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Has become the habit in our community, in our family, or even happened to ourselves, the process borrowed borrowed or the debt debt was carried out without having the clear contract. I borrowed money, not big, only ten thousand rupiah to a friend. Said by me that money that was borrowed this will be returned as soon as possible because by chance at this time I forgot to not bring money more, while the requirement has been very urgent (the requirement for the stomach, for example ^ ^). By not thinking long, his name also the friend, at once spent an amount of money that was asked for, because he trusted me, or possibly because of the amount of money that was borrowed not so big. Was not returned then possibly not the problem for him.

In the other place, someone was asked by all the sorts because he intended to borrow an amount of money for the need of his business. Was not easy for him to borrow money. Possibly the amount of money that will be borrowed including the big measurement, or possibly because of being related to an agency that required the prospective borrower to undergo the procedure like that.

Aside from the incident variety that happened regarding the matter borrowed borrowed or this debt debt, like two examples above, Allah has given the rule, ethics in the matter of the debt deb
"If you in the trip (and bermu'amalah not in cash) while you did not receive a writer, then would had the warranty that was held (by that berpiutang). But if some you trusted another part, then would that was trusted that fulfilled his message (his debt) and would he was devout to Allah, Tuhannya. And don't you (the witnesses) hid evidence. And anyone who hid him, then actually he was the sinful person his heart. And Allah Maha knew what was done by you. (QS. al Baqarah: 283).

The gift from the debt vs Riba towards this. Many of our relatives the fellow Muslim who was trapped with the usury system. Allah permitted borrowed borrowed, the debt debt, the trade, but prohibited usury.

Someone borrowed money, then that must be returned by that owed money only as big as that he borrowed. If in the contract of the debt debt, that owed money was required to return an amount of money that was borrowed plus in addition so many % (percent) from the loan of the subject, then was gotten by usury inside.

The owing person was only obliged to return his debt totaling that he borrowed, but might give the gift totaling that he (the owing person) wanted. The gift that was given might have the shape of the thing or even money for the addition. His difference with usury, giving of this gift was not in the contract of the debt debt. This gift was given willingly by that owed money. Of course did not give the gift then it's alright.