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Must Know! This is the Complete Definition of Riba According to Experts


Kaffahna.com - As a Muslim, you must be familiar if you hear the word usury right? The word usury is often used by someone to refer to renterir transactions or money-borrowing transactions between two people with the obligation of the borrower to return more money than he borrowed. The practice of Riba is forbidden in Islam and is included in one of the major sins. For more details, what do you mean by usury according to experts?

Root of Riba

Before discussing the notion of usury, you need to know the origin of the word usury or the root of the word usury. Why is that? Because a word derived in Arabic usually has a connection with the basic language which is the root of the word. By understanding root words and their derivative forms, it will be easy for all of us to understand their meaning.

So what is the root word for Riba?

The word Riba comes from the word robaa which means something that increases or grows to be more abundant than it originally was. This word is an active verb that requires a minimum of two interacting actors.

The definition of Riba 

In general, the notion of the word usury according to etymology is a practice of buying and selling transactions or lending in which there is an element of adding additional payment obligations from basic assets or capital deposited in vanity. In this case, even though in the implementation of the two people who deal with each other, the law of usury is still unlawful.

In particular, Rasullullah Shallaalalhu Alaihi Wassalam has stated that if Muslims must stay away from seven things which are the subject of the destruction of the ummah. One of the seven things is usury.

The scholars of jurisprudence mean that what is meant by usury is all forms of transactions which contain additional elements or add to the amount that should be paid. This makes the term usury intersect directly with the term investment.

Majma Fiqh Al-Islami has stated that an investment that requires employers to always provide benefits to investors is haram because it is included in the form of usury. Because in sharia investment, the potential profit between the two parties is equal to the potential loss on both parties.

Scope of Riba

The scholars divide the scope of muamalah into three, namely usury in terms of borrowing goods or money, usury in accounts receivable and usury in the matter of going through.

1. Riba in the matter of borrowing goods or money

In this scope, all transactions that occur in it if they contain additional elements can be categorized as usury. For example, the person A borrowed Rp. 10,000 of the B. Then the B requires that the loan must be returned within a certain time to Rp. 11,000. This is included in the category of usury.

2. Riba in the case of Debt Transactions

In this scope, conditions are the same as in the case of loans. It's just that in the initial contract there is no contract for the addition of receivables. However, when the payment period is due, and the borrower cannot pay, a fine is applied to take something from the borrower or a fine to add the debt value. This is what falls into the category of usury.

3. Riba in the case of Pawnshop

In this scope, the scholars still disagree. But generally it occurs when goods that have been pawned will be redeemed, but the ransom value will be higher than the value that has been pawned before. This is what falls into the category of usury.

Types of Riba

Regarding the scope of usury and the cases that accompany it, the scholars then divided the types of usury into more specific forms, namely.

1. Riba Jahiliyah

Riba Jahilihah is a type of usury that is carried out by taking a fine from the principal debt as a result of which the borrower cannot pay the debt that has been due from the promised time.

2. Riba Qardh

Riba Qardh is an exchange of ribawi goods (gold, silver) which has been determined since the beginning of the contract the rate of repayment required by the borrower.

3. Riba Fadhl

Riba Fadl is the exchange of similar goods (gold, silver), but exchanged in different levels or doses.

4. Riba Nasi'ah

Riba Nasi'ah is an exchange between ribawi goods (gold, silver) both similar or not, which is done by the addition of the goods delivered at this time with the goods delivered later.

Understanding Riba According to Experts

Departing from the definition, the experts then tried to formulate an understanding of usury in accordance with the point of view, feasibility, and the connection of the word usury with other definitions and the essence of the root of Arabic which has a broader meaning. Some understanding of muamalah according to experts who are quite famous at

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