Jan 29, 2009

Personal Loan di Bank


Jazakallah di atas jawapan Ustaz mengenai jual beli dan riba tempoh hari. Namun begitu, saya masih tertanya-tanya bagaimanakah Bank yg menjalankan muamalat berlandaskan syariah (walaupun Bank Negara masih mengamalkan riba') seperti Bank Rakyat contohnya; pihak Bank menawarkan Personal Loan dan kemudian ditanggung oleh penghutang dengan harga yg lebih tinggi drpd nilai sebenar hutangnya. Saya agak pelik dalam hal ini kerana pihak Bank Rakyat mempunyai lembaga syariah yang memutuskan halal-haram dalam sesuatu urusniaga.

Saya jelas dlm issue seperti menjual kereta, rumah dsb. pembeli tidak cukup duit, maka pihak bank akan membeli menggunakan wang mereka dan kemudiannya dijual kepada pembeli dengan harga yg lebih tinggi. Pembeli kemudiannya akan membayar secara ansuran.

Namun begitu dalam kes personal loan, tiada barangan yang dijual-beli. Jadi bgmn kah lembaga syariah Bank Rakyat menghalalkan transaksi tersebut?

terima kasih.


Bai' alInah ialah suatu pendapat fiqh yg lemah (dha'ef), maka Bank Islam (pada kertas kerja asal) tidak melaksanakan Bai' alInah (Personal Loan) kerana ia riba mengikut ketetapan Jumhur. (Nor Muhammad Yakcob, Perbankan Islam di Malaysia, Utusan Publications)

Akhirnya Bai' al_inah ini mula ditawarkan oleh setengah perbankan syari'ah yg lain spt Mayban Finance.

Isu2 begini sudah tentu memerlukan Fatwa dari Majlis Fatwa Kebangsaan atau Qarar Mutjahid. Ahkam tidak ada autoriti untuk menentukan kenapa perbankan syari'ah meneruskan skim yg syaz (diragui) ini.

Pinjaman peribadi dalam Islam dinamakan Qardhul Hasan. Wallahu a'alam


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