FatwaFederal TerritoriesTransactions & Finance
AL-KAFI #1617: STATUS BARANGAN YANG DIBELI DENGAN PINJAMAN KONVENSIONAL
Is it forbidden to use goods bought with a conventional loan involving riba, such as a car loan or a credit card instalment that charges interest?
Short answer
Taking a conventional loan involving riba is forbidden, and riba is counted among the major sins.
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
- Al-Kafi li al-Fatawi
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Taking a conventional loan involving riba is forbidden, and riba is counted among the major sins. However, the sin attaches to the riba loan itself and not to the goods purchased. The goods may be used and belong to the borrower, because the prohibition is of the haram lighairihi type, meaning valid but sinful. The borrower must repent, and is advised to settle the debt as soon as able to obtain a bank rebate and reduce the riba paid.
Written in our own words from the original fatwa — check the source before acting on it.
Walaupun begitu, dosa pengharaman di atas berkait dengan "pinjaman duit riba yang dibuat" manakala barang yang dibeli menggunakan duit riba boleh digunakan dan menjadi hak milik peminjam.
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. “AL-KAFI #1617: STATUS BARANGAN YANG DIBELI DENGAN PINJAMAN KONVENSIONAL”, 19 February 2020. https://muftiwp.gov.my/ms/artikel/al-kafi-li-al-fatawi/4205-al-kafi-1617-status-barangan-yang-dibeli-dengan-pinjaman-konvensional. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/ruling-goods-bought-conventional-loan-riba/