FatwaJohorTransactions & Finance
HUKUM PELAKSANAAN PINJAMAN (KOS PERKHIDMATAN) MENGIKUT PRINSIP SYARIAH
Is a service charge for arranging a loan permissible in Sharia, and what conditions apply?
Short answer
The Johor State Fatwa Committee ruled that a service charge for loan facilitation is permissible under Islamic law if certain conditions are met.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Johor State Mufti Department
- Date
- Status
- Fatwa committee decision
- Series
- Fatwa Negeri Johor
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
The Johor State Fatwa Committee ruled that a service charge for loan facilitation is permissible under Islamic law if certain conditions are met. The charge must be free of riba, maisir and gharar, and must not exploit the hardship or needs of the borrower. It must reflect the actual cost of the service rather than a percentage of the loan amount, and be agreed by mutual consent. The charge stays fixed as agreed, and if payment is delayed only genuine ordinary administrative costs such as stamp fees may be added.
Written in our own words from the original fatwa — check the source before acting on it.
Bayaran caj perkhidmatan adalah harus menurut hukum syarak dengan syarat-syarat berikut:
Read the full fatwa on the Johor website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Johor State Mufti Department. “HUKUM PELAKSANAAN PINJAMAN (KOS PERKHIDMATAN) MENGIKUT PRINSIP SYARIAH”, 17 January 2008. https://said.johor.gov.my/perkhidmatan/paparan_detail_fatwa.php?id=557. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/ruling-service-charge-loan-sharia-conditions/