May 23, 2012

Pesona Riba Charm



Riba Charm

orang serba kepayahan melihat riba sebagai dosa besar
orang mula lapang hidupnya melihat riba sebagai darurat
orang senang banyak melihat riba ikut keperluan dan urusannya
 
tak semua
 
namun kebiasannya perspektif pandangan agama
berbeza di setiap status kehidupan
walau pun hukum asalnya tetap tidak pernah berubah
riba masih lagi satu dari dosa besar
di sisi Tuhan

akhirnya riba kini benar menjadi ujian buat
umat akhir zaman tanpa mengira di status mana
dia sedang berdiri 
 
Pesona Riba

peoples who are facing hard life view riba as a great sin
peoples who getting better in their life view riba as a darurah
people who live in clover view riba based on need and interest
 
not all

but in general, perspective on religious view 
always difference regardless the status of life's
although the original ruling still has not changed
riba is still one of the major sins 
in the sight of God

at last riba really a test to
the ummah of akhir zaman regardless of the status
where they are standing



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riba - usury
darurah- the stage of no choice based on situation in hukum Feqah. 
Akhir zaman- end of time 
  
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In Quran Stated 
from the time It was read by Prophet Muhammad s.a.w 
until the day it will be taken back by Allah

بِسْمِ اللَّهِ الرَّحْمَٰنِ الرَّحِيمِ

الَّذِينَ يَأْكُلُونَ الرِّبَا لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ ۚ ذَٰلِكَ بِأَنَّهُمْ قَالُوا إِنَّمَا الْبَيْعُ مِثْلُ الرِّبَا ۗ وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا ۚ فَمَن جَاءَهُ مَوْعِظَةٌ مِّن رَّبِّهِ فَانتَهَىٰ فَلَهُ مَا سَلَفَ وَأَمْرُهُ إِلَى اللَّهِ ۖ وَمَنْ عَادَ فَأُولَٰئِكَ أَصْحَابُ النَّارِ ۖ هُمْ فِيهَا خَالِدُونَ
Muhsin Khan
Those who eat Riba (usury) will not stand (on the Day of Resurrection) except like the standing of a person beaten by Shaitan (Satan) leading him to insanity. That is because they say: "Trading is only like Riba (usury)," whereas Allah has permitted trading and forbidden Riba (usury). So whosoever receives an admonition from his Lord and stops eating Riba (usury) shall not be punished for the past; his case is for Allah (to judge); but whoever returns [to Riba (usury)], such are the dwellers of the Fire - they will abide therein.
Malay
Orang-orang yang memakan (mengambil) riba itu tidak dapat berdiri betul melainkan seperti berdirinya orang yang dirasuk Syaitan dengan terhuyung-hayang kerana sentuhan (Syaitan) itu. Yang demikian ialah disebabkan mereka mengatakan: "Bahawa sesungguhnya berniaga itu sama sahaja seperti riba". Padahal Allah telah menghalalkan berjual-beli (berniaga) dan mengharamkan riba. Oleh itu sesiapa yang telah sampai kepadanya peringatan (larangan) dari Tuhannya lalu ia berhenti (dari mengambil riba), maka apa yang telah diambilnya dahulu (sebelum pengharaman itu) adalah menjadi haknya, dan perkaranya terserahlah kepada Allah. Dan sesiapa yang mengulangi lagi (perbuatan mengambil riba itu) maka itulah ahli neraka, mereka kekal di dalamnya.
- Al-Quran 2:275

يَمْحَقُ اللَّهُ الرِّبَا وَيُرْبِي الصَّدَقَاتِ ۗ وَاللَّهُ لَا يُحِبُّ كُلَّ كَفَّارٍ أَثِيمٍ
Muhsin Khan
Allah will destroy Riba (usury) and will give increase for Sadaqat (deeds of charity, alms, etc.) And Allah likes not the disbelievers, sinners.
Malay
Allah susutkan (kebaikan harta yang dijalankan dengan mengambil) riba dan Ia pula mengembangkan (berkat harta yang dikeluarkan) sedekah-sedekah dan zakatnya. Dan Allah tidak suka kepada tiap-tiap orang yang kekal terus dalam kekufuran, dan selalu melakukan dosa.
- Al-Quran 2:276

يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ
Muhsin Khan
O you who believe! Be afraid of Allah and give up what remains (due to you) from Riba (usury) (from now onward), if you are (really) believers.
Malay
Wahai orang-orang yang beriman! Bertaqwalah kamu kepada Allah dan tinggalkanlah (jangan menuntut lagi) saki baki riba (yang masih ada pada orang yang berhutang) itu, jika benar kamu orang- orang yang beriman. 
فَإِن لَّمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِّنَ اللَّهِ وَرَسُولِهِ ۖ وَإِن تُبْتُمْ فَلَكُمْ رُءُوسُ أَمْوَالِكُمْ لَا تَظْلِمُونَ وَلَا تُظْلَمُونَ
Muhsin Khan
And if you do not do it, then take a notice of war from Allah and His Messenger but if you repent, you shall have your capital sums. Deal not unjustly (by asking more than your capital sums), and you shall not be dealt with unjustly (by receiving less than your capital sums).
Malay
Oleh itu, kalau kamu tidak juga melakukan (perintah mengenai larangan riba itu), maka ketahuilah kamu: akan adanya peperangan dari Allah dan RasulNya, (akibatnya kamu tidak menemui selamat). Dan jika kamu bertaubat, maka hak kamu (yang sebenarnya) ialah pokok asal harta kamu. (Dengan yang demikian) kamu tidak berlaku zalim kepada sesiapa, dan kamu juga tidak dizalimi oleh sesiapa. 
يَا أَيُّهَا الَّذِينَ آمَنُوا لَا تَأْكُلُوا الرِّبَا أَضْعَافًا مُّضَاعَفَةً ۖ وَاتَّقُوا اللَّهَ لَعَلَّكُمْ تُفْلِحُونَ
Muhsin Khan
O you who believe! Eat not Riba (usury) doubled and multiplied, but fear Allah that you may be successful.
Malay
Wahai orang-orang yang beriman! Janganlah kamu makan atau mengambil riba dengan berlipat-lipat ganda, dan hendaklah kamu bertaqwa kepada Allah supaya kamu berjaya.

وَأَخْذِهِمُ الرِّبَا وَقَدْ نُهُوا عَنْهُ وَأَكْلِهِمْ أَمْوَالَ النَّاسِ بِالْبَاطِلِ ۚ وَأَعْتَدْنَا لِلْكَافِرِينَ مِنْهُمْ عَذَابًا أَلِيمًا
Muhsin Khan
And their taking of Riba (usury) though they were forbidden from taking it and their devouring of men's substance wrongfully (bribery, etc.). And We have prepared for the disbelievers among them a painful torment.
Malay
Dan juga (disebabkan) mereka mengambil riba padahal mereka telah dilarang melakukannya, dan (disebabkan) mereka memakan harta orang dengan jalan yang salah (tipu, judi dan sebagainya). Dan (ingatlah) Kami telah menyediakan bagi orang-orang yang kafir di antara mereka, azab seksa yang tidak terperi sakitnya. 


وَتَرَىٰ كَثِيرًا مِّنْهُمْ يُسَارِعُونَ فِي الْإِثْمِ وَالْعُدْوَانِ وَأَكْلِهِمُ السُّحْتَ ۚ لَبِئْسَ مَا كَانُوا يَعْمَلُونَ
Muhsin Khan
And you see many of them (Jews) hurrying for sin and transgression, and eating illegal things [as bribes and Riba (usury), etc.]. Evil indeed is that which they have been doing.
Malay
Dan engkau lihat kebanyakan dari mereka berlumba-lumba pada melakukan dosa dan pencerobohan serta memakan yang haram. Demi sesungguhnya amatlah buruk apa yang mereka telah lakukan. 

وَلَا تَكُونُوا كَالَّتِي نَقَضَتْ غَزْلَهَا مِن بَعْدِ قُوَّةٍ أَنكَاثًا تَتَّخِذُونَ أَيْمَانَكُمْ دَخَلًا بَيْنَكُمْ أَن تَكُونَ أُمَّةٌ هِيَ أَرْبَىٰ مِنْ أُمَّةٍ ۚ إِنَّمَا يَبْلُوكُمُ اللَّهُ بِهِ ۚ وَلَيُبَيِّنَنَّ لَكُمْ يَوْمَ الْقِيَامَةِ مَا كُنتُمْ فِيهِ تَخْتَلِفُونَ
Muhsin Khan
And be not like her who undoes the thread which she has spun after it has become strong, by taking your oaths a means of deception among yourselves, lest a nation may be more numerous than another nation. Allah only tests you by this [i.e who obeys Allah and fulfills Allah's Covenant and who disobeys Allah and breaks Allah's Covenant]. And on the Day of Resurrection, He will certainly make clear to you that wherein you used to differ [i.e. a believer confesses and believes in the Oneness of Allah and in the Prophethood of Prophet Muhammad SAW which the disbeliever denies it and that was their difference amongst them in the life of this world].
Malay
Dan janganlah kamu menjadi seperti perempuan yang telah merombak satu persatu benda yang dipintalnya, sesudah ia selesai memintalnya kuat teguh; dengan kamu menjadikan sumpah kamu sebagai tipu daya (untuk mencabuli perjanjian yang telah dimeteraikan) sesama kamu, disebabkan adanya satu golongan yang lebih ramai dari golongan lain. Sesungguhnya Allah hanya mahu menguji kamu dengan yang demikian itu; dan Ia sudah tentu akan menerangkan kepada kamu, pada hari kiamat, apa yang kamu berselisihan padanya. 

وَمَا آتَيْتُم مِّن رِّبًا لِّيَرْبُوَ فِي أَمْوَالِ النَّاسِ فَلَا يَرْبُو عِندَ اللَّهِ ۖ وَمَا آتَيْتُم مِّن زَكَاةٍ تُرِيدُونَ وَجْهَ اللَّهِ فَأُولَٰئِكَ هُمُ الْمُضْعِفُونَ
Muhsin Khan
And that which you give in gift (to others), in order that it may increase (your wealth by expecting to get a better one in return) from other people's property, has no increase with Allah, but that which you give in Zakat seeking Allah's Countenance then those, they shall have manifold increase.
Malay
Dan (ketahuilah bahawa) sesuatu pemberian atau tambahan yang kamu berikan, supaya bertambah kembangnya dalam pusingan harta manusia maka ia tidak sekali-kali akan kembang di sisi Allah (tidak mendatangkan kebaikan). Dan sebaliknya sesuatu pemberian sedekah yang kamu berikan dengan tujuan mengharapkan keredaan Allah semata-mata, maka mereka yang melakukannya itulah orang-orang yang beroleh pahala berganda-ganda.

 quran.com

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Example on Riba by Mufti Menk
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Riba (Usury and Interest)
According to Quran and Sunnah

Defining the Problem

Riba (Usury) is of two major kinds:
  1. Riba An-Nasia - Interest on lent money
  2. Riba Al-Fadl - Taking a superior thing of the same kind of goods by giving more of the same kind of goods of inferior quality, eg.,dates of superior quality for dates of inferior quality in great amounts.
The definition of Interest, the literal meaning of interest or Al-Riba as it is used in the arabic language means to excess or increase. In the Islamic terminology interest means effortless profit or that profit which comes free from compensation or that extra earning obtained that is free of exchange. Riba has been described as a loan with the condition that the borrower will return to the lender more than and better than the quantity borrowed. 
As muslims, our main concern when it comes to financial transactions is to avoid Riba in any of its forms, despite the fact that the basic foundation of the world economics and finance today is that of riba and dealing in usury. 
The Prophet peace and blessings be upon him has foretold us of a time when the spread of riba would be so overwhelming that it would be extremely difficult for the muslim to avoid it. This situation calls for muslims to be extra cautious before deciding on what money payment of financial methods to use in any personal or business transaction. 
To make sure that we are safe from Riba, we have to learn which transactions lead to it. 

Interest in Pre-Islamic Times
 
HafizIbn hajr writes in his commentary of Sahih Bukhari (Fathul Bari), Vol. IV p.264:
Imam Malik reports on the authority of Zaid Ibn Aslam that in the period of ignorance (pre-Islamic times) interest was changed according to the following scheme. One person had a right to the property of another person. It may have been a general right because of the amount lent or the price of something purchased or in any other form. A time was set when the claim would be settled.When the appointed time arrived the creditor would ask the debtor if he wanted to settle the claim or pay interest with an extension of time. If the claim was settled then there was no increase in the payment. Otherwise the debtor would increase the amount payable and the creditor would extend the period further. 

Textual Evidence

Hadith - Sahih Bukhari, Volume 3, No. 299; Narrated ‘Aun bin Abu Juhaifah, r.a. 
 
My father bought a slave who practised the profession of cupping, (My father broke the servants instruments of cupping). I asked my father why he had done so. He replied, "The Prophet forbade the acceptance of the price of a dog or blood, and also forbade the profession of tatooing, or getting tatooed and receiving or giving Riba (Usury), and cursed the picture makers."

Hadith - Sahih Bukhari, 2.468, Narrated Samura bin Jundab, r.a.
 
He speaks of in a dream related to the Prophet (SAW) that there is a river of blood and a man was in it, and another man was standing at its bank with stones in front of him,facing the man standing in the river. Whenever the man in the river wanted to come out , the other one threw a stone in his mouth and caused him to retreat back into his original position.The Prophet peace and blessings be upon him was told that these people in this river of blood were people who dealt in Riba (usury).

The Noble Qur'an - Al-Baqarah 275-281
 
275. Those who eat Ribâ (usury) will not stand (on the Day of Resurrection) except like the standing of a person beaten by Shaitân (Satan) leading him to insanity. That is because they say: "Trading is only like Ribâ (usury)," whereas Allâh has permitted trading and forbidden Ribâ (usury). So whosoever receives an admonition from his Lord and stops eating Ribâ (usury) shall not be punished for the past; his case is for Allâh (to judge); but whoever returns [to Ribâ (usury)], such are the dwellers of the Fire - they will abide therein.
 
276. Allâh will destroy Ribâ (usury) and will give increase for Sadaqât (deeds of charity, alms, etc.) And Allâh likes not the disbelievers, sinners.
 
277. Truly those who believe, and do deeds of righteousness, and perform As-Salât (Iqâmat-as-Salât), and give Zakât, they will have their reward with their Lord. On them shall be no fear, nor shall they grieve.
 
278. O you who believe! Be afraid of Allâh and give up what remains (due to you) from Ribâ (usury) (from now onward), if you are (really) believers.
 
279. And if you do not do it, then take a notice of war from Allâh and His Messenger but if you repent, you shall have your capital sums. Deal not unjustly (by asking more than your capital sums), and you shall not be dealt with unjustly (by receiving less than your capital sums).
 
280. And if the debtor is in a hard time (has no money), then grant him time till it is easy for him to repay, but if you remit it by way of charity, that is better for you if you did but know.
 
281. And be afraid of the Day when you shall be brought back to Allâh. Then every person shall be paid what he earned, and they shall not be dealt with unjustly.

The Noble Qur'an - Al-Imran 3:130
O you who believe! Eat not Ribâ (usury) doubled and multiplied, but fear Allâh that you may be successful.

Hadith - Mishkat-ul-Masabih
The following three ahadith have been taken from Mishkat-ul-Masabih under the section of interest and the English translation has been taken from its English version written by Al Hajj Moulana Fazl Karim (218-227 vol.11)
  • Hazrat Jabir r.a. has reported that the Messenger of Allah peace and blessings be upon him cursed the devourer of usury, its payer, its scribe and its two witnesses. He also said that they were equal (in sin).  
  • Hazrat Abu Hurairah r.a. reported that the Prophet peace and blessings be upon him said : A time will certainly come over the people when none will remain who will not devour usury. If he does not devour it, its vapour will overtake him. [Ahmed,Abu Dawood,Nisai,Ibn Majah]
  • Hazrat Abu Hurairah radiyallahu anhu reported that the Messenger of Allah peace and blessings be upon him said: I came across some people in the night in which I was taken to the heavens.Their stomachs were like houses wherein there were serpents,which could be seen from the front of the stomachs. I asked :O Gabriel! Who are these people? He replied these are those who devoured usury. [Ahmed,Ibn Majah]

Hadith 
Hazrat Al-Khudri radiyallahu anhu reported that the Prophet peace and blessings be upon him said: Gold in exchange for gold, silver in exchange for silver, wheat in exchange for wheat, barley in exchange for barley,dates in exchange for dates, salt in exchange for salt is in the same category and (should be exchanged) hand to hand, so whoever adds or demands increase he has practised usury. The giver and taker are the same.
 

Conclusion
 
After reading the above, it is apparent to us that interest is haram (prohibited).  How could anybody even take the time out to think about a matter in which Allah has declared war on the user and his Beloved Prophet peace and blessings be upon him has cursed him? As sensible people we can understand that what our Creator has chosen for us is for our own prosperity and benefit. 
Islam has encouraged men to earn their own provision and provide for their families. The condition is that the earning has to be according to the Shari’ah. These rules can be found under the heading of trade in the books of jurisprudence. Interest is amongst those conditions which all dealings must be free from. 
Imam Abu Hanifah has ruled that if the measurement system (volumetric or in compounds) is the same and the two items are in the same category, then they should be sold in the same amount and direct not in credit otherwise interest will be found. 
Imam Shaf’ee says that if the items are valuable and could be considered food then there is the chance of interest. 
Imam Malik says that if the items are valuable and are edible then interest is a subject.


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Zakah grows with Allah, but Riba diminishes  
Sheikh abu yusuf riyadh ul haq

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Bermuamalat dengan Riba 
 Ustaz Abdul Hakim B. Amir Abdat
Indonesia
( Presented in Melayu Languages )





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 Riba-free Economy
Shariah as Solution for Global Economic Fracture 
Younus Abdullah Muhammad
 

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Asset-based and Mortgage-Based Financial Products 
from an Islamic Perspective
Dr. Salman Syed Ali

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