Monthly Archives: April 2007

The Evils of Interest

The Evils of Interest, with Practical Examples

Why is interest evil?

Allah Forbade Interest

Allah says in the Qur’an:

الَّذِينَ يَأْكُلُونَ الرِّبَا لاَ يَقُومُونَ إِلاَّ كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ ذَلِكَ بِأَنَّهُمْ قَالُواْ إِنَّمَا الْبَيْعُ مِثْلُ الرِّبَا وَأَحَلَّ اللّهُ الْبَيْعَ وَحَرَّمَ الرِّبَ

Translation: Those who devour usury will not stand except as stand one whom the Evil one by his touch Hath driven to madness. That is because they say: “Trade is like usury,” but Allah hath permitted trade and forbidden usury. [Surah Baqarah, 2:275]

A few verses later, Allah says:

يَا أَيُّهَا الَّذِينَ آمَنُواْ اتَّقُواْ اللّهَ وَذَرُواْ مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ
فَإِن لَّمْ تَفْعَلُواْ فَأْذَنُواْ بِحَرْبٍ مِّنَ اللّهِ وَرَسُولِهِ وَإِن تُبْتُمْ فَلَكُمْ رُؤُوسُ أَمْوَالِكُمْ لاَ تَظْلِمُونَ وَلاَ تُظْلَمُونَ

Translation: O you who believe! Observe your duty to Allah, and give up what remains (due to you) from usury, if you are really believers. And if you do not, then take notice of war from Allah and His Messenger. But if you repent, you shall have your capital (without interest). Deal not unjustly (by asking more than your capital), and you shall not be dealt with unjustly (by receiving less than your capital). [Surah Baqarah, 2:278-279]

Unfair and Unjust

Abdullah, who takes a $10,000 loan and then he goes out of business. He now has to pay interest on his loan even though he has lost all the funds. In 5 years he might still be suffering and paying back the loans. At 7% interest, he will end up paying $20,000 in total if he still has the loans in 10 years.

A more fair deal would be that the business person who makes a deal that he will lend brother Ahmed $10,000 loan and he will be a partial owner of the business. If Ahmed makes a huge profit, the business person will also get 25% of it, which will be much more than the measly 7% he could have got as interest, and Allah will bless it as well, whereas Allah has cursed the one who takes interest and pays it.

World-Scale Corruption

The international monetary fund (IMF) and World Bank, which gives interest loans to countries – for example Bangladesh might receive an interest loan, and the interest will be so much that they will never be able to pay back the loan. In fact, they may eventually forgive the interest on the loan, or they may not. If they do not, the country sometimes has to sell “cash crops” (goods which cannot be used by the country itself, but can only be sold for money, such as coffee for example – say rather than rice, which can be eaten by the local population) in order to simply maintain the loan. When I say maintain, I mean to keep it at the same amount, and just pay the interest.

Family Corruption

Families where the father loses his job and resort to riba, may end up maxing out their credit cards, and may end up paying hundreds of dollars in interest every month. This is equivalent to burning that cash, because, literally, it is wasted. Why do you think the banks are so rich, anyway? Because suckers like me and you fall for the it and upon us as well is the anger of Allah! This large loans at a 18% interest rate become very difficult to pay back. In fact, at the credit card rate, you will end up paying double the amount if you paid the minimum balance and paid it all in 4 years. An example of this is if you bought a laptop for $2000, and you paid off your full credit card in 4 years, you will have spent $4000 on this laptop.

Alternatives

Place your trust in Allah, and ask him to help you find a way out.

If you have student loans, get rid of the entire amount before you graduate, by asking around for interest free loans from your friends and family members (you can do the same thing even if you’re working). Even if you feel bad/embarrassed to ask for money, remember that the interest you took is extremely sinful and that its better for you to ask so that you can get out of it. Also consider part time, summer jobs, or internships.

Is Riba Interest?

Often, riba will be translated as usury, no interest. Some times people will claim that interest is halal, but only in excessive amounts does it become usury. This is only their vain desires. Bring your proof if you are truthful. The Prophet (peace and blessings of Allah be upon him) said, “The gold for the gold, the silver for the silver, wheat for wheat, barley for barley, date for date, salt for salt, similar for the like, and hand in hand. So whoever adds or seeks to add, then he has used riba. The recipient and the giver of the transaction are the same.” (Reported by Muslim, #1584)

Once Bilal (رضالله عنه) brought Barni (i.e. a kind of dates) to the Prophet (صلي الله عليه وسلم) and the Prophet (صلي الله عليه وسلم) asked him, “From where have you brought these?” Bilal (رضالله عنه) replied, “I had some inferior type of dates and exchanged two Sas of it for one Sa of Barni dates in order to give it to the Prophet; to eat.” Thereupon the Prophet (صلي الله عليه وسلم) said, “Beware! Beware! This is definitely Riba (usury)! This is definitely Riba (Usury)! Don’t do so, but if you want to buy (a superior kind of dates) sell the inferior dates for money and then buy the superior kind of dates with that money.”

Islam QA on interest:

Sources and More Information

Sources:

Ten Tips Towards Being a Successful Husband

Prophet Muhammad (صلي الله عليه وسلم) said, “the best amongst you are the ones who are best to their wives.” So dear Muslim brother! Your obligations towards your wife are not limited to earning money and supporting her financially. A wife needs love from her husband, and emotional support too!

10 Tips on How to Be a Successful Husband

Note: Additions in brackets are notes from a sister.

Prepared by Muhammad Alshareef, reprinted from Islamway.com.

1) Dress Up

Dress up for your wife, look clean and smell good. When was the last time us men went shopping for designer pajamas? Just like the husband wants his wife to look nice for him, she also wants her husband to dress up for her too. Remember that Rasulullah (صلي الله عليه وسلم) would always start with Miswak when returning home and always loved the sweetest smells.

(Dress up for your wife when you are at home also. Some brothers only dress up when they go out and that is not a good practice. A husband should dress up for his wife when they are at home. it makes a wife feel special.)

2) Sweet Names

Use the cutest names for your wife. Rasulullah (صلي الله عليه وسلم) had nicknames for his wives, ones that they loved. Call your wife by the most beloved names to her, and avoid using names that hurt their feelings.

(Remember, you are your wife’s only boyfriend, and her only best friend. She does not go out seeking boyfriends and she shares a halal relationship with you. Love her unconditionally for the sake of Allah. And express your love to her. A woman likes to be told that she is loved. Call her from your work to make sure she is doing fine. I have seen my dad calling my mother several times a day, just to make sure she has been eating well. And my husband calls me at least twice from work to make sure I am doing well. These things are very important in a relationship.)

3) Reward Her Actions

Don’t treat her like a fly. We never think about a fly in our daily lives until it ‘bugs’ us. Similarly, a wife will do well all day – which brings no attention from the husband – until she does something to ‘bug’ him. Don’t treat her like this; recognize all the good that she does and focus on that.

(Whenever there is a fight or argument, just remember all the things she does for you. she cooks for you, she takes care of your home, she takes care of your children and the most important thing is that she guards her modesty. So do not upset her if she is upset with you. Hold her and tell her that you love her. Only your love can repel her anger. Communicate with her and discuss with her if there are any misunderstandings.)

4) Remain Silent

If you see wrong from your wife, try being silent and do not comment! This is one of the ways Rasulullah (صلي الله عليه وسلم) used when he would see something inappropriate from his wives (رضالله عنهنّ). It’s a technique that few Muslim men have mastered.

(Do not criticize her all the time. Trust her and trust her decisions. If she is doing something that you don’t like, or that goes against the teachings of Islam, then do advice her gently.)

5) Smile!

Smile at your wife whenever you see her and embrace her often. Smiling is Sadaqah and your wife is not exempt from the Muslim Ummah. Imagine life with her constantly seeing you smiling. Remember also those Ahadith when Rasulullah (صلي الله عليه وسلم) would kiss his wife before leaving for Salah, even if he was fasting.

(Do let your wife know that you are very happy and blessed to have her. A wife always wonder how her husband feels about her. She may have some insecurity about you, so make her feel secure. Always give her a hug whenever you come back from work. appreciate her and thank her for taking care of everything whole day. If you are not too tired, go out for star gazing for an hour or so.)

6) Acknowledge Her

Thank her for all that she does for you. Then thank her again! Take for example a dinner at your house. She makes the food, cleans the home, and a dozen other tasks to prepare. And sometimes the only acknowledgment she receives is that there needed to be more salt in the soup. Don’t let that be; thank her!

(Write thank you notes for her and place those notes in her books, her purse, her socks, and anything else that belongs to her. You can use your own creativity to thank her. You can thank her by writing something on a mirror with her lipstick, so that she can read it when she wakes up in the morning. You can also thank her by arranging a candlelight dinner AT HOME, you be the cook and let her rest. So far I have learned that a nice romantic dinner at home is much better than going out for dinner. This way a couple saves themselves from many fitnahs. You can thank her by writing her letters and emails. Remember, in Islam, everyday is special. So celebrate wife’s day with her, and do it very often without having a particular date. She will always wonder when the wife’s day is going to be.

You can also give her a certificate of appreciation, or a Best Wife Award on wife’s day. Do everything by yourself that day and let her rest, this way you will also know how difficult it could be to do household chores. Thank her by building a webpage for her, write a note there and a poem and then ask her to visit your webpage. Thank her by recording a voice message on a cd for your wife. She will love it!

Thank her by giving her a gift, and a gift does not have to be expensive. Be creative! You do not have to give her Roses, you can give her a leaf too! (My husband gave me a leaf once, instead of roses, and I was very happy and surprised, and I appreciated his creativity). So remember, thoughtful and creative gifts makes a wife feel secure and happy. Thank her by ordering a halal pizza for her, ask the restaurant to cut it in a heart shape and have it delivered with a personalized note. Thank her by thanking her in a family gathering. A woman likes it when her husband gives her attention.

If you visit her parents or your parents, hold her hands and tell your parents how happy you are after marriage. Give your wife an Islamic book as a gift after praying Tahajjud. Use your imagination and think about unique gifts. Remember, she does not need a diamond, she needs your sincerity and your heart, so always give her the gifts that are thoughtful. Whenever you do something to make her happy, observe her facial expressions and ask yourself about how you feel when you become her happiness.)

7) Ten Blessings From Allah

Ask her to write down the last ten things you did for her that made her happy. Then go and do them again. It may be hard to recognize what gives your wife pleasure. You don’t have to play a guessing game–ask her and work on repeating those things in your life.

(Also ask her to write down the things you did that she did not like, or the things you did that made her unhappy. Try to not do those things in future. If she falls ill, let her lay down, and read different surahs from Qur’an while placing your hand on her forehead. When I got sick, my husband recited Qur’an for me, it really helped a lot mashaAllah. Remember, a wife needs her husband the most when she is not feeling well. Take good care of her because a healthy wife makes a healthy family. Do not expect too much from her when she is sick.)

8) Validate her Feelings

Don’t belittle her desires. Comfort her. Sometimes the men may look down upon the requests of their wives. Rasulullah (صلي الله عليه وسلم) set the example for us in an incident when Safiyyah (رضالله عنها) was crying because, as she said, he had put her on a slow camel. He wiped her tears, comforted her, and brought her the camel.

(If there is a time of sadness, give her your shoulder to cry on. Hold her and tell her that everything will be fine. Alhamdulillah, my husband and my dad are amongst those Muslim husbands who would even have tears in their eyes if their wives are sad. Remember, a woman does not like to cry alone in a corner. She needs someone to hold her when she is sad, so never let her feel lonely. Remind her the verses from Qur’an that talks about Patience and Piety.)

9) Have Fun!

Be humorous and play games with your wife. Look at how Rasulullah (صلي الله عليه وسلم) would race his wife Aisha (رضالله عنها) in the desert. When was the last time we did something like that?

(A sense of humor plays a very important role in a marital relationship. Most women wish to have a husband who has a good sense of humor. Tell her decent and modest jokes that make her happy. A wife appreciates it very much if her husband makes her smile. You can play various games at home. Play with crayons, or have a pillow fight. Or hide different notes in your bedroom and ask her to find it. Think of different games you can both play. Let her win sometimes!

Adopt interesting hobbies, such as reading, cooking together and gardening (grow a surprise rose plant in your garden, when you have the first rose blooming, take her to the garden and show it to her. Newspaper and Sports Issue! Men like to watch sports, or read newspaper. Most Pakistani wives consider newspaper as their co-wives. So be very careful. If you are watching sports, turn the TV off if your wife comes around. Give her attention. Do not spend too much time reading newspaper, and do not read newspaper on the breakfast table, rather have an Islamic discussion. If you want to get her to like newspaper, then try to find something that interests her. Such as, try to find a news about Hijab. Or try to find a news about Muslim women for her.)

10) Be The Best

Always remember the words of Allah’s Messenger (صلي الله عليه وسلم): “The best of you are those who treat their families the best. And I am the best amongst you to my family.” Try to be the best! In conclusion: Never forget to make Dua to Allah (سبحانه وتعالى) to make your marriage successful. And Allah ta’ala knows best!

(And once again: your wife is your best friend, and your girlfriend. Share everything with her. Remember she is your garment and you are her garment, so hide her faults and mistakes. Learn to forgive her. Also communicate a lot with her family. It really makes a difference if husband communicates with his in laws. It helps both husband’s and wife’s family to share a beautiful relationship. Respect her parents and show your love to her family. This will inspire her to love and respect your family. If her family is not muslim, do dawah to them in a beautiful way.)

Spend lots of time praying to Allah swt. Do fast often even if it is not Ramadan. Fasting brings patience and taqwah. Lead her in the prayer. There is nothing better than praying together. Remember Allah, so that Allah remembers you.

May Allah bless us and guide us all. Ameen!

References

Alshareef, Muhammad. “[10 Tips] How to Be a Successful Husband.” IslamWay. 24 Apr. 2007 <http://english.islamway.com/bindex.php?section=article&id=103>.

A Necklace of Fire

In Surah Lahab, Allah says:

وَامْرَأَتُهُ حَمَّالَةَ الْحَطَبِ
فِي جِيدِهَا حَبْلٌ مِّن مَّسَدٍ

Translation: And his wife, the wood-carrier. Upon her neck is a twisted rope of Masad (palm fibre).

Abu Lahab and his wife were some of the most severe opponents to the Prophet (صلي الله عليه وسلم). They fully understood his message and recognized him as a Prophet, and still they opposed him, until the end of their days.

The wife of Abu Lahab used to go out of her way to harm the Messenger of Allah (صلي الله عليه وسلم). For example, she would place thorns on the path he would take. After this surah was revealed, she was so furious, she picked up a big rock and set out to brain the Messenger of Allah. But Allah protected him.

That was the mentality they had, these opponents of the da’wa.

So you might ask, what’s the deal with this necklace of palm-fibre?

The answer is, Abu Lahab’s wife used to own like a gold necklace. You know how at fundraisers, people give their gold, their jewelry, for the masjid or the cause? Well, she sold her necklace to oppose Islam, and in the akhira, Allah (سبحانه وتعالى) replaced it with a necklace of fire.

And we learn from this that, for the person who gives in the way of opposing Islam, Allah rewards them with a painful reward. So for sure Allah will reward those who give in the way of Islam.

References

Touched by an Angel: Tafseer of Juz ‘Amma. By Muhammad Alshareef. 2007.

Touched by an Angel

Touched by an Angel: Tafseer Juz ‘Amma is an AlMaghrib Institute course taught by Muhammad Alshareef.

Most Muslims learn the Qur’an starting with Juz ‘Amma–the shortest chapters of the Qur’an. But, most of us also have no idea what these verses we recite–day after day, and prayer after prayer, for many of us–actually mean, and what lessons they impart.

Touched by an Angel: Tafeer Juz ‘Amma cures that, by giving Muslims what each and every one of us desires: understanding of the Qur’an. With themes such as the Apocalypse and the End of Time, the Day of Judgment, and Paradise and Hellfire, you will now finally be able to understand and appreciate all of these beautiful surahs of the Qur’an with your heart.

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References

Touched by an Angel: Tafseer of Juz ‘Amma. By Muhammad Alshareef. 2007.

The Shepherd’s Path

The Shepherd’s Path

The Shepherd’s Path is an AlMaghrib Institute course taught by Muhammad Alshareef.

While many of us claim to love the Messenger of Allah (صلي الله عليه وسلم), few of us follow his path, and fewer still know more then snatches of information about him. How did he live, and how did he die? What key lesson did the angel Jibreel send by squeezing him three times before the first revelation? What deep and profound lessons can we learn and apply from his life, to our current situation? What would he do if he were in our position today?

Don’t know the answers? Well, read on inshaAllah and find out!

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References

Muhammad Alshareef. Lecture. AlMaghrib. The Shepherd’s Path. University of Ryerson, Toronto. March 2007.

The Love of Your Life

One of the best things about Islam is that it’s a deen–a total, comprehensive, complete, and perfect way of life, and it governs every aspect of life from large-scale social phenomena (such as marriage) to the way you eat and sleep.

For people who are dating, subhanallah, they say they’re looking for that “special someone” or “the right person.” But they continue dating for 6 months, a year, two years, five years, TEN years, they have kids–they’re still just dating–and they STILL don’t know! And when someone “better” comes along, they jump ship!

But subhanallah, in our deen we have salaatul istikhaara, a prayer for indecision. Anytime you’re not sure about something, just hit up the nearest sink for wudoo’, pray two rakaahs (or omit this part, if you’re pressed for time) and ask Allah for guidance, with the du’a the Prophet (صلي الله عليه وسلم) taught us:


Dua al-Istikhara

Transliteration: Allahumma in kunta ta lamu anna (hathal-amra*) khayul-lee fi deenee wama ashi wa ajila amri wa’ajilah, faqdurhu lee, wayassirhu lee, thumma-barik lee fih. Wa’in kunta ta lamu anna (hathal-amra*) sharrul-lee fi deenee. Wama ashi. Wa ajila amri. Wa’ajilahu. Fasrifhu annee. Wasrifnee anh. Waqdur leyal-khayr haythu kan. Thumma ardini bih.

Translation: Oh Allah! I seek Your guidance by virtue of Your knowledge, and I seek ability by virtue of Your power, and I ask You of Your great bounty. You have power; I have none. And You know; I know not. You are the Knower of hidden things. Oh Allah! If in Your knowledge, this matter is good for my religion, my livelihood and my affairs, immediate and in the future, then ordain it for me, make it easy for me, and bless it for me. And if in Your knowledge, this matter is bad for my religion, my livelihood and my affairs, immediate and in the future, then turn it away from me, and turn me away from it. And ordain for me the good wherever it may be, and make me content with it. (And then mention the matter)

What could be better then this? Within five minutes, you have the ultimate answer in your hands! If this person is the best for you in this life and the best for you in the akhira–in other words, the perfect person for you, and you for them–then Allah makes it easy! And if not, then Allah makes that easy too! No worries, no stress, no long-term investment required without a full after-life guarantee!

After all, everybody wants what’s best for them. So why not ask the All-Knowing, the All-Hearing, before you make the life-long (and after-life-long) plunge? And after that, he or she is your destiny, so accept it gracefully, and be thankful to Allah for this tremendous blessing. You have achieved what millions of people–with their clubs, their bars, their blind dates, their proms, and their parties–could only dream of: a long-lasting, permanent relationship that is THE best for both of you, in both this life AND the eternal hereafter.

May Allah purify our intentions and help us to achieve this great success (ameen)! (If you ARE thinking about getting married, or are already married, read these ten tips for IMMEDIATE benefit inshaAllah to your marriage.)

The Purification Act

The Purification Act is an AlMaghrib Institute course taught by Abdul-Bary Yahya. If you think you know wudoo, think again! This course teaches you the ins and outs of tahara (purity and purification) and salaah (prayer)–everything from whether one adhaan or two is more correct, to the proper way to purify dog-slobber from your best china, to whether a pigskin football (or for that matter, a leather jacket) is najas or not. In addition, you get a firm grasp of scholarly opinions, and learn which opinion–or opinions–are the strongest, and why.

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References

Abdul-Bary Yahya. Lecture. AlMaghrib. The Purification Act. University of Toronto, Toronto. November 2006.

Breach of Covenant

Surah Baqarah. The name conjures to mind the story–the cow, Bani Israeel, Prophet Musa (عليه السلام), the creation of Adam (عليه السلام), the origin of magic, and others. The longest surah in the Qur’an.

Breach of Covenant is an AlMaghrib Institute course taught by Muhammad Alshareef. It teaches tafseer–the text, the lessons, the gems. Explore Surah Baqarah in a light you’ve never seen it through before. Learn, ayah by ayah, the meanings of the first juz of the Qur’an, and open your eyes to the deeper patterns, the deeper lessons, the deeper benefits.

Won’t you come benefit with us?

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References

Muhammad Alshareef. Lecture. AlMaghrib. Breach of Covenant. University of Toronto, Toronto. May 2005.

Manly Awrah

Awrah: islamically, this refers to the area of a human being that is considered private, and, for lack of a better description, “not for public consumption.”

We know of many reports that the Messenger of Allah (صلي الله عليه وسلم) said, “once a woman achieves puberty, it is not befitting that she show anything except this (indicating his face) and this (indicating his hands up to the wrists).” So we know about a woman’s awrah … but how about a man’s awrah? Know that the scholars divided this issue into two parts–awrah in prayer, and awrah out of prayer. And the main proof of a man’s awrah is a hadith where the Messenger of Allah (صلي الله عليه وسلم) states that a man’s awrah is between his navel and his knees in prayer.

First, for out-of-prayer: scholars agree that private parts (front and back) are awrah, but differed on whether the thigh is part of awrah or not. Why did they differ? There are two proofs that apply here:

  • In one report, during the battle of Khandaq, the companions reported that they could see the thigh of the Prophet (صلي الله عليه وسلم) as they all dug the trench.
  • In another hadith, ‘Aisha (رضالله عنها) narrates that the Messenger of Allah (صلي الله عليه وسلم) was sitting in his house, when Abu Bakr (رضالله عنه) came in, then ‘Umar (رضالله عنه), then ‘Uthmaan (رضالله عنه)–and before ‘Uthmaan came in, the Prophet (صلي الله عليه وسلم) covered his thigh area. (when ‘Aisha (رضالله عنها) asked why for ‘Uthmaan, and not the others, he said “shall I not be shy of the one whom the angels are shy of?”) [Sahih Muslim 31/5906]

What’s the end-conclusion? Wallahu ‘alim, the safer opinion is that it is awrah, and should be covered. How, then, do you explain the above two hadith?

  • For the trench incident, scholars say that was an exception–it was exposed because of the digging, it wasn’t intentional.
  • For the hadith of ‘Aisha, notice the narrator–the wife of of the Prophet! It may be that she (رضالله عنها) was in a position where she could see what the other companions could not. Also, she narrates “thigh or knee,” meaning it’s not certain that his thigh WAS uncovered.

Next, regarding prayer: we have two hadith from the Messenger of Allah (صلي الله عليه وسلم). In one, he advised men to cover from the navel to the knees in prayer. And–and this is cruicial–in the second, he said “do not pray with your shoulders open [i.e. uncovered].”

From this, scholars mention that men MUST have their shoulders covered when they’re praying–so next time you hit the beach, make sure you take a shirt with you, or keep your towel handy.

But more importantly–Hajj! One of the mistakes people make is that they pray with their right shoulder exposed! It’s not a requirement to have it exposed for the trip, except for running that one valley. This actually detracts from their salaah! Subhanallah!

And that “wraps up” the topic of awrah! May Allah grant us full understanding of this small but vital part of our deen and protect our prayers from nullification, ameen!

References

Abdul-Bary Yahya. Lecture. AlMaghrib. The Purification Act. University of Toronto, Toronto. November 2006.

Rizq Management

Rizq Management is an AlMaghrib Institute course taught by Muhammad Alshareef. The course focuses on three pillars of Islam: Zakaah, Siyaam, and Hajj. Which moon opinion is correct–one of them? Allof them? Does chewing gum break your fast? (Why or why not?) Does a woman pay zakaah on her gold jewelry?

Learn about these three fundamental pillars of Islam, and how to not only perform, but how to benefit from them at the highest level!

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References

Muhammad Alshareef. Lecture. AlMaghrib. Rizq Management. University of Toronto, Toronto. June 2006.