FatwaFederal TerritoriesTransactions & Finance
IRSYAD HUKUM SIRI KE-928: HUKUM BELI BARANG KEMAS PAKAI DULU, BAYAR KEMUDIAN
Is it permissible to buy jewellery from a gold shop on an instalment basis, wearing it first and paying later?
Short answer
Buying gold jewellery in instalments from a gold shop is permissible according to some scholars who hold that gold jewellery is not a ribawi item, a view consistent with the decision of the National Fatwa Committee.
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
Buying gold jewellery in instalments from a gold shop is permissible according to some scholars who hold that gold jewellery is not a ribawi item, a view consistent with the decision of the National Fatwa Committee. Those who follow the majority view and wish to avoid the disagreement may use an Islamic credit card, which is treated as cash, or take a loan from another party and buy the gold in cash. Purchases through conventional credit cards, non-Shariah-compliant loans or any instrument containing riba are prohibited.
Written in our own words from the original fatwa — check the source before acting on it.
Hukum membeli emas perhiasan secara pakai dulu bayar kemudian secara ansuran daripada kedai emas adalah diharuskan berdasarkan pandangan sebahagian ulama yang mengatakan bahawa emas perhiasan tidak dikira sebagai item ribawi.
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-928: HUKUM BELI BARANG KEMAS PAKAI DULU, BAYAR KEMUDIAN”, 3 September 2025. https://muftiwp.gov.my/ms/artikel/irsyad-hukum/umum/6357-irsyad-hukum-siri-ke-928-hukum-beli-barang-kemas-pakai-dulu-bayar-kemudian. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/ruling-buy-jewellery-wear-first-pay-later/