اقساط پر فروخت کے مروجہ کاروبار میں خامیاں اور ان کا شرعی حل

Issues in Installment Sales in Prevailing Business Practices and their Shariah-Compliant Solutions

Abstract

Installment sales have become increasingly prevalent in modern society, driven by intense competition among producers and limited consumer purchasing power. As consumers seek goods without the financial means to pay cash upfront, companies have developed innovative marketing strategies to expand their customer base. This study conducts a comprehensive review of the installment sale process, examining existing practices and their Shariah compliance. The primary objective is to identify defects and flaws in current installment sales methods and provide Shariah-compliant solutions to address these issues. This study employs an analytical approach to examine the current practices of sales on installments through the lens of Islamic teachings, as encapsulated in the Qur'an, Hadith and scholarly opinions of Muslim theologians. Utilizing a qualitative research methodology, this study will gather data from secondary sources, including books, articles and online resources, to provide a comprehensive understanding of the topic. By doing so, this research aims to promote confidence in Shariah-principled transactions, mitigate doubts and ensure the validity of installment sales practices.