Borrowing in Islamic jurisprudence is called ariyah, which means allowing others to use goods temporarily without alteration and returning them to their owners. Borrowing is a natural part of society, but it must be done responsibly by maintaining the items and keeping the feelings of others to avoid disputes. The pillars of legitimate borrowing are that the lender and borrower must both be mentally competent adults, the items must provide benefits and remain owned by the lender, and there must be clear consent between the parties. Borrowers have an obligation to preserve the lender's rights by maintaining and returning the items on time and intact.

1. Borrowing /
Ariyah
Fikih – 5th Grade

2. Borrowing in jurisprudential terms is called ariyah.
That is, members allow others to take advantage in a
legitimate manner without changes to the goods and
returned to their owners.
Borrowing is a natural part of the life of society.
But arbitrarily without coupled with responsibility. We
must keep the feelings of others and maintain the
condition of the borrowed items, so helping elements
remain intact and do not give rise to disputes.

3. ‫وا‬ُ‫ن‬َ‫او‬َ‫ع‬َ‫ت‬َ‫و‬
َ‫ت‬ ‫ال‬َ‫و‬ ‫ى‬َ‫و‬ْ‫ق‬َّ‫ت‬‫ال‬َ‫و‬ ِِّ
‫ر‬ِ‫ب‬ْ‫ل‬‫ا‬ ‫ى‬َ‫ل‬َ‫ع‬
ِِ ْْ‫اثإ‬ ‫ى‬َ‫ل‬َ‫ع‬ ‫وا‬ُ‫ن‬َ‫او‬َ‫ع‬
ُ‫ع‬ْ‫ل‬‫ا‬َ‫و‬
ِ‫ان‬َ‫و‬ْ‫د‬
“And please help you in (doing) goodness and piety, and do
mutual assistance in sin and enmity “
(Q.S. al-Maidah/5:2).

4. The law of borrowing
• The original law of borrowing is be permitted. For
example, to borrow money to pay for study.
• Obligation, means borrowing undertaken an urgent
need and if the borrowing will cause great losses and
damage. For example borrowed gloves to close the
genitals and otherwise would borrow nude.
• Haram, means that borrowing is done for
disobedience

5. The Pillars of Borrowing, are :
People who lend (mu’ir)
• Baligh or adult
• Sensible
• Not waster
• Not forced
People who borrow (musta’ir)
• Baligh or adult
• Sensible
• Not mubadzir ( wasters).
Objects on loan (musta’ar)
• Can be utilized
• Benefits still exist at the time of consent
qabul
• Benefits owned by the people who lend. It
means that borrowing should not and do
not have the right to lend borrowed items
to others.Ijab qabul
• Clear and easily understood by both
parties
• Continuous between consent and qabul

6. The Obligation of Borrowers
Between the lender and the borrower must always
preserve the rights and obligations of the borrowing
Rights and obligations of lenders :
• Submit items borrowed, willingly and
voluntarily
• Objects on loan are fixed and benefit of
halal member
• No element of riba.

7. Rights and obligations of the borrower
• Maintaining the borrowed items with full of
responsibility
• Return the borrowed items on time and
intact
• If the costs to be borne by the borrower.
During the borrowed item is on the borrower,
the responsibility is fully belongs to him

8. CRITICAL THINKING
Why should we avoid debts
for goods or money and
pawns?
When we have debt, there
is no certainty when we
should be able to return it
and there is also no
guarantee of the age when
we are due to pay, that age
is no longer there.
Borrowing goods at
anytime has a high risk
because the goods we
use must have a
shrinkage value that
will harm the owner,
use this life by staying
away from debt,
borrowing and
pawnshops.

9. •at a much lower price than if we sell
the goods ourselves, consequently in the
process. pawning goods, the owner of
the goods will be very disadvantaged.
Pawning the goods will also become usury, the
goods that we deposit as collateral to arrive
at a predetermined time limit, if the goods
are not able to pay off then the goods will be
auctioned,

10. COMMUNICATIVE
Why do people
have a habit of
going into debt or
borrowing goods
and renting?
In this global era,
humans need adequate
means of communication,
transportation and
shelter, to get that,
people usually tend to
take advantage of leasing
services, the language of
leasing is the soft
language of the credit
Discuss with a friend next to you!

11. •In the process of
leasing or crediting
debt, the borrower or
debtor is very
disadvantaged because
the usury charged is
very high and if the
debtor cannot pay it on
time, the goods owed
will be confiscated. In
the process of
That is where injustice
arises, avoid ownership
of goods including
houses from the debt
process as a way to
keep our lives away
from deposits, debts,
pawning, hiwaalah and
leasing.

12. COLLABORATIVE Do group
discussion from
the result of
Communication!

13. CREATIVE
How can we avoid
deposits, debts,
pawning, and leasing?
 Fulfill the needs
according to the
abilities that we have.
 Try not to let us borrow
other people's things, if
we don't have them.
 Save money, when the
value of our savings is
sufficient then buy
goods in cash.
 Diversify our
business, so that we
do not have one
source of income, so
that we can meet
our needs because

14. Remember it …