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PayHalal World’s First Islamic E Payment Gateway

PayHalal Payment Gateway Explained

What is a payment gateway and what is its role in ecommerce?

PayHalal is a Islamic payment gateway for the Islamic ecommerce service that processes payments from CASA e Money Debit and credit payments for online and traditional brick and mortar stores.

PayHalalPayment gateways facilitate these transactions by transferring key information between payment portals such as web-enabled mobile devices/websites and the front end processor/bank.

PayHalal Payment Gateway fulfill a vital role in the Islamic ecommerce transaction process, authorizing the payment between merchant and customer.

PayHalal payment data processor analyzes and transmits transaction data. PayHalal Payment gateways authorizes the transfer of funds between buyers and sellers.

How PayHalal payment gateways work

When a customer places an order from an online Islamic store, PayHalal performs several tasks to finalize the transaction:

• Encryption: The web browser encrypts the data to be sent between it and the vendor’s web server. The gateway then sends the transaction data to the payment processor utilized by the vendor’s acquiring bank.

• Authorization Request: The payment processor sends the transaction data to a card association. The credit card’s issuing bank views the authorization request and “approves” or “denies.”

• Filling the Order: The processor then forwards an authorization pertaining to the merchant and consumer to the payment gateway. Once the gateway obtains this response, it transmits it to the website/interface to carry out the transaction . Here, it is interpreted and an appropriate response is generated. This seemingly complicated and lengthy process typically takes only a few seconds at most. At this point, the merchant fills the order.

Clearing Transactions

The steps outlined above are repeated in an effort to “clear” the authorization via a consummation of the transaction. However, the clearing is only triggered once the merchant has actually completed the transaction . The issuing bank changes the “auth-hold” to a debit, allowing a “settlement” with the vendor’s acquiring bank. The processor is then relied upon to settle all of the vendor’s approved authorizations with the acquiring bank at the end of the day.

Other PayHalal Payment Gateway Functions

PayHalal also screen orders with a myriad of helpful tools. This screening process filters out as much non halal and fraud as possible. Examples of gateway fraud detection tools include:

• Delivery address verification

• AVS checks

• Computer finger printing technology,

• Velocity pattern analysis

• Identity morphing detection

• Geolocation

PayHalal Payment gateways even calculates tax amount to authorize requests transmitted to the processor.

PayHalal is the leading halal E-Payment Solutions for Halal ecommerce platform for growing and mid-market Islamic retailers.

PayHalal Tax Solutions Platform

Paying your taxes isn’t what any entrepreneur dreams of when starting a business.

• You don’t think about the spreadsheets and the constant state updates.

• You don’t think about how to charge sales tax, when, where, why and on which products.

That’s because taxes are just the cost of doing business.

Sadly, doing them incorrectly (and definitely not doing them at all) can cost you your business.

So, to make sure you are zipped up on everything you need to know to pay the right amount, charge the right amount and do it all in accordance with state and national laws, we’ve put together a comprehensive resource you can bookmark for future reference.

What’s in the Ecommerce Tax Guide:

• The basics of GST including when you need to collect based on Malaysian Law.

• How to register for a sales tax permit (and what could happen if you don’t).

• The difference between origin and destination-based sales tax sourcing.

• The true definition ofGST and what it means for your business.

• How to file regularly and on-time, without taking focus from growing your sales.

• How file tax

• Where Amazon has fulfillment centers (and what that means for sellers).

• How to collect sales tax on E market and set up tax codes

• How to report sales tax collected from E market

• When you need to pay business tax with a calendar you can keep.

The PayHalal Benefits of GST Automation

PayHalal automatically configures sales tax if your business does not have any special tax needs.

Malaysian merchants use automatic GST calculator that determines GST rates during checkout based on a standard tax rate for states in which these businesses are required to collect sales tax.

And for merchants who require any special GST exemptions, PayHalal has partnered closely with Customs to streamline the tax collection process by integrating with their automation software.

It uses real-time tax rate calculations and calculates sales tax via geo-spatial mapping, ensuring accurate results every time.

Businesses without their own accounting departments, i.e. most folks in the process of building a sustainable, long-term venture, cannot afford the time cost in keeping track of compliance across jurisdictions.

While this guide will walk you through everything you need to know and cover any “Gotchas” in ecommerce tax, it is much more efficient to use automation instead.

This is especially useful when it is tax time.

Here’s how it works with PayHalal GST automation software when needing to file your business taxes.

1. Enable document submission:

Available within “Tax Options” in the PayHalal “Store Setup”. This feature ensures completed invoices and credits are recorded in Avalara and populate sales tax reports to help you reconcile and file returns.

2. GST settings:

Login to PayHalal GST Platform to ensure you have enabled the proper tax settings for your Berkart store. Most importantly, identify where you’re registered so PayHalal knows to apply sales tax on all orders shipped within your jurisdictions.

3. Filing tax returns:

Don’t forget that you must file a sales tax return and remit all tax collected on a regular cadence for each jurisdiction. You can do that by either:

• Accessing free tax report from your account to reconcile and file yourself

• Enabling PayHalal automated tax return services and put your tax filings

We’re on a mission to provide businesses like yours marketing and sales tips, tricks and industry leading knowledge to build the next house-hold name brand.

For further information email us at salam@payhalal.net

PayHalal SaaS offering Shariah compliant billing and payments for businesses

PayHalal provides a suite of products to help you collect recurring payments from global users and support any pricing model with ease. Companies like Zurich Takaful, PPZ MAIWP, and Selangkah work with us to move fast and scale globally.

PayHalal future of Shariah Compliant SaaS payments

We can help build your business to be ready for today, tomorrow and beyond, by making Shariah Compliant SaaS payment processing easier, quicker and more secure. Today’s fast-moving Islamic Software as a Service (SaaS) industry needs a payments processor that can keep up. A Shariah compliant payments solution that empowers Islamic instuitions, businesses to confidently accept and process payments across markets, services and customers.

Payments made ethical

Our shariah compliant solutions let you process more payments faster and retain more value while you’re doing it. And you can accept and process all your payments in one place without RIBA (usury) and Gharar ( uncertainty/ risk).

Your payments, the Islamic way

You can customize everything using our modular solutions and different integration types. It allows your business to operate however is best for you. And with instant, transparent data into your shariah compliant SaaS payment processing, you can see how well you’re performing according to your faith.

One API

Our ethical -built Shariah Compliant SaaS payments platform API only needs setting up once. Then you can unlock all of its innovative features and payment methods forever. The PayHalal API SaaS payment facilitation solutions give you faster , safer payment processing speeds, more data and a smoother customer experience with added surety.

Hijrah A Global reach

With our Shariah Compliant SaaS global acquiring solutions, and Issuing payment Solutions . Our diverse payment options allow your customers to use all major global and local payment methods, including digital wallets and domestic cards with a surety of Transaction purification with PayHalal’ proprietary SNC Treatment AI (Shariah Non Compliance )

Manage risk your way

You can set your own rules for how your payments are processed and the criteria for how they should be routed. Plus, you can finetune your fraud protection by creating bespoke blacklists to compare and identify suspicious behavior.

Real-time regulations compliance

Future-proof your SaaS business with our compliance solutions that stay up-to-date with all new payments rules and regulations. Our 3D secure Solution automatically handles compliance so you don’t have to.

Want to learn more about our PayHalal SaaS Shariah Compliant payment solutions?

Adapt, innovate and thrive with more value from every transaction flowing through your business.

Contact Us

PayHalal’s journey to become a halal superApp.

PayHalal world’s 1st shariah compliant e-commerce payment platform and Islamic Core banking SaaS provider

PayHalal fintech started as an idea to serve the under served Muslim consumers around the World . We started with extensive market research and Islamic financial studies on how to serve Muslims according to shariah Law . What was more evident is that over 70% of the global halal supplies, manufacturers, retailers are non muslims and coupled with multiple issues including questionable halal certifications, have caused muslims around the world to be very cautious of making purchases online . This is due to the rise of religious conservatism that is sweeping the muslim world at a record speed. The trend comes amid broader societal change in the world’s biggest muslim-majority countries, driven by tens of millions of young, ‘born-again’ muslims embracing stricter interpretations of Islam.

The hijrah trend has created an opportunity for halal e-commerce and shariah compliant fintech, The estimated GDP of the world is to be around US $528 trillion out of which more than 75% falls within halal segment. However 3 main problems remains for muslims first, on riba – usury labelling riba as “tens of times more sinful than committing adultery with your own mother” which can come through direct exposure, through lending. The concept of riba al-fadl refers to exchange or sale transactions in trade which effectively result in the charging of ‘interest’ through the exchange of the same commodity, but of a different quality or quantity which is very common, especially in the e-commerce platforms. The second barrier for Islamic e-commerce or digital economy is gharar fahish.

An excessive degree of gharar renders a sales contract or transaction void from a shariah point of view. Gharar represents some form of asymmetric or incomplete information and/or deception, in addition to risk and uncertainty as to the subject matter of an exchange based contract. For gharar to invalidate a contract, it must affect its main elements; the underlying price and object of exchange. An example is the sale of an incompleted product (while it is still in its raw materials) in the shariah parlance (this sale is known as ba’i habal al-hablah). Gharar fahish arises in such a case because the unfinished product may be unsafe to be consumed and hence the buyer would receives a product that cannot be eaten or used for the money paid to the seller; and finally the third barrier to Islamic e-commerce is maisir. Maisir is prohibited by Islamic law on the grounds that the agreement between participants is based on immoral inducement provided by entirely wishful hopes in the participants’ minds that they will gain by mere chance, with no consideration for the possibility of loss as wishing something valuable with ease and without paying an equivalent compensation for it or without working for it or without undertaking any liability against it, defines it as “the acquisition of wealth not by effort; also receipt of money, benefit or usufruct at the cost of others.” The other uncertainty on the halal front we realised are muslim consumers are faced with fear of uncertain halal status or the validity if the certification authority of the goods manufactured or imported from outside their native countries.

This were the fundamental inspiration that led to the invention of PayHalal wakalah (authorised Representative) payment technology. PayHalal received its shariah attestation on the 7th of July 2017 from Datuk Dr Daud Bakar, an imminent shariah scholar who is the founder of Amanie Shariah Advisors whom also holds various official roles including Malaysia Central Bank Shariah Council Chairman and Malaysian Islamic Religious Council Chairman.After that it took about 2 and a 1/2 years for us to build the technology ground up, led by Pat Salam and Tom Groppenberger. Technology suites include Islamic payment switch, CMS / Islamic eMoney management system, Islamic merchant acquiring technology that includes halal cart AI that verifies and checks out only halal goods for payment, Islamic payment processor and SNC (shariah non compliant) treatment, AI robo and purifier. The technology is regarded as a blockbuster in Islamic financial world and regarded as a world’s first.

On the 2nd of May 2019, PayHalal Payment technology early adopter were Zurich Takaful followed by PPZ MAIWP, MAIK (zakat collector) and some e-commerce retailers, who believed that Payhalal payment technology will provide added surety for their customers and it will reduce SNC profit write offs .

PayHalal PSaaS see opportunities to export its software as services to Indonesia as the demands for Islamic Fintech software as a service is growing rapidly in this largest Muslim population .

PayHalal was invited to form a spv (special purpose vehicle) with Yayasan Desa Emas, a vehicle of the Indonesian government, to create a cashless community for its 800 provinces throughout Indonesia and a MOU was signed with Desa Emas’s spv PT Kirana on the 13th November 2019. The process of Setting up operations in Indonesia is on its way.

On 21st January 2021, PayHalal’s operating company Souqa Fintech received its BNM merchant acquiring approval to conduct merchant acquisition and payment processing and settlement for e-commerce business. With this PayHalal has entered into halal e-commerce payment which is a high growth rate segment with recurring income, great potential for scale and loyal user base, given the fact 60% of Malaysia’s populations are muslims. Payhalal foresee it will be serving over 3 million merchants and 80 million Muslim users by 2026 across key markets such as Malaysia , Indonesia , Brunei , Singapore KSA , UAE and Bangladesh . In order to meet its global expansion, Payhalal will be exercising a fundraising campaign which it believes will attract shariah compliant funds that will enable the company to go beyond retail and wholesale payments.

The future of Islamic fintech in Malaysia and in Asia is growing at an unprecedented rate, making the combined Islamic countries one of the fastest-growing fintech markets, ahead of the uS and China . The next decade will also see a boom for IPOs. The number of IPOs in SEA is expected to cross 300 by 2030, as more local startups seek an exit in domestic public markets.

Insh’Allah PayHalal will be one of those unicorns.

Perniagaan Online Wajib Halal

“Semoga ALLAH memberkatimu dalam transaksi yang dilakukan tanganmu.” (Riwayat al-Tirmizi)

Suatu keuntungan yang halal adalah dijana daripada urus niaga yang bebas unsur dilarang dalam Islam seperti riba, penipuan, gharar (ketidakpastian) dan ihtikar iaitu aktiviti sorok barang keperluan asasi orang ramai oleh para peniaga.Umat Islam hendaklah memastikan semua aktiviti dan transaki perniagaannya dijana berdasarkan keuntungan yang halal.

Namun, satu persoalan yang sering timbul dalam kalangan orang ramai adalah sebanyak mana keuntungan itu boleh diambil? Ada sebuah hadis Rasulullah SAW yang ada kaitan dengan isu pengambilan untung dalam urus niaga jual beli.

Dalam sebuah hadis, Urwah al-Bariqi menceritakan bahawa: “Rasulullah SAW menyerahkan wang satu dinar kepadaku untuk dibelikan seekor kambing. Kemudian dengan wang tersebut saya belikan dua ekor kambing. Tidak lama kemudian, saya menjual salah seekor daripadanya dengan harga satu dinar. Kemudian saya bawa kepada Nabi Muhammad SAW seekor kambing dan wang satu dinar. Aku pun menceritakan kejadian itu kepada Nabi SAW. Lalu baginda mendoakan: “Semoga ALLAH memberkatimu dalam transaksi yang dilakukan tanganmu.” (Riwayat al-Tirmizi)

Hadis itu secara jelas menunjukkan bahawa urus niaga yang dilakukan oleh Urwah telah berjaya menjana keuntungan lebih daripada 100 peratus. Malah dengan kejayaan tersebut, Rasulullah SAW mendoakan keberkatan pada tangan Urwah.

Meneliti kepada hadis dan juga ciri-ciri keuntungan halal, maka kita boleh memahami bahawa apabila urus niaga itu tidak mengandungi unsur yang dilarang dalam Islam, para peniaga boleh mengambil keuntungan sebanyak mana yang mereka kehendaki. Paling penting, urus niaga itu dipersetujui oleh kedua-dua belah pihak. Ini menunjukkan bahawa secara prinsipnya, memang tiada had keuntungan dalam Islam.

Dengan kata lain, setiap urus niaga dilakukan dengan PayHalal adalah diasaskan dengan prinsip shariah dan setiap transaksi mempunyai akad- akad tertentu . Sucikan Transaki Perniagaan anda hari ini layari http://www.payhalal.my

Ambil Keuntungan 100 Peratus, Ini Hukumnya Yang Perlu Kita Tahu

by Nurul Fatiha Muah

Oleh DR SHAMSIAH MOHAMAD

SETIAP orang yang menjalankan perniagaan pasti mahukan keuntungan. Tiada makna sesuatu perniagaan sekiranya tidak menjana keuntungan.

Dalam Islam, sememangnya pengambilan untung melalui cara yang disyariatkan adalah diharuskan seperti melalui kontrak jual beli, sewaan, musharakah dan mudarabah.

Suatu keuntungan yang halal adalah dijana daripada urus niaga yang bebas unsur dilarang dalam Islam seperti riba, penipuan, gharar (ketidakpastian) dan ihtikar iaitu aktiviti sorok barang keperluan asasi orang ramai oleh para peniaga.

Oleh itu, umat Islam hendaklah memastikan semua aktiviti perniagaannya dijana berdasarkan keuntungan yang halal.

Namun, satu persoalan yang sering timbul dalam kalangan orang ramai adalah sebanyak mana keuntungan itu boleh diambil? Adakah boleh ambil keuntungan melebihi 100 peratus, misalnya?

Bagi menjawab soalan itu, saya mengajak semua untuk meneliti sebuah hadis Rasulullah SAW yang ada kaitan dengan isu pengambilan untung dalam urus niaga jual beli.

Dalam sebuah hadis, Urwah al-Bariqi menceritakan bahawa: “Rasulullah SAW menyerahkan wang satu dinar kepadaku untuk dibelikan seekor kambing. Kemudian dengan wang tersebut saya belikan dua ekor kambing. Tidak lama kemudian, saya menjual salah seekor daripadanya dengan harga satu dinar. Kemudian saya bawa kepada Nabi Muhammad SAW seekor kambing dan wang satu dinar. Aku pun menceritakan kejadian itu kepada Nabi SAW. Lalu baginda mendoakan: “Semoga ALLAH memberkatimu dalam transaksi yang dilakukan tanganmu.” (Riwayat al-Tirmizi)

Hadis itu secara jelas menunjukkan bahawa urus niaga yang dilakukan oleh Urwah telah berjaya menjana keuntungan lebih daripada 100 peratus. Malah dengan kejayaan tersebut, Rasulullah SAW mendoakan keberkatan pada tangan Urwah.

Meneliti kepada hadis dan juga ciri-ciri keuntungan halal, maka kita boleh memahami bahawa apabila urus niaga itu tidak mengandungi unsur yang dilarang dalam Islam, para peniaga boleh mengambil keuntungan sebanyak mana yang mereka kehendaki.

Paling penting, urus niaga itu dipersetujui oleh kedua-dua belah pihak. Ini menunjukkan bahawa secara prinsipnya, memang tiada had keuntungan dalam Islam.

Namun, apabila ada unsur penipuan misalnya sehingga peniaga meraih keuntungan berlipat ganda, pihak yang ditipu boleh membawa kes tersebut ke mahkamah berserta dengan bukti. Dalam hal itu, mahkamah akan membuat keputusan berdasarkan bukti yang dikemukakan.

Adapun dalam kes ihtikar pula, pihak berkuasa mempunyai peranan dalam menyelesaikan isu tersebut.

Dalam perbincangan fuqaha, ada pandangan yang menyatakan bahawa jika berlaku kenaikan harga pada barangan keperluan asasi orang ramai disebabkan persepakatan para peniaga untuk mengaut keuntungan lebih, maka pihak berkuasa dibenarkan untuk mengawal harga barangan tersebut. Tindakan mengawal harga barangan ini diistilahkan sebagai tas’ir.

Langkah membolehkan pihak teraniaya membawa kes mereka ke mahkamah dan keharusan tas’ir dalam keadaan yang dinyatakan di atas menunjukkan bahawa hanya dalam situasi tertentu keuntungan yang diambil oleh seseorang peniaga itu boleh dipertikai di mahkamah atau dikawal oleh pihak berkuasa.

Walaupun kita lihat pada asasnya, Islam tidak mengehadkan kadar keuntungan yang boleh diambil jika ia bersih daripada unsur-unsur yang dilarang, tetapi pada masa sama, Islam mendidik umatnya supaya bersifat ihsan.

Antara bentuk ihsan penjual pada pembeli adalah mengaut keuntungan yang berpada-pada. Contoh ihsan pembeli pula adalah tidak menawarkan harga sehingga membawa kerugian kepada penjual.

Dengan kata lain, setiap urus niaga dilakukan atas asas persaudaraan iaitu masing-masing saling membantu dan mendatangkan maslahah sesama mereka. Wallahualam.

***Dr Shamsiah Mohamad berpengalaman sebagai Penyelidik Isu-Isu Kewangan Islam dan Syariah

PayHalalMerchants Verified Enjoys 4.5 X Higher sales transactions from Muslim Shoppers.

Verified by PayHalal Merchant Best Practices

Verified by PayHalal program is designed to help to verify the identity online halal , Islamic merchants in real time, to provide added surety for Muslim shoppers when they shop with a PayHalal verified Merchant , this is extended to the protection of shoppers personal password or other identity data.

Verified by PayHalal provides our Merchants customers an extra level of surety and security so they can shop for halal goods and Islamic services online without was-was (confidence).

The necessity of online shopping for Muslims is growing in every country. Now with Verified by PayHalal, your Muslim customers’ trust in your halal business and secure wakalah checkout process can increase your off take volume .

It’s a service offered exclusively to PayHalal’s halal , Islamic merchants and it’s a proprietary service that is not available with any other payment gateways.

Verified by PayHalal Merchant Branding can help you to achieve your sales goal

To help guide your shoppers through the Verified by PayHalal authentication process, it’s important to employ these best practices:

√ Verified by PayHalal Merchant Symbol –

creates Muslim consumer preference to buy at your online store.

√ Verified by PayHalal pre-messaging –

educates your Muslim shoppers and raises their trust level with Verified by PayHalal.

√ Verified by PayHalal authentication messaging –

helps prepare your Muslim shoppers for the Verified by PayHalal authentication process.

√ Verified by PayHalal authentication page – a professional page enhances Muslim shoppers confidence.

More and more Muslim consumers are becoming halal conscious and familiar with Verified by PayHalal and how it protects them when making an online purchase. Muslim shoppers may now look for the Verified by PayHalal Merchant Symbol on online sites and have more confidence buying halal goods and services from Verified by PayHalal merchants.

Why Halal goods and Income is important to Muslims how it effects their lives and how it will improve the cash flow of a PayHalal Verified Merchants.

For a Muslim halal and haram is very clear so those merchants supplying to Muslims should observe the following or they will loose the trust of their Muslim shoppers. Muslims observe the following:

✔️Earn Halal.

✔️Eat Halal.

✔️Drink Halal.

✔️Sell Halal.

✔️Buy Halal.

✔️Deal Halal.

Eating from haraam earnings is a sin,

The Prophet ﷺ Warned!

“No flesh grows that was nourished by that which is unlawful but the Fire is more appropriate for it.”  At-Tirmidhi (558)

The Prophet ﷺ Said : haraam earnings is one of the things that prevent du‘aa’s and righteous deeds from being accepted.

Muslim (1686)

“O people, verily Allah is Good and does not accept anything but that which is good. Allah has enjoined upon the believers that which He enjoined up on the Messengers, as He says: ‘O messengers, eat from the good foods and work righteousness. Indeed, I, of what you do, am Knowing’ [Qur’an 23:51] 

”O you who have believed, eat from the good things (Halal) which We have provided for you’ [Qur’an 2:172].

The Prophet ﷺ Said: ”Allah never rejects the Dua of a traveler.”

Then he mentioned a man who has travelled on a long journey and is dishevelled and covered with dust; he stretches forth his hands to the heaven, (saying) “O Lord, O Lord”, but his food is haraam (from haraam earnings), his drink is haraam, his clothing is haraam, he grew up nourished from haraam earning, so how can his du’aa’ be accepted?” Muslim (1686)

Therefore it is an advantage to visually display Verified by PayHalal seal by making simple, visual adjustments to your site pages, you can assure your Muslim shoppers about your halal Verified status and commitment .

The Verified by PayHalal Merchant Symbol communicates that a merchant participates in Verified by PayHalal, is guaranteed halal and shariah compliant this provides Muslim customers the added surety to do business with a Verified by PayHalal-enabled merchant.

Muslim Consumers may be influenced to buy on a merchant site that is Verified by PayHalal-enabled rather than one that is not. Verified by PayHalal can contribute to increased sales and increased market share for a merchants in the halal space .

Participating merchants are required to place the Verified by PayHalal “Learn More” Merchant Symbol on the checkout page on which shoppers enter their card ,online banking or eWallet account number .

The messaging also provides a further halal verification and surety to the Muslim shoppers , beyond the presence of the Verified by PayHalal logo on your site that indicates you are a halal and shariah compliant merchant.

For further information on verified by PayHalal write to

pat@payhalal.my

ENJOY T+1* SETTLEMENT WITH i-MDR AS LOW AS 1.8% WITH PAYHALAL

Islamic Digital businesses are making payments a competitive differentiator.

  • PayHalal to lead how Islamic platforms will use Shariah Compliant payments to transform global Islamic Digital Economies.

61% of Islamic platforms intend to expand their shariah compliant payments processor in the next 3 years.

  • A decade into the new era of Islamic digital platforms, it’s clear that shariah compliant payments have become fundamental to their growth.

Introduction to PayHalal Shariah Compliant internet payment gateway.

  • This guide explains the basics of shariah compliant internet payments and the differences between common payment gateway models , the dangers of riba and gharar , and how it can cause your Islamic platforms and marketplaces to become haram. PayHalal covers payments according to the fundamentals Islamic , details what all Muslim owned businesses need to know about shariah compliant internet payments, and offers specific guidance depending on your business model.

Improve conversions and reach more Muslim customers.

  • Muslim Customers expect to engage in an Islamic way across channels and how they make a purchase needs to be consistent their religious requirements . (Take online retail for example, Muslim customers may expect it to be free of RIBA (usury) and gharar (ambiguity or speculation) and goods , services sold must be halal this applies to both online and in-person purchases.) PayHalal being the world’s 1st Shariah Compliant payment is better positioned to provide Muslims added surety when buying and paying online payments .This funnel can increase conversions, and adding the PayHalal payment methods can expand your pool of potential Muslim customers.

87% of Muslim customers abandon a purchase if the checkout process is not compliant to Shariah/ Halal, too complicated —and most Muslim customers do not want to pay with conventional credit cards and through conventional payment gateway . In fact, Muslim customer preferences are indoctrinated deeply in the Quran ( Muslim Holy book)and halal compliance.

PayHalal will share best practices to increase conversion and explain the types of Islamic payment methods your Muslim customers want and expect. Learn more about :

  • Designing the best Shariah Compliant checkout
  • Managing Shariah non compliant risk online
  • Improving network acceptance
  • Islamic payment methods digital wallets and bank debits and online transfers like ACH; “Islamic buy now, pay later”
  • Islamic industry terms and their definitions

Contact us for further information- pat@payhalal.my

Merchants Verified by PayHalal Enjoys 60% Higher sales transactions from Muslim Shoppers.

Verified by PayHalal Merchant Best Practices

Verified by PayHalal program is designed to help to verify the identity online halal , Islamic merchants in real time, to provide added surety for Muslim shoppers when they shop with a PayHalal verified Merchant , this is extended to the protection of shoppers personal password or other identity data.

Verified by PayHalal provides our Merchants customers an extra level of surety and security so they can shop for halal goods and Islamic services online without was-was (confidence).

The necessity of online shopping for Muslims is growing in every country. Now with Verified by PayHalal, your Muslim customers’ trust in your halal business and secure wakalah checkout process can increase your off take volume .

It’s a service offered exclusively to PayHalal’s halal , Islamic merchants and it’s a proprietary service that is not available with any other payment gateways.

To help guide your shoppers through the Verified by PayHalal authentication process, it’s important to employ these best practices:

mankind, eat from whatever is on earth [that is] lawful and good and do not follow the footsteps of Satan. Indeed, he is to you a clear enemy (al-Quran 2:168).

Verified by PayHalal Merchant Branding can help you to achieve your sales goal

√ Verified by PayHalal Merchant Symbol –

creates Muslim consumer preference to buy at your online store.

√ Verified by PayHalal pre-messaging –

educates your Muslim shoppers and raises their trust level with Verified by PayHalal.

√ Verified by PayHalal authentication messaging –

helps prepare your Muslim shoppers for the Verified by PayHalal authentication process.

√ Verified by PayHalal authentication page – a professional page enhances Muslim shoppers confidence.

More and more Muslim consumers are becoming halal conscious and familiar with Verified by PayHalal and how it protects them when making an online purchase. Muslim shoppers may now look for the Verified by PayHalal Merchant Symbol on online sites and have more confidence buying halal goods and services from Verified by PayHalal merchants.

Why Halal goods and Income is important to Muslims how it effects their lives and how it will improve the cash flow of a PayHalal Verified Merchants.

Eating from haraam earnings is a sin,

For a Muslim halal and haram is very clear so those merchants supplying to Muslims should observe the following or they will loose the trust of their Muslim shoppers. Muslims observe the following:

✔️Earn Halal.

✔️Eat Halal.

✔️Sell Halal.

✔️Drink Halal.

✔️Buy Halal.

✔️Deal Halal.

The Prophet ﷺ Warned!

“No flesh grows that was nourished by that which is unlawful but the Fire is more appropriate for it.”  At-Tirmidhi (558)

The Prophet ﷺ Said : haraam earnings is one of the things that prevent du‘aa’s and righteous deeds from being accepted.

Muslim (1686)

“O people, verily Allah is Good and does not accept anything but that which is good. Allah has enjoined upon the believers that which He enjoined up on the Messengers, as He says: ‘O messengers, eat from the good foods and work righteousness. Indeed, I, of what you do, am Knowing’ [Qur’an 23:51] 

”O you who have believed, eat from the good things (Halal) which We have provided for you’ [Qur’an 2:172].

The Prophet ﷺ Said: ”Allah never rejects the Dua of a traveler.”

Then he mentioned a man who has travelled on a long journey and is dishevelled and covered with dust; he stretches forth his hands to the heaven, (saying) “O Lord, O Lord”, but his food is haraam (from haraam earnings), his drink is haraam, his clothing is haraam, he grew up nourished from haraam earning, so how can his du’aa’ be accepted?” Muslim (1686)

Therefore it is an advantage to visually display Verified by PayHalal seal by making simple, visual adjustments to your site pages, you can assure your Muslim shoppers about your halal Verified status and commitment .

The Verified by PayHalal Merchant Symbol communicates that a merchant participates in Verified by PayHalal, is guaranteed halal and shariah compliant this provides Muslim customers the added surety to do business with a Verified by PayHalal-enabled merchant.

Muslim Consumers may be influenced to buy on a merchant site that is Verified by PayHalal-enabled rather than one that is not. Verified by PayHalal can contribute to increased sales and increased market share for a merchants in the halal space .

Participating merchants are required to place the Verified by PayHalal “Learn More” Merchant Symbol on the checkout page on which shoppers enter their card ,online banking or eWallet account number .

The messaging also provides a further halal verification and surety to the Muslim shoppers , beyond the presence of the Verified by PayHalal logo on your site that indicates you are a halal and shariah compliant merchant.

PayHalal verified seal is an added surety for Muslim consumers at the point of purchase.

For further information on verified by PayHalal write to

pat@payhalal.my

Importance of PayHalal in e-commerce

Verified Merchants under go stringent halal audit before we onboard them as a merchant

Why is it so important for a Muslim to strictly consume Halal?

Consuming Halal is an order of Allah and an essential part of the Islamic faith. Allah has repeatedly emphasised the consumption of Halal in His book. The following are some examples of such verses:

1. “O Messengers, eat from the pure foods and work righteousness” (Holy Quran 23:51)

2. “O you who have believed, eat from the pure things which we have provided you” (Holy Quran 2:172)

3. “O mankind, eat from whatever is on earth (that is) lawful and pure” (Holy Quran 2:168)

4. “So eat of that (meat) upon which Allah’s name has been mentioned, if you are believers in His verses” (Holy Quran 6:118)

5. “And do not eat that upon which the name of Allah has not been mentioned, for indeed it is a grave disobedience”. (Holy Quran 6:121) 

By being careless about the halal and shariah laws of Islam a believer puts himself in harms way both in this world and the world hereafter.

In this world, due to in taking such a product he deprives himself from having any of his good deeds and duas accepted by his creator while in the hereafter he suffers the greatest loss ever imaginable i.e. refusal from being admitted to Paradise .

All this is confirmed in the following traditions:

1. Abu Hurairah RA related,” Allah’s Messenger PBUH said: Verily Allah is pure and He accepts only what is pure and indeed Allah has given those orders to the believers, which he has given to the Messengers. He has said, “O Messenger, eat from the pure foods and work righteous”. He -also- has said: “O you who have believed, eat from the pure things which we have provided you.” Then (the Prophet PBUH) made mention of a man who undergoes a lengthy journey in a state that he is dishevelled and dusty. He spreads his hands towards the sky (calling), “O my lord, O my lord”, however his food is Haram, his drink is Haram, his clothes are Haram and he has been nourished with Haram! So how will his call be answered?” (Muslim)

2. S’ad RA relates: Allah’s messenger PBUH said “O S’ad purify your food (and as a result) you will become one who’s supplications are accepted. I swear by He in whose hands the soul of Muhammad PBUH lies, verily a servant (of Allah) tosses a Haram morsel in his stomach (due to which) no deed is accepted from him for 40 days” (Tabarani)

3. Abu Baker RA narrated that Allah’s Messenger PBUH said “That body will not enter Paradise which has been nourished with Haram” (Baihaqi)

4. Ka`b Ibn Ujrah relates that the Prophet of Allah (PBUH) said, “a body nourished with Haram will not enter Jannah”. (Tirmidhi)

5. Jabir RA reported, Allah’s Messenger PBUH said, “That flesh will not enter Paradise which has grown from Haram, and all that flesh which has grown from Haram, the fire (of hell) is more worthy of it.” (Ahmed, Darimi, Baihaqi)

6. Abu Hurayrah (RA) reports that the Prophet of Allah (PBUH) said, “a time will come upon the people wherein a man will not bother what he intakes; whether from Halal source or Haram.” (Bukhari)

Halal Surety at very click . Only halal sku gets approved for check out this done through a comprehensive halal database from all around world managed by PayHalal AI

In the millennium , it becomes even more important to ensure the meat and poultry even financial transactions online and offline is genuinely Halal due to the execessive deceit, cheat and false labelling of Halal in the e-commerce platforms .

More than 20 places in the Al-Quran it has been mentioned the importance of consuming Halal foods

• It is the Divine Command

• Clean and Healthy

• Pure and Wholesome

• Nutritious and Good Quality

• Dietary Assurance

• Halal money

Around the world, people choose to eat clothe , trade or avoid certain foods and financial transactions depending on their religious belief.

Some beliefs have been followed for centuries and are well established as part of life.

Consequences of Consuming  Haraam food and money

• Lost of Modesty

• Interest towards Ibaada will be lessened & inclination towards evil deed will be increased

• Duas will not be answered

• Ibadah will not be accepted

There is no doubt that one of the obligations upon the Muslim is that he earn for himself and his family a pure and halal sustenance. Abu Hurayrah narrated that the Prophet SAW said:

“O People! Allah is al-Tayyib (Pure), and He only accepts that which is pure! Allah has commanded the believers what He has commanded the Messengers, for He said, ‘O Messengers! Eat from the pure foods, and do right,’ and He said, ‘O you who believe! Eat from the pure and good foods We have given you.'”

Then the Prophet SAW mentioned a traveller on a long journey, who is dishevelled and dusty, and he stretches forth his hands to the sky, saying, “O my Lord! O my Lord!” – while his food is unlawful, his drink is unlawful, his clothing is unlawful, and he is nourished unlawfully; how can he (expect to) be answered? 

It is noticed in this hadith that the PProphet SAW emphasised this person’s impure earnings by detailing the fact that his food, clothes, drink and nourishment were all obtained from the impure.

From this hadith, we learn that both the prophets and the believers have been commanded to eat from the tayyibdt, or the pure things. Purity is achieved when one earns his sustenance in a halal manner, and then uses it to buy halal food. So, if a person buys pure food from stolen money, this will not be accepted from him. Likewise, if one earns money from permissible means, then uses it to buy impermissible items, such as intoxicants, this too will not be accepted from him. Only when both of these conditions have been met – the way one earns money and the way one spends it – will Allah’s acceptance be gained.

Therefore PayHalal subscribed to a number of narrations in the Quran that signify that earning through halal is an obligation upon every Muslim.

It is because of this that Islam encourages earnings through trade and working.

In the digital age trading in e-commerce is encouraged because it is one of the best ways that a person can ensure earning pure sustenance as long the shariah principles and halal compliance are fully observed .

There are two aspects to halal sustenance, the first involving earning through halal means (as discussed above), and the second entailing spending only on halal items so as to ensure purity in what a person eats, drinks and is nourished on.

Wisdom from the ancient times.

The Companions, too, were careful about how they earned their sustenance. Once, a servant of Abu Bakr’s came to him with some food, so he ate from it. The servant then asked him, 

“Do you know where this came from?” He replied, “From where?” The servant responded, “I practised astrology once in the times of Jahiliyyah — even though I am not an expert in it, except that I managed to trick the other person. So he paid me, and gave me what you ate!” 

Hearing this, Abu Bakr put his finger in his mouth and forced himself to vomit up the food, until there was nothing left in his stomach.

In yet another indication of the piety of the early generations, Sa’ad ibn Abi Waqas, one of the famous Companions of the Prophet SAW, was once asked, “Why is it that your prayers are responded to, amongst all of the other Companions?

” So he replied, “I do not raise to my mouth a morsel except that I know where it came from and where it came out of.”

In conclusion, the Prophet SAW gave an example contrasting the person who takes from this world excessively, not caring how he earns his money, with the person who takes from it moderately, ensuring that his earnings are halal. Prophet SAW said,

“What I fear for you after me (is) what will be given to you from the magnificence and beauty of this world, except that good never brings about evil. The fruits that are harvested in spring cause death (for the animal that eats it), or brings it close to death, except for the one that eats khadir. So when it (the animal) eats this until its stomach is full, it faces the sun and releases its bowels and urinates (i.e., with ease), then pastures again. And verily this money is enticing and sweet.

PayHalal is the only Wakalah Bai Al Ujrah payment gateway that acts as the agent for the seller by ensuring everything is compliant to halal and shariah so when you as a Muslim buy from a PayHalal verified merchant you can can be certain all is halal.

Every online transactions are done with PayHalal Smart Aqad at a click

So how great is the Muslim companion (to it), who gives it to the poor and the orphan and the way-farer. So he who acquires it justly, and puts it in its proper place, then how great a helper it is! But he who takes it unjustly, is like the one who eats but is never satisfied, and it will be a witness against him on the Day of Judgement.”

PayHalal eliminates Riba through purchase transactions, uncertainty and all elements of gambling.

For further information please write to pat@payhalal.my

THE HALAL INDUSTRY. DOES IT REALLY AFFECT MALAYSIA’S ECONOMY?

BY FLY: MALAYSIA  •  9 MONTHS AGO

0COMMENT1LOVE

The world has seen the rapid growth of the halal industry in recent years. The halal product market is expected to grow by 28% from 2016 to 2022. The market segmentation of the halal industry has extended to non-muslim as well. It turned the halal industry to be inclusive for both Muslim and non-muslim. As a result, it is now very common to see the development of the halal industry in non-Muslim countries. The obvious example is the HFCE (Halal Food Council of Europe) has certified over 400 European food companies. This is expected to bring halal into the global mainstream (Mordor Intelligence, 2020a).

As for the halal scene in Malaysia, Malaysia’s halal industry contributed about 7.5% of Malaysia’s GDP in 2017. This big amount of percentage that the halal industry has contributed to Malaysia’s GDP shows that Malaysia is successful in utilizing the potentials it has as a Muslim majority country. In addition, these facts will be very interesting to observe as the halal industry is now regarded as the engine of economic growth. Hence this paper will generally examine the development of the halal industry in Malaysia. It will start by defining the halal industry. The next part will discuss briefly regarding the halal industry worldwide and will be continued by the overview of the halal industry in Malaysia and how it affects the economy.

A. Introduction

The existence of the halal industry has become a debate among some groups of people. Some people argue that the halal industry emerged just for economic purpose. Others argue that its existence is demand for halal products has forced the halal industry to expand its scope into a variety of products and services, such as medicines, cosmetics, tourism, finance, and even fashion. This phenomenon is caused by raising awareness among Muslim about what can be consumed and not. Indeed, this expansion is very helpful to the Muslims. The other factor that makes the halal industry a big business is the estimated increase in the Muslim population. According to the Pew Research Centre, the number of Muslims worldwide is expected to increase by 75% from 1.6 billion in 2010 to 2.8 billion in 2050. According to the Oxford dictionary, the word halal can be defined as meat from an animal that has been killed according to Muslim law. It also refers to something acceptable according to Muslim religious law. Based on these two definitions, it is clear that halal refers to a set regulation based on Islamic law that helps Muslim to distinguish what to eat, use or consume and also the substance and the process of making products or delivering services are the determinant factors that determine whether the products or services are halal or not. Based on the explanation above, the halal industry can be defined as an industry that conducts its business in accordance with Islamic regulation.

To produce a halal product, there are two things to be considered, which are the substance and the process. Based on Islamic law, some substances are substance is prohibited in nature, such as dog and pork. While other non-prohibited substance must go through several processes to be halal. For example, a cow must be slaughtered in accordance with Islamic procedures before being consumed by Muslim, otherwise, it will be prohibited to be eaten. This concept applies to all food products in any form, consumer goods including cosmetics, personal care products and pharmaceuticals. It also applies to the process of trade or commerce and to activities in the services sector (SMEinfo, 2018). 

The growing. This shows that the demand for the halal industry will likely increase in the future. In addition, the demand for the halal industry will likely increase in the future due to the estimated increase of the Muslim population. According to the Pew Research Centre, the number of Muslims worldwide is expected to increase by 75% from 1.6 billion in 2010 to 2.8 billion in 2050. The growing demand for halal products has forced the halal industry to expand its scope into a variety of products and services, such as medicines, cosmetics, tourism, finance, and even fashion

B. An overview of the Halal industry worldwide

The spending on halal products can be used as one of the indicators to measure the development of the halal industry in the world. According to the State of the Global Islamic Report 2019/2020 by DinarStandard, the world spending on halal products will likely increase with a projected CAGR growth of 6.2% from 2018 to 2024. The table below shows the expected growth of world spending or assets in six different economic sectors from 2018 to 2024.  

From the table above, it can be seen that all the economic sectors of the halal industry will have a positive trend in the near future and none of them will grow with a rate below 5.5%. Although the main consumer of the halal products is the Muslim population in Muslim majority countries, some sectors in the table above are dominated by Muslim minority countries. For example, in terms of halal food, Brazil and Australia are the leading countries in meat and live animal exports to Organization of Islamic Cooperation (OIC) countries with $5.5 billion and $2.4 billion respectively. Despite standing above the rest, Brazil has faced a lack of compliance with Halal standards (Ashfaq, 2018b). In March 2017, Brazilian federal police announced that health officials had allegedly been paid off by influential meat companies to ignore various abuses that may have compromised the safety and certification of food products being sent to virtually every corner of the world. In the immediate aftermath of the scandal, Saudi Arabia temporarily suspended Brazilian beef and poultry imports (Newsweek). To tackle this issue, the commonly accepted standards among certification bodies globally must be made in order to avoid duplicate certification costs and reduce complexity (State of the Global Islamic Economy Report 2018/19).

Furthermore, for halal clothing, the “made in china” product topped the list of halal clothing exporter to OIC countries worth $10.6 billion. This amount left a wide gap with the second position, led by India with $3.1 billion and followed by Turkey with $2.3 billion. China also played an important role in halal media and recreation export. This sector is mainly divided into three parts, which are: a). toys, games and sport, b). printed books, newspaper and picture, and c). photographic or cinematic goods. China led the race with $3.6 billion and followed by the USA with $556 million and the UK in third place with $450 million. The same goes with the next two sectors, halal pharmaceutical and halal cosmetics where the domination of exporting countries to OIC still belonged to the western countries. Germany, French, and the USA are the key players in halal pharmaceutical exporter to OIC with $5.1 billion, $4.4 billion and $3.5 billion consecutively. And the top 5 countries in exporting halal cosmetic products to OIC countries are French ($2.6 billion), UAE ($1.2 billion), Germany ($1.1 billion), USA ($1 billion), and China ($0.8 billion).

The domination of some Muslim minority countries in particular economic sectors of the halal industry clearly indicates that the halal industry still has room for development even in a country with a lesser population of Muslim.

C. The halal industry in Malaysia and how it affects the Malaysia economy

The development of the halal industry in Malaysia started in 1974 when the Research Centre for Islamic Affairs Division started issuing halal certificates. Over the years, this country has recognized the urgency and potential of the halal industry. The establishment of the Halal Industry Development Corporation in 2006 demonstrated the strong willingness of Malaysia to be the leading country in the halal industry. This agency is under the Ministry of Economic Affairs and is responsible for coordinating the overall development of the halal industry in Malaysia (HDC Global). 

The government support to advance the halal industry in Malaysia is clear. The most recent and obvious proof is the Halal Industry Master Plan (HIMP) 2008-2020, in which its vision is to make Malaysia as the global halal hub. The desired outcome of this policy is to make Halal as the new source of economic growth (MITI). Other than that, Malaysia also hosts two of the most important annual events in the halal industry, namely the Malaysia International Halal Showcase (MIHAS) and the World Halal Forum (WHF). Both play a pivotal role in building the country’s reputation as the global reference and trade centre for the new mainstream halal industry since 2003 (Visit Malaysia 2020). Moreover, the seriousness of Malaysia to be the global halal hub is also demonstrated by the establishment of Halal Park, a community of manufacturing and service businesses located on common property with the aim of preserving the integrity of halal products. From 2010 to 2017, the total investment in Halal Park has reached MYR 13.27 billion and it has received a total of 14 Halmas throughout Malaysia. Halmas is an accreditation given to the Halal Park operator who has successfully complied with the requirement and guidelines stipulated under the HDC Designated Halal Park development. In relation to that, the Malaysian government has set tax incentives to promote the attractiveness of Halal Park for certain products, such as livestock and meat production, probiotics, speciality processed food, pharmaceuticals and nutraceuticals, cosmetics and personal care, and halal ingredients (HDC Global).

The result of the government’s efforts to advance the Halal Industry in Malaysia can be seen from both the contribution to GDP and halal exports value. In terms of the contribution to Malaysian GDP, the halal industry experiences a positive trend in recent years. In 2017, it contributed 7.5% to Malaysian GDP and it is expected to increase by 1.2% this year or the contribution will be 8.7%, according to Economic Affairs Ministry’s Service Industry Section director Dr Khalid Abdul Hamid (The Star, 2019). 

For halal exports, the number of Malaysia’s halal exports experienced a gradual increase from 2010 to 2018. However, in 2018, it slightly declined from the previous year due to the challenging time in the palm oil industry, including the lower palm oil derivatives, Hanisofian Alias said (The Malaysian reserve, 2019). The chart below shows Malaysia’s Halal Export value from 2014 to 2018. 

Source: Halal Industry Development Corporation (HDC). 

Despite the amount of halal export increased in 2017 from the previous year, the percentage of halal export contribution to Malaysia’s total export value decreased in the next two consecutive years. This is due to the rapid increase in the total value of Malaysia’s export. In 2016, the contribution to Malaysia’s total export is 5.3% with the total export MYR 787.0 billion. The next two years account for 4.6% with MYR 935.4 billion and 4.0% with MYR 998.0 billion consecutively. 

In addition, the full support from the Malaysian government towards the halal industry development facilitates Malaysia to be the leading country of the Global Islamic Economy Indicator. This indicator gives a comprehensive picture of which countries are currently best positioned to address the multi-trillion-dollar global opportunity. It measures the strength of the Islamic economy for 73 countries, across supply and demand drivers, governance, awareness and social considerations, and is a weighted composite of 49 important metrics (State of the Global Islamic Economy Report 2019/20). Two Middle Eastern countries are tailing Malaysia in the first position, which is UAE in the second and Bahrain in the third place. 

Conclusion

The world has recognized the halal industry as the new engine of economic growth. It can be seen from the increase of halal products in many countries which is not limited only to Muslim majority countries. Indeed, halal is not perceived as a mere label by its user. The use of the halal label identifies that certain products have good standards and quality. Many countries that have recognized the urgency of the halal industry and its potential are now racing to be the top of halal product providers. It is also an effort to cope with the market demand that gradually increased in recent years. 

Furthermore, within the next four years, there will be an increase in the consumption of halal products throughout the world. Even countries with a small Muslim population are predicted to be the main players in the halal industry. For example, Brazil and China where they will be the main exporters of halal meat and clothing to OIC countries. 

Malaysia as the leading Global Islamic Economy Indicator has a longstanding journey of halal industry dating from 1974. Through the Halal Industry Master Plan (2008-2020), Malaysia is aiming to be the global halal hub. To achieve that goal, Halal Industry Development Corporation (HDC) is established and one of the bold movements under HDC is the establishment of Halal Park. In fact, HDC has contributed positively to the growth of Malaysia’s halal export value. It is proven by the significant increase in terms of halal export value by 163% from MYR 15.2 billion in 2010 to MYR 40 billion in 2018. It will help this country to have a greater competitive advantage, bring in higher wages and increase job opportunities. Other than that, the significance of HDC is emphasized by the forecasted increase of the halal industry contribution toward Malaysia’s GDP to 8.7% in 2020 from 7.5% two years earlier. Furthermore, Halal Park with its tax incentives has contributed to a huge number of investments in the halal industry, which is MYR 13.27 billion from 2010 to 2017. It also has a total of 14 Halmas (Halal Park operator) throughout Malaysia. It means that more jobs emerged as a result of Halal Park. In addition, Malaysia must maintain this positive trend and increase its efforts in order to always cope with market demand. 


References 


Researcher: Rif’at Abdillah 
Editor: Chee Hor

Download the article: The Halal Industry. Does it really affect Malaysia’s economy

KEWAJIBAN SHALAT JUM’AT

Oleh Ustadz Abu Isma’il Muslim al-Atsari

يَا أَيُّهَا الَّذِينَ آمَنُوا إِذَا نُودِيَ لِلصَّلَاةِ مِنْ يَوْمِ الْجُمُعَةِ فَاسْعَوْا إِلَىٰ ذِكْرِ اللَّهِ وَذَرُوا الْبَيْعَ ۚ ذَٰلِكُمْ خَيْرٌ لَكُمْ إِنْ كُنْتُمْ تَعْلَمُونَ Hai orang-orang beriman, apabila diseru untuk menunaikan shalat Jum’at, maka bersegeralah kamu kepada mengingat Allâh dan tinggalkanlah jual beli, yang demikian itu lebih baik bagimu jika kamu mengetahui. [al-Jumu’ah/62:9]. Kewajiban shalat Jum’at merupakan kewajiban besar setiap pekan. Dan al-hamdulillâh banyak kaum Muslimin nampak memperhatikan hal ini. Namun dalil dan perincian dalam masalah ini banyak yang belum mengetahuinya. Inilah sedikit keterangan tentang ayat yang memerintahkan shalat Jum’at tersebut. TAFSIR AYAT Firman Allâh Subhanahu wa Ta’ala : يَا أَيُّهَا الَّذِينَ آمَنُوا Hai orang-orang beriman… Imam al-Qurthubi rahimahullah berkata, “Firman Allâh ‘hai orang-orang beriman’ adalah pembicaraan kepada orang-orang mukallaf[1] dengan ijma’ dan keluar dari pembicaraan ini, yaitu orang-orang sakit, lumpuh, musafir, budak, dan wanita dengan berdasarkan dalil.”[2] Imam Ibnu Katsir rahimahullah berkata, “Sesungguhnya orang-orang yang diperintahkan menghadiri Jum’at hanyalah laki-laki merdeka; bukan wanita, budak, dan anak-anak. Dan diberi udzur (atau dima’afkan; yakni, tidak wajib bagi): musafir, orang sakit, pengurus orang sakit, dan halangan-halangan semacamnya, sebagaimana ini disebutkan dalam kitab-kitab furu’ (fiqih)”.[3] Adapun dalil perkataan Ulama di atas antara lain adalah sabda Nabi Shallallahu ‘alaihi wa sallam : الْجُمُعَةُ حَقٌّ وَاجِبٌ عَلَى كُلِّ مُسْلِمٍ فِي جَمَاعَةٍ إِلَّا أَرْبَعَةً عَبْدٌ مَمْلُوكٌ أَوْ امْرَأَةٌ أَوْ صَبِيٌّ أَوْ مَرِيضٌ Jum’at itu wajib bagi setiap Muslim dengan berjama’ah, kecuali empat (golongan), yaitu; hamba sahaya, wanita, anak-anak dan orang yang sakit.[4] Hadits ini juga menunjukkan bahwa berjama’ah merupakan syarat shalat Jum’at. Imam Ibnu Abi Syaibah rahimahullah meriwayatkan dari Ali bin Abi Thâlib Radhiyallahu anhu, ia berkata: لاَ جَمَاعَةَ يَوْمَ جُمُعَةٍ إِلاَّ مَعَ الإِمَامِ Tidak ada jama’ah (shalat Jum’at) pada hari Jum’at kecuali bersama imam.[5] Firman Allâh Ta’ala: إِذَا نُودِيَ لِلصَّلَاةِ مِنْ يَوْمِ الْجُمُعَةِ apabila diseru untuk menunaikan shalat Jum’at… Yang dimaksudkan dengan seruan di sini adalah adzan Jum’at ketika khatib naik mimbar dan duduk di atasnya, sebagaimana dilakukan pada zaman Nabi Shallallahu ‘alaihi wa sallam . عَنْ السَّائِبِ بْنِ يَزِيدَ قَالَ كَانَ النِّدَاءُ يَوْمَ الْجُمُعَةِ أَوَّلُهُ إِذَا جَلَسَ الْإِمَامُ عَلَى الْمِنْبَرِ عَلَى عَهْدِ النَّبِيِّ صَلَّى اللهُ عَلَيْهِ وَسَلَّمَ وَأَبِي بَكْرٍ وَعُمَرَ c فَلَمَّا كَانَ عُثْمَانُ رَضِيَ اللهُ عَنْهُ وَكَثُرَ النَّاسُ زَادَ النِّدَاءَ الثَّالِثَ عَلَى الزَّوْرَاءِ. قَالَ أَبُو عَبْد اللَّهِ الزَّوْرَاءُ مَوْضِعٌ بِالسُّوقِ بِالْمَدِينَةِ Dari as-Saib bin Yazid, ia berkata, “Dahulu pada zaman Nabi Shallallahu ‘alaihi wa sallam , Abu Bakar dan ‘Umar Radhiyallahu anhuma , adzan pada hari Jum’at pertama kalinya adalah ketika imam sudah duduk di atas mimbar. Tatkala ‘Utsmân Radhiyallahu anhu (menjadi khalifah, Pen.) orang-orang bertambah banyak, beliau Radhiyallahu anhu menambah adzan ketiga di Zaura”. Abu Abdillah (Imam al-Bukhâri rahimahullah ) berkata, “Az-Zaura’ adalah nama satu tempat di pasar Madinah”. [HR al-Bukhâri, no. 870]. Disebut adzan ketiga karena adzan itu adalah tambahan dari adzan di depan imam setelah naik mimbar dan iqamat shalat. Imam Ibnu Katsir rahimahullah (8/122) setelah menyebutkan hadits di atas, mengatakan, “maksudnya adalah adzan itu dikumandangkan di atas sebuah rumah yang disebut az-Zaura`, dan az-Zaura’ adalah rumah yang paling tinggi di Madinah di dekat masjid.”[6] Firman Allâh Subhanahu wa Ta’ala : فَاسْعَوْا إِلَىٰ ذِكْرِ اللَّهِ maka bersegeralah kamu kepada dzikrullâh (mengingat Allâh). Syaikh Abdurahmân as-Sa’di rahimahullah berkata, “Allâh Azza wa Jalla memerintahkan para hamba-Nya, orang-orang Mukmin, untuk menghadiri shalat Jum’at dan bersegera kepadanya, dan memperhatikannya sejak adzan shalat kumandangkan. Yang dimaksud dengan sa’i di sini, adalah bergegas kepadanya, memperhatikannya dan menjadikannya kesibukan terpenting. Maksudnya bukan berlari, karena perbuatan ini terlarang ketika pergi menuju shalat.[7] Nabi Shallallahu ‘alaihi wa sallam mengancam orang-orang yang wajib menghadiri shalat Jum’at tetapi tidak mendatanginya dengan ancaman yang keras, sebagaimana diriwayatkan dari Abdullâh bin Umar Radhiyallahu anhuma dan Abu Hurairah Radhiyallahu anhu bahwa keduanya mendengar Rasûlullâh Shallallahu ‘alaihi wa sallam bersabda di atas mimbarnya: لَيَنْتَهِيَنَّ أَقْوَامٌ عَنْ وَدْعِهِمْ الْجُمُعَاتِ أَوْ لَيَخْتِمَنَّ اللَّهُ عَلَى قُلُوبِهِمْ ثُمَّ لَيَكُونُنَّ مِنْ الْغَافِلِينَ Hendaklah orang yang suka meninggalkan shalat Jum’at menghentikan perbuatan mereka, atau benar-benar Allâh akan menutup hati mereka, kemudian mereka benar-benar menjadi termasuk orang-orang yang lalai. [HR Muslim]. Kemudian bahwa yang dimaksud dengan dzikrullâh (mengingat Allâh) dalam ayat ini adalah shalat Jum’at dan khutbahnya. Imam Qurthubi rahimahullah berkata, “Firman Allâh ‘menuju dzikrullâh’ yaitu shalat. Ada yang mengatakan khutbah dan shalat. Ini dikatakan oleh Sa’id bin Jubair. Ibnul ‘Arabi berkata, ‘Yang benar bahwa semuanya wajib, yang pertama adalah khutbah. Ini adalah pendapat para Ulama kita kecuali Abdul-Mâlik bin al-Majisyun; ia berpendapat (mendengarkan) khutbah itu sunnah. Dalil wajibnya mendengarkan khutbah adalah khutbah itu menyebabkan jual beli menjadi haram. Seandainya khutbah tidak wajib, niscaya ia tidak akan menyebabkan jual beli menjadi haram, karena sesuatu yang mustahab (sunah) tidak menyebabkan yang mubah menjadi haram.”[8] Firman Allâh Ta’ala: وَذَرُوا الْبَيْعَ dan tinggalkanlah jual beli. Imam Ibnu Katsir rahimahullah berkata, “Yaitu bersegeralah menuju dzikrullâh dan tinggalkan jual-beli ketika adzan (Jum’at) telah dikumandangkan. Oleh karena itu, para Ulama –semoga Allâh meridhai mereka- bersepakat tentang haramnya jual-beli setelah adzan kedua. Namun Ulama berbeda pendapat, apakah jual beli itu sah (atau) tidak ?! Jika ada yang melakukannya. Mereka terbagi menjadi dua pendapat. Zhahir ayat (menunjukkan) bahwa jual beli itu tidak sah sebagaimana telah dijelaskan di dalam tempatnya (kitab fiqih, Pen.). Wallâhu a’lam”.[9] Walaupun ayat ini memerintahkan agar meninggalkan jual-beli, tetapi bagi orang yang berkewajiban melaksanakan Jum’at juga harus meninggalkan semua pekerjaan setelah adzan dikumandangkan. Imam al-Alûsi rahimahullah berkata, “Yaitu, tinggalkan mu’amalah (intraksi atau pekerjaan antar sesama manusia), karena jual-beli merupakan majaz (kiasan) dari mu’amalah, sehingga mencakup menjual, membeli, sewa-menyewa, dan bentuk-bentuk mu’amalah lainnya. Atau (kata) jual-beli menunjukkan (perbuatan) yang lainnya berdasarkan dalil nash, dan kemungkinan ini yang lebih utama. Perintah (untuk meninggalkan mu’amalah, Pen.) ini menunjukkan wajib, sehingga semua itu (mu’amalah ketika adzan berkumandang) haram. Bahkan telah diriwayatkan dari ‘Atha` Radhiyallahu anhu, keharaman kesenangan yang mubah (pada asalnya), suami menggauli istrinya, menulis tulisan juga (diharamkan).”[10] Imam al-Qurthubi rahimahullah berkata, “Allâh Azza wa Jalla secara khusus menyebut jual-beli, karena jual-beli pekerjaan yang paling banyak dilakukan oleh orang-orang pasar. Namun orang yang tidak wajib menghadiri shalat Jum’at maka tidak dilarang dari jual-beli”.[11] Firman Allâh Azza wa Jalla : ذَٰلِكُمْ خَيْرٌ لَكُمْ إِنْ كُنْتُمْ تَعْلَمُونَ yang demikian itu lebih baik bagimu jika kamu mengetahui. Syaikh Abdurahmân as-Sa’di rahimahullah berkata, “Yang demikian itu lebih baik bagimu dari pada kesibukanmu dengan jual-beli dan kamu kehilangan shalat wajib yang termasuk kewajiban yang besar. Jika kamu mengetahui bahwa apa yang ada di sisi Allâh itu lebih baik dan lebih kekal, dan bahwa orang yang lebih mementingkan dunia dari pada agama, maka ia telah merugi dengan kerugian yang sebenarnya, dari arah yang ia menyangka akan mendapatkan keuntungan. Dan perintah meninggalkan jual-beli ini ditetapkan waktunya (yaitu) selama shalat”.[12] WANITA YANG SHALAT DI RUMAH Wanita tidak diwajibkan shalat Jum’at, namun dibolehkan mengikuti shalat Jum’at di masjid. Jika wanita shalat sendiri di rumahnya maka ia shalat Zhuhur, sebagaimana laki-laki yang tidak bisa mengikuti shalat Juma’t. Syaikh Abdul-‘Aziz bin Bâz rahimahullah pernah ditanya, “Jika aku tidak shalat Jum’at bersama jama’ah di masjid, apakah aku shalat di rumah dua raka’at dengan niat Jum’at atau aku shalat empat raka’at dengan niat Zhuhur?” Beliau rahimahullah menjawab, “Barangsiapa tidak menghadiri shalat Jum’at bersama umat Islam karena ‘udzur (halangan) syar’i, berupa sakit atau sebab-sebab lainnya, (maka) ia shalat Zhuhur. Demikian juga wanita (yang tidak menghadiri shalat Jum’at), (maka) ia shalat Zhuhur. Demikian juga musafir, penduduk padang pasir/desa (yang tidak menghadiri shalat Jum’at), maka mereka shalat Zhuhur. Hal itu ditunjukkan oleh Sunnah (Nabi), dan ini merupakan pendapat mayoritas ulama; (sedangkan) orang yang menyelisihi dari (pendapat) mereka tidak dianggap. Demikian juga orang yang sengaja meninggalkan shalat Jum’at, lalu ia bertaubat kepada Allâh Ta’ala, (maka) ia melakukan shalat Zhuhur”.[13] Syaikh Muhammad bin Shâlih al-‘Utsaimin rahimahullah juga pernah ditanya: “Berkaitan dengan shalat Jum’at bagi wanita, berapa raka’at yang dikerjakan wanita yang shalat di rumahnya? Syukran”. Beliau menjawab: “Jika wanita shalat bersama imam di masjid, (maka) ia melakukan shalat seperti imam. Namun jika wanita shalat di rumahnya, (maka) ia melakukan shalat Zhuhur, empat raka’at”.[14] MAKMUM MASBUQ DARI SHALAT JUM’AT Makmum masbuq (tertinggal) dari shalat Jum’at yang masih mendapatkan raka’at imam, maka ia menggenapi raka’at yang kurang. Seseorang dianggap mendapatkan raka’at imam jika mendapatkan ruku’ bersama imam. Namun jika ia sudah tidak mendapati raka’at imam, maka ia melakukan shalat empat raka’at, yaitu shalat Zhuhur, karena ia telah kehilangan jama’ah yang merupakan syarat shalat Jum’at. Hal ini sebagaimana penjelasan dari banyak ulama, antara lain sebagai berikut. 1. Imam Ibnul Mundzir rahimahullah berkata di dalam kitab al-Ausath (4/100): “Sebagian Ulama berkata, ‘Barangsiapa mendapati satu raka’at dari shalat Jum’at (bersama imam, Pen.), (maka) ia manambah satu raka’at lagi. Jika ia (makmum masbuq, Pen.) mendapati mereka (imam dan makmum) duduk (tasyahud), (maka) ia shalat empat raka’at (yaitu shalat Zhuhur, Pen.). Demikian ini dikatakan oleh Ibnu Mas’ud, Ibnu ‘Umar, Anas bin Mâlik, Sa’id bin Musayyib, al-Hasan, asy-Sya’bi, ‘Alqomah, al-Aswad, ‘Urwah, an-Nakha’i, dan az-Zuhri”. Kemudian Ibnul-Mundzir menyebutkan riwayat-riwayat itu dengan sanad-sanadnya.[15] 2. Ibnu Mas’ud Radhiyallahu anhu berkata, مَنْ أَدْرَكَ الرَّكْعَةَ فَقَدْ أَدْرَكَ الْجُمْعَةَ وَمَنْ لَمْ يُدْرِكِ الرَّكْعَةَ فَلْيُصَلِّ أَرْبَعًا Barangsiapa (dari makmum masbuq, Pen.) mendapati satu raka’at (dari shalat Jum’at bersama imam, Pen.), (maka) ia telah mandapatkan Jum’at. Dan barangsiapa tidak mendapatkan Jum’at, hendaklah ia shalat empat raka’at (yaitu shalat Zhuhur, Pen.).[16] 3. Ibnu ‘Umar Radhiyallahu anhu berkata, إِذَا أَدْرَكَ الرَّجُلُ يَوْمَ الْجُمْعَةِ رَكْعَةً؛ صَلَّى إِلَيْهَا أُخْرَى، فَإِذَا وَجَدَهُمْ جُلُوْسًا؛ صَلَّى أَرْبَعًا Jika seorang laki-laki (dari makmum masbuq, Pen.) pada hari Jum’at mendapati satu raka’at (dari shalat Jum’at bersama imam, Pen.), (maka) ia menambah lagi satu raka’at. Namun jika mendapati mereka duduk (tasyahud), (maka) ia shalat empat raka’at (yaitu shalat Zhuhur, Pen.). [Riwayat Abdur- Razaq dalam al-Mushannaf, 3/234, sanadnya shahîh][17]. PETUNJUK AYAT Di dalam ayat yang mulia ini terdapat berbagai petunjuk, antara lain: 1. Kewajiban shalat Jum’at bagi laki-laki dewasa, merdeka, sehat, dan mukim. 2. Kewajiban bersegera menuju dzikrullâh dengan berjalan tenang. 3. Keharaman jual-beli dan mu’amalah lainnya bagi orang yang wajib Jum’at setelah adzan berkumandang. 4. Bagi wanita atau laki-laki yang tidak mengikuti shalat Jum’at atau tertinggal, maka melakukan shalat Zhuhur. 5. Urgensi ilmu di dalam ketaatan kepada Allâh. Demikian sedikit penjelasan seputar kewajiban shalat Jum’at, semoga bermanfaat. Wallâhu a’lam bish-shawâb.

Referensi: https://almanhaj.or.id/4135-kewajiban-shalat-jumat.html