Channel: Mirza Yawar Baig
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either evil hamdulillahi rabbil Alameen wa salatu salam ala shuffelin ba will mousseline Muhammad Rasul Allah is Allah Haile he while early he was saying he will sell them to Steven cathedra and cathedra oh my god, my brothers sisters in my halacha last week, someone challenged me about the prohibition of interest based finance and said there is no alternative. So what can we do?
Without interest based finance, Muslims can never have a big business or industry.
I asked him, no alternative to what
no alternative to making money buying a house or whatever, or no alternative to buying the enmity of Allah subhanaw taala and as well as insulin
so ask yourself, What am I buying? What am I buying a house?
war with Allah subhanho wa Taala endless war licensor.
Allah subhanaw taala said very clearly as we know in some of the Bacara all we live in a shaytani R rajim Bismillah R Rahman r Rahim. Yeah, you hola Dina Armando taco la hubba Oh, my Buffy I mean, we've
called them mini fire lambda Frolova and Obi Harvey when Allah He was only when turbo Tom Viola Palmer awesome wily. komla docilely Moon our up was
a last round that ever said which means all you who believe fear the anger of Allah be afraid of the anger of Allah subhanaw taala and give up whatever remains due to you from river from interest. From now onwards, if you are really believer, it is a conditional statement. Allah is saying if you are believers give up interest based dealings.
So if you do not give up interspace dealings, what does it say? Let me leave that you answer. So Allah is saying, Oh, you will believe be afraid of Allah subhanho wa Taala and give up what remains due to you from riba from interest. From now onwards, if you are really believers.
And if you do not do that, then take a notice of war from Allah Subhana Allah and His Messenger sallallahu alayhi wa sallam. But if you repent, you shall have your capital sums do not deal unjustly by asking more than your capital sums, and you will not be dealt with unjustly by receiving less than your cabling sums. Now
nobody can say after this, that the matter was not clear.
Do we really want to live as Allah's enemies? Let's ask this question.
And if you think that the word enemy is too hard, then ask yourself another question. Very simple. What do you call those you are at war with
friends, help us supporters or enemies.
I thought therefore, that I would put this matter to rest by giving you some facts. Let me start by saying that buying war with Allah and a source of Salah is not an option for a Muslim.
It's not an option. We don't go there. We don't even think about it. Nothing is what that is the
one What am I seeing here?
Let me do a primer for you. We have two options, option one, get into interest based finance interest based transactions and write our name in the list of the enemies of Allah.
II doubt for a haram stuff and get our Riba and dua deleted. That's the first option. Second option is choose to live life with dignity as good Muslims and remain in the list of Allah subhanaw taala Alia
and look forward to his forgiveness Insha Allah, whatever Allah subhanaw taala decreed for us will come to us all the effort we make to get it we reward and when we die, we hope to die with Allah's mercy. Now, which is better of the two.
Let us get this settle once and for all. And decide that we are not going to sacrifice our Acura for this life.
about believing that there are no alternatives to interest based finance. Let me assure you that we have many alternatives. What we don't have is excuses to disobey Allah subhanaw taala and indulge in Haram.
What we must do therefore is to change the glasses
through which we see the world. First, let us ask ourselves if we believe in resurrection
and the meeting with Allah subhanaw taala to give account for our lives,
that is where we need to start. We are Muslim. And that means that Allah subhanaw taala to the law, His pleasure should be the basis and criterion for all our decision making. Fundamental to that is our faith in resurrection, and accountability.
For Muslims, all decision making must be based on that. And not on making money alone. Because remember, our money will stay here when we die, but the way we made it will go with us.
That is why the title of my hot buys change your glasses, change your glasses, just as if our side starts to get foggy and blurred. We go to the ophthalmologist to check if we need new glasses. So also, when our stride is getting blurred with the fog of dunya, we must turn to Allah subhanaw taala. To clear our vision. The Sahaba require a much vain look at dunya through the lens of the obedience of Allah subhanho wa Taala
cleaned and polished daily in the Sahara in the company of Rasulullah sallallahu sallam.
Not only did they not have an alternative to obeying Allah subhanaw taala. But also they did not even sequin they did not even look for an alternative.
So Allah give them the dunya and akhira.
We, on the other hand, have turned their criteria upside down on its head,
we look at the obedience of Allah subhanaw taala, through the lens of our desires,
and our desires have no alternative for us, we have made our desires supreme in our life. So ALLAH SubhanA, Allah does not give us the dunya or the Accra.
And may Allah Subhana. Allah protect us from what will happen to us in the akhirah. If we die in the state,
when there are two things, one which is clearly superior, and the other one which is clearly inferior, what would any intelligent person choose?
It is actually that simple.
So I have inside of the alarm, the radio that also lies all right sallam said, if this world, if this world were equal, if this world were to be equal,
to in equal meaning equal in value, to the wings of a mosquito, in the sight of Allah subhanaw taala, then he Jalla Jalla, who would not have allowed the disbeliever to even have a sip of water from this word.
But Allah gives wealth, unlimited width
to people who not only do not believe in him, but who actually abused him and who actually say all kinds of things about it. And it doesn't care, because the value of this dunya in the sight of Allah subhanaw taala is nothing.
I want to explain to you here, the word Dunya doesn't mean the geographical world. It means the intentional adoption of anything, which causes one to become forgetful of Allah subhanaw taala, irrespective of what that thing might be.
Thus, acquisition our wealth and power and fame and seeking pleasure is not evil. But how about dunya love for the dunya at any cost? This is evil.
So one of the law narrated that also Allah is the law Salam said, the people will soon summon one another to attack you, as people when eating invite others to share their dish.
Will that be because of our small numbers at the time Ya Rasulullah sallallahu sallam? He replied Salah in Salem? No, you will be numerous at that time, but you will be like scum and rubbish that is carried down by a torrent on the surface. No wait. And Allah will take away fear of you and respect for you and is for you, from the breasts from the hearts of your enemy. And insert in there in your hearts. What
So somebody else,
what is what can you summarize, as far as LSL replied, how badania Okara here two modes, love of this world, and dislike of death,
wealth, spouse, children, our
are like the ocean, and our heart is like a ship, the ship deeds, the water, to move to Ceylon, but the water can also sink the ship. If the water remains outside the ship and the ship is floating on the water, then it is it selling, it's silly. But if the water enters the ship, then the ship will sink.
So it is not water, but where it exists, that comes.
That is also the case with all the material things that we love in life. They can be beneficial if they remain in the pocket and the hand. But if their love enter the heart, it will destroy it.
My brothers and sisters, our heart must love something.
It can't remain free from love, it can't be free of love. Our choice is what we choose to love.
And this must be a conscious choice and active conscious choice. That doesn't mean we hate everything else. It just means that we prioritize and give the thing
or the one we love the most time and energy and space in our lives. The rest is incidental, you pay attention to it, when what you love gives you the time.
When water who you love,
owns and controls everything.
Then how can you fear losing
When you are connected to the creator and the owner of the stuff
don't get stuck in stuff.
The bad idea.
Hatem Allah sobre la la, the grid squatter. Now for Assam is reported to have said,
every person has an enemy. He said that I saw that every person has an enemy. So I said to myself, let me check who by enemy is.
As for one who back bites me, he's not biting me, because he's giving me some good things. So his good deeds, or the one who will take something from me. He's also not by rather, my enemy is the one who commands me to disobey Allah subhanaw taala when I'm obeying this, I saw what shaitan and his soldiers so I took them as my enemy and I waged war against them. I use my bow and I shot my arrow and I never let him come near me.
That is the key. The key is to recognize Satan as our enemy
and to fight it.
Instead, we treat each other as our friend
and Allah subhanaw taala as our enemy
stuff and Allah Allah them in that Allah He went earlier.
Then we wonder why we are so stressed and fearful and struggling without success.
Let me give you
this question with us. Let me give you some concrete examples in the corporate world of companies which have zero debt, but are highly successful, and our secure investment
Infosys established in 1981 operates in more than 50 countries globally, employing
over a close to 350,000 employees
has a predicted revenue.
Second quarter 23 of four and a half billion dollars.
4.5 billion. Infosys is a debt free company. It has no short term or long term borrowings.
The crucial rating for Infosys is AAA, which is the highest rating.
Other debt free companies are
NCIC, dogs picks all of the excellent investments.
There are basically three sources of Halal Trump's angel investors, people who will give you an interest free loan, venture capitalists and the public.
Even when you go to the public and list your company, you will need working capital to develop it to the point when you will go public
Angel investors are good, but they're not easy to get and are usually limited to smaller amounts.
But venture capital is a different matter. Over the past 30 years, venture capital has been a source of financing for high growth startups, Amazon, Apple, Facebook,
Google, Intel, Microsoft Whole Foods and countless other innovative companies or their early success.
certainly the certainly partly and to be extent, to the capital and coaching provided by VCs.
So give you an example.
Jim Breyer, the founder of Breyer capital, and the first VC investor in Facebook says that high quality deal flow is essential to strong returns.
Now, deal flow is defined as the number of quality
investment opportunities with the company or investor at a given point in time. What is Jim Breyers primary source of leads? Listen to this one. He says, I found that the best deals often come from my network of trusted
friends, investors, entrepreneurs, and professors.
Think about this.
What he's saying is that
his first got his first filter is
his own friends and network. What does that mean? If you are the guy with a brilliant product or service idea, but no network, you're not plugged into
a network of VCs. It means that you are highly likely to take your great idea to your grip.
The seven results reveal just how difficult it can be for entrepreneurs who are not connected to the right social and professional circles to get funding.
Few deals. Very few deals are produced by founders who beat a path to a VCs door without any connection.
Now pause for a minute and think about what happened in this community. Just a couple of weeks ago,
we had the FinTech bootcamp in Winnick, Western New England University, WN e. W. wn EU, which was designed to help youth get an insight into VC financing, startup challenges, building powerful networks, and so on.
Which pitch works best, and so forth. It was a free event with free lunch.
All you needed to do was register.
I know how I know how much we try to promote it.
Remind after reminder was sent out.
Guess how many of our youth took advantage of this opportunity?
Nice. Number three.
There's a saying in English. You can take a horse to the water, but you can't make a drink.
But what do you say about the horse to which water is brought, but it still doesn't drink.
As you can see, the issue is not about a lack of alternatives, but a lack of initiative on the part of those who like to complain about a lack of alternatives.
If you have a good idea,
you do your homework, create a poor prototype, test market it and pitch for Halal VC finance, you will get it you have a good chance of getting it provided you pitch to the right people. And that depends on the network that you are in.
The survey that I mentioned you found that for each deal, a VC firm eventually closes on average, they consider 101 opportunity. So one out of 101
and they've given a nice break up of that they say 28 of those opportunities will lead to a meeting with management. So from 101 We have come to 28 million the literally 80% of it is
is discarded from brain to the reading.
Out of that when the 10 will be reviewed at a partner meeting 4.8 will make it to due diligence
1.7 will move to the negotiation of a term sheet with the startup and only one will be funded.
Don't let it intimidate you. If you are that one, the rest of the matter.
Some big names are secured VC financing. One was Sabir Bhatia.
Have you heard of somebody?
You haven't. Have you heard of Hotmail? You have everybody else the guy who invented Hotmail, the first internet based free email service. He sold it to Microsoft for $450 million. In those days it was big money.
Sun Microsystems is another one. What does this tell us about VC financing. High tech businesses with a strong growth prospect have a high chance of being funded. Traditional businesses with low growth prospects are not likely to make the Great
was get out of your comfortable boxes and fish in the sea. If you want to catch big fish, encourage your children to develop business ideas, expose them to networks of the right people. For that you must free them up from standing at your cash register.
on their part that was used that time to you doing useful things for their careers and not hanging out with other heads.
There's almost no ceiling to what a VC will find provided it excites him. But I have yet to find a VC who finds the gas station or convenience store exciting.
Bottom line, hello sources of funds are available. If you want to find them, and you want to do what it takes.
Excuses do not change reality. Being at war with Allah subhanaw taala is not a good idea.
Going forward, what must you do?
Let me address you.
Make a YouTube video
for which you will easily get 10,000 views.
On the first day, maybe in the first hour.
What we do listen carefully on a nice bright sunny day. Take your PlayStation five out into the backyard, place it on a flat rock and take a sledgehammer and smash it. Make sure you set up your camera in advance. I would recommend Welcome to the jungle of Guns and Roses as the background music as you pound the PlayStation two part then package the PlayStation butter and five RAM packs and sell it on eBay.
Then what you should do in your spare time
is watch Shark Tank and Dragon's Den Shark Tank is the US and Dragon's Den is in Canada to have the best reality VC funding shows that I know take notes and imagine yourself in the place of those pitching for funds. What would you do differently and more powerfully. If you are a real taste of Shark Tank and Dragon's Den, I will be happy to set it up for you here
you will suffer you will weep and you will learn until you are ready to go to the real thing and power your way to success on Halawa.
To succeed, you must first want to succeed.
That may sound like a no brainer, but it isn't. Just see what you do with your spare time and it will tell you if you are a winner or a loser.
This is a society which supports deception. It tells you that you are amazing. Fantastic, fabulous. You're not? You are not. You are an ordinary person like everyone else.
Unless you do what nobody else does.
Check when you wake up.
What time do you wake up? What do you do after you wake up?
Ask yourself which are your most difficult and most unpleasant tasks in the day. And then make them your priority everyday.
Do what you hate the most first. That is the mental and spiritual gym that we need to build real strength.
Your success is right here in your hands. But you need to change your glasses to see it.
Ask Allah subhanho data to help us to see what is true. And to differentiate from falsehood
Hello I'm Matt
we're so connected.
Why in the world why do you know the battle the battle was organized in?
One assures the truth for the truth and help us to follow it and show us falsehood from falsehood and help us to stay away from it. Or Sinhala, up while Ali he was I will name it out together