[Tanya Jawab] Hukum Kredit Rumah dengan Sistem KPR - Ustadz Adi Hidayat

Summary

In this video, an Islamic scholar addresses a person's concern about continuing to pay a bank loan with interest (riba), which they entered unknowingly. The scholar explains the religious implications of riba, emphasizing that while it is haram, there are ways to rectify the situation, such as converting the loan to an Islamic bank loan. The scholar advises careful consideration of one's circumstances and stresses the importance of gradual steps to exit the haram transaction, with faith in Allah's guidance. The discussion also highlights the broader ethical and practical aspects of dealing with financial challenges in Islam.

Takeaways

• 😀 Riba (interest) is haram (forbidden) in Islam, and Muslims are advised to avoid engaging in transactions that involve it.
• 😀 If someone unknowingly engages in a riba-based loan, they should seek repentance and trust that Allah will forgive them, as long as they act with sincerity.
• 😀 The concept of necessity (darurat) in Islam allows for temporary actions that would normally be forbidden, such as continuing a riba-based loan if there are no alternatives for shelter or basic needs.
• 😀 Converting a conventional loan into a Sharia-compliant loan is the best option if feasible, as it removes the riba element and aligns the transaction with Islamic principles.
• 😀 If converting to a Sharia-compliant loan isn't possible, the individual should continue paying off the loan while striving for repentance and improvement in their financial situation.
• 😀 Radical actions, like selling a house without an alternative living arrangement, should be avoided, as they could create even more hardship.
• 😀 Islam encourages a balanced approach, where one should not abandon their obligations or responsibilities in haste but rather consider long-term solutions and stability.
• 😀 The example of the Islamic leader Umar ibn al-Khattab emphasizes the importance of compassion, even in financial matters, and shows how leaders should be accountable for the welfare of their people.
• 😀 Muslims should seek Allah’s guidance and pray for solutions when they are stuck in difficult financial situations, especially when navigating the complexities of riba and loans.
• 😀 Ultimately, Islam prioritizes justice and fairness in financial matters, and while exiting riba-based systems is important, it should be done carefully and with consideration of one’s circumstances.

Q & A

What is the main concern addressed in the transcript regarding the mortgage and riba (interest)?

The main concern is whether it is permissible to continue paying a mortgage that involves interest (riba), or if one should sell the house or leave the mortgage, as riba is considered haram (forbidden) in Islam.

What is the Islamic perspective on continuing with a loan that involves riba?

Islamic teachings generally regard riba as haram. However, the individual’s circumstances must be considered. If the person is unable to pay off the loan immediately or sell the property, temporary measures may be acceptable under the principle of necessity (darurah).

How should one approach a situation where they are already in a riba-based loan but want to align their finances with Islamic principles?

The best course of action is to consider converting the conventional loan to a sharia-compliant loan. This can be done by working with a bank that offers Islamic financing options, which would allow for the payment to proceed without interest.

What is the role of repentance and prayer in this situation according to the transcript?

The speaker emphasizes that repentance (tawbah) and prayer (istighfar) are crucial when dealing with past mistakes, such as unknowingly engaging in riba. Turning to Allah for forgiveness and guidance is key in moving forward.

What does the speaker suggest if the individual is facing financial hardship from the riba-based mortgage?

If the individual faces significant hardship, the speaker suggests that they may continue with the current situation temporarily, as long as they make efforts to resolve it and avoid further financial harm. This approach follows the principle of darurah (necessity), where exceptions are made in cases of extreme need.

Is it acceptable in Islam to break a riba-based contract and sell the property immediately?

Not necessarily. The decision should be weighed carefully. If selling the property immediately would cause further harm or hardship, it is advised to seek alternative solutions, such as converting the loan to sharia-compliant financing or finding another way to resolve the situation gradually.

What historical example does the speaker reference to support the principle of ethical leadership in Islamic finance?

The speaker references the example of Umar ibn al-Khattab, who was deeply concerned about the welfare of his people, even worrying about the fate of a single sheep in his territory. This illustrates the importance of ethical leadership and the need to consider the broader implications of one’s actions.

How does the speaker advise individuals to balance their financial needs with Islamic principles?

The speaker advises individuals to carefully evaluate their circumstances. If they can convert to a sharia-compliant loan, that is preferable. If not, they should continue with the current arrangement temporarily, while striving to resolve the issue and seek Allah's help, without causing further hardship or making impulsive decisions.

What is the significance of the concept of darurah (necessity) in this context?

Darurah (necessity) is important in this context as it allows for temporary exceptions to the rules when an individual’s survival or basic needs are at risk. If leaving the mortgage or loan would result in severe financial difficulty or homelessness, it is permissible to continue under the principle of necessity.

What should an individual do if they want to exit the riba-based contract and align with sharia principles?

The individual should seek to convert their mortgage to a sharia-compliant loan, if possible. This involves working with an Islamic financial institution to settle the existing loan and proceed with payments that do not involve riba. If this is not possible, the individual should try to resolve the situation gradually while seeking Allah’s forgiveness.