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Kakav je propis pozajmljivanja novca u markama a vraćanja u eurima?

              
Pitanje: Es-selamu alejkum! Interesuje me da li je neku stvar koja košta 50 KM dozvoljeno platiti novcem u apoenima 10 eura + 30 KM, s tim da ću preračunati vrijednost eura u KM i dodati pola KM razlike, tj. da li je dozvoljeno miješati valute, iz ruke u ruku? Čula sam da je to kamata pa me interesuje vaš odgovor. Allah vas nagradio!

Odgovor: Ve alejkumus-selam! Elhamdulillahi ves-salatu ves-selamu ala resulillahi!
Ako se radi o klasičnoj prodaji, kao naprimjer prodaji određenog artikla za 50 KM, nema smetnje da se plati na spomenuti način, ako prodavač i kupac na to pristaju.
Ako se radi o vraćanju duga, svejedno radilo se o pozajmici ili dugu nastalom putem kupovine, a želi se vratiti u drugoj valuti, kao naprimjer da: Ahmed duguje Omeru 200 KM, pa kada je došao rok vraćanja, Ahmed želi dati 100 eura i 5 KM.
Da bi to bilo dozvoljeno, potrebno je da se ispune dva uvjeta:
1. Da se omjer valuta i njihova vrijednost računa na dan vraćanja duga.
2. Da se dug podmiri prije nego se dužnik i onaj kome je dužan raziđu.
 Abdullah ibn Omer, radijallahu anhuma, pitao je Allahovog Poslanika, sallallahu alejhi ve sellem, o svom načinu trgovanja. Prodavao je deve za zlatnike, a kasnije uzimao srebrenjake umjesto zlatnika. Poslanik, sallallahu alejhi ve sellem, mu je odgovorio: “Ne smeta da ih uzmeš po njihovoj cijeni toga dana, ali da se ne raziđete a među vam dug.” (Hadis bilježe Ahmed, Ebu Davud, Tirmizi, Nesai, Ibn Madže i Darimi, uz određene rezlike u tekstu. Hadis je slab prema ocjeni šejha Albanija, rahimehullah, ali se radi po njemu kod određenih učenjaka.)
Nekoliko napomena:
– Nije dozvoljeno dati dug u jednoj valuti uz uvjet da se vrati u drugoj, međutim, prilikom vraćanja, dozvoljeno je, bez prethodnog uvjeta, vratiti u drugoj valuti uz dva spomenuta uvjeta.  
– Kada se mijenja jedna valuta za drugu, uvjetuje se da bude iz ruke u ruku, tj. da kupac i prodavač preuzmu kupljenu i prodanu valutu prije nego se fizički raziđu.
– Prebacivanje novčane vrijednosti na bankovni račun također se smatra preuzimanjem te vrijednosti.
– Kada se prodaje zlato ili srebro za novce, nije dozvoljena “veresija”, tj. mora se preuzeti prodana roba i njena cijena prije nego se kupac i prodavač fizički raziđu, jer odgoda plaćanja ili preuzimanja u ovom slučaju je kamata. Isto tako se uvjetuje preuzimanje iz ruke u ruku kada se mijenja zlato za srebro.
– Ako se mijenja zlato za zlato ili srebro za srebro uz trenutno preuzimanje, uvjetuje se i to da budu u jednakoj težini bez obzira na razlike u kvaliteti.
Allah najbolje zna.

Odgovorio: Mr. Hakija Kanurić

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