Akhirnya Kapok Pinjam Uang di Bank dan Pinjol

Jangan baca tulisan ini, kalau tidak Anda akan kapok dan tidak mau lagi meminjam uang di bank atau pinjol.

Berutang riba zaman ini kerugiannya tiga:

1. Since borrowing, has been subject to usury
2. If you are late, you will be fined
3. If you want to pay off faster, you will be penalized

Sejatinya utang riba saat ini lebih jahiliyyah dari utang riba di zaman jahiliyyah.

Ibn Kathir wombahullah when explaining the following verse of usury,

يَا أَيُّهَا الَّذِينَ آَمَنُوا لَا تَأْكُلُوا الرِّبَا أَضْعَافًا مُضَاعَفَةً وَاتَّقُوا اللَّهَ لَعَلَّكُمْ تُفْلِحُونَ

"O you who believe, do not eat usury doubled and fear Allah so that you may gain success.." (Surat Ali Imran: 130)

Ibn Kathir wombahullah berkata, “Dalam ayat tersebut Allah melarang orang beriman untuk bermuamalah dengan riba dan memakan riba dengan kelipatan yang banyak. Sebagaimana orang jahiliyah di masa silam, jika telah jatuh tempo, maka nanti akan disebut, “Mau dibayar ataukah mendapatkan riba (dibungakan).” Jika utang dibayar tepat waktu, berarti tidak dibungakan. Namun jika tidak dibayar pas jatuh tempo, maka utang tersebut akan dikembangkan (dibungakan) karena adanya pengunduran waktu pembayaran. Ada pula yang berkata bahwa utang tersebut akan ditambah dari sisi jumlah. Itulah yang terjadi setiap tahun.

Maka dikatakan riba itu berlipat karena awalnya dari sesuatu yang sedikit terus bertambah dan bertambah.

Interpretation of the Qur'an Al-'Azhim, 2:419

Let the creditor (the party who has the bill on the other party) provide convenience to people who are difficult to pay off debts. The facilities provided may be given a delay until they have assets. Another convenience could be giving alms by paying off debt or aborting part of it. God ta'ala said,

وَإِنْ كَانَ ذُو عُسْرَةٍ فَنَظِرَةٌ إِلَى مَيْسَرَةٍ وَأَنْ تَصَدَّقُوا خَيْرٌ لَكُمْ إِنْ كُنْتُمْ تَعْلَمُونَ

"And if (the debtor) is in trouble, then give him respite until he is abundant. And giving charity (some or all of the debt) is better for you, if you knew." (Surat al-Baqarah: 280).

From one of the companions of the Prophet sallallaahu 'alaihi wa sallam–Abul Yasar-, he sallallaahu 'alaihi wa sallam said,

مَنْ أَحَبَّ أَنْ يُظِلَّهُ اللَّهُ عَزَّ وَجَلَّ فِى ظِلِّهِ فَلْيُنْظِرِ الْمُعْسِرَ أَوْ لِيَضَعْ عَنْهُ

"Whoever wants to get the shade of Allah 'azza wa jalla, let him give a grace period for the person who is having difficulty paying off the debt or even freeing the debt earlier.." (HR. Ahmad, 3: 427. Shaykh Shu'aib Al-Arnauth said that this hadith authentic)

Ibn Kathir said, be patient with difficult people who find it difficult to pay off debts. (Interpretation of the Qur'an Al-'Azhim, 2: 287).

On the same page, Ibn Kathir also states that don't be like the Jahiliyah people, where when it is due it is stated to the debtor, "Pay it off. Otherwise, your debt will be expanded.”

If you are told to be patient, then you can't use usury. Riba in the past as exemplified by Ibn Kathir, when unable to pay off at maturity then there is usury.

In today's usury, since the beginning of the loan, interest has been charged (usury) and if it is late there is a fine.

How about you, are you still interested in borrowing money from usurious banks or moneylenders?

May Allah give taufik and guidance.

Source: Rumasyho