{"id":5024,"date":"2014-12-10T09:40:10","date_gmt":"2014-12-10T01:40:10","guid":{"rendered":"http:\/\/terkini.hargaemas.com.my\/?p=5024"},"modified":"2014-12-09T20:30:06","modified_gmt":"2014-12-09T12:30:06","slug":"pinjamkan-pamp-emas-dijanjikan-hibah-tetapi-tidak-disebut-di-dalam-aqad","status":"publish","type":"post","link":"https:\/\/hargaemas.com.my\/terkini\/pinjamkan-pamp-emas-dijanjikan-hibah-tetapi-tidak-disebut-di-dalam-aqad\/","title":{"rendered":"Pinjamkan Pamp Emas, Dijanjikan Hibah, Tetapi Tidak Disebut di Dalam Aqad"},"content":{"rendered":"

\"how-gold-bars-are-manufactured-8\"<\/a><\/p>\n

Soalan<\/strong><\/p>\n

Ada seorang ustaz keluar fatwa, boleh buat aqad hutang pamp yang bernilai 100 gram, selepas 30 hari pulangkan pamp, RM4500 dan RM1500 diberikan sebagai hibah, offer boleh cuma jangan masuk dalam aqad bertulis. Ramai pelabur Muslim yang melabur dalam skim tersebut kerana fatwa yang diberikan. Mohon penjelasan?<\/p>\n

\"\"<\/a><\/p>\n

Jawapan<\/strong><\/p>\n

Saya tidak bersetuju dengan pandangan yang diberikan oleh ustaz tersebut. Fatwa sedemikian adalah menghalalkan riba. Ia membuka ruang yang luas kepada riba, dosa besar yang disebut di dalam Al-Quran sebagai memerangi Allah dan Rasulnya. Kenapa ada orang yang berani sangat keluar fatwa? Padangan yang mengelirukan orang ramai tentang riba. Ia bukan fatwa, kerana bukan semua orang boleh keluar fatwa. Pandangan mengharuskan memberi faedah kepada pinjaman seperti di atas kerana tidak disebut di dalam aqad bertulis hanya keluar dari orang yang tidak tahu fiqh muamalat, tetapi shok sendiri. Pandangan yang sangat merbahaya, kerana memberi peluang kepada penganjur skim skim pelaburan emas dan pemabuk pemabuk pelaburan emas untuk terus melakukan riba dan mempengaruhi orang ramai melakukan riba.<\/p>\n

Membayar pinjaman atau hutang dengan bayaran yang lebih, sekiraya tidak disyaratkan dan tidak diperstujui daripada awal, adalah dibenarkan. Ini adalah berdasarkan hadis:<\/p>\n

\u0642\u0627\u0644 \u0631\u0633\u0648\u0644 \u0627\u0644\u0644\u0647 \u0635\u0644\u0649 \u0627\u0644\u0644\u0647 \u0639\u0644\u064a\u0647 \u0648\u0633\u0644\u0645: \u062e\u064a\u0627\u0631\u0643\u0645 \u0623\u062d\u0633\u0646\u0643\u0645 \u0642\u0636\u0627\u0621. \u0631\u0648\u0627\u0647 \u0627\u0644\u0628\u062e\u0627\u0631\u064a \u0648\u0645\u0633\u0644\u0645<\/p>\n

\u0631\u0648\u0627\u0647 \u0627\u0628\u0646 \u0645\u0627\u062c\u0629 \u0640\u0640 \u0643\u062a\u0627\u0628 \u0627\u0644\u062a\u062c\u0627\u0631\u0627\u062a \u0631\u0642\u0645 2276 \u0648\u0631\u0648\u0627\u0647 \u0623\u064a\u0636\u0627 \u0639\u0646 \u0639\u0631\u0628\u0627\u0636 \u0628\u0646 \u0633\u0627\u0631\u064a\u0629 \u0628\u0644\u0641\u0638 ( \u062e\u064a\u0631 \u0627\u0644\u0646\u0627\u0633 \u062e\u064a\u0631\u0647\u0645 \u0642\u0636\u0627\u0621 ) \u0648\u0627\u0644\u062d\u062f\u064a\u062b \u0635\u062d\u062d\u0647 \u0627\u0644\u0623\u0644\u0628\u0627\u0646\u064a \u0641\u064a \u0635\u062d\u064a\u062d \u0627\u0644\u062c\u0627\u0645\u0639 \u062d\u062f\u064a\u062b \u0631\u0642\u0645: 3290 (2) \u0641\u064a\u0636 \u0627\u0644\u0642\u062f\u064a\u0631 \/ \u0627\u0644\u0645\u0646\u0627\u0648\u064a 2\/451<\/p>\n

Maksud: \u201cSebaik baik kamu adalah orang yang paling baik dalam membayar hutang. Aku adalah yang terbaik daripada kamu semua dalam membayar hutang\u201d<\/p>\n

Di dalam hadith yang lain atau riwayat yang lain Rasulullah pernah berhutang seekor anak unta. Baginda membayar balik dengan anak unta yang lebih besar.<\/p>\n

\u0648\u0641\u064a \u0635\u062d\u064a\u062d \u0645\u0633\u0644\u0645: \u0623\u0646 \u0627\u0644\u0646\u0628\u064a \u0635\u0644\u0649 \u0627\u0644\u0644\u0647 \u0639\u0644\u064a\u0647 \u0648\u0633\u0644\u0645 \u0627\u0633\u062a\u0644\u0641 \u0645\u0646 \u0631\u062c\u0644 \u0628\u0643\u0631 \u0641\u062c\u0627\u0621\u062a\u0647 \u0625\u0628\u0644 \u0645\u0646 \u0625\u0628\u0644 \u0627\u0644\u0635\u062f\u0642\u0629 \u0641\u0623\u0645\u0631 \u0623\u0628\u0627 \u0631\u0627\u0641\u0639 \u0623\u0646 \u064a\u0642\u0636\u064a \u0627\u0644\u0631\u062c\u0644 \u0628\u0643\u0631\u0647 \u0641\u0631\u062c\u0639 \u0625\u0644\u064a\u0647 \u0623\u0628\u0648 \u0631\u0627\u0641\u0639\u060c \u0641\u0642\u0627\u0644: \u0644\u0645 \u0623\u062c\u062f \u0641\u064a\u0647\u0627 \u0625\u0644\u0627 \u062c\u0645\u0644\u0627 \u062e\u064a\u0627\u0631\u0627 \u0631\u0628\u0627\u0639\u064a\u0627\u060c \u0641\u0642\u0627\u0644 \u0623\u0639\u0637\u0647 \u0625\u064a\u0627\u0647\u060c \u0625\u0646 \u062e\u064a\u0627\u0631 \u0627\u0644\u0646\u0627\u0633 \u0623\u062d\u0633\u0646\u0647\u0645 \u0642\u0636\u0627\u0621.<\/p>\n

Berdasarkan hadis hadis di atas para ulama merumuskan bahawa peminjam yang membayar hutang boleh membayar lebih atau memberi hibah kepada pemberi hutang ketika pembayaran dibuat dengan syarat ia tidak disyaratkan atau tidak dipersetujui daripada awal, atau diminta sedemikian oleh pemiutang samada daripada awal atau ketika bayaran dibuat.<\/p>\n

\"\"<\/a><\/p>\n

Dalam contoh skim pelaburan emas di atas, persetujuan sudah berlaku walaupun tidak dimasukkan di dalam aqad. Perlu difahami bahawa aqad bertulis adalah formaliti, bukannya penentu kesahihan aqad. Tidak semestinya tidak berlaku aqad sekiranya tidak ditulis. Aqad boleh berlaku melalui offer (ijab) dan acceptance (qabul) secara lisan. Aqad bererti mengikat pihak berkontrak dengan komitmen yang disyaratkan\/ditawarkan. Perjanjian dan tawaran memberi hibah adalah sebahagian daripada aqad program skim pelaburan emas di atas yang berteraskan pinjaman riba\/berfaedah.<\/p>\n

Para ulama juga menegaskan bahawa sesuatu yang menjadi adat\/uruf, walau tidak disayaratkan adalah seperti disyaratkan. Ini adalah berdasarkan kaedah fiqh.<\/p>\n

\u0627\u0644\u0645\u0639\u0631\u0648\u0641 \u0639\u0631\u0641\u0627 \u0643\u0627\u0644\u0645\u0634\u0631\u0648\u0637 \u0634\u0631\u0637\u0627<\/p>\n

Maksud: \u201cPerkara yang sudah menjadi adat kebiasaan (sesuatu transaksi) adalah seperti disyaratkan\u201d<\/p>\n

Ini bermakna, sekalipun tidak disyaratkan dengan jelas, di dalam perjanjian atau aqad, apabila ia sudah menjadi uruf untuk membayarar hutang dengan jumlah yang lebih, maka ia adalah sama dengan mensyaratkannya. Dengan itu, dalam kontek struktur skim di atas, ia adalah riba. Faktor kenapa pemilik emas memberi pinjam emasnya adalah kerana \u201chibah\u201d yang ditawarkan\/di offer\/dijanjikan, atau sudah menjadi uruf program tertentu memberik hibah sedemikian bagi sesiapa yang meminjamkan emas kepada mereka walaupun tidak disebut di dalam aqad bertulis.<\/p>\n

Wallahu\u2019alam<\/p>\n

sumber – drazman.net (Dr.Azman Mohd Noor)<\/p>\n

\"\"<\/a><\/p>\n

\"\"<\/a><\/p>\n

\"\"<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Soalan Ada seorang ustaz keluar fatwa, boleh buat aqad hutang pamp yang bernilai 100 gram, selepas 30 hari pulangkan pamp, RM4500 dan RM1500 diberikan sebagai hibah, offer boleh cuma jangan masuk dalam aqad bertulis. Ramai pelabur Muslim yang melabur dalam skim tersebut kerana fatwa yang diberikan. Mohon penjelasan? Jawapan Saya tidak bersetuju dengan pandangan yang […]<\/p>\n","protected":false},"author":4,"featured_media":5025,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51,165,342,109,108,64],"tags":[],"class_list":["post-5024","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-agama","category-analisis","category-diari","category-pelaburan","category-perniagaan","category-tips"],"yoast_head":"\nPinjamkan Pamp Emas, Dijanjikan Hibah, Tetapi Tidak Disebut di Dalam Aqad - Hargaemas MY<\/title>\n<meta name=\"description\" content=\"Soalan Ada seorang ustaz keluar fatwa, boleh buat aqad hutang pamp yang bernilai 100 gram, selepas 30 hari pulangkan pamp, RM4500 dan RM1500 diberikan\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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