I am a former employee of Islamic banks, both BPR and Commercial Banks. I just want to share my experience. At that time, there was financing where I was the AO, and after a few months, there was a debtor who was stuck. In accordance with the agreement, a fine will be imposed where the fine will be handed over to a social foundation for the benefit of the people. However, on the way when I resigned, the debtor was billed because for 4 months he was unable to fulfill his obligations in a rude and disrespectful manner. What I want to ask is how Islamic banks should solve the problem of debt that cannot be paid by debtors? If the debtor has nothing, instead of a hadith that says if you give a debt (loan) to another person, and that person is unable to repay it, then we have an obligation to help him and the reward from Allah is the best of rewards. Please enlighten this issue. Mr. Danang, who is blessed by Allah, we must take a full look at the case, so that we don't get caught up in an inaccurate justification. First, Allah SWT commands us to commit to a mutually agreed contract (QS 5: 1). Whatever the conditions we face, we must try to fulfill that commitment.
In the second arrears, the bank will call the customer concerned.
Second, in the practice of Islamic banking, in accordance with Bank Indonesia regulations, there are several steps that must be taken when a bank faces non-performing financing. Usually in the first arrears, the bank will call. In the second arrears, the bank will call the customer concerned. If it turns out that the financing is still problematic, it will be included in the collectability category two, and the bank usually offers debt rescheduling. If it's still not smooth, then at collectability stage four, the bank offers the execution of customer guarantees. If it turns out that the guarantee does not sell, then the bank can impose a write-off, namely "wipe off the book" or even "write off the bill", where the customer and his heirs are no longer affected by their debt obligations. What must be noted is that the money used by Islamic banks is basically money belonging to saving customers (DPK). So, morally and rules, the Islamic bank must also be responsible for it. However, Islamic banks are strictly prohibited from using abusive methods and not in accordance with Islamic morals in collecting the debt.
Third, related to alleviating and removing the burden of debt, it is the word of God in QS 2: 280. To understand it, it helps us refer to HR Ibn Sirin, where at that time there was a dispute between two people, who was then mediated by a friend named Shurayh ra. They are at odds over unpaid debts. However, Suraih ra replied, that verse is related to usury-based debt, while in another verse, namely QS 4: 58, Allah also commands us to fulfill the mandate or rights of others, in this case the rights of the person giving the debt. However, if the person giving the debt is sincere, then it is better for him. The lesson we can take is that debt is a last resort, if other options are not possible. When we have to owe, it must be within our capabilities and we must have the intention to repay it. Insha Allah, Allah will make it easy for us (al-hadith). If there is no intention to pay it off, it will definitely not be paid off. Do not let us get ghalabatid dayn disease, which is in debt and no ability to pay it. Because the debt is not repaid, will prevent a person from going to heaven. As for the debtor, if the debtor is no longer able to pay off his debt due to reasons beyond his capacity, and not because of the irregularities he has committed, then giving the debt to charity is far better and more important.
Are you planning to buy an automatic car? Or planning to ride it in the near future? Maybe you already know that the way to drive an automatic car is different from the usual car, which shifts the gears manually. Automatic cars have automatic transmissions, where the automatic car gearshift system is designed to be able to move without having to step on the clutch pedal. Automatic transmission has two types of systems, both of which are also known to be simpler and easier, namely semi-automatic and automatic systems. This is How to Check Jakarta Number Plates, Easy! Even though it's automatic, it doesn't mean that driving an automatic type car is just playing the gas and brakes. You also have to be required to have a good feeling in measuring engine power because automatic cars also have transmissions that you can adjust depending on your needs. You will meet the automatic transmission lever with the code P, R, N, D, D3, 2 and L. If you are a new player in driving an automatic car, you are definitely confused by the letters and numbers that are rarely found. 9 Ways to Get Rid of Stickers on Motorcycles, Smooth Back Again! How to Check Vehicle Number Plate Owners Online, Easy! Complete Car Window Film Price List, Must Know! Well, to help you recognize a dead car gear, Qoala will explain in full about automatic car gear, from how to drive it, the meaning and function of each of the codes above and other information you need to drive an automatic car through this review.
If it's your first time driving an automatic car, you may be a little confused about how to drive it. Especially if you are used to using a manual car, which has a different way of operating the gear from the automatic one. This is because you don't have to adjust the clutch or shift gear because it's done automatically. You just need to stop and go without shifting gears or playing the clutch. But if you are not used to having to be careful, you might get confused between the brake pedal and the pedal or the wrong way to use the automatic car gear. Not infrequently heard of accidents because they are not familiar with how to shift gears automatic cars that are not familiar. Therefore you must know some important things in how to drive an automatic car below. As a beginner you need to be careful so that the lever is always in the correct position. First before starting the engine, the lever position must be in the P position or in the N position. Do not position the lever in reverse or R, these positions are used to reverse. If the lever is in the R position, the car will not start when it is started.
When you enter the key, do not immediately start the engine. You should wait for the needle to spin until the indicator is active or lit which indicates the electricity is ready. Some types of automatic cars provide an indicator in the form of sound when the car is really ready to be started. When first starting, it is recommended to step on and hold the brake pedal for safety reasons because you are afraid that the car will suddenly accelerate forward. Some automatic cars have an automatic procedure that keeps the engine running if you don't press the brake pedal, although some don't. When the engine is on and you want to start moving, the first step that needs to be done is to change the gear position of your automatic car which was originally in position P or N, to position R to go backwards or D to go forward. It is important to depress the brake pedal at the same time as moving the lever in gear. This method can prevent damage to the machine. The transmission lever aka gear or automatic car gear is an important component that affects the speed of the car.