Islamic Solutions to Fianacial Difficulties
Channel: Isam Rajab
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Emily's scale on the individual scale, and we always hope that tomorrow will be better. But we see in the near future that things are actually getting more and more difficult. So what do we do? This is what I will try to
focus on in the talk today inshallah, when it comes to money, but before I start, there is an essential part that we have to start with as an introduction, because we as Muslims, whether it's money, whether it's dealings, whether it is relationships, this all comes under one frame, the frame of our religion, everything is regulated in our religion, including money. So the perception of money in Islam is different from the perception that the kuffaar have, that the West have.
Alonzo Joel reminded us with that in the Quran in Surah Surah no Surah 24. In Ayah 33 Allah azza wa jal says,
to whom Allah He levy attacks
they consider the money they have is theirs. It's my money I can do whatever I want.
I am very rich, so I can burn the bill.
I can tear it apart. I can throw it in Islam. No, you cannot do that. Why this is not yours. No, I earned it. Yes, you did earn it but it's not yours belongs to Allah. as everything else also belongs to Allah. You belong to Lhasa gel your parts if someone says I want to sell my kidney, you cannot, doesn't belong to you. It's a manner from Allah azza wa jal, the same thing when it comes to money, what to whom Melilla Levy, give them of the money of Allah. So whose money it is? It's a lot of money, which he gave you. And to emphasize that the Prophet sallallahu Sallam said
lentinula Kadima at the Newman chiamata use Allah and Allah on the Day of Judgment. The feet of the son of Adam, will not be moved will not be taken to paradise or Hellfire until he's asked about four things.
twice, you'll be asked about money in a neck, the Saba Hall of Fame and forgot how you earned your money and how you spend it. If it's totally yours,
you don't have to be asked about it. It's mine. I can do whatever I want with it. No, it's not yours.
This element is essentially, why because the kuffar the non Muslims, they don't have that. I got this It's mine. I can do whatever I want with it. No, for us Muslims, with every penny we earn. With every penny we spend, we have to ask ourselves is Alonzo gel.
pleased with that?
Is Alonzo gel happy with it?
And that's why the Prophet sallallahu Sallam said,
I'll be available here. Malamute Baraka, Hakeem, even his anger of the alarm on one of the companions, he used to, he was a businessman and he used to trade. So the Prophet sallallahu Sallam reminded him that the buyer and the seller they have the option, as long as they are in the same gathering. They have the option of canceling the transaction or finalizing it. Because in principle, if I like something you have, I like this pen. Would you sell it to me? Yes, I would sell it to you. How much would you pay for it?
During it, okay.
I got the pen. Then after a few minutes You said you know what? I changed my mind. I'm still writing so I need the pen. I cannot say no. cell is finalized. Why we are still in the same gathering. And maybe it will here millimeter ferrata. That's what the process Salim said. The point in this hadith is what prophet SAW Selim said after that fat in soda verbena, if they told the truth and clarified borik alhama. They will be blessed.
This is something you don't hear in business blessing.
What's the meaning of blessing abundance? We have a lot of people they make money, but it vanishes. Some people make 20,000 bring it and they are in that other people they make 5000 bring it and they save from that money. And they almost both of them they have almost the same expenses. How is it possible? There is an element blessing
is your risk your provision is it blessing. So the Baraka This is something you don't hear in business lecture.
Or workshops, but in Islam It is essential. Why? Because everything is from where it is from Allah.
in normal day, in normal world, in secular world,
you are happy. That's it. satisfaction is the commodity. That's what they market. For us. They tell us satisfaction is the commodity of the transaction, as long as the customer is satisfied, that's it. Well, what if I satisfied him by hiding the truth? In Islam, you cannot do that. That's why the prophet SAW Selim said what? For al sadaqa. You see the the texts, the Quran and Sunnah texts are endless about that, and I'm just giving you an idea. Why because this is very important. This is essential.
Our understanding of money is totally different from the Godfather.
You cannot hide anything. You cannot cheat. As the prophet SAW. Selim said, Man, Russia, felice, Amina II who cheats is not of us.
If you are in that
you should pay as soon as possible. You don't need someone
chasing you off, calling you day in and day out just to pay back the debt. No, because the Prophet sallallahu Sallam said mclogan even delaying the pain for the one who's capable of that's injustice.
So when you are in debt,
you borrowed money from me. And you promised me to pay by the end of the month, the end of the month came
you're able to pay but you didn't pay or he didn't ask. I don't have to ask you agreed to pay at the end of the month but you didn't pay, you are able to pay you didn't. You are committing a major sin.
When is a major sin. That's what the prophet SAW. Selim said, this hadith is authentic. Since I am Muslim McClung, honey, delaying the pain of
the one who's capable of his injustice. Now, if you cannot pay, that's a different story. You see how Islam always encourages everyone
to focus on not just what belongs to you what is due. But the other extra factor, which is S and with Baraka, there is also what, those are two elements you don't have in the western dealings. So one is when you are willing to go an extra step. This is mine, no, this is mine. No, let's go to court. And the judge will decide, yes, the judge will decide but if I know that the judge will rule based on the evidence, and I know that the evidence which I have is not true. The judge doesn't know. I know. And the judge judge based on the evidence, which I know is not true. But anyways, he judged it and then I go to people I say I have a verdict from the judge. It's my land. Well that
helped me know, in front of Allah azza wa jal, it will not help me here in dunya. Yes, it might help, but not with Allah azza wa jal. So nowadays, people forgot totally about remembering alized origin, that there is a day you will stand before Allah azza wa jal, and you will be asked about everything. This is really annoying. Tintin, could you please at least turn it on silent because it's six times already?
One time, the Prophet sallallahu alayhi wa sallam
heard two people disputing outside about a piece of land. And usually that's what happens. You see people in the masjid you see people praying and you say Mashallah, they are religious. Only when you deal with them. When it comes to money, then you notice they are totally different. And it shouldn't be like that, because money is part of who we are as Muslims. It shouldn't change us. So the prophet SAW Selim heard two people disputing he came out and he said, Oh, people, your dispute, and I am a human being. So based on what I hear, based on the evidence, I judge,
and I'm a human being, I may make a mistake, whoever I give him the right of someone else, based on what I heard, based on what I saw, he shouldn't take it when he knows it's not his, because on the Day of Judgment, that would not help him because I'm only giving him a piece of fire. Let him take it or leave it
immediately. The two companions
who heard that? What did they do? They were just disputing. Everyone told the other ticket. I don't want it. The other said, No, no, no, you take it. You see how it is different? In our time? We don't have this. How much would you sell this? 500 I offer you 400 only, okay.
Because I need the money. You see, I made a good deal. I was able to take it for 400 although it's worth 600 if you are a true Muslim, you wouldn't do that. Why? He was okay. He was okay. Yes, but you shouldn't be okay. Why? That's what our religion is teaching us. jerrell even Abdullah allegedly of the law one, he says Diana Rasulullah sallallahu alayhi wa sallam, Allah subhana wa I gave the pledge of allegiance to the Prophet sallallahu Sallam to obey and listen. When news licola Muslim and to give
sincere sincerity to be sincere to every Muslim to be advising.
What does that mean? Why he said this Hadith, especially the last part, one knows Haleakala Muslim, because Jerry Roger Lohan one time he
commissioned his servant, he gave him money, he told him go and buy for me a horse. He went and he came back with the horse. It's just like you tell your worker to buy you a car? How much was it? 500. Okay, he rode the horse. And then he told him, where is the seller? Take me to the seller. So the the agent, his his servant thought that he did something wrong. Is there anything wrong? He said, No, no, just take me to the seller. He went to the seller. So he told him you sold this for 500? He said yes. He said here is 100 extra
100 extra? Yes. Okay, it's easy money. Why would I say no, he took 100 extra. Then Jerry rhodiola. Han, rode the horse again. And then again came back. And he gave him 200 extra. So now it became what? 800 instead of 600? Or instead of the original 500. So the men looked at him. He thought this man is crazy. He's just giving me extra money. He said, Don't I know what you are thinking? This is. And that's when he said they had this oneness. Haleakala Muslim, if I'm a true Muslim, I have to be sincere to you. This horse is worth 800. So even if you are okay for selling it for 500, I'm not okay for taking it for that.
I wouldn't wait until I take advantage of you
who do that in our time? So when you talk about that this is something that no one talks about in our time, because how much can you make money? Look at all business workshops and seminars, look at websites, even the famous ones, LinkedIn and other they are almost always
they tell you, when when but basically what they are telling is you build your own success. How could it be helpful if my own success was at the expense of other people's failure?
How would I be okay, when 500 people applied for the job and only one took it? What about the other 499 I should be looking for the rest. That's what Islam focused on from the beginning from day one, as none of the other one. So this is again, I know I'm telling you things that usually you don't hear, but that's the reality. This is how you face the difficulties because if you are always trying to take more and the time is more difficult and when you want more.
You want to be able to overcome the difficulties because sometimes doing less is the answer. Not doing more. Eliza gel created us and tested us as he said in Surah Al mulk ayah to Olivia hola como tal Hayato a blue Akuma eucom
He it is he who
created this and life to test you who is better not who is more, sometimes to focus on something which is less, but giving you a better return is much better.
As matter of the law, one was a businessman. He understood the concept of money very well before Islam and after Islam. He was very rich, how much rich multimillionaire
because on one time in one occasion, he gave what is in our time estimated as 4 million ringgit
in one occasion, who would be able to give in donation 4 million ringgit
in one time and that was
Not all his money unlike abubaker I work long gave up all his money as metal de la Han gave 4000 dinars
each dinar you know now dinar is worth 4.25 grams of gold.
And that's roughly we're talking about roughly 1000 ringgit per one dinar. So you multiply 1000 times 4000. You get the so that's not the law one and the time of famine
during the time of Amara, the law one at the year 18 of Hydra. Ramadan was the halifa year 18 of withdraw, it was a famine, no rain, no harvest, people are hungry. People are stealing. As a businessman, I don't focus on raising the price. There are some people that's how they think it's time now seize the opportunity. Yeah, I
was able to seize the opportunity, but what opportunity to please Allah azza wa jal
and that time when everyone was trying to keep what he has manipulate what he has to get more, he received an entire caravan
was able to sustain the food in entire Medina.
So people came to him, the merchants came to him offering him on the spot 100% profit. Why? Because they are able to make more profit. We buy it from you for 100% profit, and we sell it for more than that 200% profit he refused 300% profit he refused. Imagine on the dollar. He's able to make $2 or three or four or five or six until 600%. And he refused. He said I was paid more. Then they said come on. What are you saying it just arrived and we are the first ones to come and offer you profit? He said Allah azza wa jal offered me 10 times. This entire caravan is for the Muslims free.
who think like that?
You think it was an exceptional example? No, actually, this was the norm of the companions. Were you sirona Allah and fusa him Hello, can I be him? kasasa that's how Allah azza wa jal prays the answer
in sort of,
sort of 59
Throne Allah emphysema, la Vina tipo de Lima min problem bonamana hotjar la Well, I didn't get an email to when the immigrants came to Medina the Prophet sallallahu Sallam Abu Bakr, Omar Osman, and all the companions are they all they came with nothing.
So what did the answer say? Oh, those are refugees. They are taking our jobs. Oh, no.
They prefer them over themselves, even though they themselves were in need. They weren't that rich. They didn't have five and they gave half? No, they had maybe two and out of the two they gave one.
That was the norm in Medina. And that's why they deserve the praise of Allah azza wa jal. Have you ever heard that one of them was in need? That one of them begged after that? No, it wasn't once or twice or three times. Never ever it was heard that the companions of the Prophet SAW said Mr. Messenger of Allah, we're tired, come on every few months, every few years, every few occasions you tell us to give to give Come on. It was never heard, because they knew that this is part of our religion, and our religion, organized our entire life. Our religion is not only when we come here for a small talk, and then we leave and that's it know, our religion, organized everything, how we
sell how we buy, how we wake up, how we sleep, how we eat and everything. So
when it comes to
all that is fine. Okay, but this is not what I really came here for.
I didn't come here to listen for a few reminders about being righteous, I want to make money,
how to make money.
Okay, here are few tips.
Those are from experts.
And I will limit them to only few because, again, you could hear from people over 10 or 20 or 50. It doesn't matter. What matters is what suits you and what are you able to implement? Because even if we talk for hours and then nothing is implementable? What's the use? Yeah, we enjoyed the talk and then we left and nothing happened. No.
Never ever work in something you don't like.
One do not work in something you do not like.
How many people studied? Because that was the only option available?
How many people studied because it was the wish of their parents
Oh, but though are my parents true, you don't want to go against them. But at the same time, you don't want to lose your life, you're only going to live one life here in this dunya. So you better make the best of it.
I know some people that come to me. And unfortunately, this is something we don't train our children, they should be able to figure out what they want from early age. Ask your child, six years old, seven years old? Yes. Ask him or her? What do you want to be in the future? I want to be a doctor good. Why? ask why? There are some professions that will disappear. By the time they graduate, they disappear.
So what do you want to be in the future? And why?
I know some youth they graduated, they finished even a level and then only then they started asking what should I do for a life for living? Where should I study? Should I go there? Should I go here?
this is too late. But you know what? teenagers, they tend to change their mind. Yes, let them change their mind. That's fine. Actually, this is even better experience. It's free. Because later any experience they have, it will not be free. I'm saying this because some youth they came to me. And they were asking.
We were having dialogue, one of them. He wasted three years of his life. Why? Because he couldn't figure
what is best for him.
About 10 years ago, there was a hike in MBA, I want MBA, and they want this and and that was true at the time. So he went for studying business administration, in the hopes that later he would get MBA. Why? Because most companies are hiring. And most executives, they have what MBA Master of Business Administration, now actually, the largest companies in the world. They don't stipulate having any college degree.
They are smart, you don't have even a college degree. As long as you are able to pass the interview, as long as you are able to do the job. That's it. That's all that matters. Amazon, Google, Microsoft, and other companies, they don't stipulate college degree anymore.
You need to be able to cope with this change the old mentality that you have to have a degree, this is not going to work. Believe me, if you are training your child who is now six, seven years old, to be a driver, or even a pilot, it's too late because by the time within 10 to 15 years, there will be no drivers, there are certain jobs that are going to disappear.
So work in something you like
something that you chose, not people chose for you. Okay, but I don't know what I like, Well, here is a simple way to find out
30 years from now,
when you feel like you are approaching to your death, you're going to enter the grave with you go back and say Alhamdulillah that this is what I chose for my life.
If yes, then that's good. If you say no, I wish I did this, then now is the time to change. Do not waste a single minute.
why I'm saying this, I know again, some people they say what I like is this. I love this profession. But there is simply not enough job offerings. There isn't any openings available. And therefore I went for that job. And it's making me more money. Yes, you see, you may make more money. But will you be happy? No.
Because if you don't work in something you love, you'll not be creative. You will not be able or even willing to give it more. But and I tell this is part of my own experience. I always tell my colleagues, the sheeo the brothers who come and teach. We're not just simply workers. We are messengers. We carry a message.
If you only come at nine o'clock because that's what the time you'll have to come, and you leave at five o'clock because that's the time you can leave. And you wait until it's five just to leave, then Believe me, this is not the life that you want for yourself.
I know one of the CO. Zola here he is very creative and very active.
His organization, NGO, is the best in the country that he works in, without naming any countries in Kuwait.
it's so successful that the government there they are seeking his help. by profession, he is a chemical engineer. He is a chemical engineer by profession, but he is the head of organization for rehab. For people who are addicted, he takes them in. And they are rehabilitated. Soon after that. He was so successful that the government is adopting his programs. When he was asked
you have you carry a degree, mechanical engineering, chemical engineering, I'm sorry. And on the other hand, the auto ship, he says yes, this is what I like to do. And that's no wonder that's why he's creative. And he's very successful. When What about this, why you studied why you studied four years of your life. He said, that was the wish of my father, I didn't want to go against him. So he didn't want to upset his father. But once his father died, immediately he switched. Because he wasn't enjoying that. How many people like that? So again,
this is for our youth, for our children. If you retired, it's still a no, but if you are, and unfortunately in the West, they teach that to the children, they have a free session almost every week, to see what they are creative in what they want to be in the future. We don't have that we wait until we graduate and only then we sit we start thinking once we finish high school, we start thinking what do we want to do know, you should have a plan early on. Not too early, but at least you have a plan.
Don't force your children to do something because you did it. Maybe at your time it was okay. But their time is different. The time is changing very fast. many professions have changed, the largest
taxi company in the world does not own a single cab car. Largest accommodating company in the world does not own a single hotel.
this is the world that we are living in. Now. If you are unable to cope with these changes, then you will be left behind. So this is Principle number one, work in something you love.
You like yes, we are governed by opportunities. We're governed by environment are governed by the circumstances. But make sure that
30 years from now, you go back and you don't regret a single day. Why? Because you enjoy every single moment.
Doing what you are doing.
You cannot imagine yourself doing something else. That's where you want to be. That's number one. Number two, focus on the income.
The revenue. What does that mean? Isn't that everyone doing what everyone is doing? Know?
Imagine hiring a new manager, a new CEO
to accompany which is suffering losses.
Immediately this manager this CEO, what would he do?
understandably, he will try to focus on where are those expenses and how can we reduce them? What do you think yes or no?
After all, no one wants to waste money. And that's expected. But the creative manager is not the one who focuses on the expenses, no one who focuses on what the income because as long as you have more than what you spend than what
you are in the positive. But if you only focus on the expenses, even if you are able to cut them down to zero, and you don't have any income, what did he do?
Unfortunately, many people that's how they think.
The West they are very smart in marketing. That's why they don't mind spending a lot of money. After all, the commodity that they present to you is very simple. It's very cheap. Then why it is expensive because of all the money they put in marketing. So they want to get that back in return.
I tell you prices 10 years ago so now definitely they
changed. I was shocked when I heard that they sell commercials per second.
A commercial on TV that lasts for 30 seconds. How much do you think it costs?
The event that is mostly watched in the States is the Super Bowl.
the second for 90,000 US dollars.
You know what that means? That means the commercial of 30 seconds is sold for how much $2.7 million?
Imagine paying $2.7
million, just for what?
And by the way, they don't just sell you one commercial, you have to buy a package. And they give you a discount you buy for 30 seconds for 10 million $10 million,
honestly. So they, you'd say that's crazy. No, it's not crazy, because they spent $10 million, and they know they are able to get $100 million. If they didn't spend that much they will not earn. So focus on
average people they focus on what
the cost the expenses. Again, I'm not saying you waste money. No. It's never condemned in Islam. in Malmo, Vienna can was one a share thing. You don't overspend, you don't waste money. But as long as your income is more than you are on the side.
That's number two. Number three, make achievement.
The objective? Not the effort.
Make the achievement the objective? Not the effort. Because many people focus on what the effort? What did you do? You punched in the car for starting your jump at nine o'clock. Good. And you punched out the card? Again, at five o'clock. You left? Good between nine and five? What did you do nothing.
As a business owner, you want your employees to be there physically, or you want them to achieve? Personally, I have a staff.
there not many maximum, we had six people at one time. Now we have only two full time and two part time on we have a small team. But I rather than coming
anytime they want leaving anytime they want as long as they achieve.
If I keep pushing this wall for 10 hours, will I be able to push it?
For 20 hours? I won't do anything. I sweat. I lost calories. I was exhausted. That's effort. But that's not achievement production. Where is the production?
Unfortunately, some people they live in the mentality of the past. You have to come at that time. And
yes, there is a frame general frame of work through.
I don't want to open everything and allow them to come any time and leave them because then they will take advantage of that. The main thing is what achievement? What did they achieve? Did they produce something?
Did they give something useful? Or they are just they're there in day out and then nothing happened? So this is the third important principle.
Focus on what the objective should be what? achievement production, not effort.
There are people who are making 10 times the effort that you're making. But at the end of the day, did they do anything?
It depends. So these are three essential principles. And by the way, those are not from me, actually, these are from a book. I summarized an entire book in those three principles, the book called Big Bucks.
Okay, what I have from my experience, what I can give you is
number one, you can add to those three principles also.
Think of continuation and growth.
Today, you may get tense
1000 that's a lot of money. But tomorrow, you're not going to get anything.
Some people, that's how they think, get in, get out, make money, and that's it. No, that's not how life works.
continuation. Two years from now, five years from now, 10 years from now, our religion, this is what it teaches us.
Whether it is in a battle, or in transaction.
The Prophet sallahu wa sallam reminded us that when we die, our deeds will stop. Only smart people would think of deeds will continue even after the death. Like now, we mentioned some scholars who died over 1000 years ago, but we still mentioned their name and we still say Rahim Allah we still pray for them, and they still get hasnat.
Can you do that with money?
When you sit and people are making money for you,
instead of you making the effort, so focus on what growth continuation of the law one, as the Prophet sallallahu Sallam he told him on messenger of Allah.
I earned a lot a piece of land, more precious than it I've never earned. This is the most precious money I've earned. What do you advise me to do with it? This was after high bar in year seven of Israel. So the prophet SAW Selim told him she had bested US law, what does the doctor be similar? If you want keep the asset, keep the length.
Most people they tell you give it all. You get the reward? Yes, you get the reward, but you get the reward only once. While the prophet SAW said and what did he tell Mr. de la when he told him keep the land? donate? What? The fruit? So what will happen?
The fruit is generating
has an ad for you every single year.
And that's what Ramadan did. Now, what is the lesson here in this Hadith,
you want something to earn you has a net
worth the same thing. I want something to earn me income.
So what is the thing that will keep generating revenue for me? If I did a project, no matter how nice is it? And then I sold it, and I got the money for it. And that's it.
Two years, three years, four years, what will happen to the money will run out and then what?
That's why when people think, Oh, this is like,
They don't tell you what happens later. You never find successful business or company established On what?
On a winning lottery ticket. It doesn't happen. It just doesn't happen.
Yes, you like to have money coming new, easy way. But that's not how life works.
In 2006, one of the great personalities in
Islamic charitable work passed away Rahim Allah
about 15 years ago.
He was the founder of one charitable organization.
how he started his work.
His father was a businessman
was rich, he was wealthy.
his son, this man that I'm talking about,
was hoping that one day his father would see his vision in Islamic work. Because his father was wealthy. He was Muslim, but he wasn't focused on charitable work and Islamic Dawa. And the other projects. He was purely working in business, mainly carpets. He was importing carpets, especially from Persia from all over the world from China for and selling it in the Gulf. And he was making a lot of money. So the Friends of the shave Rahim Allah, the One that who passed in 2006, they were telling him, we want to build a Masjid. We want to do this dour project and he told them in sha Allah. Once my father agrees.
This path passed by and suddenly his father passed away. So now this man this year inherited the money. So his friends were happy. They were sad. Of course his father passed away, but they were happy their friend now is what is rich. So they said Bismillah let's build the masjid.
He thought them okay A few days later, what did he do with the money
the extra money that he
Because there are other heirs, he bought a mall,
a market center.
And he started selling out lots and shops and renting some as well. So the people were surprised. They said, What is this? They were disappointed. You promised us to build an STD said yes.
But you have to wait.
That's the continuation. If I build the masjid today, tomorrow, what will happen?
Please give us money we want to spend on maintenance, please give us money you want to spend on this.
In four years, he was able to build two machines.
That's the long term vision, continuation, I kept a permanent source of income. And from that I was able to do whatever I want. Sometimes focusing on doing things immediately, that will not take you where you are hoping.
So think of what continuation
permanence, something that will generate for you. And this is again, this is how we should think about our life, not just our money or our business, you will die. At one day, whether you are 60 years old, 70 years old, 80 years old, you will die. Have you thought of what will happen then you want as an act. You want her Senate to be coming, flowing, even after your death. And the prophet SAW Selim gave us the answer. Is there a method No, Adam inkaterra Malou 11 says, when you die, when the son of Adam dies, his deeds will stop, except for three things sadaqa jariya, continuous charity,
our enemy into farabee useful knowledge,
a wallet onsala head Rola or a righteous son that will pray for him. Imagine if you are able to achieve all these three,
you know, the largest companies in the world, I tell you something that I saw.
I saw it firsthand.
They're not running charities. They're smart. They go and recruit graduates, someone who is finishing high school
with excellent grades, they take them in. Don't worry about student loan, you cannot afford studying and the top 10 elite schools, top 10 Elite colleges, we will finance that for you.
They're not Muslims. They are business people. Because they know those people, they take them. They pay for their studies for four years, what will happen? They will go and work for them. So they get in return 10 times what they spent.
That's how they think for their dunya for their world. Why not? We think like that for both our dunya and our religion and our Deen.
this is an important principle continuation growth.
ask yourself always in anything you do.
You open a restaurant.
You sell shoes,
you sell clothes. You do whatever you want. Ask yourself this question. And that's the other principle that I want to share with you. What is the value that you added?
So the principle is add value.
What is the value that you are adding in? People make money in all different ways?
Food they sell food?
Imagine someone who sells junk food and another one who says I'm only selling healthy food
to nourish the brain and the body.
Both are making money but what's the difference? Someone again there is no one who can say it's haram to earn money you are earning money in a halal way. But why not make this halal way the best halal way.
Organic instead of having
ingredients, artificial colorings and this in anything you do, just imagine doing this. So add value
education. I can charge people for this lecture.
But someone else could also charge for the same lecture and maybe even less
Why you are charging more? Well, I'm charging more because I'm adding this value. Can you say this? That's what you need to remember. add value.
Anyone can make money, anyone wants to make money, but why not make money and at the same time you add value.
Another principle, and I will try to wrap up because it's almost an hour.
Don't reject the little
job opportunities that come your way.
Now, this is debatable, some people wait for that big break.
But in reality, this may never happen.
So as long as you are able to work,
even small jobs, but they are earning you halaal income
within the conditions that we talked about, then do not
Allah de la Han,
he worked for a Jewish man.
What was his job? He would go down the well.
And fill an empty bucket with water.
He goes down the well. Of course there is no elevator, no electricity, you go down manually. You fill the bucket with water and you come up how much he gets? What was his wage, one date?
Per bucket. Every bucket, he gets one date. Imagine how many buckets Can you fill? Going down and up again.
Some people from the first time they get exhausted few times and you're tired because you're doing this manually. And you have the lawn did it 17 times. So he got how much 17 days he didn't say I am the cousin of the Prophet sallallahu sallam.
Eventually, Ali became the Khalifa of Muslims.
Even the Prophet sallallahu wasallam he said Mammon may be in law venom, there isn't a profit except that he was a shepherd.
He worked as a shepherd, every single messenger had the profession. Carpenter, tailor, so there is nothing wrong with that. Then if you got the better job hamdulillah if you didn't, at least you are working, but to just sit and wait for that miracle job offering that you have been waiting, chances are this may not happen.
Competition is higher. Time is getting more and more difficult. So you have to accept the reality.
Earlier of the law, one didn't mind. He came to Medina he didn't have anything. He didn't sit and wait and blame people. You're disrespectful. I'm the cousin of the Prophet sallallahu sallam, you're sure you have to pay me money? No.
He worked for one date. When both Yes. There's nothing wrong with that.
I'm too big, this false ego that some people have
Let it go, let go of it.
So our religion is perfect. It gave us many ways.
Don't focus on excuses. Anyone can blame the time? The society people?
What are the opportunities? What are the solutions? Try to find a solution.
I share with you my own experience with something that I saw.
People mostly asked me for over 15 years now.
Is it halal or haram to have mortgage?
Yes. Is it halal or haram?
So I always ask myself, why do we even limit our options to either it is halal or haram.
Our students at least they know that because I shared with them this project. I published a paper in the International Islamic economics magazine in 2015.
About the caffeine, you heard the word caffeine.
But unfortunately, using a word only doesn't mean
changing the fact because I could say halaal pork, I could say but that doesn't make it halaal it's still
Pork and it is still Haram.
So if I say the calf will just by saying the careful it doesn't become really the careful unless it is really the careful. The concept of the careful is what?
What a fella has the carry? Yeah, that's what Allah says in Surah. Allah maraca fella has a carrier. And Zachary has passed
when we cannot afford something, and others are helping someone chipping in. So this is kafala. The careful initially, is when I pay, and you pay, and he pays and all of us together, we are establishing what a sponsorship sponsorship to what to those who are unable to afford. So let's say an insurance company, the careful insurance, how does it work? The careful insurance works when
I pay the premium.
And you pay the premium. That premium, that income is not going to the pockets of the CEOs? No, where is it going only to those who are unable to afford an accident to fix their car or to pay for expenses.
When that happens, if my premium is 300, I'm willing not just to pay 300, but I will pay even more. Why not? Why? Because you will be rewarded for it, this will become a charity for you as well. Because we are putting the money and only the ones who are in need will get it. So why I mentioned the careful when it comes to housing. On average, our
youth between the age of 25 to 35. Those who just graduated, started their work, and they wanted to establish a family on average in that age group. How many of them can afford buying a house? paying it cash upfront?
How many What do you think?
almost zero? Yeah. So what's the solution? What did we provide as a solution?
So here is worth a careful could help. Forget about the bank. Because the bank is interested only in one thing. You take the money from the bank, you give back the money with interest. That's it. Unfortunately, there are some banks they say it's Islamic it is
adding just Islamic doesn't make it Islamic.
Unless it really differs.
And this is not really our topic. This is something else. Because Yeah, to talk about Islamic credit card Islamic soon maybe someone will say Islamic Riba?
No, it's Haram.
So there is totally different. We don't take what they have and change the label and then it becomes Helen.
if we have only 100 people
on the 100 youth of those who want to buy a house, if you go to the bank, and you want to apply for a loan, the average price of the house is what?
400,000 500,000? half million, okay. Again, almost none has 500,000 upfront. So you will take a loan, that loan you will pay it within 20 to 30 years, yes or no? How much you will end up paying over the span of 30 years.
At least double you're paying more than 1.2 million ringgit. Okay, so how about paying exactly? 500,000 only? Or even less? Less? Yes. How? If we have 100 people?
Now, each one of them has to pay the down payment, how much is the down payment?
The percent 15%. We're taking the minimum 10% 10% of 500,000 is what 50,000 times 100. That's 5 million. How many houses Can you buy with 5,000,010? houses? Very good. You give back eight houses on the spot to eight of those 100.
Why not? 10 because the other two, remember the continuation the permanence I told you about? Those will be sold at market price.
The cost was 500,000. Will you sell them for 500,000 Of course not. You will sell them for more than that.
And that will keep generating revenue
and that will go back to the 100 members and every month. They are all paying the monthly payment and every month one of the 100 is
Getting a house. So with within 90 months,
within 90 months, we're talking about average of eight years, less than 10 years, you paid off the entire price for your house with zero increment. Only the cost price, you got your house. And on top of that there is revenue that is coming your way also, from what from that permanent revenue that is coming.
That's just an idea. If we apply the capital in other
projects, this is one solution.
I have an idea, but I don't have the money, you have the money, we can become a partnership. That's one of the most famous forms, but this is not the only one. There are. So what I like to conclude with
thinking the usual way will give you only the usual result. Everybody else is thinking the same way.
Now, we live in a time where the bigger is dominating. And the smaller is almost wiped out. So for us Muslims, we should be actually together, we should strengthen one another instead of separating.
A lot of people are complaining.
It's easy to complain
to list the problems but what is the solution? And again, I'm telling you another experience that we are doing at Aris
we announced that inshallah starting
in less than two weeks time, our classes, the ones that were generating for us the revenue
will be free.
A program that costs 1500 doing it is free.
Free, what about the cost we have almost every month 20,000 ringgit cost where will it come? It will come from the careful.
Instead of having 20 students now we already have over 80 students. Now of course, we announced it's free, so they don't have to pay. But if they want to pay, they are more than welcome. This pay will be for them as a charity.
And it will help because when we started in 2006 our students they were the main providers and the main sponsors. And they never imagined that 15 years later, there will be classes offered on the other side of the world.
Subhanallah sometimes you plant a seed, and you leave it Don't rush the result. Many times we try to rush results quickly. weight, lead time takes its course its course because you cannot make the baby grow faster than its days. You cannot make the plant grows faster than its days. You keep adding water what will happen you kill the plant.
So hamdulillah Now, the good thing is we are having full house almost every day.
The classes are full.
We don't want anyone to stop coming just because they cannot afford paying the fees. Yes, we did have expenses we still have expenses, but inshallah it will be covered. Remember,
always provision is not in what you plan. Yes, you need a plan. You need
to work something you need to make the effort. But at the end of the day, who's the real one who gives you the provision allows origin
it's very nice and very pleasing to get money easily.
I pray to Allah azza wa jal many times but I'm not getting what I'm asking for.
You don't know what is best for you. Allah knows.
Do you think it's difficult on Eliza just to give you what you're asking? How hard is it on a larger to give you millions or even billions?
But Allah reminded us in Surah Surah Surah 4227 Alaska Jessie's Willow Bess appa la hora is la by de la fille
has Allah azza wa jal given people
everything they want the provision or the provision they want, what will happen, they will commit aggression.
You don't know what
It is best for you. Of course, you always ask Allah azza wa jal and there is nothing wrong, very rich multi millionaire, there is nothing wrong but as long as it is in your hand nuts in your heart, many companions were rich.
As a matter of the Alon Abubakar odilon, Andhra man been out for the long so all of them
none of them was considered doing something wrong even the Prophet sallallahu wasallam the concept that Islam encourages poverty This is wrong, allows the judge told the Prophet sallallahu Sallam he saw that
he found you in need and he made you rich. Who's the one who made the prophet SAW Selim rich Allah
we, we have our limitation. If I am wealthy, multi millionaire and I say I will make you rich I will make you rich based on my ability. But when Allah is the one who's making you rich, what do you think? The Prophet sallallaahu Selim on not just one simple property one simple land he owned
cities Fedak he owned in the hundreds of livestock. In one day, he gave three people 100 sheep each 300 sheep,
how much is one sheep on average? 1000 times 301 day he gave 300,000.
In his farewell hedge, how many camels he sacrificed
163 with his own hand, and the rest 37
of the land continued the rest. How much that costs? Do you know?
You're talking about almost half million ringgit.
Prophet SAW Selim was very rich, but he never kept that for himself.
being rich, there is not a problem with that at all. The concept that you have to be no, you make money and when you give that money, that's why Allah azza wa jal mentioned many times in the Quran, the qualities of the believers, amin arasaka, Nahum, young, own and of what we provided them, they spend
many people read that and they say, Okay, what does it mean mean Rosana, whom you have what we provided them they spend so first you have to earn
and then you spend some people said Hangul, I don't have to worry about the cap. True, why I didn't even earn enough to save money. So the car will be due to me, but they know that if you earned enough and you saved and the car became mandatory, and then you paid the car, you fulfilled one of the pillars of Islam.
So the concept that poverty and no, Islam never condones poverty.
But the problem is when people usually get rich usually, they forget
Kerala in in Santa Yato era houstoun
this is what happens in nakane Academy call me Mustafa Ali qarun was very rich. He used to
be from the people of Musa Elisa, but he was very rich that his keys only the keys for his treasures, they were difficult to be carried. Not the treasures themselves the keys to the treasures, so that's why he transgressed so again, don't think that a Lhasa gel cannot give you what you're asking. Never ever think that it is difficult on elasto gel to give you There is a reason
for what is happening. But always ask Allah azza wa jal it's not difficult. In a split second, Allah azza wa jal can change everything. If the kuffaar can make money,
then Muslims cannot Of course they can.
So this is what I wanted to share with you. May Allah azza wa jal make us among those who listen to the guidance and follow the best of it. And may Allah azza wa jal give us better understanding of our religion. milazzo gel gives us the ability to implement
all the Rowling's and the teachings of our religion Jacqueline O'Hara, Santa Monica de la vaca.
We have about 15 minutes if you have any questions, yes. What is the
what is the maximum allowable profit Good question.
The maximum allowable profit is no maximum.
So when people say on average it has to be 30% or
No, there is no maximum. I just gave you the example of a matter of the alone he was offered 600%.
More said this is haram.
The only how wrong is when it becomes manipulation and extortion. But other than that, it's not
if the best if the person
And he owes a debt, well, there is a maximum, there is a basic principle maximum of either alone below home.
What does that mean? What you are what you are supposed to earn, then you are also supposed to guarantee? What does that mean? If that person who left that if he left money surplus, would that be inherited?
Yes or no.
So the heirs should pay the debt because a one mobile home.
So, if your father died, and he left that you should pay that debt.
Why? Because if your father left excess surplus, you will inherit, it's not just this, you only take what is useful, but when it is not useful. You say I have nothing to do with it. So alone mobile home
that's what happens.
What if we talk to a student? Yeah. And then the student is in pain?
Yes, of course, that's the that's the principle of guaranteed when you guarantee you are a guarantor. The person cannot pay they come to the guarantor.
Okay, now he couldn't pay
and you also couldn't pay.
You are a guarantor. You're not the debtor, the debtor should pay. You're only a guarantor, which means when the debtor cannot pay, they come to the guarantor.
If the debtor cannot pay, they came to the guarantor and the guarantor also died.
It's possible it could happen and you're still responsible since you're guaranteed.
It is like a debt. Yes, because you didn't inherit it initially, it was the original debtor. But you got it.
Eventually, because you were the guarantor. So your air, the one who inherits from you is supposed to also to pay provided that the original debtor or the people couldn't pay.
It's always the original.
It's always the original debtor, the next of kin to the debtor, that's why this is very far scenario, but it could happen.
No. Then the next of kin of the guarantor
no, okay go ahead fine.
To have no space to decoration.
Because the house is too expensive.
So that you can afford it. Well it means that your air will have
the question itself is incorrect.
in a scenario like that, will this will this
loan be debt free
So, you're asking, it's just like,
But to answer that part, only Amara de la Juan, when he saw people transacting for two years later he said, What extended hope you have. So even for longer than two years, he did not want it to happen.
So again, before you complete, I told you no. So, you see, I know.
Another one questions.
alaikum Salam rahmatullah wa barakato.
No one says you don't put effort, focus on the achievement. I gave an example, if I just come from nine to five, but I don't do anything then why? What good, is it? You know, of course, you need to make the effort. But the focus is on what? achievement?
Of course, it's good. Your role as a parent is to supervise to channel not to force, but you don't leave everything open. If your child told you I want to be a thief.
Yes, he says, I see all thieves becoming rulers.
Or he is now talking politics. He's dangerous. But he's telling the truth. You let him do it? Of course not. So your job is to supervise?
Yes, of course. But we're not saying the result. We're saying the effort and the achievement. You make the effort. No one is saying you ignore the effort. But you focus on what? On the achievement production. The Prophet sallallahu Sallam was not asked about the result. Same thing. I'm not asking you about results, but I'm asking you about what production
achievement? What what what is this going to lead us? We're just putting this effort like that without having any outcome. That's so I understand. Yes.
number one is to be passionate in whatever we chose to do.
And number two, is focus on income, not on expenses. And number three, make sure that the we focus on the achievement achievement as the objectives
is continuation and focus on growth.
Okay, so that applies for a
But you forgot the first tip, the most important one, pay to PMP and that is