Category: Business Matters
Fatwa#: 39120
Asked Country: Kuwait

Answered Date: Oct 09,2017

Title: Paying back a loan with an extra percentage

Question

Assalamu Alaikkum (warah)

Respected Mufti Saheb , I humbly request you to clarify the deal took place about two years before between my sister and myself. Similar kind of deal is ongoing within relatives and our community families. Please we need your clarification.

Question with brief background follows; Alhamthulillah I’m working in Kuwait and supporting my parents in india as I’m the only son. In the recent past years, my parents wished to buy a land for me. There were some shortage of money, then they took around 97 gms of gold jewelry from my sister, sold it and covered the shortage. They have made the deal and told me that I’ll have to buy from Kuwait those 97 grams gold jewelry (brand new) whenever I’m able. It took approximately six month for me to buy and handover to my sister all 100 grams gold. As it was not possible for me buy exactly same weight 97 gms(30gm bangles, 40 gms chain, 30 gms chain) so I bought 100 gms of gold. Note: My sister’s most of the jewelry were bought from india and used for 8 years. Generally the 22 carat gold bought from india not equal in standard with the same bought from Kuwait. If we go to sell gold jewelry in india they give good price for gold which are bought from Kuwait whereas gold which are bought from india they give lesser price. I was going through your website for the definition of riba , I got the understanding that the above transaction is incorrect and constitutes riba.

1. Was the above transaction correct? If the transaction was not correct how should I rectify myself from my part and to do tawbah and please advise us if any alternate option. Jazakallahu khaira respected Mufti saheb.

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, when gold is sold in exchange for gold, it is necessary to trade them both in equal amounts (tasāwī) and possession must be taken from both sides within the same gathering.

However, your query refers to taking a loan and not a sale transaction. Thus, your transaction is valid and will not constitute Ribaa (interest).

The extra three grams will be regarded as hibaa (gift) from your side as there was no condition made at the time of taking the loan. [i]

The difference in the price of gold between Kuwait and India has no bearing.

 

And Allah Ta’āla Knows Best

 

Muhammad IV Patel

Student Darul Iftaa
Lusaka, Zambia 

Checked and Approved by,
Mufti Ebrahim Desai.



 

[i]  المحيط البرهاني في الفقه النعماني (7/ 126)

قال محمد رحمه الله في كتاب الصرف: إن أبا حنيفة كان يكره كل قرض جر منفعة قال الكرخي: هذا إذا كانت المنفعة مشروطة في العقد بأن أقرض عادلية صحاحاً أو ما أشبه ذلك، فإن لم تكن المنفعة مشروطة في العقد، فأعطاه المستقرض أجود مما عليه فلا بأس به

 

الدر المختار وحاشية ابن عابدين (رد المحتار) (5/ 165)

(و) فيها (القرض لا يتعلق بالجائز من الشروط فالفاسد منها لا يبطله ولكنه يلغو شرط رد شيء آخر فلو استقرض الدراهم المكسورة على أن يؤدي صحيحا كان باطلا) وكذا لو أقرضه طعاما بشرط رده في مكان آخر (وكان عليه مثل ما قبض) فإن قضاه أجود بلا شرط جاز ويجبر الدائن على قبول الأجود وقيل لا بحر

 

رد المحتار (21/ 256)

فَلَوْ قَضَاهُ مِثْلَ قَرْضِهِ ثُمَّ زَادَهُ دِرْهَمًا مَفْرُوزًا أَوْ أَكْثَرَ جَازَ إنْ لَمْ يَكُنْ مَشْرُوطًا وَقَدَّمْنَا هُنَاكَ عَنْ خُوَاهَرْ زَادَهْ أَنَّ الْمَنْفَعَةَ فِي الْقَرْضِ إذَا كَانَتْ غَيْرَ مَشْرُوطَةٍ تَجُوزُ بِلَا خِلَاف

 

تبيين الحقائق شرح كنز الدقائق وحاشية الشلبي (6/ 29)

وَكُلُّ قَرْضٍ جَرَّ مَنْفَعَةً لَا يَجُوزُ مِثْلَ أَنْ يُقْرِضَ دَرَاهِمَ غَلَّةٍ عَلَى أَنْ يُعْطِيَهُ صِحَاحًا أَوْ يُقْرِضَ قَرْضًا عَلَى أَنْ يَبِيعَ بِهِ بَيْعًا؛ لِأَنَّهُ رُوِيَ أَنَّ كُلَّ قَرْضٍ جَرَّ مَنْفَعَةً فَهُوَ رِبًا، وَتَأْوِيلُ هَذَا عِنْدَنَا أَنْ تَكُونَ الْمَنْفَعَةُ مُوجِبَةً بِعَقْدِ الْقَرْضِ مَشْرُوطَةً فِيهِ، وَإِنْ كَانَتْ غَيْرَ مَشْرُوطَةٍ فِيهِ فَاسْتَقْرَضَ غَلَّةً فَقَضَاهُ صِحَاحًا مِنْ غَيْرِ أَنْ يَشْتَرِطَ عَلَيْهِ جَازَ،

 

البحر الرائق شرح كنز الدقائق ومنحة الخالق وتكملة الطوري (6/ 133)

وَلَا يَجُوزُ قَرْضٌ جَرَّ نَفْعًا بِأَنْ أَقْرَضَهُ دَرَاهِمَ مُكَسَّرَةً بِشَرْطِ رَدِّ صَحِيحَةٍ أَوْ أَقْرَضَهُ طَعَامًا فِي مَكَان بِشَرْطِ رَدِّهِ فِي مَكَان آخَرَ فَإِنْ قَضَاهُ أَجْوَدَ بِلَا شَرْطٍ جَازَ،

 

صحيح البخاري (3/ 117)

حَدَّثَنَا خَلَّادُ بْنُ يَحْيَى، حَدَّثَنَا مِسْعَرٌ، حَدَّثَنَا مُحَارِبُ بْنُ دِثَارٍ، عَنْ جَابِرِ بْنِ عَبْدِ اللَّهِ رَضِيَ اللَّهُ عَنْهُمَا، قَالَ: أَتَيْتُ النَّبِيَّ صَلَّى اللهُ عَلَيْهِ وَسَلَّمَ وَهُوَ فِي المَسْجِدِ - قَالَ مِسْعَرٌ: أُرَاهُ قَالَ: ضُحًى - فَقَالَ: «صَلِّ رَكْعَتَيْنِ»، وَكَانَ لِي عَلَيْهِ دَيْنٌ، فَقَضَانِي وَزَادَنِي

صحيح مسلم (1/ 495)

(715) حدثنا أحمد بن جواس الحنفي أبو عاصم، حدثنا عبيد الله الأشجعي، عن سفيان، عن محارب بن دثار، عن جابر بن عبد الله، قال: كان لي على النبي صلى الله عليه وسلم دين، فقضاني وزادني، ودخلت عليه المسجد، فقال لي: «صل ركعتين»

 

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