Dream - Debt is usually done by someone when their condition is desperate. So, whether they like it or not, they have to borrow from others. Debt itself in Islam is not prohibited. However, the person who owes has an obligation to pay it according to the agreed time. However, sometimes paying off debt can be quite difficult. So, there are those who have to be reminded several times to pay it off soon.

Understanding the legal aspects of debt in Islam is very important for individuals and businesses who want to comply with Islamic financial principles. This includes the obligations and responsibilities of creditors and debtors, the importance of fulfilling financial commitments, and ethical considerations regarding borrowing and lending in the Islamic belief. It is crucial for Muslims to understand the legal and moral implications of debt in Islam in order to conduct their financial affairs in accordance with Sharia principles.

One way is to convert debt into the price of gold. This is done because the price of gold is considered as a stable and fair measure of value in Islam. To calculate the conversion of debt to gold, one must consider the current price of gold and adjust it to the amount of debt owned. For example, if someone has a debt of 100 grams of gold, but the current price of gold is 500 thousand per gram, then the amount of debt can be converted into a total of 50 million rupiah.

By observing the value of gold, one can pay off their debts fairly and without harming others. Gus Baha also teaches to replace debts in a better way. For example, if someone borrows 100 thousand rupiah, but when they want to repay it, they give 110 thousand rupiah as a form of better debt replacement.

The translation of the given 'Bahasa' text to 'English' while preserving any html tags is as follows: "The punishment for those who refuse to pay their debts is to be kept away from the mercy of Allah SWT and to lose the blessings of sustenance. In accordance with religious teachings, the necessary action to be taken is to promptly settle the debt according to each individual's ability. The consequences for those who refuse to pay their debts are also severe. They will face severe punishment in the hereafter. In Islamic law, debt is regulated strictly to prevent loss and injustice in society."

Riba or interest is also prohibited in Islam, so refusing to pay debts can be an action that violates religious principles. Settling debts immediately is highly encouraged in Islam, as it is a part of obedience to Allah SWT and maintaining justice in social relationships. By adhering to Islamic laws regarding debts, Muslims are expected to live in blessings and receive goodness in this world and the hereafter.

First, in the world, that person will experience shame and humiliation in front of others. Second, they will face difficulties in seeking livelihood and luck in daily life. Third, they will constantly feel restless and stressed because of unpaid debts. In the afterlife, those who do not pay their debts will face a heavier punishment. First, they will experience a very painful grave punishment.

Secondly, it will be reckoned strictly in the presence of Allah SWT and held accountable for the unpaid debt. Thirdly, it will receive punishment in hell according to the magnitude of the unpaid debt. Fourthly, it will lose the rewards of its good deeds due to the lingering debt. Fifthly, it will not receive forgiveness from Allah SWT as long as the debt is not settled.

The translation of the given 'Bahasa' text to 'English' while preserving any html tags is as follows: "Sixth, they will continue to suffer with deep regret in the afterlife. Seventh, they will be separated from those who believe and have good morals in heaven. And lastly, they will continue to receive curses and punishment from those who remain in the world. Therefore, it is very important to always strive to pay off debts on time to avoid punishment in this world and the afterlife."

"O Allah, the One who relieves worries, the One who removes sorrows, the One who answers the prayers of the oppressed, the Most Merciful in this world and the Hereafter, have mercy on me and shower me with your mercy which is sufficient for me, with the mercy of no one else. Meaning: 'O Allah, the One who removes worries, the One who erases sorrows, the One who answers the prayers of the afflicted.'"

"You are the Most Merciful to the entire world and the hereafter and you love both. You have shown me love, grant me grace that makes me not need any help other than from You."

"O Allah, I ask You to provide me with lawful, abundant, and good sustenance without difficulty, hardship, or harm, and without exhaustion or fatigue, for surely You are capable of all things."

"Allaahumma innii a'uudzu bika minal hammi wal hazan, wa a'uudzu bika minal 'ajzi wal kasal, wa a'uudzu bika minal jubni wal bukhl, wa a'uudzu bika min qahrir rijaal. Artinya: "O Allah, I seek refuge in You from distress and sadness, from weakness and laziness, from fear and stinginess, from the burden of debt and the oppression of people.""

Rasulullah saw once said, "Debts are forgiven with the presence of wealth, except for debts to Allah SWT." (HR Abu Daud). This shows that paying off debts is one of the religious obligations that must be fulfilled. In Islamic law, paying off debts is considered more important than giving charity. This is because paying off debts is the right of others that must be fulfilled immediately, while charity is more of an additional act of worship.

However, charity also has great significance, especially in cleansing wealth from greed and increasing blessings. The Prophet Muhammad once said: "Charity can extinguish the anger of Allah and charity can prolong someone's life." (Narrated by at-Tirmidzi). In paying off debts, it is best to do so sincerely and pray for Allah to make it easy for us to settle our debts.