Credit Sales and Credit Sales (Bags. 10)

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In previous writings, things have been explained related to credit buying and selling. Starting from the definition to the requirements in buying and selling credit. As is well known, in buying and selling credit there are differences of opinion among the scholars about whether or not it is permissible. So that the scholars who allow it are very strict in establishing credit buying and selling requirements.

Therefore, this shows that caution is needed to buy and sell credit. Cannot be careless in conducting credit buying and selling transactions. Requirements, both in form ‘Iwadh (values and goods) or ‘time (time limit or maturity), must be fulfilled. If not, then the transaction is invalid and there is no blessing on the transaction.

As a reminder, that buying and selling credit is very closely related to debt. Prophet sallallaahu ‘alaihi wa sallam say,

The soul of a believer was suspended by his religion until he was eliminated

“The soul of a believer depends (restrained) on his debt, until the debt is paid off.” (Hours in Tirmidzi and narrated by Sheikh al-Albani)

It can be said, there is no form of credit in buying and selling transactions in the past. Buying and selling in the past is in the form of barter goods with goods, or money with goods. While debt is only done if it is really unable and in need. Until the time came the credit card in the era of the 90s, which first appeared in America. So that paying by postponing the alias “debt” (then the goods are given at the beginning), becomes very liked.

At present, presumably credit -based credit trading transactions or the like have begun to decline and be replaced with more practical and easy transactions. Application based on only a little personal data and touches from fingers. With the naming brought towards “modern”, called “Paylater”, which can be interpreted with “Pay later”. Simple terms and words to be accepted by all circles.

“Paylater” It can be said to be successful to make people who do not have anything to have everything. Remarkably, there is often no desire to buy an item. Due to the sweet term, finally the desires that are implied must be forced to be purchased. Take it easy, later you can pay at the end.

In fact, often piety must be mortgaged by it. The momentary desire that you want to have quickly, a high prestige that does not want to be competed, forces to mortgage the piety. Thus the reality that exists at this time.

Jabir bin Abdillah Radhiyallahu ‘anhu once told me that one day, Umar bin Khattab Radhiyallahu ‘anhu See the meat brought by Jabir. “Umar said,” Is this, O Jabir? ” Jabir even said, “I really want meat, so I bought it.” Then said Umar,

Or do you not like it?

“What do you want and then buy it?

The question is a question in the form of denial, meaning that not everything you want must be purchased. Then it is true that the words if drawn in the current condition. Of course not everything you want must be bought. Especially if that ability does not exist.

When the ability to buy an item does not yet exist, then someone forces to obtain it above from his ability, then this will affect himself, he will be stylish or act above his ability. Moreover, what he bought is a credit or debt, of course it will be even more dangerous. He will be encouraged to buy something that is Implusive And forced to style above his ability and forced to reach his finances in that position.

From here it can be seen, in the sale and purchase of credit transactions there are very many negative things that can be obtained. Among these are also someone will become accustomed to owed. Because the current debt doors are very much. Because of the tempting interest or usury, it makes the service provider “debt” continues to offer the sweetener words: “Just buy it first, pay it later.”

Such is the sentence that is often presented, which if behind the sentence will turn into “rather than stagnate money (not spinning), it is better to lend it so that it can take advantage of the interest.” So that it is mushrooming applications that are in the form of money loans, or the trend language is “LOAN” (loan on line).

Is not the word of the prophet enough sallallaahu ‘alaihi wa sallam When found someone who died in a state of not paying debt?

Pray your friends

“Explore your friends.” (Hours. Bukhari)

Isn’t the Prophet’s attitude enough sallallaahu ‘alaihi wa sallam Who doesn’t want to turn on people who still have debt?

Even martyrs martyrs in the way of Allah, they are not forgiven their sins as long as they still have debt. From Abu Qotadah, he said to me,

For the authority of the messenger of God, may God’s prayer and peace be on it, that He rises in it, so He mentions them that the effort is in the way of Allah and God’s faith o God’s messenger, you see that if I am killed in the way of God, He will not believe in my sins, and a messenger of God, hopefully the prayers and damn are above him, and peace that is not recognized, peace, peace, peace, and peace, and peace, and peace, and peace, and peace, and peace, and peace, and peace, and peace, and peace, and peace. God, may God’s prayer and peace be on him, saying, how do you say, I say, “I have seen, if I kill me. My sin, and God’s messenger, may God’s prayers and peace be on it, saying that you are an inevitable patience.

“From the Prophet Sallallaahu ‘alayhi wa sallam, he once stood before them and said that jihad in the way of Allah and believed in God was the best practice. “The Prophet Sallallaahu ‘Alaihi wa Sallam answered,” that’s true. If you are killed in God’s path when you are patient, hope for Palana, brave, and not running away. “Then the Prophet Sallallaahu ‘Alaihi wa Sallam asked,” What did you say before? “He replied,” What will you think if I am killed in God’s way, will my sin be forgiven? “The Prophet Sallallaahu ‘Alaihi Wa Sallam replied,” Right, if you are patient, do not expect a gift and not run (from The Battle, “Answer,” If you are patient, do not expect a gift and not run (from The Battle, “Answer,” If you are patient, do not expect a gift and not run (from The Battle (Battlefield, “Right, if you are patient, not a gift and not run (from Alaihi wa Sallam,” Right, if you are patient, not a gift and not run (from Alaihi wa Sallam replied, “Right, if you are patient, not a gift and not run (from Alaihi Wa Sallam replied,” Right, if you are patient, not a gift and not running away except debt, Because Gabriel told me that. “

Therefore, a Muslim who is pious should be careful about debt problems, especially in the issue of credit buying and selling transactions. It is best to hold back not to buy until he is able to buy it. Do not force yourself by debt, especially if the debt or credit there are interest.

Hope it is useful. Wallahu a’lam.

[Selesai]

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Depok, 18 Muharam 1447/13 July 2025

Writer: Zia Abdurrofi

Article Muslim.or.id