Channel: Isam Rajab
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Welcome to this
demand just announced.
So we have some people come in.
Because you're, you're able to find the depth.
Usually first time people are like we couldn't find it.
So finally you're able to find it, okay?
A lot of soldiers reminded us
that everything belongs to them.
Now, this includes, as well. So our approach as Muslims should be from the beginning different from what they perform, when it comes to wealth, when it comes to money, when it comes to everything, why
is it so that they know what to whom emanuela
give them the money of Allah that He gave.
This is essential, because it makes a world of difference when I know that the money I have is not mine.
It is not mine, it belongs to allies.
How it is, it belongs to a lot, yet I have a lot of soldier Give it to me as an
as a trust.
it belongs to Allah Subhana Allah that.
Therefore, whatever I do with it, I will be asked about, it's not totally mine, the kufan However, they don't have this. That's why from the beginning, it should be different. When we approach the concept of money when we talk about money,
we have to remember that it belongs to Allah.
And in the Hadith of the Prophet sallallahu wasallam. He said,
the feet of the son of Adam will not be moved, will not be taken either to paradise or to hellfire.
Unless he's until he's asked about four things.
One of the questions is about the two part question. Where did you get it from and how you spoke.
So if it is totally mine, when we say this is my money, I can do whatever I want with it. Why then you will be asked about it on the Day of Judgment. Where did you get it from? And how you spent it. That's why the profits are awesome. I'm saying the poor immigrants, the poor of the country will enter Japan half a day before the rich of the contents.
And half a day with a wise old Yogi's how many years
One day with the Lord is 1000 years. So after
500 years, why they will enter ahead 500 years because of the simple fact that they will be asked Where did you get the money from and how you spend it? Where did you get this money from and how you spend it. But if you get the poor, they don't have any money. Now, of course, I'm not saying by all means, I'm not saying that we should be poor. This is a misconception. Unfortunately, you may find some speeches where people are encouraging people to be poor, no, never Islam, encourage people to be poor. I will talk about this. Yes, you need to be simple. You need to live a simple life, even if you have billions. But it doesn't mean that you don't get money. That's the misconception that many
Also another important thing, the profits of sentences, and may not have been the sum of
the two parties, the buyer and the seller, they have the choice, the choice of finalizing the sale or canceling it as long as they didn't separate.
Once I like something, you'll have an SKU to sell it to me and you agree to sell it to me and I pay you the price. Initially this should be finalized and that's it, no refund, no return. But as long as we are in the same place, we still have the option of returning the item.
Now the point here is what in business they tell you satisfaction is the commodity that businesses are looking for. Once the customer is satisfied we achieved what he is the profits our system says via mail.
The two parties the seller and the buyer, they have the option as long as they don't separate.
That's the point of the video.
Why I'm mentioning our banana if they told the truth and explained everything, they didn't hide any defect, Boudica bless their transaction.
And that's the key. You're not only dealing with someone in front of you, even if he's happy. That's the main thing is Alonzo john happy?
So, a lot of soldier reminded us that this money does not belong to us, it belongs to Allah.
What am people how many times
have the money that Allah gave you, the man rasa, Takuma. Therefore, always be mindful of a surgeon, even if the customer is happy, and that's why we have a lot of transactions in slack are prohibited. Even if you say well, you know what,
I'm, I'm okay with it. I'm fine. They are the ones who are charging me interest. So I'm the one who is losing on fine now, even if you are fine Alliance, which is not fine.
Once it is great, whether you are okay with it, or you're not, you cannot do it. The slab looks for both parties, not only for one. So this is the main important point number one, number two.
In Islam, it is always better to work than ask.
It is always better to work. And so when people say how can I get the Baraka? How can I increase my wealth? One simple fact is try always to work for your earnings. What does that mean? What if you got some money without even asking? Now people will ask, they may be eligible to ask. And that's why we have recipients of zakat. They deserve there's a cap. We have soccer which is part of the pillars of Islam. And there are recipients who deserve that money. Once your money is subject to soccer, that's not even your money anymore. It belongs to the poor. But when you are able to work, even if the money came to you without asking it is better to work. Why? I'll give you two examples. One
he was rich.
He left and migrated to Medina and he left everything. The Prophet sallallahu Sallam was looking for a suitable match for African family who comes from Mecca to find a suitable match for Medina to establish the brother. So the province of Alliance Allah
gave birth to Southern Nevada.
sat in the lobby, I was very rich. So he told the province owner he told the apartment now it is my money, they can form it.
Ask for it. No. Is it okay to take this money? Of course, money you didn't ask for it. It is offered for you. I mean, in our time who would refuse that? But I said no. Not because it is haram or it is not permissible, but because after a half an hour for the unhappy spirit of riches, even without money, he was switching Mecca. He lost his money, he came to Medina still he has the spirit of riches. So he said one famous statement. Show me the marketplace.
I will go and I Will
you die. How much money did he leave?
He left 100
he left the huge wealth. Why? Because he worked for them. He earned the money. So even if the money is coming to you easy way you can work it's always better to work.
Another example at the time of the province of Milan.
A young companion came what is the youth he can ask him for money. And always in Islam. We encourage
development, we encourage work instead of being dependent. So
this man is able to work.
Why would he ask so he asked him
Do you have anything at home? He said yes.
a piece of cloth. We spread it and sometimes we get covered with it.
And we have also a cup he said Bring them
he brought so the profits are seldom auction goes off the auction that when you study had they and they were sold for two days. Now profits had one he was able to give him from the money of the seller about one
Yes, you are
recipients, you could be eligible for taking money. But if you are able to work to earn that money while you take it like that, so he told him
go and buy with one gallon, some food for your family, they didn't have food. So he went and he bought, then he told him with the other didn't bring the sharp metal edge. And he went, and he brought that,
you know, the axe, the upper part, like if you have a hammer or axe or anything sharp, the upper part. So the prophet SAW Selim himself took a stick and tied it with it, he told him fake, go to the woods, and cut the woods and don't come back until 15 days pass. I don't want to see you until 15 days.
And the man went after 15 days came. So I asked him, he said, I have endurance.
He could have gotten back in one day, the professor could have given him that in one thing, but he told him this is better.
This is better for you. So we need to think like that. If I can make the money, why would I accept?
Always Islam encourages being the upper hand, not the lower and
the upper hand is the hand that gives as long as you can be the upper hand do it. This is why actually even this that we noticed we announced the dimension box, right? Even this, I mean, here at least I told the brothers, our staff, that normal we don't want this because you see organizations, Islamic organizations, please donate please help me until one. So you ask yourself until when? Where is that money going?
What What will you be self sufficient? One piece of advice I didn't take three years ago when we started. And I regret that now actually, because one of the brothers Mashallah, he's
one of the well established business people, he told me increase the prices,
you charge 1500 charges us, I told him, people are already complaining, he said there will always be people complaining, you increase the price, whatever cannot pay, you will have.
But this way, you are self dependent. You don't depend on anyone, you are self sufficient. And that was suppose that I mean, that's the way to go.
now you will help. Tomorrow.
It's totally different. When I come to someone and I asked him, please help me. Yeah, we are Muslims. And we should help one another. He was he is 100, free. Next day, I come and I say, please help me, okay, fine.
We'll help you, thank
you, you'll be tired. So until one, if you depend on people, there will be a time when you will not have anyone to help you.
So try always to be the operator,
if you can even buy something cheap and sell it. And that difference. That's much better for you.
And this is
the way to go. I
have a lot on this companion from the unsolved. And there are many other examples. And here's a question for you, because this happened here. And I heard that from some of the fathers, one of the brothers, he was working as an engineer, or he had his own business. And then something happened and he had to close down. So now he is unemployed.
The savings that he had depleted, they are gone. Now what do you do? Do you accept to work for 30% of what you were making? Or you wait until you are able
to go back? like to have a grant from a bank? Or to have a partner with big capital? What is
some brothers? For now? It has been almost an hour, seven months.
No more. And they are waiting for that opportunity. What would you tell them? What would you do if you are in that position? You have a small business
and it's it's close that you are making, let's say every month to 20,000
Very good. But in business, it's always continuation it is not.
That's why over 70% of new businesses, they closed them within the first few years. Most likely once you make it after three years inshallah you will continue Muslim
So what do you think? brothers and sisters? The question I'm asking if
this happened to you. So that will not happen. Everyone would wish that his business grows and increases. But suddenly something happened that you had to close down? Would you be willing to work instead of the 20,000 of the 15,000, you're making for 2000
or you wait for few months, until you find another opportunity with 20 or 30,000.
can be difficult because imagine for one year or two years, you are making that much every month. So you established a certain lifestyle.
Would you be able to adjust and go down like leave all the toys, all the gadgets?
So let's take a shot.
First option work.
Second option, and then
I will tell you a story.
Again, left, Miko is nothing. Almost all the immigrants The minute he left Mecca with nothing came to Medina. Any of them are one says Assad but also the
prophet SAW Selim was in need, and they wanted to help him. course and it didn't add anything even without that he gave
was nothing. So he went to find a work.
What did he do? We found the Jewish man with a wealth of water.
So he asked him if he has a work and he said yes, you go down to well fill the bucket and bring it home. Okay, what is the wage could look
for every packet on the
one day? So what did he do? He went down 17 times
17 times. I don't think any one of us can do every given set.
So he went back to the
17 minutes of the agile, he asked him to choose Jewish men to choose.
Eventually what happened to him, he became the helicopter.
So the same thing this is I mean, some people will say I just have a lifestyle, it's very hard for me to go down. And practically Yes, it's very difficult and maybe not possible. But I would say work.
You applied for jobs, you waited, don't just wait you found another job work until this job calls you back.
But you keep waiting maybe this chance will never come What do you do? You find yourself later full of that.
So, waiting is not an option. Why? Because again, this is the example from
another important principle when we talk about
and this goes back to the first point the money belongs to a larger soldier as long as it belongs to Allah azza wa jal keep a certain portion to
keep a certain portion to Allah.
How What is that? You will learn every month
he part of it immediately from the
No no, I base Yes.
This is different. Don't you want the Baraka?
zeca it's purification. What here this is something higher but
and the Baraka is the blessing the increments.
So, keep a portion from the guy who is on the savings not on the income. You on the other hand, you want the money to increase keep a portion for
for the income that you make. I have children yes I will have children you have expenses, you have school you have rent you have this you have that. You have a lot so to keep the surface portions and see how long you bless your business. I have I mean, I couldn't have made the entirety of this. To show you exactly
who all of you went for all
It doesn't matter. At least you've been to Macau or Medina or even gender. Have you need to make
the restaurant with the fried chicken.
Who didn't? Do you think your online is perfect
What is the story of this restaurant?
The father now he passed away right? Now the children are the ones who are running this the Father. So the most selling meal, which is half chicken for 10 years. From day one, he put aside one react from every one we add
A lot. So just listen to him in a way that you all see. There is a secret why Albert is so popular.
Now he died, his children, what did they do? They increased the materials. And that's why it keeps going. On the other hand, I don't want to mention other competitors, because I'm not making a commercial free advertisement for them. But this is the reality. The minute they saw that their business is flourishing, and people are coming, they increase the price away from their own until now it didn't change after 20 years with it, but I still remember 20 years ago, it's the same price that we
have such as chicken meals and meals, other businesses, they started with them. The minute they saw people coming coming, which became Nigerians.
They didn't compare that to what the laws are just told us.
In law, Bellona home can add Alona as high value gentleman, if someone is willing when
you saw the second Surah of the 29th, just after about Allah. So that tells us the story of those three people.
They own a farm.
They own the land that belonged to their father.
Their father kept a portion for the poor and the needy.
They came after his death. And they said no, that's a waste of money. So what did they do? Last?
One molesters come they will cut off, no one will take from you want to take up? What is that? So what happened upon Friday?
It's what it was all gone.
It was all God.
Whatever belongs to Allah will never decrease.
Unfortunately, many children, they inherit the business of their father. And what happens? They feel that their father is an old man, he has an old style now. There is technology. Now there are new ways. Yes, true. They change and things.
Why? Because of the simple fact that something that father did belong to Allah. They didn't.
There was one doctor, they study a lot from one of the speakers in Syria. Any patient comes to him and pays the money. He didn't have a secretary or he had a system for the money. The payment was given to him directly. He had two drawers, one drawer, he puts money and another drawer puts
the speaker who speaks he was visiting him. So he was sitting next to him for a few hours. And he noticed that he is putting into drawers. And then the patient came, didn't pay anything. So he opened one of the drawers he took and
he said what's the story of those two drawers? He told him, I never reject any patient.
Anyone who needs medication comes and everyone who comes I keep a portion for alas. So whenever someone comes, who cannot pay who can't afford it.
So we need these examples in our time. It's very sad that we look at the farm. And they are becoming role models. They tend to look how generous is Bill Gates. He paid $27 million for his foundation.
Bill and Melinda Gates, look at Warren Buffett. He also donated half of his wealth and he is encouraging other billionaires to do the same thing. Well, guess what? There was no one more generous than the profits of
no one. You companions of the Prophet SAW Selim. They didn't wait until they die. So they would request that their wealth to be spent in their lifetime. Abubakar, the one he gave up on this one.
And the professor said and asked him, What did you leave for your family? He said, I left a line
on one of the alarm on how much he gave half of his money.
Not once or twice, many times. They did that as men of the law. And so you look at
Then, and you look at us, we have a hard time. You know what it's like the money is that that I cannot spend, you know, you want to spend it and then you think of many other
payments that you have pending. So
keep a certain portion for a loss. And see how the
one thing we have the kuffar don't have is the God.
When you ask Allah subhana wa
bless you risk your provision to increase it.
provide for you from where you don't realize, you don't think you don't plan. Because no matter how much you plan, you put on paper, I want this I want this always you find that allies the best of times, this is something that we don't have, yet we find the most other beta allows billionaires. So
make learn to realize
you are in debt. You need someone to help you there is no better help.
And the way is actually to give something even when you are
when the profits are certain levels as a use for the party.
What type of charity is best products or services?
To give what is the best type of charity is to give when you are in need?
This is the field that many people don't do I am in need. So I wait any chance to take no because you are in need. And you remember that others also are also in need you give
Allah says in silicon Bella
V Masada to give in a day of famine. When everyone is increasing the price it is a chance to double the profit. No, that's
the year of famine during Amaro de la Mama was an entire caravan came to us.
And the business people were waiting. Everyone wanted to purchase that caravan Why? They make profit? So they asked us man how much you want?
How much you want profit 100% 200% 300%?
Up to 600%? He said no, there is someone will give you more.
So when they reach six times
they told him who came before us. We are the first ones you said the last soldier this entire caravan.
And he gave it all
because not a lot of news. Never. But who would think like that. So when you are in need, that's the best time to give.
You don't have to give everything we're not asking you to. But remember that as a lot of you need. That's when you give that love to charity and that's when the monster
so make documents because a lot is
whatever you plan whatever you do you work the paycheck at the end of the month. That's not the one who's giving it your boss, allies, your boss, your company, your business. This is all means
one of the greats you in the past century.
He was he was the highest of the chain of narrators
from the city of camps,
he his student is telling the story because he heard that from the shift director. He was in that
was in need of money because he was anyone who comes wanting to be or
being a guest youth hostel. He was very generous. He was making only 2000
how much the net, it was 11,000
imagine five times the salary that you make. So if you save five months, you don't spend anything. You are unable to pay everything. You are still in debt.
So the grocer next door, that's the one that he owes me because whenever he need, he needed cheese, milk, food. It's for him. So he came and he gave him this
the list of the debts totaling 11,000
I was worried anyone would be worried. Because look at the number. It's huge. It's accumulated. It's how do you pay?
So he was pretty.
And his habit to shave. His habit was that he would pray during the night to review the brand. Because during the day, you open the phone and you want to review someone comes interrupts. So he kept the night for the sake of he was just praying. After he finished the first dollar kind of emulate, the phone rang. At that time, it was very rare to receive a phone call, especially during that time, especially during dinner. So he said, How can I help you? They said, We want to come. We are coming from Saudi Arabia. We are establishing a new university. And we heard that you have a unique library. You have unique books about Iran, about your submissions.
So he said, Can you wait until tomorrow? They said, No, we want to know. He said welcome come. They came during the night.
They checked the library. They said we want to buy it.
We want to buy your books, and the payment cash how much they pay the 100,000.
At that time, this is equivalent to millions now.
They gave him cash 100,000. In the morning, he went to the grocer how much he paid him back the 11,000 that table how much was left at 9000.
Why? Because of during the knife that allows agendas.
So remember that Allah subhanaw taala? is this?
How would it be possible for someone who's praying to Allah to help him while he is earning from how
to bless your risk? How long is never an option? Never.
Whatever you are in doubt, it's better to avoid it. It's better, because maybe it is right, maybe it isn't.
But harm is never an option. So you say I will take interest and then I will clean it later. No, that's never an option. But what's the alternative? There are many of them. You just need to look for terracotta
there are projects regarding cops, there are problems regarding houses. I actually shared some of those with with people because it's very sad that a young man who just graduated who's 23 years old is 25 or even 30. who cannot afford paying upfront the type price for a house has to go through interest or any other option where it's labeled as Islamic, but in reality it is. So what is the alternative that is what you just need to look for.
taking interest in
is never an option in Islam. Stealing is never an option. Cheating is never an option. Gambling is never an option. You want the lives of Jeff to bless your money to bless your risk. That's the way to go.
They tell you stories about winners of lottery tickets, those who hit the jackpot, when was the last time you heard of established business was based on them never read their stories they tell you they take pictures once they receive the money but see what happens when many of them committed suicide. One of them I learned that and somehow it struck a chord. He said the worst thing happened to me in my life winning that one because it's from how long and something that you didn't work for it.
So karate is never an option. Yes, everyone likes to have money easily and if it is haram stay away from
because a lot will never
happen long river a lot destroys when you miss
a lot of rows the check.
finally I want to conclude with a last
tip that will help increasing the bar being moderate.
moderation is always the way to go for
the profits on the line somebody says no
one was moderate will never be
you make 100 You don't have to spend all the 100
let alone spending 120. Like some people you are making 3000 ringgit on why the line of your your expenses is extreme.
Getting in your car, debit or even credit? That's another story 5000? Where will you get this money from? Why would you make that much do not spend unless you have the money to cover it?
So you're making 3000?
What's the average suspend?
Now when you have an option? I'm not saying that if you have children, you don't have school? You have to define that. No. But there are people, they make a certain amount, and they spend over that amount. So they are in there. And the next month, yeah. What do you expect?
The moderate allies reminded us? What is the advantage? Oh, cuckoo. Let me Shut up. That's even if you are grateful, I will increase.
But you've met that much. And you keep wanting more then allies of interest you you were waiting for a promotion, you got the promotion, then you want more, you want more what happens allows you to take all that for me, you will not get
backed up to 100. Now for the long time that I mentioned, one time he received guests.
So the guests were sitting,
hoping for something that he would give to them, as it was the practice becoming custom to you have guests. So you offer them something. And they notice that he is speaking the following days, the days that fail that no one will be
they will actually take them and treat them the animals.
So they notice that he's picking those things. So they were shocked. They said,
Imagine what we will get if he's like that. They thought that he is very stingy, very cheap. So when he came, he gave me the plate of the best dates. So they were shocked. They said, How far are the two actions of you here? you collected those dates, and now you are presenting to us the best things. He said, I'm only able to do that because I'm doing this.
I don't leave anything on the table.
Your family has more right to it. The poor people has more to it. So don't overspend be
one of the
That's the way 10 years ago,
he established one of the most successful charitable organizations.
Because he inherited money from his father. And he grew that one he opened other businesses and from that business, he opened this. So his friend was telling this story that I'm going to tell you, they were
going for lunch, I forgot. So his friend, the chef was telling the story. He said we entered to a shop where he wanted to buy apples. And they asked how much is it? He said five years? So he left him and went. The other one we asked him how much is it? He said for years he bought from
so he bought it from the second one. Why? Because it was cheaper, how much one way and then he taught him at the same trip. He told me I don't want you to go to your
to your place. Come with me. I want you to be one of the witnesses. He said, Look, this is what he said, I want you to witness what I'm going to do because I knew so he went and he endowed two buildings in
two buildings became more for the sake of Allah. Each one is over millions of years. So the shed was shocked. He told him, You just bargained for one rehab you bought from this insidious. That's what the Muslims should do. If you are able to take your opponent what they are cheaper, why not?
So he took it from there, but at the same time he gave millions for the sake of Allah
and he died.
So we will all die, but this mentioning will be remembered.
as a soldier and be motivated, when you are like that.
the Baraka to increase, count,
otherwise, you come to an interview.
This is your first time here. First time
Yeah, that's worse than you were last
week I was about to finish.
So that's, that's what I have to
increase our risk. And then the last.
Because in Islam, one important thing is not about the quantity. It's not about how much you make, it is about
the buck, the quality
is everything, not only money, when it comes to your ADA, Allah says, Allah does not
pass. It is he who created this and life to test you who's better, that was more simply with money.
You rarely find someone with billions and he's happy.
But someone who who's rich, who's not that wealthy, they are enjoying the money. So it's not about how much you make it is about what you can enjoy. That's why the Prophet sallallahu Sallam said, and by that I mean, and we'll be off the subject, my friend
who told me for Canada,
he who sleeps at his, at his face with his people.
Healthy in his mind,
having his provision for the day, it is as if he owned the entire entire domain. Because even if you have 10 diagnoses, you can only stay at one of them at once, you cannot say at all, so over to you.
But imagine someone who owns them, but cannot stay at any one of them. Why that one, there is a risk that one there is an earthquake, that one, he has had this in another country. So it is about how many people we have stories of people who spent their entire life their entire wealth to own something. And once they own it, they never got the time to enjoy it.
So it is not about what you make or how much you make it is about what you can use what you can enjoy.
And that's blessing from Allah subhana wa Tada.
There are buildings locked. No one entered that why people didn't have fun to enjoy.
So as a white soldier, for the burqa, where you will be able to enjoy and enjoying meaning that you don't focus on the amount, the quantity, you focus on the quality.
There is a story of one man
who was fishing.
And a new graduate with MBA came next to him and told him what are you doing? He said, as you see, I'm fishing. So he told him
what he said, I
enjoy my time with my wife.
And that's he said, This place is one of the best places to fish. Why don't you increase the hours
and then have more fish. So you get more money.
Not only the one that you need, but you sell some and you hire some people
assistance, they will help you. So you franchise that and you become a very big
entrepreneur. He said okay, and then what he said and then you get to enjoy your life and then you get to spend time. Yeah. And you get to go to your wife. He said exactly. That's what I'm doing now.
Sometimes it is sad that your circle of life for 30 years and you end up where you started. And you didn't realize
so Pamela you see in the street especially so most people who pray are the
one well they have time. What about you? What do you mean you have been there 24 hours or more than 24 hours now I know I have to go to work I have nothing comes before
you put the bat
us. You put your money first you put your Lumia First, you will always be in this rat race. Always
look at people just look at people in the morning when they want. It is jammed. It's a big parking lot. And then
Alas, those are the ones for you at that time to be praying
to be in the bed. That's what you should be doing. But what do we do? Just like a shoe
It was a smaller size. And he wanted to take parts of his foot to make it.
No one does that. But that's what we are doing with our risk. Alliance, though just told you this time, you don't have to be there for data.
So whatever you tried to do, it will not work. The solution, just like one who bought the shoe is to exchange it with a bigger size, not to change your foot. But that's what many of us are doing.
Because whatever you do, your risk is determined.
alized said Buffy Santa, it is a coupon that
allows a job guaranteed for you to risk. So if it's guaranteed, then why do we work, we work to get what is guaranteed.
But we don't
ignore and neglect the canons of loss.
So you want the Baraka, just like karate is never an option, also, leaving the commands of Allah soldier. That's never an option.
So this is what I have in Alonzo church, among those who listen to the guidance, and follow the rest of his life.
We have about 15 minutes for q&a. And then we will pray.
I'm actually a founder of
essence for this, this sister is asking about drop shipping, drop shipping, correct me if I'm wrong, because
you are working on acting as the connecting point.
All what you need. All your capital, all your businesses established could be just a website, where you advertise merchandise for people. And the customers, they check your website, and they buy from you. You don't have the product. So your job is what is to connect them from the place.
Is that pretty much what they want? Is it?
Yes, that's how you make money. This is how one of the I mean, one of the largest businesses, actually the largest e commerce company in the world, Amazon, that's how it started.
Amazon didn't sell everything. They have so many things they didn't have. I think the same thing Alibaba and the other big companies. So what's the issue here? The Prophet sallallahu Sallam said,
he told him
do not sell what you don't have. What you don't have Why? Because you see you are in a circle. And I as a customer, I paid money.
And you're supposed to give me in exchange the product that I paid for. But you don't have the product, you are acting as an agent as a connecting point, or what do you call drop shipping. So you sent a notification to that and we paid the money and you keep the commission the extra money that you what happens sometimes is this. Now you are based on what you post. The item is there. So the customer paid the money. So you sent the notification but the source, the business doesn't have that which was marketing. You already took the money now what happens? Actually, this happened to me one time I was traveling, and my daughter wanted to buy a new cover up for a phone. So I bought it
online. And they usually overnight the delivery, so I paid the money because she wanted that specific one. I get the money and
next day I was hoping that it will come and then I received the notification that it's not available. So if it is not available, why we took the money, okay, give me back the money. The money will be returned to three days at this. I at that time. So Pamela I didn't have anything
at all, so I couldn't get it, I wanted that exact thing. And I couldn't get because I was traveling the next day. So this could happen. That's the only issue with it that when you are doing this, when you're doing this, you're selling what you don't have the prophet SAW, Selim said, No. Now, the solution here is what? Now, some, some people try to work around this.
And I tell you, this is not for me what
I need to subtract because I haven't checked on it for one actually, if you are guaranteed that it is there, and there is no risk on the customer, where the money will be refunded in reasonable time, then allow them that there is no risk. So it is because the issue why the profits are set up.
In Islam, it is prohibited to take the money for no reason.
The profits are set up for certain types of sale. Like you go to a farmer. And this happens here, some people don't, that they want to purchase beforehand, because it is cheap, you own 20 trees of doing. So you estimate that they will produce that much. So before they are even right before before you go to the farmer and you tell him use the money and everything is mine. And they are happy because they don't have to work. They don't have to collect, he will do all that. What if something happened a flop or an earthquake or anything? And so the prophet SAW Selim said,
Do you see a lot with help the fruit? On what basis you take the money of your book?
So Islam, this is the same thing the prophet SAW said I'm saying like,
Do not wait for the people who are coming from out of town to sell their things. Do not wait for them at the outskirts of the city to offer them cheaper price,
even though that would be nice, no, let them come see how the market works. And let them do Why? Because it would be deception for them or for the other businessman. So there are certain transactions and why slam always looks for both sides, the buyer and the seller. So if you are a seller, you want to make profit. But what if you aren't?
there is a way inshallah
This is one of the things that
I've been thinking about.
Well, even even if you do this, even if you do this,
it's not a loss. Why? Because you don't want to be in doubt. One of the most famous athletes in the world.
Is NBA champion basketball champion twice.
When they asked him, What is your favorite? I have no problem. He said,
All you who believe if you feel Allah, Allah will make criteria for you. And that's what we need. The prophets are set up to
show us what is right as right and grant us following it. Not just knowing what is right from wrong, many people know, what can I do in my business? What is what? What my boss told me? No, no, this is right, and you're doing. So you feel even though maybe there is doubt what you're going to get compensated for.
One thing I hope that we can come up with, like this example, when I don't have to sacrifice the profits.
Whenever he forbade something, or mentioned that something's really, he would always give an alternative.
And that's the same thing in transactions. And unfortunately, we see people they say, is this a lot of
like, do I have to go for interest for the back for mortgage, or I have to be renting for the rest of my life? Why we limit our options into why isn't there a third option which is valid, but still will allow you to? So we need to look for those alternatives. That's the job of Islam, not only just pretend that this is harmonious
She is. She's the agent for the seller.
So she's not claiming that she's got the goods as the customer he just wants
to work on directly. So as long as
She's not claiming she's got her.
She's just acting as an agent, why the customer didn't go straight to the seller.
Because there are many agents. Exactly. The customer at the end of the day, he wants his merchandise. He wants what he paid.
Okay. And the seller, this is what happens, the seller cannot reach out to everyone. So that's where the role of the agents come. Because they take some
profit. And they benefit the seller. He sold. So everyone is
doesn't matter what whether she claimed or she didn't claim. I as a customer, I didn't
take any example I can become an example, if
you didn't get what you paid for. You will go to the seller you will you will deal with because it's the one that's acting as an agent.
You sort of
take possession of it.
Yeah, that's that's the way to go. If you don't have possession that says, Are you allowed? Initially? That's what you thought.
But there has to be a way I will, I will, I will see what the federal law is. And how is the alternative? Because now it's becoming
the most successful business? Yeah. But just because it is common doesn't mean that.
well, as a buyer, you you are paying for an item. Now, actually, sometimes it's better to go through this. Like if you go straight to the seller, you are not guaranteed that you will get the protection, the warranty or this. So sometimes Actually, it's even better to go through
and sometimes cheaper. So
I used to give an example for our students when they're expanding into transactions. And this is what we need, because we are taking examples from the time of the practice. And but what about now, there is a government website, I don't know if you heard of it, it's called Priceline. This works mainly in America and the Priceline, you want to stay at the hotel. So you choose the area, like Anaheim, California, and you choose the general amenities or the star rating, like you want it to be three Star Wars. So they tell you put the price and that's where the name came from.
So you say I want for three nights, the total is 120. They tell you the average night per thermometer for this hotel, the average price per night is 100. But you wanted 120 for all three nights. So you say that's the amount I'm going to pay. You put your details and everything and you accept the payment, then they tell you whether the payment is accepted or not. They didn't tell you yet the name of the hotel or where exactly is.
So let me tell you the prices accepted or the price is not accepted. You have to increase. Now there is a risk that you get the hotel you didn't want. Because you don't know what you asked for the general things in Islam, generally, deception is prohibited. And this could be kind of deception. But again, I was we were discussing this. And the opinion was that this deception is minor and it is accepted. Why? Because as long as you got because you got the area, not specifically the location in the street. But
you're not going to get it in banking, or somewhere you asked for.
You asked for three stars sometimes actually get higher than that. So these new things that are happening, there has to be federal for it. And if it's how long what is
because sometimes you are not allowed to pay and you're not allowed to see. Sometimes you're allowed to pay what you're not allowed to use. Sometimes you're allowed to receive what you're not allowed to pay.
Sometimes it's really important. So in this case, let's say the federal law
In the evidence says that you cannot act as
those who are acting as agents, we are giving them our money. So
in this case,
what we should ask about having the account in a conventional bank, because they deal with interest.
It's better, just because adding a word Islamic at the beginning doesn't make Islam general. Now the credit counts the solution, the alternative, I don't know that works because for us foreigners, that's the only option, which is the best option. It's called secured or fixed deposit. So you have to put the money upfront.
So there is no risk of paying interest. So if that's the case, it's permissible, but what about if you have a credit card? And in the contract, it states that you are if you are late, you're going to pay interest. So then it becomes but as you said, Now, I never did that I always pay upfront, I have my bill, are you making sure that so in this case, the condition as a
condition of the stipulation that there is interest as if it is nothing.
But there is an opinion says it doesn't matter whether it happened to you or didn't happen, because you don't get it
as long as there is this condition the contract itself is not permissible.
I would say I would say if you are able to have extra deposit the secured credit card debts, if you're not as long as you are paying without any late fees without any interest in shabbats
same question on
we will pay for it
we will wait until the dress is done this is this is called Islam and scope is now custom made they will not I mean they have standard items, but because of the different size because of a different style we want. So, they will not make
unless you request it and you will not pay for it unless it is made. So what is the way to do it because it is flat future sales are not allowed future sales where you pay later and you receive later there is a huge risk.
What do you do scholars allowed this how do you pay up front a certain amount
once it is done, you receive it and you pay the rent.
Although initially it was not allowed, but scholars allowed because they said this is something like almost necessity. So this one's
perfect example when we
Yes. So normally they will ask.
Yes, because again, so we should choose to make the positive?
No, actually, if you make full payment, this becomes like seller, or seller, where we pay upfront. And you receive the merchandise later. That's
the issue here is what now the risk is on the seller. Because if you pay partial thing, okay? And then you never came, which happens sometimes the seller what you asked for it, no one else wants this one. But you didn't come so they need to get it. Now on the other hand, you made the payment, but it wasn't as requested. So what happens? So that's why you need to look at both sides. For the seller. It's not fair for him or her to make something that no one will buy except for you and you don't care. So that's why they need to pay for you. On the other hand, you wanted something special, you didn't want something else. So
but you are afraid that it won't be what you requested. So the best thing is to pay partial payment. And once you get it you pay interest. This initially was not allowed.
But then it became like unanimous consensus that this is allowed because
otherwise many benefits would be would not be
Now the questions
so I'm extending Yeah. Yeah.
if somebody is earnings,
then you should not even accept an invitation.
If there is this is an option, yes, you would avoid it Why? Because now in in banks, there are many departments, it is a convention, but there is a department where it has nothing to do with with money, for instance, so here there is still a huge portion that is not coming from.
But if they are the ones who are enforcing the conditions and this river, then it could be all their earnings. So in this case, if you are invited,
their earnings are,
what does that mean that what they prefer
to present to you?
This is one of the issues that scholars discuss. Because, again, just like as I said, sometimes it's prohibited for you to pay for to be allowed to receive
profits are cinemas prohibited to take Santa Maria. She received something
and she was cooking. That was charity, it was donated to her. So the prophet SAW Selim told her to put something for him. She said, No, it is set up and you cannot be he said, You are giving me a gift. So for me, it's a gift.
So it could be the same thing, but the
other scholars would avoid that.
Now do they have to know but this is what we call
the kuffar all their earnings is from
someone who owns a farm.
So his earnings is how he came to you. You sell plants, you plant plants, and you plant them and you sell them. So he paid you the money.
his money is from how I'm not fine, but this is legal transaction.
So the chain of the transaction changes the
That's different also, this goes back to the tanning, tanning.
tanning would it purify everything almost
all animals, all animals if the leather is tanned scarification
scholars differ in the Shafi school of thought nothing purifies. So it remains how why rites? And some other scholars said it is because the process of them said generally, he didn't exclude anything. Neither does not ignore anything. So you can
force them. You have I mean, you have all the animals Why would you choose that?
The Hanafi school of thought they use in some medications they allow
say the hair is very strong.
As I said, there are always alternatives.
I have an idea. I have an idea but I don't have the money. Okay. So the way to go is what we call a partnership. This is going to
allow its partnership where one side comes up with the money the other side comes up with the work and
and it becomes a partnership.
So you don't have to
borrow money and pay that money with interest.
Why? Now many people don't understand why it's time for baby there is no prohibition in his time unless there is a reason without the closest example of it is the pure juice. When you say I have pure juice, but it's not enough.
I have five guests and I have only one cup of pure juice. So do you do to fit all of them. You actually
What if you keep adding water until you have five cups? So that's enough? Yeah, but it's not true. That's exactly what's happening with money. And that's why from time to time you have crisis because of it, so I don't have the money and I need the way to do it. Islam encouraged us when something like that
what the ratio is based on what you agree it's permissible. So it could be 50 5060 3070. Okay, so it could also be,
if he agrees, is the percentage,
which is the essence of
of the contract.
That is the determining factor.
If I come up with the money, and you say, since I'm doing all dog, I want 80% or 90%. That's fine. But usually people
do it because their benchmark is banks interest rates. Now, there is a problem with banks that don't do development. That's the problem banks, all they do, they give money and take back money. If banks were really Islamic banks, they would have done many useful things. The only real example that I saw in Saudi Arabia, or rajarshi, that's their what they do, like you want a car, they don't have their own cars, they buy and they put you on the house, they have houses. So it is real. But the banks, now conventional banks, they don't care if you had a house or car, whatever it is, they care that you took money from them, you have to pay back money with interest, how and where they don't care.
That's it. And that's the problem. There is no reward.
So in Islam, the results will be as I mentioned this now for those people who have
I didn't say it's allowed, but the ratio would not be necessarily 100% power.
Because it's still the money that they are paid, where is it coming from?
It's coming from the back
it's better of course, it's better not to work in convention,
because definitely there will be different
if you work in an electricity company, and they told you that today the electricity that you're going to go back
when it is what
it is about,
it is about the forgiveness and erasing or remain
and sometimes a good deed
is considered say in exchange
retribution that is another
what I love to do it even though it is bad,
so, the dum dum is what what is marked as a sin say yeah is margin it could be sin or it could not be
what is recorded
could be a sin could be that act Sicily marked in your record as
you have the question
I used to do that I try to stay okay.
the bargaining itself it's not about asking for a lesser price. Now when you go to someone and you tell him how much is it and he says 10 and you say no, no. 810 is a lot. That's actually not allowed.
Allowed suggested what the customer says shall
Do not belittle what people have the bargaining that is allowed when you want to buy it for a utility? How much is it the new system? And you say, can you sell it for eight?
He accepts you by he doesn't accept you. You find it somewhere else for a job. That's permissible. But there are people who say, No, no, I won't reduce the price for me. Okay, no, no, no, no, no.
It became very common that I know people will bargain so from the beginning, I don't give them the real price I increase because no matter what, it shouldn't be like that.
Yes, of course, of course, we pay huge amounts for people that do like a car or a form of this. We don't ask how much and we come to this poor guy who is making very little and we start
you can you can do both. It's more specific. where sometimes you cannot even act
because it's it's more official. It doesn't have to be it doesn't have to
like there is a portion 10% of actually that are churches where the mandate from the members you come to the church 10% that's that's the fear so is the number in
Islam we don't have number see ratios or ratio for best practices of pushing for a lot? Well, again, it's up to you. We don't charge a lot
that sounds like a slap never taxes people for what they need because what if you make 1 million and we spend
is on what you save? reaching the threshold afternoon.
So it might be called the general
if it's for a woman, yeah, the problem is,
problem is us woman and force you will have to