Perbedaan Riba dengan Keuntungan atau Margin | Buya Yahya

Summary

In this video, the speaker explains the fundamental difference between profit and usury (riba) in Islamic teachings. While usury is strictly prohibited for exploiting the borrower, earning profit through honest trade is allowed, provided there is no deceit or market manipulation. The speaker emphasizes fairness in transactions, transparency in pricing, and the importance of not harming others in the market. Additionally, those involved in usury are urged to seek repentance, as Allah is merciful. The video highlights the ethical principles that guide Islamic financial dealings, encouraging both fairness and justice in trade.

Takeaways

• 😀 Usury (riba) is strictly prohibited in Islam, while profit from legitimate business transactions is allowed.
• 😀 The key difference between usury and halal profit lies in how the transaction is structured. Usury involves unfair profit from lending with interest, whereas business profits come from buying and selling goods transparently.
• 😀 There is no fixed percentage for profit in Islam; as long as the transaction is fair, honest, and mutually agreed upon, any level of profit is permissible.
• 😀 Deception and cheating in business, such as claiming false prices or misleading customers, is forbidden in Islam.
• 😀 Usury can take many forms, including usury from debts (adding interest to loans) and unfair trading practices like exchanging gold in ways that favor one party unjustly.
• 😀 It is prohibited to manipulate the market by lowering prices or making transactions that disrupt the balance, as this can harm other businesses and create unrest.
• 😀 The importance of mutual consent in trade: Both parties in a transaction must agree on the price and terms without coercion or deceit.
• 😀 Profit can be significant, but it must be based on honest transactions. It is not forbidden to make a substantial profit if the product is sold at a fair price.
• 😀 Muslims should avoid usury and return to Allah for repentance if involved in usurious practices. Allah is merciful and ready to forgive.
• 😀 The message emphasizes ethical business practices, reminding people to guard the integrity of the market and avoid actions that foster hatred or jealousy among sellers.
• 😀 While trading, it is important to be aware of market dynamics, ensuring that practices do not harm others, especially by exploiting differences in price across locations.

Q & A

What is the main difference between profit and usury in Islamic finance?

The key difference is that profit from legitimate business transactions (like buying and selling) is permissible in Islam, while usury (riba) is prohibited. Usury involves taking excessive interest or exploiting someone’s financial distress, which is considered haram, even if it results in profit.

Why is usury considered haram (forbidden) in Islam?

Usury is prohibited because it takes advantage of those in need, such as people who borrow money when facing a financial crisis. It exploits their situation, often causing harm, while Islamic finance promotes fairness, transparency, and avoiding exploitation.

What types of usury are mentioned in the script?

The script mentions several types of usury, including usury in debt (when money is lent with an added interest), usury of gold (buying and selling gold with unequal exchange rates), and usury in transactions involving goods like rice or masem (a type of gold).

Is it allowed to make a profit in business transactions according to Islamic law?

Yes, it is allowed to make a profit, as long as the transaction is fair and transparent. The profit margin is not specifically limited, but the key is to avoid deceit, dishonesty, or manipulating the market.

Can a seller charge any profit margin in their sales?

Sellers can charge any profit margin, as long as it is not based on deception or dishonesty. For example, buying goods in a rural area for a lower price and selling them in a city for a higher price is permissible if the transaction is honest.

What does 'taradin' mean in the context of a transaction?

In the context of a transaction, 'taradin' refers to mutual consent between the buyer and seller. Both parties should agree on the price and terms of the sale without any form of coercion or deception.

Is it permissible to make a profit even if it is significantly higher than the purchase price?

Yes, it is permissible to make a higher profit, as long as the transaction is conducted fairly and there is no deception. For example, if an item is purchased cheaply in one place and sold at a higher price in another, this is acceptable in Islamic law.

What role does honesty play in Islamic business transactions?

Honesty is crucial in Islamic business transactions. Lying or inflating prices dishonestly is forbidden, but if the profit is earned honestly through legitimate business practices, it is permissible.

What is the significance of avoiding market manipulation in Islamic finance?

Avoiding market manipulation is important because it ensures fairness and prevents harm to the community. If a seller damages the market by underpricing goods or monopolizing certain products, it can lead to unfair competition and resentment.

What should a person do if they are currently involved in usury or dealing with debts in an unlawful way?

A person involved in usury or unlawful debts should immediately return to Allah, seek forgiveness, and make efforts to rectify their financial practices. Islam teaches that Allah is merciful and provides a path for repentance.