RIBAA-USURY AND INTEREST

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17 Responses to RIBAA-USURY AND INTEREST

  1. SUHEL says:

    Salamualaykum….. Mufti Saab

    Please can you look on my website…..www.international-profile.com

    It would be alot easier for you to explain in depth through the website.

    In short for every customer I refer to the developers I get paid commision by the property developers (EURONETH)

    Is this Halal income for me…….. My takwa says no… as I am leading customers to get a Mortgage.

    Although the mortage they have taken out, will be transfered over by the means of power of attorney, and the developers then pay the mortgage themselves once the agreement has been signed by the customer and developers.

    The customer in return gets £36000 for the next 3 years for signing up this offer, and I get paid my commision

    Once you have looked into the website please can you answer the above question…….

    If you need more clarification please contact me.

    My takwa says this is Ribaa which I am leading people towards.

    Just one more question if this is haram…..99% of my customers are non muslims.

    I was thinking in depth about this and this type of business is similar to opening a property estate agent….. Would doing business in property estate agent be halal….. as 99% of people do not have money and the only mean they can get is via banks…. e.g. borrow money from them via interest and they get the house….

    Are you leading people towards this as you have advertised the house in your shop.

    Jazakallah for you times and efforts and may Allah reward you in abundance in this life as well as the hereafter.

    Please can you email me only to the email address I have provided you below
    SUHELDOLA@HOTMAIL.CO.UK
    وعليكم السلام
    باسمه تعالى
    Dear Brother in Islaam, we appreciate your Taqwaa and concur with the point which you have raised that a real estate agent who refers the customer to the bank and helps him get an interest based mortgage. The agent is not helping the customer in buying or selling the estate as some scholars argue rather he is a means of interest-based mortgage which the customer gets from the bank through the help of the agent.

    Islaam has strictly prohibited to assist someone in wrongdoing. Allaah سبحانه وتعالى says, “…but do not help one another in sin and transgression, and fear Allaah. Verily, Allaah is severe in punishment.” (Suratul Maaidah 5:2)

    The Nabee of Allaahﷺ is reported to have said, “One who calls people towards good deed will get the same reward as those who follow him and do good; and nothing will be diminished from the requital of the latter. Similarly one who calls people towards wrong deed will have the same punishment as those who follow him without any diminution in the punishment of the perpetrators”. (As-Saheeh Al-Muslim)

    However, the real estate agent whose job is just to find a suitable customer for the property seller and is not involved in anyway helping the customer in getting an interest-based mortgage, rather the customer himself makes all the arrangement to meet his purchase, then this type of agent work is permissible provided that the commission is fixed and the agent does lie to the customers nor does he deceive them. The Nabee of Allaahﷺ is reported to have said, “He who deceives us is not one amongst us”. (Ibid)
    والله اعلم

  2. Mohammad says:

    Asalamualaykum… Mufti Sahib

    My question is if some one give me a loan for my help for few weeks,and that money he arrange for me he bring from the Bank on interst(SOOD),and he never charge me any interst,so Mufti sahib that money Halal for me,in Islami point of veiw,

    Other is if some one make money by SOOD,Riba,Interst,in Islami point of veiw he will faight against Allah and Rasool (SAW).

    But what about if some one pay,MORTGAGE,CAR LOAN,OR BANK FINANCE(CASH) FOR BUSINESS,
    or get from some one,and he follow all role of Islam,like NAMAZ,ZAKAT,SADKA,PARDA,if my childern go for Quran Hifiz,( Hafiz will take 12(?) members of his family in jannat ).

    And some one ask them if you MAKE or PAY SOOD,or your are witness of both party all of GO TO JAHANNAM(Dazak).

    Answer from them who give us money for House,Car,Business extra.

    And also answer from them in Quran only has a in Surah Baqrah verses # 275 to 281,if you take SOOD from some one you will be go in Azab,or second meaning is you will fight with Allah and Rasool(SAW).

    Also some of people they also go to Jamat,or Tublige,answer us some problems not to tell every one,ignore,and keep qoait.

    And also that you buy in Islami Banking system, fixed the amout and buy any thing,it is HALAL,in non muslim country,no way.

    It is ture,False,what about people like them.in Quran and Hadees any where explane about those people who pay SOOD<RIBA<INTERST,give me some referances.

    Mufti sahib pls tell us truth about SOOD,RIBAand INTERSET.

    Pls Mufti sahib,

    Help me,my english is not good,for give me and show me truth in the ligth of Quran,Hadees,
    Sunnat.

    Thanks

    Allah Hafiz.
    Mohammad.
    wa alaykumus salaam
    concerning you first question, if someone lends you money and he does not charge you interest then the loan is permissible whether he pays interes on it or not.
    further agar aap sawaalaat urdu men likhsakte ho tu meherbaani hogi. sawaal ka matlab samajh men nahin aaraha he mujhe.
    maafi maangtha hoon mere kam samajhne par

  3. Rana Haider says:

    Dear Mufti Sahib,
    Assalam o Alaikum

    My company is planning to purchase a vehicle from a person who bought this vehicle from Bank with some down payment and rest he is paying in installments.

    He will himself clear all remaining installments with Bank.

    My question is that can we purchase that vehicle from him as we will pay him directly and not deal with Bank at all.

    Jazakallah
    Wa alaykumus Salaam
    yes it will be jaaiz as you are not involved in the interest deal. The onus is on the one involved.

  4. Mohammad says:

    Asalamualaykum… Mufti Sahib
    Bohat bohat mazarat key main ney app ko mushkil main dala.mujhay maaf ka dijiayga.

    Mera Q NO1.

    Main kisi se apney karobar kay liye kuch raqam (cash)odhar lay raha hoon.

    Odhar (cash)denay wala mujhko Bank se SOOD par loan lay kar deraha hay.

    Magar who mujh se sirif odhar ki raqam wapas se layga.SOOD wo kud ada kare ga.ur us ki meray karobar mea koi shirakat bhi nahi hay.

    Misal ke tuor par 50,000.liya to 50,000.hi wapas kar na hay.

    ur raqam ka SOOD wo khud apne pas se dega.
    kiya yeh raqam(cash)meare karobar kay liye jaaiz hay ya nahi.

    Ur kuch saloo se mare karobar main bhi bohot loses hoy hain,magar meri 100%koshish yeh hoti hai kay sirif ALLAH se mangon.who hi sab ka razik hain.koi wazifa bhi bata dain.

    Q NO 2.

    SOOD leyne wala ya SOOD khane wala dono Allah taala ko na passand hain.

    Magar SOOD ki raqam (Instalment)ada kar ney wala misal ke tuor par
    HOUSE MORTGAGE.(BANK)
    CAR FINANCE(BANK)
    Extra extra.

    Iska Quran main kahan Zikar hai,ya Hadees hai.?

    Meray aik sahab jane waley hain,jo Mashallah
    Deen ke hisab se,
    Namaz (ba jamat)
    Zakat
    Kherat
    Bachche(Kids)Hafiz ban rahian hain.
    Parde ke paband.

    Magar who kehtay hain ke Quran shareef main kahin bhi nahi likha hay ke SOOD dena haram hai.

    Lay ney ka to likha hay magar dene ka kahin bhi nahi likha.

    Meray is sawal par aik ur sahab jooke Tablig ka kam kartey hain.

    Unho ne is baat ki taiyd ki ur kaha ke kuch bate ignore kar deni chaiyeh,allah maaf kane wala hay.

    Kiyu ke tabligi shab meray janne wale shab ke karobari partner bhi hain.

    Allah taala too Ghafoor ur rahim hain,laykin SOOD to Allah taala se TUOBANAOZUBILLAH allan e jang hain.

    Kiya un kay Aamal Allah Taala ur Allah kay Rasool(SAW) kay nazdeek kiya ahmiyat rakte hain.

    Mufti shab zara mujhay Quran ki koi ayat ya koi Hadeese Nabwi(SAW)bataiye ke main un ko un ki bat ka jawab desako.

    Agar main ne un ko kaiyl nahi kiya to najane kitne ur Musalman (Muslims)brothers & sister gumrah ho sakte hain.

    Jazakallah.
    Allah hafiz
    Mohammad.( Jawab ka talabgar)
    Wa alaykumus salaam
    Alhamdulillaah ab matlab mukammal samjhe. ALLAH aap ko jaza khair de.
    Quraanulkareem , surah e rum men ALLAH TA AALAA ka irshaad
    وَمَآ آتَيْتُمْ مِّن رِّباً لِّيَرْبُوَ فِي أَمْوَالِ ٱلنَّاسِ }
    Aur jo kucch tum dete ho riba 9sood) men se taake logon ke haan maal men izafa ho tu ALLAH ke haan izafa nahin hota
    Agarche is aayat ki tafseer men kucch mukhtalif rai he lekin imam hasan, imaamm suddi aur imam jabaa’i rahimahumullaah sab ka rai is par he ke yahan par muraad sood hi he. Tu is se pata chalta he kesood dena bhi haraam he.
    rasulullaah salallaahualayhi wasallamne is hadeeth men:-
    قوله صلى الله عليه وسلم: ” لعن الله آكل الربا وموكله وشاهديه وكاتبه ”
    “allah ki la’nat us shakhs par jo sood lene wale ho, dene wale ho, gawahi banne wale ho,aur likhne wle ho” saaf bataya la’nat us shakhs par bhi he jo sood det hon.
    in dono daleelon se pata chalta he ke woh shakhs sakht mughalat men he.

  5. Mohammad says:

    Asalamualaykum… Mufti Sahib.
    ALLAH aap ko jaza khair de.

    Mere (Q NO 1) ka kiya yeh hi jawab hay.mufti sahib.ur is ka matlab yeh hay ke main bhi is kaam se baz rahon.(Inshallah)

    Ur jin shab (Tabligi jamat wale) nay un ki bat ki tayiid ki thi,un ka kiya makam hay.wo kon log kehlayengay.

    To un ki Tublig ka pir kiya maqsad,ja is bat ki tayiid kar rahen han.

    Un ko bhi CHUP karana hay ke apne zati maqsad ki khatir logon(Musalmano)ko gumrah na karain.

    May un dono ko siraf yeh yad dilana chahata hoon ,kay dosuron kay oper ungli karnay se pehlay insan ko apnay ander jhank lay na chaiyeh.

    Mufti shab man ne ap se apne karobar ki barkat kay liyeh kuch doa ur wazifay ki guzarish ki thi,agar hi sake to kardijiayn.

    Mufti shab ayik ur sawal ke man hamesha bhool jata hon,wo yeh kay Islami Bank System >>> Islami Bankary yeh kiya hay,iski bhi wazahat chahata hoon bari nawazish hogi.

    Iska ki jaza ap ko Allah taala dega (Ameen).

    Jazakallah.
    Allah hafiz.
    Mohammad.
    Wa alaykumus Salaam.
    Janab ghunna ghunna hota he jis se bhi ssaadir hojsiye. Aap mujhe yeh bataaiye, bahut se logon zina men mubtalaa , shiraab bhi phiete hein , sood men bhi mubtalaa he aur woh namaz bhi parhte he, kiya aap ko unko namaz se rokhlenge? Matlab yeh hargiz nahin ke jo shaks ghunna men mubtalaa he woh naik kaam nahin karsakte he.Aur tabligh walon ka kaam logon ka namz ki taraf bbulaana aur naiki ki targheeb karna.Agar woh aik aadmi ghalat kaam kar rahe he tu tableegh par tanz karna ghalat he. Haan zarror unke islaah kare., bataade ke woh ghalat kar rahe he aur saheeh raah dikhaaiye tu aap ko ajar aur sawaab bhi milega. Aik dafa kisi sahaabi radhiyallahu anhu ne Rasulullaah salallaahu alayhi wa sallam se daryaaf kiya ” ai nabiullaah ham logon ko achiyi ki targheeb dete he lekin kabhi kabhi ham khud nahin karte hein, kiya ham ghalat nahin kar rahe hein/ rasulullaah saaws irshaad farmate he:- logn ko naseehat karte rehna aur achaahi ki targheeb dete rehna shayad us se tum sharminda ho ke khud amal karne lagoge”
    Karobar ki barkat ki liyerozana surah yaseen parhna ,haraam cheezon ki farokh se bachna aur logon ko imaan daari se pesh aana.
    aakhiri sawaal ka jawaab mufti taqi ne apne website par tafeeli jawwab diya he wahaan aap ruju karle
    click here

  6. Mohammad says:

    Asalamualaykum… Mufti Sahib
    Jazakallah
    Mufti sahaib ap ka bhot shukiriya,
    Mufti shab maeray sawalo ka matlab,kisi ko dukh pohchana ya Tuoba nauozubillah Tabligh ke bare may koi galat bat karna nahi tha,yah shayyad meray likhnay ka tarekaykar ghalat tha.

    ainda likhte waqat app ko send karne se pahlay achi tarhan parliya karonga.

    Agar ap ko meray in sawalo ki waja se takleef pohunchi hay to man ap se mafi mangta hoo.

    Man chun kay pakistan se bahir rehta hon,ur meri wife bhi mashallah converted muslim hay,ur yanhan hum sub kay maslay alag alag hain,

    Ur is tarhan ke bohut se maslay aatay hain,may kisi ko rok to nahi sakta layken agar meray kehnay se koi baz ajai to mujhay khoshi hogi,ur ap ko jaza kair milay gi.(ameen)

    Aik bar phir ap se mafi chahata hoon,ur ainda bhi meray masloo ka hal ka jawab zaroor dijiay ga.

    Jazakallah.
    Allah hafiz.
    Mohammad
    Wa alaykumus Salaam
    Men bhi aap se maafi ka talab ghaar ho. ALLAH HAMARE DILLON MEN MUHABBAT DAALE AUR DEEN KI KHAATIR HAMARE TA ALUQ BARHAADE AMEEN.

  7. Kashif says:

    assalamoalaikum. Mufti Sahib . My quistion is One person, named Zaid , buy a plot by his company, when it was announced in 1981. He also sold it after 5 years. Now company is going to announce new scheme for plots to its employees, But Zaid is not illigible to get the plot, because he had gotten in 1981. Umer, the 2nd person, is illigible, but is a poor, not able to pay for the plot. Now Zaid and Umer decide to purchase the plot from company( as they both are employees the same company ) . Zaid will pay the mony , Umer will apply for the plot , and they both will devide the plot 50% / 50%. Is this will be right, otherwise , please tell the right method to gain the plot, and they both may able to make their own SWEET HOME. Allah aap ko khush rakhay.
    Wa alaykumus Salaam
    In the manner that you explain the issue it will be not permissible as far as shariah is concerned. However to make it permissible, the amount for the land should be loaned to the poor one and half of the land should be given as payment for the loan.

  8. kashif says:

    Thanks for reply.JAZAKALLAH

  9. Shami says:

    Mufti Sahib,
    Assalam o Alaikum
    In our area in Pakistan there are several dealers who’re selling motor bikes on installments. The actual price of motor bike without installment is Rs. 44,000/- whereas on installment its around Rs. 62,000/- They ask some amount say like Rs. 10,000 as down payment and rest amount has to be paid in 2.5 years installments.
    Can we purchase this motor bike with installments?
    Wa alaykumus Salaam
    Installments will be permissible if it not interest orientated. A fix price has to be given before the deal and installments have to divided into the amount of months. No penalty to be paid for delay. Then only will i be permissible.

  10. Umme saudah says:

    I have been having kitchen extension built,non muslim builder told us roof window which opens is not in shop,so he fitted window which doesn’t open.All monies for window and all building work was paid by us in one total. After few weeks of fitting window we found one’s which open but builder told me i have to pay for new openable window.
    Question is : The old window was paid & fitted & not used by us at all, but later changed & fitted by new one paid by us, can i re imburse the amount for old window with interest money because i did not use it & it was removed & taken away back by builder?
    Assalaamu alaykum
    I need to explain that a window that has been used in a building is regarded as been used. Another point to address is whether the builder charged you extra labour for removal and re-fitting? The recharging is totally in his right for his efforts. Sinnce the fitting was done under mutual agreement and later on changed , you will have right to claim the old window. You can ask him to re inburse you for it. If he claims he took it for payment of extra labour then you can discuss it with him. under no circumstances can interest be used for this issue.

  11. adnan says:

    Mufti Sahib
    Assalamu alaikum
    i ahve a question about my job i work for a car dealrship most of the cas sold here is financed and my job title is bussiness manager when customer comes to us and they cant pay cash for the car soo they have to finance the car in that financing APR is involve i get paid on commision i like to know is that hala ????????
    Wa alaykumus Salaam
    I am sorry but i do not understand what you mean by apr financing?? Please elaborate. Jazaakumullaah

  12. Rana Haider Ali says:

    Assalam o Alaikum!
    My company purchased an office Van and insured it with Adamjee Insurance company. Now I know that conventional insurance is Haraam in Islam. As part of my job, I’m responsible for Van management. Recently it got accident and one side damaged severely.Now as part of my responsibility company asked me to claim its insurance.
    Please reply whether is it legal for me to take up this responsibility. Nonetheless I can’t say No straight forwardly to company otherwise I may come under difficulty. As a matter of fact, I was not Alhamdolillah part of purchasing van and insuring it with Insurance company. I am just claiming its insurance. Kindly explain the issue.
    Wa alaykumus Salaam
    Actually this falls under aiding evil and therefore a sin.If one has no other option , then you should do it but realize that you are doing wrong and seek repentance for it.ALLAH wil forgive as you have no other option but to do it..

  13. salim says:

    Asalamu Alaikum
    Mufti Sahib
    I Have a two in one problem ,My boss complains everyday that she pays us so much money as a wage on a monthly basic that we would not able find other work .the may look alot from a distances ,but there is so much ballah on that money ,it evaporates like water on a summer day meaning ,I only see the hard erned mony for a day only there after every cent goes to pay my debt .for 30 days of the month I work so hard ,but see may wages only for a few hours ,not a single cent is left over for me to spend ,this has been going on for 15 years ,I am seeking for a powefull dua for me and my struggling family to come out of this debt trap.I do recite after every namaaz the following dua :Allaahummak-finee bihalaalika ‘an haraamika wa ‘aghninee bifadhlika ‘amman siwaaka. Everything goes wrong in my house ,my wife is sick forever ,my daughter no longer wants to learn in school ,my married son no longer live as as muslim and seldon have food in our house ,over the years i had several Amils come to my house to see whats going ,some of them has caused me more harm than good ,I in desperate need of advise
    Wasalam
    Mohamed Salim
    from south africa
    Wa alaykumus Salaam
    May ALLAH reward all difficulty and hardship from one and all inshaALLAH. The greatest need is that we realise that after evry storm there will be a rainbow. As ALLAH has mentioned ,” Verily with evry hardship there is ease.”Easyis preceded by hardship and therefore we should never loose faith of the mercy of ALLAH.
    My advise is that you start reading surah waaqiah every night and read surah yaseen every morning so that the hardship be eased. The promise of not going hungry and havingenough is linked with surah waaqiah. Surah yaseenfulfills your daily needs. This is a promise as told to us by none other than our Beloved Nabi salallaahu alayhi wa sallam.

  14. HASSAN says:

    MOHTARAM MUFTI SAHAB,
    ASSALAM-O-ALAIKUM,

    IS IT PERMISSIBLE IN SHARIA TO PAY SOME MONEY (USURY) FOR SOME ONES TOTALLY LEGAL RIGHT, FOR WHICH HE HAD TRIED HIS BEST AT ALL LEVELS FOR THE RESOLUTION OF HIS PROBLEM, BUT NO ONE (HIGHER MANAGEMENT, LOWER EMPOYEES) IS READY TO GIVE HIM HIS RIGHT WITHOUT USURY.
    PLZ MENTION THE CONDITIONS WHERE IT IS ALLOWED AND WHERE NOT ALLOWED.

    ALLAH HAFIZ,
    WA ALAUKUMUS SALAAM
    If a person is forced into bribery to get or have one’s right fulfilled which without the bribe will not get fulfilled, then it will be permissible to bribe. If it is not a sharii right then to bribe is haraam.

    HASSAN,
    KARACHI

  15. Ejaz Ali Syed says:

    Assalamu alaikum warahmatullahi wabarakatuh…

    I am Ejaz Syed from Michigan, USA.

    First off, I really thank you for all the wonderful work that youv’e been doing, and we are absolutely grateful for all the efforts that you put in. Jazakallah Khair.

    Coming to my question, Alhumdulillah I recently got a job by the Grace of Allah SWT and its been 6 months since I’ve joined. When I started working as a full time employee, my employer has provided various benefits as a full time employee. And one of then is 401K. I initially thought it might be based on interest and I thought that I would not take any money from it. Now after 6 months, I checked the company’s website thru which our employer invests in retirement plans, I saw that the amount was $1100.

    I got curious, and thought that this might be something good Alhumdulillah and wanted to know how the moeny was being invested. I didnt get a clear understnading with the statistical calcualtions but the basic thing that I understood was….

    1. My company invested money …donno if it was monthly or anually or semi anually…
    2. The amount that was invested was choosen at a type of retirement plan, which as I told u didnt choose it since I wasnt interested in it.
    3. The investment i.e. the moeny from my employer is put in the following way:
    62% stock and 38% bond.

    When I wanted to know what stock and bonds are I clearly came to a conclusion is that bonds are like fixed deposit for a period of time and we earn interest thru it. This I knew is completely absurd.

    Now my question is mufti saab, please bare with me, I see good moeny being generated here, and I am interested in investing moeny but I DO NOT WANT TO GET INTO ANY KIND OF INTEREST BASED TRANSACTIONS.

    So, obviously I cannot take the moeny out, I believe, and I would have to change the option to 100% stocks. BUT I would have already earned certain amount of interest over a period of 6 months as of now.

    What and How do I invest this money.

    1. Shall I leave it totally.
    2. Shall I convert my options to 100% total and lets say after another year the total is 2000. So then I would take 2000 – 1100 = 900 and leave the 1100 off.

    PLease let me know what needs to be done. I would really really appreicate if you could give me a solution.

    Jazakallah Khair for all the patience in going thru my message.
    Wa alaykumus Salaam
    sorry for the delay in reply
    Firstly establish that the stock shares are not investments in haraam stocks like alcohol, abbatiors of haraam origin or interest orientated businesses. Once this is established then you may change over. the amount recieved in investment for the pass six months should be calculated and given out in charity without any hope of reward.

  16. mubashir says:

    Dear Sir,
    Assalamualaikum
    I am a process engineer in oil and gas company

    this company distributed its 5 percent shares among its emplyees on the basis of their service period. The condition for shares transfer is such that emplyees can not sale out their shares, however 50% dividend of these shares will be given to that employee and 50% of these shares will be given to a trust till retiremetn of that emplyee. This company will get back shares from employees at time of retirement and will give them market value of shares.I am too offered 3000 shares.
    Please let me know the lawfulness of being shareholder of OGDCL considering following bussiness detail of this company:
    1-It is oil and gas Exploration, production and Treatment Company.
    2-It is government organization.
    3-Main income of this company is from oil and gas production.
    4-Company gives its employees option for interest free loan, by signing interest free option Performa. By signing this company stops giving him interest on funds deducted from salary of that employee but interest give and take policy with other employees remain active. However the interest from this end does not mix with main income of company because it remains in custody of employees welfare trust.
    5-Bank Accounts of company are saving accounts and it receives remarkable amount of interest of its credit. This interest includes in total profit of OGDCL

    6-This mixing of interest on bank deposits of company is making lawfulness of dividend doubtful. Please guide me in light of Quran and hadith.

    Jazakallah

    Mubashir Ahmed Qureshi
    Wa alaykumus salaam
    In simple words, Investments in such ventures where the majority of income and profit is from halaal sources is permissible but as far as the dividents are concerned it has to be preportionate to the profits and not at a fixed rate. If it is so then the profits attained from interest will beharaaam. The way to make the money halaal is to calculate the interest basedprofits and in proportion to other halaal income be subtracted from the amount recieved. For example a person recieves 50 000 for instance. The ratio of halaal income to the non halaal is 80%. So it means that the amount permissible for use is 40 000 and 10 000 is from interest origin and cannot be utilised by the individual.

  17. waqas abid says:

    assalam-o-alaikum

    mufti sahab.. i m an employee of pakistan air force.. it cuts 6000 per month from my salary… if i keep it fixed to 6000 throughout my service, the profit received would be halal or haram?
    Wa alayklumus Salaam
    for what reason aree these salary cuts? Is it optional?

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