Fiqh Of Business 04 Types Of Riba Usury

Karim Abuzaid


Channel: Karim Abuzaid


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In Alhambra, Lila Meadow who want to stay in who wants to film

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one hour we'll let him in surely am fusina on sejati are Melina

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Maria de la

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la la palma Youngblood follow the Allah.

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Allah Allah illallah wa sallahu

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wa shadow Anna Mohammedan Aveda hora sola.

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inshallah today we'll have a second goal

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with usury and the tides of usury

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and we hope inshallah we'll be successful to

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get you to understand that

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there was way that I want to go about it is

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we mentioned that there are two types of variables.

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One is obvious crystal clear and one is hidden.

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The obvious clear one is called Urban nicey

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nicey ariba

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A stipulated condition for a loan

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I gave you $10 I tell you, you give me back 10%

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is obvious. That is why I have no kayam said rebel jelly, you cannot miss it.

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Whoa, whoa, a rebel j heliyon. And this is the rebel which the people in j Hillier used to trade and use the lower

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court module before either

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but there is the word conditional

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or a stipulated stipulated condition

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meaning that you say 5% 10% 8%

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of course a for this would not apply. If you go in partnership with another person.

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Let's say that you want to go in partnership, and one of you want to work the money and the other one doesn't want to.

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So you take the money from him.

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Let's say that you want to go into a business which will need a capital $100,000.

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So you take the 50,000 from him, you put 50,000 and you tell him the profit will divided 5050 is that river that is not driven. That is permissible in Islam.

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So the first type of river is ribbon Nasir

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there is another type which is hidden

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wahiawa urban fog

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that you exchange

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commodities, not money.

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Last week, one of the brothers when I said you can exchange a car for two cars,

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it is permissible

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to work if you say this car is worth $1,000

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I'll give you 1000

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and you gave me the value of those two cars, would that be permissible?

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Okay, you turned the commodity into funds, then you're dealing with money, then it doesn't apply.

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When you exchange you exchange merchandise commodities one for one,

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but you exchange it for an increase.

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one kilo for two. This is called rebel funds.

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Now, a famous Hadith identified six items.

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six items

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and that will be gold for gold.

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Silver for silver, filled the fulfilled.

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Elbow bill ball, lower wheat, for wheat,

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ashy, bisha. Burley for burly at dumb

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bithumb dates for dates. Those are five and the last one is well mill who will mill salt for salt. So the Hadith stated six items

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Now for you to exchange those, you must fulfill three conditions. condition number one Mifflin v myth

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yeah then bn

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will kill Mel farofa sour and B server

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Mifflin B myth server and visa yet Ambien

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Jani one qilu for one cue at the same time yeah then be at now.

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one kilos of gold regardless of its value, whether it is old whether it is new, whether it is 24 whether it is 28 whether it's 18 gold for gold qilu for qilu

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hand to hand I cannot tell you tomorrow

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yeah then bf Sauer and visa Mifflin be missing.

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an equivalence has to do with the size.

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Victorville Mifflin de Mississauga and besar. Because you could go about two things. You could go about majoring.

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majoring measuring the measurement or the weight.

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The measurement the lowest

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what is a sub for handful? for mu hat

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so I gave you for PSA

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you gave me for sir? Oh Phil was a lower weight.

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Lower Caillou, two kilos, three kilos five grams. For you can go about two measurements overweight.

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Who added an

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because you see we already explained the types of usury. It's done.

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It's done with no husband. It's over. It's done is swaddle. And the question now

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Are there any other types that can be added to those six types or not?

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there are some of the oma who said that said Rasul sallallahu alayhi salam named those six types

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in the store call us

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have no has. What are those?

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What are you

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but those

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layer juice layer juice

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either can choose heavy unwashed, those six types regardless, I said regardless of the quality one nobody saw that. And maybe Salalah ariosa Sallam our Salah he sent somebody to Haifa and he brought back one kilo of the quality for Nabi sallallahu alayhi wa sallam asked him is all the dates of high bar like this, he said Noah rasulillah but here's what we do. We exchange one PSA

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for handfuls. For eight handfuls

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the four handful are quality and the eight are mix

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of the two.

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He said No, do not do that. This is usually

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how the

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Mifflin Demuth, regardless of the quality

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mahavir we have this people standing in the street where we buy your gold.

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Okay, you have gold from the 1921 qilu. You enter there he tells you I will give you half a kilo new

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would that be usury or not usury.

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Rebel rebel, you can go ahead and sell your old

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cash the money

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and buy the new. You tell me what is the difference? This is what

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that is worth. This is the difference.

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This is the river. What a Holla Holla

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wa hava Marie.

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Focus with me here because we're gonna go into an area, the area from last week and if you grasp

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You're gonna love

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focus with me.

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Now in Hyderabad if you're a Muslim the Prophet sallallahu alayhi wa sallam named six items. Now the question is

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are there other items that can be added to those six items?

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Very few of the oma said no ethno hasm and toes

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allzu the majority of the jurist said Yes, why?

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They say applying TLS

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for some of us who are SPS

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So, we're gonna go into our free by a little bit and we'll come back to it.

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We want to understand what is PS

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for you?

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fee Hydra fo SM cam Sharia

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religious rulings

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five of them

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will Wahid Elisa Watson Abby Hanif for rock will for goolwa Bessie Callum Eonni Miss Leslie Mendoza what a new command

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or any nahi any do

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any do not do

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in the Quran or the Sunnah

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falls into five areas.

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What is

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mandatory What does it mean?

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You are sent full if you do not do it and you get rewarded if you do it. Example Edward

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salam ala tokens fasting Ramadan while you're able

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to hide while you're able

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is the

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hope so as you

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what are the masala

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What are two second

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quotevalet camassia

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the next is most tab

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men do

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but that sooner word is very deceiving.

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Recommended What does it mean recommended?

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If you do it you get rewarded if you do not do it

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you're not sent

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in now if

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the Salah which we observe before and after.

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Are you sinful if you do not come with it?

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No, you're not

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mazahub It's recommended. This Annika she's doing this is it okay. It's recommended? Yeah, she's doing this thing. Is it okay. Oh, you have to do it. It's

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mandatory. You have no choice.

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Comes in something called MOBA permissible.

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is leading Hello Hello.

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Can you can you actually say that

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is it's permissible you can sleep

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Nothing wrong with it is MOBA. That is a question how can you turn this into worship?

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If you formulate any an intention

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that you're sleeping to wake up to breathe.

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That you're sleeping to strengthen your body so that you can work for Allah. You can study that you're eating that you're wearing this cloth in order to look good as a Muslim.

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So how the hell am I without it something from outside that it comes formulating an intention turns into an act of worship?

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then we have something called not

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It is disliked to do this lk branding in Islam is disliked.

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You know branding yourself for healing is disliked in Islam.

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But if you do it are you simply

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No you're not. But it's this slight

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and then comes in the total opposite to logic which is what Hara

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This is aloof.

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So repeat after me.

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Why did you

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disliked her on

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anything that you do what what is the ruling?

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Should I do this or no?

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Now for a jurist

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to tell you, this is Heller, this is why

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this is Mr. hub, this is disliked, this is permissible.

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Does he receive revelation or lionni?

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He uses something called abdillah evidence.

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It's called ideal lateral

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evidence which are used to back your ruling.

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I tell you brother, this is Hillel because Carl Allah Allah Rasool Allah or others

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are we good so far?

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for you What are these Adela

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which evidence is do the jurists use

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to establish a religious ruling

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one Al Quran

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he goes with

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consensus of the scholars of the oma which the headin

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for is the one that we want to use for river which is called what

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Ts and we're gonna explain we want to go back especially to this one to explain we're not going to explain any of those but we're just gonna go back to try to explain it because that is what we're gonna apply as an evidence to say that there are other types of food

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that the rebel forego applies to using an allergy.

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So we said the first one is what?

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Come on brothers, Quran, Allah kita. Too soon three

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and H nannies map

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all the oma agree to this

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buzzsumo study, Michelle is mellow a little louder than those who have worked. He had the knowledge.

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For analogy PS and this is the one that we want our we're gonna go back to it and explain it a little bit farther.

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That is four, five,

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something called in is this hub

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annulus hub

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is this hub as

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a will.

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Right there. You're in the desert and there is a will

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sheath Can I make will do from that will?

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I tell you? Yes. Why? I say well, what if there is your internet will look as possible.

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Let's go back to the basic rule. What is the basic rule and our snowfall map?

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By default every water is viewed unless

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you saw your and go there.

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Or you were told that there is your Indian for sure.

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You cannot be skeptical.

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It's just I believe it's the most heavily us

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you come to me brother. This brother is alive. Good luck you are alive. Why? Because there are basic rules that the Muslim doesn't lie. You show me the evidence that he lied.

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You understand? I take everything back to its

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origin. Us.

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For me to go away from the US from

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The Origin I must have what evidence is this herbalists

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something called colusa hobby? Yeah, whatever the Sahabi says is a Hojae

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Why? Why do we say that Leanna sahabah toda la jolla, la kulu all of them are just he will not say something which he did not hear from the messenger.

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If you establish a chain of narration to a companion, which says the Sahabi says so and so is an evidence, but now let me ask you a question. The Quran said and the Sahaba said two different things which one are going to go for?

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the Sunnah said

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Which one are you going to go for? Let the Rasulullah Sallam said and the Sahaba said two different things which one are you going to go for? 534-567-8910 companion said and one Sahabi said Which one are you going to go for? Ah

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lacking cold word Sahabi Gallo my fish you don't have any other way to go you're searching the books for evidence for this issue. You're going around? Yeah And if you had a yo mentality illness

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and then sell them a Ba ba ba ba ba ba nessa I love them AppFolio

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bluesil Damon will always ask what is the ruling

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according to the key Sahaba dominant mode

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of the life now.

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He did this

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is not established. There is no Quran there is no sooner

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we don't have a hadith that says the messenger said that he wiped himself except when he recited the three of coal before going to sleep he wiped all of his a his buddy if you want to do it you're gonna go ahead and if it's a hobby but it's up to you Phil council hobby fitness and

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Yana told us a hobby

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for you.

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Comes in another way ill masala Halle masala

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a benefit you want to secure a benefit or remove

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a harm Dora

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deli is a way evidence.

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The neilan A

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unsaved Namu sorry Salam aleikum wa sallam they got on the ship

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they got a free ride on a ship.

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rally is Salam

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hora Safina he did me the hole in the ship

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give us a free ride Wakabayashi.

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They give us a free ride and you're digging a hole in the ship

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this is bad right? What was the evidence of

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the accident?

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That says evidence that's what he used.

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He there are two harms two bad things which one should you go for?

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The least

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there is a king who will confiscate that ship. If it is what in a good shape. But if he looks at it and there is a problem with it

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and if he gets all the ships anyways, why do I have to fix it?

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You guys go go away. I don't need them Shoshana Safina llll Highbury

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for the same way. masala ha Marcel

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and Allah and nothing

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good to

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say yes to the Constitution based on what will constitution as a kulu

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kulu all of

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that is sharp

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with democracy of disbelief, Bessie that the scholars they are saying go ahead and say Yes Why?

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Why Muslim,

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Muslim or Muslim.

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It will declare harm

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And it will secure a benefit rather than leave

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there is two more I believe set the very is an evidence

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why a woman is not supposed to travel by herself

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that distance yearning for travel. Why set deliberately Xena

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Why are we supposed to avoid mixing?

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we're mixing hallelujah I'm meal mixing is not halal haram because it's Haram. Mixing is haram because it leads to a greater evil. This is what the scholars say, blocking the way to a greater evil.

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Then Ilan said this area

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lowering the gaze don't look.

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Because if you look you will desire. If you desire, you will think if you will think he will text message, then he will call the Let's meet.

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You would have stopped this from what

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was normally

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if looking is haram, it would not have been made permissible in some cases. Like if you're sitting in a court

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as a witness, if you don't look at the judge, even if she's a female. Yeah, and we can educate her. That's another issue about Islam. If you want to do that, go ahead. But if you're called to judge in a court and the judge is asking you if you don't look that judge in the in the eyes, even if she's a female, she's gonna think you're like

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it so we're gonna go ahead and look.

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I want to tell you that if looking is haram in itself, it would not have been made permissible in some cases.

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But when you engage when you propose to a woman

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this woman is not allowed for you right?

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Okay, aren't you supposed to look at her? Yes.

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And mahira k come and then they say you're rasulillah I I wanted to propose to a woman from Lanza hell in LA How did you look at her go look at her she's not his wife.

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So looking mixing

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all these other things are made unlawful. Why said delivery at a deli is blocking the path the way to a greater sin delillo said this area

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the last year is short Roman pub lenor the Sharia of the nations before us

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shediac man koblin

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provided that we do not have something that says no to it.

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So far, we said there are five religious rulings worship

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recommended permissible disliked haram based on what do you say this one is this one is that this one is that something called is Edie less evidence? There are a list of them the most famous for our son, h ma PS, then it's the top then Musleh ha then set to

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then follow Sahabi then Sherry ochman problem. Now, the one we want to use today to learn today because we're gonna apply to usury is called what the s what is ps?

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Are we doing good so far? Please, I'm gonna feel bad if I feel today to convey that message.

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What is Ts?

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Jani is

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l have qu acelin before in fi helped me in Mim Li a Latin moussaka

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that you join a case that was not established by evidence to another case which was established by evidence in a certain ruling, because there is a wisdom between the two. That wisdom is shared.

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we'd you know we'd write

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article with the Hara masala halal

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haram Allah krahula must have wala dislike disliked Allah haram Holla Holla Holla Holla

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Louis why we

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Soleil day morning and night he smokes he will not give me evidence.

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We got lucky though.

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The final evidence luperon was on

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top and finally undefeated in the sea, using analogy

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I can tell him it's Hara

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alphamed elkem liquor is halal or haram

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Why? Because we have hot Yeah, you're Latina man. Oh, you believe in Nam Alhambra. Well, Marisa well Fiona. So we have a verse so as

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the main

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the main issue that we're gonna join the the the alpha yellow or the

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secondary issue to it.

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Alhambra, Han Qi Salam.

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alaikum Alhamdulillah Allah hora hora. We have evidence in the Quran and the Sunnah. Yes we do.

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Now we have the branch issue which is what we need.

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Now we have to look for the shaved reasoning behind that.

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Why wine is haram

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because it does what

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intoxicates that does wheat index intoxicates Yes. Then we say what we eat is haram using analogy. We joined it to hum

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we're getting that

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we use another example.

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Layer there are a hadoo kumala by a AFI

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if me and my brother right here, that's his phone

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and he is selling it to me.

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You cannot come and offer a price.

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You can't it's haram

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that you come and say he hears his his hearing us that $100 brother 120 haram

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unless by the way if you agreed that this is auction from the beginning that's another issue. Yeah, no fee more for coming out. Well is this headed by a messiah This is Hello this is okay.

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But I want to differentiate between the two because I don't want you to mix the auction with that. You see the auction is agreed upon already the principle is being established that the seller is expecting more than one buyer

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and selling this to the all of these people. Whoever gives me the best price. Let me and my brother in private selling and buying 100 Islam comes and jams 120 Allah hora

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y la jolla hadoo kumala da

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so the the ruling is about selling

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Sorry, brother. I would like to read this from you $20 a month.

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That's renting. Is it halal or haram?

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I'm renting it from renting his Hillel but him jumping 20 on his offering 30 I'm sorry.

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I'm sorry, I didn't explain this. Well, so I'm renting it for 20 a month but then he jumps and he said 30 is it halal or haram? haram Why? using what analogy but there is no evidence and how he speaks about what selling and but I'm renting but using analogy Yes. I joined renting which is a branch to selling and buying

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one ruling which is haram Why? Because the L and the reason why is shaved I will get upset with my brother. If he jumps while I'm selling. Why I'm buying I will get upset also with him if he jumps into the deal while I'm renting.

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So there is what is in Samuel L

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Are we good so far?

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Now can we

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Go to back to ribbon on apply analogy and see what other items can be added to those six items using analogy

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can we we understood somehow somewhat analogy now right now let's go back

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the Hadees

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talks about gold and silver what can be joined to gold and silver

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dollars why

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because gold is valued using what

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silver is valued you figure out the value of gold and silver using what using money therefore money takes the same ruling off

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of gold and silver

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I have $1

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you have $1

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we have to exchange at once

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but my dollar is let's say you know is cut one side of it is cut we're lucky you take that dollar I'll give you another give you $1 I'll give you 50 cents maybe if you're able to use it Can you do that rip

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because that dollar is old ideal example these days and overlay some dollars because it's old from the old times they give it to you for what for know for more money 1015

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silver coins or shabby some way

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or antique? Oh, that's usually

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so money takes the ruling of

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of gold and silver.

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But here is another question what if you're buying

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another currency?

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Let's say you're buying Egyptian Pounds with dollars

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so change your exchange, but with one condition it has to happen at the same time.

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The transaction has to happen at the same time

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in for oxitec said either.

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Yeah, absolutely. But it has to happen at the same time.

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A that had Elgin's Listen to this. Either huddle jeans, fella Buddha, minute acabo to Adam if possible.

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If it is the same type, it must be equal. And at the same time. We're either lfl jeans you start off with Picabo but if we're doing two different things, Egyptian Pounds for dollars, then they do not have to be equal but it must be done at the same time.

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We're getting that.

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So using analogy we joined money to gold and silver.

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I bought about diamonds.

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Salam aleikum, WA diamonds. doesn't apply? No.

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It's if you see diamonds, what about diamonds? You can give one kilo of diamonds for five kilos diamonds. It doesn't apply.

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It's not joined.

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Why did we use money in particular?

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Because the Hadeeth mentioned gold and silver.

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we value gold and silver using what?

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How much is the goal these days? Most offer 117 100 did we say that? How much is the goal? 17 grams of diamonds. Did you say that? Did you use the diamond to value the golden silver? Remember we're confined with the Tex golden silver those two. Now in order to join other items to them. They must have a reason they must have

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a shield reason

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No, you're you're paying for a fee for service

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you pay me 4% that's okay it's here. It's over there. They give you family

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you know the local currency

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for example you said $100 they give them like

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other agency they give them 60

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that's fine that's a selling and buying

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that's fine you buy from whomever you want to buy that Iran

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pray we're done with gold and silver. Now, we use the analogy we use prs to joy in

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money, what about the rest of the four items?

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Low may

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you remember them? What we

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burly dates,

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salt, can we join other food items to those?

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Yes, we can.

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What would be the 11

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something that you eat and something that you measure or wait

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anything which can be eating

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or eating and eating and measured

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with hand will solve for mood

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for handful or placed in the scale anything

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of that nature. The same ruling applies.

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But again, we apply the same rule

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which is what

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what is the same room? Either either to huddle jeans

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Can you exchange one kilo of salt? For three kilos of burly Yes or no? Yes you can but it has to take place at the same time.

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But can you do one kilo of salt for two kilos of salt? No, either hydrogens equal at the same time. Either Stella fulgens if they are different in types.

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It could be different and measure or weight but it has to take place at the same time.

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For you does rice apply?

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Can rice be joined with those four types? Why?

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Because you can measure it you can read it and you it's what

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Ty What about

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somboon soup

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does it apply? Can I give you one soup and you give me 10? Is that Riba? usury No it is not because it is not an item which is to be consumed by eating

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no Jani that's sufficient Yeah, that would kill it.

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We gotta pay for this is what Reba is all about.

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paraiba jelly had a column.

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Reba jelly.

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A cleave crystal clear usury

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wahoo urban Nessie.

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Horrible j Hillier.

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And it is ribon nesea Jani Hubbell Kara will Xia del Masaru olatuja, who had their in mineral Medina mukava looked at G

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is a stipulated increase in payment received by the creditor from the debtor for delaying that for delaying the payment.

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So that's five number one. Type number two huffy hidden

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with some marybelle for

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the Rebbe of increase, what is it? They are no coup de be nuku

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I will be our time Time Magazine.

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You exchange gold silver for gold and silver

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food for food

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with an equal values Vizier

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Now once it came to this type, the Prophet sallallahu alayhi wa sallam named six items only.

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six items only.

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As they have a will they have gold for gold filter for filter silver for silver,

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as shampoo elbowroom will both wheat for wheat

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as shy Ruby shy, burly for burly at thermal victim dates for dates, while mill mill mill salt for salt,

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Navy solid sendmessage.

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If you exchange those six items, he said Mifflin bean is

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equal in size sour and B is our equal in measurement. Yeah, then B at the same time.

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The question that we asked, Can other items be joined to these six items?

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If no has mottos, they said no.

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The majority of the jurists will jump.

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They said yes. Using analogy using the s.

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What is PS analogy? And we'll have qu Aslan before in fi mill, a Latin moussaka

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that you join

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an issue that you don't have an evidence you don't have anything that says anything whether it is halal or haram to another issue, which you have already an established evidence that halal or haram in the same ruling. Why? Because there is a wisdom between the two as

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well as you cannot use analogy in a bad note. And

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can we use analogy and labor that

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can use analogies that you cannot? Why? Because you're not supposed to look for our wisdom. While you do this in the bed. Omar says I'm kissing you rhodiola Juan, I know that you're a Rock which doesn't benefit doesn't harm. I'm kissing you out of what adherence in Nevada, you don't say why should I fast?

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Why should I placed my right and my left? Why should I look down

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Linda Lawson Phil ever that O'Keefe no analogy you cannot use analogy because you cannot come up with a reason why our wisdom why

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also nakida you cannot do that analogy can only be applied in MLS in dealings like this one. Now, using PS you join an issue to another issue in our ruling because of a shared wisdom.

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Now, once it came to gold and silver, what can be joy in money?

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Because if feminie equal like a feminine is the shield between the two

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once it comes to the other types, other items, no matter for they say that anything that can be eaten can be measured way way, way, way right placed in the scale. Anything joined to those four with that rule. If they are identical, they have to be equal

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and on the spot

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if they are not the same, it's okay they can be an equal values but it has to be what on the spot this is

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Lisa Molly

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falaschi Allah Subhana Allah Hamada Hamza shadow Allah Allah Allah and a stockbroker today, while hamdu Lillahi Rabbil aalameen