Channel: Mirza Yawar Baig
© No part of this transcript may be copied or referenced or transmitted in any way whatsoever. Transcripts are auto-generated and thus will be be inaccurate. We are working on a system to allow volunteers to edit transcripts in a controlled system.
Bismillah Ar Rahman AR He
further for Sala Paulo tobiano de
la la koombana hurrian famine sharee Berman who Falaise? Meeny
Meeny Romani author of
the first sharee Bowman who will polyallylamine home
Leo mibg loo to Juneau
uno de Paul
for a while a
while Oh La, La
La Casa de la
Lake Villa por
Oliver laminate sheet
Bismillah al Rahman al Rahim Allah aladeen ion via bonamana milele
Vela hamato Roman meme, Walla
Walla homea has
moto j minimus
missile or Reba.
don't believe and
the for the two
see in alladhina
Yo, marry me him. What a
la him wanna homea
alaikum wa rahmatullahi no salat wa salam, O Allah shuffelin via evil Marcelino Allah Allah He was Javi he made
a bad I decided for you somewhere from zero to dakara
because we will be dealing with some of them inshallah, today when we look at others on the issue of risk illustrata says In this ayah those who spend their wealth
by night and by day secretly and publicly in the bath of Allah subhanaw taala, they will have the reward with their rub, and no fear will there be concerning them, nor will they grieve. And then Allah subhanaw taala says,
Those who consume interest
cannot stand on the Day of Judgment, except as one stands, who is being beaten by shaitan into insanity, and that is because they say that trade is just like interest, but Allah has permitted trade, and has forbidden interest. So whoever has received an admiration from Islam, and this is and stops may have what his past and his affair is with Allah subhanaw taala with regard to the future,
this ayah Allah subhanaw taala says, Allah Allah, Allah, Allah, Allah, Allah Riba is an ayah, where the whole issue of haram and halal is so beautifully explained in the Quran, where if you look at this,
there are lots of other diseases that people who say that interest is just like trade. Because for example, somebody might say that I have a house, which costs me one crore, I spent one crore by the house, and I give it out on rent. And I'm getting a rent of one lakh per month 100,000 rupees, I bought the house for 10 million, and I am getting the rent of 1.2 million per year. So I'm getting effectively a return on my 10 million of 12%. Right? Return on 10 million, I'm getting a return of 1.2 million for the year. So I'm getting an annual return of 12%. So Now supposing instead of buying the house and giving it on rent and getting a return of 12%, what is the harm if I simply take that
10 million and lend it to somebody at 12% interest?
effectively, the amount of money that I have put out in the market and the return I'm getting is the same?
So what is the difference? How can you say one is halaal and one is hora, rental income is Allah and giving the same 10 million out in the market and getting a return of 12% which is 1.2 million is haram. So someone might argue and say that how is it that one thing is the same thing exactly the same transaction in terms of what is being done? The transaction is the same, which is that a certain amount of money has been put out in the market and you're getting a certain return on this money. That's a transaction basically, what one is
Hello What is haram? Why?
Allah subhanaw taala has answered that in the way that suits His glory and majesty
halala hold by Rama, Reba Hollis.
Just use this one criteria of what is halal and haram what is
what is Allah, whatever Allah subhanho wa Taala has made Allah is Allah
and what is haram? Whatever Allah subhana wa Taala has prohibited is haram
even though the transaction may look like the same thing,
I'll give you two other examples to illustrate.
Rajaratnam said give gifts to one another
because it brings hearts close together.
Yes, also, what you get as a gift is the best of halon
because there is no questioning on the gift,
so supposing I earn $1,000
if I earn the $1,000 in a haram way, there is no question in because I go straight to Delphi. I get punished for it. But if I earn the $1,000 in a halal manner, then Allah subhanaw taala can question me on this We ask Allah subhanaw taala to not to question us, but it is the it is the will of Allah subhanaw taala if he wants to question again, questions, if I'm earning $1,000, then I can be questioned on that. $1,000 but the same $1,000 if I get it as a gift, there's no questioning on it.
There's no questioning on it, I bought it as a gift. And this is from Allah subhanaw taala Bashar Al Hamdulillah. For me, it is clear. For me, there's no questioning on this. So the gift is the best of Allah right now.
What is a gift to give to something a gift to someone? Yes. Now supposing I give a gift
official working in the municipal
And I have a paper which needs to be passed in the municipal commissioner's office. And I am giving this gift to this officer in the municipal office.
In terms of the transaction, is there any change?
But is this transaction jazz or address?
Because you are giving you're giving a bribe?
It's a gift give me I give it to give it to the guy No, no, no.
To give it to because he's your friend. You're nothing. You're not doing it with an ulterior motive. I give this to him, this is what he will do. But that guy you're giving it to him. So the transaction does the shape of the transaction.
The appearance of the transaction has nothing to do with whether a transaction is halal or haram.
I'll give you another example.
In Islam, what is the method of nica?
The mother of nicaea is that you? When you want to marry a girl, you go to the valley of the girl you go to the guardian of the girl.
Yes, and you ask for and in marriage, and if he agrees, then you pay a sum of money,
which is called Maha.
And in the presence of two witnesses, this is dies. Now. This girl is married to you and you are permitted to have a physical relationship with her.
What What do you do? Obviously you don't do this. And we don't do this. But I'm just saying as an example. What does a man do if he wants to have an illegal sexual relationship with a woman?
If he wants to go to a call girl, he wants to go to a prostitute. What does he do?
He has when he
dies. Can you say well, you know after all,
I'll call it man.
Does it become a
I'm saying this for a very specific reason because people give exactly the same arguments with regard to interest.
They give the same arguments with regard to interest.
You understand very clearly, just because you give something a name it does not change its nature. If something is damaged, you call it what you want.
It doesn't make it hollow.
The shape of something the appearance of something has nothing to do with whether it is halal or haram.
What is Halla is what Allah has made Allah and what is haram is what Allah has made haram and that's why this beautiful
Allah has made trade Helen and Allah has made rubber haram no matter how many resemblances you want to pick between trade and Riba. Trade continues to remain halal, and Reebok continues to remain Haram. And the fact that this resembles that in terms of its appearance, is neither here nor there.
And that's a very, very important principle to understand with regard to risk. Because a lot of our problem of risk is because we don't pay attention to this issue of haram and holler, and we fool ourselves in yellow, we allow people to fool the fool fool us by entering into these completely facetious arguments, which really hold no water. So Allah subhanaw taala said, After this, but Allah has permitted trade and has forbidden interest. So whoever has received an admonition, whoever has accepted the warning from Islam, and desis may have what is passed, and his affair rests with Allah, but whoever returns to dealing in interest, those are the companions of the Fire and they will abide
there in forever. There is a word that is used usury, in English translations for Riba and inshallah we'll look at that in detail. And then Allah subhanaw taala said, Allah subhanaw taala Yamaha por la horiba by Yoruba Sokka, Allah de la destroys interests and gives increase for charity. And Allah subhanho wa Taala does not like every sinning disbeliever
indeed those who believe and do righteous deeds and establish salah and give Zakat will have the reward with their rub and there will be no fear concerning them, nor will they grieve.
And then Allah says, Oh, you believe or Oh, you who have believed in Allah, Fear Allah and give up what remains? Do you have interest in Gundam meaning?
Now desire came at a time when interest based banking was prevalent. And one of the biggest bankers of the time was the uncle of Allah, Allah, Allah, Allah Allah.
And when this ayah came, rasulillah salam said that I, and II COVID interest and he said that I give up all the interest that is due to my uncle, from whatever loans he gave to her gift.
And that's because Allah doesn't give up what you what people owe you in terms of the interest, not the principal, some, if you will, if you let somebody $1,000 and the $1,000 was supposed to yield you $100 interest and you give up the interest and said not I don't want interest anymore. And the principal amount can be returned to you. And we'll see that in the next year. But the what I want to draw to your attention or remind me myself a new is that Allah subhanaw taala has used a very, very severe term in this ayah. He said enquanto momineen. He said if you are believers.
Now this is a conditional statement. What does it mean? Supposing I say that I'm a believer, but I will not give up the interest that is due to me, what does it mean now to my belief?
You get the point I'm making, what does it mean about my belief?
It means that I am walking out of Islam if I'm saying I will not give it up. Then I am saying to Allah subhanho wa Taala Allah, if you are believer in going to mommy, and say what? I'm not a woman, sorry. I like my interest.
It's a very, very severe admonition, Allah subhanaw taala is saying, oh you I believe fear Allah, Allah
and give up,
give it up baqia whatever is back whatever is remaining, Minerva, of interest in quantum Meaning, if you should be believers, if you are believers,
for those to whom even this is not clear, Allah subhanaw taala then says
file lambda follow as far as I know, they have a min Allah here are slowly
there is no
prohibition in Islam, which is as severe as this one. Allah subhanaw taala is saying and if you do not do this, do not do this meaning. Do not give up your interest and do not give up building an interest. Allah
Is that be informed as far as I know, as Dan is being given, the call is being given the challenge is being given. The announcement is being made further no harby minella Aracely
be informed of a war
against you from Allah and His Messenger sallallahu alayhi wa salatu salam.
Think about this, on the day of judgment, may Allah, Allah protect us.
We want the rahama of Allah. We want the Mahabharata Allah subhanaw taala we want Nabi sallallahu alayhi wa sallam to intercede for us. We want the Shabbat of Mohammed Salah Allah Allah.
Do we want to go to war with them?
Do we want to seriously go to war with Allah and his messages colossal? I mean, if you want to go to war, we can't find anyone other than Allah and
think about that he wants to go to war go to war with somebody don't why with Allah and why we this episode.
Because those are those who deal in interest on the Day of Judgment, they will be given sorts by the angels, and they will be it will be set to them. Here is the one whose declaration of war you accepted. Now go and fight.
There is nothing in the Koran and in the sadhana, which has been prohibited in such severe terms. We ask Allah subhanaw taala to save us from this fooling of shaitaan which
Vegeta tries to show us that what Allah has made Haram is somehow permissible, it's not possible, it is not permissible whatsoever. And so I was randomizing
if you do not do this, if you do not give up your interest, then be informed of a war against you from Allah Subhana Allah and His Messenger Allah, Allah, Allah, but if you repent, you will have your principal, whatever you will end out without interest, thus, you do no wrong, nor are you wrong.
And if someone isn't hardship, then let there be postponement until a time of ease. But if you give from your right as charity, then it is better for you, if you only knew see this, the religion of ours, see the the the
see the emphasis on
on doing good, and the emphasis on to be doing what is right, with regard to the poor.
What does matter is
that if someone is in hardship, they will you loan some money to someone.
So you had given this money on interest. So now already, you have forgiven the interest, you say, Okay, I don't want the interest anymore. hamdulillah What about the principles on which you give
the principles and you take it back, that is fine, you can take it back, then he's saying that However, even to give back that principle, some
if that person at that time is having some liquidity issues, if he has got some hardship, and so on, then leave it for a while. postpone it,
don't insist, don't force him.
Don't be don't give his name to a collections fellow to go to his house with a
Right? He says limit. And then in addition to that, Allah says then However, if you leave it completely,
meaning that you say that you don't have to get back at all. So one is you're postponing it and you're supposed to pay it back on the first of January doesn't matter I give you until the 31st of December is another 12 months
or whatever period that is good. But Allah says what is even better is you don't take it back at all You tell him swana take it keep it by if you and give it to give it you can't give it to us no problem. They don't want it back.
Now many people when they when they when they see this ayah they say well, how can you have an Islamic banking system based on this? Because if you if you if I give I lend money without interest on the rise, yeah, I don't even want it back then where is the bank?
My answer is very simple. My answer is
we are talking about establishing a globally robust banking system on Islamic principles. That cannot be done in a two minute conversation.
You ask a question, I give you an answer. Therefore now we have a global backing No.
Muslims have to sit down and put their minds together and say, This is the home of Allah subhanho wa Taala.
Keeping this intact,
how can we create a banking system where we can still run a bank
according to the name of Allah subhanho wa Taala
That is what needs to be done. We need to put our minds together and come up with a system and I have no doubt at all that this camera
provided there is interest, provided there is a desire to do something to please Allah. Because what is what they're saying, in this in this particular thing, Allah subhanaw taala, saying in Gundam dallimore.
He said, If you could only know, if you only knew if you could only understand what does it mean?
Islam looks at the whole overall system of society. Remember that the basis of the borrower and the lender,
for both of them to do what is honorable and to do what is correct what is the business taqwa of Allah subhanaw taala. The lender also knows, the lender also knows that if he takes a loan from you
took a loan, he didn't take a gift, he didn't ask for charity took a loan, he took a loan from you, he promised to pay it back, he can pay it back. But deliberately now because you are a military person, he is misusing the name of Allah subhanaw taala. And he is falsely he's lying and saying I'm sorry, you know, I want I'm in great hardship, and I can't pay you back and he never pays you back. So how he swallowed your money effectively, and he has not paid you back? Even though he could pay you back?
But does Allah know this?
Is he going to get away with this? No.
The principle of the Islamic system is that
the lender and the borrower both are operating on the basis of the client. For the lender also to please Allah subhanaw taala is the primary purpose for the borrower also to please Allah is the primary purpose. Secondly, when you when you are lending and borrowing in this way, ultimately you are strengthening the entire economy.
Money ultimately will flow. So ultimately, you're strengthening the entire economy.
You are not you you're not getting into a situation where one part of society is benefiting at the expense of another part of society.
When certain people are getting rich at the expense of certain other people, which is what is happening in the West. Now what's happened to the west today, there are 1000s of people who lost their homes.
Had everyone lost his home, know
what happened to the banks which lend them money?
not only are the banks there, but the banks are now being given funds to come out of the bad situation a bad financial situation. What about the person who lost his home?
Is someone giving him money to say go buy another house? No.
He's on the street.
So a part of society is being impoverished in order that another part of society gets enriched.
This is not Islam. And this is not sustainable. This model doesn't work. It creates misery all around.
But then you say, Well, what is the model which works? And I tell you Islamic model is a What is that?
And we have no answer.
Because we don't put our minds together to come up with a viable solution. We look for shortcuts. And we give all kinds of excuses and we make all kinds of false claims. And inshallah we'll look at all of that between today and tomorrow. This whole issue of dharohar ben what is GIS and what is not I explained all of that to you in detail inshallah.
So do think about this, add to the Quran. And then Allah subhanaw taala said,
and fear a Day when you will will return to Allah.
And that is a foundation which I just explained to you, then every soul every person will be compensated for what they earned, and they will not be treated unjustly.
We ask Allah subhanaw taala to do and help us to do what is pleasing to Him, and to save us from that which is not pleasing to Him.
To come back to our lesson,
a quick recap of the basic principles.
Risk does not include only food, it includes everything that we were that we need in order to live in the world. So it includes time and knowledge and energy and health and strength and so on and so forth. Power influence authority, every kind of resource that we can imagine that we need in order to live. Everything comes under the description of risk. Risk is one of five questions that will be asked on the Day of Judgment. So law is a law
lm said, the son of Adam alayhis salam will not pass away from Allah subhanho wa Taala will not be able to move from the Madonna washer until he is asked about five things, how he lived his life, how he utilized his youth, what means did he earn his wealth? How did he spend his wealth and what did you do with knowledge? And as I explained to you earlier, if you look at all of them,
they all refer basically to one thing which is risk because your health and your use and your time and your knowledge and your money are all risk. So, therefore, the most important question of the day of judgment is with regard to risk.
Six important matters. inshallah, we will complete this whole session today and tomorrow. One that all risks is preordained, in terms of its quantity, and Allah subhanaw taala has taken the responsibility of providing it on himself to that we have a choice only in terms of sources that we choose to obtain it from and where we spend it. Three that shaytan will try to frighten us with poverty, while Allah subhanaw taala comforts us with His power shutdown has no power over the believer and seeks the believer who seeks the protection of Allah for that sustenance, both in its plenty as well as shortage, our tests, five action to take in case of difficulties with respect to
risk, what should you do? And six the reason why we still need to work and do the best we can while we live in the world, because the question that comes to mind is, is if Allah subhanaw taala has taken responsibility for giving us and he was going to give us anyway why should I do anything? Why don't I just sit in my house or wherever in the masjid?
Why do I need to work at all? And there are several good reasons why you should work and you definitely need to work and tomorrow inshallah We will also look at the at those reasons.
Now risk both in its shortage, as well as it's plenty our tests.
There's a beautiful Hadith of the viewsonic
where he drew a diagram like the one that I have drawn here, he drew a rectangle, and he drew a line
straight up through the rectangle, and the line goes out of the rectangle.
And then inside the rectangle he do, he drew two or three lines crossing the vertical line.
So this I have asked him Zazula, what is this diagram? He said, the rectangle is your lifespan.
That's how long you will live from the time you were born to the time you live to the time you die.
The central line, which goes right up vertically through the lifespan and comes out of the top and continues forward. He said these are the desires of men. These are the desires of people.
We know that we are more than likely not going to live for more than 100 years. But we build a house which will last for 1000 years.
You know, if somebody tells you why are you building such an expensive house?
You're already maybe 40 years old or 50 years old, it's highly unlikely that you're going to live in another 50 years.
Right so build a house with very temporary kind of materials. And afterwards we've all done it for who cares you're not there.
No, you're crazy. How can you do that? One we want RCC reinforced cement concrete
and stone floors which will last for 1000 years.
We talk about businesses which will last forever and everything lasts forever diamonds lasts forever.
Nothing lasts forever good finale have fun, not even diamonds,
and then the Savas What are these lines in the middle? He said these are trials and tribulations, illnesses and accidents and this and that trials and tribulations.
You escaped from one you get to the next one and you miss that one you go to the next one.
You pass through it.
So this is life.
Now you might say well, should I not have a desire which outlasts me or my lifespan? The answer is yes.
Two things first of all, that's how the world runs. Allah subhanaw taala gave this to human beings because if if people said Well, no, I'm going to die and therefore I will not do anything the world will drop if everyone did that. So, the world runs because people have desires so desires Alhamdulillah nothing wrong with them. provided they are halal provided these are desirable desires.
these are these are these are permitted permissible desires, not haram desires.
So if you want to build a school, for example, and you say that, you know, 10,000 years from now, the school should still run, it should still produce great people. hamdulillah very nice. Even the hospital and so they should continue after me.
You build a business, and he says is going to provide employment for millions of people after me the great global business across the world, Angela, nothing wrong with that.
But you want to create Bollywood and Hollywood
in order to provide employment for people.
It's a business.
You get the point. I mean,
Allah tala then said we're talking about deaths.
And the very second Ayat of Surah dragonboat. Allah subhanaw taala said has he been so I utara coo coo mana boom la you've known
him for a llama la la la de la Sadako Wa La Mancha Zb. Allah does it do people think that they will be left alone? Just because they say we believe
has stubbornness do people believe
yet Roku? roku that they will be stuck they will be left alone. I yakou if they say I'm gonna go home life turn on and they will not be tested they will know fitrah on them and know we know.
Allah says Allah, Allah Xena and we indeed tested those who are before them. When couple him for La la la la Vina Sadako Wali, Allah naka de so that
it will become clear. And Allah will certainly make it known make it known, those who are truthful, and will certainly make it known. Those who are liars.
So tests are a part of life.
His whole life is a test.
His whole life is a test.
And therefore, tests come into his test come with in terms of plenty, and tests come in terms of loss, both.
But both are tests.
And we'll see in July what is to be done in the case of these tests.
But do understand this, that if you just say our knives, I believe that is not sufficient. Allah subhanaw taala said you will be tested. Do you think you will not be tested? Why do you think you will not be tested? People before you were tested?
Even before you were tested? So why do you think that you will not be tested?
Seriously, if you think about it, and that's why it's a good idea to read history.
I was reading
the biography of Genghis Khan.
Actually that three four books in that connection.
And just to give you some talking about tests,
when the Mongols under Genghis Khan,
when they attacked the Muslim KINGDOM OF HOW ARE them
in which was Samarkand and Bukhara, and all of these areas,
Genghis and his army.
In the case of two cities where it was counted,
they killed 2.5 million people.
In one city, they kill 1.7 5 million in other city, they kill 1.2 5 billion, so that 3 million
3 million people were slaughtered in one city, men, women and children.
And we're not talking about machine guns. We're not talking about poison gas, we are talking about physically killing another human being.
And the biographer says that for the Mongol soldiers that was actually easier than killing
a sheep. Because while you are killing a sheep, you are concerned about doing it in a way that does not damage the flesh.
But killing of people was not a problem because the
flesh is damaged or not damaged.
The question I ask myself is Alhamdulillah will Allah mean which of you is facing or whichever, whichever may or which of you is facing a test of this nature? May Allah protect us? But they were also they were also Muslims. Those people who died were also Muslims.
They were also human beings. They also had wives and children and family and everybody else.
desk comm desk COMM
And also good to remember this.
Today, we're visiting Genghis Khan, we're talking about the 12th century, a 13th century Really?
between then and now is
about 700 years, 800 years, right?
Up to 800 years.
Does this matter of grit a birth from Allah subhanaw taala
Genghis Khan himself ruled an empire that was four times the size of the Roman Empire.
It was the largest empire that was ever ruled by anybody in the history of mankind, ruled by one man and his grandson, Kublai Khan, increased that.
And Google has an active role in Empire which included the whole of China and went all the way down
to Europe, including Hungary and those countries even all the way up to France.
the only physical remnant of this great empire
and these great conquerors who slaughtered millions of people
is one, this of one pillar
in their city called Karakoram
that Karakoram has disappeared. The only thing that is left is one pillar base, in the shape of a turtle.
A turtle, there was some mythology involved with turtles. So they had like a turtle with like a tortoise. And it was a bit of a pillar, the only remnants of this
huge, huge, huge empire,
the only remnant of a king who had absolute power over life and death in this world, which Allah had given him.
Who could and did order the slaughter of not hundreds and 1000s, but millions of people and I'm only mentioning the Muslims that is routed.
He's not at twice the number of Chinese
among the jizya and the gene.
One of the Chinese travelers says that we I came from a mountain pass, I came down and I saw a field of white. He said, I thought maybe there is a snowfall.
And he says, When I came close, I saw it is human bones.
Huge, as far as I could see, I could see only bones
the remnant of somebody with that much of power is one base of one pillar
that's why this whole series of lectures we began with which I also Ramadan, Hola, Houma. Malik Al mulk, till Moodle, Carmen de Sha lattanzio. Lattanzi will come in man, Tasha.
Tasha illumine Tasha, be a deacon in the Kala police at the
same time, and we'll stop at this point are Salahuddin Abdul Karim? Allah Allah. He was high pH main, but I haven't figured out how much I mean. We'll come back after the break. JazakAllah veterano salam aleikum wa rahmatullah wa barakato.