Ilim o Ulama | Rehmat e Sehr
Host: Raees Ahmed | Topic: Sood Ki Hurmat
Guest: Mufti Muhammad Akmal, Allama Liaqat Hussain Azhari,Allama Hafiz Owais Ahmed
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Host: Raees Ahmed | Topic: Sood Ki Hurmat
Guest: Mufti Muhammad Akmal, Allama Liaqat Hussain Azhari,Allama Hafiz Owais Ahmed
#ramzan #shaneramzan #aryqtv #ramzan2025
Join ARY Qtv on WhatsApp ➡️ https://bit.ly/3Qn5cym
Subscribe Here ➡️ https://bit.ly/aryqtv
Instagram ➡️ https://www.instagram.com/aryqtvofficial
Facebook ➡️ https://www.facebook.com/ARYQTV/
Website ➡️ https://aryqtv.tv/
Watch ARY Qtv Live ➡️ http://live.aryqtv.tv/
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LifestyleTranscript
00:30There is a reflection of this in the Holy Qur'an.
00:33There is a lot of evidence for this in the Holy Qur'an.
00:37If you look at Surah Al-Baqarah, you will see a lot of evidence for this.
00:40And if you look at other verses, you will see a lot of evidence for this.
00:44And if we read the history of the Arabs,
00:46the Jews and their different tribes in Medina and Munawwara,
00:51they also used to do a lot of trading.
00:54After the arrival of the Prophet,
00:57they created such an environment that it became a place of honour and peace.
01:01And they also served Islam.
01:03So there are a lot of things in history that are related to interest.
01:07Even today, we do not feel in small matters where we are paying interest.
01:13In this regard, today's program is very important.
01:16We will talk about the prohibition of interest.
01:18We will talk about its types.
01:20And with other references, God willing, we will talk.
01:23Allama Mufti Muhammad Akmal Madani Sahib comes to our segment.
01:26As-Salaam-Alaikum.
01:29And with him is Allama Liaqub Hussain Azari Sahib.
01:32As-Salaam-Alaikum.
01:35And with him is Allama Hafiz Ubaid Sahib.
01:38As-Salaam-Alaikum.
01:41And on my left is Sanaa Khan Saklayan Rasheed,
01:45Tasadduq Rasool Ali Shabbir and Ali Haider Chauhan.
01:48As-Salaam-Alaikum.
01:50I would like to know the definition of interest.
01:54And what does interest mean?
01:56Ibtadan Mufti Sahib, please instruct us.
01:58I seek refuge with Allah from the accursed Satan.
02:00In the name of Allah, Most Gracious, Most Merciful.
02:02In terms of terminology, interest means extra.
02:08Anything that is extra is called Riba in Arabic.
02:11In Urdu, it is translated as interest.
02:14In terms of terminology and Sharia,
02:17Interest is the extra that has been made conditional
02:22in terms of financial matters.
02:25And that extra is not the return of anything.
02:28For example, we take a loan from a bank.
02:31I am not talking about an Islamic bank.
02:34If we take 40 lakhs, then we have to return 50 lakhs.
02:38And this has become a contract.
02:4040 lakhs is the return of 40 lakhs.
02:42What is the return of the 10 lakhs that we are giving?
02:45It is not the return of anything.
02:47It is interest.
02:48Because in terms of financial matters,
02:51it has been made conditional.
02:53Our Sharia, as Allah has said,
02:55Allah has made buying and selling lawful.
03:00But He has made interest unlawful.
03:02That is why there are very severe violations of interest,
03:05as the scholars will explain.
03:07Sometimes we do not understand the definition of interest.
03:11And because of that, we make many mistakes.
03:13If these are the violations, then the Prophet will explain.
03:16But I will only say this much.
03:18In this matter, Sharia gives such a strict command
03:22that interest is forbidden,
03:24and so is Shibha-e-Riba.
03:26That is, anything in which the meaning of Riba or interest is seen,
03:31whether it is seen in a spiritual sense,
03:33even if it is Shaibah, it is immediately forbidden.
03:36Therefore, if we make an investment,
03:38then sometimes there is intercession and Shirkat.
03:42Shirkat means that you also get money,
03:44and I also do some business.
03:46Intercession means that I get money,
03:48you work hard, and we earn something.
03:50Now, if interest is fixed in this,
03:53that whatever happens, 50,000 is yours.
03:56If this is fixed, then it is counted as interest,
03:59that it is an interest in a spiritual sense.
04:02That is why there are a lot of our sisters,
04:04they have come, give me two lakh rupees,
04:06every month take two thousand from me.
04:09If this is fixed, then it is an interest in a spiritual sense.
04:12In the same way, some people give their animals to someone,
04:16and say that it comes in a business,
04:20but it also comes in a spiritual sense,
04:22that I will serve in it, I will take this much,
04:25and if children are born, then I will also keep a child.
04:28This is the exaggeration that he has made,
04:31and it also corrupts the contract,
04:33and in this, in a spiritual sense,
04:34there can be an effect of interest.
04:36And in the same way,
04:37there are many other situations in our society.
04:39So, we will talk about its types as well.
04:42I think it is important here,
04:45that sometimes we are borrowing from both sides.
04:49When a loan comes,
04:50then the Prophet has forbidden it in a spiritual sense,
04:52there can be an idea of interest in this as well.
04:54This usually happens in currencies.
04:56For example, someone says here,
04:58give me a dollar in Dubai,
05:00or give me a dirham in UAE,
05:04and take money from me here.
05:05But he is not even giving money.
05:06He said, yes, there also, yes.
05:08So, there are corruptions in this as well.
05:10So, there are many situations in which we will talk.
05:12But this is the last thing,
05:14that its definition should be kept in mind.
05:17Okay, I am sorry,
05:18I will just add one more thing.
05:19Yes, go ahead.
05:20The business of installments in our society,
05:22people think that there is interest in this as well.
05:24That on the installment,
05:26the shopkeeper says,
05:27if you take a loan,
05:28you will take this much,
05:29and if you take a loan, you will take this much.
05:30So, they say,
05:31there is interest in this as well,
05:32but there is no such thing in this.
05:33The reason for this is,
05:34that the definition of interest should be kept in mind,
05:36that interest is that financial matter,
05:38in which,
05:39at the time of interest,
05:40some excess is considered to be required.
05:42And that excess should not be in exchange for anything.
05:44Whereas, here,
05:46if you are giving cash,
05:47then also in exchange for the bottle,
05:48and if you are giving loan,
05:49then also in exchange for the bottle.
05:50So, here, interest is not required.
05:52Okay, okay.
05:53Sir, I have a little confusion,
05:56that when in installment also,
05:58payment is being taken more,
05:59if you are taking on cash,
06:00then it is coming on the same cash.
06:01So, won't that be counted as interest?
06:03In installment,
06:04the payment is being given more.
06:06Yes, I can understand your inner state.
06:08The problem is that,
06:10as I told you the definition,
06:12that if there is no exchange for anything,
06:14then it is interest.
06:15Whereas,
06:16in the business of installments,
06:18if you are giving cash,
06:19for example,
06:20I am selling a bottle,
06:21then also it is the price of this bottle.
06:22And the loan is also the price of this bottle.
06:25There is an exchange for that.
06:26If there is no exchange,
06:27then it becomes interest.
06:28Okay, okay.
06:29Thank you very much.
06:30Let's move ahead.
06:31And I would like to request Allama Liaquat Hussain
06:33to give a comment
06:34on the way in which
06:35the interest has come
06:36from the soul of the Quran and Hadith.
06:39Yes,
06:40In the name of Allah,
06:41the Most Gracious, the Most Merciful.
06:42Thank you very much,
06:43Mr. President.
06:44The Quran,
06:45Furqan-e-Hameed,
06:46has given a lot of emphasis
06:47on interest.
06:48And the most important thing is
06:49that we are Muslims.
06:50And the humiliation,
06:51destruction,
06:52and destruction
06:53of the field of society,
06:54the life of a person,
06:55no matter how it passes,
06:56whether a person eats less or more,
06:59wears light clothes,
07:00does small business,
07:01but the biggest humiliation
07:02is that of the field of society.
07:04The Quran,
07:05Furqan-e-Hameed,
07:06has mentioned
07:07that scene.
07:08It says,
07:21It says,
07:22Those people who
07:23eat interest in the world,
07:24trade interest,
07:25in the field of society,
07:26in the field of society,
07:27they must be falling
07:28as if there is a
07:29maqboot-ul-hawas.
07:30Allah!
07:31Whom the devil touched
07:32and turned him to dust.
07:33Oh!
07:34It says,
07:35In the world,
07:36they used to say,
07:37the business is the same,
07:38it grows in this,
07:39it grows in that.
07:40And this is Iqbal.
07:41Yes.
07:42So, this is the reason
07:43that these people
07:44will be destroyed.
07:45It says,
07:46It is not like this,
07:47it is not the same.
07:48Goats and pigs
07:49look the same,
07:50but one pig is haram,
07:51the pig,
07:52and Allah,
07:53the Most Gracious,
07:54the Most Merciful,
07:55Allah has made interest
07:56halal for you.
07:57Allah has made interest
07:58halal for you.
07:59Allah has made
08:00interest halal for
08:01you.
08:02And Allah has made
08:03interest haram for you.
08:04And see the result of
08:05this as well
08:06It says,
08:12It says,
08:13It seems that
08:14the interest is increasing,
08:16it is becoming more.
08:17See this,
08:18they are getting
08:19a thousand rupees
08:20and a thousand rupees.
08:21If you see its consequences
08:22then the people
08:23will be destroyed.
08:24And we have seen this in this modern era as well.
08:27The West promotes this the most.
08:30And the mortgages and all the systems,
08:32it has happened many times
08:34that the entire system has been destroyed and ruined.
08:38So, this will be the result and outcome of this.
08:41And for a believer, the most important thing,
08:44which is said in the Holy Quran by Furqan-e-Hameed,
08:46He said,
08:52He said, leave whatever is of interest,
08:54whatever is left, whatever is your capital, take it.
08:57And the interest that you have given, leave it if you are a believer.
09:02You have faith in Allah, you have faith in the hereafter.
09:05Now, we talked about the belief in the hereafter.
09:07This is what takes a person towards good deeds.
09:11When he believes that one day I have to stand in the court of Allah,
09:15I have to answer.
09:16He said, if you are a believer, leave whatever is of interest.
09:20And if you do not do this,
09:26You can understand this in the Holy Quran by Furqan-e-Hameed,
09:29that this is the strictest kind of commandment.
09:31See, a person does not leave Salat,
09:33he leaves Salat,
09:34a person leaves Zakat.
09:36His promises have come.
09:37But the fact that Allah and His Messenger have declared war,
09:41this has come in reference to interest.
09:43And it has come in Hadith-e-Pak,
09:45that one who has enmity with the saints of Allah,
09:48then Allah and His Messenger declare war.
09:51So, here, from the perspective of deeds,
09:53you tell me, how can that community, that society, that society, that house,
09:58progress?
10:00One who has declared war with Allah and His Messenger,
10:02and he thinks that we will move forward, we will progress,
10:06but I can never progress.
10:08The Prophet of Allah said,
10:10that the society in which interest and adultery is common,
10:14it is destroyed and destroyed.
10:15And many Hadiths are found in different traditions,
10:19in different ways,
10:20that he said,
10:26as if he is doing such a wrong thing,
10:29that he is adulterating with his mother.
10:31And there are many Hadiths that have come 70 times.
10:33So, he said,
10:37And what does a person do?
10:39He said,
10:42Change it.
10:43Bring a new car.
10:44He has to buy a new house,
10:46he has to buy a new car,
10:47he has a factory,
10:48he has to do two factories.
10:50Mr. Raiz, believe me,
10:51there are such people,
10:52who have 5, 5, 10, 10 factories.
10:55He is investing 11,000 rupees in interest.
10:57What is he trying to do?
10:59He is only destroying his hereafter,
11:01and by declaring war with Allah and His Messenger,
11:04he is doing destruction and destruction for himself.
11:06So, by the grace of this program,
11:08in the blessed month of Ramadan,
11:10the Tasbihat that we read,
11:12the Kalimah that we read,
11:13they will be accepted,
11:14that first of all,
11:15our food will be accepted.
11:17And in eating and drinking,
11:18the most Haram,
11:20is the interest.
11:21Those who are involved in the exchange of interest,
11:23they should repent in the presence of Allah,
11:24in this holy month,
11:26that Ramadan should end.
11:28May Allah the Almighty,
11:29give us the opportunity,
11:30in this holy month,
11:31that the interest commitments that have been made,
11:33all our contracts,
11:35cancel them,
11:36and end them,
11:37and come to pure fasting.
11:39It will be difficult,
11:40it will be painful,
11:41but there will be a time,
11:42that Allah the Almighty,
11:43Allah the Almighty,
11:45Allah the Almighty,
11:46Allah the Almighty,
11:47will increase your charity,
11:48and will increase your interest,
11:49and will give you blessings.
11:51Obviously,
11:52you will see abundance in interest,
11:54but there will be no blessings.
11:56So, keep this in mind.
11:57And then,
11:58the promises that have been made on this,
12:00and the way it is condemned,
12:02a severe condemnation,
12:03have been mentioned in the Holy Quran,
12:05and the blessed Hadiths.
12:06They are clear,
12:07and we will talk about them further.
12:09Our scholars have a short break,
12:10we will meet after the break.
12:11Stay with us.
12:12Viewers,
12:13your time is good.
12:15Today,
12:16the topic of knowledge is,
12:17the condemnation of interest,
12:18and as it was said,
12:19and it was also mentioned,
12:21in the Quran and Hadith,
12:22about the condemnation.
12:23So,
12:24we will talk about that today.
12:25All the commandments and commandments in the Holy Quran,
12:28all the reasons are present.
12:30The scholars state that.
12:31Now,
12:32we will talk about the reasons for the condemnation of interest,
12:36Allama Hafiz Ubaid Sama will talk about that.
12:38Yes, Mufti.
12:40Allama.
12:41In the name of Allah, the most merciful, the most merciful.
12:43Look,
12:44the basic reason for the condemnation of interest,
12:48is that Allah the Almighty,
12:51has stated its condemnation.
12:55And when my Lord forbids something,
13:01it becomes Haram.
13:03And when the Islamic Shariah forbids something,
13:07it becomes Haram.
13:08The Holy Prophet, peace be upon him,
13:11forbade it.
13:12He not only forbade it,
13:14but the New World Order that came to Madinah,
13:17and the Islamic State was established,
13:21and all the Arab tribes came under Islam,
13:26under the system of Islam.
13:27Everyone had freedom in their courts,
13:30in their religion,
13:32in everything.
13:34But no one from the Holy Prophet, peace be upon him,
13:36was allowed to take interest.
13:39The Holy Prophet, peace be upon him,
13:41strictly forbade it in the whole of Arabia.
13:43Every tribe was free on their religion.
13:45But they were not free in economics,
13:47that they could not take interest.
13:50Meaning, this interest,
13:52makes the roots of the society so hollow,
13:55that the Holy Prophet, peace be upon him,
13:57did not allow it for any Jew,
13:59nor did he allow it for any Christian.
14:01So this is such a thing,
14:04that the Holy Prophet, peace be upon him,
14:06strictly forbade it,
14:08like the Ayat-e-Tayyibah were recited.
14:10So this is the fundamental reason,
14:12and the reason why it became Haram.
14:15If you look at the Holy Quran,
14:17like Allama Sahab recited the Ruku,
14:19in which there is a mention of the prohibition of interest.
14:21This Ruku is right after those Ayat,
14:23where in two Rukus,
14:25there is a mention of spending.
14:28Like those who spend,
14:30and those who spend.
14:32This is the nature of the Quran,
14:34that it brings two opposites together.
14:36If it mentions heaven,
14:39then it mentions hell.
14:41If it mentions disbelief,
14:43then it mentions faith.
14:45If it mentions torment,
14:47then it mentions reward.
14:50This spending in the way of Allah,
14:52is such a blessed thing,
14:54that in the way of Allah,
14:57there is no fear,
14:59nor is there any sorrow.
15:01And interest,
15:03is exactly the opposite of it.
15:05Allah says,
15:08they will be fearless,
15:10and he will be mad.
15:12So this is a beautiful combination
15:14in the Holy Quran,
15:16and the reason for this is self-evident.
15:19The spending,
15:21distributes blessings in the society.
15:23And the interest,
15:25brings destruction and destruction
15:27in the society.
15:29This is why it is forbidden.
15:32Now, what are the dimensions
15:34of that destruction and destruction?
15:36It has many dimensions.
15:38But we will talk about two.
15:40One is economic.
15:43Its economic problems.
15:45And the second is moral problems.
15:47Because of which it is forbidden.
15:49Now see,
15:51when a product
15:54comes into the society,
15:56it creates a balance
15:58between demand and supply.
16:00It controls the price.
16:02The thing that comes
16:05into the market through trade.
16:07In comparison to this,
16:09when you invest
16:11your money in interest,
16:13and you are doing something
16:16through interest,
16:18the product that comes
16:20into the market will not come.
16:22And because of this,
16:24the system of price control
16:26will increase in the society.
16:29Unemployment will increase in the society.
16:31The system of demand and supply will be ruined.
16:33Now, there is a merchant
16:35who takes interest.
16:37He takes interest and makes something.
16:40Like, from one factory to another.
16:42So when he makes his product,
16:44he will also include the interest
16:46that is being taken from it.
16:49So the system of demand and supply
16:51will be ruined in the society
16:53and the price will also increase.
16:55So the economic problems
16:58that exist in the market
17:00are obvious.
17:02And towards destruction
17:04and destruction,
17:06the balance of the society
17:09is ruined.
17:11Now, if we look at
17:13the moral problems,
17:15a person is forced
17:17to do something.
17:19In his helplessness,
17:22he may need a lot of things.
17:24He may need treatment.
17:26He may need a house.
17:28He may need something else.
17:30Now, when he contacts someone,
17:33the next person asks for interest.
17:35What does interest mean?
17:37Interest means,
17:39like charity and business
17:41picks up the fallen.
17:44Interest sucks the blood of the fallen.
17:46A person came to you
17:48with his demand.
17:51You said, son, come.
17:53Now see what I do.
17:55So this is the interest of
17:57sucking the blood of someone,
17:59taking advantage of someone's helplessness,
18:02making the fallen fall more,
18:04humiliating them,
18:06humiliating them,
18:08making them go around.
18:10These are the moral diseases of interest.
18:13These are the moral evils
18:15because of which Islam has forbidden it.
18:17So, don't take advantage
18:19of someone's helplessness.
18:21As the verse says,
18:23Allah increases charity.
18:26What does this mean?
18:28When a helpless person comes to you,
18:30you could have given him
18:32some charity.
18:34So Allah would have increased it.
18:37You took interest from him.
18:39You think Allah will increase it.
18:41God will destroy you.
18:44This is the difference.
18:46What is the basis
18:48of Islamic economics?
18:50It is the basis of
18:52mutual agreement, love,
18:55mercy, helping someone.
18:57And what is the basis of interest?
18:59Sucking the blood of someone.
19:01Cowardice.
19:03Taking advantage of someone's helplessness.
19:06Making someone else fall.
19:08Because of all these things.
19:10Society has seen its destruction.
19:12Even the British bank
19:14has been destroyed.
19:17You can google it.
19:19They have admitted
19:21that it was the fault of interest.
19:23So, we are at a loss.
19:25The whole world understands this.
19:28But anyway,
19:30these are the evils of Satan.
19:32He brings enmity and hatred
19:34through money.
19:36And he has put people behind him.
19:39If someone comes to the Quran,
19:41God willing, it will be a system of
19:44trade, spending and charity.
19:46Wow.
19:48Trade, spending and charity.
19:50How many blessings have been mentioned.
19:52How many evils of
19:55interest have been mentioned.
19:57Allama has explained it very well.
19:59It is all about love of wealth.
20:01You can take it from here.
20:03You can take it from here.
20:06You can make someone more helpless.
20:08You can humiliate him more.
20:10You are fulfilling his needs.
20:12But the burden you have put on him,
20:14you will have to answer to Allah.
20:16We have the words of
20:19Sana Khan with us.
21:10Jeevan Bazi Jeet
21:12Jeevan Bazi Jeet
21:14Jeevan Bazi Jeet
21:16Dhalta Suraj
21:19Roz Sunaye
21:21Tujhe Fana Ke Geet
21:23Tujhe Fana Ke Geet
21:25Tujhe Fana Ke Geet
21:27Neend Se Aankhein
21:30Khol Ae Bande
21:32Kaisi Ye Hai Preet
21:34Kaisi Ye Hai Preet
21:36Kaisi Ye Hai Preet
21:39Allah Tera Jaag Raha Hai
21:41Allah Tera Jaag Raha Hai
21:44Aur Sota Hai Tu
21:46Aur Sota Hai Tu
21:48Allah Hu Baaki
21:50Allah Hu Baaki
21:52Mil Kulli Fani
21:55Allah Hu Baaki
21:57Allah Hu Baaki
21:59Mil Kulli Fani
22:01Mil Kulli Fani
22:03La Mera Jeevan
22:06La Mera Jeevan
22:08Jalte Firte Saye
22:10Jalte Firte Saye
22:12Jalte Firte Saiy
22:14Jujian Bardi Jaye
22:16Jujian Bardi Jaye
22:19O Maria
22:20Jeevan Ghatata jai
22:22Jeevan ghatata jai
22:24Jeevan ghatata jai
22:26Ek Hans Ka
22:29Ek Hans Ka Panjhe Hai Tu
22:31Ek Hans Ka Panjhe Hai Tu
22:33Koun Tujhe Sashae
22:35Koun Tujhe Sashae
22:37Reh jaayega pinjra khaali Reh jaayega pinjra khaali
22:45Udh jaayegi rooh
22:49Allah hu baati min ghuli faani Allah hu baati min ghuli faani
23:05Na kuchh tera na kuchh mera o ghaafil insaan O ghaafil insaan
23:17Sab kuchh jaane jaan bhoochkar bane hai kyun anjaan Bane hai kyun anjaan
23:29Sitara aur Sikandar jaise Shehgan shali shaan Shehgan shali shaan
23:40Laakon man meethi mein so gaye bade bade sultan Bade bade sultan
23:52Teri kya aqaat hai bande kuchh bhi nahi hai tu
24:01Allah hu baati min ghuli faani Allah hu baati min ghuli faani
24:17Na kuchh tera na kuchh mera o ghaafil insaan O ghaafil insaan
24:28Sab kuchh jaane jaan bhoochkar bane hai kyun anjaan Bane hai kyun anjaan
24:40Sitara aur Sikandar jaise Shehgan shali shaan Shehgan shali shaan
24:52Laakon man meethi mein so gaye bade bade sultan Bade bade sultan
25:03Teri kya aqaat hai bande kuchh bhi nahi hai tu
25:11Allah hu baati min ghuli faani Allah hu baati min ghuli faani