Sale and purchase with a credit system (bittaqsith) is heresy amaliyah unknown Muslims in the centuries (qurun) first. It is a practice that was practiced before the infidels occupying Muslim countries, then menjajahnya and set the country towns with their laws of infidels.
After obtain benefit greatly from country towns, they left the bad influences in the country. While the Muslims who live in today is in the way of life (Muamalat) relics are infidels. The more important as the spoken Prophet sallallaahu 'alaihi wa sallam.
"It means: I do not leave any that you can get closer to Allaah, but you have my command to him. And it's not my left one that can keep you from Allaah and draws you into hell, but has I warned you from it ". [See As-or higher: 1803]
From there actually deeds which Allah has prohibited this day is called the "Sale and Purchase Credit System" (Bittaqsith). Offers to buy this is heresy that is not previously known to the Muslims.
I remind you also, this name is a heresy that is not found in any books of fiqh, which states "Sale and Purchase Credit System." In the books of the Muslims there is a system of debt and is called "Borrowing Good" (qardhul Hasan), as the term in relation Muamalat Muslims. Whereas the Prophet gives advice on good lending and borrowing, to achieve the degree of virtue. Likened to give pinjamam 2 dinars, like if you give shadaqoh 1 dinar. That is if you have two pence to lend you a Muslim brother, as if you had issued shodaqoh 1 (one) dinar from you pocket.
As the lending and borrowing is good advice, the Prophet sallallaahu 'alaihi wa sallam forbade additional levy in lieu of his patience towards you that Muslim brothers, in meeting its debt. Said the Prophet sallallaahu 'alaihi wa sallam.
"It means: Any person who sells two sales in one sale of the rights to him is the price less, or including usury."
In another narration.
"It means: He sallallaahu 'alaihi wa sallam forbade two sales in one sale and purchase".
Asked one who narrated this hadith on the meaning of the ban. So he replied.
"You said, I'm selling this to you with all these price in cash, if nyicil (credit) at a price so and so".
Or more specifically, I sell this stuff to you with a price of 100 pence in cash, and the price of 105 dinars on credit.
Said the Prophet sallallaahu 'alaihi wa sallam.
"It means: Any person who sells two sales in one sale of the rights to him is the price less, or including usury."
That is when he took the extra then that is usury. As these goods, which have you selling price of 105 dinars, which is 5 pence in lieu of patience to wait.
If there is Islamic law for individuals and governments, to a buyer who has collected five dinars by the merchant in exchange for patience to wait, then the buyer is entitled to sue and complain to the expert knowledge.
This is the meaning of the Hadith, which sold one but two sales offer or two sale and purchase. "Cash price with the price so many debts." Prophet named because of the additional debt by the name of usury.
In the As-Shahihain 50/419-427 explained in detail about bittaqsith.
[25 Fatwa Fadhilatus Syaikh Muhammad Nashiruddin Al-Albani, hal. 15-18 Design Optima, Semarang 1995]
