+262
+00:26:18,480 --> 00:26:28,360
+يذهبوا للبنوك الربوية أو يضعوا أيديهمو يشبكوها ولا
+
+263
+00:26:28,360 --> 00:26:34,260
+يحققوا حجرياتهم ولا أهدافهم وبالتالي في حرج حرج
+
+264
+00:26:34,260 --> 00:26:38,780
+شديد على الناس والقاعدة العامة في التشريع ما جعل
+
+265
+00:26:38,780 --> 00:26:42,500
+الله عليكم في الدين من حرج، إذا هذا الرأي وإن كان
+
+266
+00:26:42,500 --> 00:26:49,040
+رأي يعني ليس رأي الجمهور الذي يقول بالالزاميتناغم
+
+267
+00:26:49,040 --> 00:26:53,980
+مع قواعد شرعية، قواعد التيثير وقواعد المصبحة، فلمن
+
+268
+00:26:53,980 --> 00:26:59,460
+يأخذ به؟ يا سيدي أنا عندي .. أنا بقولك، لما نكون
+
+269
+00:26:59,460 --> 00:27:05,860
+في زمن من الأزمنة، في مجال للإقراض الحسن للناس،
+
+270
+00:27:05,860 --> 00:27:11,020
+أنا بدي أقول المرادحة ممنوعة، لكن اليوم، من يدين
+
+271
+00:27:11,020 --> 00:27:16,640
+أحد؟ من يقرب من الناس أحدا؟ لا أحد يقرب أحد، في
+
+272
+00:27:16,640 --> 00:27:22,920
+الغالب يعنيفالناس مضطرون إلى هذا لكن حتى بدون
+
+273
+00:27:22,920 --> 00:27:27,920
+اضطرار فهذا الزمن أيها الأخوة نحتاج فيه إلى فتاوى
+
+274
+00:27:27,920 --> 00:27:34,020
+التيسير مادام وليس التسيب بالطبع مادام هناك متسع
+
+275
+00:27:34,020 --> 00:27:39,840
+ومادام هناك تخرج ومادام هناك أقوال لفقهاء ونجد
+
+276
+00:27:39,840 --> 00:27:44,700
+هناك أن من يقول بأن الوعد يكون ملزما ولحظوا يا
+
+277
+00:27:44,700 --> 00:27:47,910
+أخوة لماذا لا يكون الوعد ملزما إذا كان حدما
+
+278
+00:27:47,910 --> 00:27:51,750
+توقعيني بأنها غير ملزمة، يقولون باستحباها
+
+279
+00:27:51,750 --> 00:27:57,050
+بالالتزامالجمهور الذين لم يكونوا بالالذام قالوا
+
+280
+00:27:57,050 --> 00:28:02,810
+بإيه باستحبابه وإنه يعني مستحب دينا و أخلاقا و
+
+281
+00:28:02,810 --> 00:28:06,830
+أدبا فإذا كان أدبا و أخلاقا و آية المنافق ثلاث،
+
+282
+00:28:06,830 --> 00:28:13,130
+إذا وعد كذا، إذا وعد أخلف، يعني من يرضى؟ لماذا لا
+
+283
+00:28:13,130 --> 00:28:20,510
+يكونوا كذلك ملزما قضاعا و شرعا و معاملاتا؟ لماذا؟و
+
+284
+00:28:20,510 --> 00:28:27,690
+.. فإذا بعد هذا يا أخوة كله يعني أصبح هناك ده يعني
+
+285
+00:28:27,690 --> 00:28:34,950
+أقول اطمئنان إلى القول برجحان من .. رأي من قال
+
+286
+00:28:34,950 --> 00:28:43,190
+بجوازي ايه المرابحة المصرفية وما ذلكفإنهم عندما
+
+287
+00:28:43,190 --> 00:28:50,450
+قالوا بما قالوا من الجواز وضعوا ضوابط أو شروط يعني
+
+288
+00:28:50,450 --> 00:28:56,590
+كمان شوفوا يعني يعني أخوال قائلين بالجواز لم يكنوا
+
+289
+00:28:56,590 --> 00:29:03,530
+يعني متسيبين ولا بمعنى آخر تاركين الأمر على عواهنه
+
+290
+00:29:03,530 --> 00:29:09,460
+وفتح الأبواب على مصراعها لأيعملوا جائزة لكن دي
+
+291
+00:29:09,460 --> 00:29:13,460
+ربالكوا في واحد اتنين تلاتة في ضوابط اياكوا اذا اي
+
+292
+00:29:13,460 --> 00:29:19,060
+خلل في اي ضابط تصبح المرابحة او هذه المعاملة غير
+
+293
+00:29:19,060 --> 00:29:22,340
+جائزة احنا مش مسئولين عنها احنا بنقول المرابحة
+
+294
+00:29:22,340 --> 00:29:27,720
+جائزة عندما تكتمل ضوابطها عندما تكتمل شروطها عندما
+
+295
+00:29:27,720 --> 00:29:31,720
+تسير في خطواتها التي ذكرها الفقهاء
+
+296
+00:29:33,410 --> 00:29:39,350
+وأهم هذه الضوابط التي أشار
+
+297
+00:29:39,350 --> 00:29:45,130
+إليها العلماء أو يعني يمكن هي الضوابط اللي احنا في
+
+298
+00:29:45,130 --> 00:29:48,390
+طياب حديثنا أشارنا إليها لكن نحب أن نؤكد ونركز
+
+299
+00:29:48,390 --> 00:29:57,670
+عليها أولا أن لا يبيع البنك البضاعة إلا إذا قبضها
+
+300
+00:29:57,670 --> 00:30:05,610
+هذا واضحوهذا فيه رد على من قال بأن البنك يبيع ما
+
+301
+00:30:05,610 --> 00:30:10,750
+لا يملك، لأ يا عم، احنا شرطنا ان لا يبيع الا بعد
+
+302
+00:30:10,750 --> 00:30:18,300
+ان يملك، الا بعد ان يخرج البضاعةأما يعني يسلم
+
+303
+00:30:18,300 --> 00:30:22,740
+الجمل بما حمل للمشتري كل روح و أي مصاري مش هينفع
+
+304
+00:30:22,740 --> 00:30:28,320
+لابد أن تكون هناك عملية بيع و شراء حقيقية من قبل
+
+305
+00:30:28,320 --> 00:30:33,440
+البنت يذهب إلى المكان أو إلى السلع يشتريها و
+
+306
+00:30:33,440 --> 00:30:38,080
+يقبضها يتسلمها سواء في المكان أو في مكان آخر وبعد
+
+307
+00:30:38,080 --> 00:30:45,120
+ذلك يبيعهاأما أن يبيعها قبل أن يشتريها، ما بيصح،
+
+308
+00:30:45,120 --> 00:30:50,820
+كأنه باع ما لا يملك بالفعل، أو باع ما ليس عنده،
+
+309
+00:30:50,820 --> 00:30:55,640
+فهذا شرط ينبغي أن ينتبه إليه، ينتبه إليه المشتري
+
+310
+00:30:55,640 --> 00:30:58,480
+وينتبه إليه البنك، الموظفين في البنك لابد أن
+
+311
+00:30:58,480 --> 00:31:03,540
+ينتبهوا إليه، والزبون الذي يطلب حتى لو قام البنك
+
+312
+00:31:03,540 --> 00:31:08,380
+بمخالفة، ينبغي أن ينبه إلى ذلك، لأ يا عم، ما بيصحش
+
+313
+00:31:09,860 --> 00:31:16,580
+إثنين، أن .. أن لا يكون الثمن في بيئة المرابعة
+
+314
+00:31:16,580 --> 00:31:20,320
+قابلة للزيادة في حالة بعجلة عن السدادة هذه قصة
+
+315
+00:31:20,320 --> 00:31:27,780
+بالحقيقة قصة يعني حساسة عندما بدأت البنوك
+
+316
+00:31:27,780 --> 00:31:33,520
+الإسلامية في غزة تعمل يعني واجهت إشكالية إن طيب
+
+317
+00:31:33,520 --> 00:31:41,150
+ماذا لو أن المشتريماذا لو أنا المشتري يعني توقف
+
+318
+00:31:41,150 --> 00:31:46,130
+عاجزة عن السداد، وقفت الجبضة، مرات في فترة من
+
+319
+00:31:46,130 --> 00:31:51,850
+فترات وقفوا الجبضات او يعني مراكن ع تجارة خسرت
+
+320
+00:31:51,850 --> 00:31:56,090
+كذا، لم يستطع لأي سبب من الأسباب، لم يستطعت تسديد
+
+321
+00:31:57,260 --> 00:32:01,820
+فكانوا بيسألوا هم لسه في البدايات البنوك إدارات
+
+322
+00:32:01,820 --> 00:32:05,400
+البنوك يسألوا لجان الفتاة او كنتوا مشاركا في ذلك
+
+323
+00:32:05,400 --> 00:32:12,100
+الوقت فقالوا يعني هل لنا أن نعطي الزبون المشتري
+
+324
+00:32:12,100 --> 00:32:20,260
+مدة أطول ونزيد عليه في الثمن؟اه لأ هنخش في الربع
+
+325
+00:32:20,260 --> 00:32:25,260
+لأنه هتصير نفس صورة الربع ازيدك في الأجل وتزيده دي
+
+326
+00:32:25,260 --> 00:32:29,820
+في الثمن لأ يا عم الثمن بقى قد ما يتحدد خلاص لا
+
+327
+00:32:29,820 --> 00:32:33,160
+بيزيد ولا بانجز الان يا قدامي انت واحد انت ألف
+
+328
+00:32:33,160 --> 00:32:37,320
+دينار وكلك بتسددهم بعد سنة وماقدرتش تسددهم بعد سنة
+
+329
+00:32:37,320 --> 00:32:43,500
+هل اجوزوا لك ان .. ان تقولوا والله السنة يعني ألف
+
+330
+00:32:43,500 --> 00:32:49,830
+ومية عشان اتأخرت لأاحنا ديننا يعني فإن كان ذو عسرة
+
+331
+00:32:49,830 --> 00:32:56,690
+فنظرته إلى ميسره، هو متعجب يعني مابدوش سد، هو صاحب
+
+332
+00:32:56,690 --> 00:33:01,410
+ميسره ومابدوش سد في محاكم ارفعلي قضية ارفعلي محكمة
+
+333
+00:33:01,410 --> 00:33:05,540
+وممكن في هذه الحالة فيه ميتحلوا حلحتى بعض العلماء
+
+334
+00:33:05,540 --> 00:33:09,040
+أجازوا تعويض يعني ممكن تقولك اتضرر يعني إذا كان
+
+335
+00:33:09,040 --> 00:33:12,740
+مثلا في بعض البنوك مثلا إذا كان يعني ظاهرة عامة
+
+336
+00:33:12,740 --> 00:33:17,340
+ومجموعة كبيرة تخلفوا لسبب أو لآخر عن التسديد البنك
+
+337
+00:33:17,340 --> 00:33:22,730
+اتضرر وقع فيه إشكالات ممكن تشكل لجاملتقدير الأضرار
+
+338
+00:33:22,730 --> 00:33:29,510
+وتعويب الجهة المتضررة بشيء اما انه انا اتركها يعني
+
+339
+00:33:29,510 --> 00:33:35,570
+متوالية حسابية زيبني و ازيدك بخش في الربع اذا لا
+
+340
+00:33:35,570 --> 00:33:42,250
+يجوز انه ولا يقبل هذا وهذا ما تم يعني الالتزام بيه
+
+341
+00:33:42,250 --> 00:33:46,790
+حقيقة في قبله ولذلك البنوك اليوم تحاول ان تأخذ
+
+342
+00:33:46,790 --> 00:33:55,790
+الاحتياطات الكبرىاحتياطات الكاملة يعني .. بالنحيث
+
+343
+00:33:55,790 --> 00:34:00,070
+التي تضمن الاستمرارية في السداد لأنه عارف ان في
+
+344
+00:34:00,070 --> 00:34:06,250
+حالة عاجز خلاص بدهم يتحمل لازم كفلة و لازم مرتب و
+
+345
+00:34:06,250 --> 00:34:11,950
+لازم كذا الشرط الثالث او الضابط الثالث اللي يكون
+
+346
+00:34:11,950 --> 00:34:18,030
+بيع المرابحة اللي يكون ذريعة للحصول على المال زي
+
+347
+00:34:18,030 --> 00:34:22,920
+بيع العينة يعنيمايكونش سيارة .. لكن لو الشخص يا
+
+348
+00:34:22,920 --> 00:34:32,260
+اخوة .. لو الشخص اشتر السلعة بنية انه يريد السلعة
+
+349
+00:34:32,260 --> 00:34:37,440
+و بعد ذلك لم تعد .. لم يعد في حاجة لها فبقى على
+
+350
+00:34:37,440 --> 00:34:41,420
+إشكل يعني واحد اشتر سيارة عشان انه يشغل عليها و
+
+351
+00:34:41,420 --> 00:34:45,780
+كان مخلص من كل الوظيفة بعد ان صحت وظيفةولم يعد في
+
+352
+00:34:45,780 --> 00:34:50,860
+عجل السيارة وبقى مافيش إشكال، إذا هذه هي الشروط
+
+353
+00:34:50,860 --> 00:34:55,240
+وبالتالي يعني ينبغي أن نتنبه للمخالفات التي تقع
+
+354
+00:34:55,240 --> 00:35:00,380
+فيها البنوك والموظفين في البنوك، احنا بهيك نكون
+
+355
+00:35:00,380 --> 00:35:05,000
+خلصنا ومجمع الفقه الإسلامي يا إخوة يعني قال بجواز
+
+356
+00:35:05,000 --> 00:35:09,480
+هذه المعاملة وفق الشروط التي ذكرناها، شكرا
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..9ee649cac570d14882d8184bf71c1e9dbef4a4a0
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4_raw.json
@@ -0,0 +1 @@
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"من خلال النظر الثاقب لهؤلاء المرجحين قالوا لأني ليس هذا ظلم وهذا يعني تجني على المرابح المصرفية المرابح المصرفية ليست كذلك ليست ربا ولا حتى الوصول إلى الربا ذلك أن المرابح المصرفية تتم بصورة بيئة", "tokens": [27842, 16490, 1211, 6027, 28239, 19913, 2288, 6024, 104, 995, 4587, 3555, 46740, 33604, 1211, 16606, 9673, 47341, 5016, 9957, 50239, 14407, 5296, 10721, 22653, 32239, 3794, 23758, 1357, 116, 19528, 37037, 15730, 37495, 22653, 6055, 7435, 22653, 15844, 9673, 23557, 49628, 9673, 9381, 28480, 10632, 9673, 23557, 49628, 9673, 9381, 28480, 10632, 32239, 14851, 9122, 8848, 23275, 32239, 14851, 12602, 3555, 995, 49429, 11331, 49975, 2423, 2407, 9381, 12610, 30731, 2423, 25513, 995, 29910, 23275, 14739, 9673, 23557, 49628, 9673, 9381, 28480, 10632, 6055, 39237, 4724, 9381, 13063, 3660, 4724, 1829, 19986, 3660], "avg_logprob": -0.14251645019179895, "compression_ratio": 2.144578313253012, "no_speech_prob": 3.5762786865234375e-07, "words": [{"start": 604.03, "end": 605.27, "word": "من", 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{"start": 614.81, "end": 615.39, "word": " تجني", "probability": 0.9410807291666666}, {"start": 615.39, "end": 616.51, "word": " على", "probability": 0.8623046875}, {"start": 616.51, "end": 617.01, "word": " المرابح", "probability": 0.8152669270833334}, {"start": 617.01, "end": 617.69, "word": " المصرفية", "probability": 0.985107421875}, {"start": 617.69, "end": 618.13, "word": " المرابح", "probability": 0.81396484375}, {"start": 618.13, "end": 618.63, "word": " المصرفية", "probability": 0.9879150390625}, {"start": 618.63, "end": 618.99, "word": " ليست", "probability": 0.939208984375}, {"start": 618.99, "end": 619.53, "word": " كذلك", "probability": 0.9830729166666666}, {"start": 619.53, "end": 620.43, "word": " ليست", "probability": 0.8564453125}, {"start": 620.43, "end": 620.83, "word": " ربا", "probability": 0.691162109375}, {"start": 620.83, "end": 621.15, "word": " ولا", "probability": 0.84033203125}, {"start": 621.15, "end": 621.49, "word": " حتى", "probability": 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أو بعد بيعها للمشتري البنك يشتري السلعة من جهة معينة بعقد صحيح", "tokens": [9381, 5016, 1829, 5016, 3660, 9122, 10943, 37977, 11778, 38436, 28671, 4724, 40228, 4032, 13412, 2288, 16606, 8608, 2407, 16606, 8978, 3714, 2288, 5016, 37977, 13412, 2288, 16606, 29739, 1863, 4117, 9154, 25724, 3224, 3660, 9673, 3615, 9957, 3660, 34051, 39182, 4724, 40228, 11296, 5296, 19528, 8592, 2655, 16572, 29739, 1863, 4117, 7251, 8592, 2655, 16572, 21136, 1211, 3615, 3660, 9154, 10874, 3224, 3660, 20449, 9957, 3660, 45030, 28543, 20328, 5016, 1829, 5016], "avg_logprob": -0.09443623300742458, "compression_ratio": 1.7463768115942029, "no_speech_prob": 5.364418029785156e-07, "words": [{"start": 631.51, "end": 632.67, "word": "صحيحة", "probability": 0.94990234375}, {"start": 632.67, "end": 633.71, "word": " كاملة", "probability": 0.9503580729166666}, {"start": 633.71, "end": 634.53, "word": " دقيقة", "probability": 0.9405924479166666}, {"start": 634.53, "end": 635.71, "word": " بيع", "probability": 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"word": " الأول", "probability": 0.978759765625}, {"start": 698.85, "end": 699.05, "word": " أو", "probability": 0.77880859375}, {"start": 699.05, "end": 699.23, "word": " لم", "probability": 0.94287109375}, {"start": 699.23, "end": 699.99, "word": " يكن،", "probability": 0.9036458333333334}, {"start": 699.99, "end": 700.23, "word": " هذا", "probability": 0.93701171875}, {"start": 700.23, "end": 700.69, "word": " لا", "probability": 0.49609375}, {"start": 700.69, "end": 702.21, "word": " يكون", "probability": 0.949462890625}, {"start": 702.21, "end": 702.77, "word": " سببا", "probability": 0.9267578125}, {"start": 702.77, "end": 702.87, "word": " في", "probability": 0.89599609375}, {"start": 702.87, "end": 703.31, "word": " الطعن", "probability": 0.92626953125}, {"start": 703.31, "end": 703.53, "word": " ولا", "probability": 0.75537109375}, {"start": 703.53, "end": 703.95, "word": " يكون", "probability": 0.8876953125}, {"start": 703.95, "end": 704.53, "word": " سبيلا", "probability": 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ثلاثمية و هكذا", "tokens": [16095, 3224, 1975, 9778, 8848, 2655, 16247, 46538, 6055, 2288, 3215, 11296, 27188, 4032, 3714, 16373, 2655, 9957, 23758, 8032, 2304, 3224, 39182, 6225, 10943, 4032, 16472, 2655, 25961, 6225, 10943, 9957, 27188, 4032, 38637, 1211, 5718, 104, 2304, 10632, 4032, 8032, 4117, 15730], "avg_logprob": -0.1835069497426351, "compression_ratio": 1.5148514851485149, "no_speech_prob": 2.384185791015625e-07, "words": [{"start": 735.88, "end": 737.06, "word": "همه", "probability": 0.854248046875}, {"start": 737.06, "end": 737.86, "word": " اخذت", "probability": 0.705322265625}, {"start": 737.86, "end": 738.32, "word": " الألف", "probability": 0.858154296875}, {"start": 738.32, "end": 738.94, "word": " تردها", "probability": 0.952880859375}, {"start": 738.94, "end": 739.22, "word": " الف", "probability": 0.56396484375}, {"start": 739.22, "end": 739.4, "word": " و", "probability": 0.99267578125}, {"start": 739.4, "end": 739.98, "word": " مائتين", "probability": 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القدامى في الكتب القدامى يقولون بجواز صور مشابهة لهذه الصورة قديما، ليس ذاتها صورة يعني كما ورد عن الإمام الشافعي أنه لو أن شخصا أرا شخصا لو أن شخصا أو رجلا أرا يعني ورا الشر أرا شخصا سلعة", "tokens": [3555, 6027, 10721, 4117, 49115, 9154, 29910, 23275, 14739, 8315, 49610, 3215, 8315, 9154, 18863, 19528, 16606, 25062, 3215, 10943, 7578, 8978, 33251, 2655, 3555, 25062, 3215, 10943, 7578, 7251, 39648, 11536, 4724, 7435, 2407, 31377, 20328, 13063, 37893, 16758, 3224, 3660, 46740, 24192, 31767, 13063, 3660, 12174, 16254, 15042, 12399, 32239, 3794, 29910, 9307, 11296, 20328, 13063, 3660, 37495, 22653, 9122, 15042, 4032, 2288, 3215, 18871, 33688, 2304, 10943, 25124, 31845, 3615, 1829, 14739, 3224, 45164, 14739, 13412, 9778, 9381, 995, 5551, 23557, 13412, 9778, 9381, 995, 45164, 14739, 13412, 9778, 9381, 995, 34051, 12602, 7435, 15040, 5551, 23557, 37495, 22653, 4032, 23557, 25124, 2288, 5551, 23557, 13412, 9778, 9381, 995, 8608, 1211, 27884], "avg_logprob": -0.14399246023646717, 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قال؟ هل هذا يضره؟ هل هذا عرام؟ هل هذا يبطل المعاملة؟ قال إمام الشافعي رحمه الله قال جاهز ذلك", "tokens": [3224, 24192, 21136, 1829, 9640, 3660, 12399, 29538, 33251, 10943, 13546, 995, 12399, 29538, 41950, 995, 12610, 3660, 12399, 1975, 8592, 2655, 16572, 14407, 12399, 6156, 4587, 6027, 21984, 1975, 8592, 2655, 16572, 32239, 29538, 21136, 1211, 27884, 12399, 1975, 8592, 9640, 43761, 25894, 11296, 12399, 4032, 9640, 3555, 3615, 2407, 4117, 9122, 15730, 12399, 46811, 10943, 995, 9122, 9381, 13063, 3660, 9673, 2288, 18513, 5016, 3660, 9673, 9381, 28480, 10632, 12399, 4032, 9640, 3555, 3615, 2407, 4117, 25894, 11296, 9122, 15730, 12399, 3714, 45636, 995, 50239, 22807, 8032, 1211, 23758, 7251, 11242, 2288, 3224, 22807, 8032, 1211, 23758, 6225, 2288, 10943, 22807, 8032, 1211, 23758, 7251, 3555, 9566, 1211, 9673, 3615, 10943, 37977, 22807, 50239, 11933, 2304, 10943, 25124, 31845, 3615, 1829, 12602, 35571, 3224, 21984, 50239, 10874, 40294, 11622, 29910, 23275], "avg_logprob": 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{"start": 899.26, "end": 900.26, "word": " المعاملة؟", "probability": 0.99462890625}, {"start": 900.26, "end": 900.52, "word": " قال", "probability": 0.9677734375}, {"start": 900.52, "end": 900.8, "word": " إمام", "probability": 0.67138671875}, {"start": 900.8, "end": 901.56, "word": " الشافعي", "probability": 0.9384765625}, {"start": 901.56, "end": 902.16, "word": " رحمه", "probability": 0.89794921875}, {"start": 902.16, "end": 902.36, "word": " الله", "probability": 0.9814453125}, {"start": 902.36, "end": 902.64, "word": " قال", "probability": 0.434814453125}, {"start": 902.64, "end": 903.0, "word": " جاهز", "probability": 0.8709309895833334}, {"start": 903.0, "end": 903.4, "word": " ذلك", "probability": 0.871826171875}], "temperature": 1.0}, {"id": 39, "seek": 91413, "start": 904.99, "end": 914.13, "text": "لكن الخلاف في نقطة إيش؟ هل المشتري اللذي طلب شراء هذه السلع هل هو بالخيار أو بالالذام ولا الإشكال؟", "tokens": [1211, 19452, 33962, 15040, 5172, 8978, 8717, 47432, 3660, 11933, 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\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..1dfad89742f2f439c396297b50d71bb6e19e17c1
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/PCUy6QhI4t4_raw.srt
@@ -0,0 +1,1424 @@
+1
+00:00:21,080 --> 00:00:25,700
+بسم الله الرحمن الرحيم الحمد
+
+2
+00:00:25,700 --> 00:00:29,360
+لله رب العالمين والصلاة والسلام على أشرف المرسلين
+
+3
+00:00:29,360 --> 00:00:35,320
+محمد صلى الله عليه وسلم وعلى آله وصحبه ومن احتدى
+
+4
+00:00:35,320 --> 00:00:39,760
+بهديه واستنى بسنته إلى يوم الدين اللهم اننا نسألك
+
+5
+00:00:39,760 --> 00:00:45,380
+الهدى والتقى والعفافة والغنى وان تعلمنا ما ينفعنا
+
+6
+00:00:45,380 --> 00:00:50,500
+وان تنفعنا بما علمتناوأن تيسر لنا أمورنا وأن تشرح
+
+7
+00:00:50,500 --> 00:00:55,120
+لنا صدورنا وتهدينا لما فيه الخير يا رب العالمين
+
+8
+00:00:55,120 --> 00:01:02,560
+وبعد أيها الأخوة الكرام نواصل حديثنافي او عن
+
+9
+00:01:02,560 --> 00:01:09,180
+المرابحة المصرفية والتي كنا وعلى مدار محاضرات ربما
+
+10
+00:01:09,180 --> 00:01:15,660
+عديدة تحدثنا فيها بدءا من الحديث عن المرابحة
+
+11
+00:01:15,660 --> 00:01:20,700
+العادية التي هي أساس للمرابحة
+
+12
+00:01:20,700 --> 00:01:28,500
+المصرفية واصل لهاثم بعد ذلك تحدثنا عن المرابحة
+
+13
+00:01:28,500 --> 00:01:36,640
+المصرفية من حيث بيان حقيقتها و الفرق بينها و بين
+
+14
+00:01:36,640 --> 00:01:44,020
+المرابحة العادية و الخطوات التي تتم بها وصولا إلى
+
+15
+00:01:44,020 --> 00:01:52,400
+بيان أقوال العلماء و عرائهم في المرابحة المصرفية و
+
+16
+00:01:52,400 --> 00:01:59,150
+كنا قد انتهينا من الحديث عنهذا الأمر بمعنى ذكرنا
+
+17
+00:01:59,150 --> 00:02:06,050
+أدلة أو ذكرنا الأقوال والأدلة وعرفنا أن العلماء
+
+18
+00:02:06,050 --> 00:02:06,850
+المعاصرين
+
+19
+00:02:09,350 --> 00:02:17,410
+قد اختلفوا في حكم هذه المسألة او حكم هذه المعاملة
+
+20
+00:02:17,410 --> 00:02:25,750
+على رأيين او على قولين قول يجيزوا التعامل بهذه
+
+21
+00:02:25,750 --> 00:02:34,610
+المعاملة وادرجها ضمن المعاملات الجائزةوهو رأي
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+22
+00:02:34,610 --> 00:02:40,110
+الجمهور وقول آخر منع التعامل بهذه المعاملة
+
+23
+00:02:40,110 --> 00:02:43,250
+واعتبرها من المعاملات المحرمة
+
+24
+00:02:45,710 --> 00:02:51,710
+القول الذي قال بالجواز اعتمد على أدلة أن الأصل في
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+25
+00:02:51,710 --> 00:02:57,390
+المعاملات الإباحة أن الأصل عموم حل البيأة كما ورد
+
+26
+00:02:57,390 --> 00:03:00,890
+في كتاب الله وسنة رسول الله صلى الله عليه وسلم أن
+
+27
+00:03:00,890 --> 00:03:05,810
+المعاملات في الجملة ترعى المصالح وهذه كذلك أن
+
+28
+00:03:05,810 --> 00:03:10,690
+المعاملات في الجملة تيسر على الناس وهذه كذلك فكل
+
+29
+00:03:10,690 --> 00:03:19,160
+الأدلة تعاطبتللتدليل على صحتي وجواز هذه المعاملة
+
+30
+00:03:19,160 --> 00:03:23,500
+في نظرهم ومن هنا خرجوا بالقول بأن المعرابح
+
+31
+00:03:23,500 --> 00:03:31,000
+المصرفية جائزة لكن تم تفريق آخر رأيناه لم يوافقهذا
+
+32
+00:03:31,000 --> 00:03:37,020
+الفريق ولم يقتنع بما ساقه من أدلة وقال بالتحريم
+
+33
+00:03:37,020 --> 00:03:43,120
+واعتمد أدلة متعددة أو استند إلى أدلة قال إن هذه
+
+34
+00:03:43,120 --> 00:03:50,460
+حيلة للتوصل أو للتعامل بالربا قال إن هذه معاملة لم
+
+35
+00:03:50,460 --> 00:03:54,720
+يقول بحلها أحد من العلماء السابقين حتى نستند إلى
+
+36
+00:03:54,720 --> 00:04:02,470
+حلها قالوا إن هذه المعاملةهي باعتين في باعة وقد
+
+37
+00:04:02,470 --> 00:04:06,770
+نهى رسول الله صلى الله عليه وسلم عن ذلك صراحة
+
+38
+00:04:06,770 --> 00:04:13,290
+قالوا ايضا بان هذه المعاملة تتضمن
+
+39
+00:04:15,810 --> 00:04:21,350
+البائع أو اللي هو البنك ما لا يملك وقد نهى كذلك
+
+40
+00:04:21,350 --> 00:04:24,550
+رسول الله صلى الله عليه و سلم عن بيع ما لا يملك
+
+41
+00:04:24,550 --> 00:04:30,870
+قالوا بأن هذه المعاملة مبنية على أساس لزوم أو
+
+42
+00:04:30,870 --> 00:04:36,910
+إلزام الوفاء بالوعد وهذا ما لم يقول به جمهور علماء
+
+43
+00:04:36,910 --> 00:04:38,710
+المسلمين
+
+44
+00:04:40,070 --> 00:04:48,130
+أدلة فيها من المنطقية أدلة تستند إلى نصوص وتستند
+
+45
+00:04:48,130 --> 00:04:55,250
+إلى وقائع جعلتنا في حيرة من من أمرنا
+
+46
+00:04:58,070 --> 00:05:05,090
+تحتاج إلى نظر هنا فريق يقول بالجواز له أدلته
+
+47
+00:05:05,090 --> 00:05:11,970
+القوية هنا فريق يقول بالمنع له أدلته من راجح من
+
+48
+00:05:11,970 --> 00:05:16,410
+بين هذه الأقوال
+
+49
+00:05:18,450 --> 00:05:22,790
+الحقيقة أيها الأخوة لمعرفة الراجح يستدعي الأمر
+
+50
+00:05:22,790 --> 00:05:28,490
+مناقشة الأدل أدلة كل فريق قبل أن يعني العلماء قبل
+
+51
+00:05:28,490 --> 00:05:35,390
+أن يرجحوا يناقشوا وينظروا و بعد ذلك أيه الأدل التي
+
+52
+00:05:35,390 --> 00:05:41,510
+تترجح لديهم أو تظهر قوتها يرجحونها
+
+53
+00:05:43,300 --> 00:05:51,880
+الآن أيها الأخوة الكرام عندما نظر العلماء
+
+54
+00:05:51,880 --> 00:05:59,300
+خلينا نقول الذين لم يكن لهم ضلع في معادا الفريق أو
+
+55
+00:05:59,300 --> 00:06:05,900
+ذاك الآن علماء خلينا نسميهم محيدين كالكاتب اللذي
+
+56
+00:06:05,900 --> 00:06:10,460
+بين يدنا وغيره يعني نظروا في أدلة هؤلاء وأولئك
+
+57
+00:06:10,460 --> 00:06:17,720
+ليرجحوا لنانظروا في أدلة القائلين بالجواز يعني لو
+
+58
+00:06:17,720 --> 00:06:22,400
+نظرنا في أدلة القائلين بالجواز سنجدوا أنها عبارة
+
+59
+00:06:22,400 --> 00:06:31,040
+عن إما قواعد غير قابلة للنقد
+
+60
+00:06:31,040 --> 00:06:37,080
+قواعد أصيلة الأصل في المعاملات الإباحة ما لم يرد
+
+61
+00:06:37,080 --> 00:06:43,830
+محرم ولم يرد كذلك أو نصوص قرآنيةوأحلى الله البايع
+
+62
+00:06:43,830 --> 00:06:49,250
+البايع بقل الاستغراق هذه وقل العموم تستغرقوا كل
+
+63
+00:06:49,250 --> 00:06:54,410
+صور البايع وهذه صورة منها بالاضافة إلى قواعد
+
+64
+00:06:54,410 --> 00:06:58,330
+المصالح والتثير التي لها أصل في كتاب الله وفي سنة
+
+65
+00:06:58,330 --> 00:07:04,130
+رسول الله صلى الله عليه وسلم فلم يجدوا ما يعني ما
+
+66
+00:07:04,130 --> 00:07:10,690
+يناقشون به هذه او ما يعترضون به على هذه الأدلة
+
+67
+00:07:11,340 --> 00:07:19,520
+فبدأت معالم الترجيح تميلوا إلى كفة الجواز بعد
+
+68
+00:07:19,520 --> 00:07:23,460
+النظر إلى أدلة القائلين بالجواز لكن هذا لا يكفي
+
+69
+00:07:23,460 --> 00:07:29,840
+حتى ننظر إلى أدلة القائلين بالمنع
+
+70
+00:07:29,840 --> 00:07:38,360
+عندما نظروا إلى أدلة القائلين بالمنع وجدوا أمرين
+
+71
+00:07:39,220 --> 00:07:44,440
+يعني الأول ما استطيع ان يسميه إجمالي أو وقفوا على
+
+72
+00:07:44,440 --> 00:07:49,460
+أمرين أمر إجمالي حول الأدلة كلها وأمر يتعلق بكل
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+73
+00:07:49,460 --> 00:07:55,780
+دليل على أحدها الأمر الإجمالي وجه نظره فوجدوا أن
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+74
+00:07:55,780 --> 00:08:00,780
+هذه الأدلة عبارة عن أدلة جزئية هناك أدلة كلية
+
+75
+00:08:00,780 --> 00:08:09,620
+قواعدثم إنها في الجملة قابلة للتأويل وليست أدلة
+
+76
+00:08:09,620 --> 00:08:14,280
+قاطعة متفق عليها الجزئيات الأدلة اللي تستدلوا بيها
+
+77
+00:08:14,280 --> 00:08:22,330
+في الجملة يعني جزئيةثم إما أن تكون مختلف فيها أو
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+78
+00:08:22,330 --> 00:08:30,630
+قابلة للتأويل و النظر و مثل هذه الأدلة أو مثل تلكم
+
+79
+00:08:30,630 --> 00:08:37,030
+الأدلة ما تصلحوا أن تكون دليلا قاطعا للقول أو
+
+80
+00:08:37,030 --> 00:08:42,750
+مرجحا للقول بالحل أو بالحرب.الآن بدأت تترجح أكثر و
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+81
+00:08:42,750 --> 00:08:49,330
+أكثر كفة القول بالجواز بعد هذا.أما على التفصيلأما
+
+82
+00:08:49,330 --> 00:08:54,110
+إذا عرضنا أن نفصل قالوا تعالوا لنؤكد ما قلناه احنا
+
+83
+00:08:54,110 --> 00:08:58,170
+من خلال نظرية جمالية لقنا أنها جزئية وأنها هذه
+
+84
+00:08:58,170 --> 00:09:02,890
+أدلتكم أيها المانعون أدلة جزئية وأدلة كما قلت
+
+85
+00:09:02,890 --> 00:09:10,850
+قابلة للنظر قابلة للتأويل وليس طريقة استخدالكم بها
+
+86
+00:09:10,850 --> 00:09:17,070
+هي الطريقة المتفق عليها أو المقتولة بها ربما تكون
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+87
+00:09:17,070 --> 00:09:24,130
+هناك وجهة نظر أخرىتعالوا نشوف أما قولكم بأن هذه ..
+
+88
+00:09:24,130 --> 00:09:29,350
+انتوا قولتوا المانعين قالوا بأن هذه حيلة للتعامل
+
+89
+00:09:29,350 --> 00:09:35,890
+بالربا مش هيك؟ أول دليل السندوق ليه؟ أو بمعنى آخر
+
+90
+00:09:35,890 --> 00:09:41,460
+أنهم اعتبروا أن المرابحةالمصرفية صورة من صور الربا
+
+91
+00:09:41,460 --> 00:09:45,180
+او صورة من صور الوصول او التحالف لكن صورة غير
+
+92
+00:09:45,180 --> 00:09:51,360
+مباشرة صورة غير مباشرة و يعني هما قالوا يعني
+
+93
+00:09:51,360 --> 00:09:55,300
+مباشرة ولا غير مباشرة و لو ان .. و الصلاة اعتبروها
+
+94
+00:09:55,300 --> 00:10:00,720
+يعني شكل من أشكال التحليل زي ما قلنا ليس .. ليس
+
+95
+00:10:00,720 --> 00:10:02,360
+الا لكن
+
+96
+00:10:04,030 --> 00:10:11,390
+من خلال النظر الثاقب لهؤلاء المرجحين قالوا لأني
+
+97
+00:10:11,390 --> 00:10:17,690
+ليس هذا ظلم وهذا يعني تجني على المرابح المصرفية
+
+98
+00:10:17,690 --> 00:10:22,110
+المرابح المصرفية ليست كذلك ليست ربا ولا حتى الوصول
+
+99
+00:10:22,110 --> 00:10:30,330
+إلى الربا ذلك أن المرابح المصرفية تتم بصورة بيئة
+
+100
+00:10:31,510 --> 00:10:40,530
+صحيحة كاملة دقيقة بيع و شراء سواء في مرحلة شراء
+
+101
+00:10:40,530 --> 00:10:51,130
+البنك من الجهة المعينة أو بعد بيعها للمشتري البنك
+
+102
+00:10:51,130 --> 00:10:59,770
+يشتري السلعة من جهة معينة بعقد صحيحو مستقل ثم بعد
+
+103
+00:10:59,770 --> 00:11:06,550
+ذلك يبيعها ايضا بعقد صحيح و مستقل شأن اي بائع شأن
+
+104
+00:11:06,550 --> 00:11:11,870
+اي تاجر شأن اي شخص يبيع و يشتري كما يشتري تاجر
+
+105
+00:11:11,870 --> 00:11:15,930
+المفرق من تاجر الجملة و كما يشتري تاجر الجملة من
+
+106
+00:11:15,930 --> 00:11:20,870
+المصدر او من المورد ثم يبيع لاخر و المعنى ان يشتري
+
+107
+00:11:20,870 --> 00:11:25,730
+شخص من شخص او من جهة ثم يبيع لاخر و يرضح انه وقع
+
+108
+00:11:25,730 --> 00:11:32,690
+في الربحهذا اشترى سلعة ثم باعها بعد ذلك و لا
+
+109
+00:11:32,690 --> 00:11:37,650
+بحافقها، بغض النظر عما إذا كان شرائه لها بناء على
+
+110
+00:11:37,650 --> 00:11:43,310
+أمر من الأول أو لم يكن، هذا لا يكون سببا في الطعن
+
+111
+00:11:43,310 --> 00:12:09,480
+ولا يكون سبيلامن سبل الربا
+
+112
+00:12:09,480 --> 00:12:15,780
+بحال من الأحوال
+
+113
+00:12:15,880 --> 00:12:21,840
+همه اخذت الألف تردها الف و مائتين هذا همه بعد عام
+
+114
+00:12:21,840 --> 00:12:27,070
+و انت كان عامين الف و ثلاثمية و هكذالكن هذا الام
+
+115
+00:12:27,070 --> 00:12:31,450
+هو مختلف، هذا يبيع و يشتري و يتحمل خسارة، تقول بعد
+
+116
+00:12:31,450 --> 00:12:36,350
+ذلك ربع؟ يعني كما قال بني إسرائيل إنما البيع مثل
+
+117
+00:12:36,350 --> 00:12:40,990
+الربع؟ لأ يا عم، وحل الله البيع، وحرّم الربع،
+
+118
+00:12:40,990 --> 00:12:45,770
+الربع شيء آخر، مختلف تماما، أما إذا هذه مثلة،
+
+119
+00:12:45,770 --> 00:12:53,330
+المثلة الثانية، مثلة أنه لم يقل بحل يعني أحد من
+
+120
+00:12:53,330 --> 00:12:58,640
+العلماء القدامىهذا ليس دليلا يمكن أن يعتمد عليه
+
+121
+00:12:59,740 --> 00:13:05,660
+وماذا؟ هذه أصله عمل معاصرة وليس بالضرورة أن يقول
+
+122
+00:13:05,660 --> 00:13:11,080
+بحلها أحد من العلماء السابقين هم لو كانت موجودة
+
+123
+00:13:11,080 --> 00:13:16,780
+قديما وقالوا بالحكم كان خريحون كمعاصرين لكن احنا
+
+124
+00:13:16,780 --> 00:13:19,900
+الآن المعاصرين هم اللي بنقشوها وليس بالضرورة ان
+
+125
+00:13:19,900 --> 00:13:27,680
+يكون القضية معاصرة ان يكون لها حكم مبين عند
+
+126
+00:13:27,680 --> 00:13:29,080
+القدامة
+
+127
+00:13:33,830 --> 00:13:39,810
+ده على العكس يعني عدم وجود قول بالحل ولا بالحرمة
+
+128
+00:13:39,810 --> 00:13:47,050
+يعني وفق القاعدة يرجح القول بالجواز القصده في
+
+129
+00:13:47,050 --> 00:13:52,810
+المعاملات الإباحة بدون ما يكون فيه دليل مش بضرورة
+
+130
+00:13:52,810 --> 00:13:57,740
+يكون في مصرمش بالضرورة يكون فيه دليل على الحل،
+
+131
+00:13:57,740 --> 00:14:02,140
+المهم أن لا يكون دليل عن الحرمة، فليس معناه أن
+
+132
+00:14:02,140 --> 00:14:07,440
+العلماء القدامى لم يتطرقوا إلى حلها أنها حرام
+
+133
+00:14:09,080 --> 00:14:14,480
+بالأكثر من ذلك أننا وجدنا من العلماء القدامى في
+
+134
+00:14:14,480 --> 00:14:21,460
+الكتب القدامى يقولون بجواز صور مشابهة لهذه الصورة
+
+135
+00:14:21,460 --> 00:14:25,840
+قديما، ليس ذاتها صورة يعني كما ورد عن الإمام
+
+136
+00:14:25,840 --> 00:14:31,640
+الشافعي أنه لو أن شخصا أرا شخصا لو أن شخصا أو رجلا
+
+137
+00:14:31,640 --> 00:14:39,860
+أرا يعني ورا الشر أرا شخصا سلعةهذه السيارة، هذه
+
+138
+00:14:39,860 --> 00:14:45,000
+الكاميرا، هذه الطاولة، اشتريوا، فقال الله اشتري لي
+
+139
+00:14:45,000 --> 00:14:49,480
+هذه السلعة، اشارله عليها، واربعوك كذا، تماما كصورة
+
+140
+00:14:49,480 --> 00:14:56,120
+المرادحة المصرفية، واربعوك عليها كذا، ماذا قال؟ هل
+
+141
+00:14:56,120 --> 00:15:00,520
+هذا يضره؟ هل هذا عرام؟ هل هذا يبطل المعاملة؟ قال
+
+142
+00:15:00,520 --> 00:15:06,630
+إمام الشافعي رحمه الله قال جاهز ذلكلكن الخلاف في
+
+143
+00:15:06,630 --> 00:15:11,650
+نقطة إيش؟ هل المشتري اللذي طلب شراء هذه السلع هل
+
+144
+00:15:11,650 --> 00:15:16,450
+هو بالخيار أو بالالذام ولا الإشكال؟لكن مبدأ إن
+
+145
+00:15:16,450 --> 00:15:20,550
+واحد يقنع من واحد يشتري له سلعة ويربحه عليها هذا
+
+146
+00:15:20,550 --> 00:15:26,270
+لا إشكلة فيه وقالوا بحلله نصا صراحة بوضوح إذن بقتت
+
+147
+00:15:26,270 --> 00:15:30,670
+المسألة مسألة فرعية مسألة إنه يعني هل ملزم ولا مش
+
+148
+00:15:30,670 --> 00:15:35,210
+ملزم واحنا عارفين إنه يعني هنشوفها بعد شوية مسألة
+
+149
+00:15:35,210 --> 00:15:42,540
+الزام إذن أصلا المسألة صحيةأصل المسألة. فصارت يعني
+
+150
+00:15:42,540 --> 00:15:46,820
+شوفوا ضيقوا دائرة الخلاف حول ايه؟ حول مسألة
+
+151
+00:15:46,820 --> 00:15:53,080
+الالتمادة والالتزام وعدمه. ثالثا او مثلا دليلهم
+
+152
+00:15:53,080 --> 00:15:56,800
+اللي ساندوا عليه قالوا يا عم أليست هذه عبارة عن
+
+153
+00:15:56,800 --> 00:15:59,520
+بيعتين في بيع وخدناها مش هذا الدليل اللي سادلوا
+
+154
+00:15:59,520 --> 00:16:02,740
+فيه وخدناها رسول الله صلى الله عليه وسلم عن ذلك
+
+155
+00:16:03,900 --> 00:16:08,080
+حقيقة يعني حديقناهي النبي صلى الله عليه وسلم يا
+
+156
+00:16:08,080 --> 00:16:13,330
+أخوه عن بيعتين في بيعة له أكثر من تأويلومن هنا قلت
+
+157
+00:16:13,330 --> 00:16:18,090
+في البداية ان احتمال التأويلات قد يكون هذا لكن
+
+158
+00:16:18,090 --> 00:16:23,270
+يعني الراجح من التأويلات انه ليس المقصود انه اذا
+
+159
+00:16:23,270 --> 00:16:27,350
+ارتبطت بيعت بيعت تصبح البيعتين حرام يعني الآن انا
+
+160
+00:16:27,350 --> 00:16:30,850
+لو اتفق مع واحد ابيعك الشقة بتبعتي واشتري منك
+
+161
+00:16:30,850 --> 00:16:35,850
+الأرض بتبعتي هل يقول احد في نوع من الارتباط يعني
+
+162
+00:16:35,850 --> 00:16:39,370
+في صفقة واحد هل في إشكالية مافيش إشكالية اذا
+
+163
+00:16:39,370 --> 00:16:44,340
+ماالمعنى؟بعض الشرّاح أو كثير من الشرّاح قال لك
+
+164
+00:16:44,340 --> 00:16:49,080
+المقصود أن يكون البيعة السلعة اللى بدنا نبيعها هذه
+
+165
+00:16:49,080 --> 00:16:56,060
+أن يكون لها او اكثر من ثمن اكثر من ثمن ثمانين يعنى
+
+166
+00:16:57,160 --> 00:17:06,700
+و لا يحدد أيهما ولا يحدد أي من هما، لا يحدد، هذه
+
+167
+00:17:06,700 --> 00:17:11,460
+يعني زي ما بيحصل في بعض المحلات، هذه التلاجة بكرا
+
+168
+00:17:11,460 --> 00:17:17,560
+بكل هذه بخمسين بالنقد
+
+169
+00:17:17,560 --> 00:17:25,460
+و بستين مليون cash فيتم الاتفاق بين الباقي و
+
+170
+00:17:25,460 --> 00:17:33,060
+المشتريعلى الشراء دون تحديد الثمن قالوا خلاص اشتغل
+
+171
+00:17:33,060 --> 00:17:36,220
+بدي اشتغل و اتوكل على الله و ماقالوش لا اما بدي
+
+172
+00:17:36,220 --> 00:17:41,180
+اشتغل في كيش ولا او نجدي ولا اما ولا بالخمسين ولا
+
+173
+00:17:41,180 --> 00:17:48,190
+بالستين فظل الثمن ايش مجهولمش عارف اين، هو لو
+
+174
+00:17:48,190 --> 00:17:52,250
+تحدد، لو تعين، خلاص انتهت، لأنه صار فيه تعيين وده،
+
+175
+00:17:52,250 --> 00:17:56,030
+لكن فكان يعني بعض الشراح جاله المقصود باعتين في
+
+176
+00:17:56,030 --> 00:18:01,550
+باعة يعني كأنه البيعة، يعني أهم يميز البيعة ثمنها،
+
+177
+00:18:01,550 --> 00:18:07,890
+يعني كان المقصود ثمانين في باعة واحدةوهذا بالتأكيد
+
+178
+00:18:07,890 --> 00:18:14,050
+يضغوا أو يعودوا بالإبطال على البيع نعم لأن في
+
+179
+00:18:14,050 --> 00:18:19,870
+جهالة وشروط صحة البيع أن يكون الثمن معلوما لكن لما
+
+180
+00:18:19,870 --> 00:18:26,350
+يكون أكثر من ثمن مطروح ويتم الاتفاق على البيع دون
+
+181
+00:18:26,350 --> 00:18:32,880
+تحديدالثمن تصبح وقت لكن احنا في باقي المرابح
+
+182
+00:18:32,880 --> 00:18:37,880
+حقيقية تم تحديد الثمن بوضوح وبتحديد وليس من باب
+
+183
+00:18:37,880 --> 00:18:43,850
+وبالتالي لا ينطبقوا او لا ينسحقوا عليه هذاال .. ال
+
+184
+00:18:43,850 --> 00:18:49,690
+.. الحديث ما سألت أنه يبيعوا أن هذه تتضمن بيئ مال
+
+185
+00:18:49,690 --> 00:18:54,170
+يملك بيئ مال يملك قالوا هذا من ضمن أدلتهم على
+
+186
+00:18:54,170 --> 00:18:59,830
+اعتبار أنه عندما جاء المقدم الطالب للشراء للبنك لم
+
+187
+00:18:59,830 --> 00:19:04,390
+يكن .. لم تكن السلعة موجودة فهم يتهموا أو قالوا يا
+
+188
+00:19:04,390 --> 00:19:11,170
+عم هذا يبيع مال يملك وليس صحيحا أقول فرق بين الوعد
+
+189
+00:19:11,170 --> 00:19:17,420
+والعقدهو وعده، وهذا طلب منهم أن يشتري له، وهذا
+
+190
+00:19:17,420 --> 00:19:22,880
+وعده أن يبيعه، هذا الوعد ليس ملزم، وهذا الطلب ليس
+
+191
+00:19:22,880 --> 00:19:31,200
+عقداوهو بوعده هذا لم يبيع فما ينطبق عليه ما نهج
+
+192
+00:19:31,200 --> 00:19:37,360
+عنه النبي صلى الله عليه وسلم يعني من أن يبيع
+
+193
+00:19:37,360 --> 00:19:42,920
+الإنسان ما لا يملك هو لم يبيع بقبوله طلب الشراع لم
+
+194
+00:19:42,920 --> 00:19:48,040
+يبيع لم يعقد وإنما وعده هل في ذلك خلاص والله واحد
+
+195
+00:19:48,040 --> 00:19:53,120
+جالي ألف دينار أدان جاله بسيط ولا يهمك الله يدبرلك
+
+196
+00:19:54,770 --> 00:20:04,010
+هل تم الأمر؟ لم يتم، لكن هو لما انبعى، متى باع؟
+
+197
+00:20:04,010 --> 00:20:10,410
+ألم يبيع؟ وهذا ذكره صعيبون، ألم يتم البيع بعد أن
+
+198
+00:20:10,410 --> 00:20:18,570
+اشتر السلع وتملكها؟فكيف تقولون بأنه يعني يبيع ما
+
+199
+00:20:18,570 --> 00:20:23,170
+لا يا عمي هو باع ما يملك بعد أن اشتراه ودخل في
+
+200
+00:20:23,170 --> 00:20:29,410
+ملكيته ولكن سيكون شرطا يعني من الشروق لصحة المرابح
+
+201
+00:20:30,610 --> 00:20:39,210
+إذن هو أباعة ما يملك ثم أيها الأخوة الكرام قبل ال
+
+202
+00:20:39,210 --> 00:20:44,170
+.. احنا يمكن في واحدة ماشوفنهاش أو دليل مانقشنهوش
+
+203
+00:20:44,170 --> 00:20:50,350
+قبل الأخير وهو أنه بيع قالوا من دم الأدلة قالوا
+
+204
+00:20:50,350 --> 00:20:56,360
+هذه صورة من صور بيع بيورة قلليناصورة من صور بيوع
+
+205
+00:20:56,360 --> 00:21:00,980
+العينة التي نهي عنها النبي صلى الله عليه وسلم وهذه
+
+206
+00:21:00,980 --> 00:21:05,520
+شبه بالبند الأول يا إخوة اللي هو حيلة الربا لأنه
+
+207
+00:21:05,520 --> 00:21:14,260
+أنهي عن بيوع العينة لأنه حيلة للوصول إلى الربا لكن
+
+208
+00:21:14,260 --> 00:21:19,020
+هنا يقال أو يمكن أن نقول بأن صورة بيع المرابعة
+
+209
+00:21:19,020 --> 00:21:25,640
+تختلفاختلافا كبيرا عن بيالعينة في بيالعينة اولا
+
+210
+00:21:25,640 --> 00:21:32,980
+انتبهوا في بيالعينة يكون مقصود يعني للمشتري المال
+
+211
+00:21:32,980 --> 00:21:38,620
+وانا ذكرتلكم ايش صورة بيالعينة بيالعينة يذهب انسان
+
+212
+00:21:38,620 --> 00:21:43,660
+يريد مالا فلا يجد من يعطيه فيذهب ليشتري بضاعة او
+
+213
+00:21:43,660 --> 00:21:52,010
+سلعة معينة داينا ثم يعودواببيعها لنفس من اشتراها
+
+214
+00:21:52,010 --> 00:22:00,430
+منه نقدا بسعر اقل بسعر اقل يشتريها بالف فيما
+
+215
+00:22:00,430 --> 00:22:04,210
+يبيعها له بعد ذلك بعد ساعة من الزمن وربما عن سابق
+
+216
+00:22:04,210 --> 00:22:10,750
+اتفاق بثمانمائة هذا فعلا واضح انه حيلة للربع ومن
+
+217
+00:22:10,750 --> 00:22:17,550
+هنا كان التحريمفهذا يقصد و ثم إن عملية البيع يعني
+
+218
+00:22:17,550 --> 00:22:22,830
+فعلا تبدو يعني واضحة إن الشقلية والصورية اشتراها
+
+219
+00:22:22,830 --> 00:22:29,290
+ورجعها يعني وإن بس هو بده أخد ال 800 دنار على أساس
+
+220
+00:22:29,290 --> 00:22:35,990
+يرجعها الألف لكن هل هذا .. هل هذه الصورة هي ذات
+
+221
+00:22:35,990 --> 00:22:40,230
+صورة المرابعة المصرفية؟ طب هذا يشتري السلعة لأنه
+
+222
+00:22:40,230 --> 00:22:45,720
+يريدهاو احنا عن سؤال كمان من الشروط انه اذا كان
+
+223
+00:22:45,720 --> 00:22:53,640
+المشتري و المرابحة مابدوش السلعة، لا تصحوا
+
+224
+00:22:53,640 --> 00:23:00,680
+المرابحة، انا بد السلعةشراء عادي مش بدى فلوس بدى
+
+225
+00:23:00,680 --> 00:23:03,920
+نقل أنا بدى .. بدى السيارة بدى أشغل عليها بدى
+
+226
+00:23:03,920 --> 00:23:10,600
+السيارة بدى يعني تفيدني أو تساعدني لأحمل ولادي و
+
+227
+00:23:10,600 --> 00:23:15,720
+أسافر فيها بدى قطعة الأرض بدى الجهاز الكمبيوتر بدى
+
+228
+00:23:15,720 --> 00:23:19,420
+.. ثم إنه لا تتم عملية يعنى هذا يشتري من الشخص و
+
+229
+00:23:19,420 --> 00:23:21,920
+يبيع ليه الشخص الآخر و ليس لذات الشخص إذا انت
+
+230
+00:23:21,920 --> 00:23:26,150
+اختلفتختلف بالكلية على صورة .. فلا تتشابه .. اللي
+
+231
+00:23:26,150 --> 00:23:30,410
+بده يجيه الصورة على صورة، اللي بده يكون في وجوه
+
+232
+00:23:30,410 --> 00:23:35,810
+القياس واضحة ومتطابقة، وليس الأمر كذلك. أخيرًا،
+
+233
+00:23:35,810 --> 00:23:45,400
+وهو أهم دليل استند إليه المانعوناللي هم مثلا لزوم
+
+234
+00:23:45,400 --> 00:23:51,340
+الوفاء بالوعد مش احنا جولنا في خطوات المرابحة في
+
+235
+00:23:51,340 --> 00:23:57,160
+خطوة الوعد الملزم التوقيع على الوعد لما بيقدم طلب
+
+236
+00:23:57,160 --> 00:24:01,620
+الشراء و بوافق عليه بيقولوا تعالي وكّلنا على
+
+237
+00:24:01,620 --> 00:24:07,300
+التزام بالشراء بالوفاء بالشراء احنا مش بنجيب
+
+238
+00:24:07,300 --> 00:24:13,280
+القطعة و بنحطها في المخزن بنجيبها بشرطان انت
+
+239
+00:24:13,280 --> 00:24:21,280
+تشتريها مادامت بالصفة اللتي طلبت او مادامت هي عين
+
+240
+00:24:21,280 --> 00:24:27,620
+السلعة اللتي طلبت فهذا الاتزام العقيقة هذا الاتزام
+
+241
+00:24:27,620 --> 00:24:33,570
+يا اخوة في الاصليعني غير واجب يعني على رأي الجمهور
+
+242
+00:24:33,570 --> 00:24:36,970
+يعني جمهور العلماء وانت شوفتوا كلام الإمام الشافعي
+
+243
+00:24:36,970 --> 00:24:40,910
+قبل بشوية لما إذا أرى الرجل الرجلة طلب منه يعني أن
+
+244
+00:24:40,910 --> 00:24:45,250
+يشتري سلعة فاشتراها له يعني لا بأس في ذلك لكن
+
+245
+00:24:45,250 --> 00:24:51,650
+المشتري بالخيار الأصل أن المشتري بالخيار لكن لو
+
+246
+00:24:51,650 --> 00:24:56,250
+المشتري بالخيار هل سيوافق البنك على مبدأ الشراء
+
+247
+00:24:56,250 --> 00:25:02,910
+ومبدأ عملية المرابحة مش هيوافقالشيء الثاني، هل هذا
+
+248
+00:25:02,910 --> 00:25:08,250
+القول بأنه بالخيار هو قول متفق عليه؟ برضه لا، صحيح
+
+249
+00:25:08,250 --> 00:25:14,210
+وراء الجمهور، لكن ثمت أقوال لأئمة كباريعني قالوا
+
+250
+00:25:14,210 --> 00:25:18,770
+بلزوم، بلزوم الوفاة بالوعد في مثل هذه الحالات، كان
+
+251
+00:25:18,770 --> 00:25:22,070
+لبعض الحنفية وبعض المالكية، والتفاصيل عندكم في
+
+252
+00:25:22,070 --> 00:25:26,670
+الهوا مش .. مش أخش فيه، يعني هناك علماء كثر قالوا
+
+253
+00:25:26,670 --> 00:25:31,470
+بأن الوفاة بالوعد لازم خاصة إذا ترتب على أدم
+
+254
+00:25:31,470 --> 00:25:42,320
+الوفائي الحاق بالضرر أو إذاإذا كان المورود كالبنك
+
+255
+00:25:42,320 --> 00:25:48,340
+أو غيره قد تلبس بعملية الشراء بالفعل فالأمر يعني
+
+256
+00:25:48,340 --> 00:25:52,580
+في أراء طب احنا يا سيدي هو مش بالضرورة كلام
+
+257
+00:25:52,580 --> 00:25:56,160
+الجمهور دايما دايما يكون هو الراجح قد يكونوا راجحا
+
+258
+00:25:56,160 --> 00:26:00,860
+في فترة في فترة لكن احنا الآن يا اخوة نعيش في زمن
+
+259
+00:26:01,660 --> 00:26:07,680
+يعني نحتاج فيه الاتثير على الناس يعني ظهرت فيه
+
+260
+00:26:07,680 --> 00:26:13,160
+المادة إذا لم نقل بهذه .. عدم القول بهذا الرأي
+
+261
+00:26:13,160 --> 00:26:18,480
+سيلغي المرابحة والناس بعد ذلك بين خيارين إما أن
+
+262
+00:26:18,480 --> 00:26:28,360
+يذهبوا للبنوك الربوية أو يضعوا أيديهمو يشبكوها ولا
+
+263
+00:26:28,360 --> 00:26:34,260
+يحققوا حجرياتهم ولا أهدافهم وبالتالي في حرج حرج
+
+264
+00:26:34,260 --> 00:26:38,780
+شديد على الناس والقاعدة العامة في التشريع ما جعل
+
+265
+00:26:38,780 --> 00:26:42,500
+الله عليكم في الدين من حرج، إذا هذا الرأي وإن كان
+
+266
+00:26:42,500 --> 00:26:49,040
+رأي يعني ليس رأي الجمهور الذي يقول بالالزاميتناغم
+
+267
+00:26:49,040 --> 00:26:53,980
+مع قواعد شرعية، قواعد التيثير وقواعد المصبحة، فلمن
+
+268
+00:26:53,980 --> 00:26:59,460
+يأخذ به؟ يا سيدي أنا عندي .. أنا بقولك، لما نكون
+
+269
+00:26:59,460 --> 00:27:05,860
+في زمن من الأزمنة، في مجال للإقراض الحسن للناس،
+
+270
+00:27:05,860 --> 00:27:11,020
+أنا بدي أقول المرادحة ممنوعة، لكن اليوم، من يدين
+
+271
+00:27:11,020 --> 00:27:16,640
+أحد؟ من يقرب من الناس أحدا؟ لا أحد يقرب أحد، في
+
+272
+00:27:16,640 --> 00:27:22,920
+الغالب يعنيفالناس مضطرون إلى هذا لكن حتى بدون
+
+273
+00:27:22,920 --> 00:27:27,920
+اضطرار فهذا الزمن أيها الأخوة نحتاج فيه إلى فتاوى
+
+274
+00:27:27,920 --> 00:27:34,020
+التيسير مادام وليس التسيب بالطبع مادام هناك متسع
+
+275
+00:27:34,020 --> 00:27:39,840
+ومادام هناك تخرج ومادام هناك أقوال لفقهاء ونجد
+
+276
+00:27:39,840 --> 00:27:44,700
+هناك أن من يقول بأن الوعد يكون ملزما ولحظوا يا
+
+277
+00:27:44,700 --> 00:27:47,910
+أخوة لماذا لا يكون الوعد ملزما إذا كان حدما
+
+278
+00:27:47,910 --> 00:27:51,750
+توقعيني بأنها غير ملزمة، يقولون باستحباها
+
+279
+00:27:51,750 --> 00:27:57,050
+بالالتزامالجمهور الذين لم يكونوا بالالذام قالوا
+
+280
+00:27:57,050 --> 00:28:02,810
+بإيه باستحبابه وإنه يعني مستحب دينا و أخلاقا و
+
+281
+00:28:02,810 --> 00:28:06,830
+أدبا فإذا كان أدبا و أخلاقا و آية المنافق ثلاث،
+
+282
+00:28:06,830 --> 00:28:13,130
+إذا وعد كذا، إذا وعد أخلف، يعني من يرضى؟ لماذا لا
+
+283
+00:28:13,130 --> 00:28:20,510
+يكونوا كذلك ملزما قضاعا و شرعا و معاملاتا؟ لماذا؟و
+
+284
+00:28:20,510 --> 00:28:27,690
+.. فإذا بعد هذا يا أخوة كله يعني أصبح هناك ده يعني
+
+285
+00:28:27,690 --> 00:28:34,950
+أقول اطمئنان إلى القول برجحان من .. رأي من قال
+
+286
+00:28:34,950 --> 00:28:43,190
+بجوازي ايه المرابحة المصرفية وما ذلكفإنهم عندما
+
+287
+00:28:43,190 --> 00:28:50,450
+قالوا بما قالوا من الجواز وضعوا ضوابط أو شروط يعني
+
+288
+00:28:50,450 --> 00:28:56,590
+كمان شوفوا يعني يعني أخوال قائلين بالجواز لم يكنوا
+
+289
+00:28:56,590 --> 00:29:03,530
+يعني متسيبين ولا بمعنى آخر تاركين الأمر على عواهنه
+
+290
+00:29:03,530 --> 00:29:09,460
+وفتح الأبواب على مصراعها لأيعملوا جائزة لكن دي
+
+291
+00:29:09,460 --> 00:29:13,460
+ربالكوا في واحد اتنين تلاتة في ضوابط اياكوا اذا اي
+
+292
+00:29:13,460 --> 00:29:19,060
+خلل في اي ضابط تصبح المرابحة او هذه المعاملة غير
+
+293
+00:29:19,060 --> 00:29:22,340
+جائزة احنا مش مسئولين عنها احنا بنقول المرابحة
+
+294
+00:29:22,340 --> 00:29:27,720
+جائزة عندما تكتمل ضوابطها عندما تكتمل شروطها عندما
+
+295
+00:29:27,720 --> 00:29:31,720
+تسير في خطواتها التي ذكرها الفقهاء
+
+296
+00:29:33,410 --> 00:29:39,350
+وأهم هذه الضوابط التي أشار
+
+297
+00:29:39,350 --> 00:29:45,130
+إليها العلماء أو يعني يمكن هي الضوابط اللي احنا في
+
+298
+00:29:45,130 --> 00:29:48,390
+طياب حديثنا أشارنا إليها لكن نحب أن نؤكد ونركز
+
+299
+00:29:48,390 --> 00:29:57,670
+عليها أولا أن لا يبيع البنك البضاعة إلا إذا قبضها
+
+300
+00:29:57,670 --> 00:30:05,610
+هذا واضحوهذا فيه رد على من قال بأن البنك يبيع ما
+
+301
+00:30:05,610 --> 00:30:10,750
+لا يملك، لأ يا عم، احنا شرطنا ان لا يبيع الا بعد
+
+302
+00:30:10,750 --> 00:30:18,300
+ان يملك، الا بعد ان يخرج البضاعةأما يعني يسلم
+
+303
+00:30:18,300 --> 00:30:22,740
+الجمل بما حمل للمشتري كل روح و أي مصاري مش هينفع
+
+304
+00:30:22,740 --> 00:30:28,320
+لابد أن تكون هناك عملية بيع و شراء حقيقية من قبل
+
+305
+00:30:28,320 --> 00:30:33,440
+البنت يذهب إلى المكان أو إلى السلع يشتريها و
+
+306
+00:30:33,440 --> 00:30:38,080
+يقبضها يتسلمها سواء في المكان أو في مكان آخر وبعد
+
+307
+00:30:38,080 --> 00:30:45,120
+ذلك يبيعهاأما أن يبيعها قبل أن يشتريها، ما بيصح،
+
+308
+00:30:45,120 --> 00:30:50,820
+كأنه باع ما لا يملك بالفعل، أو باع ما ليس عنده،
+
+309
+00:30:50,820 --> 00:30:55,640
+فهذا شرط ينبغي أن ينتبه إليه، ينتبه إليه المشتري
+
+310
+00:30:55,640 --> 00:30:58,480
+وينتبه إليه البنك، الموظفين في البنك لابد أن
+
+311
+00:30:58,480 --> 00:31:03,540
+ينتبهوا إليه، والزبون الذي يطلب حتى لو قام البنك
+
+312
+00:31:03,540 --> 00:31:08,380
+بمخالفة، ينبغي أن ينبه إلى ذلك، لأ يا عم، ما بيصحش
+
+313
+00:31:09,860 --> 00:31:16,580
+إثنين، أن .. أن لا يكون الثمن في بيئة المرابعة
+
+314
+00:31:16,580 --> 00:31:20,320
+قابلة للزيادة في حالة بعجلة عن السدادة هذه قصة
+
+315
+00:31:20,320 --> 00:31:27,780
+بالحقيقة قصة يعني حساسة عندما بدأت البنوك
+
+316
+00:31:27,780 --> 00:31:33,520
+الإسلامية في غزة تعمل يعني واجهت إشكالية إن طيب
+
+317
+00:31:33,520 --> 00:31:41,150
+ماذا لو أن المشتريماذا لو أنا المشتري يعني توقف
+
+318
+00:31:41,150 --> 00:31:46,130
+عاجزة عن السداد، وقفت الجبضة، مرات في فترة من
+
+319
+00:31:46,130 --> 00:31:51,850
+فترات وقفوا الجبضات او يعني مراكن ع تجارة خسرت
+
+320
+00:31:51,850 --> 00:31:56,090
+كذا، لم يستطع لأي سبب من الأسباب، لم يستطعت تسديد
+
+321
+00:31:57,260 --> 00:32:01,820
+فكانوا بيسألوا هم لسه في البدايات البنوك إدارات
+
+322
+00:32:01,820 --> 00:32:05,400
+البنوك يسألوا لجان الفتاة او كنتوا مشاركا في ذلك
+
+323
+00:32:05,400 --> 00:32:12,100
+الوقت فقالوا يعني هل لنا أن نعطي الزبون المشتري
+
+324
+00:32:12,100 --> 00:32:20,260
+مدة أطول ونزيد عليه في الثمن؟اه لأ هنخش في الربع
+
+325
+00:32:20,260 --> 00:32:25,260
+لأنه هتصير نفس صورة الربع ازيدك في الأجل وتزيده دي
+
+326
+00:32:25,260 --> 00:32:29,820
+في الثمن لأ يا عم الثمن بقى قد ما يتحدد خلاص لا
+
+327
+00:32:29,820 --> 00:32:33,160
+بيزيد ولا بانجز الان يا قدامي انت واحد انت ألف
+
+328
+00:32:33,160 --> 00:32:37,320
+دينار وكلك بتسددهم بعد سنة وماقدرتش تسددهم بعد سنة
+
+329
+00:32:37,320 --> 00:32:43,500
+هل اجوزوا لك ان .. ان تقولوا والله السنة يعني ألف
+
+330
+00:32:43,500 --> 00:32:49,830
+ومية عشان اتأخرت لأاحنا ديننا يعني فإن كان ذو عسرة
+
+331
+00:32:49,830 --> 00:32:56,690
+فنظرته إلى ميسره، هو متعجب يعني مابدوش سد، هو صاحب
+
+332
+00:32:56,690 --> 00:33:01,410
+ميسره ومابدوش سد في محاكم ارفعلي قضية ارفعلي محكمة
+
+333
+00:33:01,410 --> 00:33:05,540
+وممكن في هذه الحالة فيه ميتحلوا حلحتى بعض العلماء
+
+334
+00:33:05,540 --> 00:33:09,040
+أجازوا تعويض يعني ممكن تقولك اتضرر يعني إذا كان
+
+335
+00:33:09,040 --> 00:33:12,740
+مثلا في بعض البنوك مثلا إذا كان يعني ظاهرة عامة
+
+336
+00:33:12,740 --> 00:33:17,340
+ومجموعة كبيرة تخلفوا لسبب أو لآخر عن التسديد البنك
+
+337
+00:33:17,340 --> 00:33:22,730
+اتضرر وقع فيه إشكالات ممكن تشكل لجاملتقدير الأضرار
+
+338
+00:33:22,730 --> 00:33:29,510
+وتعويب الجهة المتضررة بشيء اما انه انا اتركها يعني
+
+339
+00:33:29,510 --> 00:33:35,570
+متوالية حسابية زيبني و ازيدك بخش في الربع اذا لا
+
+340
+00:33:35,570 --> 00:33:42,250
+يجوز انه ولا يقبل هذا وهذا ما تم يعني الالتزام بيه
+
+341
+00:33:42,250 --> 00:33:46,790
+حقيقة في قبله ولذلك البنوك اليوم تحاول ان تأخذ
+
+342
+00:33:46,790 --> 00:33:55,790
+الاحتياطات الكبرىاحتياطات الكاملة يعني .. بالنحيث
+
+343
+00:33:55,790 --> 00:34:00,070
+التي تضمن الاستمرارية في السداد لأنه عارف ان في
+
+344
+00:34:00,070 --> 00:34:06,250
+حالة عاجز خلاص بدهم يتحمل لازم كفلة و لازم مرتب و
+
+345
+00:34:06,250 --> 00:34:11,950
+لازم كذا الشرط الثالث او الضابط الثالث اللي يكون
+
+346
+00:34:11,950 --> 00:34:18,030
+بيع المرابحة اللي يكون ذريعة للحصول على المال زي
+
+347
+00:34:18,030 --> 00:34:22,920
+بيع العينة يعنيمايكونش سيارة .. لكن لو الشخص يا
+
+348
+00:34:22,920 --> 00:34:32,260
+اخوة .. لو الشخص اشتر السلعة بنية انه يريد السلعة
+
+349
+00:34:32,260 --> 00:34:37,440
+و بعد ذلك لم تعد .. لم يعد في حاجة لها فبقى على
+
+350
+00:34:37,440 --> 00:34:41,420
+إشكل يعني واحد اشتر سيارة عشان انه يشغل عليها و
+
+351
+00:34:41,420 --> 00:34:45,780
+كان مخلص من كل الوظيفة بعد ان صحت وظيفةولم يعد في
+
+352
+00:34:45,780 --> 00:34:50,860
+عجل السيارة وبقى مافيش إشكال، إذا هذه هي الشروط
+
+353
+00:34:50,860 --> 00:34:55,240
+وبالتالي يعني ينبغي أن نتنبه للمخالفات التي تقع
+
+354
+00:34:55,240 --> 00:35:00,380
+فيها البنوك والموظفين في البنوك، احنا بهيك نكون
+
+355
+00:35:00,380 --> 00:35:05,000
+خلصنا ومجمع الفقه الإسلامي يا إخوة يعني قال بجواز
+
+356
+00:35:05,000 --> 00:35:09,480
+هذه المعاملة وفق الشروط التي ذكرناها، شكرا
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RVTEQ_C1j4Y.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RVTEQ_C1j4Y.srt
new file mode 100644
index 0000000000000000000000000000000000000000..47af70d57621de3194d1f410e63c137df61f737a
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RVTEQ_C1j4Y.srt
@@ -0,0 +1,1318 @@
+
+1
+00:00:20,910 --> 00:00:23,510
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:23,510 --> 00:00:28,790
+على رسول الله وعلى آله وصحبه ومن احتدى بهديه وسَنَّته
+
+3
+00:00:28,790 --> 00:00:33,650
+إلى يوم الدين. لازلنا
+
+4
+00:00:33,650 --> 00:00:45,750
+نتحدث عن أدلة العلماء في حرمة التأمين التام
+
+5
+00:00:46,880 --> 00:00:50,940
+انتهينا في المحاضرة السابقة من بيان أدلة
+
+6
+00:00:50,940 --> 00:00:57,420
+القائلين بحرمة التأمين ومناهجهم، وهم جمهور علماء
+
+7
+00:00:57,420 --> 00:01:04,580
+المعاصرين. وقلنا بأنهم استدلوا بكثير من الأدلة،
+
+8
+00:01:04,580 --> 00:01:08,580
+رئيسها أن هذا العقد يشتمل على الغرر، وأن هذا العقد
+
+9
+00:01:08,580 --> 00:01:13,240
+يشتمل على الربا بأنواعه المتعددة، وأن هذا العقد
+
+10
+00:01:13,240 --> 00:01:19,510
+يشتمل على الميسر والقمار، وأن فيه تحديًا للقدر الإلهي.
+
+11
+00:01:19,510 --> 00:01:24,810
+أضافوا إلى ذلك مزيدًا من الأدلة من خارج الكتاب
+
+12
+00:01:24,810 --> 00:01:28,250
+فقالوا:
+
+13
+00:01:28,250 --> 00:01:30,130
+بأن هذا العقد
+
+14
+00:01:32,760 --> 00:01:38,120
+بيع للأمان، والأمان لا يباع ولا يشترى.  أن هذا العقد
+
+15
+00:01:38,120 --> 00:01:41,780
+بيع دين بدين، وقد نهى رسول الله صلى الله عليه
+
+16
+00:01:41,780 --> 00:01:46,640
+وسلم عن ذلك عندما  وقع بيع الكالق بالكالق، وهو ما
+
+17
+00:01:46,640 --> 00:01:53,540
+فسره شراح الحديث ببيع الدين بالدين. وإضافة إلى ذلك،
+
+18
+00:01:53,540 --> 00:01:57,860
+أنه من باب الزام ما لا يلزم، كما ذكر ابن عابدين، حيث
+
+19
+00:01:57,860 --> 00:02:05,240
+إنه يغرم ويضمن شركة التأمين أو المؤمّن بما لا
+
+20
+00:02:05,240 --> 00:02:11,740
+يلزمها به الشرع، حيث إن الشرع إنما يلزم المتسبب
+
+21
+00:02:11,740 --> 00:02:22,760
+بالتلف بالتعويض. ثم أضفنا أيضًا دليلًا آخر، وهو
+
+22
+00:02:22,760 --> 00:02:29,340
+تلك المفاسد الكثيرة التي تترتب على عقد التأمين من
+
+23
+00:02:29,340 --> 00:02:35,620
+تزوير وتدليس وتحايل وإهدار
+
+24
+00:02:35,620 --> 00:02:42,340
+للأموال، فهي كثيرة. كلّ مجموع هذه الأدلة، وربما غيرها،
+
+25
+00:02:42,340 --> 00:02:50,760
+أقنع هذا الفريق بالقول بالتحريم،
+
+26
+00:02:51,820 --> 00:02:57,540
+ولم يلتفتوا إلى بعض المصالح. ليس معنا أيها الإخوة
+
+27
+00:02:57,540 --> 00:03:01,940
+أن هذا الفريق يقول بالتحريم لأنه لا يرى وجود مصالح،
+
+28
+00:03:01,940 --> 00:03:07,740
+هو يرى وجود بعض المصالح، لكن هذه المصالح لم ترتقِ
+
+29
+00:03:07,740 --> 00:03:14,310
+إلى عظم هذه المفاسد، وقوة هذه الأدلة.  فهذه
+
+30
+00:03:14,310 --> 00:03:18,550
+المفاسد
+
+31
+00:03:18,550 --> 00:03:23,490
+يعني كثيرة، أو هذه المصالح، آسف، لم تذكر أمامكم،
+
+32
+00:03:23,490 --> 00:03:30,470
+المصالح، وأمامكم الأدلة الواضحة التي انبنى عليها
+
+33
+00:03:30,470 --> 00:03:33,850
+القول بالتحريم. أما القائلون بالجواز،
+
+34
+00:03:38,310 --> 00:03:43,950
+فقد استدلوا كذلك بمجموعة من الأدلة. قولنا إنهم إنهم
+
+35
+00:03:43,950 --> 00:03:49,750
+استدلوا بـ.. بثلاثة
+
+36
+00:03:49,750 --> 00:03:55,470
+أو نستطيع أن نقول إنهم استدلوا بثلاثة أدلة رئيسية.
+
+37
+00:03:55,470 --> 00:04:00,310
+يعني مجمل هذه الأدلة التي بين أيدينا. الدليل الأول:
+
+38
+00:04:00,310 --> 00:04:03,550
+أن الأصل في المعاملات الإباحة.
+
+39
+00:04:07,010 --> 00:04:15,850
+الدليل الثاني: المصلحة. الدليل الثالث: القياس. هذه
+
+40
+00:04:15,850 --> 00:04:22,860
+الأدلة بإيجاز. نعود. أما دليلهم الأول فهو أن الأصل
+
+41
+00:04:22,860 --> 00:04:26,840
+يعني ربما بعضها غير موجود أو موجود ضمن طيات الكلام.
+
+42
+00:04:26,840 --> 00:04:30,900
+أنا يعني أستطيع أن أفندها على الشكل التالي: أولًا أن
+
+43
+00:04:30,900 --> 00:04:34,600
+الأصل في المعاملات الإباحة، وهذا ما ذكرناه ربما في
+
+44
+00:04:34,600 --> 00:04:39,960
+محاضراتنا الأولى من خصائص المعاملات إن كنتم تذكرون
+
+45
+00:04:39,960 --> 00:04:45,760
+أن الأصل فيها الإباحة والحل، خلافًا للمُحْرَمات. ذلك أن
+
+46
+00:04:45,760 --> 00:04:54,180
+كل زمان وكل مكان تتجدد فيه المعاملات، ويحتاج الناس
+
+47
+00:04:54,180 --> 00:05:01,900
+فيه إلى عقود جديدة، وليس بالضرورة أن كل عقد يكون فيه
+
+48
+00:05:01,900 --> 00:05:07,870
+نص على شرعيته. المهم أن لا يكون هناك نص على حرمته.
+
+49
+00:05:07,870 --> 00:05:13,970
+فما لم يكن هناك، فالعقد الذي لم يرد فيه نص يدل على
+
+50
+00:05:13,970 --> 00:05:19,050
+حرمته، فإن حكمه هو الإباحة، بناءً على أننا أصلاً في
+
+51
+00:05:19,050 --> 00:05:25,480
+المعاملات الإباحة. وهذا العقد لم يرد فيه نص لا في
+
+52
+00:05:25,480 --> 00:05:29,680
+كتاب الله ولا في سنة رسول الله صلى الله عليه وسلم
+
+53
+00:05:29,680 --> 00:05:36,940
+بالتحريم. لم نجد أبدًا نصًا يقول إن التأمين محرم، أو
+
+54
+00:05:36,940 --> 00:05:45,720
+حديثًا يقول إن التأمين محرم. فلذلك،
+
+55
+00:05:45,720 --> 00:05:52,640
+نحن نقول بالجواز. هذا هو الدليل الأول. أما الدليل
+
+56
+00:05:52,640 --> 00:06:00,430
+الثاني فهو المصلحة.  وهو المصلحة. وتفصيل الكلام هنا
+
+57
+00:06:00,430 --> 00:06:07,710
+أنه لما كانت الأحكام الشرعية مبنية على رجحان
+
+58
+00:06:07,710 --> 00:06:14,770
+المصالح أو المفاسد، فكل ما رجحت فيه المصلحة كان الحكم
+
+59
+00:06:14,770 --> 00:06:19,010
+بالإباحة أو الحل أو الاستحباب، وكل ما رجحت فيه المفسدة
+
+60
+00:06:19,010 --> 00:06:25,030
+كان العكس. ونحن عندما نظرنا إلى التأمين وجدنا أن ثمة
+
+61
+00:06:25,030 --> 00:06:32,330
+مصالح كثيرة تتحقق جراء انعقاد هذا العقد والتعامل
+
+62
+00:06:32,330 --> 00:06:37,810
+فيه، حتى وإن كنا نقر بوجود بعض المفاسد، لكن المصالح
+
+63
+00:06:37,810 --> 00:06:45,250
+أكبر بكثير. ذلك أن مصالح الناس اليوم، ذلك أن هذا
+
+64
+00:06:45,250 --> 00:06:49,530
+العقد قد انتشر واشتهر، وأصبحت مصالح الناس الكبرى
+
+65
+00:06:49,530 --> 00:06:55,130
+التجارية والصناعية مرتبطة به. حتى لو قلنا بالتحريم،
+
+66
+00:06:55,130 --> 00:07:01,270
+لأدى ذلك إلى تعطل مصالح كثير من الناس. إضافة إلى
+
+67
+00:07:01,270 --> 00:07:05,010
+أنه يحقق مظهرًا من مظاهر التعاون
+
+68
+00:07:07,840 --> 00:07:14,180
+والتكافل الاجتماعي الذي حث عليه القرآن الكريم، وحثت
+
+69
+00:07:14,180 --> 00:07:21,920
+عليه السنة النبوية. فالمصالح فيه جلية وواضحة، وإن
+
+70
+00:07:21,920 --> 00:07:27,260
+كان ثمة بعض المفاسد، فليس ثمة حكم إلا وتجد
+
+71
+00:07:27,260 --> 00:07:31,700
+فيه بعض المفاسد. أما الأدلة التي ذكرها الفريق الآخر،
+
+72
+00:07:31,700 --> 00:07:37,070
+كما سنقول، كما سنرى، فلنا عليها رد. أما المصالح في
+
+73
+00:07:37,070 --> 00:07:44,790
+الجملة راجحة على المفاسد في نظر هؤلاء، فلذلك فقد
+
+74
+00:07:44,790 --> 00:07:47,890
+قرروا أنه مباح.
+
+75
+00:07:57,050 --> 00:08:00,910
+لماذا يعني يحسّن المصالح؟ تقول: درء المفاسد أولى من
+
+76
+00:08:00,910 --> 00:08:06,810
+جلب المصالح؟ القاعدة.. جميل هذا السؤال. القاعدة
+
+77
+00:08:06,810 --> 00:08:11,110
+الشرعية بالفعل تقول: درء المفاسد أولى أو مقدم على
+
+78
+00:08:11,110 --> 00:08:17,810
+جلب المصالح. ولكن متى؟ عندما تكون المصالح والمفاسد
+
+79
+00:08:17,810 --> 00:08:28,930
+متساوية، متكافئة. في هذه الحالة، ماذا نقدم؟ درء المفسدة
+
+80
+00:08:28,930 --> 00:08:34,930
+مقدم. لكن عندما ترجح المصلحة، تُغْتَفَر المفسدة،
+
+81
+00:08:34,930 --> 00:08:40,890
+وعندما ترجح المفسدة، لا ينظر إلى، لا تُعْتَبَر
+
+82
+00:08:40,890 --> 00:08:46,700
+المصلحة. لكن هذه القاعدة عندما تستوي المصالح
+
+83
+00:08:46,700 --> 00:08:55,740
+والمفاسد، في هذه الحالة، يعني يُقَدَّم القول أو الحكم
+
+84
+00:08:55,740 --> 00:09:01,340
+المبني على درء المفسدة. الدليل
+
+85
+00:09:01,340 --> 00:09:08,400
+الثالث وهو القياس. والقياس أيها الإخوة هنا الذي
+
+86
+00:09:08,400 --> 00:09:15,290
+استدلوا به، قالوا: إن هذا العقد، أي عقد التأمين، في
+
+87
+00:09:15,290 --> 00:09:25,850
+حقيقته ومضمونه يشبه عقودًا متعددة وجدت وعرفت في
+
+88
+00:09:25,850 --> 00:09:33,110
+الفقه الإسلامي، وقال كثير من العلماء، لم يكن أكثرهم
+
+89
+00:09:33,110 --> 00:09:39,690
+بإباحتها وجوازها. إذا مرة أخرى، هذا العقد،
+
+90
+00:09:39,690 --> 00:09:43,950
+عقد التأمين، قالوا: هذا العقد في حقيقته، في مضمونه،
+
+91
+00:09:43,950 --> 00:09:48,930
+ليس بالضرورة في اسمه وشكله، ولكن في إجراءاته، ولكن في
+
+92
+00:09:48,930 --> 00:09:55,510
+حقيقته، في مقاصده، في نتائجه، يشبه ماذا؟ عقد يشبه
+
+93
+00:09:55,510 --> 00:10:01,290
+عقودًا قال العلماء بإباحتها وجوازها.
+
+94
+00:10:02,180 --> 00:10:08,920
+وإذا كان الأمر كذلك، فإن المقيس عليه يلحق حكمه
+
+95
+00:10:08,920 --> 00:10:15,540
+بالمقيس، في هذه الحالة نظرًا لاتحاد المضمون واتحاد
+
+96
+00:10:15,540 --> 00:10:21,000
+العلة. وإليكم هذه العقود.. ما.. لنرى.. ما.. يعني
+
+97
+00:10:21,000 --> 00:10:25,200
+دعوني أقول وكأني بالطرف الآخر يسأل: أيها العقود
+
+98
+00:10:25,200 --> 00:10:31,500
+هذه؟ ما هي العقود التي تشبه عقود التأمين؟ و.. و
+
+99
+00:10:31,500 --> 00:10:35,340
+قال العلماء و بإباحتها، قالوا: تعالوا، ليس عقدًا ولا عقدين
+
+100
+00:10:35,340 --> 00:10:39,540
+ولا ثلاثة ولا أربعة، عقود كثيرة، متعددة في حقيقة..
+
+101
+00:10:39,540 --> 00:10:46,400
+وإن لم تكن تسمى عقد تأمين. أولها: عقد الموالاة. ..
+
+102
+00:10:46,400 --> 00:10:50,700
+أولها عقد الموالاة. ما.. ما حقيقة هذا العقد يا
+
+103
+00:10:50,700 --> 00:10:58,800
+ترى؟ وما وجه الشبه بينه وبين عقد التأمين؟ أيوة يا
+
+104
+00:10:58,800 --> 00:10:59,120
+بدر
+
+105
+00:11:10,390 --> 00:11:14,370
+شخص غير عربي بأن يكون عربيًا، و وارثه إذا لم يكن هو
+
+106
+00:11:14,370 --> 00:11:22,190
+رجلٌ سواه. إيش يعني؟ نفسر له مرة أخرى ببساطة معنى
+
+107
+00:11:22,190 --> 00:11:29,970
+هذا العقد؟ شخص غير عربي، دخل الإسلام حديثًا، يأتي هذا
+
+108
+00:11:29,970 --> 00:11:36,030
+شخص عربي، ومعروف نسبه، يكون عربيًا، بدافعٍ أدّى عن
+
+109
+00:11:36,030 --> 00:11:40,630
+شخص غير عربي. مجرد مثلًا، إذا قام بجناية، أو يعني ارتكب
+
+110
+00:11:40,630 --> 00:11:44,250
+جناية هنا، قَتَل، أَمْ شَغَلَ جانٍ، في المقابل، يقوم
+
+111
+00:11:44,250 --> 00:11:49,230
+العربي، أو يقوم هذا الشخص غير العربي، بتوريث العربي
+
+112
+00:11:49,230 --> 00:11:55,230
+إذا لم يكن وارثه سواه، سواه عربي. يعني آسف، ببساطة
+
+113
+00:11:55,230 --> 00:12:00,070
+يا إخوة هذا.. تفضلي يا أحمد، يختلف
+
+114
+00:12:00,070 --> 00:12:05,780
+عن التبني. نعم، يختلف.  لأنه ليس في الأصلي يا أخي،
+
+115
+00:12:05,780 --> 00:12:11,300
+هذا العقد كان موجودًا في الجاهلية قبل الإسلام، ولم
+
+116
+00:12:11,300 --> 00:12:18,400
+يكن مُسْلِمًا وغير مسلم. يعني هنا العقد تحوَّل قليلًا، لكن في
+
+117
+00:12:18,400 --> 00:12:25,900
+أساسه أن شخصًا يكون طريدًا من بلده لسببٍ من الأسباب
+
+118
+00:12:27,160 --> 00:12:32,860
+طريدًا، شريدًا، لم يجد أو ربما لم تعجبه بلاده،
+
+119
+00:12:32,860 --> 00:12:40,400
+مهاجرًا إلى غير ذلك، فيلجأ إلى بلد آخر وإلى قبيلة
+
+120
+00:12:40,400 --> 00:12:46,770
+معينة في داخل هذا البلد، يلجأ إليها، لينضوي تحت
+
+121
+00:12:46,770 --> 00:12:52,630
+لوائها، ويحتمي بحمايتها. لأن قديماً، خاصةً، ما كان من
+
+122
+00:12:52,630 --> 00:12:57,810
+الصعوبة أن الواحد يعيش فردًا نظرًا لتهديد الأخطار به.
+
+123
+00:12:57,810 --> 00:13:01,950
+لا بد أن يلجأ إلى مجموعة أو جماعة أو قبيلة أو إلى
+
+124
+00:13:01,950 --> 00:13:08,130
+غير ذلك يحميه، فيلجأ إلى قبيلة معينة ويطلب منهم
+
+125
+00:13:08,130 --> 00:13:13,270
+الحماية والالتجاء، إن صح التعبير، وأن ينضوي تحت
+
+126
+00:13:13,270 --> 00:13:14,110
+لوائهم.
+
+127
+00:13:17,120 --> 00:13:29,740
+مقابل ماذا؟ مقابل أنه متى مات، كل ميراثه لهم،
+
+128
+00:13:29,740 --> 00:13:34,300
+ميراثه وأمواله لهم. هو غالبًا ما يكون صاحب مال،
+
+129
+00:13:34,300 --> 00:13:41,640
+لكن هو يفتقر للحماية، يفتقر للعائلة أو القبيلة.. و..
+
+130
+00:13:41,640 --> 00:13:46,300
+ويتم التعاقد على ذلك بينهم بعقد كان يسمى عقد
+
+131
+00:13:46,300 --> 00:13:50,900
+الموالاة. فيقولون لشيخ القبيلة أو لهذا الشخص الفرد
+
+132
+00:13:50,900 --> 00:13:56,260
+اللاجئ هذا أو الشريد: أنت وليّي، أنت وليّي، أنت الكل في
+
+133
+00:13:56,260 --> 00:14:00,530
+الكل، مش أبيّ. يعني زي التبني. أنت وليّي، أنت المسؤول
+
+134
+00:14:00,530 --> 00:14:06,290
+عني، أنت المسؤول عني، تَعْقِلُ بدليل قوله: تَعْقِلُ عني، إذا
+
+135
+00:14:06,290 --> 00:14:11,590
+صارت لي مشكلة، جناية كذا، أنت أنت
+
+136
+00:14:11,590 --> 00:14:18,070
+تحلها، أنت تدفع عني، أنت تحميني، تُبْعِتُ لي الميليشيات،
+
+137
+00:14:18,070 --> 00:14:25,530
+تُبْعِتُ القبيلة، تَبْعِتُكَ، إلى غير ذلك. والمقابل: تُوَرِّثُونِي،
+
+138
+00:14:25,530 --> 00:14:27,270
+إذا مت أنا، برضه
+
+139
+00:14:30,120 --> 00:14:37,100
+الصورة أن هذا يعني وحيد، الصورة أنه وحداني، وحتى لو
+
+140
+00:14:37,100 --> 00:14:43,840
+لم يكن كذلك، هو اتفق معه أن يصبح ماله للقبيلة لو
+
+141
+00:14:43,840 --> 00:14:48,340
+كان متزوجًا، أو زوجوه بعد ذلك، ربما يعيدوا النظر في
+
+142
+00:14:48,340 --> 00:14:52,340
+كيفية التقسيم، يعني، لكن أصل الصورة أنه وحيد. هو جاء
+
+143
+00:14:52,340 --> 00:14:58,090
+.. نقول نحن: هو جاء يعني حامل ما خفّ ثمنه، وما..
+
+144
+00:14:58,090 --> 00:15:03,650
+ما.. ما غلا ثمنه وخفّ حمله، يعني شارد ربما من بلده
+
+145
+00:15:03,650 --> 00:15:08,890
+أو كذا، أو عمل عملة، أو سرق له سرقة، أو يعني.. يعني
+
+146
+00:15:08,890 --> 00:15:13,270
+هكذا، يعني مطارد من بلاده، فَلَجَأَ إلى بلاد أخرى. فكان
+
+147
+00:15:13,270 --> 00:15:17,070
+طبعًا المصالح هي التي تربط الناس ببعضها البعض. ما
+
+148
+00:15:17,070 --> 00:15:22,530
+لم يكن هناك دين، ولا ما لم يكن هناك إيمان، بمبالغةٍ
+
+149
+00:15:22,530 --> 00:15:27,010
+خير، بلغة المصالح التي تربط الناس. لِماذا روسيا تدعم
+
+150
+00:15:27,010 --> 00:15:30,350
+سوريا؟ لِماذا الصين تدعم سوريا؟ لِماذا إيران تدعم
+
+151
+00:15:30,350 --> 00:15:39,310
+سوريا؟ لغة مصالح كلها. أه، ف.. لكن
+
+152
+00:15:39,310 --> 00:15:46,270
+هذا يا إخوة تطور، هذا العقد في الإسلام تطور في
+
+153
+00:15:46,270 --> 00:15:49,970
+الإسلام.. في بعد الإسلام، صار الناس برضه يسلم
+
+154
+00:15:49,970 --> 00:15:56,610
+واحد منهم، وربما يترك أهله وبلده الذين ضلوا على
+
+155
+00:15:56,610 --> 00:16:03,090
+الكفر، فيجد نفسه يعني وحيدًا، يعني، فيلجأ إلى شخص
+
+156
+00:16:03,090 --> 00:16:07,150
+مسلم، يعيش معه، يُؤَاخِيه، يعني إلى غير ذلك.
+
+157
+00:16:09,790 --> 00:16:17,310
+ينضوي تحت لواء عائلته أو قبيلته، على أنه بنفس الصيغة،
+
+158
+00:16:17,310 --> 00:16:23,270
+ويتعقدان على هذا العقد بهذه الصيغة، فيقول له: أنتَ و
+
+159
+00:16:23,270 --> 00:16:27,690
+ليّي، تعقل عني كإني واحد من عيلتك، وتُوَرِّثُونِي إذا
+
+160
+00:16:27,690 --> 00:16:31,990
+ماتّ، والورثة تُعْتَبَر هي تأمين بالضبط الآن، يا أخي، هذا
+
+161
+00:16:31,990 --> 00:16:35,770
+لأ، بس أنا عشان جاب المبين، وجوه الشبه، عايز أقول أن
+
+162
+00:16:35,770 --> 00:16:44,560
+هذا العقد، خاصة بعد الإسلام، أجازه بعض العلماء فقط،
+
+163
+00:16:44,560 --> 00:16:50,460
+منهم الحنفية، بمعنى أنه ليس عقدًا متفق عليه، يعني عقد
+
+164
+00:16:50,460 --> 00:16:57,300
+محال الخلاف، لكن القائلون بجواز التأمين قالوا: مادام أن
+
+165
+00:16:57,300 --> 00:17:01,980
+فريق من العلماء من علماء المسلمين أجازه، فلنا في
+
+166
+00:17:01,980 --> 00:17:09,200
+ذلك متّكأ ومستند. عليه، لأنه في حقيقته يشبه عقد
+
+167
+00:17:09,200 --> 00:17:14,840
+التأمين، يشبه عقد التأمين من حيث كل العناصر
+
+168
+00:17:14,840 --> 00:17:18,480
+المتكون منها، عقد التأمين فيه مؤمن ومؤمَّل له، مبلغ
+
+169
+00:17:18,480 --> 00:17:21,9
+
+223
+00:22:02,580 --> 00:22:07,950
+الأموال التي دفعها لها تكفي لتغطية هذا القتل هنا
+
+224
+00:22:07,950 --> 00:22:13,330
+يعني في هذا التشابه، ووضعنا هذا التشابه في الـ...
+
+225
+00:22:13,330 --> 00:22:16,970
+خليني أُمرّ بس، خليني أُمرّ بس بعدين، طيب، حقيقة الكلام
+
+226
+00:22:16,970 --> 00:22:21,090
+جميل، هنا يعني القياس الثاني، القياس على نظام
+
+227
+00:22:21,090 --> 00:22:24,750
+العَواقل، واحنا قلنا أول ما تحدثنا عن التأمين
+
+228
+00:22:24,750 --> 00:22:31,190
+التعاوني أو التأمين في الإسلام، حتى الشامل، قلنا من
+
+229
+00:22:31,190 --> 00:22:36,290
+مظاهر التأمين الشامل في الإسلام أنه جاءت هناك
+
+230
+00:22:36,290 --> 00:22:41,670
+أحكام تُؤمّن الناس في حال وقوع المصائب من ذلك
+
+231
+00:22:41,670 --> 00:22:46,240
+النظام العَواقلي هو من العَواقل، نظام معمول به، مشروع
+
+232
+00:22:46,240 --> 00:22:52,800
+في الإسلام، يعتمد على أن تلتزم العائلة التي يقوم
+
+233
+00:22:52,800 --> 00:23:01,720
+أحد أفرادها بقتل شخص آخر خطأً، وليس عمداً، لأنه في
+
+234
+00:23:01,720 --> 00:23:08,580
+حالة العمد، لا الزام للعائلة، لا تلتزم وجوباً،
+
+235
+00:23:08,580 --> 00:23:14,920
+لا تلتزم، لأن الشرع لو ألزمها في هذه الحالة، ماذا
+
+236
+00:23:14,920 --> 00:23:20,440
+سيترتب؟ تشجيع على الجريمة، إذاً أنا وبذرة الجريمة
+
+237
+00:23:20,440 --> 00:23:24,300
+موجودة في نفس كل واحد، يا إخوة، بذرة الشر موجودة، إذاً
+
+238
+00:23:24,300 --> 00:23:30,660
+لَجَت بيئة خصبة أو محفزات ومشجعات، ستُترقى
+
+239
+00:23:30,660 --> 00:23:39,200
+فلذلك الإسلام يمنع مثل هذه البذور من أن تنتشر من
+
+240
+00:23:39,200 --> 00:23:46,660
+خلال الحلول الوقائية، فالقاتل العمد لا يُجبَر أحد على
+
+241
+00:23:46,660 --> 00:23:51,540
+... لا يُلزَم أحد على مساعدته، إذا استحباب يعني
+
+242
+00:23:51,540 --> 00:23:59,360
+إذا كان بنفسه رغب، لا نمنعه، لكن أن نجبره، لا، لكن في
+
+243
+00:23:59,360 --> 00:24:03,540
+النظام في القتل خطأ، لو أن أحد أفراد العائلة قتل
+
+244
+00:24:03,540 --> 00:24:11,600
+شخصاً خطأً، فإن جميع أفراد العائلة يُلزَمُون بتعاون على
+
+245
+00:24:11,600 --> 00:24:21,510
+دفع دية المقتول، طبعاً الشرع خفف على القاتل وأهله من
+
+246
+00:24:21,510 --> 00:24:28,090
+خلال تقسيط هذه الدية على مدار ثلاث سنوات، على مدار
+
+247
+00:24:28,090 --> 00:24:33,390
+ثلاث سنوات، فهذه العَقلة أو نظام العَقلة، يا إخوة، لا
+
+248
+00:24:33,390 --> 00:24:36,830
+أريد أن أُكثر هنا في التفاصيل، نظام معمول به، ونظام
+
+249
+00:24:36,830 --> 00:24:43,660
+مشروع، ومتفق عليه، يقول أصحاب هذا الرأي أن نظام أو
+
+250
+00:24:43,660 --> 00:24:54,080
+التأمين التجاري يشبه إلى حد كبير نظام العَقلة، يشبه
+
+251
+00:24:54,080 --> 00:25:04,640
+في التفاصيل والعناصر، من حيث أن مجموع أفراد العائلة
+
+252
+00:25:04,640 --> 00:25:11,060
+هم كَـمجموع المؤمنين، المؤمَّن لهم اللي بيأمن عند
+
+253
+00:25:11,060 --> 00:25:16,740
+الشركة، مش واحد واثنين، عشرات ومئات، هؤلاء كأنهم
+
+254
+00:25:16,740 --> 00:25:22,940
+أفراد عائلة واحدة، كأنهم أفراد عائلة واحدة، كأنهم
+
+255
+00:25:22,940 --> 00:25:29,620
+مُرتَّبون، وعندما دفع كل واحد منهم قسطاً من التأمين على أن
+
+256
+00:25:29,620 --> 00:25:37,360
+يُؤمَّن أي منهم إذا وقع منه أو عليه خطر أو ضرر، متفق
+
+257
+00:25:37,360 --> 00:25:43,400
+عليه، وما الشركة إلا منظمة للأمر، وما الشركة إلا
+
+258
+00:25:43,400 --> 00:25:47,500
+منظمة، كأنهم نظروا إلى حقيقة التأمين التجاري على
+
+259
+00:25:47,500 --> 00:25:51,140
+أنه أشبه بنظام العَواقل، مجموعة اللي بيأمنوا عن شركة
+
+260
+00:25:51,140 --> 00:25:56,990
+معينة، هم أفراد العَقلة، لو واحد منهم وقع فيه أو عليه
+
+261
+00:25:56,990 --> 00:26:02,970
+مصيبة، فإنه يُعَوَّض من مجموع ما دفعه كل فرد من الأفراد
+
+262
+00:26:02,970 --> 00:26:07,850
+كما تقوم أفراد العائلة، كل فرد منهم بالغ عاقل، يقوم
+
+263
+00:26:07,850 --> 00:26:13,350
+بالمساهمة في تعويض أو في المساهمة في الدية التي
+
+264
+00:26:13,350 --> 00:26:21,400
+تُلزِم القاتل، ومن جهة أخرى، هي تُشْبِهه من حيث النتيجة
+
+265
+00:26:21,400 --> 00:26:27,560
+فهذا التأمين، العَقلة المقصود به تخفيف الكوارث
+
+266
+00:26:27,560 --> 00:26:33,180
+والمصائب، وكذلك في التأمين يتحقق هذا، اللي بيصير
+
+267
+00:26:33,180 --> 00:26:40,220
+عنده حادث، حقيقةً لم يجد من يمد يد العون له، أو في
+
+268
+00:26:40,220 --> 00:26:43,980
+التأمين يجد من يمد يد العون له من مجموعة هذه
+
+269
+00:26:43,980 --> 00:26:50,870
+الدفعات أو الأقساط، فيتحقق التخفيف عنه، وهنا نحن
+
+270
+00:26:50,870 --> 00:26:55,010
+نقوله بالحل، بل بالإجماع، بل هناك إجماع على ذلك
+
+271
+00:26:55,010 --> 00:26:59,850
+فلماذا لا نقوله بالحل في مسألة التأمين؟ لماذا
+
+272
+00:26:59,850 --> 00:27:03,810
+تُصرّون على القول بتحريم التأمين، مع أن هناك عقود
+
+273
+00:27:03,810 --> 00:27:10,560
+مُشابهة، فقط يعني إلى حد كبير؟ والأمور بمقاصدها، هذا
+
+274
+00:27:10,560 --> 00:27:14,940
+يُحقِّقه تخفيفاً، وهذا يُحقِّقه تخفيفاً، هنا في مشاركة ودفع
+
+275
+00:27:14,940 --> 00:27:19,140
+أقساط، وهنا في مشاركة ودفع أقساط، المسألة باستخدام
+
+276
+00:27:19,140 --> 00:27:24,360
+متأخرة، وتنظيمية، الاختلاف في الشكليات والتنظيمات
+
+277
+00:27:24,360 --> 00:27:28,500
+يعني في العَقلة يتم الدفع عند وقوع الخطر، لكن في
+
+278
+00:27:28,500 --> 00:27:33,320
+التأمين يتم الدفع، الأقساط، قبل وقوع الخطر أو عند
+
+279
+00:27:33,320 --> 00:27:37,240
+بداية التعاقد، المسألة مسألة شكلية ليس إلا في نظرهم
+
+280
+00:27:37,610 --> 00:27:45,130
+فمن هنا هم قالوا بأن عقد التأمين يكون جائزاً قياساً
+
+281
+00:27:45,130 --> 00:27:51,250
+على عقد أو نظام العَقلة، طبعاً هناك ردود نؤجلها بعد
+
+282
+00:27:51,250 --> 00:27:57,750
+ذلك، الصورة الثالثة، قياس آخر، القياس
+
+283
+00:27:57,750 --> 00:28:05,920
+على ضمان خطر الطريق، يا إخوة، يمكن هذا شوية اليوم
+
+284
+00:28:05,920 --> 00:28:12,120
+ما فيه منه، لكن قديمًا، قبل الإسلام وبعد الإسلام،
+
+285
+00:28:12,120 --> 00:28:19,320
+كانت الطرق خطرة، وقطع الطرق منتشر، خطرة سواء قطع
+
+286
+00:28:19,320 --> 00:28:25,540
+طرق أو حيوانات أو مفازات، مناطق صحراوية، حتى لو
+
+287
+00:28:25,540 --> 00:28:34,340
+ما فيه ماء ولا أكل ولا... فيحتاج الأمر إلى خبراء
+
+288
+00:28:34,340 --> 00:28:40,520
+يُدلّون الناس، المسافرين، على الطرق السالكة والآمنة
+
+289
+00:28:40,520 --> 00:28:46,630
+وغير الخاطرة، فكان الواحد بالعادة قبل ما يسافر و
+
+290
+00:28:46,630 --> 00:28:50,930
+ممكن اليوم تكون الطريق سالكة، وبكرة إيه؟ زي حالتنا
+
+291
+00:28:50,930 --> 00:28:55,970
+اليوم، أمس مثلاً فيه لغو رايقة، اليوم الصبح القصف
+
+292
+00:28:55,970 --> 00:29:00,250
+شغال، والاستشهاد، وكل يوم في حالة، وكذلك اللي في
+
+293
+00:29:00,250 --> 00:29:03,230
+الداخل، يعني ممكن الطريق اليوم، قطع الطرق قد يتنقلون
+
+294
+00:29:03,230 --> 00:29:08,730
+زي لما شرطة تكون واقفة، كله بيبص، يصير على... خلاص
+
+295
+00:29:08,730 --> 00:29:17,110
+فننتقل عن اليوم الآخر أو لمكان آخر، فهذا يُضطِر المسافر
+
+296
+00:29:17,110 --> 00:29:21,570
+قبل أن يسافر إلى أن يسأل أهل الخبرة، اللي هم الدليل
+
+297
+00:29:21,570 --> 00:29:27,480
+بنسميه الدليل، دُلال الطرق، عن الطريق الأكثر أمناً، وهذا كلام
+
+298
+00:29:27,480 --> 00:29:31,020
+منتشر، حتى النبي يا إخوة، صلى الله عليه وسلم، عندما
+
+299
+00:29:31,020 --> 00:29:37,180
+هاجر إلى المدينة، اتخذ دليلاً، ولا لا؟ دليلاً، لأنه
+
+300
+00:29:37,180 --> 00:29:43,280
+أراد أن يسلك طريقاً تَفافياً، ليس الطريق المعهود،
+
+301
+00:29:43,280 --> 00:29:53,730
+بحثاً عن الأمن والتخفي وإلى غير ذلك، فإذا سئل الخبير
+
+302
+00:29:53,730 --> 00:30:01,910
+بالطرق عن سلامة الطريق، فقال يعني بسلامتها، أحياناً
+
+303
+00:30:01,910 --> 00:30:06,550
+المسافر يقول له، يا رجل، يؤكد عليه، يقول له أنت متأكد؟
+
+304
+00:30:06,550 --> 00:30:11,490
+طيب لو حصل لي شيء، من يضمني؟ فيقول له اذهب واسلك هذا
+
+305
+00:30:11,490 --> 00:30:17,290
+الطريق، فإن حدث لك شيء، يعني سُرِقْتَ أو نُهِبْتَ أو إلى غير
+
+306
+00:30:17,290 --> 00:30:26,640
+ذلك أو أُصِبْتَ، أنا ضامِنٌ لك، ضامن، هذا تعاقد، صار، أقل هذا
+
+307
+00:30:26,640 --> 00:30:32,160
+العَقْلة أيضاً أجازه بعض العلماء، لأن لاحظوا
+
+308
+00:30:32,160 --> 00:30:37,080
+يا إخوة، هذه عقود محل نظر، يعني أقول إن الجمهور
+
+309
+00:30:37,080 --> 00:30:44,910
+يعني على عدم إجازتها أو عدم إلزَام الضامن بذلك، لأنه
+
+310
+00:30:44,910 --> 00:30:50,690
+لم يتسبب، قال له أنا ضامن، وبعدين في وقتها تغيرت
+
+311
+00:30:50,690 --> 00:30:55,270
+الأمور، وكان بيفكر الأمور يعني سالكة، وبعدين تغيرت
+
+312
+00:30:55,270 --> 00:30:59,870
+هو على كل الأحوال، لكن مع ذلك المالكية، أو بعض علماء
+
+313
+00:30:59,870 --> 00:31:08,050
+المالكية قالوا: يضمن، لو حدث له شيء فإنه يضمن خسارته
+
+314
+00:31:08,050 --> 00:31:15,090
+ويلزمه تعويض، أو ذلك الرجل اللي ضَمن، ضامن، خلاص قال لك
+
+315
+00:31:15,090 --> 00:31:19,670
+هو تعال، بالظبط عقد التأمين نفس الشغل، عقد التأمين
+
+316
+00:31:19,670 --> 00:31:27,210
+طرف يتقدم لطرف، ويتعاقد معه على أنه متى حدث له
+
+317
+00:31:27,210 --> 00:31:33,610
+حادث معين، يتعهّد ذلك الطرف بتعويضه عن ذلك الحدث
+
+318
+00:31:33,610 --> 00:31:38,110
+مقابل أنه يدفع له أقساط، وهذا الضمان ربما يُدْفَع له
+
+319
+00:31:38,110 --> 00:31:41,930
+وإن لم يكن مذكور هنا، لكن حتى لو كان، لكن أنفة
+
+320
+00:31:41,930 --> 00:31:48,410
+العربي قديمًا لم تكن، يعني ربما تجعله
+
+321
+00:31:48,410 --> 00:31:52,810
+يَقْبَل أن يأخذ، وربما يعني أخذ سواء أخذ أو لم يأخذ
+
+322
+00:31:52,810 --> 00:31:59,200
+لحظة، من عبدين يا إخوان، لمن أشار إلى الحرمة أو دليل
+
+323
+00:31:59,200 --> 00:32:04,380
+الحرمة، ماذا قال؟ قال: هذا فيه إلزَام ما لا يُلزَم،
+
+324
+00:32:04,380 --> 00:32:10,080
+يعني نحن نلزم الشركة
+
+325
+00:32:10,080 --> 00:32:19,590
+بما لا تلتزم به، أو بما لا يلزمها به الشرع، لأن الذي
+
+326
+00:32:19,590 --> 00:32:24,530
+يلتزم بالتعويض هو المتسبب بالخسارة، لكن هنا على
+
+327
+00:32:24,530 --> 00:32:30,450
+العكس، قالوا المالكية بأن الجهة، هذا الضامن، مُلْتَزِم
+
+328
+00:32:30,450 --> 00:32:37,970
+بالتزامه، مُلْتَزِم بالتزامه، هو التزم، هو ألزم نفسه في
+
+329
+00:32:37,970 --> 00:32:48,020
+حالة وجود خطر، وإن وقوع ضرر، أن يتكفل، زي الكفيل، مش
+
+330
+00:32:48,020 --> 00:32:53,800
+الكفيل، ضامن، بيقول له، وفي حديث في ذلك، فهذا أصبح
+
+331
+00:32:53,800 --> 00:32:59,780
+الكفيل، فيضمن، ولذلك هناك أيضاً في التأمين الأمر يعني
+
+332
+00:32:59,780 --> 00:33:06,960
+يَستوي أو يُشْبِه... يُشْبِه إلى حد كبير عقد الضمان لخطر
+
+333
+00:33:06,960 --> 00:33:12,460
+الطريق، من حيث أن هنا، يعني تعهد بالضمان، وهنا كذلك
+
+334
+00:33:12,460 --> 00:33:17,760
+تعهد بالضمان، هنا أطراف متعاقدة، وهنا أطراف متعاقدة
+
+335
+00:33:17,760 --> 00:33:24,440
+وكل العناصر مُتوافقة، فلم نقُل بجواز عقد التأمين
+
+336
+00:33:24,440 --> 00:33:33,960
+صورة أخرى أيضاً، وهي صورة الالتزام بالوعد المُلْزِم
+
+337
+00:33:35,430 --> 00:33:40,770
+الالتزام بالوعد المُلْزِم، وهذه تُشْبِه يعني إلى حد كبير
+
+338
+00:33:40,770 --> 00:33:45,310
+الصورة التي قبلها، لكن الصورة مُخْتَلِفة، المعاملة
+
+339
+00:33:45,310 --> 00:33:52,970
+مُخْتَلِفة، كيف؟ هذه صورتها أيها الأخوة، لو أن شخصاً طلب من
+
+340
+00:33:52,970 --> 00:34:04,120
+شخص مثلاً مالاً ديناً أو هبة، حتى طلب منه مالاً معيناً
+
+341
+00:34:04,120 --> 00:34:09,240
+على أساس أنه بده يبني، بده يُجَوِّز ولده، بده يحج، بده
+
+342
+00:34:09,240 --> 00:34:14,180
+... محتاجون، الناس بتحتاج بعضها البعض، فتقدم هي لشخص و
+
+343
+00:34:14,180 --> 00:34:23,360
+قال له: أنا أعطيك، ولكن آخر الشهر، عندما يعني ينزل
+
+344
+00:34:23,360 --> 00:34:30,190
+الراتب، أو أنا في صفقة تجارية، بس يا لمَّا نبيع إن
+
+345
+00:34:30,190 --> 00:34:36,370
+شاء الله، خلال شهر، زمان، أنا هي عشرة آلاف دولار مثلاً
+
+346
+00:34:36,370 --> 00:34:44,570
+وعد، وعد بالدين أو وعد بالتصدق أو وعد بالهبة، هذا
+
+347
+00:34:44,570 --> 00:34:54,110
+الوعد، أجل، ما وعد، هذا الوعد، هل يكون مُلْزِماً أم لا؟ طبعاً
+
+348
+00:34:54,110 --> 00:35:02,230
+الآن يا إخوة، القياس مبني على أن الوعد مُلْزِم، وهو ما
+
+349
+00:35:02,230 --> 00:35:08,910
+يراه أيضاً بعض علماء الحنفية، بعض علماء المالكية،
+
+350
+00:35:08,910 --> 00:35:17,110
+الوعد يكون مُلْزِماً، وهذا على خلاف الجمهور، يا إخوة،
+
+351
+00:35:18,010 --> 00:35:21,870
+الوعد في هذه الحالة، يعني أنتم بتفكروا ماذا
+
+352
+00:35:21,870 --> 00:35:27,110
+تَعتَقِدون الآن، هل الوعد يكون مُلْزِماً ولا ما يكونش مُلْزِماً؟
+
+353
+00:35:27,110 --> 00:35:34,510
+طبعاً فيه آراء، القياس مبني على أحد الآراء، على الرأي
+
+354
+00:35:34,510 --> 00:35:42,960
+الذي يقول بأنه مُلْزِم، على مبدأ أن الالتزام يقوم مطلقاً،
+
+355
+00:35:42,960 --> 00:35:49,220
+ومطلقاً، يعني سواء ذُكر السبب أو لم يُذْكَر، بدأ يعمل في
+
+356
+00:35:49,220 --> 00:35:56,160
+الشيء الذي وعد به أو لم يبدأ، فلذلك
+
+357
+00:35:56,160 --> 00:36:02,900
+الأخوة قالوا: والتأمين، يعني في حقيقته وعد وتعهد من
+
+358
+00:36:02,900 --> 00:36:09,720
+قبل شركة التأمين بدفع مبلغ من المال، تعويضاً عن الضرر
+
+359
+00:36:09,720 --> 00:36:17,740
+الذي يحصل لشخص معين، مقابل هذه الأقساط، هنا وعد و
+
+360
+00:36:17,740 --> 00:36:23,980
+تعهد بالدفع، وهو جائز، وهنا وعد وتعهد بالدفع، لم لا
+
+361
+00:36:23,980 --> 00:36:26,660
+يكون جائزاً قياساً على الوعد المُلْزِم
+
+362
+00:36:29,330 --> 00:36:34,070
+يعني هم يربطون بين العقود بعضها ببعض، طبعاً يا إخوة
+
+363
+00:36:34,070 --> 00:36:37,030
+في مسألة الوعد المُلْزِم، بس هنا وجب أن أقول أن تم
+
+364
+00:36:37,030 --> 00:36:41,710
+تَقَارِير مُتَعَدِّدَة، جمهور العلماء على أن الوعد ليس مُلْزِماً
+
+365
+00:36:47,680 --> 00:36:52,360
+لكنه مُسْتَحَبٌّ، لأنه
+
+366
+00:36:52,360 --> 00:36:56,960
+من آيات المنافق ثلاث، منها إذا وعد أخلف، أنت بتقعد
+
+367
+00:36:56,960 --> 00:37:03,450
+واحد، وبعدين بتبطل، هو مش هيقدر يرفع عليك قضية، لكن
+
+368
+00:37:03,450 --> 00:37:07,290
+لأ، فيه عقد، اسمه في عقد، لكن العقد ليس مُلْزِماً، هذا العقد
+
+369
+00:37:07,290 --> 00:37:13,430
+ليس مُلْزِماً لزَاماً قضائياً، وإنما فقط أخلاقياً وأدبياً
+
+370
+00:37:13,430 --> 00:37:19,830
+واستحباباً على رأي جمهور العلماء، ولذلك يعني القياس
+
+371
+00:37:19,830 --> 00:37:26,270
+هيختلف، هناك بعض الآراء قالت: يكون العقد
+
+372
+00:37:26,270 --> 00:37:34,390
+مُلْزِماً إذا سُمِّيَ السبب الذي من أجله كان الوعد والطلب
+
+373
+00:37:34,390 --> 00:37:39,350
+يعني قاله: أنا بدي أبني بيت، خصّص، مش قاله أنا بدي مصاريف
+
+374
+00:37:39,350 --> 00:37:43,630
+بس، فوافق
+
+375
+00:37:43,630 --> 00:37:48,270
+على ذلك، فيصبح مُلْزِماً في هذه الحالة، أما إذا كان
+
+376
+00:37:48,270 --> 00:37:53,380
+مُطْلَقاً، لا يكون مُلْزِماً، منهم من شدّد أكثر قليلاً عند
+
+377
+00:37:53,380 --> 00:38:00,720
+الإلزام، فقال: وهذا هو الرأي ربما يكون مقبولاً، إنما
+
+378
+00:38:00,720 --> 00:38:12,200
+يكون الوعد مُلْزِماً إذا تَلَبَّسَ الواعد بما وعد به، أنا
+
+379
+00:38:12,200 --> 00:38:16,620
+بدي أبني، قلت له: قلت له: و الله عليك عشرة آلاف دولار آخر
+
+380
+00:38:16,620 --> 00:38:22,500
+الشهر، فنزل كباشات، ونزل حجار، ووصى على العمال، في
+
+381
+00:38:22,500 --> 00:38:30,360
+التزم بما وعد به، autism  كانت؟ في
+
+382
+00:38:30,360 --> 00:38:37,770
+اللي ما عنده، راح يَنْهَزِم، أو يبطل، أو كذا، هنا لا تسبب في
+
+383
+00:38:37,770 --> 0
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RVTEQ_C1j4Y_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RVTEQ_C1j4Y_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..ea876092f4a29b8fdea900745dc3338b6ead20f2
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RVTEQ_C1j4Y_postprocess.srt
@@ -0,0 +1,1680 @@
+1
+00:00:20,910 --> 00:00:23,510
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:23,510 --> 00:00:28,790
+على رسول الله وعلى آله وصحبه ومن احتدى بهديه واسنى
+
+3
+00:00:28,790 --> 00:00:33,650
+بسنته إلى يوم الدين لازلنا
+
+4
+00:00:33,650 --> 00:00:45,750
+نتحدث عن أدلة العلماء في أو على حرمة أوحل التام
+
+5
+00:00:46,880 --> 00:00:50,940
+انتهينا من في المحاضرة السابقة من بيان أدلة
+
+6
+00:00:50,940 --> 00:00:57,420
+القائلين بحرمة التامين ومناهي وهم جمهور علماء
+
+7
+00:00:57,420 --> 00:01:04,580
+المعاصرين وقلنا بأنهم استدلوا بكثير من الأدلة على
+
+8
+00:01:04,580 --> 00:01:08,580
+رأسها أن هذا العقد يشتمل على الغرب أن هذا العقد
+
+9
+00:01:08,580 --> 00:01:13,240
+يشتمل على الربا بأنواعه المتعددة أن هذا العقد
+
+10
+00:01:13,240 --> 00:01:19,510
+يشتمل على الميسر والقماروأن فيه تحدين للقدر الإلهي
+
+11
+00:01:19,510 --> 00:01:24,810
+أضافنا إلى ذلك مزيد من الأدلة من خارج الكتاب
+
+12
+00:01:24,810 --> 00:01:28,250
+فقالوا
+
+13
+00:01:28,250 --> 00:01:30,130
+بأن هذا العقد
+
+14
+00:01:32,760 --> 00:01:38,120
+بيع للأمان والأمان لا يباع ولا يشترى أن هذا العقد
+
+15
+00:01:38,120 --> 00:01:41,780
+بيع داين بدين واخدناها رسول الله صلى الله عليه
+
+16
+00:01:41,780 --> 00:01:46,640
+وسلم عن ذلك عندما نقع بيع الكالق بالكالق وهو ما
+
+17
+00:01:46,640 --> 00:01:53,540
+فسره شراح الحديث ببيع الدين بالدينوإضافة إلى ذلك
+
+18
+00:01:53,540 --> 00:01:57,860
+أنه من باب الزام ما لا يلزم كما ذكر ابن عبدين حيث
+
+19
+00:01:57,860 --> 00:02:05,240
+إنه يغرم ويضمن شركة التأمين أو المؤمن بما لا
+
+20
+00:02:05,240 --> 00:02:11,740
+يلزمها إياه الشرع حيث إن الشرع إنما يلزم المتسبب
+
+21
+00:02:11,740 --> 00:02:22,760
+بالتلف بالتعويض لغيرهثم أضفنا أيضا دليلا أخر وهو
+
+22
+00:02:22,760 --> 00:02:29,340
+تلك المفاسد الكثيرة التي تترتب على عقد التأمين من
+
+23
+00:02:29,340 --> 00:02:35,620
+تزوير وتدليس وتحايل وإهدار
+
+24
+00:02:35,620 --> 00:02:42,340
+للأموال فهي كثيرةكل مجموع هذه الأدلة و ربما غيرها
+
+25
+00:02:42,340 --> 00:02:50,760
+أجعل هذا الفريق أو أقنع هذا الفريق بالقول بالتحرين
+
+26
+00:02:51,820 --> 00:02:57,540
+ولم يلتفتوا إلى بعض المصالح، ليس معنا أيها الأخوة
+
+27
+00:02:57,540 --> 00:03:01,940
+أن هذا الفريق يقول بالتحرين أنه لا يرى وجود مصالح،
+
+28
+00:03:01,940 --> 00:03:07,740
+هو يرى وجود بعض المصالح، لكن هذه المصالح لم ترتقي
+
+29
+00:03:07,740 --> 00:03:14,310
+إلى عظم هذه المفاسد أو عظموقوة هذه الأدلة فهذه
+
+30
+00:03:14,310 --> 00:03:18,550
+المفاسد
+
+31
+00:03:18,550 --> 00:03:23,490
+يعني كثيرة او هذه المصالح اسف لاتذكر امامتلكم
+
+32
+00:03:23,490 --> 00:03:30,470
+المصالح وامامتلكم الأدلة الواضحة اللتي انبنى عليها
+
+33
+00:03:30,470 --> 00:03:33,850
+القول بالتحريك اما القائلون بالجواز
+
+34
+00:03:38,310 --> 00:03:43,950
+فقد استدلوا كذلك بمجموعة من الأدلة قولنا انهم انهم
+
+35
+00:03:43,950 --> 00:03:49,750
+انهم استدلوا ب .. بثلاثة
+
+36
+00:03:49,750 --> 00:03:55,470
+او نستطيع ان نقول انهم استدلوا بثلاثة أدلة رئيسية
+
+37
+00:03:55,470 --> 00:04:00,310
+يعني مجمل هذه الأدلة اللتي بين أيدينا الدليل الأول
+
+38
+00:04:00,310 --> 00:04:03,550
+ان الأصل في المعاملات الإباحة
+
+39
+00:04:07,010 --> 00:04:15,850
+الدليل الثاني المصلحة الدليل الثالث القياس هذه
+
+40
+00:04:15,850 --> 00:04:22,860
+الأدلة بإجمال نعودأما دليلهم الأول فهو أن الأصلة
+
+41
+00:04:22,860 --> 00:04:26,840
+يعني ربما بعضها غير موجود أو موجود ضمن طيات الكلام
+
+42
+00:04:26,840 --> 00:04:30,900
+أنا يعني أستطيع أن أفندها على الشكل التالي أولا أن
+
+43
+00:04:30,900 --> 00:04:34,600
+الأصلة في المعاملات الإباحة وهذا ما ذكرناه ربما في
+
+44
+00:04:34,600 --> 00:04:39,960
+محاضراتنا الأول من خصائص المعاملات إن كنتم تذكرون
+
+45
+00:04:39,960 --> 00:04:45,760
+أن الأصلة فيهاالإباحة والحل خلافا للإبادات، ذلك أن
+
+46
+00:04:45,760 --> 00:04:54,180
+كل زمان وكل مكان تتجدد فيه المعاملات ويحتاج الناس
+
+47
+00:04:54,180 --> 00:05:01,900
+فيه إلى عقد جديدة وليس بالضرورة أن كل عقد يكون فيه
+
+48
+00:05:01,900 --> 00:05:07,870
+نص على شرعيتهالمهم أن لا يكون هناك نص على حرمته
+
+49
+00:05:07,870 --> 00:05:13,970
+فما لم يكن هناك فالعقد الذي لم يرد فيه نص يدلل على
+
+50
+00:05:13,970 --> 00:05:19,050
+حرمته فإن حكمه هو الإباحة بناء على أننا أصلا في
+
+51
+00:05:19,050 --> 00:05:25,480
+المعاملات الإباحة وهذا العقدلم يرد فيه نص لا في
+
+52
+00:05:25,480 --> 00:05:29,680
+كتاب الله ولا في سنة رسول الله صلى الله عليه وسلم
+
+53
+00:05:29,680 --> 00:05:36,940
+بالتحريم لم نجد أبدا نصا يقول إن التأمين محرم أو
+
+54
+00:05:36,940 --> 00:05:45,720
+حديثا يقول إن التأمين محرم فلذلك
+
+55
+00:05:45,720 --> 00:05:52,640
+نحن نقوله بالجواز هذا هو الدليل الأول أما الدليل
+
+56
+00:05:52,640 --> 00:06:00,430
+الثانيفهو المصلحة فهو المصلحة وتفصيل الكلام هنا
+
+57
+00:06:00,430 --> 00:06:07,710
+أنه لما كانت الأحكام الشرعية مبنية على رجحان
+
+58
+00:06:07,710 --> 00:06:14,770
+المصالح أو المفاسد فكل ما رجحت المصلحة كان الحكم
+
+59
+00:06:14,770 --> 00:06:19,010
+بالإباحة أو الحل أو الاستحباب وكل ما رجحت المفسدة
+
+60
+00:06:19,010 --> 00:06:25,030
+كان العكسونحن عندما نظرنا إلى التامين وجدنا أن ثمة
+
+61
+00:06:25,030 --> 00:06:32,330
+مصالح كثيرة تتحقق جراء انعقاد هذا العقد والتعامل
+
+62
+00:06:32,330 --> 00:06:37,810
+فيه حتى وإن كنا نقر بوجود بعض المفاسد لكن المصالح
+
+63
+00:06:37,810 --> 00:06:45,250
+أكبر بكثير ذلك أن مصالح الناس اليوم ذلك أن هذا
+
+64
+00:06:45,250 --> 00:06:49,530
+العقد قد انتشر واشتهرو أصبحت مصالح الناس الكبرى
+
+65
+00:06:49,530 --> 00:06:55,130
+التجارية والصناعية مرتبطة به حتى لو قلنا بالتحريم
+
+66
+00:06:55,130 --> 00:07:01,270
+لأدى ذلك إلى تعطل مصالح كثير من الناس إضافة إلى
+
+67
+00:07:01,270 --> 00:07:05,010
+أنهم يحققوا مظهرا من مظاهر التعاون
+
+68
+00:07:07,840 --> 00:07:14,180
+والتكافل الاجتماعي الذي حث عليه القرآن الكريم وحثت
+
+69
+00:07:14,180 --> 00:07:21,920
+عليه السنة النبوية فالمصالح فيه جالية وواضحة وإن
+
+70
+00:07:21,920 --> 00:07:27,260
+كان ثمة من بعض المفاسد فليس ثمة من حكم إلا وتجد
+
+71
+00:07:27,260 --> 00:07:31,700
+فيه بعض المفاسد أما الأدلة التي ذكرها الفريق الآخر
+
+72
+00:07:31,700 --> 00:07:37,070
+كما سنقول كما سنرى فلنا عليها ردأما المصالح في
+
+73
+00:07:37,070 --> 00:07:44,790
+الجملة راجحة على المفاسد في نظر هؤلاء فلذلك فقد
+
+74
+00:07:44,790 --> 00:07:47,890
+قرروا أنه مباح
+
+75
+00:07:57,050 --> 00:08:00,910
+لماذا يعني يحس المصالح تقول درء المفاسد أولى من
+
+76
+00:08:00,910 --> 00:08:06,810
+جلب المصالح؟ القاعدة .. جميل هذا السؤال القاعدة
+
+77
+00:08:06,810 --> 00:08:11,110
+الشرعية بالفعل تقول درء المفاسد أولى أو مقدم على
+
+78
+00:08:11,110 --> 00:08:17,810
+جلب المصالح ولكن متى؟ عندما تكون المصالح والمفاسد
+
+79
+00:08:17,810 --> 00:08:28,930
+متساوية متكافئة في هذه الحلقةماذا نقدم؟ درع المفسد
+
+80
+00:08:28,930 --> 00:08:34,930
+مقدم، لكن عندما ترجح المصلحة، تختفر المفسدة،
+
+81
+00:08:34,930 --> 00:08:40,890
+وعندما ترجح المفسدة، لا ينظروا إلى لا تعتبر
+
+82
+00:08:40,890 --> 00:08:46,700
+المصلحةلكن هذه القاعدة عندما تستوي المصالح
+
+83
+00:08:46,700 --> 00:08:55,740
+والمفاسد في هذه الحالة يعني يقدم القول أو الحكم
+
+84
+00:08:55,740 --> 00:09:01,340
+المبني على أنها مفسدة الدليل
+
+85
+00:09:01,340 --> 00:09:08,400
+الثالث وهو القياس والقياس أيها الأخوة هنا اللي
+
+86
+00:09:08,400 --> 00:09:15,290
+استدلوا بإيه قالواإن هذا العقد أي عقد التأمين في
+
+87
+00:09:15,290 --> 00:09:25,850
+حقيقته ومضمونه يشبه عقودا متعددة وجدت وعرفت في
+
+88
+00:09:25,850 --> 00:09:33,110
+الفقه الإسلامي وقال كثير من العلماء لم يكن أكثر
+
+89
+00:09:33,110 --> 00:09:39,690
+كلهم بإيه بحلها وجوازهاإذا مرة أخرى، هذا العقد،
+
+90
+00:09:39,690 --> 00:09:43,950
+عقد التأمين، قالوا هذا العقد في حقيقته، في مضمونه،
+
+91
+00:09:43,950 --> 00:09:48,930
+ليس بضرورة في اسمه وشكله، ولكن وإجراءاته، ولكن في
+
+92
+00:09:48,930 --> 00:09:55,510
+حقيقته، في مقاصده، في نتائجه، يشبه إيه؟ عقد يشبه
+
+93
+00:09:55,510 --> 00:10:01,290
+عقودا قال العلماء بحلها وجوازها
+
+94
+00:10:02,180 --> 00:10:08,920
+وإذا كان الأمر كذلك فإن المقيس عليه يلحق حكمه
+
+95
+00:10:08,920 --> 00:10:15,540
+بالمقيس في هذه الحالة نظرا الاتحاد المضمون واتحاد
+
+96
+00:10:15,540 --> 00:10:21,000
+العلة وإليكم هذه العقودما .. لنرى .. ما .. يعني
+
+97
+00:10:21,000 --> 00:10:25,200
+خلّيني أقول وكأني بالطرف الآخر يسألهم أيه عقود
+
+98
+00:10:25,200 --> 00:10:31,500
+هذه؟ ما هي العقود اللي تشبه عقود التأمين؟ و .. و
+
+99
+00:10:31,500 --> 00:10:35,340
+قال العلماء و بحلها قالوا تعالوا ليس عقد ولا عقدين
+
+100
+00:10:35,340 --> 00:10:39,540
+ولا تلاتة ولا أربعة عقد كثيرةمتعددة في حقيقة ..
+
+101
+00:10:39,540 --> 00:10:46,400
+وإن لم تكن تسمى عقد تأمين، أولها عقد الموالاة ..
+
+102
+00:10:46,400 --> 00:10:50,700
+أولها عقد الموالاة ما .. ما حقيقة هذا العقد يا
+
+103
+00:10:50,700 --> 00:10:58,800
+ترى؟ وما وجه الشبه بينه وبين عقد التأمين؟ أيوة يا
+
+104
+00:10:58,800 --> 00:10:59,120
+بدر
+
+105
+00:11:10,390 --> 00:11:14,370
+شخص غير عربي بأن يكون عربي وعارفه إذا لم يكن هو
+
+106
+00:11:14,370 --> 00:11:22,190
+رجل سواه إيش يعني؟ مانفسر ليه مرة أخرى ببساطة معنى
+
+107
+00:11:22,190 --> 00:11:29,970
+هذا العقد؟ شخص غير عربي دخل الإسباب جديد بيجي هذا
+
+108
+00:11:29,970 --> 00:11:36,030
+شخص عربي مع المعروف النسب بيكون عربي بدافع ادية عن
+
+109
+00:11:36,030 --> 00:11:40,630
+شخص غير عربيمجرد مثلا إذا قم بجناية أو يعني باتكاب
+
+110
+00:11:40,630 --> 00:11:44,250
+جناية هنا، قاتل اما شغال جاني، في المقابل، يقوم
+
+111
+00:11:44,250 --> 00:11:49,230
+العربي أو يقوم الأشنب هذا غير عربي بتوريس العربي
+
+112
+00:11:49,230 --> 00:11:55,230
+إذا لم يكن وارثه سوء، سوء عربي يعني اسفة، ببساطة
+
+113
+00:11:55,230 --> 00:12:00,070
+يا إخوة هذا .. اتفضلى يا أحمد بيختلف
+
+114
+00:12:00,070 --> 00:12:05,780
+عن التبانية، نعم بيختلفلحاجة ما في الاصلي يا اخو
+
+115
+00:12:05,780 --> 00:12:11,300
+هذا العقد كان موجودا في الجاهلية قبل الاسلام ولم
+
+116
+00:12:11,300 --> 00:12:18,400
+يكن مسلم وغير مسلم يعني هنا العقد تحول شوية لكن في
+
+117
+00:12:18,400 --> 00:12:25,900
+أساسي أن شخصا يكون طريدا من بلده لسبب من الأسباب
+
+118
+00:12:27,160 --> 00:12:32,860
+قريدا شريدا الى لم يجد او ربما لم تعجبه بلاده
+
+119
+00:12:32,860 --> 00:12:40,400
+مهاجرا الى غير ذلك فيلتجوا الى بلد اخر و الى قبيلة
+
+120
+00:12:40,400 --> 00:12:46,770
+معينة في داخل هذا البلد يلتجوا اليهالينضوي تحت
+
+121
+00:12:46,770 --> 00:12:52,630
+لوائها ويحتمي بحماها لأن قديما خاصة ماكان من
+
+122
+00:12:52,630 --> 00:12:57,810
+الصعوبة ان الواحد يعيش فردا نظرا لتهدد الأخطار بيه
+
+123
+00:12:57,810 --> 00:13:01,950
+لابد أن يلتج إلى مجموعة أو جماعة أو قبيلة أو إلى
+
+124
+00:13:01,950 --> 00:13:08,130
+غير ذلك تحميه فيلتج إلى قبيلة معينة ويطلب منهم
+
+125
+00:13:08,130 --> 00:13:13,270
+الحماية والالتجاء ان صح التعبير وأن ينضوي تحت
+
+126
+00:13:13,270 --> 00:13:14,110
+لوائهم
+
+127
+00:13:17,120 --> 00:13:29,740
+مقابل ماذا؟ مقابل أنه متى مات كل ميراثه لهم،
+
+128
+00:13:29,740 --> 00:13:34,300
+ميراثه و أمواله لهم، هو غالبا ما يكون صاحب مال،
+
+129
+00:13:34,300 --> 00:13:41,640
+لكن هو يفتقد الحماية، يفتقد العائلة أو القبيلةو ..
+
+130
+00:13:41,640 --> 00:13:46,300
+و يتم التعاقد على ذلك بينهم بعقد كان يسمى عقد
+
+131
+00:13:46,300 --> 00:13:50,900
+الموالا فيقولوا لشيخ القبيلة او لهذا الشخص الفرد
+
+132
+00:13:50,900 --> 00:13:56,260
+اللاجئ هذا او الشريد انت وليه انت وليه انت الكل في
+
+133
+00:13:56,260 --> 00:14:00,530
+الكل مش أبويا يعني زي التبنيانت وليي انت المسئول
+
+134
+00:14:00,530 --> 00:14:06,290
+عني انت المسئول عني تعقل بدليل قوله تعقل عني اذا
+
+135
+00:14:06,290 --> 00:14:11,590
+جنايت لو انا صار عندي مشكلة جناية كذا انت انت
+
+136
+00:14:11,590 --> 00:14:18,070
+تحلها انت تدفع عني انت تحميني تبعتلي الميليشيات
+
+137
+00:14:18,070 --> 00:14:25,530
+تبعت القبيلة تبعتك اه الى غير ذلك المقابل وتريثوني
+
+138
+00:14:25,530 --> 00:14:27,270
+اذا ماتت انا برضه
+
+139
+00:14:30,120 --> 00:14:37,100
+الصورة ان هذا يعني وحيد الصورة انه وحداني وحتى لو
+
+140
+00:14:37,100 --> 00:14:43,840
+لم يكن كذلك هو اتفق معاه ان يصبح ماله للقبيلة لو
+
+141
+00:14:43,840 --> 00:14:48,340
+كان متزوج او زوجوه بعد هيك ربما يعيدوا النظر في
+
+142
+00:14:48,340 --> 00:14:52,340
+كيفية التقسيم يعني لكن اصل الصورة انه وحيد هو جاى
+
+143
+00:14:52,340 --> 00:14:58,090
+.. بقولنا احنا هو جاى يعني حامل ما خف ثمنهوما ..
+
+144
+00:14:58,090 --> 00:15:03,650
+ما .. ما غلى ثمنه وخف حمله يعني شارد ربما من بلده
+
+145
+00:15:03,650 --> 00:15:08,890
+او كذا او عمله عملة او سرقله سريقة او يعني .. يعني
+
+146
+00:15:08,890 --> 00:15:13,270
+هيك يعني مطارد من بلاده فانتج الى بلاد اخرى فو كان
+
+147
+00:15:13,270 --> 00:15:17,070
+طبعا المصالح هي اللتي تربط الناس ببعضها البعض ما
+
+148
+00:15:17,070 --> 00:15:22,530
+لم يكن هناك دين ولا ما لم يكن هناك ايمان مبالغش
+
+149
+00:15:22,530 --> 00:15:27,010
+خير بلغة المصالح اللي بتربط الناسليش روسيا بتدعم
+
+150
+00:15:27,010 --> 00:15:30,350
+سوريا؟ ليش الصين بتدعم سوريا؟ ليش إيران بتدعم
+
+151
+00:15:30,350 --> 00:15:39,310
+سوريا؟ لغة مصالح كلها، أه ف .. لكن
+
+152
+00:15:39,310 --> 00:15:46,270
+هذا يا أخوة تطور، هذا العقد في الإسلام تطور في
+
+153
+00:15:46,270 --> 00:15:49,970
+الإسلام .. في بعد الإسلام صار الناس برضه يسلم
+
+154
+00:15:49,970 --> 00:15:56,610
+الواحد منهموربما يترك أهله وبلده الذين ضلوا على
+
+155
+00:15:56,610 --> 00:16:03,090
+الكفر فيجيب نفسه يعني وحيدا يعني فيلتج إلى شخص
+
+156
+00:16:03,090 --> 00:16:07,150
+مسلم يعيش معاه يؤاخيه يعني إلى غير ذلك
+
+157
+00:16:09,790 --> 00:16:17,310
+ينبوي تحت لواء عائلته أو قبيلته على أنه بنفس صيغة
+
+158
+00:16:17,310 --> 00:16:23,270
+و يتعقدان على هذا العقد بهذه الصيغة فيقول له أنت و
+
+159
+00:16:23,270 --> 00:16:27,690
+ليه تعقله عني كإني واحد من عيلتك و تاريثوني إذا
+
+160
+00:16:27,690 --> 00:16:31,990
+ماتت والورثة تعتبر هي تأمين بالظبط الآن يا أخو هذا
+
+161
+00:16:31,990 --> 00:16:35,770
+لأ بس أنا عشان جاب المبين وجوه الشبه عايز أقول أن
+
+162
+00:16:35,770 --> 00:16:44,560
+هذا العقدخاصة بعد الإسلام أجازه بعض العلماء فقط
+
+163
+00:16:44,560 --> 00:16:50,460
+مهم الحنفية بمعنى أنه ليس عقدا متفق عليه يعني عقد
+
+164
+00:16:50,460 --> 00:16:57,300
+محال خلاف لكن القائلون بجواز التأمين قالوا مدام أن
+
+165
+00:16:57,300 --> 00:17:01,980
+فريق من العلماء من علماء المسلمين أجازوه فلنا في
+
+166
+00:17:01,980 --> 00:17:09,200
+ذلك متكأن ومستنداعليه، لأنه في حقيقته يشبه عقد
+
+167
+00:17:09,200 --> 00:17:14,840
+التأمين، يشبه عقد التأمين من حيث كل العناصر
+
+168
+00:17:14,840 --> 00:17:18,480
+المتكون بيها، عقد التأمين فيه مؤمن ومؤمل له مبلغ
+
+169
+00:17:18,480 --> 00:17:21,900
+تأمين وقصة تأمين، لو هذه الأقصى اللي هي العناصر
+
+170
+00:17:21,900 --> 00:17:30,620
+الرئيسية، لو فحصنا وجودهافي عقد المولاة سنجدها و
+
+171
+00:17:30,620 --> 00:17:38,300
+الخطر موجود او الحدث الاحتمالي كله موجود فالمؤمن
+
+172
+00:17:38,300 --> 00:17:42,140
+هو الشيخ القبيلة او هو الرجل اللي يحتمى به و
+
+173
+00:17:42,140 --> 00:17:45,880
+المؤمن له ادار هذا الطريد او اللي دخل في الإسلام
+
+174
+00:17:45,880 --> 00:17:52,460
+جديد المبلغ التأمين هو .. لاهذا قصد التأمين المؤمن
+
+175
+00:17:52,460 --> 00:17:57,220
+له هو الشخص هذا قصد التأمين لكن مش يدفع في النهاية
+
+176
+00:17:57,220 --> 00:18:02,100
+يعني يعني باسم قلوبة الأمور ومبلغ التأمين هو ما
+
+177
+00:18:02,100 --> 00:18:06,760
+يقوم شيخه القبيلة وافراد القبيلة بالدفاع عنه او
+
+178
+00:18:06,760 --> 00:18:11,580
+بدفع الديه ايه ده في حالة العقل يعني في حالة
+
+179
+00:18:11,580 --> 00:18:17,620
+جنايته والخطر المحتمل موجود لأنه قد يحدث منه جريمة
+
+180
+00:18:17,620 --> 00:18:22,350
+او جناية وقد لا يحدثبعدين حتى الميراث تبعه، من أقل
+
+181
+00:18:22,350 --> 00:18:26,150
+لما نموت الله علم يضل ولا يصرف ولا الأمور يعني
+
+182
+00:18:26,150 --> 00:18:30,050
+كلها قابلة للاحتمالية ومع ذلك أجازه فريق من
+
+183
+00:18:30,050 --> 00:18:36,390
+العلماء وهو وإنما أجازوه دعني أكمل لأقول لما فيه
+
+184
+00:18:36,390 --> 00:18:43,070
+من مظهر من المظاهر التعاونوالتكافل والنصرة
+
+185
+00:18:43,070 --> 00:18:48,870
+والتأمين فيه هذا المعنى وتنطبق عليه هذه الأعناص
+
+186
+00:18:48,870 --> 00:18:51,290
+ولذلك نحن نقول بجوازه نعم
+
+187
+00:19:06,460 --> 00:19:12,980
+هذه نقطة الضعف تبعتهم، تبعت القياس والأدلة، الأدلة
+
+188
+00:19:12,980 --> 00:19:18,280
+هنلاقي أنها ضعيفة، وأول نقطة ضعف أن القياس على
+
+189
+00:19:18,280 --> 00:19:25,570
+صورة أو على عقد مختلف فيهاه مختلف فيه يعني انا
+
+190
+00:19:25,570 --> 00:19:31,310
+القياس يا اخو الاصل ان يكون على أصل على قاعدة على
+
+191
+00:19:31,310 --> 00:19:36,010
+حكم متفكد عليه على أصل على قاعدة او على حكم مختلف
+
+192
+00:19:36,010 --> 00:19:41,810
+فيه لكن هم هم حاولوا يعني يعني يحشدوا هم عارفين ان
+
+193
+00:19:41,810 --> 00:19:47,160
+هذا القياس ضعيفلكن هم بيقولوا قياس جنب قياس جنب
+
+194
+00:19:47,160 --> 00:19:52,080
+قياس جنب قياس يقوي بعضه بعضه يعني و لذلك هم حشدوا
+
+195
+00:19:52,080 --> 00:19:55,620
+القياسات ماجالوش قياس على صورة واحدة هتشوف صور
+
+196
+00:19:55,620 --> 00:20:00,460
+متعددة أما حقيقة يعني من شروط القياس أن يكون الرأس
+
+197
+00:20:00,460 --> 00:20:05,360
+المتفق عليه نعم هذا كلام صحيح وهذا تنبيه جيد من
+
+198
+00:20:05,360 --> 00:20:12,620
+الأخ .. إيش اسمك؟ صبيح صبيح صبيح صبيح اه طيب
+
+199
+00:20:15,910 --> 00:20:21,890
+إذا هذه الصورة الأولى من صور القياس قالوا لهم هل
+
+200
+00:20:21,890 --> 00:20:26,270
+من صور أخرى قالوا أه؟ أيش الصورة التانية أو القياس
+
+201
+00:20:26,270 --> 00:20:30,290
+الثاني؟ القياس أخد التأمين على نظام العواقل ونظام
+
+202
+00:20:30,290 --> 00:20:33,750
+العواقل يتحدث أنهم إذا جانا شخص ذات جنات .. الآن
+
+203
+00:20:33,750 --> 00:20:38,170
+يا أخوة هيكون .. هتكون نقطة ضعف من جانب آخر، نظام
+
+204
+00:20:38,170 --> 00:20:45,400
+العواقل متفق عليهفي الإسلام و جاسوا عليه و مع ذلك
+
+205
+00:20:45,400 --> 00:20:52,300
+التفريق الأول مش هيجبه لكن هيكون يعني المناقشة
+
+206
+00:20:52,300 --> 00:20:55,920
+أو الرد والاتراد من زاوية أخرى نعم النظام العراق
+
+207
+00:20:55,920 --> 00:21:00,320
+القائم على أنه قتل شخص يعني جناية غير عمل قتل غير
+
+208
+00:21:00,320 --> 00:21:04,800
+عمل فيكون الموجد أو المقابل لها هو الدية للقصاص
+
+209
+00:21:04,800 --> 00:21:08,510
+فالقصاص يكون في القتل العملوهنا القاتل يكون غير
+
+210
+00:21:08,510 --> 00:21:13,130
+عمد فيكون نظام العاقلة وهو مبلغ المال يوزع على
+
+211
+00:21:13,130 --> 00:21:16,910
+أفراد عشيرة الجاني أو القاتل وأفراد عشيرة وهم
+
+212
+00:21:16,910 --> 00:21:22,350
+يتناصروا لهم ويعتبر شخص منهم ويتوزع العاقل عليهم
+
+213
+00:21:22,350 --> 00:21:26,850
+على ثلاث الدفعات وذلك لحكمتين وهي صيانة دماء
+
+214
+00:21:26,850 --> 00:21:31,010
+المقلولين بالخطأ من الاندفاع كونه ممكن يكون القاتل
+
+215
+00:21:31,010 --> 00:21:35,170
+فقير والحكمة التانية هي تخفيف المصيبة عن الجاني
+
+216
+00:21:35,170 --> 00:21:39,920
+كونه شخص واحدإذا وزع الحمل على مجموعة فهذا يتخفف
+
+217
+00:21:39,920 --> 00:21:43,980
+من صعوبته، وواجه الشبه بينها وبين .. وبين التأمين
+
+218
+00:21:43,980 --> 00:21:47,340
+.. بين التأمين والعاقلة هو تقفيف أثر المصيبة عن
+
+219
+00:21:47,340 --> 00:21:51,520
+الجانب، فهنا توزع على جمع .. يعني العبء يوزع على
+
+220
+00:21:51,520 --> 00:21:55,800
+مجموعة في العاقلةIron في نظام التأمين يوزع الربيع
+
+221
+00:21:55,800 --> 00:21:58,960
+على مجموعة مؤمنين، كون الشركة لما تدفع للتأمين أو
+
+222
+00:21:58,960 --> 00:22:02,580
+يعني يؤمن عند الشركة وتعوده الشركة، ممكن يكون
+
+223
+00:22:02,580 --> 00:22:07,950
+الأموال التي دفعها لها تكفي تطيب هذا القتلوهنا
+
+224
+00:22:07,950 --> 00:22:13,330
+يعني في هذا التشابه ووضعنا هذا التشابه في ال ..
+
+225
+00:22:13,330 --> 00:22:16,970
+خليني امر بس خليني امر بس بعدين طيب حقيقة كلام
+
+226
+00:22:16,970 --> 00:22:21,090
+جميل هنا يعني القياس الثاني القياس على نظام
+
+227
+00:22:21,090 --> 00:22:24,750
+العواقل واحنا قلنا أول ما تحدثنا عن التأمين
+
+228
+00:22:24,750 --> 00:22:31,190
+التعاونيأو التأمين في الإسلام حتى الشامل قلنا من
+
+229
+00:22:31,190 --> 00:22:36,290
+مظاهر التأمين الشمولي في الإسلام أنه جاءت هناك
+
+230
+00:22:36,290 --> 00:22:41,670
+أحكام تؤمن الناس في حال وقوء المصابات من ذلك
+
+231
+00:22:41,670 --> 00:22:46,240
+النظام العواقلان هو من العواقل نظام معمول به مشروع
+
+232
+00:22:46,240 --> 00:22:52,800
+في الإسلام يعتمد على أن تلتزم العائلة التي يقوم
+
+233
+00:22:52,800 --> 00:23:01,720
+أحد أفرادها بقتل شخص آخر خاطئا وليس عمدا لأنه في
+
+234
+00:23:01,720 --> 00:23:08,580
+حالة العند لا الزامة للعائلة لا تلتزم وجوبالا
+
+235
+00:23:08,580 --> 00:23:14,920
+تلتزم لأن الشرع لو ألزمها في هذه الحالة ماذا
+
+236
+00:23:14,920 --> 00:23:20,440
+سيترتب؟ تشجيع على الجريمة إذا أنا وبدرة الجريمة
+
+237
+00:23:20,440 --> 00:23:24,300
+موجودة في نفس كل واحد يا أخوة بدرة الشر موجودة إذا
+
+238
+00:23:24,300 --> 00:23:30,660
+لجت بيئة خصبة أو محفزات ومشجعات ستترقى
+
+239
+00:23:30,660 --> 00:23:39,200
+فلذلك الإسلام يمنع مثل هذه البذور من أن تلبطمن
+
+240
+00:23:39,200 --> 00:23:46,660
+خلال الحلول الوقائية فالقاتل العام لا يجبر أحد على
+
+241
+00:23:46,660 --> 00:23:51,540
+.. لا يلزم أحد على مساعدته إذا واحد استحباب يعني
+
+242
+00:23:51,540 --> 00:23:59,360
+إذا كان بنفسه رغب لا نمنعه لكن أن نجبره لا لكن في
+
+243
+00:23:59,360 --> 00:24:03,540
+النظام في القتل خطأ لو أن أحد أفراد العائلة قتلى
+
+244
+00:24:03,540 --> 00:24:11,600
+شخصا خطأفإن جميع أفراد العائلة يلزمون بتعاون على
+
+245
+00:24:11,600 --> 00:24:21,510
+دفع دية المقتولطبعا الشرق خفف على القاتل واهله من
+
+246
+00:24:21,510 --> 00:24:28,090
+خلال تقسيط هذه الديا على مدار ثلاث سنوات على مدار
+
+247
+00:24:28,090 --> 00:24:33,390
+ثلاث سنوات فهذه العاقلة او نظام العاقلة يا اخوة لا
+
+248
+00:24:33,390 --> 00:24:36,830
+اريد ان اكثر هنا في التفاصيل نظام معمول به ونظام
+
+249
+00:24:36,830 --> 00:24:43,660
+مشروع ومتفق عليهيقول أصحاب هذا الرأي إن نظام أو
+
+250
+00:24:43,660 --> 00:24:54,080
+ثمين التجاري يشبه إلى حد كبير نظام العقل يشبه
+
+251
+00:24:54,080 --> 00:25:04,640
+فيالتفاصيل والعناصر من حيث ان مجموع أفراد العائلة
+
+252
+00:25:04,640 --> 00:25:11,060
+هم كمجموع المؤمنين المؤمن لهم اللي بيأمن عند
+
+253
+00:25:11,060 --> 00:25:16,740
+الشركة مش واحد واثنين عشرات ومئات هؤلاء كأنهم
+
+254
+00:25:16,740 --> 00:25:22,940
+أفراد عائلة واحدة كأنهم أفراد عائلة واحدة كأنهم
+
+255
+00:25:22,940 --> 00:25:29,620
+رتبواعندما دفع كل واحد منهم قصة من التأمين على أن
+
+256
+00:25:29,620 --> 00:25:37,360
+يؤمن أي منهم إذا وقع منه أو عليه خطر أو ضرر متفق
+
+257
+00:25:37,360 --> 00:25:43,400
+عليه وما الشركة إلا منظمة للأمر وما الشركة إلا
+
+258
+00:25:43,400 --> 00:25:47,500
+منظمة كأنهم نظروا إلى حقيقة التأمين التجاري على
+
+259
+00:25:47,500 --> 00:25:51,140
+إنه أشبه بنظام العواقل مجموعة اللي بيأمنوا عن شركة
+
+260
+00:25:51,140 --> 00:25:56,990
+معينة هم أفراد الأقللو واحد منهم وقع فيه أو عليه
+
+261
+00:25:56,990 --> 00:26:02,970
+مصاب فإنه يعوض من مجموع ما دفعه كل فرد من الأفراد
+
+262
+00:26:02,970 --> 00:26:07,850
+كما تقوم أفراد العائلة كل فرد منهم بالغ عاقل يقوم
+
+263
+00:26:07,850 --> 00:26:13,350
+بالمساهمة في تعويض أو في المساهمة في الديا التي
+
+264
+00:26:13,350 --> 00:26:21,400
+تلزم القاتل ومن جهة أخرىهي تشبهه من حيث النتيجة
+
+265
+00:26:21,400 --> 00:26:27,560
+فهذا التأمين العواقل المقصود بيه تخفيف الكوارث
+
+266
+00:26:27,560 --> 00:26:33,180
+والمصابات وكذلك في التأمين يتحقق هذا اللي بيصير
+
+267
+00:26:33,180 --> 00:26:40,220
+عنده حادث حقيقه لم يجد من يمد يد العون له او في
+
+268
+00:26:40,220 --> 00:26:43,980
+التأمين يجد من يمد يد العون له من مجموعة هذه
+
+269
+00:26:43,980 --> 00:26:50,870
+الدفعات او الاقصاد فيتحققالتخفيف عنه وهنا نحن
+
+270
+00:26:50,870 --> 00:26:55,010
+نقوله بالحل بل بالإجماع بل هناك إجماع على ذلك
+
+271
+00:26:55,010 --> 00:26:59,850
+فلماذا لا نقوله بالحل في مسألة التأمين؟ لماذا
+
+272
+00:26:59,850 --> 00:27:03,810
+تصرون على القول بتحريم التأمين مع أن هناك عقود
+
+273
+00:27:03,810 --> 00:27:10,560
+مشابهة فقط يعني إلى حد كبير؟والأمور بمقاصدها هذا
+
+274
+00:27:10,560 --> 00:27:14,940
+يحققه تخفيفا وهذا يحققه تخفيفا هنا في مشاركة ودفع
+
+275
+00:27:14,940 --> 00:27:19,140
+أقصاد وهنا في مشاركة ودفع أقصاد المسألة باستخدام
+
+276
+00:27:19,140 --> 00:27:24,360
+متأخير وتنظيمية الاختلاف في الشكليات والتنظيمات
+
+277
+00:27:24,360 --> 00:27:28,500
+يعني في العقل يتم الدفع أهندا ووقوع الخطر لكن في
+
+278
+00:27:28,500 --> 00:27:33,320
+التامين يتم الدفع الأقصاد قبل وقوع الخطر أو أهندا
+
+279
+00:27:33,320 --> 00:27:37,240
+بداية التعاقد المسألة مسألة شكلية ليس إلا في نظرهم
+
+280
+00:27:37,610 --> 00:27:45,130
+فمن هنا هم قالوا بأن عقد التأمين يكون جائزا قياسا
+
+281
+00:27:45,130 --> 00:27:51,250
+على عقد أو نظام العاقلة طبعا هناك ردود نؤجلها بعد
+
+282
+00:27:51,250 --> 00:27:57,750
+ذلك الصورة الثالثة قياس أخر القياس
+
+283
+00:27:57,750 --> 00:28:05,920
+على ضمان خطر الطريقيا اخوة، يمكن هذا شوية اليوم
+
+284
+00:28:05,920 --> 00:28:12,120
+مافيش منه، لكن قديما، قبل الإسلام و بعد الإسلام،
+
+285
+00:28:12,120 --> 00:28:19,320
+كانت الطرق خاطرة، وقطع الطرق منتشرينخطرة سواء قطع
+
+286
+00:28:19,320 --> 00:28:25,540
+طرق أو حيوانات أو مفازات، مناطق صحراوية حتى لو
+
+287
+00:28:25,540 --> 00:28:34,340
+مافيش ميا ولا أكل ولا .. فيحتاج الأمر إلى خبراء
+
+288
+00:28:34,340 --> 00:28:40,520
+ليدلوا الناس المسافرين على الطرق السالكة والآمنة
+
+289
+00:28:40,520 --> 00:28:46,630
+وغير الخاطرةفكان الواحد بالعادة قبل ما يسافر و
+
+290
+00:28:46,630 --> 00:28:50,930
+ممكن اليوم تكون الطريق سالكة و بكرا ايه زي حالتنا
+
+291
+00:28:50,930 --> 00:28:55,970
+اليوم امبارح مثلا فيه لغور رايقة اليوم صبح القصف
+
+292
+00:28:55,970 --> 00:29:00,250
+شغال و الاستشهاد و كل يوم في حالة و كذلك اللي في
+
+293
+00:29:00,250 --> 00:29:03,230
+الداخل يعني ممكن الطريق اليوم قطع الطرق قد يتنقلون
+
+294
+00:29:03,230 --> 00:29:08,730
+زي لما شرطة تكون واقفة كله ببوي بصير على .. خلاص
+
+295
+00:29:08,730 --> 00:29:17,110
+فبنتجل عن اليوم اخرأو لمكان آخر فهذا يضطر المسافر
+
+296
+00:29:17,110 --> 00:29:21,570
+قبل أن يسافر إلى أن يسأل أهل الخبرة اللي هم الدليل
+
+297
+00:29:21,570 --> 00:29:27,480
+بنسميه الدليل الطرق عن الطريق الأكثر أمناوهذا كلام
+
+298
+00:29:27,480 --> 00:29:31,020
+منتشر، حتى النبي يا إخوة صلى الله عليه وسلم عندما
+
+299
+00:29:31,020 --> 00:29:37,180
+هاجر إلى المدينة اتخذ دليلا ولا لا؟ دليلا لأنه
+
+300
+00:29:37,180 --> 00:29:43,280
+أراد أن يسلك طريقا التفافيا، ليس الطريق المعهود،
+
+301
+00:29:43,280 --> 00:29:53,730
+بحثا عن الأمن والتخفي وإلى غير ذلكفإذا سئلت الخبير
+
+302
+00:29:53,730 --> 00:30:01,910
+بالطرق عن سلامة الطريق فقال يعني بسلامتها أحيانا
+
+303
+00:30:01,910 --> 00:30:06,550
+المسافر يقوله يا راجل يؤكد عليه يقول له أنت متأكد؟
+
+304
+00:30:06,550 --> 00:30:11,490
+طب لو حصل في من يضمنني؟ فيقول له اذهب واصدق هذا
+
+305
+00:30:11,490 --> 00:30:17,290
+الطريق فإن حدث لك شيء يعني سرقت أو نهبت أو إلى غير
+
+306
+00:30:17,290 --> 00:30:26,640
+ذلك أو أصبت أنا ضامنانا ضامن هذا تعاقد صار اقل هذا
+
+307
+00:30:26,640 --> 00:30:32,160
+العقل ايضا اجازه بعض العلماء دينجوسيني لان لاحظوا
+
+308
+00:30:32,160 --> 00:30:37,080
+يا اخوة هذه عقود محال نظر يعني اقول ان الجمهور
+
+309
+00:30:37,080 --> 00:30:44,910
+يعني على عدم اجازتها او عدم الزامة ضامن بذلك لانهو
+
+310
+00:30:44,910 --> 00:30:50,690
+لم يتسبب قال له أنا ضامن و بعدين في وقتها تغيرت
+
+311
+00:30:50,690 --> 00:30:55,270
+الأمور و كان بيفكر الأمور يعني سالك و بعدين تغيرت
+
+312
+00:30:55,270 --> 00:30:59,870
+هو على كل الأحوال لكن مع ذلك المالكية او بعض علماء
+
+313
+00:30:59,870 --> 00:31:08,050
+المالكية قالوا يضمن لو حدث له شيء فإنه يضمن خسارته
+
+314
+00:31:08,050 --> 00:31:15,090
+ويلزمه تعويضأو ذلك الرجل اللي مضام ضامن خلاص قالك
+
+315
+00:31:15,090 --> 00:31:19,670
+هو تعال بالظبط عقد التأمين نفس الشغل عقد التأمين
+
+316
+00:31:19,670 --> 00:31:27,210
+طرف يتقدم لطرف ويتعاقد معاه على أنه متى حدث له
+
+317
+00:31:27,210 --> 00:31:33,610
+حادث معينيتأهد ذلك الطرف بتعويضه عن ذلك الحدث
+
+318
+00:31:33,610 --> 00:31:38,110
+مقابل أنه يدفع له أقصاد وهذا الضمن ربما يدفع له
+
+319
+00:31:38,110 --> 00:31:41,930
+وإن لم يكن مذكرا هنا لكن حتى لو كان لكن أنفة
+
+320
+00:31:41,930 --> 00:31:48,410
+العربي قديما لم تكن يعني ربما تجعله
+
+321
+00:31:48,410 --> 00:31:52,810
+يقبل أن يأخذ وربما يعني أخذ سواء أخذ أو لم يأخذ
+
+322
+00:31:52,810 --> 00:31:59,200
+لحظة من عبدين يا إخوانلمّن أشار إلى الحرمة أو دليل
+
+323
+00:31:59,200 --> 00:32:04,380
+الحرمة ماذا قال؟ قال هذا فيه الزام ما لا يلزم،
+
+324
+00:32:04,380 --> 00:32:10,080
+يعني نحن نلزم الشركة
+
+325
+00:32:10,080 --> 00:32:19,590
+بما لا تلتزم بهأو بما لا يلزمها به الشرع لأن الذي
+
+326
+00:32:19,590 --> 00:32:24,530
+يلتزم بالتعويض هو المتسبب بالخسارة لكن هنا على
+
+327
+00:32:24,530 --> 00:32:30,450
+العكس قالوا المالكية بأن الجهة هذا الضامن ملتزم
+
+328
+00:32:30,450 --> 00:32:37,970
+بالتزامه ملتزم بالتزامه هو التزم هو ألزم نفسه في
+
+329
+00:32:37,970 --> 00:32:48,020
+حالة وجودخطر ان ووقوع ضرر ان يتكفل زي الكفيل مش
+
+330
+00:32:48,020 --> 00:32:53,800
+الكفيل ضامن بيقوله وفي حديث في ذلك فهذا أصبح
+
+331
+00:32:53,800 --> 00:32:59,780
+الكفيل فيضمن ولذلك هناك أيضا في التأمين الأمر يعني
+
+332
+00:32:59,780 --> 00:33:06,960
+يستوي او يشبه .. يشبه إلى حد كبير عقد الضمان لخطر
+
+333
+00:33:06,960 --> 00:33:12,460
+الطريق من حيث ان هنايعني تعهد بالضمان و هنا كذلك
+
+334
+00:33:12,460 --> 00:33:17,760
+تعهد بالضمان هنا أطراف متعاقدة و هنا أطراف متعاقدة
+
+335
+00:33:17,760 --> 00:33:24,440
+و كل الأعناص المتوافقة فلم نقول بجواز عقد التأمين
+
+336
+00:33:24,440 --> 00:33:33,960
+صورة أخرى أيضا وهي صورة الالتزام بالوعد الملزم
+
+337
+00:33:35,430 --> 00:33:40,770
+الالتزام بالوعد المثلث وهذه تشبه يعني إلى حد كبير
+
+338
+00:33:40,770 --> 00:33:45,310
+الصورة اللتي قبلها لكن الصورة مختلفة المعاملة
+
+339
+00:33:45,310 --> 00:33:52,970
+مختلفة كيف هذه صورته أيها الأخوة لو أن شخصا طلب من
+
+340
+00:33:52,970 --> 00:34:04,120
+شخص مثلا مالا دينا أو هفة حتى طلب منهف مالا معينا
+
+341
+00:34:04,120 --> 00:34:09,240
+على اساس انه بده يبني بده يجوز الولد بده يحج بده
+
+342
+00:34:09,240 --> 00:34:14,180
+.. محتاجن الناس بتحتاج بعضها البعض فتقدم هي لشخص و
+
+343
+00:34:14,180 --> 00:34:23,360
+قالله انا اعطيك ولكن اخر الشهر عندما يعني ينزل
+
+344
+00:34:23,360 --> 00:34:30,190
+المرتبأو انا في صفقة تجارية بس يا لم لم نبيع ان
+
+345
+00:34:30,190 --> 00:34:36,370
+شاء الله خلال شهر زمان انا هي عشر تلاف دولار مثلا
+
+346
+00:34:36,370 --> 00:34:44,570
+وعد وعد بالدين او وعد بالتصدق او وعد بالهبة هذا
+
+347
+00:34:44,570 --> 00:34:54,110
+الوعد اجل ما وعد هذا الوعد هل يكون ملزما ام لاطبعا
+
+348
+00:34:54,110 --> 00:35:02,230
+الان يا اخوة القياس مبني على ان الوعد ملزم وهو ما
+
+349
+00:35:02,230 --> 00:35:08,910
+يراه ايضا بعض علماء الحنفية بعض علماء الملكية
+
+350
+00:35:08,910 --> 00:35:17,110
+الوعد يكون ملزما وهذا على خلاف الجمهور يا اخوة
+
+351
+00:35:18,010 --> 00:35:21,870
+الوعد في هذه الحالة يعني انتوا بتفكروا ماذا
+
+352
+00:35:21,870 --> 00:35:27,110
+تعتقدون الان هل الوعد يكون ملزم ولا مايكونش ملزم
+
+353
+00:35:27,110 --> 00:35:34,510
+طبعا فيه آراء القياس مبني على أحد الآراء على الرأي
+
+354
+00:35:34,510 --> 00:35:42,960
+الذي يقول بأنه ملزمعلى مبدع ان الالتزام يقوم مطلقا
+
+355
+00:35:42,960 --> 00:35:49,220
+ومطلقا يعني سواء ذكر السبب او لم يذكر بدأ يعمل في
+
+356
+00:35:49,220 --> 00:35:56,160
+الشيء اللذي وعد به او لم يبدأ فلذلك
+
+357
+00:35:56,160 --> 00:36:02,900
+الأخوة قالوا و التأمينيعني في حقيقته وعد و تعهد من
+
+358
+00:36:02,900 --> 00:36:09,720
+قبل شركة التأمين بدفع مبلغ من المال تعويض عن الضرر
+
+359
+00:36:09,720 --> 00:36:17,740
+اللذي يحصل لشخص معين مقابل هذه الأقصاد هنا وعد و
+
+360
+00:36:17,740 --> 00:36:23,980
+تعهد بالدفع وهو جائز وهنا وعد و تعهد بالدفع لم لا
+
+361
+00:36:23,980 --> 00:36:26,660
+يكون جائزا قياسا على الوعد الملزم
+
+362
+00:36:29,330 --> 00:36:34,070
+يعني هم بيربطوا بين العقود بعضها ببعض طبعا يا اخوة
+
+363
+00:36:34,070 --> 00:36:37,030
+في مسألة الوعد الملزم بس هنا وريت ان اقول ان تم
+
+364
+00:36:37,030 --> 00:36:41,710
+تقاراة متعددة جمهور العلماء على ان الوعد ليس ملزما
+
+365
+00:36:47,680 --> 00:36:52,360
+لكنه مستحب لأنه
+
+366
+00:36:52,360 --> 00:36:56,960
+من آيات المنافق ثلاث منها إذا وعد أخلف انت بتقعد
+
+367
+00:36:56,960 --> 00:37:03,450
+واحد و بعدين بتبطل هو مش هيقدر يرفع عليك قضيةلكن
+
+368
+00:37:03,450 --> 00:37:07,290
+لأ في عقد اسمه في عقد لكن عقد ليس ملزم هذا العقد
+
+369
+00:37:07,290 --> 00:37:13,430
+ليس ملزما لزاما قضائيا وانما فقط أخلاقيا و أدبيا
+
+370
+00:37:13,430 --> 00:37:19,830
+واستحبام على رأي جمهور العلماء ولذلك يعني القياس
+
+371
+00:37:19,830 --> 00:37:26,270
+هيختلف هناك بعض الأراء فصلتفقالت يكونوا العقد
+
+372
+00:37:26,270 --> 00:37:34,390
+ملزما إذا سمى السبب الذي من أجله كان الوعد والطلب
+
+373
+00:37:34,390 --> 00:37:39,350
+يعني قاله أنا بدي أبني خصص مش قاله أنا بدي مصاريه
+
+374
+00:37:39,350 --> 00:37:43,630
+بس فوافق
+
+375
+00:37:43,630 --> 00:37:48,270
+على ذلك فيصبحوا ملزما في هذه الحالة أما إذا كانوا
+
+376
+00:37:48,270 --> 00:37:53,380
+مطلاقا لا يكونوا ملزما منهم من تشدد أكتر قليلاعند
+
+377
+00:37:53,380 --> 00:38:00,720
+الإلزام فقال و هذا هو الرأي ربما يكون مقبولا انما
+
+378
+00:38:00,720 --> 00:38:12,200
+يكون الوعد ملزما إذا تلبس الموعد بما وعد به انا
+
+379
+00:38:12,200 --> 00:38:16,620
+بدي أبني قلتله قلتله و الا يومك عشر تلات دولار أخر
+
+380
+00:38:16,620 --> 00:38:22,500
+الشهر فنزل كبشات و نزل حجار و وصى على العمالفي
+
+381
+00:38:22,500 --> 00:38:30,360
+التزم بيما ال autism كانت؟ في
+
+382
+00:38:30,360 --> 00:38:37,770
+اللي ماعيش، راح نهتزماو بطل او كذا هنا لا تسبب في
+
+383
+00:38:37,770 --> 00:38:41,690
+ضرب ولا ضررة ولا ضرارة في الإسلام فلذلك فريق من
+
+384
+00:38:41,690 --> 00:38:45,530
+علماء ولعل هذا له وجهة يعني كبيرة يعني مع ان الاصل
+
+385
+00:38:45,530 --> 00:38:50,430
+بالوعد غير ملزم قضائيا يا اخوة لكن هو حقيقة ملزم
+
+386
+00:38:50,430 --> 00:38:59,980
+أدبا وإيمانا فعلالكن ف .. لذلك يا أخوة قالوا بإن
+
+387
+00:38:59,980 --> 00:39:05,840
+هذا العقد يشبه عقد التأمين فيكون عقده التأمين
+
+388
+00:39:05,840 --> 00:39:13,260
+أخيرا القياس على عقود التأمينات والمعاشات القياس
+
+389
+00:39:13,260 --> 00:39:17,450
+على عقود التأمينات تعالوا أنتوا تعالوايعني
+
+390
+00:39:17,450 --> 00:39:21,090
+التأمينات و المعاشات انتوا متفجين على ايش؟ على
+
+391
+00:39:21,090 --> 00:39:27,070
+جوازها و احنا بصراحة مش شايفين اي اختلاف بين عقود
+
+392
+00:39:27,070 --> 00:39:31,990
+التأمين و المعاشات هدولة صحاب الرأي التاني و بين
+
+393
+00:39:31,990 --> 00:39:36,250
+عقود التأمين التجارة اقصد
+
+394
+00:39:36,250 --> 00:39:44,030
+تأخذ او تخصم من الموظف وتدفع الى الحكومة او لهيئة
+
+395
+00:39:44,030 --> 00:39:50,860
+التأمينات و المعاشاتالى حين و تظل عملية الدفع الى
+
+396
+00:39:50,860 --> 00:39:58,380
+حين التقاعد عنده يبدأ باخذ مرتب تقاعدى الى حين
+
+397
+00:39:58,380 --> 00:40:02,700
+وفاته او الى حين بلغ اولاده سن الثمانية عشر الى سن
+
+398
+00:40:02,700 --> 00:40:07,620
+محدده وبالتالي
+
+399
+00:40:07,620 --> 00:40:12,620
+فهناك قصد و هناك مبلغ تأمين يدفع و هناك جهالة بل
+
+400
+00:40:12,620 --> 00:40:17,380
+نستطيع نقول ان الجهالةفي التأمينات والمعاشرات قد
+
+401
+00:40:17,380 --> 00:40:24,920
+تكون أشد و أكبر كيف؟ لأن انظروا هناك من الموظفين
+
+402
+00:40:24,920 --> 00:40:32,640
+من يعيش وحيداأو مع زوجها و لا ينجبوا أولادا و
+
+403
+00:40:32,640 --> 00:40:36,880
+بيظلوا ياخدوا منه و بعدين بعد ما يصل ال 60 بتقعد
+
+404
+00:40:36,880 --> 00:40:40,640
+بياخد مرتب سنة و سنتين بفجأه و بموت و مارته بتلحجه
+
+405
+00:40:40,640 --> 00:40:47,700
+و بعدين و انت .. و بالتالي صار في ايه المقابل أقل
+
+406
+00:40:47,700 --> 00:40:54,180
+بكثير جدا من ال .. من ما دفعه على طوال 40 عاما من
+
+407
+00:40:54,180 --> 00:41:00,800
+أقصاد تؤخر .. شخص آخر .. شخص ..شخص آخر طبعا عاش
+
+408
+00:41:00,800 --> 00:41:04,460
+ستين سنة و بعد الستين عاش كمان تلاتين سنة فخلال
+
+409
+00:41:04,460 --> 00:41:08,420
+التلاتين سنة اتجوز كمان تنتين صار عنده طبور ولاد
+
+410
+00:41:08,420 --> 00:41:11,440
+فضلوا
+
+411
+00:41:11,440 --> 00:41:15,160
+على مدار اربعين سنة بعد التقاعد و هو ياخد مرتب هو
+
+412
+00:41:15,160 --> 00:41:22,480
+و ولاده فالحقيقة يعني في جهالة في .. في غرض مش هم
+
+413
+00:41:22,480 --> 00:41:25,780
+.. طبعا مردود عليه الكلام هذا احنا في .. في .. هذا
+
+414
+00:41:25,780 --> 00:41:26,460
+ما قالهم
+
+415
+00:41:31,610 --> 00:41:36,470
+فكيف تقولون بحل التأمينات والمعاشات والعناصر هي
+
+416
+00:41:36,470 --> 00:41:41,170
+العناصر والجهالة هي الجهالة بل أشد وتحرمون التأمين
+
+417
+00:41:41,170 --> 00:41:46,680
+التجاري؟إذا مجموع و لذلك هم يحشدون الأدلة والصور
+
+418
+00:41:46,680 --> 00:41:51,720
+لكي تدعموا بعضها بعضا وإن كان في كل واحدة في يعني
+
+419
+00:41:51,720 --> 00:41:58,000
+ضعف في القياس نكمل الرد و ننتهي ان شاء الله من
+
+420
+00:41:58,000 --> 00:42:00,520
+التأمين كله المرة القادمة و كل عام تنخد
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RVTEQ_C1j4Y_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RVTEQ_C1j4Y_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..ea876092f4a29b8fdea900745dc3338b6ead20f2
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RVTEQ_C1j4Y_raw.srt
@@ -0,0 +1,1680 @@
+1
+00:00:20,910 --> 00:00:23,510
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:23,510 --> 00:00:28,790
+على رسول الله وعلى آله وصحبه ومن احتدى بهديه واسنى
+
+3
+00:00:28,790 --> 00:00:33,650
+بسنته إلى يوم الدين لازلنا
+
+4
+00:00:33,650 --> 00:00:45,750
+نتحدث عن أدلة العلماء في أو على حرمة أوحل التام
+
+5
+00:00:46,880 --> 00:00:50,940
+انتهينا من في المحاضرة السابقة من بيان أدلة
+
+6
+00:00:50,940 --> 00:00:57,420
+القائلين بحرمة التامين ومناهي وهم جمهور علماء
+
+7
+00:00:57,420 --> 00:01:04,580
+المعاصرين وقلنا بأنهم استدلوا بكثير من الأدلة على
+
+8
+00:01:04,580 --> 00:01:08,580
+رأسها أن هذا العقد يشتمل على الغرب أن هذا العقد
+
+9
+00:01:08,580 --> 00:01:13,240
+يشتمل على الربا بأنواعه المتعددة أن هذا العقد
+
+10
+00:01:13,240 --> 00:01:19,510
+يشتمل على الميسر والقماروأن فيه تحدين للقدر الإلهي
+
+11
+00:01:19,510 --> 00:01:24,810
+أضافنا إلى ذلك مزيد من الأدلة من خارج الكتاب
+
+12
+00:01:24,810 --> 00:01:28,250
+فقالوا
+
+13
+00:01:28,250 --> 00:01:30,130
+بأن هذا العقد
+
+14
+00:01:32,760 --> 00:01:38,120
+بيع للأمان والأمان لا يباع ولا يشترى أن هذا العقد
+
+15
+00:01:38,120 --> 00:01:41,780
+بيع داين بدين واخدناها رسول الله صلى الله عليه
+
+16
+00:01:41,780 --> 00:01:46,640
+وسلم عن ذلك عندما نقع بيع الكالق بالكالق وهو ما
+
+17
+00:01:46,640 --> 00:01:53,540
+فسره شراح الحديث ببيع الدين بالدينوإضافة إلى ذلك
+
+18
+00:01:53,540 --> 00:01:57,860
+أنه من باب الزام ما لا يلزم كما ذكر ابن عبدين حيث
+
+19
+00:01:57,860 --> 00:02:05,240
+إنه يغرم ويضمن شركة التأمين أو المؤمن بما لا
+
+20
+00:02:05,240 --> 00:02:11,740
+يلزمها إياه الشرع حيث إن الشرع إنما يلزم المتسبب
+
+21
+00:02:11,740 --> 00:02:22,760
+بالتلف بالتعويض لغيرهثم أضفنا أيضا دليلا أخر وهو
+
+22
+00:02:22,760 --> 00:02:29,340
+تلك المفاسد الكثيرة التي تترتب على عقد التأمين من
+
+23
+00:02:29,340 --> 00:02:35,620
+تزوير وتدليس وتحايل وإهدار
+
+24
+00:02:35,620 --> 00:02:42,340
+للأموال فهي كثيرةكل مجموع هذه الأدلة و ربما غيرها
+
+25
+00:02:42,340 --> 00:02:50,760
+أجعل هذا الفريق أو أقنع هذا الفريق بالقول بالتحرين
+
+26
+00:02:51,820 --> 00:02:57,540
+ولم يلتفتوا إلى بعض المصالح، ليس معنا أيها الأخوة
+
+27
+00:02:57,540 --> 00:03:01,940
+أن هذا الفريق يقول بالتحرين أنه لا يرى وجود مصالح،
+
+28
+00:03:01,940 --> 00:03:07,740
+هو يرى وجود بعض المصالح، لكن هذه المصالح لم ترتقي
+
+29
+00:03:07,740 --> 00:03:14,310
+إلى عظم هذه المفاسد أو عظموقوة هذه الأدلة فهذه
+
+30
+00:03:14,310 --> 00:03:18,550
+المفاسد
+
+31
+00:03:18,550 --> 00:03:23,490
+يعني كثيرة او هذه المصالح اسف لاتذكر امامتلكم
+
+32
+00:03:23,490 --> 00:03:30,470
+المصالح وامامتلكم الأدلة الواضحة اللتي انبنى عليها
+
+33
+00:03:30,470 --> 00:03:33,850
+القول بالتحريك اما القائلون بالجواز
+
+34
+00:03:38,310 --> 00:03:43,950
+فقد استدلوا كذلك بمجموعة من الأدلة قولنا انهم انهم
+
+35
+00:03:43,950 --> 00:03:49,750
+انهم استدلوا ب .. بثلاثة
+
+36
+00:03:49,750 --> 00:03:55,470
+او نستطيع ان نقول انهم استدلوا بثلاثة أدلة رئيسية
+
+37
+00:03:55,470 --> 00:04:00,310
+يعني مجمل هذه الأدلة اللتي بين أيدينا الدليل الأول
+
+38
+00:04:00,310 --> 00:04:03,550
+ان الأصل في المعاملات الإباحة
+
+39
+00:04:07,010 --> 00:04:15,850
+الدليل الثاني المصلحة الدليل الثالث القياس هذه
+
+40
+00:04:15,850 --> 00:04:22,860
+الأدلة بإجمال نعودأما دليلهم الأول فهو أن الأصلة
+
+41
+00:04:22,860 --> 00:04:26,840
+يعني ربما بعضها غير موجود أو موجود ضمن طيات الكلام
+
+42
+00:04:26,840 --> 00:04:30,900
+أنا يعني أستطيع أن أفندها على الشكل التالي أولا أن
+
+43
+00:04:30,900 --> 00:04:34,600
+الأصلة في المعاملات الإباحة وهذا ما ذكرناه ربما في
+
+44
+00:04:34,600 --> 00:04:39,960
+محاضراتنا الأول من خصائص المعاملات إن كنتم تذكرون
+
+45
+00:04:39,960 --> 00:04:45,760
+أن الأصلة فيهاالإباحة والحل خلافا للإبادات، ذلك أن
+
+46
+00:04:45,760 --> 00:04:54,180
+كل زمان وكل مكان تتجدد فيه المعاملات ويحتاج الناس
+
+47
+00:04:54,180 --> 00:05:01,900
+فيه إلى عقد جديدة وليس بالضرورة أن كل عقد يكون فيه
+
+48
+00:05:01,900 --> 00:05:07,870
+نص على شرعيتهالمهم أن لا يكون هناك نص على حرمته
+
+49
+00:05:07,870 --> 00:05:13,970
+فما لم يكن هناك فالعقد الذي لم يرد فيه نص يدلل على
+
+50
+00:05:13,970 --> 00:05:19,050
+حرمته فإن حكمه هو الإباحة بناء على أننا أصلا في
+
+51
+00:05:19,050 --> 00:05:25,480
+المعاملات الإباحة وهذا العقدلم يرد فيه نص لا في
+
+52
+00:05:25,480 --> 00:05:29,680
+كتاب الله ولا في سنة رسول الله صلى الله عليه وسلم
+
+53
+00:05:29,680 --> 00:05:36,940
+بالتحريم لم نجد أبدا نصا يقول إن التأمين محرم أو
+
+54
+00:05:36,940 --> 00:05:45,720
+حديثا يقول إن التأمين محرم فلذلك
+
+55
+00:05:45,720 --> 00:05:52,640
+نحن نقوله بالجواز هذا هو الدليل الأول أما الدليل
+
+56
+00:05:52,640 --> 00:06:00,430
+الثانيفهو المصلحة فهو المصلحة وتفصيل الكلام هنا
+
+57
+00:06:00,430 --> 00:06:07,710
+أنه لما كانت الأحكام الشرعية مبنية على رجحان
+
+58
+00:06:07,710 --> 00:06:14,770
+المصالح أو المفاسد فكل ما رجحت المصلحة كان الحكم
+
+59
+00:06:14,770 --> 00:06:19,010
+بالإباحة أو الحل أو الاستحباب وكل ما رجحت المفسدة
+
+60
+00:06:19,010 --> 00:06:25,030
+كان العكسونحن عندما نظرنا إلى التامين وجدنا أن ثمة
+
+61
+00:06:25,030 --> 00:06:32,330
+مصالح كثيرة تتحقق جراء انعقاد هذا العقد والتعامل
+
+62
+00:06:32,330 --> 00:06:37,810
+فيه حتى وإن كنا نقر بوجود بعض المفاسد لكن المصالح
+
+63
+00:06:37,810 --> 00:06:45,250
+أكبر بكثير ذلك أن مصالح الناس اليوم ذلك أن هذا
+
+64
+00:06:45,250 --> 00:06:49,530
+العقد قد انتشر واشتهرو أصبحت مصالح الناس الكبرى
+
+65
+00:06:49,530 --> 00:06:55,130
+التجارية والصناعية مرتبطة به حتى لو قلنا بالتحريم
+
+66
+00:06:55,130 --> 00:07:01,270
+لأدى ذلك إلى تعطل مصالح كثير من الناس إضافة إلى
+
+67
+00:07:01,270 --> 00:07:05,010
+أنهم يحققوا مظهرا من مظاهر التعاون
+
+68
+00:07:07,840 --> 00:07:14,180
+والتكافل الاجتماعي الذي حث عليه القرآن الكريم وحثت
+
+69
+00:07:14,180 --> 00:07:21,920
+عليه السنة النبوية فالمصالح فيه جالية وواضحة وإن
+
+70
+00:07:21,920 --> 00:07:27,260
+كان ثمة من بعض المفاسد فليس ثمة من حكم إلا وتجد
+
+71
+00:07:27,260 --> 00:07:31,700
+فيه بعض المفاسد أما الأدلة التي ذكرها الفريق الآخر
+
+72
+00:07:31,700 --> 00:07:37,070
+كما سنقول كما سنرى فلنا عليها ردأما المصالح في
+
+73
+00:07:37,070 --> 00:07:44,790
+الجملة راجحة على المفاسد في نظر هؤلاء فلذلك فقد
+
+74
+00:07:44,790 --> 00:07:47,890
+قرروا أنه مباح
+
+75
+00:07:57,050 --> 00:08:00,910
+لماذا يعني يحس المصالح تقول درء المفاسد أولى من
+
+76
+00:08:00,910 --> 00:08:06,810
+جلب المصالح؟ القاعدة .. جميل هذا السؤال القاعدة
+
+77
+00:08:06,810 --> 00:08:11,110
+الشرعية بالفعل تقول درء المفاسد أولى أو مقدم على
+
+78
+00:08:11,110 --> 00:08:17,810
+جلب المصالح ولكن متى؟ عندما تكون المصالح والمفاسد
+
+79
+00:08:17,810 --> 00:08:28,930
+متساوية متكافئة في هذه الحلقةماذا نقدم؟ درع المفسد
+
+80
+00:08:28,930 --> 00:08:34,930
+مقدم، لكن عندما ترجح المصلحة، تختفر المفسدة،
+
+81
+00:08:34,930 --> 00:08:40,890
+وعندما ترجح المفسدة، لا ينظروا إلى لا تعتبر
+
+82
+00:08:40,890 --> 00:08:46,700
+المصلحةلكن هذه القاعدة عندما تستوي المصالح
+
+83
+00:08:46,700 --> 00:08:55,740
+والمفاسد في هذه الحالة يعني يقدم القول أو الحكم
+
+84
+00:08:55,740 --> 00:09:01,340
+المبني على أنها مفسدة الدليل
+
+85
+00:09:01,340 --> 00:09:08,400
+الثالث وهو القياس والقياس أيها الأخوة هنا اللي
+
+86
+00:09:08,400 --> 00:09:15,290
+استدلوا بإيه قالواإن هذا العقد أي عقد التأمين في
+
+87
+00:09:15,290 --> 00:09:25,850
+حقيقته ومضمونه يشبه عقودا متعددة وجدت وعرفت في
+
+88
+00:09:25,850 --> 00:09:33,110
+الفقه الإسلامي وقال كثير من العلماء لم يكن أكثر
+
+89
+00:09:33,110 --> 00:09:39,690
+كلهم بإيه بحلها وجوازهاإذا مرة أخرى، هذا العقد،
+
+90
+00:09:39,690 --> 00:09:43,950
+عقد التأمين، قالوا هذا العقد في حقيقته، في مضمونه،
+
+91
+00:09:43,950 --> 00:09:48,930
+ليس بضرورة في اسمه وشكله، ولكن وإجراءاته، ولكن في
+
+92
+00:09:48,930 --> 00:09:55,510
+حقيقته، في مقاصده، في نتائجه، يشبه إيه؟ عقد يشبه
+
+93
+00:09:55,510 --> 00:10:01,290
+عقودا قال العلماء بحلها وجوازها
+
+94
+00:10:02,180 --> 00:10:08,920
+وإذا كان الأمر كذلك فإن المقيس عليه يلحق حكمه
+
+95
+00:10:08,920 --> 00:10:15,540
+بالمقيس في هذه الحالة نظرا الاتحاد المضمون واتحاد
+
+96
+00:10:15,540 --> 00:10:21,000
+العلة وإليكم هذه العقودما .. لنرى .. ما .. يعني
+
+97
+00:10:21,000 --> 00:10:25,200
+خلّيني أقول وكأني بالطرف الآخر يسألهم أيه عقود
+
+98
+00:10:25,200 --> 00:10:31,500
+هذه؟ ما هي العقود اللي تشبه عقود التأمين؟ و .. و
+
+99
+00:10:31,500 --> 00:10:35,340
+قال العلماء و بحلها قالوا تعالوا ليس عقد ولا عقدين
+
+100
+00:10:35,340 --> 00:10:39,540
+ولا تلاتة ولا أربعة عقد كثيرةمتعددة في حقيقة ..
+
+101
+00:10:39,540 --> 00:10:46,400
+وإن لم تكن تسمى عقد تأمين، أولها عقد الموالاة ..
+
+102
+00:10:46,400 --> 00:10:50,700
+أولها عقد الموالاة ما .. ما حقيقة هذا العقد يا
+
+103
+00:10:50,700 --> 00:10:58,800
+ترى؟ وما وجه الشبه بينه وبين عقد التأمين؟ أيوة يا
+
+104
+00:10:58,800 --> 00:10:59,120
+بدر
+
+105
+00:11:10,390 --> 00:11:14,370
+شخص غير عربي بأن يكون عربي وعارفه إذا لم يكن هو
+
+106
+00:11:14,370 --> 00:11:22,190
+رجل سواه إيش يعني؟ مانفسر ليه مرة أخرى ببساطة معنى
+
+107
+00:11:22,190 --> 00:11:29,970
+هذا العقد؟ شخص غير عربي دخل الإسباب جديد بيجي هذا
+
+108
+00:11:29,970 --> 00:11:36,030
+شخص عربي مع المعروف النسب بيكون عربي بدافع ادية عن
+
+109
+00:11:36,030 --> 00:11:40,630
+شخص غير عربيمجرد مثلا إذا قم بجناية أو يعني باتكاب
+
+110
+00:11:40,630 --> 00:11:44,250
+جناية هنا، قاتل اما شغال جاني، في المقابل، يقوم
+
+111
+00:11:44,250 --> 00:11:49,230
+العربي أو يقوم الأشنب هذا غير عربي بتوريس العربي
+
+112
+00:11:49,230 --> 00:11:55,230
+إذا لم يكن وارثه سوء، سوء عربي يعني اسفة، ببساطة
+
+113
+00:11:55,230 --> 00:12:00,070
+يا إخوة هذا .. اتفضلى يا أحمد بيختلف
+
+114
+00:12:00,070 --> 00:12:05,780
+عن التبانية، نعم بيختلفلحاجة ما في الاصلي يا اخو
+
+115
+00:12:05,780 --> 00:12:11,300
+هذا العقد كان موجودا في الجاهلية قبل الاسلام ولم
+
+116
+00:12:11,300 --> 00:12:18,400
+يكن مسلم وغير مسلم يعني هنا العقد تحول شوية لكن في
+
+117
+00:12:18,400 --> 00:12:25,900
+أساسي أن شخصا يكون طريدا من بلده لسبب من الأسباب
+
+118
+00:12:27,160 --> 00:12:32,860
+قريدا شريدا الى لم يجد او ربما لم تعجبه بلاده
+
+119
+00:12:32,860 --> 00:12:40,400
+مهاجرا الى غير ذلك فيلتجوا الى بلد اخر و الى قبيلة
+
+120
+00:12:40,400 --> 00:12:46,770
+معينة في داخل هذا البلد يلتجوا اليهالينضوي تحت
+
+121
+00:12:46,770 --> 00:12:52,630
+لوائها ويحتمي بحماها لأن قديما خاصة ماكان من
+
+122
+00:12:52,630 --> 00:12:57,810
+الصعوبة ان الواحد يعيش فردا نظرا لتهدد الأخطار بيه
+
+123
+00:12:57,810 --> 00:13:01,950
+لابد أن يلتج إلى مجموعة أو جماعة أو قبيلة أو إلى
+
+124
+00:13:01,950 --> 00:13:08,130
+غير ذلك تحميه فيلتج إلى قبيلة معينة ويطلب منهم
+
+125
+00:13:08,130 --> 00:13:13,270
+الحماية والالتجاء ان صح التعبير وأن ينضوي تحت
+
+126
+00:13:13,270 --> 00:13:14,110
+لوائهم
+
+127
+00:13:17,120 --> 00:13:29,740
+مقابل ماذا؟ مقابل أنه متى مات كل ميراثه لهم،
+
+128
+00:13:29,740 --> 00:13:34,300
+ميراثه و أمواله لهم، هو غالبا ما يكون صاحب مال،
+
+129
+00:13:34,300 --> 00:13:41,640
+لكن هو يفتقد الحماية، يفتقد العائلة أو القبيلةو ..
+
+130
+00:13:41,640 --> 00:13:46,300
+و يتم التعاقد على ذلك بينهم بعقد كان يسمى عقد
+
+131
+00:13:46,300 --> 00:13:50,900
+الموالا فيقولوا لشيخ القبيلة او لهذا الشخص الفرد
+
+132
+00:13:50,900 --> 00:13:56,260
+اللاجئ هذا او الشريد انت وليه انت وليه انت الكل في
+
+133
+00:13:56,260 --> 00:14:00,530
+الكل مش أبويا يعني زي التبنيانت وليي انت المسئول
+
+134
+00:14:00,530 --> 00:14:06,290
+عني انت المسئول عني تعقل بدليل قوله تعقل عني اذا
+
+135
+00:14:06,290 --> 00:14:11,590
+جنايت لو انا صار عندي مشكلة جناية كذا انت انت
+
+136
+00:14:11,590 --> 00:14:18,070
+تحلها انت تدفع عني انت تحميني تبعتلي الميليشيات
+
+137
+00:14:18,070 --> 00:14:25,530
+تبعت القبيلة تبعتك اه الى غير ذلك المقابل وتريثوني
+
+138
+00:14:25,530 --> 00:14:27,270
+اذا ماتت انا برضه
+
+139
+00:14:30,120 --> 00:14:37,100
+الصورة ان هذا يعني وحيد الصورة انه وحداني وحتى لو
+
+140
+00:14:37,100 --> 00:14:43,840
+لم يكن كذلك هو اتفق معاه ان يصبح ماله للقبيلة لو
+
+141
+00:14:43,840 --> 00:14:48,340
+كان متزوج او زوجوه بعد هيك ربما يعيدوا النظر في
+
+142
+00:14:48,340 --> 00:14:52,340
+كيفية التقسيم يعني لكن اصل الصورة انه وحيد هو جاى
+
+143
+00:14:52,340 --> 00:14:58,090
+.. بقولنا احنا هو جاى يعني حامل ما خف ثمنهوما ..
+
+144
+00:14:58,090 --> 00:15:03,650
+ما .. ما غلى ثمنه وخف حمله يعني شارد ربما من بلده
+
+145
+00:15:03,650 --> 00:15:08,890
+او كذا او عمله عملة او سرقله سريقة او يعني .. يعني
+
+146
+00:15:08,890 --> 00:15:13,270
+هيك يعني مطارد من بلاده فانتج الى بلاد اخرى فو كان
+
+147
+00:15:13,270 --> 00:15:17,070
+طبعا المصالح هي اللتي تربط الناس ببعضها البعض ما
+
+148
+00:15:17,070 --> 00:15:22,530
+لم يكن هناك دين ولا ما لم يكن هناك ايمان مبالغش
+
+149
+00:15:22,530 --> 00:15:27,010
+خير بلغة المصالح اللي بتربط الناسليش روسيا بتدعم
+
+150
+00:15:27,010 --> 00:15:30,350
+سوريا؟ ليش الصين بتدعم سوريا؟ ليش إيران بتدعم
+
+151
+00:15:30,350 --> 00:15:39,310
+سوريا؟ لغة مصالح كلها، أه ف .. لكن
+
+152
+00:15:39,310 --> 00:15:46,270
+هذا يا أخوة تطور، هذا العقد في الإسلام تطور في
+
+153
+00:15:46,270 --> 00:15:49,970
+الإسلام .. في بعد الإسلام صار الناس برضه يسلم
+
+154
+00:15:49,970 --> 00:15:56,610
+الواحد منهموربما يترك أهله وبلده الذين ضلوا على
+
+155
+00:15:56,610 --> 00:16:03,090
+الكفر فيجيب نفسه يعني وحيدا يعني فيلتج إلى شخص
+
+156
+00:16:03,090 --> 00:16:07,150
+مسلم يعيش معاه يؤاخيه يعني إلى غير ذلك
+
+157
+00:16:09,790 --> 00:16:17,310
+ينبوي تحت لواء عائلته أو قبيلته على أنه بنفس صيغة
+
+158
+00:16:17,310 --> 00:16:23,270
+و يتعقدان على هذا العقد بهذه الصيغة فيقول له أنت و
+
+159
+00:16:23,270 --> 00:16:27,690
+ليه تعقله عني كإني واحد من عيلتك و تاريثوني إذا
+
+160
+00:16:27,690 --> 00:16:31,990
+ماتت والورثة تعتبر هي تأمين بالظبط الآن يا أخو هذا
+
+161
+00:16:31,990 --> 00:16:35,770
+لأ بس أنا عشان جاب المبين وجوه الشبه عايز أقول أن
+
+162
+00:16:35,770 --> 00:16:44,560
+هذا العقدخاصة بعد الإسلام أجازه بعض العلماء فقط
+
+163
+00:16:44,560 --> 00:16:50,460
+مهم الحنفية بمعنى أنه ليس عقدا متفق عليه يعني عقد
+
+164
+00:16:50,460 --> 00:16:57,300
+محال خلاف لكن القائلون بجواز التأمين قالوا مدام أن
+
+165
+00:16:57,300 --> 00:17:01,980
+فريق من العلماء من علماء المسلمين أجازوه فلنا في
+
+166
+00:17:01,980 --> 00:17:09,200
+ذلك متكأن ومستنداعليه، لأنه في حقيقته يشبه عقد
+
+167
+00:17:09,200 --> 00:17:14,840
+التأمين، يشبه عقد التأمين من حيث كل العناصر
+
+168
+00:17:14,840 --> 00:17:18,480
+المتكون بيها، عقد التأمين فيه مؤمن ومؤمل له مبلغ
+
+169
+00:17:18,480 --> 00:17:21,900
+تأمين وقصة تأمين، لو هذه الأقصى اللي هي العناصر
+
+170
+00:17:21,900 --> 00:17:30,620
+الرئيسية، لو فحصنا وجودهافي عقد المولاة سنجدها و
+
+171
+00:17:30,620 --> 00:17:38,300
+الخطر موجود او الحدث الاحتمالي كله موجود فالمؤمن
+
+172
+00:17:38,300 --> 00:17:42,140
+هو الشيخ القبيلة او هو الرجل اللي يحتمى به و
+
+173
+00:17:42,140 --> 00:17:45,880
+المؤمن له ادار هذا الطريد او اللي دخل في الإسلام
+
+174
+00:17:45,880 --> 00:17:52,460
+جديد المبلغ التأمين هو .. لاهذا قصد التأمين المؤمن
+
+175
+00:17:52,460 --> 00:17:57,220
+له هو الشخص هذا قصد التأمين لكن مش يدفع في النهاية
+
+176
+00:17:57,220 --> 00:18:02,100
+يعني يعني باسم قلوبة الأمور ومبلغ التأمين هو ما
+
+177
+00:18:02,100 --> 00:18:06,760
+يقوم شيخه القبيلة وافراد القبيلة بالدفاع عنه او
+
+178
+00:18:06,760 --> 00:18:11,580
+بدفع الديه ايه ده في حالة العقل يعني في حالة
+
+179
+00:18:11,580 --> 00:18:17,620
+جنايته والخطر المحتمل موجود لأنه قد يحدث منه جريمة
+
+180
+00:18:17,620 --> 00:18:22,350
+او جناية وقد لا يحدثبعدين حتى الميراث تبعه، من أقل
+
+181
+00:18:22,350 --> 00:18:26,150
+لما نموت الله علم يضل ولا يصرف ولا الأمور يعني
+
+182
+00:18:26,150 --> 00:18:30,050
+كلها قابلة للاحتمالية ومع ذلك أجازه فريق من
+
+183
+00:18:30,050 --> 00:18:36,390
+العلماء وهو وإنما أجازوه دعني أكمل لأقول لما فيه
+
+184
+00:18:36,390 --> 00:18:43,070
+من مظهر من المظاهر التعاونوالتكافل والنصرة
+
+185
+00:18:43,070 --> 00:18:48,870
+والتأمين فيه هذا المعنى وتنطبق عليه هذه الأعناص
+
+186
+00:18:48,870 --> 00:18:51,290
+ولذلك نحن نقول بجوازه نعم
+
+187
+00:19:06,460 --> 00:19:12,980
+هذه نقطة الضعف تبعتهم، تبعت القياس والأدلة، الأدلة
+
+188
+00:19:12,980 --> 00:19:18,280
+هنلاقي أنها ضعيفة، وأول نقطة ضعف أن القياس على
+
+189
+00:19:18,280 --> 00:19:25,570
+صورة أو على عقد مختلف فيهاه مختلف فيه يعني انا
+
+190
+00:19:25,570 --> 00:19:31,310
+القياس يا اخو الاصل ان يكون على أصل على قاعدة على
+
+191
+00:19:31,310 --> 00:19:36,010
+حكم متفكد عليه على أصل على قاعدة او على حكم مختلف
+
+192
+00:19:36,010 --> 00:19:41,810
+فيه لكن هم هم حاولوا يعني يعني يحشدوا هم عارفين ان
+
+193
+00:19:41,810 --> 00:19:47,160
+هذا القياس ضعيفلكن هم بيقولوا قياس جنب قياس جنب
+
+194
+00:19:47,160 --> 00:19:52,080
+قياس جنب قياس يقوي بعضه بعضه يعني و لذلك هم حشدوا
+
+195
+00:19:52,080 --> 00:19:55,620
+القياسات ماجالوش قياس على صورة واحدة هتشوف صور
+
+196
+00:19:55,620 --> 00:20:00,460
+متعددة أما حقيقة يعني من شروط القياس أن يكون الرأس
+
+197
+00:20:00,460 --> 00:20:05,360
+المتفق عليه نعم هذا كلام صحيح وهذا تنبيه جيد من
+
+198
+00:20:05,360 --> 00:20:12,620
+الأخ .. إيش اسمك؟ صبيح صبيح صبيح صبيح اه طيب
+
+199
+00:20:15,910 --> 00:20:21,890
+إذا هذه الصورة الأولى من صور القياس قالوا لهم هل
+
+200
+00:20:21,890 --> 00:20:26,270
+من صور أخرى قالوا أه؟ أيش الصورة التانية أو القياس
+
+201
+00:20:26,270 --> 00:20:30,290
+الثاني؟ القياس أخد التأمين على نظام العواقل ونظام
+
+202
+00:20:30,290 --> 00:20:33,750
+العواقل يتحدث أنهم إذا جانا شخص ذات جنات .. الآن
+
+203
+00:20:33,750 --> 00:20:38,170
+يا أخوة هيكون .. هتكون نقطة ضعف من جانب آخر، نظام
+
+204
+00:20:38,170 --> 00:20:45,400
+العواقل متفق عليهفي الإسلام و جاسوا عليه و مع ذلك
+
+205
+00:20:45,400 --> 00:20:52,300
+التفريق الأول مش هيجبه لكن هيكون يعني المناقشة
+
+206
+00:20:52,300 --> 00:20:55,920
+أو الرد والاتراد من زاوية أخرى نعم النظام العراق
+
+207
+00:20:55,920 --> 00:21:00,320
+القائم على أنه قتل شخص يعني جناية غير عمل قتل غير
+
+208
+00:21:00,320 --> 00:21:04,800
+عمل فيكون الموجد أو المقابل لها هو الدية للقصاص
+
+209
+00:21:04,800 --> 00:21:08,510
+فالقصاص يكون في القتل العملوهنا القاتل يكون غير
+
+210
+00:21:08,510 --> 00:21:13,130
+عمد فيكون نظام العاقلة وهو مبلغ المال يوزع على
+
+211
+00:21:13,130 --> 00:21:16,910
+أفراد عشيرة الجاني أو القاتل وأفراد عشيرة وهم
+
+212
+00:21:16,910 --> 00:21:22,350
+يتناصروا لهم ويعتبر شخص منهم ويتوزع العاقل عليهم
+
+213
+00:21:22,350 --> 00:21:26,850
+على ثلاث الدفعات وذلك لحكمتين وهي صيانة دماء
+
+214
+00:21:26,850 --> 00:21:31,010
+المقلولين بالخطأ من الاندفاع كونه ممكن يكون القاتل
+
+215
+00:21:31,010 --> 00:21:35,170
+فقير والحكمة التانية هي تخفيف المصيبة عن الجاني
+
+216
+00:21:35,170 --> 00:21:39,920
+كونه شخص واحدإذا وزع الحمل على مجموعة فهذا يتخفف
+
+217
+00:21:39,920 --> 00:21:43,980
+من صعوبته، وواجه الشبه بينها وبين .. وبين التأمين
+
+218
+00:21:43,980 --> 00:21:47,340
+.. بين التأمين والعاقلة هو تقفيف أثر المصيبة عن
+
+219
+00:21:47,340 --> 00:21:51,520
+الجانب، فهنا توزع على جمع .. يعني العبء يوزع على
+
+220
+00:21:51,520 --> 00:21:55,800
+مجموعة في العاقلةIron في نظام التأمين يوزع الربيع
+
+221
+00:21:55,800 --> 00:21:58,960
+على مجموعة مؤمنين، كون الشركة لما تدفع للتأمين أو
+
+222
+00:21:58,960 --> 00:22:02,580
+يعني يؤمن عند الشركة وتعوده الشركة، ممكن يكون
+
+223
+00:22:02,580 --> 00:22:07,950
+الأموال التي دفعها لها تكفي تطيب هذا القتلوهنا
+
+224
+00:22:07,950 --> 00:22:13,330
+يعني في هذا التشابه ووضعنا هذا التشابه في ال ..
+
+225
+00:22:13,330 --> 00:22:16,970
+خليني امر بس خليني امر بس بعدين طيب حقيقة كلام
+
+226
+00:22:16,970 --> 00:22:21,090
+جميل هنا يعني القياس الثاني القياس على نظام
+
+227
+00:22:21,090 --> 00:22:24,750
+العواقل واحنا قلنا أول ما تحدثنا عن التأمين
+
+228
+00:22:24,750 --> 00:22:31,190
+التعاونيأو التأمين في الإسلام حتى الشامل قلنا من
+
+229
+00:22:31,190 --> 00:22:36,290
+مظاهر التأمين الشمولي في الإسلام أنه جاءت هناك
+
+230
+00:22:36,290 --> 00:22:41,670
+أحكام تؤمن الناس في حال وقوء المصابات من ذلك
+
+231
+00:22:41,670 --> 00:22:46,240
+النظام العواقلان هو من العواقل نظام معمول به مشروع
+
+232
+00:22:46,240 --> 00:22:52,800
+في الإسلام يعتمد على أن تلتزم العائلة التي يقوم
+
+233
+00:22:52,800 --> 00:23:01,720
+أحد أفرادها بقتل شخص آخر خاطئا وليس عمدا لأنه في
+
+234
+00:23:01,720 --> 00:23:08,580
+حالة العند لا الزامة للعائلة لا تلتزم وجوبالا
+
+235
+00:23:08,580 --> 00:23:14,920
+تلتزم لأن الشرع لو ألزمها في هذه الحالة ماذا
+
+236
+00:23:14,920 --> 00:23:20,440
+سيترتب؟ تشجيع على الجريمة إذا أنا وبدرة الجريمة
+
+237
+00:23:20,440 --> 00:23:24,300
+موجودة في نفس كل واحد يا أخوة بدرة الشر موجودة إذا
+
+238
+00:23:24,300 --> 00:23:30,660
+لجت بيئة خصبة أو محفزات ومشجعات ستترقى
+
+239
+00:23:30,660 --> 00:23:39,200
+فلذلك الإسلام يمنع مثل هذه البذور من أن تلبطمن
+
+240
+00:23:39,200 --> 00:23:46,660
+خلال الحلول الوقائية فالقاتل العام لا يجبر أحد على
+
+241
+00:23:46,660 --> 00:23:51,540
+.. لا يلزم أحد على مساعدته إذا واحد استحباب يعني
+
+242
+00:23:51,540 --> 00:23:59,360
+إذا كان بنفسه رغب لا نمنعه لكن أن نجبره لا لكن في
+
+243
+00:23:59,360 --> 00:24:03,540
+النظام في القتل خطأ لو أن أحد أفراد العائلة قتلى
+
+244
+00:24:03,540 --> 00:24:11,600
+شخصا خطأفإن جميع أفراد العائلة يلزمون بتعاون على
+
+245
+00:24:11,600 --> 00:24:21,510
+دفع دية المقتولطبعا الشرق خفف على القاتل واهله من
+
+246
+00:24:21,510 --> 00:24:28,090
+خلال تقسيط هذه الديا على مدار ثلاث سنوات على مدار
+
+247
+00:24:28,090 --> 00:24:33,390
+ثلاث سنوات فهذه العاقلة او نظام العاقلة يا اخوة لا
+
+248
+00:24:33,390 --> 00:24:36,830
+اريد ان اكثر هنا في التفاصيل نظام معمول به ونظام
+
+249
+00:24:36,830 --> 00:24:43,660
+مشروع ومتفق عليهيقول أصحاب هذا الرأي إن نظام أو
+
+250
+00:24:43,660 --> 00:24:54,080
+ثمين التجاري يشبه إلى حد كبير نظام العقل يشبه
+
+251
+00:24:54,080 --> 00:25:04,640
+فيالتفاصيل والعناصر من حيث ان مجموع أفراد العائلة
+
+252
+00:25:04,640 --> 00:25:11,060
+هم كمجموع المؤمنين المؤمن لهم اللي بيأمن عند
+
+253
+00:25:11,060 --> 00:25:16,740
+الشركة مش واحد واثنين عشرات ومئات هؤلاء كأنهم
+
+254
+00:25:16,740 --> 00:25:22,940
+أفراد عائلة واحدة كأنهم أفراد عائلة واحدة كأنهم
+
+255
+00:25:22,940 --> 00:25:29,620
+رتبواعندما دفع كل واحد منهم قصة من التأمين على أن
+
+256
+00:25:29,620 --> 00:25:37,360
+يؤمن أي منهم إذا وقع منه أو عليه خطر أو ضرر متفق
+
+257
+00:25:37,360 --> 00:25:43,400
+عليه وما الشركة إلا منظمة للأمر وما الشركة إلا
+
+258
+00:25:43,400 --> 00:25:47,500
+منظمة كأنهم نظروا إلى حقيقة التأمين التجاري على
+
+259
+00:25:47,500 --> 00:25:51,140
+إنه أشبه بنظام العواقل مجموعة اللي بيأمنوا عن شركة
+
+260
+00:25:51,140 --> 00:25:56,990
+معينة هم أفراد الأقللو واحد منهم وقع فيه أو عليه
+
+261
+00:25:56,990 --> 00:26:02,970
+مصاب فإنه يعوض من مجموع ما دفعه كل فرد من الأفراد
+
+262
+00:26:02,970 --> 00:26:07,850
+كما تقوم أفراد العائلة كل فرد منهم بالغ عاقل يقوم
+
+263
+00:26:07,850 --> 00:26:13,350
+بالمساهمة في تعويض أو في المساهمة في الديا التي
+
+264
+00:26:13,350 --> 00:26:21,400
+تلزم القاتل ومن جهة أخرىهي تشبهه من حيث النتيجة
+
+265
+00:26:21,400 --> 00:26:27,560
+فهذا التأمين العواقل المقصود بيه تخفيف الكوارث
+
+266
+00:26:27,560 --> 00:26:33,180
+والمصابات وكذلك في التأمين يتحقق هذا اللي بيصير
+
+267
+00:26:33,180 --> 00:26:40,220
+عنده حادث حقيقه لم يجد من يمد يد العون له او في
+
+268
+00:26:40,220 --> 00:26:43,980
+التأمين يجد من يمد يد العون له من مجموعة هذه
+
+269
+00:26:43,980 --> 00:26:50,870
+الدفعات او الاقصاد فيتحققالتخفيف عنه وهنا نحن
+
+270
+00:26:50,870 --> 00:26:55,010
+نقوله بالحل بل بالإجماع بل هناك إجماع على ذلك
+
+271
+00:26:55,010 --> 00:26:59,850
+فلماذا لا نقوله بالحل في مسألة التأمين؟ لماذا
+
+272
+00:26:59,850 --> 00:27:03,810
+تصرون على القول بتحريم التأمين مع أن هناك عقود
+
+273
+00:27:03,810 --> 00:27:10,560
+مشابهة فقط يعني إلى حد كبير؟والأمور بمقاصدها هذا
+
+274
+00:27:10,560 --> 00:27:14,940
+يحققه تخفيفا وهذا يحققه تخفيفا هنا في مشاركة ودفع
+
+275
+00:27:14,940 --> 00:27:19,140
+أقصاد وهنا في مشاركة ودفع أقصاد المسألة باستخدام
+
+276
+00:27:19,140 --> 00:27:24,360
+متأخير وتنظيمية الاختلاف في الشكليات والتنظيمات
+
+277
+00:27:24,360 --> 00:27:28,500
+يعني في العقل يتم الدفع أهندا ووقوع الخطر لكن في
+
+278
+00:27:28,500 --> 00:27:33,320
+التامين يتم الدفع الأقصاد قبل وقوع الخطر أو أهندا
+
+279
+00:27:33,320 --> 00:27:37,240
+بداية التعاقد المسألة مسألة شكلية ليس إلا في نظرهم
+
+280
+00:27:37,610 --> 00:27:45,130
+فمن هنا هم قالوا بأن عقد التأمين يكون جائزا قياسا
+
+281
+00:27:45,130 --> 00:27:51,250
+على عقد أو نظام العاقلة طبعا هناك ردود نؤجلها بعد
+
+282
+00:27:51,250 --> 00:27:57,750
+ذلك الصورة الثالثة قياس أخر القياس
+
+283
+00:27:57,750 --> 00:28:05,920
+على ضمان خطر الطريقيا اخوة، يمكن هذا شوية اليوم
+
+284
+00:28:05,920 --> 00:28:12,120
+مافيش منه، لكن قديما، قبل الإسلام و بعد الإسلام،
+
+285
+00:28:12,120 --> 00:28:19,320
+كانت الطرق خاطرة، وقطع الطرق منتشرينخطرة سواء قطع
+
+286
+00:28:19,320 --> 00:28:25,540
+طرق أو حيوانات أو مفازات، مناطق صحراوية حتى لو
+
+287
+00:28:25,540 --> 00:28:34,340
+مافيش ميا ولا أكل ولا .. فيحتاج الأمر إلى خبراء
+
+288
+00:28:34,340 --> 00:28:40,520
+ليدلوا الناس المسافرين على الطرق السالكة والآمنة
+
+289
+00:28:40,520 --> 00:28:46,630
+وغير الخاطرةفكان الواحد بالعادة قبل ما يسافر و
+
+290
+00:28:46,630 --> 00:28:50,930
+ممكن اليوم تكون الطريق سالكة و بكرا ايه زي حالتنا
+
+291
+00:28:50,930 --> 00:28:55,970
+اليوم امبارح مثلا فيه لغور رايقة اليوم صبح القصف
+
+292
+00:28:55,970 --> 00:29:00,250
+شغال و الاستشهاد و كل يوم في حالة و كذلك اللي في
+
+293
+00:29:00,250 --> 00:29:03,230
+الداخل يعني ممكن الطريق اليوم قطع الطرق قد يتنقلون
+
+294
+00:29:03,230 --> 00:29:08,730
+زي لما شرطة تكون واقفة كله ببوي بصير على .. خلاص
+
+295
+00:29:08,730 --> 00:29:17,110
+فبنتجل عن اليوم اخرأو لمكان آخر فهذا يضطر المسافر
+
+296
+00:29:17,110 --> 00:29:21,570
+قبل أن يسافر إلى أن يسأل أهل الخبرة اللي هم الدليل
+
+297
+00:29:21,570 --> 00:29:27,480
+بنسميه الدليل الطرق عن الطريق الأكثر أمناوهذا كلام
+
+298
+00:29:27,480 --> 00:29:31,020
+منتشر، حتى النبي يا إخوة صلى الله عليه وسلم عندما
+
+299
+00:29:31,020 --> 00:29:37,180
+هاجر إلى المدينة اتخذ دليلا ولا لا؟ دليلا لأنه
+
+300
+00:29:37,180 --> 00:29:43,280
+أراد أن يسلك طريقا التفافيا، ليس الطريق المعهود،
+
+301
+00:29:43,280 --> 00:29:53,730
+بحثا عن الأمن والتخفي وإلى غير ذلكفإذا سئلت الخبير
+
+302
+00:29:53,730 --> 00:30:01,910
+بالطرق عن سلامة الطريق فقال يعني بسلامتها أحيانا
+
+303
+00:30:01,910 --> 00:30:06,550
+المسافر يقوله يا راجل يؤكد عليه يقول له أنت متأكد؟
+
+304
+00:30:06,550 --> 00:30:11,490
+طب لو حصل في من يضمنني؟ فيقول له اذهب واصدق هذا
+
+305
+00:30:11,490 --> 00:30:17,290
+الطريق فإن حدث لك شيء يعني سرقت أو نهبت أو إلى غير
+
+306
+00:30:17,290 --> 00:30:26,640
+ذلك أو أصبت أنا ضامنانا ضامن هذا تعاقد صار اقل هذا
+
+307
+00:30:26,640 --> 00:30:32,160
+العقل ايضا اجازه بعض العلماء دينجوسيني لان لاحظوا
+
+308
+00:30:32,160 --> 00:30:37,080
+يا اخوة هذه عقود محال نظر يعني اقول ان الجمهور
+
+309
+00:30:37,080 --> 00:30:44,910
+يعني على عدم اجازتها او عدم الزامة ضامن بذلك لانهو
+
+310
+00:30:44,910 --> 00:30:50,690
+لم يتسبب قال له أنا ضامن و بعدين في وقتها تغيرت
+
+311
+00:30:50,690 --> 00:30:55,270
+الأمور و كان بيفكر الأمور يعني سالك و بعدين تغيرت
+
+312
+00:30:55,270 --> 00:30:59,870
+هو على كل الأحوال لكن مع ذلك المالكية او بعض علماء
+
+313
+00:30:59,870 --> 00:31:08,050
+المالكية قالوا يضمن لو حدث له شيء فإنه يضمن خسارته
+
+314
+00:31:08,050 --> 00:31:15,090
+ويلزمه تعويضأو ذلك الرجل اللي مضام ضامن خلاص قالك
+
+315
+00:31:15,090 --> 00:31:19,670
+هو تعال بالظبط عقد التأمين نفس الشغل عقد التأمين
+
+316
+00:31:19,670 --> 00:31:27,210
+طرف يتقدم لطرف ويتعاقد معاه على أنه متى حدث له
+
+317
+00:31:27,210 --> 00:31:33,610
+حادث معينيتأهد ذلك الطرف بتعويضه عن ذلك الحدث
+
+318
+00:31:33,610 --> 00:31:38,110
+مقابل أنه يدفع له أقصاد وهذا الضمن ربما يدفع له
+
+319
+00:31:38,110 --> 00:31:41,930
+وإن لم يكن مذكرا هنا لكن حتى لو كان لكن أنفة
+
+320
+00:31:41,930 --> 00:31:48,410
+العربي قديما لم تكن يعني ربما تجعله
+
+321
+00:31:48,410 --> 00:31:52,810
+يقبل أن يأخذ وربما يعني أخذ سواء أخذ أو لم يأخذ
+
+322
+00:31:52,810 --> 00:31:59,200
+لحظة من عبدين يا إخوانلمّن أشار إلى الحرمة أو دليل
+
+323
+00:31:59,200 --> 00:32:04,380
+الحرمة ماذا قال؟ قال هذا فيه الزام ما لا يلزم،
+
+324
+00:32:04,380 --> 00:32:10,080
+يعني نحن نلزم الشركة
+
+325
+00:32:10,080 --> 00:32:19,590
+بما لا تلتزم بهأو بما لا يلزمها به الشرع لأن الذي
+
+326
+00:32:19,590 --> 00:32:24,530
+يلتزم بالتعويض هو المتسبب بالخسارة لكن هنا على
+
+327
+00:32:24,530 --> 00:32:30,450
+العكس قالوا المالكية بأن الجهة هذا الضامن ملتزم
+
+328
+00:32:30,450 --> 00:32:37,970
+بالتزامه ملتزم بالتزامه هو التزم هو ألزم نفسه في
+
+329
+00:32:37,970 --> 00:32:48,020
+حالة وجودخطر ان ووقوع ضرر ان يتكفل زي الكفيل مش
+
+330
+00:32:48,020 --> 00:32:53,800
+الكفيل ضامن بيقوله وفي حديث في ذلك فهذا أصبح
+
+331
+00:32:53,800 --> 00:32:59,780
+الكفيل فيضمن ولذلك هناك أيضا في التأمين الأمر يعني
+
+332
+00:32:59,780 --> 00:33:06,960
+يستوي او يشبه .. يشبه إلى حد كبير عقد الضمان لخطر
+
+333
+00:33:06,960 --> 00:33:12,460
+الطريق من حيث ان هنايعني تعهد بالضمان و هنا كذلك
+
+334
+00:33:12,460 --> 00:33:17,760
+تعهد بالضمان هنا أطراف متعاقدة و هنا أطراف متعاقدة
+
+335
+00:33:17,760 --> 00:33:24,440
+و كل الأعناص المتوافقة فلم نقول بجواز عقد التأمين
+
+336
+00:33:24,440 --> 00:33:33,960
+صورة أخرى أيضا وهي صورة الالتزام بالوعد الملزم
+
+337
+00:33:35,430 --> 00:33:40,770
+الالتزام بالوعد المثلث وهذه تشبه يعني إلى حد كبير
+
+338
+00:33:40,770 --> 00:33:45,310
+الصورة اللتي قبلها لكن الصورة مختلفة المعاملة
+
+339
+00:33:45,310 --> 00:33:52,970
+مختلفة كيف هذه صورته أيها الأخوة لو أن شخصا طلب من
+
+340
+00:33:52,970 --> 00:34:04,120
+شخص مثلا مالا دينا أو هفة حتى طلب منهف مالا معينا
+
+341
+00:34:04,120 --> 00:34:09,240
+على اساس انه بده يبني بده يجوز الولد بده يحج بده
+
+342
+00:34:09,240 --> 00:34:14,180
+.. محتاجن الناس بتحتاج بعضها البعض فتقدم هي لشخص و
+
+343
+00:34:14,180 --> 00:34:23,360
+قالله انا اعطيك ولكن اخر الشهر عندما يعني ينزل
+
+344
+00:34:23,360 --> 00:34:30,190
+المرتبأو انا في صفقة تجارية بس يا لم لم نبيع ان
+
+345
+00:34:30,190 --> 00:34:36,370
+شاء الله خلال شهر زمان انا هي عشر تلاف دولار مثلا
+
+346
+00:34:36,370 --> 00:34:44,570
+وعد وعد بالدين او وعد بالتصدق او وعد بالهبة هذا
+
+347
+00:34:44,570 --> 00:34:54,110
+الوعد اجل ما وعد هذا الوعد هل يكون ملزما ام لاطبعا
+
+348
+00:34:54,110 --> 00:35:02,230
+الان يا اخوة القياس مبني على ان الوعد ملزم وهو ما
+
+349
+00:35:02,230 --> 00:35:08,910
+يراه ايضا بعض علماء الحنفية بعض علماء الملكية
+
+350
+00:35:08,910 --> 00:35:17,110
+الوعد يكون ملزما وهذا على خلاف الجمهور يا اخوة
+
+351
+00:35:18,010 --> 00:35:21,870
+الوعد في هذه الحالة يعني انتوا بتفكروا ماذا
+
+352
+00:35:21,870 --> 00:35:27,110
+تعتقدون الان هل الوعد يكون ملزم ولا مايكونش ملزم
+
+353
+00:35:27,110 --> 00:35:34,510
+طبعا فيه آراء القياس مبني على أحد الآراء على الرأي
+
+354
+00:35:34,510 --> 00:35:42,960
+الذي يقول بأنه ملزمعلى مبدع ان الالتزام يقوم مطلقا
+
+355
+00:35:42,960 --> 00:35:49,220
+ومطلقا يعني سواء ذكر السبب او لم يذكر بدأ يعمل في
+
+356
+00:35:49,220 --> 00:35:56,160
+الشيء اللذي وعد به او لم يبدأ فلذلك
+
+357
+00:35:56,160 --> 00:36:02,900
+الأخوة قالوا و التأمينيعني في حقيقته وعد و تعهد من
+
+358
+00:36:02,900 --> 00:36:09,720
+قبل شركة التأمين بدفع مبلغ من المال تعويض عن الضرر
+
+359
+00:36:09,720 --> 00:36:17,740
+اللذي يحصل لشخص معين مقابل هذه الأقصاد هنا وعد و
+
+360
+00:36:17,740 --> 00:36:23,980
+تعهد بالدفع وهو جائز وهنا وعد و تعهد بالدفع لم لا
+
+361
+00:36:23,980 --> 00:36:26,660
+يكون جائزا قياسا على الوعد الملزم
+
+362
+00:36:29,330 --> 00:36:34,070
+يعني هم بيربطوا بين العقود بعضها ببعض طبعا يا اخوة
+
+363
+00:36:34,070 --> 00:36:37,030
+في مسألة الوعد الملزم بس هنا وريت ان اقول ان تم
+
+364
+00:36:37,030 --> 00:36:41,710
+تقاراة متعددة جمهور العلماء على ان الوعد ليس ملزما
+
+365
+00:36:47,680 --> 00:36:52,360
+لكنه مستحب لأنه
+
+366
+00:36:52,360 --> 00:36:56,960
+من آيات المنافق ثلاث منها إذا وعد أخلف انت بتقعد
+
+367
+00:36:56,960 --> 00:37:03,450
+واحد و بعدين بتبطل هو مش هيقدر يرفع عليك قضيةلكن
+
+368
+00:37:03,450 --> 00:37:07,290
+لأ في عقد اسمه في عقد لكن عقد ليس ملزم هذا العقد
+
+369
+00:37:07,290 --> 00:37:13,430
+ليس ملزما لزاما قضائيا وانما فقط أخلاقيا و أدبيا
+
+370
+00:37:13,430 --> 00:37:19,830
+واستحبام على رأي جمهور العلماء ولذلك يعني القياس
+
+371
+00:37:19,830 --> 00:37:26,270
+هيختلف هناك بعض الأراء فصلتفقالت يكونوا العقد
+
+372
+00:37:26,270 --> 00:37:34,390
+ملزما إذا سمى السبب الذي من أجله كان الوعد والطلب
+
+373
+00:37:34,390 --> 00:37:39,350
+يعني قاله أنا بدي أبني خصص مش قاله أنا بدي مصاريه
+
+374
+00:37:39,350 --> 00:37:43,630
+بس فوافق
+
+375
+00:37:43,630 --> 00:37:48,270
+على ذلك فيصبحوا ملزما في هذه الحالة أما إذا كانوا
+
+376
+00:37:48,270 --> 00:37:53,380
+مطلاقا لا يكونوا ملزما منهم من تشدد أكتر قليلاعند
+
+377
+00:37:53,380 --> 00:38:00,720
+الإلزام فقال و هذا هو الرأي ربما يكون مقبولا انما
+
+378
+00:38:00,720 --> 00:38:12,200
+يكون الوعد ملزما إذا تلبس الموعد بما وعد به انا
+
+379
+00:38:12,200 --> 00:38:16,620
+بدي أبني قلتله قلتله و الا يومك عشر تلات دولار أخر
+
+380
+00:38:16,620 --> 00:38:22,500
+الشهر فنزل كبشات و نزل حجار و وصى على العمالفي
+
+381
+00:38:22,500 --> 00:38:30,360
+التزم بيما ال autism كانت؟ في
+
+382
+00:38:30,360 --> 00:38:37,770
+اللي ماعيش، راح نهتزماو بطل او كذا هنا لا تسبب في
+
+383
+00:38:37,770 --> 00:38:41,690
+ضرب ولا ضررة ولا ضرارة في الإسلام فلذلك فريق من
+
+384
+00:38:41,690 --> 00:38:45,530
+علماء ولعل هذا له وجهة يعني كبيرة يعني مع ان الاصل
+
+385
+00:38:45,530 --> 00:38:50,430
+بالوعد غير ملزم قضائيا يا اخوة لكن هو حقيقة ملزم
+
+386
+00:38:50,430 --> 00:38:59,980
+أدبا وإيمانا فعلالكن ف .. لذلك يا أخوة قالوا بإن
+
+387
+00:38:59,980 --> 00:39:05,840
+هذا العقد يشبه عقد التأمين فيكون عقده التأمين
+
+388
+00:39:05,840 --> 00:39:13,260
+أخيرا القياس على عقود التأمينات والمعاشات القياس
+
+389
+00:39:13,260 --> 00:39:17,450
+على عقود التأمينات تعالوا أنتوا تعالوايعني
+
+390
+00:39:17,450 --> 00:39:21,090
+التأمينات و المعاشات انتوا متفجين على ايش؟ على
+
+391
+00:39:21,090 --> 00:39:27,070
+جوازها و احنا بصراحة مش شايفين اي اختلاف بين عقود
+
+392
+00:39:27,070 --> 00:39:31,990
+التأمين و المعاشات هدولة صحاب الرأي التاني و بين
+
+393
+00:39:31,990 --> 00:39:36,250
+عقود التأمين التجارة اقصد
+
+394
+00:39:36,250 --> 00:39:44,030
+تأخذ او تخصم من الموظف وتدفع الى الحكومة او لهيئة
+
+395
+00:39:44,030 --> 00:39:50,860
+التأمينات و المعاشاتالى حين و تظل عملية الدفع الى
+
+396
+00:39:50,860 --> 00:39:58,380
+حين التقاعد عنده يبدأ باخذ مرتب تقاعدى الى حين
+
+397
+00:39:58,380 --> 00:40:02,700
+وفاته او الى حين بلغ اولاده سن الثمانية عشر الى سن
+
+398
+00:40:02,700 --> 00:40:07,620
+محدده وبالتالي
+
+399
+00:40:07,620 --> 00:40:12,620
+فهناك قصد و هناك مبلغ تأمين يدفع و هناك جهالة بل
+
+400
+00:40:12,620 --> 00:40:17,380
+نستطيع نقول ان الجهالةفي التأمينات والمعاشرات قد
+
+401
+00:40:17,380 --> 00:40:24,920
+تكون أشد و أكبر كيف؟ لأن انظروا هناك من الموظفين
+
+402
+00:40:24,920 --> 00:40:32,640
+من يعيش وحيداأو مع زوجها و لا ينجبوا أولادا و
+
+403
+00:40:32,640 --> 00:40:36,880
+بيظلوا ياخدوا منه و بعدين بعد ما يصل ال 60 بتقعد
+
+404
+00:40:36,880 --> 00:40:40,640
+بياخد مرتب سنة و سنتين بفجأه و بموت و مارته بتلحجه
+
+405
+00:40:40,640 --> 00:40:47,700
+و بعدين و انت .. و بالتالي صار في ايه المقابل أقل
+
+406
+00:40:47,700 --> 00:40:54,180
+بكثير جدا من ال .. من ما دفعه على طوال 40 عاما من
+
+407
+00:40:54,180 --> 00:41:00,800
+أقصاد تؤخر .. شخص آخر .. شخص ..شخص آخر طبعا عاش
+
+408
+00:41:00,800 --> 00:41:04,460
+ستين سنة و بعد الستين عاش كمان تلاتين سنة فخلال
+
+409
+00:41:04,460 --> 00:41:08,420
+التلاتين سنة اتجوز كمان تنتين صار عنده طبور ولاد
+
+410
+00:41:08,420 --> 00:41:11,440
+فضلوا
+
+411
+00:41:11,440 --> 00:41:15,160
+على مدار اربعين سنة بعد التقاعد و هو ياخد مرتب هو
+
+412
+00:41:15,160 --> 00:41:22,480
+و ولاده فالحقيقة يعني في جهالة في .. في غرض مش هم
+
+413
+00:41:22,480 --> 00:41:25,780
+.. طبعا مردود عليه الكلام هذا احنا في .. في .. هذا
+
+414
+00:41:25,780 --> 00:41:26,460
+ما قالهم
+
+415
+00:41:31,610 --> 00:41:36,470
+فكيف تقولون بحل التأمينات والمعاشات والعناصر هي
+
+416
+00:41:36,470 --> 00:41:41,170
+العناصر والجهالة هي الجهالة بل أشد وتحرمون التأمين
+
+417
+00:41:41,170 --> 00:41:46,680
+التجاري؟إذا مجموع و لذلك هم يحشدون الأدلة والصور
+
+418
+00:41:46,680 --> 00:41:51,720
+لكي تدعموا بعضها بعضا وإن كان في كل واحدة في يعني
+
+419
+00:41:51,720 --> 00:41:58,000
+ضعف في القياس نكمل الرد و ننتهي ان شاء الله من
+
+420
+00:41:58,000 --> 00:42:00,520
+التأمين كله المرة القادمة و كل عام تنخد
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RfuqpJpr4uk_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RfuqpJpr4uk_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..29069478c93008584ac4ee5c5480981f1edce904
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RfuqpJpr4uk_postprocess.srt
@@ -0,0 +1,1548 @@
+1
+00:00:21,480 --> 00:00:30,360
+المضاربة المشتركة، يا عزيزي الأفخور الكرام، كانت
+
+2
+00:00:30,360 --> 00:00:35,880
+بداية هذه الإشارات مخودة من الإسم نفسه، من
+
+3
+00:00:35,880 --> 00:00:40,560
+المصطلح، حيث قلنا إن المضاربة المشتركة سمية بهذا
+
+4
+00:00:40,560 --> 00:00:45,480
+الإسم نظراً لتعدد وكثرة
+
+5
+00:00:51,050 --> 00:00:56,010
+المضاربة العادية التي لا يعدوا الشركات فيها عن
+
+6
+00:00:56,010 --> 00:01:03,330
+اثنين فقط ولذلك سميت بالمشاركة الفنانية لأن
+
+7
+00:01:03,330 --> 00:01:07,810
+الشركات لا يزيدون عن اثنين
+
+8
+00:01:11,430 --> 00:01:16,610
+المضاربة المشتركة التي استحدثتها البنوك الإسلامية
+
+9
+00:01:16,610 --> 00:01:21,490
+اليوم فهي مضاربة ثلاثية الأبعاد في صح التعبير أو
+
+10
+00:01:21,490 --> 00:01:27,700
+ثلاثية الأطراف يعني في ثلاث أطراف رئيسيةالطرفان
+
+11
+00:01:27,700 --> 00:01:35,740
+الرئيسان الممول و الصاحب الجود و الخبرة المصنع او
+
+12
+00:01:35,740 --> 00:01:40,520
+التاجر و الطرف الثالث هو الوسيط المتمثل في البنك
+
+13
+00:01:40,520 --> 00:01:47,180
+وكل طرف من هذه الأطراف يعني يمكن ان يتفرع عنه او
+
+14
+00:01:47,180 --> 00:01:54,340
+يمكن ان يكون متمثل في أفراد متعددين فالممولونمن
+
+15
+00:01:54,340 --> 00:02:00,000
+المودعين لأموالهم عشرات قد يكونوا وكل أموالهم
+
+16
+00:02:00,000 --> 00:02:04,540
+تستثمر بطريق المضاربة المشتركة والمستثمرين لهذه
+
+17
+00:02:04,540 --> 00:02:09,840
+الأموال من أصحاب الصناع والتجاري أيضا قد يكونوا
+
+18
+00:02:09,840 --> 00:02:15,550
+بالعشرات وكل هؤلاءيستثمرون جهودهم وخبراتهم في
+
+19
+00:02:15,550 --> 00:02:22,310
+استثمار هذه الأموال فأصبحت العملية أو هذه المعاملة
+
+20
+00:02:22,310 --> 00:02:27,570
+أو هذه المضاربة يشتركوا فيها العديد من الأطراف
+
+21
+00:02:27,570 --> 00:02:33,400
+العديد من الممولين العديد منأصحاب الجهد والخبرات
+
+22
+00:02:33,400 --> 00:02:39,260
+والصناع إضافة إلى البنك الذي ينسق العلاقة
+
+23
+00:02:39,260 --> 00:02:45,540
+والمعاملة وطريقة الاستثمار بين هذين الطرفين ولذلك
+
+24
+00:02:45,540 --> 00:02:52,620
+سميت المضاربة المشتركة ولعل التسمية موفقة
+
+25
+00:02:52,900 --> 00:03:01,000
+ومناسبة لذلك لهذه الطبيعة ولهذا المضمون من طبيعة
+
+26
+00:03:01,000 --> 00:03:08,520
+هذه المعاملة ومن هنا نبدأ نتصور أو تبدأ تتضح لنا
+
+27
+00:03:08,520 --> 00:03:14,560
+الصورة في مفهوم المضاربة المشتركة هي عبارة عن أن
+
+28
+00:03:14,560 --> 00:03:20,220
+يعرض البنك الإسلامي نفسهعلى أصحاب الأموال و رؤوس
+
+29
+00:03:20,220 --> 00:03:25,780
+الأموال و المداخلات يعرض نفسه عليهم ليش؟ على أن
+
+30
+00:03:25,780 --> 00:03:31,740
+يستثمر لهم أموالهم في التصنيع في التجارة في
+
+31
+00:03:31,740 --> 00:03:41,510
+التسويق إلى غير ذلكثم باعتباره مضارب، هنا يعني
+
+32
+00:03:41,510 --> 00:03:46,150
+يعرف نفسه، باعتباره عاملا، باعتباره تاجرا،
+
+33
+00:03:46,150 --> 00:03:51,510
+باعتباره صانعا، اللي هو المضارب، يجب أقول هذا اسم
+
+34
+00:03:51,510 --> 00:03:56,300
+مضارب أو عامليعرض نفسه على أصحاب الأموال باعتبار
+
+35
+00:03:56,300 --> 00:04:00,220
+يا من تريدون وكان بيه يريد القول يا من تريدون أن
+
+36
+00:04:00,220 --> 00:04:07,400
+تستثمروا أموالكم بضمان وثقة وربح وفير تعالوا فأنا
+
+37
+00:04:07,400 --> 00:04:14,860
+مستعد لاستثمار هذه الأموال حتى إذا جاءوا وأودعوا
+
+38
+00:04:14,860 --> 00:04:23,080
+أموالهم للاستثمار أدهر وجههالجهة الأخرى وهي
+
+39
+00:04:23,080 --> 00:04:29,180
+المتمثلة في أصحاب الصناعات والتجارات والجهود
+
+40
+00:04:29,180 --> 00:04:33,500
+والخبرات، يا أصحاب الخبرات، الآن أصبح صاحب رأسمان،
+
+41
+00:04:33,500 --> 00:04:37,760
+يا أصحاب الخبرات، يا من تريدوا إقامة المصانع، يا
+
+42
+00:04:37,760 --> 00:04:42,300
+من لكم خبرة في التجارة، أنا مستعد لتمويلكم
+
+43
+00:04:43,630 --> 00:04:49,850
+وما عليكم إلا أن تتجروا وما عليكم إلا أن تزرعوا
+
+44
+00:04:49,850 --> 00:04:57,730
+وتصنعوا وإلى غير ذا وتجتهدوا في التنمية
+
+45
+00:04:57,730 --> 00:05:06,650
+وفي الاقتصاد يفعل هذا لماذا طبعا هكذا فقط محسن لا
+
+46
+00:05:08,640 --> 00:05:13,800
+نعم يفعل هذا لكي يكون له أو مقابل أن يكون له نصيب
+
+47
+00:05:13,800 --> 00:05:20,680
+في الأرباح التي تتوفر نتيجة هذه التجارة أو هذه
+
+48
+00:05:20,680 --> 00:05:25,280
+الشركة أو هذه الصناعة أو إلى غير ذلك نصيب في الربح
+
+49
+00:05:25,280 --> 00:05:31,560
+يتقاسمه هو و هذه الأطرافأصحاب الاستثمار الذين
+
+50
+00:05:31,560 --> 00:05:38,200
+بدلوا جهودهم وخبراتهم وإداراتهم لهم نصيب وأصحاب
+
+51
+00:05:38,200 --> 00:05:44,640
+الأموال الذين بدلوا أموالهم لهم نصيب وهو الذي نسق
+
+52
+00:05:44,640 --> 00:05:49,960
+وأدار العملية له نصيب هذه ببساطة شديدة يا أخوة
+
+53
+00:05:49,960 --> 00:05:56,690
+طبيعةالمضاربة المشتركة يظهر لنا ببساطة أو ب .. ب
+
+54
+00:05:56,690 --> 00:06:02,770
+.. ب .. بسرعة كما قال أخونا أن البنك في هذه
+
+55
+00:06:02,770 --> 00:06:09,310
+المعاملة يتعامل بشخصيتين يتعامل بوجهين مرة يتعامل
+
+56
+00:06:09,310 --> 00:06:17,300
+باعتباره مضاربيعني عامل يعني الذي يقدم جهده دون أن
+
+57
+00:06:17,300 --> 00:06:22,480
+يشارك بالمال وهذا عندما يتوجه إلى أصحاب الأموال
+
+58
+00:06:22,480 --> 00:06:28,600
+ومرة أخرى يتعامل بوجه صاحب رأس المال بشخصية صاحب
+
+59
+00:06:28,600 --> 00:06:33,300
+المال الذي يريد أن يستثمر ماله البنك يا إخوة لابد
+
+60
+00:06:33,300 --> 00:06:38,740
+يبذل جهد ولا بد يصنع ولا بد يعني يشارك بماله الخاص
+
+61
+00:06:39,770 --> 00:06:46,430
+البنك بده يشغل أموال أصحاب المداخلات عند أصحاب
+
+62
+00:06:46,430 --> 00:06:55,050
+الجهود و الخبرات وفق بينهم هل المضارب يضارب لإكبار
+
+63
+00:06:55,050 --> 00:06:59,870
+أن موضوع المضاربة كان يتضمن آخر جامعة الأول مالي
+
+64
+00:06:59,870 --> 00:07:05,430
+لعامله والثاني عامله ماله دلوقت دلوقت هذا البيانات
+
+65
+00:07:05,430 --> 00:07:07,030
+تصيبوها مانوش معاك
+
+66
+00:07:16,180 --> 00:07:23,720
+كل هذه إشكاليات سيأتي عليها الحل وينبني عليها
+
+67
+00:07:23,720 --> 00:07:29,230
+الحكملأنه بالفعل يا إخوة هذه الطريقة سيتولد عنها
+
+68
+00:07:29,230 --> 00:07:35,410
+إشكالات و أيضا هناك إشكالات أخرى سنتعرض لها أيضا
+
+69
+00:07:35,410 --> 00:07:41,610
+في إشكالات كثيرة سنتعرض لها ثم نرى كيف حلها و وجد
+
+70
+00:07:41,610 --> 00:07:47,050
+تخريجا لها الفقهاء أو اللجان الفتوى في المحافظة
+
+71
+00:07:48,940 --> 00:07:53,280
+أيوة أحسنت هذا بالتأكيد سنشيره إليه
+
+72
+00:07:56,350 --> 00:07:59,190
+لكن احنا بس لأن نعطي صورة .. احنا لازمنا في
+
+73
+00:07:59,190 --> 00:08:03,930
+البداية نعطي تعريفا .. نعطي تعريفا وتصويرا مبدئيا،
+
+74
+00:08:03,930 --> 00:08:09,210
+اذا هي .. هذه هي حقيقة المضاربة او دعونا نقول هي
+
+75
+00:08:09,210 --> 00:08:16,130
+عبارة عن عقد ثلاثي يتم على مرحلتين عقد ثلاثي بين
+
+76
+00:08:16,130 --> 00:08:21,960
+البنك وصاحب الخبرة وصاحب المال عقد ثلاثييتم على
+
+77
+00:08:21,960 --> 00:08:25,820
+مرحلتين، المرحلة الأولى تتم بين البنك باعتباره
+
+78
+00:08:25,820 --> 00:08:31,340
+مضارب وبين أصحاب الأموال، والمرحلة التانية تتم بين
+
+79
+00:08:31,340 --> 00:08:36,460
+البنك وبين أصحاب الجهد والإدارة والتجارة والخبرة
+
+80
+00:08:36,980 --> 00:08:43,280
+هذه هي المرحلة الثانية على وبموجب هتين المرحلتين
+
+81
+00:08:43,280 --> 00:08:47,940
+أو على أثر هتين المرحلتين يتم تقسيم الأرباح
+
+82
+00:08:47,940 --> 00:08:56,460
+ويصبحوا للوسيط جزء من الربح كالعادة
+
+83
+00:08:56,460 --> 00:09:03,350
+نمتقل إلى بيان الخطوات قبل بيان الفروق أيضاالخطوات
+
+84
+00:09:03,350 --> 00:09:07,190
+التي تتم تتميما للتعريف أنا أرى أن الخطوات هي
+
+85
+00:09:07,190 --> 00:09:12,810
+تتميم للتعريف وتزيد التعريف وضوحا وتزيد المعاملة
+
+86
+00:09:12,810 --> 00:09:17,550
+تجريا ما هي الخطوات التي تتم بها وإن كانت قد بدت
+
+87
+00:09:17,550 --> 00:09:25,170
+تلوح من التعريف نفسه بعض الخطوات يمكن يا إخوة في
+
+88
+00:09:25,170 --> 00:09:32,160
+كل المعاملات القديمةأسف في كل المعاملات يعني التي
+
+89
+00:09:32,160 --> 00:09:37,820
+تتعامل بها البنوك والتي تحدثنا منها بدلا من
+
+90
+00:09:37,820 --> 00:09:41,400
+المرابحة والإيجار المنتهي بالتمليك والمشاركة
+
+91
+00:09:41,400 --> 00:09:48,700
+المنتهية بالتمليك كانت الخطوة الأولى من .. من مين؟
+
+92
+00:09:48,700 --> 00:09:55,340
+من الزبون يتقدم إلى البنك بطلب
+
+93
+00:09:56,870 --> 00:10:00,270
+للمشاركة المنتهية بالتمليك، للإيجارة المنتهية
+
+94
+00:10:00,270 --> 00:10:04,070
+بالتمليك، للمرابحة، ليس كذلك؟ هذه المرابحة، لكن
+
+95
+00:10:04,070 --> 00:10:10,050
+المرة الخطوة الأولى الحقيقية من البنك، وانتم
+
+96
+00:10:10,050 --> 00:10:16,010
+لاحظتم هذا بالتعريف، البنك هو الذي يتوجه إلى أصحاب
+
+97
+00:10:16,010 --> 00:10:21,240
+الأموال، أصحاب رؤوس الأموال، يستحثهم، يستفزهم،أنا
+
+98
+00:10:21,240 --> 00:10:26,060
+مستعد أستثمركوا أموالكوا بعيدا عن الربا، بعيدا عن
+
+99
+00:10:26,060 --> 00:10:31,220
+الحرام، بثقة، بربح وفير، هكذا كأن بيه يريدوا أن
+
+100
+00:10:31,220 --> 00:10:35,660
+يقول يا من تستثمرون أموالكم في البلوك الربوي
+
+101
+00:10:35,660 --> 00:10:40,060
+أخرجوها واتوها ليه تستثمروها بالحلال؟ يا من
+
+102
+00:10:40,060 --> 00:10:45,120
+تستثمروها حتى في مشاريع غير حرام وبنسبة بسيطة
+
+103
+00:10:45,120 --> 00:10:50,500
+تعالوا لتصبحوا شركاء، انقدروا مشاركةشركاء في الربح
+
+104
+00:10:50,500 --> 00:10:54,340
+مهما كان الربح أنتم شركاء فيه، لو كان الربح خمسين
+
+105
+00:10:54,340 --> 00:10:57,520
+في المية، يمكن يقع الواحد عشرين في المية، بدل ما
+
+106
+00:10:57,520 --> 00:11:00,780
+إيش نسبة يعني عشرين وعشرين وعشرة، أو خمستاش
+
+107
+00:11:00,780 --> 00:11:03,460
+وخمستاش، بدل ما ياخد في السنة خمسة في المية وسبعة
+
+108
+00:11:03,460 --> 00:11:08,700
+في المية وتلاتة في المية، لأفإذا المرحلة الأولى
+
+109
+00:11:08,700 --> 00:11:18,440
+تبدأ من البنك بعرض نفسه كمضارب ليستثمر أموال أصحاب
+
+110
+00:11:18,440 --> 00:11:27,200
+الرؤوس الأموال والمدخراتإذا دفعوا اقتنعوا ودفعوا
+
+111
+00:11:27,200 --> 00:11:32,720
+واستجابوا إلى هذا العرض كانت الخطوة الثانية الخطوة
+
+112
+00:11:32,720 --> 00:11:37,120
+الثانية الآن أخد الأموال الخطوة التانية طبعا على
+
+113
+00:11:37,120 --> 00:11:43,140
+طول ومباشرة لأن المال كل يوم إذا ما استثمرش مخسر
+
+114
+00:11:43,140 --> 00:11:52,250
+في حسابات أهل التجارة على الأقل على طوليستدير إلى
+
+115
+00:11:52,250 --> 00:11:58,110
+أصحاب، يا أصحاب يا من تريدون إقامة المشاريع وليس
+
+116
+00:11:58,110 --> 00:12:01,870
+لديكم تمويل، اللي عنده أفكار، اللي عنده خبرات،
+
+117
+00:12:01,870 --> 00:12:05,910
+اللي عنده مهارات، اللي عنده قدرات، ماعندهش أموال
+
+118
+00:12:05,910 --> 00:12:11,870
+أو عنده أموال لاتكفي، أنا مستعد أمول، هنا أيها
+
+119
+00:12:11,870 --> 00:12:18,930
+الأخوة ليس كل من يعرفنفسه من أصحاب الاستثمار ليقدم
+
+120
+00:12:18,930 --> 00:12:23,430
+مشروع نقبل بالتأكيد هذا بيقدم بدنا نعمل انا بدي
+
+121
+00:12:23,430 --> 00:12:28,030
+اعمل مزرعة دواجن هذا بده يعمل مصنع نايلون هذا بده
+
+122
+00:12:28,030 --> 00:12:34,170
+يعمل بركة سمك هذا بده يعني مشاريع كثيرة تتقدم
+
+123
+00:12:34,170 --> 00:12:40,450
+البنك يقوم بدراسة هذه المشاريعمباشرة والمشاريع
+
+124
+00:12:40,450 --> 00:12:45,810
+اللي بنجيها مناسبة وتنتج بالاضافة إلى من هو
+
+125
+00:12:45,810 --> 00:12:52,850
+المتقدم مضمون امين يعني كل هذه اذا بعد ان يختار من
+
+126
+00:12:52,850 --> 00:12:57,630
+مجموع من تقدم اليه بعد ان عرض نفسه عليهم يختار ثم
+
+127
+00:12:57,630 --> 00:13:03,150
+يعقد اتفاقات معهم الآن يعقد اتفاقات مضاربة هو هناك
+
+128
+00:13:03,150 --> 00:13:08,390
+اي من المضاربةمع أصحاب الأموال، والآن بيعمل مضاربة
+
+129
+00:13:08,390 --> 00:13:14,770
+مع أصحاب الجهود والخبرات، لاحظوا مضاربة ومضاربة،
+
+130
+00:13:14,770 --> 00:13:22,830
+هنا مرة بيعمل حاله مضارب، والان مرة ثانية صار صاحب
+
+131
+00:13:22,830 --> 00:13:36,220
+مالالخطوة الثالثة أن يتم التعاقد على المشاريع التي
+
+132
+00:13:36,220 --> 00:13:44,640
+تم عرضها، بعد ذلك الآن تم التعاقد، الخطوة اللي
+
+133
+00:13:44,640 --> 00:13:50,730
+بعدها بتيجي إيش؟ ده في الأموال لهمدافع الأموال
+
+134
+00:13:50,730 --> 00:13:54,830
+لهم؟ من وين الأموال؟ من الأموال اللي جابها طيب
+
+135
+00:13:54,830 --> 00:13:59,070
+الآن الأموال اللي أخدها من أصحاب رؤوس الأموال طيب
+
+136
+00:13:59,070 --> 00:14:02,610
+هل يُعطي ..الآن هو استثمار خليني أقول أو تعاقد مع
+
+137
+00:14:02,610 --> 00:14:07,990
+خمسة أو ستة أو سبعة من أصحاب المشاريع هل أنا و فيه
+
+138
+00:14:07,990 --> 00:14:12,530
+عندي خمسة أو ستة أو سبعة مثلا في المقابل من أصحاب
+
+139
+00:14:12,530 --> 00:14:14,810
+الأموال اللي أعطوني هذا أعطاني عشر تلافة، هذا
+
+140
+00:14:14,810 --> 00:14:20,900
+أعطاني خمستاشر ألف، هل أنا بعطي الفلوس محمدبخصصها
+
+141
+00:14:20,900 --> 00:14:26,440
+في مشروع مزرعة الدواجن وفلوس أحمد في مشروع مصنع
+
+142
+00:14:26,440 --> 00:14:35,740
+النيلون وفلوس فاتحي في مشروع يعني مثلا مبنى سكني
+
+143
+00:14:35,740 --> 00:14:43,360
+ولا الأمر قائم على خلط الأموال الأمر قائم على خلط
+
+144
+00:14:43,360 --> 00:14:49,500
+الأموال وهذه مشكلته الأخرى سنجدهاالآن هو صار خلط
+
+145
+00:14:49,500 --> 00:14:54,580
+الأموال اللي أخدها هو بس معروف، فدولة محمد له عشرة
+
+146
+00:14:54,580 --> 00:15:00,410
+وحمدان له عشرين معروفة عندهلكن هو الآن ايش بلزمك
+
+147
+00:15:00,410 --> 00:15:06,670
+يا صاحب المشروع؟ اتفضل من الكم بعد ان خلط الأموال
+
+148
+00:15:06,670 --> 00:15:13,450
+ايش بلزمك؟ اتفضل ايش بلزمك؟ اتفضل دون ان يميز ان
+
+149
+00:15:13,450 --> 00:15:17,830
+كان هذا المال اللذي استثمر في هذا المشروع لفلان او
+
+150
+00:15:17,830 --> 00:15:21,870
+لعلان او في المشروع اللذي يليه الامر كل المشاريع
+
+151
+00:15:21,870 --> 00:15:27,790
+هذه اللي اشترك فيها كأنها بالنسبة اليه مشروع واحدو
+
+152
+00:15:27,790 --> 00:15:33,830
+هذه الأموال التي جمعها و خلطها كأنها مال واحد
+
+153
+00:15:33,830 --> 00:15:41,770
+كأنها مال واحد والإشكالي الأكبر انه الأمر ما بتوقف
+
+154
+00:15:41,770 --> 00:15:45,370
+and هيك طب احنا هدول اللي دفعوا الأموال يا اخوة لم
+
+155
+00:15:45,370 --> 00:15:52,150
+يدفعوها دفعة واحدة في أول السنة في كمان شهرين في
+
+156
+00:15:52,150 --> 00:15:54,270
+كمان خمستاشر في كمان تسعتاشر
+
+157
+00:15:56,690 --> 00:16:06,450
+ومع ذلك الخلط خلط فقط بس بنعرف وقت إيش دفع المدة
+
+158
+00:16:06,450 --> 00:16:15,150
+اللي جبتهم المصريين وكم دفع المدة يعني كأنه سنفهم
+
+159
+00:16:15,150 --> 00:16:22,110
+شيئا بعد ذلك كأن الربح الذي سياخذه أصحاب الأموال
+
+160
+00:16:23,850 --> 00:16:30,210
+مياره الكم .. كم رأس المال أو قدر رأس المال إضافة
+
+161
+00:16:30,210 --> 00:16:37,310
+إلى المدة التي قضاها في الاستثمار، سنة، ست شهور،
+
+162
+00:16:37,310 --> 00:16:39,330
+سنتين، أكثر، أقل
+
+163
+00:16:42,040 --> 00:16:46,240
+طبعا هنا في إشكالات سنعرضها لكن على كل الأحوال حتى
+
+164
+00:16:46,240 --> 00:16:52,240
+بعض الموجود أولا بعد عملية
+
+165
+00:16:52,240 --> 00:16:59,740
+الخلط و بدء المشاريعتتم تبدأ يعني عملية الناتج
+
+166
+00:16:59,740 --> 00:17:04,500
+والارضة ولا لأ بدأ اشتغل بغض النظر هذا صح ولا غلط
+
+167
+00:17:04,500 --> 00:17:09,080
+المهم بدأ المصانع يشتغلوا والمزارع وصار بيئة وصار
+
+168
+00:17:09,080 --> 00:17:15,770
+في حسابات وصار في ربح يتم تقسيم الربحلكن طبعا
+
+169
+00:17:15,770 --> 00:17:19,170
+تقسيم الربح يا اخوة عادة ما يتم في نهاية كل عام
+
+170
+00:17:19,170 --> 00:17:23,250
+وهذا بيكون اتفاق النهاية العام السنوية يعني كل سنة
+
+171
+00:17:23,250 --> 00:17:27,210
+مالية لأنه مش بعد كل أسبوع ولا أسبوعين ولا شهر انا
+
+172
+00:17:27,210 --> 00:17:32,350
+بدي أعملك حسبة طيب ومع ذلك هناك مشكلة ايضا مشكلة
+
+173
+00:17:32,350 --> 00:17:36,010
+مهمة جدا طيب في نهاية السنة انا حاطيت الموالي
+
+174
+00:17:36,010 --> 00:17:39,470
+العشر تلاف بدي استثمرها عندك مضاربة مشتركة لمدت
+
+175
+00:17:39,470 --> 00:17:45,610
+عام وانت قبلت بذلك بعام طيبأو حتى نهاية العام،
+
+176
+00:17:45,610 --> 00:17:49,150
+ممكن تسجلون ستة أشهر، حتى نهاية العام، حتى نهاية
+
+177
+00:17:49,150 --> 00:17:51,370
+السنة المالية، عند جرد الحساب
+
+178
+00:17:55,930 --> 00:18:00,370
+المصانع والشركات اللى انت تعاملت معاها والمشاريع
+
+179
+00:18:00,370 --> 00:18:06,650
+صحيح يعنى فى إيش باعت وإيش ربحت فى سيولة وفى لسه
+
+180
+00:18:06,650 --> 00:18:14,930
+يعنى مشاريع لسه لازالت يعنى فى طور الإنتاج أو
+
+181
+00:18:14,930 --> 00:18:25,290
+أنتجت ولم تبيع منتجهالسه .. لسه علب الصبون او
+
+182
+00:18:25,290 --> 00:18:30,750
+الناتج او علب الصلصة او الى موجودة مانباعتش، بضاعة
+
+183
+00:18:32,210 --> 00:18:37,270
+موجودة لسه مانبعتش كل مصنع كل مانجر فترات اما
+
+184
+00:18:37,270 --> 00:18:41,590
+لكساد او لسه في فترة تغليف او كذا او او الى غير
+
+185
+00:18:41,590 --> 00:18:46,170
+ذلك و احنا عاجزة السنة المالية و الناس بدها .. في
+
+186
+00:18:46,170 --> 00:18:49,770
+ناس بدها .. في ناس طبعا الصورة هنا في ناس بدها
+
+187
+00:18:49,770 --> 00:18:54,670
+تسترد اموالها بالاضافة للارباح في ناس بدها تمدد
+
+188
+00:18:54,670 --> 00:19:01,460
+لكن حتى اللي بده يمدد بده يعرف جديش ربحمع انه في
+
+189
+00:19:01,460 --> 00:19:06,000
+مابقدرش انا حقيقة لو بدي انا اقدر الربح تقديرا
+
+190
+00:19:06,000 --> 00:19:12,560
+حقيقيا لأ استطيع لأنه في .. وفي انا يعني زي ما
+
+191
+00:19:12,560 --> 00:19:15,900
+قلتلكوا المصانع بعضها لسه السيولة ماصارتش وفي
+
+192
+00:19:15,900 --> 00:19:19,720
+بعضها سيولة وفيه ممكن مشاريع انا لسه بلشت فيها
+
+193
+00:19:19,720 --> 00:19:25,080
+جديد كمان يعني زي ما انه ال .. الفلوس اللي بتجيني
+
+194
+00:19:25,080 --> 00:19:32,680
+بتيجي متلاحقة فكذلك المشاريعممكن ان تقام متلاحقة
+
+195
+00:19:32,680 --> 00:19:38,780
+يعني مش مضروب ان كل المشاريع في يوم واحد طب انا
+
+196
+00:19:38,780 --> 00:19:43,060
+اليوم عندي جمعت خمسين الف تقيم فيها مشروع ولا
+
+197
+00:19:43,060 --> 00:19:46,900
+مشروعين بعد شهرين جمعت كمان وكله في الاخر الناتج
+
+198
+00:19:46,900 --> 00:19:50,200
+واحد او يخلط معاهم ويتم تقسيمهم وفق المعايير اللي
+
+199
+00:19:50,200 --> 00:20:01,420
+ذكرتالان يا اخوة كما قلت في بضائع موجودة وفي خامات
+
+200
+00:20:01,420 --> 00:20:07,140
+وفي كذا اموال ليست سائلة ولا استطيع ان اوزع ربحها
+
+201
+00:20:07,140 --> 00:20:11,700
+وهدول بدهم ارباحهم ومع ذلك انا مضطر ومجبر ان افعل
+
+202
+00:20:11,700 --> 00:20:18,820
+ذلك فكيف تتم عملية تقسيم الارباح؟تتم عملية احتساب
+
+203
+00:20:18,820 --> 00:20:25,620
+وتقسيم الأرباح بناء على ما يُعرف بالتنظيذ التقديري
+
+204
+00:20:25,620 --> 00:20:31,460
+بالتنظيذ التقديري التنظيذ يا إخوة معناه تحويل
+
+205
+00:20:31,460 --> 00:20:36,920
+البضاعة أو المتاع إلى مال العين يعني نقد العين
+
+206
+00:20:36,920 --> 00:20:41,200
+يعني نقد مش العين يعني .. العين لأن الذهب و الفضل
+
+207
+00:20:41,200 --> 00:20:48,060
+يطلق عليه عينأه، العروض التجارة هذه تحول إلى
+
+208
+00:20:48,060 --> 00:20:54,560
+أموال، إلى نقود، هذه تسمى طيب، تسمى تنظيف، هذا
+
+209
+00:20:54,560 --> 00:20:59,260
+تنظيف، طب أنا التحويل مش متوفر إليه، التنظيف مش
+
+210
+00:20:59,260 --> 00:21:05,760
+متوفر إليه، التنظيف بتتم عن طريق البيع،
+
+211
+00:21:05,760 --> 00:21:12,390
+بتصير عملية تنظيف تقديريكيف يعني؟ يعني تقدير،
+
+212
+00:21:12,390 --> 00:21:15,810
+الأقيا موجودة، الأقطاع اللي عندك هذه موجودة، أنا
+
+213
+00:21:15,810 --> 00:21:20,150
+مش هبيعها لأنه أياماتها أخصر، الآن في كسات أو لسه
+
+214
+00:21:20,150 --> 00:21:24,410
+مش جاهزة، لكن مصاري هذه، والناس بيبقى أرباحها،
+
+215
+00:21:24,410 --> 00:21:27,930
+بعمل جرد، حساب لكل الموجود، واحد عنده مصنع، واحد
+
+216
+00:21:27,930 --> 00:21:31,510
+عنده منجرة، هد قداش تقليف وقداش في مواد خام، قداش
+
+217
+00:21:31,510 --> 00:21:34,250
+في منتج، قداش مبيوعة ومش مبيوعة وكذا، بالاضافة
+
+218
+00:21:34,250 --> 00:21:39,070
+للسيولي، ده عندهم السيولي، كله بتجمعوبتقدر ..
+
+219
+00:21:39,070 --> 00:21:42,190
+بتقدر فلوس .. المصنع هذا .. مش احنا بتجاه ..
+
+220
+00:21:42,190 --> 00:21:45,290
+المصنع هذا اللي بنقول باسمه مليون دولار يعني ..
+
+221
+00:21:45,290 --> 00:21:49,870
+هذا .. لكن هو على الأرض يعني عبارة عن آلات ومباني
+
+222
+00:21:49,870 --> 00:21:54,350
+وخامات وغير ذلك .. هذا اسمه تقدير .. تنظيف تقديري
+
+223
+00:21:54,910 --> 00:22:02,990
+تنضيق تقدير تحويل البضاعة او الجماد او العروض الى
+
+224
+00:22:02,990 --> 00:22:09,350
+نقود حكما تقديرا يعني حكما و ليس حقيقة انا لما
+
+225
+00:22:09,350 --> 00:22:14,420
+حورتها حقيقة مافيش اسهل منها عملية التوزيعلكن الآن
+
+226
+00:22:14,420 --> 00:22:19,040
+تقديرا بقدر وطبعا التقدير يا اخوة هنا يخضع لمعايير
+
+227
+00:22:19,040 --> 00:22:23,760
+يعني مش بالضرورة ان التقدير يكون بالثمن الحقيقي
+
+228
+00:22:23,760 --> 00:22:28,500
+لان التقدير الان لا ادري ان قدرت اليوم بثمن السوق
+
+229
+00:22:28,500 --> 00:22:36,320
+بكرا السوق يتغيرو لذلك التقديرات بتكون شوية أقل من
+
+230
+00:22:36,320 --> 00:22:41,340
+القيمة الحقيقية يعني البضاعة الموجودة مثلا المنتج
+
+231
+00:22:41,340 --> 00:22:45,840
+الموجود ممكن يسوى ألف دينار انا ممكن اقدره بسبعمية
+
+232
+00:22:45,840 --> 00:22:51,960
+الاحتمالات ايش تقلبات الأسعار وفي أشياء مابتنباعش
+
+233
+00:22:51,960 --> 00:22:57,280
+أشياء ممكن تنجلب أشياء أشياء هكذا هي التقديرات
+
+234
+00:22:57,280 --> 00:23:03,850
+المهم إذا تمت التقديراتبصير بعرف انه انا صار عندي
+
+235
+00:23:03,850 --> 00:23:10,830
+رأس المال زاد ولا مازادش فيه أرباح بصير الأرباح
+
+236
+00:23:10,830 --> 00:23:16,430
+اللي بتزيد عن رأس المال اللي كان موجود هنا تخصم كل
+
+237
+00:23:16,430 --> 00:23:21,390
+ورقي اذا ان انا بعد التقدير اه والله انا مجموعة
+
+238
+00:23:21,390 --> 00:23:24,610
+المدخرات اللي انا أخدتها لأستثمرها بلقت خمسمائة
+
+239
+00:23:24,610 --> 00:23:27,870
+الف دولار اليوم التقديرات تشير إلى ان في عندي
+
+240
+00:23:27,870 --> 00:23:33,200
+ستمائة الف دولارمعناته فيه 100 ألف يلّا نوزّعها
+
+241
+00:23:33,200 --> 00:23:38,780
+إلك نصيب وإلك نصيب وطبعا كل واحد بحسب المدة هنا
+
+242
+00:23:38,780 --> 00:23:44,720
+بعد ذلك تراعى المدة وتراعى القدر ويراعى القدر الذي
+
+243
+00:23:44,720 --> 00:23:52,450
+تم الاستثمار به إذا الخطوة الأخيرة بعدعملية
+
+244
+00:23:52,450 --> 00:23:58,430
+التنظيف هي توزيع الأموال هذه الخطوات التي تتم بها
+
+245
+00:23:58,430 --> 00:24:05,650
+عملية المضاربة المشتركة وبالفعل يلاحظ ان المضاربة
+
+246
+00:24:05,650 --> 00:24:15,490
+المشتركة في عليها علامات استفهام كثير بدء من وجود
+
+247
+00:24:15,490 --> 00:24:19,810
+طرف ثالثفي العادة احنا عندنا في المضاربة اللي
+
+248
+00:24:19,810 --> 00:24:23,110
+بنعرفها قرفين وجه دولة فيها أسهل منها انتوا
+
+249
+00:24:23,110 --> 00:24:28,990
+عجبتواها يا تعين البنوك واحدة انا ماعيش مصاري وانت
+
+250
+00:24:28,990 --> 00:24:33,530
+معاك مصاري خدها عشر تلاف وتجر واتوكل على الله خلصت
+
+251
+00:24:33,530 --> 00:24:36,610
+التجرة طلع هنا خمس تلاف غسلناها والسلام على التابع
+
+252
+00:24:36,610 --> 00:24:40,550
+الهدى انت
+
+253
+00:24:40,550 --> 00:24:47,460
+الآن خششنا في متهاد عشان خاطر ايش؟عشان خاطر يعني
+
+254
+00:24:47,460 --> 00:24:51,340
+تستثمر الأموال ومش عارفين الأحكاية يعني فيها شبهة
+
+255
+00:24:51,340 --> 00:25:00,600
+فيها حلال حرام طيب كما قلت يعني العناصر الجديدة أو
+
+256
+00:25:00,600 --> 00:25:06,520
+الإشكالات الجديدة بدء من أنصر جديد مسألة خلط
+
+257
+00:25:06,520 --> 00:25:13,600
+الأموال المتلاحق هذا اللي احنا خلط الأموال وخلط
+
+258
+00:25:13,600 --> 00:25:20,540
+ماتج المشاريعكله حافظة واحدة والأموال كذلك حافظة
+
+259
+00:25:20,540 --> 00:25:24,960
+واحدة أكتر
+
+260
+00:25:24,960 --> 00:25:25,580
+من ذلك
+
+261
+00:25:28,620 --> 00:25:34,820
+البنك يا اخوة لما انعرض فاكرين هذا ماقلنهاش يعني
+
+262
+00:25:34,820 --> 00:25:39,000
+هناك لكن هنا ربما يجدروا القول بها لما انعرض على
+
+263
+00:25:39,000 --> 00:25:43,160
+أصحاب الأموال كان من ضمن تعالوا أنا مستعد أستثمر
+
+264
+00:25:43,160 --> 00:25:46,840
+إلكوا و قولتلكوا ابعدوا عن الحرام كان بيقولهم و
+
+265
+00:25:46,840 --> 00:25:52,680
+بيقولهم أموال وفيرة أو أرباح وفيرة وثقة و أمان و
+
+266
+00:25:52,680 --> 00:25:54,260
+كمان شغل بيقولهم إياها
+
+267
+00:25:57,160 --> 00:26:04,800
+وهي ضمان رأس المال او
+
+268
+00:26:04,800 --> 00:26:13,080
+يتم الاتفاق عليه ضمان رأس المال يعني ضرب يعني اقول
+
+269
+00:26:13,080 --> 00:26:18,920
+انه ضرب المضاربة في مقتل لان المضاربة العادية
+
+270
+00:26:18,920 --> 00:26:22,120
+قائمة على اساس
+
+271
+00:26:25,300 --> 00:26:31,240
+ماشي يده يده أن لا ضمان قائمة على أساس أن لا ضمان
+
+272
+00:26:31,240 --> 00:26:38,970
+ربحه أو خسارة إذا ربحبجسمه with a fee يعني خسارة
+
+273
+00:26:38,970 --> 00:26:44,150
+على رب المال حتى الخسارة في المضاربة العادية مش ..
+
+274
+00:26:44,150 --> 00:26:47,590
+إيش قلنا المرة اللي فاتت؟ مش على رأس المال؟ طب أنا
+
+275
+00:26:47,590 --> 00:26:54,650
+الآن يا صاحب رأس المال المضارب بقوللي انت ماتخسرش
+
+276
+00:26:54,650 --> 00:27:02,650
+خلاص انا بقى انت ماعليكاش خسارة مافيش خسارةوالأصل
+
+277
+00:27:02,650 --> 00:27:08,830
+في المضاربة أن الخسارة عليا أنا جلبت الميار هل هذا
+
+278
+00:27:08,830 --> 00:27:17,030
+سيقلب الحكم؟ يعني ببساطة الضمان في المضاربة
+
+279
+00:27:17,030 --> 00:27:24,370
+العادية بالمناسبة لو حدث يفسدها وهنا
+
+280
+00:27:24,370 --> 00:27:28,930
+في المضاربة المشتركة المضاربة القائمة عليه
+
+281
+00:27:32,030 --> 00:27:36,750
+طيب إذا أصبحت نقاط عدة خلّينا من خلالها نحاول
+
+282
+00:27:36,750 --> 00:27:44,570
+نتعرف على أهم الفروق وبرضه الفروق أو الوجوه
+
+283
+00:27:44,570 --> 00:27:51,670
+المقارنة هي من باب تجلية وتوضيح الصورة أكتر وأكتر
+
+284
+00:27:51,670 --> 00:27:57,130
+إلى ما قبل البدء في الحديث عن الحكميمكن احنا من
+
+285
+00:27:57,130 --> 00:28:00,870
+خلال الخطوات و بعض العناصر اللي أشارنا اليها
+
+286
+00:28:00,870 --> 00:28:06,630
+الجديدة على أثر الخطوات بدأت تلوح ملامح الوجوه
+
+287
+00:28:06,630 --> 00:28:11,570
+المقارنة و احنا لما نقول مقارنة يعني وجوه اتفاق و
+
+288
+00:28:11,570 --> 00:28:18,150
+وجوه اختلاف احنا حقيقة يمكن أمامنا في وجوه اتفاق
+
+289
+00:28:18,150 --> 00:28:23,230
+او وجوه اختلاف فقط او لكن حقيقة يا اخوة انا ادعي
+
+290
+00:28:23,230 --> 00:28:29,110
+ان نتمة وجوه اتفاقوجوه اتفاق في وجوه اختلاف لا شك
+
+291
+00:28:29,110 --> 00:28:36,090
+سنذكرها لكن قبل وجوه الافتراق احنا اللي بيهمنا
+
+292
+00:28:36,090 --> 00:28:39,810
+اكتر حقيقة وجوه الاختلاف لان وجوه الاختلاف هي اللي
+
+293
+00:28:39,810 --> 00:28:46,050
+هيكون لها اثر على الحكم اما وجوه الاتفاق يعني فهذه
+
+294
+00:28:46,050 --> 00:28:49,850
+تساعدوا على تأكيد المشروعية
+
+295
+00:30:33,620 --> 00:30:39,160
+الله يصلي على سيدنا محمد طيب
+
+296
+00:30:39,160 --> 00:30:46,440
+انا قبل ان اشير الى وجوه الاختلاف من يتلمس لي بعض
+
+297
+00:30:46,440 --> 00:30:49,440
+وجوه الاتفاق فضل
+
+298
+00:31:13,300 --> 00:31:19,940
+رأس المال و الأطراف يعني الأساسية أصحاب رأس المال
+
+299
+00:31:22,000 --> 00:31:25,420
+نعم .. اه .. لأ احنا خلينا في الجوانب ال .. ال ..
+
+300
+00:31:25,420 --> 00:31:29,300
+ال .. يتفق .. تتفق المضاربة العادية و المضاربة
+
+301
+00:31:29,300 --> 00:31:34,060
+العادية في أن .. في وجود .. في أن .. في .. أن
+
+302
+00:31:34,060 --> 00:31:41,880
+العملية تتم باشتراك رأس المال و الجهد، ماشي الحال،
+
+303
+00:31:41,880 --> 00:31:45,100
+طبعا في طرف وسيط، لكن هناك مش طرف وسيط، ماشي
+
+304
+00:31:45,100 --> 00:31:47,620
+الحال، نعم
+
+305
+00:31:51,510 --> 00:31:55,510
+لأ، مافيش خلط، في المضاربة العادية مافيش خلط، ليه؟
+
+306
+00:31:55,510 --> 00:31:59,650
+لإن هو .. إيش تخلط؟ تخلط مال الفرد بنفسه، مافي
+
+307
+00:31:59,650 --> 00:32:04,570
+خلط، الخلط المقصود بيه مال الفرد بفرد آخر، مافي
+
+308
+00:32:04,570 --> 00:32:07,350
+خلط، لإن هو كله واحد، نعم
+
+309
+00:32:12,970 --> 00:32:17,470
+لأ احنا خشينا بالاختلاف اللي بنقول هل لازال هناك
+
+310
+00:32:17,470 --> 00:32:24,210
+وجود اتفاق نعم جيد
+
+311
+00:32:24,210 --> 00:32:29,650
+جيد حقيقة احنا ذكرنا المرة اللي فاتت من شروطرأس
+
+312
+00:32:29,650 --> 00:32:35,050
+المال في المضاربة أن يكون المال نقدا وليس عروضا
+
+313
+00:32:35,050 --> 00:32:40,930
+ولا بضاعة وكذلك هنا البنك لا يقبل إلا يعني في
+
+314
+00:32:40,930 --> 00:32:43,090
+المضاربة المشتركة قد يعتبر نعم
+
+315
+00:32:49,280 --> 00:32:53,940
+المضارب هو لأ
+
+316
+00:32:53,940 --> 00:32:58,380
+ممكن يكون العكس مش في الضرورة لكن ممكن نقول انه
+
+317
+00:32:58,380 --> 00:33:06,160
+يعني يا اخوة المضاربة العادية تمثل جزء او محطة
+
+318
+00:33:06,160 --> 00:33:15,880
+رئيسية في المضاربة المشتركة سواء في العرض الاول او
+
+319
+00:33:15,880 --> 00:33:20,710
+العرض الثانيالعرض الأول عبارة عن مضاربة، ولا لا؟
+
+320
+00:33:20,710 --> 00:33:26,650
+بين صاحب بالمضارب، متمثل في البنك، وبين أصحاب
+
+321
+00:33:26,650 --> 00:33:33,390
+الأموال، بغض النظر عن إنه وقت إيش بدأ، وهذه
+
+322
+00:33:33,390 --> 00:33:39,640
+مضاربة، والمضاربة الثانية متمثلة على البنكمع أصحاب
+
+323
+00:33:39,640 --> 00:33:44,840
+ك .. ك .. ك .. ك .. صاحب مال مع مين؟ مع أصحاب
+
+324
+00:33:44,840 --> 00:33:51,900
+التجارات والاصطناعات وإذا يعني فدعني أقول يعني و
+
+325
+00:33:51,900 --> 00:33:55,240
+هذا يمكن أهم وجه من وجهه الاتفاق أن المضاربة
+
+326
+00:33:55,240 --> 00:34:01,180
+العادية حاضرة بجلاء في المضاربة المشتركة و في
+
+327
+00:34:01,180 --> 00:34:03,600
+مرحلتين
+
+328
+00:34:05,920 --> 00:34:10,900
+وإن كان وجه الإختلاف بينهم أن هناك ارتباط بين
+
+329
+00:34:10,900 --> 00:34:14,540
+المرحلتين لكن هنا مرحلة واحدة أو مستقلة بتاعة
+
+330
+00:34:18,290 --> 00:34:22,670
+ما هو ذكره؟ طيب يعني احنا بالفعل استعرضنا وجوه
+
+331
+00:34:22,670 --> 00:34:28,530
+كثيرة من وجوه الاتفاق ومنها يمكن أن نستخلص وجوها
+
+332
+00:34:28,530 --> 00:34:34,230
+الاختلاف منها ومن غيرها تعالوا نشوف وجوه الاختلاف
+
+333
+00:34:34,230 --> 00:34:40,770
+طبعا هناك كما قلنا دائما أو كما نقول دائما وجوه
+
+334
+00:34:40,770 --> 00:34:43,310
+الاختلاف بعضها شكلي وبعضها
+
+335
+00:34:45,260 --> 00:34:50,160
+جوهري في المضمون في النخاع الشكلي او هنا ثلاثة و
+
+336
+00:34:50,160 --> 00:34:56,700
+هنا اثنين هنا ثلاثة اطراف و بتفرع منهم كل طرف
+
+337
+00:34:56,700 --> 00:35:03,880
+اطراف عديدة و هنا طرفين لا ثالثة لهما الاختلاف
+
+338
+00:35:03,880 --> 00:35:09,780
+كمان الشكلي هذه مضاربة نقطة هذه مضاربة مشتركة ممكن
+
+339
+00:35:09,780 --> 00:35:16,750
+اختلاف في الاسمبرضه نعتبر اختلاف، لكن خلّينا نشوف
+
+340
+00:35:16,750 --> 00:35:22,010
+اختلافات في المضمون، في الجوهر، اللي ممكن يكون لها
+
+341
+00:35:22,010 --> 00:35:27,370
+أثر زي ما جال أخونا يا سين على الحكمأولا الخلط
+
+342
+00:35:27,370 --> 00:35:33,110
+الخلط الأموال هنا خلط والخلط يؤدي إلى اضطراب
+
+343
+00:35:33,110 --> 00:35:38,770
+وارتباك وعدم قدرة على دقة الحساب وبالمناسبة يا
+
+344
+00:35:38,770 --> 00:35:43,210
+إخوة في مسألة الحقوق والأرباح الأصل انه كما يقول
+
+345
+00:35:43,210 --> 00:35:50,890
+المثل الكرم أو الحجب الدرهم والكرم بالدنطار الحقوق
+
+346
+00:35:50,890 --> 00:35:52,930
+والحسابات بالملين
+
+347
+00:35:55,550 --> 00:36:00,190
+مافيش فيها بيمش وتقريب ومش تقريب ومسامح ومش مسامح
+
+348
+00:36:00,190 --> 00:36:08,130
+لأعملية الخلط هذه ستربك عملية الدقة في الحسابات
+
+349
+00:36:08,130 --> 00:36:13,270
+لأن هذا خلط متلاحق مش بس خلط في أن واحد يمكن أجيله
+
+350
+00:36:13,270 --> 00:36:17,410
+طريقة في الحساب لكن خلط متلاحق خلط أول مرة و في
+
+351
+00:36:17,410 --> 00:36:20,170
+الشهر الثاني و في الشهر الثالث و في الشهر الرابع و
+
+352
+00:36:20,170 --> 00:36:23,390
+خلط من جهة المشاريع مرة الشهر الأول في السنة عملنا
+
+353
+00:36:23,390 --> 00:36:26,090
+مشروع كذا و الشهر الثاني في السنة عملنا مشروع جديد
+
+354
+00:36:26,090 --> 00:36:31,280
+و مش عارفين الفلوس هدولة اشتغلين متى و وينعملية
+
+355
+00:36:31,280 --> 00:36:38,880
+خلط قد .. قد يترتب عليها أو عنها عدم عدالة في
+
+356
+00:36:38,880 --> 00:36:44,660
+توزيع الأرباح بناء على رؤوس الأموال المدفوعة طيب،
+
+357
+00:36:44,660 --> 00:36:49,480
+شيء آخر، من الفوق، هذا فرق، ثمارة مدى التأثير،
+
+358
+00:36:49,480 --> 00:36:53,820
+نعم؟ بمان
+
+359
+00:36:53,820 --> 00:37:01,760
+رأس المال، وما ذكرناه قبل قليلضمان في المباربة
+
+360
+00:37:01,760 --> 00:37:07,680
+المشتركة رأسه المالي مضمون البنك بيقوله انت تربح
+
+361
+00:37:07,680 --> 00:37:13,280
+ماتخسرش وقت ما بدك المصاريك اتفضل اخر السنة اتفضل
+
+362
+00:37:13,280 --> 00:37:17,640
+و ربحها فوقها لو اثناء السنة اذا قدرت برجلك يهن
+
+363
+00:37:17,640 --> 00:37:22,420
+بدون مربح ممكن كمان الا حسب اتفاقات معينة ماخسر
+
+364
+00:37:22,420 --> 00:37:30,340
+مافيلكن هناك أمر طبعا مختلف تماما، الخسارة على رب
+
+365
+00:37:30,340 --> 00:37:33,980
+المال، الربح مشترك نعم، لكن الخسارة على رب المال،
+
+366
+00:37:33,980 --> 00:37:37,860
+ثالثا او رابعا، نعم الشركة أو المضاربة المشتركة
+
+367
+00:37:37,860 --> 00:37:41,480
+لها فرقة استمرارية، لتاني الواقف، لكن الفردية
+
+368
+00:37:41,480 --> 00:37:47,050
+بتنتهي بالصفقة أو بال .. يعني يا أخوة لاحظواكل أو
+
+369
+00:37:47,050 --> 00:37:53,130
+معظم المعاملات
+
+370
+00:37:53,130 --> 00:37:56,490
+المستحدثة لدى البنوك يعني المشاركة المنتهية
+
+371
+00:37:56,490 --> 00:38:01,310
+بالتمليك الإجارة المنتهية بالتمليك كان شرط أو
+
+372
+00:38:01,310 --> 00:38:07,490
+الخصية اللى فيها ايه التوقيتتوقيت، بعد خمس سنين،
+
+373
+00:38:07,490 --> 00:38:14,210
+بعد عشر سنين، الموقف موقف، لكن المضاربة المشتركة
+
+374
+00:38:14,210 --> 00:38:18,590
+مبنية على الاستمرارية، واحد يقول لي كيف مبنية على
+
+375
+00:38:18,590 --> 00:38:23,470
+الاستمرارية، وانا ممكن بعد سنة أاخدفلوسي و اروح
+
+376
+00:38:23,470 --> 00:38:30,030
+انت بتاخد و بتروح لكن الشركة مستمرة في عشرين خمسين
+
+377
+00:38:30,030 --> 00:38:35,090
+ميت واحد لسه مشاركين و مستمرة الشركة .. الشركة
+
+378
+00:38:35,090 --> 00:38:40,550
+المضاربة المشتركة قائمة على الاستمرار يعني ان سحب
+
+379
+00:38:40,550 --> 00:38:47,690
+مين ما انسحب تبقى مستمرة بيجي غيرك او ضاير غيركلكن
+
+380
+00:38:47,690 --> 00:38:54,990
+هناك في المدارمة العادية انسحت ثرف خلص انتهت انتهت
+
+381
+00:38:54,990 --> 00:38:59,270
+الصفقة خلصت التجارة انتهت صار اختلاف وفكوا بينهم
+
+382
+00:38:59,270 --> 00:39:05,050
+انتهت تنتهي ليس قايمة الاستمرارية هذه قايمة خلص
+
+383
+00:39:05,050 --> 00:39:11,510
+مشروع لدى البنك على طول حطه في مخه بدأ فيه وظل
+
+384
+00:39:11,510 --> 00:39:17,120
+داعس مشاريع هذه شغالة ايش يوقفها؟إذا بدت تقرأ
+
+385
+00:39:17,120 --> 00:39:22,600
+بديار البنك والمودعين، بغض
+
+386
+00:39:22,600 --> 00:39:27,860
+النظر عن تغير وجوه المستثمرين وأصحاب الأموال، أما
+
+387
+00:39:27,860 --> 00:39:30,880
+من حيث الحكم، نتركه للمرة القادمة، شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RfuqpJpr4uk_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RfuqpJpr4uk_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..29069478c93008584ac4ee5c5480981f1edce904
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/RfuqpJpr4uk_raw.srt
@@ -0,0 +1,1548 @@
+1
+00:00:21,480 --> 00:00:30,360
+المضاربة المشتركة، يا عزيزي الأفخور الكرام، كانت
+
+2
+00:00:30,360 --> 00:00:35,880
+بداية هذه الإشارات مخودة من الإسم نفسه، من
+
+3
+00:00:35,880 --> 00:00:40,560
+المصطلح، حيث قلنا إن المضاربة المشتركة سمية بهذا
+
+4
+00:00:40,560 --> 00:00:45,480
+الإسم نظراً لتعدد وكثرة
+
+5
+00:00:51,050 --> 00:00:56,010
+المضاربة العادية التي لا يعدوا الشركات فيها عن
+
+6
+00:00:56,010 --> 00:01:03,330
+اثنين فقط ولذلك سميت بالمشاركة الفنانية لأن
+
+7
+00:01:03,330 --> 00:01:07,810
+الشركات لا يزيدون عن اثنين
+
+8
+00:01:11,430 --> 00:01:16,610
+المضاربة المشتركة التي استحدثتها البنوك الإسلامية
+
+9
+00:01:16,610 --> 00:01:21,490
+اليوم فهي مضاربة ثلاثية الأبعاد في صح التعبير أو
+
+10
+00:01:21,490 --> 00:01:27,700
+ثلاثية الأطراف يعني في ثلاث أطراف رئيسيةالطرفان
+
+11
+00:01:27,700 --> 00:01:35,740
+الرئيسان الممول و الصاحب الجود و الخبرة المصنع او
+
+12
+00:01:35,740 --> 00:01:40,520
+التاجر و الطرف الثالث هو الوسيط المتمثل في البنك
+
+13
+00:01:40,520 --> 00:01:47,180
+وكل طرف من هذه الأطراف يعني يمكن ان يتفرع عنه او
+
+14
+00:01:47,180 --> 00:01:54,340
+يمكن ان يكون متمثل في أفراد متعددين فالممولونمن
+
+15
+00:01:54,340 --> 00:02:00,000
+المودعين لأموالهم عشرات قد يكونوا وكل أموالهم
+
+16
+00:02:00,000 --> 00:02:04,540
+تستثمر بطريق المضاربة المشتركة والمستثمرين لهذه
+
+17
+00:02:04,540 --> 00:02:09,840
+الأموال من أصحاب الصناع والتجاري أيضا قد يكونوا
+
+18
+00:02:09,840 --> 00:02:15,550
+بالعشرات وكل هؤلاءيستثمرون جهودهم وخبراتهم في
+
+19
+00:02:15,550 --> 00:02:22,310
+استثمار هذه الأموال فأصبحت العملية أو هذه المعاملة
+
+20
+00:02:22,310 --> 00:02:27,570
+أو هذه المضاربة يشتركوا فيها العديد من الأطراف
+
+21
+00:02:27,570 --> 00:02:33,400
+العديد من الممولين العديد منأصحاب الجهد والخبرات
+
+22
+00:02:33,400 --> 00:02:39,260
+والصناع إضافة إلى البنك الذي ينسق العلاقة
+
+23
+00:02:39,260 --> 00:02:45,540
+والمعاملة وطريقة الاستثمار بين هذين الطرفين ولذلك
+
+24
+00:02:45,540 --> 00:02:52,620
+سميت المضاربة المشتركة ولعل التسمية موفقة
+
+25
+00:02:52,900 --> 00:03:01,000
+ومناسبة لذلك لهذه الطبيعة ولهذا المضمون من طبيعة
+
+26
+00:03:01,000 --> 00:03:08,520
+هذه المعاملة ومن هنا نبدأ نتصور أو تبدأ تتضح لنا
+
+27
+00:03:08,520 --> 00:03:14,560
+الصورة في مفهوم المضاربة المشتركة هي عبارة عن أن
+
+28
+00:03:14,560 --> 00:03:20,220
+يعرض البنك الإسلامي نفسهعلى أصحاب الأموال و رؤوس
+
+29
+00:03:20,220 --> 00:03:25,780
+الأموال و المداخلات يعرض نفسه عليهم ليش؟ على أن
+
+30
+00:03:25,780 --> 00:03:31,740
+يستثمر لهم أموالهم في التصنيع في التجارة في
+
+31
+00:03:31,740 --> 00:03:41,510
+التسويق إلى غير ذلكثم باعتباره مضارب، هنا يعني
+
+32
+00:03:41,510 --> 00:03:46,150
+يعرف نفسه، باعتباره عاملا، باعتباره تاجرا،
+
+33
+00:03:46,150 --> 00:03:51,510
+باعتباره صانعا، اللي هو المضارب، يجب أقول هذا اسم
+
+34
+00:03:51,510 --> 00:03:56,300
+مضارب أو عامليعرض نفسه على أصحاب الأموال باعتبار
+
+35
+00:03:56,300 --> 00:04:00,220
+يا من تريدون وكان بيه يريد القول يا من تريدون أن
+
+36
+00:04:00,220 --> 00:04:07,400
+تستثمروا أموالكم بضمان وثقة وربح وفير تعالوا فأنا
+
+37
+00:04:07,400 --> 00:04:14,860
+مستعد لاستثمار هذه الأموال حتى إذا جاءوا وأودعوا
+
+38
+00:04:14,860 --> 00:04:23,080
+أموالهم للاستثمار أدهر وجههالجهة الأخرى وهي
+
+39
+00:04:23,080 --> 00:04:29,180
+المتمثلة في أصحاب الصناعات والتجارات والجهود
+
+40
+00:04:29,180 --> 00:04:33,500
+والخبرات، يا أصحاب الخبرات، الآن أصبح صاحب رأسمان،
+
+41
+00:04:33,500 --> 00:04:37,760
+يا أصحاب الخبرات، يا من تريدوا إقامة المصانع، يا
+
+42
+00:04:37,760 --> 00:04:42,300
+من لكم خبرة في التجارة، أنا مستعد لتمويلكم
+
+43
+00:04:43,630 --> 00:04:49,850
+وما عليكم إلا أن تتجروا وما عليكم إلا أن تزرعوا
+
+44
+00:04:49,850 --> 00:04:57,730
+وتصنعوا وإلى غير ذا وتجتهدوا في التنمية
+
+45
+00:04:57,730 --> 00:05:06,650
+وفي الاقتصاد يفعل هذا لماذا طبعا هكذا فقط محسن لا
+
+46
+00:05:08,640 --> 00:05:13,800
+نعم يفعل هذا لكي يكون له أو مقابل أن يكون له نصيب
+
+47
+00:05:13,800 --> 00:05:20,680
+في الأرباح التي تتوفر نتيجة هذه التجارة أو هذه
+
+48
+00:05:20,680 --> 00:05:25,280
+الشركة أو هذه الصناعة أو إلى غير ذلك نصيب في الربح
+
+49
+00:05:25,280 --> 00:05:31,560
+يتقاسمه هو و هذه الأطرافأصحاب الاستثمار الذين
+
+50
+00:05:31,560 --> 00:05:38,200
+بدلوا جهودهم وخبراتهم وإداراتهم لهم نصيب وأصحاب
+
+51
+00:05:38,200 --> 00:05:44,640
+الأموال الذين بدلوا أموالهم لهم نصيب وهو الذي نسق
+
+52
+00:05:44,640 --> 00:05:49,960
+وأدار العملية له نصيب هذه ببساطة شديدة يا أخوة
+
+53
+00:05:49,960 --> 00:05:56,690
+طبيعةالمضاربة المشتركة يظهر لنا ببساطة أو ب .. ب
+
+54
+00:05:56,690 --> 00:06:02,770
+.. ب .. بسرعة كما قال أخونا أن البنك في هذه
+
+55
+00:06:02,770 --> 00:06:09,310
+المعاملة يتعامل بشخصيتين يتعامل بوجهين مرة يتعامل
+
+56
+00:06:09,310 --> 00:06:17,300
+باعتباره مضاربيعني عامل يعني الذي يقدم جهده دون أن
+
+57
+00:06:17,300 --> 00:06:22,480
+يشارك بالمال وهذا عندما يتوجه إلى أصحاب الأموال
+
+58
+00:06:22,480 --> 00:06:28,600
+ومرة أخرى يتعامل بوجه صاحب رأس المال بشخصية صاحب
+
+59
+00:06:28,600 --> 00:06:33,300
+المال الذي يريد أن يستثمر ماله البنك يا إخوة لابد
+
+60
+00:06:33,300 --> 00:06:38,740
+يبذل جهد ولا بد يصنع ولا بد يعني يشارك بماله الخاص
+
+61
+00:06:39,770 --> 00:06:46,430
+البنك بده يشغل أموال أصحاب المداخلات عند أصحاب
+
+62
+00:06:46,430 --> 00:06:55,050
+الجهود و الخبرات وفق بينهم هل المضارب يضارب لإكبار
+
+63
+00:06:55,050 --> 00:06:59,870
+أن موضوع المضاربة كان يتضمن آخر جامعة الأول مالي
+
+64
+00:06:59,870 --> 00:07:05,430
+لعامله والثاني عامله ماله دلوقت دلوقت هذا البيانات
+
+65
+00:07:05,430 --> 00:07:07,030
+تصيبوها مانوش معاك
+
+66
+00:07:16,180 --> 00:07:23,720
+كل هذه إشكاليات سيأتي عليها الحل وينبني عليها
+
+67
+00:07:23,720 --> 00:07:29,230
+الحكملأنه بالفعل يا إخوة هذه الطريقة سيتولد عنها
+
+68
+00:07:29,230 --> 00:07:35,410
+إشكالات و أيضا هناك إشكالات أخرى سنتعرض لها أيضا
+
+69
+00:07:35,410 --> 00:07:41,610
+في إشكالات كثيرة سنتعرض لها ثم نرى كيف حلها و وجد
+
+70
+00:07:41,610 --> 00:07:47,050
+تخريجا لها الفقهاء أو اللجان الفتوى في المحافظة
+
+71
+00:07:48,940 --> 00:07:53,280
+أيوة أحسنت هذا بالتأكيد سنشيره إليه
+
+72
+00:07:56,350 --> 00:07:59,190
+لكن احنا بس لأن نعطي صورة .. احنا لازمنا في
+
+73
+00:07:59,190 --> 00:08:03,930
+البداية نعطي تعريفا .. نعطي تعريفا وتصويرا مبدئيا،
+
+74
+00:08:03,930 --> 00:08:09,210
+اذا هي .. هذه هي حقيقة المضاربة او دعونا نقول هي
+
+75
+00:08:09,210 --> 00:08:16,130
+عبارة عن عقد ثلاثي يتم على مرحلتين عقد ثلاثي بين
+
+76
+00:08:16,130 --> 00:08:21,960
+البنك وصاحب الخبرة وصاحب المال عقد ثلاثييتم على
+
+77
+00:08:21,960 --> 00:08:25,820
+مرحلتين، المرحلة الأولى تتم بين البنك باعتباره
+
+78
+00:08:25,820 --> 00:08:31,340
+مضارب وبين أصحاب الأموال، والمرحلة التانية تتم بين
+
+79
+00:08:31,340 --> 00:08:36,460
+البنك وبين أصحاب الجهد والإدارة والتجارة والخبرة
+
+80
+00:08:36,980 --> 00:08:43,280
+هذه هي المرحلة الثانية على وبموجب هتين المرحلتين
+
+81
+00:08:43,280 --> 00:08:47,940
+أو على أثر هتين المرحلتين يتم تقسيم الأرباح
+
+82
+00:08:47,940 --> 00:08:56,460
+ويصبحوا للوسيط جزء من الربح كالعادة
+
+83
+00:08:56,460 --> 00:09:03,350
+نمتقل إلى بيان الخطوات قبل بيان الفروق أيضاالخطوات
+
+84
+00:09:03,350 --> 00:09:07,190
+التي تتم تتميما للتعريف أنا أرى أن الخطوات هي
+
+85
+00:09:07,190 --> 00:09:12,810
+تتميم للتعريف وتزيد التعريف وضوحا وتزيد المعاملة
+
+86
+00:09:12,810 --> 00:09:17,550
+تجريا ما هي الخطوات التي تتم بها وإن كانت قد بدت
+
+87
+00:09:17,550 --> 00:09:25,170
+تلوح من التعريف نفسه بعض الخطوات يمكن يا إخوة في
+
+88
+00:09:25,170 --> 00:09:32,160
+كل المعاملات القديمةأسف في كل المعاملات يعني التي
+
+89
+00:09:32,160 --> 00:09:37,820
+تتعامل بها البنوك والتي تحدثنا منها بدلا من
+
+90
+00:09:37,820 --> 00:09:41,400
+المرابحة والإيجار المنتهي بالتمليك والمشاركة
+
+91
+00:09:41,400 --> 00:09:48,700
+المنتهية بالتمليك كانت الخطوة الأولى من .. من مين؟
+
+92
+00:09:48,700 --> 00:09:55,340
+من الزبون يتقدم إلى البنك بطلب
+
+93
+00:09:56,870 --> 00:10:00,270
+للمشاركة المنتهية بالتمليك، للإيجارة المنتهية
+
+94
+00:10:00,270 --> 00:10:04,070
+بالتمليك، للمرابحة، ليس كذلك؟ هذه المرابحة، لكن
+
+95
+00:10:04,070 --> 00:10:10,050
+المرة الخطوة الأولى الحقيقية من البنك، وانتم
+
+96
+00:10:10,050 --> 00:10:16,010
+لاحظتم هذا بالتعريف، البنك هو الذي يتوجه إلى أصحاب
+
+97
+00:10:16,010 --> 00:10:21,240
+الأموال، أصحاب رؤوس الأموال، يستحثهم، يستفزهم،أنا
+
+98
+00:10:21,240 --> 00:10:26,060
+مستعد أستثمركوا أموالكوا بعيدا عن الربا، بعيدا عن
+
+99
+00:10:26,060 --> 00:10:31,220
+الحرام، بثقة، بربح وفير، هكذا كأن بيه يريدوا أن
+
+100
+00:10:31,220 --> 00:10:35,660
+يقول يا من تستثمرون أموالكم في البلوك الربوي
+
+101
+00:10:35,660 --> 00:10:40,060
+أخرجوها واتوها ليه تستثمروها بالحلال؟ يا من
+
+102
+00:10:40,060 --> 00:10:45,120
+تستثمروها حتى في مشاريع غير حرام وبنسبة بسيطة
+
+103
+00:10:45,120 --> 00:10:50,500
+تعالوا لتصبحوا شركاء، انقدروا مشاركةشركاء في الربح
+
+104
+00:10:50,500 --> 00:10:54,340
+مهما كان الربح أنتم شركاء فيه، لو كان الربح خمسين
+
+105
+00:10:54,340 --> 00:10:57,520
+في المية، يمكن يقع الواحد عشرين في المية، بدل ما
+
+106
+00:10:57,520 --> 00:11:00,780
+إيش نسبة يعني عشرين وعشرين وعشرة، أو خمستاش
+
+107
+00:11:00,780 --> 00:11:03,460
+وخمستاش، بدل ما ياخد في السنة خمسة في المية وسبعة
+
+108
+00:11:03,460 --> 00:11:08,700
+في المية وتلاتة في المية، لأفإذا المرحلة الأولى
+
+109
+00:11:08,700 --> 00:11:18,440
+تبدأ من البنك بعرض نفسه كمضارب ليستثمر أموال أصحاب
+
+110
+00:11:18,440 --> 00:11:27,200
+الرؤوس الأموال والمدخراتإذا دفعوا اقتنعوا ودفعوا
+
+111
+00:11:27,200 --> 00:11:32,720
+واستجابوا إلى هذا العرض كانت الخطوة الثانية الخطوة
+
+112
+00:11:32,720 --> 00:11:37,120
+الثانية الآن أخد الأموال الخطوة التانية طبعا على
+
+113
+00:11:37,120 --> 00:11:43,140
+طول ومباشرة لأن المال كل يوم إذا ما استثمرش مخسر
+
+114
+00:11:43,140 --> 00:11:52,250
+في حسابات أهل التجارة على الأقل على طوليستدير إلى
+
+115
+00:11:52,250 --> 00:11:58,110
+أصحاب، يا أصحاب يا من تريدون إقامة المشاريع وليس
+
+116
+00:11:58,110 --> 00:12:01,870
+لديكم تمويل، اللي عنده أفكار، اللي عنده خبرات،
+
+117
+00:12:01,870 --> 00:12:05,910
+اللي عنده مهارات، اللي عنده قدرات، ماعندهش أموال
+
+118
+00:12:05,910 --> 00:12:11,870
+أو عنده أموال لاتكفي، أنا مستعد أمول، هنا أيها
+
+119
+00:12:11,870 --> 00:12:18,930
+الأخوة ليس كل من يعرفنفسه من أصحاب الاستثمار ليقدم
+
+120
+00:12:18,930 --> 00:12:23,430
+مشروع نقبل بالتأكيد هذا بيقدم بدنا نعمل انا بدي
+
+121
+00:12:23,430 --> 00:12:28,030
+اعمل مزرعة دواجن هذا بده يعمل مصنع نايلون هذا بده
+
+122
+00:12:28,030 --> 00:12:34,170
+يعمل بركة سمك هذا بده يعني مشاريع كثيرة تتقدم
+
+123
+00:12:34,170 --> 00:12:40,450
+البنك يقوم بدراسة هذه المشاريعمباشرة والمشاريع
+
+124
+00:12:40,450 --> 00:12:45,810
+اللي بنجيها مناسبة وتنتج بالاضافة إلى من هو
+
+125
+00:12:45,810 --> 00:12:52,850
+المتقدم مضمون امين يعني كل هذه اذا بعد ان يختار من
+
+126
+00:12:52,850 --> 00:12:57,630
+مجموع من تقدم اليه بعد ان عرض نفسه عليهم يختار ثم
+
+127
+00:12:57,630 --> 00:13:03,150
+يعقد اتفاقات معهم الآن يعقد اتفاقات مضاربة هو هناك
+
+128
+00:13:03,150 --> 00:13:08,390
+اي من المضاربةمع أصحاب الأموال، والآن بيعمل مضاربة
+
+129
+00:13:08,390 --> 00:13:14,770
+مع أصحاب الجهود والخبرات، لاحظوا مضاربة ومضاربة،
+
+130
+00:13:14,770 --> 00:13:22,830
+هنا مرة بيعمل حاله مضارب، والان مرة ثانية صار صاحب
+
+131
+00:13:22,830 --> 00:13:36,220
+مالالخطوة الثالثة أن يتم التعاقد على المشاريع التي
+
+132
+00:13:36,220 --> 00:13:44,640
+تم عرضها، بعد ذلك الآن تم التعاقد، الخطوة اللي
+
+133
+00:13:44,640 --> 00:13:50,730
+بعدها بتيجي إيش؟ ده في الأموال لهمدافع الأموال
+
+134
+00:13:50,730 --> 00:13:54,830
+لهم؟ من وين الأموال؟ من الأموال اللي جابها طيب
+
+135
+00:13:54,830 --> 00:13:59,070
+الآن الأموال اللي أخدها من أصحاب رؤوس الأموال طيب
+
+136
+00:13:59,070 --> 00:14:02,610
+هل يُعطي ..الآن هو استثمار خليني أقول أو تعاقد مع
+
+137
+00:14:02,610 --> 00:14:07,990
+خمسة أو ستة أو سبعة من أصحاب المشاريع هل أنا و فيه
+
+138
+00:14:07,990 --> 00:14:12,530
+عندي خمسة أو ستة أو سبعة مثلا في المقابل من أصحاب
+
+139
+00:14:12,530 --> 00:14:14,810
+الأموال اللي أعطوني هذا أعطاني عشر تلافة، هذا
+
+140
+00:14:14,810 --> 00:14:20,900
+أعطاني خمستاشر ألف، هل أنا بعطي الفلوس محمدبخصصها
+
+141
+00:14:20,900 --> 00:14:26,440
+في مشروع مزرعة الدواجن وفلوس أحمد في مشروع مصنع
+
+142
+00:14:26,440 --> 00:14:35,740
+النيلون وفلوس فاتحي في مشروع يعني مثلا مبنى سكني
+
+143
+00:14:35,740 --> 00:14:43,360
+ولا الأمر قائم على خلط الأموال الأمر قائم على خلط
+
+144
+00:14:43,360 --> 00:14:49,500
+الأموال وهذه مشكلته الأخرى سنجدهاالآن هو صار خلط
+
+145
+00:14:49,500 --> 00:14:54,580
+الأموال اللي أخدها هو بس معروف، فدولة محمد له عشرة
+
+146
+00:14:54,580 --> 00:15:00,410
+وحمدان له عشرين معروفة عندهلكن هو الآن ايش بلزمك
+
+147
+00:15:00,410 --> 00:15:06,670
+يا صاحب المشروع؟ اتفضل من الكم بعد ان خلط الأموال
+
+148
+00:15:06,670 --> 00:15:13,450
+ايش بلزمك؟ اتفضل ايش بلزمك؟ اتفضل دون ان يميز ان
+
+149
+00:15:13,450 --> 00:15:17,830
+كان هذا المال اللذي استثمر في هذا المشروع لفلان او
+
+150
+00:15:17,830 --> 00:15:21,870
+لعلان او في المشروع اللذي يليه الامر كل المشاريع
+
+151
+00:15:21,870 --> 00:15:27,790
+هذه اللي اشترك فيها كأنها بالنسبة اليه مشروع واحدو
+
+152
+00:15:27,790 --> 00:15:33,830
+هذه الأموال التي جمعها و خلطها كأنها مال واحد
+
+153
+00:15:33,830 --> 00:15:41,770
+كأنها مال واحد والإشكالي الأكبر انه الأمر ما بتوقف
+
+154
+00:15:41,770 --> 00:15:45,370
+and هيك طب احنا هدول اللي دفعوا الأموال يا اخوة لم
+
+155
+00:15:45,370 --> 00:15:52,150
+يدفعوها دفعة واحدة في أول السنة في كمان شهرين في
+
+156
+00:15:52,150 --> 00:15:54,270
+كمان خمستاشر في كمان تسعتاشر
+
+157
+00:15:56,690 --> 00:16:06,450
+ومع ذلك الخلط خلط فقط بس بنعرف وقت إيش دفع المدة
+
+158
+00:16:06,450 --> 00:16:15,150
+اللي جبتهم المصريين وكم دفع المدة يعني كأنه سنفهم
+
+159
+00:16:15,150 --> 00:16:22,110
+شيئا بعد ذلك كأن الربح الذي سياخذه أصحاب الأموال
+
+160
+00:16:23,850 --> 00:16:30,210
+مياره الكم .. كم رأس المال أو قدر رأس المال إضافة
+
+161
+00:16:30,210 --> 00:16:37,310
+إلى المدة التي قضاها في الاستثمار، سنة، ست شهور،
+
+162
+00:16:37,310 --> 00:16:39,330
+سنتين، أكثر، أقل
+
+163
+00:16:42,040 --> 00:16:46,240
+طبعا هنا في إشكالات سنعرضها لكن على كل الأحوال حتى
+
+164
+00:16:46,240 --> 00:16:52,240
+بعض الموجود أولا بعد عملية
+
+165
+00:16:52,240 --> 00:16:59,740
+الخلط و بدء المشاريعتتم تبدأ يعني عملية الناتج
+
+166
+00:16:59,740 --> 00:17:04,500
+والارضة ولا لأ بدأ اشتغل بغض النظر هذا صح ولا غلط
+
+167
+00:17:04,500 --> 00:17:09,080
+المهم بدأ المصانع يشتغلوا والمزارع وصار بيئة وصار
+
+168
+00:17:09,080 --> 00:17:15,770
+في حسابات وصار في ربح يتم تقسيم الربحلكن طبعا
+
+169
+00:17:15,770 --> 00:17:19,170
+تقسيم الربح يا اخوة عادة ما يتم في نهاية كل عام
+
+170
+00:17:19,170 --> 00:17:23,250
+وهذا بيكون اتفاق النهاية العام السنوية يعني كل سنة
+
+171
+00:17:23,250 --> 00:17:27,210
+مالية لأنه مش بعد كل أسبوع ولا أسبوعين ولا شهر انا
+
+172
+00:17:27,210 --> 00:17:32,350
+بدي أعملك حسبة طيب ومع ذلك هناك مشكلة ايضا مشكلة
+
+173
+00:17:32,350 --> 00:17:36,010
+مهمة جدا طيب في نهاية السنة انا حاطيت الموالي
+
+174
+00:17:36,010 --> 00:17:39,470
+العشر تلاف بدي استثمرها عندك مضاربة مشتركة لمدت
+
+175
+00:17:39,470 --> 00:17:45,610
+عام وانت قبلت بذلك بعام طيبأو حتى نهاية العام،
+
+176
+00:17:45,610 --> 00:17:49,150
+ممكن تسجلون ستة أشهر، حتى نهاية العام، حتى نهاية
+
+177
+00:17:49,150 --> 00:17:51,370
+السنة المالية، عند جرد الحساب
+
+178
+00:17:55,930 --> 00:18:00,370
+المصانع والشركات اللى انت تعاملت معاها والمشاريع
+
+179
+00:18:00,370 --> 00:18:06,650
+صحيح يعنى فى إيش باعت وإيش ربحت فى سيولة وفى لسه
+
+180
+00:18:06,650 --> 00:18:14,930
+يعنى مشاريع لسه لازالت يعنى فى طور الإنتاج أو
+
+181
+00:18:14,930 --> 00:18:25,290
+أنتجت ولم تبيع منتجهالسه .. لسه علب الصبون او
+
+182
+00:18:25,290 --> 00:18:30,750
+الناتج او علب الصلصة او الى موجودة مانباعتش، بضاعة
+
+183
+00:18:32,210 --> 00:18:37,270
+موجودة لسه مانبعتش كل مصنع كل مانجر فترات اما
+
+184
+00:18:37,270 --> 00:18:41,590
+لكساد او لسه في فترة تغليف او كذا او او الى غير
+
+185
+00:18:41,590 --> 00:18:46,170
+ذلك و احنا عاجزة السنة المالية و الناس بدها .. في
+
+186
+00:18:46,170 --> 00:18:49,770
+ناس بدها .. في ناس طبعا الصورة هنا في ناس بدها
+
+187
+00:18:49,770 --> 00:18:54,670
+تسترد اموالها بالاضافة للارباح في ناس بدها تمدد
+
+188
+00:18:54,670 --> 00:19:01,460
+لكن حتى اللي بده يمدد بده يعرف جديش ربحمع انه في
+
+189
+00:19:01,460 --> 00:19:06,000
+مابقدرش انا حقيقة لو بدي انا اقدر الربح تقديرا
+
+190
+00:19:06,000 --> 00:19:12,560
+حقيقيا لأ استطيع لأنه في .. وفي انا يعني زي ما
+
+191
+00:19:12,560 --> 00:19:15,900
+قلتلكوا المصانع بعضها لسه السيولة ماصارتش وفي
+
+192
+00:19:15,900 --> 00:19:19,720
+بعضها سيولة وفيه ممكن مشاريع انا لسه بلشت فيها
+
+193
+00:19:19,720 --> 00:19:25,080
+جديد كمان يعني زي ما انه ال .. الفلوس اللي بتجيني
+
+194
+00:19:25,080 --> 00:19:32,680
+بتيجي متلاحقة فكذلك المشاريعممكن ان تقام متلاحقة
+
+195
+00:19:32,680 --> 00:19:38,780
+يعني مش مضروب ان كل المشاريع في يوم واحد طب انا
+
+196
+00:19:38,780 --> 00:19:43,060
+اليوم عندي جمعت خمسين الف تقيم فيها مشروع ولا
+
+197
+00:19:43,060 --> 00:19:46,900
+مشروعين بعد شهرين جمعت كمان وكله في الاخر الناتج
+
+198
+00:19:46,900 --> 00:19:50,200
+واحد او يخلط معاهم ويتم تقسيمهم وفق المعايير اللي
+
+199
+00:19:50,200 --> 00:20:01,420
+ذكرتالان يا اخوة كما قلت في بضائع موجودة وفي خامات
+
+200
+00:20:01,420 --> 00:20:07,140
+وفي كذا اموال ليست سائلة ولا استطيع ان اوزع ربحها
+
+201
+00:20:07,140 --> 00:20:11,700
+وهدول بدهم ارباحهم ومع ذلك انا مضطر ومجبر ان افعل
+
+202
+00:20:11,700 --> 00:20:18,820
+ذلك فكيف تتم عملية تقسيم الارباح؟تتم عملية احتساب
+
+203
+00:20:18,820 --> 00:20:25,620
+وتقسيم الأرباح بناء على ما يُعرف بالتنظيذ التقديري
+
+204
+00:20:25,620 --> 00:20:31,460
+بالتنظيذ التقديري التنظيذ يا إخوة معناه تحويل
+
+205
+00:20:31,460 --> 00:20:36,920
+البضاعة أو المتاع إلى مال العين يعني نقد العين
+
+206
+00:20:36,920 --> 00:20:41,200
+يعني نقد مش العين يعني .. العين لأن الذهب و الفضل
+
+207
+00:20:41,200 --> 00:20:48,060
+يطلق عليه عينأه، العروض التجارة هذه تحول إلى
+
+208
+00:20:48,060 --> 00:20:54,560
+أموال، إلى نقود، هذه تسمى طيب، تسمى تنظيف، هذا
+
+209
+00:20:54,560 --> 00:20:59,260
+تنظيف، طب أنا التحويل مش متوفر إليه، التنظيف مش
+
+210
+00:20:59,260 --> 00:21:05,760
+متوفر إليه، التنظيف بتتم عن طريق البيع،
+
+211
+00:21:05,760 --> 00:21:12,390
+بتصير عملية تنظيف تقديريكيف يعني؟ يعني تقدير،
+
+212
+00:21:12,390 --> 00:21:15,810
+الأقيا موجودة، الأقطاع اللي عندك هذه موجودة، أنا
+
+213
+00:21:15,810 --> 00:21:20,150
+مش هبيعها لأنه أياماتها أخصر، الآن في كسات أو لسه
+
+214
+00:21:20,150 --> 00:21:24,410
+مش جاهزة، لكن مصاري هذه، والناس بيبقى أرباحها،
+
+215
+00:21:24,410 --> 00:21:27,930
+بعمل جرد، حساب لكل الموجود، واحد عنده مصنع، واحد
+
+216
+00:21:27,930 --> 00:21:31,510
+عنده منجرة، هد قداش تقليف وقداش في مواد خام، قداش
+
+217
+00:21:31,510 --> 00:21:34,250
+في منتج، قداش مبيوعة ومش مبيوعة وكذا، بالاضافة
+
+218
+00:21:34,250 --> 00:21:39,070
+للسيولي، ده عندهم السيولي، كله بتجمعوبتقدر ..
+
+219
+00:21:39,070 --> 00:21:42,190
+بتقدر فلوس .. المصنع هذا .. مش احنا بتجاه ..
+
+220
+00:21:42,190 --> 00:21:45,290
+المصنع هذا اللي بنقول باسمه مليون دولار يعني ..
+
+221
+00:21:45,290 --> 00:21:49,870
+هذا .. لكن هو على الأرض يعني عبارة عن آلات ومباني
+
+222
+00:21:49,870 --> 00:21:54,350
+وخامات وغير ذلك .. هذا اسمه تقدير .. تنظيف تقديري
+
+223
+00:21:54,910 --> 00:22:02,990
+تنضيق تقدير تحويل البضاعة او الجماد او العروض الى
+
+224
+00:22:02,990 --> 00:22:09,350
+نقود حكما تقديرا يعني حكما و ليس حقيقة انا لما
+
+225
+00:22:09,350 --> 00:22:14,420
+حورتها حقيقة مافيش اسهل منها عملية التوزيعلكن الآن
+
+226
+00:22:14,420 --> 00:22:19,040
+تقديرا بقدر وطبعا التقدير يا اخوة هنا يخضع لمعايير
+
+227
+00:22:19,040 --> 00:22:23,760
+يعني مش بالضرورة ان التقدير يكون بالثمن الحقيقي
+
+228
+00:22:23,760 --> 00:22:28,500
+لان التقدير الان لا ادري ان قدرت اليوم بثمن السوق
+
+229
+00:22:28,500 --> 00:22:36,320
+بكرا السوق يتغيرو لذلك التقديرات بتكون شوية أقل من
+
+230
+00:22:36,320 --> 00:22:41,340
+القيمة الحقيقية يعني البضاعة الموجودة مثلا المنتج
+
+231
+00:22:41,340 --> 00:22:45,840
+الموجود ممكن يسوى ألف دينار انا ممكن اقدره بسبعمية
+
+232
+00:22:45,840 --> 00:22:51,960
+الاحتمالات ايش تقلبات الأسعار وفي أشياء مابتنباعش
+
+233
+00:22:51,960 --> 00:22:57,280
+أشياء ممكن تنجلب أشياء أشياء هكذا هي التقديرات
+
+234
+00:22:57,280 --> 00:23:03,850
+المهم إذا تمت التقديراتبصير بعرف انه انا صار عندي
+
+235
+00:23:03,850 --> 00:23:10,830
+رأس المال زاد ولا مازادش فيه أرباح بصير الأرباح
+
+236
+00:23:10,830 --> 00:23:16,430
+اللي بتزيد عن رأس المال اللي كان موجود هنا تخصم كل
+
+237
+00:23:16,430 --> 00:23:21,390
+ورقي اذا ان انا بعد التقدير اه والله انا مجموعة
+
+238
+00:23:21,390 --> 00:23:24,610
+المدخرات اللي انا أخدتها لأستثمرها بلقت خمسمائة
+
+239
+00:23:24,610 --> 00:23:27,870
+الف دولار اليوم التقديرات تشير إلى ان في عندي
+
+240
+00:23:27,870 --> 00:23:33,200
+ستمائة الف دولارمعناته فيه 100 ألف يلّا نوزّعها
+
+241
+00:23:33,200 --> 00:23:38,780
+إلك نصيب وإلك نصيب وطبعا كل واحد بحسب المدة هنا
+
+242
+00:23:38,780 --> 00:23:44,720
+بعد ذلك تراعى المدة وتراعى القدر ويراعى القدر الذي
+
+243
+00:23:44,720 --> 00:23:52,450
+تم الاستثمار به إذا الخطوة الأخيرة بعدعملية
+
+244
+00:23:52,450 --> 00:23:58,430
+التنظيف هي توزيع الأموال هذه الخطوات التي تتم بها
+
+245
+00:23:58,430 --> 00:24:05,650
+عملية المضاربة المشتركة وبالفعل يلاحظ ان المضاربة
+
+246
+00:24:05,650 --> 00:24:15,490
+المشتركة في عليها علامات استفهام كثير بدء من وجود
+
+247
+00:24:15,490 --> 00:24:19,810
+طرف ثالثفي العادة احنا عندنا في المضاربة اللي
+
+248
+00:24:19,810 --> 00:24:23,110
+بنعرفها قرفين وجه دولة فيها أسهل منها انتوا
+
+249
+00:24:23,110 --> 00:24:28,990
+عجبتواها يا تعين البنوك واحدة انا ماعيش مصاري وانت
+
+250
+00:24:28,990 --> 00:24:33,530
+معاك مصاري خدها عشر تلاف وتجر واتوكل على الله خلصت
+
+251
+00:24:33,530 --> 00:24:36,610
+التجرة طلع هنا خمس تلاف غسلناها والسلام على التابع
+
+252
+00:24:36,610 --> 00:24:40,550
+الهدى انت
+
+253
+00:24:40,550 --> 00:24:47,460
+الآن خششنا في متهاد عشان خاطر ايش؟عشان خاطر يعني
+
+254
+00:24:47,460 --> 00:24:51,340
+تستثمر الأموال ومش عارفين الأحكاية يعني فيها شبهة
+
+255
+00:24:51,340 --> 00:25:00,600
+فيها حلال حرام طيب كما قلت يعني العناصر الجديدة أو
+
+256
+00:25:00,600 --> 00:25:06,520
+الإشكالات الجديدة بدء من أنصر جديد مسألة خلط
+
+257
+00:25:06,520 --> 00:25:13,600
+الأموال المتلاحق هذا اللي احنا خلط الأموال وخلط
+
+258
+00:25:13,600 --> 00:25:20,540
+ماتج المشاريعكله حافظة واحدة والأموال كذلك حافظة
+
+259
+00:25:20,540 --> 00:25:24,960
+واحدة أكتر
+
+260
+00:25:24,960 --> 00:25:25,580
+من ذلك
+
+261
+00:25:28,620 --> 00:25:34,820
+البنك يا اخوة لما انعرض فاكرين هذا ماقلنهاش يعني
+
+262
+00:25:34,820 --> 00:25:39,000
+هناك لكن هنا ربما يجدروا القول بها لما انعرض على
+
+263
+00:25:39,000 --> 00:25:43,160
+أصحاب الأموال كان من ضمن تعالوا أنا مستعد أستثمر
+
+264
+00:25:43,160 --> 00:25:46,840
+إلكوا و قولتلكوا ابعدوا عن الحرام كان بيقولهم و
+
+265
+00:25:46,840 --> 00:25:52,680
+بيقولهم أموال وفيرة أو أرباح وفيرة وثقة و أمان و
+
+266
+00:25:52,680 --> 00:25:54,260
+كمان شغل بيقولهم إياها
+
+267
+00:25:57,160 --> 00:26:04,800
+وهي ضمان رأس المال او
+
+268
+00:26:04,800 --> 00:26:13,080
+يتم الاتفاق عليه ضمان رأس المال يعني ضرب يعني اقول
+
+269
+00:26:13,080 --> 00:26:18,920
+انه ضرب المضاربة في مقتل لان المضاربة العادية
+
+270
+00:26:18,920 --> 00:26:22,120
+قائمة على اساس
+
+271
+00:26:25,300 --> 00:26:31,240
+ماشي يده يده أن لا ضمان قائمة على أساس أن لا ضمان
+
+272
+00:26:31,240 --> 00:26:38,970
+ربحه أو خسارة إذا ربحبجسمه with a fee يعني خسارة
+
+273
+00:26:38,970 --> 00:26:44,150
+على رب المال حتى الخسارة في المضاربة العادية مش ..
+
+274
+00:26:44,150 --> 00:26:47,590
+إيش قلنا المرة اللي فاتت؟ مش على رأس المال؟ طب أنا
+
+275
+00:26:47,590 --> 00:26:54,650
+الآن يا صاحب رأس المال المضارب بقوللي انت ماتخسرش
+
+276
+00:26:54,650 --> 00:27:02,650
+خلاص انا بقى انت ماعليكاش خسارة مافيش خسارةوالأصل
+
+277
+00:27:02,650 --> 00:27:08,830
+في المضاربة أن الخسارة عليا أنا جلبت الميار هل هذا
+
+278
+00:27:08,830 --> 00:27:17,030
+سيقلب الحكم؟ يعني ببساطة الضمان في المضاربة
+
+279
+00:27:17,030 --> 00:27:24,370
+العادية بالمناسبة لو حدث يفسدها وهنا
+
+280
+00:27:24,370 --> 00:27:28,930
+في المضاربة المشتركة المضاربة القائمة عليه
+
+281
+00:27:32,030 --> 00:27:36,750
+طيب إذا أصبحت نقاط عدة خلّينا من خلالها نحاول
+
+282
+00:27:36,750 --> 00:27:44,570
+نتعرف على أهم الفروق وبرضه الفروق أو الوجوه
+
+283
+00:27:44,570 --> 00:27:51,670
+المقارنة هي من باب تجلية وتوضيح الصورة أكتر وأكتر
+
+284
+00:27:51,670 --> 00:27:57,130
+إلى ما قبل البدء في الحديث عن الحكميمكن احنا من
+
+285
+00:27:57,130 --> 00:28:00,870
+خلال الخطوات و بعض العناصر اللي أشارنا اليها
+
+286
+00:28:00,870 --> 00:28:06,630
+الجديدة على أثر الخطوات بدأت تلوح ملامح الوجوه
+
+287
+00:28:06,630 --> 00:28:11,570
+المقارنة و احنا لما نقول مقارنة يعني وجوه اتفاق و
+
+288
+00:28:11,570 --> 00:28:18,150
+وجوه اختلاف احنا حقيقة يمكن أمامنا في وجوه اتفاق
+
+289
+00:28:18,150 --> 00:28:23,230
+او وجوه اختلاف فقط او لكن حقيقة يا اخوة انا ادعي
+
+290
+00:28:23,230 --> 00:28:29,110
+ان نتمة وجوه اتفاقوجوه اتفاق في وجوه اختلاف لا شك
+
+291
+00:28:29,110 --> 00:28:36,090
+سنذكرها لكن قبل وجوه الافتراق احنا اللي بيهمنا
+
+292
+00:28:36,090 --> 00:28:39,810
+اكتر حقيقة وجوه الاختلاف لان وجوه الاختلاف هي اللي
+
+293
+00:28:39,810 --> 00:28:46,050
+هيكون لها اثر على الحكم اما وجوه الاتفاق يعني فهذه
+
+294
+00:28:46,050 --> 00:28:49,850
+تساعدوا على تأكيد المشروعية
+
+295
+00:30:33,620 --> 00:30:39,160
+الله يصلي على سيدنا محمد طيب
+
+296
+00:30:39,160 --> 00:30:46,440
+انا قبل ان اشير الى وجوه الاختلاف من يتلمس لي بعض
+
+297
+00:30:46,440 --> 00:30:49,440
+وجوه الاتفاق فضل
+
+298
+00:31:13,300 --> 00:31:19,940
+رأس المال و الأطراف يعني الأساسية أصحاب رأس المال
+
+299
+00:31:22,000 --> 00:31:25,420
+نعم .. اه .. لأ احنا خلينا في الجوانب ال .. ال ..
+
+300
+00:31:25,420 --> 00:31:29,300
+ال .. يتفق .. تتفق المضاربة العادية و المضاربة
+
+301
+00:31:29,300 --> 00:31:34,060
+العادية في أن .. في وجود .. في أن .. في .. أن
+
+302
+00:31:34,060 --> 00:31:41,880
+العملية تتم باشتراك رأس المال و الجهد، ماشي الحال،
+
+303
+00:31:41,880 --> 00:31:45,100
+طبعا في طرف وسيط، لكن هناك مش طرف وسيط، ماشي
+
+304
+00:31:45,100 --> 00:31:47,620
+الحال، نعم
+
+305
+00:31:51,510 --> 00:31:55,510
+لأ، مافيش خلط، في المضاربة العادية مافيش خلط، ليه؟
+
+306
+00:31:55,510 --> 00:31:59,650
+لإن هو .. إيش تخلط؟ تخلط مال الفرد بنفسه، مافي
+
+307
+00:31:59,650 --> 00:32:04,570
+خلط، الخلط المقصود بيه مال الفرد بفرد آخر، مافي
+
+308
+00:32:04,570 --> 00:32:07,350
+خلط، لإن هو كله واحد، نعم
+
+309
+00:32:12,970 --> 00:32:17,470
+لأ احنا خشينا بالاختلاف اللي بنقول هل لازال هناك
+
+310
+00:32:17,470 --> 00:32:24,210
+وجود اتفاق نعم جيد
+
+311
+00:32:24,210 --> 00:32:29,650
+جيد حقيقة احنا ذكرنا المرة اللي فاتت من شروطرأس
+
+312
+00:32:29,650 --> 00:32:35,050
+المال في المضاربة أن يكون المال نقدا وليس عروضا
+
+313
+00:32:35,050 --> 00:32:40,930
+ولا بضاعة وكذلك هنا البنك لا يقبل إلا يعني في
+
+314
+00:32:40,930 --> 00:32:43,090
+المضاربة المشتركة قد يعتبر نعم
+
+315
+00:32:49,280 --> 00:32:53,940
+المضارب هو لأ
+
+316
+00:32:53,940 --> 00:32:58,380
+ممكن يكون العكس مش في الضرورة لكن ممكن نقول انه
+
+317
+00:32:58,380 --> 00:33:06,160
+يعني يا اخوة المضاربة العادية تمثل جزء او محطة
+
+318
+00:33:06,160 --> 00:33:15,880
+رئيسية في المضاربة المشتركة سواء في العرض الاول او
+
+319
+00:33:15,880 --> 00:33:20,710
+العرض الثانيالعرض الأول عبارة عن مضاربة، ولا لا؟
+
+320
+00:33:20,710 --> 00:33:26,650
+بين صاحب بالمضارب، متمثل في البنك، وبين أصحاب
+
+321
+00:33:26,650 --> 00:33:33,390
+الأموال، بغض النظر عن إنه وقت إيش بدأ، وهذه
+
+322
+00:33:33,390 --> 00:33:39,640
+مضاربة، والمضاربة الثانية متمثلة على البنكمع أصحاب
+
+323
+00:33:39,640 --> 00:33:44,840
+ك .. ك .. ك .. ك .. صاحب مال مع مين؟ مع أصحاب
+
+324
+00:33:44,840 --> 00:33:51,900
+التجارات والاصطناعات وإذا يعني فدعني أقول يعني و
+
+325
+00:33:51,900 --> 00:33:55,240
+هذا يمكن أهم وجه من وجهه الاتفاق أن المضاربة
+
+326
+00:33:55,240 --> 00:34:01,180
+العادية حاضرة بجلاء في المضاربة المشتركة و في
+
+327
+00:34:01,180 --> 00:34:03,600
+مرحلتين
+
+328
+00:34:05,920 --> 00:34:10,900
+وإن كان وجه الإختلاف بينهم أن هناك ارتباط بين
+
+329
+00:34:10,900 --> 00:34:14,540
+المرحلتين لكن هنا مرحلة واحدة أو مستقلة بتاعة
+
+330
+00:34:18,290 --> 00:34:22,670
+ما هو ذكره؟ طيب يعني احنا بالفعل استعرضنا وجوه
+
+331
+00:34:22,670 --> 00:34:28,530
+كثيرة من وجوه الاتفاق ومنها يمكن أن نستخلص وجوها
+
+332
+00:34:28,530 --> 00:34:34,230
+الاختلاف منها ومن غيرها تعالوا نشوف وجوه الاختلاف
+
+333
+00:34:34,230 --> 00:34:40,770
+طبعا هناك كما قلنا دائما أو كما نقول دائما وجوه
+
+334
+00:34:40,770 --> 00:34:43,310
+الاختلاف بعضها شكلي وبعضها
+
+335
+00:34:45,260 --> 00:34:50,160
+جوهري في المضمون في النخاع الشكلي او هنا ثلاثة و
+
+336
+00:34:50,160 --> 00:34:56,700
+هنا اثنين هنا ثلاثة اطراف و بتفرع منهم كل طرف
+
+337
+00:34:56,700 --> 00:35:03,880
+اطراف عديدة و هنا طرفين لا ثالثة لهما الاختلاف
+
+338
+00:35:03,880 --> 00:35:09,780
+كمان الشكلي هذه مضاربة نقطة هذه مضاربة مشتركة ممكن
+
+339
+00:35:09,780 --> 00:35:16,750
+اختلاف في الاسمبرضه نعتبر اختلاف، لكن خلّينا نشوف
+
+340
+00:35:16,750 --> 00:35:22,010
+اختلافات في المضمون، في الجوهر، اللي ممكن يكون لها
+
+341
+00:35:22,010 --> 00:35:27,370
+أثر زي ما جال أخونا يا سين على الحكمأولا الخلط
+
+342
+00:35:27,370 --> 00:35:33,110
+الخلط الأموال هنا خلط والخلط يؤدي إلى اضطراب
+
+343
+00:35:33,110 --> 00:35:38,770
+وارتباك وعدم قدرة على دقة الحساب وبالمناسبة يا
+
+344
+00:35:38,770 --> 00:35:43,210
+إخوة في مسألة الحقوق والأرباح الأصل انه كما يقول
+
+345
+00:35:43,210 --> 00:35:50,890
+المثل الكرم أو الحجب الدرهم والكرم بالدنطار الحقوق
+
+346
+00:35:50,890 --> 00:35:52,930
+والحسابات بالملين
+
+347
+00:35:55,550 --> 00:36:00,190
+مافيش فيها بيمش وتقريب ومش تقريب ومسامح ومش مسامح
+
+348
+00:36:00,190 --> 00:36:08,130
+لأعملية الخلط هذه ستربك عملية الدقة في الحسابات
+
+349
+00:36:08,130 --> 00:36:13,270
+لأن هذا خلط متلاحق مش بس خلط في أن واحد يمكن أجيله
+
+350
+00:36:13,270 --> 00:36:17,410
+طريقة في الحساب لكن خلط متلاحق خلط أول مرة و في
+
+351
+00:36:17,410 --> 00:36:20,170
+الشهر الثاني و في الشهر الثالث و في الشهر الرابع و
+
+352
+00:36:20,170 --> 00:36:23,390
+خلط من جهة المشاريع مرة الشهر الأول في السنة عملنا
+
+353
+00:36:23,390 --> 00:36:26,090
+مشروع كذا و الشهر الثاني في السنة عملنا مشروع جديد
+
+354
+00:36:26,090 --> 00:36:31,280
+و مش عارفين الفلوس هدولة اشتغلين متى و وينعملية
+
+355
+00:36:31,280 --> 00:36:38,880
+خلط قد .. قد يترتب عليها أو عنها عدم عدالة في
+
+356
+00:36:38,880 --> 00:36:44,660
+توزيع الأرباح بناء على رؤوس الأموال المدفوعة طيب،
+
+357
+00:36:44,660 --> 00:36:49,480
+شيء آخر، من الفوق، هذا فرق، ثمارة مدى التأثير،
+
+358
+00:36:49,480 --> 00:36:53,820
+نعم؟ بمان
+
+359
+00:36:53,820 --> 00:37:01,760
+رأس المال، وما ذكرناه قبل قليلضمان في المباربة
+
+360
+00:37:01,760 --> 00:37:07,680
+المشتركة رأسه المالي مضمون البنك بيقوله انت تربح
+
+361
+00:37:07,680 --> 00:37:13,280
+ماتخسرش وقت ما بدك المصاريك اتفضل اخر السنة اتفضل
+
+362
+00:37:13,280 --> 00:37:17,640
+و ربحها فوقها لو اثناء السنة اذا قدرت برجلك يهن
+
+363
+00:37:17,640 --> 00:37:22,420
+بدون مربح ممكن كمان الا حسب اتفاقات معينة ماخسر
+
+364
+00:37:22,420 --> 00:37:30,340
+مافيلكن هناك أمر طبعا مختلف تماما، الخسارة على رب
+
+365
+00:37:30,340 --> 00:37:33,980
+المال، الربح مشترك نعم، لكن الخسارة على رب المال،
+
+366
+00:37:33,980 --> 00:37:37,860
+ثالثا او رابعا، نعم الشركة أو المضاربة المشتركة
+
+367
+00:37:37,860 --> 00:37:41,480
+لها فرقة استمرارية، لتاني الواقف، لكن الفردية
+
+368
+00:37:41,480 --> 00:37:47,050
+بتنتهي بالصفقة أو بال .. يعني يا أخوة لاحظواكل أو
+
+369
+00:37:47,050 --> 00:37:53,130
+معظم المعاملات
+
+370
+00:37:53,130 --> 00:37:56,490
+المستحدثة لدى البنوك يعني المشاركة المنتهية
+
+371
+00:37:56,490 --> 00:38:01,310
+بالتمليك الإجارة المنتهية بالتمليك كان شرط أو
+
+372
+00:38:01,310 --> 00:38:07,490
+الخصية اللى فيها ايه التوقيتتوقيت، بعد خمس سنين،
+
+373
+00:38:07,490 --> 00:38:14,210
+بعد عشر سنين، الموقف موقف، لكن المضاربة المشتركة
+
+374
+00:38:14,210 --> 00:38:18,590
+مبنية على الاستمرارية، واحد يقول لي كيف مبنية على
+
+375
+00:38:18,590 --> 00:38:23,470
+الاستمرارية، وانا ممكن بعد سنة أاخدفلوسي و اروح
+
+376
+00:38:23,470 --> 00:38:30,030
+انت بتاخد و بتروح لكن الشركة مستمرة في عشرين خمسين
+
+377
+00:38:30,030 --> 00:38:35,090
+ميت واحد لسه مشاركين و مستمرة الشركة .. الشركة
+
+378
+00:38:35,090 --> 00:38:40,550
+المضاربة المشتركة قائمة على الاستمرار يعني ان سحب
+
+379
+00:38:40,550 --> 00:38:47,690
+مين ما انسحب تبقى مستمرة بيجي غيرك او ضاير غيركلكن
+
+380
+00:38:47,690 --> 00:38:54,990
+هناك في المدارمة العادية انسحت ثرف خلص انتهت انتهت
+
+381
+00:38:54,990 --> 00:38:59,270
+الصفقة خلصت التجارة انتهت صار اختلاف وفكوا بينهم
+
+382
+00:38:59,270 --> 00:39:05,050
+انتهت تنتهي ليس قايمة الاستمرارية هذه قايمة خلص
+
+383
+00:39:05,050 --> 00:39:11,510
+مشروع لدى البنك على طول حطه في مخه بدأ فيه وظل
+
+384
+00:39:11,510 --> 00:39:17,120
+داعس مشاريع هذه شغالة ايش يوقفها؟إذا بدت تقرأ
+
+385
+00:39:17,120 --> 00:39:22,600
+بديار البنك والمودعين، بغض
+
+386
+00:39:22,600 --> 00:39:27,860
+النظر عن تغير وجوه المستثمرين وأصحاب الأموال، أما
+
+387
+00:39:27,860 --> 00:39:30,880
+من حيث الحكم، نتركه للمرة القادمة، شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/SuOJ5cBjPb8.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/SuOJ5cBjPb8.srt
new file mode 100644
index 0000000000000000000000000000000000000000..8a203bf4d1e36e9e38536b6a516e22df17f3f629
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/SuOJ5cBjPb8.srt
@@ -0,0 +1,1148 @@
+
+1
+00:00:21,410 --> 00:00:27,370
+الحمد لله والصلاة والسلام على رسول الله وعلى آله
+
+2
+00:00:27,370 --> 00:00:31,190
+وصحبه ومن اهتدى بهديه واتبع سنته إلى يوم الدين
+
+3
+00:00:31,190 --> 00:00:38,950
+وبعد، بعد ما .. بعد أن انتهينا من الحديث عن الخلو
+
+4
+00:00:38,950 --> 00:00:45,770
+أو بدل الخلو وما يتعلق به من أحكام، ننتقل إلى مسألة
+
+5
+00:00:45,770 --> 00:00:49,430
+ومعاملة
+
+6
+00:00:49,430 --> 00:00:51,010
+معاصرة
+
+7
+00:00:52,970 --> 00:00:58,110
+جديدة تكاد
+
+8
+00:00:58,110 --> 00:01:02,670
+تكون معروفة
+
+9
+00:01:02,670 --> 00:01:12,550
+اليوم لدى الناس جميعا، ليس معروفة فقط بل لا يكاد
+
+10
+00:01:12,550 --> 00:01:21,340
+بيت ربما أو فرد حتى أو منشأة أو مؤسسة لا تتعامل بها
+
+11
+00:01:21,340 --> 00:01:27,700
+لأننا كاد نجد مؤسسة لا تتعامل بها، فما هي هذه المعاملة
+
+12
+00:01:27,700 --> 00:01:34,320
+منتشرة في البلدان جميعا، منتشرة بين الناس، منتشرة
+
+13
+00:01:34,320 --> 00:01:41,160
+على صعيد المؤسسات، مُعتمدة من قبل الحكومات
+
+14
+00:01:43,460 --> 00:01:51,160
+بل أكثر من ذلك، أنها أصبحت شرطا لكثير من التعاملات
+
+15
+00:01:51,160 --> 00:01:54,240
+شرطا
+
+16
+00:01:54,240 --> 00:02:05,680
+لكثير من التسهيلات، للمعاملات المتعددة في حياة
+
+17
+00:02:05,680 --> 00:02:10,460
+الناس، هذه المعاملة
+
+18
+00:02:10,460 --> 00:02:16,900
+هي ما يُعرف أو ما تُسمى بالتأمين أو عقد التأمين
+
+19
+00:02:16,900 --> 00:02:27,280
+ماذا يُقصد بعقد التأمين؟ في اللغة؟ في الاصطلاح؟
+
+20
+00:02:27,280 --> 00:02:32,040
+متى نشأ هذا العقد؟
+
+21
+00:02:32,040 --> 00:02:39,940
+ما هي أنواعه؟ وما هي الأحكام المتعلقة بكل نوع من
+
+22
+00:02:39,940 --> 00:02:46,660
+هذه الأنواع؟ حيث سنرى أن التأمين له أنواع متعددة
+
+23
+00:02:46,660 --> 00:02:54,280
+هذا ما سنحاول إن شاء الله أن نتحدث فيه اليوم، وربما
+
+24
+00:02:54,280 --> 00:03:01,280
+في محاضرة لاحقة أيضا، بداية
+
+25
+00:03:01,280 --> 00:03:08,250
+أيها الأخوة الكرام، نريد التأكيد على أن عقد التأمين
+
+26
+00:03:08,250 --> 00:03:15,350
+بالفعل يُعتبر من المعاملات أو من القضايا المعاصرة
+
+27
+00:03:15,350 --> 00:03:21,230
+وربما تعود
+
+28
+00:03:21,230 --> 00:03:28,110
+بدايات ظهوره كعقد متعلق ب
+
+29
+00:03:32,770 --> 00:03:37,450
+بالمنقولات وبالموجودات وبسُلع وإلى غير ذلك، ربما
+
+30
+00:03:37,450 --> 00:03:44,330
+يعود إلى نحو من 200 عام، حوالي قبل 200 عام
+
+31
+00:03:44,330 --> 00:03:53,390
+يعني وفق هذا التصور، يتأكد لنا أن التأمين عقد معاصر
+
+32
+00:03:53,390 --> 00:03:59,320
+إحنا لما نقول عقد معاصر، مش بالضرورة ابن السنة أو
+
+33
+00:03:59,320 --> 00:04:03,560
+ابن العشر سنين، هدول أو .. لأ، يعني المقصود لم
+
+34
+00:04:03,560 --> 00:04:09,060
+يعرفه علماؤنا القدامى في القرن الأول والثاني
+
+35
+00:04:09,060 --> 00:04:12,560
+والثالث والرابع والخامس والسادس والسابع الهجري
+
+36
+00:04:12,560 --> 00:04:19,840
+وهكذا، بل عرفوه متأخرا، المعاصرون هم الذين عرفوه
+
+37
+00:04:19,840 --> 00:04:22,500
+الدليل على أنه متأخر
+
+38
+00:04:25,020 --> 00:04:32,020
+أننا لم نجد في كتب الفقه القديم شيئا عن التأمين
+
+39
+00:04:32,020 --> 00:04:45,540
+وأول من .. من تحدث عن عقد التأمين هو العالم الفقيه
+
+40
+00:04:45,540 --> 00:04:52,080
+الحنفي محمد ابن عبدين، حوالي
+
+41
+00:04:52,080 --> 00:05:00,450
+قبل 200 عام، هذه إشارة دلّتنا على أنه عقد معاصر
+
+42
+00:05:00,450 --> 00:05:06,930
+أو عقد جديد، قبل هيك لم يكن .. لم يتحدث أحد، وما كان
+
+43
+00:05:06,930 --> 00:05:17,270
+للعلماء أن يتركوا قضية وجدوها دون أن يبينوا حكمها
+
+44
+00:05:18,800 --> 00:05:22,480
+واحد يقول يمكن كانت معروفة وما بينوهاش، لأ هذا غير
+
+45
+00:05:22,480 --> 00:05:30,580
+مقبول وغير متصور، لو وجدت القضية قبل ذلك لـ لـ
+
+46
+00:05:30,580 --> 00:05:33,560
+لبين علماؤنا حكمها
+
+47
+00:05:36,350 --> 00:05:41,470
+لقد بلغ بعلمائنا من العلم أن يبينوا، أن لا يقتصروا على
+
+48
+00:05:41,470 --> 00:05:48,090
+بيان الأحكام الموجودة فقط، بل منهم من كان يفترض
+
+49
+00:05:48,090 --> 00:05:54,090
+أحيانا أحكاما، فكيف نتصور أن يتركوا بيان حكم لمسألة
+
+50
+00:05:54,090 --> 00:06:01,270
+موجودة؟ لكن لما وجدت خاصة في بلاد المسلمين، يمكن هذا
+
+51
+00:06:01,270 --> 00:06:06,210
+يا أخوة، قبل 200 عام وجدت عند المسلمين هذه المعاملة
+
+52
+00:06:06,210 --> 00:06:11,770
+لكن قبل ذلك ربما وجدت عند غير المسلمين قبل هذا
+
+53
+00:06:11,770 --> 00:06:16,390
+الزمان، في أوروبا وغير أوروبا، ربما وجدت معاملة
+
+54
+00:06:16,390 --> 00:06:26,670
+التأمين، ولكن على غير هيئة أو يعني بشكل مبسط أو في بعض
+
+55
+00:06:26,670 --> 00:06:33,700
+المجالات دون .. دون بعض، لكن أول وجود لها يعني في
+
+56
+00:06:33,700 --> 00:06:41,200
+بلاد المسلمين كان كما قلت قبل نحو من 200 عام، و
+
+57
+00:06:41,200 --> 00:06:47,640
+عندها بدأ علماء المسلمين يوضحون للناس أحكام
+
+58
+00:06:47,640 --> 00:06:52,060
+التأمين، لأ أريد أن أستبق الحدث هنا وأقول ماذا
+
+59
+00:06:52,060 --> 00:06:57,460
+قال علماء القدامى حول حكم التأمين يومها، وماذا
+
+60
+00:06:57,460 --> 00:07:02,140
+يقولون اليوم، لكن أنا عاوز أسأل يا أخوة قبل أن أبدأ
+
+61
+00:07:02,140 --> 00:07:09,900
+أو أن يعني أبدأ في الحديث بالتعريف والتقسيم
+
+62
+00:07:09,900 --> 00:07:18,720
+أريد أن أقول، عقد التأمين حقيقة يعني كما قلت قبل
+
+63
+00:07:18,720 --> 00:07:24,420
+قليل، عقد انتشر، انتشر واسعا في البلاد وبين العباد
+
+64
+00:07:25,410 --> 00:07:29,430
+وهذا إن دل على شيء فإنما يدل على أنه يحقق مصالح
+
+65
+00:07:29,430 --> 00:07:38,730
+للناس، وأنهم لم يعودوا يستغنوا عنه، إلى حد ما أصبح
+
+66
+00:07:38,730 --> 00:07:43,790
+له قبول طيب
+
+67
+00:07:43,790 --> 00:07:48,830
+قبل ذلك لم يكن معروفا في بلاد المسلمين، لم يكن
+
+68
+00:07:48,830 --> 00:07:57,950
+معروفا في بلاد المسلمين، هل عدم معرفته أو عدم وجوده
+
+69
+00:07:57,950 --> 00:08:10,270
+في بلاد المسلمين يعني كان يعكسه مظهرا سلبيا؟ إحنا
+
+70
+00:08:10,270 --> 00:08:15,230
+قاعدين بنقول إن التأمين واضح، على الأقل من حيث
+
+71
+00:08:15,230 --> 00:08:23,570
+المبدأ أو من حيث الجملة أنه إيجابي، وتتحقق معه أهداف
+
+72
+00:08:23,570 --> 00:08:31,290
+متعددة، التكافل، إنقاذ الناس من الكوارث في بعض
+
+73
+00:08:31,290 --> 00:08:37,330
+الأحيان، ادخار الأموال، إلى غير ذلك، هناك حقيقة
+
+74
+00:08:37,330 --> 00:08:43,870
+مصالح وأهداف تتحقق من وراء عقود التأمين، تسهيل
+
+75
+00:08:43,870 --> 00:08:49,190
+المعاملات، ولذلك تلقّته أو تلقّاه الناس يعني إلى حد
+
+76
+00:08:49,190 --> 00:08:55,520
+كبير بالقبول، لم يُعرف كما قلنا قبل قليل التأمين في
+
+77
+00:08:55,520 --> 00:09:03,020
+بلاد المسلمين إلا حديثا، يعني على مدار ثلاثة عشر قرنا
+
+78
+00:09:03,020 --> 00:09:08,000
+ما كانش فيه حاجة اسمها تأمين، هل
+
+79
+00:09:08,000 --> 00:09:14,240
+كمان مرة بقول، هل هذا يعكس مظهرا إيجابيا سلبيا عند
+
+80
+00:09:14,240 --> 00:09:20,280
+المسلمين؟ ولا .. يعني، وفيها كان عندهم نقص في هذا
+
+81
+00:09:20,280 --> 00:09:26,000
+الجانب؟ ولا .. ولا هم أظهروا إيجابيا يعني أنه ما يكونش
+
+82
+00:09:26,000 --> 00:09:30,100
+فيه تأمين ولا .. ما تعليقكم يا ترى؟ من لديه تعليق
+
+83
+00:09:30,100 --> 00:09:36,280
+على هذا التساؤل؟
+
+84
+00:09:36,280 --> 00:09:40,920
+طيب
+
+85
+00:09:40,920 --> 00:09:42,620
+أنا أسأل السؤال بطريقة أخرى
+
+86
+00:09:45,210 --> 00:09:49,990
+إذا سلمنا أنه لم يكن ثمّ عقود تأمين عند المسلمين
+
+87
+00:09:49,990 --> 00:10:00,010
+فما العلة؟ لماذا؟ لماذا لم نرى انتشار ووجود عقود
+
+88
+00:10:00,010 --> 00:10:08,090
+التأمين في بلاد المسلمين إلا حديثا، أما على مدار
+
+89
+00:10:08,090 --> 00:10:14,410
+يعني الدول .. دول الخلافة المتعاقبة، لم نجد حكومة
+
+90
+00:10:14,410 --> 00:10:21,470
+.. لم نجد عقد التأمين، مع أنه يعني كما قلت ربما
+
+91
+00:10:21,470 --> 00:10:25,710
+يحقق مصالح، ما .. ما السبب؟ فضلا
+
+92
+00:10:33,910 --> 00:10:36,730
+لكن لو صارت مشكلة أو حاجة كان بيتحكم فيها عند الخديوي
+
+93
+00:10:36,730 --> 00:10:43,770
+ولكن لما انتهت تلاقيه صار فيه عقد تأمين هو
+
+94
+00:10:43,770 --> 00:10:49,170
+طبعا يا أخوة، صار في أخونا أجاب بطريقة مبنية على
+
+95
+00:10:49,170 --> 00:10:56,350
+فهم يعني ليس دقيقا، لعقد التأمين، عقد التأمين يعني
+
+96
+00:10:56,350 --> 00:11:03,110
+له علاقة بالأمن صحيح، لكن ليس هو المقصود، ليس المقصود
+
+97
+00:11:03,110 --> 00:11:06,590
+من عقد التأمين الأمن والأمان، الأمن اللي هو ضد
+
+98
+00:11:06,590 --> 00:11:14,850
+الخوف، لأ، عقد التأمين يعني عقد يتم بين طرفين على أن
+
+99
+00:11:14,850 --> 00:11:23,430
+يدفع أحد الطرفين للآخر مبلغا من المال مقابل أنه
+
+100
+00:11:23,430 --> 00:11:29,700
+إذا وقع في كارثة معينة مُسماة، فإنه يعوّضه عن هذا
+
+101
+00:11:29,700 --> 00:11:34,300
+الحدث، يعني هذا المفهوم عقد التأمين الذي يتم كما
+
+102
+00:11:34,300 --> 00:11:41,080
+إحنا الآن بنروح نعمل تأمين للسيارة مقابل ماذا؟ أنه
+
+103
+00:11:41,080 --> 00:11:46,590
+لو صار أو جرى، صار عندي قدر الله حادث، التأمين شركة
+
+104
+00:11:46,590 --> 00:11:50,690
+التأمين تقوم بتعويضي عن هذا الحدث، يعني بدل ما أنا
+
+105
+00:11:50,690 --> 00:11:55,570
+اللي أتكفل بالدفع، شركة التأمين اللي هتتكفل بالدفع
+
+106
+00:11:55,570 --> 00:12:00,610
+و بالتعويض، وقعد عنده محل تجاري ومؤمن عليه، تم
+
+107
+00:12:00,610 --> 00:12:06,390
+حرقه أو سرقته أو إلى غير ذلك، شركة إذا كان مؤمن
+
+108
+00:12:06,390 --> 00:12:15,150
+بمقتضى عقد التأمين، يتم تعويضه عن خسائره التي حدثت
+
+109
+00:12:15,150 --> 00:12:19,730
+وهكذا، هذا هو المقصود، يعني هو فيه هنا، ولذلك أنا قلت
+
+110
+00:12:19,730 --> 00:12:23,990
+في البداية، عقد التأمين هو شكل من أشكال التكافل
+
+111
+00:12:23,990 --> 00:12:30,770
+وشكل من أشكال تحقيق المصلحة، وشكل من أشكال يعني
+
+112
+00:12:30,770 --> 00:12:37,590
+إنقاذ الناس من مصائبهم ومن الكوارث ربما والحوادث
+
+113
+00:12:37,590 --> 00:12:42,850
+التي يتعرضون لها، هدف الجملة، لكن يعني ثمّ التفاصيل
+
+114
+00:12:42,850 --> 00:12:48,250
+ربما تجعل عقد التأمين محل نظر شرعي هنا أو هناك
+
+115
+00:12:48,250 --> 00:12:51,830
+هذا مثلا، وحاول بيانه، لكن هدف الجملة، بنرجع لسؤالنا
+
+116
+00:12:52,300 --> 00:12:57,080
+إذا، ماذا يمكن أن يُقال؟ نعم؟ في آية في القرآن
+
+117
+00:12:57,080 --> 00:13:01,480
+الكريم، ونحن المسلمون الذين شرع لهم أن يسمعوا كلام
+
+118
+00:13:01,480 --> 00:13:05,560
+الله، كانت هناك دلالة تعمل في كل عام هيقضع المهدد،
+
+119
+00:13:05,560 --> 00:13:09,500
+لكن في عصر الإسلام أو في الطب الإسلامي، ما كانش
+
+120
+00:13:09,500 --> 00:13:12,600
+التعامل عامل من طرف الحالة، بسبب يعني عدة أسباب،
+
+121
+00:13:12,600 --> 00:13:13,680
+كده في كل دماغ الوطنية
+
+122
+00:13:18,620 --> 00:13:23,160
+كان موجود يعني، ما يُعرف ببيت مال المسلمين، فكان
+
+123
+00:13:23,160 --> 00:13:27,020
+هذا يقفل في كل موارد المسلمين، يعني في ذات المجتمع،
+
+124
+00:13:27,020 --> 00:13:31,600
+وفي حق الإرث، يعني إذا كان الشخص في ورطة مالية،
+
+125
+00:13:31,600 --> 00:13:35,000
+فماله له، و ليس له، فهو للمسلمين
+
+126
+00:13:35,000 --> 00:13:40,240
+بشكل عام، أحسن، هذا كلام جميل، بس ده في أي تعقيب
+
+127
+00:13:40,240 --> 00:13:43,200
+آخر؟ الحقيقة، الصدقة يوم تطلب نسبة جامعة، مثل
+
+128
+00:13:43,200 --> 00:13:46,380
+زمان، مش في شركة، مش سيارات، يوم الشخص بيأمل على
+
+129
+00:13:46,380 --> 00:13:51,640
+شركة، الشخص بيأمل على سيارة معينة، يعني ظروف الحياة
+
+130
+00:13:51,640 --> 00:13:57,680
+..ظروف المستجدات ..يعني هي التي ..يعني لم يكن له
+
+131
+00:13:57,680 --> 00:14:03,340
+..لم تكن حاجة لوجود عقود التأمين في القرون السابقة
+
+132
+00:14:03,340 --> 00:14:07,680
+كيف
+
+133
+00:14:07,680 --> 00:14:14,760
+كان موجود؟ زي ما حكى محمد
+
+134
+00:14:19,730 --> 00:14:23,410
+المسلمين كانوا عايشين في تلك الفترة في نظام يقول، عقد
+
+135
+00:14:23,410 --> 00:14:28,290
+التأمين الكبير، إن الخليفة، إذا واحد ضغط أو شيء
+
+136
+00:14:28,290 --> 00:14:28,670
+بعوضه
+
+137
+00:14:31,640 --> 00:14:35,220
+صاروا شيء، كلهم بيدخلوا معاه، كلهم بعوضوه، فكان يعني
+
+138
+00:14:35,220 --> 00:14:40,120
+مثلا، عقد التأمين جميل، زي عبد الله، حقيقة يا أخوة
+
+139
+00:14:40,120 --> 00:14:45,300
+بالفعل، يعني ما أجاب به الأخوة كلام جميل وصحيح يعني
+
+140
+00:14:45,300 --> 00:14:51,100
+وأنا أستطيع أن أقول أن عدم وجود عقد التأمين على
+
+141
+00:14:51,100 --> 00:14:55,900
+مدار تلك القرون ليس بالضرورة أن يكون مظهرا سلبيا
+
+142
+00:14:56,630 --> 00:15:03,670
+عدم وجود أو انتشار عقد التأمين على مدار السنين في
+
+143
+00:15:03,670 --> 00:15:08,770
+زمن الخلافة المتعاقبة أو الخلافات المتعاقبة، ليس
+
+144
+00:15:08,770 --> 00:15:14,950
+بضرورة أن يكون أمرا سلبيا، ذلك أن شريعة الإسلام
+
+145
+00:15:14,950 --> 00:15:25,430
+بالفعل هي التأمين الأكبر لعامة الناس، لعامة الناس
+
+146
+00:15:25,430 --> 00:15:32,150
+هذه الشريعة بما اجتمعت عليه من أحكام، لو نظرنا
+
+147
+00:15:32,150 --> 00:15:39,990
+إليها، سنجد أنها تؤمن الناس على كل مقتضيات حياتهم
+
+148
+00:15:39,990 --> 00:15:46,540
+على كل شؤون حياتهم، بدءا من حياة الإنسان وماله و
+
+149
+00:15:46,540 --> 00:15:53,580
+عرضه و .. و .. و .. و .. و تضمن حرية تنقله وسفره وإلى غير ذلك، فالإسلام يعني هو الـ .. هو
+
+150
+00:15:53,580 --> 00:16:00,680
+التأمين الشامل والكامل الذي يعطي كل الناس حقوقهم
+
+151
+00:16:00,680 --> 00:16:09,020
+وفي حالة ما إذا وقع الإنسان في مصاب أو كارثة أو
+
+152
+00:16:09,020 --> 00:16:16,700
+حادثة، فإن دولة الإسلام لا تترك أحدا دون أن تمد يد
+
+153
+00:16:16,700 --> 00:16:24,000
+العون له بطريقة أو بأخرى، بطريقة أو بأخرى، يعني انظروا
+
+154
+00:16:24,000 --> 00:16:31,070
+.. انظروا عمر بن الخطاب رضي الله عنه عندما كان
+
+155
+00:16:31,070 --> 00:16:37,230
+يقول، والله لو أن بغلة في أرض العراق عثرت، لا خشيت
+
+156
+00:16:37,230 --> 00:16:44,510
+أن يسألني الله عنها، يعني هو يؤمن لها .. لها الطريق، و
+
+157
+00:16:44,510 --> 00:16:51,890
+كأنه يريد أن يقول، وعلى ذلك لو طالبني صاحبها
+
+158
+00:16:51,890 --> 00:17:01,430
+بتعويض بسبب تعثرها، من أجل أن الطريق ليس ممهدا
+
+159
+00:17:01,430 --> 00:17:08,530
+لأعطيتُه، لأنه أنا مسؤول عن رصف أو سفلتة أو تمهيد
+
+160
+00:17:08,530 --> 00:17:15,790
+الطريق، عندما نجد أن الإسلام
+
+162
+00:17:22,540 --> 00:17:32,060
+يُطالب الأغنياء، يُطالب الأغنياء بأن يُخرجُوا جزءا من
+
+163
+00:17:32,060 --> 00:17:38,160
+أموالهم، بأن يأخذ جزءا من أموالهم فريضة، فريضة، لتُوزّع
+
+164
+00:17:38,160 --> 00:17:44,140
+على المحتاجين والفقراء، إنما الصدقات للفقراء
+
+165
+00:17:44,140 --> 00:17:49,680
+والمساكين، والصدقات، مش صدقات يعني أنت على كيفك
+
+166
+00:17:49,680 --> 00:17:55,090
+مفروضة، إنما الصدقات للفقراء والمساكين والعمالين
+
+167
+00:17:55,090 --> 00:17:59,130
+عليها والمؤلفة قلوبهم، والمقاتلين، إلى أن قال فريضة من
+
+168
+00:17:59,130 --> 00:18:08,080
+الله، فريضة من الله، مفروضة، فرض، على أغنياء المسلمين
+
+169
+00:18:08,080 --> 00:18:13,620
+أن يخرجوا جزءا من أموالهم، يُسلموه أو يُدفعوه لبيت مال
+
+170
+00:18:13,620 --> 00:18:19,940
+المسلمين، ومن ثم بيت المال يُوزّع هذه الأموال على
+
+171
+00:18:19,940 --> 00:18:26,560
+الفقراء والمحتاجين والغارمين والمؤلفة قلوبهم وأصحاب
+
+172
+00:18:26,560 --> 00:18:33,260
+الحاجة وابن السبيل وفي سبيل الله، فعندما
+
+173
+00:18:35,320 --> 00:18:46,020
+نجد أنه لو أنا إنسانا قتل إنسانا خطأ، يحدث أو تسبب
+
+174
+00:18:46,020 --> 00:18:55,240
+في إتلاف يعني عضو شخص آخر خطأ، ماذا
+
+175
+00:18:55,240 --> 00:19:01,370
+.. ما الحكم في الشريعة الإسلامية؟ هل يُترك هذا الشخص
+
+176
+00:19:01,370 --> 00:19:10,590
+القاتل لحاله ولنفسه يتدبر أمره بنفسه؟ ليه؟ ك
+
+223
+00:24:23,500 --> 00:24:29,900
+لم يكن ثم حاجة لإيش؟ لعقد التأمين، عقد التأمين
+
+224
+00:24:29,900 --> 00:24:41,020
+أقول لما .. لما تخلت الحكومات عن مهامها في تعويض
+
+225
+00:24:41,020 --> 00:24:48,240
+الناس في  مادية الضرر للناس لما تخلت عن تحكيم شريعة
+
+226
+00:24:48,240 --> 00:24:57,380
+الله التي تقتضي بإعطاء الفقراء والمساكين والعاجزين
+
+227
+00:24:57,380 --> 00:25:04,520
+وغير ذلك، يعني في الآخر برضه المصائب والنكبات
+
+228
+00:25:04,520 --> 00:25:12,230
+والكوارث لا تنتهي، وإذا كان الناس أو التشريع الذي
+
+229
+00:25:12,230 --> 00:25:22,230
+يُحتكم إليه الناس لا يوجد فيه ما .. ما
+
+230
+00:25:22,230 --> 00:25:28,770
+.. ما .. ما ينتج عنه من تعويض لهؤلاء الذين وقعوا
+
+231
+00:25:28,770 --> 00:25:36,270
+في النكبات، فمن هنا بدأت الحاجة، بدأت الحاجة لظهور
+
+232
+00:25:36,270 --> 00:25:42,450
+عقود التأمين الخاصة، هذه عقود التأمين، ولذلك يا إخوان
+
+233
+00:25:42,450 --> 00:25:47,170
+أول ما ظهرت .. ظهرت ليس عند المسلمين، هي ظهرت عند
+
+234
+00:25:47,170 --> 00:25:52,230
+المسلمين متأخرا، أول ما ظهرت .. ظهرت في أوروبا لأن
+
+235
+00:25:52,230 --> 00:25:58,790
+في أوروبا ما كانش في يعني هذه الحكومات تقوم بواجبها
+
+236
+00:25:58,790 --> 00:26:07,770
+نحو شعوبها، خاصة في الطبقات الوسطى وإلى غير ذلك، وكانت
+
+237
+00:26:07,770 --> 00:26:13,870
+الاعتداءات والمصائب التي تحدث سواء من حريق أو غرق
+
+238
+00:26:13,870 --> 00:26:19,200
+أو سرقات أو قرصنة في البحر أو في الجو، لا يستطيع
+
+239
+00:26:19,200 --> 00:26:26,020
+الإنسان أن يأمن على ماله وعلى ممتلكاته، فظهرت
+
+240
+00:26:26,020 --> 00:26:34,180
+الحاجة إلى عقود التأمين، ظهرت شركات تقول
+
+241
+00:26:34,180 --> 00:26:42,160
+أنا مستعد أعوضك يا أيها التاجر، يا أيها الصانع، يا
+
+242
+00:26:42,160 --> 00:26:47,140
+أيها الشخص الذي يهددك احتمال
+
+243
+00:26:48,190 --> 00:26:54,770
+مصاب معين من كارثة بيئية أو كارثة بحرية أو برية،
+
+244
+00:26:54,770 --> 00:27:02,390
+أيه، أنا مستعد، لكن عاوز أنا تدفع لي مبلغ معين نتفق
+
+245
+00:27:02,390 --> 00:27:06,010
+عليه حتى
+
+246
+00:27:06,010 --> 00:27:14,230
+إذا وقع لك هذا الأمر، أعوضك، من هنا بدأت الحاجة، وقبل
+
+247
+00:27:14,230 --> 00:27:21,670
+الناس أن يدفعوا هذه المبالغ تأمينا على أموالهم
+
+248
+00:27:21,670 --> 00:27:28,290
+وممتلكاتهم، قبل ذلك، رغم أن المبالغ التي كانت تدفع
+
+249
+00:27:28,290 --> 00:27:34,190
+كأقساط كانت مبالغ كبيرة في ذلك الوقت، كبيرة جدا
+
+250
+00:27:34,190 --> 00:27:42,100
+وصلت إلى نحو ثلث قيمة المال المؤمن عليه، يعني إذا
+
+251
+00:27:42,100 --> 00:27:46,520
+أنا المال اللي بدي أؤمنه بيساوي مائة ألف دينار، بدي
+
+252
+00:27:46,520 --> 00:27:51,120
+أدفع ثلاثين ألف دينار تأمينا، إذا أنا يعني عندي
+
+253
+00:27:51,120 --> 00:27:58,880
+بضاعة بدي أنقلها من فرنسا لتركيا عن طريق البحر،
+
+254
+00:27:58,880 --> 00:28:05,200
+مسافة طويلة مثلا، مبلغ 100 ألف دينار عشان أنا أضمن
+
+255
+00:28:05,200 --> 00:28:10,200
+الـ .. الـ .. البضاعة تصل، وإذا ما وصلت، غرقت أو
+
+256
+00:28:10,200 --> 00:28:16,080
+القراصنة يعتدوا عليها ويسرقوها، يعني .. يعني أضمن من
+
+257
+00:28:16,080 --> 00:28:21,470
+يعوضني يا شركة التأمين، قالت لك بدي
+
+258
+00:28:21,470 --> 00:28:27,070
+أنا حوالي ثلث، يعني مبلغ كبير جدا، ومع ذلك قابلة لأن
+
+259
+00:28:27,070 --> 00:28:31,730
+التهديد كان كبير، والمصاب كبير، ويقول لك أنا أدفع
+
+260
+00:28:31,730 --> 00:28:36,710
+ثلاثين ألف، بعدين أنا بعوض، إن التجار بيغلّبوها في
+
+261
+00:28:36,710 --> 00:28:41,910
+الآخر، التجار بيزيدوها على رأس المال والسلع، بدل ما
+
+262
+00:28:41,910 --> 00:28:48,130
+تنبع دينار، تنبع دينار، نص في الآخر يعني تزاد على
+
+263
+00:28:48,130 --> 00:28:55,110
+التكاليف، والمستهلك هو الذي يتحمل في النهاية كل هذه
+
+264
+00:28:55,110 --> 00:28:59,730
+الزيادات، فبقول لك أنا بدفع الثلاثين ألف ولا يروح كل
+
+265
+00:28:59,730 --> 00:29:06,550
+مالي وكل مستقبلي وكل حياتي، و .. وربما تكون هذه
+
+266
+00:29:06,550 --> 00:29:11,770
+الشركات يعني لها تواصل مع القراصنة ومع الـ .. الـ
+
+267
+00:29:11,770 --> 00:29:17,950
+.. غيرهم، يعني لا أستبعد ذلك في ذلك الزمان، لكن اللي
+
+268
+00:29:17,950 --> 00:29:23,050
+عاوز أقوله يا إخوان أنه رغم يعني أنه كانت المبالغ
+
+269
+00:29:23,050 --> 00:29:29,190
+طائلة إلا أنهم شعروا بنوع من الأمان والاطمئنان
+
+270
+00:29:29,190 --> 00:29:38,490
+بدفع الثلث، لكن أنا بكون مطمئن، مش على .. على مالي، و
+
+271
+00:29:38,490 --> 00:29:43,290
+مأمن، اللي هو وصل بسلام، الحمد لله، ما وصلش، في هناك
+
+272
+00:29:43,290 --> 00:29:51,090
+ضامن وهناك مؤمن، لكن وبعد أن شعر الناس بنوع من
+
+273
+00:29:51,090 --> 00:29:58,450
+الاستقرار، أو نوع من تحقيق بعض الأهداف والأمان لهم،
+
+274
+00:29:59,570 --> 00:30:03,850
+لكن في نفس الوقت هم مشعرين بأنه في ظلم من قبل
+
+275
+00:30:03,850 --> 00:30:09,130
+شركات التأمين هذه، طبعا شركات التأمين هذه في
+
+276
+00:30:09,130 --> 00:30:16,340
+أساسها هم أصحاب رؤوس أموال طائلة، اللي طبعا .. لأن
+
+277
+00:30:16,340 --> 00:30:20,960
+أساسا مجرد إن هم شركات التأمين يا إخوان، مستودعات
+
+278
+00:30:20,960 --> 00:30:24,520
+للأموال، لأن .. لأن إن أنت بتدفع وهذا بيدفع وهذا
+
+279
+00:30:24,520 --> 00:30:28,380
+بيدفع، تصير عنده أموال طائلة ممكن يشغلها، تزداد زي
+
+280
+00:30:28,380 --> 00:30:31,540
+البلوك بالظبط، شركـ .. ولذلك شركات التأمين وأصحاب
+
+281
+00:30:31,540 --> 00:30:35,500
+شركات التأمين من أغنى يعني الشركات ومن أغنى
+
+282
+00:30:35,500 --> 00:30:39,120
+الشخصيات، أصحاب شركات التأمين، لأن عندك مستودع
+
+283
+00:30:39,120 --> 00:30:45,230
+للأموال، وبعدين أنت لما تصدف يصير في حادث، أنت
+
+284
+00:30:45,230 --> 00:30:50,250
+بتستعد، بتعوّضه هذا المال، أنت يمكن أن تنميه و
+
+285
+00:30:50,250 --> 00:30:55,070
+تستثمره يعني، وبتـ .. إذا كنا .. إذا كان عندك يعني
+
+286
+00:30:55,070 --> 00:30:58,010
+نوع من القدرات التجارية والإدارية،
+
+287
+00:31:03,730 --> 00:31:09,150
+فبالتالي ازدهرت يعني عملية التأمين، لكن زي ما قلت
+
+288
+00:31:09,150 --> 00:31:15,870
+بدأوا يا إخوان الناس أو المؤمنين، المستأمنين، بدأوا
+
+289
+00:31:15,870 --> 00:31:20,470
+يستشعرون بنوع من الظلم، يعني 30% أو ثلث، شيء كثير
+
+290
+00:31:20,470 --> 00:31:24,950
+بالفعل، فبدأت
+
+291
+00:31:24,950 --> 00:31:32,550
+الحكومات أيضا تستشعر كذلك بهذا الظلم، بعد أن صار في
+
+292
+00:31:32,550 --> 00:31:39,110
+استقرار في الحكومات، فبدأت تتدخل وتقنّن
+
+293
+00:31:39,110 --> 00:31:51,810
+هذه النسب بشكل متوازن وبشكل موضوعي ومعقول، وأصبح
+
+294
+00:31:51,810 --> 00:31:56,850
+لها نوع، أصبحت غير متروكة، الشركات لوحدها تقرر كيف
+
+295
+00:31:56,850 --> 00:32:00,850
+تشاء وتضع النسب التي تشاء، هذا كان عند البدايات،
+
+296
+00:32:00,850 --> 00:32:06,670
+عندما بدأت الظهور، لكن يعني بعد أن بدأ الناس يعني
+
+297
+00:32:06,670 --> 00:32:11,550
+يستشعرون بالظلم، وفي نفس الوقت يريدون أن ينتشر هذا
+
+298
+00:32:11,550 --> 00:32:17,450
+الأمر، ويريدون شركات التأمين أن تنتشر، فبدأت الحكومة
+
+299
+00:32:17,450 --> 00:32:23,050
+تتدخل وتضع نسبا، وصار يكون لها حتى الحكومة يا
+
+300
+00:32:23,050 --> 00:32:27,890
+إخوان، لها من شركات التأمين أو من نسبة التأمين
+
+301
+00:32:27,890 --> 00:32:34,090
+اللي بتأخذها من الناس، بيكون لها نسبة معينة في ذلك
+
+302
+00:32:34,090 --> 00:32:41,160
+على كل الأحوال، يعني بعد أن بدأت شركات التأمين بالـ
+
+303
+00:32:41,160 --> 00:32:46,560
+.. بالـ .. أو بعد أن بدأت الحكومة تتدخل في عمل
+
+304
+00:32:46,560 --> 00:32:56,100
+شركات التأمين، بدأت الحاجة إلى، بدأت يعني تنتشر شركات
+
+305
+00:32:56,100 --> 00:33:00,420
+التأمين بشكل أكبر، بعد أن تدخلت الحكومات وقنّنت
+
+306
+00:33:00,420 --> 00:33:09,540
+عملها، وخفت نسبة الأقساط، بدأت يعني بدأ الإقبال يكون
+
+307
+00:33:09,540 --> 00:33:16,340
+أكبر على شركات التأمين، وبدأت تعامل، وبدأت الحكومات
+
+308
+00:33:16,340 --> 00:33:21,220
+تجعل من التأمين شيئا مفروضا على كثير من الأعمال
+
+309
+00:33:23,030 --> 00:33:29,090
+تفتح مصنعا، وتجيب عمالا، لازم تأمن على العمال، عشان أنت
+
+310
+00:33:29,090 --> 00:33:33,970
+بدك تستورد بضاعة، لازم تعمل تأمينا، يعني وهذا بيكون
+
+311
+00:33:33,970 --> 00:33:37,470
+مفروضا، مش على كيفك، يعني في الأول أمر  اختياري، إذا أنت
+
+312
+00:33:37,470 --> 00:33:40,890
+بدك تأمن على الأسرة، ما بتكاش، لكن اليوم بدأت
+
+313
+00:33:40,890 --> 00:33:46,130
+الحكومات تفرض هذا التأمين في كثير من المجالات، وإن
+
+314
+00:33:46,130 --> 00:33:50,340
+كانت تتركه يعني في مجالات أخرى، أو تفرضه في بعض
+
+315
+00:33:50,340 --> 00:33:55,680
+الأعمال، مما أصبح .. مما جعل عقود التأمين لها
+
+316
+00:33:55,680 --> 00:34:00,940
+ارتباطات بكثير من المصالح، وأصبح من غير المعقول أو
+
+317
+00:34:00,940 --> 00:34:05,820
+من غير المتصور أن تترك يا إخوان أيـ .. أن .. أن ..
+
+318
+00:34:05,820 --> 00:34:15,420
+أن تسير و .. و تسير مصالح الناس بدون عقود التأمين،
+
+319
+00:34:15,420 --> 00:34:19,840
+أنا خلّيني قبل ما تنتهي المحاضرة أرجع وأقول إن
+
+320
+00:34:19,840 --> 00:34:25,440
+انتشار أو عدم وجود عقود التأمين في بلاد المسلمين
+
+321
+00:34:25,440 --> 00:34:29,800
+لم يكن شيئا سلبيا أو مظهرا من المظاهر السلبية، لأن
+
+322
+00:34:29,800 --> 00:34:35,860
+الحكومة والخلافة وبيت المال هو الذي كان يرعى كل هذه
+
+323
+00:34:35,860 --> 00:34:42,500
+الأمور، والناس لم يحتاجوا إلى هذا، الحاجة هم
+
+324
+00:34:42,500 --> 00:34:47,620
+الاختراع، هم اللي جعل الأوروبيين يبحثوا عن شركات
+
+325
+00:34:47,620 --> 00:34:53,540
+تأمين، هو أنهم لم يجدوا من يرعاهم، لم يجدوا حكومة
+
+326
+00:34:53,540 --> 00:34:58,860
+أو خلافة ترعاهم، ولم يجدوا تعاونا بين الناس، فاضطروا
+
+327
+00:34:58,860 --> 00:35:02,380
+إلى التوجه إلى شركات التأمين التي بدأت في بداية
+
+328
+00:35:02,380 --> 00:35:09,160
+مشوارها إلى وضع الأرقام أو النسب العالية والظالمة
+
+329
+00:35:09,160 --> 00:35:15,760
+التي تريدها، لكن يا إخوان في نفس الوقت نريد أن نقول
+
+330
+00:35:15,760 --> 00:35:22,880
+أنه بعد أن تدخلت الحكومات وشرّعت وقنّنت، أصبح أصبح
+
+331
+00:35:22,880 --> 00:35:27,760
+عقد التأمين اليوم، خاصة التجاري منه اللي هنتكلم عنه
+
+332
+00:35:27,760 --> 00:35:34,640
+فيما بعد، أصبح يعني يوفر للناس كثيرا من الأهداف و
+
+333
+00:35:34,640 --> 00:35:39,080
+كثيرا من المصالح اللي إحنا إن شاء الله هنحكي عنها
+
+334
+00:35:39,080 --> 00:35:43,670
+في، يأتي من محاضرات، شكرا لكم
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/SuOJ5cBjPb8_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/SuOJ5cBjPb8_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..2e0fd553dd5a027a087153dd235f43d957a1509a
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/SuOJ5cBjPb8_postprocess.srt
@@ -0,0 +1,1336 @@
+1
+00:00:21,410 --> 00:00:27,370
+الحمد لله والصلاة والسلام على رسول الله وعلى آله
+
+2
+00:00:27,370 --> 00:00:31,190
+وصحبه ومن اهتدف بهده واستنى بسنته إلى يوم الدين
+
+3
+00:00:31,190 --> 00:00:38,950
+وبعد بعد ما .. بعد أن انتهينا من الحديث عن الخلو
+
+4
+00:00:38,950 --> 00:00:45,770
+أو بدل الخلو وما يتعلق به من أحكام ننتقل إلى مسألة
+
+5
+00:00:45,770 --> 00:00:49,430
+ومعاملة
+
+6
+00:00:49,430 --> 00:00:51,010
+معاصرة
+
+7
+00:00:52,970 --> 00:00:58,110
+جديدة تكاد
+
+8
+00:00:58,110 --> 00:01:02,670
+تكون معروفة
+
+9
+00:01:02,670 --> 00:01:12,550
+اليوم لدى الناس جميعا ليس معروفة فقط بل لا يكاد
+
+10
+00:01:12,550 --> 00:01:21,340
+بيت ربما او فرد حتى او منشأة او مؤسسةلا تتعامل بها
+
+11
+00:01:21,340 --> 00:01:27,700
+لاننا كاد نجد مؤسسة لا تتعامل فما فهي هذه المعاملة
+
+12
+00:01:27,700 --> 00:01:34,320
+منتشرة في البلدان جميعا منتشرة بين الناس منتشرة
+
+13
+00:01:34,320 --> 00:01:41,160
+على صعيد المؤسسات مؤتمدة من قبل الحكومات
+
+14
+00:01:43,460 --> 00:01:51,160
+بل أكثر من ذلك أنها أصبحت شرطا لكثير من التعاملات
+
+15
+00:01:51,160 --> 00:01:54,240
+شرطا
+
+16
+00:01:54,240 --> 00:02:05,680
+لكثير من التسهيلات للمعاملات المتعددة في حياة
+
+17
+00:02:05,680 --> 00:02:10,460
+الناسهذه المعاملة
+
+18
+00:02:10,460 --> 00:02:16,900
+هي ما يُعرف أو ما تُسمى بالتأمين أو عقد التأمين
+
+19
+00:02:16,900 --> 00:02:27,280
+ماذا يُقصد بعقد التأمين؟ في اللغة؟ في الإصطلاح؟
+
+20
+00:02:27,280 --> 00:02:32,040
+متى نشأ هذا العقد؟
+
+21
+00:02:32,040 --> 00:02:39,940
+ما هي أنواعه؟وما هي الأحكام المتعلقة بكل نوع من
+
+22
+00:02:39,940 --> 00:02:46,660
+هذه الأنواع حيث سنرى أن التامين له أنواع متعددة
+
+23
+00:02:46,660 --> 00:02:54,280
+هذا ما سنحاول إن شاء الله أن نتحدث فيه اليوم وربما
+
+24
+00:02:54,280 --> 00:03:01,280
+في محاضرة لاحقة أيضا بداية
+
+25
+00:03:01,280 --> 00:03:08,250
+أيها الأخوة الكرامنريد التأكيد على أن عقد التأمين
+
+26
+00:03:08,250 --> 00:03:15,350
+بالفعل يعتبر من المعاملات أو من القضايا المعاصرة
+
+27
+00:03:15,350 --> 00:03:21,230
+وربما تعود
+
+28
+00:03:21,230 --> 00:03:28,110
+بدايات ظهوره كعقد متعلق ب
+
+29
+00:03:32,770 --> 00:03:37,450
+بالمنقلات وبالموجودات وبالسلع وإلى غير ذلك ربما
+
+30
+00:03:37,450 --> 00:03:44,330
+يعودوا إلى نحو من 200 عام حوالي من قبل 200 عام
+
+31
+00:03:44,330 --> 00:03:53,390
+يعني وفق هذا التصور يتأكد لنا أن التأمين عقد معاصر
+
+32
+00:03:53,390 --> 00:03:59,320
+احنا لما نقول عقد معاصر مش بالضرورة ابن السنةأو
+
+33
+00:03:59,320 --> 00:04:03,560
+ابن العشر سنين هدولة أو .. لأ يعني المقصود لم
+
+34
+00:04:03,560 --> 00:04:09,060
+يعرفه علماؤنا القدامى فى القرن الأول والثانى
+
+35
+00:04:09,060 --> 00:04:12,560
+والثالث والرابع والخامس والسادس والسابع الهجرى
+
+36
+00:04:12,560 --> 00:04:19,840
+وهكذا بل عرفوه متأخرا المعاصرون هم الذين عرفوهم
+
+37
+00:04:19,840 --> 00:04:22,500
+الدليل على انه متأخر
+
+38
+00:04:25,020 --> 00:04:32,020
+أننا لم نجد في كتب الفقه القديم شيئا عن التأمين
+
+39
+00:04:32,020 --> 00:04:45,540
+وأول من .. من تحدث عن عقد التأمين هو العلمة الفقيه
+
+40
+00:04:45,540 --> 00:04:52,080
+الحنفي محمد ابن عبدين جاب
+
+41
+00:04:52,080 --> 00:05:00,450
+الحوالي 200 عامهذه إشارة دلتنا على أنه عقد معاصر
+
+42
+00:05:00,450 --> 00:05:06,930
+أو عقد جديد قبل هيك لم يكن .. لم يتحدث أحد وما كان
+
+43
+00:05:06,930 --> 00:05:17,270
+للعلماء أن يتركوا قضية وجدته دون أن يبينوا حكمها
+
+44
+00:05:18,800 --> 00:05:22,480
+واحد يقول يمكن كانت معروفة وما بيانوش، لأ هذا غير
+
+45
+00:05:22,480 --> 00:05:30,580
+مقبول وغير متصور، لو وجدت القضية قبل ذلك ل .. ل ..
+
+46
+00:05:30,580 --> 00:05:33,560
+لبين علماؤنا حكمها
+
+47
+00:05:36,350 --> 00:05:41,470
+لقد بلغ بعلمائنا العمر أن يبينوا أن لا يقتصروا على
+
+48
+00:05:41,470 --> 00:05:48,090
+بيان الأحكام الموجودة فقط بل منهم من كان يفترض
+
+49
+00:05:48,090 --> 00:05:54,090
+أحيانا أحكاما فكيف نتصور أن يتركوا بيان حكم لمسألة
+
+50
+00:05:54,090 --> 00:06:01,270
+موجودة لكن لما وجدت خاصة في بلاد المسلمين يمكن هذا
+
+51
+00:06:01,270 --> 00:06:06,210
+يا أخوة قبل 200 عاموجدت عند المسلمين هذه المعاملة
+
+52
+00:06:06,210 --> 00:06:11,770
+لكن قبل ذلك ربما وجدت عند غير المسلمين قبل هذا
+
+53
+00:06:11,770 --> 00:06:16,390
+الزمان في أوروبا وغير أوروبا ربما وجدت معاملة
+
+54
+00:06:16,390 --> 00:06:26,670
+التأمين ولكن على غيره أو يعني بشكل مبسط أو في بعض
+
+55
+00:06:26,670 --> 00:06:33,700
+المجالات دون .. دون بعضلكن أول وجود إلها يعني في
+
+56
+00:06:33,700 --> 00:06:41,200
+بلاد المسلمين كان كما قلت قبل نحو من 200 عام و
+
+57
+00:06:41,200 --> 00:06:47,640
+عندها بدأ علماء المسلمين يوضحون للناس أحكام
+
+58
+00:06:47,640 --> 00:06:52,060
+التأمين، لأ أريد أن أستبق الحدث هنا و أقول ماذا
+
+59
+00:06:52,060 --> 00:06:57,460
+قال علماء القدامى حول حكم التأمين يومهاوماذا
+
+60
+00:06:57,460 --> 00:07:02,140
+يقولون اليوم لكن انا عاوز اسأل يا اخوة قبل ان ابدأ
+
+61
+00:07:02,140 --> 00:07:09,900
+او ان يعني ابدأ في الحديث بالتعريف والتقسيم
+
+62
+00:07:09,900 --> 00:07:18,720
+اريد ان اقول عقد التأمين حقيقة يعني كما قلت قبل
+
+63
+00:07:18,720 --> 00:07:24,420
+قليل عقد انتشرا انتشرا واسعا في البلاد وبين العباد
+
+64
+00:07:25,410 --> 00:07:29,430
+وهذا إن دل على شيء فإنما يدل على أنه يحقق مصالح
+
+65
+00:07:29,430 --> 00:07:38,730
+للناس وأنهم لم يعودوا يستغنوا عنهم إلى حد ما أصبح
+
+66
+00:07:38,730 --> 00:07:43,790
+له قبولا طيب
+
+67
+00:07:43,790 --> 00:07:48,830
+قبل ذلك لم يكن معروفا في بلاد المسلمين لم يكن
+
+68
+00:07:48,830 --> 00:07:57,950
+معروفا في بلاد المسلمينهل عدم معرفته أو عدم وجوده
+
+69
+00:07:57,950 --> 00:08:10,270
+في بلاد المسلمين يعني كان يعكسه مظهرا سيديا احنا
+
+70
+00:08:10,270 --> 00:08:15,230
+قاعدين بنقول ان التأمين واضح على الأقل من حيث
+
+71
+00:08:15,230 --> 00:08:23,570
+المبدأ او من حيث الجملة انه إيجابىوتتحقق معه أهداف
+
+72
+00:08:23,570 --> 00:08:31,290
+متعددة، التكافل، الانقاذ الناس من الكوارث في بعض
+
+73
+00:08:31,290 --> 00:08:37,330
+الأحيان، ادخار الأموال، إلى غير ذلك، هناك حقيقة
+
+74
+00:08:37,330 --> 00:08:43,870
+مصالح وأهداف تتحقق من وراء أقود التأمين، تسهيئ
+
+75
+00:08:43,870 --> 00:08:49,190
+المعاملات، ولذلك تلقته أو تلقاه الناس يعني إلى حد
+
+76
+00:08:49,190 --> 00:08:55,520
+كبير بالقبوللم يُعرف كما قلنا قبل قليل التأمين في
+
+77
+00:08:55,520 --> 00:09:03,020
+بلاد المسلمين إلا حديثا يعني على مدار تلتاشر قرن
+
+78
+00:09:03,020 --> 00:09:08,000
+ماكانش فيه حاجة اسمة تأمين هل
+
+79
+00:09:08,000 --> 00:09:14,240
+كمان مرة بقول هل هذا يعكسه مظهرا إيجابي سلبيا عند
+
+80
+00:09:14,240 --> 00:09:20,280
+المسلمين؟ولا .. يعني وفيه كان عندهم نقص في هذا
+
+81
+00:09:20,280 --> 00:09:26,000
+الجانب ولا .. ولا هم أظهر إيجابي يعني أنه مايكونش
+
+82
+00:09:26,000 --> 00:09:30,100
+في تأمين ولا .. ما تعليقكم يا ترى؟ من لديه تعليق
+
+83
+00:09:30,100 --> 00:09:36,280
+على هذا التساؤل؟
+
+84
+00:09:36,280 --> 00:09:40,920
+طب
+
+85
+00:09:40,920 --> 00:09:42,620
+أنا أسأل السؤال بطريقة أخرى
+
+86
+00:09:45,210 --> 00:09:49,990
+إذا سلمنا أنه لم يكن ثم تعقود تأمين عند المسلمين
+
+87
+00:09:49,990 --> 00:10:00,010
+فما العلة؟ لماذا؟ لماذا لم نرىانتشار ووجود عقول
+
+88
+00:10:00,010 --> 00:10:08,090
+التأمين في بلاد المسلمين الا حديثا اما على مدار
+
+89
+00:10:08,090 --> 00:10:14,410
+يعني الدول .. دول الخلافة المتعاقبة لم نجد حكومة
+
+90
+00:10:14,410 --> 00:10:21,470
+.. لم نجد عقد التأمين مع انه يعني كما قلت ربما
+
+91
+00:10:21,470 --> 00:10:25,710
+يحقق ومصالح ما .. ما السبب؟ فضل
+
+92
+00:10:33,910 --> 00:10:36,730
+لكن لو صرت مشكلة أو حاجة كان يتحكمله عند الخديثة
+
+93
+00:10:36,730 --> 00:10:43,770
+ولكن لما انتهت تلاقيته صار فيه عقد تأمينه هو
+
+94
+00:10:43,770 --> 00:10:49,170
+طبعا يا أخوة صار في أخونا أجاب بطريقة مبنية على
+
+95
+00:10:49,170 --> 00:10:56,350
+فهم يعني ليس دقيقا لعقد التأمين عقد التأمين يعني
+
+96
+00:10:56,350 --> 00:11:03,110
+له علاقة بالأمن صحيح لكن ليس هو المقصودليس المقصود
+
+97
+00:11:03,110 --> 00:11:06,590
+من عقد التأمين الأمن والأمان الأمن اللي هو ضد
+
+98
+00:11:06,590 --> 00:11:14,850
+الخوف لأ عقد التأمين يعني عقد يتم بين طرفين على أن
+
+99
+00:11:14,850 --> 00:11:23,430
+يدفع أحد الطرفين للآخر مبلغا من المال مقابل أنه
+
+100
+00:11:23,430 --> 00:11:29,700
+إذا وقع في كارثة معينةمسماء فإنه يعوضه عن هذا
+
+101
+00:11:29,700 --> 00:11:34,300
+العمر يعني هذا المفهوم عقد التأمين اللذي يتم كما
+
+102
+00:11:34,300 --> 00:11:41,080
+احنا الآن بنروح نعمل تأمين للسيارة مقابل ماذا؟ انه
+
+103
+00:11:41,080 --> 00:11:46,590
+لو صار لجرى صار عندي قدر الله حادثالتأمين شركة
+
+104
+00:11:46,590 --> 00:11:50,690
+التأمين تقوم بتعويضي عن هذا الحدث يعني بدل ما انا
+
+105
+00:11:50,690 --> 00:11:55,570
+اللي اتكفل بالدفع شركة التأمين اللي هتتكفل بالدفع
+
+106
+00:11:55,570 --> 00:12:00,610
+و بالتعويض و قعد عنده محل تجاري و مؤمن عليه تم
+
+107
+00:12:00,610 --> 00:12:06,390
+حرقه او سرقته او الى غير ذلك شركة اذا كان مؤمن
+
+108
+00:12:06,390 --> 00:12:15,150
+بمقتضع عقد التأمينيتم تعويضه عن خسائره التي حدثت
+
+109
+00:12:15,150 --> 00:12:19,730
+وهكذا هذا هو المقصود يعني هو فيه هنا ولذلك أنا قلت
+
+110
+00:12:19,730 --> 00:12:23,990
+في البداية عقد التأمين هو شكل من أشكال التكافل
+
+111
+00:12:23,990 --> 00:12:30,770
+وشكلمن أشكال تحقيق المصلحة وشكل من أشكال يعني
+
+112
+00:12:30,770 --> 00:12:37,590
+إنقاذ الناس من مصاباتهم ومن الكوارث ربما والحوادث
+
+113
+00:12:37,590 --> 00:12:42,850
+التي يتعرضون لها هدف الجملة لكن يعني ثم التفاصيل
+
+114
+00:12:42,850 --> 00:12:48,250
+ربما تجعل عقد التأمين محال نظر شرعي هنا أو هناك
+
+115
+00:12:48,250 --> 00:12:51,830
+هذا مثلا وحاول بيانه لكن هدف الجملة بنرجع لسؤالنا
+
+116
+00:12:52,300 --> 00:12:57,080
+إذا ماذا يمكن أن يقال؟ نعم؟ في آية في القرآن
+
+117
+00:12:57,080 --> 00:13:01,480
+الموجة، ونحن المسلمين الذين شرروا حتى يسمع كلام
+
+118
+00:13:01,480 --> 00:13:05,560
+الله، كان دهانة بتعمله في كل عامة هيقضع المهدد،
+
+119
+00:13:05,560 --> 00:13:09,500
+لكن في عصر الإسلام أو في الطب الإسلامي، ماكانش
+
+120
+00:13:09,500 --> 00:13:12,600
+التعمل عامل من طرف الحالة، بسبب يعني عدة أسباب،
+
+121
+00:13:12,600 --> 00:13:13,680
+كده في كل دماغ الوطنية
+
+122
+00:13:18,620 --> 00:13:23,160
+كان موجود يعني ما يُعرف ببيت مال المسلمين، فكان
+
+123
+00:13:23,160 --> 00:13:27,020
+هذا يقفل في كل مورى المسلمين، يعني في ذات المجتمع،
+
+124
+00:13:27,020 --> 00:13:31,600
+وفي حق الإراد، يعني إذا كان الشخص في ورقة إله،
+
+125
+00:13:31,600 --> 00:13:35,000
+فماله ليه ورقة؟ ولم يكن لها ورقة، فهو للمسلمين
+
+126
+00:13:35,000 --> 00:13:40,240
+بشكل عام أحسن، هذا كلام جميل، بس ده في اي تعقيب
+
+127
+00:13:40,240 --> 00:13:43,200
+آخر؟ الحقيقة الصادرية يوم تطلب نسبة جامعة، مثل
+
+128
+00:13:43,200 --> 00:13:46,380
+زمان، مش في شركة، مش سيارات، يوم الشخص بيأمل على
+
+129
+00:13:46,380 --> 00:13:51,640
+شركة، الشخص بيأمل على سيارة معينةيعني ظروف الحياة
+
+130
+00:13:51,640 --> 00:13:57,680
+..ظروف المستجدات ..يعني هي اللتي ..يعني لم يكن له
+
+131
+00:13:57,680 --> 00:14:03,340
+..لم يكن حاجة لوجود عقود التامين في القرن السابقى
+
+132
+00:14:03,340 --> 00:14:07,680
+كيف
+
+133
+00:14:07,680 --> 00:14:14,760
+كان موجود؟ زي ما حكى محمد
+
+134
+00:14:19,730 --> 00:14:23,410
+المسلمين كانوا عايشين في تلك فترة في نظام يقول عقد
+
+135
+00:14:23,410 --> 00:14:28,290
+التأمين الكبير، إن الخليفة إذا واحد ضغط أو إشي
+
+136
+00:14:28,290 --> 00:14:28,670
+بعوض
+
+137
+00:14:31,640 --> 00:14:35,220
+صاروا اشي كلهم بدخلوا معاه كلهم بعرضه فكان يعني
+
+138
+00:14:35,220 --> 00:14:40,120
+مثلا عقد التأمين جميل زي عبدالله حقيقة يا اخوة
+
+139
+00:14:40,120 --> 00:14:45,300
+بالفعل يعني ما أجاب به الاخوة كلام جميل وصحيح يعني
+
+140
+00:14:45,300 --> 00:14:51,100
+وانا استطيع ان اقول ان عدم وجود عقد التأمين على
+
+141
+00:14:51,100 --> 00:14:55,900
+مدار تلك الأقود ليس بالضرورة ان يكون مظهرا سلبيا
+
+142
+00:14:56,630 --> 00:15:03,670
+عدم وجود أو انتشار عقد التأمين على مدار السنين في
+
+143
+00:15:03,670 --> 00:15:08,770
+زمن الخلافة المتعاقبة أو الخلافات المتعاقبة ليس
+
+144
+00:15:08,770 --> 00:15:14,950
+بضرورة أن يكون أمرا سلبيا ذلك أن شريعة الإسلام
+
+145
+00:15:14,950 --> 00:15:25,430
+بالفعل هي التأمين الأكبر لعامة الناسلعامة الناس
+
+146
+00:15:25,430 --> 00:15:32,150
+هذه الشريعة بما اجتملت عليه من أحكام لو نظرنا
+
+147
+00:15:32,150 --> 00:15:39,990
+اليها سنجد أنها تؤمن الناس على كل مقتضيات حياتهم
+
+148
+00:15:39,990 --> 00:15:46,540
+على كل شؤون حياتهم بدءا من حياة الإنسانو ماله و
+
+149
+00:15:46,540 --> 00:15:53,580
+عرضه و .. و .. و .. و .. و .. و تضمن حرية تنقله و
+
+150
+00:15:53,580 --> 00:16:00,680
+سفره و إلى غير ذلكفالإسلام يعني هو ال .. هو
+
+151
+00:16:00,680 --> 00:16:09,020
+التأمين الشامل والكامل الذي يعطي كل الناس حقوقهم
+
+152
+00:16:09,020 --> 00:16:16,700
+وفي حالة ما إذا وقع الإنسان في مصاب أو كارثة أو
+
+153
+00:16:16,700 --> 00:16:24,000
+حادثة فإن دولة الإسلام لا تترك أحدا دون أن تمد يد
+
+154
+00:16:24,000 --> 00:16:31,070
+العونله بطريقة او باخرى طريقة او باخرى يعني انظروا
+
+155
+00:16:31,070 --> 00:16:37,230
+.. انظروا عمر بن الخطاب رضي الله عنه عندما كان
+
+156
+00:16:37,230 --> 00:16:44,510
+يقول والله لو ان بغلة في أرض العراق عثرت لا خشيت
+
+157
+00:16:44,510 --> 00:16:51,890
+أن يسألني الله عنها يعني هو يؤمن له .. لها الطريقو
+
+158
+00:16:51,890 --> 00:17:01,430
+كأني بيريد أن يقول وعلى ذلك لو طالبني صاحبها
+
+159
+00:17:01,430 --> 00:17:08,530
+بتعويض بسبب تعثرها من أجل أن الطريق ليس ممهدا
+
+160
+00:17:08,530 --> 00:17:15,790
+لأعطيته لأنه أنا مسئول عن رصف أو سفلتة أو تمهيد
+
+161
+00:17:15,790 --> 00:17:19,910
+الطريق عندما نجد أن الإسلام
+
+162
+00:17:22,540 --> 00:17:32,060
+يطالب الأغنياء يطالب الأغنياء بأن يجتزأ جزء من
+
+163
+00:17:32,060 --> 00:17:38,160
+أموالهم بأن يأخذ جزء من أموالهم فرضا فريضة لتوزع
+
+164
+00:17:38,160 --> 00:17:44,140
+على المحتاجين والفقراء إنما الصداقات للفقراء
+
+165
+00:17:44,140 --> 00:17:49,680
+والمساكين والصداقات مش صداقات يعني أنت على كيفك
+
+166
+00:17:49,680 --> 00:17:55,090
+مفروضةإنما الصدقات للفقراء والمساكين والعملين
+
+167
+00:17:55,090 --> 00:17:59,130
+عليها والمؤلفة قلوبهم مفرقات إلى أن قال فريضة من
+
+168
+00:17:59,130 --> 00:18:08,080
+الله، فريضة من الله، مفروض، فرضعلى أغنياء المسلمين
+
+169
+00:18:08,080 --> 00:18:13,620
+أن يخرجوا جزء من أموالهم يسلموه أو يدفعوه لبيت مال
+
+170
+00:18:13,620 --> 00:18:19,940
+المسلمين ومن ثم بيت المال يوزع هذه الأموال على
+
+171
+00:18:19,940 --> 00:18:26,560
+الفقراء والمحتاجين والغارمين والمؤلف قلوبهم وأصحاب
+
+172
+00:18:26,560 --> 00:18:33,260
+الحاجة وابن السبيل وفي سبيل الله فعندما
+
+173
+00:18:35,320 --> 00:18:46,020
+نجد أنه لو أنا إنسانا قتل إنسان خطأ يحدث أو تسبب
+
+174
+00:18:46,020 --> 00:18:55,240
+في اتلاف يعني عضو شخص آخر خطأ ماذا
+
+175
+00:18:55,240 --> 00:19:01,370
+.. ما الحكم في الشريف الإسلام؟هل يترك هذا الشخص
+
+176
+00:19:01,370 --> 00:19:10,590
+القاتل لحاله و لنفسه يتدبر أمره بنفسه ليه؟ كيدفع
+
+177
+00:19:10,590 --> 00:19:18,890
+دية القتيل من ماله الخاص؟ لأ لأ
+
+178
+00:19:18,890 --> 00:19:27,150
+هناك شيء اسمه العاقلة العاقلة هي التي تتكفل أو
+
+179
+00:19:27,150 --> 00:19:34,800
+تتكلفبدفع الديا توزع الأموال لما يكون القيلة فيها
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+180
+00:19:34,800 --> 00:19:41,080
+مية ولا متين رجل بالغ مثلا لو كل واحد دفعله خمسين
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+181
+00:19:41,080 --> 00:19:47,280
+دينار مية دينار سبعة الحمل إذا توزع بنجال بقوله
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+182
+00:19:47,280 --> 00:19:52,900
+وهذا مش على كيفه هذا واجب عليهم لكن يا إخوة إذا
+
+183
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+كانت عملية القتل أو الإتلاف خطأعشان مانشجعش
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+184
+00:19:59,410 --> 00:20:07,270
+المجرمين لكن إذا كان القاتل متعمد لا تجبر العائلة
+
+185
+00:20:07,270 --> 00:20:17,470
+على المشاركة في دفع الديع أو دفع التعويض لأن
+
+186
+00:20:17,470 --> 00:20:25,690
+المجرم إذا عرف إن العيلة هتدفع سيتمادى في الإجرام
+
+187
+00:20:25,690 --> 00:20:32,840
+ولا لألكن بالخطأ يعني خطأ رفع عن أمة الخطأ ليس
+
+188
+00:20:32,840 --> 00:20:39,840
+مقصودا فولو ترك لشأنه ادّيه يا اخوة ادّيه عارفين
+
+189
+00:20:39,840 --> 00:20:47,700
+ادّيه الف دينار ذهبية او مائة ناقة يعني مبلغ طائل
+
+190
+00:20:47,700 --> 00:20:51,560
+الف دينار ذهبية عارفين يا ديش بتطلع الدينار زي ما
+
+191
+00:20:51,560 --> 00:20:55,380
+قلتلك قبل ايدي ممكن مرة اربع جرامات و نص او ربع
+
+192
+00:20:57,030 --> 00:21:04,110
+يعني اربع تلاف و خمسمية جرام، اربع كيلو نص ذهب،
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+193
+00:21:04,110 --> 00:21:09,970
+اربع تلاف و خمسمية في تلاتين، في تلاتين دينار او
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+194
+00:21:09,970 --> 00:21:16,910
+اكتر، يعني لو كان مين مكان الواحد؟ حوالي مية و
+
+195
+00:21:16,910 --> 00:21:18,990
+تلاتين الف دينار وفق ده، وفق ال ..
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+196
+00:21:23,750 --> 00:21:28,270
+طبعا يا إخوانا وفق اجتهادات أخرى، يعني في اجتهادات
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+197
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+198
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+هنا لكي في فترة انتشرة وكثرة فيها القتل والاعتداء
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+199
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+عن الناس بينهم بعضهم البعض وحتى يسهلوا دفع الديا
+
+200
+00:21:47,440 --> 00:21:53,580
+على يعني الناس فحصروا
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+201
+00:21:53,580 --> 00:22:00,190
+او قيدوا الديا بـ 25 ألف ديناروربما هذا من باب
+
+202
+00:22:00,190 --> 00:22:07,250
+التسهيل لأنه لو حاولت تجبر الناس أو تطلع تقول
+
+203
+00:22:07,250 --> 00:22:14,230
+للناس 100 و 150 ألف ربما يمتنعوا عن الدفع وبالتالي
+
+204
+00:22:14,230 --> 00:22:20,350
+تزداد الإشكالات فبعض العلماء يعني حاول يجد تخريج
+
+205
+00:22:20,350 --> 00:22:25,790
+معين ويحسبها بطريقة معينة لأنه ممكن أنا ال 100 من
+
+206
+00:22:25,790 --> 00:22:31,940
+القبل يا إخوةفي بلادهافي السودان في بعض الأماكن
+
+207
+00:22:31,940 --> 00:22:37,380
+تكون تساوي ال 25 ألف دينار اليوم مثلا يعني اه لكن
+
+208
+00:22:37,380 --> 00:22:41,360
+و من هنا قد تختلف التقييمات من .. لكن لو احنا بدنا
+
+209
+00:22:41,360 --> 00:22:45,640
+نيجي نحسبها بالذهب لأنه في ثلاثة .. ستة أصول ل ..
+
+210
+00:22:45,640 --> 00:22:51,500
+ل .. ل .. ل .. ل .. لحساب ال .. ال .. الديات الذهب
+
+211
+00:22:51,500 --> 00:22:55,780
+و .. و ال .. طبعا الاصل الأول هو ال .. ال ..
+
+212
+00:22:55,780 --> 00:23:01,200
+الجمال و النياقو .. و الاصل الثاني الذهب و الاصل
+
+213
+00:23:01,200 --> 00:23:08,960
+الثالث الفضة و هناك ايضا اصل رابع و هو الحلل بمعنى
+
+214
+00:23:08,960 --> 00:23:17,120
+يعني القماش في بعض البلدان او .. و .. يعني على كل
+
+215
+00:23:17,120 --> 00:23:24,980
+الأحوال لكن اكثر يعني اصل مؤتمد هو الجمال و الذهب
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+216
+00:23:24,980 --> 00:23:35,640
+حقيقةبغض النظر الملاحظ أن الإسلام من خلال أحكامه
+
+217
+00:23:35,640 --> 00:23:44,140
+وتشريعاته كان دامنا لأمن وأمان الناس كان دامنا
+
+218
+00:23:44,140 --> 00:23:51,940
+لعثرات ونكبات ومصائب الناس لا يقف الإسلام مكتوف
+
+219
+00:23:51,940 --> 00:24:00,870
+الأيديأمام ما يواجه الناس من مصائب ومصائب وبل إما
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+220
+00:24:00,870 --> 00:24:09,290
+أن يقوم بيت المال نفسه بمد يد العون والتعويض أو من
+
+221
+00:24:09,290 --> 00:24:16,710
+خلال العائلة أو من خلال بعض الأحكام هنا و هناك
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+222
+00:24:16,710 --> 00:24:20,670
+وبالتالي يا أخواه لم يكن ثم تحاجة
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+223
+00:24:23,500 --> 00:24:29,900
+لم يكن ثم تحاجة لإيش؟ لعقد التأمين، عقد التأمين
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+224
+00:24:29,900 --> 00:24:41,020
+أقول لما .. لما تخلت الحكومات عن مهماتهافي تعويض
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+225
+00:24:41,020 --> 00:24:48,240
+الناس في مدية العُن للناس لما تخلت عن تحكيم شريعة
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+226
+00:24:48,240 --> 00:24:57,380
+الله التي تقتضي بإعطاء الفقراء والمساكين والعاقلة
+
+227
+00:24:57,380 --> 00:25:04,520
+وغير ذلك يعني في الآخر برضه المصائب والنكبات
+
+228
+00:25:04,520 --> 00:25:12,230
+والكوارث لا تنتهي وإذا كان الناسأو التشريع الذي
+
+229
+00:25:12,230 --> 00:25:22,230
+يحتكم اليه الناس لا يوجد فيه ما .. ما
+
+230
+00:25:22,230 --> 00:25:28,770
+.. ما .. ما ينتج عنه من تعويض لهؤلاء الذين قاعدوا
+
+231
+00:25:28,770 --> 00:25:36,270
+في النكبات فمن هنا بدأت الحاجةبدأت الحاجة لظهور
+
+232
+00:25:36,270 --> 00:25:42,450
+عقود التأمين الخاصة هذه عقود التأمين ولذلك يا اخوة
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+233
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+اول ما ظهرت ..ظهرت مش عند المسلمين هي ظهرت عند
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+234
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+المسلمين متأخرا اول ما ظهرت ..ظهرت في اوروبا لان
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+235
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+في اوروبا ماكنش في يعني هذه الحكومات تقوم بواجبها
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+236
+00:25:58,790 --> 00:26:07,770
+نحوشعوبها خاصة في الأصول الوسطى وإلى غير ذلك وكانت
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+237
+00:26:07,770 --> 00:26:13,870
+الاعتداءات والمصائب التي تحدث سواء من حريق أو غرق
+
+238
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+أو سرقات أو قرصانة في البحر أو في الجوو لا يستطيع
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+239
+00:26:19,200 --> 00:26:26,020
+الإنسان أن يأمن على ماله و على ممتلكاته فطهرت
+
+240
+00:26:26,020 --> 00:26:34,180
+الحاجة إلى عقود التأمين انضرت شركات بتقول
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+241
+00:26:34,180 --> 00:26:42,160
+أنا مستعد عوضك يا أيها التاجر يا أيها الصانع يا
+
+242
+00:26:42,160 --> 00:26:47,140
+أيها الشخص الذي يهددك احتمال
+
+243
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+مصاب معين من كارثة بيئي ولا كارثة بحرية ولا برية
+
+244
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+ايه انا مستعد لكن عاوز انا تدفعلي مبلغ معين نتفق
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+245
+00:27:02,390 --> 00:27:06,010
+عليه حتى
+
+246
+00:27:06,010 --> 00:27:14,230
+اذا وقع لك هذا الامر عوّطكمن هنا بدأت الحاجة وقبل
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+247
+00:27:14,230 --> 00:27:21,670
+الناس أن يدفعوا هذه المبالغ تأمينا على أموالهم
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+248
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+وممتلكاتهم قبل ذلك رغم أن المبالغ التي كانت تدفع
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+249
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+كأقصاد كانت مبالغ كبيرة في ذلك الوقت كبيرة جدا
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+250
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+وصلت إلى نحو ثلث قيمة المال المؤمن عليهيعني إذا
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+251
+00:27:42,100 --> 00:27:46,520
+أنا المال اللي بدي أمنه بيساوي مائة ألف دينار، بدي
+
+252
+00:27:46,520 --> 00:27:51,120
+أدفع تلاتين ألف دينار تأمين، إذا أنا يعني عندي
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+253
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+بطاقة بدي أنجلها من فرنسا لتركيا عن طريق البحر
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+254
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+مسافة طويلة مثلامبلغ 100 الف دينار عشان انا اضمن
+
+255
+00:28:05,200 --> 00:28:10,200
+ال .. ال .. البضاعة تصل و اذا ماوصلتش غرجة او
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+256
+00:28:10,200 --> 00:28:16,080
+القراصنة يتدعو عليها و سنجوها يعني .. يعني اضمن من
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+257
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+يعوضني يا شركة التمين جلد انا المستعدقالتلك بدي
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+258
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+انا حوالي ثلث يعني مبلغ كبير جدا ومع ذلك قابله لأن
+
+259
+00:28:27,070 --> 00:28:31,730
+التهديد كان كبير والمصاب كبير ويقولك انا ادفع
+
+260
+00:28:31,730 --> 00:28:36,710
+تلاتين الفوبعدين أنا بعوض ان التجار بيغلبوش في
+
+261
+00:28:36,710 --> 00:28:41,910
+الآخر التجار بيزيدها على رأس المال والسلع بدل ما
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+262
+00:28:41,910 --> 00:28:48,130
+تنبع دينار تنبع دينار نص في الآخر يعني تزاد على
+
+263
+00:28:48,130 --> 00:28:55,110
+التكاليف والمستهلك هو الذي يتحمل في النهاية كل هذه
+
+264
+00:28:55,110 --> 00:28:59,730
+الزيادات فبقولك أنا بدفع التلاتين ألف ولا يروح كل
+
+265
+00:28:59,730 --> 00:29:06,550
+مالي وكل مستقبلي وكل حياتيو .. و ربما تكون هذه
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+266
+00:29:06,550 --> 00:29:11,770
+الشركات يعني لها تواصل مع القراصنة و مع ال .. ال
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+267
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+.. غيرهم يعني لا أستبعد ذلك في ذلك الزمان لكن اللي
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+268
+00:29:17,950 --> 00:29:23,050
+عاوز أصله يا أخوة أنه رغم يعني أنه كانت المبالغ
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+269
+00:29:23,050 --> 00:29:29,190
+طائلة إلا أنهم شعروا بنوع من الأمان والاطمئنان
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+270
+00:29:29,190 --> 00:29:38,490
+بدفع الثلث لكنأنا بكون مطمئن مش على .. على مالي و
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+271
+00:29:38,490 --> 00:29:43,290
+مأمن اللي هو وصل بسلام الحمد لله ماوصلش في هناك
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+272
+00:29:43,290 --> 00:29:51,090
+ضامن و هناك مؤمن لكن و بعد أن شعر الناس بنوع من
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+273
+00:29:51,090 --> 00:29:58,450
+الاستقرار او نوع من تحقيق بعض الأهداف و الأمان لهم
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+274
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+لكن في نفس الوقت هم مشاعرين بأنه في ظلم من قبل
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+275
+00:30:03,850 --> 00:30:09,130
+شركات التأمين هذه، طبعا شركات التأمين هذه في
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+276
+00:30:09,130 --> 00:30:16,340
+أساسها هم أصحاب رؤوس أموال طائلةاللي طبعا .. لإنه
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+277
+00:30:16,340 --> 00:30:20,960
+أساسا مجرد إن هم شركات التأمين يا أخوة مستودعات
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+278
+00:30:20,960 --> 00:30:24,520
+للأموال لإن .. لإن ان انت بتدفع و هذا بيدفع و هذا
+
+279
+00:30:24,520 --> 00:30:28,380
+بيدفع تصير عنده أموال طائلة ممكن يشغلها تزداد زي
+
+280
+00:30:28,380 --> 00:30:31,540
+البلوك بالظبط شرك .. ولذلك شركات التأمين و أصحاب
+
+281
+00:30:31,540 --> 00:30:35,500
+شركات التأمين من أغنى يعني الشركات و من أغنى
+
+282
+00:30:35,500 --> 00:30:39,120
+الشخصيات أصحاب شركات التأمين لإنه عندك مستودع
+
+283
+00:30:39,120 --> 00:30:45,230
+للأموالو بعدين انت لما تصدف يصير في حادث انت
+
+284
+00:30:45,230 --> 00:30:50,250
+بتستعد بتعويضه هذا المال انت يمكن ان تنميه و
+
+285
+00:30:50,250 --> 00:30:55,070
+تستثمره يعني و بت .. اذا كنا .. اذا كان عندك يعني
+
+286
+00:30:55,070 --> 00:30:58,010
+نوع من القدرات التجارية و الإدارية
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+287
+00:31:03,730 --> 00:31:09,150
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+
+288
+00:31:09,150 --> 00:31:15,870
+بدؤوا يا إخوة الناس أو المؤمنين المستأمنين بدأوا
+
+289
+00:31:15,870 --> 00:31:20,470
+يستشعروا بنوع من الظلم يعني 30% ولا ثلث شيء كثير
+
+290
+00:31:20,470 --> 00:31:24,950
+بالفعل فبدأت
+
+291
+00:31:24,950 --> 00:31:32,550
+الحكومات أيضاتستشعر كذلك بهذا الظلم بعد أن صار في
+
+292
+00:31:32,550 --> 00:31:39,110
+استقرار في الحكومات فبدأت تتدخل وتقنن
+
+293
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+هذه النسب بشكل متوازن وبشكل موضوعي ومعقولو أصبح
+
+294
+00:31:51,810 --> 00:31:56,850
+لها نوع أصبحت غير متروكة الشركات لوحدها تقرر كيف
+
+295
+00:31:56,850 --> 00:32:00,850
+تشاء وتضع النسب التي تشاء هذا كان عند البدايات
+
+296
+00:32:00,850 --> 00:32:06,670
+عندما بدأت الظهور لكن يعني بعد أن بدأ الناس يعني
+
+297
+00:32:06,670 --> 00:32:11,550
+يستشعرون بالظلم وفي نفس الوقت يريدون أن ينتشر هذا
+
+298
+00:32:11,550 --> 00:32:17,450
+الأمر ويريدون شركات التأمين أن تنتشرفبدأت الحكومة
+
+299
+00:32:17,450 --> 00:32:23,050
+تتدخل و تضع نسب و صار يكون إلها حتى الحكومة يا
+
+300
+00:32:23,050 --> 00:32:27,890
+إخوان في إلها من شركات التأمين أو من نسبة التأمين
+
+301
+00:32:27,890 --> 00:32:34,090
+اللي بتاخدها من الناس بيكون إلها نسبة معينة في ذلك
+
+302
+00:32:34,090 --> 00:32:41,160
+على كل الأحواليعني بعد ان بدأت شركات التأمين بال
+
+303
+00:32:41,160 --> 00:32:46,560
+.. بال .. او بعد ان بدأت الحكومة تتدخل في عمل
+
+304
+00:32:46,560 --> 00:32:56,100
+شركات التأمين بدأت الحاجة الىبدأت يعني تنتشر شركات
+
+305
+00:32:56,100 --> 00:33:00,420
+التأمين بشكل أكبر بعد أن تدخلت الحكومات وقننت
+
+306
+00:33:00,420 --> 00:33:09,540
+عملها وخفت نسبة الأقصاد بدأت يعني بدأ الإقبال يكون
+
+307
+00:33:09,540 --> 00:33:16,340
+أكبر على شركات التأمين وبدأت تعامل وبدأت الحكومات
+
+308
+00:33:16,340 --> 00:33:21,220
+تجعل من التأمين شيء المفروض على كثير من الأعمال
+
+309
+00:33:23,030 --> 00:33:29,090
+تفتح مصنع وتجيب عمال لازم تأمن على العمال عشان انت
+
+310
+00:33:29,090 --> 00:33:33,970
+بدك تستورد الضاعة لازم تعمل تأمين يعني وهذا بيكون
+
+311
+00:33:33,970 --> 00:33:37,470
+مفروض مش على كيفك يعني في الأول أمر مضروك إذا انت
+
+312
+00:33:37,470 --> 00:33:40,890
+بدك تأمن على الأسرة مابتكاش لكن اليوم بدأت
+
+313
+00:33:40,890 --> 00:33:46,130
+الحكومات تفرض هذه التأمين في كثير من المجالات وإن
+
+314
+00:33:46,130 --> 00:33:50,340
+كانت تتركه يعني في مجالات أخرىأو تفرجه في بعض
+
+315
+00:33:50,340 --> 00:33:55,680
+الأعمال مما أصبح .. مما جعل أقود التأمين لها
+
+316
+00:33:55,680 --> 00:34:00,940
+ارتباطات بكثير من المصالح و أصبح من غير المعقول أو
+
+317
+00:34:00,940 --> 00:34:05,820
+من غير المتصور أن تترك يا أخوة أيه .. أن .. أن ..
+
+318
+00:34:05,820 --> 00:34:15,420
+أن تتسهل و ..و تسير مصالح الناس بدون عقود التأمين
+
+319
+00:34:15,420 --> 00:34:19,840
+انا خلّيني قبل ما تنتهي المحاضرة ارجع و اقول ان
+
+320
+00:34:19,840 --> 00:34:25,440
+انتشار او عدم وجود عقود التأمين في بلاد المسلمين
+
+321
+00:34:25,440 --> 00:34:29,800
+لم يكن شيئا سلبيا او مظهرا من المظاهر السلبية لان
+
+322
+00:34:29,800 --> 00:34:35,860
+الحكومةوالخلافة وبيت المال هو الذي كان يرعى كل هذه
+
+323
+00:34:35,860 --> 00:34:42,500
+الأمور والناس لم يحتاجوا إلى هذا الحاجة هم
+
+324
+00:34:42,500 --> 00:34:47,620
+الإختراع هم اللي جعل الأوروبيين يبحثوا عن شركات
+
+325
+00:34:47,620 --> 00:34:53,540
+تأمينهو أنهم لم يجدوا من يراعاهم، لم يجدوا حكومة
+
+326
+00:34:53,540 --> 00:34:58,860
+أو خلافة تراعاهم ولم يجدوا تعاون بين الناس فاضطروا
+
+327
+00:34:58,860 --> 00:35:02,380
+إلى التوجه إلى شركات التأمين التي بدأت في بداية
+
+328
+00:35:02,380 --> 00:35:09,160
+مشوارها إلى وضع الأرقام أو النسب العالية والظالمة
+
+329
+00:35:09,160 --> 00:35:15,760
+التي تريدهالكن يا اخوة في نفس الوقت نريد ان نقول
+
+330
+00:35:15,760 --> 00:35:22,880
+انه بعد ان تدخلت الحكومات و شرعنت و قننت اصبح اصبح
+
+331
+00:35:22,880 --> 00:35:27,760
+عقد التأمين اليوم خاصة التجاري منه اللي هنتكلم عنه
+
+332
+00:35:27,760 --> 00:35:34,640
+فيما بعد اصبح يعني يوفر للناس كثيرا من الأهداف و
+
+333
+00:35:34,640 --> 00:35:39,080
+كثيرا من المصالح اللي احنا ان شاء الله هنحكي عنها
+
+334
+00:35:39,080 --> 00:35:43,670
+فييأتي من محاضرات شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/UQKV2YczyMo.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/UQKV2YczyMo.srt
new file mode 100644
index 0000000000000000000000000000000000000000..7ce48b577cfba39c1dc1d7732fffa5a86665d5d0
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/UQKV2YczyMo.srt
@@ -0,0 +1,1330 @@
+1
+00:00:20,820 --> 00:00:26,680
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:26,680 --> 00:00:31,840
+على رسول الله وعلى آله وصحبه ومن اهتدى بهديه
+
+3
+00:00:31,840 --> 00:00:37,660
+واستقام بسنته إلى يوم الدين وبعده
+
+4
+00:00:37,660 --> 00:00:43,100
+نسألك اللهم ربنا أن تيسر لنا أمورنا وأن تشرح لنا
+
+5
+00:00:43,100 --> 00:00:49,920
+صدورنا وأن تعلمنا ما ينفعنا وأن تنفعنا بما علمتنا
+
+6
+00:00:51,430 --> 00:00:56,890
+وأن تسدد على الحق جميع خطانا يا رب العالمين وبعد
+
+7
+00:00:56,890 --> 00:01:04,570
+نواصل حديثنا حول حق التأليف والذي كنا قد ابتدأنا
+
+8
+00:01:04,570 --> 00:01:09,510
+الحديث فيه في المحاضرة السابقة ربما أو التي قبلها
+
+9
+00:01:09,510 --> 00:01:17,190
+حيث عرفنا حق التأليف وعرفنا أنه صورة من صور الحقوق
+
+10
+00:01:17,190 --> 00:01:22,770
+المعنوية إجمالًا أو الحقوق الإبداعية على وجه الخصوص
+
+11
+00:01:22,770 --> 00:01:32,270
+صورة من صورها وأنه ذلك الكلام المدون الذي ينطوي
+
+12
+00:01:32,270 --> 00:01:39,330
+على عمل إبداعي أيًّا كانت درجته
+
+13
+00:01:39,330 --> 00:01:46,010
+ومهما كانت أهميته، وفهمنا من ذلك أن المؤلفات ليس
+
+14
+00:01:46,010 --> 00:01:51,410
+بالضرورة، المؤلفات ليس بالضرورة أن تكون عملًا
+
+15
+00:01:51,410 --> 00:01:58,130
+إبداعيًا بالكلية، ولكن يمكن أن يكون الإبداع جزئيًا من
+
+16
+00:01:58,130 --> 00:02:03,940
+خلال شرح كتاب سابق أو اختصاره أو إضافة تعليقات
+
+17
+00:02:03,940 --> 00:02:11,640
+عليه أو تخريجات أو توضيحات، كل ذلك يعتبر إبداعًا
+
+18
+00:02:11,640 --> 00:02:17,520
+حتى أن الترجمة اعتبرناها إبداعًا ما دامت قد بذلت
+
+19
+00:02:17,520 --> 00:02:23,720
+فيها جهدًا ولم تكن عبر الكمبيوتر، ضغط زر، هذه ما
+
+20
+00:02:23,720 --> 00:02:29,810
+نسميها إبداعًا بالضبط، وبالتالي، خرج عن كونه إبداعًا
+
+21
+00:02:29,810 --> 00:02:36,070
+المؤلف أو ما يسمى مؤلفًا وهو ليس كذلك الذي يتم عن
+
+22
+00:02:36,070 --> 00:02:41,810
+طريق تجميع صفحات من هنا وصفحات من هناك، هذه ليست
+
+23
+00:02:41,810 --> 00:02:46,870
+مؤلفات، ولا يجوز ولا ينبغي أن يدعي أصحابها أو من
+
+24
+00:02:46,870 --> 00:02:53,950
+قاموا بذلك أن لهم أي حقوق فيها لأنها ليست من
+
+25
+00:02:53,950 --> 00:03:00,430
+إبداعهم، وإن قاموا بتجميعها ببذل قليل من
+
+26
+00:03:00,430 --> 00:03:06,190
+الوقت أو الجهد، ثم
+
+27
+00:03:06,190 --> 00:03:10,450
+قلنا بعد ذلك أن أهل القانون
+
+28
+00:03:13,130 --> 00:03:18,150
+والدساتير الوضعية في العصور الحديثة قد أثبتوا
+
+29
+00:03:18,150 --> 00:03:24,510
+للمؤلفين حقوقًا مادية إضافة إلى الحق الأدبي الذي
+
+30
+00:03:24,510 --> 00:03:30,430
+اجتمعت عليه كلمة العالمين، الحق الأدبي اجتمع عليه
+
+31
+00:03:30,430 --> 00:03:37,630
+كلمة العالمين قديماً وحديثاً، والمقصود بذلك ثبوت نسبة
+
+32
+00:03:37,630 --> 00:03:45,510
+المؤلف لمؤلفه، فهذا مما لا يختلف فيه اثنان من الناس
+
+33
+00:03:45,510 --> 00:03:59,530
+بل إن كل عقل يستنكر ويجرم ويحرم أن يدعي شخص نسبة
+
+34
+00:03:59,530 --> 00:04:07,870
+كتاب لم يقم بفعله أو بتدوينه أو بتأليفه، هذا مستنكر
+
+35
+00:04:07,870 --> 00:04:15,470
+تمامًا كما يستنكر نسب الولد لغير أبيه لأن هذا
+
+36
+00:04:15,470 --> 00:04:22,890
+المؤلف كالولد بالنسبة لأبيه، الولد بالنسبة لأبيه،
+
+37
+00:04:22,890 --> 00:04:29,830
+كالمؤلف بالنسبة لمؤلفه من حيث ضرورة ثبوت النسبة،
+
+38
+00:04:29,830 --> 00:04:35,390
+هل يقبل أحد أن يُنسب ولده لغيره؟ لا، كذلك لا يقبل
+
+39
+00:04:35,390 --> 00:04:43,470
+أحد أن يُنسب المؤلف لغير المؤلف، والمؤلف قلنا بمعناه
+
+40
+00:04:43,470 --> 00:04:47,650
+العام، ليس بالضرورة أن يكون المؤلف كتابًا، ولكن
+
+41
+00:04:47,650 --> 00:04:54,170
+يمكن أن يكون غير ذلك، ممكن أن يكون المؤلف
+
+42
+00:04:55,550 --> 00:05:03,650
+منتجًا فنيًا، ممكن أن يكون منتجًا إلكترونيًا أو إلى
+
+43
+00:05:03,650 --> 00:05:09,590
+غير ذلك، ممكن أن يكون رسومًا معينة، كل ذلك منتجات أو
+
+44
+00:05:09,590 --> 00:05:16,730
+مؤلفات عقلية تُدوّن كتابةً أو رسمًا أو إبداعًا في هذا
+
+45
+00:05:16,730 --> 00:05:26,400
+المجال أو ذاك، قلت إن القوانين تجيز أو تعطي حق
+
+46
+00:05:26,400 --> 00:05:36,320
+المؤلفين المالي مقابل مؤلفاتهم إضافة إلى الحق
+
+47
+00:05:36,320 --> 00:05:41,900
+الأدبي، وكذلك
+
+48
+00:05:41,900 --> 00:05:47,740
+قلنا بأن علماء
+
+49
+00:05:47,740 --> 00:05:55,830
+العلماء، علماء الشريعة الإسلامية لا ينكرون إثبات
+
+50
+00:05:55,830 --> 00:06:00,470
+الحق الأدبي لأن هذا مما تم الإجماع عليه، أما
+
+51
+00:06:00,470 --> 00:06:08,430
+بالنسبة للحق المادي فقلت المرة الماضية بأنه لا
+
+52
+00:06:08,430 --> 00:06:16,730
+يوجد خلافا في الحقيقة بين علماء المسلمين في ثبوت أو في
+
+53
+00:06:16,730 --> 00:06:25,810
+جواز أخذ بدل مالي عن حقوق التأليف، لا ينكر ذلك
+
+54
+00:06:25,810 --> 00:06:28,830
+علماء الشريعة، لا يمنعون ذلك في الجملة
+
+55
+00:06:32,060 --> 00:06:39,440
+إذن، ماذا عن الخلاف الذي نراه في الكتاب أو
+
+56
+00:06:39,440 --> 00:06:44,280
+شرحناه في المحاضرة؟ نحن وجدنا اختلافًا بين العلماء
+
+57
+00:06:44,280 --> 00:06:50,760
+بين مجيز ومنع لأخذ البدل المالي، قلت أن هذا الخلاف
+
+58
+00:06:50,760 --> 00:07:00,170
+مُنطلقه فيما إذا كان أخذ البدل المالي يسبب ماذا؟
+
+59
+00:07:00,170 --> 00:07:06,760
+كتمانًا للعلم أو تضييقًا لدائرة نشره، هذه المسألة التي
+
+60
+00:07:06,760 --> 00:07:10,780
+بين أيدينا والتي فيها خلاف والتي نتحدث فيها من
+
+61
+00:07:10,780 --> 00:07:14,960
+المرة التي فاتت واليوم، هنكملها، هي ماذا؟ هي لا
+
+62
+00:07:14,960 --> 00:07:21,340
+تتعلق بمبدأ أخذ البدل المالي، فمبدأ أخذ البدل
+
+63
+00:07:21,340 --> 00:07:26,180
+المالي يكاد يكون مجمعًا عليه ومعروفًا قديماً وحديثاً، و
+
+64
+00:07:26,180 --> 00:07:32,140
+دللنا على ذلك من حيث كيف كان علماء المسلمين يجدون
+
+65
+00:07:32,140 --> 00:07:37,420
+الرعاية المالية والمادية من قبل الحكومات، والخلافات
+
+66
+00:07:37,420 --> 00:07:46,340
+هناك حيث يعني يقدمون لهم كل ما يحتاجونه من المسكن
+
+67
+00:07:46,340 --> 00:07:52,600
+والمأكل والمشرب والراحلة وغير ذلك، وكل ذلك ما هو
+
+68
+00:07:52,600 --> 00:07:57,980
+إلا بدلًا ماليًا وماديًا مقابل جهودهم الفكرية ومقابل
+
+69
+00:07:57,980 --> 00:08:04,410
+مؤلفاتهم ومدوناتهم، ولم نجد أحدًا من العلماء على مر
+
+70
+00:08:04,410 --> 00:08:11,470
+العصور المتعاقبة ينكرون هذا الأمر، ينكرون أخذ هؤلاء
+
+71
+00:08:11,470 --> 00:08:17,670
+مثل هذه البدلات المادية مقابل مؤلفاتهم، إذن
+
+72
+00:08:17,670 --> 00:08:23,090
+المسألة ليست في محل خلاف حقيقة، ولكن عندما يصبح
+
+73
+00:08:23,090 --> 00:08:28,570
+أخذ البدل المالي سببًا في الكتمان أو في تضييق
+
+74
+00:08:28,570 --> 00:08:34,300
+الدائرة كما هو في عصرنا، وأيضًا نظرنا في المسألة
+
+75
+00:08:34,300 --> 00:08:40,560
+أو يعني ووجدنا اختلافًا، ورغم ذلك وجدنا أن جمهور
+
+76
+00:08:40,560 --> 00:08:47,550
+العلماء قالوا بجواز أخذ البدل المالي، مهما
+
+77
+00:08:47,550 --> 00:08:54,150
+كانت النتائج، وقلنا إلا إذا وصل الأمر إلى ما فيه
+
+78
+00:08:54,150 --> 00:08:59,250
+ضرر على الأمة، إذا كان هذا المنتج الفكري، المؤلف
+
+79
+00:08:59,250 --> 00:09:03,530
+يعود بالمنفعة العظمى على الأمة بحيث لو لم ينتفع به
+
+80
+00:09:03,530 --> 00:09:12,960
+ستتخلف الأمة أو ستضر، معناها في هذه الحالة نحن
+
+81
+00:09:12,960 --> 00:09:19,820
+نجبره إجبارًا على المؤلف وعلى أخذ البدل المالي، على
+
+82
+00:09:19,820 --> 00:09:29,060
+أخذ مؤلفه، وفي المقابل نعطيه، نعطيه ماذا؟ بدلًا
+
+83
+00:09:29,060 --> 00:09:35,450
+ماليًا، بمعنى أنه عندما نجبره لا نُغمِط حقه، عندما
+
+84
+00:09:35,450 --> 00:09:41,490
+نجبره على الانتفاع، انتفاع المجتمع، أصحاب الرأي
+
+85
+00:09:41,490 --> 00:09:45,570
+الأول حتى، أصحاب الرأي الثاني، نعم، إذن حتى عندما
+
+86
+00:09:45,570 --> 00:09:53,170
+يُجبَر على ذلك، لا يُغمَط حقه، هذا إجمالًا في الضرورة،
+
+87
+00:09:53,170 --> 00:10:02,950
+فلذلك يا إخوة، المسألة كما قلت، عندما
+
+88
+00:10:06,370 --> 00:10:10,330
+لأصحاب الرأي الأول الذين يقولون بجواز الانتفاع
+
+89
+00:10:10,330 --> 00:10:15,030
+وبالتالي جواز التصرف، يعني دائرة أوسع وهي
+
+90
+00:10:15,030 --> 00:10:20,750
+حقه في التصرف كيف يشاء، بمعنى يجوز أن يأخذ
+
+91
+00:10:20,750 --> 00:10:28,450
+البدل ويجوز أن يمنعه عن غيره، يمنعه عن غيره، نحن
+
+92
+00:10:28,450 --> 00:10:31,690
+نقول هو حر، وقلت المرة التي فاتت، يمكن أن كنتم
+
+93
+00:10:31,690 --> 00:10:36,270
+تذكرون أن أصحاب هذا الرأي الأول، جمهور العلماء
+
+94
+00:10:36,270 --> 00:10:41,710
+يتعاملون مع هذا المنتج الفكري أو المؤلف باعتباره
+
+95
+00:10:41,710 --> 00:10:49,340
+شيئًا مملوكًا ماديًا، باعتباره شيئًا مملوكًا ماديًا، فكما أن
+
+96
+00:10:49,340 --> 00:10:56,420
+من حق كل شخص أن يتصرف في ممتلكاته المادية كيف يشاء، من
+
+97
+00:10:56,420 --> 00:11:02,000
+حقه أن يبيعه أو يؤجره أو أن لا يفعل شيئًا من ذلك، أن
+
+98
+00:11:02,000 --> 00:11:07,670
+يمنعه عن أن ينتفع به أحد، عن أن يشتريه أحد، أليس من
+
+99
+00:11:07,670 --> 00:11:13,910
+حقه؟ فكذلك المنتج الفكري، لكن، وكذلك، وهذا مثل
+
+100
+00:11:13,910 --> 00:11:17,930
+المنتج المادي، إذا كانت الأمة أو الدولة أو المجتمع
+
+101
+00:11:17,930 --> 00:11:26,410
+في حاجة إلى هذا الشيء ماديًا أو معنويًا، يُجبَر على تركه
+
+102
+00:11:26,410 --> 00:11:34,660
+ولكن بمقابل، يُجبَر على بيعه أو تأجيره ولكن دون أن
+
+103
+00:11:34,660 --> 00:11:40,540
+يُغمَط حقه، لكن إن لم تكن ثمة ضرورة في الأحوال
+
+104
+00:11:40,540 --> 00:11:44,640
+العادية، لا يُجبَر، للأشخاص العاديين، له الحق في أن
+
+105
+00:11:44,640 --> 00:11:50,640
+يبيع أو يشتري أو يمتنع عن البيع أو الشراء، له
+
+106
+00:11:50,640 --> 00:11:54,960
+السلطة الكاملة، أما المانعين يا إخوة، الذين يقولون
+
+107
+00:11:54,960 --> 00:12:00,160
+يجوز أخذ البدل المالي، هذا جزء من رأيهم، يعني
+
+108
+00:12:00,160 --> 00:12:05,520
+يجوز أخذ البدل المالي ويجوز أن يمتنع عن ماذا أيضًا؟
+
+109
+00:12:06,130 --> 00:12:14,310
+التصرف فيه، يجوز أن يمتنع عن نشره، يجوز أن يمتنع
+
+110
+00:12:14,310 --> 00:12:19,930
+عن بيعه، عن تأجيره، هذا ملكي بالضبط، وزي ما أنا
+
+111
+00:12:19,930 --> 00:12:23,690
+في المرة التي فاتت قلت، أنا عندي منزلين، واحد مستأجر ساكن
+
+112
+00:12:23,690 --> 00:12:28,350
+فيه والآخر ليس فيه أحد، ممكن يجبروني أن أُؤجّره
+
+113
+00:12:28,350 --> 00:12:34,850
+أو أبيعه؟ لا، لا أحد، مع أنه أنا لست أستفيد
+
+114
+00:12:34,850 --> 00:12:38,450
+منه، ربما واحد يقول، دع الناس تستفيد، لا، ليس عليّ
+
+115
+00:12:38,450 --> 00:12:43,990
+دعوة، لست مجبرًا على ذلك، إلا في حالة استثنائية، إلا
+
+116
+00:12:43,990 --> 00:12:50,050
+إذا كان هناك حالة ضرورية تقتضي الانتفاع بهذا
+
+117
+00:12:50,050 --> 00:12:57,770
+المسكن، وعندها يُجبَر على التخلي عنه بمقابل
+
+118
+00:12:57,770 --> 00:13:09,310
+الإيجار، بالضبط، هذه هي المسألة، واستدلوا
+
+119
+00:13:09,310 --> 00:13:15,090
+بأدلة ذكرناها وفصلناها، لكن الرأي الآخر، انظروا هنا
+
+120
+00:13:15,090 --> 00:13:22,850
+الرأي الآخر قال، لا، في حالة ما إذا كان المنتج
+
+121
+00:13:22,850 --> 00:13:31,940
+الفكري، بيعه أو بمعنى آخر، التصرف، حق التسلط عليه من
+
+122
+00:13:31,940 --> 00:13:37,460
+قبل صاحبه، يسبب كتمانًا وتضييقًا لدائرة النشر
+
+123
+00:13:37,460 --> 00:13:46,220
+فعندها نقول له، لا، لا يجوز لك أن تأخذ، والأصل كأنهم
+
+124
+00:13:46,220 --> 00:13:55,430
+يريدون أن يقولوا أن العلم ينتشر ويتاح ويُباح بين
+
+125
+00:13:55,430 --> 00:14:01,090
+الناس، ولا يجوز أن يتسلط واحد ولو كان صاحب
+
+126
+00:14:01,090 --> 00:14:06,050
+العلم هذا أو صاحب الكتاب، أن يتسلط عليه فيمنعه عن
+
+127
+00:14:06,050 --> 00:14:11,370
+الناس، لا يجوز، وهم كما بينت لكم المرة التي
+
+128
+00:14:11,370 --> 00:14:18,500
+فاتت، لم يكن كلامهم تعسفًا في الأمانة، ولكن قالوا
+
+129
+00:14:18,500 --> 00:14:24,820
+ولكن في هذه الحالة ينبغي على الدولة أن تقوم برعاية
+
+130
+00:14:24,820 --> 00:14:30,440
+هؤلاء المؤلفين، لأن السؤال الذي سيسألوه هو: ماذا
+
+131
+00:14:30,440 --> 00:14:36,500
+سيفعلون؟ من أين سيأكلون؟ وأين سيسكنون؟ فهم يقولون
+
+132
+00:14:36,500 --> 00:14:42,340
+أصلًا أن الدولة، وهذا ما جعلنا نقول أنه ثمة اتفاق بين
+
+133
+00:14:42,340 --> 00:14:47,300
+العلماء من حيث جواز أخذ البدل المالي، لكن
+
+134
+00:14:47,300 --> 00:14:54,300
+الخلاف كما قلت فيما إذا لم يكن هناك.. فيما إذا
+
+135
+00:14:54,300 --> 00:15:01,780
+كان أخذ البدل المالي يسبب كتمانًا، والذين قالوا بعدم
+
+136
+00:15:01,780 --> 00:15:05,920
+الجواز استدلوا بأدلة أيضًا استعرضتها المرة
+
+137
+00:15:05,920 --> 00:15:11,640
+الماضية، وقلنا أنه على رأس هذه الأدلة مسألة أنه
+
+138
+00:15:11,640 --> 00:15:16,240
+يسبب كتمانًا، هو المنطلق نفسه الذي من أجله كان
+
+139
+00:15:17,360 --> 00:15:22,780
+قولهم بالمنع، هو أول دليل استدلوا به
+
+140
+00:15:22,780 --> 00:15:29,740
+أول دليل استدلوا به، أن يعني لو قلنا بجواز أخذ
+
+141
+00:15:29,740 --> 00:15:34,240
+البدل المالي، هم استدلوا بالمنع، ليس هكذا
+
+142
+00:15:34,240 --> 00:15:38,500
+فهم يقولون، لو قلنا بجواز أخذ البدل المالي كما
+
+143
+00:15:38,500 --> 00:15:45,360
+تقولون يا جمهور، فسيترتب على ذلك كتمان العلم لأن أخذ
+
+144
+00:15:45,360 --> 00:15:52,920
+البدل المالي سيرفع من ثمن المؤلف وبالتالي
+
+145
+00:15:52,920 --> 00:15:58,460
+سيمنع شريحة أو فئة كبيرة من الناس من الوصول إليه
+
+146
+00:15:58,460 --> 00:16:03,180
+والانتفاع به، وهذا نوع من كتمان العلم
+
+147
+00:16:03,180 --> 00:16:10,390
+ومنعه وتضييق دائرة نشره، خاصة في ظل وجود،
+
+148
+00:16:10,390 --> 00:16:15,630
+وهذه حقيقة، كتب قد يرتفع سعرها إلى مستوى باهظ
+
+149
+00:16:15,630 --> 00:16:21,330
+والناس تكون في حاجة ماسة إليه، يقولون لا، كأنهم
+
+150
+00:16:22,170 --> 00:16:26,430
+يريدون أن يقولوا أن مادام هذا المنتج
+
+151
+00:16:26,430 --> 00:16:33,330
+خرج عن فكرة الإنسان، إلا أنه من حق المجتمع كله
+
+152
+00:16:33,330 --> 00:16:39,390
+أن يستفيد منه، والدولة هي
+
+153
+00:16:39,390 --> 00:16:43,870
+التي تتكفل بالمفكرين أو بالمؤلفين
+
+154
+00:16:45,830 --> 00:16:51,470
+ونحن يومها شفنا ماذا، وأيدوا كلامهم بالآيات
+
+155
+00:16:51,470 --> 00:16:57,310
+والأحاديث، من حيث التهديد القرآني لأولئك وإثبات
+
+156
+00:16:57,310 --> 00:17:01,290
+اللعنة على أولئك الذين يكتمون العلم، الذين
+
+157
+00:17:01,290 --> 00:17:06,710
+يكتمون ما أنزلنا من البيانات والهدى، أولئك يلعنهم
+
+158
+00:17:06,710 --> 00:17:12,190
+الله ويلعنهم اللاعنون، تهديد، ليس أخطر
+
+159
+00:17:12,190 --> 00:17:19,010
+منه، اللعنة، الطرد من رحمة الله، إذا كان هذه العملية
+
+160
+00:17:19,010 --> 00:17:24,840
+كأنهم يريدون أن يقولوا، إذا كان بيع الكتاب
+
+161
+00:17:24,840 --> 00:17:30,660
+وأخذ البدل المالي يسبب تضييقًا وكتمانًا، فإنه سيُقْضِي
+
+162
+00:17:30,660 --> 00:17:34,660
+باللعنة على صاحبه، وبالتالي يكون حرامًا، ما يؤدي
+
+163
+00:17:34,660 --> 00:17:43,880
+إلى الحرام فهو حرام، ثم إنهم استدلوا بأدلة
+
+164
+00:17:43,880 --> 00:17:49,760
+أخرى، قالوا بأنه قربة، وقالوا بأنه قياسًا على
+
+165
+00:17:49,760 --> 00:17:50,320
+الشفعة
+
+166
+00:17:53,330 --> 00:18:02,650
+إلى غير ذلك، الآن سنعود إلى هذه الأدلة، أدلة
+
+167
+00:18:02,650 --> 00:18:09,730
+المانعين، التي استدلوا بها وسنحاول أن نرد
+
+168
+00:18:09,730 --> 00:18:16,310
+عليها أو نناقشها، كما فعل الجمهور، الجمهور يا إخوة
+
+169
+00:18:16,310 --> 00:18:23,470
+استدلوا بأدلة منطقية جدًا، شرعية
+
+170
+00:18:23,470 --> 00:18:28,330
+وواقعية، لأنهم لو لاحظتم، استدلوا أولًا باستدلوا
+
+171
+00:18:28,330 --> 00:18:32,890
+بالمبادئ الشرعية من باب المسؤولية العامة عن كل ما
+
+172
+00:
+
+223
+00:23:38,810 --> 00:23:47,390
+تقدم رخيصة و بشرعنة الدين، مش هو يعني بالهوى، و
+
+224
+00:23:47,390 --> 00:23:55,630
+بأمره. مقابل ماذا؟ قبل الجنة، وقبل الآخرة، دفاعاً عن
+
+225
+00:23:55,630 --> 00:24:02,580
+الأوطان والأديان. لأنه لو لم يقم، أو لو لم يرفع لواء
+
+226
+00:24:02,580 --> 00:24:10,000
+الجهاد، لن يعود، أو لن يكون، تكون النتيجة إلا الذل
+
+227
+00:24:10,000 --> 00:24:17,690
+والهوان، والقتل، والتدمير، والهزيمة، والنكبة للمسلمين.
+
+228
+00:24:17,690 --> 00:24:22,190
+فلإن يجاهد، حتى وإن كان الجهاد سيؤدي إلى الاستشهاد،
+
+229
+00:24:22,190 --> 00:24:26,070
+أو القتل. لعدد من المسلمين يقتل، ألفين، استشهد
+
+230
+00:24:26,070 --> 00:24:32,080
+ألفا، ويحمي، تحمي الملايين بعد ذلك، وتحمى المقدرات. هذا
+
+231
+00:24:32,080 --> 00:24:36,440
+أيضاً إذا شرعنَ الجهاد، يا إخوة، من هذا الباب أيضاً،
+
+232
+00:24:36,440 --> 00:24:41,620
+من باب تقديم المصلحة العامة على المصلحة الخاصة. هذه
+
+233
+00:24:41,620 --> 00:24:47,400
+الموازين مُراعية في الإسلام، وبدقة متناهية، يعني
+
+234
+00:24:47,400 --> 00:24:51,380
+الإسلام رغم... لا يعني هذا أن الإسلام يمتهن، أو
+
+235
+00:24:51,380 --> 00:24:58,040
+يهون من حياة المسلم، كما يظن البعض. لا والله! بل إن
+
+236
+00:24:58,040 --> 00:25:04,200
+عزة، يعني، أو مكانة الروح أو النفس في الإسلام، يعني
+
+237
+00:25:04,200 --> 00:25:10,420
+اللي هي أكثر من الكعبة، إيش بدكم أكثر منه؟  فلكن
+
+238
+00:25:10,420 --> 00:25:14,800
+هذا كله أمام المصلحة العامة. ما هي عضّ النفس، ستحمي
+
+239
+00:25:14,800 --> 00:25:22,840
+نفوساً، نفسٌ ستُدرأ، وتُضرّ عن الأمة بكاملها.
+
+240
+00:25:24,640 --> 00:25:31,100
+إذاً، دعونا نعود إلى مناقشة أدلة القائلين بالمنع.
+
+241
+00:25:31,100 --> 00:25:36,520
+أول دليل، ما الذي لسه دالوا فيه، يعني؟ ويبدو من ظاهر
+
+242
+00:25:36,520 --> 00:25:43,160
+الأدلة أنها شرعية، وأنها منطقية. فهل من مناقشة، أو ردّ
+
+243
+00:25:43,160 --> 00:25:48,060
+عليها؟ الدليل الأول، جلّناه، اللي هو لسه دالوا فيه،
+
+244
+00:25:48,060 --> 00:25:53,300
+اللي هو إيه؟ أن هذا يؤدي إلى الكتمان، يا عمي، ومدام
+
+245
+00:25:53,300 --> 00:25:57,020
+يؤدي إلى الكتمان، أو على الأقل تضييق الدائرة، فيكون
+
+246
+00:25:57,020 --> 00:26:04,590
+حراماً، لأنه يؤدي إلى ما نهى عنه رب العالمين سبحانه
+
+247
+00:26:04,590 --> 00:26:11,530
+وتعالى، وما وعد به. فما السبيل على الرد؟ وهذا قد
+
+248
+00:26:11,530 --> 00:26:17,230
+يكون فيه نوع من المصداقية، يعني الكلام حقيقة ممكن، و
+
+249
+00:26:17,230 --> 00:26:21,530
+احنا، يعني، ماذا يمكن أن يُقال؟ ماذا يمكن أن يُردّ على
+
+250
+00:26:21,530 --> 00:26:29,010
+هذا الدليل يا ترى؟ تفضل.
+
+251
+00:26:29,200 --> 00:26:32,420
+هو بيبقى إنه ما بينتقلش منه، ما ينتقلش بعدين ويا
+
+252
+00:26:32,420 --> 00:26:33,560
+مرتبان ثاني، ويا مرتبان ثالث.
+
+253
+00:26:37,320 --> 00:26:42,080
+ماذا يعني هذا؟ يعني كلام جميل، لكن احنا بدنا... مش
+
+254
+00:26:42,080 --> 00:26:46,980
+ردود عامة، احنا بدنا رد على خصوصية الدليل، كلامك
+
+255
+00:26:46,980 --> 00:26:51,500
+رد إجمالي، يعني، قد يكون مقبولاً، بدي رد على الدليل،
+
+256
+00:26:51,500 --> 00:26:57,740
+على، يعني، إبطال الترايب، تقويم أو نقض الدليل، أو
+
+257
+00:26:57,740 --> 00:27:02,400
+يعني إثبات عدم صلاحيته في هذا الاستدلال، نعم.
+
+258
+00:27:02,400 --> 00:27:03,980
+الإسلام اعترف بالحق.
+
+259
+00:27:30,450 --> 00:27:34,770
+على أي حال، كلام جميل، ربما يحتاج قليل جداً من
+
+260
+00:27:34,770 --> 00:27:43,440
+التوضيح. واضحة، يعني، كأنّي بالرد على هذا الدليل، يعني
+
+261
+00:27:43,440 --> 00:27:53,560
+مفادُه، أو طريقه، هو أننا نسلم معكم، بأنّ نسلم
+
+262
+00:27:53,560 --> 00:27:59,540
+معكم، أو لكم، بأن الكتمان إيه؟ حرام. كتمان العلم حرام.
+
+263
+00:27:59,540 --> 00:28:05,680
+ماشي، احنا... لكن انظروا إلى الجانب الآخر، انظروا
+
+264
+00:28:05,680 --> 00:28:13,400
+للإسلام قواعده التي ينبغي أن ننظر إليها، ونعتمد
+
+265
+00:28:13,400 --> 00:28:20,320
+عليها عند استنباط الحكم. انظروا إلى الجانب الآخر، أو
+
+266
+00:28:20,320 --> 00:28:24,580
+إلى قواعد أخرى، أو أحكام أخرى عامة. الأحكام الأخرى
+
+267
+00:28:24,580 --> 00:28:30,560
+العامة هي أن الله سبحانه وتعالى نهى عن أكل أموال
+
+268
+00:28:30,560 --> 00:28:35,010
+الناس بالباطل. لا، قاعدة هي آية وقاعدة. يا أيها
+
+269
+00:28:35,010 --> 00:28:40,490
+الذين آمنوا، لا تأكلوا أموالكم بينكم بالباطل. نعم.
+
+270
+00:28:40,490 --> 00:28:48,550
+القاعدة العامة، أن الإنسان أحق بثمرة جوده. هذه قواعد
+
+271
+00:28:48,550 --> 00:28:54,130
+عامة، ومسلمات في الإسلام. طيب، يعني، هل القواعد هنا
+
+272
+00:28:54,130 --> 00:28:59,910
+تتناقض؟ لا، هل هذا سيتناقض مع الكتمان؟ لا، يحتاج
+
+273
+00:28:59,910 --> 00:29:05,070
+الأمر إلى توفيق. عندما نرى، يا إخوة، شيء، أو شكلاً من
+
+274
+00:29:05,070 --> 00:29:10,110
+أشكال التعارض، أو التناقض الظاهري، لابد من تدخل
+
+275
+00:29:10,110 --> 00:29:18,930
+بعين النظر، من أجل إيه؟ الجمع بين الأدلة، أو الجمع
+
+276
+00:29:18,930 --> 00:29:24,530
+... الحقيقة، الشريعة لا تناقض فيها، لا تناقض. فإذا
+
+277
+00:29:25,560 --> 00:29:32,960
+حمل، في هذه الحالة، تحمل عملية الكتمان هنا، المنهي
+
+278
+00:29:32,960 --> 00:29:39,200
+عنه، على إيه؟ على أشياء، بحيث لا تتناقض مع القاعدة
+
+279
+00:29:39,200 --> 00:29:45,080
+العامة. مثلاً، النهي عن الكتمان المحرم، إذا كان
+
+280
+00:29:45,080 --> 00:29:52,160
+مقصوداً منه الكتمان، يعني اللي بيكتم العلم قاصداً،
+
+281
+00:29:52,160 --> 00:30:00,330
+قاصداً عدم إيصاله، وبدون مسوّغ، وبدون أي وجه حق من
+
+282
+00:30:00,330 --> 00:30:08,050
+وجهه، الحق هو، يعني، ليس له أي مسوّغ، ولا أي مبرر. فـ
+
+283
+00:30:08,050 --> 00:30:12,290
+كتم العلم، واحد ما يله مؤلفاته ولا حاجة، راح، حرج إيه؟
+
+284
+00:30:12,290 --> 00:30:16,790
+المكتبة، مثلاً، منعها عن الناس. واحد أخذ البدل، ومع
+
+285
+00:30:16,790 --> 00:30:25,320
+ذلك، بعد هيك، منع وكتم، فهو إيه؟ منع، كتم العلم قصداً. إن
+
+286
+00:30:25,320 --> 00:30:32,320
+الذين يكتمون ما أنزلنا من البيانات والهدى، لكن
+
+287
+00:30:32,320 --> 00:30:39,240
+عندما يكون، يعني، عدم وصول العلم بغير قصد، أو لأنني
+
+288
+00:30:39,240 --> 00:30:45,720
+امتلك أنا هذا الحق، وأريد فقط، أنا أطالب بحقي يا
+
+289
+00:30:45,720 --> 00:30:51,210
+جماعة، أنتم أعطوني حقي، وبعدين إذا أنا بعد ما
+
+290
+00:30:51,210 --> 00:30:57,650
+أعطيتموني حقي، ما نشرت وما بعت، بعد هيُكتبوا عليّ كاتم.
+
+291
+00:30:57,650 --> 00:31:05,110
+إذا أنا لست بكاتم، عندما أطالب بحقي، بل أنت الذي
+
+292
+00:31:05,110 --> 00:31:10,510
+تجبرني على ذلك. أنت الكاتم، لأن أنت تريد أن تجبرني
+
+293
+00:31:10,510 --> 00:31:17,750
+على أن تضيع، على أن تأخذ جهدي بدون وجه حق، بدون وجه
+
+294
+00:31:17,750 --> 00:31:25,270
+حق. أنا، يمكن في الحالة هذه أَمْزِق الكتاب. فأنتَ المتسبب.
+
+295
+00:31:25,270 --> 00:31:30,350
+إذاً، المسألة كيف أجمع بين الأمور؟ أجمع بين الأمور
+
+296
+00:31:30,350 --> 00:31:36,970
+بأن إيه؟ أعطي كل ذي حق حقه، بأن أعطي كل ذي حق حقه،
+
+297
+00:31:36,970 --> 00:31:43,630
+وبالتالي، لا ينطبق على اللي عاوز يسأل، لا ينطبق على
+
+298
+00:31:43,630 --> 00:31:50,260
+من طالب بحقه، أو من يأخذ بدلاً مالياً عن جهده الفكري،
+
+299
+00:31:50,260 --> 00:31:58,880
+لا ينطبق عليه أنه كاتم للعلم، لأنه في الحقيقة انطلق
+
+300
+00:31:58,880 --> 00:32:06,000
+في مطالبته هذه من منطق شرعي، ومن قاعدة شرعية تضمن
+
+301
+00:32:06,000 --> 00:32:12,680
+لكل إنسان أن يأخذ حقه في جهده الجسدي، أو الفكري، أو
+
+302
+00:32:12,680 --> 00:32:25,340
+غير ذلك. يعني، دعني أقول هنا في هذه النقطة، يعني
+
+303
+00:32:25,340 --> 00:32:30,500
+يشبهون مسألة كتمان العلم، بمسألة الاحتكار. الاحتكار
+
+304
+00:32:30,500 --> 00:32:36,000
+حرام. الاحتكار يشبه إيه؟ يشبه الكتمان. الكتمان
+
+305
+00:32:36,000 --> 00:32:43,420
+احتكار للعلم، وعدم نشره. والاحتكار كتمان للسلع، مش
+
+306
+00:32:43,420 --> 00:32:49,020
+هيك؟ بيخبيها لما تغلى الأسعار. طيب.
+
+307
+00:32:49,020 --> 00:32:53,760
+عندما... وهذا حرام. الاحتكار حرام بالفعل، لكن عندما
+
+308
+00:32:53,760 --> 00:33:00,300
+تتدخل الدولة لمنع الاحتكار، بتصادر
+
+309
+00:33:00,300 --> 00:33:06,080
+السلع، ولا بتعطيها حقها، بتعطيها حقها، أو بتجبره أن
+
+310
+00:33:06,080 --> 00:33:12,100
+يبيعها بالسعر المناسب، مش بالسعر الغالي. وكذلك مسألة
+
+311
+00:33:12,100 --> 00:33:16,060
+الكتمان، الكتمان أنت ما بتدخل، يعني، أكتم العلم؟ طب
+
+312
+00:33:16,060 --> 00:33:22,250
+حطني حقي يا جماعة! وعندها، يعني، لا تناقض، لا يكون ثم
+
+313
+00:33:22,250 --> 00:33:28,830
+تتناقض بين هذه القواعد، ولا يعتبر في هذه الحالة من
+
+314
+00:33:28,830 --> 00:33:33,510
+يطالب، أو يأخذ حقه المالي مقابل حقّه التأليف، لا
+
+315
+00:33:33,510 --> 00:33:40,070
+يعتبر كاتماً للعلم، لأنه في الحقيقة أخذ حقه الذي
+
+316
+00:33:40,070 --> 00:33:46,450
+قررته له الشريعة. طيب، هذا لعله واضح. الدليل الثاني،
+
+317
+00:33:47,700 --> 00:33:55,060
+الدليل الثاني، إيش؟ نعم، فضل. أنه يجوز أخذ البدل
+
+318
+00:33:55,060 --> 00:33:59,060
+المالي مقابل نشر مؤلف علمي، لأنهم يعتبرون المؤلف
+
+319
+00:33:59,060 --> 00:34:00,160
+العلمي، مطبوعات.
+
+320
+00:34:13,800 --> 00:34:17,660
+مثل الإمامة، وتعليم القرآن، والأذان في المسجد. فمن
+
+321
+00:34:17,660 --> 00:34:22,180
+باب أولى أن يكون للمؤلف حق في أخذ البدل المالي عن
+
+322
+00:34:22,180 --> 00:34:26,960
+مؤلفه. ويقولون أن سبب إجازة أخذ البدل المالي عن
+
+323
+00:34:26,960 --> 00:34:30,600
+هذه القربات، هو انحتاط همم المسلمين في القصور
+
+324
+00:34:30,600 --> 00:34:35,270
+المتأخرة، وهذا يَدي إلى ضياع القرآن، وتعطيل الدين، وفي
+
+325
+00:34:35,270 --> 00:34:39,550
+المقابل، يعني، عدم جواز أخذ البدل المالي، يَدي إلى
+
+326
+00:34:39,550 --> 00:34:41,730
+إتمان العلم، وتعطيل العلم على المسلمين.
+
+327
+00:35:02,010 --> 00:35:07,430
+سبحانه وتعالى، وشبهوها، أو قاسوها، واعتبروها كسائر
+
+328
+00:35:07,430 --> 00:35:11,130
+العبادات، والقربات، من صلاة وصيام. ولا أحد، بالطبع،
+
+329
+00:35:11,130 --> 00:35:16,210
+يقول بأخذ بدل مالي عنها، دينياً. لكن، حقيقة، لو نظرنا
+
+330
+00:35:16,210 --> 00:35:26,950
+نظرة أكثر عمقاً، وأكثر سعة، وأكثر مراعاة للواقع، وهذا
+
+331
+00:35:26,950 --> 00:35:32,710
+ما فعله الفقهاء المتأخرون، حقيقة، وغير المتأخرين حتى،
+
+332
+00:35:32,710 --> 00:35:38,330
+فإنهم أجازوا في بعض الأحيان، يعني، صحيح القاعدة
+
+333
+00:35:38,330 --> 00:35:43,210
+العامة، لا بدل مالي عن القربات، لكن في بعض
+
+334
+00:35:43,210 --> 00:35:49,610
+الحالات، فإن الشريعة، من باب السياسة الشرعية، من باب
+
+335
+00:35:49,610 --> 00:35:57,810
+المصلحة الدينية، فإن الشريعة إيه؟ تجيز أخذ بدل مالي
+
+336
+00:35:57,810 --> 00:36:05,710
+عن القربة. تؤدي القربة لله، وتؤجر عليها، وتؤجر عليها
+
+337
+00:36:05,710 --> 00:36:14,170
+عند الله، وتأخذ، يا سيدي، بدلاً مالياً عنها، أو عن أدائك
+
+338
+00:36:14,170 --> 00:36:18,750
+إياها في الدنيا. إجازة تلك اللي... من ذلك... أنا...
+
+339
+00:36:18,750 --> 00:36:22,770
+اللتي ذكرها... ذكرها الأخ... الآن، الإمامة في
+
+340
+00:36:22,770 --> 00:36:28,090
+الصلاة... صلاة من أُلْبَاب العبادات... من أُلْبَاب العبادات، أن
+
+341
+00:36:28,090 --> 00:36:34,430
+يُصلي إماماً. وحقيقة، أنه على مر العصور السابقة، قديمًا
+
+342
+00:36:34,430 --> 00:36:39,830
+لم يكن أحد يأخذ مقابل الإمامة في الصلاة بدلاً، لأنه
+
+343
+00:36:39,830 --> 00:36:43,370
+كيف بدي يصلي إماماً، ولا فارقة... مش فارقة، ويأخذ بدل
+
+344
+00:36:43,370 --> 00:36:51,420
+... لكن اليوم، انظروا، لو لم يكن، أو لم، لو لم تُضع
+
+345
+00:36:51,420 --> 00:36:57,180
+وزارات الأوقاف، أو حكومات اليوم إماماً، وتعطيها راتباً،
+
+346
+00:36:57,180 --> 00:37:01,800
+هل تستقيم، تستقيم أمور الصلوات في المسجد
+
+347
+00:37:01,800 --> 00:37:05,960
+والجامعات؟ ولا هتلاقي كل يوم اختلافات، وفتن، ومشاكل،
+
+348
+00:37:05,960 --> 00:37:13,300
+أو إلى غير ذلك. فاليوم، صار في أئمة، وخطباء، بياخدوا زي
+
+349
+00:37:13,300 --> 00:37:21,570
+زي المدرس. أه! مع أنه الإمامة، ربنا سبحانه وتعالى
+
+350
+00:37:21,570 --> 00:37:26,950
+يعتبرها بالفعل، في من أجل الطاعات، واجعلنا للمتقين
+
+351
+00:37:26,950 --> 00:37:30,790
+إماماً. أمَلْ
+
+352
+00:37:30,790 --> 00:37:38,430
+الأنبياء والصالحين، رجاءهم. يعني، مسألة دينية بحتة.
+
+353
+00:37:39,660 --> 00:37:49,150
+الرسول صلى الله عليه وسلم، مدح، مدح ثلاثة أشخاص، منهم
+
+354
+00:37:49,150 --> 00:37:56,010
+الإمام، الإمام الذي أَداَبَ على الصلوات في اليوم
+
+355
+00:37:56,010 --> 00:38:01,390
+والليلة، مدحهم، في إشارة إلى، يعني، أن الطاعة التي
+
+356
+00:38:01,390 --> 00:38:06,670
+يقوموا بها، والقربة، يعني، هي من أرقى، يعني، الطاعات،
+
+357
+00:38:06,670 --> 00:38:12,110
+ومن أعظم المستويات. الرسول صلى الله عليه وسلم قال
+
+358
+00:38:12,110 --> 00:38:19,600
+في الثلاثة: رجلٌ أَمَّ قوماً وهم عنه راضون. هدول من الناس
+
+359
+00:38:19,600 --> 00:38:27,400
+الثلاثة الذين يتمتعون برضا الله، ويتمتعون بأجر عظيم
+
+360
+00:38:27,400 --> 00:38:32,500
+عند الله سبحانه وتعالى. الرسول صلى الله عليه وسلم
+
+361
+00:38:32,500 --> 00:38:40,360
+يا إخوة، دعا للأئمة برضاه، إشارة إلى قيمة الإمامة،
+
+362
+00:38:40,360 --> 00:38:47,910
+وقيمة قربة الإمامة. اللهمّ أَرْشِدْ الأئمة، واغفر للمؤذنين.
+
+363
+00:38:47,910 --> 00:38:51,690
+رسول الله يقول صلى الله عليه وسلم، في إشارة، يعني كل
+
+364
+00:38:51,690 --> 00:38:56,710
+هذا الذي يؤكد على أن الإمامة من الطاعات والقربات،
+
+365
+00:38:56,710 --> 00:39:04,930
+لم يمنع الفقهاء من أن يجيزوا أخذ بدل مالي عنها، لأن
+
+366
+00:39:04,930 --> 00:39:09,910
+هناك مصلحة، لو لم يفعلوا ذلك، لتهدم الدين كله، أو
+
+367
+00:39:09,910 --> 00:39:16,180
+لتهدد الدين، المتمثل لأن الصلاة عمود الدين. الأذان...
+
+368
+00:39:16,180 --> 00:39:20,640
+الأذان، شعيرة من شعائر الإسلام، ولا لا؟ من أعظم
+
+369
+00:39:20,640 --> 00:39:24,780
+الشعائر، واحنا كلنا بنعرف حديث: أَطْوَلُ الناسِ أعناقاً يوم القيامة المؤذنون. والأذان
+
+370
+00:39:24,780 --> 00:39:32,200
+يعني، الرسول في بعض الحديث: لو علم الناس... لو علم الناس
+
+371
+00:39:32,200 --> 00:39:39,640
+ما في الأذان، والصف الأول، فلم يجدوا إلا أن يَسْتَهِمُّوا
+
+372
+00:39:39,640 --> 00:39:48,900
+عليه، لِيسْتَهِمُّوا، يستهموا، مش يقعدوا يَقْتَرِعُوا، يعني، يعني
+
+373
+00:39:48,900 --> 00:39:57,700
+من شدة التأكيد على مستوى، ومكانة هذه القربة. ومع ذلك،
+
+374
+00:39:57,700 --> 00:40:05,400
+المؤذن بياخد أجراً ولا لأ؟ بياخد، لأننا لو لم نضع،
+
+375
+00:40:05,400 --> 00:40:12,720
+نعطيه أجراً، سوف لا نجد من يرفع هذه الشعيرة. الناس
+
+376
+00:40:12,720 --> 00:40:18,340
+في ظل عالم سيطرت عليه المادة، بدي واحد يواضب أربع
+
+377
+00:40:18,340 --> 00:40:23,780
+خمس صلوات، أو خمس أوقات في اليوم عشان يرفع الأذان،
+
+378
+00:40:23,780 --> 00:40:30,300
+يا عمّ، قربة وأخذ أجر، ما... يا عمّ، طيب، أنا برضه بدي
+
+379
+00:40:33,900 --> 00:40:41,690
+أعيش! فأجازة العلماء، العلماء، كما قلت دائماً، فقهاؤنا
+
+380
+00:40:41,690 --> 00:40:48,170
+ليست قوالب جامدة. فقهاؤنا ينظرون إلى الواقع، صحيح
+
+381
+00:40:48,170 --> 00:40:51,890
+زمان، لأنه كانوا الناس إيمانهم قوي، ما بياخدوش
+
+382
+00:40:51,890 --> 00:40:55,190
+بدلات، لكن اليوم، ضعف الدين، وضعف الإيمان وكذا، لابد
+
+383
+00:40:55,190 --> 00:41:01,270
+من
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/UQKV2YczyMo_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/UQKV2YczyMo_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..dc5517542b0038aff542b7083e5b32cf26ad24e8
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/UQKV2YczyMo_raw.json
@@ -0,0 +1 @@
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0.92587890625}, {"start": 262.89, "end": 264.31, "word": " كالمؤلف", "probability": 0.9683837890625}, {"start": 264.31, "end": 264.93, "word": " بالنسبة", "probability": 0.997314453125}, {"start": 264.93, "end": 266.19, "word": " لمؤلفه،", "probability": 0.89990234375}, {"start": 266.19, "end": 266.31, "word": " من", "probability": 0.9755859375}, {"start": 266.31, "end": 266.75, "word": " حيث", "probability": 0.9933268229166666}, {"start": 266.75, "end": 268.33, "word": " ضرورة", "probability": 0.984375}, {"start": 268.33, "end": 269.01, "word": " ثبوت", "probability": 0.97900390625}, {"start": 269.01, "end": 269.83, "word": " النسبة،", "probability": 0.90771484375}, {"start": 269.83, "end": 269.97, "word": " هل", "probability": 0.662109375}, {"start": 269.97, "end": 270.31, "word": " يقبل", "probability": 0.9842122395833334}, {"start": 270.31, "end": 270.81, "word": " أحد", "probability": 0.95068359375}, {"start": 270.81, "end": 271.41, "word": " أن", "probability": 0.87353515625}, {"start": 271.41, "end": 271.83, "word": " يُنسب", "probability": 0.896240234375}, {"start": 271.83, "end": 272.63, "word": " ولده", "probability": 0.8190104166666666}, {"start": 272.63, "end": 273.75, "word": " لغيره؟", "probability": 0.957421875}, {"start": 273.75, "end": 274.33, "word": " لأ،", "probability": 0.8058268229166666}, {"start": 274.33, "end": 274.85, "word": " كذلك", "probability": 0.9881184895833334}, {"start": 274.85, "end": 274.99, "word": " لا", "probability": 0.83740234375}, {"start": 274.99, "end": 275.39, "word": " يقبل", "probability": 0.9700520833333334}, {"start": 275.39, "end": 275.81, "word": " أحد", "probability": 0.99169921875}, {"start": 275.81, "end": 276.25, "word": " أن", "probability": 0.9287109375}, {"start": 276.25, "end": 276.73, "word": " يُنسب", "probability": 0.9891357421875}, {"start": 276.73, "end": 278.23, "word": " المؤلف", "probability": 0.9884440104166666}, {"start": 278.23, "end": 279.09, "word": " لغير", "probability": 0.99072265625}, 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يعني", "probability": 0.85595703125}, {"start": 289.61, "end": 289.97, "word": " غير", "probability": 0.967529296875}, {"start": 289.97, "end": 291.79, "word": " ذالك،", "probability": 0.695068359375}, {"start": 291.79, "end": 292.19, "word": " ممكن", "probability": 0.962158203125}, {"start": 292.19, "end": 292.41, "word": " أن", "probability": 0.9140625}, {"start": 292.41, "end": 292.91, "word": " يكون", "probability": 0.9921875}, {"start": 292.91, "end": 294.17, "word": " المؤلف", "probability": 0.9931640625}], "temperature": 1.0}, {"id": 13, "seek": 32087, "start": 295.55, "end": 320.87, "text": "يعني منتج فني ممكن أن يكون منتج إلكتروني أو إلى غير ذلك ممكن أن يكون رسوم معينة كل ذلك منتجات أو مؤلفات عقلية تدوّن كتابة أو رسما أو إبداعا في هذا المجال أو ذاك قلت إن القوانين", "tokens": [40228, 22653, 9154, 2655, 7435, 6156, 22653, 3714, 43020, 14739, 7251, 30544, 9154, 2655, 7435, 11933, 23275, 2655, 2288, 11536, 1829, 34051, 30731, 32771, 13546, 29910, 23275, 3714, 43020, 14739, 7251, 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"end": 308.33, "word": " ذلك", "probability": 0.99560546875}, {"start": 308.33, "end": 309.13, "word": " منتجات", "probability": 0.974365234375}, {"start": 309.13, "end": 309.59, "word": " أو", "probability": 0.8603515625}, {"start": 309.59, "end": 310.43, "word": " مؤلفات", "probability": 0.9766845703125}, {"start": 310.43, "end": 311.09, "word": " عقلية", "probability": 0.9864501953125}, {"start": 311.09, "end": 312.13, "word": " تدوّن", "probability": 0.86337890625}, {"start": 312.13, "end": 313.09, "word": " كتابة", "probability": 0.995361328125}, {"start": 313.09, "end": 313.63, "word": " أو", "probability": 0.93798828125}, {"start": 313.63, "end": 314.31, "word": " رسما", "probability": 0.7672526041666666}, {"start": 314.31, "end": 314.99, "word": " أو", "probability": 0.78515625}, {"start": 314.99, "end": 316.13, "word": " إبداعا", "probability": 0.93876953125}, {"start": 316.13, "end": 316.47, "word": " في", "probability": 0.95458984375}, {"start": 316.47, "end": 316.73, "word": " هذا", "probability": 0.9638671875}, {"start": 316.73, "end": 317.37, "word": " المجال", "probability": 0.9947916666666666}, {"start": 317.37, "end": 318.01, "word": " أو", "probability": 0.666015625}, {"start": 318.01, "end": 318.39, "word": " ذاك", "probability": 0.8741861979166666}, {"start": 318.39, "end": 319.57, "word": " قلت", "probability": 0.9059244791666666}, {"start": 319.57, "end": 320.07, "word": " إن", "probability": 0.8984375}, {"start": 320.07, "end": 320.87, "word": " القوانين", "probability": 0.9932861328125}], "temperature": 1.0}, {"id": 14, "seek": 34918, "start": 321.72, "end": 349.18, "text": "تمنع تجيزه أو تعطي حق المؤلفين المالي مقابل مؤلفاتهم وإضافة إلى الحق الأدبي وكذلك قلنا بأن علماء .. العلماء", "tokens": [39237, 1863, 3615, 6055, 7435, 1829, 11622, 3224, 34051, 6055, 3615, 9566, 1829, 11331, 4587, 9673, 33604, 46538, 9957, 9673, 6027, 1829, 3714, 4587, 16758, 1211, 3714, 33604, 46538, 9307, 16095, 4032, 28814, 11242, 31845, 3660, 30731, 21542, 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"end": 334.9, "word": " وإضافة", "probability": 0.91767578125}, {"start": 334.9, "end": 335.3, "word": " إلى", "probability": 0.83837890625}, {"start": 335.3, "end": 336.32, "word": " الحق", "probability": 0.986572265625}, {"start": 336.32, "end": 337.06, "word": " الأدبي", "probability": 0.9606119791666666}, {"start": 337.06, "end": 341.9, "word": " وكذلك", "probability": 0.939697265625}, {"start": 341.9, "end": 343.3, "word": " قلنا", "probability": 0.95556640625}, {"start": 343.3, "end": 344.26, "word": " بأن", "probability": 0.852783203125}, {"start": 344.26, "end": 347.74, "word": " علماء", "probability": 0.943359375}, {"start": 347.74, "end": 348.04, "word": " ..", "probability": 0.449462890625}, {"start": 348.04, "end": 349.18, "word": " العلماء", "probability": 0.9680989583333334}], "temperature": 1.0}, {"id": 15, "seek": 37067, "start": 350.29, "end": 370.67, "text": "علماء الشريعة الإسلامية لا ينكرون إثبات الحق الأدبي لأن هذا مما تم الإجماع عليه أما بالنسبة للحق المادي فقلت المرة الماضية بأنه لا خلافة في الحقيقة", "tokens": [3615, 19528, 16606, 25124, 16572, 27884, 33688, 3794, 37440, 10632, 20193, 7251, 1863, 37983, 11536, 11933, 12984, 3555, 9307, 21542, 4587, 16247, 3215, 21292, 5296, 33456, 23758, 3714, 15042, 46811, 33688, 7435, 15042, 3615, 47356, 5551, 15042, 20666, 1863, 35457, 3660, 24976, 5016, 4587, 9673, 18513, 1829, 6156, 4587, 1211, 2655, 9673, 25720, 9673, 46958, 10632, 4724, 33456, 3224, 20193, 16490, 15040, 5172, 3660, 8978, 21542, 38436, 28671], "avg_logprob": -0.08163496635962224, "compression_ratio": 1.7243589743589745, "no_speech_prob": 9.5367431640625e-07, "words": [{"start": 350.29, "end": 350.79, "word": "علماء", "probability": 0.82763671875}, {"start": 350.79, "end": 351.43, "word": " الشريعة", "probability": 0.9837239583333334}, {"start": 351.43, "end": 352.53, "word": " الإسلامية", "probability": 0.9615478515625}, {"start": 352.53, "end": 354.65, "word": " لا", "probability": 0.85009765625}, {"start": 354.65, "end": 355.35, 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لكن الرأي الآخر شوفوا اه الرأي الآخر قال لأ في حالة ما إذا كان المنتج الفكري بيعه", "tokens": [3555, 6027, 11242, 3555, 9566, 29538, 39896, 9673, 3794, 10721, 37977, 36764, 14851, 3215, 1211, 14407, 4724, 18513, 37977, 29910, 37983, 8315, 11296, 4032, 5172, 36520, 8315, 11296, 44381, 34892, 10721, 1829, 6024, 95, 34740, 13412, 38688, 14407, 1975, 3224, 34892, 10721, 1829, 6024, 95, 34740, 50239, 5296, 10721, 8978, 11331, 6027, 3660, 19446, 11933, 15730, 25961, 9673, 29399, 7435, 27188, 4117, 16572, 4724, 40228, 3224], "avg_logprob": -0.10873367626275589, "compression_ratio": 1.7446808510638299, "no_speech_prob": 3.5762786865234375e-07, "words": [{"start": 780.67, "end": 781.75, "word": "بالضبط", "probability": 0.95361328125}, {"start": 781.75, "end": 782.27, "word": " هذه", "probability": 0.77294921875}, {"start": 782.27, "end": 782.67, "word": " هي", "probability": 0.85791015625}, {"start": 782.67, "end": 783.89, "word": " المسألة", "probability": 0.97021484375}, {"start": 783.89, 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2640.82, "word": " جيبت", "probability": 0.68585205078125}, {"start": 2640.82, "end": 2641.24, "word": " مصاري", "probability": 0.968994140625}], "temperature": 1.0}, {"id": 113, "seek": 265849, "start": 2642.91, "end": 2658.49, "text": "هذه الـ 20 شيكل أو ال 100 شيكل هدول مملوكات إلي، تمام؟ و من حقي أتصرف فيه، أنا أشتري، لكن هل من حقي أطبع اللي ماطبعاش مكون اسمه؟ مزيف", "tokens": [3224, 24192, 2423, 39184, 945, 44049, 28820, 34051, 2423, 2319, 44049, 28820, 8032, 3215, 12610, 3714, 42213, 2407, 4117, 9307, 11933, 20292, 12399, 46811, 10943, 22807, 4032, 9154, 11331, 4587, 1829, 5551, 2655, 9381, 28480, 8978, 3224, 12399, 41850, 5551, 8592, 2655, 16572, 12399, 44381, 8032, 1211, 9154, 11331, 4587, 1829, 5551, 9566, 3555, 3615, 13672, 1829, 3714, 41193, 3555, 3615, 33599, 3714, 30544, 24525, 2304, 3224, 22807, 3714, 11622, 33911], "avg_logprob": -0.2460937551740143, "compression_ratio": 1.5533333333333332, "no_speech_prob": 2.384185791015625e-07, "words": [{"start": 2642.91, "end": 2643.25, "word": "هذه", "probability": 0.5745849609375}, {"start": 2643.25, "end": 2643.41, "word": " الـ", "probability": 0.4920654296875}, {"start": 2643.41, "end": 2643.67, "word": " 20", "probability": 0.48828125}, {"start": 2643.67, "end": 2644.07, "word": " شيكل", "probability": 0.7086181640625}, {"start": 2644.07, "end": 2644.25, "word": " أو", "probability": 0.61328125}, {"start": 2644.25, "end": 2644.37, "word": " ال", "probability": 0.72900390625}, {"start": 2644.37, "end": 2644.53, "word": " 100", "probability": 0.501953125}, {"start": 2644.53, "end": 2645.09, "word": " شيكل", "probability": 0.9599609375}, {"start": 2645.09, "end": 2645.69, "word": " هدول", "probability": 0.80419921875}, {"start": 2645.69, "end": 2646.35, "word": " مملوكات", "probability": 0.87978515625}, {"start": 2646.35, "end": 2647.07, "word": " إلي،", "probability": 0.6736653645833334}, {"start": 2647.07, "end": 2647.71, "word": " تمام؟", "probability": 0.8313802083333334}, {"start": 2647.71, "end": 2649.15, "word": " و", "probability": 0.7421875}, {"start": 2649.15, "end": 2650.43, "word": " من", "probability": 0.533203125}, {"start": 2650.43, "end": 2650.79, "word": " حقي", "probability": 0.89111328125}, {"start": 2650.79, "end": 2651.31, "word": " أتصرف", "probability": 0.9674072265625}, {"start": 2651.31, "end": 2651.89, "word": " فيه،", "probability": 0.6993815104166666}, {"start": 2651.89, "end": 2652.51, "word": " أنا", "probability": 0.52294921875}, {"start": 2652.51, "end": 2653.27, "word": " أشتري،", "probability": 0.9416015625}, {"start": 2653.27, "end": 2653.53, "word": " لكن", "probability": 0.9755859375}, {"start": 2653.53, "end": 2653.79, "word": " هل", "probability": 0.941162109375}, {"start": 2653.79, "end": 2653.93, "word": " من", "probability": 0.99609375}, {"start": 2653.93, "end": 2654.45, "word": " حقي", "probability": 0.8836263020833334}, {"start": 2654.45, "end": 2655.13, "word": " أطبع", "probability": 0.984130859375}, {"start": 2655.13, "end": 2656.13, "word": " اللي", "probability": 0.720703125}, {"start": 2656.13, "end": 2656.59, "word": " ماطبعاش", "probability": 0.697412109375}, {"start": 2656.59, "end": 2656.97, "word": " مكون", "probability": 0.747314453125}, {"start": 2656.97, "end": 2657.47, "word": " اسمه؟", "probability": 0.8984375}, {"start": 2657.47, "end": 2658.49, "word": " مزيف", "probability": 0.8876953125}], "temperature": 1.0}, {"id": 114, "seek": 267304, "start": 2659.94, "end": 2673.04, "text": "في فرق بين تملك تملك وفي فرق بين الإنتاج كمان الكتاب هذا من حقي اتصرف فيه بعد مشاريته لكن ليس من حقي ان اطبعه شكرا لكم", "tokens": [41185, 6156, 2288, 4587, 49374, 46811, 23275, 46811, 23275, 4032, 41185, 6156, 2288, 4587, 49374, 33688, 29399, 26108, 9122, 2304, 7649, 33251, 2655, 16758, 23758, 9154, 11331, 4587, 1829, 1975, 2655, 9381, 28480, 8978, 3224, 39182, 37893, 9640, 36081, 3224, 44381, 32239, 3794, 9154, 11331, 4587, 1829, 16472, 1975, 9566, 3555, 3615, 3224, 13412, 4117, 23557, 5296, 24793], "avg_logprob": -0.20338983707508798, "compression_ratio": 1.6746031746031746, "no_speech_prob": 3.2782554626464844e-06, "words": [{"start": 2659.94, "end": 2660.32, "word": "في", "probability": 0.489990234375}, {"start": 2660.32, "end": 2660.82, "word": " فرق", "probability": 0.8561197916666666}, {"start": 2660.82, "end": 2661.1, "word": " بين", "probability": 0.9462890625}, {"start": 2661.1, "end": 2661.88, "word": " تملك", "probability": 0.783935546875}, {"start": 2661.88, "end": 2663.1, "word": " تملك", "probability": 0.622314453125}, {"start": 2663.1, "end": 2663.54, "word": " وفي", "probability": 0.81103515625}, {"start": 2663.54, "end": 2664.08, "word": " فرق", "probability": 0.9794921875}, {"start": 2664.08, "end": 2664.58, "word": " بين", "probability": 0.98828125}, {"start": 2664.58, "end": 2665.4, "word": " الإنتاج", "probability": 0.84814453125}, {"start": 2665.4, "end": 2666.58, "word": " كمان", "probability": 0.8919270833333334}, {"start": 2666.58, "end": 2667.02, "word": " الكتاب", "probability": 0.9231770833333334}, {"start": 2667.02, "end": 2667.44, "word": " هذا", "probability": 0.317138671875}, {"start": 2667.44, "end": 2667.86, "word": " من", "probability": 0.96484375}, {"start": 2667.86, "end": 2668.26, "word": " حقي", "probability": 0.9158528645833334}, {"start": 2668.26, "end": 2668.7, "word": " اتصرف", "probability": 0.8629150390625}, {"start": 2668.7, "end": 2668.9, "word": " فيه", "probability": 0.93115234375}, {"start": 2668.9, "end": 2669.06, "word": " بعد", "probability": 0.473388671875}, {"start": 2669.06, "end": 2669.78, "word": " مشاريته", "probability": 0.73797607421875}, {"start": 2669.78, "end": 2670.26, "word": " لكن", "probability": 0.76416015625}, {"start": 2670.26, "end": 2670.6, "word": " ليس", "probability": 0.979248046875}, {"start": 2670.6, "end": 2670.74, "word": " من", "probability": 0.98779296875}, {"start": 2670.74, "end": 2671.28, "word": " حقي", "probability": 0.8704427083333334}, {"start": 2671.28, "end": 2671.68, "word": " ان", "probability": 0.428466796875}, {"start": 2671.68, "end": 2672.28, "word": " اطبعه", "probability": 0.916796875}, {"start": 2672.28, "end": 2672.76, "word": " شكرا", "probability": 0.92724609375}, {"start": 2672.76, "end": 2673.04, "word": " لكم", "probability": 0.936767578125}], "temperature": 1.0}], "language": "ar", "language_probability": 1.0, "duration": 2674.07975, "duration_after_vad": 2559.4099999999944}
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/UQKV2YczyMo_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/UQKV2YczyMo_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..76b0831bf9a4faacf37790755e57cc7a2b6efd3b
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/UQKV2YczyMo_raw.srt
@@ -0,0 +1,1684 @@
+1
+00:00:20,820 --> 00:00:26,680
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:26,680 --> 00:00:31,840
+على رسول الله وعلى آله وصحبه ومن اهتدأ بهديه
+
+3
+00:00:31,840 --> 00:00:37,660
+واستنى بسنته إلى يوم الدين وبعده
+
+4
+00:00:37,660 --> 00:00:43,100
+نسألك اللهم ربنا أن تيسر لنا أمورنا وأن تشرح لنا
+
+5
+00:00:43,100 --> 00:00:49,920
+صدورنا وأن تعلمنا ما ينفعنا وأن تنفعنا بما علمتنا
+
+6
+00:00:51,430 --> 00:00:56,890
+وان تسدد على الحق جميع خطانا يا رب العالمين وبعد
+
+7
+00:00:56,890 --> 00:01:04,570
+نواصل حديثنا حول حق التأليف والذي كنا قد ابتدأنا
+
+8
+00:01:04,570 --> 00:01:09,510
+الحديث فيه في المحاضرة السابقة ربما أو التي قبلها
+
+9
+00:01:09,510 --> 00:01:17,190
+حيث عرفنا حق التأليفوعرفنا أنه صورة من صور الحقوق
+
+10
+00:01:17,190 --> 00:01:22,770
+المعنوية إجمالا أو الحقوق الإبتكار على وجه الخصوص
+
+11
+00:01:22,770 --> 00:01:32,270
+صورة من صورها وأنه ذلكم الكلام الذي ينطوي الكلام
+
+12
+00:01:32,270 --> 00:01:39,330
+المدون الذي ينطوي على عمل إبداعي أي إن كانت درجته
+
+13
+00:01:39,330 --> 00:01:46,010
+ومهما كانت أهميتهوفهمنا من ذلك أن المؤلفات ليس
+
+14
+00:01:46,010 --> 00:01:51,410
+بالضرورة المؤلفات ليس بالضرورة أن تكون عملا
+
+15
+00:01:51,410 --> 00:01:58,130
+إبداعيا بالكلية ولكن يمكن أن يكون الإبداع جزئيا من
+
+16
+00:01:58,130 --> 00:02:03,940
+خلالشرح كتاب سابق أو اختصاره أو إضافة تعليقات
+
+17
+00:02:03,940 --> 00:02:11,640
+عليها أو تخريجات أو توضيحات كل ذلك يعتبر إبداعا
+
+18
+00:02:11,640 --> 00:02:17,520
+حتى أن الترجمة اعتبرناها إبداعا مادامة قد بذلت
+
+19
+00:02:17,520 --> 00:02:23,720
+فيها جهدا ولم تكن عبر الكمبيوتر ضغط زر هذه ما
+
+20
+00:02:23,720 --> 00:02:29,810
+اسمهاش إبداعزي بالظبط وبالتالي خرج عن كونه إبداعا
+
+21
+00:02:29,810 --> 00:02:36,070
+المؤلف أو ما يسمى مؤلف وهو ليس كذلك الذي يتم عن
+
+22
+00:02:36,070 --> 00:02:41,810
+طريق تجميع صفحات من هنا وصفحات من هناك هذه ليست
+
+23
+00:02:41,810 --> 00:02:46,870
+مؤلفات ولا يجوز ولا ينبغي أن يدعي أصحابها أو من
+
+24
+00:02:46,870 --> 00:02:53,950
+قاموا بذلك أن لهم أي حقوقفيها لأنها ليست من
+
+25
+00:02:53,950 --> 00:03:00,430
+إبداعهم وإن قاموا بتجميعها بقليل ببذل قليل من
+
+26
+00:03:00,430 --> 00:03:06,190
+الوقت أو الجهد ثم
+
+27
+00:03:06,190 --> 00:03:10,450
+قلنا بعد ذلك أن أهل القانون
+
+28
+00:03:13,130 --> 00:03:18,150
+والدساتير الوطعية في العصور الحديثة قد أثبتوا
+
+29
+00:03:18,150 --> 00:03:24,510
+للمؤلفين حقوقا مادية إضافة إلى الحق الأدبي الذي
+
+30
+00:03:24,510 --> 00:03:30,430
+اجتمعت عليه كلمة العالمينالحق الأدبي اجتمت عليه
+
+31
+00:03:30,430 --> 00:03:37,630
+كلمة العالمين قديما وحديثا والمقصود بذلك ثبوت نسبة
+
+32
+00:03:37,630 --> 00:03:45,510
+المؤلف لمؤلفه فده مما لا يختلف فيه اثنان من الناس
+
+33
+00:03:45,510 --> 00:03:59,530
+بل ان كل عقل يستنكر ويجرم ويحرم ان يدعي شخصنسبة
+
+34
+00:03:59,530 --> 00:04:07,870
+كتاب لم يقم بفعله أو بتدوينه أو بتأليفه هذا مستنكر
+
+35
+00:04:07,870 --> 00:04:15,470
+تماما كما يستنكر الدعاء الولد لغير أبيه لأن هذا
+
+36
+00:04:15,470 --> 00:04:22,890
+المؤلفكالولد بالنسبة لمؤلفه، الولد بالنسبة لأبيه،
+
+37
+00:04:22,890 --> 00:04:29,830
+كالمؤلف بالنسبة لمؤلفه، من حيث ضرورة ثبوت النسبة،
+
+38
+00:04:29,830 --> 00:04:35,390
+هل يقبل أحد أن يُنسب ولده لغيره؟ لأ، كذلك لا يقبل
+
+39
+00:04:35,390 --> 00:04:43,470
+أحد أن يُنسب المؤلف لغير المؤلفوالمؤلف قلنا بمعناه
+
+40
+00:04:43,470 --> 00:04:47,650
+العام، ليس بالضرورة أن يكون المؤلف كتابا، ولكن
+
+41
+00:04:47,650 --> 00:04:54,170
+يمكن أن يكون يعني غير ذالك، ممكن أن يكون المؤلف
+
+42
+00:04:55,550 --> 00:05:03,650
+يعني منتج فني ممكن أن يكون منتج إلكتروني أو إلى
+
+43
+00:05:03,650 --> 00:05:09,590
+غير ذلك ممكن أن يكون رسوم معينة كل ذلك منتجات أو
+
+44
+00:05:09,590 --> 00:05:16,730
+مؤلفات عقلية تدوّن كتابة أو رسما أو إبداعا في هذا
+
+45
+00:05:16,730 --> 00:05:26,400
+المجال أو ذاك قلت إن القوانينتمنع تجيزه أو تعطي حق
+
+46
+00:05:26,400 --> 00:05:36,320
+المؤلفين المالي مقابل مؤلفاتهم وإضافة إلى الحق
+
+47
+00:05:36,320 --> 00:05:41,900
+الأدبي وكذلك
+
+48
+00:05:41,900 --> 00:05:47,740
+قلنا بأن علماء
+
+49
+00:05:47,740 --> 00:05:55,830
+.. العلماءعلماء الشريعة الإسلامية لا ينكرون إثبات
+
+50
+00:05:55,830 --> 00:06:00,470
+الحق الأدبي لأن هذا مما تم الإجماع عليه أما
+
+51
+00:06:00,470 --> 00:06:08,430
+بالنسبة للحق المادي فقلت المرة الماضية بأنه لا
+
+52
+00:06:08,430 --> 00:06:16,730
+خلافة في الحقيقةبين علماء المسلمين في ثبوت او في
+
+53
+00:06:16,730 --> 00:06:25,810
+جواز اخذ بدل مالي عن حقوق التأليف لا ينكر ذلك
+
+54
+00:06:25,810 --> 00:06:28,830
+علماء الشريعة لا يمنعون ذلك في الجملة
+
+55
+00:06:32,060 --> 00:06:39,440
+إذا ماذا عن الخلاف الذي يعني نراه في الكتاب أو
+
+56
+00:06:39,440 --> 00:06:44,280
+شرحناه في المخادرة؟ نحن وجدنا اختلافا بين العلماء
+
+57
+00:06:44,280 --> 00:06:50,760
+بين مجيز ومانع لأخذ البدل المالي قلت أن هذا الخلاف
+
+58
+00:06:50,760 --> 00:07:00,170
+منطلقه فيما إذا كان أخذ البدل المالييسببوا إيه؟
+
+59
+00:07:00,170 --> 00:07:06,760
+قتمانا للعلم أو تضييقا لدائرة نشرههذه المسألة اللي
+
+60
+00:07:06,760 --> 00:07:10,780
+بين إيدينا و اللي فيها خلاف و اللي بنتحدث فيها من
+
+61
+00:07:10,780 --> 00:07:14,960
+المرة اللي فاتت و اليوم هنكملها هي إيه؟ هي لا
+
+62
+00:07:14,960 --> 00:07:21,340
+تتعلق بمبدأ أخذ البدل المالي فإن مبدأ أخذ البدل
+
+63
+00:07:21,340 --> 00:07:26,180
+المالي يكاد يكون مجمع عليه و معروف قديما و حديثا و
+
+64
+00:07:26,180 --> 00:07:32,140
+دللنا على ذلك من حيثكيف كان علماء المسلمين يجدون
+
+65
+00:07:32,140 --> 00:07:37,420
+الرعاية المالية والمادية من قبل الحكومات والخلافات
+
+66
+00:07:37,420 --> 00:07:46,340
+هناك حيثيعني يقدمون لهم كل ما يحتاجونه من المسكن
+
+67
+00:07:46,340 --> 00:07:52,600
+والمأكل والمشرب والراحلة وغير ذلك وكل ذلك ما هو
+
+68
+00:07:52,600 --> 00:07:57,980
+إلا بدل مالي ومادي مقابل جهودهم الفكرية ومقابل
+
+69
+00:07:57,980 --> 00:08:04,410
+مؤلفاتهم ومدوناتهمولم نجد أحدا من العلماء على مر
+
+70
+00:08:04,410 --> 00:08:11,470
+العصور المتعاقبة ينكروا هذا الأمر ينكروا أخذ هؤلاء
+
+71
+00:08:11,470 --> 00:08:17,670
+مثل هذه البدالات المادية مقابل مؤلفاتهم إذا
+
+72
+00:08:17,670 --> 00:08:23,090
+المسألة ليست في محل خلاف حقيقة ولكن عندما يصبحوا
+
+73
+00:08:23,090 --> 00:08:28,570
+أخذ البدل المالي سببا في الكتمان أو في تضييق
+
+74
+00:08:28,570 --> 00:08:34,300
+الدائرةكما هو يعني في عصرنا و أيضا نظر في المسألة
+
+75
+00:08:34,300 --> 00:08:40,560
+أو يعني و وجدنا اختلافا و رغم ذلك وجدنا ان جمهور
+
+76
+00:08:40,560 --> 00:08:47,550
+العلماء قالوا بإيه؟ بجواز أخذ البدأ الماليمهما
+
+77
+00:08:47,550 --> 00:08:54,150
+كانت النتائج وقلنا إلا إذا وصل الأمر إلى ما فيه
+
+78
+00:08:54,150 --> 00:08:59,250
+ضرر على الأمة إذا كان هذا المنتج الفكري المؤلف
+
+79
+00:08:59,250 --> 00:09:03,530
+يعود بالمصطحى العظمى على الأمة بحيث لو لم تنتفق به
+
+80
+00:09:03,530 --> 00:09:12,960
+يعني تتخلفأو يعني تضرر معنا ذلك في هذه الحالة نحن
+
+81
+00:09:12,960 --> 00:09:19,820
+نجبره إجبارا على المؤلف وعلى أخذ البدل المالي على
+
+82
+00:09:19,820 --> 00:09:29,060
+أخذ مؤلفه وفي المقابل نعطيه نعطيه ماذا يعني بدلا
+
+83
+00:09:29,060 --> 00:09:35,450
+ماليا بمعنى أنه عندما نجبره لا نغمطه حقهعندما
+
+84
+00:09:35,450 --> 00:09:41,490
+نجبره على الانتفاع، انتفاع المجتمع، أصحاب الرأي
+
+85
+00:09:41,490 --> 00:09:45,570
+الأول حتى، أصحاب الرأي الثاني، نعم، إذا حتى عندما
+
+86
+00:09:45,570 --> 00:09:53,170
+يجبر على ذلك، لا يغمض حقه، هذا إجمالا في الضرورة،
+
+87
+00:09:53,170 --> 00:10:02,950
+فلذلك يا أخوة، يعني المسألة كما قلت، يعني عندما
+
+88
+00:10:06,370 --> 00:10:10,330
+لأ أصحاب الرأي الأول الذين يقولون بجواز الانتفاع
+
+89
+00:10:10,330 --> 00:10:15,030
+وجوازت بالتالي جواز الانتفاع يعني دائرة أوسع على
+
+90
+00:10:15,030 --> 00:10:20,750
+وهي حقه في التصرف كيف يشاء بمعنى يجوز أن يأخذ
+
+91
+00:10:20,750 --> 00:10:28,450
+البدل ويجوز أن يمنعه عن غيرهيمنعه عن غيره احنا
+
+92
+00:10:28,450 --> 00:10:31,690
+بنقول هو حر وقلت المرة اللي فاتت يمكن أن كنتم
+
+93
+00:10:31,690 --> 00:10:36,270
+تذكرون ان أصحاب هذا الرأي الأول جمهور العلماء
+
+94
+00:10:36,270 --> 00:10:41,710
+يتعاملون مع المنتج هذا الفكري او المؤلف باعتباره
+
+95
+00:10:41,710 --> 00:10:49,340
+شيء مملوكمادي باعتباره شيئا مملوكا ماديا فكما أن
+
+96
+00:10:49,340 --> 00:10:56,420
+من حق كل شخص أن يتصرف في ممتلكه المادي كيف يشاء من
+
+97
+00:10:56,420 --> 00:11:02,000
+حقه أن يبيعه أو يؤجره أو أن لا يفعل شيئا من ذلك أن
+
+98
+00:11:02,000 --> 00:11:07,670
+يمنعهعن أن ينتفع بيه أحد عن أن يشتريه أحد أليس من
+
+99
+00:11:07,670 --> 00:11:13,910
+حقه فكذلك المنتج للفكرة لكن إلا إذا وكذلك و هذا زي
+
+100
+00:11:13,910 --> 00:11:17,930
+المنتج المادي إذا كانت الأمة أو الدولة أو المجتمع
+
+101
+00:11:17,930 --> 00:11:26,410
+في حاجة لهذا الشيء ماديا أو معنويا فيجبر على تركه
+
+102
+00:11:26,410 --> 00:11:34,660
+ولكن بمقابل يجبر على بيعهأو تأجيره ولكن دون أن
+
+103
+00:11:34,660 --> 00:11:40,540
+يغمط حقه، لكن إن لم يكن ثم تضرورة في الأحوال
+
+104
+00:11:40,540 --> 00:11:44,640
+العادية، لا يجبرفي الأشخاص العادية له الحق في أن
+
+105
+00:11:44,640 --> 00:11:50,640
+يبيع أو أن يشتري أو أن يمتنع عن البيع أو الشراء له
+
+106
+00:11:50,640 --> 00:11:54,960
+السلطة كاملة لما المجهزين يا إخوة اللي بيقولوا
+
+107
+00:11:54,960 --> 00:12:00,160
+يجوز أخد البدل المالي يعني هذا جزء من رأيهم يعني
+
+108
+00:12:00,160 --> 00:12:05,520
+يجوز أخد البدل المالي و يجوز أن يمتنع عن أيه كمان؟
+
+109
+00:12:06,130 --> 00:12:14,310
+التصرف فيه يجوز ان يمتنع عن ان ينشره يجوز ان يمتنع
+
+110
+00:12:14,310 --> 00:12:19,930
+عن بيعه عن تأجيره هذا ملكي بالظبط و زي ما انا في
+
+111
+00:12:19,930 --> 00:12:23,690
+دوري اللي فات قلته انا عندي منزلين واحد مستفى ساكن
+
+112
+00:12:23,690 --> 00:12:28,350
+فيه والتاني مش ساكن فيه حد ممكن يجبرني انه اأجره
+
+113
+00:12:28,350 --> 00:12:34,850
+او ابيعهلا، لا أحد، مع أنه يعني أنا مش بأستفيد
+
+114
+00:12:34,850 --> 00:12:38,450
+منه، ربما واحد يقول يخلي الناس تستفيد، ماعليش دعوة
+
+115
+00:12:38,450 --> 00:12:43,990
+أنا، مش مجبر على ذلك، إلا، هذه حالة استثنائية، إلا
+
+116
+00:12:43,990 --> 00:12:50,050
+إذا كان هناك حالة ضرورية تقتضي الانتفاع بهذا
+
+117
+00:12:50,050 --> 00:12:57,770
+المسكن، و عندها يجبر عن التخلي عنه، يعني بمقابل
+
+118
+00:12:57,770 --> 00:13:09,310
+الإيجاربالضبط هذه هي المسألة واستدلوا
+
+119
+00:13:09,310 --> 00:13:15,090
+بادلة ذكرناها وفصلناها لكن الرأي الآخر شوفوا اه
+
+120
+00:13:15,090 --> 00:13:22,850
+الرأي الآخر قال لأ في حالة ما إذا كان المنتج
+
+121
+00:13:22,850 --> 00:13:31,940
+الفكري بيعهأو بمعنى آخر التصرف حق التسلط عليه من
+
+122
+00:13:31,940 --> 00:13:37,460
+قبل صاحبه يسببه كتمانا و تضييقا للدائرة النشر
+
+123
+00:13:37,460 --> 00:13:46,220
+فعندها بنقوله لأ لا يجوز لك أن تأخذ والأصل كأنهم
+
+124
+00:13:46,220 --> 00:13:55,430
+يريدون أن يقولوا أن العلم ينتشرأو يتاح ويباح بين
+
+125
+00:13:55,430 --> 00:14:01,090
+الناس ولا يجوز أن يتسلط واحد لو حتى لو كان صاحب
+
+126
+00:14:01,090 --> 00:14:06,050
+العلم هذا او صاحب الكتاب ان يتسلط عليه فيمنعه عن
+
+127
+00:14:06,050 --> 00:14:11,370
+الناس لا يجوز وهم انا زي ما بينتلكم المرة اللي
+
+128
+00:14:11,370 --> 00:14:18,500
+فاتت يعنيلم يكن كلامهم تعصفا للأمانة ولكن قالوا
+
+129
+00:14:18,500 --> 00:14:24,820
+ولكن في الحالة هذه ينبغي على الدولة أن تقوم برعاية
+
+130
+00:14:24,820 --> 00:14:30,440
+هؤلاء المؤلفين لأن السؤال هينسأله هم طب ماذا
+
+131
+00:14:30,440 --> 00:14:36,500
+سيفعلون؟ من أين سيأكلون؟ وأين سيسكنون؟ فهم بيقولوا
+
+132
+00:14:36,500 --> 00:14:42,340
+أصل أن الدولة وهذا اللي خلانا نقول أنه في اتفاقبين
+
+133
+00:14:42,340 --> 00:14:47,300
+العلماء من حيث الجواز عن أخذ البدل المالي، لكن
+
+134
+00:14:47,300 --> 00:14:54,300
+الخلاف كما قلت فيما إذا لم يكن هناك .. فيما إذا
+
+135
+00:14:54,300 --> 00:15:01,780
+كان أخذ البدل المالي يسببه كثماناوالذين قالوا بعدم
+
+136
+00:15:01,780 --> 00:15:05,920
+الجواز يعني استدلوا بأدلة أيضا استعرضتها المرة
+
+137
+00:15:05,920 --> 00:15:11,640
+الماضية وقلنا أنه على رأس هذه الأدلة هو مسألة أنه
+
+138
+00:15:11,640 --> 00:15:16,240
+يسببه في الكتمان هو المنطلق نفسه الذي من أجله كان
+
+139
+00:15:17,360 --> 00:15:22,780
+قولهم بالمنع هو كان احد او اول دليل استدلوا فيه
+
+140
+00:15:22,780 --> 00:15:29,740
+اول دليل استدلوا فيه انه ال يعني لو قلنا بجواز اخذ
+
+141
+00:15:29,740 --> 00:15:34,240
+البدل المالي ها هم استدلوا بالمنع على المنع مش هيك
+
+142
+00:15:34,240 --> 00:15:38,500
+فهم بيقولوا لو قلنا بجواز اخذ البدل المالي كما
+
+143
+00:15:38,500 --> 00:15:45,360
+تقولون يا جمهورلترتب على ذلك كتمانا للعلم لأن أخذ
+
+144
+00:15:45,360 --> 00:15:52,920
+البدل المالي هذا سيرفع من ثمن المؤلف وبالتالي
+
+145
+00:15:52,920 --> 00:15:58,460
+سيمنع شريحة أو فئة كبيرة من الناس من أن يصل إليها
+
+146
+00:15:58,460 --> 00:16:03,180
+الكتاب وأن ينتفع بالكتاب وهذا نوعا من كتمان العلم
+
+147
+00:16:03,180 --> 00:16:10,390
+ومنعه وتضييق دائرة نشرهلأن فرق خاصة في ظل وجود،
+
+148
+00:16:10,390 --> 00:16:15,630
+وهذه حقيقة، كتب قد يرتفع سعرها إلى مستوى باهظ
+
+149
+00:16:15,630 --> 00:16:21,330
+والناس تكون في حاجة ربما ماسة له، يقولوا لا يا عم
+
+150
+00:16:22,170 --> 00:16:26,430
+الاصد كأنهم يريدون أن يقولوا أنه مدام يعني المنتج
+
+151
+00:16:26,430 --> 00:16:33,330
+هذا خرج يعني وإن كان قد خرج عن فكرة الإنسان إلا
+
+152
+00:16:33,330 --> 00:16:39,390
+أنه من حق المجتمع كله أن يستفيد منهم والدولة هي
+
+153
+00:16:39,390 --> 00:16:43,870
+اللي تتكفل بالمفكرين أو بالمؤلفين
+
+154
+00:16:45,830 --> 00:16:51,470
+وإحنا يومها شفنا إيش يعني وأيدوا كلامهم بالآيات
+
+155
+00:16:51,470 --> 00:16:57,310
+والأحاديث فمن حيث التهديد القرآني لأولئك وإثبات
+
+156
+00:16:57,310 --> 00:17:01,290
+اللعنة على أولئك الذين إيه يكتمون العلم، اللذين
+
+157
+00:17:01,290 --> 00:17:06,710
+يكتمون ما أنزلنا من البيانات والهدىأولئك يلعنهم
+
+158
+00:17:06,710 --> 00:17:12,190
+الله و يلعنهم اللعنون، يعني تهديد، يعني مافي أخطر
+
+159
+00:17:12,190 --> 00:17:19,010
+منه، اللعن، الطرد من رحمة الله، فإذا كان هذه عملية
+
+160
+00:17:19,010 --> 00:17:24,840
+كأنهم يريدون أن يقولوا، إذا كانإذا كان بيع الكتاب
+
+161
+00:17:24,840 --> 00:17:30,660
+وأخذ البدل المالي يسبب تضييقا وكتمانا فإنه سيقض
+
+162
+00:17:30,660 --> 00:17:34,660
+باللعنة على صاحبه وبالتالي فيكون حراما ما يؤدي
+
+163
+00:17:34,660 --> 00:17:43,880
+للحرام فهو فهو حرام ثم إنهم بعد ذلك استدلوا بدلة
+
+164
+00:17:43,880 --> 00:17:49,760
+أخرى قالوا بأنه قربة وقالوا بأنه أيه قياسا على
+
+165
+00:17:49,760 --> 00:17:50,320
+الشفعة
+
+166
+00:17:53,330 --> 00:18:02,650
+الى غير ذلك احنا الان سنعود الى هذه الأدلة ادلة
+
+167
+00:18:02,650 --> 00:18:09,730
+المانعين الخامسة اللتي استدلوا بها و سنحاول ان نرد
+
+168
+00:18:09,730 --> 00:18:16,310
+عليها او نناقشها كما فعل الجمهور الجمهور يا اخوة
+
+169
+00:18:16,310 --> 00:18:23,470
+حقيقة استدلوا بادلة يعني منطقية جدامنطقية وشرعية
+
+170
+00:18:23,470 --> 00:18:28,330
+وواقعية لأنه لو لاحظته استدلوا أول ما استدلوا
+
+171
+00:18:28,330 --> 00:18:32,890
+بالمبادئ الشرعية من باب المسئولية العامة عن كل ما
+
+172
+00:18:32,890 --> 00:18:39,350
+يصل عن الإنسان من ما ينفذ من قول ومن يعمل مثقعة
+
+173
+00:18:39,350 --> 00:18:43,870
+درة استدلوا بالواقعية من حيث المصلحة
+
+174
+00:18:46,250 --> 00:18:51,310
+ومن حيث المصلحة، المصلحة تقتضي ذلك، لو لا أنه
+
+175
+00:18:51,310 --> 00:18:55,930
+يجوز، وإذا قلنا بعدم الجواز، سيودي ذلك إلى كذا،
+
+176
+00:18:55,930 --> 00:19:03,010
+واستدلوا بالعرف، واستدلوا بالمنطق، يعني برضه
+
+177
+00:19:03,010 --> 00:19:06,910
+المنطق والمصلحة متقاربات، فكل دلتهم قوية، وترجح
+
+178
+00:19:06,910 --> 00:19:08,630
+حقيقة قولهم
+
+179
+00:19:10,770 --> 00:19:18,310
+ثم إنهم يتنغمون مع ما اجتمعت عليه كلمة المسلمين في
+
+180
+00:19:18,310 --> 00:19:25,310
+سابق العهود أما المانعين مع كل الاحترام لوجهة
+
+181
+00:19:25,310 --> 00:19:33,090
+نظرهم لكن أدلتهم يعني في الجملة ضعيفةيمكنوا
+
+182
+00:19:33,090 --> 00:19:42,450
+مناقشتها والرد عليها بسهولة وهذا ما قام به الأولون
+
+183
+00:19:42,450 --> 00:19:47,630
+أو الجمهور وهذا الذي جعل صاحبنا في الكتابة وهو ما
+
+184
+00:19:47,630 --> 00:19:53,130
+نؤيده حقيقة يقول بأن الراجح هو إيه هو جواز أخذ
+
+185
+00:19:53,130 --> 00:19:57,730
+البدل الماليمال؟ يعني فقط احنا استثننا حد في
+
+186
+00:19:57,730 --> 00:20:00,910
+الضرورة، والضرورة أساساً مستثنية يا أخوة في
+
+187
+00:20:00,910 --> 00:20:05,730
+الشريعة أجمالاً، الضرورات تبقى المحذورات، يعني لكن
+
+188
+00:20:05,730 --> 00:20:08,730
+احنا متكلم عن حكم عام، أنا مين بيغصبني أبيع
+
+189
+00:20:08,730 --> 00:20:13,430
+الكمبيوتر تبعي، مع حدا، أو أهجره أو أستفيد منه أو
+
+190
+00:20:13,430 --> 00:20:14,590
+إلى غير ذلك؟
+
+191
+00:20:25,150 --> 00:20:30,450
+والدولة ممكن تجبر
+
+192
+00:20:30,450 --> 00:20:36,840
+هذا الشخص على بيعهللاستفادة العامة من باب .. من
+
+193
+00:20:36,840 --> 00:20:42,120
+باب قائدة أخرى، وهي أيه؟ ترجيح المصطحة العامة على
+
+194
+00:20:42,120 --> 00:20:45,640
+المصطحة الخاصة، أحسنتي من باب منطلقة .. هو الأصل
+
+195
+00:20:45,640 --> 00:20:49,760
+أنه .. حتى الأصل أنه ممنوع أدخل فيه، الإسلام يا
+
+196
+00:20:49,760 --> 00:20:56,680
+إخوة يحترم الملكية الخاصةويحترم الملكية العامة لكن
+
+197
+00:20:56,680 --> 00:21:00,200
+عندما تتعارض الملكية الخاصة مع الملكية العامة
+
+198
+00:21:00,200 --> 00:21:07,180
+أيهما يقدم يعني أيهما يقدم مصلحة فرد ولا مصلحة أمي
+
+199
+00:21:07,180 --> 00:21:12,500
+بالتأكيد يعني إذا كان في الجهاد في سبيل الله لو
+
+200
+00:21:12,500 --> 00:21:21,120
+تترسى العدو بمجموعة من المسلمينالعدو تترس وهذا
+
+201
+00:21:21,120 --> 00:21:26,400
+بيحصل في حالة يعني في حالات معينة بيبقى خايف بيبقى
+
+202
+00:21:26,400 --> 00:21:30,820
+يعني مرتبك بيبقى مهزوم بيبقى بده يخش على مواقع
+
+203
+00:21:30,820 --> 00:21:34,940
+وهذا احنا عارفينه وشهدناه وعايشناه نحن أبناء
+
+204
+00:21:34,940 --> 00:21:43,120
+فلسطين لو تترس العدو بمجموعة من المسلمين ولم يكن
+
+205
+00:21:43,120 --> 00:21:55,370
+ثمة مجال لدحر هؤلاءإلا بقتل المسلمين بحيث
+
+206
+00:21:55,370 --> 00:22:03,310
+لو لم يفعلوا ذلك لأدى إلى قتلى أو إلى تدمير وخراب
+
+207
+00:22:03,310 --> 00:22:08,770
+كبير، إذا ما عملناش هيك، هدول مقتحمين ومجتحين،
+
+208
+00:22:08,770 --> 00:22:13,690
+وحيقتلوا الترس، من تترسوا بهم أو الأسرى هدول،
+
+209
+00:22:13,690 --> 00:22:20,540
+وحيقتلوا أضعف مضاعفة، وحيخربوا ويتدمرواأجازة فقهاء
+
+210
+00:22:20,540 --> 00:22:25,120
+أو على الأقل بعض فقهاء المسلمين أجازوا قتل الترس
+
+211
+00:22:26,100 --> 00:22:34,220
+ولكن ليس قصدا، يعني تحاول ما مستطعت أن تتحاشى يعني
+
+212
+00:22:34,220 --> 00:22:39,840
+المسلم، إن كنت تعرفه طبعا، اه، إن كنت تعرفه، او إن
+
+213
+00:22:39,840 --> 00:22:44,020
+أمكن ذلك، ولا أظن أن هذا متصور في .. في .. في ضل
+
+214
+00:22:44,020 --> 00:22:48,740
+الحرب، يمكن تنزل عليهم برميل زي برميل الأسد اه و
+
+215
+00:22:48,740 --> 00:22:56,690
+.. ولا ..يعني أقصد أن المصطحى الأعمى مقدمى، دايما،
+
+216
+00:22:56,690 --> 00:23:00,770
+حتى يعني لو كان الأمر متعلق بالأرواح، هو اللي
+
+217
+00:23:00,770 --> 00:23:05,890
+مجاهد في سبيل الله، هو جداش النفس عزيزة في الإسلام
+
+218
+00:23:05,890 --> 00:23:14,320
+لهدم الكعباءيعني ايه؟ أهوًا، أبسط على الله من
+
+219
+00:23:14,320 --> 00:23:19,500
+إهراقي دم مرئ المسلم ومع ذلك في الجهاد في سبيل
+
+220
+00:23:19,500 --> 00:23:25,400
+الله، دفاعًا عن الدين ودفاعًا عن الوطن، يقدم شباب
+
+221
+00:23:25,400 --> 00:23:34,950
+الإسلام أرواحهم رخيصةرغم عزتها و رغم مكانتها في
+
+222
+00:23:34,950 --> 00:23:38,810
+الدين و احترام الإسلام لها و تقديرها و تقديسها
+
+223
+00:23:38,810 --> 00:23:47,390
+تقدم رخيصة و بشرعنة الدين مش هو يعني بالهوى و
+
+224
+00:23:47,390 --> 00:23:55,630
+بأمره مقابل ماذا؟ قبل الجنة و قبل الآخرة دفاعا عن
+
+225
+00:23:55,630 --> 00:24:02,580
+الأوطان و الأديانلأنه لو لم يقم أو لو لم يرفع لواء
+
+226
+00:24:02,580 --> 00:24:10,000
+الجهاد لن يعود او لن يكون تكون النتيجة الا الذل
+
+227
+00:24:10,000 --> 00:24:17,690
+والهوان والقتل والتدميروالهزيمة و النكبة للمسلمين
+
+228
+00:24:17,690 --> 00:24:22,190
+فلإن يجاهد حتى وإن كان الجهاد سيؤدي إلى الاستشهاد
+
+229
+00:24:22,190 --> 00:24:26,070
+أو القتل لعدد من المسلمين يقتل ألف ألفين استشهد
+
+230
+00:24:26,070 --> 00:24:32,080
+تزا ويحمى تحمى الملايين بعد ذلك وتحمى المقداراتهذا
+
+231
+00:24:32,080 --> 00:24:36,440
+أيضا إذا شرعانة الجهاد يا إخوة من هذا الباب أيضا
+
+232
+00:24:36,440 --> 00:24:41,620
+من باب تقديم المصلحة العامة على المصلحة الخاصة هذه
+
+233
+00:24:41,620 --> 00:24:47,400
+موازين مراعية في الإسلام وبدقة متناهية يعني
+
+234
+00:24:47,400 --> 00:24:51,380
+الإسلام رغم .. لا يعني هذا إن الإسلام يمتهن أو
+
+235
+00:24:51,380 --> 00:24:58,040
+يهون من حياة المسلم كما يظن البعض لا واللهبل إن
+
+236
+00:24:58,040 --> 00:25:04,200
+عزة يعني أو مكانة الروح أو النفس في الإسلام يعني
+
+237
+00:25:04,200 --> 00:25:10,420
+اللي هي أكتر من الكعبة، إيش بدكوا أكتر منه؟ فلكن
+
+238
+00:25:10,420 --> 00:25:14,800
+هذا كله أمام المصلحة العامة، ما هي عض النفس، ستحمي
+
+239
+00:25:14,800 --> 00:25:22,840
+نفوسا، نفس ستدرأ و تضرر عن الأمة بكاملها
+
+240
+00:25:24,640 --> 00:25:31,100
+إذا دعونا نعود إلى مناقشة أدلة القائلين بالمنعه
+
+241
+00:25:31,100 --> 00:25:36,520
+أول دليل مالذي لسه دالوا فيه يعني ويبدو من ظاهر
+
+242
+00:25:36,520 --> 00:25:43,160
+الأدلة أنها شرعية وأنها منطقية فهل من مناقشة أو رد
+
+243
+00:25:43,160 --> 00:25:48,060
+أو لها الدليل الأول جلناه اللي هو لسه دالوا فيه
+
+244
+00:25:48,060 --> 00:25:53,300
+اللي هو إيه؟إن هذا يؤدي إلى الكتمان يا عمي و مدام
+
+245
+00:25:53,300 --> 00:25:57,020
+يؤدي إلى الكتمان أو على الأقل تضييق الدائرة فيكون
+
+246
+00:25:57,020 --> 00:26:04,590
+حراما لأنه يؤدي إلى ما نهى عنه رب العالمينسبحانه
+
+247
+00:26:04,590 --> 00:26:11,530
+وتعالى وما وعد به فما السبيل على الرد؟ و هذا قد
+
+248
+00:26:11,530 --> 00:26:17,230
+يكون فيه نوع من المصداقية يعني الكلام حقيقة ممكن و
+
+249
+00:26:17,230 --> 00:26:21,530
+احنا يعني ماذا يمكن ان يقال؟ ماذا يمكن ان يرد على
+
+250
+00:26:21,530 --> 00:26:29,010
+هذا الدليل يا ترى؟ تفضل
+
+251
+00:26:29,200 --> 00:26:32,420
+هو بيبقى إنه ما بينتقلش منه، ماينتقلش بعدين ويا
+
+252
+00:26:32,420 --> 00:26:33,560
+مرتبان ثاني ويا مرتبان ثالث
+
+253
+00:26:37,320 --> 00:26:42,080
+ماذا يعني هذا؟ يعني كلام جميل، لكن احنا بدنا .. مش
+
+254
+00:26:42,080 --> 00:26:46,980
+ردود عامة، احنا بدنا رد على خصوصية الدليل، كلامك
+
+255
+00:26:46,980 --> 00:26:51,500
+رد إجمالي يعني، قد يكون مقبولا، بدي رد على الدليل،
+
+256
+00:26:51,500 --> 00:26:57,740
+على يعني انصاح الترابير تقويب أو نقض الدليل، او
+
+257
+00:26:57,740 --> 00:27:02,400
+يعني اثبات عدم صلاحيته في هذا الاستدلال، نعم
+
+258
+00:27:02,400 --> 00:27:03,980
+الاسلام اعترف الحق
+
+259
+00:27:30,450 --> 00:27:34,770
+على أي حال كلام جميل ربما يحتاج قليل جدا من
+
+260
+00:27:34,770 --> 00:27:43,440
+التوضيح واضحه يعني كأنيبالرد على هذا الدليل يعني
+
+261
+00:27:43,440 --> 00:27:53,560
+مفاده او طريقه هو اننا نسلم معاكم بأن نسلموا
+
+262
+00:27:53,560 --> 00:27:59,540
+معاكم او لكم بأن الكتمان ايه حرام كتمان العلم حرام
+
+263
+00:27:59,540 --> 00:28:05,680
+ماشي احنا .. لكن انظروا الى الجانب الاخر انظروا
+
+264
+00:28:05,680 --> 00:28:13,400
+الاسلام له قواعدهالتي ينبغي أن ننظر إليها و نعتمد
+
+265
+00:28:13,400 --> 00:28:20,320
+عليها عند استنباط الحكم انظروا إلى الجانب الآخر أو
+
+266
+00:28:20,320 --> 00:28:24,580
+إلى القواهد أخرى أو أحكام أخرى عامة الأحكام الأخرى
+
+267
+00:28:24,580 --> 00:28:30,560
+العامة هي أن الله سبحانه وتعالى نهى عن أكل أموال
+
+268
+00:28:30,560 --> 00:28:35,010
+الناس بالباطلولا لا قاعدة هي آية و قاعدة يا أيها
+
+269
+00:28:35,010 --> 00:28:40,490
+الذين آمنوا لاتأكلوا أموالكم بينكم بالباطل نعم
+
+270
+00:28:40,490 --> 00:28:48,550
+القاعدة العامة إن الإنسان أحق بثمرة جوده هذه قواعد
+
+271
+00:28:48,550 --> 00:28:54,130
+عامة و مسلمات في الإسلام طيب يعني هل القواعد هنا
+
+272
+00:28:54,130 --> 00:28:59,910
+تتناقض؟ لاهل هذا سيتناقض مع الكتمان؟ لا، يحتاج
+
+273
+00:28:59,910 --> 00:29:05,070
+الأمر إلى توفيق عندما نرى يا أخوة شيء أو شكلا من
+
+274
+00:29:05,070 --> 00:29:10,110
+أشكال التعارض أو التناقض الظاهري لابد من تدخل
+
+275
+00:29:10,110 --> 00:29:18,930
+بعنيق النظر من أجل إيه؟ الجمع بين الأدلة أو الجمع
+
+276
+00:29:18,930 --> 00:29:24,530
+.. الحقيقة الشريعة لا تناقض فيها، لا تناقض فإذا
+
+277
+00:29:25,560 --> 00:29:32,960
+يحمل في هذه الحالة تحمل عملية الكتمان هنا المنهي
+
+278
+00:29:32,960 --> 00:29:39,200
+عنه على ايه؟ على أشياء بحيث لا تتناقض مع القاعدة
+
+279
+00:29:39,200 --> 00:29:45,080
+العامة مثلا، النهي عن الكتمان المحرم إذا كان
+
+280
+00:29:45,080 --> 00:29:52,160
+مقصودا منه الكتمان يعني اللي بيكتم العلم قاصدا،
+
+281
+00:29:52,160 --> 00:30:00,330
+قاصداعدم ايصاله و بدون مسوق و بدون اي وجه حق من
+
+282
+00:30:00,330 --> 00:30:08,050
+وجهه الحق هو يعني ليس له اي مسوق ولا اي مبرر فو
+
+283
+00:30:08,050 --> 00:30:12,290
+كتم العلم واحد لايله مؤلفات ولا حاجة راح حرج ايه
+
+284
+00:30:12,290 --> 00:30:16,790
+المكتبة مثلا منعها عن الناس واحد اخذ البدل و مع
+
+285
+00:30:16,790 --> 00:30:25,320
+ذلك بعد هيك منع و كتم فهو ايه منعكتم العلم قصدا ان
+
+286
+00:30:25,320 --> 00:30:32,320
+الذين يكتمون ما أنزلنا من البيانات والهدى لكن
+
+287
+00:30:32,320 --> 00:30:39,240
+عندما يكونوا يعني عدم وصول العلم بغير قصد او لأنني
+
+288
+00:30:39,240 --> 00:30:45,720
+امتلك انا هذا الحق و اريد فقط انا اطالب بحق يا
+
+289
+00:30:45,720 --> 00:30:51,210
+جماعةانتوا اعطونى حقى و بعدين اذا انا بعد ما
+
+290
+00:30:51,210 --> 00:30:57,650
+اعطتونى حقى ما نشرت و ما بعت بعد هي كاتبرونى كاتم
+
+291
+00:30:57,650 --> 00:31:05,110
+اذا انا لست بكاتم عندما اطالب بحقى بل انت الذي
+
+292
+00:31:05,110 --> 00:31:10,510
+تجبرني على ذلك انت الكاتم لان انت تريد ان تجبرني
+
+293
+00:31:10,510 --> 00:31:17,750
+على ان تضيع على ان تاخد جهدي بدون وجه حقبدون وجه
+
+294
+00:31:17,750 --> 00:31:25,270
+حق انا يمكن في الحالة هذه امزا الكتاب فانت المتسبب
+
+295
+00:31:25,270 --> 00:31:30,350
+اذا المسألة كيف اجمع بين الأمور اجمع بين الأمور
+
+296
+00:31:30,350 --> 00:31:36,970
+بان ايه اعطي كل ذي حق حقه بان اعطي كل ذي حق حقه
+
+297
+00:31:36,970 --> 00:31:43,630
+وبالتالي لا ينطبق على اللي عاوز يسأله لا ينطبق على
+
+298
+00:31:43,630 --> 00:31:50,260
+من طالب بحقهأو من يأخذ بدلا ماليا عن جهده الفكري
+
+299
+00:31:50,260 --> 00:31:58,880
+لا ينطبق عليه أنه كاتم للعلم لأنه في الحقيقة انطلق
+
+300
+00:31:58,880 --> 00:32:06,000
+في مطالبته هذه من منطق شرعي و من قاعدة شرعية تضمن
+
+301
+00:32:06,000 --> 00:32:12,680
+لكل إنسان أن يأخذ حقه في جهده الجسدي أو الفكري أو
+
+302
+00:32:12,680 --> 00:32:25,340
+غير ذلكيعني دعني أقول هنا في هذه النقطة يعني
+
+303
+00:32:25,340 --> 00:32:30,500
+يشبهون مسألة كتمان العلم بمسألة الاحتكار الاحتكار
+
+304
+00:32:30,500 --> 00:32:36,000
+حرام الاحتكار يشبه ايه؟ يشبه الكتمان الكتمان
+
+305
+00:32:36,000 --> 00:32:43,420
+احتكار للعلم وعدم نشره والاحتكار كتمان للسلعمش
+
+306
+00:32:43,420 --> 00:32:49,020
+هيك؟ بيخبيها لما تغلى الأسعار طيب
+
+307
+00:32:49,020 --> 00:32:53,760
+عندما .. و هذا حراب الاحتكار حراب بالفعل لكن عندما
+
+308
+00:32:53,760 --> 00:33:00,300
+تتدخل الدولة لمنع الاحتكار بتصادر
+
+309
+00:33:00,300 --> 00:33:06,080
+السلع ولا بتعطيها حجها بتعطيها حجها او بتجبره ان
+
+310
+00:33:06,080 --> 00:33:12,100
+يبيعها بالسعر المناسب مش بالسعر الغاليو كذلك مسألة
+
+311
+00:33:12,100 --> 00:33:16,060
+الكتمان، الكتمان أنت مابتدخش يعني أكتم العلم؟ طب
+
+312
+00:33:16,060 --> 00:33:22,250
+حطيني حقي يا جماعةو عندها يعني لا تناقض لا يكون ثم
+
+313
+00:33:22,250 --> 00:33:28,830
+تتناقض بين هذه القواعد ولا يعتبر في هذه الحالة من
+
+314
+00:33:28,830 --> 00:33:33,510
+يطالب أو يأخذ حقه المالي مقابل حقه التاليف لا
+
+315
+00:33:33,510 --> 00:33:40,070
+يعتبر كاتبا للعلم لأنه في الحقيقة أخد حقه الذي
+
+316
+00:33:40,070 --> 00:33:46,450
+قررته له الشريعة طيب هذا لعله واضح الدليل الثاني
+
+317
+00:33:47,700 --> 00:33:55,060
+الدليل الثاني ايش؟ نعم فضل انه يجوز اخذ البدل
+
+318
+00:33:55,060 --> 00:33:59,060
+المالي مقابل نشرة مؤلفة علمية لانهم يعتبر المؤلفة
+
+319
+00:33:59,060 --> 00:34:00,160
+علمية مبطوعات
+
+320
+00:34:13,800 --> 00:34:17,660
+مثل الإمامة و تعليم القرآن و الأذان في المسجد فمن
+
+321
+00:34:17,660 --> 00:34:22,180
+باب أولى أن يكون للمؤلف حق في أخذ البدل المالي عن
+
+322
+00:34:22,180 --> 00:34:26,960
+مؤلفه ويقولون أن سبب في إجازة أخذ البدل المالي عن
+
+323
+00:34:26,960 --> 00:34:30,600
+هذه القاعات هو انحتاطه همم المسلمين في القصور
+
+324
+00:34:30,600 --> 00:34:35,270
+المتأخرةو هذا يدى لضيع القرآن و تعطيل الدين و في
+
+325
+00:34:35,270 --> 00:34:39,550
+المقابل يعنى عدم جواز أخذ الحلم المالى يدى لك
+
+326
+00:34:39,550 --> 00:34:41,730
+إتمان العلم و تعطيل العلم على المسكينة
+
+327
+00:35:02,010 --> 00:35:07,430
+سبحانه وتعالى وشبهوها أو قاسوها واعتبروها كسائر
+
+328
+00:35:07,430 --> 00:35:11,130
+العبادات والطعاد من صلاة وصيام ولا أحد بالطبع
+
+329
+00:35:11,130 --> 00:35:16,210
+يقولوا باخذ بدأ مالي عنها دين لكن حقيقة لو نظرنا
+
+330
+00:35:16,210 --> 00:35:26,950
+نظرة أكثر عمقا و أكثر سعة و أكثر مراعاة للواقعوهذا
+
+331
+00:35:26,950 --> 00:35:32,710
+ما فعله الفقهاء المتأخرين حقيقة وغير المتأخرين حتى
+
+332
+00:35:32,710 --> 00:35:38,330
+فإنهم أجازوا في بعض الأحيان يعني صحيح القاعدة
+
+333
+00:35:38,330 --> 00:35:43,210
+العامة لا بدأ المالي عن القرابات لكن في بعض
+
+334
+00:35:43,210 --> 00:35:49,610
+الحالات فإن الشريعة من باب السياسة الشرعيةمن باب
+
+335
+00:35:49,610 --> 00:35:57,810
+المصلحة الدينية فإن الشريعة إيه تجيزه أخذ بدل مالي
+
+336
+00:35:57,810 --> 00:36:05,710
+عن القربة تؤدي القربة لله وتؤجر عندها وتؤجر عليها
+
+337
+00:36:05,710 --> 00:36:14,170
+عند الله وتأخذ يا سيد بدلا ماليا عنها أو عن أدائك
+
+338
+00:36:14,170 --> 00:36:18,750
+إياها في الدنياأجازة تلك اللي .. من ذلك .. انا ..
+
+339
+00:36:18,750 --> 00:36:22,770
+اللتي ذكرها .. ذكرها الأخ .. الآن الإمامة في
+
+340
+00:36:22,770 --> 00:36:28,090
+الصلاة .. صلاة من لب الإبادات .. من لب الإبادات أن
+
+341
+00:36:28,090 --> 00:36:34,430
+يصلي إماما وحقيقة أنه على مر الأسور السابقة قديما
+
+342
+00:36:34,430 --> 00:36:39,830
+لم يكن أحد يأخذ مقابل الإمامة في الصلاة بدلا لأنه
+
+343
+00:36:39,830 --> 00:36:43,370
+كيف بدي يصلي إمام و لا فارقة .. مش فارقة ويأخذ بدل
+
+344
+00:36:43,370 --> 00:36:51,420
+.. لكن اليومانظروا لو لم يكن او لم لو لم تضع
+
+345
+00:36:51,420 --> 00:36:57,180
+وزارات الاوقاف او حكومات اليوم اماما وتعطيه راتبا
+
+346
+00:36:57,180 --> 00:37:01,800
+هل يستقيموا تستقيموا امور الصلوات في المسجد
+
+347
+00:37:01,800 --> 00:37:05,960
+والجامعات ولا هتلاقي كل يوم اختلافات وفتن ومشاكل
+
+348
+00:37:05,960 --> 00:37:13,300
+او إلى غير ذلك فاليوم صار في امام وخاطيب بياخد زي
+
+349
+00:37:13,300 --> 00:37:21,570
+وزي المدرسأه مع أنه الإمامي ربنا سبحانه وتعالى
+
+350
+00:37:21,570 --> 00:37:26,950
+يعتبرها بالفعل في من أجل الطاقات واجعلنا للمتقين
+
+351
+00:37:26,950 --> 00:37:30,790
+إمامة أمل
+
+352
+00:37:30,790 --> 00:37:38,430
+الأنبياء والصالحين رجاءهم يعني مسألة دينية بحتة
+
+353
+00:37:39,660 --> 00:37:49,150
+الرسول صلى الله عليه وسلم مدح، مدح ثلاثة أشخاصمنهم
+
+354
+00:37:49,150 --> 00:37:56,010
+الإمام، الإمام الذي واضبوا على الصلاوات في اليوم
+
+355
+00:37:56,010 --> 00:38:01,390
+والليلة، مدحاهم في إشارة إلى يعني أن الطاعة التي
+
+356
+00:38:01,390 --> 00:38:06,670
+يقوموا بها والقربة يعني هي من أرقى يعني الطاعات
+
+357
+00:38:06,670 --> 00:38:12,110
+ومن أعظم المستويات، الرسول صلى الله عليه وسلم قال
+
+358
+00:38:12,110 --> 00:38:19,600
+في الثلاثة رجل أما قوماوهم عنه راضون هدول من الناس
+
+359
+00:38:19,600 --> 00:38:27,400
+التلاتة الذين يتمتعون برض الله ويتمتعون بأجر عظيم
+
+360
+00:38:27,400 --> 00:38:32,500
+عند الله سبحانهم وتعالى الرسول صلى الله عليه وسلم
+
+361
+00:38:32,500 --> 00:38:40,360
+يا إخوة دعا للأئمة برضه إشارة إلى قيمة الإمامة
+
+362
+00:38:40,360 --> 00:38:47,910
+وقيمة قربة الإمامةالله أرشد الأئمة واغفر للمؤذنين
+
+363
+00:38:47,910 --> 00:38:51,690
+رسول الله يقول صلى الله عليه وسلم في إشارة يعني كل
+
+364
+00:38:51,690 --> 00:38:56,710
+هذا الذي يؤكد على أن الإمامة من الطاعات والقربات
+
+365
+00:38:56,710 --> 00:39:04,930
+لم يمنع الفقهاء من أن يجيزوا أخذ بدل مالي عنها لأن
+
+366
+00:39:04,930 --> 00:39:09,910
+هناك مصلحة لو لم يفعلوا ذلك لتهدم الدين كله أو
+
+367
+00:39:09,910 --> 00:39:16,180
+لتهدد الدينالمتمثل لأن الصلاة عمود الدين الأذان ..
+
+368
+00:39:16,180 --> 00:39:20,640
+الأذان شائرة من شعائر الإسلام ولا لا؟ من أعظم
+
+369
+00:39:20,640 --> 00:39:24,780
+الشعائر واحنا كلنا بنعرف حديث أطول المؤذني .. أطول
+
+370
+00:39:24,780 --> 00:39:32,200
+الناس أعناقا يوم القيامة المؤذنون والأذان
+
+371
+00:39:32,200 --> 00:39:39,640
+يعني الرسول في بعض الحديث لو علم .. لو علم الناس
+
+372
+00:39:39,640 --> 00:39:48,900
+ما في الأذانوالصف الأول فلم يجدوا إلا أن يستهموا
+
+373
+00:39:48,900 --> 00:39:57,700
+عليه لاستهموا يستهموا مش يقعدوا يقترعوا يعني يعني
+
+374
+00:39:57,700 --> 00:40:05,400
+من شدة التأكيد على مستوى ومكانة هذه القربة ومع ذلك
+
+375
+00:40:05,400 --> 00:40:12,720
+المؤذن بياخد أجار ولا لأ؟بياخد، لأننا لو لم نضع
+
+376
+00:40:12,720 --> 00:40:18,340
+نعطيه أجراً، سوف لا نجد من يرفع هذه الشعيرة، الناس
+
+377
+00:40:18,340 --> 00:40:23,780
+في ظل عالم سيطرت عليه المادة، بدي واحد يواضب أربع
+
+378
+00:40:23,780 --> 00:40:30,300
+خمس صلوات أو خمس أوقات في اليوم عشان يرفع الأذان،
+
+379
+00:40:30,300 --> 00:40:33,900
+يا عم قربه وخد أجر ما .. يا عم طيب أنا برضه بدي
+
+380
+00:40:33,900 --> 00:40:41,690
+أعيشفأجازة العلماء، العلماء كما قلت دائما فقهاؤنا
+
+381
+00:40:41,690 --> 00:40:48,170
+ليست قوالب جامدة، فقهاؤنا ينظرون إلى الواقع، صحيح
+
+382
+00:40:48,170 --> 00:40:51,890
+زمان لأنه كانوا الناس إيمانيتهم جوية، مابياخدوش
+
+383
+00:40:51,890 --> 00:40:55,190
+بدلات، لكن اليوم ضعف الدين وضعف الإيمان وكذا، لابد
+
+384
+00:40:55,190 --> 00:41:01,270
+من محفزات، لبأسة إذا في ذلك
+
+385
+00:41:03,200 --> 00:41:07,880
+يعني أختم هنا فقط بقول الله يعني لما ربنا بيقول
+
+386
+00:41:07,880 --> 00:41:14,220
+ومن أحسن قولامن مين؟ من من دعا إلى الله المؤذنين
+
+387
+00:41:14,220 --> 00:41:19,260
+على رأسهم دعا إلى الله فأعمل صالحا وقال إنني من
+
+388
+00:41:19,260 --> 00:41:24,920
+المسلمين الدليل الثالث إذا .. إذا أجاز الفقهاء
+
+389
+00:41:24,920 --> 00:41:30,180
+أجاز الفقهاء أخذ بدل مالي عن بعض القربات وهذا إذا
+
+390
+00:41:30,180 --> 00:41:39,330
+اعتبرناه قربة فإنه من أولىأبطعات أن يستحق أصحابها
+
+391
+00:41:39,330 --> 00:41:44,490
+بدلا ماليا من باب مراعاة المصلحة العامة حفاظا على
+
+392
+00:41:44,490 --> 00:41:54,110
+تشجيع الناس واصحاب الأقول على الإبداع وعلى الإنتاج
+
+393
+00:41:54,110 --> 00:42:01,500
+الفكري الدليل الثالث اللي استدلوا فيهإنه يعني
+
+394
+00:42:01,500 --> 00:42:05,340
+مقتصره قالوا الواحد اللي هو مرحلة سمناها مرحلة هذه
+
+395
+00:42:05,340 --> 00:42:09,060
+مرحلة أولى ومرحلة ثانية كأنهم بيقولوا سلمنا بجواز
+
+396
+00:42:09,060 --> 00:42:18,480
+البيأ لكن البيأ بيقتضي التملك مصبوط؟ والتملك يقتضي
+
+397
+00:42:19,670 --> 00:42:23,730
+التصرف الوطنق انا اشتريت الكمبيوتر هذا صح اللي
+
+398
+00:42:23,730 --> 00:42:29,190
+بيعني ياه بيقدر يقول لي بعد هيك يعني ماتعملش ولا
+
+399
+00:42:29,190 --> 00:42:33,650
+يعمل فيه زي ما بدي انا بشتغل فيه انا الان في
+
+400
+00:42:33,650 --> 00:42:37,990
+التأليف ماشي يا سيدي بدكوا تبيعوه بيعوه الان
+
+401
+00:42:37,990 --> 00:42:43,250
+بيانعش انا اشتريت كتاب حصلت على نسخةهذا دلة
+
+402
+00:42:43,250 --> 00:42:46,610
+المانعين، إيش قالوا؟ ده اللي حصل على نسخة بعد ما
+
+403
+00:42:46,610 --> 00:42:51,110
+شارها، ألا يصبح له حق التملك؟ نعم، بيبيعها،
+
+404
+00:42:51,110 --> 00:42:54,350
+بيشتريها، بيعطيها لصاحبه السن الجاي أو لأخوه أو
+
+405
+00:42:54,350 --> 00:42:58,130
+لأخته، مشاكل اللي بتصير، بتتصرف فيها، كيف يا شاق؟
+
+406
+00:42:58,130 --> 00:43:04,770
+وقالوا هدولة جالوا ويكونوا من حقه أن يطبعوا، هدولة
+
+407
+00:43:04,770 --> 00:43:10,770
+المعارضينيعني بناء عليه و لا يكون من حقه الأول أن
+
+408
+00:43:10,770 --> 00:43:15,950
+يمنعه من .. من ذلك بعد ما باعه بعد ما باعه لأن
+
+409
+00:43:15,950 --> 00:43:20,550
+البيع يعني حق التملك و الانتفاع في كل جانب و إلا
+
+410
+00:43:20,550 --> 00:43:26,150
+لو لم يكن بيعا ماذا .. و هذا كلام منطقي لحد ما
+
+411
+00:43:26,150 --> 00:43:33,270
+ماذا يمكن أن يرد عليه يرد عليه يا أخوة بأن هناك
+
+412
+00:43:33,270 --> 00:43:40,640
+فرقبين تملك الشيء وإنتاج
+
+413
+00:43:40,640 --> 00:43:47,060
+الشيء بين تملك الشيء في فرق بين تملك الشيء وبين أو
+
+414
+00:43:47,060 --> 00:43:52,720
+حق التملك والتصرف وحق الإنتاج ابتداء يعني أنا بس
+
+415
+00:43:52,720 --> 00:43:59,060
+عشان أجربها لأن الوقت أدركنا الآن هدولة هذه
+
+416
+00:43:59,060 --> 00:44:04,250
+المصاري هاه ايه فيه جيبت مصاريهذه الـ 20 شيكل أو
+
+417
+00:44:04,250 --> 00:44:11,310
+ال 100 شيكل هدول مملوكات إلي، تمام؟ و من حقي أتصرف
+
+418
+00:44:11,310 --> 00:44:16,590
+فيه، أنا أشتري، لكن هل من حقي أطبع اللي ماطبعاش
+
+419
+00:44:16,590 --> 00:44:24,580
+مكون اسمه؟ مزيففي فرق بين تملك تملك وفي فرق بين
+
+420
+00:44:24,580 --> 00:44:29,060
+الإنتاج كمان الكتاب هذا من حقي اتصرف فيه بعد
+
+421
+00:44:29,060 --> 00:44:33,040
+مشاريته لكن ليس من حقي ان اطبعه شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ZRDMLdxt770.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ZRDMLdxt770.srt
new file mode 100644
index 0000000000000000000000000000000000000000..375e87f44194f830741f47c712654147833b5785
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ZRDMLdxt770.srt
@@ -0,0 +1,1333 @@
+1
+00:00:20,990 --> 00:00:23,530
+بسم الله الرحمن الرحيم، الحمد لله والصلاة والسلام
+
+2
+00:00:23,530 --> 00:00:28,370
+على رسول الله، على آله وصحبه ومن اهتدى بهديه
+
+3
+00:00:28,370 --> 00:00:34,870
+واستمر بسنته إلى يوم الدين. إذا تحدثنا في المرة
+
+4
+00:00:34,870 --> 00:00:38,510
+الماضية، كما قلت، عن المضاربة المشتركة من حيث
+
+5
+00:00:38,510 --> 00:00:42,590
+التعريف ومن حيث الخطوات ومن حيث أوجه المقارنة
+
+6
+00:00:42,590 --> 00:00:46,650
+بينها وبين المضاربة
+
+7
+00:00:46,650 --> 00:00:50,770
+العادية. ثم انتقلنا للحديث عن التكييف الفقهي و
+
+8
+00:00:50,770 --> 00:00:58,390
+الحكم الشرعي. قلنا أو عندما نظر العلماء إلى طبيعة
+
+9
+00:00:58,390 --> 00:01:03,250
+هذه المعاملة أو هذا العقد، المضاربة المشتركة، يعني
+
+10
+00:01:03,250 --> 00:01:10,670
+وجدوا، قبل أن يصدروا الحكم، وجدوا أن هذه
+
+11
+00:01:10,670 --> 00:01:16,540
+المضاربة تعتمد على خلط الأموال. وجدوا أن هذه
+
+12
+00:01:16,540 --> 00:01:23,980
+المضاربة فيها عنصر جديد، هو العنصر الثالث، هو الوسيط
+
+13
+00:01:23,980 --> 00:01:30,920
+هو البنك أو المصرف، وله مال، وفق الـ… أو وهو شريك
+
+14
+00:01:30,920 --> 00:01:37,630
+في الربح وفق مقادير الشروط. وجدوا أن عملية احتساب
+
+15
+00:01:37,630 --> 00:01:44,130
+الأرباح تنبني على التنظيف التقديري. وجدوا أن هناك
+
+16
+00:01:44,130 --> 00:01:51,810
+إمكانية لانْسحاب أحد الشركاء دون أن تتوقف المعاملة
+
+17
+00:01:51,810 --> 00:01:58,750
+أو الشركة أو دون أن تنتهي. وجدوا أن المضاربة
+
+18
+00:01:58,750 --> 00:02:05,420
+المشتركة يكون رأس المال فيها مضمونًا. وكل هذه النقاط
+
+19
+00:02:05,420 --> 00:02:15,060
+أو هذه العناصر، إن لم نجد لها تخريجًا، فإن كل واحدة منها
+
+20
+00:02:15,060 --> 00:02:20,700
+تكفي لإصدار حكم البطلان على هذه المعاملة.
+
+21
+00:02:20,700 --> 00:02:31,230
+ولذلك، كان لزامًا على العلماء المعاصرين أن يبينوا وجهة
+
+22
+00:02:31,230 --> 00:02:37,050
+تخريج هذه المعاملة وتجويزها مع وجود كل هذه
+
+23
+00:02:37,050 --> 00:02:43,050
+الإشكالات. تحدثنا في هذه النقاط أيضًا. قلنا تحدثنا عن
+
+24
+00:02:43,050 --> 00:02:48,630
+وجه الإشكال في مسألة احتساب الربح بناءً على، أو في
+
+25
+00:02:48,630 --> 00:02:55,190
+مسألة خلط الأموال المشتركة، وكيف أنها تكون مشكلة.
+
+26
+00:02:55,190 --> 00:02:59,990
+عملية الخلط، لأنها لا تؤدي إلى إعطاء الربح لصاحبه
+
+27
+00:02:59,990 --> 00:03:04,230
+حقيقة. ووجدنا
+
+28
+00:03:04,230 --> 00:03:11,130
+أو تعرّفنا على الحل الذي قاله العلماء، والمبني على
+
+29
+00:03:11,130 --> 00:03:17,570
+أنه يمكن أن تتجاوز عملية الإشكال فيما يتعلق بخلط
+
+30
+00:03:17,570 --> 00:03:30,930
+الأموال، من خلال إعلام واستئذان أصحاب المداخلات بهذه
+
+31
+00:03:30,930 --> 00:03:36,510
+العملية، عملية خلط الأموال التي قد يترتب عليها
+
+32
+00:03:36,510 --> 00:03:39,930
+مساهمة
+
+33
+00:03:41,450 --> 00:03:47,610
+بعض المشاركين بأجزاء من أرباحهم لمشاركين آخرين
+
+34
+00:03:47,610 --> 00:03:55,150
+ربما لم تثبت في حق أموالهم المدخلة أرباحًا، أو
+
+35
+00:03:55,150 --> 00:04:00,850
+بالعكس، حتى ربما ثبتت في مدخراتهم أو في مساهماتهم
+
+36
+00:04:00,850 --> 00:04:07,510
+الخسائر. فلذلك يكون الأمر مبنيًا على التبرع. ومن هنا
+
+37
+00:04:07,510 --> 00:04:13,530
+قالوا بتجاوز هذه الإشكالية بالنسبة لعملية احتساب
+
+38
+00:04:13,530 --> 00:04:16,610
+الربح بناءً على التنظيم التقديري.
+
+39
+00:04:18,880 --> 00:04:27,040
+أيضًا، كل هذا يسبب إشكالية من حيث إنه
+
+40
+00:04:27,040 --> 00:04:33,320
+بعد التنظيف، يمكن أن تحصل بعد التنظيف التقديري بمدة
+
+41
+00:04:33,320 --> 00:04:40,170
+معينة، قد يتم التنظيف الحقيقي، بمعنى أنه قد يتم بيع
+
+42
+00:04:40,170 --> 00:04:47,090
+السلع بيعًا حقيقيًا، تتحول معه السلع إلى مال حقيقي.
+
+43
+00:04:47,090 --> 00:04:53,550
+وقد يكون الثمن في هذه الحالة الذي تم تحويله تحويلًا
+
+44
+00:04:53,550 --> 00:05:02,790
+حقيقيًا، أكثر من مبلغ المال الذي تم تنظيفه تنظيفًا
+
+45
+00:05:02,790 --> 00:05:08,190
+تقديريًا. وبالتالي، تبقى هذه الفروق محل إشكال، لمن
+
+46
+00:05:08,190 --> 00:05:13,710
+تذهب هذه الفروق؟ من حق من؟ أو بالأحرى، طبعًا إذا كان
+
+47
+00:05:13,710 --> 00:05:19,610
+الشخص ما زال مساهمًا للسنوات المقبلة، يعني ربما لا
+
+48
+00:05:19,610 --> 00:05:24,950
+إشكال، لأنه يصبح له حق فيها. لكن ماذا بخصوص من سحب
+
+49
+00:05:24,950 --> 00:05:31,090
+أو من توقف عن الاستمرار في عملية المشاركة في نهاية
+
+50
+00:05:31,090 --> 00:05:40,820
+العام، وهو له حق فعلي في هذه الفروق؟ أيضًا قلنا بأن
+
+51
+00:05:40,820 --> 00:05:48,360
+هذه الإشكالية حلّها من جانبين: أولًا، مبدأ التنظيف لا
+
+52
+00:05:48,360 --> 00:05:52,620
+إشكال فيه، وقد وضحنا ذلك. مبدأ التنظيف التقديري لا
+
+53
+00:05:52,620 --> 00:05:56,640
+إشكال فيه في كل المعاملات، في كل المعاملات، لكن
+
+54
+00:05:56,640 --> 00:06:01,520
+الإشكالية، كما قلت، في مسألة بقاء فروق يستحقها بعض
+
+55
+00:06:01,520 --> 00:06:07,660
+الأشخاص الذين ينسحبون، الذين ينسحبون. وهذا حله من
+
+56
+00:06:07,660 --> 00:06:16,900
+خلال أيضًا إعلام من يريدون الدخول في هذه المشاركة
+
+57
+00:06:16,900 --> 00:06:23,200
+بأن عملية اقتسام وتوزيع الأرباح ستتم على هذا النحو.
+
+58
+00:06:24,020 --> 00:06:30,500
+فيكون هذا أيضًا… هذه الفروق عبارة عن فروق يتنازلون
+
+59
+00:06:30,500 --> 00:06:36,200
+عنها بمحض إرادتهم، ابتداءً، فيما لو حدثت. لأنه وكذلك
+
+60
+00:06:36,200 --> 00:06:44,140
+يكون البنك فيما لو… لأنه ممكن يتم تحويل البضاعة
+
+61
+00:06:44,140 --> 00:06:50,760
+إلى مال، تحويلًا حقيقيًا، بأقل مما تم تنظيفه
+
+62
+00:06:50,760 --> 00:06:56,600
+تنظيفًا تقديريًا. وبالتالي، تقع الخسارة على البنك. وكذلك
+
+63
+00:06:56,600 --> 00:07:01,320
+يكون البنك قد وافق ابتداءً عند توقيع العقد على أنه
+
+64
+00:07:01,320 --> 00:07:06,780
+إذا وقعت خسارة بعض… التنظيف هو… يعني لا يتابع ولا
+
+65
+00:07:06,780 --> 00:07:11,880
+يلاحق هذا المشارك الذي انسحب بعد نهاية العام، كما
+
+66
+00:07:11,880 --> 00:07:18,120
+لا يطالب الشخص الذي ساهم بالمشاركة أو بالمضاربة
+
+67
+00:07:18,120 --> 00:07:22,800
+المشتركة بالفروق بعد انسحابه. ويكون هذا مبنيًا على
+
+68
+00:07:22,800 --> 00:07:29,760
+المسامحة والتبرّع. وبذلك، تجاوزوا هذه النقطة. نقطة
+
+69
+00:07:29,760 --> 00:07:39,240
+جواز أو دخول المصرف الإسلامي كعنصر جديد. يعني أيضًا
+
+70
+00:07:39,240 --> 00:07:43,480
+توقفنا عندها وقلنا: من حيث المبدأ، لا إشكال من حيث
+
+71
+00:07:43,480 --> 00:07:48,880
+المبدأ، يا إخوان، هذه لا تسبب مشكلة. دخول واحد ثالث
+
+72
+00:07:48,880 --> 00:07:51,780
+يعني الشركاء قد يكونوا ثلاثة أو أربعة أو خمسة، لا
+
+73
+00:07:51,780 --> 00:07:52,220
+إشكال.
+
+74
+00:07:55,700 --> 00:08:02,260
+الإشكال في تكييف المال
+
+75
+00:08:02,260 --> 00:08:06,000
+الذي يأخذه، يعني بأي حق يأخذه، هو في اتفاق يا
+
+76
+00:08:06,000 --> 00:08:11,260
+إخوان، على أنه هذا مشارك وله الحق في المال، لكن بأي
+
+77
+00:08:11,260 --> 00:08:17,990
+أساس؟ بأي أساس يأخذه؟ هل يأخذه بوصفه شريكًا؟ أم
+
+78
+00:08:17,990 --> 00:08:22,610
+وكيلًا؟ أم أجيرًا؟ هذه الإشكالية… هذه يا إخوان
+
+79
+00:08:22,610 --> 00:08:26,750
+حقيقة، دخول عنصر جديد، لا إشكال. وهي أسهل النقاط، ولكن
+
+80
+00:08:26,750 --> 00:08:33,730
+أُفصِّلُها هنا من باب بيان لماذا، أو ما هو الاعتبار
+
+81
+00:08:33,730 --> 00:08:43,870
+الذي بسببه حق للبنك لهذا العنصر الجديد، أخذ المصرف
+
+82
+00:08:43,870 --> 00:08:51,700
+في الـ… الـ… الربح. طبعًا، يمكن أن يقال أحد أمرين أو
+
+83
+00:08:51,700 --> 00:08:57,920
+أكثر. ممكن أن يقال أن ربحه أخذه مقابل اجتهاده وجهده
+
+84
+00:08:57,920 --> 00:09:03,120
+كما السمسار والسمسارة، جائزة يا إخوان، السمسارة جائزة
+
+85
+00:09:03,120 --> 00:09:11,160
+ما دامت يعني في حدود ما شرّع ربنا. صحيح، أهمها… أهمها أن
+
+86
+00:09:11,160 --> 00:09:17,000
+لا يقع هناك غشّ، ولا يقع هناك إخفاء عن كلا الأمرين.
+
+87
+00:09:17,000 --> 00:09:18,100
+بمعنى يا إخوان،
+
+88
+00:09:21,410 --> 00:09:25,290
+ألا يجوز طبعًا، لا يجوز، فهذه من باب، يعني
+
+89
+00:09:25,290 --> 00:09:30,410
+الغش، حقيقة. يعني ما يقع فيه سماسرة اليوم من
+
+90
+00:09:30,410 --> 00:09:36,730
+إشكاليات، إنهم لا يعملوا كسماسرة حقيقيين، بل يعملون
+
+91
+00:09:36,730 --> 00:09:42,270
+ماذا؟ يعني كتجار يملكون السلع وهم لا يملكونها، حقيقة.
+
+92
+00:09:42,270 --> 00:09:47,190
+كأنه هو المالك وهو الذي يتصرف. الأصل أن السمسار
+
+93
+00:09:47,190 --> 00:09:54,140
+هو مجرد وسيط، يأخذ أجرًا من كلا الطرفين، أو ممَّن يشترط
+
+94
+00:09:54,140 --> 00:10:01,280
+عليه، مقابل جهده، ليس إلا. أما أن يتبنى عملية البيع
+
+95
+00:10:01,280 --> 00:10:07,540
+باعتباره مالكًا، دون أن يأخذ توكيلًا من المالك، لا هو
+
+96
+00:10:07,540 --> 00:10:12,260
+موكل ولا هو شاري،
+
+97
+00:10:12,260 --> 00:10:18,170
+حقيقة. يعني هو واحد يقول: شوف لي تاجرًا، شوف لي مشتريًا، شوف
+
+98
+00:10:18,170 --> 00:10:21,190
+الزبون. بأوكله وأقول له: يعني شوف الزبون أساسًا، و
+
+99
+00:10:21,190 --> 00:10:26,390
+اقعد معه. فأروح أمام الزبون وأقول له: عندي ماذا؟
+
+100
+00:10:26,390 --> 00:10:30,210
+عندي شقة، عندي فيلا، عندي أرض، عندي
+
+101
+00:10:30,210 --> 00:10:34,550
+كذا، وأبيعه وأشتري فيه. طبعًا هو يكون just  نُبْذَة إن
+
+102
+00:10:34,550 --> 00:10:38,810
+أنت تريد صاحب الشقة أو صاحب العقار، أنت تريد
+
+103
+00:10:38,810 --> 00:10:43,540
+إياه في حدود ماذا؟ وأخذ كل التفاصيل. وبعدين
+
+104
+00:10:43,540 --> 00:10:47,620
+يُقال: أنا طب لو جئت لك… يعني هنا في إشكالات.
+
+105
+00:10:47,620 --> 00:10:54,420
+الأصل أن يكون في وضوح، يا إخوان. هو مجرد يعني أجير، إن
+
+106
+00:10:54,420 --> 00:10:59,320
+صح التعبير، أو وسيط، يعني يأخذ مقابل جهده، لا بأس في
+
+107
+00:10:59,320 --> 00:11:03,620
+ذلك. وجهد، ولابد أن يكون واضحًا، يعني: ألف دينار، خمسمائة دينار، لا بأس في ذلك. أما يحب خمس
+
+108
+00:11:03,620 --> 00:11:08,360
+وخمسين لزبون، ولأنه يعرف أن التاجر أن صاحبه أساسًا
+
+109
+00:11:08,360 --> 00:11:15,410
+كان يكتفي بخمسين، جاله خمسين، باقيها بخمس
+
+110
+00:11:15,410 --> 00:11:19,430
+وخمسين. وبعدين راح اشترىها منه بخمسين، فصار باقيها باقيها
+
+111
+00:11:19,430 --> 00:11:23,710
+مرتين. هنا يعني تقع إشكالات كثيرة. وبرضه راح يأخذ
+
+112
+00:11:23,710 --> 00:11:28,310
+يعني أجرًا من المشتري.
+
+113
+00:11:28,310 --> 00:11:35,030
+و يعني يقعون في إشكالات كثيرة. لكن السمسرة في حد
+
+114
+00:11:35,030 --> 00:11:38,650
+ذاتها، إذا وقعت… أيوة، الإخوان، بناءً على الأسس الشرعية،
+
+115
+00:11:38,650 --> 00:11:42,790
+لا إشكال في ذلك. لأنه يعمل، ويجتهد، ويتحرك، فيستحق.
+
+116
+00:11:42,790 --> 00:11:51,470
+فيُمكن أن يقال أن استحقاق البنك لجزء من الربح مقابل
+
+117
+00:11:51,470 --> 00:11:58,730
+ما بذله من جهد في ترتيب وتنسيق العلاقة بين أصحاب
+
+118
+00:11:58,730 --> 00:12:06,240
+الأموال وأصحاب المشاريع. هذا لا إشكال فيه. وهناك
+
+119
+00:12:06,240 --> 00:12:21,770
+من اعتبر أن الاستحقاق للبنك باعتباره وكيلًا، وكيلًا عن
+
+120
+00:12:21,770 --> 00:12:26,550
+أرباب الأموال. إحنا قلنا إنه في مرة من المرات
+
+121
+00:12:26,550 --> 00:12:33,650
+عرض نفسه على أرباب الأموال باعتباره مضاربًا، ومرة عرض
+
+122
+00:12:33,650 --> 00:12:39,570
+نفسه على أصحاب العمل باعتباره وكيلًا، باعتباره صاحب
+
+123
+00:12:39,570 --> 00:12:45,040
+مال. فهو عندما يعني تعامل مع أصحاب المشاريع، تعامل
+
+124
+00:12:45,040 --> 00:12:49,420
+باعتباره وكيلًا عن أصحاب الأموال، أعطوه تفويضًا،
+
+125
+00:12:49,420 --> 00:12:57,250
+أعطوه وكالةً مطلقةً باستثمار أموالهم، باستثمار أموالهم.
+
+126
+00:12:57,250 --> 00:13:01,510
+والحقيقة في الشرع الإسلامي، عند بعض الفقهاء وعند
+
+127
+00:13:01,510 --> 00:13:07,750
+كثير من الفقهاء، لا منع أن يكون للوكيل نصيب أو
+
+128
+00:13:07,750 --> 00:13:15,850
+أجر في الـ… الـ… الربح، أو في الـ… الـ… الأجر.
+
+129
+00:13:15,850 --> 00:13:22,110
+وقد يكون كذلك باعتباره له صفة مزدوجة، بمعنى أنه
+
+130
+00:13:22,110 --> 00:13:29,100
+يعني وكيل عن المضاربين أمام أصحاب الأموال، وكذلك عن
+
+131
+00:13:29,100 --> 00:13:32,980
+أصحاب
+
+132
+00:13:32,980 --> 00:13:39,060
+المدخرات. شكرًا. وكذلك عن أصحاب المدخرات أمام
+
+133
+00:13:39,060 --> 00:13:45,420
+المضاربين. المهم أيها الإخوان، بأي تكييف كان، لا
+
+134
+00:13:45,420 --> 00:13:53,080
+إشكال في أن البنك يستحق إما مقابل جهده وأجرته، أو
+
+135
+00:13:53,080 --> 00:13:58,640
+مقابل وكالته المفردة عن أحد الطرفين، أو المزدوجة
+
+136
+00:13:58,640 --> 00:14:10,140
+عنهما. النقطة الثالثة أو الرابعة التي يتحدث
+
+137
+00:14:10,140 --> 00:14:14,180
+فيها الفقهاء، هي مثلًا انسحاب أحد الشركاء من
+
+138
+00:14:14,180 --> 00:14:17,980
+المضاربة المشتركة. هذه إحنا حكيناها المرة اللي
+
+139
+00:14:17,980 --> 00:14:25,950
+فَاتَت. مسألة الانسحاب أيضًا تحدثنا فيها، وقلنا يعني أنه
+
+140
+00:14:25,950 --> 00:14:29,490
+في حياته… من حيث المبدأ يا إخوان، لا إشكال في الانسحاب، لكن
+
+141
+00:14:29,490 --> 00:14:32,970
+متى يشكل الانسحاب مشكلة في المضاربة المشتركة؟ في
+
+142
+00:14:32,970 --> 00:14:36,370
+المضاربة العادية، لو انسحب أحد الطرفين، انتهت
+
+143
+00:14:36,370 --> 00:14:41,230
+المضاربة، ويتم بعد هيك عملية تقسيم الأرباح، أو تقسيم
+
+144
+00:14:41,230 --> 00:14:49,300
+الخسارة، أو ما لا إشكال. لكن هنا ينسحب أحد الأطراف
+
+145
+00:14:49,300 --> 00:14:55,940
+المشاركة، وبغض النظر… هنا قد يكون المنسحب في الغالب
+
+146
+00:14:55,940 --> 00:15:00,100
+دعوني أقول، ما يكون المنسحب من أصحاب الأموال، من
+
+147
+00:15:00,100 --> 00:15:04,360
+أصحاب الأموال. ومع ذلك، المشاركة أو المضاربة تبقى
+
+148
+00:15:04,360 --> 00:15:10,140
+مستمرة، ولا تتأثر، ولا تتوقف.
+
+149
+00:15:14,290 --> 00:15:20,490
+ولكن تبقى الإشكالية في أن من ينسحب ويأخذ أمواله مع
+
+150
+00:15:20,490 --> 00:15:30,670
+أنها قد حققت ربحًا، أنه لا يأخذ ربحًا، أي مشكلة هنا.
+
+151
+00:15:30,670 --> 00:15:38,430
+قد يُقال إن هذا مخالف للعدل والحق. هذا ماله استثمره
+
+152
+00:15:38,430 --> 00:15:42,410
+على مدار ستة أشهر، سبعة أشهر، أقل أو أكثر، وحقق
+
+153
+00:15:42,410 --> 00:15:48,390
+ربحًا فعليًا، ومع ذلك عندما ينسحب يُقال له: خُذ رأس مالك
+
+154
+00:15:48,390 --> 00:15:54,420
+وليس لك من الربح. هذا قد يبدو أنه نوع من الظلم
+
+155
+00:15:54,420 --> 00:15:59,640
+الذي تأباه الشريعة. لكن من زاوية أخرى، يعني العلماء
+
+156
+00:15:59,640 --> 00:16:05,380
+نظروا بنظرة أخرى، وجوّزوا بناءً عليها الانسحاب دون أن
+
+157
+00:16:05,380 --> 00:16:12,340
+يأخذ ربحًا، وذلك أنه… نِقاط… أن من ينسحب قد يُسبب
+
+158
+00:16:12,340 --> 00:16:18,240
+مضارًا لعملية المشاركة في الجملة. قد يُسبب ضررًا، إن انت
+
+159
+00:16:18,240 --> 00:16:24,760
+لما تأخذ أموالك فجأة، وأنا يمكن أنا كنت ناوي أشارك
+
+160
+00:16:24,760 --> 00:16:32,600
+في مشروع، أو أدعمه، أو أُرقِّيه، أو إلى غير ذلك. قد يُسبب
+
+161
+00:16:32,600 --> 00:16:38,800
+ضررًا، قد يزيد هذا الضرر ربما عن مجموع ما تحقق لك
+
+162
+00:16:38,800 --> 00:16:44,320
+من… من… ربح. فقواعد العدل تقتضي أنه، ما دام أنت سببت
+
+163
+00:16:44,320 --> 00:16:50,570
+إلى ضرر، في المقابل أنت لا… الغرم بالغنم، لا تستحق
+
+164
+00:16:50,570 --> 00:16:56,530
+الربح. ثم من جانب آخر، هذا شرط يتم الاتفاق عليه
+
+165
+00:16:56,530 --> 00:17:02,630
+والمسلمون عند شروطهم. الأصل يعني…  الامتداد بين البنك
+
+166
+00:17:02,630 --> 00:17:06,850
+وأصحاب المداخلات، يتم الاتفاق على أنه في حالة سحب
+
+167
+00:17:06,850 --> 00:17:13,730
+الأموال قبل نهاية العام المالي، لا يستحق يعني الربح.
+
+168
+0
+
+223
+00:21:54,580 --> 00:21:58,500
+بيناقش، بيقول إنه يعني إذا كانت البنوك تشترط كما
+
+224
+00:21:58,500 --> 00:22:04,340
+قلت، لو فرض أن البنوك اشترطت أنه ليس له ربح فهذا
+
+225
+00:22:04,340 --> 00:22:10,040
+مخالف للشريعة، هذا عند البنوك أو عند بعض البنوك،
+
+226
+00:22:10,040 --> 00:22:14,180
+لكن قرن أنزل تحت شوية، بتناقش موقف الشريعة، جالك
+
+227
+00:22:14,180 --> 00:22:19,530
+لأفي الفقرة اللي بعدها في الفقرة اللي بعدها بتكون
+
+228
+00:22:19,530 --> 00:22:25,330
+هذا مخالف وغير مقبول شرعًا لأنه ما فيش .. أنا شوف
+
+229
+00:22:25,330 --> 00:22:30,910
+الشريعة عندما تجد تسويغًا معينًا لمسألة تتقبل ذلك
+
+230
+00:22:30,910 --> 00:22:36,710
+لكن يعني ظلم وضرر واضح وليس له أي تسويغ لا تقبل
+
+231
+00:22:36,710 --> 00:22:44,310
+الشريعة أبدًا لأنها قائمة على أساس الحق والعدل، بقية
+
+232
+00:22:44,310 --> 00:22:48,970
+المسألة الأهم حقيقة وهي مسألة الضمان لرأس المال
+
+233
+00:22:48,970 --> 00:22:54,330
+الذي هو في الأصل يا إخوة ضمان رأس مال المضاربة
+
+234
+00:22:54,330 --> 00:23:01,570
+العادية يفسدها لو أن الرب
+
+235
+00:23:01,570 --> 00:23:09,470
+حمال اشترط على المضارب في المضاربة العادية أن يودّ
+
+236
+00:23:09,470 --> 00:23:14,980
+إليه المال كاملًا، خسارة أو ربح، يعني حتى لو خسر، إن
+
+237
+00:23:14,980 --> 00:23:19,220
+ربح، إذا وصل المال والربح، إن خسر فلـيس له في
+
+238
+00:23:19,220 --> 00:23:24,220
+الخسارة، فالمضاربة من أساسها باطلة وفاسدة وغير
+
+239
+00:23:24,220 --> 00:23:28,900
+صحيحة، حتى وإن قبلها، بيصير المعاملة كلها حرام،
+
+240
+00:23:28,900 --> 00:23:32,920
+بيصير الفلوس اللي اجتمعتْ حرام، يعني كما لو دخل في
+
+241
+00:23:32,920 --> 00:23:39,350
+الربا، لكن اللي بنشوفه إحنا في المضاربة هذه المشتركة
+
+242
+00:23:39,350 --> 00:23:44,010
+أنها قائمة على هذا الأساس وهي أن إحنا قلنا يمكن
+
+243
+00:23:44,010 --> 00:23:52,790
+أنه عندما عرض البنك نفسه على أصحاب الأموال وناداهم
+
+244
+00:23:52,790 --> 00:23:58,370
+للاستثمار عنده بالمضاربة المشتركة
+
+245
+00:24:00,310 --> 00:24:05,830
+من حيث كونها حلالًا ومن حيث كونها محل ثقة وإلى غير
+
+246
+00:24:05,830 --> 00:24:13,130
+ذلك، ضعفا شيئًا آخر، إغراءً وتشجيعًا وأن لكم أموالكم
+
+247
+00:24:13,130 --> 00:24:23,230
+كاملة غير منقوصة في حالة انسحابكم، لا خسارة. ظاهر
+
+248
+00:24:23,230 --> 00:24:33,760
+هذا الشرط مبطل للمضاربة، ويتسبب في عدم مشروعيتها، فكيف
+
+249
+00:24:33,760 --> 00:24:41,640
+وجد له العلماء المعاصرون تخريجًا، بالبداية يا إخوة
+
+250
+00:24:41,640 --> 00:24:46,000
+أريد أن أقول، طبعًا يا إخوة، التخريجات هذه ليست مصطنعة
+
+251
+00:24:46,000 --> 00:24:50,980
+هي من خلال النظر للواقع، نظروا إلى حقيقة الضمان
+
+252
+00:24:50,980 --> 00:24:58,280
+الذي يعرضه البنك، فوجدوه ضمانًا صوريًا
+
+253
+00:24:59,930 --> 00:25:09,330
+وليس ضمانًا حقيقيًا، نظرًا في حقيقة الضمان وهي واضحة
+
+254
+00:25:09,330 --> 00:25:13,630
+يعني لدى .. لدى من؟ لدى أصحاب المداخلات أيضًا، لكن
+
+255
+00:25:13,630 --> 00:25:19,470
+هو في الظاهر هكذا، كيف ضمان صوري وليس ضمان حقيقي؟ ذلك
+
+256
+00:25:19,470 --> 00:25:26,850
+أن البنك يعمل على اقتطاع جزء من الأرباح في كل عام
+
+257
+00:25:29,870 --> 00:25:36,290
+ليكون ذلك احتياطًا في حالة وجود أو وقوع خسارة في
+
+258
+00:25:36,290 --> 00:25:40,450
+عام معين أو في صفقة معينة، أو حتى ليس في حالة خسارة
+
+259
+00:25:40,450 --> 00:25:46,770
+في حالة عدم تحقيق ربح كمان، أنه من هذه الأموال
+
+260
+00:25:46,770 --> 00:25:52,490
+الاحتياطية يدفع للشركاء نسبة من الربح من هذه
+
+261
+00:25:52,490 --> 00:25:58,650
+الأموال، ليحافظ البنك، ويعرف كل التجار وكل المشاركون
+
+262
+00:25:58,650 --> 00:26:03,310
+يعرفون أن التجارة ربح مع خسارة، لكن يا إخوة في
+
+263
+00:26:03,310 --> 00:26:09,430
+الجملة، التجارة في الجملة رابحة، خاصة إذا أقيمت على
+
+264
+00:26:09,430 --> 00:26:13,010
+أسس صحيحة، وإذا وجدت الأمانة ووجدت الثقة ووجدت
+
+265
+00:26:13,010 --> 00:26:20,130
+الخبرة، أو كل عشر صفقات تخسر صفقة، ماشي، هذا حسب
+
+266
+00:26:20,130 --> 00:26:26,250
+الاستقراء، أن تشوف أي تاجر بيبدأ بأسطرة صغيرة بتلاقيه
+
+267
+00:26:26,250 --> 00:26:29,970
+في خلال سنتين صار عنده supermarket، التجارة تسعة
+
+268
+00:26:29,970 --> 00:26:36,350
+عشر رزق، حقيقة، ما دام التاجر يعني عنده خبرة وعنده
+
+269
+00:26:36,350 --> 00:26:39,690
+همة وعنده أمانة وغير ذلك
+
+270
+00:26:42,510 --> 00:26:49,310
+لأ، من باب، يعني كما قلت، التَّحوُّق لمثل هذه الحالات
+
+271
+00:26:49,310 --> 00:26:52,930
+الطارئة التي قد يحدث فيها خسارة لسنة أو لغيرها، يقوم
+
+272
+00:26:52,930 --> 00:26:58,770
+بالاقتطاع، بالاقتطاع، حتى إذا وقعت الخسارة فإنه لا
+
+273
+00:26:58,770 --> 00:27:02,370
+يأتي  هذه السنة المشاركون بالمال، اللي هم اللي
+
+274
+00:27:02,370 --> 00:27:05,510
+بدهم ينسحبوا طبعًا من نقص المال أو حتى اللي ما بدهم
+
+275
+00:27:05,510 --> 00:27:10,810
+مش ينسحبوا، لأنه أنا في كل سنة بعمل حساب بيصير
+
+276
+00:27:10,810 --> 00:27:13,510
+رأسمالك، أن أنا عندي عشر آلاف هذه السنة ما بنقصش
+
+277
+00:27:13,510 --> 00:27:19,070
+بيصيرش تسعة آلاف ونصف لأنه خسرنا، أو تسعة .. لأ لأنه
+
+278
+00:27:19,070 --> 00:27:23,130
+أنا عندي رصيد مُرَحَّل مُقَطَّع من مجموعة الأرباح في
+
+279
+00:27:23,130 --> 00:27:30,750
+حالة وجود خسارة أنا بأُجَبِر هذه الخسارة، وبالتالي في
+
+280
+00:27:30,750 --> 00:27:34,670
+الغالب لا تقع خسارة بالفعل، لكن أنا بدي أقول لكم
+
+281
+00:27:34,670 --> 00:27:42,250
+شغل، لو أن الخسارة التي وقعت كانت خسارة كبيرة
+
+282
+00:27:42,250 --> 00:27:47,590
+بحيث لا يستطيع البنك تغطيتها إلا من الاحتياطي طبعًا
+
+283
+00:27:47,590 --> 00:27:51,550
+أحيانًا ربما يغطي بالاحتياطي ويضطر يأخذ من غير
+
+284
+00:27:51,550 --> 00:27:54,970
+الاحتياطي من أمواله الخاصة، أموال البنك ممكن يغطي
+
+285
+00:27:54,970 --> 00:28:01,650
+لكن إذا كانت الخسارة بحيث كانت كبيرة ولا تستطيع
+
+286
+00:28:01,650 --> 00:28:07,190
+تغطيتها لا من الاحتياطي ولا من فلوس إدارة البنك أو
+
+287
+00:28:07,190 --> 00:28:14,900
+المال الخاص بالبنك، فإن الخسارة ستقع وسيتحمل، سيتحمل
+
+288
+00:28:14,900 --> 00:28:20,780
+أصحاب الأموال وأصحاب المداخلات هذه الخسارة شاءوا
+
+289
+00:28:20,780 --> 00:28:27,420
+أو أبوا، ولم يكن .. ولم ينفعهم الشرط في هذه الحالة
+
+290
+00:28:27,420 --> 00:28:32,030
+بناءً على أيّة؟ بناءً على الواقع، بما أن على الواقع
+
+291
+00:28:32,030 --> 00:28:36,910
+يعني .. يعني الإخوة أحيانًا في بلوك تضرب بالمرة،
+
+292
+00:28:36,910 --> 00:28:43,390
+تفلس، وهي ليست عاملة بلوك إسلامية لسبب أو لآخر تُؤمَر
+
+293
+00:28:43,390 --> 00:28:50,370
+عليها، أو يعني أصحابها يتبين أنهم مصابون أو إلى غير
+
+294
+00:28:50,370 --> 00:28:58,490
+ذلك، في الآخر من الذي يضمن لهؤلاء؟ فهو حقيقة أشبه
+
+295
+00:28:58,490 --> 00:29:02,830
+بضمان يعني صوري، لكن إحنا هذا مستبعد، خلينا نقول
+
+296
+00:29:02,830 --> 00:29:08,010
+الحالة طارئة، لكن يعني الضمان الحقيقي الذي يتعهد به
+
+297
+00:29:08,010 --> 00:29:14,570
+البنك هو مبني على ما يتم اقتطاعه من الأرباح في كل
+
+298
+00:29:14,570 --> 00:29:21,200
+عام، لكن تبقى عندنا مشكلة هنا بالفعل وهي أن عملية
+
+299
+00:29:21,200 --> 00:29:27,780
+الاقتطاع للأرباح والتغطية لسنوات أخرى يعني قد يحدث
+
+300
+00:29:27,780 --> 00:29:31,020
+فيها نفس ما يقع في التنظيم التقديري وفي خلط
+
+301
+00:29:31,020 --> 00:29:34,800
+الأموال، بمعنى أنه أنا هذه السنة إحنا يا أصحاب
+
+302
+00:29:34,800 --> 00:29:41,840
+الأموال الذين شاركنا، المفروض نسبة الربح 20%، 25%، لكن
+
+303
+00:29:41,840 --> 00:29:52,080
+البنك اقتطع 5%، طب إحنا انسحبنا، معناته في 5% راحت
+
+304
+00:29:52,080 --> 00:29:57,120
+من حقنا، وأضيفت لآخرين في أعوام لاحقة، ستضاف
+
+305
+00:29:57,120 --> 00:30:01,970
+للآخرين، للذين سيستمرون، فهنا إشكالية، يعني صارت
+
+306
+00:30:01,970 --> 00:30:06,210
+الإشكالية من الضمان، إشكاليتان، إشكالية في أن مبدأ
+
+307
+00:30:06,210 --> 00:30:11,070
+الضمان مرفوض، لكن لما يتبين أن الضمان صوري وليس
+
+308
+00:30:11,070 --> 00:30:16,470
+حقيقي، هذه يعني خطوة
+
+309
+00:30:16,470 --> 00:30:24,770
+من خطوات التخريج، والشيء الثاني أن البعض لا يأخذ
+
+310
+00:30:24,770 --> 00:30:30,690
+كامل حقه من الربح، وهذه تخريجاتها مبنية أيضًا على مسألة
+
+311
+00:30:30,690 --> 00:30:38,790
+التبرع والإذن السابق، قبل، قبل عملية
+
+312
+00:30:38,790 --> 00:30:42,830
+التعاقد أو قبل بدء التعاقد، ولذلك يا إخوان أنا
+
+313
+00:30:42,830 --> 00:30:47,940
+بأقول شغل، في التخريج لكل هذه .. يُجتمع في التخريج بين
+
+314
+00:30:47,940 --> 00:30:53,640
+كل هذه الإشكاليات، فيها أنها إشكاليات خمسة أو عناصر
+
+315
+00:30:53,640 --> 00:30:57,000
+خمسة، يعني عجبنا الله، يمكن أهم عنصر ممكن يحلها
+
+316
+00:30:57,000 --> 00:31:03,380
+كلها، مسألة التوضيح قبل
+
+317
+00:31:03,380 --> 00:31:06,820
+التعاقد، توضيح عملية
+
+318
+00:31:08,700 --> 00:31:16,560
+المشاركة، توضيح عملية تقسيم الأرباح، توضيح عملية خلق
+
+319
+00:31:16,560 --> 00:31:22,000
+الأموال، توضيح عملية الضمان، كيف يتم كل ذلك؟ إذا وضح
+
+320
+00:31:22,000 --> 00:31:30,720
+البنك لأصحاب الأموال كيف ستتم هذه العملية
+
+321
+00:31:30,720 --> 00:31:35,290
+برمتها، وكيف ستتم عملية تقسيم الأرباح، وما هو مقصود
+
+322
+00:31:35,290 --> 00:31:41,450
+بالضمان، هذا سيحل نصف يعني الإشكاليات، وتبقى
+
+323
+00:31:41,450 --> 00:31:46,310
+الإشكاليات الأخرى يعني حلها في التفاصيل التي سبق
+
+324
+00:31:46,310 --> 00:31:51,810
+ذكرها، ولذلك ينبغي على البنك أن تكون أمور المضاربة
+
+325
+00:31:51,810 --> 00:31:57,990
+المشتركة موضحة كلها في مطوية أو نشرة أو disk أو
+
+326
+00:31:57,990 --> 00:32:02,990
+إلى غير ذلك، إذا كان موضحًا لهم شفاهيًا، أن يُقدم لهم
+
+327
+00:32:02,990 --> 00:32:07,670
+هذه التفاصيل قبل توقيع العقد، هذه التفاصيل بتاعة
+
+328
+00:32:07,670 --> 00:32:11,270
+المشاركة الكاملة، اقرأوها، فإذا تم التوافق، أنتم
+
+329
+00:32:11,270 --> 00:32:14,450
+مستعدون تكونوا متبرعين بجزء من الأرباح، أنتم
+
+330
+00:32:14,450 --> 00:32:17,950
+مستعدون تكونوا في عملية خلق الأموال، ممكن تكون، إحنا
+
+331
+00:32:17,950 --> 00:32:23,950
+عملية الضمان هي صورتها، وهكذا بتكون بناءً على هذا يا
+
+332
+00:32:23,950 --> 00:32:28,890
+إخوة، قال العلماء بجواز المضاربة، نعم، بحال ضمان
+
+333
+00:32:28,890 --> 00:32:31,550
+التنك راسلنا، ضمانًا حقيقيًا
+
+334
+00:32:37,060 --> 00:32:42,440
+هو أنا بأقول لك، لا يتم هذا، نحن لا نفترض هنا مسألة
+
+335
+00:32:42,440 --> 00:32:49,920
+افتراضية، هذا مثلًا، لأنه لا يقدم البنك على في
+
+336
+00:32:49,920 --> 00:32:54,300
+المضاربات المشتركة على ضمان حقيقي، في المضاربة
+
+337
+00:32:54,300 --> 00:32:59,210
+العادية، لو .. لو كانت مضاربة عادية، والبنك يا إخوة
+
+338
+00:32:59,210 --> 00:33:05,490
+يقوم بمضاربات عادية، بالمناسبة، البنك يقوم بمضاربات
+
+339
+00:33:05,490 --> 00:33:12,110
+عادية منفردة، بينه كشخص وبينه يعني من ماله الخاص
+
+340
+00:33:12,110 --> 00:33:18,270
+وكمضارب، في هذه الحالة لو اشترط يعني الـ .. الـ ..
+
+341
+00:33:18,270 --> 00:33:22,110
+الـ .. طبعًا هو .. هو صاحب المال في هذه الحالة، بديهي
+
+342
+00:33:22,110 --> 00:33:26,920
+يشرط على نفسه، كيف يعني؟ في هذه الحالة تفسد، لو ..
+
+343
+00:33:26,920 --> 00:33:32,420
+لو المضارب يعني .. أو .. آه لو هو .. هو اشترط أنه
+
+344
+00:33:32,420 --> 00:33:35,340
+لا يخسر، معناته من الذي بديه يخسر؟ صاحب
+
+345
+00:33:35,340 --> 00:33:39,620
+المال؟ المضارب ما هو أساسًا أنه ما عنده مال، يعني
+
+346
+00:33:39,620 --> 00:33:44,700
+هذا فرق .. الاحتمال هذا جدلي، حقيقة، ليس إلا،
+
+347
+00:33:44,700 --> 00:33:49,900
+لأن في المضاربة العادية .. في المضاربة العادية هو
+
+348
+00:33:49,900 --> 00:33:57,070
+صاحب رأس المال، أخذت بالك؟ إذا في المضاربة المشتركة،
+
+349
+00:33:57,070 --> 00:34:01,870
+يعني هذا الفرض غير موجود، هذا الفرض لأن هو من
+
+350
+00:34:01,870 --> 00:34:06,050
+اللحظة الأولى يتم .. ولو .. ممكن السؤال يُسأل كيف؟
+
+351
+00:34:06,050 --> 00:34:10,350
+لو من السنة الأولى، جاء المنهج في أول سنة، أول
+
+352
+00:34:10,350 --> 00:34:15,810
+غزاة كسروا عصاته، المثل بيقول، أول تجربة أو أول
+
+353
+00:34:15,810 --> 00:34:21,470
+سنة خسر، كيف؟ هي تكون عملية الضمان بالفعل، هنا
+
+354
+00:34:21,470 --> 00:34:30,970
+السؤال، أيوة، هنا يتم الدفع من أمواله كدين، لما يتم
+
+355
+00:34:30,970 --> 00:34:33,030
+الاقتطاع بعد ذلك من الأرباح
+
+356
+00:34:35,440 --> 00:34:38,520
+المشترك هو البنوك غير الإسلامية، يعني أنا نفس
+
+357
+00:34:38,520 --> 00:34:43,600
+الفكرة .. لا .. لا .. لا .. لا .. الحق كبير، اسمع،
+
+358
+00:34:43,600 --> 00:34:51,120
+هنا .. هنا مشاريع وصناعات وتجارة تتم بالفعل،
+
+359
+00:34:51,120 --> 00:34:56,140
+والأرباح مرتبطة بها، بغض النظر أن في نسبة تُقْطَع
+
+360
+00:34:57,030 --> 00:35:01,270
+احتياطًا للظروف الطارئة، لكن أنتَ هتلاحظ أن نسبة
+
+361
+00:35:01,270 --> 00:35:05,510
+الربح في كل سنة تختلف عن التي قبلها، وممكن تمر
+
+362
+00:35:05,510 --> 00:35:09,710
+مرات سنة ما فيش ربح، لأن هو في خسارة بس تغطيها،
+
+363
+00:35:09,710 --> 00:35:12,910
+لأنه على الأقل ما فيش ربح، هم بس من بعد أنه ما فيش
+
+364
+00:35:12,910 --> 00:35:15,830
+خسارة، السنة اللي ما فيش فيها ربح، اعلم أنها فيها
+
+365
+00:35:15,830 --> 00:35:23,950
+خسارة، لكن في سنة هتلاقي نسبة الربح 20%، 25%، 5%،
+
+366
+00:35:23,950 --> 00:35:29,610
+7%، لكن هناك في البنك الربوي لو كانت الأرباح إيش
+
+367
+00:35:29,610 --> 00:35:33,330
+ما كانت؟ هو طبعًا هو لما بيعطي أو بياخذ، بيستثمر هذه
+
+368
+00:35:33,330 --> 00:35:38,270
+الأموال في مشاركات، لو بلغت أرباحه ألف بالمئة، هل
+
+369
+00:35:38,270 --> 00:35:43,670
+ستأتي أنتَ تشاركهم في شيء؟ لا، الفرق كبير، لكنّ
+
+370
+00:35:43,670 --> 00:35:47,930
+المسألة، قد تكون هناك لحد تقاطع في أنه يعمل أكثر
+
+371
+00:35:47,930 --> 00:35:49,910
+في أكثر، خاصة، ماهي العكس يا دكتور، مش هاي شرط لو
+
+372
+00:35:49,910 --> 00:35:54,590
+أنها نسبة معينة، والباقي يظل في البنك؟ لا،
+
+373
+00:35:54,590 --> 00:35:59,950
+العكس، العكس، هو يأخذ نسبة معينة وليس له،
+
+374
+00:35:59,950 --> 00:36:05,730
+لصالح المشاركين، إذا حبيت، الطلة التي تتضرر فقط بعض
+
+375
+00:36:05,730 --> 00:36:09,570
+الذين ينسحبون وهو في الصورة، بدهم يعتبر النقطة هذه
+
+376
+00:36:09,570 --> 00:36:14,590
+الـ5% أو التي كانت تبرر، لأنها ستسبب إشكاليات فيما
+
+377
+00:36:14,590 --> 00:36:19,390
+لو فتحنا الباب، لكن هم شركاؤه، ستزيد نسبة ربح كل
+
+378
+00:36:19,390 --> 00:36:25,690
+واحد منهم، هؤلاء صحيح أن البلد سيستفيد، لكن لا،
+
+379
+00:36:25,690 --> 00:36:29,210
+واضح، الاختلاف كبير، لابد أن يكون واضحًا، أنا أعرف
+
+380
+00:36:29,210 --> 00:36:33,010
+هل الـ .. الذي يستثمر، ده ضمان الذي كان يتصحى
+
+381
+00:36:33,010 --> 00:36:36,450
+مثلًا، الذي كان يتصحى .. الذي يتصحى بيبقى خلاص،
+
+382
+00:36:36,450 --> 00:36:39,930
+إذا كان هذا ربح تحقق، يأخذ جزء من الربح، يأخذ نسبة
+
+383
+00:36:39,930 --> 00:36:45,230
+نسبته في الربح، والفرق .. فرق الربح خلاص ما له فيها
+
+384
+00:36:45,230 --> 00:36:52,450
+الفروق الاحتياطية تقصد؟ آه، ما له فيها، ما له فيها
+
+385
+00:36:52,450 --> 00:36:59,790
+خلاص، هذا كتبرؤ له أو يعني كشيء مُتَّفَق عليه، لحظة أخيرة
+
+386
+00:36:59,790 --> 00:37:04,850
+حاجة يا إخوة الآن اللي هي الـ .. الـ .. الـ .. الـ ..
+
+387
+00:37:04,850 --> 00:37:09,170
+إحنا بنتحدث في المضاربة المشتركة في صورة من صور
+
+388
+00:37:09,170 --> 00:37:1
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ZRDMLdxt770_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ZRDMLdxt770_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..839676c57680b4b6e079d1f70119e41c53897eed
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ZRDMLdxt770_raw.srt
@@ -0,0 +1,1704 @@
+1
+00:00:20,990 --> 00:00:23,530
+بسم الله الرحمن الرحيم، الحمد لله والصلاة والسلام
+
+2
+00:00:23,530 --> 00:00:28,370
+على رسول الله، على آله وصحبه ومن اهتدأ بهديه
+
+3
+00:00:28,370 --> 00:00:34,870
+واستمر بسنته إلى يوم الدينإذا تحدثنا في المرة
+
+4
+00:00:34,870 --> 00:00:38,510
+الماضية كما قلت عن المضاربة المشتركة من حيث
+
+5
+00:00:38,510 --> 00:00:42,590
+التعريف ومن حيث الخطوات ومن حيث أوجه المقارنة
+
+6
+00:00:42,590 --> 00:00:46,650
+بينها و بين المضاربة
+
+7
+00:00:46,650 --> 00:00:50,770
+العادية ثم انتقلنا للحديث عن التكييف الفقهي و
+
+8
+00:00:50,770 --> 00:00:58,390
+الحكم الشرعي قلناأو عندما نظر العلماء إلى طبيعة
+
+9
+00:00:58,390 --> 00:01:03,250
+هذه المعاملة أو هذا العقد المضاربة المشتركة يعني
+
+10
+00:01:03,250 --> 00:01:10,670
+وجدوا أدت نقاط قبل أن يصدروا الحكم وجدوا أن هذه
+
+11
+00:01:10,670 --> 00:01:16,540
+المضاربة تعتمد على الخلقالأموال وجدوا ان هذه
+
+12
+00:01:16,540 --> 00:01:23,980
+المضاربة فيها عنصر جديد هو العنصر الثالث هو الوسيط
+
+13
+00:01:23,980 --> 00:01:30,920
+هو البنك او المصرف وله مال وفق ال .. او و هو شريك
+
+14
+00:01:30,920 --> 00:01:37,630
+في الربح وفق مقدريات الشروقوجدوا أن عملية احتساب
+
+15
+00:01:37,630 --> 00:01:44,130
+الأرباح تنبني على التنظيف التقديري وجدوا أن هناك
+
+16
+00:01:44,130 --> 00:01:51,810
+إمكانية لانسحاب أحد الشركاء دون أن تتوقف المعاملة
+
+17
+00:01:51,810 --> 00:01:58,750
+أو الشركة أو دون أن تنتهي وجدوا أن المضاربة
+
+18
+00:01:58,750 --> 00:02:05,420
+المشتركة يكون رأس المال فيها مضمونةوكل هذه النقاط
+
+19
+00:02:05,420 --> 00:02:15,060
+أو هذه العناصر إن لم نجد تخريجا فإن كل واحدة منها
+
+20
+00:02:15,060 --> 00:02:20,700
+تكفي لبطلان أو لإصدار حكم البطلان على هذه المعاملة
+
+21
+00:02:20,700 --> 00:02:31,230
+ولذلك كانلزمن على العلماء المعاصرين أن يبينوا وجهة
+
+22
+00:02:31,230 --> 00:02:37,050
+تخريج هذه المعاملة وتجويزها مع وجود كل هذه
+
+23
+00:02:37,050 --> 00:02:43,050
+الإشكالات تحدثنا في هذه النقاط أيضا قلنا تحدثنا عن
+
+24
+00:02:43,050 --> 00:02:48,630
+وجه الإشكال في مسألة احتساب الربح بناء على أو في
+
+25
+00:02:48,630 --> 00:02:55,190
+مسألة خلط الأموالالمشتركة وكيف أنها تكون مشكلة
+
+26
+00:02:55,190 --> 00:02:59,990
+عملية الخلط لأنها لا تؤدي إلى أعطاء الربح لصاحبه
+
+27
+00:02:59,990 --> 00:03:04,230
+حقيقة ووجدنا
+
+28
+00:03:04,230 --> 00:03:11,130
+أو تعرفنا على الحل الذي قاله العلماء والمبني على
+
+29
+00:03:11,130 --> 00:03:17,570
+أنه يمكن أن تتجاوز عملية الإشكال فيما تعلق بخلط
+
+30
+00:03:17,570 --> 00:03:30,930
+الأموال من خلالإعلام واستئذان أصحاب المداخلات بهذه
+
+31
+00:03:30,930 --> 00:03:36,510
+العملية، بعملية خلط الأموال التي قد يترتب عليها
+
+32
+00:03:36,510 --> 00:03:39,930
+مساهمة
+
+33
+00:03:41,450 --> 00:03:47,610
+بعض المشاركين بأجزاء من أرباحهم لمشاركين آخرين
+
+34
+00:03:47,610 --> 00:03:55,150
+ربما لم تثبت في حق أموالهم المدخرة أرباحا أو
+
+35
+00:03:55,150 --> 00:04:00,850
+بالعكس حتى ربما ثبتت في مدخراتهم أو في مساهماتهم
+
+36
+00:04:00,850 --> 00:04:07,510
+الخسائرفلذلك يكون العمر مبنيا على التبرع ومن هنا
+
+37
+00:04:07,510 --> 00:04:13,530
+قالوا بتجاوز هذه الإشكالية بالنسبة لعملية احتساب
+
+38
+00:04:13,530 --> 00:04:16,610
+الربح بناء على التنظيم التقديري
+
+39
+00:04:18,880 --> 00:04:27,040
+أيضًا كل هذه تسبب وشكالية من حيث إنه
+
+40
+00:04:27,040 --> 00:04:33,320
+بعد التنظيف يمكن أن تحول بعد التنظيف التقديري بمدة
+
+41
+00:04:33,320 --> 00:04:40,170
+معينة قديتم التنظيف الحقيقي بمعنى أنه قد يتم بيأ
+
+42
+00:04:40,170 --> 00:04:47,090
+السلع بيعا حقيقيا تتحول معه السلع إلى مال حقيقي
+
+43
+00:04:47,090 --> 00:04:53,550
+وقد يكون الثمن في هذه الحالة الذي تم تحويله تحويرا
+
+44
+00:04:53,550 --> 00:05:02,790
+حقيقيا أكثرمن مبلغ المال اللى تم تنظيفه تنظيفا
+
+45
+00:05:02,790 --> 00:05:08,190
+تقديريا وبالتالي تبقى هذه الفروق محل إشكال لمن
+
+46
+00:05:08,190 --> 00:05:13,710
+تذهب هذه الفروق من حق لمنأو بالأحرى طبعا إذا كان
+
+47
+00:05:13,710 --> 00:05:19,610
+الشخص ضال مساهما للسنوات المقبلة يعني ربما لا
+
+48
+00:05:19,610 --> 00:05:24,950
+إشكال لأنه يصبح له حق فيها لكن ماذا بخصوص من سحب
+
+49
+00:05:24,950 --> 00:05:31,090
+أو من توقف عن الاستمرار في عملية المشاركة في نهاية
+
+50
+00:05:31,090 --> 00:05:40,820
+العام وهو له حقيعني في هذه الفروق، أيضا قلنا بأن
+
+51
+00:05:40,820 --> 00:05:48,360
+هذه الإشكالية حلها من جانبين أولا مبدأ التنظيف لا
+
+52
+00:05:48,360 --> 00:05:52,620
+إشكال فيه وقد وضحنا ذلك مبدأ التنظيف التقديري لا
+
+53
+00:05:52,620 --> 00:05:56,640
+إشكال فيه في كل المعاملات، في كل المعاملات، لكن
+
+54
+00:05:56,640 --> 00:06:01,520
+الإشكالية كما قلت في مسألة بقاء فروق يستحقها بعض
+
+55
+00:06:01,520 --> 00:06:07,660
+الأشخاص الذين ينسحبونالذين ينصحبون وهذا حله من
+
+56
+00:06:07,660 --> 00:06:16,900
+خلال أيضا إعلام من يريدون الدخول في هذه المشاركة
+
+57
+00:06:16,900 --> 00:06:23,200
+بأن عملية اقتسام وتوزيع الأرباح ستتم على هذا النحو
+
+58
+00:06:24,020 --> 00:06:30,500
+فيكون هذا أيضًا هذه الفروق عبارة عن فروق يتنازلون
+
+59
+00:06:30,500 --> 00:06:36,200
+عنها بمحظ إيرادته مبتداً فيما لو حدثت. لأنه وكذلك
+
+60
+00:06:36,200 --> 00:06:44,140
+يكون البنك فيما لو وقعلأنه ممكن يتم تحويل البضاعة
+
+61
+00:06:44,140 --> 00:06:50,760
+إلى مال تحويله حقيقيا أقل بأقل مما تم تنضيضه
+
+62
+00:06:50,760 --> 00:06:56,600
+تنضيضا تقديريا وبالتالي تقع الخسارة على البنكفكذلك
+
+63
+00:06:56,600 --> 00:07:01,320
+يكون البنك قد وافق ابتداءً عند توقيع العقد على أنه
+
+64
+00:07:01,320 --> 00:07:06,780
+إذا وقعت خسارة بعض التنظيف هو يعني لا يتابع ولا
+
+65
+00:07:06,780 --> 00:07:11,880
+يلاحق هذا المشارك الذي انسحب بعد نهاية العام كما
+
+66
+00:07:11,880 --> 00:07:18,120
+لا يطالب الشخص الذي ساهم بالمشاركة أو بالمضاربة
+
+67
+00:07:18,120 --> 00:07:22,800
+المشتركة بالفروق بعد انسحابه ويكون هذا مبنباب
+
+68
+00:07:22,800 --> 00:07:29,760
+المسامحةوالتبرار وبذلك تجاوزوا هذه النقطة نقطة
+
+69
+00:07:29,760 --> 00:07:39,240
+جواز أو دخول المصرف الإسلامي كأنصر جديد يعني أيضا
+
+70
+00:07:39,240 --> 00:07:43,480
+توقفنا عندها وقلنا من حيث المبدأ لا إشكال من حيث
+
+71
+00:07:43,480 --> 00:07:48,880
+المبدأ يا إخوة هذه لا تسبب مشكلة دخول واحد ثالث
+
+72
+00:07:48,880 --> 00:07:51,780
+يعني الشركاء قد يكونوا ثلاثة أو أربعة أو خمسة لا
+
+73
+00:07:51,780 --> 00:07:52,220
+إشكال
+
+74
+00:07:55,700 --> 00:08:02,260
+الإشكال في تكييف المال
+
+75
+00:08:02,260 --> 00:08:06,000
+الذي يأخذهه، يعني بأي حق يأخذهه، هو في اتفاق يا
+
+76
+00:08:06,000 --> 00:08:11,260
+إخوة على إنه هذا مشارك وله الحق في المال، لكن بأي
+
+77
+00:08:11,260 --> 00:08:17,990
+أتبار؟ بأي أتبار يأخذه؟ هل يأخذه بأتباره شريك؟ولا
+
+78
+00:08:17,990 --> 00:08:22,610
+وكيل ولا أجير هأي .. هأي الإشكالية ولا يا إخوة
+
+79
+00:08:22,610 --> 00:08:26,750
+حقيقة دخول عنصر جديد لا إشكال وهي أسهل النقاط ولكن
+
+80
+00:08:26,750 --> 00:08:33,730
+افعلتها هنا من باب بيان لماذا أو ما هو الاعتبار
+
+81
+00:08:33,730 --> 00:08:43,870
+الذي بسببه حق للبنك لهذا العنصر الجديد أخذ المصيب
+
+82
+00:08:43,870 --> 00:08:51,700
+في ال .. ال .. الربحطبعا يمكن أن يقال أحد أمرين أو
+
+83
+00:08:51,700 --> 00:08:57,920
+أكثر ممكن أن يقال أن ربحه أخذه مقابل إجتهاده وجهده
+
+84
+00:08:57,920 --> 00:09:03,120
+كما السمسار والسمسارة جائزة يا إخوة السمسارة جائزة
+
+85
+00:09:03,120 --> 00:09:11,160
+مدامت يعني في حدود ما شرع ربناصحيح أهمها أهمها أن
+
+86
+00:09:11,160 --> 00:09:17,000
+لا يقع هناك غشا ولا يقع هناك إخفاء عن كلا الأمرين
+
+87
+00:09:17,000 --> 00:09:18,100
+بمعنى يا أخوة
+
+88
+00:09:21,410 --> 00:09:25,290
+أه لا يجوز طبعا، لا يجوز، فهذه من الباب، يعني
+
+89
+00:09:25,290 --> 00:09:30,410
+الغش، حقيقة، يعني ما يقع فيه سماسرة اليوم من
+
+90
+00:09:30,410 --> 00:09:36,730
+إشكاليات إنهم لا يعملوا كسماسرة، حقيقيين، بل يعمل
+
+91
+00:09:36,730 --> 00:09:42,270
+إيش؟ يعني كتاجر يملك السلع و هو لا يملكها، حقيقة،
+
+92
+00:09:42,270 --> 00:09:47,190
+كأنه هو المالك و هو الذي يتصرف، الأصل إن السمسار
+
+93
+00:09:47,190 --> 00:09:54,140
+هو مجرد وسيطيأخذ مالا من كلا الطرفين أو ممن يشترط
+
+94
+00:09:54,140 --> 00:10:01,280
+عليه مقابل جهده، ليس الا أما أن يتبنى عملية البيع
+
+95
+00:10:01,280 --> 00:10:07,540
+باعتباره مالك، دون أن يأخذ توكيلا من المالك، لا هو
+
+96
+00:10:07,540 --> 00:10:12,260
+موكل ولا هو شاري،
+
+97
+00:10:12,260 --> 00:10:18,170
+حقيقة، يعني هو واحد يقول شوفلي تاج، شوفلي شرةشوف
+
+98
+00:10:18,170 --> 00:10:21,190
+الزبون، بأوكله و أقوله يعني شوف الزبون أساساك و
+
+99
+00:10:21,190 --> 00:10:26,390
+أقعد معاه، فبروح أمام الزبون و أقوله عندي إيش؟
+
+100
+00:10:26,390 --> 00:10:30,210
+عندي الشجرة دماغتك، عندي الفيلا، عندي الأرض، عندي
+
+101
+00:10:30,210 --> 00:10:34,550
+كذا، و ببيعه و بشتري فيه، طبعا هو بكون just نبض إن
+
+102
+00:10:34,550 --> 00:10:38,810
+أنت جداش بدك صاحب الشقة أو صاحب العقار، أنت جداش
+
+103
+00:10:38,810 --> 00:10:43,540
+بدك إياه في حدود جداش، و أخد كل التفاصيلو بعدين
+
+104
+00:10:43,540 --> 00:10:47,620
+بيصير يقولوا انا طب لو جبتلك يعني هنا في اشكالات
+
+105
+00:10:47,620 --> 00:10:54,420
+الاصل ان يكون في وضوح يا اخوة هو مجرد يعني اجير ان
+
+106
+00:10:54,420 --> 00:10:59,320
+صح التعبير او وسيط يعني ياخد مقابل جهده لا بأس في
+
+107
+00:10:59,320 --> 00:11:03,620
+ذلك وجهد و لابد ان يكون واضحا يعني في الك الف
+
+108
+00:11:03,620 --> 00:11:08,360
+دينار الك خمسمائة دينار لا بأس في ذلك اما بيحب خمس
+
+109
+00:11:08,360 --> 00:11:15,410
+و خمسين لزبون و لأنه عارفان التاجة ان صاحبها أساسا
+
+110
+00:11:15,410 --> 00:11:19,430
+كان يكتفي بخمسين جالله هاي خمسين باقها بخمس و
+
+111
+00:11:19,430 --> 00:11:23,710
+خمسين و بعدين راح شراها منه بخمسين فصار باقى باقها
+
+112
+00:11:23,710 --> 00:11:28,310
+مرتين هنا يعني تقع إشكالات كتيرة و برضه راح أخد
+
+113
+00:11:28,310 --> 00:11:35,030
+يعني أجرة من المشتري
+
+114
+00:11:35,030 --> 00:11:38,650
+و يعني يقعوا في إشكالات كثيرة لكن السمسرة في حد
+
+115
+00:11:38,650 --> 00:11:42,790
+ذاتها إذا وقعتأيوة الإخوة بناء على الأسس الشراية
+
+116
+00:11:42,790 --> 00:11:51,470
+لا إشكلة في ذلك لإن يعمل ويجتهد ويتحرك فيستحقق
+
+117
+00:11:51,470 --> 00:11:58,730
+فيمكن ان يقال ان استحقاق البنك لجزء من الربح مقابل
+
+118
+00:11:58,730 --> 00:12:06,240
+ما بدله من جهد في ترتيبتمسيق العلاقة بين أصحاب
+
+119
+00:12:06,240 --> 00:12:12,640
+الأموال و أصحاب المشاريع، هذا لا إشكل فيه، وهناك
+
+120
+00:12:12,640 --> 00:12:21,770
+من اعتبر إن الاستحقاق للبنك باعتباره وكيلاوكيلا عن
+
+121
+00:12:21,770 --> 00:12:26,550
+أرباب الأموال، احنا قلنا ان هو في مرة من المرات
+
+122
+00:12:26,550 --> 00:12:33,650
+عرض نفسه على أرباب الأموال باعتباره مضارب ومرة عرض
+
+123
+00:12:33,650 --> 00:12:39,570
+نفسه على أصحاب العمل باعتباره وكيلا باعتباره صاحب
+
+124
+00:12:39,570 --> 00:12:45,040
+مالفهو عندما يعني تعامل مع أصحاب المشاريع، تعامل
+
+125
+00:12:45,040 --> 00:12:49,420
+باعتباره وكيلا عن أصحاب الأموال، أعطوه تفويت،
+
+126
+00:12:49,420 --> 00:12:57,250
+أعطوه وكالة مطلقة باستثمار أموالهمباستثمار أموالهم
+
+127
+00:12:57,250 --> 00:13:01,510
+والحقيقة في الشرع الإسلامي عند بعض الفقاء وعند
+
+128
+00:13:01,510 --> 00:13:07,750
+كثير من الفقاء لا منع ان يكون الوكيل له نصيب او
+
+129
+00:13:07,750 --> 00:13:15,850
+أجر في ال .. ال .. الربح او في ال .. ال .. الأجر
+
+130
+00:13:15,850 --> 00:13:22,110
+وقد يكون كذلك باعتباره له صفة مزدوجة بمعنى ان هو
+
+131
+00:13:22,110 --> 00:13:29,100
+يعني وكالةعن المضاربين أمام أصحاب الأموال وكذا عن
+
+132
+00:13:29,100 --> 00:13:32,980
+أصحاب
+
+133
+00:13:32,980 --> 00:13:39,060
+المدخرات شكرا وكذا عن أصحاب المدخرات أمام
+
+134
+00:13:39,060 --> 00:13:45,420
+المضاربين المهم أيها الأخوةبأي تكييف إن كان، لا
+
+135
+00:13:45,420 --> 00:13:53,080
+إشكالة في أن البنك يستحق إما مقابل جهده وأجرته أو
+
+136
+00:13:53,080 --> 00:13:58,640
+مقابل وكالته المفردة عن أحد الطرفين أو المزدوجة
+
+137
+00:13:58,640 --> 00:14:10,140
+عنهماالنقطة الثالثة أو الرابعة التي تحدث
+
+138
+00:14:10,140 --> 00:14:14,180
+فيها الفقهاء هو مثلا انسحاب أحد الشركاء من
+
+139
+00:14:14,180 --> 00:14:17,980
+المضاربة المشتركة، هذه احنا حكيناها المرة اللي
+
+140
+00:14:17,980 --> 00:14:25,950
+فاتتمثلة الانسحاب ايضا اتحدثنا فيها وقلنا يعني انه
+
+141
+00:14:25,950 --> 00:14:29,490
+في حياتي المبدأ يا اخوان لا اشكال في الانسحاب لكن
+
+142
+00:14:29,490 --> 00:14:32,970
+متى يشكل الانسحاب مشكلة في المضاربة المشتركة في
+
+143
+00:14:32,970 --> 00:14:36,370
+المضاربة العادية لو انسحت احد الطرفين انتهت
+
+144
+00:14:36,370 --> 00:14:41,230
+المضاربة وبتم بعد هيك عملية تقسيم الاربع او تقسيم
+
+145
+00:14:41,230 --> 00:14:49,300
+الغضب او ما لا اشكال لكن هنا ينساحبوا احدالاطراف
+
+146
+00:14:49,300 --> 00:14:55,940
+المشاركة وبغض النظر هنا قد يكون المنسحب في الغالب
+
+147
+00:14:55,940 --> 00:15:00,100
+دعني أقول ما يكون المنسحب من أصحاب الأموال من
+
+148
+00:15:00,100 --> 00:15:04,360
+أصحاب الأموال ومع ذلك المشاركة أو المظاهرة بتبقى
+
+149
+00:15:04,360 --> 00:15:10,140
+مستمرة ولا تتأثر ولا تتوقف
+
+150
+00:15:14,290 --> 00:15:20,490
+ولكن تبقى الإشكالية في أن من ينسحب ويأخذ أمواله مع
+
+151
+00:15:20,490 --> 00:15:30,670
+أنها قد حققت ربحاأنه لا يأخذ ربحًا، أي مشكلة، هنا
+
+152
+00:15:30,670 --> 00:15:38,430
+قد يقال إن هذا مخالف للعدل والحق، هذا ماله استثمر
+
+153
+00:15:38,430 --> 00:15:42,410
+على مدار ستة أشهر، سبعة أشهر، أقل أو أكتر، وحقق
+
+154
+00:15:42,410 --> 00:15:48,390
+ربح فعلي، ومع ذلك عندما ينسحب يقال له خد رأس مالك
+
+155
+00:15:48,390 --> 00:15:54,420
+وليس لك من ربحفهذا قد يظهر إلي أنه نوعا من الظلم
+
+156
+00:15:54,420 --> 00:15:59,640
+الذي تأباه الشريعة لكن من زاوية أخرى يعني العلماء
+
+157
+00:15:59,640 --> 00:16:05,380
+نظروا نظرة أخرى وجوزوا بناء عليها الانسحاب دون أن
+
+158
+00:16:05,380 --> 00:16:12,340
+يأخذ ربحا ذلك أنه نادة نقاط أن من ينسحب قد يسب
+
+159
+00:16:12,340 --> 00:16:18,240
+مضارا لعملية المشاركة في الجملةقد يسببه ضرر ان انت
+
+160
+00:16:18,240 --> 00:16:24,760
+لما تاخد اموال فجأة وانا يمكن انا كنت ناوي اشارك
+
+161
+00:16:24,760 --> 00:16:32,600
+في مشروع او ادعمه او ارقيه او الى غير ذلك قد يسببه
+
+162
+00:16:32,600 --> 00:16:38,800
+ضررا قد يزيد ربما هذا الضرر عن مجموعة ما تحقق لك
+
+163
+00:16:38,800 --> 00:16:44,320
+من من من ربح فقواعد العدل تقتضي انه مدام انت سببت
+
+164
+00:16:44,320 --> 00:16:50,570
+الى ضرر في المقابل انت لاالغرم بالغنم لا تستحق
+
+165
+00:16:50,570 --> 00:16:56,530
+الربح ثم من جانب آخر هذا شرط يتم الاتفاق عليه
+
+166
+00:16:56,530 --> 00:17:02,630
+والمسلمون عند شروطهم الاصل يعني امتداء بين البنك
+
+167
+00:17:02,630 --> 00:17:06,850
+واصحاب المداخلات يتم الاتفاق على انه في حالة سحب
+
+168
+00:17:06,850 --> 00:17:13,730
+الأموال قبل نهاية العام المالي لا تستحق يعني الربح
+
+169
+00:17:15,230 --> 00:17:20,470
+استحقاق الربح انما يكون في نهاية العام المالي عند
+
+170
+00:17:20,470 --> 00:17:26,490
+جرد الحساب والاحصاء الشامل لأنه لو ترك الأمر هكذا
+
+171
+00:17:26,490 --> 00:17:31,470
+لكل من أراد أن ينسحب في أي يوم في أي ساعة سيسببه
+
+172
+00:17:31,470 --> 00:17:36,190
+اضطرابا كبيرا ويسببه بالبلة كبيرة ويسببه جهدا ربما
+
+173
+00:17:36,190 --> 00:17:41,830
+لا يطيقه البنك ويحتاج إلى محاسبين على مدار الساعة
+
+174
+00:17:41,830 --> 00:17:45,820
+يظلوا مشغلين لإن بدي نسحب بسوهذا أمر غير مطاق
+
+175
+00:17:45,820 --> 00:17:50,760
+ولذلك قالوا يدا طاق الأمر التاسع يعني يا ده وما
+
+176
+00:17:50,760 --> 00:17:53,080
+جعل الله عليكم في الدين من الحرج يا جماعة انتوا
+
+177
+00:17:53,080 --> 00:17:56,060
+هيك بسببون أزمة اللي بدنا نساحب أكتر ما فيها
+
+178
+00:17:56,060 --> 00:18:01,260
+بنعطيه راس ماله حتى لو ربحاش ما ربح لكن الإشكالية
+
+179
+00:18:01,260 --> 00:18:08,640
+وين؟ في من انسحب انسحابا جزئيا يعني شارك بعشرة
+
+180
+00:18:08,640 --> 00:18:15,550
+آلاف و أراد أن يسحب خمسة آلاففهل يعني .. فهل
+
+181
+00:18:15,550 --> 00:18:20,070
+تنطبقوا على .. ينطبقوا عدم الربح على العشرة آلاف
+
+182
+00:18:20,070 --> 00:18:25,690
+أو على الخمسة آلاف؟ الأصل أنه يعني ينطبق فقط على
+
+183
+00:18:25,690 --> 00:18:29,890
+الخمسة آلاف وإن كان في بعض البنوك تمنع فهذا من
+
+184
+00:18:29,890 --> 00:18:34,130
+الظلم، يعني تعمل حسبة جديدة للعشرة آلاف كلها من
+
+185
+00:18:34,130 --> 00:18:39,920
+يوم ما سحبتقوله خلاص احنا لنا دي اليوم، هذا في
+
+186
+00:18:39,920 --> 00:18:44,080
+ظلم، لأنه حقيقة يعني هو لم يسحب إلى الخمسة آلاف،
+
+187
+00:18:44,080 --> 00:18:48,240
+فرد إليه الخمسة آلاف، ولكن الخمسة المتبقية احتسبها
+
+188
+00:18:48,240 --> 00:18:52,420
+من يوم الإيداع وليس من يوم عملية السحب أو
+
+189
+00:18:52,420 --> 00:18:57,000
+الانسحاب، هذا ما يتوافق مع العدل، نعم يا أحمد
+
+190
+00:19:01,560 --> 00:19:09,180
+إذا انسحاب قد يتم لكن هذا مخالف للشريعة بالكام إذا
+
+191
+00:19:09,180 --> 00:19:15,820
+كان الانسحاب جزءي أما إذا الانسحاب كله نعم إذا
+
+192
+00:19:15,820 --> 00:19:21,140
+الانسحاب بكل المال هذا شرط متفق عليه ولو تأويل
+
+193
+00:19:21,140 --> 00:19:28,370
+وتخريج إذا أنت صحابة أموالك قبل نهاية المدةمالاكش
+
+194
+00:19:28,370 --> 00:19:32,390
+اموال، مالاكش ربح ويمكن الربح يتجاوز القرار اللي
+
+195
+00:19:32,390 --> 00:19:37,550
+يسببه؟ ما هو قد عشان يتجاوز او مايتجاوز يسبب مشكلة
+
+196
+00:19:37,550 --> 00:19:41,970
+اكبر لأن هذا لن ينسحب على قد يتحقق انا بقولك ممكن
+
+197
+00:19:41,970 --> 00:19:46,970
+بالفعل زي ما قال أحمد بالنسبة لبعض الأفراد يتجاوز
+
+198
+00:19:46,970 --> 00:19:53,860
+لكن في الأعمل لو توقع الباب و هكذا كل واحدبدوا
+
+199
+00:19:53,860 --> 00:19:59,240
+حسبة جديدة فمجموع ما يتكلفه البنك فيما لو فتح هذا
+
+200
+00:19:59,240 --> 00:20:03,820
+الباب من حسابات سيكون أكبر من مجموع الأرباح ربما
+
+201
+00:20:03,820 --> 00:20:08,900
+وبالتالي إضافة إلى ما فيه من العصر والضيق والمشاكة
+
+202
+00:20:08,900 --> 00:20:13,420
+والحرج فلذلك لأ يا عم احنا بنعمل حسبة كل ست شهور
+
+203
+00:20:13,420 --> 00:20:18,070
+أو كل سنة ليه هيك؟ اللي بيسحب جابه ليه هيك؟يعني
+
+204
+00:20:18,070 --> 00:20:22,170
+فلا يلومنا إلا نفسه، يعني يخلف علينا اللي بنعطيه
+
+205
+00:20:22,170 --> 00:20:28,410
+إياه يعني، لا إشتال، قد نجد ما .. لأنه كما قلت هو
+
+206
+00:20:28,410 --> 00:20:32,050
+تسبب بدي أكتر من ضاعي يعني، غير الحرج وغير المشاقة
+
+207
+00:20:32,050 --> 00:20:36,980
+قد يكون تسبب بسبب ثقلبة أنا، لكن يا إخوةانه في
+
+208
+00:20:36,980 --> 00:20:40,980
+عندي اشرين تلاتين ألف او خمسين ألف وروحت بده نزل
+
+209
+00:20:40,980 --> 00:20:44,900
+اعمل مشروع نزلت الجرافات ونزلت حجار ونزلت ونزلت
+
+210
+00:20:44,900 --> 00:20:49,520
+وبس و بعدين راح نختفي هدول انسحبت مرة واحدة انا
+
+211
+00:20:49,520 --> 00:20:52,860
+تضررت ولا لا الوامال اللي نزله عمش هيشتغله الآن
+
+212
+00:20:52,860 --> 00:20:56,900
+التركتورات اللي نزلت الكذا دول كلهم بدهم تعول بعض
+
+213
+00:20:56,900 --> 00:21:04,310
+فالحقيقة يعني تجد لذلك تخريجةمناسبة لكن كما قلت
+
+214
+00:21:04,310 --> 00:21:08,010
+الإشتراك فيما لو كان المال كله هذا غير مقبول حتى
+
+215
+00:21:08,010 --> 00:21:13,730
+لو تم الإشتراك هذا يكون مخالف قد يقع من بعض البنوك
+
+216
+00:21:13,730 --> 00:21:18,010
+انه في حالة ان سحابك بجزء من المال يعني احنا
+
+217
+00:21:18,010 --> 00:21:24,590
+بنقطبلك بعد من الصفر هذا لا يجوز بقيت النقطة
+
+218
+00:21:24,590 --> 00:21:27,130
+الأخيرة وهي مسألة الضمان
+
+219
+00:21:37,010 --> 00:21:40,250
+من يوم من تاريخ الإيداع؟ من يوم من تاريخ الإيداع،
+
+220
+00:21:40,250 --> 00:21:46,150
+ربحوا عليها من يوم الإيداع وليس من يوم صحب الخمسة
+
+221
+00:21:46,150 --> 00:21:46,530
+ثانية
+
+222
+00:21:50,460 --> 00:21:54,580
+لأ لأ، هو بيناقش يا أخو عشان تفضح الصورة، هو
+
+223
+00:21:54,580 --> 00:21:58,500
+بيناقش، بيقول إنه يعني إذا كانت البنوك تشترطوا كما
+
+224
+00:21:58,500 --> 00:22:04,340
+قلت، لو فرض أن البنوك اشترطت أنه ليس له ربح فهذا
+
+225
+00:22:04,340 --> 00:22:10,040
+مخالف للشريعة، هذا عند البنوك أو عند بعض البنوك،
+
+226
+00:22:10,040 --> 00:22:14,180
+لكن قرن أنزل تحت شوية، بتناقش موقف الشريعة، جالك
+
+227
+00:22:14,180 --> 00:22:19,530
+لأفي الفقرة اللي بعدها في الفقرة اللي بعدها بتكون
+
+228
+00:22:19,530 --> 00:22:25,330
+هذا مخالف و غير مقبول شرعا لأنه مافيش .. انا شوف
+
+229
+00:22:25,330 --> 00:22:30,910
+الشريعة عندما تجد تسويغا معينا لمسألة تتقبل ذلك
+
+230
+00:22:30,910 --> 00:22:36,710
+لكن يعني ظلم و ضرر واضح و ليس له اي تسويغ لا تقبل
+
+231
+00:22:36,710 --> 00:22:44,310
+الشريعة أبدا لأنها قايمة على أساس الحق و العدلبقية
+
+232
+00:22:44,310 --> 00:22:48,970
+المسألة الأهم حقيقة وهي مسألة الضمان لرأس المال
+
+233
+00:22:48,970 --> 00:22:54,330
+اللي هو في الأصل يا إخوة ضمان رأس مال المضاربة
+
+234
+00:22:54,330 --> 00:23:01,570
+العادية يفسدها لو أن الرب
+
+235
+00:23:01,570 --> 00:23:09,470
+المال اشترط على المضارب المضاربة العادية أن يودّ
+
+236
+00:23:09,470 --> 00:23:14,980
+إليه المال كاملا خسرا او ربحيعني حتى لو خسر، إن
+
+237
+00:23:14,980 --> 00:23:19,220
+ربح، إذا وصل المال والربح إن خسر فليس له في
+
+238
+00:23:19,220 --> 00:23:24,220
+الخسارة، فالمضاربة من أساسها باطلة وفاسدة وغير
+
+239
+00:23:24,220 --> 00:23:28,900
+صحيحة، حتى وإن قبلها، بيصير المعاملة كلها حرام،
+
+240
+00:23:28,900 --> 00:23:32,920
+بيصير الفلوس اللي لكت انه حرام، يعني كما لو دخل في
+
+241
+00:23:32,920 --> 00:23:39,350
+الربةلكن اللي بنشوفه احنا في المضاربة هذه المشتركة
+
+242
+00:23:39,350 --> 00:23:44,010
+انها قائمة على هذا الأساس وهي ان احنا قلنا يمكن
+
+243
+00:23:44,010 --> 00:23:52,790
+انه عندما عرض البنك نفسه على أصحاب الأموال وناداهم
+
+244
+00:23:52,790 --> 00:23:58,370
+للاستثمار عنده بالمضاربة المشتركة
+
+245
+00:24:00,310 --> 00:24:05,830
+من حيث كونها حلالا ومن حيث كونها محل ثقة وإلى غير
+
+246
+00:24:05,830 --> 00:24:13,130
+ذلك ضعفا شيئا أخر إغراءا وتشجيعا وأن لكم أموالكم
+
+247
+00:24:13,130 --> 00:24:23,230
+كاملة غير منقوصة في حالة انسحابكم، لا خسارة.ظاهر
+
+248
+00:24:23,230 --> 00:24:33,760
+هذا الشرط مبطل للمضاربةوبتسبب لعدم مشروعيتها فكيف
+
+249
+00:24:33,760 --> 00:24:41,640
+وجد له العلماء المؤاصرون تخريجا بالبداية يا اخوة
+
+250
+00:24:41,640 --> 00:24:46,000
+اريد ان اقول طبعا يا اخوة التخريجات هذه مش مصطنعة
+
+251
+00:24:46,000 --> 00:24:50,980
+هي من خلال النظر للواقع نظروا الى حقيقة الضمان
+
+252
+00:24:50,980 --> 00:24:58,280
+اللذي يعرضه البنك فوجدوه ضمانا صوريا
+
+253
+00:24:59,930 --> 00:25:09,330
+وليس ضمانا حقيقيا نظره في حقيقة الضمان وهي واضحة
+
+254
+00:25:09,330 --> 00:25:13,630
+يعني لدى .. لدى مين؟ لدى أصحاب المداخلات أيضا لكن
+
+255
+00:25:13,630 --> 00:25:19,470
+هو في الظاهر هيك كيف ضمان صوري مش ضمان حقيقي؟ ذلك
+
+256
+00:25:19,470 --> 00:25:26,850
+أن البنك يعمل على اقتطاع جزء من الأرباح في كل عام
+
+257
+00:25:29,870 --> 00:25:36,290
+ليكون ذلك احتياطا في حالة وجود او وقوع خسارة في
+
+258
+00:25:36,290 --> 00:25:40,450
+عام معين او في صفقة معينة او حتى مش في حالة خسارة
+
+259
+00:25:40,450 --> 00:25:46,770
+في حالة عدم تحقيق ربح كمان انه من هذه الاموال
+
+260
+00:25:46,770 --> 00:25:52,490
+الاحتياطية يدفعللشركاء نسبة من الربح من هذه
+
+261
+00:25:52,490 --> 00:25:58,650
+الأموال ليحافظ البنك يعرف كل التجارة وكل المشاركون
+
+262
+00:25:58,650 --> 00:26:03,310
+يعرفون أن التجارة ربح مع خسارة لكن يا أخوة في
+
+263
+00:26:03,310 --> 00:26:09,430
+الجملة التجارة في الجملة رابحة خاصة إذا أقيمت على
+
+264
+00:26:09,430 --> 00:26:13,010
+أسس صحيحة وإذا وجدت الأمانة ووجدت الثقة ووجدت
+
+265
+00:26:13,010 --> 00:26:20,130
+الخبرة او كل عشر صفقات تخسر صفقة ماشيهذا حسب
+
+266
+00:26:20,130 --> 00:26:26,250
+الاستقاء ان تشوف اي تاجر بيبدأ باصطة صغيرة بتلاقيه
+
+267
+00:26:26,250 --> 00:26:29,970
+في خلال سنتين صار عنده supermarket التجارة تسعة
+
+268
+00:26:29,970 --> 00:26:36,350
+عشر رزق حقيقة مادام التاجر يعني عنده خبرة و عنده
+
+269
+00:26:36,350 --> 00:26:39,690
+همة و عنده امانة و غير ذلك
+
+270
+00:26:42,510 --> 00:26:49,310
+لأ من باب يعني كما قلت التحوق لمثل هذه الحالات
+
+271
+00:26:49,310 --> 00:26:52,930
+الطارية التي قد يحدث فيها خسارة لسنة أو لغيري يقوم
+
+272
+00:26:52,930 --> 00:26:58,770
+بالاقتطاع، بالاقتطاع حتى إذا وقعت الخسارة فإنه لا
+
+273
+00:26:58,770 --> 00:27:02,370
+مابيجيش السنة هذه المشاركين برجال اللي هم اللي
+
+274
+00:27:02,370 --> 00:27:05,510
+بدهم ينسحبوا طبعا من نقص المال أو حتى اللي ما بدهم
+
+275
+00:27:05,510 --> 00:27:10,810
+مش ينسحبوالأنه انا في كل سنة بأعمل حساب بصير
+
+276
+00:27:10,810 --> 00:27:13,510
+رأسمالك ان انا عندي عشر تلاف السنة هذه مابنقصش
+
+277
+00:27:13,510 --> 00:27:19,070
+بصيرش تسعة تلاف و نص لأنه خسرنا او تسعة .. لأ لأنه
+
+278
+00:27:19,070 --> 00:27:23,130
+انا في عندي رصيد مرحل مقططع من مجموعة الأرباح في
+
+279
+00:27:23,130 --> 00:27:30,750
+حالة وجود خسارة انا باجبر هذه الخسارةوبالتالي في
+
+280
+00:27:30,750 --> 00:27:34,670
+الغالب لا تقع خسارة بالفعل، لكن انا بدي اقولكم
+
+281
+00:27:34,670 --> 00:27:42,250
+شغل، لو ان الخسارة اللتي وقعت كانت خسارة كبيرة
+
+282
+00:27:42,250 --> 00:27:47,590
+بحيث لا يستطيع البنك تغطيتهالا من الاحتياطي طبعا
+
+283
+00:27:47,590 --> 00:27:51,550
+أحيانا ربما يغطي بالاحتياطي ويضطر أخذ من غير
+
+284
+00:27:51,550 --> 00:27:54,970
+الاحتياطي من أمواله الخاصة أموال البنك ممكن يغطي
+
+285
+00:27:54,970 --> 00:28:01,650
+لكن إذا كانت الخسارة بحيث كانت كبيرة ولا تستطيع
+
+286
+00:28:01,650 --> 00:28:07,190
+تغطيتها لا من الاحتياط ولا من فلوس إدارة البنك أو
+
+287
+00:28:07,190 --> 00:28:14,900
+المال الخاص بالبنك فإن الخسارة ستقع وسيتحملوسيتحمل
+
+288
+00:28:14,900 --> 00:28:20,780
+أصحاب الأموال وأصحاب المداخلات هذه الخسارة شاءوا
+
+289
+00:28:20,780 --> 00:28:27,420
+أو أبوا ولم يكون .. ولم ينفعهم الشرط في هذه الحالة
+
+290
+00:28:27,420 --> 00:28:32,030
+بناء على ايه؟ بناء على الواقعبما أن على الواقع
+
+291
+00:28:32,030 --> 00:28:36,910
+يعني .. يعني الأخوة أحيانا في بلوك تضرب بالمرة،
+
+292
+00:28:36,910 --> 00:28:43,390
+تفلس، وهي ما عاملة بلوك إسلامية لسبب أو لآخر تؤمر
+
+293
+00:28:43,390 --> 00:28:50,370
+عليها أو يعني أصحاب تبين أنهم مصابين أو إلى غير
+
+294
+00:28:50,370 --> 00:28:58,490
+ذلكفي الآخر من الذي يضمن لهؤلاء فهو حقيقة أشبه
+
+295
+00:28:58,490 --> 00:29:02,830
+بضمان يعني صوري لكن احنا هذا مستبعد خلينا نقول
+
+296
+00:29:02,830 --> 00:29:08,010
+الحالة طارقة لكن يعني الضمان الحقيقي اللي يتعهده
+
+297
+00:29:08,010 --> 00:29:14,570
+البنك هو مبني على ما يتم اقتطاعه من الأرباح في كل
+
+298
+00:29:14,570 --> 00:29:21,200
+عام لكنتبقى عندنا مشكلة هنا بالفعل وهي أن عملية
+
+299
+00:29:21,200 --> 00:29:27,780
+الاقتطاع للأرباح والتغطية لسنوات أخرى يعني قد يحدث
+
+300
+00:29:27,780 --> 00:29:31,020
+فيها نفس ما يقع في التنظيف التقديري وفي خلط
+
+301
+00:29:31,020 --> 00:29:34,800
+الأموال بمعنى أنه أنا السنة هذه احنا يا أصحاب
+
+302
+00:29:34,800 --> 00:29:41,840
+الأموال اللي شاركنا المفروض نسبة الربح 20% 25% لكن
+
+303
+00:29:41,840 --> 00:29:52,080
+الbank اقتطع 5%طب احنا انسحبنا، معناته في 5% راحت
+
+304
+00:29:52,080 --> 00:29:57,120
+من حقنا، واضيفت لآخرين في عوام لاحقة، ستضاف
+
+305
+00:29:57,120 --> 00:30:01,970
+للآخرين، للذين سيستمرونفهنا إشكالية يعني صارت
+
+306
+00:30:01,970 --> 00:30:06,210
+الإشكالية من الضمان إشكاليتين إشكالية في أن مبدأ
+
+307
+00:30:06,210 --> 00:30:11,070
+الضمان مرفوض لكن لما تبين أن الضمان صوري وليس
+
+308
+00:30:11,070 --> 00:30:16,470
+حقيقي هذه يعني خطوة
+
+309
+00:30:16,470 --> 00:30:24,770
+من خطوات التخريجوالشيء الثاني أن البعض فلا يأخذ
+
+310
+00:30:24,770 --> 00:30:30,690
+كامل حقه من الربح وهذه تخريجها مبنى أيضا على مسألة
+
+311
+00:30:30,690 --> 00:30:38,790
+التبرع والتوضيح والإذن السابق قبل قبل عملية
+
+312
+00:30:38,790 --> 00:30:42,830
+التعاقد أو قبل بدء التعاقد ولذلك يا اخوان انا
+
+313
+00:30:42,830 --> 00:30:47,940
+بنقول شغلفي التخريج لكل هذه .. تجمع في التخريج بين
+
+314
+00:30:47,940 --> 00:30:53,640
+كل هذه الإشكالات، فيها إنها إشكاليات خمسة أو عناصر
+
+315
+00:30:53,640 --> 00:30:57,000
+خمسة تعني عجبنا الله، يمكن أهم أنصر ممكن يحلها
+
+316
+00:30:57,000 --> 00:31:03,380
+كلها مسألة التوضيح قبل
+
+317
+00:31:03,380 --> 00:31:06,820
+التعاقد، توضيح عملية
+
+318
+00:31:08,700 --> 00:31:16,560
+المشاركة توضيح عملية تقسيم الأرباح توضيح عملية خلق
+
+319
+00:31:16,560 --> 00:31:22,000
+الأموال توضيح عملية الضمان كيف يتم كل ذلك إذا وضح
+
+320
+00:31:22,000 --> 00:31:30,720
+البنك لأصحاب الأموال كيف ستتم عملية هذه العملية
+
+321
+00:31:30,720 --> 00:31:35,290
+برمتهاوكيف ستتم عملية تقسيم الأرباح وما هو مقصده
+
+322
+00:31:35,290 --> 00:31:41,450
+بالضمان هذا سيحل نصف يعني الإشكالات وتبقى
+
+323
+00:31:41,450 --> 00:31:46,310
+الإشكالات الأخرى يعني حلها في التفاصيل التي سبق
+
+324
+00:31:46,310 --> 00:31:51,810
+ذكرهاولذلك ينبغي على البنك أن تكون أمور المضاربة
+
+325
+00:31:51,810 --> 00:31:57,990
+المشتركة موضحة كلها في مطوية أو نشرة أو disk أو
+
+326
+00:31:57,990 --> 00:32:02,990
+إلى غير ذلك إذا كان موضح لهم الشفائيين أن يقدم لهم
+
+327
+00:32:02,990 --> 00:32:07,670
+هذه التفاصيل قبل توقيع العقدهذه التفاصيل بتاعة
+
+328
+00:32:07,670 --> 00:32:11,270
+المشاركة الكاملة اقرأوها فإذا تم التوافق انتوا
+
+329
+00:32:11,270 --> 00:32:14,450
+مستعدين تكونوا متبرعين بجزء من الأرباح انتوا
+
+330
+00:32:14,450 --> 00:32:17,950
+مستعدين تكونوا بعملية خلق الأموال ممكن تكون احنا
+
+331
+00:32:17,950 --> 00:32:23,950
+عملية الضمان هي صورتها وهكذا بتكون بناء على هذا يا
+
+332
+00:32:23,950 --> 00:32:28,890
+اخوة قال العلماء بجواز المضاربة نعم بحال ضمان
+
+333
+00:32:28,890 --> 00:32:31,550
+التنك راسلنا ضمانا حقيقية
+
+334
+00:32:37,060 --> 00:32:42,440
+هو انا بتقولك لا يتم هذا نحن لا نفترض هنا مسألة
+
+335
+00:32:42,440 --> 00:32:49,920
+افتراضية هذه مثلا لأنه لا يقدم البنك على في
+
+336
+00:32:49,920 --> 00:32:54,300
+المضاربات المشتركة على ضمان حقيقي في المضاربة
+
+337
+00:32:54,300 --> 00:32:59,210
+العاديةلو .. لو كانت مضاربة عادية والبنك يا إخوة
+
+338
+00:32:59,210 --> 00:33:05,490
+يقوم بمضاربات عادية بالمناسبة البنك يقوم بمضاربات
+
+339
+00:33:05,490 --> 00:33:12,110
+عادية منفردة بينه كشخص وبينه يعني من ماله الخاص
+
+340
+00:33:12,110 --> 00:33:18,270
+وكمضاربين في هذه الحالة لو اشترطت يعني ال .. ال ..
+
+341
+00:33:18,270 --> 00:33:22,110
+ال .. طبعا هو .. هو صاحب المال في هذه الحالة بديه
+
+342
+00:33:22,110 --> 00:33:26,920
+يشترط على نفسه كيف يعني؟في هذه الحالة تفسد لو ..
+
+343
+00:33:26,920 --> 00:33:32,420
+لو المضارب يعني .. او .. اه لو هو .. هو اشترط انه
+
+344
+00:33:32,420 --> 00:33:35,340
+مايخسرش .. معناته مين اللي بديه يخسر؟ صاحب
+
+345
+00:33:35,340 --> 00:33:39,620
+المضارب؟ المضارب ما هو أساس انه ماعوش مال، يعني
+
+346
+00:33:39,620 --> 00:33:44,700
+هذا فرق .. الاحتمال هذا فراط جدلي، حقيقة، ليس إلا،
+
+347
+00:33:44,700 --> 00:33:49,900
+لأن في المضاربة العادية .. في المضاربة العادية هو
+
+348
+00:33:49,900 --> 00:33:57,070
+صاحب رأس المالخدت بالك؟ إذا في المضاربة المشتركة،
+
+349
+00:33:57,070 --> 00:34:01,870
+يعني هذا الفرض مش موجود، هذا الفرض لإن هو من
+
+350
+00:34:01,870 --> 00:34:06,050
+اللحظة الأولى يتم .. و لو .. ممكن السؤال يسأل كيف؟
+
+351
+00:34:06,050 --> 00:34:10,350
+لو من السنة الأولى، جاب المنهج في أول سنة، أول
+
+352
+00:34:10,350 --> 00:34:15,810
+غزاته كسروا عصاته، المثل بيقول، أول تجريله أو أول
+
+353
+00:34:15,810 --> 00:34:21,470
+سنة خسر كيف؟ هي تكون عملية الضمان بالفعل، هنا
+
+354
+00:34:21,470 --> 00:34:30,970
+السؤالأيوة هنا يتم الدفع من أمواله كدين لما يتم
+
+355
+00:34:30,970 --> 00:34:33,030
+الاقتطاع بعد ذلك بالأرباح
+
+356
+00:34:35,440 --> 00:34:38,520
+المشترك هو البنوك الغير إسلامية، يعني أنا نفس
+
+357
+00:34:38,520 --> 00:34:43,600
+الفكرة .. لا .. لا .. لا .. لا .. الحق كبير، اسمع،
+
+358
+00:34:43,600 --> 00:34:51,120
+هنا .. هنا مشاريع وصناعات وتجارة تتم بالفعل،
+
+359
+00:34:51,120 --> 00:34:56,140
+والأرباح مرتبطة بيها، بغض النظر إن في نسبة تقتطع
+
+360
+00:34:57,030 --> 00:35:01,270
+احتياطا للظروف الطارقة، لكن انت هتلاحظ ان نسبة
+
+361
+00:35:01,270 --> 00:35:05,510
+الربح في كل سنة تختلف عن اللتي قبلها، و ممكن تمر
+
+362
+00:35:05,510 --> 00:35:09,710
+مرات سنة مافيش ربح، لأن هو في خسارة بس تغطيها،
+
+363
+00:35:09,710 --> 00:35:12,910
+لأنه على الأقل مافيش ربح، هم بس من بعد انه مافيش
+
+364
+00:35:12,910 --> 00:35:15,830
+خسارة، السنة اللي مافيش فيها ربح، اعلم ان فيها
+
+365
+00:35:15,830 --> 00:35:23,950
+خسارةلكن في سنة هتلاقي نسبة الرباوي 20%، 25%، 5%،
+
+366
+00:35:23,950 --> 00:35:29,610
+7%، لكن هناك في البنك الرباوي لو كانت الأرباح إيش
+
+367
+00:35:29,610 --> 00:35:33,330
+ما كانت؟ هو طبعا هو لما بيعطي أو بياخد، بستثبر هذه
+
+368
+00:35:33,330 --> 00:35:38,270
+الأموال في مشاركات، لو بلغت أرباحه ألف فالمية، هل
+
+369
+00:35:38,270 --> 00:35:43,670
+ستأتي أنت تشاركهم في شيء؟ لأ، الفرق كبيرلكنية
+
+370
+00:35:43,670 --> 00:35:47,930
+المسألة قد تكون هناك لحد تقاطعك في أنه يعمل اكترخ
+
+371
+00:35:47,930 --> 00:35:49,910
+في اكترخ خاصة ماهي العكس يا دكتور مش هاي شرط لو
+
+372
+00:35:49,910 --> 00:35:54,590
+انك نبح حالة نسبة معينة و الباقي بيظل في الفان؟ لأ
+
+373
+00:35:54,590 --> 00:35:59,950
+العكس، العكوسة، هو يكترخ نسبة معينة و ليس له،
+
+374
+00:35:59,950 --> 00:36:05,730
+لصالح المشاركين، إذا حبيت طلتاللي بتتضرر فقط بعض
+
+375
+00:36:05,730 --> 00:36:09,570
+من ينسحبوا وهو في الصورة، بدهم يعتبر النقطة هذه
+
+376
+00:36:09,570 --> 00:36:14,590
+الـ5% أو اللي كان تبرر، لأنه هتسبب إشكاليات فيما
+
+377
+00:36:14,590 --> 00:36:19,390
+لو فتحنا البابلكن هم شركاءه، ستزيد نسبة ربح كل
+
+378
+00:36:19,390 --> 00:36:25,690
+واحد منهم، هدول صحيح أن البلد هيستفيد، لكن لأ،
+
+379
+00:36:25,690 --> 00:36:29,210
+واضح، الاختلاف كبير، لابد أن يكون واضح، أنا أعرف
+
+380
+00:36:29,210 --> 00:36:33,010
+هل ال .. اللي بيستثمر، ده اضطمان اللي كان يتصحى
+
+381
+00:36:33,010 --> 00:36:36,450
+مثلا، اللي كان يتصحى .. اللي بيتصحى بيبقى خلاص،
+
+382
+00:36:36,450 --> 00:36:39,930
+إذا كان دي ربح تحقق، أخد جزء من النقل .. أخد نقل
+
+383
+00:36:39,930 --> 00:36:45,230
+نسبته في الربح، والفرقفرقية الربح خلاص مالوش فيها
+
+384
+00:36:45,230 --> 00:36:52,450
+الفروق الاحتياطية تقصد؟ اه مالوش فيها مالوش فيها
+
+385
+00:36:52,450 --> 00:36:59,790
+خلاص هذه كتبرؤ له او يعني كشرب متفق عليهلحظة اخر
+
+386
+00:36:59,790 --> 00:37:04,850
+حاجة يا اخوة الان اللي هي ال .. ال .. ال .. ال ..
+
+387
+00:37:04,850 --> 00:37:09,170
+احنا بتحكي في المضاربة المشتركة في صورة من صور
+
+388
+00:37:09,170 --> 00:37:14,130
+المضاربة المشتركة تسمى بالمضاربة المنتهية بالتمليك
+
+389
+00:37:14,130 --> 00:37:22,150
+تماما احكي يعني هي .. هي تماما مثل معاملة المشاركة
+
+390
+00:37:22,150 --> 00:37:26,190
+المنتهية بالتمليك يعني هي مضاربة متناقصة الفرق
+
+391
+00:37:26,190 --> 00:37:30,900
+بينهم انتبهوا يا اخوةالفرق بين المضاربة، واحد يقول
+
+392
+00:37:30,900 --> 00:37:34,200
+لي مش المضاربة شركة، واحنا خدنا الشركة المنتهية
+
+393
+00:37:34,200 --> 00:37:38,240
+بالتمليك، ما الفرق بين الشركة أو المشاركة المنتهية
+
+394
+00:37:38,240 --> 00:37:43,880
+بالتمليك والمضاربة المنتهية بالتمليك؟ المضاربة
+
+395
+00:37:43,880 --> 00:37:49,780
+المنتهية بالتمليك كالمشاركة المنتهية بالتمليك في
+
+396
+00:37:49,780 --> 00:37:56,490
+كل الخطواتوفي كل الأهداف وغايات غير أنها تختلفوا
+
+397
+00:37:56,490 --> 00:38:02,750
+في نقطة أن المشاركة المنتهية بالتمليك يكون الشريك
+
+398
+00:38:02,750 --> 00:38:06,510
+من غير الطرف الثاني من ما سوى البنك يساهم بجزء من
+
+399
+00:38:06,510 --> 00:38:14,190
+المال، ولو الربع الخمس، السدسمشارك حقيقي، شريك،
+
+400
+00:38:14,190 --> 00:38:18,130
+شريك، يعني البنك، احنا قلنا، شوفنا، البنك بيساهم
+
+401
+00:38:18,130 --> 00:38:22,230
+المشروع 500 ألف، البنك بيساهم بـ400 ألف، والشريك
+
+402
+00:38:22,230 --> 00:38:27,910
+الآخر بيساهم 100 ألف على أن تقول إليه الشركة بعد
+
+403
+00:38:27,910 --> 00:38:32,150
+تسديد الـ400 ألف وأرباحها، لكن في المضاربة
+
+404
+00:38:32,150 --> 00:38:39,900
+المنتهية بالتمليك، لا يشاركوا بشيءولذلك يا اخوة
+
+405
+00:38:39,900 --> 00:38:47,140
+لكن المضاربة المنتهية بالتمليك تنقلب في العام
+
+406
+00:38:47,140 --> 00:38:51,020
+تنقلب
+
+407
+00:38:51,020 --> 00:39:01,570
+من أول دفعةيدفعها المضارب للبنك تسديدا طبعا لأموال
+
+408
+00:39:01,570 --> 00:39:07,250
+الشركة تنقلبه إلى مشاركة منتهية بالتمليك لتقول بعد
+
+409
+00:39:07,250 --> 00:39:13,530
+ذلك كله إليه وإلى بالكيته يعني المضاربة المشتركة
+
+410
+00:39:13,530 --> 00:39:19,750
+يا إخوة هي مضاربة متناقصة تماما لكن يدخل وليس كعمل
+
+411
+00:39:20,490 --> 00:39:27,430
+ك .. ك .. ك صاحب جودة و ليس يشاركوا بفلس واحد لكنه
+
+412
+00:39:27,430 --> 00:39:33,090
+يشترطوا او يتموا الاتفاق على ان يبدأ بتسديد من
+
+413
+00:39:33,090 --> 00:39:40,390
+الأرباح .. من الأرباح او من اي مصدر اخر بتسديد ثمن
+
+414
+00:39:40,390 --> 00:39:45,710
+او رأس مال الشركة للبنك في خلال خمس سنوات دفعة
+
+415
+00:39:45,710 --> 00:39:51,980
+واحدة او على دفعاتدفعة واحدة، إذا تمت على دفعات،
+
+416
+00:39:51,980 --> 00:39:56,520
+من أول دفعة يسمعوا شريكا، إذا تمت على دفعة واحدة،
+
+417
+00:39:56,520 --> 00:40:05,280
+يظلوا مبارفا إلى أخرى، إلى ما قبل عملية التسديد،
+
+418
+00:40:05,280 --> 00:40:10,380
+نعم. طب و برضه في المشاركة يقولون إن هو الـBank
+
+419
+00:40:10,380 --> 00:40:13,600
+اللي مشارك معهم، اللي هو المشارك ده؟
+
+420
+00:40:18,520 --> 00:40:21,780
+اللي هو المضارب يشاركوا بالعمل صحيح صحيح المضارب
+
+421
+00:40:21,780 --> 00:40:25,380
+نفسه .. هذه مختلفة أحسنت لأ أصل في المضارب أن لا
+
+422
+00:40:25,380 --> 00:40:33,280
+يشارك مدام يعني مدام المضارب مدام ليس شريكا حقيقيا
+
+423
+00:40:33,280 --> 00:40:37,120
+الأصل في المضارب يا أخوان المضارب له يعني الحق في
+
+424
+00:40:37,120 --> 00:40:43,090
+إدارة العمل بالكامل لكن بمجردما يصبحوا شريكا بعد
+
+425
+00:40:43,090 --> 00:40:49,650
+دفعه القصد الأول يصبحوا للحق .. هناك حق للبنك في
+
+426
+00:40:49,650 --> 00:40:53,530
+المشاركة في الإدارة والمتابعة طيب شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/_GEWnQ6KGRg.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/_GEWnQ6KGRg.srt
new file mode 100644
index 0000000000000000000000000000000000000000..a06a24a481f65c6bdb388e5c105a5ca698814cc4
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/_GEWnQ6KGRg.srt
@@ -0,0 +1,1339 @@
+1
+00:00:20,650 --> 00:00:23,970
+الله الرحمن الرحيم الحمد لله والصلاة والسلام على
+
+2
+00:00:23,970 --> 00:00:28,830
+رسول الله وعلى آله وصحبه ومن اقتدى بهديه واستنى
+
+3
+00:00:28,830 --> 00:00:38,310
+بسنته إلى يوم الدين. وبعد، لازال الحديث متواصلا حول
+
+4
+00:00:38,310 --> 00:00:48,410
+آراء العلماء المعاصرين في حكم التأمين التجاري، وكنا
+
+5
+00:00:48,410 --> 00:00:57,470
+في المرة الماضية قد تحدثنا عن أول من بيّن حكم
+
+6
+00:00:57,470 --> 00:01:04,250
+التأمين من العلماء وهو
+
+7
+00:01:04,250 --> 00:01:10,810
+محمد بن عبد الوهاب العلامة الحنفي، وذلك منذ نحو مئتي
+
+8
+00:01:10,810 --> 00:01:18,090
+عام، وذلك في أوائل الفترة التي وصل إليها التأمين
+
+9
+00:01:18,090 --> 00:01:24,490
+إلى بلاد المسلمين. وتعرفنا كذلك على سبب الخلاف
+
+10
+00:01:24,490 --> 00:01:27,830
+وعرفنا
+
+11
+00:01:27,830 --> 00:01:33,710
+أن التأمين، أنه قال بحرمة التأمين بناء على تلك
+
+12
+00:01:33,710 --> 00:01:41,330
+المعطيات التي كانت موجودة ومحيطة بعقد التأمين
+
+13
+00:01:41,330 --> 00:01:48,210
+ومنها أنه كان يعتبر من العقود
+
+14
+00:01:52,650 --> 00:01:59,230
+المبنية على إلزام ما لا يلزم، إضافة إلى اعتبارات
+
+15
+00:01:59,230 --> 00:02:07,930
+أخرى ذكرناها. ولكن بعد أن تطور عقد التأمين، أو تطورت
+
+16
+00:02:07,930 --> 00:02:14,010
+شروط عقد التأمين، وانتشرت، وتدخلت الدولة في وضع بنوده
+
+17
+00:02:14,010 --> 00:02:22,730
+وفي تحديد أقصاها، ودخلتها ضمن تشريعاتها، وصار هناك
+
+18
+00:02:22,730 --> 00:02:30,230
+نوع من العدل في الأقساط التي تدفع، وذلك من خلال
+
+19
+00:02:30,230 --> 00:02:36,690
+تدخل الدولة، وعدم ترك بنود التأمين للشركات المختلفة
+
+20
+00:02:36,690 --> 00:02:40,090
+لتضع ما تشاء، وكيف تشاء، والقدر الذي تشاء.
+
+21
+00:02:43,910 --> 00:02:50,330
+وبعد أن تغلغلت هذه العقود في مختلف مجالات الحياة،
+
+22
+00:02:50,330 --> 00:02:57,030
+وبعد أن ارتبطت مصالح الناس بها، وبعد أن أصبحت
+
+23
+00:02:57,030 --> 00:03:00,850
+الدولة تجبر المواطنين على التأمين في كثير من
+
+24
+00:03:00,850 --> 00:03:06,290
+المجالات، عُيد النظر من قبل العلماء المسلمين
+
+25
+00:03:06,290 --> 00:03:12,330
+المعاصرين في مسألة التأمين، حيث إن صورته أصبحت
+
+26
+00:03:12,330 --> 00:03:18,430
+مختلفة، ليست هي هي الصورة التي تحدث عنها ابن عبدين
+
+27
+00:03:18,430 --> 00:03:23,570
+وبيّن حكمها. أصبحت معطيات مختلفة، ونحن قلنا ونقول
+
+28
+00:03:23,570 --> 00:03:28,990
+دائما أنه عندما تتغير المعطيات وتختلف الظروف، يعني
+
+29
+00:03:28,990 --> 00:03:34,370
+قد يتغير الحكم، وهذا أمر طبيعي، ذلك أن القواعد
+
+30
+00:03:34,370 --> 00:03:39,510
+الشرائعية لا ينكر تغير الأحكام، لا ينكر تغير
+
+31
+00:03:39,510 --> 00:03:44,730
+الأحكام بتغير الظروف والعادات والأعراف، شيء طبيعي،
+
+32
+00:03:44,730 --> 00:03:48,470
+الإسلام يراعي المتغيرات، الإسلام دين الواقعية أيها
+
+33
+00:03:48,470 --> 00:03:53,490
+الأخوة الكرام، يراعي المتغيرات ويرأى الظروف ويرأى
+
+34
+00:03:53,490 --> 00:03:59,650
+الأسباب المحيطة بكل قضية من القضايا، فلا يضع الحكم
+
+35
+00:03:59,650 --> 00:04:05,370
+بناء على اسم المشكلة أو اسم قضية أو اسم معاملة، بل
+
+36
+00:04:05,370 --> 00:04:11,630
+بناء على حقيقة هذه المعاملة ومضمونها وما يحيطها من
+
+37
+00:04:11,630 --> 00:04:20,110
+ملابسات وما يترتب عليها من نتائج، من نتائج سواء كانت
+
+38
+00:04:20,110 --> 00:04:26,880
+نتائج مصلحية أو نتائج فاسدة. عند طرحها، كما قلت، عند
+
+39
+00:04:26,880 --> 00:04:32,040
+طرحها من جديد بعد تغير كل هذه المعطيات، وجدنا أن
+
+40
+00:04:32,040 --> 00:04:37,480
+العلماء اختلفوا على ثلاثة أقوال أو على ثلاثة آراء.
+
+41
+00:04:37,480 --> 00:04:44,300
+فريق ظل متابعًا لعلامة ابن عبدين في القول بحرمة
+
+42
+00:04:44,300 --> 00:04:50,320
+ولم يرَ أن تلك المعطيات المستجدة يعني تصلح لتغير
+
+43
+00:04:50,320 --> 00:04:56,090
+الحكم. هو يقارب، وجود الكل يقارب وجود معطيات جديدة، ولكن
+
+44
+00:04:56,090 --> 00:05:01,350
+هل ترقى هذه المعطيات إلى درجة تغيير الحكم؟ الفريق
+
+45
+00:05:01,350 --> 00:05:07,190
+الأول، وهو فريق،  من علماء المسلمين المعاصرين
+
+46
+00:05:07,190 --> 00:05:13,830
+قال: لا ترقى، وأبقى حكم التحريم للتأمين التجاري على
+
+47
+00:05:13,830 --> 00:05:23,130
+ما هو. فريق آخر وجد أن هذه المتغيرات، هذه المعطيات
+
+48
+00:05:23,130 --> 00:05:31,430
+تصبح، أن تكون سببًا لتغيير الحكم، وبناء على أدلة أخرى
+
+49
+00:05:31,430 --> 00:05:37,840
+وجدها، فقال بأن التأمين التجاري اليوم أصبح جائزًا، بعد
+
+50
+00:05:37,840 --> 00:05:44,280
+تغير كل هذه المعطيات والملابسات والنتائج والمصالح
+
+51
+00:05:44,280 --> 00:05:49,040
+وإلى غير ذلك. الصورة تغيرت، فلم لا يتغير الحكم؟
+
+52
+00:05:49,040 --> 00:05:53,840
+الصورة تغيرت بما يحقق المصالح، الصورة تغيرت بما
+
+53
+00:05:53,840 --> 00:05:59,460
+ينفي المفاسد، الصورة تغيرت بما يدفع كل أسباب
+
+54
+00:05:59,460 --> 00:06:05,470
+التحريم في نظرهم، أو معظم أسباب التحريم. ومنهم، كما
+
+55
+00:06:05,470 --> 00:06:12,430
+قلنا، فريق ثالث، يعني فصل بين صورة وصورة، أو صور وصور.
+
+56
+00:06:12,430 --> 00:06:19,610
+فرأى أن بعض الصور على التحريم، وبعضها جائزة في
+
+57
+00:06:19,610 --> 00:06:27,830
+التعامل. الآن نقف عند أدلة القائلين بالتحريم، وهم
+
+58
+00:06:27,830 --> 00:06:33,940
+الجمهور. ويمكن، يا إخوة، نحن من خلال ما سبق من حديثنا
+
+59
+00:06:33,940 --> 00:06:40,900
+عن الخصائص والعناصر وبعض الجوانب هنا وهناك، ربما
+
+60
+00:06:40,900 --> 00:06:46,620
+أشرنا إلى بعض هذه الأدلة، لكن هنا نحاول يعني
+
+61
+00:06:46,620 --> 00:06:50,960
+التركيز عليها، وتسليط الضوء عليها بشكل أدق وأكبر.
+
+62
+00:06:50,960 --> 00:06:55,660
+استدلوا، أيها الأخوة، بمجموعة من الأدلة.
+
+63
+00:06:58,290 --> 00:07:03,430
+دعوني أقول أمامكم في الكتاب أربعة أدلة، ويمكن أن
+
+64
+00:07:03,430 --> 00:07:09,370
+نضيف عليها أربعة أخرى، لكن ربما ما هو موجود عندكم
+
+65
+00:07:09,370 --> 00:07:15,990
+في الكتاب هي الأدلة الرئيسية، وربما قلت قبل ذلك أن
+
+66
+00:07:15,990 --> 00:07:19,850
+حشد هذه الأدلة سواء في الكتاب أو في غير الكتاب
+
+67
+00:07:19,850 --> 00:07:26,810
+إنما يدلّ على أن الدليل الواحد لم يكن كافيًا، وإنما
+
+68
+00:07:26,810 --> 00:07:32,490
+كل دليل يقوي الدليل الآخر، والنتيجة التي توصلوا
+
+69
+00:07:32,490 --> 00:07:37,710
+إليها من التحريم هي بمجموعة هذه الأدلة، وليس بواحد
+
+70
+00:07:37,710 --> 00:07:42,290
+منها، وليس بواحد منها. ذلك أن كل دليل من هذه الأدلة
+
+71
+00:07:42,290 --> 00:07:48,370
+قد يقبل للمناقشة، أو دلالته ليس دلالة قاطعة لما
+
+72
+00:07:48,370 --> 00:07:54,460
+قالوا. لكن مجموعة هذه الأدلة جعلت لديهم اطمئنانًا على
+
+73
+00:07:54,460 --> 00:08:00,620
+القول الذي قالوا به، والرأي الذي استقروا عليه.
+
+74
+00:08:01,750 --> 00:08:09,750
+الدليل الأول الذي قالوا به، أو الذي استندوا إليه هو
+
+75
+00:08:09,750 --> 00:08:18,230
+أن هذا العقد يجتمل الغرر والخداع.
+
+76
+00:08:18,230 --> 00:08:24,350
+على الغرر والخداع، وهذا مفسد للعقد أيها الأخوة.
+
+77
+00:08:24,350 --> 00:08:31,240
+الغرر، الغرر مفسد للعقود، لأنه نهى صلى الله عليه وسلم عن
+
+78
+00:08:31,240 --> 00:08:37,240
+بيوع الغرر، الغرر الذي هو بيع الأشياء الاحتمالية،
+
+79
+00:08:37,240 --> 00:08:44,560
+الغرر أن يكون هناك... أن تكون هناك يعني النتائج
+
+80
+00:08:44,560 --> 00:08:45,820
+مستورة العاقبة.
+
+81
+00:08:48,840 --> 00:08:54,220
+الغرر أن تبيع أو أن تعاقد على شيء قد يحدث وقد لا
+
+82
+00:08:54,220 --> 00:09:00,020
+يحدث. هذا هو الغرر، ولعل
+
+83
+00:09:00,020 --> 00:09:04,380
+هذه الصورة، هذا المعنى في الغرر موجود بجلاء، قالوا
+
+84
+00:09:04,380 --> 00:09:08,360
+هم، قالوا موجود بجلاء وبصورة واضحة أين؟ في موضوع
+
+85
+00:09:08,360 --> 00:09:13,190
+التأمين، أو في عقد التأمين التجاري.  صلّقنا الضوء على
+
+86
+00:09:13,190 --> 00:09:20,520
+هذا الجانب كثيرًا، حيث قلنا إنه في عقد التأمين الغرر
+
+87
+00:09:20,520 --> 00:09:26,260
+واضح، من حيث إن العاقدين
+
+88
+00:09:26,260 --> 00:09:32,100
+المؤمن والمؤمن له يتعاقدان على شيء قد يقع وقد لا
+
+89
+00:09:32,100 --> 00:09:38,680
+يقع، وهو الحادث، وهو الخطر، وهو الضرر الذي يتكفل أو
+
+90
+00:09:38,680 --> 00:09:44,660
+يتعهد المؤمن بتعويضه. أليس هذا الأمر قد يقع وقد لا
+
+91
+00:09:44,660 --> 00:09:51,380
+يقع؟ وإن وقع قد يبلغ تقديره مبلغًا طائلًا وكبيرًا
+
+92
+00:09:51,380 --> 00:09:56,180
+وقد يكون قليلًا. إذن الغرر حتى من عدة جوانب، الغرر
+
+93
+00:09:56,180 --> 00:10:03,480
+في أصل الوجود وفي... والوقوع وفي تقدير الضرر. مش
+
+94
+00:10:03,480 --> 00:10:08,560
+عارفين هو هيقع ولا مش هيقع، وإذا وقع مش عارفين
+
+95
+00:10:08,560 --> 00:10:12,900
+هيبلغ مئة ألف دولار ولا عشرة آلاف ولا خمسة آلاف.
+
+96
+00:10:12,900 --> 00:10:19,760
+فالغرر يعني يحيط بعقد التأمين من كل الجوانب، وهو
+
+97
+00:10:19,760 --> 00:10:26,960
+غرر فاحش، غرر كبير. لأنه قد يقال إن الشريعة قد اغتفرت
+
+98
+00:10:26,960 --> 00:10:31,740
+الغرر اليسير. نعم، الشريعة اغتفرت الغرر اليسير عندما
+
+99
+00:10:31,740 --> 00:10:35,300
+يكون غرر يسير، أو احتمالات بسيطة. يعني نحن عندما
+
+100
+00:10:35,300 --> 00:10:41,710
+نشتري البطيخ مثلًا، نحن نجهل ما فيه في الغالب، لكنما
+
+101
+00:10:41,710 --> 00:10:48,090
+بين كل مائة واحدة مثلًا تخرج بيضاء، أو يعني، فهذا غرر
+
+102
+00:10:48,090 --> 00:10:53,270
+المغتفر، خاصةً أننا لو أردنا أن نشتري البطيخ بغير
+
+103
+00:10:53,270 --> 00:10:58,210
+هذه الطريقة، لكانت المفسدة أعظم، لكانت المفسدة أعظم.
+
+104
+00:10:58,210 --> 00:11:05,570
+وهكذا، يعني هناك مراعاة. أحيانًا أنت تشتري كومة من
+
+105
+00:11:05,570 --> 00:11:10,730
+القمح بالكيلو، تقدرها أنت بعشرة أرطال، ربما تكون
+
+106
+00:11:10,730 --> 00:11:16,470
+اثني عشر رطلًا، لكن يعني هذا غرر مغتفر بسيط، إلى غير
+
+107
+00:11:16,470 --> 00:11:22,450
+ذلك من أنواع الغرر التي يعني قد تحدث، لكن هذا غرر
+
+108
+00:11:22,450 --> 00:11:28,050
+كبير، غرر فاحش، أشبه كما قلنا ببيع السمك في الماء
+
+109
+00:11:28,050 --> 00:11:33,620
+والطير في الهواء، الذي يعني الاحتمالات fifty fifty
+
+110
+00:11:33,620 --> 00:11:36,280
+يعني خمسين في المئة وخمسين في المئة احتمالات
+
+111
+00:11:36,280 --> 00:11:41,640
+الوجود والعدم، أو حتى أكثر من ذلك، يعني فالاحتمالات
+
+112
+00:11:41,640 --> 00:11:48,060
+مفتوحة على الغارب، وليس هناك... لذلك قالوا إن هذا
+
+113
+00:11:48,060 --> 00:11:53,760
+أكبر دليل وأهم دليل لدينا على القول بالتحريم، مادام
+
+114
+00:11:53,760 --> 00:11:57,220
+رسول الله صلى الله عليه وسلم نهانا عن بيوع الغرر،
+
+115
+00:11:57,370 --> 00:12:02,330
+وعقد الغرر هو هذا منها، فيكون عقده محرّمًا، يعني
+
+116
+00:12:02,330 --> 00:12:10,570
+عقد التأمين من العقود المحرمة. ثانيًا، يعني، لحظة، هاي
+
+117
+00:12:10,570 --> 00:12:17,520
+واحد اثنين. عقد التأمين يجتمل على الربا بأنواعه.  هو
+
+118
+00:12:17,520 --> 00:12:21,760
+فيه أنواع للربا، آه، فيه نوعين رئيسيين، يا
+
+119
+00:12:21,760 --> 00:12:27,000
+إخوة، ربا الفضل وربا النسيئة.  ممكن أنتم تعرفون هذا
+
+120
+00:12:27,000 --> 00:12:31,040
+الكلام، أنتم يعني أهل التجارة أكيد عارفين ربا
+
+121
+00:12:31,040 --> 00:12:38,080
+الفضل، وهي طبعًا الربا في أنواع معينة من البضائع أو
+
+122
+00:12:38,080 --> 00:12:42,940
+من السلع. الربا، لا يكون، الربا أصلاً معناه الزيادة
+
+123
+00:12:42,940 --> 00:12:49,890
+لكن هنا الربا يُمنع في أنواع معينة من السلع التي
+
+124
+00:12:49,890 --> 00:12:53,650
+هي الستة أنواع، الستة أنواع التي نهى رسول الله صلى الله
+
+125
+00:12:53,650 --> 00:12:58,610
+عليه وسلم عن البيع فيها إلا بشرط، منها التماثل
+
+126
+00:13:01,480 --> 00:13:07,120
+ومنها الفورية أو التقابض. التقابض التي هي الذهب
+
+127
+00:13:07,120 --> 00:13:10,920
+بالذهب، والفضة بالفضة، والقمح بالقمح، والشعير
+
+128
+00:13:10,920 --> 00:13:13,880
+بالشعير، والتمر بالتمر، والملح بالملح. هذه ستة
+
+129
+00:13:13,880 --> 00:13:20,160
+وأمثالها، على كل الأحوال. أين... أين
+
+130
+00:13:20,160 --> 00:13:25,860
+الربا هنا ووجهه هنا؟ ما موضوع الربا؟  جاء الربا ومش أي...
+
+131
+00:13:25,860 --> 00:13:32,380
+كما قلت، مش أي ربا، بل كل أنواع الربا، ربا
+
+132
+00:13:32,380 --> 00:13:37,140
+الفضل وربا النسيئة. ربا الفضل يا إخوة يتمثل في أنَّا
+
+133
+00:13:37,880 --> 00:13:43,660
+ما يُدفع، طبعًا ابتداءً، يا إخوة، المعاملة الرباوية كيف
+
+134
+00:13:43,660 --> 00:13:48,940
+تكون المعاملة الرباوية أو تتعلق بأموال ربوية، حيث
+
+135
+00:13:48,940 --> 00:13:55,340
+إنها متعلقة بالنقد، متعلقة بالنقد. أنت لو بدك تشتري
+
+136
+00:13:55,340 --> 00:14:02,800
+يعني خليني أقول رطل سكر ب... خليني ب... ب... ب...
+
+137
+00:14:02,800 --> 00:14:10,490
+بقطعة صابون، لأ، بسمع أنه هجري. السكر قد يفوق قطعة
+
+138
+00:14:10,490 --> 00:14:14,290
+الصابون وزنًا بأضعاف مضاعفة، أو بقطعتين أو بثلاث.
+
+139
+00:14:14,290 --> 00:14:19,600
+فيه تفاضل، مش مشكلة، لأنه مش من الربويات، مش من
+
+140
+00:14:19,600 --> 00:14:26,420
+الربويات. وكذلك حتى
+
+141
+00:14:26,420 --> 00:14:30,000
+لو كان من جنس واحد، الذي يعني لو أنت بعت صابون
+
+142
+00:14:30,000 --> 00:14:36,820
+بصابون، متفاضلًا، يجوز ذلك. لكن الشرط أن ذا يكون من
+
+143
+00:14:36,820 --> 00:14:43,140
+غير الربويات، يعني فلا يجوز أن تبيع يعني عشر جرامات ذهب
+
+144
+00:14:43,140 --> 00:14:53,020
+مثلًا، ذهب صيني بتسع جرامات ذهب هندي، لا يجوز، لأنه
+
+145
+00:14:53,020 --> 00:14:58,700
+فيه تفاضل. الذهب بالذهب لابد من التماثل، بيع يا سيدي
+
+146
+00:14:58,700 --> 00:15:02,340
+بدكم تبدلوا الذهب بذهب، تتبايعوا ماشي الحال، لكن
+
+147
+00:15:02,340 --> 00:15:07,900
+في شروط، أولها التماثل، وثانيها التقابض الفوري.
+
+148
+00:15:07,900 --> 00:15:14,790
+المال، أيها الأخوة، النقود، النقد في حكم الذهب أو
+
+149
+00:15:14,790 --> 00:15:19,690
+ينسحب عليه حكم الذهب، لأنه اليوم، لأن أصل الذهب يا
+
+150
+00:15:19,690 --> 00:15:25,750
+إخوة هو العملة، الذهب هو أصل العملات التي يتم بها
+
+151
+00:15:25,750 --> 00:15:31,530
+التقابض، وما النقود الورقية إلا بديل عن الذهب، بدليل
+
+152
+00:15:31,530 --> 00:15:38,140
+إن إصدارات النقود إنما تكون مرهونة بالرصيد الموجود
+
+153
+00:15:38,140 --> 00:15:42,040
+لدى الدولة من الذهب، أو بالقوة الاقتصادية والشرائية
+
+154
+00:15:42,040 --> 00:15:47,160
+لدى الدولة. فالاوراق، هي حقيقة، يعني قيمتها ليس من
+
+155
+00:15:47,160 --> 00:15:53,000
+ذاتها، وإنما من الرصيد الموجود لدى الدولة، والقوة
+
+156
+00:15:53,000 --> 00:15:57,140
+الشرائية التي تمكن بها الدولة. فهذا يأخذ حكم الذهب
+
+157
+00:15:58,430 --> 00:16:02,710
+أو حكم الربويات. الآن هذه الأموال، أليس... نعود إلى
+
+158
+00:16:02,710 --> 00:16:09,570
+موضوع التأمين، أليس... أليس... أليس عقد التأمين في
+
+159
+00:16:09,570 --> 00:16:15,990
+الثمن والمثمن هو حقيقته بيع مال بمال. أنت تدفع
+
+160
+00:16:15,990 --> 00:16:20,890
+أقساطًا مالية، بظبط، اللي هي، اللي هي يدفعها المؤمن له في
+
+161
+00:16:20,890 --> 00:16:26,790
+عناصر التامين، شفناها على أنهم توقع الخطر، يأخذوا
+
+162
+00:16:26,790 --> 00:16:31,810
+مبلغًا من المال. مش إحنا نقول مبلغ مال وقسط تأمين؟
+
+163
+00:16:31,810 --> 00:16:36,530
+مش هذول العنصرين الرئيسيين؟ مبلغ مالي وقسط التأمين،
+
+164
+00:16:36,530 --> 00:16:40,830
+كلاهما مبلغ مالي، لكن دا كمبلغ التأمين يدفعه
+
+165
+00:16:40,830 --> 00:16:46,270
+المؤمن عند وقوع الخطر، وقسط التأمين يدفعه المؤمن له
+
+166
+00:16:46,270 --> 00:16:51,290
+عند بداية التعاقد.  ريب، الآن انظروا، أين الواحد يقول
+
+167
+00:16:51,290 --> 00:16:57,170
+أين الربا؟ الربا في الجانبين، ربا الفضل وربا النسيئة.
+
+168
+00:16:57,170 --> 00:17:01,790
+ربا الفضل غالبًا يا إخوة، الأقساط التي يدفعها
+
+169
+00:17:01,790 --> 00:17:03,890
+المؤمن له
+
+170
+00:17:07,620 --> 00:17:14,160
+أ
+
+223
+00:22:12,680 --> 00:22:18,860
+على بشاعة وشناعة جريمة القمار إنما الخمر والميسر
+
+224
+00:22:21,630 --> 00:22:28,990
+الخمر والميسر والإسلام والشرك بالله يعني قرن
+
+225
+00:22:28,990 --> 00:22:36,900
+القمار بأعظم الجرائم يعني الشرك هو كفُروشرب الخمر
+
+226
+00:22:36,900 --> 00:22:42,480
+أم الخبائث يأتي بينها إيش؟ القمار إنما.. إنما
+
+227
+00:22:42,480 --> 00:22:47,560
+الخمر والميسر والإسلام ونصابه رجسٌ من عمل
+
+228
+00:22:47,560 --> 00:22:52,600
+الشيطان يدلّ على أن مسألة القمار مرفوضة جريمةٌ أو
+
+229
+00:22:52,600 --> 00:23:02,500
+مسألة شرب الخمر مسألة خطيرة وجريمة كبيرة ومحرمة
+
+230
+00:23:02,500 --> 00:23:04,120
+بنص القرآن الكريم
+
+231
+00:23:08,270 --> 00:23:15,330
+والتأمين فيه معنى القمار وإن لم يكن بنفس الصورة
+
+232
+00:23:15,330 --> 00:23:21,050
+مباشرةً، لكن فيه معنى القمار من حيث إنه يقع على حدث
+
+233
+00:23:21,050 --> 00:23:27,070
+احتماليّ، زي القمار يقع على حدث احتماليّ، ضرب، ضرب
+
+234
+00:23:27,070 --> 00:23:28,430
+بالغيب، ضرب بالنّجوم
+
+235
+00:23:33,400 --> 00:23:38,960
+الدليل الثاني/الرابع قال لك هو تحدٍّ فيه معنى التحدي
+
+236
+00:23:38,960 --> 00:23:44,340
+للقدر الإلهي، إحنا كنا يا إخوة إن شركات التأمين
+
+237
+00:23:44,340 --> 00:23:53,400
+تقوم قبل تقديرها للاقتصاد وقبل وضعها للبنود بعمل
+
+238
+00:23:53,400 --> 00:23:54,420
+إحصائيات
+
+239
+00:23:57,680 --> 00:24:05,040
+و فحوصات، وخاصةً أكثر ما يتضح في التأمين على الحياة
+
+240
+00:24:05,040 --> 00:24:10,560
+التأمين على الحياة اللي هو أنت يعني عند الوفاة
+
+241
+00:24:10,560 --> 00:24:14,940
+تدفع إلى لحظة الوفاة مبالغ معينة، على أن بعد
+
+242
+00:24:14,940 --> 00:24:20,980
+الوفاة نُعطيكَ مرتباً أو لأهلك كذا، أو تدفع إلى حالة
+
+243
+00:24:20,980 --> 00:24:28,590
+أن تصبح ستين عاماً، على أنه متى بلغت الـ 60 نبدأ عملية
+
+244
+00:24:28,590 --> 00:24:35,030
+الدفع، وهذا قبل ما يتم الاتفاق، شركات التأمين تقوم
+
+245
+00:24:35,030 --> 00:24:39,190
+بعمليات تقدير
+
+246
+00:24:39,190 --> 00:24:45,120
+ودراسة أشبه بالتنبؤ، أشبه بالتنبؤ بتقدير الأعمار،
+
+247
+00:24:45,120 --> 00:24:47,880
+هذا ممكن يقول إيش كذا، وهذا ممكن يقول إيش كذا، و
+
+248
+00:24:47,880 --> 00:24:51,340
+هذا ممكن يموت بعد عشر سنين، فهم صاروا في تدخل
+
+249
+00:24:51,340 --> 00:24:58,680
+حقيقي في منازعة لخصوصيات رب العالمين، الحياة
+
+250
+00:24:58,680 --> 00:25:02,700
+والموت بيد الله سبحانه وتعالى، حتى المرض والحوادث
+
+251
+00:25:02,700 --> 00:25:07,020
+وكل ذلك، هذه مرهونة بيد الله، وهم حتى التقديرات
+
+252
+00:25:07,020 --> 00:25:10,680
+تقديرات الحوادث حتى، مش الموت والحياة تخضع للأرواح
+
+253
+00:25:10,680 --> 00:25:14,960
+من القادم، السابقة، جدّاش حصل، فهم بيجدرُوا عليه، طب
+
+254
+00:25:14,960 --> 00:25:19,000
+الله علم السنة كيف تصير، أنت عارف، بآمن، يمكن الكوارث
+
+255
+00:25:19,000 --> 00:25:26,220
+تزيد، فهي تخطئ لشيء من التنبؤات التي لا علم لأحد بها
+
+256
+00:25:26,220 --> 00:25:29,340
+إلا الله، وما يعلم الغيب إلا الله، فهي نوع من
+
+257
+00:25:29,340 --> 00:25:34,440
+التدخل في القدر الإلهي، والاعتماد على الماديات
+
+258
+00:25:34,440 --> 00:25:40,870
+فلذلك يعني اعتبروها من باب التحريم، إضافة إلى هذا،
+
+259
+00:25:40,870 --> 00:25:44,610
+هناك يعني أيضاً ممكن أن نضيف بعض الأدلة الأخرى
+
+260
+00:25:44,610 --> 00:25:49,850
+بسرعة، أنها الإلزام كما ذكر ابن عبدي، إلزام ما لا
+
+261
+00:25:49,850 --> 00:25:56,950
+يلزم، إلزام شركة التأمين بدفع تعويض لمن لم تتسبب
+
+262
+00:25:56,950 --> 00:26:03,990
+له في التلف، هي اللي قَومَت الحدث، هي اللي موتتك،
+
+263
+00:26:03,990 --> 00:26:08,390
+هي اللي ضربتك، هي اللي أصابتك، الأصل إن المتسبب
+
+264
+00:26:08,390 --> 00:26:16,450
+بالضرر هو الأولى بالتعويض، الآن شركة التأمين رأيت ما
+
+265
+00:26:16,450 --> 00:26:19,930
+في الأمر أنها تعهدت من الأمر، لكن هل تسببت؟ لم
+
+266
+00:26:19,930 --> 00:26:24,670
+تتسبب، ولذلك الأصل قال لا تلتزم، الأصل فيه معايير
+
+267
+00:26:24,670 --> 00:26:30,090
+للالتزام، فهو التأمين
+
+268
+00:26:30,090 --> 00:26:39,410
+فيه إلزام لشخص بتعويض مال لا يلزمه شرعاً، طيب شيء
+
+269
+00:26:39,410 --> 00:26:47,260
+آخر، هو نوع من بيع الأمن، بيع الأمن والأمان، بيع الأمن
+
+270
+00:26:47,260 --> 00:26:54,000
+والأمان، والأمن والأمان لا يُباع، الأمن والأمان أمر
+
+271
+00:26:54,000 --> 00:26:59,840
+يعني معنويّ لا يُباع ولا يُشترى، الأمن يتحقق بالإيمان
+
+272
+00:26:59,840 --> 00:27:05,000
+بالله سبحانه وتعالى، على كل حال هذا ما قالوه، كلها
+
+273
+00:27:05,000 --> 00:27:08,180
+يعني حزمة من الأدلة
+
+274
+00:27:09,740 --> 00:27:17,460
+كذلك هو بيع دينٍ بدين، بيع دين أو كما يسمى، كما ورد
+
+275
+00:27:17,460 --> 00:27:22,560
+في الحديث، بيع كالقٍ بكالق، نوع أو صورة من صورة بيع
+
+276
+00:27:22,560 --> 00:27:26,160
+الكالق بالكالق، أو نوع، رسول الله صلى الله عليه وسلم
+
+277
+00:27:26,160 --> 00:27:31,680
+عن بيع الكالق بالكالق، وهو بيع الدين بالدين، جاك
+
+278
+00:27:31,680 --> 00:27:38,210
+التأمين هو صورة من صورة بيع الدين بالدين، كيف أنت
+
+279
+00:27:38,210 --> 00:27:42,210
+بتدفع قسطاً ويبقى عليكَ قسط؟ إن أنا عليك دينٌ، ولا
+
+280
+00:27:42,210 --> 00:27:47,910
+أنا عليك عجب؟ مقابل ماذا؟ البديل المعقود عليه اللي
+
+281
+00:27:47,910 --> 00:27:54,070
+هو مبلغ التأمين اللي يتعهد به المؤمّن حال وقوع
+
+282
+00:27:54,070 --> 00:27:58,650
+الخطر، إذا هو داينك في ذمته، إذا وقع الخطر ولا لا،
+
+283
+00:27:58,650 --> 00:28:02,550
+داينك في ذمته، صار إيش؟ دينٌ مقابل دين، وهو منهيّ
+
+284
+00:28:02,550 --> 00:28:06,250
+عنه، هذا يا إخوة، هذه الطريقة يعني تروح أنت تبدأ
+
+285
+00:28:06,250 --> 00:28:13,400
+تشتري شغلة، لا أنت تدفع فلوس، ولا أنت تستلم البدل، أيّ
+
+286
+00:28:13,400 --> 00:28:18,600
+بيعين، هذا إذا مدام أنت ماعندكش فلوس أو مابدكش تدفع
+
+287
+00:28:18,600 --> 00:28:23,260
+فلوس، والطرف الآخر البضاعة مش جاهزة أو مابدوش
+
+288
+00:28:23,260 --> 00:28:26,420
+يُسلمك البضاعة دلوقتِ، إذا أجل موضوع البيع بالمرة
+
+289
+00:28:26,420 --> 00:28:30,980
+أجل العقد ليوم تتوفر الفلوس أو يوم تتوفر البضاعة
+
+290
+00:28:30,980 --> 00:28:38,500
+أو أحدهما على الأقل، أما لا هذا ولا ذاك، لا يجوز، نهى
+
+291
+00:28:38,500 --> 00:28:41,660
+رسول الله صلى الله عليه وسلم لإمكان التغيير
+
+292
+00:28:41,660 --> 00:28:45,500
+والتبديل ولغير ذلك، لكن الرسول صلى الله عليه وسلم
+
+293
+00:28:45,500 --> 00:28:49,320
+سمح في بعض الحالات ببيع السلم، اللي هو بيع شيء
+
+294
+00:28:49,320 --> 00:28:54,580
+موصوف بالذمة وشرطه تعجيل أُجل الثمن، تدفع الثمن على
+
+295
+00:28:54,580 --> 00:29:00,080
+أنه يعني بعد شهر، المصنع صنع لك مثلاً ألف قطعة فلانية
+
+296
+00:29:00,080 --> 00:29:06,500
+ويسلمك، يعني ما عليك، يعني شبيه، شبيه بالاستصناع، لأ
+
+297
+00:29:06,500 --> 00:29:12,220
+مختلف، يعني الاستصناع زي عقد مقاولة، بس السلم تعريفه
+
+298
+00:29:12,220 --> 00:29:16,360
+بيع شيء موصوف في الذمة، قد يدخل فيه الاستصناع، نعم
+
+299
+00:29:16,360 --> 00:29:21,380
+أنت ممكن موسم الزيتون، أجل موسم الزيتون بشهرين ثلاثة
+
+300
+00:29:21,380 --> 00:29:29,370
+تقول تبع بدي أنا ألف تنكة، طبعاً في الغالب بيكون
+
+301
+00:29:29,370 --> 00:29:33,550
+بيبقى السلم الثمن أرخص شوية، لإنه هدّاك بده فلوس
+
+302
+00:29:33,550 --> 00:29:38,410
+بده يرشّ الشجر، بده مش عارف إيه، بده يشتري بواغة، بده
+
+303
+00:29:38,410 --> 00:29:42,390
+كذا، فهو بي... بي... بيعني، بينام بالاستثمار المال
+
+304
+00:29:44,440 --> 00:29:49,980
+ولابد أن يكون المبيع موصوفاً ووصفاً دقيقاً حتى لا يتم
+
+305
+00:29:49,980 --> 00:29:56,580
+الاختلاف، بدي زيت صويا أو بدي زيت K18 أو بدي صابون
+
+306
+00:29:56,580 --> 00:30:01,600
+كذا، يعني وها كده من أنواع ومواصفات ومقاييس وأوزان
+
+307
+00:30:01,600 --> 00:30:07,390
+ومكيل محددة حتى لا يحدث هناك اختلاف، لكن الأصل
+
+308
+00:30:07,390 --> 00:30:11,730
+الحقيقي أن يكون البيع والمبيع، الأصل أن يكون حاضر
+
+309
+00:30:11,730 --> 00:30:16,410
+وموجود ومعلوم، لكن يُستغنى عن ذلك بأن يكون موصوفاً في
+
+310
+00:30:16,410 --> 00:30:19,850
+الذمة، زي المباني اللي بنشوفها على الخرائط وكذا
+
+311
+00:30:19,850 --> 00:30:26,210
+ممكن تدخل في هذا الموضوع، على كل الأحوال، إذا آخر
+
+312
+00:30:26,210 --> 00:30:33,370
+دليل، يمكن أن ينضاف إلى هذه الأدلة هو ما يترتب على
+
+313
+00:30:33,370 --> 00:30:41,070
+عقد التأمين من مفاسد،
+
+314
+00:30:41,070 --> 00:30:49,970
+مفاسد متعلقة بالتزوير، مفاسد متعلقة بإتلاف البضائع
+
+315
+00:30:50,630 --> 00:30:57,190
+مفاسد متعلقة بالتجسس والتخابر وإلى غير ذلك، انظروا
+
+316
+00:30:57,190 --> 00:31:02,970
+أنا أذكر بعض الأمثلة وأنهي الآن، واحد صاحب مصنع
+
+317
+00:31:02,970 --> 00:31:09,890
+بدفع تأمين سنتين ثلاث أربع، ويعني ضاق من قدر
+
+318
+00:31:09,890 --> 00:31:15,330
+ما يدفع ولازم يدفع، فهو بده شوية يعني بديل، فراح إيش
+
+319
+00:31:16,650 --> 00:31:21,150
+فرّغ المصنع من المكان ومش عارف إيش وحط شوية رعبش فيه
+
+320
+00:31:21,150 --> 00:31:25,130
+وأولع، وحرّج حرج
+
+321
+00:31:25,130 --> 00:31:32,050
+وقال إنه بلغ شركة التأمين، أنا عملت بضاعة، مكان كله
+
+322
+00:31:32,050 --> 00:31:37,370
+خرب أو بضاعتي، وممكن يكون متجر، مصنع، متجر، شركة، أيّ
+
+323
+00:31:37,370 --> 00:31:45,340
+حاجة وهو مأمن، أو راح اتفاق باعها بثمن أرخص، وبعدين
+
+324
+00:31:45,340 --> 00:31:49,780
+حطّ فيه أشياء رهيبة، إحنا أيام السلطة القديمة في
+
+325
+00:31:49,780 --> 00:31:54,640
+السيارات المسروقة، في بقى مسروقة عن صح ولا مسروقة
+
+326
+00:31:54,640 --> 00:31:58,200
+ولا حاجة، والله ما إحنا حرامية، إحنا ما كناش بنسرق
+
+327
+00:31:58,200 --> 00:32:02,820
+جماعة، العمال اللي كانوا بيشتغلوا في المستوطنات أو
+
+328
+00:32:02,820 --> 00:32:06,760
+في حدود قريبة في داخل الخط الأخضر كان بيتفق مع
+
+329
+00:32:06,760 --> 00:32:11,260
+المعلم تبعه اليهودي، صاحب العمل، وبي... إيه؟ على
+
+330
+00:32:11,260 --> 00:32:14,300
+شراءها بثمن، إذا كانت تسوى عشر آلاف دينار بيبيعها
+
+331
+00:32:14,300 --> 00:32:19,940
+بالألف أو 500، بيبيع السيارة، بيبيعها وبيودّيه...
+
+332
+00:32:19,940 --> 00:32:23,260
+بطلّعه إياها خارج الحدود في الأراضي الفلسطينية
+
+333
+00:32:23,260 --> 00:32:27,500
+بيسلموها وبيقولوا، بعرف كشف، لا ورق ولا غيره
+
+334
+00:32:28,440 --> 00:32:32,540
+بسلمه، وتاني يوم هو بيروح ببلغ إنه سرقت السيارة
+
+335
+00:32:32,540 --> 00:32:36,120
+فقدت السيارة، ببلغ شركة التأمين على أساس يجيبوله
+
+336
+00:32:36,120 --> 00:32:42,220
+سيارة جديدة أو مبلغ التأمين، شوفوا هذا كله إهدار للـ
+
+337
+00:32:42,220 --> 00:32:47,120
+... لل... لل... لل... للأموال، انظروا أحياناً شوف
+
+338
+00:32:47,120 --> 00:32:51,780
+التأمين إيش بيعمل، بس تطلعوا بعض الجوادر، واحد ابنه
+
+339
+00:32:51,780 --> 00:32:55,660
+انكسرت رجله، وجاء من الحيط ولا صار له ولا جرى له إله
+
+340
+00:32:55,660 --> 00:32:59,800
+أخوه عنده سيارة ومؤمّنها، إحنا الولد لو بدنا نروح و
+
+341
+00:32:59,800 --> 00:33:03,540
+يقول: لا لنا تأمين ولا حاجة، ويظل عطيل وعنده عجز
+
+342
+00:33:03,540 --> 00:33:09,120
+أنت مش مؤمّن؟ قاله: آه، قاله: خلاص أنت روح... قل
+
+343
+00:33:09,120 --> 00:33:13,380
+أنه أنا خبطته في السيارة، أنا ضربته في السيارة عشان
+
+344
+00:33:13,380 --> 00:33:21,600
+... قاله: ولا يهمك بس يعني... آه، فراح يقوله
+
+345
+00:33:21,600 --> 00:33:27,070
+والله خبطنا في السيارة ومش عارف إيش، على أساس
+
+346
+00:33:27,070 --> 00:33:32,350
+يطلع له... كمان الطبيب...  لحقة الطبيب ده... الطبيب
+
+347
+00:33:32,350 --> 00:33:35,990
+... يعني فرضاً في حادثة حقيقية وعادية وكذا... و
+
+348
+00:33:35,990 --> 00:33:39,790
+الولد أنصاب أو الرجل أو المرأة وترتب عليه عجز
+
+349
+00:33:39,790 --> 00:33:45,080
+نسبة 5%، صاحب الشأن قاله: يا رجل 5%، طبعاً هيطلع له
+
+350
+00:33:45,080 --> 00:33:50,540
+5000 دينار، إيش هيعمل؟ قاله: اسمع، خليها 20% وإلك
+
+351
+00:33:50,540 --> 00:33:54,560
+اللي فيه النصيب، نسبة العجز، صاروا ذمام الأطباء
+
+352
+00:33:54,560 --> 00:33:58,040
+اشتريت بسبب التأمين، وهذا أعتذر يا أخي، أنا ما بقولش
+
+353
+00:33:58,040 --> 00:34:03,180
+شيء من فراغ، هذا مش حرام، ما إحنا قاعدينش بنقول إحنا
+
+354
+00:34:03,180 --> 00:34:07,800
+بنقول هذه المفاسد، هذه المضارّ اللي علشانها يعني ما
+
+355
+00:34:07,800 --> 00:34:12,240
+... ما... ما... ما يؤدي إلى الحرام فهو حرام، عشان
+
+356
+00:34:12,240 --> 00:34:19,680
+يجولنا بالتحريم، هذا كله لا يجوز، يعني مخاطر حقيقية
+
+357
+00:34:19,680 --> 00:34:25,300
+كبيرة يا إخوة ترتبت على التأمين، كل واحدة منها يعني
+
+358
+00:34:25,300 --> 00:34:30,820
+تكفي لأن والأمور بما قصِدَتْ، كما يقول صحيح، هو أهم
+
+359
+00:34:30,820 --> 00:34:35,140
+دليل، لكن هذه كلها يعني كما نظرنا يا إخوة، كما وجّهنا
+
+360
+00:34:35,140 --> 00:34:40,140
+و يعني نجد أن أدلة كثيرة، يعني كل هذه الأدلة جعلت
+
+361
+00:34:40,180 --> 00:34:44,580
+العلماء المعاصرين أو جمهور العلماء المعاصرين
+
+362
+00:34:44,580 --> 00:34:50,380
+يقولون بتحريم التأمين، إذا أربعة أدلة ذكرها الكتاب
+
+363
+00:34:50,380 --> 00:34:54,760
+أضفنا إليها أربعة أخرى فصارت ثمانية أدلة، أما
+
+364
+00:34:54,760 --> 00:35:01,290
+بالنسبة للقائلين بالجواز استدلوا أيضاً... يعني خلّيني
+
+365
+00:35:01,290 --> 00:35:05,650
+أقول أنا جامل، ما أقول الأدلة، يبدو طبعاً من نظر من
+
+366
+00:35:05,650 --> 00:35:12,690
+... للناظر الأدلة القائلين بالتحريم أنه خلاص أنت
+
+367
+00:35:12,690 --> 00:35:18,710
+ماذا بعد؟ بعد كل هذه الأدلة، هل يختلج في قلب واحد
+
+368
+00:35:18,710 --> 00:35:25,310
+منكم يعني أي شك بالحل؟ خلاص، لكن مع ذلك يا إخوة
+
+369
+00:35:25,310 --> 00:35:29,330
+العلماء ما عندهمش نظرة عاطفية، إن العلماء ينظرون بنظرة
+
+370
+00:35:29,330 --> 00:35:36,090
+موضوعية ومناقشة علمية دقيقة، فنظرُوا إلى هذه الأدلة
+
+371
+00:35:36,090 --> 00:35:39,430
+قالوا: أدلة قوية وراسَخة، لكن إحنا أولاً قلنا مناقشات
+
+372
+00:35:39,430 --> 00:35:45,470
+عليها و ردود، لكن قبل الردود إحنا أساساً ما قلنا بالحل
+
+373
+00:35:45,470 --> 00:35:51,090
+و بالجواز إلا بناءً على أدلة، أدلة متعددة، أنا هأذكر
+
+374
+00:35:51,090 --> 00:35:54,730
+الأدلة، بذكر
+
+375
+00:35:54,730 --> 00:35:59,370
+وتفصيلها المرة القادمة، استدلوا بدليلينِ
+
+376
+00:36:01,530 --> 00:36:05,030
+طب عندكوا إيه مكتوب جدّاش؟ أربعة أو خمسة، أنا
+
+377
+00:36:05,030 --> 00:36:11,430
+بقول لكوا دليلين، الدليل الأول، الدليل الأول أن الأصل
+
+378
+00:36:11,430 --> 00:36:17,420
+في المعاملات الإباحة، وهو هذا ليس موجوداً، أما لم يرد
+
+379
+00:36:17,420 --> 00:36:23,580
+نصّ، وعقد التأمين لم يرد فيه نصّ لا من كتاب ولا من
+
+380
+00:36:23,580 --> 00:36:29,700
+سنة بتحريمه، فيعود إلى الأصل، الأصل في المعاملات
+
+381
+00:36:29,700 --> 00:36:34,380
+والعقود الحلّ، الإباحة، عقد التأمين والله ما شفنا
+
+382
+00:36:34,380 --> 00:36:37,920
+لا في كتاب ربنا ولا في سنة نبينا صلى الله عليه
+
+383
+00:36:37,920 --> 00:36:43,700
+وسلّم نصّ ولا حديث يقول بتحريم عقد التأمين، فيكون
+
+384
+00:36:43,700 --> 00:36:49,940
+الأصل إيه؟ ف... ف... فيعود إلى الحلّ، القصد في
+
+385
+00:36:49,940 --> 00:36:53,660
+العقود الحلّ، فيقولوا حلالاً، مدام ما يوردش فيه نصّ
+
+386
+00:36:53,660 --> 00:36:59,360
+بالتحريم، فيقولوا طبعاً نصّ مباشرة أو يعني بالمعنى،
+
+387
+00:36:59,360 --> 00:37:02,460
+هو ما... مش برفضه بكل
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/_GEWnQ6KGRg_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/_GEWnQ6KGRg_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..dd8def3161678cca97c07b0d8894ca77284bf75d
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/_GEWnQ6KGRg_raw.srt
@@ -0,0 +1,1576 @@
+1
+00:00:20,650 --> 00:00:23,970
+الله الرحمن الرحيم الحمد لله والصلاة والسلام على
+
+2
+00:00:23,970 --> 00:00:28,830
+رسول الله وعلى آله وصحبه ومن احتدأ بهديه واستنى
+
+3
+00:00:28,830 --> 00:00:38,310
+بصناته إلى يوم الدين وبعد لازال الحديث متواصلا حول
+
+4
+00:00:38,310 --> 00:00:48,410
+أراء العلماء المواصرين في حكم التأمين التجاري وكنا
+
+5
+00:00:48,410 --> 00:00:57,470
+في المرة الماضيةقد تحدثنا عن أول من بيّن حكم
+
+6
+00:00:57,470 --> 00:01:04,250
+التأمين من العلماء وهو
+
+7
+00:01:04,250 --> 00:01:10,810
+محمد بن عبدين العلامة الحنفي وذلك منذ نحو مئتين
+
+8
+00:01:10,810 --> 00:01:18,090
+عام وذلك في أوائل الفترة التي وصل إليها التأمين
+
+9
+00:01:18,090 --> 00:01:24,490
+إلى بلاد المسلمينوتعرفنا كذلك على سبب الخلاف
+
+10
+00:01:24,490 --> 00:01:27,830
+وعرفنا
+
+11
+00:01:27,830 --> 00:01:33,710
+أن التأمين أنه قال بحرمة التأمين بناء على تلك
+
+12
+00:01:33,710 --> 00:01:41,330
+المعطيات التي كانت موجودة ومحيطة بعقد التأمين
+
+13
+00:01:41,330 --> 00:01:48,210
+ومنها أنه كان يعتبر من العقود
+
+14
+00:01:52,650 --> 00:01:59,230
+المبنية على إلزام ما لا يلزم إضافة إلى اعتبارات
+
+15
+00:01:59,230 --> 00:02:07,930
+أخرى ذكرناها ولكن بعد أن تطور عقد التأمين أو تطورت
+
+16
+00:02:07,930 --> 00:02:14,010
+عقد التأمين وانتشرت وتدخلت الدولة في وضع بنودها
+
+17
+00:02:14,010 --> 00:02:22,730
+وفي تحديد أقصاتهاودخلتها ضمن تشريعاتها وصار هناك
+
+18
+00:02:22,730 --> 00:02:30,230
+نوع من العدل في الأقصاد التي تدفع وذلك من خلال
+
+19
+00:02:30,230 --> 00:02:36,690
+تدخل الدولة وعدم ترك بنود التأمين للشركات المختلفة
+
+20
+00:02:36,690 --> 00:02:40,090
+لتضع ما تشاء وكيف تشاء و القدر الذي تشاء
+
+21
+00:02:43,910 --> 00:02:50,330
+وبعد أن تغلغلت هذه الوقود في مختلف مجالات الحياة
+
+22
+00:02:50,330 --> 00:02:57,030
+وبعد أن ارتبطت مصالح الناس بها وبعد أن أصبحت
+
+23
+00:02:57,030 --> 00:03:00,850
+الدولة تجبر المواطنين على التأمين في كثير من
+
+24
+00:03:00,850 --> 00:03:06,290
+المجالاتعيد النظر من قبل العلماء المسلمين
+
+25
+00:03:06,290 --> 00:03:12,330
+المؤاصرين في مسألة التأمين حيث إن صورته أصبحت
+
+26
+00:03:12,330 --> 00:03:18,430
+مختلفة ليست هي هي الصورة التي تحدث عنها ابن عبدين
+
+27
+00:03:18,430 --> 00:03:23,570
+وبيّن حكمها أصبحت معطيات مختلفة ونحن قلنا ونقول
+
+28
+00:03:23,570 --> 00:03:28,990
+دائما أنه عندما تتغير المعطيات وتختلف الظروفيعني
+
+29
+00:03:28,990 --> 00:03:34,370
+قد يتغير الحكم، وهذا أمر طبيعي، ذلك أن القائدة
+
+30
+00:03:34,370 --> 00:03:39,510
+الشرائية لا ينكر تغير الأحكام، لا ينكر تغير
+
+31
+00:03:39,510 --> 00:03:44,730
+الأحكام بتغير الظروف والعادات والأعراف، شيء طبيعي،
+
+32
+00:03:44,730 --> 00:03:48,470
+الإسلام يرأي المتغيرات، الإسلام دين الواقعية أيها
+
+33
+00:03:48,470 --> 00:03:53,490
+الأخوة الكراميرأى المتغيرات ويرأى الظروف ويرأى
+
+34
+00:03:53,490 --> 00:03:59,650
+الأسباب المحيطة بكل قضية من القضايا فلا يضع الحكم
+
+35
+00:03:59,650 --> 00:04:05,370
+بناء على اسم المشكلة أو اسم قضية أو اسم معاملة بل
+
+36
+00:04:05,370 --> 00:04:11,630
+بناء على حقيقة هذه المعاملة ومضمونها وما يحيطها من
+
+37
+00:04:11,630 --> 00:04:20,110
+ملبسات وما يترتب عليها من نتائجمن نتاج سواء كانت
+
+38
+00:04:20,110 --> 00:04:26,880
+نتاج مصلحية أو نتاج فاسدةعند طرحها كما قلت عند
+
+39
+00:04:26,880 --> 00:04:32,040
+طرحها من جديد بعد تغير كل هذه المعطيات وجدنا أن
+
+40
+00:04:32,040 --> 00:04:37,480
+العلماء اختلفوا على ثلاثة أقوال أو على ثلاثة آراء
+
+41
+00:04:37,480 --> 00:04:44,300
+فريق ضل متابع لعلامة ابن عدين في القول بي الحرمة
+
+42
+00:04:44,300 --> 00:04:50,320
+ولم ير أن تلك المعطيات المستجدة يعني تصلح لتغير
+
+43
+00:04:50,320 --> 00:04:56,090
+الحكم هو يقرب وجود الكل يقرب وجود معطياتجديدة ولكن
+
+44
+00:04:56,090 --> 00:05:01,350
+هل ترقى هذه المقطيات إلى درجة تغيير الحكم الفريق
+
+45
+00:05:01,350 --> 00:05:07,190
+الأول وهو فريق جون ماهير علماء المسلمين المواصرين
+
+46
+00:05:07,190 --> 00:05:13,830
+قال لا ترقى وأبقى حكم التحريم للتأمين التجاري على
+
+47
+00:05:13,830 --> 00:05:23,130
+ما هو فريق آخروجد أن هذه المتغيرات هذه المعطيات
+
+48
+00:05:23,130 --> 00:05:31,430
+تصبح أن تكون سببا لتغيير الحكم وبناء على أدلة أخرى
+
+49
+00:05:31,430 --> 00:05:37,840
+وجدها فقال بأن التأمين التجار اليوم أصبح جائزابعد
+
+50
+00:05:37,840 --> 00:05:44,280
+تغير كل هذه المعطيات والملابسات والنتائج والمصالح
+
+51
+00:05:44,280 --> 00:05:49,040
+وإلى غير ذلك الصورة تغيرت فلم لا يتغير الحكم
+
+52
+00:05:49,040 --> 00:05:53,840
+الصورة تغيرت بما يحقق المصالح الصورة تغيرت بما
+
+53
+00:05:53,840 --> 00:05:59,460
+ينفي المفاسد الصورة تغيرت بما يدفع كل أسباب
+
+54
+00:05:59,460 --> 00:06:05,470
+التحريم في نظرهم أو معظم أسباب التحريمومنهم كما
+
+55
+00:06:05,470 --> 00:06:12,430
+قلنا فريق ثالث يعني فصل بين صورة وصورة او صور وصور
+
+56
+00:06:12,430 --> 00:06:19,610
+فرأى ان بعض الصور على التحريم وبعضها جائزة في
+
+57
+00:06:19,610 --> 00:06:27,830
+التعامل الان نقف عند ادلة القائلين بالتحريم وهم
+
+58
+00:06:27,830 --> 00:06:33,940
+الجمهور ويمكن يا اخو احنا من خلال ما سبقمن حديثنا
+
+59
+00:06:33,940 --> 00:06:40,900
+عن الخصائص و العناصر و بعض الجوانب هنا و هناك ربما
+
+60
+00:06:40,900 --> 00:06:46,620
+أشرنا إلى بعض هذه الأدلة لكن هنا نحاول يعني
+
+61
+00:06:46,620 --> 00:06:50,960
+التركيز عليها و تصليف الضوء عليها بشكل أدق وأكبر
+
+62
+00:06:50,960 --> 00:06:55,660
+استدلوا أيها الأخوة بمجموعة من الأدلة
+
+63
+00:06:58,290 --> 00:07:03,430
+دعني أقول أمامكم في الكتاب أربعة أدلة ويمكن أن
+
+64
+00:07:03,430 --> 00:07:09,370
+نضيف عليها أربعة أخرى لكن ربما ما هو موجود عندكم
+
+65
+00:07:09,370 --> 00:07:15,990
+في الكتاب هي الأدلة الرئيسية وربما قلت قبل ذلك أن
+
+66
+00:07:15,990 --> 00:07:19,850
+حشد هذه الأدلة سواء في الكتاب أو في غير الكتاب
+
+67
+00:07:19,850 --> 00:07:26,810
+إنما يدلله على أن الدليل الواحد لم يكن كافياوإنما
+
+68
+00:07:26,810 --> 00:07:32,490
+كل دليل يقوي الدليل الآخر والنتيجة التي توصلوا
+
+69
+00:07:32,490 --> 00:07:37,710
+إليها من التحريم هي بمجموعة هذه الأدلة وليس بواحد
+
+70
+00:07:37,710 --> 00:07:42,290
+منها وليس بواحد منها ذلك أن كل دليل من هذه الأدلة
+
+71
+00:07:42,290 --> 00:07:48,370
+قد يخبع للمناقشة أو دلالته ليس دلالة قاطعة لما
+
+72
+00:07:48,370 --> 00:07:54,460
+قالوا لكن مجموعة هذه الأدلةجعلت لديهم اطمئنان على
+
+73
+00:07:54,460 --> 00:08:00,620
+القول الذي قالوا به والرأي الذي استقروا عليهم
+
+74
+00:08:01,750 --> 00:08:09,750
+الدليل الأول الذي قالوا به أو الذي استندوا إليه هو
+
+75
+00:08:09,750 --> 00:08:18,230
+أن هذا العقد يجتمل على الغرر والخداع
+
+76
+00:08:18,230 --> 00:08:24,350
+على الغرر والخداع وهذا مفسد للعقد أيها الأخوة
+
+77
+00:08:24,350 --> 00:08:31,240
+الغررالغرر مفسد للعقود لنهيه صلى الله عليه وسلم عن
+
+78
+00:08:31,240 --> 00:08:37,240
+بيوع الغرر، الغرر اللي هو بيع الأشياء الاحتمالية،
+
+79
+00:08:37,240 --> 00:08:44,560
+الغرر أن يكون هناك .. أن تكون هناك يعني النتائج
+
+80
+00:08:44,560 --> 00:08:45,820
+مستورة العاقبة
+
+81
+00:08:48,840 --> 00:08:54,220
+الغرر ان تبيع او ان تعاقد على شيء قد يحدث و قد لا
+
+82
+00:08:54,220 --> 00:09:00,020
+يحدث هذا هو الغرر ولعل
+
+83
+00:09:00,020 --> 00:09:04,380
+هذه الصورة هذا المعنى في الغرر موجود بجلاء قالوا
+
+84
+00:09:04,380 --> 00:09:08,360
+هم قالوا موجود بجلاء وبصورة واضحة اين في موضوع
+
+85
+00:09:08,360 --> 00:09:13,190
+التمين او في عقد التمين التجاريصلّقنا الضوء على
+
+86
+00:09:13,190 --> 00:09:20,520
+هذا الجانب كثيرا حيث قلناإنه في عقد التأمين الغرار
+
+87
+00:09:20,520 --> 00:09:26,260
+واضح من حيث إن العاقدين
+
+88
+00:09:26,260 --> 00:09:32,100
+المؤمن والمؤمن له يتعاقدان على شيء قد يقع وقد لا
+
+89
+00:09:32,100 --> 00:09:38,680
+يقع وهو الحادث وهو الخطر وهو الضرر الذي يتكلف أو
+
+90
+00:09:38,680 --> 00:09:44,660
+يتعهد المؤمن بتعويضه أليس هذا الأمر قد يقع ولا وقد
+
+91
+00:09:44,660 --> 00:09:51,380
+لا يقع وإن وقعقد يبلغ تقديره مبلغا طائلا وكبيرا
+
+92
+00:09:51,380 --> 00:09:56,180
+وقد يكون قليلا، إذا الغرر حتى من عدة جوانب، الغرر
+
+93
+00:09:56,180 --> 00:10:03,480
+في أصل الوجود وفي .. والوقوع وفي تقدير الضررمش
+
+94
+00:10:03,480 --> 00:10:08,560
+عارفين هو هيقع ولا مش هيقع وإذا وقع مش عارفين
+
+95
+00:10:08,560 --> 00:10:12,900
+هيبلغ مئة ألف دولار ولا عشرة آلاف ولا خمسة آلاف
+
+96
+00:10:12,900 --> 00:10:19,760
+فالغرر يعني يحيطه بعقد التأمين من كل الجوانب وهو
+
+97
+00:10:19,760 --> 00:10:26,960
+غرر فاحشغرر كبير لأنه قد يقال إن الشريعة قد اغتفرت
+
+98
+00:10:26,960 --> 00:10:31,740
+الغرر اليسير نعم الشريعة اغتفرت الغرر اليسير عندما
+
+99
+00:10:31,740 --> 00:10:35,300
+يكون غرر يسير او احتمالات بسيطة يعني نحن عندما
+
+100
+00:10:35,300 --> 00:10:41,710
+نشتري البطيخ مثلا نحن نجهل ما فيه في الغالب لكنما
+
+101
+00:10:41,710 --> 00:10:48,090
+بين كل مائة واحدة مثلا تخرج بيضاء او يعني فهذا غرض
+
+102
+00:10:48,090 --> 00:10:53,270
+المغتفر خاصة اننا لو أردنا ان نشتري البطيخ بغير
+
+103
+00:10:53,270 --> 00:10:58,210
+هذه الطريقة لكانت المفسدة اعظم لكانت المفسدة اعظم
+
+104
+00:10:58,210 --> 00:11:05,570
+وهكذا يعني هناك مراعاةلأحيان انت تشتري كومة من
+
+105
+00:11:05,570 --> 00:11:10,730
+القمح بالكون تقدرها انت بعشرة ارتال ربما تكون
+
+106
+00:11:10,730 --> 00:11:16,470
+اتناشر رطل لكن يعني هذا غرار مغتفر بسيط إلى غير
+
+107
+00:11:16,470 --> 00:11:22,450
+ذلك من أنواع الغرار اللي يعني قد تحدث لكن هذا غرار
+
+108
+00:11:22,450 --> 00:11:28,050
+كبير غرار فحش أشبه كما قلنا ببيع السمك في الماء
+
+109
+00:11:28,050 --> 00:11:33,620
+والطير في الهواءاللي يعني الاحتمالات fifty fifty
+
+110
+00:11:33,620 --> 00:11:36,280
+يعني خمسين في المية و خمسين في المية احتمالات
+
+111
+00:11:36,280 --> 00:11:41,640
+الوجود و العدم او حتى اكتر من ده يعني فالاحتمالات
+
+112
+00:11:41,640 --> 00:11:48,060
+مفتوحة على الغارب و ليس هناك فلذلك قالوا ان هذا
+
+113
+00:11:48,060 --> 00:11:53,760
+اكبر دليل و اهم دليل لدينا على القول بالتحريم مدام
+
+114
+00:11:53,760 --> 00:11:57,220
+رسول الله صلى الله عليه و سلم خدناها عن بيوع الغرر
+
+115
+00:11:57,370 --> 00:12:02,330
+وعقد الغرر هو هذا منها فيكون عقده التحريمي يعني
+
+116
+00:12:02,330 --> 00:12:10,570
+عقده التأمين من العقود المحرمة ثانيا يعني لحظة هاي
+
+117
+00:12:10,570 --> 00:12:17,520
+واحد اتنين عقد التأمين يجتمل على الرباقبنوعاهي هو
+
+118
+00:12:17,520 --> 00:12:21,760
+في انواع للربا اه في انواع رئيسية نوعين رئيسيين يا
+
+119
+00:12:21,760 --> 00:12:27,000
+اخوة ربا الفبو وربا النسيقة ممكن انتوا بتعرفوا هذا
+
+120
+00:12:27,000 --> 00:12:31,040
+الكلام انتوا يعني اهل التجارة اكيد عارفين ربا
+
+121
+00:12:31,040 --> 00:12:38,080
+الفبو وهي طبعا الربا في انواع معينة من البضائع او
+
+122
+00:12:38,080 --> 00:12:42,940
+من السلع الربا لا يكون الربا اصلا معناه الزيادة
+
+123
+00:12:42,940 --> 00:12:49,890
+لكن هنا الربايمتنعوا في أنواع معينة من السلع اللي
+
+124
+00:12:49,890 --> 00:12:53,650
+هي الست، الأنواع الست اللي نهى رسول الله صلى الله
+
+125
+00:12:53,650 --> 00:12:58,610
+عليه وسلم عن البيع فيها إلا مشروط، منها التماثل
+
+126
+00:13:01,480 --> 00:13:07,120
+ومنها الفورية أو التقابض التقابض اللي هي الذهب
+
+127
+00:13:07,120 --> 00:13:10,920
+بالذهب و الفضة بالفضة و القمح بالقمح و الشعير
+
+128
+00:13:10,920 --> 00:13:13,880
+بالشعير و التمر بالتمر و الملح بالملح هذه ستة
+
+129
+00:13:13,880 --> 00:13:20,160
+وقاسة لبعض وعليها أمثالها على كل الأحوالأين .. أين
+
+130
+00:13:20,160 --> 00:13:25,860
+الربا هنا و وجهه هنا؟ ما موضوع الربا؟ جالك الربا و
+
+131
+00:13:25,860 --> 00:13:32,380
+مش أي .. كما قلت مش أي ربا بل كل أنواع الربا، ربا
+
+132
+00:13:32,380 --> 00:13:37,140
+الفضل و ربا النساء، ربا الفضل يا إخوة يتمثل في أنا
+
+133
+00:13:37,880 --> 00:13:43,660
+ما يدفعه طبعا ابتدان يا اخوة المعاملة الرباوية كيف
+
+134
+00:13:43,660 --> 00:13:48,940
+تدهن المعاملة الرباوية او تتعلق باموال رباوية حيث
+
+135
+00:13:48,940 --> 00:13:55,340
+انها متعلقة بالنقد متعلقة بالنقد انت لو بدك تشتري
+
+136
+00:13:55,340 --> 00:14:02,800
+يعني خليني نقول رطل سكر ب .. خليني ب .. ب .. ب ..
+
+137
+00:14:02,800 --> 00:14:10,490
+ب قطعة صابون لأ بسمع انه هجرت السكر قد يفوق قطعة
+
+138
+00:14:10,490 --> 00:14:14,290
+الصابون وزنا بأضعاف مضاعفة او بقطعتين او بتلاته
+
+139
+00:14:14,290 --> 00:14:19,600
+فيه تفاضل مش مشكلة لانه مش من الربوياتمش من
+
+140
+00:14:19,600 --> 00:14:26,420
+الربويات وكذلك حتى
+
+141
+00:14:26,420 --> 00:14:30,000
+لو كان من جنس واحد اللي يعني لو انت بقت صابون
+
+142
+00:14:30,000 --> 00:14:36,820
+بصابون متفاضلا يجوز ذلك لكن الشرط ان ذا يكون من
+
+143
+00:14:36,820 --> 00:14:43,140
+الربويات يعني فلا يجوز ان تبيع يعني عشر جرامات ذهب
+
+144
+00:14:43,140 --> 00:14:53,020
+مثلا ذهب صيني بعشر تسع جرامات ذهب هنديلا يجوز لأنه
+
+145
+00:14:53,020 --> 00:14:58,700
+فيه تفاضل الذهب بالذهب لابد من التماثل بيع يا سيدي
+
+146
+00:14:58,700 --> 00:15:02,340
+بدكوا تبدلوا الذهب على ذهب تتبايعوا ماشي الحال لكن
+
+147
+00:15:02,340 --> 00:15:07,900
+في شروط أولها التماثل و ثانيها التقابض الفوري
+
+148
+00:15:07,900 --> 00:15:14,790
+المال أيها الأخوة النقود النقدفي حكم الذهب أو
+
+149
+00:15:14,790 --> 00:15:19,690
+ينسحبوا عليه حكم الذهب لأنه اليوم لأن أصل الذهب يا
+
+150
+00:15:19,690 --> 00:15:25,750
+إخوة هو العملة الذهب هو أصل العملات التي يتم بها
+
+151
+00:15:25,750 --> 00:15:31,530
+التقابض وما النقود الورقية إلا بديل عن الذهب بدليل
+
+152
+00:15:31,530 --> 00:15:38,140
+إن إصداراتالنقود انما تكون مرهونة بالرصيد الموجود
+
+153
+00:15:38,140 --> 00:15:42,040
+لدى الدولة من الذهب او بالقوة الاقتصادية والشرائية
+
+154
+00:15:42,040 --> 00:15:47,160
+لدى الدولة فالأوراق هي حقيقة يعني قيمتها ليس من
+
+155
+00:15:47,160 --> 00:15:53,000
+ذاتها وانما من الرصيد الموجود لدى الدولة والقوة
+
+156
+00:15:53,000 --> 00:15:57,140
+الشرائية التي تمكن بها الدولة فهذا يأخذ حكم الذهب
+
+157
+00:15:58,430 --> 00:16:02,710
+أو حكم الربويات، الآن هذه الأموال أليس .. نعود إلى
+
+158
+00:16:02,710 --> 00:16:09,570
+موضوع التأمين، أليس .. أليس .. أليس عقد التأمين في
+
+159
+00:16:09,570 --> 00:16:15,990
+الثمن والمثمن هو حقيقته بيع مال بمال أنت تدفع
+
+160
+00:16:15,990 --> 00:16:20,890
+أقصاد ماليةبظبط اللي هي اللي هي يدفعه المؤمن له في
+
+161
+00:16:20,890 --> 00:16:26,790
+عناصر التامية شوفناها على أنهم توقع الخطر تأخذوا
+
+162
+00:16:26,790 --> 00:16:31,810
+مبلغا من المال مش احنا نقول مبلغ مال و قصد تأمين
+
+163
+00:16:31,810 --> 00:16:36,530
+مش هدول العنصرين الرئيسيينمبلغ مالي وقسط التأمين
+
+164
+00:16:36,530 --> 00:16:40,830
+كلا هما مبلغ مالية لكن دا كمبلغ التأمين يدفعه
+
+165
+00:16:40,830 --> 00:16:46,270
+المؤمن عند وقوع الخطر وقسط التأمين يدفعه المؤمن له
+
+166
+00:16:46,270 --> 00:16:51,290
+عند بداية التعاقد ريب الآن انظروا اين الواحد يقول
+
+167
+00:16:51,290 --> 00:16:57,170
+اين الربا؟ الربا في الجانبين ربا الفضل وربا نسية
+
+168
+00:16:57,170 --> 00:17:01,790
+ربا الفضل غالبا يا اخوة الاقصاد اللي بيدفعها
+
+169
+00:17:01,790 --> 00:17:03,890
+المؤمن له
+
+170
+00:17:07,620 --> 00:17:14,160
+أقل بكثير من المبلغ الذي يدفعه المؤمن عند وقوع
+
+171
+00:17:14,160 --> 00:17:19,680
+الخطر إذا وقع الخطر يعني إذا وقع الخطر بتلاقي شركة
+
+172
+00:17:19,680 --> 00:17:26,040
+تأمين تكلفت من مبلغ كبير من المال قد يزيده على قصة
+
+173
+00:17:26,040 --> 00:17:31,340
+التأمين عشرات الأضعف يعني
+
+174
+00:17:31,340 --> 00:17:37,030
+ممكن يكون اللي .. اللي هوالمؤمن له ما دفعش اللي
+
+175
+00:17:37,030 --> 00:17:42,570
+قصد واحد او في هذا العام اللي تأمن عليه مجموع ما
+
+176
+00:17:42,570 --> 00:17:48,410
+دفعه او سيدفعه الف شكل و يكون تأمينه تأمين المبلغ
+
+177
+00:17:48,410 --> 00:17:55,710
+اذا وقع الخطر مائة الف ممكن هذا واقع اذا هذا ربع
+
+178
+00:17:55,710 --> 00:17:59,430
+فضل يا اخو اسمه يعني زيادة الفضل يعني زيادة في احد
+
+179
+00:17:59,430 --> 00:18:06,520
+اللي هو بينفزادى الثمن او المقابل على الثمن زادى
+
+180
+00:18:06,520 --> 00:18:11,000
+احد العوضين عن الآخر المال بمال لازم يكون في تساوي
+
+181
+00:18:11,000 --> 00:18:20,420
+إذا كان من نفس الجنس طيب وربع النسيئة أيضا ربع
+
+182
+00:18:20,420 --> 00:18:25,370
+النسيئة يعني ربع الأجل يعني عدم التقابضحتى لو
+
+183
+00:18:25,370 --> 00:18:28,570
+افترضنا لو واحد يعني قال لي الآن يا اخوان طب لو
+
+184
+00:18:28,570 --> 00:18:33,590
+كان مجموع الاقصاد اللي دفعها يساوي مجموع المبلغ
+
+185
+00:18:33,590 --> 00:18:39,110
+اللي دفعه فيها حاجة؟ كمان فيها حاجة ليش؟ لأنه لم
+
+186
+00:18:39,110 --> 00:18:44,750
+يتم المقابل على الفور ولم يتم التقابض فورا وانما
+
+187
+00:18:44,750 --> 00:18:51,310
+تم بأجل دفع التقصير للقصدوبعد شهرين تلاتة اربعة
+
+188
+00:18:51,310 --> 00:18:55,990
+خمسة وقع الخطر وانما كان مكافئا او مساويا تعويض
+
+189
+00:18:55,990 --> 00:19:03,730
+الضرر للقصد هذا انه لكن الخلل في انه تأخر ولم يتم
+
+190
+00:19:03,730 --> 00:19:10,330
+التقابل اذا ايها الاخوة الربحمن جانبينه وثم تجانب
+
+191
+00:19:10,330 --> 00:19:18,470
+آخر وربما أخطر من هذا كله وهو أن الأموال التي تجمع
+
+192
+00:19:18,470 --> 00:19:25,050
+لدى شركات التمين تستثمر في الربا و .. وهي منها ومن
+
+193
+00:19:25,050 --> 00:19:31,210
+ريئها يدفع للمؤمن له هذا المال فالربا يعني زي ما
+
+194
+00:19:31,210 --> 00:19:36,730
+بيقولوا من الساس للراسيعني مغطي
+
+195
+00:19:36,730 --> 00:19:41,850
+مسألة التأمين وإذا كان الأمر كذلك يعني هل بقى من
+
+196
+00:19:41,850 --> 00:19:48,390
+شك في الحرمة ثالثا ثالثا أيها الأخوة الكرام يقول
+
+197
+00:19:48,390 --> 00:19:53,730
+هو عقده ميسر أو يجتمل على الميسر والقمار والريهان
+
+198
+00:19:53,730 --> 00:19:58,890
+المحرم والممنوع ذلك
+
+199
+00:19:58,890 --> 00:20:06,160
+أننا لو نظرنا إلى عقد التأمينلو وجدنا أنه يتم
+
+200
+00:20:06,160 --> 00:20:12,460
+التعاقب على حدث احتمالي كما يحدث بين لعبي القمار
+
+201
+00:20:12,460 --> 00:20:19,800
+لعبي القمار إنما يعني يلعبون على أمر قد يحدث و قد
+
+202
+00:20:19,800 --> 00:20:29,050
+لا يحدث بالضبط زي السحبةزي قد يحدث و قد لا يحدث
+
+203
+00:20:29,050 --> 00:20:33,990
+وهذا تماما قد يحدث يعني هو دفع التأمين قصة التأمين
+
+204
+00:20:33,990 --> 00:20:39,670
+على أنه إن أصابه ضرر يعني اه فهو هيكون مبسوط في
+
+205
+00:20:39,670 --> 00:20:45,330
+هذه الحالة لأنه يتعاون وإن لم يصيبه حيصير يقول
+
+206
+00:20:45,330 --> 00:20:50,390
+الله لو اني ما أمنتش أحسنليلأنه دفع الألف شكل على
+
+207
+00:20:50,390 --> 00:20:54,490
+الفاضي و مضت السنة و مضت السنة و مضت العام اللذي
+
+208
+00:20:54,490 --> 00:20:58,090
+بعده و ربما الفاضي يا أخي و أنا من عشرات السنوات
+
+209
+00:21:01,530 --> 00:21:08,110
+ولا يصيبوا حادث أبدًا ولذلك حتى بعض الشركات انتبهت
+
+210
+00:21:08,110 --> 00:21:13,590
+لهذه الشغلة وصارت أنه اللي تعطي نوع من الجوائز لمن
+
+211
+00:21:13,590 --> 00:21:20,570
+يتأكدون أنهم يتعاملون معهم ولا يقومون بأي حدث بعد
+
+212
+00:21:20,570 --> 00:21:26,330
+عشان ما يصيرش عندهم هذا الشعور الندم وشعور لأنه
+
+213
+00:21:26,330 --> 00:21:31,650
+هنتكلم احنا بعض المفاسد يعني نعمعشان يرجعوا يدفعوا
+
+214
+00:21:31,650 --> 00:21:35,330
+عشان يستمروا معاهم يعني من باب الدعاية لإنه حقيقة
+
+215
+00:21:35,330 --> 00:21:40,210
+بالفعل شيء يعني يؤذّم النفس أنا كل سنة أدفع بدفع و
+
+216
+00:21:40,210 --> 00:21:44,110
+أنا حريصة في سواجتي و مية في المية و بعدين على
+
+217
+00:21:44,110 --> 00:21:49,810
+الفاضي يعني لولا في إنه مثلا شرطة أو لولا الاحتمال
+
+218
+00:21:49,810 --> 00:21:52,920
+هذا اللي واحد في الألفولا كان أنا أشعر ليش
+
+219
+00:21:52,920 --> 00:21:59,260
+بالنهاية فبصير فيه مخالجة للنفس ونوع من حديث النفس
+
+220
+00:21:59,260 --> 00:22:03,100
+الذي قد يؤرق الإنسان على كل الحواس فهو أشبه
+
+221
+00:22:03,100 --> 00:22:06,480
+بالقمار والقمار يا أخوه معروف يعني شوفوا لما ربنا
+
+222
+00:22:06,480 --> 00:22:12,680
+سبحانه وتعالى يقرن القمار والميسر بالخمر هذا يدل
+
+223
+00:22:12,680 --> 00:22:18,860
+على بشاة وشناعة جريمة القمار إنما الخمر والميسر
+
+224
+00:22:21,630 --> 00:22:28,990
+الخمر و الميسر و الأسلام و الشرك بالله يعني قرن
+
+225
+00:22:28,990 --> 00:22:36,900
+القمار بأعظم الجرائم يعني الشرك هو كفروشرب الخمر
+
+226
+00:22:36,900 --> 00:22:42,480
+أم الخبائث ييجي بينها إيش؟ القمار إنما .. إنما
+
+227
+00:22:42,480 --> 00:22:47,560
+الخمر والمي سيرو والأسلام ونصابه رجسون من عمل
+
+228
+00:22:47,560 --> 00:22:52,600
+الشيطان يدلوا على أن مسألة القمار مرفوضة فجريمة أو
+
+229
+00:22:52,600 --> 00:23:02,500
+مسألة شرب القمار مسألة خطيرة وجريمة كبيرة ومحرمة
+
+230
+00:23:02,500 --> 00:23:04,120
+بنص القرآن الكريم
+
+231
+00:23:08,270 --> 00:23:15,330
+والتأمين فيه معنى القمار وإن لم يكن نفس الصورة
+
+232
+00:23:15,330 --> 00:23:21,050
+مباشرة لكن فيه معنى القمار من حيث إنه يقع على حدث
+
+233
+00:23:21,050 --> 00:23:27,070
+احتمالي زي القمار يقع على حدث احتمالي ضرب، ضرب
+
+234
+00:23:27,070 --> 00:23:28,430
+بالغيب، ضرب بالنجوم
+
+235
+00:23:33,400 --> 00:23:38,960
+الدليل الثاني الرابع قالك هو تحدي فيه معنى التحدي
+
+236
+00:23:38,960 --> 00:23:44,340
+للقدر الإلهي احنا كنا يا اخوة ان شركات التأمين
+
+237
+00:23:44,340 --> 00:23:53,400
+تقوموا قبل تقديرها للاقصاد وقبل وضعها للبنود بعمل
+
+238
+00:23:53,400 --> 00:23:54,420
+إحصائيات
+
+239
+00:23:57,680 --> 00:24:05,040
+وفحوصات وخاصة اكتر ما يتضح في التأمين على الحياة
+
+240
+00:24:05,040 --> 00:24:10,560
+التأمين على الحياة اللي هو انت يعني عند الوفاة
+
+241
+00:24:10,560 --> 00:24:14,940
+بتدفع إلى لحظة الوفاة مبالغ معينة على ان بعد
+
+242
+00:24:14,940 --> 00:24:20,980
+الوفاة بنعطيك مرتبة او لأهلك كذا او بتدفع إلى حالة
+
+243
+00:24:20,980 --> 00:24:28,590
+ان تصبح ستين عاما على انه متىبلغت ال 60 نبدأ عملية
+
+244
+00:24:28,590 --> 00:24:35,030
+الدفع وهذا قبل ما يتم الاتفاق شركات التأمين تقوم
+
+245
+00:24:35,030 --> 00:24:39,190
+بعمليات تقدير
+
+246
+00:24:39,190 --> 00:24:45,120
+ودراسة أشبه بالتنبؤأشبه بالتنبؤ بتقدير الأعمار،
+
+247
+00:24:45,120 --> 00:24:47,880
+هذا ممكن يقول إيش كذا و هذا ممكن يقول إيش كذا و
+
+248
+00:24:47,880 --> 00:24:51,340
+هذا ممكن يموت بعد عشر سنين، فهم صاروا في تدخل
+
+249
+00:24:51,340 --> 00:24:58,680
+حقيقة في منازعة لأخص خصوصيات رب العالمينالحياة
+
+250
+00:24:58,680 --> 00:25:02,700
+والموت بيد الله سبحانه وتعالى حتى المرض والحوادث
+
+251
+00:25:02,700 --> 00:25:07,020
+وكل ذلك هذه مرهونة بيد الله وهم حتى التقديرات
+
+252
+00:25:07,020 --> 00:25:10,680
+تقديرات الحوادث حتى مش الموت و الحياة تخضع للأرواح
+
+253
+00:25:10,680 --> 00:25:14,960
+من القادم السابقة جداش حصل فهم بيجدروا عليه طب
+
+254
+00:25:14,960 --> 00:25:19,000
+الله علم السنة كيف تصير انت عارف بامن يمكن الكوارث
+
+255
+00:25:19,000 --> 00:25:26,220
+تزيدفهي تخطأ لشيء من التنبؤات التي لا علم لأحد بها
+
+256
+00:25:26,220 --> 00:25:29,340
+إلا الله وما يعلم الغايفة إلا الله فهي نوع من
+
+257
+00:25:29,340 --> 00:25:34,440
+التدخل في القدر الإلهي و الاعتماد على الماديات
+
+258
+00:25:34,440 --> 00:25:40,870
+فلذلك يعني اعتبروها من باب التحريمإضافة إلى هذا،
+
+259
+00:25:40,870 --> 00:25:44,610
+هناك يعني أيضا ممكن أن نضيف بعض الأدلة الأخرى
+
+260
+00:25:44,610 --> 00:25:49,850
+بسرعة أنها الإلزام كما ذكر ابن عبدي، إلزام ما لا
+
+261
+00:25:49,850 --> 00:25:56,950
+يلزم، إلزام شركة التأمين بدفع تعويض لمن لم تتسبب
+
+262
+00:25:56,950 --> 00:26:03,990
+له في التلفهي .. هي اللي قمت الحدث، هي اللي موتتك،
+
+263
+00:26:03,990 --> 00:26:08,390
+هي اللي ضربتك، هي اللي أصابتك، الأصل إن المتسبب
+
+264
+00:26:08,390 --> 00:26:16,450
+بالضرر هو الأولى بالتعويضالان شركة التأمين رأيت ما
+
+265
+00:26:16,450 --> 00:26:19,930
+في الأمر أنها تعحدت من الأمر لكن هل تسببك؟ لم
+
+266
+00:26:19,930 --> 00:26:24,670
+تتسبب ولذلك الأصل قال لا تلتزم الأصل فيه معايير
+
+267
+00:26:24,670 --> 00:26:30,090
+للالتزام فهو التأمين
+
+268
+00:26:30,090 --> 00:26:39,410
+فيه إلزام لشخص بتعويض مال لا يلزمه شرعا طيب شيء
+
+269
+00:26:39,410 --> 00:26:47,260
+آخرهو نوع من بيئ الأمن بيئ الأمن والأمان بيئ الأمن
+
+270
+00:26:47,260 --> 00:26:54,000
+والأمان والأمن والأمان لا يباع الأمن والأمان أمر
+
+271
+00:26:54,000 --> 00:26:59,840
+يعني معنوي لا يباع ولا يشترى الأمن يتحقق بالإيمان
+
+272
+00:26:59,840 --> 00:27:05,000
+بالله سبحانه وتعالى على كل حال هذا ما قالوه كلها
+
+273
+00:27:05,000 --> 00:27:08,180
+يعني حشت من الأدلة
+
+274
+00:27:09,740 --> 00:27:17,460
+كذلك هو بيع دين بدين بيع دين أو كما يسمى كما ورد
+
+275
+00:27:17,460 --> 00:27:22,560
+في الحديث بيع كالق بكالق نوع أو صورة من صورة بيع
+
+276
+00:27:22,560 --> 00:27:26,160
+الكالق بالكالق أو نوع رسول الله صلى الله عليه وسلم
+
+277
+00:27:26,160 --> 00:27:31,680
+عن بيع الكالق بالكالق وهو بيع الدين بالدين جالك
+
+278
+00:27:31,680 --> 00:27:38,210
+التأمين هو صورة من صورة بيع الدين بالدينكيف انت
+
+279
+00:27:38,210 --> 00:27:42,210
+بتدفع قصت و يبقى عليك اقصاد؟ ان انا عليك دين ولا
+
+280
+00:27:42,210 --> 00:27:47,910
+انا عليك عجب؟مقابل ماذا؟ البديل المعقود عليه اللي
+
+281
+00:27:47,910 --> 00:27:54,070
+هو مبلغ التأمين اللي يتعهد به المؤمن حال وقوع
+
+282
+00:27:54,070 --> 00:27:58,650
+الخطر، إذا هو داينه في ذمته، إذا وقع الخطر ولا لا،
+
+283
+00:27:58,650 --> 00:28:02,550
+داينه في ذمته، صار إيش؟ دين مقابل دين وهو منهي
+
+284
+00:28:02,550 --> 00:28:06,250
+عنه، هذا يا أخوة هذه الطريقة يعني تروح أنت بدأ
+
+285
+00:28:06,250 --> 00:28:13,400
+تشتري شغلةلا انت تدفع فلوس ولا انت تستلم البدل أي
+
+286
+00:28:13,400 --> 00:28:18,600
+بيئين هذا اذا مدام انت ماعاكش فلوس او مابدكش تدفع
+
+287
+00:28:18,600 --> 00:28:23,260
+فلوس و الطرف الآخر البضاعة مش جاهزة او مابدوش
+
+288
+00:28:23,260 --> 00:28:26,420
+يسرمك البضاعة دلوقتي اذا اجل موضوع البيئة بالمرة
+
+289
+00:28:26,420 --> 00:28:30,980
+اجل العقد ليوم تتوفر الفلوس او يوم تتوفر البضاعة
+
+290
+00:28:30,980 --> 00:28:38,500
+او احدهم على الأقل اما لا هذا ولا ذاكلا يجوز، نهى
+
+291
+00:28:38,500 --> 00:28:41,660
+رسول الله صلى الله عليه وسلم لإمكان التغيير
+
+292
+00:28:41,660 --> 00:28:45,500
+والتبديل ولغير ذلك لكن الرسول صلى الله عليه وسلم
+
+293
+00:28:45,500 --> 00:28:49,320
+سمح في بعض الحالات بيبايع السلم اللي هو بايعه شيء
+
+294
+00:28:49,320 --> 00:28:54,580
+موصوف بالذمة وشرطه تعجيل أحق الثمن، تدفع الثمن على
+
+295
+00:28:54,580 --> 00:29:00,080
+إنه يعني بعد شهر المصنع صنعلك مثلا ألف قطعة فلانية
+
+296
+00:29:00,080 --> 00:29:06,500
+ويسلمك، يعني ماعليشيعني شبيه شبيه بالاستصناع لأ
+
+297
+00:29:06,500 --> 00:29:12,220
+مختلف يعني الاستصناع زي عقد مقاول بس السلام تعريفه
+
+298
+00:29:12,220 --> 00:29:16,360
+بيع شيء موصوف في الذمة قد يدخل فيه الاستصناع نعم
+
+299
+00:29:16,360 --> 00:29:21,380
+انت ممكن موسم الزيت جامل موسم الزيت بشهرين تلاتة
+
+300
+00:29:21,380 --> 00:29:29,370
+تقول تبع بدي انا meet تنكةطبعا في الغالب بيكون
+
+301
+00:29:29,370 --> 00:29:33,550
+بيبقى السلم الثمن أرخص شوية لإنه هداكه بده فلوس
+
+302
+00:29:33,550 --> 00:29:38,410
+بده يرش الشجر بده مش عارف إيه بده يشتري بواعة بده
+
+303
+00:29:38,410 --> 00:29:42,390
+كذا فهو بي .. بي .. بيعني بينام بالستثمر المال
+
+304
+00:29:44,440 --> 00:29:49,980
+ولابد ان يكون المبيع موصوفا ووصفا دقيقا حتى لا يتم
+
+305
+00:29:49,980 --> 00:29:56,580
+الاختلاف بدي زيت صوري او بدي زيت K18 او بدي صابون
+
+306
+00:29:56,580 --> 00:30:01,600
+كذا يعني وها كده من انواع ومواصفات ومقاييس وأوزان
+
+307
+00:30:01,600 --> 00:30:07,390
+ومكيل محددة حتى لا يحدثوا هناك اختلافولكن الاصل
+
+308
+00:30:07,390 --> 00:30:11,730
+الحقيقي ان يكون البيع والمبيع الاصل ان يكون حاضر
+
+309
+00:30:11,730 --> 00:30:16,410
+وموجود ومعلوم لكن يستغنى عن ذلك بأن يكون موصوفا في
+
+310
+00:30:16,410 --> 00:30:19,850
+الذمة زي المباني اللي بنشوفها على الخرايط وكذا
+
+311
+00:30:19,850 --> 00:30:26,210
+ممكن تدخل في هذا الموضوع على كل الأحوال اذا اخر
+
+312
+00:30:26,210 --> 00:30:33,370
+دليليمكن أن ينضاف إلى هذه الأدلة هو ما يترتب على
+
+313
+00:30:33,370 --> 00:30:41,070
+عقد التأمين من مفاسد،
+
+314
+00:30:41,070 --> 00:30:49,970
+مفاسد متعلقة بالتزوير، مفاسد متعلقة باطلاف البضائع
+
+315
+00:30:50,630 --> 00:30:57,190
+مفاسد متعلقة بالتجسس والتخابر وإلى غير ذلك انظروا
+
+316
+00:30:57,190 --> 00:31:02,970
+انا اخبر بعض الأمثلة وانتهي الان واحد صاحب مصنع
+
+317
+00:31:02,970 --> 00:31:09,890
+بدفع تأمين تأمين سنتين تلاتة اربعة ويعني ضج من قدر
+
+318
+00:31:09,890 --> 00:31:15,330
+ما يدفع ولازم يدفع فهو بده شوية يعني بديل فراح ايش
+
+319
+00:31:16,650 --> 00:31:21,150
+فرغ المصنع من المكان ومش عارفاش وحط شوية رعبش فيه
+
+320
+00:31:21,150 --> 00:31:25,130
+وولع وحرج حرج
+
+321
+00:31:25,130 --> 00:31:32,050
+وقال انه بلغ شركة التأمين انا اعمل بضايع مكان كله
+
+322
+00:31:32,050 --> 00:31:37,370
+خرب او بضاعتي وممكن يكون متجر مصنع متجر شركة اي
+
+323
+00:31:37,370 --> 00:31:45,340
+حاجة و هو مأمنأو راح اتفاق باعها بثمن أرخص و بعدين
+
+324
+00:31:45,340 --> 00:31:49,780
+حط فيه أشوات رهيبة احنا ايام السلطة القديمة في
+
+325
+00:31:49,780 --> 00:31:54,640
+السيارات المسروجة في بقى مسروجة عن صحيح ولا مسروجة
+
+326
+00:31:54,640 --> 00:31:58,200
+ولا حاجة والله ما احنا حراميين احنا ماكناش بنسرق
+
+327
+00:31:58,200 --> 00:32:02,820
+جماعةالعمال اللي كانوا بيشتغلوا في المستوطنات أو
+
+328
+00:32:02,820 --> 00:32:06,760
+في حدود قريبة في داخل الخط الأخضر كان بيتفج مع
+
+329
+00:32:06,760 --> 00:32:11,260
+المعلم تبعه اليهودي صاحب العمل و بي .. ايه؟ على
+
+330
+00:32:11,260 --> 00:32:14,300
+شراعها بثمن إذا كانت تسوى عشر تلاف دينار بيبيعها
+
+331
+00:32:14,300 --> 00:32:19,940
+بالذنب او 500 بيبيع السيارة بيبيعها و بيوديه ..
+
+332
+00:32:19,940 --> 00:32:23,260
+بطلعله إياها خارج الحدود في الأعراض الفلسطينية
+
+333
+00:32:23,260 --> 00:32:27,500
+بيسلموا إياها و بيقولوا بعرف كاشف لا ورق ولا غيره
+
+334
+00:32:28,440 --> 00:32:32,540
+بسلمه و تاني يوم هو بروح ببلغ انه سرقت السيارة
+
+335
+00:32:32,540 --> 00:32:36,120
+فقدت السيارة ببلغ شركة التأمين على أساس يجيبوله
+
+336
+00:32:36,120 --> 00:32:42,220
+سيارة جديدة او مبلغ التأمين شوفوا هذا كله إهدار لل
+
+337
+00:32:42,220 --> 00:32:47,120
+.. لل .. لل .. لل .. للأموال انظروا أحيانا شوف
+
+338
+00:32:47,120 --> 00:32:51,780
+التأمين إيش بيعمل بس تطلعوا بعض الجوادر واحد ابنه
+
+339
+00:32:51,780 --> 00:32:55,660
+انكسرت رجله و جاء من الحيط ولا صارله ولا جراله إله
+
+340
+00:32:55,660 --> 00:32:59,800
+أخه عنده سيارة و مأمناحنا الولد لو بدنا نروح و
+
+341
+00:32:59,800 --> 00:33:03,540
+يقول لا لنا تأمين ولا حاجة و يظل عطيلة و عنده عجزة
+
+342
+00:33:03,540 --> 00:33:09,120
+انت مش مأمن؟ قالله اه قالله خلاص انت روح .. قول
+
+343
+00:33:09,120 --> 00:33:13,380
+انه انا خبطته في السيارة انا ضربته في السيارة عشان
+
+344
+00:33:13,380 --> 00:33:21,600
+.. قالله ولا يهمك بس يعني .. اه فال راح اقوله
+
+345
+00:33:21,600 --> 00:33:27,070
+والله خبطنا في السيارة و مش عارف ايشو على أساس
+
+346
+00:33:27,070 --> 00:33:32,350
+يطلعله .. كمان الطبيب .. لحقة الطبيب ده .. الطبيب
+
+347
+00:33:32,350 --> 00:33:35,990
+.. يعني فرضا في حادثة حقيقية و عادية و كذا .. و
+
+348
+00:33:35,990 --> 00:33:39,790
+الولد انصاب او الرجل او المرأة و ترتب عليه عاجز
+
+349
+00:33:39,790 --> 00:33:45,080
+نسبة 5%صاحب الشأن قالله يا راجل 5% طبعا هيطلعله
+
+350
+00:33:45,080 --> 00:33:50,540
+5000 دمار ايش هيعملن قالله اسمع خليها 20% وإلك
+
+351
+00:33:50,540 --> 00:33:54,560
+اللي فيه النصيب نسبة العجز صاروا ذمام الأطباء
+
+352
+00:33:54,560 --> 00:33:58,040
+اشتريت بسبب التامين وهذا يعتث يا اخو انا مابقولش
+
+353
+00:33:58,040 --> 00:34:03,180
+اشي من فراغ هذا مش حرام ماحنا قاعدينش بنقول احنا
+
+354
+00:34:03,180 --> 00:34:07,800
+بنقول هذه المفاسد هذه المضرار اللي علشانها يعني ما
+
+355
+00:34:07,800 --> 00:34:12,240
+.. ما .. ما .. ما يؤدي إلى الحرام فهو حرامعشان
+
+356
+00:34:12,240 --> 00:34:19,680
+هجولنا بالتحريم. هذا كله لا يجوز. يعني مخاطر حقيقة
+
+357
+00:34:19,680 --> 00:34:25,300
+كبيرة يا اخوة ترتبت على التأمين كل واحدة منها يعني
+
+358
+00:34:25,300 --> 00:34:30,820
+تكفي لأن والامور بما قصدها كما يقول صحيح هو أهم
+
+359
+00:34:30,820 --> 00:34:35,140
+دليل لكن هذه كلها يعني كما نظرنا يا اخوة كما وجهنا
+
+360
+00:34:35,140 --> 00:34:40,140
+ويعني نجد ان ادلة كثيرة يعني كل هذه الأدلة جعلت
+
+361
+00:34:40,180 --> 00:34:44,580
+العلماء المعاصرين او جمهور العلماء المعاصرين
+
+362
+00:34:44,580 --> 00:34:50,380
+يقولون بتحريم التأمين اذا اربعة ادلة ذكرها الكتاب
+
+363
+00:34:50,380 --> 00:34:54,760
+اضافنا اليها اربعة اخرى فصارت ثمانية ادلة اما
+
+364
+00:34:54,760 --> 00:35:01,290
+بالنسبة للقائلينبالجواز استدلوا ايضا .. يعني خليني
+
+365
+00:35:01,290 --> 00:35:05,650
+اقول انا جامل ما اقول الأدلة يبدو طبعا من نظر من
+
+366
+00:35:05,650 --> 00:35:12,690
+.. للناظر الأدلة القائلين بالتحريم انه خلاص انت
+
+367
+00:35:12,690 --> 00:35:18,710
+ماذا بعد؟بعد كلها الأدلة هل يختلجوا في قلب واحد
+
+368
+00:35:18,710 --> 00:35:25,310
+منكم يعني أي شك بالحل خلاص لكن مع ذلك يا أخوة
+
+369
+00:35:25,310 --> 00:35:29,330
+العلماء ماعندهمش نظرة عاطفية إن علماء ينظرون بنظرة
+
+370
+00:35:29,330 --> 00:35:36,090
+موضوعية ومناقشة علمية دقيقةفنظروا إلى هذه الأدلة
+
+371
+00:35:36,090 --> 00:35:39,430
+قالوا أدلة كهلين وراس لكن احنا أولا قلنا مناقشات
+
+372
+00:35:39,430 --> 00:35:45,470
+عليها وردود لكن قبل الردود احنا أساسا ماقلنا بالحل
+
+373
+00:35:45,470 --> 00:35:51,090
+و بالجواز إلا بناء على أدلة أدلة متعددة انا هذكر
+
+374
+00:35:51,090 --> 00:35:54,730
+الأدلة بذكر
+
+375
+00:35:54,730 --> 00:35:59,370
+و تفصيل المرة القادمة استدلوا بدليليني
+
+376
+00:36:01,530 --> 00:36:05,030
+طب عندكوا ايه مكتوب جديش؟ اربعة او خمسة انا
+
+377
+00:36:05,030 --> 00:36:11,430
+بقولكوا دليلين الدليل الاول الدليل الاول ان الأصل
+
+378
+00:36:11,430 --> 00:36:17,420
+في المعاملات الإباحة وهو هذا ليس موجوداما لم يرد
+
+379
+00:36:17,420 --> 00:36:23,580
+نص وعقد التأمين لم يرد فيه نص لا من كتاب ولا من
+
+380
+00:36:23,580 --> 00:36:29,700
+سنة بتحريمه فيعود إلى الأصل، الأصل في المعاملات
+
+381
+00:36:29,700 --> 00:36:34,380
+والعقود الحل، الإباحة عقد التأمين والله ما شوفنا
+
+382
+00:36:34,380 --> 00:36:37,920
+لا في كتاب ربنا ولا في سنة نبينا صلى الله عليه
+
+383
+00:36:37,920 --> 00:36:43,700
+وسلم نص ولا حديث يقول بتحريم عقد التأمين فيكون
+
+384
+00:36:43,700 --> 00:36:49,940
+الأصل إيه؟ف .. ف .. فيردوا الى الحل، القصد في
+
+385
+00:36:49,940 --> 00:36:53,660
+العقود الحل، فيقولوا حلالا، مدام ما يوردش فيه نص
+
+386
+00:36:53,660 --> 00:36:59,360
+بالتحريم، فيقولوا طبعا نص مباشرة أو يعني بالمعنى،
+
+387
+00:36:59,360 --> 00:37:02,460
+هو ما .. مش بترفعني بكل اللي ما ذكرهم من الأدلة،
+
+388
+00:37:02,460 --> 00:37:07,100
+احنا ما نستطيع نرى، الدليل الثاني القياس
+
+389
+00:37:09,240 --> 00:37:14,600
+كل الصور المذكورة عنكم يا إخوة، الخمسة دللة، ردوا
+
+390
+00:37:14,600 --> 00:37:21,200
+إلى دليل واحد اسمه القياس على عقود مشابهة قال
+
+391
+00:37:21,200 --> 00:37:29,170
+العلماء بجوازهاالقياس على عقود مشابهة قال العلماء
+
+392
+00:37:29,170 --> 00:37:33,550
+بجوازها عقد التامين يا عم هذا يشبه عقود كثيرة
+
+393
+00:37:33,550 --> 00:37:41,070
+موجودة عندنا وقال العلماء بجوازها وسنتعرف على هذه
+
+394
+00:37:41,070 --> 00:37:44,330
+العقود وصورها المرة القادمة ان شاء الله
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/aqknrW_DTQ4.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/aqknrW_DTQ4.srt
new file mode 100644
index 0000000000000000000000000000000000000000..0f9336129fb6081f454a9ab85e9f30699b911dd3
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/aqknrW_DTQ4.srt
@@ -0,0 +1,1331 @@
+
+1
+00:00:22,340 --> 00:00:25,800
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:25,800 --> 00:00:30,120
+على رسول الله وعلى آله وصحبه ومن اهتدى بهديه
+
+3
+00:00:30,120 --> 00:00:39,280
+واستنى بسُنته إلى يوم الدين. وبعد، نواصل حديثنا فيما
+
+4
+00:00:39,280 --> 00:00:46,640
+يتعلق ببعض المعاملات المعاصرة، خاصة تلك التي تتعامل
+
+5
+00:00:46,640 --> 00:00:55,380
+بها البنوك الإسلامية. وقد كنا في المحاضرة السابقة قد
+
+6
+00:00:55,380 --> 00:01:00,860
+انتهينا من الحديث عن الإيجارة المنتهية بالتمليك
+
+7
+00:01:00,860 --> 00:01:07,400
+والتي هي إحدى المعاملات المعاصرة التي استحدثتها
+
+8
+00:01:07,400 --> 00:01:14,420
+البنوك الإسلامية وبدأت تتعامل بها، على اعتبار أنها
+
+9
+00:01:14,420 --> 00:01:22,080
+معاملة تباعد بينها وبين المعاملات الربوية، وتجذب
+
+10
+00:01:22,080 --> 00:01:30,600
+الزبائن الذين يرغبون في استثمار أموالهم بطريق
+
+11
+00:01:30,600 --> 00:01:37,780
+الحلال، والتعامل بمعاملات إسلامية صحيحة.
+
+12
+00:01:44,400 --> 00:01:49,560
+وانتهينا من هذه المعاملة تفصيلاً. واليوم، أيها الأخوة
+
+13
+00:01:49,560 --> 00:01:56,840
+الكرام، نتحدث عن معاملة جديدة من هذه المعاملات التي
+
+14
+00:01:56,840 --> 00:02:02,080
+تتعامل بها هذه البنوك الإسلامية، والتي استحدثتها
+
+15
+00:02:02,080 --> 00:02:09,870
+كذلك لنفس الأسباب التي ذكرناها سابقاً. فالَبُنوكُ جَمعيّاتٌ
+
+16
+00:02:09,870 --> 00:02:14,730
+للأموال، مستودعات للأموال، تحاول بكل وسيلة أن
+
+17
+00:02:14,730 --> 00:02:21,230
+تستثمر هذه الأموال وأن تنميها بكل الطرق المتاحة
+
+18
+00:02:21,230 --> 00:02:28,270
+والمباحة. لكن البنوك الإسلامية تقيد نفسها باستثمار
+
+19
+00:02:28,270 --> 00:02:34,050
+أموالها بالطرق الشرعية والمباحة،
+
+20
+00:02:34,050 --> 00:02:46,810
+وتحت مظلة الشرع وأحكامه. وهذا يضيف عليها مسؤولية من حيث
+
+21
+00:02:46,810 --> 00:02:53,010
+ضرورة الالتزام في كل معاملة أن تكون متوافقة،
+
+22
+00:02:53,010 --> 00:02:59,150
+متناغمة مع الأحكام الشرعية. وهذا يجعل إدارات البنوك،
+
+23
+00:02:59,150 --> 00:03:07,530
+كما قلتُ دائماً، تفكر في استحداث المزيد من المعاملات،
+
+24
+00:03:07,530 --> 00:03:15,430
+حتى غير تلك المعاملات المعروفة قديمًا، وذلك لفتح
+
+25
+00:03:15,430 --> 00:03:19,930
+أبواب جديدة لجذب الزبائن، لتوسيع دائرة التمويل،
+
+26
+00:03:19,930 --> 00:03:28,630
+للمنافسة، لكل هذه الأسباب المحيطة بتلك البنوك، كما
+
+27
+00:03:28,630 --> 00:03:32,490
+استحدثتها البنوك الإسلامية. إضافة إلى ما سبق،
+
+28
+00:03:32,490 --> 00:03:37,290
+المرابحة المصرفية، رأينا أنهم استحدثوها، الإجارة
+
+29
+00:03:37,290 --> 00:03:41,570
+المنتهية بالتمليك، كذلك مما استحدثوه. لكن يعني، لا
+
+30
+00:03:41,570 --> 00:03:48,790
+تتوقف عملية البحث والنظر والإبداع في البحث عن
+
+31
+00:03:48,790 --> 00:03:55,850
+معاملات جديدة. فمما استحدثوه كذلك، المشاركة المنتهية
+
+32
+00:03:55,850 --> 00:03:56,850
+بالتمليك.
+
+33
+00:04:00,160 --> 00:04:05,080
+وهنا نقف، يعني، بعض الوقفات قبل أن نتحدث في
+
+34
+00:04:05,080 --> 00:04:10,740
+المشاركة المنتهية بالتمليك، من حيث التعريف، ومن حيث
+
+35
+00:04:10,740 --> 00:04:16,680
+الحكم، والأدلة، وإلى غير ذلك، كما هي عادتنا نحن.
+
+36
+00:04:16,680 --> 00:04:20,000
+لما تحدثنا، يا إخوة، إن كنتم تذكرون، عن الإجارة
+
+37
+00:04:20,000 --> 00:04:23,560
+المنتهية بالتمليك، كانت وقفتنا الأولى في العنوان
+
+38
+00:04:23,560 --> 00:04:27,860
+ذاته، وقلنا يومها بأن الإيجارة المنتهية بالتمليك،
+
+39
+00:04:27,860 --> 00:04:36,820
+يعني، عنوان يستحق أن يقف عليه كل من لديه نظر ثاقب،
+
+40
+00:04:36,820 --> 00:04:44,980
+من حيث إنه يتضمن ألفاظاً ومعاني متناقضة، أو ألفاظاً تدل
+
+41
+00:04:44,980 --> 00:04:48,680
+على معانٍ متناقضة. إجارة تنتهي بالتمليك، هذا لا يتفق،
+
+42
+00:04:49,080 --> 00:04:52,180
+أو لا يتوافق مع معنى الإجارة التي لا تنتهي
+
+43
+00:04:52,180 --> 00:04:57,320
+بالتمليك في العادة. وقلنا بالتالي، من أجل ذلك، كان
+
+44
+00:04:57,320 --> 00:05:01,760
+لابد من المزيد من النظر، ومزيد من البحث، ومزيد من
+
+45
+00:05:01,760 --> 00:05:08,680
+البيان. لكن سؤالنا هنا عن المشاركة المنتهية
+
+46
+00:05:08,680 --> 00:05:12,760
+بالتمليك، هنا،
+
+47
+00:05:12,760 --> 00:05:18,910
+وقفة، لكن من نوع آخر، حول العنوان نفسه: المشاركة
+
+48
+00:05:18,910 --> 00:05:23,190
+المنتهية بالتمليك. هناك الوقفة كانت لأنّ ثمة تناقضاً
+
+49
+00:05:23,190 --> 00:05:28,250
+ظاهراً. لكن هنا، هل يوجد تناقض؟ المشاركة المنتهية
+
+50
+00:05:28,250 --> 00:05:34,210
+بالتمليك، أليست الشركة في حد ذاتها، أو المشاركات حول
+
+51
+00:05:34,210 --> 00:05:41,590
+شيء معين، التي تحدث بين الشركاء، ألا يكون هذا مملوكاً
+
+52
+00:05:41,590 --> 00:05:48,540
+في حقيقة الأمر لكل الأطراف؟ نعم، يكون مملوكاً. فأين
+
+53
+00:05:48,540 --> 00:05:54,200
+المشكلة إذن في المشاركة المنتهية بالتمليك؟ أو
+
+54
+00:05:54,200 --> 00:05:58,640
+لماذا هذه التسمية؟ حتى المشاركة المنتهية بالتمليك، إذا
+
+55
+00:05:58,640 --> 00:06:03,980
+كانت الشركة في حقيقة الأمر، يعني، هي ملكٌ ل...ل...
+
+56
+00:06:03,980 --> 00:06:11,500
+ل...ل...ل...لكل شركاء؟ أين وجه التسمية؟ أين
+
+57
+00:06:11,500 --> 00:06:18,600
+الجديد في التسمية: المشاركة المنتهية بالتمليك؟ أين
+
+58
+00:06:18,600 --> 00:06:27,040
+الغرابة؟ أين الجدة؟ ماذا ترون؟ تفضل يا أحمد. إن هي
+
+59
+00:06:27,040 --> 00:06:31,360
+الشركة مبنيّة على شِيواتٍ، نصيب كل واحد غير معلوم،
+
+60
+00:06:31,360 --> 00:06:37,520
+تحديداً. لما يقترض التمليك، التمليك بيكون نصيب كل
+
+61
+00:06:37,520 --> 00:06:40,300
+واحد معلوم. أما في المشاركة، نصيب كل واحد غير
+
+62
+00:06:40,300 --> 00:06:46,370
+معلوم، يتصرف في ال...في الملك كأنه ش...  عطينا يا أحمد.
+
+63
+00:06:46,370 --> 00:06:53,470
+أشكرك على الإجابة، وإن لم تكن، يعني، قد وضعت النقاط
+
+64
+00:06:53,470 --> 00:06:57,690
+على الحروف. هل من...من...من...منكم من يضع نقاطاً
+
+65
+00:06:57,690 --> 00:07:04,890
+على الحروف؟ طيب، ال...الجديد، أو ال...ال...ال...
+
+66
+00:07:04,890 --> 00:07:10,190
+الإشكالية، أو ال...ال...في التسمية، أو اللافت
+
+67
+00:07:11,490 --> 00:07:17,290
+المقصود، يا إخوة، بالمشاركة المنتهية بالتمليك، يعني،
+
+68
+00:07:17,290 --> 00:07:20,430
+مع أنه قد يقول قائل، كما قلت، إنها مملوكة للأطراف.
+
+69
+00:07:20,430 --> 00:07:28,730
+المشاركة، يعني، كأن هناك شيئاً مضمراً، أو مُقَدّراً، مفهوم
+
+70
+00:07:28,730 --> 00:07:34,570
+ضمني لدى من وضعوا هذا المصطلح. لكن يمكن نحن ليس واضح
+
+71
+00:07:34,570 --> 00:07:40,640
+لديهم. المشاركة، كأن المقصود هنا، بل هو كذلك، أن
+
+72
+00:07:40,640 --> 00:07:48,300
+المشاركة المنتهية بتمليك أحد الشريكين نصيب الآخر. المشاركة
+
+73
+00:07:48,300 --> 00:07:51,420
+المنتهية
+
+74
+00:07:51,420 --> 00:08:01,000
+بتمليك أحد الشريكين، أو أحد الشركاء، بنصيب
+
+75
+00:08:01,000 --> 00:08:02,420
+الآخرين.
+
+76
+00:08:04,900 --> 00:08:11,000
+أعتقد هكذا يصير فيه وضوح. اثنان شريكان، أو قبل أن
+
+77
+00:08:11,000 --> 00:08:16,940
+يشتركا، يتفقا فيما بينهما على بناء شركة، على
+
+78
+00:08:16,940 --> 00:08:24,700
+الدخول في شركة. لكن أحدهما يشترط على الآخر أنه بعد
+
+79
+00:08:24,700 --> 00:08:31,720
+سنين محدودة، سنتين، ثلاث، أربع، خمس، سبع، أن تؤول
+
+80
+00:08:31,720 --> 00:08:32,600
+الشركة
+
+81
+00:08:36,480 --> 00:08:45,660
+بعد أن يُسَدَّدَ الأقساطُ
+
+82
+00:08:45,660 --> 00:08:55,900
+التي تشكل نصيب الشريكين، أو الشريك الآخر، وفق اتفاقيات
+
+83
+00:08:55,900 --> 00:09:01,480
+واضحة، واتفاقيات. إذاً، كأنه المقصود المشاركة المنتهية
+
+84
+00:09:01,480 --> 00:09:11,180
+بتمليك أحد الشريكين نصيب الآخر في مدة معلومة. وهذا
+
+85
+00:09:11,180 --> 00:09:18,140
+بالفعل، بهذا المعنى، تصبح المعاملة فيها وجه من الجدة،
+
+86
+00:09:18,140 --> 00:09:22,960
+وجه من الغرابة، ذلك أن العادة في الشركات أن من
+
+87
+00:09:22,960 --> 00:09:30,640
+يدخلوا في الشركات، يدخلوا، يعني، إلابدوماً، أو تنتهي
+
+88
+00:09:30,640 --> 00:09:37,520
+شركتهم بانتهاء المعاملة، بانتهاء الصفقة، وأن مسألة
+
+89
+00:09:37,520 --> 00:09:42,640
+الفصل هذه لا تتم إلا إذا وقعت خلافات، ولا يُعقل أن
+
+90
+00:09:42,640 --> 00:09:50,480
+يدخل اثنان في شراكة، وهما يضعان خلافاتٍ فيما بينهما،
+
+91
+00:09:50,480 --> 00:09:55,920
+يعني. ولذلك، هم، أي شركاء، يتأملون أن شركتهم تمتد إلى
+
+92
+00:09:55,920 --> 00:10:05,290
+أن تتصفى، أو إلى أن تظل دائمةً على طول. لكن أن تنتهي
+
+93
+00:10:05,290 --> 00:10:11,950
+هذه الشركة، أو أن تؤول ملكية الشركة بالكلية إلى أحد
+
+94
+00:10:11,950 --> 00:10:17,390
+الشريكين، يعني هذا شيء جديد، وليس معروفاً بالفعل في
+
+95
+00:10:17,390 --> 00:10:24,490
+الفقه الإسلامي، وفي أنواع الشركات القديمة. طيب، هذه
+
+96
+00:10:24,490 --> 00:10:27,990
+لفتة أحببت أن أشير إليها. اللفتة أو النقطة الثانية،
+
+97
+00:10:27,990 --> 00:10:34,560
+وهي نقطة معتادة نتحدث فيها في كل مرة. نحن في كل
+
+98
+00:10:34,560 --> 00:10:40,880
+معاملة جديدة، نرى بوضوح أن المعاملة الجديدة تنتمي
+
+99
+00:10:40,880 --> 00:10:46,260
+إلى معاملة قديمة، أو متولدة عن معاملة قديمة. عندما
+
+100
+00:10:46,260 --> 00:10:52,280
+تحدثنا عن المرابحة المصرفية،
+
+101
+00:10:52,280 --> 00:10:56,720
+متولدة عن بيع المرابحة، وبيع الأمانة، الذي هو بيع
+
+102
+00:10:56,720 --> 00:11:02,260
+صحيح، وجائز، ومعروف. أختصر منّا ذلك أن نتحدث عن
+
+103
+00:11:02,260 --> 00:11:06,210
+المرابحة. لما تحدثنا عن الإيجار المنتهي بالتمليك،
+
+104
+00:11:06,210 --> 00:11:10,410
+كذلك اقتضى الأمر منّا، عشان نفهم الإيجار،
+
+105
+00:11:10,410 --> 00:11:13,390
+المنتهي بالتمليك، أن نتحدث عن الإيجار. لأن واضح أن
+
+106
+00:11:13,390 --> 00:11:19,790
+هذه متولدة، أو متفرعة عنها. اليوم، عندنا معاملة فعلاً
+
+107
+00:11:19,790 --> 00:11:24,050
+جديدة، اسمها المشاركة المنتهية بالتمليك. واضح جداً
+
+108
+00:11:24,050 --> 00:11:31,610
+أنها تنتمي إلى مؤسسة الشركات، أو إلى معاملة الشركات
+
+109
+00:11:31,610 --> 00:11:38,240
+المعروفة. الشركاء...الشركة في الإسلام...الشركة في
+
+110
+00:11:38,240 --> 00:11:45,360
+الفقه الإسلامي، معروفة بمعناها، معروفة بتعريفها،
+
+111
+00:11:45,360 --> 00:11:52,940
+معروفة بأنواعها، معروفة ثُقلاً وواقعاً ومعاملة.
+
+112
+00:11:57,040 --> 00:12:03,400
+ولذلك، كان لابد أن نبدأ الحديث أولاً عن الشركة، أو عن
+
+113
+00:12:03,400 --> 00:12:09,660
+الشركات، أولاً، بشأن الإجازة كما هي عند علماء المسلمين،
+
+114
+00:12:11,260 --> 00:12:21,260
+لكي يتسنى لنا بعد ذلك فهم وتصور هذه حقيقة المشاركة
+
+115
+00:12:21,260 --> 00:12:29,720
+المنتهية بالتمليك، والتي تعود وتنتمي إلى سلة
+
+116
+00:12:29,720 --> 00:12:34,920
+الشركات، أو سلة الشركة بأنواعها المختلفة. فما هي
+
+117
+00:12:34,920 --> 00:12:42,990
+الشركة؟ من حيث المعنى والتعريف، وما هي دلالة مشروعيتها،
+
+118
+00:12:42,990 --> 00:12:49,190
+وما هي أنواعها؟ سنبدأ الحديث عن هذا، ولكن مرة أخرى،
+
+119
+00:12:49,190 --> 00:12:55,730
+يا إخوة، أو دعوني أترك هذا أثناء الحديث. الشركة لغةً،
+
+120
+00:12:55,730 --> 00:13:06,170
+الشركة لغة هي الخلط بين المالين، خلطاً لا يتميز. وهذا
+
+121
+00:13:06,170 --> 00:13:11,030
+ما أشار إليه أحمد هنا، وظن أنه هو المقصود، وليس كذلك.
+
+122
+00:13:11,030 --> 00:13:18,350
+الشركة...أي شركة بين اثنين، هي شركة...هي خلط
+
+123
+00:13:18,350 --> 00:13:27,090
+للمال...للمال، المستحق في الآخر، للشريكين. خلطاً لا
+
+124
+00:13:27,090 --> 00:13:33,520
+يتميز به نصيب أحدهما عن الآخر. خلطاً لا يتميز به نصيب
+
+125
+00:13:33,520 --> 00:13:40,180
+أحدهما. وهذا يعني فيه إشارات، أو يثير تساؤلاً، يعني، هل
+
+126
+00:13:40,180 --> 00:13:50,080
+ثمة من شراكة معينة يتميز فيها نصيب أحد الشريكين عن
+
+127
+00:13:50,080 --> 00:13:56,780
+الآخر؟ نعم، كيف؟
+
+128
+00:13:56,780 --> 00:14:05,690
+أو مثال؟ أقول مرة أخرى، الأصل في الشركة، أو في
+
+129
+00:14:05,690 --> 00:14:12,150
+الأموال المشتركة، أن لا يتميز مال أحد الشريكين عن
+
+130
+00:14:12,150 --> 00:14:18,150
+الآخر. نحن شركاء في محلات تبيع أجهزة إلكترونية،
+
+131
+00:14:18,150 --> 00:14:27,840
+كل قطعة، كل جهاز، كل سلك، هو إيه؟ ثمنه وربحه مشترك
+
+132
+00:14:27,840 --> 00:14:34,740
+بين الشركاء. فإذا بيع، لا يباع على حساب أحد الشركاء
+
+133
+00:14:34,740 --> 00:14:39,460
+دون الآخر، وإنما يباع على حساب الشركاء جميعاً. وإذا
+
+134
+00:14:39,460 --> 00:14:43,420
+خسر، يخسر على حساب الشركاء جميعاً. كل ما أحد ما بيقدر
+
+135
+00:14:43,420 --> 00:14:49,080
+يقول: هذه إليّ، وهذه للثاني...إلخ. كل قطعة، كل
+
+136
+00:14:49,080 --> 00:14:57,550
+حبة، إذا كان تجار قمح، كل حبة قمح...شركة بين الجميع، غير
+
+137
+00:14:57,550 --> 00:15:03,030
+...ليس من تمييز. اللي هم قطعان أغنام، مش هدراس، أو
+
+138
+00:15:03,030 --> 00:15:07,390
+هدرعشر، وأسئلة، وهدر...لا، هذه الشركة الحقيقية،
+
+139
+00:15:07,390 --> 00:15:14,210
+وهذه الشركة بمعناها اللغوي أساساً. لكن اللي خَلاّنا
+
+140
+00:15:14,210 --> 00:15:17,830
+نؤكد على أنه مسألة...واحد يقول: يعني، مادام هي
+
+141
+00:15:17,830 --> 00:15:21,530
+الشركة...واحد عارف إن هذا الكلام، أنه لا يتميز أحد
+
+142
+00:15:21,530 --> 00:15:27,920
+المالين عن الآخر، هو أن هناك نوع من الشركات، أو نوع
+
+143
+00:15:27,920 --> 00:15:33,720
+من الأموال المخلوطة، يُطلق عليه اسم الشركة
+
+144
+00:15:33,720 --> 00:15:43,160
+مجازاً، أقول: مجازاً. وتكون الأموال المخلوطة هذه، والتي
+
+145
+00:15:43,160 --> 00:15:53,960
+تبدو كأنها أموال مشتركة، تتميز فيها أموال كل واحد عن
+
+146
+00:15:53,960 --> 00:16:00,140
+الآخر، فهي ليست شركة بالمعنى الحقيقي، وإنما شركة
+
+147
+00:16:00,140 --> 00:16:05,360
+مجازاً. ما الذي جمع بينهما؟ ما الذي خلطهما، إن لم يكن
+
+148
+00:16:05,360 --> 00:16:11,380
+هناك شركة حقيقية؟ ما السبب؟ ما المسوغ وراء الخلط،
+
+149
+00:16:11,380 --> 00:16:16,520
+إذا لم يكن الخلط مقصوداً بالشركة الحقيقية؟ هناك
+
+150
+00:16:16,520 --> 00:16:23,100
+أحياناً أسباب تدعو إلى خلط الأموال مع بعضها البعض،
+
+151
+00:16:23,100 --> 00:16:32,440
+دون أن يكون هناك عدم تمييز، أو دون أن يكون المال
+
+152
+00:16:32,440 --> 00:16:37,000
+مشاعاً، أو مخلوطاً، وغير مميز، بل يكون خلطاً، ويظل
+
+153
+00:16:37,000 --> 00:16:45,040
+مميزاً. يعني، أنا أُمثّل لذلك: أنا صاحب أو لديّ قطيع من
+
+154
+00:16:45,040 --> 00:16:55,430
+الغنم، وليكن زياد عنده قطيع آخر من الغنم، أحمد. طيب،
+
+155
+00:16:55,430 --> 00:17:02,830
+فإنّا...ونحن جيران، بدل ما كل واحد يبعت القطيع مع
+
+156
+00:17:02,830 --> 00:17:09,710
+...مع راعٍ مستقل، ويعملوا حظيرة مستقلة، وبالتالي
+
+157
+00:17:09,710 --> 00:17:16,170
+تكاليف زائدة. نحن شطّار، بنقول إن نحن بنجيب راعٍ
+
+158
+00:17:16,170 --> 00:17:21,410
+واحد، وبنعمل لنا براكس واحد، حظيرة واحدة، وهار
+
+159
+00:17:21,410 --> 00:17:28,010
+بيحمل غنمه، وغنمه، قطيعه، وقطيعه. قطيع معروف،
+
+160
+00:17:28,010 --> 00:17:35,030
+عدداً، ونوعاً، ولوناً، وكله، معروفات، وقطيعه
+
+161
+00:17:35,030 --> 00:17:41,050
+معروف. لكن بيصرّحن مع بعض براعٍ واحد، وبرجعن بنامن
+
+162
+00:17:41,050 --> 00:17:47,090
+في حظيرة واحدة. هدول بتولد، هدول بتولد، كل واحد
+
+163
+00:17:47,090 --> 00:17:51,650
+بتولد إليه، وهذه بتموت منها على حسابي، لكن نحن
+
+164
+00:17:51,650 --> 00:17:55,870
+بنوفر بعض الشغلات: الأكل بنشتريه مع بعض بالجملة،
+
+165
+00:17:55,870 --> 00:18:02,610
+بيصير أرخص. في مسوّغات أحياناً للخلط غير الحقيقي، أو
+
+166
+00:18:02,610 --> 00:18:07,310
+لخلط الذي لا يفضي إلى شركة حقيقية. وهذا ما يسمى في
+
+167
+00:18:07,310 --> 00:18:10,590
+الفقه الإسلامي...يُعرف في الفقه الإسلامي، بالمناسبة،
+
+168
+00:18:10,590 --> 00:18
+
+223
+00:23:02,870 --> 00:23:09,190
+لواحد، لإثنين فأكثر على جهة الشيوع، على جهة الشيوع
+
+224
+00:23:09,190 --> 00:23:14,230
+هي نفس معنى أن لا يتميز مال أحدهم عن الآخر، زي
+
+225
+00:23:14,230 --> 00:23:20,930
+بالظبط واحد أو إخوة يموت أبوهم أو تموت أمهم أو
+
+226
+00:23:20,930 --> 00:23:30,020
+أحد مورثيهم يترك لهم قرابة عشرة دلوم مثلاً من الأراضي
+
+227
+00:23:30,020 --> 00:23:36,480
+الآن هم أصبحوا شركاء بموت أبيهم، مش من طبعاً يعني
+
+228
+00:23:36,480 --> 00:23:40,560
+لأن أسباب التملك ممكن تكون، الميراث أصبح العشرة
+
+229
+00:23:40,560 --> 00:23:46,440
+دلوم هذه مملوكة لمن؟ للجميع، أي نوع من الملكية؟
+
+230
+00:23:46,440 --> 00:23:51,160
+ملكية معروفة، مميزة، كل واحد نصيبه، كل واحد فيهم؟ لأ
+
+231
+00:23:51,160 --> 00:23:57,170
+إلى ما قبل الفرز ملكية شائعة، وبالتالي لا يستطيع
+
+232
+00:23:57,170 --> 00:24:03,840
+أحدهما أن يتصرف، اللي بيقول أنا بأخذ نص دولم براحة
+
+233
+00:24:03,840 --> 00:24:08,580
+لو بقى نص دولم، مش هينفع، اللي لما يميز حصته
+
+234
+00:24:08,580 --> 00:24:14,300
+بالتوافق، وعشان هيك ليش بتتم عملية لما بيصير فيه
+
+235
+00:24:14,300 --> 00:24:20,160
+موت ووراثة؟ بيصير في إحصاء وفرز أراضي عشان كل واحد
+
+236
+00:24:20,160 --> 00:24:24,560
+يصير يقدر يتصرف في أرضه الخاصة به، جاب لي هيك إيه
+
+237
+00:24:24,560 --> 00:24:29,840
+الملكية؟ لكن شائعة، وهذا يقتضي عدم جواز التصرف إلا
+
+238
+00:24:29,840 --> 00:24:35,860
+بالتنسيق والتوافق مع الآخرين، أي بضرورة الفرز مع
+
+239
+00:24:35,860 --> 00:24:42,200
+الآخرين، طيب، والشركة
+
+240
+00:24:42,200 --> 00:24:51,700
+يا إخوة، حقيقة، طبيعي جداً أن تكون مشروعة في شريعتنا
+
+241
+00:24:52,610 --> 00:25:03,430
+في ديننا العظيم، ذلك أن المصالح تتحقق بجلاء من
+
+242
+00:25:03,430 --> 00:25:12,150
+المشاركات، بجلاء، بوضوح، يعني مش شرق الجلاء، تتحقق
+
+243
+00:25:12,150 --> 00:25:20,070
+يعني بأبهى صورها، المصلحة عند المشاركة، الإنسان دائماً
+
+244
+00:25:20,070 --> 00:25:25,170
+بطبيعته يطمح، طموحاً لتحقيق أعظم الإنجازات، للوصول إلى
+
+245
+00:25:25,170 --> 00:25:31,490
+أعلى، يعني، المستويات، وهذا في العادة لا يتحقق بشخص
+
+246
+00:25:31,490 --> 00:25:36,830
+وحده، الواحد، مهما كان لديه قدرات، مهما كان عنده
+
+247
+00:25:36,830 --> 00:25:41,310
+عقليات، مهما كان عنده إمكانيات وأموال، لا يستطيع أن
+
+248
+00:25:41,310 --> 00:25:45,610
+يحقق مشاريع طموحة كبيرة، على مستوى الأمم، على مستوى
+
+249
+00:25:45,610 --> 00:25:51,840
+التاريخ، على مستوى المجتمع، لكن بمشاركة الآخرين تصنع
+
+250
+00:25:51,840 --> 00:25:56,160
+المشاريع العملاقة، تصنع المعجزات، تصنع إيش؟ ومن
+
+251
+00:25:56,160 --> 00:26:01,280
+هنا نحن نطالب بالوحدة والمصالحة عشان تتحقق إيش
+
+252
+00:26:01,280 --> 00:26:06,780
+إن شاء الله، المشاريع الكبرى، والنهضة الكبرى لكل
+
+253
+00:26:06,780 --> 00:26:07,740
+فلسطين، إن شاء الله
+
+254
+00:26:11,500 --> 00:26:18,860
+وهذا يا إخوة، فهمه الناس جميعاً، منذ وجود الإنسان
+
+255
+00:26:18,860 --> 00:26:25,240
+على هذه الأرض، وهو يفهم هذه المعادلة جيداً، ولذلك
+
+256
+00:26:25,240 --> 00:26:27,340
+تجد الناس بطبيعتهم
+
+257
+00:26:29,460 --> 00:26:34,560
+يتعاملون مع بعضهم البعض، ويمدون أيديهم لبعضهم البعض
+
+258
+00:26:34,560 --> 00:26:41,000
+للتشارك في أعمال كثيرة، لأن كل واحد منهم يعلم أنه
+
+259
+00:26:41,000 --> 00:26:46,060
+لا يستطيع أن ينجز عمله، حتى الذي يريحه والذي يخصه
+
+260
+00:26:46,060 --> 00:26:50,260
+إلا بمشاركة الآخرين، وكذلك إذا أراد أن ينجز أي
+
+261
+00:26:50,260 --> 00:26:55,360
+أعمال أخرى، تجارية، صناعية، لابد يعني من أفضل، تعمل
+
+262
+00:26:55,360 --> 00:27:00,600
+مشروع تجاري، رأسماله 100 ألف، واللي رأس ماله 500
+
+263
+00:27:00,600 --> 00:27:04,900
+ألف، أو مليون ألف؟ بالطبع، أنت المشروع اللي بيبدأ
+
+264
+00:27:04,900 --> 00:27:09,280
+جداً، وأنت في التجارة اللي بيبدأ جداً يعني بتلاقي
+
+265
+00:27:09,280 --> 00:27:14,420
+على طول يعني، بيمشي في السوق، والربح على طول في
+
+266
+00:27:14,420 --> 00:27:18,440
+السوق، غير اللي بده يبدأ واحدة واحدة، بده عشر سنين
+
+267
+00:27:18,440 --> 00:27:24,320
+لما...يعني بتفرج، والإنجازات والربح بيكون أكبر...
+
+268
+00:27:24,320 --> 00:27:27,760
+يعني... وهذا إيش...يعني أنا دائماً بضرب مثال لو
+
+269
+00:27:27,760 --> 00:27:34,480
+أنت بدك تحمل أي ثقل...أي...يعني...جد...يعني
+
+270
+00:27:34,480 --> 00:27:38,220
+غاية ما تستطيع، تصل لعند شيء معين مثلاً خمسين كيلو
+
+271
+00:27:38,220 --> 00:27:42,780
+بتحمله لحالك، لكن لو كنتم اثنين بشكل أو بآخر ممكن
+
+272
+00:27:42,780 --> 00:27:48,720
+تحمله مئة وخمسين كيلو،  إلى ذلك توفير يعني وقت، و
+
+273
+00:27:48,720 --> 00:27:54,000
+توفير جهد، وتوفير ف...و مهما كان الإنسان لوحده
+
+274
+00:27:54,000 --> 00:27:59,900
+تفوته بعض الأشياء، لما نكون اثنين، آه بتلاقي آه لأ
+
+275
+00:27:59,900 --> 00:28:04,520
+في كذا، سبحان الله، ولذلك الشورى كان مبدأ أساسي من
+
+276
+00:28:04,520 --> 00:28:10,150
+مبادئ الحكم، ومبادئ الإسلام، استشار ولا خبأ من
+
+277
+00:28:10,150 --> 00:28:18,290
+استشارة دائماً، حتى لو كان حاكماً، لو كان رب أسرة، لا
+
+278
+00:28:18,290 --> 00:28:23,230
+دكتاتورية في الإسلام، فيه شورى، فيه احترام للآراء
+
+279
+00:28:24,710 --> 00:28:30,570
+وتقليب لها، وإشراك أصحاب الكفاءات، هكذا ينبغي أن
+
+280
+00:28:30,570 --> 00:28:36,210
+يكون التعامل، وأن تكون العلاقة بين أفراد المسلمين
+
+281
+00:28:36,210 --> 00:28:42,270
+حكاماً ومحكومين، وبين كل أفراد المجتمع المسلم، إذا
+
+282
+00:28:42,270 --> 00:28:47,290
+الشركة يا إخوان، حقيقة، طبيعي أن تكون جائزة، وذلك أن
+
+283
+00:28:47,290 --> 00:28:52,240
+شريعتنا أتت بكل ما فيه مصلحة، لا يُعقل أن تكون
+
+284
+00:28:52,240 --> 00:28:56,820
+الشركات...والمثل تبع الدرج اللي بيقول الشرك تركي
+
+285
+00:28:56,820 --> 00:29:02,300
+هذا مثل، حقيقة، إنما جاء في غفلة من الزمان، إن صح
+
+286
+00:29:02,300 --> 00:29:09,480
+التعبير، بمعنى أنه جاء في ظروف استثنائية، في ظروف
+
+287
+00:29:09,480 --> 00:29:17,110
+فسدت فيها الذمم، وانهزمت فيها الأمة، ويعني ظروف صعبة
+
+288
+00:29:17,110 --> 00:29:21,370
+يعني شوية، وطغت المادة، فلم يعد هناك ثقة بين الناس
+
+289
+00:29:21,370 --> 00:29:27,870
+وبعضهم البعض، وهذا كان سبب للتخلف، واضح أننا نعيش
+
+290
+00:29:27,870 --> 00:29:33,970
+في زمن تخلف فيه المسلمون، وتقهقروا، وانهزموا بسبب مثل
+
+291
+00:29:33,970 --> 00:29:39,010
+هذه ال...فأنتجت مثل هذه المفاهيم، ومثل هذه الأمثال
+
+292
+00:29:39,010 --> 00:29:45,180
+وإلخ، لكن الحقيقة أن الشركة بركة، بكل ما تعنيه
+
+293
+00:29:45,180 --> 00:29:49,260
+البركة من معنى، بركة في الرزق، بركة في العلاقات
+
+294
+00:29:49,260 --> 00:29:55,660
+الاجتماعية، وهل من بركة أعظم من أن يكون رب
+
+295
+00:29:55,660 --> 00:30:02,320
+العالمين شريكاً للشركاء؟
+
+296
+00:30:02,320 --> 00:30:05,760
+النبي صلى الله عليه وسلم، ماذا يقول في الحديث
+
+297
+00:30:05,760 --> 00:30:09,960
+القدسي الذي يرويه عن ربه؟ أنا رب العالمين، يعني
+
+298
+00:30:09,960 --> 00:30:16,260
+يتحدث، أنا ثالث الشريكين، بس يعني في شرط عشان يكون
+
+299
+00:30:16,260 --> 00:30:21,280
+ربنا ثالثهم، ربنا مش هيكاد، مش هيشارك مع ناس خوانة،
+
+300
+00:30:21,280 --> 00:30:27,920
+لأ، لازم الشركاء يكونوا أمناء، ما يتربصش كل واحد
+
+301
+00:30:27,920 --> 00:30:36,690
+بالآخر، لأ، أمناء، إذا كانوا أمناء، ربنا يضع البركة في
+
+302
+00:30:36,690 --> 00:30:43,050
+رزقهم، وفي مالهم، وفي تجارتهم، وفي ربحهم، أنا ثالث من
+
+303
+00:30:43,050 --> 00:30:49,830
+الشريكين، ما لم يتخاونوا، دبت الخيانة، ارتفعت البركة
+
+304
+00:30:49,830 --> 00:30:57,630
+ولم يعد هناك شراكة ربانية
+
+305
+00:30:59,710 --> 00:31:07,810
+إذاً، حقيقة، يعني، فالشركة بكل معنى الكلمة جائزة،
+
+306
+00:31:07,810 --> 00:31:16,410
+مباركة، مشروعة، مشجعة عليها، لما تحققه من مصالح كثيرة
+
+307
+00:31:17,410 --> 00:31:25,970
+إذاً هذا بالنسبة لمفهوم الشركة، وبالنسبة لمشروعيتها
+
+308
+00:31:25,970 --> 00:31:29,510
+وأدلة مشروعيتها كثيرة، من القرآن، من السنة، ومن
+
+309
+00:31:29,510 --> 00:31:36,730
+الإجماع، والبشرية كلها أجمعت على ذلك، قبل أن أتحدث
+
+310
+00:31:36,730 --> 00:31:40,970
+أيضاً عن البنوك، عن المعاملات المنتجة بالتمليك، عن
+
+311
+00:31:40,970 --> 00:31:45,090
+المشاركة المنتجة بالتمليك، يعني أقف عند هذه نقطة مهمة
+
+312
+00:31:45,090 --> 00:31:52,940
+أيضاً،  والأصل إلى شيء، وهي أنواع الشركات يا إخوة، الفقهاء
+
+313
+00:31:52,940 --> 00:31:58,700
+الفقهاء المسلمون، حقيقة، تناولوا موضوع الشركات
+
+314
+00:31:58,700 --> 00:32:03,220
+تناولاً مفصلاً
+
+315
+00:32:03,220 --> 00:32:09,740
+ويمكن أي واحد بيفتح في كتب الفقه الإسلامي سيجد
+
+316
+00:32:09,740 --> 00:32:17,520
+أبواباً مستقلة، خاصة بموضوع الشركات، تفصل تفصيلاً دقيقاً
+
+317
+00:32:17,520 --> 00:32:25,280
+حقيقة الشركات، والأحكام المتعلقة بالشركات، والأنواع
+
+318
+00:32:25,280 --> 00:32:30,320
+المتعلقة بالشركات، لأن الشركة تعني علاقة بين اثنين
+
+319
+00:32:30,320 --> 00:32:36,900
+أو أكثر، وغالباً ما تكون هناك اختلافات بين الشركات
+
+320
+00:32:36,900 --> 00:32:43,080
+تحتاج إلى تحكيم، أو إلى أحكام واضحة، حتى تقطع الخلاف
+
+321
+00:32:43,080 --> 00:32:51,920
+وتحسمه، وقد بنى ذلك علماؤنا في كتبهم الفقهية، وبيّنوا
+
+322
+00:32:51,920 --> 00:32:57,140
+يعني الأحكام بوضوح، وبيّنوا قبلها الأنواع التي
+
+323
+00:32:57,140 --> 00:33:01,520
+تتعلق، وما يجوز، وما لا يجوز، وما يترتب على ذلك من
+
+324
+00:33:01,520 --> 00:33:07,780
+أحكام مفصلة، وماذا يحق لهذا، وماذا يحق...يعني كل
+
+325
+00:33:07,780 --> 00:33:14,020
+نوع من أنواع الشركة فتحوا له باباً، وكل نوع يمكن أن
+
+326
+00:33:14,020 --> 00:33:20,660
+يتم البحث فيه في كتاب، أو كتابين، أو ثلاثة من الكتب
+
+327
+00:33:20,660 --> 00:33:24,520
+على أي حال، هنا أنا أذكر فقط أهم أنواع الشركات
+
+328
+00:33:24,520 --> 00:33:31,960
+التي تؤكد على مدى التفصيل الذي تناوله علماؤنا في
+
+329
+00:33:31,960 --> 00:33:37,860
+مسألة الشركات، الشركات، يعني عرف المسلمون من أنواع
+
+330
+00:33:37,860 --> 00:33:40,000
+الشركات أربعة أو خمسة أنواع
+
+331
+00:33:46,550 --> 00:33:57,550
+صحيح، شركة العنان، شركة الأبدان، شركة الوجوه، شركة
+
+332
+00:33:57,550 --> 00:34:02,570
+الأبدان هي الأعمال، شركة الأبدان أو الأعمال، شركة
+
+333
+00:34:02,570 --> 00:34:11,290
+الوجوه، شركة المضاربة، وشركة المفاوضة، طيب، صاروا خمسة
+
+334
+00:34:11,290 --> 00:34:19,830
+باختصار، شركة العنان هي يعني شركة عادية، هي الشركات
+
+335
+00:34:19,830 --> 00:34:24,630
+التي نفهمها، شركة بين اثنين فأكثر في المال
+
+336
+00:34:24,630 --> 00:34:30,310
+والعمل، اثنين أو ثلاثة، كل واحد عشرة آلاف، عشرة آلاف،
+
+337
+00:34:30,310 --> 00:34:34,390
+عشرة آلاف، يلا نعمل سوبرماركت، يلا نعمل مصنع، يلا
+
+338
+00:34:34,390 --> 00:34:41,730
+نعمل ما نعمل، طوب، والثلاثة على رأس أعمالهم، الثلاثة
+
+339
+00:34:41,730 --> 00:34:47,310
+شغالين، والثلاثة أموالهم، هم مشاركون بأموالهم بالتساوي
+
+340
+00:34:47,310 --> 00:34:52,790
+أو الاثنين، أو الأربعة، هذه شركة عنان تماماً، الأرباح
+
+341
+00:34:52,790 --> 00:34:59,100
+بحسب يعني، كل حسب نصيبه، كل واحد، والمخسر كذلك، وهناك شروط
+
+342
+00:34:59,100 --> 00:35:03,920
+على رأسها أن يكون المال معلوماً، وأن يكون حاضراً، مش
+
+343
+00:35:03,920 --> 00:35:06,620
+في الذمة، واحد يقول ده إن أنا بأخش وبعطيكم بصاري
+
+344
+00:35:06,620 --> 00:35:11,660
+بين الربح، لا، شركة العنان، كل واحد بده يدفع نصيبه
+
+345
+00:35:11,660 --> 00:35:19,960
+نصيبه في الشركة، وبده كمان يكون معلوماً جداً، دفع آه
+
+346
+00:35:19,960 --> 00:35:23,840
+وهذه يعني شركة العنان، ما فيها مشكلة أبداً من حيث
+
+347
+00:35:23,840 --> 00:35:28,980
+حكمها، وهي يعني حقيقة أرقى أنواع الشركات وأعدلها
+
+348
+00:35:28,980 --> 00:35:36,100
+لأنه مساهمة بالمال وبالعمل متكافئة، مساهمات
+
+349
+00:35:36,100 --> 00:35:44,700
+متكافئة، النوع الثاني، شركات الأبدان مثلاً، يعني
+
+350
+00:35:44,700 --> 00:35:49,760
+شوفوا سبحان الله يا إخوان، لم تقف...لم...لم...
+
+351
+00:35:49,760 --> 00:35:54,140
+لم...تقف أنواع الشركات في الفقه الإسلامي على هذه
+
+352
+00:35:54,140 --> 00:36:00,060
+الشركة، ذلك أنه توسعة على الناس، في ناس ما عندهم
+
+353
+00:36:00,060 --> 00:36:03,760
+أموال، يشاركوا، وفي عند ناس ما عندهم خبرة، في عندهم
+
+354
+00:36:03,760 --> 00:36:11,100
+كذا، فالآن تبدأ أنواع الشركات لكي تجمع بين أصحاب
+
+355
+00:36:11,100 --> 00:36:14,040
+الأموال وأصحاب الخبرات، أو أصحاب الخبرات فقط، أو
+
+356
+00:36:14,040 --> 00:36:19,280
+أصحاب الأموال فقط، أو...أو...يعني لكي لا يبقى
+
+357
+00:36:19,280 --> 00:36:20,700
+مجال لأحد
+
+358
+00:36:23,440 --> 00:36:29,780
+ليه يركّن إلى القعود؟ كله فيه مجال، اللي ما عنده
+
+359
+00:36:29,780 --> 00:36:33,280
+مال، عنده خبرة، عنده جهود، عنده قدرة على العمل، فيه
+
+360
+00:36:33,280 --> 00:36:39,600
+مجال، اللي ما عنده خبرة ومعرفة، فيه مجال، حتى اللي
+
+361
+00:36:39,600 --> 00:36:47,770
+ما عنده مال بالمرة، ومش لاقي حتى حد يشاركه، مرات بتيجي
+
+362
+00:36:47,770 --> 00:36:54,310
+شركة الأبدان، مجموعة...مجموعة من الصناع أو العمال
+
+363
+00:36:54,310 --> 00:36:59,050
+زي الحمالين والشيالين مثلاً، يعني لما بيبقى لحاله
+
+364
+00:36:59,050 --> 00:37:02,370
+يمكن ما يلاقيش حد يقول له تعال، لكن مجموعة، لأنه مرات
+
+365
+00:37:02,370 --> 00:37:06,390
+فيه مجاطير بدها تنزل أسمنت، بدها تنزل طحين، بدهم
+
+366
+00:37:06,390 --> 00:37:11,770
+مجموعة، فبتلاقي بشكل مجموعات، الحمالين أو الصناعين
+
+367
+00:37:11,770 --> 00:37:15,650
+أو إلى غير ذلك، ببقوا قاعدين على الطرقات عند ال...
+
+368
+00:37:15,650 --> 00:37:19,310
+آه، تيجي المجموعة، هذه شركة...شركة الأبدان أو شركة
+
+369
+00:37:19,310 --> 00:37:23,490
+الأعمال، بنزلهم، بطلعوا مع بعض، بنزلوا المقطورة، مش
+
+370
+00:37:23,490 --> 00:37:26,650
+مشكلة، نزلت خمسين كيس، أنت نزلت أربعين، أنت نزلت
+
+371
+00:37:26,650 --> 00:37:32,070
+أربعين، بنزلوها، بطلع لهم خمسماية شكل، كل واحد مية شكل،
+
+372
+00:37:32,070 --> 00:37:37,550
+مية شكل، آه، شركة، ممكن واحد منهم يشغل مص...يعني، تقبّل
+
+373
+00:37:37,550 --> 00:37:42,220
+شوية، يتريع، مش إشكال، يعني في...يعني، تفاهم، وفي
+
+374
+00:37:42,220 --> 00:37:47,700
+إتراحهم، أو إلى...إلى غير ذلك، زي الصيادين مثلاً
+
+375
+00:37:47,700 --> 00:37:53,440
+الصيادين اللي ما لهم مش مراكب، أو ممكن صاحب المركب
+
+376
+00:37:53,440 --> 00:37:57,580
+أو صاحب الباخرة يقول لهم أنا...يعني، هيعطيها لمجموعة
+
+377
+00:37:57,580 --> 00:38:00,480
+من الصيادين، أنا آخذ الثلث، الثلثين اللي بيطلعوا
+
+378
+00:38:01,580 --> 00:38:05,100
+بتوزعوا على الصيادين، لأن هذه عملية الصيد بدها...
+
+379
+00:38:05,100 --> 00:38:08,720
+بدها مزيد من العمال، هذا بده يسحب، هذا بده يفك،
+
+380
+00:38:08,720 --> 00:38:14,400
+هذا بده ينلقط، هذا بده يفرز السردين عن المليطة،
+
+381
+00:38:14,400 --> 00:38:20,640
+عن البوري، فيعني في الآخر طلعنا، الثلث لصاحب
+
+382
+00:38:20,640 --> 00:38:25,140
+الباخرة، والثلثين بنقسمهم علينا، هذه شركة...هم...
+
+383
+00:38:25,140 --> 00:38:29,700
+هؤلاء ما لهمش رأسمال خالص، لذلك الصياد مسكين وإن
+
+384
+00:38:29,700 --> 00:38:37,640
+السفينة كانت لمساكين دائماً، فلذلك يا إخوان هذه شركة
+
+385
+00:38:37,640 --> 00:38:43,260
+أبداً لمن لا مال له، ولا يجب من يشاركه، لكن هناك من
+
+386
+00:38:43,260 --> 00:38:49,660
+لا مال له وعنده خبرة، ويجد من يشاركه، فيجد أمامه
+
+387
+00:38:49,660 --> 00:38:55,500
+شركات المضاربة، شركة بين اثنين، أحدهم
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/aqknrW_DTQ4_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/aqknrW_DTQ4_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..e62f91aa4f07b85c76eb20db4fb16d3eb8d09686
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/aqknrW_DTQ4_postprocess.srt
@@ -0,0 +1,1672 @@
+1
+00:00:22,340 --> 00:00:25,800
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:25,800 --> 00:00:30,120
+على رسول الله وعلى آله وصحبه ومن اهتدأ بهديه
+
+3
+00:00:30,120 --> 00:00:39,280
+واستنى بسنته إلى يوم الدين وبعد نواصل حديثنا فيما
+
+4
+00:00:39,280 --> 00:00:46,640
+يتعلق ببعض المعاملات المعاصرة خاصة تلك التي تتعامل
+
+5
+00:00:46,640 --> 00:00:55,380
+بها البنوك الإسلامية وقد كنافي المحاضرة السابقة قد
+
+6
+00:00:55,380 --> 00:01:00,860
+انتهينا من الحديث عن الإيجارة المنتهية بالتمليك
+
+7
+00:01:00,860 --> 00:01:07,400
+والتي هي إحدى المعاملات المعاصرة التي استحدثتها
+
+8
+00:01:07,400 --> 00:01:14,420
+البنوك الإسلامية وبدأت تتعامل بهاعلى اعتبار أنها
+
+9
+00:01:14,420 --> 00:01:22,080
+معاملة تباعد بينها وبين المعاملات الربوية وتجذب
+
+10
+00:01:22,080 --> 00:01:30,600
+الزبائن الذين يرغبون في استثمار أموالهم بطريق
+
+11
+00:01:30,600 --> 00:01:37,780
+الحلال والتعامل بمعاملات إسلامية صحيحة
+
+12
+00:01:44,400 --> 00:01:49,560
+وانتهينا من هذه المعاملة تفصيلا واليوم أيها الأخوة
+
+13
+00:01:49,560 --> 00:01:56,840
+الكرام نتحدث عن معاملة جديدة من هذه المعاملات التي
+
+14
+00:01:56,840 --> 00:02:02,080
+تتعامل بها هذه البنوك الإسلامية والتي استحدثتها
+
+15
+00:02:02,080 --> 00:02:09,870
+كذلك لنفس الأسباب التي ذكرناها سابقا فالبنوكمجمعات
+
+16
+00:02:09,870 --> 00:02:14,730
+للأموال، مستودعات للأموال تحاول بكل وسيلة أن
+
+17
+00:02:14,730 --> 00:02:21,230
+تستثمر هذه الأموال وأن تنميها بكل الطرق المتاحة
+
+18
+00:02:21,230 --> 00:02:28,270
+والمباحة لكن البنوك الإسلامية تقيد نفسها باستثمار
+
+19
+00:02:28,270 --> 00:02:34,050
+أموالها بالطرق الشرعية والمباحة
+
+20
+00:02:34,050 --> 00:02:46,810
+وتحت مضلة الشرع وأحكامهوهذا يضيف عليها مسئولية من
+
+21
+00:02:46,810 --> 00:02:53,010
+حيث ضرورة الالتزام في كل معاملة أن تكون متوافقة
+
+22
+00:02:53,010 --> 00:02:59,150
+متناغمة مع الأحكام الشرعية وهذا يجعل إدارات البنوك
+
+23
+00:02:59,150 --> 00:03:07,530
+كما قلت دائما تفكرفي استحداث المزيد من المعاملات
+
+24
+00:03:07,530 --> 00:03:15,430
+حتى غير تلكم المعاملات المعروفة قديما وذلك لفتح
+
+25
+00:03:15,430 --> 00:03:19,930
+أبواب جديدة لجذب الزبائن لتوسيع دائرة التمويل
+
+26
+00:03:19,930 --> 00:03:28,630
+للمنافسة لكل هذه الأسباب المحيطة بتلكم البنكمما
+
+27
+00:03:28,630 --> 00:03:32,490
+استحدثته البنوك الإسلامية إضافة إلى ما سبق
+
+28
+00:03:32,490 --> 00:03:37,290
+المرابحة المصرفية رأينا أنهم استحدثوها الإجارة
+
+29
+00:03:37,290 --> 00:03:41,570
+المنتهية بالتمليك كذلك مما استحدثوه لكن يعني لا
+
+30
+00:03:41,570 --> 00:03:48,790
+تتوقف عملية البحث والنظر والإبداع في البحث عن
+
+31
+00:03:48,790 --> 00:03:55,850
+معاملات جديدة فمما استحدثوه كذلك المشاركة المنتهية
+
+32
+00:03:55,850 --> 00:03:56,850
+بالتمليك
+
+33
+00:04:00,160 --> 00:04:05,080
+و هنا نقف يعني بعض الوقفات قبل أن نتحدث في
+
+34
+00:04:05,080 --> 00:04:10,740
+المشاركة المنتهية بالتمليك من حيث التعريف و من حيث
+
+35
+00:04:10,740 --> 00:04:16,680
+الحكم و الأدلة و إلى غير ذلك كما هي عادتنا احنا
+
+36
+00:04:16,680 --> 00:04:20,000
+لما تحدثنا يا اخوة ان كنتم تذكرون عن الإجارة
+
+37
+00:04:20,000 --> 00:04:23,560
+المنتهية بالتمليككانت وقفتنا الأولى في الأنوان
+
+38
+00:04:23,560 --> 00:04:27,860
+ذاته وقلنا يومها بأن الإجارة المنتهية بالتمليك
+
+39
+00:04:27,860 --> 00:04:36,820
+يعني عنوان يستحق أن يقف عليه كل من لديه نظر ثاقب
+
+40
+00:04:36,820 --> 00:04:44,980
+من حيث إنه يتضمن الفاظ ومعاني متناقضة أو الفاظ تدل
+
+41
+00:04:44,980 --> 00:04:48,680
+على معاني متناقضة إجارة تنتهي بالتمليك هذا لا يتفق
+
+42
+00:04:49,080 --> 00:04:52,180
+أو لا يتوافق مع معنى الإجارة التي لا تنتهي
+
+43
+00:04:52,180 --> 00:04:57,320
+بالتمليك في العادة وقلنا بالتالي من أجل ذلك كان
+
+44
+00:04:57,320 --> 00:05:01,760
+لابد من المزيد من النظر ومزيد من البحث ومزيد من
+
+45
+00:05:01,760 --> 00:05:08,680
+البيانة لكن سؤالنا هنا عن المشاركة المنتهية
+
+46
+00:05:08,680 --> 00:05:12,760
+بالتمليك هنا
+
+47
+00:05:12,760 --> 00:05:18,910
+وقفة لكن من نوع آخر حول العنوان نفسهالمشاركة
+
+48
+00:05:18,910 --> 00:05:23,190
+المنتهية بالتمليك هناك الوقفة كانت لأن ثم تتناقضا
+
+49
+00:05:23,190 --> 00:05:28,250
+ظاهرا لكن هنا هل يوجد تناقض المشاركة المنتهية
+
+50
+00:05:28,250 --> 00:05:34,210
+بالتمليك أليست الشركة في حد ذاتها أو المشاركات حول
+
+51
+00:05:34,210 --> 00:05:41,590
+شيء معين الذي تحدث بين الشركاء ألا يكون هذا مملوكا
+
+52
+00:05:41,590 --> 00:05:48,540
+في حقيقة الأمر لكل الأطراف نعم يكون مملوكافأين
+
+53
+00:05:48,540 --> 00:05:54,200
+المشكلة إذا في المشاركة المنتهية بالتمليك؟ أو
+
+54
+00:05:54,200 --> 00:05:58,640
+لماذا هذه تسمية حتى المشاركة المنتهية بالتمليك إذا
+
+55
+00:05:58,640 --> 00:06:03,980
+كانت الشركة في حقيقة الأمر يعني هي مملكة ل .. ل ..
+
+56
+00:06:03,980 --> 00:06:11,500
+ل .. ل .. ل .. لكل شركاء؟ أينوجه التسمية، أين
+
+57
+00:06:11,500 --> 00:06:18,600
+الجديد في التسمية، المشاركة المنتهية بالتمليك، أين
+
+58
+00:06:18,600 --> 00:06:27,040
+الغرابة، أين الجدة، ماذا ترون؟ تفضل يا أحمدإن هي
+
+59
+00:06:27,040 --> 00:06:31,360
+الشركة مبنوكة على شيوات، نصيب كل واحد غير معلوم
+
+60
+00:06:31,360 --> 00:06:37,520
+تحديد، لما يقترض التمليك، التمليك بيكون نصيب كل
+
+61
+00:06:37,520 --> 00:06:40,300
+واحد معلوم، أما في المشاركة نصيب كل واحد غير
+
+62
+00:06:40,300 --> 00:06:46,370
+معلوم، يتصرف في ال .. في الملك كأنه شانعطيب يا حمد
+
+63
+00:06:46,370 --> 00:06:53,470
+أشكرك على الإجابة وإن لم تكن يعني قد وضعت النقاط
+
+64
+00:06:53,470 --> 00:06:57,690
+على الحروف هل من .. من .. من .. منكم من يضع نقاط
+
+65
+00:06:57,690 --> 00:07:04,890
+على الحروف؟ طيب ال .. الجديد أو ال .. ال .. ال ..
+
+66
+00:07:04,890 --> 00:07:10,190
+الإشكالية أو ال .. ال .. في التسمية أو اللافت
+
+67
+00:07:11,490 --> 00:07:17,290
+المقصود يا إخوة بالمشاركة المنتهية بالتمليك يعني
+
+68
+00:07:17,290 --> 00:07:20,430
+مع أنه قد يقول قائد كما قلت ماهي مملؤك للأطراف
+
+69
+00:07:20,430 --> 00:07:28,730
+المشاركة يعني كأن هناك شيئا مضمرا أو مقدرا مفهوم
+
+70
+00:07:28,730 --> 00:07:34,570
+ضمن لدى من وضعوا هذا المصطلح لكن يمكن احنا مش واضح
+
+71
+00:07:34,570 --> 00:07:40,640
+إليناالمشاركة كأن المقصود هنا بل هو كذلك أن
+
+72
+00:07:40,640 --> 00:07:48,300
+المشاركة المنتهية بتمليك أحد الشريكين نصيب الآخر
+
+73
+00:07:48,300 --> 00:07:51,420
+المشاركة
+
+74
+00:07:51,420 --> 00:08:01,000
+المنتهية بتمليك أحد الشريكين أو أحد الشركاء بنصيب
+
+75
+00:08:01,000 --> 00:08:02,420
+الآخرين
+
+76
+00:08:04,900 --> 00:08:11,000
+اعتقد هيك بيصير فيه وضوح اثنين شركاء او قبل ان
+
+77
+00:08:11,000 --> 00:08:16,940
+يشتركوا يتفقوا في ما بينهم على بناء شركة على
+
+78
+00:08:16,940 --> 00:08:24,700
+الدخول في شركة لكن احدهم يشترط على الآخر انه بعد
+
+79
+00:08:24,700 --> 00:08:31,720
+سنين محدودة سنتين تلاتة اربعة خمسة سبعة ان تقول
+
+80
+00:08:31,720 --> 00:08:32,600
+الشركة
+
+81
+00:08:36,480 --> 00:08:45,660
+بعد أن يُسدد الأقصاد
+
+82
+00:08:45,660 --> 00:08:55,900
+التي تشكل نصيب الشركاء أو الشريك الأخروفق اتفاقيات
+
+83
+00:08:55,900 --> 00:09:01,480
+واضحة واتفاقيات اذا كأنه المقصود المشاركة المنتهية
+
+84
+00:09:01,480 --> 00:09:11,180
+بتمليك احد الشريكين مصيبة الاخر في مدة معلومة وهذا
+
+85
+00:09:11,180 --> 00:09:18,140
+بالفعل بهذا المعنى تصبح المعاملة فيها وجه من الجدة
+
+86
+00:09:18,140 --> 00:09:22,960
+وجه من الغرابة ذلكأن العصبة في الشركات أن من
+
+87
+00:09:22,960 --> 00:09:30,640
+يدخلوا في الشركات يدخلوا يعني تأبيدا أو تنتهي
+
+88
+00:09:30,640 --> 00:09:37,520
+شركتهم بانتهاء المعابلة بانتهاء الصفقة وأن مسألة
+
+89
+00:09:37,520 --> 00:09:42,640
+الفصل هذه لا تتم إلا إذا وقع خلافات ولا يُعقل أن
+
+90
+00:09:42,640 --> 00:09:50,480
+يدخل إثنان في شراكة وهميضعون الخلافات في ما بينهم
+
+91
+00:09:50,480 --> 00:09:55,920
+يعني ولذلك هم أي شركاء بتأملوا أن شركتهم تمتد إلى
+
+92
+00:09:55,920 --> 00:10:05,290
+أن تتصفى أو إلى أن تظل دائمة على طوللكن أن تنتهي
+
+93
+00:10:05,290 --> 00:10:11,950
+هذه الشركة أو أن تقول ملكية الشركة بالكلية إلى أحد
+
+94
+00:10:11,950 --> 00:10:17,390
+الشركين يعني هذا شيء جديد وليس معروف بالفعل في
+
+95
+00:10:17,390 --> 00:10:24,490
+الفقه الإسلامي وفي أنواع الشركات القديمة طيب هذه
+
+96
+00:10:24,490 --> 00:10:27,990
+لفتة أحببت أن أشير إليها اللفتة أو النقطة الثانية
+
+97
+00:10:27,990 --> 00:10:34,560
+وهي نقطة معتادة نتحدث فيها في كل مرةأحنا في كل
+
+98
+00:10:34,560 --> 00:10:40,880
+معاملة جديدة نرى بوضوح أن المعاملة الجديدة تنتمي
+
+99
+00:10:40,880 --> 00:10:46,260
+إلى معاملة قديمة أو متولدة عن معاملة قديمة عندما
+
+100
+00:10:46,260 --> 00:10:52,280
+تحدثنا عن المرابحة المصرفية
+
+101
+00:10:52,280 --> 00:10:56,720
+متولدة عن بياء المرابحة وبيوع الأمانة اللي هو بيع
+
+102
+00:10:56,720 --> 00:11:02,260
+صحيح وجائز ومعروفواختصر مننا ذلك أن نتحدث عن
+
+103
+00:11:02,260 --> 00:11:06,210
+المرابحةلما تحدثنا عن الإيجار المنتهي بالتمليك
+
+104
+00:11:06,210 --> 00:11:10,410
+كذلك كان اقتضى الأمر مننا عشان نفهم الإيجار
+
+105
+00:11:10,410 --> 00:11:13,390
+المنتهي بالتمليك أن نتحدث عن الإيجار لأن واضح أن
+
+106
+00:11:13,390 --> 00:11:19,790
+هذه متولدة أو متفرعة عنها اليوم عندنا معاملة فعلا
+
+107
+00:11:19,790 --> 00:11:24,050
+جديدة اسمها المشاركة المنتهية بالتمليك واضح جدا
+
+108
+00:11:24,050 --> 00:11:31,610
+أنها تنتمي إلى مؤسسة الشركات أو إلى معاملة الشركات
+
+109
+00:11:31,610 --> 00:11:38,240
+المعروفةالشركاء .. الشركة في الإسلام .. الشركة في
+
+110
+00:11:38,240 --> 00:11:45,360
+الفقه الإسلامي معروفة بمعناها معروفة بتعريفها
+
+111
+00:11:45,360 --> 00:11:52,940
+معروفة بأنواعها معروفة ثقها و واقعا و معاملة
+
+112
+00:11:57,040 --> 00:12:03,400
+ولذلك كان لابد أن نبدأ الحديث أولا عن الشركة أو عن
+
+113
+00:12:03,400 --> 00:12:09,660
+الشركات أولا بشأن الإجاز كما هي عند علماء المسلمين
+
+114
+00:12:11,260 --> 00:12:21,260
+لكي يتصنى لنا بعد ذلك فهم وتصور هذه حقيقة المشاركة
+
+115
+00:12:21,260 --> 00:12:29,720
+المنتهية بالتمليك والتي تعود وتنتمي إلى سلة
+
+116
+00:12:29,720 --> 00:12:34,920
+الشركات أو سلة الشركة بأنواعها المختلفة فما هي
+
+117
+00:12:34,920 --> 00:12:42,990
+الشركة؟من حيث المعنى والتعريف وما هي دلة مشروعيتها
+
+118
+00:12:42,990 --> 00:12:49,190
+وما هي أنواعها سنبدأ الحديث عن هذا ولكن مرة أخرى
+
+119
+00:12:49,190 --> 00:12:55,730
+يا إخوة أو دعني أترك هذا أثناء الحديث الشركة لغة
+
+120
+00:12:55,730 --> 00:13:06,170
+الشركة لغة هي الخلط بين المالينخلطا لا يتميز وهذا
+
+121
+00:13:06,170 --> 00:13:11,030
+ما أشار إليه أحمد هنا وظن أنه هو المقصود وليس كذلك
+
+122
+00:13:11,030 --> 00:13:18,350
+الشركة .. أي شركة بين اثنين هي شركة .. هي خلط
+
+123
+00:13:18,350 --> 00:13:27,090
+للمال .. للمال المستحق في الآخر للشركين خلطا لا
+
+124
+00:13:27,090 --> 00:13:33,520
+يتميز به نصيب أحدهما عن الآخرخلطا لا يتميز به نصيب
+
+125
+00:13:33,520 --> 00:13:40,180
+أحدهم وهذا يعني فيه إشارات أو يثير تساؤل يعني هل
+
+126
+00:13:40,180 --> 00:13:50,080
+ثمة من شراكة معينة يتميز فيها نصيب أحد الشريكين عن
+
+127
+00:13:50,080 --> 00:13:56,780
+الآخر نعم كيف؟
+
+128
+00:13:56,780 --> 00:14:05,690
+أو مثال؟أقول مرة أخرى، الأصل في الشركة أو في
+
+129
+00:14:05,690 --> 00:14:12,150
+الأموال المشتركة أن لا يتميز مال أحد الشريكين عن
+
+130
+00:14:12,150 --> 00:14:18,150
+الآخر إحنا شركاء في محلات بتبيع أجهزة إلكترونية،
+
+131
+00:14:18,150 --> 00:14:27,840
+كل قطعة، كل جهاز، كل سلك هو إيه؟ثمنه وربحه مشترك
+
+132
+00:14:27,840 --> 00:14:34,740
+بين الشركاء فإذا بيع لا يباع على حساب أحد الشركاء
+
+133
+00:14:34,740 --> 00:14:39,460
+دون الآخر وإنما يباع على حساب الشركاء جميعا وإذا
+
+134
+00:14:39,460 --> 00:14:43,420
+خسر بيخسر على حساب الشركاء جميعا كل ما حد مش مقدر
+
+135
+00:14:43,420 --> 00:14:49,080
+يقول هذه إلي و هذه و الثاني يقول إلي لأ كل قطعة كل
+
+136
+00:14:49,080 --> 00:14:57,550
+حبة إذا كان تجار قمح كل حبة قمحشركة بين أجميع غير
+
+137
+00:14:57,550 --> 00:15:03,030
+.. ليس من تمييز اللي هم قطعان أغنام مش هدراس أو
+
+138
+00:15:03,030 --> 00:15:07,390
+هدرعشر واسئلة و هدير .. لأ هذه الشركة الحقيقية
+
+139
+00:15:07,390 --> 00:15:14,210
+وهذه الشركة بمعناها اللغوي أساسا لكن اللي خلانا
+
+140
+00:15:14,210 --> 00:15:17,830
+نأكد على أنه مسألة .. واحد يقول يعني مدام هي
+
+141
+00:15:17,830 --> 00:15:21,530
+الشركة .. واحد عارف إن هذا الكلام أنه لا يتميز أحد
+
+142
+00:15:21,530 --> 00:15:27,920
+المالين عن الآخرهو أن هناك نوع من الشركات أو نوع
+
+143
+00:15:27,920 --> 00:15:33,720
+من الأموال المخلوطة يسمى يُقلق عليه اسم الشركة
+
+144
+00:15:33,720 --> 00:15:43,160
+مجازا أقول تجوزا وتكون الأموال المخلوطة هذه والتي
+
+145
+00:15:43,160 --> 00:15:53,960
+تبدو كأنها أموال مشتركة تتميز فيها أموال كل واحدعن
+
+146
+00:15:53,960 --> 00:16:00,140
+الآخر فهي ليست شركة بالمعنى الحقيقي وانما شركة
+
+147
+00:16:00,140 --> 00:16:05,360
+تجاوزا ما الذي جمع بينهما؟ ما الذي خلطهم إن لم يكن
+
+148
+00:16:05,360 --> 00:16:11,380
+هناك شركة حقيقية؟ ما السبب؟ ما المسوغ ورا الخلط
+
+149
+00:16:11,380 --> 00:16:16,520
+إذا لم يكن الخلط مقصودا بالشركة الحقيقية؟ هناك
+
+150
+00:16:16,520 --> 00:16:23,100
+أحيانا أسبابتدهو إلى خلط الأموال مع بعضها البعض
+
+151
+00:16:23,100 --> 00:16:32,440
+دون أن يكون هناك عدم تمييز أو دون أن يكون المال
+
+152
+00:16:32,440 --> 00:16:37,000
+مشاعا أو مخلوطا و غير مميزا، بل يكون تخلط و تظل
+
+153
+00:16:37,000 --> 00:16:45,040
+مميزا يعني أنا أمثل لذلك أنا صاحب أو أندي قطيع من
+
+154
+00:16:45,040 --> 00:16:55,430
+الغنمواليازجي عنده قطيع اخر من الغنم احمد؟ طيب
+
+155
+00:16:55,430 --> 00:17:02,830
+فاحنا .. واحنا جيران بدل ما كل واحد يبعت القطيع مع
+
+156
+00:17:02,830 --> 00:17:09,710
+.. مع رأي مستقل ويعملوا حظيرة مستقلة وبالتالي
+
+157
+00:17:09,710 --> 00:17:16,170
+تكاليفزائدة احنا شطرين، بنقول ان احنا بنجيب رعى
+
+158
+00:17:16,170 --> 00:17:21,410
+واحد، و بنعمل لنا براكس واحد، حضيرة واحدة، و هار
+
+159
+00:17:21,410 --> 00:17:28,010
+بيحمل غنماده و غنماده، قطيعه و قطيعه، قطيع معروف،
+
+160
+00:17:28,010 --> 00:17:35,030
+عددا، و نوعا، و لونا، و كله، معروفات، و قطيعه
+
+161
+00:17:35,030 --> 00:17:41,050
+معروفلكن بيصرحن مع بعض براعي واحد و بيرجعن بنامن
+
+162
+00:17:41,050 --> 00:17:47,090
+في حضيرة واحدة هدول بتولد، هدول بتولد، كل واحد
+
+163
+00:17:47,090 --> 00:17:51,650
+بتولد إليه، و هدى بتموت منها على حسابى، لكن احنا
+
+164
+00:17:51,650 --> 00:17:55,870
+بنوفر بعض الشغلات، الأكل بنشتريه مع بعض بالجملة،
+
+165
+00:17:55,870 --> 00:18:02,610
+بصير أرخص، في مسوقات أحيانا للخلطغير الحقيقي أو
+
+166
+00:18:02,610 --> 00:18:07,310
+للخلط الذي لا يفضي إلى شركة حقيقية وهذا ما يسمى في
+
+167
+00:18:07,310 --> 00:18:10,590
+الفقه الإسلامي .. يعرف في الفقه الإسلامي بالمناسبة
+
+168
+00:18:10,590 --> 00:18:15,330
+وإن لم يكن معروفا ربما في .. يعني في أورف الشركات
+
+169
+00:18:15,330 --> 00:18:21,530
+الحديثة، ما يُعرف بشركة الجوارشركات أو شركات
+
+170
+00:18:21,530 --> 00:18:27,970
+الجوار شركة مجاورة شركة في الظاهر لكن حقيقة ليست
+
+171
+00:18:27,970 --> 00:18:34,030
+شركة شركة حقيقية ليست شركة خلط حقيقي بحيث لا يتميز
+
+172
+00:18:34,030 --> 00:18:39,190
+هذا المال عن ذاك لأ مميز لكن هنا أي واحد في الظاهر
+
+173
+00:18:39,190 --> 00:18:43,490
+في الغالب بيشوفهم والله بيفكرهم لوحدكأنهم كأنهم
+
+174
+00:18:43,490 --> 00:18:48,190
+لواحد أو لاتنين لكن دون ما يكون معروف هذا لمين
+
+175
+00:18:48,190 --> 00:18:52,410
+وهذا لمين كأنهم شركة بالفعل ولذلك حتى ترتب على هذا
+
+176
+00:18:52,410 --> 00:18:56,870
+أثر في الفقه الإستاني من حيث الذكاء مثلا في الذكاء
+
+177
+00:18:56,870 --> 00:19:01,790
+يا إخوة الأصل في ذكاء الغنم مثلا وانتوا مارا
+
+178
+00:19:01,790 --> 00:19:07,070
+عليكوا هذا في كل أربعين شا شا بعد أن يحول الحول
+
+179
+00:19:07,070 --> 00:19:10,670
+واحد عنده أربعين شاحال عليها الحول بدوا يدفع في
+
+180
+00:19:10,670 --> 00:19:16,010
+أخر السنة شعر منها ذكاتها إذا كانت طبعا سائمة، هذا
+
+181
+00:19:16,010 --> 00:19:20,270
+اللي بترعى، غير السائمة لأ اللي بتتربى في الحظاير
+
+182
+00:19:20,270 --> 00:19:24,190
+و بتجيب أكل و شورب و كذا، في السائمة اللي يعني
+
+183
+00:19:24,190 --> 00:19:28,650
+بترعى في المراعي المجانية الخالية هذه
+
+184
+00:19:32,440 --> 00:19:40,520
+ماشي في كل اربعين شاء شاء طب انا عندي تلاتين شاء
+
+185
+00:19:40,520 --> 00:19:46,230
+مافي علي هذا شاءلو بقى مر السنة ولا .. إلا لما
+
+186
+00:19:46,230 --> 00:19:50,050
+تصير أربعين، تمام؟ لكن أنا لو خلط، أنا عندي
+
+187
+00:19:50,050 --> 00:19:54,910
+تلاتين، وأحمد عنده كمان تلاتين، صاروا مع بعض ستين،
+
+188
+00:19:54,910 --> 00:20:00,350
+هنا صار محال خلاف بين العلماء، يعني بعض العلماء
+
+189
+00:20:00,350 --> 00:20:04,530
+قالوا هذه شركة، بدليل أنه مفروع على حالهم واحد،
+
+190
+00:20:04,530 --> 00:20:09,050
+اتنين، تلاتة، أربعة، هاأه يعني انتوا لو كل واحد
+
+191
+00:20:09,050 --> 00:20:14,590
+بده ييجي يعني يجسم أمواله و يصير يعمل عملية شركات
+
+192
+00:20:14,590 --> 00:20:19,230
+مجاورة، بيت المال هيخسر و الفرقار هيتضرر، لأ انت
+
+193
+00:20:19,230 --> 00:20:23,230
+استفدت من واحد و اتنين و تلاتي و القاعدة العاملة
+
+194
+00:20:23,230 --> 00:20:28,320
+اسمها الغرم بالغنم أو الغنم بالغرم يعنيفخلوا
+
+195
+00:20:28,320 --> 00:20:33,380
+الفقراء نصيبهم فأخدوا منهم يعني وبالتالي طيب هنطلع
+
+196
+00:20:33,380 --> 00:20:38,960
+الشا من حصة فلاد ولا من حصة علاد؟ مش إشكال أي واحد
+
+197
+00:20:38,960 --> 00:20:42,240
+و التاني بدفع نص الثمن لو أنا عندي تلاتين و هو
+
+198
+00:20:42,240 --> 00:20:48,900
+عنده تلاتين هصير ستين عليهم شا لأنه مش هصير شتين
+
+199
+00:20:48,900 --> 00:20:54,000
+إلا لما يصيروا مية واحد عليهم شا أنا بدفع .. أخدوا
+
+200
+00:20:54,000 --> 00:20:59,600
+الشا من حصة أحمد؟زياد بيدفع نص ثمنها حقها 100
+
+201
+00:20:59,600 --> 00:21:05,040
+دينار ايه 50 دينار وانتهى طبعا هو الادارة قبل ما
+
+202
+00:21:05,040 --> 00:21:08,600
+يخش الشركة المجاورة هذه بيحسبها هل ال 50 دينار اذا
+
+203
+00:21:08,600 --> 00:21:13,640
+كان يعني شوية جلدة اذا هل ال 50 دينار هذي اللي
+
+204
+00:21:13,640 --> 00:21:20,200
+بتدفعها ذكاء من اكتر يعنيأقل من النفقات اللى
+
+205
+00:21:20,200 --> 00:21:25,440
+هوفرها من أجرة الراعي ومن ثمن البراكس ومن التوفير
+
+206
+00:21:25,440 --> 00:21:30,340
+في بيع الجملة او شراء الليل .. يعني إذا لجاها أوفر
+
+207
+00:21:30,340 --> 00:21:33,840
+بقولك يلا بندفعهن، إذا لجاها مش أوفر، لأ والله
+
+208
+00:21:33,840 --> 00:21:38,000
+بخليني انا امتلاتين ده حالة نرعن او بدفعش إيش
+
+209
+00:21:38,000 --> 00:21:43,310
+الذكاء، على كل الأحوالفما سألت إنه لما نقول الشركة
+
+210
+00:21:43,310 --> 00:21:49,530
+خلق بين مالين لا يتميز لا يتميز مال أحدهم عن الآخر
+
+211
+00:21:49,530 --> 00:21:56,130
+هذه إلهة دلالة يا أخواتي يا إخوة لأنه ممكن فيها
+
+212
+00:21:56,130 --> 00:22:04,910
+نوع شركات ظاهرية ويتميز فيها أحد المالين عن الآخر
+
+213
+00:22:04,910 --> 00:22:08,830
+معروف كل المال لكن هو تم جمعه
+
+214
+00:22:11,230 --> 00:22:17,610
+بين تم جمعه في أحوال معينة لأسباب معينة تم إشراكه
+
+215
+00:22:17,610 --> 00:22:22,190
+يعني الشركة خلط كما خلطه تم جمعه مع بعضه البعض
+
+216
+00:22:22,190 --> 00:22:30,070
+لأسباب معينة طيب إذا و المعنى الاصطلاحي في الشركات
+
+217
+00:22:30,070 --> 00:22:35,060
+هو ذات المعنى اللغوي لا يختلففي الشركات المعروفة
+
+218
+00:22:35,060 --> 00:22:40,160
+شركات المعاملات المالية في الفقه و غير الفقه هي
+
+219
+00:22:40,160 --> 00:22:44,360
+ذات المعنى اللغوي اللتي هي عبارة عن خلط بين
+
+220
+00:22:44,360 --> 00:22:51,240
+الأموال اللتي لا يتميز بها أحد المالين عن الآخر
+
+221
+00:22:51,240 --> 00:22:56,400
+ولذلك قالوا في التعريف للشركة هي عبارة عن ثبوت
+
+222
+00:22:56,400 --> 00:23:02,870
+الحقيعني في المال ثبوت الحق في شيء لإثنين، مش
+
+223
+00:23:02,870 --> 00:23:09,190
+لواحد، لإثنين فأكتر على جهة الشيوع، على جهة الشيوع
+
+224
+00:23:09,190 --> 00:23:14,230
+هي نفس معنى أن لا يتميز مال أحدهم عن الآخر، زي
+
+225
+00:23:14,230 --> 00:23:20,930
+بالظبط واحد أو أخوة تموت أبوهم أو بتموت أمهم أو
+
+226
+00:23:20,930 --> 00:23:30,020
+أحد مورثيهم يترك له قرابةعشرة دلوم مثلا من الأراضي
+
+227
+00:23:30,020 --> 00:23:36,480
+الآن هم أصبحوا شركاء بموت أبيهم مش من طبعا يعني
+
+228
+00:23:36,480 --> 00:23:40,560
+لأن أسباب التملج ممكن تكون الميرا أصبحت العشرة
+
+229
+00:23:40,560 --> 00:23:46,440
+دلوم هذه مملوكة لمين؟ للجميع أي نوع من الملكية
+
+230
+00:23:46,440 --> 00:23:51,160
+ملكية معروفة مميز كل واحد نصيبه كل واحد في أوم؟ لأ
+
+231
+00:23:51,160 --> 00:23:57,170
+إلى ما قبل الفرزملكية شائعة وبالتالي لا يستطيع
+
+232
+00:23:57,170 --> 00:24:03,840
+أحدهما أن يتصرفاللي بيقول انا بطلع لنص دولم براحة
+
+233
+00:24:03,840 --> 00:24:08,580
+لو بقى نص دولم مش هينفع اللي لما يميز حصته
+
+234
+00:24:08,580 --> 00:24:14,300
+بالتوافق وعشان هيك ليش بتتم عملية لما بيصير فيه
+
+235
+00:24:14,300 --> 00:24:20,160
+موت ووراثة بيصير في إحصاء وفرز أراضي عشان كل واحد
+
+236
+00:24:20,160 --> 00:24:24,560
+يصير يقدر يتصرف في أرضه الخاصة بيه جاب لي هيك إيه
+
+237
+00:24:24,560 --> 00:24:29,840
+الملكية؟لكن شائعة وهذا يقتضي عدم جواز التصرف إلا
+
+238
+00:24:29,840 --> 00:24:35,860
+بالتنسيق والتوافق مع الآخرين أي بدرورة الفرز مع
+
+239
+00:24:35,860 --> 00:24:42,200
+الآخرين طيب وشركة
+
+240
+00:24:42,200 --> 00:24:51,700
+يا إخوة حقيقة طبيعي جدا أن تكون مشروعة في شريعتنا
+
+241
+00:24:52,610 --> 00:25:03,430
+في ديننا العظيم ذلك أن المصالح تتحقق بجلاء من
+
+242
+00:25:03,430 --> 00:25:12,150
+المشاركات بجلاء بوضوح يعني مش شرق الجلاء تتحقق
+
+243
+00:25:12,150 --> 00:25:20,070
+يعني بأبهر صورها المصلحة عند المشاركةالانسان دائما
+
+244
+00:25:20,070 --> 00:25:25,170
+بطبيعته يطمح طموح لتحقيق أعظم الإنجازات للوصول إلى
+
+245
+00:25:25,170 --> 00:25:31,490
+أعلى يعني المستويات وهذا في العادة لا يتحقق بشخص
+
+246
+00:25:31,490 --> 00:25:36,830
+وحده الواحد مهما كان لديه قدرات مهما كان عنده
+
+247
+00:25:36,830 --> 00:25:41,310
+عقليات مهما كان عنده إمكانيات وأموال لا يستطيع أن
+
+248
+00:25:41,310 --> 00:25:45,610
+يحقق مشاريع طموحة كبيرة على مستوى الأم على مستوى
+
+249
+00:25:45,610 --> 00:25:51,840
+التاريخ على مستوى المجتمعولكن بمشاركة الآخرين تصنع
+
+250
+00:25:51,840 --> 00:25:56,160
+المشاريع الأملاقة، تصنع المعجزات، تصنع ايش؟ ومن
+
+251
+00:25:56,160 --> 00:26:01,280
+هنا احنا بنطالب الوحدة و المصالحة عشان تتحقق ايش
+
+252
+00:26:01,280 --> 00:26:06,780
+ان شاء الله المشاريع الكبرى والتحرير الأكبر لكل
+
+253
+00:26:06,780 --> 00:26:07,740
+فلسطين ان شاء الله
+
+254
+00:26:11,500 --> 00:26:18,860
+وهذا يا اخوة فاهمه الناس جميعا، منذ وجود الإنسان
+
+255
+00:26:18,860 --> 00:26:25,240
+على هذه الأرض، وهو يفهم هذه المعادلة جيدا، ولذلك
+
+256
+00:26:25,240 --> 00:26:27,340
+تجد الناس بطبائهم
+
+257
+00:26:29,460 --> 00:26:34,560
+يتعاملون مع بعضهم البعض ويمدون أيديهم لبعضهم البعض
+
+258
+00:26:34,560 --> 00:26:41,000
+للتشارك في أعمال كثيرة لأن كل واحد منهم يعلم أنه
+
+259
+00:26:41,000 --> 00:26:46,060
+لا يستطيع أن ينجز عمله حتى الذي يريحه والذي يخصه
+
+260
+00:26:46,060 --> 00:26:50,260
+إلا بمشاركة الأخرين وكذلك إذا أراد أن ينجز أي
+
+261
+00:26:50,260 --> 00:26:55,360
+أعمال أخرى تجارية صناعية لابد يعني من أفضل تعمل
+
+262
+00:26:55,360 --> 00:27:00,600
+مشروع تجاري رأسماله 100 ألفواللي رأس ماله خمسمية
+
+263
+00:27:00,600 --> 00:27:04,900
+ألف ولا متين ألف؟ بالطبع انت المشروع اللي بيبدي
+
+264
+00:27:04,900 --> 00:27:09,280
+جوي وانت تعيين التجارة اللي بيبدي جوي يعني بتلاجي
+
+265
+00:27:09,280 --> 00:27:14,420
+على طول يعني بيمشي في السوق و الربح على طول في
+
+266
+00:27:14,420 --> 00:27:18,440
+السوق غير اللي بده بيبدي واحدة واحدة بده عشر سنين
+
+267
+00:27:18,440 --> 00:27:24,320
+لما ..يعني بتفرجوالإنجازات و الربح بيكون أكبر ..
+
+268
+00:27:24,320 --> 00:27:27,760
+يعني .. و هذا اش .. يعني أنا دايما بضرب مثال لو
+
+269
+00:27:27,760 --> 00:27:34,480
+أنت بدك تحمل أي ثقل .. اي .. يعني .. جد .. يعني
+
+270
+00:27:34,480 --> 00:27:38,220
+غاية ما تستطيع تصل لعند شيء معين مثلا خمسين كيلو
+
+271
+00:27:38,220 --> 00:27:42,780
+بتحمله لحالك لكن لو كنتوا اتنين بشكل أو باخر ممكن
+
+272
+00:27:42,780 --> 00:27:48,720
+تحمله مية و خمسين كيلوقطف إلى ذلك توفير يعني وقت و
+
+273
+00:27:48,720 --> 00:27:54,000
+توفير جهد و توفير ف .. و مهما كان الإنسان لوحده
+
+274
+00:27:54,000 --> 00:27:59,900
+تفوته بعض الأشياء لما نكون اتنين اه بتلاقي اه لأ
+
+275
+00:27:59,900 --> 00:28:04,520
+في كذا سبحان الله ولذلك الشورة كان مبدأ أساسي من
+
+276
+00:28:04,520 --> 00:28:10,150
+مبادئ الحكم و مبادئ الإسلاماستشار ولا خبأ من
+
+277
+00:28:10,150 --> 00:28:18,290
+استشار دائما، حتى لو كان حاكما، لو كان رب أسرة، لا
+
+278
+00:28:18,290 --> 00:28:23,230
+دكتاتورية في الإسلام، في شورية، في احترام للأراء
+
+279
+00:28:24,710 --> 00:28:30,570
+وتقليب لها وإشراك أصحاب الكفاءات هكذا ينبغي أن
+
+280
+00:28:30,570 --> 00:28:36,210
+يكون التعامل وأن تكون العلاقة بين أفراد المسلمين
+
+281
+00:28:36,210 --> 00:28:42,270
+حكاما ومحكومين وبين كل الأفراد المجتمع المسلم إذا
+
+282
+00:28:42,270 --> 00:28:47,290
+الشركة يا أخوان حقيقة طبيعي أن تكون جائزة وذلك أن
+
+283
+00:28:47,290 --> 00:28:52,240
+شريعتنا أتت بكل ما فيه مصلحةلا يُعقل إن تكون
+
+284
+00:28:52,240 --> 00:28:56,820
+الشركات ..والمثل تبع الدرج اللي بيقول الشرك تركي
+
+285
+00:28:56,820 --> 00:29:02,300
+هذا مثل حقيقة إنما جاء في غفلة من الزمان إن صح
+
+286
+00:29:02,300 --> 00:29:09,480
+التعبير، بمعنى إنه جاء في ظروف استثنائية، في ظروف
+
+287
+00:29:09,480 --> 00:29:17,110
+فسدت فيها الذمموانهزمت فيها الأمة ويعني ظروف صعبة
+
+288
+00:29:17,110 --> 00:29:21,370
+يعني شوية وطغت المادة فلم يعد هناك ثقة بين الناس
+
+289
+00:29:21,370 --> 00:29:27,870
+وبعضهم البعض وهذا كان سبب للتخلف، واضح أننا بنعيش
+
+290
+00:29:27,870 --> 00:29:33,970
+في زمن تخلف فيه المسلمون وتقهكر وانهزموا بسبب مثل
+
+291
+00:29:33,970 --> 00:29:39,010
+هذه ال .. فأنتجت مثل هذه المفاهيم ومثل هذه الأمثال
+
+292
+00:29:39,010 --> 00:29:45,180
+وإلافإن الحقيقة أن الشريكة بركة، بكل ما تعنيه
+
+293
+00:29:45,180 --> 00:29:49,260
+البركة من معنى، بركة في الرزق، بركة في العلاقات
+
+294
+00:29:49,260 --> 00:29:55,660
+الاجتماعية، وهل من بركة أعظم من أن يكون رب
+
+295
+00:29:55,660 --> 00:30:02,320
+العالمين شريكا للشركاء؟
+
+296
+00:30:02,320 --> 00:30:05,760
+النبي صلى الله عليه وسلم ماذا يقول في الحديث
+
+297
+00:30:05,760 --> 00:30:09,960
+القدسي الذي يرويه عن ربه؟أنا رب العالمين يعني
+
+298
+00:30:09,960 --> 00:30:16,260
+يتحدث، أنا ثالث الشريكين، بس يعني في شرط عشان يكون
+
+299
+00:30:16,260 --> 00:30:21,280
+ربنا ثالثهم، ربنا مش هيكاد مش هيشارك مع ناس خوانة،
+
+300
+00:30:21,280 --> 00:30:27,920
+لأ، لازم الشركاء يكونوا أمناء، مايتربصش كل واحد
+
+301
+00:30:27,920 --> 00:30:36,690
+للثانيلأ امناء اذا كانوا امناء ربنا بيضع البركة في
+
+302
+00:30:36,690 --> 00:30:43,050
+رزقهم وفي مالهم وفي تجارتهم وفي ربحهم انا ثالث من
+
+303
+00:30:43,050 --> 00:30:49,830
+الشريكين ما لم يتخاون دبت الخيانة ارتفعت البركة
+
+304
+00:30:49,830 --> 00:30:57,630
+ولم يعد هناك شراكة ربانية
+
+305
+00:30:59,710 --> 00:31:07,810
+إذا حقيقة يعني فالشركة بكل معنى الكلمة جائزة
+
+306
+00:31:07,810 --> 00:31:16,410
+مباركة مشروعة مشجع عليها لما تحققه من مصالح كثيرة
+
+307
+00:31:17,410 --> 00:31:25,970
+إذا هذا بالنسبة لمفهوم الشركة و بالنسبة لمشروعيتها
+
+308
+00:31:25,970 --> 00:31:29,510
+و أدلة مشروعيتها كثيرة من القرآن من السنة و من
+
+309
+00:31:29,510 --> 00:31:36,730
+الإجماع و البشرية كلها أجمعت على ذلك قبل أن أتحدث
+
+310
+00:31:36,730 --> 00:31:40,970
+أيضا عن البنوك عن المعاملات المنتجة بالتمليك عن
+
+311
+00:31:40,970 --> 00:31:45,090
+مشاركة المنتجة بالتمليك يعني أقف أن دا نقطة مهمة
+
+312
+00:31:45,090 --> 00:31:52,940
+أيضالأصل إلى شيء وهي أنواع الشركات يا أخوة الفقهاء
+
+313
+00:31:52,940 --> 00:31:58,700
+الفقهاء المسلمين حقيقة تناولوا موضوع الشركات
+
+314
+00:31:58,700 --> 00:32:03,220
+تناولا مفصلا
+
+315
+00:32:03,220 --> 00:32:09,740
+ويمكن أي واحد بيفتح في كتب الفقه الإسلامي سيجد
+
+316
+00:32:09,740 --> 00:32:17,520
+أبوابا مستقلة خاصة بموضوع الشركاتتفصل تفصيلا دقيقة
+
+317
+00:32:17,520 --> 00:32:25,280
+حقيقة الشركات والأحكام المتعلقة بالشركات والأنواع
+
+318
+00:32:25,280 --> 00:32:30,320
+المتعلقة بالشركات لأن الشركة تعني علاقة بين إثنين
+
+319
+00:32:30,320 --> 00:32:36,900
+أو أكثر وغالبا ما تكون هناك اختلافات بين الشركات
+
+320
+00:32:36,900 --> 00:32:43,080
+تحتاج إلى تحكيم أو إلى أحكام واضحة حتى تقطع الخلاف
+
+321
+00:32:43,080 --> 00:32:51,920
+وتحسمهوقد تبني ذلك علماؤنا في كتبهم الفقه وبيّنوا
+
+322
+00:32:51,920 --> 00:32:57,140
+يعني الأحكام بوضوح وبيّنوا قبلها الأنواع التي
+
+323
+00:32:57,140 --> 00:33:01,520
+تتعلق وما يجوز وما لا يجوز وما يترتب على ذلك من
+
+324
+00:33:01,520 --> 00:33:07,780
+أحكام مفصلة وماذا يحق لهذا وماذا يحق .. يعني كل
+
+325
+00:33:07,780 --> 00:33:14,020
+نوع من أنواع الشركة فتحوا الهبابوكل نوع يمكن ان
+
+326
+00:33:14,020 --> 00:33:20,660
+يتم البحث فيه في كتاب او كتابين او ثلاثة من الكتب
+
+327
+00:33:20,660 --> 00:33:24,520
+على اي حال هنا انا اذكر فقط اهم انواع الشركات
+
+328
+00:33:24,520 --> 00:33:31,960
+اللتي تؤكد على مدى التفصيل اللذي تناوله علماؤنا في
+
+329
+00:33:31,960 --> 00:33:37,860
+مسألة الشركات الشركات يعني عرف المسلمون من انواع
+
+330
+00:33:37,860 --> 00:33:40,000
+الشركات اربع او خمس انواع
+
+331
+00:33:46,550 --> 00:33:57,550
+صحيح شركة العنان شركة الأبدان شركة الوجوه شركة
+
+332
+00:33:57,550 --> 00:34:02,570
+الأبدان هي الأعمال شركة الأبدان او الأعمال شركة
+
+333
+00:34:02,570 --> 00:34:11,290
+الوجوه شركة المضاربة وشركة المفاوضة طيب صاروا خمسة
+
+334
+00:34:11,290 --> 00:34:19,830
+باختصار شركة العنانهي يعني شركة عادية هي الشركات
+
+335
+00:34:19,830 --> 00:34:24,630
+اللتي نفهمها شركة في بين اثنين فاكثر في المال
+
+336
+00:34:24,630 --> 00:34:30,310
+والعمل اتنين او تلاتة كل واحد عشر تلاف عشر تلاف
+
+337
+00:34:30,310 --> 00:34:34,390
+عشر تلاف يلا نعمل supermarket يلا نعمل مصنع يلا
+
+338
+00:34:34,390 --> 00:34:41,730
+نعمل ماعمل طوب والتلاتة على رأس عملهمالثلاثة
+
+339
+00:34:41,730 --> 00:34:47,310
+شغالين والثلاثة أموال هم شاركين بأموالهم بالتساوي
+
+340
+00:34:47,310 --> 00:34:52,790
+أو الاتنين أو الأربعة هذه شركة عنان تماما الأرباح
+
+341
+00:34:52,790 --> 00:34:59,100
+بحسب يعني كل مصيب كل واحد والمخسر كذلكوهناك شروط
+
+342
+00:34:59,100 --> 00:35:03,920
+على راسها ان يكون المال معلوما وان يكون حاضرا مش
+
+343
+00:35:03,920 --> 00:35:06,620
+في الذمة واحد يقول ده ان انا بخش و بعطيكم بصاري
+
+344
+00:35:06,620 --> 00:35:11,660
+بين الربح لا شركة العنان كل واحد بده يدفع نجدي
+
+345
+00:35:11,660 --> 00:35:19,960
+نصيبه في الشركة وبده كمان يكون معلوم جداش دفع اه
+
+346
+00:35:19,960 --> 00:35:23,840
+وهذه يعني شركة العنان مافيها مشكلة ابدا من حيث
+
+347
+00:35:23,840 --> 00:35:28,980
+حكمها وهي يعني حقيقة أرقىأنواع الشركات وأعدالها
+
+348
+00:35:28,980 --> 00:35:36,100
+لأنه مساهمة بالمال وبالعمل متكافئة، مساهمات
+
+349
+00:35:36,100 --> 00:35:44,700
+متكافئة، النوع الفانيشركات الأبدان مثلا، يعني
+
+350
+00:35:44,700 --> 00:35:49,760
+شوفوا سبحان الله يا إخوان، لم تقف .. لم .. لم ..
+
+351
+00:35:49,760 --> 00:35:54,140
+لم .. تقف أنواع الشركات في الفقه الإسلامي على هذه
+
+352
+00:35:54,140 --> 00:36:00,060
+الشركة، ذلك أنه توسعة على الناس، في ناس ما عندهم
+
+353
+00:36:00,060 --> 00:36:03,760
+مصارى يشاركوافي عند الناس ماعندهم خبرة، في عندهم
+
+354
+00:36:03,760 --> 00:36:11,100
+كذا، فالآن تبدأ أنواع الشركات لكي تجمع بين أصحاب
+
+355
+00:36:11,100 --> 00:36:14,040
+المال و أصحاب الخبرات أو أصحاب الخبرات فقط أو
+
+356
+00:36:14,040 --> 00:36:19,280
+أصحاب الأموال فقط أو .. أو .. يعني لكي لا يبقى
+
+357
+00:36:19,280 --> 00:36:20,700
+مجال لأحد
+
+358
+00:36:23,440 --> 00:36:29,780
+ليه يركن الى القؤود؟ كله فيه مجال، اللي ماعندوش
+
+359
+00:36:29,780 --> 00:36:33,280
+مال عنده خبرة، عنده جهود، عنده قدرة على العمل، فيه
+
+360
+00:36:33,280 --> 00:36:39,600
+مجال، اللي ماعندوش خبرة ومعامل، فيه مجال، حتى اللي
+
+361
+00:36:39,600 --> 00:36:47,770
+ماعندوش مال بالمرة ومش لاجي حتى حد يشاركه مراتتيجي
+
+362
+00:36:47,770 --> 00:36:54,310
+شركة الأبدان مجموعة .. مجموعة من الصناع أو العمال
+
+363
+00:36:54,310 --> 00:36:59,050
+زي الحمالين والشيالين مثلا يعني لما بيبقى لحاله
+
+364
+00:36:59,050 --> 00:37:02,370
+يمكن مايلاقيش حد يقوله تعالي لكن مجموعة لأنه مرات
+
+365
+00:37:02,370 --> 00:37:06,390
+فيه مجاطير بدها تنزل أسمنت بدها تنزل طحين بدهم
+
+366
+00:37:06,390 --> 00:37:11,770
+مجموعة فبتلاقي بشكل مجموعات الحمالين أو الصناعين
+
+367
+00:37:11,770 --> 00:37:15,650
+أو إلى غير ذلكببقوا قاعدين على الطرقات عند ال ..
+
+368
+00:37:15,650 --> 00:37:19,310
+اه تيجي المجموعة هذه شركة .. شركة الأبدان او شركة
+
+369
+00:37:19,310 --> 00:37:23,490
+الأعمال بنزلهم بطلعوا مع بعض بنزلوا المقتورة مش
+
+370
+00:37:23,490 --> 00:37:26,650
+مشكلة نزلت خمسين case انت نزلت اربعين انت نزلت
+
+371
+00:37:26,650 --> 00:37:32,070
+اربعين بنزلوها بطلعلهم خمس ميت شكل كل واحد ميت شكل
+
+372
+00:37:32,070 --> 00:37:37,550
+ميت شكل اه شركة ممكن واحد منهم يشغل مص .. يعني تقب
+
+373
+00:37:37,550 --> 00:37:42,220
+شويه يتريع مش إشكاليعني في .. يعني تفاهم وفي
+
+374
+00:37:42,220 --> 00:37:47,700
+اتراحهم او الى .. الى غير ذلك زى الصيادين مثلا
+
+375
+00:37:47,700 --> 00:37:53,440
+الصيادين اللى مالهم مش مراكب او ممكن صاحب المركب
+
+376
+00:37:53,440 --> 00:37:57,580
+او صاحب الباخرة يقولهم انا .. يعني هيعطيها لمجموع
+
+377
+00:37:57,580 --> 00:38:00,480
+من الصيادين انا الى الثلث، الثلثين اللى بيبلن
+
+378
+00:38:01,580 --> 00:38:05,100
+بتوزعوا على الصيدين لإن هذه عملية الصيد بدها ..
+
+379
+00:38:05,100 --> 00:38:08,720
+بدها مزيد من العمال، هذا بده يسحب، هذا بده يفك،
+
+380
+00:38:08,720 --> 00:38:14,400
+هذا بده ينلقط، هذا بده يفرز السرديني عن المليطة،
+
+381
+00:38:14,400 --> 00:38:20,640
+عن البوري، فيعني في الآخر طلعنا التلتة صاحب
+
+382
+00:38:20,640 --> 00:38:25,140
+الباخرة والتلتين بنجسموا علينا، هذه شركة .. هم ..
+
+383
+00:38:25,140 --> 00:38:29,700
+هؤلاء مالهم مش رسمال خالصولذلك الصياد مسكين وإن
+
+384
+00:38:29,700 --> 00:38:37,640
+السفينة كانت لمساكين دايما، فلذلك يا إخوة هذه شركة
+
+385
+00:38:37,640 --> 00:38:43,260
+أبدا لمن لا مال له ولا يجب من يشاركه، لكن هناك من
+
+386
+00:38:43,260 --> 00:38:49,660
+لا مال لهو عنده خبرة و يجد من يشاركه فيجد أمامه
+
+387
+00:38:49,660 --> 00:38:55,500
+شركات المضاربة شركة بين أثنين أحدهم بالمال والآخر
+
+388
+00:38:55,500 --> 00:39:02,180
+بالعمل والجهد والخبرة اه و يمكن هذه حقيقة في كثير
+
+389
+00:39:02,180 --> 00:39:06,620
+من المجتمعات مفيدة جدا لأنها بتجمع بين الخبرة و
+
+390
+00:39:06,620 --> 00:39:09,940
+بين المال كثير من الناس عندهم أموال مش عارفين كيف
+
+391
+00:39:09,940 --> 00:39:14,140
+يشغلوها و كثير من الناس عندهم خبراتو مش عارفين كيف
+
+392
+00:39:14,140 --> 00:39:17,780
+يستثمروها الخبرة و ال georgette بده مال بده مصنع
+
+393
+00:39:18,680 --> 00:39:22,720
+بدوا مزرعة، بدوا كذا، والفلوس بدها ناس يديروا
+
+394
+00:39:22,720 --> 00:39:28,320
+الشغل هنا تتكامل
+
+395
+00:39:28,320 --> 00:39:35,340
+المسأل العملية ويتونل ويكون الإنتاج ويكون الربح
+
+396
+00:39:35,340 --> 00:39:40,260
+وتكون التنمية الاقتصادية وإلى غير ذلك هذا برضه
+
+397
+00:39:40,260 --> 00:39:46,440
+مجال نوع آخر من أنواع الشركات يقول لا مالة لا
+
+398
+00:39:48,490 --> 00:39:57,130
+اسمعوا وكمان ومش لاجي .. ومش لاجي حد يشركه في ..
+
+399
+00:39:57,130 --> 00:40:00,650
+يعني كانوا في المضاربة وفي نفس الوقت هو عنده خبرة
+
+400
+00:40:00,650 --> 00:40:05,650
+تجارية و .. وبده يشتغل في التجارة لكن ماواش فلوس
+
+401
+00:40:05,650 --> 00:40:16,690
+فيفتح مجال شركة الوجوه شركة الوجوه تتعلق بفئة من
+
+402
+00:40:16,690 --> 00:40:25,370
+الناسلدى .. لدى المجتمع ثقة بهم ناس معروفينيعني
+
+403
+00:40:25,370 --> 00:40:30,790
+أمنا مخاتير اكبار في البلد لكن يعني معروفين مش ..
+
+404
+00:40:30,790 --> 00:40:36,350
+لا هم موظفين ولا هم كذا .. فيستطيع ان يشتري
+
+405
+00:40:36,350 --> 00:40:42,250
+البضاعة داينا من تاجر الجملة لأن صاحب الدين مش
+
+406
+00:40:42,250 --> 00:40:45,970
+هيشتريها مش هيبيع لأي واحد دين إذا كان مش واثق منه
+
+407
+00:40:45,970 --> 00:40:51,350
+ودول الناس واثق منه وجود أعيان في البلد ببيعهم و
+
+408
+00:40:51,350 --> 00:40:57,770
+بدون ما ياخدأي جيرش فهم بياخدوا البضاعة ببيعوها
+
+409
+00:40:57,770 --> 00:41:03,130
+بالتجسيد أو بالانفرج بيربحوا بيرجعوا الثمن بعدين
+
+410
+00:41:03,130 --> 00:41:11,930
+للبائع الأول والربح يوزعونه في ما بينهم اه هي
+
+411
+00:41:11,930 --> 00:41:16,230
+المفاوضة حقيقة تتعلق بكل هذه الأنواع يا اخوة شركة
+
+412
+00:41:16,230 --> 00:41:21,820
+المفاوضةقد تكون شركة العنان شركة مفاوضة وشركة
+
+413
+00:41:21,820 --> 00:41:27,620
+الأبدان كذلك وشركة المفاوضة أهم يميزها أن أحد
+
+414
+00:41:27,620 --> 00:41:33,480
+الشريكين يفوض الآخر في حالة معينة أو ظرف معين
+
+415
+00:41:33,480 --> 00:41:41,240
+بالقيام بأعمال معينة واحد الشريكين له سفرةعلى مصر
+
+416
+00:41:41,240 --> 00:41:46,940
+لمرض لدراسة ليه كذا بيقول الشركة خلاص انت اتكفل
+
+417
+00:41:46,940 --> 00:41:50,740
+بالبيع و الشراء فدي قد تكون في العنان و قد تكون
+
+418
+00:41:50,740 --> 00:41:51,840
+شكرا لكم
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ea9Itv19sis_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ea9Itv19sis_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..37012d4142262d28f2a6e7f784f23ca477f0ab96
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ea9Itv19sis_postprocess.srt
@@ -0,0 +1,1676 @@
+1
+00:00:20,650 --> 00:00:26,570
+الرحمن الرحيم الحمد لله والصلاة والسلام على رسول
+
+2
+00:00:26,570 --> 00:00:31,650
+الله وعلى آله وصحبه ومن اهتدأ بهديه واستنى بسنته
+
+3
+00:00:31,650 --> 00:00:37,260
+ليوم الدين و بعدلا يزال حديثنا عن المرابحة
+
+4
+00:00:37,260 --> 00:00:45,080
+المصرفية وبعد أن تحدثنا عن حقيقة المرابحة المصرفية
+
+5
+00:00:45,080 --> 00:00:52,920
+وأنها عبارة عن طلب شخص شراء سلعة أو بضاعة من شخص
+
+6
+00:00:52,920 --> 00:01:00,740
+آخر أو من جهة أخرى أو من شركة أو من بنك على أساس
+
+7
+00:01:00,740 --> 00:01:08,240
+الوعدبشرائها مرابحة على ان يتم دفع ثمنها من قبل
+
+8
+00:01:08,240 --> 00:01:13,040
+المشتري او الواعد بالشراء تقسيطا او على دفعات تم
+
+9
+00:01:13,040 --> 00:01:18,560
+الاتفاق عليها بعد ان تعرفنا على حقيقة هذه المعاملة
+
+10
+00:01:18,560 --> 00:01:25,540
+وهي المرابحةوالخطوات التي تتم بها بدءا من تقديم
+
+11
+00:01:25,540 --> 00:01:32,440
+طلب الشراء ودراسة الطلب والقيام من قبل البنك
+
+12
+00:01:32,440 --> 00:01:40,680
+بتوقيع عقد المواعدة ثم عملية شراء البنك للسلعة
+
+13
+00:01:40,680 --> 00:01:48,500
+لتنتهي بعد كل ذلكبتتويجي كل هذه الخطوات بعقد بيع
+
+14
+00:01:48,500 --> 00:01:54,100
+المرابحة تحدثنا في كل هذه الخطوات ثم بدأنا نتحدث
+
+15
+00:01:54,100 --> 00:02:00,940
+بالفعل عن أهم الفروق التي تتجلى بين المرابحة
+
+16
+00:02:00,940 --> 00:02:05,800
+المصرفية والمرابحة العادية وذكرنا بعضها في المدة
+
+17
+00:02:05,800 --> 00:02:08,380
+في المرة السابقة
+
+18
+00:02:10,930 --> 00:02:14,970
+وكان على رأسها على رأس هذه الفروق التي تحدثنا فيها
+
+19
+00:02:14,970 --> 00:02:21,890
+أنها أي المرابحة العادية السلعة تكون حاضرة تكون
+
+20
+00:02:21,890 --> 00:02:29,790
+موجودة عند البيع عند البيع أو عند طلب الشراء تكون
+
+21
+00:02:29,790 --> 00:02:33,960
+حاضرة موجودة في المرابحة العاديةبينما في المرابح
+
+22
+00:02:33,960 --> 00:02:39,840
+المصرفية السلعة غير حاضرة عند البايع وعند البائع
+
+23
+00:02:39,840 --> 00:02:45,760
+عند الجهة التي نطلب منها او يطلب الشخص منها شراء
+
+24
+00:02:45,760 --> 00:02:50,700
+السلعة لاتكن حاضرة لديه لأنها لو كانت حاضرة لديه
+
+25
+00:02:50,700 --> 00:02:55,380
+تصبح مرابح عادية لو كانت حاضرة لديه تصبح مرابح
+
+26
+00:02:55,380 --> 00:03:01,680
+عادية في الغالبالحالة هذه أو المعاملة هذه السلعة
+
+27
+00:03:01,680 --> 00:03:06,900
+ليست حاضرة لدى البنك أو لدى الجهة التي تريد أن
+
+28
+00:03:06,900 --> 00:03:13,920
+تبيع وإنما موجودة في مكان آخر ومطلوب منه أن
+
+29
+00:03:13,920 --> 00:03:20,360
+يشتريها ومن ثم يبيعها إلى المشتري
+
+30
+00:03:27,680 --> 00:03:37,920
+الفرق الثاني من الفروق أن البائعة
+
+31
+00:03:37,920 --> 00:03:46,160
+في المرابح العادية قبل أن يبيع السلعة للمشتري يكون
+
+32
+00:03:46,160 --> 00:03:51,790
+قد اشتر هذه البطاعة أو تلكم السلعة لنفسهلنفسه
+
+33
+00:03:51,790 --> 00:04:00,490
+لحاجته او لتجارته وليس بناء على امر شخص اخر اولال
+
+34
+00:04:00,490 --> 00:04:07,890
+يبيعها مباشرة لشخص اخر ليس بالضرورة بخلاف الحال في
+
+35
+00:04:07,890 --> 00:04:15,010
+المرابحة المصرفية فان البائع اللى وهو البنكأو
+
+36
+00:04:15,010 --> 00:04:20,210
+الجهة التي استعدت لشراء و أصبحت في مقام البيع فيما
+
+37
+00:04:20,210 --> 00:04:25,990
+بعد، إنما تشتري هذه البطاعة قبل بيعها للمشتري
+
+38
+00:04:25,990 --> 00:04:31,470
+مرابحة، لا لنفسها، لا لحاجتها، لا لتجارتها، وإنما
+
+39
+00:04:31,470 --> 00:04:38,580
+تشتريها لشخص أو بناء على أمر شخص آخربناء على أمر
+
+40
+00:04:38,580 --> 00:04:48,520
+شخص آخر لتبيعه له وتربح جزء معين من الثمن، بخلاف
+
+41
+00:04:48,520 --> 00:04:55,210
+الصورة الأولىيعني من حيث المقصد دعنا نقول والغاية
+
+42
+00:04:55,210 --> 00:05:03,870
+هذه تختلف عن تلك في المرابح العادية عندما يشتري من
+
+43
+00:05:03,870 --> 00:05:08,930
+يريله شراء السلع مرابحة عادية إذا ما تمت عملية
+
+44
+00:05:08,930 --> 00:05:16,230
+الشراء قد تتم على سبيل دفع الثمن قد يتم على الفور
+
+45
+00:05:17,050 --> 00:05:24,630
+للبائع وقد يتم تأجيلا، قد يتم تنجيزا وقد يتم الدفع
+
+46
+00:05:24,630 --> 00:05:30,230
+تأجيلا وتقصيطاأدى ككل صور البيع، في البيع العادي
+
+47
+00:05:30,230 --> 00:05:33,170
+يا اخوة، حتى في غير المرابح العادية، في بيع
+
+48
+00:05:33,170 --> 00:05:36,710
+المساومة، أنت تشتري من الدكان، من الحانوت، من ال
+
+49
+00:05:36,710 --> 00:05:41,450
+supermarket، من السوق، قد تشتري أحيانا و تدفع، و
+
+50
+00:05:41,450 --> 00:05:46,510
+أحيانا قد تشتري وتسجل دايلة حتى آخر الشغل، أليس
+
+51
+00:05:46,510 --> 00:05:52,270
+كذلك؟وهذا ما يحدث في المرابحة تتم عملية الاتفاق
+
+52
+00:05:52,270 --> 00:05:58,010
+على بيع المرابح العادية وتشتريها إما أن تدفعيعني
+
+53
+00:05:58,010 --> 00:06:03,770
+نقدا و فورا و إما إذا كنت لك معرفة و كان لك حاجة
+
+54
+00:06:03,770 --> 00:06:11,490
+ربما تتفقوا مع ال .. الباية على أن يكون دفع
+
+55
+00:06:11,490 --> 00:06:16,950
+الثماني لاحقا، مؤجلا، إلى أخر الشهر، بعد أسبوع،
+
+56
+00:06:16,950 --> 00:06:23,320
+بعد يوم، بعد يومين، بعد شهرينلكن في المرابحة
+
+57
+00:06:23,320 --> 00:06:29,100
+المصرفية، غالبا، إن لم يكن دائما، ما يكون دفع
+
+58
+00:06:29,100 --> 00:06:36,240
+الثمن من قبل المشتري للسلعة مرابحة مصرفية تأجيلا،
+
+59
+00:06:36,240 --> 00:06:43,620
+تقصيطا، وليس فوريا، لأنه لو كان يريد الدفع فوريا،
+
+60
+00:06:43,620 --> 00:06:51,290
+مالتجه إلى هذه المعاملةوقلت وهذا في الغالب إلا
+
+61
+00:06:51,290 --> 00:06:57,310
+يعني في صور نادرة ذكرتها المرة الماضية يعني كأن
+
+62
+00:06:57,310 --> 00:07:06,170
+يكون البنك له قنوات تجارية خاصة ليست مستحقة لغيره
+
+63
+00:07:06,170 --> 00:07:11,170
+فيطلب المشتري منه أن يشتري له هذه السلعة على أن
+
+64
+00:07:11,170 --> 00:07:14,150
+يدفعها لأنه لا يستطيع أن يقوم بشرائها لنفسه
+
+65
+00:07:14,630 --> 00:07:20,030
+فيشتريها البنك مرابحة على أن يكون الدفع ناقدا،
+
+66
+00:07:20,030 --> 00:07:23,310
+وهذه حالات نادرة، لكن في الأهم الأغلب يكون الدفع
+
+67
+00:07:23,310 --> 00:07:29,690
+في المرابحة المصرفية تأجيلا وتقصيطا
+
+68
+00:07:31,240 --> 00:07:35,520
+في المرابحة المصرفية .. في المرابحة من ضمن الفروق
+
+69
+00:07:35,520 --> 00:07:40,420
+أيضا في المرابحة العادية و المرابحة المصرفية أن
+
+70
+00:07:40,420 --> 00:07:44,980
+المرابحة العادية أيها الأخوة .. الآن انظروا معي
+
+71
+00:07:44,980 --> 00:07:54,260
+انا قد اشتري شيئا سلعة معينة مثلا دعني اقول اشتريت
+
+72
+00:07:54,260 --> 00:07:54,940
+ثلاجة
+
+73
+00:07:57,460 --> 00:08:07,020
+ثم بعد ذلك يعني كانت صديقة مني فاستجلبت
+
+74
+00:08:07,020 --> 00:08:10,840
+صناعا او صانعا ليدهنها
+
+75
+00:08:12,580 --> 00:08:21,980
+و يعالجها ودفعته له جزء يعني من المال اجرة او حتى
+
+76
+00:08:21,980 --> 00:08:26,980
+هذه الثلاجة
+
+77
+00:08:26,980 --> 00:08:33,140
+عندما اشتريتها دفعت عليها تنظيفا وتحميلا وتصنيعا
+
+78
+00:08:33,140 --> 00:08:39,640
+بعض الشغلات الان هل هذه تضاف علىالثمن الأصلي وكل
+
+79
+00:08:39,640 --> 00:08:43,820
+ذلك يصبح ثمنها وبعد ذلك تباع مرابحتا بناء على
+
+80
+00:08:43,820 --> 00:08:48,340
+مجموع الثمن المكوّن من الثمن الأصلي زائد ما أضيف
+
+81
+00:08:48,340 --> 00:08:53,040
+عليها هذا محل خلاف في المرابح المصرفية وقد وضحت في
+
+82
+00:08:53,040 --> 00:08:57,820
+المرابح العادية آسف وقد وضحت ذلك المرة الماضية بعض
+
+83
+00:08:57,820 --> 00:09:03,340
+العلماء يقول في المرابح العادية لابدمن ذكر الثمن
+
+84
+00:09:03,340 --> 00:09:08,660
+الأصلي وليسنا مانيين بالإضافات التي تضيفها هذه
+
+85
+00:09:08,660 --> 00:09:14,820
+الإضافات لتحتسبها من الربح قل عليّ بخمسين وأريد
+
+86
+00:09:14,820 --> 00:09:17,760
+عشرين من ضمنها .. من ضمن العشرين يكون في الخمسة أو
+
+87
+00:09:17,760 --> 00:09:22,300
+الستة حسبهم اللي دفعتهم أجرة أو دفعتهم صنعة أو
+
+88
+00:09:22,300 --> 00:09:26,480
+دفعتهم تصليح أو دهان أو إلى غير ذلك والبعض يقول لا
+
+89
+00:09:26,480 --> 00:09:32,480
+بأس في ذلك في مسألة المرابح العادية هذا كلهمومن ..
+
+90
+00:09:32,480 --> 00:09:41,800
+ومن رفض ذلك إنما قصد التأكيد على الأمانة والبعد عن
+
+91
+00:09:41,800 --> 00:09:48,140
+الشبهة لأن مسألة يعني التحميل الإضافات هذه قد
+
+92
+00:09:48,140 --> 00:09:52,620
+تختلف فيها التقديرات لأنه ممكن هو بنفسه يكون
+
+93
+00:09:52,620 --> 00:09:59,440
+الصانعانا اللي شريتها وانا اللي ايه دهنتها طب
+
+94
+00:09:59,440 --> 00:10:04,300
+دهانها جداش أجورته؟ انا واحد مجدر لنفسي ادهان خمس
+
+95
+00:10:04,300 --> 00:10:10,060
+دنانير قد يكونوا أكثر وقد يكونوا أقل وقد يكونوا
+
+96
+00:10:10,060 --> 00:10:14,980
+هذا هو التقدير فالأبعد عن الشبهة ان لا تذكر ذلك في
+
+97
+00:10:14,980 --> 00:10:19,160
+هذا مش احنا بنقول بيع المرابح العادية بيع السلعات
+
+98
+00:10:19,160 --> 00:10:25,590
+بثمانية الأصليمع زيادة ربح المعلومة، هو الآن هيقول
+
+99
+00:10:25,590 --> 00:10:32,710
+عليّ بخمسين، فبعين، و في عندي خمسة و تحميل و كذا،
+
+100
+00:10:32,710 --> 00:10:37,150
+فهو ممكن يلاجيها أسهله يقولك عليّ بخمسة و ستين
+
+101
+00:10:38,550 --> 00:10:42,450
+خمسين زائد لتكاليف اللي زاد، لكن في رأي يقولك لأ
+
+102
+00:10:42,450 --> 00:10:47,130
+ماتقولش هيك، بعضا للشبهة وبعضا للاحتمالات، قول
+
+103
+00:10:47,130 --> 00:10:51,010
+عليّ بخمسين وانت بدل ما تطلب ربيع عشرة، اطلب ربيع
+
+104
+00:10:51,010 --> 00:10:55,780
+تلاتينقول أنا عليّ وخمسين وبيدي تلاتين لأن أنا
+
+105
+00:10:55,780 --> 00:11:02,600
+حملت ودهنت وظبط وإلى غير ذلك، لا بأسة في ذلك، بغض
+
+106
+00:11:02,600 --> 00:11:07,660
+النظر، بمعنى إنه في المرابح المصرفية هناك .. في
+
+107
+00:11:07,660 --> 00:11:11,680
+المرابح العادية هناك أكثر من رأي في هل يجوز أن
+
+108
+00:11:11,680 --> 00:11:16,920
+تحتسب الإضافاتمن قبل رأس المال أو لا يجوز ولكن حسب
+
+109
+00:11:16,920 --> 00:11:22,020
+ما هذا الخلاف في المرابح المصرفية فكل ما يضاف على
+
+110
+00:11:22,020 --> 00:11:28,100
+السلع التي يشتريها البنك من أجرها من إضافات فإنما
+
+111
+00:11:28,100 --> 00:11:33,840
+تضعف على الثمن و بلا خلاف أخده بالرأي الذي يجيز
+
+112
+00:11:33,840 --> 00:11:38,340
+واتمده أصلا هي المسألة كلها يعني في المرابح
+
+113
+00:11:38,340 --> 00:11:43,460
+المصرفية أخذت بعض الأعراف دون بعض فهذه كانت من ضمن
+
+114
+00:11:45,030 --> 00:11:50,130
+الفروق ثم من ضمن الفروق أيضا التي ربما تحدثنا فيها
+
+115
+00:11:50,130 --> 00:11:57,770
+او لم نتحدث ان الربحة في المرابح العادية انما يكون
+
+116
+00:11:57,770 --> 00:12:01,890
+نظيرة الجهد
+
+117
+00:12:03,090 --> 00:12:10,710
+والخبرة التي .. وطبعا المخاطرة التي يقد .. التي
+
+118
+00:12:10,710 --> 00:12:17,910
+يتحملها أو يقوم بها البائع البائع يشتري لنفسه كما
+
+119
+00:12:17,910 --> 00:12:19,210
+قلنا البطاعة
+
+120
+00:12:22,460 --> 00:12:31,080
+باجتهاده من وحي خبرته متحملا كل الاحتمالات قد يربح
+
+121
+00:12:31,080 --> 00:12:36,520
+قد يخسر كل ذلك فاذا تحقق قلبه الربح فانما يكون هذا
+
+122
+00:12:36,520 --> 00:12:43,300
+الربح عادة يعني مقابل انه اجتهد ومقابل انه اتشاطر
+
+123
+00:12:43,300 --> 00:12:49,620
+في عملية الشرع شرع بخمسين على طولروح باعها ب 60
+
+124
+00:12:49,620 --> 00:12:56,240
+لإن هو اجتهد و تحرك و من خلاله و استخدم خبرته لكن
+
+125
+00:12:56,240 --> 00:13:01,920
+الربح المتحصل في المرابح المصرفية هل يكون جراء و
+
+126
+00:13:01,920 --> 00:13:08,200
+نظير يعني جهد البنك و خبرة البنك و شطارة البنك و
+
+127
+00:13:08,200 --> 00:13:14,160
+مخاطر البنك لأ في الغالب و إنما يكونوا في الحقيقة
+
+128
+00:13:14,950 --> 00:13:23,130
+نظيرة تأجيل الثمن في الحقيقة إنما يكون الربح نظير
+
+129
+00:13:23,130 --> 00:13:29,390
+التقصيد هو البنك عارف إن هذا المشتري الذي طلب منه
+
+130
+00:13:29,390 --> 00:13:34,530
+الشراء لهذه السلعة لا يريد أن يدفع ناقدا وإنما
+
+131
+00:13:34,530 --> 00:13:39,770
+يريد أن يدفع تقصيدا فلذلك
+
+132
+00:13:40,950 --> 00:13:50,330
+يعني زاد عليه الثمن ولذلك كان الربح وإلا في الغالب
+
+133
+00:13:50,330 --> 00:13:55,730
+فإن البنك لا يتكلف أولا ليس لديه هذه الخبرة ولا
+
+134
+00:13:55,730 --> 00:14:00,590
+يتكلف جهودا كبيرة يعني تستحق ربما كل هذا يعني أنا
+
+135
+00:14:00,590 --> 00:14:06,590
+هل بمجرد أن خرج المندوب من البنك إلى الأرض أو إلى
+
+136
+00:14:06,590 --> 00:14:11,820
+شراء السيارة واشتراهادون أن يبدو لكثير مساومة
+
+137
+00:14:11,820 --> 00:14:19,280
+وكثير جدل وكثير بحث يستحق الفيدي أو 3000 دينار
+
+138
+00:14:19,280 --> 00:14:24,480
+يعني على مدار سنتين أو تلاتة؟ لأ، إذا مقابل ماذا
+
+139
+00:14:24,480 --> 00:14:30,140
+هذه الألاف اللي تستحقها؟ نظير في الحقيقة وتحتها
+
+140
+00:14:30,140 --> 00:14:35,320
+خطوط، نظير ماذا؟ نظير التأجيل، نظير التقصيد، أليس
+
+141
+00:14:35,320 --> 00:14:44,520
+كذلك؟ لكن هناك، ولذلك يا إخوانفي الغالب يعني تجدوا
+
+142
+00:14:44,520 --> 00:14:51,100
+النسب النسب الربح في المرابحات المصرفية محدودة
+
+143
+00:14:51,100 --> 00:14:59,760
+لأنها معروف نظير ايش نظير تقصيد ولذلك تختلفوا كمية
+
+144
+00:14:59,760 --> 00:15:06,040
+الربح باختلاف المدة ولكن في المرابح العادية لا
+
+145
+00:15:06,040 --> 00:15:13,310
+ينظر ولا يلتفت إلى شيء من هذاوإنما تكون كمية الربح
+
+146
+00:15:13,310 --> 00:15:20,150
+أو مبلغ الربح يعني بحسب الاتفاق وقد يبيع هذه مربحة
+
+147
+00:15:20,150 --> 00:15:25,970
+هذا الكمبيوتر لشخص مربحة عادية بمربح عشر دولار و
+
+148
+00:15:25,970 --> 00:15:30,530
+لشخص آخر بمربح عشرين دولار و لثالث مربحة عادية
+
+149
+00:15:30,530 --> 00:15:35,010
+وعلى الأمانة و لثالث بثلاثين و لرابع بخمسة
+
+150
+00:15:36,970 --> 00:15:42,040
+البيانات ساطرة كما يقولون لكن هناك لا مجالهناك في
+
+151
+00:15:42,040 --> 00:15:46,320
+نسب محددة لإنما
+
+152
+00:15:46,320 --> 00:15:50,240
+الربح نظير
+
+153
+00:15:50,240 --> 00:15:55,740
+وبدل المدد اللتي ينتظرها
+
+154
+00:15:55,740 --> 00:16:02,460
+ال bank حتى يسترد الثمن بالإضافة للربح احنا بجانب
+
+155
+00:16:02,460 --> 00:16:07,380
+النظر عن الحلوة الحرمة هذا فرق لابد من الالتفات
+
+156
+00:16:07,380 --> 00:16:09,980
+اليه وهو ملاحظة
+
+157
+00:16:13,180 --> 00:16:22,120
+كذلك يا أخوة فإن من الفروق التي ذكرها العلماء أو
+
+158
+00:16:22,120 --> 00:16:28,140
+التي يمكن استخلاصها أن ال ..
+
+159
+00:16:30,660 --> 00:16:36,140
+البضاعة أو السلع المشترى مرابحة وهذا .. هذا الفرق
+
+160
+00:16:36,140 --> 00:16:41,760
+الحقيقى فرق او فرق من اخر كنت قد ذكرته لكن ربما من
+
+161
+00:16:41,760 --> 00:16:47,880
+الجميل انه فرضه ان احنا قلنا قبل بشوية ان ممكن
+
+162
+00:16:47,880 --> 00:16:53,500
+واحد يشتري شغلة ويصنعها او يضيف عليها شغل او
+
+163
+00:16:53,500 --> 00:16:58,590
+يستهلك العكس يعني يستهلك منها و بعدين يبيعهاأو
+
+164
+00:16:58,590 --> 00:17:05,450
+اظبطها يعني على الشىء .. لكن في .. وهذه .. وهذا
+
+165
+00:17:05,450 --> 00:17:10,550
+فرق آخر بين المرابحة العادية وبين المرابحة
+
+166
+00:17:10,550 --> 00:17:17,030
+المصرفية في المرابحة العادية البضاعة لأنها مشترا
+
+167
+00:17:17,030 --> 00:17:21,710
+لصاحبها فإن له الحق في أن يضيف عليها أو يستهلك
+
+168
+00:17:21,710 --> 00:17:26,790
+منها أو يزيد عليها أو ينقص منهاطيب فماشي انا في
+
+169
+00:17:26,790 --> 00:17:36,320
+يعني شارية تلفزيون و مع قاعدةمثلا بقدر أخد القاعدة
+
+170
+00:17:36,320 --> 00:17:41,280
+إلي استخدمتها لتليفزيون مع طاولة مع بعضهم بقدر أخد
+
+171
+00:17:41,280 --> 00:17:45,500
+الطاولة و أجلدها و بعدين أضيع ال .. ال .. ال .. ال
+
+172
+00:17:45,500 --> 00:17:50,140
+.. التليفزيون لوحده لكن يعني مثلا في المنابحات
+
+173
+00:17:50,140 --> 00:17:55,120
+العادية بقدر أضيف عليه انا ما اشتريته بدون قاعدة
+
+174
+00:17:55,120 --> 00:17:59,770
+عملتله قاعد عملتله صندوق كان زماناليوم خلصت
+
+175
+00:17:59,770 --> 00:18:03,810
+الموضوع هذه، كان زمان بشري التلفزيون اليوم، تاني
+
+176
+00:18:03,810 --> 00:18:07,230
+يوم بروح النجار، بده غرفة التلفزيون، ايش اسمها؟
+
+177
+00:18:07,230 --> 00:18:11,570
+خزانة، خزانة للتلفزيون، بتسحب هيك كده، اه اليوم
+
+178
+00:18:11,570 --> 00:18:15,810
+خلاص انتهت، اليوم LCD ومعلج على .. في الصالون،
+
+179
+00:18:15,810 --> 00:18:19,890
+مافي مشكلة، فإذا .. الآن لو بدي أبيعه، بدي أبيعه
+
+180
+00:18:19,890 --> 00:18:25,180
+مع الخزانة، ما .. مافيش مشكلة يعني، واحد كدهاذا في
+
+181
+00:18:25,180 --> 00:18:28,680
+.. في ال .. شريت شوية خراف بقى جعدت سبوعين تلاتة
+
+182
+00:18:28,680 --> 00:18:33,700
+أطعم واسج فيهم يعني حلقتلهم وظبطلهم وغسلتهم في
+
+183
+00:18:33,700 --> 00:18:39,040
+البحر بصير ف .. لكن هذا كله بيحدث في المرابح
+
+184
+00:18:39,040 --> 00:18:42,340
+العادية اللتي أشتريها لنفسي و بعد ذلك يريدوا أن
+
+185
+00:18:42,340 --> 00:18:47,240
+يبيعها لكن في المرابح المصرفية زي ما بيقول المثل
+
+186
+00:18:47,240 --> 00:18:52,070
+البلدي ما بيجي مشجع المطوعهاما بيجي مشجع المطوع
+
+187
+00:18:52,070 --> 00:18:57,250
+يعني ما بعمل إشي، كما يشتريها يعني لو كانت السيارة
+
+188
+00:18:57,250 --> 00:19:04,030
+غبرة مش مستعد يغسلها، جاي من النفج يعني، وإنما
+
+189
+00:19:04,030 --> 00:19:10,170
+يسلمها كما هيلأن هو عليه تسيرات خلاص فيه أشي
+
+190
+00:19:10,170 --> 00:19:16,310
+رسميات هذه شراهب كذا وفيه نسبة الربيع كذا هو الجهة
+
+191
+00:19:16,310 --> 00:19:22,690
+يعني هيكذا تعمل وليست مستعدة أن تضيف شيئا باستثناء
+
+192
+00:19:22,690 --> 00:19:29,710
+ما يلزم من ايش من تحميل وتنزيل وغير ذلك لكن إنه
+
+193
+00:19:29,710 --> 00:19:37,690
+أنا أدهن شغلة أغسل أزيد أنقصلأ في .. هذا ما يحدث
+
+194
+00:19:37,690 --> 00:19:42,910
+في الغالب بالنسبة للمرابحات او طريقة المرابحة
+
+195
+00:19:42,910 --> 00:19:47,430
+المصرفية صلح مايصلحش او إلى ذلك ذلك و كذلك في
+
+196
+00:19:47,430 --> 00:19:50,630
+الشرط الأخير او في الفرق الأخير يعني في الغالب يا
+
+197
+00:19:50,630 --> 00:19:56,060
+اخوةال .. ال .. البضاعة المشترعة وهذا أيضا مرتبط
+
+198
+00:19:56,060 --> 00:20:01,220
+بالذي قبل .. بالذي قلته والذي قلته من قبل البضاعة
+
+199
+00:20:01,220 --> 00:20:05,380
+في المرابحات العادية كثير منها ما يكون قابلة
+
+200
+00:20:05,380 --> 00:20:11,000
+للنماء زي ما قلت ممكن أشتري رجول خراف دجاج و أقعد
+
+201
+00:20:11,000 --> 00:20:16,980
+عند أسابيع أو أشهر حتى أكبرو أحيانا ممكن تتم عملية
+
+202
+00:20:16,980 --> 00:20:20,160
+البيع مربح أنا والله يا عم عليا و هم لسه قبل تلت
+
+203
+00:20:20,160 --> 00:20:24,560
+شهور أو تلت أسابيع أو تلت أيام قبل ما أطعمهم و قبل
+
+204
+00:20:24,560 --> 00:20:29,440
+ما أسجيهم عليهم كذا من كذا طب انت حسب لحالك بصير
+
+205
+00:20:29,440 --> 00:20:34,300
+هيك التفاهمات جدش هتكلف لو كان عندك و بعدين اعطيني
+
+206
+00:20:34,300 --> 00:20:42,190
+يعني الربحممكن لكن عمليات كده أو بضاعة مما يعني
+
+207
+00:20:42,190 --> 00:20:48,390
+تحتاج إلى نماء وتحتاج إلى محافظة لا يشتريها البنك
+
+208
+00:20:48,390 --> 00:20:53,810
+ولا يقوم بتقديم عمليات أبدا لا يشتريها البنك إلا
+
+209
+00:20:53,810 --> 00:20:59,480
+إذا كانت إمكانية التسليم يعنيفورية، يعني بدوا
+
+210
+00:20:59,480 --> 00:21:03,200
+يشتري عجول، بدوا يشتري خراف، بدوا يشتري كذا، بدوا
+
+211
+00:21:03,200 --> 00:21:07,740
+يكون صاحبها ممكن يستنى على الفور، لأنه إذا لم
+
+212
+00:21:07,740 --> 00:21:11,160
+ينتظر على الفور، هو مش مستعد يقدملها أكل وشرب
+
+213
+00:21:11,160 --> 00:21:15,620
+وأدوية وغير ذلك، وفي هذه الحالة قد تموتوبالتالي في
+
+214
+00:21:15,620 --> 00:21:19,940
+هذه الحالة البنك يتخذ احتياطات كبيرة وربما يرفض
+
+215
+00:21:19,940 --> 00:21:23,740
+عملية الشراء لمثل هذه الحجيات التي تحتاج إلى
+
+216
+00:21:23,740 --> 00:21:31,120
+النماء والمحافظة وإن تم شراها يتم وفق قيود مشددة
+
+217
+00:21:31,120 --> 00:21:36,860
+وشروط محددة هذه ربما يا أخوة أهم الشروط التي
+
+218
+00:21:38,260 --> 00:21:44,580
+تختلفوا فيها المرابحة المصرفية عن المرابحة العادية
+
+219
+00:21:44,580 --> 00:21:49,680
+طبعا من خلال استعراض الشروط يبدو أن ثم تشهروا ..
+
+220
+00:21:49,680 --> 00:21:55,540
+آسف الفروق يبدو أن ثم تشهروا فروق يعني تستحق
+
+221
+00:21:55,540 --> 00:22:02,540
+الوقفة بمعنى تكاد تكون جوهرية بمعنى أنه يمكن أن
+
+222
+00:22:02,540 --> 00:22:08,940
+يكون لها أثر على تغيير الحكمومنها فروق لأثر لها
+
+223
+00:22:08,940 --> 00:22:17,520
+فروق شكلية، يعني احنا لما نقول المال نظير .. نظير
+
+224
+00:22:17,520 --> 00:22:22,580
+التأجيل مش نظير الجهد، بدها واقفة، بتخوف، صارتش
+
+225
+00:22:22,580 --> 00:22:29,180
+فيه الربةمثلا يعني لما نقول عملية الاتفاق المبدأي
+
+226
+00:22:29,180 --> 00:22:37,600
+تتمه بالسلع غير موجودة، قد يتخذها القائلون بعدم
+
+227
+00:22:37,600 --> 00:22:42,760
+الجواز ذريع ويقولون هذا شيء من نوع ما لا يملك،
+
+228
+00:22:42,760 --> 00:22:50,970
+مثلاوإن كانت على كل الأحوال كل هذه التوجهات
+
+229
+00:22:50,970 --> 00:22:58,150
+محله أخذ و رد و نظرعلى كل الأحوال هذه أيها الأخوة
+
+230
+00:22:58,150 --> 00:23:02,490
+مجملة يعني احنا ببياننا لهذه الفروق أستطيع أن أقول
+
+231
+00:23:02,490 --> 00:23:09,830
+أنه طبحت لنا صورة المرابحة المصرفية بجلاء بعد أن
+
+232
+00:23:09,830 --> 00:23:15,840
+بينا حقيقتها و قطواتها التي تتم بهاوالفروق بينها
+
+233
+00:23:15,840 --> 00:23:23,280
+وبين المرابحة العادية بات يعني الأمر أو أزف الحديث
+
+234
+00:23:23,280 --> 00:23:30,220
+عن حكم المرابحة هذه المرابحة التي تحدثنا عن
+
+235
+00:23:30,220 --> 00:23:35,120
+حقيقتها وخطواتها والفرق بينها وبين المرابحة
+
+236
+00:23:35,120 --> 00:23:41,570
+العادية هل تأخذ حكم المرابحة العادية فهي جائزةأم
+
+237
+00:23:41,570 --> 00:23:50,010
+أنها بهذه الفروق أصبحت معاملة مختلفة دخلة فيها ما
+
+238
+00:23:50,010 --> 00:23:56,510
+يجعلها مختلفة من حيث الحكم عن المرابحة العادية
+
+239
+00:23:56,510 --> 00:24:04,350
+فأصبحت حراما طيح الأمر على العلماء المعاصرين لأن
+
+240
+00:24:04,350 --> 00:24:11,760
+المعاملة معاصرة كما قلنا وكالعادة وجدناه مختلفالى
+
+241
+00:24:11,760 --> 00:24:19,280
+او على فريقين فريق اجاز المرابحة برغم المصرفية
+
+242
+00:24:19,280 --> 00:24:24,540
+المرابحة العادية مافيها مشكلة فريق اجاز المرابحة
+
+243
+00:24:24,540 --> 00:24:28,500
+المصرفية المرابحة اللي امر بالشراء وهم يعني
+
+244
+00:24:28,500 --> 00:24:35,130
+الاكثرون من المؤلماء المؤاصرينوماذا عن الفروق؟ في
+
+245
+00:24:35,130 --> 00:24:41,590
+الجملة قالوا هذه الفروق في جملتها شكلية، في جملتها
+
+246
+00:24:41,590 --> 00:24:50,490
+.. بسم مفصل، هي فروق لا تغير من حقيقة مشروعية
+
+247
+00:24:50,490 --> 00:24:53,130
+المرابعة المصرفية من شيء
+
+248
+00:24:58,160 --> 00:25:04,480
+وإن كان من يعني .. من .. من .. من .. من فرق يعني
+
+249
+00:25:04,480 --> 00:25:10,080
+حساس يعني اعتمد عليه القايلون بالحرمة يعني لهم فيه
+
+250
+00:25:10,080 --> 00:25:15,880
+تخريج كمثال اخر وهو فرق الوعد و بالشراء هل هو ملزم
+
+251
+00:25:15,880 --> 00:25:20,810
+او غير ملزم وفريق اخرطبعا هذا الفريق .. هذا الفريق
+
+252
+00:25:20,810 --> 00:25:24,610
+الأول على رأسه الدكتور القبضاوي الفريق الآخر يا
+
+253
+00:25:24,610 --> 00:25:31,290
+إخوة نظرة إلى الفروق كما قلت واعتبرها فروق جوهرية
+
+254
+00:25:31,290 --> 00:25:41,060
+تغيره في الحكم و .. و تنقله من الحرمةمن الحل إلى
+
+255
+00:25:41,060 --> 00:25:45,780
+الحرمة فليس معناه أن المرابحة حلالا العادية أن هذه
+
+256
+00:25:45,780 --> 00:25:51,140
+لأن اسمها مرابحة أصبحت حلالا ذلك أنه قد اعتراها
+
+257
+00:25:51,140 --> 00:25:57,960
+كثير من التغييرات كثير من الإجراءات وكثير من
+
+258
+00:25:57,960 --> 00:26:05,280
+الاختلافات التي غيرت من شكلها كما غيرت من جوهرها
+
+259
+00:26:05,280 --> 00:26:12,580
+ومضمونهاهذا بالجملة إذا أردنا أن ندخل في التفاصيل
+
+260
+00:26:12,580 --> 00:26:19,120
+إذا أردنا أن ندخل في التفاصيل والاستدلالات
+
+261
+00:26:19,120 --> 00:26:27,740
+نقول أما الفريق الأول فقد استدلى على القول بجوازي
+
+262
+00:26:27,740 --> 00:26:34,590
+المرابحة المصرفية بأدلة عامةو .. و هي في النهاية
+
+263
+00:26:34,590 --> 00:26:39,350
+او في الغالب هي أدلة قوية من حيث ذاتها، لكن
+
+264
+00:26:39,350 --> 00:26:45,530
+المشكلة في مدى اطباقها على المعاملة، لأنها في
+
+265
+00:26:45,530 --> 00:26:52,580
+الحقيقة هي .. هي أدلة عامةيعني مثلا عندما يستدلون
+
+266
+00:26:52,580 --> 00:27:02,280
+بالقول بأن الأصل في المعاملات الإباحة هذا دليل عام
+
+267
+00:27:02,280 --> 00:27:09,400
+لكن خلال هذا الدليل هم يستدلون
+
+268
+00:27:09,400 --> 00:27:16,550
+على صحة المرابحة المصرفية ذلك أنالمرابحة المصرفية
+
+269
+00:27:16,550 --> 00:27:23,810
+هذه لم يرد فيها دليل لا بالحل ولا بالحرمة لنفترض
+
+270
+00:27:23,810 --> 00:27:30,670
+ذلكفو القاعدة تقول الأصل فيها المعاملات الإباحة
+
+271
+00:27:30,670 --> 00:27:36,010
+طبعا إلى تكمل القاعدة ما لم يرد محرم ولم يرد لا في
+
+272
+00:27:36,010 --> 00:27:39,950
+كتاب الله ولا في سنة رسول الله صلى الله عليه وسلم
+
+273
+00:27:39,950 --> 00:27:49,470
+ما ينص على تحريم الإباحة المرابحة
+
+274
+00:27:49,470 --> 00:27:53,270
+المصرفية أو المرابحة للآمر باشراق
+
+275
+00:27:55,350 --> 00:28:01,030
+ولذلك تكون جائزة وهذه الفروق يعني مجرد كما قلت
+
+276
+00:28:01,030 --> 00:28:09,670
+فروق شكلية بل أكثر من ذلك فإن هناك صور قديمة من
+
+277
+00:28:09,670 --> 00:28:14,370
+صور البيوع هي أشبه إلى حد كبير
+
+278
+00:28:18,160 --> 00:28:24,600
+الى المرابحة المصرفية ذلك انه قد ورد عن بعض
+
+279
+00:28:24,600 --> 00:28:30,020
+الفقهاء كالامام الشافعي وغيره انه لو قال شخص لآخر
+
+280
+00:28:30,020 --> 00:28:35,420
+اشتري ليه هذه السلعةاشتري ليه هذا الموجود، وهو
+
+281
+00:28:35,420 --> 00:28:39,540
+شبيه بالمرابحة العادية، الاناسف المصرفية، اشتري
+
+282
+00:28:39,540 --> 00:28:46,640
+ليه هذه السلعة واربيحك عليها كذا وكذا، جاز ذلك،
+
+283
+00:28:46,640 --> 00:28:51,220
+واربيحك عليها، اشتري ليه هذه السلعة واربيحك عليها
+
+284
+00:28:51,220 --> 00:28:55,370
+كذا وكذا، جاز ذلك، أليست هذه الصورة؟صورة مشابهة
+
+285
+00:28:55,370 --> 00:28:59,570
+إلى حد كبير إلى المرابحة المصرفية، لكن هو لم يشر
+
+286
+00:28:59,570 --> 00:29:05,430
+إلى مسألة الامانة والتفريق، لم يشر إلى مسألة
+
+287
+00:29:05,430 --> 00:29:10,730
+الالتزام بالشراء، الالتزام بالوعد بالشراء، لأن
+
+288
+00:29:10,730 --> 00:29:15,430
+الشافعي وغير الشافعي لم يلزمالمشتري و الحالة وهذه
+
+289
+00:29:15,430 --> 00:29:22,030
+بالشراق، الزاما تما وانما الإلزام كما قلنا هو
+
+290
+00:29:22,030 --> 00:29:30,990
+الزاما أدبيا ليس إلا بمعنى انه لو ان المشتري لم
+
+291
+00:29:30,990 --> 00:29:40,900
+يرغب في الشراق بعد أن أمرالشخص بذلك فإنه لا يتحمل
+
+292
+00:29:40,900 --> 00:29:47,140
+مسئولية وهنا أياه الإخوة قد يتساءل متسائل أليس في
+
+293
+00:29:47,140 --> 00:29:58,010
+ذلك الحاقن بالضرر للشخص الذي طلب منه الشراء؟ثم بعد
+
+294
+00:29:58,010 --> 00:30:06,610
+ذلك تخلى أو تخلف الطالب عن تحقيق أو وفاء طلبه؟
+
+295
+00:30:06,610 --> 00:30:12,030
+ولماذا لم تلزمه الشريعة على رأي الأجلب، على الأقل؟
+
+296
+00:30:12,030 --> 00:30:18,290
+لأن هذا مثل خلافية بذلك اسمعوا، في نقطة ينبغي أن
+
+297
+00:30:18,290 --> 00:30:22,590
+تفهموها، إلا إذا كان في واحد عندي تعليق شوفوا يا
+
+298
+00:30:22,590 --> 00:30:29,740
+إخوةالشريعة ربما هذا يعني تفسير اجتهادي عندما لم
+
+299
+00:30:29,740 --> 00:30:37,380
+تلزم المشتري بشراء ما طلبه من آخر شراءه كان هناك
+
+300
+00:30:37,380 --> 00:30:47,260
+حكمة وهي أنه لو عرف المشتري اللي هو المطلوب منه
+
+301
+00:30:47,260 --> 00:30:56,030
+الشراءبأن الشراء مضمون و ملزم له لمجتهدة في
+
+302
+00:30:56,030 --> 00:31:03,110
+المساومة أو في اختيار الجيد من أنواع السلاح كان
+
+303
+00:31:03,110 --> 00:31:09,610
+انا ضامن الشراء و ضامن الربح ضامن المشتري و ضامن
+
+304
+00:31:09,610 --> 00:31:14,290
+الربح اشتري ليه كذا و انا اشتريه منك و اربحك كذا و
+
+305
+00:31:14,290 --> 00:31:21,110
+كذالو انا في الغالب الناس مش كلهم يعني ..يعني
+
+306
+00:31:21,110 --> 00:31:28,770
+ذمامهم يعني صحيحة وصالحة، في ناس كتير يعني ذمامهم
+
+307
+00:31:28,770 --> 00:31:33,030
+واسعة وفي ناس ماعندهمش اهتمام بمصالح الآخرين
+
+308
+00:31:35,360 --> 00:31:40,360
+الشريعة التفتت إلى هذا المقنع، فلذلك يعني كأنّي
+
+309
+00:31:40,360 --> 00:31:46,320
+بها، إنما لم تلزمه لكي يجتهد، انتبهوا، في الشراء،
+
+310
+00:31:46,320 --> 00:31:54,020
+لكي يجتهد في الشراء كما يجتهد لنفسه وزيادة، بحيث
+
+311
+00:31:54,020 --> 00:32:02,700
+لو لم يشترها، المشتري ظلت له ودون أن يستشعر بالندم
+
+312
+00:32:03,900 --> 00:32:10,910
+شروي كويسة يشتريها يعني بيشتريها كإنها إلهوحتى
+
+313
+00:32:10,910 --> 00:32:14,930
+مابدكش اشتريها بلاش وانا بحصل يا اخوة كتير انا
+
+314
+00:32:14,930 --> 00:32:18,290
+بقول لفلان اشتريها قاله خلاص انا هشتريها وعجبك
+
+315
+00:32:18,290 --> 00:32:24,230
+عجبك ماعجبك انت حر لانه كأنه بقوله يعني انا ضامن
+
+316
+00:32:24,230 --> 00:32:30,370
+جودتها وضامن يعني سعرها انه مافيش فيه زيادة وإلى
+
+317
+00:32:30,370 --> 00:32:36,870
+غير ذلك لكن لو كان انا بشعر يباقع بإنه انا هكون
+
+318
+00:32:36,870 --> 00:32:44,250
+عندي الزام للمشتريبذلك سوف لا اشتهد ربما يعني
+
+319
+00:32:44,250 --> 00:32:48,090
+كثيرا لا في اختيار النوع ولا في المساومة ولا في
+
+320
+00:32:48,090 --> 00:32:54,110
+تحديد السعر وبالتالي سيتضر المشتري في هذه الحالة
+
+321
+00:32:54,110 --> 00:32:59,240
+على كل حال هذه بتظل يعني بناء على الرأيالمهم لكن
+
+322
+00:32:59,240 --> 00:33:05,180
+قبل ذلك أنه نعود إلى الدليل أنه لما كان الأصل فيه
+
+323
+00:33:05,180 --> 00:33:11,240
+المعاملات الإباحة وما لم يرد محرم ولم يرد في
+
+324
+00:33:11,240 --> 00:33:19,460
+المعاملة المرابحة .. نعم؟ في المعاملات
+
+325
+00:33:19,460 --> 00:33:24,840
+أنا أقول في المعاملات الإباحةوهذا طبعا خلافا، وهذا
+
+326
+00:33:24,840 --> 00:33:28,940
+أحدثنا فيه في معاملات سابقة، بخلاف الإبادات،
+
+327
+00:33:28,940 --> 00:33:32,480
+الإبادات الأصل فيها المنى، بناء على قوله صلى الله
+
+328
+00:33:32,480 --> 00:33:35,560
+عليه وسلم، من أحدث في أمرنا هذا ما ليس منه، فهو
+
+329
+00:33:35,560 --> 00:33:42,120
+ردّك في المعاملات مراعاة يا إخوةللتطورات وتوسيعة
+
+330
+00:33:42,120 --> 00:33:48,920
+على الناس ودفع الحرج عنهم وموجود لديكم ما يبرهن
+
+331
+00:33:48,920 --> 00:33:53,900
+على ذلك طيب إذا هذا بالنسبالي الدليل الأول الدليل
+
+332
+00:33:53,900 --> 00:34:02,200
+الثاني اللذي استدل بيه القايلون بالجواز عموما
+
+333
+00:34:03,830 --> 00:34:11,370
+النصوص قدّالة على حل البيع .. احنا من أول الدنيا
+
+334
+00:34:11,370 --> 00:34:18,090
+مش قولنا المرابح العادية .. المرابح العاديةدليل
+
+335
+00:34:18,090 --> 00:34:26,910
+مشرعي تعموم الأدلة، الدالة على البيع عموما، كقوله
+
+336
+00:34:26,910 --> 00:34:29,930
+تعالى، واحل الله البيع، وقوله تعالى، إلا أن تكون
+
+337
+00:34:29,930 --> 00:34:34,360
+تجارة انتراض منكم، إلى غير ذلك، من المصوصوكذلك
+
+338
+00:34:34,360 --> 00:34:38,480
+المرابعة المصرفية،
+
+339
+00:34:38,480 --> 00:34:44,460
+المرابعة المصرفية أيها الأخوة هي باية، أليس اسمها
+
+340
+00:34:44,460 --> 00:34:50,880
+بايع المرابعة للآمر بالشراء؟فهي باية، ألا تدخلوا،
+
+341
+00:34:50,880 --> 00:34:56,240
+ألا تكونوا بعد ذلك فردًا وصورة من صور البايع
+
+342
+00:34:56,240 --> 00:35:01,400
+المشمولة، ما لم يرد فيها محرم كما قلنا، المشمولة
+
+343
+00:35:01,400 --> 00:35:07,020
+في النص، ربنا قال حل الله البايع، وهذا بايع، إلا
+
+344
+00:35:07,020 --> 00:35:15,560
+أن تكون تجارة، وهذه يعني تجارة، وبالتالي فالأدلة،
+
+345
+00:35:15,560 --> 00:35:20,630
+الأصل في الأدلة يا إخوان الأهمونكما نعرف ما لم يرد
+
+346
+00:35:20,630 --> 00:35:27,530
+ما يخصص ولم يرد المخصص لإخراج المرابح المصرفية عن
+
+347
+00:35:27,530 --> 00:35:39,590
+عموم البيع ولذلك قال هذا الفريق بما قال من حل بيع
+
+348
+00:35:39,590 --> 00:35:49,330
+المرابح المصرفية الدليل الثالثوهو أنه لما كانت
+
+349
+00:35:49,330 --> 00:35:58,350
+المعاملات التي لم يرد فيها نص من كتاب أو سنة أساس
+
+350
+00:35:58,350 --> 00:36:04,810
+التشريع فيها وبيان الحكم مبني على مراعاة المصالح
+
+351
+00:36:04,810 --> 00:36:11,100
+والمفاسد أو على مراعاة المصالحونظرنا في هذه
+
+352
+00:36:11,100 --> 00:36:18,140
+المرابحة المصرفية فوجدنا أنها تحقق من المصالح
+
+353
+00:36:18,140 --> 00:36:22,860
+الكثير قلنا
+
+354
+00:36:22,860 --> 00:36:28,900
+بتحليلهاقلنا بتشريعها ما هو وجه المصلحة يا اخوان
+
+355
+00:36:28,900 --> 00:36:35,520
+وجوه فيه تشريع أو وجه المصلحة الذي يتحقق من
+
+356
+00:36:35,520 --> 00:36:42,260
+المرابح المصرفية حقيقة مصالح كثيرةيعني لو أردنا أن
+
+357
+00:36:42,260 --> 00:36:50,480
+أقول أن المصالح التي تحققها المعابع المصرفية بعضها
+
+358
+00:36:50,480 --> 00:36:55,520
+يعود على المجتمع وبعضها يعود على الفرد نفسه البائع
+
+359
+00:36:55,520 --> 00:37:02,080
+والمشتري نفسي هما فالمشتري يحقق لنفسه رغبته في
+
+360
+00:37:02,080 --> 00:37:08,660
+شراء ما يريد في الوقت الذي لا يستطيع أن يشتري ما
+
+361
+00:37:08,660 --> 00:37:15,560
+يريده إلا بهذه الطريقةأنا عاوز غرفة نوم ولا أستطيع
+
+362
+00:37:15,560 --> 00:37:21,520
+دفع ثمانها، هذه طريقة توفر علي و تبعدني في نفس
+
+363
+00:37:21,520 --> 00:37:25,120
+الوقت عن الربا، توفر علي واحد يقول لي أنا ممكن
+
+364
+00:37:25,120 --> 00:37:30,400
+أقولي ما أنا ممكن أروح أعمل بطريق الربا، لأبشتريها
+
+365
+00:37:30,400 --> 00:37:35,740
+شراء عادي بأغلى شوية مالاش زي بالظبط انا الآن يا
+
+366
+00:37:35,740 --> 00:37:38,540
+اخوة اللي انا بروح اشتري من ال supermarket اللي
+
+367
+00:37:38,540 --> 00:37:43,420
+جنبي الشغل هو انا عارف انه في بياء الجملة اللي بدي
+
+368
+00:37:43,420 --> 00:37:47,740
+اركبله بشكل بشتريها بأرخص لكن انا بقول لأ بدي
+
+369
+00:37:47,740 --> 00:37:52,440
+اشتريها من هنا يعني توفيرا للوقت توفيرا للمصلحة مش
+
+370
+00:37:52,440 --> 00:38:01,000
+مستهلةيعني انا ممكن و كده يعني او لأنه انا كمان
+
+371
+00:38:01,000 --> 00:38:05,340
+ماعيش مصاري لاخر بدي اسجل دين حتى لو كتير من اللي
+
+372
+00:38:05,340 --> 00:38:08,600
+بيشتريه من ال supermarket اللي تحتهم او اللي جنبهم
+
+373
+00:38:08,600 --> 00:38:14,160
+بيشتري منه ببيع غالي وعارف انه ببيع غالي لأنه
+
+374
+00:38:14,160 --> 00:38:18,160
+بيشتري منه دين و السداد اخر الشهر وعارف انه عند
+
+375
+00:38:18,160 --> 00:38:21,540
+غيره او لو راح السوق الجملة ممكن يشتري بأرخص و
+
+376
+00:38:21,540 --> 00:38:31,070
+بكتيرهل قال او يقول او احد بحرمة ذلك؟ لا فانا
+
+377
+00:38:31,070 --> 00:38:35,810
+التجهت للبنك كأنني التجهت لسوق اخر يعني شخص بيبيع
+
+378
+00:38:35,810 --> 00:38:41,570
+بأغلى شويةو بتقصد عليها ما المشكلة اقولكوا في بيئة
+
+379
+00:38:41,570 --> 00:38:47,290
+.. حتى في عند الشخص الواحد بتروح على بائعي الأجهزة
+
+380
+00:38:47,290 --> 00:38:51,530
+الكهربائية، الثلاجات، التليفزيونات على الجرو ولا
+
+381
+00:38:51,530 --> 00:38:55,850
+على السجة ولا على كذا بيكم هذه الثلاجة بيقولك هذه
+
+382
+00:38:55,850 --> 00:39:03,050
+حاجة 3000 shekel نجده و 3500 تقصيد ع المكشوفمش هيك
+
+383
+00:39:03,050 --> 00:39:08,190
+اللي بيصير، والناس يتعاملون بذلك ويصححون هذه
+
+384
+00:39:08,190 --> 00:39:12,050
+المعاملة، الناس يتعاملون بذلك ويصححون هذه
+
+385
+00:39:12,050 --> 00:39:18,610
+المعاملة، فهذه يعني .. الآن في باية المرابحة
+
+386
+00:39:18,610 --> 00:39:23,270
+المصرفية، هذه تحقق مصلحة كما قلت وبطريقة ..
+
+387
+00:39:23,270 --> 00:39:31,230
+وبطريقة بعيدة عن الربا، بايةبايت للفرق للمشتري
+
+388
+00:39:31,230 --> 00:39:38,890
+تحققهم بدل ان يذهب للربع او ان يظل محتاج يعني على
+
+389
+00:39:38,890 --> 00:39:47,470
+كل حالات او يعني يتعقد يعني او طبعا على صعيد
+
+390
+00:39:47,470 --> 00:39:52,890
+البايع انا عندي ربح البنك او الجهة اللي بدها
+
+391
+00:39:52,890 --> 00:40:00,060
+تبيعنينبحت واستفادت وشغلت موظفينطيب على صعيد
+
+392
+00:40:00,060 --> 00:40:04,220
+المجتمع يا اخوة انظروا انا لما .. لو انا مافتحتش
+
+393
+00:40:04,220 --> 00:40:09,660
+هذا الباب بالمناسبة يعني هذا سيفتح بابا كبيرا انا
+
+394
+00:40:09,660 --> 00:40:13,720
+لما كان الباب هذا مغلق ومافيش هندي الا الربا احنا
+
+395
+00:40:13,720 --> 00:40:18,960
+كمحافظين مش هنخش في الاشي ملتزمين اسلاميا مش هنخش
+
+396
+00:40:18,960 --> 00:40:22,620
+في موضوع نشتري .. ندّاين بالربا عشان نشتري غرفة
+
+397
+00:40:22,620 --> 00:40:28,830
+نوم ولا شجة ولا كنب ولا سيارةطيب هذا علوقة التنمية
+
+398
+00:40:28,830 --> 00:40:34,830
+لكن انا لما بدي اشتري .. بدي اروح .. يعني .. لما
+
+399
+00:40:34,830 --> 00:40:39,150
+يفتح هذا الباب لما انا بدي اشتري شجة او اشتري أرض
+
+400
+00:40:39,150 --> 00:40:43,290
+او اشتري سيارة او اشتري .. هذا مدعاة للتشغيل و
+
+401
+00:40:43,290 --> 00:40:47,890
+للتنمية و لتحريك المال و لبناء الاقتصاد على كل
+
+402
+00:40:47,890 --> 00:40:51,430
+الأحوال هذه .. اذا .. اذا اقول المصالح تعودوا على
+
+403
+00:40:51,430 --> 00:40:58,430
+الفردع الباقى، على المشتري، على المجتمع ككل آخر
+
+404
+00:40:58,430 --> 00:41:11,270
+واحدة دقيقة واحدة فقط أن هذهالمعاملة تدفع الحرج
+
+405
+00:41:11,270 --> 00:41:15,850
+وهي مرتبطة بال .. بال .. مرتبطة بالذي قبلها تدفع
+
+406
+00:41:15,850 --> 00:41:21,430
+الحرج عن الناس و .. و المعاملات قائمة على هذا
+
+407
+00:41:21,430 --> 00:41:29,670
+الأساس المعاملات يا إخوة إنما شرعت و أبيحت للناس
+
+408
+00:41:29,670 --> 00:41:37,080
+دفعة للحرج لماذا شرع البيع؟تأثيرا على الناس، لو لم
+
+409
+00:41:37,080 --> 00:41:40,920
+يشغل البيع اللوالد بعق الناس وظل عنه بهذه الحياة،
+
+410
+00:41:40,920 --> 00:41:44,540
+هل يستطيع الإنسان أن يحقق لنفسه كل شيء؟ لازم
+
+411
+00:41:44,540 --> 00:41:51,130
+التفاعل والتبادلفهذه جاءت تيثيرا و اقول هي بالفعل
+
+412
+00:41:51,130 --> 00:41:55,510
+او لما كانت المعاملات انما كانت للتيثير و هذه جاءت
+
+413
+00:41:55,510 --> 00:42:00,810
+للتيثير على الناس و دفع الحرج عنهم و اي حرج و اي
+
+414
+00:42:00,810 --> 00:42:05,430
+تيثير يتحقق للناس بهذه .. والله الناس كتير اهدافها
+
+415
+00:42:05,430 --> 00:42:10,740
+و غاياتها بتتحقق وفق هذه ال .. و بالعكستضييق
+
+416
+00:42:10,740 --> 00:42:16,440
+وإغلاق هذه المعاملة يوقع الناس في الحرج أخيرا أقول
+
+417
+00:42:16,440 --> 00:42:24,200
+رغم كل هذه الأدلة فإنهم وضعوا أيضا شروطا وضعوا
+
+418
+00:42:24,200 --> 00:42:28,280
+شروطا للجواز بعد القول بالجواز نتحدث فيها المرة
+
+419
+00:42:28,280 --> 00:42:28,640
+القادمة
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ea9Itv19sis_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ea9Itv19sis_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..99d016a9ce12f6286feb638f04895d9e06498b94
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ea9Itv19sis_raw.json
@@ -0,0 +1 @@
+{"segments": [{"id": 1, "seek": 3269, "start": 20.65, "end": 32.69, "text": "الرحمن الرحيم الحمد لله والصلاة والسلام على رسول الله وعلى آله وصحبه ومن اهتدأ بهديه واستنى بسنته ليوم الدين و بعد", "tokens": [6027, 2288, 5016, 27842, 34892, 5016, 32640, 21542, 2304, 3215, 24976, 3224, 16070, 9381, 15040, 3660, 16070, 3794, 37440, 15844, 12602, 3794, 12610, 21984, 4032, 3615, 23942, 19753, 43761, 4032, 9381, 5016, 3555, 3224, 4032, 27842, 1975, 3224, 2655, 3215, 10721, 39627, 16254, 3224, 4032, 32277, 2655, 1863, 7578, 4724, 3794, 29399, 3224, 5296, 1829, 20498, 32748, 9957, 4032, 39182], "avg_logprob": -0.14395491998703752, "compression_ratio": 1.7333333333333334, "no_speech_prob": 1.4007091522216797e-05, "words": [{"start": 20.65, "end": 21.07, "word": "الرحمن", "probability": 0.889892578125}, {"start": 21.07, "end": 21.71, "word": " الرحيم", "probability": 0.9676106770833334}, {"start": 21.71, "end": 24.65, "word": " الحمد", "probability": 0.9290364583333334}, {"start": 24.65, "end": 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"word": " و", "probability": 0.9072265625}, {"start": 2520.57, "end": 2520.81, "word": " اي", "probability": 0.840087890625}, {"start": 2520.81, "end": 2521.27, "word": " تيثير", "probability": 0.9893798828125}, {"start": 2521.27, "end": 2522.01, "word": " يتحقق", "probability": 0.99404296875}, {"start": 2522.01, "end": 2522.81, "word": " للناس", "probability": 0.97998046875}, {"start": 2522.81, "end": 2523.77, "word": " بهذه", "probability": 0.899169921875}, {"start": 2523.77, "end": 2524.03, "word": " ..", "probability": 0.5224609375}, {"start": 2524.03, "end": 2524.31, "word": " والله", "probability": 0.76708984375}, {"start": 2524.31, "end": 2524.59, "word": " الناس", "probability": 0.98828125}, {"start": 2524.59, "end": 2524.93, "word": " كتير", "probability": 0.8720703125}, {"start": 2524.93, "end": 2525.43, "word": " اهدافها", "probability": 0.8109375}, {"start": 2525.43, "end": 2525.49, "word": " و", "probability": 0.98828125}, {"start": 2525.49, "end": 2525.85, "word": " غاياتها", "probability": 0.77490234375}, {"start": 2525.85, "end": 2526.53, "word": " بتتحقق", "probability": 0.95419921875}, {"start": 2526.53, "end": 2526.95, "word": " وفق", "probability": 0.96484375}, {"start": 2526.95, "end": 2527.35, "word": " هذه", "probability": 0.9462890625}, {"start": 2527.35, "end": 2528.23, "word": " ال", "probability": 0.7333984375}, {"start": 2528.23, "end": 2528.83, "word": " ..", "probability": 0.93359375}, {"start": 2528.83, "end": 2529.05, "word": " و", "probability": 0.6220703125}, {"start": 2529.05, "end": 2529.79, "word": " بالعكس", "probability": 0.97265625}], "temperature": 1.0}, {"id": 115, "seek": 254864, "start": 2529.96, "end": 2548.64, "text": "تضييق وإغلاق هذه المعاملة يوقع الناس في الحرج أخيرا أقول رغم كل هذه الأدلة فإنهم وضعوا أيضا شروطا وضعوا شروطا للجواز بعد القول بالجواز نتحدث فيها المرة القادمة", "tokens": [2655, 11242, 1829, 1829, 4587, 4032, 28814, 17082, 15040, 4587, 29538, 9673, 3615, 10943, 37977, 7251, 30543, 3615, 2423, 8315, 3794, 8978, 21542, 47341, 5551, 9778, 13546, 995, 5551, 39648, 12602, 17082, 2304, 28242, 29538, 16247, 3215, 37977, 6156, 28814, 1863, 16095, 4032, 11242, 3615, 14407, 36632, 11242, 995, 13412, 32887, 9566, 995, 4032, 11242, 3615, 14407, 13412, 32887, 9566, 995, 24976, 7435, 2407, 31377, 39182, 25062, 12610, 20666, 7435, 2407, 31377, 8717, 2655, 24401, 12984, 8978, 11296, 9673, 25720, 25062, 18513, 46007], "avg_logprob": -0.10053943532208602, "compression_ratio": 1.774390243902439, "no_speech_prob": 2.014636993408203e-05, "words": [{"start": 2529.96, "end": 2530.74, "word": "تضييق", "probability": 0.84501953125}, {"start": 2530.74, "end": 2531.58, "word": " وإغلاق", "probability": 0.9255859375}, {"start": 2531.58, "end": 2532.28, "word": " هذه", "probability": 0.970703125}, {"start": 2532.28, "end": 2533.68, "word": " المعاملة", "probability": 0.992431640625}, {"start": 2533.68, "end": 2534.4, "word": " يوقع", "probability": 0.93359375}, {"start": 2534.4, "end": 2534.8, "word": " الناس", "probability": 0.98193359375}, {"start": 2534.8, "end": 2534.9, "word": " في", "probability": 0.9619140625}, {"start": 2534.9, "end": 2535.32, "word": " الحرج", "probability": 0.968994140625}, {"start": 2535.32, "end": 2535.96, "word": " أخيرا", "probability": 0.73577880859375}, {"start": 2535.96, "end": 2536.44, "word": " أقول", "probability": 0.835205078125}, {"start": 2536.44, "end": 2536.98, "word": " رغم", "probability": 0.96728515625}, {"start": 2536.98, "end": 2537.24, "word": " كل", "probability": 0.9833984375}, {"start": 2537.24, "end": 2537.58, "word": " هذه", "probability": 0.9892578125}, {"start": 2537.58, "end": 2538.18, "word": " الأدلة", "probability": 0.9698893229166666}, {"start": 2538.18, "end": 2539.3, "word": " فإنهم", "probability": 0.9583740234375}, {"start": 2539.3, "end": 2540.04, "word": " وضعوا", "probability": 0.99169921875}, {"start": 2540.04, "end": 2540.86, "word": " أيضا", "probability": 0.9329427083333334}, {"start": 2540.86, "end": 2542.12, "word": " شروطا", "probability": 0.91748046875}, {"start": 2542.12, "end": 2544.2, "word": " وضعوا", "probability": 0.85675048828125}, {"start": 2544.2, "end": 2544.78, "word": " شروطا", "probability": 0.982666015625}, {"start": 2544.78, "end": 2545.6, "word": " للجواز", "probability": 0.966064453125}, {"start": 2545.6, "end": 2546.04, "word": " بعد", "probability": 0.8544921875}, {"start": 2546.04, "end": 2546.42, "word": " القول", "probability": 0.98291015625}, {"start": 2546.42, "end": 2547.12, "word": " بالجواز", "probability": 0.964599609375}, {"start": 2547.12, "end": 2547.82, "word": " نتحدث", "probability": 0.83062744140625}, {"start": 2547.82, "end": 2548.06, "word": " فيها", "probability": 0.98388671875}, {"start": 2548.06, "end": 2548.28, "word": " المرة", "probability": 0.93603515625}, {"start": 2548.28, "end": 2548.64, "word": " القادمة", "probability": 0.9915364583333334}], "temperature": 1.0}], "language": "ar", "language_probability": 1.0, "duration": 2550.712, "duration_after_vad": 2468.1831249999914}
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ea9Itv19sis_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ea9Itv19sis_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..37012d4142262d28f2a6e7f784f23ca477f0ab96
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ea9Itv19sis_raw.srt
@@ -0,0 +1,1676 @@
+1
+00:00:20,650 --> 00:00:26,570
+الرحمن الرحيم الحمد لله والصلاة والسلام على رسول
+
+2
+00:00:26,570 --> 00:00:31,650
+الله وعلى آله وصحبه ومن اهتدأ بهديه واستنى بسنته
+
+3
+00:00:31,650 --> 00:00:37,260
+ليوم الدين و بعدلا يزال حديثنا عن المرابحة
+
+4
+00:00:37,260 --> 00:00:45,080
+المصرفية وبعد أن تحدثنا عن حقيقة المرابحة المصرفية
+
+5
+00:00:45,080 --> 00:00:52,920
+وأنها عبارة عن طلب شخص شراء سلعة أو بضاعة من شخص
+
+6
+00:00:52,920 --> 00:01:00,740
+آخر أو من جهة أخرى أو من شركة أو من بنك على أساس
+
+7
+00:01:00,740 --> 00:01:08,240
+الوعدبشرائها مرابحة على ان يتم دفع ثمنها من قبل
+
+8
+00:01:08,240 --> 00:01:13,040
+المشتري او الواعد بالشراء تقسيطا او على دفعات تم
+
+9
+00:01:13,040 --> 00:01:18,560
+الاتفاق عليها بعد ان تعرفنا على حقيقة هذه المعاملة
+
+10
+00:01:18,560 --> 00:01:25,540
+وهي المرابحةوالخطوات التي تتم بها بدءا من تقديم
+
+11
+00:01:25,540 --> 00:01:32,440
+طلب الشراء ودراسة الطلب والقيام من قبل البنك
+
+12
+00:01:32,440 --> 00:01:40,680
+بتوقيع عقد المواعدة ثم عملية شراء البنك للسلعة
+
+13
+00:01:40,680 --> 00:01:48,500
+لتنتهي بعد كل ذلكبتتويجي كل هذه الخطوات بعقد بيع
+
+14
+00:01:48,500 --> 00:01:54,100
+المرابحة تحدثنا في كل هذه الخطوات ثم بدأنا نتحدث
+
+15
+00:01:54,100 --> 00:02:00,940
+بالفعل عن أهم الفروق التي تتجلى بين المرابحة
+
+16
+00:02:00,940 --> 00:02:05,800
+المصرفية والمرابحة العادية وذكرنا بعضها في المدة
+
+17
+00:02:05,800 --> 00:02:08,380
+في المرة السابقة
+
+18
+00:02:10,930 --> 00:02:14,970
+وكان على رأسها على رأس هذه الفروق التي تحدثنا فيها
+
+19
+00:02:14,970 --> 00:02:21,890
+أنها أي المرابحة العادية السلعة تكون حاضرة تكون
+
+20
+00:02:21,890 --> 00:02:29,790
+موجودة عند البيع عند البيع أو عند طلب الشراء تكون
+
+21
+00:02:29,790 --> 00:02:33,960
+حاضرة موجودة في المرابحة العاديةبينما في المرابح
+
+22
+00:02:33,960 --> 00:02:39,840
+المصرفية السلعة غير حاضرة عند البايع وعند البائع
+
+23
+00:02:39,840 --> 00:02:45,760
+عند الجهة التي نطلب منها او يطلب الشخص منها شراء
+
+24
+00:02:45,760 --> 00:02:50,700
+السلعة لاتكن حاضرة لديه لأنها لو كانت حاضرة لديه
+
+25
+00:02:50,700 --> 00:02:55,380
+تصبح مرابح عادية لو كانت حاضرة لديه تصبح مرابح
+
+26
+00:02:55,380 --> 00:03:01,680
+عادية في الغالبالحالة هذه أو المعاملة هذه السلعة
+
+27
+00:03:01,680 --> 00:03:06,900
+ليست حاضرة لدى البنك أو لدى الجهة التي تريد أن
+
+28
+00:03:06,900 --> 00:03:13,920
+تبيع وإنما موجودة في مكان آخر ومطلوب منه أن
+
+29
+00:03:13,920 --> 00:03:20,360
+يشتريها ومن ثم يبيعها إلى المشتري
+
+30
+00:03:27,680 --> 00:03:37,920
+الفرق الثاني من الفروق أن البائعة
+
+31
+00:03:37,920 --> 00:03:46,160
+في المرابح العادية قبل أن يبيع السلعة للمشتري يكون
+
+32
+00:03:46,160 --> 00:03:51,790
+قد اشتر هذه البطاعة أو تلكم السلعة لنفسهلنفسه
+
+33
+00:03:51,790 --> 00:04:00,490
+لحاجته او لتجارته وليس بناء على امر شخص اخر اولال
+
+34
+00:04:00,490 --> 00:04:07,890
+يبيعها مباشرة لشخص اخر ليس بالضرورة بخلاف الحال في
+
+35
+00:04:07,890 --> 00:04:15,010
+المرابحة المصرفية فان البائع اللى وهو البنكأو
+
+36
+00:04:15,010 --> 00:04:20,210
+الجهة التي استعدت لشراء و أصبحت في مقام البيع فيما
+
+37
+00:04:20,210 --> 00:04:25,990
+بعد، إنما تشتري هذه البطاعة قبل بيعها للمشتري
+
+38
+00:04:25,990 --> 00:04:31,470
+مرابحة، لا لنفسها، لا لحاجتها، لا لتجارتها، وإنما
+
+39
+00:04:31,470 --> 00:04:38,580
+تشتريها لشخص أو بناء على أمر شخص آخربناء على أمر
+
+40
+00:04:38,580 --> 00:04:48,520
+شخص آخر لتبيعه له وتربح جزء معين من الثمن، بخلاف
+
+41
+00:04:48,520 --> 00:04:55,210
+الصورة الأولىيعني من حيث المقصد دعنا نقول والغاية
+
+42
+00:04:55,210 --> 00:05:03,870
+هذه تختلف عن تلك في المرابح العادية عندما يشتري من
+
+43
+00:05:03,870 --> 00:05:08,930
+يريله شراء السلع مرابحة عادية إذا ما تمت عملية
+
+44
+00:05:08,930 --> 00:05:16,230
+الشراء قد تتم على سبيل دفع الثمن قد يتم على الفور
+
+45
+00:05:17,050 --> 00:05:24,630
+للبائع وقد يتم تأجيلا، قد يتم تنجيزا وقد يتم الدفع
+
+46
+00:05:24,630 --> 00:05:30,230
+تأجيلا وتقصيطاأدى ككل صور البيع، في البيع العادي
+
+47
+00:05:30,230 --> 00:05:33,170
+يا اخوة، حتى في غير المرابح العادية، في بيع
+
+48
+00:05:33,170 --> 00:05:36,710
+المساومة، أنت تشتري من الدكان، من الحانوت، من ال
+
+49
+00:05:36,710 --> 00:05:41,450
+supermarket، من السوق، قد تشتري أحيانا و تدفع، و
+
+50
+00:05:41,450 --> 00:05:46,510
+أحيانا قد تشتري وتسجل دايلة حتى آخر الشغل، أليس
+
+51
+00:05:46,510 --> 00:05:52,270
+كذلك؟وهذا ما يحدث في المرابحة تتم عملية الاتفاق
+
+52
+00:05:52,270 --> 00:05:58,010
+على بيع المرابح العادية وتشتريها إما أن تدفعيعني
+
+53
+00:05:58,010 --> 00:06:03,770
+نقدا و فورا و إما إذا كنت لك معرفة و كان لك حاجة
+
+54
+00:06:03,770 --> 00:06:11,490
+ربما تتفقوا مع ال .. الباية على أن يكون دفع
+
+55
+00:06:11,490 --> 00:06:16,950
+الثماني لاحقا، مؤجلا، إلى أخر الشهر، بعد أسبوع،
+
+56
+00:06:16,950 --> 00:06:23,320
+بعد يوم، بعد يومين، بعد شهرينلكن في المرابحة
+
+57
+00:06:23,320 --> 00:06:29,100
+المصرفية، غالبا، إن لم يكن دائما، ما يكون دفع
+
+58
+00:06:29,100 --> 00:06:36,240
+الثمن من قبل المشتري للسلعة مرابحة مصرفية تأجيلا،
+
+59
+00:06:36,240 --> 00:06:43,620
+تقصيطا، وليس فوريا، لأنه لو كان يريد الدفع فوريا،
+
+60
+00:06:43,620 --> 00:06:51,290
+مالتجه إلى هذه المعاملةوقلت وهذا في الغالب إلا
+
+61
+00:06:51,290 --> 00:06:57,310
+يعني في صور نادرة ذكرتها المرة الماضية يعني كأن
+
+62
+00:06:57,310 --> 00:07:06,170
+يكون البنك له قنوات تجارية خاصة ليست مستحقة لغيره
+
+63
+00:07:06,170 --> 00:07:11,170
+فيطلب المشتري منه أن يشتري له هذه السلعة على أن
+
+64
+00:07:11,170 --> 00:07:14,150
+يدفعها لأنه لا يستطيع أن يقوم بشرائها لنفسه
+
+65
+00:07:14,630 --> 00:07:20,030
+فيشتريها البنك مرابحة على أن يكون الدفع ناقدا،
+
+66
+00:07:20,030 --> 00:07:23,310
+وهذه حالات نادرة، لكن في الأهم الأغلب يكون الدفع
+
+67
+00:07:23,310 --> 00:07:29,690
+في المرابحة المصرفية تأجيلا وتقصيطا
+
+68
+00:07:31,240 --> 00:07:35,520
+في المرابحة المصرفية .. في المرابحة من ضمن الفروق
+
+69
+00:07:35,520 --> 00:07:40,420
+أيضا في المرابحة العادية و المرابحة المصرفية أن
+
+70
+00:07:40,420 --> 00:07:44,980
+المرابحة العادية أيها الأخوة .. الآن انظروا معي
+
+71
+00:07:44,980 --> 00:07:54,260
+انا قد اشتري شيئا سلعة معينة مثلا دعني اقول اشتريت
+
+72
+00:07:54,260 --> 00:07:54,940
+ثلاجة
+
+73
+00:07:57,460 --> 00:08:07,020
+ثم بعد ذلك يعني كانت صديقة مني فاستجلبت
+
+74
+00:08:07,020 --> 00:08:10,840
+صناعا او صانعا ليدهنها
+
+75
+00:08:12,580 --> 00:08:21,980
+و يعالجها ودفعته له جزء يعني من المال اجرة او حتى
+
+76
+00:08:21,980 --> 00:08:26,980
+هذه الثلاجة
+
+77
+00:08:26,980 --> 00:08:33,140
+عندما اشتريتها دفعت عليها تنظيفا وتحميلا وتصنيعا
+
+78
+00:08:33,140 --> 00:08:39,640
+بعض الشغلات الان هل هذه تضاف علىالثمن الأصلي وكل
+
+79
+00:08:39,640 --> 00:08:43,820
+ذلك يصبح ثمنها وبعد ذلك تباع مرابحتا بناء على
+
+80
+00:08:43,820 --> 00:08:48,340
+مجموع الثمن المكوّن من الثمن الأصلي زائد ما أضيف
+
+81
+00:08:48,340 --> 00:08:53,040
+عليها هذا محل خلاف في المرابح المصرفية وقد وضحت في
+
+82
+00:08:53,040 --> 00:08:57,820
+المرابح العادية آسف وقد وضحت ذلك المرة الماضية بعض
+
+83
+00:08:57,820 --> 00:09:03,340
+العلماء يقول في المرابح العادية لابدمن ذكر الثمن
+
+84
+00:09:03,340 --> 00:09:08,660
+الأصلي وليسنا مانيين بالإضافات التي تضيفها هذه
+
+85
+00:09:08,660 --> 00:09:14,820
+الإضافات لتحتسبها من الربح قل عليّ بخمسين وأريد
+
+86
+00:09:14,820 --> 00:09:17,760
+عشرين من ضمنها .. من ضمن العشرين يكون في الخمسة أو
+
+87
+00:09:17,760 --> 00:09:22,300
+الستة حسبهم اللي دفعتهم أجرة أو دفعتهم صنعة أو
+
+88
+00:09:22,300 --> 00:09:26,480
+دفعتهم تصليح أو دهان أو إلى غير ذلك والبعض يقول لا
+
+89
+00:09:26,480 --> 00:09:32,480
+بأس في ذلك في مسألة المرابح العادية هذا كلهمومن ..
+
+90
+00:09:32,480 --> 00:09:41,800
+ومن رفض ذلك إنما قصد التأكيد على الأمانة والبعد عن
+
+91
+00:09:41,800 --> 00:09:48,140
+الشبهة لأن مسألة يعني التحميل الإضافات هذه قد
+
+92
+00:09:48,140 --> 00:09:52,620
+تختلف فيها التقديرات لأنه ممكن هو بنفسه يكون
+
+93
+00:09:52,620 --> 00:09:59,440
+الصانعانا اللي شريتها وانا اللي ايه دهنتها طب
+
+94
+00:09:59,440 --> 00:10:04,300
+دهانها جداش أجورته؟ انا واحد مجدر لنفسي ادهان خمس
+
+95
+00:10:04,300 --> 00:10:10,060
+دنانير قد يكونوا أكثر وقد يكونوا أقل وقد يكونوا
+
+96
+00:10:10,060 --> 00:10:14,980
+هذا هو التقدير فالأبعد عن الشبهة ان لا تذكر ذلك في
+
+97
+00:10:14,980 --> 00:10:19,160
+هذا مش احنا بنقول بيع المرابح العادية بيع السلعات
+
+98
+00:10:19,160 --> 00:10:25,590
+بثمانية الأصليمع زيادة ربح المعلومة، هو الآن هيقول
+
+99
+00:10:25,590 --> 00:10:32,710
+عليّ بخمسين، فبعين، و في عندي خمسة و تحميل و كذا،
+
+100
+00:10:32,710 --> 00:10:37,150
+فهو ممكن يلاجيها أسهله يقولك عليّ بخمسة و ستين
+
+101
+00:10:38,550 --> 00:10:42,450
+خمسين زائد لتكاليف اللي زاد، لكن في رأي يقولك لأ
+
+102
+00:10:42,450 --> 00:10:47,130
+ماتقولش هيك، بعضا للشبهة وبعضا للاحتمالات، قول
+
+103
+00:10:47,130 --> 00:10:51,010
+عليّ بخمسين وانت بدل ما تطلب ربيع عشرة، اطلب ربيع
+
+104
+00:10:51,010 --> 00:10:55,780
+تلاتينقول أنا عليّ وخمسين وبيدي تلاتين لأن أنا
+
+105
+00:10:55,780 --> 00:11:02,600
+حملت ودهنت وظبط وإلى غير ذلك، لا بأسة في ذلك، بغض
+
+106
+00:11:02,600 --> 00:11:07,660
+النظر، بمعنى إنه في المرابح المصرفية هناك .. في
+
+107
+00:11:07,660 --> 00:11:11,680
+المرابح العادية هناك أكثر من رأي في هل يجوز أن
+
+108
+00:11:11,680 --> 00:11:16,920
+تحتسب الإضافاتمن قبل رأس المال أو لا يجوز ولكن حسب
+
+109
+00:11:16,920 --> 00:11:22,020
+ما هذا الخلاف في المرابح المصرفية فكل ما يضاف على
+
+110
+00:11:22,020 --> 00:11:28,100
+السلع التي يشتريها البنك من أجرها من إضافات فإنما
+
+111
+00:11:28,100 --> 00:11:33,840
+تضعف على الثمن و بلا خلاف أخده بالرأي الذي يجيز
+
+112
+00:11:33,840 --> 00:11:38,340
+واتمده أصلا هي المسألة كلها يعني في المرابح
+
+113
+00:11:38,340 --> 00:11:43,460
+المصرفية أخذت بعض الأعراف دون بعض فهذه كانت من ضمن
+
+114
+00:11:45,030 --> 00:11:50,130
+الفروق ثم من ضمن الفروق أيضا التي ربما تحدثنا فيها
+
+115
+00:11:50,130 --> 00:11:57,770
+او لم نتحدث ان الربحة في المرابح العادية انما يكون
+
+116
+00:11:57,770 --> 00:12:01,890
+نظيرة الجهد
+
+117
+00:12:03,090 --> 00:12:10,710
+والخبرة التي .. وطبعا المخاطرة التي يقد .. التي
+
+118
+00:12:10,710 --> 00:12:17,910
+يتحملها أو يقوم بها البائع البائع يشتري لنفسه كما
+
+119
+00:12:17,910 --> 00:12:19,210
+قلنا البطاعة
+
+120
+00:12:22,460 --> 00:12:31,080
+باجتهاده من وحي خبرته متحملا كل الاحتمالات قد يربح
+
+121
+00:12:31,080 --> 00:12:36,520
+قد يخسر كل ذلك فاذا تحقق قلبه الربح فانما يكون هذا
+
+122
+00:12:36,520 --> 00:12:43,300
+الربح عادة يعني مقابل انه اجتهد ومقابل انه اتشاطر
+
+123
+00:12:43,300 --> 00:12:49,620
+في عملية الشرع شرع بخمسين على طولروح باعها ب 60
+
+124
+00:12:49,620 --> 00:12:56,240
+لإن هو اجتهد و تحرك و من خلاله و استخدم خبرته لكن
+
+125
+00:12:56,240 --> 00:13:01,920
+الربح المتحصل في المرابح المصرفية هل يكون جراء و
+
+126
+00:13:01,920 --> 00:13:08,200
+نظير يعني جهد البنك و خبرة البنك و شطارة البنك و
+
+127
+00:13:08,200 --> 00:13:14,160
+مخاطر البنك لأ في الغالب و إنما يكونوا في الحقيقة
+
+128
+00:13:14,950 --> 00:13:23,130
+نظيرة تأجيل الثمن في الحقيقة إنما يكون الربح نظير
+
+129
+00:13:23,130 --> 00:13:29,390
+التقصيد هو البنك عارف إن هذا المشتري الذي طلب منه
+
+130
+00:13:29,390 --> 00:13:34,530
+الشراء لهذه السلعة لا يريد أن يدفع ناقدا وإنما
+
+131
+00:13:34,530 --> 00:13:39,770
+يريد أن يدفع تقصيدا فلذلك
+
+132
+00:13:40,950 --> 00:13:50,330
+يعني زاد عليه الثمن ولذلك كان الربح وإلا في الغالب
+
+133
+00:13:50,330 --> 00:13:55,730
+فإن البنك لا يتكلف أولا ليس لديه هذه الخبرة ولا
+
+134
+00:13:55,730 --> 00:14:00,590
+يتكلف جهودا كبيرة يعني تستحق ربما كل هذا يعني أنا
+
+135
+00:14:00,590 --> 00:14:06,590
+هل بمجرد أن خرج المندوب من البنك إلى الأرض أو إلى
+
+136
+00:14:06,590 --> 00:14:11,820
+شراء السيارة واشتراهادون أن يبدو لكثير مساومة
+
+137
+00:14:11,820 --> 00:14:19,280
+وكثير جدل وكثير بحث يستحق الفيدي أو 3000 دينار
+
+138
+00:14:19,280 --> 00:14:24,480
+يعني على مدار سنتين أو تلاتة؟ لأ، إذا مقابل ماذا
+
+139
+00:14:24,480 --> 00:14:30,140
+هذه الألاف اللي تستحقها؟ نظير في الحقيقة وتحتها
+
+140
+00:14:30,140 --> 00:14:35,320
+خطوط، نظير ماذا؟ نظير التأجيل، نظير التقصيد، أليس
+
+141
+00:14:35,320 --> 00:14:44,520
+كذلك؟ لكن هناك، ولذلك يا إخوانفي الغالب يعني تجدوا
+
+142
+00:14:44,520 --> 00:14:51,100
+النسب النسب الربح في المرابحات المصرفية محدودة
+
+143
+00:14:51,100 --> 00:14:59,760
+لأنها معروف نظير ايش نظير تقصيد ولذلك تختلفوا كمية
+
+144
+00:14:59,760 --> 00:15:06,040
+الربح باختلاف المدة ولكن في المرابح العادية لا
+
+145
+00:15:06,040 --> 00:15:13,310
+ينظر ولا يلتفت إلى شيء من هذاوإنما تكون كمية الربح
+
+146
+00:15:13,310 --> 00:15:20,150
+أو مبلغ الربح يعني بحسب الاتفاق وقد يبيع هذه مربحة
+
+147
+00:15:20,150 --> 00:15:25,970
+هذا الكمبيوتر لشخص مربحة عادية بمربح عشر دولار و
+
+148
+00:15:25,970 --> 00:15:30,530
+لشخص آخر بمربح عشرين دولار و لثالث مربحة عادية
+
+149
+00:15:30,530 --> 00:15:35,010
+وعلى الأمانة و لثالث بثلاثين و لرابع بخمسة
+
+150
+00:15:36,970 --> 00:15:42,040
+البيانات ساطرة كما يقولون لكن هناك لا مجالهناك في
+
+151
+00:15:42,040 --> 00:15:46,320
+نسب محددة لإنما
+
+152
+00:15:46,320 --> 00:15:50,240
+الربح نظير
+
+153
+00:15:50,240 --> 00:15:55,740
+وبدل المدد اللتي ينتظرها
+
+154
+00:15:55,740 --> 00:16:02,460
+ال bank حتى يسترد الثمن بالإضافة للربح احنا بجانب
+
+155
+00:16:02,460 --> 00:16:07,380
+النظر عن الحلوة الحرمة هذا فرق لابد من الالتفات
+
+156
+00:16:07,380 --> 00:16:09,980
+اليه وهو ملاحظة
+
+157
+00:16:13,180 --> 00:16:22,120
+كذلك يا أخوة فإن من الفروق التي ذكرها العلماء أو
+
+158
+00:16:22,120 --> 00:16:28,140
+التي يمكن استخلاصها أن ال ..
+
+159
+00:16:30,660 --> 00:16:36,140
+البضاعة أو السلع المشترى مرابحة وهذا .. هذا الفرق
+
+160
+00:16:36,140 --> 00:16:41,760
+الحقيقى فرق او فرق من اخر كنت قد ذكرته لكن ربما من
+
+161
+00:16:41,760 --> 00:16:47,880
+الجميل انه فرضه ان احنا قلنا قبل بشوية ان ممكن
+
+162
+00:16:47,880 --> 00:16:53,500
+واحد يشتري شغلة ويصنعها او يضيف عليها شغل او
+
+163
+00:16:53,500 --> 00:16:58,590
+يستهلك العكس يعني يستهلك منها و بعدين يبيعهاأو
+
+164
+00:16:58,590 --> 00:17:05,450
+اظبطها يعني على الشىء .. لكن في .. وهذه .. وهذا
+
+165
+00:17:05,450 --> 00:17:10,550
+فرق آخر بين المرابحة العادية وبين المرابحة
+
+166
+00:17:10,550 --> 00:17:17,030
+المصرفية في المرابحة العادية البضاعة لأنها مشترا
+
+167
+00:17:17,030 --> 00:17:21,710
+لصاحبها فإن له الحق في أن يضيف عليها أو يستهلك
+
+168
+00:17:21,710 --> 00:17:26,790
+منها أو يزيد عليها أو ينقص منهاطيب فماشي انا في
+
+169
+00:17:26,790 --> 00:17:36,320
+يعني شارية تلفزيون و مع قاعدةمثلا بقدر أخد القاعدة
+
+170
+00:17:36,320 --> 00:17:41,280
+إلي استخدمتها لتليفزيون مع طاولة مع بعضهم بقدر أخد
+
+171
+00:17:41,280 --> 00:17:45,500
+الطاولة و أجلدها و بعدين أضيع ال .. ال .. ال .. ال
+
+172
+00:17:45,500 --> 00:17:50,140
+.. التليفزيون لوحده لكن يعني مثلا في المنابحات
+
+173
+00:17:50,140 --> 00:17:55,120
+العادية بقدر أضيف عليه انا ما اشتريته بدون قاعدة
+
+174
+00:17:55,120 --> 00:17:59,770
+عملتله قاعد عملتله صندوق كان زماناليوم خلصت
+
+175
+00:17:59,770 --> 00:18:03,810
+الموضوع هذه، كان زمان بشري التلفزيون اليوم، تاني
+
+176
+00:18:03,810 --> 00:18:07,230
+يوم بروح النجار، بده غرفة التلفزيون، ايش اسمها؟
+
+177
+00:18:07,230 --> 00:18:11,570
+خزانة، خزانة للتلفزيون، بتسحب هيك كده، اه اليوم
+
+178
+00:18:11,570 --> 00:18:15,810
+خلاص انتهت، اليوم LCD ومعلج على .. في الصالون،
+
+179
+00:18:15,810 --> 00:18:19,890
+مافي مشكلة، فإذا .. الآن لو بدي أبيعه، بدي أبيعه
+
+180
+00:18:19,890 --> 00:18:25,180
+مع الخزانة، ما .. مافيش مشكلة يعني، واحد كدهاذا في
+
+181
+00:18:25,180 --> 00:18:28,680
+.. في ال .. شريت شوية خراف بقى جعدت سبوعين تلاتة
+
+182
+00:18:28,680 --> 00:18:33,700
+أطعم واسج فيهم يعني حلقتلهم وظبطلهم وغسلتهم في
+
+183
+00:18:33,700 --> 00:18:39,040
+البحر بصير ف .. لكن هذا كله بيحدث في المرابح
+
+184
+00:18:39,040 --> 00:18:42,340
+العادية اللتي أشتريها لنفسي و بعد ذلك يريدوا أن
+
+185
+00:18:42,340 --> 00:18:47,240
+يبيعها لكن في المرابح المصرفية زي ما بيقول المثل
+
+186
+00:18:47,240 --> 00:18:52,070
+البلدي ما بيجي مشجع المطوعهاما بيجي مشجع المطوع
+
+187
+00:18:52,070 --> 00:18:57,250
+يعني ما بعمل إشي، كما يشتريها يعني لو كانت السيارة
+
+188
+00:18:57,250 --> 00:19:04,030
+غبرة مش مستعد يغسلها، جاي من النفج يعني، وإنما
+
+189
+00:19:04,030 --> 00:19:10,170
+يسلمها كما هيلأن هو عليه تسيرات خلاص فيه أشي
+
+190
+00:19:10,170 --> 00:19:16,310
+رسميات هذه شراهب كذا وفيه نسبة الربيع كذا هو الجهة
+
+191
+00:19:16,310 --> 00:19:22,690
+يعني هيكذا تعمل وليست مستعدة أن تضيف شيئا باستثناء
+
+192
+00:19:22,690 --> 00:19:29,710
+ما يلزم من ايش من تحميل وتنزيل وغير ذلك لكن إنه
+
+193
+00:19:29,710 --> 00:19:37,690
+أنا أدهن شغلة أغسل أزيد أنقصلأ في .. هذا ما يحدث
+
+194
+00:19:37,690 --> 00:19:42,910
+في الغالب بالنسبة للمرابحات او طريقة المرابحة
+
+195
+00:19:42,910 --> 00:19:47,430
+المصرفية صلح مايصلحش او إلى ذلك ذلك و كذلك في
+
+196
+00:19:47,430 --> 00:19:50,630
+الشرط الأخير او في الفرق الأخير يعني في الغالب يا
+
+197
+00:19:50,630 --> 00:19:56,060
+اخوةال .. ال .. البضاعة المشترعة وهذا أيضا مرتبط
+
+198
+00:19:56,060 --> 00:20:01,220
+بالذي قبل .. بالذي قلته والذي قلته من قبل البضاعة
+
+199
+00:20:01,220 --> 00:20:05,380
+في المرابحات العادية كثير منها ما يكون قابلة
+
+200
+00:20:05,380 --> 00:20:11,000
+للنماء زي ما قلت ممكن أشتري رجول خراف دجاج و أقعد
+
+201
+00:20:11,000 --> 00:20:16,980
+عند أسابيع أو أشهر حتى أكبرو أحيانا ممكن تتم عملية
+
+202
+00:20:16,980 --> 00:20:20,160
+البيع مربح أنا والله يا عم عليا و هم لسه قبل تلت
+
+203
+00:20:20,160 --> 00:20:24,560
+شهور أو تلت أسابيع أو تلت أيام قبل ما أطعمهم و قبل
+
+204
+00:20:24,560 --> 00:20:29,440
+ما أسجيهم عليهم كذا من كذا طب انت حسب لحالك بصير
+
+205
+00:20:29,440 --> 00:20:34,300
+هيك التفاهمات جدش هتكلف لو كان عندك و بعدين اعطيني
+
+206
+00:20:34,300 --> 00:20:42,190
+يعني الربحممكن لكن عمليات كده أو بضاعة مما يعني
+
+207
+00:20:42,190 --> 00:20:48,390
+تحتاج إلى نماء وتحتاج إلى محافظة لا يشتريها البنك
+
+208
+00:20:48,390 --> 00:20:53,810
+ولا يقوم بتقديم عمليات أبدا لا يشتريها البنك إلا
+
+209
+00:20:53,810 --> 00:20:59,480
+إذا كانت إمكانية التسليم يعنيفورية، يعني بدوا
+
+210
+00:20:59,480 --> 00:21:03,200
+يشتري عجول، بدوا يشتري خراف، بدوا يشتري كذا، بدوا
+
+211
+00:21:03,200 --> 00:21:07,740
+يكون صاحبها ممكن يستنى على الفور، لأنه إذا لم
+
+212
+00:21:07,740 --> 00:21:11,160
+ينتظر على الفور، هو مش مستعد يقدملها أكل وشرب
+
+213
+00:21:11,160 --> 00:21:15,620
+وأدوية وغير ذلك، وفي هذه الحالة قد تموتوبالتالي في
+
+214
+00:21:15,620 --> 00:21:19,940
+هذه الحالة البنك يتخذ احتياطات كبيرة وربما يرفض
+
+215
+00:21:19,940 --> 00:21:23,740
+عملية الشراء لمثل هذه الحجيات التي تحتاج إلى
+
+216
+00:21:23,740 --> 00:21:31,120
+النماء والمحافظة وإن تم شراها يتم وفق قيود مشددة
+
+217
+00:21:31,120 --> 00:21:36,860
+وشروط محددة هذه ربما يا أخوة أهم الشروط التي
+
+218
+00:21:38,260 --> 00:21:44,580
+تختلفوا فيها المرابحة المصرفية عن المرابحة العادية
+
+219
+00:21:44,580 --> 00:21:49,680
+طبعا من خلال استعراض الشروط يبدو أن ثم تشهروا ..
+
+220
+00:21:49,680 --> 00:21:55,540
+آسف الفروق يبدو أن ثم تشهروا فروق يعني تستحق
+
+221
+00:21:55,540 --> 00:22:02,540
+الوقفة بمعنى تكاد تكون جوهرية بمعنى أنه يمكن أن
+
+222
+00:22:02,540 --> 00:22:08,940
+يكون لها أثر على تغيير الحكمومنها فروق لأثر لها
+
+223
+00:22:08,940 --> 00:22:17,520
+فروق شكلية، يعني احنا لما نقول المال نظير .. نظير
+
+224
+00:22:17,520 --> 00:22:22,580
+التأجيل مش نظير الجهد، بدها واقفة، بتخوف، صارتش
+
+225
+00:22:22,580 --> 00:22:29,180
+فيه الربةمثلا يعني لما نقول عملية الاتفاق المبدأي
+
+226
+00:22:29,180 --> 00:22:37,600
+تتمه بالسلع غير موجودة، قد يتخذها القائلون بعدم
+
+227
+00:22:37,600 --> 00:22:42,760
+الجواز ذريع ويقولون هذا شيء من نوع ما لا يملك،
+
+228
+00:22:42,760 --> 00:22:50,970
+مثلاوإن كانت على كل الأحوال كل هذه التوجهات
+
+229
+00:22:50,970 --> 00:22:58,150
+محله أخذ و رد و نظرعلى كل الأحوال هذه أيها الأخوة
+
+230
+00:22:58,150 --> 00:23:02,490
+مجملة يعني احنا ببياننا لهذه الفروق أستطيع أن أقول
+
+231
+00:23:02,490 --> 00:23:09,830
+أنه طبحت لنا صورة المرابحة المصرفية بجلاء بعد أن
+
+232
+00:23:09,830 --> 00:23:15,840
+بينا حقيقتها و قطواتها التي تتم بهاوالفروق بينها
+
+233
+00:23:15,840 --> 00:23:23,280
+وبين المرابحة العادية بات يعني الأمر أو أزف الحديث
+
+234
+00:23:23,280 --> 00:23:30,220
+عن حكم المرابحة هذه المرابحة التي تحدثنا عن
+
+235
+00:23:30,220 --> 00:23:35,120
+حقيقتها وخطواتها والفرق بينها وبين المرابحة
+
+236
+00:23:35,120 --> 00:23:41,570
+العادية هل تأخذ حكم المرابحة العادية فهي جائزةأم
+
+237
+00:23:41,570 --> 00:23:50,010
+أنها بهذه الفروق أصبحت معاملة مختلفة دخلة فيها ما
+
+238
+00:23:50,010 --> 00:23:56,510
+يجعلها مختلفة من حيث الحكم عن المرابحة العادية
+
+239
+00:23:56,510 --> 00:24:04,350
+فأصبحت حراما طيح الأمر على العلماء المعاصرين لأن
+
+240
+00:24:04,350 --> 00:24:11,760
+المعاملة معاصرة كما قلنا وكالعادة وجدناه مختلفالى
+
+241
+00:24:11,760 --> 00:24:19,280
+او على فريقين فريق اجاز المرابحة برغم المصرفية
+
+242
+00:24:19,280 --> 00:24:24,540
+المرابحة العادية مافيها مشكلة فريق اجاز المرابحة
+
+243
+00:24:24,540 --> 00:24:28,500
+المصرفية المرابحة اللي امر بالشراء وهم يعني
+
+244
+00:24:28,500 --> 00:24:35,130
+الاكثرون من المؤلماء المؤاصرينوماذا عن الفروق؟ في
+
+245
+00:24:35,130 --> 00:24:41,590
+الجملة قالوا هذه الفروق في جملتها شكلية، في جملتها
+
+246
+00:24:41,590 --> 00:24:50,490
+.. بسم مفصل، هي فروق لا تغير من حقيقة مشروعية
+
+247
+00:24:50,490 --> 00:24:53,130
+المرابعة المصرفية من شيء
+
+248
+00:24:58,160 --> 00:25:04,480
+وإن كان من يعني .. من .. من .. من .. من فرق يعني
+
+249
+00:25:04,480 --> 00:25:10,080
+حساس يعني اعتمد عليه القايلون بالحرمة يعني لهم فيه
+
+250
+00:25:10,080 --> 00:25:15,880
+تخريج كمثال اخر وهو فرق الوعد و بالشراء هل هو ملزم
+
+251
+00:25:15,880 --> 00:25:20,810
+او غير ملزم وفريق اخرطبعا هذا الفريق .. هذا الفريق
+
+252
+00:25:20,810 --> 00:25:24,610
+الأول على رأسه الدكتور القبضاوي الفريق الآخر يا
+
+253
+00:25:24,610 --> 00:25:31,290
+إخوة نظرة إلى الفروق كما قلت واعتبرها فروق جوهرية
+
+254
+00:25:31,290 --> 00:25:41,060
+تغيره في الحكم و .. و تنقله من الحرمةمن الحل إلى
+
+255
+00:25:41,060 --> 00:25:45,780
+الحرمة فليس معناه أن المرابحة حلالا العادية أن هذه
+
+256
+00:25:45,780 --> 00:25:51,140
+لأن اسمها مرابحة أصبحت حلالا ذلك أنه قد اعتراها
+
+257
+00:25:51,140 --> 00:25:57,960
+كثير من التغييرات كثير من الإجراءات وكثير من
+
+258
+00:25:57,960 --> 00:26:05,280
+الاختلافات التي غيرت من شكلها كما غيرت من جوهرها
+
+259
+00:26:05,280 --> 00:26:12,580
+ومضمونهاهذا بالجملة إذا أردنا أن ندخل في التفاصيل
+
+260
+00:26:12,580 --> 00:26:19,120
+إذا أردنا أن ندخل في التفاصيل والاستدلالات
+
+261
+00:26:19,120 --> 00:26:27,740
+نقول أما الفريق الأول فقد استدلى على القول بجوازي
+
+262
+00:26:27,740 --> 00:26:34,590
+المرابحة المصرفية بأدلة عامةو .. و هي في النهاية
+
+263
+00:26:34,590 --> 00:26:39,350
+او في الغالب هي أدلة قوية من حيث ذاتها، لكن
+
+264
+00:26:39,350 --> 00:26:45,530
+المشكلة في مدى اطباقها على المعاملة، لأنها في
+
+265
+00:26:45,530 --> 00:26:52,580
+الحقيقة هي .. هي أدلة عامةيعني مثلا عندما يستدلون
+
+266
+00:26:52,580 --> 00:27:02,280
+بالقول بأن الأصل في المعاملات الإباحة هذا دليل عام
+
+267
+00:27:02,280 --> 00:27:09,400
+لكن خلال هذا الدليل هم يستدلون
+
+268
+00:27:09,400 --> 00:27:16,550
+على صحة المرابحة المصرفية ذلك أنالمرابحة المصرفية
+
+269
+00:27:16,550 --> 00:27:23,810
+هذه لم يرد فيها دليل لا بالحل ولا بالحرمة لنفترض
+
+270
+00:27:23,810 --> 00:27:30,670
+ذلكفو القاعدة تقول الأصل فيها المعاملات الإباحة
+
+271
+00:27:30,670 --> 00:27:36,010
+طبعا إلى تكمل القاعدة ما لم يرد محرم ولم يرد لا في
+
+272
+00:27:36,010 --> 00:27:39,950
+كتاب الله ولا في سنة رسول الله صلى الله عليه وسلم
+
+273
+00:27:39,950 --> 00:27:49,470
+ما ينص على تحريم الإباحة المرابحة
+
+274
+00:27:49,470 --> 00:27:53,270
+المصرفية أو المرابحة للآمر باشراق
+
+275
+00:27:55,350 --> 00:28:01,030
+ولذلك تكون جائزة وهذه الفروق يعني مجرد كما قلت
+
+276
+00:28:01,030 --> 00:28:09,670
+فروق شكلية بل أكثر من ذلك فإن هناك صور قديمة من
+
+277
+00:28:09,670 --> 00:28:14,370
+صور البيوع هي أشبه إلى حد كبير
+
+278
+00:28:18,160 --> 00:28:24,600
+الى المرابحة المصرفية ذلك انه قد ورد عن بعض
+
+279
+00:28:24,600 --> 00:28:30,020
+الفقهاء كالامام الشافعي وغيره انه لو قال شخص لآخر
+
+280
+00:28:30,020 --> 00:28:35,420
+اشتري ليه هذه السلعةاشتري ليه هذا الموجود، وهو
+
+281
+00:28:35,420 --> 00:28:39,540
+شبيه بالمرابحة العادية، الاناسف المصرفية، اشتري
+
+282
+00:28:39,540 --> 00:28:46,640
+ليه هذه السلعة واربيحك عليها كذا وكذا، جاز ذلك،
+
+283
+00:28:46,640 --> 00:28:51,220
+واربيحك عليها، اشتري ليه هذه السلعة واربيحك عليها
+
+284
+00:28:51,220 --> 00:28:55,370
+كذا وكذا، جاز ذلك، أليست هذه الصورة؟صورة مشابهة
+
+285
+00:28:55,370 --> 00:28:59,570
+إلى حد كبير إلى المرابحة المصرفية، لكن هو لم يشر
+
+286
+00:28:59,570 --> 00:29:05,430
+إلى مسألة الامانة والتفريق، لم يشر إلى مسألة
+
+287
+00:29:05,430 --> 00:29:10,730
+الالتزام بالشراء، الالتزام بالوعد بالشراء، لأن
+
+288
+00:29:10,730 --> 00:29:15,430
+الشافعي وغير الشافعي لم يلزمالمشتري و الحالة وهذه
+
+289
+00:29:15,430 --> 00:29:22,030
+بالشراق، الزاما تما وانما الإلزام كما قلنا هو
+
+290
+00:29:22,030 --> 00:29:30,990
+الزاما أدبيا ليس إلا بمعنى انه لو ان المشتري لم
+
+291
+00:29:30,990 --> 00:29:40,900
+يرغب في الشراق بعد أن أمرالشخص بذلك فإنه لا يتحمل
+
+292
+00:29:40,900 --> 00:29:47,140
+مسئولية وهنا أياه الإخوة قد يتساءل متسائل أليس في
+
+293
+00:29:47,140 --> 00:29:58,010
+ذلك الحاقن بالضرر للشخص الذي طلب منه الشراء؟ثم بعد
+
+294
+00:29:58,010 --> 00:30:06,610
+ذلك تخلى أو تخلف الطالب عن تحقيق أو وفاء طلبه؟
+
+295
+00:30:06,610 --> 00:30:12,030
+ولماذا لم تلزمه الشريعة على رأي الأجلب، على الأقل؟
+
+296
+00:30:12,030 --> 00:30:18,290
+لأن هذا مثل خلافية بذلك اسمعوا، في نقطة ينبغي أن
+
+297
+00:30:18,290 --> 00:30:22,590
+تفهموها، إلا إذا كان في واحد عندي تعليق شوفوا يا
+
+298
+00:30:22,590 --> 00:30:29,740
+إخوةالشريعة ربما هذا يعني تفسير اجتهادي عندما لم
+
+299
+00:30:29,740 --> 00:30:37,380
+تلزم المشتري بشراء ما طلبه من آخر شراءه كان هناك
+
+300
+00:30:37,380 --> 00:30:47,260
+حكمة وهي أنه لو عرف المشتري اللي هو المطلوب منه
+
+301
+00:30:47,260 --> 00:30:56,030
+الشراءبأن الشراء مضمون و ملزم له لمجتهدة في
+
+302
+00:30:56,030 --> 00:31:03,110
+المساومة أو في اختيار الجيد من أنواع السلاح كان
+
+303
+00:31:03,110 --> 00:31:09,610
+انا ضامن الشراء و ضامن الربح ضامن المشتري و ضامن
+
+304
+00:31:09,610 --> 00:31:14,290
+الربح اشتري ليه كذا و انا اشتريه منك و اربحك كذا و
+
+305
+00:31:14,290 --> 00:31:21,110
+كذالو انا في الغالب الناس مش كلهم يعني ..يعني
+
+306
+00:31:21,110 --> 00:31:28,770
+ذمامهم يعني صحيحة وصالحة، في ناس كتير يعني ذمامهم
+
+307
+00:31:28,770 --> 00:31:33,030
+واسعة وفي ناس ماعندهمش اهتمام بمصالح الآخرين
+
+308
+00:31:35,360 --> 00:31:40,360
+الشريعة التفتت إلى هذا المقنع، فلذلك يعني كأنّي
+
+309
+00:31:40,360 --> 00:31:46,320
+بها، إنما لم تلزمه لكي يجتهد، انتبهوا، في الشراء،
+
+310
+00:31:46,320 --> 00:31:54,020
+لكي يجتهد في الشراء كما يجتهد لنفسه وزيادة، بحيث
+
+311
+00:31:54,020 --> 00:32:02,700
+لو لم يشترها، المشتري ظلت له ودون أن يستشعر بالندم
+
+312
+00:32:03,900 --> 00:32:10,910
+شروي كويسة يشتريها يعني بيشتريها كإنها إلهوحتى
+
+313
+00:32:10,910 --> 00:32:14,930
+مابدكش اشتريها بلاش وانا بحصل يا اخوة كتير انا
+
+314
+00:32:14,930 --> 00:32:18,290
+بقول لفلان اشتريها قاله خلاص انا هشتريها وعجبك
+
+315
+00:32:18,290 --> 00:32:24,230
+عجبك ماعجبك انت حر لانه كأنه بقوله يعني انا ضامن
+
+316
+00:32:24,230 --> 00:32:30,370
+جودتها وضامن يعني سعرها انه مافيش فيه زيادة وإلى
+
+317
+00:32:30,370 --> 00:32:36,870
+غير ذلك لكن لو كان انا بشعر يباقع بإنه انا هكون
+
+318
+00:32:36,870 --> 00:32:44,250
+عندي الزام للمشتريبذلك سوف لا اشتهد ربما يعني
+
+319
+00:32:44,250 --> 00:32:48,090
+كثيرا لا في اختيار النوع ولا في المساومة ولا في
+
+320
+00:32:48,090 --> 00:32:54,110
+تحديد السعر وبالتالي سيتضر المشتري في هذه الحالة
+
+321
+00:32:54,110 --> 00:32:59,240
+على كل حال هذه بتظل يعني بناء على الرأيالمهم لكن
+
+322
+00:32:59,240 --> 00:33:05,180
+قبل ذلك أنه نعود إلى الدليل أنه لما كان الأصل فيه
+
+323
+00:33:05,180 --> 00:33:11,240
+المعاملات الإباحة وما لم يرد محرم ولم يرد في
+
+324
+00:33:11,240 --> 00:33:19,460
+المعاملة المرابحة .. نعم؟ في المعاملات
+
+325
+00:33:19,460 --> 00:33:24,840
+أنا أقول في المعاملات الإباحةوهذا طبعا خلافا، وهذا
+
+326
+00:33:24,840 --> 00:33:28,940
+أحدثنا فيه في معاملات سابقة، بخلاف الإبادات،
+
+327
+00:33:28,940 --> 00:33:32,480
+الإبادات الأصل فيها المنى، بناء على قوله صلى الله
+
+328
+00:33:32,480 --> 00:33:35,560
+عليه وسلم، من أحدث في أمرنا هذا ما ليس منه، فهو
+
+329
+00:33:35,560 --> 00:33:42,120
+ردّك في المعاملات مراعاة يا إخوةللتطورات وتوسيعة
+
+330
+00:33:42,120 --> 00:33:48,920
+على الناس ودفع الحرج عنهم وموجود لديكم ما يبرهن
+
+331
+00:33:48,920 --> 00:33:53,900
+على ذلك طيب إذا هذا بالنسبالي الدليل الأول الدليل
+
+332
+00:33:53,900 --> 00:34:02,200
+الثاني اللذي استدل بيه القايلون بالجواز عموما
+
+333
+00:34:03,830 --> 00:34:11,370
+النصوص قدّالة على حل البيع .. احنا من أول الدنيا
+
+334
+00:34:11,370 --> 00:34:18,090
+مش قولنا المرابح العادية .. المرابح العاديةدليل
+
+335
+00:34:18,090 --> 00:34:26,910
+مشرعي تعموم الأدلة، الدالة على البيع عموما، كقوله
+
+336
+00:34:26,910 --> 00:34:29,930
+تعالى، واحل الله البيع، وقوله تعالى، إلا أن تكون
+
+337
+00:34:29,930 --> 00:34:34,360
+تجارة انتراض منكم، إلى غير ذلك، من المصوصوكذلك
+
+338
+00:34:34,360 --> 00:34:38,480
+المرابعة المصرفية،
+
+339
+00:34:38,480 --> 00:34:44,460
+المرابعة المصرفية أيها الأخوة هي باية، أليس اسمها
+
+340
+00:34:44,460 --> 00:34:50,880
+بايع المرابعة للآمر بالشراء؟فهي باية، ألا تدخلوا،
+
+341
+00:34:50,880 --> 00:34:56,240
+ألا تكونوا بعد ذلك فردًا وصورة من صور البايع
+
+342
+00:34:56,240 --> 00:35:01,400
+المشمولة، ما لم يرد فيها محرم كما قلنا، المشمولة
+
+343
+00:35:01,400 --> 00:35:07,020
+في النص، ربنا قال حل الله البايع، وهذا بايع، إلا
+
+344
+00:35:07,020 --> 00:35:15,560
+أن تكون تجارة، وهذه يعني تجارة، وبالتالي فالأدلة،
+
+345
+00:35:15,560 --> 00:35:20,630
+الأصل في الأدلة يا إخوان الأهمونكما نعرف ما لم يرد
+
+346
+00:35:20,630 --> 00:35:27,530
+ما يخصص ولم يرد المخصص لإخراج المرابح المصرفية عن
+
+347
+00:35:27,530 --> 00:35:39,590
+عموم البيع ولذلك قال هذا الفريق بما قال من حل بيع
+
+348
+00:35:39,590 --> 00:35:49,330
+المرابح المصرفية الدليل الثالثوهو أنه لما كانت
+
+349
+00:35:49,330 --> 00:35:58,350
+المعاملات التي لم يرد فيها نص من كتاب أو سنة أساس
+
+350
+00:35:58,350 --> 00:36:04,810
+التشريع فيها وبيان الحكم مبني على مراعاة المصالح
+
+351
+00:36:04,810 --> 00:36:11,100
+والمفاسد أو على مراعاة المصالحونظرنا في هذه
+
+352
+00:36:11,100 --> 00:36:18,140
+المرابحة المصرفية فوجدنا أنها تحقق من المصالح
+
+353
+00:36:18,140 --> 00:36:22,860
+الكثير قلنا
+
+354
+00:36:22,860 --> 00:36:28,900
+بتحليلهاقلنا بتشريعها ما هو وجه المصلحة يا اخوان
+
+355
+00:36:28,900 --> 00:36:35,520
+وجوه فيه تشريع أو وجه المصلحة الذي يتحقق من
+
+356
+00:36:35,520 --> 00:36:42,260
+المرابح المصرفية حقيقة مصالح كثيرةيعني لو أردنا أن
+
+357
+00:36:42,260 --> 00:36:50,480
+أقول أن المصالح التي تحققها المعابع المصرفية بعضها
+
+358
+00:36:50,480 --> 00:36:55,520
+يعود على المجتمع وبعضها يعود على الفرد نفسه البائع
+
+359
+00:36:55,520 --> 00:37:02,080
+والمشتري نفسي هما فالمشتري يحقق لنفسه رغبته في
+
+360
+00:37:02,080 --> 00:37:08,660
+شراء ما يريد في الوقت الذي لا يستطيع أن يشتري ما
+
+361
+00:37:08,660 --> 00:37:15,560
+يريده إلا بهذه الطريقةأنا عاوز غرفة نوم ولا أستطيع
+
+362
+00:37:15,560 --> 00:37:21,520
+دفع ثمانها، هذه طريقة توفر علي و تبعدني في نفس
+
+363
+00:37:21,520 --> 00:37:25,120
+الوقت عن الربا، توفر علي واحد يقول لي أنا ممكن
+
+364
+00:37:25,120 --> 00:37:30,400
+أقولي ما أنا ممكن أروح أعمل بطريق الربا، لأبشتريها
+
+365
+00:37:30,400 --> 00:37:35,740
+شراء عادي بأغلى شوية مالاش زي بالظبط انا الآن يا
+
+366
+00:37:35,740 --> 00:37:38,540
+اخوة اللي انا بروح اشتري من ال supermarket اللي
+
+367
+00:37:38,540 --> 00:37:43,420
+جنبي الشغل هو انا عارف انه في بياء الجملة اللي بدي
+
+368
+00:37:43,420 --> 00:37:47,740
+اركبله بشكل بشتريها بأرخص لكن انا بقول لأ بدي
+
+369
+00:37:47,740 --> 00:37:52,440
+اشتريها من هنا يعني توفيرا للوقت توفيرا للمصلحة مش
+
+370
+00:37:52,440 --> 00:38:01,000
+مستهلةيعني انا ممكن و كده يعني او لأنه انا كمان
+
+371
+00:38:01,000 --> 00:38:05,340
+ماعيش مصاري لاخر بدي اسجل دين حتى لو كتير من اللي
+
+372
+00:38:05,340 --> 00:38:08,600
+بيشتريه من ال supermarket اللي تحتهم او اللي جنبهم
+
+373
+00:38:08,600 --> 00:38:14,160
+بيشتري منه ببيع غالي وعارف انه ببيع غالي لأنه
+
+374
+00:38:14,160 --> 00:38:18,160
+بيشتري منه دين و السداد اخر الشهر وعارف انه عند
+
+375
+00:38:18,160 --> 00:38:21,540
+غيره او لو راح السوق الجملة ممكن يشتري بأرخص و
+
+376
+00:38:21,540 --> 00:38:31,070
+بكتيرهل قال او يقول او احد بحرمة ذلك؟ لا فانا
+
+377
+00:38:31,070 --> 00:38:35,810
+التجهت للبنك كأنني التجهت لسوق اخر يعني شخص بيبيع
+
+378
+00:38:35,810 --> 00:38:41,570
+بأغلى شويةو بتقصد عليها ما المشكلة اقولكوا في بيئة
+
+379
+00:38:41,570 --> 00:38:47,290
+.. حتى في عند الشخص الواحد بتروح على بائعي الأجهزة
+
+380
+00:38:47,290 --> 00:38:51,530
+الكهربائية، الثلاجات، التليفزيونات على الجرو ولا
+
+381
+00:38:51,530 --> 00:38:55,850
+على السجة ولا على كذا بيكم هذه الثلاجة بيقولك هذه
+
+382
+00:38:55,850 --> 00:39:03,050
+حاجة 3000 shekel نجده و 3500 تقصيد ع المكشوفمش هيك
+
+383
+00:39:03,050 --> 00:39:08,190
+اللي بيصير، والناس يتعاملون بذلك ويصححون هذه
+
+384
+00:39:08,190 --> 00:39:12,050
+المعاملة، الناس يتعاملون بذلك ويصححون هذه
+
+385
+00:39:12,050 --> 00:39:18,610
+المعاملة، فهذه يعني .. الآن في باية المرابحة
+
+386
+00:39:18,610 --> 00:39:23,270
+المصرفية، هذه تحقق مصلحة كما قلت وبطريقة ..
+
+387
+00:39:23,270 --> 00:39:31,230
+وبطريقة بعيدة عن الربا، بايةبايت للفرق للمشتري
+
+388
+00:39:31,230 --> 00:39:38,890
+تحققهم بدل ان يذهب للربع او ان يظل محتاج يعني على
+
+389
+00:39:38,890 --> 00:39:47,470
+كل حالات او يعني يتعقد يعني او طبعا على صعيد
+
+390
+00:39:47,470 --> 00:39:52,890
+البايع انا عندي ربح البنك او الجهة اللي بدها
+
+391
+00:39:52,890 --> 00:40:00,060
+تبيعنينبحت واستفادت وشغلت موظفينطيب على صعيد
+
+392
+00:40:00,060 --> 00:40:04,220
+المجتمع يا اخوة انظروا انا لما .. لو انا مافتحتش
+
+393
+00:40:04,220 --> 00:40:09,660
+هذا الباب بالمناسبة يعني هذا سيفتح بابا كبيرا انا
+
+394
+00:40:09,660 --> 00:40:13,720
+لما كان الباب هذا مغلق ومافيش هندي الا الربا احنا
+
+395
+00:40:13,720 --> 00:40:18,960
+كمحافظين مش هنخش في الاشي ملتزمين اسلاميا مش هنخش
+
+396
+00:40:18,960 --> 00:40:22,620
+في موضوع نشتري .. ندّاين بالربا عشان نشتري غرفة
+
+397
+00:40:22,620 --> 00:40:28,830
+نوم ولا شجة ولا كنب ولا سيارةطيب هذا علوقة التنمية
+
+398
+00:40:28,830 --> 00:40:34,830
+لكن انا لما بدي اشتري .. بدي اروح .. يعني .. لما
+
+399
+00:40:34,830 --> 00:40:39,150
+يفتح هذا الباب لما انا بدي اشتري شجة او اشتري أرض
+
+400
+00:40:39,150 --> 00:40:43,290
+او اشتري سيارة او اشتري .. هذا مدعاة للتشغيل و
+
+401
+00:40:43,290 --> 00:40:47,890
+للتنمية و لتحريك المال و لبناء الاقتصاد على كل
+
+402
+00:40:47,890 --> 00:40:51,430
+الأحوال هذه .. اذا .. اذا اقول المصالح تعودوا على
+
+403
+00:40:51,430 --> 00:40:58,430
+الفردع الباقى، على المشتري، على المجتمع ككل آخر
+
+404
+00:40:58,430 --> 00:41:11,270
+واحدة دقيقة واحدة فقط أن هذهالمعاملة تدفع الحرج
+
+405
+00:41:11,270 --> 00:41:15,850
+وهي مرتبطة بال .. بال .. مرتبطة بالذي قبلها تدفع
+
+406
+00:41:15,850 --> 00:41:21,430
+الحرج عن الناس و .. و المعاملات قائمة على هذا
+
+407
+00:41:21,430 --> 00:41:29,670
+الأساس المعاملات يا إخوة إنما شرعت و أبيحت للناس
+
+408
+00:41:29,670 --> 00:41:37,080
+دفعة للحرج لماذا شرع البيع؟تأثيرا على الناس، لو لم
+
+409
+00:41:37,080 --> 00:41:40,920
+يشغل البيع اللوالد بعق الناس وظل عنه بهذه الحياة،
+
+410
+00:41:40,920 --> 00:41:44,540
+هل يستطيع الإنسان أن يحقق لنفسه كل شيء؟ لازم
+
+411
+00:41:44,540 --> 00:41:51,130
+التفاعل والتبادلفهذه جاءت تيثيرا و اقول هي بالفعل
+
+412
+00:41:51,130 --> 00:41:55,510
+او لما كانت المعاملات انما كانت للتيثير و هذه جاءت
+
+413
+00:41:55,510 --> 00:42:00,810
+للتيثير على الناس و دفع الحرج عنهم و اي حرج و اي
+
+414
+00:42:00,810 --> 00:42:05,430
+تيثير يتحقق للناس بهذه .. والله الناس كتير اهدافها
+
+415
+00:42:05,430 --> 00:42:10,740
+و غاياتها بتتحقق وفق هذه ال .. و بالعكستضييق
+
+416
+00:42:10,740 --> 00:42:16,440
+وإغلاق هذه المعاملة يوقع الناس في الحرج أخيرا أقول
+
+417
+00:42:16,440 --> 00:42:24,200
+رغم كل هذه الأدلة فإنهم وضعوا أيضا شروطا وضعوا
+
+418
+00:42:24,200 --> 00:42:28,280
+شروطا للجواز بعد القول بالجواز نتحدث فيها المرة
+
+419
+00:42:28,280 --> 00:42:28,640
+القادمة
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/f-p89oGxqSw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/f-p89oGxqSw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..5b1c5efdfa17119f3ca26d9bafd9cb548d1e6e83
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/f-p89oGxqSw.srt
@@ -0,0 +1,1362 @@
+1
+00:00:20,700 --> 00:00:26,080
+بسم الله الرحمن الرحيم الحمد لله رب العالمين
+
+2
+00:00:26,080 --> 00:00:29,000
+والصلاة والسلام على أشرف المرسلين محمد صلى الله
+
+3
+00:00:29,000 --> 00:00:33,440
+عليه وسلم وعلى
+
+4
+00:00:33,440 --> 00:00:37,740
+آله وصحبه ومن اهتدى بهديه واستنى بسُنته ليوم الدين
+
+5
+00:00:37,740 --> 00:00:47,650
+وبعد، نواصل حديثنا عن الإيجار المنتهى بالتمليك
+
+6
+00:00:47,650 --> 00:00:53,610
+في المحاضرة السابقة قد تحدثنا عن الإيجارة عمومًا
+
+7
+00:00:53,610 --> 00:00:59,530
+الإيجارة العادية التي عرفها فقهاؤنا قديما وعرفتها
+
+8
+00:00:59,530 --> 00:01:04,750
+البشرية في كل زمان وفي كل مكان، تعرفنا على حقيقة
+
+9
+00:01:04,750 --> 00:01:12,400
+الإيجارة وعلى أدلة مشروعيتها من القرآن والسنة
+
+10
+00:01:12,400 --> 00:01:21,020
+وبإجماع الأمة إضافة إلى الحاجة الماسة إليها، ثم
+
+11
+00:01:21,020 --> 00:01:25,700
+عرفنا أن الإيجار
+
+12
+00:01:25,700 --> 00:01:27,040
+العادية هو الأصل
+
+13
+00:01:29,690 --> 00:01:34,330
+للإيجارة المنتهية بالتمليك أو هي المعاملة الأم
+
+14
+00:01:34,330 --> 00:01:41,630
+التي تولدت عنها معاملتنا هذه المعاصرة، الإيجارة
+
+15
+00:01:41,630 --> 00:01:48,830
+المنتهية بالتمليك والتي بدأنا نرى بعض المؤسسات
+
+16
+00:01:48,830 --> 00:01:55,630
+المالية كالبنوك الإسلامية تتعامل بها، ووجدنا عليها
+
+17
+00:01:55,630 --> 00:02:01,700
+كذلك إقبالًا في مختلف أرجاء وطننا الإسلامي والعربي
+
+18
+00:02:01,700 --> 00:02:07,660
+بعدًا عن الشبهات وبعدًا عن التعامل بالربا والمحرمات
+
+19
+00:02:07,660 --> 00:02:13,080
+اليوم
+
+20
+00:02:13,080 --> 00:02:18,520
+نبدأ الحديث عن هذه المعاملة التي، كما قلت، هي وليدة
+
+21
+00:02:18,520 --> 00:02:28,680
+الإجارة، ولكنها تختلف شيئًا ما أو في أشياء معينة عن
+
+22
+00:02:28,680 --> 00:02:34,620
+الإيجارة، مما اقتضى الأمر أن ينظر فيها فقهاء العصر
+
+23
+00:02:34,620 --> 00:02:40,220
+ويبينوا حكمها وموقف
+
+24
+00:02:40,220 --> 00:02:41,700
+الشريعة الإسلامية منها
+
+25
+00:02:45,340 --> 00:02:49,620
+الإجارة المنتهية بالتمليك، أيها الإخوة الكرام، يعني
+
+26
+00:02:49,620 --> 00:02:56,740
+دعنا نقول، كثرة التعريفات الواردة عليها، منها
+
+27
+00:02:56,740 --> 00:03:03,760
+تعريفات جاءت مختصرة، ومنها تعريفات فيها نوع تفصيل
+
+28
+00:03:03,760 --> 00:03:09,590
+لطبيعتها أكثر فأكثر، وأنا أستطيع أن أقول أن  أخصر
+
+29
+00:03:09,590 --> 00:03:13,610
+التعريفات المتعلقة
+
+30
+00:03:13,610 --> 00:03:19,650
+بالإيجارة المنتهية بالتمليك هي الإيجارة المنتهية
+
+31
+00:03:19,650 --> 00:03:25,850
+بالتمليك، أقصر تعريف للإيجارة لهذه المعاملة المسماة
+
+32
+00:03:25,850 --> 00:03:30,670
+بالإيجارة المنتهية بالتمليك هو اسمها، هو عنوانها
+
+33
+00:03:30,670 --> 00:03:36,590
+ذاتها، يعتبره أو يمكن أن نعتبره تعريفًا مختصرًا لأنه
+
+34
+00:03:36,590 --> 00:03:42,920
+يعطي حقيقة ودلالة ولو كانت مجملة عن هذه المعاملة
+
+35
+00:03:42,920 --> 00:03:49,820
+إجارة تنتهي بالتمليك، فيها طبعًا دلالات أن معاملة
+
+36
+00:03:49,820 --> 00:03:55,060
+إجارة ستنتهي بشكل من الأشكال بتمليك هذه العين إلى
+
+37
+00:03:55,060 --> 00:04:01,100
+صاحبها أو إلى المستأجر، فهي إجارة منتهية بالتمليك
+
+38
+00:04:02,950 --> 00:04:11,970
+لكن هناك تعريفات أكثر إفادة، أكثر تفصيلًا، قالوا
+
+39
+00:04:11,970 --> 00:04:14,850
+أيضًا في التعريفات المختصرة أو من التعريفات
+
+40
+00:04:14,850 --> 00:04:23,070
+المختصرة أنها عبارة عن تمليك للعين المستأجرة، تمليك
+
+41
+00:04:23,070 --> 00:04:30,490
+للعين المستأجرة للمستأجر طبعًا بعد انتهائه من دفع
+
+42
+00:04:30,490 --> 00:04:38,890
+الأقساط المتفق عليها، تمليك العين المستأجرة بعد
+
+43
+00:04:38,890 --> 00:04:45,070
+الانتهاء من دفع الأقساط المتفق عليها، هذا أيضًا
+
+44
+00:04:45,070 --> 00:04:52,010
+تعريف يعني أكثر استفصالا، أكثر وضوحًا، لكن التعريف
+
+45
+00:04:52,010 --> 00:04:58,500
+الأوسع من هذا وذاك الموجود لدينا أو غيره يعني
+
+46
+00:04:58,500 --> 00:05:02,040
+التعريف الموجود بين أيدينا في الكتاب هو من
+
+47
+00:05:02,040 --> 00:05:02,660
+التعريفات
+
+48
+00:05:06,400 --> 00:05:18,040
+المفصلة، ويمكن أن نقول بناء عليه أنها، أي الإجارة
+
+49
+00:05:18,040 --> 00:05:24,260
+المنتهية بالتمليك، أنها عقد، يعني سأرجو أن أقول الحديث
+
+50
+00:05:24,260 --> 00:05:27,980
+أو سأرجو أن أقول الكلام عن التعريف الموجود بين أيدينا
+
+51
+00:05:27,980 --> 00:05:33,160
+في الكتاب، وآتي بتعريف مشابه لأنه قد يكون فيه بعض
+
+52
+00:05:33,160 --> 00:05:38,270
+الإضافات، الإيجارة المنتهية بالتمليك في تعريفنا
+
+53
+00:05:38,270 --> 00:05:44,210
+المفصل هي عبارة عن عقد بين طرفين، طبعًا، اللي في
+
+54
+00:05:44,210 --> 00:05:48,810
+الكتاب عندنا هي عبارة عن قيام المصرف الإسلامي بكذا
+
+55
+00:05:48,810 --> 00:05:56,810
+وكذا، لكن حتى يكون التعريف أكثر دقة وأكثر شمولية، لو
+
+56
+00:05:56,810 --> 00:06:00,450
+قلنا عقد بين طرفين أحسن، لأنه ليس الأمر مقصورًا يا
+
+57
+00:06:00,450 --> 00:06:06,280
+إخوة على هذه المعاملة على البنك، فقد تقوم بذلك
+
+58
+00:06:06,280 --> 00:06:11,180
+جهات مالية أخرى غير البنك، أي مؤسسات، أي تاجر، أي
+
+59
+00:06:11,180 --> 00:06:16,640
+جهة مالية ممكن تقوم مقام البنك في هذه المعاملة،
+
+60
+00:06:16,640 --> 00:06:24,260
+على كل الأحوال، عقد بين طرفين، ما طبيعة هذا العقد؟
+
+61
+00:06:24,260 --> 00:06:27,820
+عقد بين طرفين يؤجر فيه.. إذا لاحظوا الكلام في
+
+62
+00:06:27,820 --> 00:06:32,220
+البداية، عقد إجارة عادي، يؤجر فيه أحدهم، أحد الطرفين
+
+63
+00:06:32,220 --> 00:06:36,900
+الذي هو المؤجر، هو عقد بين طرفين، أحدهم مؤجر والثاني
+
+64
+00:06:36,900 --> 00:06:43,480
+مستأجر، يؤجر فيه أحدهم أحد الطرفين عينًا
+
+65
+00:06:44,690 --> 00:06:50,750
+عينًا، يعني لما نقول الشقة عين، السيارة عين، عينًا أو
+
+66
+00:06:50,750 --> 00:06:55,750
+سلعة يا سيدي، ممكن سلعة، يعني زي ماكينة، آلة،
+
+67
+00:06:55,750 --> 00:07:01,810
+Tractor، سيارة، سلعة تعتبر يعني، إذًا يؤجر فيه أحد
+
+68
+00:07:01,810 --> 00:07:08,530
+الطرفين عينًا أو سلعة مقابل أجرة معينة، حتى الآن
+
+69
+00:07:08,530 --> 00:07:14,310
+الكلام بالتمام، عقد أجرة عادية، عقد إجارة، هذه هي
+
+70
+00:07:14,310 --> 00:07:18,170
+طبيعته، عقد الإجارة الذي تحدثنا فيه المرة الماضية
+
+71
+00:07:18,170 --> 00:07:25,150
+بالتفصيل، عقد بين الطرفين يؤجر فيه أحدهم لآخر عينًا
+
+72
+00:07:25,150 --> 00:07:31,090
+أو سلعة مقابل أجرة معينة يدفعها المستأجر على
+
+73
+00:07:31,090 --> 00:07:36,630
+أقساط خلال مدة معينة، كل هذا الكلام حتى الآن عقد
+
+74
+00:07:36,630 --> 00:07:41,410
+إيجار عادي، ولا لا؟ الآن بدأ التغيير أو بدأ الإضافة
+
+75
+00:07:41,410 --> 00:07:45,350
+المتعلقة بالإيجار المنتهي بالتمليك، هذا العقد الذي
+
+76
+00:07:45,350 --> 00:07:51,230
+يقتضي تأجير عين أو سلعة ويتم فيه دفع أجرة مقصودة
+
+77
+00:07:51,230 --> 00:07:58,010
+لمدة معينة، تنتقل الآن، تنتقل بعدها الملكية بعد
+
+78
+00:07:58,010 --> 00:08:07,370
+انتهاء هذه المدة وتميم تسديد الدفعات أو الأقساط
+
+79
+00:08:07,370 --> 00:08:14,570
+تنتقل بعدها الملكية للمستأجر عند سداده لآخر
+
+80
+00:08:14,570 --> 00:08:21,290
+قسط، بعقد جديد، كيف تنتقل؟ بعقد جديد، عقد بيع، عقد
+
+81
+00:08:21,290 --> 00:08:26,130
+هبة، عقد... بأي صورة من صور التمليك، عقود التمليك
+
+82
+00:08:26,130 --> 00:08:33,280
+كثيرة، بالبيع، بالهبة، وغير ذلك، ويلاحظ يا إخوة في
+
+83
+00:08:33,280 --> 00:08:38,760
+هذا التعريف، يعني ردة أمور، يعني.. يعني أولًا أن
+
+84
+00:08:38,760 --> 00:08:44,080
+أساس هذا العقد، عقد الإجارة بالتمليك هو عقده إجارة
+
+85
+00:08:44,080 --> 00:08:52,240
+عادية، لكنه يتضمن عقد تمليك أيضًا، ولكن عقد التمليك
+
+86
+00:08:52,240 --> 00:08:57,400
+لا يظهر على السطح ولا
+
+87
+00:08:57,400 --> 00:09:07,020
+يتم تنفيذه إلا بعد الانتهاء من دفع كل الأقساط من
+
+88
+00:09:07,020 --> 00:09:12,040
+قبل المستأجر، ليصبح بعد ذلك مالكًا، وسنلاحظ أن ثم
+
+89
+00:09:12,040 --> 00:09:17,940
+تُعقد، يعني أكثر من عقد، أكثر من خطوة، أكثر من.. إذا
+
+90
+00:09:17,940 --> 00:09:25,060
+هذه هي حقيقة أو تعريف الإيجارة المنتهية بالتمليك
+
+91
+00:09:25,060 --> 00:09:29,080
+والآن يمكن أن نرى أو ننظر إلى التعريف الذي بين
+
+92
+00:09:29,080 --> 00:09:34,240
+أيدينا في الكتاب، وسنجده يعني.. يعني لا يختلف كثيرًا
+
+93
+00:09:34,240 --> 00:09:39,560
+وإن فقط في بعض العبارات، يعني اللي هو إيه؟ عبارة عن
+
+94
+00:09:39,560 --> 00:09:44,660
+قيام المصرف الإسلامي، لحظة يا إخوة، هنا إحنا مش قصدنا
+
+95
+00:09:44,660 --> 00:09:48,100
+نخطئ التعريفات، لكن هو عندما قال قيام المصرف
+
+96
+00:09:48,100 --> 00:09:54,490
+الإسلامي، يعني هو حصرها بالفعل، لكن هو إنما أحيانًا
+
+97
+00:09:54,490 --> 00:10:00,330
+يُذكر هذا باعتبار الأغلب، يعني كأنه يريد أن
+
+98
+00:10:00,330 --> 00:10:05,270
+يقول هذه المعاملة في الغالب تقوم بها البنوك
+
+99
+00:10:05,270 --> 00:10:08,790
+الإسلامية، وليس معناه في الظاهر أنه حصرها، لكن
+
+100
+00:10:08,790 --> 00:10:16,060
+المدقق يعني يفهم أن ذكر المصرف هو على سبيل الغالب
+
+101
+00:10:16,060 --> 00:10:21,700
+وليس على سبيل الحصر، لكن إحنا دفعًا لهذه الاشتباهات
+
+102
+00:10:21,700 --> 00:10:28,720
+قلنا عقد بين طرفين، بلاش واحد يتوهم أو يفهم أو
+
+103
+00:10:28,720 --> 00:10:35,800
+يظن أن هذا الأمر مقصور على المصرف الإسلامي، ولذلك
+
+104
+00:10:35,800 --> 00:10:41,920
+إحنا نتفهم ذكره لهذا، وإن كنا نود أن نقول الأولى أو
+
+105
+00:10:41,920 --> 00:10:45,800
+الأفضل لو التعريف الأولاني، إذا هو قيام المصرف
+
+106
+00:10:45,800 --> 00:10:52,060
+الإسلامي بتأجير عين إلى شخص مدة معينة، نفس
+
+107
+00:10:52,060 --> 00:10:56,220
+الكلام الأولاني بأقساط، هنا في إضافة جميلة في
+
+108
+00:10:56,220 --> 00:11:03,940
+التعريف اللي بين إيدينا، وهي طبيعة هذه الأقساط، الكم
+
+109
+00:11:04,990 --> 00:11:13,130
+بأقساط تزيد عن أجرة المثل، أو دعني أقول قد تزيد، ليس
+
+110
+00:11:13,130 --> 00:11:21,810
+بالضرورة، يمكن أن تزيد عن أجرة المثل، لأن في الإجارة
+
+111
+00:11:21,810 --> 00:11:26,750
+المنتهية بالتمليك يمكن أن تكون الأجرة مثل الأجرة
+
+112
+00:11:26,750 --> 00:11:27,330
+العادية،
+
+113
+00:11:29,800 --> 00:11:37,380
+ولكن في الغالب تزيد، تكون أكثر، وكل ما كانت أكثر كل
+
+114
+00:11:37,380 --> 00:11:44,620
+ما كانت مدة أجل
+
+115
+00:11:44,620 --> 00:11:49,220
+التمليك أقل، لأن الأقساط أكثر، معناتها المدة أقل،
+
+116
+00:11:49,220 --> 00:11:55,460
+معناتها التمليك أسرع، إذًا هذه إشارة وسنراها من ضمن
+
+117
+00:11:55,460 --> 00:12:01,250
+الفروقات ربما، إذًا بأقساط تزيد، لكن ليس بضرورة أن
+
+118
+00:12:01,250 --> 00:12:06,130
+تزيد، أنا بس عاوز أوصل الفكرة لهذه، قد تزيد، يمكن
+
+119
+00:12:06,130 --> 00:12:10,030
+أن تزيد، لكن في ظل فترة معينة، في عروض كثيرة
+
+120
+00:12:10,030 --> 00:12:15,050
+للشقق، في عروض كثيرة لأجهزة معينة، لآلات معينة،
+
+121
+00:12:15,050 --> 00:12:21,990
+قد تكون مدة القسط، آسف، ثمن القسط هو ذاته في
+
+122
+00:12:21,990 --> 00:12:24,310
+الإيجار المنتهية بالتمليك هو ذاته في الإيجار
+
+123
+00:12:24,310 --> 00:12:34,440
+العادية، ممكن، لكن هذا سيطيل المدة بالطبع، لكن بعد
+
+124
+00:12:34,440 --> 00:12:37,880
+ذلك، هل ستبقى الأجرة أجرة؟ إذًا بأقساط تزيد عن أجرة
+
+125
+00:12:37,880 --> 00:12:42,080
+المثل، على أن يملكه في شرط تحت الطاولة، في شرط في
+
+126
+00:12:42,080 --> 00:12:47,780
+الدرج، معطى، موجود، ومتفق عليه ابتداء وهو التمليك
+
+127
+00:12:47,780 --> 00:12:52,540
+على أن يملكه، المؤجر أو البنك يؤجر، يملك، مين؟
+
+128
+00:12:52,540 --> 00:12:59,220
+المستأجر يملك هذه العين أو هذه السلعة بعد انتهاء
+
+129
+00:12:59,220 --> 00:13:08,230
+من دفع الأقساط خلال المدة المحددة بعقد جديد، أو هذه
+
+130
+00:13:08,230 --> 00:13:13,510
+هي الإيجار المنتهية بالتمليك، ولعل هذه التعريفات
+
+131
+00:13:13,510 --> 00:13:19,330
+أعطت لنا إضاءة أو تصورًا ولو مبدئيًا عن حقيقتها،
+
+132
+00:13:19,330 --> 00:13:24,690
+وستتم، وستصبح الصورة أكثر وضوحًا من خلال بيان
+
+133
+00:13:24,690 --> 00:13:29,370
+الخطوات، وأنا أقدم الحديث عن الخطوات قبل الحديث عن
+
+134
+00:13:29,370 --> 00:13:33,470
+الفروق، وإن كان العكس عندكم، لأن الخطوات في الحديث
+
+135
+00:13:33,470 --> 00:13:40,460
+عنها تتميم للمقصود، وتتميم للحقيقة والتعريف، فنذكر
+
+136
+00:13:40,460 --> 00:13:45,580
+أولًا الخطوات، ثم ننتقل إلى الفروق بينها وبين بعض
+
+137
+00:13:45,580 --> 00:13:47,500
+العقود الأخرى
+
+138
+00:13:49,790 --> 00:13:54,030
+يمكن الخطوات مش هتكون غريبة علينا، إحنا تحدثنا
+
+139
+00:13:54,030 --> 00:13:58,850
+زمان عن الخطوات التي تتم بها المرابحة المصرفية
+
+140
+00:13:58,850 --> 00:14:03,710
+ويعني، في بعض الخطوات الأولى لن تختلف، بمعنى آخر
+
+141
+00:14:03,710 --> 00:14:07,130
+أولًا سيكون هناك الخطوة الأولى، تقديم الطلب من
+
+142
+00:14:07,130 --> 00:14:14,330
+الزبون، والإبداء عن رغبته في التعاقد على هذه
+
+143
+00:14:14,330 --> 00:14:21,200
+المعاملة، لكن طبيعي أن ليس كل من قدم طلبًا بالضرورة
+
+144
+00:14:21,200 --> 00:14:27,060
+أن يجد ردًا إيجابيًا، ولذلك تأتي الخطوة الثانية وهي
+
+145
+00:14:27,060 --> 00:14:34,600
+الدراسة، دراسة الطلب من حيث جوانب متعددة، من حيث
+
+146
+00:14:34,600 --> 00:14:39,460
+إمكانية التوفير لهذه العين من قبل البنك، ولا لأ، من حيث
+
+147
+00:14:39,460 --> 00:14:46,460
+نظر في إمكانية قدرة مقدم الطلب على الوفاء
+
+148
+00:14:47,910 --> 00:14:55,990
+بالأقساط، ومن حيث وجود الكفلاء وإلى غير ذلك، هذه
+
+149
+00:14:55,990 --> 00:15:00,250
+إجراءات تقوم بها البنك، بعض البنوك ممكن تطلب
+
+150
+00:15:00,250 --> 00:15:03,890
+كفلاء، بعض البنوك بحسب راتبك، بعض البنوك، هذه
+
+151
+00:15:03,890 --> 00:15:07,710
+إجراءات تختلف من بنك إلى بنك، ليس غريبًا أن نجد أن
+
+152
+00:15:07,710 --> 00:15:11,510
+هناك كفلاء، أو يشترط إجارة بدون طلب كفلاء، عن
+
+153
+00:15:11,510 --> 00:15:15,510
+الأجر.. الأجر ضمان، إن أنا ما جيبك فيه؟ والله يعني
+
+154
+00:15:16,800 --> 00:15:22,500
+صحيح، صحيح، لكن قد نرى أحيانًا مزيدًا من الحيطة، لكن هو
+
+155
+00:15:22,500 --> 00:15:26,620
+الأصل هنا عدم الكفالة، صحيح، لكن ربما بعض.. لأنها
+
+156
+00:15:26,620 --> 00:15:31,640
+أمرًا تنتهي في النهاية بالتمليك، و.. يعني أحيانًا في
+
+157
+00:15:31,640 --> 00:15:37,500
+الكفلاء ليس بالضرورة لدفع الأقساط، الكفلاء قد تتسبب
+
+158
+00:15:37,500 --> 00:15:44,360
+أثناء مدة الاستعمال بتخريب، إتلاف للعين المستأجرة
+
+159
+00:15:44,360 --> 00:15:50,400
+ثم بعد ذلك يتوقف عن دفع بعد سنة، سنتين، بتخربها ثم
+
+160
+00:15:50,400 --> 00:15:54,240
+يتوقف عن دفع الأقساط، كأنك مستأجر، وتنتهي
+
+161
+00:15:54,240 --> 00:15:58,560
+الإشكالية، وأنت بتكون سببت خسارة للبنك، قد يكون هناك
+
+162
+00:15:58,560 --> 00:16:03,560
+بعض الحالات يعني يلزم كفلاء، يعني ليس بالضرورة أنه
+
+163
+00:16:03,560 --> 00:16:11,370
+مجرد أنه حافظ العين بتاعته، اسمه أنه يضمن حقه، في ناس
+
+164
+00:16:11,370 --> 00:16:19,610
+يتفننون في إتلاف الأشياء وفي تضييع الحقوق، على كل
+
+165
+00:16:19,610 --> 00:16:25,990
+الأحوال، إذًا تقديم الطلب، دراسة الطلب قبل الموافقة
+
+166
+00:16:25,990 --> 00:16:32,250
+عليه، ثم إذا تمت الموافقة، في هذه الحالة ماذا يحدث؟
+
+167
+00:16:32,250 --> 00:16:39,010
+يتم بعد الموافقة، يتم شراء العين المراد استئجارها
+
+168
+00:16:39,010 --> 00:16:44,470
+أنت طلبت شقة، طلبت سيارة، طلبت قطعة أرض لاستئجار
+
+169
+00:16:44,470 --> 00:16:49,750
+للزراعة، بعد يعني تقديمك للطلب ودراسة الطلب، يذهب
+
+170
+00:16:49,750 --> 00:16:54,990
+البنك، وهذا فيه إشارة إلى أن العين المستأجرة
+
+171
+00:16:54,990 --> 00:16:59,890
+والمراد تمليكها بعد ذلك لم تكن موجودة ابتداء، زي
+
+172
+00:16:59,890 --> 00:17:03,910
+بالضبط المرابحة، كما في المرابحة، لم تكن موجودة
+
+223
+00:22:15,850 --> 00:22:20,870
+بالتمليك في الظاهر إجارة لكنها لما كانت في الحقيقة
+
+224
+00:22:20,870 --> 00:22:27,970
+بيع تقصيد بدأنا أولا بالفرق بينها وبين بيع التقسيط
+
+225
+00:22:28,900 --> 00:22:39,360
+ونبدأ بمواطن الاتفاق، ما وجه الاتفاق بين الإيجارة
+
+226
+00:22:39,360 --> 00:22:47,390
+المنتهية بالتمليك وبيع التقسيط؟ ما وجه الاتفاق؟ أو
+
+227
+00:22:47,390 --> 00:22:51,590
+وجوه الاتفاق؟ هل من اتفاق ابتداء؟ نعم، نقول نعم، في
+
+228
+00:22:51,590 --> 00:22:56,870
+اتفاقات، في وجوه اتفاق،  ليست مضروبة في كل شيء، لكن
+
+229
+00:22:56,870 --> 00:23:00,610
+في بنود متفق عليها، نعم، ما هي؟ نعم
+
+230
+00:23:07,700 --> 00:23:13,660
+بس، يعني تشبه عقد التمليك، تشبه عقد بيع التقسيط
+
+231
+00:23:13,660 --> 00:23:17,840
+من حيث المقصود والنتيجة،  إيش المقصود
+
+232
+00:23:17,840 --> 00:23:22,760
+والنتيجة؟ هي اللي .. هي اللي .. الشاهد، هي
+
+233
+00:23:22,760 --> 00:23:25,200
+المنطقة المتفق عليها
+
+234
+00:23:28,090 --> 00:23:32,830
+بالضبط، يعني .. نعم، يعني في بيع .. سواء في
+
+235
+00:23:32,830 --> 00:23:36,570
+الإجارة المنتهية بالتمليك أو في بيع التقسيط،
+
+236
+00:23:36,570 --> 00:23:39,170
+لا أريد أن أقول في النهاية، لأنه بتختلف، هذا موضوع
+
+237
+00:23:39,170 --> 00:23:44,110
+اختلاف، في بيع التقسيط وفي الإجارة المنتهية
+
+238
+00:23:44,110 --> 00:23:50,230
+بالتمليك، كل منهما المقصود منه التمليك بغض النظر عن
+
+239
+00:23:50,230 --> 00:23:55,650
+زمنه، بغض النظر عن زمنه وطريقة و متى، لكن في
+
+240
+00:23:55,650 --> 00:24:00,990
+الإجارة المنتهية بالتمليك، يعني زي ما قلنا يمكن أن
+
+241
+00:24:00,990 --> 00:24:07,060
+مجرد الإجارة هي ثوب يلبسه بيع التقسيط في الظاهر
+
+242
+00:24:07,060 --> 00:24:13,600
+إجارة وفي الحقيقة بيع تقسيط، من حيث الجوهر الإجارة
+
+243
+00:24:13,600 --> 00:24:17,800
+المنتهية بالتمليك من حيث الجوهر، من حيث المقصود، من
+
+244
+00:24:17,800 --> 00:24:21,820
+حيث النتيجة بيع التقسيط، ومن هنا يأتي وجه الشبه
+
+245
+00:24:21,820 --> 00:24:26,070
+وهذا واضح، يعني في طريقة التعاقد اللي احنا شفناها
+
+246
+00:24:26,070 --> 00:24:29,450
+في حقيقة الإيجارة المنتهية بالتمليك، يعني أنّه يتم
+
+247
+00:24:29,450 --> 00:24:34,710
+التعاقد على أن تكون النتيجة هي تمليكه، ولكن هذا
+
+248
+00:24:34,710 --> 00:24:39,710
+التمليك المتأخر يتأخر إلى آخر دفعة، لكن في بيع
+
+249
+00:24:39,710 --> 00:24:45,230
+التقسيط التمليك ما بتأخر، وهذا وجه اختلاف، خلي بالكم
+
+250
+00:24:45,230 --> 00:24:49,670
+في بيع التقسيط أنت من أول دفعة،  مش من أول دفعة حتى
+
+251
+00:24:49,670 --> 00:24:56,940
+بمجرد توقيع العقد تملك السلعة، ولك الحق الكامل في
+
+252
+00:24:56,940 --> 00:25:01,280
+التصرف فيها كيف تشاء، بيعا وشراء وهبة و .. و .. و
+
+253
+00:25:01,280 --> 00:25:07,560
+.. بخلاف الحال في الإيجار المنتهي بالتمليك، لأنك في
+
+254
+00:25:07,560 --> 00:25:15,390
+الإيجار المنتهي بالتمليك مستأجر إلى أن تتمّ دفع
+
+255
+00:25:15,390 --> 00:25:18,870
+الأقساط كلها، إذا إحنا لاحظنا الآن من خلال هذا
+
+256
+00:25:18,870 --> 00:25:22,010
+الحديث، وجه اتفاق ووجه اختلاف، في آخر واحد من خلال
+
+257
+00:25:22,010 --> 00:25:26,130
+نقطة واحدة، وجه الاتفاق في المقصود والجوهر والنتيجة،
+
+258
+00:25:26,130 --> 00:25:32,310
+وجه الاختلاف من حيث المدة
+
+259
+00:25:32,310 --> 00:25:37,470
+التي يتم فيها أو الطريقة التي يتم فيها التمليك، هذا
+
+260
+00:25:37,470 --> 00:25:44,540
+وجه اختلاف، وإن لم يكن مذكورًا، يعني لدينا، إذا هذا ..
+
+261
+00:25:44,540 --> 00:25:49,200
+هل .. طيب .. هل من فروق أخرى؟ اتفاقًا أو اختلافًا؟
+
+262
+00:25:49,200 --> 00:25:53,560
+اتفاقًا أو اختلافًا بين بيع التقسيط أو بين الإيجار
+
+263
+00:25:53,560 --> 00:25:58,180
+المنتهي بالتمليك وبيع التقسيط؟ آه .. هل من وجوه
+
+264
+00:25:58,180 --> 00:26:03,680
+أخرى؟ يعني
+
+265
+00:26:03,680 --> 00:26:07,790
+إحنا .. نعم، وجه اختلاف من الإجارة المنتهية
+
+266
+00:26:07,790 --> 00:26:10,950
+بالتمليك والتقسيط، بيكون الإيجارة المنتهية بالتمليك
+
+267
+00:26:10,950 --> 00:26:15,530
+تحتوي على عقد إجارة بذاته، ومدة وعقد تمليك إلا
+
+268
+00:26:15,530 --> 00:26:20,450
+رفع القضية الأخيرة، يعني احنا من خلال حديثنا قبل
+
+269
+00:26:20,450 --> 00:26:25,850
+القليل هذا، أشعرنا أنّه من وجه الاختلاف أن عقد بيع
+
+270
+00:26:25,850 --> 00:26:33,070
+التقسيط يتم التمليك فورًا، عقد الإجارة المنتهية
+
+271
+00:26:33,070 --> 00:26:39,010
+بالتمليك يتم التمليك مؤجلًا، لكن هذه نقطة، يعني نقطة
+
+272
+00:26:39,010 --> 00:26:46,450
+أخرى، دعنا نسميها فرقًا شكليًا أو إجرائيًا، وهو أن عقد
+
+273
+00:26:46,450 --> 00:26:52,190
+التقسيط، عقد البيع بالتقسيط يتم يعني بعقد واحد، عقد
+
+274
+00:26:52,190 --> 00:26:56,570
+واحد تتم به، لكن عقد البيع، العقد الإيجار المنتهي
+
+275
+00:26:56,570 --> 00:27:02,390
+بالتمليك تتم وفق مراحل، وأكثر من عقد، عقد شراء
+
+276
+00:27:02,390 --> 00:27:08,130
+أولًا، يعني من قبل الـ الـ الـ البنك للسلعة، ثم
+
+277
+00:27:08,130 --> 00:27:13,750
+عقد إجارة عادية مبطنة
+
+278
+00:27:13,750 --> 00:27:21,590
+أو مضمنة للتمليك، ثم وعد بالتمليك، ثم عقد التمليك
+
+279
+00:27:21,590 --> 00:27:25,210
+اللي هو في النهاية، يعني أكثر حتى من عقدين أو أكثر
+
+280
+00:27:25,210 --> 00:27:28,170
+و شروط متضمنة لها، نعم
+
+281
+00:27:33,430 --> 00:27:39,770
+نعم، هذا أيضًا فرق جوهري، الآن في وسط، بعد أربع
+
+282
+00:27:39,770 --> 00:27:42,650
+سنين، خمس سنين، الإيجار المنتهي بالتمليك، فرضه من
+
+283
+00:27:42,650 --> 00:27:47,810
+العقد، هذا مستمر لعشر سنوات، بعد أربع، خمس سنين،
+
+284
+00:27:47,810 --> 00:27:54,210
+يعني لم يلتزم أحد الطرفين بالعقد،
+
+285
+00:27:54,210 --> 00:28:00,110
+لم يلتزم المستأجر مثلًا بدفع الأقساط، مش بده يلتزم،
+
+286
+00:28:00,110 --> 00:28:03,970
+ماذا نطبق عليه؟ نطبق عليه أحكام الإيجارة، بمعنى
+
+287
+00:28:03,970 --> 00:28:09,550
+أنه مع السلامة، الأقساط اللي دفعتها ليست جزءًا من
+
+288
+00:28:09,550 --> 00:28:13,310
+الثمن، ما تقول لي نص الشقة ولا نص الأرض ولا نص
+
+289
+00:28:13,310 --> 00:28:19,550
+الدفعة، لأ، هذه بدل انتفاع، أحكام الإيجارة مع
+
+290
+00:28:19,550 --> 00:28:24,510
+السلامة، إلا إذا تَنَبَّهْنا لتوافقات أخرى، مالِش حرية، لكن
+
+291
+00:28:24,510 --> 00:28:34,350
+لو بده يعني البنك في هذه الحالة، لو
+
+292
+00:28:34,350 --> 00:28:43,680
+أراد أن يقف موقفًا حاسمًا، مثلًا، له الحق في أن لا يرد
+
+293
+00:28:43,680 --> 00:28:49,720
+له شيئًا، لكن اللي بيصير يا إخوة، حقيقة، خاصة إذا كانت
+
+294
+00:28:49,720 --> 00:28:54,840
+الأقساط أكثر من الأجرة الشهرية، قد يتم صفقات معينة،
+
+295
+00:28:54,840 --> 00:28:58,560
+أنا بعد خمس سنين ما قدرت، ممكن أعمل صفقة مع البنك
+
+296
+00:28:58,560 --> 00:29:02,340
+بعد هيك يا جماعة، أنا مش قادر، وما لي رغبة في ذلك، و
+
+297
+00:29:02,340 --> 00:29:04,620
+البنك بعد هيك يقدر
+
+298
+00:29:08,770 --> 00:29:14,670
+ممكن يكون في هذه الحالة يرد له جزء من المبالغ، لكن
+
+299
+00:29:14,670 --> 00:29:22,530
+هذا ليس إلزامًا وليس قطعًا، وإنما توافقًا واتفاقًا، في
+
+300
+00:29:22,530 --> 00:29:28,330
+الظاهر في القضاء أنه في حالة الإخلال بأي من الطرفين
+
+301
+00:29:28,330 --> 00:29:37,070
+يعني يتم تطبيق إجراء أحكام الإيجارة، وليس أحكام
+
+302
+00:29:37,070 --> 00:29:42,010
+البيع، يقولوا يا عم إحنا مش إحنا شراة، أنا مش أنا
+
+303
+00:29:42,010 --> 00:29:46,610
+منتهية بالتمليك، منتهية بالتمليك، هذا عند أخر قصة،
+
+304
+00:29:46,610 --> 00:29:51,590
+لسة قدامك خمسين قصة، معناته إحنا لازلنا تحت مظلة
+
+305
+00:29:52,140 --> 00:29:57,880
+الإيجارة، وتحت أحكام الإيجارة، تطبق أحكام الإيجارة
+
+306
+00:29:57,880 --> 00:30:01,780
+إيش بتقول أحكام الإيجارة إحنا الآن؟ وهذا منصوص
+
+307
+00:30:01,780 --> 00:30:06,900
+عليه في البنود قبل ما يتم الاتفاق عليها، إذا هل من
+
+308
+00:30:06,900 --> 00:30:11,780
+شيء آخر؟ إذا بالفعل واضح إنه فيه جوانب اتفاق، طبعًا
+
+309
+00:30:11,780 --> 00:30:16,440
+ممكن أنا أضيف جوانب اختلاف، جوانب اتفاق، يعني أن هذه
+
+310
+00:30:16,440 --> 00:30:21,910
+إيجارة وهذه إيجارة، وهذا أمر شكلي يعني، برضه، الآن
+
+311
+00:30:21,910 --> 00:30:30,490
+ننتقل إلى
+
+312
+00:30:30,490 --> 00:30:35,750
+البيان، الفروق أو وجوه المقارنة بين الإيجارة
+
+313
+00:30:35,750 --> 00:30:41,130
+المنتهية بالتمليك والإيجارة العادية، خلصنا من
+
+314
+00:30:41,130 --> 00:30:45,830
+الإيجارة وبيع التقسيط، الآن ننتقل إلى الإيجارة
+
+315
+00:30:47,070 --> 00:30:51,890
+المنتهية بالتمليك والإيجار العادية، أيضًا ما هي وجوه
+
+316
+00:30:51,890 --> 00:30:55,870
+الاتفاق، وما هي وجوه الاختلاف؟ أولًا، وجوه الاتفاق هنا
+
+317
+00:30:55,870 --> 00:31:00,470
+لم يذكر، حقيقةً، يعني لكن ربما إحنا خلال حديثنا
+
+318
+00:31:00,470 --> 00:31:04,670
+نستطيع أن نتلمس، يعني مش بالضرورة أن يكون مكتوب
+
+319
+00:31:04,670 --> 00:31:10,290
+يعني هنا أنا كاتب فقط وجه الاختلاف، لكن أليس ثمة من
+
+320
+00:31:10,290 --> 00:31:14,110
+وجوه اتفاق؟ يعني، بلى، نعم
+
+321
+00:31:17,920 --> 00:31:21,640
+والإيجارة المنتهية بالتمليك؟ يعني قد يقولوا هذا،
+
+322
+00:31:21,640 --> 00:31:27,460
+ماشي الحال، جيد، سواء في الإيجارة أو في المنتهية
+
+323
+00:31:27,460 --> 00:31:30,500
+بالتمليك أو في الإيجارة العادية، يمتلكون المنفعة
+
+324
+00:31:30,500 --> 00:31:35,100
+صحيح، الاثنين، نحن نتحدث عن المتفق
+
+325
+00:31:38,710 --> 00:31:42,870
+يكون عقد إيجار عادي؟ نفس الشيء؟ يعني، ده نعبر
+
+326
+00:31:42,870 --> 00:31:48,530
+بماذا؟ نقول كل من الإيجارة والإيجارة العادية تطبق
+
+327
+00:31:48,530 --> 00:31:53,350
+عليهم أحكام الإيجارة، هناك .. هناك اختلاف ذكر
+
+328
+00:31:53,350 --> 00:31:57,330
+أخونا هناك، هناك بين بيع التقسيط وبين الـ
+
+329
+00:31:58,010 --> 00:32:02,110
+والإيجارة المنتهية بالتمليك، وجدنا أن ثمّة وجه اتفاق
+
+330
+00:32:02,110 --> 00:32:08,750
+وجه اختلاف بين التقسيط وبين الإيجارة، متمثل في تطبيق
+
+331
+00:32:08,750 --> 00:32:13,970
+أحكام الإيجارة، لكن هنا وجه اتفاق، هنا وجه اتفاق بين
+
+332
+00:32:13,970 --> 00:32:17,450
+الإيجارة العادية والإيجارة المنتهية بالتمليك من حيث
+
+333
+00:32:17,450 --> 00:32:21,670
+تطبيق أحكام الإيجارة العادية على الإيجارة المنتهية
+
+334
+00:32:21,670 --> 00:32:26,710
+بالتمليك إلى ما قبل تسديد آخر قسط، إلى ما قبل
+
+335
+00:32:26,710 --> 00:32:30,710
+تسديد آخر قسط، الأحكام الإيجارة تتطبق سواء في
+
+336
+00:32:30,710 --> 00:32:35,440
+الإيجارة العادية أو في الإيجارة المنتهية بالتمليك
+
+337
+00:32:35,440 --> 00:32:39,940
+لكن هناك في الإيجارة المنتهية بالتمليك وبيع تقسيط
+
+338
+00:32:39,940 --> 00:32:44,200
+تطبق أحكام الإيجارة المنتهية بالتمليك في الإيجارة
+
+339
+00:32:44,200 --> 00:32:46,660
+العادية، في الإيجارة المنتهية بالتمليك وفي بيع
+
+340
+00:32:46,660 --> 00:32:50,460
+تقسيط لا تطبق أحكام الإيجارة،  أحكام البيع التي تطبق هناك، إذا هناك هذه النقطة
+
+341
+00:32:50,460 --> 00:32:54,580
+نقطة وجه اتفاق واختلاف بين الإيجارة والإيجار
+
+342
+00:32:54,580 --> 00:32:58,190
+العادية، نقطة اتفاق، هل من، ليس لازم في الاتفاق يمكن أن
+
+343
+00:33:03,830 --> 00:33:06,310
+نقول ما قلته قبل قليل
+
+344
+00:33:10,710 --> 00:33:18,450
+ممكن كلا العقدين مقيد بمدة، عقد الإجارة مقيد بمدة،
+
+345
+00:33:18,450 --> 00:33:24,010
+وعقد الإجارة المنتهية مقيد بمدة، يضاف كلا العقدين
+
+346
+00:33:24,010 --> 00:33:29,010
+تدفع أقساط، في دفع أقساط، بغض النظر عن المقصود من
+
+347
+00:33:29,010 --> 00:33:34,360
+هذه الأقساط، التمليك أو الانتفاع فقط، لكن يتفقان،
+
+348
+00:33:34,360 --> 00:33:37,780
+شوفوا كده، إحنا جايين بإننا نتناقش، يعني خلال
+
+349
+00:33:37,780 --> 00:33:42,460
+العقدين تكون
+
+350
+00:33:42,460 --> 00:33:47,160
+هناك أقساط ملزمة لكل من الطرفين، بغض النظر عن
+
+351
+00:33:47,160 --> 00:33:54,500
+الغاية، كلا العقدين يعني يسمى عقد إيجارة، يعني هذا
+
+352
+00:33:54,500 --> 00:33:58,800
+إيجارة وهذا إيجارة، بغض النظر عن المقصود أيضًا، إذا
+
+353
+00:33:58,800 --> 00:34:03,780
+هذه كلها وجوه اتفاق بين الإيجارة، ما أحد يقول لي
+
+354
+00:34:03,780 --> 00:34:07,440
+والله ما شفت أنا، ما فيش وجوه اتفاق، لا يا عم،
+
+355
+00:34:07,440 --> 00:34:14,640
+إحنا عدينا بيجي أربعة خمسة، الآن، لأن هذا منكم يعني
+
+356
+00:34:14,640 --> 00:34:22,100
+هذا إبداعكم أنتم الآن، وجوه الاختلاف بين الإيجارة
+
+357
+00:34:22,100 --> 00:34:28,380
+المنتهية بالتمليك والإيجارة العادية، وجوه الاختلاف
+
+358
+00:34:28,380 --> 00:34:33,440
+أولًا، هل يوجد وجوه اختلاف؟ طبعًا، ما هي وجوه الاختلاف؟
+
+359
+00:34:33,440 --> 00:34:37,540
+آه
+
+360
+00:34:37,540 --> 00:34:38,500
+طيب
+
+361
+00:34:42,530 --> 00:34:46,510
+في الإيجار المنتهي بالتمليك هو أن تنتقل العين إلى
+
+362
+00:34:46,510 --> 00:34:49,710
+المستأجر، لكن في الإيجار العادية لا تنتقل العين
+
+363
+00:34:49,710 --> 00:34:57,290
+جميل، هذا يعني أهم فرق، في الإيجار لا تنتقل
+
+364
+00:34:57,290 --> 00:35:02,230
+أبدًا، في الإيجار العادية لا تنتقل العين إلى
+
+365
+00:35:02,230 --> 00:35:06,490
+المستأجر أو تملكه، لا يتملك، لكن في الإيجار
+
+366
+00:35:06,490 --> 00:35:10,070
+المنتهي بالتمليك يتملك، وهذا يعني فرق ظاهر، هل من
+
+367
+00:35:10,070 --> 00:35:15,150
+شيء آخر؟ الإيجار المنتهي بالتمليك، الـ muscle man
+
+368
+00:35:15,150 --> 00:35:18,750
+يكون متملك لعين مؤجر؟ أحسن؟
+
+369
+00:35:22,320 --> 00:35:28,520
+يعني من أول الاختلافات أن العين المستأجرة في
+
+370
+00:35:28,520 --> 00:35:34,060
+الإيجارة العادية دائماً تكون موجودة ومملوكة لدى
+
+371
+00:35:34,060 --> 00:35:38,660
+المؤجر، أنا في الإيجارة العادية لما بروح أدور على
+
+372
+00:35:38,660 --> 00:35:45,010
+واحد ما عنده شقة وبقول له دور لي على شقة؟ لأ، يعني إلا
+
+373
+00:35:45,010 --> 00:35:48,810
+إذا كان عبر السمسار، يدور لي على واحد عنده يعني
+
+374
+00:35:48,810 --> 00:35:52,750
+لأن السمسار ممثل لي، فأنا في الإيجار العادية بروح
+
+375
+00:35:52,750 --> 00:35:57,590
+على واحد عنده شقة، عنده محل، عنده villa، عنده أرض
+
+376
+00:35:57,590 --> 00:36:04,610
+بده يؤجرها وأتفاهم معه، لكن في الإيجار المنتهي
+
+377
+00:36:04,610 --> 00:36:10,260
+بالتمليك، أنا أذهب إلى جهة، إلى مؤسسة مالية، أنا أعلم
+
+378
+00:36:10,260 --> 00:36:18,610
+أنها لا تملك، ولا تَحْوِي، ولا تملك إيش الـ الـ الـ
+
+379
+00:36:18,610 --> 00:36:22,070
+.. الذي أريد استئجاره، لا عندها villa ولا عندها
+
+380
+00:36:22,070 --> 00:36:27,230
+حانوت ولا شقة ولا سيارات ولا غيره، وإنما أنا أطلب
+
+381
+00:36:27,230 --> 00:36:31,810
+منه، إذا الاقتناء، يعني خليني أنا شرط أو .. أو فرق
+
+382
+00:36:31,810 --> 00:36:36,890
+الاقتناء هذا، اقتناء أولي أو ابتدائي في الإيجار
+
+383
+00:36:36,890 --> 00:36:41,870
+العادية، وهذا اقتناء متأخر بعد الطلب، نعم، هناك في
+
+384
+00:36:41,870 --> 00:36:48,390
+واحد قال، الهدف من دفع الأقساط في الإيجار العادية هو
+
+385
+00:36:48,390 --> 00:36:51,390
+مش .. مش .. مش الهدف .. مش هدف التمليك، عامة في الـ
+
+386
+00:36:51,390 --> 00:36:55,110
+.. في المنتهي بالتمليك، الهدف هو التمليك، جميل،
+
+387
+00:36:55,110 --> 00:36:59,250
+واضح، واضح عليه، صحيح، يعني الهدف من دفع الأقساط
+
+388
+00:36:59,250 --> 00:37:03,130
+في الإيجار العادية، الانتفاع فقط، في الإيجار
+
+389
+00:37:03,130 --> 00:37:06,710
+المنتهي بالتمليك، لا، الهدف التمليك، أخيرًا أو قبل الآخر
+
+390
+00:37:17,380 --> 00:37:20,120
+جيد، على كل الأحوال، إذاً هذه فضل
+
+391
+00:
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/f-p89oGxqSw_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/f-p89oGxqSw_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..e98d0cf4988a8ec0a398c9f15eea384b5dea7015
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/f-p89oGxqSw_raw.json
@@ -0,0 +1 @@
+{"segments": [{"id": 1, "seek": 4604, "start": 20.7, "end": 46.04, "text": "بسم الله الرحمن الرحيم الحمد لله رب العالمين والصلاة والسلام على أشرف المرسلين محمد صلى الله عليه وسلم وعلى آله وصحبه ومن اهتدى بهده واستنى بصنته ليوم الدين وبعد نواصل حديثنا عن الإيجار المنتهى بالتمليك", "tokens": [3555, 38251, 21984, 34892, 5016, 27842, 34892, 5016, 32640, 21542, 2304, 3215, 24976, 3224, 12602, 3555, 18863, 45340, 9957, 16070, 9381, 15040, 3660, 16070, 3794, 37440, 15844, 5551, 8592, 28480, 9673, 2288, 3794, 1211, 9957, 3714, 35571, 3215, 20328, 23942, 21984, 47356, 46952, 19528, 4032, 3615, 23942, 19753, 43761, 4032, 9381, 5016, 3555, 3224, 4032, 27842, 1975, 3224, 2655, 3215, 7578, 39627, 3215, 3224, 4032, 32277, 2655, 1863, 7578, 4724, 9381, 29399, 3224, 5296, 1829, 20498, 32748, 9957, 46599, 22488, 8717, 2407, 33546, 1211, 11331, 16254, 12984, 8315, 18871, 33688, 1829, 7435, 9640, 9673, 29399, 3224, 7578, 20666, 39237, 20292, 4117], "avg_logprob": -0.10753676770072357, "compression_ratio": 2.021857923497268, "no_speech_prob": 1.1324882507324219e-06, "words": [{"start": 20.7, "end": 21.02, "word": "بسم", "probability": 0.93017578125}, {"start": 21.02, "end": 21.18, "word": " الله", "probability": 0.96142578125}, {"start": 21.18, "end": 21.54, "word": " الرحمن", "probability": 0.9640299479166666}, {"start": 21.54, "end": 22.08, "word": " الرحيم", "probability": 0.99609375}, {"start": 22.08, "end": 24.98, "word": " الحمد", "probability": 0.94482421875}, {"start": 24.98, "end": 25.32, "word": " لله", "probability": 0.939453125}, {"start": 25.32, "end": 25.56, "word": " رب", "probability": 0.98046875}, {"start": 25.56, "end": 26.08, "word": " العالمين", "probability": 0.9943033854166666}, {"start": 26.08, "end": 26.52, "word": " والصلاة", "probability": 0.869384765625}, {"start": 26.52, "end": 26.96, "word": " والسلام", "probability": 0.9617513020833334}, {"start": 26.96, "end": 27.16, "word": " على", "probability": 0.80126953125}, {"start": 27.16, "end": 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تحدثنا عن الإيجارة عموما الإيجارة العادية التي عرفها فقهاؤنا قديما وعرفتها البشرية في كل زمان وفي كل مكان تعرفنا على حقيقة الإيجارة وعلى أدلة مشروعيتها", "tokens": [4117, 8315, 8978, 9673, 5016, 46958, 25720, 21136, 16758, 28671, 12174, 3215, 6055, 24401, 12984, 8315, 18871, 33688, 1829, 7435, 9640, 3660, 6225, 2304, 2407, 15042, 33688, 1829, 7435, 9640, 3660, 18863, 18513, 10632, 38392, 6225, 28480, 11296, 6156, 4587, 3224, 5718, 97, 8315, 12174, 16254, 15042, 4032, 3615, 28480, 2655, 11296, 29739, 46309, 10632, 8978, 28242, 30767, 2304, 7649, 4032, 41185, 28242, 3714, 41361, 37279, 28480, 8315, 15844, 11331, 38436, 28671, 33688, 1829, 7435, 9640, 3660, 4032, 3615, 23942, 5551, 3215, 37977, 37893, 32887, 3615, 36081, 11296], "avg_logprob": -0.055521418539325844, "compression_ratio": 1.9464285714285714, "no_speech_prob": 2.384185791015625e-07, "words": [{"start": 47.23, "end": 47.65, "word": "كنا", "probability": 0.722900390625}, {"start": 47.65, "end": 47.91, "word": " في", 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التي", "probability": 0.9208984375}, {"start": 95.35, "end": 96.61, "word": " تولدت", "probability": 0.864013671875}, {"start": 96.61, "end": 97.27, "word": " عنها", "probability": 0.992431640625}, {"start": 97.27, "end": 99.29, "word": " معاملتنا", "probability": 0.965625}, {"start": 99.29, "end": 99.81, "word": " هذه", "probability": 0.974609375}, {"start": 99.81, "end": 100.73, "word": " المعاصرة", "probability": 0.9788818359375}, {"start": 100.73, "end": 101.63, "word": " الإيجارة", "probability": 0.95390625}, {"start": 101.63, "end": 102.97, "word": " المنتهية", "probability": 0.9915771484375}, {"start": 102.97, "end": 104.23, "word": " بالتمليك", "probability": 0.993896484375}, {"start": 104.23, "end": 105.03, "word": " والتي", "probability": 0.85009765625}, {"start": 105.03, "end": 106.55, "word": " بدأنا", "probability": 0.9890950520833334}, {"start": 106.55, "end": 107.37, "word": " نرى", "probability": 0.9147135416666666}, {"start": 107.37, "end": 108.03, "word": " بعض", "probability": 0.962890625}, {"start": 108.03, "end": 108.83, "word": " المؤسسات", "probability": 0.99619140625}, {"start": 108.83, "end": 109.45, "word": " المالية", "probability": 0.9952799479166666}, {"start": 109.45, "end": 110.17, "word": " كالبنوك", "probability": 0.9117024739583334}, {"start": 110.17, "end": 111.07, "word": " الإسلامية", "probability": 0.9808349609375}, {"start": 111.07, "end": 113.53, "word": " تتعامل", "probability": 0.99169921875}, {"start": 113.53, "end": 114.21, "word": " بها", "probability": 0.951416015625}, {"start": 114.21, "end": 115.13, "word": " وجدنا", "probability": 0.9132486979166666}, {"start": 115.13, "end": 115.63, "word": " عليها", "probability": 0.9931640625}, {"start": 115.63, "end": 116.09, "word": " كذلك", "probability": 0.97216796875}, {"start": 116.09, "end": 116.73, "word": " إقبالا", "probability": 0.941796875}], "temperature": 1.0}, {"id": 5, "seek": 14524, "start": 116.86, "end": 145.24, "text": "في مختلف أرجاء وطننا الإسلامي والعربي بعضا عن الشبهات وبعدا عن التعامل بالربا والمحرمات اليوم نبدأ الحديث عن هذه المعاملة التي كما قلت هي وليدة الإجارة ولكنها تختلف شيئا ما", "tokens": [41185, 3714, 46456, 46538, 5551, 47341, 16606, 4032, 9566, 1863, 8315, 33688, 3794, 37440, 1829, 16070, 3615, 2288, 21292, 45030, 11242, 995, 18871, 25124, 3555, 3224, 9307, 46599, 22488, 995, 18871, 16712, 3615, 10943, 1211, 20666, 25513, 995, 16070, 2304, 5016, 2288, 2304, 9307, 45595, 20498, 8717, 44510, 10721, 21542, 16254, 12984, 18871, 29538, 9673, 3615, 10943, 37977, 38392, 9122, 15042, 12174, 1211, 2655, 39896, 4032, 20292, 41891, 33688, 7435, 9640, 3660, 35525, 19452, 11296, 6055, 46456, 46538, 44049, 19986, 995, 19446], "avg_logprob": -0.10222138374684805, "compression_ratio": 1.8, "no_speech_prob": 2.980232238769531e-07, "words": [{"start": 116.86, "end": 117.32, "word": "في", "probability": 0.93115234375}, {"start": 117.32, "end": 117.92, "word": " مختلف", "probability": 0.99267578125}, {"start": 117.92, "end": 118.64, "word": " 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"word": " اليوم", "probability": 0.97119140625}, {"start": 133.08, "end": 133.6, "word": " نبدأ", "probability": 0.9720052083333334}, {"start": 133.6, "end": 134.26, "word": " الحديث", "probability": 0.99462890625}, {"start": 134.26, "end": 134.6, "word": " عن", "probability": 0.99072265625}, {"start": 134.6, "end": 135.24, "word": " هذه", "probability": 0.98828125}, {"start": 135.24, "end": 136.0, "word": " المعاملة", "probability": 0.994873046875}, {"start": 136.0, "end": 136.82, "word": " التي", "probability": 0.8251953125}, {"start": 136.82, "end": 137.3, "word": " كما", "probability": 0.96240234375}, {"start": 137.3, "end": 137.74, "word": " قلت", "probability": 0.9822591145833334}, {"start": 137.74, "end": 137.96, "word": " هي", "probability": 0.88720703125}, {"start": 137.96, "end": 138.52, "word": " وليدة", "probability": 0.8116861979166666}, {"start": 138.52, "end": 140.1, "word": " الإجارة", "probability": 0.8973388671875}, {"start": 140.1, "end": 141.22, "word": " ولكنها", 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"word": " فقهاء", "probability": 0.9749755859375}, {"start": 154.0, "end": 154.62, "word": " العصر", "probability": 0.9737955729166666}, {"start": 154.62, "end": 155.64, "word": " ويبينوا", "probability": 0.86181640625}, {"start": 155.64, "end": 156.3, "word": " حكمها", "probability": 0.9723307291666666}, {"start": 156.3, "end": 160.22, "word": " وموقف", "probability": 0.9688720703125}, {"start": 160.22, "end": 160.66, "word": " الشريعة", "probability": 0.9314778645833334}, {"start": 160.66, "end": 161.3, "word": " الإسلامية", "probability": 0.967041015625}, {"start": 161.3, "end": 161.7, "word": " منها", "probability": 0.993408203125}], "temperature": 1.0}, {"id": 7, "seek": 18644, "start": 165.34, "end": 186.44, "text": "الإجارة المنتهية بالتمليك أيها الإخوة الكرام يعني دعنا نقول كثرة التعريفات ال .. الواردة عليها منها تعريفات جاية مختصرة ومنها تعريفات فيها نوع تفصيل لطبيعتها أكثر فأكثر", "tokens": [6027, 28814, 7435, 9640, 3660, 9673, 29399, 3224, 10632, 20666, 39237, 20292, 4117, 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{"start": 178.0, "end": 178.46, "word": " جاية", "probability": 0.815185546875}, {"start": 178.46, "end": 179.2, "word": " مختصرة", "probability": 0.986328125}, {"start": 179.2, "end": 180.56, "word": " ومنها", "probability": 0.9069010416666666}, {"start": 180.56, "end": 181.66, "word": " تعريفات", "probability": 0.99755859375}, {"start": 181.66, "end": 182.08, "word": " فيها", "probability": 0.991943359375}, {"start": 182.08, "end": 182.4, "word": " نوع", "probability": 0.97314453125}, {"start": 182.4, "end": 183.76, "word": " تفصيل", "probability": 0.9842529296875}, {"start": 183.76, "end": 185.38, "word": " لطبيعتها", "probability": 0.9947265625}, {"start": 185.38, "end": 185.88, "word": " أكثر", "probability": 0.9127604166666666}, {"start": 185.88, "end": 186.44, "word": " فأكثر", "probability": 0.9149169921875}], "temperature": 1.0}, {"id": 8, "seek": 20093, "start": 187.43, "end": 200.93, "text": "وأنا أستطيع أن أقول أن أخسر التعريفات المتعلقة بالإيجارة المنتهية بالتمليك هي الإيجارة المنتهية بالتمليك", "tokens": [2407, 10721, 8315, 5551, 14851, 9566, 40228, 14739, 5551, 39648, 14739, 5551, 9778, 3794, 2288, 16712, 3615, 16572, 5172, 9307, 9673, 2655, 30241, 28671, 20666, 28814, 1829, 7435, 9640, 3660, 9673, 29399, 3224, 10632, 20666, 39237, 20292, 4117, 39896, 33688, 1829, 7435, 9640, 3660, 9673, 29399, 3224, 10632, 20666, 39237, 20292, 4117], "avg_logprob": -0.08092570923409372, "compression_ratio": 1.883495145631068, "no_speech_prob": 0.0, "words": [{"start": 187.43, "end": 187.83, "word": "وأنا", "probability": 0.7840169270833334}, {"start": 187.83, "end": 188.33, "word": " أستطيع", "probability": 0.8692626953125}, {"start": 188.33, "end": 188.47, "word": " أن", "probability": 0.84326171875}, {"start": 188.47, "end": 188.85, "word": " أقول", "probability": 0.9521484375}, {"start": 188.85, "end": 189.11, "word": " أن", "probability": 0.5634765625}, {"start": 189.11, "end": 189.59, "word": " أخسر", "probability": 0.919921875}, {"start": 189.59, "end": 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new file mode 100644
index 0000000000000000000000000000000000000000..2a0841189777b27d8abcc58376e468229fa43954
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/hdY8Y28MhRM_raw.json
@@ -0,0 +1 @@
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diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/jbMmEu85PtI_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/jbMmEu85PtI_raw.json
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index 0000000000000000000000000000000000000000..0bbea30090ad2ff286523b981beda82d5348e0a9
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@@ -0,0 +1 @@
+{"segments": [{"id": 1, "seek": 4941, "start": 21.67, "end": 49.41, "text": "بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام على رسول الله وعلى آله وصحبه ومن اهتدى بهديه واستنى بصناته إلى يوم الدين اللهم اننا نسألك الهدى والتقى والعفافة والغنى وان تعلمنا دائما يا ربي ماينفعنا وبعد انتهينا من الحديث عن", "tokens": [3555, 38251, 21984, 34892, 5016, 27842, 34892, 5016, 32640, 21542, 2304, 3215, 24976, 3224, 16070, 9381, 15040, 3660, 16070, 3794, 37440, 15844, 12602, 3794, 12610, 21984, 4032, 3615, 23942, 19753, 43761, 4032, 9381, 5016, 3555, 3224, 4032, 27842, 1975, 3224, 2655, 3215, 7578, 39627, 16254, 3224, 36764, 14851, 1863, 7578, 4724, 9381, 8315, 47395, 30731, 7251, 20498, 32748, 9957, 13672, 16095, 16472, 8315, 8717, 3794, 10721, 23275, 2423, 3224, 3215, 7578, 16070, 2655, 4587, 7578, 16070, 3615, 5172, 31845, 3660, 16070, 17082, 1863, 7578, 4032, 7649, 37279, 19528, 8315, 11778, 16373, 15042, 35186, 12602, 21292, 19446, 9957, 5172, 3615, 8315, 46599, 22488, 16472, 47395, 1829, 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يسبقه بيان أولا حول معنى الخلوات أو الخلوات", "tokens": [3224, 15730, 8608, 1829, 9566, 3555, 5016, 5296, 8315, 9154, 16490, 1211, 6027, 4724, 1829, 7649, 31767, 13063, 5296, 33456, 31767, 13063, 16070, 10721, 8592, 4117, 6027, 16070, 33456, 14407, 3615, 24976, 9778, 1211, 2407, 9307, 6055, 46456, 46538, 30731, 14739, 14407, 3615, 44650, 22488, 41891, 16070, 5016, 24793, 3714, 43500, 3555, 9566, 34051, 28242, 20328, 13063, 3660, 5296, 11296, 11331, 24793, 11296, 33962, 33546, 4724, 11296, 21542, 16254, 12984, 18871, 28242, 29910, 23275, 5296, 16758, 3215, 14739, 7251, 35457, 4587, 3224, 4724, 1829, 7649, 5551, 12610, 995, 11331, 12610, 20449, 1863, 7578, 33962, 1211, 2407, 9307, 34051, 33962, 1211, 2407, 9307], "avg_logprob": -0.07520479716143562, "compression_ratio": 1.9680851063829787, "no_speech_prob": 0.0, "words": [{"start": 367.28, "end": 367.72, "word": "هذا", "probability": 0.961181640625}, {"start": 367.72, "end": 368.38, "word": " سيطبح", "probability": 0.786572265625}, 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{"start": 439.21, "end": 439.57, "word": " متى", "probability": 0.727294921875}, {"start": 439.57, "end": 440.73, "word": " بدأت؟", "probability": 0.98974609375}, {"start": 440.73, "end": 441.09, "word": " و", "probability": 0.85205078125}, {"start": 441.09, "end": 441.39, "word": " لماذا", "probability": 0.7652994791666666}, {"start": 441.39, "end": 442.41, "word": " بدأت؟", "probability": 0.9815673828125}, {"start": 442.41, "end": 443.27, "word": " أسبابها", "probability": 0.904541015625}, {"start": 443.27, "end": 447.31, "word": " يذكر", "probability": 0.908203125}, {"start": 447.31, "end": 447.45, "word": " يا", "probability": 0.87255859375}, {"start": 447.45, "end": 447.93, "word": " إخوة", "probability": 0.808837890625}, {"start": 447.93, "end": 449.07, "word": " الباحثون", "probability": 0.9814453125}, {"start": 449.07, "end": 451.33, "word": " والمؤرخون", "probability": 0.960693359375}, {"start": 451.33, "end": 452.29, "word": " أن", "probability": 0.828125}, {"start": 452.29, 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1901.37, "end": 1902.21, "word": " الدراهم", "probability": 0.9840494791666666}, {"start": 1902.21, "end": 1903.31, "word": " التي", "probability": 0.7099609375}, {"start": 1903.31, "end": 1907.83, "word": " دفعها", "probability": 0.9627685546875}, {"start": 1907.83, "end": 1912.95, "word": " اسم", "probability": 0.8720703125}, {"start": 1912.95, "end": 1913.21, "word": " لما", "probability": 0.969482421875}, {"start": 1913.21, "end": 1913.61, "word": " يملكوا", "probability": 0.9873046875}, {"start": 1913.61, "end": 1913.91, "word": " دافع", "probability": 0.994140625}, {"start": 1913.91, "end": 1914.51, "word": " الدراهم", "probability": 0.986328125}, {"start": 1914.51, "end": 1915.53, "word": " التي", "probability": 0.92529296875}, {"start": 1915.53, "end": 1917.69, "word": " دفعها", "probability": 0.986083984375}], "temperature": 1.0}, {"id": 76, "seek": 194118, "start": 1918.82, "end": 1941.18, "text": "في مقابل الإخلاء اسم لما يملكه دافع الدراهم اسم دافع الدراهم بيملك منفعة مكان 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"word": " دافع", "probability": 0.9503580729166666}, {"start": 1930.04, "end": 1930.8, "word": " الدراهم", "probability": 0.9576822916666666}, {"start": 1930.8, "end": 1933.62, "word": " اسم", "probability": 0.60467529296875}, {"start": 1933.62, "end": 1935.16, "word": " دافع", "probability": 0.8543294270833334}, {"start": 1935.16, "end": 1935.84, "word": " الدراهم", "probability": 0.9747721354166666}, {"start": 1935.84, "end": 1936.46, "word": " بيملك", "probability": 0.9230143229166666}, {"start": 1936.46, "end": 1937.12, "word": " منفعة", "probability": 0.91162109375}, {"start": 1937.12, "end": 1938.7, "word": " مكان", "probability": 0.854248046875}, {"start": 1938.7, "end": 1939.86, "word": " من", "probability": 0.94140625}, {"start": 1939.86, "end": 1940.38, "word": " الأمكان", "probability": 0.7360026041666666}, {"start": 1940.38, "end": 1941.18, "word": " حانوت", "probability": 0.7683919270833334}], "temperature": 1.0}, {"id": 77, "seek": 195446, "start": 1941.8, "end": 1954.46, "text": "محل .. مزرع اسمه لما يملكه لكنه يدفع دراهم معينة", "tokens": [2304, 5016, 1211, 4386, 3714, 11622, 2288, 3615, 24525, 2304, 3224, 5296, 15042, 7251, 2304, 23275, 3224, 44381, 3224, 7251, 3215, 5172, 3615, 11778, 23557, 16095, 20449, 9957, 3660], "avg_logprob": -0.19374999950329463, "compression_ratio": 1.118421052631579, "no_speech_prob": 5.960464477539062e-07, "words": [{"start": 1941.8, "end": 1943.46, "word": "محل", "probability": 0.6915690104166666}, {"start": 1943.46, "end": 1944.14, "word": " ..", "probability": 0.42919921875}, {"start": 1944.14, "end": 1945.08, "word": " مزرع", "probability": 0.9154052734375}, {"start": 1945.08, "end": 1945.96, "word": " اسمه", "probability": 0.75244140625}, {"start": 1945.96, "end": 1946.56, "word": " لما", "probability": 0.818603515625}, {"start": 1946.56, "end": 1947.36, "word": " يملكه", "probability": 0.8402099609375}, {"start": 1947.36, "end": 1949.04, "word": " لكنه", "probability": 0.674560546875}, {"start": 1949.04, "end": 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\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/jbMmEu85PtI_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/jbMmEu85PtI_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..878aaf1eb53f2214ac4d35ee8765682ab6da2740
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/jbMmEu85PtI_raw.srt
@@ -0,0 +1,1752 @@
+1
+00:00:21,670 --> 00:00:25,630
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:25,630 --> 00:00:30,550
+على رسول الله وعلى آله وصحبه ومن اهتدى بهديه
+
+3
+00:00:30,550 --> 00:00:36,310
+واستنى بصناته إلى يوم الدين اللهم اننا نسألك الهدى
+
+4
+00:00:36,310 --> 00:00:42,110
+والتقى والعفافة والغنى وان تعلمنا دائما يا ربي
+
+5
+00:00:42,110 --> 00:00:47,930
+ماينفعنا وبعد انتهينا
+
+6
+00:00:47,930 --> 00:01:00,470
+من الحديث عنأهم صور حقوق الإبتكار وموقف
+
+7
+00:01:00,470 --> 00:01:07,630
+الشريعة الإسلامية من هذه الحقوق سواء حق التأليف أو
+
+8
+00:01:07,630 --> 00:01:13,050
+براءة الاختراع أو
+
+9
+00:01:13,050 --> 00:01:22,270
+الاسم التجاريوربما من خلال اطلاعنا على موقف
+
+10
+00:01:22,270 --> 00:01:29,110
+الشريعة من هذه الحقوق والتي هي في الأصل حقوق
+
+11
+00:01:29,110 --> 00:01:33,270
+معنوية وتعتبر
+
+12
+00:01:33,270 --> 00:01:41,650
+من المعاملات المعاصرة وجدنا أن الشريعة الإسلامية
+
+13
+00:01:41,650 --> 00:01:49,680
+تعاملت معهامن منطلق مبادئها العامة وقواعدها الكلية
+
+14
+00:01:49,680 --> 00:02:01,820
+قواعد المصالح وقواعد العدالة وقواعد مراعاة
+
+15
+00:02:01,820 --> 00:02:07,480
+عدم ضرر هذه كلها قواعد عامة في الشريعة الإسلامية
+
+16
+00:02:07,480 --> 00:02:11,660
+تنطلق منها في بيان الأحكام و
+
+17
+00:02:13,610 --> 00:02:17,950
+بسبب هذه المنطلقات أو انطلاقا من هذه المبادئ وجدنا
+
+18
+00:02:17,950 --> 00:02:22,190
+أن الشريعة الإسلامية حمت هذه الحكومة واعترفت بها
+
+19
+00:02:22,190 --> 00:02:28,630
+وأجازت لأصحابها أن يأخذوا بدل ماليا عنها، أجازت
+
+20
+00:02:28,630 --> 00:02:34,480
+لأصحابها الحق الكاملحق الاختصاص فيها التصرف فيها
+
+21
+00:02:34,480 --> 00:02:42,020
+شأنها شأن أي ممتلك مادي أي مملوك أي شيء مملوك ملكا
+
+22
+00:02:42,020 --> 00:02:47,380
+ماديا للإنسان لا يختلفوا بل إن عن المملوك معنويا
+
+23
+00:02:47,380 --> 00:02:53,680
+بل ربما الشيء المملوك معنويا يكون أكثر أهمية وأكثر
+
+24
+00:02:53,680 --> 00:03:00,620
+خصوصية والاعتداء عليه يسبب مضارة أعظممن الاعتداء
+
+25
+00:03:00,620 --> 00:03:05,490
+على الضروري على شيء ماديومن هنا كانت الشريعة
+
+26
+00:03:05,490 --> 00:03:10,290
+الإسلامية أو وقفت الشريعة الإسلامية موقفا واضحا في
+
+27
+00:03:10,290 --> 00:03:15,950
+كل هذه الحقوق وهو جواز إعطاء البدل المالي لأصحاب
+
+28
+00:03:15,950 --> 00:03:20,950
+الحقوق المعنوية والاعتراف بها وعدم جواز اللي اتدا
+
+29
+00:03:20,950 --> 00:03:26,370
+عليها بل محاسبة من يعتدي عليها وقد سردنا في ذلك
+
+30
+00:03:26,370 --> 00:03:31,930
+الأدلة والأمثلة والشواهد الكثيرة لنتقل من هذا
+
+31
+00:03:33,860 --> 00:03:44,720
+الموضوع الى موضوع اخر هو ايضا من مواضيع المعاملات
+
+32
+00:03:44,720 --> 00:03:46,640
+المالية المؤاصرة
+
+33
+00:03:49,570 --> 00:03:58,010
+والذي طفى على السطح في عصرنا الحاضر كثيرا وانتشر
+
+34
+00:03:58,010 --> 00:04:06,130
+كثيرا وكثر التساؤل فيه وعنه وعن حكمه ألا وهو موضوع
+
+35
+00:04:06,130 --> 00:04:13,250
+الخلو أو الخلوات ربما
+
+36
+00:04:13,250 --> 00:04:21,240
+كلمة الخلوأو مصطلح الخلو ليس بغريب علينا نحن في
+
+37
+00:04:21,240 --> 00:04:27,440
+هذا البلد، في غزة، في فلسطين و كثيرا ما نسمع أن
+
+38
+00:04:27,440 --> 00:04:39,000
+فلان عندما ترك دكانه أو ترك حانوته أو ترك الأرض
+
+39
+00:04:39,000 --> 00:04:43,960
+والمزرعة التي كان يحرسها لمدة عشرين أو ثلاثين عاما
+
+40
+00:04:44,730 --> 00:04:55,270
+أخذ من .. من صاحبي العقار حانوتا، دكانا، أرضا، حتى
+
+41
+00:04:55,270 --> 00:05:01,590
+لو كان ذلك أيضا منزلا، أخذ منه خلوا، أخذ منه مالا
+
+42
+00:05:01,590 --> 00:05:05,190
+معينا،
+
+43
+00:05:05,190 --> 00:05:18,070
+محددا، مقابل أنه تركأو أخلق هذا المكان مع أنه في
+
+44
+00:05:18,070 --> 00:05:25,270
+الأصل كان مستأجرا أو كان حارسا يأخذ بدلا على
+
+45
+00:05:25,270 --> 00:05:32,250
+حراسته أو كان مستأجرا انتفع بمقابل أجرته وربما
+
+46
+00:05:32,250 --> 00:05:39,300
+انتهت مدته أو لم تنتهي كل ذلك يدعو للتساؤلاتماذا
+
+47
+00:05:39,300 --> 00:05:46,120
+أو ما هو حكم هذا البدل، هذا الخلو، هذا المال الذي
+
+48
+00:05:46,120 --> 00:05:51,960
+يأخذه أو يطالب به المستاجر أو أحيانا كما سنرى ربما
+
+49
+00:05:51,960 --> 00:05:58,620
+يأخذه المالك أيضا قبل أن يؤجر عقاره لأسباب معينة
+
+50
+00:05:58,620 --> 00:06:04,540
+سنراها ما هي الأحكام المتعلقة بالخلوات
+
+51
+00:06:07,280 --> 00:06:12,320
+هذا سيطبح لنا من خلال بيان الصور لأن الصور
+
+52
+00:06:12,320 --> 00:06:17,060
+والأشكال والأنواع للخلوات تختلف إلى أنواع متعددة
+
+53
+00:06:17,060 --> 00:06:26,000
+والحكم مرتبط أو كل صورة لها حكمها الخاص بها الحديث
+
+54
+00:06:26,000 --> 00:06:33,180
+عن كل ذلك لابد أن يسبقه بيان أولا حول معنى الخلوات
+
+55
+00:06:33,180 --> 00:06:41,820
+أو الخلواتو كما تعودنا لغة واصطلاحا ثم ربما نتطرق
+
+56
+00:06:41,820 --> 00:06:49,320
+للحديث عن نشأة الخلوةو ثم أسبابهم و أنا الحقيقة
+
+57
+00:06:49,320 --> 00:06:55,100
+هذه المرة سابدأ بالنشأة أولا قبل الحديث عن التعريف
+
+58
+00:06:55,100 --> 00:07:01,280
+لأن التعريف ربما يكون إلى حد ما واضح و سأتحدث فيه
+
+59
+00:07:01,280 --> 00:07:12,990
+لكن سأتحدث أولا عن النشأة من متى او متى بدأتمشكلة
+
+60
+00:07:12,990 --> 00:07:21,090
+أو مسألة أو حادثة الخلوات كيف بدأت؟ و متى بدأت؟ و
+
+61
+00:07:21,090 --> 00:07:27,310
+لماذا بدأت؟ أسبابها يذكر
+
+62
+00:07:27,310 --> 00:07:36,250
+يا إخوة الباحثون والمؤرخون أن أول صورة
+
+63
+00:07:36,250 --> 00:07:37,610
+أو أول
+
+64
+00:07:40,060 --> 00:07:51,720
+ما عُرفت الخلوات عُرفت في عهدي السلطان الغوري هذا
+
+65
+00:07:51,720 --> 00:07:56,680
+السلطان اللي هو أحد سلاطين المماليك الدولة
+
+66
+00:07:56,680 --> 00:08:00,240
+المملكية بل هو آخر سلاطينهم
+
+67
+00:08:03,150 --> 00:08:11,570
+وهذا السلطان كان مهتما كثيرا بالبناء والهندسة
+
+68
+00:08:11,570 --> 00:08:21,950
+المعمارية وإلى غير ذلك بنى سوقا دكاكين مجموعة
+
+69
+00:08:21,950 --> 00:08:30,170
+دكاكين ربما كلفته مبلغا كبيرا أرهق مالية الدولة
+
+70
+00:08:33,750 --> 00:08:40,350
+ويريد أن يؤجرها يريد أن يكريها كراء يعني التأجير
+
+71
+00:08:40,350 --> 00:08:46,270
+كانت استخدام كلمة قديمة كلمة الكراء واليوم التأجير
+
+72
+00:08:46,270 --> 00:08:55,710
+معناه واحد فاشترط على من أراد أن يكتري حانوتا أن
+
+73
+00:08:55,710 --> 00:09:02,170
+يدفع مبلغا معينا من المال مما سوى الإجارة
+
+74
+00:09:05,420 --> 00:09:11,180
+اللي هو زي مقدم اليوم يعني على أساس تتضحى الصورة
+
+75
+00:09:11,180 --> 00:09:16,540
+البلديات بتعمل أشياء كذه تبني سوقا أو تبني دكاكين
+
+76
+00:09:16,540 --> 00:09:27,900
+في الأراضي الخاصة بها ثم تؤجرها لمن أردوبأجرة ربما
+
+77
+00:09:27,900 --> 00:09:32,740
+أقل من الأجرة المعتادة ولا لا إذا الأجرة مائة
+
+78
+00:09:32,740 --> 00:09:36,680
+دينار ربما تواجرها بثلاثين أو بعشرين أو بخمسين
+
+79
+00:09:36,680 --> 00:09:44,820
+ولكن مقابل ذلك فإنها تأخذ أو تشترط أن يدفع كل
+
+80
+00:09:44,820 --> 00:09:50,160
+مستأجر مبلغا معينا ألفين، ثلاثة آلاف، أربعة آلاف
+
+81
+00:09:50,160 --> 00:09:50,800
+دينار
+
+82
+00:09:56,380 --> 00:10:05,420
+هذا المال يعني وكأنه لا يريدوا البلدية هذه لاتخلي
+
+83
+00:10:05,420 --> 00:10:13,000
+.. لاتخلي هذا المكان بمجرد الإيجار حتى يدفع هذا
+
+84
+00:10:13,000 --> 00:10:20,880
+المبلغ أولا ثم يدفع إيجارا بعد ذلك على سنويا طبعا
+
+85
+00:10:20,880 --> 00:10:24,540
+هنشوف إيش الأسباب يعني هناك أسباب يعني الحاجة مرات
+
+86
+00:10:24,540 --> 00:10:28,810
+أو إلا غير ذلكهذا حدث أول ما حدث كما كنا مع
+
+87
+00:10:28,810 --> 00:10:37,630
+السلطان الغوري وهذا .. يعني هذا الكلام كان سنة
+
+88
+00:10:37,630 --> 00:10:43,490
+تسعمية هجري يعني قبل حوالي أربعمائة سنة تقريبا لأن
+
+89
+00:10:43,490 --> 00:10:55,350
+السلطان الغوري ولد 850 هجري وتولى ملكة مصرفي عام
+
+90
+00:10:55,350 --> 00:11:02,870
+تسعمية هجر تقريبا وقام
+
+91
+00:11:02,870 --> 00:11:07,430
+بهذا اللذي قام به في هذه السنوات يعني حوالي نحو
+
+92
+00:11:07,430 --> 00:11:17,510
+اربعمائة عام تقريبا و فالان الان يا اخوة يا اخوة
+
+93
+00:11:17,510 --> 00:11:26,100
+بدأت التساؤلات هذا اللذي استأجر منالحكومة من
+
+94
+00:11:26,100 --> 00:11:31,020
+البلدية من الأوقاف أيضا تفعل مثل هذا اليوم و
+
+95
+00:11:31,020 --> 00:11:39,560
+بالامس يعني قديما كانت الأوقاف يعني لها ملك اراضي
+
+96
+00:11:39,560 --> 00:11:43,580
+تبني دكاكين او محلات
+
+97
+00:11:46,820 --> 00:11:52,500
+ثم يعني تريدوا أن تؤجرها لكن لأسباب معينة لضيق
+
+98
+00:11:52,500 --> 00:11:58,020
+المال او يعني لأنها تريدوا ان تجمع مالا لتبني مكان
+
+99
+00:11:58,020 --> 00:12:05,700
+اخر او تشترض كذلك لمن اراد ان يتأجر هذا الحدد او
+
+100
+00:12:05,700 --> 00:12:13,720
+ذا كان يدفع مبلغا معينا من المال الآن يا اخوة هذا
+
+101
+00:12:13,720 --> 00:12:20,490
+الذي استأجرودفع مبلغا يعني يام السلطان الغوري بلغة
+
+102
+00:12:20,490 --> 00:12:22,890
+مقدار
+
+103
+00:12:24,860 --> 00:12:30,620
+الخلق اللذي يدفعه من يريد ان يستاجر قبل ان يأخذ
+
+104
+00:12:30,620 --> 00:12:37,360
+400 دينار ذهبية عارفين يعني ايش 400 دينار ذهبية؟
+
+105
+00:12:37,360 --> 00:12:41,580
+يعني شيء خيالي و هذا يدل على انه في الوصول السابقة
+
+106
+00:12:41,580 --> 00:12:45,820
+بجى فيه تجارة رائجة و بجى فيه ازدهار في الاقتصاد
+
+107
+00:12:45,820 --> 00:12:52,180
+مش يعني بس في هذه الأزمان 400 دينار دينار الذهبي 4
+
+108
+00:12:52,180 --> 00:12:57,450
+جرام و نصيعني أربعمية في أربعة ألف و خمسمائة جرام
+
+109
+00:12:57,450 --> 00:13:02,630
+دهب، ألف و خمسمائة جرام دهب حوالي في تلاتين دينار
+
+110
+00:13:02,630 --> 00:13:08,270
+أردني، يداش بطلع، يعني حوالي خمسين ألف دينار، مش
+
+111
+00:13:08,270 --> 00:13:11,990
+هيك، يعني حسبة بسيطة بس، خمسين ألف، ولو في عمر
+
+112
+00:13:11,990 --> 00:13:18,590
+المختار اليوم، ولا في العتبة في مصر، ولا في بغداد،
+
+113
+00:13:18,590 --> 00:13:23,270
+مش هتدفع هذا الكلاممبلغ كبير هذا يدل على ان في
+
+114
+00:13:23,270 --> 00:13:28,710
+فترات كان في رواج احنا مابهمنا هذا المبلغ الكبير
+
+115
+00:13:28,710 --> 00:13:33,450
+اللذي دفعه هذا الشخص ثم بعد ذلك ربما يدفع مبلغا
+
+116
+00:13:33,450 --> 00:13:42,890
+زيدا للإيجار قليلا مش اشكال لو انه توفي بعد سنين
+
+117
+00:13:42,890 --> 00:13:52,670
+قليلة مات بعد سنتين تلاتة اربعةيعني تقول الدولة و
+
+118
+00:13:52,670 --> 00:13:58,590
+لا البلدية تقول أنا مأجر و تأجير و خلاص انتهى و
+
+119
+00:13:58,590 --> 00:14:06,570
+هذا لا يورث و هذا مالوش عندي السلامة هل يُعقل هذا؟
+
+120
+00:14:06,570 --> 00:14:10,430
+مثلا هل
+
+121
+00:14:10,430 --> 00:14:19,470
+لورثته الحق في ميراثيعني هذا المحل اللذي هو يعني
+
+122
+00:14:19,470 --> 00:14:26,010
+مؤجر تاجير، أنا لو كان أبويا متأجر، محل معين، أجار
+
+123
+00:14:26,010 --> 00:14:31,730
+عادي، يعني أو منزل، أجار عادي، مش أجار عن طريق خلو
+
+124
+00:14:31,730 --> 00:14:38,900
+ومات، تمتهي العلاقة الإيجار، حقيقةولا يجبر ولا ..
+
+125
+00:14:38,900 --> 00:14:43,440
+ولا أستحق أنا أن أستاجر إلا برضه المؤاجر من جديد
+
+126
+00:14:43,440 --> 00:14:50,340
+يعني وبعاقد جديد لكن الآن الصورة مختلفة أبويا يعني
+
+127
+00:14:50,340 --> 00:14:57,300
+دفع مبلغ كبير قبل إخلاء .. قبل أن ينتفع بهذا أو
+
+128
+00:14:57,300 --> 00:15:03,520
+يستاجر بهذا المحل فالأمر لم يعد لم تعد الصورة صورة
+
+129
+00:15:03,520 --> 00:15:06,500
+إيجار معودة
+
+130
+00:15:08,480 --> 00:15:14,120
+بل صورة ايجار غير معهودة صورة ايجار يعني هو هذا
+
+131
+00:15:14,120 --> 00:15:18,420
+المستاجر الاستاجر من الدولة او من البلدية او من
+
+132
+00:15:18,420 --> 00:15:22,540
+الاوقاف احنا روح افراز كل الدكاكين اللي فى فراز
+
+133
+00:15:22,540 --> 00:15:30,160
+مستاجرة من الاوقاف لكن كام بيدفع؟ يعني يمكن جديد
+
+134
+00:15:30,160 --> 00:15:32,980
+غيروا الاسعار شوية كانوا بيدفعوا عشر اجنيه مصر
+
+135
+00:15:32,980 --> 00:15:37,660
+يعني حاجة مالهاش قيمةعشرين إجنيه، خمسين إجنيه،
+
+136
+00:15:37,660 --> 00:15:41,160
+يمكن صاروا يدفعوا مية دينار في السنة، حتى بعد رفع
+
+137
+00:15:41,160 --> 00:15:45,080
+الأسعار، ضالت الأسعار زهيدة جدا، أمام فداء اسمه
+
+138
+00:15:45,080 --> 00:15:53,420
+مستاجر، لا يحق له أن يبيع العقار، لكن هو ابتداء في
+
+139
+00:15:53,420 --> 00:16:01,990
+الأساس إنماتوافق مع صاحب المكان على دفع هذا المبلغ
+
+140
+00:16:01,990 --> 00:16:07,290
+الزهيد لأنه كان قد دفع مبلغا يعني تحت الحساب زي ما
+
+141
+00:16:07,290 --> 00:16:14,430
+بقوله او مقدما او مبلغا غير الأجراء من أجل ان يخلى
+
+142
+00:16:14,430 --> 00:16:19,870
+له هذا وينتفع به فلم تقعد الصورة كصورة الايجار
+
+143
+00:16:19,870 --> 00:16:26,400
+معروف يا اخوان انا بستجر ادفع شهريا او سنوياكل شهر
+
+144
+00:16:26,400 --> 00:16:31,360
+بشهره بدفع كل شهر 100 دينار 150 دينار لمدة معينة
+
+145
+00:16:31,360 --> 00:16:37,000
+بعد انتهاء المدة اذا انا حبيت اواصل او اتوافق مع
+
+146
+00:16:37,000 --> 00:16:42,300
+المؤجر للمواصلة وصلت بدي اطلع باطلع بدون ان اطالب
+
+147
+00:16:42,300 --> 00:16:47,220
+بدون ان يكون لي الحق بالمطالبة بشيء لكن زي ما قلت
+
+148
+00:16:47,220 --> 00:16:52,480
+لما انا كنت دافع مبلغمعين و هذا المبلغ يعني قد
+
+149
+00:16:52,480 --> 00:16:58,020
+يساوي في حقيقته نصف ثمن او ثلاثة اربعة ثمن المحل
+
+150
+00:16:58,020 --> 00:17:04,140
+وبعدين بعد تلت سنين اربعة سنين موتت تلت اربعة سنين
+
+151
+00:17:04,140 --> 00:17:10,000
+انا حتى حبيت مانفع الشغل كله مش خش مخي بديش المحل
+
+152
+00:17:10,000 --> 00:17:15,560
+خالصتقول الدولة أنا هذا المحل إليه؟ هو إليها صحيح
+
+153
+00:17:15,560 --> 00:17:23,380
+و مع السلامة مش هقدر بعدين أجر لحدها، أنتفع فيه
+
+154
+00:17:23,380 --> 00:17:31,060
+بشكل من الأشكال؟ هنا يأتي السؤال أيها الأخوة
+
+155
+00:17:31,060 --> 00:17:40,310
+الكرامبغض النظر احنا كما قلت بدأت اذا مسألة نشأة
+
+156
+00:17:40,310 --> 00:17:45,350
+الخلوة يعني لان يا اخوة في الإسلام معروف طرق
+
+157
+00:17:45,350 --> 00:17:50,190
+انتقال الملكية يعني او خلينا نقول صور التعامل مع
+
+158
+00:17:50,190 --> 00:17:54,610
+الحوانيت
+
+159
+00:17:54,610 --> 00:17:59,330
+او المنشئات والعقارات اما بالبيع والتملك او
+
+160
+00:17:59,330 --> 00:18:05,940
+الاستئجار والانتفاعبيع يقتضي التملك أو استئجار
+
+161
+00:18:05,940 --> 00:18:11,270
+يقتضي الانتفاعحتى إذا انتهتوا والإيجار في الشريعة
+
+162
+00:18:11,270 --> 00:18:18,190
+الإسلامية يا إخوة الأصل أن يكون مؤقتا بوقت محددا
+
+163
+00:18:18,190 --> 00:18:24,530
+بوقت معين حتى إذا انتهت مدة خلاص انتهت العقد
+
+164
+00:18:24,530 --> 00:18:30,630
+وانتهت العلاقة وكل واحد بيرجعله ملكه انت مقابل
+
+165
+00:18:30,630 --> 00:18:34,390
+الاجرة دفعتها مقابل الانتفاع لمدة سنتين أو تلاتة
+
+166
+00:18:34,390 --> 00:18:41,090
+ثم يعود الملك لصاحبهإلا إذا توافقوا عليه وإما أن
+
+167
+00:18:41,090 --> 00:18:49,690
+يشتري شراعا لكن هذه صورة مختلفة دفع يعني كأن به و
+
+168
+00:18:49,690 --> 00:18:53,850
+بالمناسبة هذا ما يقوله العلماء قديما قبل العلماء
+
+169
+00:18:53,850 --> 00:19:00,430
+المعاصرين يعني لما سئلوا أيه العلماء دعونا نستبق
+
+170
+00:19:00,430 --> 00:19:06,310
+الأحداث قليلا لما سئل العلماء عن في أيام السلطان
+
+171
+00:19:06,310 --> 00:19:11,490
+الغوريالعلماء .. العلماء المالكية وعلماء الحنفية
+
+172
+00:19:11,490 --> 00:19:17,450
+المسألة مش جديدة بال .. بالكلية عن ذلك عن مسألة هل
+
+173
+00:19:17,450 --> 00:19:24,050
+يجوز انه هذا بعد ما .. الوارث بعد ما يموت اللي هو
+
+174
+00:19:24,050 --> 00:19:29,850
+أبوه ولا مورثه هل يجوز له ان يريث هذا المحل بما
+
+175
+00:19:29,850 --> 00:19:36,470
+انه مستأجر لكنه مستأجر من جانب و مدفوع مبلغمن جانب
+
+176
+00:19:36,470 --> 00:19:41,310
+فقالوا بالجواز بجواز الميراث يعني كأنهم بيقولوا
+
+177
+00:19:41,310 --> 00:19:48,810
+بجواز أخد الفدل بناء على التكييف يعني الفقه على
+
+178
+00:19:48,810 --> 00:19:56,790
+كأن عملية الدفع يا إخوة هذه التي دفعها المستاجر
+
+179
+00:19:56,790 --> 00:20:04,890
+المبلغ المعين أول مرة كأنه اشترى جزءمن المحل وإن
+
+180
+00:20:04,890 --> 00:20:12,880
+لم تكن الصيغة صيغة شراء وبايةبس المضمون و الحقيقة
+
+181
+00:20:12,880 --> 00:20:17,580
+انه لما اندفع ال 400 دينار ذهبية و المحل كله كان
+
+182
+00:20:17,580 --> 00:20:23,480
+بساوي 500 ولا 600 ولا 700 فهو يعني مقابل انه
+
+183
+00:20:23,480 --> 00:20:30,680
+مايدفعش أجرا عادية أجرا بسيطة خلاص و مقابل ان
+
+184
+00:20:30,680 --> 00:20:37,420
+يتأبد له الانتفاعشريطة ان يظل ملتزمة بايجار رمزي
+
+185
+00:20:37,420 --> 00:20:43,660
+يعني بسيط فهو كأنه اشترى ولذلك يا اخوة يعني في
+
+186
+00:20:43,660 --> 00:20:48,640
+عملية يعني تكييفهم او توضيحهم للتكييف الفقهي
+
+187
+00:20:48,640 --> 00:20:52,460
+بيقولوا لان افترض ان الاجرة الشهرية تساوي 100
+
+188
+00:20:52,460 --> 00:21:02,000
+دينار مثلا ثم يعني هو يدفع 50فكأنه الخمسين التي لم
+
+189
+00:21:02,000 --> 00:21:10,960
+يدفعها لو بتأجر تأجير عادي هي مقابل ما ملكه مقابل
+
+190
+00:21:10,960 --> 00:21:14,600
+الأربعمائة دينار كأن الأربعمائة دينار هذه تساوي
+
+191
+00:21:14,600 --> 00:21:18,920
+نصف المحل فلذلك لا يُعقل أن يدفع مثلها
+
+192
+00:21:21,050 --> 00:21:29,070
+فهي فيها نوع من أنواع أو وجه من وجوه التملك وإن
+
+193
+00:21:29,070 --> 00:21:34,110
+كانت يعني في الظاهر أو في صيغة العقد هي صيغته
+
+194
+00:21:34,110 --> 00:21:39,770
+إيجار على كل الأحوال يعني هذه الظاهرة، ظاهرة
+
+195
+00:21:39,770 --> 00:21:46,750
+الخلوات قد يعني استمرت يعني أقولوبدأت تنتشر والله
+
+196
+00:21:46,750 --> 00:21:51,090
+فكرة يعني انه انا اي واحد اي جيهة حكومية حتى لو
+
+197
+00:21:51,090 --> 00:21:55,370
+انت انسان عادي اعوز يعمل مشروع ولو الخزينة فاضية
+
+198
+00:21:55,370 --> 00:21:59,050
+حتى قبل ما يبني يعني اذا كان السلطان الغوري بنى
+
+199
+00:21:59,050 --> 00:22:04,090
+وخلص فيه غيره او بعده صار قبل ما يبنوا احنا بدنا
+
+200
+00:22:04,090 --> 00:22:11,010
+نعمل مشروع اللي بده يتأجريدفع مبلغ كده و كده، اللي
+
+201
+00:22:11,010 --> 00:22:14,410
+بده يتغجر وهي الخريطة، فيها اندي محلات، المحل
+
+202
+00:22:14,410 --> 00:22:17,730
+أربعة في سبعة، أربعة في تلاتة، أربعة في كذا، اللي
+
+203
+00:22:17,730 --> 00:22:21,490
+بده المحل وهذا المحل في الجورنة الفنانية، عشر كذا،
+
+204
+00:22:21,490 --> 00:22:27,000
+هذا عشر عين، هذا على كذا، هذا مساحته كذااللي بده
+
+205
+00:22:27,000 --> 00:22:32,460
+المحل .. كل المحل يقدم طلب ويدفع مبلغ معين واحنا
+
+206
+00:22:32,460 --> 00:22:39,160
+بنأجره اياه على طول مبلغ كده وكده مبلغ رخيص وبسيط
+
+207
+00:22:39,160 --> 00:22:44,940
+في هذه الحالة هذه طبعا يعني هو من خلال ما جمع من
+
+208
+00:22:44,940 --> 00:22:50,400
+هذه المبالغ ربما يضيفوا اليا شيئا قليلا يبني بيبني
+
+209
+00:22:50,400 --> 00:22:57,580
+و بعد هيك بيصير عنده ريعةمستمر من خلال الأجرة حتى
+
+210
+00:22:57,580 --> 00:23:01,800
+وإن كانت قليلة هي حقيقة الأجرة ليست قليلة بالمعنى
+
+211
+00:23:01,800 --> 00:23:08,400
+الحقيقي وإنما تقل بعد عشرات السنوات بعد يعني
+
+212
+00:23:08,400 --> 00:23:13,100
+ارتفاع الأسعار وانخفاض قيمة العمولات وإلى غير ذلك
+
+213
+00:23:13,100 --> 00:23:18,880
+لكن في الوقت هي عندما تفرض لها وزنها يعني لما أنا
+
+214
+00:23:18,880 --> 00:23:25,070
+أجمع أكون بنيت من مصاري المستجرين أنفسهموبعدين هم
+
+215
+00:23:25,070 --> 00:23:29,970
+هيدفعولي فهو مشروع ناجح ومشروع استثماري وانا
+
+216
+00:23:29,970 --> 00:23:37,410
+باستفيد كحكومة حتى لو كنت مفلسة وممكن يعني يكون
+
+217
+00:23:37,410 --> 00:23:42,910
+سبب من أسباب الازدهار أو النمو الاقتصادي على كل
+
+218
+00:23:42,910 --> 00:23:48,330
+الأحوال يعني بدأت هذه الصور يعني صورة عملية الخلوب
+
+219
+00:23:48,330 --> 00:23:56,980
+تنتشر تشتهر يعني كما قلتهذا المال الذي أخذهه
+
+220
+00:23:56,980 --> 00:24:04,160
+المالك يعني السلطان أو البلدية أو الأوقاف أو إلى
+
+221
+00:24:04,160 --> 00:24:15,320
+غير ذلك هذا يمكن أن نسميه بدل خلوة بدل إخلاء بدل
+
+222
+00:24:15,320 --> 00:24:23,150
+إخلاء من أجل الانتفاع ثم بعد ذلكهذه صورة ثم بعد
+
+223
+00:24:23,150 --> 00:24:29,750
+ذلك إذا ما أراد الشخص هذا المستاجر الذي دفع البدل
+
+224
+00:24:29,750 --> 00:24:43,130
+إذا ما أراد أن يخرج من هذا المكان أو يعني أقول قبل
+
+225
+00:24:43,130 --> 00:24:53,730
+ذلك لو أنصاحب المحل البلدية او الدولة ارتأت لسبب
+
+226
+00:24:53,730 --> 00:25:01,830
+من الأسباب ان تخرج هؤلاء بدها المحلات هذه علشان
+
+227
+00:25:01,830 --> 00:25:06,150
+مثلا بدل ما كانت محلات يعني سوق للخضار بدها تخليها
+
+228
+00:25:06,150 --> 00:25:11,350
+محلات لسوق الذهب وبالتالي لسبب او لأسباببدأت أخدها
+
+229
+00:25:11,350 --> 00:25:17,170
+هل تستطيع أن تأخدها هكذا بدون يعني أن ترجع
+
+230
+00:25:17,170 --> 00:25:25,530
+لأصحابها أو للمستجرين بدلا معينا حتى لو قبل عشرات
+
+231
+00:25:25,530 --> 00:25:30,110
+السنوات في ذلك لأنهم
+
+232
+00:25:30,110 --> 00:25:34,470
+دفعوا أموال طائلة في البداية فانا لما أخرجهم
+
+233
+00:25:34,470 --> 00:25:41,740
+أطلعهم ممكن مع إنهم لهم الحق في البقاءهنشوف هذا
+
+234
+00:25:41,740 --> 00:25:48,060
+أيضًا المال الذي يأخذهه أو يمكن أن يأخذهه أو يطالب
+
+235
+00:25:48,060 --> 00:25:53,940
+به المستاجر الآن في الأول كان بدل الخلوب اللي
+
+236
+00:25:53,940 --> 00:25:58,820
+بياخده من المالك هذه صورة لكن ممكن بدل الخلوب بعد
+
+237
+00:25:58,820 --> 00:26:05,700
+هيك ياخد المستاجر لما بده يطلع أو يخرج أو حتى
+
+238
+00:26:05,700 --> 00:26:12,720
+ورثته من بعده أو يبيعههو مش هيبيعه بيع حقيقي بيع
+
+239
+00:26:12,720 --> 00:26:17,660
+انتفاع او بيع منفعة بيسموه بيع منفعة لمستأجر اخر
+
+240
+00:26:17,660 --> 00:26:20,760
+الان
+
+241
+00:26:20,760 --> 00:26:25,740
+المحلات هذه اللي بتاعة الأوقاف او البلديات او كذا
+
+242
+00:26:25,740 --> 00:26:32,260
+المستأجرين بيصير بيع يعني في ما بينهم بعقد عند
+
+243
+00:26:32,260 --> 00:26:38,470
+محامي طبعا بياخدله مبلغ معينوبصير بدل ما هو يدفع
+
+244
+00:26:38,470 --> 00:26:43,650
+التاني اللي بيصير مسئول عن الدفع يعني بيصير عندنا
+
+245
+00:26:43,650 --> 00:26:48,830
+مستاجر يأخذ من مستاجر مستاجر يأخذ من مالك قبل هذا
+
+246
+00:26:48,830 --> 00:26:52,730
+كله مالك يأخذ من مستاجر فهذه صور متعددة كل هذا
+
+247
+00:26:52,730 --> 00:26:59,350
+يسمى خلوة احنا يعني حديثنا كما قلنا سينصب حول مدى
+
+248
+00:26:59,350 --> 00:27:07,450
+مشروعية هذا الأخد وهل له شروط وقيوديعني هل عملية
+
+249
+00:27:07,450 --> 00:27:12,430
+الأخذ هذه مفتوحة مشروعة أو مفتوحة على الغارب أم
+
+250
+00:27:12,430 --> 00:27:17,730
+لها قيود هذا ما سنحاوله أن نراه ولكن نعود إلى
+
+251
+00:27:17,730 --> 00:27:26,430
+التعريف ببدل أو بالخلو و بدله يمكن صار equal يعني
+
+252
+00:27:26,430 --> 00:27:31,710
+الآن صار سهل علينا أن نعرف إيش هو الخلو لغة حتى
+
+253
+00:27:31,710 --> 00:27:38,090
+واصطلاحةالخلو يا إخوة، فيها اللغة من الإخلاء،
+
+254
+00:27:38,090 --> 00:27:41,770
+وكلمة الخلو والإخلاء مش غريبة علينا، كل يوم التاني
+
+255
+00:27:41,770 --> 00:27:48,110
+فينا الحمد لله إخلاءات، يعني بتفرج المكان، والخلو
+
+256
+00:27:48,110 --> 00:27:54,770
+هو التفريغ، مش تفريغ الأوى، تفريغ المكانبعد ما انت
+
+257
+00:27:54,770 --> 00:28:01,070
+كنت ملي المكان ومسيطر ومتسلط عليه فارغته لغيرك
+
+258
+00:28:01,070 --> 00:28:09,230
+اخليته اخليته اه فالاخلاق هو التفريغ لكن الاخلاق
+
+259
+00:28:09,230 --> 00:28:13,410
+هذا ماكنش ببلاش فصار حاجة اسمها بدل الاخلاق او بدل
+
+260
+00:28:13,410 --> 00:28:23,870
+الخلوق وفي مقولة معروفة اللي هي التخليةقبل التحلية
+
+261
+00:28:23,870 --> 00:28:31,770
+عارفينها هذه؟ اه؟ ليش مش عارفينها؟
+
+262
+00:28:31,770 --> 00:28:39,390
+التخلية يعني هذه فمن يكفر بالطاقوت ويؤمن بالله فقد
+
+263
+00:28:39,390 --> 00:28:45,630
+استمسك بالقروات الوثقة التخلية قبل التحلية من أراد
+
+264
+00:28:45,630 --> 00:28:53,050
+أن يعني أن يغيرنفسه مثلا التغيير قد يكون من الفساد
+
+265
+00:28:53,050 --> 00:28:57,850
+إلى الأصلاح من الكفر إلى الإيمان فلابد أولا
+
+266
+00:28:57,850 --> 00:29:02,690
+مابيجيش مابلتقيش كفر و إيمان يا أخوين مع بعض لا
+
+267
+00:29:02,690 --> 00:29:08,370
+يقبل إسلام أحد أو إيمانه و هو على الكفر لابد أن
+
+268
+00:29:08,370 --> 00:29:21,140
+يترك الكفر أولا ثم يسلم يخلي قلبه منالكفر ثم يحليه
+
+269
+00:29:21,140 --> 00:29:25,740
+بلباس الإيمان، لكن هذه التخلية قبل التحلية صارت
+
+270
+00:29:25,740 --> 00:29:30,440
+مقولة في الأكل والشرب، تقال أحيانا، لكن في الأصل
+
+271
+00:29:30,440 --> 00:29:38,830
+هي متعلقة بالتغيير والإصلاحللنفوس سواء من الخفر
+
+272
+00:29:38,830 --> 00:29:45,150
+للإيمان أو من الأخلاق الفاسدة إلى الأخلاق الحسنة
+
+273
+00:29:45,150 --> 00:29:55,410
+والسلوكيات فهي تخلية يعني تفريق هذا أيضا فالخلو
+
+274
+00:29:55,410 --> 00:30:03,110
+أو التخلية من ثم احنا يعني بمعنى التفريق واحنا شوف
+
+275
+00:30:03,110 --> 00:30:07,770
+كلمة الخلة اللي هو الفضةاللي مافيش فيه عمران فاضي
+
+276
+00:30:07,770 --> 00:30:16,470
+فارظ بيت خالي بيت فاضي يعني كلمة تخلى معروفة و هي
+
+277
+00:30:16,470 --> 00:30:31,710
+.. و كأن مسألة .. كأن مسألة الخلو جاءت هنا لأن من
+
+278
+00:30:33,500 --> 00:30:39,940
+تسلط على المحل أو على المكان لا يفرغه، لا يخليه،
+
+279
+00:30:39,940 --> 00:30:46,560
+لا يتركه إلا بعد أن يأخذ بدلاً فالبدل والتخلي
+
+280
+00:30:46,560 --> 00:30:54,480
+مرتبطات ببعضهم البعض أما في الاصطلاح في الاصطلاح
+
+281
+00:30:54,480 --> 00:31:00,480
+يعني حول ما ذكرنا تدور تعريفات
+
+282
+00:31:02,560 --> 00:31:08,720
+الخلو حول ما ذكرنا تدور تعريفات الخلو ومن هذه
+
+283
+00:31:08,720 --> 00:31:19,520
+التعريفات مثلا أنه أي الخلو اسم لما
+
+284
+00:31:19,520 --> 00:31:23,360
+يملكه
+
+285
+00:31:23,360 --> 00:31:27,580
+دافعه
+
+286
+00:31:29,070 --> 00:31:33,530
+الدراهم هذا تعريف للقدماء لحظة التعبير بالدراهم
+
+287
+00:31:33,530 --> 00:31:37,830
+اسم لما يملكوا وفي إشارة إلى أنه مسألة الخلق كانت
+
+288
+00:31:37,830 --> 00:31:43,310
+معروفة قديما اسم لما يملكوا دافع الدراهم التي
+
+289
+00:31:43,310 --> 00:31:47,830
+دفعها
+
+290
+00:31:47,830 --> 00:31:52,950
+اسم
+
+291
+00:31:52,950 --> 00:31:57,690
+لما يملكوا دافع الدراهم التي دفعها
+
+292
+00:31:58,820 --> 00:32:02,620
+في مقابل
+
+293
+00:32:02,620 --> 00:32:15,160
+الإخلاء اسم لما يملكه دافع الدراهم اسم دافع
+
+294
+00:32:15,160 --> 00:32:24,140
+الدراهم بيملك منفعة مكان من الأمكان حانوتمحل ..
+
+295
+00:32:24,140 --> 00:32:36,140
+مزرع اسمه لما يملكه لكنه يدفع دراهم معينةو هذه
+
+296
+00:32:36,140 --> 00:32:44,380
+الدراهم في مقابل الإخلاء أو في مقابل تخلية هذا
+
+297
+00:32:44,380 --> 00:32:52,080
+المكان اسم لما يملكوا ودافعوا الدراهم يعني في
+
+298
+00:32:52,080 --> 00:33:05,870
+مقابل الإخلاءأي الخلوق يطلقه على الأموال
+
+299
+00:33:05,870 --> 00:33:11,630
+التي تدفع مقابل تخلية المكان يعني خلنا نقول في
+
+300
+00:33:11,630 --> 00:33:25,130
+تعريف أخر مثلا هو مبلغ من المال يدفعه الشخص
+
+301
+00:33:26,130 --> 00:33:32,330
+نظير تنازل المنتفع
+
+302
+00:33:32,330 --> 00:33:35,730
+بعقار
+
+303
+00:33:35,730 --> 00:33:47,410
+نظير تنازل بعقار أرض أو دار أو محل أو إلى غير ذلك
+
+304
+00:33:47,410 --> 00:33:55,030
+عن حقه في الانتفاع مبلغ
+
+305
+00:33:55,030 --> 00:33:55,670
+من المال
+
+306
+00:33:58,380 --> 00:34:06,380
+يدفعهم الشخص نظير تنازله أو نظير تنازل المنتفع،
+
+307
+00:34:06,380 --> 00:34:12,480
+المنتفع قد يكون يا اخوة المستاجر وقد يكون المؤجر،
+
+308
+00:34:12,480 --> 00:34:13,200
+المالك نفسه
+
+309
+00:34:16,980 --> 00:34:22,140
+يدفعه نظير تنازل المنتفأ بحقار ارض او دار او محل
+
+310
+00:34:22,140 --> 00:34:27,740
+عن حقه في الانتفاع انا مالك المكان هذا مالك
+
+311
+00:34:27,740 --> 00:34:34,660
+المنفعة فيه لا اتركه التنازل الاستفادة من هذا الحق
+
+312
+00:34:34,660 --> 00:34:43,080
+لشخص اخرإلا بدفع مبلغ من المال هذا المبلغ يسمى بدل
+
+313
+00:34:43,080 --> 00:34:48,980
+الخلوة مبلغ من المال يدفعه الشخص و لذلك ما جالش
+
+314
+00:34:48,980 --> 00:34:52,640
+المستاجر ولا جال المالك لأنه ممكن يكون مرة مالك و
+
+315
+00:34:52,640 --> 00:34:56,780
+ممكن يكون مرة مستاجر الذي يدفعه الشخص نظير تنازل
+
+316
+00:34:56,780 --> 00:35:01,420
+المنتفعالمنتفع برضه ممكن اللي هو ممكن يكون المالك
+
+317
+00:35:01,420 --> 00:35:06,380
+انا منتفع الان بدأ اطلع منه بدأ اخليه مقابل يعني
+
+318
+00:35:06,380 --> 00:35:14,080
+لابد من ان اخذ مبلغا من المال نظيرة هذا الإخلاء او
+
+319
+00:35:14,080 --> 00:35:15,620
+نظير هذه التخليبة
+
+320
+00:35:18,030 --> 00:35:22,450
+بدل الخلو يا اخوة يمكن احنا عندنا كلمة كما قلت
+
+321
+00:35:22,450 --> 00:35:30,750
+مشهورة وتسمى خلو الرجل عندنا خلو رجل مش هيك اه خلو
+
+322
+00:35:30,750 --> 00:35:36,050
+الرجل اه اخدت خلو رجل خدت منه دفعتله هيك او خلوه
+
+323
+00:35:36,050 --> 00:35:40,140
+لحالهالكن كانت زمان يمكن اليوم صارت خلاوة لكن في
+
+324
+00:35:40,140 --> 00:35:45,840
+الأصل كانت خلاوة رجل في بعض الدول في إليها مسميات
+
+325
+00:35:45,840 --> 00:35:50,180
+أخرى مسميات كثيرة كلها تدور حول هذه يعني في
+
+326
+00:35:50,180 --> 00:35:55,660
+بيسموها نقل قدم نقل القدم زي خلاوة الرجل نقل قدم
+
+327
+00:35:55,660 --> 00:36:03,740
+نفس التعبير باختلاف الدول يعني في مصر تسمى تقبيلة
+
+328
+00:36:05,150 --> 00:36:13,450
+أو الجلسة، الجلسة يعني كأنه أنا جالس فيها، أجلست ك
+
+329
+00:36:14,580 --> 00:36:20,340
+في هذا المكان بدل المبلغ
+
+330
+00:36:20,340 --> 00:36:25,700
+من المعرفة فيه تسمى المفتاح في بعض الدول يعني كان
+
+331
+00:36:25,700 --> 00:36:31,500
+مابسلمك المفتاح إلا بعد أخذ ال .. فيه تسمى بعض
+
+332
+00:36:31,500 --> 00:36:39,730
+الدول السر جفلية سر الجفلسر قفل يعني أنت بتقراها
+
+333
+00:36:39,730 --> 00:36:44,550
+إيه سر قفلية، بتقول إيه هي سر الجفل، يعني مفتاح
+
+334
+00:36:44,550 --> 00:36:51,390
+الجفل، السر الجفل مفتاحه، ولا لا، فيعني هذه كلها
+
+335
+00:36:51,390 --> 00:36:59,170
+تسميات معروفة، كلها تدور أو كلها يعني تعكسوا مفهوم
+
+336
+00:36:59,170 --> 00:37:05,290
+إخلوء الرجل أو تسمى الفروجية برضه، يعني قريب جدا
+
+337
+00:37:06,150 --> 00:37:14,410
+الفرغية من التفريغ وكذا والبعض يسميها الزينا أيضا
+
+338
+00:37:14,410 --> 00:37:18,930
+لأن المستاجر للمحل بيكون عامل شوية دكورات وشوية
+
+339
+00:37:18,930 --> 00:37:26,910
+يعني زين المحل وشيده ودهنه وإلى غير ذلك هذه يعني
+
+340
+00:37:26,910 --> 00:37:31,030
+بعض التسميات الآن يا إخوة لو جينا يمكن مع أنه احنا
+
+341
+00:37:31,030 --> 00:37:40,350
+أشرنا بشكل عام إلى أهم الأسبابالتي تكمن ورا
+
+342
+00:37:40,350 --> 00:37:48,110
+المطالبة ببدل الخلوة، لكن خلّينا نكون أكثر تحديدا
+
+343
+00:37:48,110 --> 00:37:56,410
+ونشوف أسباب المطالبة ببدل الخلوة، بغض النظر، بغض
+
+344
+00:37:56,410 --> 00:38:03,430
+النظر عما إذا كان المطالب هو المالك أو المستأجر
+
+345
+00:38:03,960 --> 00:38:09,920
+أولا دعنا نقول بالنسبة للمالك السبب الرئيسي الذي
+
+346
+00:38:09,920 --> 00:38:19,080
+يدفع المالك إلى المطالبة بالبدل هو الحاجة الحاجة
+
+347
+00:38:19,080 --> 00:38:24,680
+إلى المال الحاجة إلى المال من أجل إيه؟ من أجل
+
+348
+00:38:24,680 --> 00:38:29,760
+البناء بناء هذه المحلات ومن ثم تأجيرها أو دعني
+
+349
+00:38:29,760 --> 00:38:35,660
+أضيف الحاجة إلى الاستثمارالحاجة الى الاستثمار ممكن
+
+350
+00:38:35,660 --> 00:38:42,020
+يكون قادر يا اخواه احيانا على البناء لكن بطريقة
+
+351
+00:38:42,020 --> 00:38:48,580
+هذه بيضمن عملية التأجير وبيضمن انه بنى مش من فلوسه
+
+352
+00:38:48,580 --> 00:38:57,220
+وممكن يستثمر فلوسه في مجال اخر فيعني الحاجة او الى
+
+353
+00:38:57,220 --> 00:39:06,620
+المال اومن باب الاستثمار من باب الاستثمار فتبدأ
+
+354
+00:39:06,620 --> 00:39:11,880
+عملية المطالبة ببدل الخلوة اذا اول سبب تعنى نقول
+
+355
+00:39:11,880 --> 00:39:27,190
+حاجة المالك الى المال او رغبته فيالاستثمار لكن هذا
+
+356
+00:39:27,190 --> 00:39:34,250
+السبب تلاحظون أنه يتعلق بالمالك لكن ما هو الداعي
+
+357
+00:39:34,250 --> 00:39:40,310
+الذي سيدعو السبب الذي سيقف ورا مطالبة المستأجر
+
+358
+00:39:40,310 --> 00:39:44,810
+احنا قلنا الأسباب قد تكون متعلقة بالمالك وقد تكون
+
+359
+00:39:44,810 --> 00:39:53,060
+متعلقة بالمستاجرالان المستاجر بعد ما المالك أخد ..
+
+360
+00:39:53,060 --> 00:40:00,020
+أجره و أخد البدل، هذا المستاجر يا إخوة قد يكون
+
+361
+00:40:00,020 --> 00:40:07,260
+يعني .. هذا المستاجر دفع المال، دفع مالا كثيرا
+
+362
+00:40:09,290 --> 00:40:16,210
+ولم يستفد من هذا المال بالمقدار اللذي دفعه دفع
+
+363
+00:40:16,210 --> 00:40:19,970
+مبلغ كبير و جدرر ترتربع خمس سنوات عشر سنوات لو بده
+
+364
+00:40:19,970 --> 00:40:24,790
+يدفع أجاره مجموع الأجر الحقيقية لاتساوي نصف ما دفع
+
+365
+00:40:24,790 --> 00:40:31,590
+اذا يعني خليني نقول المطالبة من قبل المستاجر قد
+
+366
+00:40:31,590 --> 00:40:44,280
+تكون قد يكون سببهاما دفعه المستاجر للمالك من خلو
+
+367
+00:40:44,280 --> 00:40:50,760
+سابق انت خد خلو بدري وسلف وانت تطلعني او انا بدي
+
+368
+00:40:50,760 --> 00:40:58,520
+اطلع وليس لي الحق في ذلك لأ بدي اخد انا احيانا يا
+
+369
+00:40:58,520 --> 00:41:06,190
+اخوة شوفوا الصور الجديدةهذا عندما يدفع المالك أو
+
+370
+00:41:06,190 --> 00:41:10,590
+عندما يدفع المستاجر أولا للمالك وإذا ما أراد أن
+
+371
+00:41:10,590 --> 00:41:15,390
+يخرج أو يخرج فإنه يكون لو يعني كما يقول المبرران
+
+372
+00:41:15,390 --> 00:41:20,490
+واضحا في أن يأخذ هذا البدل مرة أخرى أو نصفه أو ما
+
+373
+00:41:20,490 --> 00:41:29,500
+يتفقون عليه أحيانا بتم الاستئجار العادى بدونما
+
+374
+00:41:29,500 --> 00:41:38,320
+يكون دفع المالك المستاجر قاسف خلوا ومع ذلك بعد عشر
+
+375
+00:41:38,320 --> 00:41:44,280
+سنين وعشرين سنة بيجي يقولي ايشبيجي صاحب ال .. ال
+
+376
+00:41:44,280 --> 00:41:48,980
+.. ال .. ال milk بيقوله بيكبر ابنه و بده يشغله و
+
+377
+00:41:48,980 --> 00:41:53,320
+الله زي ما بيقوله جوحة أولى بلحم ثوره يعني ابني
+
+378
+00:41:53,320 --> 00:41:56,880
+محلي هذا و أنت مستاجر و بعد عشرين سنة الله سهل
+
+379
+00:41:56,880 --> 00:42:02,420
+عليك مع السلامة بيقوله وين يا حبيبي؟ باطلاش و إذا
+
+380
+00:42:02,420 --> 00:42:06,100
+بده أطلع بدي مبلغ يا رحمكم الله بدي مبلغ كده و كده
+
+381
+00:42:06,930 --> 00:42:10,890
+اللي هو بدي خلوه يعنى، مع أنه ماكنش دافع، احنا هاد
+
+382
+00:42:10,890 --> 00:42:14,970
+شوفنا فيه مبرر كان دافع في الأول، لكن المرة ماكنش
+
+383
+00:42:14,970 --> 00:42:20,270
+دافع، ماكان بيدفع أجار عادي، والآن
+
+384
+00:42:20,270 --> 00:42:26,550
+بعد مضي فترة بقوله انا بدي .. اه .. بدي خلوه، بطلع
+
+385
+00:42:26,550 --> 00:42:28,070
+عشان لا بخلوه، يعني لزج
+
+386
+00:42:30,710 --> 00:42:38,410
+ما هو المسوق هنا يا اخوة؟ ما هو الدعف الذي دفعه
+
+387
+00:42:38,410 --> 00:42:44,530
+لذلك؟ ما هو السبب ورا مطالبته؟ السبب ان المحل صار
+
+388
+00:42:44,530 --> 00:42:51,920
+له شهرةالسبب ان المحل على مدار 20 سنة فاكرين لما
+
+389
+00:42:51,920 --> 00:42:58,260
+اتكلمنا عن الاسم التجاري و تركنا الحديث عن الموقع
+
+390
+00:42:58,260 --> 00:43:03,960
+و الشهرة لهنا هذا كان متأجر أجار عادي لكن خلال ال
+
+391
+00:43:03,960 --> 00:43:11,320
+20 سنة يعني من العمل صار المحل شهرته و موقعه الناس
+
+392
+00:43:11,320 --> 00:43:19,120
+عرفوا الطريق لهو قال له انا مابطلعش بعد ما كل
+
+393
+00:43:19,120 --> 00:43:22,800
+هالجهد و كل هالثمار بدي مبلغ كده و كده يمكن المبلغ
+
+394
+00:43:22,800 --> 00:43:28,020
+يساوي كل ما دفع من ايجاره سابق او اكتر او اقل او
+
+395
+00:43:28,020 --> 00:43:32,080
+الى غير ذلك اذا الان في سبب اخر اللي هو خليني
+
+396
+00:43:32,080 --> 00:43:35,340
+اقوله بغض النظر عن .. احنا مابحكيش بغض النظر عن
+
+397
+00:43:35,340 --> 00:43:42,430
+جواز او عدم جواز اخذ البدل اللي هو شهرة المحلالسبب
+
+398
+00:43:42,430 --> 00:43:49,450
+هو إشهار أن أصبح المحل مشهورا و يعني .. و له سمعة
+
+399
+00:43:49,450 --> 00:43:57,590
+و عائلة غير داري الرابع .. اه اه مستاجر السبب
+
+400
+00:43:57,590 --> 00:44:05,010
+الرابع أو سبب آخر مش شهرة المحل موقع المحل بمعنى
+
+401
+00:44:05,010 --> 00:44:11,100
+أنا قبل عشر سنوات في منطقة تل الهواء اتأجرت محلسجر
+
+402
+00:44:11,100 --> 00:44:17,280
+عادي، منطقة نائية كانت و .. و بقى .. و بالتالي
+
+403
+00:44:17,280 --> 00:44:21,160
+الأجار رخيص، بقى يمكن عشرين دينار في الشهر ولا في
+
+404
+00:44:21,160 --> 00:44:27,740
+الكذا، اليوم صارت جالب غزة بعد عشر سنين، أجى صاحب
+
+405
+00:44:27,740 --> 00:44:32,240
+المحل بيقولي يالا مع السلامة، اه بعد ما اتحسن صار
+
+406
+00:44:32,240 --> 00:44:37,630
+في شوارع و أسفل التلت بيقولي وين؟انت لك عشر سنين
+
+407
+00:44:37,630 --> 00:44:42,090
+لما كنت انا مش لاقي ادفع حق الأجار بتقوللي و لا
+
+408
+00:44:42,090 --> 00:44:46,410
+لما بدت تتحسن معايا بتقوللي اطلع مع السلامة اتغيرت
+
+409
+00:44:46,410 --> 00:44:53,010
+قيمة الموقع هل له الحق في المطالبة بخلوة برضه هذي
+
+410
+00:44:53,010 --> 00:44:58,450
+خليني اشوفها هذي السبب اه يعني قد تدفع الشخص
+
+411
+00:44:58,450 --> 00:45:03,190
+بالمطالبة انت هلجيت احيانا في ناس مستيجرين بدون
+
+412
+00:45:03,190 --> 00:45:11,050
+هذه الأسباب ببيتأخيرا القوانين
+
+413
+00:45:11,050 --> 00:45:14,910
+التي
+
+414
+00:45:14,910 --> 00:45:21,130
+وضعت من
+
+415
+00:45:21,130 --> 00:45:29,270
+قبل بعض الدول لحماية المستأجرينأعطت .. أعطت المالك
+
+416
+00:45:29,270 --> 00:45:32,210
+هذه .. هذه متعلقة بالمالك و المستاجر يا أخوة السبب
+
+417
+00:45:32,210 --> 00:45:36,690
+هذا السبب متعلق بالمالك و المستاجر هذه كانت سبب
+
+418
+00:45:36,690 --> 00:45:40,710
+ورا مطالبة كل من المالك و المستاجر بالبدل كيف
+
+419
+00:45:40,710 --> 00:45:46,170
+المستاجر و كيف المالك القوانين اللي حمت المستاجرين
+
+420
+00:45:46,170 --> 00:45:50,070
+و صار المستاجر كأنه مالك حتى لو ماكنش بيدفع مستاجر
+
+421
+00:45:50,070 --> 00:45:58,480
+عادي يجي بأجرهلسنة او لسنتين و بعد ذلك لا يستطيع
+
+422
+00:45:58,480 --> 00:46:01,660
+ان يخرجه و يبقى الأجار ولا يستطيع ان يرفع الأجار
+
+423
+00:46:01,660 --> 00:46:06,720
+لإيجار ولا يستطيع اي شيء طيب و مش قادر يغير
+
+424
+00:46:06,720 --> 00:46:12,880
+القانون ايش المالك بيعمل؟ المالك عشان يحتطف نفسه
+
+425
+00:46:12,880 --> 00:46:20,360
+بيروح بطالب بمقدمعارف الوضع هيك بس هذا بيكون مش
+
+426
+00:46:20,360 --> 00:46:25,200
+قانون بيكون بينه وبين المستاجر بيقول اسمع احنا يا
+
+427
+00:46:25,200 --> 00:46:28,900
+أخويا اللي بتأجر اليوم محدش بيقدر يطلع بيصير مالك
+
+428
+00:46:28,900 --> 00:46:31,840
+وانا والله مانا مستعد بيقوله بيصير في بينهم
+
+429
+00:46:31,840 --> 00:46:35,320
+المستاجر او هو بيطلب او المستاجر بيقلط عليه بيقوله
+
+430
+00:46:35,320 --> 00:46:41,240
+بدفعلك كده من كده و أجرني المحل تأجيرها هذه اذا
+
+431
+00:46:41,240 --> 00:46:47,920
+المالك يطالب بإيجار الان اكتر من سنةممكن اه الان
+
+432
+00:46:47,920 --> 00:46:55,640
+المستأجر برضه لأنه محمي بالقانون حتى لو ماكنش ماخذ
+
+433
+00:46:55,640 --> 00:47:01,120
+منه المالك في الأول عندما يجي يطلع بالمالك عندما
+
+434
+00:47:01,120 --> 00:47:06,660
+يجي يطلع او اذا اذا ما اراد المالك ان يطالب يطالبه
+
+435
+00:47:06,660 --> 00:47:13,410
+بالخروج ويقوله اسمع انا بطلع اذا بدك بس ادفعليإذا
+
+436
+00:47:13,410 --> 00:47:18,550
+مابطلعش تدفعلي مابطلعش لإنه عارف إن القوانين بتعطي
+
+437
+00:47:18,550 --> 00:47:23,030
+حق البقاء و الامتداد القانوني هذه أهم الأسباب
+
+438
+00:47:23,030 --> 00:47:24,570
+المرة القادمة ان شاء الله
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/kWO06h5zjJA_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/kWO06h5zjJA_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..1b9612c9ebbf3e17920040c44aff1b0da215f9da
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/kWO06h5zjJA_raw.srt
@@ -0,0 +1,1432 @@
+1
+00:00:21,480 --> 00:00:24,640
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:24,640 --> 00:00:30,080
+على رسول الله وعلى آله وصحبه ومن احتدى بهده واستنى
+
+3
+00:00:30,080 --> 00:00:34,720
+بسنته إلى يوم الدين وبعد نرحبكم أيها الإخوة الكرام
+
+4
+00:00:34,720 --> 00:00:40,020
+في هذا اللقاء المتجدد على مدار هذا الفصل ان شاء
+
+5
+00:00:40,020 --> 00:00:49,620
+الله وحديثنا اليوم يتواصل في المرابحة المصرفية
+
+6
+00:00:50,690 --> 00:00:54,690
+وكننا في المرة الماضية حيث ابتدأنا الحديث عن
+
+7
+00:00:54,690 --> 00:01:00,350
+المرابحة المصرفية قد مهدنا لذلك بالحديث أولا عن
+
+8
+00:01:00,350 --> 00:01:07,210
+المرابحة العادية أو ما تسمى بالمرابحة القديمةهذه
+
+9
+00:01:07,210 --> 00:01:12,670
+التي تفرعت عنها صورة المرابحة المصرفية أو صورة
+
+10
+00:01:12,670 --> 00:01:18,350
+المرابحة التي تسمى ببيأ المرابحة للآمر بالشراء او
+
+11
+00:01:18,350 --> 00:01:24,880
+المرابحة المركبة او المرابحةمرابحة الوعد .. البيع
+
+12
+00:01:24,880 --> 00:01:29,880
+المواعدة أو إلى غير ذلك هذه هي الجديدة هذه هي
+
+13
+00:01:29,880 --> 00:01:35,120
+المؤاصرة لكن هذه المرابحة المصرفية أو المرابحة
+
+14
+00:01:35,120 --> 00:01:42,970
+المؤاصرة يعني حقيقة لها أصول ولها جذور ولهابيوع
+
+15
+00:01:42,970 --> 00:01:48,790
+مشابهة أو متفرعة عنها وهي بيع المرابحة ولذلك اقتضى
+
+16
+00:01:48,790 --> 00:01:53,630
+الأمر مننا أن نتحدث عن بيع المرابحة يعني بشيء من
+
+17
+00:01:53,630 --> 00:01:58,970
+تفصيل فعرفنا
+
+18
+00:01:58,970 --> 00:02:05,190
+أن بيع المرابحة هو عبارة عن بيعه السلعةبمثل ثمنها
+
+19
+00:02:05,190 --> 00:02:10,870
+الأول مع زيادة لبحن معلومة وعرفنا أن هذا البيع
+
+20
+00:02:10,870 --> 00:02:17,910
+اللي هو بيئ المرابحة هو صورة من صور بيو الأمانة
+
+21
+00:02:17,910 --> 00:02:27,230
+ذلك أن البيع له تقسيمات متعددة من ضمنها تقسيمالبيع
+
+22
+00:02:27,230 --> 00:02:33,330
+باعتبار كيفية تحديد الثمن وأنه ينقسم إلى بيع
+
+23
+00:02:33,330 --> 00:02:39,710
+مساومة أو بيوع مساومة وبيوع أمانة، بيوع المساومة
+
+24
+00:02:39,710 --> 00:02:46,300
+التي لا يعلم فيها المشتري الثمن الأوللكن بيوء
+
+25
+00:02:46,300 --> 00:02:52,780
+الأمانة التي يعلم أو يعلم فيها المشتري الثمن الأول
+
+26
+00:02:52,780 --> 00:02:59,180
+ويتم تحديد الثمن الثاني بناء عليه، أه هذه بيوء
+
+27
+00:02:59,180 --> 00:03:04,300
+الأمانة، سواء بطريق يعني بعد ذلك تم البيع، بيع
+
+28
+00:03:04,300 --> 00:03:11,160
+الأمانة مرابحة، حقيقة، تولية، إشراكةاو استرسالا
+
+29
+00:03:11,160 --> 00:03:15,900
+وهذه هي صور بيوع الأمانة والتي ربما تحدثنا عنها
+
+30
+00:03:15,900 --> 00:03:22,940
+بشيء من التفصيل لكن الذي يهمنا من بين كل هذه الصور
+
+31
+00:03:22,940 --> 00:03:28,400
+هو بيع المرابحة لأن بيع المرابحة المصرفية التي هي
+
+32
+00:03:28,400 --> 00:03:36,700
+مقصودنافي الحديث هو متفرع عنها لكن قد يتساءل
+
+33
+00:03:36,700 --> 00:03:43,360
+متسائل قبل أن نبدأ الحديث في بيع أو عن بيع المرابح
+
+34
+00:03:43,360 --> 00:03:49,800
+المصرفية ماذا عن المرابح العادية بمعنى ما هو حكمها
+
+35
+00:03:49,800 --> 00:03:57,260
+قلنا كذلك تحدثنا بأن المرابح العادية حكمها الجواز
+
+36
+00:03:58,490 --> 00:04:04,590
+بيع المرابح حكمه الجواز مشروعة كسائر أنواع البيع
+
+37
+00:04:04,590 --> 00:04:11,240
+المشروعة، لا إشكال، وأدلة مشروعيتهاقلنا أنها ذات
+
+38
+00:04:11,240 --> 00:04:17,140
+أدلة مشروعية البيع، يعني من الكتاب ومن السنة ومن
+
+39
+00:04:17,140 --> 00:04:21,800
+الإجماع والمعقول وإلى غير ذلك، وأحلى الله البيع
+
+40
+00:04:21,800 --> 00:04:26,320
+وأحرم الربا، إشارة إلى عموم حل البيع، وهذه صورة من
+
+41
+00:04:26,320 --> 00:04:31,120
+صوره، إلا أن تكون تجارة عن تراضٍ منكم
+
+42
+00:04:33,930 --> 00:04:39,550
+العلماء على ذلك وهذا يعتبر دليلا بالمنطق والمعقول
+
+43
+00:04:39,550 --> 00:04:47,430
+والمصلحة لابد ان يكون البيع جائزا وبصوره مختلفة
+
+44
+00:04:47,430 --> 00:04:54,030
+دفعا للحرج عن الناس لأن الناس قد يحتاجون إلى تغيير
+
+45
+00:04:54,030 --> 00:04:58,710
+صورة البيع بحسب طبيعة المبيع وبحسب طبيعة الظرف
+
+46
+00:04:58,710 --> 00:05:03,920
+وبحسب المعطيات الزمان والمكانفإن أشبعتهم على طريقة
+
+47
+00:05:03,920 --> 00:05:09,140
+واحدة، فهذا يسبب حرجا، ثم إن هذا البيع، هذا النوع
+
+48
+00:05:09,140 --> 00:05:13,540
+من أنواع البيوة المرادحة وصورها المتفرعة عن بيوة
+
+49
+00:05:13,540 --> 00:05:18,830
+الأمانة، فعلاه النبي صلى الله عليه وسلمتخصيصا كما
+
+50
+00:05:18,830 --> 00:05:24,950
+فعل في وقت الهجرة كما قلنا مع أبي بكر الصديق رضي
+
+51
+00:05:24,950 --> 00:05:29,670
+الله عنه عندما رفض النبي صلى الله عليه وسلم أن
+
+52
+00:05:29,670 --> 00:05:34,410
+يأخذ البائير الذي يريد أن يهاجر عليه إلا تولية إلا
+
+53
+00:05:34,410 --> 00:05:40,150
+بثمنه يعنيمع إنه كان أبو بكر يعني يرغب في أن يقدمه
+
+54
+00:05:40,150 --> 00:05:44,970
+مجانا لرسول الله صلى الله عليه وسلم، ولكن رسول
+
+55
+00:05:44,970 --> 00:05:48,950
+الله صلى الله عليه وسلم يعني أبقى إلا أن يدفع ثمنه
+
+56
+00:05:48,950 --> 00:05:54,850
+الذي أشتراه به، وهذا هو معنى التولية، يعني شراء
+
+57
+00:05:54,850 --> 00:06:02,880
+السلعة بثمنها الأول دون زيادة ولا ربعإذا بيئة
+
+58
+00:06:02,880 --> 00:06:07,020
+المرابحة وسائر الصور الحقيقة من بيئة الأمانات هي
+
+59
+00:06:07,020 --> 00:06:12,860
+بيئة جائزة والأدلة عليها متوافرة وموجودة
+
+60
+00:06:16,130 --> 00:06:21,770
+أركانها .. أركان هذا البية وشروط هذا البية قلت
+
+61
+00:06:21,770 --> 00:06:28,350
+وأكل وأكرر أنها هي هي أركانه وشروط البية العادى
+
+62
+00:06:28,350 --> 00:06:34,910
+المساومة يعني بمعنى أنه لابد أن يوجد صيغة تدل على
+
+63
+00:06:34,910 --> 00:06:40,930
+التوافق إيجاب وقبول ولابد أن يوجد عاقدين بائع
+
+64
+00:06:40,930 --> 00:06:46,610
+ومشتري ولابد أن يوجد سلع ومعقود عليه مبيئةيتم
+
+65
+00:06:46,610 --> 00:06:51,970
+التعاقد عليه، إذا اختل أي ركن من هذه الأركان، لم
+
+66
+00:06:51,970 --> 00:06:59,090
+يعد هناك بيع، ركن أساسي، ركن أساسي، لا يتصور، ثم
+
+67
+00:06:59,090 --> 00:07:04,290
+إن كل ركن من هذه الأركان، لابد أن تتوفر فيه شروط
+
+68
+00:07:05,430 --> 00:07:09,790
+الصيغة لابد أن تتوفر فيها شروط ليس كل صيغة تدل على
+
+69
+00:07:09,790 --> 00:07:10,310
+البيع
+
+70
+00:07:36,400 --> 00:07:40,900
+هنا هاي إيجاب وقبول، لكن الإيجاب مخالف للقبول، هل
+
+71
+00:07:40,900 --> 00:07:44,300
+يتم البيع؟ لا يتم البيع، إذا هناك شروط الصيغة
+
+72
+00:07:44,300 --> 00:07:49,780
+وشروط العقل دا، إن هو ولد صغير غير بالغ ولا عقل
+
+73
+00:07:49,780 --> 00:07:55,910
+يعني أقامةأو تعاقدة في البيع، هل يصلحوا بيعه؟ لا
+
+74
+00:07:55,910 --> 00:07:59,430
+يصلحوا إلا في المحقرات، كما نرسل الولد الصغير إلى
+
+75
+00:07:59,430 --> 00:08:03,570
+الدكان، يعني يسمى بيع المعاطاة، لا دأسة في ذلك،
+
+76
+00:08:03,570 --> 00:08:07,610
+لكن في أشياء يعني لها وزنها ولها قيمة، ولا يصلحوا
+
+77
+00:08:07,610 --> 00:08:12,650
+الصغير، خاصة إذا كان صبيا غير مميز، وفي المميز
+
+78
+00:08:12,650 --> 00:08:18,170
+خلافه، وهو مبني على أساس إيه؟ إجازة الولي تبعه
+
+79
+00:08:19,260 --> 00:08:23,940
+وهكذا حتى المعقد عليه المادية لابد أن تتوفر كذلك
+
+80
+00:08:23,940 --> 00:08:31,760
+فيه شروط على رأسها يكون معلومة حاضرة موجودة ليس من
+
+81
+00:08:31,760 --> 00:08:37,480
+الربويات إلا إذا كان توفرت فيه شروط يعني الشروط هي
+
+82
+00:08:37,480 --> 00:08:42,800
+هي لكن قلنا تختصوا
+
+83
+00:08:44,590 --> 00:08:51,450
+أو يختصوا بيع المرادحة إضافة إلى كل هذه القواسم
+
+84
+00:08:51,450 --> 00:08:59,450
+المشتركة بينه وبين البيوء العادية بإيش؟ بشروط
+
+85
+00:08:59,450 --> 00:09:05,210
+إضافية بشروط إضافية التي تحدثنا فيها المرة الماضية
+
+86
+00:09:05,210 --> 00:09:12,790
+أيضا في آخر المحاضرة شروط خمسة هذه لا تشترط في
+
+87
+00:09:12,790 --> 00:09:18,520
+البيع العاديلكنها تشترط في بيع المرابحة، على رأسها
+
+88
+00:09:18,520 --> 00:09:24,420
+العلم بالثمن الأول، هذه من أساسيات، من بديهيات بيع
+
+89
+00:09:24,420 --> 00:09:30,520
+المرابحة، لأن إيش بيع المرابحة؟ بيع السلعة بثمنها
+
+90
+00:09:30,520 --> 00:09:34,960
+الأول أو بمثل ثمنها الأول، مع زيادة ربح المعلومة،
+
+91
+00:09:34,960 --> 00:09:39,150
+إذا الثمن الأول لابد أن يكون معلومة ولا لأ؟لابد،
+
+92
+00:09:39,150 --> 00:09:42,490
+short، لكن في بيئة المساومة، البيئة العادى، هل
+
+93
+00:09:42,490 --> 00:09:47,270
+يشترط، هل يشترط في البيئة أن تعرف لصحته أن تعرف
+
+94
+00:09:47,270 --> 00:09:52,810
+ثمنه على صاحبه؟ لا، لا، تشتريه وتتفق فقط على
+
+95
+00:09:52,810 --> 00:09:56,310
+الثمن، لكن هنا يشترط، والسبب في ذلك
+
+96
+00:09:59,690 --> 00:10:06,790
+ماشي لكن لماذا؟ الحكمة السبب في ذلك هو أنه في أن
+
+97
+00:10:06,790 --> 00:10:13,350
+عدم العلم بيسبب عدم العلم بالثمن الأول يسبب عدم
+
+98
+00:10:13,350 --> 00:10:19,010
+العلم بالثمن الثاني يعني يسبب جهالة إذا اختار شرط
+
+99
+00:10:19,010 --> 00:10:25,490
+يا أخوة يعود إلى الشروط على الشروط الأساسية
+
+100
+00:10:25,490 --> 00:10:32,170
+بالبطلانعندما لا يقلم .. عندما لا يقلم الثمن الأول
+
+101
+00:10:32,170 --> 00:10:37,070
+في السلعة، هل نتمكن من تحديد الثمن في البيع
+
+102
+00:10:37,070 --> 00:10:42,150
+الجديد؟ يفعلوا مجهولا، وإذا كان الثمن مجهولا، هم
+
+103
+00:10:42,150 --> 00:10:48,150
+يصحوا البيع؟ وكذلك الحال، لابد من معرفتي أو العلمي
+
+104
+00:10:48,150 --> 00:10:53,850
+بالربح أيضا، وهذا أيضا شرط ليس موجودا في البيوء
+
+105
+00:10:53,850 --> 00:11:00,490
+العاديةهل عندما تشتري قميصا او بنتالا او جهازا هل
+
+106
+00:11:00,490 --> 00:11:05,870
+يشترط لصحة البيع ان تعرف مقدار الربح؟ بل ربما لو
+
+107
+00:11:05,870 --> 00:11:12,650
+سألت التاجرة عن الربح لطردك من المكان و قال لك
+
+108
+00:11:12,650 --> 00:11:13,910
+ماذا تريد مني؟
+
+109
+00:11:16,380 --> 00:11:25,060
+لكن هنا في باقي المرابعة لأنه مبني على زيادة ربح
+
+110
+00:11:25,060 --> 00:11:31,540
+معلومةبيع السلعة بثمانيها الأول مع زيادة ربح
+
+111
+00:11:31,540 --> 00:11:35,960
+المعلومة، إذا لابد أن أعلم ولا مابدأ؟ وليش؟ كمان
+
+112
+00:11:35,960 --> 00:11:41,440
+مرة بقول، و لأن العلم بالربح، أسف، عدم العلم
+
+113
+00:11:41,440 --> 00:11:47,490
+بالربح يؤدي إلى الجهالة في مجمل الثماني أيضًالأن
+
+114
+00:11:47,490 --> 00:11:55,910
+الربح هذا هو جزء أصبح جزء من ثمن السلع، مش الربح
+
+115
+00:11:55,910 --> 00:11:59,550
+زاد رأس المال هو اللي صار الثمن، طب إذا كان الربح
+
+116
+00:11:59,550 --> 00:12:05,750
+مجهولا، أليس الثمن أصبح مجهولا معاه ولا لأ؟ هو
+
+117
+00:12:05,750 --> 00:12:10,310
+مجهولامش عارفين؟ وإن كنتوا أعلموا الثمن الأول،
+
+118
+00:12:10,310 --> 00:12:13,770
+خمسمية، لكن الربح مش عارفه، عشرة ولا مية ولا
+
+119
+00:12:13,770 --> 00:12:23,730
+ميتين، إذن ولمّا كان الثمن من مجمل الربح والثمن
+
+120
+00:12:23,730 --> 00:12:31,920
+الأولوكان هناك جهالة او عدم علم بالربح صار طبيعيا
+
+121
+00:12:31,920 --> 00:12:36,960
+ان لا يكون هذا صحيحا الباية يكون فاسدا بسبب يعني
+
+122
+00:12:36,960 --> 00:12:42,920
+هذه دعنية يا اخوة تفهموا شغلة ان هذه الشروط انما
+
+123
+00:12:42,920 --> 00:12:50,180
+تفسد عقد المرابحة لانها تقود على الشروط الأساسية
+
+124
+00:12:50,180 --> 00:12:57,630
+بالإفساد في الحقيقةيعني هي لا تفسدوا العقدة
+
+125
+00:12:57,630 --> 00:13:03,130
+لذاتها، لأنها لو تفسدوا العقدة لذاتها، لأفسدتوا
+
+126
+00:13:03,130 --> 00:13:09,630
+عقدة المساومة، ولكنها تفسدوا عقدة المرادحة، لأن كل
+
+127
+00:13:09,630 --> 00:13:15,090
+شرط من هذه الشروط يسببوا أو يعودوا بالفساد أو
+
+128
+00:13:15,090 --> 00:13:26,240
+بالخلل إلى شرط من الشروط البيع عموماكالعلم بالثمن،
+
+129
+00:13:26,240 --> 00:13:29,620
+العلم بالثمن شرط مش و بطل بيعلمه، لما كان العلم
+
+130
+00:13:29,620 --> 00:13:33,960
+عدم العلم بالثمن الأول يسبب و عدم العلم بالثمن
+
+131
+00:13:33,960 --> 00:13:38,680
+كله، صار ذلك شرطا، لما كان عدم الربح يسبب و عدم
+
+132
+00:13:38,680 --> 00:13:42,280
+العلم بالثمن الأول، صار ذلك شرطا، نعم
+
+133
+00:13:45,540 --> 00:13:49,740
+هذه مسألة خلاف بين العلماء وكثير منهم على أن
+
+134
+00:13:49,740 --> 00:13:55,720
+الفاسد والباطل على يعني شيء واحد ومنهم انفرق، لسنا
+
+135
+00:13:55,720 --> 00:14:00,560
+في معرض هنا التفريق الشرط الثالث، إذا هي شرطين،
+
+136
+00:14:00,560 --> 00:14:05,820
+الشرط الثالث أن الشرط
+
+137
+00:14:05,820 --> 00:14:09,540
+يمكن أن يصلح هو العام الصلباني أحسن جمهور هذا المن
+
+138
+00:14:09,540 --> 00:14:15,510
+قال بالتفريقذاكر ما ذكرت، من قال بالتفريق بين
+
+139
+00:14:15,510 --> 00:14:21,510
+الفاسد والباطل، قال بأن الباطل يعني لا يمكن أصلحه،
+
+140
+00:14:21,510 --> 00:14:28,030
+خلاص، لو عدلتش، ما عدلت، عدي عليه، لكن الفاسد اختل
+
+141
+00:14:28,030 --> 00:14:32,930
+الشرطوأمكن اصطحاح الشرط أو استدراكه لا داعي إلى
+
+142
+00:14:32,930 --> 00:14:37,930
+إعادة العقد من جديد لكن كثير من العلماء لم يفرقوا
+
+143
+00:14:37,930 --> 00:14:42,230
+بين فاسد وبين باطل وقالوا انه خلاص يفسد او يبطل
+
+144
+00:14:42,230 --> 00:14:47,330
+بمعنى واحد والأمر يحتاج إلى إعادة العقد من جديد
+
+145
+00:14:47,330 --> 00:15:00,900
+الشرط الثالث اللي ذكرناهان يكون الثمن الأول مثليا
+
+146
+00:15:00,900 --> 00:15:08,120
+بمعنى ايش ان يكون ثمن ما هو يا اخو اخلي بالك انا
+
+147
+00:15:08,120 --> 00:15:11,100
+في بيئة المرابح لما انا بدي ابيع شغلة انا قبل هيك
+
+148
+00:15:11,100 --> 00:15:17,880
+اشتريتها مش هيك لازم اكون عندما اشتريت الشغلة اللي
+
+149
+00:15:17,880 --> 00:15:24,990
+بدي ابيعها مرابحهاأكون اشتريتها بمال مثلي، يعني
+
+150
+00:15:24,990 --> 00:15:34,790
+بمال منضبط، يعني بمال يمكن أعده أو كيله أو وزنهأما
+
+151
+00:15:34,790 --> 00:15:42,430
+إذا اشتريتها بمال لا يمكن قيميا، ليس مثليا،
+
+152
+00:15:42,430 --> 00:15:47,030
+تقديريا، وهذا جائز في الأصل، لا يمكن أعده، يعني
+
+153
+00:15:47,030 --> 00:15:55,390
+بكومة كما قلت، شريت الكمبيوتر هذا بكومة من القمح،
+
+154
+00:15:55,390 --> 00:16:01,870
+في عد ذاتي هذا جائز، اشتريته بخروفين
+
+155
+00:16:04,840 --> 00:16:09,720
+الان هل بقدر بعد هيك ابيع الكمبيوتر مرابحة؟ بدك
+
+156
+00:16:09,720 --> 00:16:14,120
+تبيعه مرابحة؟ بدك خروفين زائد؟ الربح؟ طب ايه؟
+
+157
+00:16:14,120 --> 00:16:17,680
+الخروفين مش عارف جداش وزنهم ان كل الخراف زي بعض
+
+158
+00:16:17,680 --> 00:16:23,520
+مصطرق؟ اذا ليس مثليا بيعته بكومة من القمح لا تعرف
+
+159
+00:16:23,520 --> 00:16:28,460
+وزنها ولا كيلها طب يمكن تكون 100 كيلو او 110 او
+
+160
+00:16:28,460 --> 00:16:33,340
+120 انت في البيع الأول تقديريا ماشي لكن في البيع
+
+161
+00:16:33,340 --> 00:16:41,300
+الثانيلأ لأ، إذا كان من غير جنسه، لم تعد أحكام
+
+162
+00:16:41,300 --> 00:16:45,840
+الربويات هنا، هذا في الشرطة اللي بعده، أه، أه، إذا
+
+163
+00:16:45,840 --> 00:16:51,060
+لابد أن يكون هو في الأصل يا إخوة، برضه هذا الشرط
+
+164
+00:16:51,060 --> 00:16:55,320
+خاص بالمرابحة، لأنه في الأصل لا يُشترط، لا يُشترط
+
+165
+00:16:55,320 --> 00:17:01,160
+يا إخوة في البلوغ أن يكون ثمنه مثليًاانت في الأصل
+
+166
+00:17:01,160 --> 00:17:04,740
+إلا في بيئة المرابحة خلّي بيركوا، بدي تنتبهوا
+
+167
+00:17:04,740 --> 00:17:08,960
+للشغل هذه جيدا يعني أنا بقدر أبيع زي ما قلتلكوا
+
+168
+00:17:08,960 --> 00:17:16,540
+الكمبيوتر بخرفين، الكمبيوتر بشرين طاولة، مقايضة،
+
+169
+00:17:16,540 --> 00:17:21,520
+زي بيئة المقايضة، مش بيئة المقايضة جائز يعني مش
+
+170
+00:17:21,520 --> 00:17:26,540
+بضرورة أبيع item بالدنانير ودولارات وشواكل أو بشيء
+
+171
+00:17:26,540 --> 00:17:34,280
+مكين حتى أو موزونيمكن أن يكون بشيء مقدر قيمي يعني
+
+172
+00:17:34,280 --> 00:17:39,020
+احنا مش بننزل على السوق بنشتري في الضحايا مثلا
+
+173
+00:17:39,020 --> 00:17:42,720
+الخروف بدون وزن ولا كيل ممكن ما يطلع في واحد
+
+174
+00:17:42,720 --> 00:17:45,420
+بيجدره خمسين كيلو في واحد بيجدره خمسة و خمسين في
+
+175
+00:17:45,420 --> 00:17:49,060
+واحد بيجدره ستين وبقول مش مشكلة خلاص احنا شارناه
+
+176
+00:17:49,060 --> 00:17:55,760
+شارناه اذا لا يشترط يا اخوة في الثمن وممكن هذا
+
+177
+00:17:55,760 --> 00:18:03,790
+الواحد يبدل خرفين بعجلبمشي ولا بمشيش؟ بمشي لكن بعد
+
+178
+00:18:03,790 --> 00:18:09,270
+هيك اللي بمشيش أنه أبيع الخروفين اللي بدلتنا بعجل
+
+179
+00:18:09,270 --> 00:18:14,270
+بطريق المرابحة لأن هذا العجل اللي أخدته ثمنا
+
+180
+00:18:14,270 --> 00:18:19,510
+الخروفين ليس مثليا إلا إذا كان وزونا اليوم صار
+
+181
+00:18:19,510 --> 00:18:26,330
+بيعه بالوزن لكن زمان أو إن لم تشتريه وزنا حتى
+
+182
+00:18:26,330 --> 00:18:34,080
+اليوم ممكن لا تشتري وزنامش مرابحة، مش مرابحة، مش
+
+183
+00:18:34,080 --> 00:18:39,420
+مرابحة، مش مرابحة، مش مرابحة، مش مرابحة، مش
+
+184
+00:18:39,420 --> 00:18:42,520
+مرابحة،
+
+185
+00:18:42,520 --> 00:18:49,160
+مش مرابحة، مش مرابحةهذه شروط ليست شروطا عامة في
+
+186
+00:18:49,160 --> 00:18:52,640
+المبيع، أنا مابديش تختلط الأمور، لأنه أحيانا يصير
+
+187
+00:18:52,640 --> 00:18:55,980
+يجرى الواحد بيقولك كيف، وهو بيفكر أن هذه متعلقة
+
+188
+00:18:55,980 --> 00:19:00,180
+بالبيع العادي، لأ يا أخوة، هذه ليست متعلقة بالبيع
+
+189
+00:19:00,180 --> 00:19:04,740
+العادي وليست شروطا فيه، وإنما هي شروط كما قلت
+
+190
+00:19:04,740 --> 00:19:12,790
+إضافية أو خاصة ببيع المراتحةلا لذاتها، ولكن لأنها
+
+191
+00:19:12,790 --> 00:19:18,670
+تعود بالفساد أو الإبطال على أحد الشروط المتفق
+
+192
+00:19:18,670 --> 00:19:23,210
+عليها في البيع هذه
+
+193
+00:19:23,210 --> 00:19:29,010
+سببت جهالة برضه، بتسبب جهالة في الثمن، أنا مش
+
+194
+00:19:29,010 --> 00:19:35,110
+عارف، بتقوله بتبيعك مرابحة؟بكى، بيش عليك، جال عليّ
+
+195
+00:19:35,110 --> 00:19:39,070
+بكومة من القمح، فبجدّيش وزنها والله أنا مش عارف،
+
+196
+00:19:39,070 --> 00:19:46,450
+ومن فأق، طب الكومة ممكن تكون مائت كيلو، ممكن تكون
+
+197
+00:19:46,450 --> 00:19:50,350
+متين كيلو، ممكن تكون خمسمائة كيلو، إذاً في جنالة،
+
+198
+00:19:50,350 --> 00:19:56,880
+ومن هنا لأ، بتبقى شغلتك؟بيع عادي في الحالة هذه
+
+199
+00:19:56,880 --> 00:20:02,160
+يعني بيع عادي مساوى وليس بيع عمانة لأنه انت لما
+
+200
+00:20:02,160 --> 00:20:09,640
+شريت ماشريتش بثمن مثلي الشرط
+
+201
+00:20:09,640 --> 00:20:21,080
+الرابع هو ان لا يكون المبيع مقابلا بجنسه من
+
+202
+00:20:21,080 --> 00:20:27,790
+الربوياتاللي يكون المبيع مقابلًا بجنسه، يعني الآن
+
+203
+00:20:27,790 --> 00:20:32,710
+يا أخوة، الربويات، الأموال الربوية تباع و تشترى
+
+204
+00:20:32,710 --> 00:20:37,990
+ولا لأ؟ تباع و تشترى، لكن وفق شروط معينة، تباع و
+
+205
+00:20:37,990 --> 00:20:43,190
+تشترى، يعني أنا بقدر، قلت الكلام هذا و بكرره، بقدر
+
+206
+00:20:43,190 --> 00:20:49,090
+أبيع خمسة كيلو تمربلدي بخمسة كيلو تمر مصري، بقدر،
+
+207
+00:20:49,090 --> 00:20:56,110
+بقدر، خمسة بخمسة، مادام في تماثل وتنجيز وفورية،
+
+208
+00:20:56,110 --> 00:21:00,210
+لكن ماقدرش إذا كان ثمة تفاضل، ماقدرش أبيع خمسة
+
+209
+00:21:00,210 --> 00:21:07,550
+بستة، أصل البيع في الربويات مسموح، ولكن بشروط،
+
+210
+00:21:07,550 --> 00:21:13,910
+بشروط أدم التفاضل وأدم التأخير في التسليم، نعم
+
+211
+00:21:26,660 --> 00:21:31,360
+يعني شوف لما يكون في نفس الوزن قد يتم التغاضي
+
+212
+00:21:31,360 --> 00:21:36,700
+أحيانا على حاجات بسيطة لكن .. لكن المشكلة وين؟
+
+213
+00:21:36,700 --> 00:21:41,240
+المشكلة لما يكون يتبين إن كمان هذا 110 كيلو أو هذا
+
+214
+00:21:41,240 --> 00:21:47,750
+60 و هذا 50أه نعم في فرق في الواقع لما يكون هذا
+
+215
+00:21:47,750 --> 00:21:52,490
+خمسين و هذا ستين بيكون الخلل واضح و البيع مش صحيح
+
+216
+00:21:52,490 --> 00:21:59,550
+ربع احنا خلينا في الصحيح احنا الآن انا شريت ميد
+
+217
+00:21:59,550 --> 00:22:07,790
+كرتونة تمر ادمية تمر من نوع ثاني جاهز ولا مش جاهز
+
+218
+00:22:07,790 --> 00:22:17,440
+جاهز الان بدى بيعها مرابحةبنفع، مش هينفع، ليش؟ لأن
+
+219
+00:22:17,440 --> 00:22:22,040
+بيع المرابحة هذا سيقتضي وقوه أو سيودي إلى وقوه في
+
+220
+00:22:22,040 --> 00:22:26,580
+الربا، لأنني هبيعها المية هذه اللي أخدتها بمية
+
+221
+00:22:26,580 --> 00:22:33,060
+وعشرة كرتونة، مظبوط؟ مش بيع المرابحة، يقتضي أن
+
+222
+00:22:33,060 --> 00:22:39,640
+تبيع بمثل الثمن الأول وزيادة، إذا أنت بيعت ربوي،
+
+223
+00:22:39,640 --> 00:22:46,960
+بيباوي بزيادة في المرابحةولذلك تعتبر غلط، بدك
+
+224
+00:22:46,960 --> 00:22:52,660
+تبيع، كمان مرة بنقولك مش ممنوع اللي شارته من أنواع
+
+225
+00:22:52,660 --> 00:23:00,660
+الربويات بجنسه ممثلة وتنجيزا
+
+226
+00:23:00,660 --> 00:23:06,180
+وكان صحيح، بدك تبيعه، بيعه، بس مش مرابحة، لما بدلت
+
+227
+00:23:06,180 --> 00:23:09,360
+المية كرتونة بمية كرتونة، المية التانية بتبيعها
+
+228
+00:23:09,360 --> 00:23:15,320
+بالمصاريبتبيعها مش .. مش مرابحة بتبيعها مساومة أما
+
+229
+00:23:15,320 --> 00:23:19,920
+مرابحة بده يؤدي لوقوعك في الربة لإنك هتبيع مية
+
+230
+00:23:19,920 --> 00:23:24,800
+كرتونة بمية من التمر لإن مش تمانها الأول مية
+
+231
+00:23:24,800 --> 00:23:28,740
+كرتونة تمر صرت فيها مية بمية وزيادة كمان في الأول
+
+232
+00:23:28,740 --> 00:23:31,900
+قلنالك معلش لإنه بدون زيادة لكن في المرابحة تعني
+
+233
+00:23:31,900 --> 00:23:37,940
+زيادة اه مش عارف كأنه مافي مضوح مش فاهمينها
+
+234
+00:23:45,460 --> 00:23:54,400
+أما هيك مبادلة النوع بنوعه أو الجنس بجنسه بزيادة
+
+235
+00:23:54,400 --> 00:24:01,670
+ممنوع انت خلاصهيك ممنوع ويلها أثار سلبية يعني
+
+236
+00:24:01,670 --> 00:24:05,710
+حقيقة أقولك تمر بتمر وهذه من الأساسيات فيه معاني
+
+237
+00:24:05,710 --> 00:24:10,110
+وحكم لكن بيعها بغير جنسها مسموح لك يا عم بيعها
+
+238
+00:24:10,110 --> 00:24:14,190
+بشعير بيعها بقمح بيعها بجراهم بيعها بتنانير ماعليش
+
+239
+00:24:14,190 --> 00:24:18,990
+عشان هيك احنا برضه في الذهب، ذهب بذهب، بدك تبيع؟
+
+240
+00:24:20,270 --> 00:24:24,410
+متوازن، متقدرة تبيع يعني شوية حلوقة على خواتم
+
+241
+00:24:24,410 --> 00:24:30,570
+مقابل سوارة، وزن بوزن جائز، لكن إذا كان من نفس
+
+242
+00:24:30,570 --> 00:24:36,610
+الذهب ولا نفس ديارة، لكن إذا كان بيعت يعني شوية
+
+243
+00:24:36,610 --> 00:24:41,270
+حلوقة اللي وزن 30 جرام بسوارة جديدة 25 جرام،
+
+244
+00:24:41,270 --> 00:24:46,070
+مابصحشلأنه جاعت في إيش؟ في الربة، في الزيادة، طب
+
+245
+00:24:46,070 --> 00:24:49,330
+إيش العمل يا جماعة؟ ممنوع أبيع الذهب؟ لأ مش ممنوع،
+
+246
+00:24:49,330 --> 00:24:53,510
+هدول يبيعون دنانير أو شواكل، وبعدين اشتري سوارة زي
+
+247
+00:24:53,510 --> 00:24:58,190
+ما بدك أو ما تشتريش انت حر، هيك الصح، وإن كان
+
+248
+00:24:58,190 --> 00:25:03,170
+البعض بدأ يعني سهل في هذا العمر، لكن هي الأساس، لا
+
+249
+00:25:03,170 --> 00:25:08,790
+تبيعوا الذهبة بالذهبإلا مثلًا بمثل، هيك النبي
+
+250
+00:25:08,790 --> 00:25:11,810
+بيقول صلى الله عليه وسلم، لا الذهب بالذهب ولا
+
+251
+00:25:11,810 --> 00:25:17,370
+الفضة بالفضة، لإن الربويات السد وما يتبعها لانبيعه
+
+252
+00:25:17,370 --> 00:25:23,190
+هذه بمثل، إلا مثلًا بمثل، بيه، يعني البيع صحيح،
+
+253
+00:25:23,190 --> 00:25:27,730
+لكن متى لا يكون صحيحًا عند التفاضل، في بيئة
+
+254
+00:25:27,730 --> 00:25:32,050
+المرابعة يترتب التفاضل، فلذلك لا يكون صحيحًا، هي
+
+255
+00:25:32,050 --> 00:25:37,050
+الشرط الأخيرأما الشرط .. هي الشرط الرابع أما الشرط
+
+256
+00:25:37,050 --> 00:25:44,330
+الأخير فلابد أن يكون العقد صحيحا لابد أن يكون
+
+257
+00:25:44,330 --> 00:25:48,510
+العقد الأول آسف يعني الأول .. الأولاني ولحظة في كل
+
+258
+00:25:48,510 --> 00:25:53,270
+الشروط في نوع من تركيز على الرد بين العقد المرابحة
+
+259
+00:25:53,270 --> 00:25:59,050
+جديد وعقد الأول .. اه فإن كان العقد الأول اللي أنا
+
+260
+00:25:59,050 --> 00:26:04,740
+شريت فيه السلعةلما أنا شريت الكمبيوتر هذا قبل ما
+
+261
+00:26:04,740 --> 00:26:10,180
+ببيعه مرابحة شريته ب .. و .. و هناك شروط مختلفة
+
+262
+00:26:10,180 --> 00:26:16,060
+يعني ال .. البيع ماكنش صحيح شريته من غير مالكه
+
+263
+00:26:16,060 --> 00:26:23,960
+شراه ولد صغير و بعدين جاي أبيعه مرقملا يجب أن يكون
+
+264
+00:26:23,960 --> 00:26:29,580
+البيع الأول الذي بني عليه بين البيع والمرابحة أن
+
+265
+00:26:29,580 --> 00:26:34,860
+يكون مكتمل الأركان والشروط يعني أن يكون وفق قد تم
+
+266
+00:26:34,860 --> 00:26:41,760
+وفق عقد صحيح مافيش فيه خلل، مايكونش مسروق، مايكونش
+
+267
+00:26:41,760 --> 00:26:47,800
+كذا، مايكونش بعقد فاسد أو باطل أو بسبب خلل من ..
+
+268
+00:26:49,160 --> 00:26:53,300
+هذا كله انا حكيناه بس انا حبيت ارجعله لانه يعني
+
+269
+00:26:53,300 --> 00:26:58,400
+فيه شوية حساسية و ارجو ان تكون يعني قد طبحت الأمور
+
+270
+00:26:58,400 --> 00:27:05,560
+الآن بعد هذه الشروط بالفعل يا اخوة احنا يمكن من
+
+271
+00:27:05,560 --> 00:27:09,720
+بداية حديثنا عن المرابحة و لازال الحديث في
+
+272
+00:27:09,720 --> 00:27:13,800
+المرابحة العادية ربما هناك
+
+273
+00:27:35,870 --> 00:27:42,280
+ممكن، كل ممكن يكونوا مستخدمينممكن، يعني احنا بنقول
+
+274
+00:27:42,280 --> 00:27:46,280
+هذا بيبقى المرابحة بيبقى أمانة، يعني بيش عليك يا
+
+275
+00:27:46,280 --> 00:27:52,200
+تاجر؟ عليك، يا بخمسين، خلاص وعلى ذلك تمت، الآن ألا
+
+276
+00:27:52,200 --> 00:27:57,000
+يمكن أن يكون كذابا فتكون عليه بخمسين بل باربعين أو
+
+277
+00:27:57,000 --> 00:28:02,100
+بثلاثين، فهل علجت الشريعة الإسلامية مثل هذه
+
+278
+00:28:02,100 --> 00:28:08,690
+القضية؟ نعم أيها الأخوة، نعمالان عن شو؟ الان عن
+
+279
+00:28:08,690 --> 00:28:13,090
+شو؟ هاي الحكم ..الان ..الان هنقول إذا ظهرت الخيانة
+
+280
+00:28:13,090 --> 00:28:17,250
+في المرابح العادية ما الحكم؟ احنا شهرين بعد أسبوع
+
+281
+00:28:17,250 --> 00:28:24,650
+تبين إنه هذا البياع كذاب البعيد اللي جلب خمسين
+
+282
+00:28:24,650 --> 00:28:28,910
+دينار طلع عليه بعد ما اتفحصت أو روحت سألت أو روحت
+
+283
+00:28:28,910 --> 00:28:32,250
+سألت التاجر الأولاني اللي هو شر منه بشكل أو باخر
+
+284
+00:28:32,250 --> 00:28:35,570
+بتفهم زي ما بقول أرض مجدسة كل شي بيبين
+
+285
+00:28:38,110 --> 00:28:43,990
+اللي هو الكذاب ماشتريها باربعين يعني هو جالبك تربح
+
+286
+00:28:43,990 --> 00:28:48,390
+خمس دلانير منك فالعرب حان خمس أعشر دينار طب انا
+
+287
+00:28:48,390 --> 00:28:53,110
+انا يعني اشتريت شطارته بخمس دلانير مش بخمس أعشر
+
+288
+00:28:53,110 --> 00:29:02,530
+دينار اذا في غش في خداع في خيانة طيب او او ممكن يا
+
+289
+00:29:02,530 --> 00:29:07,190
+اخو احيانا طريقة الخيانة تختلفيعني الخيانة يا إخوة
+
+290
+00:29:07,190 --> 00:29:13,910
+إما أن تظهر في قدر الثمن زي ما قلنا الآن بدل ما هو
+
+291
+00:29:13,910 --> 00:29:18,930
+بخمسين طلع باربعين وهذه خيانة صريحة دعني أسميها
+
+292
+00:29:18,930 --> 00:29:26,690
+وهناك خيانة دعني أسميها يعني نعمة كنائية تدليس غير
+
+293
+00:29:26,690 --> 00:29:35,460
+واضحة إيش؟ كيف؟ قالك أه أحيانا يا إخوةبيصير بين
+
+294
+00:29:35,460 --> 00:29:42,020
+التجار .. بين التجار .. في بينهم ديون و تاجر بيفلس
+
+295
+00:29:42,020 --> 00:29:47,460
+و عليه دين او يعني بيضعف .. تضعف جوته والاخر بده
+
+296
+00:29:47,460 --> 00:29:52,760
+مصاري .. بده مصاري منه ماوش مصاري فبيجي بيقوله
+
+297
+00:29:52,760 --> 00:29:57,340
+التاجر المفلس او الضعف مش قادر يسدد او بدوش يسدد
+
+298
+00:29:57,340 --> 00:30:01,820
+بيقوله قبل الحجر لسه مصاري ماوصلناش مرحلة الحجر
+
+299
+00:30:03,060 --> 00:30:08,720
+بقول له اسمع انا ماعيش مصاري طب انا بدي مصارية قال
+
+300
+00:30:08,720 --> 00:30:13,920
+له اسمع بدك مصاريك انا عند بضاعة تمام عند بضاعة
+
+301
+00:30:13,920 --> 00:30:19,640
+هاي البضاعة و البضاعة هاي سعرها هو اللي بقدر
+
+302
+00:30:19,640 --> 00:30:26,320
+السعرها كمان هذه البضاعة الجطعة كذا او هذه حاجة
+
+303
+00:30:26,320 --> 00:30:31,190
+كذايمكن تكون أغلى من ما شراها هداك الشخص اللي له
+
+304
+00:30:31,190 --> 00:30:38,490
+دين يقولك ماشي هات أحسن من بلاش، بده خمس، واضح،
+
+305
+00:30:38,490 --> 00:30:45,090
+إذا أنا أخدت الآن إبضاعة، شريت إبضاعة تسديد ديون،
+
+306
+00:30:45,090 --> 00:30:50,250
+تسديد ديون، الإبضاعة هذه تسديد ديون بألف دينار، زي
+
+307
+00:30:50,250 --> 00:30:55,970
+ما حكي أخونا مثلا، و هي حقيقتها ما بتسواش سبعميةفي
+
+308
+00:30:55,970 --> 00:31:00,750
+السوق لكن انا رضيت لأن انا بدي اخلص هو لو أطالي
+
+309
+00:31:00,750 --> 00:31:04,810
+700 دينار دنانير لا رضيت بدل الألف لكن أول مرة
+
+310
+00:31:04,810 --> 00:31:10,750
+أطالي بضاعة تسوء 700 بدل الألف انا الآن روحت بيه
+
+311
+00:31:10,750 --> 00:31:18,630
+مرابحة والله هدول عليهم ألف الصورة
+
+312
+00:31:18,630 --> 00:31:23,650
+الظاهرة انها صحيح كلامه لكن في تدليس ولا فشي
+
+313
+00:31:23,650 --> 00:31:29,670
+شايفينيعني ماذاكرش صفة البيئة، هدولة يعني ألف
+
+314
+00:31:29,670 --> 00:31:33,370
+دينار يعني ناجدي؟ أنت دفعت ألف دينار؟ هو لم يخبر
+
+315
+00:31:33,370 --> 00:31:37,910
+البقى المشتري بشيء مما حدث، لم يخبره أن هذه
+
+316
+00:31:37,910 --> 00:31:45,190
+البضاعة كانت بدل داين، فكان ذلك نوع خيانةنوعه
+
+317
+00:31:45,190 --> 00:31:51,530
+خيانة لا في قدر الثمن ولكن في صفته في صفة البيع في
+
+318
+00:31:51,530 --> 00:31:56,590
+الصفة ان هذه كانت مش مدنانية زي ما قلت انت تسديد
+
+319
+00:31:56,590 --> 00:32:03,750
+ديون تسديد ديون ففي هذه الحالة البيع بالمرابحة
+
+320
+00:32:03,750 --> 00:32:11,670
+خداع فلو تميد البائعالمشيري انه هيك تمت العملية
+
+321
+00:32:11,670 --> 00:32:17,330
+معناته هو انخدع ولا ماانخدعش انخدع ففي هذه الحالة
+
+322
+00:32:17,330 --> 00:32:26,050
+الشريعة تنصفه وتقولله أنت بالخيار ان قبلت تممنا
+
+323
+00:32:26,050 --> 00:32:37,510
+الأمر ولك الحق في رد المبيع لك الخيار رجع للضاعف
+
+324
+00:32:38,070 --> 00:32:42,670
+بدك تقبل حر تقبل بالغبن هذا و بالخداع و بالغش
+
+325
+00:32:42,670 --> 00:32:47,570
+ماعليش واحد يقول يا سيد الله يطرح للمغلوب البركة
+
+326
+00:32:47,570 --> 00:32:52,430
+الله يسامحه ولا لا يسامحه مرات بيقول و بيقولك يلا
+
+327
+00:32:52,430 --> 00:32:57,190
+ماشي اه طبعا المدة متا اكتشفت الخطأ اذا اكتشفت
+
+328
+00:32:57,190 --> 00:33:02,550
+الخطأ و بعدين سكت عنه خلاص انت راضيتأما إذا اكتشفت
+
+329
+00:33:02,550 --> 00:33:07,550
+الخطأ الأصل إن بمجرد إنه اكتشاف الخطأ أن تذهب
+
+330
+00:33:07,550 --> 00:33:13,010
+للبائع أو للقاضي أو للمحكم وتخبره بالأمر ويكون لك
+
+331
+00:33:13,010 --> 00:33:18,410
+الخيار لكن انت تبين لك الأمر وبعدين قلت يا شيخ
+
+332
+00:33:18,410 --> 00:33:23,870
+وبعد سبوع كمان الواحد يقولك يا راجل انت مجنون انت
+
+333
+00:33:23,870 --> 00:33:32,000
+هبل مانفعش اه لا صح انت قبلت خلاصإذن هذا إذا كان
+
+334
+00:33:32,000 --> 00:33:39,080
+في صفة البيت، أما إذا كان في قدر الثمن، المسألة
+
+335
+00:33:39,080 --> 00:33:46,220
+أخطر، يعني إذا كان في الصفة وكان له حق الخيار،
+
+336
+00:33:46,220 --> 00:33:51,140
+طبعا من داب أولى إذا كان الغش و الغداع صريح، كذب
+
+337
+00:33:51,140 --> 00:33:58,610
+صريح، مش كذب ملفلفكذب صريح عليه بخمسين او عليه
+
+338
+00:33:58,610 --> 00:34:03,150
+باربعين وقال له بخمسين عليا ويمكن حلف على القرآن
+
+339
+00:34:03,150 --> 00:34:12,410
+كمان في هذه الحالة مش بس إله حق الخيار هناك يعني
+
+340
+00:34:12,410 --> 00:34:17,150
+إما أن تختار وإما أن تقبل وإما أن ترد هنا
+
+341
+00:34:19,200 --> 00:34:23,460
+الحنافية قالوا لم يفرقوا قالوا إما أن تختار وإما
+
+342
+00:34:23,460 --> 00:34:30,300
+أن ترد لكن جمهور العلماء قالوا في خيار ثالث إيش
+
+343
+00:34:30,300 --> 00:34:38,020
+هو؟ هو أن تاخد الفرق من بين عينيه الفرق هذا أنا
+
+344
+00:34:38,020 --> 00:34:45,510
+بديه وانا اتفقنا على أنه خمس تنانير مربحمعناته ال
+
+345
+00:34:45,510 --> 00:34:50,090
+10 دنانير في كل قطعة او في كل جهاز بدخل تجيب ليهم
+
+346
+00:34:50,090 --> 00:34:55,550
+ومابديش ارجع يقولوا لأ مابديش لأ انا من حقها دلوقت
+
+347
+00:34:55,550 --> 00:35:00,950
+تم البيع تقريبا له عشان يجذب مايجذبش مرة تانية
+
+348
+00:35:00,950 --> 00:35:07,830
+طبعا وإذا كان بدى يرجع طبعا من باب او لاأه في
+
+349
+00:35:07,830 --> 00:35:10,650
+القدر، احنا في الصفر، مافيش إلا خيارين، باتفاق،
+
+350
+00:35:10,650 --> 00:35:14,530
+مافيش إلا إيش، إما أن تأخذ أو ترد، لكن إذا كانت
+
+351
+00:35:14,530 --> 00:35:19,170
+الخيانة ظهرت في قدر الثمن، فجمهور العلماء المثلا
+
+352
+00:35:19,170 --> 00:35:23,750
+فيها شوية خلاف، لكن الجمهور على أن لك خيار ثالث
+
+353
+00:35:23,750 --> 00:35:29,410
+متعلق بإيش؟ بأن لك الحق في أخذ الفرق، لك الحق في
+
+354
+00:35:29,410 --> 00:35:37,440
+أخذ الفرقفهذا بالنسبة يا اخوة و هناك يعني بعض
+
+355
+00:35:37,440 --> 00:35:41,660
+التفاصيلات لا داعي لها لكن هذا مجمل الحكم في هذه
+
+356
+00:35:41,660 --> 00:35:47,500
+المسألة فيما يتعلق الكلام بإيش المرابحة العادية
+
+357
+00:35:47,500 --> 00:35:52,680
+ماذا عن المرابحة المصرفية وما الفرق بين المرابحة
+
+358
+00:35:52,680 --> 00:35:57,500
+العادية و المرابحة المصرفية المحاضرة الجاية
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ojo4p-YiX7c.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ojo4p-YiX7c.srt
new file mode 100644
index 0000000000000000000000000000000000000000..f93198e1cddc575eea17acb3bac029d604605c09
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ojo4p-YiX7c.srt
@@ -0,0 +1,1349 @@
+1
+00:00:21,280 --> 00:00:24,560
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:24,560 --> 00:00:28,600
+على رسول الله وعلى آله وصحبه ومن اهتدى بهديه واستنى
+
+3
+00:00:28,600 --> 00:00:35,980
+بسنته إلى يوم الدين. وبعد، نواصل حديثنا حول الحقوق
+
+4
+00:00:35,980 --> 00:00:43,800
+المعنوية، وكنا قد عرفنا في المرة الماضية أن الحقوق
+
+5
+00:00:43,800 --> 00:00:51,130
+المعنوية هي نوع من أنواع الحقوق بشكل عام، وهي أحد
+
+6
+00:00:51,130 --> 00:00:56,570
+أنواع الحقوق المالية على وجه الخصوص. ذلك أن الحقوق
+
+7
+00:00:56,570 --> 00:01:02,170
+كما تعرفنا عليها في المرة الماضية، ولو من وجهة نظر
+
+8
+00:01:02,170 --> 00:01:09,110
+القانونيين على الأقل، أن منها حقوق دولية وحقوق غير
+
+9
+00:01:09,110 --> 00:01:13,910
+دولية. الحقوق الدولية التي تتعلق بعلاقة الدولة
+
+10
+00:01:13,910 --> 00:01:22,030
+بغيرها من الدول، من حيث حقها في سيادتها على أرضها
+
+11
+00:01:22,030 --> 00:01:30,430
+وشعبها، من حيث حقها في إقامة علاقات مع الدول الأخرى،
+
+12
+00:01:30,430 --> 00:01:36,650
+من حيث حقها في الدفاع عن نفسها، وفي شن الحرب حالة
+
+13
+00:01:36,650 --> 00:01:42,230
+الاعتداء عليها، إلى غير ذلك، من حيث حقها في عقد
+
+14
+00:01:42,230 --> 00:01:46,230
+المعاهدات التجارية والسياسية،
+
+15
+00:01:47,200 --> 00:01:53,780
+والاقتصادية، وإلى غير ذلك. هذه كلها تعتبر حقوق
+
+16
+00:01:53,780 --> 00:01:59,940
+دولية. كذلك، ربما يعني من حيث حقها في الانضمام إلى
+
+17
+00:01:59,940 --> 00:02:04,720
+المنظمات الدولية. كل هذه حقوق دولية تعتبر للدولة.
+
+18
+00:02:04,890 --> 00:02:10,650
+وهناك من الجانب الآخر حقوق غير دولية، أو كما تسمى
+
+19
+00:02:10,650 --> 00:02:18,650
+حقوق داخلية، تتعلق بالدولة مع أفرادها، تتعلق بالدولة
+
+20
+00:02:18,650 --> 00:02:23,750
+أو الحكومة في داخل الدولة مع سائر أفرادها. وقلنا
+
+21
+00:02:23,750 --> 00:02:30,420
+بأن هذه الحقوق غير الدولية أو الداخلية أيضا لها
+
+22
+00:02:30,420 --> 00:02:36,380
+أنواع متعددة، أو تنقسم إلى أقسام مختلفة. منها حقوق
+
+23
+00:02:36,380 --> 00:02:44,220
+سياسية. منها حقوق سياسية، وهي تلك الحقوق التي تتقرر
+
+24
+00:02:44,220 --> 00:02:47,420
+للمواطنين،
+
+25
+00:02:49,310 --> 00:02:57,850
+بقصد مشاركتهم في الحياة السياسية. كحق الانتخاب، حق
+
+26
+00:02:57,850 --> 00:03:04,160
+الترشيح، حق تولي الوظائف العامة، أو ما سوى ذلك. حقوق
+
+27
+00:03:04,160 --> 00:03:11,060
+وهي التي يعبر عنها أحيانا، أو يعبر البعض عنها بأنها
+
+28
+00:03:11,060 --> 00:03:17,120
+حقوق الإنسان، الحقوق الطبيعية التي تثبت لكل إنسان،
+
+29
+00:03:17,120 --> 00:03:23,260
+لكل مواطن سواء يعني في داخل الدولة أو في خارج
+
+30
+00:03:23,260 --> 00:03:27,210
+الدولة. وهي حتى ينظر إليها، كما تحدثنا المرة
+
+31
+00:03:27,210 --> 00:03:31,350
+الماضية، ربما ينظر إليها من زاوية وكأنها حقوق
+
+32
+00:03:31,350 --> 00:03:36,790
+دولية، حقيقة. لكن، لما كانت الدولة، كل دولة هي المختصة
+
+33
+00:03:36,790 --> 00:03:41,250
+بتنفيذ هذه الحقوق، اعتبرت من باب الحقوق الداخلية، لما
+
+34
+00:03:41,250 --> 00:03:46,330
+كانت الدولة هي القائمة على متابعتها وعلى رعايتها.
+
+35
+00:03:46,330 --> 00:03:51,620
+هذه الحقوق العامة التي تسمى بحقوق الإنسان، التي هي
+
+36
+00:03:51,620 --> 00:03:55,180
+حقه في الحياة، حقه في التفكير، حقه في التنقل، حقه
+
+37
+00:03:55,180 --> 00:03:59,720
+في السفر، يعني وإلى غير ذلك. هذه حقوق، حقه في
+
+38
+00:03:59,720 --> 00:04:09,710
+السكن والأمن، حقه يعني في خصوصيته، ثم الحقوق الخاصة،
+
+39
+00:04:09,710 --> 00:04:17,810
+عكس العامة، الخاصة أو المدنية. هذه الحقوق المدنية
+
+40
+00:04:17,810 --> 00:04:27,230
+التي، تلك الحقوق التي تتقرر للأشخاص،
+
+41
+00:04:27,230 --> 00:04:32,950
+فيما يتعلق بعلاقاتهم الخاصة، بعلاقاتهم الناتجة عن
+
+42
+00:04:32,950 --> 00:04:38,470
+تحركاتهم وعلاقاتهم العائلية، أو علاقات الصداقة، أو
+
+43
+00:04:38,470 --> 00:04:45,630
+الجوار، في داخل محيطهم، في داخل سكنهم. وهذه يعني
+
+44
+00:04:45,630 --> 00:04:53,250
+أيضا تقسم إلى أقسام. حقوق، الحقوق المدنية العائلية،
+
+45
+00:04:53,250 --> 00:04:57,310
+اللي هو قانون الأسرة أحيانا يسمى، أو قانون
+
+46
+00:04:57,310 --> 00:05:02,750
+الأحوال الشخصية. هذا يتفرع عنه حقوق. هذه الحقوق
+
+47
+00:05:02,750 --> 00:05:09,250
+عادة ما تنشأ نتيجة، نتيجة العلاقة الزوجية، نتيجة
+
+48
+00:05:09,250 --> 00:05:13,790
+علاقة القرابة والمصاهرة. هذه العلاقات الزوجية، أو
+
+49
+00:05:13,790 --> 00:05:18,470
+علاقة القرابة، أو علاقة المصاهرة، تترتب عليها حقوق
+
+50
+00:05:18,950 --> 00:05:26,950
+وتفرز حقوقا للزوجين نحو بعضهم الآخر، للأقارب نحو
+
+51
+00:05:26,950 --> 00:05:36,630
+بعضهم البعض، وحتى لأفراد النسب أو المصاهرة. كل هؤلاء
+
+52
+00:05:36,630 --> 00:05:41,130
+بينهم حقوق، وما أكثر هذه الحقوق. لسنا في الموضوع
+
+53
+00:05:41,130 --> 00:05:52,180
+البيان لها. وأما الآخر، اللي هو الحقوق، دعنا نسميها
+
+54
+00:05:52,180 --> 00:05:57,340
+المالية، التي هي مقصودنا. الحقوق المالية، لأن كل
+
+55
+00:05:57,340 --> 00:06:04,100
+حديثنا إنما يتعلق بقضايا مالية، وما بياننا لكل هذه
+
+56
+00:06:04,100 --> 00:06:10,620
+الأقسام إلا من أجل أن نبين موقع الحقوق المعنوية من
+
+57
+00:06:10,620 --> 00:06:16,560
+بين سائر الحقوق، وبيان الجانب المالي منها. علاقات أو
+
+58
+00:06:16,560 --> 00:06:22,500
+حقوق شخصية، الخاصة منها، خصوصيات يعني، دعنا نسميها
+
+59
+00:06:22,500 --> 00:06:29,580
+أدبية، وعلاقات عائلية وإلى غير ذلك. وحقوق مالية. حقوق
+
+60
+00:06:29,580 --> 00:06:34,540
+مالية. المال، أصل الحياة. المال شيء طبيعي في حياة
+
+61
+00:06:34,540 --> 00:06:42,120
+الناس، لا يستطيعون التحرك ولا التطور بدونه. هذه
+
+62
+00:06:42,120 --> 00:06:48,320
+الحقوق المالية أيضا يعني لها صور أو لها أقسام. منها
+
+63
+00:06:48,320 --> 00:06:55,920
+يعني حقوق تثبت لشخص نحو شخص، لأنه دائن له، أو أن ذاك
+
+64
+00:06:55,920 --> 00:07:01,300
+كمدين له. هذه تسمى حقوق شخصية. أنا حقي عليك، أنت
+
+65
+00:07:01,300 --> 00:07:07,140
+أخذت مني الكتاب لمدة أسبوع، رجّع لي الكتاب بعد أسبوع. أنت
+
+66
+00:07:07,140 --> 00:07:13,120
+رد لي هذا الكتاب. أعطيتك مالا معينا لمدة عام، حقي
+
+67
+00:07:13,120 --> 00:07:18,080
+أن ترد لي هذا القرض. حقي عليك، حق شخصي، هذا حق
+
+68
+00:07:18,080 --> 00:07:23,980
+شخصي، لا ينزعني فيه أحد. وحق عيني، يعني وهي سلطة
+
+69
+00:07:23,980 --> 00:07:28,700
+الإنسان على الشيء، بغض النظر أخذه شخص آخر أو لم
+
+70
+00:07:28,700 --> 00:07:36,750
+يأخذه. أنا هذا الكتاب ليه؟ إن حقي سلط عليه بالتصرف
+
+71
+00:07:36,750 --> 00:07:43,470
+كيف ما أشاء، أو أُعطيه لمن أشاء، أمنعه عن من أشاء، أبيعه،
+
+72
+00:07:43,470 --> 00:07:52,220
+وأُجّره، أحتفظ به، أو أي شيء آخر. هذا البيت يسمى حق
+
+73
+00:07:52,220 --> 00:07:57,700
+عيني. والنوع الثالث وهو المقصود لدى الحق المعنوي،
+
+74
+00:07:57,700 --> 00:08:04,420
+وهي تلك السلطة التي تثبت على أشياء غير مادية. يعني
+
+75
+00:08:04,420 --> 00:08:10,470
+الحقوق الشخصية، حقيقة، ربما تشمل، تثبت لشخص على شخص،
+
+76
+00:08:10,470 --> 00:08:14,830
+وتتعلق بعينية ومعنوية. لكن العينية تتعلق بأشياء
+
+77
+00:08:14,830 --> 00:08:20,570
+مادية محسوسة. أما المعنوية فإنها تتعلق بأشياء غير
+
+78
+00:08:20,570 --> 00:08:29,650
+مادية، هي ثمرة يعني الفكر والإنتاج العقلي ليس إلا.
+
+79
+00:08:30,030 --> 00:08:36,650
+وليست يعني، وميزتها أنها يعني لا… ليس لها شيء أو
+
+80
+00:08:36,650 --> 00:08:42,370
+دعني أقول، لا يمكن أن تُحَازَ في مكان. يعني، شيء معنوي،
+
+81
+00:08:42,370 --> 00:08:46,510
+…شيء معنوي لا يوضع في مكان أو في صندوق أو في
+
+82
+00:08:46,510 --> 00:08:51,350
+…لا يُرى بالعين المجردة. هذا ما يُقصد بالحقوق
+
+83
+00:08:51,350 --> 00:08:53,370
+المعنوية.
+
+84
+00:08:55,440 --> 00:09:00,720
+قلنا بأن هذه الحقوق المعنوية هي مقصودنا من الحديث،
+
+85
+00:09:00,720 --> 00:09:06,080
+ومقصودنا من الحديث في الحقوق المعنوية أو عن الحقوق
+
+86
+00:09:06,080 --> 00:09:11,140
+المعنوية بالدرجة الأساسية هو إيه؟ معرفة ما إذا كان
+
+87
+00:09:11,140 --> 00:09:17,520
+يجوز أخذ بدل مالي عنها أم لا. هذا هو المقصود. لأن
+
+88
+00:09:17,520 --> 00:09:23,440
+الحقوق المعنوية من حيث هي… يعني دعنا نقول إنها
+
+89
+00:09:23,440 --> 00:09:31,320
+معروفة وثابتة ولا ينكرها أحد، قديما
+
+90
+00:09:31,320 --> 00:09:36,080
+وحديثا. يعني، العلماء
+
+91
+00:09:36,080 --> 00:09:41,120
+المسلمون، يا إخوة، عُرفوا الحقوق المعنوية، بل إن
+
+92
+00:09:41,120 --> 00:09:48,390
+الإنسان كإنسان هو أساسا مركب من جسد وروح. الجانب
+
+93
+00:09:48,390 --> 00:09:55,450
+الروحي، الجانب المعنوي، معترف به ومحل اهتمام من قبل
+
+94
+00:09:55,450 --> 00:10:02,990
+الإسلام، اهتماما كبيرا. والإسلام يعني يثبت حقوقا
+
+95
+00:10:02,990 --> 00:10:09,440
+معنوية، حقيقة للإنسان، كما يثبت حقوقا مادية. يعني، ده
+
+96
+00:10:09,440 --> 00:10:12,660
+يعني، أُمثل هنا مثلا، قبل أن أدخل في الحقوق المعنوية،
+
+97
+00:10:12,660 --> 00:10:18,340
+من حيث كون البدل المالي جائزًا أو غير جائز. لكن،
+
+98
+00:10:18,340 --> 00:10:20,940
+الحقوق المعنوية في الأصل مقررة في الإسلام أيها
+
+99
+00:10:20,940 --> 00:10:26,360
+الأخوة، والكرّامة، ومعتبرة. يعني، لو أن إنسانا اتّهم إنسانا
+
+100
+00:10:26,360 --> 00:10:34,060
+بتهمة معينة، تهمة تتعلق بجانب الحسّاس والمشاعر،
+
+101
+00:10:34,060 --> 00:10:40,270
+اتهمه بتهمة بأنه يرتكب الفاحشة مثلا، اتهمه… يعني
+
+102
+00:10:40,270 --> 00:10:44,830
+هذه التهمة ليست مادية، هذه تهمة معنوية تتعلق بها
+
+103
+00:10:44,830 --> 00:10:52,010
+شيء معنوي، وتعلق بها مشاعر وأحاسيس تحركت
+
+104
+00:10:52,010 --> 00:10:58,430
+بالنسبة للإنسان المتهم، فيصبح هذا الإنسان المتهم
+
+105
+00:10:58,430 --> 00:11:04,080
+له الحق، إذا لم تكن هذه التهمة صحيحة، أن يدافع عن
+
+106
+00:11:04,080 --> 00:11:10,240
+نفسه، وأن يَجِب هذه التهمة عن نفسه. والشريعة
+
+107
+00:11:10,240 --> 00:11:19,760
+الإسلامية، إذا لم يثبت المتهم التهمة على من اتهمه،
+
+108
+00:11:19,760 --> 00:11:21,240
+فإنها تعاقبه.
+
+109
+00:11:23,550 --> 00:11:28,410
+ولو واحد يقول أنا ما جرحته، ولا كسرت يده، ولا قطعت
+
+110
+00:11:28,410 --> 00:11:34,810
+إصبعه، ولا ضربته. هذه أشياء مادية، لكن أنت جرحت
+
+111
+00:11:34,810 --> 00:11:39,010
+مشاعره، زي ما بنقول، جرحت مشاعره. هذا هو الحق المعنوي.
+
+112
+00:11:39,010 --> 00:11:44,530
+المعنوي، متعلق بالمشاعر، أو أفكار، أو أشياء غير
+
+113
+00:11:44,530 --> 00:11:51,210
+محسوسة. يعني، ولذلك ربنا سبحانه وتعالى فيما يعني
+
+114
+00:11:51,210 --> 00:11:59,260
+اعتبره، الاعتداءات المعنوية، أو بعض الاعتداءات المعنوية،
+
+115
+00:11:59,260 --> 00:12:05,080
+جريمة، جريمة تستحق العقوبة. يعني، ماذا قال ربنا
+
+116
+00:12:05,080 --> 00:12:09,240
+سبحانه وتعالى: "والذين يرمون"
+
+117
+00:12:15,950 --> 00:12:20,370
+"والذين يرمون المحصنات، ثم لم يأتوا بأربعة شهداء، فاجلدوهم ثمانين جلدة،
+
+118
+00:12:20,370 --> 00:12:26,670
+شوفوا، لحظة، مع أن التهمة معنوية، لكن العقوبة
+
+119
+00:12:26,670 --> 00:12:33,010
+مادية. لكن، ليس هذا فقط، وفي عقوبة معنوية أخرى، عقوبة
+
+120
+00:12:39,220 --> 00:12:44,260
+مادية وعقوبات معنوية أخرى. "فاجلدوهم ثمانين جلدة، ولا
+
+121
+00:12:44,260 --> 00:12:50,260
+تقبلوا لهم شهادة أبدا". عدم قبول الشهادة شيء معنوي، ولا
+
+122
+00:12:50,260 --> 00:12:56,760
+…لا أنا ما أقبل شهادة فلان، أنا مش… يعني ليس في…
+
+123
+00:12:56,760 --> 00:13:04,380
+لا يتعلق به يعني نقصان في جسده ولا ألم ولا غيره، لكن
+
+124
+00:13:04,380 --> 00:13:09,660
+أمر معنوي، بظل أيه؟ يعني، يستشعره. "ولا تقبلوا لهم
+
+125
+00:13:09,660 --> 00:13:15,600
+شهادة أبدا". وكمان هناك وصف آخر معنوي، كذلك ديني،
+
+126
+00:13:15,600 --> 00:13:17,840
+"وأولئك هم الفاسقون".
+
+127
+00:13:20,660 --> 00:13:26,400
+مسألة الجوانب المعنوية معتبرة يا إخوة في الإسلام، و
+
+128
+00:13:26,400 --> 00:13:32,100
+هنا أنا إنما قصدتُ من هذا الكلام
+
+129
+00:13:32,100 --> 00:13:35,940
+أنه قد يتساءل المتسائل: إذا كانت الحقوق المعنوية
+
+130
+00:13:35,940 --> 00:13:45,100
+معروفة لدى المسلمين منذ القدم، طب ألسنا نريد أن
+
+131
+00:13:45,100 --> 00:13:51,240
+نتحدث عن قضايا معاصرة؟ هنا، نعم. إحنا لسنا نتحدث عن
+
+132
+00:13:51,240 --> 00:13:59,180
+الحق المعنوي من حيث هو، أو من حيث إنه قضية جديدة،
+
+133
+00:13:59,180 --> 00:14:07,380
+ولكن إنما نتحدث عن الحق المعنوي من حيث جواز
+
+134
+00:14:07,380 --> 00:14:13,100
+أو عدم جواز أخذ البدل المالي عنه. هذه القضية التي
+
+135
+00:14:13,100 --> 00:14:18,200
+ربما لم يبحثها الفقهاء القدامى،
+
+136
+00:14:20,070 --> 00:14:27,330
+وإنما كانت محل بحث من قبل العلماء المعاصرين الذين
+
+137
+00:14:27,330 --> 00:14:31,590
+استفصلوا
+
+138
+00:14:31,590 --> 00:14:35,890
+في هذه القضية، نتيجة أسباب متعددة.
+
+139
+00:14:38,370 --> 00:14:45,750
+الحق المعنوي، أو الحقوق المعنوية التي نقصدها
+
+140
+00:14:45,750 --> 00:14:50,450
+هنا، عرفناها، بدأنا نتحدث فيها المرة الماضية أيضا،
+
+141
+00:14:50,450 --> 00:14:54,910
+ربما، أليس كذلك؟ بدأنا نتحدث عنها المرة الماضية،
+
+142
+00:14:54,910 --> 00:15:01,170
+وقلنا بأنها عبارة عن سلطة لشخص. أي الحقوق المعنوية،
+
+143
+00:15:01,170 --> 00:15:06,810
+إجمالا، اللي حق التأليف واحد منها. هي عبارة عن سلطة
+
+144
+00:15:06,810 --> 00:15:13,930
+لشخص على شيء غير مادي، وثمرته فكره أو خياله أو
+
+145
+00:15:13,930 --> 00:15:22,030
+نشاطه. وذلك كحق المؤلف، وكحق المخترع، وكحق الرسام،
+
+146
+00:15:22,030 --> 00:15:30,550
+والفنان، وحق التاجر فيما كَوّنه من سمعة وشهرة
+
+147
+00:15:30,550 --> 00:15:35,810
+تجاريّة، مع أنها شيء غير يعني ملموس أو غير محسوس. كل
+
+148
+00:15:35,810 --> 00:15:41,610
+هذه تعتبر من جملة الحقوق المعنوية التي يمكن أن يكون
+
+149
+00:15:41,610 --> 00:15:49,950
+لها بدل مادي. فهل إذا أخذ البدل المادي هذا الشخص،
+
+150
+00:15:49,950 --> 00:15:55,210
+صاحب الحق، يعني يجوز له ذلك أم لا يجوز؟ قولنا يا
+
+151
+00:15:55,210 --> 00:16:05,070
+إخوان، أيضا المرة الماضية أن الحقوق،
+
+152
+00:16:05,070 --> 00:16:08,270
+المعنوية،
+
+153
+00:16:10,270 --> 00:16:17,590
+يُترتب عليها يعني أكثر من جانب. بمعنى أن الحق
+
+154
+00:16:17,590 --> 00:16:24,110
+المعنوي هذا إما أن يتعلق
+
+155
+00:16:24,110 --> 00:16:32,470
+بحق لصاحبه، أو يتعلق بحق حتى للأمة جميعا. ثم
+
+156
+00:16:32,470 --> 00:16:39,720
+إنما يتعلق بالإنسان بصاحبه، له شكلان. نقلنا في حاجة
+
+157
+00:16:39,720 --> 00:16:48,440
+اسمها حق أدبي، وهو إيه؟ نسبة الحق لصاحبه. يعني،
+
+158
+00:16:48,440 --> 00:16:55,280
+المخترع لما اخترع أي اختراع، المؤلف عندما ألف كتابا،
+
+159
+00:16:55,280 --> 00:17:05,330
+السمعة، إلخ غير ذلك. تثبت نسبتها… هذه الحقوق تثبت
+
+160
+00:17:05,330 --> 00:17:12,730
+نسبتها لأصحابها بلا خلاف، وتعتبر
+
+161
+00:17:12,730 --> 00:17:18,290
+يعني من باب الحقوق الأدبية. إن هذا الكتاب باسم
+
+162
+00:17:18,290 --> 00:17:24,190
+فلان، هذا أمر يعني من المسلمات. لا يجوز بحال، لا يقبل
+
+163
+00:17:24,190 --> 00:17:31,080
+بحال من الأحوال، أدبا ولا قانونا ولا دينا ولا خلقا،
+
+164
+00:17:31,080 --> 00:17:36,380
+أن أنا آتي أشطب اسم فلان وأُحط اسم علان، أو أحط اسم
+
+165
+00:17:36,380 --> 00:17:42,360
+بداله. هذا… هذا… هذا تجاوز، هذا خيانة، هذا سرقة
+
+166
+00:17:42,360 --> 00:17:50,720
+معنوية، إلى غير ذلك. فالنسبة لابد أن تُحفظ، وهذا ما لا
+
+167
+00:17:50,720 --> 00:17:51,440
+خلاف فيه.
+
+168
+00:17:54,680 --> 00:17:58,620
+هناك حق، طبعا هذا حق أدبي. أنا واللي واحد يقول لي أنا
+
+169
+00:17:58,620 --> 00:18:02,520
+واللي استفدت، بعت واشتريت، من جابت وصرفت من
+
+170
+00:18:02,520 --> 00:18:08,080
+النسبة. أنا بدي الأهم من النسبة، الأهم من الجانب
+
+171
+00:18:08,080 --> 00:18:14,280
+المعن
+
+223
+00:24:20,070 --> 00:24:28,630
+من أي دولة تعال خذ ما شئت، ها هو مرتبك الشهري، ها هي سيارة
+
+224
+00:24:28,630 --> 00:24:34,110
+أحدث موديل، ها هي الفيلا، ها هي السيارة، وانتَ فقط اشتغل وشغلك
+
+225
+00:24:34,110 --> 00:24:40,870
+لمن؟ للدولة، شغل للدولة، شغل للدولة، مقابل دعنا نقول
+
+226
+00:24:40,870 --> 00:24:45,830
+يعني دعني أقول يا إخوان أن وأن لم .. أنا أريد أن أصلح
+
+227
+00:24:45,830 --> 00:24:53,080
+الشغل، أن وأن لم نجد علماء، أنا أقول القدماء بحثوا
+
+228
+00:24:53,080 --> 00:25:02,000
+تفصيلاً في هذه المسألة، إلا أن الظاهرة من خلال يعني
+
+229
+00:25:02,000 --> 00:25:10,720
+الاستقرار التاريخي والمعاملات، نجد أنه أن هناك
+
+230
+00:25:10,720 --> 00:25:16,940
+ما يومئ بجواز أخذ البدل المالي، ذلك أن هذا العالم
+
+231
+00:25:16,940 --> 00:25:27,200
+إنما أخذ ما أخذه من مسكن وراحلة ومصاريف
+
+232
+00:25:27,200 --> 00:25:36,540
+لبيته وأهله وأولاده، مقابل ماذا؟ مقابل سواد عينيه؟
+
+233
+00:25:36,540 --> 00:25:43,110
+لماذا لم يكن شخص آخر هو الذي نال ذلك؟ مقابل جهده
+
+234
+00:25:43,110 --> 00:25:48,610
+الفكري، مقابل تأليفه وتصنيفه، فليس بالضرورة أن
+
+235
+00:25:48,610 --> 00:25:52,690
+المسألة تكون مسألة يعني بيع وشراء على نحو الذي
+
+236
+00:25:52,690 --> 00:26:02,740
+نعرفه اليوم، لكن مع ذلك كله، نحن ما وجدناه أنهم أو
+
+237
+00:26:02,740 --> 00:26:07,880
+لأجل ذلك، دعنا نقول: لم يبحثوا هذه المسألة، لم يبحثوا
+
+238
+00:26:07,880 --> 00:26:15,780
+هذه المسألة، لأنه لم يكن ثَمَّ حاجة إلى بحثها، ولكن في
+
+239
+00:26:15,780 --> 00:26:20,830
+الدول الأوروبية، لأن الاتفاقيات هذه التي تمت يا إخوان
+
+240
+00:26:20,830 --> 00:26:29,830
+تمت في أوروبا، في باريس وبرلين بعد ذلك وغيرها، تمت
+
+241
+00:26:29,830 --> 00:26:38,270
+في هذه التي ترتب عليها قانون حماية حقوق الابتكار
+
+242
+00:26:38,750 --> 00:26:44,150
+هذه القوانين، يعني لما ان لما وجد العلماء
+
+243
+00:26:44,150 --> 00:26:50,050
+أنفسهم يعني تائهين، غير مرعيين من قبل دولهم، مش كل
+
+244
+00:26:50,050 --> 00:26:54,030
+الدول التي يعني كانت ترعى العلم والعلماء، خاصة في
+
+245
+00:26:54,030 --> 00:26:57,190
+فترات يعني الـ أوروبا يا إخوان، جديد بدأت تهتم
+
+246
+00:26:57,190 --> 00:27:00,950
+بالقضايا هذه، لأن في فترات الظلام أو في فترات
+
+247
+00:27:00,950 --> 00:27:05,170
+العصور الوسطى أو في فترات تسلط الكنيسة، كان هناك
+
+248
+00:27:05,170 --> 00:27:11,580
+حرب ضد العلماء، مش بس عدم تقدير وعدم جواز لـ لأ
+
+249
+00:27:11,580 --> 00:27:17,080
+كان محاربة لهم، فلذلك يا إخوان يعني هذه نشأت القضايا
+
+250
+00:27:17,080 --> 00:27:24,880
+جواز وعدم جواز، وفي أوروبا التي لم تقم حكوماتها
+
+251
+00:27:24,880 --> 00:27:30,000
+بدورها نحو العلماء، فبدأ يعني العلماء يطالبون
+
+252
+00:27:30,000 --> 00:27:38,100
+بحقوقهم هذه، واستجابت القوانين لهم، لكن يا إخوان لما
+
+253
+00:27:38,100 --> 00:27:44,640
+سارت دولنا الإسلامية بعد أن تمزقت بعد الخلافة و
+
+254
+00:27:44,640 --> 00:27:49,060
+أصبحت دولات هنا وهناك، صارت على نفس النظام تبع
+
+255
+00:27:49,060 --> 00:27:53,660
+الحكومات الأوروبية، ربما بل أقل درجة، يعني الحكومات
+
+256
+00:27:53,660 --> 00:27:57,020
+الأوروبية بدأت عادت لتستعيد اهتمامها بالعلم و
+
+257
+00:27:57,020 --> 00:28:01,520
+العلماء، لكن إحنا دولنا العربية والإسلامية ظلت على
+
+258
+00:28:01,520 --> 00:28:06,200
+ما هي عليه من ترك وإهمال العلم والعلماء، ما فيش
+
+259
+00:28:06,200 --> 00:28:09,880
+تشجيع للبحث العلمي، ما فيش تشجيع للتأليف والتصنيف،
+
+260
+00:28:09,880 --> 00:28:14,770
+ما فيش تشجيع للاختراعات، فصار كل واحد يدور اللي
+
+261
+00:28:14,770 --> 00:28:18,890
+يختاره، أو اللي بيقلف يدور على طريقة يتكسب من
+
+262
+00:28:18,890 --> 00:28:25,490
+ورائها، ويعني من خلال تسويق منتجه
+
+263
+00:28:27,710 --> 00:28:33,090
+إن وجد من يشتريه أو إن وجد من ينتفع به بمقابل أو
+
+264
+00:28:33,090 --> 00:28:38,610
+إلى غير ذلك، ثم يعني مع وجود هذه المؤسسات الدولية
+
+265
+00:28:38,610 --> 00:28:46,350
+هنا وهناك التي بدأت ترعى هذه الحقوق، سواء في هذه
+
+266
+00:28:46,350 --> 00:28:50,450
+الدولة أو في تلك، يعني بدأت بعض الدول يا إخوان
+
+267
+00:28:50,450 --> 00:28:57,350
+الإسلامية والعربية تنظم إلى قافلة الدول التي تحمي
+
+268
+00:28:57,350 --> 00:29:02,210
+حقوق العلماء، وهذا سلاح ذو حدين بالمناسبة، يعني هي
+
+269
+00:29:02,210 --> 00:29:08,830
+لما تنظم إلى هذه الاتفاقيات، هي أولاً تحفي نفسها من
+
+270
+00:29:08,830 --> 00:29:13,330
+مسؤوليات مكافئة
+
+271
+00:29:15,010 --> 00:29:20,190
+العلماء أو المخترعين أو المؤلفين، أنت من حقك مدام
+
+272
+00:29:20,190 --> 00:29:27,170
+إحنا بنعطيك الحق وبنحميْك إنك تنتفع مالياً ومادياً
+
+273
+00:29:27,170 --> 00:29:35,690
+بمنتجك وبمؤلفك، ده أنت وشطارتك، وإذا واحد اعتدى عليك
+
+274
+00:29:35,690 --> 00:29:41,330
+إحنا بنتبع الموضوع، يعني هذا فقط ما يعني تقوم به
+
+275
+00:29:41,330 --> 00:29:49,090
+الحكومات، ربما اليوم، على كل الأحوال، كل هذا يا إخوان
+
+276
+00:29:49,090 --> 00:29:53,810
+يعني بين يدي الحديث عن آراء العلماء في البدل
+
+277
+00:29:53,810 --> 00:29:58,750
+المالي، اللي هو مقصودنا الأساسي في حق التأليف، قلنا
+
+278
+00:29:58,750 --> 00:30:05,090
+يا إخوان أن حق التأليف هو أول صورة أو إحدى صور
+
+279
+00:30:05,090 --> 00:30:13,730
+الحقوق المعنوية، إحدى صور الحقوق المعنوية، فما هو أو
+
+280
+00:30:13,730 --> 00:30:22,970
+فماذا يقصد بحق التأليف، وما هي آراء العلماء في أخذ
+
+281
+00:30:22,970 --> 00:30:31,260
+البدل المالي عنه؟ التأليف أيها الإخوة الكرام معناه
+
+282
+00:30:31,260 --> 00:30:41,760
+في لغة العرب، الجمع والضم، ألف يُؤلِّف تأليفاً، أي يجمع
+
+283
+00:30:41,760 --> 00:30:53,860
+يُجمع جمعاً، وسواء كان هذا الجمع متعلقاً بأمور مادية أو
+
+284
+00:30:53,860 --> 00:30:59,380
+بأمور معنوية، كله يُسمى تأليفاً، الأصل الجمع، يعني أنا
+
+285
+00:30:59,380 --> 00:31:03,660
+لو جمعت الكراسي في غرفة واحدة، هذا تجميع مادي أو
+
+286
+00:31:03,660 --> 00:31:11,400
+تأليف مادي، لكن إذا يعني ألّفت أو جمعت بين مجموعة من
+
+287
+00:31:11,400 --> 00:31:19,030
+الأفراد، يعني من حيث الأمزجة والأفكار والتوجهات
+
+288
+00:31:19,030 --> 00:31:24,910
+هذا تأليف معنوي، لكن إذا جمعتهم في مكان واحد مع بعض
+
+289
+00:31:24,910 --> 00:31:29,050
+كل واحد عاجله أو تجاه شكل، هذا ما يُسمى تأليفاً معنوياً
+
+290
+00:31:29,050 --> 00:31:35,530
+هذا تُسميه تأليفاً يعني مادياً أو شكلياً، فالتأليف هو
+
+291
+00:31:35,530 --> 00:31:42,590
+الجمع حقيقة بين الأشياء، مادية كانت أو معنوية
+
+292
+00:31:42,590 --> 00:31:48,600
+لكن حقيقة يا إخوان، ليس كل جمع يُعتبر أو يمكن أن
+
+293
+00:31:48,600 --> 00:31:56,600
+نسميه تأليفاً، ذلك أن التأليف هو جمع من نوع خاص،
+
+294
+00:31:56,600 --> 00:32:04,820
+جمع من نوع خاص، إيش الخصوصية؟ الخصوصية أنه يجمع
+
+295
+00:32:04,820 --> 00:32:11,300
+بين الأشياء المتناسبة، أي يجمع بين الأشياء
+
+296
+00:32:11,300 --> 00:32:17,100
+المتناسبة، يعني أنا لما أنا أحط ابنك مع طولات مع
+
+297
+00:32:17,100 --> 00:32:19,840
+كمبيوترات، ما يُسمى تأليفاً
+
+298
+00:32:22,720 --> 00:32:26,660
+التأليف، لكن لو كل الكراسي محطوطة طابور بس كراسي
+
+299
+00:32:26,660 --> 00:32:34,120
+ومصفوفة كمان بشكل مرتب، يعني هذا هذا الجمع المرتب، جمع
+
+300
+00:32:34,120 --> 00:32:41,480
+التأليف، جمع منسق، جمع مرتب، متناسق، هذا هو التأليف
+
+301
+00:32:41,480 --> 00:32:47,020
+ولذلك نحن نجد في الكتب، الكتب سُميت مؤلفات، الكتب
+
+302
+00:32:47,020 --> 00:32:56,830
+حقيقة تراها فيها، أُدْقَم مستويات، يعني إيه التناسق؟ تجد
+
+303
+00:32:56,830 --> 00:33:02,950
+أيْ أنت افتح أي كتاب، تلاقي مقدمة، المقدمة مُشتملة
+
+304
+00:33:02,950 --> 00:33:07,930
+على المحتويات مثلاً، أما المحتويات في النهاية أو في
+
+305
+00:33:07,930 --> 00:33:14,390
+البداية، أو على يعني بيان يعني على الأقل أهم
+
+306
+00:33:14,390 --> 00:33:20,210
+الموضوعات، تلاقي هذا الكتاب يحتمل على ثلاثة فصول،
+
+307
+00:33:20,210 --> 00:33:26,770
+الفصل الأول فيه ثلاثة مباحث، المباحث مرتبطة
+
+308
+00:33:26,770 --> 00:33:32,160
+بالفصل، الفصول كلها متناغمة، تسلم بعضها إلى بعض، أه
+
+309
+00:33:32,160 --> 00:33:36,700
+في في النهاية نتائج وخاتمة أو كذا، كل الكتاب يدور
+
+310
+00:33:36,700 --> 00:33:41,320
+حول موضوع واحد، ما بيشذش، كل فصل يختلف صحيح عن الفصل
+
+311
+00:33:41,320 --> 00:33:48,420
+الذي بعده، لكنه يتفق معه في أمور، في يعني ملحمة
+
+312
+00:33:48,420 --> 00:33:55,250
+تناسقية، متناسبة في الفكر أو في الطرح أو في التصميم
+
+313
+00:33:55,250 --> 00:34:00,670
+فلذلك لا عجب أن يُسمى يعني ما يُكتب بهذه الطريقة
+
+314
+00:34:00,670 --> 00:34:08,930
+مؤلفاً أو تأليفاً، لأنه جمع متناسب، جمع مرتب، جمع
+
+315
+00:34:08,930 --> 00:34:15,050
+متسلسل، وهكذا، فالتأليف
+
+316
+00:34:15,050 --> 00:34:20,630
+حقيقة هو جمع للأشياء المتناسبة، وكان أشار بعض
+
+317
+00:34:20,630 --> 00:34:26,470
+علماء اللغة يعني إلى ذلك
+
+318
+00:34:27,710 --> 00:34:33,390
+أما اصطلاحاً، التأليف اصطلاحاً يعني حقيقة لا يختلف
+
+319
+00:34:33,390 --> 00:34:39,090
+ربما كثيراً، المعنى الاصطلاحي للتأليف عن المعنى
+
+320
+00:34:39,090 --> 00:34:43,250
+اللغوي، فإذا كان المعنى اللغوي هو جمع الأشياء
+
+321
+00:34:43,250 --> 00:34:50,970
+المتناسبة، لكن التأليف اصطلاحاً يعني أكثر اختصاصاً
+
+322
+00:34:51,330 --> 00:34:59,310
+أكثر خصوصية، لأنه إنما يتعلق بالتصنيف
+
+323
+00:34:59,310 --> 00:35:08,510
+إنما يتعلق بالكتب والتصنيفات والرسائل العلمية من
+
+324
+00:35:08,510 --> 00:35:14,570
+حيث جمعها في كتاب واحد، فكل المحررات، أقصد المحررات
+
+325
+00:35:14,570 --> 00:35:19,510
+مش المستوطنات، التحرير يعني المكتوبات، المحررات أيّ
+
+326
+00:35:19,510 --> 00:35:23,390
+المكتوبات، الكتب المكتوبة، المحررات، تسمى التحرير،
+
+327
+00:35:23,390 --> 00:35:28,650
+مش فيه امتحان تحريري يعني مكتوب، وامتحان شفهي يعني
+
+328
+00:35:28,650 --> 00:35:36,430
+ماذا هذا، المحررات أي المكتوبات؟ والتي يضمها كتاب
+
+329
+00:35:36,430 --> 00:35:42,630
+واحد تُسمى يعني ماذا مؤلفة، ولذلك جاء في تعريف
+
+330
+00:35:42,630 --> 00:35:46,030
+التأليف
+
+331
+00:35:46,030 --> 00:35:54,280
+اصطلاحاً بأنه هو الكلام المدون الذي ينطوي على عمل
+
+332
+00:35:54,280 --> 00:35:59,020
+إبداعي، أيّاً كان درجته من حيث الأهمية، وهنا لنا وقفة
+
+333
+00:35:59,020 --> 00:36:02,920
+أو وقفات، أنا أريد أن أكتب التعريف، لأن حقيقة في بعض
+
+334
+00:36:02,920 --> 00:36:08,840
+الوقفات التي تستحق منا أن نترايث قليلاً، إذا هو حق
+
+335
+00:36:08,840 --> 00:36:20,900
+التأليف اصطلاحاً هو الكلام المدون الذي ينطوي
+
+336
+00:36:22,530 --> 00:36:26,810
+على عمل إبداعي
+
+337
+00:36:26,810 --> 00:36:39,810
+أيّاً كانت درجته من حيث الأهمية، لو
+
+338
+00:36:39,810 --> 00:36:43,270
+إحنا وقفنا عند هذا التعريف شوية، هنلاقي فيه عدة
+
+339
+00:36:43,270 --> 00:36:53,280
+مميزات للمؤلف أو شروط أو قيود، ممكن أن نسميها، يعني
+
+340
+00:36:53,280 --> 00:37:00,300
+أولاً هو كلام مدون، لكن هل كل كلام مدون يُسمى
+
+341
+00:37:00,300 --> 00:37:05,740
+تأليفاً؟ لا، طيب ما إحنا الطلاب كلهم بيدوّنوا وبنسخوا
+
+342
+00:37:05,740 --> 00:37:09,480
+من بعض وبنسخوا محاضرات وبنسخوا من الكتب، هل ما
+
+343
+00:37:09,480 --> 00:37:17,130
+يُدوّنونه يُعتبر تأليفاً؟ طبعاً لا، أيوة هو كلام مدون صحيح
+
+344
+00:37:17,130 --> 00:37:21,750
+وهو تدوين بمعناه الأعم وليس بمعناه الدقيق، يعني
+
+345
+00:37:21,750 --> 00:37:26,550
+سواء كتبت بيدك ولا ما كتبتوش ولا نُقل، يعني في كتب
+
+346
+00:37:26,550 --> 00:37:31,150
+القديمة يا إخوان، كان أحدهم لا يكتب بيده، كان هناك
+
+347
+00:37:31,150 --> 00:37:39,050
+كتبة كانوا يكتبون، يسمعون من العالم فيكتبون، حتى أن بعض
+
+348
+00:37:39,050 --> 00:37:43,970
+العلماء، وهو سجين في البئر في الـ job، كتب كتاباً من
+
+349
+00:37:43,970 --> 00:37:49,450
+ثلاثين مجلداً، لإمام الصراخسي، كان تلاميذه كانوا
+
+350
+00:37:49,450 --> 00:37:53,550
+يأتون ليلاً ويسمعون منه، يعني كان محبوس في هذا
+
+351
+00:37:53,550 --> 00:37:58,650
+المكان، على كل الأحوال، فالكلام المدوّن أولاً مش ضرورة
+
+352
+00:37:58,650 --> 00:38:05,000
+أن أنت تكون دوّنته بنفسك، ولا بالضرورة إن كل مدوّن
+
+353
+00:38:05,000 --> 00:38:10,820
+يكون مؤلفاً، وإنما هو كلام مدوّن، سواء بيدك أو بيد
+
+354
+00:38:10,820 --> 00:38:16,660
+غيرك، يعني مدوّن لك أنتَ، مدوّن عنك أنتَ، بيدك
+
+355
+00:38:16,660 --> 00:38:22,640
+أو بيد تلامذتك أو بيد الكاتب، زمان كان نسخ خصوصي
+
+356
+00:38:23,590 --> 00:38:28,130
+نسخ، ينسخون، يعني لو لاحظت في المخطوطات القديمة
+
+357
+00:38:28,130 --> 00:38:34,250
+بتلاقي المخطوطة باسم تأليف فلان، والناسخ فلان يكتب
+
+358
+00:38:34,250 --> 00:38:38,290
+اسم الناسخ، اسم الناسخ واسم المؤلف، في نساخين
+
+359
+00:38:38,290 --> 00:38:42,690
+معروفين بخطوطهم الجميلة أو قدراتهم أو إلى هذا
+
+360
+00:38:42,690 --> 00:38:50,300
+بياخذ أجرته على النسخ وبس، إذا هو الكلام المدون الذي
+
+361
+00:38:50,300 --> 00:38:55,840
+ينطوي على عمل إبداعي، هذه الشرط الأساسي، عشان
+
+362
+00:38:55,840 --> 00:39:01,400
+يُعتبر هذا مؤلفاً، عشان يُعتبر هذا مؤلفاً تُثبت له وفيه
+
+363
+00:39:01,400 --> 00:39:06,560
+حقوق، حقوق النسبة الأدبية وحقوق العائد المالي،
+
+364
+00:39:06,560 --> 00:39:11,400
+لابد أن يكون فيه إبداع، أما تيجي تنسخ، نسخ، والله
+
+365
+00:39:11,400 --> 00:39:20,680
+هذا مش إبداع طبعاً، ولا تأليف طبعاً، وهنا وقفة، ماذا
+
+366
+00:39:20,680 --> 00:39:24,800
+يُقصد بالعمل الإبداعي؟ أو هل العمل الإبداعي محصور
+
+367
+00:39:24,800 --> 00:39:32,360
+في أن تأتي بما لم يأتي به الأوائل؟ عمل جديد يعني،
+
+368
+00:39:32,360 --> 00:39:39,560
+والله إن أتيت بما لم يسبق إليه أحد من قبل، فهذا هو
+
+369
+00:39:39,560 --> 00:39:46,100
+تاج وقمة العمل الإبداعي، لكن يمكن أن يكون العمل
+
+370
+00:39:46,100 --> 00:39:51,980
+الإبداعي دون ذلك، بمعنى أنه يعني أنا بس عشان
+
+371
+00:39:51,980 --> 00:39:55,320
+أُبسِّط لكم الأمر، لو أنتم نظرتم إلى الكتب القديمة
+
+372
+00:39:55,320 --> 00:40:00,960
+وحتى الحديثة، تجد أن مؤلفاً ألف كتابة من ورقات
+
+373
+00:40:00,960 --> 00:40:08,860
+معدودة، مختصر، عشر ورقات، عشرين ورقة، تجد عالماً آخر من
+
+374
+00:40:08,860 --> 00:40:13,920
+تلاميذه أو من عصر لاحق بعده، راح لعشر ورقات
+
+375
+00:40:13,920 --> 00:40:20,920
+خَلاها خمسمئة، شرح طيب، مع أن هذا الكتاب، مع أن هذا
+
+376
+00:40:20,920 --> 00:40:28,560
+العالم الذي شرح، مسبوق، ليس يعني مبتدئ وليس مخترع
+
+377
+00:40:28,560 --> 00:40:36,120
+للِفكرة، لكنه بشرحه هذا استحق أن يكون عمله إبداعياً
+
+378
+00:40:36,120 --> 00:40:44,060
+واستحق شرحه أن يُنسب إليه، لكن مع عدم غفلة نسبة
+
+379
+00:40:44,060 --> 00:40:49,820
+الأصل لصاحبه، شرح الكتاب الفلاني للعالم الفلاني أو
+
+380
+00:40:49,820 --> 00:40:56,870
+العكس تماماً، برضه ممكن يكون العمل الإبداعي شرح، وممكن
+
+381
+00:40:56,870 --> 00:41:03,250
+يكون اختصار، في كتب، في علماء يعني توسعوا، كتب كتاب
+
+382
+00:41:03,250 --> 00:41:06,850
+من مجلدين، من ثلاثة، من ثلاثين مجلداً زي ما قلنا قبله
+
+383
+00:41:06,850 --> 00:41:12,810
+راح قال لك أنا بدي أسهّل على الناس، راح قعد سنتين، ثلاث
+
+384
+00:41:12,810 --> 00:41:17,330
+سنين، أكثر، أقل، اختصر الكتاب أو الثلاثين مجلداً في
+
+385
+00:41:17,330 --> 00:41:22,630
+ثلاثة مجلدات، أليس عملاً إبداعياً؟ بلى والله عمل إبداعي
+
+386
+00:41:22,630 --> 00:41:27,090
+ويُنسب له هذا المختصر، تفسير ابن كثير، تفسير ابن كثير
+
+387
+00:41:27,090 --> 00:41:32,110
+في مختصر تفسير ابن كثير لعالم آخر، وهكذا تجد المختصر
+
+388
+00:41:32,110 --> 00:41:37,250
+فلا بأس أن يعني ليس بالضرورة أن كل العمل الإبداعي
+
+38
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ojo4p-YiX7c_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ojo4p-YiX7c_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..320cf859eabab77da9e097700c7415a3b6edb248
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/ojo4p-YiX7c_postprocess.srt
@@ -0,0 +1,1672 @@
+1
+00:00:21,280 --> 00:00:24,560
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:24,560 --> 00:00:28,600
+على رسول الله وعلى آله وصحبه ومن اهتدى بهده واستنى
+
+3
+00:00:28,600 --> 00:00:35,980
+بصناته إلى يوم الدين وبعد نواصل وحديثنا حول الحقوق
+
+4
+00:00:35,980 --> 00:00:43,800
+المعنوية وكنا قد عرفنا في المرة الماضية أن الحقوق
+
+5
+00:00:43,800 --> 00:00:51,130
+المعنوية هي نوع من أنواع الحقوق بشكل عاموهي أحد
+
+6
+00:00:51,130 --> 00:00:56,570
+أنواع الحقوق المالية على وجه الخصوص ذلك أن الحقوق
+
+7
+00:00:56,570 --> 00:01:02,170
+كما تعرفنا على تقسيمها الماضية ولو من وجهة نظر
+
+8
+00:01:02,170 --> 00:01:09,110
+القانونيين على الأقل أن منها حقوق دوليةوحقوق غير
+
+9
+00:01:09,110 --> 00:01:13,910
+دولية الحقوق الدولية التي تتعلق بعلاقة الدولة
+
+10
+00:01:13,910 --> 00:01:22,030
+بغيرها من الدول من حيث حقها في سيادتها على أرضها
+
+11
+00:01:22,030 --> 00:01:30,430
+وشعبها من حيث حقهافي إقامة علاقات مع الدول الأخرى
+
+12
+00:01:30,430 --> 00:01:36,650
+من حيث حقها في الدفاع عن نفسها وفي شن الحرب حالة
+
+13
+00:01:36,650 --> 00:01:42,230
+الاعتداء عليها إلى غير ذلك من حيث حقها في عقد
+
+14
+00:01:42,230 --> 00:01:46,230
+المعاهدات التجارية والسياسية
+
+15
+00:01:47,200 --> 00:01:53,780
+الاقتصادية وإلى غير ذلك هذه كلها تعتبر حقوق
+
+16
+00:01:53,780 --> 00:01:59,940
+دولية كذلك ربما يعني من حيث حقها في الانضمام في
+
+17
+00:01:59,940 --> 00:02:04,720
+المنظمات الدولية كل هذه حقوق دولية تعتبر للدولة
+
+18
+00:02:04,890 --> 00:02:10,650
+وهناك من الجانب الآخر حقوق غير دولية أو كما تسمى
+
+19
+00:02:10,650 --> 00:02:18,650
+حقوق داخلية تتعلق بالدولة مع أفرادها تتعلق بالدولة
+
+20
+00:02:18,650 --> 00:02:23,750
+أو الحكومة في داخل الدولة مع سائر أفرادها وقلنا
+
+21
+00:02:23,750 --> 00:02:30,420
+بأن هذه الحقوقغير الدولية أو الداخلية أيضا لها
+
+22
+00:02:30,420 --> 00:02:36,380
+أنواع متعددة أو تنقسم إلى أقسام مختلفة منها حقوق
+
+23
+00:02:36,380 --> 00:02:44,220
+سياسية منها حقوق سياسية وهي تلكم الحقوق التي تتقرر
+
+24
+00:02:44,220 --> 00:02:47,420
+للمواطنين
+
+25
+00:02:49,310 --> 00:02:57,850
+بقصد مشاركتهم في الحياة السياسية كحق الانتخاب، حق
+
+26
+00:02:57,850 --> 00:03:04,160
+الترشيح، حق تولي الوظائف العامة أو ما سوى ذلكحقوق
+
+27
+00:03:04,160 --> 00:03:11,060
+وهي التي يعبر عنها أحيانا أو يعبر البعض عنها بأنها
+
+28
+00:03:11,060 --> 00:03:17,120
+حقوق الإنسان الحقوق الطبيعية التي تثبت لكل إنسان
+
+29
+00:03:17,120 --> 00:03:23,260
+لكل مواطن سواء يعني في داخل الدولة أو في خارج
+
+30
+00:03:23,260 --> 00:03:27,210
+الدولةوهي حتى ينظروا اليها كما اتحدثنا المرة
+
+31
+00:03:27,210 --> 00:03:31,350
+الماضية ربما ينظروا اليها من زاوية وكأنها حقوق
+
+32
+00:03:31,350 --> 00:03:36,790
+دولية حقيقة لكن لما كانت الدولة كل دولة هي المختصة
+
+33
+00:03:36,790 --> 00:03:41,250
+بتنفيذ هذه الحقوق اتبرت من باب الحقوق الداخلية لما
+
+34
+00:03:41,250 --> 00:03:46,330
+كانت الدولة هي القائمة على متابعتها وعلى رعايتها
+
+35
+00:03:46,330 --> 00:03:51,620
+هذه الحقوق العامة اللي تسمى بحقوق الإنساناللي هي
+
+36
+00:03:51,620 --> 00:03:55,180
+حقه في الحياة، حقه في التفكير، حقه في التنقل، حقه
+
+37
+00:03:55,180 --> 00:03:59,720
+في السفرة، يعني وإلى غير ذلك، هذه حقوق، حقه في
+
+38
+00:03:59,720 --> 00:04:09,710
+السكن والآمن، حقه يعني في خصوصيته، ثم الحقوقالخاصة
+
+39
+00:04:09,710 --> 00:04:17,810
+عكس العامة الخاصة او المدنية هذه الحقوق المدنية
+
+40
+00:04:17,810 --> 00:04:27,230
+التي تلكم الحقوق التي تتقرر للاشخاص
+
+41
+00:04:27,230 --> 00:04:32,950
+فيما يتعلق بعلاقتهم الخاصةبعلاقاتهم الناتجة عن
+
+42
+00:04:32,950 --> 00:04:38,470
+تحركاتهم وعلاقاتهم العائلية أو علاقات الصداقة أو
+
+43
+00:04:38,470 --> 00:04:45,630
+الجوار في داخل محيطهم، في داخل سكنهم، وهذه يعني
+
+44
+00:04:45,630 --> 00:04:53,250
+أيضا تقسم إلى أقسامحقوق الحقوق المدنية العائلية
+
+45
+00:04:53,250 --> 00:04:57,310
+اللي هو القانون العائلة أحيانا يسمى أو قانون
+
+46
+00:04:57,310 --> 00:05:02,750
+الأحوال الشخصية هذا يتفرع عنهم حقوق هذه الحقوق
+
+47
+00:05:02,750 --> 00:05:09,250
+عادة ما تنشأ نتيجة نتيجة العلاقة الزوجية نتيجة
+
+48
+00:05:09,250 --> 00:05:13,790
+علاقة القرابة والمصاهرة هذه العلاقات الزوجية أو
+
+49
+00:05:13,790 --> 00:05:18,470
+علاقة القرابة أو علاقة المصاهرة تترتب عليها حقوق
+
+50
+00:05:18,950 --> 00:05:26,950
+وتفرزوا حقوقا للزوجين نحو بعضهم الآخر للأقارب نحو
+
+51
+00:05:26,950 --> 00:05:36,630
+بعضهم البعض وحتى لأفراد النسب أو المصاهرة كل هؤلاء
+
+52
+00:05:36,630 --> 00:05:41,130
+بينهم حقوق وما أكثر هذه الحقوق لسنا في الموضوع
+
+53
+00:05:41,130 --> 00:05:52,180
+البيان لهاوأنه الآخر اللي هو الحقوق دعنا نسميها
+
+54
+00:05:52,180 --> 00:05:57,340
+المالية التي هي مقصودنا الحقوق المالية لأن كل
+
+55
+00:05:57,340 --> 00:06:04,100
+حديثنا انما يتعلق بقضايا مالية وما بياننا لكل هذه
+
+56
+00:06:04,100 --> 00:06:10,620
+الأقسام إلا من أجل أن نبين موقع الحقوق المعنوية من
+
+57
+00:06:10,620 --> 00:06:16,560
+بين سائر الحقوق وبيان الجانب المالي منهاعلاقات أو
+
+58
+00:06:16,560 --> 00:06:22,500
+حقوق شخصية الخاصة منها خصوصيات يعني دعنا نسميها
+
+59
+00:06:22,500 --> 00:06:29,580
+أدبية وعلاقات عائلية وإلى غير ذلك وحقوق مالية حقوق
+
+60
+00:06:29,580 --> 00:06:34,540
+مالية المال أصعب الحياة المال شيء طبيعي في حياة
+
+61
+00:06:34,540 --> 00:06:42,120
+الناس لا يستطيعون التحرك ولا التطور بدونهمهذه
+
+62
+00:06:42,120 --> 00:06:48,320
+الحقوق المالية ايضا يعني لها صور او لها اقسام منها
+
+63
+00:06:48,320 --> 00:06:55,920
+يعني حقوق تثبت لشخص نحو شخص لأنه دائن لهو او ان ذا
+
+64
+00:06:55,920 --> 00:07:01,300
+كمدين لهو هذه تسمى حقوق شخصية انا حقي عليك انت
+
+65
+00:07:01,300 --> 00:07:07,140
+أخدت مني الكتاب لمدة اسبوع رجالية حقيبعد أسبوع أنت
+
+66
+00:07:07,140 --> 00:07:13,120
+رد لي هذا الكتاب، أعطيتك مالا معينا لمدة عام، حقي
+
+67
+00:07:13,120 --> 00:07:18,080
+أن ترد لي هذا القرض، حقي عليك، حق شخصي، هذا حق
+
+68
+00:07:18,080 --> 00:07:23,980
+شخصي، لا ينزعني فيه أحد، وحق عيني، يعني وهي سلطة
+
+69
+00:07:23,980 --> 00:07:28,700
+الإنسان على الشاي، بغض النظر أخده شخص آخر أو لم
+
+70
+00:07:28,700 --> 00:07:36,750
+يأخذهانا هذا الكتاب ليه ان حقي سلط عليه بالتصرف
+
+71
+00:07:36,750 --> 00:07:43,470
+كيف ما اشاء اوطيه لمن اشاء امنعه عن من اشاء ابيعه
+
+72
+00:07:43,470 --> 00:07:52,220
+و اجره احتفظ بهأو أي شيء أخر بالبيت هذا يسمى حق
+
+73
+00:07:52,220 --> 00:07:57,700
+عيني والنوم الثالث وهو المقصود لدى الحق المعنوي
+
+74
+00:07:57,700 --> 00:08:04,420
+وهي تلك السلطة التي تثبته على أشياء غير مادية يعني
+
+75
+00:08:04,420 --> 00:08:10,470
+الحقوق الشخصيةحقيقة ربما تشمل تثبت لشخص على شخص
+
+76
+00:08:10,470 --> 00:08:14,830
+وتتعلق بعينية ومعنوية لكن العينية تتعلق بأشياء
+
+77
+00:08:14,830 --> 00:08:20,570
+مادية محسوسة أما المعنوية فإنها تتعلق بأشياء غير
+
+78
+00:08:20,570 --> 00:08:29,650
+مادية هي ثمرته يعني الفكر والإنتاج العقلي ليس إلا
+
+79
+00:08:30,030 --> 00:08:36,650
+وليست يعني وميزتها أنها يعني لا .. ليس لها شيء أو
+
+80
+00:08:36,650 --> 00:08:42,370
+دعني أقول لا يمكن أن تحاز في مكان يعني شيء معنوي
+
+81
+00:08:42,370 --> 00:08:46,510
+.. شيء المعنوي لا يوضع في مكان أو في صندوق أو في
+
+82
+00:08:46,510 --> 00:08:51,350
+.. لا يرى بالعين المجردة هذا ما يقصده بالحقوق
+
+83
+00:08:51,350 --> 00:08:53,370
+المعنوية
+
+84
+00:08:55,440 --> 00:09:00,720
+قلنا بأن هذه الحقوق المعنوية هي مقصودنا من الحديث
+
+85
+00:09:00,720 --> 00:09:06,080
+ومقصودنا من الحديث في الحقوق المعنوية أو عن الحقوق
+
+86
+00:09:06,080 --> 00:09:11,140
+المعنوية بالدرجة الأساسية هو إيه معرفة ما إذا كان
+
+87
+00:09:11,140 --> 00:09:17,520
+يجوز أخذ بدل مالي عنها أو لا هذا هو المقصود لأن
+
+88
+00:09:17,520 --> 00:09:23,440
+الحقوق المعنوية من حيث هييعني دعنا نقول أنها
+
+89
+00:09:23,440 --> 00:09:31,320
+معروفة وثابتة ولا ينكرها أحد قديما
+
+90
+00:09:31,320 --> 00:09:36,080
+وحديثا يعني العلماء
+
+91
+00:09:36,080 --> 00:09:41,120
+المسلمين يا إخوة عقفوا الحقوق المعنوية بل إن
+
+92
+00:09:41,120 --> 00:09:48,390
+الإنسان كإنسان هو أساسا مركبمن جسد وروح الجانب
+
+93
+00:09:48,390 --> 00:09:55,450
+الروحي الجانب المعنوي معترف به ومحل اهتمام من قبل
+
+94
+00:09:55,450 --> 00:10:02,990
+الإسلام اهتماما كبيرا والإسلام يعني يثبت حقوقا
+
+95
+00:10:02,990 --> 00:10:09,440
+معنوية حقيقة للإنسان كما يثبت حقوقامادية يعني ده
+
+96
+00:10:09,440 --> 00:10:12,660
+يعني امثل هنا مثلا قبل ان ادخل في الحقوق المعنوية
+
+97
+00:10:12,660 --> 00:10:18,340
+من حيث كون البدل المالي جائز او غير جائز لكن
+
+98
+00:10:18,340 --> 00:10:20,940
+الحقوق المعنوية في الاصل مقروحة في الإسلام أيها
+
+99
+00:10:20,940 --> 00:10:26,360
+الأخوة والترامة ومعتبرةيعني لو أن إنسان اتهم إنسان
+
+100
+00:10:26,360 --> 00:10:34,060
+طهمة معينة، طهمة تتعلق بجانب الحاسيس والمشاعر،
+
+101
+00:10:34,060 --> 00:10:40,270
+اتهمه طهمة بأنه يرتكب الفاحشة مثلا، اتهمه ..يعني
+
+102
+00:10:40,270 --> 00:10:44,830
+هذه التهمة ليست مادية، هذه تهمة معنوية تعلقة بها
+
+103
+00:10:44,830 --> 00:10:52,010
+شيء معنى وتعلق بها مشاعر واحاسيس تحركت
+
+104
+00:10:52,010 --> 00:10:58,430
+بالنسبة للإنسان المتهم، فيصبح هذا الإنسان المتهم
+
+105
+00:10:58,430 --> 00:11:04,080
+له الحقإذا لم تكن هذه التهمة صحيحة، أن ندافع عن
+
+106
+00:11:04,080 --> 00:11:10,240
+نفسه، وأن يجب هذه التهمة عن نفسه، والشريعة
+
+107
+00:11:10,240 --> 00:11:19,760
+الإسلامية إذا لم يثبت المتهم تهمته على من اتهمه،
+
+108
+00:11:19,760 --> 00:11:21,240
+فإنها تعقبه
+
+109
+00:11:23,550 --> 00:11:28,410
+لو وحد يقول انا ما جرحته ولا كسرت ايده ولا قطعت
+
+110
+00:11:28,410 --> 00:11:34,810
+أصبعه ولا ضربته هذه أشياء مادية لكن انت جرحت
+
+111
+00:11:34,810 --> 00:11:39,010
+مشاعره زي ما بنقول جرحت مشاعره هذا هو الحق المعنى
+
+112
+00:11:39,010 --> 00:11:44,530
+المشاعر متعلقة بالمشاعر أو أفكار أو أشياء غير
+
+113
+00:11:44,530 --> 00:11:51,210
+محازة يعني ولذلك ربنا سبحانه وتعالى فيما يعني
+
+114
+00:11:51,210 --> 00:11:59,260
+اعتبرهالاتداءات المنوية أو بعض الاتداءات المنوية
+
+115
+00:11:59,260 --> 00:12:05,080
+جريمة جريمة تستحق العقوبة يعني ماذا قال ربنا
+
+116
+00:12:05,080 --> 00:12:09,240
+سبحانه وتعالى والذين يرمون
+
+117
+00:12:15,950 --> 00:12:20,370
+والذين يرمون المحصنات، والذين يرمون المحصنات، ثم
+
+118
+00:12:20,370 --> 00:12:26,670
+لم يأتوا بأربعة شهداء، فاجلدوهم ثمانين جلدة،
+
+119
+00:12:26,670 --> 00:12:33,010
+شوفوا، لحظة، مع أن التهمة معنوية، لكن العقوبة
+
+120
+00:12:33,010 --> 00:12:39,220
+مدية، لكن مش بس، وفي عقوبة كمان معنوية أخرىعقوبة
+
+121
+00:12:39,220 --> 00:12:44,260
+مادية وعقوبات معنوية أخرى فاجلدوهم ثمانين جلدة ولا
+
+122
+00:12:44,260 --> 00:12:50,260
+تقبلوا لهم شهادة أبدا عدم قبول الشهادة شئمانه ولا
+
+123
+00:12:50,260 --> 00:12:56,760
+لا انا ماقبل شهادة فلان انا مش .. يعني ليس في ..
+
+124
+00:12:56,760 --> 00:13:04,380
+لا اتعلق به يعني نقصان في جسده ولا ألم ولا غيرهلكن
+
+125
+00:13:04,380 --> 00:13:09,660
+أمر معنوي بظل أيه؟ يعني يستشعر به، ولا تقبلوا لهم
+
+126
+00:13:09,660 --> 00:13:15,600
+شهادة أبدا، وكمان هناك وصف آخر معنوي كذلك ديني،
+
+127
+00:13:15,600 --> 00:13:17,840
+وأولئك هم الفاسقون
+
+128
+00:13:20,660 --> 00:13:26,400
+مسألة الجوانب المعنوية معتقرة يا إخوة في الإسلام و
+
+129
+00:13:26,400 --> 00:13:32,100
+هنا أنا إنما قصدته من هذا الكلام
+
+130
+00:13:32,100 --> 00:13:35,940
+أنه قد يتساءل المتسائل إذا كانت الحقوق المعنوية
+
+131
+00:13:35,940 --> 00:13:45,100
+معروفة لدى المسلمين منذ القدم طب ألسنا نريد أن
+
+132
+00:13:45,100 --> 00:13:51,240
+نتحدث عن قضايا معاصرة؟هنا نعم احنا لسنا نتحدث عن
+
+133
+00:13:51,240 --> 00:13:59,180
+الحق المقنوي من حيث وهوأو من حيث إنه قضية جديدة
+
+134
+00:13:59,180 --> 00:14:07,380
+ولكن إنما نتحدث عن الحق المعنوي من حيث جواز
+
+135
+00:14:07,380 --> 00:14:13,100
+أو عدم جواز أخذ البدل المالي عنهم هذه القضية التي
+
+136
+00:14:13,100 --> 00:14:18,200
+ربما لم يبحثها الفقهاء القدامى
+
+137
+00:14:20,070 --> 00:14:27,330
+وإنما كانت محل بحث من قبل العلماء المعاصرين الذين
+
+138
+00:14:27,330 --> 00:14:31,590
+استفصلوا
+
+139
+00:14:31,590 --> 00:14:35,890
+في هذه القضية نتيجة أسباب متعددة
+
+140
+00:14:38,370 --> 00:14:45,750
+الحق المعنوي أو الحقوق المعنوية التي نقصدها
+
+141
+00:14:45,750 --> 00:14:50,450
+هنا عرفناها بدأنا نتحدث فيها المرة الماضية أيضا
+
+142
+00:14:50,450 --> 00:14:54,910
+ربما أليس كذلك بدأنا نتحدث عنها المرة الماضية
+
+143
+00:14:54,910 --> 00:15:01,170
+وقلنا بأنها عبارة عن سلطة لشخص اي الحقوق المعنوية
+
+144
+00:15:01,170 --> 00:15:06,810
+اجمالا اللي حق التأليف واحد منهاهى عبارة عن سلطة
+
+145
+00:15:06,810 --> 00:15:13,930
+لشخص على شيء غير مادى و ثمرته فكره او خياله او
+
+146
+00:15:13,930 --> 00:15:22,030
+نشاطه و ذلك كحق المؤلف و كحق المخترع و كحق الرسام
+
+147
+00:15:22,030 --> 00:15:30,550
+و الفنانوكحق التاجر في ما كوّنه من سمعة وشهرة
+
+148
+00:15:30,550 --> 00:15:35,810
+تجارية مع أنها شيء غير يعني ملموس أو غير محسوس كل
+
+149
+00:15:35,810 --> 00:15:41,610
+هذه تعتبر من جملة الحقوق المعنوية التي يمكنأن يكون
+
+150
+00:15:41,610 --> 00:15:49,950
+لها بدل مادى فهل إذا أخد البدل المادى هذا الشخص
+
+151
+00:15:49,950 --> 00:15:55,210
+صاحب الحق يعني يجوز له ذلك ام لا يجوزه قولنا يا
+
+152
+00:15:55,210 --> 00:16:05,070
+اخوان ايضا المرة الماضية ان الحقوق
+
+153
+00:16:05,070 --> 00:16:08,270
+المعنوية
+
+154
+00:16:10,270 --> 00:16:17,590
+يترتب عليها يعني اكثر من جانب بمعنى ان الحق
+
+155
+00:16:17,590 --> 00:16:24,110
+المعنوي هذا اما ان يتعلق
+
+156
+00:16:24,110 --> 00:16:32,470
+بحق لصاحب لصاحبه او يتعلق بحق حتى للامة جميعا ثم
+
+157
+00:16:32,470 --> 00:16:39,720
+انما يتعلق بالانسان بصاحبه له شكلانقلنا في حاجة
+
+158
+00:16:39,720 --> 00:16:48,440
+اسمها حق أدبي وهو ايه نسبة الحق لصاحبه يعني
+
+159
+00:16:48,440 --> 00:16:55,280
+المخترع لما اخترع اي اختراع المؤلف عندما ألف كتابا
+
+160
+00:16:55,280 --> 00:17:05,330
+الشهرة الاله غير ذلكتثبت نسبتها .. هذه الحقوق تثبت
+
+161
+00:17:05,330 --> 00:17:12,730
+نسبتها لأصحابها وبلا خلاف وتعتبر
+
+162
+00:17:12,730 --> 00:17:18,290
+يعني من باب الحقوق الأدبية إن قد هذا الكتاب باسم
+
+163
+00:17:18,290 --> 00:17:24,190
+فلان هذا أمر يعني من المسلمات لا يجوز بحال لا يقبل
+
+164
+00:17:24,190 --> 00:17:31,080
+بحال من الأحوالأدبا ولا قانونا ولا دينا ولا خلقا
+
+165
+00:17:31,080 --> 00:17:36,380
+ان انا اجي اشطب اسم فلان واحط اسم علان او احط اسم
+
+166
+00:17:36,380 --> 00:17:42,360
+بداله هذا .. هذا .. هذا تجاوز هذا خيانة هذا سرقة
+
+167
+00:17:42,360 --> 00:17:50,720
+معنوية إلى غير ذلك فالنسبة لابد ان تفقد وهذا ما لا
+
+168
+00:17:50,720 --> 00:17:51,440
+خلافة فيه
+
+169
+00:17:54,680 --> 00:17:58,620
+هناك حق طبعا هذا حق أدبي انا والاي واحد يقولي انا
+
+170
+00:17:58,620 --> 00:18:02,520
+والاي استفدت بيعت واشتريت من ان جابطت وصرفت من
+
+171
+00:18:02,520 --> 00:18:08,080
+النسبة انا بدي الأهم من النسبة الأهم من الجانب
+
+172
+00:18:08,080 --> 00:18:14,280
+المعنوي وهو الجانب المالي انا بدي انا يكون الي حق
+
+173
+00:18:14,280 --> 00:18:20,560
+مالييكون الحق في التصرف يعني أخذ بدل مالي عن مؤلفي
+
+174
+00:18:20,560 --> 00:18:27,720
+أبيعه أتصرف فيه أو يعني أعطيه لدار نشر أخذ بدل
+
+175
+00:18:27,720 --> 00:18:33,360
+مالي هذا يسمى حق مالي إذا هناك حق أدبي لا خلافة
+
+176
+00:18:33,360 --> 00:18:37,680
+فيه و هناك حق مالي الحق المالي فيه خلاف الحق
+
+177
+00:18:37,680 --> 00:18:41,720
+المالي فيه خلاف سواء في حق التأليف أو حق براءة
+
+178
+00:18:41,720 --> 00:18:48,700
+الإختراع أو أو إلى غيرذلك من الحقوق هذا ما سنحاول
+
+179
+00:18:48,700 --> 00:18:55,760
+أن نناقشه قبل أن نشير إلى الحق المالي في نظر
+
+180
+00:18:55,760 --> 00:19:03,240
+الشريعة الإسلامية أود أن أقول أن القوانين الوضعية
+
+181
+00:19:03,240 --> 00:19:06,280
+وفي
+
+182
+00:19:06,280 --> 00:19:17,370
+وقت مبكريعني لحد ما قد التفتت إلى هذه الحقوق و
+
+183
+00:19:17,370 --> 00:19:23,310
+حمايتها يعني يمكننا أن نقول أنه منذ ما يزيد على
+
+184
+00:19:23,310 --> 00:19:28,270
+120 عاما في عام 1883
+
+185
+00:19:32,880 --> 00:19:41,240
+وجدت اول او عرفت اول اتفاقية لحماية الحقوق
+
+186
+00:19:41,240 --> 00:19:48,220
+المعنوية وعلى رأسها حق التأليف اتفاقية بين الدول
+
+187
+00:19:48,220 --> 00:19:58,170
+لحماية حق التأليف وتمكين صاحب المؤلف انيأخذ حقه
+
+188
+00:19:58,170 --> 00:20:03,370
+سواء حقه الأدبي أو حقه المالي أو حقه الرقابي أو
+
+189
+00:20:03,370 --> 00:20:06,970
+حقه في التصحيح والتعديل أو إلى غير ذلك
+
+190
+00:20:12,470 --> 00:20:19,650
+هذه الاتفاقية يعني حقيقة عقبتها اتفاقيات يعني
+
+191
+00:20:19,650 --> 00:20:26,230
+متعددة كلها من شأنها تعديل وتطوير هذه الاتفاقية
+
+192
+00:20:26,230 --> 00:20:36,280
+بحيث تزداد سعةدائرة الحماية لحقوق المؤلفين أو
+
+193
+00:20:36,280 --> 00:20:43,560
+لأصحاب الحقوق المعنوية وحقوق الإبتكارفده هو يعني و
+
+194
+00:20:43,560 --> 00:20:52,240
+أصبح هناك جهات عالمية أو دولية تعين أو تساعد
+
+195
+00:20:52,240 --> 00:21:01,340
+المؤلفين الذين سرقت حقوقهم أو غضبت أو ترضي عليها
+
+196
+00:21:01,340 --> 00:21:08,720
+تساعدهم في الوصول إلى حقوقهم والمطالبة بالتعويضات
+
+197
+00:21:08,720 --> 00:21:16,640
+عنهاو جدًا فالقانون يعني حقيقة أن نقول أنه كان
+
+198
+00:21:16,640 --> 00:21:24,600
+مبادرا في ذلك لكن هنا يعني نريد أن نقول هل تأخرت
+
+199
+00:21:24,600 --> 00:21:33,320
+الشريعة الإسلامية عن بيان هذا الحكم في هذه المسألة
+
+200
+00:21:33,320 --> 00:21:40,350
+و هل من شأن الشريعة أن تتأخرالحقيقة يا اخوة دعنا
+
+201
+00:21:40,350 --> 00:21:47,250
+نقول أولا أنه ما كان للشريعة ولا من صفتها أن تتأخر
+
+202
+00:21:47,250 --> 00:21:53,570
+عن البيان للأحكام وقد قلنا في بدايات حديثناسابقا
+
+203
+00:21:53,570 --> 00:22:01,390
+في محاضرات سابقة أن من صفات الشريعة صلاحيتها لكل
+
+204
+00:22:01,390 --> 00:22:08,450
+زمان وكل مكان وأنه ما من قضية تجد أو تستحدث إلا
+
+205
+00:22:08,450 --> 00:22:17,510
+وينبغي أن يهب العلماء والمجتهدون لبيان حكمها
+
+206
+00:22:19,270 --> 00:22:27,590
+لكن كل ما كان ذلك ايه؟ كل ما كانت القضية موجودة
+
+207
+00:22:27,590 --> 00:22:34,910
+وواقعة، كل ما كانت القضية موجودة وواقعة والناس في
+
+208
+00:22:34,910 --> 00:22:40,430
+حاجة إليها، لكن إذا كانت القضية افتراضيةأو إذا
+
+209
+00:22:40,430 --> 00:22:46,930
+كانت القضية ليست متعلقة بقضايا العالم الإسلامي،
+
+210
+00:22:46,930 --> 00:22:54,030
+فلا يكون الأمر واجبا في هذه الحالةاحنا قلنا يا
+
+211
+00:22:54,030 --> 00:23:01,290
+اخوة انه في على مر الاصور الإسلامية لم تكن ثمة و
+
+212
+00:23:01,290 --> 00:23:07,590
+الخلافات الأموية و العباسية حتى الأثمانية لم يكن
+
+213
+00:23:07,590 --> 00:23:14,570
+ثمة حاجة لبحث هذه القضية لأن المؤلفين و المخترعين
+
+214
+00:23:14,570 --> 00:23:23,560
+و العلماء كانوا يعني ايه يجدون رعاية خاصةتتحقق لهم
+
+215
+00:23:23,560 --> 00:23:29,180
+بها الكفاية
+
+216
+00:23:30,140 --> 00:23:39,440
+و في المسكن و الملبس و المأكل و المشرب و حتى
+
+217
+00:23:39,440 --> 00:23:46,340
+الجانب المعنوي من حيث الاحترام و التقدير بحيث لم
+
+218
+00:23:46,340 --> 00:23:50,720
+يكن يفكر العالم .. العالم او المجتهد او المؤلف او
+
+219
+00:23:50,720 --> 00:23:59,010
+المخترق في بيع او شراع كل حاجته مكفيةكل حاجته
+
+220
+00:23:59,010 --> 00:24:04,830
+مكفية من قبل الدولة يعني حتى اليوم يا اخوة بعض
+
+221
+00:24:04,830 --> 00:24:11,830
+الدول كأمريكا بعض الدول اليوم بيستجلب العقول
+
+222
+00:24:11,830 --> 00:24:20,070
+العقول العلماء العلماء المفكرين من مصر من السعودية
+
+223
+00:24:20,070 --> 00:24:28,630
+من أي دولة تعال خد ما شئت هايمرتب شهري هاي سيارة
+
+224
+00:24:28,630 --> 00:24:34,110
+أحدث موديل هاي villa هاي هاي وانت بس اشتغل وشغلك
+
+225
+00:24:34,110 --> 00:24:40,870
+لمين للدولة شغل للدولة شغل للدولة مقابل دعنا نقول
+
+226
+00:24:40,870 --> 00:24:45,830
+يعني دعني اقول يا اخوة انه وان لم .. انا عايز اصلح
+
+227
+00:24:45,830 --> 00:24:53,080
+شغل انه وان لم نجد علماء انا القدامىقد بحثوا
+
+228
+00:24:53,080 --> 00:25:02,000
+تفصيلا في هذه المسألة إلا أن الظاهرة من خلال يعني
+
+229
+00:25:02,000 --> 00:25:10,720
+الاستقرار للتاريخ و للمعاملات نجد أنه .. أن هناك
+
+230
+00:25:10,720 --> 00:25:16,940
+ما يومئ بجواز أخذ البدل المالي ذلك أن هذا العالم
+
+231
+00:25:16,940 --> 00:25:27,200
+إنما أخذ ما أخذمن مسكن وراحلة ومصاريف
+
+232
+00:25:27,200 --> 00:25:36,540
+لبيته وأهله وأولاده مقابل ماذا؟ مقابل سواد عيونه؟
+
+233
+00:25:36,540 --> 00:25:43,110
+لماذا لم يكن شخص آخر هو الذي نال كذلك؟مقابل جهده
+
+234
+00:25:43,110 --> 00:25:48,610
+الفكري، مقابل تأليفه وتصنيفه، فليس بالضرورة أن
+
+235
+00:25:48,610 --> 00:25:52,690
+المسألة تكون مسألة يعني بيع وشراء على نحو الذي
+
+236
+00:25:52,690 --> 00:26:02,740
+نعرفه اليوم، لكن مع ذلك كلهنحن ما وجدناه أنهم أو
+
+237
+00:26:02,740 --> 00:26:07,880
+لأجل ذلك دعنا نقول لم يبحثوا هذه المسألة لم يبحثوا
+
+238
+00:26:07,880 --> 00:26:15,780
+هذه المسألة لأنه لم يكن ثم تحاجة إلى بحثها ولكن في
+
+239
+00:26:15,780 --> 00:26:20,830
+الدول الأوروبيةلأن الاتفاقيات هذه اللي تمت يا أخوة
+
+240
+00:26:20,830 --> 00:26:29,830
+تمت في أوروبا في باريس و برلين بعد ذلك و غيرها تمت
+
+241
+00:26:29,830 --> 00:26:38,270
+في هذه التي ترتب عليها قانون حماية حقوق الإبتكار
+
+242
+00:26:38,750 --> 00:26:44,150
+هذه القوانين يعني لما .. ان ال .. لما وجد العلماء
+
+243
+00:26:44,150 --> 00:26:50,050
+أنفسهم يعني تائهين غير مرعيين من قبل دولهم مش كل
+
+244
+00:26:50,050 --> 00:26:54,030
+الدول اللي يعني كانت بترعى العلم والعلماء خاصة في
+
+245
+00:26:54,030 --> 00:26:57,190
+فترات يعني ال .. أوروبا يا إخوة جديد بدت تهتم
+
+246
+00:26:57,190 --> 00:27:00,950
+بالقضايا هذه لأن في فترات الظلام أو في فترات
+
+247
+00:27:00,950 --> 00:27:05,170
+العصور الوسطى أو في فترات تسلط الكنيسة كان هناك
+
+248
+00:27:05,170 --> 00:27:11,580
+حرب ضد العلماءمش بس عدم تقدير و عدم جواز ل .. لأ
+
+249
+00:27:11,580 --> 00:27:17,080
+كان محاربة لهم فلذلك يا أخوة يعني هذه نشأت القضايا
+
+250
+00:27:17,080 --> 00:27:24,880
+جواز و عدم جواز و في أوروبا اللتي لم تقم حكوماتها
+
+251
+00:27:24,880 --> 00:27:30,000
+بدورها نحوالعلماء فبدأ يعني العلماء يطالبون
+
+252
+00:27:30,000 --> 00:27:38,100
+بحقوقهم هذه واستجابت القوانين لهم لكن يا اخوة لما
+
+253
+00:27:38,100 --> 00:27:44,640
+سارت دولنا الإسلامية بعد أن تمزقتبعد الخلافة و
+
+254
+00:27:44,640 --> 00:27:49,060
+أصبح الدولات هنا و هناك صارت على نفس النظام تبع
+
+255
+00:27:49,060 --> 00:27:53,660
+الحكومات الأوروبية ربما بل أقل درجة يعني الحكومات
+
+256
+00:27:53,660 --> 00:27:57,020
+الأوروبية بدأت عادت لتستعيد اهتمامها بالعلم و
+
+257
+00:27:57,020 --> 00:28:01,520
+العلماء لكن احنا دولنا العربية و الإسلامية ظلت على
+
+258
+00:28:01,520 --> 00:28:06,200
+ما هي عليه من ترك و إهمان العلم و العلماء مافيش
+
+259
+00:28:06,200 --> 00:28:09,880
+تشجيع للبحث العلمي مافيش تشجيع للتأليف و التصنيف
+
+260
+00:28:09,880 --> 00:28:14,770
+مافيش تشجيع للاختراعاتفصار كل واحد يدور اللي
+
+261
+00:28:14,770 --> 00:28:18,890
+بختارها ولا اللي بيقلف يدور على طريقة يتكسب من
+
+262
+00:28:18,890 --> 00:28:25,490
+ورائها ويعني من خلال تسويق منتجه
+
+263
+00:28:27,710 --> 00:28:33,090
+إن وجد من يشتريه أو إن وجد من ينتفع به بمقابل أو
+
+264
+00:28:33,090 --> 00:28:38,610
+إلى غير ذلك ثم يعني مع وجود هذه المؤسسات الدولية
+
+265
+00:28:38,610 --> 00:28:46,350
+هنا وهناك التي بدأت ترعى هذه الحقوقسواء في هذه
+
+266
+00:28:46,350 --> 00:28:50,450
+الدولة أو في تلك يعني بدأت بعض الدول يا إخوة
+
+267
+00:28:50,450 --> 00:28:57,350
+الإسلامية والعربية تنظم إلى قافلة الدول التي تحمي
+
+268
+00:28:57,350 --> 00:29:02,210
+حقوق العلماء وهذا سلاح ذو حدين بالمناسبة يعني هي
+
+269
+00:29:02,210 --> 00:29:08,830
+لما تنظم إلى هذه الاتفاقيات هي أولا تحفي نفسها من
+
+270
+00:29:08,830 --> 00:29:13,330
+مسئوليات مكافئة
+
+271
+00:29:15,010 --> 00:29:20,190
+العلماء او المخترعين او المؤلفين انت من حقك مدام
+
+272
+00:29:20,190 --> 00:29:27,170
+احنا بنعطيك الحق و بنحميك انك تنتفع ماليا و ماديا
+
+273
+00:29:27,170 --> 00:29:35,690
+بمنتجك و بمؤلفكده انت وشطرتك وإذا واحد بعتدي عليك
+
+274
+00:29:35,690 --> 00:29:41,330
+احنا بنتبع الموضوع يعني هذا فقط ما يعني تقوم به
+
+275
+00:29:41,330 --> 00:29:49,090
+الحكومات ربما اليوم على كل الأحوال كل هذا يا اخوة
+
+276
+00:29:49,090 --> 00:29:53,810
+يعني بين يدي الحديث عن آراء العلماء في البدل
+
+277
+00:29:53,810 --> 00:29:58,750
+المالي اللي هو مقصودنا الأساسي في حق التأليف قلنا
+
+278
+00:29:58,750 --> 00:30:05,090
+يا اخوة ان حق التأليفهو أول صورة أو إحدى صور
+
+279
+00:30:05,090 --> 00:30:13,730
+الحقوق المعنوية إحدى صور الحقوق المعنوية فما هو أو
+
+280
+00:30:13,730 --> 00:30:22,970
+فماذا يقصده بحق التأليف وما هي أراء العلماء في أخذ
+
+281
+00:30:22,970 --> 00:30:31,260
+البدل المالي عنه التأليف أيها الإخوة الكراممعناه
+
+282
+00:30:31,260 --> 00:30:41,760
+في لغة العرب الجمع والضم ألف يؤلف تاليفا أي جمع
+
+283
+00:30:41,760 --> 00:30:53,860
+يجمع جمع و سواء كان هذا الجمعمتعلقا بأمور مادية أو
+
+284
+00:30:53,860 --> 00:30:59,380
+بأمور معنوية كله يسمى تأليف الأصل الجمع يعني أنا
+
+285
+00:30:59,380 --> 00:31:03,660
+لو جمعت الكراسي في غرفة واحدة هذا تجميع مادي أو
+
+286
+00:31:03,660 --> 00:31:11,400
+تأليف مادي لكن إذا يعني ألفت أو جمعت بين مجموعة من
+
+287
+00:31:11,400 --> 00:31:19,030
+الأفراد يعني من حيث الأمزجاتوالافكار و التوجهات
+
+288
+00:31:19,030 --> 00:31:24,910
+هذا تأليف معنوي لكن إذا جمعتهم في مكان واحد مع بعض
+
+289
+00:31:24,910 --> 00:31:29,050
+كل واحد عاجله أو تجاه شكل هذا مااسموش تأليف معنوي
+
+290
+00:31:29,050 --> 00:31:35,530
+هذا تسموه تأليف يعني مادي أو شكلي فالتأليف هو
+
+291
+00:31:35,530 --> 00:31:42,590
+الجمع حقيقة بين الأشياء المادية كانت أو المعنوية
+
+292
+00:31:42,590 --> 00:31:48,600
+لكن حقيقة يا إخوةليس كل جمع يُعتبر أو يمكن أن
+
+293
+00:31:48,600 --> 00:31:56,600
+نسميه تأليفا، ذلك أن التأليف هو جمع من نوع خاص،
+
+294
+00:31:56,600 --> 00:32:04,820
+جمع من نوع خاص، إيش الخصوصية؟ الخصوصية أنه يجمع
+
+295
+00:32:04,820 --> 00:32:11,300
+بين الأشياء المتناسبةاه يجمعوا بين الأشياء
+
+296
+00:32:11,300 --> 00:32:17,100
+المتناسبة يعني انا لما انا احط ابنك مع طولات مع
+
+297
+00:32:17,100 --> 00:32:19,840
+كمبيوترات ما اسموش تأليف
+
+298
+00:32:22,720 --> 00:32:26,660
+التأليف لكن لو كل الكراسي محطو طايق بس كراسي
+
+299
+00:32:26,660 --> 00:32:34,120
+ومصفطة كمان بشكل مرتب يعني هذا هذا الجمع مرتب جمع
+
+300
+00:32:34,120 --> 00:32:41,480
+التأليف جمع مناسق جمع مرتب متناسق هذا هو التأليف
+
+301
+00:32:41,480 --> 00:32:47,020
+ولذلك نحن نجد في الكتب الكتب سميت مؤلفات الكتب
+
+302
+00:32:47,020 --> 00:32:56,830
+حقيقة تراءة فيها أدقمستويات يعني ايه التناسق تجد
+
+303
+00:32:56,830 --> 00:33:02,950
+اي .. انت افتح اي كتاب تلاقي مقدمة المقدمة مشتملة
+
+304
+00:33:02,950 --> 00:33:07,930
+على المحتويات مثلا اما المحتويات في النهاية او في
+
+305
+00:33:07,930 --> 00:33:14,390
+البداية او على يعني بيان يعني على الأقل اهم
+
+306
+00:33:14,390 --> 00:33:20,210
+الموضوعاتبتلاقي هذا الكتاب يجتمل على ثلاثة فصول،
+
+307
+00:33:20,210 --> 00:33:26,770
+الفصل الأول فيه ثلاثة مباحث، المباحث مرتبطة
+
+308
+00:33:26,770 --> 00:33:32,160
+بالفصل، الفصول كلها متناغمة يسلموا بعضها إلى بعضأه
+
+309
+00:33:32,160 --> 00:33:36,700
+في في النهاية نتائج وخاتمة أو كذا كل الكتاب يدور
+
+310
+00:33:36,700 --> 00:33:41,320
+حول موضوع واحد مابشذش كل فصل يختلف صحيح عن الفصل
+
+311
+00:33:41,320 --> 00:33:48,420
+اللي بعده لكنه يتفق معاه في أمور في يعني ملحمة
+
+312
+00:33:48,420 --> 00:33:55,250
+تناسقية متناسبة في الفكرأو في الطرح أو في التصميم
+
+313
+00:33:55,250 --> 00:34:00,670
+فلذلك لها عجب أن يسمى يعني ما يُكتب بهذه الطريقة
+
+314
+00:34:00,670 --> 00:34:08,930
+مؤلفا أو تأليفا لأنه جمع متناسب جمع مرتب جمع
+
+315
+00:34:08,930 --> 00:34:15,050
+متسلسلوهكذا فالتأليف
+
+316
+00:34:15,050 --> 00:34:20,630
+حقيقة هو اتجمع للأشياء المتناسبة وكان أشار بعض
+
+317
+00:34:20,630 --> 00:34:26,470
+علماء اللغة يعني إلى ذلك
+
+318
+00:34:27,710 --> 00:34:33,390
+أما اصطلاحا التأليف اصطلاحا يعني حقيقة لا يختلف
+
+319
+00:34:33,390 --> 00:34:39,090
+ربما كثيرا المعنى الاصطلاحي للتأليف عن المعنى
+
+320
+00:34:39,090 --> 00:34:43,250
+اللغوي فإذا كان المعنى اللغوي هو جمل الأشياء
+
+321
+00:34:43,250 --> 00:34:50,970
+المتناسبة لكن التأليف اصطلاحا يعني اكثره اختصاصا
+
+322
+00:34:51,330 --> 00:34:59,310
+أكثر خصوصية لأنه انما يتعلق بالتصنيف
+
+323
+00:34:59,310 --> 00:35:08,510
+انما يتعلق بالكتب والتصنيفات والرسائل العلمية من
+
+324
+00:35:08,510 --> 00:35:14,570
+حيث جمعها في كتاب واحد فكل المحررات اقصد المحررات
+
+325
+00:35:14,570 --> 00:35:19,510
+مش المستوطناتالتحرير يعني المكتوبات، المحررات أيه
+
+326
+00:35:19,510 --> 00:35:23,390
+المكتوبات، الكتب المكتوبة، المحررات تسمى التحرير،
+
+327
+00:35:23,390 --> 00:35:28,650
+مش فيه امتحان تحريري يعني مكتوب وامتحان شفه يعني
+
+328
+00:35:28,650 --> 00:35:36,430
+ما هذا، المحررات أيه المكتوبات؟والتي يضمها كتاب
+
+329
+00:35:36,430 --> 00:35:42,630
+واحد تسمى يعني ايه مؤلفة ولذلك جاء في تعريف
+
+330
+00:35:42,630 --> 00:35:46,030
+التأليف
+
+331
+00:35:46,030 --> 00:35:54,280
+اصطلاحا بأنه هو الكلام المدونالذي ينطوي على عمل
+
+332
+00:35:54,280 --> 00:35:59,020
+إبداعي أيا كان درجته من حيث الأهمية وهنا لنا وقفة
+
+333
+00:35:59,020 --> 00:36:02,920
+أو وقفات أنا عايز أكتب التعريف لأن حقيقة في بعض
+
+334
+00:36:02,920 --> 00:36:08,840
+الوقفات التي تستحق مننا أن نترايث قليلا إذا هو حق
+
+335
+00:36:08,840 --> 00:36:20,900
+التأليف اصطلاحا هو الكلام المدون الذي ينطوي
+
+336
+00:36:22,530 --> 00:36:26,810
+على عمل إبداعي
+
+337
+00:36:26,810 --> 00:36:39,810
+أيا كانت درجته من حيث الأهمية لو
+
+338
+00:36:39,810 --> 00:36:43,270
+أحنا وجفنا عند هذا التعريف شوية هنلاقي فيه عدة
+
+339
+00:36:43,270 --> 00:36:53,280
+مميزات للمؤلف أو شروط أو قيود ممكن أن نسميهايعني
+
+340
+00:36:53,280 --> 00:37:00,300
+أولا هو كلام مدون، لكن هل كل كلام مدون يسمى
+
+341
+00:37:00,300 --> 00:37:05,740
+تأليفا؟ لأ طب ما احنا الطلاب كلهم بدونوا و بنسخوا
+
+342
+00:37:05,740 --> 00:37:09,480
+من بعض و بنسخوا محاضرات و بنسخوا من الكتب، هل ما
+
+343
+00:37:09,480 --> 00:37:17,130
+يدونونه يعتبر تأليفا؟ طبعا لأأيوة هو قلم مدون صحيح
+
+344
+00:37:17,130 --> 00:37:21,750
+و هو نتدوين بمعناه الأعم و ليس بمعناه الدقيق يعني
+
+345
+00:37:21,750 --> 00:37:26,550
+سواء كتبت بيدك ولا ما كتبتوش ولا نجلته يعني في كتب
+
+346
+00:37:26,550 --> 00:37:31,150
+القدامة يا أخوة كان أحدهم لا يكتب بيده كان هناك
+
+347
+00:37:31,150 --> 00:37:39,050
+كتاتكان يكتبون يسمعون من العالم فيكتبون حتى أن بعض
+
+348
+00:37:39,050 --> 00:37:43,970
+العلماء وهو سجين في البئر في ال job كتب كتابا من
+
+349
+00:37:43,970 --> 00:37:49,450
+ثلاثين مجلدا لإمام الصراخسي كان تلاميذه كانوا
+
+350
+00:37:49,450 --> 00:37:53,550
+يأتون ليلا ويسمعون منه يعني كان محبوس في هذا
+
+351
+00:37:53,550 --> 00:37:58,650
+المكان على كل أحوال فالكلام المدوّن أولا مش مضرورة
+
+352
+00:37:58,650 --> 00:38:05,000
+ان انت تكون دوّنته بنفسكولا بالضرورة إن كل مدوّن
+
+353
+00:38:05,000 --> 00:38:10,820
+يكون مؤلف وإنما هو كلام مدوّن سواء بيدك أو بيدك
+
+354
+00:38:10,820 --> 00:38:16,660
+بيد غيرك، يعني مدوّن لك أنت، مدوّن عنك أنت، بيدك
+
+355
+00:38:16,660 --> 00:38:22,640
+أو بيد تلامذتك أو بيد الكتاب، زمان كان نسخ خصوصي
+
+356
+00:38:23,590 --> 00:38:28,130
+نسخ ينسخون يعني لو لاحظت في المخطوطات القديمة
+
+357
+00:38:28,130 --> 00:38:34,250
+بتلاقي المخطوطة باسم تأليف فلان والناسخ فلان يكتب
+
+358
+00:38:34,250 --> 00:38:38,290
+اسم الناسخ اسم الناسخ واسم المؤلف في نساخين
+
+359
+00:38:38,290 --> 00:38:42,690
+معروفين بخطوطهم الجميلة أو قدراتهم أو إلى هذا
+
+360
+00:38:42,690 --> 00:38:50,300
+بياخد أجرته على النسخ وبس إذا هو الكلام المدونالذي
+
+361
+00:38:50,300 --> 00:38:55,840
+ينطوي على عمل إبداعي، هذه الشرط الأساسي، عشان
+
+362
+00:38:55,840 --> 00:39:01,400
+يعتبر هذا مؤلف، عشان يعتبر هذا مؤلف تثبت له وفيه
+
+363
+00:39:01,400 --> 00:39:06,560
+حقوق، حقوق النسبة الأدبية وحقوق العائد المالي،
+
+364
+00:39:06,560 --> 00:39:11,400
+لابد أن يكون فيه إبداع، أما تيجي تنسخ، نسخ، والله
+
+365
+00:39:11,400 --> 00:39:20,680
+هذا مش إبداع طبعا، ولا تأليفةطبعا وهنا وقفة، ماذا
+
+366
+00:39:20,680 --> 00:39:24,800
+يقصد بالعمل الإبداعي؟ أو هل العمل الإبداعي محصور
+
+367
+00:39:24,800 --> 00:39:32,360
+في أن تأتي بما لم يأتي به الأوائل؟ عمل جديد يعني،
+
+368
+00:39:32,360 --> 00:39:39,560
+والله إن أتيت بما لم يسبق إليه أحد من قبل، فهذا هو
+
+369
+00:39:39,560 --> 00:39:46,100
+تاج وقمة العمل الإبداعيلكن يمكن أن يكون العمل
+
+370
+00:39:46,100 --> 00:39:51,980
+الإبداعي دون ذلك بمعنى أنه يعني أنا بس عشان
+
+371
+00:39:51,980 --> 00:39:55,320
+أبسطنكوا الأمر لو أنتوا نظرتوا إلى الكتب القديمة
+
+372
+00:39:55,320 --> 00:40:00,960
+وحتى الحديثة تجد أن مؤلفة ألف كتابة من ورقات
+
+373
+00:40:00,960 --> 00:40:08,860
+معدودة مختصر عشر ورقات عشرين ورقات تجد عالم آخرمن
+
+374
+00:40:08,860 --> 00:40:13,920
+تلامذته و لا من عصر البلاعد بعده راح لعشر ورقات
+
+375
+00:40:13,920 --> 00:40:20,920
+خلاها خمسمية شرح طيب مع ان هذا الكتاب مع ان هذا
+
+376
+00:40:20,920 --> 00:40:28,560
+العالم اللي شرح مسبوقوليس يعني مبتدئ وليس مخترع
+
+377
+00:40:28,560 --> 00:40:36,120
+للفكرة لكنه بشرحه هذا استحقر أن يكون أمله إبداعيا
+
+378
+00:40:36,120 --> 00:40:44,060
+واستحق شرحه أن يُنسب إليه لكن مع أدم غفلة نسبة
+
+379
+00:40:44,060 --> 00:40:49,820
+الأصل لصاحبه شرح الكتاب الفلاني للعالم الفلاني أو
+
+380
+00:40:49,820 --> 00:40:56,870
+العكس تمامابرضه ممكن يكون العمل الإبداعي شرح وممكن
+
+381
+00:40:56,870 --> 00:41:03,250
+يكون اختصار في كتب في علماء يعني توسعوا كتب كتاب
+
+382
+00:41:03,250 --> 00:41:06,850
+من مجلدين من تلاتة من تلاتين مجلد زي ما قولنا قبله
+
+383
+00:41:06,850 --> 00:41:12,810
+راح قالك انا بدي اسهل على الناس راح قعد سنتين ثلاث
+
+384
+00:41:12,810 --> 00:41:17,330
+سنين اكثر اقل اختصر الكتاب أو التلاتين مجلد في
+
+385
+00:41:17,330 --> 00:41:22,630
+تلات مجلداتأليس عملا إبداعيا؟ بلى والله عمل إبداعي
+
+386
+00:41:22,630 --> 00:41:27,090
+وينسب له هذا المختصر تفسير بن كثير تفسير بن كثير
+
+387
+00:41:27,090 --> 00:41:32,110
+في مختصر تفسير بن كثير لعالم آخر وهكذا تجد المختصر
+
+388
+00:41:32,110 --> 00:41:37,250
+فلا بأس أن يعني ليس بالضرورة أن كل العمل الإبداعي
+
+389
+00:41:37,250 --> 00:41:39,770
+يكون لم يسبق إليه أحد في العالمين نعم
+
+390
+00:41:43,780 --> 00:41:47,780
+في أسماء الرجال تقريبا هو يمكن 9 مجلدات أجل محمد
+
+391
+00:41:47,780 --> 00:41:51,240
+بن حاجة العسكران اختصروا في أربع مجلدات سماه تهديب
+
+392
+00:41:51,240 --> 00:41:55,700
+التهديد صحيح اختصروا فيه كتاب كتاب واحد في مجلد
+
+393
+00:41:55,700 --> 00:42:00,860
+واحد سماه تقريب التهديد أحسن وما أكثر الأمثلة سواء
+
+394
+00:42:00,860 --> 00:42:07,540
+في الحديث في الفقه في التفسير في العقيدة في كتاب
+
+395
+00:42:07,540 --> 00:42:13,940
+يعني وعلى هذا يعني لأن يا أخوة بالمناسبةفقط
+
+396
+00:42:13,940 --> 00:42:21,500
+بالمناسبة قضايا الإبداء والابتكار الابتدائي مش
+
+397
+00:42:21,500 --> 00:42:26,620
+سهلة انه يبتدق يبتكر يعني الإمام الشافعي رحمه الله
+
+398
+00:42:26,620 --> 00:42:35,320
+هو أول من وضع كتابا في أصول الفقه فكان يعني نادرا
+
+399
+00:42:35,320 --> 00:42:42,960
+من نوادر الدنياان هذه القواعد العامة في أصول الفقه
+
+400
+00:42:42,960 --> 00:42:47,840
+ضاعة في كتاب لم يسبق إليها لكن بعده هذا فتح
+
+401
+00:42:47,840 --> 00:42:53,200
+البوابة بعده يا سلام كتب يعني ربما في حقيقتها
+
+402
+00:42:53,200 --> 00:42:59,940
+فوائدها أكثر من كتاب الرسالة لكن حقيقة مبادرة
+
+403
+00:42:59,940 --> 00:43:06,200
+الإمام الشافعي في كتابه هذا تساوي الكثير وتعدل
+
+404
+00:43:06,200 --> 00:43:11,250
+الكثيروهكذا يعني و .. و .. و .. و .. و .. و .. و
+
+405
+00:43:11,250 --> 00:43:11,330
+.. و .. و .. و .. و .. و .. و .. و .. و .. و .. و
+
+406
+00:43:11,330 --> 00:43:12,230
+.. و .. و .. و .. و .. و .. و .. و .. و .. و .. و
+
+407
+00:43:12,230 --> 00:43:13,950
+.. و .. و .. و .. و .. و .. و .. و .. و .. و .. و
+
+408
+00:43:13,950 --> 00:43:14,650
+.. و .. و .. و .. و .. و .. و .. و .. و .. و .. و
+
+409
+00:43:14,650 --> 00:43:17,350
+.. و .. و .. و .. و .. و .. و .. و .. و .. و .. و
+
+410
+00:43:17,350 --> 00:43:21,050
+.. و .. و .. و .. و .. و .. و .. و .. و .. و .. و
+
+411
+00:43:21,050 --> 00:43:21,710
+.. و .. و .. و .. و .. و .. و .. و .. و .. و .. و
+
+412
+00:43:21,710 --> 00:43:25,750
+.. و .. و .. و .. و .. و .. و .. و .. و .. و .. و
+
+413
+00:43:25,750 --> 00:43:27,770
+.. و .. و ..
+
+414
+00:43:34,660 --> 00:43:44,200
+لكن الفخر الأساسي أو النسبة الأساسية تكون لصاحبه
+
+415
+00:43:44,200 --> 00:43:51,050
+الأول دون أن يمتنع على كل من ساهم في التطويرأو
+
+416
+00:43:51,050 --> 00:43:58,530
+يعني التفصيل أكتر أن يكون له فضل وأن يكون له حق
+
+417
+00:43:58,530 --> 00:44:05,530
+فيما قدمه لخدمة البشرية لازم يعني لم ندخل في بيان
+
+418
+00:44:05,530 --> 00:44:08,890
+آراء العلماء نكمل المرة القادمة ان شاء الله
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/pHDo1hKPNGI.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/pHDo1hKPNGI.srt
new file mode 100644
index 0000000000000000000000000000000000000000..e83e1da27ee94d2769b7746fa9453f53209ff462
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/pHDo1hKPNGI.srt
@@ -0,0 +1,1298 @@
+1
+00:00:20,990 --> 00:00:25,550
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:25,550 --> 00:00:30,530
+على رسول الله وعلى آله وصحبه ومن اتبع بهديه واستنى
+
+3
+00:00:30,530 --> 00:00:38,810
+بسنته إلى يوم الدين. وبعد، لا يزال الحديث متواصلًا حول
+
+4
+00:00:38,810 --> 00:00:47,710
+أحكام أو الأحكام المتعلقة بالخلو على اختلاف صوره
+
+5
+00:00:47,710 --> 00:00:55,960
+الثلاثة بعد أن تحدثنا في المحاضرتين السابقتين عن
+
+6
+00:00:55,960 --> 00:01:05,840
+الخلو من حيث تعريفه لغةً واصطلاحًا، و النشأة، وكذلك
+
+7
+00:01:05,840 --> 00:01:12,160
+عن الصور أو الحالات، وكذلك عن الأسباب التي كانت
+
+8
+00:01:12,160 --> 00:01:18,560
+وراء وجود ظاهرة الخلو على اختلاف صورها. بدأنا نتحدث
+
+9
+00:01:18,560 --> 00:01:25,310
+عن الأحكام المتعلقة بكل صورة وبدأنا بالصورة الأولى
+
+10
+00:01:25,310 --> 00:01:31,790
+أو الحالة الأولى، سميها حالة أو صورة، لا إشكال،
+
+11
+00:01:31,790 --> 00:01:41,650
+وهي فيما إذا كان الخلو قد أخذه المالك من المستأجر
+
+12
+00:01:42,410 --> 00:01:50,670
+وعرفنا أن الحكمة أو أنه ليس ثمة حكمة واحدة، أو حكمة
+
+13
+00:01:50,670 --> 00:01:57,810
+مجملة، أو حكمة عامة
+
+14
+00:01:57,810 --> 00:02:08,690
+بل إن الحكمة تتعلق بكل سبب، أو تختلف ربما باختلاف
+
+15
+00:02:08,690 --> 00:02:18,740
+السبب. أخذ المالك بسبب أيه؟ البدَل، حتى وإن كانت
+
+16
+00:02:18,740 --> 00:02:23,600
+النتيجة واحدة في النهاية، لكن يهمنا أن نعرف السبب
+
+17
+00:02:23,600 --> 00:02:31,100
+لأن الأحكام مرتبطة بأسبابها وبعلائلها، خاصة في مجال
+
+18
+00:02:31,100 --> 00:02:37,580
+المعاملات. فقلنا بأنه إذا كان السبب الذي من أجله
+
+19
+00:02:37,580 --> 00:02:44,930
+أخذ المالك بدلًا للخلو من المستأجر هو ما حصَّله، أو حققه
+
+20
+00:02:44,930 --> 00:02:55,330
+هذا المالك من سمعة وشهورة للمحل، بذل فيها الكثير من
+
+21
+00:02:55,330 --> 00:03:01,790
+الجهد والمال والوقت والفكر والإبداع، أو كان ذلك بسبب
+
+22
+00:03:01,790 --> 00:03:08,930
+قيمة المحل، قيمة المكانية للمحل، فإن هذا مما يُسوِّغ
+
+23
+00:03:08,930 --> 00:03:15,790
+له في الشريعة الإسلامية أخذ البدل، لأن هذه الأمور
+
+24
+00:03:15,790 --> 00:03:22,030
+وإن كانت أشياء معنوية، إلا أن العلماء قد أجازوا
+
+25
+00:03:22,030 --> 00:03:30,580
+بيعها أو أخذ بدل عنها، لأنها من حقوق الإبتكار التي
+
+26
+00:03:30,580 --> 00:03:37,460
+لصاحبها الحق في الإنتفاع بها، والمالك هو صاحب هذا
+
+27
+00:03:37,460 --> 00:03:44,050
+الحق. بالإضافة إلى حقه في تأجير أو بيع محله أو عقاره،
+
+28
+00:03:44,050 --> 00:03:49,230
+هذا حق إضافي، حق بدل الشهرة. فإن أخذ الخلو بدل
+
+29
+00:03:49,230 --> 00:03:56,710
+الشهرة، فكأنه يعني يُكيِّف في هذه الحالة الخلو على أنه
+
+30
+00:03:56,710 --> 00:04:04,330
+ثمن لشراء هذا الحق، وهو حق الشهرة، ولا
+
+31
+00:04:04,330 --> 00:04:10,450
+إشكال في ذلك إن كان الخلو هذا سببه. أما إذا كان
+
+32
+00:04:10,450 --> 00:04:18,910
+الخلو سببه يعود إلى حاجة المالك للمال، بسبب البناء،
+
+33
+00:04:18,910 --> 00:04:26,510
+بسبب الاستثمار، فكذلك قلنا بأن هذا يُسوِّغ له أخذ
+
+34
+00:04:26,510 --> 00:04:30,590
+البدل شرعًا. يعني نحن نتحدث عن أخذٍ شرعي، يُسوِّغ له
+
+35
+00:04:30,590 --> 00:04:40,240
+أخذ البدل. ولكن يبقى السؤال: البدل مقابل ماذا؟ البدل
+
+36
+00:04:40,240 --> 00:04:47,860
+مقابل ماذا؟ خاصة أنه ليس بيعًا، بدليل أنه لا يستطيع
+
+37
+00:04:47,860 --> 00:04:57,040
+أن يبيعه ولا يتملكه، وكذلك هو شيءٌ ما سوى الأجر.
+
+38
+00:04:57,040 --> 00:05:02,860
+فهو أيه؟ لأنه يأخذ إيجارًا، إذًا مقابل ماذا أخذه؟
+
+39
+00:05:03,190 --> 00:05:09,050
+مقابل ماذا؟ هنا يأتي السؤال. أجازوا، فكان عليهم أن
+
+40
+00:05:09,050 --> 00:05:16,730
+يُعَلِّلوا أو يوضحوا لماذا؟ هو الجواز، يعني عصب الهواء؟
+
+41
+00:05:16,730 --> 00:05:22,290
+لا طبعًا، وإنما هناك مسوِّغات أو تكييف، فقالوا بأن هذا
+
+42
+00:05:22,290 --> 00:05:27,890
+كما قلنا المرة الماضية، إما أن يكون هذا البدل يُمثِّل
+
+43
+00:05:27,890 --> 00:05:36,800
+جزءًا من الأجرة. جزءًا من الأجرة، بدليل أنه عندما
+
+44
+00:05:36,800 --> 00:05:44,460
+أُجر هذا المحل، أُجر بأقل من الأجرة المعتمدة، أو أجرة
+
+45
+00:05:44,460 --> 00:05:52,160
+المثل، فكأنه يعني أيه؟ يعني أخذ جزءًا من الأجرة، لكن
+
+46
+00:05:52,160 --> 00:05:57,740
+على وجه الإجمال والتقديم، أجرة
+
+47
+00:06:00,120 --> 00:06:07,600
+مقدمة تُمثِّل جزءًا من الأجرة على مدار سنوات، يعني عَداد
+
+48
+00:06:07,600 --> 00:06:15,320
+وعندها لا إشكال. إن كان الأمر كمالًا، إن كان الأمر..
+
+49
+00:06:15,320 --> 00:06:19,040
+إن سُئل.. إن سألناه، فقلنا: ما السبب؟ لماذا؟ بأي
+
+50
+00:06:19,040 --> 00:06:22,320
+حق؟ فيقول لك: يا عم أنا أُجِرْته بـ30 دينارًا، وهذا المحل
+
+51
+00:06:22,320 --> 00:06:25,420
+بأسعار الدنيا هذول. يا عم، مقابل.. هو بدي أقعد
+
+52
+00:06:25,420 --> 00:06:30,100
+عشر سنوات. لو أنتَ تحسبها، حيَلاج الفُرْجيد السبعين في
+
+53
+00:06:30,100 --> 00:06:34,180
+العشر سنين، هي مجموعة المبلغ تقريبًا، يعني أكثر أو
+
+54
+00:06:34,180 --> 00:06:39,480
+أقل، اللي أخذته أنا، أخذت بدل إيجار مقدم. هل أستطيع
+
+55
+00:06:39,480 --> 00:06:45,120
+أحدٌ أن يقول إن هذا ممنوع شرعًا؟ طبعًا لا، لأن هناك
+
+56
+00:06:45,120 --> 00:06:51,420
+تكييف. إحنا قلنا أن الأمور غير مرتبطة بأسماء. سُمِّهِ
+
+57
+00:06:51,420 --> 00:06:57,800
+خلوة، سُمِّهِ ما شئت، أو عرَّف الناس على تسمية ذلك خلو
+
+58
+00:06:57,800 --> 00:07:05,920
+أو أجرًا، أو مقدمًا، أو مُعجَّلًا، المهم المضمون أنها جزء من
+
+59
+00:07:05,920 --> 00:07:14,140
+الأجرة، أو كما قلنا أنها ربما تُكيَّف على أنها شراء
+
+60
+00:07:14,140 --> 00:07:21,830
+منفعة، أو جُزْء بدل. شراء منفعة. وإحنا قلنا أن شراء
+
+61
+00:07:21,830 --> 00:07:27,550
+المنفعة حالةٌ بين حالتين، البيع والشراء، آسف، بين
+
+62
+00:07:27,550 --> 00:07:32,570
+حالتين البيع والإجارة. بيع المنفعة، لا هو بيعٌ مُطلق
+
+63
+00:07:32,570 --> 00:07:39,410
+فيه مواصفات البيع، ولا هو إجارة بالمعنى المعروف
+
+64
+00:07:39,410 --> 00:07:46,990
+يختلف عن البيع من حيث التمليك، ومن حيث جواز البيع.
+
+65
+00:07:46,990 --> 00:07:53,450
+ولكنه يتفق معه في سائر وجوه الانتفاع، في سائر وجوه
+
+66
+00:07:53,450 --> 00:08:01,930
+الانتفاع. يعني يُورَث، يُتَصَرَّف، يُهَب، يُؤجَّر، يعني يأخذ خلوة
+
+67
+00:08:01,930 --> 00:08:07,790
+كما لو كان مالكًا، فقط لا يُحقِّق البيع.
+
+68
+00:08:12,030 --> 00:08:20,650
+يختلف عن الإيجارة من حيث إن الإيجارة مُقيَّدة فقط
+
+69
+00:08:20,650 --> 00:08:28,840
+بالمستأجر، ومدة الإيجار والانتفاع فقط. مُقيَّدة بالمدة،
+
+70
+00:08:28,840 --> 00:08:33,000
+مُقيَّدة بالمستأجر، فلا يجوز للمستأجر أن يؤجر لشخص
+
+71
+00:08:33,000 --> 00:08:37,720
+آخر، لا يجوز أن يمدد على كيفه مدة الإيجار، إلا
+
+72
+00:08:37,720 --> 00:08:42,340
+بالاتفاق، لا يجوز له أن يفعل شيئًا في العقار بدون
+
+73
+00:08:42,340 --> 00:08:50,240
+إذن صاحبه. بمجرد انتهاء المدة المتفق عليها في العقد،
+
+74
+00:08:50,240 --> 00:08:56,520
+ينبغي أن يخرج، إلا أن يُمدَّد له بالاتفاق. لا يجوز له لا
+
+75
+00:08:56,520 --> 00:09:01,740
+يُرِث، أو لا يُورَّث هذا الإيجار، أو لا يُورَّث إلى غير ذلك،
+
+76
+00:09:01,740 --> 00:09:06,880
+يختلف. لكن المنفعة، زي ما شفنا، يعني دائرتها، أو دائرة
+
+77
+00:09:06,880 --> 00:09:13,240
+الانتفاع في بيع المنفعة أوسع من دائرة الانتفاع في
+
+78
+00:09:13,240 --> 00:09:19,100
+الإيجار. الإيجار انتفاع، وشراء المنفعة انتفاع، لكن
+
+79
+00:09:19,100 --> 00:09:23,980
+دائرة الانتفاع في بيع المنفعة أوسع، لأنه يحق له كما
+
+80
+00:09:23,980 --> 00:09:29,900
+قلنا، ما يحق للمستأجر في بعض المعاملات، كالتوريث،
+
+81
+00:09:29,900 --> 00:09:38,160
+للانتفاع بالمحل، أو كحق تأجيره لشخص آخر، أو كحق أخذ
+
+82
+00:09:38,160 --> 00:09:42,080
+الخلوة. أو لأن المستأجر مش دائمًا بيحق له يأخذ الخلوة
+
+83
+00:09:42,080 --> 00:09:46,700
+لكن هذا.. هذا.. هذا دفع مصاريع، يعني إحنا هنشوف
+
+84
+00:09:46,700 --> 00:09:50,320
+المستأجر في ظروف معينة، فمش هيقدر يأخذ فيها خلوة
+
+85
+00:09:50,320 --> 00:09:55,520
+ولا يجوز، ولو طالب يكون حرامًا عليه. إذا كانت
+
+86
+00:09:55,520 --> 00:10:02,280
+الحاجة التي دفعته، فلا بأس. وإحنا قلنا الحاجة سبب
+
+87
+00:10:02,280 --> 00:10:09,240
+إضافي وليس سببًا رئيسيًا. والسبب الرئيسي في تجويز أخذ
+
+88
+00:10:09,240 --> 00:10:15,080
+الخلوة للمالك من المستأجر هو إيه؟ هو التمليك نفسه،
+
+89
+00:10:15,080 --> 00:10:22,060
+هو الملكية، مش المنفعة، ملكية العقار. المالك يملك
+
+90
+00:10:22,060 --> 00:10:28,280
+ملكية عقار يا إخوان، كاملة. ملكية العقار، ملكية
+
+91
+00:10:28,280 --> 00:10:33,700
+الانتفاع متضمنة، ضمن تندرج، ضمن ملكية المنفعة. أنا
+
+92
+00:10:33,700 --> 00:10:40,380
+مالك للشيء، مالكه، مسجَّل في طابوه، قبضًا عن جَد، أو
+
+93
+00:10:40,380 --> 00:10:44,860
+بفلوس، أشتريها، من حقي بعد ذلك أبيع وأشتري، ومن حقي
+
+94
+00:10:44,860 --> 00:10:49,600
+لمن أبيع، أبيع بالطريقة اللي بدي إياها، بمعنى، بالتَّقْصيد
+
+95
+00:10:49,600 --> 00:10:54,220
+مؤجل، مؤجل، بخلو،
+
+96
+00:10:54,220 --> 00:11:04,090
+بدون خلو. ما دمت أملك، فالشَّرع أعطاني حق التصرف المُطلق
+
+97
+00:11:04,090 --> 00:11:09,550
+ما لم يترتب على ذلك ضررٌ أو مُدامة وفق مظلة الشرع
+
+98
+00:11:09,550 --> 00:11:14,410
+أنا من حقي التصرف بالملكِية، فما بالكم إذا كان، إذا
+
+99
+00:11:14,410 --> 00:11:20,250
+بالإضافة للملكية، أيه، الحاجة، الملكية لحالها تعطيك
+
+100
+00:11:20,250 --> 00:11:29,030
+الحق في أنك تبيع بطريقة هذه: مُعجَّل، مُؤجَّل، مُقَدَّم، مُقَصَّد،
+
+101
+00:11:29,030 --> 00:11:36,800
+cash ولا لا؟ مش هيك اللي بيصير، لو واحد باع البيت
+
+102
+00:11:36,800 --> 00:11:39,440
+بتاعه، أو المحل بتاعه، بالتجسيد، حد يقول له ممنوع،
+
+103
+00:11:39,440 --> 00:11:44,880
+أو حرام، أو مخالف. باعه، بدِّه يطلبه، باعه نص ونص، ما في
+
+104
+00:11:44,880 --> 00:11:49,220
+مشكلة. فالمُلكِية يا إخوان، هي التي تُعطي، هي السبب
+
+105
+00:11:49,220 --> 00:11:56,080
+الرئيسي، حقيقةً. لذلك أنتم هتلاحظوا بالنسبة
+
+106
+00:11:56,080 --> 00:12:00,380
+للمالك، الحالة الأولى اللي شرحناها المرة اللي فاتت،
+
+107
+00:12:00,380 --> 00:12:02,480
+يكاد، تكاد تكون
+
+108
+00:12:05,280 --> 00:12:12,580
+كان يكون الحكم على اختلاف الأسباب واحد. الحكم على
+
+109
+00:12:12,580 --> 00:12:17,460
+اختلاف الأسباب واحد، سواء كان الحكم الشهرة، أو كان
+
+110
+00:12:17,460 --> 00:12:22,800
+الحكم الموقع، أو كان الحاجة، أو حتى القوانين، من باب
+
+111
+00:12:22,800 --> 00:12:29,960
+أولى، أنه في ظل وجود قوانين ظالمة، تُحدُّ من ملكية، أو من
+
+112
+00:12:29,960 --> 00:12:36,430
+من حرية المالك، أو تضع تسعيرة إجبارية أقل من
+
+113
+00:12:36,430 --> 00:12:42,430
+التسعيرة المعقولة، والتسعيرة العادلة، وأجرة المثل،
+
+114
+00:12:42,430 --> 00:12:47,370
+كل ذلك، كل الحالات، شفنا النتيجة إيش؟ تُسوِّغ له، أو
+
+115
+00:12:47,370 --> 00:12:52,570
+تُسوِّغ للشريعة أن يأخذ بدلًا. بدل، أقوله ولا لا؟
+
+116
+00:12:52,570 --> 00:12:58,270
+فعلى اختلاف الأسباب، لكن إحنا بدنا نعرف وجه السبب،
+
+117
+00:12:58,270 --> 00:13:03,490
+توجيهه، يعني لما لو طُلِبَ توضيح السبب ووجهه، والوجه
+
+118
+00:13:03,490 --> 00:13:11,600
+الشرعي الذي من أجله سُوِّغَ أخذ هذا البدل. سُوَاغٌ، وشرع، و
+
+119
+00:13:11,600 --> 00:13:19,340
+شريعة، أخذ هذا البدل. إذًا، فيما إذا كان المالك هو
+
+120
+00:13:19,340 --> 00:13:25,500
+الذي أخذ بدل الخلوة، تتعدد الأسباب، وعلى اختلاف
+
+121
+00:13:25,500 --> 00:13:31,280
+الأسباب، وعلى اختلاف التفاصيل، خرجنا بنتيجة أنه
+
+122
+00:13:31,280 --> 00:13:38,820
+يجوز للمالك أن يأخذ بدلًا للخلوة، لأنه في الأصل مالك
+
+123
+00:13:41,250 --> 00:13:45,110
+يعني أنا بأقول لكم في سبب عام من كل الأسباب هذه، لأن
+
+124
+00:13:45,110 --> 00:13:50,790
+هو مالك. في عصر يمكن
+
+125
+00:13:50,790 --> 00:13:55,130
+في مسألة القانون، وجينا شوية تفصيل بسيطة، لكنها على
+
+126
+00:13:55,130 --> 00:14:00,810
+الراجح أنها لا إشكال، وأنها تُسوِّغ له. لننتقل إلى
+
+127
+00:14:00,810 --> 00:14:05,190
+الصورة الثانية، أو الحالة الثانية، اللي هي
+
+128
+00:14:05,190 --> 00:14:12,860
+فيما إذا كان البدل، بدل الخلو الذي أخذه، أو طالبه
+
+129
+00:14:12,860 --> 00:14:18,420
+به من المستأجر، المستأجر من المالك. الآن، الصورة
+
+130
+00:14:18,420 --> 00:14:24,220
+الأولى، المالك اللي كان طالبه، وعرفنا إيش الحكم
+
+131
+00:14:24,220 --> 00:14:29,660
+اللي هو الجواز على اختلاف الأسباب. هل سَينْسَحِبُ الحكم
+
+132
+00:14:29,660 --> 00:14:37,950
+تمامًا على المستأجر؟ أم أن ثمَّة تفصيل سنراه؟ إذا كان
+
+133
+00:14:37,950 --> 00:14:45,790
+المستأجر هو الذي أخذ الخلو، أو بدل الخلو من المالك،
+
+134
+00:14:45,790 --> 00:14:51,910
+أيضًا إحنا مضطرين مرة أخرى نعود إلى الأسباب، إلى
+
+135
+00:14:51,910 --> 00:14:57,350
+معرفة الأسباب، عشان نكون دقيقين. ما بنش.. يعني
+
+136
+00:14:57,350 --> 00:15:00,770
+إحنا هناك، مع أن الحكم كان واحد في النهاية، وكنا
+
+137
+00:15:00,770 --> 00:15:05,810
+قادرين نقول يحق للمالك أن يأخذ، لكن إحنا عشان نفهم،
+
+138
+00:15:05,810 --> 00:15:11,050
+كان لابد من التفصيل، فذكرنا الحكمة المتعلقة بكل سبب،
+
+139
+00:15:14,030 --> 00:15:18,650
+وإن كانت النتيجة واحدة، عشان تتضح الصورة. والآن،
+
+140
+00:15:18,650 --> 00:15:25,430
+كذلك نريد أن نوضح ما هو الدافع، ما هو السبب الذي
+
+141
+00:15:25,430 --> 00:15:33,030
+جعله يأخذه، وننظر فيه، وننظر ما مدى مشروعِيته كما قرر
+
+142
+00:15:33,030 --> 00:15:40,330
+الفقهاء. أولًا، السبب المشترك هذا الأولاني خالص، اللي
+
+143
+00:15:40,330 --> 00:15:47,070
+هو إذا كان المستأجر قد حقق سمعة و شهرة. كان السبب
+
+144
+00:15:47,070 --> 00:15:54,290
+الذي دفع المستأجر للمطالبة بالخلوة، أو إلى أخذ
+
+145
+00:15:54,290 --> 00:16:01,190
+الخلوة، هو إيه؟ هو ما أنجزه وحققه من شهرة وسمعة
+
+146
+00:16:01,190 --> 00:16:10,100
+للمحل في الصورة الثانية. فيما إذا كان البدل يعني
+
+147
+00:16:10,100 --> 00:16:16,260
+مأخوذ، أخذه المستأجر من المالك. طيب، عليا يعني موجود؟
+
+148
+00:16:16,260 --> 00:16:23,090
+موجود، مش موجود؟ ضيفوا، أنا بأقول لكم خلاص. إذا كان هذا
+
+149
+00:16:23,090 --> 00:16:29,530
+ما فيه إشكال، وأثبتنا الحكم فيه عندما تحدثنا عن
+
+150
+00:16:29,530 --> 00:16:33,130
+الاسم التجاري، وأكَّدنا ذلك عندما تحدثنا عن المالك
+
+151
+00:16:33,130 --> 00:16:39,210
+عندما حقق شهرة، فجاز له أن يأخذ. وكذلك المستأجر، لو
+
+152
+00:16:39,210 --> 00:16:42,650
+المستأجر حقق شهرة يا إخوان على مدار عشر سنين، ولا
+
+153
+00:16:42,650 --> 00:16:49,400
+عشرين سنة. وحتى لو لم يكن، انتبهوا، حتى لو لم يكن
+
+154
+00:16:49,400 --> 00:16:55,280
+هذا المستأجر قد سبق له أن دفع خلوة، وكان فقط مستأجر
+
+155
+00:16:55,280 --> 00:17:06,020
+استئجار عادي، الفرضية هيك، لكن فقط هو أيه؟ كان قد حقق
+
+156
+00:17:06,020 --> 00:17:07,520
+شهرة للمحل
+
+157
+00:17:11,310 --> 00:17:18,970
+في هذه الحالة، يجوز له أن يطالب المالك عندما يريد
+
+158
+00:17:18,970 --> 00:17:24,190
+أن يخرجه بعد انقضاء المدة. انقضت المدة، ما تفكرين،
+
+159
+00:17:24,190 --> 00:17:28,810
+لعشر سنين، خلصت، مع السلامة، مع السلامة، ماشي، بس أنا
+
+160
+00:17:28,810 --> 00:17:35,430
+المحل لما يوم ما أخذته، ما كانش فيه عليه زبائن، ما كانش
+
+161
+00:17:35,430 --> 00:17:40,940
+له سمعة، ما كانش له شهرة. كان على فرض أن الوقت هو
+
+162
+00:17:40,940 --> 00:17:46,940
+الوقت، من حيث الأسعار وكذا. اليوم لو أنت بدك تؤجره،
+
+163
+00:17:46,940 --> 00:17:53,300
+أنا متأجر كنت بـ50 دينارًا، على افتراض أن الوضع
+
+164
+00:17:53,300 -->
+
+223
+00:23:36,320 --> 00:23:41,040
+شيخ له زيادة، هل يحق له ذلك أن يأخذها بدون .. لأ
+
+224
+00:23:41,040 --> 00:23:44,940
+أنا بقدر أبيع أحد أجالِ أكثر، في مرة من المرات لما
+
+225
+00:23:44,940 --> 00:23:50,240
+انقطع الخشب أو صار في .. يعني في فترات معينة، في
+
+226
+00:23:50,240 --> 00:23:54,780
+الأشياء ولَّعتها، لأنه .. وصاروا يدوروا على خشب
+
+227
+00:23:54,780 --> 00:24:02,600
+السحاچير، عارفين الصحاحير يعني البَكْس المش نافع ويعملوا
+
+228
+00:24:02,600 --> 00:24:06,840
+منه غرف نوم، اه إذا حيكون واحد منكم يشتري غرف نوم
+
+229
+00:24:06,840 --> 00:24:14,180
+من هالنوع، فيعني وبأغلى الأسعار، يعني تتغير وتتبدل، ومع
+
+230
+00:24:14,180 --> 00:24:20,660
+ذلك هل نستطيع أن نقول إن هذا سعرٌ كذلك هو
+
+231
+00:24:20,660 --> 00:24:26,260
+الآن شارع .. شارع منفعة معينة، والآن صاحبها لم يعد
+
+232
+00:24:26,260 --> 00:24:30,100
+صاحبها، أنا بعد ما اشتريت المنفعة، المشتري ..
+
+233
+00:24:30,100 --> 00:24:33,600
+البائع الأول إذا بدَّا  إياها يشتريها مني، يا عم، زي
+
+234
+00:24:33,600 --> 00:24:38,150
+أي سلعة ثانية يشتريها مني بحسب الاتفاق وبحسب السوق
+
+235
+00:24:38,150 --> 00:24:43,610
+أكثر أجل بنفس السعر مش مشكلة، يعني ليس بالضرورة أنَّه
+
+236
+00:24:43,610 --> 00:24:47,670
+يكون نفس الخلو اللي دفعه، لأنه فيه متغيرات جديدة
+
+237
+00:24:47,670 --> 00:24:52,170
+فيه متغيرات، على سبيل المثال إنّها انقضت سنين، ممكن تنزل
+
+238
+00:24:52,170 --> 00:24:55,950
+السعر، في متغيرات ممكن بالعكس، الوضع الاقتصادي
+
+239
+00:24:55,950 --> 00:25:02,750
+اتغير، الشركة، الرخص، فممكن تأخذ أكثر، ممكن يعني مش
+
+240
+00:25:02,750 --> 00:25:10,970
+مهم، اللي بيتم الاتفاق عليه يتم قبوله
+
+241
+00:25:10,970 --> 00:25:16,550
+من قبل الطرفين، فلا بأس.  إذا كان .. نرجع، نعود .. إذا
+
+242
+00:25:16,550 --> 00:25:23,170
+كان السبب يعود إلى شراء أو إلى أن المستأجر كان قد
+
+243
+00:25:23,170 --> 00:25:27,630
+دفع من قبل مبلغاً، وهو الخلوة الأول اللي أخذه
+
+244
+00:25:27,630 --> 00:25:33,330
+المالك، فيجوز له يعني أن يطالب ويأخذ، ليس استرداداً
+
+245
+00:25:33,830 --> 00:25:40,290
+وإنما عملية، مش حكاية استرداد، لأ، عملية مقابل مقابل
+
+246
+00:25:40,290 --> 00:25:44,630
+ما دفع، مقابل ما دفع، وقد يكون اللي دفعه قد استهلك
+
+247
+00:25:44,630 --> 00:25:52,940
+جزء منه، وبالتالي أقل، قد يكونوا ما اشتراه يعني غالي
+
+248
+00:25:52,940 --> 00:25:58,260
+أسعاره من نصيبه برضه، فهو يصبح كما السلعة، كما
+
+249
+00:25:58,260 --> 00:26:03,960
+السلعة التي ترتفع وتنخفض أسعارها، ويجوز الانتفاع بها، ويجوز التصرف فيها
+
+250
+00:26:03,960 --> 00:26:09,880
+طيب، إذا ما فيش مشكلة إذا كان المستأجر كان .. لما
+
+251
+00:26:11,350 --> 00:26:15,110
+يكون المستأجر كان دافع في مسوغ شرعي، ويجوز أقل أو
+
+252
+00:26:15,110 --> 00:26:18,470
+أكثر. طيب، إذا كان السبب الآن، انتبهوا
+
+253
+00:26:18,470 --> 00:26:24,890
+معي، لم يصنع .. لم يحقق شهرة ولم يدفع خلوة
+
+254
+00:26:24,890 --> 00:26:31,650
+المستأجر لم يدفع .. لما دفع .. لما حقق شهرة، قلنا
+
+255
+00:26:31,650 --> 00:26:37,090
+له، ماشي، مسموح يأخذ، لما دفع خلوة في الأول، اه، والآن
+
+256
+00:26:37,090 --> 00:26:45,100
+بده يطلع، المالك، اه بنقول له ماشي، okay، مشروع، الآن لعب
+
+257
+00:26:45,100 --> 00:26:55,140
+الْشهرة، ولا هو تأجير عادي، تأجير عادي، مبلغ، مش نص
+
+258
+00:26:55,140 --> 00:27:01,560
+المبلغ، تأجِير عادي، لكن هو متأجر لمدة عشر سنين، مش
+
+259
+00:27:01,560 --> 00:27:09,900
+بالضرورة أنا أكون  دافعاً على الفكرة، لكن احنا الإيجار
+
+260
+00:27:09,900 --> 00:27:13,380
+أنا على عشر سنين، وكل سنة بدفع لك، في مشكلة؟ ما في
+
+261
+00:27:13,380 --> 00:27:18,700
+مشكلة، أو لعشرين سنة، بعد خمس سنين المالك قال له يا
+
+262
+00:27:18,700 --> 00:27:26,280
+عم أنا هذا احتاجه، بدّي المحل، بدّي الشجرة، بدنا
+
+263
+00:27:26,280 --> 00:27:32,140
+نجوِّز الولد، بدّيها الأرض، بدنا نبني، المستأجر قال له
+
+264
+00:27:32,140 --> 00:27:42,190
+أنا متأجر لعشر سنين، قال له ماشي، أنت متأجر لعشر سنين
+
+265
+00:27:42,190 --> 00:27:46,670
+بس أنا ما بدي، أنت الآن لخمس سنين، تدفع لي أنا لخمس
+
+266
+00:27:46,670 --> 00:27:52,150
+سنين اللي كان .. اللي ضايلات، افترض أنَّه فعل مقدم
+
+267
+00:27:52,150 --> 00:27:56,650
+أرجعها، قال له أرجع لك الخمس سنين اللي .. أو بدفع ..
+
+268
+00:27:56,650 --> 00:28:02,210
+أو الفرضية الثانية، ومش دافعها، قال له أنت مش دافعها
+
+269
+00:28:02,210 --> 00:28:04,770
+وبالتالي ليس لك حق، المشتري .. المالك بيقول له أنت
+
+270
+00:28:04,770 --> 00:28:10,690
+بدك تقلع، وهذا ملكي، وأنت لك خمس سنين تدفع سنة سنة
+
+271
+00:28:10,690 --> 00:28:15,390
+والخمس سنين هذول ما دفعتهمش، وأنا خلاص، لأنها  أَجْرَةٌ
+
+272
+00:28:15,390 --> 00:28:18,890
+قال له أنا متعاقد معك لعشر سنين، ولو مش دافعها، بس
+
+273
+00:28:18,890 --> 00:28:23,450
+أنا ملتزم بالدفع سنة بسنة
+
+274
+00:28:23,450 --> 00:28:25,710
+فهل يجوز في هذه الحالة للمستأجر أن يطالب بخلوٍ إذا
+
+275
+00:28:29,050 --> 00:28:37,090
+ما أُخرِج، أو إذا ما طلب منه المالك أن يخرج بعد خمس
+
+276
+00:28:37,090 --> 00:28:43,390
+سنين، وكان مستأجراً لمدة عشر سنين، ولم يدفع الخمس
+
+277
+00:28:43,390 --> 00:28:47,950
+سنين الثانية، أو يعني لازال، ولم يكن قد حقق
+
+278
+00:28:47,950 --> 00:28:53,910
+شهرةً، وراء الفرضية، ولم يكن قد دفع خلوة من قبل، غاية ما كان
+
+279
+00:28:53,910 --> 00:29:01,200
+بيدفعها الأجرة السنوية العادية لخمس سنين، ولو دفع
+
+280
+00:29:01,200 --> 00:29:06,180
+الكل، قال له، المالك قال له: هاي الخمس سنين اللي
+
+281
+00:29:06,180 --> 00:29:09,580
+دفعتهم، إذا كنا .. أخذهم، نعم، أخذهم. طب استنوا شوية
+
+282
+00:29:09,580 --> 00:29:16,060
+قال له أنت هيك بتقول، المستأجر رد عليه، المستأجر
+
+283
+00:29:16,060 --> 00:29:20,900
+قال: جاري، جاري معاملاتي، الله. طب أنا لو اشتريت، زي ما قلنا
+
+284
+00:29:20,900 --> 00:29:28,790
+اشتريت أربع رؤوس غنم، ولا أربع خمس فولّات، ولا أيّما
+
+285
+00:29:28,790 --> 00:29:35,050
+شغلة، واستفدت، يعني اشتغلت عليهم، فتحت مشروع، وبعدين
+
+286
+00:29:35,050 --> 00:29:43,150
+آخر يعني فترة، بده يبيعهم أو ببيع جزء منهم، والجزء
+
+287
+00:29:43,150 --> 00:29:49,930
+منهم جاء  بحاجة السائر كله، هل في ذلك إشكالية؟ لأ
+
+288
+00:29:54,630 --> 00:30:01,270
+مثلاً، أو الآن هو، طب ما دخله هذا؟ هذا يُقاسُ على ذاك،
+
+289
+00:30:01,270 --> 00:30:07,330
+كيف؟ قال له أنا اشتريت منك الانتفاع لمدة عشر سنين،
+
+290
+00:30:07,330 --> 00:30:13,030
+انتبهوا، كيف الإيجار انتفاع، وأنا تعاقدت معك، أنا
+
+291
+00:30:13,030 --> 00:30:17,030
+متعاقد معك، العقد هيه لعشر سنين، أنا الآن العشر
+
+292
+00:30:17,030 --> 00:30:21,590
+سنين شاريتها ولا مش دافع إجارها، لسه، أنا متعاقد، ومش
+
+293
+00:30:21,590 --> 00:30:27,550
+مستأجرها، والاتفاق شهر شهر، أو سنة سنة، أنا لخمس
+
+294
+00:30:27,550 --> 00:30:32,250
+سنين شاريتها، وأنا لما اتفقت معك أصلاً دفعت بزيادة
+
+295
+00:30:32,250 --> 00:30:37,970
+شوية، يعني كأنه بيقول له مثلاً علشان أنا بدي مشروع
+
+296
+00:30:37,970 --> 00:30:45,430
+يتكامل، أنا خطتي عشرية، أنا لسه أَقِلُّ، لسه بدأ الربح يبدأ
+
+297
+00:30:45,430 --> 00:30:48,490
+لأ، أنتَ هتقول اللي هو أجيب أنا عامل ديكورات وعامل
+
+298
+00:30:48,490 --> 00:30:52,590
+سمعة، أو لسه السمعة ما جاءتش، خليني أَفترِضْ لأن السمعة
+
+299
+00:30:52,590 --> 00:30:57,390
+لسه، لكن كمان شوية ممكن الخمس سنين الثانية هتقولهن
+
+300
+00:30:57,390 --> 00:31:03,430
+اللي أنا بتمنى وبستنى فيهن الربح الحقيقي، أنتَ جيت
+
+301
+00:31:03,430 --> 00:31:08,410
+تقول لي اطلع، بلاش، هكذا بدِّي أنا أطلع، بدي خمسة
+
+302
+00:31:08,410 --> 00:31:18,330
+آلاف دينار أطلع، هل من حقه؟ نعم من حقه، بالضبط كما
+
+303
+00:31:18,330 --> 00:31:25,930
+أن من اشترى شيئاً وأراد أن يبيعه بسعر أغلى، من حقه،
+
+304
+00:31:25,930 --> 00:31:32,770
+وهذا اشترى مدة، المدة، اشترى لمدة العشر سنين، ثمَّ معين
+
+305
+00:31:32,770 --> 00:31:39,810
+الآن البائع يريده، اللي هو المؤجر يريد أن يسترد هذه
+
+306
+00:31:39,810 --> 00:31:44,910
+هو يعني بيستردها، أنا لما اشتريت منك الطاولة، بعد سنة
+
+307
+00:31:44,910 --> 00:31:48,330
+يقول لي بدي إياها، وأنا حاجتها، طب ما بدي، يا بتدفع حاجة
+
+308
+00:31:48,330 --> 00:31:51,610
+مرتين، يا بلاش من حاجة ولا مش من حاجة؟ وقدِّرْ زيّه
+
+309
+00:31:51,610 --> 00:31:56,990
+قال له بأطلعش، إيش بدك؟ مقابل .. طيب، السؤال هنا، مقابل
+
+310
+00:31:56,990 --> 00:32:02,560
+ماذا؟ هو الأجرة، زي ما قلنا، مش هيدفعها، مقابل ماذا
+
+311
+00:32:02,560 --> 00:32:07,620
+أخذ هذه الخلوة؟ يعني هو مقابل .. يعني هي كأنها ..
+
+312
+00:32:07,620 --> 00:32:16,400
+الفرضية، كيف؟ كأنه مال .. هذا المبلغ اللي أخذه هو
+
+313
+00:32:16,400 --> 00:32:22,660
+ربح زائد على رأس مال الأجرة التي كان ينبغي أن
+
+314
+00:32:22,660 --> 00:32:28,910
+يدفعها، كيف يعني؟ يعني الأجرة هذه المفروض هو أنا
+
+315
+00:32:28,910 --> 00:32:33,450
+مستأجر، أو مؤجر، على أساس من مائة دينار، مائة دينار
+
+316
+00:32:33,450 --> 00:32:39,410
+الشهر، في عندي خمس سنين، السنة بألف، هي خمسة آلاف دينار
+
+317
+00:32:39,410 --> 00:32:45,930
+لكن .. لكن حقيقة اليوم الأجرة تساوي مائتي دينار مثلاً
+
+318
+00:32:45,930 --> 00:32:51,130
+أو لو أنا بدأت أطلع وأتأجر في مكان آخر، أو أنا
+
+319
+00:32:51,130 --> 00:33:00,540
+ما ببيعش، خليني أقول حصتي، أو أجري، يعني تخلّيتي عن هذا
+
+320
+00:33:00,540 --> 00:33:07,540
+المكان، يعني بمئتي دينار، فأنا بطالب بهذا الحق، يعني
+
+321
+00:33:07,540 --> 00:33:13,700
+مجموعة الخمسة آلاف دينار، كأنه أنا هو أستلمهم، أيّ هي
+
+322
+00:33:13,700 --> 00:33:18,100
+رأس المال تبعي، هو أنا ما دفعته، وفوق ربحْت كمان
+
+323
+00:33:18,100 --> 00:33:26,490
+خمسة آلاف دينار، فكأن الخمسة آلاف دينار هي ربح زائد عن بيعه
+
+324
+00:33:26,490 --> 00:33:31,890
+أو تنازله عن هذه المنفعة، أو الانتفاع الذي ملكه
+
+325
+00:33:31,890 --> 00:33:36,830
+بالإيجار، هو يملك بالإيجار منفعة معينة، من حقه أن
+
+326
+00:33:36,830 --> 00:33:44,770
+يبيعها، ويكيف هذا الخلو على أنه يعني كمثابة ربح
+
+327
+00:33:44,770 --> 00:33:53,280
+يعني استفادة من خلال تعاقده في هذه الفترة، يعني مدام
+
+328
+00:33:53,280 --> 00:33:59,640
+.. يا إما البديل الآخر إيش؟ إنه المالك يستنى الخمس
+
+329
+00:33:59,640 --> 00:34:05,940
+سنين الثانية، عندها هناك كلام آخر، وهذه هي الصورة
+
+330
+00:34:05,940 --> 00:34:09,960
+الثالثة، أو السبب الثالث، إذا لم يكن الآن، إذا لم
+
+331
+00:34:09,960 --> 00:34:16,240
+يكن في مدة، يا إخوة، باختصار، إذا كان المستأجر
+
+332
+00:34:16,240 --> 00:34:26,990
+له مدة متبقية من التعاقد، جاز للمستأجر أن يطالب بخلوٍّ
+
+333
+00:34:26,990 --> 00:34:35,310
+بدلاً عن تركه للمحل مقابل هذه المدة، بيجوز، لأن المدة
+
+334
+00:34:35,310 --> 00:34:41,110
+هذه له، ومن حقه أن يبيع ويتصرف فيها زي ما بده، تمام
+
+335
+00:34:41,110 --> 00:34:48,190
+الآن، إذا لم يكن قد حقق شهرة ولا
+
+336
+00:34:51,820 --> 00:35:00,620
+ولا دفع خلوة، وليس له مدة متبقية، متعاقد على عشر
+
+337
+00:35:00,620 --> 00:35:07,660
+سنين، إيجار عادي، لا خلوة، ولا شهرة، ولا غيره، وبعد
+
+338
+00:35:07,660 --> 00:35:13,300
+العشر سنين، أجي يقول له: لأ، أجي أخلص، وأنا أخلص، مش
+
+339
+00:35:13,300 --> 00:35:18,500
+عايز أجدد، انتهى الأمر، قال له: بأطلعش إلا لأنه بده
+
+340
+00:35:18,500 --> 00:35:26,220
+يُبْلْطِج .. الآن خَشَّ البَلْطَجِيَّة، البَلْطَجِيَّة خشوا، مقابل
+
+341
+00:35:26,220 --> 00:35:33,800
+ماذا؟ لا شهرة، ولا دفعة مصاري قبل خلوة، ولا لك
+
+342
+00:35:33,800 --> 00:35:39,180
+مدة تعاقد اللي تكون حجة لك، تقول أنا شارع المدة
+
+343
+00:35:39,180 --> 00:35:47,620
+اللي لك، أيّ مسوغ، مش لك، بدك تطلع غصباً عنك، الشرع
+
+344
+00:35:47,620 --> 00:35:51,760
+هيك، يعني لو رفع الأمر، وفي هذه الحالة للمحكمة
+
+345
+00:35:51,760 --> 00:35:56,120
+الشرعية، أو للقاضي الشرعي، بده من زَوَّاب يمسكوا هيك
+
+346
+00:35:56,120 --> 00:36:02,200
+ويقولوا برا، لكن إذا ما فيش قضاء وفيه بلطجية يحموه
+
+347
+00:36:02,200 --> 00:36:08,060
+أو فيه جوة وعائلية وغيره، يمكن يظلوا مبلطج، والله، لم
+
+348
+00:36:08,060 --> 00:36:10,560
+يدفعوا الإيجار، ولا ما يدفعش كمان بعد هيك
+
+349
+00:36:13,840 --> 00:36:19,860
+احنا مالنا، احنا شرعاً لا يجوز له، لو يعني إذا أخذه
+
+350
+00:36:19,860 --> 00:36:25,400
+الزلمة، يقال: بديّش مشاكل، في ناس غلطة، ما سكتش مشاكل،
+
+351
+00:36:25,400 --> 00:36:30,920
+كدّش أنا بدك ألفين دينار، أفضّل مع السلامة، حرام، هذا
+
+352
+00:36:30,920 --> 00:36:36,280
+مال حرام، يصير، هناك لمسوغ لمن كان في مدة تعاقد
+
+353
+00:36:36,280 --> 00:36:41,020
+لمن عمل شهرة، لمن عمل، لمن كان دافع في وجه من العدل
+
+354
+00:36:41,020 --> 00:36:47,100
+والحق، الشرع مع ذلك نقول له صحتين، لكن ليس تمت أي
+
+355
+00:36:47,100 --> 00:36:53,460
+وجه، دور، هناك، ما في إلا باطل، فحرام، هذا حرام، والأصل أنَّ
+
+356
+00:36:53,460 --> 00:36:55,580
+لا تأخذ، الشريعة يعني
+
+357
+00:36:59,380 --> 00:37:06,060
+أمام هذا الأمر، مُشَرَّع أو مُسَوَّغ، لا يجوز، لا تأكلوا
+
+358
+00:37:06,060 --> 00:37:10,500
+أموالكم بينكم، هذا أكل أموال الناس بالباطل، الأصل
+
+359
+00:37:10,500 --> 00:37:15,300
+مع السلامة، تمام، إذا نشوف أيّ حالة عندنا، لكن يا
+
+360
+00:37:15,300 --> 00:37:18,980
+أخوة، شوفوا هناك في المالك، لو رجعنا شوية، احنا
+
+361
+00:37:18,980 --> 00:37:25,270
+جون المالك، حتى لو لم يكن ثمة سبب، حتى لو لم يكن ثمة
+
+362
+00:37:25,270 --> 00:37:31,470
+سبب، فإن الملكية هي السبب الرئيسي، لكن هذا ما هو ش
+
+363
+00:37:31,470 --> 00:37:35,590
+ملكية، واحد يقول إيش معنى المستأجر؟ لأنه غالباً لأ
+
+364
+00:37:35,590 --> 00:37:41,990
+لأن المستأجر فقد كل الأسباب، لا شهرة، ولا ملكية، ولا
+
+365
+00:37:41,990 --> 00:37:49,710
+تعاقد، ولا دافع فلوس، فبأيّ يعني وجه نعطيه الحق في
+
+366
+00:37:49,710 --> 00:37:54,350
+هذا المال، ما في، يعني بالمنطق، شريعتنا والله شريعة
+
+367
+00:37:54,350 --> 00:37:59,610
+المنطق، شريعة العقل، شريعة العدل، وليس غير ذلك
+
+368
+00:37:59,610 --> 00:38:03,590
+طيب، الآن آخر سبب
+
+369
+00:38:09,260 --> 00:38:15,340
+إذا كان السبب الذي
+
+370
+00:38:15,340 --> 00:38:19,280
+دفع المالك
+
+371
+00:38:19,280 --> 00:38:23,000
+لطلب
+
+372
+00:38:23,000 --> 00:38:30,240
+أو لأخذ الخلو هو أيه؟ هو القوانين، فاكرين القوانين؟
+
+373
+00:38:30,240 --> 00:38:34,760
+قوانين الدولة، دعني
+
+374
+00:38:34,760 --> 00:38:44,260
+أقول بين قوسين، الجائرة أو الظالمة، اللي هي إيش كانت؟
+
+375
+00:38:44,260 --> 00:38:56,020
+كانت بتحد من حرية المالك، أو بتحد أو بتعطي تسعيرة
+
+376
+00:38:56,020 --> 00:39:05,530
+أو بتجمد الأسعار، لأ، أو تعطي الآن بالنسبة للمستأجر
+
+377
+00:39:05,530 --> 00:39:09,030
+هناك، بالنسبة للمالك، أثرت على المالك، وأثرت على
+
+378
+00:39:09,030 --> 00:39:14,450
+المستأجر، هناك المالك بدأ يحتال، أو بدأ يدور طرق، و
+
+379
+00:39:14,450 --> 00:39:19,210
+قلنا أنه ماعليش، يعني على أساس يأخذ مقدم، لأنه أساساً
+
+380
+00:39:19,210 --> 00:39:25,100
+يملك، مش هيك؟ لكن الآن أنا متعاقد معاه العشر سنين
+
+381
+00:39:25,100 --> 00:39:30,120
+وخلصت العشر سنين، وقلت له يلا، و .. و .. و .. ولم
+
+382
+00:39:30,120 --> 00:39:35,000
+يكن قد دفعه، ولا حقق شهرة، ولا حاجة، لكن هو الآن
+
+383
+00:39:35,000 --> 00:39:42,380
+الدافع له، يا إخوة
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/pHDo1hKPNGI_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/pHDo1hKPNGI_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..6a3cb642e64da5a20fb635934afb676a84701b10
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/pHDo1hKPNGI_postprocess.srt
@@ -0,0 +1,1664 @@
+1
+00:00:20,990 --> 00:00:25,550
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:25,550 --> 00:00:30,530
+على رسول الله وعلى آله وصحبه ومن اتدى بهديه واستنى
+
+3
+00:00:30,530 --> 00:00:38,810
+بسنته إلى يوم الدين وبعد لا يزال الحديث متواصل حول
+
+4
+00:00:38,810 --> 00:00:47,710
+أحكام أو الأحكام المتعلقة بالخلو على اختلاف صوره
+
+5
+00:00:47,710 --> 00:00:55,960
+الثلاثبعد أن تحدثنا في المحاضرتين السابقتين عن
+
+6
+00:00:55,960 --> 00:01:05,840
+الخلو من حيث تعريفه لغة واصطلاحا و النشأة و كذلك
+
+7
+00:01:05,840 --> 00:01:12,160
+عن الصور أو الحالات و كذلك عن الأسباب التي كانت
+
+8
+00:01:12,160 --> 00:01:18,560
+ورا وجود ظاهرة الخلو على اختلاف صورها بدأنا نتحدث
+
+9
+00:01:18,560 --> 00:01:25,310
+عنالأحكام المتعلقة بكل صورة وبدأنا بالصورة الأولى
+
+10
+00:01:25,310 --> 00:01:31,790
+أو الحالة الأولى، سميها حالة أو صورة، لا إشكال،
+
+11
+00:01:31,790 --> 00:01:41,650
+وهي فيما إذا كان الخلو قد أخذه المالك من المستأجر
+
+12
+00:01:42,410 --> 00:01:50,670
+وعرفنا أن الحكمة أو أنه ليس ثمة حكمة واحدة أو حكمة
+
+13
+00:01:50,670 --> 00:01:57,810
+مجملة أو حكمة عامة
+
+14
+00:01:57,810 --> 00:02:08,690
+بل إن الحكمة يتعلق بكل سبب أو يختلف ربما باختلاف
+
+15
+00:02:08,690 --> 00:02:18,740
+السببأخذ المالك بسبب ايه؟البدل حتى وإن كانت
+
+16
+00:02:18,740 --> 00:02:23,600
+النتيجة واحدة في النهاية لكن يهمنا أن نعرف السبب
+
+17
+00:02:23,600 --> 00:02:31,100
+لأن الأحكام مرتبطة بأسبابها وبعلالها خاصة في مجال
+
+18
+00:02:31,100 --> 00:02:37,580
+المعاملات فقلنا بأنه إذا كان السبب الذي من أجله
+
+19
+00:02:37,580 --> 00:02:44,930
+أخذ المالك بدلا للخلو من المستأجر هو ما حصلواتققه
+
+20
+00:02:44,930 --> 00:02:55,330
+هذا المالك من سمعة وشهورة للمحل بذل فيها الكثير من
+
+21
+00:02:55,330 --> 00:03:01,790
+الجهد والمال والوقت والفكر والإبداعأو كان ذلك بسبب
+
+22
+00:03:01,790 --> 00:03:08,930
+قيمة المحل قيمة المكانية للمحل فإن هذا مما يسويغ
+
+23
+00:03:08,930 --> 00:03:15,790
+له في الشريعة الإسلامية أخذ البدل لأن هذه الأمور
+
+24
+00:03:15,790 --> 00:03:22,030
+وإن كانت أشياء معنوية إلا أن العلماء قد أجازوا
+
+25
+00:03:22,030 --> 00:03:30,580
+بيعها أو أخذ بدل عنها لأنها من حقوق الإبتكارالتي
+
+26
+00:03:30,580 --> 00:03:37,460
+لصاحبها الحق في الانتفاع بها والمالك هو صاحب هذا
+
+27
+00:03:37,460 --> 00:03:44,050
+الحقإضافة إلى حقه في تأجير أو بيع محله أو عقاره
+
+28
+00:03:44,050 --> 00:03:49,230
+هذا حق إضافي حق بدل الشهرة فإن أخذ الخلو بدل
+
+29
+00:03:49,230 --> 00:03:56,710
+الشهرة فكأنه يعني يكيف في هذه الحالة الخلو على أنه
+
+30
+00:03:56,710 --> 00:04:04,330
+ثمن لإيه لشراء هذه هذا الحق على و هو حق الشهرة ولا
+
+31
+00:04:04,330 --> 00:04:10,450
+إشكالة في ذلك إن كان الخلو هذا سببهأما إذا كان
+
+32
+00:04:10,450 --> 00:04:18,910
+الخلق سببه يعود إلى حاجة المالك للمال بسبب البناء
+
+33
+00:04:18,910 --> 00:04:26,510
+بسبب الاستثمار فكذلك قلنا بأن هذا يسويغ له أخد
+
+34
+00:04:26,510 --> 00:04:30,590
+البدل شرع يعني نحن نتحدث عن أهلكم الشرعي يسويغ له
+
+35
+00:04:30,590 --> 00:04:40,240
+أخد البدل ولكن يبقى السؤال البدل مقابل ماذا؟البدل
+
+36
+00:04:40,240 --> 00:04:47,860
+مقابل ماذا؟ خاصة أنه ليس بيعا بدليل أنه لا يستطيع
+
+37
+00:04:47,860 --> 00:04:57,040
+أن يبيعه ولا يتملكه وكذلك هو شيء من ما سوى الأجرأ
+
+38
+00:04:57,040 --> 00:05:02,860
+فهو إيه؟ لأنه يأخذ إيجارة، إذا مقابل ماذا أخدهم؟
+
+39
+00:05:03,190 --> 00:05:09,050
+مقابل ماذا؟ هنا يأتي السؤال أجازوا فكان عليهم أن
+
+40
+00:05:09,050 --> 00:05:16,730
+يعلّله أو يوضحوا لماذا؟ هو الجواز يعني عصب الهواء؟
+
+41
+00:05:16,730 --> 00:05:22,290
+لأ طبعا وإنما هناك مسوّغات أو تكييف فقالوا بأن هذا
+
+42
+00:05:22,290 --> 00:05:27,890
+كما كنا المرة الماضية إما أن يكون هذا البدل يمثل
+
+43
+00:05:27,890 --> 00:05:36,800
+جزء من الأجرةجزء من الأجرة بدليل بدليل أنه عندما
+
+44
+00:05:36,800 --> 00:05:44,460
+أجر هذا المحل أجره بأقل من الأجرة المعتمدة أو أجرة
+
+45
+00:05:44,460 --> 00:05:52,160
+المثل فكأنه يعني ايه يعني أخذ جزء من الأجرة لكن
+
+46
+00:05:52,160 --> 00:05:57,740
+على وجه الإجمال والتقديم أجرة
+
+47
+00:06:00,120 --> 00:06:07,600
+مقدمة تمثل جزء من الأجراء على مدار سنوات يعني عداد
+
+48
+00:06:07,600 --> 00:06:15,320
+و عندها لا إشكل إن كان الأمر كمالة إن كان الأمر ..
+
+49
+00:06:15,320 --> 00:06:19,040
+إن سئل .. إن سألناه فقولنا ما السبب؟ لماذا؟ بأي
+
+50
+00:06:19,040 --> 00:06:22,320
+حق؟ فيقولك يا عم أنا ماجره بـ30 دينار و هذا المحل
+
+51
+00:06:22,320 --> 00:06:25,420
+باسوة من الدنار هدولة يا عم مقابل .. هو بدي أقعد
+
+52
+00:06:25,420 --> 00:06:30,100
+عشر سنواتلو انت تحسبها حيلاج الفرجيد السبعين في
+
+53
+00:06:30,100 --> 00:06:34,180
+العشر سنين هني مجموعة المبلغ تقريبا يعني اكتر او
+
+54
+00:06:34,180 --> 00:06:39,480
+اقل اللي اخدته انا اخدت بدل ايجار مقدم هل استطيع
+
+55
+00:06:39,480 --> 00:06:45,120
+احد ان يقول ان هذا ممنوع شرعا؟ طبعا لأ لأن هناك
+
+56
+00:06:45,120 --> 00:06:51,420
+تكييف احنا قلنا ان الأمور مش مرتبطة باسماء سميها
+
+57
+00:06:51,420 --> 00:06:57,800
+خلوة سميها ما شئتأو تعرف الناس على تسمية ذلك خلو
+
+58
+00:06:57,800 --> 00:07:05,920
+أو أجرى أو مقدم أو معجل المهم المضمون أنها جزء من
+
+59
+00:07:05,920 --> 00:07:14,140
+الأجرى أو كما قلنا أنها ربما تكيف على أنها شراء
+
+60
+00:07:14,140 --> 00:07:21,830
+منفعة أو جول بدلشراء منفعة واحنا قلنا ان شراء
+
+61
+00:07:21,830 --> 00:07:27,550
+المنفعة حالة بين حالتين البيع والشراء اسف بين
+
+62
+00:07:27,550 --> 00:07:32,570
+حالتين البيع والإجارة بيع المنفعة لا هو بيع مطلق
+
+63
+00:07:32,570 --> 00:07:39,410
+فيه مواصفات البيع ولا هو إجارة بالمعنى المعروف
+
+64
+00:07:39,410 --> 00:07:46,990
+يختلف عن البيعمن حيث التمليك ومن حيث جواز البيأ
+
+65
+00:07:46,990 --> 00:07:53,450
+ولكنه يتفق معاه في سائر وجوه الانتفاع في سائر وجوه
+
+66
+00:07:53,450 --> 00:08:01,930
+الانتفاع يعني يورث يتصرف يهب يؤجر يعني يأخذ خلوة
+
+67
+00:08:01,930 --> 00:08:07,790
+كما لو كان مالكا فقط لا يحققه البيأ
+
+68
+00:08:12,030 --> 00:08:20,650
+يختلفوا عن الإيجارة من حيث إن الإيجارة مقيّدة فقط
+
+69
+00:08:20,650 --> 00:08:28,840
+بالمستهاجر ومدة الإيجار والانتفاع فقطمقيدة بالمدة،
+
+70
+00:08:28,840 --> 00:08:33,000
+مقيدة بالمستأجر، فلا يجوز المستأجر أن يؤجر لشخص
+
+71
+00:08:33,000 --> 00:08:37,720
+آخر، لا يجوز أن يمدد على كيفه مدت الإيجار إلا
+
+72
+00:08:37,720 --> 00:08:42,340
+بالاتفاق، لا يجوز له أن يفعل شيئا في العقار بدون
+
+73
+00:08:42,340 --> 00:08:50,240
+إذن صاحب بمجرد انتهاء المدة المتفق عليها في العقد،
+
+74
+00:08:50,240 --> 00:08:56,520
+ينبغي أن يخرج إلا أن يمدد له باتفاقلا يجوز له لا
+
+75
+00:08:56,520 --> 00:09:01,740
+يرث أو لا يورث هذا الإيجار أو لا يورث إلى غير ذلك،
+
+76
+00:09:01,740 --> 00:09:06,880
+يختلف لكن المنفع زي ما شوفنا يعني دائرتها أو دائرة
+
+77
+00:09:06,880 --> 00:09:13,240
+الانتفاع في بيئ المنفعة أوسع من دائرة الانتفاع في
+
+78
+00:09:13,240 --> 00:09:19,100
+الإجارة، الإجارة انتفاعةوشراء المنفعة انتفاع لكن
+
+79
+00:09:19,100 --> 00:09:23,980
+دائرة الانتفاع في بيع المنفعة أوسع لأنه يحق له كما
+
+80
+00:09:23,980 --> 00:09:29,900
+قلنا مال يحقه للمستأجري في بعض المعاملات كالتوريثي
+
+81
+00:09:29,900 --> 00:09:38,160
+للانتفاع بالمحل او كحق تأجيره لشخص اخر او كحق تاخذ
+
+82
+00:09:38,160 --> 00:09:42,080
+الخلوة او لأن المستأجر مش دايما بحق ياخذ الخلوة
+
+83
+00:09:42,080 --> 00:09:46,700
+لكن هذا .. هذا .. هذا دفع مصارييعني احنا هنشوف
+
+84
+00:09:46,700 --> 00:09:50,320
+المستاجر في ظروف معينة، فمش هيقدر ياخد فيها خلوة
+
+85
+00:09:50,320 --> 00:09:55,520
+ولا يجوز، ولو طالب يكونوا حراما عليه، إذا كانت
+
+86
+00:09:55,520 --> 00:10:02,280
+الحاجة التي دفعت فلا بأس، واحنا قلنا الحاجة هي سبب
+
+87
+00:10:02,280 --> 00:10:09,240
+إضافي وليس سببا رئيسي، والسبب الرئيسي في تجويز أخذ
+
+88
+00:10:09,240 --> 00:10:15,080
+الخلوة للمالك من المستاجر هو إيه؟هو التمليك نفسه،
+
+89
+00:10:15,080 --> 00:10:22,060
+هو الملكية، مش المنفعة، ملكية العقار، المالك يملك
+
+90
+00:10:22,060 --> 00:10:28,280
+ملكية عقار يا أخوة كاملةملكية العقار ملكية
+
+91
+00:10:28,280 --> 00:10:33,700
+الانتفاق متضمنة ضمن تندرج و ضمن ملكية المنفعة انا
+
+92
+00:10:33,700 --> 00:10:40,380
+مالف للشيء مالكه و مسجل في طوابه قبضا عن جد او
+
+93
+00:10:40,380 --> 00:10:44,860
+بفلوس يشريها من حقي بعد ذلك ابيع و اشتري و من حقي
+
+94
+00:10:44,860 --> 00:10:49,600
+لمن ابيع ابيع بالطريقة اللي بديها بمعنى بالتقصيد
+
+95
+00:10:49,600 --> 00:10:54,220
+مؤجل مؤجل بمخلو
+
+96
+00:10:54,220 --> 00:11:04,090
+بدون خلوما دمت أملك فالشرع أعطاني حق التصرف المطلق
+
+97
+00:11:04,090 --> 00:11:09,550
+ما لم يترتب على ذلك ضرر او مدامة وفق مظلة الشرع
+
+98
+00:11:09,550 --> 00:11:14,410
+انا من حقها التصرف الملكية فما بالكم اذا كان اذا
+
+99
+00:11:14,410 --> 00:11:20,250
+انضافة الى الملكية ايه الحاجة الملكية لحلب تعطيك
+
+100
+00:11:20,250 --> 00:11:29,030
+الحق في انك تبيع بطريق هاديمعجل، مؤجل، مقدم، مقصد،
+
+101
+00:11:29,030 --> 00:11:36,800
+cash ولا لا؟مش هيك اللي بيصير لو واحد باع البيت
+
+102
+00:11:36,800 --> 00:11:39,440
+بتابعه ولا المحل بتابعه بالتجسيد حد بيقوله ممنوع
+
+103
+00:11:39,440 --> 00:11:44,880
+أو حرام أو مخالف باعه بده طلب باعه نص و نص مافي
+
+104
+00:11:44,880 --> 00:11:49,220
+مشكلة فالملكيته يا اخوان هي التي تعطي هي السبب
+
+105
+00:11:49,220 --> 00:11:56,080
+الرئيس حقيقة بالنسبة فلذلك انتوا هتلاحظوا بالنسبة
+
+106
+00:11:56,080 --> 00:12:00,380
+للمالك الحالة الأولى اللي شرحناها المرة اللي فاتت
+
+107
+00:12:00,380 --> 00:12:02,480
+يكاد تكاد تكون
+
+108
+00:12:05,280 --> 00:12:12,580
+كان يكون الحكم على اختلاف الأسباب واحد الحكم على
+
+109
+00:12:12,580 --> 00:12:17,460
+اختلاف الأسباب واحد سواء كان الحكم الشهرة او كان
+
+110
+00:12:17,460 --> 00:12:22,800
+الحكم الموقع او كان الحاجة او حتى القوانين من باب
+
+111
+00:12:22,800 --> 00:12:29,960
+اولى انه في ظل وجود قوانين ظالمة تحد من ملكية او
+
+112
+00:12:29,960 --> 00:12:36,430
+من حرية المالكأو تضع تسعيرة إجبارية أقل من
+
+113
+00:12:36,430 --> 00:12:42,430
+التسعيرة المعقولة والتسعيرة العادلة وأجرة المثل،
+
+114
+00:12:42,430 --> 00:12:47,370
+كل ذلك، كل الحالات، شوفنا نتيجة إيش، يسوّغوا له أو
+
+115
+00:12:47,370 --> 00:12:52,570
+تسوّغوا له الشريعة أن يأخذ بدلاًبدل اقوله ولا لا
+
+116
+00:12:52,570 --> 00:12:58,270
+فعلى اختلاف الأسباب لكن احنا بدنا نعرف وجه السبب
+
+117
+00:12:58,270 --> 00:13:03,490
+توجيه يعني لما لو طلب توضح السبب ووجهه والوجه
+
+118
+00:13:03,490 --> 00:13:11,600
+الشرعي الذي من أجله ساغأ أخذ هذا البدلساغة و شرع و
+
+119
+00:13:11,600 --> 00:13:19,340
+شريعة أخد هذا البدل إذا فيما إذا كان المالك هو
+
+120
+00:13:19,340 --> 00:13:25,500
+الذي أخد بدل الخلوة تتعدد الأسباب و على اختلاف
+
+121
+00:13:25,500 --> 00:13:31,280
+الأسباب و على اختلاف التفاصيل خرجنا بنتيجة أنه
+
+122
+00:13:31,280 --> 00:13:38,820
+يجوز للمالك أن يأخذ بدلا للخلوة لأنه في الأصل مالك
+
+123
+00:13:41,250 --> 00:13:45,110
+يعني أنا بقولكوا في سبب عام من كل الأسباب هذه لأن
+
+124
+00:13:45,110 --> 00:13:50,790
+هو مالك في العصر يمكن
+
+125
+00:13:50,790 --> 00:13:55,130
+في مسألة القانون وجينا شوية تفصيل بسيطة لكنها على
+
+126
+00:13:55,130 --> 00:14:00,810
+الراجح أنها لا إشكال وأنها تسويغه له لننتقل إلى
+
+127
+00:14:00,810 --> 00:14:05,190
+الصورة الثانية الواهية أو الحالة الثانية اللي هي
+
+128
+00:14:05,190 --> 00:14:12,860
+فيما إذا كان البدلبدل الخلو الذي أخذه أو طالب به
+
+129
+00:14:12,860 --> 00:14:18,420
+من المستأجر المستأجر من المالك الآن الصور
+
+130
+00:14:18,420 --> 00:14:24,220
+الأولانية المالك اللي كان طالبه وعرفنا أيش الحكم
+
+131
+00:14:24,220 --> 00:14:29,660
+الهو الجواز على اختلاف الأسباب هل سينسحب الحكم
+
+132
+00:14:29,660 --> 00:14:37,950
+تماما على المستأجر أم أن ثم تتفصيل سنراإذا كان
+
+133
+00:14:37,950 --> 00:14:45,790
+المستأجر هو الذي أخذ الخلو أو بدل الخلو من المالك،
+
+134
+00:14:45,790 --> 00:14:51,910
+أيضا احنا مضطرين مرة أخرى نعود إلى الأسباب، إلى
+
+135
+00:14:51,910 --> 00:14:57,350
+معرفة الأسبابعشان نكون دقيقين، مابناش احنا .. يعني
+
+136
+00:14:57,350 --> 00:15:00,770
+احنا هناك مع ان الحكم كان واحد في النهاية و كنا
+
+137
+00:15:00,770 --> 00:15:05,810
+قادرين نقول يحق للمالك ان يأخذ لكن احنا عشان نفهم
+
+138
+00:15:05,810 --> 00:15:11,050
+كان لابد من التفصيل فذكرنا الحكمة المتعلق بكل سبب
+
+139
+00:15:14,030 --> 00:15:18,650
+وإن كانت النتيجة واحدة عشان تتطهي الصورة والآن
+
+140
+00:15:18,650 --> 00:15:25,430
+كذلك نريد أن نوضح ما هو الدافع ما هو السبب الذي
+
+141
+00:15:25,430 --> 00:15:33,030
+جعله يأخذ وننظر فيه وننظر ما مدى مشروعيته كما قرر
+
+142
+00:15:33,030 --> 00:15:40,330
+الفقهاء أولاالسبب المشترك هذا الأولاني خالص اللي
+
+143
+00:15:40,330 --> 00:15:47,070
+هو إذا كان المستأجر قد حقق سمعة وشهرة كان السبب
+
+144
+00:15:47,070 --> 00:15:54,290
+الذي دفع المستأجر للمطالبة بالخلوة أو إلى أخذ
+
+145
+00:15:54,290 --> 00:16:01,190
+الخلوة هو إيه؟ هو ما أنجزه وحققه من شهرة وسمعة
+
+146
+00:16:01,190 --> 00:16:10,100
+للمحل في الصورة الثانيةفيما إذا كان البدل يعني
+
+147
+00:16:10,100 --> 00:16:16,260
+مأخوذ أخده المستاجر من المالك طيب عليا يعني موجود؟
+
+148
+00:16:16,260 --> 00:16:23,090
+موجود مش موجود؟ ضيفوا أنا بقولكوا خلاصإذا كان هذه
+
+149
+00:16:23,090 --> 00:16:29,530
+ما فيها إشكال و أثبتنا الحكم فيها عندما تحدثنا عن
+
+150
+00:16:29,530 --> 00:16:33,130
+الإسم التجاري و أكدنا ذلك عندما تحدثنا عن المالك
+
+151
+00:16:33,130 --> 00:16:39,210
+عندما حقق شهرة فجازله أن يأخذ و كذلك المستاجر لو
+
+152
+00:16:39,210 --> 00:16:42,650
+المستاجر حقق شهرة يا أخوة على مدار عشر سنين و لا
+
+153
+00:16:42,650 --> 00:16:49,400
+عشرين سنةوحتى لو لم يكن هنا انتبهوا حتى لو لم يكن
+
+154
+00:16:49,400 --> 00:16:55,280
+هذا المستأجر قد سبق له أن دفع خلوة وكان فقط مستأجر
+
+155
+00:16:55,280 --> 00:17:06,020
+استيجار عادي الفرضية هيك لكن فقط هو ايه كان قد حقق
+
+156
+00:17:06,020 --> 00:17:07,520
+شهرة للمحل
+
+157
+00:17:11,310 --> 00:17:18,970
+في هذه الحالة يجوز له أن يطالب المالك عندما يريد
+
+158
+00:17:18,970 --> 00:17:24,190
+أن يخرجه بعد انقضاء المدة انقضت المدة ما تفكرين
+
+159
+00:17:24,190 --> 00:17:28,810
+لعشر سنين خلصت مع السلامة مع السلامة ماشي بس انا
+
+160
+00:17:28,810 --> 00:17:35,430
+المحل لما يوم ما أخدته ماكانش في عليه زباين ماكانش
+
+161
+00:17:35,430 --> 00:17:40,940
+له سمعة ماكانش له شهرةكان على فرض ان الوقت هو
+
+162
+00:17:40,940 --> 00:17:46,940
+الوقت من حيث الأسعار و كذا اليوم لو انت بدك تأجره
+
+163
+00:17:46,940 --> 00:17:53,300
+انا متأجر كنت ب 50 دينار على افتراض ان الوضع
+
+164
+00:17:53,300 --> 00:17:58,620
+الاقتصادي هو هو لكن اليوم ما يعني مستعد اي واحد
+
+165
+00:17:58,620 --> 00:18:04,280
+يتأجره ب 150 دينار لو بدك تبيعه كان يوم ان اخدته و
+
+166
+00:18:04,280 --> 00:18:08,720
+هذا كله بسبب الشهرةيوم إذ ما أخدت بسوى عشر تلاف
+
+167
+00:18:08,720 --> 00:18:12,740
+دينار اليوم بسوى أشرين ألف، من الذي تسبب في هذه
+
+168
+00:18:12,740 --> 00:18:17,320
+الزيادة؟ إنها الشهرة التي حققتها أنا، وبدلت الجهدة
+
+169
+00:18:17,320 --> 00:18:23,640
+فيها أنا، ودفعت يعني كده وكده أنا، وسمعتي وش ..
+
+170
+00:18:23,640 --> 00:18:29,710
+فحق ليه أن أخذ بدلا عنها بالاتفاق؟بيني وبينهم
+
+171
+00:18:29,710 --> 00:18:34,410
+ويعني يحلوا ليه ان احنا المقصود هنا ان يحلوا ليه
+
+172
+00:18:34,410 --> 00:18:39,910
+عندما نتوافق على مبلغ ألف ألفين اكثر اقل ويحلوا
+
+173
+00:18:39,910 --> 00:18:44,950
+للدافع هذا المال ويحلوا للاخذ المال لهذه الخلق إذا
+
+174
+00:18:44,950 --> 00:18:49,370
+كان مقابل الشهرة يحلوا للدافع والاخذ على حد سواء
+
+175
+00:18:49,370 --> 00:18:57,820
+لأنه أخذهمقابل شيء وليس هكذا ظلمًا وعدوانًا، احنا
+
+176
+00:18:57,820 --> 00:19:06,160
+ضد أن يكون الأخذ ظلمًا أو بغير وجه حق أو بالباطل،
+
+177
+00:19:06,160 --> 00:19:11,180
+لكن إن كان ثم تبدل، ولو كان معنويًا يمكن أن يكون
+
+178
+00:19:11,180 --> 00:19:18,060
+له مردودًا مادين، فلا بأس، هذا منهإذا هذه الحالة
+
+179
+00:19:18,060 --> 00:19:25,680
+الأولى، الحالة الثانية أو السبب الثاني، آسف، بدأنا
+
+180
+00:19:25,680 --> 00:19:28,460
+في الحالة الثانية أو الصورة الثانية، فإذا كان
+
+181
+00:19:28,460 --> 00:19:33,880
+السبب الشعراء، لا بأس، وإن كان السبب أن المشتري
+
+182
+00:19:33,880 --> 00:19:40,880
+دفع خلوًا الآناشترى يعني منفعة او جزء من الإيجار
+
+183
+00:19:40,880 --> 00:19:46,020
+مقدم سمى كيفه كيف انا شئت احنا قلنا التكييف للخلو
+
+184
+00:19:46,020 --> 00:19:50,140
+اللى بيدفعه اللى كان اخد المالك اول مرة اما انه
+
+185
+00:19:50,140 --> 00:19:56,380
+كيفه على انه بدل شراء منفعة او بيع منفعة واما انه
+
+186
+00:19:56,380 --> 00:20:01,650
+كيفه بدل جزء من الاجرة مش شايف؟فإن كان قد سفق له
+
+187
+00:20:01,650 --> 00:20:09,130
+أي المستاجر أن دفع للمالك مبلغا من المال على أساس
+
+188
+00:20:09,130 --> 00:20:12,410
+إنه شراع منفعة أو على أساس جزء من الإيجار المقدم
+
+189
+00:20:12,410 --> 00:20:15,750
+ثم
+
+190
+00:20:15,750 --> 00:20:24,110
+أراد المالك أن يخرجه بعد يعني فترة في حقيقتها هذه
+
+191
+00:20:24,110 --> 00:20:34,070
+الفترة تقل عنكونها بدلا عن هذا المال الذي أخذهه في
+
+192
+00:20:34,070 --> 00:20:41,990
+أول مدة الإيجار إذا كان الأمر كذلك فأيضا يحق
+
+193
+00:20:41,990 --> 00:20:49,930
+للمستأجر أن يطالب أو أن يأخذه بدلا أو خلوا عند
+
+194
+00:20:49,930 --> 00:20:58,140
+إخراجه أو عند خروجهلأنه لازال له حق هو لما دفع هذا
+
+195
+00:20:58,140 --> 00:21:04,280
+الخلوق لكي يستمر اما على التأبيد او يعني مدة غير
+
+196
+00:21:04,280 --> 00:21:12,100
+مفتوحة او لأنه شراء منفعة مدة مفتوحة وان لا يكن من
+
+197
+00:21:12,100 --> 00:21:18,880
+حقه ان يتملك لكن او حتى ان كان مدة محددة لكن ما
+
+198
+00:21:18,880 --> 00:21:27,430
+دفعههو لم يقضي هذه المدة بعد وما دفعه لا يزال اكثر
+
+199
+00:21:27,430 --> 00:21:33,510
+من ما انتفع به ففي هذه الحالة يعني ايضا مقتضيات
+
+200
+00:21:33,510 --> 00:21:39,790
+الحق و العدل يعني ان يكون ثمة وجه توازن بين ما دفع
+
+201
+00:21:39,790 --> 00:21:45,850
+و ما اخذ بين من توفع به و بين ما .. الثمن لذلك
+
+202
+00:21:45,850 --> 00:21:51,720
+الثمن اللي دفعه اكثر من المدة اللي انتفع فيهاوالان
+
+203
+00:21:51,720 --> 00:21:56,760
+لسبب معين المالك لانه في صار انت عاش تجاري لأي سبب
+
+204
+00:21:56,760 --> 00:22:01,400
+ولا ماصارش احتاجه الان طب انا لسه بد المحل يا عمي
+
+205
+00:22:01,400 --> 00:22:06,540
+انا لسه في اول المشروع انا انت بتخسرني انت كذا انا
+
+206
+00:22:06,540 --> 00:22:10,120
+لسه لازال الحق في الاستمرار وانا دافع جابي غير كل
+
+207
+00:22:10,120 --> 00:22:14,600
+هذا انا دافعلك مبلغ محترم من المال تيجي بعد سنتين
+
+208
+00:22:14,600 --> 00:22:20,330
+ولا تلاتة تقوللي مع السلامةمن حقي في هذه الحالة
+
+209
+00:22:20,330 --> 00:22:27,570
+إذا كنت قد دفعت خلوة مقدمة للمالك، من حقي أن أطالب
+
+210
+00:22:27,570 --> 00:22:33,490
+بخلوة، ليس بالضرورة أن يكون هذا طبق بالضبط مثل
+
+211
+00:22:33,490 --> 00:22:39,030
+الخلوة التي دفعته، ممكن يكون أجل، ممكن يكون جد،
+
+212
+00:22:39,030 --> 00:22:45,490
+ممكن يكون أكثرلأنه مرات يعني إذا كان الأسعار يعني
+
+213
+00:22:45,490 --> 00:22:52,030
+قيمة المال انخفضت الوضع الاقتصادي ازدهر يعني بحسب
+
+214
+00:22:52,030 --> 00:22:56,190
+التراضي المهم يتم الاتفاق عليه من الأخر يكون جائزا
+
+215
+00:22:56,190 --> 00:23:03,170
+لإن هو حقيقة بدل يعني ما سبق أن أخده يعني هو بيصير
+
+216
+00:23:03,170 --> 00:23:07,250
+يا إخوة يعني التكيف الشرعي كإنه اشترى شيء واحد
+
+217
+00:23:07,250 --> 00:23:12,940
+الآن اشترى اشترى أي شيء اشترت هذا الطاولة أنابألف
+
+218
+00:23:12,940 --> 00:23:18,520
+شكل و بعدين او اشتريت طاولتين خليني اقول ألف ألف و
+
+219
+00:23:18,520 --> 00:23:22,520
+بعد فترة اه بقيت طاولة و خليت طاولة و جابت معايا
+
+220
+00:23:22,520 --> 00:23:28,120
+الطاولة ألفين بحاجة سعر الله في مشكلة؟أو بقى جيب
+
+221
+00:23:28,120 --> 00:23:32,700
+.. بقى .. بقى جالب نص سنة، خمس مية، هل واحد يقول
+
+222
+00:23:32,700 --> 00:23:36,320
+يوم أنت قعدت لعشر سنين عندك، انت فقد فيها بالألف
+
+223
+00:23:36,320 --> 00:23:41,040
+شيخ له زيادة، هل يحق له ذلك أن ياخدها بدون .. لأ
+
+224
+00:23:41,040 --> 00:23:44,940
+أنا بقدر أبيع أحد أجالب أكثر، في مرة من مرات لما
+
+225
+00:23:44,940 --> 00:23:50,240
+انقطع الخشب أو صار في .. يعني في فترات معينة، في
+
+226
+00:23:50,240 --> 00:23:54,780
+الأشياء ولعتها، لأنه .. وصاروا يدوروا على خشب
+
+227
+00:23:54,780 --> 00:24:02,600
+السحيرعارفين الصحاحير يعني البكس المش نافع ويعملوا
+
+228
+00:24:02,600 --> 00:24:06,840
+منه غرف نوم، اه إذا حيكون واحد منك اشتري غرف نوم
+
+229
+00:24:06,840 --> 00:24:14,180
+من هالنوع، فيعني و بأغلى الأسعار، يعني تتغير و
+
+230
+00:24:14,180 --> 00:24:20,660
+تتبدل، ومع ذلك هل نستطيع نقول إن هذا سعرفكذلك هو
+
+231
+00:24:20,660 --> 00:24:26,260
+الآن شارع .. شارع منفعة معينة و الآن صاحبها لم يعد
+
+232
+00:24:26,260 --> 00:24:30,100
+صاحبها، أنا بعد ما شاريت المنفعة، المشتري ..
+
+233
+00:24:30,100 --> 00:24:33,600
+البائع الأول إذا بدوا إياها يشتريها مني يا عم، زي
+
+234
+00:24:33,600 --> 00:24:38,150
+أي سلع تانييشتريها مني بحسب الاتفاق وبحسب السوق
+
+235
+00:24:38,150 --> 00:24:43,610
+أكتر أجل بنفس السر مش مشكلة يعني ليس بالضرورة أنه
+
+236
+00:24:43,610 --> 00:24:47,670
+يكون نفس الخلو اللي دفعه لأنه فيه متغيرات جديدة
+
+237
+00:24:47,670 --> 00:24:52,170
+فيه متغيرات على عصير انه انتجعت سنينفممكن تنزل
+
+238
+00:24:52,170 --> 00:24:55,950
+السعر، في متغيرات ممكن بالعكس، الوضع الاقتصادي
+
+239
+00:24:55,950 --> 00:25:02,750
+اتغير، الشركة الرخص، فممكن تاخد اكتر، ممكن يعني مش
+
+240
+00:25:02,750 --> 00:25:10,970
+مهم، اللي بيتم الاتفاق حليه يتم قبوله
+
+241
+00:25:10,970 --> 00:25:16,550
+من قبل الشرقفلا بأس فإذا كان .. نرجع نعود .. إذا
+
+242
+00:25:16,550 --> 00:25:23,170
+كان السبب يعود إلى شراء أو إلى أن المستأجر كان قد
+
+243
+00:25:23,170 --> 00:25:27,630
+دفع من قبل مبلغا اللي هو الخلوة الأول اللي أخده
+
+244
+00:25:27,630 --> 00:25:33,330
+المالك فيجوز له يعني أن يطالب و يأخذ، ليس استردادا
+
+245
+00:25:33,830 --> 00:25:40,290
+وانما عملية مش حكاية استرداد، لأ عملية مقابل مقابل
+
+246
+00:25:40,290 --> 00:25:44,630
+ما دفع، مقابل ما دفع وقد يكون اللي دفعه قد استهلك
+
+247
+00:25:44,630 --> 00:25:52,940
+جزء منهوبالتالي أقل قد يكونوا ما اشتراهوا يعني غلط
+
+248
+00:25:52,940 --> 00:25:58,260
+أسعاره من نصيبه برضه، فهو يصبحوا كما السلعة، كما
+
+249
+00:25:58,260 --> 00:26:03,960
+السلعة التي ترتفع و تنخفض أسعارها و يجوزوا
+
+250
+00:26:03,960 --> 00:26:09,880
+الانتفاع بيها و يجوزوا التصرف فيها
+
+251
+00:26:11,350 --> 00:26:15,110
+طيب إذا مافيش مشكلة إذا كان المستاجر كان .. لما
+
+252
+00:26:15,110 --> 00:26:18,470
+يكون المستاجر كان دافع في مسوغ شرعي و يجوز أقل او
+
+253
+00:26:18,470 --> 00:26:24,890
+أكتر طيب إذا كانت سببه الآن انتظروا .. انتبهوا
+
+254
+00:26:24,890 --> 00:26:31,650
+معايا لم يصنع .. لم يحقق شهرة ولم يدفع خلوة
+
+255
+00:26:31,650 --> 00:26:37,090
+المستاجر لم يدفع .. لما دفع .. لما حقق شهرة قلنا
+
+256
+00:26:37,090 --> 00:26:45,100
+له ماشيمسموح تاخد لما دفع خلوه في الأول اه والان
+
+257
+00:26:45,100 --> 00:26:55,140
+بده يطلع المالك اه بنقوله ماشي okay مشروع الان لعب
+
+258
+00:26:55,140 --> 00:27:01,560
+الشهرة و لا هو تأجير عادي تأجير عادي مبلغ مش نص
+
+259
+00:27:01,560 --> 00:27:09,900
+المبلغ تأجارة عاديةلكن هو متأجر لمدة عشر سنين مش
+
+260
+00:27:09,900 --> 00:27:13,380
+بالضرورة انا اكون دفاعين على فكرة لكن احنا الأجار
+
+261
+00:27:13,380 --> 00:27:18,700
+انا على عشر سنين و كل سنة بدفعلك في مشكلة؟ مافي
+
+262
+00:27:18,700 --> 00:27:26,280
+مشكلة او لعشرين سنة بعد خمس سنين المالك قال له يا
+
+263
+00:27:26,280 --> 00:27:32,140
+عم انا هذا محتاجه بدياه المحل بدياه الشجرة بدنا
+
+264
+00:27:32,140 --> 00:27:42,190
+نجوز الولدبدّيها الأرض بدنا نبني المستأجرها قلّه
+
+265
+00:27:42,190 --> 00:27:46,670
+أنا متأجر لعشر سنين قلّه ماشي انت متأجر لعشر سنين
+
+266
+00:27:46,670 --> 00:27:52,150
+بس انا مابدى انت الان لخمس سنين تدفعلي انا لخمس
+
+267
+00:27:52,150 --> 00:27:56,650
+سنين اللي كان .. اللي ضايلات افترض ان ده فعل مقدم
+
+268
+00:27:56,650 --> 00:28:02,210
+برجعهاقال له برجعلك الخمس سنين اللي .. او بدفع ..
+
+269
+00:28:02,210 --> 00:28:04,770
+او الفرضية تانية و مش دافعها قال له انت مش دافعها
+
+270
+00:28:04,770 --> 00:28:10,690
+وبالتالي ليس لك حق المشتري .. المالك بيقوله انت
+
+271
+00:28:10,690 --> 00:28:15,390
+بدك تقلع و هذا ملكي و انت لك خمس سنين تدفع سنة سنة
+
+272
+00:28:15,390 --> 00:28:18,890
+و الخمس سنين هدول مادفعتهمش و انا خلاص لأن دانو بس
+
+273
+00:28:18,890 --> 00:28:23,450
+قال له انا متعاقد معاك لعشر سنين ولو مش دافعها بس
+
+274
+00:28:23,450 --> 00:28:25,710
+انا ملتزم بالدفع سنة بسنة
+
+275
+00:28:29,050 --> 00:28:37,090
+فهل يجوز في هذه الحالة للمستأجر ان يطالب خلوا اذا
+
+276
+00:28:37,090 --> 00:28:43,390
+ما اخرج او اذا ما طلب منه المالك ان يخرج بعد خمس
+
+277
+00:28:43,390 --> 00:28:47,950
+سنين وكان مستأجرا لمدة عشر سنين ولم يدفع الخمس
+
+278
+00:28:47,950 --> 00:28:53,910
+سنين التانيات او يعني لازال ولم يكن قد حققش ورا
+
+279
+00:28:53,910 --> 00:29:01,200
+الفرضية ولم يكن ايهقد دفع خلوة من قبل غاية ما كان
+
+280
+00:29:01,200 --> 00:29:06,180
+بيدفعه الأجرة السنوية العادية لخمس سنين و لو دفع
+
+281
+00:29:06,180 --> 00:29:09,580
+الكل قال له المالك قال له هاي الخمس سنين اللي
+
+282
+00:29:09,580 --> 00:29:16,060
+دفعتهم اذا كنا .. خدهم نعم اخدهم طب استنوا شوية
+
+283
+00:29:16,060 --> 00:29:20,900
+قال له انت هيك بتقول المستأجر رد عليه المستأجر
+
+284
+00:29:20,900 --> 00:29:28,790
+جاري جاري معاملاتجالله طب انا لو شاريت زي ما قولنا
+
+285
+00:29:28,790 --> 00:29:35,050
+شارتلي اربع روز غنم ولا اربع خمس فولات ولا اكمن
+
+286
+00:29:35,050 --> 00:29:43,150
+شغلة واستفدت يعني اشتغلت عليهم فتحت مشروع و بعدين
+
+287
+00:29:43,150 --> 00:29:49,930
+اخر يعني فترة بده ابيعهم او ببيع جزء منهموالجزء
+
+288
+00:29:49,930 --> 00:29:54,630
+منهم جاء بحاجة السائر كله، هل في ذلك إشكالية؟ لأ
+
+289
+00:29:54,630 --> 00:30:01,270
+مثلا او الآن هو طب ما دخله هذا؟ هذا يقاسه على ذاك،
+
+290
+00:30:01,270 --> 00:30:07,330
+كيف؟ قال له أنا شريت منك الانتفاع لمدة عشر سنين،
+
+291
+00:30:07,330 --> 00:30:13,030
+انتبهواتكييف الإيجار انتفاع، وانا تعاقدت معاك، انا
+
+292
+00:30:13,030 --> 00:30:17,030
+متعاقد معاك، العقد هيه لعشر سنين، انا الآن العشر
+
+293
+00:30:17,030 --> 00:30:21,590
+سنين شاريها و لا مش دافع عجارها، لسه، انا متعاقد و
+
+294
+00:30:21,590 --> 00:30:27,550
+مش تأجرها و الاتفاقشهر شهر او سنة سنة انا لخمس
+
+295
+00:30:27,550 --> 00:30:32,250
+سنين شريها و انا لما اتفجت معاك اصلا دفعت بزيادة
+
+296
+00:30:32,250 --> 00:30:37,970
+شوية يعني كأنه بيقوله مثلا علشان انا بدي مشروع
+
+297
+00:30:37,970 --> 00:30:45,430
+يتكامل انا خطتي عشريةانا لأقل لسه بدأ الربح يبدأ
+
+298
+00:30:45,430 --> 00:30:48,490
+لأنتي هتقول اللي هو اجيب انا عامل دكورات و عامل
+
+299
+00:30:48,490 --> 00:30:52,590
+سمعة او لسه السمعة مانجتش خليني افترض لإن السمعة
+
+300
+00:30:52,590 --> 00:30:57,390
+لسه لكن كمان شوية ممكن الخمس سنين التنيات هتقولهن
+
+301
+00:30:57,390 --> 00:31:03,430
+اللي انا بتمنى و بستنى فيهن الربح الحقيقي انت جيه
+
+302
+00:31:03,430 --> 00:31:08,410
+تقولي اطلع بلاش هكذا بدك انا اطلع باطلع بدي خمس
+
+303
+00:31:08,410 --> 00:31:18,330
+تلاف ديناربطلع، هل من حقه؟ نعم من حقه، بالضبط كما
+
+304
+00:31:18,330 --> 00:31:25,930
+أن من اشتر شيئا و أراد أن يبيعه بسعر أغلى من حقه،
+
+305
+00:31:25,930 --> 00:31:32,770
+وهذا اشتر مدة المدة، اشتر لمدة العشر سنينبثمن معين
+
+306
+00:31:32,770 --> 00:31:39,810
+الان البائع يريده اللي هو المؤجر يريد ان يسترد هذه
+
+307
+00:31:39,810 --> 00:31:44,910
+هو يعني بيستردها انا لما اشترت من الطاولة بعد سنة
+
+308
+00:31:44,910 --> 00:31:48,330
+يقولي بدي اياها وخايا حاجها طب بديش يا بتدفع حاجة
+
+309
+00:31:48,330 --> 00:31:51,610
+مرتين يا بلاش من حاجي ولا مش من حاجي؟ وقدت زيه
+
+310
+00:31:51,610 --> 00:31:56,990
+قاله باطلعش ايش بدك؟ مقابل .. طيب السؤال هنا مقابل
+
+311
+00:31:56,990 --> 00:32:02,560
+ماذا؟ هو الأجرة زي ما قلنا مش هيدفعهامقابل ماذا
+
+312
+00:32:02,560 --> 00:32:07,620
+أخذ هذه الخلوة؟ يعني هو مقابل .. يعني هي كأنها ..
+
+313
+00:32:07,620 --> 00:32:16,400
+الفرضية كيف؟ كأنه المال .. هذا المبلغ اللي أخده هو
+
+314
+00:32:16,400 --> 00:32:22,660
+ربح زائد على رأس مال الأجرة التي كان ينبغي أن
+
+315
+00:32:22,660 --> 00:32:28,910
+يدفعها كيف يعني؟يعني الأجرة هذه المفروض هو أنا
+
+316
+00:32:28,910 --> 00:32:33,450
+شهير أو مستأجر على أساس من 100 دينار 100 دينار
+
+317
+00:32:33,450 --> 00:32:39,410
+الشهر في عندي خمس سنين السنة بالألف هي 5000 دينار
+
+318
+00:32:39,410 --> 00:32:45,930
+لكن .. لكن حقيقة اليوم الأجرة تساوي 200 دينار مثلا
+
+319
+00:32:45,930 --> 00:32:51,130
+او لو انا بدأ اطلع و اتأجر في مكان اخر او انا
+
+320
+00:32:51,130 --> 00:33:00,540
+ماببيعشخلّيني أقول حصتي أو أجر يعني تخلايتي عن هذا
+
+321
+00:33:00,540 --> 00:33:07,540
+المكان يعني ب 200 دينار فأنا بطالب بهذا الحق يعني
+
+322
+00:33:07,540 --> 00:33:13,700
+مجموعة ال 5000 دينار كأنه أنا هو أستلمهم أي هاي
+
+323
+00:33:13,700 --> 00:33:18,100
+رأس المال تبعي هو أنا مادفعتوش و فوق ربحت كمان
+
+324
+00:33:18,100 --> 00:33:26,490
+5000 دينار فكأن ال 5000 دينارهي ربح زائد عن بيعه
+
+325
+00:33:26,490 --> 00:33:31,890
+أو تنازله عند هذه المنفعة أو الانتفاع اللذي ملكه
+
+326
+00:33:31,890 --> 00:33:36,830
+بالإيجار هو يملك بالإيجار منفعة معينة من حقه أن
+
+327
+00:33:36,830 --> 00:33:44,770
+يبيعها ويكيف هذا الخلو على أنه يعني كمثابة ربح
+
+328
+00:33:44,770 --> 00:33:53,280
+يعني استفاده من خلال تعاقده في هذه الفترةيعني مدام
+
+329
+00:33:53,280 --> 00:33:59,640
+.. يا إما البديل الآخر إيش؟ إنه المالك يستنى الخمس
+
+330
+00:33:59,640 --> 00:34:05,940
+سنين التنيات عندها هناك كلام أخر وهذه هي الصورة
+
+331
+00:34:05,940 --> 00:34:09,960
+الثالثة أو السبب الثالث إذا لم يكن الآن، إذا لم
+
+332
+00:34:09,960 --> 00:34:16,240
+يكن في مدة يا إخوة باجية باختصار إذا كان المستأجر
+
+333
+00:34:16,240 --> 00:34:26,990
+له مدة متبقيةمن التعاقد جاز للمستاجر أن يطالب خلوا
+
+334
+00:34:26,990 --> 00:34:35,310
+بدلا عن تركه للمحل مقابل هذه المدة بيجوز لأن المدة
+
+335
+00:34:35,310 --> 00:34:41,110
+هذه إله ومن حقه أن يبيع ويتصرف فيها زي ما بده تمام
+
+336
+00:34:41,110 --> 00:34:48,190
+الآن إذا لم يكن قد حقق شهرة ولا
+
+337
+00:34:51,820 --> 00:35:00,620
+ولا دفع خلوا، وليس له مدة متبقية، متفجين على عشر
+
+338
+00:35:00,620 --> 00:35:07,660
+سنين، اجار عادي، لا خلوه، ولا شهرة، ولا غيره، وبعد
+
+339
+00:35:07,660 --> 00:35:13,300
+العشر سنين، أجي يقوله، لأ اجي اتخلص وانا اتخلص، مش
+
+340
+00:35:13,300 --> 00:35:18,500
+عاوز اجددانتهى الأمر قالله باطلعش إلا لأنه بده
+
+341
+00:35:18,500 --> 00:35:26,220
+يبلط .. الآن خشت البلطجي البلطجية خشوا مقابل
+
+342
+00:35:26,220 --> 00:35:33,800
+ماذا؟ لا سوير شهرة ولا دفعة مصاري قبل خلوه ولا إلك
+
+343
+00:35:33,800 --> 00:35:39,180
+مدة تعاقد اللي تكون حجة إلك تقول أنا شارع المدة
+
+344
+00:35:39,180 --> 00:35:47,620
+اللي لجيلك أي مسور مش لجيهبدك تطلع غصب عنك الشرق
+
+345
+00:35:47,620 --> 00:35:51,760
+هيك يعني لو رفع الأمر وفي هذه الحالة للمحكمة
+
+346
+00:35:51,760 --> 00:35:56,120
+الشرقية أو للقاضي الشرقي بده من ذناب يمسكوا هيك
+
+347
+00:35:56,120 --> 00:36:02,200
+ويقولوا برا لكن إذا مافيش قضاء وفيه بلطجية يحموه
+
+348
+00:36:02,200 --> 00:36:08,060
+أو فيه جوة وعائلية وغيره يمكن يظلوا مبلط والله لم
+
+349
+00:36:08,060 --> 00:36:10,560
+يدفعوا الأجار ولا مايدفعش كمان بعد هيك
+
+350
+00:36:13,840 --> 00:36:19,860
+احنا مالنا، احنا شرعا لا يجوز له، لو يعني إذا أخده
+
+351
+00:36:19,860 --> 00:36:25,400
+الزلمة يقال بديش مشاكل، في ناس غلطة، ماسكتش مشاكل،
+
+352
+00:36:25,400 --> 00:36:30,920
+كدش انا بدك ألفين دنار، افضل مع السلامة، حرام، هذا
+
+353
+00:36:30,920 --> 00:36:36,280
+مال حرام يصيرهناك لجنان ومسوغ لمن كان في مدة تعاقد
+
+354
+00:36:36,280 --> 00:36:41,020
+لمن عمل شهرة لمن عمل لمن كان دافع في وجه من العدل
+
+355
+00:36:41,020 --> 00:36:47,100
+والحق الشرع مع ذلك نقول له صحتين لكن ليس تمت أي
+
+356
+00:36:47,100 --> 00:36:53,460
+وجه دورنالك مافي الا باطل فحرام هذا حرام والاصل ان
+
+357
+00:36:53,460 --> 00:36:55,580
+لا تاخد الشريعة يعني
+
+358
+00:36:59,380 --> 00:37:06,060
+أمام هذا الأمر مشرعة أو مسوقة، لا يجوز، لا تأكلوا
+
+359
+00:37:06,060 --> 00:37:10,500
+أموالكم بينكم، هذا عقل لأموال الناس بالباطل، الأصل
+
+360
+00:37:10,500 --> 00:37:15,300
+مع السلامة، تمام، إذا نشوف أي حالة عندنا، لكن يا
+
+361
+00:37:15,300 --> 00:37:18,980
+أخوة، شوفوا هناك في المالك، لو رجعنا شوية، احنا
+
+362
+00:37:18,980 --> 00:37:25,270
+جون المالك حتى لو لم يكن ثمة سببحتى لو لم يكن ثمة
+
+363
+00:37:25,270 --> 00:37:31,470
+سبب فإن الملكية هي السبب الرئيسي لكن هذا مانوش
+
+364
+00:37:31,470 --> 00:37:35,590
+ملكية واحد يقول إيش معنى المستاجر؟ لأنه غالبا لأ
+
+365
+00:37:35,590 --> 00:37:41,990
+لأن المستاجر فقد كل الأسباب لا شهرة ولا ملكية ولا
+
+366
+00:37:41,990 --> 00:37:49,710
+تعاقد ولا دافعة فلوس فبأي يعني وجه نعطيه الحق في
+
+367
+00:37:49,710 --> 00:37:54,350
+هذا المال مافييعني بالمنطق، شريعتنا والله شريعة
+
+368
+00:37:54,350 --> 00:37:59,610
+المنطق، شريعة العقل، شريعة العدل، وليس غير ذلك
+
+369
+00:37:59,610 --> 00:38:03,590
+طيب، الآن أخر سبب
+
+370
+00:38:09,260 --> 00:38:15,340
+إذا كان السبب اللذي
+
+371
+00:38:15,340 --> 00:38:19,280
+دفع المالك
+
+372
+00:38:19,280 --> 00:38:23,000
+لطلب
+
+373
+00:38:23,000 --> 00:38:30,240
+أو لأخذ الخلو هو أيه؟ هو القوانين فاكرين القوانين؟
+
+374
+00:38:30,240 --> 00:38:34,760
+قوانين الدولة دعني
+
+375
+00:38:34,760 --> 00:38:44,260
+أقول بين قوسينالجائرة أو الظالمة اللي هي إيش كانت؟
+
+376
+00:38:44,260 --> 00:38:56,020
+كانت بتحد من حرية المالك أو بتحد أو بتعطي تسعيرة
+
+377
+00:38:56,020 --> 00:39:05,530
+أو بتجمد الأسعارلأ او تعطي الان بالنسبة للمستأجر
+
+378
+00:39:05,530 --> 00:39:09,030
+هناك بالنسبة للمالك أثرت على المالك و أثرت على
+
+379
+00:39:09,030 --> 00:39:14,450
+المستأجر هناك المالك بدأ يحتال او بدأ يدور طرق و
+
+380
+00:39:14,450 --> 00:39:19,210
+قلنا انه ماعليش يعني على أساس ياخد مقدم لأنه أساسا
+
+381
+00:39:19,210 --> 00:39:25,100
+يملك مش هيك؟لكن الان انا متفج معاها العشر سنين
+
+382
+00:39:25,100 --> 00:39:30,120
+وخلصت العشر سنين وقلت له يلا و .. و .. و .. ولم
+
+383
+00:39:30,120 --> 00:39:35,000
+يكن قد دفعه ولا حقق شهرة ولا حاجة لكن هو الان
+
+384
+00:39:35,000 --> 00:39:42,380
+الدافع له يا اخوه ايش ان ظهره مسنود .. مسنود بإيش؟
+
+385
+00:39:42,380 --> 00:39:49,180
+بالقانونالقانون بيقوله يا حبيبي لك الحق ان تستمر
+
+386
+00:39:49,180 --> 00:39:57,000
+في البقاء مادم تدفع الإيجار، مادم تدفع الإيجار
+
+387
+00:39:57,000 --> 00:40:02,680
+المتفق عليه، طب أنا يا عم بدي ملكي، انا يا المالك
+
+388
+00:40:02,680 --> 00:40:08,400
+بدي ملكي، فالمستعجل بيقوله بيدخل الملك، بعطيكيا
+
+389
+00:40:10,290 --> 00:40:12,930
+احنا نسيبنه من اللي لازم، هذا لازم حكم، احنا جابن
+
+390
+00:40:12,930 --> 00:40:20,330
+للحكم، احنا على كتاب، فبقوله بدي المعلوم،
+
+391
+00:40:20,330 --> 00:40:28,360
+بدي المعلوم، بدي شو بدك؟ بدي ألفين، تلاتةأخد
+
+392
+00:40:28,360 --> 00:40:34,160
+المبلغ حرام ولا حلال؟ مشروع ولا مش مشروع؟ هذه
+
+393
+00:40:34,160 --> 00:40:38,760
+السؤال اللى بدنا نصله الان فيه سند قانونى الصورة
+
+394
+00:40:38,760 --> 00:40:44,080
+اللى جامل لا سند قانونى ولا سند شرعى ولا تعاقد ولا
+
+395
+00:40:44,080 --> 00:40:48,940
+شهراء ولا تفع فكان حراما بالاتفاق الان فيه سند
+
+396
+00:40:48,940 --> 00:40:52,760
+قانونى قدّينا نرجع شوية احنا فاكرين لما نقول
+
+397
+00:40:53,860 --> 00:40:59,920
+القوانين هذه سمنها قوانين ظالمة وجائرةولا لا
+
+398
+00:40:59,920 --> 00:41:06,460
+اعتبرناها شرعا جائرة وباطلة وما بني على باطل فهو
+
+399
+00:41:06,460 --> 00:41:07,380
+باطل
+
+400
+00:41:29,690 --> 00:41:38,350
+الثمرة تبع تحطس الحرام وهنا الغطاء الذي يعطيك الحق
+
+401
+00:41:38,350 --> 00:41:43,650
+في الامتداد القانوني غطاء غير شرعي فقط هو قانوني
+
+402
+00:41:43,650 --> 00:41:49,290
+ظالم فبالتالي ليس لك الحق في الامتداد وبالتالي
+
+403
+00:41:49,290 --> 00:41:55,100
+وليس لك الحق من الانتفاع في هذا الامتدادالانتفاع
+
+404
+00:41:55,100 --> 00:41:59,280
+والاستفادة منه فلا يجوز لك المطالبة حتى وإن غطتك
+
+405
+00:41:59,280 --> 00:42:04,340
+القوانين لأنها قوانين ظالمة وهذا ما عليه الجمهور
+
+406
+00:42:04,340 --> 00:42:10,560
+من العلماء، هناك رأيقال انا بفترض والله انتوا هيك
+
+407
+00:42:10,560 --> 00:42:14,800
+يعني شوية انا بفترض في السلطان او في الحاكم انه
+
+408
+00:42:14,800 --> 00:42:19,340
+عندما وضع هذه القوانين وضعها بقصد المصلحة
+
+409
+00:42:19,340 --> 00:42:24,760
+ومراعاتها وبالتالي جازله الانتفاع جازل مين الان ها
+
+410
+00:42:24,760 --> 00:42:29,300
+هذا الطابق الأخضر جازل المستاجر الانتفاع بهذه
+
+411
+00:42:29,300 --> 00:42:35,380
+المدة ومن وجوه الانتفاع ايه بيعها او اخد خلو منها
+
+412
+00:42:35,380 --> 00:42:41,890
+لكن حقيقة هذا عن الأقلفيه شبهة والرسول صلى الله
+
+413
+00:42:41,890 --> 00:42:47,370
+عليه وسلم يقول يعني اترأوا الحدود بالشبهات؟ احنا
+
+414
+00:42:47,370 --> 00:42:52,490
+مش حدود هنا بيقول الحلال بين والحرام بين وبينهما
+
+415
+00:42:52,490 --> 00:42:59,430
+أمور مشتبهات فمن أراد أن يستبرئ لدينه وعرضه فليتق
+
+416
+00:42:59,430 --> 00:43:00,110
+الشبهات
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/reWGSyfQbTk_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/reWGSyfQbTk_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..613758ed38046be369105cddd6324e36c4b46dd8
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/reWGSyfQbTk_raw.json
@@ -0,0 +1 @@
+{"segments": [{"id": 1, "seek": 4441, "start": 20.67, "end": 44.41, "text": "بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام على رسول الله وعلى آله وصحبه ومن اهتدأ بهذه واستنى بالسنة والخلايا والمدينة لقد طلبنا الوقت ونحن نتحدث عن الخلوات لكن أعيدكم أن هذه المحاضرة ستكون الأخيرة في حديثنا عن الخلوات", "tokens": [3555, 38251, 21984, 34892, 5016, 27842, 34892, 5016, 32640, 21542, 2304, 3215, 24976, 3224, 16070, 9381, 15040, 3660, 16070, 3794, 37440, 15844, 12602, 3794, 12610, 21984, 4032, 3615, 23942, 19753, 43761, 4032, 9381, 5016, 3555, 3224, 4032, 27842, 1975, 3224, 2655, 3215, 10721, 39627, 24192, 4032, 32277, 2655, 1863, 7578, 20666, 3794, 1863, 3660, 4032, 6027, 9778, 15040, 25528, 4032, 45340, 3215, 9957, 3660, 5296, 28543, 23032, 46152, 8315, 2423, 30543, 2655, 4032, 1863, 5016, 1863, 8717, 2655, 24401, 12984, 18871, 33962, 1211, 2407, 9307, 44381, 5551, 3615, 25708, 24793, 14739, 29538, 9673, 5016, 46958, 25720, 8608, 2655, 30544, 16247, 9778, 48923, 8978, 11331, 16254, 12984, 8315, 18871, 33962, 1211, 2407, 9307], "avg_logprob": -0.13696073008849557, "compression_ratio": 2.0603015075376883, "no_speech_prob": 2.562999725341797e-06, "words": [{"start": 20.67, "end": 20.97, "word": "بسم", "probability": 0.881591796875}, {"start": 20.97, "end": 21.11, "word": " الله", "probability": 0.96630859375}, {"start": 21.11, "end": 21.41, "word": " الرحمن", "probability": 0.9456380208333334}, {"start": 21.41, "end": 21.85, "word": " الرحيم", "probability": 0.9928385416666666}, {"start": 21.85, "end": 22.19, "word": " الحمد", "probability": 0.9134114583333334}, {"start": 22.19, "end": 22.55, "word": " لله", "probability": 0.94384765625}, {"start": 22.55, "end": 23.05, "word": " والصلاة", "probability": 0.870849609375}, {"start": 23.05, "end": 23.49, "word": " والسلام", "probability": 0.95947265625}, {"start": 23.49, "end": 23.67, "word": " على", "probability": 0.71826171875}, {"start": 23.67, "end": 24.03, "word": " رسول", "probability": 0.990234375}, {"start": 24.03, "end": 24.29, "word": " الله", "probability": 0.96240234375}, {"start": 24.29, "end": 25.25, "word": " وعلى", "probability": 0.9327799479166666}, {"start": 25.25, "end": 25.61, "word": " آله", "probability": 0.97021484375}, {"start": 25.61, "end": 26.29, "word": " وصحبه", "probability": 0.972265625}, {"start": 26.29, "end": 26.51, "word": " ومن", "probability": 0.989501953125}, {"start": 26.51, "end": 26.89, "word": " اهتدأ", "probability": 0.812109375}, {"start": 26.89, "end": 27.31, "word": " بهذه", "probability": 0.7763671875}, {"start": 27.31, "end": 27.81, "word": " واستنى", "probability": 0.703466796875}, {"start": 27.81, "end": 28.23, "word": " بالسنة", "probability": 0.6888427734375}, {"start": 28.23, "end": 28.71, "word": " والخلايا", "probability": 0.573974609375}, {"start": 28.71, "end": 29.65, "word": " والمدينة", "probability": 0.83447265625}, {"start": 29.65, "end": 31.77, "word": " لقد", "probability": 0.947509765625}, {"start": 31.77, "end": 32.45, "word": " طلبنا", 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آخر أن نفهم أن ثم تختلف بين هذه الصورة وبين كل من الصورتين السابقتين في الجملة ذلك أنه عندما أخذ المالك خلوًا من", "tokens": [46152, 3215, 36632, 11296, 33688, 9778, 2407, 3660, 4032, 1863, 5016, 1863, 8717, 2655, 24401, 12984, 18871, 5551, 9778, 8848, 9673, 14851, 10721, 7435, 2288, 24976, 9778, 1211, 2407, 9154, 3714, 14851, 10721, 7435, 2288, 19753, 34740, 14739, 8717, 5172, 16095, 14739, 38637, 2304, 6055, 46456, 46538, 49374, 29538, 31767, 13063, 3660, 46599, 9957, 28242, 9154, 31767, 13063, 2655, 9957, 21136, 16758, 38149, 9957, 8978, 25724, 2304, 37977, 29910, 23275, 14739, 3224, 43242, 15042, 5551, 9778, 8848, 9673, 6027, 4117, 16490, 1211, 2407, 14111, 995, 9154], "avg_logprob": -0.11440373494707305, "compression_ratio": 1.8392857142857142, "no_speech_prob": 2.384185791015625e-07, "words": [{"start": 147.49, "end": 147.93, "word": "لبد", "probability": 0.727783203125}, {"start": 147.93, "end": 148.25, "word": " أيها", "probability": 0.7340087890625}, {"start": 148.25, "end": 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أهم", "probability": 0.9443359375}, {"start": 2124.7, "end": 2125.2, "word": " النقاط", "probability": 0.9513346354166666}, {"start": 2125.2, "end": 2126.06, "word": " المتعلقة", "probability": 0.9915771484375}, {"start": 2126.06, "end": 2126.56, "word": " أو", "probability": 0.37451171875}, {"start": 2126.56, "end": 2128.16, "word": " بمسألة", "probability": 0.96279296875}, {"start": 2128.16, "end": 2129.06, "word": " الخلوة", "probability": 0.9910888671875}, {"start": 2129.06, "end": 2129.5, "word": " المرة", "probability": 0.948486328125}, {"start": 2129.5, "end": 2129.98, "word": " القادمة", "probability": 0.9925130208333334}, {"start": 2129.98, "end": 2130.1, "word": " ان", "probability": 0.56689453125}, {"start": 2130.1, "end": 2130.3, "word": " شاء", "probability": 0.979248046875}, {"start": 2130.3, "end": 2130.6, "word": " الله", "probability": 0.9638671875}, {"start": 2130.6, "end": 2131.82, "word": " نتحدث", "probability": 0.9656982421875}, {"start": 2131.82, "end": 2132.22, "word": " عن", "probability": 0.994140625}, {"start": 2132.22, "end": 2133.76, "word": " التأمين", "probability": 0.9859619140625}, {"start": 2133.76, "end": 2135.04, "word": " حقيقته", "probability": 0.9573974609375}], "temperature": 1.0}, {"id": 92, "seek": 213984, "start": 2136.86, "end": 2139.84, "text": "وأنواعه و الأحكام", "tokens": [2407, 33456, 14407, 3615, 3224, 4032, 16247, 5016, 4117, 10943], "avg_logprob": -0.1645063947547566, "compression_ratio": 0.7804878048780488, "no_speech_prob": 0.0, "words": [{"start": 2136.86, "end": 2138.26, "word": "وأنواعه", "probability": 0.8748046875}, {"start": 2138.26, "end": 2138.88, "word": " و", "probability": 0.78662109375}, {"start": 2138.88, "end": 2139.84, "word": " الأحكام", "probability": 0.86767578125}], "temperature": 1.0}], "language": "ar", "language_probability": 1.0, "duration": 2140.55475, "duration_after_vad": 2064.336874999997}
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/reWGSyfQbTk_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/reWGSyfQbTk_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..52d109d1cc7c5f55eec422042c43501dd457975a
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/reWGSyfQbTk_raw.srt
@@ -0,0 +1,1372 @@
+1
+00:00:20,670 --> 00:00:23,490
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:23,490 --> 00:00:27,810
+على رسول الله وعلى آله وصحبه ومن اهتدأ بهذه واستنى
+
+3
+00:00:27,810 --> 00:00:33,930
+بالسنة والخلايا والمدينة لقد طلبنا الوقت ونحن
+
+4
+00:00:33,930 --> 00:00:39,690
+نتحدث عن الخلوات لكن أعيدكم أن هذه المحاضرة ستكون
+
+5
+00:00:39,690 --> 00:00:44,410
+الأخيرة في حديثنا عن الخلوات
+
+6
+00:00:46,050 --> 00:00:51,710
+و كما ترون سنتحدث فيها عن حكم أخذ المستأجر للخلو
+
+7
+00:00:51,710 --> 00:00:59,810
+من مستأجر آخر، كنا قد تحدثنا عن حكم أخذ الخلو
+
+8
+00:00:59,810 --> 00:01:06,080
+من قبل المالك من المستاجرالصورة الأولى واتحدثنا عن
+
+9
+00:01:06,080 --> 00:01:12,500
+حكم أخذ المستاجر للخلو من المالك واليوم نتحدث عن
+
+10
+00:01:12,500 --> 00:01:20,220
+حكم أخذ الخلو من قبل المستاجر من مستاجر آخر عرفنا
+
+11
+00:01:20,220 --> 00:01:25,140
+ونحن نتحدث عن حكم أخذ الخلو من المالك أو من
+
+12
+00:01:25,140 --> 00:01:30,440
+المستاجر أن الحكم يعود إلى السببفي الجملة بغض
+
+13
+00:01:30,440 --> 00:01:34,680
+النظر عن اتفاق الأسباب أو اختلاف الأسباب وأثرها
+
+14
+00:01:34,680 --> 00:01:39,800
+على النتيجة والحكم لكن الحكم له علاقة بالسبب علاقة
+
+15
+00:01:39,800 --> 00:01:47,440
+مباشرة فكلما كان السبب له مسوغ وقبول في الشرع كان
+
+16
+00:01:47,440 --> 00:01:52,800
+الحكم كذلك وإن لا فلا ذلك أن الحكم كما قلنا دائما
+
+17
+00:01:52,800 --> 00:02:00,050
+يدور مع إلهته أو مع سببه وجودا وعدماوكذلك الحال لن
+
+18
+00:02:00,050 --> 00:02:05,390
+يخرج بيان حكم أخذ المستاجر للخلوة من مستاجر آخر عن
+
+19
+00:02:05,390 --> 00:02:11,270
+هذا النمط وعن هذه الطريقة فلبد أن نعود مرة أخرى
+
+20
+00:02:11,270 --> 00:02:16,990
+إلى الأسباب التي تدعو المستاجر
+
+21
+00:02:16,990 --> 00:02:25,530
+للمطالبة أو الأخذ للخلوة من مستاجر آخر ثم نحكم بعد
+
+22
+00:02:25,530 --> 00:02:33,110
+ذلكلبد أيها الإخوة ونحن نتحدث عن أخذ المستأجر
+
+23
+00:02:33,110 --> 00:02:36,190
+للخلو
+
+24
+00:02:36,190 --> 00:02:44,590
+من مستأجر آخر أن نفهم أن ثم تختلف بين هذه الصورة
+
+25
+00:02:44,590 --> 00:02:52,070
+وبين كل من الصورتين السابقتين في الجملة ذلك أنه
+
+26
+00:02:52,070 --> 00:03:01,340
+عندما أخذ المالك خلوًا منمستأجر يعني وعلى اختلاف
+
+27
+00:03:01,340 --> 00:03:08,400
+الأسباب يعني كل ذا بالجواز ذلك أنه في الأصل يملك
+
+28
+00:03:08,400 --> 00:03:11,480
+هذا
+
+29
+00:03:11,480 --> 00:03:19,900
+العقار وله أن يطالب بالثمن الذي يريد وبالكيف الذي
+
+30
+00:03:19,900 --> 00:03:26,680
+يريد وبالصورة التي يريدوأما بالنسبة لأخذ المستأجر
+
+31
+00:03:26,680 --> 00:03:36,460
+للخلو من المالك فكان هناك عاملان يحكمان الأمر إن
+
+32
+00:03:36,460 --> 00:03:44,260
+كان ثمة قد صنع شهرة وسمعة أو قد دفع للمالك خلو من
+
+33
+00:03:44,260 --> 00:03:53,180
+قبل أو كان له بقية منمن مدة للتعاقد كل ذلك يسوّغ
+
+34
+00:03:53,180 --> 00:03:59,740
+له أن يطالب أو يأخذ خلوًا من المالك أما إن لم يكن
+
+35
+00:03:59,740 --> 00:04:08,880
+شيء من ذلك قد حدث فلا سمعة ولا شهرة ولا شراء خلو
+
+36
+00:04:08,880 --> 00:04:17,160
+ولا خلو دفعه كشراء منفعة ولا مدة للتعاقدولم يدفعه
+
+37
+00:04:17,160 --> 00:04:26,340
+إلى ذلك سواء العربدة ربما أو القوانين الجائرة التي
+
+38
+00:04:26,340 --> 00:04:33,100
+تحمي بقاعه وتعطيه حق الإمتداد القانوني فقلنا بأن
+
+39
+00:04:33,100 --> 00:04:36,720
+هذا لا يسوق على الأقل على الرأي الراجح وإن كان في
+
+40
+00:04:36,720 --> 00:04:41,840
+مسألة القوانين من أجازة ذلك
+
+41
+00:04:42,650 --> 00:04:51,810
+على اعتبار ان الدولة تراعي المصالح العامة لكن الان
+
+42
+00:04:51,810 --> 00:04:58,530
+بين أيدينا مستاجر يريد العلاقة انتقلة لم تعد
+
+43
+00:04:58,530 --> 00:05:03,370
+العلاقة بين المستاجر والمالك في الصورتين الأوليين
+
+44
+00:05:03,370 --> 00:05:08,570
+العلاقة بين المالك والمستاجر بين صاحبي الشأنلكن
+
+45
+00:05:08,570 --> 00:05:13,250
+الآن المستأجر في الأصل علاقته مع المالث يريد أن
+
+46
+00:05:13,250 --> 00:05:21,210
+ينقل منفعته أو انتفاعه إلى شخص ثالث لا علاقة
+
+47
+00:05:21,210 --> 00:05:29,670
+للمالك به وأن يأخذ مقابل ذلك أجرا او مالا يعني
+
+48
+00:05:29,670 --> 00:05:35,470
+حقيقةوإن كانت الأسباب هي هي، لكن قد تختلف الأحكام،
+
+49
+00:05:35,470 --> 00:05:42,470
+ليس بالضرورة أن تحكون الأحكام هي هي ما أريد أن
+
+50
+00:05:42,470 --> 00:05:46,090
+أقوله أيها الأخوة هنا قبل أن أذكر الأسباب تفصيلا
+
+51
+00:05:48,110 --> 00:05:55,810
+أنه .. أنه يمكننا أن نقول أنه عندما تكون .. عندما
+
+52
+00:05:55,810 --> 00:06:04,510
+يصنع هناك المستأجر شهرة أو يدفع خلوة أو تبقى له
+
+53
+00:06:04,510 --> 00:06:09,070
+مدة .. نسوّغ .. احنا سوّغنا قبل في الحالة السابقة
+
+54
+00:06:09,070 --> 00:06:17,710
+سوّغناوشرعنا أخذ الخلو له من المالك لكن في ظل وجود
+
+55
+00:06:17,710 --> 00:06:24,650
+هذه الأسباب هل يشرع له أن يأخذ خلوًا من مستاجر
+
+56
+00:06:24,650 --> 00:06:30,710
+آخر؟ انظروا أيها الأخوة إلى معنى أخذه للخلو من
+
+57
+00:06:30,710 --> 00:06:35,490
+مستاجر آخر هذا يعني أنه تصرف في غير ملكه
+
+58
+00:06:38,550 --> 00:06:45,670
+و .. او على الأقل في غير ملكه وبغير إذن المالك هذا
+
+59
+00:06:45,670 --> 00:06:50,190
+في ال .. في ال .. ولذلك يا أخوة يعني ونحن نتحدث عن
+
+60
+00:06:50,190 --> 00:07:00,150
+هذه الأسباب ينبغي أن نفرق بين طبيعة التعاقدوطبيعة
+
+61
+00:07:00,150 --> 00:07:07,730
+الشروط التي تمت بين المالك ابتداء والمستعجر قبل أن
+
+62
+00:07:07,730 --> 00:07:15,030
+نحكم على مدى شرائية الخلوة التي سيأخذه او أخذه
+
+63
+00:07:15,030 --> 00:07:20,510
+المستعجر من مستعجر آخر ما طبيعة العقل بمعنى ..
+
+64
+00:07:20,510 --> 00:07:26,520
+الفكرة عاوز أوصلها أقول إن كان يا إخوةقبل كل شيء،
+
+65
+00:07:26,520 --> 00:07:33,160
+إن كان ثقمة شروط اشتغطها المالك على المستاجر بأن
+
+66
+00:07:33,160 --> 00:07:40,830
+لا يتصرفواضغط على اي شرط بأن لا يتصرف في هذا
+
+67
+00:07:40,830 --> 00:07:46,490
+العقار تأجيرا او تغييرا او تبديلا يعني واحد مثلا
+
+68
+00:07:46,490 --> 00:07:50,590
+حلاج بيتلاقي يعمل ديكورات ويعمل كذا واحد مطعمج
+
+69
+00:07:50,590 --> 00:07:56,010
+يعمل بلاط ويعمل خرصينة او الى غير ذلك يعني ممكن
+
+70
+00:07:56,010 --> 00:08:00,990
+المالك يقول لا انا ممنوع اتحط اي حاجة ان كان ثمة
+
+71
+00:08:00,990 --> 00:08:08,300
+شروطتمنع المستأجر من التصرف سواء بحسب طبيعة الشروط
+
+72
+00:08:08,300 --> 00:08:11,860
+التصرف في البناء والتغيير في الداخل أو التصرف في
+
+73
+00:08:11,860 --> 00:08:19,110
+التأجيرأو غير ذلك فهذا يا إخوة لتعلموا أنه ابتداء
+
+74
+00:08:19,110 --> 00:08:29,010
+يمنع أخذ المستاجر للخلو من مستاجر آخر لأنه قد
+
+75
+00:08:29,010 --> 00:08:36,410
+تم التوافق على عدم إطاعه الحق في إخلاء هذا المكان
+
+76
+00:08:36,410 --> 00:08:42,850
+لأي شخص آخر، بدك تخليه، لازم ترجعه إليهو بعدين إذا
+
+77
+00:08:42,850 --> 00:08:46,590
+كان إلك حق تاخده مني أنا مش من مستاجر آخر أنا
+
+78
+00:08:46,590 --> 00:08:56,540
+أجرتك أنت يا محمد حمدان بصناعتك هذهتروح توديلي انا
+
+79
+00:08:56,540 --> 00:09:02,220
+أجرته لمعرض ملابس، تروح تعطيني .. تأجرلي لواحد
+
+80
+00:09:02,220 --> 00:09:07,700
+بيبيع مطعمجي يخل الدخان والزيت والكذا يطلع على ال
+
+81
+00:09:07,700 --> 00:09:14,320
+.. مثلا او لنجار او لحداد او كذا على .. هذا يا اخو
+
+82
+00:09:14,320 --> 00:09:18,720
+ابتدال، العقل شريعته المتعقدين والمسلمون عند
+
+83
+00:09:18,720 --> 00:09:25,190
+شروطهم، فهذا ابتدال اللي هي جوزإن كان ثمتا في
+
+84
+00:09:25,190 --> 00:09:34,410
+العقد ما يسمح يعني بالتأجير مش مشكلة الآن إن كان
+
+85
+00:09:34,410 --> 00:09:40,690
+العقد مطلقا عن الشروط إن كان العقد مافيش فيه شروط
+
+86
+00:09:40,690 --> 00:09:49,190
+أنا بأجرك و أنا مش شرطش عليك يعني روح التعاقد و
+
+87
+00:09:49,190 --> 00:09:57,560
+روح العقد تقتضييعني وكان له حق من هذه الحقوق شهرة
+
+88
+00:09:57,560 --> 00:10:09,160
+او بقية من مدة او خلوق يعني دعني اقول انه من حيث
+
+89
+00:10:09,160 --> 00:10:13,440
+المبدأ مدام اعطاه مدام قد أجره وعطاه بالتالي الحق
+
+90
+00:10:13,440 --> 00:10:21,360
+في الانتفاع فيجوز له ان يؤجره لغيره لكن بشرطأحنا
+
+91
+00:10:21,360 --> 00:10:25,880
+بغض النظر عن الإخلاء، عن الخلوة، احنا الآن بشرط أن
+
+92
+00:10:25,880 --> 00:10:37,780
+لا يؤجره لشخص يعني يكون عمله منه أو فيه يعود
+
+93
+00:10:37,780 --> 00:10:45,160
+بالضرر على البناية أكثر من ما أجره هو، من طبيعة
+
+94
+00:10:45,160 --> 00:10:50,240
+عملههو كل إيجار يعود بالضرر يعني على فكرة مهما كان
+
+95
+00:10:50,240 --> 00:10:57,480
+.. يعني أنت أي حاجة بتستخدمها يعني تنقصه من ثمانها
+
+96
+00:10:57,480 --> 00:11:06,720
+و .. لكن في فرق زي ما قولناإذا كان العقد مطلق فأنا
+
+97
+00:11:06,720 --> 00:11:12,200
+ممكن أنا أنجل الملكية الانتفاع وفق ال .. او وفق ..
+
+98
+00:11:12,200 --> 00:11:16,180
+إذا كان اللي باقية من حق طبعا، مش مطلق، اه في ذلك
+
+99
+00:11:16,180 --> 00:11:21,260
+هنراها بأنجل هذه الملكية لشخص آخر في مستوى المهنة
+
+100
+00:11:21,260 --> 00:11:28,570
+بتبعتيلكن زي ما قلتلكوا قبل بشوية عشان خاطر الخلو
+
+101
+00:11:28,570 --> 00:11:35,070
+أو زيادة الخلو أنجلها لشخص لمهنته مختلفة تعود
+
+102
+00:11:35,070 --> 00:11:39,550
+بالضرر على المؤجر أو على الجيران أو على كذا فهذا
+
+103
+00:11:39,550 --> 00:11:44,250
+ايضا امتداء لا يجوز وإن لم يكن ثم تشرط لأن روح
+
+104
+00:11:44,250 --> 00:11:51,240
+التعاقد تقتضي هذا المعنىيعني أنا كنت حابب أحكي هذا
+
+105
+00:11:51,240 --> 00:11:57,820
+في الأول عشان احنا هذه الأمور أو هذه الأحكام اللي
+
+106
+00:11:57,820 --> 00:12:03,840
+أمامنا في الكتاب ووفق هذه الأسباب إذا لم يكن ثم
+
+107
+00:12:03,840 --> 00:12:10,520
+تشرط لكن إن كان ثم تشرط فالالتزام بالشرط يعني ايه
+
+108
+00:12:10,520 --> 00:12:16,360
+أولا إن كان ثم تشرط فالالتزام بالشرط أولا إذا نعود
+
+109
+00:12:18,530 --> 00:12:23,630
+إذا كان السبب نعود إلى الأسباب وبيان الأحكام إذا
+
+110
+00:12:23,630 --> 00:12:29,430
+كان المستأجر الذي يريد أن يأخذ بدلا للخلق من
+
+111
+00:12:29,430 --> 00:12:38,130
+مستاجر آخر قد حقق شهرة وسمعة طيبة ولم يكن تم تشروط
+
+112
+00:12:38,130 --> 00:12:44,930
+هذه بدأت تكون فرضية فرضية ترتب عليها هذه الأحكام
+
+113
+00:12:45,630 --> 00:12:49,290
+لأن إذا أنا باشترط أنه فلا الشهرة ولا الغير بتعطيك
+
+114
+00:12:49,290 --> 00:12:53,570
+الحق إنك تاخد من مستهج الآخر ولكن لا تنفي أن تاخد
+
+115
+00:12:53,570 --> 00:12:59,830
+هذا الحق من المالك أما من وراي أنا مشرط عليك ما
+
+116
+00:12:59,830 --> 00:13:04,550
+تأجرش وإذا بدك تأجر تهالمني على الأقل أو إذا بدك
+
+117
+00:13:04,550 --> 00:13:08,410
+تأجر ما تأجرش لوحد صاحب صناعة غير الصناعة بتبعتك
+
+118
+00:13:08,410 --> 00:13:15,030
+أو في شروط معينة يجب أن تلتزم بهاإذا إن كان ثمة
+
+119
+00:13:15,030 --> 00:13:20,590
+سمعة وشهرة ولم يكن ثمة شروق حقيقة يجوز لكن زي ما
+
+120
+00:13:20,590 --> 00:13:28,410
+قلنا في حدود روحمعنى الإيجار التي تقتضي أن لا ينقل
+
+121
+00:13:28,410 --> 00:13:34,730
+ملكية الانتفاع إلى من .. إلى من هو يعني .. إلى من
+
+122
+00:13:34,730 --> 00:13:43,350
+يستأجر المكان بطريقة تعود بضرر أكبر على المكان أو
+
+123
+00:13:43,350 --> 00:13:49,270
+على المؤجر أو على من حواليه وجيران المستأجر لكن من
+
+124
+00:13:49,270 --> 00:13:52,680
+حياتي المفدأ يجوزمن حيث المبدأ يجوز أن يؤجر
+
+125
+00:13:52,680 --> 00:13:58,620
+وبالتالي يجوز أن يأخذ من مستجر آخر ذلك خاصة يعني
+
+126
+00:13:58,620 --> 00:14:04,040
+في ظل وجود أعراف يعني تجيز ذلك في ظل وجود أعراف
+
+127
+00:14:04,040 --> 00:14:12,080
+تجيز ذلك وعدم وجود شروط تمنع من ذلك طبعا الحالة
+
+128
+00:14:12,080 --> 00:14:16,880
+الثانية إذا كان قد دفع خلوة للمالكإذا كان قد دفع
+
+129
+00:14:16,880 --> 00:14:25,180
+خلوة للمالك اللي هو سمناه شراء المنفعة فكذلك
+
+130
+00:14:25,180 --> 00:14:29,100
+الحالة و بقول مرة أخرى دايما و لم يكن ثمة شروط
+
+131
+00:14:29,100 --> 00:14:34,900
+خاصة مقتضاها أن يمنعه من نقل الملكية إلى مستأجر
+
+132
+00:14:34,900 --> 00:14:42,180
+آخر لم يكن ثمة شروط مثل هذه الشروط فأيضا باعتبار
+
+133
+00:14:42,180 --> 00:14:49,560
+أنه مثل هذا الحقالسابق في الخلوة فإنه يجوز أن
+
+134
+00:14:49,560 --> 00:14:56,690
+يؤجره لمستاجر آخر وأن يأخذ بدلا للخلوةيعني بيحدث
+
+135
+00:14:56,690 --> 00:15:01,770
+كثيرا في الإيجارات اللتي تكون مستأجرة من قبل
+
+136
+00:15:01,770 --> 00:15:06,670
+الحكومة أو المؤسسات العامة البلدية أو الأوقاف أو
+
+137
+00:15:06,670 --> 00:15:15,800
+إلى غير ذلك لأنه بيستأجر منها بكون دفع خلوه فعلاو
+
+138
+00:15:15,800 --> 00:15:21,780
+ال .. و هذه المؤسسات او هذه العامة او الجهات
+
+139
+00:15:21,780 --> 00:15:31,820
+العامة اذا ما اراد ان يعيدها ان .. ان يسلم المؤجر
+
+140
+00:15:31,820 --> 00:15:39,700
+او العقار اليها لا تقطيه شيئا ولكن مها يعني تغض
+
+141
+00:15:39,700 --> 00:15:43,120
+الطرفة عن
+
+142
+00:15:44,070 --> 00:15:49,990
+المستأجرين في حالة تداولهم للإيجار من بعضهم البعض
+
+143
+00:15:49,990 --> 00:15:55,550
+أي في حالة يعني تنازل
+
+144
+00:15:55,550 --> 00:16:01,450
+المستاجر لمستاجر آخر أخذ بدلا أو لم يأخذ تقض الطرف
+
+145
+00:16:01,450 --> 00:16:07,410
+بما يعطي يعني ضوء أخضر أو موافقة ضمنية من قبل هذه
+
+146
+00:16:07,410 --> 00:16:13,730
+الجهات على جواز أخذ المستاجر للبدل من مستاجر أخر
+
+147
+00:16:15,370 --> 00:16:18,990
+وهذا اللي هو احنا بنشوفه حقيقة على أرض الواقع
+
+148
+00:16:45,460 --> 00:16:52,400
+طبعا يا اخوة نفس الحكم سيكون فيما اذا كان ايه؟
+
+149
+00:16:52,400 --> 00:16:59,460
+فيما اذا كان المستأجر قد تبقى له مدة من الإيجار
+
+150
+00:16:59,460 --> 00:17:02,820
+وخلينا
+
+151
+00:17:02,820 --> 00:17:09,080
+افترض انا الآن المالك مسافر اورح المالك اقوله ايش
+
+152
+00:17:09,080 --> 00:17:14,500
+رايك؟ انا خلاصبدي اخلص .. انا متأجر لخمس .. لعشر
+
+153
+00:17:14,500 --> 00:17:20,120
+سنين ويمكن يكون دافعه .. او مش .. فبعد خمس سنين
+
+154
+00:17:20,120 --> 00:17:23,120
+انا مازبطش الأمور معاه و بدي اطلع .. دالله المالك
+
+155
+00:17:23,120 --> 00:17:29,550
+والله انا ماعيش مصاري الآن اعطيكأو لازم تكمل العشر
+
+156
+00:17:29,550 --> 00:17:33,870
+سنين احنا معاها تعاقد أو إلى غير ذلك، فلم يجد من
+
+157
+00:17:33,870 --> 00:17:41,470
+بُد سواء يذهب إلى شخص آخر ليتسلم منه أو ليتنزل له
+
+158
+00:17:41,470 --> 00:17:49,820
+عن العقار ويأخذمنه هذا البدل أو بعض المال ليعوض ما
+
+159
+00:17:49,820 --> 00:17:57,020
+دفعه او احنا الان الصورة مش صور مكانش دافع لكن
+
+160
+00:17:57,020 --> 00:18:04,200
+الصورة ان هو مستجر لمدة لياخذ منه بقية الأجرة ربما
+
+161
+00:18:04,200 --> 00:18:11,070
+بقية الأجرة المتبقيةأو ربما أكثر من ذلك لأنه ممكن
+
+162
+00:18:11,070 --> 00:18:16,650
+يكون المالك مابدوش يطلع أو يكون مسافر ومش عارف لكن
+
+163
+00:18:16,650 --> 00:18:24,170
+في هذه الحالة ذهب إلى مستاجر آخر أقول مرة أخرى إن
+
+164
+00:18:24,170 --> 00:18:28,870
+لم يكن ثم تشروط تمنع فإن من حق المستاجر في هذه
+
+165
+00:18:28,870 --> 00:18:34,500
+الحالة ما دامت له بقية من مدةمتعاقد عليها
+
+166
+00:18:34,500 --> 00:18:40,260
+بحريتيهما اي المالك والمستاجر ودون .. يعني ولم يكن
+
+167
+00:18:40,260 --> 00:18:46,680
+السبب هو تلك القوانين فيجوز له ان يأخذ هذه ال ..
+
+168
+00:18:46,680 --> 00:18:54,120
+هذا الخلو ويجوز للمستاجر الثاني ان يدفع مثل هذا
+
+169
+00:18:54,120 --> 00:18:59,900
+الخلو لأن هو باع مدة الانتفاع واحنا شوفنامدة
+
+170
+00:18:59,900 --> 00:19:05,360
+التعاقد هذه احنا شبهناها بسلع تباع و تشترى و يمكن
+
+171
+00:19:05,360 --> 00:19:12,270
+ان يكون له فيها ربحفيمكنه ان يأخذ خلوا طبعا يا
+
+172
+00:19:12,270 --> 00:19:18,110
+اخوى سواء كان دافع المدة المتبقية او لم يكن ان كان
+
+173
+00:19:18,110 --> 00:19:21,990
+دافع المدة المتبقية الخمس سنين الخمس سنين بخمس
+
+174
+00:19:21,990 --> 00:19:25,230
+تلاف دينار هو دافع أجاره لكن انا بقوله انا بدي
+
+175
+00:19:25,230 --> 00:19:28,890
+أجرك بألف و متين في السنة يعني ممكن ياخد ستة ألاف
+
+176
+00:19:28,890 --> 00:19:34,090
+سواء مقصدا او يعني نقدا
+
+177
+00:19:37,470 --> 00:19:42,750
+ويمكن يا أخوى أن يأخذ أقل من ذلك إذا كان الأجور
+
+178
+00:19:42,750 --> 00:19:47,650
+رخصة شوية أو إلى غير ذلك المهم ما يتم الاتفاق عليه
+
+179
+00:19:47,650 --> 00:19:57,510
+بعد ذلك يجوز للمستاجر أن يأخذه من مستاجر أخر إذا
+
+180
+00:19:57,510 --> 00:20:04,330
+هذه الحالات الثلاثةإذا لم يكن ثبت شرط يخالف ذلك أو
+
+181
+00:20:04,330 --> 00:20:10,950
+يقيد المستاجر بقيد معين فإنه يجوز له أن يأخذ من
+
+182
+00:20:10,950 --> 00:20:18,450
+مستاجر آخر خلوا يتنازل مقابله عن العقار اللي ينتفع
+
+183
+00:20:18,450 --> 00:20:24,530
+به هذا المستاجر الثاني لكن إن لم يكن المستاجر
+
+184
+00:20:24,530 --> 00:20:27,570
+الأول
+
+185
+00:20:27,570 --> 00:20:39,380
+يعنيالمساجر الحقيقي قد يعني حقق شهرة ولا دفع خلوة
+
+186
+00:20:39,380 --> 00:20:49,240
+سابقة للمالك ولم يبق له مدة للتعاقد ولم
+
+187
+00:20:49,240 --> 00:20:55,240
+يبق له مدة للتعاقد فبأي يعني مسوغ
+
+188
+00:20:57,020 --> 00:21:04,180
+سيأخذوا خلوًا من المستاجر بل بأي مسوغ قبل الخلو
+
+189
+00:21:04,180 --> 00:21:10,380
+بأي مسوغ يحق له أن يتصرف ابتداءً يعني هو إذا لم
+
+190
+00:21:10,380 --> 00:21:15,240
+يكن ثمة له أي من هذه الوجوه ليس له أن يتصرف
+
+191
+00:21:15,240 --> 00:21:21,420
+ابتداءً حتى لو لم يأخذ خلوًا ممنوعة أجر لغيرك أنت
+
+192
+00:21:21,420 --> 00:21:29,200
+اتهت مدتك وأخدتهاكاملة ودفعت قجرتك كاملة ولم يكن
+
+193
+00:21:29,200 --> 00:21:35,120
+لك خلوا ولم تحقق شعورة فانت بتنسحب و مع السلامة
+
+194
+00:21:35,120 --> 00:21:42,660
+بدون قيد ولا شرط لو انه قام بعملية مطالبة من
+
+195
+00:21:42,660 --> 00:21:47,750
+المستجر الآخر من ورا المالك في هذه الحالةفلا يجوز
+
+196
+00:21:47,750 --> 00:21:55,490
+له ويكون ما أخده حراما ويحق للمالك أن يبطل هذا
+
+197
+00:21:55,490 --> 00:22:02,990
+التعاقد ويطعن فيه لأنه ليس له من مبرر من قريب أو
+
+198
+00:22:02,990 --> 00:22:11,910
+من بعيد وحتى لو كان المستاجر يا أخوة له حق
+
+199
+00:22:11,910 --> 00:22:16,860
+الامتداد القانوني هذه التي لما تذكر لديكم ربمافلا
+
+200
+00:22:16,860 --> 00:22:22,320
+يحق له أيضا ليش؟
+
+201
+00:22:22,320 --> 00:22:28,640
+لأن إنما حق له أن يأخذ على الرأي الثاني هناك من
+
+202
+00:22:28,640 --> 00:22:34,660
+المالك، من المالك نفسه عندما كان له حق لامداده
+
+203
+00:22:34,660 --> 00:22:41,800
+القانوني، إذا هو بده يستمر ورفض
+
+204
+00:22:41,800 --> 00:22:49,200
+المؤجر وتراضع بعد ذلكعلى شيء فلا بأس لكن هو مابدوش
+
+205
+00:22:49,200 --> 00:22:57,660
+يستمر ويجروا لمستأجر آخرماذا يعني لم تجدي نفعا في
+
+206
+00:22:57,660 --> 00:23:02,940
+هذه الحالة القوانين ولم تعطيه أي مسوغ لأن يأخذ
+
+207
+00:23:02,940 --> 00:23:07,640
+بدلا فلذلك يا أخوة إذا لم يكن واحد من الأسباب
+
+208
+00:23:07,640 --> 00:23:14,180
+الثلاثة السابقة ولم يكن أيضا شرط منافي ففي هذه
+
+209
+00:23:14,180 --> 00:23:18,700
+الحالة يكون ممنوعا على المستاجر أن يأخذ من مستاجر
+
+210
+00:23:18,700 --> 00:23:24,690
+آخر احنا قلنا المستاجر ممكن يأخذ من المالكإذا وجد
+
+211
+00:23:24,690 --> 00:23:31,490
+امتداد قانوني على بعض الآراء، لكن هنا حتى يعني على
+
+212
+00:23:31,490 --> 00:23:39,530
+بعض الآراء ليس تمت من يقول بهذا على اعتبار أنه ليس
+
+213
+00:23:39,530 --> 00:23:43,130
+هو الذي يريد أن يستفيد بعد ذلك من الامتداد بل
+
+214
+00:23:43,130 --> 00:23:54,190
+إنسان غيرهوعليه أن يعيد في هذه الحالة العقار إلى
+
+215
+00:23:54,190 --> 00:24:01,430
+المالك خلاص لم يعد ثمة سبب بترجع العقار لصاحبه فقد
+
+216
+00:24:01,430 --> 00:24:10,510
+استوفيت مدتك ودفعت إيجاركانتهى الأمر ولم يطرأ أي
+
+217
+00:24:10,510 --> 00:24:22,330
+سبب يسويه لك أخذ الخلو من مستأجر آخر يا أخوه هذه
+
+218
+00:24:22,330 --> 00:24:28,390
+تقريبا مجمل الأحكام المتعلقة بالخلوات بقي علينا أن
+
+219
+00:24:28,390 --> 00:24:35,990
+نتلو عليكميعني ما قررته و هي حقيقة ما قرره مجمع
+
+220
+00:24:35,990 --> 00:24:40,190
+الفقه الإسلامي في قضية الخلوات و أكلوه لأهميته و
+
+221
+00:24:40,190 --> 00:24:45,150
+دقته و اختصاره فهو خلاصة ما سقناه يعني احنا فصلنا
+
+222
+00:24:45,150 --> 00:24:49,470
+الحالات الثلاثة مع بعض كل واحدة لحال لكن قرار مجمع
+
+223
+00:24:49,470 --> 00:24:54,270
+الفقه الإسلامي يجمع الحالات كلها في يعني أربع
+
+224
+00:24:54,270 --> 00:25:00,450
+أحكاميعني تشمل الأحكام المتعلقة باخد المالك من
+
+225
+00:25:00,450 --> 00:25:05,730
+المستاجر أو المستاجر من المالك أو المستاجر من
+
+226
+00:25:05,730 --> 00:25:08,410
+مستاجر آخر
+
+227
+00:25:10,240 --> 00:25:16,600
+مجمع الفقه الإسلامي في دورته الرابعة بجد و بعد
+
+228
+00:25:16,600 --> 00:25:21,260
+طبعا يا إخوة لتعلموا أن نتائج هذا المؤتمر أو ذاك
+
+229
+00:25:21,260 --> 00:25:28,180
+أو المجمع تكون بعد عرض علماء لأبحاث يعني خلاصة
+
+230
+00:25:28,180 --> 00:25:34,160
+أبحاث عديدة يقوم بها باحثون و متخصصون و علماء بعد
+
+231
+00:25:34,160 --> 00:25:40,250
+ذلك هذه الخلاصة يعني هي تكاد تكون إجماعأو على
+
+232
+00:25:40,250 --> 00:25:47,850
+الأقل رأي راجح ورأي منتخب ومختار من بين كل الآراء
+
+233
+00:25:47,850 --> 00:25:51,730
+أولا يجسم الصور، احنا الصور شوفناها، بس تقسيمها
+
+234
+00:25:51,730 --> 00:25:55,730
+ربما يعني أكتر وضوحا أن يكون الاتفاق بين مالك
+
+235
+00:25:55,730 --> 00:26:04,610
+العقار وبين المستأجر عند بدء العقدان يكون الاتفاق
+
+236
+00:26:04,610 --> 00:26:09,350
+بين مالك الاتفاق على أخذ الخلو اللي يقولناه الصورة
+
+237
+00:26:09,350 --> 00:26:15,090
+الأولى أن يأخذ المالك يعني الخلو من المستاجر،
+
+238
+00:26:15,090 --> 00:26:19,090
+اتنين، أن يكون الاتفاق بين المستاجر وبين المالك
+
+239
+00:26:20,020 --> 00:26:25,460
+يعني أن يأخذ المستاجر من المالك الخلوع أثناء ..
+
+240
+00:26:25,460 --> 00:26:31,440
+لحظة أثناء مدة العقار .. مدة الإيجار أسف أو بعد
+
+241
+00:26:31,440 --> 00:26:38,980
+انتهائها تلاتة أن يكون الاتفاق بين المستاجر وبين
+
+242
+00:26:38,980 --> 00:26:45,090
+مستاجر جديد برضه في أثناء مدة العقدأو بعدها أن
+
+243
+00:26:45,090 --> 00:26:49,690
+يكون الاتفاق بين المستاجر الجديد وبين كل من
+
+244
+00:26:49,690 --> 00:26:53,690
+المستاجر والمالك، هذه صورة جديدة، مش موفنهاشة،
+
+245
+00:26:53,690 --> 00:26:59,330
+يكون اتفاق ثلاثي بين المستاجر الأول والمستاجر
+
+246
+00:26:59,330 --> 00:27:04,580
+الثانيوالمالك هذا مش هيكون فيه مشكلة لأنه هتصير
+
+247
+00:27:04,580 --> 00:27:09,240
+الصورة واضحة وإن لم يكن ثمة إذن سابق بصير إذن لاحق
+
+248
+00:27:09,240 --> 00:27:13,400
+وممكن في هذه الحالة ما يتم التراضي عليه بتم الآن
+
+249
+00:27:13,400 --> 00:27:18,020
+شوفوا تفاصيل الحكم هذه الصورة تفاصيل الحكم في كل
+
+250
+00:27:18,020 --> 00:27:23,560
+صورة إذا اتفقنالمالك وستجدون أن كل ما يذكر لا
+
+251
+00:27:23,560 --> 00:27:29,080
+يختلف قيدة أنملة عن ما سبق بيانه في المحاضرات كلها
+
+252
+00:27:29,080 --> 00:27:33,900
+إذا اتفق المالك والمستاجر على أن يدفع المستاجر
+
+253
+00:27:33,900 --> 00:27:39,980
+للمالك مبلغا مقطوعاماذا يعني؟ إذا اتفق المالك
+
+254
+00:27:39,980 --> 00:27:43,220
+والمستاجر علينا أن ندفع المستاجر اللي هو إيه؟ مش
+
+255
+00:27:43,220 --> 00:27:48,380
+هو احنا نقول إن الصورة الأولى أن يأخذ المالك خلوًا
+
+256
+00:27:48,380 --> 00:27:54,260
+من المستاجر، الخلوة هذا مبلغ معين مقدم 4000، 5000،
+
+257
+00:27:54,260 --> 00:27:59,540
+كذا، المقدم الأول مقابل أن يؤجره مدة معينة محددة
+
+258
+00:27:59,540 --> 00:28:05,660
+أو غير محددةغير الأجرة، غير الأجرة، وبعد هيك
+
+259
+00:28:05,660 --> 00:28:09,100
+هيدفع، بس الأجرة اللي هيدفع بعد هيك هتكون مخفضة
+
+260
+00:28:09,100 --> 00:28:14,180
+بدل ما هي 100 دينار شهري في الوضع الطبيعي، حصل 20
+
+261
+00:28:14,180 --> 00:28:19,780
+ولا 30، بحسب الاتفاق، بحسب الاتفاق، احنا بنتكلم في
+
+262
+00:28:19,780 --> 00:28:24,840
+أجرة يعني، العقد عقد إيجار يا أخوةالأجرة أجرة، لكن
+
+263
+00:28:24,840 --> 00:28:30,560
+الآن الصورة غير الأجرة، المالك أخذ مبلغ، المالك
+
+264
+00:28:30,560 --> 00:28:35,700
+أخذ مبلغ مقدم، مش مضرور، ما بديش أقول عنه زيادة،
+
+265
+00:28:35,700 --> 00:28:39,080
+بدي أقوله لأنه غير الأجرة، لأن هو ممكن تكييفه يكون
+
+266
+00:28:39,080 --> 00:28:43,500
+جزء من الأجرة، ممكن إذا حقيقة الأمر قد يكون جزء من
+
+267
+00:28:43,500 --> 00:28:48,160
+الأجرة أو يكون شراء منفع، احنا كيفنا تكييفين أحد
+
+268
+00:28:48,500 --> 00:28:54,580
+تكيفين، وفي كلتل حالتين أجازنا للمالك ذلك لأنه
+
+269
+00:28:54,580 --> 00:28:59,060
+ابتدا مالك للعقار
+
+270
+00:29:00,270 --> 00:29:04,530
+إذا اتفق المالك والمستاجر على أن يدفع المستاجر
+
+271
+00:29:04,530 --> 00:29:08,550
+للمالك مبلغا مقطوعا زائدا عن الأجرة الدورية، يعني
+
+272
+00:29:08,550 --> 00:29:13,090
+زائدا غير يعني، مش زيادا المقصود، غير، وهو ما يسمى
+
+273
+00:29:13,090 --> 00:29:19,710
+بالخلوة، فلا مانع، لا مانع، لحظة ولم يذكر الأسباب،
+
+274
+00:29:19,710 --> 00:29:30,470
+يفصلهالأنه هو مالك ومن حقه بمقتضى ملكيته أن يأخذ
+
+275
+00:29:30,470 --> 00:29:35,570
+بدلا عن عقاره بالصورة التي يريد، ما لم يكن مخالفا
+
+276
+00:29:35,570 --> 00:29:39,170
+للوجه الشرعي، فلا مانع شرع من دفع هذا المبلغ
+
+277
+00:29:39,170 --> 00:29:45,430
+المكتوب على أن يعد، أنا حط شرط طبعا على رأي بعض
+
+278
+00:29:45,430 --> 00:29:50,180
+العلماءعشان يبعد عن البيع ومشاكله، بيع المنفعة،
+
+279
+00:29:50,180 --> 00:29:54,440
+جالك على أن يعاد جزءا من أجرة المدة المتفق عليها،
+
+280
+00:29:54,440 --> 00:29:58,960
+تكييفه، حسب مجمع الفقه الإسلامي، تكييف هذا المبلغ،
+
+281
+00:29:58,960 --> 00:30:06,600
+إن جزء مقدم من الأجرةبحيث لو وزعناه على السنين
+
+282
+00:30:06,600 --> 00:30:14,900
+كلها مع ما يدفع شهريا يساوي أجرة المثل وفي حالة
+
+283
+00:30:14,900 --> 00:30:20,560
+الفسخ تطبق على هذا المبلغ أحكام الأجرة يعني أنا لو
+
+284
+00:30:20,560 --> 00:30:25,380
+دافع لسنة و بعد أربعة أشهر أو خمس أشهر بدي أطلعمش
+
+285
+00:30:25,380 --> 00:30:30,340
+من حقي ان اخذ بقية ال .. و هكذا كأنه بالظبط زيك
+
+286
+00:30:30,340 --> 00:30:35,220
+مدام هذا جزء من الأجراء انا بعد سنتين تلاتة ممكن
+
+287
+00:30:35,220 --> 00:30:45,090
+استرد ما تبقى من هذا المبلغ بعد حسبة بسيطةبغض
+
+288
+00:30:45,090 --> 00:30:49,990
+النظر المهم أنه يجوز للمالك أن يأخذ فإذا تم
+
+289
+00:30:49,990 --> 00:30:52,810
+الاتفاق بين المالك و بين المستاجر أثناء مدة
+
+290
+00:30:52,810 --> 00:30:58,730
+الإيجار على أن يدفع المالك للمستاجر مبلغا مقابل
+
+291
+00:30:58,730 --> 00:31:03,690
+تخليه عن حق إيه ثابت بالعقد في ملك منفعة منفعة
+
+292
+00:31:03,690 --> 00:31:08,150
+بقية المدة بصوا هدى احنا قلناها مدام أنت إلك بقية
+
+293
+00:31:08,150 --> 00:31:14,250
+مدة أو دافع جابل هيكخلوه أنت أيها المستاجر فلك
+
+294
+00:31:14,250 --> 00:31:19,310
+الحق بالاتفاق مع المالك أن تأخذ ويكون ما أخذ
+
+295
+00:31:19,310 --> 00:31:22,250
+جائزا، احنا بيهمنا هذا المال اللي بياخد المستاجر
+
+296
+00:31:22,250 --> 00:31:26,210
+مثابة خلوه حلال ولا حرام، جائز ولا غير جائز،
+
+297
+00:31:26,210 --> 00:31:31,870
+بيقولوله جائز مادام قد دفع سبق له أن دفع خلوه أوقد
+
+298
+00:31:31,870 --> 00:31:37,130
+بقيت له مدة، بدل ان فيه مسور فإن بدل الخلق هنا
+
+299
+00:31:37,130 --> 00:31:42,790
+جاهز، ليش؟ لأنه تعويض عن تنازل المستاجر برضاه عن
+
+300
+00:31:42,790 --> 00:31:48,050
+حقه في المنفعة التي باعها للمالك أما إذا قبضت
+
+301
+00:31:48,050 --> 00:31:56,110
+المدة ولم يتجدد العقد، لا صراحة ولا ظن، فلا يحل
+
+302
+00:31:56,110 --> 00:32:01,560
+بدل الخلقلم يتجرد .. انتهت مُدتك و مش دافعك بليك
+
+303
+00:32:01,560 --> 00:32:06,740
+خلوق لأن المالك أحق بملكه بعد انقضاء حق المستاجر
+
+304
+00:32:06,740 --> 00:32:12,960
+كل هذا وضحناه، الآن إذا تم الاتفاق بين المستاجر
+
+305
+00:32:12,960 --> 00:32:19,640
+الأول والمستاجر الجديد أثناء مدة الإيجارةعلى
+
+306
+00:32:19,640 --> 00:32:26,220
+التنازل عن بقية مدة العقد، إذا تم الاتفاق بين
+
+307
+00:32:26,220 --> 00:32:30,800
+المستاجر الأول والمستاجر الجديد أثناء مدة الإيجارة
+
+308
+00:32:30,800 --> 00:32:35,780
+على التنازل عن بقية مدة العقد لقاء مبلغ زائد عن
+
+309
+00:32:35,780 --> 00:32:39,740
+الأجرة الدورية، الآن أنا نازلت، أنا متعاقد مع
+
+310
+00:32:39,740 --> 00:32:45,810
+المالكلمدة عشر سنين ولم أقض منها إلا خمسة أنا
+
+311
+00:32:45,810 --> 00:32:49,950
+لازلت أملك حق الانتفاع لمدة خمس سنوات أخرى هل من
+
+312
+00:32:49,950 --> 00:32:55,790
+حقي أن أجرها لشخص آخر و أاخد بدل الخلوة لخمس سنين
+
+313
+00:32:55,790 --> 00:33:01,010
+ثانية؟ قال لك هي هذه الصورة .. هذه هي الصورة قال
+
+314
+00:33:01,010 --> 00:33:06,370
+فإن بدل الخلوة هذا جائز شرعانمع ايش؟ وهذا اللي
+
+315
+00:33:06,370 --> 00:33:12,450
+بدأته بيه انا مع مراعاة مقتضة عقد الإجارة مقتضة
+
+316
+00:33:12,450 --> 00:33:18,090
+الشروط اللي ايه؟ اللي تضمنها عقد الإجارة إذا عقد
+
+317
+00:33:18,090 --> 00:33:22,710
+الإجارة بيمنعك ممنوع إذا عقد الإجارة بقيدك بدك
+
+318
+00:33:22,710 --> 00:33:27,010
+تتقيد بما قيدت به بطبيعة العمل بطبيعة الشخص
+
+319
+00:33:27,010 --> 00:33:31,970
+المستاجر اللي بدك تجيبه بإذني بمجرد .. يمكن يكون
+
+320
+00:33:31,970 --> 00:33:38,300
+العقد بس كلمنيحتى لو كنت أنا في بلد برا، لا يجوز
+
+321
+00:33:38,300 --> 00:33:44,120
+لك إلا بعد أن تأذن .. أن أذن لك، أنت مخوّن لكن ب
+
+322
+00:33:44,120 --> 00:33:49,700
+.. بقيد معين، بقيد الإذن، بقيد أن لا تؤجر إلا لشخص
+
+323
+00:33:49,700 --> 00:33:55,660
+في من نوع المهنة تبعتك، بقيد كده وهكدهإذن مع
+
+324
+00:33:55,660 --> 00:33:58,140
+مراعات مقتضع عقل الإيجار المبرم بين المالك
+
+325
+00:33:58,140 --> 00:34:03,620
+والمستشرف الأول ومراعات ما تقضي به القوانين
+
+326
+00:34:03,620 --> 00:34:08,600
+النافذة الموافقة للأحكام الشرعية طبعا ومع مراعات
+
+327
+00:34:08,600 --> 00:34:15,040
+الحكم الشرعي برضه في شرع بظل يعني برضه الشرط يا
+
+328
+00:34:15,040 --> 00:34:22,360
+أخوة كل شرط يعني مخالف للشريعة برضه باطلالمسلمون
+
+329
+00:34:22,360 --> 00:34:27,800
+عنده شروط ايه صحيح الا شرطا احلى حراما او حرم
+
+330
+00:34:27,800 --> 00:34:35,240
+حلالا اه يعني احنا اذا كان .. يعني بنرأي الأمرين،
+
+331
+00:34:35,240 --> 00:34:40,760
+بنرأي الشروط وفي اطار الشريعة وفي اطار ما اجاز
+
+332
+00:34:40,760 --> 00:34:47,590
+الله ورسوله صلى الله عليه وسلمطبعا لاحظوا في
+
+333
+00:34:47,590 --> 00:34:51,930
+الإيجارات الطويلة طويلة المدة خلافا لنصعق للإيجار
+
+334
+00:34:51,930 --> 00:34:55,410
+طبقا لما تسويقه بعض القوانين لا يجوز للمستاجر
+
+335
+00:34:55,410 --> 00:35:00,230
+إيجار العين لمستاجر آخر ولا أخذ الخلو فيها إلا
+
+336
+00:35:00,230 --> 00:35:06,090
+بموافقة المالك هذا بعض يعني القيود التي تذكرها إذا
+
+337
+00:35:06,090 --> 00:35:11,220
+تم الاتفاق آخر نقطةبين المستاجر الأول والمستاجر
+
+338
+00:35:11,220 --> 00:35:16,700
+الجديد بعد انقضاء المدة فلا يحلوا بدل الخلوة
+
+339
+00:35:16,700 --> 00:35:20,760
+لانقضاء حق المستاجر الأول في منفعة العلم يعني يمكن
+
+340
+00:35:20,760 --> 00:35:25,200
+هذه ذكرناها قبل ذلك حقيقة يا أخوة هذه أهم النقاط
+
+341
+00:35:25,200 --> 00:35:30,300
+المتعلقة أو بمسألة الخلوة المرة القادمة ان شاء
+
+342
+00:35:30,300 --> 00:35:35,040
+الله نتحدث عن التأمين حقيقته
+
+343
+00:35:36,860 --> 00:35:39,840
+وأنواعه و الأحكام
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/slQXyOuF47k_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/slQXyOuF47k_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..80ca89b229a40bae3eab7f15f4a1a44c9099168b
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/slQXyOuF47k_raw.json
@@ -0,0 +1 @@
+{"segments": [{"id": 1, "seek": 3222, "start": 21.27, "end": 32.23, "text": "الحمد لله رب العالمين والصلاة والسلام على أشرف المرسلين محمد صلى الله عليه وسلم وعلى آله وصحبه ومن احتدى بهديه واستنى بصناته إلى يوم الدين", "tokens": [6027, 35571, 3215, 24976, 3224, 12602, 3555, 18863, 45340, 9957, 16070, 9381, 15040, 3660, 16070, 3794, 37440, 15844, 5551, 8592, 28480, 9673, 2288, 3794, 1211, 9957, 3714, 35571, 3215, 20328, 23942, 21984, 47356, 46952, 19528, 4032, 3615, 23942, 19753, 43761, 4032, 9381, 5016, 3555, 3224, 4032, 27842, 1975, 33753, 3215, 7578, 39627, 16254, 3224, 4032, 32277, 2655, 1863, 7578, 4724, 9381, 8315, 47395, 30731, 7251, 20498, 32748, 9957], "avg_logprob": -0.12635869133299676, "compression_ratio": 1.7622377622377623, "no_speech_prob": 4.8160552978515625e-05, "words": [{"start": 21.27, "end": 22.07, "word": "الحمد", "probability": 0.9095052083333334}, {"start": 22.07, "end": 22.35, "word": " لله", "probability": 0.953369140625}, {"start": 22.35, "end": 22.57, "word": 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عن المضاربة بشكل عام المضاربة العادية أو التي سميت بعد ذلك بالفردية أو الثنائية أو العادية تحدثنا عن تعريفها عن حكمها و أدلة مشروعيتها عن أنواعها عن شروطها", "tokens": [1211, 31377, 6027, 21542, 16254, 12984, 44650, 2407, 33546, 1211, 18871, 9673, 11242, 9640, 49401, 9673, 8592, 2655, 31747, 3660, 9122, 8315, 8978, 3714, 5016, 46958, 43500, 9957, 34051, 15844, 3714, 3215, 9640, 3714, 5016, 46958, 43500, 9957, 8608, 16758, 38149, 9957, 6055, 24401, 12984, 8315, 18871, 9673, 11242, 9640, 49401, 4724, 8592, 28820, 6225, 10943, 9673, 11242, 9640, 49401, 18863, 18513, 10632, 34051, 38392, 8608, 2304, 36081, 39182, 29910, 23275, 20666, 5172, 2288, 3215, 10632, 34051, 6024, 104, 1863, 16373, 10632, 34051, 18863, 18513, 10632, 6055, 24401, 12984, 8315, 18871, 37279, 16572, 5172, 11296, 18871, 11331, 24793, 11296, 4032, 5551, 3215, 37977, 37893, 32887, 3615, 36081, 11296, 18871, 14739, 14407, 3615, 11296, 18871, 13412, 32887, 9566, 11296], "avg_logprob": -0.055540964570866914, 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على أصحاب المداخلات باعتباره مضاربا", "tokens": [1211, 1211, 5016, 16254, 12984, 18871, 9673, 11242, 9640, 49401, 9673, 8592, 2655, 31747, 3660, 9122, 8848, 23275, 21542, 6027, 6225, 28480, 8315, 9673, 11242, 9640, 49401, 9673, 8592, 2655, 31747, 3660, 4032, 3615, 28480, 8315, 14739, 9673, 11242, 9640, 49401, 9673, 8592, 2655, 31747, 3660, 39896, 6225, 3555, 9640, 3660, 18871, 12174, 1829, 10943, 9673, 9381, 28480, 45030, 43042, 8717, 36178, 3224, 15844, 5551, 9381, 5016, 16758, 9673, 3215, 47283, 1211, 9307, 4724, 995, 34268, 3555, 9640, 3224, 3714, 11242, 9640, 3555, 995], "avg_logprob": -0.06351103011299582, "compression_ratio": 2.099290780141844, "no_speech_prob": 2.086162567138672e-06, "words": [{"start": 83.8, "end": 84.64, "word": "للحديث", "probability": 0.940625}, {"start": 84.64, "end": 84.92, "word": " عن", "probability": 0.9931640625}, {"start": 84.92, "end": 85.6, "word": " المضاربة", "probability": 0.9810791015625}, {"start": 85.6, "end": 86.44, "word": " المشتركة", 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{"start": 96.72, "end": 97.04, "word": " قيام", "probability": 0.9734700520833334}, {"start": 97.04, "end": 97.52, "word": " المصرف", "probability": 0.98291015625}, {"start": 97.52, "end": 97.98, "word": " بعرض", "probability": 0.8876953125}, {"start": 97.98, "end": 98.64, "word": " نفسه", "probability": 0.9973958333333334}, {"start": 98.64, "end": 99.32, "word": " على", "probability": 0.86962890625}, {"start": 99.32, "end": 99.84, "word": " أصحاب", "probability": 0.988525390625}, {"start": 99.84, "end": 100.78, "word": " المداخلات", "probability": 0.88193359375}, {"start": 100.78, "end": 101.58, "word": " باعتباره", "probability": 0.8936360677083334}, {"start": 101.58, "end": 102.28, "word": " مضاربا", "probability": 0.936328125}], "temperature": 1.0}, {"id": 5, "seek": 11766, "start": 102.82, "end": 117.66, "text": "ثم يعرض نفسه مرة أخرى على أصحاب المشاريع باعتباره .. باعتباره صاحب مال على أن يتم تقسيم الأرباح بعد ذلك النتج عن تلك المشاريع على ثلاثة أطراف", "tokens": [12984, 2304, 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5172, 2288, 3215, 36764, 24401, 20193, 6055, 2655, 2407, 6027, 7578, 8978, 3224, 32748, 5172, 3615, 9307, 49429, 7251, 46456, 1211, 9566, 8978, 3224, 5551, 9381, 5016, 16758, 16247, 2304, 2407, 6027, 16070, 8592, 31747, 16606], "avg_logprob": -0.07617187611758709, "compression_ratio": 2.0481927710843375, "no_speech_prob": 4.589557647705078e-06, "words": [{"start": 331.29, "end": 332.31, "word": "للأموال", "probability": 0.8994140625}, {"start": 332.31, "end": 332.85, "word": " والخلط", "probability": 0.853759765625}, {"start": 332.85, "end": 333.65, "word": " المتتالي", "probability": 0.97783203125}, {"start": 333.65, "end": 333.87, "word": " أو", "probability": 0.6943359375}, {"start": 333.87, "end": 334.75, "word": " المتلاحق", "probability": 0.9712890625}, {"start": 334.75, "end": 335.73, "word": " للأموال", "probability": 0.90419921875}, {"start": 335.73, "end": 336.35, "word": " بينما", "probability": 0.897216796875}, {"start": 336.35, "end": 336.83, "word": " المضاربة", "probability": 0.9822998046875}, {"start": 336.83, "end": 337.35, "word": " العادية", "probability": 0.9889322916666666}, {"start": 337.35, "end": 337.67, "word": " ليس", "probability": 0.9228515625}, {"start": 337.67, "end": 337.95, "word": " فيها", "probability": 0.986328125}, {"start": 337.95, "end": 338.41, "word": " خلط", "probability": 0.98779296875}, {"start": 338.41, "end": 339.23, "word": " وليس", "probability": 0.96435546875}, {"start": 339.23, "end": 339.55, "word": " فيها", "probability": 0.982177734375}, {"start": 339.55, "end": 340.27, "word": " تتالي", "probability": 0.989990234375}, {"start": 340.27, "end": 340.95, "word": " وتوالي", "probability": 0.864013671875}, {"start": 340.95, "end": 342.25, "word": " وتلاحق", "probability": 0.8642578125}, {"start": 342.25, "end": 342.83, "word": " هو", "probability": 0.818359375}, {"start": 342.83, "end": 343.51, "word": " مال", "probability": 0.980224609375}, {"start": 343.51, "end": 344.37, "word": " لفرد", "probability": 0.9835205078125}, {"start": 344.37, "end": 344.95, "word": " واحد", "probability": 0.9931640625}, {"start": 344.95, "end": 346.53, "word": " لا", "probability": 0.57080078125}, {"start": 346.53, "end": 347.85, "word": " تتوالى", "probability": 0.898046875}, {"start": 347.85, "end": 348.07, "word": " فيه", "probability": 0.988037109375}, {"start": 348.07, "end": 348.71, "word": " الدفعات", "probability": 0.9405517578125}, {"start": 348.71, "end": 349.07, "word": " ولا", "probability": 0.91650390625}, {"start": 349.07, "end": 349.81, "word": " يختلط", "probability": 0.892822265625}, {"start": 349.81, "end": 351.55, "word": " فيه", "probability": 0.98974609375}, {"start": 351.55, "end": 352.77, "word": " أصحاب", "probability": 0.9874267578125}, {"start": 352.77, "end": 353.23, "word": " الأموال", "probability": 0.9661865234375}, {"start": 353.23, "end": 354.69, "word": " والشركاء", "probability": 0.9183349609375}], "temperature": 1.0}, {"id": 18, "seek": 38322, "start": 355.42, "end": 383.22, "text": "فلذلك يعني احنا ممكن نضيف اسم اخر لاسماء المضاربة العادية المضاربة البسيطة وهذه مضاربة يعني ممكن نسميها مركبة او معقدة اضافة الى كونها مشتركة لان المسألة في مسألة الإجراءات ومن ثم احتساب الأرباح تحتاجوا الى مزيد من الحسابات و الى دقة اكثر و الى تعقيدات اكثر", "tokens": [5172, 1211, 8848, 23275, 37495, 22653, 1975, 5016, 8315, 3714, 43020, 8717, 11242, 33911, 24525, 2304, 1975, 34740, 5296, 32277, 2304, 16606, 9673, 11242, 9640, 49401, 18863, 18513, 10632, 9673, 11242, 9640, 49401, 29739, 3794, 1829, 9566, 3660, 37037, 24192, 3714, 11242, 9640, 49401, 37495, 22653, 3714, 43020, 8717, 38251, 1829, 11296, 3714, 31747, 49401, 1975, 2407, 20449, 28543, 3660, 1975, 11242, 31845, 3660, 2423, 7578, 9122, 11536, 11296, 37893, 2655, 31747, 3660, 5296, 7649, 9673, 3794, 10721, 37977, 8978, 47524, 10721, 37977, 33688, 7435, 2288, 16606, 9307, 4032, 27842, 38637, 2304, 1975, 33753, 3794, 16758, 16247, 25513, 39319, 6055, 33753, 26108, 14407, 2423, 7578, 3714, 11622, 25708, 9154, 21542, 3794, 16758, 9307, 4032, 2423, 7578, 11778, 28671, 1975, 4117, 49115, 4032, 2423, 7578, 37279, 4587, 25708, 9307, 1975, 4117, 49115], "avg_logprob": -0.0984256619756872, "compression_ratio": 2.066079295154185, "no_speech_prob": 4.76837158203125e-07, "words": [{"start": 355.42, "end": 356.0, "word": "فلذلك", "probability": 0.97705078125}, {"start": 356.0, "end": 356.32, "word": " يعني", "probability": 0.754150390625}, {"start": 356.32, "end": 356.78, "word": " احنا", "probability": 0.9259440104166666}, {"start": 356.78, "end": 357.02, "word": " ممكن", "probability": 0.984619140625}, {"start": 357.02, "end": 357.32, "word": " نضيف", "probability": 0.9724934895833334}, {"start": 357.32, "end": 357.66, "word": " اسم", "probability": 0.953857421875}, {"start": 357.66, "end": 358.16, "word": " اخر", "probability": 0.80078125}, {"start": 358.16, "end": 358.84, "word": " لاسماء", "probability": 0.8763427734375}, {"start": 358.84, "end": 359.26, "word": " المضاربة", "probability": 0.9814453125}, {"start": 359.26, "end": 359.7, "word": " العادية", "probability": 0.9830729166666666}, {"start": 359.7, "end": 360.24, "word": " المضاربة", "probability": 0.9327392578125}, {"start": 360.24, "end": 360.84, "word": " البسيطة", "probability": 0.987890625}, {"start": 360.84, "end": 361.64, "word": " وهذه", "probability": 0.7978515625}, {"start": 361.64, "end": 362.3, "word": " مضاربة", "probability": 0.988525390625}, {"start": 362.3, "end": 363.16, "word": " يعني", "probability": 0.922119140625}, {"start": 363.16, "end": 363.42, "word": " ممكن", "probability": 0.99267578125}, {"start": 363.42, "end": 363.96, "word": " نسميها", "probability": 0.99267578125}, {"start": 363.96, "end": 364.64, "word": " مركبة", "probability": 0.797119140625}, {"start": 364.64, "end": 365.14, "word": " او", "probability": 0.889892578125}, {"start": 365.14, "end": 365.8, "word": " معقدة", "probability": 0.9768880208333334}, {"start": 365.8, "end": 366.6, "word": " اضافة", "probability": 0.931884765625}, {"start": 366.6, "end": 366.84, "word": " الى", "probability": 0.6944580078125}, {"start": 366.84, "end": 367.16, "word": " كونها", "probability": 0.9918619791666666}, {"start": 367.16, "end": 367.9, "word": " مشتركة", "probability": 0.9625244140625}, {"start": 367.9, "end": 368.52, "word": " لان", "probability": 0.751708984375}, {"start": 368.52, "end": 369.7, "word": " المسألة", "probability": 0.916015625}, {"start": 369.7, "end": 370.08, "word": " في", "probability": 0.8994140625}, {"start": 370.08, "end": 370.72, "word": " مسألة", "probability": 0.98779296875}, {"start": 370.72, "end": 372.6, "word": " الإجراءات", "probability": 0.89140625}, {"start": 372.6, "end": 372.84, "word": " ومن", "probability": 0.926513671875}, {"start": 372.84, "end": 373.06, "word": " ثم", "probability": 0.99609375}, {"start": 373.06, "end": 373.52, "word": " احتساب", "probability": 0.934326171875}, {"start": 373.52, "end": 374.02, "word": " الأرباح", "probability": 0.8779296875}, {"start": 374.02, "end": 374.66, "word": " تحتاجوا", "probability": 0.9569091796875}, {"start": 374.66, "end": 375.06, "word": " الى", "probability": 0.90576171875}, {"start": 375.06, "end": 376.72, "word": " مزيد", "probability": 0.8172200520833334}, {"start": 376.72, "end": 376.88, "word": " من", "probability": 0.99072265625}, {"start": 376.88, "end": 377.68, "word": " الحسابات", "probability": 0.9951171875}, {"start": 377.68, "end": 377.92, "word": " و", "probability": 0.97265625}, {"start": 377.92, "end": 378.68, "word": " الى", "probability": 0.72265625}, {"start": 378.68, "end": 380.2, "word": " دقة", "probability": 0.908935546875}, {"start": 380.2, "end": 380.8, "word": " اكثر", "probability": 0.8585611979166666}, {"start": 380.8, "end": 381.06, "word": " و", "probability": 0.9794921875}, {"start": 381.06, "end": 381.9, "word": " الى", "probability": 0.842529296875}, {"start": 381.9, "end": 382.88, "word": " تعقيدات", "probability": 0.9166259765625}, {"start": 382.88, "end": 383.22, "word": " اكثر", "probability": 0.8142903645833334}], "temperature": 1.0}, {"id": 19, "seek": 39404, "start": 384.8, "end": 394.04, "text": "وجدنا أن المضاربة المشتركة تقوم على الاستمرارية ولا تتوقف بانسحاب أحد أو بعض الأطراف", "tokens": [29245, 3215, 8315, 14739, 9673, 11242, 9640, 49401, 9673, 8592, 2655, 31747, 3660, 6055, 4587, 20498, 15844, 42963, 14851, 29973, 9640, 10632, 49429, 6055, 2655, 30543, 5172, 4724, 7649, 3794, 5016, 16758, 5551, 24401, 34051, 45030, 11242, 16247, 9566, 23557, 5172], "avg_logprob": -0.0982142866012596, "compression_ratio": 1.4090909090909092, "no_speech_prob": 5.960464477539063e-08, "words": [{"start": 384.8, "end": 385.32, "word": "وجدنا", "probability": 0.8502604166666666}, {"start": 385.32, "end": 385.54, "word": " أن", "probability": 0.5478515625}, {"start": 385.54, "end": 386.76, "word": " المضاربة", "probability": 0.9794921875}, {"start": 386.76, "end": 387.74, "word": " المشتركة", "probability": 0.99111328125}, {"start": 387.74, "end": 388.34, "word": " تقوم", "probability": 0.98828125}, {"start": 388.34, "end": 388.54, "word": " على", "probability": 0.88671875}, {"start": 388.54, "end": 389.52, "word": " الاستمرارية", "probability": 0.9009765625}, {"start": 389.52, "end": 390.2, "word": " ولا", "probability": 0.71630859375}, {"start": 390.2, "end": 391.84, "word": " تتوقف", "probability": 0.988525390625}, {"start": 391.84, "end": 392.4, "word": " بانسحاب", "probability": 0.8947265625}, {"start": 392.4, "end": 392.82, "word": " أحد", "probability": 0.81005859375}, {"start": 392.82, "end": 393.18, "word": " أو", "probability": 0.91552734375}, {"start": 393.18, "end": 393.46, "word": " بعض", "probability": 0.9267578125}, {"start": 393.46, "end": 394.04, "word": " الأطراف", "probability": 0.94970703125}], "temperature": 1.0}, {"id": 20, "seek": 42428, "start": 394.6, "end": 424.28, "text": "فيها أولا تتوقف بتوقف مشروع هنا أو مشروع هنا بينما المضاربة العادية تنتهي بتوقف المشروع بتوقف .. بانتهاء الصفقة مباشرة لكن هناك الأمر مختلف الهادي قائم على الاستمرار من ينسحب فلينسحب يعني كأنها يعني دعنا نقول جماعة أو تنظيم أو حركة وطنية مستمرة هناك و هناك متساقط على الطريق", "tokens": [41185, 11296, 5551, 12610, 995, 6055, 2655, 30543, 5172, 39894, 30543, 5172, 37893, 32887, 3615, 34105, 34051, 37893, 32887, 3615, 34105, 49374, 15042, 9673, 11242, 9640, 49401, 18863, 18513, 10632, 6055, 29399, 3224, 1829, 39894, 30543, 5172, 9673, 8592, 32887, 3615, 39894, 30543, 5172, 4386, 4724, 7649, 47395, 16606, 31767, 5172, 28671, 3714, 3555, 33599, 25720, 44381, 34105, 4117, 16247, 29973, 3714, 46456, 46538, 2423, 11296, 16254, 12174, 16373, 2304, 15844, 42963, 14851, 29973, 9640, 9154, 7251, 1863, 3794, 5016, 3555, 6156, 20292, 1863, 3794, 5016, 3555, 37495, 22653, 9122, 33456, 11296, 37495, 22653, 11778, 3615, 8315, 8717, 39648, 10874, 15042, 27884, 34051, 6055, 1863, 19913, 32640, 34051, 11331, 31747, 3660, 4032, 9566, 1863, 10632, 3714, 14851, 29973, 3660, 34105, 4117, 4032, 34105, 4117, 44650, 3794, 995, 47432, 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"word": " الأمر", "probability": 0.8369140625}, {"start": 407.16, "end": 407.68, "word": " مختلف", "probability": 0.9943033854166666}, {"start": 407.68, "end": 408.26, "word": " الهادي", "probability": 0.653076171875}, {"start": 408.26, "end": 408.68, "word": " قائم", "probability": 0.9635416666666666}, {"start": 408.68, "end": 408.82, "word": " على", "probability": 0.91162109375}, {"start": 408.82, "end": 409.42, "word": " الاستمرار", "probability": 0.8778076171875}, {"start": 409.42, "end": 410.02, "word": " من", "probability": 0.65185546875}, {"start": 410.02, "end": 410.6, "word": " ينسحب", "probability": 0.96845703125}, {"start": 410.6, "end": 411.7, "word": " فلينسحب", "probability": 0.9085286458333334}, {"start": 411.7, "end": 412.64, "word": " يعني", "probability": 0.820556640625}, {"start": 412.64, "end": 413.6, "word": " كأنها", "probability": 0.9625651041666666}, {"start": 413.6, "end": 414.36, "word": " يعني", "probability": 0.879150390625}, {"start": 414.36, "end": 414.74, 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مشكلة قد يقال ان انا ليس انا ظلم انا فلوسي حقيقة ربحت ليش لو خسر برضه هياخد أمواله؟ لأنهم ضمن شروطهم ضمان رأس المال ماتستعجلوش على رأس المال المهم على فرضية الربح على الأقل هو هياخد بدون ربح", "tokens": [3224, 8315, 37893, 28820, 3660, 12174, 3215, 7251, 4587, 6027, 16472, 1975, 8315, 32239, 3794, 1975, 8315, 1357, 116, 19528, 1975, 8315, 6156, 1211, 41779, 1829, 11331, 38436, 28671, 12602, 49628, 2655, 32239, 8592, 45164, 16490, 3794, 2288, 4724, 43042, 3224, 39896, 47283, 3215, 5551, 2304, 2407, 6027, 3224, 22807, 5296, 33456, 16095, 48812, 27842, 13412, 32887, 9566, 16095, 48812, 2304, 7649, 12602, 10721, 3794, 9673, 6027, 3714, 9307, 14851, 3615, 7435, 1211, 2407, 8592, 15844, 12602, 10721, 3794, 9673, 6027, 9673, 16095, 15844, 6156, 43042, 10632, 34892, 49628, 15844, 16247, 4587, 1211, 31439, 39896, 47283, 3215, 47525, 11536, 12602, 49628], "avg_logprob": -0.23437499839301204, "compression_ratio": 1.8918918918918919, "no_speech_prob": 2.980232238769531e-07, "words": [{"start": 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0.896484375}, {"start": 2382.86, "end": 2383.38, "word": " واخد", "probability": 0.6865234375}, {"start": 2383.38, "end": 2383.56, "word": " بس", "probability": 0.978515625}, {"start": 2383.56, "end": 2383.94, "word": " خمسين", "probability": 0.9903564453125}, {"start": 2383.94, "end": 2384.32, "word": " ألف", "probability": 0.9248046875}, {"start": 2384.32, "end": 2385.02, "word": " بيصير", "probability": 0.8243408203125}, {"start": 2385.02, "end": 2385.32, "word": " فيه", "probability": 0.8291015625}, {"start": 2385.32, "end": 2385.5, "word": " هنا", "probability": 0.279296875}, {"start": 2385.5, "end": 2385.9, "word": " حرمة", "probability": 0.8829752604166666}], "temperature": 1.0}, {"id": 105, "seek": 241361, "start": 2387.05, "end": 2413.61, "text": "انت الخمسين ألف اخصم عليها الربح ماشي مالوش ربح لكن الخمسين ألف ثانية يعني من العدل ان يحتسب عليها او لها الربح من اليوم الأول من أول السنة حتى نهاية السنة المالية ولو ان انت يعني حرمته من ذلك وبدأتله فهذا بيكون في نقمن الظلم وينبغي مراعاته و .. نعم؟ كتاب كهربا؟ لأ", "tokens": [7649, 2655, 33962, 2304, 3794, 9957, 5551, 46538, 1975, 9778, 9381, 2304, 25894, 11296, 34892, 49628, 3714, 33599, 1829, 3714, 6027, 2407, 8592, 12602, 49628, 44381, 33962, 2304, 3794, 9957, 5551, 46538, 38637, 7649, 10632, 37495, 22653, 9154, 18863, 3215, 1211, 16472, 7251, 33753, 35457, 25894, 11296, 1975, 2407, 5296, 11296, 34892, 49628, 9154, 45595, 20498, 16247, 12610, 9154, 5551, 12610, 21136, 1863, 3660, 11331, 49975, 8717, 11296, 10632, 21136, 1863, 3660, 9673, 6027, 10632, 35525, 2407, 16472, 16472, 2655, 37495, 22653, 11331, 2288, 2304, 47395, 9154, 29910, 23275, 4032, 44510, 10721, 2655, 43761, 6156, 3224, 15730, 4724, 1829, 30544, 8978, 8717, 4587, 27842, 6024, 116, 19528, 4032, 9957, 3555, 17082, 1829, 3714, 23557, 3615, 9307, 3224, 4032, 4386, 8717, 25957, 22807, 9122, 2655, 16758, 9122, 3224, 25513, 995, 22807, 5296, 10721], "avg_logprob": -0.18738251386728502, "compression_ratio": 2.0084388185654007, "no_speech_prob": 3.2186508178710938e-06, "words": [{"start": 2387.05, "end": 2387.39, "word": "انت", "probability": 0.8603515625}, {"start": 2387.39, "end": 2387.89, "word": " الخمسين", "probability": 0.800323486328125}, {"start": 2387.89, "end": 2388.25, "word": " ألف", "probability": 0.7236328125}, {"start": 2388.25, "end": 2389.79, "word": " اخصم", "probability": 0.8955078125}, {"start": 2389.79, "end": 2390.05, "word": " عليها", "probability": 0.994873046875}, {"start": 2390.05, "end": 2390.37, "word": " الربح", "probability": 0.84228515625}, {"start": 2390.37, "end": 2390.79, "word": " ماشي", "probability": 0.8751627604166666}, {"start": 2390.79, "end": 2391.05, "word": " مالوش", "probability": 0.85986328125}, {"start": 2391.05, "end": 2391.37, "word": " ربح", "probability": 0.990966796875}, {"start": 2391.37, "end": 2392.09, "word": " لكن", "probability": 0.70263671875}, {"start": 2392.09, "end": 2392.57, "word": " الخمسين", "probability": 0.9498291015625}, {"start": 2392.57, "end": 2392.87, "word": " ألف", "probability": 0.895263671875}, {"start": 2392.87, "end": 2393.53, "word": " ثانية", "probability": 0.8252766927083334}, {"start": 2393.53, "end": 2394.39, "word": " يعني", "probability": 0.91552734375}, {"start": 2394.39, "end": 2394.57, "word": " من", "probability": 0.9951171875}, {"start": 2394.57, "end": 2395.09, "word": " العدل", "probability": 0.95654296875}, {"start": 2395.09, "end": 2395.71, "word": " ان", "probability": 0.77099609375}, {"start": 2395.71, "end": 2396.41, "word": " يحتسب", "probability": 0.970703125}, {"start": 2396.41, "end": 2397.03, "word": " عليها", "probability": 0.994384765625}, {"start": 2397.03, "end": 2397.29, "word": " او", "probability": 0.779296875}, {"start": 2397.29, "end": 2397.53, "word": " لها", "probability": 0.961181640625}, {"start": 2397.53, "end": 2398.11, "word": " الربح", "probability": 0.7578125}, {"start": 2398.11, "end": 2398.49, "word": " من", "probability": 0.9931640625}, {"start": 2398.49, "end": 2398.87, "word": " اليوم", "probability": 0.97509765625}, {"start": 2398.87, "end": 2399.35, "word": " الأول", "probability": 0.848388671875}, {"start": 2399.35, "end": 2399.49, "word": " من", "probability": 0.79443359375}, {"start": 2399.49, "end": 2399.77, "word": " أول", "probability": 0.88623046875}, {"start": 2399.77, "end": 2400.37, "word": " السنة", "probability": 0.9703776041666666}, {"start": 2400.37, "end": 2400.89, "word": " حتى", "probability": 0.9189453125}, {"start": 2400.89, "end": 2401.41, "word": " نهاية", "probability": 0.9503580729166666}, {"start": 2401.41, "end": 2401.89, "word": " السنة", "probability": 0.98828125}, {"start": 2401.89, "end": 2402.49, "word": " المالية", "probability": 0.99609375}, {"start": 2402.49, "end": 2403.39, "word": " ولو", "probability": 0.782958984375}, {"start": 2403.39, "end": 2403.75, "word": " ان", "probability": 0.71875}, {"start": 2403.75, "end": 2404.37, "word": " انت", "probability": 0.828125}, {"start": 2404.37, "end": 2405.11, "word": " يعني", "probability": 0.949951171875}, {"start": 2405.11, "end": 2405.63, "word": " حرمته", "probability": 0.9779052734375}, {"start": 2405.63, "end": 2405.79, "word": " من", "probability": 0.9931640625}, {"start": 2405.79, "end": 2406.19, "word": " ذلك", "probability": 0.994140625}, {"start": 2406.19, "end": 2407.09, "word": " وبدأتله", "probability": 0.774267578125}, {"start": 2407.09, "end": 2407.89, "word": " فهذا", "probability": 0.97802734375}, {"start": 2407.89, "end": 2408.25, "word": " بيكون", "probability": 0.8483072916666666}, {"start": 2408.25, "end": 2408.39, "word": " في", "probability": 0.93505859375}, {"start": 2408.39, "end": 2408.75, "word": " نقمن", "probability": 0.5935872395833334}, {"start": 2408.75, "end": 2409.11, "word": " الظلم", "probability": 0.9656575520833334}, {"start": 2409.11, "end": 2409.89, "word": " وينبغي", "probability": 0.9685546875}, {"start": 2409.89, "end": 2410.67, "word": " مراعاته", "probability": 0.85048828125}, {"start": 2410.67, "end": 2411.25, "word": " و", "probability": 0.35986328125}, {"start": 2411.25, "end": 2411.73, "word": " ..", "probability": 0.4853515625}, {"start": 2411.73, "end": 2412.21, "word": " نعم؟", "probability": 0.6333821614583334}, {"start": 2412.21, "end": 2412.55, "word": " كتاب", "probability": 0.7618001302083334}, {"start": 2412.55, "end": 2413.31, "word": " كهربا؟", "probability": 0.55966796875}, {"start": 2413.31, "end": 2413.61, "word": " لأ", "probability": 0.7158203125}], "temperature": 1.0}, {"id": 106, "seek": 242226, "start": 2414.96, "end": 2422.26, "text": "طلع كويس بتلاقي مش العرس .. اه على اي حال ضالت مقطتين بنكملها المرة الجاية مش مشكلة .. يلا", "tokens": [9566, 1211, 3615, 9122, 45865, 3794, 39894, 15040, 38436, 37893, 18863, 2288, 3794, 4386, 1975, 3224, 15844, 1975, 1829, 11331, 6027, 48812, 6027, 2655, 3714, 47432, 2655, 9957, 44945, 24793, 1211, 11296, 9673, 25720, 25724, 995, 10632, 37893, 37893, 28820, 3660, 4386, 7251, 15040], "avg_logprob": -0.2965277645323012, "compression_ratio": 1.4234234234234233, "no_speech_prob": 2.980232238769531e-07, "words": [{"start": 2414.96, "end": 2415.34, "word": "طلع", "probability": 0.78173828125}, {"start": 2415.34, "end": 2415.88, "word": " كويس", "probability": 0.9208984375}, {"start": 2415.88, "end": 2416.22, "word": " بتلاقي", "probability": 0.84619140625}, {"start": 2416.22, "end": 2416.4, "word": " مش", "probability": 0.97314453125}, {"start": 2416.4, "end": 2417.18, "word": " العرس", "probability": 0.724365234375}, {"start": 2417.18, "end": 2417.34, "word": " ..", "probability": 0.473388671875}, {"start": 2417.34, "end": 2417.6, "word": " اه", "probability": 0.73193359375}, {"start": 2417.6, "end": 2418.0, "word": " على", "probability": 0.6181640625}, {"start": 2418.0, "end": 2418.2, "word": " اي", "probability": 0.70654296875}, {"start": 2418.2, "end": 2418.64, "word": " حال", "probability": 0.996826171875}, {"start": 2418.64, "end": 2419.46, "word": " ضالت", "probability": 0.7169596354166666}, {"start": 2419.46, "end": 2419.92, "word": " مقطتين", "probability": 0.6851806640625}, {"start": 2419.92, "end": 2420.4, "word": " بنكملها", "probability": 0.7828369140625}, {"start": 2420.4, "end": 2420.62, "word": " المرة", "probability": 0.936279296875}, {"start": 2420.62, "end": 2420.9, "word": " الجاية", "probability": 0.7548828125}, {"start": 2420.9, "end": 2421.0, "word": " مش", "probability": 0.90625}, {"start": 2421.0, "end": 2421.64, "word": " مشكلة", "probability": 0.8380533854166666}, {"start": 2421.64, "end": 2421.9, "word": " ..", "probability": 0.693359375}, {"start": 2421.9, "end": 2422.26, "word": " يلا", "probability": 0.748291015625}], "temperature": 1.0}], "language": "ar", "language_probability": 1.0, "duration": 2422.9095, "duration_after_vad": 2318.2406249999967}
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/tfqHTjonX3Y.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/tfqHTjonX3Y.srt
new file mode 100644
index 0000000000000000000000000000000000000000..80224956d8cb1db1290c989c48d4c58f8bf6a37d
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/tfqHTjonX3Y.srt
@@ -0,0 +1,1350 @@
+1
+00:00:21,350 --> 00:00:24,170
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:24,170 --> 00:00:28,430
+على رسول الله وعلى آله وصحبه ومن اهتدى بهديه
+
+3
+00:00:28,430 --> 00:00:30,150
+واستنى بسنته إلى يوم الدين
+
+4
+00:00:33,040 --> 00:00:39,960
+وبعد أيها الإخوة الأحباب، مواصلة حديثنا عن المعاملة
+
+5
+00:00:39,960 --> 00:00:45,280
+التي تنتمي إليها المشاركة المنتهية بالتمليك أو ما
+
+6
+00:00:45,280 --> 00:00:50,060
+يُعرف بالمعاملة الأم، وهي الشركة عمومًا. وتحدثنا عن
+
+7
+00:00:50,060 --> 00:00:56,300
+الشركة من حيث تعريفها، ومن حيث مشروعيتها، ومن حيث
+
+8
+00:00:56,300 --> 00:01:06,660
+أنواعها، تمهيدًا للحديث عن المشاركة المنتهية بالتمليك.
+
+9
+00:01:06,660 --> 00:01:12,200
+وقلنا بأن الشركة هي عبارة عن خلط بين مالين بحيث
+
+10
+00:01:12,200 --> 00:01:19,100
+لا يتميز أحد المالين عن الآخر، أو يعني على سبيل
+
+11
+00:01:19,100 --> 00:01:25,860
+الشيوع. وقلنا بأنها مشروعة، ووردت مشروعيتها في الكتاب
+
+12
+00:01:25,860 --> 00:01:33,780
+وفي السنة، وبناءً على المصلحة والعقل أيضًا. وذكرنا بعض
+
+13
+00:01:33,780 --> 00:01:39,340
+أنواعها: شركة العنان، شركة الأبدان، شركة المضاربة،
+
+14
+00:01:39,340 --> 00:01:48,420
+شركة الوجوه، وشركة المفاوضة. تحدثنا عن هذا ربما
+
+15
+00:01:51,070 --> 00:02:02,830
+وقلنا ربما أيضًا بأن البنوك الإسلامية، رغم أنها هي
+
+16
+00:02:02,830 --> 00:02:08,810
+التي تقوم بالتعامل في الغالب بالمشاركة المنتهية
+
+17
+00:02:08,810 --> 00:02:15,050
+بالتمليك، إلا أن هذا الأمر لم يمنعها من أن تتعامل
+
+18
+00:02:16,310 --> 00:02:23,890
+في بعض أنواع الشركات العادية التي عرفها فقهاء
+
+19
+00:02:23,890 --> 00:02:30,330
+المسلمين، كشركات العنان وشركات المضاربة. أقول بأن
+
+20
+00:02:30,330 --> 00:02:33,930
+البنوك الإسلامية، أيها الإخوة، تتعامل
+
+21
+00:02:36,530 --> 00:02:42,570
+بشركات عادية، وليس فقط المشاركة المنتهية بالتمليك
+
+22
+00:02:42,570 --> 00:02:47,330
+فقط هو الذي يكون من أعمالها، بل يمكن أن تعمل
+
+23
+00:02:47,330 --> 00:02:55,910
+بشركات عادية دائمة وثابتة ومستمرة، سواء من أموال
+
+24
+00:02:55,910 --> 00:03:01,790
+إدارة البنك أو من أموال المستثمرين والمودعين، ولكن
+
+25
+00:03:03,020 --> 00:03:07,860
+بالإضافة إلى هذه المشاركات التي تقوم بها البنوك
+
+26
+00:03:07,860 --> 00:03:14,580
+الإسلامية، المشاركات العادية، فإنها ابتدعت أو فإنها
+
+27
+00:03:14,580 --> 00:03:20,100
+استحدثت، أي البنوك الإسلامية، نوعًا آخر من أنواع
+
+28
+00:03:20,100 --> 00:03:27,110
+الشركات، وهو ما يُعرف، كما قلنا، بالمشاركة المنتهية
+
+29
+00:03:27,110 --> 00:03:34,570
+بالتمليك، أو دعنا نسميها المشاركة المؤقتة، أو كما
+
+30
+00:03:34,570 --> 00:03:40,770
+يسميها بعض الفقهاء المعاصرين، بالمشاركة المتناقصة.
+
+31
+00:03:40,770 --> 00:03:45,410
+المشاركة المتناقصة، وإحنا يمكن في بداية حديثنا في
+
+32
+00:03:45,410 --> 00:03:51,450
+المرة الماضية، قلنا بأن المشاركة المنتهية بالتمليك
+
+33
+00:03:52,200 --> 00:04:00,120
+يعني يدل عنوانها على حقيقتها ومعناها، وإن كان يعني
+
+34
+00:04:00,120 --> 00:04:06,540
+دلالة جزئية، ذلك أن المقصود من المشاركة المنتهية
+
+35
+00:04:06,540 --> 00:04:14,480
+بالتمليك، مشاركة تنتهي بتمليك الشركة لأحد الشريكين
+
+36
+00:04:14,480 --> 00:04:22,480
+بعد أن يقوم بتسديد نصيب
+
+37
+00:04:22,480 --> 00:04:29,880
+الطرف الآخر. بعد أن يقوم بتسديد نصيب الطرف الآخر.
+
+38
+00:04:29,880 --> 00:04:37,050
+هذا هو المقصود من المشاركة المنتهية بالتمليك، ولذلك
+
+39
+00:04:37,050 --> 00:04:43,510
+جاء تعريفها على النحو التالي، بما يؤكد هذه الحقيقة،
+
+40
+00:04:43,510 --> 00:04:49,410
+أنها، أي مشاركة المنتهية بالتمليك، هي عبارة عن شركة
+
+41
+00:04:49,410 --> 00:04:55,950
+لوطي فيها، أو بمقتضاها، شركة من
+
+42
+00:04:55,950 --> 00:05:00,230
+البداية. بتتم اتفاق على أشياء فيها، يعطي بمقتضاها،
+
+43
+00:05:00,230 --> 00:05:04,770
+يعني منذ اللحظة الأولى، البنك أو المصرف يعطي فيها
+
+44
+00:05:04,770 --> 00:05:10,450
+الحق للشريك، الطرف الآخر، لأنها هي هذه المشاركة
+
+45
+00:05:10,450 --> 00:05:14,510
+المنتهية بالتمليك، عادة ما تكون شركة بين المصرف
+
+46
+00:05:14,510 --> 00:05:20,540
+وطرف آخر. هذه الشركة من اللحظة الأولى، ووفق الاتفاق
+
+47
+00:05:20,540 --> 00:05:25,900
+الأول، يعطي المصرف أو الـ bank بمقتضاها الشريك أو
+
+48
+00:05:25,900 --> 00:05:37,880
+الطرف الآخر الحق في تملك حصته بعد أن يقوم بدفع
+
+49
+00:05:37,880 --> 00:05:47,950
+مقابل ذلك له، بالإضافة إلى الأرباح، بطريقة متدرجة
+
+50
+00:05:47,950 --> 00:05:57,970
+وبحسب ما يتم الاتفاق عليه. إذا هي مرة أخرى عبارة عن
+
+51
+00:05:57,970 --> 00:06:04,570
+شركة، يعطي فيها المصرف الحق للشريك في التملك أو في
+
+52
+00:06:04,570 --> 00:06:10,490
+الحلول محلّه في الملكية دفعة واحدة أو على دفعات
+
+53
+00:06:10,490 --> 00:06:20,030
+بحسب الاتفاق، تدريجيًا أو مرة واحدة بحسب الاتفاق، وبحسب
+
+54
+00:06:20,030 --> 00:06:25,870
+الشروط المتفق عليها. وبهذا أيها الإخوة، يظهر لنا أن
+
+55
+00:06:25,870 --> 00:06:31,110
+المشاركة المنتهية بالتمليك قد يكون لها صور متعددة.
+
+56
+00:06:31,110 --> 00:06:37,970
+قد يكون لها صور متعددة، بمعنى أن من صورها أن يتم
+
+57
+00:06:37,970 --> 00:06:44,690
+التملك من قبل الطرف، من قبل طرف الشريك، لنصيب البنك
+
+58
+00:06:46,110 --> 00:06:52,010
+بعد أن يدفع ثمن
+
+59
+00:06:52,010 --> 00:06:57,960
+نصيبه دفعة واحدة، بعد مدة محددة، بعد خمس سنوات، أنا
+
+60
+00:06:57,960 --> 00:07:04,580
+بأعطيك نصيبك، وتصبح الشركة ملكي، وأنت الله يسهل عليه.
+
+61
+00:07:04,580 --> 00:07:09,980
+طبعًا، لكن دون أن ينسى في خلال هذه الخمس سنوات أن
+
+62
+00:07:09,980 --> 00:07:16,400
+يعطيه الربح عن كل عام، أو في نهاية كل عام، أو بعد
+
+63
+00:07:16,400 --> 00:07:25,730
+يعني، إظهار الربح. وقد تكون الصورة غير ذلك، بأن يقوم
+
+64
+00:07:25,730 --> 00:07:32,690
+الطرف الثاني، اللي هو الشريك، بتسديد نصيب البنك على
+
+65
+00:07:32,690 --> 00:07:38,430
+دفعات تدريجيًا، كل سنة يعطيه جزءًا. هذه صورة أخرى.
+
+66
+00:07:38,430 --> 00:07:43,480
+الصورة الأولى: دفعة واحدة بعد الخمس سنوات. الصورة الثانية:
+
+67
+00:07:43,480 --> 00:07:49,520
+يعني كل سنة يعطيه جزءًا من نصيبه، وبالتالي يبدأ
+
+68
+00:07:49,520 --> 00:07:55,870
+نصيبه في العام الذي يليه يتناقص، نسبة الربح تقل.
+
+69
+00:07:55,870 --> 00:08:03,470
+ومن هنا سميت بالمشاركة المتناقصة، التي يتناقص فيها
+
+70
+00:08:03,470 --> 00:08:11,350
+رأس مال البنك عامًا بعد عام، إلى أن تنتهي ملكيته
+
+71
+00:08:11,350 --> 00:08:23,130
+تمامًا، وتؤول إلى الشريك الآخر. على أي أساس؟ إيش؟
+
+72
+00:08:23,840 --> 00:08:33,180
+بيعطى الربح.. شريك.. شريك.. كل سنة بتناقص الأصل
+
+73
+00:08:33,180 --> 00:08:36,040
+ماله في قضية الصورة.. صحيح.. هو الآن كما قلت..
+
+74
+00:08:36,040 --> 00:08:43,270
+هو.. شريك بجزء من رأس المال، وغالبا ما يكون يا أخي
+
+75
+00:08:43,270 --> 00:08:47,650
+الجزء الذي يضعه البنك هو الجزء الأكبر. يعني لو
+
+76
+00:08:47,650 --> 00:08:53,550
+افترضنا أن رأس مال الشركة ٥٠٠ ألف دولار مثلًا، ممكن
+
+77
+00:08:53,550 --> 00:08:58,970
+يكون مساهمة البنك بـ ٤٠٠ ألف، والطرف الآخر بـ ١٠٠ ألف،
+
+78
+00:08:58,970 --> 00:09:06,650
+أو يعني نحو ذلك، حسب ٣٠٠ و٢٠٠ و٢٠٠ و٣٠٠. الآن في
+
+79
+00:09:06,650 --> 00:09:13,770
+العام الأول، كيف سيتم تقسيم الربح، وعلى أي أساس؟
+
+80
+00:09:13,770 --> 00:09:19,050
+بالطبع، إحنا كما سنرى بعد قليل، أن هذه الشركة
+
+81
+00:09:19,050 --> 00:09:25,110
+المنتهية بالتمليك، إلى ما قبل التمليك، هي شركة تُطبق
+
+82
+00:09:25,110 --> 00:09:31,790
+عليها كل أحكام الشركة، كل أحكام الشركات، بمعنى تحمل
+
+83
+00:09:31,790 --> 00:09:37,990
+الخسارة والربح، والمشاركة في الإدارة، وكل ذلك. وعليه،
+
+84
+00:09:37,990 --> 00:09:44,250
+فعلى صعيد الربح مثلًا، أنا إليّ ٤٠٠ ألف، وأنت إليك
+
+85
+00:09:44,250 --> 00:09:47,810
+١٠٠ ألف، وأنا بشارك في الإدارة، وأنت بتشارك في
+
+86
+00:09:47,810 --> 00:09:50,650
+الإدارة. كيف يستطيع تم تقسيم الربح في حالة تحقق
+
+87
+00:09:50,650 --> 00:09:58,800
+الربح بنسبة ١ إلى ٤؟ معنى لو أن هذا العام ربحة
+
+88
+00:09:58,800 --> 00:10:03,680
+الشركة خمسين ألف دولار، أنت هتأخذ عشرة آلاف، الشريك لأنه
+
+89
+00:10:03,680 --> 00:10:11,460
+لك مائة ألف، وأنا هآخذ أربعين ألف، وسابق رصيدي رأس
+
+90
+00:10:11,460 --> 00:10:12,440
+مالي هو هو.
+
+91
+00:10:16,630 --> 00:10:22,590
+لو.. لو كان الشرط بيننا أن أسدّد لك، أيها البنك، أنا
+
+92
+00:10:22,590 --> 00:10:28,830
+كشريك، كل عام مائة ألف على مدار أربعة أعوام، تمام؟
+
+93
+00:10:28,830 --> 00:10:35,670
+إذا أنا أعطيتك الأربعين ألف ربح، ثم أعطيتك، سدّدت لك
+
+94
+00:10:35,670 --> 00:10:41,440
+مائة ألف، فصار نصيبي كم من رأس مال الشركة؟ ٢٠٠
+
+95
+00:10:41,440 --> 00:10:47,400
+ونصيبك ٣٠٠، بدأ يتناقص في العام الذي يليه، كم ستكون
+
+96
+00:10:47,400 --> 00:10:53,740
+نسبة الربح لي وبيني وبينك؟ ٢ إلى ٣، وليس ١ إلى ٤،
+
+97
+00:10:53,740 --> 00:10:58,400
+بناءً على رأس المال الذي أُعطِيتُه، الذي بدأ يتناقص.
+
+98
+00:10:58,400 --> 00:11:01,540
+أنا لسه رأس مالي موجود، ما تقولليش على أي أساس أخذت
+
+99
+00:11:01,540 --> 00:11:06,980
+الربح، أنا رأس مالي موجود، وإن كان قد قلّ، مشاركتي
+
+100
+00:11:06,980 --> 00:11:14,880
+وإدارتي ومسؤوليتي موجودة، فأنا شريك بكل ما تحمله
+
+101
+00:11:14,880 --> 00:11:19,860
+المعنى، لكن يبدأ رأس مالي وفقًا للشهور المتفق عليها.
+
+102
+00:11:19,860 --> 00:11:27,620
+وهذا الذي تَختَص به هذه المشاركة، مسألة أن التناقص
+
+103
+00:11:27,620 --> 00:11:36,000
+أو أن.. أو أن هذه الشركة تنتهي في النهاية إلى أن تصبح
+
+104
+00:11:36,000 --> 00:11:41,340
+ملكا لأحد الشريكين، بخلاف يا أخوة الشركات العادية
+
+105
+00:11:41,340 --> 00:11:50,380
+التي تنتهي بتفرق الشريكين بالكلية،
+
+106
+00:11:50,380 --> 00:11:53,760
+أو بديمومتهما بالكلية.
+
+107
+00:11:55,260 --> 00:11:59,840
+على أي حال، إذا المشاركة المنتهية بالتمليك يعني
+
+108
+00:11:59,840 --> 00:12:07,840
+طبّقت صورتها من حيث ما يتم الاتفاق عليه بين البنك
+
+109
+00:12:07,840 --> 00:12:17,340
+وبين الشريك على شركة معينة، يتفقان فيها على أن يقوم
+
+110
+00:12:17,340 --> 00:12:24,660
+الشريك بتسديد للبنك رأس المال الذي دفعه البنك في
+
+111
+00:12:24,660 --> 00:12:30,320
+الشركة، إما دفعة واحدة أو بطريقة متناقصة على دفعات،
+
+112
+00:12:30,320 --> 00:12:35,300
+بحسب ما يتم الاتفاق عليه. هذه المشاركة المنتهية
+
+113
+00:12:35,300 --> 00:12:40,580
+بالتمليك، ما هي الخطوات التي تتم؟ يعني قبل أن نفرق،
+
+114
+00:12:40,580 --> 00:12:43,880
+أنا كالعادة أبدأ بالخطوات، لأن الخطوات تتميم
+
+115
+00:12:43,880 --> 00:12:50,810
+للتعريف وللصورة. ما هي الخطوات التي تتم بها
+
+116
+00:12:50,810 --> 00:12:55,330
+المشاركة المنتهية بالتمليك؟ هناك عدة خطوات، كما في
+
+117
+00:12:55,330 --> 00:12:58,070
+المرابحة، كما في الإيجارة المنتهية بالتمليك، تمت
+
+118
+00:12:58,070 --> 00:13:02,690
+خطوات لابد من مراعاتها، بمعنى أن المشاركة المنتهية
+
+119
+00:13:02,690 --> 00:13:08,350
+بالتمليك لا تتم في جلسة واحدة أو في خطوة واحدة أو
+
+120
+00:13:08,350 --> 00:13:15,820
+في عقد واحد، لا، هناك دعنا نقول مراحل أو خطوات، وكلنا
+
+121
+00:13:15,820 --> 00:13:21,320
+يذكر أن الخطوة الأولى في أي معاملة من المعاملات
+
+122
+00:13:21,320 --> 00:13:26,020
+التي تقوم بها البنوك مع الزبائن، هو أن يقوم الزبون
+
+123
+00:13:26,020 --> 00:13:31,680
+بتقديم طلب، بتقديم الطلب، سواء طلب مرابحة، طلب إيجارة،
+
+124
+00:13:31,680 --> 00:13:37,920
+لكن هنا الطلب سيكون طلب مشاركة، طلب مشاركة، طلب
+
+125
+00:13:37,920 --> 00:13:50,260
+مشاركة في عمل استثماري معين، في مصنع، في تجارة، بعد أن
+
+126
+00:13:50,260 --> 00:13:56,160
+طب هذا الطلب يا أخوة، يكون متضمن تفاصيل كثيرة، على
+
+127
+00:13:56,160 --> 00:14:02,160
+رأسها دراسة الجدوى. أنا مقدم الطلب، اللي بدي البنك
+
+128
+00:14:02,160 --> 00:14:08,810
+يشاركني، بدي أشجّع البنك، أغري البنك على الموافقة، كيف؟
+
+129
+00:14:08,810 --> 00:14:15,890
+من خلال تقديم دراسة جدوى، تبين أن هناك ربحًا وافرًا
+
+130
+00:14:15,890 --> 00:14:23,510
+سيتحقق على أثر، يعني القيام بهذه الشركة وإلا،
+
+131
+00:14:25,060 --> 00:14:29,580
+ما الذي سيدفع البنك، وسيشجع البنك على مشاركتك، و
+
+132
+00:14:29,580 --> 00:14:33,600
+الدخول في هذا المشروع؟ مثل هذه الدراسة، مثل هذه
+
+133
+00:14:33,600 --> 00:14:40,840
+الدراسة، طبعًا هذه الدراسة، والمرفقة بتفاصيل متعددة،
+
+134
+00:14:40,840 --> 00:14:48,960
+الكفالات والضمانات، كيفية التسديد، ونسبة رأس المال
+
+135
+00:14:48,960 --> 00:14:53,440
+للشركة عمومًا، وقداش هو ممكن يدفع، وقداش طالب من
+
+136
+00:14:53,440 --> 00:15:01,020
+البنك، كل هذه التفاصيل يذكرها، يذكرها في النموذج. طيب،
+
+137
+00:15:01,020 --> 00:15:05,960
+إذا ذكر كل ذلك، هل بمجرد تقديم الطلب تتم الموافقة؟
+
+138
+00:15:05,960 --> 00:15:11,400
+طبعًا لا، وإنما يقوم البنك بعملية دراسة لهذا الطلب،
+
+139
+00:15:12,650 --> 00:15:18,090
+وهناك لجنة اقتصادية أيضًا تقوم بدراسة المشروع، ولا
+
+140
+00:15:18,090 --> 00:15:26,110
+تكتفي بدراسة الجدوى التي قام بها الشريك، لأنه قد
+
+141
+00:15:26,110 --> 00:15:31,930
+يكون مضللًا، أو قد يكون جاهلًا، أو قد يكون يعني، فلا
+
+142
+00:15:31,930 --> 00:15:38,010
+تكتفي، وإن كانت تأخذها بعين الاعتبار، بل تقوم بدراسة
+
+143
+00:15:38,010 --> 00:15:43,450
+أخرى، للجنة الاقتصادية في البنك. فإذا ما اقتنعت
+
+144
+00:15:43,450 --> 00:15:51,900
+بجدوى المشروع وأهميته، وأنه يحقق مصلحة وربحًا، تتم
+
+145
+00:15:51,900 --> 00:15:57,840
+الموافقة المبدئية. تتم الموافقة على إيش؟ المشروع من
+
+146
+00:15:57,840 --> 00:16:02,960
+حيّثه المبدأي. إذا تمت الموافقة المبدئية، يتم يأتي
+
+147
+00:16:02,960 --> 00:16:07,460
+الخطوة الثالثة، وهي أن يجلس البنك أو مندوب البنك أو
+
+148
+00:16:07,460 --> 00:16:13,320
+مدير البنك أو مفوضه مع الشريك، للاتفاق على كل
+
+149
+00:16:13,320 --> 00:16:19,970
+التفاصيل، للاتفاق على كل التفاصيل. هو came لأنه هو في
+
+150
+00:16:19,970 --> 00:16:22,990
+الـ.. في النموذج، كتب بعض التفاصيل، مش ما كَتَفَش، ما
+
+151
+00:16:22,990 --> 00:16:28,470
+كتبش، لكن هذه التفاصيل يعني قابلة للأخذ والرد، قابلة
+
+152
+00:16:28,470 --> 00:16:34,350
+للتفاوض، يجلسون للاتفاق بدقة على كل هذه التفاصيل،
+
+153
+00:16:34,350 --> 00:16:40,350
+بدءًا بنسبة المشاركة في رأس المال، ومروراً بالمدة
+
+154
+00:16:40,350 --> 00:16:49,280
+التي سيتم فيها التسديد، وبحيث تؤول الشركة إلى
+
+155
+00:16:49,280 --> 00:16:56,060
+الشريك، و هل سيتم التسديد دفعة واحدة أم على دفعات.
+
+156
+00:16:57,800 --> 00:17:03,400
+بالإضافة إلى، يعني كل هذه التفاصيل يتم الاتفاق
+
+157
+00:17:03,400 --> 00:17:06,640
+عليها. إذا تم الاتفاق على كل هذه التفاصيل، يطلب
+
+158
+00:17:06,640 --> 00:17:11,920
+البنك أيضًا فتح حساب خاص بالشركة، لأنها شركة ناشئة،
+
+159
+00:17:11,920 --> 00:17:16,200
+مولود جديد، يحتاج شخصية اعتبارية جديدة، تحتاج إلى
+
+160
+00:17:16,200 --> 00:17:20,900
+حساب خاص، مش باسم الشريك ولا باسم البنك، باسم الشركة،
+
+161
+00:17:20,900 --> 00:17:27,980
+فتح حسابه. وبعد ذلك يتم التعاقد، التعاقد، التعاقد على
+
+162
+00:17:27,980 --> 00:17:36,160
+الشركة، التعاقد بمقتضاه تتم الشراكة، بس لسه فيه كمان،
+
+163
+00:17:36,160 --> 00:17:43,880
+أه، فيه كمان خطوة، وفي ضمن هذا التعاقد، ضمن هذا
+
+164
+00:17:43,880 --> 00:17:56,200
+التعاقد، هناك وعد أو عقد، يتضمن الوعد بتمليك البنك
+
+165
+00:17:56,200 --> 00:18:07,890
+للشريك هذه الشركة بعد أن يقوم بدفع الأقساط التي
+
+166
+00:18:07,890 --> 00:18:10,950
+دفعها
+
+167
+00:18:10,950 --> 00:18:18,510
+البنك، وفق الصورة، ووفق الشرط المتفق عليها، ويتم
+
+168
+00:18:18,510 --> 00:18:24,090
+عندها تنازل البنك نهائيًا عن حصصه، وبالتالي ما دام لم
+
+169
+00:18:24,090 --> 00:18:29,390
+يعدّ له حصة، لم يعد له نصيب في الأرباح، وتصبح الشركة
+
+170
+00:18:29,820 --> 00:18:35,800
+بال
+
+223
+00:24:06,670 --> 00:24:11,030
+نراها يعني معظمها مؤقتة تنتهي بعد عام أو عامين
+
+224
+00:24:11,030 --> 00:24:16,150
+تنتهي بانتهاء الصفقة، تنتهي بتفرق.. بتفرق ناتج عن
+
+225
+00:24:16,150 --> 00:24:23,700
+اختلاف فهي.. فهي إذا مؤقتة أيضا، فهي..ف..كيف
+
+226
+00:24:23,700 --> 00:24:31,120
+يكونوا.. فكيف تكون صفة الديمومة؟ فرق بين الشركة
+
+227
+00:24:31,120 --> 00:24:34,640
+العادية والشركة المنتهية بالتمليك، مع أن الشركة
+
+228
+00:24:34,640 --> 00:24:39,820
+العادية كما نرى يعني ممكن تكون مؤقتة؟  آه، إن الشركة
+
+229
+00:24:39,820 --> 00:24:44,900
+المنتهية بالتمليك منذ أحد الشركاء، حدث واشتكى
+
+230
+00:24:44,900 --> 00:24:50,290
+التهاشت،أحسن، هذا هو المهم يا إخوة، هذا هو المقصود
+
+231
+00:24:50,290 --> 00:24:57,970
+في المشاركة المنتهية بالتمليك، يتم الاتفاق على
+
+232
+00:24:57,970 --> 00:25:04,570
+توقيت الشركة ابتداءً، يتم الاتفاق على أن الشركة
+
+233
+00:25:04,570 --> 00:25:09,750
+مؤقتة، لوقت معين، سنة، سنتين، ثلاثة، أربعة، عشرة،
+
+234
+00:25:09,750 --> 00:25:16,220
+منذ اللحظة الأولى، ولذلك هي مؤقتة وغير دائمة، تنتهي
+
+235
+00:25:16,220 --> 00:25:21,620
+بتمليك أحد الشريكين، لكن الشركة العادية لا يتم
+
+236
+00:25:21,620 --> 00:25:27,660
+اتفاق كهذا أبدًا، يعني زي ما بيقولوا الشركاء بيخشوا
+
+237
+00:25:27,660 --> 00:25:32,040
+شراكة على الخير والشر على طول، إلى أن تنتهي الصفقة
+
+238
+00:25:32,040 --> 00:25:36,960
+وقد تنتهي بدون أجر، ما ليس تمامًا من أجر معروف، قد
+
+239
+00:25:36,960 --> 00:25:41,180
+تنتهي بعد عام، بعد شهر، بعد يوم، قد يختلفوا، قد لا
+
+240
+00:25:41,180 --> 00:25:46,980
+يختلفوا، لكن الإشكالية هنا، قد يعني الشركة العادية
+
+241
+00:25:46,980 --> 00:25:51,900
+قد تكون مؤقتة، لكن لا يكون هذا التوقيت مشروطًا
+
+242
+00:25:51,900 --> 00:25:58,100
+ومتفقًا عليه ابتدائًا، هذه المهمة، هناك مشروط ومتفق
+
+243
+00:25:58,100 --> 00:26:03,180
+عليه ابتدائيًا، لكن في الشركة العادية لا، قد تستمر
+
+244
+00:26:03,180 --> 00:26:08,120
+الشركة العادية من، يعني من لحظة الاتفاق إلى الممات
+
+245
+00:26:08,120 --> 00:26:16,240
+لا يفرق بينهما إلا موت الشركاء خلاص، أو الاختلاف
+
+246
+00:26:16,240 --> 00:26:21,780
+أو انتهاء الصفقة، أو لكن ما فيش اتفاق، لأ، هم شركاء
+
+247
+00:26:21,780 --> 00:26:29,110
+على طول، على طول، كا لزوجين، يعني..يعني إحنا بنقول في
+
+248
+00:26:29,110 --> 00:26:35,570
+الزواج يا إخوة، الزواج نعتبره.. نعتبر الشراكة فيه
+
+249
+00:26:35,570 --> 00:26:40,270
+شراكة مؤبدة، مع أننا نرى أن كثيرًا من الزوجات.. من
+
+250
+00:26:40,270 --> 00:26:45,890
+الزيجات يتم فسخها والتفريق والطلاق
+
+251
+00:26:50,330 --> 00:26:57,710
+ومع أننا نعتبر أن الزواج من أساسياته عقد مؤبد، ذلك
+
+252
+00:26:57,710 --> 00:27:06,110
+أنه من حيث الابتداء يدخل الزوجان على الزواج لبنية
+
+253
+00:27:06,110 --> 00:27:12,090
+التوقيت، ولو دخل لبنية التوقيت لما جاز الزواج،
+
+254
+00:27:12,090 --> 00:27:17,990
+وكان زواج متعة أو زواج مؤقت، زواجًا مؤقتًا، ولما حل
+
+255
+00:27:19,050 --> 00:27:24,430
+في فرق، مع أنه ممكن الزواج المتعة أو الزواج المؤقت
+
+256
+00:27:24,430 --> 00:27:29,190
+تكون مدته أطول من زواج عادي، في زيجات عادية بس
+
+257
+00:27:29,190 --> 00:27:35,270
+شهر بتفوت، أسبوعين، وبعدين بتلجوا، التوقيت من حيث
+
+258
+00:27:35,270 --> 00:27:37,370
+الاشتراع والابتداء
+
+259
+00:27:39,400 --> 00:27:45,920
+وإلا فإنه يعني ما من معاملة إلا وقد يتم التفريق
+
+260
+00:27:45,920 --> 00:27:53,520
+بينهما، وقد يختلفا، وقد تنتهي العلاقة بين المؤجر
+
+261
+00:27:53,520 --> 00:27:57,870
+والمستأجر، بين البائع والمشتري، بين الشريك وشريك، قد
+
+262
+00:27:57,870 --> 00:28:03,310
+..قد تنتهي، طيب، إذا هذا بالنسبة لأوجه الاتفاق و
+
+263
+00:28:03,310 --> 00:28:10,230
+أوجه الاختلاف بين الفرقاء
+
+264
+00:28:10,230 --> 00:28:16,910
+أو بين الشريكين، لننتقل إلى التكييف
+
+265
+00:28:16,910 --> 00:28:23,710
+الفقهي للمشاركة المنتهية بالتمليك والحكم الشرعي
+
+266
+00:28:23,710 --> 00:28:24,410
+فيها
+
+267
+00:28:28,200 --> 00:28:34,640
+إحنا لما بنقول تكييف في الفقه يا إخوة، نستعرض حقيقة
+
+268
+00:28:34,640 --> 00:28:45,490
+هذه المعاملة، وأي المعاملات المعروفة تشبهها، هذا هو
+
+269
+00:28:45,490 --> 00:28:50,570
+المقصود من التكييف الفقهي، لكي نصدر الحكم بعد ذلك
+
+270
+00:28:50,570 --> 00:28:59,110
+لأن الحكم لأشياء يصدر كالحكم على شبيهة قياسًا، أو
+
+271
+00:28:59,110 --> 00:29:03,310
+عندما تعرف أن هذه الصورة تشبه هذه الصورة، فإذا كانت
+
+272
+00:29:03,310 --> 00:29:07,030
+الصورة الأولى حلالًا ومنصوصًا عليها، تصبح هذه كذلك
+
+273
+00:29:07,370 --> 00:29:12,270
+فإحنا قبل ما نصدر الحكم الشرعي، والعلماء قبل ما
+
+274
+00:29:12,270 --> 00:29:16,810
+يصدروا الحكم الشرعي، ينظرون إلى حقيقة المعاملة
+
+275
+00:29:16,810 --> 00:29:22,670
+فالحكم على الشيء كما يقولون، هو تصوره، فهذا التكييف
+
+276
+00:29:22,670 --> 00:29:29,630
+الفقهي هو التصوير أو التصور الحقيقي لحقيقة المعاملة
+
+277
+00:29:29,630 --> 00:29:36,470
+لحقيقة هذه المعاملة، انظروا هذه المعاملة، أول ما يعني
+
+278
+00:29:36,470 --> 00:29:46,490
+يميزها أنها عبارة عن شركة، شركة عادية، شركة عنان، إحنا
+
+279
+00:29:46,490 --> 00:29:50,350
+تكلمنا عن أنواع الشركات المرة اللي فاتت، مظبوط
+
+280
+00:29:50,350 --> 00:29:54,910
+وقلنا أن الشركة.. الشركة في الإسلام قد تكون شركة
+
+281
+00:29:54,910 --> 00:29:59,670
+عنان، وشركة.. أو شركة أعيان، أو شركة وجوه، أو شركة
+
+282
+00:29:59,670 --> 00:30:04,570
+مضاربة، أو مفاوضة، هذه شركة عنان، يشتركوا فيها اثنان
+
+283
+00:30:04,570 --> 00:30:08,370
+بماليهم وجُهدهم
+
+284
+00:30:10,060 --> 00:30:14,760
+واحد يقول البنك بجهده كمان؟ آه، إحنا قلنا البنك يا
+
+285
+00:30:14,760 --> 00:30:20,760
+إخوة، بالإضافة إلى المال، يشارك في الإدارة والمتابعة من
+
+286
+00:30:20,760 --> 00:30:26,620
+خلال مندوبين، شريك بكل معنى، وليس من حق الشريك أن
+
+287
+00:30:26,620 --> 00:30:33,120
+يمنع، بل وليس من حق البنك أن يتنازل حتى عن هذا
+
+288
+00:30:33,120 --> 00:30:40,300
+الحق، أو أن يشترط عدم فعليته، أو لابد من المشاركة
+
+289
+00:30:40,300 --> 00:30:43,720
+سواء مباشرة أو غير مباشرة من خلال التوكيل أو
+
+290
+00:30:43,720 --> 00:30:51,400
+انتداب آخرين، لابد من المشاركة لأن المسألة مسألة
+
+291
+00:30:51,400 --> 00:30:57,200
+تحمل جميع المسؤوليات، ربح وخسارة، وحقوق وواجبات
+
+292
+00:30:58,430 --> 00:31:03,910
+إذا هي تنطبق.. إذا هي يعني عبارة عن شركة عنان بكل
+
+293
+00:31:03,910 --> 00:31:13,010
+ما تعنيه الشركة عنان من معانٍ، ف..بمعنى آخر أنه
+
+294
+00:31:13,010 --> 00:31:18,730
+يأخذ كل واحد منهم نسبته في الربح بحسب رأس ماله
+
+295
+00:31:18,730 --> 00:31:24,990
+ويتحمل خسارته كذلك بحسب نسبة رأس ماله، شركة تمام
+
+296
+00:31:24,990 --> 00:31:32,550
+طبعًا، وإلى هنا لا إشكال في ذلك، يعني لو كانت شركة
+
+297
+00:31:32,550 --> 00:31:37,830
+المشاركة المنتهية بالتمليك فقط هي شركة عنان، لم يحتج
+
+298
+00:31:37,830 --> 00:31:44,890
+الأمر إلى مزيد توصيف وتكييف، لأن حكمها ثابت، لكن هي
+
+299
+00:31:44,890 --> 00:31:51,550
+من جانب معين فقط هي شركة عنان، لكن هذه الشركة العنان
+
+300
+00:31:52,240 --> 00:31:59,200
+يعني تختلف عن شركة العنان الأساسية من جانب آخر،
+
+301
+00:31:59,200 --> 00:32:08,260
+من جانب هي شركة عنان، من جانب آخر هي شركة مؤقتة، هي
+
+302
+00:32:08,260 --> 00:32:16,100
+شركة مؤقتة مبنية على أن ينتقل نصيب أحد الشريكين إلى
+
+303
+00:32:16,100 --> 00:32:18,640
+الآخر بعد تسديده
+
+304
+00:32:21,870 --> 00:32:27,530
+نصيبه، بعد تسديده رأس المال الذي، أو قيمة رأس المال
+
+305
+00:32:27,530 --> 00:32:37,210
+الذي دفعه، طبعًا هذا الكلام معناه أنه في اتفاق، في
+
+306
+00:32:37,210 --> 00:32:43,710
+اتفاق بينهما، في وعد، في الدرج أو مش في الدرج، أو على
+
+307
+00:32:43,710 --> 00:32:49,910
+الطاولة، في وعد واضح بينهما على أن يتم
+
+308
+00:32:51,900 --> 00:32:59,780
+التسديد، وتنتهي الشركة بالتمليك بعد وعد من المصرف
+
+309
+00:32:59,780 --> 00:33:04,940
+ويمكن أنا هنا أقول.. أريد أن أنبه، وبغض النظر يا
+
+310
+00:33:04,940 --> 00:33:10,540
+إخوة، عامةً إذا كانت الرغبة في التمليك من البنك أو
+
+311
+00:33:10,540 --> 00:33:17,420
+من.. أو من الشريك، يعني ممكن الشريك.. الشريك
+
+312
+00:33:17,420 --> 00:33:22,190
+يبتدئ، أن هو صاحب الرغبة، يقول اسمع أنا بشاركك، لكن مش
+
+313
+00:33:22,190 --> 00:33:25,090
+شركة عادية، لأن الشركة، البنك ممكن يشارك شركة عادية
+
+314
+00:33:25,090 --> 00:33:29,750
+لكن هي جاءت المشاركة هنا المنتهية بالتمليك بناءً
+
+315
+00:33:29,750 --> 00:33:34,470
+على رغبة الشريك، قالوا أنا بدي إياك تشاركلي لمدة
+
+316
+00:33:34,470 --> 00:33:42,490
+ثلاث سنين أو خمس سنين، بعد هيك خلاص أنا هسترد المبلغ
+
+317
+00:33:42,490 --> 00:33:48,370
+تطلع من اللعبة كلها، فيتم الاتفاق، وقد يكون الأمر
+
+318
+00:33:48,370 --> 00:33:49,470
+معكوسًا
+
+319
+00:33:52,140 --> 00:33:57,680
+يكون طلب التوقيت
+
+320
+00:33:57,680 --> 00:34:00,820
+والتمليك
+
+321
+00:34:00,820 --> 00:34:05,370
+من البنك، قال له أنا بخش معاك، الشريك البنك، يعني ممكن
+
+322
+00:34:05,370 --> 00:34:12,050
+يكون الشخص طلب مشاركة.. طلب مشاركة يعني طويل الأمد عادية، جاله لأ أنا بخش معاك بعد دراسته
+
+323
+00:34:12,050 --> 00:34:15,470
+لِـلجدوى، جاله هذه فيها جدوى أول سنتين، ثلاثة، بعد
+
+324
+00:34:15,470 --> 00:34:19,130
+هيك هتخش منافسين، البنك هيك.. جاله أبقى خش معاك
+
+325
+00:34:19,130 --> 00:34:23,730
+مشاركة لمدة ثلاث سنوات، خلاص وافق الرجل، المهم يعني
+
+326
+00:34:23,730 --> 00:34:31,680
+أقصد أن المشاركة المنتهية بالتمليك قد تتم بناءً على
+
+327
+00:34:31,680 --> 00:34:35,900
+رغبة الشريك، وقد تتم بناءً على رغبة البنك، وأيًّا كان
+
+328
+00:34:35,900 --> 00:34:40,140
+الأمر، فإن هذا يقتضي أن يكون ثمَّ وعد من البنك
+
+329
+00:34:40,140 --> 00:34:45,600
+بالتملك والتنازل، بغض النظر عن ما إذا كان هذا
+
+330
+00:34:45,600 --> 00:34:50,700
+بناءً على طلبه أو بناءً على طلب الشريك
+
+331
+00:34:57,890 --> 00:35:04,550
+النقطة الأخيرة اللي هي عملية تنفيذ الوعد، النقطة
+
+332
+00:35:04,550 --> 00:35:09,250
+الأخيرة في التكييف، عملية تنفيذ الوعد، وعملية تنفيذ
+
+333
+00:35:09,250 --> 00:35:15,330
+الوعد طبعًا مرتبطة بتنفيذ الشرط المتمثل في تسديد
+
+334
+00:35:16,220 --> 00:35:25,880
+دفعات رأس مال البنك، فإذا قام الشريك بتسديد دفعات
+
+335
+00:35:25,880 --> 00:35:34,380
+دفعات رأس مال البنك في الشركة وانتهى من ذلك، وبغض
+
+336
+00:35:34,380 --> 00:35:38,880
+النظر، دفعة واحدة كما قلنا، لأن هذه صورة، أو على
+
+337
+00:35:38,880 --> 00:35:48,660
+دفعات تدريجية متناقصة، حتى إذا انتهى من ذلك، لازم بعد
+
+338
+00:35:48,660 --> 00:35:54,760
+ذلك التوقيع على
+
+339
+00:35:54,760 --> 00:36:02,790
+عقد يتنازل بمقتضاه عن هذه الشركة، وقد يتم، يتم
+
+340
+00:36:02,790 --> 00:36:09,250
+التنازل يا إخوة كما يتم الدفع تدريجيًا، يتم التنازل
+
+341
+00:36:09,250 --> 00:36:15,410
+تدريجيًا، بمعنى كل دفعة بيدفعها الشريك تكون بمقتضى
+
+342
+00:36:15,410 --> 00:36:22,570
+عقد، يتم التنازل بمقتضى عقد، كأنه باعه جزءًا من نصيبه
+
+343
+00:36:22,570 --> 00:36:28,680
+في الشركة، أليس لو كنا شركاء في عشر دوامات أرض، خمسة
+
+344
+00:36:28,680 --> 00:36:34,020
+خمسة، أليس من حق الشريكين أن يبيعوا دوامة للآخر
+
+345
+00:36:34,020 --> 00:36:40,160
+فيصبح هذا له ستة وهذا أربعة؟ وبعد عامة؟ وهكذا
+
+346
+00:36:41,630 --> 00:36:48,030
+فبمقتضى عقد، ويأتي في العام القادم بمقتضى عقد، ويأتي
+
+347
+00:36:48,030 --> 00:36:52,410
+في العام الذي يليه بمقتضى عقد، حتى إذا بقيت آخر
+
+348
+00:36:52,410 --> 00:36:57,330
+جزئية من رأس المال، يعني يتم التنازل عنها أيضًا
+
+349
+00:36:57,330 --> 00:37:02,970
+بمقتضى عقد جديد، هذه هي الصورة يا إخوان
+
+350
+00:37:06,100 --> 00:37:13,000
+صورة المشاركة المنتهية بالتمليك، والتكييف الفقهي
+
+351
+00:37:13,000 --> 00:37:20,480
+لهذه الصورة، هذه الحقيقة بكل هذه العناصر، ما حكمها؟ هل
+
+352
+00:37:20,480 --> 00:37:28,890
+هي مشروعة أم غير مشروعة؟ يا إخوة، يعني أعتقد أنه..يعني
+
+353
+00:37:28,890 --> 00:37:33,210
+المعاملات التي سبقت المرابحة والإيجار المنتهي
+
+354
+00:37:33,210 --> 00:37:41,210
+بالتمليك كانت أكثر تعقيدًا وأكثر إشكالًا، ومع ذلك
+
+355
+00:37:41,210 --> 00:37:49,770
+وجدنا جماهير العلماء يقولون بإجازتها، فكيف بمعاملة
+
+356
+00:37:49,770 --> 00:37:56,930
+ليس فيها أي إشكال، حقيقة، شركة مشروطة بالتمليك لأحد
+
+357
+00:37:56,930 --> 00:38:02,130
+الطرفين، وليس في هذا الشرط أي إشكالية، غاية ما في
+
+358
+00:38:02,130 --> 00:38:07,470
+الأمر، ربما نقول أن هذه، بدون صوت يا إخوة، غاية ما في
+
+359
+00:38:07,470 --> 00:38:13,410
+الأمر، أو أعقد شيء أو أكثر شيء مُشكِل أن هذه المشاركة
+
+360
+00:38:13,410 --> 00:38:19,820
+تشتمل على عقدين، عقد الشركة وعقد التمليك الثاني، وهذه
+
+361
+00:38:19,820 --> 00:38:24,620
+وجدنا لها حلًّا قديمًا سواء في مسألة المرابحة أو
+
+362
+00:38:24,620 --> 00:38:29,920
+المنتهية بالتمليك المصرفية، أو في مسألة الإيجارة المنتهية
+
+363
+00:38:29,920 --> 00:38:38,170
+بالتمليك وغير ذلك، ليس فيها ما يؤثر على مشروعيتها
+
+364
+00:38:38,170 --> 00:38:46,270
+ولذلك فإن علماء المسلمين المعاصرين أجازوا هذه
+
+365
+00:38:46,270 --> 00:38:52,170
+المعاملة، أجازوا هذه المعاملة، لكنهم وضعوا شروطًا
+
+366
+00:38:52,170 --> 00:38:57,370
+ثلاثة أذكرها بسرعة وننتهي، وضعوا شروطًا، شروطًا حقيقية
+
+367
+00:38:57,370 --> 00:39:01,710
+هذه الشروط، ربما نحن تحدثنا فيها في ثنايا الحديث، في
+
+368
+00:39:01,710 --> 00:39:07,970
+ثنايا حديثنا، هذه الشروط، يعني أولًا، يعني الشروط
+
+369
+00:39:07,970 --> 00:39:12,190
+متداخلة، يعني تكاد تكون شرط واحد، لكن هي من باب
+
+370
+00:39:12,190 --> 00:39:18,310
+التفصيل، يعني هذا الـ.. يعتبرونها ثلاثة، أن لا تكون
+
+371
+00:39:18,310 --> 00:39:24,030
+عملية المشاركة المنتهية بالتمليك عبارة عن قرض، مجرد
+
+372
+00:39:24,030 --> 00:39:29,430
+قرض، يعني في ظاهرها شركة وفي حقيقتها قرض، لأ، يعني
+
+373
+00:39:29,430 --> 00:39:35,710
+قصدهم يقول إنه بدنا نطبق أحكام المشاركة كاملةً، بدنا
+
+374
+00:39:35,710 --> 00:39:40,210
+نطبق أحكام الإجارة، يعني الشرط تطبيق أحكام
+
+375
+00:39:40,210 --> 00:39:47,330
+المشاركة كاملةً من حيث استحقاق الربح ومن حيث تحمل
+
+376
+00:39:47,330 --> 00:39:51,110
+الخسارة، ومن حيث المشاركة في الإدارة، ومن حيث، ومن
+
+377
+00:39:51,110 --> 00:40:00,740
+حيث، أما تكون شراكة صورة وفي المضمون هي قرض لا يتحمل
+
+378
+00:40:00,740 --> 00:40:04,960
+خسارة، ويقول ماليش دعوة بدي أعمل شركة وأنا بعد خمس
+
+379
+00:40:04,960 --> 00:40:09,960
+سنين أعطيه الربح وكذا، ويمكن يتم التنصيص على ربح معين
+
+380
+00:40:09,960 --> 00:40:13,460
+بس فيه ربح، تربح ولا تخسر، أنا بدي خمسة في المئة أو
+
+381
+00:40:13,460 --> 00:40:19,180
+عشرة في المئة زائد رأس المال، إتفقنا، مش هيظبط، لأ
+
+382
+00:40:19,180 --> 00:40:27,820
+أحكام المشاركة بالتمام والكمال، طبعًا، لحظة من مقتضيات
+
+383
+00:40:27,820 --> 00:40:33,420
+الشرط الأول، الشرط الثاني، الشرط الثاني حقيقة مدرج
+
+384
+00:40:33,420 --> 00:40:38,820
+في الأول، لمن جال أن يمتلك البنك حصته ملكًا تمامًا،
+
+385
+00:40:38,820 --> 00:40:43,820
+ما هو من مقتضيات الشركة أن يكون الشريك مالكًا للحصة
+
+386
+00:40:43,820 --> 00:40:52,410
+ملكًا تمامًا، وهذا نفس المعنى الأول يا إخوة، بمعنى..
+
+387
+00:40:52,410 --> 00:40:56,950
+لأنه فيه فرق بين أن يكون البنك يمتلك حصته
+
+388
+00:40:56,950 --> 00:41:04,120
+وبالتالي يتحمل ما يقع، وبين أن يكون دائنًا، وأنا
+
+389
+00:41:04,120 --> 00:41:08,780
+ماليش دعوة في المشروع تبعك، مش مالك، أنا أخدت تمويل
+
+390
+00:41:08,
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/xmzDvNME9g4.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/xmzDvNME9g4.srt
new file mode 100644
index 0000000000000000000000000000000000000000..8c7646eae5e6bd53dad05ac8ffde6b2b4fbed11f
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/xmzDvNME9g4.srt
@@ -0,0 +1,1328 @@
+
+1
+00:00:20,700 --> 00:00:25,980
+الصلاة والسلام على رسول الله وعلى آله وصحبه ومن
+
+2
+00:00:25,980 --> 00:00:31,400
+اهتدى بهديه واستنى بسنته إلى يوم الدين اللهم إننا
+
+3
+00:00:31,400 --> 00:00:36,680
+نسألك الهدى والتقى والعفافَ والغنى وأن تعلمنا ما
+
+4
+00:00:36,680 --> 00:00:41,020
+ينفعنا وأن تنفعنا بما علمتنا يا رب العالمين وبعد
+
+5
+00:00:41,020 --> 00:00:49,650
+مواصلة حديثنا حول الخلوات أو بدل الخلوات كنا في
+
+6
+00:00:49,650 --> 00:00:57,590
+المحاضرة السابقة قد بدأنا نتحدث عن الخلوات أو
+
+7
+00:00:57,590 --> 00:01:03,150
+الخلوات من حيث تعريفها لغةً واصطلاحًا
+
+8
+00:01:04,090 --> 00:01:11,670
+وعرفناها، ومفهومها بشكل عام الدارج، وقلنا بأن
+
+9
+00:01:11,670 --> 00:01:21,890
+الخلو أو بدل الخلو أمرٌ أصبح دارجًا معروفًا لدينا أو
+
+10
+00:01:21,890 --> 00:01:27,950
+في مجتمعنا، بل في معظم مجتمعاتنا، لم يعد شيئًا غريبًا
+
+11
+00:01:29,350 --> 00:01:35,130
+كثيرًا ما نسمع بأن هذا الإنسان عندما خرج أو عندما
+
+12
+00:01:35,130 --> 00:01:40,510
+ترك محله المستأجر أخذ مبلغًا من المال من المؤجر
+
+13
+00:01:40,510 --> 00:01:49,030
+والعكس كذلك، كثيرًا ما نسمع أن المال، كعندما أجر محله
+
+14
+00:01:51,030 --> 00:01:57,270
+فإنه أخذ مقدمًا، ما نسميه اليوم ربما مقدمًا، مبلغًا من
+
+15
+00:01:57,270 --> 00:02:04,090
+المال، خلوًا قبل تأجيره، أو مبلغًا سواء الأجرة
+
+16
+00:02:07,440 --> 00:02:13,420
+هذا أصبح شائعًا ومعهودًا، لكن حقيقةً تُقفر التساؤلات
+
+17
+00:02:13,420 --> 00:02:19,880
+عن مدى مشروعية هذا المبلغ الذي يأخذه المالك أو
+
+18
+00:02:19,880 --> 00:02:25,000
+الذي يأخذه المستأجر من المالك، أو الذي يأخذه
+
+19
+00:02:25,000 --> 00:02:31,650
+المستأجر من مستأجر آخر، يتساءل الناس ما مدى مشروعية
+
+20
+00:02:31,650 --> 00:02:36,790
+هذا، قلنا بأنه... بأن هذه المسألة إلى حد ما تُعتبر
+
+21
+00:02:36,790 --> 00:02:43,050
+مسألة معاصرة، وإن كانت يعني جذورها تعود إلى نحو
+
+22
+00:02:43,050 --> 00:02:48,830
+أربعة قرون سابقة، حيث بدأ السلطان الغوري، كما قلنا
+
+23
+00:02:48,830 --> 00:02:54,010
+ببناء بعض الدكاكين أو بعض الحوانيت، لكنه قبل أن
+
+24
+00:02:54,010 --> 00:03:01,350
+يؤجرها أو يُكريها للأهل المستأجرين طلب منهم أن يدفعوا
+
+25
+00:03:01,350 --> 00:03:08,510
+مبلغًا من المال، وعرفنا يعني أن ثمة أن العلماء في
+
+26
+00:03:08,510 --> 00:03:16,110
+وقتها، قبل قرون مضت، كيف كَيَّفوا هذا الفعل، لأن هذا الفعل
+
+27
+00:03:16,110 --> 00:03:21,910
+حقيقةً ليس هو بالإيجارة المتمحِّضة الخالصة، يعني، ليس
+
+28
+00:03:21,910 --> 00:03:27,590
+إيجارًا بكل معانيه، وليس بيعًا بكل معانيه، ليس تملكًا،
+
+29
+00:03:27,590 --> 00:03:31,610
+البيع اقتضت تملكًا مطلقًا والتصرف المطلق، بما في ذلك
+
+30
+00:03:31,610 --> 00:03:40,230
+بيع العقار نفسه، والإيجار يعني يقتضي أنه بمجرد
+
+31
+00:03:40,230 --> 00:03:46,990
+انتهاء مدة الإيجار يخرجه دون أن يطالب بشيء، والمال
+
+32
+00:03:46,990 --> 00:03:52,930
+يُؤجر دون أن يطالب قبل ذلك بشيء، وأن الإيجار مدة
+
+33
+00:03:52,930 --> 00:03:56,270
+مؤقتة
+
+34
+00:03:56,270 --> 00:04:01,800
+اللهم صلِّ على سيدنا محمد، فهذا يعني هذه صيغة جديدة
+
+35
+00:04:01,800 --> 00:04:08,580
+ربما حقيقةً نظر فيها الفقهاء ووجدوا لها تكييفًا ربما
+
+36
+00:04:08,580 --> 00:04:14,520
+نحاول أن نفصله في ثانية الصور، لكن في الجملة كان
+
+37
+00:04:14,520 --> 00:04:22,510
+هناك إقرارٌ من قبل العلماء لجواز مثل هذه المعاملات
+
+38
+00:04:22,510 --> 00:04:27,590
+وإقرارٌ بمُشروعية أخذ هذا البدل المالي، بغض
+
+39
+00:04:27,590 --> 00:04:32,610
+النظر عن تسميته، بغض النظر عن أيش تسميته، خلوة، مقدم،
+
+40
+00:04:32,610 --> 00:04:39,330
+إيجار، يمثل
+
+41
+00:04:39,330 --> 00:04:43,600
+جزءًا من شراء المنفعة أو غير ذلك، يعني كثيرٌ من
+
+42
+00:04:43,600 --> 00:04:49,440
+المتأخرين من العلماء في ذلك الوقت قالوا بهذا، و
+
+43
+00:04:49,440 --> 00:04:57,280
+أجازوه، و سار على هذا المسار العلماء المعاصرون، لكن
+
+44
+00:04:57,280 --> 00:05:03,680
+يا إخوان، حقيقةً يعني أمر الخلوات لم يعد متوقفًا، يعني
+
+45
+00:05:03,680 --> 00:05:09,960
+أمر الخلوات أول ما نشأ، كما قلنا، نشأ من طرف الحكومة
+
+46
+00:05:10,280 --> 00:05:16,460
+أو بناء الحكومة للدكاكين أو للحوانيت أو الأوقاف
+
+47
+00:05:16,460 --> 00:05:22,760
+أو الجهات العامة، لم يعد هذا الأمر متوقفًا عند هذه
+
+48
+00:05:22,760 --> 00:05:28,260
+الصور أو عند هذه الجهات، بل أصبح أمر الخلوات شائعًا
+
+49
+00:05:28,260 --> 00:05:31,580
+سواء فيما يتعلق بالملكيات العامة أو بالملكيات
+
+50
+00:05:31,580 --> 00:05:36,390
+الخاصة، أصبحنا نرى اليوم شخصًا يتأجر من شخص
+
+51
+00:05:36,390 --> 00:05:39,790
+خاص، ليس من الأوقاف، وليس من الحكومة، وليس من
+
+52
+00:05:39,790 --> 00:05:43,870
+البلدية، وبعد نحو عشر سنين أو عشرين عامًا بيطالبه، و
+
+53
+00:05:43,870 --> 00:05:47,590
+بيخلّيه، مع أنه فرد، فينطبق الواحد على هذا على كل
+
+54
+00:05:47,590 --> 00:05:55,490
+الأحوال، يعني من جملة ما خرجنا، أو من جملة هذه
+
+55
+00:05:55,490 --> 00:06:03,920
+النتائج التي تحدثنا فيها الماضية، خرجنا بأن المقصود
+
+56
+00:06:03,920 --> 00:06:10,240
+بالخلو هو عبارة عن تنازل صاحب المنفعة، تنازل صاحب
+
+57
+00:06:10,240 --> 00:06:15,900
+المنفعة، بغض النظر عن كونه مالكًا أو مستأجرًا،
+
+58
+00:06:15,900 --> 00:06:23,740
+تنازله عن العقار مقابل مبلغ من المال، مما سوى
+
+59
+00:06:23,740 --> 00:06:29,370
+الأجرة، يتنازل صاحب المنفعة، مالكًا كان أو مستأجرًا، عن
+
+60
+00:06:29,370 --> 00:06:35,410
+العقار الذي كان يملك الانتفاع به مقابل مبلغ من
+
+61
+00:06:35,410 --> 00:06:43,640
+المال غير الأجرة، هذه هي الفكرة، هذه هي حقيقة بدل
+
+62
+00:06:43,640 --> 00:06:49,820
+الخلو في نظر، وربما عُبر عنه بتعبيرات أو بتعريفات
+
+63
+00:06:49,820 --> 00:06:53,940
+متعددة تدور حول هذه الفكرة، حول هذا المفهوم، أن
+
+64
+00:06:53,940 --> 00:06:59,840
+يتنازل صاحب المنفعة، مستأجرًا كان أو المنفعة للعقار
+
+65
+00:06:59,840 --> 00:07:04,140
+مستأجرًا كان أو مالكًا، عن هذه المنفعة، أن يخليها،
+
+66
+00:07:04,140 --> 00:07:11,310
+يتركها لغيره، من غير الأجرة، مما سوى الأجرة، هذه
+
+67
+00:07:11,310 --> 00:07:18,360
+هي... هذا هو الخلو، هذا الخلو، ما مدى مشروعيتُه؟
+
+68
+00:07:18,360 --> 00:07:23,080
+قلنا من خلال حديثنا أن ثمة ثلاث صور، كررناها
+
+69
+00:07:23,080 --> 00:07:28,040
+دائمًا، إما أن يكون الآخذ لهذا الخلو أو لبدل الخلو،
+
+70
+00:07:28,040 --> 00:07:33,120
+أحيانًا يا إخوان نعبر عن الخلو، يعني والمقصود، عن
+
+71
+00:07:33,120 --> 00:07:37,100
+المال نفسه، المأخوذ، وأحيانًا على العملية كلها، ده
+
+72
+00:07:37,100 --> 00:07:41,860
+بس يعني، مفهوم، أخذ الخلو أو بدل الخلو، المالك، هذه
+
+73
+00:07:41,860 --> 00:07:46,400
+صورة، وصورة أخرى، يعني أحيانًا الذي يأخذ بدل الخلو هو
+
+74
+00:07:46,400 --> 00:07:52,580
+المستأجر، أي من المالك، وأحيانًا أيضًا المستأجر، ولكن
+
+75
+00:07:52,580 --> 00:07:58,340
+من مستأجر آخر، فهذه ثلاث صور، يعني تحتاج إلى وقفات
+
+76
+00:07:58,340 --> 00:08:04,550
+لبيان موقف الشريعة أو الحكم الشرعي في كل صورةٍ من
+
+77
+00:08:04,550 --> 00:08:09,030
+هذه الصور، دعونا نبدأ بالصورة الأولى، وهي
+
+78
+00:08:09,030 --> 00:08:18,950
+صورة أخذ المالك لبدل الخلو من، طبعًا من المستأجر
+
+79
+00:08:18,950 --> 00:08:25,390
+قلنا
+
+80
+00:08:25,390 --> 00:08:35,550
+بأن العملية في صورتها الظاهرة هي إيجار، يعني سواء
+
+81
+00:08:35,550 --> 00:08:42,070
+حتى منذ أن بدأت تاريخيًا، عملية أخذ المال من أيام
+
+82
+00:08:42,070 --> 00:08:48,270
+يعني، المالية، وإلى يومنا هذا، المالك عندما يريد أن
+
+83
+00:08:48,270 --> 00:08:54,330
+يأخذ مالًا، يأخذ هذا المال من مستأجر، لأنه لا يأخذه
+
+84
+00:08:56,700 --> 00:09:02,580
+مقابل بيع، لا يأخذه مقابل بيع، رغم أن المبلغ قد يكون
+
+85
+00:09:02,580 --> 00:09:08,640
+كبيرًا، لكن هو ما بيبيع، هو بيأخذ المال، ثم يؤجره، ثم
+
+86
+00:09:08,640 --> 00:09:13,880
+يؤجره، وهنا تظهر الحاجة إلى بيان الحكم، كيف يستقيم
+
+87
+00:09:13,880 --> 00:09:20,860
+هذا، كيف أخذ مبلغ من المال مما سوى الإيجار، أليس
+
+88
+00:09:20,860 --> 00:09:25,240
+هذا ظلمًا؟ ربما، أليس هذا مخالفًا للشريعة والحكم
+
+89
+00:09:25,240 --> 00:09:32,520
+الشريعي؟ دعونا نرى الآن الحكم يا إخوان في أخذ
+
+90
+00:09:32,520 --> 00:09:36,300
+المالك للخلو من المستأجر
+
+91
+00:09:39,970 --> 00:09:47,790
+يَظهر لنا من خلال السبب، أو تتبين لنا حقيقته من
+
+92
+00:09:47,790 --> 00:09:54,210
+خلال طبيعة السبب الذي يرجع إليه الأخذ، لماذا أخذ؟
+
+93
+00:09:54,210 --> 00:09:59,750
+لماذا طالب بالأخذ؟ طالب أو أخذ؟ ما هو السبب؟ إحنا
+
+94
+00:09:59,750 --> 00:10:02,670
+عارفين يا إخوان دائمًا أن الأحكام الشرعية مربوطة
+
+95
+00:10:02,670 --> 00:10:07,050
+بعلل، مربوطة بأسباب، حتى أن القاعدة الشرعية: الحكم
+
+96
+00:10:07,050 --> 00:10:12,710
+يدور مع العلة، مع العلة وجودًا وعدمًا، إذا وجدت
+
+97
+00:10:12,710 --> 00:10:17,130
+العلة التي تقتضي وجود الحكم، كان الحكم، إذا انتفت
+
+98
+00:10:17,130 --> 00:10:21,210
+العلة أو انتفت السبب، لم يعد هناك حكم، إذا كانت
+
+99
+00:10:21,210 --> 00:10:25,310
+العلة تقتضي الجواز، يعني فبهًا ونعمة، إذا انتفت
+
+100
+00:10:25,310 --> 00:10:29,590
+العلة، لم يبقَ الحكم جائزًا، إذا يختلف الحكم، جوازًا
+
+101
+00:10:29,590 --> 00:10:35,490
+وإباحة وحرمة وكراهة باختلاف السبب، ولذلك إحنا هنا
+
+102
+00:10:35,490 --> 00:10:42,350
+بنركز على السبب، لأن معرفة السبب مرتبطة بها معرفة
+
+103
+00:10:42,350 --> 00:10:46,730
+الحكم، إحنا عايزين نعرف الحكم، دفع الأجرة، دفع
+
+104
+00:10:46,730 --> 00:10:50,650
+المبلغ هذا، أو أخذ المال، حلال ولا حرام، جائز ولا مش
+
+105
+00:10:50,650 --> 00:10:56,170
+جائز، بنشوف السبب، مش المسألة هيك عشوائية، خطّ عشوائي،
+
+106
+00:10:56,170 --> 00:10:59,410
+أقول: الله لا يجوز لك على طول، ما فيش، إحنا في
+
+107
+00:10:59,410 --> 00:11:02,530
+الشريعة يجوز ولا يجوز بدون... يعني خاصة في
+
+108
+00:11:02,530 --> 00:11:05,830
+المعاملات، يمكن أقول يجوز ولا يجوز في العبادات
+
+109
+00:11:05,830 --> 00:11:12,250
+بدون معرفة، معليش، لأن العبادات غير معللة، لكن في
+
+110
+00:11:12,250 --> 00:11:16,650
+المعاملات يا سيدي، لازم الأحكام تكون مرتبطة
+
+111
+00:11:16,650 --> 00:11:19,710
+بأسبابها، و فاكرين في المحاضرة الأولى ربما أو
+
+112
+00:11:19,710 --> 00:11:24,150
+الثانية، عندما تحدثنا عن خصائص المعاملات، وهو يأتي
+
+113
+00:11:24,150 --> 00:11:29,330
+يعني الكلام وأهميته، قلنا بأن من خصائص المعاملات
+
+114
+00:11:29,330 --> 00:11:35,630
+أنها تراعي العلل والمصالح، فاكرين؟ العلل والأسباب،
+
+115
+00:11:35,630 --> 00:11:42,520
+الحكم فيها يرعى العلل والأسباب، طيب دعونا نرى، هناك
+
+116
+00:11:42,520 --> 00:11:48,360
+أسبابٌ عديدة تدفع المالك، تدفع
+
+117
+00:11:48,360 --> 00:11:54,420
+المالك إلى إيه؟ إلى أخذ أو المطالبة بأخذ بدل
+
+118
+00:11:54,420 --> 00:12:01,280
+الخلو، بناءً على السبب نستطيع أن نقرّر الحكم، الأسباب
+
+119
+00:12:01,280 --> 00:12:09,400
+تختلف، قد يكون السبب هو ما قام به المالك، خلّي بالكم،
+
+120
+00:12:09,400 --> 00:12:14,720
+أنا صاحب المحل، لسه ولم يسبق لي أن أجرته مثلًا، يعني
+
+121
+00:12:14,720 --> 00:12:19,040
+أو حتى لو أجرته، المهم اليوم أنا، اليوم في حيازتي
+
+122
+00:12:19,040 --> 00:12:23,720
+أنا يا صاحب المحل، وهذا المحل كنت أنا قد اشتغلت
+
+123
+00:12:23,720 --> 00:12:32,930
+فيه، حتى أصبح له شهرة بين الناس، وأصبح له زبائن، و
+
+124
+00:12:32,930 --> 00:12:37,490
+أصبح له عنوان، إحنا قلنا زمان، أو مش زمان، زمان يعني
+
+125
+00:12:37,490 --> 00:12:41,630
+المرة اللي فاتت أو اللي قبلها، أن هذا يدخل في حقوق
+
+126
+00:12:41,630 --> 00:12:47,410
+الابتكار، ولا لا؟ صار كأنه اسم تجاري، من أنواع، إحنا
+
+127
+00:12:47,410 --> 00:12:54,090
+قلنا من مضامين الاسم التجاري، الشهرة، صح، الشهرة، وهذه
+
+128
+00:12:54,090 --> 00:13:00,750
+الشهرة لم تأتِ من فراغ، لم تأتِ مجانًا، وإنما جاءت
+
+129
+00:13:00,750 --> 00:13:09,070
+بعد جهد ووقت وربما بذل مال، فاستحق صاحبها بدلًا عنها
+
+130
+00:13:09,070 --> 00:13:15,250
+بدلًا ماليًا، ولذلك لو إنه كان السبب هو الشهرة التي
+
+131
+00:13:15,250 --> 00:13:22,100
+حققها المحل قبل ذلك، ومع إنه يعني أجرة المحل بشكل
+
+132
+00:13:22,100 --> 00:13:26,220
+طبيعي، أجرة المحل بشكل طبيعي خمسين دينارًا اللي زيه،
+
+133
+00:13:26,220 --> 00:13:30,120
+لكن هو لأنه فيه شهرة، ومش عايز يزيد على الأجرة،
+
+134
+00:13:30,120 --> 00:13:34,120
+الأجرة هي هي، خمسين دينارًا، لكن يا عمي هذا المحل
+
+135
+00:13:34,120 --> 00:13:37,420
+أنت لو لولا الشهرة هذه، بدك تقول سنتين ثلاث لما
+
+136
+00:13:37,420 --> 00:13:42,620
+تصير عليه رجل، أنا مقابل هذا ريحتك، لكن أنا تعبت، و
+
+137
+00:13:42,620 --> 00:13:47,260
+أنا خسرت، وأنا اجتهدت، أليس من حقي أن آخذه بدلًا؟
+
+138
+00:13:47,260 --> 00:13:53,080
+أنا بدي 2000 دينار بدلًا، عشان أنا يعني أسلمك المحل، و
+
+139
+00:13:53,080 --> 00:13:57,240
+بعد هيك تتأجره بشكل طبيعي، وهنا يا إخوان لو لاحظتم
+
+140
+00:13:57,240 --> 00:14:04,680
+ستكون الأجرة عادية، ولا تنقصه من القدر العادي من
+
+141
+00:14:04,680 --> 00:14:09,120
+أجرة المثل، أجرة عادية، هو اللي أخذه، أخذ إيه؟
+
+142
+00:14:09,120 --> 00:14:15,880
+مقابل الشهرة، مقابل ما اجتهد حتى وصل فيه، حتى وصل
+
+143
+00:14:15,880 --> 00:14:21,540
+إلى الشهرة، أخذه، وبعدين بعد هيك...
+
+144
+00:14:21,540 --> 00:14:21,960
+اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه
+
+145
+00:14:21,960 --> 00:14:22,060
+اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه
+
+146
+00:14:22,060 --> 00:14:23,060
+اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه
+
+147
+00:14:23,060 --> 00:14:23,080
+اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه
+
+148
+00:14:23,080 --> 00:14:29,960
+اه اه اه اه اه اه اه اه اه
+
+149
+00:14:29,960 --> 00:14:31,400
+اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه
+
+150
+00:14:31,400 --> 00:14:34,860
+اه اه اه اه اه اه
+
+151
+00:14:34,860 --> 00:14:42,120
+اه اه
+
+152
+00:14:42,120 --> 00:14:49,940
+لكنها... لكنها قد... لكنها ليست مالًا بالمعنى
+
+153
+00:14:49,940 --> 00:14:56,920
+الحقيقي، هذه من جهة... وليست مالًا مضمونًا، خد بالك...
+
+154
+00:14:56,920 --> 00:15:04,700
+ولذلك في شروط الذكاء، الملك التام... التام، مملوك
+
+155
+00:15:04,700 --> 00:15:09,480
+بحيث تستطيع أن تتصرف فيه كيف تشاء، لكن هذا... هذا
+
+156
+00:15:09,480 --> 00:15:14,480
+حتى الشهرة هذه قد لا تجد بعد فترة ما... ما يشتريها
+
+157
+00:15:14,480 --> 00:15:19,700
+منك، قد تتغير الظروف، وقد لا تساوي مالًا في لحظة من
+
+158
+00:15:19,700 --> 00:15:24,640
+اللحظات، مرت فترة حرب، مرت، تغيّرت المنطقة، اه صارت
+
+159
+00:15:24,640 --> 00:15:29,940
+منطقة، انتقلت مركز المدينة من هذا المكان، تتغير، إذا
+
+160
+00:15:29,940 --> 00:15:35,330
+مالًا يتحول، لكن بعد ما تبيعها وتقبل ثمنها والحول
+
+161
+00:15:35,330 --> 00:15:42,150
+عليها، الحول يجب فيها الذكاء، أحسن، نعم،
+
+162
+00:15:42,150 --> 00:15:45,290
+نعم،
+
+163
+00:15:45,290 --> 00:15:49,970
+نعم، نعم، نعم
+
+164
+00:15:53,720 --> 00:15:57,200
+هل الحين لازم... هذا طبعًا هذه الصورة الثانية، هذا
+
+165
+00:15:57,200 --> 00:16:00,920
+بالنسبة للمستأجر، هل للمستأجر أن يطالب المالك في
+
+166
+00:16:00,920 --> 00:16:06,080
+هذه الحالة أن يخرجه؟ لأ، يعني لا تستعجل، هذا
+
+167
+00:16:06,080 --> 00:16:10,580
+سنجيبه عليه، لكن إحنا الآن نتحدث عن الصورة
+
+168
+00:16:10,580 --> 00:16:16,320
+المتعلقة بأخذ المالك، إحنا قلنا الخلو لا يقتصر، وإن
+
+169
+00:16:16,320 --> 00:16:21,390
+كان هذا المشهور، لكنه لا يقتصر على
+
+223
+00:21:13,530 --> 00:21:18,410
+معي وله الحق الكامل في.. لأن أنا الذي أملك السلطة
+
+224
+00:21:18,410 --> 00:21:21,970
+الأصل الكامل عليه، فبالحق يعني.. يعني زي اللي
+
+225
+00:21:21,970 --> 00:21:27,550
+برواح ببيع.. ببيع محله.. لو يعني.. انظروا.. لو
+
+226
+00:21:27,550 --> 00:21:33,140
+قرأ ده شخص أن يبيع المحل ب.. ب.. ب.. بمبلغ كيش
+
+227
+00:21:33,140 --> 00:21:38,360
+معجل كامل، هل في ذلك شيء؟ لا شيء لو باعه بالتقسيط
+
+228
+00:21:38,360 --> 00:21:44,060
+هل في ذلك شيء؟ باعوه بمئة ألف دينار، المحل هاي خمسين
+
+229
+00:21:44,060 --> 00:21:48,520
+والخمسين مجسّطة، ما فيش مشكلة، كذلك في مسألة التأجير
+
+230
+00:21:48,520 --> 00:21:55,060
+يعني كأنها صارت هذا المقدم، هذا الخلوة كأنه جزء من
+
+231
+00:21:55,060 --> 00:22:03,140
+الإيجار، لكن جزء إيش؟ يعني مجمع ويدفع مرة واحدة
+
+232
+00:22:03,140 --> 00:22:10,400
+مقدمًا، أو إن لم نعتبره جزءًا من الإيجار، يعني قد نكيفه
+
+233
+00:22:10,400 --> 00:22:16,200
+على أساس نوع من شراء المنفعة، شراء المنفعة والذي
+
+234
+00:22:16,200 --> 00:22:22,240
+ترتب عليه تخفيض سعر الإيجار في هذا المحل، الشاهد يا
+
+235
+00:22:22,240 --> 00:22:27,010
+إخوة، إنه إذا كان السبب يرجع إلى شهرة المحل أو قيمة
+
+236
+00:22:27,010 --> 00:22:32,310
+الموقع، فلا بأس في أن يأخذ المالك يعني بدلًا
+
+237
+00:22:32,310 --> 00:22:37,670
+للإيجار، أقول لكم حتى لو لم يكن يا إخوة، حتى لو لم
+
+238
+00:22:37,670 --> 00:22:41,250
+يكن، أنا بالمناسبة وإن كان هذا الكلام سيكون متأخرًا
+
+239
+00:22:41,250 --> 00:22:45,090
+لكن أنا بدي أقول لكم إياه من بدري، حتى لو لم يكن ثمة
+
+240
+00:22:45,090 --> 00:22:53,700
+سبب، في وجود شهرة المحل، إذا اتفق الطرفان على صيغة
+
+241
+00:22:53,700 --> 00:23:02,240
+معينة، من صيغة دفع تقسيطًا أو كيش أو مقدمًا، فليتفقا
+
+242
+00:23:03,160 --> 00:23:10,020
+ما لم يكن في ذلك يعني غشًّا أو ربا أو إلى غير ذلك، أنا
+
+243
+00:23:10,020 --> 00:23:15,800
+صاحب المحل، ما حدش يقدر يجبرني إني أجره بسعر معين أو
+
+244
+00:23:15,800 --> 00:23:21,420
+يجبرني إني أجره
+
+245
+00:23:21,420 --> 00:23:26,480
+سنويًا أو شهريًا، أنا كيفي هنا، هذا محلي، ليّ حق خالص وكامل
+
+246
+00:23:26,700 --> 00:23:32,080
+التسلط عليه والحق في التصرف فيه، أنا الآن بدي أجّر
+
+247
+00:23:32,080 --> 00:23:36,160
+بالطبيعي، اللي بياخذهُ سهل، واللي ما بياخذهوش حرم،
+
+248
+00:23:36,160 --> 00:23:40,080
+يعني هذا سوق، تأجره من غيري، يعني أنا أقول فما
+
+249
+00:23:40,080 --> 00:23:45,980
+بقول لكم، عندما يكون ثمة شهرة أو قيمة، فالمؤجّر يكون
+
+250
+00:23:45,980 --> 00:23:50,710
+أقوى، أنا أقول حتى لو لم يكن ثمة سبب، فالسبب
+
+251
+00:23:50,710 --> 00:23:57,010
+الرئيسي في حقه في المطالبة ببدل الخلوة هو التملك
+
+252
+00:23:57,010 --> 00:24:03,930
+نفسه، هو التملك نفسه، يعني كونك تملك هذا المحل أو
+
+253
+00:24:03,930 --> 00:24:11,270
+هذا العقار، أنت صاحب حق في أن تؤجره كيفما تشاء، من
+
+254
+00:24:11,270 --> 00:24:16,650
+ناحية تأخذ مقدمًا وبعدين تقسط، في أن تبيعه كيفما تشاء
+
+255
+00:24:16,650 --> 00:24:21,550
+أليس كذلك؟ هذا هو، يعني ما لم يكن طبعًا في حدود في
+
+256
+00:24:21,550 --> 00:24:25,810
+الآخر، يعني استغلالًا، احتكارًا، غشًا، يعني القواعد
+
+257
+00:24:25,810 --> 00:24:33,810
+العامة، لكن في حدود يعني المعروف وفي حدود أجرة
+
+258
+00:24:33,810 --> 00:24:39,410
+أو ثمن المثل، لا لا بس مسألة التقسيطات والتكييفات
+
+259
+00:24:39,410 --> 00:24:44,330
+يعني إحنا الآن، زمان كانوا عندما يريدون أن يتزوجوا
+
+260
+00:24:44,330 --> 00:24:49,520
+ما فيش حاجة اسمها مقدم ومؤخر في الزواج، خلاص، المهر
+
+261
+00:24:49,520 --> 00:24:53,540
+يدفعوه، والمهر حاجة بسيطة، دنانير معدودة، يعني
+
+262
+00:24:53,540 --> 00:24:57,320
+وربما يعني قد يكونوا خاتمان من حديد، الرسول صلى
+
+263
+00:24:57,320 --> 00:25:00,540
+الله عليه وسلم يقول: "التمس خاتمين من حديد" الرسول
+
+264
+00:25:00,540 --> 00:25:03,120
+صلى الله عليه وسلم يقول: "زوجتك بما تحفظ من القرآن"
+
+265
+00:25:03,120 --> 00:25:08,560
+تيسير بأمور الزواج اليوم، أكدوا الأمور، مقدم، مؤخر،
+
+266
+00:25:08,560 --> 00:25:19,170
+عفش بيته وخراب بيته، يعني الله يساعدكم يا ربّي..
+
+267
+00:25:19,170 --> 00:25:24,370
+لكن.. لكن.. لكن.. هل يستطيع أن يقول أحدٌ أن
+
+268
+00:25:24,370 --> 00:25:31,610
+هذا حرام؟ إنه أنت تذهب وتوافق بكلّ.. بكم قواك
+
+269
+00:25:31,610 --> 00:25:35,930
+العقلية؟ خمسة آلاف بتأخير أكتب؟ خمسة آلاف عفش بيت
+
+270
+00:25:35,930 --> 00:25:43,950
+أكتب؟ خمسة آلاف مقدم كذلك؟ ما يهمك؟ أنت رضيت؟ خلاص؟
+
+271
+00:25:43,950 --> 00:25:48,520
+وسعر المجموع خمسة عشر ألف دينار؟ المهر ده هو
+
+272
+00:25:48,520 --> 00:25:54,300
+بالك ولو صار كهّنيماني بعد هيك يعني بدك تدفعي على
+
+273
+00:25:54,300 --> 00:26:03,520
+جرش ينطح جرش، ف.. فقضيتهم على ذلك صحيح، يعني ربما
+
+274
+00:26:03,520 --> 00:26:07,400
+يكون ذلك ينتقل إلى درجة الكراهة إن كان في ذلك عندك
+
+275
+00:26:07,400 --> 00:26:10,420
+لكن أنا بخير والحمد لله وقادر أدفع الـ15 ألف يعني
+
+276
+00:26:12,850 --> 00:26:16,810
+ولو أتيتم إحداهما نقيم طهارة، ربنا يقول، وفاكرين
+
+277
+00:26:16,810 --> 00:26:21,430
+قصة المرأة اللي وقفت لعمر في يوم من الأيام؟ عندما
+
+278
+00:26:21,430 --> 00:26:26,510
+أراد أن إيه؟ يعني يحدد المهور، دلوقت لوين يا عمر؟
+
+279
+00:26:26,510 --> 00:26:33,170
+يعطينا الله، وتمنعنا يا عمر؟ فكان عمر رضي الله عن
+
+280
+00:26:33,170 --> 00:26:39,930
+عمر، أخطأ عمر يا سيدي، وأصابت امرأة، لا يضير عمر أن
+
+281
+00:26:39,930 --> 00:26:47,630
+يعترف بخطئه، وهذا من عظيم فضله ومن قوة شخصيته ومن
+
+282
+00:26:47,630 --> 00:26:54,030
+قوة إيمانه، لا بأس في ذلك، نعود، إذا كَيّفتُ أنتَ
+
+283
+00:26:54,030 --> 00:26:59,630
+على القصة هذه؟ إذا إذا كان السبب يرجع إلى شهرة
+
+284
+00:26:59,630 --> 00:27:05,110
+المحل وقيمة الموقع فلا بأس في ذلك، طيب، كذلك يعني
+
+285
+00:27:05,110 --> 00:27:09,470
+الآن سبب آخر، قد يكون السبب كما قلت هو الشهرة
+
+286
+00:27:09,470 --> 00:27:15,410
+والموقع، ولكن قد يكون السبب هو حاجة المالك، حاجة
+
+287
+00:27:15,410 --> 00:27:21,530
+لإيش؟ حاجة للمال، الشيء لو بده يأجر شهري عادي مئة
+
+288
+00:27:21,530 --> 00:27:25,150
+دينار، مئة دينار، وعنده قدامه مشروع معين بده سنتين
+
+289
+00:27:25,150 --> 00:27:29,710
+ثلاثة لما يحوشها ويمكن يصرفها في الهواء كل شهر مئة
+
+290
+00:27:29,710 --> 00:27:35,050
+دينار ولا مئتين دينار، يعني أول بول فجأة قال لك: طَب أنا
+
+291
+00:27:35,050 --> 00:27:38,410
+في قدامي مشروع، أنا هي عندي محل، أنا لو أخدت منه
+
+292
+00:27:38,410 --> 00:27:43,430
+مقدم ألفين، ثلاثة، أقدر أعمل كمان مع الـ.. مع
+
+293
+00:27:43,430 --> 00:27:50,700
+الجريشين اللي معايا، حاجة للمالك للمال من أجل البناء
+
+294
+00:27:50,700 --> 00:27:57,520
+وقد يكون بناء محلات أخرى للاستثمار، وقد يكون المحل
+
+295
+00:27:57,520 --> 00:28:01,920
+نفسه لسة في الهواء، يعني من أجل بناء المحل الذي
+
+296
+00:28:01,920 --> 00:28:07,770
+يريده أن يؤجّره، زي ما بتعمل أحيانًا بعض المؤسسات أو
+
+297
+00:28:07,770 --> 00:28:12,770
+البلديات، جامل، ما تبني مشروع، بيكون المخطط
+
+298
+00:28:12,770 --> 00:28:17,870
+الهندسي موجود وكل واحد بده محل أو نمرة معينة بيدفع
+
+299
+00:28:17,870 --> 00:28:22,890
+المبلغ المتفق عليه، وبعد سنة زمان بتتم البناء طبعًا
+
+300
+00:28:22,890 --> 00:28:26,830
+بتتم البناء من خلال الفلوس الجمعة، وربما يضيفوا
+
+301
+00:28:26,830 --> 00:28:32,020
+عليها أشياء.. إذا حاجة المؤسّسين، المالك، أو حاجة
+
+302
+00:28:32,020 --> 00:28:38,460
+المالك إلى المال، تدفعه إلى المطالبة أو إلى أخذ هذا
+
+303
+00:28:38,460 --> 00:28:43,680
+البدل، وأيضًا كما قلنا، هذا اللبس فيه أيضًا لا إشكال
+
+304
+00:28:43,680 --> 00:28:50,300
+لأنك أنت المالك، أنا المالك الحقيقي لهذا المحل أو
+
+305
+00:28:50,300 --> 00:28:54,600
+لهذا الدكان أو لهذا العقار، ومن حقي أن أبيعه أو
+
+306
+00:28:54,600 --> 00:29:03,410
+أؤجّره بالهيئة وبالصفات التي.. وأنا برجع وبقول: وجدت
+
+307
+00:29:03,410 --> 00:29:07,970
+الحاجة، وحتى لو لم توجد الحاجة، لكن إحنا بنذكر هنا
+
+308
+00:29:07,970 --> 00:29:15,510
+الأسباب اللي غالبًا ما تكون إيه؟ دافعة للمالكين أن
+
+309
+00:29:15,510 --> 00:29:23,970
+يطالبوا بخلوات، بخلوة، لكن أنا أقول حتى لو لم يجد لو
+
+310
+00:29:23,970 --> 00:29:27,310
+يومًا كنت ثمة سبب من الأسباب هذه الموجودة أمامنا
+
+311
+00:29:27,310 --> 00:29:33,910
+وطالما هو يملك هذا العقار، من حقه أن يؤجره أو
+
+312
+00:29:33,910 --> 00:29:41,590
+أن يبيعه بالطريقة التي يريد، إذا ما وجد من يوافقه
+
+313
+00:29:41,590 --> 00:29:44,430
+على ذلك
+
+314
+00:29:49,710 --> 00:29:54,190
+إذا يا إخوة قد
+
+315
+00:29:54,190 --> 00:30:01,910
+يكون السبب هو حاجة المالك، في هذه الحالة يا إخوة
+
+316
+00:30:01,910 --> 00:30:08,770
+عندما يكون السبب هو الحاجة، يعني ماذا سيكون التكييف
+
+317
+00:30:08,770 --> 00:30:14,170
+لهذا المال؟ مشروع، مشروع، مشروع، لكن هل هو سيكون
+
+318
+00:30:14,170 --> 00:30:24,140
+هذا المال جزءًا من الأجرة؟ ولا يعني له توصيف آخر؟ هذا
+
+319
+00:30:24,140 --> 00:30:28,980
+المال جزء من الأجرة ولا له توصيف آخر؟ بعض العلماء
+
+320
+00:30:28,980 --> 00:30:33,780
+قالوا: هو جزء من الأجرة، يوصف أو يُكيّف على أنه، أو
+
+321
+00:30:33,780 --> 00:30:40,580
+كأنه جزء من الأجرة، بدليل أنه أنت في الحالة هذه إذا
+
+322
+00:30:40,580 --> 00:30:46,200
+الأجرة خمسين، أنت ما بتدفعش إلا عشرين، وكأن الأربع
+
+323
+00:30:46,200 --> 00:30:50,240
+خمسة آلاف أو الثلاثة آلاف اللي دفعتهم هم بتوزّع على
+
+324
+00:30:50,240 --> 00:30:58,020
+الشهور أو السنوات التي ستخضيها بعد ذلك في استئجارك
+
+325
+00:30:58,020 --> 00:31:04,800
+للمحل، فهي جزء، كأنه صار جزء مقدم، وهذا إن إذا
+
+326
+00:31:04,800 --> 00:31:11,340
+وصفناه بهذا التوصيف، هل يمنع على المؤجر أن يطالب، حتى
+
+327
+00:31:11,340 --> 00:31:15,800
+لو لم يكن خلوة، أن يطالب المستأجر بسنتين، ثلاثة في
+
+328
+00:31:15,800 --> 00:31:19,960
+أجرة مقدمة، السنة بألف دينار، قاله: والله أنا محتاج
+
+329
+00:31:19,960 --> 00:31:26,100
+وبدي ثلاث سنين، أولًا هو محتاج، ثانيًا عشان يضمن
+
+330
+00:31:26,100 --> 00:31:31,760
+التأجير، لأسباب، لحاجة في نفسي، عقوبة، فهل يمنع ذلك؟ و
+
+331
+00:31:31,760 --> 00:31:37,760
+كذلك الحال هنا، يعني إذا قد يكون، حتى لو.. يا
+
+332
+00:31:37,760 --> 00:31:43,800
+إخوة، إحنا برجع، دايما بقول: الأحكام الشرعية ليست
+
+333
+00:31:43,800 --> 00:31:50,040
+مرتبطة بتسميات، بمعنى
+
+334
+00:31:50,040 --> 00:31:56,900
+أنها مرتبطة بمعاني ومقاصد ومضامين، كلما وافقت هذه
+
+335
+00:31:56,900 --> 00:32:03,550
+المضامين وجهة الحق ووجهة الشرع كانت سائغة، الآن سمّي
+
+336
+00:32:03,550 --> 00:32:08,270
+ما شئت، سمّي.. يعني حتى لو لم تُعْتَبَرْ أجرة، مش أجرة،
+
+337
+00:32:08,270 --> 00:32:14,390
+منفعة، قلوب، إيش ما تسمّيها، المهم إنه هذه يعني في
+
+338
+00:32:14,390 --> 00:32:19,510
+الآخر هي يمكن أن تُكيّف على أنها بدل، لأن الواقع
+
+339
+00:32:19,510 --> 00:32:24,590
+بيحكي هيك، أنت هذا المحل اللي أنت أخدته ودفعته، دخله
+
+340
+00:32:24,590 --> 00:32:27,650
+باسمَه 100 دينار شهريًا، أنت عمال ما بتدفعش الـ
+
+341
+00:32:27,650 --> 00:32:35,220
+عشرين أو ثلاثين أو خمسين، فكأنه الجزء الأول، والبعض
+
+342
+00:32:35,220 --> 00:32:44,620
+كيّفوه على أنه شراء، شراء، لكن ليس شراء العقار، ولكن
+
+343
+00:32:44,620 --> 00:32:48,320
+شراء بيع منفعة، بيسمّوه بيع منفعة، بيع المنفعة يا
+
+344
+00:32:48,320 --> 00:32:54,930
+إخوة، زي.. زي البيع العادي، من حيثُ.. اه يعني حالة ده
+
+345
+00:32:54,930 --> 00:33:00,190
+يعني اه، سمّيها بين الانتفاع بالاستئجار، انتفاع
+
+346
+00:33:00,190 --> 00:33:08,050
+الاستئجار، انتفاع، والبيع تملك، وبيع المنفعة حالة بين
+
+347
+00:33:08,050 --> 00:33:13,590
+الحالتين، بيع المنفعة، لك الحق طبعًا أنت في أن تستقرّ
+
+348
+00:33:13,590 --> 00:33:23,690
+في أن تستقرّ في المتجر أو في المحل وتتصرف فيه وتؤجّره
+
+349
+00:33:23,690 --> 00:33:30,770
+لغيرك، تورّثه بعد وفاتك، وكل هذا لا يكون في الإيجارة
+
+350
+00:33:30,770 --> 00:33:35,670
+خلي بالك، في الإيجارة العادية ما بيكون فقط، أنت ما
+
+351
+00:33:35,670 --> 00:33:42,130
+بيصح لك تبيع العقار بيع كامل، لكن تبيع منفعته لغيرك
+
+352
+00:33:42,130 --> 00:33:50,210
+في الإيجار، أما في البيع العادي أوسع بحيث إنه يحق لك
+
+353
+00:33:50,210 --> 00:33:54,170
+كل هذا، كل ما يحق في بيع المنفعة يحق في البيع
+
+354
+00:33:54,170 --> 00:34:01,770
+العادي، زائد بيع العقار نفسه، رأس العقار، يحق لك، فهذا
+
+355
+00:34:01,770 --> 00:34:09,630
+كأنه اشترى، أو كأن المال بدل، يعني بدل شراء جزء من
+
+356
+00:34:09,630 --> 00:34:15,230
+المنفعة، جزء من المنفعة، وبالتالي كأن المحل أصبح
+
+357
+00:34:15,230 --> 00:34:22,330
+مشتركًا ليس في أصل ملكيته ولكن في منفعته، كأن المحل
+
+358
+00:34:22,330 --> 00:34:30,090
+بالمال الذي دفعه المستأجر للمالك، أصبحت
+
+359
+00:34:30,090 --> 00:34:35,110
+المنفعة مشتركة، يعني أنا دفعت 5000 دينار، صار لي
+
+360
+00:34:35,110 --> 00:34:40,790
+منفعة نصف المحل، طَب المحل والنصف الثاني استقلال مالك
+
+361
+00:34:40,790 --> 00:34:45,570
+لأن المحل باسمه، ضعف الثمن اللي دفعته، فإحنا لما
+
+362
+00:34:45,570 --> 00:34:50,090
+بنجي نؤجّره مثلًا مئة دينار، طَب أنا إيه؟ ليّ مالك
+
+363
+00:34:50,090 --> 00:34:59,820
+منفعة نصف، إذًا مش هدفع إلا خمسين، فصار إيش؟ على كلّ
+
+364
+00:34:59,820 --> 00:35:04,180
+الحال، وهي تشبه التأجير، يعني، فإذا ما كيّفناه على
+
+365
+00:35:04,180 --> 00:35:09,120
+أنه بيع منفعة، أو كيّفناه أو وصفناه على أنه استئجار
+
+366
+00:35:09,120 --> 00:35:15,580
+ففي كل الأحوال يعني تبقى الأمور جائزة، أو قال
+
+367
+00:35:15,580 --> 00:35:27,070
+العلماء بالمشروعية، وأجازوها، ويعني قاسوها على صورة
+
+368
+00:35:27,070 --> 00:35:31,810
+ما إذا لو إنه إنسان بدأ عمل مشروع يبنيله عمارة
+
+369
+00:35:31,810 --> 00:35:37,690
+مثلًا أو محلات أو.. ففي نص الطريق ما فيش مصاري ما
+
+370
+00:35:37,690 --> 00:35:49,870
+.. بالك، الأساس، والجسور، ومن برا، والتشطيب، وبده تكاليف، فراح
+
+371
+00:35:49,870 --> 00:35:55,130
+يعني إيه؟ التوافق مع جهة، مع شركة، مع فرد، قاله: إيش
+
+372
+00:35:55,130 --> 00:36:04,900
+رأيك؟ اه، كمل، كمل المشروع، مش بيع، مش مقابل وأجرك
+
+373
+00:36:04,900 --> 00:36:11,460
+يعني هذا المبنى لمدة عشر سنوات، بدل ما هذه السنة
+
+374
+00:36:11,460 --> 00:36:16,080
+بتكون مثلًا ب.. بألف دينار أو بألفين، النصف أو
+
+375
+00:36:16,080 --> 00:36:20,760
+الربع أو كذا أو إلى غير ذلك، فصار إيش؟ يعني هو كمل
+
+376
+00:36:20,760 --> 00:36:27,640
+المحل، كمل المحلات، ويعني صارت منفعة مشتركة، وبعد ذلك
+
+377
+00:36:27,640 --> 00:36:35,980
+أصبح يدفع له إيجارًا لكن منخفضًا، وبعد مدة معينة
+
+378
+00:36:35,980 --> 00:36:41,990
+يستطيع أن يسترد المالك يعني عقاره بعد المدة، بعد
+
+379
+00:36:41,990 --> 00:36:45,310
+انتهاء المدة المتفق عليها، هذا إذا كانت مدة مؤقتة
+
+380
+00:36:45,310 --> 00:36:48,290
+وقد تكون مدة مؤجلة كما يحدث في الأوقاف أو في
+
+381
+00:36:48,290 --> 00:36:54,550
+الحكومات، مدة ما بدون تحديد مدة، إذا وهذا في حد ذاته
+
+382
+00:36:54,550 --> 00:36:59,090
+يعني، قُهْرُ العلماء بجوازه، والصورة اللي شفناها أشبه
+
+383
+00:36:59,090 --> 00:37:04,970
+بهذه، أخيرًا يا إخوة، وهذا من أهم الأسباب، السبب
+
+384
+00:37:04,970 --> 00:37:14,250
+الثالث، إذا كان يرجعوا الطلب أو الأخذ إلى إيه؟ إلى
+
+385
+00:37:14,250 --> 00:37:19,770
+القوانين
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/xmzDvNME9g4_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/xmzDvNME9g4_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..24d5409904d775b92a9c204bc523aa1ea77503af
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/xmzDvNME9g4_raw.json
@@ -0,0 +1 @@
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لكن انا تعبت و انا خسرت و انا اجتهدت، أليس من حقي أن اخدها بدرا؟ انا بدي 2000 دينار بدل عشان انا يعني اسلمك المحل و بعد هيك تتأجره بشكل طبيعي", "tokens": [7649, 995, 3714, 4587, 16758, 1211, 23758, 12602, 1829, 33753, 4117, 44381, 1975, 8315, 37279, 3555, 2655, 4032, 1975, 8315, 16490, 3794, 43500, 4032, 1975, 8315, 1975, 7435, 47395, 3215, 2655, 12399, 5551, 20292, 3794, 9154, 11331, 4587, 1829, 14739, 1975, 9778, 3215, 11296, 47525, 23557, 22807, 1975, 8315, 4724, 16254, 8132, 11778, 1829, 8315, 2288, 47525, 1211, 6225, 8592, 7649, 1975, 8315, 37495, 22653, 24525, 19528, 4117, 9673, 5016, 1211, 4032, 39182, 39896, 4117, 6055, 2655, 10721, 7435, 2288, 3224, 4724, 8592, 28820, 23032, 21292, 3615, 1829], "avg_logprob": -0.18363764580715908, "compression_ratio": 1.6511627906976745, "no_speech_prob": 3.5762786865234375e-07, "words": [{"start": 819.28, "end": 819.64, "word": "انا", "probability": 0.6754150390625}, {"start": 819.64, "end": 820.12, "word": " مقابل", "probability": 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2378.31, "end": 2378.61, "word": " بكم", "probability": 0.8623046875}, {"start": 2378.61, "end": 2378.95, "word": " قد", "probability": 0.950439453125}, {"start": 2378.95, "end": 2379.47, "word": " يعني", "probability": 0.900390625}, {"start": 2379.47, "end": 2379.77, "word": " كأن", "probability": 0.4083251953125}, {"start": 2379.77, "end": 2380.07, "word": " الوقت", "probability": 0.8429361979166666}, {"start": 2380.07, "end": 2380.29, "word": " قد", "probability": 0.988037109375}, {"start": 2380.29, "end": 2380.77, "word": " أدركنا", "probability": 0.8123779296875}, {"start": 2380.77, "end": 2381.87, "word": " نكمل", "probability": 0.9783528645833334}, {"start": 2381.87, "end": 2382.17, "word": " المرة", "probability": 0.977294921875}, {"start": 2382.17, "end": 2382.61, "word": " القادمة", "probability": 0.9913736979166666}, {"start": 2382.61, "end": 2382.79, "word": " إن", "probability": 0.5244140625}, {"start": 2382.79, "end": 2382.93, "word": " شاء", "probability": 0.95458984375}, {"start": 2382.93, "end": 2383.07, "word": " الله", "probability": 0.95703125}], "temperature": 1.0}], "language": "ar", "language_probability": 1.0, "duration": 2383.691, "duration_after_vad": 2318.0474999999938}
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/xmzDvNME9g4_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/xmzDvNME9g4_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..ecca2a5dcc9fecb0c0ecc0ddb5f3f0243af96a31
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/xmzDvNME9g4_raw.srt
@@ -0,0 +1,1636 @@
+1
+00:00:20,700 --> 00:00:25,980
+الصلاة والسلام على رسول الله وعلى آله وصحبه ومن
+
+2
+00:00:25,980 --> 00:00:31,400
+اهتدأ بهديه واستنى بسنته إلى يوم الدين اللهم إننا
+
+3
+00:00:31,400 --> 00:00:36,680
+نسألك الهدى والتقى والعفافة والغنى وأن تعلمنا ما
+
+4
+00:00:36,680 --> 00:00:41,020
+ينفعنا وأن تنفعنا بما علمتنا يا رب العالمين وبعد
+
+5
+00:00:41,020 --> 00:00:49,650
+مواصل حديثناحول الخلوات أو بدل الخلوات كنا في
+
+6
+00:00:49,650 --> 00:00:57,590
+المحاضرة السادقة قد بدأنا نتحدث عن الخلوات أو
+
+7
+00:00:57,590 --> 00:01:03,150
+الخلوات من حيث تعريفها لغة واصطلاحا
+
+8
+00:01:04,090 --> 00:01:11,670
+وعرفنا أنها ومفهومها بشكل عام الدارج وقلنا بأن
+
+9
+00:01:11,670 --> 00:01:21,890
+الخلو أو بدل الخلو أمر أصبح دارجا معروفا لدينا أو
+
+10
+00:01:21,890 --> 00:01:27,950
+في مجتمعنا بل في معظم مجتمعاتنا لم يعد شيئا غريبا
+
+11
+00:01:29,350 --> 00:01:35,130
+كثيرا ما نسمع بأن هذا الإنسان عندما خرج أو عندما
+
+12
+00:01:35,130 --> 00:01:40,510
+ترك محله المستأجر أخذ مبلغا من المال من المؤجر
+
+13
+00:01:40,510 --> 00:01:49,030
+والعكس كذلك كثيرا ما نسمع أن المال كعندما أجر محله
+
+14
+00:01:51,030 --> 00:01:57,270
+فإنه أخذ مقدما ما نسميه اليوم ربما مقدما مبلغا من
+
+15
+00:01:57,270 --> 00:02:04,090
+المال خلوا قبل تأجيره أو مبلغ سواء الأجرة
+
+16
+00:02:07,440 --> 00:02:13,420
+هذا أصبح شائعا ومعهودا، لكن حقيقة تقفر التساؤلات
+
+17
+00:02:13,420 --> 00:02:19,880
+عن مدى مشروعية هذا المبلغ الذي يأخذه المالك أو
+
+18
+00:02:19,880 --> 00:02:25,000
+الذي يأخذه المستاجر من المالك أو الذي يأخذه
+
+19
+00:02:25,000 --> 00:02:31,650
+المستاجر من مستاجر آخريتساءل الناس ما مدى مشروعية
+
+20
+00:02:31,650 --> 00:02:36,790
+هذا قلنا بأنه .. بأن هذه المسألة إلى حد ما تعتبر
+
+21
+00:02:36,790 --> 00:02:43,050
+مسألة معاصرة وإن كانت يعني جذورها تعود إلى نحو
+
+22
+00:02:43,050 --> 00:02:48,830
+أربعة قرون سابقة حيث بدأ السلطان الغوري كما قلنا
+
+23
+00:02:48,830 --> 00:02:54,010
+ببناء بعض الدكاكين أو بعض الحوانيد لكنه قبل أن
+
+24
+00:02:54,010 --> 00:03:01,350
+يؤجرها أو يكريهالأهل المستأجرين طلب منهم أن يدفعوا
+
+25
+00:03:01,350 --> 00:03:08,510
+مبلغا من المال وعرفنا يعني أن ثمة أن العلماء في
+
+26
+00:03:08,510 --> 00:03:16,110
+وقتها قبل قرون مضتكيفوا هذا الفعل لأن هذا الفعل
+
+27
+00:03:16,110 --> 00:03:21,910
+حقيقة ليس هو بالإيجارة المتمحبة الخالصة يعني، ليس
+
+28
+00:03:21,910 --> 00:03:27,590
+إيجارة بكل معانيها وليس بيع بكل معانيه، ليس تملك،
+
+29
+00:03:27,590 --> 00:03:31,610
+البيع اقتضت تملك المطلق والتصرف المطلق، بما في ذلك
+
+30
+00:03:31,610 --> 00:03:40,230
+بيع العقار نفسهوالإيجار يعني يقططي أنه بمجرد
+
+31
+00:03:40,230 --> 00:03:46,990
+انتهاء مدة الإجارة يخرجه دون أن يطالب بشيء والمال
+
+32
+00:03:46,990 --> 00:03:52,930
+يؤجر دون أن يطالب قبل ذلك بشيء وأن الإجارة مدة
+
+33
+00:03:52,930 --> 00:03:56,270
+مؤقتة
+
+34
+00:03:56,270 --> 00:04:01,800
+اللهم صلى على سيدنا محمدفهذا يعني هذه صيغة جديدة
+
+35
+00:04:01,800 --> 00:04:08,580
+ربما حقيقة نظر فيها الفقهاء ووجدوا لها تكييفا ربما
+
+36
+00:04:08,580 --> 00:04:14,520
+نحاول أن نفصله في ثانية الصور لكن في الجملة كان
+
+37
+00:04:14,520 --> 00:04:22,510
+هناك إقرارمن قبل العلماء لجواز مثل هذه المعاملات
+
+38
+00:04:22,510 --> 00:04:27,590
+وإقرار لمبدع مشروعية أخذ هذا البدل المالي بغض
+
+39
+00:04:27,590 --> 00:04:32,610
+النظر عن تسميته بغض النظر عن إيش تسميته خلوة مقدم
+
+40
+00:04:32,610 --> 00:04:39,330
+إيجار يمثل
+
+41
+00:04:39,330 --> 00:04:43,600
+جزء من شراء المنفعة أو غير ذلكيعني كثير من
+
+42
+00:04:43,600 --> 00:04:49,440
+المتأخرين من العلماء في ذلك الوقت قالوا بهذا و
+
+43
+00:04:49,440 --> 00:04:57,280
+أجازوه و درجة على هذا المسار العلماء المعاصرين لكن
+
+44
+00:04:57,280 --> 00:05:03,680
+يا أخوه حقيقة يعني أمر الخلوات لم يعد متوقفا يعني
+
+45
+00:05:03,680 --> 00:05:09,960
+أمر الخلوات أول ما نشأ كما قلنا نشأ من طرف الحكومة
+
+46
+00:05:10,280 --> 00:05:16,460
+أو بناء الحكومة للدكاكين أو للحوانيات أو الأوقاف
+
+47
+00:05:16,460 --> 00:05:22,760
+أو الجهات العامة لم يعد هذا الأمر متوقفا عند هذه
+
+48
+00:05:22,760 --> 00:05:28,260
+الصور أو عند هذه الجهات بل أصبح أمر الخلوات شائعا
+
+49
+00:05:28,260 --> 00:05:31,580
+سواء فيما يتعلق بالملكيات العامة أو بالملكيات
+
+50
+00:05:31,580 --> 00:05:36,390
+الأفرادالخاصة أصبحنا نرى اليوم شخص يتأجر من شخص
+
+51
+00:05:36,390 --> 00:05:39,790
+قادي ليس من الأوقاف وليس من الحكومة وليس من
+
+52
+00:05:39,790 --> 00:05:43,870
+البلدية وبعد نحو عشر سنين أو عشرين عاما بيطالبه و
+
+53
+00:05:43,870 --> 00:05:47,590
+بيخلوه مع أنه فرد فلينطبق واحدة على هذا على كل
+
+54
+00:05:47,590 --> 00:05:55,490
+الأحوال يعني من جملة ما خرجنا او من جملة هذه
+
+55
+00:05:55,490 --> 00:06:03,920
+التقدمة التي تحدثنا فيها الماضية خرجنا بأنالمقصود
+
+56
+00:06:03,920 --> 00:06:10,240
+بالخلو هو عبارة عن تنازل صاحب المنفعة، تنازل صاحب
+
+57
+00:06:10,240 --> 00:06:15,900
+المنفعة، بغض النظر عن كونه مالكا أو مستأجرا،
+
+58
+00:06:15,900 --> 00:06:23,740
+تنازله عن العقار مقابل مبلغ من المال، مما سوى
+
+59
+00:06:23,740 --> 00:06:29,370
+الأجرةيتنازل صاحب المنفعة مالكا كان او مستاجرا عن
+
+60
+00:06:29,370 --> 00:06:35,410
+العقار الذي كان يملك الانتفاع به مقابل مبلغ من
+
+61
+00:06:35,410 --> 00:06:43,640
+المالغير الأجرة، هذه هي فكرة، هذه هي حقيقة بدل
+
+62
+00:06:43,640 --> 00:06:49,820
+الخلو في نظر وربما عُبر عنه بتعبيرات أو بتعريفات
+
+63
+00:06:49,820 --> 00:06:53,940
+متعددة تدور حول هذه الفكرة، حول هذا المفهوم أن
+
+64
+00:06:53,940 --> 00:06:59,840
+يتنازل صاحب المنفعة مستأجراً كان أو المنفعة للعقار
+
+65
+00:06:59,840 --> 00:07:04,140
+مستاجراً كان أو مالكاً عن هذه المنفعة أن يخليها،
+
+66
+00:07:04,140 --> 00:07:11,310
+يتركها لغيرهمعين غير الأجرة، من ما سوى الأجرة، هذه
+
+67
+00:07:11,310 --> 00:07:18,360
+هي .. هذا هو الخلوة، هذا الخلوة ما؟مدى مشروعيته؟
+
+68
+00:07:18,360 --> 00:07:23,080
+قلنا من خلال حديثنا أن ثمت ثلاثة صور، كررناها
+
+69
+00:07:23,080 --> 00:07:28,040
+دائما، إما أن يكون الآخذ لهذا الخلو أو لبدل الخلو،
+
+70
+00:07:28,040 --> 00:07:33,120
+أحيانا يا أخوة نعبر عن الخلو، يعني و المقصود عن
+
+71
+00:07:33,120 --> 00:07:37,100
+المال نفسه، المأخود، وأحيانا على العملية كلها، ده
+
+72
+00:07:37,100 --> 00:07:41,860
+بس يعني، مفهوميأخذ الخلو أو بدل الخلو المالك هذه
+
+73
+00:07:41,860 --> 00:07:46,400
+صورة وصورة أخرى يعني أحيانا الذي يأخذ بدل الخلو هو
+
+74
+00:07:46,400 --> 00:07:52,580
+المستاجر أي من المالك وأحيانا أيضا المستاجر ولكن
+
+75
+00:07:52,580 --> 00:07:58,340
+من مستاجر آخر فهذه ثلاث صور يعني تحتاج إلى وقفات
+
+76
+00:07:58,340 --> 00:08:04,550
+لبيان موقف الشريعة أو الحكم الشرعي في كل صورةمن
+
+77
+00:08:04,550 --> 00:08:09,030
+هذه الصورة الصور دعونا نبدأ بالصورة الأولى وهي
+
+78
+00:08:09,030 --> 00:08:18,950
+صورة أخذ المالك لبدل الخلوة من طبعا من المستاجر
+
+79
+00:08:18,950 --> 00:08:25,390
+قلنا
+
+80
+00:08:25,390 --> 00:08:35,550
+بأن الأعمالية في صورتها الظاهرة هي إيجاريعني سواء
+
+81
+00:08:35,550 --> 00:08:42,070
+حتى منذ أن بدأت في تاريخية عملية أخذ المال من أيام
+
+82
+00:08:42,070 --> 00:08:48,270
+يعني المالية وإلى يومنا هذا المالك عندما يريد أن
+
+83
+00:08:48,270 --> 00:08:54,330
+يأخذ مالا يأخذ هذا المال من مستجر لأنه لا يأخذه
+
+84
+00:08:56,700 --> 00:09:02,580
+مقابل بيع لا يأخذه مقابل بيع رغم أن المبلغ قد يكون
+
+85
+00:09:02,580 --> 00:09:08,640
+كبيرا لكن هو ما ببيع هو بياخذ المال ثم يؤجره ثم
+
+86
+00:09:08,640 --> 00:09:13,880
+يؤجره وهنا تظهر الحاجة إلى بيان الحكم كيف يستقيم
+
+87
+00:09:13,880 --> 00:09:20,860
+هذا كيف أخذ مبلغا من المالمما سوى الأجراء، أليس
+
+88
+00:09:20,860 --> 00:09:25,240
+هذا ظلمًا؟ ربما، أليس هذا مخالفًا للشريعة والحكم
+
+89
+00:09:25,240 --> 00:09:32,520
+الشريعي؟ دعونا نرى الآن الحكم يا أخوة في أخذ
+
+90
+00:09:32,520 --> 00:09:36,300
+المالك للخلو من المستأجر
+
+91
+00:09:39,970 --> 00:09:47,790
+يظهر لنا من خلال السبب، أو تتبين لنا حقيقته من
+
+92
+00:09:47,790 --> 00:09:54,210
+خلال طبيعة السبب الذي يرجع إليه الأخذ، لماذا أخذ؟
+
+93
+00:09:54,210 --> 00:09:59,750
+لماذا طالب بالأخذ؟ طالب أو أخذ؟ما هو السبب؟ احنا
+
+94
+00:09:59,750 --> 00:10:02,670
+عارفين يا اخوة دايما ان الأحكام الشرعية مربوطة
+
+95
+00:10:02,670 --> 00:10:07,050
+بعلال، مربوطة بأسباب، حتى أن القاعدة الشرعية الحكم
+
+96
+00:10:07,050 --> 00:10:12,710
+يدور مع العلة، مع العلة وجودا وعدما، إذا وجدت
+
+97
+00:10:12,710 --> 00:10:17,130
+العلة التي تقتضي وجود الحكم، كان الحكم، إذا انتفت
+
+98
+00:10:17,130 --> 00:10:21,210
+العلة أو انتفت السبب، لم يعد هناك حكم، إذا كانت
+
+99
+00:10:21,210 --> 00:10:25,310
+العلة تقتضي الجواز،يعني فبها ونعمة، إذا انتفت
+
+100
+00:10:25,310 --> 00:10:29,590
+الآلة لم يقعد الحكم مجائزا، إذا يختلف الحكم جوازا
+
+101
+00:10:29,590 --> 00:10:35,490
+وإباحة وحرمة وكراهة باختلاف السبب، ولذلك احنا هنا
+
+102
+00:10:35,490 --> 00:10:42,350
+بنركز على السبب لإن معرفة السبب مرتبط بيها معرفة
+
+103
+00:10:42,350 --> 00:10:46,730
+الحكم، احنا عاوزين نعرف الحكم، دفع الأجارة دفع
+
+104
+00:10:46,730 --> 00:10:50,650
+المبلغ هذا أو أخذ المال حلال ولا حرار، جائز ولا مش
+
+105
+00:10:50,650 --> 00:10:56,170
+جائز، بنشوف السببمش المسألة هيك عشواء، خط عشواء،
+
+106
+00:10:56,170 --> 00:10:59,410
+اقول الله لا يجوز لك على طول، مافيش أننا في
+
+107
+00:10:59,410 --> 00:11:02,530
+الشريعة يجوز و لا يجوز بدون .. يعني خاصة في
+
+108
+00:11:02,530 --> 00:11:05,830
+المعاملات، يمكن اقول يجوز و لا يجوز في الإبادات
+
+109
+00:11:05,830 --> 00:11:12,250
+بدون معرفة، ماعليش، لأن الإبادات غير معللةلكن في
+
+110
+00:11:12,250 --> 00:11:16,650
+المعاملات يا سيدي لازم الأحكام تكون مرتبطة
+
+111
+00:11:16,650 --> 00:11:19,710
+بأسبابها وفاكرين في المحاضرة الأولى ربما أو
+
+112
+00:11:19,710 --> 00:11:24,150
+الثانية عندما تحدثنا عن خصائص المعاملات وهو يأتي
+
+113
+00:11:24,150 --> 00:11:29,330
+يعني الكلام واهميته قلنا بأن من خصائص المعاملات
+
+114
+00:11:29,330 --> 00:11:35,630
+أنها تراعي العلل والمصالح فاكرين؟ العلل والأسباب
+
+115
+00:11:35,630 --> 00:11:42,520
+الحكمفيها يرعى العِلَل والأحكام طيب دعونا نرى هناك
+
+116
+00:11:42,520 --> 00:11:48,360
+أسباب عديدة تدفع المالك تدفع
+
+117
+00:11:48,360 --> 00:11:54,420
+المالكة إلى أيه؟ إلى أخذ أو المطالبة بأخذ بدل
+
+118
+00:11:54,420 --> 00:12:01,280
+الخلوة بناء على السبب نستطيع أن نقرر الحكمالأسباب
+
+119
+00:12:01,280 --> 00:12:09,400
+تختلف قد يكون السبب هو ما قام به المالك خلّي بالكم
+
+120
+00:12:09,400 --> 00:12:14,720
+أنا صاحب المحل لسه ولم يسبق لي أن أجرته مثلا يعني
+
+121
+00:12:14,720 --> 00:12:19,040
+او حتى لو أجرته المهم اليوم انا اليوم في حيازتي
+
+122
+00:12:19,040 --> 00:12:23,720
+انا يا صاحب المحل و هذا المحل كنت انا قد اشتغلت
+
+123
+00:12:23,720 --> 00:12:32,930
+فيه حتى أصبح له شهرةبين الناس و أصبح له زبائن و
+
+124
+00:12:32,930 --> 00:12:37,490
+أصبح له عنوان احنا قلنا زمان او مش زمان زمان يعني
+
+125
+00:12:37,490 --> 00:12:41,630
+المرة اللي فاتت او اللي قبلها ان هذا يدخل في حقوق
+
+126
+00:12:41,630 --> 00:12:47,410
+الابتكار ولا لا صار كأنه اسم تجاري من أنواع احنا
+
+127
+00:12:47,410 --> 00:12:54,090
+قلنا من مضامين الاسم التجاري الشهرةصح الشهرة وهذه
+
+128
+00:12:54,090 --> 00:13:00,750
+الشهرة لم تأتي من فراغ لم تأتي مجانا وإنما جاءت
+
+129
+00:13:00,750 --> 00:13:09,070
+بعد جهد ووقت وربما بذل مال فاستحق صاحبها بدلا عنها
+
+130
+00:13:09,070 --> 00:13:15,250
+بدلا ماليا ولذلك لو إنه كان السبب هو الشهرة التي
+
+131
+00:13:15,250 --> 00:13:22,100
+حققها المحل قبل ذلك ومع إنهيعني أجرة المحل بشكل
+
+132
+00:13:22,100 --> 00:13:26,220
+طبيعي، أجرة المحل بشكل طبيعي خمسين دينار اللي زيه،
+
+133
+00:13:26,220 --> 00:13:30,120
+لكن هو لأنه فيه شهرة ومش عاوز يزيد على الأجرة،
+
+134
+00:13:30,120 --> 00:13:34,120
+الأجرة هي هي، خمسين دينار، لكن يا عمي هذا المحل
+
+135
+00:13:34,120 --> 00:13:37,420
+انت لو لول الشهرة هادى، بدك تقول سنتين تلاتة لما
+
+136
+00:13:37,420 --> 00:13:42,620
+تصير عليه رجلانا مقابل هذا ريحتك لكن انا تعبت و
+
+137
+00:13:42,620 --> 00:13:47,260
+انا خسرت و انا اجتهدت، أليس من حقي أن اخدها بدرا؟
+
+138
+00:13:47,260 --> 00:13:53,080
+انا بدي 2000 دينار بدل عشان انا يعني اسلمك المحل و
+
+139
+00:13:53,080 --> 00:13:57,240
+بعد هيك تتأجره بشكل طبيعيوهنا يا اخوة لو لاحظتم
+
+140
+00:13:57,240 --> 00:14:04,680
+ستكون الأجرة عادية ولا تنقصه من القدر العادي من
+
+141
+00:14:04,680 --> 00:14:09,120
+أجرة المثل، أجرة عادية، هو اللي أخده، أخد ايه؟
+
+142
+00:14:09,120 --> 00:14:15,880
+مقابل الشهرة، مقابل ما اجتهده حتى وصل فيه، حتى وصل
+
+143
+00:14:15,880 --> 00:14:21,540
+إلى الشهرة، أخدو بعدين بعد هيك ايه اه اه اه اه اه
+
+144
+00:14:21,540 --> 00:14:21,960
+اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه
+
+145
+00:14:21,960 --> 00:14:22,060
+اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه
+
+146
+00:14:22,060 --> 00:14:23,060
+اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه
+
+147
+00:14:23,060 --> 00:14:23,080
+اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه
+
+148
+00:14:23,080 --> 00:14:29,960
+اه اه اه اه اه اه اه اه اه
+
+149
+00:14:29,960 --> 00:14:31,400
+اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه اه
+
+150
+00:14:31,400 --> 00:14:34,860
+اه اه اه اه اه اه
+
+151
+00:14:34,860 --> 00:14:42,120
+اه اه
+
+152
+00:14:42,120 --> 00:14:49,940
+الكنها .. لكنها قد .. لكنها ليست مالا بالمعنى
+
+153
+00:14:49,940 --> 00:14:56,920
+الحقيقي هذه من جهة .. وليست مالا مضمونا خد بالك ..
+
+154
+00:14:56,920 --> 00:15:04,700
+ولذلك في شروط الذكاء الملك التام .. التاممملوك
+
+155
+00:15:04,700 --> 00:15:09,480
+بحيث تستطيع ان تتصرف فيه كيف تشاء لكن هذا .. هذا
+
+156
+00:15:09,480 --> 00:15:14,480
+حتى الشهرة هذه قد لا تجد بعد فترة ما .. ما يشتريها
+
+157
+00:15:14,480 --> 00:15:19,700
+منك قد تتغير الظروف و قد لا تساوي مالا في لحظة من
+
+158
+00:15:19,700 --> 00:15:24,640
+اللحظات مرت فترة حرب مرت اتغيرت المنطقة اه صارت
+
+159
+00:15:24,640 --> 00:15:29,940
+منطقة انتقلت مركز المدينة من هذا المكان تتغير اذا
+
+160
+00:15:29,940 --> 00:15:35,330
+مالا تتحول لكن بعد ما تبيعها وتقبل مصريهاو الحول
+
+161
+00:15:35,330 --> 00:15:42,150
+عليها الحول، يجب فيها الذكاء، أحسن، نعم،
+
+162
+00:15:42,150 --> 00:15:45,290
+نعم،
+
+163
+00:15:45,290 --> 00:15:49,970
+نعم، نعم، نعم
+
+164
+00:15:53,720 --> 00:15:57,200
+هل الحين لازم .. هذا طبعا هذه الصورة الثانية، هذا
+
+165
+00:15:57,200 --> 00:16:00,920
+بالنسبة للمستاجر، هل للمستاجري أن يطالب المالك في
+
+166
+00:16:00,920 --> 00:16:06,080
+هذه الحلقة أن تخرجي؟ لأ، يعني لا تستعجل، هذا
+
+167
+00:16:06,080 --> 00:16:10,580
+سنجيبه عليه، لكن احنا الآن نتحدث عن الصورة
+
+168
+00:16:10,580 --> 00:16:16,320
+المتعلقة باخد المالك، احنا قلنا الخلق لا يقتصر وإن
+
+169
+00:16:16,320 --> 00:16:21,390
+كان هذا المشهورلكنه لا يقتصر على أخذ المستاجر احنا
+
+170
+00:16:21,390 --> 00:16:24,950
+يمكن الآن المشهور ان المستاجر اللي بياخد لكن قبل
+
+171
+00:16:24,950 --> 00:16:31,510
+المستاجر كان المالك بياخد و أحد الأسباب كما سنرا
+
+172
+00:16:31,510 --> 00:16:37,610
+اللي تدفع المستاجر ان يطالب او ياخد بالخلو هو
+
+173
+00:16:37,610 --> 00:16:42,550
+الأخذ المتقدم او السابق للمالك فالمالك احنا قبل ما
+
+174
+00:16:42,550 --> 00:16:49,430
+نتحدث عن المستاجر نتحدث عن المالكالمالك. إذا لكن
+
+175
+00:16:49,430 --> 00:16:53,790
+ما هي الأسباب؟ عشان نشوف مدى البشرية او عدمها. إذا
+
+176
+00:16:53,790 --> 00:17:00,410
+كان سببه الذي طالب به المالك بدلا للخلوة هو ما قام
+
+177
+00:17:00,410 --> 00:17:05,200
+به من تحقيق الشهرة فلا بس. وهذا ما حدالاتفاق بين
+
+178
+00:17:05,200 --> 00:17:09,060
+العلماء كما قلنا ويدخل ضمن حقوق الابتكار التي نُص
+
+179
+00:17:09,060 --> 00:17:16,220
+عليها مجمع الفقه الإسلامي وكذلك إذا كان هذا البدل
+
+180
+00:17:16,220 --> 00:17:19,760
+الذي طالب به مقابل قيمة الموقع، قيمة الموقع بتختلف
+
+181
+00:17:19,760 --> 00:17:24,540
+شوية عن الشهرة، قيمة الموقع أنا ماعملتش فيه شهرة،
+
+182
+00:17:24,540 --> 00:17:31,310
+إيش أشديد، لكن هذا المحل في شارع عمرو المختارهذا
+
+183
+00:17:31,310 --> 00:17:37,530
+المحل في الرمال هذا المحل في شارع يعني تجاري كبير
+
+184
+00:17:37,530 --> 00:17:45,090
+هل وعلى فرض يا اخوة انه يعني طبعا تأجيره بمبلغ
+
+185
+00:17:45,090 --> 00:17:53,290
+طائل شهري قد يعني لا يجدوا مستأجرين او ربما تحدوا
+
+186
+00:17:53,290 --> 00:17:59,310
+الدولة من او طبقة السعيرة او الى غير بسبب او او
+
+187
+00:17:59,310 --> 00:18:07,710
+لاخرهل يعقل؟أن يكون .. أن تكون أجرة .. أجرة المحل
+
+188
+00:18:07,710 --> 00:18:11,410
+اللي في عمر المختار حتى لو كان نفس السعة أو نفس
+
+189
+00:18:11,410 --> 00:18:19,050
+الحجم أو المساحة نفس قيمة أجرة المحل اللي في مثلا
+
+190
+00:18:19,050 --> 00:18:24,790
+في المؤسكر الشاطئ ولا في الشجاعية ولا في .. ولا في
+
+191
+00:18:24,790 --> 00:18:28,230
+.. في .. في .. في المؤسكرات الوسطى خليني نكون
+
+192
+00:18:28,230 --> 00:18:34,470
+واقعين بالطبع لأ لا يعقللا يقل هذا لكن انا برضه في
+
+193
+00:18:34,470 --> 00:18:43,890
+نفس الوقت يعني انا عند المحل وانا صعب
+
+194
+00:18:43,890 --> 00:18:48,650
+ان انا اطلب خمسمائة دينار شهري فاش بتصير العملية
+
+195
+00:18:48,650 --> 00:18:55,110
+تسهيلا تسهيلا بيصير ايش بيقولوا احنا الأجار زي كل
+
+196
+00:18:55,110 --> 00:18:58,690
+المحلات او زيادة شوية بسيطة او متقاربة لكن انا بدي
+
+197
+00:18:58,690 --> 00:19:04,080
+عشر تلاف دينارأو خلوه مش .. يعني خلوه تدفعني عشر
+
+198
+00:19:04,080 --> 00:19:07,780
+تلاف وبعدين تدفع أجراك كل شهر كذا أو كل سنة كذا
+
+199
+00:19:07,780 --> 00:19:14,380
+لأنه هدف مركز البلد المدينة في البلد في .. يعني
+
+200
+00:19:14,380 --> 00:19:19,600
+حتى لو لم تتحقق له الشهرة بسببه لكن الشهرة متحققة
+
+201
+00:19:19,600 --> 00:19:24,420
+وخالصة، المحلات اللي جنبه والرجل عليه، منطقة، سوق
+
+202
+00:19:25,620 --> 00:19:31,000
+يعني طبيعي انه ايه يكون وضعه غير عن وضع غيره اذا
+
+203
+00:19:31,000 --> 00:19:36,460
+هنا ايضا يعني هو حقيقته اجرته تساوي ربما الحقيقية
+
+204
+00:19:36,460 --> 00:19:40,180
+مثلا 200 دينار او 300 دينار لكنه يواجره ب 100 او
+
+205
+00:19:40,180 --> 00:19:46,320
+150 كسائر المحلات الأخرى او قريبا او اغلى شوية
+
+206
+00:19:46,320 --> 00:19:52,640
+لكنه نظرا للفروق الشاسعة بينه بين قيمة هذا الموقع
+
+207
+00:19:52,640 --> 00:19:58,440
+وقيمة موقع اخربروح ايه؟ بياخد مقدم او يطالب دي
+
+208
+00:19:58,440 --> 00:20:08,410
+مقدمو .. هذا أيضا المقدم يعني شرعه أو أجازه لأنه
+
+209
+00:20:08,410 --> 00:20:15,470
+له مبرره وله مسوغه وقيمة الموقع لها اعتبار و
+
+210
+00:20:15,470 --> 00:20:20,530
+الحقيقة الإسلام يراعى الفروق الفروق الفردية بين
+
+211
+00:20:20,530 --> 00:20:25,410
+الناس و الفروق بين المحلات و الفروق .. هذه الفروق
+
+212
+00:20:25,410 --> 00:20:29,980
+من العدالة أن تراعىحتى بين الرجل والمرأة، حتى بين
+
+213
+00:20:29,980 --> 00:20:33,740
+.. يعني .. يعني الأحكام المتعلقة .. هل بالصغير
+
+214
+00:20:33,740 --> 00:20:36,740
+كالأحكام المتعلقة بالكبير؟ الأحكام المتعلقة
+
+215
+00:20:36,740 --> 00:20:41,040
+بالمريد كالأحكام المتعلقة بالصحيح؟ هل .. وبالتالي
+
+216
+00:20:41,040 --> 00:20:44,460
+ليس من العدل ولا من العقل ولا من المنطق أن يكون
+
+217
+00:20:44,460 --> 00:20:48,680
+المحل الذي يمكن أن يبيع في اليوم اشرين تلاتين ألف
+
+218
+00:20:48,680 --> 00:20:52,960
+شكل ولا اشرين تلاتين مليون زي المحل اللي بيبيع
+
+219
+00:20:52,960 --> 00:20:56,970
+بمليون، لايعقل أن يكونهذا فطبيعي ان يكون أجرته
+
+220
+00:20:56,970 --> 00:21:02,070
+أكبر وهنا في هذه الحالة الأجرة انا صاحب المحل انا
+
+221
+00:21:02,070 --> 00:21:07,330
+صاحب المحل و انا يعني و بدي يعني مقدم في الأول او
+
+222
+00:21:07,330 --> 00:21:13,530
+اخده و بعدين أجره بشكل طبيعي او يعني بما يتناسب
+
+223
+00:21:13,530 --> 00:21:18,410
+معي و ليه الحق الكامل في .. لأن انا إلي السلطة
+
+224
+00:21:18,410 --> 00:21:21,970
+الأصل الكاملة عليه فبالحق يعني .. يعني زي اللي
+
+225
+00:21:21,970 --> 00:21:27,550
+بروحببيع .. ببيع محله .. لو يعني .. انظروا .. لو
+
+226
+00:21:27,550 --> 00:21:33,140
+قرأ ده شخص ان يبيع المحل ب .. ب .. ب .. بمبلركيش
+
+227
+00:21:33,140 --> 00:21:38,360
+معجل كامل هل في ذلك شيء؟ لا شيء لو باعه بالتقصيد
+
+228
+00:21:38,360 --> 00:21:44,060
+هل في ذلك شيء؟ باعوا بمية ألف دنار المحل هاي خمسين
+
+229
+00:21:44,060 --> 00:21:48,520
+والخمسين مجسطة مافيش مشكلة كذلك في مسألة التاجير
+
+230
+00:21:48,520 --> 00:21:55,060
+يعني كأنها صارت هذا المقدم هذا الخلوة كأنه جزء من
+
+231
+00:21:55,060 --> 00:22:03,140
+الإيجار لكن جزء ايش؟يعني مجمع ويدفع مرة واحدة
+
+232
+00:22:03,140 --> 00:22:10,400
+مقدمة أو إن لم نعتبره جزء من الإيجار يعني قد نكيفه
+
+233
+00:22:10,400 --> 00:22:16,200
+على أساس نوع من شراء المنفعة شراء المنفعة والذي
+
+234
+00:22:16,200 --> 00:22:22,240
+ترتب عليه تخفيض سر الإيجار في هذا المحل الشاهد يا
+
+235
+00:22:22,240 --> 00:22:27,010
+إخوة إنه إذا كان سببهيرجعوا إلى شهرة المحل أو قيمة
+
+236
+00:22:27,010 --> 00:22:32,310
+الموقع فلا بأسة في أن يأخذ المالك يعني بدلا
+
+237
+00:22:32,310 --> 00:22:37,670
+للإيجاب أقولكوا حتى لو لم يكن يا إخوة حتى لو لم
+
+238
+00:22:37,670 --> 00:22:41,250
+يكن أنا بالمناسبة وائن كان هذا الكلام سيكون متأخر
+
+239
+00:22:41,250 --> 00:22:45,090
+لكن أنا بدي أقولكوا ياه من بدري حتى لو لم يكن ثمة
+
+240
+00:22:45,090 --> 00:22:53,700
+سببافي وجود شهر او محل اذا طراب الطرفان على صيغة
+
+241
+00:22:53,700 --> 00:23:02,240
+معينة من صيغة دفع تقصيطا او كيشا او مقدما فليتفقوا
+
+242
+00:23:03,160 --> 00:23:10,020
+ما لم يكن في ذلك يعني غش أو ربع أو إلى غير ذلك انا
+
+243
+00:23:10,020 --> 00:23:15,800
+صاحب المحل ماحدش مقدر يجبرني انه اجره بسعر معين او
+
+244
+00:23:15,800 --> 00:23:21,420
+يجبرني انه اجره
+
+245
+00:23:21,420 --> 00:23:26,480
+سنوي او شهري انا كيفي هنا هذا محلي ليه خالص و كامل
+
+246
+00:23:26,700 --> 00:23:32,080
+التسلط عليه والحق في التصرف فيه، أنا الأن بدي أجر
+
+247
+00:23:32,080 --> 00:23:36,160
+بالطبيعي، اللي بياجبوها لو سهل و اللي بياجبوش حرم،
+
+248
+00:23:36,160 --> 00:23:40,080
+يعني هذا سوق تأجر من غيري، يعني أنا أقول فما
+
+249
+00:23:40,080 --> 00:23:45,980
+بقالكم عندما يكون ثمة شهرة أو قيمة فالمسوق يكون
+
+250
+00:23:45,980 --> 00:23:50,710
+أقوى، أنا أقول حتى لو لم يكن ثمة سببافالسبب
+
+251
+00:23:50,710 --> 00:23:57,010
+الرئيسي في حقه في المطالبة ببدل الخلق هو التملك
+
+252
+00:23:57,010 --> 00:24:03,930
+نفسه هو التملك نفسه يعني كونك تملك هذا المحل أو
+
+253
+00:24:03,930 --> 00:24:11,270
+هذا العقار أنت صاحب حق في أن تأجره كيف يتشاء من
+
+254
+00:24:11,270 --> 00:24:16,650
+ناحية تاخد مقدم و بعدين تقصد في أن تبيعه كيف تشاء
+
+255
+00:24:16,650 --> 00:24:21,550
+أليس كذلك؟هذا هو يعني ما لم يكن طبعا في حدود في
+
+256
+00:24:21,550 --> 00:24:25,810
+الآخر يعني استغلالا احتكارا غشا يعني القواهد
+
+257
+00:24:25,810 --> 00:24:33,810
+العامة لكن في حدود يعني المعروف وفي حدود اجرة
+
+258
+00:24:33,810 --> 00:24:39,410
+او ثمن المثل لا لا بس مسألة التقسيطات والتكييفات
+
+259
+00:24:39,410 --> 00:24:44,330
+يعني احنا الآن زمان كانوا عندما يريدوا ان يتزوج
+
+260
+00:24:44,330 --> 00:24:49,520
+مافيش حاجة اسمها مقدم ومؤخرفي الزواج خلاص هالمهرب
+
+261
+00:24:49,520 --> 00:24:53,540
+يدفعوا والمهرب حاجة بسيطة دنانير معدودات يعني
+
+262
+00:24:53,540 --> 00:24:57,320
+وربما يعني قد يكونوا خاتمان من حديد الرسول صلى
+
+263
+00:24:57,320 --> 00:25:00,540
+الله عليه وسلم يقول التمس خاتمان من حديد الرسول
+
+264
+00:25:00,540 --> 00:25:03,120
+صلى الله عليه وسلم يقول زوجتك بما تحفظ من القرآن
+
+265
+00:25:03,120 --> 00:25:08,560
+تيسير بأمور الزواج اليوم أكدوا الأمور مقدمه مؤخره
+
+266
+00:25:08,560 --> 00:25:19,170
+عفش بيته وخراب بيته يعني الله يساعدكوا يا ربيف ..
+
+267
+00:25:19,170 --> 00:25:24,370
+لكن .. لكن .. لكن .. هل يستطيع ان يقول احدهم ان
+
+268
+00:25:24,370 --> 00:25:31,610
+هذا حرام؟ انه انت تذهب و توافق بكل .. بكم قواك
+
+269
+00:25:31,610 --> 00:25:35,930
+العقلية؟ خمس سلاف بتاخر اكتب؟ خمس سلاف عافش بيت
+
+270
+00:25:35,930 --> 00:25:43,950
+اكتب؟ خمس سلاف مقدم كذلك؟ مايهمك؟ انت راضيت؟ خلاص؟
+
+271
+00:25:43,950 --> 00:25:48,520
+و سعر المجموع خمسة عشر و الف دينار؟المهر دي هو
+
+272
+00:25:48,520 --> 00:25:54,300
+بالك و لو صار كهنيماني بعد هيك يعني بدك تدفعين على
+
+273
+00:25:54,300 --> 00:26:03,520
+جرش ينطح جرش ف .. فقضيتهم على ذلك صحيح يعني ربما
+
+274
+00:26:03,520 --> 00:26:07,400
+يكون ذلك ينتقل إلى درجة الكراهة إن كان في ذلك عندك
+
+275
+00:26:07,400 --> 00:26:10,420
+لكن أنا بخير والحمد لله و قادر أدفع ال 15 ألف يعني
+
+276
+00:26:12,850 --> 00:26:16,810
+ولو أتيتم إحداهما نقيم طهرة، ربنا يقول، وفاكرين
+
+277
+00:26:16,810 --> 00:26:21,430
+قصة المرأة اللي وقفت لعمر في يوم من الأيام؟ عندما
+
+278
+00:26:21,430 --> 00:26:26,510
+أراد أن أيه؟ يعني يحدد المهور، دلوقت لوين يا عمر؟
+
+279
+00:26:26,510 --> 00:26:33,170
+يعطينا الله، وتمنعنا يا عمر؟ فكان عمر رضي الله عن
+
+280
+00:26:33,170 --> 00:26:39,930
+عمرأخطأ عمر يا سيدي، و أصابت امرأة، لا يضير عمر أن
+
+281
+00:26:39,930 --> 00:26:47,630
+يعترف بخطأه، وهذا من عظيم فضله و من قوة شخصيته و
+
+282
+00:26:47,630 --> 00:26:54,030
+من قوة إيمانه، لا بأس في ذلك، نعود، إذا كيفت انتوا
+
+283
+00:26:54,030 --> 00:26:59,630
+على القصة هذه؟أذا إذا كان السبب يرجع إلى شهرة
+
+284
+00:26:59,630 --> 00:27:05,110
+المحل وقيمة الموقع فلا بأس في ذلك طيب كذلك يعني
+
+285
+00:27:05,110 --> 00:27:09,470
+الآن سبب أخر قد يكون السبب كما قلت هو الشهرة
+
+286
+00:27:09,470 --> 00:27:15,410
+والموقع ولكن قد يكون السبب هو حاجة المالك حاجة
+
+287
+00:27:15,410 --> 00:27:21,530
+لإيش؟ حاجة للمالالشيء لو بده يأجر شهري عادي مية
+
+288
+00:27:21,530 --> 00:27:25,150
+دينار مية دينار و عنده قدامه مشروع معين بده سنتين
+
+289
+00:27:25,150 --> 00:27:29,710
+تلاتة لما يحوشن ويمكن يصرفن في الهوا كل شهر مية
+
+290
+00:27:29,710 --> 00:27:35,050
+دينار ولا متين دينار يعني أول بول فجالك اه طب انا
+
+291
+00:27:35,050 --> 00:27:38,410
+في قدامي مشروع انا هي عندي محل انا لو أخدت منه
+
+292
+00:27:38,410 --> 00:27:43,430
+مقدم الفين تلات تلات بقدر اعملي كمان مع ال .. مع
+
+293
+00:27:43,430 --> 00:27:50,700
+الجريشين اللي معاياحاجة للمالك للمال من أجل البناء
+
+294
+00:27:50,700 --> 00:27:57,520
+وقد يكون بناء محلات أخرى للاستثمار وقد يكون المحل
+
+295
+00:27:57,520 --> 00:28:01,920
+نفسه لسه في الهواء يعني من أجل بناء المحل الذي
+
+296
+00:28:01,920 --> 00:28:07,770
+يريده أن يؤجرهزي ما بتعمل أحيانا بعض المؤسسات أو
+
+297
+00:28:07,770 --> 00:28:12,770
+البلديات جامل ما تبني مشروع على بيكون المخطط
+
+298
+00:28:12,770 --> 00:28:17,870
+الهندسي موجود وكل واحد بده محل أو نمرة معينة بيدفع
+
+299
+00:28:17,870 --> 00:28:22,890
+المبلغ المتفق عليه و بعد سنة زمان بتتم البناء طبعا
+
+300
+00:28:22,890 --> 00:28:26,830
+بتتم البناء من خلال الفلوس الجمعة وربما يضافوا
+
+301
+00:28:26,830 --> 00:28:32,020
+عليها أشياء .. إذا حاجة المؤسسينالمالك او حاجة
+
+302
+00:28:32,020 --> 00:28:38,460
+المالك الى المال تدفعه الى المطالبة او الى اخذ هذا
+
+303
+00:28:38,460 --> 00:28:43,680
+البدل وايضا كما قلنا هذا لبس فيه ايضا لا اشكال
+
+304
+00:28:43,680 --> 00:28:50,300
+لانك انت المالك انا المالك الحقيقي لهذا المحل او
+
+305
+00:28:50,300 --> 00:28:54,600
+لهذا الدكان او لهذا العقار ومن حقي ان ابيعه او
+
+306
+00:28:54,600 --> 00:29:03,410
+اجره بهيئة و بالصفات التيو انا برجع و بقول وجدت
+
+307
+00:29:03,410 --> 00:29:07,970
+الحاجة و حتى لو لم توجد الحاجة لكن احنا بنذكر هنا
+
+308
+00:29:07,970 --> 00:29:15,510
+الأسباب اللي غالبا ما تكون ايه دافعة للمالكين ان
+
+309
+00:29:15,510 --> 00:29:23,970
+يطالبوا بخلواتبخلوة لكن أنا أقول حتى لو لم يجد لو
+
+310
+00:29:23,970 --> 00:29:27,310
+يومنا كنت ثمة سبب من الأسباب هذه الموجودة أمامنا
+
+311
+00:29:27,310 --> 00:29:33,910
+وطالبة كون هو يملك هذا العقار من حقه أن يؤجره أو
+
+312
+00:29:33,910 --> 00:29:41,590
+أن يبيعه بالطريقة التي يريد إذا ما وجد من يوافقه
+
+313
+00:29:41,590 --> 00:29:44,430
+على ذلك
+
+314
+00:29:49,710 --> 00:29:54,190
+إذا يا إخوة قد
+
+315
+00:29:54,190 --> 00:30:01,910
+يكون السبب هو حاجة المالك في هذه الحالة يا إخوة
+
+316
+00:30:01,910 --> 00:30:08,770
+عندما يكون السبب هو الحاجة يعني ماذا سيكون التكييف
+
+317
+00:30:08,770 --> 00:30:14,170
+لهذا المال مشروع مشروع مشروع مشروع لكن هل هو سيكون
+
+318
+00:30:14,170 --> 00:30:24,140
+هذا المال جزء من الأجرة ولايعني إله توصيف آخر هذا
+
+319
+00:30:24,140 --> 00:30:28,980
+المال جزء من الأجرة ولا إله توصيف آخر؟ بعض العلماء
+
+320
+00:30:28,980 --> 00:30:33,780
+قالوا هو جزء من الأجرة يوصف أو يكيف على أنه أو
+
+321
+00:30:33,780 --> 00:30:40,580
+كأنه جزء من الأجرة بدليل أنه أنت في الحالة هذه إذا
+
+322
+00:30:40,580 --> 00:30:46,200
+الأجرة بخمسين أنت ما بتدفعش إلا عشرينوكأن الأربع
+
+323
+00:30:46,200 --> 00:30:50,240
+خمس تلاف أو التلات تلاف اللي دفعتهم هم بتوزع على
+
+324
+00:30:50,240 --> 00:30:58,020
+الشهور أو السنوات التي ستخضيها بعد ذلك في استئجارك
+
+325
+00:30:58,020 --> 00:31:04,800
+للمحل فهي جزء كأنه صار جزء مقدم وهذا إن إذا
+
+326
+00:31:04,800 --> 00:31:11,340
+موصفناه بهذا التوصيف هل يمنع على المؤجر أن طالبحتى
+
+327
+00:31:11,340 --> 00:31:15,800
+لو لم يكن خلوة أن يطالب المستأجر بسنتين تلاتة في
+
+328
+00:31:15,800 --> 00:31:19,960
+أجرة مقدمة السنة بألف دينار قاله و الله أنا محتاج
+
+329
+00:31:19,960 --> 00:31:26,100
+و بدي تلت سنين اولا هو محتاج تانيا عشان يضمن
+
+330
+00:31:26,100 --> 00:31:31,760
+التأجير لأسباب لحاجة في نفسي عقوبة فهل يمنع ذلك؟ و
+
+331
+00:31:31,760 --> 00:31:37,760
+كذلك الحال هنا يعني إذا قد يكونوا حتى لو .. يا
+
+332
+00:31:37,760 --> 00:31:43,800
+أخوة احنا برجع دايما بقولالأحكام الشرعية ليست
+
+333
+00:31:43,800 --> 00:31:50,040
+مرتبطة بتسميات بمعنى
+
+334
+00:31:50,040 --> 00:31:56,900
+أنها مرتبطة بمعاني ومقاصد ومضامين كلما وافقت هذه
+
+335
+00:31:56,900 --> 00:32:03,550
+المضامين وجهة الحق ووجهة الشرع كانت سائغةالان سمى
+
+336
+00:32:03,550 --> 00:32:08,270
+ما شئت، سمى .. يعني حتى لو لم تعتبئ أجرة، مش أجرة،
+
+337
+00:32:08,270 --> 00:32:14,390
+منفعة، قلوب، إيش ما تسميها المهم إنه هذه يعني في
+
+338
+00:32:14,390 --> 00:32:19,510
+الآخر هي يمكن أن تكيف على أنها بدل لإن الواقع
+
+339
+00:32:19,510 --> 00:32:24,590
+بيحكي هيك انت هذه المحل اللي انت أخدته ودفعته دخله
+
+340
+00:32:24,590 --> 00:32:27,650
+باسمه 100 دينار شهريا، انت عمال ما بتدفعش للي
+
+341
+00:32:27,650 --> 00:32:35,220
+عشرين أو تلاتينأو خمسين فكأنه الجزء الأول و البعض
+
+342
+00:32:35,220 --> 00:32:44,620
+كيفوه على أنه شراق شراق لكن ليس شراق العقار ولكن
+
+343
+00:32:44,620 --> 00:32:48,320
+شراق بيئة منفعة بيسموه بيئة منفعة بيئة المنفعة يا
+
+344
+00:32:48,320 --> 00:32:54,930
+اخوة زي زي البيئة العادىمن حيثه اه يعني حالة ده
+
+345
+00:32:54,930 --> 00:33:00,190
+يعني اه سميها بين الانتفاع بالاستيجار الانتفاع
+
+346
+00:33:00,190 --> 00:33:08,050
+الاستيجار انتفاع والبيع تملك وبيع المنفعة حالة بين
+
+347
+00:33:08,050 --> 00:33:13,590
+الحالتين بيع المنفعة لك الحق طبعا انت في ان تستقر
+
+348
+00:33:13,590 --> 00:33:23,690
+في ان تستقر في المتجر او في المحلوتتصرف فيه وتؤجره
+
+349
+00:33:23,690 --> 00:33:30,770
+لغيرك تورثه بعد وفاتك وكل هذا لا يكون في الإيجارة
+
+350
+00:33:30,770 --> 00:33:35,670
+خلّي بالك في الإيجارة العادية ما بيكون فقط إنت ما
+
+351
+00:33:35,670 --> 00:33:42,130
+بيصحلك تبيع العقار بيع كامل لكن تبيع منفعته لغيرك
+
+352
+00:33:42,130 --> 00:33:50,210
+في الإيجار لأفي البيع العادي أوسع بحيث انه يحق لك
+
+353
+00:33:50,210 --> 00:33:54,170
+كل هذا كل ما يحق في بيع المنفعة يحق في البيع
+
+354
+00:33:54,170 --> 00:34:01,770
+العادي زائد بيع العقار نفسه رأس العقار يحق لك فهذا
+
+355
+00:34:01,770 --> 00:34:09,630
+كأنه اشترى او كأنه المال بدل يعني بدلشراء جزء من
+
+356
+00:34:09,630 --> 00:34:15,230
+المنفعة جزء من المنفعة وبالتالي كأن المحل أصبح
+
+357
+00:34:15,230 --> 00:34:22,330
+مشتركا ليس في أصل ملكيته ولكن في منفعته كأن المحل
+
+358
+00:34:22,330 --> 00:34:30,090
+بهذا المال اللذي دفعه المستاجر للمالك أصبحت
+
+359
+00:34:30,090 --> 00:34:35,110
+المنفعة مشتركة يعني أنا دفعت 5000 دنار صار لي
+
+360
+00:34:35,110 --> 00:34:40,790
+منفعة نص المحلطب المحل والنص التانى لاتقلال مالك
+
+361
+00:34:40,790 --> 00:34:45,570
+لأن المحل باسمه ضعف الثمن اللى دفعته فاحنا لما
+
+362
+00:34:45,570 --> 00:34:50,090
+بنجي نجره مثلا مائة دينار طب انا ايه ليه مالك
+
+363
+00:34:50,090 --> 00:34:59,820
+منفعات نص اذا مش هدفع الا خمسينفصار ايش؟ على كل
+
+364
+00:34:59,820 --> 00:35:04,180
+الحال و هي تشبه التأجير يعني فإذا ما كيفناه على
+
+365
+00:35:04,180 --> 00:35:09,120
+أنه بيع منفع أو كيفناه أو وصفناه على أنه استئجار
+
+366
+00:35:09,120 --> 00:35:15,580
+ففي كل الأحوال يعني تبقى الأمور جائزة أو قال
+
+367
+00:35:15,580 --> 00:35:27,070
+العلماء بالمشروعية و أجازوهاو يعني قاسوها على صورة
+
+368
+00:35:27,070 --> 00:35:31,810
+ما إذا لو إنه إنسان بدأ عمل مشروع يبنيله عمارة
+
+369
+00:35:31,810 --> 00:35:37,690
+مثلا ولا محلات ولا .. ففي نص الطريق مافيش مصاري ما
+
+370
+00:35:37,690 --> 00:35:49,870
+.. بالك اجسارة و من برا و التشطيب و بده تكاليففراح
+
+371
+00:35:49,870 --> 00:35:55,130
+يعني ايه التوافق مع جهة مع شركة مع فرد قالله ايش
+
+372
+00:35:55,130 --> 00:36:04,900
+رايك اه كمل كمل المشروعمش بيعك، مش مقابل و أجرك
+
+373
+00:36:04,900 --> 00:36:11,460
+يعني هذا المبنى لمدة عشر سنوات بدل ما هذه السنة
+
+374
+00:36:11,460 --> 00:36:16,080
+بتكون مثلا ب .. بألف دينار ولا بألفين، النص أو
+
+375
+00:36:16,080 --> 00:36:20,760
+الربع أو كذا أو إلى غير ذلك، فصار ايش؟ يعني هو كمل
+
+376
+00:36:20,760 --> 00:36:27,640
+المحلكمل المحلات ويعني صارت منفعة مشتركة و بعد ذلك
+
+377
+00:36:27,640 --> 00:36:35,980
+أصبح يدفع لأم إيجارا لكن منخفضا و بعد مدة معينة
+
+378
+00:36:35,980 --> 00:36:41,990
+يستطيع أن يسترد المالكيعني عقاره بعد المدة بعد
+
+379
+00:36:41,990 --> 00:36:45,310
+انتهاء المدة المتفق عليها هذا إذا كانت مدة مؤقتة
+
+380
+00:36:45,310 --> 00:36:48,290
+وقد تكون مدة مؤددة كما يحدث في الأوقاف أو في
+
+381
+00:36:48,290 --> 00:36:54,550
+الحكومات مدة ما بدون تحديد مدة إذا وهذا في حد ذاته
+
+382
+00:36:54,550 --> 00:36:59,090
+يعني قهر للعلماء بجوازه والصورة اللي شفناها أشبه
+
+383
+00:36:59,090 --> 00:37:04,970
+بهذه أخيرا يا أخوة وهذا من أهم الأسباب السبب
+
+384
+00:37:04,970 --> 00:37:14,250
+الثالثإذا كان يرجعوا الطلب أو الأخذوا إلى أيه؟ إلى
+
+385
+00:37:14,250 --> 00:37:19,770
+القوانين، إيش داخل القوانين؟ الوضعية في المطالبة
+
+386
+00:37:19,770 --> 00:37:26,910
+بالبدل أو بال ..
+
+387
+00:37:26,910 --> 00:37:33,550
+بال .. داخل القوانين يا إخوةإنه في اليوم في ال ..
+
+388
+00:37:33,550 --> 00:37:39,730
+في الدول المعاصرة يعني استجدت قوانين متعددة
+
+389
+00:37:39,730 --> 00:37:46,770
+اجتهادا .. اجتهادا من قبل الذين يضعون هذه القوانين
+
+390
+00:37:46,770 --> 00:37:54,910
+منها قوانين يعني كما يقولون تخدم المستاجرين وضعت
+
+391
+00:37:54,910 --> 00:37:59,450
+قوانين من شأنها أن .. أن المستاجر يصبح كما المالك
+
+392
+00:38:00,620 --> 00:38:06,420
+أن المستاجر لا يستطيع المؤجر أن يخرجه حتى بعد
+
+393
+00:38:06,420 --> 00:38:12,240
+انتهاء المدى المتفق عليه أن مأجرك لسنتين وبعد
+
+394
+00:38:12,240 --> 00:38:17,280
+السنتين بيحلي محلي يقول دور على حالك لأن القانون
+
+395
+00:38:17,280 --> 00:38:23,600
+بيحميهالقانون اقدر سنتين صحيح لكن مع ذلك اذا ضلوا
+
+396
+00:38:23,600 --> 00:38:29,200
+الاستياجر محتاجه بدوش يطلع من حقه وفق بعض القوانين
+
+397
+00:38:29,200 --> 00:38:33,340
+بعض القوانين تعطي حاجة اسمها الامتداد القانوني
+
+398
+00:38:33,340 --> 00:38:41,440
+الامتداد القانوني ومامقدرش يطلعه في مرات الحكومات
+
+399
+00:38:41,440 --> 00:38:48,620
+تضع تسعيرة إجبارية للأجرةوقد تكون هذه التسعيرية
+
+400
+00:38:48,620 --> 00:38:54,200
+فيها تسعيرة أقل من الحق أقل من أجرة المثل فيها ظلم
+
+401
+00:38:54,200 --> 00:38:59,500
+للمالك طبعا بما أن المستهجر غلبان والمالك جوي يعني
+
+402
+00:38:59,500 --> 00:39:04,280
+هذه نظرة اجتهادية لكن خاطئة ربما تكون اه واحنا
+
+403
+00:39:04,280 --> 00:39:09,040
+لازم نخفض الأسعار وما بعرف فالآن هذه يا اخوة هذه
+
+404
+00:39:09,040 --> 00:39:16,750
+الصورة هذه القوانين التي فيها نوع ظلم ليه؟لإيه؟
+
+405
+00:39:16,750 --> 00:39:26,790
+لمين؟ للملاك تكون سببا وراق يعني بحث الملاك عن
+
+406
+00:39:26,790 --> 00:39:33,670
+وسائل لحماية حقوقهم منها أخذ الخلوة منها أخذ
+
+407
+00:39:33,670 --> 00:39:38,610
+الخلوة هو عارف حاله على كل حال مفصل وهذه كأني بكم
+
+408
+00:39:38,610 --> 00:39:42,790
+قد يعني كأن الوقت قد أدركنا نكمل المرة القادمة إن
+
+409
+00:39:42,790 --> 00:39:43,070
+شاء الله
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/yTniAQnShy8.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/yTniAQnShy8.srt
new file mode 100644
index 0000000000000000000000000000000000000000..f225f73b9366688da48ea9f3304573a39f2b6ca1
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/yTniAQnShy8.srt
@@ -0,0 +1,1502 @@
+1
+00:00:21,230 --> 00:00:24,290
+أعوذ بالله من الشيطان الرجيم بسم الله الرحمن
+
+2
+00:00:24,290 --> 00:00:28,030
+الرحيم الحمد لله والصلاة والسلام على رسول الله
+
+3
+00:00:28,030 --> 00:00:33,050
+وعلى آله وصحبه ومن اهتدى بهديه واستنى بصناته إلى
+
+4
+00:00:33,050 --> 00:00:42,140
+يوم الدين. وبعد، مواصلة حديثنا في مفردات المعاملات
+
+5
+00:00:42,140 --> 00:00:47,600
+المالية المعاصرة، وكنا قد بدأنا نتحدث في المرة
+
+6
+00:00:47,600 --> 00:00:57,960
+الماضية عن الحقوق المعنوية. بدأنا في الحديث عن الحق
+
+7
+00:00:57,960 --> 00:01:00,460
+وتعريفاته.
+
+8
+00:01:01,470 --> 00:01:09,350
+سواء عند العلماء القدامى أو عند المعاصرين، وذلك بعد
+
+9
+00:01:09,350 --> 00:01:12,670
+أن أتممنا ما تبقى علينا في المحاضرة التي قبلها.
+
+10
+00:01:12,670 --> 00:01:20,010
+وعرفنا أن العلماء القدامى في تعريفهم للحقوق أو في
+
+11
+00:01:20,010 --> 00:01:25,380
+تعريفاتهم للحقوق، لم تكن تعريفات واضحة، تعريفات في
+
+12
+00:01:25,380 --> 00:01:32,220
+الجملة، اجتنفها الغموض والإجمال، على اعتبار أن كلمة
+
+13
+00:01:32,220 --> 00:01:39,460
+الحق كلمة واضحة لديهم، يعرفون مدلولها ومعناها. أما
+
+14
+00:01:39,460 --> 00:01:45,780
+المحدثين، فقد وجدنا يعني أنهم يعرفونها تعريفا فيه
+
+15
+00:01:45,780 --> 00:01:50,700
+نوع توضيح وتفصيل، وأنها
+
+16
+00:01:51,900 --> 00:01:57,720
+أي الحقوق، أو أنه أي حق، برعن اختصاص حاجز يقرره
+
+17
+00:01:57,720 --> 00:02:08,820
+الشرع، أو أنه سلطة يقررها الشرع في هذا المجال أو ذاك. يعني وجدنا توضيحا من قبل العلماء المحدثين
+
+18
+00:02:08,820 --> 00:02:15,480
+لتعريفات الحق. يبقى علينا أن نتحدث عن تقسيمات الحقوق
+
+19
+00:02:15,480 --> 00:02:23,110
+لنقف على مأخذ الحقوق المعنوية منها. يعني ما الحديث
+
+20
+00:02:23,110 --> 00:02:30,430
+عن الحق وتعريفه وتقسيماته إلا من أجل أن نصل إلى
+
+21
+00:02:30,430 --> 00:02:37,610
+معرفة الحقوق المعنوية من حيث معناها، وبعد ذلك حكمها
+
+22
+00:02:37,610 --> 00:02:44,690
+في الشرائع الإسلامية. استعمالات ما .. استعمالات ما
+
+23
+00:02:51,550 --> 00:02:55,630
+.. نذكرها إن شاء الله، مفيش مشكلة، يعني هي
+
+24
+00:02:55,630 --> 00:03:01,890
+الاستعمالات باختصار، يعني بعض استعمالات الحق، يعني
+
+25
+00:03:01,890 --> 00:03:07,450
+استعملت كلمة الحق استعمالات متعددة. استعملت بمعناها
+
+26
+00:03:07,450 --> 00:03:12,070
+العام، بالمعنى العام الذي يشمل الحقوق المادية
+
+27
+00:03:12,070 --> 00:03:20,740
+والمعنوية. واستعملت بالمعنى الخاص الذي يتعلق فقط
+
+28
+00:03:20,740 --> 00:03:26,280
+بالحقوق العينية أحيانا، وأحيانا أخرى كانت تطلق على
+
+29
+00:03:26,280 --> 00:03:33,820
+الحقوق الاعتبارية أو المعنوية فقط. ومرة ثالثة أو
+
+30
+00:03:33,820 --> 00:03:40,170
+رابعة، استعملت كلمة الحق في معناها اللغوي فقط، الشيء
+
+31
+00:03:40,170 --> 00:03:44,870
+الثابت، أو الشيء الواجب، أو الشيء الموجود. فهذه
+
+32
+00:03:44,870 --> 00:03:50,390
+استعمالات متعددة. طبعا، الذي يبين لنا أي الاستعمالات
+
+33
+00:03:50,390 --> 00:03:55,550
+هو المقصود، هو السياق نفسه، سياق الحديث هو الذي يبين
+
+34
+00:03:55,550 --> 00:04:01,070
+لنا أي الاستعمالات هو المقصود. وكل ذي لبّ يستطيع أن
+
+35
+00:04:01,070 --> 00:04:05,370
+يميز، أن يميزها. إذا كان هذا الحق المقصود به هو
+
+36
+00:04:05,370 --> 00:04:09,850
+الشيء الثابت الموجود، أو المقصود به الحق عموما، أو
+
+37
+00:04:09,850 --> 00:04:16,370
+المقصود به نوعا معينا من أنواع الحقوق.
+
+38
+00:04:20,110 --> 00:04:25,530
+الحقوق يا إخوة، من حيث تقسيمها، خاصة عند القانونيين،
+
+39
+00:04:25,530 --> 00:04:31,230
+لأن أهل الشريعة أو علماء الشريعة عندما قسموا
+
+40
+00:04:31,230 --> 00:04:35,810
+الحقوق، عندهم تقسيم مشهور، وهو تقسيم، التقسيم الذي
+
+41
+00:04:35,810 --> 00:04:41,750
+نعرفه ربما، الحقوق منها حقوق لله، ومنها حقوق للعباد، و
+
+42
+00:04:41,750 --> 00:04:47,430
+أحيانا يضيفوا تقسيما ثالثا يجمع، يعني حق خالص لله عز
+
+43
+00:04:47,430 --> 00:04:53,230
+وجل، حق خالص للعباد، حق يغلب فيه حق الله على حق
+
+44
+00:04:53,230 --> 00:04:57,730
+العبد، وحق يغلب فيه حق العبد على حق الله سبحانه
+
+45
+00:04:57,730 --> 00:05:02,110
+وتعالى. فصارت أربعة، لكن التقسيم الرئيسي هو حقان، على
+
+46
+00:05:02,110 --> 00:05:07,750
+اعتبار أن ما يغلب عليه حق الله يندمج ويندرج مع
+
+47
+00:05:07,750 --> 00:05:13,890
+حقوق الله، وما يغلب عليه أنه حق للعبد يندرج مع الحق
+
+48
+00:05:13,890 --> 00:05:19,070
+الخالص للعبد. وهذا التقسيم يعني لن أقف عنده كثيرا،
+
+49
+00:05:20,440 --> 00:05:25,620
+لكن فقط أقول أن هناك اختلاف بين حقوق الله وحقوق
+
+50
+00:05:25,620 --> 00:05:34,740
+العباد من حيث الأثر والحكم. فحقوق العباد فيها
+
+51
+00:05:34,740 --> 00:05:41,440
+تشديد، فيها تشديد من حيث ضرورة
+
+52
+00:05:41,440 --> 00:05:46,120
+ردها إلى أصحابها، بخلاف حقوق الله سبحانه وتعالى،
+
+53
+00:05:46,120 --> 00:05:49,880
+كما يقول الفقهاء، حقوق الله مبنية على المسامحة،
+
+54
+00:05:49,880 --> 00:05:55,330
+وحقوق العبد مبنية على المشاححة. ولذلك، حتى عند التوبة
+
+55
+00:05:55,330 --> 00:06:00,190
+من الذنوب، إن كان ثمة حقوق لله سبحانه وتعالى، فإن
+
+56
+00:06:00,190 --> 00:06:03,190
+الله يغفرها سبحانه وتعالى. إذا كان الإنسان عاملا
+
+57
+00:06:03,190 --> 00:06:08,470
+مقصرًا في حقوق الله التي بينه وبينهم، إن لم يكن
+
+58
+00:06:08,470 --> 00:06:14,750
+مجال للقضاء، لكنه تاب عن ذلك، في يعني ربما يتوب الله
+
+59
+00:06:14,750 --> 00:06:22,290
+عليه، لكن إن كان عليك دين أو حق لعبد، فإن التوبة لا
+
+60
+00:06:22,290 --> 00:06:28,150
+تكفي، بل لابد بجانب التوبة من رد الحق إلى أصحابه،
+
+61
+00:06:28,150 --> 00:06:33,550
+لا يُعقل يعني أن تكون مدينة أو سارقة لمبلغ من
+
+62
+00:06:33,550 --> 00:06:37,270
+المال، ثم تتوب من سريقتك ولا ترد المال لصاحبه، أي
+
+63
+00:06:37,270 --> 00:06:44,860
+توبة هذه؟ إذا كل إنسان ممكن أن يقدم على معصية أو على
+
+64
+00:06:44,860 --> 00:06:50,900
+اعتداء على حقوق البشر، وبعد ذلك يقول تبت، فإن هذا من
+
+65
+00:06:50,900 --> 00:06:57,740
+أجل توثيق العلاقة بين الناس. من جانب آخر، هذا جانب
+
+66
+00:06:57,740 --> 00:07:01,880
+الفروق. من جانب آخر، أن حقوق الله في المقابل يعني
+
+67
+00:07:01,880 --> 00:07:10,350
+وإن كانت مبنية على المسامحة، لكن عند تطبيق العقوبات
+
+68
+00:07:10,350 --> 00:07:15,430
+المتعلقة بحقوق الله سبحانه وتعالى، لا مجال في حقوق
+
+69
+00:07:15,430 --> 00:07:19,490
+الله سبحانه وتعالى في الاعتداء على حقوق الله
+
+70
+00:07:19,490 --> 00:07:25,910
+كالجرائم، مثل الجرائم العامة التي تتعلق بالأمة، التي تتعلق
+
+71
+00:07:25,910 --> 00:07:33,740
+بالمجتمع، لا مجال للشفاعة، لا مجال لتدخل الفرد حتى
+
+72
+00:07:33,740 --> 00:07:38,960
+لو كان رئيس الدولة، لا مجال. واحد ثبت عليه .. ثبتت
+
+73
+00:07:38,960 --> 00:07:42,700
+عليه جريمة السرقة، جريمة شرب الخمر، جريمة الزنا،
+
+74
+00:07:42,700 --> 00:07:47,240
+جريمة .. كذا، من الجرائم هذه التي تعتبر من حقوق
+
+75
+00:07:47,240 --> 00:07:52,170
+الله سبحانه وتعالى. إذا ما ثبتت طبعا، بعد أن تثبت
+
+76
+00:07:52,170 --> 00:07:58,210
+بكاملها، بكامل شروطها، بكامل أركانها، ثبتت عليه
+
+77
+00:07:58,210 --> 00:08:04,380
+الجريمة، لا يأتي أن أحد، كائن من كان، ليتدخل. وكلنا
+
+78
+00:08:04,380 --> 00:08:09,080
+بي يعرف حديث الرسول صلى الله عليه وسلم لإسامة اللي
+
+79
+00:08:09,080 --> 00:08:14,840
+حاول أن يتدخل في المخزومية التي سرقت، قال: أتشفع
+
+80
+00:08:14,840 --> 00:08:21,460
+في حد من حدود الله؟ والله لو أن فاطمة بنت محمد
+
+81
+00:08:21,460 --> 00:08:28,680
+سرقت لقطعته يدها. مفيش تدخل ولا شفاعة، ولا كبير
+
+82
+00:08:28,680 --> 00:08:36,920
+ولا صغير، في هدي ولا غفير ولا وزير. من؟ ثبت في حقه
+
+83
+00:08:36,920 --> 00:08:42,900
+اقتراف وتجاوز على حقوق الله عز وجل، أو حد من
+
+84
+00:08:42,900 --> 00:08:46,860
+حدود الله على وجه الخصوص، فإنه لا مجال للشفاعة في
+
+85
+00:08:46,860 --> 00:08:51,200
+ذلك، وذلك من باب يعني الحماية للحقوق العامة. حق الله
+
+86
+00:08:51,200 --> 00:08:54,920
+بالمناسبة المقصود به الحق العام. حق الله، لما نقول
+
+87
+00:08:54,920 --> 00:08:59,200
+حق الله، هو ربنا سبحانه وتعالى يريد منها حقوق ولا
+
+88
+00:08:59,200 --> 00:09:04,160
+يريد منها مصالح، لكن المقصود أن يعبر عن الحق العام
+
+89
+00:09:04,330 --> 00:09:11,970
+بحق الله سبحانه وتعالى، من باب التخويف، من باب ذلك
+
+90
+00:09:11,970 --> 00:09:15,990
+أن الحق العام، الحق الفردي، هذا إله مطالب، يعني
+
+91
+00:09:15,990 --> 00:09:20,150
+الشخص بيقول، لكن الحق العام، في الغالب الحقوق
+
+92
+00:09:20,150 --> 00:09:24,410
+العامة بتلاقي الناس في نوع من التهاون فيها، فلذلك
+
+93
+00:09:24,410 --> 00:09:29,410
+نسبتها إلى الله حتى لا يتهاون الناس فيها. الحقوق
+
+94
+00:09:29,410 --> 00:09:33,790
+العامة، ينبغي أن يهتم الناس بها وأن يحافظوا
+
+95
+00:09:33,790 --> 00:09:38,630
+عليها، كما يحافظون على حقوقهم الفردية وحقوقهم
+
+96
+00:09:38,630 --> 00:09:44,030
+الشخصية. على كل الأحوال، هذا بالنسبة لفكرة تقسيم
+
+97
+00:09:44,030 --> 00:09:47,950
+الحقوق في الشريعة. لكن في القوانين، هناك تقسيم
+
+98
+00:09:47,950 --> 00:09:54,090
+اصطلاحي، هو في الحقيقة ليس منافيا ولا مخالفا ولا مضادا
+
+99
+00:09:54,090 --> 00:10:00,770
+ولا بأس به للشريعة. ليس معناه أنه تقسيم قانوني، أنه
+
+100
+00:10:00,770 --> 00:10:04,790
+مخالف للشريعة، مش بالضرورة، يعني. لكن هو تقسيم يعني
+
+101
+00:10:04,790 --> 00:10:13,090
+اصطلاحي من الواقع، من خلال الواقع الذي نشأ
+
+102
+00:10:13,090 --> 00:10:18,990
+في ظرف من الظروف أو في عصر من العصور. الحقوق أيها
+
+103
+00:10:18,990 --> 00:10:26,570
+الأخوة، في القانون أو في الواقع المعاصر، تقسم إلى
+
+104
+00:10:26,570 --> 00:10:38,950
+قسمين رئيسيين، حقوق، دعنا نقول حقوق دولية،
+
+105
+00:10:38,950 --> 00:10:46,470
+وحقوق يعني غير دولية، داخلية، ممكن.
+
+106
+00:10:49,940 --> 00:10:58,620
+هذا التقسيم الرئيسي، يعني الحقوق الدولية هي تلك
+
+107
+00:10:58,620 --> 00:11:07,940
+الحقوق التي تُؤتى لكل دولة من الدول بحيث يكون من
+
+108
+00:11:07,940 --> 00:11:19,650
+حقها أن يكون لها سيادة على دولتها، أرضًا وشعبًا وحدودًا،
+
+109
+00:11:19,650 --> 00:11:29,060
+ويكون من حقها أن تتعامل مع الدول التي حولها،مؤهدات
+
+110
+00:11:29,060 --> 00:11:35,660
+وعلاقات دولية، ويكون من حقها أن تدافع عن نفسها في
+
+111
+00:11:35,660 --> 00:11:42,180
+حالة الاعتداء عليها، أو أن تتخذ القرارات السيادية
+
+112
+00:11:42,180 --> 00:11:48,840
+التي تراها مناسبة في حق دولتها مع الدول الأخرى.
+
+113
+00:11:48,840 --> 00:11:54,930
+لحظة، يعني القوانين الدولية أو الحقوق الدولية تتعلق
+
+114
+00:11:54,930 --> 00:12:00,790
+في الجملة، بعلاقة الدولة مع الدول الأخرى. القوانين
+
+115
+00:12:00,790 --> 00:12:05,410
+التي، أو الحقوق التي تتعلق بقوانين تنظيم العلاقة بين
+
+116
+00:12:05,410 --> 00:12:12,010
+الدولة والدول الأخرى، هذه تسمى حقوق دولية. لكن في
+
+117
+00:12:12,010 --> 00:12:21,580
+المقابل، الحقوق التي تتعلق بالدولة نحو أفرادها، سلطة
+
+118
+00:12:21,580 --> 00:12:29,300
+الدولة على أفرادها وحقوقها
+
+119
+00:12:29,300 --> 00:12:34,560
+على أفرادها، وحقوق أفرادها عليها، هذه تسمى حقوق غير
+
+120
+00:12:34,560 --> 00:12:37,720
+دولية. هذه اللي إحنا بهتم بيها بالدرجة الأساسية،
+
+121
+00:12:37,720 --> 00:12:44,770
+الحقوق غير الدولية. وهذه تنقسم إلى ثلاثة أقسام، دعنا
+
+122
+00:12:44,770 --> 00:12:50,770
+يعني نوضح هذا التقسيم. يمكن أن تُقسم، طبعا هذا تقسيم
+
+123
+00:12:50,770 --> 00:12:56,390
+أيضا، يعني دعنا نسميه تقسيم اجتهادي وليس تقسيمًا منزلًّا
+
+124
+00:12:56,390 --> 00:13:02,670
+ولا قرآنيًا. تقسيم اجتهادي، وله كما قلت من الواقع نصيب.
+
+125
+00:13:02,670 --> 00:13:09,190
+حقوق، الحقوق الدولية أو الداخلية، منها حقوق سياسية،
+
+126
+00:13:09,190 --> 00:13:17,960
+ومنها حقوق عامة، ومن الحقوق خاصة أو مدنية. يعني
+
+127
+00:13:17,960 --> 00:13:22,960
+الدكتور هو دمج بكتاب، يعني واحد، اتنين، أربعة. لأ هو
+
+128
+00:13:22,960 --> 00:13:27,960
+نفسه، بس هو المفروض خطوة .. الخطوة هذه هو متجزئة.
+
+129
+00:13:27,960 --> 00:13:31,820
+أنا حبيت عشان التنبيه، يعني أهمها الأساس هي حقوق
+
+130
+00:13:31,820 --> 00:13:35,600
+دولية وغير دولية. الدولية خلصنا منها، اللي قلنا
+
+131
+00:13:35,600 --> 00:13:39,080
+عنها، يعني السلطات التي قررها القانون الدولي لكل
+
+132
+00:13:39,080 --> 00:13:44,140
+دولة من الدول في علاقتها مع جيرانها من الدول
+
+133
+00:13:44,140 --> 00:13:48,900
+الأخرى، ما لها وما عليها. أما الحقوق الدولية أو غير
+
+134
+00:13:48,900 --> 00:13:52,420
+الدولية التي تتعلق بعلاقة الدولة مع أفرادها
+
+135
+00:13:52,420 --> 00:13:58,790
+والمؤسسات التي في داخل الدولة نفسها، وهذه كما قلت
+
+136
+00:13:58,790 --> 00:14:03,890
+من اللي هي غير الدولية، منها حقوق سياسية، ومنها
+
+137
+00:14:03,890 --> 00:14:11,110
+عامة، ومنها الخاصة. يقصدوا بالحقوق السياسية، وأنتم
+
+138
+00:14:11,110 --> 00:14:16,750
+يعني أبناء مجتمع سياسي أو مُسَيَّس، ولا تجهلون هذه
+
+139
+00:14:16,750 --> 00:14:23,650
+الحقوق. لكن الحقوق السياسية، مفهومها هي تلك السلطات
+
+140
+00:14:23,650 --> 00:14:29,720
+التي تقرر، طبعا، تقرر من قبل أو من قبل حكمائها، أو من
+
+141
+00:14:29,720 --> 00:14:35,160
+قبل حكامها، أو من قبل أهل العقد والحل فيها، يعني
+
+142
+00:14:35,160 --> 00:14:40,700
+كبار القوم، هم الذين يقررون هذه الحقوق. يقررون حق
+
+143
+00:14:40,700 --> 00:14:44,800
+الانتخاب، يقررون حق الترشيح، يقررون ضوابط تولي
+
+144
+00:14:44,800 --> 00:14:50,580
+الوظائف العامة. الحقوق السياسية هي السلطات المقررة
+
+145
+00:14:50,580 --> 00:14:58,640
+للأشخاص باعتبارهم أعضاء في هيئة سياسية، يعني وكأن
+
+146
+00:14:58,640 --> 00:15:04,300
+أول حق، حق المواطنة، من الحقوق السياسية. تباريم أعضاء
+
+147
+00:15:04,300 --> 00:15:12,140
+كل من هو مولود أو موجود ومسجل في هذا البلد، فهو له
+
+148
+00:15:12,140 --> 00:15:15,320
+حق المواطنة، عضوا في هذه الهيئة السياسية المقامة
+
+149
+00:15:15,320 --> 00:15:21,720
+اللي هي اسمها الدولة. حق المواطنة الذي يتفرع عنه
+
+150
+00:15:21,720 --> 00:15:26,010
+يعني حق الانتخاب، والترشيح، وتولي الوظائف
+
+151
+00:15:26,010 --> 00:15:29,690
+العامة. إذن هي السلطات المقررة للأشخاص باعتبارهم
+
+152
+00:15:29,690 --> 00:15:34,630
+أعضاء في هيئة سياسية، والتي تمكنهم المواطنة هذه،
+
+153
+00:15:34,630 --> 00:15:39,770
+الآلية هذه في داخل الدولة، تمكنهم من الاشتراك في
+
+154
+00:15:39,770 --> 00:15:43,530
+نظام الحكم. مش بضرورة أنا علشان أكون مشارك في نظام
+
+155
+00:15:43,530 --> 00:15:48,510
+الحكم أن أكون رئيسًا للوزراء أو أكون وزيرًا أو أكون
+
+156
+00:15:48,510 --> 00:15:54,680
+مستشارًا، مش بضرورة. كوني أنا بانتخب هؤلاء، أنا مشارك
+
+157
+00:15:54,680 --> 00:15:59,420
+في نظام الحكم. كوني أنا بترشح، فزت ولا ما فزتش، أنا
+
+158
+00:15:59,420 --> 00:16:05,020
+اسمي مشارك في صناعة يعني الحكام أو الحكومة أو
+
+159
+00:16:05,020 --> 00:16:10,600
+البرلمان، أو يعني المشاركة المباشرة وغير المباشرة.
+
+160
+00:16:10,600 --> 00:16:14,820
+إذن، هي التي تمكنهم من الاشتراك في نظام الحكم، كحق
+
+161
+00:16:14,820 --> 00:16:22,640
+الانتخاب والترشيح وتولي الوظائف. يعني الأصل أن هذه
+
+162
+00:16:22,640 --> 00:16:27,280
+الحقوق تعتبر حقوق سياسية، لأن هذه الحقوق هي التي
+
+163
+00:16:27,280 --> 00:16:34,100
+تفرز الهيئة الحاكمة، هي التي تفرز الهيئة الحاكمة
+
+164
+00:16:34,100 --> 00:16:40,200
+التي تخطط السياسات العامة للدولة في معاملتها مع
+
+165
+00:16:40,200 --> 00:16:46,420
+المجتمع. النوع الثاني من أنواع الحقوق اللي هي
+
+166
+00:16:46,420 --> 00:16:51,860
+الحقوق العامة، وهذه ببساطة شديدة يا إخوة، الحقوق
+
+167
+00:16:51,860 --> 00:17:00,890
+العامة تسمى حقوق الإنسان، الحقوق الأساسية اللي لا يكاد
+
+168
+00:17:00,890 --> 00:17:05,030
+أن يكون فيها خلاف بين أبناء المجتمع الدولي. لكن
+
+169
+00:17:05,030 --> 00:17:09,210
+الحقوق السياسية ربما يختلف، تختلف كل دولة عن الدولة
+
+170
+00:17:09,210 --> 00:17:13,950
+في خطوط عامة، لكن ربما تختلف في قيود أو كذا، لكن
+
+171
+00:17:13,950 --> 00:17:18,150
+الحقوق العامة هي ما تُعرف بحق
+
+223
+00:21:49,950 --> 00:21:55,110
+غير عامة، يعني داخلية من حيثُ هي السلطات
+
+224
+00:21:55,110 --> 00:22:01,170
+المقررة للأشخاص، المحافظة على ذات الإنسانِ الأدمية
+
+225
+00:22:01,170 --> 00:22:07,470
+كإنسان له حقوقه، كإنسان يختلف عن سائر المخلوقات، هذا
+
+226
+00:22:07,470 --> 00:22:12,090
+الذي خلقه الله وكرمه الله سبحانه وتعالى ومنحه
+
+227
+00:22:12,090 --> 00:22:17,650
+العقل ومنحه القدرات، يبغي أن يكرم ويبغي أن يكون له
+
+228
+00:22:17,650 --> 00:22:24,570
+حقوق يحافظ عليها، كحقه في سلامة جسدهِ واستقلال
+
+229
+00:22:24,570 --> 00:22:31,600
+تفكيره، وحرية انتقاله، وحرمة سكنه، وغير ذلك من الحقوق،
+
+230
+00:22:31,600 --> 00:22:37,720
+هذه حقوق طبيعية، حقوق يعني بديهية كما يقولون، أو
+
+231
+00:22:37,720 --> 00:22:44,180
+حقوق الإنسان، النوع الثالث من الحقوق هي الحقوق
+
+232
+00:22:44,180 --> 00:22:53,560
+المدنية أو الحقوق الخاصة، وهذه الحقوق هي سلطات مقررة
+
+233
+00:22:53,560 --> 00:23:03,620
+في القانون الخاص للأشخاص، التي تمكنهم من نشاطهم في
+
+234
+00:23:03,620 --> 00:23:11,140
+المحيط العائلي والعلاقات الفردية، وتثبت للمواطنين
+
+235
+00:23:11,140 --> 00:23:19,780
+الأصليين، تثبت للمواطنين الأصليين الذين يعيشون في
+
+236
+00:23:19,780 --> 00:23:25,800
+هذه الدولة والخاضعين لسياستها
+
+237
+00:23:25,800 --> 00:23:34,240
+أو خلّينا نرجع نقول: إذا هذه اللي هي الحقوق الخاصة
+
+238
+00:23:34,240 --> 00:23:39,740
+لحظة يا إخوة، هذه الحقوق، يعني الحقوق العامة تثبت
+
+239
+00:23:39,740 --> 00:23:45,300
+لكل إنسان، تثبت كما قلنا لكل إنسان، لكن الدولة هي
+
+240
+00:23:45,300 --> 00:23:51,660
+التي تقوم على تطبيقها، لكن هنا الحقوق الخاصة أو
+
+241
+00:23:51,660 --> 00:23:58,440
+الحقوق المدنية هي يعني تلك الحقوق التي تتعلق
+
+242
+00:23:58,440 --> 00:24:03,760
+بنشاط الإنسان في محيطه العائلي أو في علاقاته
+
+243
+00:24:03,760 --> 00:24:08,020
+الفردية والاجتماعية
+
+244
+00:24:08,480 --> 00:24:14,700
+ويعني، مادام مواطناً في هذه الدولة، تثبت له حقوقه، حقه
+
+245
+00:24:14,700 --> 00:24:19,640
+في الزواج، حقه في الطلاق، حقه في يعني إنشاء علاقات
+
+246
+00:24:19,640 --> 00:24:26,280
+مع الأفراد، وإلى غير ذلك، على أي حال هذه الحقوق
+
+247
+00:24:26,280 --> 00:24:32,520
+الخاصة أو المدنية يمكن أن تقسم إلى يعني قسمين
+
+248
+00:24:32,520 --> 00:24:36,620
+رئيسيين: خاصة
+
+249
+00:24:37,620 --> 00:24:46,640
+أسرية أو عائلية، ومالية
+
+250
+00:24:46,640 --> 00:24:54,440
+نعم
+
+251
+00:24:54,440 --> 00:24:57,560
+العائلية
+
+252
+00:24:57,560 --> 00:25:05,040
+أو الأسرية هي السلطات يعني التي تقرر للأشخاص، يعني
+
+253
+00:25:06,330 --> 00:25:14,290
+بحيث يُعطى لكل شخص حقوق تتعلق بحياته العائلية
+
+254
+00:25:14,290 --> 00:25:21,450
+وحياته الزوجية، حقه في الزواج والمصاهرة، وثبوت
+
+255
+00:25:21,450 --> 00:25:27,110
+القرابة له، وهذه كلها حقوق تثبت للإنسان باعتباره
+
+256
+00:25:27,110 --> 00:25:31,250
+فرداً في داخل الأسرة، كل فرد في داخل الأسرة تثبت له
+
+257
+00:25:31,250 --> 00:25:35,030
+حقوق، يعني الزوج والزوجة، لكل منهما حقوق على
+
+258
+00:25:35,030 --> 00:25:39,130
+الآخر، الأب والابن، لكل منهما حقوق على الآخر،
+
+259
+00:25:39,130 --> 00:25:45,370
+وهكذا، الأقارب حتى لهم حقوق على بعضهم البعض،
+
+260
+00:25:45,370 --> 00:25:51,830
+والترتيب على العلاقات الأسرية متعدد، يعني منع زواجه
+
+261
+00:25:51,830 --> 00:25:56,870
+أو جواز.. زواج.. يعني.. يعني.. بالزواج يا إخوة
+
+262
+00:25:56,870 --> 00:26:02,390
+يصبح ال.. الذي.. ال.. تصبح المرأة التي كانت
+
+263
+00:26:02,390 --> 00:26:07,630
+حلالاً لك، تصبح حراماً أحياناً، يعني أنت لو تزوجت من
+
+264
+00:26:07,630 --> 00:26:13,450
+امرأة، فلا يجوز لك أن تتزوج من أمها أو ابنتها بعد
+
+265
+00:26:13,450 --> 00:26:19,520
+ذلك، لأنها أصبحت محرمة عليك بالمصاهرة، أو أختها
+
+266
+00:26:19,520 --> 00:26:26,020
+مؤقتاً، هناك مؤقتاً، أختها مؤقتاً، فلو ماتت أو طلقت
+
+267
+00:26:26,020 --> 00:26:34,000
+يجوز لك، لكن أثناء زوجيتك لامرأة، لا يجوز لك أن تجمع بين
+
+268
+00:26:34,000 --> 00:26:39,400
+أختين، وأن تجمع بين الأختين على كل الأحوال، إذن
+
+269
+00:26:39,400 --> 00:26:44,250
+هذه كلها حقوق تسمى بالحقوق الأسرية، أو الحقوق، أما
+
+270
+00:26:44,250 --> 00:26:49,610
+الحقوق المالية، هذه اللي تهمنا، يعني احنا كل هذا
+
+271
+00:26:49,610 --> 00:26:54,290
+التقسيم في الآخر عشان نصل للحقوق المالية، لأنه احنا
+
+272
+00:26:54,290 --> 00:26:58,590
+موضوعنا الحقوق والمعاملات المالية، وبيهمنا الحقوق
+
+273
+00:26:58,590 --> 00:27:02,330
+المعنوية، واحنا اللي بيهمنا في الحقوق المعنوية هيك
+
+274
+00:27:02,330 --> 00:27:09,080
+شيء وهو: هل يجوز أن يُؤخذ عائد مالي، يعني الحق المعنوي
+
+275
+00:27:09,080 --> 00:27:13,380
+ده إيه، الجثة تبعتنا، لكن احنا هذا من باب يعني
+
+276
+00:27:13,380 --> 00:27:19,700
+التوضيح ليس إلا، الحقوق المالية يا إخوة، هذه منها
+
+277
+00:27:19,700 --> 00:27:27,520
+حقوق تسمى بالشخصية، والثانية حقوق تسمى بالعينية
+
+278
+00:27:27,520 --> 00:27:31,020
+وثالثة معنوية
+
+279
+00:27:33,610 --> 00:27:39,970
+الحقوق الشخصية، تلقي الإلتزامات، ويعني حقيقة حتى
+
+280
+00:27:39,970 --> 00:27:44,230
+الشخصية هذه والعينية يمكن أن تدمج في نوع واحد
+
+281
+00:27:44,230 --> 00:27:47,670
+يعني.. يعني لأن الشخصية منها عينية ومنها غير
+
+282
+00:27:47,670 --> 00:27:52,630
+عينية، الإلتزامات التي تثبت لشخص على شخص، هذه تعتبر
+
+283
+00:27:52,630 --> 00:27:56,270
+حقوق مالية، أنا لي دين على فلان، أصبح حقاً.. أصبح
+
+284
+00:27:56,270 --> 00:28:04,460
+حقاً مالياً، أنا لي يعني قطعة أرض، واحد اقتصبها مثلاً أو
+
+285
+00:28:04,460 --> 00:28:11,920
+وضع يده عليها أو إلى غير ذلك، هذا حق لي ثابت لي
+
+286
+00:28:11,920 --> 00:28:18,500
+ومن حقي أن أطالب به، حق مالي عيني، حق مالي شخصي
+
+287
+00:28:18,500 --> 00:28:24,360
+عيني، شخصي، يعود إلي أنا وليس لأحد في شراكة، فإذا
+
+288
+00:28:24,360 --> 00:28:32,730
+اقتصبه أحد أو اختلط أو جُهِرَ من حقي، في كل هذه
+
+289
+00:28:32,730 --> 00:28:40,250
+الأحوال أن أطالب بها، وينبغي أن ترد الحقوق يا إخوة
+
+290
+00:28:40,250 --> 00:28:44,190
+العينية والحقوق الشخصية، ينبغي أن ترد إلى أصحابها
+
+291
+00:28:44,190 --> 00:28:49,470
+ومن واجب الدولة أن تحافظ على هذه الحقوق وأن تردها
+
+292
+00:28:49,470 --> 00:28:58,950
+إلى أصحابها، أما الحقوق المعنوية فهي موضوع حديثنا
+
+293
+00:28:58,950 --> 00:29:05,190
+ماذا يقصد بالحديث بالحقوق المعنوية؟ تعالوا نشوف
+
+294
+00:29:05,190 --> 00:29:14,310
+الآن، ماذا يقصد بالحقوق المعنوية؟ وما هي صورها؟ وما
+
+295
+00:29:14,310 --> 00:29:23,950
+هو حكم أخذ العائد المالي يعني عليها؟ طيب ال..
+
+296
+00:29:27,940 --> 00:29:32,760
+الحقوق المعنوية أيها الأخوة الكرام، أن تلاحظوا
+
+297
+00:29:32,760 --> 00:29:36,400
+الحقوق إجمالاً، معظم تعريفات الحقوق كانت عبارة عن
+
+298
+00:29:36,400 --> 00:29:43,000
+سلطة، سلطة، سلطة، أي حق كان سلطته أو اختصاص يُعطى
+
+299
+00:29:43,000 --> 00:29:47,900
+لمجموعة من الأفراد في مجال كذا وكذا، ولذلك فالحقوق
+
+300
+00:29:47,900 --> 00:29:53,990
+المعنوية كذلك، الحقوق المعنوية هي أيضاً سلطة، لأنه
+
+301
+00:29:53,990 --> 00:30:01,060
+مادام هذا حق، إذا هذا الحق أورثك سلطة، أورثك ملكية، أو
+
+302
+00:30:01,060 --> 00:30:08,660
+حقاً في التصرف، يسمى سلطة، لأنه ليس للإنسان سلطة على
+
+303
+00:30:08,660 --> 00:30:14,240
+شيء إذا لم يكن له حق فيه، ليس للإنسان سلطة يعني لما
+
+304
+00:30:14,240 --> 00:30:18,380
+تتصرف في شيء ليس لك، بيقول لك هو هذا لك، يعني كيف بأي
+
+305
+00:30:18,380 --> 00:30:23,120
+منطق؟ هو لك، هو حقك، لكن عندما يكون لك هذا الحق
+
+306
+00:30:23,780 --> 00:30:28,600
+وتتصرف فيه وتتسلط عليه، لا أحد يستطيع أن يحاسبك، هذا
+
+307
+00:30:28,600 --> 00:30:35,940
+إيه لي أنا، حقي أبيع، أشتري، أتصرف، أهدي، أتصدق، هذا ما
+
+308
+00:30:35,940 --> 00:30:40,440
+يُعرف بالتسلط، يعني إعطاء الحق في التصرف، عندما يعني
+
+309
+00:30:40,440 --> 00:30:45,100
+سلطة، يعني الحق في التصرف، إذا الحقوق المعنوية هي
+
+310
+00:30:45,100 --> 00:30:55,770
+سلطة لشخص على شيء، لكن احنا الآن نحكي عن حقوق معنوية
+
+311
+00:30:55,770 --> 00:31:03,290
+وليس حقوق عامة، الحقوق معنوية إذا شيء غير مادي، غير
+
+312
+00:31:03,290 --> 00:31:09,530
+محسوس، غير ملموس، غير مادي، معنوية إذا غير مادي
+
+313
+00:31:09,530 --> 00:31:19,870
+هو ثمرة فكره أو خياله ونشاطه
+
+314
+00:31:22,960 --> 00:31:32,760
+وحركته يا سيدي، إذا الحقوق المعنوية هي سلطة على
+
+315
+00:31:32,760 --> 00:31:40,460
+شخص أو لشخص، آسف، على شيء غير مادي، هو ثمرة فكره أو
+
+316
+00:31:40,460 --> 00:31:44,280
+خياله أو نشاطه أو حركته
+
+317
+00:31:45,860 --> 00:31:51,940
+يلحظ يا إخوة من هذا التعريف عدة أمور، أولاً أن
+
+318
+00:31:51,940 --> 00:32:00,520
+الحقوق المعنوية تتعلق بالأشياء غير المادية، لا تتعلق
+
+319
+00:32:00,520 --> 00:32:04,620
+بالأشياء العينية، لا تتعلق بالأشياء العينية، هذا هذا
+
+320
+00:32:04,620 --> 00:32:09,340
+المكتب هذا شيء عيني، هذا لو أنا هذا مملوك لي يسمى
+
+321
+00:32:09,340 --> 00:32:12,980
+حقاً مادياً، هذا الكمبيوتر لو كان مملوك لي، شيء عيني
+
+322
+00:32:12,980 --> 00:32:18,020
+محسوس، مرئي، يحمل، وإلى غير ذلك، لكن الحقوق المعنوية
+
+323
+00:32:18,020 --> 00:32:25,120
+تتعلق بأشياء غير مادية، قد يتفهمها العقل، يُدرَك، يعني
+
+324
+00:32:25,120 --> 00:32:29,060
+لما نقول غير مادية، مش معناها أنها بالمرة يعني مش
+
+325
+00:32:29,060 --> 00:32:34,980
+مُقْدَرَة عليها، لكن هذه تُدرَك إدراكاً، تُدرَك بالعقل ولا
+
+326
+00:32:34,980 --> 00:32:41,160
+تُدرَك بالحواس العادية، تُدرَك بالعقل ولا تُدرَك
+
+327
+00:32:41,160 --> 00:32:48,280
+بالحواس، ولذلك ستجد أن هذه الحقوق هي عادة ما يكون
+
+328
+00:32:48,280 --> 00:32:56,030
+أساسها أو سببها الأول أنها نتاج فكر الإنسان وعقله
+
+329
+00:32:56,030 --> 00:33:02,070
+وإبداعه، هي نتاج فكر الإنسان، يعني هي نتاج عقلي، نتاج
+
+330
+00:33:02,070 --> 00:33:07,930
+عقلي، في العقل، يعني ابتكر شيئاً معيناً من خلال
+
+331
+00:33:07,930 --> 00:33:13,410
+تفكيره، من خلال تدبره
+
+332
+00:33:13,410 --> 00:33:19,750
+من خلال تخيله، ويعني يمكن كثيرة تنهيء الإبتكارات
+
+333
+00:33:19,750 --> 00:33:24,610
+المعنوية، التي تكون، بل معظم الإبتكارات المعنوية هي
+
+334
+00:33:24,610 --> 00:33:33,030
+نتيجة الفكر والخيال والعلم والنشاط في الحياة
+
+335
+00:33:33,030 --> 00:33:38,110
+أحياناً حتى في نشاطه العادي يا إخوة الإنساني، يعني قد
+
+336
+00:33:38,110 --> 00:33:41,790
+يرتفع إلى شيء دون أن يُوجد عقله، في نشاطه ذهاباً
+
+337
+00:33:41,790 --> 00:33:46,190
+وإياباً، يعني مش Einstein أو خضر اللي كان الافتتاح
+
+338
+00:33:46,190 --> 00:33:55,250
+في الجاذبية، يعني هو لم يكن يبرمج لذلك، نيوتن لم يكن
+
+339
+00:33:55,250 --> 00:34:01,870
+يعني يعمل من أجل ذلك، ولكنه من خلال نشاطه الحركي في
+
+340
+00:34:01,870 --> 00:34:08,870
+الحياة التفت إلى هذه الظاهرة
+
+341
+00:34:08,870 --> 00:34:12,210
+الجاذبية
+
+342
+00:34:12,210 --> 00:34:17,250
+وهكذا، فأصبحت منسوبة إليه، أصبح هو اللي التفت إليه
+
+343
+00:34:17,250 --> 00:34:23,150
+بغض النظر، ويعني جيد إنه حرك عقله وانتبه إلى..
+
+344
+00:34:23,150 --> 00:34:29,630
+إلى ذلك، يعني كثيرون الذين انتبهوا لهذه أو قاموا
+
+345
+00:34:29,630 --> 00:34:36,970
+بهذه الحركة، لكن لم ينتبهوا لهذه الظاهرة، إذا الحقوق
+
+346
+00:34:36,970 --> 00:34:43,110
+المعنوية في الحقيقة هي ثمرة فكر وخيال ونشاط أو
+
+347
+00:34:43,110 --> 00:34:48,870
+الحركة، هذه الثمرة التي نتجت عن فكر شخص معين
+
+348
+00:34:48,870 --> 00:34:57,470
+أعطته الحق في أن يصبح هذا الناتج الفكري متسلطاً عليه،
+
+349
+00:34:57,470 --> 00:35:03,190
+ملكه، له الحق فيه، وهنا حقان يا إخوة، لتعلموا أنه
+
+350
+00:35:03,190 --> 00:35:14,450
+بمجرد أو إذا ثبت أن هذه.. هذه الفكرة هي نتاج عقلي
+
+351
+00:35:14,450 --> 00:35:22,010
+فلان أو فلان، فإنه يثبت له حقان، الحق الأول يمكن أن
+
+352
+00:35:22,010 --> 00:35:32,400
+نسميه حقاً أدبياً، يتمثل في نسبة هذه الفكرة لصاحبها،
+
+353
+00:35:32,400 --> 00:35:36,980
+نسبة هذا الإبداع، نسبة هذا الاختراع، نسبة هذا
+
+354
+00:35:36,980 --> 00:35:43,960
+المؤلف، نسبة هذه الفكرة، أي إن كانت طبعاً الفكرة يا
+
+355
+00:35:43,960 --> 00:35:47,480
+إخوة، لا تبقى فكرة أو لا يتعرف عليها إلا عندما
+
+356
+00:35:47,480 --> 00:35:54,840
+تتفرغ في بوتقة مادية، يعني مرات الرسام، حتى الرسام
+
+357
+00:35:54,840 --> 00:36:02,410
+قبل ما يرسم، رسم الرسم في خياله، في خياله.. هو بده
+
+358
+00:36:02,410 --> 00:36:04,950
+يرسم هكذا وهكذا.. هذه الرسمة اللي اتفتق عنها..
+
+359
+00:36:04,950 --> 00:36:09,770
+أنا مش هقدر اكتشفها.. أنا الطرف الآخر.. ولا هو
+
+360
+00:36:09,770 --> 00:36:15,090
+هقدر يستفيد منها.. ولا تُنْسَب إليه، ما لم تفرغ على
+
+361
+00:36:15,090 --> 00:36:23,890
+عرق.. ولا لا.. بعد هيك.. اللي المؤلف.. اللي
+
+362
+00:36:23,890 --> 00:36:31,010
+أصدر كتاباً.. هذا المؤلف قد تكون فكرته مراودة لعقله
+
+363
+00:36:31,010 --> 00:36:39,740
+موجودة، ما لم تُفَرَّغ في سطور، لا يستطيع أن يثبت لنفسه
+
+364
+00:36:39,740 --> 00:36:49,240
+حقاً، لأن أصلاً ما أحد بتطلع عليها، بعد أن تتجلى هذه
+
+365
+00:36:49,240 --> 00:36:56,920
+الفكرة في بوتقة مادية، يصبح له الحق الأول، حق نسبة
+
+366
+00:36:56,920 --> 00:37:03,180
+هذا العمل، هذا العمل له، اللي هو كان نتاج فكرة، أصبح
+
+367
+00:37:03,180 --> 00:37:10,360
+كتاباً، أصبح لوحة فنية، أصبح مسرحية، أصبح اختراعاً
+
+368
+00:37:10,360 --> 00:37:17,480
+وابتكاراً علمياً، يستفيد منه الناس، هذا يا إخوة، هذا
+
+369
+00:37:17,480 --> 00:37:23,240
+أولاً، ينبغي أن يحتفظ بنسبته إليه، ولا يجوز أن
+
+370
+00:37:23,240 --> 00:37:27,900
+يشاركه فيها أحد، ومشاركة أي واحد إليه تعتبر نوع من
+
+371
+00:37:27,900 --> 00:37:33,780
+الانتحال، للشخصية، نوع من الغش، نوع من التجاوز، نوع من
+
+372
+00:37:33,780 --> 00:37:38,280
+الخيانة، نوع من السرقة أو إلى غير ذلك، لا يجوز، الشيء
+
+373
+00:37:38,280 --> 00:37:44,260
+الثاني في الانتفاع المادي من ورائه، إذا كان هذا
+
+374
+00:37:44,260 --> 00:37:49,120
+العمل، والله، غير النسبة، النسبة شيء أدبي، أنا ألفت
+
+375
+00:37:49,120 --> 00:37:54,640
+الكتاب هذا، يعني خلاص، أنا ممكن أنا سامح في البدل
+
+376
+00:37:54,640 --> 00:38:00,620
+المالي، لكن.. لكن ممكن أنا أستفيد من حقي أن أنا
+
+377
+00:38:00,620 --> 00:38:06,260
+أبيعه بالثمن اللي أنا بدي إياه أو المناسب يعني، أو أن
+
+378
+00:38:06,260 --> 00:38:12,480
+كان ثمة من استفادة، فأنا أول المستفيدين، أو أنا أحقق
+
+379
+00:38:12,480 --> 00:38:18,140
+المستفيدين، والله، إذا كان هذا العمل، يعني اللي اخترع
+
+380
+00:38:18,140 --> 00:38:21,260
+الكهرباء، واللي اخترع التلفزيون، واللي اخترع أي
+
+381
+00:38:21,260 --> 00:38:28,270
+اختراع تسبب في نقلة نوعية للعالم، وقدم للعالم مصالح
+
+382
+00:38:28,270 --> 00:38:33,670
+كبرى، ويسّر عليهم، ووفر عليهم أموالاً، أليس من حقي أنا
+
+383
+00:38:33,670 --> 00:38:37,750
+الذي فتحت هذه البوابة، أن يكون لي عائداً مالياً؟
+
+384
+00:38:37,750 --> 00:38:46,370
+بالطبع نعم، فإذا هناك حق أدبي وهناك حق مالي، الحق
+
+385
+00:38:46,370 --> 00:38:52,290
+الأدبي يا إخوة، سوف نجد أنه لا خلاف فيه، لا بين
+
+386
+00:38:52,290 --> 00:38:56,830
+القانونيين ولا بين الشرعيين ولا علماء، مافيش مشكلة
+
+387
+00:38:56,830 --> 00:39:04,750
+الكل يثبت، ولا يجوز أن يعني ينتحل أحد عمل أحد مهما
+
+388
+00:39:04,750 --> 00:39:10,880
+كانت أسبابه، وكل من ينتحل، وهذا قديمًا وحديثاً، قديمًا
+
+389
+00:39:10,880 --> 00:39:15,860
+وحتى علماء المسلمين قديمًا كانوا يعني.. يعني
+
+390
+00:39:15,860 --> 00:39:1
+
+445
+00:44:36,600 --> 00:44:46,060
+تحليل، اقف عنده باختصار، ويعرف حقوق الابتكار، احنا
+
+446
+00:44:46,060 --> 00:44:49,760
+قلنا حقوق الابتكار أو الحقوق المعنوية، كله جائز
+
+447
+00:44:49,760 --> 00:44:54,400
+حقوق الابتكار هي عبارة عن الصور
+
+448
+00:44:56,440 --> 00:45:10,380
+الفكرية التي تفتقت عنها الملكة الراسخة في نفس
+
+449
+00:45:10,380 --> 00:45:25,980
+العالم أو الأديب ونحوه، مما يكون قد أبدعه هو ولم
+
+450
+00:45:29,510 --> 00:45:36,290
+يسبق إليه أو يسبقه إليه أحد، يعني فقط يا إخوان، سنجد
+
+451
+00:45:36,290 --> 00:45:40,670
+أن التعريف ليس كثيرًا مختلفًا، لكن يعني فيه بعض الإشارات
+
+452
+00:45:40,670 --> 00:45:42,610
+يعني الصور الفكرية
+
+453
+00:45:45,140 --> 00:45:49,320
+الفكرة، الفكرة المقصودة، الصور الفكرية، الفكرة بغض
+
+454
+00:45:49,320 --> 00:45:53,220
+النظر، يعني، وفيه لما نقول الصور الفكرية عن تعدد
+
+455
+00:45:53,220 --> 00:45:57,140
+الأفكار، في مختلف المجالات، الصور الفكرية التي
+
+456
+00:45:57,140 --> 00:46:01,040
+تفتقت عن الملكة الراسخة، كل إنسان له ملكات، كل إنسان
+
+457
+00:46:01,040 --> 00:46:06,200
+له قدرات تتفتق عنها أفكار في المجال وفي الميدان
+
+458
+00:46:06,200 --> 00:46:11,540
+الذي يتخصص فيه أو الذي يرغب فيه أو الذي يعني
+
+459
+00:46:11,540 --> 00:46:16,320
+يتملكه، الصور الفكرية التي تفتقت عنها الملكة
+
+460
+00:46:16,320 --> 00:46:20,700
+الراسخة في نفس العالم أو الأديب ونحوه، وهذا فيه
+
+461
+00:46:20,700 --> 00:46:26,900
+إشارة إلى أن حقوق الابتكار ليست حصرًا على القضايا
+
+462
+00:46:26,900 --> 00:46:31,600
+الأدبية والمؤلفات أو المصنفات، بل القضايا العلمية
+
+463
+00:46:31,600 --> 00:46:37,180
+والأدبية والفنية والكمبيوترية اليوم، يعني ما أكثر
+
+464
+00:46:37,180 --> 00:46:43,780
+التطور، الابتكارات المتعلقة بالكمبيوتر مثلًا ونحو
+
+465
+00:46:43,780 --> 00:46:52,490
+ذلك، مما يكون قد أبدعه هو، مما يكون قد أبدعه هو، مش
+
+466
+00:46:52,490 --> 00:46:57,110
+غيره، لا ينتهل إبداع غيره ولا فكرة غيره أبدًا، ولم
+
+467
+00:46:57,110 --> 00:47:01,570
+يسبق إليه أحد، هناك عناصر ثلاثة أيها الإخوة الكرام،
+
+468
+00:47:01,570 --> 00:47:08,510
+يعني يمكن أن، أو لابد من الإشارة إليها حتى تتحقق
+
+469
+00:47:12,470 --> 00:47:18,470
+الحق، أو حتى يثبت الحق، الصورة الأولى، أو ال... ال...
+
+470
+00:47:18,470 --> 00:47:22,510
+ال... ال... التي هي، أو العنصر الأول أن تكون
+
+471
+00:47:22,510 --> 00:47:27,990
+هناك بالفعل صورة فكرية، أن يكون في فكرة، في فكرة، و
+
+472
+00:47:27,990 --> 00:47:33,390
+أن تكون هذه الفكرة، يعني أن تكون هناك فكرة، وأن
+
+473
+00:47:33,390 --> 00:47:40,080
+تكون هذه الفكرة إبداعية، بمعنى غير مسبوقة، ولما احنا
+
+474
+00:47:40,080 --> 00:47:43,860
+بنقول إبداعية، سواء كانت جزئية أو كلية، جزئية
+
+475
+00:47:43,860 --> 00:47:52,390
+تطويرية أو كلية، لم يسبق إليها يعني أبدًا، ثم العنصر
+
+476
+00:47:52,390 --> 00:47:56,550
+الثاني، من العناصر التي أشار إليها التعريف، أن الأمر
+
+477
+00:47:56,550 --> 00:48:01,670
+وأن الفكرة ليس بالضرورة أن تكون محصورة في ميدان أو
+
+478
+00:48:01,670 --> 00:48:08,990
+في مجال معين من المجالات، بل تشمل كل المجالات على
+
+479
+00:48:08,990 --> 00:48:17,320
+كل أحوالها، ماذا عن حكم الحقوق الابتكار هذه في الشريعة
+
+480
+00:48:17,320 --> 00:48:21,160
+الإسلامية؟ هذا ما سنعرفه المرة القادمة إن شاء الله
+
+481
+00:48:21,160 --> 00:48:21,560
+تعالى
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/yTniAQnShy8_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/yTniAQnShy8_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..effaf446c815618520c4e2334fb9056d5c5de3d7
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/yTniAQnShy8_raw.srt
@@ -0,0 +1,1924 @@
+1
+00:00:21,230 --> 00:00:24,290
+أعوذ بالله من الشيطان الرجيم بسم الله الرحمن
+
+2
+00:00:24,290 --> 00:00:28,030
+الرحيم الحمد لله والصلاة والسلام على رسول الله
+
+3
+00:00:28,030 --> 00:00:33,050
+وعلى آله وصحبه ومن اهتدى بهديه واستنى بصناته إلى
+
+4
+00:00:33,050 --> 00:00:42,140
+يوم الدين وبعدمواصل حديثنا في مفردات المعاملات
+
+5
+00:00:42,140 --> 00:00:47,600
+المالية المعاصرة وكنا قد بدأنا نتحدث في المرة
+
+6
+00:00:47,600 --> 00:00:57,960
+الماضية عن الحقوق المعنوية بدأنا في الحديث عن الحق
+
+7
+00:00:57,960 --> 00:01:00,460
+وتعريفاته
+
+8
+00:01:01,470 --> 00:01:09,350
+سواء عند العلماء القدامى أو عند المؤاصرين وذلك بعد
+
+9
+00:01:09,350 --> 00:01:12,670
+أن أتممنا ما تبقى علينا في المحاضرة التي قبلها
+
+10
+00:01:12,670 --> 00:01:20,010
+وعرفنا أن العلماء القدامى في تعريفهم للحقوق أو في
+
+11
+00:01:20,010 --> 00:01:25,380
+تعريفاتهم للحقوق لم تكن تعريفات واضحةتعريفات في
+
+12
+00:01:25,380 --> 00:01:32,220
+الجملة اجتنفها الغموض والإجمال على اعتبار أن كلمة
+
+13
+00:01:32,220 --> 00:01:39,460
+الحق كلمة واضحة لديهم يعرفون مدلولها ومعناها أما
+
+14
+00:01:39,460 --> 00:01:45,780
+المحدثين فقد وجدنا يعني أنهم يعرفونها تعريفا فيه
+
+15
+00:01:45,780 --> 00:01:50,700
+نوع توضيح و تفصيل وأنها
+
+16
+00:01:51,900 --> 00:01:57,720
+أي الحقوق أو أنه أي الحق برعن اختصاص حاجز يقرره
+
+17
+00:01:57,720 --> 00:02:08,820
+الشرع أو أنه سلطة يقررها الشرع في هذا المجال أو
+
+18
+00:02:08,820 --> 00:02:15,480
+ذاك يعني وجدنا توضيحا من قبل العلماء المحدثين
+
+19
+00:02:15,480 --> 00:02:23,110
+لتعريفات الحقبقى علينا أن نتحدث عن تقسيمات الحقوق
+
+20
+00:02:23,110 --> 00:02:30,430
+لنقف على مأقى الحقوق المعنوية منها يعني ما الحديث
+
+21
+00:02:30,430 --> 00:02:37,610
+عن الحق وتعريفه وتقسيماته إلا من أجل أن نصل إلى
+
+22
+00:02:37,610 --> 00:02:44,690
+معرفة الحقوق المعنوية من حيث معناها وبعد ذلك حكمها
+
+23
+00:02:44,690 --> 00:02:51,550
+في الشريعات الإسلاميةاستعمالات ما .. استعمالات ما
+
+24
+00:02:51,550 --> 00:02:55,630
+.. نذكرها ان شاء الله مافيش مشكلة يعني هي
+
+25
+00:02:55,630 --> 00:03:01,890
+الاستعمالات باختصار يعني بعض الاستعمالات الحق يعني
+
+26
+00:03:01,890 --> 00:03:07,450
+استعملت كلمة الحق استعمالات متعددة استعملت بمعناه
+
+27
+00:03:07,450 --> 00:03:12,070
+العام بالمعنى العام اللذي يشمل الحقوق المادية
+
+28
+00:03:12,070 --> 00:03:20,740
+والمعنويةو استعملت بالمعنى الخاص الذي يتعلق فقط
+
+29
+00:03:20,740 --> 00:03:26,280
+بالحقوق العينية أحيانا و أحيانا أخرى كانت تطلق على
+
+30
+00:03:26,280 --> 00:03:33,820
+الحقوق الاعتبارية أو المعنوية فقط و مرة ثالثة أو
+
+31
+00:03:33,820 --> 00:03:40,170
+رابعة استعملت كلمة الحقفي معناها اللغوي فقط الشيء
+
+32
+00:03:40,170 --> 00:03:44,870
+الثابت او الشيء الواجب او الشيء الموجود فهذه
+
+33
+00:03:44,870 --> 00:03:50,390
+استعمالات متعددة طبعا الذي يبين لنا اي الاستعمالات
+
+34
+00:03:50,390 --> 00:03:55,550
+هو المقصود هو السياقنفسه سياق الحديث هو الذي يبين
+
+35
+00:03:55,550 --> 00:04:01,070
+لنا أي الاستعمالات هو المقصود وكل ذي لبن يستطيع ان
+
+36
+00:04:01,070 --> 00:04:05,370
+يبيز ان يميزها اذا كان هذا الحق المقصود به هو
+
+37
+00:04:05,370 --> 00:04:09,850
+الشيء الثابت الموجود او المقصود به الحق عموما او
+
+38
+00:04:09,850 --> 00:04:16,370
+المقصود به نوعا معينا من انواع الحقوق
+
+39
+00:04:20,110 --> 00:04:25,530
+الحقوق يا إخوة من حيث تقسيمها خاصة عند القانونيين
+
+40
+00:04:25,530 --> 00:04:31,230
+لأن أهل الشريعة أو علماء الشريعة عندما قسموا
+
+41
+00:04:31,230 --> 00:04:35,810
+الحقوق عندهم تقسيم مشهور وهو تقسيم التقسيم الذي
+
+42
+00:04:35,810 --> 00:04:41,750
+نعرفه ربما الحقوق منها حقوق لله ومنها حقوق للعدل و
+
+43
+00:04:41,750 --> 00:04:47,430
+أحيانا يضيفوا تقسيما ثالث يجمع يعني حق خالص لله عز
+
+44
+00:04:47,430 --> 00:04:53,230
+وجل الحق خالص للعدلحق يغلب فيه حق الله على حق
+
+45
+00:04:53,230 --> 00:04:57,730
+العبد وحق يغلب فيه حق العبد على حق الله سبحانه
+
+46
+00:04:57,730 --> 00:05:02,110
+وتعالى فصارت أربعة لكن التقسيم الرئيسي هو حقان على
+
+47
+00:05:02,110 --> 00:05:07,750
+اعتبار أن ما يغلب عليه حق الله يندمج ويندرج مع
+
+48
+00:05:07,750 --> 00:05:13,890
+حقوق الله وما يغلب عليه أنه حق للعبد يندرج مع الحق
+
+49
+00:05:13,890 --> 00:05:19,070
+الخالص للعبد وهذا التقسيم يعني لن أقف عنده كثيرا
+
+50
+00:05:20,440 --> 00:05:25,620
+لكن فقط أقول أن هناك تختلاف بين حقوق الله وحقوق
+
+51
+00:05:25,620 --> 00:05:34,740
+العبد من حيث الأثر والحكم فحقوق العباد فيها
+
+52
+00:05:34,740 --> 00:05:41,440
+تشددفيها تشدد من حيث ضرورة
+
+53
+00:05:41,440 --> 00:05:46,120
+ردها إلى أصحابها، بخلاف حقوق الله سبحانه وتعالى،
+
+54
+00:05:46,120 --> 00:05:49,880
+كما يقول الفقار، حقوق الله مبنية على المسامحة،
+
+55
+00:05:49,880 --> 00:05:55,330
+وحقوق العبد مبنية على المشاححةولذلك حتى عند التوبة
+
+56
+00:05:55,330 --> 00:06:00,190
+من الذنوب، إن كان ثمة حقوق لله سبحانه وتعالى، فإن
+
+57
+00:06:00,190 --> 00:06:03,190
+الله يغفرها سبحانه وتعالى، إذا كان الإنسان العام
+
+58
+00:06:03,190 --> 00:06:08,470
+مقصر في حق الحقوق الله التي بينه وبينهم، إن لم يكن
+
+59
+00:06:08,470 --> 00:06:14,750
+مجال للقضاء، لكنه تاب عن ذلك، فيعني ربمايتوب الله
+
+60
+00:06:14,750 --> 00:06:22,290
+عليه، لكن إن كان عليك دين أو حق لعبد فإن التوبة لا
+
+61
+00:06:22,290 --> 00:06:28,150
+تكفي، بل لابد بجانب التوبة من رد الحق إلى أصحابه،
+
+62
+00:06:28,150 --> 00:06:33,550
+لا يُعقل يعني أن تكون مدينة أو سارقة لمبلغ من
+
+63
+00:06:33,550 --> 00:06:37,270
+المال ثم تتوب من سريقتك ولا ترد المال لصاحبه، أي
+
+64
+00:06:37,270 --> 00:06:44,860
+توبة هذهإذا كل إنسان ممكن أن يقدم على معصية أو على
+
+65
+00:06:44,860 --> 00:06:50,900
+اعتداء على حقوق البشر وبعد ذلك يقول تبتلان فهذا من
+
+66
+00:06:50,900 --> 00:06:57,740
+أجل توثيق العلاقة بين الناس من جانب أخر هذا جانب
+
+67
+00:06:57,740 --> 00:07:01,880
+الفروق من جانب أخر أن حقوق الله في المقابل يعني
+
+68
+00:07:01,880 --> 00:07:10,350
+وإن كانت مبنية على المسامحةلكن عند تطبيق العقوبات
+
+69
+00:07:10,350 --> 00:07:15,430
+المتعلقة بحقوق الله سبحانه وتعالى لا مجالة في حقوق
+
+70
+00:07:15,430 --> 00:07:19,490
+الله سبحانه وتعالى في الاعتداء على حقوق الله
+
+71
+00:07:19,490 --> 00:07:25,910
+كالجرائم مثل العامة التي تتعلق بالأمة التي تتعلق
+
+72
+00:07:25,910 --> 00:07:33,740
+بالمجتمع لا مجالة للشفاعة لا مجالة لتدخل الفردحتى
+
+73
+00:07:33,740 --> 00:07:38,960
+لو كان رئيس الدولة، لا مجال، واحد ثبت عليه .. ثبتت
+
+74
+00:07:38,960 --> 00:07:42,700
+عليه جريمة السرقة، جريمة شرب الخمر، جريمة الزنا،
+
+75
+00:07:42,700 --> 00:07:47,240
+جريمة .. كذا، من الجرائم هذه التي تعتبر من حقوق
+
+76
+00:07:47,240 --> 00:07:52,170
+الله سبحانه وتعالىاذا ما ثبتت طبعا بعد أن تثبت
+
+77
+00:07:52,170 --> 00:07:58,210
+بكاملها، بكامل شروطها، بكامل أركانها، ثبتت عليه
+
+78
+00:07:58,210 --> 00:08:04,380
+الجريمة، لا يأتي أن أحد كائن من كان ليتدخلوكلنا
+
+79
+00:08:04,380 --> 00:08:09,080
+بيعرف حديث الرسول صلى الله عليه وسلم لإسامة اللي
+
+80
+00:08:09,080 --> 00:08:14,840
+حاول أن يتدخل في المخزومية اللتي سرقت، قال أتشفع
+
+81
+00:08:14,840 --> 00:08:21,460
+في حد من حدود الله؟ والله لو أن فاطمة بنت محمد
+
+82
+00:08:21,460 --> 00:08:28,680
+سرقت لقطعته يلعب، مافيش تدخل ولا شفاعة ولا أكبير
+
+83
+00:08:28,680 --> 00:08:36,920
+ولا صغير، في هدهي ولا غفير ولا وزيرمن؟ثبت في حقه
+
+84
+00:08:36,920 --> 00:08:42,900
+اقتداء وتجاوز على حق الحقوق الله عز وجل أو حد من
+
+85
+00:08:42,900 --> 00:08:46,860
+حدود الله على وجه الخصوص فإنه لا مجال للشفاعة في
+
+86
+00:08:46,860 --> 00:08:51,200
+ذلك وذلك من باب يعني الحماية للحقوق العامة حق الله
+
+87
+00:08:51,200 --> 00:08:54,920
+بالمناسبة المقصود بيه الحق العام حق الله لما نقول
+
+88
+00:08:54,920 --> 00:08:59,200
+حق الله هو ربنا سبحانه وتعالى يريد منها حقوق ولا
+
+89
+00:08:59,200 --> 00:09:04,160
+يريد منها مصالح لكن المقصود ان يعبر عن الحق العام
+
+90
+00:09:04,330 --> 00:09:11,970
+بحق الله سبحانه وتعالى من باب التخويف، من باب ذلك
+
+91
+00:09:11,970 --> 00:09:15,990
+أن الحق العام، الحق الفردي، هذا إله مطالب، يعني
+
+92
+00:09:15,990 --> 00:09:20,150
+الشخص بيقول، لكن الحق العام، في الغالب الحقوق
+
+93
+00:09:20,150 --> 00:09:24,410
+العامة بتلاقي الناس في نوع من التهاون فيها، فلذلك
+
+94
+00:09:24,410 --> 00:09:29,410
+نسبتها إلى الله حتى لا يتهاون الناس فيهاالحقوق
+
+95
+00:09:29,410 --> 00:09:33,790
+العامة ينبغي اللي يتهاول الناس فيها وأن يحافظوا
+
+96
+00:09:33,790 --> 00:09:38,630
+عليها كما يحافظون علي حقوقهم الفردية وحقوقهم
+
+97
+00:09:38,630 --> 00:09:44,030
+الشخصية على كل الأحوال هذا بالنسبة لفكر تقسيم
+
+98
+00:09:44,030 --> 00:09:47,950
+الحقوق في الشريعة لكن في القوانين هناك تقسيم
+
+99
+00:09:47,950 --> 00:09:54,090
+اصطلاحي هو في الحقيقة ليس منافن ولا مخالف ولا مضاد
+
+100
+00:09:54,090 --> 00:10:00,770
+ولا بأس فيه للشريعة ليس معناه أنه تقسيم قانوني أنه
+
+101
+00:10:00,770 --> 00:10:04,790
+مخالف للشريعة مش بالضرورة يعنيلكن هو تقسيم يعني
+
+102
+00:10:04,790 --> 00:10:13,090
+اصطلاحي من الواقع، من خلال الواقع الذي نشأ
+
+103
+00:10:13,090 --> 00:10:18,990
+في ظرف من الظروف أو في عصر من العصورالحقوق أيها
+
+104
+00:10:18,990 --> 00:10:26,570
+الأخوة في القانون أو في الواقع المعاصر تقسم إلى
+
+105
+00:10:26,570 --> 00:10:38,950
+قسمين رئيسيين حقوق دعنا نقول حقوق دولية
+
+106
+00:10:38,950 --> 00:10:46,470
+وحقوق يعني غير دولية داخلية ممكن
+
+107
+00:10:49,940 --> 00:10:58,620
+هذا تقسيم الرئيسي يعني الحقوق الدولية هي تلك
+
+108
+00:10:58,620 --> 00:11:07,940
+الحقوق التي توطى لكل دولة من الدول بحيث يكونوا من
+
+109
+00:11:07,940 --> 00:11:19,650
+حقهاأن يكون لها سيادة على دولتها أرضا وشعبا وحدودا
+
+110
+00:11:19,650 --> 00:11:29,060
+ويكون من حقها أن تتعامل مع الدول التي حولهامؤهدات
+
+111
+00:11:29,060 --> 00:11:35,660
+وعلاقات دولية ويكون من حقها أن تدافع عن نفسها في
+
+112
+00:11:35,660 --> 00:11:42,180
+حالة الاعتداء عليها أو أن تتاخذ القرارات السيادية
+
+113
+00:11:42,180 --> 00:11:48,840
+التي تراها مناسبة في حق دولتها مع الدول الأخرى
+
+114
+00:11:48,840 --> 00:11:54,930
+لحظة يعني القوانينالدولية أو الحقوق الدولية تتعلق
+
+115
+00:11:54,930 --> 00:12:00,790
+في الجملة بعلاقة الدولة مع الدول الأخرى القوانين
+
+116
+00:12:00,790 --> 00:12:05,410
+التي أو الحقوق التي تتعلق بقوانين طبط العلاقة بين
+
+117
+00:12:05,410 --> 00:12:12,010
+الدولة والدول الأخرى هذه تسمى حقوق دولية لكن في
+
+118
+00:12:12,010 --> 00:12:21,580
+المقابل الحقوق التي تتعلق بالدولة نحو أفرادهاسلطة
+
+119
+00:12:21,580 --> 00:12:29,300
+الدولة على أفرادها وحقوقها
+
+120
+00:12:29,300 --> 00:12:34,560
+على أفرادها وحقوق أفرادها عليها هذه تسمى حقوق غير
+
+121
+00:12:34,560 --> 00:12:37,720
+دولية هذه اللي احنا بتهمناه بالدرجة الأساسية
+
+122
+00:12:37,720 --> 00:12:44,770
+الحقوق غير الدولية وهذه تنقسم إلى ثلاثةأقسم دعنا
+
+123
+00:12:44,770 --> 00:12:50,770
+يعني نوضح هذا التقسيم يمكن أن تُقسم طبعا هذا تقسيم
+
+124
+00:12:50,770 --> 00:12:56,390
+أيضا يعني دعنا نسميه تقسيم اجتهادي وليس تقسيم منزل
+
+125
+00:12:56,390 --> 00:13:02,670
+ولا قرآني تقسيم اجتهادي وله كما قلت من الواقع نصيب
+
+126
+00:13:02,670 --> 00:13:09,190
+حقوق الحقوق الدولية أو الداخلية منها حقوق سياسية
+
+127
+00:13:09,190 --> 00:13:17,960
+ومنها حقوق عامةومن الحقوق خاصة او مدنية يعني
+
+128
+00:13:17,960 --> 00:13:22,960
+الدكتور هو دمج بكتاب يعني واحد اتنين اربعةلأ هو
+
+129
+00:13:22,960 --> 00:13:27,960
+نفسه بس هو المفروض خطوة .. الخطوة هذه هو متجوزة
+
+130
+00:13:27,960 --> 00:13:31,820
+أنا حبيت عشان التنبيه يعني أماهم الأساس هي حقوق
+
+131
+00:13:31,820 --> 00:13:35,600
+دولية و غير دولية الدولية خلصنا منها اللي قلنا
+
+132
+00:13:35,600 --> 00:13:39,080
+عنها يعني السلطات اللتي قررها القانون الدولي لكل
+
+133
+00:13:39,080 --> 00:13:44,140
+دولة من الدول في علاقتها مع جيرانها من الدول
+
+134
+00:13:44,140 --> 00:13:48,900
+الأخرى ما لها و ما عليهاأما الحقوق الدولية أو غير
+
+135
+00:13:48,900 --> 00:13:52,420
+الدولية التي تتعلق بعلاقة الدولة مع أفرادها
+
+136
+00:13:52,420 --> 00:13:58,790
+والمؤسسات التي في داخل الدولة نفسهاو هذه كما قلت
+
+137
+00:13:58,790 --> 00:14:03,890
+من اللي هي غير الدولية منها حقوق سياسية و منها
+
+138
+00:14:03,890 --> 00:14:11,110
+عامة و منها الخاصة يقصدوا بالحقوق السياسية و أنتم
+
+139
+00:14:11,110 --> 00:14:16,750
+يعني أبناء مجتمع سياسي أو مسيس و لا تجهلون هذه
+
+140
+00:14:16,750 --> 00:14:23,650
+الحقوق لكن الحقوق السياسية مفهومها هي تلكم السلطات
+
+141
+00:14:23,650 --> 00:14:29,720
+التي تقرر طبعا تقرر من قبلأو من قبل حُكمائها أو من
+
+142
+00:14:29,720 --> 00:14:35,160
+قبل حُكّامها أو من قبل أهل العقد والحلثيها يعني
+
+143
+00:14:35,160 --> 00:14:40,700
+كبار القوم هم الذين يقررون هذه الحقوق يقررون حق
+
+144
+00:14:40,700 --> 00:14:44,800
+الانتخاب يقررون حق الترشيح يقررون ضوابط تولي
+
+145
+00:14:44,800 --> 00:14:50,580
+الوظائف العامة.الحقوق السياسي هي السلطات المقررة
+
+146
+00:14:50,580 --> 00:14:58,640
+للأشخاص باعتبارهم أعضاءفي هيئة سياسية يعني وكأن
+
+147
+00:14:58,640 --> 00:15:04,300
+أول حق حق المواطنة من الحقوق السياسية تباريم أعضاء
+
+148
+00:15:04,300 --> 00:15:12,140
+كل من هو مولود أو موجود ومسجل في هذا البلد فهو له
+
+149
+00:15:12,140 --> 00:15:15,320
+حق المواطنة عضوا في هذه اللاية السياسية المقاومة
+
+150
+00:15:15,320 --> 00:15:21,720
+اللي هي اسمها الدولة حق المواطنة الذي يتفرع عنه
+
+151
+00:15:21,720 --> 00:15:26,010
+يعني حق الانتصارالتخاب والترشيح وتولي الوظائف
+
+152
+00:15:26,010 --> 00:15:29,690
+العامة، إذن هي السلطات المقررة للأشخاص باعتبارهم
+
+153
+00:15:29,690 --> 00:15:34,630
+أعضاء في هيئة سياسية والتي تمكنهم المواطنة هذه،
+
+154
+00:15:34,630 --> 00:15:39,770
+الأضوية هذه في داخل الدولة تمكنهم من الاشتراك في
+
+155
+00:15:39,770 --> 00:15:43,530
+نظام الحكم، مش بضرورة أنا علشان أكون مشترك في نظام
+
+156
+00:15:43,530 --> 00:15:48,510
+الحكم أن أكون رئيسا للوزراء أو أكون وزيرا أو أكون
+
+157
+00:15:48,510 --> 00:15:54,680
+مستشارا، مش بضرورةكوني انا بانتخب هؤلاء انا مشارك
+
+158
+00:15:54,680 --> 00:15:59,420
+في نظام الحكم كوني انا بترشح فوزت ولا مافوزتش انا
+
+159
+00:15:59,420 --> 00:16:05,020
+اسمي مشارك في صناعتي يعني الحكام او الحكومة او
+
+160
+00:16:05,020 --> 00:16:10,600
+البرلمان او يعني المشاركي المباشر و غير المباشر
+
+161
+00:16:10,600 --> 00:16:14,820
+اذا انا اللتي تمكنهم من الاشتراك في نظام الحكم كحق
+
+162
+00:16:14,820 --> 00:16:22,640
+الانتخاب والترشيح وتولي الوظائفيعني الأصل أن هذه
+
+163
+00:16:22,640 --> 00:16:27,280
+الحقوق تعتبر حقوق سياسية لأن هذه الحقوق هي التي
+
+164
+00:16:27,280 --> 00:16:34,100
+تفرزالهيئة الحاكمة هي التي تفرز الهيئة الحاكمة
+
+165
+00:16:34,100 --> 00:16:40,200
+التي تخطو السياسات العامة للدولة في معاملتها مع
+
+166
+00:16:40,200 --> 00:16:46,420
+المجتمع النوع الثاني من أنواع الحقوق اللي هي
+
+167
+00:16:46,420 --> 00:16:51,860
+الحقوق العامة وهذه ببساطة شديدة يا إخوة الحقوق
+
+168
+00:16:51,860 --> 00:17:00,890
+العامة تسمى حقوق الإنسانالحقوق الأساسي اللي لا يكد
+
+169
+00:17:00,890 --> 00:17:05,030
+أن يكون فيها خلاف بين أبناء المجتمع الدولي لكن
+
+170
+00:17:05,030 --> 00:17:09,210
+الحقوق السياسية ربما يختلف تختلف كل دولة عن الدولة
+
+171
+00:17:09,210 --> 00:17:13,950
+في خطوط عامة لكن ربما تختلف في قيود أو كذا لكن
+
+172
+00:17:13,950 --> 00:17:18,150
+الحقوق العامة هي ما تُعرف بحقوق الإنسان واللي هي
+
+173
+00:17:18,150 --> 00:17:25,280
+في مساق كامل يدرس يدرس في جامعتناحول حقوق الإنسان
+
+174
+00:17:25,280 --> 00:17:30,760
+نظرا لأهمية هذا النوع من أنواع الحقوق ونظرا لخطورة
+
+175
+00:17:30,760 --> 00:17:36,910
+انتهاك هذه الحقوق يعني كل شيء ممكن يتقبلفي تجاوز
+
+176
+00:17:36,910 --> 00:17:42,110
+الحقوق ويمكن أن يُسكت عنه إلا مسألة حقوق الإنسان
+
+177
+00:17:42,110 --> 00:17:47,310
+إلا الحقوق العامة حق الحياة حق التنقل حق السفر حق
+
+178
+00:17:47,310 --> 00:17:53,390
+السكن حق الحريات العامة هذه هي الحقوق العامة تسمى
+
+179
+00:17:53,390 --> 00:17:58,070
+التي يشترك فيها الناس جميعا لا ينبغي أن يفرق بين
+
+180
+00:17:58,070 --> 00:18:01,570
+أحد و أحدفي الحقوق السياسية اللي صار وزير اللي صار
+
+181
+00:18:01,570 --> 00:18:05,930
+نائب أصبح له حقوق مختلفة عن الشخص الآخر لكن الآن
+
+182
+00:18:05,930 --> 00:18:10,290
+في الحقوق العامة الأصل أن هذه الحقوق لا فرق فيها
+
+183
+00:18:10,290 --> 00:18:16,730
+بين شخص وشخص مادام هذا الإنسان مواطن في الدولة فله
+
+184
+00:18:16,730 --> 00:18:23,370
+هذا الحق يعني بأي أي وظيفة تقلد وفي أي منصب إن كان
+
+185
+00:18:25,510 --> 00:18:29,930
+يعني مش للبشر كلهم بس للإنسان الدولة بقى ما هو كل
+
+186
+00:18:29,930 --> 00:18:34,430
+.. معناه دالك للبشر كلهم مدام إحنا بنقول لأ كل عضو
+
+187
+00:18:34,430 --> 00:18:39,990
+في الدولة و العالم مكوّن من دول إذا هي للبشر كلهم
+
+188
+00:18:39,990 --> 00:18:47,450
+أه نعم أه أه لكن هناك دول لكن يعني احنا يعني جزك
+
+189
+00:18:47,450 --> 00:18:51,210
+عشان ليش مش .. ما تكونش دولية يعني جزك تقول دلوقت
+
+190
+00:18:51,210 --> 00:18:56,270
+توجد مثال على الدولة كذالأ يعني هو ممكن ننظر إليها
+
+191
+00:18:56,270 --> 00:19:01,830
+من وجهينداخلية لأنها كل دولة هي المسؤولة من حيث
+
+192
+00:19:01,830 --> 00:19:06,350
+كونها هي المسؤولة عن تنفيذ هذه الحقوق بتصير داخلية
+
+193
+00:19:06,350 --> 00:19:10,570
+لكن حقيقة بالفعل حقوق الإنسان يعني هو القانون
+
+194
+00:19:10,570 --> 00:19:16,770
+الدولي الإنساني اسمه حقوق الإنسان يعني التي لوضحها
+
+195
+00:19:16,770 --> 00:19:22,070
+حاجة اسمها القانون الدولي الإنساني بالفعل لكن يعني
+
+196
+00:19:22,070 --> 00:19:27,320
+كل دولة هي التي تقومبتطبيق هذا القانون داخليا على
+
+197
+00:19:27,320 --> 00:19:32,320
+أبنائه من هنا يعني هناك جانب داخلي من حيث التطبيق
+
+198
+00:19:32,320 --> 00:19:37,540
+والتنفيذ وهناك جانب بالفعل دولي من حيث أساس ومبدأ
+
+199
+00:19:37,540 --> 00:19:42,820
+هذه الحقوق يعني حقيقة كلامك له وجهها من حيث الجانب
+
+200
+00:19:42,820 --> 00:19:47,420
+الآخر في جانب دولي معلش لكن في جانب داخلي من حيث
+
+201
+00:19:47,420 --> 00:19:51,880
+أن التطبيقيتموا لكل دولة واحنا بنشوف كيف ان الدول
+
+202
+00:19:51,880 --> 00:19:55,960
+بتختلف في عن بعضها لبعض في عملية التطبيق هناك دول
+
+203
+00:19:55,960 --> 00:20:03,900
+يعني بالفعل تعظم وتهتم وتقدس الحقوق الفردية هذه
+
+204
+00:20:03,900 --> 00:20:09,560
+الحقوق وتعطي الفرد مطلق الحرية وهناك دول يعني تسحق
+
+205
+00:20:09,560 --> 00:20:13,100
+وتمنع
+
+206
+00:20:13,100 --> 00:20:21,640
+وتضيق على الأفرادمن دولة لدولة و لذلك صار فيه نوع
+
+207
+00:20:21,640 --> 00:20:28,340
+من الصفة الداخلية او لان كل دولة و على اعتبار ان
+
+208
+00:20:28,340 --> 00:20:32,360
+الدولة هي المسؤول الاول يعني بالمناسبة يا اخوة
+
+209
+00:20:32,360 --> 00:20:37,300
+قانون الدول الإنساني ليس له صفة الإلزام يعني
+
+210
+00:20:37,300 --> 00:20:41,760
+الدولة مع ان الاصل ان الدولة يعني تحمي حقوق
+
+211
+00:20:41,760 --> 00:20:48,410
+الإنسان لأفرادها لكن في ما له لم تفعلذلك يعني نحن
+
+212
+00:20:48,410 --> 00:20:52,670
+عيشنا هذه الفترة ونعيش والآن معظم الدول العالم
+
+213
+00:20:52,670 --> 00:20:56,330
+الثالث أو دول الشرق الأوسط أو الدول الإسلامية و
+
+214
+00:20:56,330 --> 00:21:03,830
+الشرق أوسطية معظمها يعني لا تقطي المواطن حقوقه
+
+215
+00:21:03,830 --> 00:21:08,290
+العامة على الوجه الذي ينبغي وما ذلك لم يفعل
+
+216
+00:21:08,290 --> 00:21:15,470
+المجتمع الدولي شيئالها مجرد ان تقارير او يعني
+
+217
+00:21:15,470 --> 00:21:21,630
+استبانات او كذا الى غير ذلك او توضيحات هذه الدولة
+
+218
+00:21:21,630 --> 00:21:24,570
+تغطي حقوق الإنسان وهذه لا تغطي حقوق الإنسان وهذه
+
+219
+00:21:24,570 --> 00:21:26,190
+كذا وهذه كذا ليس الا
+
+220
+00:21:30,110 --> 00:21:35,030
+حقيقة وإن هذه يعني لاحظ هي وإن كانت داخلية لكن
+
+221
+00:21:35,030 --> 00:21:42,390
+تسميتها بالعامة أيضا يعطي هذه الصفة إذا هي لحظة
+
+222
+00:21:42,390 --> 00:21:49,950
+هذه الحقوق الغير دولية العامةحقوق غير دولية لكن
+
+223
+00:21:49,950 --> 00:21:55,110
+غير عامة يعني داخلية من حيثه يعني هي السلطات
+
+224
+00:21:55,110 --> 00:22:01,170
+المقررة للأشخاص المحافظة على ذات الأدميةالإنسان
+
+225
+00:22:01,170 --> 00:22:07,470
+كإنسان له حقوقه كإنسان يختلف عن سائر المخلوقات هذا
+
+226
+00:22:07,470 --> 00:22:12,090
+الذي خلقه الله وكرمه الله سبحانه وتعالى ومنحه
+
+227
+00:22:12,090 --> 00:22:17,650
+العقل ومنحه القدرات يبغي أن يكرم ويبغي أن يكون له
+
+228
+00:22:17,650 --> 00:22:24,570
+حقوق يحافظ عليها كحقه في سلامة جسدي واستقلال
+
+229
+00:22:24,570 --> 00:22:31,600
+تفكيري وحرية انتقاله وحرمة سكنهغير ذلك من الحقوق،
+
+230
+00:22:31,600 --> 00:22:37,720
+هذه حقوق طبيعية، حقوق يعني بديهية كما يقولون أو
+
+231
+00:22:37,720 --> 00:22:44,180
+حقوق الإنسان النوع الثالث من الحقوق هي الحقوق
+
+232
+00:22:44,180 --> 00:22:53,560
+المدنية أو الحقوقالخاصة وهذه الحقوق هي سلطات مقررة
+
+233
+00:22:53,560 --> 00:23:03,620
+في القانون الخاص للأشخاص التي تمكنهم من نشاطهم في
+
+234
+00:23:03,620 --> 00:23:11,140
+المحيط العائلي والعلاقات الفردية وتثبتوا للمواطنين
+
+235
+00:23:11,140 --> 00:23:19,780
+الأصليينتثبتوا للمواطنين الأصليين الذين يعيشون في
+
+236
+00:23:19,780 --> 00:23:25,800
+هذه الدولة والخضعين لسياستها
+
+237
+00:23:25,800 --> 00:23:34,240
+او خلّينا نرجع نقول اذا هذه اللي هي الحقوق الخاصة
+
+238
+00:23:34,240 --> 00:23:39,740
+لحظة يا اخوة هذه الحقوق يعني الحقوق العامة تثبت
+
+239
+00:23:39,740 --> 00:23:45,300
+لكل إنسانتثبتوا كما قلنا لكل إنسان لكن الدولة هي
+
+240
+00:23:45,300 --> 00:23:51,660
+التي تقوم على تطبيقها لكن هنا الحقوق الخاصة أو
+
+241
+00:23:51,660 --> 00:23:58,440
+الحقوق المدنية هي يعني تلكم الحقوق التي تتعلق
+
+242
+00:23:58,440 --> 00:24:03,760
+بنشاط الإنسان في محيطه العائلي أو في علاقاته
+
+243
+00:24:03,760 --> 00:24:08,020
+الفردية والاجتماعية
+
+244
+00:24:08,480 --> 00:24:14,700
+ويعني مدام مواطنا في هذه الدولة تثبت له حقوقه حقه
+
+245
+00:24:14,700 --> 00:24:19,640
+في الزواج حقه في الطلاق حقه في يعني إنشاء علاقات
+
+246
+00:24:19,640 --> 00:24:26,280
+مع الأفراد و إلى غير ذلك على أي حال هذه الحقوق
+
+247
+00:24:26,280 --> 00:24:32,520
+الخاصة أو المدنية يمكن أن تقسم إلى يعني قسمين
+
+248
+00:24:32,520 --> 00:24:36,620
+رئيسيين خاصة
+
+249
+00:24:37,620 --> 00:24:46,640
+أسرية أو عائلية ومالية
+
+250
+00:24:46,640 --> 00:24:54,440
+نعم
+
+251
+00:24:54,440 --> 00:24:57,560
+العائلية
+
+252
+00:24:57,560 --> 00:25:05,040
+أو الأسرية هي السلطات يعني التي تقرر للأشخاص يعني
+
+253
+00:25:06,330 --> 00:25:14,290
+بحيث يُعطى لكل شخص حقوق تتعلق بحياته العائلية
+
+254
+00:25:14,290 --> 00:25:21,450
+وحياته الزوجية، حقه في الزواج والمصاهرة وثبوت
+
+255
+00:25:21,450 --> 00:25:27,110
+القرابة له، وهذه كلها حقوق تثبت للإنسان باعتباره
+
+256
+00:25:27,110 --> 00:25:31,250
+فردا في داخل الأسرةكل فرد في داخل الأسرة تثبت له
+
+257
+00:25:31,250 --> 00:25:35,030
+حقوق، يعني الزوج والزوجة لكل منهم حقوق على
+
+258
+00:25:35,030 --> 00:25:39,130
+الآخرين، الأب والابن لكل منهم حقوق على الآخر،
+
+259
+00:25:39,130 --> 00:25:45,370
+وهكذا، الأقارب حتى لهم حقوق على بعضهم البعض،
+
+260
+00:25:45,370 --> 00:25:51,830
+والثرتب على العلاقات الأسرية متعددةيعني منع زواجه
+
+261
+00:25:51,830 --> 00:25:56,870
+او جواز .. زواج .. يعني .. يعني .. بالزواج يا اخوة
+
+262
+00:25:56,870 --> 00:26:02,390
+يصبح ال .. الذي .. ال .. تصبح المرأة التي كانت
+
+263
+00:26:02,390 --> 00:26:07,630
+حلالا لك تصبح حراما أحيانا يعني أنت لو تزوجت من
+
+264
+00:26:07,630 --> 00:26:13,450
+امرأة فلا يجوزلك أن تتزوج من أمها أو ابنتها بعد
+
+265
+00:26:13,450 --> 00:26:19,520
+ذلكلأنها أصبحت محرمة عليك بالمصاهرة أو أختها
+
+266
+00:26:19,520 --> 00:26:26,020
+مؤقتا، هناك مؤددة، أختها مؤقتا، فلو ماتت أو طلقت
+
+267
+00:26:26,020 --> 00:26:34,000
+يجوزك، لكن أثناء زوجيتك لإمرأة، ليجوزك أن تجمع بين
+
+268
+00:26:34,000 --> 00:26:39,400
+أختين وأن تجمعوا بين الأختين على كل الأحوال، إذن
+
+269
+00:26:39,400 --> 00:26:44,250
+هذه كلها حقوق تسمى بالحقوق الأسريةأو الحقوق أما
+
+270
+00:26:44,250 --> 00:26:49,610
+الحقوق المالية هذه اللتي تهمنا يعني احنا كل هذا
+
+271
+00:26:49,610 --> 00:26:54,290
+التقسيم في الآخر عشان نصل لحقوق المالية لأنه احنا
+
+272
+00:26:54,290 --> 00:26:58,590
+موضوعنا الحقوق المعاملات المالية وبيهمنا الحقوق
+
+273
+00:26:58,590 --> 00:27:02,330
+المعنوية واحنا اللي بيهمنا في الحقوق المعنوية هيك
+
+274
+00:27:02,330 --> 00:27:09,080
+وشيء وهو هل يجوز أن يُأخد عائد ماليعن الحق المعنوي
+
+275
+00:27:09,080 --> 00:27:13,380
+ده ايه الجثة تبعتنا لكن احنا هذا من باب يعني
+
+276
+00:27:13,380 --> 00:27:19,700
+التوضيح ليس الا الحقوق المالية يا اخوة هذه منها
+
+277
+00:27:19,700 --> 00:27:27,520
+حقوق تسمى بالشخصية والثانية حقوق تسمى بالعينية
+
+278
+00:27:27,520 --> 00:27:31,020
+وثالثة معنوية
+
+279
+00:27:33,610 --> 00:27:39,970
+الحقوق الشخصية تلقو الإلتزامات و يعني حقيقة حتى
+
+280
+00:27:39,970 --> 00:27:44,230
+الشخصية هذه و العينية يمكن أن تدمج في نوع واحد
+
+281
+00:27:44,230 --> 00:27:47,670
+يعني .. يعني لأن الشخصية منها عينية و منها غير
+
+282
+00:27:47,670 --> 00:27:52,630
+عينية الإلتزامات اللتي تثبت لشخص على شخص هذه تعتبر
+
+283
+00:27:52,630 --> 00:27:56,270
+حقوق مالية أنا إلي دين and فلان أصبح حقا .. أصبح
+
+284
+00:27:56,270 --> 00:28:04,460
+حقا ماليا أنا إلي يعني قطرة أرضوحد اقتصبها مثلا أو
+
+285
+00:28:04,460 --> 00:28:11,920
+وضع يده عليها أو إلى غير ذلك هذا حق ليه ثابت ليه
+
+286
+00:28:11,920 --> 00:28:18,500
+ومن حقي أن أطالب بيه حق مالي عيني حق مالي شخصي
+
+287
+00:28:18,500 --> 00:28:24,360
+عيني شخصي يعود إلي أنا وليس لأحد في شراكة فإذا
+
+288
+00:28:24,360 --> 00:28:32,730
+اقتصبه أحد او اختلط او جوهر من حقيفي كل هذه
+
+289
+00:28:32,730 --> 00:28:40,250
+الأحوال أن أطالب بها وينبغي أن ترد الحقوق يا إخوة
+
+290
+00:28:40,250 --> 00:28:44,190
+العينية والحقوق الشخصية ينبغي أن ترد إلى أصحابها
+
+291
+00:28:44,190 --> 00:28:49,470
+ومن واجب الدولة أن تحافظ على هذه الحقوق وأن تردها
+
+292
+00:28:49,470 --> 00:28:58,950
+إلى أصحابها أما الحقوق المعنويةفهي موضوع حديثنا
+
+293
+00:28:58,950 --> 00:29:05,190
+ماذا يقصد بالحديث بالحقوق المعنوية تعالوا نشوف
+
+294
+00:29:05,190 --> 00:29:14,310
+الآن ماذا يقصد بالحقوق المعنوية وما هي صورها وما
+
+295
+00:29:14,310 --> 00:29:23,950
+هو حكمه أخذ العائد المالي يعني عليها طيب ال ..
+
+296
+00:29:27,940 --> 00:29:32,760
+الحقوق المعنوية أيها الأخوة الكرام ان تلاحظوا
+
+297
+00:29:32,760 --> 00:29:36,400
+الحقوق إجمالا معظم تعريفات الحقوق كانت عبارة عن
+
+298
+00:29:36,400 --> 00:29:43,000
+سلطة سلطة سلطة اي حق كان سلطته او اختصاص يُعطى
+
+299
+00:29:43,000 --> 00:29:47,900
+لمجموعة من الأفراد في مجال كده وكده ولذلك فالحقوق
+
+300
+00:29:47,900 --> 00:29:53,990
+المعنوية كذلك الحقوق المعنوية هي أيضاسلطة، لأنه
+
+301
+00:29:53,990 --> 00:30:01,060
+مدام هذا حق، إذا هذا الحق أورثك سلطة، أورثك تملكاو
+
+302
+00:30:01,060 --> 00:30:08,660
+حقا في التصرف يسمى سلطة لأنه ليس للإنسان سلطة على
+
+303
+00:30:08,660 --> 00:30:14,240
+شيء إذا لم يكن له حق فيه ليس للإنسان سلطة يعني لما
+
+304
+00:30:14,240 --> 00:30:18,380
+تتصرف في شيء مش إلك بيقولك هو هذا إلك يعني كيف بأي
+
+305
+00:30:18,380 --> 00:30:23,120
+منطق هو إلك هو حجك لكن عندما يكون لك هذا الحق
+
+306
+00:30:23,780 --> 00:30:28,600
+وتتصرف فيه وتتسلط عليه لا أحد يستطيع أن يحاسبك هذا
+
+307
+00:30:28,600 --> 00:30:35,940
+إيه لي أنا حقي أبيع أشتري أتصرف أهد أتصدق هذا ما
+
+308
+00:30:35,940 --> 00:30:40,440
+يُعرف بالتسلط يعني إعطاء الحق في التصرف عندما يعني
+
+309
+00:30:40,440 --> 00:30:45,100
+سلطة يعني الحق في التصرف إذا الحقوق المعنوية هي
+
+310
+00:30:45,100 --> 00:30:55,770
+سلطة لشخص على شيءلكن احنا الان نحكي عن حقوق معنوية
+
+311
+00:30:55,770 --> 00:31:03,290
+وليس حقوق عامة الحقوق معنوية إذا شيء غير مادي غير
+
+312
+00:31:03,290 --> 00:31:09,530
+محسوس غير ملموس غير مادي مدان معنوية إذا غير مادي
+
+313
+00:31:09,530 --> 00:31:19,870
+هو ثمرة فكره أو خياله ونشاطه
+
+314
+00:31:22,960 --> 00:31:32,760
+وحركته يا سيدي، إذا الحقوق المعنوية هي سلطة على
+
+315
+00:31:32,760 --> 00:31:40,460
+شخص أو لشخص آسف على شيء غير مادي هو ثمرة فكره أو
+
+316
+00:31:40,460 --> 00:31:44,280
+خياله أو نشاطه أو حركته
+
+317
+00:31:45,860 --> 00:31:51,940
+يلحظ يا اخوة من هذا التعريف عدة أمور اولا ان
+
+318
+00:31:51,940 --> 00:32:00,520
+الحقوق المعنوية تتعلق بالاشياء غير الماديةلا تتعلق
+
+319
+00:32:00,520 --> 00:32:04,620
+بالأشياء العينية لا تتعلق بالأشياء العينية هذا هذا
+
+320
+00:32:04,620 --> 00:32:09,340
+المكتب هذا شيء عيني هذا لو أنا هذا مملوك ليه يسمى
+
+321
+00:32:09,340 --> 00:32:12,980
+حقان ماديا هذا الكمبيوتر لو كان مملوك ليه شيء عيني
+
+322
+00:32:12,980 --> 00:32:18,020
+محسوس مرئي يحمل و إلى غير ذلك لكن الحقوق المعنوية
+
+323
+00:32:18,020 --> 00:32:25,120
+تتعلق بأشياء غير مادية قد يتفهمها العقلتدرك يعني
+
+324
+00:32:25,120 --> 00:32:29,060
+لما نقول غير مادية مش معناه أنها بالمرة يعني مش
+
+325
+00:32:29,060 --> 00:32:34,980
+مقدورة على لكن هذه تدركوا إدراك تدركوا بالعقل ولا
+
+326
+00:32:34,980 --> 00:32:41,160
+تدركوا بالحواس العادية تدركوا بالعقل ولا تدركوا
+
+327
+00:32:41,160 --> 00:32:48,280
+بالحواس ولذلك ستجد أن هذه الحقوق هي عادة ما يكون
+
+328
+00:32:48,280 --> 00:32:56,030
+أساسها أو سببها الأول أنها نتاجهفكر الإنسان وعقله
+
+329
+00:32:56,030 --> 00:33:02,070
+وإبداعه هي نتاج فكر الإنسان يعني هي نتاج عقلي نتاج
+
+330
+00:33:02,070 --> 00:33:07,930
+عقلي في العقل يعني ابتكرة شيئا معينا من خلال
+
+331
+00:33:07,930 --> 00:33:13,410
+تفكيره من خلال تدبره
+
+332
+00:33:13,410 --> 00:33:19,750
+من خلال تخيلهويعني يمكن كثيرة تنهيأ الإبتكارات
+
+333
+00:33:19,750 --> 00:33:24,610
+المعنوية التي تكون بل معظم الإبتكارات المعنوية هي
+
+334
+00:33:24,610 --> 00:33:33,030
+نتيجة الفكر و الخيال و العلم و النشاط في الحياة
+
+335
+00:33:33,030 --> 00:33:38,110
+أحيانا حتى في نشاطه العادي يا أخوه الإنسانيعني قد
+
+336
+00:33:38,110 --> 00:33:41,790
+يرتفع إلى شيء دون أن يوجد عقله، في نشاطه ذهابا
+
+337
+00:33:41,790 --> 00:33:46,190
+وإيابا، يعني مش Einstein أو خذر اللي كان الافتتاح
+
+338
+00:33:46,190 --> 00:33:55,250
+في الجاذبيةيعني هو لم يكن يبرمج لذلك نيوتن لم يكن
+
+339
+00:33:55,250 --> 00:34:01,870
+يعني يعمل من أجل ذلك ولكنه من خلال نشاطه الحركي في
+
+340
+00:34:01,870 --> 00:34:08,870
+الحياة التفت إلى هذه الظاهرة
+
+341
+00:34:08,870 --> 00:34:12,210
+الجاذبية
+
+342
+00:34:12,210 --> 00:34:17,250
+و هكذافأصبحت منسوبة إليه لأصبح هو اللي التفت إليه
+
+343
+00:34:17,250 --> 00:34:23,150
+بغض المظهر ويعني جيد إنه حرك عقله وانتبه إلى ..
+
+344
+00:34:23,150 --> 00:34:29,630
+إلى ذلك يعني كثيرهم الذين انتبهوا لهذه أو قاموا
+
+345
+00:34:29,630 --> 00:34:36,970
+بهذه الحركة لكن لم ينتبهوا لهذه الظاهرةإذا الحقوق
+
+346
+00:34:36,970 --> 00:34:43,110
+المعنوية في الحقيقة هي ثمرة فكر وخيال ونشاط أو
+
+347
+00:34:43,110 --> 00:34:48,870
+الحركة هذه الثمرة التي نتجت عن فكر شخص من المعين
+
+348
+00:34:48,870 --> 00:34:57,470
+اعطته الحق في أن يصبح هذا الناتج الفكريمتسلط عليه،
+
+349
+00:34:57,470 --> 00:35:03,190
+ملكه، له الحق فيه، وهنا حقان يا إخوة، لتعلموا أنه
+
+350
+00:35:03,190 --> 00:35:14,450
+بمجرد أو إذا ثبت أن هذا .. هذه الفكرة هي نتاج عقلي
+
+351
+00:35:14,450 --> 00:35:22,010
+فلان أو فلان، فإنه يثبت له حقانالحق الأول يمكن أن
+
+352
+00:35:22,010 --> 00:35:32,400
+نسميه حقا أدبيا يتمثل في نسبة هذهالفكرة لصاحبها،
+
+353
+00:35:32,400 --> 00:35:36,980
+نسبة هذا الإبداع، نسبة هذا الإختراع، نسبة هذا
+
+354
+00:35:36,980 --> 00:35:43,960
+المؤلف، نسبة هذه الفكرة، أي إن كانت طبعا الفكرة يا
+
+355
+00:35:43,960 --> 00:35:47,480
+إخوة، لا تبقى فكرة أو لا يتعرف عليها إلا عندما
+
+356
+00:35:47,480 --> 00:35:54,840
+تتفرج في بوتقة مادية يعني مرات الرسام، حتى الرسام
+
+357
+00:35:54,840 --> 00:36:02,410
+قبل ما يرسم، رسم الرسم في خيالهفي خياله .. هو بده
+
+358
+00:36:02,410 --> 00:36:04,950
+يرسم هيك و هيك .. هذه الرسمة اللي اتفتق عنها ..
+
+359
+00:36:04,950 --> 00:36:09,770
+انا مش هقدر اكتشفها .. انا الطرف الآخر .. ولا هو
+
+360
+00:36:09,770 --> 00:36:15,090
+هقدر يستفيد منها .. ولا تنسب اليه ما لم تفرج على
+
+361
+00:36:15,090 --> 00:36:23,890
+عرق .. ولا لا .. بعد هيك .. اللي المؤلف .. اللي
+
+362
+00:36:23,890 --> 00:36:31,010
+أصدر كتاب ..هذا المؤلف قد يكون فكرته مراودة لعقله
+
+363
+00:36:31,010 --> 00:36:39,740
+موجودة ما لم تفرغفي سطور لا يستطيع أن يثبت لنفسه
+
+364
+00:36:39,740 --> 00:36:49,240
+حقا لأن أصلا ماحدش بتطلع عليها بعد أن تتجلى هذه
+
+365
+00:36:49,240 --> 00:36:56,920
+الفكرة في بوتقة مادية يصبح له الحق الأول حق نسبة
+
+366
+00:36:56,920 --> 00:37:03,180
+هذا العملهذا العمل له اللي هو كان نتاج فكرة أصبح
+
+367
+00:37:03,180 --> 00:37:10,360
+كتابا، أصبح لوحة فنية، أصبح مسرحية، أصبح اختراعا
+
+368
+00:37:10,360 --> 00:37:17,480
+وابتكارا علميا، يستفيد منه الناس، هذا يا إخوةهذا
+
+369
+00:37:17,480 --> 00:37:23,240
+أولا ينبغي أن يحتفظه بنسبته إليه ولا يجوز أن
+
+370
+00:37:23,240 --> 00:37:27,900
+يشاركه فيها أحد ومشاركة أي واحد إله يعتبر نوع من
+
+371
+00:37:27,900 --> 00:37:33,780
+الانتحال للشخصية نوع من الغش نوع من التجاوز نوع من
+
+372
+00:37:33,780 --> 00:37:38,280
+الخيانة نوع من السرقة أو إلى غير ذلك لا يجوز الشيء
+
+373
+00:37:38,280 --> 00:37:44,260
+الثانيفي الانتفاع المادي من وراقه، إذا كان هذا
+
+374
+00:37:44,260 --> 00:37:49,120
+العمل والله غير النسبة، النسبة شيء أدبي، أنا ألفت
+
+375
+00:37:49,120 --> 00:37:54,640
+الكتاب هذا يعني خلاص، أنا ممكن أنا سامح في البدل
+
+376
+00:37:54,640 --> 00:38:00,620
+المالي، لكنالشيء لكن ممكن انا استفيد من حقي ان انا
+
+377
+00:38:00,620 --> 00:38:06,260
+ابيعه بالثمن اللي انا بدياه او المناسب يعني او ان
+
+378
+00:38:06,260 --> 00:38:12,480
+كان ثمة من استفادة فانا اول المستفيدين او انا احقق
+
+379
+00:38:12,480 --> 00:38:18,140
+المستفيدين والله اذا كان هذا العمل يعني اللي اخترع
+
+380
+00:38:18,140 --> 00:38:21,260
+الكهربا و اللي اخترع التلفزيون و اللي اخترع اي
+
+381
+00:38:21,260 --> 00:38:28,270
+اختراع تسبب في نقلة نوعيةالعالم وقدم للعالم مصالح
+
+382
+00:38:28,270 --> 00:38:33,670
+كبرى ويسر عليهم ووفر عليهم أموال أليس من حقي أنا
+
+383
+00:38:33,670 --> 00:38:37,750
+الذي فتحت هذه البوابة أن يكون لي عائدا ماليا
+
+384
+00:38:37,750 --> 00:38:46,370
+بالطبع نعم فإذا هناك حق أدبي وهناك حق مالي الحق
+
+385
+00:38:46,370 --> 00:38:52,290
+الأدبي يا إخوة سوف نجد أنه لا خلافة في ذلكلا بين
+
+386
+00:38:52,290 --> 00:38:56,830
+القانونيين ولا بين الشرعيين ولا علماء مافيش مشكلة
+
+387
+00:38:56,830 --> 00:39:04,750
+الكل يثبت ولا يجوز أن يعني ينتحل أحد عمل أحد مهما
+
+388
+00:39:04,750 --> 00:39:10,880
+كانت لأسباب وكل من ينتحل وهذا قديما وحديثاقديما
+
+389
+00:39:10,880 --> 00:39:15,860
+وحتى علماء المسلمين قديما كانوا يعني .. يعني
+
+390
+00:39:15,860 --> 00:39:18,900
+يشددون
+
+391
+00:39:18,900 --> 00:39:27,040
+في هذا الأمر تشددا كبيرا حتى من كان يذهب ويرتاح
+
+392
+00:39:27,040 --> 00:39:32,660
+لنقل حديث من الأحاديث يعني يعتبرون أن هذا النقل لا
+
+393
+00:39:32,660 --> 00:39:37,560
+يجوز أنا أنقله عنه إلا بإذنهلأن هو الذي بدل الجهد
+
+394
+00:39:37,560 --> 00:39:42,460
+من أجل أن حتى حصل على هذا الحديث، مع أن الحديث
+
+395
+00:39:42,460 --> 00:39:51,300
+دين، والدين يعمل، لكن يعني صاحب هذا من باب رد
+
+396
+00:39:51,300 --> 00:39:58,450
+الفضل لصاحب الفضللابد أن يُعرف من صاحب الفضل في
+
+397
+00:39:58,450 --> 00:40:03,930
+جلب هذا الحديث، في كتابة هذا الحديث، في جلب هذه
+
+398
+00:40:03,930 --> 00:40:10,430
+الفكرة، في إبداع هذه الصنعة أو إلى غير ذلك، وإلا
+
+399
+00:40:10,430 --> 00:40:12,010
+لضاعت حقوق الناس
+
+400
+00:40:14,420 --> 00:40:21,380
+إذا هو سلطة لشخص على شيء غير مادي هو ثمره فكريه أو
+
+401
+00:40:21,380 --> 00:40:28,200
+خياله أو نشاطه ويلاحظ يا إخوة أن الحقوق المعنوية
+
+402
+00:40:28,200 --> 00:40:34,780
+ليست حصرا في مجال من المجالاتبل تشمل مجالات يعني
+
+403
+00:40:34,780 --> 00:40:41,000
+متعددة في الفن في الفكر و الأدب في الاختراعات
+
+404
+00:40:41,000 --> 00:40:45,320
+الألمية كلها دي تسمى كلها تعتبر من قبيل الحقوق
+
+405
+00:40:45,320 --> 00:40:51,060
+المعنوية اه كلها تعتبر من قبيل الحقوق او تسمى
+
+406
+00:40:51,060 --> 00:41:02,450
+بحقوق الابتكار حقوق الابتكارطبعا برضه حقوق
+
+407
+00:41:02,450 --> 00:41:06,210
+الإبتكار هي نفس الحقوق المعنوية تسمى بالحقوق ..
+
+408
+00:41:06,210 --> 00:41:09,410
+يعني البعض كان بيسميها حقوق أدبية لكن الحقوق
+
+409
+00:41:09,410 --> 00:41:15,410
+الأدبية شوية يعني مش دقيق يمكن حق الحقوق المعنوية
+
+410
+00:41:15,410 --> 00:41:20,360
+أو حقوق الإبتكار هي أدقالتسميات أو الألفاظ التي
+
+411
+00:41:20,360 --> 00:41:26,440
+تصلحوا أن تنسحب على مختلف المجالات، يعني كما قلت
+
+412
+00:41:26,440 --> 00:41:30,560
+سواء المؤلفات والمصنفات، سواء براءات الاختراع
+
+413
+00:41:30,560 --> 00:41:34,760
+العلمية، سواء الرسومات، سواء الفنون التمثيلية،
+
+414
+00:41:34,760 --> 00:41:41,440
+ويعني ..الأعلامات التجارية بالفعل يعني كل هذه
+
+415
+00:41:41,440 --> 00:41:48,780
+تعتبر يعني من قبيل حقوق الإبتكار كل من سبق إلى شيء
+
+416
+00:41:48,780 --> 00:41:54,680
+فهو مبتكر له فأصبح حق الله له سوطة كاملة عليه
+
+417
+00:41:54,680 --> 00:42:02,180
+أدبيةومادية لكن المادية هنلاقي فيها شوية كلام او
+
+418
+00:42:02,180 --> 00:42:06,460
+شوية اختلاف على الاقل عند علماء المسلمين يمكن في
+
+419
+00:42:06,460 --> 00:42:10,780
+القانون يا اخوة القانون اليوم عند معظم الدول في
+
+420
+00:42:10,780 --> 00:42:18,620
+القانون باتت اليوم تعترف بالحقوق المادية لحقوق
+
+421
+00:42:18,620 --> 00:42:24,070
+الابتكارو تقوم على الحماية، يمكن أنتوا قبل أكم يوم
+
+422
+00:42:24,070 --> 00:42:30,970
+أو قبل فترة بسيطة شركة .. شركات جوال Samsung يعني
+
+423
+00:42:30,970 --> 00:42:37,110
+مش عارف .. ملياراتدفعت لشركة الأخرى مقابل أنها
+
+424
+00:42:37,110 --> 00:42:42,770
+أخدت براية اختراع جزئية براية اختراع جزئية في
+
+425
+00:42:42,770 --> 00:42:49,790
+الجوال هذا يدل على أن القوانين اليوم تحمي حقوق
+
+426
+00:42:49,790 --> 00:42:56,060
+الابتكار و برائات الاختراع و بالمناسبة هنايعني
+
+427
+00:42:56,060 --> 00:43:00,140
+حقوق الإبتكار وبراءات الإختراع وحقوق التأليف هذه
+
+428
+00:43:00,140 --> 00:43:06,660
+ليس بالضرورة أن تكون يعني لم يسبق إليها أبدا بل
+
+429
+00:43:06,660 --> 00:43:11,580
+يمكن أن يكون الإبتكار هذا يكون ابتكار جزءي وقد
+
+430
+00:43:11,580 --> 00:43:16,120
+يكون ابتكارا كليا يمكن أنا أكتشف شيء لم يسبقني
+
+431
+00:43:16,120 --> 00:43:22,850
+إليه أحدطبعا هذا على رأس الإبتكارات وهذا أهم
+
+432
+00:43:22,850 --> 00:43:29,550
+الإبتكارات وهذا أجل صور الحقوق المعنوية لكن ممكن
+
+433
+00:43:29,550 --> 00:43:35,390
+يا إخوة تكون عملية تطوير الإبتكار أو الحق يكون
+
+434
+00:43:35,390 --> 00:43:39,190
+معنوي متعلق يعني واحد اللي .. اللي .. اللي الآن
+
+435
+00:43:39,190 --> 00:43:45,240
+إيه التلفزيون مثلا؟كم مرحلة الى ان وصلة الى ما وصل
+
+436
+00:43:45,240 --> 00:43:51,220
+اليه اليوم؟ كم عقل، كم ابتكار يعني بقى زمان أسود و
+
+437
+00:43:51,220 --> 00:43:56,640
+أبيض، ها؟ و بعدين صار ملون، و بعدين صار إيش؟ يعني
+
+438
+00:43:56,640 --> 00:44:01,240
+محطات و مش .. يعني شئ .. يعني طبعا كل .. مش هو
+
+439
+00:44:01,240 --> 00:44:04,360
+اللي ابتكر التلفزيون، هو اللي .. الأسود و الأبيض،
+
+440
+00:44:04,360 --> 00:44:10,010
+هو هو اللي .. كل واحدأحد طور شيء يعتبر مبتكرا في
+
+441
+00:44:10,010 --> 00:44:18,610
+حدود ابتكاره ويحفظ له هذا الحق ويستحق أن ينسب إليه
+
+442
+00:44:18,610 --> 00:44:26,340
+ويستحق أن يأخذ بدلا ماليا عنه على كل الأحوالفي
+
+443
+00:44:26,340 --> 00:44:30,420
+تعريف اخر للحقوق الحقوق الابتكار احب ان اقف عليه
+
+444
+00:44:30,420 --> 00:44:36,600
+يعني قليلا لان هو موجود عندكوا وفي عليه شرح او
+
+445
+00:44:36,600 --> 00:44:46,060
+تحليل اقف عنده باختصار ويعرف حقوق الابتكار احنا
+
+446
+00:44:46,060 --> 00:44:49,760
+قلنا حقوق الابتكار او الحقوق المعنوية كله جائز
+
+447
+00:44:49,760 --> 00:44:54,400
+حقوق الابتكار هي عبارة عن الصور
+
+448
+00:44:56,440 --> 00:45:10,380
+الفكرية التي تفتقت عنها الملكة الراصخة في نفس
+
+449
+00:45:10,380 --> 00:45:25,980
+العالم أو الأديب ونحوه مما يكون قد أبدعه هو ولم
+
+450
+00:45:29,510 --> 00:45:36,290
+يسبق إليه أو يسبقه إليه أحد يعني فقط يا إخوان سنجد
+
+451
+00:45:36,290 --> 00:45:40,670
+أن التعريف مش كتير مختلف لكن يعني فيه بعض الإشارات
+
+452
+00:45:40,670 --> 00:45:42,610
+يعني الصور الفكرية
+
+453
+00:45:45,140 --> 00:45:49,320
+الفكرة، الفكرة المقصودة الصور الفكرية، الفكرة بغض
+
+454
+00:45:49,320 --> 00:45:53,220
+النظر يعني وفيه لما نقول الصور الفكرية عن تعدد
+
+455
+00:45:53,220 --> 00:45:57,140
+الأفكار، في مختلف المجالات، الصور الفكرية التي
+
+456
+00:45:57,140 --> 00:46:01,040
+اتفتقت عن الملك الراصخة، كل إنسان له ملكاتكل إنسان
+
+457
+00:46:01,040 --> 00:46:06,200
+له قدرات تتفتق عنها أفكار في المجال وفي الميدان
+
+458
+00:46:06,200 --> 00:46:11,540
+الذي يتخصص فيه أو الذي يرغب فيه أو الذي يعني
+
+459
+00:46:11,540 --> 00:46:16,320
+يتملكه الصور الفكرية التي تفتقت عنها الملكة
+
+460
+00:46:16,320 --> 00:46:20,700
+الراسخة في نفس العالم أو الأديب ونحوه، وهذا فيه
+
+461
+00:46:20,700 --> 00:46:26,900
+إشارةإلى أن حقوق الإبتكار ليست حصرا على القضايا
+
+462
+00:46:26,900 --> 00:46:31,600
+الأدبية والمؤلفات أو المصنفات بل القضايا العلمية
+
+463
+00:46:31,600 --> 00:46:37,180
+والأدبية والفنية والكمبيوترية اليوم يعني ما أكثر
+
+464
+00:46:37,180 --> 00:46:43,780
+التطور الإبتكارات المتعلقة بالكمبيوتر مثلا ونحو
+
+465
+00:46:43,780 --> 00:46:52,490
+لذلك مما يكون قد أدعه هومما يكون قد أبدعه هو، مش
+
+466
+00:46:52,490 --> 00:46:57,110
+غيره، ماينتهلش إبداع غيره ولا فكرة غيره أبدا ولم
+
+467
+00:46:57,110 --> 00:47:01,570
+يسبق إليه أحد هناك عناصر ثلاثة أيها الإخوة الكرام
+
+468
+00:47:01,570 --> 00:47:08,510
+يعني يمكن أن أو لابد من الإشارة إليها حتى تتحقق
+
+469
+00:47:12,470 --> 00:47:18,470
+الحق أو حتى يثبت الحق الصورة الأولى أو ال .. ال ..
+
+470
+00:47:18,470 --> 00:47:22,510
+ال .. ال .. اللي هي أنت أو العنصر الأول أن تكون
+
+471
+00:47:22,510 --> 00:47:27,990
+هناك بالفعل صورة فكرية أن يكون في فكرة في فكرة و
+
+472
+00:47:27,990 --> 00:47:33,390
+أن تكون هذه الفكرة يعني أن تكون هناك فكرة و أن
+
+473
+00:47:33,390 --> 00:47:40,080
+تكون هذه الفكرة إبداعيةبمعنى غير مسبوقة ولما احنا
+
+474
+00:47:40,080 --> 00:47:43,860
+بنقول إبداعية سواء كانت جزئية أو كلية، جزئية
+
+475
+00:47:43,860 --> 00:47:52,390
+تطويرية أو كلية لم يسبق إليها يعني أبداثم العنصر
+
+476
+00:47:52,390 --> 00:47:56,550
+الثالث من العنصر التي أشار إليها التعريف أن الأمر
+
+477
+00:47:56,550 --> 00:48:01,670
+وأن الفكرة ليس بالضرورة أن تكون محصورة في ميدان أو
+
+478
+00:48:01,670 --> 00:48:08,990
+في مجال معين من المجالات بل تشمل كل المجالات على
+
+479
+00:48:08,990 --> 00:48:17,320
+كل أحوال ماذا عن حكمالحقوق الابتكار هذه في الشريعة
+
+480
+00:48:17,320 --> 00:48:21,160
+الإسلامية هذا ما سنعرفه المرة القادمة ان شاء الله
+
+481
+00:48:21,160 --> 00:48:21,560
+تعالى
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0.srt
new file mode 100644
index 0000000000000000000000000000000000000000..ab6a0da8a87be1dae9653737f0830ba9af9fb115
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0.srt
@@ -0,0 +1,1323 @@
+1
+00:00:20,690 --> 00:00:26,350
+الصلاة والسلام على رسول الله وعلى
+
+2
+00:00:26,350 --> 00:00:32,250
+آله وصحبه ومن اهتدى بهديه واستنى بصناته إلى يوم
+
+3
+00:00:32,250 --> 00:00:38,410
+الدين اللهم إنا نسألك الهدى والتقى والعفاف والغنى
+
+4
+00:00:38,410 --> 00:00:46,370
+وأن تعلمنا ما ينفعنا وأن تنفعنا بما علمتنا، وبعد: لا
+
+5
+00:00:46,370 --> 00:00:53,350
+يزال الحديث متواصلا حول الحقوق أو بعض صور الحقوق
+
+6
+00:00:53,350 --> 00:00:59,890
+المعنوية، نتعرف عليها ونتعرف على موقف الشريعة
+
+7
+00:00:59,890 --> 00:01:07,630
+الإسلامية من أخذ البدل المالي عنها، وكنا في أكثر من
+
+8
+00:01:07,630 --> 00:01:12,750
+محاضرتين ربما سابقتين قد تحدثنا عن حق التأليف
+
+9
+00:01:13,240 --> 00:01:18,100
+الصورة الأولى من صور الحقوق، من صور حقوق الإبداع
+
+10
+00:01:18,100 --> 00:01:22,460
+أو الحقوق المعنوية، فتعرفنا
+
+11
+00:01:22,460 --> 00:01:30,500
+عليه من حيث معناه لغة واصطلاحًا، وتعرفنا
+
+12
+00:01:30,500 --> 00:01:41,580
+على أهم صور ودرجات ومظاهر حق أو مظاهر التأليف، حيث
+
+13
+00:01:41,580 --> 00:01:46,380
+قولنا إن التأليف لا يقتصر على، يعني أمر لم يأتي به
+
+14
+00:01:46,380 --> 00:01:51,760
+أو لم يسبق إليه أحد من قبل، لم يسبق المؤلف إليه أحد
+
+15
+00:01:51,760 --> 00:01:57,520
+من قبل، بل يمكن أن يكون قد سبقه إليه، ولكن ليس إليه
+
+16
+00:01:57,520 --> 00:02:05,160
+بالتمام والكمال والمطابقة والموافقة، ولكن سبقه إليه
+
+17
+00:02:05,160 --> 00:02:13,780
+من حيث الأصل، فشرحه الآخر، فشرحه يعتبر مؤلفًا يُنسب
+
+18
+00:02:13,780 --> 00:02:20,400
+إليه، أو اختصره، أو ترجمه، أو علّق عليه، وقلنا بأنه
+
+19
+00:02:20,400 --> 00:02:24,080
+حتى أنه ينضاف إلى حقوق التأليف أو إلى المؤلفات
+
+20
+00:02:24,080 --> 00:02:35,470
+الفنية، فنون الرسم وغيرها من الإبداعات والمدونات
+
+21
+00:02:35,470 --> 00:02:42,450
+التي تصدر عن هذا العالم أو ذاك، هذا المؤلف أو ذاك،
+
+22
+00:02:42,450 --> 00:02:51,270
+وقلنا بأن القوانين قد أقرت حق التأليف الأدبي
+
+23
+00:02:51,270 --> 00:03:00,030
+والمادي على حد سواء، أما الشريعة فنستطيع أن نقول
+
+24
+00:03:00,030 --> 00:03:06,270
+أنها كذلك أقرت الحق الأدبي والحق المادي على حد
+
+25
+00:03:06,270 --> 00:03:12,110
+سواء، وهذا ما يمكن معرفته، واستنباطه من خلال
+
+26
+00:03:12,110 --> 00:03:18,100
+التاريخ الإسلامي كله، ومن خلال ما كان يأخذه العلماء
+
+27
+00:03:18,100 --> 00:03:23,260
+والمصنفون، أو يحصل عليه، دعنا نقول، من رعاية وكفالة
+
+28
+00:03:23,260 --> 00:03:30,120
+من قبل العلماء، من قبل الخلفاء، ومن قبل دولة
+
+29
+00:03:30,120 --> 00:03:38,550
+الإسلام، لكن مع ذلك، وجدنا في عصرنا هذا أن هناك خلافًا
+
+30
+00:03:38,550 --> 00:03:46,430
+بين العلماء في مسألة أخذ البدل المالي، ومن هنا كان
+
+31
+00:03:46,430 --> 00:03:52,850
+الاستغراب، واجبنا عن ذلك بأن اختلاف هؤلاء العلماء في
+
+32
+00:03:52,850 --> 00:03:57,350
+أخذ أو عدم أخذ، في جواز أخذ البدل أو عدم جواز أخذ
+
+33
+00:03:57,350 --> 00:04:04,650
+البدل، ناتج عن أن الأخذ اليوم أصبح أو أمكن أن يكون
+
+34
+00:04:04,650 --> 00:04:12,630
+سببًا في كتمان العلم، وتضييق درجته، ومن هنا كان
+
+35
+00:04:12,630 --> 00:04:21,350
+الاختلاف، هذا هو سبب الاختلاف، ومع ذلك، وجدنا جمهور
+
+36
+00:04:21,350 --> 00:04:28,430
+علماء المسلمين من الفقهاء المعاصرين يقولون بأنه
+
+37
+00:04:28,430 --> 00:04:33,670
+يجوز أخذ البدل المالي، وهم في ذلك حقيقة يسيرون على
+
+38
+00:04:33,670 --> 00:04:38,030
+نهج الأولين، على نهج السلف الصالح القدامى من
+
+39
+00:04:38,030 --> 00:04:46,930
+العلماء في مبدأ إجازة أخذ البدل المالي، حتى مهما
+
+40
+00:04:46,930 --> 00:04:55,570
+كانت النتائج، ومهما ترتب على ذلك من أشياء ربما تمس
+
+41
+00:04:55,570 --> 00:05:02,990
+الآخرين، ما لم يكن قاصدًا لإلحاق هذا الضرر، أو ما دام
+
+42
+00:05:02,990 --> 00:05:11,480
+هذا الإنسان مطالبًا بحقه الذي شرعته له الشريعة، أو
+
+43
+00:05:11,480 --> 00:05:16,180
+الذي أقرته له الشريعة، هو غاية ما في الـ.. أنت أيها
+
+44
+00:05:16,180 --> 00:05:20,800
+الأخ الطالب، عندما تتخرج وتأخذ شهادتك، ربما هذه
+
+45
+00:05:20,800 --> 00:05:25,560
+الشهادة، وهي حق كامل لك، باعتبار ما قدمت على مدار
+
+46
+00:05:25,560 --> 00:05:30,420
+أربع سنوات، ربما تلحق ضررًا بالآخرين بشكل أو بآخر،
+
+47
+00:05:30,420 --> 00:05:35,990
+ولكن هل يمنع ذلك الجامعة أن تعطيها لك؟ لا،  لا يمنع ضررًا
+
+48
+00:05:35,990 --> 00:05:40,470
+يعني تلحق ضررًا من حيث أنه ربما شهادتك هذه التي
+
+49
+00:05:40,470 --> 00:05:48,190
+حصلتها، يعني تتقلد فيها منصبًا مكان شخص آخر، فالحق
+
+50
+00:05:48,190 --> 00:05:53,430
+الضرر بشكل جائر مباشر بشخص آخر، لكن مع ذلك، يعني
+
+51
+00:05:53,430 --> 00:05:58,990
+فإنك، هل يقول واحد أنك غير مستحق لهذه الشهادة لأنه
+
+52
+00:06:04,850 --> 00:06:11,390
+مثال الضرر هذه، لها معالجة خاصة، ونظرات خاصة قائمة
+
+53
+00:06:11,390 --> 00:06:21,210
+على الموازنات العامة، لكن كل نفس بما كسبت رهينة،
+
+54
+00:06:21,210 --> 00:06:26,910
+فلذلك كان رأي جمهور العلماء، كما قلنا، بأن لا بأس به
+
+55
+00:06:26,910 --> 00:06:31,810
+إلا في حالات خاصة ذكرناها، منطلقها أن الضرورات تبيح
+
+56
+00:06:31,810 --> 00:06:39,510
+المحظورات، منطلقها أن الأمور تقدر بقدرها، نعم، أو
+
+57
+00:06:39,510 --> 00:06:44,500
+المصلحة العامة، وقد وضحنا ذلك يعني كثيرًا، أما الرأي
+
+58
+00:06:44,500 --> 00:06:52,200
+الآخر، فظل متمترسًا حول، يعني مسألة أنه لما كان هذا
+
+59
+00:06:52,200 --> 00:06:59,640
+العمل، أي أخذ البدل المالي، يسبب كتمانًا أو شكلًا من
+
+60
+00:06:59,640 --> 00:07:05,530
+أشكال الكتمان، أو صورة من صور تضييق العلم، قالوا
+
+61
+00:07:05,530 --> 00:07:10,830
+إذا هو مباح، إما محرم أو ممنوع، من باب أن ما يؤدي
+
+62
+00:07:10,830 --> 00:07:15,470
+إلى الممنوع فيكون ممنوعًا، ما يؤدي إلى الحرام فيكون
+
+63
+00:07:15,470 --> 00:07:21,870
+حرامًا، وهذه وسيلة من وسائل، أو صورة أو عمل يؤدي إلى
+
+64
+00:07:21,870 --> 00:07:27,070
+كتمان العلم، ومعروف أن، أتمنى قلم، لغو أو فيه ما
+
+65
+00:07:27,070 --> 00:07:31,530
+فيه من البشاعة،
+
+66
+00:07:31,530 --> 00:07:40,960
+وحكمه التحريم بنص القرآن الكريم، ثم بعد ذلك، يعني بعد
+
+67
+00:07:40,960 --> 00:07:46,940
+استعراضنا لأدلة هؤلاء وأولئك، لاحظنا أن أدلة الفريق
+
+68
+00:07:46,940 --> 00:07:53,620
+الأول، القائل بالجواز، الجمهور، أدلة، كما يقولون، لا
+
+69
+00:07:53,620 --> 00:07:58,540
+غبارة عليها، أدلة قوية معتمدة على مبادئ الشريعة،
+
+70
+00:07:58,540 --> 00:08:03,040
+معتمدة على العرف، معتمدة على الواقع، معتمدة على
+
+71
+00:08:03,040 --> 00:08:08,630
+المصالح، كلها أدلة قوية، ترعاها الشريعة في أحكامها،
+
+72
+00:08:08,630 --> 00:08:15,570
+وبالتالي فإن الحكم الذي توصل إليه، يعني يبدو للناظر
+
+73
+00:08:15,570 --> 00:08:23,330
+وللمقارن بين الوجهتين، أنه الراجح، أنه الراجح، وأنه
+
+74
+00:08:23,330 --> 00:08:28,380
+الأقرب إلى الصواب بإذن الله سبحانه وتعالى، أما أدلة
+
+75
+00:08:28,380 --> 00:08:35,520
+الآخرين، التي تبدو في ظاهرها على الأقل، يعني مبنية
+
+76
+00:08:35,520 --> 00:08:41,140
+على النص، أو مردها النصوص الشرعية، ونوع من المنطقية،
+
+77
+00:08:41,140 --> 00:08:46,800
+إلا أنه أمكن للفريق الأول، أو حتى لكل من نظر بدقة،
+
+78
+00:08:46,800 --> 00:08:52,680
+ومقارنة، أمكنه، و لديه شيء من العلم، أن يناقش هذه
+
+79
+00:08:52,680 --> 00:09:00,750
+الأدلة بموضوعية، ويبينوا عدم صحة الاستدلال بها، نحن
+
+80
+00:09:00,750 --> 00:09:06,550
+لا نرد الدليل كدليل، ولكن إنما نرد الاستدلال بهذا
+
+81
+00:09:06,550 --> 00:09:13,940
+الدليل في هذه المسألة، أو تلفيقه، يعني هم لما بيقولوا إن
+
+82
+00:09:13,940 --> 00:09:17,580
+الذين يكتمون ما أنزلنا من البيانات والهدى، هل يمكن
+
+83
+00:09:17,580 --> 00:09:22,300
+لأحد أن يرد هذه الآية؟ بالطبع لا، وإنما أن يُسخر
+
+84
+00:09:22,300 --> 00:09:26,920
+هذه الآية، أن توجهها في غير موضعها، هذا الذي يكون
+
+85
+00:09:26,920 --> 00:09:32,550
+محل نقاش، وإلا فإن الآية ثابتة، والدليل ثابت، لكن هو
+
+86
+00:09:32,550 --> 00:09:36,870
+ليس بالضرورة أن يكون دالًا على ما قالوا عليه، ربما
+
+87
+00:09:36,870 --> 00:09:43,450
+هناك من يحاولون بقصد أو بغير قصد أن يلووا أعناق
+
+88
+00:09:43,450 --> 00:09:49,900
+النصوص، ويستدلون بها في غير موضوعها، هذا يجب أن ينتبه
+
+89
+00:09:49,900 --> 00:09:55,160
+إليه، لكل آية روح، ولذلك كان، إن كنتم تذكرون، كان
+
+90
+00:09:55,160 --> 00:10:02,440
+من أحد الشروط التي يجب أن تتمثل في المجتهد أن يكون
+
+91
+00:10:02,440 --> 00:10:06,990
+عالمًا بمقاصد التشريعة، بروح التشريع، مش بس حفظ
+
+92
+00:10:06,990 --> 00:10:12,230
+الآيات والأدلة، بل المسألة لابد أن يكون لديه بعد
+
+93
+00:10:12,230 --> 00:10:19,470
+نظر وفهم لكليات الشريعة ومقاصدها وأسرارها و
+
+94
+00:10:19,470 --> 00:10:27,860
+دلالات نصوصها، وبدأنا بالفعل نناقش هذه الأدلة دليلًا
+
+95
+00:10:27,860 --> 00:10:35,540
+دليلًا، ونرد عليها، بدءًا بدليل الآية: إن الذين يكتمون
+
+96
+00:10:35,540 --> 00:10:40,120
+ما أنزلنا من البيانات والهدى، إلى آخر الآيات،
+
+97
+00:10:40,120 --> 00:10:48,780
+وقلنا بأن من أراد أن يستدل بهذه الآية ينبغي أن
+
+98
+00:10:48,780 --> 00:10:53,960
+ينظر إلى النصوص الأخرى، ينبغي أن ينظر إلى النصوص
+
+99
+00:10:53,960 --> 00:11:01,040
+الأخرى، عندها تتضح له الرؤية، أي أنت وأنت تقرأ قول
+
+100
+00:11:01,040 --> 00:11:07,520
+الله: إن الله، إن الذين يكتمون ما أنزلنا من البيانات،
+
+101
+00:11:07,520 --> 00:11:12,300
+والهدى، ينبغي أن لا تغمض عينك عن قوله تعالى: يا
+
+102
+00:11:12,300 --> 00:11:17,560
+أيها الذين آمنوا، لا تأكلوا أموالكم بينكم بالباطل،
+
+103
+00:11:17,560 --> 00:11:25,640
+ذلك، فإن من يمنع المؤلف الذي بذل جهدًا مضنيًا
+
+104
+00:11:25,640 --> 00:11:31,300
+وكبيرًا في أخذ، يمنعه عن أخذ البدل المالي، هو شيء أو
+
+105
+00:11:31,300 --> 00:11:36,060
+صورة أو نوع من أكل أموال الناس بالباطل، اعتداء على
+
+106
+00:11:36,060 --> 00:11:41,280
+الحقوق، فهو أكل أموال الناس بالباطل، فلا يجوز،
+
+107
+00:11:41,280 --> 00:11:46,220
+وعندها ينبغي أن يُفسر قول الله عز وجل، حتى لا يكون
+
+108
+00:11:46,220 --> 00:11:51,520
+ثم تتعارض، ولا تناقض بين النصوص وبين قواعد الشريعة،
+
+109
+00:11:51,520 --> 00:11:57,180
+أن يُفسر قول الله: إن الذين يكتمون ما أنزلنا من
+
+110
+00:11:57,180 --> 00:12:04,020
+البيانات والهدى، يعني يكتمونه قصدًا وبغير مبرر وبغير
+
+111
+00:12:04,020 --> 00:12:10,580
+مسوغ، هو قاصد، لكن عندما هو لم يقصد كتمان
+
+112
+00:12:10,580 --> 00:12:16,260
+العلم، ولم يقصد تضييق دائرته، ولديه ما يسوغ
+
+113
+00:12:16,260 --> 00:12:21,400
+بالمطالبة بحقه، كيف يسمى هذا كاتمًا للعلم؟ وكيف
+
+114
+00:12:21,400 --> 00:12:27,500
+يندرج تحت عموم هذه الآية التي تلعن الكاتمين؟ نحن نقول
+
+115
+00:12:27,500 --> 00:12:33,490
+بأن كاتم العلم ملعون، ولكن أن يكون كتمه قصدًا وأن
+
+116
+00:12:33,490 --> 00:12:39,670
+يكون كتمه، يعني إيه له.. ليس له ما يبرره، لكن هذا
+
+117
+00:12:39,670 --> 00:12:45,970
+ربما ترتب عليه نوع من الكتمان، لغلابة قصدًا، ولديه ما
+
+118
+00:12:45,970 --> 00:12:52,950
+يسوغ هذه المطالبة التي ترتب أو ترتب عليه، ربما نوع
+
+119
+00:12:52,950 --> 00:12:57,450
+من أنواع الكتمان كان يمكن تداركه بقليل من التدخل
+
+120
+00:12:57,450 --> 00:13:05,490
+من قبل الدولة، دون أن يُغمط هذا المؤلف حقه، رأيت كيف
+
+121
+00:13:05,490 --> 00:13:09,490
+أن من قام بعملية الاحتكار،
+
+122
+00:13:17,560 --> 00:13:23,480
+لكن من قام بعملية الاحتكار، كيف يتم علاج الأمر؟ هل
+
+123
+00:13:23,480 --> 00:13:30,520
+بكسر ظهره ومصادرة سلعته؟ أو بإجباره على بيعها
+
+124
+00:13:30,520 --> 00:13:36,520
+بالسعر المعتدل، وبالسعر الدارج؟ إذًا لا يُحْضَم أحد،
+
+125
+00:13:36,520 --> 00:13:44,420
+أنا بأجبره، وكذلك هذا المؤلف، أنا أستطيع أن أجبره
+
+126
+00:13:44,420 --> 00:13:52,600
+على نشر العلم، على أن ينتفع الجميع بكتابه، لكن ليس
+
+127
+00:13:52,600 --> 00:13:59,880
+قبل أن أعطيه حقه، وهنا تتكامل الصورة، ولا يدخل في
+
+128
+00:13:59,880 --> 00:14:08,120
+عموم هذا، إذًا ليس بالضرورة أن يكون هذا الذي يطالب
+
+129
+00:14:08,120 --> 00:14:12,700
+بحقه من الذين يكتمون العلم، ولا يدخل في عموم هذه
+
+130
+00:14:12,700 --> 00:14:17,930
+الآية، مسألة القربة أيضًا، قلنا إنه يعني الذين استدلوا
+
+131
+00:14:17,930 --> 00:14:21,650
+فيها أن هذا يعتبر قربة من القربات، وطاعة من الطاعات،
+
+132
+00:14:21,650 --> 00:14:25,990
+وبالتالي لا يجوز أخذ البدل المالي عنها، قالوا لهم:
+
+133
+00:14:25,990 --> 00:14:30,850
+يا جماعة، ماشي، القربات، سلمنا، نسلم معكم، ونتفق معكم
+
+134
+00:14:30,850 --> 00:14:35,810
+معكم بأن القربات والعبادات والطاعة لله رب العالمين،
+
+135
+00:14:35,810 --> 00:14:40,850
+ليس فيها، ليس عليها بدل، ولا يُؤخذ عنها بدل، لكن في
+
+136
+00:14:40,850 --> 00:14:47,800
+أحيانًا الظروف والأحوال تتغير وتتبدل وتقتضي تغيير
+
+137
+00:14:47,800 --> 00:14:54,260
+الحكم، فإنه لا يُنكر تغيير الأحكام بتغير الزمان،
+
+138
+00:14:54,260 --> 00:15:00,080
+والمكان والظروف والأعراف، لا أنكر يا إخوان، خاصة
+
+139
+00:15:00,080 --> 00:15:06,360
+إذا تعلق الأمر، خاصة إذا تعلق الأمر، يعني بشيء مهم،
+
+140
+00:15:06,360 --> 00:15:10,680
+بشعيرة من شعائر الإسلام، أو بعادة من عبادات الإسلام،
+
+141
+00:15:10,680 --> 00:15:16,580
+يُخشى عليها من أن، يعني تذوب أو تنقرض، أو لا يقبل
+
+142
+00:15:16,580 --> 00:15:23,210
+عليها أحد، الأذان، الإمامة، تعليم القرآن، هذا لو في
+
+143
+00:15:23,210 --> 00:15:29,350
+عصرنا هذا، لو لم يُعطَ المؤذنون، لو لم يُعطَ
+
+144
+00:15:29,350 --> 00:15:34,290
+الأئمة، لو لم يُعطَ معلمو القرآن الكريم أجرًا على
+
+145
+00:15:34,290 --> 00:15:39,390
+تعليمهم، مع الإقرار بأن كل هذا من روح العبادات، من
+
+146
+00:15:39,390 --> 00:15:43,130
+العبادات، من أساسيات العبادات والطاعة، من أعظم ما
+
+147
+00:15:43,130 --> 00:15:48,190
+يتقرب الإنسان إلى الله، ولا لا؟ فهي من لغة الطاعات
+
+148
+00:15:48,190 --> 00:15:53,590
+والعبادات، ومع ذلك فقد أقرّ كثير من العلماء القدامى
+
+149
+00:15:53,590 --> 00:16:00,050
+والمعاصرين جواز أخذ بدل مالي عن تعليم القرآن، جواز
+
+150
+00:16:00,050 --> 00:16:04,970
+أخذ بدل مالي عن الإمامة، جواز أخذ بدل مالي عن
+
+151
+00:16:04,970 --> 00:16:12,820
+الخطابة، جواز أخذ بدل مالي عن رفع الأذان، مع ما فيه
+
+152
+00:16:12,820 --> 00:16:16,300
+من قربة كبيرة عند الله، واحنا سردنا المرة الماضية
+
+153
+00:16:16,300 --> 00:16:21,720
+عددًا من الأحاديث التي تدل على مقام هذه الصور من
+
+154
+00:16:21,720 --> 00:16:26,200
+العبادات عند الله سبحانه وتعالى، أطلب لكم مثالًا فقط
+
+155
+00:16:26,200 --> 00:16:31,900
+في واقعنا، كان في مرحلة من المراحل، وزارة الأوقاف
+
+156
+00:16:31,900 --> 00:16:41,060
+تُوَطِّي للخطباء الذين يخطبون، يعني بيسموها مقطوعة،
+
+157
+00:16:41,880 --> 00:16:47,160
+يخطبون في المساجد، لهم عمل آخر، موظف، مدرس، طبيب، فا…
+
+158
+00:16:47,160 --> 00:16:54,180
+لكنهم لهم قدرة يجيدون الخطابة، فيتم الترتيب بينه
+
+159
+00:16:54,180 --> 00:16:59,140
+وبين الأوقات، في أن يخطب كل جمعة مقابل خمسمائة شكل
+
+160
+00:16:59,140 --> 00:17:07,020
+شهريًا، بيسموها مقطوعة، مش موظف رسمي، خمسمائة شكل، وهذه
+
+161
+00:17:07,020 --> 00:17:10,740
+حقيقة، الخطوة
+
+162
+00:17:11,570 --> 00:17:21,010
+سببت، تسبب عنها نور إقبال، وتجويد للخطبة، واهتمام بها،
+
+163
+00:17:21,010 --> 00:17:26,630
+والتزام بمواعيدها، أحيانًا كثيرة ندخل المسجد، لا خطبة،
+
+164
+00:17:28,070 --> 00:17:36,370
+أحيانًا خطبة غير معدة، أداء جيد، لكن طبعًا مثل
+
+165
+00:17:36,370 --> 00:17:42,210
+هؤلاء الذين عندهم قدرات وإمكانيات، تحفيظهم على
+
+166
+00:17:42,210 --> 00:17:51,110
+الخطبة بمقابل بسيط أو مش بسيط، معقول؟ يعني رفع
+
+167
+00:17:51,110 --> 00:17:58,200
+من مستوى الخطبة، وأفاد الناس عمومًا،
+
+223
+00:23:07,220 --> 00:23:12,220
+دولة الإسلام ولم تقضِ بحاجة إلى ناسٍ يعني متذبذبين
+
+224
+00:23:12,220 --> 00:23:19,000
+ومترددين، وإيمانهم مربوط بالمال، لكن يا إخوة في نفس
+
+225
+00:23:19,000 --> 00:23:25,700
+الوقت أقول إنه من الممكن في أي زمان، ليس معناه أن
+
+226
+00:23:25,700 --> 00:23:32,270
+عمر أوقفه، أنه أوقفه البتة أو تأبيده، إن ضعفت دولة
+
+227
+00:23:32,270 --> 00:23:36,390
+الإسلام، أو حتى مش ضعفت، حتى في حالة القوة، احتاجت
+
+228
+00:23:36,390 --> 00:23:40,830
+في بعض الحالات إلى بعض الناس أن تؤلفهم وتعطيهم
+
+229
+00:23:40,830 --> 00:23:46,670
+يعني على مدار سنة، سنتين، إلى أن كذا، ترا منهم
+
+230
+00:23:46,670 --> 00:23:51,310
+الخير ويتحقق على أيديهم الخير، ليس أن يعادل، ليس
+
+231
+00:23:51,310 --> 00:23:56,930
+هذا تعطيلًا للنص، وإنما هو تطبيقًا دقيقًا صحيحًا
+
+232
+00:23:56,930 --> 00:24:03,290
+للنص، متى يرتبط بقلة ايه؟ يعني على كل الأحوال، وهذا
+
+233
+00:24:03,290 --> 00:24:06,890
+... من ... من هذا القبيل، يعني مسألة القربة قد يُؤخذ
+
+234
+00:24:06,890 --> 00:24:10,950
+عليها أجرًا وقد... قديمًا، لماذا لم يكن يأخذ الناس
+
+235
+00:24:10,950 --> 00:24:14,810
+قربة؟ أولًا، المادة ما كانتش طاغية، الإيمان كان جاريًا
+
+236
+00:24:14,810 --> 00:24:19,330
+عند الناس، ما كانش في... يعني الحياة بسيطة، أي حاجة
+
+237
+00:24:19,330 --> 00:24:23,330
+الواحد ما فيهوش بده كناب ولا تلفزيون ولا بده مش عارف
+
+238
+00:24:23,330 --> 00:24:28,610
+إيش، مطالب كثيرة، الحياة بسيطة، فيمكن أن يتفرغ
+
+239
+00:24:29,020 --> 00:24:32,680
+للتقرب إلى الله دون أن يتقاضى أجرًا، ويمكن إلى جانب
+
+240
+00:24:32,680 --> 00:24:38,100
+ذلك أن يعمل أعمالًا يعني تعود عليه بالارتزاق بما
+
+241
+00:24:38,100 --> 00:24:43,480
+يكفي حياته الأساسية، ما فيش... لم يكن داعي، ولذلك كان
+
+242
+00:24:43,480 --> 00:24:47,780
+في... ما عادش كان بيطلب بشيء منها، لكن اليوم الحياة
+
+243
+00:24:47,780 --> 00:24:55,660
+تغيرت، المعطيات تغيرت، وصار في خوف على هذه الشعائر، على
+
+244
+00:24:55,660 --> 00:25:00,820
+هذه العبادات، فكان صار أكثر من نعم، يا أخ كنت
+
+245
+00:25:00,820 --> 00:25:05,700
+بتقول إن الدكتور لو كان في مصر، فقير، لو كان في مسلم
+
+246
+00:25:05,700 --> 00:25:09,600
+فقير، لو في واحد أسلم جديدًا، كان مسيحيًا وأسلم جديدًا
+
+247
+00:25:09,600 --> 00:25:15,040
+مثلًا، فبسبب أنه أسلم... بسبب أنه أسلم فقد شغله
+
+248
+00:25:15,040 --> 00:25:19,400
+المشي هذا، ما فيش موقفه، مين... مين أجدَر بالصدقة؟
+
+249
+00:25:19,400 --> 00:25:22,620
+هل المسلم اللي كان فقيرًا من الأساس، ولا المسيحي اللي
+
+250
+00:25:22,620 --> 00:25:27,100
+أسلم جديدًا؟ هو الآن... انسى أنه كان مسيحيًا، هو الآن
+
+251
+00:25:27,100 --> 00:25:33,940
+صار مسلمًا، فيساوي بينه وبين غيره، ثانيًا هو صار فقيرًا،
+
+252
+00:25:33,940 --> 00:25:41,980
+ثالثًا هو صار مستحقًا باعتبار أنه فقد مرتبة مثلًا أو
+
+253
+00:25:41,980 --> 00:25:48,050
+لم يعد قادرًا على يعني رعاية أمور حياته،صار مستحقًا
+
+254
+00:25:48,050 --> 00:25:52,710
+للزكاة شأنه وشأن غيره، فليس في العمر مشكلة،
+
+255
+00:25:52,710 --> 00:25:56,990
+والزكاة مش هتكون يعني بس على واحد ولا اثنين،
+
+256
+00:25:56,990 --> 00:26:00,830
+الزكاة تُوزع على عامة الفقراء والمساكين والمحتاجين،
+
+257
+00:26:00,830 --> 00:26:05,730
+نعم، يا إخوة، زكاة أموال الناس، المسلمين، لو أخذت
+
+258
+00:26:05,730 --> 00:26:12,370
+وَدُفعت، أو لو دُفعت بحق، لكفت وغطت كل الفقراء، ولم نرَ
+
+259
+00:26:12,370 --> 00:26:16,170
+فقراء في... في كل عام، لو كان الناس بيدفعوا اثنين و
+
+260
+00:26:16,170 --> 00:26:20,450
+نصف في المئة، لا بدنا سبعة عشر في المئة مكوس ولا ضريبة
+
+261
+00:26:20,450 --> 00:26:25,450
+ولا إضافية ولا مش عارف إيش، اثنين ونصف في المئة زكاة
+
+262
+00:26:25,450 --> 00:26:31,720
+بحق، يدفعها أغنياء المسلمون من أموالهم، تكفي لتغطية
+
+263
+00:26:31,720 --> 00:26:36,200
+حاجة جميع الفقراء والمحتاجين في الأوضاع الطبيعية
+
+264
+00:26:36,200 --> 00:26:40,180
+إلا في حالة الكوارث والحروب، كذا، ربما نحتاج إلى
+
+265
+00:26:40,180 --> 00:26:46,810
+المزيد، غير ذلك، لكن في الحالة الطبيعية يعني يكفي، إذن
+
+266
+00:26:46,810 --> 00:26:52,110
+مسألة القربة أيضًا لا إشكال فيها، مسألة ال... ال...
+
+267
+00:26:52,110 --> 00:26:58,370
+... ال... البيع، قالوا، أو قبل البيع، قالوا قياسًا على
+
+268
+00:26:58,370 --> 00:27:06,250
+إيه؟ على الشفعة، مش المعارضين، قالوا من ضمن
+
+269
+00:27:06,250 --> 00:27:09,990
+الاستدلالات تبعتهم على عدم جواز أخذ البدل المالي
+
+270
+00:27:09,990 --> 00:27:13,890
+قياسًا على حق الشفعة، مش هتحكيناها المرة اللي فاتت
+
+271
+00:27:13,890 --> 00:27:20,620
+ولا لا؟ ب... ب... ب... ب... وبالقاس المشترك اللي
+
+272
+00:27:20,620 --> 00:27:25,120
+هو إيه؟ كونه حقًا معنويًا... حقًا معنويًا... حقًا معنويًا...
+
+273
+00:27:25,120 --> 00:27:28,860
+حق معنوي، تبقى الشفعة، لا يجوز اتفاقًا أخذ بدل مالي
+
+274
+00:27:28,860 --> 00:27:36,220
+عنه، إذا زي نظرية وبرهان، إذا الحق التأليف لا يجوز
+
+275
+00:27:36,220 --> 00:27:42,820
+لكن برضه هذا يعني مردود الاستدلال بكلمة واحدة
+
+276
+00:27:42,820 --> 00:27:51,050
+القياس مع الفارق، بتجيب صورة لم يرد فيها حكم، تتعرف
+
+277
+00:27:51,050 --> 00:27:54,430
+على حكم على صورة ورد فيها حكم، أو ظاهر فيها الحكم
+
+278
+00:27:54,430 --> 00:28:02,310
+بد يكون في تطابق كامل، عشان أنت يعني يستقيم الحكم
+
+279
+00:28:02,310 --> 00:28:07,210
+اللي لم يكن تطابقًا، مش ضرورة بس يعني في جانب واحد
+
+280
+00:28:07,210 --> 00:28:12,790
+التطابق، لأ، في كل الجوانب، الشفعة وحق التأليف، حقين
+
+281
+00:28:12,790 --> 00:28:18,120
+من الحقوق المعنوية، صحيح، حقين الحقوق المعنوية، لكن يا
+
+282
+00:28:18,120 --> 00:28:24,980
+أخوة، بيختلفوا عن بعضهم اختلافات كثيرة، حق الشفعة
+
+283
+00:28:24,980 --> 00:28:31,660
+ليس حقًا ناتجًا عن جهدك العقلي ولا جهدك الفكري ولا
+
+284
+00:28:31,660 --> 00:28:37,080
+لا، حق الشفعة أثبتته الشريعة لك، للجار أو للشريك
+
+285
+00:28:37,080 --> 00:28:45,760
+دفعًا للضرر، بينما حق التأليف يعني حق صادر، يعني حق
+
+286
+00:28:45,760 --> 00:28:51,460
+ثبت لك باعتباره صادر عن جهد أو نتائج جهد منك
+
+287
+00:28:51,460 --> 00:28:59,100
+باركته و... و... يعني، وبالتالي فهو حق ابتدائي و
+
+288
+00:28:59,100 --> 00:29:04,640
+ليس عرضي، مش دافع للضرر، لأ، ضرر، مش ضرر، حتى إحنا جينا
+
+289
+00:29:04,640 --> 00:29:10,400
+لو ترتب على درجة ضرر يثبت هذا الحق، ضرر هذا حقيقي، يعني
+
+290
+00:29:10,400 --> 00:29:18,800
+تستحقه مقابل ما بذلته من جهد، فهو حق ثابت ابتدائي و
+
+291
+00:29:18,800 --> 00:29:25,370
+ليس عرضيًا لسبب آخر، بذواله يزول، ومن هنا اختلفت الصورة
+
+292
+00:29:25,370 --> 00:29:30,810
+ومن هنا القياس اختلف، يعني هناك، لما أنزل ضرر لم
+
+293
+00:29:30,810 --> 00:29:35,410
+يعود في حق الشفعة، لم يعود لك بالفعل حق، ونحن مع ذلك
+
+294
+00:29:35,410 --> 00:29:40,250
+في أخذ البدل، لكن هنا هذا حق مش ليه متعلق بضرر ولا
+
+295
+00:29:40,250 --> 00:29:45,590
+بغيره، وإنما متعلق بجهد أنت بذلته فتستحق عليه الأجر
+
+296
+00:29:45,590 --> 00:29:48,050
+فالأمر مختلف هنا
+
+297
+00:29:50,930 --> 00:29:57,070
+الدليل الرابع الذي استدلوا فيه أو به، وهو إيه؟
+
+298
+00:29:57,070 --> 00:30:01,450
+مسألة إن اللي بيبيع... قالوا، إيش المعارضين؟ قالوا
+
+299
+00:30:01,450 --> 00:30:09,110
+أليس من باع شيئًا يملكه؟ ومن يملك شيئًا حق له التصرف
+
+300
+00:30:09,110 --> 00:30:14,730
+فيه كيفما شاء، صحيح، قالوا، أنتم وفق الصورة اللي
+
+301
+00:30:14,730 --> 00:30:17,970
+بتحكوها أنتم، بناءً على جواز أخذ البدل المالي
+
+302
+00:30:17,970 --> 00:30:23,030
+الواحد المؤلف بيبيع الكتاب، وبعدين، بعد ما يبيعه
+
+303
+00:30:23,030 --> 00:30:33,590
+بيلاحق المشتري ويقيد تملكه، كيف يقيد تملكه من حيث
+
+304
+00:30:33,590 --> 00:30:41,780
+منعه من... من طباعته ونشره، وهل هذا يستقيم؟ هذا لا
+
+305
+00:30:41,780 --> 00:30:45,960
+يستقيم، كأنهم... كأنهم يريدون أن يقولوا... يعني
+
+306
+00:30:45,960 --> 00:30:53,210
+إذا قلتم يعني... يعني أنه... البيع جائز، لكن أي بيع
+
+307
+00:30:53,210 --> 00:31:00,910
+هذا الذي يبيعه، ثم يلاحق المشتري ويقيده، الأصل في
+
+308
+00:31:00,910 --> 00:31:08,990
+البيع أنه تملك وتأبيد وحرية مطلقة في التصرف، ولا
+
+309
+00:31:08,990 --> 00:31:14,270
+يحدث هذا فيما تفعلون، إذا من أصله كأنهم بدهم
+
+310
+00:31:14,270 --> 00:31:21,890
+يقولوا من أصله البيع مش جائز في هذه الحالة، فرد
+
+311
+00:31:21,890 --> 00:31:28,890
+عليهم بأن التقييد
+
+312
+00:31:28,890 --> 00:31:39,850
+هذا ليس معناه بطلان البيع، ذلك أن هناك فرق بين
+
+313
+00:31:39,850 --> 00:31:48,910
+تملك الشيء وإنتاج مثله، بين تملك الشيء وإنتاج مثله
+
+314
+00:31:48,910 --> 00:31:53,870
+بالفعل، تملك الشيء يعطي الإنسان الحق في التصرف فيه
+
+315
+00:31:53,870 --> 00:31:58,870
+ونحن لا نمنع من أن يتصرف مشتري الكتاب كيف يشاء
+
+316
+00:31:58,870 --> 00:32:08,410
+لمنع، يبيعه لآخر، لصاحبه، يقرأ فيه إن شاء الله، يمزقه
+
+317
+00:32:08,410 --> 00:32:15,630
+ويورده ويحط فيه فلفل، زي ما بيحصل أحيانًا، حر حر حر فيه
+
+318
+00:32:15,760 --> 00:32:24,320
+لكن أن ينتج مثله، بنقول له لأ، لأنه أنت ما اشتريت
+
+319
+00:32:24,320 --> 00:32:32,280
+الفكرة، أنت اشتريت الكتاب، الجلد والورق، وكأنك اشتريت
+
+320
+00:32:32,280 --> 00:32:36,400
+الانتفاع، فاكرين يا إخوة أول ما شبهنا الكتاب أو
+
+321
+00:32:36,400 --> 00:32:43,510
+المؤلف، شبهناه بالمنافع اللي بتُؤجّر بيتُه، بعد... و
+
+322
+00:32:43,510 --> 00:32:46,490
+بعد... إن شاء الله بعد عشرين سنة، دفع حقه كامل، عشر
+
+323
+00:32:46,490 --> 00:32:50,650
+... في ناس طول المدة ما بتجيء تدفع أكثر من حِج البيت
+
+324
+00:32:50,650 --> 00:32:57,030
+أجابه، بقدر يقول البيت، إيه اللي صار؟ لأ، لأن هو
+
+325
+00:32:57,030 --> 00:33:02,350
+اشتراه منفعة أو أجّره منفعة، أنت هنا يعني اشتريت
+
+326
+00:33:02,350 --> 00:33:04,790
+يعني أوراقًا
+
+327
+00:33:06,730 --> 00:33:10,790
+وكلامًا وانتفعت به، يعني فيه جانب منفعة أو جانب
+
+328
+00:33:10,790 --> 00:33:17,290
+الأوراق هذه البوتقة تُعتبر لاحتضان المنفعة أو
+
+329
+00:33:17,290 --> 00:33:22,470
+الفكرة، حر فيها، تتصرف فيها، أما الفكرة أو ذات الفكرة
+
+330
+00:33:22,470 --> 00:33:28,180
+مش لك، ما تشتريها بعشرين شكل، ولا يُعقل هذا، فلذلك
+
+331
+00:33:28,180 --> 00:33:33,740
+ممنوع تتصرف فيها، فالأمر مختلف إذن، ما تجيبليش
+
+332
+00:33:33,740 --> 00:33:37,840
+هادي على هادي، وبالضبط قولنا يوم، هتقول اللي فات،
+
+333
+00:33:37,840 --> 00:33:43,460
+قولنا كيف؟ إنه زي الفلوس، زي أي ابتكار، يعني، وشُفنا
+
+334
+00:33:43,460 --> 00:33:48,940
+إحنا الشركات بترفع على بعضها قضايا لما بتحس إن
+
+335
+00:33:48,940 --> 00:33:54,300
+شركة يعني أخذت الفكرة، الفكرة أو جزء من الفكرة يعني
+
+336
+00:33:54,300 --> 00:34:03,270
+منها، خامسًا، قالوا يعني أضافوا إلى كل ذلك ردًا، كرد
+
+337
+00:34:03,270 --> 00:34:07,690
+إجمالي، كرد إجمالي، قالوا يعني، وكان بهم يا إخوة
+
+338
+00:34:07,690 --> 00:34:12,030
+يريدون أن يقولوا في النهاية يا جماعة، اسمعوا ماشي
+
+339
+00:34:12,030 --> 00:34:20,810
+الحال، سلمنا لكم جواز البيع، لكن هو اللي بده يبيع
+
+340
+00:34:20,810 --> 00:34:25,770
+بده يبيع كم من مرة الشغلة؟ تبيع كم من مرة؟ مرة
+
+341
+00:34:25,770 --> 00:34:32,190
+واحدة، بعدها يحدث تملك، إذا باعها في المرة الأولى
+
+342
+00:34:32,190 --> 00:34:39,050
+فقالوا خلاص، فيكفيه هذا، فلا يحق له أن يبيعها مرة
+
+343
+00:34:39,050 --> 00:34:45,090
+أخرى، ويصبح من حق كل من اشترى كتابًا بعد ذلك أن
+
+344
+00:34:45,090 --> 00:34:50,900
+يتصرف فيه وأن يطبعه يعني كما يشاء، هكذا قالوا، خاصة
+
+345
+00:34:50,900 --> 00:34:56,740
+أن هذا الفعل قد لا يعود عليه بالخسارة، وإنما ذلك
+
+346
+00:34:56,740 --> 00:35:00,800
+لأنه بطبعته الأولى، وفي باقي الكتاب، أول مرة في
+
+347
+00:35:00,800 --> 00:35:07,060
+الطبعة الأولى، قد مال حقه، وهنا
+
+348
+00:35:07,060 --> 00:35:12,800
+أيضًا يُرد على هذا الكلام قريبًا من ما يُرد عليه في
+
+349
+00:35:12,800 --> 00:35:23,070
+الصورة أو في الدليل الذي قبله، ذلك أن أولًا
+
+350
+00:35:23,070 --> 00:35:29,830
+هناك فيه فرق بين الفكرة والكتاب، وبالتالي ليس من
+
+351
+00:35:29,830 --> 00:35:35,830
+حق من اشترى الكتاب أن يبيعه، وإن كان هناك منفعة، هو
+
+352
+00:35:35,830 --> 00:35:46,170
+حق بها، ثم إنه حتى وإن افترضنا أنه ببيعه الكتاب
+
+353
+00:35:46,170 --> 00:35:53,590
+في المرة الأولى قد حصل مقابل جوده، فإنه لا يمنع يا
+
+354
+00:35:53,590 --> 00:36:01,810
+إخوة، إذا كان ثمة إمكانية للانتفاع مرة أخرى، لا يمنع
+
+355
+00:36:01,810 --> 00:36:08,410
+أن يعني يستفيد من هذه الفكرة أو من هذا المؤلف مرة
+
+356
+00:36:08,410 --> 00:36:14,130
+أخرى، ذلك أن هذه الفكرة فكرة خاصة له، ومن أحق
+
+357
+00:36:14,130 --> 00:36:19,510
+بالاستفادة إذا كانت الاستفادة متجددة، يعني، من أحق
+
+358
+00:36:20,180 --> 00:36:25,140
+بمن بهذه الفائدة؟ اللي بيزرع شجرة، واحد يقول له أنت
+
+359
+00:36:25,140 --> 00:36:29,580
+هذه السنة إيه بتاخد ثمارها، بعد هيك خلاص بكفيك
+
+360
+00:36:29,580 --> 00:36:34,100
+أنت إيش اللي سويته؟ أنت زرعت البذرة، إحنا بعد هيك
+
+361
+00:36:34,100 --> 00:36:39,600
+لنا لناس ثانية، بدنا نعطيه للي جاء، بس إيش للي جاء
+
+362
+00:36:39,600 --> 00:36:48,530
+سقاها ولا للي جاء رش عليها شوية كيماوي؟ بينفع؟ لأ، في
+
+363
+00:36:48,530 --> 00:36:52,870
+صاحب الشيء الأول والحقيقي هو اللي أحق به، تقول لي
+
+364
+00:36:52,870 --> 00:36:57,930
+طب إيش هيخسرك؟ الله، إيش هيخسرني؟ طب ما هي مش
+
+365
+00:36:57,930 --> 00:37:00,110
+هتخسرني، لكن هتضرني
+
+366
+00:37:18,830 --> 00:37:23,030
+يعني في الوضع الطبيعي، إنه أنا ممكن أبيعه أربح فيه
+
+367
+00:37:23,030 --> 00:37:27,470
+عشرة شكل، لكن لو غليت ال... ال... الأسعار وجاب
+
+368
+00:37:27,470 --> 00:37:32,570
+مئة شكل، واحد يقول لي والله أنت هيك ربح كتير، لأ،
+
+369
+00:37:32,570 --> 00:37:37,490
+من حق، ولذلك في الإسلام حتى ليس هناك سقف للربح، ما
+
+370
+00:37:37,490 --> 00:37:41,550
+لم يكن استغلالًا، إذا أنت بتبيع الشيء بحقه، يعني
+
+371
+00:37:41,550 --> 00:37:47,590
+طبيعة الظرف، العرض والطلب والإنتاج والمنتجات هي
+
+372
+00:37:47,590 --> 00:37:53,150
+اللي رفعت الأسعار، مش احتكرت أنا ولا استغليت، طبيعي
+
+373
+00:37:53,150 --> 00:37:57,670
+الأمور، أنا شريت أرض قبل مثلًا عشر سنين بعشرة آلاف
+
+374
+00:37:57,670 --> 00:38:01,350
+دينار، اليوم حاجة مئة ألف دينار، حد بيجي يقول بيبيع
+
+375
+00:38:01,350 --> 00:38:07,770
+بعشرين، يا عم مكفي الضعف ولا بتلاتين؟ ليش؟ ولا هذا لا
+
+376
+00:38:07,770 --> 00:38:12,230
+يسبب لك خسارة؟ لا يسبب لي خسارة، صحيح، لكنه يسبب لي
+
+377
+00:38:12,230 --> 00:38:17,050
+ضررًا يعني بشكل أو بآخر، لأن أنا لو قررت أن أبيع أو
+
+378
+00:38:17,050 --> 00:38:22,010
+أشتري قطعة أخرى، لا أستطيع، أنا بخسر بشكل يعني على
+
+379
+00:38:22,010 --> 00:38:28,390
+كل الأحوال، كل هذه المناقشات، يعني استطعنا، يعني توصلنا
+
+380
+00:38:28,390 --> 00:38:36,210
+أو نتوصل من خلالها إلى أن القول الراجح هو إيه؟ هو
+
+381
+00:38:36,210 --> 00:38:42,370
+القول الأول، وأيد كل هذا مجلس مجمع الفقه الإسلامي
+
+382
+00:38:42,370 --> 00:38:51,830
+الذي يعني أجاز في كلامه أو في نصوصه أخذ حقوق
+
+383
+00:38:51,830 --> 00:38:57,430
+الابتكار والتأليف من ضمنها، عندما قال حقوق التأليف
+
+384
+00:38:57,430 --> 00:39:03,250
+أولًا حقوق التأليف والاختراع والابتكار مصونة
+
+385
+00:39:03,250 --> 00:39:08,790
+شوف كلمة مصونة، ممنوع حد يمسها، يعني مصونة مصونة
+
+386
+00:39:08,790 --> 00:39:17,580
+شرعًا لأصحابها، ويحق لهم التصرف فيها ولا يجوز
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0_postprocess.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0_postprocess.srt
new file mode 100644
index 0000000000000000000000000000000000000000..763113512e2a24efc95ae9ec3ef9b79b6fe19890
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0_postprocess.srt
@@ -0,0 +1,1548 @@
+1
+00:00:20,690 --> 00:00:26,350
+الصلاة والسلام على رسول الله وعلى
+
+2
+00:00:26,350 --> 00:00:32,250
+آله وصحبه ومن اهتدأ بهديه واستنى بصناته إلى يوم
+
+3
+00:00:32,250 --> 00:00:38,410
+الدين اللهم اننا نسألك الهدى والتقى والعفاف والغنى
+
+4
+00:00:38,410 --> 00:00:46,370
+وان تعلمنا ماينفعنا وان تنفعنا بما علمتناوبعد لا
+
+5
+00:00:46,370 --> 00:00:53,350
+يزال الحديث متواصلا حول الحقوق أو بعض صور الحقوق
+
+6
+00:00:53,350 --> 00:00:59,890
+المعنوية بنتعرف عليها ونتعرف على موقف الشريعة
+
+7
+00:00:59,890 --> 00:01:07,630
+الإسلامية من أخذ البدل المالي عنها وكنا في أكثر من
+
+8
+00:01:07,630 --> 00:01:12,750
+محاضرتين ربما سابقتين قد تحدثنا عن حق التاليف
+
+9
+00:01:13,240 --> 00:01:18,100
+الصورة الأولى من صور الحقوق من صور حقوق الإبتكار
+
+10
+00:01:18,100 --> 00:01:22,460
+أو الحقوق المعنوية فتعرفنا
+
+11
+00:01:22,460 --> 00:01:30,500
+عليه من حيث معناه لغة واصطلاحا وتعرفنا
+
+12
+00:01:30,500 --> 00:01:41,580
+على أهم صور ودرجات ومظاهرحق أو مظاهر التأليف حيث
+
+13
+00:01:41,580 --> 00:01:46,380
+قولنا إن التأليف لا يقتصر على يعني أمر لم يأتي به
+
+14
+00:01:46,380 --> 00:01:51,760
+أو لم يسبق إليه أحد من قبل لم يسبق المؤلف إليه أحد
+
+15
+00:01:51,760 --> 00:01:57,520
+من قبل بل يمكن أن يكون قد سبقه إليه ولكن ليس إليه
+
+16
+00:01:57,520 --> 00:02:05,160
+بالتمام والكمال والمطابقة والموافقة ولكن سبقه إليه
+
+17
+00:02:05,160 --> 00:02:13,780
+من حيث الأصلفشرحه الآخر فشرحه يعتبر مؤلفا يُنسب
+
+18
+00:02:13,780 --> 00:02:20,400
+إليه أو اختصره أو ترجمه أو علّق عليه وقلنا بأنه
+
+19
+00:02:20,400 --> 00:02:24,080
+حتى أنه ينضاف إلى حقوق التأليف أو إلى المؤلفات
+
+20
+00:02:24,080 --> 00:02:35,470
+الفنونفنون الرسمى وغيرها من الإبداعات والمدونات
+
+21
+00:02:35,470 --> 00:02:42,450
+التي تصدر عن هذا العالم او ذاك هذا المؤلف او ذاك
+
+22
+00:02:42,450 --> 00:02:51,270
+وقلنا بأن القوانين قد أقرت حق التأليف الأدبي
+
+23
+00:02:51,270 --> 00:03:00,030
+والمادى على حد سواءأما الشريعة فنستطيع أن نقول
+
+24
+00:03:00,030 --> 00:03:06,270
+أنها كذلك أقرت الحق الأدبي والحق المادي على حد
+
+25
+00:03:06,270 --> 00:03:12,110
+سواء وهذا ما يمكن معرفته وسط انبعاطه من خلال
+
+26
+00:03:12,110 --> 00:03:18,100
+التاريخ الإسلامي كلهومن خلال ما كان يأخذه العلماء
+
+27
+00:03:18,100 --> 00:03:23,260
+والمصنفون أو يحصل عليه دعنا نقول من رعاية وكفالة
+
+28
+00:03:23,260 --> 00:03:30,120
+من قبل العلماء، من قبل الخلفاء ومن قبل دولة
+
+29
+00:03:30,120 --> 00:03:38,550
+الإسلاملكن مع ذلك وجبنا في عصرنا هذا أن هناك خلاف
+
+30
+00:03:38,550 --> 00:03:46,430
+بين العلماء في مسألة أخذ البدل المالي ومن هنا كان
+
+31
+00:03:46,430 --> 00:03:52,850
+الاستغراب واجبنا عن ذلك بأن اختلاف هؤلاء العلماءفي
+
+32
+00:03:52,850 --> 00:03:57,350
+أخذ أو عدم أخذ في جواز أخذ البدل أو عدم جواز أخذ
+
+33
+00:03:57,350 --> 00:04:04,650
+البدل ناتج عن أن الأخذ اليوم أصبح أو أمكن أن يكون
+
+34
+00:04:04,650 --> 00:04:12,630
+سببا في كتمان العلمي وتضحيق درجته ومن هنا كان
+
+35
+00:04:12,630 --> 00:04:21,350
+الإختلاف هذا هو سبب الإختلاف ومع ذلكوجبنا جمهور
+
+36
+00:04:21,350 --> 00:04:28,430
+علماء المسلمين من الفقهاء المعاصرين يقولون بأنه
+
+37
+00:04:28,430 --> 00:04:33,670
+يجوز أخذ البدل المالي وهم في ذلك حقيقة يسيرون على
+
+38
+00:04:33,670 --> 00:04:38,030
+نهج الأولين على نهج السلف الصالح القدامى من
+
+39
+00:04:38,030 --> 00:04:46,930
+العلماء في مبدأ إجازة أخذ البدل المالي حتىمهما
+
+40
+00:04:46,930 --> 00:04:55,570
+كانت النتائج ومهما ترتب على ذلك من أشياء ربما تمس
+
+41
+00:04:55,570 --> 00:05:02,990
+الآخرين ما لم يكن قاصدا لإلحق بهذا الضرر أو مادام
+
+42
+00:05:02,990 --> 00:05:11,480
+هذا الإنسان مطالبا بحقه الذي شراعته لهالشريعة أو
+
+43
+00:05:11,480 --> 00:05:16,180
+الذي أقرته له الشريعة هو غاية ما في ال .. أنت أيها
+
+44
+00:05:16,180 --> 00:05:20,800
+الأخ الطالب عندما تتخرج وتاخد شهادتك ربما هذه
+
+45
+00:05:20,800 --> 00:05:25,560
+الشهادة وهي حق كامل لك باتبار ما قدمت على مدار
+
+46
+00:05:25,560 --> 00:05:30,420
+أربع سنوات ربما تلحق ضررا بالآخرين بشكل أو بآخر
+
+47
+00:05:30,420 --> 00:05:35,990
+ولكن هل يمنع ذلك الجامعة أن تعطيها لك؟لا تمنع ضررا
+
+48
+00:05:35,990 --> 00:05:40,470
+يعني تلحق ضرر من حيث انه ربما شهادتك هذه اللي
+
+49
+00:05:40,470 --> 00:05:48,190
+حصلتها يعني تتقلد فيها منصبا مكان شخص آخر فالحق
+
+50
+00:05:48,190 --> 00:05:53,430
+الدرر بشكل جاير مباشر بشخص آخر لكن مع ذلك يعني
+
+51
+00:05:53,430 --> 00:05:58,990
+فإنك هل يقول واحد أنك غير مستحق لهذه الشهادة لأنه
+
+52
+00:06:04,850 --> 00:06:11,390
+مثلة الضرر هذه لها معالجة خاصة ونظرات خاصة قائمة
+
+53
+00:06:11,390 --> 00:06:21,210
+على الموازنات العامةلكن كل نفس بما كسبت رهينا
+
+54
+00:06:21,210 --> 00:06:26,910
+فلذلك كان رأي الجمهور العلماء كما قلنا بأن لا بأسة
+
+55
+00:06:26,910 --> 00:06:31,810
+إلا في حالات خاصة ذكرناها منطلقها أن الضرورات تبيح
+
+56
+00:06:31,810 --> 00:06:39,510
+المحضورات منطلقها أن الأمور تقدر بقدرها نعم أو
+
+57
+00:06:39,510 --> 00:06:44,500
+المصلحة العامة وقد وضحنا ذلك يعني كثيراأما الرأي
+
+58
+00:06:44,500 --> 00:06:52,200
+الآخر فظل متمترسا حول يعني مسألة أنه لما كان هذا
+
+59
+00:06:52,200 --> 00:06:59,640
+العمل أي أخذ البدل المالي يسببه كتمانا أو شكلا من
+
+60
+00:06:59,640 --> 00:07:05,530
+أشكال الكتمان أو صورة من صور التضييقللعلم قالوا
+
+61
+00:07:05,530 --> 00:07:10,830
+إذا هو مباح إما محرم أو ممنوع من باب أن ما يؤدي
+
+62
+00:07:10,830 --> 00:07:15,470
+إلى الممنوع فيكون ممنوعا ما يؤدي إلى الحرام فيكون
+
+63
+00:07:15,470 --> 00:07:21,870
+حراما وهذه وسيلة من وسائل أو صورة أو عمل يؤدي إلى
+
+64
+00:07:21,870 --> 00:07:27,070
+كتمان العلمومعروف انك اتمنى لقلم لغوء او فيه ما
+
+65
+00:07:27,070 --> 00:07:31,530
+فيه من البشاعة
+
+66
+00:07:31,530 --> 00:07:40,960
+وحكمه التحريم بنص القرآن الكريمثم بعد ذلك يعني بعد
+
+67
+00:07:40,960 --> 00:07:46,940
+استعراضنا لأدلة هؤلاء وأولئك لاحظنا أن أدلة الفريق
+
+68
+00:07:46,940 --> 00:07:53,620
+الأول القائل بالجواز الجمهور أدلة كما يقولون لا
+
+69
+00:07:53,620 --> 00:07:58,540
+غبارة عليها أدلة قوية معتمدة على مبادئ الشريعة
+
+70
+00:07:58,540 --> 00:08:03,040
+معتمدة على العرف معتمدة على الواقع معتمدة على
+
+71
+00:08:03,040 --> 00:08:08,630
+المصبحكلها أدلة قوية ترائها الشريعة في أحكامها
+
+72
+00:08:08,630 --> 00:08:15,570
+وبالتالي فإن الحكم الذي توصل اليه يعني يبدو للناظر
+
+73
+00:08:15,570 --> 00:08:23,330
+ولمقارن بين الوجهتين أنه الراجح، أنه الراجح وأنه
+
+74
+00:08:23,330 --> 00:08:28,380
+الأقرب إلى الصواب بإذن الله سبحانه وتعالىأما أدلة
+
+75
+00:08:28,380 --> 00:08:35,520
+الآخرين التي تبدو في ظاهرها على الأقل يعني مبنية
+
+76
+00:08:35,520 --> 00:08:41,140
+على النص أو مردها النصوص الشرعية ونوع من المنطقية
+
+77
+00:08:41,140 --> 00:08:46,800
+إلا أنه أمكن للفريق الأول أو حتى لكل من نظر بدقة
+
+78
+00:08:46,800 --> 00:08:52,680
+ومقارنة أمكنه ولديه شيء من العلم أن يناقش هذه
+
+79
+00:08:52,680 --> 00:09:00,750
+الأدلة بموضوعية ويبينوا عدم صحة الاستدلال بها نحن
+
+80
+00:09:00,750 --> 00:09:06,550
+لا نرد الدليل كدليل ولكن انما نرد الاستدلال بهذا
+
+81
+00:09:06,550 --> 00:09:13,940
+الدليل في هذه المسألة او تلفيعني هم لما بيقولوا إن
+
+82
+00:09:13,940 --> 00:09:17,580
+الذين يكتمون ما أنزلنا من البيانات والهدى، هل يمكن
+
+83
+00:09:17,580 --> 00:09:22,300
+لأحد أن يرد هذه الآية؟ بالطبع لا، وإنما أن تسخر
+
+84
+00:09:22,300 --> 00:09:26,920
+هذه الآية، أن توجهها في غير موضعها، هذا الذي يكون
+
+85
+00:09:26,920 --> 00:09:32,550
+محل نقاشوإلا فإن الآية ثابتة والدليل ثابت، لكن هو
+
+86
+00:09:32,550 --> 00:09:36,870
+ليس بالضرورة أن يكون دالًا على ما قالوا عليه ربما
+
+87
+00:09:36,870 --> 00:09:43,450
+هناك من يحاولون بقصد أو بغير قصد أن يلوون أعناق
+
+88
+00:09:43,450 --> 00:09:49,900
+النصوص ويستدلون بها في غير موضوعهاهذا يجب أن ينتبه
+
+89
+00:09:49,900 --> 00:09:55,160
+إليه لكل آية روح، ولذلك كان، إن كنتم تذكرون، كان
+
+90
+00:09:55,160 --> 00:10:02,440
+من أحد الشروط التي يجب أن تتمثل في المجتهد أن يكون
+
+91
+00:10:02,440 --> 00:10:06,990
+عالمًا بمقاصد التشريعةبروح التشريع، مش بس حفظ
+
+92
+00:10:06,990 --> 00:10:12,230
+الآيات و الأدلة، بل المسألة لابد أن يكون لديه بعد
+
+93
+00:10:12,230 --> 00:10:19,470
+نظر و فهم لكليات الشريعة و مقاصدها و أسرارها و
+
+94
+00:10:19,470 --> 00:10:27,860
+دلالات نصوصهاوبدأنا بالفعل نناقش هذه الأدلة دليلا
+
+95
+00:10:27,860 --> 00:10:35,540
+دليلا ونرد عليها بدءا بدليل الآية إن الذين يختمون
+
+96
+00:10:35,540 --> 00:10:40,120
+هذه ما أنزلنا من البيانات والهدى إلى آخر الآيات
+
+97
+00:10:40,120 --> 00:10:48,780
+وقلنا بأن من أراد أن يستدل بهذه الآية ينبغي أن
+
+98
+00:10:48,780 --> 00:10:53,960
+ينظر إلىالنصوص الأخرى، ينبغي أن ينظر إلى النصوص
+
+99
+00:10:53,960 --> 00:11:01,040
+الأخرى عندها تتضح له الرؤية، أي أنت وانت تقرأ قول
+
+100
+00:11:01,040 --> 00:11:07,520
+الله إن الله إن الذين يكتمون ما أنزلنا من البيانات
+
+101
+00:11:07,520 --> 00:11:12,300
+والهدى، ينبغي أن لا تغمض عينك عن قوله تعالى يا
+
+102
+00:11:12,300 --> 00:11:17,560
+أيها الذين آمنوالا تأكلوا أموالكم بينكم بالباطل،
+
+103
+00:11:17,560 --> 00:11:25,640
+ذلك فإن من يمنعالمؤلف الذي بدل الجهد مضنيًا
+
+104
+00:11:25,640 --> 00:11:31,300
+وكبيرًا في أخذ يمنعه عن أخذ البدل المالي هو شيء أو
+
+105
+00:11:31,300 --> 00:11:36,060
+صورة أو نوع من أكل أموال الناس بالباطل، اعتداء على
+
+106
+00:11:36,060 --> 00:11:41,280
+الحقوق، فهو أكل أموال الناس بالباطل، فلا يجوز،
+
+107
+00:11:41,280 --> 00:11:46,220
+وعندها ينبغي أن يفسر قول الله عز وجل حتى لا يكون
+
+108
+00:11:46,220 --> 00:11:51,520
+ثم تتعارب ولا تناقب بين النصوص وبين قواعد الشريعة
+
+109
+00:11:51,520 --> 00:11:57,180
+أنأن يفسر قول الله إن الذين يكتمون ما أنزلنا من
+
+110
+00:11:57,180 --> 00:12:04,020
+البيانات والهدى يعني يكتمونه قصدا وبغير مبرر وبغير
+
+111
+00:12:04,020 --> 00:12:10,580
+مسوّغهو قاصد لكن عندما هو لم يقصد و الله كتمان
+
+112
+00:12:10,580 --> 00:12:16,260
+العلم ولم يقصد تضييق دائرته ولديه ما يسوّه
+
+113
+00:12:16,260 --> 00:12:21,400
+بالمطالبة بحقه كيف يسمى هذا كاتما للعلم؟ وكيف
+
+114
+00:12:21,400 --> 00:12:27,500
+يندرج تحت عموم هذه الآية التي تلعن كتك؟ نحن نقول
+
+115
+00:12:27,500 --> 00:12:33,490
+بأن كاتما للعلم ملعونولكن أن يكون كتمه قصدا وأن
+
+116
+00:12:33,490 --> 00:12:39,670
+يكون كتمه يعني ايه له .. ليس له ما يبرره، لكن هذا
+
+117
+00:12:39,670 --> 00:12:45,970
+ربما ترتب عليه نوع من الكتمان لغلاب قصدا ولديه ما
+
+118
+00:12:45,970 --> 00:12:52,950
+يسوق هذه المطالبة التي تكرر أو ترتب عليهاربما نوع
+
+119
+00:12:52,950 --> 00:12:57,450
+من أنواع الكتمان كان يمكن تداركه بقليل من التدخلي
+
+120
+00:12:57,450 --> 00:13:05,490
+من قبل الدولة دون أن يغمط هذا المؤلف حقه رأيت كيف
+
+121
+00:13:05,490 --> 00:13:09,490
+أن من قام بعملية الاحتكار
+
+122
+00:13:17,560 --> 00:13:23,480
+لكن من قام بعملية الاحتكار كيف يتم علاجة الأمر؟ هل
+
+123
+00:13:23,480 --> 00:13:30,520
+بكسر ظهره ومصادرة سلعته؟ او باجباره على بيعها
+
+124
+00:13:30,520 --> 00:13:36,520
+بالسعر المعتدل وبالسعر الدارج؟ اذا لا يُحضَم أحد
+
+125
+00:13:36,520 --> 00:13:44,420
+أنا باجبره وكذلك هذا المؤلف انا استطيع ان اجبره
+
+126
+00:13:44,420 --> 00:13:52,600
+علىنشر العلم على أن ينتفع الجميع بكتابه، لكن ليس
+
+127
+00:13:52,600 --> 00:13:59,880
+قبل أن أعطيه حقه، وهنا تتكامل الصورة و لا يدخل في
+
+128
+00:13:59,880 --> 00:14:08,120
+عموم هذا، إذا ليس بالضرورة أن يكون هذا الذي يطالب
+
+129
+00:14:08,120 --> 00:14:12,700
+بحقه من من يكتمون العلم، ولا يدخل في عموم هذه
+
+130
+00:14:12,700 --> 00:14:17,930
+الآيةمسألة القربة أيضًا قلنا إنه يعني اللي استدلوا
+
+131
+00:14:17,930 --> 00:14:21,650
+فيها أن هذا يعتبر قربة من القربات وطاعة من الطاعت
+
+132
+00:14:21,650 --> 00:14:25,990
+وبالتالي لا يجوزوا أخذ البدل المالي عنها قالوا لهم
+
+133
+00:14:25,990 --> 00:14:30,850
+يا جماعة ماشي القادة سلمنا نسلموا نحن معكم ونتفقوا
+
+134
+00:14:30,850 --> 00:14:35,810
+معكم بأن القربات والإبادات والطاعة لله رب العالمين
+
+135
+00:14:35,810 --> 00:14:40,850
+ليس فيها ليس عليها بدل ولا يُخَد عنها بدل لكن في
+
+136
+00:14:40,850 --> 00:14:47,800
+أحيانًاالظروف والأحوال تتغير و تتبدل وتقتضي تغيير
+
+137
+00:14:47,800 --> 00:14:54,260
+الحكم فإنه لا ينكرتغير الأحكام بتغير الزمان
+
+138
+00:14:54,260 --> 00:15:00,080
+والمكان والظروف والأعراف، لا انكر يا إخوان، خاصة
+
+139
+00:15:00,080 --> 00:15:06,360
+إذا تعلق الأمر، خاصة إذا تعلق الأمر يعني بشيء مهم،
+
+140
+00:15:06,360 --> 00:15:10,680
+بشعيرة من شعير الإسلام أو بعبادة من عبادة الإسلام،
+
+141
+00:15:10,680 --> 00:15:16,580
+يخشى عليها من أن يعني تذوب أو تنقرض أو لا يقبل
+
+142
+00:15:16,580 --> 00:15:23,210
+عليها أحدالأذان، الإمامة، تعليم القرآن، هذا لو في
+
+143
+00:15:23,210 --> 00:15:29,350
+عصرنا هذا، لو لم يُعطى المؤذنون، لو لم يُعطى
+
+144
+00:15:29,350 --> 00:15:34,290
+الأئمة، لو لم يُعطى معلمو القرآن الكريم أجراً على
+
+145
+00:15:34,290 --> 00:15:39,390
+تعليمهم مع الإقرار بأن كل هذا من روح العبادات، من
+
+146
+00:15:39,390 --> 00:15:43,130
+العبادات، من أساسيات العبادات والطاعة، من أعظم ما
+
+147
+00:15:43,130 --> 00:15:48,190
+يتقرب الإنسان إلى الله، ولا لا؟فهي من لغة الطاعات
+
+148
+00:15:48,190 --> 00:15:53,590
+والعبادات ومع ذلك فقد أقرى كثير من العلماء القدامى
+
+149
+00:15:53,590 --> 00:16:00,050
+والمعاصرين جواز أخذ بدل مالي عن تعليم القرآن، جواز
+
+150
+00:16:00,050 --> 00:16:04,970
+أخذ بدل مالي عن الإمامة، جواز أخذ بدل مالي عن
+
+151
+00:16:04,970 --> 00:16:12,820
+الخطابة، جواز أخذ بدل مالي عن رفع الأذانمع ما فيه
+
+152
+00:16:12,820 --> 00:16:16,300
+من قربة كبيرة عند الله و احنا سردنا المرة الماضية
+
+153
+00:16:16,300 --> 00:16:21,720
+عدد من الأحاديث التي تدلل على مقام هذه الصور من
+
+154
+00:16:21,720 --> 00:16:26,200
+الإبادات عند الله سبحانه وتعالى اطلب لكم مثلا فقط
+
+155
+00:16:26,200 --> 00:16:31,900
+في واقعنا كان في مرحلة من المراحل وزارة الأوقاف
+
+156
+00:16:31,900 --> 00:16:41,060
+توطي للخطاباء الذين يخطبون يعني بيسموها مقطوعة
+
+157
+00:16:41,880 --> 00:16:47,160
+يخطبون في المساجد لهم عمل آخر موظف مدرس طبيب فزا
+
+158
+00:16:47,160 --> 00:16:54,180
+لكنه لهم قدرة يجيدوا الخطابة فيتم الترتيب بينه
+
+159
+00:16:54,180 --> 00:16:59,140
+وبين الأوقات في أن يخطب كل جمعة مقابل خمسمائة شكل
+
+160
+00:16:59,140 --> 00:17:07,020
+شهريا بيسموها مقطوعة مش موظف رسمي خمسمائة شكل وهذه
+
+161
+00:17:07,020 --> 00:17:10,740
+حقيقة الخطوة
+
+162
+00:17:11,570 --> 00:17:21,010
+سببت تسبب عنه نور إقبال وتجويد للخطبة واهتمام بها
+
+163
+00:17:21,010 --> 00:17:26,630
+والتزام بمواعيدها أحيانا كثيرة ندخل المسجد لا خطب
+
+164
+00:17:28,070 --> 00:17:36,370
+أحيانا خطبة غير معدة، أدادا جيدا، لكن طبعا مثل
+
+165
+00:17:36,370 --> 00:17:42,210
+هؤلاء اللي عندهم قدرات وإمكانيات تحفيظهم على
+
+166
+00:17:42,210 --> 00:17:51,110
+الخطبة بمقابل بسيط أو مش بسيط، معقول؟ يعني رفع
+
+167
+00:17:51,110 --> 00:17:58,200
+من مستوى الخطبة وأفاد الناس عموماهذا جانب .. جانب
+
+168
+00:17:58,200 --> 00:18:03,980
+.. بعد ذلك جاءت يعني في مرحلة أخرى جاءت وزارة أخرى
+
+169
+00:18:03,980 --> 00:18:08,500
+بعد ذلك والوزارة يتغيرون ويتبدلون فأعترض على
+
+170
+00:18:08,500 --> 00:18:14,780
+المقطوع قال احنا هدولة موظفين و هدولة مثلا ايه
+
+171
+00:18:14,780 --> 00:18:19,860
+عايبين يقبضوا والله اللي بده ييجي يخطب without
+
+172
+00:18:19,860 --> 00:18:29,060
+يعني مجانا أهلا وسهلاواللي ما بده يخطب يعني برضه
+
+173
+00:18:29,060 --> 00:18:32,140
+حر،
+
+174
+00:18:32,140 --> 00:18:38,480
+اللي بده يخطب مجامن بنعطيه، يفضل يخطب، بده فلوس،
+
+175
+00:18:38,480 --> 00:18:44,370
+بلوش عننا خطبةاستنكفى يعني معظم هؤلاء استنكفوا،
+
+176
+00:18:44,370 --> 00:18:47,810
+ماعنديش أقول كلهم، يعني مظل هناك وناس هناك وناس
+
+177
+00:18:47,810 --> 00:18:52,910
+يعني فعلا عندهم يعني الكذا، لكن في ناس استنكفوا،
+
+178
+00:18:52,910 --> 00:18:57,250
+قالك انا يعني انا اصلا بتعلل الإنسان، سبحان الله،
+
+179
+00:18:57,250 --> 00:19:03,330
+انا اصلا وقتي ضيق، انا كده، انا مشغول، انا .. فممن
+
+180
+00:19:03,330 --> 00:19:09,470
+عكس سلبا بعد ذلك على مستوى الأداء في الخطاب إجمالا
+
+181
+00:19:11,430 --> 00:19:17,750
+طيب أنا أدفع الخمسمية شكل .. أه الشاهد .. و أفيد
+
+182
+00:19:17,750 --> 00:19:21,930
+الناس و أجعل هناك التزام من قبل الخطاباء بما
+
+183
+00:19:21,930 --> 00:19:26,230
+ينعكسه إيجابا على المجتمع ولا أقطع الخمسمية شكل
+
+184
+00:19:26,230 --> 00:19:31,250
+بحجج من هنا و هناك؟ بقولك يعني قد يكون لهم مبررات
+
+185
+00:19:31,250 --> 00:19:36,950
+و قد يكون لهم مجتد نظر على كل الأحوالوينزل المستوى
+
+186
+00:19:36,950 --> 00:19:40,750
+ويصير فيه إشكال ويصير فيه شكاوة ويصير فيه .. يعني
+
+187
+00:19:40,750 --> 00:19:46,190
+هذا .. فبصير فيه يا إخوة بمعنى آخر إنه يتغير الحكم
+
+188
+00:19:46,190 --> 00:19:50,550
+.. فديتغير الحكم، لا معناه من إنه عادت النظر مرة
+
+189
+00:19:50,550 --> 00:19:56,370
+بعد كرةعندما نشعروا بإيه؟ بأي خطر؟ عندما نشعروا
+
+190
+00:19:56,370 --> 00:20:02,870
+بأي تغير في المعطيات وفي الظروف تستدعي إعادة النظر
+
+191
+00:20:02,870 --> 00:20:08,630
+في مسألة من المسائل يا إخوة عمر ابن الخطاب رضي
+
+192
+00:20:08,630 --> 00:20:16,150
+الله عنهم أوقف سهم المؤلفة قلوبهم مع أنهم يشكلون
+
+193
+00:20:16,150 --> 00:20:23,530
+مصرفا من مصارف أهل الذكاء ثمانيةمن يأخذون الذكاء
+
+194
+00:20:23,530 --> 00:20:29,070
+ربنا سبحانه وتعالى هو الذي تكفّل ببيان أنواعهم
+
+195
+00:20:29,070 --> 00:20:33,570
+إنما الصداقاته للفقراء والمساكين والعاملين عليها
+
+196
+00:20:33,570 --> 00:20:38,190
+والمؤلفة قلوبهم وفي الرقاب المؤلفة قلوبهم هدول
+
+197
+00:20:38,190 --> 00:20:41,490
+اللي بدخلوا في الإسلام يعني جديد ولمّا يدخل
+
+198
+00:20:41,490 --> 00:20:45,950
+الإسلام في قلوبهم بعد لكن هم أصحاب مكانة في
+
+199
+00:20:45,950 --> 00:20:52,110
+مجتمعاتهم دخولهم في الإسلامقد يكون له مردود إيجابي
+
+200
+00:20:52,110 --> 00:20:59,290
+فالإسلام أقر أنه لهم عطاء عشان يعني إلى أن يروا
+
+201
+00:20:59,290 --> 00:21:04,290
+روعة الإسلام وإلى أن يروا أخلاق الإسلام وبهاء
+
+202
+00:21:04,290 --> 00:21:09,150
+الإسلام و فيدخل في قلوبهم وبعد ذلك يعني هم لحالهم
+
+203
+00:21:09,150 --> 00:21:14,060
+يعني مش هيطلبوا لأنه حيحسوا أن هذا مش ..الشهد أن
+
+204
+00:21:14,060 --> 00:21:16,660
+النبي صلى الله عليه وسلم يا إخوة كان يعطي هؤلاء
+
+205
+00:21:16,660 --> 00:21:21,760
+بناء على .. و أبو بكر كان يعطيهم رضي الله عنهم في
+
+206
+00:21:21,760 --> 00:21:26,400
+أواخر عهد أبي بكر جاءوا اليه ليطلبوا نصيبهم من
+
+207
+00:21:26,400 --> 00:21:32,360
+الذكاء سنويا أبو بكر أرسلهم لعمر باعتبار أن عمر
+
+208
+00:21:32,360 --> 00:21:41,180
+كان مثابت وزير لأبي بكر في حينها فعمر أوقف نصيبهم
+
+209
+00:21:41,180 --> 00:21:48,680
+قالهم خلاصماعادش هذا الأمر يعني يجوز أن يستمر
+
+210
+00:21:48,680 --> 00:21:53,220
+انتوا بتكون ضالكوا مؤلفة قلوبكوا ولا وقت ايش
+
+211
+00:21:53,220 --> 00:21:58,380
+التاليف سنة ولا سنتين ولا تلاتة طبعا عصرنا بكله،
+
+212
+00:21:58,380 --> 00:22:04,220
+هاي سنتين في عصر أبي بكر، إلى متى؟ وقفناها يا عمي،
+
+213
+00:22:04,220 --> 00:22:13,370
+قطعناها، يا إما، وانتوا حرين، وانتوا حرينقام و جال
+
+214
+00:22:13,370 --> 00:22:18,530
+و أوقف يا أخوة هذا نظر عميق هذا ليس بتعطيلا للنص
+
+215
+00:22:18,530 --> 00:22:24,990
+هذا ليس تعطيلا قد يقال بعض يعني بعض الظاهريين أو
+
+216
+00:22:24,990 --> 00:22:29,690
+بعض ما لا يفقهون من الناس ظنوا أن عمر يعني أوقف
+
+217
+00:22:29,690 --> 00:22:36,650
+نصا في كتاب الله و ليس كذلك بل هو فعل نصا او فهما
+
+218
+00:22:36,650 --> 00:22:43,250
+نصا فهما حقيقيا التأليف مؤقتالتأليف له هدف ومؤقت،
+
+219
+00:22:43,250 --> 00:22:50,450
+فإذا انتهى وقته وزالت علته، انتهى حكمه، الحكم يدور
+
+220
+00:22:50,450 --> 00:22:56,770
+مع العلة، وجودا وعدما، وجدت العلة وجدت الحكم،
+
+221
+00:22:56,770 --> 00:23:01,710
+ماوجدتش العلة، بنتهى الحكم، الآن انتفت العلة،
+
+222
+00:23:01,710 --> 00:23:07,220
+وانتفت السبب اللي من أجله، وجد التأليفبعد أن قوية
+
+223
+00:23:07,220 --> 00:23:12,220
+دولة الإسلام ولم تقض بحاجة إلى ناس يعني متذبذبين
+
+224
+00:23:12,220 --> 00:23:19,000
+ومترددين وإيمانهم مربوط بالمال لكن يا إخوة في نفس
+
+225
+00:23:19,000 --> 00:23:25,700
+الوقت أقول إنه من الممكن في أي زمان ليس معناه أن
+
+226
+00:23:25,700 --> 00:23:32,270
+عمر أوقفه أنه أوقفه البتة أو تأبيدالو إن ضعفت دولة
+
+227
+00:23:32,270 --> 00:23:36,390
+الإسلام، أو حتى مش ضعفت، حتى في حالة القوة، احتاجت
+
+228
+00:23:36,390 --> 00:23:40,830
+في بعض الحالات إلى بعض الناس أن تؤلفهم وتعطيهم
+
+229
+00:23:40,830 --> 00:23:46,670
+يعني على مدار سنة، سنتين، إلى أن كذا ترا منهم
+
+230
+00:23:46,670 --> 00:23:51,310
+الخير ويتحقق على أيديهم الخير، لبس أن يعادل، ليس
+
+231
+00:23:51,310 --> 00:23:56,930
+هذا تعطيلا للنص، وإنما هو تطبيقا، دقيقا، صحيحا
+
+232
+00:23:56,930 --> 00:24:03,290
+للنصمتى يرتبط بقلة ايه؟ يعني على كل الأحوال وهذا
+
+233
+00:24:03,290 --> 00:24:06,890
+.. من .. من هذا القبيل يعني مسألة القربة قد يُأخذ
+
+234
+00:24:06,890 --> 00:24:10,950
+عليها أجراً وقد .. قديماً لماذا لم يكن يأخذ ناس
+
+235
+00:24:10,950 --> 00:24:14,810
+قربة؟ أولاً المادة ماكنش طاغية الإيمان كان جاوي
+
+236
+00:24:14,810 --> 00:24:19,330
+عند الناس ماكنش في .. يعني الحياة بسيطة، أي حاجة
+
+237
+00:24:19,330 --> 00:24:23,330
+الواحد مافيش بده كناب ولا تلفزيون ولا بده مش عارف
+
+238
+00:24:23,330 --> 00:24:28,610
+إيش، مطلبات كثيرة، الحياة بسيطة، فيمكن أن يتفرج
+
+239
+00:24:29,020 --> 00:24:32,680
+التقرب إلى الله دون أن يتقابل أجرا ويمكن إلى جانب
+
+240
+00:24:32,680 --> 00:24:38,100
+ذلك أن يعمل أعمال يعني تعود عليه بالارتزاق بما
+
+241
+00:24:38,100 --> 00:24:43,480
+يكفي حياته الأساسية مافي .. لم يكن داعي و لذلك كان
+
+242
+00:24:43,480 --> 00:24:47,780
+في .. ماعدش كان بطالب بشيء منها لكن اليوم الحياة
+
+243
+00:24:47,780 --> 00:24:55,660
+تغيرتمعطيات تغيرت وصار في خوف على هذه الشعائر على
+
+244
+00:24:55,660 --> 00:25:00,820
+هذه الإبادات ففي كان صار اكثر من نعم يا أخ كنت
+
+245
+00:25:00,820 --> 00:25:05,700
+بتقول ان الدكتور لو كان في مصر فقيرلو كان في مسلم
+
+246
+00:25:05,700 --> 00:25:09,600
+فقير، لو في واحد أسلم جديد، كان مسيحي وأسلم جديد
+
+247
+00:25:09,600 --> 00:25:15,040
+مثلا، فبسبب أنه أسلم .. بسبب أنه أسلم فقد شغله
+
+248
+00:25:15,040 --> 00:25:19,400
+المسيح هذا، مافيش مويقله، مين .. مين أجدر بالصدقة؟
+
+249
+00:25:19,400 --> 00:25:22,620
+هل المسلم اللي كان فقير من الأساس ولا المسيح اللي
+
+250
+00:25:22,620 --> 00:25:27,100
+أسلم جديد؟ هو الآن .. انسى أنه كان مسيحي، هو الآن
+
+251
+00:25:27,100 --> 00:25:33,940
+صار مسلمافيسوى بينه وبين غيره، ثانيا هو صار فقيرا،
+
+252
+00:25:33,940 --> 00:25:41,980
+ثالثا هو صار مستحق بإعتبار أنه فقد مرتبة مثلا أو
+
+253
+00:25:41,980 --> 00:25:48,050
+لم يعد قادرا على يعني رعاية أمور حياتهصار مستحقا
+
+254
+00:25:48,050 --> 00:25:52,710
+للزكاة شأنه وشأن غيره، فليس في العمر مشكلة،
+
+255
+00:25:52,710 --> 00:25:56,990
+والزكاة مش هتكون يعني بس ع جد واحد ولا اتنين،
+
+256
+00:25:56,990 --> 00:26:00,830
+الزكاة توزع على عامة الفقراء والمساكين والمحتاجين،
+
+257
+00:26:00,830 --> 00:26:05,730
+نعم، يا أخوة، زكاة أموال الناس، المسلمين، لو أخذت
+
+258
+00:26:05,730 --> 00:26:12,370
+ودفعت، أو لو دفعت بحق، لكفت وغطتكل الفقراء ولم نرى
+
+259
+00:26:12,370 --> 00:26:16,170
+فقراء في .. في كل عام لو كان الناس بيدفعوا اتنين و
+
+260
+00:26:16,170 --> 00:26:20,450
+نص في المية لا بدنا سبعتاش في المية مكوس ولا ضريبة
+
+261
+00:26:20,450 --> 00:26:25,450
+ولا إضافية ولا مش عارفش اتنين و نص في المية ذكاء
+
+262
+00:26:25,450 --> 00:26:31,720
+بحقيدفعها أغنياء المسلمين من أموالهم تكفي لتغطية
+
+263
+00:26:31,720 --> 00:26:36,200
+حاجة جميع الفقراء والمحتاجين في الأوضاع الطبيعية
+
+264
+00:26:36,200 --> 00:26:40,180
+إلا في حالة الكوارث والحروب كذا ربما نحتاج إلى
+
+265
+00:26:40,180 --> 00:26:46,810
+المزيد غير لكن في الحالة الطبيعية يعني يكفيإذن
+
+266
+00:26:46,810 --> 00:26:52,110
+مسألة القربة أيضًا لا إشكالة فيها، مسألة ال .. ال
+
+267
+00:26:52,110 --> 00:26:58,370
+.. ال .. البيع قالوا أو قبل البيع قالوا قياسًا على
+
+268
+00:26:58,370 --> 00:27:06,250
+إيه؟ على الشفعة، مش المعارضين، جالوا من ضمن
+
+269
+00:27:06,250 --> 00:27:09,990
+الاستدلالات تبعتهم على عدم جواز أخذ البدل المالي
+
+270
+00:27:09,990 --> 00:27:13,890
+قياسًا على حق الشفعة، مش هتحكيناها المرة اللي فاتت
+
+271
+00:27:13,890 --> 00:27:20,620
+ولا لا؟ب .. ب .. ب .. ب .. و بالقاس المشترك اللي
+
+272
+00:27:20,620 --> 00:27:25,120
+هو ايه؟ كونه حق معنوي .. حق معنوي .. حق معنوي ..
+
+273
+00:27:25,120 --> 00:27:28,860
+حق المعنوي تبقى الشفعة لا يجوز باتفاق أخذ بدل مالي
+
+274
+00:27:28,860 --> 00:27:36,220
+عنه إذا زي نظرية و برهان إذا الحق التأليف لا يجوز
+
+275
+00:27:36,220 --> 00:27:42,820
+لكن برضه هذا يعني مردود الاستدلال بكلمة واحدة
+
+276
+00:27:42,820 --> 00:27:51,050
+القياس مع الفارقبتجيس صورة لم يرد فيها حكم تتعرف
+
+277
+00:27:51,050 --> 00:27:54,430
+على حكم على صورة ورد فيها حكم او ظاهر فيها الحكم
+
+278
+00:27:54,430 --> 00:28:02,310
+بد يكون في تطابق كامل عشان انت يعني يستقيم الحكم
+
+279
+00:28:02,310 --> 00:28:07,210
+اللي لم يكن تطابقا مش بضرورة بس يعني في جانب واحد
+
+280
+00:28:07,210 --> 00:28:12,790
+التطابق لأ في كل الجوانب الشفعة وحق التأليف حقين
+
+281
+00:28:12,790 --> 00:28:18,120
+من حقوق المعنوية صحيححقين الحقوق المعنوية لكن يا
+
+282
+00:28:18,120 --> 00:28:24,980
+اخوة بيختلفوا عن بعضهم اختلافات كثيرة حق الشفعة
+
+283
+00:28:24,980 --> 00:28:31,660
+ليس حقا ناتجا عن جهدك العقلي ولا جهدك الفكري ولا
+
+284
+00:28:31,660 --> 00:28:37,080
+لا حق الشفعة أثبتته الشريعة لك للجار أو للشريك
+
+285
+00:28:37,080 --> 00:28:45,760
+دفعا للضرربينما حق التأليف يعني حق صادر يعني حق
+
+286
+00:28:45,760 --> 00:28:51,460
+ثبت لك باعتباره صادر عن جهد او نتائج جهد منك
+
+287
+00:28:51,460 --> 00:28:59,100
+باركته و .. و .. يعني وبالتالي فهو حق ابتدائي و
+
+288
+00:28:59,100 --> 00:29:04,640
+ليس عرضي مش دافع للضرر لأ ضرر مش ضرر حتى احنا جونا
+
+289
+00:29:04,640 --> 00:29:10,400
+لو ترتب على درجة ضرر يثبت هذا الحق ضرر هذا حقيعني
+
+290
+00:29:10,400 --> 00:29:18,800
+تستحقه مقابل ما بذلته من جهد فهو حق ثابت ابتدائي و
+
+291
+00:29:18,800 --> 00:29:25,370
+ليس عرضي لسبب آخربذواله يزول ومن هنا اختلفت الصورة
+
+292
+00:29:25,370 --> 00:29:30,810
+ومن هنا القياس اختلف يعني هناك لما انزلت ضرر لم
+
+293
+00:29:30,810 --> 00:29:35,410
+يعود في حق الشفعة لم يعود لك بالفعل حق ونحن مع ذلك
+
+294
+00:29:35,410 --> 00:29:40,250
+في أخذ البدل لكن هنا هذا حق مش ليه متعلق بضرر ولا
+
+295
+00:29:40,250 --> 00:29:45,590
+بغيره وانما متعلق بجهد انت بدلته فتستحق عليه الأجر
+
+296
+00:29:45,590 --> 00:29:48,050
+فالأمر مختلف هنا
+
+297
+00:29:50,930 --> 00:29:57,070
+الدليل الرابع الذي استدلوا فيه او بيه وهو ايه؟
+
+298
+00:29:57,070 --> 00:30:01,450
+مسألة ان اللي بيبيع .. قالوا ايش المعارضين؟ قالوا
+
+299
+00:30:01,450 --> 00:30:09,110
+أليس من باع شيئا تملكه؟ومن تملك شيئا حق له التصرف
+
+300
+00:30:09,110 --> 00:30:14,730
+فيه كيف ما شاء صحيح جالوا انتوا وفق الصورة اللي
+
+301
+00:30:14,730 --> 00:30:17,970
+بتحكوها انتوا بناء على جواز أخذ البدل المالي
+
+302
+00:30:17,970 --> 00:30:23,030
+الواحد المؤلف بيبيع الكتاب وبعدين بعد ما يبيعه
+
+303
+00:30:23,030 --> 00:30:33,590
+بيلاحق المشتري ويقيده تملكه كيف يقيد تملكه من حيث
+
+304
+00:30:33,590 --> 00:30:41,780
+منعه منمن طبعته ونشره وهل هذا يستقيم؟ هذا لا
+
+305
+00:30:41,780 --> 00:30:45,960
+يستقيم كأن بهم .. كأن بهم يردون أن يقولوا .. يعني
+
+306
+00:30:45,960 --> 00:30:53,210
+إذا قلتم يعني .. يعني أنه ..البيع جائز لكن اي بيع
+
+307
+00:30:53,210 --> 00:31:00,910
+هذا الذي يبيعه ثم يلاحق المشتري ويقيده الاصل في
+
+308
+00:31:00,910 --> 00:31:08,990
+البيع انه تملك و تأبيد و حرية مطلقة في التصرف ولا
+
+309
+00:31:08,990 --> 00:31:14,270
+يحدث هذا في ما تفعلون اذا من أصله كأنهم بدهم
+
+310
+00:31:14,270 --> 00:31:21,890
+يقولوا من أصله البيع مش جائز في هذه الحالةفرد
+
+311
+00:31:21,890 --> 00:31:28,890
+عليهم بأن التقييد
+
+312
+00:31:28,890 --> 00:31:39,850
+هذا ليس معناه بطلان البيع، ذلك أن هناك فرق بين
+
+313
+00:31:39,850 --> 00:31:48,910
+تملك الشيء وإنتاج مثلهبين تملك الشيء وإنتاج مثله
+
+314
+00:31:48,910 --> 00:31:53,870
+بالفعل تملك الشيء يعطي الإنسان الحق في التصرف فيه
+
+315
+00:31:53,870 --> 00:31:58,870
+ونحن لا نمنع من أن يتصرف مشتري الكتاب كيف يشاء
+
+316
+00:31:58,870 --> 00:32:08,410
+لمنع يبيعه لآخر لصاحبه يقرأ فيه ان شاء الله مزه
+
+317
+00:32:08,410 --> 00:32:15,630
+ورد ويحط فيه فلفل زي ما بيحصل أحيانا حر حر حر فيه
+
+318
+00:32:15,760 --> 00:32:24,320
+لكن ان ان ينتج مثله بنقوله لأ لأنه انت ما شريت
+
+319
+00:32:24,320 --> 00:32:32,280
+الفكرة انت شريت الكتاب الجلد و الورق و كأنك اشتريت
+
+320
+00:32:32,280 --> 00:32:36,400
+الانتفاع فاكرين يا اخوة اول ما شبحنا الكتاب او
+
+321
+00:32:36,400 --> 00:32:43,510
+المؤلف شبحناه بالمنافع اللي بتأجر بيتو بعد .. و
+
+322
+00:32:43,510 --> 00:32:46,490
+بعد .. ان شاء الله بعد عشرين سنة دفع حجه كامل عشر
+
+323
+00:32:46,490 --> 00:32:50,650
+.. في ناس طول المدة مابتجه دفع أكتر من حج البيت
+
+324
+00:32:50,650 --> 00:32:57,030
+أجابي بقدر يقول البيت إيه اللي صار؟ لأ لإن هو
+
+325
+00:32:57,030 --> 00:33:02,350
+اشتراه منفعة أو تأجره منفعة انت هنا يعني اشتريت
+
+326
+00:33:02,350 --> 00:33:04,790
+يعني أوراق
+
+327
+00:33:06,730 --> 00:33:10,790
+وكلام وانتفعت به يعني فيه جانب منفعة او جانب
+
+328
+00:33:10,790 --> 00:33:17,290
+الأوراق هذه البوتقة تعتبر لاحتضان المنفعة او
+
+329
+00:33:17,290 --> 00:33:22,470
+الفكرة هر فيها اتصرف فيها اما الفكرة او ذات الفكرة
+
+330
+00:33:22,470 --> 00:33:28,180
+مش إلكولم تشتريها بعشرين شكل ولا يُعقل هذا، فلذلك
+
+331
+00:33:28,180 --> 00:33:33,740
+ممنوع تتصرف فيها، فالأمر مختلف إذن، ما تجيسليش
+
+332
+00:33:33,740 --> 00:33:37,840
+هادي على هادي، و بالظبط قولنا يوم، هتقول اللي فات،
+
+333
+00:33:37,840 --> 00:33:43,460
+قولنا كيف؟ إنه زي الفلوسزي اي ابتكار يعني وشوفنا
+
+334
+00:33:43,460 --> 00:33:48,940
+احنا الشركات بترفع على بعضها قضايا لما بتحس ان
+
+335
+00:33:48,940 --> 00:33:54,300
+شركة يعني اخدت الفكرة الفكرة او جزء من الفكرة يعني
+
+336
+00:33:54,300 --> 00:34:03,270
+منها خامساقالوا يعني أضافوا إلى كل ذلك ردًا كرد
+
+337
+00:34:03,270 --> 00:34:07,690
+إجمالي كرد إجمالي قالوا يعني وكان بهم يا إخوة
+
+338
+00:34:07,690 --> 00:34:12,030
+يريدون أن يقولوا في النهاية يا جماعة اسمعوا ماشي
+
+339
+00:34:12,030 --> 00:34:20,810
+الحال سلمنا لكم جواز البيأة لكن هو اللي بده يبيع
+
+340
+00:34:20,810 --> 00:34:25,770
+بده يبيع كم من مرة الشغلة تنبيع كم من مرة مرة
+
+341
+00:34:25,770 --> 00:34:32,190
+واحدة بعد احدث تملكفإذا باعها في المرة الأولى
+
+342
+00:34:32,190 --> 00:34:39,050
+فقالوا خلاص فيكفيه هذا فلا يحق له أن يبيعها مرة
+
+343
+00:34:39,050 --> 00:34:45,090
+أخرى ويصبح من حق كل من اشترى كتابا بعد ذلك أن
+
+344
+00:34:45,090 --> 00:34:50,900
+يتصرف فيه وأن يطبعه يعني كما يشاء، هكذا قالواخاصة
+
+345
+00:34:50,900 --> 00:34:56,740
+أن هذا الفعل قد لا يعود عليه بالخسارة وإنما ذلك
+
+346
+00:34:56,740 --> 00:35:00,800
+لأنه بطبعته الأولى وفي باقي الكتاب أول مرة في
+
+347
+00:35:00,800 --> 00:35:07,060
+الطبعة الأولى قد مال حقه وهنا
+
+348
+00:35:07,060 --> 00:35:12,800
+أيضا يرد على هذا الكلام قريبا من ما يرد عليه في
+
+349
+00:35:12,800 --> 00:35:23,070
+الصورة أو في الدليل الذي قبلهذلك ان اولا
+
+350
+00:35:23,070 --> 00:35:29,830
+هناك فيه فرق بين الفكرة و الكتاب وبالتالي ليس من
+
+351
+00:35:29,830 --> 00:35:35,830
+حق من اشتر الكتاب ان يبيعه وإن كان هناك منفعة هو
+
+352
+00:35:35,830 --> 00:35:46,170
+حق بها ثم انه حتى وإن افترضنا انأنه ببيعه الكتاب
+
+353
+00:35:46,170 --> 00:35:53,590
+في المرة الأولى قد حصل مقابلة جوده فإنه لا يمنع يا
+
+354
+00:35:53,590 --> 00:36:01,810
+إخوة إذا كان ثمة إمكانية للانتفاع مرة أخرىلا يمنع
+
+355
+00:36:01,810 --> 00:36:08,410
+أن يعني يستفيد من هذه الفكرة أو من هذا المؤلف مرة
+
+356
+00:36:08,410 --> 00:36:14,130
+أخرى ذلك أن هذه الفكرة فكرة خاصة له ومن أحقه
+
+357
+00:36:14,130 --> 00:36:19,510
+بالاستفادة إذا كانت الاستفادة متجددة يعني من أحق
+
+358
+00:36:20,180 --> 00:36:25,140
+بمن بهذه الفائدة اللي بيزرع شجرة واحد يقوله انت
+
+359
+00:36:25,140 --> 00:36:29,580
+هذه السنة ايه بتاخد ثمارتها بعد هيك خلاص بيكفيك
+
+360
+00:36:29,580 --> 00:36:34,100
+انت ايش اللي تسويته انت زراعة البدرة احنا بعد هيك
+
+361
+00:36:34,100 --> 00:36:39,600
+لنا لناس تانين بدنا نعطيه للي اجا بس ايش للي اجا
+
+362
+00:36:39,600 --> 00:36:48,530
+سجاها ولا للي اجا رش عليها شوية كيماوي بينفع؟ لأفي
+
+363
+00:36:48,530 --> 00:36:52,870
+صاحب الشئ الأول و الحقيقي هو اللي أحط به تقول لي
+
+364
+00:36:52,870 --> 00:36:57,930
+طب إيش هيخسرك؟ الله إيش هيخسرني؟ طب ما هي مش
+
+365
+00:36:57,930 --> 00:37:00,110
+هيخسرني لكن هيضرني
+
+366
+00:37:18,830 --> 00:37:23,030
+يعني في الوضع الطبيعي انه انا ممكن ابيعه اربح في
+
+367
+00:37:23,030 --> 00:37:27,470
+عشرة شكل، لكن لو غليت ال .. ال .. الأسعار و جاب
+
+368
+00:37:27,470 --> 00:37:32,570
+ميت شكل، واحد يقولي والله انت هيك ربحت كتير، لأ،
+
+369
+00:37:32,570 --> 00:37:37,490
+من حق و لذلك في الاسلام حتى ليس هناك سقف للربحما
+
+370
+00:37:37,490 --> 00:37:41,550
+لم يكن استغلالا إذا انت بتبيع الشيء بحقه يعني
+
+371
+00:37:41,550 --> 00:37:47,590
+طبيعة الظرف العرض و الطلب و الإنتاج و المنتجات هي
+
+372
+00:37:47,590 --> 00:37:53,150
+اللي رفعت الأسعار مش احتكرت انا ولا استغلت طبيعي
+
+373
+00:37:53,150 --> 00:37:57,670
+الأمور انا شريت أرض قبل مثلا عشر سنين بعشرة ألف
+
+374
+00:37:57,670 --> 00:38:01,350
+دنار اليوم حاجة مائة ألف دنار حد بيجي يقول بيبيع
+
+375
+00:38:01,350 --> 00:38:07,770
+بعشرين يا عم مكفي الضعف ولا بتلاتينليش؟ ولا هذا لا
+
+376
+00:38:07,770 --> 00:38:12,230
+يسبب لك خسارة؟ لا يسبب لي خسارة صحيح لكنه يسبب لي
+
+377
+00:38:12,230 --> 00:38:17,050
+ضررا يعني بشكل او باخر لأن انا لو قرت ان ابيع او
+
+378
+00:38:17,050 --> 00:38:22,010
+اشتري قطعة اخرى لا استطيع انا بخسر بشكل يعني على
+
+379
+00:38:22,010 --> 00:38:28,390
+كل الأحوال كل هذه المناقشات يعنياستطاع يعني توصلنا
+
+380
+00:38:28,390 --> 00:38:36,210
+او نتوصل من خلالها على ان القول الراجح هو ايه؟ هو
+
+381
+00:38:36,210 --> 00:38:42,370
+القول الأول وأيد كل هذا مجلس مجمع الفقه الإسلامي
+
+382
+00:38:42,370 --> 00:38:51,830
+الذي يعني أجازةفي كلامه او في نصوصه اخذ حقوق
+
+383
+00:38:51,830 --> 00:38:57,430
+الابتكار والتأليف من ضمنها عندما قال حقوق التأليف
+
+384
+00:38:57,430 --> 00:39:03,250
+اول واحدة حقوق التأليف والاختراع والابتكار مصونة
+
+385
+00:39:03,250 --> 00:39:08,790
+شوف كلمة مصونة ممنوع حد يمسها يعني مصونة مصونة
+
+386
+00:39:08,790 --> 00:39:17,580
+شرعا لاصحابهاو يحق لهم التصرف فيها ولا يجوز
+
+387
+00:39:17,580 --> 00:39:26,520
+الاعتداء عليها كنا نريد أن نتحدث عن براية الاختراع
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..ea2f15fd14a6250a87356a1679de1b7073f7843d
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0_raw.json
@@ -0,0 +1 @@
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"end": 2331.83, "word": " حقوق", "probability": 0.9930013020833334}, {"start": 2331.83, "end": 2332.89, "word": " الابتكار", "probability": 0.90498046875}, {"start": 2332.89, "end": 2334.57, "word": " والتأليف", "probability": 0.89169921875}, {"start": 2334.57, "end": 2334.75, "word": " من", "probability": 0.9560546875}, {"start": 2334.75, "end": 2335.13, "word": " ضمنها", "probability": 0.98291015625}, {"start": 2335.13, "end": 2335.49, "word": " عندما", "probability": 0.881103515625}, {"start": 2335.49, "end": 2335.91, "word": " قال", "probability": 0.9599609375}, {"start": 2335.91, "end": 2336.63, "word": " حقوق", "probability": 0.9855143229166666}, {"start": 2336.63, "end": 2337.43, "word": " التأليف", "probability": 0.9951171875}, {"start": 2337.43, "end": 2337.95, "word": " اول", "probability": 0.8271484375}, {"start": 2337.95, "end": 2338.47, "word": " واحدة", "probability": 0.9410807291666666}, {"start": 2338.47, "end": 2339.11, "word": " حقوق", "probability": 0.96923828125}, {"start": 2339.11, "end": 2339.77, "word": " التأليف", "probability": 0.9774169921875}, {"start": 2339.77, "end": 2340.67, "word": " والاختراع", "probability": 0.8783203125}, {"start": 2340.67, "end": 2341.57, "word": " والابتكار", "probability": 0.95517578125}, {"start": 2341.57, "end": 2343.25, "word": " مصونة", "probability": 0.8560791015625}, {"start": 2343.25, "end": 2343.79, "word": " شوف", "probability": 0.6876220703125}, {"start": 2343.79, "end": 2344.15, "word": " كلمة", "probability": 0.9334309895833334}, {"start": 2344.15, "end": 2344.75, "word": " مصونة", "probability": 0.93701171875}, {"start": 2344.75, "end": 2345.37, "word": " ممنوع", "probability": 0.8063151041666666}, {"start": 2345.37, "end": 2345.63, "word": " حد", "probability": 0.95751953125}, {"start": 2345.63, "end": 2346.23, "word": " يمسها", "probability": 0.9716796875}, {"start": 2346.23, "end": 2346.59, "word": " يعني", "probability": 0.840576171875}, {"start": 2346.59, "end": 2347.87, "word": " مصونة", "probability": 0.9207763671875}, {"start": 2347.87, "end": 2348.79, "word": " مصونة", "probability": 0.81787109375}, {"start": 2348.79, "end": 2349.59, "word": " شرعا", "probability": 0.939208984375}, {"start": 2349.59, "end": 2350.69, "word": " لاصحابها", "probability": 0.92021484375}], "temperature": 1.0}, {"id": 100, "seek": 236652, "start": 2352.16, "end": 2366.52, "text": "و يحق لهم التصرف فيها ولا يجوز الاعتداء عليها كنا نريد أن نتحدث عن براية الاختراع", "tokens": [2407, 7251, 5016, 4587, 5296, 16095, 16712, 9381, 28480, 8978, 11296, 49429, 7251, 7435, 2407, 11622, 42963, 34268, 3215, 16606, 25894, 11296, 9122, 8315, 8717, 16572, 3215, 14739, 8717, 2655, 24401, 12984, 18871, 4724, 23557, 10632, 2423, 47283, 2655, 23557, 3615], "avg_logprob": -0.10518973001411983, "compression_ratio": 1.3867924528301887, "no_speech_prob": 1.1920928955078125e-07, "words": [{"start": 2352.16, "end": 2353.56, "word": "و", "probability": 0.76806640625}, {"start": 2353.56, "end": 2354.12, "word": " يحق", "probability": 0.8134765625}, {"start": 2354.12, "end": 2354.54, "word": " لهم", "probability": 0.93212890625}, {"start": 2354.54, "end": 2355.24, "word": " التصرف", "probability": 0.9866536458333334}, {"start": 2355.24, "end": 2355.84, "word": " فيها", "probability": 0.991455078125}, {"start": 2355.84, "end": 2356.66, "word": " ولا", "probability": 0.45849609375}, {"start": 2356.66, "end": 2357.58, "word": " يجوز", "probability": 0.992431640625}, {"start": 2357.58, "end": 2358.66, "word": " الاعتداء", "probability": 0.953857421875}, {"start": 2358.66, "end": 2359.66, "word": " عليها", "probability": 0.997314453125}, {"start": 2359.66, "end": 2362.4, "word": " كنا", "probability": 0.7783203125}, {"start": 2362.4, "end": 2363.54, "word": " نريد", "probability": 0.9833984375}, {"start": 2363.54, "end": 2363.64, "word": " أن", "probability": 0.595703125}, {"start": 2363.64, "end": 2364.24, "word": " نتحدث", "probability": 0.9910888671875}, {"start": 2364.24, "end": 2364.76, "word": " عن", "probability": 0.98583984375}, {"start": 2364.76, "end": 2365.74, "word": " براية", "probability": 0.97607421875}, {"start": 2365.74, "end": 2366.52, "word": " الاختراع", "probability": 0.8677734375}], "temperature": 1.0}], "language": "ar", "language_probability": 1.0, "duration": 2367.437, "duration_after_vad": 2283.22562499999}
\ No newline at end of file
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0_raw.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0_raw.srt
new file mode 100644
index 0000000000000000000000000000000000000000..763113512e2a24efc95ae9ec3ef9b79b6fe19890
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zXa7HPwgOB0_raw.srt
@@ -0,0 +1,1548 @@
+1
+00:00:20,690 --> 00:00:26,350
+الصلاة والسلام على رسول الله وعلى
+
+2
+00:00:26,350 --> 00:00:32,250
+آله وصحبه ومن اهتدأ بهديه واستنى بصناته إلى يوم
+
+3
+00:00:32,250 --> 00:00:38,410
+الدين اللهم اننا نسألك الهدى والتقى والعفاف والغنى
+
+4
+00:00:38,410 --> 00:00:46,370
+وان تعلمنا ماينفعنا وان تنفعنا بما علمتناوبعد لا
+
+5
+00:00:46,370 --> 00:00:53,350
+يزال الحديث متواصلا حول الحقوق أو بعض صور الحقوق
+
+6
+00:00:53,350 --> 00:00:59,890
+المعنوية بنتعرف عليها ونتعرف على موقف الشريعة
+
+7
+00:00:59,890 --> 00:01:07,630
+الإسلامية من أخذ البدل المالي عنها وكنا في أكثر من
+
+8
+00:01:07,630 --> 00:01:12,750
+محاضرتين ربما سابقتين قد تحدثنا عن حق التاليف
+
+9
+00:01:13,240 --> 00:01:18,100
+الصورة الأولى من صور الحقوق من صور حقوق الإبتكار
+
+10
+00:01:18,100 --> 00:01:22,460
+أو الحقوق المعنوية فتعرفنا
+
+11
+00:01:22,460 --> 00:01:30,500
+عليه من حيث معناه لغة واصطلاحا وتعرفنا
+
+12
+00:01:30,500 --> 00:01:41,580
+على أهم صور ودرجات ومظاهرحق أو مظاهر التأليف حيث
+
+13
+00:01:41,580 --> 00:01:46,380
+قولنا إن التأليف لا يقتصر على يعني أمر لم يأتي به
+
+14
+00:01:46,380 --> 00:01:51,760
+أو لم يسبق إليه أحد من قبل لم يسبق المؤلف إليه أحد
+
+15
+00:01:51,760 --> 00:01:57,520
+من قبل بل يمكن أن يكون قد سبقه إليه ولكن ليس إليه
+
+16
+00:01:57,520 --> 00:02:05,160
+بالتمام والكمال والمطابقة والموافقة ولكن سبقه إليه
+
+17
+00:02:05,160 --> 00:02:13,780
+من حيث الأصلفشرحه الآخر فشرحه يعتبر مؤلفا يُنسب
+
+18
+00:02:13,780 --> 00:02:20,400
+إليه أو اختصره أو ترجمه أو علّق عليه وقلنا بأنه
+
+19
+00:02:20,400 --> 00:02:24,080
+حتى أنه ينضاف إلى حقوق التأليف أو إلى المؤلفات
+
+20
+00:02:24,080 --> 00:02:35,470
+الفنونفنون الرسمى وغيرها من الإبداعات والمدونات
+
+21
+00:02:35,470 --> 00:02:42,450
+التي تصدر عن هذا العالم او ذاك هذا المؤلف او ذاك
+
+22
+00:02:42,450 --> 00:02:51,270
+وقلنا بأن القوانين قد أقرت حق التأليف الأدبي
+
+23
+00:02:51,270 --> 00:03:00,030
+والمادى على حد سواءأما الشريعة فنستطيع أن نقول
+
+24
+00:03:00,030 --> 00:03:06,270
+أنها كذلك أقرت الحق الأدبي والحق المادي على حد
+
+25
+00:03:06,270 --> 00:03:12,110
+سواء وهذا ما يمكن معرفته وسط انبعاطه من خلال
+
+26
+00:03:12,110 --> 00:03:18,100
+التاريخ الإسلامي كلهومن خلال ما كان يأخذه العلماء
+
+27
+00:03:18,100 --> 00:03:23,260
+والمصنفون أو يحصل عليه دعنا نقول من رعاية وكفالة
+
+28
+00:03:23,260 --> 00:03:30,120
+من قبل العلماء، من قبل الخلفاء ومن قبل دولة
+
+29
+00:03:30,120 --> 00:03:38,550
+الإسلاملكن مع ذلك وجبنا في عصرنا هذا أن هناك خلاف
+
+30
+00:03:38,550 --> 00:03:46,430
+بين العلماء في مسألة أخذ البدل المالي ومن هنا كان
+
+31
+00:03:46,430 --> 00:03:52,850
+الاستغراب واجبنا عن ذلك بأن اختلاف هؤلاء العلماءفي
+
+32
+00:03:52,850 --> 00:03:57,350
+أخذ أو عدم أخذ في جواز أخذ البدل أو عدم جواز أخذ
+
+33
+00:03:57,350 --> 00:04:04,650
+البدل ناتج عن أن الأخذ اليوم أصبح أو أمكن أن يكون
+
+34
+00:04:04,650 --> 00:04:12,630
+سببا في كتمان العلمي وتضحيق درجته ومن هنا كان
+
+35
+00:04:12,630 --> 00:04:21,350
+الإختلاف هذا هو سبب الإختلاف ومع ذلكوجبنا جمهور
+
+36
+00:04:21,350 --> 00:04:28,430
+علماء المسلمين من الفقهاء المعاصرين يقولون بأنه
+
+37
+00:04:28,430 --> 00:04:33,670
+يجوز أخذ البدل المالي وهم في ذلك حقيقة يسيرون على
+
+38
+00:04:33,670 --> 00:04:38,030
+نهج الأولين على نهج السلف الصالح القدامى من
+
+39
+00:04:38,030 --> 00:04:46,930
+العلماء في مبدأ إجازة أخذ البدل المالي حتىمهما
+
+40
+00:04:46,930 --> 00:04:55,570
+كانت النتائج ومهما ترتب على ذلك من أشياء ربما تمس
+
+41
+00:04:55,570 --> 00:05:02,990
+الآخرين ما لم يكن قاصدا لإلحق بهذا الضرر أو مادام
+
+42
+00:05:02,990 --> 00:05:11,480
+هذا الإنسان مطالبا بحقه الذي شراعته لهالشريعة أو
+
+43
+00:05:11,480 --> 00:05:16,180
+الذي أقرته له الشريعة هو غاية ما في ال .. أنت أيها
+
+44
+00:05:16,180 --> 00:05:20,800
+الأخ الطالب عندما تتخرج وتاخد شهادتك ربما هذه
+
+45
+00:05:20,800 --> 00:05:25,560
+الشهادة وهي حق كامل لك باتبار ما قدمت على مدار
+
+46
+00:05:25,560 --> 00:05:30,420
+أربع سنوات ربما تلحق ضررا بالآخرين بشكل أو بآخر
+
+47
+00:05:30,420 --> 00:05:35,990
+ولكن هل يمنع ذلك الجامعة أن تعطيها لك؟لا تمنع ضررا
+
+48
+00:05:35,990 --> 00:05:40,470
+يعني تلحق ضرر من حيث انه ربما شهادتك هذه اللي
+
+49
+00:05:40,470 --> 00:05:48,190
+حصلتها يعني تتقلد فيها منصبا مكان شخص آخر فالحق
+
+50
+00:05:48,190 --> 00:05:53,430
+الدرر بشكل جاير مباشر بشخص آخر لكن مع ذلك يعني
+
+51
+00:05:53,430 --> 00:05:58,990
+فإنك هل يقول واحد أنك غير مستحق لهذه الشهادة لأنه
+
+52
+00:06:04,850 --> 00:06:11,390
+مثلة الضرر هذه لها معالجة خاصة ونظرات خاصة قائمة
+
+53
+00:06:11,390 --> 00:06:21,210
+على الموازنات العامةلكن كل نفس بما كسبت رهينا
+
+54
+00:06:21,210 --> 00:06:26,910
+فلذلك كان رأي الجمهور العلماء كما قلنا بأن لا بأسة
+
+55
+00:06:26,910 --> 00:06:31,810
+إلا في حالات خاصة ذكرناها منطلقها أن الضرورات تبيح
+
+56
+00:06:31,810 --> 00:06:39,510
+المحضورات منطلقها أن الأمور تقدر بقدرها نعم أو
+
+57
+00:06:39,510 --> 00:06:44,500
+المصلحة العامة وقد وضحنا ذلك يعني كثيراأما الرأي
+
+58
+00:06:44,500 --> 00:06:52,200
+الآخر فظل متمترسا حول يعني مسألة أنه لما كان هذا
+
+59
+00:06:52,200 --> 00:06:59,640
+العمل أي أخذ البدل المالي يسببه كتمانا أو شكلا من
+
+60
+00:06:59,640 --> 00:07:05,530
+أشكال الكتمان أو صورة من صور التضييقللعلم قالوا
+
+61
+00:07:05,530 --> 00:07:10,830
+إذا هو مباح إما محرم أو ممنوع من باب أن ما يؤدي
+
+62
+00:07:10,830 --> 00:07:15,470
+إلى الممنوع فيكون ممنوعا ما يؤدي إلى الحرام فيكون
+
+63
+00:07:15,470 --> 00:07:21,870
+حراما وهذه وسيلة من وسائل أو صورة أو عمل يؤدي إلى
+
+64
+00:07:21,870 --> 00:07:27,070
+كتمان العلمومعروف انك اتمنى لقلم لغوء او فيه ما
+
+65
+00:07:27,070 --> 00:07:31,530
+فيه من البشاعة
+
+66
+00:07:31,530 --> 00:07:40,960
+وحكمه التحريم بنص القرآن الكريمثم بعد ذلك يعني بعد
+
+67
+00:07:40,960 --> 00:07:46,940
+استعراضنا لأدلة هؤلاء وأولئك لاحظنا أن أدلة الفريق
+
+68
+00:07:46,940 --> 00:07:53,620
+الأول القائل بالجواز الجمهور أدلة كما يقولون لا
+
+69
+00:07:53,620 --> 00:07:58,540
+غبارة عليها أدلة قوية معتمدة على مبادئ الشريعة
+
+70
+00:07:58,540 --> 00:08:03,040
+معتمدة على العرف معتمدة على الواقع معتمدة على
+
+71
+00:08:03,040 --> 00:08:08,630
+المصبحكلها أدلة قوية ترائها الشريعة في أحكامها
+
+72
+00:08:08,630 --> 00:08:15,570
+وبالتالي فإن الحكم الذي توصل اليه يعني يبدو للناظر
+
+73
+00:08:15,570 --> 00:08:23,330
+ولمقارن بين الوجهتين أنه الراجح، أنه الراجح وأنه
+
+74
+00:08:23,330 --> 00:08:28,380
+الأقرب إلى الصواب بإذن الله سبحانه وتعالىأما أدلة
+
+75
+00:08:28,380 --> 00:08:35,520
+الآخرين التي تبدو في ظاهرها على الأقل يعني مبنية
+
+76
+00:08:35,520 --> 00:08:41,140
+على النص أو مردها النصوص الشرعية ونوع من المنطقية
+
+77
+00:08:41,140 --> 00:08:46,800
+إلا أنه أمكن للفريق الأول أو حتى لكل من نظر بدقة
+
+78
+00:08:46,800 --> 00:08:52,680
+ومقارنة أمكنه ولديه شيء من العلم أن يناقش هذه
+
+79
+00:08:52,680 --> 00:09:00,750
+الأدلة بموضوعية ويبينوا عدم صحة الاستدلال بها نحن
+
+80
+00:09:00,750 --> 00:09:06,550
+لا نرد الدليل كدليل ولكن انما نرد الاستدلال بهذا
+
+81
+00:09:06,550 --> 00:09:13,940
+الدليل في هذه المسألة او تلفيعني هم لما بيقولوا إن
+
+82
+00:09:13,940 --> 00:09:17,580
+الذين يكتمون ما أنزلنا من البيانات والهدى، هل يمكن
+
+83
+00:09:17,580 --> 00:09:22,300
+لأحد أن يرد هذه الآية؟ بالطبع لا، وإنما أن تسخر
+
+84
+00:09:22,300 --> 00:09:26,920
+هذه الآية، أن توجهها في غير موضعها، هذا الذي يكون
+
+85
+00:09:26,920 --> 00:09:32,550
+محل نقاشوإلا فإن الآية ثابتة والدليل ثابت، لكن هو
+
+86
+00:09:32,550 --> 00:09:36,870
+ليس بالضرورة أن يكون دالًا على ما قالوا عليه ربما
+
+87
+00:09:36,870 --> 00:09:43,450
+هناك من يحاولون بقصد أو بغير قصد أن يلوون أعناق
+
+88
+00:09:43,450 --> 00:09:49,900
+النصوص ويستدلون بها في غير موضوعهاهذا يجب أن ينتبه
+
+89
+00:09:49,900 --> 00:09:55,160
+إليه لكل آية روح، ولذلك كان، إن كنتم تذكرون، كان
+
+90
+00:09:55,160 --> 00:10:02,440
+من أحد الشروط التي يجب أن تتمثل في المجتهد أن يكون
+
+91
+00:10:02,440 --> 00:10:06,990
+عالمًا بمقاصد التشريعةبروح التشريع، مش بس حفظ
+
+92
+00:10:06,990 --> 00:10:12,230
+الآيات و الأدلة، بل المسألة لابد أن يكون لديه بعد
+
+93
+00:10:12,230 --> 00:10:19,470
+نظر و فهم لكليات الشريعة و مقاصدها و أسرارها و
+
+94
+00:10:19,470 --> 00:10:27,860
+دلالات نصوصهاوبدأنا بالفعل نناقش هذه الأدلة دليلا
+
+95
+00:10:27,860 --> 00:10:35,540
+دليلا ونرد عليها بدءا بدليل الآية إن الذين يختمون
+
+96
+00:10:35,540 --> 00:10:40,120
+هذه ما أنزلنا من البيانات والهدى إلى آخر الآيات
+
+97
+00:10:40,120 --> 00:10:48,780
+وقلنا بأن من أراد أن يستدل بهذه الآية ينبغي أن
+
+98
+00:10:48,780 --> 00:10:53,960
+ينظر إلىالنصوص الأخرى، ينبغي أن ينظر إلى النصوص
+
+99
+00:10:53,960 --> 00:11:01,040
+الأخرى عندها تتضح له الرؤية، أي أنت وانت تقرأ قول
+
+100
+00:11:01,040 --> 00:11:07,520
+الله إن الله إن الذين يكتمون ما أنزلنا من البيانات
+
+101
+00:11:07,520 --> 00:11:12,300
+والهدى، ينبغي أن لا تغمض عينك عن قوله تعالى يا
+
+102
+00:11:12,300 --> 00:11:17,560
+أيها الذين آمنوالا تأكلوا أموالكم بينكم بالباطل،
+
+103
+00:11:17,560 --> 00:11:25,640
+ذلك فإن من يمنعالمؤلف الذي بدل الجهد مضنيًا
+
+104
+00:11:25,640 --> 00:11:31,300
+وكبيرًا في أخذ يمنعه عن أخذ البدل المالي هو شيء أو
+
+105
+00:11:31,300 --> 00:11:36,060
+صورة أو نوع من أكل أموال الناس بالباطل، اعتداء على
+
+106
+00:11:36,060 --> 00:11:41,280
+الحقوق، فهو أكل أموال الناس بالباطل، فلا يجوز،
+
+107
+00:11:41,280 --> 00:11:46,220
+وعندها ينبغي أن يفسر قول الله عز وجل حتى لا يكون
+
+108
+00:11:46,220 --> 00:11:51,520
+ثم تتعارب ولا تناقب بين النصوص وبين قواعد الشريعة
+
+109
+00:11:51,520 --> 00:11:57,180
+أنأن يفسر قول الله إن الذين يكتمون ما أنزلنا من
+
+110
+00:11:57,180 --> 00:12:04,020
+البيانات والهدى يعني يكتمونه قصدا وبغير مبرر وبغير
+
+111
+00:12:04,020 --> 00:12:10,580
+مسوّغهو قاصد لكن عندما هو لم يقصد و الله كتمان
+
+112
+00:12:10,580 --> 00:12:16,260
+العلم ولم يقصد تضييق دائرته ولديه ما يسوّه
+
+113
+00:12:16,260 --> 00:12:21,400
+بالمطالبة بحقه كيف يسمى هذا كاتما للعلم؟ وكيف
+
+114
+00:12:21,400 --> 00:12:27,500
+يندرج تحت عموم هذه الآية التي تلعن كتك؟ نحن نقول
+
+115
+00:12:27,500 --> 00:12:33,490
+بأن كاتما للعلم ملعونولكن أن يكون كتمه قصدا وأن
+
+116
+00:12:33,490 --> 00:12:39,670
+يكون كتمه يعني ايه له .. ليس له ما يبرره، لكن هذا
+
+117
+00:12:39,670 --> 00:12:45,970
+ربما ترتب عليه نوع من الكتمان لغلاب قصدا ولديه ما
+
+118
+00:12:45,970 --> 00:12:52,950
+يسوق هذه المطالبة التي تكرر أو ترتب عليهاربما نوع
+
+119
+00:12:52,950 --> 00:12:57,450
+من أنواع الكتمان كان يمكن تداركه بقليل من التدخلي
+
+120
+00:12:57,450 --> 00:13:05,490
+من قبل الدولة دون أن يغمط هذا المؤلف حقه رأيت كيف
+
+121
+00:13:05,490 --> 00:13:09,490
+أن من قام بعملية الاحتكار
+
+122
+00:13:17,560 --> 00:13:23,480
+لكن من قام بعملية الاحتكار كيف يتم علاجة الأمر؟ هل
+
+123
+00:13:23,480 --> 00:13:30,520
+بكسر ظهره ومصادرة سلعته؟ او باجباره على بيعها
+
+124
+00:13:30,520 --> 00:13:36,520
+بالسعر المعتدل وبالسعر الدارج؟ اذا لا يُحضَم أحد
+
+125
+00:13:36,520 --> 00:13:44,420
+أنا باجبره وكذلك هذا المؤلف انا استطيع ان اجبره
+
+126
+00:13:44,420 --> 00:13:52,600
+علىنشر العلم على أن ينتفع الجميع بكتابه، لكن ليس
+
+127
+00:13:52,600 --> 00:13:59,880
+قبل أن أعطيه حقه، وهنا تتكامل الصورة و لا يدخل في
+
+128
+00:13:59,880 --> 00:14:08,120
+عموم هذا، إذا ليس بالضرورة أن يكون هذا الذي يطالب
+
+129
+00:14:08,120 --> 00:14:12,700
+بحقه من من يكتمون العلم، ولا يدخل في عموم هذه
+
+130
+00:14:12,700 --> 00:14:17,930
+الآيةمسألة القربة أيضًا قلنا إنه يعني اللي استدلوا
+
+131
+00:14:17,930 --> 00:14:21,650
+فيها أن هذا يعتبر قربة من القربات وطاعة من الطاعت
+
+132
+00:14:21,650 --> 00:14:25,990
+وبالتالي لا يجوزوا أخذ البدل المالي عنها قالوا لهم
+
+133
+00:14:25,990 --> 00:14:30,850
+يا جماعة ماشي القادة سلمنا نسلموا نحن معكم ونتفقوا
+
+134
+00:14:30,850 --> 00:14:35,810
+معكم بأن القربات والإبادات والطاعة لله رب العالمين
+
+135
+00:14:35,810 --> 00:14:40,850
+ليس فيها ليس عليها بدل ولا يُخَد عنها بدل لكن في
+
+136
+00:14:40,850 --> 00:14:47,800
+أحيانًاالظروف والأحوال تتغير و تتبدل وتقتضي تغيير
+
+137
+00:14:47,800 --> 00:14:54,260
+الحكم فإنه لا ينكرتغير الأحكام بتغير الزمان
+
+138
+00:14:54,260 --> 00:15:00,080
+والمكان والظروف والأعراف، لا انكر يا إخوان، خاصة
+
+139
+00:15:00,080 --> 00:15:06,360
+إذا تعلق الأمر، خاصة إذا تعلق الأمر يعني بشيء مهم،
+
+140
+00:15:06,360 --> 00:15:10,680
+بشعيرة من شعير الإسلام أو بعبادة من عبادة الإسلام،
+
+141
+00:15:10,680 --> 00:15:16,580
+يخشى عليها من أن يعني تذوب أو تنقرض أو لا يقبل
+
+142
+00:15:16,580 --> 00:15:23,210
+عليها أحدالأذان، الإمامة، تعليم القرآن، هذا لو في
+
+143
+00:15:23,210 --> 00:15:29,350
+عصرنا هذا، لو لم يُعطى المؤذنون، لو لم يُعطى
+
+144
+00:15:29,350 --> 00:15:34,290
+الأئمة، لو لم يُعطى معلمو القرآن الكريم أجراً على
+
+145
+00:15:34,290 --> 00:15:39,390
+تعليمهم مع الإقرار بأن كل هذا من روح العبادات، من
+
+146
+00:15:39,390 --> 00:15:43,130
+العبادات، من أساسيات العبادات والطاعة، من أعظم ما
+
+147
+00:15:43,130 --> 00:15:48,190
+يتقرب الإنسان إلى الله، ولا لا؟فهي من لغة الطاعات
+
+148
+00:15:48,190 --> 00:15:53,590
+والعبادات ومع ذلك فقد أقرى كثير من العلماء القدامى
+
+149
+00:15:53,590 --> 00:16:00,050
+والمعاصرين جواز أخذ بدل مالي عن تعليم القرآن، جواز
+
+150
+00:16:00,050 --> 00:16:04,970
+أخذ بدل مالي عن الإمامة، جواز أخذ بدل مالي عن
+
+151
+00:16:04,970 --> 00:16:12,820
+الخطابة، جواز أخذ بدل مالي عن رفع الأذانمع ما فيه
+
+152
+00:16:12,820 --> 00:16:16,300
+من قربة كبيرة عند الله و احنا سردنا المرة الماضية
+
+153
+00:16:16,300 --> 00:16:21,720
+عدد من الأحاديث التي تدلل على مقام هذه الصور من
+
+154
+00:16:21,720 --> 00:16:26,200
+الإبادات عند الله سبحانه وتعالى اطلب لكم مثلا فقط
+
+155
+00:16:26,200 --> 00:16:31,900
+في واقعنا كان في مرحلة من المراحل وزارة الأوقاف
+
+156
+00:16:31,900 --> 00:16:41,060
+توطي للخطاباء الذين يخطبون يعني بيسموها مقطوعة
+
+157
+00:16:41,880 --> 00:16:47,160
+يخطبون في المساجد لهم عمل آخر موظف مدرس طبيب فزا
+
+158
+00:16:47,160 --> 00:16:54,180
+لكنه لهم قدرة يجيدوا الخطابة فيتم الترتيب بينه
+
+159
+00:16:54,180 --> 00:16:59,140
+وبين الأوقات في أن يخطب كل جمعة مقابل خمسمائة شكل
+
+160
+00:16:59,140 --> 00:17:07,020
+شهريا بيسموها مقطوعة مش موظف رسمي خمسمائة شكل وهذه
+
+161
+00:17:07,020 --> 00:17:10,740
+حقيقة الخطوة
+
+162
+00:17:11,570 --> 00:17:21,010
+سببت تسبب عنه نور إقبال وتجويد للخطبة واهتمام بها
+
+163
+00:17:21,010 --> 00:17:26,630
+والتزام بمواعيدها أحيانا كثيرة ندخل المسجد لا خطب
+
+164
+00:17:28,070 --> 00:17:36,370
+أحيانا خطبة غير معدة، أدادا جيدا، لكن طبعا مثل
+
+165
+00:17:36,370 --> 00:17:42,210
+هؤلاء اللي عندهم قدرات وإمكانيات تحفيظهم على
+
+166
+00:17:42,210 --> 00:17:51,110
+الخطبة بمقابل بسيط أو مش بسيط، معقول؟ يعني رفع
+
+167
+00:17:51,110 --> 00:17:58,200
+من مستوى الخطبة وأفاد الناس عموماهذا جانب .. جانب
+
+168
+00:17:58,200 --> 00:18:03,980
+.. بعد ذلك جاءت يعني في مرحلة أخرى جاءت وزارة أخرى
+
+169
+00:18:03,980 --> 00:18:08,500
+بعد ذلك والوزارة يتغيرون ويتبدلون فأعترض على
+
+170
+00:18:08,500 --> 00:18:14,780
+المقطوع قال احنا هدولة موظفين و هدولة مثلا ايه
+
+171
+00:18:14,780 --> 00:18:19,860
+عايبين يقبضوا والله اللي بده ييجي يخطب without
+
+172
+00:18:19,860 --> 00:18:29,060
+يعني مجانا أهلا وسهلاواللي ما بده يخطب يعني برضه
+
+173
+00:18:29,060 --> 00:18:32,140
+حر،
+
+174
+00:18:32,140 --> 00:18:38,480
+اللي بده يخطب مجامن بنعطيه، يفضل يخطب، بده فلوس،
+
+175
+00:18:38,480 --> 00:18:44,370
+بلوش عننا خطبةاستنكفى يعني معظم هؤلاء استنكفوا،
+
+176
+00:18:44,370 --> 00:18:47,810
+ماعنديش أقول كلهم، يعني مظل هناك وناس هناك وناس
+
+177
+00:18:47,810 --> 00:18:52,910
+يعني فعلا عندهم يعني الكذا، لكن في ناس استنكفوا،
+
+178
+00:18:52,910 --> 00:18:57,250
+قالك انا يعني انا اصلا بتعلل الإنسان، سبحان الله،
+
+179
+00:18:57,250 --> 00:19:03,330
+انا اصلا وقتي ضيق، انا كده، انا مشغول، انا .. فممن
+
+180
+00:19:03,330 --> 00:19:09,470
+عكس سلبا بعد ذلك على مستوى الأداء في الخطاب إجمالا
+
+181
+00:19:11,430 --> 00:19:17,750
+طيب أنا أدفع الخمسمية شكل .. أه الشاهد .. و أفيد
+
+182
+00:19:17,750 --> 00:19:21,930
+الناس و أجعل هناك التزام من قبل الخطاباء بما
+
+183
+00:19:21,930 --> 00:19:26,230
+ينعكسه إيجابا على المجتمع ولا أقطع الخمسمية شكل
+
+184
+00:19:26,230 --> 00:19:31,250
+بحجج من هنا و هناك؟ بقولك يعني قد يكون لهم مبررات
+
+185
+00:19:31,250 --> 00:19:36,950
+و قد يكون لهم مجتد نظر على كل الأحوالوينزل المستوى
+
+186
+00:19:36,950 --> 00:19:40,750
+ويصير فيه إشكال ويصير فيه شكاوة ويصير فيه .. يعني
+
+187
+00:19:40,750 --> 00:19:46,190
+هذا .. فبصير فيه يا إخوة بمعنى آخر إنه يتغير الحكم
+
+188
+00:19:46,190 --> 00:19:50,550
+.. فديتغير الحكم، لا معناه من إنه عادت النظر مرة
+
+189
+00:19:50,550 --> 00:19:56,370
+بعد كرةعندما نشعروا بإيه؟ بأي خطر؟ عندما نشعروا
+
+190
+00:19:56,370 --> 00:20:02,870
+بأي تغير في المعطيات وفي الظروف تستدعي إعادة النظر
+
+191
+00:20:02,870 --> 00:20:08,630
+في مسألة من المسائل يا إخوة عمر ابن الخطاب رضي
+
+192
+00:20:08,630 --> 00:20:16,150
+الله عنهم أوقف سهم المؤلفة قلوبهم مع أنهم يشكلون
+
+193
+00:20:16,150 --> 00:20:23,530
+مصرفا من مصارف أهل الذكاء ثمانيةمن يأخذون الذكاء
+
+194
+00:20:23,530 --> 00:20:29,070
+ربنا سبحانه وتعالى هو الذي تكفّل ببيان أنواعهم
+
+195
+00:20:29,070 --> 00:20:33,570
+إنما الصداقاته للفقراء والمساكين والعاملين عليها
+
+196
+00:20:33,570 --> 00:20:38,190
+والمؤلفة قلوبهم وفي الرقاب المؤلفة قلوبهم هدول
+
+197
+00:20:38,190 --> 00:20:41,490
+اللي بدخلوا في الإسلام يعني جديد ولمّا يدخل
+
+198
+00:20:41,490 --> 00:20:45,950
+الإسلام في قلوبهم بعد لكن هم أصحاب مكانة في
+
+199
+00:20:45,950 --> 00:20:52,110
+مجتمعاتهم دخولهم في الإسلامقد يكون له مردود إيجابي
+
+200
+00:20:52,110 --> 00:20:59,290
+فالإسلام أقر أنه لهم عطاء عشان يعني إلى أن يروا
+
+201
+00:20:59,290 --> 00:21:04,290
+روعة الإسلام وإلى أن يروا أخلاق الإسلام وبهاء
+
+202
+00:21:04,290 --> 00:21:09,150
+الإسلام و فيدخل في قلوبهم وبعد ذلك يعني هم لحالهم
+
+203
+00:21:09,150 --> 00:21:14,060
+يعني مش هيطلبوا لأنه حيحسوا أن هذا مش ..الشهد أن
+
+204
+00:21:14,060 --> 00:21:16,660
+النبي صلى الله عليه وسلم يا إخوة كان يعطي هؤلاء
+
+205
+00:21:16,660 --> 00:21:21,760
+بناء على .. و أبو بكر كان يعطيهم رضي الله عنهم في
+
+206
+00:21:21,760 --> 00:21:26,400
+أواخر عهد أبي بكر جاءوا اليه ليطلبوا نصيبهم من
+
+207
+00:21:26,400 --> 00:21:32,360
+الذكاء سنويا أبو بكر أرسلهم لعمر باعتبار أن عمر
+
+208
+00:21:32,360 --> 00:21:41,180
+كان مثابت وزير لأبي بكر في حينها فعمر أوقف نصيبهم
+
+209
+00:21:41,180 --> 00:21:48,680
+قالهم خلاصماعادش هذا الأمر يعني يجوز أن يستمر
+
+210
+00:21:48,680 --> 00:21:53,220
+انتوا بتكون ضالكوا مؤلفة قلوبكوا ولا وقت ايش
+
+211
+00:21:53,220 --> 00:21:58,380
+التاليف سنة ولا سنتين ولا تلاتة طبعا عصرنا بكله،
+
+212
+00:21:58,380 --> 00:22:04,220
+هاي سنتين في عصر أبي بكر، إلى متى؟ وقفناها يا عمي،
+
+213
+00:22:04,220 --> 00:22:13,370
+قطعناها، يا إما، وانتوا حرين، وانتوا حرينقام و جال
+
+214
+00:22:13,370 --> 00:22:18,530
+و أوقف يا أخوة هذا نظر عميق هذا ليس بتعطيلا للنص
+
+215
+00:22:18,530 --> 00:22:24,990
+هذا ليس تعطيلا قد يقال بعض يعني بعض الظاهريين أو
+
+216
+00:22:24,990 --> 00:22:29,690
+بعض ما لا يفقهون من الناس ظنوا أن عمر يعني أوقف
+
+217
+00:22:29,690 --> 00:22:36,650
+نصا في كتاب الله و ليس كذلك بل هو فعل نصا او فهما
+
+218
+00:22:36,650 --> 00:22:43,250
+نصا فهما حقيقيا التأليف مؤقتالتأليف له هدف ومؤقت،
+
+219
+00:22:43,250 --> 00:22:50,450
+فإذا انتهى وقته وزالت علته، انتهى حكمه، الحكم يدور
+
+220
+00:22:50,450 --> 00:22:56,770
+مع العلة، وجودا وعدما، وجدت العلة وجدت الحكم،
+
+221
+00:22:56,770 --> 00:23:01,710
+ماوجدتش العلة، بنتهى الحكم، الآن انتفت العلة،
+
+222
+00:23:01,710 --> 00:23:07,220
+وانتفت السبب اللي من أجله، وجد التأليفبعد أن قوية
+
+223
+00:23:07,220 --> 00:23:12,220
+دولة الإسلام ولم تقض بحاجة إلى ناس يعني متذبذبين
+
+224
+00:23:12,220 --> 00:23:19,000
+ومترددين وإيمانهم مربوط بالمال لكن يا إخوة في نفس
+
+225
+00:23:19,000 --> 00:23:25,700
+الوقت أقول إنه من الممكن في أي زمان ليس معناه أن
+
+226
+00:23:25,700 --> 00:23:32,270
+عمر أوقفه أنه أوقفه البتة أو تأبيدالو إن ضعفت دولة
+
+227
+00:23:32,270 --> 00:23:36,390
+الإسلام، أو حتى مش ضعفت، حتى في حالة القوة، احتاجت
+
+228
+00:23:36,390 --> 00:23:40,830
+في بعض الحالات إلى بعض الناس أن تؤلفهم وتعطيهم
+
+229
+00:23:40,830 --> 00:23:46,670
+يعني على مدار سنة، سنتين، إلى أن كذا ترا منهم
+
+230
+00:23:46,670 --> 00:23:51,310
+الخير ويتحقق على أيديهم الخير، لبس أن يعادل، ليس
+
+231
+00:23:51,310 --> 00:23:56,930
+هذا تعطيلا للنص، وإنما هو تطبيقا، دقيقا، صحيحا
+
+232
+00:23:56,930 --> 00:24:03,290
+للنصمتى يرتبط بقلة ايه؟ يعني على كل الأحوال وهذا
+
+233
+00:24:03,290 --> 00:24:06,890
+.. من .. من هذا القبيل يعني مسألة القربة قد يُأخذ
+
+234
+00:24:06,890 --> 00:24:10,950
+عليها أجراً وقد .. قديماً لماذا لم يكن يأخذ ناس
+
+235
+00:24:10,950 --> 00:24:14,810
+قربة؟ أولاً المادة ماكنش طاغية الإيمان كان جاوي
+
+236
+00:24:14,810 --> 00:24:19,330
+عند الناس ماكنش في .. يعني الحياة بسيطة، أي حاجة
+
+237
+00:24:19,330 --> 00:24:23,330
+الواحد مافيش بده كناب ولا تلفزيون ولا بده مش عارف
+
+238
+00:24:23,330 --> 00:24:28,610
+إيش، مطلبات كثيرة، الحياة بسيطة، فيمكن أن يتفرج
+
+239
+00:24:29,020 --> 00:24:32,680
+التقرب إلى الله دون أن يتقابل أجرا ويمكن إلى جانب
+
+240
+00:24:32,680 --> 00:24:38,100
+ذلك أن يعمل أعمال يعني تعود عليه بالارتزاق بما
+
+241
+00:24:38,100 --> 00:24:43,480
+يكفي حياته الأساسية مافي .. لم يكن داعي و لذلك كان
+
+242
+00:24:43,480 --> 00:24:47,780
+في .. ماعدش كان بطالب بشيء منها لكن اليوم الحياة
+
+243
+00:24:47,780 --> 00:24:55,660
+تغيرتمعطيات تغيرت وصار في خوف على هذه الشعائر على
+
+244
+00:24:55,660 --> 00:25:00,820
+هذه الإبادات ففي كان صار اكثر من نعم يا أخ كنت
+
+245
+00:25:00,820 --> 00:25:05,700
+بتقول ان الدكتور لو كان في مصر فقيرلو كان في مسلم
+
+246
+00:25:05,700 --> 00:25:09,600
+فقير، لو في واحد أسلم جديد، كان مسيحي وأسلم جديد
+
+247
+00:25:09,600 --> 00:25:15,040
+مثلا، فبسبب أنه أسلم .. بسبب أنه أسلم فقد شغله
+
+248
+00:25:15,040 --> 00:25:19,400
+المسيح هذا، مافيش مويقله، مين .. مين أجدر بالصدقة؟
+
+249
+00:25:19,400 --> 00:25:22,620
+هل المسلم اللي كان فقير من الأساس ولا المسيح اللي
+
+250
+00:25:22,620 --> 00:25:27,100
+أسلم جديد؟ هو الآن .. انسى أنه كان مسيحي، هو الآن
+
+251
+00:25:27,100 --> 00:25:33,940
+صار مسلمافيسوى بينه وبين غيره، ثانيا هو صار فقيرا،
+
+252
+00:25:33,940 --> 00:25:41,980
+ثالثا هو صار مستحق بإعتبار أنه فقد مرتبة مثلا أو
+
+253
+00:25:41,980 --> 00:25:48,050
+لم يعد قادرا على يعني رعاية أمور حياتهصار مستحقا
+
+254
+00:25:48,050 --> 00:25:52,710
+للزكاة شأنه وشأن غيره، فليس في العمر مشكلة،
+
+255
+00:25:52,710 --> 00:25:56,990
+والزكاة مش هتكون يعني بس ع جد واحد ولا اتنين،
+
+256
+00:25:56,990 --> 00:26:00,830
+الزكاة توزع على عامة الفقراء والمساكين والمحتاجين،
+
+257
+00:26:00,830 --> 00:26:05,730
+نعم، يا أخوة، زكاة أموال الناس، المسلمين، لو أخذت
+
+258
+00:26:05,730 --> 00:26:12,370
+ودفعت، أو لو دفعت بحق، لكفت وغطتكل الفقراء ولم نرى
+
+259
+00:26:12,370 --> 00:26:16,170
+فقراء في .. في كل عام لو كان الناس بيدفعوا اتنين و
+
+260
+00:26:16,170 --> 00:26:20,450
+نص في المية لا بدنا سبعتاش في المية مكوس ولا ضريبة
+
+261
+00:26:20,450 --> 00:26:25,450
+ولا إضافية ولا مش عارفش اتنين و نص في المية ذكاء
+
+262
+00:26:25,450 --> 00:26:31,720
+بحقيدفعها أغنياء المسلمين من أموالهم تكفي لتغطية
+
+263
+00:26:31,720 --> 00:26:36,200
+حاجة جميع الفقراء والمحتاجين في الأوضاع الطبيعية
+
+264
+00:26:36,200 --> 00:26:40,180
+إلا في حالة الكوارث والحروب كذا ربما نحتاج إلى
+
+265
+00:26:40,180 --> 00:26:46,810
+المزيد غير لكن في الحالة الطبيعية يعني يكفيإذن
+
+266
+00:26:46,810 --> 00:26:52,110
+مسألة القربة أيضًا لا إشكالة فيها، مسألة ال .. ال
+
+267
+00:26:52,110 --> 00:26:58,370
+.. ال .. البيع قالوا أو قبل البيع قالوا قياسًا على
+
+268
+00:26:58,370 --> 00:27:06,250
+إيه؟ على الشفعة، مش المعارضين، جالوا من ضمن
+
+269
+00:27:06,250 --> 00:27:09,990
+الاستدلالات تبعتهم على عدم جواز أخذ البدل المالي
+
+270
+00:27:09,990 --> 00:27:13,890
+قياسًا على حق الشفعة، مش هتحكيناها المرة اللي فاتت
+
+271
+00:27:13,890 --> 00:27:20,620
+ولا لا؟ب .. ب .. ب .. ب .. و بالقاس المشترك اللي
+
+272
+00:27:20,620 --> 00:27:25,120
+هو ايه؟ كونه حق معنوي .. حق معنوي .. حق معنوي ..
+
+273
+00:27:25,120 --> 00:27:28,860
+حق المعنوي تبقى الشفعة لا يجوز باتفاق أخذ بدل مالي
+
+274
+00:27:28,860 --> 00:27:36,220
+عنه إذا زي نظرية و برهان إذا الحق التأليف لا يجوز
+
+275
+00:27:36,220 --> 00:27:42,820
+لكن برضه هذا يعني مردود الاستدلال بكلمة واحدة
+
+276
+00:27:42,820 --> 00:27:51,050
+القياس مع الفارقبتجيس صورة لم يرد فيها حكم تتعرف
+
+277
+00:27:51,050 --> 00:27:54,430
+على حكم على صورة ورد فيها حكم او ظاهر فيها الحكم
+
+278
+00:27:54,430 --> 00:28:02,310
+بد يكون في تطابق كامل عشان انت يعني يستقيم الحكم
+
+279
+00:28:02,310 --> 00:28:07,210
+اللي لم يكن تطابقا مش بضرورة بس يعني في جانب واحد
+
+280
+00:28:07,210 --> 00:28:12,790
+التطابق لأ في كل الجوانب الشفعة وحق التأليف حقين
+
+281
+00:28:12,790 --> 00:28:18,120
+من حقوق المعنوية صحيححقين الحقوق المعنوية لكن يا
+
+282
+00:28:18,120 --> 00:28:24,980
+اخوة بيختلفوا عن بعضهم اختلافات كثيرة حق الشفعة
+
+283
+00:28:24,980 --> 00:28:31,660
+ليس حقا ناتجا عن جهدك العقلي ولا جهدك الفكري ولا
+
+284
+00:28:31,660 --> 00:28:37,080
+لا حق الشفعة أثبتته الشريعة لك للجار أو للشريك
+
+285
+00:28:37,080 --> 00:28:45,760
+دفعا للضرربينما حق التأليف يعني حق صادر يعني حق
+
+286
+00:28:45,760 --> 00:28:51,460
+ثبت لك باعتباره صادر عن جهد او نتائج جهد منك
+
+287
+00:28:51,460 --> 00:28:59,100
+باركته و .. و .. يعني وبالتالي فهو حق ابتدائي و
+
+288
+00:28:59,100 --> 00:29:04,640
+ليس عرضي مش دافع للضرر لأ ضرر مش ضرر حتى احنا جونا
+
+289
+00:29:04,640 --> 00:29:10,400
+لو ترتب على درجة ضرر يثبت هذا الحق ضرر هذا حقيعني
+
+290
+00:29:10,400 --> 00:29:18,800
+تستحقه مقابل ما بذلته من جهد فهو حق ثابت ابتدائي و
+
+291
+00:29:18,800 --> 00:29:25,370
+ليس عرضي لسبب آخربذواله يزول ومن هنا اختلفت الصورة
+
+292
+00:29:25,370 --> 00:29:30,810
+ومن هنا القياس اختلف يعني هناك لما انزلت ضرر لم
+
+293
+00:29:30,810 --> 00:29:35,410
+يعود في حق الشفعة لم يعود لك بالفعل حق ونحن مع ذلك
+
+294
+00:29:35,410 --> 00:29:40,250
+في أخذ البدل لكن هنا هذا حق مش ليه متعلق بضرر ولا
+
+295
+00:29:40,250 --> 00:29:45,590
+بغيره وانما متعلق بجهد انت بدلته فتستحق عليه الأجر
+
+296
+00:29:45,590 --> 00:29:48,050
+فالأمر مختلف هنا
+
+297
+00:29:50,930 --> 00:29:57,070
+الدليل الرابع الذي استدلوا فيه او بيه وهو ايه؟
+
+298
+00:29:57,070 --> 00:30:01,450
+مسألة ان اللي بيبيع .. قالوا ايش المعارضين؟ قالوا
+
+299
+00:30:01,450 --> 00:30:09,110
+أليس من باع شيئا تملكه؟ومن تملك شيئا حق له التصرف
+
+300
+00:30:09,110 --> 00:30:14,730
+فيه كيف ما شاء صحيح جالوا انتوا وفق الصورة اللي
+
+301
+00:30:14,730 --> 00:30:17,970
+بتحكوها انتوا بناء على جواز أخذ البدل المالي
+
+302
+00:30:17,970 --> 00:30:23,030
+الواحد المؤلف بيبيع الكتاب وبعدين بعد ما يبيعه
+
+303
+00:30:23,030 --> 00:30:33,590
+بيلاحق المشتري ويقيده تملكه كيف يقيد تملكه من حيث
+
+304
+00:30:33,590 --> 00:30:41,780
+منعه منمن طبعته ونشره وهل هذا يستقيم؟ هذا لا
+
+305
+00:30:41,780 --> 00:30:45,960
+يستقيم كأن بهم .. كأن بهم يردون أن يقولوا .. يعني
+
+306
+00:30:45,960 --> 00:30:53,210
+إذا قلتم يعني .. يعني أنه ..البيع جائز لكن اي بيع
+
+307
+00:30:53,210 --> 00:31:00,910
+هذا الذي يبيعه ثم يلاحق المشتري ويقيده الاصل في
+
+308
+00:31:00,910 --> 00:31:08,990
+البيع انه تملك و تأبيد و حرية مطلقة في التصرف ولا
+
+309
+00:31:08,990 --> 00:31:14,270
+يحدث هذا في ما تفعلون اذا من أصله كأنهم بدهم
+
+310
+00:31:14,270 --> 00:31:21,890
+يقولوا من أصله البيع مش جائز في هذه الحالةفرد
+
+311
+00:31:21,890 --> 00:31:28,890
+عليهم بأن التقييد
+
+312
+00:31:28,890 --> 00:31:39,850
+هذا ليس معناه بطلان البيع، ذلك أن هناك فرق بين
+
+313
+00:31:39,850 --> 00:31:48,910
+تملك الشيء وإنتاج مثلهبين تملك الشيء وإنتاج مثله
+
+314
+00:31:48,910 --> 00:31:53,870
+بالفعل تملك الشيء يعطي الإنسان الحق في التصرف فيه
+
+315
+00:31:53,870 --> 00:31:58,870
+ونحن لا نمنع من أن يتصرف مشتري الكتاب كيف يشاء
+
+316
+00:31:58,870 --> 00:32:08,410
+لمنع يبيعه لآخر لصاحبه يقرأ فيه ان شاء الله مزه
+
+317
+00:32:08,410 --> 00:32:15,630
+ورد ويحط فيه فلفل زي ما بيحصل أحيانا حر حر حر فيه
+
+318
+00:32:15,760 --> 00:32:24,320
+لكن ان ان ينتج مثله بنقوله لأ لأنه انت ما شريت
+
+319
+00:32:24,320 --> 00:32:32,280
+الفكرة انت شريت الكتاب الجلد و الورق و كأنك اشتريت
+
+320
+00:32:32,280 --> 00:32:36,400
+الانتفاع فاكرين يا اخوة اول ما شبحنا الكتاب او
+
+321
+00:32:36,400 --> 00:32:43,510
+المؤلف شبحناه بالمنافع اللي بتأجر بيتو بعد .. و
+
+322
+00:32:43,510 --> 00:32:46,490
+بعد .. ان شاء الله بعد عشرين سنة دفع حجه كامل عشر
+
+323
+00:32:46,490 --> 00:32:50,650
+.. في ناس طول المدة مابتجه دفع أكتر من حج البيت
+
+324
+00:32:50,650 --> 00:32:57,030
+أجابي بقدر يقول البيت إيه اللي صار؟ لأ لإن هو
+
+325
+00:32:57,030 --> 00:33:02,350
+اشتراه منفعة أو تأجره منفعة انت هنا يعني اشتريت
+
+326
+00:33:02,350 --> 00:33:04,790
+يعني أوراق
+
+327
+00:33:06,730 --> 00:33:10,790
+وكلام وانتفعت به يعني فيه جانب منفعة او جانب
+
+328
+00:33:10,790 --> 00:33:17,290
+الأوراق هذه البوتقة تعتبر لاحتضان المنفعة او
+
+329
+00:33:17,290 --> 00:33:22,470
+الفكرة هر فيها اتصرف فيها اما الفكرة او ذات الفكرة
+
+330
+00:33:22,470 --> 00:33:28,180
+مش إلكولم تشتريها بعشرين شكل ولا يُعقل هذا، فلذلك
+
+331
+00:33:28,180 --> 00:33:33,740
+ممنوع تتصرف فيها، فالأمر مختلف إذن، ما تجيسليش
+
+332
+00:33:33,740 --> 00:33:37,840
+هادي على هادي، و بالظبط قولنا يوم، هتقول اللي فات،
+
+333
+00:33:37,840 --> 00:33:43,460
+قولنا كيف؟ إنه زي الفلوسزي اي ابتكار يعني وشوفنا
+
+334
+00:33:43,460 --> 00:33:48,940
+احنا الشركات بترفع على بعضها قضايا لما بتحس ان
+
+335
+00:33:48,940 --> 00:33:54,300
+شركة يعني اخدت الفكرة الفكرة او جزء من الفكرة يعني
+
+336
+00:33:54,300 --> 00:34:03,270
+منها خامساقالوا يعني أضافوا إلى كل ذلك ردًا كرد
+
+337
+00:34:03,270 --> 00:34:07,690
+إجمالي كرد إجمالي قالوا يعني وكان بهم يا إخوة
+
+338
+00:34:07,690 --> 00:34:12,030
+يريدون أن يقولوا في النهاية يا جماعة اسمعوا ماشي
+
+339
+00:34:12,030 --> 00:34:20,810
+الحال سلمنا لكم جواز البيأة لكن هو اللي بده يبيع
+
+340
+00:34:20,810 --> 00:34:25,770
+بده يبيع كم من مرة الشغلة تنبيع كم من مرة مرة
+
+341
+00:34:25,770 --> 00:34:32,190
+واحدة بعد احدث تملكفإذا باعها في المرة الأولى
+
+342
+00:34:32,190 --> 00:34:39,050
+فقالوا خلاص فيكفيه هذا فلا يحق له أن يبيعها مرة
+
+343
+00:34:39,050 --> 00:34:45,090
+أخرى ويصبح من حق كل من اشترى كتابا بعد ذلك أن
+
+344
+00:34:45,090 --> 00:34:50,900
+يتصرف فيه وأن يطبعه يعني كما يشاء، هكذا قالواخاصة
+
+345
+00:34:50,900 --> 00:34:56,740
+أن هذا الفعل قد لا يعود عليه بالخسارة وإنما ذلك
+
+346
+00:34:56,740 --> 00:35:00,800
+لأنه بطبعته الأولى وفي باقي الكتاب أول مرة في
+
+347
+00:35:00,800 --> 00:35:07,060
+الطبعة الأولى قد مال حقه وهنا
+
+348
+00:35:07,060 --> 00:35:12,800
+أيضا يرد على هذا الكلام قريبا من ما يرد عليه في
+
+349
+00:35:12,800 --> 00:35:23,070
+الصورة أو في الدليل الذي قبلهذلك ان اولا
+
+350
+00:35:23,070 --> 00:35:29,830
+هناك فيه فرق بين الفكرة و الكتاب وبالتالي ليس من
+
+351
+00:35:29,830 --> 00:35:35,830
+حق من اشتر الكتاب ان يبيعه وإن كان هناك منفعة هو
+
+352
+00:35:35,830 --> 00:35:46,170
+حق بها ثم انه حتى وإن افترضنا انأنه ببيعه الكتاب
+
+353
+00:35:46,170 --> 00:35:53,590
+في المرة الأولى قد حصل مقابلة جوده فإنه لا يمنع يا
+
+354
+00:35:53,590 --> 00:36:01,810
+إخوة إذا كان ثمة إمكانية للانتفاع مرة أخرىلا يمنع
+
+355
+00:36:01,810 --> 00:36:08,410
+أن يعني يستفيد من هذه الفكرة أو من هذا المؤلف مرة
+
+356
+00:36:08,410 --> 00:36:14,130
+أخرى ذلك أن هذه الفكرة فكرة خاصة له ومن أحقه
+
+357
+00:36:14,130 --> 00:36:19,510
+بالاستفادة إذا كانت الاستفادة متجددة يعني من أحق
+
+358
+00:36:20,180 --> 00:36:25,140
+بمن بهذه الفائدة اللي بيزرع شجرة واحد يقوله انت
+
+359
+00:36:25,140 --> 00:36:29,580
+هذه السنة ايه بتاخد ثمارتها بعد هيك خلاص بيكفيك
+
+360
+00:36:29,580 --> 00:36:34,100
+انت ايش اللي تسويته انت زراعة البدرة احنا بعد هيك
+
+361
+00:36:34,100 --> 00:36:39,600
+لنا لناس تانين بدنا نعطيه للي اجا بس ايش للي اجا
+
+362
+00:36:39,600 --> 00:36:48,530
+سجاها ولا للي اجا رش عليها شوية كيماوي بينفع؟ لأفي
+
+363
+00:36:48,530 --> 00:36:52,870
+صاحب الشئ الأول و الحقيقي هو اللي أحط به تقول لي
+
+364
+00:36:52,870 --> 00:36:57,930
+طب إيش هيخسرك؟ الله إيش هيخسرني؟ طب ما هي مش
+
+365
+00:36:57,930 --> 00:37:00,110
+هيخسرني لكن هيضرني
+
+366
+00:37:18,830 --> 00:37:23,030
+يعني في الوضع الطبيعي انه انا ممكن ابيعه اربح في
+
+367
+00:37:23,030 --> 00:37:27,470
+عشرة شكل، لكن لو غليت ال .. ال .. الأسعار و جاب
+
+368
+00:37:27,470 --> 00:37:32,570
+ميت شكل، واحد يقولي والله انت هيك ربحت كتير، لأ،
+
+369
+00:37:32,570 --> 00:37:37,490
+من حق و لذلك في الاسلام حتى ليس هناك سقف للربحما
+
+370
+00:37:37,490 --> 00:37:41,550
+لم يكن استغلالا إذا انت بتبيع الشيء بحقه يعني
+
+371
+00:37:41,550 --> 00:37:47,590
+طبيعة الظرف العرض و الطلب و الإنتاج و المنتجات هي
+
+372
+00:37:47,590 --> 00:37:53,150
+اللي رفعت الأسعار مش احتكرت انا ولا استغلت طبيعي
+
+373
+00:37:53,150 --> 00:37:57,670
+الأمور انا شريت أرض قبل مثلا عشر سنين بعشرة ألف
+
+374
+00:37:57,670 --> 00:38:01,350
+دنار اليوم حاجة مائة ألف دنار حد بيجي يقول بيبيع
+
+375
+00:38:01,350 --> 00:38:07,770
+بعشرين يا عم مكفي الضعف ولا بتلاتينليش؟ ولا هذا لا
+
+376
+00:38:07,770 --> 00:38:12,230
+يسبب لك خسارة؟ لا يسبب لي خسارة صحيح لكنه يسبب لي
+
+377
+00:38:12,230 --> 00:38:17,050
+ضررا يعني بشكل او باخر لأن انا لو قرت ان ابيع او
+
+378
+00:38:17,050 --> 00:38:22,010
+اشتري قطعة اخرى لا استطيع انا بخسر بشكل يعني على
+
+379
+00:38:22,010 --> 00:38:28,390
+كل الأحوال كل هذه المناقشات يعنياستطاع يعني توصلنا
+
+380
+00:38:28,390 --> 00:38:36,210
+او نتوصل من خلالها على ان القول الراجح هو ايه؟ هو
+
+381
+00:38:36,210 --> 00:38:42,370
+القول الأول وأيد كل هذا مجلس مجمع الفقه الإسلامي
+
+382
+00:38:42,370 --> 00:38:51,830
+الذي يعني أجازةفي كلامه او في نصوصه اخذ حقوق
+
+383
+00:38:51,830 --> 00:38:57,430
+الابتكار والتأليف من ضمنها عندما قال حقوق التأليف
+
+384
+00:38:57,430 --> 00:39:03,250
+اول واحدة حقوق التأليف والاختراع والابتكار مصونة
+
+385
+00:39:03,250 --> 00:39:08,790
+شوف كلمة مصونة ممنوع حد يمسها يعني مصونة مصونة
+
+386
+00:39:08,790 --> 00:39:17,580
+شرعا لاصحابهاو يحق لهم التصرف فيها ولا يجوز
+
+387
+00:39:17,580 --> 00:39:26,520
+الاعتداء عليها كنا نريد أن نتحدث عن براية الاختراع
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zhdkI6loo_0.srt b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zhdkI6loo_0.srt
new file mode 100644
index 0000000000000000000000000000000000000000..a010ae5ad0dce184101d383605078a9c875df197
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zhdkI6loo_0.srt
@@ -0,0 +1,1382 @@
+1
+00:00:21,990 --> 00:00:25,850
+بسم الله الرحمن الرحيم الحمد لله والصلاة والسلام
+
+2
+00:00:25,850 --> 00:00:29,530
+على رسول الله وعلى آله وصحبه ومن اقتدى بهديه
+
+3
+00:00:29,530 --> 00:00:35,630
+واستنى بصناته إلى يوم الدين. وبعد، نواصل حديثنا حول
+
+4
+00:00:35,630 --> 00:00:42,450
+موضوع التأمين. كنا في المرة السابقة، ربما أو المرات
+
+5
+00:00:42,450 --> 00:00:47,830
+السابقة، تحدثنا عن التأمين بشكل عام، التأمين كفكرة
+
+6
+00:00:47,830 --> 00:00:57,000
+ونظام. ثم تحدثنا بعد ذلك عن التأمين من حيث أنواعه في
+
+7
+00:00:57,000 --> 00:01:04,320
+الجملة. وقلنا بأن التأمين ينقسم إلى ثلاثة أنواع:
+
+8
+00:01:04,320 --> 00:01:10,120
+تأمين تعاوني، تأمين تبادلي، تأمين تجاري. تحدثنا عن
+
+9
+00:01:10,120 --> 00:01:15,620
+النوعين الأول والثاني، التأمين التعاوني والتأمين
+
+10
+00:01:15,620 --> 00:01:20,140
+التبادلي. قلنا بأن التأمين التعاوني هو ذلك التأمين
+
+11
+00:01:20,140 --> 00:01:28,480
+الذي تقوم به وترعاه الدولة  لنحو موظفيها وعمالها. وهذا
+
+12
+00:01:28,480 --> 00:01:37,100
+التأمين، أي التأمين التعاوني، له وجوه وصور كثيرة مثل
+
+13
+00:01:37,100 --> 00:01:44,280
+التأمينات والمعاشات، التأمين ضد الشيخوخة
+
+14
+00:01:44,280 --> 00:01:48,140
+والعجز، التأمين ضد البطالة، التأمين الصحي. كل هذه
+
+15
+00:01:48,140 --> 00:01:58,760
+صور من صور التأمين تقوم بها الدولة رعاية واحتماءًا
+
+16
+00:01:58,760 --> 00:02:09,840
+وتأمينًا على موظفيها وعمالها. والنوع
+
+17
+00:02:09,840 --> 00:02:16,540
+الثاني هو التأمين التبادلي، وهو ذلك التأمين الذي
+
+18
+00:02:16,540 --> 00:02:24,950
+تقوم به جمعيات، جمعيات خيرية فيما بينها، سواء طبعًا
+
+19
+00:02:24,950 --> 00:02:30,470
+جمعيات هي مكونة من أفراد، سواء هذه الجمعيات مكونة
+
+20
+00:02:30,470 --> 00:02:36,820
+من أفراد السكنة أو الحي أو البلدة أو القرية الواحدة،
+
+21
+00:02:36,820 --> 00:02:44,840
+الذين بالطبع يتهددهم خطر معين، فيتوافقون على أن
+
+22
+00:02:44,840 --> 00:02:50,840
+يجمع كل واحد منهم مبلغًا من المال، حتى إذا لحق أحدهم
+
+23
+00:02:50,840 --> 00:02:57,210
+أو بعضهم هذا الخطر، قاموا بتعويضه من هذا. إذا البيت
+
+24
+00:02:57,210 --> 00:03:02,670
+انهدم،  يا ابننا له بيته، إذا أصيب بمرض، إذا كان الخطر
+
+25
+00:03:02,670 --> 00:03:09,530
+المتفق عليه هو المرض، عالجوه، أو إذا بترت، يعني إذا
+
+26
+00:03:09,530 --> 00:03:17,610
+تعرضوا لخطر معين، قاموا بتعويضه من هذا ال... أو
+
+27
+00:03:17,610 --> 00:03:22,790
+ربما يكون اتفاق أفراد أو جمعية من أفراد المهنة
+
+28
+00:03:22,790 --> 00:03:31,010
+الواحدة أو الحرفة الواحدة، الذين أيضًا يتعرضون لخطر
+
+29
+00:03:31,010 --> 00:03:34,870
+وليست لهم من يؤمّنهم، وهذا غالبًا ما يكون في القطاع
+
+30
+00:03:34,870 --> 00:03:35,430
+الخاص.
+
+31
+00:03:38,220 --> 00:03:43,640
+ولا تكون الدولة فيه متابعة، لأن الأصل يا إخوان أن
+
+32
+00:03:43,640 --> 00:03:47,400
+الدولة، حتى القطاع الخاص بالنسبة للأعمال التي
+
+33
+00:03:47,400 --> 00:03:50,880
+يشتغلون فيه، أشياء خاطئة أن تتابعهم، لكن قد يحدث
+
+34
+00:03:50,880 --> 00:03:54,160
+هذا أحيانًا في بعض الدول، لا تقوم الدولة بمتابعة
+
+35
+00:03:54,160 --> 00:03:55,720
+القطاع الخاص.
+
+36
+00:03:58,600 --> 00:04:03,940
+فاستشعارًا بالخطر وتحقيقًا للمصلحة، يقومون بتكوين
+
+37
+00:04:03,940 --> 00:04:10,020
+جمعيات لأنفسهم،  تؤمّن لهم من الخطر والضرر الذي
+
+38
+00:04:10,020 --> 00:04:15,280
+قد يلحق ببعضهم. وهذه أيضًا الجمعيات يا إخوان، تلحق
+
+39
+00:04:15,280 --> 00:04:22,580
+بالجمعيات التعاونية، وهي إيه التبادلية هذه؟ تلحق
+
+40
+00:04:22,580 --> 00:04:27,620
+بالجمعيات التعاونية من حيث مشروعيتها، هي تختلف
+
+41
+00:04:27,620 --> 00:04:31,840
+قليلًا، هذه ترعاها الدولة وهذه تقوم بها مؤسسة، يعني
+
+42
+00:04:31,840 --> 00:04:37,500
+جمعيات، أفراد، لكن من حيث الحكم الشرعي، كل هذا
+
+43
+00:04:37,500 --> 00:04:42,680
+يُعتبر شكلًا من أشكال التعاون الذي تقره الشريعة
+
+44
+00:04:42,680 --> 00:04:46,680
+الإسلامية، انطلاقًا من قوله تعالى: "وتعاونوا على البر
+
+45
+00:04:46,680 --> 00:04:52,890
+والتقوى ولا تعاونوا على الإثم والعدوان". الجمعيات
+
+46
+00:04:52,890 --> 00:04:58,590
+يا إخوان، أو التأمين التبادلي على وجه الخصوص، يتميز
+
+47
+00:04:58,590 --> 00:05:05,010
+بعدة مميزات، أنه وحتى التأمين التعاوني، ربما يكون
+
+48
+00:05:05,010 --> 00:05:13,300
+كذلك، أن المؤمِّن والمؤمَّن لهما واحد، يعني المؤمِّن هو
+
+49
+00:05:13,300 --> 00:05:18,460
+نفسه المؤمَّن له، كطرف وطرف، يعني حتى الدولة، الدولة
+
+50
+00:05:18,460 --> 00:05:24,220
+ليست طرفًا، هي منظم، وإنما مجموعة الموظفين هم مؤمّنون
+
+51
+00:05:24,220 --> 00:05:33,280
+ومؤمَّنون، الدولة تدفع من أموالها الخاصة لهؤلاء
+
+52
+00:05:33,280 --> 00:05:38,940
+الموظفين. ما يميز الجمعيات أو التأمين التعاوني، هو
+
+53
+00:05:38,940 --> 00:05:44,640
+بدلًا، أقل، المؤمِّن والمؤمَّن له طرف واحد. ما يميزه أيضًا
+
+54
+00:05:44,640 --> 00:05:50,280
+كما قلنا من قبل، أنه ليس مشروعًا استثماريًا كما هو
+
+55
+00:05:50,280 --> 00:05:51,600
+الحال في التأمين التجاري.
+
+56
+00:05:56,820 --> 00:06:06,060
+وما يميزه كذلك، بالإضافة إلى كونه ليس تجاريًا، وكذلك ليس
+
+57
+00:06:06,060 --> 00:06:10,620
+من قبيل الشركات المساهمة التي تهدف إلى تحقيق
+
+58
+00:06:10,620 --> 00:06:19,340
+الأرباح. يمكن أن نقول أو نصفه بأنه جمعيات تعاونية
+
+59
+00:06:19,340 --> 00:06:28,660
+مشروعة بامتياز، فليس فيها ما يشوبها من شوائب تجعلنا
+
+60
+00:06:28,660 --> 00:06:34,660
+نتردد في القول بمشروعيتها.
+
+61
+00:06:34,660 --> 00:06:42,940
+لأنها من قبيل التعاون والتبرع المحض. الآن هذا
+
+62
+00:06:42,940 --> 00:06:48,820
+تحدثنا عنه فيما سبق. لننتقل إلى النوع الثالث والأهم،
+
+63
+00:06:50,310 --> 00:06:54,030
+الذي هو التأمين التجاري. يعني إذا كان التأمين
+
+64
+00:06:54,030 --> 00:06:59,350
+التعاوني والتبادلي مشروع، وهناك اتفاق أو يكاد يكون
+
+65
+00:06:59,350 --> 00:07:03,850
+هناك اتفاق على مشروعيتها، فإن التأمين التجاري، كما
+
+66
+00:07:03,850 --> 00:07:11,050
+سنراه فيما بعد، أنه محل خلاف بين علماء المسلمين من
+
+67
+00:07:11,050 --> 00:07:15,830
+حيث المشروعية وعدم المشروعية. لكن قبل أن نصل إلى
+
+68
+00:07:15,830 --> 00:07:23,270
+الحكم أو رأي العلماء وآدلتّهم، يعني، يعني نعود لنتحدث
+
+69
+00:07:23,270 --> 00:07:29,670
+أولًا عن طبيعة وحقيقة التأمين التجاري، مرورًا بنشأته،
+
+70
+00:07:29,670 --> 00:07:37,650
+ثم عناصره وخصائصه. يعني كل هذا يؤهّل أو يمهّد أولًا
+
+71
+00:07:37,650 --> 00:07:48,170
+للحديث عن حكمه بعد ذلك، وهو مقصدنا الرئيسي. التأمين
+
+72
+00:07:48,170 --> 00:07:54,150
+التجاري أيها الأخوة الكرام، إحنا
+
+73
+00:07:54,150 --> 00:08:01,610
+قلنا في الجملة، المرة اللي فاتت ربما، أن التأمين له
+
+74
+00:08:01,610 --> 00:08:07,970
+تعريفان: كفكرة وكعقد. تعريفه كعقد هو تعريف التأمين
+
+75
+00:08:07,970 --> 00:08:16,510
+التجاري حقيقةً، وهو أنه عقد يتعهد بمقتضاه... يتعهد
+
+76
+00:08:16,510 --> 00:08:25,650
+بمقتضاه شخص أو طرف يُسمى بالمؤمِّن، ويتعهد بمقتضاه
+
+77
+00:08:25,650 --> 00:08:32,010
+المؤمِّن على ماذا؟ يتعهد بأن يعوّض طرفًا آخر أو شخصًا
+
+78
+00:08:32,010 --> 00:08:43,690
+آخر مبلغًا من المال حال حدوث خطر أو الخطر المتفق
+
+79
+00:08:43,690 --> 00:08:50,230
+عليه. الشخص الثاني طبعًا يا إخوان الذي سيعوّض عند
+
+80
+00:08:50,230 --> 00:08:55,970
+وقوع الخطر، هذا اسمه المؤمَّن له. إنما يقوم المؤمِّن
+
+81
+00:08:55,970 --> 00:09:01,820
+بتعويضه مقابل ماذا؟ مقابل أقساط يدفعها هذا الشخص
+
+82
+00:09:01,820 --> 00:09:07,080
+المؤمَّن له والذي يتعرّض أو قد يتعرّض للخطر، مقابل
+
+83
+00:09:07,080 --> 00:09:13,840
+أقساط يدفعها للمؤمِّن. إمّا أن تكون هذه الأقساط
+
+84
+00:09:13,840 --> 00:09:19,820
+جملة واحدة يدفعها، أو أقساط شهريًا أو سنويًا بحسب
+
+85
+00:09:19,820 --> 00:09:30,850
+الاتفاق. هذه طبيعة عقد التأمين التجاري، طرفان
+
+86
+00:09:30,850 --> 00:09:33,390
+متعاقدان.
+
+87
+00:09:36,050 --> 00:09:42,490
+يتعهد بدفع مال للطرف الآخر عند وقوعه في الخطر،
+
+88
+00:09:42,490 --> 00:09:49,470
+مقابل أن يقوم الطرف الآخر، أي المؤمَّن له، بدفع أقساط
+
+89
+00:09:49,470 --> 00:09:53,390
+جملة
+
+90
+00:09:53,390 --> 00:09:59,370
+واحدة أو متفرقة للمؤمِّن.
+
+91
+00:10:01,310 --> 00:10:07,150
+هذا أيها الأخوة، التأمين التجاري الذي نراه اليوم،
+
+92
+00:10:07,150 --> 00:10:14,870
+ويتم التعاقد عليه من قبل شركات التأمين التي عمت
+
+93
+00:10:14,870 --> 00:10:18,650
+وانتشرت في كل البلدان، وفي كل الأوساط، وفي كل
+
+94
+00:10:18,650 --> 00:10:26,150
+المجالات. يعني قبل أن نتحدث عن عناصره وخصائصه فقط،
+
+95
+00:10:26,150 --> 00:10:28,850
+يعني نمر بإيجاز،
+
+96
+00:10:31,280 --> 00:10:35,580
+فنتحدث عن نشأته، عن تطوره إلى أن وصل إلى ما وصل
+
+97
+00:10:35,580 --> 00:10:40,420
+إليه اليوم. يمكن إحنا في بداية حديثنا عن التأمين
+
+98
+00:10:40,420 --> 00:10:48,500
+بشكل عام، عشرنا قليلًا إلى نشأة التأمين، ولكن يمكن
+
+99
+00:10:48,500 --> 00:10:52,440
+إحنا تكلمنا بشكل عام، لكن إحنا بالنسبة للتأمين
+
+100
+00:10:52,440 --> 00:10:59,580
+التجاري على وجه الخصوص يا إخوان، نستطيع
+
+101
+00:10:59,580 --> 00:11:07,940
+أن نقول أن التأمين التجاري وإن كان اليوم قد أصبح
+
+102
+00:11:07,940 --> 00:11:15,160
+ظاهرة وقضية معاصرة، والمسلمون يتساءلون عن حكمه، إلا
+
+103
+00:11:15,160 --> 00:11:27,840
+أنه في حقيقة الأمر قد وجدت جذوره منذ قرون عديدة، منذ
+
+104
+00:11:27,840 --> 00:11:34,060
+قرون عديدة، ولكن ربما لم توجد يعني على هذه الصورة
+
+105
+00:11:34,060 --> 00:11:39,400
+التي نراها اليوم، ولم توجد خاصة عند المسلمين. وقد
+
+106
+00:11:39,400 --> 00:11:42,940
+عرفنا لماذا لم يوجد عقد التأمين التجاري عند
+
+107
+00:11:42,940 --> 00:11:47,340
+المسلمين، على اعتبار أن الإسلام كان هو عبارة عن
+
+108
+00:11:47,340 --> 00:11:51,620
+مظلة تأمين شاملة وكاملة لكل الأخطار
+
+109
+00:11:51,620 --> 00:11:58,100
+والأضرار التي واجهها الناس في حياتهم. ولذلك كان ظاهرًا
+
+110
+00:11:58,100 --> 00:12:03,920
+بوضوح عند غير المسلمين، إلى أن، يعني آخر من وصلت
+
+111
+00:12:03,920 --> 00:12:08,740
+إليهم عقود التأمين هم المسلمون في أواخر القرن
+
+112
+00:12:08,740 --> 00:12:15,980
+التاسع عشر. لكن لو نظرنا نظرة في عمق التاريخ، سنجد
+
+113
+00:12:15,980 --> 00:12:24,800
+أن التأمين بصوره المختلفة القديمة قد وجدت قديمًا،
+
+114
+00:12:24,800 --> 00:12:31,020
+ويُذكر أنه حتى، يعني أنها وجدت قبل، قبل الميلاد في
+
+115
+00:12:31,020 --> 00:12:36,540
+صور كثيرة. طبعًا يا إخوان، قبل أن أذكر بعض المحطات
+
+116
+00:12:36,540 --> 00:12:41,760
+التي تُدلل على تطور التأمين، أريد أن أقول إن
+
+117
+00:12:41,760 --> 00:12:48,150
+الإنسان بطبيعته، يعني كما قلنا المرة الماضية، منذ
+
+118
+00:12:48,150 --> 00:12:53,950
+وجوده على هذه الأرض، ومنذ خلقه، بداية خلقه الأول،
+
+119
+00:12:53,950 --> 00:13:01,330
+وهو يبحث عن الأمن والأمان. الإنسان بطبيعته، أينما
+
+120
+00:13:01,330 --> 00:13:10,250
+حلّ وأينما كان، يبحث عن الأمان. ولذلك، يعني يقولون
+
+121
+00:13:10,250 --> 00:13:16,550
+مقولة معروفة: "الإنسان اجتماعي بطبعه". يعني يبحث عن
+
+122
+00:13:16,550 --> 00:13:20,130
+الجماعة، هو ليش بيبحث عن الجماعة؟ بحثًا عن الأمن
+
+123
+00:13:20,130 --> 00:13:26,290
+والأمان. الإنسان لما يكون منفردًا، يعني يشعر بالقلق،
+
+124
+00:13:26,290 --> 00:13:32,710
+يشعر بالخوف من المهددات من حوله، من المهددات من
+
+125
+00:13:32,710 --> 00:13:40,220
+حوله. كل زمان بزمنه، يعني أو بحسبه، كل زمان وكل مكان له
+
+126
+00:13:40,220 --> 00:13:43,780
+مهدداته. الذي يعيش في الغابة له مهدداته، والذي
+
+127
+00:13:43,780 --> 00:13:46,480
+يعيش في البحر له مهدداته، والذي يعيش في البر،
+
+128
+00:13:46,480 --> 00:13:49,620
+و الذي يعيش في فترة الحرب له مهدداته، والذي يعيش
+
+129
+00:13:49,620 --> 00:13:57,300
+في فترة السلم، كل يعني فئة من الناس يشعرون بمهددات
+
+130
+00:13:57,300 --> 00:14:05,420
+وأخطار، يعملون على تلافيها وتفاديها بكل شكل من
+
+131
+00:14:05,420 --> 00:14:12,820
+الأشكال. الإنسان لماذا ابتدأ، يعني اهتم بوجود أو
+
+132
+00:14:12,820 --> 00:14:16,740
+بأن ينتمي إلى أسرة، الأسرة التي هي أول مكوّن
+
+133
+00:14:16,740 --> 00:14:23,380
+اجتماعي، هي أول... يمكن أن نقول أول محطة أمان،
+
+134
+00:14:23,380 --> 00:14:28,770
+يشعر بها الإنسان في... في... في حياته منذ طفولته
+
+135
+00:14:28,770 --> 00:14:34,510
+وحتى في صباه وشبابه. يعني أول محطة أمان، المنزل الذي
+
+136
+00:14:34,510 --> 00:14:40,090
+يبنيه، البيت، سواء كان كهفًا أو خيمة أو شقة أو إلى
+
+137
+00:14:40,090 --> 00:14:45,190
+غير ذلك، هو أيضًا محل أمان، يقنّيه ويحميه سواء من
+
+138
+00:14:45,190 --> 00:14:48,410
+كوارث الطبيعة أو من الحيوانات الضارية أو من
+
+139
+00:14:48,410 --> 00:14:54,320
+الأعداء أو أو إلى غير ذلك. كل هذه محطات أمان. عندما
+
+140
+00:14:54,320 --> 00:15:00,720
+يكونوا، حتى عندما ينتمون لعشيرة أو قبيلة، يحملون
+
+141
+00:15:00,720 --> 00:15:09,350
+السلاح، يدافعون عنها، أو دولة، حتى أيضًا هو من باب تحقيق
+
+142
+00:15:09,350 --> 00:15:15,110
+الأمان والأمن. الإنسان بطبيعته عبر التاريخ يبحث عن
+
+143
+00:15:15,110 --> 00:15:22,130
+الأمن والأمان، ويلتمس كل وسيلة تعمل أو تحقق له
+
+144
+00:15:22,550 --> 00:15:28,730
+هذا الأمر، سواء كان هذا الأمن والأمان متعلقًا
+
+145
+00:15:28,730 --> 00:15:35,190
+بحياته أو بأمواله أو بعرضه أو بأي مجال من مجالات
+
+146
+00:15:35,190 --> 00:15:42,330
+الحياة. ويعني، دعني أقول أن فكرة التأمين هي فكرة
+
+147
+00:15:42,330 --> 00:15:50,900
+ملازمة للإنسان، ولكنها تطورت بحسب احتياجاته والمعطيات
+
+148
+00:15:50,900 --> 00:15:56,780
+والتطورات المُستحدثة في كل عصر. لما صار فيه شوية
+
+149
+00:15:56,780 --> 00:16:00,800
+تطور، يعني ما كانش طبعًا في السنين الأولى لخلق
+
+150
+00:16:00,800 --> 00:16:07,020
+الإنسان، لا حاجة لتأمين بحري ولا بري، ولا حاجة، كان
+
+151
+00:16:07,020 --> 00:16:13,070
+الأمان أنه يبنيله الكهف أو الخيمة أو البيت الصغير
+
+152
+00:16:13,070 --> 00:16:20,130
+من حجر وطين أو أي حاجة، ويقيم أسرته ويعني، يدبّب
+
+153
+00:16:20,130 --> 00:16:25,990
+من... من... من... من... من... من الأشجار، يعني نوعًا
+
+154
+00:16:25,990 --> 00:16:29,730
+من أنواع السلاح، يعني الخشبة نفسها تكون مدببة أو من
+
+155
+00:16:29,730 --> 00:16:34,130
+الأحجار، أو ليحمي بها أنفسهم. هذه كانت هي يعني
+
+156
+00:16:34,130 --> 00:16:38,210
+مسوغات الأمن والأمان. لكن بعد ذلك، بعض التطورات، وبعد
+
+157
+00:16:38,210 --> 00:16:41,050
+ما صار فيه تجارات وعلاقات بين الدول و
+
+158
+00:16:41,050 --> 00:16:47,230
+الجماعات والبلدان والقبائل، يعني، وصار فيه أطماع
+
+159
+00:16:47,230 --> 00:16:51,590
+من قبل البشر لبعضهم لبعض، واعتداءات وإلى غير ذلك،
+
+160
+00:16:51,590 --> 00:16:57,970
+صار يبحث عن وسائل أخرى لتأمين نفسه وتأمين أمواله
+
+161
+00:16:57,970 --> 00:17:02,970
+وتأمين بضاعته. يعني يُذكر مثلًا قديمًا، كما نعرف يا
+
+162
+00:17:02,970 --> 00:17:10,760
+أخوات، العبيد كانوا عبارة عن أموال، يبيعون ويشترون، أو
+
+163
+00:17:10,760 --> 00:17:17,440
+يشترون. ف... يعني وكانت، يعني معاملة العبيد يا إخوان
+
+164
+00:17:17,440 --> 00:17:21,320
+في... في عند غير المسلمين خاصة أو قبل الإسلام،
+
+165
+00:17:21,320 --> 00:17:26,720
+وعبر التاريخ، معاملة قاسية، العبيد يُعاملون كما
+
+166
+00:17:26,720 --> 00:17:32,660
+الحيوانات. الأمر الذي ترتب عليه أن عددًا كبيرًا منهم
+
+167
+00:17:32,660 --> 00:17:42,370
+كان يهرب، يهرب من سيده، من قسوة العمل، من قسوة الأوامر،
+
+168
+00:17:42,370 --> 00:17:49,430
+من قسوة المعاملة. هذا تَفَتّق عنه ما، ده أن أصحاب
+
+169
+00:17:49,430 --> 00:17:55,470
+العبيد الآبقين، يعني الهاربين، صاروا يفكرون عن وسيلة،
+
+170
+00:17:55,470 --> 00:18:03,110
+كيف إحنا ممكن نستردّ تكلفة أو تستردّ جمعيات، جمعيات
+
+171
+00:18:03,1
+
+223
+00:23:14,620 --> 00:23:21,290
+التأمين حتى لا يكون هناك ظلم من أحد على أحد
+
+224
+00:23:21,290 --> 00:23:25,130
+وغالبا ما يكون الظلم من قبل شركات التأمين لأنها صاحبة
+
+225
+00:23:25,130 --> 00:23:29,870
+المال، وهي القادرة، وهي التي... ولذلك يا
+
+226
+00:23:29,870 --> 00:23:33,490
+أخوة، عقود التأمين كما سنعرف بعد قليل تسمى عقود
+
+227
+00:23:33,490 --> 00:23:41,890
+إعداد بين طرفين، أحدهما قوي والآخر ضعيف. ظل هذا يا
+
+228
+00:23:41,890 --> 00:23:46,820
+أخوة، لحظة يا أخوة، كل هذا كان يحدث في أوروبا بعقود
+
+229
+00:23:46,820 --> 00:23:52,120
+التأمين المختلفة، وبفضل الله، عندنا كمسلمين ما كانش
+
+230
+00:23:52,120 --> 00:23:57,220
+فيه أي صورة، لأنه في ذلك الوقت الذي كانت تعيش فيه
+
+231
+00:23:57,220 --> 00:24:03,390
+أوروبا في نوع من الظلمات والقهر والقسوة والظلم، كان
+
+232
+00:24:03,390 --> 00:24:09,550
+المسلمون يعيشون في ظل الشريعة الإسلامية السمحاء
+
+233
+00:24:09,550 --> 00:24:17,530
+العادلة التي تمد يد العون والمساعدة للناس جميعا
+
+234
+00:24:17,530 --> 00:24:21,650
+عشان ناسها فيها في أمان واستقرار
+
+235
+00:24:25,440 --> 00:24:29,700
+في أواخر القرن التاسع عشر، كما قلت قبل قليل، وبعد أن
+
+236
+00:24:29,700 --> 00:24:34,540
+بدأت الدولة الإسلامية تتخلى عن مسؤولياتها وضعفت
+
+237
+00:24:34,540 --> 00:24:43,670
+ومرضت حتى سميت آخر يعني محطات خلافة بني عثمان، الرجل
+
+238
+00:24:43,670 --> 00:24:52,990
+المريض. يعني الآن بدأت تتسلل فكرة التأمين وعقود
+
+239
+00:24:52,990 --> 00:24:58,630
+التأمين إلى البلدان الإسلامية، وبعدها كما قلت ظهر
+
+240
+00:24:58,630 --> 00:25:06,050
+أو قام العلماء ببيان أحكامها، وهذا الذي عرفنا أنه
+
+241
+00:25:06,050 --> 00:25:12,840
+اليوم أنها بالفعل هذه الفكرة وهذه العقود دخلت
+
+242
+00:25:12,840 --> 00:25:17,980
+إلى البلدان العربية والإسلامية في أواخر القرن
+
+243
+00:25:17,980 --> 00:25:27,700
+التاسع عشر. طيب، هذا بالنسبة لنشر التأمين بإيجاز. إلى
+
+244
+00:25:27,700 --> 00:25:33,960
+أن ننتقل إلى طبعا يا أخوات، لكن يعني لو لاحظنا اليوم
+
+245
+00:25:33,960 --> 00:25:39,040
+سنجد أن التأمين التجاري يعني توسع توسعا كبيرا
+
+246
+00:25:39,040 --> 00:25:47,790
+وانتشر انتشارا واسعا في كل المجالات. لننتقل الآن إلى
+
+247
+00:25:47,790 --> 00:25:54,170
+العناصر الرئيسية التي يتكون منها التأمين التجاري
+
+248
+00:25:54,170 --> 00:25:59,290
+بعد أن عرفنا ما هو التأمين ونشأته. أما بالنسبة
+
+249
+00:25:59,290 --> 00:26:04,110
+للعناصر التأمين التجاري يا أخوة، أو عقد التأمين
+
+250
+00:26:04,110 --> 00:26:10,990
+التجاري، يتكون من سبعة عناصر. إذا اختل أي عنصر من
+
+251
+00:26:10,990 --> 00:26:13,210
+هذه العناصر، لا
+
+252
+00:26:15,530 --> 00:26:23,190
+يتم أو لا ينعقد عقد التأمين. عناصر سبعة، العنصر
+
+253
+00:26:23,190 --> 00:26:27,110
+الأول هو
+
+254
+00:26:27,110 --> 00:26:33,390
+المؤمّن. العنصر الأول هو المؤمّن، واحنا جميعا عرفنا
+
+255
+00:26:33,390 --> 00:26:42,210
+مين هو المؤمّن؟ إذًا، المؤمّن وهو الجهة التي تلتزم
+
+256
+00:26:43,780 --> 00:26:49,020
+بدفع مبلغ التعويض عن الخطر أو الضرر الذي لحق
+
+257
+00:26:49,020 --> 00:26:55,680
+بالمؤمَن له والمتفق عليه. المؤمّن اللي هي تمثل وشركة
+
+258
+00:26:55,680 --> 00:26:58,880
+طبعا، كان فردا في الماضي، زمان كان ممكن يكون فردا، و
+
+259
+00:26:58,880 --> 00:27:03,200
+اليوم شركات. بغض النظر عن ما إذا كان فردا أو كان
+
+260
+00:27:03,200 --> 00:27:11,000
+شركة، المهم الطرف الذي يلتزم بدفع المبلغ، مبلغ إيش؟
+
+261
+00:27:11,000 --> 00:27:15,460
+مبلغ التأمين عن الضرر الذي لحق بالمؤمَن له، طبعا
+
+262
+00:27:15,460 --> 00:27:20,040
+مقابل... إذا لازم يكون فيه... بدون مؤمّن هل
+
+263
+00:27:20,040 --> 00:27:25,560
+تتصورون قوة عقد التأمين؟ طبعا لازم، واحد المؤمّن،
+
+264
+00:27:25,560 --> 00:27:33,070
+اثنين على طول، المؤمّن. أو هو الطرف الآخر، الطرف
+
+265
+00:27:33,070 --> 00:27:39,830
+الآخر الذي يلتزم بدفع مبلغ من المال مقابل تعويضه
+
+266
+00:27:39,830 --> 00:27:45,950
+أو مقابل تعهد بتعويضه عند وقوع الضرر المتفق عليه
+
+267
+00:27:45,950 --> 00:27:54,790
+بين المؤمّن والمؤمَن له. إذًا، المؤمّن يلتزم بمبلغ
+
+268
+00:27:54,790 --> 00:28:00,210
+التعويض عند وقوع ضرر، المؤمَن له يلتزم بدفع أقساط
+
+269
+00:28:00,210 --> 00:28:06,490
+مقابل التعهد، وقع ضرر أو لم يقع، دي نقاط كثيرة اللي
+
+270
+00:28:06,490 --> 00:28:10,890
+بتخلي عقد التأمين محل نظر في مشروعِيّته. المؤمّن لو بده
+
+271
+00:28:10,890 --> 00:28:21,010
+يدفع للمؤمَن له مبلغا ثابتا غير مسترد، بغض النظر وقع
+
+272
+00:28:21,010 --> 00:28:29,950
+الخطر أو لم يقع. ثالثا اللي هو إيش؟ الصيغة أو
+
+273
+00:28:29,950 --> 00:28:38,810
+الإيجاب والقبول. يعني لابد... طيب، في مؤمّن وفي
+
+274
+00:28:38,810 --> 00:28:45,100
+... روحت أنا كمؤمَن له لشركة التأمين ولجأت للعقد
+
+275
+00:28:45,100 --> 00:28:48,820
+مش عاجبني مثلا أو كذا وفي... فوجد المؤمَن له و
+
+276
+00:28:48,820 --> 00:28:54,380
+وجد المؤمّن ولم يتم الإيجاب والقبول، هل يحدث؟ لابد
+
+277
+00:28:54,380 --> 00:29:01,380
+من توافق الصيغة أو الإيجاب والقبول هي التي تدل على
+
+278
+00:29:01,380 --> 00:29:07,040
+توافق المؤمّن والمؤمَن له على بنود العقد. وبدون صيغة
+
+279
+00:29:07,040 --> 00:29:15,540
+ما فيش من أي عقد تأمين، ولا عقد تأمين ولا أي عقد، أي
+
+280
+00:29:15,540 --> 00:29:19,200
+عقد من العقود. الصيغة يا أخوة ركن أساسي من أركان
+
+281
+00:29:19,200 --> 00:29:24,440
+العقود... من أركان العقود. عموما أي عقد من العقود
+
+282
+00:29:24,440 --> 00:29:29,960
+ركنه الأساسي هو الصيغة، اللي هو الإيجاب والقبول
+
+283
+00:29:29,960 --> 00:29:39,460
+وليس أي إيجاب وقبول، لابد أن يكون الإيجاب والقبول
+
+284
+00:29:39,460 --> 00:29:43,600
+متوافقين
+
+285
+00:29:43,600 --> 00:29:44,980
+متطابقين، يعني أن يوافق المؤمَن له على كل بنود في
+
+286
+00:29:47,330 --> 00:29:53,730
+العقد ويوقع على ذلك. لو قال له هذا البند أو هذا
+
+287
+00:29:53,730 --> 00:29:58,310
+ال بند مش عاجبني أو كذا، لا يتم. يعني أنا لأ، وفرضا
+
+288
+00:29:58,310 --> 00:30:02,990
+مع أن يا أخوة، طبعا في عقود التأمين على وجه الخصوص
+
+289
+00:30:02,990 --> 00:30:07,450
+ما فيش مجال للتفاوض، مش زي البيع والشراء ولا زي
+
+290
+00:30:07,450 --> 00:30:12,190
+الإيجار وغيره. يعني هي عقد التأمين كما سنرى أيضا
+
+291
+00:30:18,490 --> 00:30:23,670
+يعني بتكون شركة التأمين هي اليوم ربما بالتوافق مع
+
+292
+00:30:23,670 --> 00:30:30,350
+الدولة، يعني تضع هذه البنود وما على الطرف الآخر إلا
+
+293
+00:30:30,350 --> 00:30:36,790
+التوقيع أو عدم التوقيع، ما تجيش تناقش في البنود
+
+294
+00:30:36,790 --> 00:30:41,960
+الموجودة. ما فيش مجال للمناقشة، ولذلك يسمى عقد إذعان،
+
+295
+00:30:41,960 --> 00:30:49,300
+في نوع من أنواع الإختيار، لكن ما فيش مجال للتفاوض
+
+296
+00:30:49,300 --> 00:30:55,740
+فلذلك يا إخوة، التوافق يكون بقبول ما في العقد جملة
+
+297
+00:30:55,740 --> 00:31:06,600
+إذا قبل المؤمَن له بما في العقد وبنوده، تمت الصيغة أو
+
+298
+00:31:06,600 --> 00:31:14,100
+تمت الصيغة، لأن القبول قد وافق الإيجاب في هذه الحالة.
+
+299
+00:31:14,100 --> 00:31:21,500
+البند الرابع أو العنصر الرابع، المستفيد.
+
+300
+00:31:21,500 --> 00:31:25,640
+طيب احنا مش قولنا المؤمَن له هو المستفيد غير المؤمّن
+
+301
+00:31:25,640 --> 00:31:31,180
+له؟ ممكن المستفيد
+
+302
+00:31:31,180 --> 00:31:37,160
+قد يكون هو المؤمَن له وقد لا يكون. المستفيد قد يكون
+
+303
+00:31:37,160 --> 00:31:42,840
+هو هو المؤمَن له، لكن ممكن جدا... الآن يا أخوة، صاحب
+
+304
+00:31:42,840 --> 00:31:47,340
+المصنع، مش هو ممكن يأمن على العمال، مين المستفيد؟ هو
+
+305
+00:31:47,340 --> 00:31:51,820
+بيدفع، لكن المستفيد مين؟ العمال، في التأمينات
+
+306
+00:31:51,820 --> 00:31:55,980
+والمعاشات، أو في بعض التأمينات ممكن الواحد أنا بدفع
+
+307
+00:31:55,980 --> 00:31:59,340
+التأمين عشان خاطر زوجتي أو أولادي، هم اللي يستفيدوا.
+
+308
+00:31:59,340 --> 00:32:03,100
+ممكن المستفيد يكون الزوجة، الأولاد، الأب، الأم، الكذا
+
+309
+00:32:05,080 --> 00:32:11,400
+ممكن يكون المستفيد. فلابد من تحديد المستفيد في عقد
+
+310
+00:32:11,400 --> 00:32:15,460
+التأمين. عنصر مهم تحديده، مش بالضرورة أن اللي راح
+
+311
+00:32:15,460 --> 00:32:20,020
+تعاقد، المؤمَن له هو يكون المستفيد، ممكن يكون هو
+
+312
+00:32:20,020 --> 00:32:27,220
+وممكن يكون غيره، والعقد هو الذي يوضح ذلك طبعا.
+
+313
+00:32:27,220 --> 00:32:34,990
+بيجينا عندنا نمرة خمسة، مبلغ التأمين. شوفوا عليا،
+
+314
+00:32:34,990 --> 00:32:40,950
+طبعا لو احنا يا أخوة بدنا... بدنا ناخد الأمور
+
+315
+00:32:40,950 --> 00:32:46,430
+بظاهرها، مبلغ التأمين ينصرف على ما يدفعه، ما تدفعه
+
+316
+00:32:46,430 --> 00:32:52,250
+الشركة أو ما يدفعه المؤمَن له، لكن احنا بدنا نصطلح
+
+317
+00:32:53,510 --> 00:33:01,990
+على تسمية ما تدفعه الشركة من تعويض للمؤمَن له عند
+
+318
+00:33:01,990 --> 00:33:08,770
+وقوع الخطر، بمبلغ التأمين. مبلغ التأمين، إذا وإن كان
+
+319
+00:33:08,770 --> 00:33:13,750
+يصلح أن نسمي القصد مبلغ تأمين، لكن لا، احنا لأننا
+
+320
+00:33:13,750 --> 00:33:18,670
+نصطلح، نتوافق، عشان ما يبقى بكرة في الصح والغلط أو
+
+321
+00:33:18,670 --> 00:33:22,830
+في الامتحان أو في أي حاجة نكون عارفين. مبلغ التأمين
+
+322
+00:33:22,830 --> 00:33:29,490
+المبلغ الذي تدفعه الشركة أو المؤمّن للمؤمَن له أو
+
+323
+00:33:29,490 --> 00:33:35,080
+للمستفيد عند وقوع الخطر. عند وقوع الخطر، ولذلك اقتضت
+
+324
+00:33:35,080 --> 00:33:43,180
+الأمر أن نسمي ما يدفعه المؤمَن له بتسمية أخرى وهي
+
+325
+00:33:43,180 --> 00:33:49,160
+قسط التأمين. إذًا، مبلغ التأمين اللي بدفعه الشركة أو
+
+326
+00:33:49,160 --> 00:33:55,860
+المؤمّن، بيجينا إيش؟ قسط التأمين. وكويس يعني التسمية
+
+327
+00:33:55,860 --> 00:34:00,200
+هذه يعني إيه؟ ملائمة، مبلغ التأمين لأنه يدفع مرة
+
+328
+00:34:00,200 --> 00:34:05,700
+واحدة عادة عند التعويض. خلاص، بعد تقدير ثبوت الضرر
+
+329
+00:34:05,700 --> 00:34:10,180
+وتقديره، خمسين ألف، أربعين ألف، عشر تلاف، إتفضل أي
+
+330
+00:34:10,180 --> 00:34:15,840
+تعويض، لكن قسط التأمين عادة ما يدفع أقساطا ومن عدة
+
+331
+00:34:15,840 --> 00:34:21,760
+أشخاص، إيه؟ فإذًا قسط التأمين ما يدفعه المؤمَن له.
+
+332
+00:34:21,760 --> 00:34:33,230
+أخيرا، الخطر. بمعنى يا أخوة هنا الخطر المقصود به هذا
+
+333
+00:34:33,230 --> 00:34:40,830
+الحدث المحتمل الذي يتم التأمين عليه. احنا كل
+
+334
+00:34:40,830 --> 00:34:44,110
+العملية هذه اللي تمت من المؤمّن والمؤمَن له
+
+335
+00:34:44,110 --> 00:34:48,130
+و بالإيجاب والقبول وحددنا فيها من المستفيد وحددنا
+
+336
+00:34:48,130 --> 00:34:53,730
+فيها المبلغ، وحددنا فيها قسط التأمين، وتعهّد المؤمّن
+
+337
+00:34:53,730 --> 00:35:00,610
+بدفع المبلغ عند وقوع الخطر، عند وقوع الخطر.
+
+338
+00:35:00,610 --> 00:35:09,410
+لحظة، إذا الخطر هنا عنصر مهم من عناصر التأمين وهو
+
+339
+00:35:09,410 --> 00:35:14,930
+خطر، وهو حدث احتمالي، بمعنى لا يتم أيها الأخوة
+
+340
+00:35:14,930 --> 00:35:23,110
+التعاقد على خطر وقع، وإنما
+
+341
+00:35:23,110 --> 00:35:25,890
+على خطر متوقع.
+
+342
+00:35:27,580 --> 00:35:35,340
+لا يتم التعاقد في شركات التأمين على واحد انهدمت
+
+343
+00:35:35,340 --> 00:35:39,120
+داره ويروح يأمن عليها بعد ما انهارت، مش هينفع. واحد
+
+344
+00:35:39,120 --> 00:35:45,500
+مرض بعد ما مرض، واحد يعني اشتغل بدون تأمين وصار
+
+345
+00:35:45,500 --> 00:35:48,720
+انقطعت يده ويروح يأمن بعد ما انقطعت، مش هيضبط.
+
+346
+00:35:48,720 --> 00:35:57,560
+التأمين يتم على خطر محتمل، وليس على خطر حدث بالفعل.
+
+347
+00:35:57,560 --> 00:36:04,360
+وهذه أيضا أيها الأخوة، هذا العنصر سيشكل إشكالا
+
+348
+00:36:04,360 --> 00:36:09,620
+طبعا الخطر برضه ممكن يقع وممكن ما يقعش، لكن هم بتم
+
+349
+00:36:09,620 --> 00:36:14,320
+الاتفاق على نوعية الخطر أو الضرر الذي سيتم تعويضه
+
+350
+00:36:14,320 --> 00:36:19,560
+حالة وقوعه، فهو غير واقع الآن، قد يقع بعد ساعة، بعد
+
+351
+00:36:19,560 --> 00:36:27,890
+يوم، بعد سنة، وقد لا يقع. مرة خطر محتمل، حادث محتمل
+
+352
+00:36:27,890 --> 00:36:31,330
+وواضح
+
+353
+00:36:31,330 --> 00:36:38,710
+ومتفق عليه طبعا، يعني زي ما كنا... يعني كما... يعني
+
+354
+00:36:38,710 --> 00:36:47,790
+واحد بيأمن على... على نفسه في حال وفاته بأن... بأن
+
+355
+00:36:47,790 --> 00:36:50,590
+تُعطى... تُعطى زوجته وأولاده مبلغ من المال إذا
+
+356
+00:36:50,590 --> 00:36:56,150
+الخطر المحتمل هو إيش؟ الموت. الموت، مش عارفين متى، بعد
+
+357
+00:36:56,150 --> 00:37:00,450
+ما يموت، بده ييجي يأمن، مش هينفع، مش هتظبط الأمور.
+
+358
+00:37:00,450 --> 00:37:07,630
+ولذلك في... في حاجة... في غرض، في حاجة... في نوع
+
+359
+00:37:07,630 --> 00:37:13,950
+مقامرة، آه في ال... في العملية بتصير. وقتيش؟ طب هو
+
+360
+00:37:13,950 --> 00:37:18,390
+هيموت وقتيش؟ على الستين ولا على السبعين ولا هيعيش مئة
+
+361
+00:37:18,390 --> 00:37:24,140
+وعشرين؟ كله له حساباته. هو هيمرض ولا مش هيمرض؟ هو
+
+362
+00:37:24,140 --> 00:37:29,090
+هيعمل حادث ولا مش هيعمل حادث؟ لكن هو الحقيقة يا
+
+363
+00:37:29,090 --> 00:37:34,510
+أخوة، أنا أقول هنا أن الجمعيات أو شركات التأمين
+
+364
+00:37:34,510 --> 00:37:41,950
+تقوم، أن تلاحظوا يعني، على دراسة وإحصائيات
+
+365
+00:37:41,950 --> 00:37:47,950
+عامة للسنين
+
+366
+00:37:47,950 --> 00:37:51,250
+السابقة. يعني العام الماضي، احنا مثلا شركة تأمين
+
+367
+00:37:51,250 --> 00:37:55,560
+سيارات، السنة اللي فاتت، بدنا نأمن الآن عشان بدنا
+
+368
+00:37:55,560 --> 00:38:00,980
+نعمل شركة ونقدر جيدا، بدنا ناخد إيش أقساط، و هل هذا
+
+369
+00:38:00,980 --> 00:38:05,240
+مفيد ولا مش مفيد؟ بيعملوا دراسة جدوى شاملة، وحسابات
+
+370
+00:38:05,240 --> 00:38:08,800
+وإحصائيات السنة اللي فاتت، جيدا عدد السيارات اللي
+
+371
+00:38:08,800 --> 00:38:14,600
+الموجودة، جيدا عدد الحوادث اللي صارت، جيدا تكلفتها
+
+372
+00:38:14,600 --> 00:38:18,880
+تقديرية، لكن هذا كله تقديرية، لأن ممكن يجي حادث
+
+373
+00:38:18,880 --> 00:38:20,660
+أو حادثان يعني
+
+374
+00:38:22,740 --> 00:38:27,700
+بالسنة كلها أو زيادة عن كل الحسابات. ولذلك بالضرورة فيه
+
+375
+00:38:27,700 --> 00:38:33,760
+نوع من أنواع المقامرة، لكن الحقيقة يعني أنه هناك
+
+376
+00:38:33,760 --> 00:38:37,940
+إحصائيات وهناك نوع حسابات تقوم بها شركات التأمين
+
+377
+00:38:37,940 --> 00:38:46,950
+قبل أن تحدد المبلغ أو القسط الذي تأخذه. لأنه... و
+
+378
+00:38:46,950 --> 00:38:52,670
+هي في العادة طبعا يعني تحدد بما فيه مصلحتها، يعني
+
+379
+00:38:52,670 --> 00:38:59,660
+ده كان مجموع لل... التعويضات أو مجموعة تقديرات
+
+380
+00:38:59,660 --> 00:39:06,080
+للأخطار أو للأضرار في جانب معين، مثلا بمبلغ 100 ألف
+
+381
+00:39:06,080 --> 00:39:10,460
+دولار، هي هتعمل حساباتها لأن في شركة وفي موظفين وفي
+
+382
+00:39:10,460 --> 00:39:14,340
+أرباحهم يربحوا، وفي احتمالات زيادة، هيعملوا حساباتهم
+
+383
+00:39:14,340 --> 00:39:19,090
+أن يعني على 200 ألف، لأنه هيجسمه مش هيجسمه الـ 100
+
+384
+00:39:19,090 --> 00:39:23,410
+ألف، هيجسمه الـ 200 ألف على الأقساط عشان يصير فيه
+
+385
+00:39:23,410 --> 00:39:28,890
+احتمال قوي جدا للربح، ولذلك احنا معظم شركات التأمين
+
+386
+00:39:28,890 --> 00:39:34,290
+ما بتخسرش، حقيقة يعني، إلا إذا ظروف يعني غير
+
+387
+00:39:34,290 --> 00:39:41,460
+طبيعية بالمرة. إذا هذا بالنسبة لأهم العناصر التي
+
+388
+00:39:41,460 --> 00:39:47,380
+تتكون منها عقد
+
+389
+00:39:47,380 --> 00:39:54,080
+
+445
+00:45:07,370 --> 00:45:12,530
+خواطر ومصالحة بين الناس ويعني .. يعني ممكن يوديله
+
+446
+00:45:12,530 --> 00:45:19,770
+هدية بسيطة إلى غير ذلك لكن التأمين أو شركة التأمين
+
+447
+00:45:19,770 --> 00:45:24,930
+هي التي تقوم بالتعويض الشامل لو تبين بعد هيك عجز
+
+448
+00:45:24,930 --> 00:45:34,840
+معين، بتنتهي لو تبين أنه في عجز، برضه شركة التأمين
+
+449
+00:45:34,840 --> 00:45:43,500
+هي التي تقوم بدفع ذلك كله على كل الأحوال، لكن إذا
+
+450
+00:45:43,500 --> 00:45:48,110
+في أشياء أخرى غير منصوص عليها في العقد لا تتحملها
+
+451
+00:45:48,110 --> 00:45:53,350
+شركات التأمين على أي حال، بالنسبة للخصائص، نرجع
+
+452
+00:45:53,350 --> 00:45:56,630
+الحديث عنها المرة القادمة إن شاء الله تعالى
+
diff --git a/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zhdkI6loo_0_raw.json b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zhdkI6loo_0_raw.json
new file mode 100644
index 0000000000000000000000000000000000000000..41a9b9dd3fc9dacdbfad925f446a2402a7e5801a
--- /dev/null
+++ b/PL9fwy3NUQKwYnQanIqllNdniitRKxdzyH/zhdkI6loo_0_raw.json
@@ -0,0 +1 @@
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تأمين وصار انقطعت إيد ويروح يأمن بعد ما انهتبهت مش هيظبط التأمين بتم على خطر محتمل", "tokens": [15040, 7251, 39237, 14407, 16712, 3615, 995, 28543, 8978, 13412, 31747, 9307, 16712, 10721, 2304, 9957, 15844, 36764, 24401, 16472, 3224, 40448, 2655, 11778, 9640, 3224, 4032, 13546, 2407, 5016, 7251, 10721, 27842, 25894, 11296, 39182, 19446, 16472, 3224, 2655, 3555, 3224, 2655, 37893, 8032, 9957, 5172, 3615, 36764, 24401, 3714, 43042, 39182, 19446, 3714, 43042, 36764, 24401, 37495, 22653, 1975, 8592, 2655, 17082, 1211, 47525, 11536, 6055, 10721, 2304, 9957, 4032, 9381, 9640, 16472, 47432, 34268, 11933, 25708, 4032, 13546, 2407, 5016, 7251, 10721, 27842, 39182, 19446, 16472, 3224, 2655, 3555, 3224, 2655, 37893, 39896, 19913, 3555, 9566, 16712, 10721, 2304, 9957, 4724, 39237, 15844, 16490, 9566, 2288, 3714, 33753, 42213], "avg_logprob": -0.16938606194690264, "compression_ratio": 2.1176470588235294, "no_speech_prob": 5.960464477539063e-08, "words": [{"start": 2127.58, "end": 2127.9, "word": 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