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.

NeoWanZaeed:
SARAFA GBADEBO RAAJI is not a muslim. He is a mumayiun. Stay away fr0m him and his lectures if u value ur deen

azyaq:
Really ur prove or keep quiet for ever

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

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

bizzibodi:

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

XXXXTENTACION:
Abeg when una go drop rulings on suicide bombers

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.

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.

Ibrahimmrfish:

To kill is a serious sin and suicide is also a serious sin so double wahala for dead body.

perdollar:
Pls what's d ruling on fuckiiiig underage aishas

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

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

XXXXTENTACION:
Abeg when una go drop rulings on suicide bombers

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.

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

bizzibodi:

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

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

XXXXTENTACION:
Well as long as the death and suicide is for allah no problem about that.

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.

NeoWanZaeed:
This ur statement proves u on taqleed. I have known everything i am expected to know about u. :shaking my head:

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.

Friend22:

Who be this one again? Lol.