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Al-Fathby Saud Al-Shuraim
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    يَسْتَعْجِلُونَكَ بِالْعَذَابِ وَإِنَّ جَهَنَّمَ لَمُحِيطَةٌ بِالْكَافِرِينَ
    They want you to hasten the punishment: Hell will indeed surround the unbelievers.

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      Usury afflicts the human soul with diseases, the economy with plagues and causes an unequal distribution of wealth which result in the destruction of the human societies. The author of the economic encyclopedia said that usury had a great role to play in the collapse of the primitive societies, and in the emergence of the slavery-based economies. Because of the fact that loans were guaranteed by the borrower himself along with other guarantees, the end was always the centralization of the “real-estate ownership” in the hands of the few. Continue reading

      If money is confined only to the rich, the rich and the poor will both suffer. Usury centralizes money in the hands of the few and deprives the majority of this money, and this is what is called the inequitable distribution of wealth.

      Dr. Schacht, the former president of Bank of Germany, said in a lecture delivered in Syria 1953, “It becomes obvious, with an infinite mathematical calculation, that all the wealth would end up to the hands of usurers. That is because debtor usurers always profit in every deal whereas creditors are liable to profit and loss. Hence, all the money, by mathematical calculation, will end up to he who always gains.” That is why, the Jews insist on dealing through usury and spreading it among people. Moreover, they are keen on teaching such a “profession” to their children in order to take hold of the money and hoard it in their safes. Continue reading

      Human societies are based on people’s unity through cordiality and love which are the product of mercy, vouching and brotherhood. The individuals in the society, or any group of people, who do not care about the pains, suffering and ordeals of their brothers in the same society are exactly like the paralyzed organ that has nothing to do with the other organs in the body, or like those who are doing the donkey work because their aims and ambitions are only centered around their own interest. That is why; they do not care about those who are bereaved of their children, or the moaning of the sad people or the suffering of the orphans. They know nothing about the miserable and the needy except that they are a priceless prey whose blood has to be sucked. Continue reading

      The Qur’an describes the state of the usurer as the one whom the Devil has exhausted and prostrated by his touch; Allah says: (Those who charge usury are in the same position as those whom the devil hath prostrated by (his) touch. That is because they say: “Trade is like usury” whereas Allah permits trade, and prohibits usury. Thus, whoever heeds this commandment from his Lord, and refrains from usury, he may keep his past earnings, and his case is for Allah (to judge); but whoever returns (to usury) – Such are the rightful owners of the Fire.)  (Surat Al Baqarah (The Cow), verse 275)  Continue reading


    The Psychological and Moral Effects:

      Allah sent religion to the people to guide them to the right path, and to raise them to highness and perfection so that they can get rid of the corruption of their souls with its hopes and ambitions.

      Islam’s aim is to purify both people’s hidden souls and visible acts, and the legislations of Islam are working on those two things as Allah mentions in the Qur’an the words “Purification” and “sanctifying.” In Surat Al-Tawbah (Repentance; verse 103): (Take alms from their money to purify them and sanctify them. And pray for them; surely your prayer is an assuagement for them; and Allah is the All-Hearing and the Omniscient) Continue reading

    The Wisdom in Prohibiting Usury in Islam

    Allah says in Surat Al-Baqarah (The Cow) verse 275Those who charge usury are in the same position as those whom the devil hath prostrated by (his) touch. That is because they say: “Trade is like usury” whereas Allah permits trade, and prohibits usury. Thus, whoever heeds this commandment from his Lord, and refrains from usury, he may keep his past earnings, and his case is for Allah (to judge); but whoever returns (to usury) – Such are the rightful owners of the Fire. )

    It is reported that Gabir transmitted that: ” TheProphet Muhammad (peace and blessings of Allah be upon him) cursed those who pay usury, those who receive it, those who write a contract based on it, and those who witness such a contract, and said they are all equal.”

    Definition of usury: Usury means “growth” or “addition”, and what is meant by “addition” here is what is added to the capital.

    Its legitimacy: It is prohibited in all religions and strictly forbidden in Judaism, Christianity and Islam.

    Usury is mentioned in the Old Testament: 25 “If you lend money to one of my people among you who is needy, do not be like a moneylender; charge him no interest “.  Exodus 22

    And in the New Testament 6:34 And if ye lend to them of whom ye hope to receive, what thank have ye? Even sinners lend to sinners, to receive again as much. 6:35 But love your enemies, and do them good, and lend, never despairing; and your reward shall be great, and ye shall be sons of the Most High: for he is kind toward the unthankful and evil. (Gospel of Luke)

    Besides, the Church declared usury unlawful.  source:Imanway.com


     

     

     

     

     

     


    Of all the beneficial principles propounded by Islam, none are more useful for humanity at large than those governing income and expenditure. The main sources of income to the Islamic Exchequer are Zakat, Ghanimhh, Jizyah (Tithe) and Kharaj. Zakat which literally means growth and purity is a tax on Muslim Capital owned beyond a certain minimum. Zakat occupies an important place amongst the (Fard) Fundamentals of Islam, the observance of which is binding on Muslims. It is an ordinance (Fard). According to the Holy Prophet of Islam (upon whom be peace), it was to be taken from the rich among them in order to be given to the poor. “This beneficial tax is called Zakat”, writes Aghnides, in Muliammadan theories of Finance “because of its giving lead to an increase of prosperity in this world and growth of religious merit in the Next” The Zakat is a tax levied on capital goods” and is due when one is in “possession of full ownership of a productive Nisab(minimum) of property; and its raye is 2 1/2% of the value of possessions other than land”. Tithe is a tax levied on the agricultural produce of the land. The Holy Quran enjoins upon the faithful to pay this tax in these words: “And on the day of its harvest give its Right” (VI:142). The Prophet of Islam determines its rate as, “In what has been irrigated with rainwater, one tenth and in what has been watered with buckets or Continue reading

    An important principle of Islam is that everything belongs to God, and that wealth is therefore held by human beings in trust. The word zakah means  both “purification” and “growth.” Our possessions are purified by setting aside a proportion for those in need and for the society in general. Like the pruning of plants, this cutting back balances and encourages new growth. Continue reading

    Every Muslim, male or female, who, at the end of the year, is in possession of approximately fifteen dollars or more, in cash or articles of trade, must give Zakah at the minimum rate of two and one-half percent. In the case of having the amount in cash the matter is easy. But when a person has wealth in business stocks or trade articles, he must evaluate his wealth at the end of every year according to the current value and give Zakah at the same rate of two and one-half percent of the total value of the wealth. If his investment is in immovable property like revenue buildings and industries, the rate of Zakah should go by the total net of the income, and not of the total value of the whole property. But if he puts up buildings and houses for trade or selling, Zakah rate should go by the total value of the entire property. Also if someone is a creditor and the indebted person is reliable one should pay Zakah for the amount he has lent because it is still a portion of his guaranteed wealth.

    Continue reading

    The financial obligation upon Muslims.

    An important principle of Islam is that everything belongs to God, and that wealth is therefore held by human beings in trust. The word zakah means  both “purification” and “growth.” Our possessions are purified by setting aside a proportion for those in need and for the society in general. Like the pruning of plants, this cutting back balances and encourages new growth.

    Each Muslim calculates his or her own zakah individually. This involves the annual payment of a fortieth of one’s capital, excluding such items as primary residence, car and professional tools.

    An individual may also give as much as he or she pleases as sadaqa-h,  and does so preferably in secret. Although this word can be translated as “voluntary charity” it has a wider meaning.
    The Prophet said, “Even meeting your brother with a cheerful face is an act of charity.” The Prophet also said: “Charity is a necessity for every Muslim.” He was asked: “What if a person has nothing?” The Prophet  replied: “He should work with his own hands for his benefit and then give something out of such earnings in charity.” The Companions of the Prophet asked: “What if he is not able to work?” The Prophet said: “He should help the poor and needy.” The Companions further asked: “What if he cannot do even that?” The Prophet said: “He should urge others to do good.” The Companions said: “What if he lacks that also?” The Prophet said: “He should check himself from doing evil. That is also an act of charity.”            source: Islam101.

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