Alhamdulillah, selesai kertas Econometrics II yang merupakan peperiksaan pertama bagiku untuk Semester Winter 2007. Tinggal tiga lagi. Selesai Solat Asar, perut meraung kelaparan. Selama tiga jam terkurung dalam bilik peperiksaan, ditambah pula dengan cuaca bumi Kanada yang masih dituruni salji di tengah bulan April sangat cepat menzahirkan kelaparan.
Bersama Mishal, kami mengorak langkah meniti terusan Rideau ke Meadowsland Mall. Mishal ingin mendepositkan wang ke dalam akaun bank rakannya di Bank Canada Trust, dan cawangan yang terdekat dengan kampus ialah di Meadowsland Mall yang terletak seberang jalan dari Apartment Prince of Wales.
Selesai urusan, terus kami ke Restoran McDonalds yang bersebelahan dengan Bank Canada Trust. Sandwich ikan menjadi pilihan. Sambil menikmati hidangan, kami seperti biasa ada saja isu yang hendak disembangkan.
Mishal: Before I came to
Muhammad: That’s true. Instead we have to pay for service fee for the account.
Di Kanada, rata-rata individu memiliki akaun cek kerana kebanyakan urusan memerlukan cek, dan penggunaan kad debit sangat meluas. Pihak bank mengenakan bayaran perkhidmatan untuk akaun cek, dan tiada sebarang faedah diterima pemilik, banyak persamaan dengan akaun semasa yang ditawarkan bank-bank di
Muhammad: Even in Islam, it seems that as if we are discouraged from putting our money in savings account, because it is a leakage that prevents the economy from being in equilibrium. If you keep money for a period of one year, you are required to pay zakah proportionate of total amount saved.
Mishal: I agree with that view. Everything must be in circulation. This will keep the economy in balance, wealth being rotated in society and fuel growth. Interest will only hinder this circulation.
Mishal: I am surprised to see that some of our Muslim brothers, they are so particular about their food, but ignore their financial obligations.
Muhammad: What do you mean?
Mishal: Well, we can see that some of them are so strict in making sure that they eat halal and pure food. They will not go to restaurant that serves halal meals with pork, like Subways and Pizza-Pizza that sell bacon, ham and pepperoni pizza, but at the same time they have tuna sandwich and veggie pizza. At the same time, they are not feeling guilty putting their money in interest-based account.
Muhammad: Well, it’s better if we avoid both.
Mishal: Well said. To me, taking riba is more haram than eating at these places, since God clearly declared war against those who practice riba. We are not eating the haram food, we are still eating halal food. When we put our money in these banks, we know that they also offer interest-based services, but we intentionally choose ones that are interest-rate free.
Muhammad: Let's just hope that one day there'll be Islamic banks, or at least interest-free banks in Canada.
Tidak dinafikan kebanyakan umat Islam tidak ambil endah dengan wang mereka yang disimpan di bank-bank yang mengamalkan riba, termasuk
2 comments:
"When we put our money in these banks, we know that they also offer interest-based services, but we intentionally choose ones that are interest-rate free"
akak tak faham sket tang sini when I read te whole scenario.
Is he trying to say "we intentionally chooses ones that are NOT interest-rate free"
kalau are NOT, I can follow the flow but if he said "are" means opening any acct (be it checking or savings) in the bank is worse haram than eating halal food in restaurant that serves khindzir AS opening an acct in the bank is already consider subahah in riba-banking system.
Bila kita buka a/c di mana-mana bank yg ada interest, kita dengan sengaja telah memilih a/c yg interest-rate free (bebas dari interest - mcm checking a/c)sebab tidak mahu terlibat dgn riba, walaupun kita tahu bank tersebut ada praktik riba ikut a/c lain. Seeloknya kalau ada bank yg 100% bebas dari riba adalah lebih baik, sebab tiada syubhah riba di situ. tapi di sesetengah tempat (mcm di Kanada ni) belum ada bank seperti ini. Kalau mampu simpan duit sendiri tanpa a/c, buatlah. Tapi kebanyakan kita tidak mampu untuk uruskan hidup tanpa a/c bank (mungkin iman kita lemah atau hidup akan susah tanpa a/c bank), jadi kita pilihlah a/c yg tiada interest.
Pasal restoran tu, banyak lagi alternatif lain - cari yg 100% halal, or masak sendiri sebab bebas dari syubhah non-halal ni. Mungkin ada tempat yg belum ada restoran halal, dan nak masak sendiri tak pandai pula, maka taatilah perintah Allah setakat termampu - bila ke restoran order la makanan yg halal.
Nampak ada sedikit sebanyak persamaan antara a/c bank yang kita buka di bank yg praktik riba dan makanan halal yg kita order di restoran halal+non. Syubhah utk jatuh ke perkara yg haram ttp ada, di bank mungkin duit kita digunakan utk kasi loan based on riba kt orang lain, di restoran mungkin ada unsur-unsur non-halal termasuk dlm makanan. Kalau boleh elak, elakkan. Kalau tak boleh, usaha setakat termampu - pilih a/c yg tiada interest dan order makanan yg halal...
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