Hukuncin Cashback Da Mobile Bank Kamar Opay Ke Bayarwa

𝐓𝐀𝐌𝐁𝐀𝐘𝐀❓

Assalamualaikum akaramakallahu barka da wannan lokaci. Dan Allah ina da tambayata game da Cashback da mobile bank irin su Opay suke bayar wa, Shin mine ne hukuncin wannan kuɗin?

𝐀𝐌𝐒𝐀❗️

Wa alaikumus salam wa rahmatullahi wa barakatuh.

Game da cashback da manhajojin banki ko mobile wallet kamar OPay suke bayarwa, hukuncinsa ya danganta ne da dalilin da yasa aka bayar da cashback ɗin da kuma yadda tsarin yake aiki. Idan OPay ko wani mobile bank ya ce, misali, idan ka biya kaya ko wani service ta hanyar app ɗinmu, zamu dawo maka da 5% ko 10%”, kuma wannan kuɗin kyauta ne ko rangwame ne saboda amfani da service ɗinsu, ba wai riba ce saboda ka ajiye musu kuɗi ko ka basu rance ba, to wannan cashback ya halatta a karɓa kuma a yi amfani da shi.

Malaman fiƙihu sun bayyana irin wannan cashback a matsayin hibah kyauta ko rangwame. Misali, wata fatawa ta musamman kan mobile banking ta ce idan banki ya ba mutum cashback domin ya ƙarfafa amfani da mobile banking, kuma cashback ɗin yana zaman kansa daga ciniki, to kyauta ce kuma ya halatta.

Amma akwai wani muhimmin bambanci da zan yi Karin bayani akai: idan cashback ɗin an ba kane saboda ka ajiye kuɗinka a wallet account ɗin su, ko suka ce ka saka ₦Z a account ɗinka, zamu ƙara maka ₦Y”, to wannan yana buƙatar taka-tsantsan sosai.

A fiƙihu, kuɗin da mutum ya ajiye a irin wannan account na iya ɗaukar matsayin rance ga kamfanin, saboda haka idan aka sharɗanta maka wata ƙarin fa'ida saboda wannan kuɗin, zai iya shiga cikin riba, domin ka basu kuɗi sannan aka tabbatar maka da ƙarin amfani saboda wannan kuɗin. Wannan shi ne dalilin da yasa wasu malamai suka bambanta tsakanin cashback na siyan kaya/biya ta app da cashback na ajiya ko loading money.

Haka nan idan cashback ɗin yana zuwa ne saboda kayi ciniki na halal misali ka sayi kaya ₦100,000, sai app ɗin ya dawo maka da ₦5,000 saboda promotion wannan yafi kama da rangwame discount kuma ya halatta, matuƙar babu wani abu na haram a cikin tsarin.

Wasu fatawowi sun bayyana cashback na online purchases da e-wallets a matsayin rangwame da aka halatta amfani da shi.

Dalilin da yasa ba zamu kira kowane cashback da riba ba shi ne cewa riba tana da alaƙa da ƙarin da aka sharɗanta a cikin mu'amalar rance. Allah ﷻ ya ce:

وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا

Allah Ya halatta ciniki, kuma Ya haramta riba.” (Suratul Baƙarah ayata 275).

Don haka abin dubawa shi ne: me ya jawo cashback ɗin? Idan ciniki ne, promotion ne, ko kyauta ce domin amfani da service, asali halal ne; idan rance/ajiya ce aka sharɗanta maka ƙarin kuɗi saboda ita, wannan shi ne abin da ya kamata a guje masa.

Saboda haka, ba za a ce duk cashback na OPay haramun ba, kuma ba za a ce dukkaninsa halal ne ba. Idan cashback ɗin da kake nufi shi ne wanda OPay ke bayarwa saboda transfer, payment, purchase, airtime, ko wani promotion, ba wai saboda sun karɓi kuɗinka a matsayin rance ba, to ya halatta ka karɓa kayi amfani da shi, in babu wani haram a cikin transaction ɗin. Amma idan cashback ɗin yana da alaƙa kai tsaye da ajiya/loan/deposit, ko akwai wani tsarin riba a ciki, to kada a yi amfani da shi sai an tabbatar da tsarin.

WALLAHU A'ALAM

Zauren Fatawoyi Bisa Alkur'ani Da Sunnah.

 ﺳُﺒﺤَﺎﻧَﻚَ ﺍﻟﻠَّﻬُﻢَّ ﻭَﺑِﺤَﻤْﺪِﻙَ ﺃﺷْﻬَﺪُ ﺃﻥ ﻟَﺎ ﺇِﻟَﻪَ ﺇِﻻَّ ﺃﻧْﺖَ ﺃﺳْﺘَﻐْﻔِﺮُﻙَ ﻭﺃَﺗُﻮﺏُ ﺇِﻟَﻴْﻚ

WALLAHU A'ALAM.

https://t.me/TambayaDaAnsa

𝐖𝐇𝐀𝐓𝐒𝐀𝐏𝐏👇

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