Bilal Dannoun – The End of Riba-Interest
AI: Summary ©
The importance of Halal belief is discussed in Islam, including its clean source of wealth and terrifying haunts such as the Prophet sallhoeping and the use of baraka. The speakers emphasize the need for a positive attitude towards housing to build a successful life and avoid financial hardship. The negative impact of the pandemic on the economy and the potential for a recession are also discussed, with the speakers emphasizing the importance of being prepared for the worst-case scenario and the potential for a recession. The uncertainty of the virus and the potential for a recession to negatively impact the economy are also discussed, along with the potential for a recession to negatively impact the economy.
AI: Summary ©
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Al hamdu Lillahi Rabbil Alameen
wa Salatu was Salam ala Sayidina Muhammad wa ala early he was herby here edge Marine. All praise is due to Allah. And may the peace and blessings of Allah be upon our beloved prophet muhammad sallallahu alayhi wa sallam, and upon all those who follow His guidance, who follow his way until the last day,
my dear respected Brothers and Sisters in Islam, as salam, o alaikum, Warahmatullahi Wabarakatuh.
Know My dear brothers and sisters,
that a Muslim
is one who submit surrenders and obeys Allah azza wa jal, and Islam.
When you when I say that we are Muslims, that means we are ready to submit our will to the will of Allah subhanahu wata Allah.
Part of this submission is to avoid the limits that Allah subhanho wa Taala has said, Allah in his book, or through his prophet sallallahu alayhi wa sallam has set limits, and we should not come near these limits, and we should not transgress these limits. Allah azza wa jal says, till Catahoula Furner takanobu
They are the limits of Allah do not even come near them. Elsewhere, Allah azza wa jal says, till careful do don't
forget that I tell you who
they are the limits of Allah do not transgress them.
So, we submit, whether or not our limited intellects understand the wisdom behind these limits are not because we acknowledge that Allah azza wa jal is Al Hakim, that he is the all wise that Allah azza wa jal does not legislate a thing, except that there is a wisdom behind it. In Islam are the Brothers and Sisters in Islam.
Halal is clear and Haram is clear. Just as the Prophet sallallahu alayhi wa sallam said, in the Hadith that is found in Bukhari and Muslim in Valhalla, Yunnan, were in Al haram Albanian. He said that indeed Halal is clean and Haram is clean. Yes.
There are some matters that are dealt for in Islam. There are some doubtful matters and the Prophet sallallahu alayhi wa sallam in this very Hadith. He alluded to this, but even concerning doubtful matters. The Prophet sallallahu alayhi wa salam instructs us to avoid them in order to protect our deen and to protect our arms. Our honor.
Halal is what Allah has made permissible and Haram is what Allah subhanahu wa taala has made impermissible even if you're knifes even if your self desires desires it
and the most important Halal that a Muslim must pursue and ensure
that is void from anything Haram is our wealth, our wealth and income that nourishes our bodies. And the evidence for this is found in the hadith of sunnah Timothy, the Prophet sallallahu alayhi wa sallam said, Luca Zulu koderma I've been young Mel piano had to use an Aruba
that the two feet of a servant will not move on the Day of Resurrection, until he has been questioned about four things.
On Ohmori he female affair about his life, and how he spent it were unjust sadly, he female a blur and about his body and how he used it were unmanly him in a in a father who were female and soccer and about his wealth. Where did he earn it from and how did he spend it? One at me he mother, Army lobby and about his knowledge and what did he do about that knowledge?
In this hadith, the Prophet sallallahu alayhi wa sallam said you will be questioned about four things of the four things. One of them there are two questions pertaining to
Meet the rest, you only have one question of the four things you will be asked about your wealth. Two questions. Where did you earn it from? And how did you spend it? Or you and I really to answer these two questions about our wealth.
So my Dear Brothers and Sisters in Islam, a Muslim must ensure that he eats, he drinks he clothes Him, He clothes himself and nourishes himself and his dependents from what is halal.
In the Hadith, which is found in Sahih Muslim, the Prophet sallallahu alayhi wa sallam gives a very beautiful analogy or example.
And he says in Allah Hapa Eban lyac Baloo Illa Yeva Allah azza wa jal is good and accepts only that which is good. We're in Allah, meaning Habima Amar, Amara B Hill mousseline and Allah has commanded the believers to do that which he commanded the messengers for kala to Allah. And then he says, Allah says, Yeah, are you heard Russolo pulumi Not point EBA Tijuana and also on Neha
are messengers eight of the good things and do right Wirkkala Tyla
it gives another example from the Quran and he says yeah, are you Hannah Dina Amano Kulu tema was gonna come are you who believe it of the good things we have provided you? Then he goes on to mention the case of one who is a traveler from Medaka Raju you fail to suffer a shot above your mood do your day healer center. Yeah. Yeah.
Well my family who haram
when my struggle who haram woman vessel who haram? Well, who the bill haram. For now use the job only Dalek.
He mentions the case of a man who's on a journey. And his hair is out. It's disheveled. And he is all dusty. He's a man in need. And he's a traveler. And we know that the dua of a traveler is indeed accepted by Allah azza wa jal
and this man he raises his hands up to Allah to ask him for something.
But his food is from haram. His drink is from haram. His clothing is from haram. He has nourished his body through haram, the Prophet sallallahu alayhi wa sallam then said, so how can he be answered?
And we asked the same question today 1400 years later, how can a person who is dealing with haram whether it be through lying and deception, Riba and other haram engagements? How can a person raise his hand and we all need Allah azza wa jal at one point or another in our life?
We need Allah azza wa jal all the time, but there are going to be some times in some circumstances that we need Allah subhanahu wa taala
very much and you raise your hands to Allah, yet you are surrounded with haram. So the Prophet sallallahu alayhi wa sallam is saying, How can you be accepted?
How can a person who surrounds himself with all of this haram think that Allah azza wa jal will answer his dua or his supplication? One of our pious predecessors one of the Center for silence, they said some beautiful words. They said, Men alcohol and haram Assa Jawara who share another Alima I'm Lamia
wise words. Whoever consumes haram, his limbs this obey Allah, whether he likes it or not, or whether he knows it or not. Just by disobeying Allah azza wa jal
in the Hadith found in sunnah Timothy, the Prophet sallallahu alayhi wa sallam he said in the hula Yakubu Lachman, now that I'm in certain in Canada and now I will be
the flesh gathered on one's body by means of impure earnings, deserves to be thrown into the fire of *.
And in the Hadith found in Mustafa Al Imam Ahmed,
he Alayhis Salam wa sallam said, Laird Holy Will Janita Allah ma never Terminus saw that the flesh nourished from impurities will not intergender
some of the women of the past the pious women of the past, they used to give a a reminder
to their husbands when they were taking off in the morning to earn the livelihood they would say yeah about Phoolan
it tequila fina 123 Munna Illa Khaled for in nana na Spiro Allah Allah mil Jew dunya one, Guru Island Nereo Malkia
father of such and such Oh such and such fear Allah regarding us and do not feed us except from halal. Halal means for family we are able to bear the pains of this world. But we are not able to bear the punishment of the fire in the hereafter. My Dear Brothers and Sisters in Islam, one of the minor science of the hour prophesized by the Prophet sallallahu alayhi wa sallam 1400 years ago, is the widespread dealings of riba
of usury and interest.
In the Hadith, found in October, Ronnie, Hadith, even Mr. Otto the Allahu Anhu were Allah.
that the Prophet sallallahu alayhi wa sallam said baignade, the ISA Yahoo riba was Zina welcome
that closer to the coming of the hour, the Day of Judgment, rebirth, Xena, that is fornication and adultery and intoxication. Whether it be through the intoxication of alcohol or drugs and the like, this will be right spread. This will be manifest and listen to this hadith that is recorded in Abu Dhabi would soon be that would the hadith of Abu Hurayrah the Allahu Anhu Allah
the Prophet sallallahu alayhi wa sallam said Leia Tiana, either nurse is a man who lie up coming home or huddle in Akella rebel
feminine lemmya Cool who are saw the whole minerais burn. He said there will come a time when when you will not be able to find a single person in the world who will not be consuming the Bieber.
And if anyone claims that he is not consuming rebel, then surely the dust
then surely the dust of revival riches.
So even though you might not directly be involved in rebar, there might be circumstances that are beyond your control that you must deal with rebar or for example, you will find yourself in a situation where you don't even know that you've dealt with rebar
whilst you have the meaning of rebar and by the way, rebar is mentioned in some 12 verses in the Quran.
And it is often translated in English as usury or interest. But inshallah we'll be using the word that Allah subhanaw taala used in the Quran and the Prophet sallallahu alayhi wa sallam used in the Sunnah Riba? Literally the word Riba means to increase it's a verb, to increase, to grow, that's what Riba means to exceed. When we look at now riba from an Islamic perspective, technically it is any loan
which involves an increase in repayments. This is generally speaking Riba
and in a few moments inshallah Huhtala. I'm going to give examples of the types of Riba in Islam.
Riba is one of the most destructive sins in Islam.
And many Muslims unfortunately, have become very complacent regarding Riba and dealing with riba either it could be through their ignorance, the lack of knowledge, it could be because they underestimate the sin or it could be the lack of fear of Allah azza wa jal, the lack of Taqwa of Allah subhanho wa taala.
And it is a major sin in Islam. And a major sin in Islam is identifiable generally speaking through three signs. If you want to know if a sin is a major sin or not, you look for one of three signs. The first sign is there's a serious warning about it.
A serious warning in the Quran or soon or there is a land. For example, we say Allah and Allah if he LAN Allah, Allah, Allah rasool Allah, such and such, who does such and such then that sin is a major sin.
All there is a head, there is a punishment for it in this life or a punishment in the hereafter. When it comes to the bear, it meets all three as we will see in a few moments. Now, LIBOR is one of the seven major or most evil
of since in Islam, although many scholars today have numbered 70 That seems to be the most correct opinion that there are more than seven but seven are included in the 70. As even at best for the Allahu Anhu Allah said they are closer to 70 than seven. Yet here the Prophet sallallahu alayhi wa sallam in the Hadith which is found in Bukhari and Muslim. He said, to the Sahaba there were around him each time he was Sabhal movie caught, he said, avoid the seven most evil of sins, or avoid the seven most destructive sins. How do ya rasool Allah wa Hoon, a messenger of Allah, what are they?
By Allah? A sheer cupola that you associate a partner with Allah azza wa jal was Sahara magic, or sorcery or witchcraft.
wacap Luna facility haram Allahu inlab will Huck
and killing a song whom Allah has forbidden killing unless it is done lawfully, what occlude Riba and the consumption of rebirth
will acclimate Lilia team and the consuming of the property of an ER team and often the one who has lost his father under the age of puberty?
What when Leo Mazel Tov,
and running away from the battlefield
worthful Masana to Hafizullah two minute and slendering innocent Chase believing women.
So, in this hadith, the Prophet sallallahu alayhi wa sallam mentioned the Riba and the very fact that he mentioned that alongside with what was shipped, and share is the number one sin in Islam, which is not forgiven if you die in a state of sin.
If you repent from shipped before your death, you'll be forgiven but if you die in a state of shift, Allah subhanho wa Taala will not forgive you. You will go to the Hellfire in Allah Allah young Pharaoh I use Rokeby well Pharaoh Medina diabolically Manisha, ALLAH does not forgive that partners be associated with him and he forgives whatever is beyond that, for whomever he wills Riba is condemned and is prohibited number one in the Quran, number two in the Sunnah. Number three in the saints of the sahaba. Number four, there is HTML, there is scholarly consensus and number five. In the original versions of the Abrahamic scriptures, both in Judaism and Christianity, it is
forbidden. How much more do you want?
You might be asking, what's the deal? What's the proof? Well, let's look at prohibition of rebirth in the Quran.
The main verses that deal with riba are in Surah, Al Baqarah.
From versus 275
to 279.
For example, in Surah, Al Baqarah, verses 278 and 79. Allah azza wa jal says, Yeah,
you have Lavina tequila however a woman that the
weather room either Can you not only back in meaning for him to then we'll be heard the minimum Allah He was only
a user believe. Be afraid or reveal Allah have Taqwa Allah and give up what remains Jew from Riba. If you are believers, and if you do not do it, then take a notice of war from Allah and His messenger.
Allah subhanahu wa taala again, insert Al Baqarah verse 276. He tells us that wealth does not increase but decreases in the long run through ribber. Allah azza wa jal says yum Hakuna Horiba you will be sada caught Yum, Huck.
Allah destroys Riba and he increases charities. That's why the Prophet sallallahu alayhi wa sallam said man aka Summerlin in South Africa, that the wealth that is given through South Africa or by means of South Africa never decreases. The opposite is true.
When it comes to River, the baraka, the baraka of the wealth decreases, and as the Morpheus see rune as the one of the commentators of the Quran, he says, the baraka of the wealth decreases just as the light of the full moon decreases at the end of the month, it decreases bit by bit, because no My Dear Brothers and Sisters in Islam, your wealth there is a Baraka in it. If the baraka is removed, even if you have an excess amount of wealth, you will find it doesn't get you very far. You will be spending it on either your health or your illness or your car or your vehicle or your child. There is no Barak.
What about prohibition of riba from the Hadith?
In the Hadith found in Bukhari and Muslim
let me remind you that the Prophet sallallahu alayhi wa sallam said, Man, I hate to come and who fetched any boo, that whatever I have forbade you from doing then keep away from it.
Allah azza wa jal says when como rasuluh women have come and who Fanta, who that whatever, whatever he gives you,
then take it and wherever He prohibits you from doing then leave it off.
And during the Farewell Pilgrimage, the Prophet sallallahu alayhi wa sallam he gave hope but will whether the Farewell Sermon, some penetrating advice, which is applicable to every time and place until the day of judgment.
In this farewell advice, the Prophet sallallahu alayhi wa sallam said Allah in color ribbon Kana Philip J Helia.
Madhu on uncom Kulu lecom Rousseau Anwar Liko lovely Munna wala Tuzla Moon was a world ribbon Malibu rebel at best, even Abdulmalik Malou uncooled.
He said, Verily, every case of riba from the Jahai linea is completely announced.
You will only take back your capital without increase or decrease. The first repair that i And now is the Rebbe of Al Abbas ibn Abdullah Talib. All of it is about
my Dear Brothers and Sisters in Islam. The ugliness of this major sin can be seen in the words of the Prophet salallahu alayhi wa sallam found in Hakim.
In the collection of Al Hakim, the Prophet sallallahu alayhi wa sallam says, a rebirth Allah satune was the owner Bairbre a solo her Mifflin and Yong ki Harajuku Oma.
He says there are 73 types of Riba, the least of which is as a parent, as a man having * with his own mother. Well as
the list of Riba is like sleeping with your mother
and Riba is more dangerous than Zina then fornication and adultery.
And the proof is found in Muslim Imam Ahmed, whereby the Prophet sallallahu alayhi wa sallam said they're harming Riba. Yeah, Kulu Raju Oahu Island,
a shutdown in the LA he means sit that in with La thena Zinnia
that I did him this was the currency but then dinars and dyrham, saying $1
A day Durham of Reba, which a person consumes knowingly is worse than committing Zina 36 times.
And in the Hadith found in Sahih Muslim
the Prophet sallallahu alayhi wa sallam
informs us that any party any individual who is involved in a rebel transaction is cursed.
Anyone who has anything remotely to do with that transaction is cursed. The Prophet sallallahu alayhi wa sallam said, Lana rasool Allah
killer riba were more killer. Were Shahidi worker TB. We'll call him sir.
The Messenger of Allah cursed the one who accepted the rebel, the one who paid it. Many people might
say but I don't accept it. I'm only paying. Well, this hadith is now proof and evidence that if you pay river, you are cursed. The one who accepts Riba, the one who paid it, the one who recorded it.
And the two witnesses to it, he said they are all alike.
They are all alike.
Karla whomsoever.
So based on this, it is not permitted My Dear Brothers and Sisters in Islam to do work that involves writing a river based contract.
All the conditions are paying or receiving or depositing or guarding it. So generally speaking, it is haram to be either directly or indirectly involved in any which way shape or form in rubber, based on this hadith, which is found in Sahih, Muslim
and what does it mean the curse of Allah azza wa jal, the curse of Allah azza wa jal means that you have distanced yourself from the Wrath of Allah azza wa jal, who here can say that they are not in need of the Mercy of Allah azza wa jal of the Rama of Allah subhanho wa Taala wala he we need the Rama of Allah with every breath that we take.
One of the brothers that I came across in my life
taught me a very beautiful lesson.
He said to me, brother,
I wanted to have a child.
For seven years I tried to have a child
and I couldn't have a child, Allah azza wa jal did not give me a child.
He said, I worked for a bank.
During this period, I worked for a bank.
And I was in charge of doing the contracts for Riba.
And then I turned, I turned to Allah azza wa jal, and I repented, I left my job. My job was earning me a lot of money.
He said, I found another job, actually, I began working for myself and he started a small business. And he said that he was only earning a third of what he was earning
from the bank.
He said, You know what, my brother, he says, I feel more happier now. I'm more content. And I find there is baraka in my wealth.
There is baraka in my wealth, more than the money that I was getting from the bank.
He said and on top of all of this, seven years later, my wife just gave birth.
What Cebu Hey, in Anwar, who are in the LA Hey, Ali, sometimes we think that a matter or sin, it's insignificant, but to Allah azza wa jal, it is great.
So there's one blessing in your wealth in your health in your time,
because all of these successes come from Allah azza wa jal.
So, the least harm that Reaper does to you is that it takes away from the baraka
and the proof to this is in the collection of an Hakim the Prophet sallallahu alayhi wa sallam, he said, A riba were in Castle for enough people to who elected him.
He said that even if Riba is much it will end up being a small amount. There is no Baraka in it.
So now we've given the evidence from the Quran, evidence from the Sunnah. What about the Sahaba Imam was the hubby has a book called The major sins.
In this book, he lists 17 major sins.
And when he spoke about rebirth, he mentioned some of the acquired some of the sayings of the Sahaba of the Allahu Anhu.
He gives, for example, what Abdul Rahman ibn Abdullah ibn Masada the Allahu Anhu said he reported his father as saying either the Hora Zina were rebirth Korea, as in Allah who be highlighted that when Xena adultery and fornication and riba a pee in a city in a place in a town,
Allah orders its destruction.
Abu Bakr Radi Allahu Anhu Allah Saavik he says, as
well mr. Xie do Finn now.
He said the one who increases and the one who requests for an increase is in the fire. Again, this is another proof that both the recipient and the giver of riba
are doomed and subjecting themselves to the hellfire.
I
I said earlier that rebar is haram. It is haram for the Jews and the Christians as mentioned in their scriptures.
Allah subhanahu wata Allah, made unlawful for the Jews certain good foods which had been made highlight to them. He made it haram why? Listen to this in Surah two Nyssa chapter four of the Quran verse 161. Allah azza wa jal says fabby ilumi Mina Lavina do haram Now I lay him harana Allah him for you, but in or he'll Natla whom wabi sabi the hem sebelah he Kaffee wrong. What else the hemo riba what garden who and what we him or Reba, what God knew who I'm
for wrongdoing on the part of the Jews, we made unlawful for them certain good foods which had been lawful to them. And for the averting, from the way of Allah many people and for the taking usury rebel while they had been forbidden from it.
So when we look for example, at the Torah, at the torah, the torah, for example, expresses regulations against the charging of interest. So for example, we will look in Exodus, chapter 22, verse 25,
it is says, If you lend money to my people, to the poor person among you, you must not be like a moneylender to him, You must not charge him interest.
It is prohibited in Christianity. So much so that I even came across a text that said that in Christianity, it is believed that the one who consumes usury should not be shrouded if he dies.
And in Leviticus, chapter 25, verse 36.
It says, Take no usury or interest from him, but fee your God.
So the Abrahamic faiths have forbid Riba in a matter
whether it's Islam, Christianity, or Judaism. The Abrahamic faiths have forbidden Riba in a manner that leaves no room for doubt concerning its prohibition.
My Dear Brothers and Sisters in Islam, Allah subhanahu wa taala forbade the consumption of non halal food, the meat of the consider the meat of swine of pig alcohol, is haram is forbidden. And you find that the majority of Muslims that don't eat barely eat halal, very, very careful and cautious only to eat from hunted sources, and not to eat or drink from these forbidden things. Allah subhanaw taala he forbade a person from marrying his mother, his sister, his auntie and other close relatives, and you will almost never come across cases where Muslims have transgressed these injunctions. So why is it then? Why is it that many Muslims feel it is less problematic,
to engage with riba to treat the issue lightly? When it is just as significant, in fact, it is more significant than many other of the major sins in Islam.
You don't find Muslims for example, looking for concessions to make those things that we mentioned previously lawful.
So, this is something that we need to have an understanding of, let's move on. Insha Allah Huhtala now, to the types of Riba, the types of riba that existed at the time of the Prophet sallallahu alayhi wa sallam, they are of two types. The first one is known as Rieber and nussey. Ribbon NESEA, which is a riba on loans, a rebel on loans or on debts. And this was very widespread during the time of the Prophet SAW Selim and during the J Lea time, and then was practiced in a number of ways. The first way is that the lender
would lend money to a borrower for a fixed period of time.
He gives him money, he says, Here you go, you can borrow this money for a fixed period of time when the time had expired, and the borrower was unable to repay back the debt by the due date
The lender would give him extra time. He said, Okay, I'm going to give you extra time. But I'm going to charge you an addition. That's Riba. And that is similar to what we have today in interest free loans. In interest free loans, you were allowed, say 12 months or 24 months to take a product to purchase it, and not pay anything, or pay it off before 24 months, and it's interest free, but beyond that, you start to pay the interest this is haram to engage in this contract in the first place is haram because you are agreeing to rebar conditions,
you are agreeing to pay rubber. Even though your intention is not to you have signed the contract that I will pay that rebar afterwards.
The second type of manner of rebar and nnessee it takes place when the lender would lend a borrower money for a fixed period of time at a determined rate
at a determined rate of interest to be paid monthly. So what happens he lends him the amount. And he says okay, you pay me this amount at this date. But from now to this date, you must pay this additional installments. And then on the due date, you give back the principal, you give back the money that you borrowed. So see how they're doing it in different ways. This is still remember, a third way was that the lender would lend a borrower money for a fixed period of time at a determined rate of interest to be paid together with the principal on the expiration of the time, so on the due date. So then they'll say okay, I want to borrow $100 from you. He says here you go. Here's $100 Pay
me $200 On this date. So he's charged the interest altogether, you pay it all together on the due date. All of this is haram and slipper.
There is a basic principle here, Brothers and Sisters in Islam know this principle to stay away from River as even put them as safe.
Every land in which it is stipulated that more be paid back is haram with no difference of scholarly opinion.
So if there is any loan, any financial loan that you take, and there is a stipulation that you did pay back more.
That's it. That's the river. If there's a benefit to the creditor to the lender, then that's definitely repair.
Likewise, today we have people buying homes, through mortgages through the banks. So when they go to the bank and they say can you please buy this home for me
and they buy the home and they sell it to you and you pay back you know your repayments that is really bad. This is what we're talking about here.
Let's move on in shallow tile to the second type of rebar, which is known as ribbon for them. So we said there's two types of rebar. The second one is Rebel Ferber and this is where you are exchanging like goods or certain or specific like goods in different quantities. There is a Hadith found in Sahih Muslim, whereby the Prophet sallallahu alayhi wa sallam said as the hub will be the hub 1/5 to build up the wall baru will bore was shut up Shire. What term Ruby Tamra will mill for Bill mill Miss Lambie missile Sawa and Bisola Yadon beard for either fella fat heavy Hill Asner Furby okay fair ship don't either panda yeah Dan beard. He says, sell gold in exchange of equivalent goat, sell
silver, in exchange of equivalent silver. So wheat in exchange of equivalent wheat. Sell barley in exchange of equivalent barley sell dates in exchange of equivalent dates. Sell salt in exchange of equivalents off but if it is an exchange of different commodities, then sell how you wish on the condition it is hand to hand. In other words, as long as it's done on the spot, I'll give you an example from the time of the Prophet sallallahu alayhi wasallam. This is found in Sahih al Bukhari.
Once Beloved,
beloved, brought a kind of data known as button.
He put it to the Prophet sallallahu alayhi wa sallam,
and the Prophet sallallahu alayhi wa sallam. He asked him from where are these dates had billon?
And he said I had some inferior types, type of dates. I had a less quality type of date, and I exchanged it for two stars of it for one saw of Barney tights. So it's site isn't
Measure I gave two of my type for one of the superior type of date says give an extra.
And so here it is for you, ya rasool Allah so you can eat it. The Prophet sallallahu alayhi wa sallam said, Beware, beware, this is definitely a really bad, this is definitely rebirth, don't do so. But if you want to buy a superior kind of dates, sell the inferior dates for money. So the inferior first collect the money, have it in your hand, and then go and buy the superior type with that money. So let's now deduce from this some examples, let's give some examples that are similar or that the seller might have spoken that are similar to this situation or this scenario. For example,
trading 100 grams of old gold or silver for 90 grams of new gold or silver. If you do an exchange of old gold for new wood, there is not the same commodity not the same amount, this is rubber has to be for the same amount or sell by
for example, we have money exchange today.
So you cannot buy for example 100. American dollars with 90 Australian dollars, unless the transaction takes place on the spot.
They cannot be delayed. They cannot be for example, an IOU I owe you know,
when you do a currency exchange, it must happen right there. And then because the right is always changing. Tomorrow, it's different today.
Islam is about looking after everybody.
Otherwise, if you have an IOU, then you've engaged in Riba. I'll give you another example. You cannot purchase gold or silver by installments. So putting it aside and then paying it off.
That's not allowed. You must pay the total amount in one transaction. So you save up the amount then you buy it. Otherwise, the owner might have said that you have engaged in rubber.
Also, when you are trading in when you are trading in old gold for new gold, you must receive the trade the trading price entirely before purchasing the new gold. The scenario is you go to trading gold, you've got some old gold and you want some new gold. They'll say to you okay, what's your say what's the value of this old gold? They say your gold is $100 This new gold here is $200 You cannot say here you go. Here's the old gold and here's $100
What you must do is you say here's the old gold you valued at $100 Give me $100 Take the $100 pulled out your $100 and give the $200 to them. If you don't do it that way you have engaged in
you see how simple it is. It's a fine line between halal and haram.
A fine line Mighty Brothers and Sisters in Islam.
So let's move on now in sha Allah Jota Isla Why does Islam prohibits Riba? Why does Islam prohibits Riba?
Well first of all we say
because it is from Allah subhanahu attires infinite wisdom as we said earlier that He prohibits Riba
and it is from Allah subhanahu tireless wisdom that he commands something to be allowed or not allowed.
And so when we start to ponder over the text regarding Riba in both the Quran and Sunnah, the Muslim scholars have given several reasons and suggestions as to why Allah may have enforced such laws upon the people. And I want to give a few of the reasons that they met case number one, they said that rebar is a show gain without any possibility of loss. Hence, all the risk is taken by the borrower rather than sharing the risk and the profits. Number two rebar retards economic growth and development. Just as we are feeling now through the Global Financial Crisis GFC as they call it. Number three, rebar is one of the major contributors of inflation.
Number four, ribbon the gates the culture of brotherhood and sympathy towards one another. And number five from a moral
and spiritual point. rebar is clearly based on greed, selfishness, narrow mindedness and hard heartedness. And it nurtures the same evils in the moneylender. These are only some of the reasons that the ruler might have given. As for the punishment, the punishment of rebirth, the ramifications for engaging in riba begins in this life, upon resurrection
in the grave, which is in the higher to embarrass us,
and in the hereafter. As for this life, one of the ramifications of rebirth Allah subhanahu wata, Allah says as I read out earlier, in sort of Bacara verse 276, Yom Hakalau Horiba where you will be sought apart, that Allah destroys the ribbon and he increases for you charities.
In the Quran, Allah azza wa jal says, One Asaba comin musei button, Furby Monica but a de como Yafo, Anthea, that whatever if misfortune befalls you is due to what your own hands have earned. And yet He pardons much.
So when you're dealing with riba you're dealing with haram, and he is saying that whatever misfortune befalls you, it is due to what your own hands have earned.
In the hierarchy of L Barossa. And Ultrasurf means the life between this life and the next life and the hereafter.
And beyond Judgment Day, there is a life or judgment day there is a life known as Al Baba.
And in the Hadith found in Bukhari, Hadith, some of our even Joondalup
the Prophet sallallahu alayhi wa sallam narrates to the Sahaba, a dream that he has
a dream
where he said, last night, two men came to me, this is in the dream, and they said, Come with us. I went with them to a place he went with them.
And the Prophet sallallahu alayhi wa sallam, he mentioned eight, eight scenarios that he saw.
And at the fourth scenario, he said,
We proceeded until we reached a river of blood. With a man swimming in the center. On the bank of the river, there was a man who had piled around him many rocks. The men in the river would swim for a while, and then approach the one who had gathered the rocks around him trying to exit. He's trying to exit from the river.
He would open his mouth, and he that is the one on the bank would throw a rock into it.
causing him to return to his original position in the middle of the river. He would then resume swimming. And every time he made an effort to get out of the river, he would throw a rock into his mouth, forcing him to fall back to the center. I said, Who are these two?
And the angels they said, Come along, come along. They kept on telling every time he saw a scene, they would tell him Come along, come along, they wouldn't inform him.
And after the eighth scenario, he said since the beginning of the night, you have taken me to different places, and I have been seeing amazing things. What is all of this that I saw?
They said we will now tell you.
As for the man whom you saw swimming in the river and being fed with rocks, he is the one who devours River and in Muslim Imam Ahmed, the Prophet sallallahu alayhi wa sallam.
He mentioned that during the the incidence of an miraj
al Israa oval, miraj the journey of Israel the night journey during the ascension leg of the journey. The Prophet SAW Selim passed by a group of people whose stomachs were like that of houses
in these houses were snakes that could be seen from the outside.
So the Prophet sallallahu alayhi wa sallam asked Gibreel, who was his companion, Gabriel, he asked about them, and he was informed they are the ones who deal with rebirth.
And just as the saying goes, and it Jessa Omen Gen Soleimani.
there that the punishment is in accordance with the action
just as they filled up their stomachs with haram
nourishing themselves with haram engaging in the Haram. They are punished in this very manner.
Upon resurrection
those that engage in riba will be resurrected as if they have been beaten by Shavonne into insanity
as a humiliation for them, whenever they try to stand up, they fall back down.
Allah azza wa jal says in Surah Al Baqarah
verse 275
and Lavina Kowloon arriba Lyapunov Illa Karma Yoga
Karma Yoga Pomona the battle shape on me gnarliness Then he can be an Kowloon in Albania only through riba what a Halima will buy our harana ribbon.
Those who devour rebar will not stand. In other words, on the Day of Judgment, except like the standing of a person beaten by shape on leading to madness. That is, because they say,
trade is like ribeye.
They gave excuses. They said, What's the big deal? Repair trade is the same. Just like trade, the price goes up and down, we'll get it back up and down.
But it's not the same.
It is definitely not the same. Because with trade, there is prices go up and down based on demand and supply, supply and demand. Were three but it's only because of the timing.
That they inflate the price.
But Allah has permitted trained to Jarrah and forbidden rebar.
So
this is the punishment so far we've seen punishment in life, punishment in Alberta punishment when you are being resurrected. As for the punishment in the hereafter other than the promised Hellfire if Allah azza wa jal wills to punish a person in the hellfire.
Before this, Allah will wage war against him. Allah will wage a war.
There are only two punishments in Islam that warrant a war from Allah azza wa jal, only one of them is mentioned in the Quran and the other is mentioned in the Sunnah of the Prophet sallallahu alayhi wa sallam.
And in the Quran, as I said, Allah subhanahu wa taala does not declare war on any people except the people of Riba.
Allah will not wage war against those who drink alcohol or to drugs or gambled or fornicated or any other sin.
And we all know how grave and serious those sins are.
But Allah azza wa jal will wage war against those who deal with river
Surah Baqarah Chapter Two of the Quran verse 279. Yeah, are you ready?
Yeah, are you Halina tabula Hawa uma Bucky me not only back
to meaning,
sir in lambda final, then will be Hubbard him in Allah He wants us only are you who have believed.
And as one of the Sahaba he said, Whenever you hear Allah azza wa jal says Yeah, are you Halina? Who are you who have believe Allah azza wa jal, he's talking to me, he's talking to you. He's not talking to somebody out of this earth or a third party. They said, Listen very carefully, for what is about to come, is either a command to do good or recommend to leave off something which is bad.
So he said,
Observe your duty to Allah and give up what remains from riba if you are true believers. And if you do not, then be wound of a word from Allah and His messenger. So when he comes out of his grave, this miskeen
he will be given weapons by the angels, and he'll be told to go and fight against Allah azza wa jal.
My Dear Brothers and Sisters in Islam
I want to move on in sha Allah Huhtala and talk about some of the excuses that people give for dealing with riba
And I would like to debunk
and refute some of these feeble excuses because they are deceiving nobody but themselves.
One of the excuses that people give for taking a rebel loan or mortgage through a bank that deals in an non Islamic way through Riba. They say, Look, you know, I am in need.
And I know that there is an Islamic principle
whereby the old man have derived the principle that states adult who ought to be full Mahabharat that extreme necessity makes permissible, the unlawful we say you have spoken the truth, that yes, there is a principle that says a double rod to be held Medora if there is an extreme necessity and you are in dire need, you are allowed to commit haram. Correct. And what a marvelous and a beautiful principle that is.
But many people have misused this principle.
In light of this principle, some scholars have given a fatwa
an Islamic ruling that a Muslim may engage in a riba based transaction when they enter a state of raw or hijack extreme necessity or need. Let me say, from my research and analysis, and Allah azza wa jal is my witness, that this fatwah does not apply to the masses of Muslims living in Western countries, especially Australia and New Zealand, as there is no hedger or the ruler.
Because the issue of the euro or hija, has conditions,
has constraints, some of the constraints and conditions under which the rule of necessity is applicable includes, number one, that the necessity is actually existing, and not something which is expected or anticipated. So you can't say I think I might end up in this situation or that situation, the condition must exist. It's existing right now to you, it's happening to you.
Also, number two, when someone is faced by necessity and all its conditions and constraints, observe, then the unlawful becomes lawful to him. Thirdly, that there is no other alternative. This is the one that's very important here, that there is no other alternative in facing the state of necessity other than committing the unlawful act. Many Muslims are acquiring home loans, and they cite the example of necessity. And as I said earlier, the concept of Hijra or the hoorah does not always not applicable in Australia and New Zealand when it comes to the issue of housing. Why? Because number one, this is a country and other countries as well the Western countries. If you
cannot afford to buy a home If Allah doesn't bless you with the income and has not decreed for you to buy a home, then there is a wealth of rental property, ranging from mansions you want to rent the mansion, rent a mansion, if you can afford it down to the simplest of flats or unit of villas or townhouses, call them what you like. It's up to you in your budget.
And if your income number two, if your income doesn't allow you to cover the cost of rent, then the government has a system in place when you can apply for and receive an accommodation supplement, which we know it as what rent assistance to help you meet the cost. And number three, if your financial situation is even more difficult, the government also has a state housing system. You know, housing commission, I think we call it by which they will provide you with a house at a cost you can afford. So in other words, Australia and New Zealand are two of the few countries on Earth where no family needs to end up homeless for no good reason.
There are systems in place and which are remarkably Islamic. They are Islamic.
So if these systems are in place, Vagos above all are out the window. No more thorough exists. No more. hagit exists to buy a home
and
If the Australian or New Zealand system or any system in the world changes, or it is in existence demands that the only way of finding accommodation was to sign a mortgage contract, then there would be grounds for arguing dharuhera When it becomes obligatory, but no such system exists, at least for these two countries.
Another common argument that we hear our Muslim brothers or sisters saying that rent is a waste of money.
Although they say they say it is dead money,
and you have nothing to show for it at the end.
It sounds reasonable at face value,
but waste according to who is at waste. Since when my beloved brothers and sisters in Islam is spending money in a halal fashion wasteful,
rent is halal, it's permissible, how can we say it is wasteful
or that it's inappropriate? Islam teaches us
that any Halal action that is chosen over a haram is counted as a sadaqa as a charity,
especially when choosing haram. And we learned this from the Hadith when the Prophet SAW Selim, he said to the Sahaba, when you have conjugal relations, you have intimacy with your spouse. It is sadaqa ser rasool Allah, there's one of us, fulfill his shower, fulfill his desire, and he's rewarded for this. He said, If he did it in Haram, would he not have attained a wizard a sin?
Would he not have been sinful? He said, likewise, when you do something that is halal over the Haram, you are rewarded for it. So when you are paying rent, and you know It's haram to take a mortgage out and you're doing it for the sake of Allah, then you are being rewarded for it. Why is it a waste? Look at it as reward from Allah azza wa jal look at it as a form of sadaqa that you are giving.
And they say that you don't have anything to show for it. Maybe Allah azza wa jal is blessing your wealth and your health and your family and giving you things you may not have been receiving. If you were dealing with haram life. My friend, like our brother for seven years, was not able to have that ultimate happiness and have a child and be happy. But when he left off River, and dealing with Allah azza wa jal amazed him with his bounty.
Or maybe Allah azza wa jal is preparing a home for you or a mansion for you in Jannah. For the small price and sacrifice that you are making. No one's asking you to leave your city can be the Sahaba they had to leave their house city. Just move on to another home and a change is as good as a holiday. Why can't you be positive about it? It's up to you to in the mind, if you think about it positively. You will see the merit in it and you will be happy and you will accept Allah azza wa jal decree. By the way, even when you are engaged in a mortgage, you do not own that home until you have paid the last dollar. It's not yours anyway.
And then you have excuses for example, who's going to look after my children? I'm doing this as an investment for my children in the future. No, my dear brother and sister in a slam it is not you and I who look after our children, it is Allah azza wa jal who looks after them.
Wallah hoo ha You don't have fever? That's what Allah azza wa jal says he is the best of protectors.
Allah subhanaw taala is the one who is providing for them.
What about if you die tomorrow
and you have a mortgage? Who's going to pay the mortgage for your children? That's it that out that goes what you then pass on the sin to somebody else.
So
really isn't that big of a deal to own a home in this life? You see, that's the thing we've been programmed by Che fawn and his agents that owning your own home is the dream.
Wallah. He owner brothers and sisters.
They don't own a home they rent. But what Allah He they are the happiest people they go to home with almost every year they go on a holiday. They have a nice car. They have good health good children that children are at the best of schools that are under home.
You want to own a home, work towards a home in general. Pray to apricot in the day and night. The Prophet sallallahu alayhi wa sallam said that whoever prays 12 units in the day and night to before Fajr for before
Have a hook to after the hook to ask the Muslim to after a SHA.
Allah will build for him because of them. A man should engender
contribute towards a masjid build a masjid. The Prophet sallallahu alayhi wa sallam said that whoever contributes towards the building of the masjid Allah azza wa jal will build for him or her, a mansion in Jannah. That's what counts a house in this world, your house will perish sooner or later, or the you will perish first or it will perish before you.
It's going to happen sooner or later.
Let's do some maths. The Prophet sallallahu alayhi wa sallam said what the average life of my ummah is between 60 and 70. And a few people will surpass this age.
So you get married, and many times people acquire a mortgage at the age of 30. And then usually the mortgage is for 30 years. You are now 60 years old.
And then you pay it off and death is around the corner. Not only has your body wrinkled, but you have wrinkled your iman and your faith. Your new Islam is all wrinkled, and you're going to meet Allah azza wa jal Allah, I would prefer to meet Allah azza wa jal without wrinkles in my Islam. I want it to be like a nice, clean sheet.
Another issue that we can add to this,
the stress of mortgage is so much so that we find today, women have to also work. The wife has to work to maintain the repayments of the mortgage. What does that do? That causes undue stress on the family unit on the family home? So the husband comes home, he's tired, the wife comes home, she's tired. So the husband eats lazy or tired meals, there are tired conversations, there is tired intimacy.
All of that why
the children and neglected
children are neglected.
They are a term they are orphans, but their parents are alive because they don't get to see their parents because all the parents are worried about is the dream
what's the dream the home
I need to own my home.
We need to change this way of thinking my Dear Brothers and Sisters in Islam. Your home is anywhere that you live and there is shelter that sutra
and many Arabs that say you know et cetera. They say you know but but but then the stutter you know, they say they you know use these words. That's again the shaitan deceiving them. What can I live for 15 2050 or 60 years and rent and be absolutely okay. Of course you can.
Well, Allahu Allah, Allah Allah coming to you to come second, you need to find the Sakina and tranquility in your home you will not find it when your home is built upon haram. When it's built upon haram foundations. You're not going to find it.
That's why begin your marital life. Begin with Hulen begin with pleasing Allah azza wa jal start the chapter clean, Start Strong inshallah to Allah.
Is there an alternative?
Is there an alternative to purchasing a house on Riba? Yes, there is.
Today, banks throughout the world are currently embracing the central concepts of Islamic finance, even if they don't acknowledge them by this name.
Furthermore, many banks are being proactive in creating and promoting Sharia compliant
finance options happening in this very country. It's happening in England.
Big banks
are taking on because they see the potential. They see that us Muslims make up a large segment of the world of the financial world who are interested in this lunch.
So yes, more and more financial or Halal friendly products are coming out
during the GFC the global financial crisis while the Western world's financial system is imploding.
Islamic finance is weathering the storm
when hamdu Lillahi Rabbil Alameen.
The Islamic finance industry has been
resilient, and has been expanding faster than any other subset of world banking at 15 to 20% a year in a report that I read.
And there are global banks that have opened Sharia compliant branches. And I believe that it is only a matter of time before such products arrive in this country, in Australia and New Zealand Insha Allah, in the meantime, we need to be patient. And in the meantime, also, as these Islamic banks, Institute's cooperatives happen, do not be hasty.
Because some of these banks, they offer many products, but not all of these products are necessarily endorsed by our scholars. So when you do go to an Islamic bank, and I don't want anyone to mention here, the name of any Islamic bank,
but when we go to an Islamic bank, and they offer us an option, take that contract and go to a learned scholar who understands transaction law in Islam muamalat and monetary transactions and ask him Yes, Chef.
Is this product halal, even though it's in an Islamic Bank?
Because some Islamic banks, although they are doing their best, some of their products are not endorsed, not a consensus, or an H mount or a gem hoard that are endorsing that product. So this is a word of warning.
And so my Dear Brothers and Sisters in Islam, as I come to the end of this presentation, I remind you, it is the duty of Muslims everywhere, to strive to find lawful alternatives to alleviate the state of the Rura and hedger, and save themselves from the need to adopt haram and unlawful ways. The Prophet sallallahu alayhi wa sallam as I said earlier, prophesized that a time would come when the practice of rebirth would become so widespread that you will not be able to escape it's vapor or its dust.
Each and every aspect of this hadith has come into a reality.
And that in itself is a miracle. This prophecy is a miracle.
However, in no part of this hadith, the Prophet sallallahu alayhi wa sallam says, Therefore, when this happens, no problem when this happens, take part of it.
No, my dear brothers and sisters in Islam, this world is a test. It's a trial. Allah azza wa jal says in the second verse of Surah, Blanca booth, chapter 20. None of the Quran
has even a uterus. I
know my hula, you stand on. Do people think that they will be left alone? Because they say, Man No we believe and that they will not be tested.
And in Surah
Surah Tabarak, Allah azza wa jal says, Allah the Chanukah Mota will hire Danny Ebola welcome, Leah, welcome or you can send Ramona the One who created death and life to test you. Who of you is best in actions? Remember in Islam, there is something that you and I believe in in the sixth pillar of Eman and Kedah will
accept the code of the Allah has given you. Maybe if Allah subhanahu wata, Allah gave you that wealth and you own your home you wouldn't have deviated from the Path of Allah azza wa jal
because some people if they have the money, they will deviate. Maybe it's better for you to be poor. Maybe it's better for you to be living a standard life so that you can worship Allah azza wa jal better.
Think about Allah azza wa jal is the all wise and whatever he has decreed for you. You say Alhamdulillah he Allah Houlihan.
As for those who are dealing with robber who have a mortgage, I say to you, fear Allah azza wa jal
and I remind you of the area in Surah Baqarah verse 279, whereby ALLAH SubhanA wa Taala he gives you the solution.
And he says, well, to the tune file I also am welcome lovely Munna. Wella to the lamb.
But if you repent is a condition.
If you repent, you may have your principal
do not wrong and you are not wronged
Do not wrong by charging interest. And do not be wronged and make sure that you receive or you give back what is due to that person.
As we know the conditions of the repentance if you were dealing with robber stop, so your home, pay back what is owed to the bank
and take what is yours. If you've have already paid off your home, repent to Allah by being remorseful and regretful, and by intending not to do this sin again
and repent before it's too late before you die. These are the conditions of Toba of repentance.
And if you do this, there is no blame on you. Even if you've paid off your home through riba don't destroy your home.
Don't burn your home, don't sell your home, unless you want to sell it to buy another home.
You don't have to do this. But if you are now involved still in the repair and you're paying back, you have an obligation.
You have an obligation to sell it and to put your trust in Allah azza wa jal
And subhanAllah after Allah azza wa jal, he mentioned those areas about Riba and sutra Baqarah so many verses and he spoke about taqwa and he spoke about being forgiving. After this in the next area, he mentions
what up
to Jonah fee Elam?
What Turku young woman Tooru Jonah fee Elam long, he says and fee and fee a day you will be made to return to Allah. Remember, you and I are going to be standing in front of Allah azza wa jal a day that is 50,000 years long. What have you prepared? What have I What have you prepared for this day of standing before Allah azza wa jal
know that Allah subhanahu wa taala he promises prosperity in this world and the next to those who abstain from the best specifically those who abstain from riba you want to be successful. You want to prosper Allah azza wa jal then insert earlier Emraan in the 100 and 30th Verse of the third chapter of the Quran Allah subhanaw taala says,
yeah.
Are you Hello Dina Manohla Kunal Reba,
let up call arriba.
Mobile MOBA What duckula
TUIfly Hoan what up Allah Allah Allah come to flare Who
are you who believe, do not devour ribber doubled and multiplied but fear Allah, that you may prosper. And remember, the one who transgress the limits that are set by Allah azza wa jal is wronging himself. And lastly, remember that neither happiness or grief is everlasting in this life, but one of the two is everlasting. In the next, which one do you want my dear brother and sister in Islam? And is with these words, that I leave you with My Dear Brothers and Sisters in Islam? And Allah subhanahu wata Allah knows best
Allahumma Aryan and haka Hakan, wassup nativa. Well, Arenal belt in abou tienen what Mishti Nurb are SallAllahu wasallam our Baraka ala Sayidina. Muhammad
Allah
is no god