Hukum Paylater - HHMK 08 Tanya Jawab Kajian - Ust Dr. Erwandi Tarmizi, MA

Summary

The speaker addresses various concerns related to selling on a platform that uses credit loans (riba). They explain the penalties imposed on sellers who reject orders, and the ethical dilemma surrounding transactions involving riba. The speaker discusses whether it is sinful to sell goods to customers using riba-based loans and clarifies that the seller is not directly at fault if they do not participate in the loan process. The message emphasizes that the responsibility lies with the borrower and not the seller, and reassures that transactions remain halal for the seller.

Takeaways

• 😀 The question revolves around whether it is permissible to sell on a platform where riba (interest) is involved in transactions.
• 😀 There is concern about the penalty imposed for rejecting orders on such platforms, where refusal can lead to consequences for the seller.
• 😀 The user is asking if engaging with such platforms could involve indirect participation in transactions related to riba.
• 😀 Selling goods on a platform where transactions involve riba is debated, with the seller's direct involvement being key in determining permissibility.
• 😀 If the seller does not directly partake in riba-related transactions, they are not seen as sinful for selling, but they should be cautious about supporting a riba-based system.
• 😀 The inquiry extends to the issue of selling a house to someone who uses a riba-based mortgage (KPR).
• 😀 If the seller does not approve or directly help facilitate the riba transaction, selling the house is considered halal (permissible).
• 😀 The sin of riba falls on those who engage in the riba transaction, such as the borrower or lender, not on the seller of the goods or property.
• 😀 Islamic scholars generally agree that a transaction involving riba for the buyer does not make the seller's involvement in the transaction haram (forbidden).
• 😀 The seller should be mindful of not indirectly supporting or contributing to a system based on riba, and alternatives like Islamic finance should be considered.

Q & A

What is the main concern raised in the transcript regarding online selling platforms?

The main concern is about selling on a platform where orders can be canceled, which results in penalties for the seller. The question is whether it is ethical or permissible to sell in such an environment.

What is the issue raised about transactions involving 'riba' (usury) in the context of selling?

The issue discussed is whether selling to customers who are using loans with interest (riba) makes the seller complicit in sinful transactions. The question is if the seller shares responsibility for encouraging riba-based transactions.

Is a seller considered sinful if a customer buys from them using money obtained through riba?

According to the discussion, the seller is not sinful for accepting money obtained through riba, as long as they are not directly involved in facilitating the riba transaction. The sin lies with the person engaging in the riba-based loan.

What is the ruling on selling a house to someone who plans to buy it using a riba-based loan?

The ruling suggests that as long as the seller does not facilitate or support the riba transaction, selling the house is not sinful. The sin would lie with the person taking the riba loan.

Does the involvement of riba in the economy affect the permissibility of transactions?

No, the presence of riba in the economy does not make transactions inherently sinful for those not involved in the riba contract. The key factor is whether the seller actively participates in the riba process.

Is it wrong to engage in transactions on platforms that indirectly support riba-based loans?

The discussion suggests that if the seller is not directly involved in the riba transactions, it is not their fault. However, they are advised to avoid supporting systems that promote riba.

What do scholars say about selling goods to someone using riba-based loans?

Scholars agree that it is permissible for the seller to accept money from a customer using riba, as long as the seller is not participating in the loan process. The sin rests on the individual engaging in riba, not the seller.

Can a seller reject an order from a platform without facing penalties?

The script mentions that rejecting an order from a platform may result in penalties. The concern is how to balance ethical selling with platform rules.

What is the stance on the involvement of a country’s economy in riba-based financial systems?

The script notes that many countries operate using riba-based financial systems. However, this does not necessarily make all individual transactions involving riba sinful, as the responsibility lies with the person taking the loan, not the ones selling goods or services.

What is the key principle regarding transactions with money obtained through riba?

The key principle is that the seller is not at fault for accepting money obtained through riba, as long as they do not directly assist in or facilitate the riba loan. The sin lies with the one borrowing money through riba.