Hukum Belanja dengan Sistem COD - Ustadz Dr. Erwandi Tarmizi, MA

Summary

The video discusses the Islamic rulings on Cash on Delivery (COD) transactions in online shopping, particularly on platforms like Shopee. The speaker explains how COD can be either permissible or forbidden depending on how the seller manages the transaction. Key points include the importance of clearly specifying the item being sold, including its serial number or other identifiable details, and how ownership is transferred. The speaker emphasizes that transactions must be transparent, with clear descriptions of the product, and warns against selling unspecified or non-existent items. The discussion also touches on concepts like 'Bum' and 'salam' transactions in Islamic commercial law.

Takeaways

• 😀 The permissibility of Cash On Delivery (COD) transactions depends on how clearly the product is specified by the seller.
• 😀 If a product (like a phone) is sold without clear details such as IMEI numbers, the transaction can be considered haram (forbidden) in Islamic law.
• 😀 A product must be clearly defined (e.g., its IMEI number) for a COD transaction to be halal (permissible).
• 😀 If a seller says they are selling a product but provides no clear specifications, such a sale creates ambiguity and is therefore haram.
• 😀 For a COD transaction to be valid, the seller must clarify that the item is reserved for the buyer and cannot be sold to someone else once agreed upon.
• 😀 If a product is specified, the transaction is halal, even if the payment hasn't been completed yet, as long as the item is guaranteed for the buyer.
• 😀 The concept of a 'measuring transaction' (like COD without clear details) leads to ambiguity and is prohibited in Islamic law.
• 😀 An important condition for halal transactions is that the buyer and seller both agree on the product specifications and ownership before the exchange happens.
• 😀 The example of selling a book with specifications rather than photos illustrates the importance of clarity in product description for lawful transactions.
• 😀 Islamic law stresses the need for a clear and defined exchange when engaging in transactions like COD to avoid disputes and ambiguity.

Q & A

What is the main topic of the transcript?

The main topic of the transcript revolves around the concept of buying and selling (sale) with a Cash On Delivery (COD) system, specifically discussing its legality and the conditions under which it may or may not be permissible in Islamic law.

What is the problem with selling items through COD without clear specification or photo?

The problem arises when the seller does not provide clear specifications or photos of the product they are selling. This can lead to ambiguity regarding the product's exact condition and features, making the transaction problematic in terms of Islamic law.

What is meant by the term 'Bondan' in this context?

In the transcript, 'Bondan' refers to a type of sale where the product is described but not physically shown. The sale occurs based on specifications alone, and this form of sale could be problematic if it lacks clarity on the product's identity, leading to potential issues in the transaction.

Is it permissible to sell a product with COD if the product is not clearly specified or shown?

No, it is considered haram (forbidden) to sell products under a COD system if the item is not clearly specified or shown. The sale should involve a clear description and identification of the product.

What is the condition under which selling through COD becomes permissible?

Selling through COD becomes permissible when the seller provides a clear and precise description of the product, including its specifications, and confirms that the product has been reserved for the buyer, ensuring that it is not sold to others.

How does the concept of 'ownership transfer' apply to the COD transaction discussed?

The concept of 'ownership transfer' applies when the seller agrees to sell the product and it is considered transferred to the buyer, even before the buyer receives the item. Once the product is described and agreed upon, the ownership moves to the buyer, even if the payment is pending.

What happens if a product is reserved for a buyer but not yet paid for?

If a product is reserved for a buyer but not yet paid for, the seller cannot sell it to another person. The product is considered as having been sold to the first buyer once the description and agreement have taken place.

What is the difference between a normal sale and a sale involving COD in the transcript's context?

In a normal sale, payment is typically made upfront, while in a COD sale, the buyer pays upon receiving the item. However, the key difference discussed is that for COD to be valid, the product must be clearly specified, and its ownership transferred once the sale is agreed upon.

What is the relationship between COD transactions and the concept of 'selling on credit' in Islamic law?

COD transactions can resemble selling on credit, but they are distinct in that the payment is made at the time of delivery. However, issues arise if the sale is ambiguous or lacks clear ownership transfer, making it similar to a sale that is considered 'on credit' or uncertain, which can be problematic.

How does the idea of 'salam' relate to the discussion of COD sales in the transcript?

The idea of 'salam' (a type of sale where the buyer pays upfront for goods to be delivered later) is related to COD sales as it shares similar elements of deferred payment. However, 'salam' specifically involves goods that are clearly defined and agreed upon, while COD sales need clarity and certainty in product details for them to be valid.