FatwaFederal TerritoriesTransactions & Finance
IRSYAD HUKUM SIRI KE-656: ADAKAH ROH PENJAMIN HUTANG AKAN TERGANTUNG SEKIRANYA TIDAK SEMPAT MELANGSAIKAN HUTANG SEBELUM MATI?
Will the soul of a debt guarantor remain suspended if he dies before settling the guaranteed debt?
Short answer
Some hadiths warn that a believer's soul is suspended by his debt until it is settled, particularly for those who are able to pay but deliberately refuse.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Federal Territories Mufti Office
- Date
- Status
- Opinion (irsyad)
- Series
- Irsyad al-Hukum (Umum)
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Some hadiths warn that a believer's soul is suspended by his debt until it is settled, particularly for those who are able to pay but deliberately refuse. If a guarantor is truly insolvent and unable to pay until death, the debt is to be paid from his estate. The guarantor or his heirs may apply for zakat under the gharimin category, provided he is unable to settle the debt. The guarantor may also reclaim payments made from the original borrower, and heirs may act on his behalf in doing so.
Written in our own words from the original fatwa — check the source before acting on it.
Selain itu, penjamin atau ahli warisnya juga boleh memohon zakat bagi kategori asnaf gharimin iaitu "orang yang berhutang" kerana di dalam mazhab Syafie, zakat boleh diberikan kepada individu yang menjadi penjamin bagi orang lain yang berhutang
Read the full fatwa on the Federal Territories website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Federal Territories Mufti Office. “IRSYAD HUKUM SIRI KE-656: ADAKAH ROH PENJAMIN HUTANG AKAN TERGANTUNG SEKIRANYA TIDAK SEMPAT MELANGSAIKAN HUTANG SEBELUM MATI?”, 2 December 2021. https://muftiwp.gov.my/ms/artikel/irsyad-hukum/umum/5077-irsyad-al-fatwa-siri-ke-656-adakah-roh-penjamin-hutang-akan-tergantung-sekiranya-tidak-sempat-melangsaikan-hutang-sebelum-mati. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/is-guarantor-soul-suspended-if-debt-unpaid/