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Jangan Remehkan Utang! Ini Balasan Siksa Kubur

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Jangan Remehkan Utang! Ini Balasan Siksa Kubur

Jangan Remehkan Utang! Ini Balasan Siksa Kubur

Jangan Remehkan Utang! Ini Balasan Siksa Kubur

Tidak patut bagi seorang muslim untuk meremehkan urusan utang atau mengecilkan perkaranya apalagi sampai lalai dalam melunasinya. Banyak dalil dalam hadits yang menunjukan bahaya mangkir dari utang. Disebutkan jika seorang yang sudah meninggal akan tertahan oleh utangnya hingga dilunasi.

Imam Ahmad meriwayatkan dari Sa’ad bin al-Athwal radhiyallahu ‘anhu dia berkata, “ Saudaraku wafat dan meninggalkan 300 dinar. Beliau meninggalkan pula anak kecil. Maka aku ingin menginfakkan hartanya kepada anak kecil tersebut.

Namun Rasulullah shallallahu ‘alaihi wa salam bersabda kepadaku, " Sungguh saudaramu tertahan oleh utangnya. Pergi dan lunasi utangnya." Beliau berkata, " Aku pergi dan melunasi utangnya."

Kemudian aku datang dan berkata, ‘Wahai Rasulullah, aku telah melunasi utangnya kecuali seorang perempuan mengklaim memiliki piutang atasnya sebanyak 2 dinar, namun dia tidak punya bukti.’ Beliau bersabda, ‘Berilah dia karena dia seorang yang jujur.’” [Musnad Ahmad 4/136, dan dinyatakan shahih oleh al-Albani dalam Shahih at-Targhib no 1550]

Beliau meriwayatkan pula dari hadits Abu Hurairah radhiyallahu ‘anhu dia berkata, Rasulullah shallallahu ‘alaihi wa salam bersabda:

“ Jiwa seorang muslim tergantung selama ada utangnya.” [Musnad Ahmad 2/440, dan dinyatakan shahih oleh al-Albani dalam Shahih at-Targhib no 1811]

Oleh karena itu wajib atas muslim jika memiliki utang hendaknya bersegera melunasinya sebelum dia dijemput kematian, agar jiwanya tidak ditahan dengan sebab utangnya serta tergadai dengannya. Apabila seseorang tidak memiliki utang maka hendaklah memuji Allah Subhanahu wa Ta’ala atas afiat yang didapatkannya. Lalu menjauhkan diri dari berutang selama tidak ada kebutuhan yang mengharuskan atau kondisi darurat yang memaksa. Hendaknya seseorang menyelamatkan diri dari kerisauan utang, mengistirahatkan dirinya dari akibatnya dan mengamankan diri dari dampak negatifnya.

Dalam al-Musnad dari hadits Uqbah bin Amir, sesungguhnya Rasulullah shallallahu ‘alaihi wa salam bersabda, “Jangan kamu menakuti diri-diri kamu sesudah keamanannya.” Mereka berkata, “Apakah itu wahai Rasulullah?” Beliau bersabda, “Utang.” [Musnad Ahmad 4/146, dan dinyatakan shahih oleh al-Albani dalam as-Silsilah ash-Shahihah no 2420]

Yakni, jangan terburu-buru kepada utang, sehingga kamu menakuti diri kamu dari konsekuensi dan akibatnya. Kita mohon kepada Allah afiat, keselamatan dan petunjuk kepada semua kebaikan.
Apa yang Diucapkan Orang yang Memiliki Hutang

At-Tirmidzi meriwayatkan dalam Sunannya, dari Ali bin Abi Thalib radhiyallahu ‘anhu, bahwa seorang budak mukatab (budak yang membuat perjanjian dengan tuannya untuk menebus dirinya secara berangsur-angsur) datang kepadanya dan berkata, “Sungguh aku sudah tidak mampu menunaikan tebusan diriku, maka bantulah aku.” Beliau berkata, “Maukah aku ajarkan kepadamu kalimat-kalimat yang diajarkan Rasulullah shallallahu ‘alaihi wa salam kepadaku, sekiranya engkau memiliki utang seperti gunung Tsabir, niscaya Allah Subhanahu wa Ta’ala akan melunasinya untukmu.” Beliau melanjutkan,

قُل: اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ وَ أَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ

“Katakan, Allahummak finii bihalaalika ‘an haraamika wa aghninii bifadhlika ‘amman siwaak (Ya Allah, cukupilah aku dengan yang halal-Mu daripada yang haram-Mu, dan jadikanlah aku tidak butuh dengan sebab karunia-Mu dari siapa pun selain-Mu).” [Sunan at-Tirmidzi no 3563, dan dinyatakan hasan oleh al-Albani dalam Shahih at-Targhib no 1820]

Ini adalah doa agung yang diucapkan orang yang memiliki utang dan dia tidak mampu melunasinya. Apabila dia mengucapkannya dan memberi perhatian atasnya, niscaya Allah akan melunasi utangnya bagaimana pun besar jumlah utang itu. Meski ia sebesar gunung, seperti disebutkan dalam hadits. Hal itu karena kemudahan di tangan Allah dan khazanah-Nya senantiasa penuh tidak pernah berkurang akibat nafkah. Barangsiapa bernaung kepada-Nya,  niscaya Dia akan mencukupinya. Barangsiapa mohon pertolongan kepada-Nya, niscaya Dia beri pertolongan dan petunjuk.

Budak mukatab tersebut datang kepada Ali radhiyallahu ‘anhu mengeluhkan kelemahannya dan ketidakmampuannya menunaikan bebannya berupa harta untuk majikannya agar dirinya dimerdekakan, maka beliau radhiyallahu ‘anhu menunjukinya doa yang agung ini yang beliau dengar dari Rasulullah shallallahu ‘alaihi wa salam, lalu beliau menjelaskan pula keagungan faidah dan besarnya hasil bagi orang yang mengucapkannya. Yaitu Allah akan melunasi utangnya bagaimana pun banyaknya. Beliau berkata, “Maukah aku ajarkan kepadamu kalimat-kalimat yang diajarkan kepadaku oleh Rasulullah shallallahu ‘alaihi wa salam, sekiranya engkau memiliki utang seperti gunung Tsabir, niscaya Allah akan melunasinya untukmu.” Pernyataan ini mengandung iming-iming besar dan motivasi bagi pendengar, serta anjuran untuk terus-menerus mengamalkan doa yang mengandung berkah tersebut, agar si hamba terbebas dari utang yang dipikulnya dan terbebas dari kegelisahan yang telah mengeruhkan perasaannya dan menyibukkannya.

Lafazh ‘Ya Allah, cukupilah aku dengan yang halal-Mu daripada yang haram-Mu’ dikatakan, ‘Dia dicukupi sesuatu dengan secukupnya’ yakni, merasa cukup dengannya tanpa butuh kepada selainnya. Dia meminta kepada Allah untuk menjadikannya merasa cukup dengan yang halal dan tidak butuh lagi kepada yang haram.

Lafazh ‘Dan jadikanlah aku tidak butuh dengan sebab karunia-Mu dari siapa pun selain diri-Mu’ yakni, jadikanlah karunia-Mu yang Engkau limpahkan kepadaku serta nikmat dan kebaikan yang Engkau anugerahkan kepadaku, menjadikanku merasa tidak butuh lagi kepada selain-Mu. Aku tidak lagi berhajat pada selain-Mu dan aku tidak bernaung kepada sesuatu selain Engkau.

Di sini terdapat keterangan bahwa seorang hamba hendaknya menyerahkan urusannya kepada Allah, berpegang kepada-Nya semata, mohon pertolongan-Nya, bertawakal dalam seluruh urusannya kepada-Nya dan cukuplah Dia sebagai wakil.

Menjadi keharusan disamping doa hendaknya melakukan sebab-sebab, upaya sungguh-sungguh untuk melunasi utang, tekad yang jujur untuk menunaikannya, serta bersegera kepada hal itu secepatnya ketika kondisi memungkinkan melunasinya. Lalu bersungguh-sungguh mewaspadai sikap mengulur-ulur dan menunda-nunda. Sebab orang seperti itu sangat patut untuk tidak diberi pertolongan. Adapun orang yang hatinya senantiasa risau oleh utang dan dia memiliki niat jujur untuk melunasinya, niscaya Allah Subhanahu wa Ta’ala akan melunasi utang itu untuknya.

Imam Bukhari meriwayatkan dari Abu Hurairah radhiyallahu ‘anhu dia berkata, “Rasulullah shallallahu ‘alaihi wa salam bersabda, ‘Barangsiapa mengambil harta benda manusia dan dia ingin melunasinya, maka Allah akan melunasi untuknya. Dan barangsiapa mengambilnya dan dia ingin membinasakannya, maka Allah juga akan membinasakan dirinya.’” [Shahih Bukhari no 2387]

Imam Ahmad meriwayatkan dari Aisyah radhiyallahu ‘anha, dia berkata, “Rasulullah shallallahu ‘alaihi wa salam bersabda, ‘Tidak seorang hamba pun memiliki niat untuk melunasi utangnya melainkan untuknya pertolongan dari Allah.’” [Al-Musnad 6/72, dan dinyatakan shahih oleh al-Albani dalam Shahih at-Targhib no 1801]

Kemudian an-Nasa’i meriwayatkan dari Maimunah radhiyallahu ‘anha, dari Nabi shallallahu ‘alaihi wa salam dia bersabda, “Tidak seorang pun yang memiliki suatu utang lalu Allah mengetahui darinya bahwa dia ingin melunasi utangnya, melainkan Allah akan melunasi untuknya di dunia.” [Sunan an-Nasa’i 7/135, dan dinyatakan shahih oleh al-Albani dalam Shahih al-Jaami’ no 5677]

Apabila hamba jujur dalam tekadnya dan niatnya benar, niscaya akan mudah urusannya. Allah mendatangkan padanya kemudahan dan kelapangan dari arah tak terduga. Barangsiapa benar tawakalnya kepada Allah, maka Allah akan menjamin dengan pertolongan-Nya dan meluruskan urusannya serta melunasi utangnya.

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