Monthly Archives: November, 2013

Rulings regarding A man Working as An Economy Lecturer

Rulings regarding A man Working as An Economy Lecturer

Several days ago, there was a question about the ruling for lecturing about economy in the article of “Rulings regarding Teaching the Non Muslims”. It was written as follows:

“Assalamu’alaikum. I teach the subject of financial management and the like, in which there is an explanation of interest calculation. Almost chapters of this subject are related to the interest rate. What is the rulings for teaching such subject? “

Questioner: Mr. Teguh Junanto

Such question was also asked to Sheikh Sulaiman Ibn Abdullah al Majid, a member of The Council of saudi Arabia.
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Money Prize

Money prize

Money prize

“When we bought some house paints, sometimes we found a money prize given by the paint manufacturer to the buyer, valued as IDR 20.000, or more. Is such prize allowed in Islam? “

The ruling of such practice has been debated by the jurisprudence scholars. There are two opinions regarding this matter:

The first opinion stated that it was unlawful, because it was included in transactions which were termed by the past time scholars as “ muddu ajwah wa dirham”, an exchange of a usury commodity with the similar of it’s kind, but in one of the commodity there was additional, non-usury stuff.

For example: Dates were exchanged with dates, but with the second dates, there were additional stuff in the form of money. The exchanging of dates was an exchanging of similar usury commodity, but in one side of it, that was the second dates, there was an additional stuff which was not similar to the exchanged commodity. In this case, the stuff was money. This was the case of which the past time scholars named as, “Maddu ajwah wa dirham’.
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Fatwas regarding Working Hours

Fatwas regarding Working Hours

The scholars of the Standing Committee (Lajnah Daimah) were asked about the employees who are obliged to stay in office during the working hours, but instead are hanging out to shop without any permission of their boss. What is the ruling for such deed?

The answer: “ It is not allowed for an employee to go out of the office during the working hours for shopping, whether he or she was permitted by the boss or not. Because it contradicted the rules set for the civil servants. Such practice caused the neglect of works which were trusted to him and the rights of other muslims (society), or at least the works wouldn’t be accomplished appropriately.

It is narrated by Abu Ya’la and al Askari, from Aisha -may Allah be pleased with her- that the Prophet -peace and prayer of Allah be upon him- said,

إن الله يحب إذا عمل أحدكم عملا أن يتقنه

Verily, Allah loves, if one of you works his task with his best.” Similar redaction also narrated by al Baihaqi and Thabrani.” (Fatwa of the Lajnah Daimah, 23:415)
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On Shopping Lottery

Among the companies’ strategies to attract the consumers was by providing them some prizes, such as cars, refrigerators, or the like. Every one who bought the company’s products in a certain amount, would be given a coupon written with a question, of which the coupon holder should answer, or a coupon without any question, but the holder should write his identity on it to join the lot. At certain, appointed time, the winner would be drawn through lottery.

Such prizes might be divided into two forms:

First, the prizes were provided from the price of the goods. It meant that the company raised the goods’ price to cover up the fee they spent to buy those prizes. Such prizes were unlawful, because it was considered as gambling. The reason was in fact, the company or the seller as the party who held the lottery burdened the fee to provide prizes on the buyer. Thus, the buyer as the winner-to-be spent out some money to get the prize. In another word, the buyers were unawarely gamble to win the prizes; thus this was all the same with bets in the pure gambling.

Second, the provided prizes didn’t affect the goods’ price. It meant that the price would be just the same, before and after the lottery.

The seller promised the buyer prizes in order to attract them and raise their selling.

The ruling for this second type was debated by the experts in contemporary cases of jurisprudence.

The first opinion in this matter stated that if the intention of the consumers to buy the goods from the supermarket was due to their needs, then it was alright for them. But if they intended to get the prize, then it was unlawful, because such intention would transform their transaction into a transaction with a gambling element inside it, and it fell under the category of lucky-or-unlucky one. This was the opinion of Sheikh Muhammad Ibn Shalih al Uthaymeen.

The second opinion stated that such prizes were totally unlawful, due to several reasons.

First: Determining whether or not there was an addition in price -which means that the prizes were taken from that price gap- was something difficult.

Second: The consumer aim to buy goods was an abstract thing, and difficult to assess, whether he bought the goods because of the prize or not.

Third: such practice would trigger the society to buy stuffs they actually need not of, and it was considered as overspending of money.

Fourth: There was an element of gambling on the seller, because it was possible that the buyer would get the prize whereas the selling target was still underachieved. It meant that the seller gambled by betting the prizes. If his selling target was achieved, he was lucky, but if it wasn’t, then he suffered some losses. Among the scholars who opted for this opinion was The scholars of the Standing Committee (Lajnah Daimah), sheikh Ibn Baz, etc.

The closest opinion to the truth is the first opinion, thus the ruling for such prize is alright, inshaa Allah, bearing in mind that the basic ruling of social an economical engagements are lawful.

The reasons to forbid it, as stated in the second opinion, with the requirements stated in the first opinion were:

A). There should be no price elevation due to the lottery.

B). The buyers buy  goods they need.

If both of these reasons were accomplished, the forbidding reasons then weren’t fulfilled.

(Dr. Khalid al Musyaiqih  in “Al Muamalah al Maliah al Mu’ashirah”)

Author: Ust. Aris Munandar, S.S., M.PI.

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Rulings for Renting Gold Jewelries

Rulings for Renting Gold Jewelries

Today, the gold business is not limited in trading only, but also has expanded into renting it as well. Some people were fond of wearing different jewelries on various occasions, but hesitated to buy and keep it themselves, due to the safety issues, their hobby to wear different jewelries, and financial issues. Is it permissible in Islam to practice such renting?

Regarding this problem, there was a fatwa issued by the scholars who were members of the Standing Committee for Fatwa (Lajnah Daimah), which stated : “After the committee examined the matter of question about the renting of gold jewelries, the committee would like to answer it as follow: Principally, it is allowed to rent the gold and silver jewelries with gold  or silver currency, or other exchanging tools, as long as the fee and the time period of renting are definite. After the period expired, the renter should return the jewelries that he or she has rented before. It is also alright to ask for a mortgaged stuff or a guarantee for this interest.”

This fatwa was signed by Sheikh Abdul Aziz bin Abdullah bin Baz, SheikhAbdul Aziz bin Abdullah alu Syaikh, Sheikh Shalih bin Fauzan al Fauzan, and Sheikh Bakr bin Abdullah Abu Zaid. (Fatwa of Lajnah Daimah episode : 15 Page no. 80, fatwa no. 19570).

Author:   Ust. Aris Munandar, S.S., M.PI.
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