Jakarta (MidLand) – In everyday life, debts and credits are the order of the day, both for small and large sums of money.
Debt is a form of assistance given to someone in need, in the form of goods or money, which must then be repaid to the person who provided the assistance.
For Muslims, if they decide to get into debt, Islam has regulated the law of debts and credits so that there is justice between the parties, both those who owe and those to whom money is owed.
One of the important recommendations in Islam regarding debts and credits is to record the debts you own and have a written agreement.
Allah SWT says in the Quran, Surat Al-Baqarah verse 282, which commands to clearly record the debt, involve witnesses and make a written agreement.
This is done so that there are no disputes and other unwanted conflicts.
Clear records and the involvement of witnesses can also prevent irresponsible parties from causing losses to either party.
So in Islam the law of debt is permissible, but it can be applied if one is in desperate conditions. Also the person who gives a loan has done good and has received a reward with the intention of sincerely helping.
If you are not in a state of urgency or difficulty, it is recommended to useavoid drinkingdebt because it will weigh on life in duNo and the afterlife.
Usury debt law
In Islam any form of usury or interest on debts and credits is strictly forbidden and haram. Another word known as usury is interest.
The fundamental principle in Islam is to maintain justice and avoid any form of usury or interest on debts and credits.
Usury is believed to take advantage of an amount that is greater than what is actually owed, thus resulting in it being burdensome and damaging to the borrowing party.
Islam teaches that helping others in the form of debt or loans must be based on good intentions and not seeking profit such as usury.
In Surah Al-Baqarah verses 276-278, Allah SWT has cursed those who give and take usury, so that they will not obtain blessings in their wealth.
On the other hand, Allah will bless those who help each other in the form of debt in a good way without involving usury.
Debts must be repaid and paid
Islam advocates the importance of repaying debts on time whenever possible. The Prophet SAW said, “Delaying debt payments for people who can afford it is tyrannical.” (HR. Bukhari).
This shows how great the responsibility of a Muslim is in repaying his debts.
When you decide to take on a debt, you must have the intention to repay it immediately. If the debt is not repaid, the law says that the money that was used is haram and becomes a thief.
Debts, in fact, must be paid before death, because dying while still having debts can constitute an aggravation of the sin and be punished in the afterlife.
However, for people who are really struggling to pay off their debts, Islam offers relief. Debtors are encouraged to give more time or even forgive the debt which will later be replaced with goodness in the form of rewards.
The Prophet SAW said on the authority of Abu Qotadah the following.
Whoever avenges his debtor or cancels his debt will be under the shadow of the Throne on the Day of Resurrection.
“Whoever relieves someone who is in debt to him or even forgives his debt, will receive the shadow of the Throne on the Day of Resurrection.”.
Read also: Understanding Loan Sharks and the Law from an Islamic Perspective
Read also: Smoking Laws in Islam
Read also: Understanding Haram in Islam
Reporter: Putri Atika Chairulia
Publisher: Alviansyah Pasaribu
Copyright © MidLand 2024
Quoted From Many Source
