Credit card is allowed in islam

Credit Card Laws in Islam, hallal or haram?

Credit card (Arabic; bithaqah i'timan) in Islamic finance, called the Islamic card, or shariah card. Leading to less cash society. Which is one of the tools in the payment system, as a means to facilitate the transaction process, because it is not dependent on cash payments, or by payment in cash, because the risk of carrying cash.

In some of the literature of contemporary jurisprudence, legal status as an object, or media kafalah services (warranty). Accompanied bailout payment (qardh), and services ijarah, for ease of transaction.

Banking companies, in this case the credit card issuer (proof of kafalah) as guarantor (kafil), for credit card users in a variety of transactions. Therefore, the law applies here kafalah, qardh and ijara.

The scholars permit systems and practices in muamalah kafalah, based on the arguments of the Qur'an, Sunnah and Ijma '.
Allah says: "and who can return it will receive heavy loads of foodstuffs camels, and I will be bound." (Surah Yusuf: 72).
Ibn Abbas said that what is meant by the word "Za'im" in this verse is "kafil".


Prophet's saying: "az-Za'im gharim" means the man who ensures meaningful owed ​​(for bail). (Narrated by Abu Dawood, Turmudzi, Ibn Hibban).
Scholars agree (ijma ') on bolehnya kafalah practices as required in muamalah prevalent.

Kafalah basically a contract tabarru '(voluntary), the value of worship for the guarantor, as including cooperation in virtue (ta'awun' alal Birri), and the guarantor of the right to request return back to payable. He did not ask for very worthy reward for his services, so as to secure / away from doubtful. But if payable himself gave as gifts, or grants to express his gratitude, then fine.

However, if the guarantor itself which requires compensation for services (like credit card administration fee money, etc.), and would not warrant a voluntary basis, then it is permissible for warranty service users as necessary to meet these demands as a common requirement in the course of the study, business transactions, social activities, personal affairs and so on.


So, how do credit card laws in Islam?

In principle, the Islamic credit card is permitted, as long as the practice does not deal with the usury system, ie enforce interest, if repayment of the debt to guarantee payment arrears, or delinquent.

In addition, the provision of money services kafalah earlier, should not be too expensive, so the burden owed​​, or too large exceeds rational, to wake up from the original purpose kafalah, the rescue services, in the form of loan guarantees to merchants, sellers of goods or services receive.
Thus permissible for Muslims to use the services of a credit card that does not use the system of interest.

Credit card is allowed in islam
But if forced, or demands necessitated the need to use a regular credit card, taking the provisions of interest, then for ease of transactions permitted use any credit card. With full confidence in financial condition, and its economy was able to pay the debt, and the commitment to pay it off on time, prior to maturity, in order not to pay the debt.

It is based on the principle of jurisprudence 'Saddudz Dzari'ah', meaning attitudes and preventive measures to prevent acts of sin. Therefore, the law giver of money eaters and usury, are equally unlawful.

Based on the history of Ibn Mas'ud: "The Messenger of Allah cursed treasure eater of usury, the payer of riba, ribawi transactions witnesses and writers." (Narrated by Bukhari, Abu Dawud)

Hopefully, articles about credit card law, in Islam/Credit card is allowed in islam it can be useful for you. Thanks yours respectfully.

Live peacefully with Sunnah prayer

In this article will explain some understanding of the Sunnah prayers, and the bennefits of sunnah prayer.

1. Tahajjud  Sunnah Prayer
Tahajud Sunnah prayers is the prayer done in the middle of the night, between Isha and Fajr prayers after waking up, exactly on the third night. The cycle’s number of (rakaat) of prayer tahajjud least two cycles, up to unlimited. When about to go back to sleep you should read the ayat of al-kursi, ayat al-ikhlas, ayat Al- Falaq and ayat An-Nas.

2. Duha Sunnah Prayer

Duha prayer is a sunnah prayer done in the morning between the hours of 07:00 to 10:00 hours local time. Number raka'at least two rakaat Duha prayer, and a maximum of twelve raka'at. With a greeting every two roka'at. Benefits of Duha prayer is that in Relieve in all things, especially the fortune. When performing Duha prayer should read the Sura  Al-waqi'ah , Adh-Duha, Al-Quraishi, Ash-Syamsi, Al-kafirun, and Al-ikhlas.

3. Istikharah Sunnah Prayer

istikharah prayer is a Prayer, whose goal is to get guidance from Allah SWT in determining the choice of life, consisting of two terms / cases or more than two. Results from the guidance of Allah SWT will eliminate indecision and disappointment in later days. Case in determining the choice of:

- Choose a mate husband / wife
- Choose a job
- Decide on a case
- Choosing a place to stay, and so forth

4. Tasbih (Rosary) Sunnah Prayer
Tasbih Prayer, is the prayer that aims to reproduce Allah sanctify. Processing time of prayer is free. Every rakaat coupled with reading Tasbih words 75 times.

5. Repentance (taubat) Sunnah Prayer
Prayer repentance. Are two raka'at prayer done for people who want to repent, repentant or sorry for sins that have been committed, by vowing not to do, and repeat the sinful deeds. Sunna prayer repentance should be accompanied by fasting, almsgiving multiply, and prayer.

6. Hajat Sunnah Prayer
Hajat Prayer. is a prayer that intent, or his ideals granted by Allah SWT. Hajat Prayer is endeavor undertaken in conjunction with, or attempt to achieve the intent or ideals. Hajat Sunnah Prayers at least every two rakaat and a maximum of twelve. may at any time, with one salam every two raka'at, but it's better done in the last third of the night.

7. Safar Sunnah Prayers

Safar Sunnah Prayer. prayer is done by people who will be traveling.
such as the hajj, seeking knowledge (studi), looking for work, trade, and so on. Or traveling, while not intended for evil. Like, the ultimate goal is that gets the pleasure, safety and protection of Allah SWT.

8. Await Sunnah Prayer
Rawatib Sunnah prayers done before, and after the obligatory(fardhu) prayers.
That before prayer called Salat qobliyah,  and that after the obligatory prayer called salat Ba'diyah. Her virtue is to complement and patching obligatory prayer may be lacking humility or not tumaninah.

9. Istihqho sunnah prayer
Sunnah prayers is done to invoke rain. performed in congregation, during the dry season. in praying istikharah should also do, fasting Sunna, sodakoh, remembrance, and other good deeds.

10. Witr Sunnah Prayer.
Prayers Sunnah in Witr do before dawn. for who confidently expect wake up in the night, in priority to pray this prayer when a third night after Tahajud. Witr Prayer also called closing prayer. usual three rakaat with two salam. The first two rakaats Salam, and resumes one rakaat again.

Hopefully This article about the bennefits of sunnah prayer, can be helpfull for you, thanks Wassalam.