By : Ina Salma Febriany
Problems and economic difficulties often make a person feel stuck and disoriented to find a way out. Up to the point at the extreme difficulty of the material, eventually many of us who choose to owe to others. It is not wrong indeed.
Owe is permitted in Islam, even as it did not want the presence of the aggrieved person for accounts payable practices, God formulated the rule or manner of owe contained in the end of surah al-Baqarah verse 282 that any accounts payable practices should be recorded and witnessed.
Recording and testament on transactions of debts is intended to avoid confusion and hostility that would very likely occur. By recording and the testimony of all, debtors recall the amount of debt he had to pay if a time he forgot. But how if the debtor is poor? or even there is a phenomenon that often happens is precisely that the one who owe more coarse and cruel than the creditor?
Therefore, we need a broad-mindedness and spirit when we decided to lend money to others. The creditor must also know exactly what is owed really have not been able to pay, pretending not capable or even no intention to repay the debt. Related to deal with people who are unable to pay, then the Qur’an encourages us to give spaciousness.
“And if the debtor is in straitened circumstances, then (let there be) postponement to (the time of) ease; and that ye remit the debt as almsgiving would be better for you if ye did but know. “(Surat Al-Baqarah: 280)
The Qur’an is so mannered suggestions in guiding debts. In addition to the creditor is recommended to provide spaciousness (Maysarah-spare time or opportunity to pay), the creditor must also be prepared if it should ultimately make borrowed money as a sadaqah when the debtor, ultimately could not pay.
The question is; have we followed the guidance of the Qur’an? If only we had the money 10 million and lent it to 10 people and all of them were not able to pay its debts, could we sincere?
When Hudhayfah and Abu Mas’ud ra were gathered, Hudhayfah ra said, “There was a man who died and to his Lord, then the Lord said to him,” What have you done? “He replied,” I never do good, but first I am a person who has property. With the treasure I have left that I used to give loans to people in need, and I often provide ease of payment. If a person is unable to pay, then I release these debts, “Then Allah says, ‘Give spaciousness to him,” Abu Mas’ud said, that’s how I heard the Prophet said, “(Muslim, Sahih Muslim, the Section 3, No hadith 1560)
Thus, there is no one who escapes from God custody. Any nominal that we have to spend (lend) with sincerity, it just must be reciprocated. Quite a reply in the hereafter alone all his good deeds good people were given.