Channel: Bilal Dannoun
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Come to the lab. Behind me was Salatu was Salam ala Sayidina Muhammad wa ala alihi wa sahbihi edge many operations due to Allah hippie the Peace and blessings of Allah be upon Allah the Prophet Mohammed, Salah love mining He will send them and upon all those who follow His guidance to follow his footsteps to follow his methodology and to the last day, my respective brothers and sisters in Islam salaam aleikum wa rahmatullah wa barakato.
Today inshallah tada another story from amongst the stories of Prophet Muhammad sallallahu alayhi wa sallam them as we continue with our once upon a time series. Today's story or Hattie's prophetic tradition or integration is found in Sahih Bukhari and
the author of this collection has reproduced his hobbies that were mentioned this in several places, at least seven places in Sahara. It was seven chapters, you will find this story because it relates to different areas, different topics. And the narrator of this Huggies the law we have the Hadith is none other than Abu hurayrah.
Allah subhanho wa Taala plays with him, he mentions what he heard from the Prophet sallallahu alayhi wa sallam. Now the Prophet peace be upon him commences his story, saying that a man of the tribe of Bungie slightly so it's an Israelite story, a story of the past that is not related to the time of the Prophet sallahu it was sentiment. So a man of the tribe of abundantly strong, he, he asked another person
also from the tribe have been able to lend him 1000 dinars. He wanted to borrow 1000 dinar. Now dinar is a currency in this day and age from dollars and cents. So
in in that time, the currency was dinars. And
so when he asked
when he was
when the money when it was asked for them for the loan, he said, Bring me witnesses so I can have witnesses. So the creditor, the one who's the money's being borrowed from it's asking for witnesses. So that, you know, of course, in the future, if there's any dispute that you can always go back to the witnesses and say, Well, look, there are there are witnesses, I have witnesses that some point that this man borrowed money from me, and we'll talk about that in a short while when we did use the lessons from this happy.
So it says bring me witnesses so I can have testimony. So what does the the person borrowing say? He says a lot is enough as a witness, Allah is my witness. I don't have any witnesses to bring upon a lot is my witness that I have borrowed this money from you.
So he says to him, okay, then can you bring me surety? Can you bring me a guarantor? You know, in this day and age, like the movies or something that I can guarantee they'll guarantee me that I can give back my money
in case that you don't pay up, maybe a piece of wealth or property or person that can guarantee guarantee that I get back this money. So he says to him, Allah is enough as a surety unless my guarantee. Again, he's referring everything back to the Creator, he's referring everything back to God Almighty to Allah subhana wa Tada. So, the creditor, he says, You have spoken the truth. You have spoken the truth, what you have said allows the witness Alhaji parents talk you have spoken the truth, and he limited to him for a fixed term. you lent him the money the 1000 dinars is if you can follow this for a fixed period of time.
So the time is fixed, the amount was fixed. And then what happens is that this man, he sits out
over the sea to accomplish what he wanted.
And then he, the time came, and he looked for a boat, which he could sail so that he can arrive back to meet the deadline that he had set. And he couldn't find any boats. So now you can just picture this is he's on the show. He's on the water, and he has to get to the other side to pay the creditor to pay them the money that he has borrowed.
And he there is no vote and that means he's going to be late in pain.
Back when he promised to pay back at a certain date. So what did he do? He took a piece of wood.
And he borrowed or he made a hole in it. And he put the 1000 dinars, he put it in the hole, he started pretty much into the whole of this piece of wood or a lot. And he also added a note,
you know, maybe, you know, you could message in a bottle with this message in a piece of wood.
And say, put it in and he
makes sure if it was it was feeling quite, you know, well in this piece of wood, and he sent him the note. And he closed up the hole, and he took it down to the sea. And he said, Yeah, Allah, again, always referring back to Allah, what was going back to the creator of love, you know, that I borrowed 1000 dinars from so and so. And he asked me for surety, and I said a lot is enough as surety. And, and he was satisfied with you. And he asked me for a witness. And I said a lot is enough, as a witness, and he was satisfied with you. I have tried to find a boat to send him what he's owed, but I have not been able to find one vehicle I have interested in to you. This is called
when you put your trust in Allah,
Allah, Allah Subhana, WA Tada.
So through the piece of wood into the sea, until it disappeared into the distance,
when he left and began to look for a ship, to return to this country.
Now, the men who had lent the money, the creditor, the manager, and he went out looking to see if a ship had come with it, he knew that the menace is coming back on a Saturday, looking out for a ship looking after this man, businessman, and there's nobody in sight.
And then what does he come across? You can tell me, he comes across the piece.
he sees he takes he takes down a piece of wood
for what? He actually takes a piece of wood. But what do you want to do with a piece of wood? Has anyone heard this? Before anyone had this happen?
I think one person has, because we tend to forget the title of this heading a sense, I sent it to the one of the organizers, as I normally do, to tell them what victory so they can design. They can design a poster or you know, advertisement for it. And the misc. The hidden as you know, is the man who borrowed 1000 dinars and the extraordinary repayment.
And then I looked up the website, and I saw the picture. And again, this person knows the heading
because the picture really says it all. Otherwise, I didn't
see or buy a piece of wood, so we'll learn.
So he takes the wood to use it as firewood, sees a piece of wood.
If we take this with me take it back home, I can use it as firewood. So what does he do? So nice, probably a chunky piece of wood when you think you can
chop it up. But how is he going to store it. So he soars the piece of wood again, and he discovers the money and the note.
Then the one who had borrowed it arrives. And he comes to he comes to see this man. And it comes to him with 1000 dinars. He has no idea anything about the woods and whether it's been received by the credit side of a person he borrowed that money off or not. And he says to me about law. I tried to find the modes to bring you your money, but found none. But I didn't find one.
Before the one I came. This is the first book that I found. I'm very sorry that I'm late.
So the man says to him, he says to him, did you send me anything? Did you send me anything? He said I told you that I found no ship before the one I came in.
So he says to him of law has delivered for you that which you sent in the woods. So go in right guidance together with your 1000 dinos. The hubby is found in southern Ohio so very authentic.
Huggies. But there's no doubt about the authenticity and the veracity of this tradition of this radical Prophet sallallahu alayhi wa sallam. Today inshallah, I want to share with you a sense for eight points that we can deduce that we can derive, or extract from this very beautiful tidy,
The first point one of the first lessons in the shovel trying to think of some of the lessons while I'm going through these points, try and get yourself into the habit of really reflecting upon a story and how we can extract how many lessons can we extract because remembering that the Prophet sallallahu alayhi wa sallam is not just narrating the story, just for the sake of it, there are models, there are lessons.
The first pool of wisdom, or POW first poll that was done is we learn about the existence of righteous people in the in the past who feel alone. There are always people that every time and a place that reveals that feeds and a conscious of Allah is illegitimate. And they're the opposite. There are those who are very evil in the waves. So we learned that yes, as we can see here, two people and one is mentioning Allah's Name and put in depending on Allah while the other is accepting Allah as a witness accepting Allah azza wa jal as a guaranteed tool. So, do not think that pious people, all the people who fear about or reveal Allah, only those who are found in the religion of
Islam are the followers of Prophet Mohammed assassin and they were the followers of other prophets of the past, who received a lot of a journal and who honored the symbols of a muscle panel dial and the richness of the teachings of a month.
So we find that one of the one of the main he would lend out money to people seeking rewards from Allah and accepting a lot as a witness and as his guarantor, the other man we see, we see his honesty, and we see his keenness on repaying the loan on time and turning to Allah Subhana more dialogue, this is the first pull of wisdom.
The second POW is that it is legislated to borrow money.
In a span, in a span you are allowed to borrow. This is something which is permissible and is encouraged to be linked, it is encouraged to lending to letting others and you'll find lots of text for animals to support this. So, Islam allows the only loan as a form of social service among the rich to help the poor and those who are in need of financial assistance doesn't have to be to the point where a person is in need of some financial assistance. Now, a loan in a stem may be obtained by way of a conditional access loan without any compensation or gift. So, we call this innocent man, we call this a goodly learn or we call it
the Arabic terminology is called Hassan,
Hassan and this word
is mentioned or this phrase is mentioned in many places in the Quran and mentally you call
upon has center Call Center
gratuitous loan, the term economy means a beneficial so it's a beneficial line or a benevolent loan or interest free loan a beautiful loan.
is derived from Arabic word
which means to cut,
it is called as it becomes a certain part of the lenfest property by giving loan to the borrower.
has been the word has been what this person may have said is an Arabic word which originates from extend what is extending extend means kindness towards others
said needs to be kind to others.
So, the Prophet sallallahu alayhi wa sallam in Sahih Muslim he said, the inmates of the paradise or agenda are three types.
One who wields authority when you hold authority, and it's just
very important. If you
of authority leadership, that you adjust and that you are fair towards those who are under your cake, or those who are under you.
One who is truthful, and has been endowed with power to do good deeds.
And the person who is merciful and kind hearted towards his relatives, to every pious Muslim, and he does not stretch out of his hand in spite of having a large family to support. So
one of one of those inhabitants agenda are those who are kind to people,
merciful towards others compassionate, who display empathy and sympathy. This is what the stem is about. It's all about these type of teachings.
Now, what I must emphasize when it comes to loans is that Islam does not recognize any loan with interest for the benefit of the dentist. So for example, in this plan, you cannot lend
somebody money and set them up to 1000. And you repay me $1,100. That extra $100 is called request. For English, it's referred to as interest or user.
So this is how they can't be any big benefit to the lender. The one who is who is actually giving the money has is my title to a find a benefit, we can set an example Okay, I'll lend you this 1000 and you repay me 1000. And you also need to give me a gift.
You can do this, you can stipulate more than what you have been taxing your legs at 1000, you receive 1000.
In a moment above the the desktop or the person who has borrowed the money the borrower, he's allowed to offer a gift. So I'm going to pay you back your 1000. And hey, come here, I also want to give you this is $100 gift from me, you can do this,
or this is a gift, that's fine, because it wasn't stipulated in the contract, and it wasn't coming from the creditor.
So what are the objectives of our person? What are the objectives of a beneficial loan is plan emphasizes to make brotherhood and sisterhood amongst the Muslims. And the main principle of brotherhood and sisterhood is to care and share.
Share with each other. So there's a lot of there's a lot of benefits and objectives and outcomes that come about through another person, whether it is helping the needy for people to establish better relationships between the poor and the rich.
The mobilisation of wealth among all people in the society. It's strengthens the national economy,
establish a caring society, it could even create new jobs,
citizens benefits it can even eradicate unemployment problems from society. It can
it can be also a missionary work for our activities by giving a custom to the normal students who might be attracted by knowing that
you're allowed to go to non
Muslims, it can remove social and economical discrimination
from society. And obviously there is a reward for you in the hereafter. There was in the New Yorker and again, the Quran and the Sunnah talks about as I said,
and in the Hadith, which is found the second Muslim, the Prophet sallallahu alayhi wa sallam
said, Whoever believes a believer
from a difficulty in this world,
Allah will relief for him his difficulty and Allah will facilitate him in this world and the world of the hereafter.
So if you want for a glass of panel data to look after you during a challenging time, a challenging chapter, a difficult moment in your life, it is always encouraged to be helping others so that when the time comes, and you are in need,
that Allah subhanaw taala will look after you. At the very least, he will look after you
when when it counts the most next on the roster.
So, there's a lot of benefit to, to give out loans. inshallah,
I want to talk about some of the rules related to fraud related to giving out loans to people, I think it's very important because it happens a lot people borrow, you know, people borrow money all the time from others. What is what does Islam have to say, guys? What is it this theme that has left no stone unturned, say about loans and loan transactions, I wanted to share with you some, some principles or some rules related to this, so we don't fall into error and whatever, shallow dive.
So a contract in Islam is known as APA, APA, a contract. And APA is between two people where there is an E jab with a baboon, there is an E jab, there is an offer and an acceptance. And that's why you find the chapter to do with marriage. The second to do with marriage is found in the topic of marriage and strengthen the chapter of transactions of transaction. Because of this, each app is an offer and acceptance whereby the money or whereby the father of the bride, or representative offers in marriage, and there is an acceptance.
So let's talk about some of these principles, the first principle that I want to mention is that both parties should be legally capable to enter into the contract into the into this transaction. Now it is unanimously it is unanimously agreed by the four schools of thought, by that I mean, the Hanafi school of thought the champagne American Humphrey School of thought
that to enter into a contract parties needs to be valued
an athlete in Russia, okay.
In the Hadith, he said,
he said that the pain, the pain is raised for three groups of people. So in other words, there are three groups of people that are not accountable, they will not be held accountable.
And he mentioned, he mentioned me, he said,
they will not be responsible for the actions and they are insane. Until then we can say if a person is inside, he does something he's not accountable, because it is insanity.
The second person,
those who are sleeping and to the other person does something dreamless sleep,
they are not to be held accountable.
And the third one is the youth until they reached puberty.
That's when the accountability happens is having standing about 10 million others. So this habit makes it clear that a person
who has not attained the age of puberty
may not be a responsible party for a transaction.
The second rule or principle is that the job offer and the acceptance of the job must be clearly made before entering into the loan contract, there needs to be transparency, it needs to be very clean the the terms and the conditions.
And again, all four schools of thought agree upon that each app should be clearly indicated in the contract, otherwise, the loan contract may create dispute in the future.
Be very clear
about your transaction by the contract. In the loan agreement, they should have they should be clear expression, you know, collation in conjunction of the EGF and kabu between the partners. The third principle that I want to share with you is the date of payment must be specified the date of payment, that's very important, when is the due date again, so it doesn't create any problems in the future, the person can just come up with let's say the Hong Kong company came into the company with the payment three months on this date.
The fourth principle is that the loan contract should be written down it should be written
and it should have been around
280 to a loss of power God has said the translation of which is a you have believe when you do with each other in transactions involving future obligations for a fixed period of time. And then you put them in writing. To go back to go there is a there is a command here to write write down.
To write down you will learn the contract.
Now the Muslim jurists the Muslim scholars have a default on this condition and the majority of the Muslim scholars
They said that it is not obligatory, but it is strongly recommended that it's nice to have. So there's some difference of opinion about the rights.
There are those who say obligatory, who said that is.
Now the wisdom behind writing down, of course, is to avoid any future, disputation, any good any future disputes can be eradicated and removed if you've got them in writing.
The next another. Another important principle is to have two witnesses.
To have two witnesses, for the
regarding this one. And again, there is a Quranic injunction that
the witnesses have to make to male witnesses. If two men are not available, then one men and two women,
one men and two women,
will have the same effect as Allah subhana wa garland.
This is a game of, of luck, too long verse.
And in this verse, it says, and get it to witnesses out of your own men, and if there are not two men than men and two women, so this comes from coming from a large surgeon.
As I said earlier about the about paying extra,
it is very clear that in the loan agreement, there will be no condition for extra payment. Otherwise, if there is a condition for extra payments, this is called rebel
It is however advisable now it's advisable for the delta
to give some sort of gift to the creditor, as a token of appreciation for a voluntary deed. Because when somebody makes you money, that's a voluntary thing. It's not obligatory, to lend anybody money.
And there is a hadith
that the Prophet sallallahu alayhi wa sallam had borrowed a young female from someone.
And when he received the cat with camels, he ordered He said, The narrator
said, he ordered me to send a young female camel to the man a settlement of the loan. So he borrowed the young female problem, he said, he returned to him the female the young female, Kevin.
So other author says,
I could not find among the camels except a female camel, which is ready for pregnancy. So it was an older It was so therefore, that's all I've got to give him too often.
So the prophet SAW said, I said to him, he said, Give it to him.
Give it to him in the the good person among you is He Who settles loan with something better.
So you can settle with better our to give you more, I want to give you an extra, thank you so much for your kind gesture, and you went out of your way for me to form your wealth. You can't
come from your wealth, but your property for me, I want to give you back something extra. So getting back a better camera, which shows that it is permissible to give back to give that extra as long as as I said earlier, the creditor does not there's no agreement in the initial in the initial contract.
As for there is a statement
kulu call them
which shows benefit is delivered every line which shows the credit benefit is really bad. This is not a Huggy if you ever come across a certain thing, this is a hockey. This is just a principle derived from the Huggies that any line if you take this as the principal if you if you offer
a person alone and you want something as a in addition to this loan, that's
that's the basic principle.
So it is allowed to have to pay extra. Another issue is another must alert that comes another matter is early demand to pay back
Let's say for example, the creditor comes back, the creditor comes back to,
to the borrower, and he says,
I want more money now. And it's called the to date. What happens in this case?
So, the case is, the borrower does not have to pay him back at that time, because that's not part of the agreement.
you to have belief, fulfill your contracts,
fulfill your contracts, fulfill your agreements. as Muslims, we must fulfill our agreements.
And this is found there, which is the fifth chapter, and verse, the first verse, verse one,
and then a hadith. The Prophet sallallahu alayhi wa sallam, he said, Muslims are bound by the conditions, except a condition that changes talent into harm or harm.
You find this.
So the process that I'm here is saying that you are bound by your condition that you stipulate
unless that condition
violates the teachings of extent,
unless it's a condition, which changes how then that producible into hora, which is prohibited or changing the prohibited into halon, which is permissible.
So as Muslims on our premiums, you can come back and ask for your money and say to the person, I'm in need of that amount of money
to back early if the person says, No, I'm not in any position
to put pressure on that see, there is an initial agreement.
Another principle is to do with guarantors
in the case of a company,
they can be guarantors.
And the guarantors of the borrower, may be any person or the property of the Loni that is collateral security such as mortgage, a charge etc. So you can you can have as a mortgage, you can actually have something, for example, when the Prophet sallallahu alayhi wa sallam
he, he, he borrowed he borrowed from a Jew.
And the guarantor here was a piece of armor,
and this piece of military armor, and that he had
given this to the Jude as a guarantee,
in case any other pain or something happens to me, he can take this, and you can benefit from it, you can sell it, and you know, that's fine.
So, you know, you can say, oh, I'll lend you $1,000. But what about if you'd have to pay me?
I've got such a such person. He'll be my guarantor, if I don't pay you to come and see him all the time. Is my mobile phone. Okay, it's worth $1,000. You can and you can you can take this apart and pay you on time. Let's see. Okay. So
in the case of the borrower was fairly dependent upon after the expiration of the term specified he's guarantor has to pay on the collateral security is to be valued for the repayment of the loan. That's basically how it works. So then we're just a few principles that I wanted to share with you regarding loans. Given that we're talking about a loans alone with this story. Let's go on to the third lesson that we can deduce from this story. It is legislated to take witnesses and guarantors for loans and the teachings of Islam in those in those these have as I said earlier, when I spoke about the principles that there are differences of opinion, whether it's obligatory or the it is
recommended. The fourth lesson that we can deduce from this story is a lesson in Taku Taku means dependence on a foster parent data and putting your trust always returning back to God. It is all of our successes and all everything that happens to us in this life is from time to time. So we need to remember inshallah tada to always have a positive attitude, and to be optimistic when we are dealing with Allah subhanho wa Taala.
The man had complete dependence on a muscle power the time and the money reached its owner in an extraordinary manner.
The fifth lesson
Is the obligation of fulfilling your agreement in paying back your loans on time.
As we saw in the story, this man was very particular, and was very concerned about, about the loan being paid back on time. To the extent that he even, you know, put the money into a piece of wood. And he sends it off over he, he was really looking out for a boat, he made every effort. And even after he put the money into the law,
he didn't just say, Well, okay, let's see, Martha, it's up to Allah near the rest of tala, and I'm going to go back home and never see this man again. No, no, he came back to offer him another one.
So we see you can see the importance of honoring your agreements and the importance of not
mistreating any amendment anything that has been entrusted to you.
So, at this point, what I want to mention is that deliberately deliberately delaying a creditor from what he is,
this is a form of Unum. This is the form of a question. In the Hadith, which is
a Muslim, the Prophet sallallahu alayhi wa sallam he said, McLuhan evil, which means that deliberately delay a rich,
a rich person, or a person or a creditor, okay, injustice is oppression.
The sixth lesson that we can deduce from this story is that it is time to travel abroad, crossing the ocean for business. So you can, it's allowed to do business, it's encouraging the businesses I teach are.
So business transactions, whether they are in your country, or whether you want to travel abroad to do that, you are allowed to do that, even if it means traveling for non Muslim country, okay, for the sake of the business.
Number seven, it is permissible to borrow money to start up a business, or develop your business, as long as you know that you will be able to pay back the loan. So you want to start a business, you don't have money, you want to borrow money,
you want to grow your business to prosper, to develop to increase your business, you know, expanded, and you want to borrow money, no problem.
As long as you know, you have a guarantor, or you can pay back the creditor.
lesson that I want to share with you the final one is that in Islam, you are allowed to take what you find and key that has insignificant value or very little value.
This man, he found a piece of wood on the beach, on the
on the shore.
And so he took it to benefit from it.
Likewise, scholars of the past, they say you found the wind for found something very like it doesn't have much value to it, you'd like to keep it but what is the general principle regarding if you find lost items, the starting position regarding this.
And these are known as Luca, Luca is the the things that you find, there's a happy thing
whereby the prophet SAW said, he said, Make a public announcement of it for one year. So if you find something, you need to, you know, announce that somehow publicly, when he put up a notice with the you send that emails, whether you design a web page,
extreme, but you know, you might do something like this, you might want to just, you know, I found or lost and found the local paper, you know,
you need to make a public announcement for for one year, so you can't do anything with it for one year, in order to benefit from us. But the process is Heidi, she can remember the description of its container and and the string it is tied with he said utilize the money and if it only comes back after that, give it to him to utilize that money, the owner comes back.
And then suddenly, we find that the prophet SAW said that he would find a piece of data or data,
fruit date and what would prevent him from eating it is the feed that it might be from a month.
Let's say he was fine one piece of data. He would refrain from eating it only because maybe it's belongs to the soccer company and as you know as a profit
He's family, they're not allowed to benefit from Southern family.
They're not allowed to benefit themselves in their family.
So the moral that we can do just for this hubby had not been, he would have needed it. In other words, he found it
alarming, you know, little piece of sweet, whatever it might be, you have to take it and benefit from it. You don't have to go and sit there and ask for one year. You know, I found one chocolate Scout, you know, or a kitty cat, you know, or whatever your favorite chocolate
and announces something as insignificant, very trivial, you know
that these are eight lessons that we can deduce from this hadith and ask Allah subhanho Thailand to benefit us from from this story and
inshallah Tada, you've benefited from it. And I'm sure you might have other lessons to add.
But for now, we'll