Mirza Yawar Baig – Money is not business
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From my brother, my brother and sisters,
one of my
very dear friends and brothers asked me
about especially
with regard to housing.
Let me tell you a story.
This is true in Hyderabad,
in India where I live.
1 of my very, very dear friends,
and and he's also related to me,
he's a builder.
So one day, I needed for something to
I called him and said, where are you?
Can I see? He said, you come here.
I have here. I have here. I have
here. I have here. I have here. I
have here. I have here. I have here.
He told me that this.
So that was a building site.
I went there and I saw this house.
Fantastic house.
Italian marble,
polished granite.
In the basement, there's a full size swimming
pool.
Then there is a there are 2 kitchens.
I said, this is for what? Mother-in-law and
daughters? No. No. No. This one kitchen is
to show people.
So this kitchen has got maybe a $100,000
worth of appliances.
They live under a fridge which is cost
maybe $20,000.
And then there is a actual kitchen
for daily cooking.
So like like the elephant, there are
teeth to show and teeth to eat.
So this fell very, very fun selves.
So I asked him in the whole house,
and he told me the name.
Now that guy
owned a bank.
So this whole house was on interest money.
Right?
Then he told me
he said the man gave me
this contract. He told me build his house.
This is how I want everything.
He said my wife will come from time
to time to see us on. He said,
I don't want to see this house until
the day you are ready to give me
the key.
He said, okay. So I said, you and
the man have not seen the house? No.
You not see the house.
He not seen it. He don't The
day came when it was ready,
and
my friend called the man and he said,
tomorrow morning, please come. I'll give you the
key.
That night, the man died.
Yes.
Next day, he's supposed to enter the house.
One night before that,
died. Now,
Rasulullah
told us
before that, the Ayat of Surah Al Baba,
please read.
Allah
said,
Allah
said,
those who consume interest
will stand on the day of judgment like
those driven to madness by Shaitan's touch.
That is because they say trade is
no different
than interest.
Trade is like interest,
but Allah has permitted trading
and forbidden interest.
Whoever refrains after having received the warning from
their rub may keep their previous gains,
and their case is left to Allah.
As for those who persist,
it is those who will be the residents
of the fire.
They will be there forever.
Allah has made interest fruitless
and charity
fruitful.
Allah will destroy interest,
and Allah does not like any ungrateful
evildoer.
Indeed, those who believe,
do good, establish prayer,
and pay zakat
will receive their reward from their rum,
and there will be no fear for them
nor will they grieve.
Oh, believers, fear Allah
and give up
outstanding interest
if you are believers.
If you do not,
then beware and take the warning
of a war
with Allah and his messenger.
But if you repent,
you may retain your principle neither
inflicting
nor suffering
any harm.
Allah said if it is difficult for someone
to repay a debt,
postpone it until a time of ease.
And if you waive it, meaning you forgive
it as an act of charity,
it will be better for you if only
you knew.
In the final act on this,
afraid of the day when you will all
return,
be brought back to Allah,
that every soul will be paid in full
for what it has done,
and none will be wronged.
Allah
said, those who first of all, Allah said,
Allah will destroy.
Allah
will destroy.
And Allah will test, I have seen this
with my own eyes.
I have seen people
whose
the money they had,
I don't want to insult you, but I
can guarantee you that there's not one person
in this room who can even imagine that
kind of money
and who can imagine spending that kind of
money.
You can't even think about it. Forget about
having it. You cannot even think about it.
I'll challenge
you. In a private conversation, we will talk.
Completely
gone. On the street.
Totally destroyed.
Allah is. Allah will destroy.
No doubt about this.
Then,
the kibriya of Allah
said, they make,
they say rebah is like business, like bad.
And then Allah
makes a statement.
Allah does not explain why rebah is bad
and what happens to it because of that
or how it it creates poverty, and how
it is bad for society. No.
Allah
says,
Why is it haram? Because Allah says, because
I say it is
Allah said, haram because I say haram.
Even if every
economic
calculation,
even if every economist in the world
gets together and proves to you
that ribai is the best thing since sliced
bread,
it is still halal.
Why? Because Allah said
so.
We need to decide if we are Muslim
or we are not Muslim.
Seriously.
Do am I a Muslim? What is a
Muslim? The Muslim is the one who submits
to Allah
If I say, I am sorry, I'm not
a Muslim,
go. No problem.
No
problem.
But
if
you
say,
no,
I
am
Muslim,
then
behave
like
a
Muslim.
Behave like a Muslim.
Allah
declared war
on his behalf and on behalf of his
on those who deal in.
Rasul
said on the day of judgment, people will
deal in riba. And remember, in Islam, the
basic principle is if something is haram, it
is haram irrespective of quantity.
It doesn't matter whether you are taking a
1% interest or you're taking a 100% interest.
Doesn't matter. Just
like pork is haram. Halal or haram?
Halal
or
haram?
Halal.
So what do you guys say? Yeah,
Just one slice of them.
This bacon looks nice.
Only one slice, not the old pig. Only
one slice.
I will eat only one slice in my
whole life, only one time. So please, give
me a Is
it?
No.
No.
He said only one day.
Please.
So how come we say, no. No. But
you see, this interest is only small. That
is big. Those days big. There's no question
of small and big. Interest is interest.
So ask yourself very simple question. Do Nabi
said on the day of judgment, people who
deal with interest,
when they are produced before Allah,
the will
give them sword. They will give the in
the hand. Here, take the sword.
Go fight
with your.
You accepted the declaration of war. Now go
fight it.
Yeah.
On the day of judgment, we want the
We want
We want
the We want to do war with Allah.
Please understand one thing very clearly. If somebody
talks to you, tell them this.
In Islam,
money is not
a commodity for business.
Please understand this.
People say, no. If I give money and
I don't take any interest, then how will
I make how will I make profit? How
will I not not not not? The purpose
of lending in Islam is only 1, which
is to help the brother.
It is not for profit. There is no
concept
of money as a commodity for business in
Islam.
If you want to do business,
then you take equity in the business, share
in the business. So business profits, business
sinks,
I also sync with the business. It is
not a question of saying, I gave you
the money. I want my money. You won't
live or die. Not my problem. I need
my money. No. No. No. No. No.
No.
This is not Islam.
So please understand this first thing. First and
foremost, in Islam, money is not
a commodity
for business. There is no business with money
as the
material. Right? You can have business in cloth,
in clothes, if you have business in cars,
business but no business in money. Banks are
business in money.
There's no business in money in Islam.
Let me take I need money. I'm in
difficulty.
Ask my brother here.
He said, yeah, take it.
I need $1,000. I take $1,000. Okay.
How much how much would I return to
him? Same thing, what I took back? $1,000.
Then you can do a calculation. My here's
$1,000
was sitting with me for 1 year in
the open market. This $1,000
would have become 100 $1100
because he would have got 10% interest. With
me, he's getting back only 1,000, so he
lost 10%. No.
That is not the calculation
for a Muslim.
Lending is only to help.
If you want to lend, lend. If you
don't want to lend, don't lend. That is
why you see the ayat of the Quran.
In very, very clear Allah
says give it,
take back only what you give, and if
you forgive it
he doesn't look like doesn't look like precious
to you?
If you forget forgive it, it is better
for you.
So I must give my money to you
and forgive it.
Yes.
Allah says yes.
Yes.
Yes. It is business.
It is business.
Allah said, I will give you the reward.
Hey?
You gave money to your brother. He's in
difficulty. Don't trouble him. Let him return when
he wants to return.
Now you might say, you know, people are
not like this. People are dishonest.
They will lie.
They will borrow money, and then they will
not return. They have the money, then they
will go for. Instead
of returning the money that they want, is
it is it permissible
to go for
when I owe somebody some money?
Leave that man and that man's with
him,
But please understand this.
Any form of interest, whether it is
a loan, whether it is mortgage,
whether it is,
money you buy a car on, you know,
whatever deal there is. And so what if
you are paying interest,
whatever your name you call it,
it is interest.
I used to live in Guyana. I lived
in Guyana for 5 years
on the back of the Burmese River in
the middle of the Amazonian rainforest,
and there were Amerindian people there. They so
the local,
country people, Amerindian people.
And there was a joke.
One of them told me. He said 1
it's not a true story. It's like a
joke. He said one day, one priest came,
and, he said to this Amerindian guy that
the Amerindian, they live in the forest.
They're hunting gathering. They hunt, and they keep
the meat, and they sell the meat in
this in the town, and they they they,
get, you know, honeycombs
and,
which is rubber, a tap, and all this.
So he said this man was there, this
Armenian man, this, priest came, and he said,
become Christian. He said, okay.
No problem.
So he said, what shall I do? He
said, what is your name? He told him
some Armenian name. So the man said, no.
Your name is George.
So he made the sign of the cross.
He made the sign of his cross, and
he said, your name is George. He said,
okay.
So what shall I do? He said, you
must go to church on Sunday. He said,
well, you know, if I go to town,
I will there's no church in the forest.
It's okay.
And he said on Friday, you should not
eat meat.
So
he said on fries on Friday, you should
not eat meat. He said, okay.
What shall I do? He said eat fish.
Fish is okay. Okay. Fish. No meat.
So now Friday comes.
This man is going now. He's got his
boy and a robot. He's, takes a fishing
pole and he's going to sit in there,
the river is trying to fish. The whole
day,
no fish.
So the man now in the evening, he's
angry. He's very angry.
He got no food and there's no fish.
So, Otto now getting back, he has to
go home. He takes a fishing boat as
he turns around to the deer standing there.
So this hunter. Right? He's, like, instinctive for
it. The deer, he if he there's the
arab shum bun. Deer is dead.
Now he remembers today's Friday.
The priest said, I can't eat meat.
He said, I got idea.
So He goes to the deer. He makes
eye of the cross. He said, your name
fish. You can only check this guy.
We want to do this game with riba.
I didn't tell you just a joke. This
is what we do with riba.
You give it some other name.
It is riba. You call it fish, it
is still beat.
You call it you would go and say,
what do you want? It Allah knows.
Allah knows, and Allah knows you are near,
and Allah knows why you are doing this.
My brothers and sisters, please understand this. One
day, we go into our grave. Whether you
would like it or not,
one day, we go into our grave, and
that day we will be alone.
Nobody.
Don't spoil that for the sake of some
temporary benefit in this dunya, which looks like
a benefit. You are living in a house
or my house. No. It's a bank's house.
It's not your
house.
Miss one payment and see see what happens
to the house.
I drive this fancy car. Oh, my car.
No. Not your car. Bank's car.
Live within your means. If you cannot afford
something in one place, move to a cheaper
place.
Who told you we'll buy a new car?
Buy a secondhand car.
Rent a house, live your whole life in
a rented house, no problem.
But if you buy a house
on mortgage, on interest,
believe me, you are playing with the fire
of Jahnan, not just fire, normal fire.
If you are living in a say, I'm
living in New York. You say, you don't
want to do, chef, New York, the rents
are so high. So who told you to
live in New York?
Is it are you saying that I can
only make cover for the cover, so I
have to go to the cover. This is
not cover.
No? Don't live in New York.
Go to a cheaper place.
To the whole of America like this. Go
to south go to some other country.
Go out, do your own country.
One day we die, please understand this, the
make no mistake. One day we die,
and then what starts will never end.
This will end. Go to about this will
end. That will never end. Don't spoil something
which is permanent
for the sake of something which is temporary.
So I advise myself on
you, let us keep our priorities right.
If I am Muslim,
I obey Allah.
I follow Muhammad
No compromises,
no excuses,
no games because
Whether you say something openly or hidden it,
I love those watching the art.
No play. No games. No. No. No. Run
it out.
And please understand this also why I won't
end with this. It doesn't matter who gives
you what fatwa because there are people around
who will give you no. No. In this
place, it is okay. That place is okay.
Please understand, my brothers and sisters.
What I said to you
is the Quran Al Kareem. I did not
give my fatwa.
I resided for you the ayat of the
Quran.
There is no fatwa in the world which
supersedes the Ayat of the Quran. If some
is saying that he has better understanding than
Allah, then you know you should follow this
or not.
I am giving you the ayat of the
Quran, and I'm giving you the words of
Muhammad.
Allah is the witness
for you and for me. I want to
say one final thing. Please understand, if you
follow this deen, then you will have a
lot of in your life. Remember, you will
not have illness. You will not have accidents.
You will not have problems. Allah will put
in your lives. Please understand it. This part
of the game, part of the story, you
follow the deen, you don't you keep your
income clean, you keep your fort clean, Allah
puts barakah in your lives.
Otherwise, like my Sheikh used to say, you
want to save money here, Allah will make
you spend the money in the hospital.
Don't do that.
Right?
That is very, very important. Safety is very
important.
We want the help of Allah. We don't
want to buy the enmity of