Monthly Archives: August, 2013

Solution to Overcome The Bad Credit

Solution to Overcome The Bad Credit


I have a house which I had sold seven years ago, and the buyer has paid half of it’s price. After seven years in his possession, he admitted that he is can’t pay the rest of the price and he’d like to sell the house to pay his debt to me. What do you think is the solution?


The frankness of that man to you indicated that he has appointed you as his representative to sell the house for him. Thus, you may sell it, then the price may be taken to cover up the man’s debt to you. But if after settling the debt there are still some money left, then the rest should be given to the man who sell that house, since you just help to sell a thing that he already possessed. basically, all of the house price belong to the owner, whereas your right is merely an amount which is enough to settle his debt or added with fees that were needed to sell the house. While the rest of the money belong to that house owner.


Author: Ustadz. Aris Munandar, S.S., M.PI.
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Client of Usurer Joined the Usurer over the sin

Client of Usurer Joined the Usurer over the sin

Wisdom beyond the disallowance of Usury


“I owed a friend about IDR 100.000,-, with an agreement that the next month I should return it in amount of IDR 150.000,-. When the due time arrived, I attempted to return him only with IDR 100.000,-, but he was stubborn and forced me to add 50.000 more to it. What is the status of that extra money? If it was an usury, was I being sinful too because of it?

How to get rid myself of usurious debt, because that debt has mixed with my other wealth? What should I do?


Allah has prohibited the usury and harshly threatened the transaction of usury. Allah declared,

{ الَّذِينَ يَأْكُلُونَ الرِّبَا لاَ يَقُومُونَ إِلاَّ كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ } [ سورة البقرة : آية 275 ]

“As for those who devour interest, they behave as the one whom Satan has confounded with his touch.” [QS. Al-Baqarah/The Cow:275]

{ يَا أَيُّهَا الَّذِينَ آمَنُواْ اتَّقُواْ اللَّهَ وَذَرُواْ مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ . فَإِن لَّمْ تَفْعَلُواْ فَأْذَنُواْ بِحَرْبٍ مِّنَ اللَّهِ وَرَسُولِهِ } [ سورة البقرة : الآيتين 278، 279 ]

“Believers! Have fear of Allah and give up all outstanding interest if you do truly believe. But if you fail to do so, then be warned of war from Allah and His Messenger.” [QS. Al-Baqarah:278-279].

Usury has many forms, and among those is what you’ve mentioned in your question, that is an interest yielded from the debt. The example of lawful debt in shari’a is one lent certain amount of his money to other so that he would be able to use it to serve his needs, and the debtor returned the money without any extra or minus of amount which previously required at the beginning of the contract. This is a form of decent debt and credit.

As for debt that yielded profit, or debt and credit that was meant to gain profit since the beginning of the transaction, those are unlawful transactions, based on the Qur’an, the sunnah, and the agreement of all muslims.

Your obligation is to return the amount of money as much as you owed him. Whereas the extra money he required you to give was unlawful, and it was a usury. The Prophet cursed the usurer, the consumer of usury (one who borrow money through the usurious system), their 2 witnesses, and the writer for that transaction. (Narrated by Muslim, from Jabir -may Allah be pleased with him).

Thus, the Prophet cursed the usurer and all parties that was directly contributing in helping the usurer to commit a usury.

What you’ve done, by agreeing to be a client of usury transaction, was an unlawful act and considered as a major sin. You must repent to Allah, whereas the creditor must return the extra money he took from you, since it was unlawful for him.

You have done a forbidden thing by giving him the extra money, whereas you should refuse to give him that money. In an Islamic country, you may report him if he tried to force you to give that extra money, so that the authority may give him a deterrent punishment and stop his crime.

As a result, what you and he have done was a true usury. Both of you must repent to Allah because of it, and do not repeat it again. For the creditor, he is also obliged to return the extra money that he had taken from you.

(Adapted from a fatwa issued by Sheikh Shalih al Fauzan in his work “Al-Muntaqa min Fatwas Sheikh Shalih Al-Fauzan 7:86 no. 317).

Author: Ustadz Aris Munandar, S.S., M.PI.
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How a Muslim Encountering the Calamity

How a Muslim Encountering the Calamity

Encountering the Calamity

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

Dear brother! Say:

إِنَّا لِلَّهِ وَإِنَّا إِلَيْهِ رَاجِعُونَ اللَّهُمَّ أْجُرْنِى فِى مُصِيبَتِى وَأَخْلِفْ لِى خَيْرًا مِنْهَا

“‘To Allah we belong and unto Him is our return. O Allah, recompense me for my affliction and replace it for me with something better.’

Our country is again afflicted with calamity. Our muslim brothers are again tried with some hardships. The earthquake once again destroyed the houses, buildings, and killed some of our brothers and wounded some others.

Don’t be down! Keep your kind thoughts of Allah the Exalted, and be tough. Trust me, that if you are tough in going through this calamity, without lamenting, and keep your kind thoughts of this fate, Allah will show you the best solvency to us and our country. Even better, Not only the best solvency, but also this calamity might turn to be pleasures.

وَلَنَبْلُوَنَّكُمْ بِشَيْءٍ مِّنَ الْخَوفْ وَالْجُوعِ وَنَقْصٍ مِّنَ الأَمَوَالِ وَالأنفُسِ وَالثَّمَرَاتِ وَبَشِّرِ الصَّابِرِينَ   {155} الَّذِينَ إِذَا أَصَابَتْهُم مُّصِيبَةٌ قَالُواْ إِنَّا لِلّهِ وَإِنَّـا إِلَيْهِ رَاجِعونَ {156} أُولَـئِكَ عَلَيْهِمْ صَلَوَاتٌ مِّن رَّبِّهِمْ وَرَحْمَةٌ وَأُولَـئِكَ هُمُ الْمُهْتَدُونَ . البقرة 155-157

“We shall certainly test you by afflicting you with fear, hunger, loss of properties and lives and fruits. Give glad tidings, then, to those who remain patient; those who when any affliction smites them, they say: “Verily, we belong to Allah, and it is to Him that we are destined to return.” Upon them will be the blessings and mercy of their Lord, and it is they who are rightly guided.” (Qs. Al Baqarah/The Cow: 155-157)

Brother! Umm Salama -may Allah be pleased with her- said, “I’ve ever heard the Messenger of Allah -peace and prayer of Allah be upon him- said, “Whoever afflicted with calamity, and said:

إِنَّا لِلَّهِ وَإِنَّا إِلَيْهِ رَاجِعُونَ اللَّهُمَّ أْجُرْنِى فِى مُصِيبَتِى وَأَخْلِفْ لِى خَيْرًا مِنْهَا

“Allah will grant him rewards in that calamity and replace for him a better one than what he lost.” And when my husband, Abu Salama died, I uttered the prayer, as taught by the Messenger of Allah -peace and prayer of Allah be upon him- and in fact, Allah replaced for me one who was better than Abu Salama, that is the Messenger of Allah -peace and prayer of Allah be upon him-.” (Narrated by Al Bukhari)

It is true that after the waiting time for a widow of Umm Salama passed, the Messenger of Allah -peace and prayer of Allah be upon him- sent someone to propose to Umm Salama to be his wife.
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Supplication Upon Entering the Market, Mall, and Other Public Centers

Supplication Upon Entering the Market, Mall, and Other Public Centers

Supplication Upon Entering the Market

“Whoever enter the market, and recited:

لاَ إِلَـهَ إِلاَّ اللهُ وَحْدَهُ لاَ شَرِيْكَ لَهُ، لَهُ الْمُلْكُ وَلَهُ الْحَمْدُ يُحْيِيْ وَيُمِيْتُ وَهُوَ حَيٌّ لاَ يَمُوْتُ، بِيَدِهِ الْخَيْرُ، وَهُوَ عَلَى كُلِّ شَيْءٍ قَدِيْرُ.

Allah will write for him one million goodnesses , eliminate from him one million evils, and  raise him about one million degrees.”

(Narrated by At Tirmidhi 5/291, Al Hakim 1/583, and Ibn Maja 2235. Al Albani claimed it as a good hadith, in his work, “Sahih Ibn Maja”, 2/21 and “Sahih At Tirmidhi”, 2/152).

The supplication means:

“‘None has the right to be worshipped except Allah, alone, without any partner, to Him belongs all sovereignty and praise. He gives life and causes death, and He is living and does not die. In His hand is all good and He is over all things, omnipotent.’

The Messenger of Allah -peace and prayer of Allah be upon him- said:

“The best place is the mosque/masjid. And the worst is the market.” (Narrated by Ibn Hibban, no. 1599. Sheikh Shuhaib al Arnauth said, “It’s a good hadith.”)

This supplication contains great virtue, since markets, malls, and other public centers usually drive people to be negligence and to fall into wickedness. Therefore, someone who remember Allah and supplicate Him at those places will be rewarded with those great virtues.

May you all do it, and be successful in it. Amin.

Author: Ustadz Abdullah Sholeh Hadrami

Rulings regarding People who Perform Worshipping Activities only on Ramadan

Rulings regarding People who Perform Worshipping Activities only on Ramadan


It is too bad that some people, on Ramadan, continuously perform the five compulsory prayers, the night prayer, and Qur’an recitation; but after it has passed, they will leave all or half of the righteous activities that they used to do. What is the ruling regarding their deeds? Are their righteous deeds performed on Ramadan accepted? What is your advice to such people?


Performing the righteous deeds on the month of Ramadan with vengeance is indeed a good thing, because Ramadan possesses some excellences and it is a grand time for the muslims. And a Muslim is required to be serious in performing good deeds throughout his age, during his life, in every month of it. Because age is a truly precious chance, whereas men will surely come to a place where they will desperately need the righteous deeds. That is because the reward on the Hereafter depends on the deed.

Thus, a muslim is required to use his lifetime in the world to perform righteous deeds and and spend his days and his whole time in goodness and virtues. As with Ramadan, he is required to make best of it with extra efforts.

Whereas people who underestimate the compulsory prayers, who, when the Ramadan came, perform the compulsory prayers and maintain it with vengeance, but when Ramadan has passed, they once again left the compulsory prayers and underestimated it, their prayers on Ramadan would not be accepted.

It was said to some scholar of predecessors, “There are some people who worship very seriously on the month of Ramadan, but if the Ramadan has passed, they would leave the deeds.”

They commented, “(They are) the worst of men, since they recognize Allah only on Ramadan.”

The deeds of these people would not be accepted, if they abandon the compulsory prayers. Whereas if they only left the voluntary prayers, then they are not considered guilty and it is expected that their righteous deeds in Ramadan will be accepted. And Allah know best.

Reference: “Al Muntaqa min Fatawa Syaikh Shalih Al Fauzan, 3/158-159”

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