BACA BUKU FIQH : " RIBA " | Kajian Fiqh Sulaiman Rasyid | Part 19

Summary

This video discusses the concept of 'riba' (usury) in Islam, explaining its meaning in both linguistic and religious terms. It delves into different types of riba, such as riba fadhl, riba nasiah, and riba qardhi, and the harms it causes in society. The script highlights the prohibition of riba in Islamic law, supported by Quranic verses and Hadiths. The video also touches on the practice of modern Islamic banking, showcasing how Shariah-compliant banks operate to avoid riba. The message emphasizes the importance of avoiding riba to protect individuals and society from its detrimental effects.

Takeaways

• 😀 Riba, according to Arabic, means increase or addition. It refers to an increase in financial transactions, like when money is borrowed and returned with more than the original amount.
• 😀 According to Islamic jurisprudence (Fiqh), riba occurs when there is an exchange of goods or money with conditions that involve a guaranteed increase or when there is delay in the transaction without agreement.
• 😀 There are different types of riba, including riba al-fadl, riba al-nasiah, and riba qardhi. These involve transactions like unequal exchanges, delayed payments, or loans with added interest.
• 😀 Riba al-fadl occurs when there is an unequal exchange of goods of the same type, such as trading different quantities or qualities of goods like gold for gold or wheat for wheat.
• 😀 Riba al-nasiah refers to delaying payment in a loan transaction, often resulting in additional charges or interest based on the delay.
• 😀 The Islamic ruling on riba is very clear: it is forbidden in the Qur'an and hadith. Those who engage in riba are considered to be at war with Allah and His Messenger.
• 😀 The practice of charging extra for delaying debt payments or adding interest to loans, commonly seen in banking and lending, is deemed unjust and exploitative in Islam.
• 😀 Several hadiths and Quranic verses highlight the severe consequences for those involved in riba, emphasizing the harm it causes to individuals and society.
• 😀 The alternative in Islamic finance is the principle of mutual cooperation and fairness, as seen in the concept of profit-sharing and avoiding exploitation through usury.
• 😀 Sharia-compliant banking systems, such as Islamic banks, aim to operate without engaging in riba, providing financial services based on Islamic principles of fairness and equity.

Q & A

What is the meaning of 'riba' in Arabic?

In Arabic, 'riba' means 'more' or 'increase.' It refers to the concept of an increase or surplus in certain transactions, often linked to usury.

What is the definition of riba according to Islamic law?

Riba, in Islamic jurisprudence, refers to any increase or excess in a transaction that is considered unjust or exploitative, particularly in loans or exchange of goods.

What are the different types of riba discussed in the script?

The script mentions several types of riba, including riba qardhi (usury in loans), riba nasi'ah (delayed repayment), and riba fadhl (exchange of goods of the same type with excess), among others.

What is riba qardhi, and how does it work?

Riba qardhi refers to usury in loans, where the lender demands more money than what was originally borrowed, either as a fixed amount or based on a delay in repayment.

Why is riba nasi'ah considered haram in Islam?

Riba nasi'ah is prohibited because it involves delaying payment and adding an extra charge for that delay. This practice was common in pre-Islamic times and is seen as unjust because it exploits those in need.

What does the script say about the societal harm of riba?

The script emphasizes that riba leads to increased inequality, where the rich become richer and the poor suffer. It also highlights the spiritual harm of engaging in riba, as it is considered a challenge to faith and a cause of societal damage.

What are the Quranic and Hadith references mentioned in the script about riba?

The script references several Quranic verses and Hadiths that forbid riba, including verses from Surah Al-Baqarah and other texts that warn against engaging in usury and its harmful effects.

What is the Islamic stance on people who engage in riba?

Islam considers engaging in riba a grave sin. The script mentions that those who involve themselves in riba, including lenders, borrowers, and even those who facilitate the transaction, are warned of severe consequences in the Hereafter.

How does the script explain the idea of riba being a form of exploitation?

Riba is seen as exploitative because it allows the wealthy to gain profits without any real effort or risk, while the poor are burdened with increasing debt, leading to their financial ruin.

What alternatives to traditional banking and riba-based transactions does the script suggest?

The script mentions Islamic banking, particularly Shariah-compliant banks, which offer financial services without engaging in riba. These banks operate under principles that avoid exploitative interest rates and focus on ethical financing.