Mirza Yawar Baig – Money matters in Islam

Mirza Yawar Baig
Share Page

AI: Summary ©

--

AI: Summary ©

00:00:00 --> 00:00:02
			Alhamdulillahi Rabbil Alameen wa Salatu wa Salamu ala
		
00:00:02 --> 00:00:04
			Asharafil Anbiya wal Mursaleen.
		
00:00:04 --> 00:00:08
			Muhammadun Rasulullahi salallahu alayhi wa ala alihi wa
		
00:00:08 --> 00:00:11
			salam tasliman kathiran kathiran.
		
00:00:12 --> 00:00:13
			Fa amma ba'du fa qala ta'ala inna
		
00:00:13 --> 00:00:17
			allaha wa malaikatahu yusalluna ala an-nabi.
		
00:00:17 --> 00:00:21
			Ya ayyuhal ladhina amanu sallu alayhi wa sallimu
		
00:00:21 --> 00:00:21
			tasliman.
		
00:00:22 --> 00:00:24
			Allahumma salli ala Sayyidina Muhammadin wa ala aali
		
00:00:24 --> 00:00:25
			Muhammad.
		
00:00:25 --> 00:00:27
			Kama salli ta'ala Ibrahima wa ala aali
		
00:00:27 --> 00:00:28
			Ibrahima.
		
00:00:28 --> 00:00:29
			Innaka hamidun majeed.
		
00:00:29 --> 00:00:32
			Allahumma barika ala Muhammadin wa ala aali Muhammad.
		
00:00:32 --> 00:00:35
			Kama barakta ala Ibrahima wa ala aali Ibrahima.
		
00:00:35 --> 00:00:36
			Innaka hamidun majeed.
		
00:00:37 --> 00:00:39
			Yesterday we spoke about three different things.
		
00:00:39 --> 00:00:42
			Today we look at the two other elements.
		
00:00:45 --> 00:00:46
			And the first of that is money.
		
00:00:47 --> 00:00:49
			And the reason money is important is because
		
00:00:49 --> 00:00:50
			money makes the world go round.
		
00:00:51 --> 00:00:51
			Right?
		
00:00:52 --> 00:00:54
			Things happen in this world because of money.
		
00:00:55 --> 00:00:57
			Either the desire of money or having the
		
00:00:57 --> 00:00:58
			money.
		
00:01:00 --> 00:01:05
			Now, as I mentioned to you, the economic
		
00:01:05 --> 00:01:07
			system at the time of Rasulullah sallallahu alaihi
		
00:01:07 --> 00:01:10
			wa sallam was very, very similar to the
		
00:01:10 --> 00:01:12
			economic system that exists in the world today.
		
00:01:13 --> 00:01:15
			It was a free market economy.
		
00:01:15 --> 00:01:17
			It was not controlled by anybody.
		
00:01:18 --> 00:01:22
			It was Mecca as a city was ruled
		
00:01:22 --> 00:01:25
			by billionaires, ruled by the wealthy people.
		
00:01:26 --> 00:01:28
			Few of them used to gather in a
		
00:01:28 --> 00:01:30
			place called Nadwa and they would, whatever they
		
00:01:30 --> 00:01:32
			needed to decide, they would decide and that
		
00:01:32 --> 00:01:32
			would be implemented.
		
00:01:32 --> 00:01:34
			They didn't have a chief or a sultan
		
00:01:34 --> 00:01:37
			or a sheikh or a king or somebody.
		
00:01:37 --> 00:01:38
			They didn't have that.
		
00:01:39 --> 00:01:42
			It was a bunch of businessmen who ruled
		
00:01:42 --> 00:01:43
			the town.
		
00:01:45 --> 00:01:47
			And they traded across.
		
00:01:47 --> 00:01:52
			They actually had a global international trade because
		
00:01:52 --> 00:01:55
			they traded between the Byzantine Empire and the
		
00:01:55 --> 00:01:56
			Persian Empire.
		
00:01:57 --> 00:02:00
			These were the days before the nation states.
		
00:02:01 --> 00:02:03
			But if we interpret that in terms of
		
00:02:03 --> 00:02:05
			nation states, we are looking at trade with
		
00:02:05 --> 00:02:09
			at least, in today's time, maybe 20, 30
		
00:02:09 --> 00:02:10
			different countries.
		
00:02:11 --> 00:02:15
			So they had a multinational trading organization.
		
00:02:16 --> 00:02:17
			They were not small businessmen.
		
00:02:17 --> 00:02:18
			They were not small shoppers.
		
00:02:18 --> 00:02:22
			These were big multinational businessmen who dealt in
		
00:02:22 --> 00:02:24
			billions of dollars in today's money.
		
00:02:25 --> 00:02:31
			People like Abbas bin Abdul Muttalib, Abu Sufyan,
		
00:02:31 --> 00:02:38
			Abu Lahab, and you had others who were,
		
00:02:38 --> 00:02:38
			Anam?
		
00:02:39 --> 00:02:39
			Sufyan.
		
00:02:39 --> 00:02:40
			Abu Sufyan, yes.
		
00:02:43 --> 00:02:47
			Abdur Rahman Ibn Naufi R.A.'s actual amount
		
00:02:47 --> 00:02:50
			of money which he left behind, his Tarka,
		
00:02:51 --> 00:02:52
			when he passed away, we have the actual
		
00:02:52 --> 00:02:53
			numbers.
		
00:02:54 --> 00:02:57
			And according to those numbers, Abdur Rahman Ibn
		
00:02:57 --> 00:02:59
			Naufi R.A. was at least ten times
		
00:02:59 --> 00:03:01
			more wealthy than Elon Musk.
		
00:03:02 --> 00:03:05
			And his money, his wealth, his real wealth
		
00:03:05 --> 00:03:05
			was gold.
		
00:03:05 --> 00:03:06
			Halal.
		
00:03:06 --> 00:03:07
			Halal and gold.
		
00:03:08 --> 00:03:09
			It was on the share market.
		
00:03:09 --> 00:03:11
			One day it goes up, one day it
		
00:03:11 --> 00:03:11
			comes down.
		
00:03:11 --> 00:03:12
			No, this is actual wealth.
		
00:03:14 --> 00:03:14
			Right?
		
00:03:14 --> 00:03:15
			So these are big people.
		
00:03:15 --> 00:03:18
			Now, if you look at them today, we
		
00:03:18 --> 00:03:23
			have to understand, Islam is very much in
		
00:03:23 --> 00:03:23
			favor of business.
		
00:03:24 --> 00:03:26
			Rasulullah S.A.W. in one hadith, and
		
00:03:26 --> 00:03:28
			the taqrij of the hadith, some people said
		
00:03:28 --> 00:03:29
			it is a bit zaif and so on,
		
00:03:29 --> 00:03:30
			but it doesn't matter.
		
00:03:30 --> 00:03:31
			Alhamdulillah, the meaning of it is correct.
		
00:03:32 --> 00:03:34
			Which is, he said that nine parts of
		
00:03:34 --> 00:03:37
			barakah is in business and one part is
		
00:03:37 --> 00:03:38
			in employment.
		
00:03:38 --> 00:03:40
			So he encouraged business.
		
00:03:40 --> 00:03:43
			He himself was a businessman and he was
		
00:03:43 --> 00:03:46
			also employed for some time by Sayyidah Khadijah
		
00:03:46 --> 00:03:51
			al-Kubra Ummana R.A. and as her
		
00:03:51 --> 00:03:52
			agent to trade.
		
00:03:53 --> 00:03:56
			So he knew both sides of the coin.
		
00:03:57 --> 00:04:00
			So Islam stands for what today we call
		
00:04:00 --> 00:04:02
			a free market economy.
		
00:04:02 --> 00:04:04
			It's not a regulated economy.
		
00:04:04 --> 00:04:05
			Prices are not set.
		
00:04:05 --> 00:04:07
			There is an incident in the Sira.
		
00:04:08 --> 00:04:10
			In Madinah at one point there was some
		
00:04:10 --> 00:04:12
			shortage and the Sahaba came to Rasulullah S
		
00:04:12 --> 00:04:13
			.A.W. and they said, Ya Rasulullah, please
		
00:04:13 --> 00:04:14
			regulate the market.
		
00:04:15 --> 00:04:16
			Set prices.
		
00:04:16 --> 00:04:18
			Rasulullah S.A.W. said, no, I will
		
00:04:18 --> 00:04:20
			not regulate what Allah has not regulated, I
		
00:04:20 --> 00:04:20
			will not regulate.
		
00:04:21 --> 00:04:22
			You regulate yourselves.
		
00:04:22 --> 00:04:26
			So Alhamdulillah, we know that free market is
		
00:04:26 --> 00:04:26
			there.
		
00:04:26 --> 00:04:29
			Now, however, there are some basic principles.
		
00:04:29 --> 00:04:33
			First of all, in Islam the business must
		
00:04:33 --> 00:04:37
			not only be in halal things, but it
		
00:04:37 --> 00:04:38
			must be morally defensible.
		
00:04:40 --> 00:04:42
			Meaning that, for example, in a time of
		
00:04:42 --> 00:04:45
			drought, you might say, well, I am selling
		
00:04:45 --> 00:04:48
			wheat or I am selling corn, but in
		
00:04:48 --> 00:04:49
			a time of drought I am hoarding it
		
00:04:49 --> 00:04:51
			and then I am selling it for a
		
00:04:51 --> 00:04:53
			high price, even though the commodity you are
		
00:04:53 --> 00:04:56
			selling is halal, which is corn, but the
		
00:04:56 --> 00:04:59
			way you are doing it has a big
		
00:04:59 --> 00:05:00
			problem with it, because you are now taking
		
00:05:00 --> 00:05:03
			advantage of people's hunger and you are jacking
		
00:05:03 --> 00:05:03
			up the price.
		
00:05:04 --> 00:05:05
			Wallahualam, this is whether it is halal or
		
00:05:05 --> 00:05:08
			haram, we don't recommend that, we should not
		
00:05:08 --> 00:05:09
			do something like that.
		
00:05:09 --> 00:05:11
			So it is morally indefensible, even though the
		
00:05:11 --> 00:05:14
			commodity itself is not, you can't say corn
		
00:05:14 --> 00:05:15
			is haram, corn is not, corn is halal.
		
00:05:15 --> 00:05:17
			But the way you are doing that business,
		
00:05:17 --> 00:05:20
			that is a matter of doubt and therefore
		
00:05:20 --> 00:05:22
			you should not do it.
		
00:05:22 --> 00:05:24
			Therefore we say it is a business which
		
00:05:24 --> 00:05:27
			benefits at the cost of society.
		
00:05:27 --> 00:05:29
			In Islam it is haram.
		
00:05:29 --> 00:05:35
			Islam clearly and therefore Islam has categorically prohibited
		
00:05:35 --> 00:05:39
			everything which is harmful, which is addictive, which
		
00:05:39 --> 00:05:43
			is immoral and which is subversive.
		
00:05:44 --> 00:05:48
			So interest-based banking, selling alcohol and cigarettes
		
00:05:48 --> 00:05:52
			and lottery tickets and all kinds of stuff,
		
00:05:52 --> 00:05:54
			sometimes people say, no Sheikh, but you know,
		
00:05:54 --> 00:05:55
			I am selling this alcohol only to non
		
00:05:55 --> 00:05:57
			-Muslims, they buy it anyway.
		
00:05:57 --> 00:05:58
			Inna lillahi wa nalliha ajar.
		
00:06:00 --> 00:06:02
			They buy it anyway or not anyway is
		
00:06:02 --> 00:06:03
			not your problem.
		
00:06:03 --> 00:06:04
			You don't do that.
		
00:06:04 --> 00:06:05
			Right?
		
00:06:05 --> 00:06:06
			It is haram for you to do that.
		
00:06:07 --> 00:06:09
			Because the beauty of Islam is if Allah
		
00:06:09 --> 00:06:13
			swt prohibited something, he prohibited everything around it.
		
00:06:13 --> 00:06:15
			He prohibited everything that leads to it.
		
00:06:15 --> 00:06:20
			So alcohol is prohibited, anything addictive or anything
		
00:06:20 --> 00:06:23
			which changes the mind, all kinds of drugs
		
00:06:23 --> 00:06:27
			are prohibited, which means not only their use,
		
00:06:27 --> 00:06:30
			but also manufacturing them, buying them, selling them,
		
00:06:30 --> 00:06:33
			storing them, transporting them, all of this is
		
00:06:33 --> 00:06:34
			also prohibited.
		
00:06:35 --> 00:06:36
			The same principle applies.
		
00:06:36 --> 00:06:37
			Pork is prohibited.
		
00:06:38 --> 00:06:42
			You cannot eat pork, but you also cannot
		
00:06:42 --> 00:06:42
			have a pig farm.
		
00:06:42 --> 00:06:44
			You cannot have a pig slaughterhouse.
		
00:06:44 --> 00:06:46
			You cannot be transporting pigs.
		
00:06:46 --> 00:06:48
			You cannot be dealing with pigs.
		
00:06:48 --> 00:06:51
			You can't use pigskin handbags and shoes and
		
00:06:51 --> 00:06:51
			stuff.
		
00:06:52 --> 00:06:55
			Everything to do with that is also prohibited.
		
00:06:56 --> 00:06:58
			This is the safety net that Islam puts
		
00:06:58 --> 00:07:00
			on it so that you don't go anywhere
		
00:07:00 --> 00:07:00
			near it.
		
00:07:02 --> 00:07:02
			Right?
		
00:07:02 --> 00:07:03
			So this is something very important.
		
00:07:04 --> 00:07:07
			And this is one of the reasons why
		
00:07:07 --> 00:07:15
			the Quraysh opposed Islam the greatest because these
		
00:07:15 --> 00:07:18
			were business people and to them it looked
		
00:07:18 --> 00:07:20
			like this Islam is going to destroy my
		
00:07:20 --> 00:07:20
			business.
		
00:07:21 --> 00:07:22
			Control it.
		
00:07:23 --> 00:07:25
			So I cannot make the profits I was
		
00:07:25 --> 00:07:25
			making.
		
00:07:26 --> 00:07:27
			So we cannot.
		
00:07:29 --> 00:07:30
			We will not do it.
		
00:07:30 --> 00:07:31
			But just think about it.
		
00:07:31 --> 00:07:32
			Read the history.
		
00:07:32 --> 00:07:35
			What actually happened when finally they came to
		
00:07:35 --> 00:07:38
			Islam and they started operating under Islamic principles.
		
00:07:39 --> 00:07:41
			Did their wealth go up or down?
		
00:07:41 --> 00:07:42
			Up!
		
00:07:43 --> 00:07:45
			It went up in a way they could
		
00:07:45 --> 00:07:47
			not even have dreamt of.
		
00:07:47 --> 00:07:49
			Even in their best times they never dreamt
		
00:07:49 --> 00:07:52
			of ruling Byzantine and ruling Persia.
		
00:07:54 --> 00:07:55
			Allah gave them that to rule.
		
00:07:56 --> 00:07:56
			Right?
		
00:07:57 --> 00:07:59
			At the most they dreamt of making money.
		
00:07:59 --> 00:08:01
			They didn't think Abu Sufyan did not think
		
00:08:01 --> 00:08:02
			I'm going to be the king of Persia.
		
00:08:02 --> 00:08:03
			No!
		
00:08:03 --> 00:08:04
			Allah made them.
		
00:08:04 --> 00:08:05
			He did not make Abu Sufyan.
		
00:08:06 --> 00:08:11
			But the people, the Arabs, they ruled the
		
00:08:11 --> 00:08:11
			whole world.
		
00:08:12 --> 00:08:13
			The whole known world.
		
00:08:14 --> 00:08:14
			Allah gave them that.
		
00:08:15 --> 00:08:15
			Why?
		
00:08:15 --> 00:08:17
			Because they followed Allah's subhanahu wa ta'ala's
		
00:08:17 --> 00:08:17
			ahkam.
		
00:08:18 --> 00:08:20
			They followed the way of Muhammad sallallahu alaihi
		
00:08:20 --> 00:08:20
			wa sallam.
		
00:08:20 --> 00:08:23
			Therefore in Islam profit is the pleasure of
		
00:08:23 --> 00:08:23
			Allah.
		
00:08:24 --> 00:08:26
			It is not return on investment.
		
00:08:26 --> 00:08:26
			ROI.
		
00:08:27 --> 00:08:29
			Its profit is the pleasure of Allah.
		
00:08:31 --> 00:08:35
			Sometimes I say in the interfaith workshop, we
		
00:08:35 --> 00:08:37
			say we want peace.
		
00:08:37 --> 00:08:39
			I say you will never have peace until
		
00:08:39 --> 00:08:41
			you have your ROI, return on investment, based
		
00:08:41 --> 00:08:42
			on war.
		
00:08:43 --> 00:08:45
			Wars happen not because anyone hates anybody.
		
00:08:45 --> 00:08:47
			Wars happen because wars make money.
		
00:08:48 --> 00:08:51
			The highest return on investment is on weapons
		
00:08:51 --> 00:08:51
			of mass destruction.
		
00:08:51 --> 00:08:54
			So as long as you are making money
		
00:08:54 --> 00:08:57
			out of death, you will have wars.
		
00:08:57 --> 00:08:58
			You cannot have peace.
		
00:08:59 --> 00:09:03
			So find another ROI, you will get peace
		
00:09:03 --> 00:09:03
			in one minute.
		
00:09:07 --> 00:09:08
			That is why Islam has...
		
00:09:08 --> 00:09:10
			Today we want to live in a world
		
00:09:10 --> 00:09:15
			where we don't want any moral and ethical
		
00:09:15 --> 00:09:16
			considerations.
		
00:09:16 --> 00:09:18
			Remove all ethics and morals.
		
00:09:19 --> 00:09:22
			My desire, whatever I wish to do, I
		
00:09:22 --> 00:09:23
			should be able to do.
		
00:09:24 --> 00:09:25
			Halal, haram, no problem.
		
00:09:26 --> 00:09:29
			And I must make maximum amount of money.
		
00:09:29 --> 00:09:33
			By making money, who else is hurt, no
		
00:09:33 --> 00:09:33
			problem.
		
00:09:34 --> 00:09:35
			Somebody dies, bad luck.
		
00:09:36 --> 00:09:37
			This is our way today.
		
00:09:38 --> 00:09:40
			Then we say there is so much of
		
00:09:40 --> 00:09:41
			suffering.
		
00:09:41 --> 00:09:42
			Of course there will be suffering.
		
00:09:43 --> 00:09:44
			How will you not have suffering?
		
00:09:45 --> 00:09:46
			You put salt in the food, you say
		
00:09:46 --> 00:09:47
			there is too much of salt.
		
00:09:49 --> 00:09:50
			Who put the salt?
		
00:09:50 --> 00:09:51
			You put the salt.
		
00:09:51 --> 00:09:52
			So there will be more salt.
		
00:09:52 --> 00:09:53
			Who told you to put salt?
		
00:09:53 --> 00:09:54
			Take out the salt.
		
00:09:54 --> 00:09:55
			Don't put so much of salt.
		
00:09:57 --> 00:09:57
			Right?
		
00:10:00 --> 00:10:03
			So now if you look at the Croatian
		
00:10:03 --> 00:10:07
			banking system, you see what they did in
		
00:10:07 --> 00:10:08
			my research, I discovered this.
		
00:10:09 --> 00:10:11
			What they did was, they basically took the
		
00:10:11 --> 00:10:16
			Roman system of finance, which was almost a
		
00:10:16 --> 00:10:20
			thousand years older than the time of Moses.
		
00:10:21 --> 00:10:23
			The Romans also had a global trade.
		
00:10:23 --> 00:10:25
			They had a world empire, they had a
		
00:10:25 --> 00:10:25
			global trade.
		
00:10:26 --> 00:10:28
			So they used things like lines of credit,
		
00:10:29 --> 00:10:35
			deferred payments, LCs, letters of credit, forward purchasing,
		
00:10:35 --> 00:10:40
			interest-based lending, multiple currencies, risk financing, all
		
00:10:40 --> 00:10:41
			of that stuff.
		
00:10:41 --> 00:10:42
			Credit rating.
		
00:10:43 --> 00:10:44
			The Romans had all these systems.
		
00:10:45 --> 00:10:46
			And the Arabs just took over those systems.
		
00:10:46 --> 00:10:47
			And the very simple reason.
		
00:10:47 --> 00:10:50
			See, if I am taking a caravan from,
		
00:10:51 --> 00:10:53
			basically the caravan went, as I mentioned yesterday,
		
00:10:54 --> 00:10:55
			from Yemen to Sham.
		
00:10:56 --> 00:10:59
			And they stopped midway in Mecca, because this
		
00:10:59 --> 00:11:02
			was home territory, and it was a good
		
00:11:02 --> 00:11:05
			place to take some rest, replenish, and go
		
00:11:05 --> 00:11:05
			forward.
		
00:11:06 --> 00:11:08
			And because of that stop, it created a
		
00:11:08 --> 00:11:11
			local market in Mecca, which was also beneficial
		
00:11:11 --> 00:11:12
			for them.
		
00:11:12 --> 00:11:14
			So they made profit in three places, in
		
00:11:14 --> 00:11:16
			Yemen, in Mecca, as well as in Sham.
		
00:11:16 --> 00:11:17
			And this was very good for them.
		
00:11:18 --> 00:11:21
			But if I am taking a caravan, and
		
00:11:21 --> 00:11:24
			they took caravans of thousands of camels, these
		
00:11:24 --> 00:11:27
			are massive things, like a moving city.
		
00:11:28 --> 00:11:30
			Now when they took those caravans, if I
		
00:11:30 --> 00:11:33
			am taking money to buy things, in those
		
00:11:33 --> 00:11:34
			days, money was not paper money.
		
00:11:35 --> 00:11:36
			Money was gold.
		
00:11:36 --> 00:11:38
			So I would have to have camels and
		
00:11:38 --> 00:11:43
			camels of gold to carry, to buy things.
		
00:11:43 --> 00:11:45
			Now two big problems with that.
		
00:11:45 --> 00:11:47
			One is the bulk of it, to transport
		
00:11:47 --> 00:11:48
			that.
		
00:11:48 --> 00:11:49
			Secondly, it's dangerous.
		
00:11:49 --> 00:11:52
			Now I become absolute target for every bandit
		
00:11:52 --> 00:11:53
			under every tree.
		
00:11:54 --> 00:11:55
			So what am I going to do?
		
00:11:55 --> 00:11:57
			I will have to have an army moving
		
00:11:57 --> 00:11:57
			with me also.
		
00:11:58 --> 00:12:00
			I can't have an army with me, because
		
00:12:00 --> 00:12:01
			all that comes out of my profit.
		
00:12:01 --> 00:12:02
			So my profit goes down the drain.
		
00:12:03 --> 00:12:06
			So simplest thing was letters of credit.
		
00:12:06 --> 00:12:08
			So I have a banker here, I have
		
00:12:08 --> 00:12:09
			a banker there.
		
00:12:09 --> 00:12:11
			His bank gives a letter of credit, lend
		
00:12:11 --> 00:12:13
			so and so, so many million.
		
00:12:13 --> 00:12:15
			I go there, I show the letter, I
		
00:12:15 --> 00:12:17
			get so many millions, and then he gives
		
00:12:17 --> 00:12:18
			me a letter, I come here.
		
00:12:19 --> 00:12:21
			That's exactly the system that is followed till
		
00:12:21 --> 00:12:21
			today.
		
00:12:22 --> 00:12:24
			That's why I say sometimes I was lecturing
		
00:12:24 --> 00:12:26
			at a university in Massachusetts, I said to
		
00:12:26 --> 00:12:29
			them that if you brought Al-Abbas bin
		
00:12:29 --> 00:12:33
			Abdul Muttalib, Abu Sufyan, Raja Al Anwar and
		
00:12:33 --> 00:12:36
			others today to Wall Street, or if you
		
00:12:36 --> 00:12:39
			brought them today to the Federal Reserve, or
		
00:12:39 --> 00:12:40
			you brought them today to one of our
		
00:12:40 --> 00:12:44
			global banks, believe me, they will not be
		
00:12:44 --> 00:12:45
			surprised.
		
00:12:45 --> 00:12:47
			The only thing new for them will be
		
00:12:47 --> 00:12:47
			the computers.
		
00:12:48 --> 00:12:48
			The machines.
		
00:12:48 --> 00:12:49
			The machines, nothing else.
		
00:12:50 --> 00:12:51
			Systems, they know all the systems.
		
00:12:52 --> 00:12:53
			They know all the systems.
		
00:12:53 --> 00:12:55
			You could take Abu Sufyan and make him
		
00:12:55 --> 00:12:56
			the head of the Federal Reserve, he would
		
00:12:56 --> 00:12:57
			do a fantastic job.
		
00:12:59 --> 00:13:00
			He would know everything.
		
00:13:00 --> 00:13:02
			He would know all about lending and borrowing
		
00:13:02 --> 00:13:04
			and interest rates and this and that, everything.
		
00:13:04 --> 00:13:06
			They know all the stuff, because that was
		
00:13:06 --> 00:13:07
			their system.
		
00:13:07 --> 00:13:09
			The only thing new is machines.
		
00:13:09 --> 00:13:10
			Nothing else.
		
00:13:10 --> 00:13:10
			Right?
		
00:13:14 --> 00:13:23
			Now in that situation, Rasulullah came and he
		
00:13:23 --> 00:13:27
			brought a system which is a true system
		
00:13:27 --> 00:13:28
			of partnership.
		
00:13:29 --> 00:13:32
			He brought a system which underlines a very
		
00:13:32 --> 00:13:33
			important thing.
		
00:13:33 --> 00:13:38
			And that is, in Islam, money is not
		
00:13:38 --> 00:13:40
			a commodity for trade.
		
00:13:40 --> 00:13:41
			Please understand this very clearly.
		
00:13:42 --> 00:13:42
			Right?
		
00:13:43 --> 00:13:47
			In Islam, money is not a commodity for
		
00:13:47 --> 00:13:47
			trade.
		
00:13:48 --> 00:13:51
			Money is a means of buying something and
		
00:13:51 --> 00:13:53
			receiving for selling something.
		
00:13:54 --> 00:13:56
			But you cannot take the money itself and
		
00:13:56 --> 00:13:57
			do anything with it.
		
00:13:57 --> 00:13:59
			That's why interest-based banking is haram.
		
00:14:00 --> 00:14:01
			Interest is what?
		
00:14:01 --> 00:14:01
			Money on money.
		
00:14:03 --> 00:14:04
			That's haram, because money is not a commodity.
		
00:14:06 --> 00:14:07
			See the principles of Islam.
		
00:14:08 --> 00:14:09
			Nabi Sallallahu Alaihi Wasallam says in the Hadith
		
00:14:09 --> 00:14:13
			in Abu Dawud, whoever lets a person off,
		
00:14:15 --> 00:14:18
			meaning, somebody borrows money, he is not giving
		
00:14:18 --> 00:14:20
			it back, you say, Alhamdulillah, no problem, take
		
00:14:20 --> 00:14:21
			it, keep it.
		
00:14:22 --> 00:14:24
			Because you are in need and so on,
		
00:14:24 --> 00:14:25
			I will not put pressure on you, keep
		
00:14:25 --> 00:14:26
			it.
		
00:14:27 --> 00:14:29
			Allah Subhanahu Wa Ta'ala will relieve his
		
00:14:29 --> 00:14:30
			distress on the Day of Resurrection.
		
00:14:31 --> 00:14:31
			Alhamdulillah.
		
00:14:32 --> 00:14:33
			But what does that do to my business
		
00:14:33 --> 00:14:33
			here?
		
00:14:35 --> 00:14:38
			If I am running a bank, I give
		
00:14:38 --> 00:14:40
			a loan here, he can't return it, no
		
00:14:40 --> 00:14:41
			problem, keep it.
		
00:14:41 --> 00:14:43
			I give a loan here, he can't return
		
00:14:43 --> 00:14:44
			it, no problem, keep it.
		
00:14:45 --> 00:14:46
			My bank is going to shut down.
		
00:14:48 --> 00:14:51
			It is not a business model.
		
00:14:53 --> 00:14:55
			But my point is, Nabi Sallallahu Alaihi Wasallam
		
00:14:55 --> 00:14:56
			says, this system doesn't work.
		
00:14:57 --> 00:14:57
			I said, why?
		
00:14:57 --> 00:14:58
			He says, it is not a business model.
		
00:14:58 --> 00:14:59
			I said, it is not supposed to be
		
00:14:59 --> 00:15:00
			a business model.
		
00:15:00 --> 00:15:02
			Money is not a commodity for trade.
		
00:15:03 --> 00:15:06
			Money is to be used for two purposes.
		
00:15:06 --> 00:15:08
			One is to buy and sell, and two,
		
00:15:08 --> 00:15:09
			to help people.
		
00:15:11 --> 00:15:12
			You are in need, you ask me, I
		
00:15:12 --> 00:15:15
			give you money to help you, Alhamdulillah, for
		
00:15:15 --> 00:15:15
			the sake of Allah.
		
00:15:18 --> 00:15:19
			It is not a trade commodity.
		
00:15:21 --> 00:15:23
			Nabi Sallallahu Alaihi Wasallam says, Allah Subhanahu Wa
		
00:15:23 --> 00:15:25
			Ta'ala says in the Hadith in Muslim,
		
00:15:25 --> 00:15:28
			whoever waits for one who is in financial
		
00:15:28 --> 00:15:32
			difficulty to repay, or wears it, gives it
		
00:15:32 --> 00:15:33
			away.
		
00:15:34 --> 00:15:36
			Allah Subhanahu Wa Ta'ala will shade him
		
00:15:36 --> 00:15:38
			under His shade of the Arsh.
		
00:15:39 --> 00:15:42
			See what this underlines and emphasizes.
		
00:15:42 --> 00:15:45
			First and foremost, this underlines our own Iman.
		
00:15:45 --> 00:15:48
			I must have Iman that there is a
		
00:15:48 --> 00:15:48
			Day of Judgment.
		
00:15:49 --> 00:15:51
			I must have Iman that the shade of
		
00:15:51 --> 00:15:55
			the Arsh of Allah, Jalla Shanahu, is worth
		
00:15:55 --> 00:15:57
			something to look forward to.
		
00:15:57 --> 00:15:59
			I need the shade of the Arsh of
		
00:15:59 --> 00:15:59
			Allah.
		
00:16:00 --> 00:16:05
			If I don't have that Iman, how will
		
00:16:05 --> 00:16:05
			I give up my money?
		
00:16:06 --> 00:16:07
			So, very important to understand that.
		
00:16:07 --> 00:16:09
			That is what Islam brought.
		
00:16:10 --> 00:16:12
			Fundamental belief in the Akhira.
		
00:16:16 --> 00:16:18
			Nabi Sallallahu Alaihi Wasallam said in the Hadith
		
00:16:18 --> 00:16:20
			in Bukhari and Muslim, the meaning of which,
		
00:16:20 --> 00:16:24
			two parties to a transaction have the option
		
00:16:24 --> 00:16:26
			of cancelling it until they part.
		
00:16:27 --> 00:16:30
			If they are honest and disclose any defects,
		
00:16:31 --> 00:16:32
			their transaction will be blessed.
		
00:16:32 --> 00:16:34
			And if they lie and conceal the defects,
		
00:16:35 --> 00:16:36
			the blessings will be erased.
		
00:16:38 --> 00:16:40
			That is the reason why the famous saying
		
00:16:40 --> 00:16:44
			of Sayyidina Umar ibn Khattab.
		
00:16:44 --> 00:16:49
			He said, it is not permissible for a
		
00:16:49 --> 00:16:52
			trader in the market of Madeera to trade
		
00:16:52 --> 00:16:56
			unless he learns about trade, the principles of
		
00:16:56 --> 00:16:58
			trade in Masjid an-Nabawi Sharif.
		
00:16:59 --> 00:17:02
			He said, the person, if a Muslim wants
		
00:17:02 --> 00:17:05
			to have a business, he must first learn
		
00:17:05 --> 00:17:14
			the Usul of business before he goes into
		
00:17:14 --> 00:17:14
			business.
		
00:17:15 --> 00:17:17
			Just ask us, we all want to have
		
00:17:17 --> 00:17:19
			start-ups and so on and so forth.
		
00:17:19 --> 00:17:22
			We have all kinds of questions about sourcing
		
00:17:22 --> 00:17:23
			of funds and what not, right?
		
00:17:24 --> 00:17:27
			Recruitment procedures and company policies.
		
00:17:27 --> 00:17:29
			Do we also say, what are the principles
		
00:17:29 --> 00:17:31
			of Islam that I have to apply here?
		
00:17:33 --> 00:17:33
			Do we do that?
		
00:17:33 --> 00:17:35
			I am not talking about simply creating a
		
00:17:35 --> 00:17:38
			Musala in your office, no.
		
00:17:38 --> 00:17:39
			Principles of business.
		
00:17:43 --> 00:17:44
			We need to think like this.
		
00:17:45 --> 00:17:46
			Principles of business.
		
00:17:49 --> 00:17:52
			There are so many stories of the Sahaba
		
00:17:52 --> 00:17:54
			who came and the way they did business.
		
00:17:56 --> 00:18:02
			In four Hijri, there were two Sahabi, two
		
00:18:02 --> 00:18:03
			of the Sahaba, four Hijri.
		
00:18:03 --> 00:18:04
			Nabi Sallallahu Alaihi Wasallam was in Madeera.
		
00:18:05 --> 00:18:10
			Two Sahaba came on a trading ship to
		
00:18:10 --> 00:18:15
			India, to a place called Kodangallu, which is
		
00:18:15 --> 00:18:18
			near Cochin, down south.
		
00:18:20 --> 00:18:28
			And that was the kingdom of the Kulushekar
		
00:18:28 --> 00:18:30
			of Perumal dynasty.
		
00:18:34 --> 00:18:35
			So they came there.
		
00:18:36 --> 00:18:36
			They landed.
		
00:18:39 --> 00:18:40
			They met the king.
		
00:18:40 --> 00:18:41
			The king called them.
		
00:18:42 --> 00:18:43
			They met the king.
		
00:18:46 --> 00:18:47
			The king said, who are you?
		
00:18:47 --> 00:18:47
			What are you?
		
00:18:47 --> 00:18:49
			They said, we have come from Arabia.
		
00:18:49 --> 00:18:50
			We have come to trade.
		
00:18:50 --> 00:18:52
			And can you allow us?
		
00:18:52 --> 00:18:53
			He said, yes, of course.
		
00:18:53 --> 00:18:53
			Welcome.
		
00:18:54 --> 00:18:54
			Come and trade.
		
00:18:56 --> 00:18:58
			And the king said, we have a question.
		
00:18:58 --> 00:19:02
			He said, we saw the moon splitting.
		
00:19:05 --> 00:19:07
			He said, so many months back, we saw
		
00:19:07 --> 00:19:09
			the moon in two parts.
		
00:19:09 --> 00:19:10
			Then it joined.
		
00:19:13 --> 00:19:14
			He said, we don't know what this is.
		
00:19:17 --> 00:19:23
			And he said, I asked my astrologers, and
		
00:19:23 --> 00:19:26
			my astrologers said that this happened because of,
		
00:19:28 --> 00:19:32
			in their language, Rishi Muni, meaning a holy
		
00:19:32 --> 00:19:36
			man, the messenger of Allah, who came in
		
00:19:36 --> 00:19:39
			the land of the dead palms.
		
00:19:40 --> 00:19:42
			So you have come from this land.
		
00:19:42 --> 00:19:42
			Do you know about this?
		
00:19:43 --> 00:19:46
			They said, yes, this is Shakul Khamar, which
		
00:19:46 --> 00:19:49
			our Nabi, sallallahu alayhi wa sallam, Allah subhanahu
		
00:19:49 --> 00:19:51
			wa ta'ala, gave him this mu'ajiza.
		
00:19:52 --> 00:19:54
			And he caused this to happen.
		
00:19:58 --> 00:19:59
			The king gave them place to build a
		
00:19:59 --> 00:19:59
			masjid.
		
00:20:01 --> 00:20:02
			Fourth Hijri.
		
00:20:02 --> 00:20:05
			That masjid is there till today.
		
00:20:06 --> 00:20:08
			I have prayed in that masjid, in Kodangalur.
		
00:20:12 --> 00:20:13
			So they built the masjid.
		
00:20:14 --> 00:20:16
			And then they needed a lamp.
		
00:20:17 --> 00:20:19
			So the king gave a lamp from one
		
00:20:19 --> 00:20:20
			of their temples.
		
00:20:21 --> 00:20:22
			That lamp is there till today.
		
00:20:23 --> 00:20:24
			It's a brass lamp.
		
00:20:25 --> 00:20:26
			It is there in that masjid.
		
00:20:29 --> 00:20:30
			Then they were trading in the market.
		
00:20:32 --> 00:20:33
			So they had grain.
		
00:20:35 --> 00:20:36
			One day it rained.
		
00:20:36 --> 00:20:37
			Some of the grain got wet.
		
00:20:37 --> 00:20:39
			So when people came to buy the grain,
		
00:20:39 --> 00:20:40
			they said, no, wait.
		
00:20:40 --> 00:20:41
			They took it out.
		
00:20:41 --> 00:20:42
			They said, this is wet.
		
00:20:43 --> 00:20:44
			So we give you this much discount.
		
00:20:45 --> 00:20:46
			People are surprised.
		
00:20:46 --> 00:20:47
			They said, what is this?
		
00:20:49 --> 00:20:50
			The other traders came.
		
00:20:50 --> 00:20:51
			They said, don't do this.
		
00:20:51 --> 00:20:52
			You will spoil our market.
		
00:20:55 --> 00:20:56
			Who taught you this?
		
00:20:56 --> 00:20:58
			This is not the way we do business.
		
00:21:00 --> 00:21:03
			So the sahabi said, but this is the
		
00:21:03 --> 00:21:03
			way we do business.
		
00:21:04 --> 00:21:05
			Who taught us?
		
00:21:05 --> 00:21:08
			Muhammad Rasulallah taught us.
		
00:21:08 --> 00:21:10
			We don't deceive anybody.
		
00:21:10 --> 00:21:13
			We show the defects of the goods.
		
00:21:13 --> 00:21:14
			If there is something wrong, we'll tell you.
		
00:21:16 --> 00:21:20
			The king was so impressed that he gave
		
00:21:20 --> 00:21:21
			his kingdom to his son.
		
00:21:22 --> 00:21:23
			He went to meet Rasulallah.
		
00:21:23 --> 00:21:24
			He met Rasulallah.
		
00:21:24 --> 00:21:26
			He accepted Islam.
		
00:21:27 --> 00:21:28
			He returned on the way.
		
00:21:28 --> 00:21:30
			He died in Oman in a place called
		
00:21:30 --> 00:21:30
			Salalah.
		
00:21:31 --> 00:21:32
			His grave is there.
		
00:21:32 --> 00:21:33
			I have seen the grave.
		
00:21:33 --> 00:21:34
			I was in Salalah.
		
00:21:34 --> 00:21:35
			I went to visit the grave.
		
00:21:36 --> 00:21:36
			Hajeeb, eh?
		
00:21:37 --> 00:21:38
			Four hijri.
		
00:21:39 --> 00:21:41
			Islam came to India.
		
00:21:42 --> 00:21:43
			Four hijri.
		
00:21:45 --> 00:21:46
			How did it come?
		
00:21:46 --> 00:21:49
			It did not come by the sahabi coming
		
00:21:49 --> 00:21:51
			and making a big khatira or a big
		
00:21:51 --> 00:21:51
			khutba.
		
00:21:51 --> 00:21:52
			There was no Muslims.
		
00:21:52 --> 00:21:53
			Who will make khatira do?
		
00:21:54 --> 00:21:56
			It came by business.
		
00:21:58 --> 00:22:02
			By businessmen doing business according to Islam.
		
00:22:03 --> 00:22:04
			No lying.
		
00:22:04 --> 00:22:05
			No cheating.
		
00:22:05 --> 00:22:06
			No deceiving anybody.
		
00:22:06 --> 00:22:07
			Being kind.
		
00:22:07 --> 00:22:08
			Giving good product.
		
00:22:08 --> 00:22:09
			Good service.
		
00:22:10 --> 00:22:12
			Good delivering on time.
		
00:22:14 --> 00:22:15
			Worthy of your tongue.
		
00:22:16 --> 00:22:17
			By promise.
		
00:22:17 --> 00:22:18
			I stand by my promise.
		
00:22:22 --> 00:22:24
			There is a beautiful story from the market
		
00:22:24 --> 00:22:25
			of Madinah.
		
00:22:26 --> 00:22:29
			A man came from the Banu Nadir, the
		
00:22:29 --> 00:22:30
			Jewish tribe.
		
00:22:31 --> 00:22:32
			He came to the market of Madinah to
		
00:22:32 --> 00:22:33
			buy something.
		
00:22:33 --> 00:22:35
			He came to one of the shopkeepers.
		
00:22:35 --> 00:22:36
			They are all sahaba.
		
00:22:37 --> 00:22:39
			It was during the time of Prophet Muhammad.
		
00:22:39 --> 00:22:41
			He came to one of the shops and
		
00:22:41 --> 00:22:43
			he asked the man for the thing.
		
00:22:45 --> 00:22:47
			So the sahabi said to him, look, I
		
00:22:47 --> 00:22:48
			have this.
		
00:22:48 --> 00:22:48
			This is the price.
		
00:22:50 --> 00:22:52
			The Banu Nadir man, he said, yeah, sure.
		
00:22:52 --> 00:22:53
			This is a good price.
		
00:22:53 --> 00:22:53
			I will take it.
		
00:22:54 --> 00:22:54
			He said, now do me a favor.
		
00:22:55 --> 00:22:57
			Don't buy from here.
		
00:22:57 --> 00:22:59
			Go to that shop in the corner there.
		
00:23:00 --> 00:23:01
			That man in the shop, he has the
		
00:23:01 --> 00:23:03
			same product, same price.
		
00:23:03 --> 00:23:04
			Go buy from him.
		
00:23:06 --> 00:23:08
			So this customer said, this is a strange
		
00:23:08 --> 00:23:09
			thing.
		
00:23:09 --> 00:23:10
			I come to you to buy.
		
00:23:10 --> 00:23:11
			You sell me, finished.
		
00:23:11 --> 00:23:13
			Why are you sending me to the other?
		
00:23:13 --> 00:23:14
			The other man is your competitor.
		
00:23:15 --> 00:23:16
			He said, no, no, just go buy.
		
00:23:17 --> 00:23:19
			He said, go buy from him because I
		
00:23:19 --> 00:23:20
			have been watching him.
		
00:23:20 --> 00:23:22
			Today he did not get any customers.
		
00:23:24 --> 00:23:26
			Now we are going to close the market.
		
00:23:26 --> 00:23:27
			In the night they close the market.
		
00:23:28 --> 00:23:30
			Now we are almost at closing time.
		
00:23:30 --> 00:23:32
			This man, the whole day has passed.
		
00:23:32 --> 00:23:33
			He has got no customers.
		
00:23:33 --> 00:23:34
			Go buy from him.
		
00:23:34 --> 00:23:35
			He will get some money.
		
00:23:35 --> 00:23:36
			He will take some money home.
		
00:23:36 --> 00:23:38
			Otherwise he will go home empty-handed.
		
00:23:39 --> 00:23:41
			So this Banu Razil, he went there.
		
00:23:43 --> 00:23:44
			He bought the thing.
		
00:23:45 --> 00:23:46
			He came back.
		
00:23:46 --> 00:23:48
			When he came back here to the sahabi,
		
00:23:48 --> 00:23:50
			the sahabi had some more customers.
		
00:23:51 --> 00:23:51
			So he is waiting.
		
00:23:53 --> 00:23:54
			The sahabi saw him.
		
00:23:55 --> 00:23:58
			When the customers finished, he called him.
		
00:23:58 --> 00:23:59
			He said, what happened?
		
00:23:59 --> 00:23:59
			You didn't get the thing?
		
00:24:00 --> 00:24:01
			He said, no, I got it.
		
00:24:02 --> 00:24:04
			He said, then why are you here?
		
00:24:05 --> 00:24:07
			He said, because I want something from you.
		
00:24:08 --> 00:24:09
			From me?
		
00:24:09 --> 00:24:10
			What?
		
00:24:11 --> 00:24:14
			He said, I want from you that which
		
00:24:14 --> 00:24:16
			made you send me there.
		
00:24:20 --> 00:24:24
			I want from you the thing which made
		
00:24:24 --> 00:24:25
			you send me there.
		
00:24:28 --> 00:24:29
			He said, that is Islam.
		
00:24:29 --> 00:24:29
			He said, yes.
		
00:24:30 --> 00:24:31
			I want your Islam.
		
00:24:32 --> 00:24:34
			He said, why are you asking me?
		
00:24:34 --> 00:24:36
			He said, because the man you sent me
		
00:24:36 --> 00:24:38
			to is a man from my tribe.
		
00:24:38 --> 00:24:39
			That is a Jewish man you sent me
		
00:24:39 --> 00:24:40
			to.
		
00:24:41 --> 00:24:42
			You are a Muslim.
		
00:24:42 --> 00:24:44
			You could have sold me the same thing
		
00:24:44 --> 00:24:48
			you sent me to a Jewish shopkeeper.
		
00:24:49 --> 00:24:51
			Because you are concerned and worried the man
		
00:24:51 --> 00:24:52
			did not get any business today.
		
00:24:52 --> 00:24:54
			He will go home empty-handed.
		
00:24:54 --> 00:24:56
			I don't want him to go home empty
		
00:24:56 --> 00:24:56
			-handed.
		
00:24:58 --> 00:24:59
			What makes you do that?
		
00:25:01 --> 00:25:02
			He said, that is what I want.
		
00:25:02 --> 00:25:03
			The material I got.
		
00:25:04 --> 00:25:05
			What is in your heart?
		
00:25:05 --> 00:25:05
			Give me.
		
00:25:06 --> 00:25:07
			I said, there is no god but Allah.
		
00:25:08 --> 00:25:09
			I bear witness that Muhammad is His Messenger.
		
00:25:10 --> 00:25:11
			Trade.
		
00:25:12 --> 00:25:12
			Business.
		
00:25:14 --> 00:25:14
			Money.
		
00:25:14 --> 00:25:17
			So the principle and concept of money in
		
00:25:17 --> 00:25:19
			Islam is earn and spend halal.
		
00:25:21 --> 00:25:23
			Otherwise, we know the consequences.
		
00:25:24 --> 00:25:25
			Money lending is not a business.
		
00:25:27 --> 00:25:28
			Money is not a commodity.
		
00:25:29 --> 00:25:30
			It is not there to be lent.
		
00:25:30 --> 00:25:32
			It is to be lent only for helping
		
00:25:32 --> 00:25:33
			people.
		
00:25:33 --> 00:25:33
			Nothing else.
		
00:25:34 --> 00:25:34
			Venture capital.
		
00:25:35 --> 00:25:36
			Shareholding.
		
00:25:36 --> 00:25:37
			Profit sharing.
		
00:25:37 --> 00:25:39
			All of this is jaiz.
		
00:25:39 --> 00:25:39
			No problem.
		
00:25:41 --> 00:25:43
			You want to borrow money from me to
		
00:25:43 --> 00:25:44
			start a business.
		
00:25:44 --> 00:25:46
			I will not lend you the money, but
		
00:25:46 --> 00:25:48
			I will buy equity in your business.
		
00:25:48 --> 00:25:49
			Give me 10% of your business.
		
00:25:50 --> 00:25:51
			Give me 30% of your business.
		
00:25:51 --> 00:25:52
			I will fund you.
		
00:25:52 --> 00:25:52
			No problem.
		
00:25:53 --> 00:25:54
			But now I am a shareholder in your
		
00:25:54 --> 00:25:54
			business.
		
00:25:54 --> 00:25:56
			Your business goes up or down.
		
00:25:56 --> 00:25:58
			I am also part of the shareholding.
		
00:25:58 --> 00:25:59
			If you make a loss, I make a
		
00:25:59 --> 00:25:59
			loss.
		
00:25:59 --> 00:26:00
			If you make a profit, I make a
		
00:26:00 --> 00:26:00
			profit.
		
00:26:01 --> 00:26:03
			See the beauty of this system.
		
00:26:03 --> 00:26:05
			What happens, the difference between…
		
00:26:05 --> 00:26:07
			You might say, at the end of the
		
00:26:07 --> 00:26:09
			day, a man comes to you.
		
00:26:09 --> 00:26:11
			He says, I want a million dollars.
		
00:26:12 --> 00:26:13
			So you have an option.
		
00:26:13 --> 00:26:14
			I am giving you a million dollars at
		
00:26:14 --> 00:26:15
			10%.
		
00:26:16 --> 00:26:17
			Money lending.
		
00:26:17 --> 00:26:18
			In Islam, this is haram.
		
00:26:19 --> 00:26:20
			Or I say, okay, I will give you
		
00:26:20 --> 00:26:21
			a million dollars.
		
00:26:21 --> 00:26:22
			Give me 10% of your business.
		
00:26:24 --> 00:26:24
			Right?
		
00:26:24 --> 00:26:25
			So I am not lending.
		
00:26:25 --> 00:26:26
			I am giving you the money, but I
		
00:26:26 --> 00:26:27
			am buying 10% equity.
		
00:26:27 --> 00:26:29
			So you might say, at the end of
		
00:26:29 --> 00:26:30
			the day, you have given me a million
		
00:26:30 --> 00:26:30
			dollars.
		
00:26:30 --> 00:26:30
			What's the difference?
		
00:26:30 --> 00:26:31
			Huge difference.
		
00:26:32 --> 00:26:34
			Because the first thing, the money lending part
		
00:26:34 --> 00:26:37
			of it, whether you live or you die
		
00:26:37 --> 00:26:39
			or you survive or you go on the
		
00:26:39 --> 00:26:41
			street, is no business of mine.
		
00:26:41 --> 00:26:42
			I don't care.
		
00:26:42 --> 00:26:45
			I must have my interest payment on time.
		
00:26:45 --> 00:26:46
			Otherwise, I foreclose.
		
00:26:46 --> 00:26:47
			I throw you out of your house.
		
00:26:48 --> 00:26:49
			I throw you out of your business.
		
00:26:49 --> 00:26:50
			I take over whatever you have.
		
00:26:50 --> 00:26:51
			Yes?
		
00:26:51 --> 00:26:52
			In Islam, this is haram.
		
00:26:53 --> 00:26:57
			In Islam, you become a shareholder in the
		
00:26:57 --> 00:26:58
			welfare of that person.
		
00:26:59 --> 00:27:01
			So now when I am giving you the
		
00:27:01 --> 00:27:02
			money and I am buying, I am getting
		
00:27:02 --> 00:27:04
			10% of your stock, I am interested
		
00:27:04 --> 00:27:05
			in your success.
		
00:27:06 --> 00:27:08
			Because otherwise, I will also lose.
		
00:27:09 --> 00:27:09
			I don't want to lose.
		
00:27:10 --> 00:27:11
			So what happens now?
		
00:27:11 --> 00:27:13
			Now I take interest in your business.
		
00:27:15 --> 00:27:16
			So now Mustafa, I have given him a
		
00:27:16 --> 00:27:16
			million dollars.
		
00:27:17 --> 00:27:19
			So Mustafa tells me, Aqil Yawar, today I
		
00:27:19 --> 00:27:20
			have, you know, a very urgent thing.
		
00:27:20 --> 00:27:23
			I want to take my wife.
		
00:27:23 --> 00:27:26
			She has to go somewhere or whatever domestic
		
00:27:26 --> 00:27:26
			thing.
		
00:27:26 --> 00:27:27
			There is nobody here.
		
00:27:27 --> 00:27:28
			No problem.
		
00:27:28 --> 00:27:29
			I will sit in your shop.
		
00:27:31 --> 00:27:31
			You go.
		
00:27:32 --> 00:27:33
			Take care of whatever you need to do.
		
00:27:33 --> 00:27:34
			I know your business.
		
00:27:35 --> 00:27:36
			I am a shareholder in the business.
		
00:27:36 --> 00:27:37
			I will sit here.
		
00:27:37 --> 00:27:37
			I will take care of it.
		
00:27:38 --> 00:27:40
			There is a sense of mutual caring.
		
00:27:40 --> 00:27:41
			It brings hearts together.
		
00:27:42 --> 00:27:43
			It builds community.
		
00:27:44 --> 00:27:46
			Whereas money lending destroys communities.
		
00:27:47 --> 00:27:48
			We are seeing it here in this country.
		
00:27:48 --> 00:27:51
			This country is the finest example to see
		
00:27:51 --> 00:27:53
			the evil of money lending.
		
00:27:53 --> 00:27:55
			Because this whole country is based on the
		
00:27:55 --> 00:27:57
			haram system of money lending.
		
00:27:59 --> 00:28:00
			We need to change that.
		
00:28:03 --> 00:28:03
			Right?
		
00:28:03 --> 00:28:04
			We need to change that.
		
00:28:05 --> 00:28:08
			So venture capital, shareholding, profit sharing, all of
		
00:28:08 --> 00:28:09
			this is fine.
		
00:28:09 --> 00:28:09
			Alhamdulillah.
		
00:28:14 --> 00:28:18
			That is why charity is an investment.
		
00:28:19 --> 00:28:20
			It's not a cost.
		
00:28:21 --> 00:28:22
			That's why I say to people, don't use
		
00:28:22 --> 00:28:24
			the word sacrifice with regard to Islam.
		
00:28:25 --> 00:28:28
			Sometimes we say even in Urdu, Din ke
		
00:28:28 --> 00:28:29
			liye qurbani kijiye.
		
00:28:30 --> 00:28:33
			Din ke liye qurbani karna naamumkeen hai.
		
00:28:35 --> 00:28:37
			Let me explain this concept to you.
		
00:28:38 --> 00:28:42
			It is impossible to do a sacrifice for
		
00:28:42 --> 00:28:42
			the Deen.
		
00:28:43 --> 00:28:44
			Impossible.
		
00:28:44 --> 00:28:44
			Cannot be done.
		
00:28:45 --> 00:28:45
			You know why?
		
00:28:46 --> 00:28:47
			What is a sacrifice?
		
00:28:48 --> 00:28:51
			A sacrifice is if I do something and
		
00:28:51 --> 00:28:52
			I get no return.
		
00:28:52 --> 00:28:53
			That is sacrifice.
		
00:28:55 --> 00:28:55
			Right?
		
00:28:56 --> 00:28:57
			When you have tandoori chicken, the chicken made
		
00:28:57 --> 00:28:58
			sacrifice for you.
		
00:28:59 --> 00:29:01
			The chicken gave its life, got nothing.
		
00:29:01 --> 00:29:02
			You enjoy your chicken.
		
00:29:04 --> 00:29:05
			There is no other sacrifice.
		
00:29:06 --> 00:29:08
			In Islam, Allah subhanahu wa ta'ala said,
		
00:29:08 --> 00:29:14
			man jaa bil hasanati, follow ashru amthalia.
		
00:29:15 --> 00:29:19
			Ten times, you bring one good deed, you
		
00:29:19 --> 00:29:22
			bring one dinar, one dirham, one minute of
		
00:29:22 --> 00:29:24
			work, one hour of work, whatever you do
		
00:29:24 --> 00:29:26
			for the sake of Islam, Allah said, I
		
00:29:26 --> 00:29:28
			will give you ten times that.
		
00:29:29 --> 00:29:33
			One thousand percent is the minimum that my
		
00:29:33 --> 00:29:35
			Rab Jalla Jalaluhu gives.
		
00:29:37 --> 00:29:39
			Allah does not give less than one thousand
		
00:29:39 --> 00:29:39
			percent.
		
00:29:39 --> 00:29:40
			Can you just think about this?
		
00:29:40 --> 00:29:42
			You say, Allah, I want only a hundred
		
00:29:42 --> 00:29:42
			percent.
		
00:29:42 --> 00:29:42
			No, no.
		
00:29:43 --> 00:29:44
			One thousand percent.
		
00:29:44 --> 00:29:46
			You like it or not, one thousand percent.
		
00:29:47 --> 00:29:48
			Minimum from Allah subhanahu wa ta'ala.
		
00:29:48 --> 00:29:53
			So how is it a sacrifice?
		
00:29:54 --> 00:29:54
			What sacrifice?
		
00:29:55 --> 00:29:58
			Whatever I spend, minimum I will get is
		
00:29:58 --> 00:29:59
			ten times that.
		
00:30:00 --> 00:30:03
			Rabia Basriya Radellana, amazing story.
		
00:30:03 --> 00:30:05
			She was, one day, knock on her door.
		
00:30:07 --> 00:30:08
			She opened the door, a man came.
		
00:30:09 --> 00:30:10
			He said, I am the slave of so
		
00:30:10 --> 00:30:13
			and so, and I have, my master sent
		
00:30:13 --> 00:30:13
			this.
		
00:30:15 --> 00:30:17
			So she opened the packet.
		
00:30:17 --> 00:30:20
			There were nine loaves of bread, nine hoops.
		
00:30:23 --> 00:30:24
			She took it.
		
00:30:24 --> 00:30:25
			She told him, take this back.
		
00:30:26 --> 00:30:26
			This is not for me.
		
00:30:30 --> 00:30:33
			So the man said, subhanallah, this is, my
		
00:30:33 --> 00:30:34
			master sent this for you.
		
00:30:35 --> 00:30:37
			He told me to give it to you.
		
00:30:37 --> 00:30:41
			He said, no, not mine.
		
00:30:41 --> 00:30:42
			He said, why do you say that?
		
00:30:43 --> 00:30:46
			She said, because I gave one hoops this
		
00:30:46 --> 00:30:50
			morning to a, somebody who asked to asylum,
		
00:30:51 --> 00:30:52
			who came here was angry.
		
00:30:52 --> 00:30:52
			I gave him one.
		
00:30:53 --> 00:30:55
			Allah subhanahu wa ta'ala promised ten.
		
00:30:56 --> 00:30:57
			This is only nine.
		
00:30:58 --> 00:30:59
			Not mine.
		
00:30:59 --> 00:30:59
			Take it away.
		
00:31:02 --> 00:31:03
			These are the people of the Quran.
		
00:31:03 --> 00:31:04
			Alhamdulillah, subhanallah.
		
00:31:04 --> 00:31:06
			I mean, there is no interpretation.
		
00:31:06 --> 00:31:10
			Allah said, falahoo ashroo anzaliya, I will not
		
00:31:10 --> 00:31:11
			accept less than ashara.
		
00:31:12 --> 00:31:15
			My Rabb said, ashara, I will not take
		
00:31:15 --> 00:31:16
			less than ashara.
		
00:31:20 --> 00:31:21
			She shut the door.
		
00:31:23 --> 00:31:25
			After a few minutes, again knock.
		
00:31:27 --> 00:31:28
			Same man standing there.
		
00:31:28 --> 00:31:32
			He says to her, ya sayyida, my mistake.
		
00:31:32 --> 00:31:33
			I was hungry.
		
00:31:33 --> 00:31:34
			I ate one loop.
		
00:31:37 --> 00:31:39
			And I thought to myself, she does not
		
00:31:39 --> 00:31:40
			know how many my master sent.
		
00:31:41 --> 00:31:43
			So what does it matter whether it's nine
		
00:31:43 --> 00:31:43
			or ten?
		
00:31:43 --> 00:31:44
			She does not know that she's expecting ten.
		
00:31:45 --> 00:31:46
			So I ate one.
		
00:31:46 --> 00:31:48
			May Allah have mercy on me.
		
00:31:48 --> 00:31:49
			Please ask forgiveness.
		
00:31:49 --> 00:31:51
			I seek your forgiveness.
		
00:31:51 --> 00:31:52
			Ask forgiveness for me.
		
00:31:52 --> 00:31:53
			I felt hungry.
		
00:31:53 --> 00:31:54
			He said, no problem.
		
00:31:54 --> 00:31:55
			Eat as much as you want.
		
00:31:55 --> 00:31:56
			Alhamdulillah.
		
00:32:02 --> 00:32:04
			May Allah give us this yaqeen.
		
00:32:05 --> 00:32:09
			Take away all the needless anxiety from our
		
00:32:09 --> 00:32:09
			hearts.
		
00:32:10 --> 00:32:11
			What will happen?
		
00:32:11 --> 00:32:11
			What will happen?
		
00:32:13 --> 00:32:15
			What will happen is only when we meet
		
00:32:15 --> 00:32:16
			Allah subhanahu wa ta'ala.
		
00:32:18 --> 00:32:20
			But my point I'm saying is that this
		
00:32:20 --> 00:32:22
			is the thing we have to worry about.
		
00:32:25 --> 00:32:27
			Our hearts must be filled with only that
		
00:32:27 --> 00:32:29
			concern, which is, when I meet my Rabb
		
00:32:29 --> 00:32:31
			jalla jalaluhu, will I meet him in a
		
00:32:31 --> 00:32:32
			way where he is pleased with me or
		
00:32:32 --> 00:32:33
			not?
		
00:32:33 --> 00:32:36
			May Allah grant that our last day, like
		
00:32:36 --> 00:32:37
			the man made the dua, O Allah make
		
00:32:37 --> 00:32:40
			my last day my best day when I
		
00:32:40 --> 00:32:42
			meet you, and the last of my actions
		
00:32:42 --> 00:32:43
			the best of my actions.
		
00:32:43 --> 00:32:44
			Alhamdulillah we ask, make this dua for us
		
00:32:44 --> 00:32:46
			and for all of us and all our
		
00:32:46 --> 00:32:46
			families inshallah.
		
00:32:50 --> 00:32:53
			Now see how the sahaba dealt with this.
		
00:32:54 --> 00:32:57
			I mentioned to you the big businesses, these
		
00:32:57 --> 00:33:01
			big financiers, big bankers, like al-Abbas and
		
00:33:01 --> 00:33:02
			others radiyallahu anhuwa.
		
00:33:05 --> 00:33:08
			When Allah subhanahu wa ta'ala prohibited interest,
		
00:33:09 --> 00:33:13
			Rasulullah sallallahu alaihi wa sallam in his khutbatul
		
00:33:13 --> 00:33:15
			wada, Rasulullah sallallahu alaihi wa sallam said Allah
		
00:33:15 --> 00:33:18
			has prohibited interest, all the interest that you
		
00:33:18 --> 00:33:22
			are owned by people, write it off, which
		
00:33:22 --> 00:33:25
			means my account is receivable as far as
		
00:33:25 --> 00:33:27
			if I'm a banker, my account is receivable,
		
00:33:27 --> 00:33:28
			you just cleaned it.
		
00:33:28 --> 00:33:30
			Ya Rasulullah alhamdulillah, my book is now blank.
		
00:33:30 --> 00:33:31
			Alhamdulillah.
		
00:33:35 --> 00:33:38
			Billions of dollars worth of my account receivables
		
00:33:38 --> 00:33:39
			become zero.
		
00:33:41 --> 00:33:42
			Didn't they complain?
		
00:33:43 --> 00:33:45
			Did any of the sahaba say, Ya Rasulullah,
		
00:33:45 --> 00:33:47
			you are wiping out my business, please.
		
00:33:49 --> 00:33:49
			Subhanahu wa ta'ala.
		
00:33:52 --> 00:33:53
			Subhanahu wa ta'ala.
		
00:33:53 --> 00:33:56
			Similarly, I mentioned to you the whole story,
		
00:33:56 --> 00:33:57
			I won't go into the details, the whole
		
00:33:57 --> 00:33:59
			story of when Allah subhanahu wa ta'ala
		
00:33:59 --> 00:34:02
			revealed the hurmat of khabar.
		
00:34:03 --> 00:34:05
			It was a business in Madinah.
		
00:34:06 --> 00:34:07
			Gone.
		
00:34:08 --> 00:34:09
			Just alhamdulillah.
		
00:34:10 --> 00:34:11
			No problem.
		
00:34:11 --> 00:34:14
			And Allah subhanahu wa ta'ala opened the
		
00:34:14 --> 00:34:19
			doors of futuhaat for them, in the two
		
00:34:19 --> 00:34:24
			biggest and oldest empires in history.
		
00:34:25 --> 00:34:28
			The Roman Empire, the Byzantine Empire, about 2000
		
00:34:28 --> 00:34:35
			years, ended with the conquest by Khalid ibn
		
00:34:35 --> 00:34:38
			al-Walid, and the Persian Empire, the Sassanid
		
00:34:38 --> 00:34:41
			Empire, finished with the Battle of Qadisiyah.
		
00:34:48 --> 00:34:49
			This is the result.
		
00:34:49 --> 00:34:51
			But Allah subhanahu wa ta'ala sunnah.
		
00:34:52 --> 00:34:54
			We have to stand up and say, I
		
00:34:54 --> 00:34:55
			am ready to obey and take the first
		
00:34:55 --> 00:34:55
			step.
		
00:34:55 --> 00:34:56
			Then the help of Allah comes.
		
00:34:56 --> 00:34:57
			It doesn't come before that.
		
00:34:58 --> 00:35:02
			Yusuf alaihi salam, when the temptation, when the
		
00:35:02 --> 00:35:05
			woman was trying to seduce him, he got
		
00:35:05 --> 00:35:07
			up and ran, then the door opened.
		
00:35:09 --> 00:35:10
			Yusuf alaihi salam did not turn around and
		
00:35:10 --> 00:35:12
			say, is the door open or not, let
		
00:35:12 --> 00:35:12
			me check that first.
		
00:35:12 --> 00:35:13
			No.
		
00:35:14 --> 00:35:16
			He got up and ran, then the door
		
00:35:16 --> 00:35:16
			opened.
		
00:35:18 --> 00:35:18
			Take the first step.
		
00:35:19 --> 00:35:23
			The Ashab ul-Kahf, when they were, they
		
00:35:23 --> 00:35:25
			had the fitrah and the test of deen,
		
00:35:26 --> 00:35:29
			the young men, they did not say, first
		
00:35:29 --> 00:35:30
			let us find, no.
		
00:35:30 --> 00:35:32
			They said, no, we will not give up
		
00:35:32 --> 00:35:35
			our deen, we will not give up obeying
		
00:35:35 --> 00:35:35
			Allah.
		
00:35:37 --> 00:35:38
			So they left the town.
		
00:35:38 --> 00:35:40
			The moment they left the town, Allah subhanahu
		
00:35:40 --> 00:35:43
			wa ta'ala took care of them, showed
		
00:35:43 --> 00:35:45
			them the cave, and Allah subhanahu wa ta
		
00:35:45 --> 00:35:47
			'ala protected them, and He put them to
		
00:35:47 --> 00:35:49
			sleep, and He took care of them 309
		
00:35:49 --> 00:35:50
			years, and all of that.
		
00:35:51 --> 00:35:53
			You take the first step, then Allah subhanahu
		
00:35:53 --> 00:35:54
			wa ta'ala does the rest.
		
00:35:55 --> 00:35:57
			But we have to show to Allah, ya
		
00:35:57 --> 00:35:57
			Allah, I am ready.
		
00:35:59 --> 00:36:00
			Alhamdulillah, I take the first step.
		
00:36:06 --> 00:36:09
			You know, there's Barbara Winters, one of my
		
00:36:09 --> 00:36:11
			favourite writers, she says this thing about faith.
		
00:36:12 --> 00:36:14
			She says, when you reach the end of
		
00:36:14 --> 00:36:17
			the light of all that you know, she
		
00:36:17 --> 00:36:19
			said, when you reach the end of the
		
00:36:19 --> 00:36:22
			light of all that you know, and are
		
00:36:22 --> 00:36:24
			about to step off into the darkness of
		
00:36:24 --> 00:36:29
			the unknown, faith is to know, she's not
		
00:36:29 --> 00:36:33
			saying believe, faith is to know, yaqeen, faith
		
00:36:33 --> 00:36:36
			is to know that one of two things
		
00:36:36 --> 00:36:37
			will happen.
		
00:36:38 --> 00:36:40
			There will be something firm to stand on,
		
00:36:41 --> 00:36:42
			or you will be taught how to fly.
		
00:36:45 --> 00:36:48
			There will be something firm to stand on,
		
00:36:48 --> 00:36:50
			or you will be taught how to fly.
		
00:36:53 --> 00:36:53
			That is faith.
		
00:36:57 --> 00:37:02
			So now, therefore, to come to the closure
		
00:37:02 --> 00:37:05
			of this, the question, therefore, when we look
		
00:37:05 --> 00:37:07
			at the issue of money is to ask,
		
00:37:07 --> 00:37:09
			I need to ask myself this question and
		
00:37:09 --> 00:37:12
			say, is my income halal, or is it
		
00:37:12 --> 00:37:14
			haram, or is it doubtful?
		
00:37:16 --> 00:37:17
			Three options.
		
00:37:17 --> 00:37:18
			Either it is halal or it is haram.
		
00:37:19 --> 00:37:20
			Or I'm doing things which I'm not sure.
		
00:37:22 --> 00:37:23
			And as I said, if it is halal,
		
00:37:23 --> 00:37:25
			alhamdulillah, you know for sure, please go ahead,
		
00:37:25 --> 00:37:26
			do it, no problem.
		
00:37:26 --> 00:37:28
			If it is haram, stop right away.
		
00:37:29 --> 00:37:33
			If it is doubtful, alhamdulillah, you have ulama,
		
00:37:33 --> 00:37:34
			go ask the Sheikh.
		
00:37:35 --> 00:37:36
			Say, this is what I'm doing, shall I
		
00:37:36 --> 00:37:37
			do, shall I not do, what is it?
		
00:37:37 --> 00:37:38
			Listen to him.
		
00:37:41 --> 00:37:43
			Go to the people of knowledge, ask them,
		
00:37:43 --> 00:37:44
			they will tell you.
		
00:37:45 --> 00:37:48
			But don't play around in the dark with
		
00:37:48 --> 00:37:49
			Allah subhanahu wa ta'ala, don't do that.
		
00:37:51 --> 00:37:55
			Especially because, I say this to myself and
		
00:37:55 --> 00:37:56
			I say this to anybody who asks me,
		
00:37:56 --> 00:38:00
			Allah subhanahu wa ta'ala said, قُلْ إِنَّ
		
00:38:00 --> 00:38:05
			رَبِّ يَبْسُطُ الرِّزْقَ لِمَن يَشَاءُ وَيَقْدِرُ وَلَكِنَّ أَكْثَرَ
		
00:38:05 --> 00:38:06
			النَّاسِ لَا يَعْلَمُونَ Allah subhanahu wa ta'ala
		
00:38:06 --> 00:38:09
			said, say to them, Ya Muhammad sallallahu alaihi
		
00:38:09 --> 00:38:12
			wa sallam, it is my Rabb who expands
		
00:38:12 --> 00:38:15
			your provision or restricts it, but most people
		
00:38:15 --> 00:38:15
			don't know.
		
00:38:16 --> 00:38:17
			Alhamdulillah, we know because Allah told us.
		
00:38:18 --> 00:38:20
			So Allah subhanahu wa ta'ala is not
		
00:38:20 --> 00:38:22
			going to question you and me on the
		
00:38:22 --> 00:38:26
			quantum, on the quantity of what we earned.
		
00:38:26 --> 00:38:28
			Allah will not, the question on the Day
		
00:38:28 --> 00:38:30
			of Judgment is not, Ya Mustafa, why did
		
00:38:30 --> 00:38:31
			you not earn 10 million dollars?
		
00:38:31 --> 00:38:32
			No.
		
00:38:33 --> 00:38:35
			The question is, Ya Mustafa, how did you
		
00:38:35 --> 00:38:37
			earn whatever you earned?
		
00:38:37 --> 00:38:39
			Whether it was 10 million, 10 trillion or
		
00:38:39 --> 00:38:41
			whether it was 10 dollars, how did you
		
00:38:41 --> 00:38:41
			earn it?
		
00:38:42 --> 00:38:44
			Means, halal or haram?
		
00:38:45 --> 00:38:46
			Not quantum.
		
00:38:46 --> 00:38:48
			Quantum, Allah fixed.
		
00:38:49 --> 00:38:51
			And Allah gave us the choice, you want
		
00:38:51 --> 00:38:53
			it through this door or you want it
		
00:38:53 --> 00:38:54
			through that door.
		
00:38:54 --> 00:38:56
			What is in the room is the same,
		
00:38:56 --> 00:38:57
			it will not change.
		
00:38:57 --> 00:38:58
			Whether you come through this door or you
		
00:38:58 --> 00:39:01
			come through that door, the thing here is
		
00:39:01 --> 00:39:02
			the same.
		
00:39:02 --> 00:39:04
			But if you come through this door, you
		
00:39:04 --> 00:39:06
			will get what is in the room, plus
		
00:39:06 --> 00:39:07
			you will get ajr.
		
00:39:08 --> 00:39:10
			But if you come through that door, you
		
00:39:10 --> 00:39:11
			will still get what is in the room,
		
00:39:12 --> 00:39:13
			but you will get azab.
		
00:39:14 --> 00:39:17
			Now my question to myself and you is,
		
00:39:17 --> 00:39:19
			when I know I will get what is
		
00:39:19 --> 00:39:22
			in the room, and when I know that
		
00:39:22 --> 00:39:24
			the door to use is that door, why
		
00:39:24 --> 00:39:26
			should I go to the other door?
		
00:39:27 --> 00:39:27
			No?
		
00:39:28 --> 00:39:29
			The only way I will go to the
		
00:39:29 --> 00:39:31
			other door is if I have a problem,
		
00:39:31 --> 00:39:33
			a fasad with my iman.
		
00:39:35 --> 00:39:36
			Then shaitan will come and say, no, no,
		
00:39:36 --> 00:39:38
			no, Sheikh, forget all this, this is America,
		
00:39:39 --> 00:39:39
			right?
		
00:39:40 --> 00:39:43
			Sheikh Mirza is talking about 7th century, forget
		
00:39:43 --> 00:39:44
			this, this is 21st century.
		
00:39:47 --> 00:39:49
			You say, alhamdulillah, no problem, you can say
		
00:39:49 --> 00:39:50
			whatever you want, but you know, this is
		
00:39:50 --> 00:39:50
			dunya.
		
00:39:51 --> 00:39:52
			No, no, no, no.
		
00:39:52 --> 00:39:54
			There is no 7th century, 21st century.
		
00:39:56 --> 00:39:59
			Time is not, Allah is the one who
		
00:39:59 --> 00:40:00
			created time.
		
00:40:04 --> 00:40:08
			So what I want you to do, think
		
00:40:08 --> 00:40:10
			about this and say, with regard to my
		
00:40:10 --> 00:40:13
			earning and with regard to my spending, what
		
00:40:13 --> 00:40:15
			is the changes that I should make?
		
00:40:16 --> 00:40:18
			What is it I should start doing?
		
00:40:18 --> 00:40:20
			What is it I should stop doing?
		
00:40:21 --> 00:40:24
			And alhamdulillah, if it is good, what should
		
00:40:24 --> 00:40:25
			I continue to do?
		
00:40:25 --> 00:40:26
			Bi-idhnillahi ta'ala.
		
00:40:27 --> 00:40:28
			Jazakumullah Khair.