Salem Al Amry – Lesson 17 Weekly Class Virtues of Islam
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AI: Transcript ©
And sisters.
Welcome to our weekly of
virtues of Islam. This is lesson number 17.
Lesson number 17
with our honorable sheikh Sheikh Salim Al Amrit.
I will pass the mic and the screen
to the sheikh, and the chef can begin.
My dear brothers and sisters in Islam,
today is our weekly class for God in
Islam,
the virtues of Islam.
This beautiful deen
that we are Muslims.
This deen, my dear brothers and sisters,
is the solution
for all our problems.
All our problems.
All the problems of mankind,
all the problems of humanity.
The solution is
to accept this deed
because it addresses
all our
problems.
And among one of the problems, which is
really
universal,
is the problem of rebar.
And before we dive into this topic, my
dear brothers and sisters,
we have to keep in mind that
Allah
the creator, he knows
what's good for us and what is not.
Because we are his make.
He made us.
And he
sent down
the revelation,
this divine guidance.
If we follow this divine guidance,
then we'll be on the right path.
We'll
have happy,
successful
life in this world
and
in the next life.
So river
is this
it's a chronicle problem.
It's the problem
of the economy.
It is a problem of economy.
People are suffering.
Poor countries
are suffering.
Their resources are looted and depleted.
They are borrowing and taking loans
from
the banks
or the the IMF or others,
and they cannot
pay the
the the
settle their,
their loans and pay their loans on time.
So
the counter started compound interest.
And many
countries
are totally they are totally immersed in debt
because of because of river.
River,
where the rich, they suck the blood of
the poor.
They are like vampires.
I will lend you money
with this amount of rebar.
And if you don't pay on time,
it will the rate will be different.
Okay.
Now 5%, it will be 10%, then it
will be 20%,
and the counter is long on counting.
So Islam came with the solution,
and what happened to this riba,
this curse,
exploiting the need of the needy.
So the rich, they become richer, and the
poor, they get poorer.
And the money lenders
are the ones
who
are
increasing their fortune and their
wealth.
So the root cause
of all these
recessions,
all these
crisis
is.
The
economists, they are saying,
when the interest rate becomes 0,
then this problem
will be overcome.
Interest rate equals 0 means no rebar,
but they don't want to say that. That's
what Swami is saying.
So Islam prohibits the root cause of the
problem, which is dariba.
So listen to what Allah says.
So Allah
Surah number 2 from ayah 275
to 76.
Those who consume
interest, usually,
cannot stand on the day of resurrection,
except as one stands
who's being beaten by Satan
into sanity.
That's because they say trade is just like,
which
they call it interest.
But Allah has permitted trade and has forbidden
the usury or the rebar.
So whoever has received an admonition from his
lord
and desist
slaves
may
have what is past,
and his affair rests with the law.
But whoever returns to dealing in interest
or usury,
those are the companions of the fire. They
will abide
eternally there, and let us reflect on this
beautiful eye.
First of all, riba, what does it mean?
The root,
means
to increase,
twice.
K?
That's why
if there is
a land which is high, it's called Rabua.
Helek is called Rabwa.
K. So there's a place high, it's called
Rabwa in Arabic.
So river, it is something your price
increased
because you increase your money through the this
dirty
transaction
where you exploit the need
of the
poor.
So Allah says,
those who consume
and eat.
River?
Subhanallah, the prophet with the night of the
Mi'raj, he said he saw the moneylenders,
those who give riba and then
eat the the riba,
lend money,
then take the usury and
suck the blood of the people. He shows
them swimming in rivers of blood
in blood
because they are sucking the blood of the
people.
So those who eat and consume the river.
What will happen to them on the day
of resurrection
when the people are resurrected
and come out from their graves?
K?
Cannot stand on that day
except
The way they will get up and stand
is like one
who has been
possessed by a demon
possessed by a demon,
except as one who stands who's being beaten
by Satan into insanity.
So a person who's possessed by a demon
is unconscious
and balanced.
Like someone was possessed by a demon.
And this is the clear
proof
that
the jinn and the demons, they enter
human body.
So why
the money lender
and the banks
and the managers of the banks and those
who
deal with rebar and
eat rebar.
They will, on that day,
look like a person who is
powered
and overpowered,
hired demon,
one who is possessed.
Allah gave the reason
why
that will be the punishment. Why?
That is because they say,
trade is like river.
Trade,
business, commerce,
buying and selling
is like river,
which is a lie
which is a lie.
You have to keep in mind, my dear
brothers and sisters, what generates
profit
and wealth
is work.
Work.
The money has to be used.
Money doesn't yield money.
The work
produces that
wealth and money. Work.
So the money has to be used
in projects,
in business,
where the community will benefit.
Okay.
You buy this land, and then you cultivate
it, and you plant it, and so you
recruit
people
so the community benefit.
But if you are crossing your legs and
sitting
and you just lend the money
and the people, they have to give you
the money, the capital,
and more on top of it.
So who's suffering?
The borrower.
The one who borrows is the one who
suffers.
And the money lender,
he is sitting idle,
and
he is
taking the rebar.
Whereas
in the business, the mayor, the trade, the
commerce,
that money is used,
utilized
in projects.
So the people benefit
from that money and that wealth,
and, of course, the investor himself as well.
So it is win win. Everyone
benefits.
The community, the society benefit,
and, of course, the honor of
the the money,
the businessman, the investor himself.
So to equate and say, trade
is like river, it is a lie.
It's not true.
Trade
generates money. Yes?
And that is halal
because there is work. The money is used.
Whereas the river,
it is the money generates money. That's it.
No work.
You lend money, and you get money more.
So unless that's why Allah will punish them,
and the day of of resurrection
when they
are
resurrected,
they will be like a person who is
powered and who is possessed by demons.
So that's
why
Allah
said,
That's because they say
trade is just like
interest.
Then Allah say,
What the law has permitted,
make it lawful, legal,
permissible.
But Allah has permitted trade,
commerce,
business,
and has forbidden
usually
the rebar interest.
They're not the same.
Trade
is
lawful,
recommended,
encouraged
that you should do it.
You should not keep your money,
okay,
in
your safe
even if you are not dealing with river.
Because what will happen to this money, it
will reduce because the zakah.
You have to give them.
So that's why the money has to be
circulated,
has to be used,
in something material,
tangible projects.
So it will
generate profit for you,
and the people will benefit from this money
that you are keeping
with you,
even if you are not taking interest.
So the money has to be used
and moved and circulated.
That's why Allah is saying
said, Then Allah warns
those who deal with
So whoever has received an admonition,
Allah reminded him
from his lord,
and he quits and the
may
have what is passed.
What happened in the past, what he got
the things from Reba in the past
before he knew it is Haram,
he might have that.
And his affair rest with Allah.
But whoever returns
to deal
in interest
transactions,
based transaction,
after he has received the admonition,
and he became aware
But whoever returns
to dealing with the river, those are the
companions
of the fire.
They will be in
They will abide eternally
their end.
They will stay in the hellfire.
Khali Dhun
here doesn't mean that they will remain forever.
K.
They will
remain
the Muslims. We are talking about the Muslims
who deal with Rifa.
Kufa who deal with Rifa forever,
eternally.
And as you know, the real pioneers
and the
leading figures in Riba, they are known, the
money lenders. They are known.
Yeah. You would tell they are not Muslims.
But if a Muslim deals with regard,
will he stay in the hellfire forever?
The house or no?
He will be punished
for his sin,
then
all the sinners will come out
from the hellfire.
Only the disbelievers will remain in the hellfire.
K?
Because the ones because taking reba is Kabira,
is one of the major
sins
and one of the 7 destroyers, Sabir ibn
Mubad.
But this doesn't take a person out of
the fold of Islam.
K. You have to keep that in mind
as well.
So the
means to stay for a long period of
time, not forever.
For what remain in the in the hellfire
forever are the
the kuffar,
whether they are dealing with or not.
Then the ayah to follow ayah 276,
Allah says.
Allah destroys
Riba,
Usiri,
the interest. Allah destroys it
and gives increase
for charities.
And Allah does not like
every silly
disbeliever.
So there's no barakah,
a river.
Allah destroys the river
and makes that business which is based on
river, void of any blessing,
and you can become
bankrupt
and broke overnight.
Overnight.
This is the curse of the rebar.
The Islamic banks
were not
affected
by the recession
or the
the country
because they are far away from river.
So the river,
Yam
Haqq, destroys.
Yam Haqq, Allah
destroys the river,
and the river destroys your business,
destroys
your life.
It's a curse
because you are in war. When you deal
with riba,
you are in war with Allah.
So naturally, there will not be there any
barakah. No blessing from Allah.
So my dear brothers and sisters,
anyone,
I hope none of you, if anyone deals
with the rebar, put immediately
and repent and turn to Allah.
Immediately leave the rebar.
Because
you are
in war with Allah. Allah wages war against
these those who deal with
river.
Allah destroys
the river
and gives increase for sadaqa, for charities.
If you give sadaqa,
your business will boom.
Yes.
Because sadaqa
in your business,
and your business will boom and increase.
And Allah does not love and does not
like
every disbeliever
who is
sinning and disobeying Allah.
Also, Allah says in Surat Al Imran,
aya 130.
Oh, you
who have believed, do not consume usually
doubled, and multiplied,
but fear Allah
that you may be successful.
Let me
digress a bit here.
There's something called
in
Arabic,
which means
an the adjective
talks about a specific
case,
and it gives specific meaning.
It describes the current situation.
It describes the current situation.
For example,
Allah says
regarding
the
stepdaughters,
which called Rabiba.
You marry a woman and you have the
daughter
from
her previous
husband.
This is called.
Those
stepdaughters
who normally normally
the is the lab.
So if this girl is small,
normally, her father, stepfather will put her in
his lab.
So is this now
your stepdaughter
who are
under the roof where you live,
under your custody.
Does it mean
if the stepdaughter
is not under your custody and not living
with you under the same roof,
it is halal for you to marry her
though
you already
married her mother?
The answer, of course not.
This is.
So this description,
this specific description
or adjective
is only to describe a situation with the
normally, that how the girl will be
with her mother
living under the same roof with her stepfather.
It doesn't mean
it is a condition.
It could it's a it's not a condition
that if she is under the roof
where you live and under your custody
and you are the custodian,
then you should not marry her. If she
is with her father
and not living with you,
then
you can marry her
because the condition only
if he is living with you.
If she's outside,
then you can marry her.
But that is not the case. It's not
the condition.
It is just a pure description
mentioning
what normally happens
that the stepdaughter
will be with her stepfather,
comes
with her mother,
and lives under the same roof
with her stepfather.
So similarly here,
it's not a condition.
Doubled and multiplied.
Because some they say, oh, the Quran says,
if it is doubled and multiplied, it is
haram.
But it is not less than double, it's
okay.
No.
Like that one.
Just have daughters who are living with you.
K?
So here Allah
is just describing
the situation that normally this is what they
used to do.
They take double and take more than double.
Twice, three times,
just describing
the situation
as it was.
It's not a condition that if it is
doubled
and tripled, it is haram. Less than that,
it is haram. No. No.
No one can understand it
in that way.
That's why my dear brothers and sisters,
I repeat,
without
knowing Arabic, you will make blunders, and you
will not understand the deed.
The usury or usury
which was that's how they used to charge,
doubled and multiplied.
But Allah
Allah
that you may be successful.
Then Allah says,
Oh, you have believed,
oh, you who have believed.
Fear Allah
and give up what remains
due to you of the river,
your city, interest.
If you should be believers.
If you do not, then be aware of
war
a war with Allah and his messenger.
But if you repent, you may retain your
principle
your principle
neither inflicting
nor suffering
harm.
Let us reflect.
Oh, you who believe.
And leave and quit
immediately.
Give up.
The river that you charge,
what remains,
for you,
a riba,
leave it if
you are
believers.
If you don't want to quit the riba,
if you don't want to give up the
riva,
then Allah says, get yourself ready
for a war with me
a war with me.
K. So Allah is threatening here.
If you do not, which means if you
do not desist, if you do not do
not quit the rebar,
then we'll be
Then be
beware
of war with Allah and his messenger.
And see the Muslim countries today, they are
in war with Allah because they are dealing
with
dealing with.
But if you repent,
you may have
return
and keep the principle,
the real amount of money you started with,
not the rebar.
That of the moon, well, out of the
moon. You will be neither neither
lose and suffer,
neither inflecting,
you will never be wronged,
and you should not wrong also others,
neither inflecting nor suffering
harm.
And in the Hadith,
so Allah
in the Quran. You heard that. Yeah?
And in the sunnah of the
the
curse those who deal with the river.
Narrated that Allah's messenger cursed
the one who accepted,
the one who consumed it, the one who
eats it,
the one who paid it.
K.
So the one who
the money lender, the bank,
The manager of the bank who gave you
the loan
is cursed by Allah.
The borrower, the one who borrowed the money,
the one who paid it
with the interest.
The,
clerk, the writer,
the one who
wrote the contract
is cursed
because he is the one
helping them.
He's drafting the agreement.
The writer,
Wakativahu,
the one who recorded it,
and he calculated
how many years
you've take the loan, and he's punching in
his calculator.
Oh, the interest rate with the amount will
be with this interest rate this month.
Okay. Wait.
Wait until the day of resurrection.
Where you will be
exposed.
Everyone will
recognize you that you are using and dealing
with regard.
The one who recorded it.
The 2 witnesses to it.
Okay. The bank asked you,
bring me witnesses.
K. Sponsors.
Okay.
And the 2 witnesses to it.
Said, they are
they were all alike. The same.
All received the same punishment.
Same punishment.
They were all alike.
The same.
Because all of them are committing the same
sin.
So these are the ones that Allah cursed
through his prophet.
The money lender,
the borrower,
the writer, the recorder, the one who recorded
it,
the witnesses,
those who sponsored you, those who say we.
If something happened,
We are accountable. We are responsible.
And even the Musa'ud of the Allahu Anhu.
So the hadith the previous hadith in Muslim.
And this hadith is also of Sahih Muslim.
And who reproach it, the messenger
of
Allah because the one who accepts the
and the one who pays
Tell me the added
and the
one who records it
and the two persons who stand witness to
it.
Types of Riba.
The types of Riba.
The riba at the time of the past,
there were 2 types
of riba.
Means delay,
postponement.
I yell the same thing.
What does it mean?
That the money lender
will
charge
you
additional amount, will add
more
amount
as the price of the time
period.
When you are going to give me
my money back,
2 years,
this much you have to pay.
3 years, this much. 5 years, this much.
So that amount which he charges you, the
money lender,
the bank,
or the money lender on those days
bank is a money lender, actually.
What this is how the
they work.
Take my money, give it to you,
and he takes
the river.
And then he gives you
imagine today,
if all the depositors,
those who
put their money in the bank,
if all of them,
all of a sudden,
say, we want to withdraw
our money withdraw our money.
It cannot because
the bank will collapse immediately.
Even if the bank every minute and second,
you're he's using your money,
using it.
Let's say your salary
every month,
your salary
goes to the bank,
and you receive a message,
SMS,
from your company.
We have deposited this amount of money
into your account. Today, your salary is there
already.
Go to the bank and try to withdraw
it.
Come tomorrow.
Not today.
Because they use it.
They use your money.
That's how the banks work.
So this is or
where the money lender
will take more amount, extra amount,
charge you
because of the duration.
The money lender will wait.
So you will
settle your debt and pay back
the
the loan
with
the on top of it.
So this is called
or
And this is, of course,
because, basically,
you are exploiting and using my need.
And I'm in need.
I am in
need.
So I borrow the money from you, and
this what you do to me.
And this what happens to the countries, poor
countries countries, and the what they call them
the third world countries.
K? That's what happens to them.
The second type of riba
is called riba alfabul.
Fabul means
surplus,
additional
amount.
So this ribald fable, it is actually
exchanging
the same merchandise,
the same product
with different in different quantities.
K? In different quantities. So this product to
this product is the same product,
but
the amount will be different.
One
kilo
does materialize
for 2 kilos of another type of rice.
One kilo of this barley
with 2 kilos of another type of barley
or wheat.
K. So this is another type of riba,
and this what the hadith
that we are going to read now talks
about.
And I read them the Psalmist of the
Allahu Anhu.
So this
is Ribal al Fazal
that
the same
project,
same item,
but
different amounts quantities.
And
Muslim.
Of the said
that the prophet
said,
gold is to be paid for
gold,
Silver by silver,
gold for gold,
gold by gold,
gold by gold,
silver by silver, wheat by wheat, value by
barley,
dates by dates, and salt by salt,
like for like,
and equal for equal.
Payment being made on the spot.
Yet we had had had like
this.
How,
Give and take.
If these classes
differ,
sell as you wish if payment is made
on the spot.
Let us reflect.
So if I want to exchange gold with
gold,
okay,
it has to be the same.
One kilo for 1 kilo. 10 gram for
10 gram.
Gold for gold. Hand in hand.
Immediately.
You cannot start the transaction.
For example, I say, okay. I'll buy this
with the gold for me. I'll go to
the card to bring the money. No.
It's haram.
Immediately,
hand in hand,
give and
take. Women, what many women they do,
they fall into this haram transaction.
She has old set of gold.
She goes to the jeweler
and says, I will give you this old
set and take this a new set.
Said, okay.
She said, okay. Take this. I'll take this
one,
and I will pay you the difference.
That is haram. That is riba.
That is riba.
You cannot do that.
What should you do?
You have to separate the transactions.
Sell the old gold first.
I have this all set.
Are you willing to buy it? Yes.
How much this amount? Okay.
Take it.
That is take the money now.
So that deal transaction finished.
How much is that set of gold?
Now another transaction,
and you buy it. But to say take
this, I'll take this and pay the difference,
that is the rebar.
Keep this in mind.
So gold,
buy gold.
Hand in hand,
and the payment on the spot immediately.
Silver for silver.
Means wheat,
wheat for wheat.
Well, this quantity or this quality of wheat
is different.
Doesn't matter.
It has to be equal.
Otherwise,
sell
the bad quantity
or the less quality
for in in several transaction,
sell it, take the price, then buy
the good quality
wheat.
But to stay in the same commodity,
the same product, that is river.
River.
Wheat for wheat.
Date by date.
We know that there are different quant qualities.
If you want, separate.
But to say,
I'll give you 2 1 kilo of this
by and give you 2 kilos of that.
I'll take 1 kilo of this, I'll give
you 2 kilos. No. That is the rebar.
Equal. Like for like.
Same amount,
equal for equal.
Give and take,
hand to hand,
Then
the law giver
gave us a leeway
a leeway,
room.
Beyidakhtalafat
al Asana,
If these classes differ,
okay, classes differ,
they're not the same. It's not gold by
gold.
Gold by something else.
That's fine. Silver
by something else. That's fine.
Wheat by something else. Valley by something.
If it is different,
if these classes
differ,
for example,
gold, I want to buy from you steel.
One ton of steel or 2 tons of
steel. I'll give you this amount of gold.
That's fine. It's not a river.
This I I'll buy this
cement from you.
K. Fine. I'll pay you in silver.
Fine.
Or I'll give you barley. I'll give you
wheat. Fine.
If these classes
differ,
Sell as you wish.
But there is a condition.
Either can,
yet, and yet.
Sell as you wish if payment is made
on the spot,
hand to hand.
Give and take.
Give and
take. Then it's okay,
that case.
So the rebound, my dear brothers and sisters,
is a curse,
and Islam
gives the solution,
gives it the solution.
International banks in your country, what they do?
They are sucking your money.
They lend to the borrowers,
and they are taking more.
So they are they weaken your economy
because of river.
If there's no river
in your country,
what will happen to
these foreigner
foreign investors, the bankers?
What will happen to them?
They know
they cannot lend money and get money.
So the only way for them,
the only way to invest in my country
is through
business,
projects,
open factories,
manufacture
materials,
make cars.
This is how they will invest.
So in that case, the money will be
circulated.
The
community, the society,
people will work because you will need manpower.
So both then it would be win win.
The investor will win, and that is halal,
trade, business.
But if they are
just
lending money and taking
interest,
they
play with their economy.
So the river is a curse.
Indeed, it is a curse,
and it has many dreadful
consequences and effects
on the community.
So the
negative
effect of rebate based systems
banks
in the society
as follow.
Just as examples.
Now
as we
know now that the bank, they just
gives you,
lends you money, and takes more.
That's it.
And he takes my money and gives it
to you.
So now I am a businessman,
and I need to make a project. I
need to I
I want
to import,
commodities and merchandise
to the country, and then I need cash.
I don't have cash.
So
I go to the bank, say, okay. Fine.
But
this will be the interest rate.
Fine.
So you take this money and you use
it.
As a businessman,
you will you don't want to lose, you
want to make profit.
And you
know, when you
on this particular date, you have to give
this amount the money back and with this
amount of labor.
So what the businessmen
do? They add
the cost additional cost
of river,
the that the amount that has been added,
they add it on the price of the
their products.
So they yank
the prices
of the merchandise,
the commodities,
okay, to compensate and to
be able to
give the bank their,
the interest,
and also to make profit.
Imagine there's no rebar.
He will have a small margin of profit,
and the community will be
sold at reasonable
prices. But now
he's on profit, what he wants to make,
and
the river,
he wants to also
add
that value to the
price of the merchandise.
So who will pay for that?
The common man.
The customer.
The client.
So the community is suffering.
The people are suffering
because of this curse of rebar.
So the bank gave rebar
to the businessman,
to the trader, and the trader is adding
that additional amount which is charged,
add that value to the price and the
value of the commodity.
So the prices of the commodity, they go
up.
And the people, they suffer.
This is because of the river.
That is one scenario.
2nd scenario,
when there is
recession when there is a recession,
like,
nowadays.
Don't you see?
The administration is all over.
People are become
without jobs.
So there is a recession.
The business owner,
k,
because there's no business to
make money,
so he wants to minimize his cost
and the expenditures.
So what does he do, the owner?
Reduces the manpower.
K?
This you are redundant. You are redundant. You
are not needed
Because I cannot
make the factory full production.
Nobody buys anything.
So I will reduce the production to a
minimum. So I don't need this
this number of people to work in my
factory.
I will close many of the
production lines
I
could use
only few lines to to keep working.
So I don't need this number of people,
so you become redundant.
Okay.
Because
this is the curse of because
he has commitment. He has to give back
the bank,
and he cannot
manage
when there's no business,
when there's a recession.
So he has to reduce the manpower
and fire many of the employers
the employees.
So what that leads to,
The rate of the unemployment
rises.
People, they don't have jobs.
How will they eat?
They have
families. See the problem?
It affects
the entire nation,
the river.
Also, this leads
to another
it had
another
evil fruit
which comes because of riba.
The people
who
buy or run the business,
who have
factories,
So they import the raw material.
K.
So now they force the producers
of the raw materials
to drop their prices.
They
there's no business.
So please, if you want us,
now they start exploiting the need
of these poor countries
who export their raw materials.
So they
buy the raw material
at low price.
So the producers of the
raw materials,
the exporters
are forced to sell their products
at low prices
at low prices,
which, of course,
inevitably
will lead to the depletion
of the natural resources of the poor
countries. That's why you are wondering
why my country has famine
when we have miles of diamond.
Mines of gold,
and we have famine.
And people live under the
poverty
line. This what happens.
They loot the resources of your country.
They buy
your resources
at law. Right?
And those who are in power, they are
fine,
but that's what they get,
and the people are dying.
So my dear brothers and sisters,
Riva is a curse,
and Islam is the solution.
And people
willingly
or unwillingly,
they will come to discover this fact,
and they have to
quit and leave dealing with rebar.
Then humanity will be alright.
We'll have a a relief.
May
Allah
remain
steadfast in this beautiful day.
May Allah increase our knowledge in knowing our
Islam.
May Allah grant us the beneficial knowledge
in the righteous.
May Allah forgive us all faults and mistakes
and ignorance.
And may Allah
reward you, my dear brothers and sisters, immensely,
for your patience and attendance.
May Allah unite our
and unite our hearts.
Brothers
and sisters, we will now
start the question and answers time.
Please send in your questions fast if you
have a question.
And as always, you may ask questions directly,
which we prefer,
by raising your hands on the chat section
or on the Zoom, and we will take
your questions directly.
You can, of course, always send in your
message written as well. We have received some
already, which we will begin with.
Okay.
The first question.
Assalamu alikum Sheikh. May Allah preserve you and
raise your ranks in Jannah.
I would appreciate if you can answer these
two questions.
Number 1,
if someone is not an expert or well
versed in financial matters
just as a lay person,
Can he trust a halal mortgage to purchase
a house
offered by an Islamic bank if they say
that they have scholars
who have certified it as halal?
Mortgage is halal. It's not halal.
K.
And
many of these schemes
who they say that we have
board of scholars who check.
When you check thoroughly
and scrutinize,
yes, you find what is written
on the on the paper
is compliant to the sharia,
but what is executed, what is applied, what
is implemented is totally different.
It's totally
different.
So this is a fact. This is the
reality.
So as a layman,
if you don't have cash to buy your
own house,
carry on
renting.
Don't buy
house through the mortgage. Don't do that
because
is a curse.
So avoid it, and it's not a necessity.
It's not a necessity to have your own
house.
If you have a shelter you live under,
if you have a roof you live under,
you have house,
right, leasing, renting, that's okay.
Not necessarily
should have it and own it.
So
don't deal with the river, whatsoever.
If you want a lot to be
on the safe side, and you want
to be delivered on the day of resurrection.
So don't deal with
and leave the mortgage.
Next question.
The next question, Sheikh. Are we allowed to
get a pet insurance for our cat,
which will cover maternity fees and medical emergencies
when the cat falls ill or get
injured.
No. Insurance is.
Whether it is on animals, whether it is
on
on human life, that is.
Even the insurance car insurance is halal, but
it because
you you are forced to do it.
Otherwise, you'll not be able to drive your
car.
So it is something beyond your control.
But to have life insurance, it's
up to you.
So life insurance, whether it is a human
beings or animals, whatever.
Next question. We go we go to the
next question. Kasumba Zubay, please unmute your mic.
Assalamu alaikum.
It's my pleasure to hear from you. I
love you, Sheikh.
I love you for Allah's sake.
I mean, Sheikh, my quest my question,
it's about rebar.
Because someone told us
the blame
the blame in the Quran is is on
the consumer,
on the one who takes it. So the
one who gives it,
he is not mentioned
anywhere in the Quran.
So is that true?
Yes. Okay. So so the
so he's saying that the one who gives
the rebah,
is not accountable. Right?
Yes.
So the
the one who who reaps the benefit,
he
will go to Jannah.
And the one who is in need
That's how that
you understand?
The one who is making
money according to his understanding, he'll go to
because
he's not the the culprit.
The culprit is the one who is in
need
and ask for the loan. Right?
Yes.
What logic is this? Is this fair?
You are
exploiting my need.
You are sucking my blood,
and you have no other option.
I need to
my wife has to do
an operation or my child has to do
an operation, and no one is giving me
a good deal loan.
And you have no mercy in your heart.
So circumstances
compelled me to take this loan from you.
So on top of my misery and my
suffering,
I am blamed.
I'll be punished, and you,
you'll escape.
What logic is this?
That's number 1. Number 2,
the Sunnah explains the Quran, and the made
it very clear.
In the hadith you have heard,
unless you reject the Sunnah, and if you
reject the Sunnah, you are not a Muslim.
And if you say,
I only take the Quran,
not the Sunnah,
then you will not be able to worship
Allah only by the Quran.
Teach me how to pray from the Quran.
Teach me.
Teach me how to give my Zakah. Teach
me from the Quran only.
That's why the Sunnah explains the Quran,
and Allah called the Sunnah dikr.
And you have sent down the
so
that you can explain to them what has
been sent down to them, which is the
Quran.
And Allah says
whatever the prophet
gives you, take it.
Whatever he forbids you, abstain from it. So
we cannot say
we don't accept the Sunnah. Anyone who rejects
the Sunnah is not a Muslim,
because the Sunnah explains, and it is.
The prophet doesn't speak out of his own
desire.
He's inspired by Allah
Is this clear to you,
I think the Sumba's just gone offline,
but it should be clear.
We go to the next question.
Yeah. The next question.
How can a Muslim know if they acted
upon a Kufr thought?
How can a Muslim know if he acted
on a kufr thought?
Yes, sir.
What is the thought?
So that we know whether it is kufr
or not.
So what is the thought that he acted
upon?
Anyway, many people, they have this
they they are in state of this paranoia,
fear.
Maybe this is, maybe this is,
and things are not like that.
Halal is clear. Haram is clear,
and there is a gray matter.
So this gray area, doubtful matters, leave them.
And before you do anything,
whether it is active worship or it is
a transaction,
whatever, ask
so that you know what you do is
correct.
It is in line with what Allah says.
Ask.
As Allah said, first,
ask the people of when you don't know.
So the question, to be honest, is vague
and it's not clear to
me. So the
questioner
has a particular
case, he can
rephrase his question.
Is this clear?
Next question.
Is it permissible to get a free stocking,
a type of sock
filled with gifts from a non Muslim store.
A sock? You mean sock full of
things inside?
Yes, Sheikh.
Is it it's been given to them for
free?
Is it permissible to take it?
Why? This is,
I think there is not Christmas time. They
give this in Christmas time? Yes. Sheikh. Normally,
it is, given in Christmas time. Okay. Don't
take it.
Next.
Okay. Next question.
My question is, I have agreed to allow
someone to stay or rent my apartment
while I am away.
I don't know the person very well.
I was introduced to her through a third
party.
She seems to be nice.
However,
I now have someone else who's interested,
and I know her very well and trust
her 100%.
Will I be sinning if I reject the
first offer with the belief the second offer
is more suitable due to the relationship we
have and also knowing her too?
Okay. Have you,
written or,
signed the lease agreement or the rent agreement?
No. The contract
or not yet?
Question now if you can respond to that
because it is because it is very important.
So if if if already you gave your
word or at least commitment that okay,
I will,
rent the flag to you.
Then a Muslim has to maintain his words.
No.
No.
But if there's no commitment,
okay, so you choose the best,
the best one
the best one.
And the last. Next question.
I'm very clear, Sheikh. Next question. Taking a
cup of wheat or rice for the same
cup of milk, is that?
Milk with the milk with wheat?
Yeah. So taking a cup of wheat
or rice
for the same cup of milk is that
rebar. No. That's rebar because now the classes
are different.
K.
That's why I can't
buy 1 ton wheat,
sell it, give you, and take 1 ton
of cotton.
It's okay.
Or steel, whatever.
So when the classes are different, then it's
not river.
I hope this is clear to the questioner.
I like to clear Sheikh next question.
Here, there is a brother who finds hesitation
on haram like,
and he's proud of it. And when they
talk to him, he claims that he'll perform
Hajj, and all his sins will be forgiven.
What is the ruling on such a person?
Such a person
has to
be warned
and reprimanded,
And tell him you are really
on a risky path,
and you are treating Allah's sin the sins
lightly.
So if you
treat the sins lightly
and you commit them indifferently,
okay, then you are in a bad shape.
Very dangerous.
So the shaytan is playing with your mind
and misleading you.
What guarantee do you have that you will
live until you met Hajj?
You have a guarantee?
That's number 1. Number 2, you are saying
that you carry you will carry on do
the haram
as if you are saying that it is
halal, and this is very dangerous.
K. I will enjoy it and
do it, and then
that means you don't respect Allah. You have
no fear of Allah in your heart.
So if a person commits a sin out
of weakness
and he knows it is haram, then he
repents and say, oh, Allah, forgive me.
Even if he
relapses
and committed it again.
But to say you are adamant
and determined that I will continue
enjoying it, committing haram,
and later on,
I will repent.
And be from Hajj, and my sins will
be forgiven.
This is really
person
is totally in the grip of the and
he is
in a bad shape.
May Allah guide him, and he should repent
and quit sinning.
I mean,
next question, please.
The next question, Sheikh.
What are the
types, and can it be handled?
The the Morabaha,
it is
permissible
in Islam.
It is permissible in a slot.
And
providing that
the
agreement is clear
and the
the the percentages
of the
which you will be giving to both parties
are clear
and providing that the business the nature of
the business is halal,
then it is principle.
The and the
as well.
Next.
The next question, Sheikh.
My
question.
Do the still exist in our time?
The answer, as thoughts
as a thought, yes.
And many people, they hold that thought. But
as a sect and group
who are known by the Marthezila, they don't
exist. But as individuals
who,
try to revive the heritage of the Martyrs'
lives
and
the,
and say the the intellect
is more important than the text,
and they give preference to the intellect over
the text.
There are people like that, yes,
as individuals.
Next.
Next question, Sheikh.
At what point should we say Allahu Akbar
when rising from the 2nd Sajdah
between the first and second rakah?
Is it while sitting or while standing?
When you are going up, you mean?
Yes, sir.
When you
say?
Yeah. So at what point would you say
that is it while the person is, the,
the person is sitting or standing? The moment
you start to lie, rising, you say. So
I'm getting up.
Not necessary
wait until
I am standing.
From the moment I start getting up, I
say Allah.
Next.
Next question.
In the masjid where I prayed Jummah last
week, Friday,
I noticed that those that sat inside the
Masjid were facing the qibla
properly.
But those that prayed outside were slightly deflected
away from facing the qibla
due to the mistake in the arrangement
of the praying mats.
Is their prayer
of is the prayer of those that prayed
outside valid?
Inshallah, the prayer is valid, especially if the
the it is few degrees. That's okay.
Next.
Because the said between the east and the
west is a.
Next.
Sheikh, the person who asked the question regarding
renting
her accommodation or flat,
and the second person has come and she
believes the second one to be more suitable
for her.
And you asked Sheikh if, she had agreed
or not. She's saying that she has verbally
agreed.
Then, fulfill your, and maintain your promise.
No.
Maintain your Okay.
Your word.
You committed yourself to accept,
then
no problem.
Stay to that because it gave you a
word to the to the,
to the first one who wanted to rent
this flat.
So
fulfill your promise.
Next.
Nam, Sheikh. So that is very clear.
With regards to the agreement, whether verbal or
written, the agreement was made, so you should
fulfill your promise.
Sheikh, that was our final question.
If you'd like to conclude.
For your patience and attendance.
Raise your ranks
and keep us remain steadfast and this beautiful.
And forgive our faults and sins.
Amen. And may Allah
unite our
and may Allah bless our.
Amen.
To a meeting
in the coming
session. I leave you in Allah's company.