The MMM Transaction
Question: To be straight to the point, I’d like to ask, is the MMM business system is considered usury?. You may not know yet what is MMM. MMM or Mavrodj Mondial Moneybox is a community founded by Mr. Sergey Mavrodi to prosper the member/participant of that community by helping each other among members, with a reward of 30% per month, or more. Thus, in this business system, there are circulating money among members by transferring to one another.
In this system, there is what so-called PH, a short for Provide Help. After 1 month, we do GH (Get Help) and we get 30%. The problem is where do that 30 % come from? The 30 % come from this pattern: For example, we as A. A will provide help as many as 1 million, then the system will randomly choose people who’ll accept that help, and those people should simultaneously make GH application. The scheme is:
– A transfers to B IDR 100,000
– A transfers to C IDR 500,000
– A transfers to D IDR 400,000
Then after approximately one month, mavro IDR (rupiah in the form of mavro) will add 30% to our money. And after the due time, and the mavro IDR has reached 1,300,000, we automatically GH. The system has arranged it and people who’ll give help are different from the previous ones.
– E transfers to A IDR 200,000
– F transfers to A IDR 500,000
– G transfers to A IDR 100,000
– H transfers to A IDR 500,000
E, F, G, H are playing as PH, and A as GH.
Thus, the money will always circulate and time of each member to be PH or GH will not be the same.
I’m asking whether or not this system regarded as usurious? It is evident that our intention to help is sincere without hoping for return, and people thar we help are different from the one gives us help.
In the name of Allah, peace and prayer of Allah be upon His messenger.
Islam teaches us to give alms and donation to seek for rewards in the Hereafter. Whenever we prepare some money to be donated, we already intend to get the rewards in the Hereafter.
مَثَلُ الَّذِينَ يُنْفِقُونَ أَمْوَالَهُمْ فِي سَبِيلِ اللَّهِ كَمَثَلِ حَبَّةٍ أَنْبَتَتْ سَبْعَ سَنَابِلَ فِي كُلِّ سُنْبُلَةٍ مِائَةُ حَبَّةٍ وَاللَّهُ يُضَاعِفُ لِمَنْ يَشَاءُ وَاللَّهُ وَاسِعٌ عَلِيمٌ . الَّذِينَ يُنْفِقُونَ أَمْوَالَهُمْ فِي سَبِيلِ اللَّهِ ثُمَّ لَا يُتْبِعُونَ مَا أَنْفَقُوا مَنًّا وَلَا أَذًى لَهُمْ أَجْرُهُمْ عِنْدَ رَبِّهِمْ وَلَا خَوْفٌ عَلَيْهِمْ وَلَا هُمْ يَحْزَنُونَ
The example of those who spend their wealth in the Way of Allah is like that of a grain of corn that sprouts seven ears, and in every ear there are a hundred grains. Thus Allah multiplies the action of whomsoever He wills. Allah is Munificent, All-Knowing. Those who spend their wealth in the Way of Allah and do not follow up their spending by stressing their benevolence and causing hurt, will find their reward secure with their Lord. They have no cause for fear and grief. (Chapter Al Baqara/The Cow:261-262)
The Messenger of Allah – peace and prayer of Allah be upon him- also advised us, so that no matter how small that we give, we give it due to our fear of Allah’s punishment. ,
فَلْيَتَّقِيَنَّ أَحَدُكُمُ النَّارَ وَلَوْ بِشِقِّ تَمْرَةٍ، فَإِنْ لَمْ يَجِدْ فَبِكَلِمَةٍ طَيِّبَةٍ
Fear the Hell, (and protect yourself from it) even with a half of date fruit. If you don’t have it, then by saying good words.” (Narrated by Bukhari no. 1413, Muslim 1016, and others).
Verses and hadith that speak about this matter are numerous.
Islam also teaches us to give something to other without wishing for greater return. Allah reminded us,
وَلَا تَمْنُنْ تَسْتَكْثِرُ
“and bestow not favor in order to seek from others a greater return,” (Chapter Al Mudatstsir/The Cloaked One:6)
Ibnu interpreted this verse:
لا تعط عطية تلتمس بها أفضل منها
’Do not give something to seek for a better return.’ (See: Tafseer al Qurthubi, 19/67).
This is how Islam teaches the muslims, to build the non-profit spirit in doing the social deeds. Moreover to wish for return from the aid given.
It all shows that the MMM transaction is not in line with some principles of Islam, thus it shouldn’t be preserved.
Allah knows best.
Answered by: ustadz Ammi Nur Baits