Profits and loss of credit sales
In each type of buying and selling transactions, there must be advantages and disadvantages. Likewise with buying and selling credit, there are advantages and there are also shortcomings. This can be a consideration for those who want to use this type of credit transaction.
Buying and selling credit has now become a familiar transaction, almost all commodities can now be credited, ranging from property, vehicles, electronic goods, education, health, even to goods that can be categorized as cheap goods. Therefore, this discussion can be a consideration for those who want to transact on credit.
The advantage of selling credit [1]
The credit buying and selling system itself has advantages that cannot be underestimated. In fact, the excess of buying and selling credit back to individuals or the public in general. Among the advantages are as follows,
Buying and selling credit can generate the economy
With the sale and purchase of credit, the economy will rise. This is because the number of buyers will be more and more because of the easy goods sold. When more and more items are sold, the profit will be obtained. So that the maslahat can be achieved.
As is known that between Maqasid Asy-Syari’ah (The foundation of the prescribed of Islamic laws) is giving birth to a benefit. In general, this is what is demanded in Islam. Sheikh Muhammad Bin Salih Al-Utsaimin Rahimahullah in the Manzhumah Usulul Fiqh wa qawa’iduhu,
Religion becomes human happiness … and evil is for them
Every material is a beneficial thing that has been given …
“Religion comes for human happiness
And to eliminate their losses and dangers
Therefore, every useful thing has been done
And every dangerous person is prohibited. ” [2]
So that the speed of goods that are fast, produced and caused by buying and selling credit is a benefit. Certainly not forbidden if indeed buying and selling credit is valid and lawful.
Make it easier to get the desired item
For buyers, of course it is very easy to get the desired item. Because credit is to obtain goods first, then payment is made in installments. Of course this is very easy for people who really need to get the item. Like people who want to get married and do not have enough capital. So that buying and selling credit is an option for buying home equipment, vehicles, and so forth. Of course this is very, very helpful.
Accelerate economic movements
As the previous point above, besides being able to revive the economy, among the excess of credit buying and selling can certainly accelerate the economy. Of course if the purchase will increase, production will increase, and so forth.
Lack of Credit Purchase Credit
In accordance with many benefits from this sale, there are also many shortcomings. Among them,
Buying and selling credit is closely related to debt receivables
Buying and selling credit forces someone to lead to debt. Even more dangerous, forcing to buy something that is true they have not been able to buy it. Because they have not been able to buy, they are unable to pay or pay it off (read: bad credit).
Prophet sallallaahu ‘alaihi wa sallam This is very strict in this debt problem. He sallallaahu ‘alaihi wa sallam say,
If a man, when he was fined, he spoke, then he lied, and he was backward.
“Surely someone, if he has been burdened with debt, then he will speak and then lie, and promise then deny.” (Muttafaqun ‘alaih)
Until the Prophet sallallaahu ‘alaihi wa sallam Always take refuge from debt. Aisyah Radarallahu ‘Anha said, the Prophet sallallaahu ‘alaihi wa sallam Often pray in his prayers,
Oh God, I will slander you from the oath and dignity
“O Allah, I seek protection in you from sin and become debt.”
Someone asked the Prophet sallallaahu ‘alaihi wa sallam, “How often do you seek protection in God from debt, O God of envoys. ”
Then he said as the hadith above.
Among the dangers of debt is to make someone captured in the world and the hereafter due to debt that has not been paid. Prophet sallallaahu ‘alaihi wa sallam say,
The soul of a believer was suspended by his religion until his debt was eliminated from him
“The soul of a believer depends (restrained) because of his debt, until the debt is paid off.” (Hours in Tirmidzi and Evaluated Sahih by Sheikh al-Albani)
Even when the Prophet sallallaahu ‘alaihi wa sallam Want to faith the body, the first time he asked was his debt. If the body still has debt (which has not been paid), then he does not want to stretch it, while saying,
Pray your friend
“Explore your friends.” (Hours. Bukhari)
Some scholars commented on this matter, that because the Prophet sallallaahu ‘alaihi wa sallam do not want to turn on people who still have debt can be due to several reasons:
First, He wants to warn the dangers of debt;
Second, He wants to warn from delaying debt payments;
Third, He did not want his prayer to be rejected because there were human rights that had not yet been paid.
Therefore, for those who want to buy and sell credit, please think back. Are the items you want to buy really needed? Am I able to pay for it? So that it should not be fooled by the lure of lucrative credit at the beginning, but in the future it will regret because it is difficult to pay for it, so that other sins arise such as lying, cheating, and so forth.
Indirectly, buying and selling credit in some circumstances teach that someone “style” is more above his ability. This is also included in the shortcomings of buying and selling credit. When this is the case, someone will try to owe to satisfy his wishes. So no longer cares about the nominal owned, this is certainly very dangerous.
All sell credit with responsibility
It can be said that because almost all existing credit is not separated from usury. Even though it is called other names, such as interest, administrative costs, and others. Riba is trying to be obscured from its nature, the names are used (it seems) beautiful “so that many people are sprinkled from transactions that are true Allah and the Messenger have forbidden from it.
Therefore, a Muslim is required to be smart in changing and doing it. Of course credit is not a solution to every problem and desire. As long as it is not an emergency, then hold on to the desire not to do credit or debt. Buy if we are truly able to buy it, do not we burden ourselves with something that we cannot complete.
Hope it is useful, Wallahu a’lam.
[Bersambung]
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Depok, 14 Zulkaidah 1446/13 May 2025
Writer: Zia Abdurrofi
Article Muslim.or.id
Reference:
In general, this discussion was summarized from the book Al-Bay’u bit taqsith ahkaamuhu wa a sentauhanu filqil islamiy, Dr. Abdunnur Farih Ali; and some other references
Footnote:
[1] Al-Bay’u bit taqsith ahkaamuhu wa a sentauhanu filqil islamiy, matter. 111.
[2] Manzhumah Usulul Fiqh wa qawa’iduhu.
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