Rujuk FatwaMalaysian fatwa reference
BM

FatwaFederal TerritoriesTransactions & Finance

IRSYAD HUKUM SIRI KE-592: HUKUM HASIL KEUNTUNGAN PERNIAGAAN YANG MENGGUNAKAN PINJAMAN RIBA SEBAGAI MODAL

Is business profit made with capital from a riba-based loan lawful to use?

Short answer

A riba-based loan is forbidden and counted among the major sins.

Federal TerritoriesOpinion (irsyad)

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

A riba-based loan is forbidden and counted among the major sins. However, the borrowed money becomes the borrower's property, so the income and profit from a business run with it are lawful to use, provided the business itself complies with Islamic law and is not a forbidden one. The prohibition is haram lighairihi, meaning forbidden because of an external factor rather than the nature of the money itself. The borrower is advised to repent, repay promptly, and refinance through a Sharia-compliant arrangement if unable to repay.

Written in our own words from the original fatwa — check the source before acting on it.

Pinjaman berasaskan riba adalah haram dan antara dosa besar seperti yang dinyatakan oleh Imam Nawawi. Namun begitu, hasil daripada perniagaan yang dijalankan menggunakan wang tersebut adalah halal dan boleh digunakan.

Excerpt from the original fatwa · Federal Territories

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-592: HUKUM HASIL KEUNTUNGAN PERNIAGAAN YANG MENGGUNAKAN PINJAMAN RIBA SEBAGAI MODAL”, 10 July 2021. https://muftiwp.gov.my/ms/artikel/irsyad-hukum/umum/4864-irsyad-al-fatwa-siri-ke-592-hukum-hasil-keuntungan-perniagaan-yang-menggunakan-pinjaman-riba-sebagai-modal. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/profit-from-business-using-riba-loan-capital/

Local graph

This fatwa and its nearest connections. The full lists are below.

See it on the full map

Evidence cited

Quran verses

  • Al-Baqarah 2:275

Books

  • al-Hawi al-Kabir (al-Mawardi)
  • al-Majmu' Syarh al-Muhazzab (al-Nawawi)
  • Syarh al-Nawawi 'ala Sahih Muslim

Directly linked fatwas

Related fatwas from other authorities

Chosen because the topic is close. Each is a separate fatwa — not necessarily an answer to the same question.