70 Major Sins #09 – Sin 12 – Riba (Interest & Usury), Sin 13- Usurping the Wealth of Orphans

Fatima Barkatulla

Channel: Fatima Barkatulla

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Okay, this smilla Alhamdulillah wa Salatu was Salam ala rasulillah the sisters a salaam aleikum, wa rahmatullah wa barakato. And welcome to the 17 major sins, clause 17 major sins and how to avoid them class where we are going through

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or we're basing our class on the book Kitab al Qaeda or via email.

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So I'm just going to share my screen with you.

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So the 12 major sin which we are covering in this class today. Hopefully we'll do more than we'll do the 13th as well and

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see if we have time for the

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14th is a Riba which is usually translated as interest interest, like bank bank interest basically, or usury.

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But I'm gonna continue using the word rebar because

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you know, technically speaking, rebar is more than just interest. It could be other types of things as well. Yeah.

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So

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Allah Subhana, Allah

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says in the Quran, yeah, you have Lavina Amanullah, kulu, la Kula Reba are the alpha mobile alpha, what type of Allah Allah Allah come to flee home, that Oh, you who believe, do not

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consume or eat rebar

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doubled and rebar redoubled and be pious to Allah will be conscious of Allah, so that you might prosper. This is in Surah, three iron number 130.

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You know that at the time of the prophets, Allah Salam.

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Before Islam,

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river transactions were normal, you know, in Arabia. So for example, a person would lend someone somebody needed money, they would come to a wealthy person, ask them for money. And that person would say, okay,

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but you have to pay me back

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a double double what I've paid you, I'll give you one year, but you have to pay them back double.

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And if that person maybe asked for an extension on the time, maybe they couldn't pay it back, then they would say okay, let's double it again. You know, so it's very extreme the way they used to do rebar.

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And that is usually known as a rubber jania. Right

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here, when Islam came,

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you can see that Islam didn't completely change all of the types of transactions that human beings were used to. But what Allah saw Allah sallallahu alayhi wa sallam did was he reformed, he reformed what was going on, right? So the bits, the things that were, how long the things that Allah forbade, or the things that Allah Subhana, Allah disapproved of, he slowly phased them out. Right? And the things that were fine that were going on at a time with Jay, Leah, even the types of transactions they continued, right? So as an example, if you look at the way that that Heidi Jernigan has employed profits or loss on them, you know, people usually say she employed him, but

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technically, their relationship before they got married was a business partnership. Okay. It's called a modaraba partnership. And what that is, is one person has the wealth. Okay? So that's Khadija Rhonda. She had the wealth. And, you know, she, she wants to invest it in something.

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But she doesn't want to do the work like in terms of she doesn't want to be the one who's doing the running around and the actual managing everyday side of it, right. And so she provides the wealth, and that's her half of the partnership. And then the other person, the person who she is in partnership with who is the Prophet sallallahu alayhi wa sallam, he provides the

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the legwork basically he does the running around, he does the actual hours, the actual work, right? And so in that way, but he doesn't provide any of the money towards the you know, buying and selling and whatever, whatever costs are needed for the business. So you can see how it's a type of partnership, isn't it? And that's known as a mudaraba partnership and what you will see even in modern times

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you know, some of the Islamic banks or Islamic

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financial institutions, they try to they have the same, some of the very similar structures that

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are based on the structures that existed, even at the time of the profits and loss. Some people argue that those structures are not really authentic, the ones that are happening nowadays, and there's some controversy, you know, some people will think, Well, actually, they're very, they're just like, interest transactions, some of them

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but, you know, there are people in that industry who are constantly trying to reform it and improve it.

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But one of the things you'll notice is the same language is used similar language similar names for the different types of transactions.

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So here in certain Baccarat

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laws of Canada Allah

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says that those who consume rebar will stand on the Day of Judgment like those driven to madness by chance touch that is because they see

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that trade is like rubber, right? trade is like rubber. So buying and selling is like a robot. They say it's the same thing. But Allah has permitted trade and he has forbidden Riba. Whoever refrains after having received warning from their Lord may keep the previous gains and their case is left to Allah. As for those who persist It is they who will be the residents of the fire, they will be there forever.

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So, over his lifetime, the prophet SAW Selim, slowly

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you know,

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I believe he initially forbade

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large amounts of rebar. Okay. And then eventually he forbade all types of rebar. Okay.

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The Quran on Riba?

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Other ayat you'll see that Allah Subhana Allah describes

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those who consume Riba. First of all, he says that they they have a warning of war from Allah and His messenger. Can you imagine? I mean, that, that really kind of shows you why. Jani mama babies included it in kids, I will come back, right because how many seals Have you heard that Allah subhanaw taala describes them as him being at war with the person who commits that sin? Right? It shows you how serious it is, right? Oh, you who believe beware of Allah give up any outstanding dues from Riba. If you are truly believers, if you do not then be warned of a war from God and His messenger from Allah and His Messenger,

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whatever and then another idea, whatever you lend out, and usually to gain value through other people's wealth will not increase in Allah's eyes. But whatever you give in charity, in your desire for Allah's approval, will earn multiple rewards, always encouraging charity

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and forbidding

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Riba, okay. And in a way, the reason why these are connected is that, if you think about it, a lot of the time when people charge a river charge interest.

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It's usually wealthy people, or wealthy companies or wealthy organizations,

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collectives of wealthy people.

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lending money out to poor people isn't a right.

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Or people who, who I need.

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And Islam sees the act of lending money

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to be

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a kindly act. It's supposed to be a kind act, it's supposed to be a type of South Africa in a way, because you're being nice to somebody, you're doing them a favor, right? With the wealth that Allah gave you. At the end of the day, Allah is the one who gave you that wealth. And he didn't give the other person

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and that person needs it. And you are giving it to them. Now you shouldn't be trying to make a gain from that person's need. Right? You should not be trying to make a game from that person's need. You're not investing in that person's company. You're just lending them money. So now you're trying to make money from money rather than making money from investment or trade.

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Do you see? So you're not. So can you see the difference between trade and, and Riba? If you're trading, you're buying something, or you're investing in a particular person's company. So it's like you have a share of it. Now, if you, if that person makes money, they'll give you a share of that money.

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So it's not alone. That's an investment, right?

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Or it's a type of trade. But when it comes to

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Riba, you're literally just lending them money and you want that money back and you want more. So you are trying to make money from money

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rather than trying to make money through investment, or through buying and selling right?

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So Allah says that basically there's no Baraka in Riba. That's what this is saying, right? That your wealth is not going to increase

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some of the Hadith on Riba

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Prophet sallallahu alayhi wa sallam said she would say Salaam Alaikum Salaam, on the day of Ascension on the, you know, salon mirage. I came upon people whose stomachs were like houses with snakes visible from the outside. I asked you, buddy, who are they? That he replied that they were people who had received interest receive Riba. Okay,

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so he could see people being punished, right? And we're in a very terrible state. And in another Hadith, the Prophet sallallahu Sallam said Riba has 17 segments, 70 types or 70

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pieces, or 770 types, really, the least serious being equivalent to a man committing adultery with his own mother

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panela

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you can see that's how filthy it is in the last round of the Alice eyes.

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And in our times, a person might think, Well, why, you know, why? Why is it that bad, you know, worse than committing adultery with a person with with

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a person committing adultery with their own lover.

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Right.

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So let's talk about what rebar is. rebar is an Arabic word, which means to increase, or to exceed.

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That's literally, but it's and it's commonly translated as interest, or usually in English.

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And it's basically a charge for the use of somebody else's money. Right.

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It also includes unequal exchanges. So there's different types of rebar one on one is, you know,

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the main tool that I could say, are

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lending someone money and then asking them for more back, okay, or asking them for more back. And the other is exchanging certain things unequally. Okay, except exchanging certain types of things. And equally,

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and we'll talk about that in a minute. An example of this would be taking a loan from someone who expects it to be repaid,

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in addition to 5% per month

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on anything that has not been paid at the end of each month, right. So you can see, in that case, it just keeps increasing increasing is the amount that needs to be paid back.

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So for example, you learned 100 pounds for one month, at the end of that month, you

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the person has to repay you 105 pounds, that's rebar, right?

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It's not just interest, but some other there are other forms as well or sometimes people do these kind of tricky type

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transactions which in essence end up being rebar, right.

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So that's why it's important to get your business transactions or business

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dealings

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either to study phip and understand all the types of dealings that are allowed or to

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refer to scholars you know for the specific details of your interactions and your sorry, your transactions.

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So, there are two main types of rebar, rebar, all federal

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which is basically exchanging certain

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certain items that are known as a Riba we items, exchanging them in an equal amount

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Okay.

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For example the and here the prophet SAW Selim said, gold for gold, silver for silver wheat for wheat, barley for barley dates for dates, and salt for salt, like for like and hand to hand, whoever pays more, or takes more has indulge, indulge in Riba, the taker and the giver are like

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in guilt.

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So like, just to give you an example of that, so, say you're going, this is like a small example. So you want to you've got some gold, right? Some old gold, that happens, right? quite commonly, a person has,

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I don't know, some old jewelry. And they, they want to buy some new jewelry. Gold again, but new.

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Now, the correct way to do that, as a Muslim is not just to directly exchange it, even if they weigh the same.

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Because one of them the quality of it is better, you know, and it could be better. For example, the scholars say you what you should do is you should sell it to the the gold sniff or the gold seller.

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The jeweler that's, that's the right word, you sell it to the jeweler, and then the jeweler, give you the cash. Okay.

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And then you use the cash to buy new gold.

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Okay.

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So there shouldn't be discrepancy between them.

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And Riba and the car is postponement, rebar or the rubber that is mentioned in the Quran. And that is that results from deferment of repayment in lending or borrowing transactions. Yeah. So

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if you say, Okay, I'm going to pay later.

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And also, you know, increasing it as well. Yeah.

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Here are some of the other some of the common terms for rubber.

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There are, there's rubber and SEO, we've already mentioned that and that involves a delay in exchange of counter values, for example, the exchange of one ounce of gold to be given now in return for one ounce of gold to be received next week.

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You know, the value of the gold might have changed, and that's why that is not allowed. Okay. Rebel father, they usually have surplus involves a surplus in the exchange of counter values, for example, one ounce of gold to be given now in return for two ounces of gold to be received.

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I think that should say

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yeah, now okay. Yeah. So in other words, you know, you're increasing the amount

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Riba corrode, they usually have loans the lender of money contracts to receive more money in return then he lent in the first place, okay. So, these are like interest bearing loans in in the West rebar, elbow, they usually have trade. Here the counterparties in a trade of non monetary commodities, exchange unequal amounts of the same genus same type. For example, a small weight of good quality data is traded in exchange for a larger weight of poor quality dates. This transaction consists of rebar and fuddle

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I think that could also be then the example that I gave about the gold you know, might come under that.

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A rebar rebar. Rebel corral the usually mentioned in the Quran, we usually have loans being mentioned in the Quran is a form of rebuttal Quran. So

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usually the one in the Quran is, you know, interest as we know it, right. When you when you lend money, and then you

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ask for more in return.

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rebuttal Jai helia they usually practiced in the time of ignorance amongst the Arabs before Islam, and pagan Arabs would offer Odetta the opportunity to defer settlement of the debt in return for a larger payment in due course, the elements of delay and surplus are clearly in evidence here. So

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so you see here,

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this is about delay. This type of robot is about surplus, right? increasing amounts and this is about

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increasing one of the counter values. This one is about

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delaying the payment right.

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Most of the time when you see regard transactions nowadays they include both of these both of these in one right so you delay the payment and you give more.

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In return

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reball rebel Hadith or reverse Suna

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usually defined in the Hadith or by the example of the Prophet sallallaahu salam. The Prophet sallallahu alayhi wa sallam explained a Riba and abou in the Hadith, and this type of Riba is therefore synonymous with some categories of Riba and Hadith. So basically, there's so many habits where the Prophet sallallahu Sallam described something and said, this is Riba. All of those become also a type of Riba and they might not have been mentioned directly in the Quran, right?

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The Islamic view of wealth so so I think it's really important for us to think about, you know,

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what is wealth? Because that helps us to understand why

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Allah forbids interest why he forbids rebar.

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Wealth is a trust from Allah, right? So all the wealth on the earth, anything of value

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Allah gave us right.

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Even the gold, even the silver, even all of that it's in the ground that Allah created, right. And he gave us that wealth and gave us the ability to extract it.

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So everything that Allah has given us on this earth is a trust from Allah, we all know that as Muslims, right, and we are stewards.

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So what that means is that when we acquire that wealth, or use that wealth, we must do it in a manner that is pleasing to Allah, of course, right? Because it's not ours to begin with.

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We may be technically ours during our time on Earth, okay?

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My own it, but the ultimate owner is Allah, right.

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And he will hold us to account for how we acquired it. So that means how it came to us and how we used it.

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The poor, have a right to the wealth of the rich,

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which must be discharged by as a car, of course, right? And also through sadaqa. And lending money in Islam is seen as fundamentally a charity charitable act.

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Right? Because when you're lending money, you're doing someone a favor. It's not It's not supposed to be

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to benefit you.

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Financially, right.

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And that's why you know, canceling debt is very encouraged in Islam, you know, if somebody seems to be finding it hard to pay you back, just be easy on them, they're seen as a virtuous thing, right? forgiving people's debt.

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And so what Islam wants the wealthy to do is to lend to the poor

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and to invest, right? for mutual benefit, not for only their own benefit, but for mutual benefit.

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So engaging in lawful trade by investing in you know, somebody's business, for example, or giving interest free loans and gifts, okay, will be rewarded by Allah, and the hereafter, these are all considered things that you, you know,

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good acts that you can do.

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Now, apart from interest, there are other types of transactions also forbidden, we can't go into all of them, but just to just for you to know that

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transactions that have a high amount of uncertainty, which is known as a voter and transactions that are similar to gambling, right, which, unfortunately, the modern economy is very much like,

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are not allowed either, right.

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And

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the modern economy is very much based on selling debt. So selling somebody else's debt to someone else. Banks, that's what the banks do, right? They sell, they have all these people who owe them money, and they sell all of those debts to other banks, or other financial institutions, and then it goes on and on. And then that's why when there's a crash, it affects everyone because

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there's so much interdependence, right between all of the institutions

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You can look up these amazing YouTube videos online where they kind of

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explain to you why the financial crash happened in 2008,

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you will find it very interesting to understand that it's all based on and because of the debt based casino style economy where debt is sold on to other people, and then they sell the debt to someone else. And it's all interconnected. And, and so if, if hundreds of people 1000s of people start defaulting, and they can't pay off their debts, each of the institutions like dominoes, now there's like a domino effect. And it kind of causes the whole economy to kind of be affected in a negative way. So

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yeah, I'd encourage you to look that up.

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You know, the financial crash, why did the financial crash happen in 2008.

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wealth has a metaphysical quality to it, and the Islamic worldview, right, which renders it blessed or cursed.

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So wealth isn't just, you know, a physical thing.

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It has a metaphysical meaning beyond the physical quality to it. So you might have one pound, we know this right? as Muslims, you might have a pound, and Allah puts a burqa in it. That's what I mean by metaphysical quality. And that Baraka makes that one pound bow so far, right?

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And a person might have 100 pounds or 1000 pounds, and there's no Baraka in it, there's no blessing from Allah. And that money gets goes to waste, you know, doesn't benefit the person at all. So, but our key is what we're all trying to seek in our wealth.

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And the Baraka is given to the wealth that is from lawful sources, and that's utilized properly.

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I want to mention here that, that's one of the other things about Zipcar as well. When you give a car, when you give us a car, basically, what you're doing is purifying the rest of your wealth. So now the rest of your wealth will have Baraka, right?

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Sorry, is there a very strong sound that you guys can hear?

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Me? No.

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There's no sound? That's good.

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Yeah.

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Okay, so talking about botica.

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Also, so Conversely, the opposite side, wealth that is

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acquired, and spent unlawfully

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even though it might look like it's very profitable, right, you know, like these, when you read these books, like, about wealth, and how to make loads of money and

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books about

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by, like these famous authors nowadays, you know, self help, books and things, one of the things they always encourage is what they call compound interest accounts, right? So putting your money into bank accounts,

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where eventually the interest will compound compound and you'll you'll be making so much money on your initial amount that you put in and, you know, the regular amounts he put in that.

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It's like exponential, right, it just keeps getting

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more and more.

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But of course, such bank accounts would be hard aren't right.

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For us as Muslims.

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Now they may seem like they may project the illusion of being profitable, okay? But those types of bank accounts, those types of transactions are blighted by lack of Baraka in this life and punishable by a lot in the next so don't be diluted you know, you might know some people might be doing big transactions and stuff they seem like they're so wealthy and so rich and so successful. Okay. I mean, Muslims, right.

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who have fallen into this major sin.

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And,

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but you know, what, you don't know what lack of Baraka they might be experiencing in their life. You know,

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you don't know.

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I remember my father in law telling me the stories bit scary.

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He said,

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I think it was one of his friends was on his deathbed.

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And they were having like a, you know, banter

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about like, you know, money and this and that. And this guy was

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like dying. He's dying. He's really ill. And

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he had throat cancer, I think throat Yeah, had throat cancers camela.

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And when my father in law was talking to him, and they were talking about money matters and things, the man basically was

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he was bragging,

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okay, to my father in law that he for the last

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10 years or something like that had only been living off the interest that was in his bank account. Okay.

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panela, right. He thought that was really clever of him, right? That he had so much money, he'd put so much money in the bank account, that he just looked at how much interest he was making every month. And he just used that. That's all he lived off.

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And my father in law was like, Oh, my God.

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Like you basically destroyed yourself. Right? And my father in law was reflecting on the fact that

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it's not

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Yanni. I don't know if I should call it an irony

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that this man had throat cancer, right?

00:31:42--> 00:31:59

Because Allah says in the Quran, you know, those who eat Riba I mean, that's literally how Allah describes it. And my father in law was saying, This man was literally eating rebar, because he said, he lives off his day to date, he lives off

00:32:00--> 00:32:07

the interest that he gets on his savings. So balilla so that's basically eating rebar. Right?

00:32:09--> 00:32:18

And we were just thinking, Pamela, how you know, sometimes as Muslims get so deluded, right, into thinking that these things are nothing

00:32:20--> 00:32:25

and end up doing the exact thing that the Quran is saying, don't do that.

00:32:26--> 00:32:31

Stop eating rubber. I mean, that's how Allah uses the word utkal right with the rubber.

00:32:36--> 00:32:46

So in other words, what seems to be very clever and what seems to be like you know, financially expedient is not necessarily blessed by Allah.

00:32:47--> 00:33:00

So what we want to focus on is how we can get better cut in our wealth, by avoiding the types of transactions that make a lot of 100 Allah angry, and that Allah Subhana Allah has forbidden

00:33:03--> 00:33:10

even if it seems like we're making less money, or we have less profits monetarily

00:33:11--> 00:33:22

the fact that we're doing it for the sake of Allah and we're, we're avoiding the Haram means that it's more it's is going to be better for us, it's going to be better for us because Allah is going to put butter in it.

00:33:26--> 00:33:46

Some of the harms of Riba are that Riba is basically unearned wealth, wealth, right? Because you're not actually contributing to any productive activity, you're literally just lending something. And then you just want to make money off that, or you're just exchanging something, and you just want to make money off that exchange, not

00:33:48--> 00:33:50

through investing in something, right.

00:33:51--> 00:34:10

So the wealthy end up getting wealthier, and the poor become enslaved and indebted. Right. And that cycle keeps going on because, you know, the poor keep they they basically become enslaved, don't they, to these to the debts that they have to pay for the rest of their life.

00:34:11--> 00:34:47

And when I say poor, we're not talking about destitute people necessarily, right? We're talking about people with a need people who don't have those that amount of wealth they need, for example, for a project for for their company for their work, or they fall on hard times, and they need to borrow money, etc, right? They end up being more becoming more poor, becoming more indebted. Right. That might like for example, even credit cards, right? People feel as though they might be driving around in an amazing car, for example, that they bought on a credit card or,

00:34:48--> 00:34:54

you know, amazing clothes and they've got this and they've got that, but then what happens, you know, they,

00:34:56--> 00:34:59

they get carried away, and then they realize that Oh God, you know,

00:35:00--> 00:35:12

I have to pay off pay this off with interest every single month. And eventually, sometimes, you know, they, they know that they can't do it or they, they end up having to do it for the rest of their life.

00:35:13--> 00:35:17

So it's a bit, it's like a mirage, you know,

00:35:18--> 00:35:20

it's not really

00:35:22--> 00:35:37

enriching the needy, it's allowing them to live a live for the, like, quick, expedient rewards now, but then they'll be paying for their lifetime, right? They'll be indebted.

00:35:38--> 00:35:57

It encourages the hoarding of wealth by the rich. So instead of the rich, freeing up their wealth, investing, giving in charity, you know, buying shares, all of that, which helps the economy, you know, it really helps businesses and it helps more people in the in the long term.

00:36:00--> 00:36:09

Wealthy people are encouraged to hoard their wealth, keep it in bank accounts, for example, right? Because then the banks will lend it out and then

00:36:11--> 00:36:13

and then they will get more back. Right.

00:36:15--> 00:36:22

You can see that rebar was even forbidden in the Jewish and Christian scriptures, right.

00:36:24--> 00:36:25

And all over Europe,

00:36:26--> 00:36:31

it was seen as an evil thing, even like, by by the Greeks, you know.

00:36:33--> 00:36:44

But over time, what happened is, I believe that I think it was the Protestant church that first started allowing it. And I think amongst Jews, they weren't allowed to do it.

00:36:45--> 00:36:49

Or they were the rabbis allowed them to do it between

00:36:50--> 00:36:52

with non Jews, right.

00:36:54--> 00:36:57

With Christians, they just basically

00:36:58--> 00:37:22

decided that usually means large amounts of interest. Okay. So they've, they still continued to forbid large amounts of interest. But small amounts of interest are okay. For them right. Until now, and now you can see that the entire economy is based on interest is based on Gruber

00:37:25--> 00:37:38

the prohibition of rebel further is intended to ensure justice, and remove all forms of exploitation through unfair exchanges, and to close the back door to rebar in the car.

00:37:40--> 00:37:41

Okay,

00:37:44--> 00:38:06

how do we avoid? And how do we get rid of our rebar? Can you remember him we might have. So like I said, the entire economy is kind of affected by rebar, you know, and the prophet SAW Selim did tell us that, you know, there's gonna come a time when the dust of rebar is going to touch everyone. You know, Pamela,

00:38:08--> 00:38:27

I think we are living in that time. So we have to do is do our best, you know, if you can, and where you can you avoid rebar, especially when you can see that it's directly you paying rebar, or you receiving it, you know,

00:38:28--> 00:38:30

avoid those completely.

00:38:33--> 00:38:47

And that means seeking knowledge and asking people of knowledge if you're not sure. So if you've got specific examples of things, and you want to know if that's a rebar, you need to ask people specifically, you know, scholars near you, for example.

00:38:50--> 00:38:51

The other thing is

00:38:53--> 00:39:08

a genius idea, which is living within your means, right? Because what is the main reason in our times that people get credit cards, or they, you know, have these accounts in stores? Or what else

00:39:10--> 00:39:14

take loans even right? Sometimes, it's because

00:39:16--> 00:39:19

they don't want to live within their means, you know.

00:39:22--> 00:39:44

And so, because they can't afford that really nice car that they want, they'll get a credit card or they'll do something, you know, to get a car that they want a new car, but they can't really afford that. Right? But they would like to live that lifestyle.

00:39:45--> 00:39:52

So as Muslims, we need to understand that look, you know, living within your means is a blessing.

00:39:53--> 00:39:59

If you have a certain budget, stick to that budget. You don't need to

00:40:00--> 00:40:03

If you can borrow without interest easily,

00:40:04--> 00:40:05

and pay it back,

00:40:06--> 00:40:11

that might be allowed. Okay, that's allowed, like if you borrow some money from a friend, for example, or whatever.

00:40:12--> 00:40:13

But

00:40:14--> 00:40:25

even that state of being indebted to somebody is not a good state to be in, you know, debt is not good.

00:40:26--> 00:40:35

You know, you know how the Prophet sallallahu sallam, when somebody when people died, and they had a debt to pay, he would not pray the janazah until the debt had been repaid.

00:40:37--> 00:40:38

That's how serious is Yeah.

00:40:39--> 00:40:43

Like, you need to take that seriously.

00:40:45--> 00:40:53

So we should avoid getting into debt in the first place, right? Instead, we should encourage people to sponsor invest.

00:40:55--> 00:41:12

And for our day to day lives, live within our means, right? Or try to earn more money, try to find ways of, you know, being entrepreneurial, being more wise with your money, etc. to earn more.

00:41:17--> 00:41:22

So the key thing is not to derive any personal benefit from Riba.

00:41:24--> 00:41:46

So if you're trying to get rid of some say, you've got some interest money, and first of all, try to have a bank account that does not accrue interest. Okay, a lot of bank accounts, you could actually contact the bank and say, you do not want any interest. But the problem is, they're probably end up taking the interest, you know. So it's not like there isn't any interest, it's just that they take it instead.

00:41:47--> 00:41:51

So better to try to find an Islamic bank.

00:41:53--> 00:41:55

You might not think it's like banks are perfect, but

00:41:57--> 00:42:03

definitely better. Right, they'll definitely be better than the, you know, the the other banks.

00:42:08--> 00:42:14

But to a certain extent, it's kind of become a necessity, isn't it to have a bank account, right. So

00:42:16--> 00:42:19

at least we should make sure that we're not receiving interest.

00:42:20--> 00:42:24

And we shouldn't spend that interest in order to get rid of it. We shouldn't use it

00:42:26--> 00:42:30

to for anything that we're consuming, you know,

00:42:32--> 00:42:56

even if it's to pay taxes, you know, you might think, Hey, you know, taxes, I could just use my interest and interest, I've got to pay the taxes. No, no, because he's still benefiting, you see, paying the tax is still benefiting you. So don't take any benefit from that, or about what you want to intend is to just remove it, it's like you're trying to throw it away, right? Trying to get rid of it.

00:42:59--> 00:43:00

to purify your money from it.

00:43:02--> 00:43:04

And it's even the scholar say, not considered Southern,

00:43:06--> 00:43:11

you know, because South Africa is pure and good wealth.

00:43:12--> 00:43:27

And Allah subhanaw taala only accepts that which is pure and good. But in order to get rid of it, you might you can give it to charity, okay, it's just that you're not going to get rewarded for that, you know, for as charity.

00:43:30--> 00:43:33

So, I hope that's clear to everybody.

00:43:34--> 00:43:37

And then we can make a start on the next section, which is

00:43:39--> 00:43:50

a Kumar lillia team will more consuming the property of orphans and wronging them or oppressing them.

00:43:53--> 00:43:56

pallulah you know, the prophet SAW Selim himself was an orphan, right?

00:43:58--> 00:44:00

They tell me, why do you think

00:44:02--> 00:44:09

orphans are singled out in this way? You know, because if you think about it, eating the wealth of anyone

00:44:11--> 00:44:23

in a haram way, is not allowed and oppressing anyone is not allowed. But why do you think they get in here is more kind of specifically mentioned and emphasized.

00:44:25--> 00:44:26

I want to hear from you.

00:44:38--> 00:44:40

Anyone have anything to say?

00:44:41--> 00:44:50

vulnerable? Yes, exactly. orphans are more vulnerable. Why are they more vulnerable? What What is the key to the vulnerability

00:45:01--> 00:45:14

If you think about it, who looks out for you the most, you know, who looks out for you make sure you don't have anyone taken advantage of you, or is willing to basically put themselves in harm's way for you.

00:45:16--> 00:45:18

Your parents, exactly your parents, right?

00:45:21--> 00:45:23

And when it comes to

00:45:25--> 00:45:30

an orphan, technically Islam in Islam, an orphan is a person who's lost their father.

00:45:32--> 00:45:36

You know, so even if they've just lost their father, that's an orphan.

00:45:37--> 00:45:39

Even if their mother is alive.

00:45:42--> 00:45:45

And obviously under age, so if they are,

00:45:46--> 00:45:50

you wouldn't call it an adult, an orphan, right? whose parents have passed away?

00:45:51--> 00:46:26

But somebody who's not an adult, yeah. Okay. So they're really vulnerable. It's a child, they don't have the most important person or people who look out for the interests around them who would manage their affairs and their wealth. Right? Exactly. And who would provide them with unconditional love. They're like a key person who is so easy to exploit, if you think about it like that. And because it's so easy to exploit somebody who doesn't have parents looking out for them,

00:46:27--> 00:46:28

or your team.

00:46:30--> 00:46:36

That's why it's such an evil sin. It's such an evil sin. Right?

00:46:41--> 00:46:49

It's not so easy to oppress or to take advantage of other adults, for example, all of the wealth of a child who's got parents,

00:46:50--> 00:46:57

but a child who doesn't, you know, it's very easy for the adults around them

00:46:58--> 00:47:07

to just basically take advantage right? Of that child's innocence, ignorance, you know, just naivety etc. Right?

00:47:12--> 00:47:14

So Allah Subhana, Allah says in the Quran,

00:47:16--> 00:47:38

in the levina, coluna, and welily uttama volman in the Maya coluna, feeble Tony him now da, La Salle, slowness, Ira, Indeed, those who unjustly consumed the wealth of orphans, they do in fact, consume nothing but fire into their bellies, and they will be burned in a blazing hellfire.

00:47:41--> 00:47:55

And Allah Subhana Allah tells us that do not come near the wealth of the orphan, unless intending to enhance it. So unless you're trying to invest it in something so that it would become more for that orphan for that orphan

00:47:56--> 00:48:11

for that for their benefit, and then don't even go near it until they attained maturity, give full measure and weigh with justice. We never require of any soul more than what they can afford.

00:48:14--> 00:48:16

Okay, I'm gonna read all of it because of time.

00:48:18--> 00:48:20

We can see that emphasis Yeah.

00:48:22--> 00:48:25

And in the Hadith, the Prophet sallallahu alayhi wa sallam said,

00:48:26--> 00:48:27

that,

00:48:29--> 00:48:36

Oh Allah I have issued a warning in with regards to the rights of two vulnerable groups,

00:48:37--> 00:48:42

orphans and women, meaning, especially widows, you know,

00:48:45--> 00:49:03

a boohoo writer reported the Prophet sallallahu alayhi wa sallam said, stay away from seven mortal sins. So in the Hadith about the seven deadly sins or seven mortal sins. So these are the worst of the worst of the major sins a lot. Or the prophets Allah Allah mentioned this.

00:49:05--> 00:49:06

When they asked,

00:49:07--> 00:49:13

or messenger of Allah, what are they what are those seven mortal sins The Prophet sallallahu alayhi wa sallam said schilke

00:49:14--> 00:49:28

Shin, Camilla and Sal right. Magic or what you should say. witchcraft, killing a soul that Allah has sanctified except for just reason. Like, in other words,

00:49:29--> 00:49:31

you know, execution by a

00:49:32--> 00:49:34

by a hacking

00:49:36--> 00:49:40

consuming rebar. Okay, so rebar is one of them, so panela

00:49:42--> 00:49:46

and usurping the property of an orphan,

00:49:47--> 00:50:00

then fleeing the battlefield, and accusing chaste but unwary believing women. So in accusing innocent women of, you know, committing adultery,

00:50:00--> 00:50:06

tree, these are all the major, major major or the major rest of the major sense if there is such a phrase,

00:50:07--> 00:50:10

inshallah we're going to carry on next time. Okay?

00:50:13--> 00:50:17

To look at this in the meantime, if you have any questions in the last few minutes, let's see,

00:50:22--> 00:50:27

I'm confused and want to buy a house and consider considering this mortgage

00:50:29--> 00:50:33

that allowed or is it the same as a robot, just a different name?

00:50:34--> 00:50:38

I know lots of practicing families using his home mortgage, I'm not sure if it's Hello.

00:50:42--> 00:50:43

Okay, um,

00:50:46--> 00:50:53

all you should do is you should consult a scholar in your locality. Okay. Go through the contract with them.

00:50:55--> 00:50:57

And then make a decision.

00:51:00--> 00:51:02

So with some of the big banks, you know,

00:51:05--> 00:51:11

I know that, for example, my own father, he's involved in Slavic finance, and he has approved some of the

00:51:12--> 00:51:18

some of the so called Islamic mortgages with some of the big banks, right.

00:51:19--> 00:51:31

But other scholars who you might consult, they might not agree with that. So it's hard for me to say to you, yes, or no, you know, in a very direct way, I would say,

00:51:32--> 00:52:12

when it comes to this kind of decision, you should have the contract, you should go and analyze the contract with a scholar that you trust and who is not just that you trust, but somebody who is well informed about financial transactions, because sometimes it can be quite complicated, right, like contract checking, etc, services. I think, for example, in London, the Islamic Council of Europe, they have that service, they offer this contract checking service, if those are if the people in Islamic Council of Europe scholars that you would refer to refer to them, otherwise, you know, whoever your scholars are, that you refer to you can

00:52:13--> 00:52:17

refer to them in sha Allah with the specifics of the contract

00:52:18--> 00:52:20

is buying shares a lot of the time Yes.

00:52:23--> 00:52:31

Yes, it is. But obviously, shares in Hello companies right or Hello products. So,

00:52:34--> 00:52:36

typically, the average kind of

00:52:38--> 00:52:39

bank account that is

00:52:41--> 00:52:54

investing in shares or people who are investing in shares, they will take a little bit of like a share of all the top companies, right. And so her companies could be pornography, some of them could be

00:52:56--> 00:53:02

financial services, lots of different things right, but we as Muslims would want to stay away from

00:53:03--> 00:53:09

and so that's why, you know, you have to be careful, but there are some Muslim

00:53:11--> 00:53:15

kind of investment platforms now, which you could look into.

00:53:17--> 00:53:20

Which obviously the screen screen out

00:53:21--> 00:53:25

the her arm companies or the her own products,

00:53:28--> 00:53:37

your loan sharks, that's an example of extreme, like, people becoming completely indebted and taking advantage of poor people basically.

00:53:41--> 00:53:51

Okay, yeah, Islamic council Bureau. That's what I said. Okay, sisters, so inshallah we're gonna leave this class for another week. And charlo will be back next week.

00:53:52--> 00:54:07

And until then, just call our current Salam aleikum wa rahmatullah wa barakato. subhanak. Aloha mobi handig. eyeshadow Allah Illa illa Anta esto firaga water to buoy like

00:54:09--> 00:54:10

salaam aleikum