Kafalah - Appendices

Transcription

1. Kafalah 17 of 18 APPENDICES APPENDIX 1 1 . Legitimacy of kafalah The legitimacy of the kafalah contract is derived from the Quran and founded on the Sunnah of Prophet Muhammad (peace be upon him) and the consensus of the muslim jurists (ijma`). The Quran 2. The following verse of the Quran implies the permissibility of the kafalah contract: [The officials] said, "We are missing the king's goblet.” [And their chief added], "He who brings it shall have a camel-load of provisions; I personally guarantee it."8 The Sunnah of Prophet Muhammad (peace be upon him) 3. The following hadith implies the permissibility of kafalah. ‫ فأيت‬،‫ كان رسول اهلل صلى اهلل عليه وسلم ال يصلي على رجل مات وعليه دين‬:‫ قال‬،‫عن جابر‬ ‫ فقال أبو قتادة‬.‫ صلوا على صاحبكم‬:‫ قال‬،‫ ديناران‬،‫ نعم‬:‫ أعليه دين؟ قالوا‬:‫ فقال‬،‫مبيت‬ .‫ فصلى عليه رسول اهلل صلى اهلل عليه وسلم‬:‫ قال‬.‫ مها علي يا رسول اهلل‬:‫األنصاري‬ Jabir narrated: The Messenger of Allah (peace be upon him) would not perform funeral prayer over a person who died while a debt was due from him. The body of a Muslim was brought to him, and he asked: “Is there any debt due from him?” [The companions] said: “Yes, two dinars.” He said: “Pray over your companion [as he has unpaid debt].” Then Abu Qatadah al-Ansari said: “I shall pay them, Messenger of Allah.” The Messenger of Allah (peace be upon him) then prayed over him."9 Consensus of the Muslim jurists (Ijma’) 4. The Muslim jurists have reached ijma` on the permissibility of kafalah in general, as cited by Ibn Qudamah10. 8 Surah Yusuf, verse 72. Abu Daud, Sunan Abi Daud, hadith no. 3343. 10 Ibn Qudamah, Al-Mughni, 4:400. 9 Issued on: 13 April 2017 BNM/RH/PD028-4
2. Kafalah APPENDIX 2 18 of 18 Glossary For the purpose of this policy , the following terms shall have the following definitions: Terms Definition Dayn lazim A legally binding debt Ibra’ Rebate Ijma` Consensus of Muslim jurists Kafalah al-`ayn Guarantee of a physical asset Kafalah al-dayn Guarantee of a debt liability Kafalah bi al-mal Financial guarantee Kafil Guarantor Makful `anhu Makful lahu The guaranteed party who is a debtor or a party guaranteed by the guarantor The beneficiary who is a creditor or a party who has the right to claim the liability (debt) from the guaranteed party (makful `anhu) or the guarantor (kafil) Ma ya’ul ila luzum A debt that will become legally binding in the future Muqassah Offsetting Tabarru`at Benevolent `Urf Wa`d Issued on: 13 April 2017 Common business practice which is acceptable by the community and does not contradict the Shariah rulings Promise or undertaking BNM/RH/PD028-4