Muiz Bukhary – Cheating in Business- The Fastest Way to Lose Everything

Muiz Bukhary
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AI: Summary ©

The importance of following the Bible and trustworthiness in Islam is emphasized, along with the need for absolute honesty and avoiding falsehood. The speaker also emphasizes the importance of verifying information and establishing trustworthiness. timely payment and fair compensation are also crucial for employees, and documenting agreements and setting fair prices are also key principles. Consent is also emphasized, and individuals are encouraged to be models and leaders in their industries.

AI: Summary ©

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			We
		
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			begin by praising Allah,
		
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			the lord of all worlds, the exalted, the
		
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			majestic. We ask him to send his choices
		
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			to blessings and salutations
		
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			upon the final messenger, our beloved prophet Muhammad
		
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			sallallahu alaihi wa alaihi wa salam, his family
		
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			members, his companions, and every single individual
		
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			who embraces the prophetic path, the prophetic teachings
		
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			with the class with sincerity until the end
		
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			of time.
		
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			My dear respected elders, brothers, and sisters in
		
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			Islam, why sisters? Because perhaps they will listen
		
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			to the recording later on. They'll watch the
		
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			video later on. I admonish myself and then
		
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			all of you all gathered here. I remind
		
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			myself and then all of you all gathered
		
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			here for salatuljumma'ah
		
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			to adopt a life of taqwa and that
		
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			is to instill
		
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			the remembrance of Allah.
		
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			The consciousness of Allah to be aware
		
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			that Allah,
		
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			his knowledge
		
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			knows no bounds.
		
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			He's aware of every statement of yours.
		
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			He is aware of every action of yours.
		
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			He is aware
		
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			of every
		
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			thought that crosses your mind.
		
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			He is aware
		
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			of every fleeting
		
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			glance of yours.
		
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			We must instill this
		
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			oh my congregation.
		
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			If you wish to attain victory, if you
		
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			wish to attain success
		
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			in this world as well as the hereafter,
		
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			may Allah subhanahu wa ta'ala make us all
		
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			from the people of Taqwa and may he
		
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			make us from the victorious and successful ones.
		
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			Inshallah, for today's khutbah, for today's sermon,
		
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			we will explore
		
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			an important aspect
		
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			of our faith
		
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			of our iman,
		
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			of our deen
		
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			that directly
		
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			impacts
		
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			our daily lives.
		
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			And this is in terms of how
		
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			we as believers,
		
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			we as Muslims,
		
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			we
		
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			as
		
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			followers of Muhammad sallallahu alaihi wa sallam,
		
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			how we must conduct ourselves in business and
		
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			in trade.
		
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			The title for today's sermon
		
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			is
		
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			cheating
		
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			in business,
		
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			the fastest way
		
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			to lose everything.
		
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			The fastest way to lose everything.
		
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			I would like to share a hadith of
		
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			the prophet sallallahu alaihi wa sallam to set
		
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			the foundation,
		
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			to set the stage for the discussion.
		
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			The messenger of allah sallallahu alaihi wa sallam
		
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			is reported to have said,
		
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			the truthful
		
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			and trustworthy
		
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			businessmen,
		
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			the truthful
		
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			and trustworthy
		
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			merchant,
		
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			the truthful
		
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			and trustworthy
		
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			entrepreneur.
		
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			He will be
		
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			SubhanAllah,
		
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			hadith is recorded in the book of Imam
		
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			al Tirmidin.
		
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			He will be with the prophets.
		
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			He will be with the Shuhada.
		
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			The marchers.
		
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			The ones who gave their lives for Allah.
		
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			He will be with the
		
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			siddiqeen
		
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			like Abu Bakr is siddiq radiallahu
		
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			an.
		
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			He will be with those who are truthful,
		
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			those who are righteous,
		
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			who
		
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			we are not talking about a martyr here.
		
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			We are not talking about a half of
		
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			the Quran here. We're not talking about an
		
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			imam.
		
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			We're not talking about a scholar, a sheikh,
		
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			a mufti.
		
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			No. Who are we talking about?
		
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			A truthful merchant,
		
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			a truthful business person, a businessman.
		
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			So, today
		
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			the bulk of us
		
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			the majority of us,
		
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			I would say 99 percent of us, we
		
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			all businessmen.
		
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			Now, you might be thinking oh wait I
		
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			am not really involved in business.
		
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			You may not be directly involved in business
		
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			in the sense, you may not be
		
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			buying and selling, but the minute you engage
		
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			in any transaction,
		
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			you bought a house,
		
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			You've sold a
		
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			house. You've bought a land. You've sold a
		
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			land. You bought a vehicle.
		
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			You sold a vehicle. You bought a motorbike.
		
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			You sold a motorbike.
		
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			Why? You even bought a phone, sold your
		
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			phone. You involved in trade.
		
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			You involved yourself in transactions
		
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			and these transactions
		
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			are governed
		
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			by the Quran and the sunnah of Muhammad
		
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			sallallahu alaihi wa sallam. So, as believers,
		
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			we cannot engage in these transactions the way
		
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			we want to engage in them.
		
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			The Quran has outlined a way for us
		
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			to engage.
		
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			The teachings of the prophet sallallahu alaihi wa
		
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			sallam have engaged
		
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			in the sense have instructed us clearly
		
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			how we are supposed to engage
		
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			in in such trade, in such transactions.
		
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			Three important principles
		
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			that the Quran and the sunnah highlight.
		
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			Three principles, my dear brothers and sisters, that
		
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			we have to bear in mind.
		
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			Number 1.
		
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			Al Adil,
		
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			fairness,
		
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			being just.
		
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			The Quran,
		
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			our maker, Allah Azzawajal,
		
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			and Muhammad sallallahu alaihi wa sallam command us
		
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			to deal with fairness,
		
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			with justice,
		
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			with equity in our interactions. This is principle
		
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			number 1. Principle number 2,
		
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			Amanah,
		
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			trustworthiness.
		
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			The Quran,
		
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			the sunnah
		
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			teaches us that we are supposed to be
		
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			trustworthy.
		
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			The prophet sallallahu alaihi wa sallam, he was
		
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			not easily known as Al Amin
		
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			Al Amin, the trustworthy
		
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			one.
		
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			Why? Because he was an extremely trustworthy individual.
		
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			He did not breach
		
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			his trust.
		
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			The trust that people had in him,
		
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			he did not breach it. He valued it.
		
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			He safeguarded it,
		
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			and this is why he was known as
		
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			a Amin.
		
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			So, this is a principle that we as
		
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			his
		
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			must uphold.
		
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			So, you have
		
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			fairness,
		
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			you have trustworthiness
		
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			and the third principle,
		
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			siddiq,
		
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			honesty.
		
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			Islam commands
		
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			absolute honesty
		
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			in all transactions.
		
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			And this is why if you look back
		
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			at the hadith I shared at the beginning,
		
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			what kind of a merchant,
		
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			what kind of a businessman will be with
		
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			the prophets,
		
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			will be with the martyrs?
		
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			Any businessman,
		
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			any merchant. Today, you can be any businessman
		
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			making money.
		
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			See, the yardstick is not oh, what is
		
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			his net worth?
		
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			How much of land does he own? What
		
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			is his bank balance? What is the vehicle
		
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			he drives? What are the watches that he
		
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			wears? This is not the yardstick.
		
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			How many companies does he own?
		
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			This is not the yardstick to gauge the
		
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			successfulness of an individual.
		
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			Rather, what did the messenger say?
		
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			The truthful merchant.
		
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			The honest
		
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			merchant.
		
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			And today, my dear brothers and sisters in
		
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			Islam,
		
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			this is a very difficult thing to do.
		
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			Making money in a way is easy.
		
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			There are
		
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			ample avenues to make money.
		
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			Ample avenues.
		
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			And through falsehood,
		
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			it's all the more easy.
		
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			But to be an upright merchant,
		
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			an upright businessman,
		
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			an honest businessman,
		
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			keeping to his word,
		
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			this is hard.
		
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			This is difficult.
		
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			Why? We even have people saying, what is
		
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			the point of me doing it whilst the
		
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			system is corrupt?
		
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			Everyone is corrupt.
		
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			So why should I be truthful? Why should
		
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			I be honest?
		
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			This is what is hard and this is
		
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			why the reward is so high
		
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			that you get to be with the prophets.
		
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			You get to be with the.
		
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			You get to be with the martyrs who
		
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			gave their lives for Allah. Why why do
		
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			you think the reward is so lofty?
		
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			Because being truthful,
		
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			being fair,
		
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			being just in today's context, in today's landscape
		
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			is not easy.
		
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			Today, my dear brothers and sisters in Islam,
		
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			falsehood has become the order of the day.
		
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			Lies has become the order of the day.
		
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			Today,
		
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			most of us cannot be involved in trade
		
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			or transaction
		
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			without deceiving,
		
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			without cheating,
		
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			without lying.
		
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			So, we have departed
		
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			far far away from the teachings of Muhammad
		
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			sallallahu alayhi wa sallam.
		
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			We're very particular.
		
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			Oh,
		
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			what I eat must be halal.
		
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			Before going to a restaurant,
		
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			we check. Is it halal certified? Only then
		
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			I will go and eat.
		
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			When the chicken is served,
		
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			the immediate question is posed to the waiter.
		
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			Where is the chicken from? Or let me
		
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			speak to your manager. I need to establish
		
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			whether it is halal certified.
		
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			Well and good. I'm not undermining this. This
		
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			is how you're supposed to be. You must
		
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			verify. You must check.
		
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			But that same individual
		
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			couldn't care less if his check were to
		
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			bounce.
		
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			He's not bothered.
		
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			He couldn't care less
		
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			if there are
		
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			50
		
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			missed calls
		
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			from different people
		
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			begging and pleading for their money.
		
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			Here he is in a fancy restaurant
		
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			trying to establish whether the chicken is halal
		
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			or not before he eats it, but his
		
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			checks are bouncing left, right, and center.
		
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			He owes the market money.
		
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			He has deceived people.
		
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			He has sold
		
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			inferior products.
		
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			He has sold defective products.
		
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			He promised that he would pay on a
		
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			debt, but months have gone by and people
		
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			are begging and pleading for their payments. He
		
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			has the money with him. He's deployed the
		
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			money. He's rolling the money, and he's not
		
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			willing to settle.
		
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			But, here he is trying to establish whether
		
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			the chicken is halal or not.
		
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			What is the point?
		
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			Your source is haram.
		
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			You've earned the curses of so many people
		
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			and you're trying to establish whether the chicken
		
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			is halal or not. You have got your
		
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			priorities mixed up. You have
		
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			got your priorities mixed up.
		
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			We don't hesitate
		
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			to say, you know what? In 30 days,
		
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			I'll make the payment. In 60 days, I'll
		
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			make the payment. But, at the back of
		
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			your mind, you know, no way on earth
		
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			am I going to pay in 30 days.
		
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			No way on earth am I going to
		
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			pay in 6 60 days. You already have
		
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			your excuses lined up.
		
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			How are you being honest?
		
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			How are you being truthful?
		
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			SubhanAllah.
		
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			Your check is a promise,
		
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			a binding promise
		
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			that you are going to pay. Be it
		
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			in Allah. Insha'Allah.
		
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			Yes. If something crippling happens,
		
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			then yes. You explain your situation. But here
		
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			you are. Some of us even have checkbooks
		
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			meant for lies, meant for falsehood,
		
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			Dummy accounts meant for this purpose. Just to
		
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			write checks and give.
		
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			Yeah. Now, the banking regulations are becoming stricter
		
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			by the day. So perhaps it's becoming more
		
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			and more difficult, but people find loopholes
		
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			to lie, to cheat, to deceive.
		
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			And for what?
		
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			To amass wealth. To earn wealth. To feed
		
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			who? To feed yourself,
		
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			your spouse, and your children. What are you
		
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			doing my dear brother? You're feeding yourself fire.
		
00:12:31 --> 00:12:34
			You're feeding your wife fire. You're feeding your
		
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			children fire. And tomorrow, if you die,
		
00:12:37 --> 00:12:39
			we all have to die.
		
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			You can be the richest person on planet
		
00:12:43 --> 00:12:45
			earth, but you think you can escape death?
		
00:12:45 --> 00:12:47
			You think you can buy your way? You
		
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			can't.
		
00:12:48 --> 00:12:50
			You have to die. You have to go
		
00:12:50 --> 00:12:51
			and stand in front of Allah.
		
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			How are you going to answer him? Number
		
00:12:54 --> 00:12:56
			1. Number 2. Do you think that this
		
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			money that you earn, this wealth that you
		
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			have amassed, that it is going to last?
		
00:13:01 --> 00:13:03
			You think it's going to last? You think
		
00:13:03 --> 00:13:05
			your children are going to be happy?
		
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			Some of us have usurped wealth.
		
00:13:13 --> 00:13:14
			We've taken money.
		
00:13:14 --> 00:13:15
			We've cheated people.
		
00:13:16 --> 00:13:17
			We've given false promises,
		
00:13:18 --> 00:13:19
			false returns.
		
00:13:20 --> 00:13:21
			Am I living happy lives?
		
00:13:22 --> 00:13:24
			Thinking that, oh, you know, I have outwitted
		
00:13:24 --> 00:13:26
			that individual. I have outsmarted that individual, but
		
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			no. In reality, you fooled yourself.
		
00:13:29 --> 00:13:32
			You have dug a pit of fire for
		
00:13:32 --> 00:13:32
			yourself.
		
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			The prophet sallallahu alaihi wa sallam is recorded
		
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			as I've said.
		
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			Hadith is recorded in the book of Imam
		
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			al Bukhari, rahimahullah.
		
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			The delay
		
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			in payment
		
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			by a person who has the means
		
00:14:00 --> 00:14:00
			is
		
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			is
		
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			oppression.
		
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			For the sake of business,
		
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			for the sake of
		
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			convenience, you may for example, obtain a loan.
		
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			You may let us say ask your friend,
		
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			look
		
00:14:23 --> 00:14:25
			I need x amount of money
		
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			and I will pay it within 30 days.
		
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			I'll pay it within 60 days. Why? Because,
		
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			perhaps, your money is tied up elsewhere.
		
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			You have a commitment to meet or there's
		
00:14:35 --> 00:14:37
			an opportunity that you see and you know
		
00:14:37 --> 00:14:39
			for a fact that you are expecting some
		
00:14:39 --> 00:14:41
			payments. You have money.
		
00:14:42 --> 00:14:43
			Now, what happens?
		
00:14:44 --> 00:14:47
			Your friend I'm just using a friend for
		
00:14:47 --> 00:14:48
			this example. He gives you the
		
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			money. You take the money and you use
		
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			it. Alhamdulillah. It's all halal.
		
00:14:55 --> 00:14:56
			Now, your deadline
		
00:14:58 --> 00:14:58
			approaches
		
00:14:59 --> 00:15:00
			30 days, 60 days. You must pay him
		
00:15:00 --> 00:15:01
			now.
		
00:15:02 --> 00:15:04
			Now, what happens? Another opportunity presents itself.
		
00:15:06 --> 00:15:09
			The prophet salallahu alaihi wa sallam tells us
		
00:15:09 --> 00:15:11
			the son of Adam is greedy
		
00:15:11 --> 00:15:12
			greedy.
		
00:15:13 --> 00:15:14
			Even if he were to the the narration
		
00:15:14 --> 00:15:16
			goes along the lines of these words. Even
		
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			if he were to have one
		
00:15:19 --> 00:15:20
			river of gold,
		
00:15:21 --> 00:15:22
			he would not be satisfied.
		
00:15:23 --> 00:15:24
			He would look for the next river of
		
00:15:24 --> 00:15:25
			gold.
		
00:15:26 --> 00:15:26
			Greedy.
		
00:15:27 --> 00:15:29
			So, you know now you have to settle
		
00:15:29 --> 00:15:30
			the loan,
		
00:15:31 --> 00:15:31
			But now
		
00:15:32 --> 00:15:35
			another palatable opportunity presents itself and you're greedy.
		
00:15:36 --> 00:15:38
			You go and deploy the money in that
		
00:15:38 --> 00:15:38
			opportunity.
		
00:15:39 --> 00:15:41
			And now your friend comes on the appointed
		
00:15:41 --> 00:15:44
			debt asking for the money. And now you
		
00:15:44 --> 00:15:44
			make excuses.
		
00:15:45 --> 00:15:47
			Oh, you know, this happened. I was expecting
		
00:15:47 --> 00:15:49
			a payment. This story, that story.
		
00:15:50 --> 00:15:52
			The prophet sallallahu alaihi wa sallam says, the
		
00:15:52 --> 00:15:55
			delay in payment by someone who is capable
		
00:15:55 --> 00:15:56
			to pay is is
		
00:15:56 --> 00:15:58
			oppression. These are not my words.
		
00:16:12 --> 00:16:14
			Allah says in the Quran, In Allah,
		
00:16:17 --> 00:16:20
			Indeed, Allah does not like the oppressors. You
		
00:16:20 --> 00:16:22
			have earned the anger of Allah.
		
00:16:23 --> 00:16:24
			So, oh, believer, are you are you not
		
00:16:24 --> 00:16:25
			afraid of that?
		
00:16:26 --> 00:16:28
			Or have you become so arrogant
		
00:16:28 --> 00:16:30
			that you don't care about the anger of
		
00:16:30 --> 00:16:30
			Allah?
		
00:16:32 --> 00:16:33
			And then why are you surprised
		
00:16:34 --> 00:16:37
			after that when the test of Allah come
		
00:16:37 --> 00:16:39
			your way? Why are you surprised?
		
00:16:39 --> 00:16:41
			When you angered Allah, what else are you
		
00:16:41 --> 00:16:42
			expecting?
		
00:16:42 --> 00:16:44
			Are you expecting everything to be given to
		
00:16:44 --> 00:16:45
			you on a silver platter?
		
00:16:47 --> 00:16:49
			No. You have angered Allah.
		
00:16:49 --> 00:16:51
			So when you have the capability
		
00:16:52 --> 00:16:54
			to settle, do not prolong.
		
00:16:54 --> 00:16:55
			Do not
		
00:16:58 --> 00:17:01
			delay. Dear brothers and sisters in Islam, obviously,
		
00:17:01 --> 00:17:02
			time does not permit and I have to
		
00:17:02 --> 00:17:03
			conclude,
		
00:17:03 --> 00:17:06
			but there are many action items taught to
		
00:17:06 --> 00:17:09
			us by the messenger of allah salallahu alayhi
		
00:17:09 --> 00:17:12
			wa sallam. The importance of honoring agreements.
		
00:17:13 --> 00:17:15
			The importance of keeping to your word.
		
00:17:15 --> 00:17:16
			Allah says
		
00:17:16 --> 00:17:17
			in the Quran,
		
00:17:20 --> 00:17:23
			Oh, you who have believed, fulfill all contracts.
		
00:17:24 --> 00:17:25
			Fulfill your agreements.
		
00:17:25 --> 00:17:28
			The fair treatment of your employees.
		
00:17:29 --> 00:17:32
			Today, your employee has worked hard for you,
		
00:17:32 --> 00:17:33
			but you delay the payment
		
00:17:34 --> 00:17:36
			of their wages, of their salaries,
		
00:17:36 --> 00:17:39
			the timely payment of wages. The prophet sallallahu
		
00:17:39 --> 00:17:41
			alaihi wa sallam, his reporter have said, give
		
00:17:41 --> 00:17:42
			your employee
		
00:17:43 --> 00:17:46
			his his salary, his wages before his sweat
		
00:17:46 --> 00:17:50
			dries. This hadith underscores the importance of timely
		
00:17:50 --> 00:17:52
			payment and fair compensation
		
00:17:52 --> 00:17:56
			for work done. Fair compensation is another important
		
00:17:56 --> 00:17:57
			thing when it comes to those who work
		
00:17:57 --> 00:18:01
			under you. Good working conditions. Some of us
		
00:18:01 --> 00:18:03
			slave drive our employees
		
00:18:04 --> 00:18:05
			without fearing Allah.
		
00:18:06 --> 00:18:07
			We think, oh, I am paying
		
00:18:07 --> 00:18:08
			25,000
		
00:18:08 --> 00:18:11
			rupees. I need to milk him dry.
		
00:18:11 --> 00:18:13
			I need to get every ounce of work
		
00:18:13 --> 00:18:15
			as possible. You tell him one set of
		
00:18:15 --> 00:18:17
			work, but you literally
		
00:18:17 --> 00:18:19
			slave drive him.
		
00:18:20 --> 00:18:20
			Haram.
		
00:18:22 --> 00:18:23
			Dhulm,
		
00:18:23 --> 00:18:24
			oppression.
		
00:18:29 --> 00:18:30
			Don't you fear Allah?
		
00:18:31 --> 00:18:34
			Hakukul Ibad, the rights of the servants of
		
00:18:34 --> 00:18:34
			Allah,
		
00:18:35 --> 00:18:36
			The creation of Allah.
		
00:18:37 --> 00:18:39
			So be mindful, oh, my congregation.
		
00:18:40 --> 00:18:41
			Be mindful of all of this, my dear
		
00:18:41 --> 00:18:44
			brothers and sisters in Islam. As Muslims, we
		
00:18:44 --> 00:18:46
			must lead by example
		
00:18:46 --> 00:18:48
			in terms of how we treat those who
		
00:18:48 --> 00:18:50
			work for us. We must ensure
		
00:18:51 --> 00:18:53
			that their rights are protected. We must ensure
		
00:18:54 --> 00:18:56
			that they are treated with love, with care,
		
00:18:56 --> 00:18:57
			with respect.
		
00:19:01 --> 00:19:04
			My dear brothers and sisters in Islam, be
		
00:19:04 --> 00:19:06
			transparent in your transactions.
		
00:19:07 --> 00:19:08
			Full disclosure.
		
00:19:08 --> 00:19:12
			Always provide complete and honest information about the
		
00:19:12 --> 00:19:12
			products,
		
00:19:13 --> 00:19:15
			about the services that you are offering. If
		
00:19:15 --> 00:19:16
			there are defects,
		
00:19:19 --> 00:19:21
			talk about the defects. Do not hide them.
		
00:19:21 --> 00:19:24
			If there are limitations, talk about the limitations.
		
00:19:24 --> 00:19:26
			Do not hide them. This should be disclosed
		
00:19:26 --> 00:19:28
			to the buyer. Honest pricing.
		
00:19:29 --> 00:19:32
			Set fair prices that reflect the value of
		
00:19:32 --> 00:19:33
			the product or the service that you are
		
00:19:33 --> 00:19:34
			offering.
		
00:19:34 --> 00:19:38
			Avoid exploiting market conditions to overcharge your clients,
		
00:19:38 --> 00:19:40
			to overcharge your customers.
		
00:19:43 --> 00:19:43
			Agreements.
		
00:19:44 --> 00:19:45
			Have them documented,
		
00:19:46 --> 00:19:48
			my dear brothers and sisters, as much as
		
00:19:48 --> 00:19:49
			you can.
		
00:19:49 --> 00:19:51
			Whenever possible, wherever possible,
		
00:19:51 --> 00:19:54
			have all of your documents in writing.
		
00:19:54 --> 00:19:57
			Detail the terms and conditions
		
00:19:57 --> 00:19:58
			very clearly
		
00:19:58 --> 00:19:59
			because this prevents
		
00:20:02 --> 00:20:05
			disputes later on. Today, we are hearing
		
00:20:05 --> 00:20:06
			of people
		
00:20:07 --> 00:20:08
			going through character assassination,
		
00:20:10 --> 00:20:11
			smear campaigns,
		
00:20:12 --> 00:20:14
			tarnishing the names of others.
		
00:20:14 --> 00:20:15
			Why?
		
00:20:15 --> 00:20:18
			Because the the agreement was not written.
		
00:20:18 --> 00:20:21
			So, even if someone were to come into
		
00:20:21 --> 00:20:21
			mediate,
		
00:20:22 --> 00:20:24
			if someone were to come into arbitrate, it's
		
00:20:24 --> 00:20:25
			very difficult.
		
00:20:25 --> 00:20:28
			Why? No agreement. One party will claim. He
		
00:20:28 --> 00:20:30
			said this. The other party will claim. He
		
00:20:30 --> 00:20:30
			said this.
		
00:20:31 --> 00:20:32
			And then at the end of the day,
		
00:20:32 --> 00:20:33
			when things go sour,
		
00:20:33 --> 00:20:37
			however great the partnership may be, however great
		
00:20:37 --> 00:20:38
			the relationship may be between the,
		
00:20:40 --> 00:20:41
			employer and employee
		
00:20:42 --> 00:20:42
			or
		
00:20:43 --> 00:20:45
			or the owner and the client, when things
		
00:20:45 --> 00:20:46
			go sour,
		
00:20:49 --> 00:20:50
			everything goes bad.
		
00:20:51 --> 00:20:54
			People start talking bad about one another, smearing
		
00:20:54 --> 00:20:57
			one another, backbiting about one another, gossiping about
		
00:20:57 --> 00:20:59
			one another. It becomes very very ugly.
		
00:21:00 --> 00:21:01
			On the other hand, if you have it
		
00:21:01 --> 00:21:02
			written down,
		
00:21:03 --> 00:21:06
			you have all the terms clearly laid out.
		
00:21:06 --> 00:21:08
			There's no room even if there is a
		
00:21:08 --> 00:21:10
			dispute. I'm not saying that it is completely
		
00:21:10 --> 00:21:11
			full proof. But even if there is a
		
00:21:11 --> 00:21:12
			dispute,
		
00:21:12 --> 00:21:16
			resolving the dispute becomes easy. Why? Because it
		
00:21:16 --> 00:21:17
			has been documented. And this is why the
		
00:21:17 --> 00:21:21
			messenger emphasized so much on this. Sometimes between
		
00:21:21 --> 00:21:21
			siblings,
		
00:21:22 --> 00:21:23
			between family members,
		
00:21:23 --> 00:21:26
			between great friends, people think people take offense.
		
00:21:27 --> 00:21:27
			Oh,
		
00:21:29 --> 00:21:31
			you want to write an agreement between us?
		
00:21:32 --> 00:21:33
			You don't trust me?
		
00:21:33 --> 00:21:34
			People take offense
		
00:21:36 --> 00:21:38
			when someone when one party suggests, let's have
		
00:21:38 --> 00:21:41
			an agreement. The other party takes offense.
		
00:21:41 --> 00:21:43
			Why don't you trust me? Look. So and
		
00:21:43 --> 00:21:45
			so is dealing in the millions with me.
		
00:21:45 --> 00:21:48
			And and people, subhanallah, it's it's absurd.
		
00:21:49 --> 00:21:52
			People take pride over the fact People actually
		
00:21:52 --> 00:21:54
			say this. So and so has done transactions
		
00:21:54 --> 00:21:56
			with me in the millions
		
00:21:56 --> 00:21:58
			and up till date, not even a single
		
00:21:58 --> 00:22:00
			piece of paper. We have not even written
		
00:22:00 --> 00:22:01
			a single agreement.
		
00:22:01 --> 00:22:02
			Allah protect.
		
00:22:03 --> 00:22:05
			May Allah protect you.
		
00:22:05 --> 00:22:07
			You have gone against the teachings of the
		
00:22:07 --> 00:22:10
			prophet salallahu alayhi wa sallam. Whatever it is,
		
00:22:10 --> 00:22:12
			try and write as much as you can.
		
00:22:12 --> 00:22:14
			This is the instructions of the prophet
		
00:22:16 --> 00:22:18
			And you don't need to go far to
		
00:22:18 --> 00:22:20
			see the logic. Look around you. You can
		
00:22:20 --> 00:22:23
			see families breaking apart. You can see siblings
		
00:22:23 --> 00:22:25
			not talking to one another. Brothers not talking
		
00:22:25 --> 00:22:27
			to brothers. Brothers not talking to sisters.
		
00:22:28 --> 00:22:30
			Friends, friendships have broken. Why?
		
00:22:30 --> 00:22:34
			Because of disputes. Shaitan comes in between. There
		
00:22:34 --> 00:22:36
			is a dispute. There's no way to resolve
		
00:22:36 --> 00:22:36
			the dispute.
		
00:22:37 --> 00:22:39
			And at the end of the day, sometimes
		
00:22:39 --> 00:22:40
			it's difficult to tell who is right and
		
00:22:40 --> 00:22:41
			who is wrong also.
		
00:22:43 --> 00:22:45
			Therefore, try to document all of this as
		
00:22:45 --> 00:22:48
			much as you can. These are a list
		
00:22:48 --> 00:22:51
			of quick action items in terms of
		
00:22:51 --> 00:22:53
			of, you know, adhering to high
		
00:22:54 --> 00:22:57
			financial ethics in Islam. And lastly, I conclude
		
00:22:57 --> 00:22:59
			my dear brothers and sisters
		
00:22:59 --> 00:23:02
			with emphasizing on regular self reflection,
		
00:23:02 --> 00:23:03
			accountability.
		
00:23:04 --> 00:23:05
			Just as you have an accountant who goes
		
00:23:05 --> 00:23:08
			through your books, an auditor who goes through
		
00:23:08 --> 00:23:09
			your books, you
		
00:23:10 --> 00:23:10
			yourself,
		
00:23:11 --> 00:23:12
			audit yourself.
		
00:23:13 --> 00:23:15
			Audit your own actions.
		
00:23:15 --> 00:23:17
			Audit your intentions.
		
00:23:17 --> 00:23:18
			Audit your statements.
		
00:23:19 --> 00:23:21
			Audit how you conduct your trade.
		
00:23:23 --> 00:23:23
			Ask yourself,
		
00:23:24 --> 00:23:27
			am I being the businessman that Muhammad salallahu
		
00:23:28 --> 00:23:30
			alayhi wa salam wants me to be?
		
00:23:31 --> 00:23:34
			Ask yourself, if I were to do business
		
00:23:34 --> 00:23:36
			with Muhammad salallahu alayhi wa salam,
		
00:23:37 --> 00:23:38
			how would I do business?
		
00:23:39 --> 00:23:40
			How would I do business?
		
00:23:41 --> 00:23:42
			If you were to sell a product to
		
00:23:42 --> 00:23:43
			Muhammad,
		
00:23:45 --> 00:23:46
			how would you sell that product?
		
00:23:47 --> 00:23:49
			If you were to deal with Muhammad,
		
00:23:52 --> 00:23:53
			how would you deal?
		
00:23:53 --> 00:23:55
			Oh, believer. Ask yourself
		
00:23:55 --> 00:23:58
			and set that as the standard with whoever
		
00:23:58 --> 00:23:59
			you're dealing with. Insha'Allah,
		
00:24:01 --> 00:24:03
			you will aspire for a high standard. You
		
00:24:03 --> 00:24:06
			will always aspire for fairness. You will aspire
		
00:24:06 --> 00:24:08
			for equity. You will aspire for justice and
		
00:24:08 --> 00:24:09
			honesty.
		
00:24:09 --> 00:24:11
			May Allah subhanahu wa ta'ala
		
00:24:11 --> 00:24:14
			help each and every one of us to
		
00:24:14 --> 00:24:17
			be transparent with our transactions. May Allah subhanahu
		
00:24:17 --> 00:24:20
			wa ta'ala help us to become truthful businessmen,
		
00:24:20 --> 00:24:24
			truthful merchants who will be raised with an
		
00:24:24 --> 00:24:24
			Nabiyeen,
		
00:24:25 --> 00:24:26
			siddiqeen,
		
00:24:26 --> 00:24:28
			Ashuhada, and As Salihun.
		
00:24:28 --> 00:24:30
			May Allah subhanahu wa ta'ala help us to
		
00:24:30 --> 00:24:32
			stay away from falsehood. May Allah help us
		
00:24:32 --> 00:24:35
			to stay away from deception. May Allah help
		
00:24:35 --> 00:24:38
			us to become examples in the business world.
		
00:24:38 --> 00:24:40
			May Allah subhanahu wa ta'ala help us to
		
00:24:40 --> 00:24:44
			become shining examples in the corporate world. May
		
00:24:44 --> 00:24:46
			Allah help us to become role models when
		
00:24:46 --> 00:24:48
			it comes to business and transactions.
		
00:24:48 --> 00:24:50
			Right now, the Muslim community, our name has
		
00:24:50 --> 00:24:52
			gone to the dogs.
		
00:24:52 --> 00:24:55
			The dogs in any industry. May Allah help
		
00:24:55 --> 00:24:58
			us to regain our name. May Allah help
		
00:24:58 --> 00:25:00
			us to cleanse our names. May Allah help
		
00:25:00 --> 00:25:02
			us to remove the tarnish from our names.
		
00:25:02 --> 00:25:04
			Ameen. Ameen. Just as how he united us
		
00:25:04 --> 00:25:06
			here in this Masjid. May he unite us
		
00:25:06 --> 00:25:08
			in the gardens of Jannah, in the companionship
		
00:25:08 --> 00:25:11
			of our beloved prophet Muhammad Sallallahu Alaihi
		
00:25:11 --> 00:25:13
			wa Salam. Ameen Ameen