Channel: Tawfique Chowdhury
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smilla rahmanir rahim
al hamdu Lillahi Rabbil alameen wa sallahu wa salam wa ala nabina Muhammad wa ala alihi wa sahbihi ajmeri.
salaam aleikum wa rahmatullah wa barakato.
Brothers and sisters in Islam.
If I were to ask you a question today, and that is, has anyone ever done the following transaction in your life?
And the transaction is the following?
Have you ever told your friend
Oh, my friend,
so on. So can you give me a change for my five pound note?
You have five pound notes here, don't you? Yeah. Okay. Can you give me change for five pound notes? So it looks into his pocket and he says, You know what, I only have a two pound two pound coin. Can you just take the two pounds?
And I'll give you the three pound later.
So he said, Fine, let's do that. So you give him the five pounds. And he gives you the two pounds. Right? And you and you. He goes his his way and you go your way.
Later on only about a day or two later. He gives you the rest of the three pounds. Okay. Has anyone done this before?
Has it happened to you? Can you just show me hands? Usually who's done this before? It's happened to everyone, isn't it? And sometimes, even if it hasn't happened to you, you will do it. Why don't you?
Well, do you know that this transaction is something which is cursed to Islam, by the way?
Because this is Riba?
And it's interesting to know why it's Riba because Allah subhanho wa Taala. His Messenger explained that this is the river.
Although we're not going to take you to court, because it's river, although we're not going to punish you in a very bad way because it's a river but
fifth wise, this is river, I'm only using a very, very simple common example to illustrate how people don't really know how they transact with money. And it may be confusing you How is this river
I'm only asking for change how can change and giving change ever be ribbon? I will only explain at the end of the talk you know why? So that you don't fall asleep? And you know why so that you don't go off?
Because you would hate to go off and not know the answer to this question wouldn't you? So, I'll only explain to the end towards the end why this is this is reversing okay or Will you forgive me for that?
Okay, this is my way of keeping people here doing boring financial talks you know,
what this talk today and that is about money, how you earn it and how you spend it, what this talk is not about is not about the best job that you can have to earn more money, it is not about the best financial advice for you to invest your money so you can have more returns it is not about which bank will give you more money which investment will give you more money It is not about that
rather it is about
earning your money in a halal way and then thereafter spending it in a halal way there is no one amongst us sitting here except that he has money and there is no one sitting here except that he that he transacts in it every single day whether buying or selling whether whether earning it or the spending
and as a result it is compulsory on us to know about the rulings of business transactions it is compulsory if you do not know about it and if you think okay whenever a course on business transactions comes up that this is something only to be learned by financial people and by people involved in finance and banking that this is a big mistake a big mistake rather there are so many day to day transactions of Islam that that our solar system allowed or prohibited that every single person amongst us needs to know Do you know
that buying a Mazda
could be river and gambling
how well I'll give you the answer the end of the talk as well.
That's two things please don't forget Don't forget to remind me. How can buying a Moz bar be gambling? Yes salon. On top of that did you know sometimes when buying cereal can be gambling?
That's amazing. How can buying cereal be gambling? I'll tell you at the gala here is true. It can be given I'm not joking, by the way. So don't say okay, there's something a joke behind this. No, no, no, no joke. Well, it can be gambling. Yeah. Truth.
Believe me and sometimes buying anything can
gambling, you could be buying a cake. Could be gambling, buying ice cream, it could be gambling. How do you know if you don't know when it is gambling when it is not gambling? When it is just a buying transaction if you're buying food? And how do you know what it is gambling which is cursed by Allah subhanho wa Taala. And it is a major sin? How would you know if you didn't know the difference?
Let me explain how it could be gambling because I have to explain one of them. Insha Allah before you get too angry at me.
How can buy a Mazda began? Well, biomass was gambling. Usually when you see in the Mazda, they say, you know, free prize, or one in 20 is a winner. Right? Or inside it could be a promotion, like 1000 or a million pounds to one winner for example. So you look at the mass versus Oh my god, a million pounds, a million pounds or a trip to Australia?
Yes, we want to go to Australia. This is this is how cold is it today? It's so cold.
come to Australia, the land of beaches and the sun 300 days in a year. It certainly shines know what you're doing here.
Now, so you look at it. And it says a huge prize vacation trip for two to Makkah, whatever it is. They never say that. But you know, trip for two to Dubai. Okay. And you say oh my god, I want to trip for two to Dubai. My wife has always been saying I haven't taken her anywhere. So let me win it. So you buy it, you pay the 50 pounds, and you get a Mars bar. And there you have gambled
How? Because the intention was not the mass by itself it was to deal in that transaction, was it not so to actually win the prize, but the prize is a lottery. You could win it, you couldn't win, you might not win it. And you probably won't want it because it's one in a million. It will win, isn't it? And so your money was actually in order to get into the prize draw to win that prize. And as a result became gambling? Do we think about this? Do you know sometimes even sending SMS can be gambling. And I was afraid when I saw that SMS, no vote, green lane, mosque winner prize, whatever it is. It could have been gambling.
Now, by the way, I don't know if it is I'm not trying to ruffle any feathers. But I'm saying it could be gambling. How have you seen on TV sometimes? I'm sure you're good people you don't watch TV. But have you seen on TV? Sometimes this just for argument's sake, let's say you watch TV.
Okay, on TV, have you seen sometimes how they say SMS?
You know, vote a if it's this and both before that. And they'll charge you 50 pounds or something for text messages in it.
And then you go into a draw, you could win or you could not you might not win, isn't it? Have you ever seen those? By the way? It happens quite frequently, isn't it? SMS this and they'll charge you 50 pounds? How much does it normally cost to send an SMS? What is the normal charge? 10 pence 15 pence. Right? So why are they charging 50 pence?
Why? Because they're keeping that 30 pounds or 35 pounds right? So therefore, this SMS is gambling. In fact, you earn the sin of gambling, why? because now you've sent an SMS which you never ever thought was anything big. And with that you've gambled because your intention was to win the prize. your intention was nothing else to say hello, how are you know, it was it wasn't that it was to win the prize. And so by your intention, you actually became how
he actually became
a forbidden thing. And if you won that prize, by the way, that money would have been earned in the Haram way. And if you went to Hajj with that money, because you're happy you want to thank Allah you go for Hajj, then you would not be acceptable to Allah subhanho wa Taala because Allah subhanaw taala is pure, and he accepts only the pure How can you accept something which is impure?
But how would you know if you didn't have knowledge?
How would you know if you don't know about buying and selling? My friends, how easy is it to fall into haram regarding this matter, and how much we neglect this whole matter in ourselves. Whereas, Amara Delano he made it very clear matters of buying and selling every single person needs to know about it.
Every single needs to know about it male or female, especially our sisters, please listen to this because every single lecture sisters are you know come in great numbers except for a business business lecture. Why? Because they think business is only for men, but men are the ones who spend it who earn it but you you spend that money. You're the one who actually not in a bad way by the way, not in a bad way. And you spend it because you have to buy food for your family and you know clothes for a family. So please sisters Don't get angry. Okay, you spending it so you are dealing in a transaction. How do you know that you are not committing haram and many times you are committed
Hold on. What's an example of people assisters so easily they might do the harm What? Well, they look at two cereal boxes they have to buy cereal in the morning isn't a morning cereal. Then they look at one, one of them says Kela Kellogg's, right, the older version of Kellogg's. cornflakes. This is 200 grams killers conflicts here. This is for two pounds. And next to it. The man is talking a new batch of Kellogg's conflicts that have just come up and it says over the winner prize. Okay, mystery flight to Canada somewhere in Canada, whatever it is, as she says, Well, two pounds. Why should I choose this one? Let me choose that one. I could win a prize. So she buys it. And with
that, she Gamble's
but how would the sister know if she'd never even learned about it? And she never bothered about learning one Subhanallah How easy is it to fall into her arm if she won money with that she went to Hajj, or she gave it in the causal unless you build whatever she did with it. How would Allah Subhana Allah accept something? Which is how long?
Yes, Allah? What a great masiva What a great receiver is, are you sure my friends that the money that is in your pocket right now has been earned in the hallway? Are you 100%? Sure, after hearing these small things of how something could be haram?
Think about this point.
Something you're doing now could really be haram How would you know? If you did not learn about it? I just for this reason why I'm on rhodiola and who he said in authentic narration from him. He said he who does not know about the rulings of our business of trade, then let him not approach our markets, let him go away. Let him not come and approach our markets. Why? Because Because the markets are Muslims, you have to know about heroin, heroin, you have to know about river you have to know about water which is uncertainty. You have to know about that which is highlanda which has helped me to know about the 10 transactions that are forbidden by consensus of the scholars need to
know about those two that are there are there are that that scholars have different differences about his noble Riba in great detail.
And if you don't know it, then do not approach our markets not buy and sell insane. Yet somehow we don't know about business and trade and when we deal in business and trade every single day. And it is for this reason why are we are we ever surprised when we raise our hands to Allah? Make blood to Allah Oh Allah give me this Give me that. And Allah doesn't accept it. How can you accept the digital daddy also was excellent. How can Alexa while when he is when his food is haram and his drink is haram and his clothes are haram and his money is haram. Why should a man Subhanallah accepted?
This is why my friends Save yourselves, save you have to learn about this, this this matter because you could be a righteous person trying to do righteousness but Allah is cursing you right now. Why? Because you are at war with him. You're dealing a river, and you don't even you don't even know how you're dealing a river. You could be doing something and you're dealing a rebel or dealing with something or you don't even know about it. Well, like it's a dangerous situation. dangerous situation. All of these examples that I just gave you is an introduction to show you how important it is
for us to learn about business and trade. How important it is for us to know about what is it that awesome allowed us to do? And what is it that the Profit System did not allow us to do?
Regarding earning money. Regarding doing business, Allah subhanho wa Taala has told us
in many things Rasulullah sallallahu has told us many authentic hadith from him, that Allah subhanho wa Taala has mercy upon the man, Russian Allah in some have either been somehow either Shut up. Allah subhanho wa Taala has mercy upon the man who is forgiving when he buys and forgiving when he sells and this hadith is the essential Hadith that defines the etiquettes of buying and selling. The Prophet system said Allah has mercy on the man. So if Allah is having mercy, that means the person first of all must be doing that transaction in the correct manner. So therefore, the first etiquette of a businessman
is that he should know that which is halal haram so that Allah may have mercy upon him and bless his transaction. Then the promises will continue any any said some hand either by some hand either starter, forgiving when he buys forgiving when he sells and this is the second principle. The first was to know about that which is valid that which is haram. The second principle is to be forgiving in your business transactions. Because
there are three principles upon which the prohibitions of Islam
revolve around regarding business and trade. The first principle is that all of business is halal, except that which is not halal. So every type of business is halal except that which is not halal.
And let me illustrate how this principle is misunderstood by people by a practical example. Have you ever heard how some people say, Okay, this particular business transaction that you're dealing in, for example, you might be dealing with a certain certain Islamic bank, or you might be dealing with a certain Islamic institution, or you might be dealing in a certain investment house, for example. And you're doing it or you might be dealing with with eBay or some multi multi multi level marketing scheme, for example, somewhere or the other. And a person comes to you, brother, is that Helen?
So you say, yes, it's Helen. And the other brother says,
Why is it Hello? Give me the proof. It's Helen.
Have you ever heard that? Have you heard brothers say that by the way? Yes. This is an example how the brother does not understand business. Why? Because he has asked you how's it Helen? That's wrong. You shouldn't ask in business. How's it Helen? Rather, the onus of proof is upon the one who wants to make it hard on So no, you should reply back and say no, don't be ignorant. All businesses holiday except that which is haram. So therefore, you should rather come up to me and say, why is it haram? Show me why it's Haram. Until you show that it's halal,
acids halal until it's proven Hello, I will clear about this point. You understand how the first principle is misunderstood? The first principle is misunderstood by people and this is an example how business is so misunderstood amongst people. That's the first thing first principle. The second principle
around which all business transactions revolve around is a principle where Rasulullah sallallahu Sallam told us that transactions are made haram because of
because in things such as what Riba entails,
why does Riba entail Because ultimately, Riba entails that people who are rich get richer and people who are poor get poorer
and such as for example, buying and selling that which is unknown. Mystery bags, has anyone gone to the shows? Do you have eat festivals here by the way?
Okay, perhaps not very Islamic. But
have you ever seen stalls with a sell mystery bags?
You don't mister bags up? You can like in a bag for five pounds right? They won't tell you what's inside the bag sometimes they always have except they might have a placard say these are the things of the bag. But many times they just have a mystery bag without telling you what's inside it right.
And you might have bought it for five pounds. That's how long Why is it because in Islam you need to have clarity on exactly what was inside the bag otherwise you could be
the person could be making upon you. Just like for example I'll tell the brother in front of me brother, I'll tell you for whatever is my pocket five pounds? What do you what do you reckon?
So okay, tell us and I bring it out air or sand or water.
As an example, this is boom, isn't it? I've sold him nothing.
So here unless prohibited us against selling the unknown because there is a loan here. And therefore, the main central The second principle of Islam regarding that which is prohibited is Allah wants to prevent don't
allow us loans to prevent loan.
And the third thing, the third reason why less prevalent makes something Haram in business is because Allah subhanho wa Taala
wants to prevent arguments because it dislikes arguments debating. In Islam, there is no debating. There is convincing and there is academic discussion. Yes. But no debating what the religion. You don't debate about the religion by the way this is wrong.
And so Allah subhanho wa Taala wants to prevent visa or arguments. And because Allah subhana wa Taala wants to prevent arguments, he prevents certain transactions, which will usually lead to arguments such as what
can you give me an example?
Bear alibi Catholic, selling upon the sale of your brother or
proposing upon the proposal of your brother. So if you know this brother has proposed to the sister No, you don't go and propose to her at the same time as well. You don't Why? Because What's that? What's that? What's going to happen then?
You're going to have an argument, isn't it? over a woman?
Come on as if there's not enough there's not there's not 3 billion women in this earth. Why argue unless further doesn't want us to argue regarding this point.
And the same way for example,
if you were to allow an argument over a car, you
If Islam allowed you to buy upon the buying of your brother, you bought this car for 1000 pounds, the brother says, No, I'll buy it for 2000 pounds, that would create arguments. And that is why Islam would prohibit that as well. So that's an example of how Islam wants to prevent oppression, prevent arguments. So this is the third principle. That's all you need to know regarding
the principles of business, or principles which apply in business. What are the three principles again, please repeat. The first principle is
everything's halal, except that which is haram.
theoretically, you could do something
in any business transaction, you could bring out a new business transaction, and it's valid until proven Haram.
until proven wrong, that's the first thing. What's the second principle? Allah subhanaw taala makes something prohibited because of what
prevent oppression. An example of preventing oppression is selling that which is unknown.
Another example of the which happens in our communities all the time, is all you can eat. Have you thought of this? Oh, everyone's attentive now.
All right now,
fellas, I think you're all deciding to go out and for food and a lot of depth to your hopes.
Well, look at all you can eat.
is a boom or not.
There is some boom Why? Because you go in there.
And you're showing that you are thin guy, right? What do you eat like hos?
You go in there and you pay five pounds, and he ends up eating four or five plates.
Isn't embarrassing, by the way. But by the time you go second and third play, you get embarrassed, you do any harm as an example. Imagine you went the fourth and fifth time, wouldn't you also get embarrassed, more and more embarrassed as you go? Right? It's an example to show you that you in your heart, you know
that really you haven't clarified to this person, how much how much food you're eating.
And the guy probably thought look disgusting, man, he's gonna eat only two plates, which ended up eating four plates. double the amount, so he lost his money.
There is what I'm saying. So in Islam, you need to have the quantity clarified, as well as the quality of the material qualified. Just like if someone were to say if you touch my laptop you buy it.
That would be alone, isn't it when you go to a shop. I used to find this with the Yemeni traders in Medina. It couldn't be bothered getting something from the shelf. I said, I want to see that shoe. So listen, if I show it to you
ready to buy?
lazy cuz his speak of laziness. Unbelievable. So panela.
There'll be lazy, isn't it?
So I used to say bother. That's Haram, please take my tapes on the business. Hello, hello business, please revise it.
So this is an example of how an example of them right. And the third principle is what preventing conflicts. What's an example preventing conflicts selling upon the sale of your brother.
So these principles clarify to you what is highlighted how to earn money in a halal way.
Also leaving money in a halal way.
People fall into a couple of other traps, such as what
people fall into the trap of
begging, for example, or into the trap of stealing,
or into the trap of evasion. evading taxes, for example of stealing money in that way. This is all unethical Muslims, I will never get rich. By evading tax, you'll never get rich by evading tax.
How can you ever get rich by evading tax?
that mentality itself will cause you to earn less money. It's likely No I've seen some brothers say, No, I don't want to earn more money. Why? Because if I earn more money, then I'm going to go into the next tax bracket in which you have to pay more tax and I have to now start buying my medication. This is wrong, my friends, this is defeating yourselves.
You're not excelling, you're struggling. Imagine that if you actually went into that tax bracket, which would bring on more difficulty to you? Wouldn't you strive harder to earn more money to do a business on the side or whatever it is to earn more that would be better for you ultimately? Or do you want to perpetually live on in that sort of state of earning less amount of money. This is an important point, by the way that we must always remember, these are traps that people fall into. And these are things that Allah subhanho wa Taala has prohibited. stealing people's property in any way is wrong, even by way of copyright. And people these days for example, don't understand the issue of
copyright copyright is a valid law in Islam.
Why because man
wealth in Islam is defined by the customs
Allah subhanho wa Taala did not define and give an exact definition for what is wealth rather he left the definition of wealth up to the people.
So, for example, the paper currency that we have with us it is considered a value because we in our society consider it of value. Otherwise, have you ever seen anywhere about the cat on paper?
Is is a cotton paper? No Do you pay as a cut on the on the printing paper 500 reads a printing printing paper in your home? You don't so, therefore, there shouldn't be any is a cut on your paper money in your pocket two reason why there is a cut on it is because we give it value
and because we give it value then therefore, there is a curtain Are we clear about this? So therefore, if copyright, intellectual property, trademarks, software,
all of these things there is value in that people do give it value, then you cannot steal it. If you cannot steal it, if you cannot, if there is value to it, then you cannot therefore buy it as well. Therefore, for Muslims to for example, buy second, or what do you call them contraband? What do you call them? Sorry, the counterfeit. That's it. Counterfeit clothes from China, for example,
with a widow with the wrong brand name, for example, you know, editors, for example. And you buy editors clothes, for whatever reason you want to you like editors, but your editors clothes, and it's not original editors.
And they have stolen that brand? Are you allowed to buy Islamic? The answer's no. Are you allowed to sell Islamic? The answer is no. are you stealing? The answer is yes.
This is the ruling of Islam. Yes, hello, my friends, we really have to be clear about these things. Because we could be in her own. Imagine if you're actually wearing a contraband thing and and you're actually praying. Why would Allah, Allah accept something when you're doing something wrong? So let's be clear, we need to learn about our business. We need to learn about business and trade need to be clear about these things. Otherwise, we could be doing so much wrong, and will lie in deep trouble will lie in deep trouble.
Also Rasulullah salallahu alayhi salatu salam had told us that the righteous businessman, the one who buys and sells and is righteous, Allah subhanho wa Taala will join him with the prophets on the day of judgment
that is authentic it's a Muslim and and others it's a very amazing Hadith Why will Allah subhana wa tada given the reward of the of the prophets are joining with the prophets
not for any reason except that Allah subhanaw taala knows how difficult it is to be truthful in business transactions. And because of it, he does not see any reward that is fitting other than the reward of the prophets of Allah subhanho wa Taala which is such a tremendous reward. So,
realize that Allah subhanho wa Taala realizes how difficult is for you to be ethical, free to be truthful, understand that Allah subhanaw taala realizes this is this is difficult.
at the same time he is actually compensated to you and given you tremendous reward.
Let me just mention those 10 things which are said
every Muslim should or should remember those 10 transactions which are around one of those 10 transactions I cannot go into detail. I will tell you of a way in which you can go into detail and study them a little bit later inshallah 10 transactions a person must know that they are haram What are they first of all selling a debt for a debt is haram.
Secondly, two contracts or two sales in one is haram.
Thirdly, selling upon the sale of your brother is haram fourthly, the resident selling for the visitor is haram
fifthly selling impure and forbidden products is haram.
Six lead selling during the time of the event is haram
what number seven
felafel alima alima have differences at the moment
six or seven, whatever it is next point
selling the unknown uncertain is haram
and the next point Riba is haram
and the next point bailarina is haram.
And the next point, according to majority of the scholars, contract sales are haram or deposit payments are haram right down deposit payments are Haram. These are 10 things What do they all mean?
How will you know about it? Well,
I hate to sound like a marketing but
I have a course this weekend that will help
They all have in great detail. Yes, that's why I came up with this lecture. Because ultimately, it's a very important course. And we all need to learn about it. It's called the real deal. And you need to learn about business business transactions, because you saw how difficult it is how little we have, when was the last time someone spoken about business from this platform here?
Very, very few. Unfortunately, such a difficult thing. It's such a it's such an important thing, I'm sorry, such an important thing yet we have had less emphasis and little emphasis on it. Yet, although you know the haraam and the halaal in it is is so widespread, we really need to take every opportunity to learn.
So this is my friends about earning the money about spending the money in a halal way Allah subhanho wa Taala wants us to remember a number of points.
The first point Allah subhanho wa Taala. Remember once this, remember, is the first was the excuse me, that was revealed in Macau. And the verse as even cathedra from Allah says, that brought down this ruling was reversed Allah subhanho wa Taala says the Quran was the Amalia anomalisa.
And in their wealth is a right well known for those who asked and the new ones.
And this verse as empathy. rahimullah had said that this verse was revealed in Makkah. So this verse laid down the foundation that before you spend your wealth in any way which you are allowed to do that, remember, there are certain for certain rights on this wealth, that you must be careful about, what are these rights and duties upon us?
The first right and duty that Rasulullah says have told us about
is about the fact that we need to learn who the money should be spent first for
if I were to ask you a question
that if I were to give you an example, that you are on a ship,
and the ship is sinking,
and there's a big storm, imagine you're in his big storm, huge waves of battering the ship and you're sinking. And you get up on a plank. You're on a plank, and there's only space for another person on the plank. And in the water are three people. Who would you say first? Who are the three people in the water? The first is your mother.
Second is your wife.
And the third is your son.
Just to make it really fit unless you're 50 and a half strong if it is okay, who would you say first?
When it's finally Your parents are really
drilled in? You haven't been?
Long, Stan. Okay. You all said you'd save your mother, isn't it? I know for our brothers. You know, I had a friend from America who said I'll save my wife first.
So I was intrigued visit.
At least say your your son, you recently said my wife. And I said Why? So he goes to me? Well,
it's clear to me. It's okay. Tell me why. Well,
she's older already. So yeah, this is a death.
And as for my wife, that if I save more children.
So fellas, I can have more children with this, I can let the child go. Amazing reasoning, isn't it?
But this is important. Why is it important?
Because if it wasn't regarding shipwreck, if it was regarding money, let's say your mother, your daughter, your your wife, and your child are all hungry.
And you have a plate of food, or only one morsel of food. You can only put in one of their mouth. Who would you choose? Would you choose your mother or your wife? Or your child? You can only put in one one person's mouth.
What am I trying to do? I'm trying to do with this example show illustrate to you who is the most worthy of your wealth, isn't it? Who would you say first of all who says mum?
Yes a lot of parents have really had an effect on the people here
are who says wife
sisters By the way, you know all your husbands are saying they wouldn't look after you.
And you know this is a witness please can turn the camera around get their pick up their pictures. Okay, who said child?
Only a few? The correct answer is the child
in Islam. That's interesting.
But what about those who listens have these when you said the most worthy of your time is your mother than your mother than your mother then your father knew What's going on? Hmm, interesting. It's interesting because we don't know about business and we
Know about money? What are the rights upon us regarding as far as money is concerned? Yes. As far as time is concerned, definitely tomorrow. But as far as money is concerned, then your your family comes in for anyone else.
And the most destitute in your family comes before the less destitute in your family. According to the vast majority of the scholars of Islam, as a result, the most worthy of that one piece of bread, whatever it was, would be your child.
Not your wife, not your mother. What if you had a second piece of bread? Let's see it now. What about if you had a second piece of bread? Who would you give it to now? Or the mom? No.
Okay, Allah says Who? unphysical wahala comin.
Save yourself from the fire? Yeah, not from dying yet.
Although I can see how you're making an analogy there. But the point is,
let's say you ate 100. Okay.
You had one piece now, to either save your mom or your wife.
This will be interesting. When you guys go back home to that thing. It was all gonna be angry at you. Who would you give it to you? Who says mom again? No.
Okay, who says wife? vast majority now? Okay. Yes, you'll be your wife.
Hmm, that's interesting, isn't it?
islamically. As far as your wealth is concerned, as far as your wealth is concerned, it will be the the less the one who is directly under your responsibility. As far as financial care is concerned, that is your wife. That's very interesting.
Well, I very interesting. And we will take inshallah, in the course why this is the case, why the principles are in that manner. It's such an important, important point I'm trying to make here that we all have to learn about who is more worthy of our time, who is more worthy of our money. And who is more worthy of anything other than that, all the other types of things that we can give to others. Time definitely mom, then comes you father, then comes your family. So if I were to say if I were to ask you a question, I have one holiday in all my holidays, for example, one weekend, and Everyday I'm working in the hospital for example. My mom wants me What dad wants me more my wife
Who would you give it to?
In this case, the mom definitely. This is clear. Yeah, but as far as money is concerned has to be the child first Then comes a wife, meaning your immediate family that you're responsible over. Then comes the other other extended family that you're responsible over which is your parents, and, and your brothers and sisters, etc. After that. This This shows you how we need to really learn about where we have to spend who is more worthy of our money.
Also from the ones who have a have a right upon a property other than our families
is the poor people. Muslims who do not have wealth and money, and they have a right upon our wealth.
And what is that except the club that I'm talking about? I'm talking about the club here.
So we need to know about the rules of the cat.
Ask yourself this question. Do you know more than 2.5%?
Do you know anything more about the card other than this vague number of 2.5% most Muslims do not know much about the card except 2.5% isn't it? What do you know about the cat 2.5% but the whole point is 2.5% is not all that the cat is the cat is huge.
The cat is huge. In fact, not always is the cat 2.5% you know sometimes the cat is 20% amazing. When is the cat 20%? Who can tell me once a cut is 20% sometimes the cost is 10%. Who can tell me what the cut is? 10% sometimes the cut is 7.5% Who can tell me when the cancer of 7.5% and sometimes the cut is 5% Who can tell me when the cut is 5%
All right, yellow. Let's see. Who can tell you as a cat is 20%
You're gonna call the now
warmer, warmer. Colder, colder.
Maybe the first part is getting warm. The last part got cold. Anyone? Come on. Let's give it a go. Yes.
What is this about crops going on, by the way? Is there anything else that comes up
put it out I thought it was gonna separate I'm sorry
what is called What is it? It's a mineral yes so minerals and petroleum
that's 20% the cut so everyone's probably thinking oh my god Saudi Arabia 20% cap What is going on? Where's all that money
yes but that only applies if the community is not the owner of that money so it only applies if a private person has found the wealth like the all titles in Texas for example applies in this situation not when the government or the because the government represents the community when they get the wealth out then it means no purpose to actually get the the cat out because then you know they are the ones who are giving this helping the poor anyway so it means it doesn't mean anything to take the cat out of the of the income of the government so bad luck guys any loan Stan?
Then it is no money from the petroleum in Saudi Arabia. We have to go back to our hard work. Okay, when is it 10%
What is it 10%
What did you guys mentioned before it by the way? Okay, well, what about what about you know, you you're convinced that there's gold under under agreement mosque, okay, you've seen it. You know, someone came to you in a dream and said there's gold on the green mosque. Right and you start digging, right? And start digging and he found some gold. So the greement was committee said Colossus hours.
I'm just joking with everyone. Okay. We have to earn business transactions before it becomes boring. We have to be a little bit light hearted inshallah so that it doesn't become boring. Okay, so we found some gold underneath. And they took the gold away from you. Please don't make do against them. They're gonna use it for Tao.
Okay, now how much the card would would be due on that gold?
Come on any? Any hands?
On the white? Yes, it will be 20% again. Okay. So that's where the 20% originally came from the solar system said filled with fear because the homeless in anything underneath the ground is homeless meaning 150 which is 20%? Isn't it? 20%. So this is an example of how we don't know much about the cat except 2.5%. We already started 2.5%. See? It's not too perfect person is it? Is 20% here. Well, when is it? 10%?
One to 10%? Anyone?
Oh my god. No. What is it that there is on the ground?
crops. Okay, so normally crops is what is 10%?
If it is watered by the rains by itself. Okay.
Without your own hard work, it is 10%. And when is it 5% 5%? When you are the one who's providing all the water? Like what? Like greenhouse, in a greenhouse, you're the ones who provided the water, right? You're the one who has to water the for example, hydroponic tomatoes, right?
You know what I'm talking about? Right? You have them in this country?
You have them?
Do you know what I'm talking about? By the way, when you're watering your own crops? Do you know what that means? Right? Yes. So in that, in that wealth
in that produce? It's 5%. What is half half?
What is half rain? And have you provided the water? The next 7.5% So do you see how the cut is not only 2.5% 25% 0.5% 10% 20%? So panela we really have to know a little bit more about the cut. Okay, let me tell you, when someone wants to know about the cut and the right of of the cut on your wealth, you have to ask the five questions. When anyone needs to know anything, what's the cut? You have to tell them five things? What's the first thing you got to tell them? The first thing is who should pay the car. The second thing is upon what wealth The third thing is what amount.
The fourth thing is when to give it the fifth thing is who to give it to
five things if you know these five things you know about the car, whatever you need to know. The first thing is who should pay the car? What's the answer?
Anyone who has money that is above the nisab right?
should pay this a cat as long as he's a Muslim person. Full stop Muslim
But you didn't say puberty? That's right. I didn't say puberty. Muslim but you didn't say saying that's right. I didn't say saying. That means Are you saying that even my my child, my two year old child that I've given her a gold necklace, my daughter that I bought her gold necklace she has to pay zakat answer's yes. Hmm. That's interesting,
Because we forget that, don't we? Yes. Salam masiva? And are you also saying that in that bank that I've been putting money aside in order to send my kids to school as an investment for my for my daughter, my little daughter? After is the governor answer is yes. That's interesting. And are you saying my mother, who has for example, had dementia now she's become insane. She has lost her mental capacity. For example, She has dementia, that she has to preserve her answers. Yes. Interesting. And are you also saying that this person who's in a coma, who has an accident that we used to have to take the cut from his wealth even though he's in coma for 10 years? answer's yes. That's very
Isn't it? Very interesting, because this is
the the ruling regarding who should pay this occur. Let's go to the second point.
Second point. The point is upon what wealth well, livestock
that's not very important to know because you don't have livestock crops. That's a very important no because you don't have crops
mineral minerals under or under the ground. That's a very important no one unless you want to get angry at the Muslim governments but
and what else is next? What about
what about gold and silver? That is very important to know. So how much on golden silver? Well, that golden number Alhamdulillah 2.5%. Okay. And anything that therefore is in the place of golden silver such as what such as the currency that you have pounds,
dollars, etc, etc. 2.5%
right. What about jewelry? The sisters have? Yes as well. How much 2.5%
interesting. What about diamonds
with a big fat diamond that you said and you gave to your wife and said you know you are forever
because Diamonds Are Forever so are you
okay, do you pay the cut on the diamond?
answer's no. But you pay is a cousin the gold ring upon which the diamond is started on answers. Yes. Interesting.
Where's that coming from? Well, inshallah there is a course called.
I hate to sound like a marketing. But the point is that we have to learn about I mean, this this No way. I can tell you all the answers in this this one hour, we really have to learn about this.
Oh, not yet. Well, we hope to in the future. Unfortunately not yet.
By the way before the cut costs, I did come here and tell you guys to attend. You didn't listen to me, did you?
But inshallah we'll do it in Birmingham very soon. Okay, I'm actually I'm sorry, I didn't come I did come here, yet. But anyway, inshallah, in the future, I'll come back here, and we'll do the Zakat course again, it's so important for us to know like, because we don't want to come on the Day of Judgment, as as soon as some said that this academy is due upon the person will be will be beaten out into plates of sheets of fire, and they're branded on his skin with it. We don't want to do that doing well, like we don't want to come with a day of judgment. And we have to carry our houses on our backs. Because the brothers have said that anyone who hasn't paid as a cat on the property will
come into their judgment with the property on their backs. How you don't want to come with a deal with that my friends will lie you don't. So we need to learn about it. This is my point. This is the point I'm trying to make. We need to know how to spend our money.
The next point is what amount when we say 2.5% What about incomes? Whatever our salaries, what do we pay? Answer again is 2.5% How would we pay it three different ways. The best way is at the end of the year, since you started taking the salary remember, according to the hairdryer, okay, not the
Christian calendar according to the history so everyone therefore needs to know when they started work in a currently hairdryer. you'd wait till the end of the year, and the look into bank account whatever money you had, if it's more than the nisab the nisab amount is only 120 pounds or so in UK at the moment. Then you pay there's a cut upon that where we get 120 we'll discuss that later on. We've got definitely cyber silver. Why are we discussing cyber silver not that of gold? Well, because we always choose the opinion that is most favorable for the euro for the poor.
People because the principal in the cat is we choose every opinion whichever is favorable for the Pokhara because the acid regarding the cat is it is meant to be the right of the poor upon our wealth.
Right? Beautiful isn't it? Makes a lot of a lot of
you know, it makes a lot of sense 100 in that, okay, when do we give it?
Do we give it only in Ramadan? answer's no. Why not? Because then the poor would remain poor throughout the year except in Ramadan, they will be rich. That is not from the principles of Islam. So we don't just wait for Ramadan and give you the card. That's a very mistaken thing to do. So what would you do? Well, you would have to know when it is that you have your maximum number of wealth and then pay zakat at that point. Can you print the card beforehand? answer's yes. You can. Okay, to whom would you give the card to?
Well, it gives a card to eight types of people who are the eight types. Can anyone tell me what the eight types of people are quickly. The first is for Keith. Second is miskeen. The third is Amina la hominins, the one meaning the one that collects it, and distributes it, meaning the card collectors. The fourth is what I love to be called Obi Wan Kenobi means who will live with equal obey means those people who will accept Islam if you give them a gift from your circuit money, so it might be that you have a parent that is non Muslim. And you might, they might accept Islam free if you give them a gift from the cap money.
And also more elevated equilibrium also, is another type of people, enemies of Islam, those who if you give them something from Zakat money, they will not harm you. They will not harm Islam. Well, that's interesting, you give me a cut to enemies of Islam. Yes, because a part of the cut can be given to those people who will then prevent harm from Islam. Also, currently, some of us in
the Muslims that are on the outer frontiers of Islam, such as in the West, in general can be given the cat but this is a very strange opinion. Then we go for the next four. Who are the next four, by the way,
are filled record, meaning the slave who is trying to come out of slavery. That's interesting. We don't have slaves in that time. But we have people who are similar to them such as prisoners.
Interesting so you can use the Catholic prisoners answers yes. For what regarding prisoners well for their legal battles, and what else well for buying them gifts, providing the presence so they don't go insane for buying them food buying them, you know, for you to travel to see them. For the for the for the for the few for that can use as a cut answer is yes. Why? Because they after record, they are under slavery. And you can take them out of that through you as a cat. What about bail? answer's yes.
But as long as these people have gone to prison, not for a haram reason, not because they deserved it. But because of a non haram reason, because of nothing,
or under the pretext of so called the terrorism things. Although he's innocent, for example, you know, he's innocent, for example, a scholar Islam is put into prison. And you know, is innocent, for example.
And in that case, can you put the bail from the company answer's yes.
What are the next three?
What's the record? Well, what do you mean? Well, what do you mean, those who are in debt, so you can give the car to those who are in debt in order for them to get out of debt? Which type of people in debt? Well, those people who have got into debt because of a higher reason, not a haram reason. So can you give the cat for someone to pay off his mortgage? answer's no. Why? Because he's getting a mortgage for a reason.
But if someone for example, needed to have a heart transplant, he had no money. And he the only thing was available was private way of doing it. Can you use a card to help him get out of that debt? answer's yes.
That's very interesting, huh.
In fact, some of the scholars mentioned Well, we know that
building mosques is not allowed from the clap money.
But they mentioned that a person can get out of this, but a simple way how some of the Hanafi scholars we allow mercy for although lemma is not mentioned that by you get a person and you say give all your money away to the mosque. So he gets all his money away then becomes poor. When it becomes for that we can give him the Zakat money.
anyone think it's wrong, by the way?
interesting way, isn't it?
But look at the intelligence of the Hanafi scholars. This is right. Why Why are we saying it's right? Aren't we just stealing are we lying here? Well, it would be lying except that
Building mosque is from the principles of Islam it is from the Matsuda Sharia from the goal the principal Sharia is to build the mosque.
And so ultimately, if you're trying to bypass that ruling by another halal transaction, which is also from the goals of purpose of Sharia, then that is a permissible Sheila a permissible, bypassing,
whereas an impermissible bypassing would be we're in the whole transaction, the goal of the transaction would be Haram.
So let me give you an example of this is an example of a permissible bypassing, let me give an example of an impermissible bypassing.
Let's say our brother over here is a rich man. I'm poor, but I still want to buy
Okay, so I go to the brother and say, brother, can you lend me 10,000 pounds, please, I'm gonna scheme. I want to buy this BMW from here. The guy has a big smile on his face. And it says, this jockey with you. And and, and he says, Okay, take 10,000 pounds and give me back. 12,000. But you say I was a beloved brother, you attended the talk today? Don't you know, this is Reba. And the brother says, You're right. This is Reba. Well, what about this? How about we get away from this robot by doing the following thing? How about I buy the car.
I buy the car from the guy for 10,000 pounds, and immediately sell it to you for 12,000 and you can pay me back in 1000 per month installments. And we can call this ijarah we can call this mudaraba wiki call is Mashallah. Any Beautiful Names, Mashallah, isn't it? We call it what we like to call it rent by friends, or call it whatever you want. And let's call it Hillel as well.
Even better, let's call it 100% Hello,
do you see how they have done this is it not essentially the same thing, because essentially, he has not held the car at all, he has made it obligatory that if he buys the car from the other person, that I have to buy it off indirectly. So he is in no loss at all. So ultimately, what has happened, the only thing is that the car is a scapegoat. Essentially what it is, is that he has given me 10,000 and I've given him back 12,000 How is this not river, this is River. So this would not be allowed whereas that would be allowed.
My friends, fifth is wisdom.
It is time to become wise about the religion.
So why is enough and it's time to gain knowledge about inshallah. So this is about who to give it to this is about what was it talking about, by the way, in the beginning, that were in debt, the seven type of person who to give it to is in the in the cause of Allah subhanho wa Taala that is of course you call it the majority the scholars of Islam in battle warfare.
But of course that is very, very rare, if at all possible.
And therefore the only way that exists now is for those things which are similar to it. different type of warfare as a lesson in the Quran was a hippie Jihad and Kabira and fight with the Quran the greater fight meaning what
that was, isn't it? He's saying that that was probably saying which I had to be he hadn't Kabira with the dour with the with the Quran for the greater battle, meaning preach the core and that is a greater battle. So unless you're gonna hear he mentioned the word jihad, meaning that even Tao is jihad.
This is why even Taliban enemies jihad. This is why even preaching islamic jihad. Therefore, it is why according to many of the scholars of Islam,
such as the legend that that it was Arabian other places it is permissible to give Zakat to Tao organizations that are not not for profit
for them to run. Why? Because they are defending Islam. They are the forefront of defending Islam because this is the battle, the intellectual war, not the battle, the physical battle which really exists at all.
And for this I actually have an article that I've written a research that I've done on this point of is it permissible to give Zakat to our organizations it's an English so you can read it inshallah, if you go to my website, if you go to my profile underneath that you will find the research. You can click on it you will find that research article there in Charlottetown
fine, the last person to give it to is
the immuno savvy, the one who is traveling the wayfarer.
The last point my friends regarding spending money is to remember that Allah subhanho wa Taala does not want us
to spend our money frivolously he wants to He's given us the money so that we may use the money that which is for our needs. But he does not want us to be spendthrift because Allah subhanho wa Taala mentioned in the Quran.
In the real economy one Shelton
what kind of shadow shaytani Vika For verily the ones who are spendthrifts are the brothers of shaytan. And shaytan was a disbeliever in Allah subhanho wa Taala. So you don't want to be like
The spendthrift, you want to be someone who doesn't spend too much he only spends that which he absolutely needs. This for this reason why is for this reason why we should always try to not spend too much money is also for this reason why rasulillah Setsuna forbade a woman who has a husband that is looking after her for spending too much of her money. In fact, he did not allow her to spend more than one third of her money, as long as she has a husband who is looking after all her affairs. Why because she doesn't need to, the more money she spends, the more she becomes a spendthrift. Which is not required. Of course, this is as long as she doesn't need to spend for her money.
When she needs to spend for money because of a need that she has. And that's fine. No problem in that. Also, my friends, I encourage you to charity.
And that charity means that you're leaving your money for the earth.
And we know inauthentic narrations that on the Day of Judgment, in general, there will be there'll be a day on the Friday in which there will be a market in general. As I mentioned, Indonesia that there will be a market health agenda and in that market in general will be all of these most amazing things for for buying and selling.
And when you go there, you will say oh my friends, or telling the angels I want to buy this amazing car or whatever this amazing thing that you have here for sale but I have no money with me because there is no transaction there right? No money. So the angels will say no, this is for you because you've already paid paid for it because of
that deed that you did. And they'll remind you of one deed in which you paid some money or you gave some charity for the sake of Allah subhanho wa Taala and this is why it will pay off him Allah He mentioned in his lunia
for the farmer Haha, MA MA in Kearney.
So pay her ma her all my friends pay the mother of your wives and gender in this life whilst you're still able to meaning give charity for the sake of lust, patella. And that is how you are paying the mother for your families,
for your wives in general. And this is my advice on how you should spend money before the ones who spend the cause of Allah subhanho wa Taala I hope that this small talk I have illustrated to you how much we how little we know about money, and how much it will have an impact it has on our lives. We'll learn we are spending vast majority of our time,
every single day around money we are earning we are struggling the whole day nine to five earning it and then we spend from five to 10 spending.
And we don't know anything about this, how can that be possible
that cannot be a Muslim must learn before he jumps he must look before he walks lest he falls into the same hole twice. So be aware of these problems learn about it. So that Allah subhanho wa Taala may save us from the fire and may save us from those things which are Haram.
Allah subhanho wa Taala knows best I urge you to attend this, this lecture that I have. The reason why I wanted to tell you about attending is because I'm not doing this anytime soon. And I don't come here that that frequently. I might come here once or twice or thrice in a year. Am I do a course here am I do another course and I have more than 40 courses more than 40 and we're almost up to 50 courses now that we can do inshallah, for COVID add this is one of the courses one out of the 50
and this is the one where we answer all these questions except there's a cut questions of course all the business questions. So please try and attend it for your sake so you can clarify in your mind all these questions so we're not we don't have problems with it. Sisters, this is a advice for you as well. Please do not consider this as advice only for husbands.