Channel: Mirza Yawar Baig
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In Alhamdulillah, WA salatu salam ala Villa Ambia ala alihi wa sahbihi wa Manuela
Vamana Zuma Gouki Ravi vada Hannah la Hema Baba Felicia in had either very whole Bhima who to Ravana Goomba water Waterton veza home Mobley zone for oto Camila, the Naga llamo Alhamdulillah Europe Bhilwara learning
test of plenty so when they forgot the warning with which they had been reminded, did Allah Samantha immediately catch them? No. Allah said when they forgot the warning with which they are being reminded, we opened to them, the gates of every good thing,
until in the midst of their enjoyment in that wish they were given, all of a sudden, we took them to punishment.
And lo, they were plunged into destruction with deep regret and sorrow. So the roots of the people who did wrong were cut off, roots were cut off from the base, and all praise and thanks to Allah, Rob of the Al Amin.
I just told you about the Kingdom of Carson. And what Genghis Khan did
the story and say that the Hino cars and one of the things that he was famous for was interest buildings.
And for the lifestyle of its wealthy people, including the soul.
And I guess can actually call this is not
next time service was not a Muslim. So the thing with Islam
generally is can actually went into the great budget of Salman Khan. And he called all the people, the Rosa, all the, the, the, the the novels of the kingdom. And he said, I have been sent to you as a punishment from Allah.
Because you disobeyed Him.
Of course, as I am, as far as as far as I can say, that was a political statement he was making what does he know about Allah anyway?
Because he knew what Allah then why is he not worshiping Allah? That was that was his. But the point I'm saying is that Allah subhanaw taala obviously put the words in his tongue in his mouth. So he said that, he said, I am sent to you as a punishment for Allah for your sins.
So we ask Allah subhanaw taala to save us from his passion, because that's the reason why it's very important when we look at ourselves.
If you find I've said this before, and I'm repeating myself, but just to reinforce the message, if you find that somebody is disobeying Allah subhanaw taala.
Yet they are becoming more wealthy, they are getting more power, more authority, more influence, then this is actually a sign that the ASVAB of Allah subhanaw taala has started on them.
That is not by fatwa. This incidentally, is what if I'm a Shafi ribollita Allah set. Somebody gave him a Sharpie. And they said, Yeah, ma'am, you say that if someone does good, good will happen to him. And if someone does bad, bad will happen to him, but we find that there are people who are evil.
What disobeying Allah subhanho wa Taala blatantly,
yet we find that they get more money and more wealth and more influence and so on and so on. So how do you explain this, and how to lay recited this I also wrote to Anna when he said, Have you not read the Quran? And he recited his eyes and he said, See what Allah said, What will Allah do to someone who has transgressed and exceeded all boundaries of disobedience.
He said, Allah subhanaw taala opens on them the doors of everything good.
Until they are so lost in enjoyment of that.
That Allah subhanaw taala then says, Well, I will modes so they do not even have the opportunity to make Toba.
And then when they are caught,
at the time when the door of Toba has been closed,
then they have deep regret. And the last one that says we cut them off from the root
from the root
the kingdom of God them cease to exist.
cease to exist.
Allah removed from those and please don't fool yourself and think that because you are Muslims, it won't happen to you. This happens
All Muslims first
not only will it happen it happens to them first you know why? Because we are supposed to know
we are supposed to know
somebody else disobey is it is always because he has no knowledge or whatever the love because he or she is supposed to get known as you cannot escape by that by that escape route, but we are supposed to know.
And if we still do the same things,
then the punishment comes on us first.
We ask Allah subhanaw taala to save us from His punishment.
And that is it. Marcel NaVi Korea team in Nabi union. Kasana. Will you work Dora homea Barone, so
I cannot say the last
record but Messiah and Dora was
home for a
while whom Allah is wrote on. So to Allah, Allah said, and we did not send any profit to any down, but they denied him. But we see is it's people with suffering from extreme poverty, and loss of health and calamities, so that they might humiliate themselves and repent to Allah. They might humble themselves and repent to Allah subhanaw taala then we change the evil for good until they increase the number and wealth and said and they said our fathers were tasked with evil and with good, so we seize them all of a sudden when they were unaware.
Two people go through difficulties, they forget the lessons and then they get something good.
And instead of being thankful dollars Varos Allah for the good
The punishment of Allah Swatara comes
now we look at the issue of riba because it's such an important issue and I began with the ayat of surah baqarah which talk about and I will explain to you in detail inshallah. Ask Allah subhanaw taala to make it easy for me to explain and easy for you to understand.
And in the process of desperation, we will also see this whole issue of Dharohar what is that alarm and so on? And is it are we living in one and so on. Now, what is it about? Reba in its simplest and most common form is interest that banks charge on loans. Right.
So riba isn't just let us be very, very clear about this, the other forms of river but this is the most common thing that we come across with the word riba was wrongly translated as usury.
That usually means high interest rate. So as a user aureus rates means what means, you know, there being some 10% per day or something God knows Allah knows best usurious rates, with the moneylenders and so on and
all the margins and whatever it is, these people charge users interest rates,
but Riba is not using
because the quantum of Riba is of no consequence, because Riba is haram fie enough, see, Riba is haram in itself, like pork, like alcohol, so the quantity doesn't matter.
Whether you eat one gram of pork or you read the whole pig, it doesn't matter. It's hot. You can't say well, you know, I only had one once, you know, piece of spare ribs, I had just one piece of bacon or something. No.
111 rasher of bacon is hot,
Now, similarly with alcohol, you can't say well, no, I just had one shot.
I didn't eat the whole I didn't drink the whole bottle or I didn't, you know, bring a bottle of beer or whatever.
I'm saying this because I want you to understand this basic principle in the Sharia.
Which because people don't understand or they like to fool themselves causes them unnecessary confusion. And the basic principle in Sharia is that what is haram is haram irrespective of the quantity, whether it is a thing or whether it is an action. How much of lying is permitted in Islam, tell me
you know, how much of fornication is permitted in Islam? How much of adultery is permitted? I only did once
you're not supposed to do it, period.
If you didn't make Toba Talas, Vannatta Rigel, Allah will forgive you but don't say that no
All you know once in a while once a year it's alright.
What is haram is haram
irrespective of quantity and same principle applies as far as ribeye is concerned with the additional issue that Riba the level of severity of Horvath is far higher.
Now that does not mean the other things are therefore to be taken lightly. No.
But just to help us understand, so riba equals interest equals Hara.
So a equals b, b equals C therefore A equals C basic.
Remembering my primary school algebra, A equals B B equals C therefore A equals c y equals interest interest equals Zarrab. Therefore rebuy equals Aram
Salah Salem is reported to have said merited by Abdullah bin Massaro Allahu Anhu who is one of the Alama of this Oma?
There were certain of the Sahaba not every Xavi was an ally. Not every Xavi was different people are different, different skills.
Khalid bin Walid of the Alana was a great gender robbery law. So the Alana was a great general very strategic military commander, but they were not.
But Abdullah bin Massoud, I will say that Audrina Delano
right now, toggle on all of these was a great honor of this woman
and especially with Abdullah with masala Delano Rasul Allah Allah and specifically said that if Abdullah bin Massoud narrates anything from me you take it from him
so he's not only talking about his understanding he's also talking about the integrity of Abdullah when muscles I'm saying if Abdullah muscle said it, it is correct. That this Abdullah with muscles Rayleigh no merits from Rasulullah sallallahu Sallam saying that Rasul Allah is Allah, Allah Salam cursed was the one who accepts Riba and the one who pays it.
And in the the Russian intermediary, he adds, and the one who records it, and the two people who stand witness to it,
but think about that, the one who takes
interest charges interest, the one who pays interest, the one who writes that document.
And a person who operates there are people who are witness to that transaction are all cursed by Nabi SallAllahu, alayhi wa sallam.
They might think and say, Well, you know, the person borrowing, he's actually doing the deal and the person charging
his own was charging this interest and
the man who's writing this contract, well, he's probably an employee in the bank or something like this. He's only recording the contract, he does not take the money, he doesn't get the money, he gets nothing. And no one was bearing witness. He is even less involved. Why is everyone cursed?
And did that does it say that one is cost more than the other? No, they all cost
because this whole issue of interest is so harmful, that Allah subhanaw taala and his name is Allah Allah Allah Azza wa sallam
placed the greatest importance on it. And that's the reason why they privated it so strongly and with such severe jobs
so ask ourselves Do you want the Casasola
just simple as that.
You will get involved in unnecessary arguments, just like the other day one. Just now one of my brothers. young brothers asked me he said is it if I don't pray sunnah waka?
Here the Sunnah before Rohan and the Sunnah Avi Shah and Maghreb and so on. If I do not pray, the Sunnah Maka will be punished.
So, I told him, I
will give you a SWAT example.
Hazard my example. My question is, supposing I told you that every time you enter this budget to pray,
I will give you 10,000 rupees.
Right? Every time you come into this budget and pray, I will give you 10,000 rupees.
And if you believe me and if I'm actually going to give you this money and unit you want the money, will you ask a question? If I don't come Will you punish me?
Without this question,
the dumb question Wow.
Why are you talking about punish but you're going to get 10,000 rupees if you come and pray.
So whether the courts are not doing it
and what he does, or doesn't know Maka he's the one who prays for
and who prays for rocket after all? So
he's Allah subhanaw taala will make the Johanna Hara on him.
So should you pray sunnah about God or not? Should you be concerned about punishment or not? Right, everybody, when we talk about enormous, enormous reward, we're talking about freedom from data. I mean, what more do you want? What punishment?
Why do we bother or punish? You don't? Don't worry about punishment, look at the benefit of the Amel.
Look at the benefit of the deed.
Three common questions that come and we'll deal with each of them. The first common question that comes with regard to interest is we don't take interest but we pay interest on loans and mortgages. Why is that haram we're not charging interest. But I'm living in a country where I can I'm sorry, I can't get an interest free loan.
So I want to buy a house, I'm paying rent, I don't want to pay rent, I see rent and OSHA has, has, has drawn the framework for me, and tells me paying rent is money going away, instead of that take in the interest base loan and by the House and the same amount of money that you were paying as rent will now go to pay your interest for the bank loan and some part of the principal, your EMI. Yes. So it was a it was staying in our house and being 30,000 rupees rent instead of that you take a loan of one and a half corrodes or whatever it is, and you that same 30,000 that goes to repay this loan.
That's very nice. Framework data and
what can you do after all, there is no interest free banking in India, there is no interest free loan available in America, or wherever whichever country you're living in.
So the fall into the trap, and who's ever you know, what can I do after I must have a house after I want to own a house?
Yes. Second question, which is asked is the interest we pay is not excessive.
In India, of course, it is actually excessive as well with that, but that's immaterial. But the point I'm saying is somebody might say, well, you know, I'm getting this loan at 12% interest, I'm not getting it at 36% in a wedding in 12% in diameter and 8% 6%.
So why is it and they will and they say the US unfortunately May Allah forgive the ones who made these translations, then they cause all the confusion. They say Allah subhanho wa Taala prohibited usury, which is excessive interest rates.
Because usury is excessive interest. So therefore, excessive interest rates are prohibited if somebody's giving me a loan at 6% 4% 2% Whatever that that is not private.
And the third question which is asked is we live in Dar olhar. This is the terminology which is used by people Rhonda, they don't understand or tailor what you're saying but they use the term takana SOP Dharohar man up
so, therefore, it is dies
which is that a lot of you are staying in Oh India,
America, UK, France, Germany, wherever
they are Australia
staying in this country, the
government is covered.
So therefore, it is Giles for me to build an interest take interest. Let's look quickly at whether these things are correct or not. First of all,
as I clarified earlier,
interest is riba revised Hara therefore interest is
paying interest and digging interest are both Hara. In addition, doesn't Rosella Salah also cause the one who records the transaction and the one who bears witness to show the seriousness of the prohibition?
Today of course, if people still want examples of the actual harm of the interest based banking system that I must say that
were either extremely ignorant or Allah knows best because there's not one example there are dozens of examples and countries have gone under because of this interest based system. So today really speaking, nobody should ever even ask that example. But because Muslims have never taken this battle seriously, we still do not have a global robust Islamic alternative.
But that still does not make interest Halawa. Let us be very clear about that. Just because there is no global system available does not make the the halal and haram I mean, obviously.
Now interest is not excessive. This is the as I said no best
question to ask yourself is how much pork is halal?
And just substitute the word pork for any of the other provisions and how much is Allah?
If I'm gambling up to how much can I gamble
what is haram is not a question of. So therefore, to understand is that the quantum of interest has no significance high or no no matter how high no matter how low it is haram.
So definitions let us see that all Islam Dharma Rahman and
Darul Islam is a land of Muslims, where the rulers are Muslim, the Sharia is enforced. The the Khalifa is Amirul Momineen.
Naturally, obviously, needless to say, all the rules of Islam would be enforced and therefore you would not be able to borrow on interest. In any case, there would be non interest systems available, do you all have the law, so make dua that we should have countries like this, unfortunately, today, there is not a single one.
the system does not exist doesn't mean the system is bad, the system didn't exist, and didn't exist for a few days or few weeks. It existed for several centuries. Before various historical reasons, the system was destroyed. But definitely it is a system that can be recreated. And we ask Allah subhanaw taala to make it easy for us. But if you want this role as Renata, we have to prove to Allah that we are worthy of it.
So that's important. So that's Dar Al Islam matters very clear that all Amman is a place which is not ruled by Muslims is ruled by non Muslims, but where you as a Muslim are not a captive, and you live freely, you are not a prisoner, you will live freely you have gone there voluntarily, or you are born in that country. And you are not constrained in any way from practicing your religion. And you can do that openly and without any danger. So you can look like a Muslim, you can wear your caps and your turbans and your hijabs and you can have your beards, and you can have massages, and you call out the other, in some places, by loudspeakers, the whole world, everybody, you wake up
everyone at some unearthly hour in the morning, and people don't protest, right? non Muslims, and you then do all sorts of other things. That means one lamella for us. In Ramadan, you make them all pray therapy, also, when you make them and all the various nights, you make them stay up all night, because you are at it on the loudspeaker. But nobody, nobody complaints, the time of eight, the entire roads and entire neighborhoods are shut down, and people are preying on the streets. And obviously, you're blocked off all the non Muslims who are living there, they cannot drive their car out from the house, but they don't object right.
Now, in such a country, to claim that you cannot practice your Islamic law is a lie against yourself and against Allah
hamdulillah in India, we live in a country like this in India, on top of that, you got the Muslim personal law, which is the law of the land.
Your cases are decided on the base of the base of the personal law you can do you know in terms of inheritance, and so on and so forth. And even if you challenge somebody, somebody, right, so will Muslim right, so will
please correct me if I'm wrong, the Wirkkala
if a Muslim writes a will, which is his own will and pleasure,
his heirs can actually challenge that will according to the Muslim personal law, and that will be upheld.
Now in such a country to claim that I'm sorry, I'm forced to deal with interest is a lie.
And more or less what I have described is what applies to Muslims. In most of the places that we live in. In America, there is no
constant constraint or prohibition on you from following the from following your religion. And to understand somebody might say, well, you know, today, society has become hostile. We're not talking about what society has become. We're not talking about what is the law of the land? Does the law of the land prevent you from praying Salah in the masjid in America? No. There's a law of the land prevent you from having a beard? No. And you might say, well, I don't feel comfortable with a beard because I I feel somebody will target me That's your problem. There's not a lot of the government of the United States didn't say shave your beard? No. As far as you're concerned, it's Donald Amman.
Similarly, the UK and Europe and Australia and Japan and Singapore and
Muslims are living there, and they are living with dignity and they are permitted to practice their religion. Right. The law does not prevent them.
Therefore, when we say practice religion, we mean practice every aspect of the religion. Your inheritance must be must be done according to the laws of Islam, not according to your own way.
A pleasure to write a will according to your own will is shake
it shake because Allah's law is there and you are imposing your will on the will of Allah.
You write a will and say all my children, my daughters and my sons will inherit equally This is Shrek.
We are coming to church.
And believe me if you bring up your children properly,
the daughters will actually end up getting more to the sons
because sons will give up the right for the for the sisters, especially the sister needs it
to bring them up properly. That's what is supposed to happen in Islam.
So Darul Islam, Islamic Sharia applies anyway. So no question of permitting the Riba which is haram in Darul Aman. Effectively, a Muslim is able to practice his religion without any fear or favor. And therefore, to claim that you can deal in Riba is wrong. Riba continues to be haram. Right? We come to the third thing that will harm Darul Harb is the place of war.
That was a situation where either the Muslims are captive, they are slaves, they have been enslaved, or their lands have been occupied by a non Muslim foreign power.
They are unable to practice their religion if they try to pray if they have a beard, they will be thrown into prison or they will be killed and if they try too fast, the police will go around and give you food and if you don't eat on in Ramadan, then you will be thrown into prison because you're fasting.
Right? And your massages are demolished and your bodies are closed. Right? If you are living in a country like that you got two options.
or try to change that system resist
where is the question of taking interest based loans in such a situation and building houses and doing business? You are a captive you are a slave you want to break an interest please don't and build a house.
So who are you fooling?
You are actually a captive and a slave
under an enemy, then what do you do you fight for your freedom.
You're not going to spend your time taking interest based loans and buying houses. You fight for your freedom.
Or if you cannot fight for your freedom you run like hell you get out of there you go somewhere else where you can practice your religion.
So what is the question of giving a fatwa to say that interest is Gize and that people giving such flowers are playing with their own image.
And people believing that fatawa are also playing with their own image. I've said this before and I'm saying it again please understand very clearly, a fatwa is a legal opinion. It is not a ruling under the law.
A fatwa does not change the law.
A fatwa is the opinion of one legal expert about a particular law. It does not change the law.
So if someone gives you a fatwa, which is wrong in the law, you can bring that fatwa up and hold it as evidence that you are breaking of the law was correct. Because somebody gave you that fatwa No.
The fatwa is wrong the law holds.
I'm just saying this because in Hyderabad, we have people who claim to get a fatwa from this place or that place to say that it is gyres to deal in interest in India because we are living in Dar Al Harb. First of all,
in India, we are not living in that we are living in that old.
Second, even if we were living in Dharohar, still, dealing in interest would still be haram because there is no question of building an interest and building houses and buying cars and running businesses. If you are actually living in Dar Al Harb, then your job is to leave the place. Make Hijra or fight for your freedom.
So on both counts, this fatwa is Magi as the fatwa is wrong. And anyone who gives a fatwa and anyone who accepts this fatwa are both playing with their own Iman and with the
anger of Allah subhanaw taala
to close this and then we will stop because it's time for insha Allah Rana does it in the law, Xena in Alladhina our foe at our farm homegirl Bella eager to zali me and force him to FEMA con tune Paulo Guna mustafina villa guardo
LM dug out of the law he was far too hard you visa for hola ecommerce. Welcome Johanna was Masirah in Surah Nisa, Allah said when the angels come to take the souls of those who die in sin against their souls, people who have been dealing with interest and then talking about all this Fatah was when the angels can break their soul, they will say in what light were you what was your situation? These people will save you are weak and oppressed we were living in that
the lying they are not living by themselves weak and oppressed on the earth. The angels will say was not the earth of Allah big enough for you to make to move yourselves away from you.
I love that one. Agulla he was Yeah.
Was they are taller not big enough for you to go somewhere else. I love that such people will find their abode in Jana. And what an evil refuge.
I hope this issue of Darwin, Darwin and so on and so forth is
so that we don't fall into these traps. Finally, the categorical declaration of Allah subhanaw taala, the ayat of surah baqarah which I recited at the beginning of our session today, and Latina karuna, Reba
Illa Kappa Kappa Tau shaitan
Lika we have known God
Allah Allah will be our haram arriba someone who told me Robbie vanta fellow who miles out of bamboo Illa
Allah you guys have not even via Yamaha Cola, Reba well you will be sadaqa wala hula your hip buco like a foreigner theme. Allah said, Those who eat ribeye will not stand on the Day of Judgment except like the standing of a person beaten by shaitan leading him into insanity. That is because they say that trading is only like Riba whereas Allah has permitted trading and forbidden riba so whosoever accepts an admonition and warning from his rap and stops eating Riba shall not be punished for the past. His case is for Allah to judge, but whosoever returns to Riba, such other dwellers of the Fire, where they will abide forever, Allah will destroy rebar and will give increase prasada and
Allah does not like disbelievers and sinners.
I'm saying the insanity of this is visible it is life itself. Who on earth would want to accept
a declaration of war from Allah with us the next I will end with that well, as well as in Amruta hola was our Omar welcome in arriba enquanto Momineen for a lambda follow, who will be heard of him in a lie solely in turbo tone? Fela COVID also
Tansley Munna wala toes lemon, Allah said, oh you will believe fear Allah and give up what remains of interest due to you from riba From now onwards if you are really believers. And if you do not do this the take notice of war from Allah and His messenger. But if you repent, you shall have your capital sums do not deal unjustly by asking more than that and you shall not be dealt with unjustly by receiving less than your capital sums question to ask myself and obviously you know the answer. You want to accept one with Allah and His Messenger Salah Salem, obviously we don't we ask Allah subhanaw taala to protect us from all forms of disobedience. And we ask Allah subhanaw taala to make
it easy for us to obey Him and we ask Allah subhanaw taala to be pleased with us or some Allah Allah Nabil Karim Ali was I was when the Rama together more I mean