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Fitna of Riba

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Mirza Yawar Baig

Channel: Mirza Yawar Baig

Episode Notes

This is part of Juma Khutba series on the topic “What will we answer?”, by Sh.Yawar Baig in the Masjid at Mahmood Habib Apts, Rd # 9, Banjara Hills, Hyderabad.

Episode Transcript

© No part of this transcript may be copied or referenced or transmitted in any way whatsoever. Transcripts are auto-generated and thus will be be inaccurate. We are working on a system to allow volunteers to edit transcripts in a controlled system.


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Salam aleikum wa rahmatullah wa barakato.

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Alhamdulillah, horrible. alameen wa salatu wa salam, ala l mursaleen. O Allah, Allah, he was happy as rain

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for bad.

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My dear brothers and sisters,

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we are on the question of the cover, which is Medina, what is your dean, and we've been talking about the meaning of the word Dean. And as I explained, Dean is not a set of rituals in worship, then is an entire way of life in which the rituals of worship are a important part, they are an important part, but that they are not the sum total of the

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we seem to live under the impression that as long as we are doing the rituals of worship, the rest of it is left to us, we can do whatever we want.

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And always say it's a free world, not just a free country, you're free to believe whatever you want.

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But no belief is free.

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We are free to choose whatever we want, but no choice is free, every choice comes with a price tag with a consequence.

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And only somebody who is completely devoid of any intelligence will choose something either without knowing what the price tag is, or knowing

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the price tag, which they know they cannot pay.

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This is a sign of absolute vacuum in the head.

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Because why on earth and how on earth will you choose something either knowing that you have to pay it either without knowing what the price is? Or knowing that the price is something that you cannot pay?

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So it is in our interest to ensure that we know the price of our choices.

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And in this context, we were talking about the issue of Riba the issue of interest, the issue of

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the wide spread

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influence of commercial banking.

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And I mentioned to you the the specific Ayat of the Quran, the ayat of Surah Baqarah, from 275 to 280.

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And I want to reiterate that today, because this is one of if not the single biggest problem with this.

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That we are indulging in something which is not only Haram, but something which Allah subhanho wa Taala Jalla Jalla Allah who promised to destroy

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and something about which Allah subhanho wa Taala declared war against the one who indulges in it.

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And therefore, I remind myself when you it is well within our interest. It is the culmination of priorities for us to ensure that we do not fall into something which Allah subhanaw taala promised to destroy, unless we believe that we have strength which is superior to Allah, unless we believe that we can actually win this war with Allah. And in which case, of course,

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you are responsible for your own choices.

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To look at the translation of these Ayah

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starting from Surah Baqarah 275. Allah subhanaw taala said those who eat Riba will not stand on the Day of Resurrection, except like the standing of a person beaten by shaitan, leading him to insanity.

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And that is because they say,

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trading is like rubber.

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They will say I'll buy a mystery back.

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And then Allah subhanaw taala made a statement. And this statement is a reflection of the glory and majesty of the lawmaker. The glory and majesty of the Creator. The glory and majesty of abode I mean, the glory and majesty of bhullar shall carry him the glory and majesty of the one who will who we will stand before Maliki oma Dean,

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who said about himself on that day aloha

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Haha

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and that statement is a Holla Holla Holla

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Holla mareeba

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see the glory and majesty of that statement

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saying they are crazy they are insane because they say trading is like Riba.

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And what is the justification? What is the answer that Allah Subhana Allah is giving to that statement the trading is like Riba.

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Allah subhanaw taala saying,

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Allah subhanho wa Taala made

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trading permissible and he has forbidden Riba.

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halala via trading is halal

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By Allah, Allah Allah. Allah has made halal

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by Alba trading

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and he made Reba Hara

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I'm saying the glory and majesty because Allah subhanho wa Taala does not even bother

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to explain to us the intricacies of interest based financing and why it is detrimental to society.

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Something with the owners of companies,

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non Muslim owners of major corporations, they understand very well and they run their corporations without a single cent of bank borrowing.

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Microsoft is one

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no bank borrowing.

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Aditya Birla group miroir is no bank borrowing

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reliance before Ambani died before Dhirubhai Ambani died, Reliance Industries, not a central bank borrowing Now, of course, their sons have learned the language of so called leveraging finance and we'll see where it takes them. But until he died, not a central bank bought bank boring Infosys not a central bank boring.

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You know why Allah subhanaw taala creates these examples for us, among people who are not even Muslim, to establish the hood just against us on the Day of Judgment, no Muslim will be able to say this could not be practiced. No Muslim will be able to say I could not grow my business because I did not have access to non interest finance.

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You want to grow a business? How many of you who have got businesses equal to Microsoft?

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The sales of Microsoft is a major part of the GDP of this country.

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No excuse, no excuse and the glory and majesty of Allah statement. Allah Allah Allah.

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Allah subhanaw taala says I have made trade halaal and I have made Riba haram

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there is no need for the creator of the universe before whom we are going to be standing on the day of gentlemen to offer justifications to us. There is no need for him to say anything that it is hard because I said so. This is haram Because I said so. There is no other evidence that is required. There is no other reason that is required, except that Allah Jalla Jalla who made it halaal Why is it because I say so. Why is it haram? Because I say so. You got a problem with that, then I got a problem with you.

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jelajah Lalo

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This is the principle of everything which is halal and haram in this deal. Why is it Allah? Because Allah subhanho wa Taala said, so I'm not saying that there is no other worldly reason. I'm not saying there's no other

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intellectual reason or no other commercial or financial or whatever reason. All of those reasons are there. But that is not the reason why we don't do that. We don't do that because Allah said no.

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Even if every single reason was turned upside down on its head,

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still we would not do that because Allah subhanaw taala said, No.

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That is a Holla Holla Holla Holla Holla mareeba is an ayat which is a which is a lesson in taqwa. The diet has nothing to do with Riba according to me that is has to do with the man. The diet has to do with taqwa that it has to do with that with which we will stand before Allah subhanho wa Taala Jalla Jalla Oh,

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my dear brothers and sisters, we live in a city of power.

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We live in a city of museums. We live in a city where people had wealth, which to this day has not been rivaled. We live in a city where other people who didn't even have that wealth, who didn't even know those people get vicarious thrills out of talking about that wealth.

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But strange other ways of the maker, and strange are always

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shut down has put curtains over our eyes and our ears.

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And we refuse to see an ask a very simple question. That question is, where are those people today, whose wealth we talk about? Whose palaces we talk about? Whose garden parties we talk about? Whose court and the court matters we talk about, whose jewels we talk about and go and look at? You pay a fee to go and look at those jewels, which were their their own did the war it, they would pick it up and throw it at somebody and it became this. Where are those people?

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Where are those people? We ask Allah to forgive them and give them genda? Where are those people? They are before Allah subhanho wa Taala not based on this wealth, but based on what they took with them.

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And this wealth with the left behind? They will give us up for it in the Masha Allah, if Allah subhanaw taala chooses not to take his up, this is in his control.

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But he said and his name is Ali Salam promised us that Allah subhanaw taala will take Isa

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Holla Holla Holla mareeba.

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And then Allah subhanaw taala says Oh, Whosoever takes this warning and accepts this warning and receives this admonition from his rap and stops indulging in Riba will not be punished for the past. All you need to do is to say from today, I will not do it. That is it. Whatever you earned is yours becomes valid. You don't have to give it back to anybody. You don't have to do anything with it. You can use it halaal provided you make Toba and say I will not take it from today.

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Allah did not say calculate all the interest that you ate, and then give back a foreigner for this No.

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No, whatever came to you till now, you make Toba that becomes valid use it becomes valid.

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But don't make Toba and die in that state. And you have accepted a declaration of war from Allah subhanho wa Taala gelato. And you know and I know the consequence of that.

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And whosoever accepts this warning and receives this admonition and stops eating Riba will not be punished for the past. His gaze is for Allah subhanaw taala to judge, But whosoever returns to Riba, Such are the dwellers of the Fire and they will stay there forever.

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They will abide there in

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their lesson Allah subhana wa tada Allah Allah Allahu Allah will destroy Riba Yamaha con la horiba.

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Allah will destroy Reba. What is your belief about Europe?

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Is your does your rupture life

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does Europe have you has your Rob Britain jokes in the Quran?

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Has your robe written things in the Quran? Which are the oh I didn't mean that.

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Is this your belief about Allah subhanaw taala? Or is it your belief that what your Rob and Myra wrote in the color in his column is

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that it is there until the end of time?

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That there is no doubt in it. Radical kita Oh,

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La La Buffy

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and

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Turkey.

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If this is your belief, the listen to what your upsets Yamaha por la horiba Ruby socket, Allah will destroy Riba and will give increase for sadaqa and Allah does not like disbelievers and sinners.

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Wireless 1000 disbelievers when he's talking about rubber

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today, we take great pride in this fact.

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I am the chairman of Citibank.

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I am the country manager of HSBC.

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HSBC

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HSBC is another

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all four letter words must be avoided

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we take great pride Oh my son has got a very good job in the bank

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in Alabama

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I'm giving my daughter she's got a very good

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you know

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very good What do you call it what is English word Baba Maulana Alliance

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call it Alliance lose two countries

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to join family that was the two countries they weren't even more than two countries.

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Very good Alliance. What is the what is the boy do? Oh, he's got a very good job in a bank.

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To Allah maybe you are not in that? Zamora you are not in that group. So you brought up your daughter eating halaal and now you are giving her to somebody who is eating her.

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So now she's going to be eating her

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in the delay when Allah Rajan please open your eyes, open your eyes. I didn't make the Lord. Don't glare at me. I didn't do anything.

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This is a law of Allah subhanho wa Taala

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he promised to destroy it.

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Then Allah said to those who believe and do deeds of righteousness and perform and establish our salah and give Zakat, they will have the reward with their rub on them shall be no fear, nor shall the greve la una la himolla home you know, we ask Allah subhanaw taala to make us all among those insha Allah

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and then Allah said oh you who believe Yeah, you

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know, what is the meaning of what is that the indication any if it begins with this,

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what does it mean? It is a Hong Kong it is a Hong Kong for Allah anything which begins Yeah, you know, if you are among those who believe this is a Hong Kong direct Hong Kong to you

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know,

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be afraid of the displeasure and anger of Allah and give up what remains due to you from Riba From now onwards, if you are believers,

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if you are believers, so what is what does it say about ourselves if you don't give it up? What is a statement you are making about yourself if you do not leave Russia now?

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I don't want to say you say to yourself,

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then Allah said and if you do not do it,

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do not do what? Leave Russia.

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Now, now, not so much and financially now.

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And if you do not do it, then take notice of war from Allah and His Messenger sallallahu sallam. My brothers and sisters, we need the shofar Otto Muhammad Rasulullah sallallahu alayhi salam on the Day of Judgment. We want Rasul Allah sallallahu alayhi salam to intercede for us and to say Allah forgive his sins and enter him into gender yes or no. We want to say Allah comes by anyway.

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Those who deal in Riba

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on the day of judgment when they land on the Milan of Hashem the melodica will give them Swartz with their hands. And they will say you accepted the declaration of war from Europe, there is your go and fight.

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So all the bank managers and bank owners and people who are dealing in Riba and taking interest to build houses and, and paying interest to build houses and mortgages and taking buying cars on loans, and Allah knows what

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educational loan

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be prepared. Learn some swordfighting while you're about it, because if you don't leave this, that's what you're going to be doing.

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I hope I made myself abundantly clear yes or no. Please notice, I'm not asking you to like what I'm saying. I don't care if you like what I'm saying or not. Is it clear?

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Yes or no? Yes. Because I am your witness.

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And you are my witness. We are witnesses to one another on the Day of Judgment.

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As the witnesses to something which is good. We ask Allah subhanaw taala to join us together which is W Muhammad sallallahu alayhi wa sallam under the shade of his ash as people who believed in Him and who left Riba because we understood that we do not want to have war with Atlantis.

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And then we asked Allah subhanaw taala, to be the witness for all those who make Toba now

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and to decree that Muhammad Rasul Allah Salallahu alaihe. Salam will be our shafa on the Day of Judgment, and we ask Allah subhanaw taala to accept Tisha in our favor.

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For all those who make them. Do we make Toba?

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inshallah, I'm not asking who makes Toba let that be a secret between you and Europe? Nobody needs to know. It's between you and Europe.

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But leave it

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leave it and leave it now. Make the Nia now make Toba now. And when you go out of here after Juma do what needs to be done to legally get out of this trap, that you have walked into yourself.

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And if you do not do it, then take notice of war from Allah Subhana Allah and His messenger. But if you repent, you will have your capital sums do not deal unjustly

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by asking more than the capital meaning if you have given a loan to somebody don't and even if you add give you or agree to some interest, give it up, get back your capital. And I'm not saying give it up.

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And you will not be dealt dealt with unjustly do not deal unjustly and you will not be dealt with unjustly and if the debtor is in hard times. Then grant him time till it is easy for him to repay. And if you remember it who said don't worry, it doesn't matter. Take it away. I don't need the money to give it away as charity that is better for you if you did but no.

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And this is the beauty of Islam.

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This is the beauty of Islam. Allah subhanaw taala gives without. And Allah swatara tells us you also give without

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Allah subhanaw taala gives without counting Allah Allah gives even though we don't deserve. So Allah says don't look too deeply about what people deserve.

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Treat people and give people more than they deserve and I will give you more than you deserve. He gives us more than we deserve. Anyway.

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My brothers and sisters, universal Delano narrated and he said that there is no one who deals in Riba

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to increase his wealth, but he will end up with his wealth being decreased.

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He knows all Abdullah webisode alano narrated for us was a solemn, who said

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that there is nobody who deals with interests with the idea that his wealth will be increased

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but his wealth will be decreased.

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rebar is the biggest evil and it is one of the only two things for which Allah subhanaw taala declared war on the one in finished. The other one is to travel a devoted slave of Allah.

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The problem with Reba is that we Muslims have not made a serious attempt at creating a robust global interest free economic and banking system. There are jobs being made now and again And may Allah subhanaw taala give them success, but imagine if this had been done in the interests that is there now in Islamic banking and non interest banking. Imagine if this was done several centuries ago, as indeed it should have been done. Instead of working on creating

00:24:03--> 00:24:05

a robust interest free system.

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We went fatwa shopping,

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like we do now

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to find somebody a compatible alum who will give us a fatwa to say that Riba is, is allowed. So we found these compliant MFIs, who took this evil on their own heads, and they allowed something that they had no right to allow.

00:24:29--> 00:24:46

The whole argument of Riba being allowed and permitted in dharohar is absolute nonsense. And only proves that the Mufti given that fatwa has either no knowledge of the or that he is motivated by something other than taqwa of Allah.

00:24:48--> 00:24:54

Let me quickly explain this issue of dharohar because we know that there are these fatawa floating around in this in the city

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and these because of these fatawa that no serious attempt

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has been made to create a robust non interest banking system

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and Muslims felt free to indulge in hora.

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There are three terms that are used for a country.

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These terms are not from the Quran, these terms are terms of which they had, which various Allah have mentioned three terms. One is Darul Islam,

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a place where the Islamic Sharia

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is enforced completely, not bits and pieces like we have in most of our countries, where the Islamic Sharia is enforced completely.

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Now, please use your intelligence.

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If the Islamic Sharia is enforced completely, will interest based banking be permitted Yes or no? No, right? No.

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So there is no question of any interest with banking in the

00:26:03--> 00:26:03

second situation.

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Darul aman.

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Aman is a place where a Muslim is permitted. Please note, I repeat, read my lips, a Muslim is permitted to practice his religion completely.

00:26:22--> 00:26:31

Which is a country like ours, India, which applies this Daro, Amman applies to practically every western country that you can imagine.

00:26:33--> 00:26:57

Because there are no laws to prohibit a Muslim from practicing his religion in any of these countries. Whether it is Australia, whether it's America, whether it's US, Canada, UK, you name it. There are no laws prohibiting Muslims from practicing their religion. There is nothing to prohibit you from praying from fasting from going

00:26:58--> 00:27:18

from establishing your massage and mother is from teaching and practicing Islam from doing anything you want. As long as it is in the Sharia. The Sharia is not the law of the land. Please understand that all Amman is a country which is a secular country, which might even be a theocratic country might be a Hindu country or something. But

00:27:19--> 00:27:30

despite the fact that the Sharia is not the law of the land, the country the government permits Muslims to live according to their religion there is no interference in the practice of your religion.

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In such a country

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can you practice your religion fully? Yes or no? Yes, that is why it's called a man

00:27:42--> 00:27:53

in which case what does your religion say about interest? Is it Hallo Hara Hara? So, where is the question of taking interest in a country which is dharma.

00:27:54--> 00:28:06

Let's go to the third point dharohar place of war if our country is Darrel herb, what is your number one priority to fight

00:28:07--> 00:28:12

it is a place of work, your number one priority is to fight

00:28:13--> 00:28:31

your priority is not to build a business your priority is not to buy property your priority is not to do this and that is it is their own heart if you are at war in that country, then what must you do? fight the war where is the question of interest based banking or any kind of banking for that matter.

00:28:34--> 00:28:46

So, now, if somebody tells you that India is dharohar bet therefore, you can take interest, they are making two mistakes. first mistake is they are declaring a country which is Darul aman to without

00:28:47--> 00:28:48

Indian India

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the very fact that all of us are sitting here and we are in this budget and we are I am making this whole pie and you know and I know that in this country there is no prohibition on me to say anything I want concerning this religion. Absolutely no problem.

00:29:07--> 00:29:12

So, this is the first question when you say that, that's the first mistake that you are calling a country which is dark.

00:29:13--> 00:29:21

And third second second mistake is if in fact it is dharohar then permitting of interest is completely senseless because there is there is no such permission.

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And that's the problem is what we call scholars for dollars.

00:29:28--> 00:29:59

Right? You get the scholars for dollars. Stay away from them, because as I explained to you, a fatwa is only an opinion. It is not a hoax. It's not a ruling. a fatwa is the opinion of the Mufti about a fuckup and it does not and it cannot change the hook. When the whole game is directly from Allah subhanaw taala or his messengers, Allah Allah Allah was I was alum, then all the fatawa all the fatwas in the

00:30:00--> 00:30:33

The world together cannot change an iota of the haka. When we are doing something about which there is a hokum, it is our personal responsibility to ensure that we follow the getting a fatwa from somebody and taking refuge behind that, and violating the hokum will land us is in trouble, as surely as the sun rises in the east, make no mistake, that fatwa is a piece of paper,

00:30:34--> 00:30:44

it has no validity and anyone who believes I have got a fatwa therefore, so and so is answerable, is living in fantasy.

00:30:46--> 00:30:57

That so and so is answerable, no doubt about that, but he's answerable for what he did. He's not answerable for you, you are answerable for yourself. make absolutely no mistake.

00:30:58--> 00:31:18

This dubious and wrong. Fatah cannot save us and cannot save the Mufti who gave it halaal is halal, and haram and is haram and Riba in all its forms. The most common of which is bank interest. is haram, haram Haram.

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Think about this, I want to end with this. Because we have a majority of young people in this budget Alhamdulillah.

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And we are people who are educated, we're in all kinds of areas.

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And that's the reason I'm saying this. Think about this, if instead of trying to hide behind dubious photography, if we had seriously sought to create an interest free system,

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I at least have no doubt that in 14 centuries since this, since these eyes were revealed, we would surely have devised a grid system. And consequently, we would have been the rulers of the world.

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We would have been the rulers of the world because Make no mistake, it is those who run the banking system.

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They are the ones who rule the world. Not the Presidents not the Prime Ministers, not the generals, not the admirals, the bankers

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around the world,

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imaginary if you and I were bankers.

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And there's no need to imagine, this is doable even today, you can create a non interest based banking system, which will eradicate poverty

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which will genuinely help the poor

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which will clearly enfranchise those who are really disenfranchised, saying one man one vote makes no sense when that man is living in a tin shed somewhere.

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economic well being

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is as important

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as well being of the body and the mind.

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And this is what a non interest banking system can do.

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And that's why I'm saying this to I'm putting this to the challenge, do this. Take this upon yourself. And believe me, you will not do it until you first make power to Allah subhanho wa. And until you get rid of all the interest that you are stuck in, then you will feel the pain and that pain will drive you to success until you are sitting in a cushy bank job.

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ignoring the fact that you are eating fire,

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you will not make any effort. But when you leave that bank job when you hit the street, then your mind will start working.

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Then you will understand yes I have

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abilities, then you will start playing then you will cry before Allah subhanaw taala then you will recognize your rasa core does not need you to indulge in haram to fill that little belly of yours.

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Then you will understand what is the meaning of inala horas de Lovato Motrin

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and then you will be on a high that nobody can take you down from

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that will not happen as long as you keep hiding behind these false photographers of self interested move these May Allah subhanaw taala protect us from that.

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My brothers and sisters

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My advice to those who are making the effort is to fear Allah

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and not to take shortcuts and talking about those who are making efforts for Islamic banking. My advice is don't take shortcuts. Don't try to clone the same products and different terminology

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Be honest and don't try to bend the rules. Keep the rules sacrosanct which it is, and work with that rule. So that the products and services you create a truly Allah

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We ask Allah subhanaw taala to give power to you, we ask Allah subhanaw taala to be pleased with you, we ask Allah subhanho wa Taala to help you and guide you. And we ask Allah subhanaw taala to make you those who will not only enter Jannah but you will not enter Jannah alone.

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We ask Allah subhanaw taala to make you among those who will enter Jannah and who will lead hundreds and 1000s and millions of others into Ghana, we ask Allah subhanaw taala to make you among those who create those systems, which will make a halal income a default situation for people. We ask Allah subhanaw taala to make you among those who will give power to the weak, who will help the oppressed, who will eradicate poverty, who will stop lying and cheating to yourselves, because there is no one else who for We ask Allah subhanho wa Taala to help you to be those who will become standard bearers of Islam. We ask Allah subhanaw taala to help you to be those who are confident about this Deen, who

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don't hide behind things who are not apologetic about this Dean, who don't run behind bushes big when the moment somebody says Muslim, we ask Allah Subhana Allah to help you to be among those who's walking who's talking whose appearance who's eating and drinking, whose homes and our society will be recognized as Islamic in the truest sense of the term as being the true believers and as being the true followers of Muhammad Rasulullah sallallahu alayhi wa sallahu wa salam, wa salam ala nabina Muhammad Ali, he was happy as you might be Rama to get Rama, Rama, Rama, Rama, Rama, Rama, Rama armor. I mean,

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I mean, we'll have to get out