By: Abdul Halim M Sholeh
Borrowing is fine, as long as it is intended to fulfill basic needs. However, debt can be a despicable thing when it is done to consume something that can be postponed, let alone just showing off to people that they are able.
From Uqbah bin Amir RA, Rasulullah SAW said, “Do not do things that can bring fear to yourself. Whereas, before that, you were a safe person.” The Companions asked,” What is that action, O Messenger of Allah?” The Prophet answered, “Debt.” (HR Al Baihaqi).
Sayyid Alawi al-Maliki explained the meaning of the above hadith as follows, “Do not owe, except in an emergency, because debt can bring fear and humiliation to the debtor.” The above is also in line with the hadith,” O Allah, I seek refuge with you from al-Hamm and al-hazan. I seek refuge in You from weak will and laziness. I take refuge in You from the nature of cowards (al-jubn) and griping. And, I take refuge in You from a lot of debt and human intimidation.”
If you pay attention, in addition to the form of a prayer sentence, the Hadith also implies that we avoid the four cases so that they are free from the other four cases. First, we are forbidden to fall into al-Hamm, which literally means short-term sadness in order to avoid al-hazan, which can be interpreted as continuous sadness.
That is, do not be a person who is easy to lament the fate because it will only sadden our days. We should be a strong person so that any serious problems can be passed through gracefully. Second, people are forbidden to have a weak will because it can cause laziness.
Third, it is forbidden to fall into al-jubn, namely fear or cowards, including fear of being excessively poor so that we become miser to give alms.
As for the fourth, we are encouraged to avoiding excessive debt bondage so that it is not colonized by those who cheat us.