The Bank of Ghana has disclosed its plans to enable patrons of the commercial vehicle, “trotro,” pay their transportation fare through digital means after the passage of Payment System and Service Bill is passed by Parliament.
According to the Deputy Governor of Bank of Ghana, Dr. Maxwell Opoku Afari, “If you are going to board a trotro all you need to do is just ask for the mobile money number of the driver, then you transfer the payment.
“This innovation will curtail the occasional scuffle between passengers and conductors over few Cedis change”.
Speaking on a topic: Innovative Financial Service for Business and SME’s Development, at a symposium held at the University of Ghana, Dr Afari noted that the regulation would allow most traditional payments to be done digitally and would change payment in Ghana and reduce queues at the banking halls.
”Last year, we organized a stakeholders forum to discuss and review the Electronic Management Guidelines and Payment System Act and consolidated it into one piece of legislation which is now called the Payment System and Services bill. We have met the economic management team to make a case for the passage of the bill,” he mentioned.
The Bill, therefore, seeks to promote the availability and acceptance of electronic money and other forms of payment services as a retail payment medium.
It also seeks to create an enabling regulatory environment for convenient, efficient and safe retail payment and funds transfer mechanisms as well as provide the necessary safeguards and controls to mitigate the risks associated with electronic money business and other payment services.
The Deputy Governor said the Bank of Ghana had observed that the public had shown interest and appreciated recent innovative ways using technology to transact business.
He said after the introduction of formal banking in Ghana over 60 years ago, only 11.4 million out of the about 28 million Ghanaians had bank accounts.
He noted however that after the institution of electronic money issuance guidelines in 2015, over 23 million people now have mobile money accounts “if we consider that as an account”.
He said penetrating into low-income communities by banks had been hindered by the high cost of building and rentals as well as operational overhead cost.
Dr Afari noted that while brick-and-mortar branches were expensive for banks to maintain in rural and deprived communities, the cost of travelling to urban areas was also high for many rural customers.
”The institution of electronic money issuance guidelines, the payment system in 2015 which sought to promote and supervise electronic and other payments, will help in funds transfer, clearing and settlement systems and has helped the Telecom’s to collaborate with banks to provide financial service to people especially SMEs.
The high prevalence of mobile phones and other electronic devices have made it convenient to expand access to financial services across the country
Main sources: modernghana.com
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Nous présenterons ainsi successivement les conditions liées au soignant (I), les exigences relatives à l’environnement où est réalisée la « roqya » (II). Nous aborderons ensuite la question de la gratuité de la prestation ou de sa contrepartie financière et enfin les conditions dans laquelle elle est réalisée (III). I- Les conditions liées au soignant Souvent la « roqya » est perçue comme une pratique dispensée par un tiers. Or, il est essentiel de rappeler et de souligner un fait important : la meilleure des « roqya » est celle que nous dispensons nous-mêmes à travers le « dhikr » et la récitation du Coran. Ainsi, pour se prémunir des maux liés au mauvais œil ou à la sorcellerie, il convient régulièrement de lire le Coran et faire des invocations notamment celles du matin et du coucher, de réciter régulièrement la sourate « La vache », de renouveler son intention, de placer la certitude dans son cœur, d’effectuer ses prières etc., et surtout de demander à Allah la meilleure des protections. Toutefois, dans certaines conditions, il est nécessaire de recourir à un soignant. C’est à ce stade qu’il convient d’être vigilant. Il ne suffit pas de se rendre auprès d’une personne qui se présente avec la qualité de cheikh ou d’imam pour accepter de lui confier cette pratique. Comme pour tout procédé et encore plus lorsque cela relève de considérations religieuses, il est important de bien choisir son soignant car ce dernier est tenu de posséder des qualités bien affirmées. La maîtrise du Coran et des traditions prophétiques en la matière est une condition sine qua none, mais insuffisante. La personne doit également avoir des notions de psychologie afin de déterminer la part de sorcellerie et celle de troubles psychologiques fréquents chez les patients. La personne doit posséder une bonne hygiène de vie, notamment spirituelle puisqu’il n’est pas inutile de rappeler que le succès de la « roqya » dépend de Dieu. Ces critères sont difficilement évaluables, surtout par une personne qui est affectée par un mal-être, quelle que soit sa source. C’est pourquoi les proches doivent accompagner la personne dans la recherche d’un soignant qualifié et reconnu comme tel par des référents religieux de la localité (imam, responsables associatifs, etc.). De manière générale, le soignant doit posséder des qualités déterminées que nous pouvons synthétiser de la manière suivante. Il doit : être en capacité de lire le Coran, croire avec certitude au Coran, être empreint de piété, connaître les pièges et les caractéristiques du diable et des djinns, connaître la méthode prophétique de la « roqya », disposer de connaissances de base en psychologie, avoir la conviction que le succès de sa thérapie dépend de Dieu. A l’exception de la première exigence, il semble difficile de vérifier les autres conditions dans le cadre d’un entretien téléphonique avec une personne que nous n’avons jamais rencontrée, même si elle se présente sous le titre de « cheikh » ou d’un imam. Par conséquent, ces conditions soulignent une première limite quant au recours à la « roqya » par téléphone. Par ailleurs, à l’instar de tout médecin, le soignant doit, avant de prodiguer des conseils ou une médication, procéder à une consultation. Ainsi, un environnement adéquat est indispensable pour la réalisation d’une « roqya ». Il est enfin inconcevable qu’un médecin puisse vous affirmer par téléphone connaître votre maladie et attester pouvoir vous guérir. Vous auriez plus que des doutes sur ce prétendu médecin. II- Un environnement propice et la réalisation d’une consultation préalable à la réalisation d’une « roqya » Il est intéressant de noter que, dans son ouvrage « Comment se protéger des djinns & satan », Wahîd ‘Abdussalâm Bâli évoque l’importance du climat pour réaliser une roqya[2]. Ainsi, il expose les points suivants : « 1. Préparer le climat adéquat en faisant par exemple sortir les images et les statues de la pièce où on va soigner le malade, pour permettre aux anges d’y entrer. 2. Débarrasser le sujet de tout ce qu’il peut porter sur lui comme talismans ou amulettes et les brûler. 3. Éteindre tout ce qui peut émettre le son de la musique et des chants. 4. Vider le lieu de tout ce qui comporte une infraction à la shari‘a à savoir, par exemple, la présence d’un homme qui porte de l’or ou une femme qui ne porte pas le voile légal – al-hijab. 5. Donner au malade et à sa famille une leçon de dogme de façon à ce que leurs cœurs ne soient pas attachés à un autre qu’Allah. 6. Leur faire savoir que la façon de soigner est différente de celle des sorciers et des charlatans et que le Coran recèle guérison et miséricorde, comme l’a informé Allah le Puissant et le Majestueux. 7. Diagnostiquer son cas : pour cela poser des questions au malade pour s’assurer de la présence de tous les symptômes (…) ». Or, dans les témoignages communiqués, l’interlocuteur qui se présente comme soignant ne pose aucune question aux personnes. Il débute ainsi la « roqya » directement par une récitation du Coran. En outre, il est intéressant de souligner que dans l’un des témoignages communiqués à l’UFCM, l’interlocuteur demandait à la personne de remplir successivement des verres de lait, d’huile, d’eau etc. et de les poser par la suite sur la table de la salle à manger. Au point que la personne s’est retrouvée avec une multitude de verres posés sur la table. Le comble est que la personne ignorait ce qu’elle devait en faire lorsqu’elle a pris conscience de la tromperie. Nous constatons par conséquent qu’une « roqya » ne peut être réalisée dans un environnement quelconque. En effet, une procédure de diagnostic est essentielle. Nous pouvons à titre d’exemple faire le parallèle avec un rendez-vous chez le médecin ; ce dernier ne peut vous prescrire une ordonnance sans au préalable vous avoir ausculté et interrogé sur les différents symptômes que vous ressentez physiquement. A défaut, au lieu de guérir vous allez aggraver vos maux. Cette attitude vigilante du médecin traitant doit se retrouver lorsque nous envisageons le recours à une « roqya ». Pour illustrer ce propos, nous citerons l’exemple de l’anthropologue, spécialiste de l’islam européen, Farid El Asri, chercheur associé au Centre Jacques Berque, qui nous rapporte une situation alarmante suite à une « roqya » : « Une jeune femme en Belgique (…) est morte suite à une tentative d’exorcisme. Pendant les séances, les fkihs (imams) utilisent normalement de l’eau « coranisée ». Pour cette jeune femme, prétendument stérile, les exorcistes ont carrément plongé son visage dans l’eau et quand elle tentait d’en sortir pour respirer, les guérisseurs estimaient qu’il s’agissait du jinn qui l’habitait et ils replongeaient son visage dans l’eau. Pendant le procès, la famille de la défunte s’est présentée comme musulmane et a accusé ces pratiques d’être extérieures à l’islam quand les guérisseurs estimaient qu’ils avaient simplement fait ce qu’ils pouvaient. Le fait de recourir trop systématiquement au fkih risque également de faire passer une crise d’épilepsie, par exemple, pour une crise de possession. »[3] Nous allons aborder enfin la dernière problématique, celle relative aux honoraires du soignant. III- Les honoraires du soignant Le Prophète, bénédictions et salut sur lui, « a agréé les Compagnons qui ont été payés pour la roqya ». Il est dès lors autorisé de rémunérer un soignant en contrepartie d’une prestation. Toutefois, cette rémunération doit être raisonnable et surtout clairement définie avant le traitement. En outre, nous ne pouvons que souligner et rappeler que, si la roqya est réalisée dans un cadre sérieux, il convient de procéder à toutes les déclarations administratives. Comme pour tout contrat, vous devez exiger un document écrit et le praticien doit préciser quels sont ses engagements exacts afin d’éviter tout litige postérieur. Malheureusement, tous les témoignages transmis à l’UFCM soulignent que l’interlocuteur insiste à plusieurs reprises sur la gratuité de la prestation. Or, dans les faits, cette dernière est payante puisque le coût de la communication est surtaxé. Ainsi, l’une des victimes qui nous a contacté, s’est retrouvée avec une facture téléphonique (hors forfait) de 1800 euros. Par conséquent, nous constatons que ces « roqyas » gratuites sont fondées sur la technique dite du « call-back » qui consiste à amener une personne à rappeler un numéro surtaxé, information qui lui est bien évidemment dissimulée. Une « roqya » peut être payante à condition de respecter un cadre prédéterminé, fondé sur l’information et la transparence des honoraires. En conclusion A la lumière des développements susvisés, l’UFCM appelle d’une part à une régulation du métier de la pratique de la « roqya », d’autre part, à la vigilance de chacun à ne pas céder à la tentation d’une « roqya » qui ne serait pas réalisée dans les conditions requises et qui pourrait produire des effets inverses. Au-delà du cadre spirituel ou juridique, les divers témoignages reçus et étudiés par l’UFCM ne peuvent pas nous laisser indifférents à la question suivante : pourquoi des personnes sont-elles amenées à accepter aussi facilement une « roqya » par téléphone ? Est-ce la gratuité qui a déterminé leur choix ? Certes le mal-être produit par cette société est de plus en plus grand. Nous vivons une époque où les êtres sont de plus en plus coupés des signes de Dieu et vivent un rythme de vie effréné. Ces affaires sont révélatrices des maux les plus profonds qui touchent la communauté musulmane. Par ailleurs, comme l’ensemble des rites islamiques (hajj, halal, pompes funèbres) censés nous rappeler les limites qui déterminent la voie vers Dieu, nous constatons que leur marchandisation trahit de plus en plus leur vocation première. Suffit-il qu’un interlocuteur se présente à nous comme un « cheikh » ou un imam et qu’il nous propose une « roqya » gratuite pour l’accepter aussitôt Ne devrions-nous pas tous nous interroger sur le fait qu’il y ait des musulmanes et des musulmans aussi isolés et aussi ignorants de leur propre religion pour être trompés aussi facilement ? Sommes-nous devenus si dépendants des Hommes que nous en oublions de nous adresser directement à Dieu pour solutionner nos malaises ? Autant de questions que chacun d’entre nous a la responsabilité de se poser. En effet, aucun de nous ou de nos proches ne sont à l’abri d’une telle tromperie. Il convient enfin de rappeler que la « roqya » est un remède précis et qu’elle ne peut se faire que sous certaines conditions et surtout qu’elle demeure l’exception à la règle, qui est de toujours s’adresser directement à Dieu. Avant de recourir à une « roqya », il convient de faire une introspection sur ses propres pratiques cultuelles et de revenir.
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Cami Halısı Çeşitleri
Camiler toplumumuzu ve kültürümüzü yansıtan en önemli eserlerdir. Bunların yanı sıra camiler toplumumuzda en sık kullanılan çok rağbet gören mekanlardır. Bu kullanım sıklığı camilerin iç yapısının önemini yansıtır. Camilerin içlerine çok sayıda insan girmesi, günün belirli aralıklarında insan yoğunluğunun olması nedeniyle iç konforu da hayli önemlidir. Bu konforu sağlayan en önemli şey de kuşkusuz Cami Halıları olmaktadır. Cami Halısı yazın içerideki serin havayı, kışında aynı şekilde içerideki sıcak havayı muhafaza etmeli kısaca ortam ısısını korumalıdır. Bu yüzden cami yerlerinin tamamı halı ile kapatılır.Cami Halıları hakkında daha detaylı bilgi almak ve Cami Halısı çeşitlerimizi görmek için ilk adımı atabilir ve bu konuda detaylı araştırma yaparak ürünlerini yerlerinde görebilirsiniz.
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Naturel Cami Halısı, daha çok sade görünüme sahip gri ve toprak tonları rengi olan cami halılarıdır. İçerisinde de doğal hammaddesinde de doğal ürünler kullanılmaktadır.Yün Cami Halısı,cami halıları seçimi yapılırken zemin yapısı ve alttan ısınma çok önemlidir. İbadet edenlerin sağlığı dikkate alındığından diğer malzemelerin olumsuz sonuçlar doğurduğu görülmüştür. Özellikle plastik ve türevleri elektriklenme yapacağından ibadet esnasında dikkat dağılmasına yol açabilir. Cami Halısı Modelleri ve Cami Halısı Fiyatları hakkında detaylı bilgi almak ve ürünleri yerlerinde incelemek için ürünlere bakmaya gidebilirsiniz.
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Camiler Müslümanları bir araya getiren, birlikte ibadet etmelerini sağlayan ibadethanelerdir. Camilerin iç ve dış mimarisi de buna uygun olarak huzur verici bir şekilde tasarlanır. Bir camiden içeriye girildiği zaman dikkat çeken ilk detay şüphesiz ki cami halılarıdır. cami halısı modelleri birden çok türe sahiptir, çeşitli modellere sahip olan cami halılarını seçerken dikkat edilmesi gereken birtakım detaylar vardır.Cami halısı seçiminde dikkat edilmesi gereken ilk nokta cami halıların yumuşak bir yapıya sahip olmasıdır. İnce yapıda bir cami halısı zeminden gelen soğuğa engel olamaz ve ibadet eden kişiler için hastalık riski oluşturur, sert yapıda olan bir cami halısı ise bireylere rahatsızlık verebilir. Bu yüzden seçilen cami halısı kalın yapıda ve yumuşak olmalıdır. Bu yapıda seçilen cami halısı bireylerin ibadetlerini sağlıklı ve rahat şekilde gerçekleştirmelerini sağlar. Birden çok renge sahip olan ve kalabalık desenler bulunduran cami halıları bireylerin ibadetleri esnasında odaklanmalarına engel olur ve zihin karışıklığı oluşmasına neden olur. Bu sebeple seçilecek cami halısı caminin iç mimarisine uygun olmanın yanı sıra renk ve desen olarak sade olmalı ve her açıdan bütünlük oluşturmalıdır. Cami halısı seçiminde dikkat edilmesi gereken bir diğer nokta ise halıların leke tutmayan ve kolay kirlenmeyen bir yapıya sahip olmasıdır. Gün içerisinde çok sayıda insanın ziyaret ettiği camiler için kullanılacak halılar, kolay kirlenmeyen ve leke tutmayan yapıya sahip olmalıdır. Bu yapıya sahip olan cami halıları uzun süreli kullanım imkanı sunar. Halı seçiminde önemli olan diğer bir husus ise seçilecek halının nem ve rutubete karşı dayanıklı bir yapıya sahip olmasıdır. Nem ve rutubete karşı dayanıksız bir yapıda olan cami halıları kısa süre içerisinde yıpranır ve kötü kokuların oluşmasına neden olur.
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