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Rizq – Obtained or Ordained #08

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Mirza Yawar Baig

Channel: Mirza Yawar Baig

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Episode Notes

Episode Transcript

© 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.


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Bismillah Al Rahman are he

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further for Salah Paulo to be you know the Paul law has

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been

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calling in law attorney Khun Bina Hurrian farmans Cherie Berman who valets many warmer lamea attom who find home in the

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author of our over the fascia rainbow mean

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Polly men whom

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Furnham was

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the

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morrow ha Lola Lana Leah home gone hola hola Anna Leo MIBG

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Juno

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Juno the

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molar en la he come in via Cali la, la la but go calling ILA to

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be the new

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Lamar saw beating

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while I'm

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low you know the Paul or for a while

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for a while he

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beat up on the

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ones

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theory and feeding

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me the

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poor

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WakaWaka auto Jalota

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Hikmah why

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why Alola for online in the home the Bob love us the law

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in law has fought Lin

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me Tilka enough to know like being poor in Lemina more or sadly

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all the laminate sheet

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shaytani R rajim Bismillah Al Rahman Al Rahim Allah letting

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me lately one is your role while

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you're on VIP on

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bill at 100 Am and Rob beam wala cove on early

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on

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Levine call on

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the battle horse shape and Amina mess that early Caribbean following way or missile or Reba

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Bay Autorama Reba from Georgia o Baris don't mill raw beef and

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follow

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roe law woman

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girls hop on

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the roof all you do

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is bought one law hola you're more Kollek come in the in the Latina man or on a little Saudi it was almost solid. Tools like

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La Formosana

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God Allah Omar Durrell Mary beam what a call gonna lay him wala OMYA

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yeah

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meaning

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lambda version over then all be hard on him in a lot solely

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overtones Komodo so I'm wildly

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lame on our toes on

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ganadores

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Zara

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Zara

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Why

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come

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on What

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total

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V

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so

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our call load of Sim cars but call loan F SIM cards to owe us on set up alarm

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alarm that elektrobit Alaminos Salatu was Salam ala Shadowfell Ambia evil Marcelino Allah Allah He was happy he made

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robot I decided for you. So, from zero to dakara

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because we will be dealing with some of them Inshallah, today when we look at others on the issue of risk, loss Rattata says in this is those who spent their wealth

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by night and by day secretly and publicly in the path of Allah subhanaw taala they will have the reward with the rub, and no fear will there be concerning them, nor will they grieve. And then Allah subhanaw taala says,

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Those who consume interest

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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 admonition from his Rob and desists and stops may have what is past and his affair is with Allah subhanaw taala with regard to the future

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this is where Allah subhanaw taala says Hala or riba Allah Allahu wa rahma Riba is an IR where the whole issue of haram and halal is so beautifully explained in the Quran. Where if you look at this,

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let's write that. These are 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 corrode 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'm 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

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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.

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So what is the difference? The How come you say one is halal and haram? Rental income is Allah is 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 his money. That's the transaction basically, but one

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Halawa is haram why?

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And Allah subhanaw taala has answered that in the way that suits his glory and majesty.

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A halala hula baya Raha Rama Reba Hollis

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just use this one criteria of what is halal and what is haram. What is Allah what is what is halal, whatever Allah subhanaw taala has made Hala is Hara

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and what is haram? Whatever Allah subhanaw taala has prohibited is haram.

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Even though the transaction may look like the same thing

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I'll give you two other examples to illustrate.

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The rostrum said give gifts to one another

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because it brings hearts close together.

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Yes. Also, what you get as a gift is the best of Halal

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because there is no questioning on the gift

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to supposing I earn $1,000

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If I earned $1,000 In a haram boy, there is no question in because I go straight into the hellfire, 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 one 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.

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There's no questioning on it. I've got it as a gift. And this is from Allah subhanaw taala Bashara Alhamdulillah. For me, it is clear. For me there is no questioning on this. So the gift is the best Allah right now.

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What is a gift gift is something you give to someone? Yes. Now supposing I give a gift

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to a

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offish official working in the municipal

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commissioner's office.

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And I have a paper which needs to be passed in the municipal Commissioner's Office. And I'm giving this gift to this officer in the municipal office.

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In terms of the transaction, is there any change?

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Same thing?

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Yes.

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But is this transaction jazz or not? Yes.

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Because you're giving you're giving a bribe?

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is a gift to me, I give it to the house, I give it to the guy No, no.

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What I had to give it to because he's your friend, you are nothing without him. You're not getting you're not doing it with an ulterior motive. If 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.

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The appearance of the transaction has nothing to do with whether a transaction is halal or haram.

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I'll give you another example.

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In Islam, what is the method of Nica?

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The mother of Nicaea is that you? When you want to marry a girl, you go to the volley of the girl you go to the guardian of the girl.

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Yes, and you ask for her hand in marriage. And if he agrees, then you pay a sum of money,

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which is called Maha.

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Yes.

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And in the presence of two witnesses, this is Jaya is now this girl is married to you and you are permitted to have a physical relationship with her.

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Yes.

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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?

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If he wants to go to a call girl he wants to go to a prostitute. What did you do?

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Because money

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was a jazz. Can you say well, you know after all,

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I'll call it buyer.

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There will become a

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I'm saying this for a very specific reason because people give exactly the same arguments with regard to interest.

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They give the same arguments with regard to interest.

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You understand very clearly, just because you give something a name it does not change its nature. If something is haram, It's haram. You call it what you want.

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It doesn't make it halal.

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The shape of something the appearance of something has nothing to do with whether it is halal or haram.

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What is halal is what Allah has made halal and what is haram is what Allah has made haram and that's why it is beautiful out of the Quran, where Allah subhanaw taala said hello Hola, hola, baya Raha Rama riba

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Allah has made trade halal, and Allah has made riba haram but no matter how many resemblances you want to pick between trade and Riba, trade continues to remain halal, and riba continues to remain haram. And the fact that this resembles that in terms of its appearance is neither here nor there.

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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 halal, and we fool ourselves and allow 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 his Rob and dismiss 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

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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 Kula Horiba where you will be sadhaka Allah, Allah destroys interests and gives increase for charity. And Allah subhanaw taala does not like every sinning disbeliever

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there are

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indeed those who believe and do righteous deeds and establish Salah and give Zakat will have the reward with the rub and there will be no fear concerning them, nor will they grieve.

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And then last Radha says, Oh, you oh you believe or Oh, you who have believed it, Allah, fear Allah and give up what remains due to you of interest in condo Momineen.

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Now, this came at a time when interest based banking was prevalent. And one of the biggest bankers of the time was the uncle of Nabil Salah Salam, ala Busby, Milan.

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And when this I came Rasulullah sallallahu sallam said that I, and he forbade interest. And he said that I give up all the interest that is due to my uncle from whatever loans he gave to whoever gift.

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And that's because rather than give up what you what people owe you, in terms of the interest, not the principal, some if you will, if you lend somebody $1,000 and the $1,000 was supposed to yield you $100 interest and you give up the interest instead not I don't want interest anymore, and the principal amount can be returned to you. And we'll see that in the next idea. But what I want to draw your attention to remind me myself and you is that Allah subhanaw taala has used a very, very severe term in this idea. He said enquanto meaning he said if you are believers.

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Now this is a conditional statement. What does it mean? Supposing I said 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?

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You get the point I'm making, what does it mean about my belief?

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It means that I am working out of Islam, if I'm saying I will not give it up. Then I'm saying to Allah subhanho wa Taala the Allah says, if you are believer in God,

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and say what? I'm not a woman, sorry. I like my interest.

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It's a very, very severe admonition Allah subhanaw taala is saying, Oh, you are believed fear Allah, Allah and give up yeah, I'm an otaku. Allah was

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give it up my Baqia whatever is Bucky whatever is remaining Minar riba of interest in quantum meaning, if you should be believers if you are believers.

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And then

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for those to whom even this is not clear, Allah subhanaw taala then says

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fail I'm tough follow as far as I know, the Harbin main Allah here are solely

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now

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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 dealing in interest. Allah

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rather says that be in front 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 as far as I know, Harvey Minella will also

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be informed of a war

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against you from Allah and His Messenger sallallahu alayhi wa sallam.

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Think about this, on the Day of Judgment, may Allah Subhana Allah protect us.

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We want the Rama of Allah. We want the MK Virata ALLAH SubhanA wa Tada. We want Nabi sallallahu alayhi wa sahbihi wa sallam to intercede for us. We want the Shabbat of Muhammad sallallahu alayhi wa sallam

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do we want to go to war with them?

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Do we want to seriously go to war with Allah and His messenger? Salah salah. I mean, if you want to go to war, we can't find anyone other than Allah in history.

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Think about that you want to go to war go to war with somebody you don't why with Allah and why we think he's a loser.

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Because that's what Eliza salaam said 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 accept it go and fight.

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There is nothing in the Quran and Sunnah which has been prohibited in such severe terms. They asked Allah subhanaw taala to save us from this fooling of shaitan which

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Vachetta and tries to show us that what Allah has made Haram is somehow permissible, it's not permissible, it is not permissible whatsoever. And so Alice radicalising,

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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 is Allah Allah Azza wa sallam, but if you repent, you will have your principal, whatever you will end out without interest, thus, you do no wrong, nor are you wronged.

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And if someone is in 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

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see the emphasis on

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on doing good. And the emphasis on being doing what is right with regard to the poor?

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What is Allah's rather than saying, I just want to say that if someone is in hardship, they will you loan some money to someone?

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So you had given this money on interest? So now already, you have forgiven the interest? You say, Okay, I don't want interest anymore. hamdulillah What about the principal, somebody to give? So ALLAH SubhanA, Allah says, is the principal Samuel, take it back, that's fine, you can take it back. Then he's saying that However, even to give back that principle, some

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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.

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Don't insist, don't force him.

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Don't get don't give his name to a collections fellow to go to his house with a

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hockey stick.

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Right? He says Leave it. And then in addition to that, Allah Samantha says then however, if you leave it completely,

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meaning that you say alright, you don't have to get back at all. So one is, you're postponing it. You are supposed to pay it back on the first of January doesn't matter I gave you until the 31st of December is another 12 months

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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 why if you and give it to give it you can give it to us, no problem. You don't want it back.

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Now many people when they when they see this idea, they say well, how can you have an Islamic banking system based on this? Because if we if you if I if I lend out money without interest on the ice, I don't even want it back then where is the bank?

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My answer is very simple answer is

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we are talking about establishing a globally robust banking system on Islamic principles that cannot be done in a two minute conversation.

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You ask a question, I give you an answer. Therefore, now we have a global backing No.

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Muslims have to sit down and put their minds together and say, This is the hokum of Allah subhanho wa taala.

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Keeping this intact

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How can we create a banking system where we can still run a bank

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according to the outcome of Allah subhanho wa Taala

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If

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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

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provided there is interest provided there is a desire to do something to please Allah. Because what is the last one there is a in this in this particular thing, Allah subhanaw taala in quantum dalawa.

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He said, If you could only know, if you only knew if you could only understand what does it mean?

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Islam looks at the whole overall system of society. Remember that the basis of the borrower and the lender

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for both of them to do what is honorable and to do what is correct what is the basis Taqwa of Allah subhanaw taala. The lender also knows mutare lender also knows that if he takes a loan from you,

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he took a loan he didn't take a gift he didn't ask for charity took a lot. He took a loan from you. He promised to pay it back. He can pay it back. But deliberately now because you are a mythical person, he is misusing the name of Allah subhanaw taala. And his 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 he swallowed your money effectively, and he has not paid you back even though he could pay you back.

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But does Allah know this?

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Is you going to get away with this? No.

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The principle of the Islamic system is taqwa. The lender and the borrower both are operating on the basis of Taqwa 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.

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Money ultimately will flow. So ultimately, you are strengthening the entire economy.

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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,

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when certain people are getting rich at the expense of certain other people, which is what has happened in the West. Now what's happened to the west today, there are 1000s of people who lost their homes.

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Everyone lost his home, I know

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what happened to the banks, which lent them money.

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Banks are still there. 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?

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Is someone giving him money to say go buy another house? No.

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He's on the street.

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So a part of society is being impoverished in order that another part of society gets enriched.

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This is not Islam. And this is not sustainable. This bottle doesn't work. It creates misery all around.

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But then you say well, what is the model which works and I tell you Islamic bodies, what is that?

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And we have no answer.

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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 Dar Al Harb and what is gyres and what is not I explained all of that you in detail inshallah.

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So, do think about this, add to the Quran, and then Allah subhanaw taala said,

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and fear a Day when you will be returned to Allah.

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That is the 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.

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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.

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Well Salalah on Nabil Karim, Allah Allah He was happy as mine but I have to get on right I mean, we'll come back after the break to allow Pharaoh Salam aleikum wa rahmatullah wa