It depends on what type of Islamic contract being used for that particular financing product....

For buying car usually hire purchase contract... Effectively the monthly installment you pay to bank is paying rental... For your usage of the car. When you finished paying installment, bank will transfer ownership of the car to you.

There is no such thing as interest when you keep money with Islamic banks, simply because contractually you are not lending your money to the bank. So when there's no lending and borrowing, there will be no interest.

Instead, any dividend Islamic banks gives you could be either
1) voluntary gift (without prior commitment) - if the underlying contract is wadiah

2) profit - if the underlying contract is sale

I'm actually trying to study islamic economics principles and have just passed the class for Dholim, Gharar n Riba

Hence the questions.

So pleases don't mind me asking.

Hire purchase means that the car was actually bought by the bank, right? After they buy it, then it is rented out to the client.

As for wadiah, the very mention of a "gift" in itself is already shady to me, based on this text (copied from my class material)

Keuntungan yang tidak disyaratkan tersebut diberikan sebelum hutang dilunasi, maka ini juga tidak
diperbolehkan, sekalipun atas nama hadiah, berdasarkan [I do apologize, I cannot paste the arabic text of the hadeeth here, somehow it gets corrupted] sabda Nabi صلى الله عليه وسلم:

َّ“Apabila seseorang di antaramu memberikan pinjaman, lalu yang menerima pinjaman memberikan hadiah
kepadamu atau meminta kamu untuk menaiki kendaraannya, maka janganlah engkau menaikinya dan jangan
terima hadiahnya. Kecuali pemberian hadiah tersebut telah berlangsung antara kamu dan dia sebelum engkau
memberi dia pinjaman.” [HR Ibnu Majah, dinyatakan hasan oleh Imam Suyuti]

Keyword here is pinjaman... Or qard
Whereas the akad or contract for our saving account is not qard. It's wadiah, not the same as qard.

Like they say, a rose by any other name is still a rose. There will come a time that khomr will be given (called) a different name so that it can be consumed by the people who are oblivious.

Point is... Whether or not it is qard or wadiah, we need to look at the essence of it, the fundamentals of the transaction.

In wadiah, you get back the item you give, not an equivalent/substitute. In qard, you can lend out your motorbike and the guy can return to you a similar/equivalent bike. In wadiah, it must be the same bike that is returned. In terms of money, it should be the same bank notes (same serial number).

Obviously, there are other related rules, but in this regard, to establish whether it is qard or wadiah, we can look at the object.

I quote below.

Syaikh Muhammad bin Shalih Al-‘Utsaimin rahimahullah ditanya, sebagian bank memberikan hadiah kepada nasabah yang cuma menyimpan uang saja tanpa ambil bunga, apakah hadiah tersebut boleh dimanfaatkan oleh nasabah?

Syaikh rahimahullah menjelaskan, “Engkau sudah tahu bahwa menyimpan beberapa dirham di bank itu bukan disebut wadi’ah (menitip), namun akad sejatinya adalah qardh (meminjamkan). Yang disebutkan oleh orang-orang bahwa akad tersebut adalah wadi’ah itu keliru. Jika engkau menyerahkan uang pada bank, apakah bank itu menjaga uang tadi sebagaimana adanya, sampai nanti diminta kembali juga bentuknya seperti itu ataukah bank menggunakan uang tadi terlebih dahulu? Tentu bank akan masukkan dalam tabungan dan akan menggunakannya. Kesimpulannya, hakikat akadnya itu qardh (meminjamkan), bukan wadi’ah (menitipkan). Kalau transaksinya adalah meminjamkan, maka orang yang memberikan pinjaman (kreditor) tidak boleh mengambil keuntungan sama sekali dari transaksi tersebut, tidak boleh menerima hadiah dan lainnya. Hadiah barulah bisa dimanfaatkan setelah utang itu lunas (selama bukan syarat yang ditetapkan di awal, pen.).



Sumber https://rumaysho.com/24234-titipan-dan-pinj...dan-ariyah.html

(note: I think "pen." at the end of the above quote is either the writer/penulis or translator/penerjemah. Who knows, not really familiar with these terminologies)

It is not the classical wadiah as in you keep your item with other person. It is wadiah yad damanah. This a contract introduced by scholars through their ijtihad. What does it mean?
-You intend to keep you money with the bank. This is wadiah part.
-At the same time you authorize bank to use your money, why? Because that's how banking system work, that's how the accounting, any money deposited will be put in pooled account.
-Due to the money being used, bank shall provide guarantee to return principal amount upon request (withdrawal)

What sheikh Utsaimin said is his ijtihad.... which one of so many other scholars ijtihad. You are free to follow which opinion you are comfortable with.

Kepada sape-sape yang sedang ataupun hendak qadha solat-solat yang telah tertiggal, ini ada app untuk keep track usaha anda.
Qadha Solat.

dalam syurga masih ada perhambaan ke ?

macam tak adil pulak. padahal kita tak minta diwujudkan pun. tapi selamanya terpaksa jadi hamba.

Dear brother, In Islam, we have to know that God is omnipotent, God is One, and we all submit to His will alone.

In this world, all of the creation belongs to Him alone. Therefore Paradise also is His creation. You can't suddenly be the creator in paradise, what logic is that? You will be rewarded with what your good deeds in this world. That's why paradise have levels. And the highest level is the one closest to Allah.

Even the last person to enter paradise will have 10 times the world in one hadith narration.


..He will be brought close to it, and when he draws close to it, he will hear the voices of the people of Paradise and will say, ‘O Lord, admit me therein.’ He will say: ‘O son of Adam, what will make you stop asking? Will it please you if I give you the world and as much again?’ He will say, ‘O Lord, are You making fun of me when You are the Lord of the Worlds?’

Ibn Mas’ood (the companion narrating this beautiful narration) smiled and said: Why don’t you ask me why I am smiling? They said: Why are you smiling? He said: This is how the Messenger of God, may the mercy and blessings of God be upon him, smiled and they (the companions around the Prophet) asked: Why are you smiling, O Messenger of God? He said: “Because the Lord of the Worlds will smile when he says, ‘are You making fun of me when You are the Lord of the Worlds?’ and (God) will say: ‘I am not making fun of you, but I am Able to do whatever I will.’”


Regarding your statement "tak minta diwujudkan", Actually we are the ones who asked , its just that we don't remember it.

Al-A'raf ayat 172

And ˹remember˺ when your Lord brought forth from the loins of the children of Adam their descendants and had them testify regarding themselves. ˹Allah asked,˺ “Am I not your Lord?” They replied, “Yes, You are! We testify.” ˹He cautioned,˺ “Now you have no right to say on Judgment Day, ‘We were not aware of this.’

We are the fools who opted to this test. Its just that we don't remember it.

Al Hasyr ayat 21

Had We sent down this Quran upon a mountain, you would have certainly seen it humbled and torn apart in awe of Allah. We set forth such comparisons for people, ˹so˺ perhaps they may reflect.

Even the mountains shudder on bearing this huge responsibility. Yet most mankind live their lives ever so foolishly.

This life is a test alone.

Al mulk 2

˹He is the One˺ Who created death and life in order to test which of you is best in deeds. And He is the Almighty, All-Forgiving.


Hope that answers your questions.

your answer is not related to a perfectly honest question.

those quran verses you showed are reminders for humans on earth. it has nothing to do with the nature of the afterlife.

if you love your creator, you want to meet your creator. you want to be a creator.

why do you need paradise, beer, or milk? because paradise, beer and milk are just another CREATION of his.

i want to meet my creator and become like him. is it too much to ask ? even Musa also have this wish before.

I don't think the prophet Musa wanted to become like God, though.

Anyway, there is, was, and ever will be only one god. So becoming like him is out of the question. God has the power to do anything, to create anything, while we can't do zilch. Who are we to ask to be elevated to godhood? Can't even get elevated to prophethood, has we lived in pre Muhammad (shallallaahu 'alayhi wasallaam) era. Best we can get is probably mukhlis, for which we really really need to step up our game.

you misunderstood the question. dont take offense.

i dont mean in this world. im talking about in paradise.

jika kita sudah mengenal kebenaran (Allah), maka kita haruslah mempunyai cita-cita untuk bertemu denganNya. dan jika kita benar cinta pada Allah, kita mahu bersatu denganNya.

jadi kenapa kita masih impikan syurga, sedangkan syurga adalah makhluk Allah juga?

Why do you want to bersatu with Allah ? What do you wsnt from that ? There can only be one Creator, and the rest are all creations.

kalau kita cintakan kekasih kita bukankah kita mahu bersatu dengannya ?

You get to see Allah in heaven, thats the most a lover of Allah can get, along with all the pleasures of paradise. But if you mean to be another God alongside Allah, that is impossible, and stop wishing for it. No matter how much you want it, there can only be one God.

why not?

we cant be a CREATOR in paradise ?

any dalil to support this ?

Why don't yoi ask HIM when you meet HIM instead of forcing us to give answer that only conforms to your satisfaction?

Everyone said "impossible" within our knowledge, and yet you want us to say "caaaaaaan".

this is just a simple Tauhid and epistemological discussion (Mantiq and Kalam).

i dont understand why everybody here seems to be offended?

this is the root of Islamic golden age. yet everybody here seem so clueless to the topic.

Fiqh-centric education have ruined muslims today.

Perhaps definitions are in order.

Let us understand what you mean by "CREATOR" and "become like him"

I am not offended in any way, btw... Can't really make it show through writing.

Dear brother, 1st of all, your fact on Musa was wrong. Study it correctly.

Musa was asking to see God, not to become Him. Nobody can become God. Its impossible. How could a creature become its creator? We are the created.

“Dan ketika Nabi Musa datang pada waktu yang Kami telah tentukan itu, dan Rabbnya berkata-kata dengannya, maka Nabi Musa berkata : “Wahai Rabbku! Perlihatkanlah kepada aku supaya aku dapat melihat-Mu.” Allah berfirman : “Engkau sama sekali tidak akan sanggup (tidak akan mampu) melihat Aku, tetapi pandanglah kepada gunung itu. Maka kalau ia (gunung itu) tetap berada di tempatnya (masih kekal tidak terusik), nescaya engkau akan dapat melihat Aku.” Setelah Rabbnya tajalli (menyata) kepada bukit itu, bukit itu hancur lebur dan Nabi Musa pun jatuh pengsan. Setelah ia sedar semula, berkatalah ia : “Maha Suci Engkau, aku bertaubat kepadaMu, dan akulah orang yang awal beriman.”

And brother, I don't know where you got the concept of "if you love someone, you want to be that person".

Nope, doesn't work that way.

The reminders on human on earth has everything to do with the afterlife. Just now you mentioned beer, milk, etc.

One example is beer. We don't consume beer or any alcoholic in this world so that we could drink it in the afterlife. This life is just a test. Consider it as a trial version. Paradise is only for those who pass the test. Why do you need em? yes , we don't need them in the afterlife. We are just going to consume it as pleasure.

There will be circulated among them a cup [of wine] from a flowing spring, White and delicious to the drinkers; No bad effect is there in it, nor from it will they be intoxicated. (Surah 37:45-47)

You cannot be God, but you can be close to Him in Paradise.

56:11
and the foremost ˹in faith˺ will be the foremost ˹in Paradise˺.
They are the ones nearest ˹to Allah˺,


Talking about paradise brother, no words could give justice to what it truly is.

Sahl bin Sa'd (May Allah be pleased with him) said:
I was in the company of the Prophet (ﷺ). He gave a description of Jannah and concluded with these words, "There will be bounties which no eye has seen, no ear has heard and no human heart has ever perceived."