Channel: Isam Rajab
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Salam Alaikum Allah thank you for joining us and the class today inshallah we'll discuss very important issue of which is interest Riba.
We started with the definition yesterday and today we will discuss this issue in details in sha Allah. Now, Reba, as we said, it is increments and it is prohibited in Islam It is one of the major sins The prophet SAW Selim said it then he was available because avoid the seven major sins and He mentioned one of them Riba
and actually, it's very destructive sin. I mean, even the major sins, there are differences, like one of them is greater than the other. Riba is a great sin.
The Prophet sallallahu Sallam in one Hadith narrated by Al Hakim.
He said that a Reba is 36 degrees. The lowest of them, is like fornicating with your mother in Aqaba.
Xena is a major sin, but to commit Zina with a relative, this is a greater sin, and to commit Zina with your own mother and to commit this sin in Al Qaeda.
this is not the greatest thing equivalent to Riba, this is the least level of Riba.
Now and in the Quran, it is the only sin that Allah subhanaw taala threatened with punishment of war.
Those who deal with interest, they will fight Allah Subhana Allah on the day of love. That's what the law says. If you don't give up interest, then
be informed that
there will be fight
from Allah and His Messenger Barnabas or the Allahumma he said about this on the Day of Judgment, the man who deals with interest he will be given a sword and he will be told Be ready because you are going to fight Allah
subhanho wa Taala so that's interest and actually before I forget you have assignment for today
it is due on Friday inshallah.
Friday it's due after tomorrow your assignment is to write one paper only one page about interest.
Why it is haram? Answer this question on why do you think interest if Haram is haram I mean we are in society where they deal with interest is a pillar in this society. Why? Why we say it's haram and they cannot give it up. So I need you to write one page about interest.
It is due Friday, inshallah evening
We have two types of interest.
Now, before I mentioned this in English, is there a difference between interest and usually
Now in practice, I believe there is because when they say when they tell you this is usually they mean a negative thing. But when they tell you this is interest, it's okay. Right.
So, but in linguistically
Is there any difference between usury and interest?
Okay, then we will use we will alternate between interest or usual because for us as Muslims, it's the same.
We have two types. Yes.
They include profits.
Usually interest they consider its profits, but that specific profit, the profit that you get from the increment of
Okay, we have two types of interest. The first type of course, interest in Arabic means what and I want you to know the Arabic terms Riba because it's mentioned in the Quran you read it, so you need to know three but the first type of interest or Rebbe is rebel, rebel, rebel, rebel.
Rebel Father, what do you mean by rebel for the rebel rebel means usually of superiority.
I could not find a better word. I looked through many alternative words fillable in Arabic, when you have something better than another thing.
So that's the usually of the superiority of that.
thing over the other thing that's commodity that merchandise over the other one that's what we mean by usually of superiority
I think this is better
quality sometimes is not the the issue
yeah and that there is a quality sometimes the make of it is the difference not the quality. It could be I mean as I told you, you just need to know the name and I will use from now on the Arabic term rebel father you know what I mean?
A better type.
The second type ribbon nesea
ribbon nesea nesea is mentioned in the Quran in MnSCU Xia the term filco for in Surah Toba they are up in the jelly What did they do they used to change the dates of of the month.
So they used to delay them that's where the word came from. NASA means delay.
So how what do you mean by this in here in.
In labor in
NASA means when you delay the payment with increment
it's taken from the linguistic meaning NASA means delayed
usually of increment.
So we have two types of usually
rebel football and ribbon nesea
we'll start with rebel
the definition of rebel father maybe now it will be easier for you to break it down. But I need you to know also the first definition that we took yesterday
rebelled to exchange gold, silver or food with the same type but different way
due to the difference of quality.
What do you mean by that?
First of all,
what are the types
that are subject to Riba?
We have three types.
Food, gold and silver.
Only these types there is rebar in them.
So do we have rebar in coke?
It is food.
It is beverage. Right? Right.
Okay, that's why you need to know the types three types of food.
Gold and Silver.
Actually, it's excluded. It's not food.
They differ in the Shafi they differ between food and drink.
Yes, we're coming no questions now. I need you to know you knew now the definition. You knew that there are three types of Riba.
Gold, silver and food. What do we mean by that? You have 10 grams of gold. 14 karat.
You want to exchange it with
21 carat of gold.
Now which one is more expensive? 21 or 14 karat? 21. So if you have 10 grams of 14
usually you will exchange it with how many grams of 21 karat eight
Because we said the 2021 is more expensive. So you will not
trade it with the same grams. That's River. That's rebel father. That's rebel father. Why? Because you are exchanging the same type which is gold.
You are exchanging gold with gold.
weight because of the difference in quality. That is River.
What should you do?
You give 10 grams of gold. You get 10 grams of gold. Well, that's more expensive and this is cheap. In Islam, this is River.
What do we do?
pay for it.
The 14 karat you get the cash and then
you get that
that necklace that whatever you want that 10 grams of 21 character of God
what's the evidence that this is forbidden? Why the bat is forbidden what's the evidence?
Allah says interest is forbidden right? Does that include the gold
he specified where that's what I'm looking for where?
Okay, I have 40,000 howdy theory number could you get it for me? Where what's the evidence now you need to know the evidence why
interest is haram. I mean what's the evidence that it is haram? This type what we talked about is haram.
This is the Hadith.
Don't tell me you write it because it's in an anvil hurry. I mean, it's famous Hadith Hadith about the summit. If you don't have it, you want to write it, that's fine write it down. But this is the essence of forbidding rebellion.
This is the essence of forbidding the interest or the usury of quality usury of superiority whatever you want to call it. We will call it rebel from
Look what the prophet SAW Selim said the selling of gold for gold is Riba is usually Now look here, this is interesting. Look at me. This is interesting Why? Allah says in the Quran, Allah Allah Allah.
Allah made selling lawful. Here the prophets I still am telling you selling of gold for gold is unlawful. So that's the essence which means usually if you sell gold for gold, it is what interests so you have to be careful except.
So in general, selling is halal or haram. In general, selling is halal. In general gold for gold is halal or haram Haram in general. Okay, you see the difference here? the selling of gold for gold is Riba is usually except if the exchange is from hand to hand, what do you mean by from hand to hand, though? Does my hand have to touch your hand? No. What does that mean?
A job a couple. So I tell you I accept and you tell me I sell
and you give me the the goal. And I tell you I'll give you the gold next month.
Direct that's what I'm looking for direct immediate. That's what the prophet SAW said I meant by hand to hand immediate. Okay. And equal in amount available with that heavy ribbon in less than Viet Mifflin. That's what the prophet SAW Selim said it has to be equal 10 grams, you get 10 grams 15 1500 100
and equal in amount and similarly,
the selling of wheat for wheat is Riba similarly, selling of wheat. So now we have Riba we have gold. Now we have wheat.
Selling of wheat for wheat is Riba unless it is from hand to hand and equal in amount.
of barley Shire, for barley is usually unless it is from hand to hand and equal in amount. And dates for dates is usually similarly dates for dates. Unless it is from hand to hand and equal in amount.
How many types we have here?
For actually the prophets I said, I mentioned how many types
six. There are two types missing here.
Silver, coarse gold and silver. What else?
So we have wheat, barley, dates, salt. Why?
Why did the prophets I send them say
food for food is Reba.
Those things are traded for value.
So sometimes, yeah, not in Arabia, but sometimes I agree. What about value
barley was not exchange.
basic necessity of the ears.
The general Watch out what you're seeing general is allowed, which means any type other than those of food is permissible to apples for a better Apple, bigger apple.
Is that permissible or not?
According to what you said it is permissible, right? Well, actually, it's a matter of it's an issue, debatable issue. But in the Shafi school of thought, of course, and that's the most accurate opinion, all types of food is Riba. As I said before, food, all types of food. They said, this is the eloquence of the messenger Sallam he mentioned salt, because salt is what is an essential part of your food.
No, it's a compliment.
Right? Some people they don't use salt at all.
Yes or no?
Yes. So it's not essential. what's essential? The buffet sized celebration?
wheat wheat is essential.
And barley for some people. What about dates? dates, is considered the type of what fruit so the buffet size lm gave you all types of food.
Other scholars said no, the prophet size Salaam was just able to say simply all food, gold, silver and food. That's why some schools of thought they don't see two apples for Annapolis River. But in the Shafi school of thought
they say any type of food is what
Which means, can I tell you?
I gave you
which is two pounds of
chicken steak for your meal, which is one pound of
beans and shrimp.
Is that permissible or not?
permissible? No, it's not permissible. We just said it is food. Can you exchange food with different
No, you cannot.
Is this understood or not?
or three types? Three types in? In brief food. Silver and gold.
Okay, like what?
or different types? Yeah. Yeah, I'm sorry. Different types.
Yeah, exactly. If you have two pounds of steak, for one pound of chicken.
Is this permissible or not? Yes, it is. I said no, right. I'm sorry. I was wrong. Yeah. Why? Because they are different. But if I tell you two pounds of steak,
I don't know what are the types of steak prime rib for one pound of steak of
whatever, is this permissible? No.
Two pounds of salt I idolized or whatever for one pound of salt extra crystal. So is this permissible? No.
This is not permissible in all schools of thought.
Is this clear?
Another Hadith the prophet SAW Selim said
do not sell gold for gold unless equal in weight. Nor silver for silver unless equalling weight.
But you could sell gold for silver or silver for gold as you like.
As You Like, if it was there is a continuation for this. If it was what
hand for hand.
steak with soy sauce with whatever your full or you're hungry. I'm full. I have this lunch until I'll give it to you.
And you give me your
Dinner, which will be shrimp
is this permissible?
It's not hand for hand this is not permissible.
Now, we have two conditions to exchange these things.
Otherwise it will be what Reba.
If you want to exchange gold for gold, silver for silver or for food for food,
it has to be equivalent in the amount
This is the first condition, the second condition, it has to be immediate
Now, another had if I did not mention it I forgot when the Prophet size alum
sent a man to hiber and that man came to him with this very good date. So, the prophet SAW Selim told him that's a good type of dates is the dates of haber all like this one. The man said no or messenger of Allah, we have to sell two pounds of less quality dates to get one pound of this dates. What did the prophet SAW Selim said I know rebar that's the rebar that's the exact rebar don't do that. The prophet SAW Selim guided him to do what to sell the two pounds to get the money and then purchase
the better one
so these are the two conditions
in exchanging these types.
Gold for gold, it has to be the same.
same wait at the same time. date for the same thing.
is this permissible?
I have a 16 inch DELL LAPTOP and I want to exchange it with
Acer laptop AMD
but it's smaller screen 10 inch
It has to be from the same type. Can I give you this and take yours?
This is why
Can I or can't if I can? Why?
The same thing What? It has to be a laptop. Can I give you this camera? Yeah, for $5,000.
is this interest?
It's not it's not interest.
It's not is it gold? Is it silver? Otherwise most of the transactions are River.
That's why I told you three types. You need to know three types.
Is it another question? Is it permissible to exchange two Nissan Altima cars for one hammer? Three
it's not Reba. Okay. This is not River.
Is this clear? You know now what is river and what is not river?
Can you exchange two cell phones?
That quality for one cell phone good quality.
Can you exchange
for another laptop?
Yes or no?
Yes. Yes you can.
car with money for another car.
one pound of dates, less quality
with $5 for half pound of dates, better quality
is it river or not?
one pound of less quality of dates with $5 for half pound of better quality of this
you are exchanging one pound and money for
Why? Why can't I?
Yeah. So you are exchanging dates with dates with different
with different weight or quantity? Yes.
It has to be the same. Okay?
Now what's the what's the reason behind the forbidden See?
If you have good quality, you will manipulate the market. Right? And if you have bad quality, I mean no one will take from you. And it will it will leave cheaper and cheaper by this Islam guaranteed justice for everyone. Okay, Islam does not look only for the poor, or the rich. Islam looks for both. Islam tells you you sell it and then you purchase that thing. Many people don't conceive this. Regardless, it is forbidden. That's exactly what the messenger Salim said. It is Riba most of whom and unfortunately they do that. They go to the jeweler and they give him
They exchange it for new gold for less amount. Like they enter with 150 grams and they leave with 100 grams. Is this permissible?
I remember is Olivia there what happened to her goal?
It's really important you need to teach people what what what should they do?
Exactly. You take you take the money. Now what what they do? Usually you go to the merchant and he says Yes, okay, I will purchase it. You don't get the money. He purchased it he told you that the amount and then with that amount he calculates that's not helpful. You have to get the money
okay, because the transaction did not happen yet.
He would not sell it
to you or purchase your old gold if he did not know that you will purchase a new gold. Many people do that. Right? I mean, why why should I purchase all gold? Unless you are purchasing from me? You go. So you need to finalize the transaction first. Yes.
Yes. Can you transfer this store credit to a money real money?
Can you give it to another person and take from other person money? If you can then it's it's just like finalizing the transaction so it's okay.
Yes, but if this gift card is not transferable, not cannot be cashed, then no because it's the same.
That means he did not sell you.
He did not purchase from you. Unless he knows that he will. You will you will buy from him. Okay. Again, why? Why is this loop I mean many many women when you tell them they say why I have to take the money and then it's the same. Isn't it the same? What do you think
it's not the same. Now imagine if you cannot I mean if you cannot
get the money, you have to exchange what will happen. The old gold will be much cheaper and the new gold will be much expensive.
But when you sell your your old goal, you guarantee that you get money and you could leave you leave and you purchase from another person. Otherwise no one will purchase from you your old goal. They will take it from you because they know they could get gets a good deal from you. They could sell you the new goal.
Is the matter of rebel football clear.
Is it clear?
Then you keep the questions after the Okay, ribbon nesea now this is the second type of rebar, which is rebar and nesea.
What's ribbon nesea?
The increment of money based on time.
Okay, Zia that a theremin makaveli agile. That's what we say in Arabic. Xia that the feminine female karbolyn agile.
he wanted to purchase this cell phone.
So he gave, I told him, it's $150 he gave me $50. And he said, I will pay you 100 later on.
After one month, we agreed that after one month, you will pay me after one month, he did not pay me. So I tell him, the 100 became what?
120 or 125? This is what this is ribbon nesea. Why? Because I increase the price based on time. Is this permissible?
No. So we know the example.
This is forbidden.
That's sort of an axiom.
the practice one nowadays, the common one,
you get 50. And you pay back How much?
If it's for 10 years, it becomes 8515 years, it becomes 100.
Right? This is what in general, it is long, it is called the prophet SAW, Selim said colocar in jarana fund for horiba. Any long
how to translate any loan that generates a benefit is river
colocar windjana fund for horiba. Why you pay along? Or you get a loan, you pay it back the same thing?
It's my money, and I helped you shouldn't you help me as well?
I mean, I paid you 50 so you should pay me 60? Why not? What do you think?
No, why not? Why? perpetually? No, I'm
harder on the person to pay it back. What if it was a small amount? I'm not charging much 1%.
You take $100 you give it back? 101? I mean, if you could pay 100 you cannot pay 101.
Now, is it forbidden? Even if it's 1%?
Is it forbidden? Why? What's the evidence?
That's about alcohol.
You diverted this to two interest.
That's not Hadith. That's definition. That's what scholars define the they said ribbon nesea is the increment
of money based on time.
What what are the cycles?
Okay, yeah, that's, that's correct. Yes, that's an evidence
and is it true or not? Is it increment or not? It is so if it is, yes.
You take advantage of people's need. Of course. Again, this is your job. I want you to find out these reasons. I know but I want you to find out the reasons why Riba is haram, especially here, many people ask you, all you Muslims, they think that you don't understand business and this is essential in a common economy. Actually, it's not essential or nothing. It's it's scrapped because
with interest, ask any any
Any person, businessman or see or whatever, tell him, give me the the perfect plan five years 10 years plan where you will eliminate poverty or how you will achieve justice, they cannot do that.
It's total injustice.
Islam tells you, you paid 50, you get back 50,
you get 50, you get back 50.
You don't give 50 and you get back
70 if you want to do that there is another way you become a partner. So you share in the loss and profit. Because again, if you take along
with interest, and you lost,
share you in the loss?
Do you come and say, Look, I took from you 50. But I cannot pay you 60 back because I lost? I'll pay you only 40?
Of course not. I'll tell you I don't care. And that's exactly what the banks are doing.
Unfortunately, the banks, they could do lots of things. They could be the most powerful tool in building the society. But actually they are destroying Why? Because they only make money over money. They don't invest in projects. Yes, they may give like charities, one 10th of a percent percentile, maybe they give, but they don't really contribute. They don't partner with people. Unlike Islamic banks, you come to the bank, you don't have money, but you have a project, they are convinced that this is successful project, they are partners with you. This will come in companies because this is one type of companies.
You do your effort and they supply you with money. You share the profit and you share the loss. Because at the end you don't want to lose you will lose your job you lose your effort that you did.
That's why in Islam, it cares about both parties. Not only you not only them because if I have money, and I charge interest, why even I need to work.
Okay, so this is ribbon nesea
those are the two types of Riba that are forbidden. Now let's try to apply to our life like the most common question mortgage. Is it haram or Allah?
What is mortgage basically?
loan? Right? It's loan. Correct. You pay 50 you get 50,000 or 100,000 how much you pay back?
No, not 125 actually it's
Within 30 years if you calculate it if you take 100,000 I believe you will pay
you will pay interest 120,000 almost so you pay back $220,000 almost
it's adjustable rate 30 years that's exactly almost what you pay, you get 100,000 you pay back 220,000 Now let's say it's 150,000 is this haram or halal?
is it haram or halal?
no I need to build the house why you prevent me from going to the bank to get along to build my house.
I take a loan 50,000 and I pay it back 60,000
this is increment in the lawn and it is what it is haram it is Riba it is haram. So what about people who I mean how many people do you know they have mortgage
many people are doing it or few people or what?
What do you think? Not Muslims? I'm talking about Muslims now.
Like some other kind of
now why it is haram again, even those who say it is not haram they don't actually say it is not haram they say it is necessity.
No one argues it's Riba. It's Riba but they say in the time of necessity, you need to do it.
That's another issue. Actually, it's much easier to say it is Riba but I will do it then say it is hella.
When you commit that sin and you say this is sin, it's much easier than you say it's not the same.
Then what's the difference? What about auto loan?
Why it's sophisticated? It's okay you go to the dealership. You want to purchase a car $30,000 but you don't have cash $30,000 you tell them I will pay you in four years.
The amount and they tell you it is 35,000
halal or haram?
You go to a dealership you want to purchase a car
they tell you it is for $30,000 cash installment 35,000 or 40,000.
So you say I will purchase it installment I don't have cash. So it is 40,000
what? Online Okay, what what online says
that Sarah says it is haram.
Who agrees with the false sort of puzzle in this matter?
Why it is haram?
Is it alone? What's the difference now?
Exactly. That's, that's the different thing about it. Yes, it is different amount. But this difference was based on time or the type of selling
the type of selling.
And he did not take along what happened you took what?
You took the car, took the car. Now can I tell you?
I will sell this pen for $10 and he told me oh I don't have $10 Give it to me and I'll pay you tomorrow. I'll tell you if you come tomorrow it will be 12 is this halal? or haram?
holla I need the money now. You tell me tomorrow Tomorrow I'll increase the price. Am I free to increase the price or not? Yes, I am.
Yes I am. See the difference bezerra
there is a problem go ahead.
what usually happens, dealer, the dealer is the owner of the car.
give you the money so that they can find the car from them.
Okay, again, you go to a dealership, you want to purchase the car
for $30,000 but you don't have cash. They tell you you go to the bank
and you will take the loan.
Right. So what happens here? The bank sells the purchase of the car from the dealership and sells it to you right?
Yeah, that's Hello.
Yeah, can I go? I am a big businessman. I have $2 million. inshallah.
And I know you need the house. And that house It is $50,000 I go to that house and I purchase it for $60,000.
And I tell you go ahead. This is the house. You pay me $60,000 installment?
Is there is anything wrong with this?
Actually, that's the Islamic solution. Now what's the solution? Many people and this is very important as student of knowledge. You cannot just tell people haram haram you need to provide them with alternative. What's the use if everything is haram remember the basis is it is valid.
All the transactions should be halal unless it is stated that it is haram.
The solution here you go to the bank, you tell the bank you purchase the house. Instead of giving me loan. You purchase the house and you resell the house for me.
But the banks don't do that Islamic banks that's what they do.
Here they tell you it's on your own. It's the money. That's what we care about our money. See when they sell when they purchase the house. Now they own the house
and then they resell it to you so you you did not really take a loan. What you took is a merchandise you took his property and this property. It's the property of the seller he is free to sell it for 100,000 200,000 300,000.
See, the solution is is easy but unfortunately many people
I don't blame the banks actually. The banks they want to make money.
I believe if
There is an Islamic company established here in United States it will be one of the richest companies because most Muslims will go there
Yeah, but they deal mostly with with mortgage only you can do you could do lots of things even even this I mean even laptops, anything cars
I hope you understood exactly the issue of interest. Is there any question?
Now we'll open the floor for questions about Reba. Do you have any questions? Yes.
I did not get it. I mean, he charges you for the charges that you are selling the goal.
I did not get it Really?
Your question Archie when you sell the gold? I mean,
each gram is like $15 worth. Okay, you have 10 grams. This is $150 you go and you tell him I want to sell this goal.
What does he say?
He says I will purchase it for 150. But there is a charge What? I don't understand what's the charge? What's the type of the charge?
Fine. Okay. And now the question
and then use the cash to buy five grams.
Did you make the trade correctly? The goal
take one use cash in the middle.
So here I believe I told you I already answered this question. As I said, If you cannot sell your your low quality merchandise, that means it will be much cheaper.
If you will exchange it directly. And the high quality it will be much more expensive. That's why
Islam told you you sell it first. You make the trade first you sell this low quality you get the money and then you purchase whatever you want.
I think I already mentioned
and this is part of your homework, I believe you find out I mean you will you'll find interesting things by
hand to hand. I mean you cannot
give me 10 grams of gold and tell me I will take from you 50 grams of silver after one month
or 10 grams of gold.
After one month Why? It has to be done immediately.
Okay, that's the meaning of hand to hand.
Okay. So with
that in four years, instead of paying 30,000 it's worth
you're allowed to do what?
Yeah, now now when the dealer owns the car, I mean, whatever price they say. You can purchase it for because if it's 30 or 40 he did not get money and pay extra money. What did he do?
The price was changed based on the your ability to pay back not to pay it back to purchase. Okay and this is permissible.
Is the dealer allowed to change the amount over time? No. If you change the amount over time then it becomes worth ribbon nesea However, sometimes they tell you there is a charge, like fixed charge, whether it is one month 10 months it is the same like one time or that's not like you are delayed one month so it is 3% you are delayed five months then it is 6% that's river still river.
And you cannot do that
is not about halaal. I'm really not sure I'm still studying because I hear the contradicting statements about it. So I'm not sure I hear that what they do is really interesting thing. They become like partners with you. So you are renting with them. You rent this house from them, they own the house. This is the first step they own the house.
Or actually they don't own the house, they go in partnership with you. They have very high amount of shares like 95%, you bought you pay down the 5%. And then the more you pay, the more share you have and the lesser they have. If that's the case, it is still okay. But I'm not sure I mean, I cannot give you a really an answer. I mean, now it is your job. You can find out if it's halal or haram. You apply the rules and you find it if it's halal or haram.
Yes, increase in price increase in prices not Haram. I mean, the I'm free to sell this for 10 1520. And I'm free. Also, when you come to me and you tell me, I'll pay you. I'll pay you right now. It's not like when you tell me I'll pay you five payments.
And there is four months apart in every payment. I mean, it's not the same. So so it is permissible.
Are you allowed to make 100% profit? That's interesting question.
Why? How about making 1,000% profit?
It is permissible.
What's there with us?
Very good. Nothing too prohibited.
And the time of the law one and the time of the law on a caravan came. There was a drought. There was I mean, very difficult situation in Medina.
And there is a caravan. We're still in session as we're still in session, please.
There is a caravan came for us man with all goods and all types of things. Merchants came to us man all day long. And they said we purchase everything you have. twice the price you paid. This is how much
He said no. They said three times. He said no. 300% five times 500%. He said no.
until they reached seven times
negotiating with a man of the alarm. Seven times 700%.
He said no. He said there is someone who paid me more. They said we just came and the caravan just came. He said it is free for the people. Allah paid me 10 times more.
They said if it was not permissible, he would not have said that and the merchants would not have negotiated with him.
You are allowed to make as much profit as you want.
This Hadith colocar then jarana fonfara. But this is only one Hadith. There are many. in general. What is Reba, Reba is increment. So you get money and you pay money that's increment. So that's haram by the Quran by the book of Allah subhanho wa Taala Allah says do not eat up Riba.
Above and above, that's an evidence, the Hadith of the messenger Selim colocado every loan that generates benefit for whatever, actually this hadith does not pertain to money on I gave you alone $50,000 and I told you, I want only $50,000 but next day I come to you and I tell you, I need the right. Had it not been for the long you would not have given me a right. Is this permissible? No. This is considered Riba why because it's the benefit that you're getting by giving the lawn
so that's not exclusive for for the ribbon on
ribbon. nesea It's forbidden. There are many
Yeah, you avoid it, you avoid everything.
That's the last question.
Who's asking this question? So where were you with us in the session because I said mortgage you are getting a loan. You are getting $100,000 and you're paying back $120,000
but installment you are purchasing commodity you are purchasing something property just like you're purchasing this laptop just like you're purchasing anything.
Okay, we will stop here inshallah, we'll have a break Santa Monica.