Membeli Barang Dengan Sistem COD - Penggalan Kajian -Ust Dr. Erwandi Tarmizi, MA

Summary

In this video, an Islamic scholar discusses the permissibility of buying via Cash on Delivery (COD) from an Islamic perspective. The scholar explains that COD transactions are not inherently haram, but they can be if they involve 'buying debt with debt' (biuddain biddain). The key to a halal transaction is ensuring that both the goods and price are clearly specified and agreed upon. If ambiguity or debt is involved, the transaction becomes haram. The scholar also provides guidance on how contracts can be modified to avoid these issues, emphasizing the importance of cash payments and clear agreements in Islamic finance.

Takeaways

• 😀 COD transactions are not inherently haram; the issue arises from unclear or ambiguous transaction terms.
• 😀 The primary concern with COD is the possibility of 'bi'udain bi'udain' (buying debt with debt), which is considered haram.
• 😀 For a transaction to be halal, the goods and payment terms must be clearly defined at the time of purchase.
• 😀 If a buyer and seller agree on specific details, such as the exact item and its serial number, the COD transaction can be permissible.
• 😀 If the goods or price are not specified clearly at the time of the transaction, it can lead to a haram situation involving debt and ambiguity.
• 😀 Transactions that involve an umbrella contract with fixed, binding payments for goods can be problematic if they involve unclear exchanges of money and goods.
• 😀 To ensure the transaction is halal, payment should be made in clear, agreed-upon terms, ideally with cash or an upfront agreement.
• 😀 A supply contract example shows how the buyer should avoid ambiguous agreements and instead make clear cash payments for specific goods.
• 😀 If a COD transaction specifies the amount of money and item clearly at the time of payment, it is allowed, even if the goods will arrive later.
• 😀 Business contracts should avoid creating situations where goods are handed over without clear payment terms, which could lead to issues of debt and confusion.

Q & A

What is the main issue discussed regarding cash-on-delivery (COD) transactions in the script?

The main issue discussed is whether COD transactions are haram or halal, particularly focusing on the concept of buying debt with debt (biuddain biddain), which is considered haram in Islam.

What makes COD transactions potentially haram according to the script?

COD transactions can be haram if they involve uncertainty or debt-for-debt exchanges. Specifically, if the money and goods are not clearly defined at the time of the transaction, leading to ambiguity, it is considered forbidden.

How can COD transactions be made halal?

COD transactions can be halal if the payment and goods are clearly specified at the time of the transaction, with no ambiguity in the exchange. The buyer should have a clear understanding of the goods, and the payment should be made in full, with no debts involved.

What example is given in the transcript to illustrate a haram transaction?

An example given is a contract between a restaurant and a supplier for regular goods with a fixed price. If the actual prices fluctuate and the price paid does not match the market price, this creates uncertainty and debt exchanges, making the transaction haram.

What does 'biuddain biddain' refer to in the context of the script?

'Biuddain biddain' refers to the practice of buying debt with debt, which is considered haram in Islam. This happens when the transaction involves debt for the goods without clear terms of payment and delivery.

How does the script explain the concept of a clear transaction for COD to be halal?

The script explains that for COD transactions to be halal, there must be clear specifications for the goods and the payment must be settled without any uncertainty. For example, the buyer should specify the item they want and make the full payment immediately.

What is the significance of the serial number example in the script?

The serial number example illustrates that if the buyer specifies a particular product with a clear identifier (like an IMEI number for a cellphone), and the transaction is conducted with full clarity regarding the product and payment, then the COD can be halal.

What is the role of the seller and buyer in a halal COD transaction?

In a halal COD transaction, the seller is responsible for delivering the specified goods, while the buyer is responsible for making the payment immediately, with no ambiguity or debt exchange. Both parties should have a clear understanding of the transaction.

What is the alternative suggested for managing payments and contracts in the script?

The script suggests using cash payments or making bank transfers for goods instead of relying on unclear contracts. This ensures transparency and avoids the risk of haram debt exchanges. It also recommends directly paying for goods at the time of the transaction.

Why is the concept of a 'greeting contract' mentioned in the script?

The 'greeting contract' is mentioned as an alternative to avoid debt-based agreements. It ensures that payments are made upfront and goods are exchanged clearly, which makes the transaction halal. This approach avoids the complications of uncertain debt exchanges.