I am a lamp merchant. I buy a thousand lamps from a seller. If I pay him in cash, he lowers the price for me from nineteen to eighteen. And if I pay him after
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The questioner: All right, our professor, there is a point: does it fall under the category of riba or not? For example, I want to buy a thousand lamps. If I give him their price now, he lowers the price from nineteen to eighteen. And if I give him, for example, he wants to take it from me after two months or after one month, the price remains nineteen, and I am buying at nineteen. So does it fall under the same category as installment sales, Shaykh, or the category of deferred sales?
The Shaykh: Of course, reverse it. You are pouring. Do not say "he lowers the price." Say, "If I buy in cash, he gives me the price."
The questioner: No, our professor.
The Shaykh: Listen, may Allah guide you. You understood what I am saying.
The questioner: Go ahead, go ahead, professor.
The Shaykh: Wake up and tell me you understood, then you fail the exam. You want to buy this item in cash, and he gives it to you at a lower price. If you want to buy it on credit, he gives it to you at a higher price.
The questioner: Yes.
The Shaykh: I mean, the normal price is the lower price, not the higher price.
The questioner: Our professor, the price circulating in the market is the higher price.
The Shaykh: Leave the market to me for now. When you want to buy an item in a normal purchase, meaning your money is with you, you buy the item at the lower price. But when you do not have the price in cash, the price rises in exchange for the term.
The questioner: Yes.
The Shaykh: In exchange for patience in repayment, like bank operations. You borrow, God forbid, one hundred dinars for six months, and there is an added percentage. For one year, the added percentage is doubled. So here, you do not say, "If I take one hundred dinars for half a year, the price will go down." No, the price goes up.
The questioner: Our professor, here it goes down. How do merchants, for example, this merchant has obligations, our professor. He comes to settle his obligations and says to you, for example, "You are taking a quantity of one hundred lamps from me. If you give me their price now, I will lower the price from twenty to nineteen. And if the situation remains as it is, you give me, for example, fifty dinars every week, fifty dinars, and the price remains nineteen. But when he lowers it, our professor, he lowers it from his profit, not from the value he adds for the term. He lowers it from his profit, but its normal price in the market is nineteen.
The Shaykh: Your statement is not correct.
The questioner: There are two prices here.
The Shaykh: Your statement is not correct.
The questioner: There are two prices here.
The Shaykh: Two prices, two prices: the cash price and the installment price. What is lowered from its price? If someone wants to pay in cash, does he sell to him at the higher price?
The questioner: He sells to him at the same price.
The Shaykh: No, that is not correct.
The questioner: If he deals with him and knows him, he sells to him normally, our professor. In cash, he sells to him at nineteen. If he does not know him, meaning there is a transaction between them... he secures his right after a week or after a month...
The Shaykh: May Allah guide you, may Allah guide you. When you go to buy a car or a refrigerator, immediately he says to you: cash or installment? Two prices?
The questioner: Our professor, he does not tell us cash or installment. Meaning, he does not say to us, "You must pay cash or installment." It is customary... every week a payment. He comes every Thursday for us and takes a payment. He says to you, "If you increase your quantity and give them to me immediately, I will lower this thing for you. But we are proceeding, you and I, with a payment every week..."
The Shaykh: The important thing is that you must know that there are two prices. Do not confuse them, in our Syrian expression. Do not think that the price is the higher one. The original price is not the higher one; the original price is the lower one. But in exchange for the debt, the price rises. And you do not act like that Kuwaiti merchant who was selling the car at two prices: cash at such-and-such, and installment at such-and-such. He received news from someone, I do not know who, that the Messenger of Allah said:Sunan Abi Dawud 3461Hasan (Al-Albani). He was selling the car, for example, a model at such-and-such, for twenty thousand in cash and twenty-two on installment. He stopped selling at two prices and stopped selling in cash. He started selling at one price: twenty-two on installment. If he had been given cash, he would not have said no to you.
The questioner: The important thing is that he demands the installment price of twenty-two.
The Shaykh: Twenty-two. If you give him cash, he does not say no to you. So he was wronging half the customers. Now he is wronging everyone.
The questioner: By Allah, that is the story, our professor. As for the merchant, it happens with us. He says to you, "The more you increase the quantity..."
The Shaykh: All merchants are like this.
The questioner: All right, the method, our professor, for us now, so that we avoid it.
The Shaykh: Do not buy except in cash.
The questioner: Do not buy except in cash, according to your money.
The Shaykh: According to your money.
The Shaykh: Of course, reverse it. You are pouring. Do not say "he lowers the price." Say, "If I buy in cash, he gives me the price."
The questioner: No, our professor.
The Shaykh: Listen, may Allah guide you. You understood what I am saying.
The questioner: Go ahead, go ahead, professor.
The Shaykh: Wake up and tell me you understood, then you fail the exam. You want to buy this item in cash, and he gives it to you at a lower price. If you want to buy it on credit, he gives it to you at a higher price.
The questioner: Yes.
The Shaykh: I mean, the normal price is the lower price, not the higher price.
The questioner: Our professor, the price circulating in the market is the higher price.
The Shaykh: Leave the market to me for now. When you want to buy an item in a normal purchase, meaning your money is with you, you buy the item at the lower price. But when you do not have the price in cash, the price rises in exchange for the term.
The questioner: Yes.
The Shaykh: In exchange for patience in repayment, like bank operations. You borrow, God forbid, one hundred dinars for six months, and there is an added percentage. For one year, the added percentage is doubled. So here, you do not say, "If I take one hundred dinars for half a year, the price will go down." No, the price goes up.
The questioner: Our professor, here it goes down. How do merchants, for example, this merchant has obligations, our professor. He comes to settle his obligations and says to you, for example, "You are taking a quantity of one hundred lamps from me. If you give me their price now, I will lower the price from twenty to nineteen. And if the situation remains as it is, you give me, for example, fifty dinars every week, fifty dinars, and the price remains nineteen. But when he lowers it, our professor, he lowers it from his profit, not from the value he adds for the term. He lowers it from his profit, but its normal price in the market is nineteen.
The Shaykh: Your statement is not correct.
The questioner: There are two prices here.
The Shaykh: Your statement is not correct.
The questioner: There are two prices here.
The Shaykh: Two prices, two prices: the cash price and the installment price. What is lowered from its price? If someone wants to pay in cash, does he sell to him at the higher price?
The questioner: He sells to him at the same price.
The Shaykh: No, that is not correct.
The questioner: If he deals with him and knows him, he sells to him normally, our professor. In cash, he sells to him at nineteen. If he does not know him, meaning there is a transaction between them... he secures his right after a week or after a month...
The Shaykh: May Allah guide you, may Allah guide you. When you go to buy a car or a refrigerator, immediately he says to you: cash or installment? Two prices?
The questioner: Our professor, he does not tell us cash or installment. Meaning, he does not say to us, "You must pay cash or installment." It is customary... every week a payment. He comes every Thursday for us and takes a payment. He says to you, "If you increase your quantity and give them to me immediately, I will lower this thing for you. But we are proceeding, you and I, with a payment every week..."
The Shaykh: The important thing is that you must know that there are two prices. Do not confuse them, in our Syrian expression. Do not think that the price is the higher one. The original price is not the higher one; the original price is the lower one. But in exchange for the debt, the price rises. And you do not act like that Kuwaiti merchant who was selling the car at two prices: cash at such-and-such, and installment at such-and-such. He received news from someone, I do not know who, that the Messenger of Allah said:
If anyone makes two transactions combined in one bargain, he should have the lesser of the two or it will involve usury.
مَن باع بيعتَين في بيعة فله أوكَسُهما أو الرباThe questioner: The important thing is that he demands the installment price of twenty-two.
The Shaykh: Twenty-two. If you give him cash, he does not say no to you. So he was wronging half the customers. Now he is wronging everyone.
The questioner: By Allah, that is the story, our professor. As for the merchant, it happens with us. He says to you, "The more you increase the quantity..."
The Shaykh: All merchants are like this.
The questioner: All right, the method, our professor, for us now, so that we avoid it.
The Shaykh: Do not buy except in cash.
The questioner: Do not buy except in cash, according to your money.
The Shaykh: According to your money.
Source
www.al-albany.com
The Arabic text is copied verbatim from the original source, without any edits.