Riba: What is it?
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- Опубліковано 30 чер 2022
- Did you know that the prohibition on Riba is not uniquely Islamic? In fact, Judaism, Christianity, the Romans and Greeks, and Marxists were all opposed to Riba.
Then how did it all change? Find out here.
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Thank you for such an informative lecture. I am a fan of you for your style of presentation. I have not read Mufti Taqi Usmani's book, but pardon me, you are only partially correct on his conclusion, which you present as representative of all the Muslims and Islmic schools.
If we go by your narration of the passage ,what Taqi Usmani opines as permissible, depends on two factors ; 1.Declaration of the lender and 2. Sharing of loss too. Where as you ignored the second one while drawing your conclusions.
Please ponder over ; if loss is also shared, does it remain "sood" even as per your definition?
I totally agree with you that Muslims scholars are not correct while claiming exclusivity of Islam over sood ban. There is a nuance ; Islam is the continuation of the religion of Ingeel and Taurat and all ancient divine scriptures so to that extent we should give them allowance.
Regards
Ghulam Arif Khan
Community Talking Platform- Mumbai -India.
Thank you sir you replied him and defended Mufti Muhammad Taqi Usmani in a better way.
In this exPlanation, sorry to say but sir Taimur only read mufti sahib’s text correctly but totally Misinterpreted it . Investing in other’s business is not wrong if you shares both profit and loss .
There are differences between business partnership and lending money. One can not expect to be a business partner of his debtor.
@@nisaryasin3111 thk ha ap ye bataen Al Ahsan kya ha? Larzay Hasana kya ha ? Ap os banday k business main sharqat kri KR rahay haen Jo zroratmand ha or ap larzay Hasana ke Jaga ab es ke bidad paida KR de hai.its an ethical question , or mufti taqi Usman hujatay Islam nhi.
The best way to understand riba is to see how IMF entangles a country. In order to payoff the loan, more loan is needed and it goes on and on till they start acquiring valuable assets owned by the state.
مولانا تقی عثمانی کی نیت پر شک نہیں لیکن مولانا حلال سود کر گئے۔ جبکہ مولانا تیمور بھائی آپ نے بہت واضح اور روشن طریقہ سے حق بیان کیا۔ حقیقت میں مولانا آپ ہیں۔ اللہ آپ کی عزت میں ، رزق میں، علم میں مزید اضافہ فرمائے
Ameen
@@monaandfareed4036p~be cc
,
😀
Taqi usmani ne to naya pandora box khol dya h
Kya ao isy mazeed smjha skty hn jo taqi usman ne kaha h
وہ اس لیے بھائی جان کہ مفتی تقی عثمانی کا بینک الفلاح اپنا ہے جو افغانستان میں سوویت یونین اور امریکہ کی جنگ میں تحفہ میں ملا ۔ مولانا کو ضیاء دور میں کھلم کھلا پروموٹ کیاگیا تاکہ ایک ایسا مولوی لایا جائے جو مفتی اعظم بھی ہو اور سود کو بھی اسلام میں داخل کر دے
مولانا نے ضیاء حکومت کے دوران سود کو نفع و نقصان کا نام دے کر جائز کیا۔۔
@@naqashnaveed Before saying bad about anyone first read the concepts of Musharika and Mudarba. If those conditions are fullfilled then it’s halal.
Sir, you forgot to mention the last part in the passage of taqi usmani, i.e. the sharing of loss. Os me to sood nhi rehta q k sood me loss ka risk hi nhi hota.
Taqi usmani jo keh rhe the wo aesa hai jede koi business ker rha ho aur me business k liye ose pese de don, aur phir profit ho to profit share ho aur agar loss ho jaye business me to loss bhi share hoga. How this can be said to be interest?
He either did not understand it or he did it on purpose.
The loss is occurred when someone can’t pay the loan back
@@kamranahmad588 and than bank take over the business
@@afaqjabbar8800 There is no business left to take over if you default on a loan. Regardless , I don't see the issue with a bank expecting their money back as long as the business owner understands what they are signing up for before they take loan. You don't have to take the loan and nobody is being taken advantage of.
@@kamranahmad588 thanks for explaination.
Bohat acha lecture tha. Mgr yeh batayen ke loss profits sharing mechanism interest kese hogaya???? I guess misinterpretation ki hai ap nay yahan Mufti Taqi ke opinion ki.
24:30 taimur saab great intonation. I am very inspired by your enthusiasm while reading Karl's quotes, you also retain the that entertaining touch. The way you have expressed the phrase "khoon choosta hay" pretty much sums up the spirit of the vlog.
Very informative lecture too. .
"These banks are clever thought of jews. These banks take away light of virtue from the heart of human. Until and unless this system is not destroyed, the talk about wisdom,civilization and religion are meaning less." - Allama iqbal
Great. I respect your position and the way you present complex issues in wasy to understand way. I am an Islamist, not a socialist at all, rather anti socialism. I am a bit disappointed over the public comments defending Mufti Taqi Usmani's position of Islamising the Capital Finance. Mufti Sb. has made it possible for the West and whole world to use the money of a segment of market (hardline Muslims) in Capitalist banking system, which segment was adamant not to invest in banking cuz its based on interest. These Islamic banks use arabic terms to Islamise conventional banking/insurance etc. in the name of Takaful etc. Allah hidayat de.
I dont know about the other sources and interpretations however being a student of Islamic Studies the Islamic part is somehow misunderstood because there are two ways to give money to others (1) Lending money without returnt. in this case captal will be guaranteed and lender cant charge any profit from the borrower but (2) in second way that will be investment and partnership so, in this case capital will not be guarnteed and only finacier will take profit if it is incureed in business. Also he has to bear the loss. Respected Taimoor SB considered both options as lending borwing that is not right.
Regards
Abdul Rauf
سود انسان کی تباہی کا باعث بنتی ہے
میں جب بچہ تھا تب سود سے محض اسلئے نفرت کرتا تھا کہ یہ اسلام میں حرام ہے لیکن جب مطالعہ کیا تب سمجھ آیا کہ سود کو خدا نے کیوں حرام کیا ہے، سود کی بجائے اگر ریاست ٹیکس کا نظام ختم کریں اور صرف امیروں سے زكوۃ لے تو امیر اور غریب میں فرق ختم ہوجائےگا
بیشک اسلام ایک بہترین اور مکمل نظام زندگی کا ایک مکمل دین ہے
It’s good to see u gathering references of ban on Ribah in other cultures etc. yet the basic question stands unanswered, what’s the alternative?
Waiting for next lecture on this topic. Thank you Sir
You should also give the example how there economy run without interest efficiently
@BILLIONAIRE book theory applied in practical give different result
V.simple qarze hasana...sadaqa etc. Share ur money wd da society n spend da money not...store da money...money storage is un natural islam gives a full model of economics and finance.
He's not interested in that pal.....
By sharing in management for profitable business. By sharing in business as partners rather than charging profit without doing any effort is prohibited. So share and a
Participate in production, hence society economy will grow. After practically sharing you earn rather than snatch or Robbing the debtors.
@@wasifahmed123 does this happen before can u give some country or company practical examples who did this or doing so
While discussing Taqi Usmani sahib's opinion, Mr. Rahman did not put proper emphasis on the sharing of loss. In an Islamic transaction, the borrower not only shares the profit, but also has to bear the loss, if there is any. This is in contrast to the money lent by banks: regardless of gain or loss, the bank will demand a higher amount. Mr/Dr. Rahman would serve us better if he strongly emphasizes this point.
Isn't it like this that profit will be shared as per agreement but if loss happens then only the lender will bear the total loss. In Islamic shariah??
Nope not that
@@Qasim_001
No as per law the profit and loss must be shared as per decided percentage
Agree
Sir When I listen to you I actually find many answers with logical reasons I have watched economist channels which are very few in the whole world perhaps your channel is only in Urdu,
thanks for this info
This will never find across the world.
باقی آپ کا مکمل لیکچر بہت مفید اور قابل سماعت ہے باقی غلط فہمی کا ہوجانا انسان ہونے کی دلیل ہے۔ اللہ آپ کے علم و عمل میں رحمت و برکت کے سمندر رواں فرما دے آمین
باقی آپ کے آنے والے لیکچر کا میں شدت کا انتظار کیے ہوں آپ کا خاموش سامع ہوں آج کچھ خاموشی بوجہ ضرورت توڑی ہے
Thank you for your time and research.....also bundle of thanks for educating us 🌹
Taimur bhi you are great
Dr sahib good analysis. But with due apology, it’s not the complete integrated picture. To understand the Ribah in todays world you would have to study following three things: 1) Fiat money, launched again on July 17 1971, 2) Fractional Reserve Banking model of today, 3) concept of property and property rights.
JazakAllah boht qeemti or mukammal maloomat mili aap se boht shukria
Thank you Taimur sb
You have rekindled the proletariat struggle in me
God bless you
We shall wait for next lecture. 💓
Very detailed & easy to understand like always !
Will wait for the next lecture Sir.
we love you man!!!!! this is an eye opener, though I'm not sure if Taqi Usmani's extract means what you concluded. It seems he is saying the lender bears both, profit and loss, it will be interesting to see 1) if he suggests that the principal remains intact even if the debtor suffers heavy losses and cannot repay the principal , let alone pay the agreed interest, and 2) whether the expected return is predicted to the principal amount or share in the profit.
Always your efforts are excellent; good topics are selected by my dear bro
دیکھیں پیارے بھائی ایک شریعت کی اصطلاح ہے "مضاربت" یعنی کسی کو رقم دیکر اسے کام کروانا پیسہ آپ کا محنت اس کی تو نفع و نقصان دو حصوں تقسیم کردیا جاتا ہے وہ قرضہ نہیں ہوتا اگر اسے قرضہ مان لیا جائے تو نقصان کی صورت میں قرضہ دینے والے پر تو کسی قسم کی کوئی پکڑ نہیں ہونی چاہیے کیونکہ وہ پوری رقم لینے کا مجاز تھا اسی لیے مضاربت میں نفع کو خاص کر دینا سود ہے اگر نفع و نقصان عام اور باہم برابر ہوں (یاد رہے پیسہ دینے والے کا نقصان پیسے کا ضائع ہونا ہے اور کاروبار کرنے والا کا نقصان اس کی محنت کا ضیاع ہے یہ نہیں کہ لاکھ کا نقصان ہوا تو محنت والے کی محنت بھی ضائع ہو اور پچاس ہزار کا مقروض بھی کہلائے) تو کوئی مسئلہ نہیں اور اس طرح وہ قرضہ بھی نہیں کہلائے گا۔ "شرکت و مضاربت کے شرعی اصول" اور اس طرح دیگر کتب اور مقالے بھی اس موضوع پر ہیں اور فقیر اسلامی بنکاری کا قائل نہیں سبھی لوٹیرے ہیں یہ تسبیح پکڑ کر لوٹتے ہیں دوسرے بریف کیس پکڑ کر یہ حیلے کرتے ہیں وہ کھل کر کہتے ہیں باقی یہ بات میں نے اس لیے کہی کہ کہیں محترم قرضے اور مضاربت کا اکٹھا کر رہے ہیں۔
اللہ ہمیں سچ سمجھنے اور سمجھانے کی توفیق بخشے آمین
مولانا تقی عثمانی نے ان لوگوں تقویت دی جو شریعت کو جدید تقاضوں کے مطابق ترمیم چاھتے ہیں۔ تیمور صاحب آپ کی وضاحت صرف مسلمانوں تک محدود نہیں بلکہ تمام مذاھب کا نچوڑ یہ ھے کہ سود ناجائز ھے۔ الله آپکواجر دے۔ آپکا یہ پیغام میں اپنے حلقہ احباب میں پھیلانا فرض سمجھتا ھوں۔
What Taqi usmani highlighted is not what you have mentioned, he here mean to say that you can get surplus for exchange of money to a person who is running a business or simply you can invest on business of someone else and you have right on that surplus .
Can't wait for next lecture
بہت ہی بہترین تجزیہ ♥️🌹
Well explained with references of religions and intellectuals, Great work
Kindly make a separate Vlog reading Islamic banking and to invest in their projects/shares
Thanks
Great sir ❤❤❤❤
Zabardast Taimur sb, I thought you were only economic expert, but after watching this video you have gained unlimited respect in my heart. Islamic banking is just like drinking alcohol with the coke label on the bottle and assuming that we are drinking coke.
Not "Islamic banking" but 'Taqi Usmani banking'
@@hilalmir5173 all Islamic banking, including Maulana Taqi Usmani's fatwa banking, are essentially the same as conventional bank interest. calling bank interest as "rent" and compound interest as "charity." Additionally, that most of their rent prices are based on Kibor, an instrument in Pakistan that determines the rate of bank interest. We should stay away from any kind of loan.
@@salmanfaruqui6071 U are right except for using the term "Islamic" with banking. When we know it not Islamic ,how can we still describe it as Islamic.
Waiting for ur next lecture plz update soon thanks
Aisa lag Raha hai jese khutba sun Raha Hun... Mashallah behtreen.. mimber ki jagha app jese log hone Chahiye... Ta k parhay likhe log waqt SE pehly mashido meh ayein
Nice information but I still feel your knowledge about Mufti Taqi Usmani's version is limited. Need more work in that area pls.
Thanku, this is good comparative analysis which i can add in my answer.
Greatly informative sir.
May Allah bless you with the best. ❤️
❤hmaisha behtreen Information.
Good information but should also make a video on alternative system and if it is practice anywhere how they operate
Sir, how could you forget the Critical Condition of 'sharing the loss' mentioned by Taqi Sb, in order to qualify for not being Riba?
He did not forget. Rather intentionally did that.
loved your lecture
I learned a new word in Urdu, “biddat” known as Heresy.
Editing was a little choppy but beggars can’t be choosers. We are getting free online lectures.
I want to know how did they tackle inflation back then?
Thank you
Sir, I believe their is good difference b/w a inflation incorporated percentage then Interest (as you mentioned in your lecture/ Quran).
It's better that we should speak out on real issues then bookish issues.
Looking forward for your comments.
Regards,
Sajjad.
Waiting for the next video impatiently.
Hum taraqi pasand :) Ustad Ji enni tarif
Taimur Sir how Pakistan can run without interest in current scenario? Do you have any solutions or recommendations? If yes , please make a video on that briefly..
Thanks
brilliant lecture sir
So we can say , the current banking system is also base of interest economic or not ?
Thank you sir for your efforts in making us understand these concepts.
A book by John Perkins "Confessions of an Economic Hit Man" also explains modern day Riba strategy of powerful countries.
Stay blessed
You have misunderstood Molana Taqi Usmani point of view. If a person is giving loan to someone with the intention that the businessman will give him profit or loss based on business activity then this is not interest, in this case he is sleeping-partner. On the other hand, if one person give loan to someone for personal matter not for business then getting extra money will be regarded as Riba. That in another thing if borrower use this money for personal use or use it to do any business, but he is not liable to give any extra money to Principal as it was not agreed earlier.
19:00
Isn't Profit and "Loss" sharing is different from interest? Kindly elaborate Dr sahab.
both are same
@@nothing276 how ?
Very well explained.
I loved the way your expression changed when you said "Karl Marx ne condemn kiya".Your expression remained same while taking names of Plato, Aristotle etc. But when you took Marx's name your eyes opened wider & there was a hidden smile. Actually this happens with every Communist,more specifically with every proud Communist when they utter words like Communism,Socialism,Leftism or take names of Marx,Lenin,Che Guevara(my real-life hero),Mao,Fidel,Ho Chi Minh.
sir please educate me and put some light with respect to Hinduism perspective. thanking you in advance.
regards
Yani agar koi shakhs sari Zindagi mehnat mazdoori kar k Kuch lakh rupe saving kare or phr old age me jab k us me na energy ho na karobari tajarba to apni jama poonji Kisi ese businessman ko gift kar de Jo us k peson se khud to profit leta rahe or loss us k account me dalta rahe very smart.
Very nice video. I have 3 questions:
1. Do you think rent-seeking on land especially agriculture land is also usury? (given that much of the land in the world is stolen/conquered by the landlord)
2. Why would someone give you a loan since there is always a risk that borrower will not pay back? What is the alternative model.
3. What about inflation adjustment? Since currency value always decreases with time in the current capitalistic system
I think principal amount will return back to its owner when currency devalued UpTo 50% less.
currency value decreasing is one of the side effect of interest based economy, because it can only survive on fiat currency model which is our current system , Non interest based economy is based on currency which has intrinsic value eg gold or silver, since fiat currency does not carry any intrinsic value, thus in return increases infatlion
very good questions I hope taimur Bhai answer them.... if he has not already in another video.... about 3rd , I would say may be for inflation purpose you can give loan in shape of gold or another thing that you think is more stable and inflation would not affect that... I think giving loan in gold and asking for an equal amount of gold is halal
Thanks: such type of knowledge based speeches be delivered in Juma prayers. Alas our leading imams be so knowledgeable. If not to begin with DHA/ Bahria/ EME / Ghulburg etc admin should give this topics to imams for delivery in mosques on Friday prayers. This will reduce religious tension as well.
Outstanding lecture
Bless you. Worth sharing
Great work ♥️🌠keep it up
Plz share second part of this series of riba
First of all this is really good. I really wish if Dr. Sahib can expand on what is his position when it comes to Riba? It seems that it something abhorred by all historically. But now it is a prevalent system and it’s seems we have no substitute system that is interest free and works at large scale. I have seen systems like credit unions etc that provides interest free micro financing. But it does not have capacity to finance projects, houses etc.
Very Informative !!! Kindly Do more videos on on Islamic Banking . It will be great to see U sitting with Mufti Taqi Usmani or Doctor Asad zaman discussing on the topic of "Islamic Banking" or "Interest free banking"
Huge fan of yours and met you couple of years ago in Karachi.
I wanna draw your attention and request for reconsideration over "your interpretation" of the text from Mufti Taqi Usmani's book.
1) You you are doing favour (ahsan) with your brother and lending him some money, then it is haram to get "Sood".
2) If you are giving some money to your brother for your business purposes, which clearly means that you are being a partner in both profit and loss. That's called INVESTMENT (business), NOT SOOD.
Dr Sb plz live ayein …🙏🙏🙏🙏
Excellent. Very informative
At minute 20 onwards, I disagree with your commingling interest with profit/loss sharing. Interest means you don't care about the business profit or loss of the person or entity you lend to, you still demand your money back with the fixed rate of interest that was agreed to (of course if the person or entity has run out of all money, then different rules apply, like debtor's prison in past societies and bankruptcy courts these days). But profit/loss sharing means by lending the money, you are basically a part equity investor in the business venture and can earn a lot if the business succeeds, or can suffer a loss if the business doesn't make a profit, and can even lose all your money if the business totally fails. How can you define both as the same? Investing in a business cannot be completely banned at least in any form of capitalistic system or a system with individual ownership or property/resources, otherwise everyone will be restricted to doing just individual business of their own without the possibility or partners/corporation and such larger partnerships.
Waiting for the next part.
Best on your part sir 👍
Very broad analysis 👍💚
Sir aisy topic's py bat kary jis say viewership bary plz plz
Good work sir
Why are you confusing clear distinction between interest and profit through partnership?
If I lend money to a business and fix an interest regardless the business is in loss or profit is prohibited.
on the other hand, If I lend a business on terms that if business is making a profit, I'll have a share in it, and if the business goes in loss, I'll have a share in loss as well.
how difficult is it to understand?
Now where it says that the only distinction between halal and haram is just the Niyyat or intention.
ماشاء اللّٰہ
Nice information..
Apnay Bhai ko qarza na dena se yeh b Murad ho sakty hay k uski imdad to ger k ferd k tor per kerny hay na k usko aik alag maan ka ya ferd k tor per samjna aur riasat ya apni madad ap k teht chalnay per majboor ker dena k woh binyady zindgy se mahroom rahay
AOA Respected Dr. Sb.Salamat rehain, aameen. Taqi Uthmani sb. ka ye declaration kahan se mil sakta ha? It is interestingly strange, so I want to study it completely to better understand it, especially the Quranic Verses, Ahadith, or Athaar from which he deduced it. Thank you
سر آپ اپنے خوف کو ختم کریں اور کھل کر اپنے خیالات کا اظہار کریں۔ میں آپکو بہت غور سے سنتا ہوں اور بہت کچھ سیکھا ہے آپ سے۔ سلامت رہیں
Very very helpful lasson every single word helpful thanks
Very good analysis sir. Love from #NewDelhi #India
آپ نے تقی عثمانی صاحب کی جہاں بات کی آپ نے بات پوری بیان نہیں کی کیوں ؟
اس میں پوری بات یہ ہے کہ اگر کوئی شخص کسی دوسرے شخص کو کمرشل غرض سے دے رہا ہے تو لینے والا شخص اس رقم کو کاروبار میں استعمال کرے گا اور اس کاروبار میں سے نقصان اور نفع کا تعین کیا جاتا ہے ایک معاہدہ کے تحت ۔
1) Over Profiting on trade
2) Inflation (devaluation) of money
3) Artificial Shortage and Profit taking
kay baray ma Islam kiya kehta hay?
Assalam alaikum Sir... Me apko kafi dino sun raha hun or bht acha laga apko sun k and pehle se Karl Marx se influenced hun, lekin abhi jo ap ne taqi usmani sahab ki baat ko misquote kia yeh khayanat hai, "Unho ne yeh kaha hai ager munafay ki niyat se de raha hai to nafa or nuqsan dono me shareek hai" sirf munafa nhi lega nuqsan ki soorat nuqsan b bare krega... and its like partnership business where someone is active partner and other is sleeping partner... by the way i am not belong to deobandi school of thought k aap samjhein me is liye unki advocate kr raha hun....
Thank you and I appreciate your efforts. My question is any society eliminate the interest how can control the money supply or monetary policy without interest.
Sir ZULM mat kejye
Bat sirf paisa deny sy qabl declartion ki nahi
Madad ki niat sy deny wala profit/loss sy mutasir nahi hoga
Jab k
Karobar ki niat wala profit/loss ka brabar zimidar hoga
Agar profit hy tu profit lega agar loss hy tu wo nuqsaan ma hissydar hoga
Very informative as usual
Excellent. Very educative. Hopefully I purchase the book by Taqi عثمانی.
That are called “Shirkat” and “Muzarabat”, which is quite clear in understanding but you named it “Ain-e-shariat” and creat ambiguity in its meaning. Mufti Taqi Usmani never used the word ain e shariat. You extremely misrepresented the concepts, about which Mufti sahib writes and that are shirkat and muzarabat.
Modern economy cannot work without interest ….. even Saudi Arabia charges and gives interest! Long time ago when religion came there was no banking system!
مولانا تقی عثمانی کی جملہ جو آپ نے بیان کیا کہ قرض دینے والے کی مرضی ہے کہ وہ کسی بھی شرط پر قرض دیتا ہے دے سکتا ہے ۔۔۔ یہ جملہ اگر حقیقت میں تقی عثمانی کی کتاب میں موجود ہے تو ہم آپ کو سلام پیش کرتے ہیں کہ آپ نے ہمیں اس چال کے بارے میں آگاہ کیا ۔۔۔❤❤❤❤❤
No,but according to mufti taqi usmani if the man who take the money faces loss,then the man who gave mony will accept that loss.
comared mai nepal se hu, kya aapse sampark ho sakta hai
زبردست تہمر صاحب
Spot on and well researched
You should have mentioned Sheikh Imran Hossein's work about Islamic Economics, he is more attuned to financial opinions as his expertise lay in that domain.
is it necessary to follow economics dictated by religion ?
@@pankaja7974 For us Muslims, Yes!
We follow the Qur'an and the Hadith as they are the core pillars of our faith. They clearly lay out principles of economic and political systems. There are clear injunctions demonstrating how to attune our daily lives in accordance with those principles.
Our economic and political system is not far from flaws, yes, there are absolutely numerous shortcomings, but the inchaote 'Islamic system' we have in our country, be it in a damaged form, we would like for it to remain as it is. with the hope that we fix those flawed and fraudelent systems.
@@bilal59446 ok then. I wish good luck running your economy with zakat and jiziya
Maulana Maududi's book 'Sood' will be very useful in this regard
Very good knowledge! May Allah swt bless you
According to ray dalio if you didn't add interest to your economy so it will take alots of time to build it while if you add interest to it so it will grow up rapidly.
for further explanation of this reference you can watch Ray Dalio's " how the economy machine works" video on his yt channel.
please put some light on it as well maybe you get something which i missed
thankyou sir 😌
good informative. I learnt things from this vlog
Taqi usmani sb ka point ap nay adhora chor dya ap nay un ki profit wali bat to ki laykin loss wali ignore ki asal to yahi loss wala point hay
At 18:09 Dr Taimur clearly mis represented the paras by not explaining profit and loss sharing is halal in Islam.