Inaruhusiwa kubadilisha sarafu ya Dola na sarafu za mataifa mengine, kama vile kubadilishana sarafu zilizotolewa na Dola yenyewe. Inaruhusiwa kwa kiwango cha ubadilishaji kati ya sarafu mbili kutofautiana, mradi sarafu hizo ni tofauti na zenyewe. Hata hivyo, miamala kama hiyo lazima ifanywe kwa mkono kwa mkono, na iwe ni muamala wa moja kwa moja usio na ucheleweshaji wowote. Kiwango cha ubadilishaji kinaweza kubadilika bila kizuizi chochote, mradi kiwe kati ya sarafu mbili tofauti. Raia wote wanaweza kununua sarafu wanayoihitaji kutoka ndani au nje ya Dola, na wanaweza kuinunua bila kupata ruhusa ya awali au kitu kama hicho.

It is permissible to have exchange between the State currency and the currency of other states like the exchange between the State’s own coinages. It is permissible for the exchange rate between two currencies to differ provided the currencies are different from each other. However, such transactions must be undertaken in a hand-to-hand manner and constitute a direct transaction with no delay involved. The exchange rate can fluctuate without any restriction as long as it is between two different currencies. All citizens can buy whatever currency they require from within or outside the State, and they can purchase the required currency without obtaining prior permission or the like.

Ushahidi wake ni maneno ya Mtume ﷺ:

Its evidence are the words of the Prophet :

.» وَبِيعُوا الذَّهَبَ بِالْفِضَّةِ وَالْفِضَّةَ بِالذَّهَبِ كَيْفَ شِئْتُمْ «.

.» وَبِيعُوا الذَّهَبَ بِالْفِضَّةِ وَالْفِضَّةَ بِالذَّهَبِ كَيْفَ شِئْتُمْ «.

“na uuze dhahabu kwa fedha na fedha kwa dhahabu upendavyo” (amepokea Al-Bukhari kutoka kwa Abu Bakra), na imepokewa kutoka kwa Malik bin Aws Al-Hadathan kwamba alisema: “Nilikuja nikisema: ni nani yuko tayari kubadilishana Dirham (kwa ajili ya dhahabu yangu)? Ndipo Talha bin Ubaidullah (alipokuwa ameketi pamoja na Umar bin Al-Khattab) akasema: Tuonyeshe dhahabu yako kisha njoo kwetu (wakati mwingine). Mtumishi wetu atakapokuja tutakupa fedha yako.” Hapo Umar bin Al-Khattab (ra) akasema: Hasha! Wallahi (swt), ama umpe fedha yake, au umrudishie dhahabu yake, kwa kuwa Mtume wa Allah ﷺ alisema:

“and sell gold for silver and silver for gold as you please” (reported by Al-Bukhari from Abu Bakra), and it is reported from Malik b. Aws Al-Hadathan that he said: “I came saying who was prepared to exchange Dirhams (for my gold), whereupon Talha b. Ubaidullah (as he was sitting with 'Umar b. Khattib) said: Show us your gold and then come to us (at a later time). When our servant would come we would give you your silver. Thereupon 'Umar b. Al-Khattib (ra) said: Not at all. By Allah (swt), either give him his silver, or return his gold to him, for Allah (swt)'s Messenger (pbuh) said:

"Kubadilishana fedha kwa dhahabu ni riba, isipokuwa ikiwa ni papo hapo (mkono kwa mkono)." Imepokelewa na Muslim.

.» الْوَرِقُ بِالذَّهَبِ رِبًا إِلَّا هَاءَ وَهَاء «. Exchange of silver for gold is interest (usury) except when (it is exchanged) on the spot (hand to hand).” (reported by Muslim).

Imepokewa kwamba Al-Bara’ b. ‘Azib na Zayd Bin Arqam walikuwa washirika, na hivyo walinunua fedha kwa fedha taslimu na kwa malipo ya baadaye, na Mtume wa Allah ﷺ aliposikia jambo hili aliwaamuru kwa maneno haya:

It is reported that Al-Bara’ b. ‘Azib and Zayd Bin Arqam used to be partners, and so they bought silver for money and a deferred payment, and when the Messenger of Allah (pbuh) heard about this he ordered them with the words:

. » أَنَّ مَا كَانَ بِنَ قْدٍ فَأَجِيزُوهُ، وَمَا كَانَ بِنَسِيئَةٍ فَ رُدُّوه «.

. » أَنَّ مَا كَانَ بِنَ قْدٍ فَأَجِيزُوهُ، وَمَا كَانَ بِنَسِيئَةٍ فَ رُدُّوه «.

"Kila kitu kinachonunuliwa kwa fedha taslimu kinaruhusiwa, na kile ambacho ni malipo ya kuchelewesha lazima kirudishwe (kikataliwe)." Imepokelewa na Ahmad kutoka kwa Abu Al-Minhal, na Al-Bukhari amepokea kutoka kwa Sulaiman Bin Abi Muslim aliyesema: "Nilimuuliza Abu Al-Minhal kuhusu ubadilishanaji wa fedha kwa mkono kwa mkono. Akasema: 'Mimi na mshirika wangu tulinunua kitu kwa sehemu kwa fedha taslimu na sehemu kwa mkopo.' Al-Bara' b. 'Azib alipita karibu nasi, nasi tukamuuliza kuhusu hilo. Akajibu: 'Mimi na mshirika wangu Zayd Bin Al-Arqam tulifanya hivyo hivyo, kisha tukaenda kwa Mtume ﷺ na kumuuliza kuhusu hilo. Akasema:"

“Whatever is paid by money is permitted, and whatever is a deferred payment must be returned (rejected).” reported by Ahmad from Abu Al-Minhal, and Al-Bukhari reported from Sulaiman Bin Abi Muslim who said: “I asked Abu Al- Minhal about money exchange from hand to hand. He said: “I and a partner of mine bought something partly in cash and partly on credit.” Al-Bara’ b. ‘Azib passed by us and we asked about it. He replied: “I and my partner Zayd Bin Al-Arqam did the same and then went to the Prophet and asked him about it. He said:

.» أَنَّ مَا كَانَ بِنَ قْدٍ فَأَجِيزُوهُ، وَمَا كَانَِ نَسِيئَةً فَ رُدُّوه «.

.» أَنَّ مَا كَانَ بِنَ قْدٍ فَأَجِيزُوهُ، وَمَا كَانَِ نَسِيئَةً فَ رُدُّوه «.

"Kila kitu kinacholipwa kwa fedha taslimu kinaruhusiwa, na kila kitu ambacho ni malipo ya baadaye lazima kirudishwe (kikataliwe)." Kwa maneno mengine, walikuwa wafanyabiashara wa sarafu. Riwaya hizi ni ushahidi wa kuruhusiwa kubadilishana sarafu, na hili linaweza kufanyika katika miamala ya ndani pamoja na miamala ya kimataifa. Kwa hiyo, kama dhahabu ya sarafu moja inavyoweza kubadilishwa kwa fedha yake na kinyume chake, vivyo hivyo fedha ya kigeni inaweza kubadilishwa kuwa fedha ya ndani, bila kujali kama hilo limefanyika ndani ya nchi au nje ya nchi. Na pale sarafu mbili tofauti zinapobadilishwa, kuna tofauti kati yake inayoitwa kiwango cha ubadilishaji. Kiwango cha ubadilishaji ni uwiano kati ya uzito wa dhahabu safi katika sarafu ya taifa moja na uzito wa dhahabu safi katika sarafu ya taifa jingine. Kwa sababu hii, kiwango cha ubadilishaji kitabadilika kulingana na mabadiliko ya uwiano huu na kulingana na mabadiliko ya bei ya dhahabu katika nchi husika.

“Whatever is paid by money is permitted, and whatever is a deferred payment must be returned (rejected). ””; in other words, they were currency traders. These narrations are evidence for the permissibility of currency exchange, and this can take place in domestic transactions as well as foreign transactions, so just as the gold of a currency can be exchanged for its silver and vice versa, in the same way foreign money can be exchanged for local money, irrespective of whether that was done domestically or outside the country, and when two different currencies are exchanged there is a difference between them called the exchange rate. The exchange rate is the proportion between the weight of pure gold in the currency of a state and the weight of pure gold in the currency of another state. For this reason, the exchange rate will change according to the change in this proportion and according to the change of price of gold in the countries.

Kanuni za ubadilishanaji kati ya dhahabu na fedha zinatumika pia kwa noti za karatasi za kisasa kwa sababu Illah (fedha na thamani) zipo ndani yake kutokana na sheria ya Dola inayofunga miamala ya kifedha nayo. Hii ni kwa sababu hadithi zinazohusu ubadilishanaji zinasimulia kuhusu dhahabu na fedha zilizopigwa sarafu kama majina ya jinsi moja, ambayo haina maana inayotokana nayo wala kufanywa kwake mfano wa kulinganisha, na vivyo hivyo hadithi zilikuja kuhusu sarafu za Dinari na Dirhamu, na kutokana na hili Illah ya fedha inaweza kutolewa, yaani matumizi yake kwa bei na ujira, hivyo mfano unaweza kufanywa kutoka hapo. Basi katika hadithi ya Malik bin Aws iliyotajwa awali alikuwa akibadilisha Dirhamu, na Dirhamu ni neno linalofahamika kama fedha. Hivyo basi, chochote kinachotumika kwenye ubadilishanaji wa dhahabu na fedha kwa upande wa yanayoruhusiwa na yasiyoruhusiwa, kinatumika pia kwenye ubadilishanaji wa sarafu ya kifiat kulingana na sheria za kisasa za nchi, yaani ubadilishanaji wa jinsi moja lazima ufanyike papo hapo na kwa kiasi sawa, na ubadilishanaji wa aina mbili tofauti lazima ufanyike papo hapo, lakini bei kati ya hizo mbili inaweza kuwa kama utakavyo.

The rules of exchange between silver and gold apply to contemporary paper money because the Illah (money and value) are present in it due to law of the State binding monetary transactions with it. That is because the narrations regarding exchange are reported to do with minted gold and silver as names of a genus, which has no understanding derived from it nor is any analogy made to it, and in the same manner the reports came to do with Dinar and Dirham coinage, and from this the Illah of money can be derived, in other words, its use for prices and wages, and so analogy can be made from that. So in the narration of Malik b. Aws mentioned previously he used to exchange Dirhams, and Dirhams is a word which is understood as money. And so accordingly whatever is applied to the exchange between gold and silver in terms of what is permitted and prohibited is applied to exchange between fiat currency according to the contemporary laws of states, in other words, the exchange between one genus must be exchanged on the spot and in equal amounts, and exchange between two different types must be done on the spot, but the price between the two can be as you please.

Hukumu ya Sharia kuhusu kiwango cha ubadilishaji wa fedha ni kwamba inaruhusiwa, na haizuiwi na kitu chochote, kwa kuwa ubadilishaji wa sarafu unaruhusiwa, na hivyo kwa mujibu wa hilo bei ya ubadilishaji (kiwango cha ubadilishaji) inaruhusiwa. Kwa hiyo, mtu yeyote anaweza kununua sarafu anayoitaka kwa bei anayoitamani, na yote hayo yanaangukia chini ya ruhusa ya ubadilishaji.

The Shari’ah rule regarding exchange rate is that it is permitted, and is not restricted by anything, since currency exchange is permitted, and so accordingly the price of exchange (exchange rate) is permitted. Hence, anyone can buy a currency which he wants according to the price which he desires, and all of that falls under the permissibility of exchange.

Hii ni dalili ya makala hii juu ya kuruhusiwa kwa ubadilishaji wa sarafu, na kuruhusiwa kwa bei yake kubadilika-badilika.

This is the proof of this article for the permissibility of currency exchange, and the permissibility for its price to fluctuate.