Riba – The Mirage Of Profits

Ibrahim Nuhu

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Channel: Ibrahim Nuhu

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Bismillah al Rahman al Rahim Al Hamdulillah Muhammad who want to say you know, what is that? What will they be? Let me shoot me scenario Mr. Yatta, Molina Mejia had Hillel Philomel the letter

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when you delete Fela harira wash of Allah Allah Allah Allah who actually will actually color wash when the Mohammed Abdullah who are Zulu. Yeah, you already know. I'm going to talk Allah Hakka Jakarta he wala temotu 11 to Muslim moon. Yeah, you have now Sutopo Rama Kamala the Halacha Camilla nursing Wahida are color coming huzzah Jehovah Femi who Magellan cathedral Manisa what Tala Khalid, et cetera Luna be he will have harmony in the lock and Aliko MerKiVa Yeah, you already know I'm at the top Allaha Kulu Colin said EDA, la cama Malika

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OMA ut la hora Sula, who forgot the Pfizer frozen Aviva I'm about to find now Sokka edaphic kitab Allah wa Sen how do you how do you Mohammed in sallallahu alayhi wa sallam who should have been more than magnified to how coulomb efforts in Villa or Calabria in Valhalla haka liberality, and if enough,

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brothers and sisters ask Allah subhanho wa taala, to grant you good in this life and good in the hereafter, and make all of us among those who will be

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receiving the book in sha Allah in the Hereafter with their right hand and the Allah subhanaw taala grant us success and ease of affairs and give us a good heart that adheres to the message of Allah subhanho wa Taala and restrict itself to that which is permissible in Islam. The topic which is given to me today is about Riba.

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The Prophet sallallahu alayhi wa sallam in that famous Hadith which I guess every single one of us knows, he says he Telugu several movie but he said stay away from the seven

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destroyers and more something that destroy another thing. So he said several media mogul card in fact Kabila or shield could be associating partner with Allah subhanho wa Taala that's the greatest sin Amen, you should be lucky if I can. Namaha Romina sama if a doctor who will be here today who FEMA can incite and whoever suited partner with Allah subhanho wa Taala okay and Mr. Cara Mina, semi

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forgotten Cara Mina semi, but after photo I will definitely be ready. So it's like somebody who is falling from the from the sky. You know, imagine somebody who's falling from from the photographer who you know, the speed is very high, you know, so he will be snatched by by the birds, you know, very quick snatching in which they cut him into pieces in the space out there will be heavy FEMA, kindness or hate or the wind will increase the speed in which it caused him to hit the place which is sake in a very solid.

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So you can imagine the situation of that person. And what was his his problem? He associate partner with Allah subhanaw taala Allah Subhana Allah Allah says in surah 2 million, that can be somewhat of a burden I mean, who was in shock pull out of the water Pharaoh Jabbar who had under our manual ADA or Maya am available to clean a wallet in Kolonaki samurai wallet, you will have the money of the panda Sahoo not domanda or Kulu it he yo Malkia metaphora Allah subhanho wa Taala talks about the evil consequences of this sin is when the first person committed shake the counter somewhat yet for tournament. What a shock call our daughter Carol zhiban, who had their you know the heavens and the

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earth and the mountains, they're almost going to leave their positions and get destroyed completely.

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What was the reason

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for this reaction?

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Allah subhanho wa Taala says and they are a little manual, because there is somebody who says Allah smarter has a partner. Well my Mr Vela Ramana eautifully, the wallet it is inappropriate for Allah subhanaw taala to take a child of Allah

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or my Ambarella Ramona at the Holiday Inn coolamon visa Marathi will have the RT Rukmani Abda. How is it possible for somebody who owns the heavens and the earth, the kingdom and that which is in the in between? And whatsoever we know or we don't know everything is under the control of Allah subhanho wa Taala what does he do with a child? We look for a child for a reason.

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So now the Prophet salallahu Alaihe Salam, but there are other purposes a person wants a support in his life, especially when you reach the O H. You don't know what will happen in the future you might be in a state of need. And as such, you need somebody to support you in the last part of your life. Allah doesn't end. Allah's mountain knows the future. Knowledge is in Hand of Allah subhanho wa Taala and he controls everything. What is it

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Do with a child. So Schilke is the worst type of sin that somebody commit to disobey Allah subhanaw taala when a person does it, if he died without repentance would never go to paradise. So that's number one mentioned by the Prophet salallahu Alaihe Salam i in this several amiibo cards, while Catalina facility Hominem, Allahu Allah will hack

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and murdering somebody with no justification.

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You know, the person that Allah's monitor makes his blood sacred. You're not supposed to take that blood, Tao.

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He says Allah Allahu Allah illegible.

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And there's justification is given to who? Not you, not me, not anyone is given to the authority. They are the one who will analyze the situation to see if this person does not deserve to be assassinated. They have to execute.

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Not me, not you, not everyone, we don't take a lot in our hand. We leave it to the authority, they're the one who's supposed to do that.

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We have to apply the law of Allah subhanaw taala or else this kind of sin is going to be rampant in in the community, or Catalonia facility haram Allahu Allah will help. The Prophet salallahu Alaihe Salam I said, lie Hello demo Marie in Muslim in elaborate Datalogic the blood of a Muslim is not valid in order to be spelled except when he does one of the three things. You cannot share the blood of a Muslim except if he does one of the three things enough soon enough see what he killed another person he should be killed.

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What failure was Danny and the matron somebody who married before and then unfortunately he commit Zina. There has to be so until death. What technically didn't hear and methodically Gemma and the person who stays away from his religion, I mean committed apostasy and reject to be part of the Muslim community. Actually, a commission of apostasy is enough to put a person in that situation, which means he is now disconnected himself disconnecting himself from the Muslim community. If somebody does detach himself from the Muslim community, but he maintains Islam that's the problem in itself, but it doesn't necessitate killing. But apostasy is the main focus here. So the second sin

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mentioned by the Prophet sallallahu alayhi wa sallam about what destroys a person's life and puts you in a state of difficulty in this life before you meet Allah subhanaw taala is killing somebody. This register should be widely spread, you know in the Ummah of Muhammad Sallallahu sallam, so that people will understand that these are serious martyrs with Allah subhanho wa Taala the blood of a Muslim is sacred of the lives of Mercedes in lemon water bottle moody latte Lama clergyman Alka and epsa Wolfie herself could debate. You know one of the most critical moments that whoever gets himself involved in it, it will not be easy for him to come out of it is to share the blood of our

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Muslim. The Prophet salallahu Alaihe Salam I said last minute he first had to mean the inhuman and mistreat them and haram, it means the chances will be given to you and they will never get burned completely until the time you shut the blood of a Muslim. Allah says woman I have I can remember Hannah Jamia whoever I mean, cause the person to leave is like you are I mean supporting the life of humanity. And the same goes to when you kill a person is like you're killing everyone. And there are several rights upon that person, which in itself is enough, you know, to warn people against this evil act nowadays is rampant, the security in many places is gone. And why is that because the laws

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of Alaska hotel are not being practiced properly.

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The Prophet sallallahu alayhi wa sallam I was told by Allah subhanho wa Taala that if a person killed another person intentionally he will go to hell forever.

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You go to hell forever. So Catalan loves this country loves, it is not going to hell forever. This was last month I mentioned although this caller said if this person did not legalize it, do not make it halal. There will be three rights on him, right of Allah right of human beings and these are the family of the person whom he killed and the rights of the murdered person, the deceased and this one will be settled on the Day of Judgment. You know, Maca is going to be established between him and that person before Allah subhanho wa taala, who will be the judge Allah subhanho wa taala.

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And this is also applicable on somebody who assassinated himself

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because your life is not yours for you to play with it. This is the property of Allah subhanho wa Taala you and your life you and your soul. You are the property of Allah subhanaw taala you are not supposed to take your life in the way you're supposed to take the life of others, including the fetus in the womb. You want to suppose also to take your life. That's why in Islam suicide is totally prohibited Islam

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nicly

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the Prophet salallahu Alaihe Salam I talk about that a person should maximize his patience exercise patience, a lot smarter is going to give you a way out, as he says in the Malossi usara in the mud Oskaloosa in the meadow city. So, after every difficult situation that you find yourself in, ease is going to take place, even light out.

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Paulo katoon facility Harlem Allah Who 11 o'clock normality and consuming the wealth of an offer. Allah subhanaw taala says in the Latina kulula Amala, Letterman's Zillman in Nehemiah kulula Shibutani him now was a a slowness IRA, those people who are consuming the wealth of the Otama, who is Yeti, a team is somebody who lost his father. So if a person is to take that which is left for the Yeti, you know, disrespect them go through there, right? You know, Allah subhanaw taala is taking care of the Prophet salallahu Alaihe Salam said Allah will replace him in taking care of who the 18th and the weak in this society, especially the sisters, Allah is bound to protect them. As

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long as you observe the deen should be under the protection of Allah subhanho wa Taala whoever oppress anyone who is weak in society, who should wait for the action to be taken by Allah subhanho wa Taala Rasulullah sallallahu alayhi salam Asad anima Kathuria at McHattie I will be on the Day of Judgment me and the Catholic team, the one who takes care of the team. I will be with him like this smile like it will be accompany in the Prophet salallahu Alaihe Salam on the Day of Judgment. So taking the wealth of a team is like eating fire consuming fire Hellfire in your stomach. What I call Riba the Prophet sallallahu alayhi Saba said I'm taking the river. I will come back to this

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inshallah. And taking the above were colorful Moxa net and the Prophet sallallahu alayhi wa sallam I mentioned a cut for moss and allograft filat

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and Massena, this is the sister who is a FIFA. A FIFA means a decent woman, but somebody out of evil attitude, he accused her of committing Zina

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is a really serious, serious matters. Allah subhanaw taala says will Latina youth do menial muamalat innovative mock tests Abu Bakr the terminal guten Waitomo Bina

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what they're saying is nothing but a lie, and is a great sin, and they will be receiving a huge punishment ALLAH SubhanA which Allah says, Yo, Tasha Allah him Allah say to my dear him, or don't be Malcolm Yamalube yo, maybe your fee him Allah Who Dena whom and where Allah moon and Allah who would happen will be on that day in which Allah subhanaw taala will close their mouth, their skin, their legs, and their hands, and every part of them is going to be witnessing that which they did in this life. And they will be receiving a complete, you know, complete, you know, I mean result of the action, which is so evil, and they will receive the consequence of the Day of Judgment. What is

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their problem, they accused the Muslim woman. So it's not easy. That's why Dear brothers and sisters the best in this regard it is to observe the Hadith of the Prophet sallallahu alayhi wa sallam mankind, you mean Avila he will Yeoman after failure. Paul Hieron earliest. Whoever believes in Allah subhanho wa Taala and the hereafter let him speak and say good, or keeps quiet.

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And then the Prophet sallallahu alayhi salam said we're totally up and running away from the battlefield, you know, are you the enemies met each other Muslim? I mean that the two parties not the enemies was Mara Bella, and the Muslim and the enemy they met each other. And you are part of the Muslim army and you ran away. This is one of these sins that destroys a person because Allah says, or may you only him you may even do oral language heterophilic Italian hourmeter Hazel, a Lafayette in *a Allahu Allahu Jandal. So running away from the battlefield one of is one of these things mentioned by the Prophet salallahu Alaihe Salam that destroys a person

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and the last one the Prophet sallallahu alayhi wa sallam said was, I hope I did not skip anyone. And magic. Magic is so evil. And and you see the table that is taking place in this

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community of ours, you know, wherever you go, sometimes, if not,

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all the time around who is standing for these evil ones, they are the magicians because a lot of evils and Allah azza wa jal talked about them in the Quran, learning magic dealing with magic is referred to visit a magician, you know, just to see what he does without agreeing with him can cause you to lose your prayer for 14 days. You know, and if you testify and agree with that, which he says and you said it's okay, it's correct. The province that Allahu Allah Who said I said, you disbelieve in that which is given to the Prophet Muhammad sallallahu alayhi salam is Allah call it COVID

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Salah Salaam Alaikum.

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Yeah, so this rebar rebar is one of the things mentioned by the professor lies. And my dear brothers, sisters for your information, rebar has never been permissible in any religion or system before Islam, any Sharia that Allah is one to give the previous nation there was no Sharia in which Dubai is halal. What Allah has generated to us is that which was given to the Jews in the Christian and if you go to them, the old one before it gets corrupted, you will find exactly what I'm saying that Riba is prohibited. How do we know that? Because Allah subhanho wa Taala when he blamed the Jew, and he told us about the reason why he custard on them his curse, and he chased them away from

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his door, you know, he put on them this learner allotted started doing Eli yomo piano. One of these reasons is actually humor riba Allah says we're actually who riba Capital One.

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And they can seem Riba and they know that Allah subhanaw taala told them it is impermissible for them to deal with riba but unfortunately, they modify a bit, you know, that a lot, you know, they cancel the Riba to be acceptable for themselves, but it is okay to deal with others because actually some of them do not agree with us to be human beings. The only human being is eg according to some of them, the rest are just pigs and monkeys but alas monitor makers in the way we look like them so that they will feel comfortable in dealing with us. So you can understand why they agree to do with ribeye with us but they don't agree in order to do deal with three but with them

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and that's why the you can see also the impact of this they rarely invite somebody to their religion because they believe you're just wasting your time if you join them.

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Christians are a bit lenient Allah subhanaw taala says that he did not shed the Masada Witten, little Adina Amendola, who Yehuda will live in Ashinoko. Wallets he then acaba Hamada Lilith in Amarillo, Alladhina Kalu in nyanissara Mostly up to date about leaning people to the Muslims, they are the Christian,

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especially those Christians who knows what Christianity is all about. You have this I mean, leniency taking place but when you compare them with the machete kid, I had a shock. They're the harshest were the Jews. They're the harshest against Islam and and the truth so riba has not never been permissible in any religion. Allah subhanho wa Taala says

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Alladhina culinary bilayer Pomona hola como como la de Atacama to shaytan minimis Valley can be a normal cardhu enamel Beirut mithril Reba, those who are those people who are consuming the river, Allah says will be resurrected on the Day of Judgment in a way that looks like the situation of that person who is possessed by by the jinn.

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And this is because they said they say you know that riba called who they said Riba is equal to to transaction the normal and halal transaction. Allah says we're Halal Allahu wa haram arriba Allah smarter makes by which is the sale contract halal, and he made riba impermissible. That's why it is a consensus of the scholars in Islam that Riba is impermissible, they have differences in terms of what should be included, why should not we let the Hadith of the Prophet sallallahu alayhi wa sallam or to speak to give us the criteria to be followed in this regard? There is no time to shed light on all of these simple simple tiny details about riba but I will just be dealing with the principles

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inshallah the permissibility first and the danger of taking the rebar and then some of the features of rebar which can serve as a principle for everyone to be able to detect rebar in a transaction and stay away from it. Those who can't then they have to contact the scholars wherever they are, they decide to deal with with the transaction. So Allah subhanho wa Taala said it is not like that. Halal is for business and Riba is prohibited Allah smartasses business is halal and same contract is halal, but Riba is prohibited.

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Allah subhanaw taala says, from whom or either to Mirabai Fanta ha fella who myself wherever receive admonishing Naseeha advice, you know Merida from somebody, somebody advise him and tell him that this is impermissible. Islamically Fanta and he agrees to stop. You stay away from the river, further who myself whatever happened, the past is the past October to teach you not Kubla when you repent to Allah subhanaw taala the past will be closed between you and Allah subhana wa taala. The only thing is that if that sin that you used to commit is attached to the right of others, then you have to take the right back to them.

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Fellow who must Allah for what Amira who in Allah? Allah Subhana Allah says in Allah because he's still alive. We don't know why. He's what is he going to do? We cannot say yeah, he's going to paradise right after you repent from Riba.

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You will be going automatically to Paradise. Allah subhanaw taala says it depends on your choice. What are what are you going to choose to live with Islam or you're going to choose Cofer, you're going to choose Halal which is haram. You're going to choose righteousness which is Fiske. You're going to choose righteousness or which is evil, evil doing good manners or bad man is, you know, Allah says it depends. You know, the final destination will be determined by your choice. What are you going to do? Allah says, Well, I'm gonna do it Allah we live his affairs to Allah subhanho wa Taala he knows what this person is going to conclude his life with.

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But then Allah subhanaw taala says, Woman ad for hola Erica Oz, habanero. Comfy have Carlito whoever gets back to eating Reba consuming Reba, these ones are going to be taken to hell and they will never go out of it. Allah says from the iconic Hollywood and Hollywood means they will remain inside it will remain as color said these are the muscles of worried why aid is a threat from Allah subhanaw taala with a punishment is like what is a promise from Allah Sparta which contain the threat that Allah subhanaw taala and the promise of punishment for somebody who engaged in certain activities. We're not supposed to touch them, we live them in the way they are. But the scholar said

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if you look at the if the context is all about permissible, making things permissible which one is halal and haram? So whoever makes it halal will go to hell forever. Wherever did not make it halal. He is committing one of these major sins only Allah smart Allah knows how much is going to be punished.

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And then Allah subhanaw taala talk about riba throughout the page and from the beginning until then, I will just take the last ayah and then I will come back later inshallah to talk about the I in the middle when Allah subhanaw taala says, yam, Allah Who riba where you will be surprised. Allahu alayhi Bukola cofilin a fee.

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But before I talk about this, the evil consequence and effect of riba you know in the wealth of the one who is dealing with riba let me just conclude this quotations from the Quran I mean quoting

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Gnosis from the Quran with this statement of Allah subhanaw taala. When he says,

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For a limited value factor, then we'll be having min Allah He was really he says, either you stay away from riba or else you should be ready with a war between you and Allah subhanahu wa

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the Sunnah of the Prophet sallallahu alayhi wa sallam I talk about riba Subhan Allah in a very unique way, is an explanation for the book of Allah subhanho wa taala. So it gives us more detail than what you have in the book of Allah subhanaw taala which is more than enough for a person to stay away from riba if he has a simple, you know, little amount of Eman in his heart. And that excellent Hadith of the Prophet salallahu Alaihe Salam I found in Sahih Bukhari when the Prophet said Allahu Allah who said, I saw a dream. And in this dream, the prophets of Allah Khalifa saw so many things in the dream. You know, in that dream, he saw so many things. And he said to people woke

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me up, I will not talk about the dream in the desert, but I will just pick up the part I needed from it because it's quite long. It needed a special lecture by itself. The Prophet salallahu Alaihe Salam, I said, I was leaving. And then to two people came to man, they came and they woke me up. I told them what happened, they said, Let's go, this is all in the dream, okay? They told him, let's go. So I left with them. And then we reach a place we found a person, you know, this person was lying on the ground. He was lying down, you know, put his head on the ramp, his body on the ground. And and next time there is another person. And this person is holding a huge rock, you know, very

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big rock.

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And then the promise Allah Azza said, I saw that moment I was waiting to see what is he going to do? And then he takes this rock, you know, and he's much that says, His smash the, the head of this person who was lying down, you know, he bashed it and he he destroyed completely with that rock.

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It was a very terrible moment, the Prophet sallallahu alayhi sama witness in his life.

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So this way, his own eyes

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and he saw how much that person is suffering. The prophets, Allah, Allah is so much more than what is this? It will be no question. Let's move just don't ask. So he left. When he left, he found a person. You know, they were they were cat in his mouth, you know,

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the cat in his mouth, with the saw, you know?

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And the prophets, Allah sama see the way this person is suffering. They carried it like this, like that, you know, subhanAllah

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they really put him into trouble. And he can't do anything. You know, that person was just sitting down and somebody was cutting him in that way. The professor lives and asked about him, they told him just go

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and then he met a person. You know who's inside leave

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And this river is river fire river is like blood, you know, extremely red. And if you can, you can, you can see that this is fire. And next to the other side of this river, there is another person. And in front of this person who is standing at the side of the river, there are small pebbles, which are taken from Hell's stones from hell, that person who is inside the river is swimming, and then he will swim swim Simpson and he comes closer to this person who is next to the show, you know, then that person when they're the one who is swimming, the swimmer approached him, he will take the stone and throw it, when he asked us to that person will open his mouth and the stone will go inside. And

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once the stone get inside his mouth, the professor lives and I said you can see the man will go down and suffering suffering, suffering suffering, but he cannot do anything. And he asked him what is this, I mean, show me things, but what are these, you know, and they told him just go the last one I will mention the stories kept on going but the last I will I will code about this punishment that he saw is a is a group of people inside the to know is a kind of a part, the top part of it is very small, you know, and that the bottom is of fat. And the people that people male and female inside and they make it you know, and and that is a flame of fire which is coming from somewhere. Whenever

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it reached them, you know the oil in their body. You can see the oil is coming out burning them cooking them. They will say the Prophet salallahu Alaihe Salam I said, Bo, that's mean they scream, they shout, you can hear this, shouting, screaming but it doesn't work, you know, suffering so much. The Prophet sallallahu alayhi salam asked about them, they told him, let's go.

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So at the end of this hadith, they told him as we wish you all the best they go, he said, No, you can just go like that. You have shown me so many things and you refuse to explain to me and now you're just dealing like this. And then the prophets Allah has said No, you shouldn't go you have to explain to me why did I see you know? What was that? They told him this is the punishment in the greed Subhanallah Yeah, brothers sisters, Allah He let us get ready for this. This is the punishment of the great integrate every one of these people this is their punishment until the time I lost my job bring them back to him.

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Don't you ever think that that hole that will put your person is an easy place? You know, the only person who will be saved is a person who brought righteousness to that creek. If you're good, you're excellent attitude and good manners can protect you by the will of Allah subhana mortality.

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So what is the what is wrong with the first bit first person that was receiving that they stole on his head? They said this person is the person that Allah is one which are granted Quran, you know, but unfortunately, he did not put it into practice and action. Half is the Kitab Allah but unfortunately he's neglecting the prayers. He doesn't pray on time. You know, he does not pray on time. This is the punishment of this person who is not praying on time.

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Allah is smarter granted him Quran but he neglected neglection of the Quran that can amount into a punishment is the one that I mean, that a person is not applying it, you know, is not just not reading it, no, but not applying it in in his daily life. You know, it's not that he stays away from reciting. That is easy, that is insult in itself also is evil but it is not equal to not put in the Quran to practice and action.

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Especially by somebody who memorized the Quran. You find half is of Quran but neglecting the prayers, skipping the breeze, not praying on time, that is so bad and this is his punishment until the day of judgment.

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The one who has kept his mouth is gone. The Prophet salallahu alayhi salam I said this is a liar somebody who lied which his lie reach everywhere.

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Nowadays we have you know, people are sending your message to the West have you know, this is absolutely lie and reach everywhere on Earth. And nowadays, people engaged in creation of so many images on the YouTube Hugo this person converted into pig this person converted the thing that is okay to scare the Muslims so that they can bring them back to their consciousness. But this is a lie. This is a lie against Allah subhanaw taala because if Allah did not do that, and we just go and do the Photoshop, you call it we did a Photoshop we create something by ourselves and we said Allah smarter converges somebody because she did not respect her parent. Yes, it is a sinful act for a

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person to stay away from respecting the parents, but we didn't create it I mean scenarios and situations and attributes and attribute them to Allah subhanaw taala

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it carries us evil and heavy, heavy consequence. So if you remember Steve says,

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cooler than being that John

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Hola Hola Kufa, Latin America. Anything that Allah subhanaw taala put kappa Farah on it. That means it is simple, simple for a person to commit, but it means the affair of this the issue of this sin in comparison to others is normal is much better, because you can pay it here. You can settle the case between you and Allah subhanaw taala here by doing the kuffaar which Allah's mortal asked you to do. But since their last Mattila keeps quiet is one of very dangerous did not give you a way out, you know is a very dangerous, he says line is one of the lion is one of them. So don't lie by the appearances you don't need to lie in your life. There are only some mean rare critical moments that

00:30:43--> 00:31:03

a person will find himself in. In this case, you can lie to save your life or to save the life of your family or your brother or your friends. Allah's Mercy granted good as for the person who is in the room and in the river. This is a person who is taking river so Hanalei, you can see the punishment of this person in the grave is like this until the Day of Judgment.

00:31:05--> 00:31:35

As for those people who are naked, I think, by the description of the Prophet sallallahu alayhi wasallam. I mean, we understand that these people they are, they are zoonotic, you know, those people are committing adultery, and fornication is in the way they enjoy it. Because when a person relieved this desire, in a wrong way, every single part of him is enjoying that few seconds of enjoyment, it takes three seconds. In most instances, it doesn't even take one minute, you know, it takes few seconds, and that's it a finish.

00:31:37--> 00:31:49

But every single part of the body is enjoyed. And you can see also design without in the day of judgment or in the grade before then you know, the punishment is going to be placed on every single part of the body.

00:31:51--> 00:32:30

So this is one of the evidences that shows the Riba is prohibited and it carries a heavy consequence in the hereafter. The Prophet salallahu Alaihe Salam acid one dyrham That somebody takes up riba did hamari been Yeah, could Harajuku or who ilevel I should, during the lineman sitting with a Latina Zinnia you know, one Dirham of rebar that you take knowing that this is from Reba, you know that this is rebar and you still take it, you know, whatever justification you have, because unfortunately, nowadays, we have shallow justifications, you know, nowadays is very necessary to have a car and it's not easy to have to live in renting houses. I don't know how many people die in

00:32:30--> 00:32:40

this life just because they're renting houses. How many people die in this life? Just because they're renting cars, and they're using the public transportation how many people die because of this? I never come across a single one.

00:32:42--> 00:32:53

How did how did we manage to conclude that this is necessity, which legalized the river, which legalized the river, in which some people are telling those people who are living in

00:32:54--> 00:33:32

the western community you know, they can take riba because they are in a state of necessity, you have to get house in that place. First of all, who told them this because Allah subhanaw taala says, Whenever you know that, you cannot practice the religion, you know, properly living in a place migration from that place to another place where you can practice your religion properly is watching. You can stay in a place committing sins and you call it necessity, and at the same time, you can afford to go into another place. So the first question is, when does having a house your own house become a necessity? Because necessity if we had to give it a correct definition, which is

00:33:32--> 00:34:15

given to it by the scholars is a situation which we call a life threatening situation, whereby we talking about life or death, either you live or you die, either you get this and live or you die, then haram will be halal for you to remove that necessity. If two conditions are fulfilled, condition number one, you shouldn't have. There shouldn't be an alternative. When it comes to buying house or car, do we have alternative? A lot? Most of the people Allahu Allah Nene, I'm just talking about my experience. Most of the people are renting property from others, you know, the properties they're living in is not this. Life is going okay. Yeah, you're spending more but what's wrong with

00:34:15--> 00:34:55

that? As long as you're pleasing Allah subhanho wa Taala you're spending a lot but what's wrong with that? As long as Allah subhanaw taala is happy with you who gets a risk will be Adela has. Allah is the one who's providing the risk. But unfortunately, we have this kind of life of a shadow. The shadow means almost being pessimistic that he would like that. I mean, the pessimism in order to show them to show them how I mean expecting evil to happen in your life. Spatula. This is how we do in our marriages. We intensify and we increase this the MaHA and the Dory. Why? Because we are afraid maybe in the future, the husband will divorce her and then she need money to survive. Yeah.

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

Why do you need to expect evil to happen in the marriage before it even happened? Why

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

Why can you expect good, and who is the one who is granting you risk, and Subhanallah all of that huge amount of money that you take in, you forgot that this is the honor and dignity of your daughter, you are submitting it to somebody else.

00:35:14--> 00:35:47

Subhanallah and you are making it so expensive in the way that person will be thinking that he's buying your data, no respect at home, and the tolerance is going to be very low. And all of these things are the experts of what trying to protect her future do near future. What is he going to do with the wealth? The most important thing she needs in life is to believe that she's living next to somebody who respects her who believes that she's not asleep. But we have this kind of life, you know, the shadow, being afraid of the future and all of these things which push us sometimes to go on.

00:35:48--> 00:35:51

Look for the risk through the Haram haram means

00:35:52--> 00:36:35

Allah He is always better for you to fix your relationship with Allah smarter and live a very normal life, you know, with the Kufa the Prophet sallallahu alayhi celibacy is when he says Aslam Krafla Hammond Aslam wa Ruzicka Catherine waka Nair hula hula Minmatar will be monitor Allah subhanho wa Taala the Prophet sallallahu alayhi wa sallam I said after him and Aslam the one who convert to Islam who accept Islam succeed. You know especially after this Islam when Allah azza wa jal gruntin Kapha is not that much of risk, but it is enough for him to address his lead with it. Can now hula hula be mad? I will be monitored Allah subhanaw taala granting contentment with that which he he

00:36:35--> 00:36:35

gave him.

00:36:38--> 00:37:18

So, stay away from Libra stay away from Libra there is no way for a person to live a comfortable life taking the river. So we have heard about the consequence from the Hadith of the Prophet sallallahu alayhi wa sallam and the prophets Allah Elisa said their home ribbon yet could Horadric way Allah ma should do and Allah him in 63 one fella Xena Zinnia This is far greater than the sins of 36 zina somebody is committing Zina 36 times you know, this is this is easier than taking one Dirham of river according to this hadith of the Prophet sallallahu sallam. So these are not my words. These are the words of Rasulullah sallallahu alayhi wa sallam,

00:37:19--> 00:37:38

and the Prophet salallahu Alaihe Salam and said, Learn Allahu Akbar riba or Malkina who Academy who wash it, the one who takes you by his curse about Allah. And what does curse mean? What is the curse mean? It means to be taken from the Mercy of Allah subhanho wa Taala what third dunya Rahmatullah has to be taken when a person

00:37:40--> 00:37:45

is cursed by Allah, it means he is going to be taken away from the Mercy of Allah subhanho wa taala.

00:37:46--> 00:37:58

How's it going to be easy for him to make it to paradise? It will be very difficult for him, you'll find a lot of obstacles, but Allah subhanaw taala detaching from his from his mercy. He can survive.

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

swatted away Rahmatullah curse means a pardon the Rahmatullah. So if a person takes his curse back, if a person gives the river is cursed by law, if the person witnessed the river is cursed by Allah, it will person write down the transaction which contains Riba is curse biomass parameter.

00:38:18--> 00:38:56

So who is that person who is exempted from this hadith if a person works in the conventional bank, where they deal with riba or a company which is dealing with Iran, organization that is dealing with river financial institution that is dealing with river who is that person that can escape this hadith? Nobody, nobody except the one who facilitates the means for them by cleaning the place, you know, making the place comfortable for them, building the place for them, selling them, the computers and all of these things for them to to facilitate their services. You know, these people are included, you know, they don't, they might not get included in the curse. But there is another

00:38:56--> 00:39:12

Idaho which will be chasing them, you know, the saying of Allah subhanho wa Taala will add to our Allah if not only one, don't you ever cooperate and support somebody knowing that that person is doing something that is not halal Islamically

00:39:13--> 00:39:33

so if I go and clean the place for him, I'm supporting him in doing that. And this is a very, I mean, it's a big principle that the Muslims should always remember. You can cooperate you cannot cooperate with somebody who's going against Allah subhanho wa Taala and the last Hadith we have another Hadith but the last Hadith the Prophet sallallahu alayhi salam Asad

00:39:36--> 00:39:57

riba has so many levels, you know, and the lowest one in terms of sin it has around 63 or 62 or 72 or 70 Filley one of them the Prophet sallallahu alayhi salam, I said the lowest one in terms of sin is like somebody who disobey Allah subhanaw taala by committing Zina with his own mother,

00:39:58--> 00:39:59

somebody who's committed Zina, with his

00:40:00--> 00:40:18

Armada warriors villa. So this is Riba. I mean the prohibition of riba and then the sous from the Sharia that shows us that river is very evil. And some of the nurses talk about the consequence of the Riba in the grave and also in in the Hereafter, what is the river?

00:40:19--> 00:41:00

If you look for a definition single definition to divine Riba, this will not be possible. This will not be possible you go through all the definition given by the scholars, you will see a lot of deficiencies because they find one single different definition that address Riba in all of these forms is not easy. So rebar originally means increase, or what type of increase, we have different types of increase because if I buy a cow, for instance, and I sell it to somebody looking for a profit, that's, I'm sorry, that's a profit. That's not really but that's a profit. And that's business and that is okay. What am I looking for when I bought the cow? What am I looking for what

00:41:00--> 00:41:33

I'm selling the cow to, to that person? I'm looking for an increase. So if you see a ribeye is an increase, then we cannot buy and sell in our life. So that means Riba is an increase but what type of increase a specific type of increase? That's it this is how we should address the definition of riba specific type of increase. How do we know what type of increase are we talking about? We have to go to the Sunnah of the Prophet salallahu alayhi salam to tell us which exactly is the type of increase that is considered rebar Islamically

00:41:35--> 00:41:43

there are two types of rebar and before then the type of types of rebar and there are two positions where rebar can exist.

00:41:44--> 00:42:35

Rebar can only exist in transactions or in loan contract transactions I mean sale contract but your or loan contract code. This is where you find regard the two positions or situations or places where you can find Riba in existence. Number one is the court and the second one is the sale contract for these alone, okay, and this the Rebbe the last module address in Surah Al Baqarah, and also in the Sunnah of the Prophet salallahu Alaihe. Salam, and also in SUTA Al Imran last much address this type of Riba is it is rejected by consensus of all the scholars rebar in loan. And this is the rebar that the banking system is all about. The banking system is all about this rebar, rebar alone, because

00:42:35--> 00:42:44

banks are institutions which are designed, you know, to borrow money and lend money to others with interest,

00:42:45--> 00:43:23

and Subhanallah in all of their practices, you can see that application of this boring money with interest, and then go with other things, you know, although in the Islamic banking system, we call it transaction but when you studied properly, you'll see that the nature of convention system is still there. We just changed the name. But the practices is the same in almost everything we do in the Islamic banks. And as such a Muslim shouldn't trust the statement of others. You should look at the content. In Islam we have this legal maxim that says I'll ever have to feel accorded Bill Maqasid virmani level alpha the realm of irony.

00:43:24--> 00:43:42

The recognition in Islam is always based on the meaning and the content, not based on phrases in the statement. I can call it whatever I want. But alas Mata will look at the content what exactly am I doing? This is where

00:43:43--> 00:43:55

the hukou will be located, you get it this is where it will be located. If I go to you and I give you something, I call it gift, but at the same time I told you to pay for that

00:43:56--> 00:44:40

it is not a gift anymore, but I call it a gift last month I will not look at it as a gift. This is a business transaction. Good idea. How do we know that because of the content, I said you have to pay something for you to take it and this is what happened in business. So the name is useless I can call it whatever I want. But the focus in Islam is on the practice, what exactly am I doing? So this is my advice. Don't ever trust the word of somebody you know in this life, ask him to explain what he means especially when dealing with finance, especially when dealing with finance because we might be talking about something but others are understanding something else. Because they almost have

00:44:41--> 00:44:59

nowadays definition for almost everything new definition for almost everything. Contrary to that which is mentioned by the FDA, they have their own definition. So when somebody asks you about it and you say is okay, you know, but in the eyes of Allah smart Allah is not okay. Why is it not okay? Because he's asking about what he knows

00:45:00--> 00:45:11

And you're answering about what, you know, the your definition is okay. And your understanding is okay, because this is what allows what law says. But unfortunately, the question, the one who's asking you this, he doesn't mean that,

00:45:12--> 00:45:23

you know, subhanAllah I, I saw, you know, the pure pure, as they call it, the word the system will use in the, in the shops, you know, when you buy something, instead of paying cash to just give you a card, they just

00:45:25--> 00:45:32

take their money, straightforward to their account, and they get it from from your car, you know, directly, you don't need to go and carry cash all the time.

00:45:33--> 00:45:45

In some countries, they don't use it in this in this way. Are they use it and they have other way to use it. Also, what do they do, if you don't want to go to the bank, you know, facing a long queue, you just go to them,

00:45:46--> 00:45:57

you know, just go to the to the shop, they have this system, you know, give them your card, they will withdraw the amount of the money to their account, and then they will give you less than what they withdraw.

00:45:58--> 00:46:05

To get idea they withdraw any from your account 10 ringgit, for instance. And they will give you an IRA and it

00:46:07--> 00:46:25

is it halal, it looks like what we do with the ATM. But this is totally different because the ATM system, they have the legal authority to get into your account and get the money. That's why if you had to check your account immediately, you don't see anything they took it, they're taken from your account.

00:46:26--> 00:46:44

But this one is different, because they are giving you the money, you know, their money, cash, you know, he has the money. So this is like exchange and he takes from your account is like you're given him ring it and he's giving you another ring it that's what makes a difference. And I go to him and then I gave him my card he withdraw.

00:46:46--> 00:47:15

20,000 But he gives me 15,000 cash. That's like when I gave him 20,000 And I take from him 15,000 which the Prophet sal Allahu Allah who said, I'm gonna make it prohibited in the way we will see. So I'm just bringing this example, to tell you that don't show ever legalize things until you ask the one who is questioning you. What does that mean? What does he mean first, because you might be addressing something different from what he is understanding.

00:47:17--> 00:47:55

He knows that the application is different from what you know. So he just wants you words to say yes. And when you say yes, they will go and apply it in their own way. And that's why the Sharia legal advisors, they should be very well lie, they should be very careful. Don't just give you a word, you have to study first and monitor and see what exactly the bank or the institution is doing. Once they go against what you told them, then you have to withdraw. Because the community does doesn't trust them. The community trust you get whatever you say the community will take it seriously. And they will agree with it. And this is what the solution is looking for because they

00:47:55--> 00:47:59

know your word is valuable, you know in the eyes of the community.

00:48:01--> 00:48:40

So what is what is Riba? Let's go through the Hadith of the Prophet salallahu alayhi salam and get the definition of Riba. As I said, riba has two positions. The first one is the loan contract which all the banks banking system are based based on it and it is prohibited in Islam and how does riba exist? You know, what is the definition of Riba in this loan? Issue a loan contract? This is very simple. When I lent you money, and I asked you to pay more than what I gave you. This is Riba. It gave me 10,000 And I asked you to pay 10,001 That's the Rebbe.

00:48:42--> 00:48:45

10,001 cent, that's the Rebbe.

00:48:46--> 00:48:47

I can do that.

00:48:48--> 00:48:59

Not only that, the scholar said cool look or the German version for whatever any benefits you get because of the loan you gave somebody. This benefit is also rebar.

00:49:01--> 00:49:11

That's why the transaction which is called by will offer some people are doing I go to a doorman, for instance. And I bought his car

00:49:12--> 00:49:22

and I pay him the money. And I told him Abdurrahman, I'm buying your car $20,000 And I gave him the dollars. But then I had a condition

00:49:23--> 00:49:30

between me and him that I will I will I will take the car and I will use this car.

00:49:31--> 00:49:37

And until the time he is able to return back the $20,000 to me then I will pass the car back to him.

00:49:39--> 00:49:43

To get the issue. I bought the car from him and I gave him the 20,000 range.

00:49:45--> 00:49:56

I took the car, I will utilize the car. After like one year, Abdurrahman will return back the 20,000 to me, and then I returned back the car to him.

00:49:57--> 00:49:59

But this guy is mine. I use it you know

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

utilize it, you know, then afterwards I gave him back the car. It looks like a transaction. But the reality this is a loan contract.

00:50:11--> 00:50:34

And in reality, this is run loan contract that contain run. Actually what happened is Abdurrahman just borrowed money from me. And I did not trust him. That's why I asked him to give him my car to give me his car. You know, so he gave me his car as a security in case you will not be able to pay me the 10 $20,000 in the future. And I have his car with me.

00:50:36--> 00:51:14

This car, according to the Sharia, I am not supposed to use it. I'm not supposed to use it. I'm supposed to keep it. Even if Abdurrahman is supposed to give me permission to use it free of charge, this is haram for me to use it because I am getting this permission due to what because of the loan I have given him. If I did not give him this money, he will not give me permission to use his car. But now he gave me the car because of the loan. So this is the benefit I'm getting from the loan I have given somebody or we call it the same contract they will offer us and people are doing it

00:51:15--> 00:51:18

and this is absolutely wrong.

00:51:19--> 00:51:58

To get ideas. So any loan that you have given somebody you are not supposed to add a single cent on top of it. And the same goes to the transaction that we have in the bank called murabaha. How does this murabaha exist and you have mashallah come with a notice that you have so many names which are Islamic names, but when you go to the practices, unfortunately you see something else and Moranbah contract I went to buy a car I go to souhaite and then Suheil is the owner of the car I do the Bergin in in you know as we finalize the price, you know from 1 million ringgit we end up buying the cat 500,000 And so I agreed to sell me the car

00:51:59--> 00:52:30

and then I go to the ramen so we have ramen make him the bank I go to drama love drama is the bank when I go to up the ramen after finalizing the deal with Suheil What am I looking from a drummer and obviously even the child knows that I am going to have drummer looking for what money you can support. You know, I will tell Abderrahmane that I have this car have the D with Suheil and Soheila agrees to sell me this car 500,000 And the bank will say we will buy the car for you

00:52:31--> 00:52:38

you know or buy the car on your behalf and then we will sell it to you 600,000 You pay by installments.

00:52:39--> 00:53:25

So this is exactly loan contract because when the bank pays Soheil they're paying on my behalf because the deal was between who and who? Me and so why not between the bank and the Soheil It was between meals right? So I sold me the car so when the bank is making the payment they're paying on my behalf. So they're lending me 500,000 But at the same time, the bank will ask me to pay 600,000 on monthly installment yesterday but some people think that the Riba exists in this contract when a person has a default in payment in the payment of the installment then riba exists if the bank asked him to pay more, no, riba exists from the root of the transaction from the beginning, you're not

00:53:25--> 00:53:27

supposed to buy a car in this way.

00:53:29--> 00:54:15

As simple as this, that's why some scholar said if you want to understand this properly, the moment I go to the third party, the owner of the car, and then I go to the bank, this is a loan contract, this is a loan contract. And subhanAllah these people are so smart, I heard that there are some banks, what they do is they tell you because they know people are very concerned about this, you know, they tell you you know, the bank will sell you the car exactly in the way you you propose 500,000 and the bank will pay on your behalf 500,000 and asked you to pay 500,000 The bank will ask you to pay 500 500,000 So people will be happy mashallah, this one doesn't take anywhere, you know,

00:54:15--> 00:54:23

it tried to avoid it. But what did they do? They took the commission that 100,000 They took it from the owner of the car, it will take you from so high.

00:54:25--> 00:54:34

The bank will sign an agreement, okay, you you already know that we're going to take charge you more money. So you should charge more, you know, the customer should charge more because the bank is going to charge you also more.

00:54:36--> 00:54:51

Hello, we're trying to bypass this way and to come back from another door. Because it is still the same. The bank is lending money to somebody and getting profit from that loan from other. It doesn't matter from wherever he's getting this profit is arriba contract.

00:54:53--> 00:54:59

And that's what will be what we are doing up to date this transaction so called transaction the sale of Aina

00:55:00--> 00:55:19

How does it work? It is also a riba we transaction that we will do. How does it work? I want money, but I don't have this money. I go to Soheil if I tell him Suheil please lend me 100 ringgit, so I will never agree unless if I'm going to pay him 200,000 or 200 You know,

00:55:20--> 00:55:26

extra. And this is rebar, everyone will tell us this is rebar. So what do we do?

00:55:27--> 00:55:46

I propose to buy a couple from Suheil for instance. I propose that how much is the cap? So high to me, I will sell you this 100 ringgit and actually this is what I want. What am I doing? What am I going to pay? Of course later because I don't have the money now.

00:55:47--> 00:55:54

Okay, so I'm going to pay the 100 ringgit after one year. So Heil already knows that item. I don't need that. I don't need the cup.

00:55:55--> 00:56:06

He knows that. I don't need the cup. What did he do? He will tell me what if I buy this cup from you? But nine tearing it I pay you cash.

00:56:07--> 00:56:16

And then since I'm in desperate need of money, I will tell him no problem. I'll give you back the cup. And then he gives me 9090 Renu

00:56:17--> 00:56:27

it Luca him says whoever is within his consciousness that is monitoring them and watching what they do and he knows that these guys they are not intending a sale contract.

00:56:28--> 00:57:08

This is nothing but a loan contract. But if they do it in the normal way everyone will tell them this is rebar. That's why they put the cap in the middle to disguise themselves you know so that the true image of them will not be portrayed. People will not understand them if you see it you will say this is a sale contract but in reality, the intention is a loan contract so high is lending me 90 ringgit and asking me to pay in the future. 100 ringgit, the prophets Allah some of God that long ago, not even in our time the Prophet salallahu Alaihe Salam of God. He says is it better biotin below him?

00:57:09--> 00:57:22

What are the two bizarre I will have to double backup water optimal geographies MBT la Salop Allah Wa alaykum zoo Len lion zero who uncompetitive tanjirou illogical out Roger de la

00:57:23--> 00:57:51

it says whenever you deal with Alina Subhan Allah 1400 years ago more than that the prophets Allah sama talk about this, this evil attitude. He said when people engage in the transaction and c'est la vie now. What are they doing bizarrely, and you agree to be busy with dunya you know, you engage in Haram businesses, not just the inner but haram businesses, what a b2b is right? And you agreed to stay away from your religion and to be busy with your farms.

00:57:52--> 00:58:06

While have to have Nevel backup, and you agree to keep following the tales of your cows. That means in your farms in your taking care of your sheeps, you know, and you do nothing except Dooney been busy with the dunya

00:58:07--> 00:58:38

the Prophet sallallahu alayhi wa sallam I said, What are axioma Jihad ifisa villa and you stay away from jihad. visability Allah Salla Allahu Wa alaykum voelen Lenzi erhu uncompetitive during Medina, Allah subhanho wa Taala will cast on you, Ville what is emulation? This respect, Allah SmartApp will put us in the low level been destroyed to be disrespected by others, and he will not remove the status until the time we go back to Allah subhanaw taala will fix that which ritual.

00:58:40--> 00:59:20

And that's why the vast majority of the scholars agree that INA is prohibited, strictly prohibited in Islam, because something will not carry this heavy punishment and at the same time, it is Khaled Hina in this way is strictly prohibited. There is another transaction which you have half of the scholars or many scholars which are saying it's halal, and many other scholars are saying is haram, which we call tomorrow, I'm talking about the Torok that used to be applicable in the past, not the total work that the bank is doing nowadays. The work of the bank, if you look at it and read about it, you know that this is nothing but the you know, contract, contract, which people are just doing

00:59:20--> 00:59:33

on the papers. I go to the bank, I tell them I want a car, they will buy the car on my behalf. They will represent me as my agent, they will sell the car and they will give me the money and then I pay them the money afterwards. What kind of game are we playing with others?

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

When did you go and buy the car and then go and sell the car on my behalf and then come and give me the money and then I pay them afterwards? When does that happen? It's all on papers. They give lent you money and they ask you to pay more. We're not talking about this Tobruk Illuminati them that is said organize the work that is practiced by the banks nowadays. The so called Islamic

00:59:57--> 01:00:00

banks nowadays, we talking about the Oh

01:00:00--> 01:00:22

Original Tarot what is the total Tarot the one that is known to the folk AHA is the opposite of their inner contract. In the inner contract if you remember I bought something from Suheil on credit and I and he repurchase it any from me cash you know I bought the cup you remember attending it and I sold him back to him nine ring

01:00:23--> 01:00:28

that's enough but in total rock I bought the cap from Suheil tendering it

01:00:29--> 01:00:33

but I did not sell it back to Soheil I sold it to Abdrabbuh

01:00:34--> 01:00:36

immediately nine ring it

01:00:38--> 01:00:50

I lost I bought it from him tendering it and I sold it naming it even Tamia says the purpose is the same. Ibrahim is looking for money or else he will never sell it nine ringgit

01:00:51--> 01:01:32

he will sell it 11 ringgit and get profit in it. This is what business is all about. People will not buy something and go and fail a loss. He said he said since the objective is one, then Thoreau can enter they're all equal. Subhan Allah has to not even time says we have been trying to ask him to review this fatwa. Until the time Allah Sparta took him out of this life given to me I refuse to change his mind. He said this is what appears to him that Torah is the same as Aina there is no difference between them. Although there are some scholars who said it is okay as long as you're selling it to somebody else but I'm telling you my dear brothers, sisters, the Shiva is very strong.

01:01:33--> 01:01:55

And you know the Prophet salallahu alayhi salam I said in the hadith of a Normanville machine, it says Albanian while haram waiting over in a hermit mode and wish that we had one family taka Shabbat is taurolidine He where the IS is halal is clear and Haram is clear. That means you follow the halal and stay away from the Haram and between the Haram and halal there are matters which are doubtful.

01:01:56--> 01:02:34

Not everyone knows the correct ruling concerning those modules, that the Prophet sallallahu alayhi wa sallam said, if you want to protect your religion, and your honor and dignity, stay away from doubtful matters, this is my advice to my brothers and sisters because so many Christian, you know have been cast on us about transactions and things we chant out for the Prophet salallahu Alaihe Salam or already gave us a way out. He said stay away from doubtful matters if you want to succeed. And you want this example to be followed in this regard, which we we heard from our scholars that the father of Imam Al Bukhari told his son before he died, he said, I'm going to leave for you, you

01:02:34--> 01:02:36

know, I'm going to leave for you

01:02:37--> 01:02:38

there.

01:02:39--> 01:02:46

One meaning Durham, he said I do not know one single Durham that carries Shabbat in it Subhan Allah

01:02:47--> 01:02:56

is the person who contacted scholars in almost everything he does to make sure that he doesn't disobey Allah subhanaw taala in his business, that how a Muslim is supposed to be

01:02:57--> 01:03:01

for instance, is there a lot to be mentioned concerning this riba of the book

01:03:03--> 01:03:11

and as such, what I will tell you is the fact that the reason why we go to the banks it is because we cannot save our money at all.

01:03:12--> 01:03:54

Any bank that deal with riba regardless of its nature, the reason why we go to the bank and we deal with them it is because we cannot save our money. It's very dangerous to carry huge amounts of money with you. It's not easy. So based on this necessity and present leads because one of the objectives of objectives of the Sharia is to preserve the wealth. That's caller said we can go and save our money there. We must know that the ROTC cadet Kataria, when you go with the necessity, you take what you need to remove that necessity. That's it. Any dealing with the bank, I will advise you to stay away from it. Just take what you need. And the rest just be with

01:03:55--> 01:04:07

the rest just leave it may Allah subhanaw taala guide guide us to to the truth. The second type of rebar, rebar in your rebar in view is the rebar that exists in the transactions.

01:04:09--> 01:04:12

I will put it in a very simple way in sha Allah as I'm running out of time.

01:04:14--> 01:04:29

The Prophet salallahu Alaihe Salam gave us a very simple criteria and principle to address address this matters. He categorized things into two two categories classify the items into two categories

01:04:31--> 01:04:34

riba with items, food and

01:04:35--> 01:04:36

money.

01:04:37--> 01:04:39

In the money we have gold and silver.

01:04:40--> 01:04:43

In the food, we have barley,

01:04:44--> 01:04:51

we have wheat, we have dates, and we have salt. For things mentioned by the prophets, Allah is Allah

01:04:52--> 01:04:59

to lead this category. And in the money category, we have two things golden silver and the roots

01:05:00--> 01:05:09

have wealth. And Allah subhanaw taala can you make the natural disposition of people to accept them as the mean medium of exchange?

01:05:11--> 01:05:31

Do we do pay us to include other things? The vast majority of the scholars said yes, the Prophet salallahu Alaihe Salam is just giving us principle, anything that carries the same nature of gold and silver, then rebar is included. I mean rebar. I mean, it's I mean, it is also supposed to be considered as rebar with it,

01:05:33--> 01:05:38

whatsoever carries the same effect of gold and silver, what is the elder what is the Enlightened golden silver?

01:05:39--> 01:05:49

For Allah, Allah and you have different, you know, in terms of opinions among the scholars, but the closest one I believe in is the one that says the ALA is for money.

01:05:51--> 01:06:08

So money means then being money, use as medium medium of exchange money. And also we use them to pay a missing property, their money first and we use them to pay a missing property.

01:06:10--> 01:06:27

What is money call line in mobile has never been a Hydra. Every object that is halal that has Halal benefit. And Allah subhanaw taala legalized it not because of our need to it or necessity, that's money.

01:06:28--> 01:07:09

So these golden silver, these golden silver, the reason why everybody exists in them because there are many, and we use them to compensate somebody when we lost his property. When I lost your car, I use gold and silver, I don't use rice and then use this I use golden silver. So anything that stands I've been in a position like them anything that is equivalent to them in this nature, riba also exists in it that's why the currency any recognized currency in a country take the same effect riba also exists in it you get ideas we have dollars we have bring it we have real we have rupees we have whatever you want to say you know,

01:07:10--> 01:07:30

as long as it is recognized currency by the country you know riba also exist in it Okay, back to the food in the food we have four items mentioned by the Prophet sallallahu Sallam what is there a lot of rebar in them there are a lot of rebar in them is Alexia will it die

01:07:32--> 01:07:44

just because they are food okay. And also they could be kept for a very long period of time whatsoever is carrying the same nature as them then rebar also exists in it

01:07:46--> 01:08:16

their food and they could be kept for long periods of time food means my actor to witness what is used by the people to support their life when you're hungry, what do you go for you know the essence you know in which people are basing their life on you know, in terms of food, this is what we talking about rice, wheat beans, you know, these type of things fruits are not included, okay, these are camellia fruits are not included. And even if they if you call them food, but they cannot be kept for a very long period of time.

01:08:18--> 01:08:57

There are a lot to be said here but time will not permit. So having said that, this is the criteria This is how we supposed to deal with matters you know the items in this life whatever we are selling, whenever we're buying, we look at added within these this dimension How does rebar exists in the province that Allahu alayhi salam asset or that will be the heavy ribbon ILAHA while feeder to be fibrotic ribbon ILAHA until the end of the Hadith when you exchange you see you have two items right money and food when you change between something we share the same nature

01:08:58--> 01:09:05

that's mean gold and silver ring it and silver ring good and gold you know it shares the same nature

01:09:06--> 01:09:09

that is a way to address it you know

01:09:11--> 01:09:18

you might be exchanged in between two things which are the same nature and the same type also, like when I exchanged between golden gold

01:09:19--> 01:09:59

I exchanged my gold with your gold, my silver with your silver, my rice with your rice, my date with your date, you know my barley with your barley you know the same genes and the same nature also the same type and the same nature. In this case, both type of rebar exist. You have two types of rebar, rebar and father and you have rebar and NESEA Reba, Reba and NESEA rebar l father is the one that is based on increase you increase one of the items arriba and NESEA is delay in payment when you delay the payment upon one of the items or both of them then riba exist. So when I exchange between two things, when I x

01:10:00--> 01:10:47

In between two things, which are the same in nature, and the same anti riba exist, both type of Riba, favelas exist and an Oracle and also an acei exist, how am I supposed to do it to avoid both type of riba I must do it equally, and also on the spot, that means I give you 10 kgs of gold, and I take 10 kgs of gold, and I give you on the spot and you give me on the spot, no delay, if I give you 10 kg and you give me 11 And you take from me, I'm sorry. And you if I give you 10 kgs and give me 11 cages, this is the river of and father even if we do it on the spot, but if I give you 10

01:10:48--> 01:10:56

And I take 10 from you, but unfortunately I give you mine and you told me after one hour you will give me yours, then rubber and the car exists

01:10:58--> 01:11:06

equality is necessary and also promptness in terms of delivery is also necessary you must do it on the spot.

01:11:07--> 01:11:30

Okay, that's what I do it between two things we share the same type and the same nature. When I do it between two things which are the same nature, but the type is different. Like when I sell you gold against the silver, they have the same nature natural they are the same but there are two different types. In this case, only one type of riba exists

01:11:31--> 01:12:14

which type of riba exist Riba? Of panacea for the oil is not necessary, I can give you one kg of gold and he gave me 20,000 kgs of silver is not an issue I can give you one kg of rice and you gave me 20,000 kgs of date is not an issue, but we must do it on the spot. And this is what happened in the currency exchange we call it Forex right. And the real problem that this has is that that we delay in terms of the payment, we call it we call it market norm which has no place in Islam at all. In this sense, it has no place in Islam at all.

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Riba is the river whether the souk and the market agrees with IT administrator when I give you $20,000 And he gave me 1 million ringgit, you have to make sure that you pass the money to me on the spot and I and you take it from me on the spot, any delay will amount into rebar, any delay, what amount into into the bar. That's why dealing with money exchanged is not easy. Until the time one of the Maliki scholars said it as art and yes in America do you look for that to Jubilee Metis or if you want your religion to be protected, then don't accept the will the invitation of somebody who is dealing with their sort of exchanging money because it is not easy for this one to stay away from

01:13:02--> 01:13:04

from Riba. Salah salaam raffia.

01:13:06--> 01:13:09

So, the last type of

01:13:10--> 01:13:15

exchange is what I exchanged from one jeans to another, yes,

01:13:16--> 01:13:33

you get it one time to another time. That means I'm buying your gold with my rice is two different dimensions. In this case, riba doesn't exist at all I can buy I can buy one kg of one gram of

01:13:35--> 01:13:47

an one kg of rice with 20,000 kgs of gold, as long as we agree, is okay. And I can pay now, and I can pay after one year, because these are two different dimension.

01:13:48--> 01:14:04

To good idea. I think this criteria given by the Prophet salallahu Alaihe Salam is very, it's very simple. Having said that, let's know let's look at some of the practices that we do nowadays. buying gold nowadays, we buy gold online

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almost whatever you do you buy gold online. And you know the Prophet salallahu Alaihe Salam emphasizes so much on the possession, physical possession, you know, I have to take it I have to possess it. Take it from you, I hold it you know, this is necessarily when you're transacting

01:14:22--> 01:14:59

everybody it you know, when you're selling everybody item, it is necessary to have the possession. Ownership is not is not an IT is not an issue. You might have the ownership but he didn't process it but still rebar exist. I buy your goals and I paid the money for it. But I do not possess it. Riba exists. Although the gold is mine, legally is mine. But I do not possess it. Still engaged, engaging in riba transaction. That's why you cannot buy gold online is as simple as this. You cannot buy gold online because we don't have that

01:15:00--> 01:15:24

echnology, whereby you just close your eyes and see the gold in your presence, you can only buy gold online, when the delivery is going out when the the payment is going to be given on the delivery, it means you receive the item and then you pay. So you finalize the transaction online, but then when they bring you the gold, then you pay them the money.

01:15:25--> 01:15:56

I think this should answer so many questions that we have in nowadays on so many transaction without mentioning a single name, which you guys know that, you know, any transaction of gold that is online, where the possession is not going to be given to any any one of the two contracting parties, you know, both of them not anyone, but both of them must possess the item, you know, I have the gold and what do you call you have the money on the spot? If not, then we will be engaging in riba we transaction.

01:15:58--> 01:16:09

buying gold with the check, you cannot write the check for somebody to go and get his money from the bank. This one also is wrong, that the possession is not maintained.

01:16:10--> 01:16:19

The good idea because check could be lost. You know, if you lost the check, you go back to the owner, the issue of the check, he gives you another one.

01:16:21--> 01:16:23

And that's why you cannot pay by the check.

01:16:26--> 01:16:45

What some systems are doing, when they go to the shop, they want to exchange their old gold, you know, with the new one, they give him the old gold and he gives them the new one. And usually the new one is less than in terms of amount, then then there's but they don't mind you accept it because this is a new model. That one also is the river.

01:16:46--> 01:16:57

That one also is the river, how to fix it. It's very simple. Some of you might call it childish, but it's not. As long as you're following Sharia what concerns us is to follow the Sharia

01:16:59--> 01:17:12

to good idea, the same goes to the Forex how to fix it when I send money to the bank because this how Allah Subhanallah it now becomes epidemic. It is just permissible in sha Allah and okay for prison to do it, if you have no option.

01:17:14--> 01:17:35

Because you don't have any option. There is no any other way for you to send money to a place which is necessary for you to send, you know, except through this way. That's why it's okay to send the money or otherwise you see it also involved in riba because serve is their currency exchange is there. And the delivery is not going to be maintained until after a few days.

01:17:36--> 01:18:16

So that's the problem. But there are a lot of ways to fix it. One of these ways is to go and send the same money to the place wherever you want. I want to send ringgit as entering it to India to Pakistan, to Saudi Arabia to Africa to European countries, wherever you send them, you send the same currency. And it takes 1 million years on the way, it doesn't matter what you change it from dollars during it, and then you're going to take more time for it to reach the destination. That's, that's Reba. So when it says to go to the shop, what does she do to fix this transaction? She told us to keep her that I have a gold have a jewelry

01:18:17--> 01:18:30

would you like to buy? Yes. Just deal with that? Would you like to buy? Yes, and then wait, sell your jewelry, and then take the money receive it to hand cash and then initiate a new deal with him?

01:18:32--> 01:18:51

You have to do it in that way. You cannot just tell him okay, we finalize the deal, or can you buy mine 10,000 ringgit, but then I want to buy that one, before he gives you the money? No, he has to give you the money cash, you hold it first, you know, take your money first, then initiate a new transaction with a new one and tell them I want to buy this

01:18:52--> 01:19:03

and then buy that one that this way actually is better for you in terms of business. Because if you're gonna do it in the way we usually do, it could be exploited because he knows you really need that.

01:19:04--> 01:19:48

And you don't mind to sell your goal anyhow. So don't show him interest that you need what he has sell yours first, fight for your rights, get your money, hold your money and then engage in a new in a new transaction. So, these are just some of the examples of the practices nowadays wherever exist, but as I said, I just deal with the principles which I believe in sha Allah what I have already mentioned is more than enough for each and every one of us to monitor what they do in this life. Their brothers or sisters, remember this that will lie you cannot stand the stain in how for a second. Rebar leads to hell. rebar, rebar leads to destruction in this life. You destroy your life

01:19:48--> 01:19:59

and Allah's motto will cut the relationship between you and him. Many families according to what some scholars have told us have been disintegrated husband and wife will be live in a very beautiful and excellent life.

01:20:00--> 01:20:38

until the time he decided to go for iba things start to happen happening and taking place in his family and sometimes it enter by divorce separation, a complete separation between the family members. And the reason why this is happening is because of the rebar which is a hidden consequence that a person might not pay attention to it. Because what is the connection between a family life and the river? You might not see it, but it is deeply connected. That's where Allah subhanaw taala says in the Quran, yam Hala Horiba where it is cut. You remember I said I'm coming back to this ayat, Allah Subhana. Allah says, Allah Horiba will you decide to cut any Baraka, any Baraka that can

01:20:38--> 01:21:17

exist in a wealth, Allah subhanaw taala promise to take it up. Allah smart Allah sweep it Allah smarter, like clean it, remove it, your wealth will have no brokenness. And if a person in that family is going to consume it, things are going to take place in the family which might end by destroying the family. In a way people will never realize that this is coming from from the river. And as such, my dear brothers and sisters stay away from river no matter how much small it is, don't you ever justify and validate that which Allah's water made haram based on simple and shallow things, you know, you're looking for inner satisfaction and Wallahi My dear brothers and sisters,

01:21:18--> 01:21:55

you will never get it unless if your weight loss watada and it cannot be with Allah subhanaw taala dealing with three but at the same time, you get the satisfaction that the success of life which success in life, which is which is based on the peace of mind, this can only be achieved through the righteousness then there is no way for a person to be considered as a righteous person. And at the same time he deals with with riba. You need this My dear brothers sisters, you need Allah smarter to step in, to get involved in every single part of your life. You need this. So don't take riba don't go against Allah subhanaw taala stay away from riba to the halal take the halal thing, make sure

01:21:55--> 01:22:04

that your wealth is halal. Allah smarter will be with you. Allah will accept your DUA, Allah will never reject you will never raise up your hand and ask Allah Sparta and be rejected at the same time.

01:22:06--> 01:22:45

That's what you need. My dear brothers and sisters, if you know this, I'm telling you, this is what you need in this life. We're not here to stay forever. We're here to cultivate to harvest as much as we can, so that will succeed in the hereafter. So understand this fact that this is not an in this life is not meant to be continuous. We're supposed to be taken back to Allah subhanaw taala very soon I call it very soon, because life in this dunya is short no matter how much you see long Allah says in the homie Rana who buried when Rahu Cohiba la smartglasses will always proceed and think that life is so long you know we still have time No my dear brothers and sisters death is always

01:22:45--> 01:23:09

around the corner at any time it can come and reach you so make sure that you live in a very Halal way in the way Allah subhanaw taala once and I guess this is more than enough for today in sha Allah hoping to see you in the future in my classes we have lost money to the grantee good and success in life. If there is any question as usual, please let us get get those questions.

01:23:13--> 01:23:14

Okay, you are the one who was asking.

01:23:18--> 01:23:28

Okay, the first question is, nowadays in vendor agreements, they say in the contract that it will delay payment by a day or some somewhere they will increase

01:23:29--> 01:23:32

their quality, aka wages that year.

01:23:33--> 01:24:10

So this increase permissible dishonor is not any contract that you go to rent a house, for instance, and the right that if you delay the payment for a day, or if you delay for a month, or if you delay for two months, or if you delay for one year, whatever amount of days they mentioned, you're going to pay extra amount, that contract shouldn't be signed by you. They call it a COBOL design er but this Kuba is wrong. You can punish a person in this way. You take him to the court, the court can charge him whatever they want to charge him and put it in charity, put it in charge and support somebody but it never come to you. Take him to the court, the court will deal with him in the way

01:24:10--> 01:24:33

they want. But you cannot charge him extra amount just because he played independent and as as a tenant are not supposed to sign that contract. That point. Now that clause must be removed first. No, sometimes I there was somebody who asked me the question because the landlord insists. He said no, this is just what we apply on everyone. We're not going to do it. I told them they have to remove it first.

01:24:34--> 01:24:42

Even if they're not going to apply it this is the labor we element. It has to be removed in that contract for you to to sign

01:24:43--> 01:25:00

agreeing with riba even if you know you're not going to pay it is haram in itself. You cannot agree with Rob. Get it so any contract that has element of rebar in it, you're not supposed to sign that contract. Even if you know that in the future. You have the authority to bypass it and to skip it but still

01:25:00--> 01:25:02

You cannot sign a contract which contains Riba?

01:25:03--> 01:25:03

Yes, and

01:25:05--> 01:25:32

especially as some student loans charge what they call a service fee. And this amount is charged based on a percentage of the amount that was originally 1% or 2%. For this fallen River, yes, it is. Any loan that you take from any company will charges you anything, I call it service fees, you know, any amount as long as it is loan, that is no way for somebody to charge anything from any charge that you have, on top of that this will be this will be about.

01:25:34--> 01:25:47

Okay, this is a third question. How do we get financial assistance? If the Islamic banks themselves are involved with riba? How do we get how do we get financial assistance in the Islamic banks themselves are involved in Aruba?

01:25:48--> 01:26:14

Now a person should know that Allah subhanaw taala plays in this life, you know, a lot of means for a person to get financial support. It has never been based on these financial institutions. When did they exist? 100 years ago, you know, the banking system? When is it? You know, I can trace the time when it does exist, but we're talking about 100 years ago, if you're talking about the Islamic banks, were talking about 50 years ago, you know,

01:26:15--> 01:26:17

how the people used to live before

01:26:18--> 01:26:20

you can idea how did you used to live,

01:26:21--> 01:26:44

we still have the conservative and the normal life, which is also efficient. But unfortunately, the current nature of education that we have nowadays, it just put in our brain, that you have to affiliate yourself with these institutions for you to get financial support, which is absolutely wrong. Very wrong. Nobody says you have to start with this amount of money, you can go gradually,

01:26:45--> 01:27:03

somebody was mentioned an example of an entity, I will not mention his name because the name REM is somehow bad. But somebody was telling us the history of this person, actually not the person himself, his father, his father, the history of the father started with what with zero, he doesn't have any

01:27:04--> 01:27:14

it goes to the marketplace and help somebody to carry his is good from from the from the shop, you know, to his car and get some the amount of money.

01:27:17--> 01:27:24

So this person, this is how he began to get idea. This person, this is how he began.

01:27:25--> 01:27:31

And he reached a situation whereby the government in his country, they borrow money from him.

01:27:34--> 01:27:38

He did not go to school and get money because of his certificate. You know,

01:27:39--> 01:27:45

the government is borrowing money from him. But so has Hala remember the past his beginning.

01:27:46--> 01:28:01

When he died, the government realized that what he left you know the acid no he left the acid is is equivalent to the quarter of what the government has. Hala is one of my professors in Medina to us.

01:28:03--> 01:28:09

This is a good example for us. You know we have many examples like this. People who do not go for that

01:28:10--> 01:28:45

kind of education but a lot smarter make them rich. I'm not saying education doesn't have value, actually they are deficient. Whoever doesn't educate himself is deficient. That my dear brothers and sisters, let's be honest to ourselves, Haram is haram Allah Sparta will never make it haram if, unless if Allah is smart and knows that it is harmful for us. And Allah provides so many ways just open your eyes. Don't restrict yourself to certain things that you have to get these ones for you to get rich. Open your eyes, the dove Allah smarter is a lot. Stop being lazy, you know, this way I can say stop being lazy, go and do hard work. This person started with that kind of job. He has his

01:28:45--> 01:28:55

picture carrying the bag on his back, you know, bag on his back. He was carrying it you know for on behalf of somebody to get one cent 50 cent if they had Allah in Saudi you know.

01:28:57--> 01:29:00

That's how he used to get that little amount with heavy job you know.

01:29:01--> 01:29:04

But at the end of the day, Allah smarter letting achieve his goals.

01:29:06--> 01:29:39

We should imitate this kind of people understand that the risk of Allah subhanaw taala is everywhere. Allah never restrict us and we shouldn't use restrict ourselves, financial institutions, when they deal with riba they remain in that position, dealing with them is haram. And it will remain haram unless if a person is in a state of necessity, which I don't know when exactly this state of necessity will, will happen. Good idea. I didn't know when is it going to be really state of necessity for person to take River. I'm telling you if you sit and

01:29:40--> 01:29:46

be honest to yourself, you might not be able to imagine a situation of necessity that will push a person to take

01:29:47--> 01:29:48

their law grants go to

01:29:50--> 01:29:51

the next question.

01:29:52--> 01:29:59

So if a house owner buys his property with a loan, and then brings it out to people to pay his loan, this loan is based on interest