A 'yan shekarun baya bayan nan ana samun karin kasashen Musulmai, da wadanda ma ba na Musulmai ba, dake samar da takardun lamuni na Islama. Batun da aka tattauna shi sosai yayin dandalin tattauna harkokin tattalin arzikin kasashen Musulmai karo na 10 dake gudana yanzu haka.

Takardun lamunin Islama sun kasance wani nau'in takardun lamunin da aka fara samar da su a wasu kasashe na mabiya addinin Musulunci. Bambancin dake tsakanin takarudun da sauran takardun lamuni shi ne, ba za a karbi ruwa kan lamuni da aka bayar ba, maimakon haka za a samu wani kashi na ribar da aka samu bisa cin lamunin, ribar da a kan same ta bisa ba da hayar wani gida ko wani jirgin sama, ko kuma wasu kadarori na daban.

Alkaluma sun shaida cewa, a shekaru 10 da suka wuce, yawan lamunin Islama da aka bayar a duniya bai wuce dalar Amurka miliyan 9600 kacal ba, kuma hukumomin da suka fara samar da takardun lamunin kalilan ne. Amma zuwa shekarar 2013, yawan lamunin Islama da aka bayar ya riga ya kai dala biliyan 269.4 a duniya, kana hukumomin da suke samar da takardun sun karu matuka. Kamar yadda shugabar babban bankin kasar Malaysia, Zeti Aziz, ta bayyana wajen taron tattalin arzikin kasashen Musulmai dake gudana, 'Harkar takardun lamunin Islama ta samu ci gaba sosai a 'yan shekarun baya bayan nan. Inda a yanzu haka yawan takardun lamunin da suka rage a kasuwannin duniya suka kai na dalar Amurka biliyan 270.'

Wasu masana a fannin tattalin arziki sun nuna cewa, ta takardun lamunin Islama za a iya tallafawa kamfanoni masu zaman kansu, don tabbatar da ingancin yanayin tattalin arzikin wata kasa, kana za a iya samun isashen kudi don gina kayayyakin more rayuwar jama'a. Saboda haka, ban da kasashen Musulmai, ana samun karin sauran kasashe da yankuna da suka fara samar da takardun lamunin Islama a shekaru baya bayan nan.

Ga misali, a watan Satumbar bana, yankin Hong Kong na kasar Sin ya samar da takardun lamunin Islama, da yawansu ya kai dalar Amurka biliyan 1, lamarin da ya janyo hankalin karin hukumomin samar da lamuni, da musulmai masu zuba jari domin su gudanar da ayyukansu a yankin na Hong Kong. Dangane da haka, Madam Aziz ta kara da cewa,

'Yanzu akwai kasashe fiye da 20 da suke samar da takardun lamuni na Islama, kana akwai masu zuba jari ga harkar a wurare daban daban na nahiyar Asiya, da Gabas ta Tsakiya, da kuma Turai. Haka zalika, kari kan wasu ajiyar kudin da a kan yi amfani da su wajen ba da lamuni irinsu dalar Amurka, da Fam, da kudin Euro, kasar Malaysia ta fara samar da takardun lamunin Islama irin na kudin kasar Sin RMB a kwanakin baya.'

Kasar Birtaniya dai ita ce ta farko wajen samar da takardun lamunin Islama cikin kasashe da ba na Musulmai ba, inda ta samar da lamuni na Fam miliyan 200 a karshen watan Yunin bana. Dangane da haka, sakatariyar ma'aikatar kudi a fannin tattalin arziki ta kasar Birtaniya, Madam Andrea Leadsom, ta bayyana shirin da hukumarta ta tsara, inda ta ce,

'Hukumar kasar Birtaniya mai kula da fitar da kaya da neman jari, za ta yi amfani da takardun lamunin Islama domin tallafawa kamfanin Airbus, bisa yunkurinsa na sayar da manyan jiragen sama a shekara mai zuwa. Wanda hakan zai zama tallafi irinsa na farko da wani kamfani mai samar da jiragen sama ya samu. '

A cewar Madam Leadsom, kasar Birtaniya za ta kara hada kai da kasashen Musulmai a wasu fannoni na daban, ciki har da harkar zirgar-zirgar jiragen sama.(Bello Wang)