Monthly Archives: November, 2012

Rulings in Giving Bonuses to Increase Sales


Is it permissible for the seller to give incentives such as gifts of other form of bonuses to increase his sales? For example, for every IDR 10 millions of purchasing in a month, the customer will get some products as bonuses, which value equal IDR 100.000, or cellphone, or other items?

Abdul Aziz Audah

Bonuses to Increase Sales


All praises be to Allah, peace and prayer of Allah be upon Prophet Muhammad, his family, and his devoted companions.

Our scholars today have explained that incentives, in the form of products directly being given to those who already met the criteria, without any lot or the like, is permitted in sharia, insha Allah. Since such incentive equals to discount or prize which are allowed in sharia. And there are no reason to forbid it.

As for incentives in the form of lottery coupon, or such, are forbidden since it will lead to gambling as I’ve explained earlier in the question regarding ruling for zakat in lottery. And Allah knows best.


Ustadz Dr. Muhammad Arifin Badri, M.A.
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Rulings for Consuming The Civet Coffee and It’s Trading


Assalamu ‘alaikum warohmatullah wabarokatuh

Ustadz, some times ago it was discussed in the mailing list of Pengusaha Muslim (Muslim Entrepreneur) about the Civet coffee.

The problem is, the civet coffee is a coffee that was processed from coffee beans that have been eaten and passed through the alimentary tract of the mongoose, in another words, we might say that the coffee is the processed coffee from the fecal material of the mongoose (the coffee beans were still intact when it came out from the digestive tract of that mongoose, thus it wasn’t shaped as feces.)

Below is an information that we took from the internet:


Civet coffee is a type of coffee made from coffee beans that have been eaten and processed in the digestive tract of a mongoose. It’s popularity has been very well known. Even in the United States of America, there are cafes or stalls that sell this civet coffee with a quite high price. The mongoose indeed loves to find good fruits including coffee bean as it’s food.

Coffee beans from the best of coffee fruit is the favorite of this mongoose, and after it ate the beans, it will defecate and pass the beans -which previously has been fermented in digestive tract of that mongoose- together with it.

In the past time, these coffee beans used to be hunted by the farmers since it was believed that it came from the best coffee beans and was naturally fermented. Some believe that the taste of this coffee is truly different and special, as known among the connoisseurs of coffee.

The questions here are:

  1. What is the ruling of consuming this civet coffee?
  2. What is the ruling for trading it?

May Allah bestow His bless on you.

May Allah reward you with kindness for your knowledge and time given to us.

Wassalamu ‘alaikum
Team of Pengusaha Muslim

Rulings for Consuming The Civet Coffee and It's Trading
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Rulings Regarding Insurance for Employees


Ustadz (Mr.chaplain), I’d like to ask about the insurance which lately become a trend among society. I know that the ruling for joining the insurance is forbidden due to an element of vagueness inside it (correct me if i’m wrong).

But the question is, what if we are admitted to a health insurance by the company where we work? And the premises are also paid by the company. Is it permissible for us to use that insurance, just as the worker social insurance or the pension?

For your information, our wage is being reduced monthly in a constant percentage for that insurance. Is it permissible for us to join it? And then, are we allowed to take the main amount of thar insurance (which are the amount taken from our wage monthly) at the due time? (usually at the fifth year or at the time we enter our pension days). Or we’re totally not allowed to take the result of such insurance?

Arief Firdaus

Rulings Regarding Insurance for Employees


All praises be to Allah, peace and prayer of Allah be upon Prophet Muhammad, his family, and his devoted companions.

Regarding your question about the insurance Admitted by the company or the governmental institution where you work, below I cite an answer from The Member of Committee of Fatwa, Kingdom of Saudi Arabia:

A store owned by a muslim was extinguished in fire that burnt down all things inside it. Because he has admitted his store in an insurance company since several years ago, the insurance company paid him equal the amount of his loss. What is Allah’s law about the money he received, particularly the amount he had paid for these years is not equal even to the half of what he received. Whereas you’ve already known that some countries have made this insurance compulsory?

This kind of insurance is a commercial one, and it is forbidden, due to vagueness inside it and consuming other people’s wealth in a wrong way. the store owner you’ve mentioned earlier is allowed to take an amount of money that equals the amount he had given to that insurance company. As for the rest of the money, should be spent in charity to help the poor, or in other form of social activities, and he should stop joining the insurance company as soon as possible.

The guidance belong to Allah, prayer and peace of Allah be upon Prophet Muhammad, his family, and his devoted companions.” (Majmu’ Fatawa Al Lajnah Ad Daimah 14/259, in fatwa no: 4862)


Hence, if a claim occurred, you may take some amount of money from that insurance company that equal the amount of money taken from your monthly wage by your company to pay the insurance premise. As for the rest, should be spent in social activities, not by intention of giving alms, but to free yourself from unlawful wealth. And if no claim occurred, you may draw the fee in an amount that equals the total of your monthly wage taken for 5 years or at the time you enter your pension days.

And Allah knows best.

Ustadz Dr. Muhammad Arifin Badri, M.A.
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Zakat from Our Income (Part. 2 – End)

Part. 2

zakat income dollar
The sixth benefit: Fulfilling the requirements to be able to enjoy the abundant wealth

Brother, you’ve already known that zakat of wealth only charged to the wealthy. And according to Islamic law, definition of wealthy here is one whose wealth already achieve the measure of one nishab, for one lunar year, where the wealth never decline below the measure of nishab.

Allah the Exalted doesn’t allow such people to enjoy their wealth but after paying their zakat obligation.

وَالَّذِينَ يَكْنِزُونَ الذَّهَبَ وَالْفِضَّةَ وَلاَ يُنفِقُونَهَا فِي سَبِيلِ اللّهِ فَبَشِّرْهُم بِعَذَابٍ أَلِيمٍ {34} يَوْمَ يُحْمَى عَلَيْهَا فِي نَارِ جَهَنَّمَ فَتُكْوَى بِهَا جِبَاهُهُمْ وَجُنوبُهُمْ وَظُهُورُهُمْ هَـذَا مَا كَنَزْتُمْ لأَنفُسِكُمْ فَذُوقُواْ مَا كُنتُمْ تَكْنِزُونَ

And there are those who amass gold and silver and do not spend it in the Way of Allah. Announce to them the tidings of a painful chastisement. on a Day when they shall be heated up in the Fire of Hell, and their foreheads and their sides and their backs shall be branded with it, (and they shall be told): “This is the treasure which you hoarded for yourselves. Taste, then, the punishment for what you have hoarded.” (Qs. At Taubah/The Repentance: 34-35)

Abdullah Ibn Umar -may be pleased with them both – explained the meaning of “amass gold and silver” in this verse by saying:

كل مال أدَّيت زكاته فليس بكنز وإن كان مدفونًا. وكل مالٍ لم تؤدَّ زكاته، فهو الكنز الذي ذكره الله في القرآن، يكوى به صاحبه، وإن لم يكن مدفونًا. رواه ابن ماجة، والبيهقي وغيرهما.

“Every wealth which zakat is already taken from, is not an amass although it is kept by burying it inside the earth. And every wealth which zakat has not been taken from, is indeed amass which Allah mentioned in the Qur’an. The owner will be burnt with it, although it was not buried inside the earth.” (Narrated by Ibn Maja, Al Baihaqi, and others).

Ibn Hajar Al Asqalany said: “The wisdom beneath the return of one’s wealth that he ever possessed as a whole, whereas the zakat obligation probably just about a half of it, is because zakat is fused with the whole wealth of him, and it couldn’t be spared. Moreover, the wealth from which the zakat has not been taken is an impure wealth.” (See: Fathul Bari 3/305)

مَنْ آتَاهُ اللَّهُ مَالاً ، فَلَمْ يُؤَدِّ زَكَاتَهُ مُثِّلَ لَهُ يَوْمَ الْقِيَامَةِ شُجَاعًا أَقْرَعَ، لَهُ زَبِيبَتَانِ، يُطَوَّقُهُ يَوْمَ الْقِيَامَةِ، ثُمَّ يَأْخُذُ بِلِهْزِمَتَيْهِ – يَعْنِى شِدْقَيْهِ – ثُمَّ يَقُولُ أَنَا مَالُكَ ، أَنَا كَنْزُكَ. ثُمَّ تَلاَ :ولاَ يَحْسِبَنَّ الَّذِينَ يَبْخَلُونَ . إلى آخر الآية. متفق عليه

“Whoever is made wealthy by Allâh and does not pay the Zakât of his wealth, then on the Day of Resurrection his wealth will be made like a bald-headed poisonous male snake with two black spots over the eyes (or two poisonous glands in its mouth). The snake will encircle his neck and bite his cheeks and say, ‘I am your wealth, I am your treasure.'” Then the Prophet recited the holy Verses:

وَلاَ يَحْسَبَنَّ الَّذِينَ يَبْخَلُونَ بِمَا آتَاهُمُ اللّهُ مِن فَضْلِهِ هُوَ خَيْرًا لَّهُمْ بَلْ هُوَ شَرٌّ لَّهُمْ سَيُطَوَّقُونَ مَا بَخِلُواْ بِهِ يَوْمَ الْقِيَامَةِ وَلِلّهِ مِيرَاثُ السَّمَاوَاتِ وَالأَرْضِ وَاللّهُ بِمَا تَعْمَلُونَ خَبِيرٌ. آل عمران 180

“Those who are niggardly about what Allah has granted them out of His bounty think that niggardliness is good for them; rather, it is bad for them. What they were niggardly about will turn into a halter round their necks on the Day of Resurrection. To Allah belongs the inheritance of the heavens and the earth. Allah is well aware of what you do.” (QS Ali Imran/The Family of Imran: 180) (Muttafaqun ‘alaih)

If you don’t want such terrible thing to be happened to you, then pay your zakat obligation.
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Zakat from Our Income (Part. 1)


All praises be to Allah, peace and prayer may always be upon Prophet Muhammad, his family, and his devoted companions.

Brother, I believe you already knew that this beloved religion of us is established upon five basic principals. These five principals serve as the pillars of our religion, as pillars of a building. Is it possible for a building to stand still, without one of it’s pillars? You can imagine, if one day one of your house’s pillars crumbled, will you still stay in it?

That is the description of zakat for your religion.

عن عبد الله بن عمر رضي الله عنه عن النبي صلى الله عليه و سلم قال: بُنِىَ الإِسْلاَمُ عَلَى خَمْسٍ إِيمَانٍ بِاللَّهِ وَرَسُولِهِ ، وَالصَّلاَةِ الْخَمْسِ ، وَصِيَامِ رَمَضَانَ ، وَأَدَاءِ الزَّكَاةِ ، وَحَجِّ الْبَيْتِ. متفق عليه

“Abdullah Ibn ‘Umar -may Allah be pleased with him- narrated from the Prophet -peace and prayer of Allah be upon him- , he said: Islam is based on (the following) five (principles): 1. To testify that Lâ ilâha illallâh wa anna Muhammad-ar-Rasul Allâh (none has the right to be worshipped but Allah and that Muhammad is the Messenger of Allah). 2. Iqâmat-as-Salât [to perform the (compulsory congregational) Salat (prayers)]. 3. To pay Zakat. 4. To perform Hajj. (i.e. pilgrimage to Mecca).5. To observe fasts (according to Islamic teachings)] during the month of Ramadan.” (Muttafaqun ‘alayh)

I am sure you’re knowledgeable about the ruling of zakat, thus I think it is inappropriate to use this chance to discuss about it.

Ibn Hajar Al Asqalaani said: Zakat is a must in Islamic sharia, thus we don’t have to work vigorously to establish indications that support it’s ruling. The scholars merely differed in it’s details, but the main ruling is already agreed, that it is compulsory, thus whoever denies it, becomes infidel (disbeliever).” (Fathul Bari by Ibn Hajar 3/262)

For us to know that the term ‘zakat’ and ‘alms/charity’ in Islamic sharia contain similar meaning. Both are classified into two:

– The compulsory one
– The voluntary one

As for assumptions of some people that zakat is the compulsory part while charity is the voluntary, are not based upon valid and strong indications.

Zakat from Our Income

The Benefits of Paying The Zakat

You might think, why does Islam obliging zakat to it’s followers and suggesting them to spend in zakat abundantly? Doesn’t it make some of it’s followers becoming idle?

Know, O Brother! The teachings of Islam never intend to make even one of it’s followers become an idle, and clung his living onto aids from others.

Islam admonishes you to pay zakat since Islam wishes you to feel the usage and benefits of your wealth. Below are several benefits that you can get by paying your zakat obligation:

The first benefit: Purifying your soul from sins

خُذْ مِنْ أَمْوَالِهِمْ صَدَقَةً تُطَهِّرُهُمْ وَتُزَكِّيهِم بِهَا وَصَلِّ عَلَيْهِمْ إِنَّ صَلاَتَكَ سَكَنٌ لَّهُمْ وَاللّهُ سَمِيعٌ عَلِيمٌ

“(O Prophet)! “Take alms out of their riches and thereby cleanse them and bring about their growth (in righteousness), and pray for them. Indeed your prayer is a source of tranquillity for them.” Allah is All-Hearing, All-Knowing.” (Qs. At Taubah/The Repentance: 103)

The experts in tafseer, such as Ibn Jarir At Thabary explained that by paying your zakat, you already cleansed yourself from taints of wickedness.” (Tafseer Ibn Jarir, 14/454)

All of us must have realized that we often did wickedness and sins, hence, this is a very good chance for us to purify our soul back. Will us just let this chance slip away?

The second benefit: Freeing your soul from slavery of wealth and riches.

Ibn Jarir At Thabari also explained, interpreting the previous verse, that by paying your zakat obligation, you are free from various shameful attitude, as the characters of the hypocrites, and it will lead you to reach the level of the sincere men.” (Tafseer At Thabari 14/454)

Sheikh Muhammad Ibn Shalih Al Uthaymeen further explained the meaning of ‘cleanse’ from the verse, saying that: “Zakat cleanses the manner, beliefs, and also purify those who pay it from various shameful attitudes. That is because zakat will free him from the chain of stinginess and put him into the expansion of generosity. As zakat will purify him from various taints of wickedness.”

How beautiful that statement of Sheikh Muhammad Ibn Shaleh Al Uthaymeen is! It is a fact that every human being loves riches and wealths. It is very luring and appealing for us.

زُيِّنَ لِلنَّاسِ حُبُّ الشَّهَوَاتِ مِنَ النِّسَاء وَالْبَنِينَ وَالْقَنَاطِيرِ الْمُقَنطَرَةِ مِنَ الذَّهَبِ وَالْفِضَّةِ وَالْخَيْلِ الْمُسَوَّمَةِ وَالأَنْعَامِ وَالْحَرْثِ ذَلِكَ مَتَاعُ الْحَيَاةِ الدُّنْيَا وَاللّهُ عِندَهُ حُسْنُ الْمَآبِ

“People are naturally tempted by the lure of women, children, treasures of gold and silver, horses of mark, cattle and plantations. These are the enjoyments in the life of this world; but with Allah lies a goodly abode to return to.” (Qs. Ali Imran/The Family of ‘Imran: 14)

And even more than a mere love or fondness, our love towards riches will be increased along with the piling of our ages.

يَكْبَرُ ابْنُ آدَمَ وَيَكْبَرُ مَعَهُ اثْنَانِ حُبُّ الْمَالِ ، وَطُولُ الْعُمُرِ. رواه البخاري

“By the day, the sons of Adam will become older, and will increase in his love for riches and longevity.” (Narrated by Bukhari)

Thus, if such love comes without good manners, it will certainly torture and plunge you to the mud of humiliation.Umar Ibn Al Khatthab once said:

اللَّهُمَّ إِنَّا لَا نَسْتَطِيع إِلَّا أَنْ نَفْرَح بِمَا زَيَّنْته لَنَا ، اللَّهُمَّ إِنِّي أَسْأَلك أَنْ أُنْفِقهُ فِي حَقّه

“O Allah, indeed we have no power to do anything but to be happy with thing that You have made it beautiful in our eyes (that is wealth). O Allah, indeed I beg You so that I can spend it in the rightful ways.” (Narrated by Bukhari)

No wonder that since long ago, the Prophet -peace and prayer of Allah be upon him- had warned his followers not to fall into the love for riches and wealth. Since if it is already happened, you’ll certainly go against all odds to obtain it, and after you got it, you’ll be too greedy to spend it in Allah’s cause.

اتَّقُوا الظُّلْمَ فَإِنَّ الظُّلْمَ ظُلُمَاتٌ يَوْمَ الْقِيَامَةِ وَاتَّقُوا الشُّحَّ فَإِنَّ الشُّحَّ أَهْلَكَ مَنْ كَانَ قَبْلَكُمْ حَمَلَهُمْ عَلَى أَنْ سَفَكُوا دِمَاءَهُمْ وَاسْتَحَلُّوا مَحَارِمَهُمْ. رواه مسلم

“Beware of oppression, for oppression will be darkness on the Day of Resurrection. Beware of stinginess for stinginess destroyed those who came before you and caused them to shed their blood and regard as permissible that which had been forbidden to them.” (Narrated by Muslim)

Al Munaawi said: “Stinginess may cause that horrible effect, since by giving alms and aids, love and brotherhood will emerge. While by stinginess, relationship will be loosen, and family ties will be broken, and following that, clashes and betrayals by blood shedding and confiscating others’ honors couldn’t be prevented. From the structure of this hadith, it is understood that warning from oppression is just a prologue for warning from stinginess. This is meant to strengthen the terrible effect of stinginess that causes the owner to be plunged into the worst of wickedness. Stinginess might cause the owner to kill others, whereas killing is the most terrible and humiliated of bad acts.” (Faidhul Qadir 1/175)

Allah the Exalted decreed:

إِنَّمَا أَمْوَالُكُمْ وَأَوْلَادُكُمْ فِتْنَةٌ وَاللَّهُ عِندَهُ أَجْرٌ عَظِيمٌ {15} فَاتَّقُوا اللَّهَ مَا اسْتَطَعْتُمْ وَاسْمَعُوا وَأَطِيعُوا وَأَنفِقُوا خَيْرًا لِّأَنفُسِكُمْ وَمَن يُوقَ شُحَّ نَفْسِهِ فَأُوْلَئِكَ هُمُ الْمُفْلِحُونَ {16} إِن تُقْرِضُوا اللَّهَ قَرْضًا حَسَنًا يُضَاعِفْهُ لَكُمْ وَيَغْفِرْ لَكُمْ وَاللَّهُ شَكُورٌ حَلِيمٌ

“Your possessions and your offspring are nothing but a trial for you. And there awaits a great reward for you with Allah. So hold Allah in awe as much as you can, and listen and obey, and be charitable. This is for your own good. And whoever remains safe from his own greediness, it is such that will prosper. If you give Allah a goodly loan, He will increase it for you several fold and will forgive you. Allah is Most Appreciative, Most Forbearing.” (Qs. At Taghabun/The Mutual Disillusion: 15-17)

One day, the war booty from the wealth of Kisra (King of Persia) was brought to the caliph Umar Ibn Al Khattab -may Allah be pleased with him- , and he immediately ordered for the wealth to be poured from it’s bags. After it was poured, it was covered with several covering fabrics, and he summoned his people to come. When they have gathered around, he ordered to open the cover of the booty. There were plenty of jewelries, gems, and other riches. Seeing that wealth, Umar cried and kept on praising Allah. Seeing him crying, people gathered around him and asked, “What makes you cry, O the chief of the believers, whereas these riches has be taken by Allah from the owners, and He has given it to us?” Upon hearing such question, he replied, “No riches as these given to a nation, but it will make them shed the blood and violate the honors of one another.” (Narrated by Ad Daruquthni)

Brother! What shall we do to avoid the calamity bring by the riches and wealth? Because leaving it totally is impossible, since wealth is the main supporter of our living. The only way to protect ourselves from it is by spending it in Allah’s cause, by paying our zakat obligation, giving alms, and other form of spending it in Allah’s cause.

Thus, zakat becomes a trial for your faith, and you should pass it well.

لَن تَنَالُواْ الْبِرَّ حَتَّى تُنفِقُواْ مِمَّا تُحِبُّونَ وَمَا تُنفِقُواْ مِن شَيْءٍ فَإِنَّ اللّهَ بِهِ عَلِيمٌ

“You shall not attain righteousness until you spend (for the sake of Allah) out of what you love. Allah knows whatever you spend.” (Qs. Ali Imran/The Family of Imran: 92)

Sheikh Abdurrahman Ibn Nashir As Sa’dy said: “This verse is an admonition of Allah to His slaves, to spend their wealth in righteous ways. Allah justified that you wont be able to achieve the level of goodness that might lead you to enter His paradise, until you willingly give your valuable and beloved wealth. Because indeed, if you prefer your love to Allah to your love for your wealth, by spending it in the ways that He pleases upon, it will be a real proof of your faith, beliefs, and your decency… It may inferred that the amount of wealth spent will be equal to his decency, and vice versa, the level of his decency will be decreased equal to the amount of wealth that he withhold. ” (Tafseer As Sa’di 138)

No wonder that the Prophet -peace and prayer of Allah be upon him- labelled charity/alms as “a proof”:

الصَّدَقَةُ بُرْهَانٌ. رواه مسلم

“Charity is a proof.” (Narrated by Muslim)

Al Quzwaini said: “Charity is a “proof” of the belief of one who spend of it in the life of the Hereafter and all the rewards in it. Because the soul of a mere mortal must have loved wealths, thus no one might be able to give charity from it but the believers of the rewards of that charity. Only the faithful souls in the returns of better rewards, and salvation from various odds that halt his life, that will be able to sincerely give charities.” (Faidhul Qadir by Al Munawi 4/290)
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