Bahaya Tidak Segera Membayar Hutang Padahal Mampu Membayarnya

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Bisa jadi terdapat orang yang memiliki hutang pada teman , kala dia memiliki duit buat membayar dan juga sanggup, dia tidak lekas melunasinya. dia malah padat jadwal membeli kebutuhan tersier/elegan terlebih lagi pamer.

ini tidak dibenarkan dalam ajaran islam. agama islam menekankan kalau yang namanya hutang itu merupakan darurat. tidak bermudah - mudah berhutang dan juga cuma dicoba di dikala amat diperlukan aja.

bila sudah sanggup membayar, hingga lekas bayar. bila terencana memunda membayar hutang sementara itu sanggup ini merupakan kedzaliman.

nabi shallallahu ‘alaihi wa sallam bersabda,
ﻣَﻄْﻞُ ﺍﻟْﻐَﻨِﻰِّ ﻇُﻠْﻢٌ ، ﻓَﺈِﺫَﺍ ﺃُﺗْﺒِﻊَ ﺃَﺣَﺪُﻛُﻢْ ﻋَﻠَﻰ ﻣَﻠِﻰٍّ ﻓَﻠْﻴَﺘْﺒَﻊْ ‏

“penundaan (pembayaran hutang dari) seseorang yang kaya merupakan suatu kelaliman, hingga bila salah seseorang dari kamu dipindahkan kepada seseorang yang kaya hingga ikutilah. ”

terencana menunda pelunasan? awas bahaya dunia - akhirat!
amat bahaya dan juga rugi dunia - akhirat, bila terencana menunda membayar hutang sementara itu sanggup. berikut sebagian perihal tersebut:

1) bila wafat dan juga bawa hutang, dia hendak terhalang masuk surga walaupun mati syahid
rasulullah shallallahu ‘alaihi wa sallam bersabda,
وَالَّذِى نَفْسِى بِيَدِهِ لَوْ أَنَّ رَجُلاً قُتِلَ فِى سَبِيلِ اللَّهِ ثُمَّ أُحْيِىَ ثُمَّ قُتِلَ مَرَّتَيْنِ وَعَلَيْهِ دَيْنٌ مَا دَخَلَ الْجَنَّةَ حَتَّى يُقْضَى عَنْهُ دَيْنُهُ

“demi yang jiwaku terdapat ditangannya, seandainya seseorang pria terbunuh di jalur allah, setelah itu dihidupkan lagi, kemudian ia terbunuh lagi 2 kali, dan juga ia masih memiliki hutang, hingga ia tidak hendak masuk surga hingga hutangnya itu dilunasi. ”

2) keadaannya ataupun nasibnya menggantung/tidak jelas ataupun tidak tentu apakah hendak selamat ataupun binasa
tentu kita amat tidak bahagia dengan ketidakpastian, terlebih urusannya merupakan di akhirat nanti ialah antara surga ataupun neraka. rasulullah shallallahu ‘alaihi wa sallam bersabda,
نَفْسُ الْمُؤْمِنِ مُعَلَّقَةٌ بِدَيْنِهِ حَتَّى يُقْضَى عَنْهُ

“jiwa seseorang mukmin bergantung karna hutangnya, hingga hutang itu dilunaskannya. ”

syaikh abul ‘ala al - mubarfkafuri rahimahullah menarangkan hadits ini,
قال السيوطي أي محبوسة عن مقامها الكريم وقال العراقي أي أمرها موقوف لا حكم لها بنجاة ولا هلاك حتى ينظر هل يقضى ما عليها من الدين أم لا انتهى

“berkata as suyuthi, ialah orang tersebut tertahan buat menggapai tempatnya yang mulia. sedangkan imam angkatan laut (AL) ‘iraqi berkata urusan orang tersebut terhenti (tidak diapa - apakan) , sampai - sampai tidak dapat dihukumi bagaikan orang yang selamat ataupun binasa, hingga terdapat kejelasan nasib hutangnya itu sudah dibayar ataupun belum. ”

3) teman yang memiliki hutang tidak dishalati oleh rasulullah shallallahu ‘alaihi wa sallam, sementara itu shalat dia merupakan syafaat
dari jabir radhiallahu ‘anhu, ia mengatakan,
كَانَ رَسُولُ اللَّهِ صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ لَا يُصَلِّي عَلَى رَجُلٍ مَاتَ وَعَلَيْهِ دَيْنٌ فَأُتِيَ بِمَيِّتٍ فَقَالَ أَعَلَيْهِ دَيْنٌ قَالُوا نَعَمْ دِينَارَانِ قَالَ صَلُّوا عَلَى صَاحِبِكُمْ

“adalah rasulullah shallallahu ‘alaihi wa sallam tidak menshalatkan pria yang mempunyai hutang. kemudian dihadirkan mayit ke hadapannya. dia bersabda: “apakah ia memiliki hutang? ” mereka menanggapi: “ya, 2 dinar. dia bersabda, “shalatlah buat teman kamu. ”

artinya merupakan nabi shallallahu alaihi wa sallam mau menarangkan kepada para sahabatnua kalau, hutang amat tidak layak ditunda dibayar hingga wafat, sementara itu dia sudah sanggup membayarnya.

ibnu qayyim al - jauziyah menarangkan kalau shalat nabi shallallahu ‘alaihi wa sallam merupakan syafaat. dia mengatakan,
وَكَانَ إذَا قُدّمَ إلَيْهِ مَيّتٌ يُصَلّي عَلَيْهِ سَأَلَ هَلْ عَلَيْهِ دَيْنٌ أَمْ لَا ؟ فَإِنْ لَمْ يَكُنْ عَلَيْهِ دَيْنٌ صَلّى عَلَيْهِ وَإِنْ كَانَ عَلَيْهِ دَيْنٌ لَمْ يُصَلّ عَلَيْهِ وَأَذِنَ لِأَصْحَابِهِ أَنْ يُصَلّوا عَلَيْهِ فَإِنّ صَلَاتَهُ شَفَاعَةٌ وَشَفَاعَتَهُ مُوجَبَةٌ

“jika dihadirkan kepada nabi shallallahu ‘alaihi wa sallam seseorang mayit, kemudian ia bakal menshalatkan hingga dia hendak bertanya, apakah ia memiliki hutang ataupun tidak? bila ia tidak memiliki hutang hingga dia menshalatkannya, bila ia memiliki hutang hingga dia tidak ingin menshalatkannya, tetapi mengizinkan para teman menshalatkan mayit itu. sebetulnya shalat dia (buat sang mayit) merupakan syafaat (penolong) dan juga syafaat dia merupakan perihal yang tentu. ”

4) orang yang berhurang dan juga bernazar tidak ingin melunasi , hendak berjumpa dengan allah dengan status bagaikan pencuri
rasulullah shallallahu ‘alaihi wa sallam bersabda,
ﺃَﻳُّﻤَﺎ ﺭَﺟُﻞٍ ﻳَﺪَﻳَّﻦُ ﺩَﻳْﻨًﺎ ﻭَﻫُﻮَ ﻣُﺠْﻤِﻊٌ ﺃَﻥْ ﻻَ ﻳُﻮَﻓِّﻴَﻪُ ﺇِﻳَّﺎﻩُ ﻟَﻘِﻰَ ﺍﻟﻠَّﻪَ ﺳَﺎﺭِﻗًﺎ

“siapa aja yang berhutang kemudian bernazar tidak ingin melunasinya, hingga ia hendak berjumpa allah (pada hari kiamat) dalam status bagaikan pencuri. ”

5) status berhutang membikin pelakunya memperoleh kehinaan di siang hari dan juga kegelisahan di malam hari
umar bin abdul aziz mengatakan,
ﻭﺃﻭﺻﻴﻜﻢ ﺃﻥ ﻻ ﺗُﺪﺍﻳﻨﻮﺍ ﻭﻟﻮ ﻟﺒﺴﺘﻢ ﺍﻟﻌﺒﺎﺀ ﻓﺈﻥ ﺍﻟﺪّﻳﻦ ﺫُﻝُّ ﺑﺎﻟﻨﻬﺎﺭ ﻭﻫﻢ ﺑﺎﻟﻠﻴﻞ، ﻓﺪﻋﻮﻩ ﺗﺴﻠﻢ ﻟﻜﻢ ﺃﻗﺪﺍﺭﻛﻢ ﻭﺃﻋﺮﺍﺿﻜﻢ ﻭﺗﺒﻖ ﻟﻜﻢ ﺍﻟﺤﺮﻣﺔ ﻓﻲ ﺍﻟﻨﺎﺱ ﻣﺎ ﺑﻘﻴﺘﻢ

“aku wasiatkan kepada kamu supaya tidak berhutang, walaupun kamu merasakan kesusahan, karna sebetulnya hutang merupakan kehinaan di siang hari kesengsaraan di malam hari, tinggalkanlah dia, tentu martabat dan juga harga diri kamu hendak selamat, dan juga masih tersisa kemuliaan untuk kamu di tengah - tengah manusia sepanjang kamu hidup. ”

untuk yang benar wajib berhutang karna terpaksa dan juga darurat, tidak butuh sangat takut karna bila benar terpaksa dan juga bernazar betul - betul membayar, hingga hendak dibantu oleh allah. ancaman tersebut untuk orang yang memiliki harta dan juga bernazar tidak membayarnya.

al - munawi menarangkan,
والكلام فيمن عصى باستدانته أما من استدان حيث يجوز ولم يخلف وفاء فلا يحبس عن الجنة شهيدا أو غيره

“pembicaraan menimpa perihal ini berlaku pada siapa aja yang mengingkari hutangnya. terdapat juga untuk orang yang berhutang dengan trik yang diperbolehkan dan juga ia tidak menyelisihi janjinya, hingga ia bukanlah terhalang dari surga baik bagaikan syahid ataupun yang lain. ”

ash - shan’ani pula menegaskan demikian, ialah untuk mwreka yang berhutang tetapi bernazar tidak ingin melunasinya. dia berkata
ويحتمل أن ذلك فيمن استدان ولم ينو الوفاء

“yang demikian itu dimaksud untuk siapa aja yang berhutang tetapi ia tidak bernazar buat melunasinya. ”

mudah - mudahan allah menjauhkan kita sejauh - jauhnya dari hutang.






( sumber: muslim. or. id )

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