Usury Will Indeed Come to Us
عَنْ أَبِي هُرَيْرَةَ قَالَ قَالَ رَسُولُ اللَّهِ صَلَّى
اللَّهُ عَلَيْهِ وَسَلَّمَ قَالَ يَأْتِي عَلَى النَّاسِ زَمَانٌ
يَأْكُلُونَ الرِّبَا فَمَنْ لَمْ يَأْكُلْهُ أَصَابَهُ مِنْ غُبَارِهِ
From Abu Huraira, (he said that) Allah’s Apostle Shallallaahu ‘alayh wa Sallam declared, “There
will come a time upon human being, when, at that time, all of them
consume usury. One who do not consume it directly, will get it’s dust.” (Recorded by Nasa’i, no.4455, but the status is weak according to Al Albani)Although the chain of narrators of the previous hadeeth is weak, but it bears a true meaning.
And the time mentioned, is indeed coming. It is seen nowadays that usury in any forms has been people’s consumption, even becoming a tradition among several class of society. While the warning came from His Messenger Shallallaahu’alayh wa Sallam about it was horrible, for those who still have faith on Allah and The Day of Resurrection.
عَنْ عَوْفِ بْنِ مَالِكٍ، قَالَ: قَالَ رَسُولُ اللَّهِ
صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ: إِيَّاكَ وَالذُّنُوبَ الَّتِي لا
تُغْفَرُ: الْغُلُولُ، فَمَنْ غَلَّ شَيْئًا أَتَى بِهِ يَوْمَ
الْقِيَامَةِ، وَآكِلُ الرِّبَا فَمَنْ أَكَلَ الرِّبَا بُعِثَ يَوْمَ
الْقِيَامَةِ مَجْنُونًا يَتَخَبَّطُ
In the authority of Auf Ibn Malik, Allah’s Messenger Shallallaahu’alayh wa Sallam said, ”
Beware of unforgivable sins. Ghulul (corruption). Whoever take a
property through illegal way, then it will be brought to him on The Day
of Resurrection. The same for Usurer. Whoever consume wealth from usury,
then he will be reanimated on The Day of Resurrection, mad, and ill
walk.” (Recorded by Thabrani in Mu’jam al Kabir, no. 110; Al Albani
stated that the status was good by supporters from other way, in his
book Shahih at Targhib wa at Tarhib, no. 1862)Based on that saying, we could confer that the usurer had prevented himself from the forgiven and mercy of Allah Subhanahu wa Ta’ala.
The meaning of previous saying above is not showing that even though a person had repented from his sin, he wont be forgiven by Allah The Exalted. But the true meaning is to show about how large and horrible the sin of a usurer.
All muslim have agreed, based on various indications from Al Qur’an and The Prophet’s guidance, that the one who repented from his misdeeds, Allah will accept his repentance, whether the sin is a small, or a big one.
عَنِ ابْنِ عَبَّاسٍ عَنْ رَسُولِ اللَّهِ صَلَّى اللهُ
عَلَيْهِ وَ سَلَّمَ قَالَ: وَالَّذِى نَفْسُ مُحَمَّدٍ بِيَدِهِ
لَيَبِيْتَنَّ نَاسٌ مِنْ أُمَّتِي عَلَى أَشَرٍ وَبَطَرٍ وَلَعِبٍ
وَلَهْوٍ فَيُصْبِحُوا قِرَدَةً وَخَنَازِيْرَ بِاسْتِحْلاَلِهِمُ
الْمَحَارِمَ وَاتِّخَاذِهِمُ الْقَيْنَاتِ وَشُرْبِهِمُ الْخَمْرَ
وَأَكْلِهِمُ الرِّبَا وَلُبْسِهِمُ الْحَرِيرَ
From Ibn Abbas, Allah’a Apostle Shallallaahu ‘alayh wa Sallam said, “By
Allah, who holds the soul of Muhammad in His Hand, indeed, there are
groups of my follower who spent their nights through parties filled with
arrogance, games that made them unaware of their lives, and then they
reached morning while they already transformed to monkeys and pigs. That
was because they legalized forbidden things, enjoyed the singers, drank
alcohols, ate usury, and wore silks.” (Recorded by Abdullah Ibn
Imam Ahmad, in Zawa’id Al Musnad [Musnad of Imam Ahmad, no. 23483]. The
status is good by it’s supporters sayings, in Shahih at Targhib wa At
tarhib, no. 1864)
أَلاَ كُلُّ شَىْءٍ مِنْ أَمْرِ الْجَاهِلِيَّةِ تَحْتَ
قَدَمَىَّ مَوْضُوعٌ وَدِمَاءُ الْجَاهِلِيَّةِ مَوْضُوعَةٌ وَإِنَّ
أَوَّلَ دَمٍ أَضَعُ مِنْ دِمَائِنَا دَمُ بْنِ رَبِيعَةَ بْنِ الْحَارِثِ
كَانَ مُسْتَرْضِعًا فِي بَنيى سَعْدٍ فَقَتَلَتْهُ هُذَيْلٌ وَرِبَا
الْجَاهِلِيَّةِ مَوْضُوعٌ وَأَوَّلُ رِبًا أَضَعُ رِبَانَا رِبَا عَبَّاسِ
بْنِ عَبْدِ الْمُطَّلِبِ فَإِنَّهُ مَوْضُوعٌ كُلُّهُ
“Remember, every stuffs of paganism was put under my soles. I
have abolished Every case of murders at the period of paganism. The
first murder case for me to abolish was the murder of Ibn Rabi’a Ibn Al
Harits. Back then, he was milked by woman from The Tribe of Sa’ad, the
he was murdered by Hudzail. Usury of paganism also had been erased. The
first usury for me to erase was the usury done by Abbas Ibn Abdil
Muthallib. Indeed, everything had been erased.” ( Recorded by Muslim, no, 3009; from Jabir Ibn Abdillah)In this saying, The Prophet Shallallaahu ‘alayh wa Sallam stated that the usury was put under his soles -Shallallaahu ‘alayh wa Sallam, to show how low and detested the usurer is. The Prophet Shallallaahu ‘alayh wa Sallam also considered usury as matter of paganism.
عَنْ سَمُرَةَ بْنِ جُنْدُبٍ رَضِيَ اللهُ عَنْهُ قَالَ
قَالَ النَّبِىُّ صَلَّى اللهُ عَلَيْهِ وَ سَلَّمَ: رَأَيْتُ اللَّيْلَةَ
رَجُلَيْنِ أَتَيَانِي ، فَأَخْرَجَانِي إِلَى أَرْضٍ مُقَدَّسَةٍ ،
فَانْطَلَقْنَا حَتَّى أَتَيْنَا عَلَى نَهَرٍ مِنْ دَمٍ فِيهِ رَجُلٌ
قَائِمٌ ، وَعَلَى وَسَطِ النَّهْرِ رَجُلٌ بَيْنَ يَدَيْهِ حِجَارَةٌ ،
فَأَقْبَلَ الرَّجُلُ الَّذِى فِي النَّهَرِ فَإِذَا أَرَادَ الرَّجُلُ
أَنْ يَخْرُجَ رَمَى الرَّجُلُ بِحَجَرٍ فِى فِيهِ فَرَدَّهُ حَيْثُ كَانَ ،
فَجَعَلَ كُلَّمَا جَاءَ لِيَخْرُجَ رَمَى فِي فِيهِ بِحَجَرٍ ،
فَيَرْجِعُ كَمَا كَانَ ، فَقُلْتُ مَا هَذَا فَقَالَ الَّذِي رَأَيْتَهُ
فِى النَّهَرِ آكِلُ الرِّبَا
From Samura Ibn Jundab. The Prophet Shallallaahu ‘alayh wa Sallam
stated, “Last night, I dreamed that there were 2 man came to me, and
took me to a holy land. We headed on, until we reached a river of blood.
At the side of it, stood a man. If front of him were stones. In the
middle of that river, there were a man swimming. The one who was at the
river side watched the swimming one. Every time he wanted to swim out of
the river, the other man throw the stone at his mouth. Eventually, he
got back to his previous position. Every time the swimmer wanted to go
out of the river, the other man threw stone to his mouth, until he came
back to his position in the middle of the river. I asked, ‘Who is that
man?’. One of the angel replied, ‘The one you saw in the middle of the
river is the consumer of usury.'” (Narrated by Bukharee, no. 1979)In that saying, it is clear that the punishments of the consumer of usury is very hard, while he thought he was showered with joys and luxuries.
In the end, all muslim together with the scholars, either the previous or the next ones, had agreed that usury is forbidden. They also stated that bank’s interest and the like are illegals.
They also agreed that whoever legalize usury, he is an infidel. And whoever committing transaction of usury, but he still believe that it is forbidden, then he had done a big sin, categorized as a fasiq, and dared to fight Allah and His messenger.
The scholars had agreed upon the forbidden status of an interest that was set before transaction, for example 3%, 5%, and so on. The scholars had rebutted the argumentations of those who legalized interests and ruined their arguments down. There are no difference between the interest of loans, big or small. All of those are the forbidden usury.
Author: Abu ‘Ukkasha Aris Munandar, S.S.
Tag :
buy and sell,
usury
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