Mirza Yawar Baig – Investment not Charity – 2

Mirza Yawar Baig
AI: Summary ©
The concept of charity Islam is discussed, including the return on investment and the importance of rewarding one's investments with a good deed. The reward is based on the amount of money spent and the amount of power possess, and is given to individuals with a good deeds and promises to reward their actions. The importance of faith in Allah's actions and promises is emphasized, with a focus on rewarding one's actions with a good deed to increase their faith.
AI: Transcript ©
00:00:12 --> 00:00:14

My brothers and sisters, we were talking about

00:00:15 --> 00:00:17

the difference between investment and charity and trying

00:00:17 --> 00:00:18

to understand

00:00:19 --> 00:00:19

the the

00:00:21 --> 00:00:23

the concept of charity Islam, the concept

00:00:24 --> 00:00:25

of sadaqai Islam.

00:00:26 --> 00:00:28

And I mentioned to you the issue of

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

the return that

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

Allah gives.

00:00:31 --> 00:00:33

A smart business person

00:00:33 --> 00:00:35

is one who invests in the place that

00:00:35 --> 00:00:37

gives them the maximum ROI,

00:00:38 --> 00:00:39

maximum return on investment.

00:00:41 --> 00:00:41

Therefore,

00:00:42 --> 00:00:43

for the one who has iman,

00:00:44 --> 00:00:46

when he or she is presented with a

00:00:46 --> 00:00:46

choice

00:00:48 --> 00:00:50

of investing in a place,

00:00:51 --> 00:00:53

which not only promises

00:00:53 --> 00:00:56

a minimum ROI of 1,000%,

00:00:57 --> 00:00:57

10 times,

00:00:58 --> 00:00:59

and more,

00:01:00 --> 00:01:02

And that return

00:01:02 --> 00:01:06

is guaranteed by the one who controls everything

00:01:07 --> 00:01:09

as is promised in a place

00:01:09 --> 00:01:12

where you can't take your worldly wealth in

00:01:12 --> 00:01:13

any other way

00:01:13 --> 00:01:14

than

00:01:14 --> 00:01:15

this. The choice

00:01:16 --> 00:01:17

is a no brainer.

00:01:20 --> 00:01:22

So you got 3 issues here.

00:01:23 --> 00:01:24

Number 1,

00:01:25 --> 00:01:27

the return. Number 2, who guarantees it? And

00:01:27 --> 00:01:28

number 3,

00:01:28 --> 00:01:30

that it goes with us when we go

00:01:30 --> 00:01:31

to Allah

00:01:33 --> 00:01:35

In business, to evaluate ROI,

00:01:36 --> 00:01:36

we use

00:01:37 --> 00:01:37

2 parameters,

00:01:38 --> 00:01:40

percentage of return

00:01:40 --> 00:01:41

and risk factor.

00:01:43 --> 00:01:45

So we have 2 options.

00:01:45 --> 00:01:47

We have high risk, high return

00:01:48 --> 00:01:50

and low risk, low return investments.

00:01:51 --> 00:01:52

And that is why government bonds,

00:01:53 --> 00:01:54

real estate,

00:01:54 --> 00:01:56

and gold are chosen

00:01:57 --> 00:01:59

many times over investments in start ups and

00:01:59 --> 00:02:00

futures

00:02:00 --> 00:02:02

because the returns are guaranteed

00:02:03 --> 00:02:04

though they are lower.

00:02:05 --> 00:02:06

Using the same standards,

00:02:07 --> 00:02:08

how about a high return

00:02:09 --> 00:02:11

and no risk? I'm not talking about high

00:02:11 --> 00:02:12

return

00:02:13 --> 00:02:16

and low risk. I'm saying high return and

00:02:16 --> 00:02:17

no risk option.

00:02:17 --> 00:02:19

In this world, it doesn't exist.

00:02:19 --> 00:02:21

There's no such thing as no risk.

00:02:23 --> 00:02:24

Doesn't exist in the world,

00:02:25 --> 00:02:26

but Allah said

00:02:26 --> 00:02:27

about return on investment,

00:02:28 --> 00:02:29

ROI.

00:02:44 --> 00:02:45

Whoever comes

00:02:46 --> 00:02:48

with a good deed will be rewarded 10

00:02:48 --> 00:02:48

times,

00:02:49 --> 00:02:50

Tenfold.

00:02:51 --> 00:02:55

Right? Not 10%, not 100%. 10 times. 1000%.

00:02:55 --> 00:02:58

But whoever comes with a bad deed will

00:02:58 --> 00:02:59

be punished for only 1,

00:03:00 --> 00:03:02

and none will be wronged. This is the

00:03:02 --> 00:03:04

mercy of Allah Subhanahu Wa Ta'ala. You bring

00:03:04 --> 00:03:06

you bring good Allah gives you 10 times,

00:03:07 --> 00:03:08

but he does not apply the same

00:03:09 --> 00:03:10

principle for evil.

00:03:10 --> 00:03:12

He doesn't give you 10 times the punishment.

00:03:12 --> 00:03:14

He said, no. For evil, what is the

00:03:14 --> 00:03:16

what? So the idea being

00:03:17 --> 00:03:18

to even avoid that one.

00:03:19 --> 00:03:20

And then Allah Subha'u wa Ta'ala

00:03:21 --> 00:03:23

after saying this 1,000 percent Allah Subha'u wa

00:03:23 --> 00:03:24

Ta'ala mentioned

00:03:25 --> 00:03:26

those who spend in his path and he

00:03:26 --> 00:03:27

promised,

00:03:43 --> 00:03:45

In Surat Al Baqarah, Allah said the example

00:03:45 --> 00:03:46

of those

00:03:46 --> 00:03:48

who spend their wealth in the cause of

00:03:48 --> 00:03:49

Allah

00:03:49 --> 00:03:51

is like that of a grain

00:03:52 --> 00:03:54

that sprouts into 7 years.

00:03:55 --> 00:03:57

Each bearing 100 grains

00:03:57 --> 00:03:58

and Allah

00:03:59 --> 00:04:01

multiplies the reward even more

00:04:01 --> 00:04:03

to whoever he wills.

00:04:03 --> 00:04:05

For Allah is all bountiful, all knowing.

00:04:06 --> 00:04:08

Now imagine we're talking about 1 is to

00:04:08 --> 00:04:10

10. Here, Allah is saying 1 is to

00:04:10 --> 00:04:12

700 and then Allah doesn't stop with that.

00:04:12 --> 00:04:13

Allah said,

00:04:16 --> 00:04:18

and Allah Subhanahu Wa Ta'ala will increase

00:04:19 --> 00:04:22

over that as He wishes for whoever He

00:04:22 --> 00:04:23

wills.

00:04:23 --> 00:04:26

How much? In keeping with His majesty and

00:04:26 --> 00:04:26

grace.

00:04:27 --> 00:04:30

There is no how much to that. In

00:04:30 --> 00:04:32

keeping with his majesty and grace. We have

00:04:32 --> 00:04:33

the hadith of the man

00:04:33 --> 00:04:35

who made his dua, and he said,

00:04:39 --> 00:04:42

He said, oh, my Rab, all praise and

00:04:42 --> 00:04:44

glory and majesty and shukur is for you,

00:04:48 --> 00:04:49

in keeping

00:04:49 --> 00:04:51

and equal to the glory and majesty of

00:04:51 --> 00:04:52

your countenance,

00:04:54 --> 00:04:57

and in keeping with the glory and majesty

00:04:57 --> 00:04:58

of your creation.

00:04:58 --> 00:05:01

The malaika writing down the deeds of people

00:05:01 --> 00:05:04

and writing down the, the rewards

00:05:04 --> 00:05:06

corresponding to those deeds,

00:05:06 --> 00:05:09

they got flummoxed. They were foxed. They didn't

00:05:09 --> 00:05:11

know what to say and didn't know what

00:05:11 --> 00:05:13

to do because they had never heard these

00:05:13 --> 00:05:14

words before.

00:05:14 --> 00:05:16

So they go to Allah and, of course,

00:05:16 --> 00:05:17

Allah

00:05:17 --> 00:05:19

knows what the man was going to say

00:05:19 --> 00:05:20

even before he said it, and he knows

00:05:20 --> 00:05:22

what he said when he said it. So

00:05:22 --> 00:05:23

they go and say, Arab,

00:05:24 --> 00:05:26

your slave prays due today in a way

00:05:26 --> 00:05:28

that we have never heard before, so what

00:05:28 --> 00:05:29

reward shall be right?

00:05:29 --> 00:05:32

And Allah says, what did he say? Now

00:05:32 --> 00:05:33

when Allah says, what did he say? It's

00:05:33 --> 00:05:35

not because he didn't know. As I mentioned

00:05:35 --> 00:05:36

to you, Allah knows already.

00:05:36 --> 00:05:38

But this is so that Allah is establishing

00:05:39 --> 00:05:42

witnesses in favor of his slave. So Allah

00:05:42 --> 00:05:43

says, what did he say? They said, You

00:05:43 --> 00:05:44

Rabb, he said,

00:05:50 --> 00:05:51

Oh, Ira,

00:05:54 --> 00:05:56

all praise and glory and majesty and thanks

00:05:56 --> 00:05:58

be to you in keeping with the glory

00:05:58 --> 00:06:01

and majesty of your countenance and in keeping

00:06:01 --> 00:06:02

with the glory and majesty of your kingdom.

00:06:03 --> 00:06:06

He says, what reward shall we write? So

00:06:06 --> 00:06:09

Allah says, you write his words the the

00:06:09 --> 00:06:10

way he said them.

00:06:11 --> 00:06:13

You write down what he said. You say,

00:06:13 --> 00:06:14

write his words

00:06:15 --> 00:06:17

the way he said them, and I will

00:06:17 --> 00:06:20

reward him in keeping with the glory of

00:06:20 --> 00:06:23

my majesty glory and majesty of my countenance

00:06:23 --> 00:06:25

and in keeping with the magnificence of my

00:06:25 --> 00:06:26

kingdom.

00:06:26 --> 00:06:28

Imagine this is the

00:06:28 --> 00:06:30

reward the way Allah rewards.

00:06:32 --> 00:06:34

We ask Allah Subhanahu Wa Ta'ala for this

00:06:34 --> 00:06:35

for us.

00:06:35 --> 00:06:37

Now add to that the fact

00:06:37 --> 00:06:40

that whatever we earn and accumulate in this

00:06:40 --> 00:06:42

life will remain here.

00:06:43 --> 00:06:46

Nobody takes it with him. No matter who

00:06:46 --> 00:06:48

we are and what we earn, it remains

00:06:48 --> 00:06:49

here when we die.

00:06:50 --> 00:06:51

But we

00:06:52 --> 00:06:54

will account for it

00:06:54 --> 00:06:55

when we meet Allah

00:06:57 --> 00:06:59

There are no exceptions to this rule.

00:07:00 --> 00:07:02

This is the rule that applies to every

00:07:02 --> 00:07:02

single

00:07:03 --> 00:07:03

creature

00:07:04 --> 00:07:06

who is born. Every human, every jinn was

00:07:06 --> 00:07:07

born.

00:07:07 --> 00:07:08

All their deeds,

00:07:08 --> 00:07:11

all their accumulation, whatever they accumulated

00:07:12 --> 00:07:14

will remain here. But the way they accumulated,

00:07:14 --> 00:07:16

their actions will go with them.

00:07:17 --> 00:07:19

But what we send ahead

00:07:20 --> 00:07:22

and what we send ahead will be preserved

00:07:22 --> 00:07:23

for us

00:07:23 --> 00:07:25

and will multiply. And we will get it

00:07:25 --> 00:07:27

in its enhanced state when we meet Allah

00:07:28 --> 00:07:29

which we all must.

00:07:30 --> 00:07:32

So with respect to charity, with respect to

00:07:32 --> 00:07:35

investment with Allah, with respect to what deeds

00:07:35 --> 00:07:36

we do, good deeds,

00:07:36 --> 00:07:37

these go ahead

00:07:38 --> 00:07:40

and will be preserved for us and will

00:07:40 --> 00:07:42

multiply and we will get them

00:07:42 --> 00:07:44

in that enhanced state when we wait Allah.

00:07:44 --> 00:07:46

Allah Subhana Wa Ta'ala said,

00:08:00 --> 00:08:01

See the beauty.

00:08:01 --> 00:08:03

See the glory. See the magnificence.

00:08:03 --> 00:08:05

See the generosity of our brother.

00:08:06 --> 00:08:07

Allah

00:08:07 --> 00:08:11

said, whatever you will whatever you have will

00:08:11 --> 00:08:14

end. Whatever you have will perish. Whatever you

00:08:14 --> 00:08:15

have cannot last.

00:08:16 --> 00:08:18

Whatever you have will end, but whatever

00:08:20 --> 00:08:21

is with Allah

00:08:23 --> 00:08:24

is everlasting,

00:08:25 --> 00:08:28

and we will certainly reward the steadfast

00:08:29 --> 00:08:31

according to the best of their deeds.

00:08:32 --> 00:08:33

Meaning that Allah

00:08:33 --> 00:08:36

will pick that one deed which he caused

00:08:36 --> 00:08:37

you and me to do, which he

00:08:38 --> 00:08:40

was pleased with, and he will reward us

00:08:41 --> 00:08:42

for all our deeds

00:08:43 --> 00:08:46

in keeping with the reward for that accepted

00:08:46 --> 00:08:49

deed. Now what more can you even ask?

00:08:50 --> 00:08:51

And then

00:08:55 --> 00:08:56

Allah said,

00:09:04 --> 00:09:07

Allah said, establish the salah and pay zakat.

00:09:07 --> 00:09:10

Whatever good you send forth for yourselves, you

00:09:10 --> 00:09:14

will certainly find its reward with Allah. Surely,

00:09:14 --> 00:09:15

Allah is all seeing

00:09:15 --> 00:09:17

of what you do.

00:09:17 --> 00:09:18

Allah sees what you do.

00:09:19 --> 00:09:22

Imagine, this is talking about investment. Allah said

00:09:22 --> 00:09:23

whatever you invest,

00:09:23 --> 00:09:25

Allah will give you.

00:09:26 --> 00:09:27

And now Allah said,

00:09:48 --> 00:09:51

continue to establish salah and pay zakat

00:09:52 --> 00:09:55

and lend to Allah a good loan. See

00:09:55 --> 00:09:57

the beauty and majesty of Allah.

00:09:58 --> 00:09:59

See how Allah

00:10:00 --> 00:10:00

encourages.

00:10:01 --> 00:10:03

How can anybody loan anything to Allah Subhanahu

00:10:03 --> 00:10:04

Wa Ta'ala?

00:10:05 --> 00:10:07

How can anybody loan anything to Allah? Allah

00:10:07 --> 00:10:09

Subhanahu Wa Ta'ala when he says loan, what

00:10:09 --> 00:10:11

does it mean? It means Allah is talking

00:10:11 --> 00:10:11

about

00:10:13 --> 00:10:14

giving,

00:10:15 --> 00:10:17

in in in sadaqaat.

00:10:17 --> 00:10:18

Allah is talking about

00:10:19 --> 00:10:21

he's he's glorifying that and saying lend to

00:10:21 --> 00:10:24

Allah. Allah is saying this after zakat. Right?

00:10:24 --> 00:10:26

So end to Allah a good loan.

00:10:27 --> 00:10:29

Now, whatever you send forth for yourself, you

00:10:29 --> 00:10:30

will find, rivatallah,

00:10:30 --> 00:10:32

far better and more rewarding. Now, please note,

00:10:32 --> 00:10:33

in this ayah Allah

00:10:34 --> 00:10:37

has differentiated between zakat and sadaqa, which is

00:10:37 --> 00:10:39

giving more than the compulsory charity of zakat.

00:10:40 --> 00:10:42

And He called this more

00:10:42 --> 00:10:43

harud hasanah.

00:10:44 --> 00:10:46

He said, This is a beautiful lawn.

00:10:46 --> 00:10:49

And He promised to increase its return. Allah

00:10:49 --> 00:10:50

said, You are giving me a lawn, I

00:10:50 --> 00:10:53

will increase it. I will return it in

00:10:53 --> 00:10:54

keeping with My majesty.

00:10:55 --> 00:10:55

Allah Subhanahu

00:10:56 --> 00:10:56

Wa Ta'ala,

00:10:58 --> 00:11:00

promised to increase the return.

00:11:00 --> 00:11:03

Now finally, we ask Allah Subhanahu Wa Ta'ala,

00:11:03 --> 00:11:03

therefore,

00:11:03 --> 00:11:05

to give us this

00:11:06 --> 00:11:06

faith

00:11:07 --> 00:11:07

and this yaqeen.

00:11:08 --> 00:11:10

I think really in all of this, this

00:11:10 --> 00:11:12

is the big issue. The big issue is,

00:11:12 --> 00:11:14

do we have faith in Allah

00:11:14 --> 00:11:17

that we will get this return? Right? And

00:11:17 --> 00:11:19

the proof is, therefore, what do you do?

00:11:19 --> 00:11:21

It's not a matter of just claiming claiming

00:11:21 --> 00:11:23

to have the faith. The faith the question

00:11:23 --> 00:11:24

is, if I have the faith,

00:11:24 --> 00:11:26

what will I do? If you have the

00:11:26 --> 00:11:27

faith, take the deep.

00:11:28 --> 00:11:30

We ask Allah's to increase our faith and

00:11:30 --> 00:11:33

to strengthen it and for us to have

00:11:33 --> 00:11:36

only and only and only because only Allah

00:11:36 --> 00:11:38

is worthy of being relied upon.

Share Page