AWAS BAHAYA! Ini yang Terjadi Jika Haji Pakai Dana Talangan Haji | Ustadz Erwandi Tarmizi

🚨 BEWARE OF DANGER! Listen to an in-depth explanation of the law on hajj advance funds from Ustadz Dr. Erwandi Tarmizi, MA which will open our eyes to this problematic sharia banking practice! In this very important Islamic lecture, Ustadz Erwandi Tarmizi provides a comprehensive study of muamalah fiqh on why hajj advance funds contain elements of usury and can cause hajj to be invalid. He explains in detail how the combination of qard (loan) contracts with ijarah (administrative service) contracts has been forbidden by the Prophet ﷺ, and reveals the surprising fact that this 10% administration fee is actually usury in disguise. The Ustadz also discusses the impact of damage that has occurred on earth due to violations of Allah's law, including the emergence of a hajj queue of up to 40 years which is detrimental to Indonesian Muslims. 💡 Watch this Islamic lecture video until the end to get enlightenment on the law of Hajj advance funds, and don't forget to subscribe for the latest Islamic study updates from the Sunni Ustadz! 🔗 Subscribe Channel: https://tinyurl.com/3yu5cmfn Timeline Chapters: 00:00 Opening - Questions about Hajj Advance Funds 00:30 Explanation of Hajj Advance Fund Mechanisms 01:43 Impact of Damage Before and After Advance Funds 03:17 Problems of the 40-Year Hajj Queue 04:44 The Innate Longing of Humans to Make a Pilgrimage to the House of Allah 07:29 Legality of the DSN Fatwa and Doubts about its Permissibility 08:13 Hadith on Hajj with Halal vs. Haram Assets 10:17 Analysis of the Form of Hajj Advance Fund Contracts 11:43 Details of Advance Fund Costs and Administration 13:41 Calculation of the Percentage of Administration Costs 15:33 Jurisprudence Review - Prohibition of Combining Contracts 16:59 Examples of Similar Cases - Online Motorcycle Taxis and Middlemen 19:26 Wisdom of the Prohibition of Qard Contracts and Ijarah 21:24 Differences with Separate Transactions 25:48 Ijma Ulama on the Prohibition of Merging Contracts 29:20 Criticism of Islamic Banking Practices 31:13 Appeals and Solutions for the Ummah Hashtags: #Hajj Advance Fund #Islamic Law #Islamic Studies #UstadzErwandiTarmizi #UsuryHaram ═ ... 📖 BEST ISLAMIC DIGITAL PRODUCTS: Get the collection ebooks, study templates, and quality digital da'wah materials at: 👉 Ebook COMPLETE PRAYER GUIDE - From Takbir to Dhikr Afterwards According to the Sunnah: https://lynk.id/ceramahustadzupdate/9... 👉 Ebook COMPLETE GUIDE TO LEAVING MUSIC - Valid Evidence from the Qur'an & Hadith: https://lynk.id/ceramahustadzupdate/8... 👉 Ebook COMPLETE GUIDE TO MARRIAGE FIQH - From Khitbah to Married Life: https://lynk.id/ceramahustadzupdate/w... ══════════════════════════════════════════════ ⚠️ DISCLAIMER: This video is intended for preaching and education. If there are any errors in the delivery, please correct them with good manners. 🔗 RELATED CONTENT: • Fiqh of Prayer:    • Kajian Islam Tentang Sholat   • Umrah Study:    • Kajian Islam Tentang Umroh   • Hajj Study:    • Kajian Islam Tentang Haji   • Prayer & Dhikr:    • Doa & Dzikir   • Fasting Study:    • Kajian Islam Tentang Puasa   • Fiqh Eid al-Adha:    • Fiqh Hari Raya   • Qurban Study:    • Kajian Islam Tentang Qurban   📱 FOLLOW US: • Subscribe for the latest lecture updates • Share if useful • Turn on the notification bell 🤲 SUPPORT DAKWAH: If you wish, support this channel by subscribing and sharing it with family and friends. ═══════════════════════════════════════ 📧 Contact email: [email protected] ══════════════════════════════════════════════════