Channel: Karim Abuzaid
Series: Karim Abuzaid - Fiqh Of Business
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moto who want to stay
around we let him introduce fusina
woman, Lil fella Heriot
watt Chateau La ilaha illAllah
Muhammadan Aveda who
we continue with
the book of business transactions.
And last lecture,
a business contract
to be valid, we mentioned that there are six conditions for that business contract to be valid in the side of the Sharia
the lecture is available you can go back and revisit it
and we also mentioned our caravan, the pillars of a business transaction the three pillars.
Now, we would like to go over the forbidden
review, I will move on based on these conditions. So, these are the conditions to make a business transaction valid. Now, we will take
examples or we will cover
the unlawful and forbidden
business transactions where one or more of these conditions is missing in the transaction.
And the first of the list once it comes to the forbidden or haram or unlawful or I love the brother who given me that word and just
hatherleigh Rabbil alameen the Hadith
philosophical Baccarat the lawfulness of selling and buying he right away
made the contrary if it is to be ribbon, what a halala. Will they are wahama ribbon. So the first of the list
out of these forbidden business transactions is usually
I really would like you to understand it.
So I wish you have something to write with.
Maybe you can go back and listen and write.
But we will cover four areas here. Based on the time you would want to prolong this we still want to stick to a half hour deal so we're not holding you for too long. But we want to give an introduction to the subject important one.
We want to define usury river
refill river, Logan or Sharon.
linguistically and the technical the technical definition of usury
and here is the very important piece which is why it is haram
I told you before when it comes to Mohammed lack in our religion you can ask that question you can say what is the What's the news it is haram but don't ask why do we have to pray five times
don't ask why do we fast Ramadan don't
maybe you can ask the wisdom but you actually can ask why
use it is haram you can ask that
there is a reason behind it. And we're gonna go over these yarny wisdoms in Sharla comes in the the third piece here which is very important. And what are
the types of usury or XML Raven? Allahu Allah See, I will forgive ribbon nesea horrible fog. We want to define them
and explain them.
And then the last piece inshallah we want to talk about
A lot of Muslims and businesses are conducting their businesses.
In a way they are tricking Allah subhanho wa Taala
and they are dealing in usury but they are faking it so it doesn't look like it
you undersell it Allah Allah Lee.
The ribbon we have this is a very famous with the villa Mr. Milan, hotter sorry Mr. Booth yarnall mamluk la la, Sharia. Even in Saudi Arabia there are ways that they trick and they go around using
Gianni adjara Colombian hola Hello Robin
adjara column in Ireland Hello Robin. Yeah and we have skolars masala and
ye minuman met and the Lancer Sharif Lhasa
lot of Allah subhanaw taala the salani orfila Ye
la comme m&s
Jani fava it will bang Hallelujah, Hallelujah Hallelujah. So let's move on Murat
subhanaw taala for what? midnight the Sultan?
Allah in fact what
Fiona's lil SF Joe
and we're having an issue in America and the West with some scholars who have no clue about how life is conducted here in America and the West. And they came from overseas and they said you can buy a home using mortgage using usury they actually giving you that license.
Yani yonny qlm happycow marut is alanya Lola her demons a Latin Alana. Jani kulu hado. Meanwhile, in la sala
de la vida, every person yeah if what can we can speak
for we could say no to him. You could say no to anybody. The only one you cannot say no to is Muhammad sallallahu alayhi wa sallam because at the end of the day you say what ash had Mohammedan Rasulullah that's what you say.
I want to begin by saying
stating a Howdy.
Howdy fi Suna libido domain admin just to show you how important it is that you should learn about the subject.
an hour and a half for the mentally ill.
I see this a mandatory piece of knowledge that every Muslim must equip himself with Linda Zilla
and Takahata Howdy, howdy.
Howdy rhodiola Juan Carlos Allah Allahu alayhi wa sallam the Prophet sallallahu alayhi wa sallam says layyah Tiana Island Nazanin lado Illa Aquila diva
aloha long Stan
time will come.
Every single person will eat river will devour river, usually
higher calorie burn Hakuna Sufi fair Illa mia kulu for inlandia Kula if he doesn't devour it if he doesn't deal with it or saw about whom in
the dust of usury we'll get to him
yeah so Panama I the other day after I you know some of the brothers I think they brought up the issue that even the bank you go and you sign that waiver that I do not want any interest
so I decided to go and check I found 20 cents
15 cents out there in the state
so I went to the bank was oh they said we have to bring it here in order to balance it here because we the system is not equipped to
just to let you know that you already received what the dust off right there when I thought I saw this as if that's the Duster forever. I received rebel technically, even so they ended up rebalancing it again taking it back. You see for them to remove the interest they have to add it then take it out. So it was added to your money but taking out so we'll call this what
That does. You're not technically doing it but it is the dust of usury.
or Lieberman of Ahmed
Riba usury is one of the greatest sins that a Muslim can commit.
With no source.
The textual evidence
supports that statement. I'm not saying it to scare you. We're gonna find out.
Listen to this wha hoo hoo ha ramen.
fil a DNA center we're Jamia
and it was made a lawful for all the nations before us.
When Allah subhana wa tada spoke about Bani Israel, the Jews he said what? What? v mareeba waka the new one.
And because they deal in usury whenever we look phenos fifth Torah Elijah in the book of the chrominius something like that, oh, be good luck. Oh, no user.
But they did what they added
in a later chapter, a little piece saying you can do it with non Jews.
Let me know Sahaja Quran
wakad hula Isa Elena. Phil. Oh, Mina Sabine.
We're not held accountable for dealing for giving usury to the electorate. But a Jew with a Juno.
I give you a loan. I don't take usury from you. But only Arabi also has Raj. Yes, we're called Julissa Elena. Philomena, Sybil ephesoft Allah moron.
Amina Lim kita demon in man who can pour in you at the lake woman woman, a man who be Deena de la de la calle, Talia Karima. Then he can be unknown call Lisa Elena. Philomena Sabine waiuku. Luna Allah La Hill, Kathy. Whoo, Meola, Moon. It's aligned.
In the data JPA Lara,
right before the sending of satana Muhammad sallallahu alayhi wa sallam.
When they the floods, took down the Kaaba and they decided to raise the foundation again. Guess what they made the deal. No money from prostitution, or usury.
The law of the land
will fit Ronnie This is haram.
So why do you see a jury smile?
What is the issue of prejudice made? In Africa? My mom's older halaal money is gone.
They run out of money the only money that is left is the heart of money. No. Hello, let's just finish it here. That's why you see that which is part of the carbon unintel otaku a new cross from hazardous material this round doesn't count. The level didn't cover macabre he
completely under that indivisible la Sol and
Lola Hadassah to coma Camille Islam miana Mahathir bin
Laden to Karbala. canta la
luce attack Abraham Ali Salam. He says to Arusha has it been for your home? Your people are Jani newly accepting Islam here I would have raised the foundation of the Kaaba on the loose the pillars, which Abraham and his man did raise the camera.
The point that I'm trying to make at the lobby, the lobby louella can yet can yet finish.
The Arab used to take his daughter to burial, a life who used to kill one another for our camel. They knew that usury is haram.
what is the wisdom quickly insha Allah and I think the wisdom will show as we go
and I really want to give you a wisdom but if you pay attention to me you will understand what I'm saying
at that hill
that was so much addressed in in the Quran.
The Battle of offered
Because it was a learning experience for the Muslims
Allah subhana wa Taala spoke about this battle in Surah, Allah Emraan
in 60 verses
but then totally hit Allah starting with what time in Africa, Toba will mean in America either Alcatel wala was me Ana de la colita Allah McKenna La Jolla De La Nina Alana and tamale haka Nisa, Al Hadith Amina
only the beginning of the 68 block of iron, all of it is about what happened
in the middle
read these verses. Yo, yo, holla Dena Amanullah kulu Reba modasa
what de la la la come to flow phone? What takuna Malati that little Catherine we're off to La Hoya Rasool Allah Allah, Muhammad
Ali who believes do not devour Riba
anybody who reads the Quran would think there is no relationship whatsoever between
and a battlefield
but if you reflect upon it, there is
because of the most amount of rubber we
the society that is established in the basis of usury
I'm sucking your blood basically.
Hawaii What happened? these banks are sucking the blood out of the pool.
Yes, they give you money can have a car can have a house.
But you slave up 15% 20% 30% 39% slavery. That's the new form of slavery.
wet elixir Panama. Tada.
We have some Arab news.
Regarding the punishment of the one who's, who accepts usury, the one who takes usury in the grave.
Prophet sallallahu alayhi wa sallam says, to who yes Buffy in a hurry misled them
in his grave is swimming in a sea of blood.
Li Why? Because he sucked the blood of the pool.
He had no mercy.
That is his punishment in the grave.
And when he lies from beneath the ground
alladhina kulula River Lake una de la cama yaku la de
Jani wallet feet of Sierra de la barbil aquatic Villa his belly is 10 meters in front of him.
stands and folder because he filled his belly with a lawful earnings
as if I go back to the verses as if if there is injustice in the society, in the community, you will lose in the battlefield
because when I stand in the battlefield
I want to look next to me and this is my brother
When I need help he gives me sadaqa
When I need help I go to desert care
when I need money he gives me a good liloan
Our madam now
the two boys mahatama with a frog and about two and a million. LAUREL if you're in a battlefield
you look up to you right she was standing next to you right? Is he will protect me or
He looked at his right he saw a little boy
it's not gonna work. Who are you? Yeah, I'm buddy with a fella Buddha. Buddha Buddha
Buddha nature 13 years 12 years
You want to kill a Buddha to his left shot the same thing
for when you're out there in the in the front
if if lemmya Koon Alamo gitana mata mercy can
it's not gonna work you lose
you're getting now the relationship between the verses and the river
right that that can make you lose
Lin Esma, Yanni
in Nevada the father mystery after the mystery and the whole morning I'm watching these guys with the
AMA weeks were licensed what o'clock in the morning watching the Muslims today are going out and really showing these guys
so I'm sorry, Nevada lopsided Islam.
Yakumo a is established on what
Sufi howdy? There is a hadith that all of us we recite we read sometimes but we don't pay attention to some ins and outs of this hadith. What is the Hadith?
Have you have you heard of psycho Harry? Muslim?
Some man from Bani Israel he went out at night to give us our data in secret
the first one he given the other party was what
Come on. We said this so many times. Hmm.
somebody who steals the second one
was what a prostitute.
The third one
was what rich Piana at the end of the day
we were told that the thief the prostitute were committing the sin because what they needed what
but are you connecting why they ended up doing it because the rich is stingy.
Hahaha there are poor and rich
the right of the poor, the wealth of the poor is with the rich. Now if the rich is stingy,
what is going to happen?
The poor will take robber
will commit adultery will steal to make it will be now
understand the halifa who should look at these three characters as stingy rich calls prostitution and theft in the society.
But if the rich gifts, fellas, luckily
we had somebody who wanted to give it in secret. So here the thief stops and the prostitute stopped.
Them Bobby horiba is also a sin.
Maha why a Muslim goes and takes a loan
because he went to his brother asking him for a goodly loan he said no.
Because the rich are not paying
Mahal Mr. Muslim yaku maleta careful, cooperative
or undercover to the real.
Howdy fella. Lowell llll lock the key. The three individuals who entered into the case the second one? What happened to him?
He said I had a cousin female cousin.
I wanted to have her so bad. And when we commit adultery with her
I was rich
sushi, her and her husband had some financial hardship. So she came to me asking for help. I said no.
I must have you first before give you the money. Look at this now for the holidays. Oh and one of the things this lady. She said no. And she went around the society in the community. Brother Can I have a loan? Can I have? Can I have a loan? Can I have a loan? Can you help me? Can you help me know?
She came back to him.
You're getting the point.
yaku Allah huddle
30 P. Od manava Hekmatyar. One of the greatest wisdoms behind making use it as Hana.
Subhan Allah and dystrophin holdeman m wyrley him solder cotton to the key him what Papa he'll
take from the wealth is Zika sakana minor Zika boo like a sadhaka historical it could be used for Zika and it could be used for a
saga with Zika in a stem Africa with a therapist Mr. Callum chef in Islam he will lucky who's been unwell him sadhaka Serato take from the wealth zeca cool man. Why what is the is the the key to the key man.
First of all it will purify me the giver. From what Laney
Hello, Tom Tom lacuna Hosea in Iraq Mattila de la casa del In fact, what can insane
by default By the way, we're stingy.
Stingy we like to keep but when you take 1015 $20 $100 $200 and you give it you cleanse you clean yourself from stinginess. shala I can give
man I can let go.
I did it. Then enough's. Has has full time and in the measurement that sometimes when you win a game when you run a fundraising and the shift stands and okay brothers 10,000 let me give them
No no, let's go with five
What about the bills? You know? Okay, let's do two and a half.
At the end if you end up with $100 and hamdulillah
you made it.
That is why by the way you're supposed to do what was area
alladhina you said the Puna Hara when you're about to do righteous deeds, rush wortley do it.
shaitaan when neffs in this
Welcome bill fascia foshay. The point that I'm going to make here besides cleansing or purifying the neffs the soul of the giver, it also purifies the receivers from what
Mahadev when I see you rich, how about Allah here is Masha Allah and he gives me the cattle man. This year he given me 200 then there is the cattle malice to hungry, your soul with man of Abdullah
Maha if he gets more money, more savings, that means I'm going to get work at all I am going to make dua for him that Allah will give him more money. Because the kettlebell is rock 2.15% in the saving if you're a few you're having to $1,000 $50 you're up make him to 20
instead of envying him for being wealthy and rich, and make him do it for him,
Before we go into defining what Reba is,
I really want to share with you one Hadith
and Subhanallah I just
have Rasulullah sallallahu alayhi wa sallam when you say Hi, I'm Rob mouth. And I'm sorry, robiola one.
by Allah, my followers.
I'm not concerned about you getting poor.
I don't feel poverty on you.
metal sock rock chalet?
I don't feel I'm not concerned about you becoming poor, working well, wacky, wacky miaka and to busara madonia Canon boosey battalion and public unfettered FSO who can attend FSR fair to lico calm.
But what I am concerned is the dunia is gonna give you you're gonna have wealth, money,
but you're gonna compete.
And this will cause you losing your actual you're here after
the point here.
We need to think of an extra when we address this subject.
Can we take another 1015 minutes Let's finish at least two
Find the river the ruling and the punishment quickly.
Can we do it? What is the river
areeba he has Ziad
is an increase
the holy tala
Ouattara of the Hermida for either and Zelda iE
this is linguistically
that increase could happen in the self
in what countering
what will counter the thing I'll explain
I give you
$1 you gave me two.
So, you ended up receiving the increase,
but that could happen also in the thing itself.
Like the verse that I just quoted for you, what is Riba in the technical terms Riba Shara
as Xia fee a Shia in masuka
Mohan Rama Sharon,
you receiving an increase in certain items, certain things
which labeled to be Haram.
For you, what is the ruling mahak mareeba
is it Hara?
Hara beaner syncron was soon well agema
based on what we call it,
Al Quran the evidence from the Quran What a hell Allah who they are beja wahala Reba and Allah means selling and buying 3d Hello, and made Reba harem also you hola Nina Emilie de La Hoya. Dottie Amina Reba in kuntum Mini Oh II believe have Taqwa in Allah and leave off what
is left with you a few zuri if you are believers for a lambda value, and if you do not do that, then we'll be Harbin Mina law he wore a suli
Allah and His messenger will declare war on you.
Soon natcore Jad umeshu
al Hadi sila Muslim isma Lanham Allahu Riba.
Allah curses usury
what a killer
and the one who receives it the one who is
paid to Yani let's imagine the bank
so Allah curse is the bank
and the one who pays it
and if you pay mortgage
you're giving them interest you'll curse to
and the one who writes the contracts the real Stadion
and the Two Witnesses basically anybody who contribute to this deal is mahadi the Nevada national
home color home so
they are equal in the sin
Yeah, and the the case is settled right here. It's over.
We'll learn lammertsma and the head and loss a law courses could mean da.
Because Who said this?
sala Salah, that means the Prophet sallallahu alayhi wa sallam is saying May Allah curse, Allah Allah could be mean what could could also mean what
do I la de la de messenger sallallahu Sallam is making dua that Allah would curse.
Usually, the one who receives it the one who can
The writer of the contract and the Two Witnesses
ullo Hamilton analysis hub the hub Marianela Angela philos Sabri
in sunny this person is what? cursed
if the consequences
the punishment, you want to stop or shall we finish them?
Two more pages.
Sharif pada sallallahu alayhi wa sallam
enough that you fall under this film. Oh hurry hurry hurry hurayrah layer tn Island nasionale la you barely Maru
Bhima del mal
Minghella, Lin and min Heron.
time will come when a Muslim will careless How did he earn his money from Hillel from haram?
enough that you don't care about that.
When you know that in the day for the election, you will be asked two questions about your wealth. Let us Zulu cotton apne Adam Hata use Allen hums Ron Alba was he he will be asked unmanly about his wealth. How did he earn it and how did he spend it time? time will come when a Muslim will care less How did he earn his money but their mama market a
enough that you're contributing to the coming of the hour?
By in a Sir halifa matamata Byron
Bay in a Sarah yo Reba
when the hour is near Riba will be widespread.
Look at this now
Subhanallah few Muslim athletes will imagine will happen. So how can fit
this into this study? You see mahoba a hula hula Bina T will cost the amoun fair between Chava and waka Dora.
When you take usery
What is your intention? What do you want to do? You want to be
rich, right? You want to be rich? Correct.
Is Maha de mer a had in Acts of Amina Reba illa joaquina Takeda to me de la kinnelon
no one who deals in rebel he will arise
but you will fall down young happen lavida.
Young happen lavida
Yeah, you may in the bridge for a while.
How they do it how these banks do it. Somebody who has some money, they take it. Okay, we'll give you a loan to develop that place. You go ahead and develop it how much percent 20% he goes and develops the place. And then he at one stage he fails to pay what
tablets normal jwala do. Let's see some UI rescheduling of the loans. He does it one time two times three times in an hour.
They take the property away from you
to go out into the van nivola Mahal
phenos Kathy in Egypt they did this they went to the banks, Rahel bank and Mubarak aphorism and good
luck last 10 years the guru the bank Mashallah has a nice flat in Tahrir Square, good secretary or a car or 100,000 won the World Bank bank. Okay, take a look. What do you want? I want to develop that area. I want to have a housing with Gino mysuru de Rossi Jaguar a feasibility study on Shafi el banco Go ahead, go development, honey deca 100,000. Honey decware 100 million, he goes and he develops
he has to pay interest.
At one stage he is unable to pay the interest What happened? The bank does what?
What what is it that what happens also here that if you cannot pay your mortgage for how many years then the bank would
take it and sell it.
You're out. You're out of the game
that's in color.
voila, a honey
Shoulder to shoulder. And for you to think it's a fairy tale that meets the requirement of Mahatma Muslim. Yeah, and if you remember Buhari would have seen that Hadith he would have compiled it in a Muslim would have seen this hadith he would have compiled it. Well, hello mr.
river is 73 portions or kinds. There are 73 kinds of river
valleys to fit
in Yankee Havasu Luma
that a man sleeps with his as equals in sin to somebody sleeping with his mother.
So, I think
there are 73 levels Horomia
the least equals in sin to somebody sleeping with his mother
had to live in ambala Well, howdy fi mama Toronto, Mr.
Yet kulu have
a shed in the law Minh city in West LA Athena's Enya
de la ribbon that you accept it knowingly is greater in the sight of Allah and committing third is adultery 36 times.
is not easy.
Oh Jani. We mentioned
her. Allah and His Messenger declare war on you.
And we mentioned also the punishment in the grave. And homina sub Elmo required before I realized that it was a bad move because it's one of the destructive sins a sin that will destroy you.
And there are seven cents which will destroy you. One of them is usury inshallah the next
next Saturday will be like
a very important piece make sure that you take some coffee before you come because we want to talk about the types of labor and it's it's a little bit academic University. We're gonna try to make it fun inshallah. Low urban, urban messy and the two types of labor. And also, we want to talk about the alternatives in Islam for usury, and the emulator. I'll also cover the tricks which a lot of Muslims do to go around usury, but yet it is still usury. Does that mean oh hey Ross.
Shalala highlanda stockbroker