Telling
about how to get rid of usury is like retelling one of the amazing
stories that have been in my life. I always thought it would be hard to
escape Riba. How's the story? Let's check it out!
What Is Riba?
To be honest, my understanding of religion is not very deep. As
far as I remember, religious lessons about usury are rarely discussed.
With limited knowledge, loan sharks and bank interest may be two things
from the least example of usury in our lives. I personally have never
known or interacted with loan sharks in real life.
In language, usury means additional or excess (ziyadah). In terms, usury means excess or additional payment in the debt of the debt owed or the purchase of the previously required for one of the two other persons / parties who make an agreement.
Understand the Shape of Riba
Credit Card
Since
working, I aspire to have a credit card as a means of payment.
Unfortunately, having a credit card is not as easy as I imagined. One of
the factors (it seems) is because my income is not big.
Unexpectedly,
one time I got the opportunity to make a credit card without heavy
requirements. In addition to shopping, credit cards can be used for
financing by way of credit with zero percent interest. With an autodebit
payment system, I’ve never been late to pay bills every month so that
other credit card application offers come.
This
magic card provides other facilities in the form of discounts. Usually we use it to find a restaurant where we gather arisan
every month. Hmmm, it's fun, isn't it?
Pawn Practice
After
a few years of settling in with the nomads, one of my friends introduced me
to one of the customs in the land of Cianjur that I did not meet in
Bandung, namely paddy paddy/garden/house.
Pawnshops
borrow money from someone with a guarantee of rice fields, gardens, and/or houses. As long as the loan money has not been paid or returned, the
proceeds of the rice fields or gardens become the right of borrowers of
money. Likewise for the house, the borrower of money is entitled to
occupy the house as long as the debt has not been paid. The payment
deadline is divided into two types. Some use the deadline, for example,
within five years or infinitely until the loan is paid in full.
In
the early 2000s, the amount of money borrowed did not range from $2 to $5 million. At first glance, this practice is very tempting, huh? How not?
The results of rice fields and gardens, such as rice, cassava, beans,
papaya, bananas, and others, automatically belong to money borrowers.
Sometimes the borrower is ‘kind’ to divide the proceeds of the farmer
with the owner of the guarantee in a certain percentage according to
the agreement.
The
practice of pawnshops is also widely lived, with a nominal population of 15–20
million with various home locations on the side of the main road to
enter the village. The size of the house is quite large, with 2–3
bedrooms plus a garage.
Pawn House
The
owner of the contract that I was in the residence decided to inhabit
the house so automatically I had to find a new contract.
Qodarullah, in the midst of confusion looking for a house, I found a
pawn house.
That
said, the house had been pawned for almost ten years. The previous
occupants will move to Bandung so that the homeowner must return the
money of Rp. 12 million. But because he does not have the money, the
house is offered for overpawns. So I paid a sum of money to the
homeowner, who was directly given to the previous occupants.
I
fell in love when I first saw this house. The paint is white, the
sunlight enters the house, the kitchen is spacious, and the bathroom is clean. Unfortunately, the condition of the house is not so good.
The
wall is damp because it attaches to the wall of the building next to
the wall, and the tile leaks so that it damages the ceiling of the room
to the hole. The ceiling of the room is also a favorite place of Anabul
children, so often I hear the sound of Anabul that makes me stressed and I cannot sleep. Yep, I'm scared and don't like the sound of cats.
Home
improvement is entirely my duty. The cost of a year's rent that can
reach 3–5 million I can cut by occupying this pawn house. Despite
being in the gang, this house is located near the main road with
one-time public transport access to the office. Like many houses in the
suburbs of Cianjur, in the alley there are only two houses: the house I
inhabit and the home of the parents of the owner of the house that I
inhabit. The rest are small gardens and rivers.
Just
2 years later, the homeowner 'forced' me to raise the price of the pawn
on the grounds that it needed a business. If I don't, the owner of the
house will cover the mortgage for someone else. Because I no longer have
the energy to find a new contract (plus I think the price of the
contract is getting more expensive every year), I finally agreed to add
money by Rp. 8 million.
This
kind of trick is sometimes thrown by homeowners so that we are willing
to lend more money. This trick is also often ‘welcome’ to the recipient
of the pawn because the higher the money borrowed, the harder the owner
pays his loan and ends up releasing the guarantee to the recipient of
the pawn at a lower price than the market.
I
myself do not intend to 'master' this pawn house because of its
location in the alley without access to the car. In addition, the house
ownership letter is still in the form of a girik letter C. If the owner
of the house continues to increase the price of the pawn of the house, I
have to choose ‘out’ only.
Sharia Banking Financing
My mother and I live in a simple house that Mother bought from the rations of Embah housing as a retired widow of
soldiers. This house is located on the outskirts of Bandung. For a long
time, I had dreamed of renovating the house to make it more comfortable
to live in. Because it requires considerable funds, I ventured to apply
for financing from Islamic banks to complete the savings that I have long
accumulated.
At
that time I began to learn how to escape from usury so that I minimize
conventional banks for me to use every day. I think sharia banking is an
alternative to the 'shariah's banking transactions' that I choose.
Fingery filings in Islamic banks are relatively more difficult when compared to conventional banks. The
purpose of financing that must be detailed for home renovation (which I
know is different from conventional banks that can apply for financing
for anything for no apparent reason), administrative costs are also borne by the customer in advance (different from conventional banks that will cut
administrative costs from financing funds so that we do not need capital
to pay administrative costs).
The
year goes on, and as many Islamic studies as I follow and information about usury—the basics of the law and its applications—I started to get a lot
from social media, especially Instagram and YouTube. Unsistance: the
discussion of the way to escape from usury seems destined to continue to 'slap' in my timeline, as if it is to emphasize that this is the time to practice the way to escape from usury, as I learned.
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