Channel: Mirza Yawar Baig
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Salam aleikum wa rahmatullah wa barakato.
Al hamdu, lillahi Rabbil alameen wa salatu salam ala, ala l mursaleen. O Allah, Allah, he was happy as marine
My dear brothers and sisters,
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 important parts, they are an important part, but that they are not the sum total of the
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.
And always say it's a free world, not just a free country, you're free to believe whatever you want.
But no belief is free.
We are free to choose whatever we want, but no choice is free, every choice comes with a price tag with a consequence.
And only somebody who is completely devoid of any intelligence will choose something either without knowing what the price tag is, or knowing
the price tag, which they know they cannot pay.
This is a sign of absolute vacuum in the head.
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?
So it is in our interest to ensure that we know the price of our choices.
And in this context, we were talking about the issue of Riba the issue of interest, the issue of
the wide spread
influence of commercial banking.
And I mentioned to you the the specific Ayat of the Quran, the ayat of Surah Baqarah, from 275 to 280.
And I want to reiterate that today, because this is one of if not the single biggest problem with this.
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
and something about which Allah subhana wa Taala declared war against the one who indulges in it.
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,
you are responsible for your own choices.
Look at the translation of these Ayah
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.
And that is because they say
trading is like rubber.
They will say I'll buy a mystery back.
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 a Buddha I mean, the glory and majesty of Buddha shall carry him the glory and majesty of the one who will who we will stand before Maliki Ahmed Dean
who said about himself on that day, Allah Hello
and that statement is a Holla Holla Holla
see the glory and majesty of that statement
saying they are crazy they are insane because they say trading is like Riba.
And what is the justification? What is the answer that Allah Subhana Allah is giving to that statement the trading is like Riba.
Allah subhanaw taala saying,
Allah subhanho wa Taala made
trading permissible and he has forbidden Riba.
trading is halal
By Allah, Allah Allah. Allah has made halal
and he made Riba
I'm saying the glory and majesty because Allah subhanho wa Taala does not even bother
to explain to us the intricacies of interest based financing and why it is detrimental to society.
Something with the owners of companies,
non Muslim owners of major corporations, they understand very well and they run their corporations without a single cent of bank borrowing.
no bank borrowing.
Aditya Birla group marva is no bank borrowing
reliance before Ambani died before Dhirubhai Ambani died, Reliance Industries, not a central bank boring 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.
You know why Allah subhanaw taala creates these examples for us, among people who are not even Muslim, to establish the hajat 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.
You want to grow your business? How many of you have got businesses equal to Microsoft?
The sales of Microsoft is a major part of the GDP of this country.
No excuse, no excuse and the glory and majesty of Allah statement. Allah Allah Allah.
Allah subhanaw taala says I have made trade halaal and I have made Riba haram
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? 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.
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
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.
Even if every single reason was turned upside down on its head,
still we would not do that because Allah subhanaw taala said, No.
That is a Holla Holla Holla Holla Holla mareeba is an ayat which is which is a lesson in taqwa. The diet has nothing to do with Riba according to me that it 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 Jalla Jalla Jalla Oh,
my dear brothers and sisters, we live in a city of palace.
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.
But strange other ways of the maker, and strange are always
shut down has put curtains over our eyes and our ears.
And we refuse to see and ask a very simple question. And 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?
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.
And this wealth which they left behind, they will give his up for it. In the Masha Allah, if Allah subhanaw taala chooses not to take his up this is in his control.
But he said and his name is Allah Allah solemn promised us that Allah subhanaw taala will take Isa
Holla Holla Holla mareeba
and then Allah subhanaw taala says Oh, Whosoever takes this warning and accepts this warning and receives this admonition from his wrath and stops indulging in Riba will not be punished for the past. All you need to do is to save 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.
Allah did not say calculate all the interest that you ate, and then give big pharma for this. No,
no, whatever came to you till now, you make Toba that becomes valid use it becomes valid.
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.
And whosoever accepts this warning and receives this admonition and stops eating rubber will not be punished for the past. His gaze is for Allah subhanho wa Taala to judge, But whosoever returns to Reba, Such are the dwellers of the Fire and they will stay there forever.
They will abide therein
Allah subhana wa Jalla Jalla Allahu Allah will destroy Riba young hakama horiba
Allah will destroy Riba. What is your belief about Europe?
Is your does Europe tell life?
Does Europe has you has Europe Britain jokes in the Quran?
Has your robe written things in the Quran? Which are the oh I didn't mean that.
Is this your belief about Allah subhanaw taala? Or is it your belief that what your rump and Myra wrote in the color in his column is
that it is there until the end of time?
That there is no doubt in it? radical kita Oh,
La La Buffy
and He therefore,
coup de Lille Mata Ki.
If this is your belief, the listen to what your upsets Yamaha por la horiba where you will be socket. Allah will destroy Reba and will give increase for sadaqa and Allah does not like disbelievers and sinners.
Wireless 1000 disbelievers when he's talking about rubber
today, we take great pride in this fact.
I am the chairman of Citibank.
I am the country manager of HSBC.
HSBC is another fitna.
All four letter words must be avoided.
We take great pride for my son has got a very good job in the bank.
I'm giving my daughter she's got a very good
Very good. What do you call it? What is English
called Alliance, it was two countries
to join families it was the two countries there were more than two countries.
Very good Alliance. What is the what is the boy do? Oh, he's got a very good job in a bank
to an umbrella. Maybe you are not in that Zuma. You are not in that group. So you brought up your daughter eating halal. And now you are giving her to somebody who is eating her.
So now she's going to be eating Hara
Allah when Allah Rajan please open your eyes, open your eyes. I didn't make the law don't don't glare at me. I didn't do anything.
This is a law of Allah subhanaw taala della della
he promised to destroy it.
Then Allah truly 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 grief of hoonah Allah him Allah
We ask Allah subhanaw taala to make us all among those inshallah
and then Allah said oh who believe yeah you know, what is the meaning of what is the the indication any if it begins with this
What does it mean? It is a Hong Kong it is a Hong Kong for Allah anything with begins Yeah, you know, if you are among those who believe this is a Hong Kong direct Hong Kong to you
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,
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 Riba? Now?
I don't want to say it you say to yourself,
then Allah said, and if you do not do it,
do not do what? Leave.
Now, now, not so much and financially now.
And if you do not do it, then take notice of war from Allah and His Messenger sallallahu sallam, my brothers 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? Do you want to say Allah Here comes by anyway.
Now is Li Salam said those who deal in Riba
on the day of judgment when they land on the Maidan of hustle the Malaika 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.
So all the bank managers and bank owners and people who are dealing in Riba and taking interest to build houses and pay and paying interest to build houses and mortgages, and taking buying cars on loans, and Allah knows what
we've repaired, learn some swordfighting while you're about it, because if you don't leave this, that's what you're going to be doing.
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?
Yes or no? Yes, because I am your witness.
And you are my witness. We are witnesses to one another on the Day of Judgment. Let us
To be 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 a lion is nothing.
And then we ask Allah subhanho wa Taala to be the witness for all those who make Tawana
and to decree that Muhammad Rasul Allah Salallahu alaihe salam will be our shaffir on the Day of Judgment, and we ask Allah subhana wa Taala to accept his fat in our favor.
For all those who make them, do we make Toba?
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.
But leave it
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.
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
by asking more than the capital meaning if you have given a loan to somebody don't. And even if you add, give it to some interest, give it up, get back your capital. And I'm not saying give it up.
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.
And this is the beauty of Islam.
This is the beauty of Islam. Allah subhanaw taala gives without and Allah subhanaw taala tells us you also give without
Allah subhanaw taala gives us that counting. Allah subhanaw taala gives even though we don't deserve. So Allah says don't look too deeply about what people deserve.
Treat people and give people more than they deserve and I will give you more than you deserve. He gives us more than more than we deserve. Anyway.
My brothers and sisters, universal Delano narrated and he said that there is no one who deals in Riba
to increase as well, but he will end up with his wealth being decreased.
He knows all Abdullah webisodes are the alano narrator for sources alum, who said
that there is nobody who deals with interests with the idea that his wealth will be increased,
but his wealth will be decreased.
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.
The problem with Riva is that we Muslims have not made a serious attempt at creating a robust global interest free economic and banking system. There are demos being made now and again. MLS vannatta 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
a robust interest free system.
We went fatwa shopping,
like we do now
to find somebody accom a compatible alum who will give us a fatwa to say that Riba is, is allowed. So we found these compliant mathies who took this evil on their own heads, and they allowed something that they had no right to allow.
The whole argument of Riba being allowed and permitted in Dar Al Harb is absolute nonsense. And only proves that the Mufti giving that fatwa has either no knowledge of the or that he is motivated by something other than taqwa of Allah subhanaw taala.
Let me quickly explain this issue of dharohar because we know that there are these fatawa floating around in this in the city
and these because of these fatawa that no serious attempt
has been made to create a robust non interest banking system
and Muslims felt free to indulge in Haram.
There are three terms that are used for a country.
These terms are not from the Quran, these terms are terms of which they have, which various Allah have mentioned three terms. One is Darul Islam,
a place where the Islamic Sharia
is enforced completely, not bits and pieces like we have in most of our countries, where the Islamic Sharia is enforced completely.
Now, please use your intelligence.
If the Islamic Sharia is enforced completely, will interest based banking be permitted Yes or no? No, right. No.
So there is no question of any interest with banking in Dallas law. Second situation
Amman is a place where a Muslim is permitted. Please note, I repeat, read my lips a Muslim is permitted to practice his religion completely.
Which is a country like ours, India, which applies this Darwin among applies to practically every western country that you can imagine.
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 by going cohosh 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
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
in such a country
can you practice your religion fully? Yes or no? Yes, that is why it's called a man
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
let's go to the third point dharohar place of war if our country is Darryl herb, what is your number one priority to fight
it is a place of war, your number one priority is to fight
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 whole heart if you are at war in that country, they want us to do fight the war there is the question of interest based banking or any kind of banking for that matter.
So, now, if somebody tells you that India is dharohar bad therefore, you can take interest, they are making two mistakes. first mistake is they are declaring a country which is Darryl Ament without olhar. In India,
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.
So this is our lemon. So the first question when you say that, that's the first mistake that you are calling a country which is
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.
And that's the problem with what we call scholars for dollars.
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 it's not a ruling. a fatwa is the opinion of the Mufti about a hookup and it does not and it cannot change the home. When the home 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 world.
Together cannot change an iota of the hook. When we are doing something about which there is a hook. It is our personal responsibility to ensure that we follow the hook of getting a fatwa from somebody and taking refuge behind that and violating the Hong Kong 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.
It has no validity and anyone who believes I have got a fatwa therefore, so and so is answerable, is living in fantasy.
That so and so, is answerable no doubt about that, but he is answerable for what he did. He is not answerable for you. You are answerable for yourself. make absolutely no mistake.
This dubious and wrong formula 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.
Think about this. And I want to end with this. Because we have a majority of young people in this budget Alhamdulillah.
And we are people who are educated, we're in all kinds of areas.
And that's the reason I'm saying this. Think about this, if instead of trying to hide behind dubious power, if we had seriously sought to create an interest free system,
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.
We would have been the rulers of the world because Make no mistake, it is those who run the banking system.
They are the ones who rule the world. Not the Presidents not the Prime Ministers, not the generals, not the admirals, the bankers
around the world.
Imagine if you and I were bankers.
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
which will genuinely help the poor
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.
He can economic well being
is as important
as well being of the body and the mind.
And this is what a non interest banking system can do.
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.
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.
ignoring the fact that you are eating fire
you will not make any effort. But when you leave that bank job when you hit the street, then your mind will start working
then you will understand yes I have
abilities then you will start playing then you will cry for 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
then you will understand what is the meaning of in Allaha horas de la COVID Kilmartin
and then you will be on a high that nobody can take you down from
or that will not happen. As long as you keep hiding behind these false photographers have self interested move these May Allah subhanaw taala protect us from that.
My brothers and sisters
My advice to those who are making the effort is to fear Allah
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 close the same products and different terminology
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.
We ask Allah subhanaw taala to give power to you, we ask Allah subhanaw taala to be pleased with you, we ask Allah subhana 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.
We ask Allah Allah 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 halaal 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 you 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 don't hide behind things who are not apologetic about this Dean, who don't run behind bushes. When the moment somebody says Muslim, we ask Allah subhana wa Taala to help you to be among those who's watching who's talking who's appearance, who's eating and drinking, whose homes no 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 sallam was Allah Allah Nabeel Karim, Allah Allah. He was happy as you might be Renata Gamarra me