32. Rance/ Tsare Dukiya (Rahn)
32. Mortgage/ Pledging Security
Alkawari a harshen Larabci yana nufin tabbatuwa da dorewa, kuma wasu sun ce yana nufin ɗaurewa. Allah (SWT) ya ce
The pledge in the language means certainity and persistence, and some also referred it to mean confinement. Allah (swt) said
Kowane mutum yana cikin ƙwace saboda abin da ya tara (kasaba). [TMQ 52:21]
“Each person is a pledge over what he acquired (kasaba)” [TMQ 52:21]
Da kuma:
And:
Kowane rai yana cikin garkuwa saboda abin da ya tsiyaya (kasaba) [TMQ 74:38]
“Each soul is a pledge over what he acquired (kasaba)” [TMQ 74:38]
i.e. an iyaka. Alƙawari a Shari'a shi ne dukiyar da ake bayarwa a matsayin tabbaci ga bashi, don a biya daga farashinta idan wanda ake bin sa ya kasa biya. Yana da izini, kuma yana cikin mu'amalolin da Shari'a ta halatta. Dalilinsa shi ne Littafi da Sunnah. Allah (SWT) ya ce:
i.e. restricted. The pledge in Shar’a is the property which is given as security for the debt so as to pay from its price if the one upon whom it is due finds it impossible to pay it. It is permitted and among the transactions which the Shar’a permitted. Its evidence is the Book and Sunnah. Allah (swt) said:
"Kuma idan kuna cikin tafiya kuma ba ku sami marubuci ba, to a karɓi jinginar kaya (ɗaukar alkawari a ba da wani abu a matsayin tabbaci)."
“And if you are travelling and cannot find a writer, then let there be a pledge taken (mortgaging)” [TMQ 2:283].
Al-Bukhari ya ruwaito daga Aisha, Uwar muminai,
Al-Bukhari narrated from Aisha, the mother of the believers,
Cewa Annabi ﷺ ya sayi abinci daga wani Bayahude da bashi na wani lokaci, kuma ya ba shi rigar ƙarfe a matsayin rikon amana.
“That the Prophet (saw) bought food from a Jew for a (deferred) period and pledged an iron coat of armour to him.”
Kuma At-Tirmidhi ya ruwaito daga Ibn Abbas, wanda ya ce:
And At-Tirmidhi narrated from ibn Abbas who said:
Manzon Allah ﷺ ya rasu alhali an rike rigar yakinsa a matsayin jingina don sha biyu... Bari in fassara daidai: Annabi ﷺ ya rasu, kuma an rike rigar yakinsa a matsayin jingina saboda sa'a ashirin (sa'a) na abinci da ya karba don iyalansa.
“The Prophet (saw) died and his coat of armour was pledged for twenty (sa’a) of food which he took for his family.”
Al-Bukhari ya ruwaito daga Ibn Abbas (ra) wanda ya ce:
And Al-Bukhari narrated from ibn Abbas (ra) who said:
Annabi ﷺ ya yi alkawarin rigar yaƙinsa a Madina ga wani Bayahude, sannan ya karɓi sha'ir daga gare shi domin iyalinsa.
“The Prophet (saw) pledged a coat of armour of his in Madinah to a Jew and he took barley from him for his family.”
Alkawarin yana halatta a lokacin tafiya da kuma lokacin zama, domin kalmomin "idan kuna cikin tafiya" suna bayyana wani hali na gaske ne, ba takura ba bisa ga dalili.
The pledge is permitted in travel and when resident because the words “and if you are travelling” is explaining a situational reality and is not a restriction by the evidence
Cewa Annabi ﷺ ya sayi abinci daga wani Bayahude har zuwa wani lokaci da aka ƙayyade, kuma ya ba shi rigar yaƙi ta ƙarfe a matsayin jingina.
“That the Prophet (saw) bought food from a Jew to a (deferred) period and pledged him an iron coat of armour”
Ya zo a cikin hadisi cewa Annabi ﷺ yana cikin Madina kuma bai yi tafiya ba. Ba a halatta rahani sai dai idan an yi shi a cikin wannan yarjejeniya guda, "rahani mai karbuwa." Bayanin mallakar da ake yi a cikin rahani shi ne cewa mai karba ya sanya hannunsa a kansa, ta yadda abin da ake iya motsawa za a kawo shi wurinsa. Amma abin da ba a iya motsawa, kamar gidaje da filaye, hannunsa yana kansa, watau mallakarsa yana samuwa ne ta hanyar da mai bayar da rahanin ya janye tsakaninsa da mai karba ba tare da wani shinge a gabansa ba. Ana halatta a wakilta wajen karbar rahani, sai wakilin ya karba ya tsaya a matsayinsa wajen karbar, da sauran hukunceninsa. Ana halatta rahani a cikin duk abin da aka halatta sayarwa. Duk abin da aka halatta sayarwa, ana halatta yin rahani da shi, domin manufar rahani ita ce tabbatar da bashi domin a biya shi daga farashin rahanin idan ba zai yiwu a biya shi daga iyawar mai bayarwa ba. Ba a halatta rahani a cikin abin da ba a halatta sayarwa ba, kamar barasa, gumaka, filaye da aka bayar a amana, abin da aka riga aka yi rahani da shi, da makamantan abubuwan da ba a halatta sayar da su ba.
While the Prophet was in Madinah and not travelling. The pledge is not permitted except when delivered during the same contract “a (maqbudha) pledge”. The description of the possession in the pledge is that he places his hand over it, so that which is moveable is transported to him. As for what is immovable like houses and land, his hand is upon it i.e. its possession is by its pledger withdrawing between it and the pledgee without any obstacle in front of him. It is permitted to delegate in taking possession of the pledge so the delegate’s taking possession stands in his place in his taking possession and the rest of its rules. The pledge is permitted in all that is allowed to sell. Everything permitted to sell is permitted to pledge because the objective of the pledge is to secure the debt to reach its payment from the pledge’s price if it becomes impossible to pay it from the capability of the pledger. The pledge is not permitted in that which is not permitted to sell like alcohol, idols, land on trust, the pledged thing and similar things which are not permitted to be sold.