Tinjauan Hukum Islam Terhadap Transaksi Paylater | Buya Yahya Menjawab

Summary

In this video, Buya Yahya provides insights on Islamic views regarding online transactions, particularly focusing on payment models like deferred payments. He discusses the varying opinions among Islamic scholars, such as Imam Syafi'i, Imam Malik, and Imam Abu Hanifah, on the legitimacy of online sales and payment structures. Buya emphasizes the importance of honesty in transactions and the dangers of engaging in practices involving riba (interest), which is forbidden in Islam. He also warns against being tempted by unethical business practices and encourages believers to seek lawful, blessed ways of conducting business.

Takeaways

• 😀 Online transactions are permissible in Islam, but the validity depends on how the transaction is structured.
• 😀 According to Imam Syafi'i, online transactions are invalid if the buyer cannot physically inspect the goods before purchase.
• 😀 Imam Malik and Imam Abu Hanifah allow online transactions as long as the product's characteristics (musafaat) are clearly described.
• 😀 A key principle in Islamic sales is the certainty of the product being purchased—buyers must have clear knowledge of the item.
• 😀 The concept of deferred payment (delaying payment for goods) is permissible, but caution must be taken to avoid interest (riba).
• 😀 Any transaction that involves additional charges for delayed payment is considered riba and therefore forbidden in Islam.
• 😀 Riba occurs when a debt increases over time due to an added fee or interest, which is prohibited in Islamic finance.
• 😀 Muslims should avoid transactions that involve hidden fees or interest, and instead seek fair, transparent agreements.
• 😀 It’s important to verify all terms and conditions of a transaction before entering into an agreement to avoid unethical practices.
• 😀 The speaker advises Muslims to choose business methods that align with Islamic principles of fairness, justice, and honesty, and to avoid rushing into business decisions motivated by greed.

Q & A

Is it permissible to engage in online transactions in Islam?

According to Islamic jurisprudence, there are varying opinions on online transactions. Some scholars, particularly in the Shafi'i school, argue that the transaction is not valid unless the buyer has physically seen the item. However, other schools like those of Imam Malik and Abu Hanifa allow for transactions as long as the product's characteristics are clearly defined.

What are the three common types of payment methods in online transactions?

The three common types of payment methods in online transactions are: 1) Pay first, then receive the item; 2) Receive the item, then pay; 3) Payment deferred with certain conditions, such as a one-month delay with handling fees or additional charges for late payment.

What does the concept of 'khiyar' mean in the context of online transactions?

Khiyar refers to the right to cancel a transaction if the product doesn't meet the agreed-upon specifications. In the Hanafi school, even if the buyer doesn't physically see the product, they can exercise 'khiyar' if the item doesn't match the described characteristics.

Why is the sale of gold and silver not allowed to be deferred in Islamic finance?

The sale of gold and silver, or currency equivalents, is not allowed to be deferred because it involves 'riba' (interest). Islamic law mandates that such transactions must be immediate and on the spot, meaning both payment and delivery should occur simultaneously.

What happens if a buyer fails to make the payment within the deferred period in an Islamic transaction?

If a buyer fails to make payment after the agreed-upon deferred period, it can lead to 'riba' (interest). This occurs because the value of the debt increases due to the delay in payment, which is considered an illegal increase in Islamic law.

How does the Islamic perspective on deferred payment impact businesses offering credit or installment plans?

Islamic law permits installment-based transactions as long as the terms are clearly agreed upon from the start. However, if there is an additional cost or interest added after the delay in payment, it would be considered riba and thus prohibited.

Is it allowed for a seller to offer different prices for an item based on the payment method (cash or credit)?

Yes, it is permissible for a seller to offer different prices based on the payment method, as long as the buyer is given a choice between the different payment options upfront. This is known as 'price differentiation' and does not violate Islamic principles if the terms are clear.

Can a buyer cancel a transaction if the item received does not match the description, according to Islamic law?

Yes, a buyer can cancel the transaction if the item received does not match the description, as long as the conditions of the sale were clear from the beginning. This is in accordance with the principle of 'khiyar' (option to cancel) in Islamic law.

What should a Muslim do if they realize they are engaged in a transaction that involves riba?

A Muslim should repent and seek forgiveness from Allah if they are engaged in a transaction involving riba. They are advised to exit such transactions and seek lawful and halal alternatives for business dealings.

How does the Islamic view of 'riba' affect the concept of loans and credit in modern finance?

In Islamic finance, loans and credit transactions that involve interest (riba) are strictly prohibited. The key principle is that money should not generate money without risk or effort. Thus, alternative financing methods like profit-sharing or equity participation are encouraged in place of interest-based lending.