Nadim Bashir – O You Who Believe #07 – 2-278

			Bismillah R Rahman r Rahim and 100 loco behind me in WA Salatu was Salam ala Rasulillah him Hamid
while he was a big marine I'm about so every Monday night, we cover an Ayah from the Quran that
begins with you Hello Rena Ave and today the I have chosen is from surah baqarah ayah number 278
where Allah subhana wa Tada he begins the ayah by saying, Yeah, you hit the D and I'm an otaku.
Allaha whether through bhakti me or Reba? Enquanto mumineen This is Allah subhanho wa Taala totally
the believers who stay away from Riba. Now, this entire passage, as I mentioned before, it talks
about business it talks about giving, and if you go back to some few I yet, and I'm gonna go back to
		

			item number 274 In particular, because this is where Allah subhanho wa Taala he was talking about
something in particular, and he's talked about discussion and he begins a new discussion. So I in
number 274, Allah subhanho wa Taala says, and Lavina Yun Fiona um well whom belatedly when the hurdy
Siran, while Ania for the homage Roma Indra be him, well, hopefully Allah him whatever Allah says
that those who spend their wealth in Allah's way, either during the day or night secretly or
publicly file at home at your home or in the lobby him Allah says, in general, Allah subhanho wa
Taala will give them a reward and the reward is with Allah subhana wa taala. And we're not only
		

			that, what a whole family him without whom yes, no, and Allah says there is no hope. And I've talked
about this before, when the concept of hope and hasn't come in the Quran, it talks about the past
and talks about the future. What a homophone, there is no fear, fear of what usually is fear of the
future. Will I be financially stable in the future? What I have a job in the future? What's the
economy going to be like in the future? Allah says that when you give and you give for Allah sake,
that Allah subhana wa Dhana will not let you hanging and Allah subhanho wa Taala will give you back
that reward. Well, hopefully Allah him you have nothing to worry about in the for the future. While
		

			yes, unknown and there is no regret. Usually there is regret not about the future. There is regret
about the past, how I spend my money, I should have invested my money here. I should have not
invested my money over here. This is where I should have spent this is where I should have not
spent. Allah subhanho wa Taala says when it comes to sadaqa you have nothing to worry about the
past, because you may have given sadaqa in the past and is going to be rewarded to you in sha Allah.
Now, as I said earlier, that Allah subhanho wa Taala he starts a discussion and he begins another
one and hence from am are 275 Allah begins a discussion of Riba. So before Allah subhana wa, tada
		

			was talking about sadaqa in South Africa is a means of circulating money in the community. Okay, we
all know that you give sadaqa it goes to another hand, it goes into your hand. The money is
circulating in the community, but it's circulating in a way that it brings the peace and blessings
of Allah subhanho wa taala. On the other hand, you have riba where it is money circulating in the
community or in the society at large, but it is one that is devoid of the blessings of Allah
subhanho wa taala. Charity on one hand is about giving. It's about social welfare. It's about
purification of the heart. It's about generosity. On the other hand, what does riba signify greed,
		

			stinginess, taking more and more from others, and this love of dunya growing within yourself. And
finally, charity is about giving someone something without any expectations of a repayment or
recompense on the other hand, Riba, on the other hand is giving without expecting more, not
understanding or not caring, what the situation of the borrower will be the person who's borrowing
the money, I'm lending the money, and I'm expecting someone to give me back more. That's putting
undue hardship or unnecessary hardship on the other person. This is in essence, where Reba is, and
it brings more and more greed. So in essence of her life, you think about it, when you stay the
		

			entire sort of Bukhara, the one thing that we learn is, Allah always tells us two sides of the
story. This is the right way and this is the wrong way. For example, go back to the back, right and
this is where you know, a lot of times you will find these things in tafsir. But this is where the
more you read the Quran, the more you read it, the seed of the Quran, you began to read between the
lines, when Allah subhanho wa Taala is talking about one way of circulating money is the right way.
There's one way of circulating money and dies the wrong way, likewise is to the Bacara. We find
other things that Allah talks about, you know, comparing one
		

			against the other. For example, the greatest example I can give you is the OMA of Rasulullah
sallallahu alayhi wa sallam versus bunny is Satya. So the Bukhara Allah talks about both right yes
or no. And so the Bacara Allah talks about the ummah of the Prophet. And he also talks about
bunnies. So in Allah compares both, this is what bunny saw, he did, make sure you don't do that
either. There is over and over again here in the Surah, Allah will compare one against the other,
and Allah will tell us this is the right way. And this is the wrong way. Hence when it came even to
money, and when it came to giving, this is also Allah subhanaw taala. He talks about this. Now, when
		

			we talk about Riba, first of all, is that there is nothing that we find in the Quran that brings
that is more horrifying. That is more horrifying than rebound. I mean, there is nothing that we find
and we'll find this in the IRA that is going to be coming up in sha Allah. And it is not only
something that even in our time, or in the deen of Rasulullah saw salaam that is considered as money
that we should stay away from even before listen to this very carefully. Even before Islam. Riba was
something that even the most I mean people who do not believe in Allah, even they will stay away
from. Just to give you an example, go back to the story of the Kaaba in itself. The Kaaba that we
		

			see right now, the way it is, it was not this way built by Ibrahim alayhis salam, it was not built
to build this way, by Ibrahim alayhis salam, for those of you who have been to Makkah, you have seen
that semicircle that have circle, it's a wall like around like five feet tall. It's called the how
theme that signifies that the Kaaba was there in the time, or before the time of the Prophet SAW
Selim. In the time of the province of Salem, there was a flood that came into Makkah, they had to
reconstruct the Kaaba, and they ran short of funds. These were people who did not believe in Allah,
and they had a choice, their choice, either we can complete it by but we will have to use money that
		

			comes from a source of Riba. And these people not believing in Allah, they are idle worshipers. Even
at that time, they realize that this is money you need to stay away from they left that money, they
stayed away from that money. And they built that semicircle to signify what that this is the
original Kaaba and this is why we all know you when you pray inside the house team. It is as what
		

			is as if you prayed inside the Kaaba for that reason, you understand that, that that plays you know
that the reason I'm sharing this is because even during the Dark Ages or even before Islam, this is
how they used to view Rebbe money. But today, unfortunately, you see the entire world that we live
in, and how it is based off the bat. Now, when you study the the Islamic economic system and the
Riba based system, these are two systems that will never ever merge, they will never see eye to eye
D can never come on the same platform, you cannot have both on the same plate. So this is why I want
to share with you just few important things, something about the Islamic economic system versus the
		

			interest based economic system. First of all, is when it comes to the economic system, Islamic
economic system, we understand that we are we are I would say
		

			everything that we do is based on the orders of Allah subhanho wa Taala our life everything Allah
subhanaw taala has told us, this is the way you have to do it, and this is the way you will stay
away from so hence we are guided by laws, laws of Allah subhanho wa taala. On the other hand, when
you look at the Rebbe based system, there are no laws, any person who has money, you do whatever you
want, you're not guided, you're not. You're not governed by any laws. There are no rules in place,
you do whatever you want. Another thing that we learned the Islamic economic system is the concept
of sharing. Now I want to talk about this with you know, with for a few minutes, because what does
		

			this exactly mean? Sharing On one hand means that those who have been given and blessed by Allah
subhanho wa Taala have to give to those who are not blessed by Allah subhanho wa Taala for example,
we see that in the case of zakat, what exactly is a cut Zakat is those who have money, those who
have financial resources, they take out 2.5% of their wealth on an annual basis, and they give it to
those who are extremely in need. On the other hand, there might be some other causes. They may not
be zakat eligible, but what do we do in that case? We give out we give us other car, right? We give
us other car. On the other hand, something about sharing also teaches us is and this is something
		

			beautiful about our dean, our dean is very balanced. So
		

			Hello Ardene is very balanced. On one end while we are told to help out those who are in need. Our
deal also teaches us that we should never be dependent on anyone else. We should never be dependent
on anyone else. And I'm going to come to a subject matter regarding this. But just to give you an
example, when Rasulullah sallallahu alayhi wa salam when Roswaal, Salah migrated from Mecca to
Medina, and the very first thing that he did in Medina was he established Mala hearts. Right
brotherhood. So he had, he took once a hobby, and he gave it he told him that it's a hobby, you go
and you take care of him. And this hobby will stay with just a hobby, and this hobby will stay with
		

			us the hobby. But there was one important instruction given by the philosopher Allahu alayhi wa
sallam. And that was what he told the hosts the unsavoury companions, that when you take the Mahajan
in with you, it doesn't mean that they should just be completely dependent on you. Make them work,
help them find a job, let them get on their own two feet. Because our Dean does not say on one end,
our dean does say give. But on the other hand, the Dean tells those people who are the recipient,
that you cannot just expect to keep on going and receive money receive money, you have to try your
best to get onto your own two feet are these does teach this. And this is why the Sahaba they made
		

			the other Sahaba work. And when they would work together, the Sahaba, waiting to invite them into
their homes and so forth. Now, when you look at the country that we live in right now, one of the
biggest and most contentious issues right now that we're going through, if you sit down, you talk to
a Democrat, or you sit down, you talk to a Republican, the Democrats are saying what the you have
people who have so much money, you have so much money, and they're not being taxed, and they should
be taxed. You have middle income families, that they're being charged so much taxes, whereas the
very rich families, they're not being taxed. That's wrong in itself. On the other hand, the
		

			Republicans are saying was some of the Republicans aren't saying that, why should we give? Why
should we give, we earned this through our own hard work, we studied hard, we worked hard, and these
people who want to benefit of our money, they want to benefit and they want to be dependent on the
social welfare welfare system. That's not fair either, because they're not doing anything to help
their cause. Because they know that the money keeps on coming in, they're not going to keep they're
not going to do anything. And that's also a flawed system. That's also a false system. Islam has
taught us and this is why there was a man who came to the province of Salem few times, I don't
		

			remember his name. But as hobby kept on coming to the province of Salem, and after the third time,
the Paulson got upset with that man, the Prophet got upset with that man, the How long are you going
to come and keep on asking, So are these does teach us that those who are blessed by Allah, they
need to give, and those who are deprived and those who do not have, they need to work hard, they
need to get a job, and they need to get onto their own two feet. And you cannot keep on being
dependent on someone else. And this is why you have been a perfect system in place. This is what our
Dean has taught us. And this is the concept of sharing with one another. On the other hand.
		

			And finally, when it comes to when it comes to our Islamic economic system, the one thing that's
very important,
		

			when it comes to me means or,
		

			like when it comes to means, or you know, what, what do you say in English? Does the ends justify
the means you understand that? Does the ends justify the means, like today, we live in a world that
no one cares how you get there. As long as you reach your goal. That's what the idea is. But Islam
taught us that there's something called integrity. Islam has taught us there's something called
honor and respect. This is where you want to get to, but you cannot just get there in any which way,
you have to get to your end, and you have to reach your goal by with integrity and honesty. Our
Islamic economic system teaches exactly that. On the other hand, you have the Rebbe based system
		

			that tells us what it does not matter how you get there. But as long as you get there, that's the
most important thing. So a lender when they give money out than they want, if they give us $500 As a
loan, they want how much back in return, they want. 1000 $1,000 not understanding not their goal is
that they want to get rich, and that's everyone's goal, and there's nothing wrong in having that
goal. But the wrong way of getting to that is when you put this unnecessary hardship on someone else
and say that I don't care about your situation. You may have a very
		

			hairbow financial system, I don't care how it is, but I need $1,000 back. That is called the ends or
that is that. That means that they don't care how they get to their ends or how they meet their
goal. They just want to simply and meet their goal. Islam has taught us it has to be done with
integrity and respect and honor and the Islam or the Riba based system teaches us that that is not
what you care about. So this is the biggest issue that we have. So Allah subhanho wa Taala says
Allah Vina yet Korea Reba, Leia, poo Munna, Illa camellia qumola yet acaba wish it or no mineral
muss, Allah subhanho wa Taala says that those who are consumed riba la Yagoona, they will not they
		

			cannot stand on the Day of Resurrection, except as one who stands and he is beaten by shaytaan into
insanity. You know, when you know when we say you are touched by the devil, or you are affected by
the devil, or you are affected by chiffon. Usually when a person that happens, a person has no
control over their Sandy, these people who can who consume Reba on the Day of Judgment, they will be
acting as if they've been beaten by shaytaan. They've been beaten by shaytaan. And Allah subhanho wa
Taala says, There Lika be a Nahum Corlew in the Malbay or Mr. Riba. They said, Allah subhana says
that their their fate is this way. Why? Because they said that there is no difference, or eBay or
		

			business is like rebar. There's a difference. Bear in Tibet business and transaction is full of
risks. I make a business deal. It may it has risks, right? Yes or no? It's probably a good
investment, it's probably a bad investment. When it comes to riba it is not a risk, because you know
that I'm giving away money, but I'm putting hardship on someone else. To give me more money back,
there is no risk over there. Clearly, one is benefiting, and the other one is struggling, and the
other one is suffering. And this is why and one thing here to note is because these people, they
said, What's the difference? Oh Reba, bear is the same thing. It's about making money. So there was
		

			a difference, because of the fact that Allah create a distinction. But they did not want to create
distinction. And they said they both are alike, and they want to justify the wrong that they're
doing. This is what the world is that we live in how many Muslims who are involved in Riba, when you
talk to them, the Why are you involved in the Bible? Because see, when a person does haram, when a
person does wrong, the very first thing that comes to their mind is, let me get out of it. But when
they go so deep into it, they try to justify what they're doing wrong. So someone comes to them and
says, Why are you doing this? And they're like, what's the difference? You want to make money, I
		

			want to make money. This is how you make money. This is my style of making money here are saying,
but they don't realize that one is right and one is wrong, when they try to justify the wrongs that
they're doing. Allah is saying that this is why this is going to be their fate on the Day of
Judgment. So the lesson that we learned from this is in life, in every single matter of our deen,
when Allah says this is right, and this is wrong, we should always keep it right. And we should
always keep it wrong. Right is right, wrong is wrong. Today, if we ever find ourselves in a
situation where our gut instinct, our fitrah is telling us, this is wrong. But you say you don't
		

			want because I want to name for myself. I want to build something here. I want something in return.
I'm going to say it is absolutely right. And you justify Are you saying that something that is
wrong? And you say that is right. For those kinds of people, there is a severe torment in the
hereafter. Because when you know, see, one is that you're gentle about it. One is that there is
ignorance, you don't know that it's wrong, and you're still doing it, you're forgiven by Allah
subhanho wa taala. But one is what is you know, that is wrong. And then on top of that, you do it
more, you know, I think so in order to there's a saying, God or process you know, sorry, right, you
		

			know, it's like you do one thing wrong, but then you want to justify the wrongs that you're doing
right? It's like almost like a like a double crime, okay, you're doing two things wrong. So this is
why these kinds of people this is going to be their fate into hereafter now Allah says a Halawa will
be haram arriba. Allah has made business halal, he has made riba haram very clearly for men Jaya who
mo ala to me Robbie, Fanta, half Allah Who myself Allah saying that at the same time, Allah wants to
be fair to Allah saying when this Maori Law when this admonishing or this advice comes to one
someone, and they are involved in Riba, Fanta ha
		

			and they stay away from it. They stop what they're doing, fella who mess it up, then what they have
done in the past, they will not be held accountable for it. Okay? It's very clear, you did something
in the past but now you know you stay away from it. You won't be held accountable to that. Well I'm
going to hold it Allah and his affair is in the matters of is in the marriage of ALLAH SubhanA wa
Allah. But Allah says woman,
		

			even after knowing you still go to it woman either whoever turns to it again, for Allah equals
harbor now that they will be in the fire, Johanna homefree ha hottie dune and they will stay in
there eternally than Allah says yum Hakalau Reba, were your best of the court. Allah destroys
interest and gives increased to charities. What does that mean? Now someone can say that? Well, if
Allah is saying that Allah destroys the interest, you look at all these financial institutions, and
how rich they are, how rich they are, and everything is based off the interest system, or did the
Rebbe based system how is it that they're rich? Allah did not ever say that they will not become
		

			rich. You know, when you when you get involved in labor, you will probably get rich you will have
money to But Allah says young Huck, meaning what? That eventually down the road, it will destroy
them, they will be left with nothing. Yes, there will come a time they will have eventually they
will come at home, they will they will have nothing when you're beside the car. On the other hand,
when it comes to charity, you give charity, your pocket, your bank balance says that you only have
$100 but the calculator of Allah subhanho wa Taala says what that you have $200 You understand,
eventually that money will come to you. So in front of you, it may seem that you have less but Allah
		

			saying that it will increase on the Rebbe based system. It seems that you have a lot but Ross says
is going to decrease Allah than says well Allahu Allah you have bucola Katherina theme Allah does
not like don't like does not like every sinning disbeliever then Allah says in the Nadine manual,
while I'm going to solve the heart work almost Salah was Zeca la homage Roma and Robbie him What are
hoping it him when I said on those who believe in Allah and they do righteous deeds, they
established us a lot and they give there's a God. They're rewarded with Allah subhanho wa Taala and
Allah will there will be no fear upon them. And there will be no no, no fear and they will not give
		

			anything. Then Allah says yeah, you Hallerin Manu Ithaca law whether uma bhakti Amir riba enquanto
mumineen Oh, you people who believe fear Allah subhana wa Taala and give up what remains due to you
through interest, meaning for person is in a transaction of business, and they are currently
incurring interest. Allah saying that after you hear these kinds of ayat, whatever is about to come
to you leave it was a rumor back to me arriba encounter quantum money if you are believers, what
Allah subhanho wa Taala says over here is that first of all, when it comes to ayat of Allah, what we
need to do as a believer, when we hear the Ayat of Allah, that is it. We stop right there. The
		

			Sahaba of the Allah Dhanam This was their nature, they heard Allah and I will come down It is haram,
no questions asked. There was no questions Is that okay? You know what? I'm in a financial dealing
right now. Let me finish this transaction. Let me collect everything. After this inshallah I will
stay away from it. No, right now stop what you're doing. When the Sahaba had wine in their hands and
the herd, Allah subhanho wa Taala saying stay away from it. They dropped it. Now like, okay, you
don't want one more sip? No, it doesn't work like that. When Allah says it's done, it's done. Allah
subhanho wa Taala saying, and what do we need to learn is this, when it comes to Reba,
		

			I can get into a long discussion about this, but I'm gonna try to keep this short. When it comes to
our own home financial matters, too. There are going to be times where I want something so bad. But
I know that if I get into this, I'm going to get into the bar. I want something so bad, and I'm
gonna put it on my credit card. But I know that I'm not disciplined enough to pay off the credit
card on time. I know I'm going to fall into interest. I'm no I'm going to find your interest. Don't
buy it. If you truly believe in Allah subhanho wa Taala and now that people are going to come and
you know how many people they get, you know, they get approached with different you know, lucrative,
		

			you know, you know, chances and lucrative opportunities, but they know that if I get into this, I
will get into the bar, stay away from it. When you put your trust in Allah subhanaw taala This is
what Allah says in control meaning if you are a believer, I believe her poster Tawakkol in Allah
subhanho wa Taala a believer puts the reliance on Allah subhanho wa Taala you put your reliance on
Allah subhanaw taala Allah
		

			will take care of me in sha Allah. Don't test Allah subhanho wa Taala put your trust in Allah
subhana wa Taala a person gave sadaqa and Allah put Baraka in their wealth. Another person said, You
know what, let me try to do the same thing to let me give sadaqa and let me see if Allah subhanaw
taala gives you back and Allah never gave him back. He went to the other person and says, You give
and you receive, how come I give and I don't receive. The other person said I gave with token ALLAH
SubhanA wa Tala you gave to test ALLAH SubhanA wa Tada. There's a difference. Once you put your
trust in Allah, Allah will not let you down. If you're going to test Allah Who are we to test Allah
		

			subhanaw taala. Who are we to test Allah we cannot test Allah. So you we don't test Allah. We put
our trust in Allah and we move forward. Then Allah says, For Elam to follow
		

			then will be huddled in Allahu rasool Allah Subhana. Allah says, and if you do not then be informed
of a war they then be informed of a war against you from Allah and His Prophet sallallahu alayhi wa
sallam. Just think about this. I'm going to give you some perspective to help us understand this.
Imagine you are standing in the town of the province of Salem in a battlefield on the side of Abuja
Hall.
		

			That's where he was right. Abuja. He's sitting on standing on one side, he is declaring war against
Allah and prophets of Salaam. Think about being in a battlefield. The province is someone sitting on
one side, and you're on the opposite side declaring wars things like you're standing with the likes
of omega Ben huff and Abu jehlen. And these enemies of Allah subhanho wa taala. When a person is
involved in interest, that's exactly what they're doing. You're standing on the battlefield, and
you're declaring war against Allah.
		

			There is no way we come out on top of this, there is no way we come out on top. We declare war
against the Prophet salallahu alayhi wa sallam, people would die to be with the proscenium. We, on
the other hand, are declaring war standing against the poverty side of them with Abuja Hello Omiya
bin Khalifa and Abu Lahab and all these people that's exactly what we're doing. When a person gets
involved in libre, Allah then says for intubate tomb fella come Russo I'm welcome. If you repent
that you may have your principal meaning what if a person says I gave $100 away and I'm expecting
$150 back in return? So Allah then says it doesn't mean that you lose your money to the money that
		

			you gave you take the money back that you that you gave away and that's your principal amount and
that belongs to you. The rest of you leave it do not do not charge that person. Totally Munna Wallah
to the moon, you are not doing any wrong Wallah to the moon and you're not going to be wronged
either. On the other hand, rather than says we're in Canada will also attend What if the person that
you're lending money to they are in a financial difficulty, Allah says and if you find someone in
hardship, when cannot do all sudden, Fernando de la Tony La Mesa Allah sandland says, then let them
then the letter B a postponement or postpone D The Giving back or give the postpone the time when
		

			they have to give back the loan because of their difficulty. Allah says Well, I'm facade Doku hydro
Lakhan is as if you're giving charity when a person you when you have given a loan to someone, and
you say you have to give me back in five years, five years come you look at the person's situation,
you know, now see, there are some times there are times like when you give a person a loan. And in
five years, they come back to you they say, Oh, I'm so sorry, I haven't been able to collect the
money. But when you look at their life, they're going for vacation, they're buying a new car,
they're buying a new house, you know that there's something wrong here right? To to design out of
		

			the four here. But when you look at their situation, Allah saying what in Canada will also
		

			mean that if they're truly in difficulty, you look at the situation even after five years, and the
brother is struggling, he doesn't have a you know, he doesn't have proper food to eat, or he's
struggling when it comes through his home, he's able to pay for his home or he's able to pay for the
you know, the basic expenses for his family. Then Allah subhana wa Tada saying that that time if you
open up your heart and you give him more time is as if you give me a setback to this man until
Sadako hydralic of now, this means two things, either that if you postpone that time of giving back,
you are getting the reward of sadaqa every single day or number two is if you forgive it completely,
		

			and you give it out a sadaqa because if you forgive it, that it says telecall one for Sudoku, how
you let go, it is better for you. Now, this does not mean first of all, is the person who has lended
the money he should not feel come under pressure that Allah is saying that I have to forgive him.
No, that's not what I was saying. And the person who has
		

			Taking the loan should I use these kinds of is that you know what you should forgive because Allah
says to forgive, that's not there has to be a balance there has to be fairness. So Allah say, let me
hear that. First of all, if you see the man struggling, give him more time. And at the same time, if
you forgive him, you'll get a such an amazing reward to Allah from Allah subhanho wa taala. But if
you don't demand it, you still want it, but you don't demand on that same day you give him more time
for every single day that you have given in time, you get the reward of a southpaw, too. So this is
how money works in the Muslim community. So inshallah we'll go in and stop right here. The next idea
		

			or not the next I after the next idea is the longest idea of the Quran is long as I have the Quran,
it also begins with Yeah, you live in Avenue and it talks about taking a loan from someone, when
taking a loan from someone, what are the adda? What are the etiquette and so forth inshallah. So we
will run through that inshallah next week as Allah subhanho wa Taala to give us the ability to put
Baraka in our, in our wealth, we ask Allah subhana wa Taala to keep us away from riba to keep to
keep us if we ever fall into the bar, we ask Allah subhana wa to take us out from riba to give us
ability to repent if we have ever done anything wrong. And we ask Allah subhana wa Taala that he
		

			never puts in a situation that we are where we are dependent on others. We asked Allah subhanho wa
Taala to always make us dependent only and only on him robola Amin, amin, Oberon, Amin, Zack Kamala
Harris Subhana Allah who naturally will enter that stuff. We're going to be Lake Zach in Lafayette.
Somebody's going to love you bro cattle