Multi-Level Marketing in Shariah

Dengan nama Allah yang Maha Pengasih Lagi Maha Penyayang....

Assalamualaikum w.b.t everybody...

Hello everybody ?? how are you today ?? Let's say thanks to Allah because Allah still give us to live in this world with bless from Him for today.

Before i starting my writing today, i would like to ask you all, do you hear about Multi - Level Marketing(MLM) ?? Do you know what is MLM ?? What impact if you involve in MLM?? If you don't what is MLM, today i will share what is MLM based on my knowledge. I want to share about this because MLM is very popular today.

Generally 'Multi Level Marketing' is an alternative business related to marketing through many levels (tiers), commonly known as the 'Upline' (upstairs) and 'Downline' (level down), they will be called ' upline 'if a' downline '. The main staple of the MLM business is driven by the network, whether that is' vertical 'top down or' horizontal left-right or a combination of both.

Illegal forms of MLM or doubtful

There are several forms of MLM system that are clearly prohibited or hesitancy, which is when he uses the following system:

1) The high price of the ordinary: Selling a product that is bought and sold in MLM system with a much higher price than the usual price, it is strongly discouraged by Islam but according to some scholars, such aqad is void. As such, it is called 'Gabhnun Fahisyh' in the words of the scholars of Fiqh. Legal sales 'Ghabnun Fahisy' is distinguished by scholars between the need, makruh and haram. (Durar ḥukkām Fi Sharh al-Majallah al-Ahkam, no clause 356, p 369). How did the Prophet Muhammad SAW has indicated as an injustice if you happen to people who do not know the ins and outs of the price of goods. (Al-Qawaid, Ibn Rushd, p 601)

However keep in mind, in an MLM may be 3 or 4 elements and illegal doubtful that I will mention. This does not mean that I say only because of their illegal MLM element "Prices Higher than Normal", it was just one of the elements that need to be reviewed and may exacerbate the legal things that can fall MLM illegal because the level of fraud in certain other circumstances.

What I wanted to say 'Ghabnun' here is made in the form of fraudulent prices to the public, the price jacked as entry fees included in the pyramid system. For example I have been 'forced' to buy an MLM product. Because the back is very difficult to sell MLM concede, and I want it quickly ended her campaign with manners, then I buy the cheapest product, that is a very great pillow that said, it costs RM300 each. This is called 'Ghabnun', while the pillow is apparently no special directly after use. Then obviously the price is raised for its participation as a member and logged in the system. But I mute the expertise and did not move, buy only out of pity by the seller, known only.

This is exactly why I have the 'Ghabnun', these elements may not be strong enough to make it illegal, but it is one of the elements that affects aqad, this effect when he joined the doubtful elements of  others, it may be illegal.

2) Personal purchase target as a condition of the commission: In addition to the fees to be paid by members, usually there are conditions that require the member reaches a certain purchase targets to be eligible to receive any commision from the sale of those under him. When he failed to reach the 'target price', the membership will be lost or no commission for him despite his subordinates are selling so much. All MLM involved with this kind of condition, causing their MLM system to be problematic from the point of Shariah because of the element of cruelty to a member other than the existence of conditional sale with conditions that do not favor members and repressive. As if the company forced him to say "you must buy or maintain personal sales of RM500 a month so that you have the right to commission your subordinates".

Basically, the commission has taken over the business of selling (such as 'brokerage fee') of an item is a must according to Shariah, it is a great scholar Muhammad Ibn Sirin Tabi'en like, 'Ato' Bin Abi Rabah, Ibrahim an-Nakha'ie and many more (Sahih Al-Bukhari, Al-Musannaf, 5/242; Mawahibul Jalil, 4/452). However, the commission in the case of MLM and piramdi system can be turned into syubhah when: -

* Tied sales commission to a sales network by it, it poses a problem from the point of Shariah as an element of coercion, unlawful in terms of representation and gambling. however, it may be required if there is a Shariah Advisor to fix it in accordance with aqad paid through. however, the majority of MLM companies do not have pensaihat Sharia to fix it, causing it to remain in syubhah.

* The commission came from the direct subordinates did not know because it was too far down. This makes the boss seemed to gain the upper hand without any effort again. It can also be classified as a real estate broker and so on. In the case of multiplicity of real estate commision chain, according to Prof. Sheikh Dr Abdul Sattar Abu Ghudda (Shariah experts in the field of Islamic finance in the world Fiqh Ulama Union World, AAOIFI, the Dow Jones Islamic Index and others) was included in the context of the taking of the property of others by falsehood than there are elements of gambling. This is because it seems to put a condition on all subordinates either their knowledge or not, all the sales they would have taken some profits for them.

3)If a registered member to join MLM with certain fees, but does not have any product to be traded, its business is to find the bawahanya (downline), every time he gets a new member, then given a percentage of the fee to the AHI. More and more new members means more bonus belongs. It is a form of usury for trafficking a sum of money to get some more money in the future. It's an Nasiah bentu Riba and Riba Al-Fadl. The same is also legal for MLM companies that do not have hard and quality products, instead of just a room of his web site that is not beneficial for most people, or any product that is used as an excuse to buy. In fact, the real price of the product is sometimes far from the price sold to members (eg computer web product sold, while the price is much higher and the members did not have a computer already). In fact, the experts not want to buy the product, but to join the network and earn money from it. It is also included in the banned. It is not right to buy the product with the main intention of entering the network and make a profit from this network has been outlawed by the Fatwa Committee of Al-Lajnah-Daa'imah Saudi Arabia no 15 / 192-193.

4) There is also a MLM company in selling their products to manipulate, or force the buyer to use the product or sell the goods illegally. MLM is so clearly prohibited. But not all MLM way, only in part only.

5) There are also elements like "shafqatayn fi shafqah", or bay'atayn fi bay'ah, (ie two aqad type of purchase in a) that is prohibited by the Prophet with a pronouncement of them: "

نهى رسول الله صلى الله عليه وسلم عن صفقتين في صفقة واحدة

Meaning: "Prophet Muhammad prohibited from making two purchases (aqad) in one agreement" (Narrated by Ahmad, Al-Bazzar, Al-Haithami: narrator Ahmad is thiqah; 4/84)

This occurs when there is some MLM company that opened its registration, each member has to pay a sum of money called a fee, can not be ascertained whether the fee is to buy a position in the network or buy products. At the same time, with the signing of expertise, it will also be a representative for the company to recruit new members, the MLM action like this, it might be included in the category of hadith: shafqatayn fi shafqah, or bay'atayn fi bay'ah. This is because, in this case, the person conducting the transaction has been calculated aqad Mu'awadat (financial swap contract rights) when buying products or become a member and at the same time in a kind of representative aqad again (to sell products that come next looking for new members), with specific commissions. So, this is clearly impractical as classified as the hadith above.

From the evidence above I hope that friends can assess what it is and what its legal consultant. So, my advice to all of your friends, wise in choosing a business that wants to undertake. do not just think profit alone but think whether the business is allowed by sharia or not. Life would not be a blessing if not according to the laws of Allah. May we be kept away from all things that are not allowed in Islamic Shari'a. aamiin.

9/10 sustenance comes from doing business

 بسم الله الرحمن الرحيم 

  Assalamualaikum w.b.t

Hello everybody? How are you today? Thanks to Allah for today we still raised to enjoy all the blessings of the world that provided by Him.

Today, I would like to share one job is highly recommended in Islam and this job is also one of part time job while I semester break.

Do you know business is the one of job that recommended in Islam? Business is an organization or economic system where goods and service are exchanged for one another or for money.Every business requires some form of investment and enough customer to whom its output can be sold on a consistent basis in order to make a profit.Businesses can sole proprietorship, partnerships or companies.  
                         



                                   

According to the traditions of the Prophet s.a.w. 9/10 sustenance comes from doing business. In fact, if viewed from one angle, all the work we do is a form of business.

The verses of the Qur'an also touched on business. It is clear that the business is a job that is encouraged in Islam. For profit or wealth is not an obstacle, as in Surah al-Friday, paragraph 10, which states:

"Then when the prayer is ended, then disperse in the land (to manage the affairs of each), and remember what you asked for the grace of Allah and remember Allah much (in every situation that you may succeed in this world and the Hereafter). "

This verse describes God does not preclude a finding which of the favors of Allah S.W.T they like including from the business, but we should not ignore ibadah that we should perform to Him.

Undoubtedly, someone will get more business freedom in every aspect. Not only in terms of time, but also in terms of how income is generated, the source of revenue and for what profit is then used.

Dealing also opens a wide space for charity and helping others, such as providing employment opportunities to the poor or disabled. Every human being is determined each provision. And preferably we use that wherewith it to help the others.

In Islam businesses should be concerned about the halal and haram. It covers financial matters such as avoiding usury and debt reduction, and touching also the question of ethics. Managing the sale must be fair and we are prohibited from cheating scales. Profit also must be moderate, and does not charge the buyer or the general public.

Traded goods also need to follow the track that has been described by Allah in the Quran. So we stay away from prohibited bequest.

However, doing business in the Islamic terms of implementation is the same as any other business concepts, such as that coming from the West though. We just need to be wise in distinguishing which allowed, and have self-esteem to resist the forbidden. Concepts such as self-motivation and leadership can also be customized with the features of Islamic.

Avoid prohibited practices such as usury or cheat the scales is important to get the blessing and the blessing of God. Indeed, traders who violate the laws specified are also able to reap the benefits - even more profit doubled - but we are looking for is a balance between the satisfaction of material and blessings, namely, the pursuit of glory world without leaving welfare in the afterlife.

In fact, we should always think of ways to find the blessings in your life, no matter what activity you are doing. Especially in business, the blessing is becoming more severe and important as the results we get from the business will eat and drink directly by ourselves and also relatives and well-wishers. While Islam explicitly prohibits us from giving our families eat non-halal items!

Therefore, the source of income must be clean. Property that we gathered through business profits must also be properly applied, solely to please Allah. If treasures abound but are not blessed, there is no need, as the earth swallowed Qarun with all that he had.

In short, the business of Islam is not merely seen in terms of money and profit alone. Hidden values ​​also need to be maintained so that we continue to be a dealer of Islamic culture.

This includes the handling of competition. Competition needs to be viewed from the angle that is healthy, namely as a positive stimulus to encourage us to continue to innovate and be competitive in the market. We should compete as well as traditions of the Prophet in studying: not wrong to feel jealous if other people more successful than we are, if in fact that feeling makes us strive harder. Prohibited is the effort to bring down the others because of envy of their success!

In Islam there is no need envy so determined to cause misfortune on others for sustenance has been set for themselves. Therefore, we have pleasure.

Furthermore, the business door widely open to anyone who wants to venture into it, so why should we close the door for others who want pursue? However, we must realize that the business world is full of challenges, and we will only get what we have done. Each of these challenges should be seen as a test of faith, we have to deal with patience and gratitude.


Finally, as already stated, Islam never forbade his people to make a living and wealth accumulation. No one is the pursuit of wealth, because wealth will open more doors for good. What we need to do is get rid of the love of wealth and money which has been embedded in the liver so that it can not blind us to the halal and haram things, and avoid leaving favors or charity.

*Artikel ini disusun oleh Amri Rohayat dan diterbitkan dalam majalah Rezeki keluaran Februari 2011.