Shine ƙari da akeyi wa mutum a Mu’amala da ya ƙunshi Riba, ko kuma jinkirta karɓan abinda ya wajaba a karɓe shi a lokacin ƙulla kasuwanci kaman canji kenan.
Rabe raben Riba.
Na farko akwai Riba ta Jahiliyya Ko Riban-Nasi'(Riban Bashi ko Jinkiri): Shine duk wani ƙari da mai bada bashi zai nema daga wurin wanda ya baiwa bashi, ko kuma duk wani ciniki da za’a ƙulla wanda akayi shi tsaƙanin nau’ukan abubuwa biyu wanda wajibi ne a karɓe su a lokacin ƙulla kasuwan cin.
Misalin na farko: Mutum ya bai wa wani bashin 1,000 sai yace masa idan ya tashi dawo masa da kuɗin sa zai bashi 1,100. Wannan Haramun ne.
Misalin na biyu: Mutum ya bada shinkafa a bashi alkama. Amma ya miƙa shinkafar sai ace masa sai zuwa nan gaba za’a bashi alkamar. Wannan Haramun ne.
Na biyu akwai Ribal Fadli(Riban Ƙari): Shine ayi ƙari kan jinsin abu guda idan za’ayi canji a tsaƙanin su.
Misali: Kaman mutum ya bada zinari 1 Gram a bashi zinari 1.1 Gram. ko Mutum ya bada shinkafa Mudu biyu a bashi mudu biyu da rabi. Shima wannan Haramun ne.
Ribar da tafi yaɗuwa a wannan zamani shine ribar Jahiliyya na Nasi’ Wanda za’a baiwa mutum bashi sai a ƙara masa kuɗi a kai. Abinda aka fi sani da kuɗin ruwa. Irin loan da ake bayar wa a bankuna sai a sanya interest akai. Wannan Haramun ne baya Halatta Musulmi yayi irin wannan Mu’amala.
Dalilan Haramcin Riba
Allah maɗaukakin sarki yace:
Lallai wa’inda suke cin riba bazasu tashi ba ranar tashin Alƙiyama sai kaman yadda wa’inda Shaiɗan ya bugesu, hakan ya same su ne saboda sunce Ai kasuwnci kaman riba ne.
Suratul Baqara: 275
Wannan Ayah tana nuna haramcin cin riba. Kuma mai cin riba zai tashi a gigice ranan Tashin Alƙiyama yana tashiwa yana faɗuwa kamar yadda wanda aljani ya bige shi zai rinƙa yi.
Haka nan Allah yace:
Allah yana ɗebe albarkan riba, kuma yana ƙara Albarkar sadaƙoƙi.
Suratul Baqara: 276
Duk wani dukiya da mutum ya same shi ta riba to Allah na ɗebe masa albarka, ta yadda mai ita ba zai amfana da kuɗin ba, ko kuma kuɗin ma ya salwanta baki ɗaya sannan ranan tashin alƙiyama Allah ya kama shi.
Jabir Allah ya ƙara masa yarda yace Annabi Tsira da Amincin Allah su tabbata a gare shi yace:
Allah ya tsine wa mai cin riba da wanda yake bada shi, da mai rubuta wa da masu shaida. Dukkansu ɗaya suke
Sahih Muslim: 1598
Wannan yana daga cikin Hadisai da aka rawaito kan haramcin riba. Akwai wasu daban. Saboda haka ya wajaba ga Mutum Musulmi wanda yayi Imani da Allah da ranar ƙarshe ya guje wa cin Riba. Domin babu alheri acikin sa. Ya dogara ga Allah Allah zai sama mafita ta hanyar halal. Allah yace:
Duk wanda yaji tsoron Allah, Allah zai sanya masa mafita. Kuma zai azurtashi ta yadda baya tunani.
Suratut-Talaq: 2-3
Allah yasa mudace. Allah ya azurta mu da Halal ya Hanamu cin Haram.
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