Explanation of the author's statement: "And if he bought it with a different type of currency, or after receiving its price, or after its quality changed."
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The Shaykh :"And if he bought it with a different type of currency" The author said, or if he bought something for cash with something other than what he sold it for on credit. And if he bought it, meaning the item he sold for cash, without what he sold it for on credit. If he bought it with a different type of currency, there is no harm. But what does he mean by "with a different type of currency"? Does he mean a cash currency of a different type, or does he mean a type of currency that is a different commodity other than cash? The apparent meaning of his words is generality. An example of this is: he sold this car for two hundred dirhams on credit, then bought it back for cash for ten pounds. Ten pounds do not equal two hundred dirhams. The price is less, or not?
The questioner : Less.
The Shaykh : Less, my brothers? He sold it for two hundred dirhams, then bought it back for cash for ten dinars. The ten do not equal, the ten do not equal two hundred dirhams. Less. Okay, is it permissible or not? The author says that this is permissible because the type is different. He sold it for silver and bought it back now. What is your name? Oh Allah, O 'Abd al-Mu'min. Do you understand the situation now? Or are you daydreaming? Okay.
Let us repeat it the second time. The issue of 'inah, you know it completely. This man sold this car for twenty thousand riyals on credit for one year, and we say the riyal means dirhams. Then he bought it back for cash for one hundred dinars, for example. One hundred dinars is less than twenty thousand dirhams. Is it permissible? The author's words indicate permissibility because he bought it with a different type of currency. The apparent meaning of his words is that if he bought it with a different type, it is permissible, whether less or more. Clear? But some scholars say that the two currencies have the same ruling, meaning the dinars and dirhams have the same ruling. So if it is not permissible for less than the dirhams, it is not permissible for less than the dinars. This opinion is strong, without a doubt. There is no doubt that it is strong, especially now that the dirham and the dinar are no longer known. What has replaced them? Paper riyals. So according to this, the scenario mentioned by the author does not exist with us, meaning that we take silver in place of gold, or the reverse, does not exist. Or after receiving its price. If he bought it after receiving its price for less, there is no harm. Clear? Meaning he sold the car for twenty thousand on credit for one year, and when the year was completed, he received twenty thousand, then he bought it from the buyer for fifteen thousand. Is it permissible or not permissible?
The questioner : It is permissible.
The Shaykh : It is permissible because the stratagem is absent here. So if he bought it for less than what he sold it for after receiving the price, there is no harm.
He said "or after its quality changed" For example, I sell him a fat cow for one hundred dirhams on credit for six months. How long is the period? Six months. After three months have passed, the cow became thin. It became lean and is worth only half the value. So the seller, meaning the seller of the cow, bought it for half its value. Is that less than what he sold it for, or more? Less than what he sold it for, in cash. The author says there is no harm in that, because the decrease here is not in exchange for the credit period, but in exchange for the change in quality. Clear, my brothers?
The questioner : Yes.
The Shaykh : So it is permissible after its quality changed. If he bought it for less after its quality changed, it is permissible. But it should be restricted to the case where the difference between the two prices is exactly what the item decreased by due to the change, not because of the credit and cash. Clear? Clear. Okay. This restriction must be that the price decreased by the amount of the quality decrease. For example, if we estimate that this cow became thin and went from being worth two hundred on credit to being worth one hundred and eighty if we sold it now, and he bought it for one hundred and eighty, is this permissible or not?
The questioner : It is permissible.
The Shaykh : Because the decrease is in exchange for the decrease in quality. But if it had only decreased by twenty in terms of quality, and he bought it for one hundred and sixty, the difference of twenty is for the difference between credit and cash. This is forbidden, because the difference that occurred now between the two prices is for the change in quality and for the credit. Therefore, it was forbidden. So the author's words in his statement "or after its quality changed" must be restricted by the condition that the difference between the two prices is only by the amount of the quality decrease. As for if it is for the difference between cash and credit, then that is forbidden, because this is the issue of what? The issue of 'inah. So it became necessary to have a restriction. Okay. Now he bought this car for twenty thousand on credit for one year, and after three months passed, he came to buy it for eighteen thousand. The car has now changed; it has had accidents, it was driven a long distance, so he bought it for eighteen thousand.
We say if the decrease of two thousand is by the amount of the quality decrease, then it is permissible. If it is less, but the decrease is for the sake of cash, then this is not permissible. And Allah knows best.
Come, 'Abdullah?
The questioner : Less.
The Shaykh : Less, my brothers? He sold it for two hundred dirhams, then bought it back for cash for ten dinars. The ten do not equal, the ten do not equal two hundred dirhams. Less. Okay, is it permissible or not? The author says that this is permissible because the type is different. He sold it for silver and bought it back now. What is your name? Oh Allah, O 'Abd al-Mu'min. Do you understand the situation now? Or are you daydreaming? Okay.
Let us repeat it the second time. The issue of 'inah, you know it completely. This man sold this car for twenty thousand riyals on credit for one year, and we say the riyal means dirhams. Then he bought it back for cash for one hundred dinars, for example. One hundred dinars is less than twenty thousand dirhams. Is it permissible? The author's words indicate permissibility because he bought it with a different type of currency. The apparent meaning of his words is that if he bought it with a different type, it is permissible, whether less or more. Clear? But some scholars say that the two currencies have the same ruling, meaning the dinars and dirhams have the same ruling. So if it is not permissible for less than the dirhams, it is not permissible for less than the dinars. This opinion is strong, without a doubt. There is no doubt that it is strong, especially now that the dirham and the dinar are no longer known. What has replaced them? Paper riyals. So according to this, the scenario mentioned by the author does not exist with us, meaning that we take silver in place of gold, or the reverse, does not exist. Or after receiving its price. If he bought it after receiving its price for less, there is no harm. Clear? Meaning he sold the car for twenty thousand on credit for one year, and when the year was completed, he received twenty thousand, then he bought it from the buyer for fifteen thousand. Is it permissible or not permissible?
The questioner : It is permissible.
The Shaykh : It is permissible because the stratagem is absent here. So if he bought it for less than what he sold it for after receiving the price, there is no harm.
He said "or after its quality changed" For example, I sell him a fat cow for one hundred dirhams on credit for six months. How long is the period? Six months. After three months have passed, the cow became thin. It became lean and is worth only half the value. So the seller, meaning the seller of the cow, bought it for half its value. Is that less than what he sold it for, or more? Less than what he sold it for, in cash. The author says there is no harm in that, because the decrease here is not in exchange for the credit period, but in exchange for the change in quality. Clear, my brothers?
The questioner : Yes.
The Shaykh : So it is permissible after its quality changed. If he bought it for less after its quality changed, it is permissible. But it should be restricted to the case where the difference between the two prices is exactly what the item decreased by due to the change, not because of the credit and cash. Clear? Clear. Okay. This restriction must be that the price decreased by the amount of the quality decrease. For example, if we estimate that this cow became thin and went from being worth two hundred on credit to being worth one hundred and eighty if we sold it now, and he bought it for one hundred and eighty, is this permissible or not?
The questioner : It is permissible.
The Shaykh : Because the decrease is in exchange for the decrease in quality. But if it had only decreased by twenty in terms of quality, and he bought it for one hundred and sixty, the difference of twenty is for the difference between credit and cash. This is forbidden, because the difference that occurred now between the two prices is for the change in quality and for the credit. Therefore, it was forbidden. So the author's words in his statement "or after its quality changed" must be restricted by the condition that the difference between the two prices is only by the amount of the quality decrease. As for if it is for the difference between cash and credit, then that is forbidden, because this is the issue of what? The issue of 'inah. So it became necessary to have a restriction. Okay. Now he bought this car for twenty thousand on credit for one year, and after three months passed, he came to buy it for eighteen thousand. The car has now changed; it has had accidents, it was driven a long distance, so he bought it for eighteen thousand.
We say if the decrease of two thousand is by the amount of the quality decrease, then it is permissible. If it is less, but the decrease is for the sake of cash, then this is not permissible. And Allah knows best.
Come, 'Abdullah?