Similar to when the front desk product launch M-Dinar Dinar so many readers who responded in a short time, the new product front Dinar result of a collaboration between the BMT Daarul Muttaqiin that we could not even give it a name that still use the generic name Loans Without Charges - also get a response enthusiastic than a lot of visitors GeraiDinar.
Because in addition to the support, the response of visitors is also more of a question - so in this paper I will try to explain more about this product.
When we initiated the establishment of a BMT which we named Daarul Muttaqiin BMT, the basic idea was to give solution to one of the fundamental problems of race that is not enough availability of the Islamic way out, free of usury, etc. free loan sharks. when people are faced with an urgent need for funds.
Then we present BMT Daarul Muttaqiin which is expected to really balance between function Baitul Maal (Social) and the function Baitut Tamwil (Commercial). Loans Without Charges are one product of the activity of Baitul Maal - which indeed we do not seek to profit from this product.
The first question is why still use the warranty if you do not seek profit from this product?.
1) guarantee or collateral is unlawful in syar'i as the verse "And if you're on the way are you not getting a clerk then let mortgage held there goods ...". (Surah 2: 283).
Paragraph is also consistent with some of the saheeh hadeeth include "Verily the Prophet Muhammad never buy food with debt from a Jew, and a Prophet mortgaged his armor to him." (Narrated by Bukhari and Muslim).
Based on the above verses and hadith is the fatwas DSN - MUI also allows the guarantee is good on the loan agreement (Al-Qard) or contract liens (Rahn).
2) With the guarantee as good as or even better then cash the gold dinar in sufficient amounts, the risk of unpaid accounts receivable to be very, very small. Funds available for Loans Without Charges will be able to survive or even grow in a sustainable.
The second question is the existence of this guarantee means that people who so desperately need but do not have a dinar for collateral - could not obtain loans from BMT Daarul Muttaqiin?.
We have own solutions to this is by Kafalah. For those who need a loan but does not have its own dinars to find someone else who has the dinar and would be Kafiil or guarantor on loans submitted to us.
Terms of Kafiil are people who really know the prospective borrower that he was willing to risk - if the borrower fails to pay its debts, owned Kafiil Dinar these dependents.
If the need does not have a dinar and can not get someone who is willing to become his Kafiil, then what's the solution?. We must honestly say that this is still beyond our ability to help him.
But we have a suggestion for this, that is relevant to congregational life - to know and hang out with as much as possible the pious brethren around him through the routine prayers at mosques, one of them - then God willing at the time there is a problem there will always be a way out.
The third question is then how BMT Daarul Muttaqiin will grow and develop, if he did not get anything from products Loans Without this expense?.
Loans Without Charges only one product Baitul Maal - BMT Daarul Muttaqiin; of course we also have many other products for commercial purposes such as contract agreement Mudharabah, Mudharabah and various other products Baitut Tamwil. Of commercial products is God willing this will grow TMB.
Indeed we expect the model Loans Without this expense can walk and be one solution to the problems of the people, of course we also want to get a reward from Allah alone as promised in the hadith, which I quoted at the beginning of this paper.Amen.
