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Living \r\n the Quran

Al-Baqara \r\n (The Cattle)
\r\n Chapter 2: Verses 278-279

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Bank \r\n Interests in the Eyes of the Shari`ah
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"O you who believe! Fear Allah and \r\n give up what remains of your demand for usury if you are indeed believers. \r\n If you don’t, take notice of war from Allah and His messenger. But \r\n if you turn back, you shall have your capital sums. Deal not unjustly \r\n and you shall not be dealt with unjustly."

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Islam prohibited depositing one’s wealth and taking specified increase \r\n without the risk of either loss or profit making. Therefore, the type \r\n of investment allowed is where a person deposits money in an account and \r\n shares both the risk of making profit or losing. This is the definition \r\n of the Islamic investment method. The interest \r\n on bank accounts is unlawful or haram because such interest is an increase \r\n of money made without effort or trade.

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Interest is unlawful, so taking it and paying Zakah would not purify \r\n the money. Because it is unlawful, you should \r\n donate it to the poor or to charitable projects and organizations. \r\n Interest is not the property of either you or the bank. It \r\n is the property of the public and should be spent on public projects. \r\n This is the rule for unlawful money in Islam. We should not leave it for \r\n the bank. This will strengthen banks that deal with usury.

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Someone may say that the money deposited is at risk of being lost if \r\n the bank declares its bankruptcy. This situation does not invalidate the \r\n rule. Rules in Islam are not built on exceptions \r\n and this is an exception. Usually, whoever deposits his \r\n money makes money. They don’t lose. If they do one time, this is \r\n a deviance from the rule.

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Someone may also say that the bank trades with the deposited money. The \r\n answer is yes. However, when you deposited your money, have you entered \r\n a commercial contract with the bank? Of course not! If you entered in \r\n a partnership contract from the beginning and the bank lost and declared \r\n bankruptcy, then the rule is different. However, depositors usually demand \r\n their money when a bank loses and banks do not deny them that right. They \r\n usually pay it back even if they declare bankruptcy on the payment basis. \r\n Depositors usually do not look at themselves as responsible, as partners \r\n in the loss. They demand that their money, even if it has interest with \r\n it, be paid fully even though the bank has declared its bankruptcy.

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The repentance meant here is keeping original capital and refraining \r\n from taking any increase made without effort or joint investment.

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Source:
\r\n "Bank \r\n Interests in the Eyes of the Shari`ah" - Yusuf Al-Qaradawi, IslamOnline.net

\r\n Understanding the Prophet's Life
\r\n Soften Your Heart
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\r\n The Sunnah (established tradition) of the Prophet Muhammad ibn Abdullah \r\n (peace be upon him) is no less emphatic in establishing the functional \r\n imperative of Muslims addressing societal deprivation. In a hadith contained \r\n in the Musnad of Ahmed: \r\n

Abu Hurairah reported that a man complained to Rasulullah about the \r\n hardness of his heart and he said, "Be \r\n benevolent to orphans and feed the poor."

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As the social indicators of the widening gap between the haves and \r\n the have nots scream out for redress, too many Muslims continue to imitate \r\n cattle by not being able to distinguish between legitimate and bogus \r\n cries for help in the land. The collective conscience of the Ummah in \r\n North America is too often soothed by checkbook taubah (repentance), \r\n as charitable donations are almost exclusively forwarded to overseas \r\n zip/postal codes; if at all. The almost 40 million identifiable impoverished \r\n persons in the US (40 percent of whom are children), coupled with the \r\n millions of homeless men, women and children (many sleeping on sidewalk \r\n heat grates in front of federal government buildings in the nation's \r\n capital), are potential witnesses against the Muslims on the Day of \r\n Judgment. Social obligations are not frivolous duties. Crimes \r\n against Allah may be forgiven in this world. But, social crimes and \r\n the usurpation of the rights of others will be settled in the Hereafter \r\n with Allah restoring the rights of the ill-treated. \r\n

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Source:
\r\n "Attending \r\n to Neighborly Needs" - Imam Khalid Griggs

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Cool \r\n Concepts!
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Ten Causes Resulting \r\n in Allah's Love

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First, reciting the Qur'an \r\n while pondering over its meanings and what is meant by it.

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Second, getting closer to \r\n Allah by performing voluntary deeds after completing obligatory deeds. \r\n This is as is stated in a Hadith Qudsi: "My slave continues getting \r\n closer to Me by performing voluntary deeds until I love him." \r\n [al-Bukhari]

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Third, continual remembrance \r\n of Allah under all circumstances, with one's tongue, heart and actions. \r\n The extent of one's love of Allah is determined by this.

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Fourth, giving precedence \r\n to what He loves over what you love when you are overtaken by your \r\n desires.

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Fifth, the heart being avid \r\n of Allah's Names, and Attributes and the heart roaming in that garden \r\n of knowledge.

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Sixth, observing Allah's kindness, \r\n goodness and bounties, both hidden and open.

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Seventh, and this is the most \r\n wonderful, the heart being soft, subdued and meek before Allah.

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Eighth, being alone with Allah \r\n during the time when the Lord descends during the last portion of \r\n the night while reading His Book and ending that by asking for forgiveness \r\n and repenting.

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Ninth, sitting with the beloved \r\n and sincere, benefiting from the most fruitful of their speech. And \r\n not to speak unless speaking is more beneficial and you know that \r\n it will improve your state and be beneficial to others.

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Tenth, remaining away from \r\n every cause that comes between the heart and Allah.

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These ten causes take the lovers to the station of true love and \r\n bring them to their Beloved.

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Source:
\r\n Madarij as-Saalikeen \r\n - Ibn ul Qayyim al Jawziyyah, vol. 3, pp. 17-18

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