{"id":286,"date":"2018-01-19T14:51:36","date_gmt":"2018-01-19T14:51:36","guid":{"rendered":"http:\/\/hizb.or.ke\/sw\/?p=286"},"modified":"2020-07-16T02:51:04","modified_gmt":"2020-07-16T02:51:04","slug":"kudhamini-deni-pamoja-na-fidia%e2%80%8e","status":"publish","type":"post","link":"https:\/\/hizbke.org\/sw\/kudhamini-deni-pamoja-na-fidia%e2%80%8e\/","title":{"rendered":"Kudhamini Deni Pamoja na Fidia\u200e"},"content":{"rendered":"

<\/span><\/p>\n

Jibu la Swali<\/strong><\/span>
\nKwa: Yusuf Abu Islam<\/strong><\/span><\/p>\n

Swali:<\/strong><\/span><\/p>\n

Assalamu Alaikum… Sheikh na Amiri wetu mpendwa<\/span><\/p>\n

Allah akuhifadhi kutokana na kila uovu na madhara, na akujaalie nusra katika ardhi hivi karibuni, InshaAllah.<\/span><\/p>\n

Swali hili ni la dharura. Mtu anadaiwa kiwango kikubwa cha pesa na kikundi cha wafanyi biashara. Mtu mwengine akajitolea kujadiliana na wafanyi biashara hao kuharakisha ulipaji wa haki zao (kabla ya muda wa malipo kufika) kutoka mfukoni mwake kwa sharti la kupunguzwa kwa thamani ya deni hilo. Kiasi kitakacho punguzwa hatimaye kitagawanywa, kwa kutolewa asilimia fulani, baina yake yeye mpatanishi na mwenye kudaiwa, yaani, kiwango kitakacho punguzwa kitakagawanywa baina ya mpatanishi na mwenye kudaiwa. Je hili linaruhusiwa? Allah akubariki na akusaidie katika mambo yako yote.<\/span><\/p>\n

Jibu:<\/strong><\/span><\/p>\n

Wa Alaikum Assalam Wa Rahmatullah Wa Barakatuhu<\/span><\/p>\n

Naelewa kutokana na swali lako kuwa unadaiwa na wafanyi biashara, na kwamba kuna mtu anataka kukusaidia kulipa deni hilo kwa wafanyi biashara hao kwa niaba yako, lakini ameweka sharti kuwa atakubaliana na wafanyi biashara hao kupunguza thamani ya deni hilo, na kuchukua sehemu ya kiwango hicho kilicho punguzwa, kwa mfano ikiwa deni ni 10000, atajadiliana nao walifanye kuwa 8000, na anataka kuchukua 1000 kutoka kwako, kwa mfano, yaani, nusu ya kiwango kilicho punguzwa kama fidia ya kulipa kwake deni hilo kwa niaba yako. Kwa maana nyengine, anataka kuwa mdhamini wako kwamba utalipa deni hilo, kwa hivyo analilipa kwa niaba yako kwa mkabala wa fidia kutoka kwako, ambayo ni asilimia ya kiwango kilicho punguzwa atakacho kipata kutoka kwa wafanyi biashara hao.<\/span><\/p>\n

Ikiwa ufahamu wangu ni sahihi, muamala huu haujuzu kwa sababu uhalisia wake ni mkataba wa dhamana (Ad-Dhamaan)<\/em> ambayo ni kudhamini malipo ya deni kwa niaba yako, na dhamana katika Uislamu ina masharti. Moja ya masharti haya ni kuwa dhamana haijuzu kuwa na fidia. Lakini katika hali yako, anataka kuwa mdhamini wako kwa mkabala wa fidia. Muamala huu katika hali hii haujuzu. Dalili ya dhamana yafafanua wazi wazi kuwa kuna uunganishaji wa dhima kwa dhima, na kwamba ni dhamana ya kudumisha haki ya dhima. Na iko wazi kuwa kuna mdhamini, mdhaminiwa, na mwenye kudhaminiwa kwa ajili yake. Ni wazi kuwa haihusishi mkabala wa chochote (fidia). Dalili hii ni yale yaliyo simuliwa na Abu Dawood kutoka kwa Jabir kwamba amesema:\u00a0 \u00a0<\/span><\/p>\n

\u00ab\u0643\u064e\u0627\u0646\u064e \u0631\u064e\u0633\u064f\u0648\u0644\u064f \u0627\u0644\u0644\u0651\u064e\u0647\u0650\u00a0<\/strong>e \u0644\u064e\u0627 \u064a\u064f\u0635\u064e\u0644\u0651\u0650\u064a \u0639\u064e\u0644\u064e\u0649 \u0631\u064e\u062c\u064f\u0644\u064d \u0645\u064e\u0627\u062a\u064e \u0648\u064e\u0639\u064e\u0644\u064e\u064a\u0652\u0647\u0650 \u062f\u064e\u064a\u0652\u0646\u064c \u0641\u064e\u0623\u064f\u062a\u0650\u064a\u064e \u0628\u0650\u0645\u064e\u064a\u0651\u0650\u062a\u064d \u0641\u064e\u0642\u064e\u0627\u0644\u064e \u0623\u064e\u0639\u064e\u0644\u064e\u064a\u0652\u0647\u0650 \u062f\u064e\u064a\u0652\u0646\u064c \u0642\u064e\u0627\u0644\u064f\u0648\u0627 \u0646\u064e\u0639\u064e\u0645\u0652 \u062f\u0650\u064a\u0646\u064e\u0627\u0631\u064e\u0627\u0646\u0650 \u0642\u064e\u0627\u0644\u064e \u0635\u064e\u0644\u0651\u064f\u0648\u0627 \u0639\u064e\u0644\u064e\u0649 \u0635\u064e\u0627\u062d\u0650\u0628\u0650\u0643\u064f\u0645\u0652 \u0641\u064e\u0642\u064e\u0627\u0644\u064e \u0623\u064e\u0628\u064f\u0648 \u0642\u064e\u062a\u064e\u0627\u062f\u064e\u0629\u064e \u0627\u0644\u0652\u0623\u064e\u0646\u0652\u0635\u064e\u0627\u0631\u0650\u064a\u0651\u064f \u0647\u064f\u0645\u064e\u0627 \u0639\u064e\u0644\u064e\u064a\u0651\u064e \u064a\u064e\u0627 \u0631\u064e\u0633\u064f\u0648\u0644\u064e \u0627\u0644\u0644\u0651\u064e\u0647\u0650 \u0642\u064e\u0627\u0644\u064e \u0641\u064e\u0635\u064e\u0644\u0651\u064e\u0649 \u0639\u064e\u0644\u064e\u064a\u0652\u0647\u0650 \u0631\u064e\u0633\u064f\u0648\u0644\u064f \u0627\u0644\u0644\u0651\u064e\u0647\u0650 <\/strong>e \u0641\u064e\u0644\u064e\u0645\u0651\u064e\u0627 \u0641\u064e\u062a\u064e\u062d\u064e \u0627\u0644\u0644\u0651\u064e\u0647\u064f \u0639\u064e\u0644\u064e\u0649 \u0631\u064e\u0633\u064f\u0648\u0644\u0650 \u0627\u0644\u0644\u0651\u064e\u0647\u0650\u00a0<\/strong>r \u0642\u064e\u0627\u0644\u064e \u0623\u064e\u0646\u064e\u0627 \u0623\u064e\u0648\u0652\u0644\u064e\u0649 \u0628\u0650\u0643\u064f\u0644\u0651\u0650 \u0645\u064f\u0624\u0652\u0645\u0650\u0646\u064d \u0645\u0650\u0646\u0652 \u0646\u064e\u0641\u0652\u0633\u0650\u0647\u0650 \u0641\u064e\u0645\u064e\u0646\u0652 \u062a\u064e\u0631\u064e\u0643\u064e \u062f\u064e\u064a\u0652\u0646\u064b\u0627 \u0641\u064e\u0639\u064e\u0644\u064e\u064a\u0651\u064e \u0642\u064e\u0636\u064e\u0627\u0624\u064f\u0647\u064f \u0648\u064e\u0645\u064e\u0646\u0652 \u062a\u064e\u0631\u064e\u0643\u064e \u0645\u064e\u0627\u0644\u064b\u0627 \u0641\u064e\u0644\u0650\u0648\u064e\u0631\u064e\u062b\u064e\u062a\u0650\u0647\u0650<\/strong>\u00bb.<\/span><\/p>\n

\u201cAlikuwa Mtume (saw) hamswalii mtu yeyote aliye kufa na huku ana deni juu yake. Ikaletwa maiti akauliza: Je, ana deni juu yake? (Watu) wakasema: ndiyo, dinar mbili. Akasema: mswalieni mwenzenu. Kisha Abu Qatadah al-Ansari akasema: dinar mbili hizo zitakuwa juu yangu ewe Mtume wa Allah. Mtume wa Allah (saw) akamswalia. Na pindi Allah alipomfungulia Mtume wake (saw), alisema: mimi ni aula kwa kila muumini kuliko nafsi yake, yeyote atakaye acha deni basi litakuwa juu yangu kulilipa na yeyote atakaye acha mali basi itakuwa ya warathi wake.”<\/strong><\/span><\/p>\n

Ni wazi katika Hadith hii kuwa Abu Qatada amejumuisha dhima yake na dhima ya maiti katika jukumu la haki ya kifedha anayodai mkopeshaji. Ni wazi kuwa dhamana hii inajumuisha mdhamini, mwenye kudhaminiwa, na wenye kudhaminiwa kwa ajili yake, na kwamba, dhamana ambayo wote wamekubaliana kwayo, inajifunga juu ya haki ya dhima pasi kuwepo mkabala (fidia). Hadith hii imejumuisha masharti ya uhalali wa dhamana, na vipengee vya mkataba wake.<\/span><\/p>\n

Hivyo basi, katika hali yako inajuzu kwa mtu huyo kuwa mdhamini wako kukulipia deni lako, na inajuzu kwake kukubaliana nawe (mwenye deni), lakini haijuzu kuchukua chochote kama mkabala, kwa hivyo haijuzu kwake kutaka chochote kama mkabala.<\/span><\/p>\n

Narudia tena ikiwa ufahamu wangu wa swali lako la juu ni sahihi: hili ndilo ninalo amini kuwa jibu la kadhia hii na Allah ni mjuzi zaidi, Mwenye hekima zaidi. Lakini ikiwa ufahamu wangu wa swali lako si sahihi, nifafanulie zaidi ili nijaribu kujibu kwa uhalisia sahihi, Mwenyezi Mungu akitujaalia.<\/span><\/p>\n

 <\/p>\n

Ndugu yenu,<\/strong><\/span><\/p>\n

Ata Bin Khalil Abu Al-Rashtah<\/strong><\/span><\/p>\n

2 Jumada Al-Awwal 1439 H<\/span><\/p>\n

19\/1\/2018 M<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"Jibu la Swali Kwa: Yusuf Abu Islam Swali: Assalamu Alaikum... Sheikh na Amiri wetu mpendwa Allah akuhifadhi kutokana na kila uovu na madhara, na akujaalie nusra katika ardhi hivi karibuni, InshaAllah. Swali hili ni la dharura. Mtu anadaiwa kiwango kikubwa cha pesa na kikundi cha wafanyi biashara. Mtu mwengine akajitolea kujadiliana na wafanyi biashara hao [...]","protected":false},"author":2,"featured_media":185,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-286","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ameer-suali-na-jawabu"],"yoast_head":"\nKudhamini Deni Pamoja na Fidia\u200e - Hizb ut Tahrir Kenya<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hizbke.org\/sw\/amp\/kudhamini-deni-pamoja-na-fidia\u200e\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kudhamini Deni Pamoja na Fidia\u200e - Hizb ut Tahrir Kenya\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hizbke.org\/sw\/amp\/kudhamini-deni-pamoja-na-fidia\u200e\/\" \/>\n<meta property=\"og:site_name\" content=\"Hizb ut Tahrir Kenya\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/OfisiyahabariHtKenya\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-01-19T14:51:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-16T02:51:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hizbke.org\/sw\/wp-content\/uploads\/2018\/05\/Debt_Guarantee.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"292\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"hizbk@sw\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@HT_KENYA\" \/>\n<meta name=\"twitter:site\" content=\"@HT_KENYA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"hizbk@sw\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/hizbke.org\\\/sw\\\/amp\\\/kudhamini-deni-pamoja-na-fidia%e2%80%8e\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/hizbke.org\\\/sw\\\/amp\\\/kudhamini-deni-pamoja-na-fidia%e2%80%8e\\\/\"},\"author\":{\"name\":\"hizbk@sw\",\"@id\":\"https:\\\/\\\/hizbke.org\\\/sw\\\/#\\\/schema\\\/person\\\/d2d62911aca652da5fd716ac5775d47c\"},\"headline\":\"Kudhamini Deni Pamoja na Fidia\u200e\",\"datePublished\":\"2018-01-19T14:51:36+00:00\",\"dateModified\":\"2020-07-16T02:51:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/hizbke.org\\\/sw\\\/amp\\\/kudhamini-deni-pamoja-na-fidia%e2%80%8e\\\/\"},\"wordCount\":618,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/hizbke.org\\\/sw\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/hizbke.org\\\/sw\\\/amp\\\/kudhamini-deni-pamoja-na-fidia%e2%80%8e\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/hizbke.org\\\/sw\\\/wp-content\\\/uploads\\\/2018\\\/05\\\/Debt_Guarantee.jpg\",\"articleSection\":[\"Ameer Suali na Jawabu\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/hizbke.org\\\/sw\\\/amp\\\/kudhamini-deni-pamoja-na-fidia%e2%80%8e\\\/\",\"url\":\"https:\\\/\\\/hizbke.org\\\/sw\\\/amp\\\/kudhamini-deni-pamoja-na-fidia%e2%80%8e\\\/\",\"name\":\"Kudhamini Deni Pamoja na Fidia\u200e - 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