Taimiyyah Zubair – Taleem al Quran 2012 – P03 037B Tafsir Al-Baqarah 275-276

Taimiyyah Zubair
AI: Summary © The speakers discuss the concept of "interest" in Islam, which is the ability to give or take money. They emphasize the importance of avoiding "has been given" and avoiding "has been taken", as it can lead to violence. They also discuss various verses and moments in history that prove the severity of crime related to consuming interest and the importance of giving interest to someone and not just paying it off. The speakers stress the need for people to avoid negative behavior and avoid getting caught up in a situation, as it can lead to mental health issues and negative consequences.
AI: Transcript ©
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Are the bIllahi min ash shaytani R rajim Bismillah R Rahman r Rahim

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lesson number 37 Surah Al Baqarah will begin from iron number 275.

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After mentioning the reward of spending in the way of Allah subhanaw taala, on humanity on the needs of others, when this character is developed in us, this character of giving, sharing well wishing, being concerned for others. Now, Allah subhanaw taala mentions the exact opposite of spending, which is receiving, taking and taking what, taking interest.

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Allah mentioned the people who spend day and night openly and secretly, that their reward is preserved with Allah.

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And now, Allah mentions about the sin, the evil consequences of taking from people, but taking what from people, riba interest,

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interest is the exact opposite of info, River is the exact opposite of info, that instead of giving to a person who is in need, what is the person doing, he is taking from him more than what he can afford? When a person is a need? What does he do? He goes to others borrow something from them. Why in order to fulfill his need,

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if a person is in that desperate situation where he has to, he's forced to spread his hand out before others, in order to borrow from them, what have we been encouraged to do as muslims spend on him, help him give him charity,

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but a charity is not being given and be when something is lent to him. Then what is expected of him that he returns the loan, and on top of that, he gives more. So you're not just taking from someone who is in need, but you are exploiting him, you are making use of his desperate situation,

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you are asking him for what he cannot even afford, you can afford to give you can afford to borrow it from your money and you are expecting from someone who cannot even afford,

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you are expecting him to give you what he does not even have what he cannot even afford, this is River, this is interest. And this is the reason why it is forbidden.

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It is a major sin,

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our wealth, the money that we own, the possessions that we have, are given to us by who Allah subhanaw taala.

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Therefore we can do with our money only what Allah is pleased with, which means that when we acquire it, or when we spend it or when we use it, we should do all of this in the way that Allah likes that Allah approves off. And if Allah does not approve of it, we cannot do that.

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So we see that earning money through Halal means permissible, a rewardable act.

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But earning money through haram means earning money through riba through interest. That is something forbidden.

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Even if we say, everybody deals with interest, everybody gives and takes interest. You can't even have money in your bank, except that you receive interest on it. Even if everybody does it, remember, your money is given to you by Allah. So you can only do that with your money, what Allah approves off, because we are servants and he is the master.

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We are creation and He is the Creator. We will be questioned and he will not be questioned, he will instead question us. We are accountable for all of our deeds including our financial transactions including our financial decisions, we are answerable to him.

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Now in these I asked

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the prohibition of interest as mentioned

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that interest Riba is something that is haram.

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And I'm not saying something that is disliked something that is not that good. No, it is something that is haram. How raw Elif mean, which means that we as Muslims cannot at all partake in it in any way whatsoever.

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Interest consuming it dealing with it is a major sin. It's a major sin. It's not just a sin. It's a major sin. It's a destruct

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Tip sin that will lead its consumer to hellfire.

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It doesn't matter if that consumer has done Hajj. It doesn't matter if he has given a lot of sadaqa it doesn't matter. If he consumes River, he consumes interest that interest is going to take him to hellfire. This is why the Prophet sallallahu alayhi wa sallam said, each 10 Eboo stay away from avoid the seven destructive sins.

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The people asked what are the seven destructive sins or messenger of Allah? The messenger of allah sallallahu Sallam replied, a ship biller. The first destructive sin that destroys a person is what a ship Biller, associating partners with Allah subhanaw taala. Secondly, said magic performing magic. paying someone to perform magic practicing magic haram. It's an action that will lead a person to hellfire that will ruin him that will destroy all of his good deeds 30 kutlu knifes killing a soul which Allah has forbidden meaning an innocent person killing him. This is an act that is forbidden as well. Well, occlude Riba and consuming interest consuming interest. This is also a major

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destructive sin and consuming the wealth of the orphan and running away from the battle. Running away fleeing from the battle. This is also a major sin and accusing chaste women accusing chest women of what of adultery or fornication women who cannot even think of doing anything like that, accusing them of committing haram. These are seven destructive sins that will lead a person to hellfire

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of them is river consuming interest. One of the scholars said that there is no major sin against which such great and severe warning is given, except in the case of riba except in the case of river River is one of those major sins concerning with such severe warning is given that you can't compare to any other major sin obviously shouldn't biller understood, but other than that, no major sin is as bad as the consumption of Riba. Listen to the Hadith, the Prophet sallallahu sallam said that Allah has cursed the consumer of Riba, the one who consumes riba Allah has cursed him. What does it mean? This person is far from the Mercy of Allah, where's the Mercy of Allah in Jana? This person is

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far removed from paradise. He's not going to Paradise, who killed River, the one who eats river the one who consumes River and not just the consumer of river, but also the one who records that transaction, the one who witnesses that transaction, the transaction in which Riba is involved. The one who writes it records it witnesses is the one for whom that transaction is being made. Every person related to interest is cursed by Allah.

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The Prophet sallallahu alayhi wa sallam said, One night I dreamt, the two men came, these are angels, and they took me to the Holy Land, meaning vital muchness. From where we proceeded on until we reached a river of blood.

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The Prophet sallallahu sallam was shown many matters of the unseen. Why? Because he was the conveyor. So he had to see the unseen in order to pass that knowledge on to others in order to convince us of it. So he was taken to he was shown a river of blood where a man was standing, and on its bank was standing another man with stones in his hands. So a person in the river of blood, and another on the side, with stones in his hand.

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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 man would throw a stone in his mouth and force him to go back to his former place. And that's how the river was a flood. The Prophet sallallahu Sallam asked Who is this? And he was told the person in the river is the one who consumes Riba. This is the fate of those who eat interest, those who live off of interest money.

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The Prophet sallallahu alayhi wa sallam said Riba is 70 types, meaning it has various levels, the least the least of which equals one having Zina with his own mother.

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The least level of river

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the least level of Riba is as though a person has committed Zina with his own mother. And this is a Hadith which is so here. It is quoted in Ibn magia and she Albani he has said that this hadith sahih it is completely authentic, so have no doubt about the severity of this action.

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It says though a person is committing Zina with his own mother, the Prophet sallallahu alayhi wa sallam said, One day hum of Riba, one day home $1 of river that a person devours while knowing that it is River. He uses it while knowing that yes, this is interest. It is more severe in crime than 36 acts of Zina. Multiply that by 36 acts of Zina, that is a severity of the crime of consuming $1 of labor. This hadith is also so here, it is reported in western Oklahoma, and Shia Kobani has said that it is so here and there are many, many more Hadees that tell us how evil how severe this act is.

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How hated this action is, how disgusting this financial decision is.

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That how a person falls falls in the sight of Allah when he makes a decision to consume interest to take ribber

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how his good deeds are destroyed, how that rubber is going to drag him to hellfire.

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There are many verses that prove how loathsome how terrible this action is.

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It is not just mentioned in the Hadith, but even in the Quran. Allah tells us about the severity of this crime. Allah says Allah venia coluna Riba, those people, those individuals who eat Riba who consume riba yeah Kelowna is from Akela, Hamza calf lamb, and akana is to eat something.

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So they eat. What do they eat? ribber why has this been said that they eat ribeye? What does this eating indicate? This eating refers to receiving the Riba

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taking River using river benefiting from it, dealing with it, earning profit, earning money through River.

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This is what your Karuna rebel refers to, because the prophets are honest and I'm sad that Allah curse is the one who accepts Riba, the giver of Riba, the giver not just the receiver, but the one who pays interest as well. Allah curses him, the two witnesses of it, meaning those who witness the transaction of labor, and the one who writes it, the one who records it, Allah curses such individuals. So don't be mistaken. Don't think that yeah, Kelowna River, this is talking about those who consume meaning those who receive interest so it's okay to give interest No, it's not okay to even give interest it's not okay to even pay interest. Even that is not acceptable from a believer.

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Because the Prophet sallallahu Sallam cursed both the giver and the receiver, the one who writes and the one who witnesses

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in so he had these witches and Muslim, the Messenger of Allah Allah said, I'm cursed the one who accepts Riba and the one who pays Riba, the one who accepts it and the one who gives it because no one can accept it unless and until the other party agrees to pay it. No one can take it unless there is someone to give interest. So both are equally responsible, not just the loan sharks, but also those who agree to pay interest. So Alladhina yet coluna Riba, those who consume River, those who live off of interest those who deal with interest.

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And notice how a color that color has been said, why a color, because the majority of what we earn goes wear into our tummies. The majority of what we earn, we end up using that money, we end up eating that money. And Accola also shows greed on the part of the one who is dealing with interest that he saw greedy, he saw hungry, he has something but yet he wants more. He's not satisfied with what he has. So he wants more and more. So he's eating consuming, hungry greedily. He's never satisfied

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and Lavina yet Karuna. Reba.

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The question is, what is River? What is interest?

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The river is from the letters raw that well. Robot your blue means to increase. When something increases. We have read the word rubber

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Earlier go Martha Lee Jan nothin be Robert in a high land Hi.

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So likewise Reba, that which has increased

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definitely in the shanira River refers to could look or when Giovanna fine fun for Hawa ribbon every loan that draws a profit on it that is riba

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meaning anything that you lend to someone, you let them borrow it.

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But in particular, this is talking about money, God. And on top of that, you take more.

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So, for example, a person lends $1,000 to someone and says, when you give it back to me at the end of the year, you're gonna give me $1,050 What's that $50 Riba? That is interest.

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A person takes money from the bank to buy a house, he takes $400,000 and the agreement is that by the time he pays off the loan, he will have paid $500,000 or $450,000 that additional $50,000 that additional $100,000 What is that Riba?

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A person takes a loan in order to pay for their school.

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So they take $20,000 from the bank and they are told by the time you complete your degree a year after that, you have to pay back these $20,000 And on top of that, you also have to give $2,000 So that $2,000 What is that Riba? Interest, call it what you want. It is interest, it is riba according to Islam.

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And Lavina coluna Riba, those people who consume interest, so interest is basically making money on money. It is a fee or a fine that is paid on borrowed money. It is the addition upon the principal amount that was lent to someone.

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However, small or big, it may be, even if it's point 5%. Even if it's 2% or 20%, whatever it may be, it doesn't matter. It is Riba.

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So if you have money sitting in the bank account,

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and on that money, interest is coming and that interest is five cents a month, that five cents, what is that? rebar

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that five cents is rebar. And because of those five cents because of those $200, because of that $2,000 Because of that $50,000 Because of that $100,000 That is paid extra to the one who gave you the money. Because of that. Even though it's a very small amount,

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that entire transaction becomes a major sin.

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That entire action becomes a major sin something that is enough to destroy all of our good deeds, something that is enough to take us to hellfire.

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A Lavina coluna ribber Allah says La Jolla ko muna such people they cannot stand they will not stand in there except karma Yakumo just as he stands, who stands and levy yet the hub Babu che la luminal mus the one who has been driven to insanity by the beating of shaitan.

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Yet the Humberto is from the root letters horrible thought and hugged is such severe verb. It's such a severe strike that causes damage, it is to hit something or someone so badly so severely that you end up bruising them or they're born into breaking. This is what humped is

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the Humboldt is to strike to hit to beat senselessly and violently like a camel stamps. It's four feet on the ground, or a person hits tree branches, or shakes the tree branches in order to get the leaves off.

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This is what the hub book is, The Hobbit is also covered a belay is to travel by night in darkness randomly that a person is walking here, then he's walking there, then he's falling and he's getting up

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and the habit of shaitan. The habit of shaitan is when a gin or a Shavon has hit someone has physically a

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affected a human being, so much so, that that person has gone crazy,

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that person is possessed, have you ever seen in real life or in a video, a person who is possessed by the jinn,

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how is he acting, how is he talking? How is he screaming, how is he behaving, he is not using his mind, he is as though lost his mind, he is physically affected, physically affected emotionally mentally, he cannot function properly. So, those who consumed river there will not stand except like the one who has been beaten by shaitan driven to madness, like that person stands.

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Yet the hub buckle was shaped on aminal mus al mass is from the root letters meme seen seen and must is to touch

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and this touching is the hitting the beating the striking of shaitan the effect of shaytaan on a person the physical effect on him.

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So, in other words, the person who consumes rubber is like image noon person, like a mad person, like a person who is possessed by the demons by the Shavon.

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Allah says over here lay your kimono they will not stand or they do not stand. What does it mean by this?

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Two meanings. First of all, that right now, people who consume river who deal with interest, they are like those possessed by the shale clean, like those beaten up by the shaytaan. How that the one who consumes interest, he does not use his mind anymore. Just like the one who has been beaten by Chopin, he cannot use his mind anymore.

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He is out of his mind.

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He cannot reason he cannot think in a rational way. It has though he has lost consciousness.

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It happens that when a person is experiencing mania, meaning some mental illness, so much so that a person has literally lost his intellect, then sometimes people experience hypersexuality in which they expose themselves, they do things which they would never even think of doing otherwise, they say things which they wouldn't even say otherwise, they behave in a way that they would not behave normally. They lose control of themselves, they start behaving in an abnormal way. Such is the one who consumes interest, he is not using his mind. He is not thinking logically. Because tell me Is this a good decision that a person decides that I am going to consume interest and I am not going to

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go to paradise. I know that ribeye is haram. I know that it's as worse as committing Zina with your mother. I know it's as bad as committing Zina many, many times, but I will still take interest. If a person says that what would you say you're insane? You've lost your mind where is your reason?

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So those who consume interest are like those who are possessed by the demons are like those who have lost their minds.

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Other scholars have said that this is describing the state of such people on the Day of Judgment.

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On the Day of Judgment, when the Trumpet will be blown, people will rise from their graves and as they rise from their graves, they will hasten rush towards the place of hasher the place of gathering. But the river eater, he will stand up like a person who has been possessed by the shaft lean, like a person who doesn't have any control over his mind and his body. So he will stand and fall he will walk and he will fall. He will not be able to walk straight, like a person who is drunk like a person who has lost his mind.

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So their humiliation, their punishment will begin from the moment that the day of judgment will be established from the moment that the trumpet is blown, their punishment, their disgrace, their humiliation will begin who those who consume interest those who deal with interest.

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Those who indulge in it, their punishment will begin from that point onwards.

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Some scholars have said that what this means is that yeah, Kelowna, Reba, they're consuming interest so all the labor that they're eating, they're consuming on the Day of Judgment, when they're resurrected that river will take a physical form. So it has all their bellies will be full of the rebar that they have consumed full of rebar that they have used.

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And as a result, they will not be able to walk. They will not be able to stand up straight. They will

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not be able to even run to the place of gathering.

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This is why someone will have to drag them. drag them to the place of Hashem in the Quran Allah says, Set a con where Shahid says the one who drives the one who drags

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like a person who has lost his mind who is possessed by the demons. Then what happens? They make him unconscious, and then they drag him.

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They take him wherever they want to.

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A Lavina yet Karuna Reba, Leia ko muna INLA como Yakumo lady, yet the habita who Shantanu minimis.

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The Prophet sallallahu alayhi wa sallam said, I came across some people in the night in which I was taken to the heavens. Their stomachs were like houses were in were serpents, meaning their stomachs were like houses huge, full of snakes full of snakes, which could be seen from the front of their stomachs. So I asked, What do you read? Who are these people? And he replied, these are those who devoured interest.

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Even our best will be lower and who said on the Day of Resurrection, those who consume river will be resurrected while insane and suffering from seizures, suffering from seizures. Why?

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There Lika that is because Allah does not punish someone with injustice know if Allah ever gives a punishment to someone, it means that they deserve it. valleca this humiliation this disgrace this punishment? Why be unknown because indeed their meaning the river consumers all knew they said, enamel Bayero Missler River. Indeed, Bayer is just like rubber.

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Instead of accepting Allah's decision that Riba is haram, you're not allowed to consume it. Instead of accepting it. They come up with reasons and excuses to allow themselves to consume Riba. They come up with a list of reasons to make riba halal for themselves.

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What's one of them, they say? Trade is just like rubber vejer from the letters by Bayer is to buy and sell for the purpose of profit that what you have you sell it why is that you can make more money. So likewise, I say that Bae is just like rubber, that you have something you give it to someone, you sell it, you make profit on top of that. So likewise money, you lend it to someone and you make profit on top of that. They say in the mulberry aromas LA River, why do they say that? Because when a person has lost his mind that he cannot reason he cannot use his intellect properly. So this is an evidence that they have truly lost their sense of reason. They are not using their

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mind properly in the Malbay or missile river. And also technically they should have said Indeed river is like bay because they're trying to prove that advice. Okay. So they should have said river first and bear next. But the fact that they're saying Bay first and river next to chose their mind is not working properly. in Namibia or mythical River, this is what they say. But Allah says how can it be the same? What 100 Allah will be you will have a riba they can never be the same trade and consuming interest can never be the same. Why? Because Allah has made their trade halal. And he has made interest haram a halal Allah who will bear will have Rama Riba

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and when Allah has made something halal, and another thing haram, can they ever be the same? No, they can never ever be the same. Uh, hello Allah who will be our wahama ribber.

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Notice the word how Rama

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haram. This shows us very clearly that consuming, taking paying interest is something that is forbidden.

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It is something that is not allowed. The word Haram has been used. So end of story, no questions asked. No ifs and buts. It is haram. That's it.

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It's mentioned clearly in the Quran. It's mentioned clearly in the Hadith there are approximately 44 Zero a hadith that tell us about the prohibition of riba and there is a huge market consensus amongst the scholars, that river is something that is forbidden or immobile or and when he said that the idea about riba was one of the last verses to be revealed, what does that mean? It was a final command. Nothing came after it, canceling it. No, it was a final command. What that Allah has forbidden interest, and he has allowed trade why

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because there's a huge difference between the two

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from a Jetta who Marilla to middle up be then whoever Jetta who it came to him what came to him mo electron and advice a warning, meaning whoever receives the warning Mirabai from his Lord, then what should he do fun the * then he stopped into her noon higher. Now he is to stop and empty here is to stop oneself. So into her, he stopped himself meaning he refrained, he stopped dealing with interest. From that point onwards

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whoever received the warning and that's it he made a decision I'm not dealing with interest anymore. Then this person, Allah says fella who then for him, masala for whatever has passed Salaf team lambda and self is that which is over Santa Fe's to be over a SLAF seller for buyers, predecessors and sisters because now they're gone. So my seller for whatever has happened before. Meaning that person does not need to calculate how much interest he dealt with before in the past in his ignorance, and he doesn't need to give it back or take it or whatever. No, he doesn't need to do anything about whatever has happened. Whatever has happened, that is over. Now what you need to do

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is stop dealing with interest, Fanta, her fellow who myself what am Rahu in Allah and his affair is with Allah. Meaning now his affair rests with Allah. It is up to Allah to forgive him or to hold him accountable.

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Forgiveness is not guaranteed. Whatever happened in the past, yes, you change your ways, but still, it's not guaranteed that you'll be forgiven. What Unruh Illa Allah, the matter lies with Allah, Allah who will decide if he wants to forgive the person or he wants to hold him accountable.

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Woman either and whoever returns meaning after knowing the warning, after knowing about the prohibition of riba still he goes back to consuming interest dealing with interest. He doesn't change his ways woman either, and other from the route that resigned while dal, whoever returns to dealing with the same mess, eating the same haram filling his stomach with snakes. Whoever continues to do that, for Ola equals Harbin.

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Then those are the companions of the Hellfire homefree her Holly dune they will abide in it forever.

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Holly dune ones who abide eternally they will be in the Hellfire eternally. What does that mean? That Allah will not purify them that this crime is so great, it is so severe that the punishment for it is also very great. And what is that punishment hellfire.

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This is river.

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The river by which we are surrounded

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the river on the basis of which we buy houses. We get our education. Sometimes we buy our groceries, sometimes we buy our clothes in our shoes. Sometimes we pay for our trips. Sometimes we drive cars that are based on Riba. And this idea tells us very clearly that this is not a small thing. Liber is haram and it leads to hellfire. It's a major sin.

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It says though a person has been possessed by the shale clean, a person has been physically hurt by the shale clean.

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This is why Allah says that the one who receives the warning, who finds out that it's not allowed, then he should discontinue dealing with interest and the one who does not the one who continues in his old ways he does not change than for such a person as hellfire. homefree her Holly dune

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yet after all this, you will hear that your situation is different. You need a house, you need an education, you need a car. So you are allowed. Have you heard of that?

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Of course. That's how we think everything is okay because we are in need. And we forget about these verses which Allah has revealed in his book.

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Things that are haram that are forbidden, yes, there are exceptional cases, when they are allowed when they do become permissible for certain individuals. Why? Because they are in the ruler, they have an extreme dire need, which if they don't fulfill they will die or they will suffer terribly. They have no other

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choice. That is what little rot means. This is just like you are starving to death. You have no food available, nothing to eat, except Except

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the dead meat of a human being.

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You're about to die. Then what has Allah subhanaw taala said that for money Torah than whoever is compelled out of necessity, then he may eat even that which is haram.

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We think about pork, we think about that human flesh.

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Even if we were starving to death, how many of us would like to eat that? Honestly, tell me, how many of you would willingly happily proudly eat pork? Because you are dying out of hunger? Raise your hand if you can do that. Happily, willingly eat that.

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But yet, yet, when it comes to buying a house on her arm, what do we say? Our situation is different. And we're so proud of that house.

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We're so proud of that house, which is why we're having parties there all the time. Which is why we so proudly say that this is our house now.

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We're so proud of that house. We are lying to ourselves, we're deceiving ourselves, when we say we are in need, and we need that loan to get that education, we are in need, and we need that loan to buy that house. No, you're not gonna die.

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You're not gonna die. You're not in a desperate situation. It's just that we have made certain standards for ourselves that by a particular age, we should have completed our education, even if that means getting it on her arm loan.

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No, who said that you have to do that. You can work part time, you can study part time pay off for your education as you study.

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If it takes double the time, doesn't matter do that. If it takes two extra years doesn't matter do that. So what if you're behind the rest of your friends, you don't want to be behind in Ghana. You don't want to be behind in the hereafter. We have set a standard, that you have to own a house who said you have to own a house. You don't need to own a house, you can rent.

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But renting is wasting money. You're not wasting money that rent that you give you fulfilling a need. And if you give it with the intention that you're fulfilling your obligation to provide for your family, that money is written as charity for you that $1,500 That $2,000 or $2,200 that goes in rent. What is that charity that has written for you? Every single month? Would you willingly give that charity every month? No, you wouldn't. When you give that rent, it's written as charity, you might say, but by the time I'm 40, I won't own anything doesn't matter. Allah is providing for you now he will provide for you later. You don't have to own a house. You don't have to.

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But we say we are in the euro. We are in a desperate situation. You are your best judge.

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You know what situation you're in. And if you are really in a desperate situation that ALLAH knows and you can tell Allah on the Day of Judgment. Oh Allah. Yes, I know ribeye is haram, but I had to consume it, I had to deal with it. Because I was in a desperate situation.

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When you make that decision,

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make sure you know what to say to along the Day of Judgment. Make sure you have an answer. Make sure you have something to protect you on that day and if you don't, don't even go near interest.

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Whatever happened in the past, a person should expect forgiveness from Allah subhanaw taala whatever riba was taken in the past, given in the past, Allah will forgive for that in sha Allah person should be hopeful. But what we learned in this is that a person does not need to give back or take anything, no whatever happened in the past, leave it as it is. Now worry about your future. Worry about your tomorrow worry about your Day of Judgment. Allah says in the Quran Kula yester will hobby Tabata you will know our agenda Kassala to hobbies say that the impure and the pure are not the same, they are not equal. Even if the abundance of that which is impure, appealed to you that

00:39:23 --> 00:39:59

there's impure everywhere. There is riba everywhere everyone is living in a house on mortgage and here you feel you're still renting a basement apartment and so many years, are you still renting an apartment, a house and so many years, you don't even know if you're going to have enough ever to buy a house on cash. And people say who buys houses on cash these days? You can't even afford to do that. And if you're buying a house on cash, you're wasting all of your cash. This is what people think. So even if Hobbes is everywhere, your neighbor, your relatives, your friends, your co workers are indulged in this haram. What does Allah tell you? Haram is not like *

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It's never ever the same,

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never the same, so stay away from it. Even if everybody's doing it, you cannot do it still. Well, no our job aka Catarratto hobbies.

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Allah says young Hakala who Reba Allah abolishes robber, he destroys River. Yum Haku meme how cough MAHAK is to a face to eradicate eliminate something. And it means to deprive something of blessing. It's in a tangible sense and also intangible sense that physically destroy something, reduce it, make it less so that eventually it's finished, in the intangible sense that what is there, there is no Baraka in it, no blessing in it. So even if it's there, it's of no benefit to a person, Yom Hakala, who riba labor Allah destroys that.

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There is no Baraka in that money. This has been understood a number of ways. First of all, the M Haku. Lucha Libre Allah destroys that how by making it haram. Allah wants to finish it about completely how by making it haram for the believers.

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But if we get sucked into the system of Riba, then are we unsalted Allah? Are we helping the cause of Allah by destroying Riba?

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Or are we working for the cause of shaytaan promoting riba increasing Riba?

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What are we doing? we deceive ourselves saying I am of the unsalted Allah I'm of the unsalted Allah yet the halal earned money that we get goes into money that Allah wants to destroy goes into a system that Allah wishes to finish. Yum Huck Allahu Liber. The second meaning of this is that Allah eliminates the blessing and the goodness of riba meaning the money that a person takes through interest. There is no blessing in it.

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And isn't it so that people buy houses on interest

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or get education on interest. And they spend years and years and years trying to pay it off? The father is working, the mother is working, the children are working.

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The person is working five days a week, sometimes seven days a week to make enough money to just pay off the month's bills.

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But he can't do that. There is no Baraka. Many people will be working to pay off one house yet they're not able to pay it off. Why? Because the am hookah LaHood Reba, your money will have no Baraka. If your Halal earned money is going into paying off interest, then you will have no savings at the end. Even if you do have savings at the end. Your money will not bring much good to you. Young Hakala horrible there is no blessing in that money. And we see this here that people are working constantly day in and day out. What do they have at the end? The hearts are empty. Their lives are empty. This is why they have to go party so often and get their mind off of their worries.

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They have to drink. People end up doing drugs. They're developing psychological mental issues. I'm not saying this is the only reason but this is one of the reasons stress is so common. What is that caused by don't have money don't have money, need money need money.

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Even though people have jobs still they don't have enough there is no Baraka, Yamaha Kumar, who Reba,

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there is no blessing at all.

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Another meaning of this is that Allah destroys the river, meaning the river that a person earns when he spends from it, the Nefer called the expenditure first and gets no reward, no reward whatsoever.

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So even if you spend all that money in charity, he gets no reward for that. It's impure money, Yamaha cola river.

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And on the other hand, while you're beside the card, and hola Casa saw the path to grow to increase your B. Rob. Well, Rob, what? What is that a highland, same route as ribber. Over here, UB means that he increases he gives more he causes to grow, what the further cause? How does he increase and cause the car to grow? First of all, by commanding the believers to give sadaqa by encouraging that we give sadaqa so many verses are revealed in the Quran that tell us about spending, spending in the way of Allah spending on other spending on the needy giving. So you'd be sort of caught, this is what Allah promotes. Allah does not want us to become selfish people but rather giving people he

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

wants us to give to share your this other card. The second meaning of this is that Allah puts Baraka in that money, that when a person gives even a little bit in charity,

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Then the halal money from which he given charity, that money is also sufficient for him, that money is enough for him. In fact, he can do much more with that money compared to what other people can do.

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So, for example, there are two people, one person is earning $60,000 a year, another is earning $40,000 a year, the one who's earning $60,000 A year he's paying off interest. So every month $500 to 1000 goes in paying off interest, and the one who's earning 40,000 He's not paying off any interest at the end, who will get more value out of their money, the one who's making less money, the one who's not paying interest, and on the other hand, the one who's making more money, but yet paying off interest, he will not get much out of his money. Why? Because in his money, no Baraka but the one who is earning Hallahan money from it, he is giving in South Africa, not in river, that is

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the one whose money will have Baraka in it. When you will be sadaqa Allah causes other cars to grow to increase. And the third meaning of your Visa card is that he greatly rewards so the cost how much seminary times to more than that. So yum Hakala, who Reba where you will be sada God

00:46:21 --> 00:46:39

will la hula you Hibou and Allah does not like Kulluk affair in a theme. Every person who is disbelieving, ungrateful and sinful. The word Kufa is the intensified form of the word Cafayate.

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And remember that Kufa does not just mean disbelief, Guevara, is to cover so it also gives meaning of ingratitude. So Kufa is not just one who is a staunch disbeliever. No, it's also someone who is extremely ungrateful, extremely ungrateful person and a theme, the one who commit sin, this is also an intensified form of athame, that they want to commit sin, but a theme, one who commits a lot of sin. So Allah does not like those who are extremely ungrateful and extremely sinful. Why are these two attributes mentioned over here? Because when a person deals with interest,

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whether it is giving or taking,

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why is he doing that, because he wants more. He's not satisfied with renting a house, so he wants to buy a house, he's not satisfied with the size of his house. So he wants to get a bigger house, he's not satisfied with the certifications that he has. So he wants to get more degrees, he's not satisfied with the amount of money that he's making. So he wants to make more money.

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He's greedy, he's not happy with what he has. He is ungrateful.

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And that ingratitude is taking him to committing sin, gonna foul a theme.

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And sin in what way that if you charge someone interest, the one who cannot even afford to pay back the loan, you're charging them interest, this is a great same, exploiting the poor,

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abusing the poor, benefiting from their desperate situation, this is sin. And on the other hand, the one who gives in charity, then he is a grateful person. And He is a righteous person exact opposite of comfort and esteem, who the one who gives a charity, how is he a grateful person, because you can only give when you are happy. You can only spend when you are satisfied, when you are grateful to Allah for whatever that he has given to you. Only then you can give and if you feel you don't have enough believe me you cannot spend you can only spend on others, when you have this satisfaction that you have sufficient, you have enough and you need to worry about others as well.

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So the one who spends in charity, he is a grateful person.

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And he is the one who is righteous, because charity can be given by who the one who is concerned about doing good, who can spend in the day and in the night and secretly and openly the one who wants to accumulate good deeds.

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So dealing with interest is a sign of what in gratitude and of being sinful. Spending in charity is a sign of being grateful and being righteous.

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


00:49:52 --> 00:49:53


00:49:55 --> 00:49:56


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the top

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Almost shape on

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learning can be

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only through labor

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00:50:29 --> 00:50:29

in a

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woman neither

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How long

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before the office will log

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the verses that we learned were about the river. I wonder why it's called interest. Because they want you to be interested in it, they want you to desire it because it helps you fulfill your desires immediately quickly. But in the long run, it kills you. It destroys you. So what is interest? What's the definition of rebirth? Cool Look, when giavanna Fun for who or even? What does this mean? What's the meaning of this definition? How would you define Riba in English?

00:51:35 --> 00:51:50

Any loan can look all the means every loan, Giovanna found that brings back benefit, a profit on top for whatever, then that profit. That addition? What is that? Rubber?

00:51:51 --> 00:51:53

Can you give me an example of rubber,

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or mortgage? How was that an example of rubber?

00:51:59 --> 00:52:18

That a person borrows a particular amount of money in order to buy a house, but by the time he pays that loan off, it's not that amount that he borrowed, but it's a certain percentage on top of that, so 13% 20% 30%, whatever it is, so that makes it unlawful.

00:52:19 --> 00:52:30

Besides trade, being halal and ribeye being haram, a couple of other things are different. So first of all, trade, there is effort that's involved in making that money, and an interest.

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And in river, there is no effort. So a person can invest their money, and it'll keep growing and growing. And they don't have to take care of it, they don't have to put any work into having that money grow. When a person is doing a business, then he has to manage the accounts. And he has to, you know, put in some physical labor as well. Sometimes he has to put his talent, his skills to use, there is some kind of effort involved. Even if he's just the owner, still, he has to go and make sure everything is running smoothly. Somebody was telling me about this chain, this desert place Dimitris all of you know about that famous place. So there, you know, all over the GTA. And somebody

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was mentioning to me that the owner, he goes around visiting different different stores all over the GTA throughout the day or throughout the week, why to make sure that the business is running properly. I mean, he doesn't have to manage it himself. But still, he's invested his money into it, and he has to go and make sure things are running smoothly. But when it comes to investing your money in a bank, or lending it to someone, then you don't have to worry about anything, all you have to do is just make sure you're getting your interest every month, the stocks, it requires intelligence. But there's also risks involved in that, which is why as long as the stocks meaning

00:53:48 --> 00:54:24

what you are trading and buying and all that as long as that is permissible, then many scholars allow it. Because you're using your skill using your talent, your mind, you're constantly checking. And at the same time, there's a huge risk involved, which is not involved when it comes to HIPAA, you've just kept $10,000 in the bank every month, you're getting money on top of that you've lent $100,000 To someone every month, you're getting money on top of that. So there's no risk in that. But in stocks, there's risk. And the next point time intelligence skills, which we just talked about, and in Ribba only their wealth is used and it keeps growing and growing. And in compound

00:54:24 --> 00:54:26

interest, there's interest upon the interest so.

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So again, in trade, there is risk involved, you can have profit, you can have loss, and there's sharing that interest, there is no risk. It's 100% guarantee that you'll get the interest on. In trade. There's no fixed profit and an interest there's a fixed profit. So one year you can have more profit one year you can have less but an interest, you have that 5% 8% And it's always guaranteed

00:54:50 --> 00:54:59

for trade Once the transaction is carried out, or the profit is settled. It's a one time thing and in interest. It's constantly a new profit yearly monthly

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A continuous profit.

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So similarly, in trade, there is a payment and the transaction that's happening, and interest is constant receiving a profit. So for example, when it comes to trade, you have to keep putting more and more of your money into the business, from the profit that you obtain, you have to put some money back into the business, to either pay for the rent or pay for the expenses or pay the employees so on and so forth, there are expenses that you have to cover. But when it comes to interest, there are no expenses, there is no fees, you're just eating, you're just constantly getting also in the manner that the money is given. For trade. There's, it's halal, and it's given

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with understanding. So you give money and you get service or you get a product and you're happy with your transaction, but of interest the person gives as if they're being forced, and they're parting with their money, and they think that's unfair. So even the way that they're giving, there is no satisfaction in that. For trade. There's physical mental activity and interest, laziness, the money just keeps growing. So there's no real involvement in that trade would create economic activity in society. And interest would stop circulation of wealth and money is concentrated in certain parts of society. And also in terms of socially interest and loans, especially, you'd find people who have

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their house on mortgage, their furniture also on loan their car. So a prison would live in like an alternate reality where they can't afford, but also they're living as if they can afford but they can't. And everything that they own, is actually on a loan. And it's even worse for them. Because although they can't afford this specific thing, but more than that they're paying more interest on.

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The thing with interest is that you, for example, with a credit card, a person manages to buy what he wants immediately, or with a haram loan, he's able to get what he wants, immediately, it helps you fulfill your desires immediately. But in the long run, you're paying more for the things that you want. Something could be $200, but you don't want to pay with cash you pay with your credit card, by the end of the month, your bill comes, you don't pay the $200 You pay only $100. But then the interest, you know, comes in after some time, and then instead of paying $200 for that object, you end up paying $250 $220.

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So in the long run, you're paying more for the stuff, things are more expensive for you. But Japan makes you look at the immediate benefit.

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And bear would also create job opportunities, a lot of employment for people and interests would make a lot of people jobless and basically concentrates the wealth in a couple of people's hands.

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So there's a huge difference between trade and river. And this is the reason why Allah has allowed one and he has forbidden the other. And Allah says that whoever receives the admonition then what should he do? Stop dealing with Aruba immediately, from Abuja home over to Mirabai Fanta ha and if he stops, then what will happen further home SLF. Whatever has happened in the past is over. A person should expect forgiveness from Allah soprano data. He doesn't have to worry about the past accounts. What Unruh in Allah and his affair rests with Allah woman either but whoever returns goes back to the same ways for Allah equals her guna whom fee her Carly doon

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