Question:
Assalamu’alaikum.
Ustadz, there is a friend of mine who is offered to work in an optic shop. Aside from providing cash payment service, the store also give credit facility through certain bank by paying the down payment to the store first. Is this kind of transaction allowed? May he work in that store?
May Allah reward you with goodness.
From: Jumardi
Answer:
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Author: Ustadz Said Yai Ardiansyah, MA
One of the products issued by bank is deposit. Deposit is a kind of saving that can not be withdrawn until the certain period of time agreed ends, with the benefit of obtaining percentage of profit from the deposited money. If it is drawn before the its due time, then the bank will charge the owner with some fines.
The example is as follows:
Joko wanted to save his money in deposit account. He deposited IDR 50 millions of his money in 3 months period. The interest rate of deposit is 5% per year, thus, in each month, he received = IDR 50 millions x 5 % : 12 months =IDR 208.333,33. Next, the sum is charged with income tax of 20%, hence, in three months, Joko received IDR 208.333,33 x 3 months = IDR 625.000,00 before taxed.
Joko needn’t to worry about the money he deposited, since it certainly yields profit albeit small. Even though the bank goes bankrupt, or suffers from losses, it still has to pay the profit/interest of his money.
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There are two ways of buying goods via bank:
Firstly, a muslim goes to a bank and tell the bank, “I want to buy a certain house or car.” The bank says, “We don’t have it. Please check out if there is something that suits you, tell us, and we’ll buy it.” Then he goes to find what he wants, and when he finds it, he informs the bank of it, and the bank buys it.
After the bank buys and has it, then the bank makes a transaction with its client and there is no agreement that ties the client when the bank hasn’t buy and own the goods. For example, the client doesn’t store some down-payment, or certain amount of money which some people called “administration fee”, nor anything as a compensation of bank’s willingness to help him in realizing his wish, and it is not allowed to sign any written agreement which stated about the ability to buy the goods after the bank owns it. These are not allowed until the bank has the intended house.
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Question:
Assalamu’alaikum.
Ustadz, I’d like to ask about the ruling of purchasing house or land, and what is the ruling if we bought a house and paid half of its price (the rest is still unpaid and without taking bank loan), then we resell it with a higher price than its initial price, and we gain some profits from the selling of that not-yet-paid-off house.. Is it considered as usury? Thank you very much. Wassalam.
From: M Ali Sadikin
Answer:
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Supposed that there was a news about a son who raped his own mother, I believe waves of curses to this culprit who did a very vile act would come massively! Surely no one with straight mind will support this evil deed.
But what about a commercial of a bank which promoted low-interest credit? Will there be denial for that usurious practice? Or will it be considered as a common news, or even get some praises due to the low rate of interest? And contrary to it, a preacher who reminded people of the danger of engaging with bank in such kind of transaction, will be labelled as too strict, extreme, stern, and other bad stigma?
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