FIQH 3/19

Isam Rajab


Channel: Isam Rajab

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hamdulillah salatu salam ala rasulillah Rancho Santa Monica, Santa Monica Allah

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Welcome to the class. Today inshallah we will talk about the forbidden transactions

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we already mentioned at river and we mentioned the two types of Riba. Now we are mentioning what is attached to rebar and what is also forbidden as principal. Like we said, in general, the financial transactions are permissible unless it is mentioned that it is haram. Now we have one type is called by Elena Elena, or

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the selling of Marina.

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This is one type of selling, what's the definition of it? Or what's the nature of it? how it happens, this is how it happens.

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You go and you purchase a commodity merchandise car article of property.

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I need money. I go to one of the brothers who have Mashallah money.

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I go to them, but they don't give me cash they say we will sell you a property article of property. We will sell you this car and you will pay us later. How much is this car

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$30,000. So now you purchase the car, you paid nothing. But there is $30,000 to be paid, then you resell the car to them to him.

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And they will pay you cash 25,000. So what happened? You got $25,000 cash, how much you will pay?

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How much you paid

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$30,000. This is what we call Bay Elena. You see what happened to purchase an article of property

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with the later payment and to resell it again.

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And to get the money cash

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to the same seller. That's the condition to the same seller.

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You got it?

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Not yet.

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You got it. You know what? You know what is it how it happens? Not yet. Okay?

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You need money.

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But you don't have cash.

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You go and you purchase a car and you tell them Look, I don't have the money. They tell you Okay, you will pay us later. Then you tell them I will resell it to you.

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The car that you purchase, you will resell them. They say okay, we'll purchase it from you with $2,000

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deficit. So now you owe them $30,000 and they gave you $28,000 cash, you're left with $20,000 but you owe how much

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you got it now. Okay. Is this permissible or not permissible?

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thumbs up.

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Of course, now you owe them $30,000 and the car with them. You you ended up with what? with cash with cash

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playing games.

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Instead of you trying to fool over, you're trying to fool a lot by

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a commodity. So you say it is Reba It is like you got 30,020 $8,000 cash

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you owe $30,000. That's the bail in

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English after school of thought this is permissible.

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This is permissible This is full of the majority of scholars said it is haram. It is Riba now why it is? It is allowed. Let's take the Chicago school of thought first, why it is allowed. We said in principle are the transactions allowed or prohibited? allowed? That's first second. We have an evidence from the Hadith of the messenger cisilion.

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Remember the Hadith about dates do not sell two pounds for one pound. Sell first the two pounds, get the money and then purchase the one count. They say that's the same.

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They say it is the same. Okay. Other scholars, they said there is an

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authentic hadith from binominal Ilan Omar narrated by Abu Dawood and others, is that I am bill aina, whatever it can be done.

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Because Allah, Allah, Allah, Allah, Allah, Allah, okay. And when you start transacting with with aina you start selling and purchasing aina this way, and you live jihad, you abandon jihad. And you you follow your worldly desires, you follow the others what will happen? Allah will humiliate you with the humiliation that will not be taken over, removed from you until the Day of Judgment is highly concerning and without

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many scholars authenticated, this Hadith, Shafi is say it is not authentic. This Hadith is not authentic. So we remain on

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the original ruling, which is Helen.

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What I want from you to know

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what the Shaka is, say and their evidence

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whether you agree or you disagree. Now personally, I believe it is haram. Because as Hashem said, as an Abba Serrano said that it is a loan, it is loan interest, but something came in between nothing changed the reality.

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It is a loan with interest. That's it, it is Riba.

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And that's why some banks, so called Islamic banks, or Islamic companies, here, we don't have this issue. They don't blame us, they tell you, you take loan, you give us back loan with interest in there, what they are trying to do, they do that, you come to them. You have the car, they tell you, you say I want money, because that's what you want, you need money.

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You need money, you end up getting money, but you owe more. So they tell you, okay, purchase this car.

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And we will purchase it from you.

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So they give you the cash, you live with cash, but you owe how much more then another person comes the same day, and they sell him the same car. So the car is sold 40 times a day,

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or 100 times a month is the same car, it was not changed. Now, does that make sense? This is games.

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Right? But the chef is still say there is no solid evidence it is haram, the original, the original ruling, it is halal. So we abide by it. And it is similar to the hadith of this. Scholars talk about famous issue which is called cover rock, the rock meets the need of cash, you need cash money. So they say there is

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a solution for that. You go to a place you purchase the car, and you promise them to pay later payments. When you go to another place and you sell the car. Can you do that? Or you can? Of course you can. So this is permissible. But not this one.

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Even the second one some scholars forbid, some scholars have been telling me that many of them said it is one of the first one Do you believe it is it is acceptable?

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It's a game right?

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Yeah, you have a lot

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to think about when you mentioned is the man who divorces his wife. Three times. Okay, I gotta ask someone.

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Yeah, well, my wife. So you compare it to what we call the borrowed mule?

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Because you bought a mule? And then you tell him that say

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what do you think you still believe the shaft A's are correct.

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Depends, as I told you now. Now again, there are many stories will lie you hear the banks what they do. One time, I'll tell you one story because I mean, we have lots of

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types of transactions we want to go through one time the man went to the bank, because usually this is what happens. It's on papers only. He goes to the bank and he tells them

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I need money. That's the I need money. I mean, that's so they tell you, we don't deal with Riba. But that's what we do. We will give you the transaction, you write down that you purchase this merchandise and you write down also that you sold it everything is done on papers on now to make it halaal you go and you tell them I need to possess. I need possession of this article of property this merchandise and I will sell it by myself. Now they told you no. That means they are playing games. What if they told you Yes, that means it is really hard, they are seeking the help.

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So one time a man told them I want to pay to take position and I will resell it again.

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token fine, okay right on the paper because the end the contract there is

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space where it says, you choose to

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own the merchandise and sell it by yourself. He said yes. on that item. So they told him, okay, it is there in that place and you go and you take it, and it's up to you. And the night, the amount that he agreed to take, it was already deposited in his bank.

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Next day he came, he said, What happened? You deposited the money, while I chose to sell the property and I did not sell anything yet. So I will go and resell it and to get more money.

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It happened automatically. They said, you know, 1000s of people came and no one chose to sell the merchandise himself. You're the first one. That's what's happened. Now, we will suspend the deposit, we will take it back and you go and you sell the property, the art the merchandise, he went and he wanted to sell it.

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He found out that it was half the price.

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half the price. So he wished if he did not do it, but if he did not do it, it becomes Riba according to the majority of scholars, according to the Chavez is not that's what's happening. Again, the car itself is there. But 20 people came the same day and they purchased the same car and they saw the same car.

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What do you think? Still?

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Is that I am bilena

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what octoman Jihad what the Battle of novel Baka Salat Allah Allah. Allah Allah and Zhu Li Amina Kiana

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in English after the class, no questions now.

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Of course, Allah is mentioning here that this is what will happen if you do this. If you do this allow me to humiliate you until the day of that.

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So so that means you cannot you cannot abandon jihad, once you abandon jihad, you will be humiliated. Is humiliation something good from Allah or something that that means when you do an arena, when you do an arena, that's what will happen? Even even the shafia is they they agreed on it, they say that's not the arena

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the arena is something else

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or they say it is not authentic Howdy.

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Now we mentioned that in principle all transactions are valid.

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In principle, the first principle that makes the transaction Haram is

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Riba, Reba. So how many major things that will make the transaction haram

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we have two major things or three, according to some scholars.

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One of them is Riba

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and that's what we mentioned. And the second one is deception.

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or if you say free, it will be deception and gambling. nicer myself some scholars separated

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some scholars add it so it is three or two

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I chose to include it so it is two. So we have usually Riba and we have deception which involves myself Kumar.

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Now again, I am telling you, these are the major principles. That means there are some types of of selling that are forbidden. But because something happened to the to the transaction itself something wrong with the transaction itself, like can you sell something you don't own?

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No, maybe it's not included in those two things. There is no naughty bit here. You are selling something without Riba. But you don't have it. The prophet SAW Selim forbade it separately. Can you sell the dead animal?

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No, the prophet SAW Selim forbade it. It's not it's not usually selling you that animal is not usually. And it's not deception. I want it I want it. I want this dead snake. I like that. No, it is haram. So but the major principles like most of the transactions that are forbidden, they go back to one of those two things, usually or deception. We talked about Usually, we said it is suitable for the ribbon ESEA now we will talk about deception.

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What do we mean by deception?

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What constitutes deception in financial transactions?

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When you understand the definition, then you will know what is forbidden and what is allowed.

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deception involves any type of transactions that has cheating

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it is forbidden if there is cheating

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you are deceiving.

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But again, what do we mean by that? What do we mean by deception

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anytrans transaction that you don't know whether you will gain or lose,

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you may gain and you may

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That's the deception in selling.

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Let's give you an example to clarify it.

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You paid $10

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they tell you this is lottery,

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you pay $10 whether you will get $1 million dollars or you will get

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Now, what are the possibilities here? What are your options? Whether you will gain or

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you will lose? This is deception. That's forbidden.

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Let's say

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you purchased

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t shirts,

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each one for $5 that's $50 you wanted to sell them for $8 $80 but something wrong happened and you sold them for $4. So you lost $10? You lost 20%? Isn't it the same here? Whether you gain or you will lose?

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The choice? No, no, no, it happened not because of something you did, but it happened. isn't all the transactions involve

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gain or lose?

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No, according to this definition, why? Even if you lost Didn't you get the merchandise. So, you got something

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the risk here is ignored. Because yes, we could say there is risk always but that risk

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is not like when you gain or lose. Here you are gaining something anyway, which is your merchandise. You took the merchandise you have it but he you will have nothing whether you will have everything or you will have What? Nothing. So there is a difference in transactions. That's very important when you define what is deception, so you'll understand what is forbidden and what is permitted.

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What are the types of selling that are prohibited because of this major principle because of deception. The prophet SAW Selim mentioned many examples, and we will mention a few of them because a lot and every day you could find many examples

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they will have sought or the stone selling What do you mean by that? Now Rasulullah sallallahu Sallam on May 8 Hassan Hassan means a stone

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you go

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to a

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real estate agent, they have the property 10 acres

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you have 10 acres and they tell you pay $20,000 you pay $20,000 for a piece of land, how big they give you stone they tell you through that stone and as far as it goes this will be your property.

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So your hand may be paralyzed and you cannot throw it or you may have machine gun or whatever and you throw it all the way at the end.

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What is this is this permitted?

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Is this permitted? It is deception here

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because you may get

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20 acres and you may get nothing.

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This is deception.

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when Anil mula masa

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Of course it has to be specific milanesa means touching.

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We don't describe what we will sell you but you can touch it.

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If you like it, that's it. That means maybe underneath there are many defects. You touched it. Is this permissible?

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No, a prophet SAW Selim forbidden

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and your Oh my lamb suka mahkamah novel. That's what they say. Just like you are blind and you touch by touch with we tell you by touch

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You touch it and you own it.

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This is also forbidden.

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questions later.

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Like in the

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future selling?

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Also it involves deception. Like what?

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Selling fruits before its likeness?

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You go

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to California, it's one of the big farms. 50 acres. 50 acres. How much approximately of apple trees? How much approximately to give you if you say 50 acres, that's like two tons of apple.

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That's what you estimate. But now, all what you have is what? apple trees there is no Apple fruit. It is still winter.

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So you tell the owner, this is $30,000 for

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the fruits.

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The half his day comes.

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And instead of getting two towns, you got five towns.

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Or instead of getting two towns you got 20 kilograms only.

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There was a severe weather

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or heat just like now they talked about it. It's extreme heat so they lost lots of their fruits.

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Is this allowed? No it is haram

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if you come and you pay $20,000 for 20 kilograms, that's fine for 200 kilograms, that's fine. But to tell them whatever comes what you don't know whatever comes maybe this will come and maybe nothing will come.

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Is this permissible? No. or selling what's in the womb of the cow?

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The cow is

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but you don't know

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is it the calf?

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Is it two or one wherever there is it then

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can you sell that? No There is deception here you may get nothing

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maybe the cow itself

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is killed or she died? The cow died and whatever in it died also you got nothing or you got more than what you expect to

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that changes the story. When you say I will I will purchase the cow. So he purchased the cow but you don't know what's coming. Maybe nothing will come.

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What's the description of that cow?

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Cow is female right? Maybe it delivered the male bull instead of cow. So you did not purchase a cow you purchase bull.

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Can you leave the questions later on?

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Write down your questions. Is this clear?

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Future selling with ignorance of what will come you don't know this is forbidden.

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Yeah you're guessing

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you are guessing again try to apply the rule here Do you know what you will get? Whether you will you will win or you will What? You will lose?

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gambling makes it

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this is a principle by itself or is included?

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Is gambling halal or haram?

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Why haram? Can we play poker?

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It involves skills. They consider it sport. I mean they write they they have tournaments for poker.

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Yeah. Why it's haram?

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Why? Let's It's nice.

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What will happen here basically,

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you know, unfortunately well I read I read some statistics some reports about the poker.

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Gambling in general. Do you know what is number one time consumer in the world?

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Number one time consuming in the world. Which which means what people

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6 billion or five? What occupies them most? Yes. TV, no. gambling.

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That's number one. Number one bank consumer in the world.

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That's a fact.

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You know there are people sit behind their computers 24 hours

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gambling, continuous.

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Do you know people, they lost their houses because of gambling. They lost everything they have. It's tragic. But they don't tell you this they show you that this one became millionaire this one got now they are it's growing and it's mushrooming. Now they have like this tournament

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in Las Vegas $10 million, the first prize?

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How they get $10 million?

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How they get it?

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Yes, you have to pay money to get in? How much you pay

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$10,000 to get in? And how many people?

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How many people?

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This year? I think 2000?

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Or more actually? 4000? Can you multiply 4000 times $10,000 $40 million? What's the first prize? $10 million, second prize, $5 million. third prize $2 million. And then they will give until 50. So they made they made the 100% profit. But out of what what did they do? Exactly?

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Did they do an effort?

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They got the TV involved? Yeah. Now here's what happened. Here's the tragic part. How many people got in 2000 or 4000?

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Out of those 4000 how many people will cash

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510 50 What about the remaining 3950 people?

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They have fun for two days right?

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They lost $10,000. That's the tragic part of gambling. You are paying money for nothing. Whether you get nothing or you get everything.

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So is gambling, halal or haram?

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What are the consequences of gambling? Allah mentioned that in the Quran. in the mail, you read the Shavasana and nukubati Nakula da ba ba humbug mais it y a su de commande de la masala. Satan is only intending to create animosity, hatred in your hearts through intoxications and gambling. And he intends to prevent you from remembrance of Allah subhanaw taala. And that's exactly what's happening. As I told you number one consumer.

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I was surprised because unfortunately there are many Muslims doing this. I came to know that there are many Muslims gambling.

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It is horrible.

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On the day of judgment, Allah will tell us that on 2006 the people spent most of their time in gambling.

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Number one consumer in the world was gambling.

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That's how much they lost and gambling.

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And they hate each other. I will hate you. I paid $10,000 I got nothing and you got $5 million.

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Would I like that?

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The same thing, the lottery, again the same thing.

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jackpot. They want 3 million $300 million. That was the biggest prize in the history of America. I believe it happened like last year or the year before. One man, he purchased a ticket for maybe $10. And he got how much $300 million. How they got this money. $300 million dollars. It came from all over America.

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Because believe me they paid $300 million, but they made other $300 million as well.

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And you may say it's only $10. Yeah, it's only $10. from you. It's $10 from him, it's sent out from him. That money if it was spent in development in useful things. The world itself will be changed. But you are spending it on gambling. 2 million people got nothing and one man got $300 million.

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The same thing when they tell you call

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or what you need is to call.

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How much do you pay per minute?

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Call them just call them. When you call how much per minute is spent when you call me?

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Yeah, 50 cents, that's the average right? 50 cents, 10 cents. They tell you $5 per minute, that's all just

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now they get $5 from you $5 from him $5 from her and then

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how much they accumulate

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millions and they pay

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They tell you, you will enter

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the lottery and maybe you will win.

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That's what they do. Is this halal? or haram?

00:30:13--> 00:30:24

Why? Yeah, I want to spend $5 that's not your business. Sometimes you know, it is it is the business of Islam that will destroy the society

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

that will create hatred. So again, sometimes your satisfaction is irrelevant.

00:30:33--> 00:30:39

You went to the market hgb Fiesta any type of grocery store,

00:30:40--> 00:30:41


00:30:43--> 00:30:44

you purchase coffee

00:30:46--> 00:30:51

Nescafe or anything? They told you. We will give you with the Nescafe

00:30:52--> 00:30:56

cup free. Is this permissible or prohibited?

00:31:00--> 00:31:02

you will you will purchase

00:31:03--> 00:31:10

coffee Nescafe. We will get with the coffee gift. Is this halal or haram?

00:31:13--> 00:31:16

allowed? Well depends not always.

00:31:17--> 00:31:21

What do they do usually? Or sometimes? How much is

00:31:22--> 00:31:23

the part of this cafe?

00:31:24--> 00:31:25

They can

00:31:26--> 00:31:29

$3 now they made it three and a half dollars.

00:31:33--> 00:31:40

There are charges so now is it a gift or not? Did you intend to purchase the gift or you intended to purchase that merchandise on?

00:31:42--> 00:31:55

So, there is a deception. The same thing with cart like you went to a dealership and you wanted to purchase a car they told you this is the price of the car. But if you pay $20 extra you will enter

00:31:57--> 00:31:58

a draw for for

00:32:00--> 00:32:02

sweepstake for the car another car?

00:32:03--> 00:32:04

Is this halal or haram?

00:32:06--> 00:32:12

It is gambling because you may win another car which is too much or you may lose your $20

00:32:14--> 00:32:15

is this halal or haram?

00:32:17--> 00:32:23

haram but if you go and that's the price and they give you anyway so again you are getting something in return.

00:32:25--> 00:32:26

You are getting something in return.

00:32:30--> 00:32:35

Is this clear about gambling the issue of gambling? Another issue related to it.

00:32:39--> 00:32:40


00:32:42--> 00:32:45

How about insurance? Is it halal or haram?

00:32:49--> 00:32:51

Okay, tell me what happens. Insurance what happens to

00:32:53--> 00:32:56

any auto insurance, health insurance what happens?

00:32:58--> 00:32:59

You pay your money.

00:33:02--> 00:33:12

If you get if you don't get an accident, you get nothing in return right? So you better get an accident or no. Insurance is for the other people.

00:33:13--> 00:33:16

Not only for you. When when one if you hit someone

00:33:18--> 00:33:19

what if you don't hit someone

00:33:22--> 00:33:26

The money is gone. applied the role here in this transaction.

00:33:27--> 00:33:31

The outcome was or the option was whether you gain or lose or not.

00:33:32--> 00:33:38

Are you getting any way any fit something or depends you may get something or you may get nothing.

00:33:39--> 00:33:41

Apply the rule that we talked about deception.

00:33:44--> 00:34:00

Exactly. It is the same thing. You are paying your money monthly your premium every month. And after two years, every month you are paying $200 every month. After two years how much you paid $5,000 approximately after two years

00:34:02--> 00:34:07

approximately $5,000 you did not have any accident everything was okay.

00:34:08--> 00:34:09

What did what happened to you?

00:34:11--> 00:34:15

You lost your money. You got nothing right? Or you paid the first month

00:34:16--> 00:34:21

$200 the second month, you had the big accident.

00:34:24--> 00:34:33

They paid you to fix your car. They paid you because you had the injury. They paid the lawyer. They paid you $60,000

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

what happens here?

00:34:39--> 00:34:40

You got lots of money.

00:34:43--> 00:34:46

See, so whether you get nothing or you get everything.

00:34:48--> 00:34:49

Is this halal or haram?

00:34:50--> 00:34:51

It is haram.

00:34:52--> 00:34:53

What about

00:34:57--> 00:35:00

that's not what we're talking about. It is illegal.

00:35:00--> 00:35:25

Illegal without insurance auto insurance. Now this is a different case. But in principle is it halal or haram is haram it is a sort of gambling it is a sort of gamble. The same thing with health insurance, health insurance, what do you do? You pay the same thing whether you get sick or you will not get anything. If you get sick, they will pay your bill which may come to $50,000

00:35:26--> 00:35:31

or you paid your money for nothing. You did not get anything in return.

00:35:33--> 00:35:45

Is this halal or haram? It is haram. But the question now when people ask, can we have insurance or not? The question is not is it halal or haram? It is haram. But is there? Is there

00:35:47--> 00:36:11

an urgency here? So we say you better get insurance? In some cases? Yes, actually, there is. Because you may get in trouble. And you may pay all your savings, all your money and you're not fixed. So that's a different issue. But in principle, it is haram, look at Islamic tells you Islam tells you if you want to pay something, you pay it option. So now it is a charity.

00:36:12--> 00:36:22

Because you know your money will go only for the needy people, we say this is collective insurance, what do you mean by that? Whatever you want to pay, you will pay

00:36:23--> 00:36:27

this is a charity. Now there is nothing forces you to pay.

00:36:29--> 00:36:35

So you may pay 50 or you may pay 200. And at the end who will get the money.

00:36:36--> 00:36:38

They need the people people only,

00:36:39--> 00:36:40

which is better.

00:36:41--> 00:36:43

That's what Islam tells you.

00:36:44--> 00:37:15

First, you will get reward from Allah subhanaw taala. And people, they will pay more, we want to reward unfortunately, usually nowadays people will never pay Oh, we don't have to pay will not be a law tells them to pay 2.5% they don't pay the IRS tells them to pay the tax they pay 8% 9%. But what the Muslim should be is he should pay more for for for charity. And then the money will not go to companies they will stack money and money and it will not go to the phony people

00:37:16--> 00:37:21

who are faking the accident to get more money, it will only go to the people who are in need.

00:37:22--> 00:37:52

See, that's what Islam tells you. Nowadays, our problem we're thinking only of it is necessity. We have to do it. Why don't you come with alternative Islam did not forbid anything without producing the alternative. That's the alternative. The same thing with mortgage now we talked about mortgage but we never talked about the alternative. Because unfortunately many Muslims they are talking as or thinking as consumers, why don't you think as provider? Why don't you establish your own housing company.

00:37:54--> 00:37:58

But it needs like it needs some money needs capital.

00:37:59--> 00:38:02

If 100 people came, each one paid $10,000

00:38:03--> 00:38:04

This is how much?

00:38:11--> 00:38:15

1 million? How many houses can you build for 1 million

00:38:18--> 00:38:19

rather than $50,000?

00:38:21--> 00:38:29

tiny houses average or average? What if you sold these houses the first year? How much you'll get

00:38:31--> 00:38:41

50% then you purchased another housing and other houses and you gave out of those 100 people you gave five of them houses.

00:38:44--> 00:38:52

You put you purchased other houses within 10 years. I guarantee you all 100 people will get houses and they will make profits.

00:38:54--> 00:38:58

Why don't we do it because we don't think as providers.

00:38:59--> 00:39:05

As owners we think only as consumers that's what everybody is doing. You make money you please Allah subhanaw taala

00:39:06--> 00:39:07

and you have a house

00:39:09--> 00:39:18

but that's why I really don't believe it is a necessity. Everybody was saying no, Allah Allah will ask us there are many people who have lots of money Mashallah.

00:39:21--> 00:39:28

But we have ego selfishness, we're thinking only about ourselves. That's it. That's what everybody is doing. I'll do

00:39:31--> 00:39:33

that there are many things dividing us.

00:39:34--> 00:39:40

Otherwise this problem should be eliminated. As I told you give me $2 million and I will start inshallah

00:39:44--> 00:39:45


00:39:47--> 00:39:49

Now, we have another issue

00:39:51--> 00:39:54

in transactions, the right of option in sale.

00:39:57--> 00:39:59

Actually, I prefer to stop here. I will stop hearing shall

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

Because I'm pretty sure maybe you have some questions.

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

Go ahead.

00:40:07--> 00:40:08

Stocks, what about

00:40:09--> 00:40:45

stocks, stocks, in principle what you are doing in stocks, I'm buying shares in companies not knowing if they're gonna win or lose, you are buying shares of companies, you don't know if it's going to win or lose, because I don't work for the company, you don't work right what you own it right. So you own part of the company. In principle, this is held in principle, as long as the company is not involved in haram transactions, like pork company, B, your company. If it's like selling laptops, these things, it doesn't evolve, it should be how and why you are purchasing part of this company.

00:40:46--> 00:40:54

But what happens is this, you are not purchasing, sharing, or you're purchasing share of the company. You want to gamble with these stocks.

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

Once it goes up what you will do, you will sell what it got once it goes down.

00:41:02--> 00:41:03

You will buy?

00:41:04--> 00:41:09

Right? That's why I believe if that's that's what you're doing. It should be Haram.

00:41:10--> 00:41:12

Because it's just like gambling.

00:41:14--> 00:41:17

If you study that this company is going to do

00:41:18--> 00:41:55

good for the next six months. Yeah. And then you go buy $50,000 worth of stocks. Yeah, with the intention that you're selling in six months. In the coming year, that's fine. That's fine, because you can purchase something and you intend to sell it later. But here you are, you are owning something you own share of this company, what is happening on daily basis, they sell three times and they purchase again. Many times. That's why the price fluctuates like horrible. Every day, like one day. Google an example. Maybe two years ago, it was very cheap.

00:41:56--> 00:42:01

Now, now, yeah, now it is approximately $350.

00:42:03--> 00:42:18

Why? Once they announced there is a new service, the price goes up. So you are not really buying something. It's just estimates it's so that's why in principle, I say it is halon but with this intention that you are really gambling with your stock. I cannot say this Hello.

00:42:20--> 00:42:34

The sales equal? Well, that's that's a good thing when they prohibit daily sale total to eliminate this kind of games, then go for it actually hurts the company itself. Yeah.

00:42:35--> 00:42:36


00:42:39--> 00:42:39


00:42:41--> 00:42:49

selling by auction, do you think that when you go to an apartment complex, we think if you go and look at this apartment,

00:42:50--> 00:42:57

that you'll get that deal for $700 a month if you if we take you on a tour, you'll get to $700 a month.

00:42:58--> 00:43:04

But if you do not take the tour then you will not or you won't get that break. So as you walk in the door Oh, very nice.

00:43:05--> 00:43:06

You get the deal.

00:43:07--> 00:43:19

Again, when you go and get that deal, you go for a tour. Yeah, why they they cut off like this amount of money. They want to prevent you from seeing other things.

00:43:21--> 00:43:48

Or this is a plus thing like you will purchase or you will have the rent anyway but if you do this in extra, we will drop or we will give you extra discount which you did not lose anyway. Apply the rule apply the rule Did you get gain anyway and this was bonus or now with this tool? Maybe you will lose you will not know what's happening or you will gain you will have this discount. Apply the rule I believe it's simple.

00:43:51--> 00:43:52

The prophet SAW Allah mention

00:43:54--> 00:43:55

selling like

00:43:56--> 00:44:08

lentils we when he came to a man he was selling the Prophet hustler put his hand and he found it is wet inside. He asked the owner What is this he said O Messenger of Allah

00:44:10--> 00:44:14

rain came and it made it with he said show it to people

00:44:15--> 00:44:21

whoever cheats is not of us that's cheating. Why? Because you see and you think all the merchandise is like this

00:44:23--> 00:44:36

many Muslims unfortunately they do that. of the top you find the fruit Mashallah big, tasty, it looks nice. But that's only the top, whatever. Underneath is horrible. That's haram that's deception.

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


00:44:48--> 00:45:00

If company gives stocks to you, you take it. As I told you in principle, you take stocks, why not? stocks in general as settled in principle stocks means money because it is as

00:45:00--> 00:45:07

If you are paying to own this thing, so, instead of owning physical thing you own shares

00:45:08--> 00:45:09


00:45:18--> 00:45:34

based on research again Even this research many times what you estimate does not happen in reality and you end up losing why because your intention was not to own your intention was to gamble this will go up maybe it doesn't go up

00:45:35--> 00:45:57

like many people expected Google to add a new service once they it will be added the price will go up something wrong happened and they did not add this thing you purchased on the intention that this will be added. So, I believe here it involves intention and the prophet SAW Selim taught us and the rules of Islam that you take precautions

00:46:00--> 00:46:01


00:46:05--> 00:46:09

If you beat me in this race, and you have to

00:46:10--> 00:46:11

treat me to dinner,

00:46:12--> 00:46:21

okay, I will do right I mean, I will not have to pay for the dinner If you win, if I win

00:46:24--> 00:46:36

okay. So, it is lose or gain situation. So, you cannot, but if they tell you if you win we will give you this and if you lose we will not give you anything, it is halon

00:46:38--> 00:46:41

because here you have safety which is not paying anything or gain.

00:46:42--> 00:46:44

But gain lose situation.

00:46:47--> 00:46:50

Because he whether you will pay or they will pay Right.

00:46:54--> 00:46:57

Yeah. bidding we will it will be mentioned Yes.

00:47:13--> 00:47:14


00:47:21--> 00:47:45

Yeah, it is okay. Now, they are charging you for pizza and coke. They tell you Coke is free, but they charge you extra. So you got the coke. What is forbidden? When when the pizza is for $10. And the Coke is for $2. So total is what 12? They tell you pizza for $14 and Coke is free. What did they do? They charge you for pizza for coke and for extra.

00:47:46--> 00:48:01

That's cheating. But if you get the pizza, and it's a little bit extra because of the clock even if there's a three here again apply the rule is it gain lose situation or gain gain gain nothing situation that's the thing.

00:48:02--> 00:48:04

So here it is permissible.

00:48:07--> 00:48:08


00:48:13--> 00:48:20

bidding is different. bidding is different. And here in that situation in particular it was not bidding.

00:48:21--> 00:48:23

scholar said Did he bid

00:48:25--> 00:48:28

Baccarat on the ayah says

00:48:29--> 00:48:32

the Roman Empire will overcome they will win

00:48:33--> 00:48:38

within many years. Do you bid on Allah? Allah says or you're certain

00:48:39--> 00:48:40

it's not bidding.

00:48:42--> 00:48:43

Do you doubt what the law says?

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

Do you doubt?

00:48:52--> 00:48:55

Well, how? That's the question how you get certainty?

00:49:01--> 00:49:09

Depends. This is one answer. First this was not bidding. The second thing the prophet SAW Allah forbid later on because remember when did this happen?

00:49:10--> 00:49:25

It happened in Mecca early early in the early stages, but in Medina there were many things offseason and forbade one of them is bidding. bidding. It's different when when there is a third party when there are horses involved.

00:49:29--> 00:49:30

Okay, that's it.

00:49:35--> 00:49:36

I mean, yes.

00:49:38--> 00:49:42

The concept, okay. You need $200

00:49:44--> 00:49:50

but no one will give you cash. So you go and you purchase something for $200

00:49:52--> 00:49:59

and you agree with them that you don't pay them now you don't have the money you will pay them every month $10 when you tell them I want to return

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

to you again.

00:50:02--> 00:50:05

So you give them back and they give you $180 cash.

00:50:07--> 00:50:08

So you left With what?

00:50:10--> 00:50:13

With cash, but you owe them how much

00:50:14--> 00:50:21

200 that's the inner you purchase something and you resell it to the same person

00:50:22--> 00:50:25

with later payments and you get the cash

00:50:26--> 00:50:27


00:50:32--> 00:50:33

they want to make profit

00:50:41--> 00:50:47

because that's the thing from the beginning. If you go to them and you tell them I want $200 I'll pay you back $200 no one will do that.

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

So they put something in the middle

00:50:53--> 00:50:54

Okay good.

00:51:02--> 00:51:05

Interest coming to the bank, in general.

00:51:06--> 00:51:24

In general, Allah subhanaw taala said whether Roma documentary by fear Allah and leave whatever is from River. That means you don't take it once you take it, so you took river, whether you paid for the masquerades for poor people, for for anyone, you already took it, so you deserve the punishment.

00:51:26--> 00:51:32

That's the principle. However, some scholars said especially in our situation here, if you don't take the money, what will happen?

00:51:34--> 00:51:43

It goes to charity, it goes to places where maybe Muslims are killed, it may be goes to churches where they are printing

00:51:44--> 00:52:01

Bible preaching for Trinity. So in that situation, you take it not because it is permissible, but it is the lesser evil. So I suggest here in the Western countries, take it and spend it on things like electricity like

00:52:02--> 00:52:12

inanimate objects, but in principle, you should not take it from the beginning. Tell them I don't want interest and you can if you have checking account, you will never get interest.

00:52:17--> 00:52:18


00:52:19--> 00:52:22

We will stop here inshallah Salaam Alaikum