Mirza Yawar Baig – Seerah Solution Money Matters #02
AI: Summary ©
The speakers discuss the history and cultural significance of Islam, including the use of alcohol and shelling in the Middle East and the rise of the "holding hand" and "holding armies." They also touch on the negative impact of a banker on society, including lack of respect for bankers and difficulty in achieving growth, and emphasize the importance of avoiding harm to one's health and trusting guarantees. The speakers emphasize the need for people to trust their guarantees and avoiding false assumptions.
AI: Summary ©
Assalamu alaikum warahmatullahi wabarakatuhu.
Very
good
question, very good.
MashaAllah.
Since we are talking about interest and banking
and so on and so forth, is it
permissible to work in a commercial banking financial
institution?
Alcohol and intoxicants are halal or haram?
Haram.
So, when you say alcohol is haram in
Islam according to the Sharia, what does it
mean?
You cannot drink.
Okay.
So, I am saying to you, I am
not drinking, but I have a factory which
produces scotch whisky.
Can I have this factory?
Am I allowed to produce scotch whisky?
No.
I say, I am not drinking it.
I am only producing it.
And I am selling it only to non
-Muslims.
Is that permissible?
No.
Why not?
Because it's haram.
Because in Islam, haram, anything which is made
haram, everything connected with it automatically becomes haram.
So, if alcohol is haram, then buying alcohol,
selling alcohol, manufacturing alcohol, transporting alcohol in my
16-wheeler truck, storing that alcohol in my
warehouse, everything to do with that alcohol or
intoxicant automatically becomes haram when Allah subhanahu wa
ta'ala says, Allah has made this haram.
Period.
Biggest dalil of this from the Seerah and
the Sunnah, when this ayat was revealed, Arabic
Allah subhanahu wa ta'ala said, O you
who believe, and again, as I told you,
when anything begins with Arabic O you who
believe, Arabic Arabic Alcohol, drinking, and
intoxicants, and my Seerah, which is gambling, which
includes lotteries, which includes all kinds of, you
know, things like this, betting on this, betting
on that, betting on horses, betting on cricket,
betting on football, betting on soccer, betting on
hound racing, you name it, any form of
gambling, and then fortune-seeking, tarot cards, vastu,
feng shui, good luck, bad luck, palmistry, numerology,
and casting arrows and divine, all of the
stuff which they used to…
Allah said, these are, Arabic Allah said, these
are the dirtiest, filthiest, worst things from the
amal of shaitan.
Now how evil is that?
First of all, the amal of shaitan itself
is bad.
It is the amal of shaitan.
What is worse than amal of shaitan?
Allah said, Arabic This is the worst of
the deeds of shaitan.
And then Allah said, Arabic Stay away, avoid,
stay away.
Now there are people, Allah subhanahu wa ta
'ala have mercy on the jahilun.
People say, no, but the word haram is
not used.
Arabic Arabic Stay
far away from them.
Now, when this ayat was revealed, in Madeera,
Rasulullah sallallahu alaihi wa sallam sent a munadi,
he sent an announcer.
And this munadi went around the streets of
Madeera, calling out this ayah, reciting this ayah.
Now think about this, Madeera, the Munawara, was
an oasis, it had water, and its two
main crops were dates and grapes.
Arabic Now any society which grows fruit with
a high sugar content, will have a distillery,
will have alcohol producing, because that's a normal
route.
Take all of France, take Cape Town, take
anywhere which produces grapes and dates, they will
have, the industry goes in this way, it
is the fresh fruit which is eaten, it
is the dried fruit which is eaten, and
then the fruit is processed in the form
of alcohol.
So winemaking was an industry in Madeera.
They didn't make the wine for, you know,
on my birthday I will have a party,
no.
This was an industry, they manufactured wine, it
was a means of income for them, it
was an industry, it was business.
They also drank the wine, obviously they are
making it, they are manufacturing it, so they
drank it.
But they didn't make it only to drink,
they made it to sell it.
They used to sell wine all over Arabia.
So now imagine, they have these big vats
of wine and everything else.
Now when this ayat was announced, first thing
the Sahaba did, the narrator of the hadith,
he said, I was pouring wine, this was
Anas bin Malik Rabil Anu, the man who
served Prophet Sallallahu Alaihi Wasallam for ten years,
from the time he was ten years old
to the time he was twenty, he was
a servant of Prophet Sallallahu Alaihi Wasallam, and
then Allah Subhanahu Wa Ta'ala gave him
a long life, and after Rasulullah Sallallahu Alaihi
Wasallam passed away, he used to see Rasulullah
Sallallahu Alaihi Wasallam every day in his dream.
Every day.
Every day.
He said, I was pouring wine for my
uncles, meaning, you know in our culture we
refer to people with Rishta, we don't say,
we don't call somebody by name.
So uncle means not necessarily his uncle, meaning
other Sahaba.
He said, I was pouring drink to them,
we heard the munadi, he said, I was
pouring like this, I moved my hand and
I poured the drink on the ground.
He said, those who had the drink in
their hand, in the glass, they threw it.
Somebody added it in his mouth, he spat
it out.
He didn't swallow it and say, okay, this
is the last one, no.
He spat it out.
And then, and then, they emptied the vats
of alcohol, of liquor, of wine that they
had, they emptied it in the drains.
How many times have you heard the hadith
which says that after this, the drains of
Madinah ran with wine like water.
You heard this?
How does it happen?
It doesn't happen with one bottle of wine.
If the drains of Madinah and the roads
of Madinah were, wine was running like a
river, what does it tell you about the
volume of wine that they had?
How did they have so much of wine?
Because it was an industry, it was their
livelihood.
They threw it.
They emptied everything.
Just one word of Allah.
And then, they smashed the containers.
They broke those big vats.
Somebody came to Prophet Muhammad and said, Ya
Rasulullah, they are breaking the containers.
Prophet Muhammad called them.
He said, why are you breaking the containers?
You can wash them and use them for
something else.
It's a storage container.
They said, Ya Rasulullah, we do not even
want to be reminded of the time when
we used to disobey Allah.
Now think about this.
When they were drinking wine, or manufacturing wine,
were they disobeying Allah?
No, because the ayat had not come.
So before the ayat, where was the disobedience?
There was no disobedience.
Disobedience or obedience comes only after the hukum.
No, before the hukum comes.
Supposing I tell you guys, you know, you
are disobeying Allah, you have not prayed Salat
ul Zuhr, what will you say?
It is not time for Salat ul Zuhr.
How can I be disobeying Allah?
Whether I obey Allah or I disobey Allah,
the question will arise only when Salat ul
Zuhr time comes in.
When the azan is called, then I don't
go to pray, yes, I am disobeying Allah.
May Allah protect us.
The ayat was not revealed.
How could they?
But this was the level of taqwa of
the Sahaba.
That they said, even though we may not
have been disobeying, the fact that now Allah
has prohibited, I don't want to look at
the vat wine in my house and say,
I used to do this, no.
Please reflect on this.
Today when we tell our brothers and sisters,
get out of haram business, do not sell
haram, do not buy haram, they say, Sheikh,
but you know, show us an alternative.
We agree with you, we will get out,
but show us an alternative.
Ask yourself this question.
When this ayat was revealed, Allah subhanahu wa
ta'ala with one line destroyed the entire
economy of Badirah.
No?
I mean, if you look at it like
that, one line.
When Allah said, fajr tanibu, that was the
end of the economy of Badirah.
Did the Sahaba protest?
Did the Sahaba go and say, Ya Rasulullah,
we agree with you, definitely we will, but
give us some time.
Let us get rid of this stock.
We won't produce anything new.
This was already, believe me, if I want
to create arguments, Allah has given me intelligence.
Allah gave intelligence more than me to the
people then.
They could have said this ayat applies to
the date of the ayat.
Allah did not say this has been prohibited
to you with retrospective effect from the date
of manufacture, Allah did not say that.
Allah says it is prohibited from today.
So if it is prohibited from today, then
what was produced yesterday is not prohibited, it's
already there, no?
So I will not manufacture anything more, but
what I have already, let me sell it.
The Sahaba did not even ask this question.
They stopped it and they trashed their entire
stock.
They didn't say, show me an alternative.
Then we say our dua is not accepted.
How will the dua be accepted?
When the Sahaba obeyed Allah like this, when
they raised their hands, Allah subhanahu wa ta
'ala sent down Malaika.
Allah sent Malaika.
In the Battle of Yarbuk, hadith narrated by
Abdullah bin Umar, the Muslim army under the
command of Abu Ubaidah ibn al-Jarrah and
Khalid bin Walid.
It was originally under the command of Khalid
bin Walid, but Sayyidina Umar ibn al-Khattab
became a Khalifa at that time and he
sent a khasin, he sent a, the first
thing he did was he sent a letter
to Khalid bin Walid and said, hand over
command to Abu Ubaidah ibn al-Jarrah, Amin
ul-Ummah, that was his title, and you
are relieved of command and you are an
ordinary soldier.
So he's taking the commander-in-chief of
the army and making him an ordinary soldier
for no fault of his.
Sayyidina Umar ibn al-Khattab was against the
appointment of Khalid bin Walid for his own
reasons.
He had some different opinions.
Later on, it was his contention that people
were relying more on Khalid bin Walid than
on Allah.
This was Sayyidina Umar's opinion, this is not
Quran or hadith.
Alhamdulillah, we don't argue the opinion, but this
was his opinion.
So he told Sayyidina Abu Bakr Siddiq ar
-Jarrah, he said, relieve Khalid from command.
Sayyidina Abu Bakr Siddiq ar-Jarrah said, the
one who Allah subhanahu wa ta'ala's Nabi
sallallahu alaihi wa sallam gave the sword and
said, this is Saifullah, he called him Saifullah
and he gave the command, Abu Bakr will
not remove him.
So he refused.
But two years later when Sayyidina Umar came
to power, the first thing he did was
he sent a letter to, now by then
the army is facing the army of Byzantium,
of the Byzantines, the Eastern Roman Empire, Heraclius'
army, in today, in the top of, north
of Iraq, Iraqi place, a place called Yarmouk,
and they say that the number of soldiers
of the Byzantine army was 200,000.
The 100,000 Eastern Roman soldiers and 100
,000 Christian Arabs from that area of Syria
and Iraq.
So 200,000.
And the battle, and the Muslim army was
20,000.
So the other army was 10 times the
size.
Now there have been some disputes with regard
to the numbers, but everyone agrees that the
other army was at least three times the
size.
Three times the size.
Right?
Now, in that situation, they were standing there
and looking at the army, Abdullah ibn Umar
says, we raised our hands.
Which are the hands?
The hands that smashed the wax of alcohol
when Allah commanded.
Without question.
And then the first difficulty is obviously you
lose your entire economy, you lose all your
wealth, you think it's easy?
The first difficulty, they never complained.
And then those hands were raised.
And they called.
And they said, Ya Rabba Muhammad.
They said, Ya Rabba Muhammad, unsur ummata Muhammad.
They said, O Rabba Muhammad, sallallahu alayhi wa
sallam, help the ummah of Muhammad, sallallahu alayhi
wa sallam.
Ya Rabba Muhammad, unsur ummata Muhammad.
Ya Rabba Muhammad, unsur ummata Muhammad.
And Abdullah ibn Umar says, we saw the
sky open.
And we saw the malaika descend.
We saw the sun shining on the tips
of the lances of the cavalry riders.
The malaika on their horses.
He says, I saw Jibreel, alayhi salam, on
a grey mount on a grey war horse.
And he says, I saw his turban.
And he says, he was descending with such
speed that the tail of the turban was
flat, was horizontal with the force of the
breeze.
Same Allah.
Same Muhammad, sallallahu alayhi wa sallam.
Same ummata of Muhammad, sallallahu alayhi wa sallam.
But this ummata has changed.
This ummata has changed.
We have changed.
Allah did not change.
The Rasul of Islam did not change.
The malaika are still there.
The armies are still there.
But they don't come when we call.
Because our hands are first raised in the
disobedience of Allah.
Our hands are raised in breaking the laws
of Allah.
Our hands are raised in oppressing others.
Our hands are raised in creating corruption in
the earth.
And then we raise our hands and say,
Ya Rabbi, Ya Rabbi, who is disrupt?
Disrupt is the one that you accepted a
declaration of war from.
Disrupt is your enemy because you dealt with
interest.
You make dua to your enemy and you
ask your enemy to help you.
And you think your enemy is helping you.
You are in sin.
Which enemy helps the enemy?
So if you are working in a commercial
lending organisation, if you are working in a
bank, same rule applies.
I cannot drink alcohol, therefore I cannot manufacture
alcohol.
I cannot transport alcohol.
I cannot do anything with alcohol.
Same way I cannot borrow on interest.
I cannot lend on interest.
And Rasulullah sallallahu alaihi wa sallam was asked
the same exact question.
They said, Ya Rasulullah, who does this apply
to?
He says the one who lends the money,
the one who borrows the money.
The two people who are witness to that
transaction, they neither lent the money nor borrowed
the money.
They are only the witnesses.
And the one who writes that contract, all
of them, kulluhum sawa, he said they are
all equal.
Laanatullah alaihim ajmain.
The laanat of Allah is on all five
of them.
So the person who is writing the transaction,
who is that person?
The person working for a commercial banking organisation
because that's what he is doing.
He is neither borrowing money nor lending money,
but he is witnessing transactions in one way
or the other.
Maybe you do it on a computer, maybe
you do it by writing some code, whatever
the method, the method does not make it
halal.
Working in a commercial banking organisation is haram.
Renting your house or commercial building to a
bank or any commercial banking organisation is also
haram.
Just like you cannot lend, you cannot rent
your house or your building or your shop
to a bar.
Right?
Same way.
In the same way, as a matter of
fact, it is even worse because as I
told you, Allah has not declared war on
the barman.
But he declared war on the banker.
Today we live in a world where we
have completely turned values upside down.
Teachers, we have no respect for.
Bankers are big people.
With teachers, Nasrullah Sallallahu Alaihi Wasallam said, Allah
sent me as a teacher.
So my reference, that job of a teacher
is a very exalted job.
He said, the best of you is the
one who teaches the Quran and who learns
the Quran.
So the role of the teacher is a
very exalted role.
What is the role of a banker?
But who is paid more?
That's a joke, right?
Any of the Wall Street financial bankers, any
teacher will not, that person is paid more
in one month than that teacher will make
in ten generations.
Forget about his own lifetime.
And that is the reason why also the
opposition to this law came so strongly.
Until today, Muslims are running around like chickens
with their heads cut off in all kinds
of confusion because our hearts are connected with
the dollar.
Our hearts are connected with money, not Allah.
We think that we can succeed and fail
based on money.
We think growth happens because of lack of
money or having money and the opposite of
growth, recession happens.
We don't say growth and goodness and evil
is because of the connection with Allah, whether
it is strong or whether it is weak.
We have lost this.
So from being Ibadullah, we have become Ibadul
Fulus.
Amdul Fulus, not Abdullah.
Amdul Dinar, Abdul Dular.
We are Ibadullah, Abdullah, the greatest of honour.
Greatest of honour.
Subhanallazhi asraa bi abdihi laylam minal masjidil haram
ilal masjidil aqsa.
The first ayat of Surah Bani Israel, Sunnat
Suratul Isra.
Allah said, Amdihi, glory to him who took
his slave.
Abdihi.
Allah subhanahu wa ta'ala could have sent
this in this ayah, Subhanallazhi asraa bi rasulihi,
which was true.
He was the Rasul alayhi salam.
Allah did not say that.
Abdihi.
For Allah to call somebody Abdi is the
highest form of praise.
Highest honour.
This is what Allah did.
But we have to respect that.
I mentioned this to you that Meccan bankers
would not be surprised in our banks because
the nature of the transactions has been the
same.
There is no change in the nature of
the transactions.
All the financial instruments we use are the
same financial instruments.
And as I mentioned to you yesterday, it
wasn't even new in the time of the
Prophet, because these were financial instruments originally used
by the Romans from the times of Julius
Caesar and Augustus Caesar, which is around 100
BC.
So it was nothing new.
It was almost a thousand years old even
then.
But Allah subhanahu wa ta'ala banned them.
And think about this.
Allah did not only ban them then.
Allah subhanahu wa ta'ala banned this in
the Torah for the one Israel.
They ignored it.
Allah banned it again in the Injil.
Even in the Bible, Isa A.S.'s fight
in the Masjid al-Aqsa was against whom?
The moneylenders.
The bankers.
Isa A.S. literally physically threw them out
of the Masjid.
And he says you are doing this evil
sitting in the Masjid.
His fight was with the bankers.
So when interest is banned in Islam, it
is nothing new.
Interest was banned long before that.
With Musa A.S. 4,000 years before.
That's not new.
Nothing new.
But they put today even Muslims, put the
same twist on it like they did.
They said no, no, no, no, no.
The ban is against high interest rates.
In this country the interest rate is so
low.
It's only 2%.
In my country it is 2% per
month.
3% per month.
Here it is 2% per year.
So this is not banned.
This is halal.
So if I tell you that alcohol is
banned but you know once in a while
having a drink is okay.
Zina is banned but once in a while
doing zina is okay.
Pork is banned but I'm not eating the
whole pig.
I'm eating one piece of bacon.
That is okay.
One hamburger, one hot dog is okay.
Is it correct?
Will you accept this?
Then how is it okay?
When you say no, no, no, you see
interest little bit is okay.
The principle in Islam is that if something
has been made haram, it is haram irrespective
of quantity and everything around it and surrounding
it is also haram.
This is the basic fundamental principle of Islam.
If it is haram, it is haram.
Today we have, may Allah have mercy on
our scholars for dollars, we have people giving
fatwa to say that having 5% haram
is okay.
Yesterday somebody sent me a fatwa and said
what do you think Sheikh?
They are saying that investing in companies where
they have 5% of the business is
from haram sources or they have borrowed money
on interest and so on, as long as
it is 5% of their annual turnover.
So I told him, I said I'm going
to give you a dirty example because it
sticks in the mind.
I tell you if I give you a
glass of orange juice and I tell you,
I've not even done it, I'm just telling
you.
I said 5% of this is urine.
Will you drink it?
I haven't even, I'm just telling you, I'm
not even, I haven't even done it.
It's like a prank.
I said 5% of this is urine.
Will you drink it?
I tell you there is one drop of
urine, forget 5%, there is one drop of
urine, you can't even see it unless you
take it to a lab and getting analysed
you won't even know it.
You won't feel it, you won't taste it,
it doesn't smell.
Will you still drink it or not?
If I'm telling you there is one drop
of urine, will you say no problem, I
love orange juice so much.
Will you do that?
So some mufti tells you 5% of
haram is okay, you tell the mufti this
example.
And if the mufti tells you Yawar Beg
is jahil, no problem.
If you follow Yawar Beg you will have
a 100% halal income before Allah.
You follow that mufti you will have at
least 5% of haram.
Go face Allah.
I don't care, I'm not lending money to
anybody.
If you have a halal income it doesn't
benefit me.
If you have haram it doesn't harm me.
But I will not tell you something which
Allah has made haram that it is halal.
I don't care who likes it, I don't
care who doesn't like it.
What is the principle in Islam?
If you have a doubt, err on the
side of what?
Caution or caution.
If you have a doubt, don't touch it.
If I'm supposed to be driving my car
over a bridge, imagine there is this old
bridge, this big ravine, 200 feet down, no
chance of survival.
But there is a bridge.
What is the first thing you will do?
Drive the car to Tawq Allah.
No way, no way.
You will check that bridge.
You will go and even on the bridge
you won't jump up and down because if
it breaks what happens?
But if it's going to break with your
weight what will happen to the car?
You will want all kinds of guarantees and
surety.
Is this bridge going to hold before I
take my car on this thing?
And I tell you, no way, listen.
There is only 5% chance that this
bridge will break.
95% the bridge won't break.
99% the bridge won't break.
100% I guarantee you the bridge won't
break.
Will you drive the car over the bridge,
tell me?
Why won't you drive the car?
Because you have got sense.
You will tell me Sheikh, you are guaranteeing
me the bridge won't break.
You are standing on the side, right?
You come with me in the car, then
we'll see.
Come with me in the car, then we'll
see how good your guarantee is.
You want to stand on the side and
say the bridge won't break and you want
me to go?
If the bridge breaks I die, not you.
Please let us not play games with Allah.
This life is short.
This life Allah subhanahu wa ta'ala has
taken responsibility of our sustenance.
Allah subhanahu wa ta'ala said, Allahu nahnu
narzuquhum.
He said, We feed them.
wa maa khalaqtul jinna wal-insa illa liya
'budu maa ureedu minhum min risqun wa maa
ureedu ayyu ta'imun innallaha huwa al-razzakudu
al-quwwati al-mateen.
In Surah Zariyat.
Allah says Allah is responsible.
Allah feeds them.
Allah does not ask them to feed Him
or to feed His creatures.
Then why are you worried?