{"id":4908,"date":"2022-01-13T04:36:28","date_gmt":"2022-01-13T04:36:28","guid":{"rendered":"https:\/\/blog.ethis.co\/%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%85%d8%b1%d9%83%d8%b2-%d9%84%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5\/"},"modified":"2022-01-13T04:36:29","modified_gmt":"2022-01-13T04:36:29","slug":"%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%85%d8%b1%d9%83%d8%b2-%d9%84%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5","status":"publish","type":"post","link":"https:\/\/ethis.co\/blog\/%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%85%d8%b1%d9%83%d8%b2-%d9%84%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5\/","title":{"rendered":"\u0645\u0627\u0644\u064a\u0632\u064a\u0627: \u0645\u0631\u0643\u0632 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\u0648\u0646\u0638\u0627\u0645\u0647 \u0627\u0644\u0628\u064a\u0626\u064a \u0627\u0644\u0642\u0648\u064a \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a. \u0641\u064a \u0637\u0644\u064a\u0639\u0629 \u0647\u0630\u0627 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0632\u062f\u0647\u0631 \u060c \u0634\u0631\u0643\u0629 Ethis Group \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u0625\u0644\u064a\u0643 \u0646\u0638\u0631\u0629 \u0623\u0639\u0645\u0642 \u0641\u064a \u0643\u064a\u0641\u064a\u0629 \u062a\u062d\u0648\u0644 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0625\u0644\u0649 \u0645\u0631\u0643\u0632 \u0625\u0633\u0644\u0627\u0645\u064a 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\u0627\u0644\u0645\u0627\u0644\u064a\u0629. <\/p>\n\n<p>\u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u0631\u064a\u0631 <a href=\"https:\/\/cdn.salaamgateway.com\/reports\/pdf\/6127a0965afd7898a34f69dadc24b8d17ada0b1b.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0644\u0639\u0627\u0645 2021<\/a> \u060c \u064a\u0628\u0644\u063a \u062d\u062c\u0645 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0645\u0642\u062f\u0631\u0629 \u0644\u0639\u0627\u0645 2020 \u062f\u0627\u062e\u0644 \u062f\u0648\u0644 \u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a 49 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a.<\/p>\n\n<p>\u064a\u0645\u062b\u0644 \u0647\u0630\u0627 \u0627\u0644\u0631\u0642\u0645 0.7\u066a \u0645\u0646 \u062d\u062c\u0645 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u060c \u0648\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u062a\u0646\u0645\u0648 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0625\u0644\u0649 128 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2025 \u0628\u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0633\u0646\u0648\u064a \u0645\u0631\u0643\u0628 \u0628\u0646\u0633\u0628\u0629 21\u066a &#8211; \u0648\u0647\u0648 \u062a\u0648\u0642\u0639 \u0646\u0645\u0648 \u0623\u0639\u0644\u0649 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u062a\u0628\u0644\u063a 15\u066a \u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0633\u0646\u0648\u064a \u0645\u0631\u0643\u0628 \u0644\u0646\u0641\u0633 \u0627\u0644\u0641\u062a\u0631\u0629. <\/p>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_51_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69e364555240d\" ><span class=\"\"><span style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" aria-label=\"item-69e364555240d\"  type=\"checkbox\" id=\"item-69e364555240d\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ethis.co\/blog\/%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%85%d8%b1%d9%83%d8%b2-%d9%84%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5\/#%D8%AA%D9%82%D9%88%D8%AF_%D9%85%D8%A7%D9%84%D9%8A%D8%B2%D9%8A%D8%A7_%D8%B7%D9%81%D8%B1%D8%A9_%D8%A7%D9%84%D8%AA%D9%83%D9%86%D9%88%D9%84%D9%88%D8%AC%D9%8A%D8%A7_%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9_%D8%A7%D9%84%D8%B9%D8%A7%D9%84%D9%85%D9%8A%D8%A9\" title=\"\u062a\u0642\u0648\u062f \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0637\u0641\u0631\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\">\u062a\u0642\u0648\u062f \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0637\u0641\u0631\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ethis.co\/blog\/%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%85%d8%b1%d9%83%d8%b2-%d9%84%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5\/#%D8%AA%D8%AD%D8%B7%D9%8A%D9%85_%D9%85%D8%B4%D9%87%D8%AF_%D8%A7%D9%84%D8%AA%D9%83%D9%86%D9%88%D9%84%D9%88%D8%AC%D9%8A%D8%A7_%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9_%D8%A7%D9%84%D8%B9%D8%A7%D9%84%D9%85%D9%8A%D8%A9\" title=\"\u062a\u062d\u0637\u064a\u0645 \u0645\u0634\u0647\u062f \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\">\u062a\u062d\u0637\u064a\u0645 \u0645\u0634\u0647\u062f \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ethis.co\/blog\/%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%85%d8%b1%d9%83%d8%b2-%d9%84%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5\/#%D9%85%D8%A7_%D8%A7%D9%84%D8%B0%D9%8A_%D9%8A%D8%AF%D9%81%D8%B9_%D9%86%D9%85%D9%88_%D8%A7%D9%84%D8%AA%D9%82%D9%86%D9%8A%D8%A7%D8%AA_%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9_%D9%81%D9%8A_%D9%85%D8%A7%D9%84%D9%8A%D8%B2%D9%8A%D8%A7%D8%9F\" title=\"\u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u062f\u0641\u0639 \u0646\u0645\u0648 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a 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\u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ethis.co\/blog\/%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%85%d8%b1%d9%83%d8%b2-%d9%84%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5\/#%D9%85%D8%A7_%D9%87%D9%8A_%D8%A7%D9%84%D8%AE%D8%B7%D9%88%D8%A9_%D8%A7%D9%84%D8%AA%D8%A7%D9%84%D9%8A%D8%A9_%D9%84%D8%B4%D8%B1%D9%83%D8%A7%D8%AA_%D8%A7%D9%84%D8%AA%D9%83%D9%86%D9%88%D9%84%D9%88%D8%AC%D9%8A%D8%A7_%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9_%D9%81%D9%8A_%D9%85%D8%A7%D9%84%D9%8A%D8%B2%D9%8A%D8%A7%D8%9F\" title=\"\u0645\u0627 \u0647\u064a \u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0644\u0634\u0631\u0643\u0627\u062a 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href=\"https:\/\/ethis.co\/blog\/%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%85%d8%b1%d9%83%d8%b2-%d9%84%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5\/#Ethis_%E2%80%93_%D9%82%D9%8A%D8%A7%D8%AF%D8%A9_%D9%86%D9%85%D9%88_%D9%85%D8%A7%D9%84%D9%8A%D8%B2%D9%8A%D8%A7_%D9%81%D9%8A_%D9%85%D8%AC%D8%A7%D9%84_%D8%A7%D9%84%D8%AA%D9%83%D9%86%D9%88%D9%84%D9%88%D8%AC%D9%8A%D8%A7_%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9\" title=\"Ethis &#8211; \u0642\u064a\u0627\u062f\u0629 \u0646\u0645\u0648 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\">Ethis &#8211; \u0642\u064a\u0627\u062f\u0629 \u0646\u0645\u0648 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/ethis.co\/blog\/%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%85%d8%b1%d9%83%d8%b2-%d9%84%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5\/#%D9%8A%D8%B9%D9%85%D9%84_Ethis_%D8%AD%D8%A7%D9%84%D9%8A%D9%8B%D8%A7\" title=\"\u064a\u0639\u0645\u0644 Ethis \u062d\u0627\u0644\u064a\u064b\u0627:\">\u064a\u0639\u0645\u0644 Ethis \u062d\u0627\u0644\u064a\u064b\u0627:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%D8%AA%D9%82%D9%88%D8%AF_%D9%85%D8%A7%D9%84%D9%8A%D8%B2%D9%8A%D8%A7_%D8%B7%D9%81%D8%B1%D8%A9_%D8%A7%D9%84%D8%AA%D9%83%D9%86%D9%88%D9%84%D9%88%D8%AC%D9%8A%D8%A7_%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9_%D8%A7%D9%84%D8%B9%D8%A7%D9%84%D9%85%D9%8A%D8%A9\"><\/span><strong>\u062a\u0642\u0648\u062f \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0637\u0641\u0631\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>\u0645\u0646 \u0631\u0642\u0645 49 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u060c \u062a\u0645\u062a\u0644\u0643 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u0625\u064a\u0631\u0627\u0646 \u0648\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0648\u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0648\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0623\u0643\u0628\u0631 \u062d\u062c\u0645 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0645\u0642\u062f\u0631. <\/p>\n\n<p>\u0644\u0643\u0646 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u062a\u062d\u062a\u0644 \u0627\u0644\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0641\u064a \u0645\u0624\u0634\u0631 GIFT \u0644\u0640 64 \u062f\u0648\u0644\u0629 &#8211; \u0648\u0647\u0648 \u0645\u0624\u0634\u0631 \u0645\u0631\u0643\u0628 \u0645\u0646 32 \u0645\u0624\u0634\u0631\u064b\u0627 \u064a\u063a\u0637\u064a \u062e\u0645\u0633 \u0641\u0626\u0627\u062a: \u0633\u0648\u0642 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0628\u064a\u0626\u064a \u0648\u0627\u0644\u0645\u0648\u0627\u0647\u0628 \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0648\u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0648\u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644. \u0628\u0634\u0643\u0644 \u0623\u0633\u0627\u0633\u064a \u060c \u064a\u0642\u064a\u0633 \u0645\u0624\u0634\u0631 GIFT \u0625\u0645\u0643\u0627\u0646\u0627\u062a \u0628\u0644\u062f \u0645\u0627 \u0643\u0645\u0631\u0643\u0632 \u0625\u0633\u0644\u0627\u0645\u064a \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. <\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"600\" height=\"604\" src=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Global-Fintech-Transaction-volume.png\" alt=\"\" class=\"wp-image-3308\" srcset=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Global-Fintech-Transaction-volume.png 600w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Global-Fintech-Transaction-volume-298x300.png 298w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Global-Fintech-Transaction-volume-150x150.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n<p><em>\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0646\u0645\u0648 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0628\u064a\u0626\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0625\u0644\u0649 128 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2025 \u060c \u0648\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u062a\u0645\u062a\u0644\u0643 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u062d\u0635\u0629 \u0639\u0627\u062f\u0644\u0629 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0646\u0645\u0648. (\u0645\u0635\u062f\u0631: <\/em><a href=\"https:\/\/cdn.salaamgateway.com\/reports\/pdf\/6127a0965afd7898a34f69dadc24b8d17ada0b1b.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><em>\u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0639\u0627\u0645 2021<\/em><\/a> <em>)<\/em><\/p>\n\n<p>\u0644\u064a\u0633 \u0630\u0644\u0643 \u0641\u062d\u0633\u0628 \u060c \u0628\u0644 \u062a\u0642\u0648\u062f \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0623\u064a\u0636\u064b\u0627 \u0645\u0635\u0641\u0648\u0641\u0629 Fintech Hubs Maturity Matrix \u060c \u0648\u0647\u064a \u0645\u0642\u064a\u0627\u0633 \u0644\u0646\u0645\u0648 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062d\u062c\u0645 \u0627\u0644\u0633\u0648\u0642 \u0645\u0642\u0627\u0628\u0644 \u0642\u062f\u0631\u0629 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0628\u064a\u0626\u064a. \u0648\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0647\u064a \u0627\u0644\u062f\u0648\u0644\u0629 \u0627\u0644\u0631\u0627\u0626\u062f\u0629 \u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0627\u0644\u0623\u0645\u0631 \u0628\u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0631\u062a\u0641\u0639 \u0648\u0627\u0644\u0639\u0637\u0627\u0621 \u0627\u0644\u0639\u0627\u0644\u064a \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u060c \u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u0628\u0627\u0643\u0633\u062a\u0627\u0646 \u0648\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0648\u0642\u0637\u0631 \u0648\u0627\u0644\u0643\u0648\u064a\u062a \u060c \u0647\u064a \u0645\u0631\u0627\u0643\u0632 \u0623\u062e\u0631\u0649 \u0645\u062b\u064a\u0631\u0629 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0641\u064a \u0622\u0641\u0627\u0642 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646.<\/p>\n\n<p>\u0623\u062e\u064a\u0631\u064b\u0627 \u060c \u062d\u0627\u0641\u0638\u062a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0623\u064a\u0636\u064b\u0627 \u0639\u0644\u0649 \u0645\u0643\u0627\u0646\u062a\u0647\u0627 \u0643\u0623\u0641\u0636\u0644 \u0633\u0648\u0642 \u0644\u0644\u0635\u0643\u0648\u0643. \u0648\u0641\u0642\u064b\u0627 \u0644\u0640 <a href=\"https:\/\/www.ram.com.my\/pressrelease\/?prviewid=5636\" target=\"_blank\" rel=\"noreferrer noopener\">RAM<\/a> \u060c \u0644\u0627 \u062a\u0632\u0627\u0644 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u062a\u0647\u064a\u0645\u0646 \u0639\u0644\u0649 \u0633\u0648\u0642 \u0627\u0644\u0635\u0643\u0648\u0643 \u0628\u062d\u0635\u0629 \u0633\u0648\u0642\u064a\u0629 \u062a\u0628\u0644\u063a 39.2\u066a \u060c \u062a\u0644\u064a\u0647\u0627 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 (20.4\u066a) \u0648\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 (17.5\u066a). \u0645\u062c\u062a\u0645\u0639\u0629 \u060c \u0633\u0627\u0647\u0645\u062a \u0647\u0630\u0647 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0628\u0646\u0633\u0628\u0629 77.1\u066a \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0625\u0635\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629. \u062a\u0645\u062a\u0644\u0643 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0623\u064a\u0636\u064b\u0627 \u0623\u062d\u062f \u0623\u0641\u0636\u0644 \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u062d\u0644\u0627\u0644 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645. <\/p>\n\n<p>\u0628\u0634\u0643\u0644 \u0639\u0627\u0645 \u060c \u0645\u0646 \u0627\u0644\u0648\u0627\u0636\u062d \u0623\u0646 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0647\u064a \u0646\u0642\u0637\u0629 \u0645\u062d\u0648\u0631\u064a\u0629 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0648\u0633\u062a\u0633\u062a\u0645\u0631 \u0641\u064a \u0627\u0644\u0646\u0645\u0648 \u0623\u0643\u062b\u0631 \u0641\u064a \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0642\u0627\u062f\u0645\u0629.<\/p>\n\n<p>\u0641\u064a \u0637\u0644\u064a\u0639\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u060c \u062a\u0639\u0645\u0644 Ethis \u060c \u0627\u0644\u062a\u064a \u062a\u062f\u064a\u0631 \u0645\u0646\u0635\u0627\u062a \u062a\u0645\u0648\u064a\u0644 \u062c\u0645\u0627\u0639\u064a \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0648\u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0648\u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a GlobalSadaqah.<\/p>\n\n<p>\u062a\u0631\u0643\u0632 \u0634\u0631\u0643\u0629 fintech \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0642\u0639 \u0645\u0642\u0631\u0647\u0627 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0639\u0644\u0649 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u062c\u0645\u0627\u0639\u064a\u0629 \u0645\u0633\u062a\u062f\u0627\u0645\u0629 \u0648\u0645\u0631\u0643\u0632\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0648\u0627\u0644\u062a\u0628\u0631\u0639\u0627\u062a. \u0648\u0647\u064a \u062a\u062f\u064a\u0631 \u0645\u0646\u0635\u0627\u062a \u0645\u0646\u0638\u0645\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0648\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0648\u062d\u0635\u0644\u062a \u0623\u064a\u0636\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0641\u064a \u062f\u0628\u064a \u0648\u0642\u0637\u0631.<\/p>\n\n<p>\u0633\u0648\u0641 \u0646\u062a\u0639\u0645\u0642 \u0623\u0643\u062b\u0631 \u0641\u064a Ethis \u0648\u0639\u0631\u0648\u0636\u0647\u0627 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0644\u0627\u062d\u0642\u064b\u0627 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0642\u0627\u0644\u0629. <\/p>\n\n<p>\u0627\u0644\u0645\u0648\u0636\u0648\u0639\u0627\u062a <strong>\u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629<\/strong> : <a href=\"https:\/\/ethis.co\/blog\/4-things-people-love-islamic-fintech\/\">4 \u0623\u0634\u064a\u0627\u0621 \u064a\u062d\u0628\u0647\u0627 \u0627\u0644\u0646\u0627\u0633 \u0641\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/a><\/p>\n\n<h2><span class=\"ez-toc-section\" id=\"%D8%AA%D8%AD%D8%B7%D9%8A%D9%85_%D9%85%D8%B4%D9%87%D8%AF_%D8%A7%D9%84%D8%AA%D9%83%D9%86%D9%88%D9%84%D9%88%D8%AC%D9%8A%D8%A7_%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9_%D8%A7%D9%84%D8%B9%D8%A7%D9%84%D9%85%D9%8A%D8%A9\"><\/span><strong>\u062a\u062d\u0637\u064a\u0645 \u0645\u0634\u0647\u062f \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>\u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 IFN Fintech \u060c \u062a\u0639\u0645\u0644 \u0623\u0643\u062b\u0631 \u0645\u0646 240 \u0634\u0631\u0643\u0629 \u0645\u0627\u0644\u064a\u0629 \u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u062d\u0627\u0644\u064a\u064b\u0627 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645 \u060c \u0648\u062a\u063a\u0637\u064a \u0645\u062c\u0645\u0648\u0639\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629. <\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"729\" height=\"507\" src=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Fintech-companies-2021.png\" alt=\"\" class=\"wp-image-3309\" srcset=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Fintech-companies-2021.png 729w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Fintech-companies-2021-300x209.png 300w\" sizes=\"(max-width: 729px) 100vw, 729px\" \/><figcaption><em>\u0627\u0644\u0645\u0635\u062f\u0631: Global Islamic Fintech Report (\u0627\u0644\u0645\u0635\u062f\u0631: IFN Fintech)<\/em><\/figcaption><\/figure>\n<p>\u062a\u0639\u062f \u0639\u0645\u0644\u064a\u0627\u062a \u062c\u0645\u0639 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062b\u0631\u0648\u0627\u062a \u0648\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0628\u062f\u064a\u0644 \u0645\u0646 \u0627\u0644\u0641\u0626\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062a\u064a 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\u0623\u0633\u0627\u0633\u064a\u0629 \u062a\u0648\u0627\u062c\u0647 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629: <strong>\u0646\u0642\u0635 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u060c \u0648\u062a\u062b\u0642\u064a\u0641 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u060c \u0648\u0625\u064a\u062c\u0627\u062f \u0627\u0644\u0645\u0648\u0627\u0647\u0628.<\/strong><\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"539\" src=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Global-Opportunities-Heatmap-1024x539.png\" alt=\"\" class=\"wp-image-3310\" srcset=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Global-Opportunities-Heatmap-1024x539.png 1024w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Global-Opportunities-Heatmap-300x158.png 300w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Global-Opportunities-Heatmap-768x404.png 768w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Global-Opportunities-Heatmap.png 1182w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption><em>\u062a\u0639\u062f \u0645\u0646\u0637\u0642\u0629 \u062c\u0646\u0648\u0628 \u0634\u0631\u0642 \u0622\u0633\u064a\u0627 \u0645\u0648\u0637\u0646\u064b\u0627 \u0644\u0645\u0639\u0638\u0645 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u061b \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0641\u064a \u0637\u0644\u064a\u0639\u0629 \u0647\u0630\u0627 \u0627\u0644\u0646\u0645\u0648. <\/em><br\/><em>(\u0627\u0644\u0645\u0635\u062f\u0631:<\/em> <a href=\"https:\/\/cdn.salaamgateway.com\/reports\/pdf\/6127a0965afd7898a34f69dadc24b8d17ada0b1b.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><em>\u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0639\u0627\u0645 2021<\/em><\/a> <em>)<\/em><\/figcaption><\/figure>\n<p>\u0623\u0642\u0631\u0628 \u0625\u0644\u0649 \u0627\u0644\u0648\u0637\u0646 \u060c \u062a\u0636\u0645 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0646\u0641\u0633\u0647\u0627 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u0627\u0633\u062a\u0646\u0627\u062f\u064b\u0627 \u0625\u0644\u0649 \u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u062a\u0627\u0628\u0639 \u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a (MDEC) \u0627\u0644\u0630\u064a \u0646\u064f\u0634\u0631 \u0641\u064a \u0641\u0628\u0631\u0627\u064a\u0631 \u0627\u0644\u0645\u0627\u0636\u064a \u060c \u0643\u0627\u0646 \u0645\u0627 \u0645\u062c\u0645\u0648\u0639\u0647 26 \u0645\u0632\u0648\u062f\u064b\u0627 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u064a\u0639\u0645\u0644\u0648\u0646 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0641\u064a \u0639\u0627\u0645 2019 \u060c \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 (19) \u0648\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 (16) \u0648\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 (12) \u0648 \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 (10). <\/p>\n\n<p>\u0645\u0646 \u0645\u0646\u0638\u0648\u0631 \u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a \u060c \u0633\u064a\u0637\u0631\u062a \u0622\u0633\u064a\u0627 \u0639\u0644\u0649 \u0627\u0644\u0645\u0634\u0647\u062f \u0628\u0646\u0633\u0628\u0629 41\u066a \u0645\u0646 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0628\u064a\u0626\u064a \u060c \u062a\u0644\u064a\u0647\u0627 \u0623\u0648\u0631\u0648\u0628\u0627 (25\u066a) \u060c \u0648\u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 (20.6\u066a) \u060c \u0648\u0627\u0644\u0623\u0645\u0631\u064a\u0643\u062a\u0627\u0646 (10.3\u066a) \u0648\u0623\u0641\u0631\u064a\u0642\u064a\u0627 (2.9\u066a). <\/p>\n\n<p>\u0647\u0646\u0627\u0643 \u0623\u0645\u0631\u0627\u0646 \u0648\u0627\u0636\u062d\u0627\u0646 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u060c \u0645\u0634\u0647\u062f \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u064a\u0646\u0645\u0648 \u0628\u0633\u0631\u0639\u0629 \u0641\u064a \u0643\u0644 \u0645\u0646 \u062d\u062c\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0648\u0627\u0644\u0643\u064a\u0627\u0646\u0627\u062a. \u0627\u0644\u0645\u0626\u0627\u062a \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u062a\u0639\u0645\u0644 \u0627\u0644\u0622\u0646 \u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0627\u0644\u0639\u0627\u0644\u0645 \u0648\u0642\u062f \u062a\u062d\u0630\u0648 \u062d\u0630\u0648\u0647\u0627 \u0627\u0644\u0643\u062b\u064a\u0631 \u0641\u064a \u0648\u0642\u062a \u0642\u0631\u064a\u0628. \u062b\u0627\u0646\u064a\u064b\u0627 \u060c \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0631\u0627\u0626\u062f\u0629 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u061b \u0627\u0644\u0628\u0644\u062f \u0645\u0648\u0637\u0646 \u0644\u0645\u0627 \u0644\u0627 \u064a\u0642\u0644 \u0639\u0646 20 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. <\/p>\n\n<p>\u0627\u0644\u0645\u0648\u0636\u0648\u0639\u0627\u062a <strong>\u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629:<\/strong> <a href=\"https:\/\/ethis.co\/blog\/blockchain-islamic-finance\/\">Blockchain \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a<\/a><\/p>\n\n<h2><span class=\"ez-toc-section\" id=\"%D9%85%D8%A7_%D8%A7%D9%84%D8%B0%D9%8A_%D9%8A%D8%AF%D9%81%D8%B9_%D9%86%D9%85%D9%88_%D8%A7%D9%84%D8%AA%D9%82%D9%86%D9%8A%D8%A7%D8%AA_%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9_%D9%81%D9%8A_%D9%85%D8%A7%D9%84%D9%8A%D8%B2%D9%8A%D8%A7%D8%9F\"><\/span><strong>\u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u062f\u0641\u0639 \u0646\u0645\u0648 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627\u061f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"758\" src=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screenshot-2021-06-18-at-3.16.34-PM-1024x758.png\" alt=\"&#x645;&#x627;&#x644;&#x64A;&#x632;&#x64A;&#x627; &#x643;&#x645;&#x631;&#x643;&#x632; &#x644;&#x644;&#x62A;&#x643;&#x646;&#x648;&#x644;&#x648;&#x62C;&#x64A;&#x627; &#x627;&#x644;&#x645;&#x627;&#x644;&#x64A;&#x629; &#x627;&#x644;&#x625;&#x633;&#x644;&#x627;&#x645;&#x64A;&#x629;\" class=\"wp-image-3311\" srcset=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screenshot-2021-06-18-at-3.16.34-PM-1024x758.png 1024w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screenshot-2021-06-18-at-3.16.34-PM-300x222.png 300w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screenshot-2021-06-18-at-3.16.34-PM-768x569.png 768w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screenshot-2021-06-18-at-3.16.34-PM.png 1067w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption><em>\u0627\u0644\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u062e\u0645\u0633\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062c\u0639\u0644 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0645\u0631\u0643\u0632\u064b\u0627 \u0631\u0627\u0626\u062f\u064b\u0627 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/em><\/figcaption><\/figure>\n<p>\u0623\u0643\u0628\u0631 \u0645\u0633\u0627\u0647\u0645 \u0641\u064a \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u062a\u0633\u0627\u0631\u0639 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0647\u0648 \u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u062d\u0627\u0644\u064a \u0644\u0644\u0628\u0644\u0627\u062f \u0643\u0645\u0631\u0643\u0632 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a. <\/p>\n\n<p>\u062a\u0645 \u0627\u0644\u0627\u0639\u062a\u0631\u0627\u0641 \u0628\u0627\u0644\u062f\u0648\u0644\u0629 \u0645\u0646 \u0642\u0628\u0644 <a href=\"https:\/\/www.mifc.com\/index.php?ch=28&amp;pg=72&amp;ac=189&amp;bb=uploadpdf\" target=\"_blank\" rel=\"noreferrer noopener\">Thomson Reuters<\/a> \u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647\u0627 \u0623\u0643\u062b\u0631 \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u062a\u0637\u0648\u0631\u064b\u0627 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645 \u0644\u0645\u062f\u0629 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a \u0645\u062a\u062a\u0627\u0644\u064a\u0629 \u0641\u064a \u0639\u0627\u0645 2017 \u060c \u062d\u064a\u062b \u0628\u0644\u063a \u0625\u062c\u0645\u0627\u0644\u064a \u0623\u0635\u0648\u0644 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0641\u064a\u0647\u0627 204.4 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a. <\/p>\n\n<p>\u0643\u0645\u0627 \u064a\u0634\u064a\u0631 MDEC \u060c \u0641\u0625\u0646 <a href=\"https:\/\/mdec.my\/wp-content\/uploads\/MDEC-Islamic-Fintech-Dialogue-Report-2020.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0641\u064a \u0627\u0644\u0628\u0644\u0627\u062f \u0645\u0639\u062a\u0631\u0641 \u0628\u0647\u0627 \u0639\u0627\u0644\u0645\u064a\u064b\u0627<\/a> &#8211; \u0641\u0647\u064a \u062a\u0636\u0645 \u0628\u0646\u064a\u0629 \u062a\u062d\u062a\u064a\u0629 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0645\u062a\u0637\u0648\u0631\u0629 \u0648\u0645\u062c\u062a\u0645\u0639\u064b\u0627 \u0645\u062a\u0646\u0648\u0639\u064b\u0627 \u064a\u0645\u062a\u062f \u0625\u0644\u0649 \u0645\u0627 \u0648\u0631\u0627\u0621 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 &#8220;\u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629&#8221; \u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0645\u0646\u0638\u0645\u0627\u062a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0632\u0643\u0627\u0629 \u0648\u0627\u0644\u062d\u062c \u0648\u0627\u0644\u062a\u0639\u0627\u0648\u0646\u064a\u0627\u062a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 (\u0627\u0644\u062a\u0639\u0627\u0648\u0646\u064a\u0627\u062a) ).<\/p>\n\n<p>\u0639\u0644\u0627\u0648\u0629 \u0639\u0644\u0649 \u0630\u0644\u0643 \u060c \u0648\u0628\u062f\u0639\u0645 \u0645\u0646 <a href=\"https:\/\/mdec.my\/digital-economy-initiatives\/for-the-industry\/entrepreneurs\/islamicdigitaleconomy\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a<\/a> \u0627\u0644\u0642\u0648\u064a \u060c \u062a\u062a\u0645\u062a\u0639 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0628\u0645\u064a\u0632\u0629 \u0641\u0631\u064a\u062f\u0629 \u0648\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0644\u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a \u0648\u0627\u0644\u0639\u0627\u0644\u0645\u064a.<\/p>\n\n<p>\u0643\u0645\u0627 \u0623\u062f\u0649 \u062a\u0632\u0627\u064a\u062f \u0639\u062f\u062f \u0627\u0644\u0633\u0643\u0627\u0646 \u0627\u0644\u0645\u0633\u0644\u0645\u064a\u0646 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0622\u0633\u064a\u0627\u0646 \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629 \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627. <\/p>\n\n<p>\u0627\u0644\u0645\u0648\u0636\u0648\u0639\u0627\u062a <strong>\u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629:<\/strong> <a href=\"https:\/\/ethis.co\/blog\/islamic-fintech-and-islamic-banks\/\">\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 &#8211; \u062a\u0647\u062f\u064a\u062f \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0623\u0645 \u0641\u0631\u0635\u0629\u061f<\/a><\/p>\n\n<h3><span class=\"ez-toc-section\" id=\"%D8%AF%D8%B9%D9%85_%D8%AD%D9%83%D9%88%D9%85%D9%8A_%D9%82%D9%88%D9%8A_%D9%84%D9%84%D8%A7%D9%82%D8%AA%D8%B5%D8%A7%D8%AF_%D8%A7%D9%84%D8%B1%D9%82%D9%85%D9%8A\"><\/span><strong>\u062f\u0639\u0645 \u062d\u0643\u0648\u0645\u064a \u0642\u0648\u064a \u0644\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p>\u0628\u062f\u0648\u0646 \u0639\u0645\u0648\u062f \u0641\u0642\u0631\u064a \u0623\u0648 \u0642\u0627\u0639\u062f\u0629 \u0635\u0644\u0628\u0629 \u060c \u0633\u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0635\u0639\u0628 \u0639\u0644\u0649 \u0623\u064a \u062d\u0643\u0648\u0645\u0629 \u0623\u0648 \u0627\u0642\u062a\u0635\u0627\u062f \u062a\u0637\u0648\u064a\u0631 \u0623\u0648 \u0625\u0646\u0634\u0627\u0621 \u0625\u0637\u0627\u0631 \u0635\u0646\u0627\u0639\u064a.<\/p>\n\n<p>\u0645\u0647\u062f\u062a \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0642\u0648\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u060c \u0648\u0627\u0644\u0645\u0634\u0647\u062f \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u060c \u0648\u0645\u062c\u062a\u0645\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u062f\u0627\u0639\u0645 \u0648\u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0628\u062f\u0639\u0645 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u060c \u0627\u0644\u0637\u0631\u064a\u0642 \u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0644\u062a\u0635\u0628\u062d \u0645\u0631\u0643\u0632\u064b\u0627 \u0639\u0627\u0644\u0645\u064a\u064b\u0627 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u0631\u064a\u0631 INCEIF&#8217;s <a href=\"https:\/\/www.inceif.org\/fintech\/\" target=\"_blank\" rel=\"noreferrer noopener\">Islamic Fintech in Malaysia Reality &amp; Outlook<\/a> . <\/p>\n\n<p>\u0627\u0644\u0622\u0646 \u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0623\u0646 \u062a\u0636\u0639 \u0628\u0633\u0647\u0648\u0644\u0629 \u0625\u0631\u0634\u0627\u062f\u0627\u062a \u0648\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0634\u0627\u0645\u0644\u0629 \u0644\u0627\u0632\u0645\u0629 \u0644\u0644\u0627\u0639\u0628\u064a\u0646 \u0641\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u062a\u0634\u063a\u064a\u0644 \u0623\u0639\u0645\u0627\u0644\u0647\u0645 \u060c \u0645\u0645\u0627 \u0633\u064a\u0633\u0627\u0639\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u062a\u064a \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0628\u0633\u0631\u0639\u0629 \u0648\u062d\u0633\u0645 \u0623\u062b\u0646\u0627\u0621 \u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642\u0647\u0627. <\/p>\n\n<p>\u0643\u0645\u0627 \u0633\u0627\u0639\u062f \u0648\u062c\u0648\u062f \u0646\u0638\u0627\u0645 \u0645\u0627\u0644\u064a \u0625\u0633\u0644\u0627\u0645\u064a \u0646\u0627\u0636\u062c \u0628\u0627\u0644\u0641\u0639\u0644 \u0641\u064a \u062c\u0630\u0628 \u0644\u0627\u0639\u0628\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0625\u0644\u0649 \u0645\u0627\u0644\u064a\u0632\u064a\u0627. \u0639\u0644\u0649 \u0639\u0643\u0633 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0623\u062e\u0631\u0649 \u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0627\u0639\u0628\u064a\u0646 \u0627\u0644\u0645\u062d\u0644\u064a\u064a\u0646 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0644\u0641\u062d\u0635 \u0645\u0646\u062a\u062c\u0627\u062a\u0647\u0645 \u0648\u062e\u062f\u0645\u0627\u062a\u0647\u0645 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646\u0647\u0627 \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0641. \u0648\u0628\u0627\u0644\u0645\u062b\u0644 \u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0623\u064a\u0636\u064b\u0627 \u0623\u0646 \u062a\u0632\u0648\u062f \u0647\u0624\u0644\u0627\u0621 \u0627\u0644\u0641\u0627\u0639\u0644\u064a\u0646 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u062e\u062f\u0645\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u062a\u0645\u0648\u064a\u0644 \u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0634\u0627\u0645\u0644\u0629.<\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"793\" src=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screen-Shot-2021-06-27-at-1.06.01-AM-1024x793.png\" alt=\"&#x62F;&#x639;&#x645; &#x62D;&#x643;&#x648;&#x645;&#x64A; &#x642;&#x648;&#x64A; &#x644;&#x644;&#x627;&#x642;&#x62A;&#x635;&#x627;&#x62F; &#x627;&#x644;&#x631;&#x642;&#x645;&#x64A;\" class=\"wp-image-3312\" srcset=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screen-Shot-2021-06-27-at-1.06.01-AM-1024x793.png 1024w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screen-Shot-2021-06-27-at-1.06.01-AM-300x232.png 300w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screen-Shot-2021-06-27-at-1.06.01-AM-768x595.png 768w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screen-Shot-2021-06-27-at-1.06.01-AM.png 1288w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption><em>\u0623\u062f\u0631\u062c\u062a MDEC \u0647\u0630\u0647 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0633\u062a\u0629 \u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647\u0627 \u0627\u0644\u062f\u0648\u0627\u0641\u0639 \u0648\u0631\u0627\u0621 \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627. (\u0645\u0635\u062f\u0631: <\/em><a href=\"https:\/\/mdec.my\/wp-content\/uploads\/MDEC-Islamic-Fintech-Dialogue-Report-2020.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><em>MDEC<\/em><\/a> <em>)<\/em><\/figcaption><\/figure>\n<p>\u0623\u062f\u0649 \u0627\u0644\u062f\u0648\u0631 \u0627\u0644\u0631\u064a\u0627\u062f\u064a \u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a (MDEC) \u0641\u064a \u062f\u0641\u0639 \u0623\u062c\u0646\u062f\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0625\u0644\u0649 \u0625\u0646\u0634\u0627\u0621 \u0646\u0638\u0627\u0645 \u0628\u064a\u0626\u064a \u0645\u0648\u0627\u062a\u064d \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0632\u062f\u0647\u0631 \u0641\u064a\u0647 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. <\/p>\n\n<p>\u0642\u0627\u0644\u062a \u0633\u0648\u0631\u064a\u0646\u0627 \u0634\u0643\u0631\u064a \u060c \u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0645\u0624\u0633\u0633\u0629 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0644\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a: &#8220;\u0645\u0646 \u062e\u0644\u0627\u0644 \u0646\u0638\u0627\u0645\u0646\u0627 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0627\u0644\u0642\u0648\u064a \u0644\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u062f\u0627\u062e\u0644 \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u0623\u0639\u0636\u0627\u0621 \u0641\u064a \u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a (OIC) \u060c \u0644\u062f\u064a\u0646\u0627 \u0645\u064a\u0632\u0629 \u0646\u0633\u0628\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0622\u062e\u0631\u064a\u0646 \u0641\u064a \u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645&#8221;. (MDEC).<\/p>\n\n<p>\u0648\u0623\u0636\u0627\u0641\u062a: &#8220;\u062a\u0642\u062f\u0645 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0645\u0646\u0635\u0629 \u0645\u062b\u0627\u0644\u064a\u0629 \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u0637\u0631\u062d \u0639\u0631\u0648\u0636 \u0645\u0646\u062a\u062c\u0627\u062a\u0647\u0627 \u0642\u0628\u0644 \u0627\u0644\u062f\u062e\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0628\u0644\u062f\u0627\u0646 \u0627\u0644\u0623\u062e\u0631\u0649 \u0630\u0627\u062a \u0627\u0644\u0623\u063a\u0644\u0628\u064a\u0629 \u0627\u0644\u0645\u0633\u0644\u0645\u0629&#8221;. <\/p>\n\n<p>\u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0643\u0644\u064a \u060c \u0627\u062e\u062a\u0627\u0631\u062a \u062d\u0643\u0648\u0645\u0629 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0643\u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 (KEGA) \u0644\u0644\u0628\u0644\u0627\u062f. \u064a\u0639\u0645\u0644 \u0647\u0630\u0627 \u0639\u0644\u0649 \u062a\u0633\u0631\u064a\u0639 \u0623\u062c\u0646\u062f\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u064a\u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u062b\u0642\u0629 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0641\u064a \u062f\u0639\u0645 \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629. <\/p>\n\n<p>\u0648\u0635\u0644\u062a \u0645\u0633\u0627\u0647\u0645\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0625\u0644\u0649 20\u066a \u0641\u064a \u0639\u0627\u0645 2020 \u060c \u062d\u064a\u062b \u0627\u0631\u062a\u0641\u0639\u062a \u0645\u0646 19.1\u066a \u0623\u0648 289 \u0645\u0644\u064a\u0627\u0631 \u0631\u064a\u0646\u063a\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a \u0641\u064a \u0639\u0627\u0645 2019 \u060c \u0648\u0641\u0642\u064b\u0627 <a rel=\"noreferrer noopener\" href=\"https:\/\/mdec.my\/news\/malaysia-builds-strong-investment-momentum-in-digital-and-tech-sector\/\" target=\"_blank\">\u0644\u062f\u0627\u0626\u0631\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629<\/a> .<\/p>\n\n<p>\u0627\u0644\u0645\u0648\u0636\u0648\u0639\u0627\u062a <strong>\u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629:<\/strong> <a href=\"https:\/\/ethis.co\/blog\/%d8%a7%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5%d8%b3%d9%84%d8%a7%d9%85%d9%8a%d8%a9-%d9%81%d9%82%d8%a7%d8%b9%d8%a9\/?lang=ar\">\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629: \u0641\u0642\u0627\u0639\u0629 \u0623\u0645 \u0637\u0641\u0631\u0629\u061f<\/a><\/p>\n\n<h2><span class=\"ez-toc-section\" id=\"%D8%AA%D9%88%D8%B3%D9%8A%D8%B9_%D8%A7%D9%84%D8%A7%D9%82%D8%AA%D8%B5%D8%A7%D8%AF_%D8%A7%D9%84%D8%B1%D9%82%D9%85%D9%8A_%D9%81%D9%8A_%D9%85%D8%A7%D9%84%D9%8A%D8%B2%D9%8A%D8%A7\"><\/span><strong>\u062a\u0648\u0633\u064a\u0639 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>\u0648\u0644\u0643\u0646 \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0628\u064a\u0626\u064a \u0627\u0644\u0646\u0627\u0636\u062c \u0648\u0627\u0644\u062f\u0627\u0639\u0645 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u060c \u0641\u0625\u0646 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0633\u0631\u064a\u0639 \u0627\u0644\u0639\u0627\u0645 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u060c \u0627\u0644\u062a\u064a \u062f\u062e\u0644\u062a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0633\u0627\u0626\u062f \u060c \u062a\u0639\u0645\u0644 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href=\"https:\/\/www.imf.org\/en\/News\/Articles\/2020\/02\/27\/na022820-malaysia-a-flourishing-fintech-ecosystem\" target=\"_blank\" rel=\"noreferrer noopener\">\u0644\u062a\u062d\u0644\u064a\u0644<\/a> \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062f\u0648\u0644\u064a. <\/p>\n\n<p>\u064a\u0630\u0643\u0631 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062f\u0648\u0644\u064a \u0623\u0646\u0647 \u0644\u064a\u0633 \u0645\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u0623\u0644\u0648\u0641 \u0627\u0644\u064a\u0648\u0645 \u0623\u0646 \u0646\u0631\u0649 \u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0648\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0648\u062a\u0642\u0646\u064a\u0627\u062a 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srcset=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/eng-feb-21-malaysia-fintech-overview-62.jpeg 550w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/eng-feb-21-malaysia-fintech-overview-62-203x300.jpeg 203w\" sizes=\"(max-width: 413px) 100vw, 413px\" \/><figcaption><em>\u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u060c \u062a\u0642\u0648\u062f \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u0637\u0631\u064a\u0642 \u0641\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629. (\u0645\u0635\u062f\u0631: <\/em><a href=\"https:\/\/www.imf.org\/en\/News\/Articles\/2020\/02\/27\/na022820-malaysia-a-flourishing-fintech-ecosystem\" target=\"_blank\" rel=\"noreferrer noopener\"><em>\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062f\u0648\u0644\u064a<\/em><\/a> <em>)<\/em> <\/figcaption><\/figure><\/div>\n\n<p>\u0643\u0645\u0627 \u0633\u0627\u0639\u062f \u0645\u0634\u0647\u062f \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0645\u062a\u0646\u0627\u0645\u064a \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0639\u0644\u0649 \u062c\u0639\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0623\u0643\u062b\u0631 \u0641\u0627\u0639\u0644\u064a\u0629 \u060c \u0643\u0645\u0627 \u064a\u0642\u0648\u0644 \u0635\u0646\u062f\u0648\u0642 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id=\"%D9%85%D8%A7_%D9%87%D9%8A_%D8%A7%D9%84%D8%AE%D8%B7%D9%88%D8%A9_%D8%A7%D9%84%D8%AA%D8%A7%D9%84%D9%8A%D8%A9_%D9%84%D8%B4%D8%B1%D9%83%D8%A7%D8%AA_%D8%A7%D9%84%D8%AA%D9%83%D9%86%D9%88%D9%84%D9%88%D8%AC%D9%8A%D8%A7_%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9_%D9%81%D9%8A_%D9%85%D8%A7%D9%84%D9%8A%D8%B2%D9%8A%D8%A7%D8%9F\"><\/span><strong>\u0645\u0627 \u0647\u064a \u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627\u061f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p>\u0644\u0627 \u064a\u0632\u0627\u0644 \u0646\u0638\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 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\u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u060c \u0641\u0636\u0644\u0627\u064b \u0639\u0646 \u0623\u0646 \u062a\u0635\u0628\u062d \u0645\u0631\u0643\u0632\u064b\u0627 \u0625\u0642\u0644\u064a\u0645\u064a\u064b\u0627 \u0634\u0627\u0645\u0644\u0627\u064b \u064a\u0642\u062f\u0645 \u0627\u0644\u062f\u0639\u0645 \u0627\u0644\u062a\u0642\u0646\u064a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a \u0648\u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a. <\/p>\n\n<p>\u0627\u0644\u0645\u0648\u0636\u0648\u0639\u0627\u062a <strong>\u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629:<\/strong> <a href=\"https:\/\/ethis.co\/blog\/fintech-towards-sustainable-innovation\/\">\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629: \u0642\u0648\u0629 \u0646\u062d\u0648 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645\u061f<\/a><\/p>\n\n<p>\u0641\u0642\u0637 \u0627\u0644\u0648\u0642\u062a \u0647\u0648 \u0627\u0644\u0630\u064a \u0633\u064a\u062e\u0628\u0631\u0646\u0627 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u062a\u0631\u0642\u0649 \u0625\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0625\u0645\u0643\u0627\u0646\u0627\u062a\u0647\u0627. <\/p>\n\n<h2><span class=\"ez-toc-section\" id=\"Ethis_%E2%80%93_%D9%82%D9%8A%D8%A7%D8%AF%D8%A9_%D9%86%D9%85%D9%88_%D9%85%D8%A7%D9%84%D9%8A%D8%B2%D9%8A%D8%A7_%D9%81%D9%8A_%D9%85%D8%AC%D8%A7%D9%84_%D8%A7%D9%84%D8%AA%D9%83%D9%86%D9%88%D9%84%D9%88%D8%AC%D9%8A%D8%A7_%D8%A7%D9%84%D9%85%D8%A7%D9%84%D9%8A%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9\"><\/span><strong>Ethis &#8211; \u0642\u064a\u0627\u062f\u0629 \u0646\u0645\u0648 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"556\" src=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Islamic-Fintech-Malaysia-1024x556.png\" alt=\"\" class=\"wp-image-3314\" srcset=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Islamic-Fintech-Malaysia-1024x556.png 1024w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Islamic-Fintech-Malaysia-300x163.png 300w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Islamic-Fintech-Malaysia-768x417.png 768w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Islamic-Fintech-Malaysia-1536x834.png 1536w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Islamic-Fintech-Malaysia.png 1904w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption><em>\u062a\u0634\u0643\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 4\u066a \u0645\u0646 \u0645\u0633\u0627\u062d\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627 (\u0627\u0644\u0645\u0635\u062f\u0631:<\/em> <a href=\"https:\/\/fintechnews.my\/wp-content\/uploads\/2021\/05\/Fintech-Report-Malaysia-2021-Fintech-News-Malaysia-x-BigPay.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Fintechnews.com<\/em><\/a> <em>)<\/em><\/figcaption><\/figure>\n<p>\u062a\u064f\u0639\u0631\u0641 Ethis \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639 \u0628\u0623\u0646\u0647\u0627 \u0631\u0627\u0626\u062f\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644 \u060c \u0628\u0639\u062f \u0623\u0646 \u0641\u0627\u0632\u062a \u0628\u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062c\u0648\u0627\u0626\u0632 \u0648\u0627\u0644\u0623\u0648\u0633\u0645\u0629 \u0639\u0644\u0649 \u0645\u062f\u0627\u0631 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0642\u0644\u064a\u0644\u0629 \u0627\u0644\u0645\u0627\u0636\u064a\u0629. \u062a\u0645 \u062a\u0623\u0633\u064a\u0633 Ethis \u0643\u0646\u0627\u062f\u064a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u062e\u0627\u0635 \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629 \u0641\u064a \u0639\u0627\u0645 2014 \u0642\u0628\u0644 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0625\u0644\u0649 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u060c \u0648\u062d\u0635\u0644\u062a Ethis \u0645\u0624\u062e\u0631\u064b\u0627 &#8211; \u0641\u064a \u0623\u0648\u0627\u062e\u0631 \u0639\u0627\u0645 2020 &#8211; \u0639\u0644\u0649 \u0623\u0648\u0644 \u0631\u062e\u0635\u0629 \u062a\u0645\u0648\u064a\u0644 \u062c\u0645\u0627\u0639\u064a \u0644\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629 \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u0646 \u0642\u0628\u0644 \u0647\u064a\u0626\u0629 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627.<\/p>\n\n<p>\u062a\u0642\u0639 \u063a\u0627\u0644\u0628\u064a\u0629 \u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u062c\u0645\u0648\u0639\u0629 \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u060c \u062d\u064a\u062b \u062d\u0635\u0644\u062a \u0639\u0644\u0649 \u0645\u0648\u0627\u0641\u0642\u0629 \u062a\u0633\u062c\u064a\u0644 \u062a\u0645\u0648\u064a\u0644 P2P \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0628\u0634\u062f\u0629 \u0645\u0646 \u0647\u064a\u0626\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0639\u0627\u0645 2019. \u062a\u062a\u0648\u0627\u062c\u062f Ethis \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0645\u0646\u0630 \u0639\u0627\u0645 2015 \u0648\u0642\u062f \u0642\u0627\u0645\u062a \u0628\u0645\u0636\u0627\u0647\u0627\u0629 \u0645\u0633\u062a\u062b\u0645\u0631\u064a \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0645\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 50 \u062f\u0648\u0644\u0629 \u0641\u064a \u062d\u0645\u0644\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0624\u062b\u0631 \u060c \u0648\u0627\u0644\u062a\u064a \u0631\u0643\u0632\u062a \u0641\u064a \u0627\u0644\u0628\u062f\u0627\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0644\u0644\u0625\u0633\u0643\u0627\u0646 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a \u0648\u062c\u0645\u0639 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0645\u0624\u062e\u0631\u064b\u0627 \u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0633\u0644\u0633\u0644\u0629 \u0627\u0644\u062a\u0648\u0631\u064a\u062f \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0630\u0627\u062a \u0627\u0644\u0634\u0639\u0628\u064a\u0629 \u0627\u0644\u0643\u0628\u064a\u0631\u0629. <\/p>\n\n<p>\u062a\u062f\u064a\u0631 Ethis Group \u062d\u0627\u0644\u064a\u064b\u0627 \u0645\u0646\u0635\u0627\u062a \u062a\u0645\u0648\u064a\u0644 \u062c\u0645\u0627\u0639\u064a \u0623\u062e\u0644\u0627\u0642\u064a\u0629 \u0648\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0643\u0644 \u0645\u0646 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0648\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0648\u0642\u0631\u064a\u0628\u064b\u0627 \u0641\u064a \u0628\u0644\u062f\u0627\u0646 \u0623\u062e\u0631\u0649. \u062a\u062a\u0643\u0648\u0646 \u0627\u0644\u0645\u062c\u0645\u0648\u0639\u0629 \u062d\u0627\u0644\u064a\u064b\u0627 \u0645\u0646 <a href=\"https:\/\/ethis.co\/my\/\">Ethis Malaysia<\/a> \u0648 <a href=\"https:\/\/ethis.co\/id\/\">Ethis Indonesia<\/a> \u0648 <a href=\"https:\/\/www.globalsadaqah.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">GlobalSadaqah<\/a> . <\/p>\n\n<h3><span class=\"ez-toc-section\" id=\"%D9%8A%D8%B9%D9%85%D9%84_Ethis_%D8%AD%D8%A7%D9%84%D9%8A%D9%8B%D8%A7\"><\/span>\u064a\u0639\u0645\u0644 Ethis \u062d\u0627\u0644\u064a\u064b\u0627:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p><strong>(1) <a href=\"https:\/\/ethis.co\/my\/\">Ethis Malaysia<\/a><\/strong> : \u0645\u0646\u0635\u0629 \u062a\u0645\u0648\u064a\u0644 \u062c\u0645\u0627\u0639\u064a \u0645\u0646\u0638\u0645 \u0644\u0644\u0623\u0633\u0647\u0645 \u062a\u0631\u0643\u0632 \u0639\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0641\u064a \u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0632\u0631\u0627\u0639\u0629 \u0648\u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0648\u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0648\u0627\u0644\u0648\u0642\u0641 (\u0645\u0627\u0644\u064a\u0632\u064a\u0627) <\/p>\n\n<p>\u0643\u0645\u0646\u0635\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0644\u0644\u0623\u0633\u0647\u0645 \u060c \u062a\u062a\u0637\u0627\u0628\u0642 Ethis \u0645\u0639 \u0627\u0644\u0645\u0635\u062f\u0631\u064a\u0646 (\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629) \u0648\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646. \u062a\u0641\u0631\u0636 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062c\u0645\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0639\u0644\u0649 \u0645\u0646\u0635\u062a\u0647\u0627 \u0631\u0633\u0648\u0645\u064b\u0627 \u062a\u0639\u0627\u062f\u0644 6 %-10% \u0645\u0646 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u064f\u062c\u0645\u0639. \u064a\u062a\u0645 \u062a\u0637\u0628\u064a\u0642 \u0631\u0633\u0648\u0645 \u0645\u062a\u0646\u0648\u0639\u0629 \u0623\u062e\u0631\u0649 \u0639\u0644\u0649 \u062e\u062f\u0645\u0627\u062a \u0645\u062b\u0644 \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0648\u0627\u0644\u0625\u0639\u062f\u0627\u062f \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0627\u0644\u0644\u0627\u062d\u0642\u0629 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631. <\/p>\n\n<p><strong>(2) <a href=\"https:\/\/ethis.co\/id\/\">Ethis Indonesia<\/a> :<\/strong> \u0645\u0646\u0635\u0629 P2P \u0645\u0646\u0638\u0645\u0629 \u060c \u062a\u0632\u0648\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0628\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 \u0628\u0647\u0648\u0627\u0645\u0634 \u0631\u0628\u062d \u062c\u064a\u062f\u0629. \u0641\u064a \u0627\u0644\u0645\u0627\u0636\u064a \u060c \u0642\u062f\u0645\u062a \u062a\u0645\u0648\u064a\u0644\u064b\u0627 \u0645\u062a\u0648\u0627\u0641\u0642\u064b\u0627 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0639\u0642\u0627\u0631\u064a\u0629 \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0630\u0627\u062a \u062a\u0623\u062b\u064a\u0631 \u0627\u062c\u062a\u0645\u0627\u0639\u064a.<\/p>\n\n<p><strong>(3) <a href=\"https:\/\/globalsadaqah.com\/\">GlobalSadaqah<\/a> :<\/strong> \u0645\u0646\u0635\u0629 \u062e\u064a\u0631\u064a\u0629 \u0648\u0632\u0643\u0627\u0629 \u0648\u0648\u0642\u0641<\/p>\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"436\" height=\"194\" src=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Islamic-Fintech.png\" alt=\"\" class=\"wp-image-3315\" srcset=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Islamic-Fintech.png 436w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Islamic-Fintech-300x133.png 300w\" sizes=\"(max-width: 436px) 100vw, 436px\" \/><figcaption><em>\u0627\u0644\u0623\u062e\u0644\u0627\u0642 \u0645\u0646 \u0628\u064a\u0646 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649 \u0641\u064a \u0645\u0627\u0644\u064a\u0632\u064a\u0627. (\u0645\u0635\u062f\u0631: <\/em><a href=\"https:\/\/fintechnews.my\/wp-content\/uploads\/2021\/05\/Fintech-Report-Malaysia-2021-Fintech-News-Malaysia-x-BigPay.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Fintechnews.com<\/em><\/a> <em>)<\/em><\/figcaption><\/figure><\/div>\n\n<p>\u0645\u062f\u0641\u0648\u0639\u0629 \u0628\u0645\u0647\u0645\u062a\u0647\u0627 \u0627\u0644\u0645\u062a\u0645\u062b\u0644\u0629 \u0641\u064a \u062f\u0641\u0639 \u0627\u0644\u062a\u062f\u0627\u0648\u0644 \u0627\u0644\u0641\u0639\u0627\u0644 \u0648\u0627\u0644\u0645\u0624\u062b\u0631 \u0644\u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0641\u064a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u062d\u0642\u064a\u0642\u064a \u060c \u0641\u0636\u0644\u0627\u064b \u0639\u0646 \u0631\u0624\u064a\u062a\u0647\u0627 \u0644\u0644\u0627\u0631\u062a\u0642\u0627\u0621 \u0628\u0627\u0644\u0625\u0646\u0633\u0627\u0646\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u060c \u0642\u0627\u0645\u062a \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0628\u062a\u0645\u0648\u064a\u0644 \u0623\u0643\u062b\u0631 \u0645\u0646 1910 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064b\u0627 \u0645\u062b\u064a\u0631\u064b\u0627 \u0644\u0644\u0625\u0639\u062c\u0627\u0628 \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0648\u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0645\u0646 47 \u062f\u0648\u0644\u0629. <\/p>\n\n<p>\u0627\u0644\u0645\u0648\u0636\u0648\u0639\u0627\u062a <strong>\u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629:<\/strong> <a href=\"https:\/\/ethis.co\/blog\/fintech-indonesia-islamic-outlook\/\">\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627: \u0646\u0638\u0631\u0629 \u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/a><\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"586\" src=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screen-Shot-2021-06-27-at-1.53.52-AM-1024x586.png\" alt=\"&#x627;&#x644;&#x642;&#x637;&#x627;&#x639;&#x627;&#x62A; &#x627;&#x644;&#x623;&#x631;&#x628;&#x639;&#x629; &#x627;&#x644;&#x631;&#x626;&#x64A;&#x633;&#x64A;&#x629; &#x627;&#x644;&#x62A;&#x64A; &#x62A;&#x631;&#x643;&#x632; &#x639;&#x644;&#x64A;&#x647;&#x627; &#x625;&#x64A;&#x62B;&#x64A;&#x633; &#x647;&#x630;&#x627; &#x627;&#x644;&#x639;&#x627;&#x645;\" class=\"wp-image-3316\" srcset=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screen-Shot-2021-06-27-at-1.53.52-AM-1024x586.png 1024w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screen-Shot-2021-06-27-at-1.53.52-AM-300x172.png 300w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screen-Shot-2021-06-27-at-1.53.52-AM-768x439.png 768w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screen-Shot-2021-06-27-at-1.53.52-AM-1536x878.png 1536w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/07\/Screen-Shot-2021-06-27-at-1.53.52-AM.png 1630w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption><em>\u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0639\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0631\u0643\u0632 \u0639\u0644\u064a\u0647\u0627 \u0625\u064a\u062b\u064a\u0633 \u0647\u0630\u0627 \u0627\u0644\u0639\u0627\u0645<\/em><\/figcaption><\/figure>\n<p>\u062a\u0634\u0645\u0644 \u0628\u0639\u0636 \u0625\u0646\u062c\u0627\u0632\u0627\u062a\u0647\u0645 \u0627\u0644\u062c\u062f\u064a\u0631\u0629 \u0628\u0627\u0644\u0645\u0644\u0627\u062d\u0638\u0629 \u0627\u0644\u0646\u062c\u0627\u062d \u0641\u064a \u062c\u0645\u0639 4.6 \u0645\u0644\u064a\u0648\u0646 \u0631\u064a\u0646\u062c\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a \u0644\u0645\u0634\u0631\u0648\u0639 \u0635\u063a\u064a\u0631 \u0648\u0645\u062a\u0648\u0633\u0637 \u0641\u064a \u0623\u0642\u0644 \u0645\u0646 \u064a\u0648\u0645 \u0648\u0627\u062d\u062f \u0645\u0646 \u062e\u0644\u0627\u0644 Ethis Indonesia \u061b \u0628\u0645\u062a\u0648\u0633\u0637 \u062d\u062c\u0645 \u062a\u0645\u0648\u064a\u0644 \u062c\u0645\u0627\u0639\u064a \u064a\u0628\u0644\u063a 3 \u0645\u0644\u0627\u064a\u064a\u0646 \u0631\u064a\u0646\u063a\u064a\u062a \u0645\u0627\u0644\u064a\u0632\u064a \u0634\u0647\u0631\u064a\u064b\u0627 \u061b \u0648\u0628\u0646\u0627\u0621 \u0623\u0648\u0644 \u0645\u0633\u062c\u062f \u0641\u064a \u0627\u0644\u0639\u0627\u0644\u0645 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0631\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0630\u0631\u0627\u0639\u0647\u0645 \u0627\u0644\u062e\u064a\u0631\u064a\u0629 GlobalSadaqah. <\/p>\n\n<p>\u0645\u0646 \u0639\u0627\u0645 2016 \u0625\u0644\u0649 \u0639\u0627\u0645 2019 \u060c \u062c\u0645\u0639\u062a \u0625\u064a\u062b\u064a\u0633 18 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0643\u0623\u0645\u0648\u0627\u0644 \u0645\u0624\u0642\u062a\u0629 \u0644\u0628\u0646\u0627\u0621 9700 \u0645\u0646\u0632\u0644 \u0628\u0642\u064a\u0645\u0629 \u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0642\u062f\u0631\u0647\u0627 146.3 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u060c \u0627\u0633\u062a\u0641\u0627\u062f \u0645\u0646\u0647\u0627 38800 \u0634\u062e\u0635 \u0643\u062c\u0632\u0621 \u0645\u0646 \u062a\u0631\u0643\u064a\u0632\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0625\u0633\u0643\u0627\u0646 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a \u0627\u0644\u0645\u064a\u0633\u0648\u0631 \u0627\u0644\u062a\u0643\u0644\u0641\u0629. \u062a\u0631\u0643\u0632 \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u064a\u0648\u0645 \u0628\u0634\u0643\u0644 \u0623\u0633\u0627\u0633\u064a \u0639\u0644\u0649 \u062c\u0645\u0639 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629. <\/p>\n\n<p>\u0641\u064a \u0627\u0644\u0645\u062c\u0645\u0644 \u060c \u0642\u0627\u0645\u062a Ethis \u0628\u062a\u0645\u0648\u064a\u0644 \u0645\u0627 \u064a\u0632\u064a\u062f \u0639\u0646 1910 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064b\u0627 \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0648\u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0645\u0646 47 \u062f\u0648\u0644\u0629 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u062a\u0633\u0647\u064a\u0644 14k + \u062a\u0628\u0631\u0639\u0627\u062a \u0645\u0646 84 \u062f\u0648\u0644\u0629 \u0643\u062c\u0632\u0621 \u0645\u0646 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0627\u0644\u062e\u064a\u0631\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0627.<\/p>\n\n<p>\u062a\u062d\u0643\u064a \u0623\u0631\u0642\u0627\u0645\u0646\u0627 \u0642\u0635\u0629 \u0623\u0648\u0636\u062d \u0639\u0646 \u0628\u0635\u0645\u062a\u0646\u0627 \u062d\u062a\u0649 \u0627\u0644\u0622\u0646. \u0627\u0646\u0636\u0645 \u0625\u0644\u064a\u0646\u0627 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0631\u062d\u0644\u0629 \u0625\u0644\u0649 #CirculateGood<\/p>\n<div class=\"rns\" data-title=\"\u0645\u0627\u0644\u064a\u0632\u064a\u0627: \u0645\u0631\u0643\u0632 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u061f\" data-tags=\"\" data-categories=\"Fintech,\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\" data-comments=\"0\" data-date=\"1642048588000\" data-author=\"Anis Shakirah\" data-single=\"\" data-url=\"https:\/\/ethis.co\/blog\/%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%85%d8%b1%d9%83%d8%b2-%d9%84%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5\/\"><\/div> <!-- Check out https:\/\/reactandshare.com -->","protected":false},"excerpt":{"rendered":"<p>\u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0642\u062f \u062a\u0643\u0648\u0646 \u0627\u0644\u0632\u0639\u064a\u0645 \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a \u0628\u0644\u0627 \u0645\u0646\u0627\u0632\u0639 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u0631\u064a\u0627\u062f\u062a\u0647 \u0644\u0645\u0624\u0634\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0644\u0644\u0639\u0627\u0645 \u0627\u0644\u062b\u0627\u0645\u0646 \u0639\u0644\u0649 \u0627\u0644\u062a\u0648\u0627\u0644\u064a \u0628\u0641\u0636\u0644 \u0645\u0628\u0627\u062f\u0631\u0627\u062a\u0647 \u0648\u0646\u0638\u0627\u0645\u0647 \u0627\u0644\u0628\u064a\u0626\u064a \u0627\u0644\u0642\u0648\u064a \u0641\u064a &hellip; <span class=\"read-more-link\"><a class=\"read-more\" href=\"https:\/\/ethis.co\/blog\/%d9%85%d8%a7%d9%84%d9%8a%d8%b2%d9%8a%d8%a7-%d9%85%d8%b1%d9%83%d8%b2-%d9%84%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d8%a7%d9%84%d8%a5\/\">Read More 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