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Q&A: Islamic Ruling On Hire Purchase - Islam for Muslims - Nairaland

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Q&A: Islamic Ruling On Hire Purchase by Lukgaf(m): 12:06am On Jan 08
"If one buys a motorcycle for N200,000 and gave it out for N300,000, that when the person has paid N300,000 ( within specific time frame), then the machine becomes his. "

All praise belongs to Allah. This, under the law of Allah, is called 'Bai Al-taqsit' . As long as you follow the law of Allah in the way you sell the motorcycle to whom you sell it, it will conform with Allah's law. But if it is that it contradicts Allah's law, (for example), how they run it (hire purchase) in Nigeria is how you also run yours, then it cannot conform with Allah's law.

You bought a motorcycle for N200,000, you now sell it — do not say you lease it (as it is widely practice) — to someone for N300,000 under the agreement that he pays in installment. You should know that from the day you sell it to him, you will file an agreement that you have sold a motorcycle to him and the motorcycle becomes his henceforth. That means he owes you money and not the motorcycle.

If the person you sell the motorcycle to fails to pay, you have no right to seize the motorcycle from him. What you will just insist is that he pays up your money. That is what Allah's law permits. But here in Nigeria, they would have been collecting money from him. They might have collected N280,000 out of N300,000, so it remains just N20,000. They might even strive towards his not being able to afford to balance the payment. All curses they could place on him so that he would not be able to gather the money Is what they would place on him. Afterwards, they would tell him to come that they want to see the motorcycle to inspect how well he has been using it. When he comes, they would seize the motorcycle from him. (If you ask them that) what about the money he has already paid? They would say he should go where ever he deems fit that he did not fulfill the agreement. Do you also fulfill the agreement? Allah says 'O you who believe! Fulfill obligations'

It is not permissible for a Muslim to break promises and swindle. He has bought the motorcycle so it has become his own. If he falls short in paying the money, it is money he owes you not the motorcycle. That is the first issue.

Secondly, if we say he would pay the money in installment and that he would pay it up within three months, (if it happens that) there is now a month within these three months that he failed to pay. Suppose the money he his to balance up is N100,000, you would not say 'for failing to bring money on that very day you are required, then the N100,000 (he is to balance) increases to N120,000'. Once it increases to N120,000, it has turned to interest (base transaction). That is haram under Allah's law. Once you can keep to this rules that guides it, there is nothing bad about it (hire purchase).

You now said that if you should say he only owes you money and not motorcycle, we know ourselves in Nigeria, for many people, it is when they are about to possess someone else's property that they are responsible. Once he is in full possession of it, he would be devising all ways to swindle you. So how do I do it so that my money is not lost?

From what you can do is that Islam accepts that he can use something as collateral. Scholars of sharia'h, from the sittings of scholars in modern day about things that were not in record but happen in modern times and required finding solution to it, in majma al-fiqh al-islami, there is concensus that if you want to sell goods for someone such that he pays in installment, there's nothing wrong that he uses something as collateral.
Since he wants to buy a motorcycle that is worth N300,000, so if he has a land worth N300,000, he should give you its documents. When he pays up the money, he should come back for the documents of the land. That is it on that.

Answered Dr Sharafuddeen Gbadebo Raji
Compiled by Amuletola

29 Likes 5 Shares

Re: Q&A: Islamic Ruling On Hire Purchase by XXXXTENTACION: 12:33am On Jan 08
Today rulings make sense ooo cheesy
Nice one we need more of this.

10 Likes 1 Share

Re: Q&A: Islamic Ruling On Hire Purchase by XXXXTENTACION: 12:35am On Jan 08
Abeg when una go drop rulings on suicide bombers

60 Likes 1 Share

Re: Q&A: Islamic Ruling On Hire Purchase by Rashduct4luv(m): 8:37am On Jan 08
Kindly share the beneficial posts to your friends.

Today is another Jum'a. Endeavor to perform all acts of worship as prescribed in the Sunnah of the Prophet (salallahu alayhi wasalam).

May Allah accept our deeds and grants us the best of Jannah!

9 Likes 1 Share

Re: Q&A: Islamic Ruling On Hire Purchase by AAyinde2020: 12:42pm On Jan 08
Over to Afas in the house cool
Re: Q&A: Islamic Ruling On Hire Purchase by WASMOG(m): 12:52pm On Jan 08
So I bought a new bike for someone at the rate of 260,00 which includes collecting of plate number and other services. We made agreement of 400,000 at 10,000 per week, he started paying Normal everything was going smoothly except for some times where he will beg me that he need to sort some family issues then I will over look that week and he will continue paying the following week.

After paying around 150,000 he started skipping without excuse sometimes upto 3 weeks I began to look for him his number was always switch off.
After some time he surface started begging giving story up and down I forgive him so this act of not keeping his promise continue again after some time he didn't pay for 4 weeks again I began searching for him only for me to see one of his friend using the bike to carry passenger we waited for him at the garage. I asked him who gave you my bike he said Mustapha then I asked him where is Mustapha he said he trave to village that he has relocated I was like how I tried calling him on phone several times but he always ignore my calls. So the new guy beg me to allow him continue from where Mustapha stopped he beg me to reduce the weekly return to 7000 which I agreed he started paying like Normal person after sometime he also skip without excuse the last time I received alert from his was second week of November uptill now we are still looking for him

So guys if you want to do this kind of business trust alone Won't make it go smoothly make sure they bring guarantor that can stand for them or avoid it and invest your money somewhere else SALAM.

29 Likes

Re: Q&A: Islamic Ruling On Hire Purchase by NeoWanZaeed(m): 12:52pm On Jan 08
SARAFA GBADEBO RAAJI is not a muslim. He is a mumayiun. Stay away fr0m him and his lectures if u value ur deen. HE AFFIRM ISLAM FOR AND MIXES, SUPPORT AND DEFEND SECTS AND THEIR LEADERS, HE NULLIFY TAKFIR IN ISLAM, HE NULLIFY QOBLA ZAWAL, HE IS AGAINST WEARING FOOTWEAR TO PERFORM SOLAT, HE HATES MUSLIMS WITH PASSION, ALL JALABI ALFA ARE MUSLIM TO HIM, NO INKAR MUNKAR, HE MIXES WITH ALARO, ASRAU and others, HE WAGES WAR AGAINST EATING WITH 3 FINGERS, DOES PUBLIC NIKKAH AND WALIMAH AQIQOH. HE IS A STAUNCH MADABIYAH{taqleed of scholars} so filthy he is.

1 Like

Re: Q&A: Islamic Ruling On Hire Purchase by azyaq(m): 1:01pm On Jan 08
NeoWanZaeed:
SARAFA GBADEBO RAAJI is not a muslim. He is a mumayiun. Stay away fr0m him and his lectures if u value ur deen
Really ur prove or keep quiet for ever

5 Likes

Re: Q&A: Islamic Ruling On Hire Purchase by azyaq(m): 1:02pm On Jan 08
If u seize the bike n he didn't still full fill d agreement, what must u do then?
Jazakallahu khairan
Re: Q&A: Islamic Ruling On Hire Purchase by dele1727: 1:06pm On Jan 08
May Allah make the religion easier and bless us with iman and knowledge

This ruling is what we need in a sane situation

3 Likes

Re: Q&A: Islamic Ruling On Hire Purchase by NeoWanZaeed(m): 1:07pm On Jan 08
azyaq:
Really ur prove or keep quiet for ever
Post modified
Re: Q&A: Islamic Ruling On Hire Purchase by bizzibodi(m): 1:09pm On Jan 08
Lukgaf:
"If one buys a motorcycle for N200,000 and gave it out for N300,000, that when the person has paid N300,000 ( within specific time frame), then the machine becomes his. "



Answered Dr Sharafuddeen Gbadebo Raji
Compiled by Amuletola
What if he gave U land documents as collateral & fails to pay up d land becomes yours,is it not d same thing?
Re: Q&A: Islamic Ruling On Hire Purchase by NeoWanZaeed(m): 1:16pm On Jan 08
The boi that translated the audio clip. I know him very well. . He is no different from that idiot kafir called Abu Dharr Al Odewiy or whats his name. . Since the day of their kufru site called simplysalafiyah i have kn0wn them. They are carboncopy of that guy called Antichristian. They want to practice islam but they do n0t want to leave sufi and other sects. Mixing everything together is mumayiun. They only dress like us but they are n0t part of us \muslim/. Asalam alaekum warahmatulah wabarakahtuhu
Re: Q&A: Islamic Ruling On Hire Purchase by Felicity0001: 1:16pm On Jan 08
Lukgaf:
"If one buys a motorcycle for N200,000 and gave it out for N300,000, that when the person has paid N300,000 ( within specific time frame), then the machine becomes his. "



Answered Dr Sharafuddeen Gbadebo Raji
Compiled by Amuletola

On the collateral as a base for the Hire Purchase or lets say a down payment which can also be regarded as a security deposit. My question now is, what if the hiree fails to finish payment within the agreed period as signed by both parties? Should the hirer posses the collateral or collects what so ever deposite the hiree deposited?

Again, if probably the machine or cars breaks down to accident or mechanical fault such that hiree can not be able to pay within the period of these breakdown, what did the law or Islam says about this?

Lastly, in a case where there is a lockdown or curfew imposed by the President or governor amounting to hiree not been able to work within the period of these lockdown or curfew, does it mean the hiree has defaulted in his daily, weekly or monthly payment to the hirer? Baring in mind that some agreement will state that if payment is not done for consecutive numbers of days or weeks then hirer has the right to withdraw the property.

Hire Purchase is always drafted in favor of hirers in Nigeria. But from my above questions and it was found out hiree is not guilty, what action is hiree expected to carry out.

I anticipate your response.

Regards.

1 Like

Re: Q&A: Islamic Ruling On Hire Purchase by olarid01: 1:17pm On Jan 08
bizzibodi:

What if he gave U land documents as collateral & fails to pay up d land becomes yours,is it not d same thing?

No, the op didn't complete the post.
The collateral is not yours, but you can tender it to Sharia court, the judge will then order it to be sold (you don't have the right to sell it yourself) and refund your money. If it's more than what he owe you, the balance will be returned to the debtor and if it's not up to it, the debtor will still be held to pay the balance.

2 Likes

Re: Q&A: Islamic Ruling On Hire Purchase by Ibrahimmrfish(m): 1:36pm On Jan 08
XXXXTENTACION:
Abeg when una go drop rulings on suicide bombers
To kill is a serious sin and suicide is also a serious sin so double wahala for dead body.

2 Likes

Re: Q&A: Islamic Ruling On Hire Purchase by perdollar(m): 1:54pm On Jan 08
Pls what's d ruling on fuckiiiig underage aishas

2 Likes

Re: Q&A: Islamic Ruling On Hire Purchase by pmc01(m): 2:09pm On Jan 08
NeoWanZaeed:
SARAFA GBADEBO RAAJI is not a muslim. He is a mumayiun. Stay away fr0m him and his lectures if u value ur deen. HE AFFIRM ISLAM FOR AND MIXES, SUPPORT AND DEFEND SECTS AND THEIR LEADERS, HE NULLIFY TAKFIR IN ISLAM, HE NULLIFY QOBLA ZAWAL, HE IS AGAINST WEARING FOOTWEAR TO PERFORM SOLAT, HE HATES MUSLIMS WITH PASSION, ALL JALABI ALFA ARE MUSLIM TO HIM, NO INKAR MUNKAR, HE MIXES WITH ALARO, ASRAU and others, HE WAGES WAR AGAINST EATING WITH 3 FINGERS, DOES PUBLIC NIKKAH AND WALIMAH AQIQOH. HE IS A STAUNCH MADABIYAH{taqleed of scholars} so filthy he is.


What's this one saying? Who collected your biscuit?

4 Likes

Re: Q&A: Islamic Ruling On Hire Purchase by Barbsamiin: 3:18pm On Jan 08
WASMOG:

again I began searching for him only for me to see one of his friend using the bike to carry passenger we waited for him at the garage. I asked him who gave you my bike he said Mustapha then I asked him where is Mustapha he said he trave to village that he has relocated I was like how I tried calling him on phone several times but he always ignore my calls. So the new guy beg me to allow him continue from where Mustapha stopped he beg me to reduce the weekly return to 7000 which I agreed he started paying like Normal person after sometime he also skip without excuse the last time I received alert from his was second week of November uptill now we are still looking for him

So guys if you want to do this kind of business trust alone Won't make it go smoothly make sure they bring guarantor that can stand for them or avoid it and invest your money somewhere else SALAM.
Does the guy hire or bought the motorcycle from mustapha?
Re: Q&A: Islamic Ruling On Hire Purchase by XXXXTENTACION: 4:03pm On Jan 08
Ibrahimmrfish:

To kill is a serious sin and suicide is also a serious sin so double wahala for dead body.
Well as long as the death and suicide is for allah no problem about that.

1 Like

Re: Q&A: Islamic Ruling On Hire Purchase by Gafdam(m): 4:20pm On Jan 08
perdollar:
Pls what's d ruling on fuckiiiig underage aishas
sense is too far from u, I swear!

1 Like

Re: Q&A: Islamic Ruling On Hire Purchase by MSA0173(m): 4:53pm On Jan 08
Lukgaf:
"If one buys a motorcycle for N200,000 and gave it out for N300,000, that when the person has paid N300,000 ( within specific time frame), then the machine becomes his. "



Answered Dr Sharafuddeen Gbadebo Raji
Compiled by Amuletola
allah akbar jazaqul-qhaira
Lukgaf:
"If one buys a motorcycle for N200,000 and gave it out for N300,000, that when the person has paid N300,000 ( within specific time frame), then the machine becomes his. "



Answered Dr Sharafuddeen Gbadebo Raji
Compiled by Amuletola
allah akbar jazaqul-qhaira
Lukgaf:
"If one buys a motorcycle for N200,000 and gave it out for N300,000, that when the person has paid N300,000 ( within specific time frame), then the machine becomes his. "



Answered Dr Sharafuddeen Gbadebo Raji
Compiled by Amuletola
allah akbar jazaqul-qhaira

1 Like

Re: Q&A: Islamic Ruling On Hire Purchase by Friend22(m): 5:40pm On Jan 08
XXXXTENTACION:
Abeg when una go drop rulings on suicide bombers

I don't know why some of you are just too stupid.
You think Islam is all about going to houses of Allaah to worship and it ends there.

1 Like

Re: Q&A: Islamic Ruling On Hire Purchase by Friend22(m): 5:44pm On Jan 08
NeoWanZaeed:
SARAFA GBADEBO RAAJI is not a muslim. He is a mumayiun. Stay away fr0m him and his lectures if u value ur deen. HE AFFIRM ISLAM FOR AND MIXES, SUPPORT AND DEFEND SECTS AND THEIR LEADERS, HE NULLIFY TAKFIR IN ISLAM, HE NULLIFY QOBLA ZAWAL, HE IS AGAINST WEARING FOOTWEAR TO PERFORM SOLAT, HE HATES MUSLIMS WITH PASSION, ALL JALABI ALFA ARE MUSLIM TO HIM, NO INKAR MUNKAR, HE MIXES WITH ALARO, ASRAU and others, HE WAGES WAR AGAINST EATING WITH 3 FINGERS, DOES PUBLIC NIKKAH AND WALIMAH AQIQOH. HE IS A STAUNCH MADABIYAH{taqleed of scholars} so filthy he is.

Sorry,to say this...I think your ignorance is so super strong that it is casted in concrete.
We won't accept bny dispraise from any unknown busy body until the scholars from the West disavow him till then , your rants are as good as forgotten.

2 Likes

Re: Q&A: Islamic Ruling On Hire Purchase by merits(m): 5:48pm On Jan 08
Lukgaf:
"If one buys a motorcycle for N200,000 and gave it out for N300,000, that when the person has paid N300,000 ( within specific time frame), then the machine becomes his. "



Answered Dr Sharafuddeen Gbadebo Raji
Compiled by Amuletola

Re: Q&A: Islamic Ruling On Hire Purchase by Friend22(m): 5:49pm On Jan 08
bizzibodi:

What if he gave U land documents as collateral & fails to pay up d land becomes yours,is it not d same thing?
That would be injustice.
Even logically,what can be done is for him(the one who us paying in installment) if he truly fears Allaah to look for other means to pay his debt between the allowed time or ,come to an agreement with the debtor to sell his land(collateral) and pay up the remaining part of his debt.
Debt is not a joking matter in Islām.

1 Like

Re: Q&A: Islamic Ruling On Hire Purchase by Friend22(m): 5:50pm On Jan 08
NeoWanZaeed:
The boi that translated the audio clip. I know him very well. . He is no different from that idiot kafir called Abu Dharr Al Odewiy or whats his name. . Since the day of their kufru site called simplysalafiyah i have kn0wn them. They are carboncopy of that guy called Antichristian. They want to practice islam but they do n0t want to leave sufi and other sects. Mixing everything together is mumayiun. They only dress like us but they are n0t part of us \muslim/. Asalam alaekum warahmatulah wabarakahtuhu

Who be this one again?
Lol.
Re: Q&A: Islamic Ruling On Hire Purchase by Friend22(m): 5:52pm On Jan 08
XXXXTENTACION:
Well as long as the death and suicide is for allah no problem about that.

It's either you are stupidly drunk or you were born stupid.
In either case,you do not seem far from any.

1 Like

Re: Q&A: Islamic Ruling On Hire Purchase by NeoWanZaeed(m): 5:53pm On Jan 08
Friend22:


Sorry,to say this...I think your ignorance is so super strong that it is casted in concrete.
We won't accept bny dispraise from any unknown busy body until the scholars from the West disavow him till then , your rants are as good as forgotten.
This ur statement proves u on taqleed. I have known everything i am expected to know about u. :shaking my head:
Re: Q&A: Islamic Ruling On Hire Purchase by Friend22(m): 5:55pm On Jan 08
NeoWanZaeed:
This ur statement proves u on taqleed. I have known everything i am expected to know about u. :shaking my head:
You have known everything you expected to know?

This guy must be high on something.

Just move to the left let's see sensible people talk.
You are just being a nuisance here.
Re: Q&A: Islamic Ruling On Hire Purchase by NeoWanZaeed(m): 6:04pm On Jan 08
Friend22:
You have known everything you expected to know?
This guy must be high on something.
Just move to the left let's see sensible people talk. You are just being a nuisance here.
laughing.
Re: Q&A: Islamic Ruling On Hire Purchase by NeoWanZaeed(m): 6:19pm On Jan 08
Friend22:

Who be this one again? Lol.
I am saeed ibn eesa ibn alee

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