FATH AL-DZARI’AH WA ATHARUHA FI BAY’ AL-MURABAHAH LI AL-AMR BI AL-SHIRA’ [THE CONCEPT OF ‘FATH AL-DZARI’AH AND ITS IMPLICATIONS FOR MURABAHA TRANSACTIONS ON PURCHASE ORDER]
Keywords:
Fath al-Dzari'ah, Murabaha, Murabaha Sale to the Purchase OrdererAbstract
Abstract: Humans are constantly progressing in all aspects of life. Yesterday's circumstances are no longer suitable for today, or they are insufficient for the needs of modern life due to rapid scientific and intellectual advancements. People strive to fulfill their basic needs — such as food, clothing, and shelter — and in doing so, may resort to unlawful means like usury (riba) and interest-based loans to meet those needs. This is where the problem lies. To avoid these prohibitions and religious risks and to find practical solutions, scholars have sought methods that align with Islamic Shariah, demonstrating its comprehensiveness, flexibility, realism, idealism, and wisdom in addressing every new issue and challenge. Among these financial alternatives to prohibited interest-based loans is the Murabaha sale to the purchase orderer. This paper explores the application of the principle of Fath al-Dzari'ah and its impact on Murabaha to the purchase orderer, aiming to highlight both the positive and negative effects of its implementation. The study found that Fath al-Dzari'ah in this context has facilitated massive economic investments benefiting societies and governments, with some banks reporting that up to 98% of their investment financing is conducted through Murabaha to the purchase orderer. Malaysia, in particular, has played a leading role in applying this method. Furthermore, the use of Fath al-Dzari'ah in Murabaha transactions contributes to ease of execution and lower costs compared to other methods, reflecting its alignment with the higher objectives (maqasid) of Islamic Shariah.
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