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Taleem al-Quran 2010 – Juz 03 – L037B

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Taimiyyah Zubair

Channel: Taimiyyah Zubair

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Episode Notes

Al-Baqarah 275-281 Word-Analysis and Tafsir 275-281

Episode Transcript

© No part of this transcript may be copied or referenced or transmitted in any way whatsoever. Transcripts are auto-generated and thus will be be inaccurate. We are working on a system to allow volunteers to edit transcripts in a controlled system.


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I was a bit lame in a ship.

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That's the number 37 sort of bacara i a 275. To 281.

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In the previous verses, we have learned about spending in the way of Allah,

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the reward for it, the benefit of giving sadaqa in the dunya, and they are hero. And we have also learned that Allah Subhana, Allah wants the believers to develop the character, the habit of giving, of sharing of well wishes.

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In the following verses that we will study, we will learn about river

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river, his interest

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and taking interest benefiting from the hardship of the other is something that is completely opposite to that of infoq.

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Because river is a profit that a person gains over what he has lent to the other.

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Now person cannot afford something on his own anyway, which is why he has come to you to borrow some money from you. And if he has borrowed some money for you, because you're not going to give it in charity. What is it that you're demanding a prophet on top of that.

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So we see that river is the exact opposite of In fact, and Allah subhanaw taala wants us to be those who give those who share those who are concerned about other people, those who have living hearts.

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So in the following verses, we will learn about Riba, the punishment of Riba and also the ruling with regards to river

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and Medina coluna River, those people who consume interest layer comun, they cannot stand on the Day of Resurrection. In the camera Yakumo lady at the harbottle who shaped on minimus except as one stands, who is being beaten by Satan into insanity, that only can be under home palu enamelware midflorida that is because they say trade is just like interest, what a halala who they are, but Allah has permitted trade. Well how romaji Bear and has forbidden interest, from Anja whom are illegitimate will be so whoever has received an admonition from his Lord Fanta her and this is fella whom slf then he may have what is best. Well mo who in Allah and his affair rests with Allah, woman

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or other Fukuda equals habit now, whom we have hardly doing, but whoever returns to dealing in interest or usury, those are the companions of the Fire and they will abide there in eternity.

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And Medina, yet Karuna Riba, those who eat river, those who consume river Corona is from akena, Hamza cataflam and Akana yaku means to eat something, to consume something to devour something. So those people who are those people who consume What are they consuming? At river interest? The word deliver is from the root letters law that well from Robert Yabu which literally means to increase the word rubber which means a Highland and uppland Why is it called rubber because it is above sea level or it is above the rest of the area that is around it. It is in a mountainous area. So Robert europeu means to increase to swell or Robert also means to ascend. And literally the word ribeye

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means as the the

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What does ribbony as the the increase edition.

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So those people who consume river now what does it mean by consuming river eating river? Does it mean only eating as an eating in the form of food? No, yeah coonan River can be understood in several ways. First of all, it can be understood as taking or receiving interest that a person has given a loan and on that loan, what does he receive interest

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he has deposited some money in the bank and on that deposit What does he get? interest. So yeah coluna meaning they take they receive

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secondly, and Medina yet Khurana Riba eating consuming has been used because when a person eats something he benefits from it. So over here, Apple eating gives a sense of using it and benefiting from it.

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Whether it is in the form of drinking or eating or wearing or living, whether it is a house that is bought an interest. It is a car that has been bought

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interest, clothes that have been bought an interest, a House Renovation that has been done an interest, anything that a person gets by interest and he uses it and he benefits from it.

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Thirdly, yet coluna ribba kanana gives us a sense of dealing with interest, because if a person is calculating the interest of another

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or if a person is checking the interest of the other is determining the interest of the other giving it taking it, he's just working in the field of interest, whether it is in a bank or in an accounting firm whatsoever, because his work makes him earn something through interest. So, he is dealing with interest, whether he is giving or he is taking, or he is working for, and levena, yet kulu River, those who consume interest. Now the question is, why is the word actually used? Why is the eating word used? Why not something else.

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The eating word has been used the word Apple has been used, because most of what we gain most of what we earn most of what we receive, where does it go

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in eating,

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whether you buy clothes or not every month, you definitely buy food for yourself.

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And secondly, yet canola has been used because it shows the greed on the part of the person who is taking interest that he is taking it. He's so greedy, he's just eating and eating and eating and he doesn't care about others. He is fully consuming. He's not giving anything for the other. For the poor man who's suffering No, he's just concerned about himself selfishly consuming and eating yet coluna LIBOR, those people who eat river, those people who consume river who earned their money through River. Now, the question is what is LIBOR? What is interest? I told you about the literal meaning of the word river, what does it mean? increase, but what does it mean? In Islam? What is a

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technical definition of the word labor

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the labor as it has been explained, it is said colocar when Giovanna fun for horiba

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every or every loan that draws a profit upon it that brings back a profit with it that profit that surplus What is it river?

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So, basically ribba is the addition upon the principle it is the increase on the capital amount. However slight, it may be, even if it is a few cents, what is river addition and increase upon the capital amount on the principle. For example, a person has $1,000 his friend comes and borrows that money from him. And he says okay, fine, I'll give it to you for 10 months, as long as you give me back $100 each month, so, that by the end of the 10 months, you have given me back my $1,000. But in addition to the $100 you will also give me 5% extra, what is that my rent, my benefit my profit. So, this is something that I want you to give. So, basically, river is a fixed rate of increase, which

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the creditor receives from the debtor,

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the creditor, meaning the lender, the one who is giving the money he received from who from the bond and this fixed rate of increase is also time bound. There is a time limit six months, one year those of you who have studied about interest, how to calculate interest, how is it done?

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Nobody knows.

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There is a principal amount there is a percentage, there is a rate and what else and then there is a time period as well. So, the principal amount is given the time period is fixed rate of increase that is also fixed. So this is River.

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What is rubber, the additional money that you get the increase that you get on the loan that you have given to the other. But remember that if someone gets a profit on an asset that he has rented out, for example, a person has a house and he's rented it to the other in that transfer is you getting some money, that rent is not interest. Because if you think of it when that particular contract is over. At the end he will get his house back but he has already

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gained a lot of profit, a lot of rent. But remember that rent is not interest, interest is different. Because when you're lending your property to the other, there is a risk, isn't it? There is a risk each year, the value of your property may decrease or increase, there is going to be wear and tear. Whereas if you give the money to the other person, what's going to happen to that money, even if it becomes all the notes, even if they become old, it's not going to make a difference. But the house because it's being used, somebody might be abusing it. So there is a risk. Therefore, if a person rents an asset, a tangible thing, that rent is not interest interest in particular, is that

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which a person gets on lending money.

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interest has to do with money.

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So over here, Allah says alladhina, Hakuna Riba, those people who consume interest, what is their state going to be on the Day of Judgment layer como una Illa, camellia como la de Yahoo, shaytaan Minimus. They're not going to stand except as one stands who has been beaten by shavonne into insanity. This ayah tells us about the prohibition of river.

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That river is how long it is unlawful for a person to take interest. It is unlawful for a person to deal with interest and dealing means taking or giving.

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And we learned from many from many narrations. The Prophet sallallahu wasallam, clearly stated, that interest is how long we learned this from many, many directions. For example, there's a hadith that is mentioned Bukhari and Muslim. The Prophet sallallahu Sallam said, avoid the seven great destructive sins. The people asked Allah's Messenger, what are they? He said, to join others in worship along with Allah to do [???].

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We say that all the time, sugar is looming early. It is a major sin.

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The person who commits sin if he's not a Muslim, we say that all the time. So seven destructive sins, the first of them is to join others in worship along with Allah, then to practice magic.

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Then to kill the life which Allah has forbidden, except for just cause killing a person. Then, to eat a Viva. To deal with the Oba

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then to eat an orphans wealth and orphans property,

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then to feel defeated from the enemy and flee from the battlefield at the time of fighting. That is also a major sin. What else to accuse Jason women who never even think of anything touching their chastity and they're good believing women.

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So these are seven major destructive sins. One of them is dealing with Riba eating labor. When it comes to shake. We're like oh my God, that's completely wrong when it comes to killing someone. No way.

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For when it comes to taking interest, we take it so lightly, we take it so lightly, like it's no big deal.

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Similarly, there's another Hardee's which is mentioned in Muslim urban magic, in which the Prophet sallallahu Sallam said that I came across some people in the night in which I was taken to the heavens, the night in which the profits on a lotus I went for Mira Lodge. their stomachs were like houses were in were sneaks, which could be seen from the front of their stomachs.

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Some people, their stomachs were huge, and they were filled with snakes. I asked all jabril Who are these people here replied, these are those who devoted interest.

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These are those people who consumed interest.

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We also learn from a hobbyist which is mentioned in a Bahati in which the Prophet sallallahu Sallam said, the night I dreamt, the two men came and took me to a holy land. From where we proceeded on do we reach the river of blood.

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From there, the Prophet sallallahu Sallam proceeded on until he reached a river of blood, where a man was standing, and on the bank of the river, was standing another man with stones in his hand. The man in the middle of the river tried to come out, but the other threw a stone in his mouth and forced him to go back to his original place. So whenever he tried to come out, the other men would throw a stone in his mouth, and force him to go back to his former place. And this way, the man was not able to come out. I asked Who is this? I was told, the person in the river was a river, consumer, a person who consumed River.

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There is another Hadith which is mentioned in urban magic, in which the Prophet said a lot of them said, that river is 70 types, meaning the sin of river it can be divided into 70 parts the least of which equals one having sexual

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intercourse with his own mother,

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with his own mother,

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multiply this sin 70 times and that is the sin of dealing with River. That is the sin of giving and taking and living on river, living in a house that is bought on Cuba.

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Another Hadees tells us the Prophet sallallahu Sallam said, one did him a favor $1 one did him of labor that a man consumes, while knowing that it is river, knowing that it is how long is more severe in crime than 36 acts of fornication. 36 acts of fornication.

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They're not as bad as consuming one did, who acquired through the

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river is something very serious. It is absolutely how long and unfortunately, Muslims, we know about it being home. But still, we find excuses. We find justifications. And instead of trying to find ways of getting out of river, we present excuses for dealing more and more with river houses bought and mortgage than a car's bottom lease and then another house and another apartment and then one in there. And the circle continues.

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We don't even think of committing [???]. We don't even think of committing Zina. But look at the sin of river, it is much more severe. And it is not just these ahaadeeth there are many, many more ahaadeeth which mentioned about the gravity of the sin of river, how serious it is.

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Over here, a loss of panel data tells us about the state of those people who consume river, what is their state in the dunya and what is their state going to be in the hidden

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layer kumana they're not going to be able to stand your cameras from performing kamioka Stan, so they do not stand in that except karma. Yakumo just as he stands, who stands under the Yamaha babouche a fundamental mask is someone who has been beaten to insanity, by shaitan.

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The other harbottle is from the roof letters Hall Bell, from the word hot. And hot means a severe verb to hit someone to strike someone terribly, with a severe blow.

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It is to strike someone it is to beat someone senselessly and violently without looking at where you're hitting them. Where you're striking them. How hurt they are. No, it's just to keep hitting and hitting and hitting violently. senselessly.

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The word is actually used for a camel that stamps it's four feet on the ground. When the camel does that, is it looking at where it stamping? No, it's just stamping and stamping and stamping. Just imagine if you're putting a nail in the wall, what are you going to do, when you're going to hit the nail with the hammer, you're going to hit exactly on the nail. And if you don't hit carefully, where are you going to hit on your fingers on the wall, you're going to dent the wall, you're going to bruise your fingers, probably you're going to dent the nail itself as well.

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But helped is to hit and strike senselessly without following any particular order. And violently as well.

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The word is also used for a person who hits tree branches with a stick to get fruit. Just imagine a tree and a person is just hitting the tree, the branches. This is the literal meaning of the word hub.

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It is a hobby lane, to travel by night in darkness, and at random that the person is going here and there. He doesn't know where he's going senselessly without following any order. He's just going

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and yet a hug bottle. What does it mean? That he has made him crazy, he has driven him to insanity. How by beating him by striking him by violently beating him Whoa, a shape on the shape on imagine a person who has been beaten up by shape on to such an extent that that person has become insane. mean unless from the mass. What does mass mean must literally means to touch. But the word mass is also used for junoon It is also used for insanity. rajadamnern muscles is used for a person who has gone insane, a person who has gone mad.

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So we see that this person has been affected by shavon. This person has been overpowered by shaitan

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Have you ever seen a person or heard of a person who is possessed by Shannon by a gene? What happens to them, they scream violently. They're talking nonsense. Sometimes they have so much energy. Sometimes literally their physical body is bruised. Literally that happens.

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We see that shavon Yes, he whispers with a human being, he disturbs him mentally, emotionally, spiritually. But shaytaan can also have a physical effect on a person, a physical effect on a person.

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And when a person is physically affected by shut down, emotionally affected, mentally affected, then literally It is as though he has become insane because he behaves madly.

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He behaves insanely. And this was something that was very well known to the Arabs.

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This example in particular has been given because the Arabs were familiar with child theme driving people into madness by physically affecting them.

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And levy yet the harbottle shaytani minimus, someone who has been beaten by shavon into insanity. So the question is, what does it mean by this? Is this figurative? Or is it literally, that this is the case of the person, this has been understood in two ways that lay a kimono they do not stand your kimono is a pharaoh that gives the meaning of present, as well as future. So now, your kimono describes the state of the river consumer in this dunya. And it also describes the state of the river consumer on the Day of Judgment, that in this dunya, they do not stand, they do not behave, except like the one who is possessed by the jinn. Except like the one who has gone insane because of

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the mass of shaitan. Because of the affliction of shavonne. It is as if Schaefer has taken over his intellect. It is as though Shabbat is controlling him, he cannot think about what he's saying about what he's doing. He's not thinking logically, he's not using his brain.

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Because the person who's consuming river, what is he doing, he's not concerned about the need of the other, the suffering of the other, all that he's concerned about is his own money. All that he's concerned about is a bigger house, a better car, a better living standard, a better education, even if it means I'm getting it by River.

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So when a person deals with interest, he is not using his mind property, he is not behaving logically.

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He's behaving in a very greedy way, in a very inhuman way, which is why Allah says that the example of this person is like one who has been afflicted by shaitaan, someone who is possessed by the jinn, he does not use the senses anymore. He is completely overtaken by the shape one. He's completely overpowered by the shape on and this is a state of the person who consumes ribeye as well.

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And secondly, this is understood as that this is the state of the river consumer on the Day of Judgment.

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This is the state that this person will be in on the Day of Judgment.

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That on the Day of Judgment, these people will get up from their graves just as a person afflicted by insanity or possessed by shaitaan. stands.

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In the same way. I mentioned to you the Hadith, about when the Prophet sallallahu Sallam saw that some people, their stomachs were as big as houses, and they were filled up with snakes. If a person's stomach is filled with huge snakes, can he stand still?

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Can he stand properly? What is he going to do? He's going to be screaming and yelling.

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He's going to go insane. He's going to go crazy. And this is the state that these people will be in on the Day of Judgment. Screaming violently insane completely.

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Imagine this is going to be their state on the day of judgment in our best for the Darren who said that on the Day of Resurrection, those who consumed labor will be resurrected while insane and suffering from seizures. This is how they will stand on the Day of Judgment.

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Why?

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Why is such a big punishment? Allah says vaniqa that meaning this is their state Why? The unknown palu because these people these river consumers, what do they say? They say that enamel by your mitzvah river that indeed Bay in the trade is like River. Albay is from Bahrain. And as we know very is used for trade for buying and selling.

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And they say that Bayer is like rubber.

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If you look at it, they're justifying the river. Shouldn't they have said that river is like Bay, instead of saying Bayer is like river because they're justifying nuba so instead of saying river is like they are what do they say they are is like River. Why? Because they're not using their mind.

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This shows

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They have really gone insane in this dunya as well, that even when they try to justify they're not using logic, they're not using their minds property. And why do they say that bear is like river? Because just as when you lend an asset of yours to someone, or when you buy and sell, what do you get a profit. Similarly, I'm lending my money to someone, and therefore, I should get some profit.

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Or that bear is like river, how that Bay is hollow, and rebar should also be hollow.

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In terms of permissibility, both are hollow, which is why Unfortunately, many Muslims today, they will go around trying to prove trying to justify what they have done in some way or the other, that I have to get as a mortgage because of this. And this reason, I have to do this because of this. And this reason.

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They try to justify Riba and this shows that there are over compassion for

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this shows that they're not using their mind. This shows that they have lost their appeal. They're trying to justify it. Because river and Bay are not the same at all. They're not equal at all. They're completely different.

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Allah says, Well, hello, lavera Elias mid Bayer. Hello. Well, hello, everybody. And he has made it about how long so how can the two be the same? How can the two be equal? They cannot be the same. One is haram. And one is Helen.

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If you go to a restaurant, and you're given the option of vegetarian, or pork, what are you going to do? vegetarian? Why are you going to say no, no, I'm gonna eat pork.

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When the thought of eating pork comes to your mind, how do you feel disgusted.

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But when it comes to buying something through interest, normal, fine. One is halal. And the other is how long one is permissible, and the other is forbidden, they cannot be the same. No matter how you try to justify, they can never ever be the same. Allah says what halala will bear wahala Reba, they cannot be the same at all.

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This statement will halala will be or will have a mareeba has been understood in two ways. First of all that olanzapine What are they saying this in response to their objection, in response to their justification? What is their justification? That bear is like river? What does Allah say? No, it's not like River. Why? Because there is high land and the river is home.

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Secondly, it has been said well, how long they are or how long the river. This is a continuation of the objection of those people who consume river that first they tried to justify by saying that bear and Reba are the same. And then they object and say, why is it that Allah has permitted bear and he has forbidden Riba when both of them are the same.

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And this is what happens, that when a person tries to justify a wrong action, then he goes on to objecting.

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He goes on to objecting at the commands of Allah subhanaw taala.

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We see that there are seven verses of the Quran that prohibit interest clearly. And about 40, a hadith about 40 ahaadeeth. That clearly state that Reba is absolutely wrong. And on top of that, there is a consensus amongst the scholars of the oma that river is absolutely Haram. So there is no doubt about interest being caught on Romano, the learn who said that the I about river was one of the last is to be revealed. So what does that show that it was not abrogated?

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Allah has forbidden interest. And he is allowed trade. Why? Because they are not the same. They're completely different. They're not similar at all. Apparently, a person might say, Okay, I am lending my house, I get profit. So if I lend my money, why should I not get profit?

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If the value of my house decreases, it's possible that the value of my money decreases as well. So why should I not get profit? And this is justification that people offer. But the fact is that the two are completely different.

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What are some of the differences between the river and buy? What do you think?

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When it comes to trade when it comes to buy when it comes to business, when it comes to renting an asset? Is there any risk involved? Of course, you might get your house back in a perfect condition. And you might not get it back in a perfect condition.

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Your house might catch fire and your house might be saved.

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Your business may bring you profit and your business may go down. There's risk.

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But when it comes to interest, is the interest fixed? The rate fixed? The time fixed? Is the profit guaranteed. Yes, it is. There are different

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options.

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If you look at it, when a person is doing trade, when a person is, is working in a business, then he's using his time. He's using his skills. He's investing his money, he's taking chances. But on the other hand, when he is just lending the money that he has captained the bank

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to another person, what does he do? He just sits at home, and he makes money. He just makes money sitting at home without really putting in any effort. He knows that every month, he's gonna get this much money, it's guaranteed.

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Also, if you see in vain, there is no fixed profit. But in interest, there is a fixed profit as well. What are the differences are there between Bay and river, in their result in their consequences in their manner. Trade promotes the circulation of money. When there's business, when there's work, what happens, people make money, and people lose money, money doesn't just stay in one place. But when people are just earning interest, then what happens? You have these loan sharks, who just have so much money, and they keep on getting more and more money, the poor keep getting poorer, and the rich keep getting richer. The poor man didn't have money in the first place, which is why he

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came to you borrowing money. And now he doesn't just have to give you the money that he borrowed. But he also has to give you interest on top of that. So he's going to have double loss, whereas you will have double benefit, double profits. The rich keep getting richer, and the poor keep getting poorer.

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In interest, a person is taking advantage of the other person's situation. And in Bay, what happens you're creating an opportunity of benefit for the other.

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Bay promotes employment. When a person is dealing with interest in what happens all of his life goes into just paying the mortgage is paying the interest. There is no school.

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The main thing is that they and river are not the same. They may appear to be similar, but they're not seen. Which is why Allah has permitted by and he has forbidden river

00:32:13--> 00:32:59

from ninja humo de la middleby Fanta fella who masala so whoever has received an admonition from his Lord and assists, then he will have whatever has passed. My river, as you know is used for an advice and exhortation to do good and refrain from that. What is the moral over here referring to wahala mareeba that Allah has forbidden interest. So whoever it gets to know about the smaller Allah that Allah has forbidden interest and this Marula is from who mid Rob Bihi from his Lord. It's not just for me, some person who has made Riba Han Allah has made it Hello. So, whoever receives this admonition Fanta hat and then he stopped into high strung noon hanger.

00:33:01--> 00:33:24

Now he means to forbid, an inter hi enter he means to stop oneself to give up do desist. So, whoever into meaning he stopped, from taking river from dealing with river and interact can also be understood as that he stopped from justifying labor from declaring bear to be similar to labor.

00:33:25--> 00:34:09

So what is entire refer to he stopped from what taking river dealing with river and secondly, justifying river fellow masala then for him is whatever that has passed, meaning the past gains, whatever that he has earned before in the past through interest, he can have it he doesn't have to go calculate every single penny that he earned through river and give it back to those whom he got it from no further home, so that you will have whatever has passed whatever has passed is over No. Sulfur is on the roof ever seen. lanpher and sedef means to be over the word slf. You may have heard, it is used for predecessors ancestors because they are now fast. Well in Allah and his affair

00:34:09--> 00:34:25

is to Allah which affair which affair the affair of this person, meaning of his repentance and forgiveness. It is with who of law that even after repentance, Allah soprano data holds the right to forgive or not

00:34:26--> 00:34:39

notice a loss of power that over he does not say that such a person has been forgiven. What does he say? His matter is with Allah, Allah will judge now, whether or not this person deserves forgiveness.

00:34:40--> 00:34:57

For many other sins we see in the Quran, that whoever stops and repents and does righteous deeds, then he is forgiven. But as for river what is a mercy, whoever stops he will have whatever has passed but his affair is with Allah meaning Allah will decide concerning him.

00:34:58--> 00:35:00

Still for you

00:35:00--> 00:35:07

giveness is not guaranteed, because Allah knows how that person has repented. His matter is with Allah.

00:35:08--> 00:35:33

Woman either and whoever repeated others from newsletters eichenwald that meaning whoever starts consuming Riba again, despite knowing about the unlawfulness of Riba, he finds out that hamama rebel allies forbidden Riba, but still, what does he do? He goes back to River. He still deals with interest, despite knowing that interest is how long formula equals have enough.

00:35:34--> 00:35:37

Can you imagine this? formula equals have enough

00:35:38--> 00:35:39

who

00:35:40--> 00:35:48

those who go back to consuming rubber, despite knowing that rubber is completely, completely unlawful.

00:35:49--> 00:36:06

Such are the companions of the Fire homefree, Holly Dune, and they will dwell there in eternally, forever, never to be forgiven, never to be taken out. Why? Because river is a great crime. And the punishment is also very great.

00:36:07--> 00:36:16

One is that a person accepts the fact that he has done something wrong, I should not do it, I should not indulge in it. And the other is that a person indulges in it and he justifies it.

00:36:17--> 00:36:29

He justifies it from here, and from their present excuses one after the other, then he doesn't take a lesson from the past. He doesn't take a lesson from his experiences, and he continues to deal with interest. He continues to deal with them

00:36:30--> 00:36:34

from another whoever returns allies.

00:36:35--> 00:36:38

Allies often severe in penalty in taking retribution.

00:36:40--> 00:36:41

recitation

00:36:55--> 00:36:56

learn he can be

00:36:59--> 00:37:00

in

00:37:02--> 00:37:03

Reba.

00:37:07--> 00:37:07

Reba,

00:37:23--> 00:37:24

woman

00:37:43--> 00:38:20

religion, and it's something that cannot be justified simply because Allah has made it unlawful. That's it. That's the main reason, simple reason Allah has made it unlawful. It is not halal, it is not permissible. And there is no need of justifying it. And those who tried to justify it, a lot of hands on it tells them that remember the fact that Allah has forbidden interest. And he has made by Helen, there is a clear difference between the two. Whoever stops whatever was done in the past that's over and whoever repeats it, whoever goes back to Riba then, Where is he going? Hellfire?

00:38:21--> 00:39:07

What will a cause Habana homefree Holly Dune and as for what I'm going to eat Allah, that the affair of this person rests with Allah. This has been understood in two ways that Unruh who, who over here refers to the person that his affair of repentance and forgiveness is with Allah meaning Allah holds the right to forgive or not. And secondly, it has been said that amaru Who the hell over here refers to the river, the river that a person has earned in the past, follow masala, okay. But still, that river that he has earned in the past, it is up to a lot that he are for longer Maya, that Allah can forgive from whatever he wills of it, and he can punish him for whatever amount that he wills

00:39:09--> 00:39:58

that Allah says young haco LaHood Reba, a lot destroys interest, where you will be sort of caught and he gives increased for charities will law who lay your head bucola affair in a theme and Allah does not like every sinning disbeliever em Haku Jaco is from meme hell off and Mark literally means is Allah. It means to wipe off something to efface something, to reduce something to waste it. This is the literal meaning of the word mark. And Mark can be tangible and it can also be intangible, tangible, that literally physically something that is tangible is removed, it is destroyed, it is wasted. And in the intangible sense, Mark is that something is deprived of blessing.

00:39:59--> 00:39:59

So

00:40:00--> 00:40:03

thing is destroyed, in the sense that it is deprived of blessing.

00:40:04--> 00:40:51

For example, you have a cup of water physically, what does Mark mean? That that water is wasted, for example, you throw it, and intangible mark is that you drink it and despite drinking it, your thirst has not been quenched. Despite the fact that it was a big glass. It was a big cup. It was a huge month, there was no bottle cabinet. There was no blessing in it. This is the meaning of the word Mac. And it's derived from the word Mohawk, which is when the moon disappears from its muffler from its rising place in the last days of the month, that it is there, but you can't see it. So Young happen. Maha Riba, Allah subhanaw. taala destroys interest how, in the tangible sense and also in

00:40:51--> 00:40:52

the intangible sense

00:40:53--> 00:41:34

when you're this other card, and he increases other cards before that, how does the loss of Chinatown destroy interest in three ways? First of all, by making it home by making it unlawful, obviously, if it's going to be unlawful for all the Muslims, then what does it mean? That a place where the Muslims truly follow their Deen, there is going to be no interest, it's going to be destroyed. Mark, it is Allah it's finished, it's wiped off. Interest is wiped off how, by last panatela making it hard on by making it unlawful. Secondly, by eliminating the blessing in the money that is acquired through interest,

00:41:36--> 00:41:41

that a person has a lot of money. He has a big house that he got a mortgage, but there's no book.

00:41:42--> 00:41:44

He has a lot of money, but there's no medical.

00:41:45--> 00:41:56

And thirdly, that a person with the money that he has acquired through interest, when he tries to spend it in charity or otherwise, he gets no reward for it.

00:41:57--> 00:42:16

We know that when a person makes money through halaal. And when he feeds it to his family, that he gets reward for every morsel that he feeds his family, isn't it. But if a person earns a lot of money through interest, and with that he's building a machine a whole lot of money. He's spending but he will not get any reward for it. Because you

00:42:19--> 00:42:52

will you will be sort of caught and he increases his other caught up is from Robert well, same route as a word deliver. What does rebar mean increase? Now it is something natural in the human beings they want their money to increase. They want their wealth to increase. When a person tries to increase his money through how long ways it doesn't actually increase, even though apparently it may seem that it's increasing, but it doesn't actually increase in reality doesn't what actually increases is for the court giving sadaqa giving charity, how does it increase that first of all, Allah has encouraged it.

00:42:53--> 00:43:06

So many verses we have learned so far, which encourage us command us instruct us to give sadaqa so you will be satisfied he gives increased. So the karate promotes or the court.

00:43:07--> 00:43:21

Secondly, you will be for the hotel by giving Baraka in the money that is acquired through Hillel. And from it sadaqa is given that money from where Taka is given what happens a lot with Baraka in it.

00:43:22--> 00:43:39

And thirdly, you have this other cartel that when a person gives even one have one date, tiny thing as a sadhaka, Allah subhanaw taala multiplies the reward for it. One tiny thing turns into a huge mountain where you have this other code.

00:43:41--> 00:43:52

So we see over here, that Allah destroys interest and gives increase to the charities to the Son of God. We looked at these two parts individually, let's do a comparison.

00:43:53--> 00:44:05

But first of all, a lot of destroys interests and gives increase to charities. How, by making interest how long and thus diminishing it and on the other hand promoting and encouraging the giving of sadaqa

00:44:07--> 00:44:19

we learn in the Quran, Colet estherville hobbies What are you what are other catarratto hobbies, say that all hobbies impure, it is not equal to what are

00:44:20--> 00:44:26

the good things and the impure things. They're not equal at all, even though the abundance of all hobbies may please you.

00:44:28--> 00:44:46

Even if there is a lot of money that is acquired by interest, and even if it may look very beautiful, even if it may look very appealing. Still, it is Hobbes still Allah has made it How long? Still it is unlawful for you.

00:44:47--> 00:44:59

Why? Because interest destroys society. River destroys society. It destroys humanity. It destroys compassion. This is why Allah has made it unlawful.

00:45:01--> 00:45:31

And what does it lead to? selfishness. It leads to taking benefit from the other person's hardship than so many other vices. And on the other hand, when a person gives other people what happens, he's giving, he's sharing. He's concerned. He's being generous, he's being compassionate. He's been kind, he's referring other people over himself. He's looking out for others. This is why Allah has made Riba haram and charity, he has promoted it so much.

00:45:32--> 00:45:41

A loss of power, he wants to completely eliminate interest from the society and he wishes to increase sort of in the society. This is why he has made rubber, how long?

00:45:43--> 00:46:21

We've seen that our Deen is based upon compassion and well wishes. What is it based on? compassion, and well wishes, gives the cat gives other speak the truth? Smile. Why? Because it's being compassionate. Our Deen teaches us to recognize the rights of the others not be selfish. And just take take take. Why? Because the Muslim woman is like one body. If one part is suffering, everyone should feel the pain. If one person is suffering financially, you should also feel for him. And when you feel for him, give him something that you have helped him out, instead of benefiting from the difficult situation that he's in.

00:46:22--> 00:47:03

We see that when a person gives soda, why does he give it for the sake of Allah? And when a person is taking interest? Why is it taking it to increase his wealth without taking care of the other one person is giving for the benefit of the accurate another person is receiving for the benefit of dounia one person is being generous, another person is being selfish. So obviously, because the two are completely different, one brings a lot of benefit, and the other promotes a lot of harm. Therefore young How can LaHood river where you'd be sort of God, Allah has forbidden interest, and he has promoted and encouraged so the pot

00:47:04--> 00:47:11

and we see that the Prophet sort of artisanal towards the end of his life. This is when Riba was made completely unlawful.

00:47:12--> 00:47:43

And so the hearth were promoted so much, that at the time of aroma, bin Abdulaziz, what happened, there was nobody to receive zakat. Not even one person who was eligible for isn't that why? because it was so much harder for people were giving so much. There was no culture of river, there was a culture of giving that nobody needed zakat. Can you imagine complete elimination of poverty? complete elimination. This is why I'm haka lava river, where you will be selected.

00:47:44--> 00:48:03

Secondly, we see an awful lot about where you will be. So the court means that Allah destroys Riba how, by making it an act of great sin, because it's wrong. When a person deals with it, he is earning sin. And when a person gives sadaqa what happens he gets rewarded for

00:48:05--> 00:48:21

when a person deals with interest, he acquires great thing. And when a person gives sadaqa, then he acquires greater reward. As for the reward we have read earlier that will know who you are evil, Lima Anisha, Allah increases for whomsoever He wills as much as he wants.

00:48:23--> 00:48:43

Then the third thing is that young hakala Holy Bible universe or the fact that when a person deals with interest, then what happens? The Baraka from his wealth is eliminated. And when a person gives sadaqa, then there is Baraka in his wealth. If you look at the cap, what does it mean literally? purity and growth.

00:48:45--> 00:49:06

Apparently, you're giving a part of your wealth away, but what are you actually doing, you're actually increasing your wealth, there is Baraka in it. Which is why sometimes we see that people who live in a simple small house within their means, or even if it's a house that they rented, small, they will be more peaceful, compared to someone who might be living in a huge house, but they bought it through home.

00:49:07--> 00:49:45

Similarly, there could be a person who has earned a degree through her own money. But at the end, he doesn't have any peace. He doesn't have any happiness. Why? Because for the next 20 years for the next 15 years, for the next 10 years, What is he thinking? I have to pay off my loan? I have to pay off my debt. Just the other day I met this lady who said that I've been working for the past 20 years non stop 20 years non stop. And I asked Why? She said because we have to pay off our mortgages and our bills and our this scenario that mortgages 20 years. And she said this is like slavery.

00:49:47--> 00:49:48

I think this is slavery by choice.

00:49:49--> 00:49:51

This is slavery by choice.

00:49:52--> 00:49:59

If we want we can live within the means that Allah subhanaw taala has given us peacefully being contented with what we have. But if we want more and more

00:50:00--> 00:50:14

beyond our means, then what's going to happen? Despite everything that we have, there is going to be no Baraka, no peace, no Sukkot in our family lives, in our social lives at all. Young hakama Hood River, where you will be sad about

00:50:15--> 00:51:01

the loss of hunger that tells us why am I taking my liver? Leona woofie unwellness failure we're in the law, that would you give us river so that it increases? It does not increase in the sight of Allah. When a person deals with interest? Why? Apparently so that he can get more money? What does Allah say? It doesn't increase in the sight of Allah, there is no better kind of money. No Baraka, no happiness, no contentment, no satisfaction, no peace in life, no peace in the family, Jaco LaHood river, where you will be so called will law who now you have bucola affair in a team and Allah does not like every cathar and every theme toward kafele is from coffee. What is coffee for me? This

00:51:01--> 00:51:03

belief but coffee also means in gratitude.

00:51:04--> 00:51:22

It also means in gratitude Sokka foul. It's not just caffeine. Caffeine is this believer or ungrateful person, but cast fell is one who is extremely disbelieving. One who is extremely ungrateful Cathedral cough, cough.

00:51:23--> 00:51:31

And a theme. A theme again, is not just a thing, but it's a theme Who is the one who commits a lot of Cathedral.

00:51:33--> 00:51:45

And you remember that, in particular, is with regards to those things that are done against rebels against the servants in the rights of the people in the rights of the creation.

00:51:46--> 00:51:47

Now, why is this mentioned at the end of this if

00:51:48--> 00:51:51

there's a connection between the beginning of the year and the end of the

00:51:53--> 00:52:36

at the beginning of law says that Allah destroys Riba and he promotes that apart. And then he says Allah does not like every person who's extremely ungrateful, and a person who is very sinful. You see, when a person is not satisfied with what Allah has given him, what does he do? He tries to get more, and sometimes in trying to get more, what does he do? He ends up earning more through HUD on dealing with interest. What does it show? He is ungrateful for what Allah has given him, he's not satisfied with it. And so he doesn't care about the decree of Allah, what Allah has given him, and what does he do? He goes on, trying to get more, even if it means trying to gain through how long so

00:52:36--> 00:52:55

it shows the lack of appreciation in the person who deals with him for the blessings that Allah has given him, kuffar, extremely ungrateful. And a theme is what's sinful as well, because how is he earning more? How, by committing injustice against others?

00:52:56--> 00:52:58

That's listen to the recitation of these verses.

00:53:00--> 00:53:01

And how long

00:53:15--> 00:53:32

so we see that interest, and sort of, they're completely different. They're the exact opposites and river cannot be eliminated from the society until and unless people become those who give

00:53:33--> 00:53:44

people become giving and caring for others. Because when there is a culture of giving them the culture of receiving, that reduces, that diminishes.

00:53:45--> 00:53:53

In our Deen, we are taught that in times of need, what should we do? help each other out, like for the other what you'd like for yourself.

00:53:54--> 00:53:55

But what is Reba

00:53:56--> 00:54:09

that in the time of the need of the other person benefit from him, don't like for him what you like for yourself, it's an opportunity for you to gain more money. The poor family needs a house, the poor family needs this. So make money.

00:54:10--> 00:54:28

When there's a culture of Southern club giving the cat, everybody gives 2.5% then there would be no poverty. And on the other hand, the more and more river is given and taken, it promotes poverty, that people who have just graduated from school, they're in that

00:54:29--> 00:54:45

they're not even in their 20s sometimes they're already in debt. And they don't get out of debt for years and years. Because there's one note on top of the other and above the other. And sometimes if we just become content with what we have done, there could be more sukoon in our lives.

00:54:47--> 00:54:59

As I go, just hearing this, I was getting goosebumps, like, you know, it's such a big sin and I was thinking, you know, we were told about Southern guy in the previous eyes. I was thinking I was like, you know, why didn't we get told about South Africa after so you know,

00:55:00--> 00:55:31

The bad news gets overpowered by the good news. But then I was like, No, there's a reason behind it. So I was thinking about that. And I was like, you know, and that's one of the tallest the good news first, so that, you know, we have a means of increasing our wealth before, he tells us that you can't have this other side. So it's sort of like he didn't just say you can't have interest because it gets bad, like he explained all the reasons behind it. And then he also tells you, you know, because as humans, we think of that as like a means of increasing our wealth, whereas he already told us beforehand, and the previous is that as a means of increasing our wealth, this other guy,

00:55:31--> 00:55:32

and that's the right way to do it.

00:55:34--> 00:55:58

I believe we should not just be tuning oriented, meaning you shouldn't just be looking at again, Indonesia, but you should be looking at the profit in the afro, which is why South Africa has been mentioned in so much detail that whatever your gift, you're going to get that into here after many, many times more. And in this dunya. If you try to get more through Riba, it's going to take the bulk of from your wealth in dystonia, and there's great punishment in the hereafter.

00:55:59--> 00:56:42

When a person is not content with what he has, and he's just focused on getting more and more and more than one thing leads to the other. He wants a house and then he wants furniture, and then he wants renovation, and then he wants a car because he lives in that house. And then he wants this and he wants that. And he forgets that eventually is going to die. Eventually, this house is going to be left behind him doing really how long am I going to live in this house? How long am I going to enjoy this piece of furniture? How long am I going to enjoy this car, I get this new cart next year, it will be old, there'll be a new version, the newer model, the things of this dunya they involve a

00:56:42--> 00:56:51

person in such a way that he's not able to get out of them. And when His focus is on the asset. When he starts giving. It's a completely different person.

00:56:53--> 00:56:54

Yes, and I

00:56:55--> 00:57:26

I'm a business student, and I'm 100 I'm in my fourth year. So I've taken a lot of business classes and professors no matter how nice. They seemed, like whenever we dealt with interest, I was asking how wide our interest and they're like, like how can you lend your money to someone you know, without expecting something so smile, like their minds, or even the right mind. And the right mindset where they, they have to have something that they can't even just like give someone money out of the goodness of their heart. So this is not about the car is that if you buy a brand new car, once you drive it off the lot like for a second, it depletes $10,000. Like you say you buy it for

00:57:26--> 00:57:34

$60,000. Once you drive it off, it's $50,000 is the highest you can sell it for so it's like to finally have all the interest and you can even sell it for iPads.

00:57:37--> 00:58:15

Perfect religion is no perfect commands of allies, because in his system, there would be no poverty if he would just do what he has commanded. And if you look at the economic crisis right now, I mean, how does that all happen? I mean, interest was main cause of it. And it really also made me realize, because in Germany, for instance, on a tax form, if you say you're part of a church, they deduct some amount of money from your earnings. So a lot of people in Germany or I know a lot of young people who are not religious anymore, like why am I going to church in the first place, it is taking my money and they dropped out of the church, because this is self selfish thinking. And also makes

00:58:15--> 00:58:28

you realize that you think about society in this context as well, because you give so it's for the whole society. And with that thought, like dropping out of church, everybody's so selfish and just thinks about what I'm gonna get.

00:58:30--> 00:58:33

And when it comes to giving sadaqa Are you concerned about what can I give?

00:58:36--> 00:59:14

I just sent it over the interest like in detail now, but just few days ago, my dad talked some shake, I mean, very well known caller, He justified interest like mortgage, my dad, he said, living in North America, we have no choice. So we can have one house on mortgage that you're living in. That is okay, but you cannot have a house on mortgage, which you can rent off. And we were trying to tell our dad that it doesn't matter. I mean, we can live in a rented house, rather than a mortgage doesn't matter, you know, your needs or whatever. But, I mean, we were trying to explain to him in that way. And the person or whatever he said, told my dad that you can have one house on mortgage.

00:59:14--> 00:59:35

So that is you know, never mind again now. And now when I read the detail now it just you know, the Florida's completely stuck to a beneath my feet, like what's going on here? Like, I mean, it's the same great big sin. And I'm wondering where that shape came from. He's justifying it instead of, you know, stopping it completely. I'm really like, I'm shivering. Like, really?

00:59:37--> 00:59:39

Unfortunately, this is the case with many.

00:59:40--> 00:59:49

A person could say, I need a car. I need this. I need that. There are so many other people who have been renting for years and years.

00:59:50--> 00:59:53

What's the big deal? So what if you don't have a house in your name?

00:59:54--> 00:59:57

So what will be familiar intercalating from

00:59:59--> 01:00:00

a person who wants to

01:00:00--> 01:00:12

house in the house. He doesn't care about having a house in the dunya if he cannot afford it, what's the point of getting a house through her own. And we read the ayah. It states very clearly,

01:00:13--> 01:00:28

we see people who are so busy in trying to pay off their mortgage trying to pay off their lease or this or that, that they don't have time to spend with their children, with their families, with their friends, for the dean. And so many things are compromised.

01:00:29--> 01:00:31

So many people commit suicide because of this reason.

01:00:33--> 01:00:58

They're working constantly. They're tired, they're sick, they still have to go to work because they have to pay the mortgage. And, and some people might tell that is not the case with us. But there are so many people out there. I mean, this person that I met, I see her almost every other day, she lives close to my house and she looks so tired all the time. She's sick. She's so old, she's diabetic. She's been working for 20 years non stop,

01:00:59--> 01:01:17

because she has mortgages to pay. Just imagine when a person gives other car at her bottle and also what did we learn today? Imagine for Kona, he loved to watch Hitler, except to see the face of Allah. And when a person has done harm on the other hand,

01:01:20--> 01:01:50

then Allah says in alladhina amanu armina slowly hurt indeed those people who believe what I mean asylee heart and to do righteous good deeds, whatever I choose could eat those that are approved by the Quran and the Sunnah. What else do they do well call masala and they establish the solder what are the rules? And they give this as well lahoma Judo whom are in the rugby game for them there is reward with their Lord, what are How can I lay him what or whom he has known and they will have no fear, nor will they grieve.

01:01:51--> 01:01:57

Over here law says about those people who believe and who righteous deeds as well. Eman alone is not enough.

01:01:58--> 01:02:06

Then remember that if a person is committing righteous deeds, and at the same time he's acquiring how long he's earning home, then are His righteous deeds going to be acceptable?

01:02:07--> 01:02:19

Then Allah says establishing prayer, a common Salah with regards to Salah with regards to sauna we learned insulted uncouth, I have 45 Allah says in a sonata, then I need fascia.

01:02:20--> 01:02:24

Indeed, prayer prohibits immorality and wrongdoing.

01:02:26--> 01:03:01

If a person performs the Salah, then what happens? He drifts away, he moves away from immorality and wrongdoing. And river, obviously is fascia. And it's also mooncup. Its fascia because it's a major sin, it's clearly wrong, and it's Mancha. Even the intellect doesn't accept it, the Apple does not accept it, the carrier does not accept it. And if a person performs the Salah, properly, fulfilling all of its conditions and pillars, then definitely it will affect his life positively. And he will move away from consuming

01:03:03--> 01:03:44

the data and to give this occur. The cat has been mentioned over here and it's the opposite of river. River is to take and Zakat is to give the cat and river are completely different in origin in nature and in purpose. The reason behind taken care by the reason behind giving Zakat the nature of labor the nature of the cat the purpose of Riba The purpose of the cat, there are completely different. How are the different the cat is paid in fulfillment of a loss command. It's a fault. It's an obligation. And river is what? What is river isn't an act of obedience. It's how long it's a major sin.

01:03:45--> 01:04:08

Then the cat is paid. Why to seek the pleasure of Allah? And what does Riba do? It announces war with Allah, that whoever takes river he's not earning the pleasure of Allah. What is he doing? He's declaring war against online His Messenger. The cat shows concern for the needy people in the society. And what does Riba do? It shows selfishness and heedlessness,

01:04:09--> 01:04:13

that a person is only concerned about himself, he doesn't care about those people who are needy.

01:04:15--> 01:04:28

Just imagine there's a young person, he wants to get an education he wants to learn something. And even if you giving even if you give him a loan, you're given an interest, so that by the time he's done, he's in debt. This is completely different.

01:04:29--> 01:04:38

As a cat promotes compassion, concern for those who are needy, and river promotes selfishness, heedlessness.

01:04:39--> 01:04:40

What does a cat lead to

01:04:42--> 01:04:53

look at leads a person to increase in a man. people realize that it's a part of the mind and when a person commits that, which is how long he drifts away from a man. He drifts away from Allah.

01:04:54--> 01:04:59

Zakat promotes brotherhood, it leads to unity and what does river do?

01:05:00--> 01:05:10

It leads to this unity sometimes people, when they're involved in how long they don't like facing others. Why? Because of the face time other people are gonna tell them, right? They're gonna tell them off

01:05:11--> 01:05:13

to promote this unity,

01:05:14--> 01:05:16

then the cat, what does it do?

01:05:17--> 01:05:24

They're visible signs of economic growth, economic well being in the society and Riba leads to poverty and debt.

01:05:25--> 01:05:30

It leads to excessive greed. It leads to exploitation of the needy, of the poor,

01:05:31--> 01:05:40

that leads to circulation of wealth, that if you have this much wealth, you can't just keep it to yourself, you must give a part of it away to those who need

01:05:41--> 01:05:45

and revise I have, and I'm taking more and I'm taking more and I'm taking more.

01:05:46--> 01:06:06

So those people who believe do righteous deeds praise Allah gives a cat lover module whom are interrupting him. for them. There's their award with their Lord when a homeowner I lay him while at home, yours alone. And on the contrary, those people who deal with interest what happens, they live their lives in house, and they live their lives in person.

01:06:07--> 01:06:21

There is no peace in their lives, family, social work life, any life there is no peace, there is no happiness, and they're stuck in a vicious circle. One leads to another one debt, one loan, one credit card leads to another,

01:06:22--> 01:06:25

the homeowner allowing him whatever medicine

01:06:26--> 01:07:03

and remember that when it comes to river, it's not just about receiving labor, that is heaven. Because many people justify that over here in the Quran, it has been said Alina yagoona. So receiving rubber obviously is haram, but giving Riba you have to give, I needed that loan, I need that house, I need that car so I can give. But the fact is that dealing with Riba whether it is in consuming or giving both are clearly wrong. There is Hadees that is mentioned in Sahih Muslim in which the Prophet sallallahu wasallam curse, the one who accepts River and the one who pays it.

01:07:04--> 01:07:10

The Prophet sallallahu Sallam curse the person who accepts river and also pays it.

01:07:11--> 01:07:18

So a person who is accepting river paying river living on river, that how can there be peace in his life.

01:07:19--> 01:07:32

He's been cursed by the Messenger of Allah, far away from the mercy of Allah. That the act of river is so wrong, that both the people, the one who's giving and the one who is taking both are wrong.

01:07:33--> 01:07:48

From another Hadith we learn which is mentioned in the movie, The Prophet sallallahu Sallam said, Allah has cursed the one who accepts river, the one who gives river, the two witnesses of it. And the one who writes it records it deals with it.

01:08:16--> 01:08:45

Sometimes we see people who live on river, who get their houses on river, for example. And you will be justified with the fact that okay, it's a need, and they need at least one house, they're living in it, they're not using it as an investment. So it's okay, it's permissible. But sometimes we see that the man is working, the woman is working, the moon is being forced to work, she has to work and what happens, she comes back home, she's tired. And the man or the woman they're always fighting, always arguing.

01:08:46--> 01:09:05

I've seen this with my own eyes and so many families, so many people, things were perfectly fine when they were back home. And as soon as they came here, and they got a house and they got an apartment and then they got this and then got that what happened. The husband and wife are drifting away from each other, more and more problems.

01:09:06--> 01:09:19

And if a person is content with less, I mentioned that Hades to you earlier with regards to begging that when a person is content with less than Allah makes him content minister, Governor of Oklahoma, whoever is content Allah makes him content.

01:09:21--> 01:09:46

A person did not know and he has dealt with river in the past. Then obviously we learnt that fella who masala The past is over. He doesn't have to go back and get a ribbon. Get rid of it. No, it's done. It's over. But if he has to pay a loan, which is on river, then he must try his best to pay it off as quickly as possible. Even if it means by taking a HELOC loan from someone

01:09:47--> 01:10:00

I know of people who have done their entire university like this. They borrowed money from uncles and friends and relatives and then they paid them off as soon as possible.

01:10:01--> 01:10:06

The problem with us is that we take a loan, and we still want to live a very luxurious life,

01:10:07--> 01:10:31

we have a license, we have to have a car, we have a car, we need a phone, we just don't need any phone, we need that particular phone. And then we need a laptop, despite the fact there is a computer at home. And there are computers all over the campus and university. We don't want to live simple lives, we just want more and more. And the more things we want, the more we have to spend and obviously, that we can't pay off our loans.

01:10:32--> 01:10:45

Everybody's caught up in this race of living an extravagant life, I want this and I want that, and this, I have to get this loan, and I'm going to pay it off. But as soon as a person finds out, he must pay it off as soon as possible, he must not delay it.

01:10:46--> 01:11:06

And if needed, he can even stop, for example, school for the next two years that he can pay off that debt. And then he can continue school. There are people who take six years or five years to do their degree, which could be done in three to four years. Why? Because they're working along the way. And you notice how the previous is the teachers about Sadako.

01:11:07--> 01:11:12

And the best other clients who are learning it were Sophie, Sabina, who are the

01:11:13--> 01:11:14

students of knowledge,

01:11:15--> 01:11:36

obviously, has habits so far, much above, compared to a person who's just going to university, but I mean, a person who is gaining knowledge and he needs money. He needs to study that if you are a relative, if you are a close friend, if you are their parent, sometimes parents don't support their own children. And the children have to go get loans on interest.

01:11:37--> 01:11:46

If you're renting a place, and that particular place is a mortgage, and whatever rent you give goes in mortgage, that's not your problem. Your transaction with them is valid.

01:11:47--> 01:11:57

But I'm just amazed that how prevalent versus how prevalent This is, despite the fact that it's hard because we have made it something so easy. We have justified it.

01:11:58--> 01:12:03

And therefore, every second person is involved in it somehow or the other.

01:12:04--> 01:12:13

And somebody asked me that, you know what, I should start a fund so that people can borrow money and they can buy houses. If you can't afford a house don't buy one.

01:12:14--> 01:12:16

Do you have to buy a house?

01:12:17--> 01:12:50

I mean, there's so many people who don't own houses, so many. They've lived on rent all their lives and they've survived. Why is it important to own a house? Why? Even with the mortgage, you don't own the house? The problem is that we just look at everybody who owns a house or owns two houses. And we also need one who has a bigger house and then it never ends. You have a small apartment and you want a townhouse and you want to send me then you want a full house and then we forgot the fact that we're here only temporarily. And a permanent house is not going to help us it's not

01:12:52--> 01:12:55

yeah you alladhina amanu Oh, you have believed

01:12:56--> 01:13:07

and Medina amanu. All you people who have Eman. If you have the man then you must do what Allah has commanded you to do. You must prove you're human.

01:13:08--> 01:13:21

And remember the address? Yeah, you alladhina amanu What does that show? That the command that has been mentioned? is a requirement of a man you must do it. Otherwise your mind is incomplete. It is deficient. There's something wrong in your email.

01:13:22--> 01:14:11

Yeah, you are letting me know it duckula fear Allah, Fear Allah and what does it mean by that the core of Allah, then out of the fear of Allah, a person stops doing what Allah has forbidden. And he does that which Allah has commanded. So fear Allah whether Will my Buckingham in a river and leave whatever is remained of river leave it don't take it anymore. don't consume it anymore. don't deal with it anymore. Don't pay it anymore. Stop the transaction now. Whether Roma documentary by the who is from the roof letter as well then or what? Whether a yellow means to leave something, to abandon something to leave it as it is. So what are leave it that's it, finish it, discontinue receiving

01:14:11--> 01:14:28

Riba abandon the river that people still owe you. When Upon hearing this comment that Hama river, what a rumor about the Yamuna River, in control mode, meaning if you're truly believers, meaning if you're truly believers, then you must stop dealing with river

01:14:29--> 01:14:35

and if you continue dealing with river, then there's something wrong with your email. Your email is questionable,

01:14:36--> 01:14:45

because the condition has been put in control meaning if you are truly believers, if you're truly relievers, stop giving and taking river

01:14:46--> 01:14:52

when this verse was revealed, the prophets are allowed is Allah abolished interest within his family.

01:14:54--> 01:15:00

We learned that before these verses were revealed. There were some other verses regarding Duba that had already been

01:15:01--> 01:15:24

As I mentioned to you earlier, that whatever wealth that you've given river, so that it increases, it doesn't actually increase in the sight of them. So there were many other verses that were revealed before these verses, which discouraged taking labor, or condemned taking river ensured that there is no bottle cut in taking paper. However, livo was not completely forbidden initially.

01:15:25--> 01:15:32

And what happened was that many Muslims left rubber, but still, there were some Muslims who were dealing with rubber.

01:15:33--> 01:15:33

Why?

01:15:34--> 01:15:39

Because a clear prohibited the word how llama had not been used.

01:15:40--> 01:15:55

And we learned that about two tribes of belief and Benny Oliveira from the tribe of runamok Zoo. Between these two tribes, the Salif and Mark zoo, they were outstanding transactions of Riba leftover from the time of God.

01:15:56--> 01:16:36

When Islam came, and both these tribes became Muslim, the thief required bunny to pay the rubber of that transaction. They said that Okay, fine. You still have to pay the river that we decided earlier. We made that transaction earlier. Yes, both of us have become Muslim. And because we made that transaction earlier, therefore, we're going to complete it and so you pay the Riba to us that you agree to pay on before. But what happened was that Benny lira said that we do not pay Riba in Islam and are taboo say the prophets of Allah sort of the deputy yarmulke, he wrote a letter to the Prophet sallallahu Sallam about this matter. And then this I was revealed, that all you who believe,

01:16:36--> 01:17:10

Fear Allah and leave river, don't take river, don't give river anymore. Stop it now in control meaning if you're truly believers, and the Prophet sallallahu Sallam at the time of purchase, and what that what he did was that he completely abolished the river, which was prevalent in his family, as we learned that the Prophet sallallahu Sallam said that all cases of labor during the time of jelenia are an old and under my feet, meaning they're completely finished. They're not going to be continued anymore. And the first river I know is the river of our bass. Who was he the Prophet sallallahu uncle.

01:17:11--> 01:17:24

So if anyone had to give it back to them, they were told not to do so anymore. What do we learn from this, the Prophet sallallahu sallam. After the revelation of this verse completely banned, Riba completely banned

01:17:25--> 01:17:40

that all the previous transactions as well, the previous deals as well, they were stopped, the river was stopped. And secondly, we also see that the profits are the ones that have implemented this first were in his family,

01:17:42--> 01:17:44

in his family, at home.

01:17:45--> 01:17:49

So we all need to look at our families as well, our houses as well.

01:17:50--> 01:18:34

And we need to stop the river there first, for inlanta falou. If you do not do, meaning you do not do what you have been commanded. What is it that we have been commanded that it was a rumor that the Yamuna River if you don't do this, then the news will be heard women, Allah He wore a suit he then be informed of a war against you from Allah and His Messenger, be prepared for a war with who, with a lightest messenger? If you continue to deal with river despite knowing that it's absolutely unacceptable it is how long there's no way there's no way of justifying interest and the person who justifies it. What does the law say that Allah has made river how long and bear is Helen,

01:18:35--> 01:18:47

there's no way of justifying it. But if you try to justify if you try to continue it, then be prepared for a war with a lightest messenger. further than the word further notice from Hamza de Lune.

01:18:48--> 01:18:53

From the word Odin, what does that mean here? And what does it do?

01:18:54--> 01:19:16

It allows you to hear so for the new meaning, hear this, no of this. Be aware of this, be warned about this, put this in your heads, know about this, get ready. Have your teen have certainty that you are going to help you are going to battle war with who? Allah and His messenger

01:19:17--> 01:19:22

and if a person tries to fight against Allah, is he ever going to win? No.

01:19:23--> 01:19:26

Fight against his messenger is he ever going to win? No.

01:19:28--> 01:19:33

This is something very serious it's a severe warning because a crime is very great.

01:19:34--> 01:19:55

So fear a lot and leave it what interval and if you all repented meaning you stop dealing with river taking and giving fella con Russo unwelcome then for you are the principal amounts of your wealth. Rose is a Florida rocks and ruts literally means head. But figuratively the word rocks is used for the foundation, the origin of something

01:19:56--> 01:19:59

because if you think of it, the head if it's amputated, the person cannot turn

01:20:00--> 01:20:00

anymore.

01:20:01--> 01:20:11

So it says the foundation of something just as I mentioned to you earlier, that sort of Hekmati mahatama, the rocks, the head of wisdom in the foundation of wisdom is what?

01:20:12--> 01:20:16

Muhammad Allah? What does that mean? fear of Allah.

01:20:17--> 01:20:27

So final Komodo, also a monocle, for you are the principal amounts of your wealth. What does it mean by this, that you may keep your principal amount?

01:20:29--> 01:20:59

So for example, if a person lent some money to another, and it was decided that the person who has borrowed the debtor, he is going to pay a certain amount of interest. What does Allah say? Stop, so that person decides to stop, that he's not going to take interest anymore. Now, does it mean that he's not going to take back the actual amount that he lent? No, he is going to take back the actual amount that he lent, but he's not going to take any interest on top of that,

01:21:00--> 01:21:31

no interest on top of that. So Falco, squalicum, the initial amount, the capital amount, the principal, you can keep that left as the Mona, this way, you will not be doing any loan on who on the debtor on the one who has taken the loan from you, how will you be doing one by taking interest by charging interest? So when you don't charge interest, you will not be doing any loan? The one that is number one, and you will not be wronged either? What does he mean by that, that when you will receive your principal amount, then you will not be treated unjustly.

01:21:32--> 01:21:34

And this is a justice of Islam.

01:21:35--> 01:21:41

This is a justice that our last panelist is teaching us that whatever you give, you have the right over it, but don't charge extra.

01:21:42--> 01:21:46

And whatever a person gives, he has the right to take it back info.

01:21:47--> 01:22:31

Well, in Canada, we're selecting and if the person meaning if the debtor, he is lower sweating, or sweating is from restrain seen. And what does that mean? difficulty it's the opposite of use, user is ease, and it is difficulty. And over here in particular, this refers to financial hardship, financial difficulty, that a person is suffering from poverty, a person has taken a loan from you, maybe to have a business but what happens, the business suffers loss, he's not making any profit. So how is he going to be able to pay you the loan back? How is he going to be able to return the loan to you, he's not able to. So if the debtor is in a state of financial hardship, financial

01:22:31--> 01:23:12

difficulty, then what should the creditor do? What should the person do? Who has lent the loan to him? Finally, I don't so arrest fight, LMA solo, until the time of ease nelida is from numata. Another means to look at nelida is a postponement. deferment, rest, bite delay, so delay, meaning then you must delay until when Illa Mesa mesa is from use, and may set up means time of his time of prosperity, time of comfort. So basically, if the debtor is having a hard time, he's not able to pay you back the loan that he took from you,

01:23:13--> 01:23:24

because of some hard times because of financial constraints, then what should the creditor do? He should give more time to who did the debtor,

01:23:25--> 01:23:30

he should give him more time so that he can return the note.

01:23:31--> 01:23:36

So what do we learn over here, that Allah subhanaw taala is teaching us compassion,

01:23:37--> 01:24:06

that first of all, you should give sadaqa when if you decide to give a loan, and if the other person agreed to pay you back the loan at the particular time, but he's not able to then have some hearts have some compassion and give him some more time. And we see that river is the exact opposite. Sometimes, if a person is not able to pay the loan back, he's not able to pay the interest what happens the interest rate increases. And sometimes the other person has to go and get another loan on interest so that he can pay the creditor

01:24:07--> 01:24:47

or they completely confiscate your assets so that you're left with nothing, you've become completely bankrupt. You didn't have anything in the first place. And now you're bankrupt. What does Allah say? Give him more time. Have some compassion, have some mercy on the other person. But what does Allah say after well under sodoku, but if you give sadaqa if you forfeit your right to completely, when you don't take the loan back, you give the card to the debtor hiren. Luckily, it's much better for you in contempt alimony. If you only knew if you forfeit your debts and cancel them completely. It's much better for you. How is it better, there is much more reward. And how much is that reward. We

01:24:47--> 01:24:59

learned from a hadith. The profit sort of artist Adam said, whoever gives time to a debtor facing hard times, will gain charity of equal proportions for each day that he gives

01:25:01--> 01:25:05

So for example, somebody was supposed to return $1,000 back to you.

01:25:06--> 01:25:12

And they're not able to return the money to you within the agreed time, let's say the agreed time was one month.

01:25:13--> 01:25:17

And you say, okay, fine, I'll give you another month, you can pay me back at the end of the next month.

01:25:18--> 01:25:19

What does he say?

01:25:20--> 01:25:34

That he will gain charity of equal proportions for each day that he gives rest by so it is as though for those 30 days of the month, he gave $1,000 in charity every single day,

01:25:35--> 01:25:41

every single day $1,000. That's how much 30,000 at the end of the month,

01:25:42--> 01:25:49

each day that he gives us fight, each day that he delays the return of the known. It's as though he has given that to the,

01:25:51--> 01:26:00

from another Hadith, we find out that whoever removes the worldly hardship from a believer, Allah will remove one of the hardships of the Day of Resurrection for him.

01:26:01--> 01:26:42

If you try to help out somebody today, and remove his difficulty today, in this dunya, Allah will remove your difficulty on the Day of Judgment. Whoever grants respect to a debtor who is in difficulty, Allah will grant him relief in this world, and also in the Hereafter, benefit in the dunya. And also in the afro, whoever conceals the fault of a Muslim in this world, a lot will conceal him his faults in this world, and also in the Hereafter, Allah will help a person so long as he is helping his brother to hate Muslim, that whoever helps another ally is going to help him. We learned from another Hadith which is mentioning Muslim,

01:26:44--> 01:26:56

then whoever gives time to his debtor, or forgives the debt, gives time to the debtor or forgives the debt will be in the shade of the throne of Allah on the Day of Resurrection.

01:26:57--> 01:26:58

Where will you be

01:26:59--> 01:27:05

in the shade of Allah stone on the Day of Judgment, look at the reward. Look at the benefit.

01:27:06--> 01:27:13

Forgive, be charitable, be generous, and reap the benefits in the dunya. And also India.

01:27:15--> 01:27:50

We learn from another Hadith which is mentioned in Buhari for they first said that I heard the messenger subtle notice that I'm saying from among the people preceding your generation, there was a man whom the Angel of Death visited to capture his soul. So his soul was captured. And he was asked if he had done any good deed. He replied, I don't remember any good deed. He was asked to think it over. He said, I do not remember except that I used to trade with the people in the world. And I used to give a recipe to the rich and forgive the poor among the debtors. So Allah made him enter Paradise.

01:27:51--> 01:27:52

Why?

01:27:53--> 01:28:01

What did he do? He gave rest fight to the rich to those who could afford eventually. And as for the poor, he forgave them completely.

01:28:02--> 01:28:21

The other half the styles is that a man used to give loans to the people and used to say to his servant, that if the debtor is for forgive him, so that Allah may forgive us, if the debtor is for he cannot afford to pay you, then forgive him so that allama forgive us. So when he met Allah after his death, Allah subhanaw taala forgiving.

01:28:23--> 01:28:28

So we see that in our Deen, there is great encouragement, of being charitable,

01:28:29--> 01:28:48

of looking at the need of the other person, have some compassion for him. give charity if you don't want to give charity, give a loan, don't take rip on it. And if he's unable to return the norm, give him more time. And if he's unable to pay back, forgive him. It's much better for you a lot promises you reward for that in the dunya and also in the Akela

01:28:49--> 01:29:25

what the whole Yeoman and Fira de which they torture una Fie the law in which you will be returned to Allah. this dunya is not eternal. This life is not forever, you're going back to Allah. So Matter of fact colonna, America sabato, whom law, US law, moon, and then every person, every single person colonus, every single soul will be compensated for what it earned Microsoft and they will not be treated unjustly at all, look at the word to a fair What does to a family, from welfare to completely and fully give not leave anything out?

01:29:26--> 01:29:57

Makkah Sabbath and what is cost? Anything that a person earns through some labor, whether that labor is mental, physical, intellectual, whatever, every single thing that a person has earned, that a person has acquired, he will be paid back for it on the Day of Judgment lahoma Yoga moon and they will not be wrong at all. So remember your destination. Remember where you're headed to and prepare for that destination. Don't get lost in the journey. Don't get lost in the dunya prepare for tomorrow

01:29:59--> 01:29:59

that specifically

01:30:50--> 01:30:51

What

01:31:11--> 01:31:24

if we really focus on the fact that we will leave this dunya someday, leave this house someday leave all this money that we have collected someday, then we're not going to care about what we have what we don't have,

01:31:25--> 01:31:34

then we're not going to care about whether I have a bigger house or not. Whether I have a better job or not whether I have a bigger car or not a better car or not, no, we're not gonna worry about that.

01:31:35--> 01:31:42

What taco Yeoman torture una de la la fear a Day when you will be returned to Allah.

01:31:43--> 01:32:12

The day of accountability. So much wafaa colo nopsema cassava, every person is going to be given what they deserve, will home lay on the moon. And we know that every action that a person has done, he will be recompense for that mark. So but physically, what did you do with your hands? Your children? What kind of phobia? Did you give them? Your knowledge? What did you do with it? your wealth? How did you acquire it? Where did you use it? What did you do with it?

01:32:13--> 01:32:25

So Matter of fact, coloane have some markers about whom they use the moon. Nobody's going to be treated unjustly. Everybody's going to be given exactly what they deserve to focus on the destination.

01:32:27--> 01:33:02

The previous verses we learned about spending money in the wave. And over here, when we spend money, we're partying from it. It's separated away from us. It's a habit that you have put in the ground. It's away from you now. But what does Allah say? So much more Falco, Luna, say Matt cassava, you've actually earned it for yourself in the hereafter. And everywhere that Mac is about refers to everything that a person has earned of good and also bad acts of obedience as well as acts of disobedience. So you have the opportunity to give sort of, are you going to do that? Or are you going to do something else take rebuy instead give the buy instead?

01:33:03--> 01:33:06

maca submit everything good or bad.

01:33:07--> 01:33:09

Let's listen to the recitation.

01:33:11--> 01:33:14

la una una de

01:33:18--> 01:33:19

la dee da

01:33:55--> 01:33:56

una

01:33:59--> 01:33:59

de

01:34:04--> 01:34:06

la de Missa de

01:34:09--> 01:34:11

la luna

01:34:13--> 01:34:15

AP

01:34:27--> 01:34:28

level

01:34:51--> 01:34:53

meaning the

01:34:58--> 01:34:59

law

01:35:01--> 01:35:02

What is to be

01:35:19--> 01:35:19

done?

01:35:30--> 01:35:34

Joe Jonas, he no longer