Wa Yake Da Alhakin Biyan Mai POS Kuɗin Caji?

𝐓𝐀𝐌𝐁𝐀𝐘𝐀❓

Assalamu Alaikum malam. An wuni lafiya. Tambayata ita ce: Misali, mun yi ciniki da wata, zan sayar mata da kaya a kan ₦20,000. Na ba ta account number domin ta turo min kuɗin. Sai wayarta ta samu matsala, saboda haka sai ta je wajen mai POS, aka cire kuɗin daga ATM ɗinta aka turo min. Amma aka turo min ₦19,700, saboda wai mai POS ya cire ₦300 a matsayin kuɗin caji.

Yanzu wa yake da alhakin biyan wannan ₦300? Ni ce zan biya mai POS ɗin ko ita ce? Domin mun riga mun yi yarjejeniya cewa za ta sayi kayan a ₦20,000. Kuma shin wannan cinikin ya inganta?

WA YAKE DA ALHAKIN BIYAN MAI POS KUƊIN CAJI?

𝐀𝐌𝐒𝐀❗️

Wa alaikumus salam wa rahmatullahi wa barakatuh. Alhamdulillah, muna lafiya. Allah Ya saka da alheri, Ya sanya albarka a cikin harkokin kasuwanci.

Amsar ita ce: idan yarjejeniyar da kuka yi ita ce za ta biya ki ₦20,000 a matsayin cikakken farashin kayan, to ita ce ke da alhakin tabbatar da cewa kin karɓi cikakken ₦20,000.

Kuɗin da mai POS ya cire a matsayin kuɗin sabis ba ya canza farashin kayan da kuka riga kuka yi yarjejeniya a kansa. A wannan misalin, farashin kayan shi ne ₦20,000, yayin da ₦300 kuma kuɗin sabis ne da mai POS ya karɓa saboda aikin da ya yi mata. Don haka, idan ba a yi wata yarjejeniya dabam ba, wannan kuɗin caji yana kanta ne, ba a kan mai sayar da kayan ba.

Saboda haka, idan ta biya ta hanyar POS aka turo miki ₦19,700 kawai, ba za a ce ta biya cikakken farashin kayan ba. Har yanzu akwai ragowar ₦300 da take bin ki, sai dai idan ke da yardarki kin amince cewa ₦19,700 ne za ki karɓa a matsayin cikakken farashin kayan.

Misali, idan kin ce: “Kayan ₦20,000 ne, amma idan kika biya ₦19,700 saboda kuɗin POS, zan yafe miki sauran ₦300,” to babu matsala. A nan kin yafe mata bashin ₦300 da yardarki. Amma idan ba ki amince da hakan ba, ba ta kammala biyan kuɗin kayan ba.

Allah Maɗaukakin Sarki Ya ce:

﴿يَا أَيُّهَا الَّذِينَ آمَنُوا أَوْفُوا بِالْعُقُودِ﴾

Transliteration:
Yā ayyuhal-ladhīna āmanū awfū bil-ʿuqūd.

English translation:
“O you who believe, fulfil the contracts.”

(Surah Al-Mā’idah, 5:1)

Wannan aya tana nuna muhimmancin cika yarjejeniyoyi da aka yi tsakanin mutane, matuƙar yarjejeniyar ba ta ƙunshi abin da Shari'a ta haramta ba.

Haka kuma, Allah Ya ce:

﴿وَلَا تَبْخَسُوا النَّاسَ أَشْيَاءَهُمْ﴾

Transliteration:
Wa lā tabkhasun-nāsa ashyā’ahum.

English translation:
“And do not deprive people of their due.”

(Surah Hūd, 11:85)

Saboda haka, idan mai sayarwa ya ce farashin kaya ₦20,000, ba daidai ba ne a rage mata ₦300 ba tare da yardarta ba, domin kuɗin POS ba ya zama wani ɓangare na farashin kayan kai tsaye.

Shin cinikin ya inganta?

Eh, cinikin ya inganta, idan an samu yarjejeniya a kan kayan da farashinsu da kuma sauran sharuɗɗan cinikin, kuma kayan sun kasance halal ne. Kasancewar mai saye ta yi amfani da POS wajen biyan kuɗin ba ya lalata cinikin.

Abin da ya rage shi ne kawai cikakken biyan kuɗin da aka yi yarjejeniya a kai. Idan farashin ₦20,000 ne kuma an karɓi ₦19,700, to akwai ragowar ₦300. Mai saye za ta iya biya wannan ragowar daga baya, ko kuma mai sayarwa ta yafe idan ta ga dama.

Sai dai akwai wani muhimmin bayani: idan tun farko an yi yarjejeniya cewa mai saye za ta biya ₦20,000 kacal, amma duk wani kuɗin canja wurin ko caji da zai taso wajen biyan kuɗin za a cire shi daga cikin ₦20,000, to wannan wani sharaɗi ne daban kuma hukuncinsa zai danganta da abin da aka yi yarjejeniya a kai.

Amma a misalin da aka kawo, inda aka ce kawai “kayan ₦20,000 ne”, sannan mai saye ta zaɓi amfani da POS saboda matsalar wayarta, abin da ya fi bayyana shi ne cewa ₦20,000 ne cikakken farashin kayan; ₦300 kuma kuɗin sabis na POS ne da mai saye ta jawo saboda hanyar biyan kuɗin da ta zaɓa.

A taƙaice:

• Farashin kayan: ₦20,000.
• An turo wa mai sayarwa: ₦19,700.
• Kuɗin POS: ₦300.
• Mai alhakin wannan kuɗin caji: mai saye, idan ba a yi wata yarjejeniya dabam ba.
• Ragowar da mai saye take bin mai sayarwa: ₦300.
• Cinikin: ya inganta, muddin sauran sharuɗɗan cinikin sun cika.
• Idan mai sayarwa ta yafe ₦300 ko ta amince da ₦19,700 a matsayin cikakken farashi, to babu sauran bashi.

Don haka, ba wajibi ba ne mai sayarwa ta biya kuɗin POS saboda kawai an cire shi daga kuɗin da mai saye ta aika. Mai saye ce ta tabbatar da cewa mai sayarwa ta karɓi cikakken kuɗin da aka yi yarjejeniya a kai.

Allah Ya arzuta Musulmi da halal, Ya nisanta mu daga cin dukiyar mutane ba bisa haƙƙi ba.

Allah ne mafi sani.

Zauren Fatawoyi Bisa Alƙur’ani da Sunnah

 Zauren Fatawoyi Bisa Alkur'ani Da Sunnah.

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