Debt – Slavery Of The Free

Although they will learn administrate on the regime Smilla Rahmanir Rahim hamdu Lillahi Rabbil Alameen wa salatu salam ala Ashraf al Anbiya it will authorial mursaleen Shaffir al Madani vino Habib Europe Bill al Amin Muhammad in Salawat Robbie was Allahu Allahu Allah early he was so happy hippo you been a poor hearing in Alhamdulillah Muhammad who understand you who want to start a beautiful and study when God will love him and surely unforeseen. I will say RTR Molina, Maria de Hila who follow mandala OMA yo lil fella, the Ala Wai Chateau La ilaha illallah wa Hoda, Sharif Kala, or no Mohammed and sallallahu alayhi wa sallam Agda who are also a MOBA in the US Dhaka Hadith

the Kitab Allah will hire al hadI had you Mohammed in sallallahu alayhi wa sallam, in the name of Allah, the Compassionate V most Merciful. All praise is due to Allah. We bear witness that no one is worthy of worship but Allah And we bear witness that Muhammad sallallahu alayhi wa sallam is indeed his final messenger. The best of speech is the book of Allah. The best of guidance is the guidance of Muhammad sallallahu alayhi wa sallam May Allah subhanaw taala make us amongst those who listen to the best of speech, the book of Allah and follow its commandments. And may Allah Subhana Allah make us amongst those who come to know the best of ways the way of Muhammad sallallahu alayhi wa sallam

and make us amongst his followers. Allahumma Amin Allahumma Amin Allah I mean,

yeah Baba rasool Allah is Allah wa salam O Allah. Khurana means to ne Allah Allahu alayhi wa sallam, and who is Allah subhanho wa Taala Miss Ellerton better a couple of Herbison YALI it was a common sunnah, that every time that the Prophet of Allah salAllahu alayhi wa sallam would ask Allah for something prior to him asking, he would praise Allah subhanho wa Taala your coffee or Hadiya Salvaterra below Salam wa ala in one of these the Prophet sallallahu alayhi wa sallam says Hola, humara bissa my word. We're a bill Aarthi or a bill social housing Robina whare Bakula, che Munez gelato Rottie Well, in G one four on furl happy when Noah are all the weaker men shared equally, but

in Antioch, unbeknownst until a while Felicia Kabila cache. Well until after Felisa cache, one tava here Falaise of Oh Kakashi one tell bought in Malaysia Duna cache.

In one of these the Prophet sallallahu alayhi wa sallam says, Oh Allah, You are the Lord of the heavens and the earth, and the majestic stone, the majestic throne, or Allah You are our Lord and the Lord of everything that exists. You are the revealer of the Torah, of the gospel and of the Quran, I seek refuge in you of every potential evil of all the things that you have created, you are indeed the splitter of death dates, the as you know upon

the seeds,

you are the the splitter of it and you cause it to grow or Allah you are the first before you there was nothing Allah you are the last after you there is nothing will uncover here you are the most obvious most clear that nothing is clear more obvious than you are will enter Barton you are the hidden Felicia doing the cache ALU unbolt and who will

well they said doing a cache Layer, Layer job or anchor shake. You are the most hidden meaning that cannot be perceived. Yet nothing Nothing escapes your Allah. But But kala Dinamo Kadima, he lives on episode Allahu Allah was a limit to how you after such an really long praise of Allah subhanaw taala indicating that Allah is in charge of everything. He is the Lord of the heavens and the earth. He is the Lord of all the creatures, he is in charge of everything that is religious, everything that is material, nothing is before him. Nothing is after him nothing is clearer than him. Nothing is hidden as he is and from him nothing is hidden. What does the Prophet sallallahu alayhi wasallam want for

is the NABI sallallahu alayhi wa sallam year old Musa gentle Jaime, Allah who knock the Ana de

Allahu MK the Ana de wa

Nina Minal.

Then he says after this beautiful introduction, he says all Allah, relieve us from the burdens of depths and suffice us enrich us so that we no longer pour

in why are we talking about this? Every time they have a study towards the end of the year and they look into people make a New Year's resolution. I know it's a custom for people here it's New Year, it's an new beginning. And people are aspiring to achieve certain goals they have certain aspirations that they hope to achieve in this year. And consistently. The very top have always been people saying I want to get out of debts.

I no longer want to be in the state where I have debts. And that is understandable at the NABI sallallahu alayhi wa sallam Allah mana and then we saw SLM Kana is as a habit if you rush he had to have Elon no public school. Yet I was a Nabi sallallahu alayhi wa sallam Minella Shia Lithia Tao would mean hello to rob yo Salam, O Allah, I will become in elevated Dane.

So much so that the prophet of allah sallallahu alayhi wa sallam every night he would go to bed. Every morning he would wake up, he would ask Allah Subhana Allah for protection, and he would seek refuge in Allah subhanaw taala amongst eight things and one of them was all Allah, I seek refuge in You from the burdens of debts

don't want to be in the state of debts Cleany aquatic garima Oxwall if Vicki tabula here if you had a mobile

just to show you how much care that Islam has given this issue,

that the longest verse in the Quran, an entire page long deals with this concept of deaths.

Out of the Quran they have done luckily for Jamila and the way that the Quran speaks about this topic and the way that the prophets Allah, Allah wa sallam taught is just so unbelievably beautiful. say number one.

For the commoners, the Prophet sallallahu alayhi wa sallam tells us that the state of being in debt is not something that is desired. Can you call it an empty?

Fill Joomla a Democrat.

Generally speaking, the idea of being in the state of debts is disliked. And to the best of your ability, you should avoid it. Minnesota and yet agenda the agenda.

Now they speak today, the average American has over four credit cards, the average American owes over $7,000 on their credit cards. average American is unable to pay their credit cards on time.

The average credit card debts in the US is over $900 billion dollars.

Talking about large numbers of money. So in Islam, we are asked that if you are able to avoid being in that state avoided in an anti shady, they'll go with you unless you find that the circumstances are pushing you and many times we understand that people are pushed into taking a loan or using their credit cards or what have you. So we're not talking about people who have been pushed into this by necessity or going through rough times we're talking about in average, in general, believers ought to avoid being in the state of depths. And that's why they say that the most impressive dignity, the most impressive sense of independence is the ability to live within your means. Lida,

Lika,

aka lamina, Daini, Darish.

That is why it's been quoted, the less you borrow, the freer you are.

And by the way, we're not even talking about interest based loans.

In principle, this is haram. As unacceptable, that is forbidden. You're believers don't don't deal like this.

Not only that, but the more you look into this institution of deaths, especially interest based deaths, it is so bad that nowadays people refer to it as credit card slavery, or it is a new form of slavery.

Think about it.

A person who has the money and they just lend their money. They don't need to produce anything. They don't need to manufacture anything. They don't need to do anything but give their money fully knowing that their money is going to come. And it's going to come in multiple forms. Give you a quick example.

A country like Uganda, and they use this country to illustrate how bad that is. A country like Uganda pays the equivalent of $2 a month per citizen spent on the health care system in that country.

The country of Uganda pays the equivalent of $11 a month per citizen to cover the debts, the interest and the service on the debts of that country. organda is never coming out of poverty.

They will never come out of poverty, because the system is set up in such a way that they will forever be enslaved for the debts that they have taken.

So in our deen

we avoid this. How much should you avoid it? Joe? Nabi sallallahu alayhi wa salam ala Rasulillah dalcolle A Shaheed you're

a man comes to the Prophet of Allah and said prophet of Allah, is it true that you have taught a person who dies as a martyr? They just gave up their lives to please Allah subhanho wa Taala did you say that Allah forgives all of their sins? And the prophets Allah Allahu alayhi wa sallam says yes, for that act, Allah forgives all their sins. The man starts walking away.

The cannabis Absalom urgent. Man starts walking away the Prophet sallallahu alayhi wa sallam says, Come back, come back and says

what is it that you've said he said is a true prophet of Allah that a martyr is forgiven everything. You will finally show you the color shade for cotton abuse Allahu alayhi wa sallam, Nam Illa de

Na, l Ella Dane. So that point the Prophet sallallahu alayhi salam said yes. Allah forgives the martyr all their sins, except of deaths. ALLAH does not forgive that. You take it, you borrow it, you must give it back.

The sad part is not in. It's not in people having debts. Please remember the point here is not to crush our spirits. The point is to remind each other that as believers we have an obligation to actually live within our means and to be in the state of debt. Debt Free. Is that desired state? That that is where we want to be. And in case that we do this, Islam says pay it back. Give it back. You take it from a brother, a sister, a Muslim and non Muslim you borrow. You give it you give it back?

This Alside Ernie Egil Qurani eliminate No. After the Damon FARC.

Accord, ly yes the fee the main her itself it may not have

known then the Quran and Islam teach us that, that the contract of having debts is one of benevolence meaning that it is an act to relieve a person of a temporary burden that they're going through. And as a result, only one side benefits from this at least in this world. Only one side ought to benefit recording.

It Dean if Kapha Allah

Allah subhanaw taala will let us tackle how to nurse earn an example of contracts of benevolence would be a loan would be a bail bond.

studies about How bail bonds are cruel.

Somebody gets arrested for whatever reason. Sometimes people are just you know placed in a hole or you bail yourself out. Some people don't and you end up being charged an exuberant amount just to get out of jail so that you can fight the charges that are against you. Heather McLean and Nabi. sallallahu alayhi wa sallam, I lamination while we're in Canada, extra fennel, the rotten de la mesa. Konya had the Dean ajibola He had the dean, you're up you're gonna Halawa Tessa waka the dinar prowl. I mean, our deen is so beautiful. So on the one hand, it tells us that it is always best to stay away from death. On the other hand, it tells those who are able to help others to help them

so much so

The Rizal Allahu alayhi wa sallam Jacobi can of humankind of Kabbalah come rajulio, new Tanager he said in previous nations, they lived a man. And he would send out his workers here as a vehicle man, he, they are called to do you and your stuff would do you, he would send his workers to collect, you know, the, the credit, you know, collect, collect the money. And he would tell his little man, the people that worked for me, say, in Ghana, in Ghana, my children, the teacher was the Allaha teacher was.

And he would send his workers and say, when you go out there is immature that if people are unable to pay, say, overlook it, in the hopes that Allah overlooks our mistakes, and outfalls.

That's beautiful, nice way of balancing things, don't get into it, if you can help it. And on the other hand, for those who are able, do not burden people because of the state that they are in.

And then the study continues on to look into, why are people the way that they are? Why are people just you know, charging the money. You know, subhanAllah when you look into the history of credit cards, and how they came, they say that the biggest enemy of credit cards, was the preacher at the church.

Their biggest enemy, was the preacher at the church.

Why is that? Because the preacher would always quote Jesus peace be upon him. And they would say, He who goes a bottle goes a surah

that would teach that to people. So those who were practicing Christians, they would never borrow money.

And that was something that was taught at the church. And when credit cards came out, they say, well, our biggest problem obstacle is going to be the church. How do we deal with that?

This is not something that Muslims invented. This has always been the teachings of the prophets that Allah subhanho wa Taala has sent.

There is no financial responsibility Gelish on Kulu, Mustafa Staro, there is no sense of delayed gratification, unable to practice self control, you want it,

you get it.

That is not a healthy lifestyle. You want it, you work for it. You want it, you save for it. You want it, make sure that you can afford it, but to live a lifestyle that we cannot afford. That is madness.

And I think that in the past, I have shared with you a beautiful definition of what a credit card is. A credit card is a tool by which we buy things we don't need. With money we don't have at a price we can afford to impress people we don't even like

that is not a way to live. That is not a way to live. CoolerMaster hide staright

every time you desire something, you go on, you buy it.

You do this, eventually you lose your independence.

It gets uglier

when people are exploited because of bad credit.

You know how when you drive around, there is the payday loans. Payday loans are all over the place, especially in poor neighborhoods. You see a lot of payday loans. You don't find it in rich neighborhoods, but they're always in poor neighborhoods. average credit card is anywhere between 19 to 25%. That is how much APR annual percentage rate they charge. Allah He was my own eyes. I go there because I really wanted to see well. How does this work? Written in a big board? What APR do these places charge of the poor?

466.87%

that is the APR that these places charge. How does it work? You write them a check for $300 and they give you $255 for 15 days. They're charging you $45 for 15 days on a loan of $255.

You do the math that comes to about 466%.

Allah does not approve of this transaction, not an ugly transaction. That's a transaction that is taking advantage of somebody

Who is in the state of need? The sad part is sometimes we're not even in the state of need. But we do this simply because we just every time we desire something, we end up buying it.

So please let's learn self control, delayed gratification. And then the last thing pass on these principles to our youngsters. You know, the idea of live within your means Subhan Allah is the man Allah. Ah, you go Ill bent hum when Miriam with den hum what you can do wrong.

Ill Ben tombolo candidate Meriam with then hum while they're home, he says you know, a parent is always anxious and worried about their daughter, even if it was Marian.

And deaths are such a burden, even if it was just a single silver coin.

That is what people were taught.

Always the idea of if you want it save for it, if you want to make sure that you can afford it, and and so on. So we want to revive we want to revive these teachings. And as we see that people wake up in 2023 and what is it that you want out of this? Man? I just want to get out of debts can barely afford anything can barely not do this, I can barely not do that simply because I am overwhelmed by debts. May Allah Subhana Allah relieve us of all of our burdens Europa Alameen Hola. Hola. Hi there. What stuff you hola hola. We're looking first off in the hole

hamdu Lillahi wa wa salatu salam ala Rasulillah Mustafa Al Rahman, whatever you're calling abuso Allahu alayhi wa sallam, many steder and Moylan nurse. Well, who are you read who either Abdullah Juan or minister then avoid a nurse. Well, who are you ready do it left her at level Hola, hola, salam, O Allah, the Prophet of Allah teach us. Whosoever borrows money, with this unseen intent, that they will pay it back Allah who will facilitate for them to pay it back. And whosoever takes the money borrows the money fully known with a genuine intention that they will not give this money, they will only destroy it, Allah will see their own destruction.

So again, remember the point here is let's not get ourselves there. And if we do, let's be responsible enough practicing enough that we get ourselves out out of this. Unless Lastly, let us come to the help of one another. And also Hala they say that the reason why credit cards are so used by people get elected and know Alberta, Alberta collect the money lead to algorithm insert, then halogen HDMI,

because the usage of a credit card does not embarrass a person socially. What is easier for me to use my credit card or for me to come and ask have you and then chances are you may say yes. Or you may say no. If you say no, I am very very embarrassed. If you say I feel very indebted. So now what happens is people prefer to use a credit card. Because socially credit cards are not embarrassing.

And that is the number one reason why people no longer ask of each other. Because a credit card saves me that embarrassment. It shouldn't be this way in our community. The Prophet sallallahu alayhi wa sallam taught us in Allah if your only lab, Madame and Abdul

Salam o Allah rasool Allah says Allah will always come to the support and aid of his servant, so long that that servant is of support and help to other people in the community. Sometimes people can say, all I need is just all I need the 700 Dots, I just need to fix my car, I need to get it going, but I can't afford that. And the longer I don't have a card, the longer we sink into poverty. All I need is just somebody to help me with this. But then, you know, we just don't really like to do that. So inshallah let's develop this habit. Now I remember Subhan Allah, a brother would come in and say chef here is $10,000 on the side. I am donating it under one condition. I'm donating this

money to be lent, and then brought back again so that somebody else can borrow it and bring it back again, and somebody else can borrow it and bring it back again. I want this to be more

I charity, but that's how I want to do it. Relieve people of their burdens temporarily. They get better, bring it back so that somebody else can use and that's what I call a good community and a beautiful community. And we hope and pray that we become this community in sha Allah Allah Allah mean, on your way out you will see that Shelby County is here with us today. And they are doing educational programs. They are also given vaccines COVID and other types and they have some gifts and goodies for us. Please do stop by thank them for coming here. Talk to them benefit from the knowledge that they are sharing with us. If any of us or our loved ones are going through difficult

times may Allah Subhana Allah ease our pain. If any of us or our loved ones are not feeling better, may Allah Subhana Allah grant us a full and speedy recovery. If any of us or our loved ones have lost the way may Allah Subhana Allah bring us back to his way. If any of our loved ones have passed away May Allah subhanho wa Taala bless their souls. May Allah Subhana Allah relieve us of the burdens of debt Europa Alameen Allahu Allah, Dana anonymity Nene along with Mohammed Muhammad Amin, one of his carbon mk rubine Allah Muhammad Donna or Schumer, Donna Serrano Delana Washington will Bathia to salejaw Jelena Robina Tina for dunya has an atonement for Africa has an eternal cleaner

either but not about Allah in Aloha mobile as well. So anyway, he died in CORBA. When Hans Basha it will Mukherjee will look into the Coronavirus Corolla has come which guru Ohana Ananda he has it commodity Allahu Akbar Allahu Allah does not own LARPing solo you