Jumuah Khutbah May 17, 2019

Mr. Henry whenever the villa Himanshu Rory and fusina women say Dr. Marina manga de la hora para mas de la mejor de de la jolla. murshida a shadow Allah, Allah Allah Allahu Allahu la sharika Why should you know Mohammed abu allah sudo sallallahu alayhi wa early he was talking to me, he was so limited Sleeman kathira

Yeah, you hilarion I'm an otaku, la haka. tokachi, Mouton. Illa and to Muslim on yohanna sutopo Bakula de la camino de la hora para minha jaha. What does that mean Houma de Jardin Cassio manisa

la la de Tessa Luna B he will or him in Allah hurricane alley como diva. You Hillary in a minute Apollo Apollo Poland city de la Kumara Maria como de la ku become one woman nuclear ala rasulillah hufa faza frozen alima. We begin by thinking and praising Allah subhana wa tada the Most High, the most majestic, the Most Merciful. We think and praise Allah for all of his bounties that he has blessed us with. We ask Allah for forgiveness for all of our mistakes and shortcomings and lapses in judgment. We asked a lot for guidance, and we asked a lot to keep us firm upon guidance, and we asked a lot to shower our beloved messenger Muhammad sallallahu alayhi wa sallam with compliments

and salutations along with his family and his companions, and all of those who follow his Sunnah his tradition until the end of time, our lawmakers of those who recite and listen to the plan and act upon it. Our lawmakers of those who are in love with the messenger in his tradition and adhere to it. As to what follows.

We mentioned a few nights ago we recited actually in the salon a couple nights ago in Salatu telawi we were reciting from Seurat Alma EDA chapter number five. And in the very beginning of that sort of Allah Subhana Horta, Allah gives a command to the Muslim Ummah, to the community. And

this is a principle in our religion. It's a principle and a foundational axiom in this area of our beautiful religion, Allah subhanho wa Taala said, What are our eligibility what our what are our one or the other doing? Allah subhana wa tada is calling out to this community, encouraging each individual member of this community to assist one another to our new help each other, cooperate, collaborate, work with one another. And then Billy, what taqwa upon that which is pious, that which is righteous, that which is good, that which is beneficial, that which is healthy, that which helps us grow in our EMA and in our life as upright Muslims will not allow one or at least one and Allah

subhanho wa Taala says, and do not expend effort, don't work with one another, don't make deals and arrangements upon that which is false hood, which is wrong, which is sinful, which is hurtful, which is abusive. So here we have a principle that a lot laid out for us in Nepal and work together for that which is good, and that's in general, it encompasses all types of goodness.

When we look at what the scholars deduced, after studying for years and decades, and after centuries of scholastic work in this religion, they wrote a man looked at the entire Sharia holistically as a whole. And after observing all of the different do's and don'ts and the rulings, and the encouragement and the prohibitions, the aroma, the scholars concluded that there are a few a handful of very high and lofty objectives, that the rules of the shediac aim to bring to life.

Amongst them, they mentioned the preservation of human life, amongst them the preservation of one's religion, their Deen their ability to be connected to their Creator in the manner that pleases Him. Amongst them, they mentioned the preservation and the importance of dignity and honor. And also amongst that, which is mentioned, and that's related to our topic today is the preservation of wealth if looted men and that doesn't only refer specifically to currency, but all that which falls under the umbrella of a believer as wealth. The rulings of the shed era are in place. The do's and don'ts are there for the benefit of our life, our Deen our dignity, our wealth and our family ties

and kinship.

So the message and the topic today is very short, very brief, yet very direct and very pertinent to our situation. And the message is, get out of debt.

And if you're not in debt, then don't fall into debt.

It's a very simple message, which I assume

Most of us have heard many times before, but we are all in need of reminders. And just to share with you some numbers, although that's not the greater point behind today's message. But our society that we live in

2018, the quarter of 2018 concluded, and the average consumer or the total consumer debt in this country of ours, was approaching $14 trillion.

That's more than the wealth of many countries on the face of this earth. And that is consumer debt, you and I are consumers.

Consumer Debt can, we can't even fathom a number like that. And as the Muslim community here in this area, we are not immune to all of the different problems that take place in the greater society around us. So we should be cognizant and aware and not allow some of these societal vices to affect us, especially when we have certain codes of conduct in our Deen that pertain to those vices. This idea and the Sunnah of the Prophet sallallahu alayhi wa sallam is full of narrations, that Warren from the danger of falling into debt, that encourage people to hasten to get out of debt. And we'll mention just a couple or just a few of them today.

But let us be aware of the greater culture that we are surrounded in, where things like credit cards are romanticized and are pushed upon the consumer so heavily.

Where the idea of taking a loan is absolutely normal, if not oftentimes encouraged in the society that we live in. All different types. Homes are purchased on loans, cars are purchased on loans, degrees, people go to school based on loans, even the most trivial of things. The other day, I went to a mom and pop owned tire shop to change my tire. It's a very rundown not one of these fancy tire places, and a big sign right when I walked in, says, zero down paid, take a loan to get your tires changed. Us tires, Allahu Akbar, even used car tires want to be sold to us based on loans. There is an entire industry, in our society, that it profits on buying and selling other people's loans.

There are entire financial institutions that want to purchase your debt from somebody else, so they can stay on top of your head and allow the interest to pile up. So we understand that this is the societal, this is the situation around us. And we come to the Prophet sallallahu alayhi wasallam we find that out of sort of law and civil law where it was settled him was very aware of the situation of debt.

And a person's financial situation is closely related to their spiritual state of affairs as well. The to affect one another. So we find the Prophet sallallahu alayhi wa sallam used to very regularly seek refuge in a lot from me well Muslim,

CATHERINE MCKENNA Tara with salatu wa sallam meaning me when Muslim, so much the Prophet sallallahu alayhi wa sallam would ask a lot to protect him and save him from being overburdened by sins and being burdened by debt. What do you mean me overburdened by debt? Until one of us will have came to the Prophet sallallahu alayhi wa sallam one day and said O Messenger of Allah. Why do you keep making your ad to be protected from a Muslim? Why do you keep making your ad to be saved from debt?

So the Prophet sallallahu alayhi wa sallam said, when an individual either Kadima when an individual becomes in a situation of debt, they start falling into other problems. The Prophet sallallahu alayhi wa sallam said, either had death calib

what either were either Aleph

the Prophet sallallahu alayhi wa sallam said, there is a trend. When a person becomes burdened with debt, they start lying and being deceitful with their speech. They start breaking their promises and their oaths as a direct result of falling into debt.

What's interesting is the prophets have a long way to send them mentioned these characteristics in other narrations when he described and munafo when he described the hypocrite, the Prophet sallallahu alayhi wa sallam said the characteristics of the hypocrite is that when they speak, they lie and when they promise they break their oaths and when the end their promises, and when they quarrel they get nasty and they insult and curse.

These are characteristics of a moon after called the hypocrite, may Allah protect us all from hypocrisy. Allah said in the Quran in the Muna fildena fedorko. Amina now

hypocrites are in the lowest levels of the Hellfire, may Allah protect us from his punishment.

So there is an overlap there. The Prophet sallallahu alayhi wa sallam also mentioned these same characteristics. For those that are overburdened with debt, they may begin to lie about their situation so they don't pay off the debt or delay or postpone.

And postponing debt is something that is forbidden in our Deen, so long as a person has the ability to pay it. Remove the element, say and it comes in durations, the one who has the ability to pay that but they put it off, they delay it to later. That's not something that is permissible. So the Prophet sallallahu alayhi wa sallam,

a person passed away in his community. And they informed the Prophet sallallahu wasallam we are going to have the janazah we are going to have the funeral for this person. So the Prophet sallallahu alayhi wasallam began to go following the funeral will help you to attain he took a few steps. Then he paused and he inquired, does this person have any debt?

Did they leave behind debt? And they said yes, the Messenger of a lot turned back and did not continue going to that janazah

that's very severe. That's very scary. And the Prophet said sala de sahibi. Can you guys pray janazah

on your neighbor on this person that passed away, but the Prophet sallallahu alayhi wa sallam did not want to participate?

It comes in other narrations that in the beginning of the *tier, the Prophet sallallahu alayhi wa sallam used to inquire

did this person leave behind enough wealth in their inheritance to pay off the debt? And if they said yes, he would command that be taken from their inheritance to pay off their debt and then they would pay the janazah. Otherwise, the Prophet sallallahu alayhi wasallam would not attend later in his life rather his salatu salam to give context to the topic so we can be academically honest and transparent later in his life. When the Prophet sallallahu alayhi wa sallam as the head of state had available to him more assets in baytril Marion muslimeen in the treasury of the Muslim community, the profits a little longer to sell and made it a communal responsibility and took it upon himself

to pay off the debts of those who died leaving behind debt, and they did not have any wealth to pay off those debts.

But this shows you that the profit so the longer it was send them took the matter very seriously, and taught and trained the Sahaba to take the matter seriously, to settle these debts before a person dies. And none of us know when our date of exploration will be the Prophet sallallahu alayhi wa sallam said men can abena Who are they? He Malema? Anybody who has any unsettled record between him and his brother and then settle it today before the day of judgment comes when there will be a de nada what I deal with him. There won't be any currency for money, monetary currency to settle debts in an aphylla. How will that be settled into here after we've had an ad and see at the Prophet

sallallahu alayhi wa sallam said that a person will come on the day of judgment and they have all of these good deeds. Well, Baba Tim Ahava Ahava mela hada

for you hydro means a Manhattan at

the province a little longer. And he was in them said when a person comes on the Day of Judgment with all the record of good deeds, but they have unsettled records. They have oppressions, they have people that they abused and didn't settle that record. And amongst the abuse, they wrote, and I said is intentionally negligence out of negligence not paying off debt. They said how they know earn minimum volume, this is a type of oppression.

Because the person that loaned you that money may also be in need of it as well.

So the profit so the longer it was lm is teaching and training the community in the Sahaba not to take the matter lightly in his own actions. Now, is it permissible in Islam for a person to take a loan if they need to?

And the Roma said, Yes, absolutely. So long as it is an ethical and permissible type of loan. And so long as what they are using it for is something permissible, can't take a loan to do something wrong. That's not permissible.

That's double trouble.

But there are other methods that a person should only go to that means in dire circumstances, yes, it's permissible. And here is a message to all of those that might be in debt or might be considering going into debt. The third element said if a person reaches such a need, and the matter is, so there's so much constriction in their affairs that they need to take a loan that said they must have a sincere intention to repay that loan as soon as feasible.

physically possible. And if there is that sincere intention to do so, then Allah subhanho wa Taala will help them and this comes in a hadith yes sir ah Hola Hola. Allah will make it easy for them to pay off that debt. But the one who takes a loan and does not take the matter seriously and postpones and delays and ignores the Prophet sallallahu alayhi wa sallam said, acalypha Hola, the Prophet sallallahu alayhi wa sallam said, then that person is at risk of being destroyed by Allah, because they destroyed the wealth of someone else.

They took advantage of it.

And so the message is very clear,

and very straightforward.

And so panela, I was amazed. There are certain individuals in our society and American society at large, that has become so popular and so famous because they focus in their financial advising, on getting out of debt, millions and millions of subscribers and followers on TV channels and radio channels for specific individuals. And I found some of them to be very devout in their religious practices, and that's respectful.

That's respectful. We also have those teachings in our Deen as well to not take the matter seriously. As for those who are not in debt,

good for you.

Keep in that situation, but you may be asked by someone to offer them a loan. So here is a message for those that are loaning to others.

You know, in the financial system that we live in right now, loans and debts are considered part of means of gaining profit. So when way for people to make money, but in the Sharia of Islam, we find the discussion of loans coming under the chapter of sadaqa and charity.

We have something in our Deen that is not practiced so much. It's called herbal hesson

alcohol hessen,

which is a type of loan but it is not a loan that you profit from monetarily. But it's a loan that is meant as a form of sadaqa. And it's a very high form of soda where there is flexibility in terms of the repayment of the old house and it's a beautiful loan.

And that's something that has not practiced as much so those that are giving loans to others. Allahu subhana wa tada said in the Quran, we're in Canada do rousselot in Venezuela to an LMA Sora. We heard that a few nights ago in Malawi as well and salted Baccarat, we can kind of do our research in Venezuela tune in and as Allah, Allah calls upon those that have given loans to others, that if you find the debtors in a very difficult situation, then be flexible with them and increase the payment date for them to repay that loan.

Also of the highest forms of soda is to pay off someone's debt for them. The Prophet sallallahu alayhi wa sallam said, and we've come full circle, we begin our discussion by talking about how the *tier encourages us to help one another and cooperate with one another. The Prophet sallallahu alayhi wa sallam said, Whoever it takes away a burden for a believer in this dunya Allah subhanho wa Taala will leave for him a burden from the burdens of the law. May Allah subhanaw taala relieve us from the burdens of the hereafter.

And in conclusion, the Prophet sallallahu alayhi wa sallam taught us all whether we are in debt to others or we are loaning to others regardless of the situation. The Prophet sallallahu alayhi wa sallam used to love certain door as amongst them along the journey we had alikhan holonic along the journey behind it can holonic well other than you need to be fully Carmen sewak Oh Allah makes efficient for me that would you have made head on so that I will never be in need of that which is how long and Oh Allah enrich me and grant me wealth from your bounty and your grace.

So that I will never be in need of anyone else. The scholar Liam taught us to control our hearts.

A lot of times we go out seeking loans from others because there is a lack of stability in our hearts, or there is a lack of responsibility in our financial habits. The scholar said in a bare minimum effort led by a demon called the heart for the one that you are yearning towards asking for some help. Know that their heart is in the control of Allah subhana wa Tada. their wealth in their bank account is in the control of Allah subhana wa Tada. train ourselves to get in the habit of asking Allah subhana wa tada before asking from anyone else may Allah Subhana Allah enrich us from his bounties May Allah subhanho wa Taala relieve those

amongst us that are in debt, may Allah subhanahu wa tada grant us the wisdom and the strength to make the most financially responsible decisions and choices of who matters marijuana Western federal law. Hollywood a commonly cited Muslim enemy could even be Mr. Fierro in the home who will have over him.

hamdu lillahi wa Salatu was Salam ala Mallanna Viva La masala Salam O and M o crema z to America. Allah said, you know, have you been a Muhammad Ali he was like me he was a limiter Sleeman kathira we have been sharing some narrations and discussing the importance and the gravity and the seriousness of the issue of debt in our Deen and our Sharia.

And it is a priority for the Muslim to live a life free of debt and if they happen to be in a situation of debt that they exhaust all means and old resources and use as much energy as possible to get out of that situation as soon as possible before leaving this dounia a few announcements before we end today. The minaret Academy Saturday school has a summer camp from the 24th of June to the first of August and that's Mondays and Thursdays so please check the fliers outside for information about that there is a hedge program that we have been announcing which is led by Chef mustafar Omar and it is at a lower price point than many of the other packages. So please take

advantage of that opportunity. And lastly, the IOC social committee has organized a special event for for our children ages seven to nine years old and that is every Friday and Saturday during the month of Ramadan that they have their own program after salata Asia, they will pray Asia and some of telawi and then they will have their own educational and inspirational program for that age group specifically. So please take advantage of these and all other programs offered by your message for your benefit and spread the word about them.

We may be wondering what the relationship of this topic is to the month of Ramadan specifically. And there are many

points of relationship, one of which is we have heard before, and we are in need of hearing time and again, that flooded during the month of Ramadan is highly encouraged. And the Prophet sallallahu alayhi wa sallam was even more generous during the month of Ramadan than he was the rest of the year. And he was by nature a very generous person. So as we mentioned, one of the forms and virtuous forms of soda and charity is to relieve for a fellow brother or sister the burden of debt. Consider that as a form of your soda in this month, to not only give a financial charitable contribution, but also to ease the burden and the pressure upon your fellow Muslim in hopes that Allahu Subhana Allah

to Allah will reward you highly for that in on the Day of Judgment.

We ask Allah subhanho wa Taala. For anyone in our community that is burdened with debt to relieve them of this burden. We ask Allah subhana wa tada to grant us belikin our wealth, we ask Allah Subhana Allah to protect us from being stingy and miserly. We ask Allah subhana wa tada to inspire us with generosity. We ask Allah subhana wa tada to grant us the wisdom to be careful with our choices. We ask Allah subhana wa Taala to protect us from some of the bad habits and social vices of the environment that we are living in. We ask Allah Subhana Allah to Allah to forgive us in this month. And to forgive our parents. We ask Allah Subhana Allah to grant cure to all of those that are

ill, and to have mercy upon those that have passed away. We ask Allah subhanho wa Taala to help us to remember him and to be grateful to him and to worship Him in the best of ways have been at United dunia has an awful lot he has worked in urban up along with sundiata Mohammed Ali Mohammed

Ibrahim Ibrahim inika hamidou Majeed, oh barichara Mohammed Mohammed Abdullah Abdullah Ibrahim Ibrahim in Naka, hamidou Majeed, I forgot to mention that after the Salah, there will be an important announcement update for the community so please stick around after the Salah to hear that like women love

a shirt

should one murder