Penjelasan rinci hukum COD (Cash On Delivery) oleh Ustad Dr Erwandi

Summary

In this insightful discussion, the speaker clarifies the permissibility of COD payments in Islamic law, addressing conflicting opinions on whether it constitutes debt with debt. By referencing the Prophet Muhammad's (SAW) transaction with Jabir involving the purchase of a camel, the speaker explains how a deferred payment agreement can still be valid. The talk also touches on the concept of 'Bum' (debt) in Islamic transactions, emphasizing the importance of clear agreements, and contrasts permissible advance sales (jual beli salam) with forbidden ones. Ultimately, the message encourages understanding Islamic commercial laws and the nuances of valid sales transactions.

Takeaways

• 😀 Payment methods like Cash on Delivery (COD) are debated within Islamic law, with differing opinions on whether they are permissible.
• 😀 One view is that COD is forbidden because it involves 'debt for debt,' while another view allows it, citing practices of the Prophet Muhammad (SAW).
• 😀 The story of the Prophet Muhammad (SAW) purchasing a camel from Jabir, with payment deferred until a later time in Madinah, is used as an example of permissible deferred payment.
• 😀 The camel purchase by the Prophet Muhammad (SAW) was valid because the camel was clearly specified, and only the payment was deferred, not the ownership of the camel.
• 😀 The concept of 'bum' is mentioned, emphasizing that it is important to understand the correct definition of terms in Islamic transactions to avoid mistakes.
• 😀 In transactions involving COD, the seller must clearly specify the goods being sold, as unclear or ambiguous transactions could lead to forbidden practices.
• 😀 The seller and buyer must agree on the goods and price clearly, with no ambiguity about the item being sold or its delivery terms.
• 😀 The sale of goods not owned at the time of the transaction, such as photographs or unspecified items, is not allowed in Islamic law.
• 😀 The sale of future goods, like crops or produce, is allowed under certain conditions, such as specifying the goods and minimizing the risk of failure (like in the case of 'salam').
• 😀 Misunderstanding the meanings of certain hadiths or Islamic jurisprudence principles can lead to incorrect conclusions, so it's important to understand the full context of the teachings.

Q & A

What is the main issue discussed in the script regarding COD (Cash on Delivery)?

The main issue discussed revolves around the permissibility of COD transactions in Islamic law. One view suggests that it is not allowed because it involves debt and debt, while another view argues that it is permitted, citing the example of the Prophet Muhammad's (SAW) purchase of a camel from Jabir.

How does the example of Prophet Muhammad's (SAW) transaction with Jabir relate to the discussion about COD?

In the case of Prophet Muhammad (SAW), he agreed to buy a camel from Jabir during a journey. The camel was purchased and the payment was deferred until they reached Madinah, which is seen as a clear and valid transaction because the camel was specific (mu'ayan) and the payment arrangement was not unclear or ambiguous.

What is the difference between the transaction of the camel and a typical COD transaction?

The key difference is that in the camel transaction, the specific item (the camel) was agreed upon and the payment was deferred to a later time. In contrast, a COD transaction might lack clarity about the exact item being purchased, which can lead to confusion or uncertainty about the terms of the sale.

What does 'mu'ayan' mean in the context of Islamic transactions?

'Mu'ayan' refers to something that is clearly identified or specified in a transaction. In the case of the camel, it was clear what was being bought and sold, making it a valid transaction according to Islamic principles.

Why does the speaker emphasize the importance of understanding the difference between 'mu'ayan' and other types of transactions?

The speaker emphasizes this to clarify that transactions involving ambiguous or unspecified items are problematic in Islamic law, while transactions with clearly defined items are permissible, even if the payment is deferred.

What is the concept of 'salam' in Islamic finance?

Salam is a type of contract in Islamic finance where the buyer pays in advance for goods that will be delivered later. It is allowed as long as the goods are clearly specified, even if they are not yet in the possession of the seller at the time of the contract.

How does the concept of 'salam' differ from selling goods that have not been obtained yet?

In 'salam,' the goods to be delivered in the future are clearly specified and agreed upon. In contrast, selling goods that have not been obtained yet without specification, or the risk of not receiving them, is not allowed in Islamic law.

Why is it problematic to sell something that has not yet been acquired in a typical transaction?

Selling something that has not yet been acquired is problematic because it creates uncertainty and the possibility of not fulfilling the terms of the contract, which goes against the principles of fairness and certainty in Islamic trade.

How does the speaker explain the issue with selling an unspecified item or just showing a picture of a product in a transaction?

The speaker explains that if a seller shows a picture of an item without specifying which exact item is being sold, it creates ambiguity. This leads to the transaction becoming invalid, as the item is not clearly defined, and the buyer may not receive exactly what they agreed upon.

What lesson does the speaker want the audience to take away regarding understanding Islamic financial transactions?

The speaker wants the audience to understand that Islamic financial transactions should be based on clear and well-defined agreements. The audience is encouraged to not just understand a single hadith in isolation but to consider the broader context and legal principles in order to avoid mistakes in financial dealings.