Muhammad West – The Evils of Interest

			James Miller man Rahim Assalamualaikum once again.
		

			Mr. Romani was ex principal of mine. And I never got a hiding from him. I only go to hiding from one
one teacher, Chef father, when he heard I, when I was in mitrik. And he said, you know, have you
ever gotten it wished? And I said, No, I was in Saudi, I never got a K. They don't have corporal
punishment. He said, You can't finish school without get without cleaning. And he insisted, so I got
a hiding from Shephard level that if
		

			hamdulillah
		

			Alhamdulillah, we are only the products of our of our teachers and our parents, may Allah bless them
and honor them. Whatever good we do is in the scales of goodness, I mean, and we hope that we
fulfill the potential that they have, you know, put on us and guided us to I mean, this topic
inshallah of Riba it's not a topic that I like to talk about. In reality, if you follow my lectures,
if you come to Ronald Islam as read, I'm a firm believer that you don't come to the masjid and hear
how deep in janome you're going to be. And that's sometimes what we feel, I don't want you to leave
a talk feeling despondent, feeling negative. And, therefore, I begin with a bit of a caveat with a
		

			bit of a disclaimer, that number one, this area of of discussion is controversial. Shouldn't be but
it is controversial. It's a bit negative, which I as I said, I don't like giving negative i don't
like giving bad news, but the is a bitter pill to swallow. And it is something unfortunately, that
affects most of us. And it's one of those sins that, you know, we find almost acceptance. It's easy
for us not to accept murder, or stealing or drinking, but the rebar, we don't put it on the level of
seriousness as we should. And therefore I'm not here to condemn anyone, and whatever happens in the
month of Ramadan, that whatever is in the past is in the past that Allah subhanaw taala we make
		

			October and we reform from way forward. So this topic inshallah, as I said, it's not to scare anyone
but it is to have consciousness of Allah subhanho wa Taala. And before I enter, with that slight
introduction, also what I'll be discussing, it's only a few of in a half an hour talk. This modern
interest is a very detailed very specialized area, that you need a high level of expertise in this
area, and I expertise in terms of modern economics, so I'll be speaking more on the classical side,
what does it mean in the Quran, recite those verses, what was understood in the time of the prophet
SAW sent them and from the further on, you can do further research and study into modern times.
		

			So our objectives is I would like you to understand what what is Riba? What Riba is in the classical
terms in the Quran, I want to focus very much on putting in our minds the seriousness of this issue
of Riba and I want to end up with a bit of forgiveness and ways in which we can move forward from
the
		

			Riba as I said, the term you know, understand one thing that the word that the the term Riba is
unanimously agreed is haram and it is one of the major sins but where the debate comes in is, is
this transaction a Riba transaction or not? That is the debate as to what falls within this bucket
of Riba once you in the bucket of rebar. Everyone agrees, rebar is is haram and is one of the major
sins so let's go back to the time of the prophet SAW Selim. When they say the Riba, what was
understood in the minds of the Sahaba and the layman in general, the Muslim and non Muslim when he
said the Riba, what did they understand? linguistically, the word Riba refers to the Irabu it means
		

			to increase or grow, it is something in excess of the base, it is something more than the original.
So it's a surplus. That's what the word Riba means it's a positive or negative connotation,
depending on where you where you look, I'm going to share a perspective in the Sharia, it is the
measure of excess in one thing, when two things are being exchanged in a barter transaction. And
again, this will get a little more into the it'll become clearer when we get to that were two people
gave barter transactions, when there was an increase in that that was the rebar and in the case of a
loan with someone linked an amount of gold, and you pay back the capital with a bit of more excess,
		

			something more. I know that again, this is a it was looking at me, everyone's on about 52 by now by
30%, too, as we get to the end the military token, Sharia and numbers, it's difficult. So bear with
me in sha Allah, and I know it's a technical a bit of a technical issue in show what will become
clearer with time and stop me if you have a question. You know, I'm you know, to actions. If you
have a question, please raise your hand.
		

			So in order in the in the times of the J helia, and we call this the Rebbe of Jamelia. There are two
types of Riba transactions which are prevalent. The first would be the loan
		

			When a man would say, you know, lend me 1000 100 kilos of gold. And then he says no problem in one
year's time you pay me one and you know, 150 kilos of gold. And this was the Riba that is mentioned
in the Quran and Swartz mentioned. The ayat will speak about that's the one type. The other type of
Riba, which was prevalent was in terms of a data. So I come and I say, look, can I buy X amount of
dates from you, and I'll pay you the 100 grand that I owe you, in a month's time, no problem. In a
month's time, the creditor, the supplier comes and he says, Do you have my 100 grand? And he will
say, No, I don't have you on the train. So he says, no problem, you can pay me next month. But now
		

			it's 110 grand. And this is how the rebar progress. So it was based on the loans where you paid a
repayment that was more than the original amount. And number two, it was in terms of a business
transaction, your data, and you pay more than the original price, because you want a time extension
instead. So this is what the Riba was, in the time in the context of the prophet SAW Salem, and
every IRA you will see now that refers to this concept of rebar. And we can really see in modern
times this is still applicable. And in reality, yes, they are very detailed transactions about
rebar, very finite, very high in in depth study of rebar. But I'd say for the majority of us, we
		

			perhaps fall into these two brackets. When the when do we become in contact with Riba when we go to
the bank to loan some money to buy our car or house and we pay more to the bank than we separate,
then we originally linked or number two, we want to buy something on credit. And the cost that we
will pay on labor, or whatever it might be, is more than its original cost. And most of us that
sweep, I'd say 90 plus percent of us fall into when we have a rebar transaction into those two
areas. So let's not be confused, that we're talking about something external to us. And when we go
through these is actually the V ski is very, very scary is to think this is how close we're getting
		

			to a very dangerous area.
		

			So let's go through some of the ayat of the Quran the about 13 is in the Quran, which refer to river
and these ayat that I've selected, basically will encompass the understanding of Riba and you'd see
it's a stage progression. Allah subhanho wa Taala, reformed the Society of the Muslim in through
step by step. So Allah began when he spoke about the Riba This was soon after the hicieron. So to
room where Allah says, Whatever you pay as interest, so that it may increase the wealth of people
does not increase in the sight of Allah. Allah really began by explaining that the Riba based
transactions will not reap any dividends in the dunya and in the AF era. And I will liken this to
		

			someone who would say, you know, what, if I lend an amount from the bank, I can buy a nice
apartment, I can rent that apartment out, the rental payment I get is more than I need to I need to
repay the bank say 7000 and so I bought a 700,000 rent to buy this apartment, I need to pay back to
the bank 7000 rent, but I can rent that apartment out for 10,000 rent, which means I pay the bank
back and I pocket 3000 so I've made a clean 3000 Rand with no effort. Allah says if you indulge in a
Riba transaction, understand that Allah will take out any form of Baraka in that, yes, your bank
balance might go up. But you don't know around the corner what calamities Allah has now put in your
		

			way, what, what other areas of your life Allah has taken away the blessings from it, that's only in
the dunya. And in the accuracy panela, it can be so much worse. So Allah says, Allah began by
saying, avoid Riba because it's not going to be in your benefit in the dunya and the afro.
		

			When the language becomes more serious, Allah says, Oh, you who believe if you have a man who
believes me and you if you have a man, do not devour Riba, making it double and redouble. And be
careful of what you may have Allah have Taqwa of Allah, so that you may be successful. So Allah
subhanho wa Taala. And this is towards obviously, it's the lender. If you lending money, if you have
money, and you lend it, and you increase and add a premium each time, then Allah subhanaw taala
says, beware of Allah, if you want to be successful, and I'll just give you a warning. Now, do not
go into a transaction. If you want to lend someone money, lend it interest free. If you want to
		

			invest money and make money, then be a partner with that person. And be a partner with that person.
And the question usually comes up and says, you know, Chef, my brother in law he wants in eat some
money from me half a million Rand to start his business. If I were to put that off a million Rand in
places or whatever it might be, I will get a return. If I lend this man money, and he gives me back
my 500,000 Rand, I've lost out
		

			And I'm just making a distinction here. loans are not business, a person who comes to you for a
loan. He's in need. You don't profit on the need of someone else. But if you want to enter into a
partnership with him when she the risk with him, and look at the difference of this look at this
issue. Someone comes to me he wants to he has a great business idea. Leave me half a million Rand. I
lend him the money. I say next year you pay me
		

			an extra 100,000 you pay me back 600,000 Rand, if that business goes bankrupt, he still owes me
600,000 Rand Yes, I got 100,000 for doing nothing this person now he's lost his capital and he owes
me more than original right? So you making profit of a needy person whereas if you wanted to make a
profit, profit with an F right the pH profit with an if you see in the risk, become my partner. You
bring the capital I do the work if it's successful, we say if it's a failure, we shame that failure.
This is the concept of of this almost explaining you do not confuse loans do not make business out
of a loan and double and triple keeping the data permanently indeed.
		

			The language becomes most of you oh you will believe Yeah, you will let me know if you have a man.
Have consciousness have Taqwa of Allah and give up of what remains of a Riba if you are believers.
Allah is challenging your Eman. Stay away from Riba completely if you are true believers, Don't make
excuses. Don't look for loopholes. Don't look for that gray area, stay away from it completely. And
if you do not do so, then receive a declaration of war from Allah and His Messenger as a serious
language. Allah says, I declare war on you, if you do not stay away from Riva and if you but if you
repent, you shall have your capital sums, you will not lose out the initial loan that you gave. You
		

			do not deal do not deal unjustly and you are not dealt with unjustly remember Allah subhanaw taala
saying that this whole issue of Riba is about justice, you will not be done, you will not be done in
by the Sharia and you should not do others in that you should be faith and Allah will treat you
fairly. Allah subhanho wa Taala does not appreciate you and therefore you are in a position of
power. You don't oppress others.
		

			So very CDC analysis if you have a man stay away from Lima, and if you don't, then I declare war new
Elian is also declared war on you.
		

			Allah subhanaw taala mentioned to the Baccarat those who eat Riba those who acquire and get to the
bar doesn't say when it's one Rand or a million Rand, even if it's one cent of Riba, those who
acquire eat Riba, they will not stand on the day of karma, except like the standing of a person
beaten by shaitaan leading him to insanity What this means is, Allah protect us if you get into any
different topic altogether gene and these kind of things when shaytaan and it happens when a person
is touched by shape or gene. They have they have some gene problems. One of the one of the things
that happens to them is they have epilepsy or foot's.
		

			And it gives us a very different topic altogether. Most times the issue is on genius mental medical
problems, but people who genuinely have gene problems. If shaitan touches a person, it leads them to
insanity. So Allah says unki Amma, the one who has Riba on his account, he will stand like a person
who has mental with deranged, he will be having foot's he will go into yoga, you'll be paralyzed,
you'll be shaking, these are the things this is the way a level is linked to NPM. And remember this
different way some will be restricted, beautiful shining, others will be restricted in ugly forms,
but Allah protect us some will be restricted blind because they turned away from the signs. So the
		

			person of Riba Allah says you'll be resurrected like the one being possessed by shavonne, leading
him to insanity. That is because they said, and this is the excuse they made, that training is like
an eba and eba and business is the same. So the same thing, you bought it interest we call it
profit. What's the issue? It's semantics. Allah says they say that trading is only like Riba whereas
Allah has permitted trade and is forbidden forbidden Riba don't mix the two up. So it receives an
admonishment whoever receives a warning or even receives an a guidance from his rub. Stop eating a
river stay away from it shall he shall not be punished for the past. He's cases for Allah what
		

			you've done in the past. And that's the point I want to make all sorts of towards the end. What
we've done in the past, taqwa and forgiveness removes the past. So we move forward from today. So
this is whatever we did in the past. It's in the past, we make Toba but we even returns and goes
back. Such are the dwellers of the Fire and they will abide the so this is a very, very serious
punishment in pm.
		

			Allah says he will destroy a Riba and he will get
		

			Increase in sub account meaning all kinds of Riba will ultimately lead to your destruction in the
dunya. And your wealth might increase, but Allah will then take away the Baraka in your kids or your
health. So every time you take that, that extra interest that you're going to acquire, think about
what else Allah is not taking away from you. The blessings in your marriage, the guidance of your
kids span a lot, you're going to take that risk and Allah says he will give increased support and he
will and Allah likes not the disbelievers and the sinners. Again, Allah is equated Heba with
disbelief and support today in Ramadan people are always you find out hamdulillah so many good
		

			projects and you might feel if I give, I'm giving sebata I'm losing out. Allah says you're not
losing out. You might feel bank balance might go down today but tomorrow something else more
profitable will come in your will come your way. Truly those who believe and do deeds of
righteousness and performance salah and give us like a they will have the reward with their unnim
shall be no fear. No shall they grieve? This is the dunya and akhira oh you believe be afraid of
Allah and give up what remains from arriba how many times is already Peter this keep up and stay
away from Riba? Don't make excuses. Don't look at the bottom line. Think about the duck, I think
		

			about the afro
		

			in terms of so those are the eyes of the Quran. And as I said, we only use the Riba explain what is
it about one of the points Allah made he said, when you learn to not take w Tripoli do not leak you
can edit your data pay you back in excess of the capital amount. Already we saw from the if Reba was
that additional amount to a loan.
		

			And from the IRS, we may say it's all about the lender. It's all about the guy who gives the loan
and he takes back it but what about the one who pays it? We'll get to that? That's the question that
brother wants to ask us. We'll get to that. So so far, let's just do a quick recap. What is the
Quran says the Quran is said there will be no blessing for you in the river. You will not make a
profit if you involve yourself in a deeper transaction. If you lend money and you demand any excess
whether it is one read 1 million then that is Riba Allah subhana wa Taala declares one you stay away
from it and it is severe punishment in kiama you'll be restricted by law particulars insane and your
		

			destination is Jana. So it's I don't like to put people in jail number these are the ayat of the
Quran, not my opinions or any scholarly opinion, black and white in the Quran. We don't deny it with
Alhamdulillah Allah that's your that's your guidance we submit. Let's go to the Hadeeth and let's
see this more clarification the prophets RS and MCs avoid the seven great destructive sins so in
Islam we also have seven deadly sins. Allah says not it's not major sins it's actually destructive
movie caught the things that will destroy you completely, and Allah and then the Prophet lists them
What are these sins? Yeah, Allah number one to commit to worship anyone besides allies the worst of
		

			the worst, to practice magic and sorcery to communicate with jinn to kill that life to kill someone
without which Allah has forbidden to eat the wealth to eat at night. So number four on the list is
to eat Riba when to eat the wealth of the orphan and you can actually see this is in levels of
security, obviously schilke is worse. Then, then sorcery because also poofer and then murder, and
then the Rebbe is even before taking the wealth of an orphan. And you find maybe an organization may
not be the case you find out the director was stealing the orphans money was panelo what kind of 40
person is listening to rebuys even worse than that, right, to take to eat Riba and to eat the wealth
		

			of the orphan, to flee in the backlog into Jihad and he turns his back and he deserts his comrades,
and he causes them to lose the battle, to accuse a chaste woman of Zina to accuse a chaste woman of
Zina and she cannot commit Zina. So these are as a lot as the Prophet mentions the seven destructive
sins, the Rebbe is one of them. So it's not only it's all from the Quranic area, we find it's major.
And, and we'll get towards the end of my presentation, there's something on major sins and I just
want to touch on the sins of two types, minor and major and our losses if you avoid what is major of
sins, the minuses, we can't ever get away from them, it's natural will always fall into it. But if
		

			we avoid the major sense, then Allah promises as you come to kalon Pm with zero major sense, a level
forgive all your minuses and you will interject and we'll get to that. Right if you avoid the major
sins, unless I will automatically forgive all the minuses, no questions asked, and you'll go to
agenda. So what are the major sins? There's no clear definition but the Rama mentions any sin which
Allah promises is serious in the Quran. That is a punishment that is called a major sin. So yeah,
obviously the seven sins are major because the profits on cc these are the seven biggest sins. There
are others as well. Xena isn't on the list here. Obviously drinking hammer any sin which has a
		

			penalty in the dunya or Allah mentions the penalty in the Acura is a major
		

			There's about 40 of them or more between 40 or so that are masons avoid them. And you have a
guaranteed place in general, I mean,
		

			the prohibition of interest. So the province also mentions and again, I'm going through the
seriousness of Riba on the Iranian Mirage when the Prophet of the saw intragenic them, he saw a
specific punishment for those who consumed Riba that they were in a river of blood. And the angels
were throwing them with stones, forcing them to swallow it leaking, they bought the belly swell and
swell and swell. Now that is mentioned that they eat people tune in now, they actually these are not
just stones, but these are called burning coals eating into your stomach. And this is what Ally's
mentioning, that the punishment, the punishment you'd find in the kiama is commensurate, it is
		

			similar to the sun in the dunya, the person who committed a certain sin in the dunya, the punishment
will be like that in the pm in kiama. So a specific place for those who consume the rebar is a
special punishment for them.
		

			And of the signs of piano is that everyone will be touched with any bar, unfortunately. And it's not
to be fatalistic and say, Well, if everyone is going to be touched by rebar, then what's the point?
The point is that the promises is some will be touched with the fire of Riba and some will be
blackened with its smoke only for this degrees of the punishment. And we'll talk and we'll get to
Heidi, which mentioned that the Rebbe has degrees of it, but everyone and except those very special
few who try the best will avoid it. But the Jin Allah prophet is telling us basically a time will
come when the economics and the prevailing circumstances of the time would be that it's unavoidable
		

			almost it would seem unavoidable that everyone feels I have to get involved in some labor
transaction and this is one of the signs of pm and we living through those times.
		

			This is very dangerous Heidi things Pamela is mentioned even imager, and it is the you know, the
scholars have graded it so a modern scholars have said it's on the level of Buhari in terms of its
authenticity. The prophecies the Rebbe is of 70 types, meaning has degrees. The least form of Riba
is like having dinner with one's mother, these are the words of the prophets of Salaam, nazionale,
Moshe, this is the words of the prophets of Salah, the seriousness of this matter. And as I said,
		

			Why this issue is so controversial and contentious is because we can all when I speak about Xena, we
can all eject you know, no problem. We can already check murder and killing. But the Rebbe, this is
degree of acceptance in our community What's so bad about it. And when we just look at the ayah and
the Hadith, we see that this is a very, very serious matter, it is one of the most serious of sins.
It is just it's on par with Xena and murder and those kind of very bad sins. In fact, it's it's even
worse it looks like from these I've been drinking and eating haram Riba is actually a degree above
that the language is more severe.
		

			So why is labor so bad? You know why? What makes it so bad? I can understand killing you so bad.
		

			When we look at our society today, the economics of the world today, you know, so how about in the
time they did not get to see the full extent and the wisdom of the Sharia. We live in a time where
we can see societies built on a foundation that is not under Sharia what happens to it, and Allah
speaks about stay away from Xena, if you don't do that, you're going to find aids, you're going to
find families that are broken, you're going to find women that are being swaddled what's happening
to our women in the news. mela, protect us daughters and girls What's happening? Right? So these
things if we don't follow these rules, per the Sharia piece of the consequences to your society. And
		

			we just need to look at the modern economics that we're in to understand the evils of Riba. That
report came out earlier in the year that three people in South Africa control 50%, or they have the
wealth equal to 50% of the rest of the population, three people, she took the wealth of the bank
accounts of the 28 million South Africans, three people own that amount of wealth. And globally,
eight people own the wealth of 50% of the entire population. Now, for people to have such, you know,
obscene amounts of wealth, and you see people dying of starvation, this cannot be normal, you know,
your economic status cannot be normal. And it is a product of the system that we in, you know, we've
		

			all played Monopoly. And that is really how this world works, the economics of our time, that these
one winner and even as losers, that inequality is only increasing. It is designed for those who have
wealth to remain wealthy, that you lend your money out risk free, and you get a share of the profits
without any effort. And we live in a society, we really began out of balance that a certain segment
of the population, whichever way it was taken, they they hold all the cards, they hold all the
wealth of the nation.
		

			They will forever keep that wealth, so long as we in the system. What it does, I mean, just think of
it because of the system. My kids, your kids are disadvantaged, you want to go to a school, the top
schools on a certain area, but you can't get and they'll say, look, it's free, everyone can apply.
But we only give positions to kids in this area. Now how do I get to loving that area? Well, you
have to pay 5 million Rand and you need to get a bond to get that.
		

			We live in a free and equal society. But really, because of this economic system, we are
disadvantaged your kids, my kids are suffering because of that, because of the system. And what we
see in terms of crime, we see that we are not safe. We see it's all linked to, or one of the big
reasons is the economic inequality that we have, that for 20 years, people are still living in, you
know, the worst kind of situations. And the people who have wealth just are getting wealthier and
wealthier. This is because of rebar. And if you look at more shocking statistics, countries in the
world spending more money to repay the debt, they took a loan, because they were in need, they had
		

			to build. They had to build power plants, they had to build dams, they had to build schools. So they
took a loan from the World Bank 10 years later, they pay more to repay that World Bank than they are
paying for schools and infrastructure, and the kids will inherit that date. And this is the way of
the economics of our time. That the this is the economics of our time. So just to recap on the CD
system, I said number one, I want you to understand
		

			two things I said number one, so far the classical form of rebar was number one, when someone gave a
loan and took back more. That was rebar. Number two, when someone you know he bought an item and he
couldn't repay after a month, the next year to repay plus a penalty that was Riba This is in the put
on the two types of Riba and then all the all the punishments and as a lot attached to Riba it will
not increase your wealth, there's been no success for you in the dunya. These war with a lion is
that our soul standing like a mad personal piano, Allah promises destruction in the dunya they after
Allah said the punishment of fire, it's of the seven most destructive since it's like Xena, like
		

			one's mother, it is the sun. We'll talk about the sun shade, but others that the Baraka is lost in
that, that you'll do ours will not be accepted. Or maybe one of the reasons why we don't every you
know, one of the reasons why we don't have rain, if you look at the Hadeeth one of the reasons why
Allah removes rain is when our financial affairs in order.
		

			The rain is seen as a charity from Allah, it is a blessing, Allah gives it as a blessing. And when
we are corrupt in our dealings with money, and in specifically, we don't pay Osaka and any other
kinds of Riba based transactions, that's when the rain is withheld. So Al Hamdulillah for the rain
coming yesterday, and
		

			we can see our dependency on a lot, a lot also fine, you can have your Riba and you can have the
biggest bank account, I will withhold the rain, but what is the benefit of your even your wealth
doesn't help you. No matter how much money you have, you can't make the income down. So almost
pantalla sees if your fee was on this fee with you.
		

			It is the method of today, the poor countries are getting poorer and they remain poor. You know,
it's so unfair, that the colonial countries who ravaged and raped the world of its resources, once
they've had all the power, they've said, Now let's be free and fair, where everyone is equal to
pursue their own objectives. But you're living in a system where you will always be indebted and in
need of those who have. And it's designed. It's an it's, it's a form of slavery without any chains
and shackles. But it's still slavery. It's still slavery. And if you just need to look at 20 years
on, the haves have just gotten more and those who are poor and destitute or just getting poorer.
		

			It's the economics is developed like that.
		

			It encourages stagnation. It encourages you not to do anything that if you have, well, you just loan
the money and you get you get returns for doing nothing. It's enslaves you in the dunya. And it's a
universal you know, it's universally regarded as evil. If you go to the Bible, and the Torah, even
the corrupted versions of it, if you go to the the Vedas, the transcript of the of the of the
Hindus, the Buddhists, they will all speak out against the Riba it's universally seen as an evil to
profit off the needs and exploit the poor. It's universally seen as, as evil. How much time do we
have? The five Okay, inshallah.
		

			So, those are all from the Quranic speakers, but to understand that even more, and it goes beyond as
the brother asked the question, what about the prayer? The show the Hadith of the prophets of Salaam
gives us more understanding and we shouldn't have this mindset that Oh, that's good. And this hadith
last pantalla says that whatever separates between online is real soon. This is a serious sin that
Allah He will anticolonial However, he speaks not from himself, but he speaks from Allah Spano Tata
		

			promises is the Messenger of Allah curse, the one who accepts Riba and the one who pays it. And most
of us, we form on the other side. I don't think any of us who are banks that are lending money, but
we are loaning money from the bank. And that's where the Prophet Allah says that it is cursed both
the one who pays it and the one who consumes it. And even more all encompassing, whoever basically
enables the transaction. So river transaction there's a few parties to it is the one who loans the
money and takes the Riba The one who pays the Riba, the one who the lawyer withdraws from the
contract, the witnesses who stamped and approved whoever was involved in authorizing the
		

			transaction, the promises, the messenger Allah curse, the one who consume the Riba, the one who
gives it the one who writes it down, the one who witnesses he said all of them are equal in sin. So
the Prophet has made a distinction that those sins we spoke about Nicaragua is dealt between all the
parties who are party to authorizing that that transaction. So anyone who in his job and others is
really dangerous, maybe you work for a bank, maybe you work in a company where you need to calculate
interest. Well, you need to sign off on a document whether the business is going to loan some money.
		

			Anyone who is party to authorizing the transaction, not my words, words of Rasulullah saw Salam as
in Sahih Muslim, but all of them she in that sin
		

			Riba when the prophets of Salaam when when a step further and this is this is dealing with a gray
area is and this I said is not so much which those are these are the areas that really affect us
because most of us I said, when do we get into Riba when we loan money to buy a house or car and
that is clearly River. But the province of Salaam went a little further. And in this hadith below
the line famous below, he comes from an obese asylum, and he wants to give them a gift of of dates,
very nice dates, very real dates. So the professor asked Milan, Milan, we need to get these dates.
So I had to two kilos of inferior dates. And there was a manual kilo of superior dates. So we
		

			swapped you give me two kilos. You give me the one kilo good dates, I give you two kilos of inferior
dates, on the face of it. What's the issue? Definitely the kilo of superior dates is more valuable
than a kilo of inferior dates and promises. This is a river.
		

			And this is this is where the confusion comes in. Why isn't the Rebbe the Prophet, we'll see. Rather
what you should have done is sold you two kilos of dates in the open market got some gold or silver
and then buy that one kilo. Why? Because there's a degree of exploitation potential for
exploitation. You both don't know the value of your dates, there is a potential of causing some kind
of friction and he says this, in itself is also a kind of Riba. So the problem is going a step
further and saying, beyond loans, and beyond deaths, ethical business transactions, is also comes
into the level unethical business transactions falls inside the scope of river that any form of
		

			exploitation and that's really the essence of Riba. It's about exploitation. Anything which could
come will lead to exploitation is Riba another example once a hobby he had he bought a necklace of
gold, right? So he was the guy selling a Nicholas, he bought this necklace for X amount of money.
When he eventually value this necklace, he found that the gold that he got in the necklace was even
more than the gold that he paid, plus the obviously the jewels are the gems, when he told the
prophets of Salaam, the prophets on says that this is a type of rebar. So you mentioned this, the
Prophet replied, It must be sold until the contents have been valued, that this is also an area of
		

			river that these degree of exploitation, any transaction when there's uncertainty you find is haram
in complete unsaid. But if I say you know what, I'm going to give you a million Rand for whatever
your crops produce next year. Now it's a bit of a gamble. Either the crops can be more than a
million or could be less This is how, why there's a degree of exploitation, there's an uncertainty
when one is going to lose and no one can benefit. If it's a fantastic harvest, the farmer lost out
its Panama is a lead with resentment in his heart, it's a total disaster, you find a million for
nothing. The Sharia does not want a business transaction where there's a winner and a loser or all
		

			it should be mutually beneficial for everyone. That's the business ethics. So this also took this
concept of Riba a lot further and rebar was of the last things that he made her on towards the end.
And therefore this is these are the kind of Hadith that have some kind of ambiguity we listen.
		

			And I say this is beyond our scope, I think about discussion.
		

			The prophets was a type of Riba is when one person bids up the price, so you know, we go into an
auction and want to sell my property on the open market. My brother is in the crowd and he keeps
bidding up the price even though he doesn't want to buy it. He bids up the price, so that any
genuine
		

			doesn't want to buy it, but someone else has to buy the higher price versus EPA as well. The
provinces is a curse taker of Riba. Why cuz unethical. So profit has gone beyond the normal scope.
And I said this is the more in depth analysis of Riba To conclude, and I'm really, I don't want to
conclude that if we fell into it and we feel and when people hear this they feel very guilty. And
it's fun as part of the taqwa to feel a degree of guilt that I you know, I took out a loan on my
house I'm still paying I can't undo it. I'm still locked in I can't tell the bank I'm not gonna pay.
What do I do?
		

			The profits are often be going wrong direction. This is the I mentioned Allah subhanho intestinal
cavallino mattone honan, who naka francomb see it come if you avoid the major sins, Allah promises
as this so if you haven't gotten into any of these major sins, and you avoiding and you haven't gone
close to Riba, Allah says if you avoid the major sins, we will look at fit Allah is saying he will
like you know to disbelieve, cover to cover, you will completely cover up your mind essence one of
the maternal Karima and will include agenda kiama if you come no major sins on your account, no
matter how big your minuses are, and how few your good deeds Allah, Allah, your good deeds are Allah
		

			promises to wipe away those medicines and I will introduce the agenda. So avoid it don't put you at
risk.
		

			And if we have fallen into it, don't lose hope also fantasies one of the most famous, my favorite
Ayat of the Quran cleobury alladhina, asafoetida to see him, all my servants, my slaves who have
transgressed against themselves, Allah says to the promises and say to the slaves of mine and the
good ones, not the only ones who are pious to the centers, the ones who have committed all kinds of
evil evil, la Rahmatullah. Don't give up on Allah's mercy. In a lawyer for the robber Jamia, he
forgives all the sins if you ask. And the very very last thing I promised the last the last Hadeeth
perhaps my favorite, my most favorite howdy? Allah Spangler says Oh, son of Adam, as long as you
		

			call upon me and you put your hope in me, I forgiven you what you have done, and I don't mind, no
questions asked. Whether it is murder, Xena rebirth, whatever it is asked me, I will forgive. And I
don't ask any questions. I don't mind. I guarantee that to you. Oh, son of Adam. If your sins were
to reach the clouds of the sky 70 years of sin and now you want to make Toba it's reached the clouds
of the sky, then I will forgive you. So there is no reason to feel paralyzed by what we've done in
the past. The Nia is from today inshallah matobo. Whatever we've done with it a small one of us
might have a delay by account by the increase in our credit card. We paid 130 but it's quite small.
		

			It counts against our name, Allah forgive us. We might have a loan. Currently we have a loan with
the bank, we can't get out of it. Now forgive us. We make the turbomeca testify. And remember the
one who sin is forgiven. He gets a higher place in sha Allah. So Allah subhana wa Taala is looking
at it for that sincerely, and that is a tough one.
		

			To wipe away all my sins, I mean, well solarsystem hamadryad earlier episode mursaleen let me
		

			know some questions
		

			afterwards.