What is Riba (Interest/Usury)❓️JAVED AHMAD GHAMIDI
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- Опубліковано 21 тра 2023
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A true student is one who does critical analysis but by due merits of criticism, unfortunately Javed Ahmad Ghamidi Sahib is foremost victim of this attitude. People do start criticizing the results before understanding reasoning behind that. Here are playlists on those objections ignorant people put against Javed Ahmad Ghamidi.
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◽ Isra-o-Mairaaj: • Response to 23 Questio...
◽ Return of Jesus: • Response to 23 Questio...
◽ Arrival of Mahdi: • Response to 23 Questio...
◽ Interest / Usury (Sood): • Response to 23 Questio...
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Jāvēd Ahmed Ghāmidī (Urdu: جاوید احمد غامدی) (born April 7, 1952) is a Pakistani Muslim theologian, Quran scholar, Islamic modernist, exegete and educationist. He is also the founding President of Al-Mawrid Institute of Islamic Sciences.
Ghamidi's conclusions and understanding of Islam, including the Sharia, has been presented concisely in his book Mizan with the intention of presenting the religion in its pure shape, cleansed from tasawwuf, qalam, fiqh, all philosophies and any other contaminants.
◽ He on Wikipedia: en.wikipedia.org/wiki/Javed_A...
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Tallaffuz (pronunciation) of scholar is bad. Surprising, Pakistan national language is Urdu but unable to speak rightly. If a British or American speak English improperly that will be shame. Unfortunately Muslims do not pay any attention.
May nay paisay bank ko qarz deeya hay aur bank mujay aus per kuch extra amount deeta hay kia ya bhi sood hay?
جزاک اللہ خیر
بہت عمدہ تعریف سود کی
ماشاءاللہ یہ باتیں ھمارے مولانا کو سمجھانے کی ضرورت ھے
بہت خوب بہت خوب
حَدَّثَنَا أَبُو نُعَيْمٍ ، حَدَّثَنَا زَكَرِيَّاءُ ، عَنْ عَامِرٍ ، قَالَ : سَمِعْتُ النُّعْمَانَ بْنَ بَشِيرٍ ، يَقُولُ : سَمِعْتُ رَسُولَ اللَّهِ صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ ، يَقُولُ : الْحَلَالُ بَيِّنٌ وَالْحَرَامُ بَيِّنٌ ، وَبَيْنَهُمَا مُشَبَّهَاتٌ لَا يَعْلَمُهَا كَثِيرٌ مِنَ النَّاسِ ، فَمَنِ اتَّقَى الْمُشَبَّهَاتِ اسْتَبْرَأَ لِدِينِهِ وَعِرْضِهِ ، وَمَنْ وَقَعَ فِي الشُّبُهَاتِ كَرَاعٍ يَرْعَى حَوْلَ الْحِمَى يُوشِكُ أَنْ يُوَاقِعَهُ ، أَلَا وَإِنَّ لِكُلِّ مَلِكٍ حِمًى ، أَلَا إِنَّ حِمَى اللَّهِ فِي أَرْضِهِ مَحَارِمُهُ ، أَلَا وَإِنَّ فِي الْجَسَدِ مُضْغَةً إِذَا صَلَحَتْ صَلَحَ الْجَسَدُ كُلُّهُ وَإِذَا فَسَدَتْ فَسَدَ الْجَسَدُ كُلُّهُ ، أَلَا وَهِيَ الْقَلْبُ
آنحضرت ﷺ سے سنا آپ ﷺ فرماتے تھے حلال کھلا ہوا ہے اور حرام بھی کھلا ہوا ہے اور ان دونوں کے درمیان بعض چیزیں شبہ کی ہیں جن کو بہت لوگ نہیں جانتے ( کہ حلال ہیں یا حرام ) پھر جو کوئی شبہ کی چیزوں سے بھی بچ گیا اس نے اپنے دین اور عزت کو بچا لیا اور جو کوئی ان شبہ کی چیزوں میں پڑ گیا اس کی مثال اس چرواہے کی ہے جو ( شاہی محفوظ ) چراگاہ کے آس پاس اپنے جانوروں کو چرائے ۔ وہ قریب ہے کہ کبھی اس چراگاہ کے اندر گھس جائے ( اور شاہی مجرم قرار پائے ) سن لو ہر بادشاہ کی ایک چراگاہ ہوتی ہے ۔ اللہ کی چراگاہ اس کی زمین پر حرام چیزیں ہیں ۔ ( پس ان سے بچو اور ) سن لو بدن میں ایک گوشت کا ٹکڑا ہے جب وہ درست ہو گا سارا بدن درست ہو گا اور جہاں بگڑا سارا بدن بگڑ گیا ۔ سن لو وہ ٹکڑا آدمی کا دل ہے
Bukhari #52
کاغذی کرنسی کے ساتھ لین دین میں سود کی وضاحت کرنی چاہیئے۔ کاغذی کرنسی ہر سال انفلیشن ریٹ کے مطابق ڈیویلیو ہو جاتی ہے۔ اگر کوئی دس سال بعد اتنی ہی رقم واپس لے جتنی دی تھی تو کاغذی کرنسی تو اپنی اچھی خاصی قدر کھو دے گی۔ اس صورت میں تو قرض دینے والے کا اچھا خاصا نقصان ہو جائے گا
صحیح بات ہے
Usd mian loan dee deen
Phir Sawab Mat Lain or Na Dain... Apko majbor Kon Ker Raha h ...
Gold ke rate pe bhi de skte hain- business
Government Inflation rate ko consider kr ke ke wapas ka likhit me le le to qarz hi mana jayega
Mujhy bhi yehi lgta hai
ماشااللہ۔ بعض لوگ جائز منافع لینے والے کو کہتے ہیں یہ سود ھے۔
سود کیا ہے وہ کسی بھی مسلم اسکالر کو نہیں پتہ غیر مسلم نے جو کچھ دماغ میں ڈال دیا اس کو رٹے جارہے ہیں
السلام علیکم سر جی.
بہت اچھی معلومات وضاحت جزاک اللہ خیرا
Jazak Allah
Allah ap ko jaza e khair dy aameen soomm aameen
Excellent conversation
جزاک اللہ خیرا کثیرا فی الدارین
Ya Allah protect us from all type of Devil evil.Bad evil/ Ameen
اسلامی بینکنگ میں پیسے رکھنا اور اس سے ملنے والا منافع کیا وہ منافع حلال ہے ؟
جزاک اللہ خیر
دعاء ہے کہ آپ کو جنت الفردوس میں اعلیٰ مقام ملے۔
abhi tu zinda hain sahat ki duwa dain
Quraan me wazeh tour par Allah Subhanow wa ta'ala ne Farma diya hai ki SOUD lena aur dena kattan HARAAM hai۔
سود کیا ہے کسی مسلںم اسکالر کو نہیں پتہ غیر مسلم نے جو کچھ دماغ میں ڈال دیا اس کو رٹے جارہے ہیں ۔
Jazzak ALLAH Khaira
اللہ آپ کو اس کا آجر دے آمین
AOA
Agr investment pr profit Ka demand karay ya fixed rate pr
What about bank entrust against agriculture Fertilizer. Please explain
What about bank lone interest and savings account and Fix Deposite.
Can loan be given & recovered in terms of gold value as rupee is depriciating every year
Well explained (jazak Allah Khair sir)
💯 percent right definition of the Riba or sood. MY education is from Bahrain Arabic school I was taught exactly the same definition ... I can explain it more elaborately As I have learned about it
If you are this much educated on this topic then yoy shoud spread it on social media by making your own channel because it is need of time and educated people should come forward on this issue.
I found Mohammad shaikh lecture on riba is more appropriate and clear for understanding
I want to learn it
Good explain.Thank you Sir.
i have a question........ Aj kal kon kis ko qarza deta hai ????? koi shaks bhi bila muawza kisi ki help nahi krta ...... ye islam kia kitaab ki had tak ya logon ko bataney ki had tak nahi reh gia????? ap kisi se help lein agar paisoon ki wo ap ko aisey bahaney sunay ga ap khamoosh ho jain gey...... phir paisey lenay k baad loog ap ki call tak nahi utha tey wo aik alag tention ........ ye practical nahi hai.... Aik baat jo sun ney ko bohat achi lagey lekin wo haqeeqat se bohat door ho builkul aisa hi dekhai deta hai.... Koi shaks bhi bila muawza kisi ki help nahi karta ..... Bulk kaha ye jata hai k kisi ko dushman bnana ho tou us ko paisey dey doo.....
Clear explanation.
ہر سیاہ کام۔ کالا کرتوت سود ہے۔
THE controversy about the permissibility or prohibition of bank interest started in the colonial times, in the 19-century onwards, when banking institutions came to the Islamic world.
The controversy first raged in Egypt. It is said that the Grand Mufti of Egypt, Muhammad Abduh, had permitted interest on postal savings though the fatwa issued by him is not available now. Today, many still ask if bank interest is prohibited in Islam. Most of the jurists maintain that it is not permissible, and Muslims should not accept interest on their bank deposits.
In the latter part of the 20-century many Muslim intellectuals came out with the concept of Islamic banking based on mudaraba and profit-sharing. A number of Islamic banks were started in Muslim and non-Muslim countries with a large Muslim population. Still the question continues to be asked if banking interest is permissible, and there is no unanimity of opinion on this question.
Yet, there are many Islamic scholars who feel that banking interest is not prohibited by Islam. Many modern commentators of the Quran also translate riba as usury and not as simple banking interest. From Pakistan Prof Fazlur Rehman, who had migrated to the US and taught at Chicago University for a number of years, wrote a very well-argued paper on the permissibility or otherwise of banking interest. He came to the conclusion that banking interest is not prohibited. Even those who do not agree with this view must read his article. It is very scholarly and based on original sources.
What is riba then? The Quran strongly condemns the institution of riba. It says, “Those who swallow usury (riba) cannot arise except as one whom the devil prostrates by (his) touch. That is because, they say, trading is only like usury. And Allah has allowed trading and forbidden usury. To whomsoever then the admonition has come from his Lord, and he desists, he shall have what has already passed. And his affair is in the hands of Allah. And whoever returns (to it) - those are the companions of Fire there they will abide.” (2275)
The Quran also goes on to say, “But if you do (it) not, (i.e. continue to take riba), then be apprised of war from Allah and His Messenger; and if you repent, then you shall have your capital. Wrong not and you shall not be wronged.” (2279)
Thus we see that if one continues to take riba, the Quran not only warns against it but even permits war against the usurer. Is bank interest so severe in consequences as to be warned of a war by God? Banking interest is taken and given by hundreds of thousands of Muslims all over the world, including in Islamic countries. Should Islamic states declare war against banks? No country ever does it. Let alone war, they are not given any punishment.
Then what is riba? Its root meaning in Arabic is 'growth' and here obviously it is unjust growth. One should not fatten oneself at the cost of others, which leads to gross injustice in society. Our justice system overlooks the stock exchange operations, which is based on pure speculation. One either becomes a millionaire overnight or is ruined completely if share prices crash. Islam permits only just growth which one earns in a permissible way through one's hard work, physically, intellectually, or both.
Speculation is strictly prohibited. For example, it is not permissible to buy a standing crop in the field as one does not know how much it would be maturing and how much will be destroyed. To buy cheap a standing crop amounts to speculation and exploitation of the peasant. Yet, many middlemen thrive on such speculations. Our justice system hardly ever condemns such practices. Many people become rich overnight by speculation using such practices. On the contrary, our jurists allow the share trade without any restrictions.
There were no banks during the time Islam appeared on the scene. People used to borrow money from private moneylenders and return double or more than the actual amount. Thus we see riba was the doubling of double (3129), which ruined the poor borrowers who often borrowed either for personal needs or small trade. This is certainly condemnable and all governments should take action against such practices.
Banking interest is far from ruinous and its rate is fixed by market operations to increase or decrease liquidity in case of inflation or deflation. A bank cannot be conceived as an exploiting institution. On the other hand, it is a regulatory institution facilitating financial operations between borrowers and lenders.
Some jurists argue that interest is not permissible as there is no element of risk in it and its rate is fixed. There is no such argument in the Quran itself. If this argument is valid then even investing in a building and giving premises on rent will also not be permissible as rent is fixed and there is no risk involved. The Quran denounces riba as an exploitative practice leading to unjust growth, not because there is no element of risk in it.
In view of the above arguments it can be argued that banking interest cannot be treated as riba and should be held permissible.
The writer is an Islamic scholar who heads the Centre for Study of Society and Secularism, Mumbai. Sir is it right. Mostly all Mufties and ulamas define riba to take money from any financial institution without any struggle is riba. Please satisfy me.
Appears to be quite logical
Services & debts / financial lendings are different from each other plz !!!
Day trading is pure speculation. Buying stocks in hopes of getting dividend or as means of investment is not?
@@sartajahmad7275 Can you explain what is your point here?
Dear sir, I don't think that there is any room for further discussion after such an elaborated comment on this topic. Furthermore it depends on your financial status and religious state. What I do is, I distribute interest from the bank to poor and needy relatives.I am very much afraid of the warning issued by ALLAH SWT.
Marvelous conversation.
It's a good explanation of the point he covered but it didn't cover the whole topic. He only assumed the scenario where someone has requested a favor as he/ she is in need, whereas in many cases the request is where someone is needing it for the matters related with income/ business, and there is a risk factor involved with it that the persona may/ may not be able to return it. Furthermore, you may not have the money which is more than your need but you may have kept it for your future need. He also didn't consider the ayah talking about RAAS AL MAAL, the actual lent amount. Some other scholars have different opinion about it as the RIBA is not a static situation, it is a built situation, where someone committed to return you the amount (it could be fixed interest/ variable interest based on income) but in case the person's business didn't work well, you can't force him/ her to continue paying interest, in that case what you can claim in the RAAS AL MAAL that you have given. The interest becomes RIBA/ SOOD when it involves exploitation, not a mutual agreed terms
What happens what a bank defaults in normal cases? People don't get paid and even investments go to drain. In 2008 economic meltdown people lost their life savings to banks in USA.
Just this year SBP announced that the money upto 500,000 lent to bank will be insured and SBP will pay this amount in case of bank defaults. This is because bank are insured.
What are your thoughts on this?
brother don't make it difficult, orders are very clear, as explain here in this video. On loan the amount you gave will be taken back exact the same amount,
Well explained 👍🏾👍🏾
Good information
How can one say " Mustaqbil ki zarurat se ziada" ? Kisi hadsay, kisi bemari, kisi agay honay walay nuqsaan ka k kesay pata ho sakta hai ?
Har cheez fana hone wali hai, farak itna hai ki koi cheez jaldi fana hoti hai koi der se.
Exact explanation I have studied from Bahrain Arabic school And I knew the meaning of sood And we read about it in Quran It is clearly mentioned that if u lend some money to any needy Then don't ask for extra money on that real amount that u gave someone .
SOOD یعنی RABA SAM SAM
ARABIC MEANING RABA SAM SAM SOOD
Jazak Allah khair.
Great talk! And the message is we are not going to ask for extra money, other than the original amount, given to anybody in need of it. And helping others is part of our ideal day to day activities. While banking, being recent financial innovation, has certain operational rules, pivot around determining costs of deposits and lending, between institution and individuals etc. Now if we put this practice into Quranic version of RIBA, this becomes questionable and debatable, and that’s seems to be unreasonable as per Ghamdi Sahib and I personally endorse his arguments. These are not parallel practices and there’s no reason to super impose RIBA on rate of interest charged by banks or taken by depositors, and call it prohibited as per Islam. So conclusion is that Ribba and rate of interest are two different types and concepts altogether. May Allah forgive us if we are wrong in our assessment. It’s just an argument
As Salaam u Alaikum Brother. Your argument is worth pondering.
Where there is clear guidance in Quran there's no need to make your own assessment.
قرض اور اجارہ دوالگ چیزیں ہیں
جناب غامدی صاحب نے اچھی وضاحت فرمائی ۔
قرض پر نفع نہیں جبکہ اجارہ میں
منافع اشیاء کے منافع مطلوب ھوتے ہیں جوکتب حدیث وفقہ میں الگ الگ ابواب ہیں
Purchasing power of a currency gets reduced due to various reasons,, therefore investment in Bank Profit scheme/National Saving Scheme is Jayez in mine opinion. Is it true?
Excellent fabulous
Back in those days there was no fiat currency today we have fiat currency to avoid all forms of riba u have to get rid of fiat currency first. because fiat currency detoriates over time its like a rotting fruit.
ماشاءاللہ جزاک اللہ خیرا آمین
اے ایمان والو! بڑھا چڑھا کر سود نہ کھاؤ ، اور اللہ تعالٰی سے ڈرو تاکہ تمہیں نجات ملے ۔(3.130)
Kya mtlb len gyn is line ka
Barha charha kr sood na khao
Y bhi quran mn hi hy
ua-cam.com/video/imWGvUIwmvY/v-deo.html
@@AbuHussainn
سود نہ کھاؤ یہ حکم ہے قرآن کا۔
سود نا کھلاو یہ حکم نہیں نہیں۔
یعنی کوئی کاروبار کے لیے یا کسی بھی مجبوری کے تحت جو قرض لیتا ہے، اس پر جو پیسہ دیتا ہے۔ اس کی بات ہے۔ وہ تو آگے ہی مجبور ہے۔ جو پیسے لے رہا ہے۔ اس لئے جو رقم دینے والا ہے اس کو حکم ہے کہ سود نہ لے
@@rajengland3539 متفق
سود کیا ہے کسی مسلںم اسکالر کو نہیں پتہ ۔ وہ رقم جو کسی منفعت کے لئے ادھار نہیں لی جا ئے اس منافع لینا سود مکان برسات کی وجہ مرمت کرانے کے لئے حج عمرہ کے لئے زادے راہ میں استعمال کرنے کے لئے بیماری کے علاج کے لئے جو قرض لیا جائے تو اس پر منافع لینا سود ہے۔ کوئی ایک مسلم اسکالر اسلام کے بنیادی ضابطے کے مطابق زندگی بسر نہیں کررہا ہے ۔ یعنی سچائی اور سادگی کو اختیار نہیں کرتاہے ۔جو محمد صلی اللہ وعلیہ وسلم سچائی اور سادگی کے علاؤہ نہیں تھی
Mr Ghamidi is a great scholar. I wish his talks were translated in English so many millions could benefit from his wisdom.
JVEED GHAMDI KO ISLAM KE BARE ME KUCH PATA NHI JAVED GHAMDI TUKA LAGA KAR BAAT KARTA HE 😂😂😂😂😂😂
Brother I hv given crux of his arguments, please
Thank you for very detailed explanation. Banning Sud when asking for loan for help is understandable. Use of money for business and profit (or loss) is allowed - that is understandable. But why is interest considered Sud when we keep money in bank (giving not taking money) and bank (in control of money and doing business with that money and sharing some of its profits with account holders) gives you interest on that money?
Maus kun bian.zarie zameen batae aur thaykay per dayna kia sude karobar hay?.
Always too good
agar bank mien paise rahktay hain , us per islamic banks prfit ada kartaya hain ...... wo b rent hi consider kartay hain ?????
If someone buy house from bank base on interest so will be riba or can I get loan from bank for house
Acchi. Malomat
Excellent explaination and definition of Quranic "Interest".
But still it is not enough in modern context.
In today's islamic and Muslim world the term "Debt for necessity" rarely exist.
The term "interest against debt" was used during early days of Islam and pre-islamic periods. During those ancient days interest on debt was exploitation.
In today's modern world debt is taken to start a business or to grow the business and business earns hefty profits.
So Javed Saab suppose to throw light on veracity of interest over debt taken to start business.
There are many kind of debts prevailing in the modern Muslim world especially bank interest.
Please clerify in detail.
What a amazing explanation
❤ you
يَا أَيُّهَا الَّذِينَ آمَنُوا لَا تَأْكُلُوا الرِّبَا أَضْعَافًا مُّضَاعَفَةً وَاتَّقُوا اللَّهَ لَعَلَّكُمْ تُفْلِحُونَ ﴿آل عمران: ١٣٠﴾
کیا أَضْعَافًا سے کم الرِّبَا کھایا جاسکتا ہے ؟؟
Ager keraya (rent) waqt per na dia jaey aour usper penalty lagee jaey tou kia penalty jo izafi keraya hoga kia wo sood kehlaega?
جی بالکل، اسی لیے جو پینلٹی بجلی اور گیس کے بلوں پر دیر سے ادا کرنے پر لگائ جاتی ہے اصل میں یہ ناجائز ہے
Very well explained.
Can someone explain?
In our country, inflation is around 30% p.a., lending rate is 25% .
Actually lender looses the value of money even if he receives interest.
What about time value of money ?
Does lender has a right to receive his money in full value/ purchasing power ?
listen dr israr lecture about sood.
According to my view a bank is not a natural person firstly.secondly paper money devalues in the country like ours so speedily that if a natural person denies to receives profit from bank which is also too less than the rate of inflation then the person will be facing injustice to his ownself.there are no rights of bank infringed here but the person who deposits money in a bank but denies to receive nominal profit he will be surely in a double loss and according to me it is not and must not the aim of Allah and Rasool
what's about Installment things? Is it sood ?
Realy convincing. Thanks.
ہمارے تمام مولانا اور علماء انتہائی ثقیل الفاظ استعمال کرتے ہیں جو عام انسان کی سمجھ میں نہیں آتے یہی وجہ ہے کہ لوگ مسائل کو غلط سمجھتے ہیں عام روزمرہ کے الفاظ میں بیان کریں تو لوگوں کے لئے آسانی ہوگی مگر اس سے ان علماء حضرات کی دھاک کیسے بیٹھے گی
Very good explanation about interest with reference to individual lending. I agree with you Sir. But think about business loans having period more than one year. In such situation a person uses this loan for spreading its business and earns profit. So, here the lender is rightful to receive extra amount as agreed earlier, please.
Jo paisa bank ya islamic bank mai rakhi jati hai
Islamic bank oos ko Mudarba basis pay laytay hai Profit and loss sharing
Jis mai
Loss 100% paiso mai customer ka hoo ga
Or Services ka loss bank ka
Jis ko islmaic bank
Profit and loss sharing 50% fifty percentage kehtay hai
Kya islamic bank or conventional bank k saving account ka profit qarz mai nahi daytay toh woh halal howa
Kindly advise
اللہ تعالٰی مجھے معاف کرے میں سود کی تعریف ایسے سمجھتا ہوں کسی بھی غربت کے مارے شخص کو ان شرائط پر قرض دینا ک میں اس قرض کے بدلے میں سے منافع لوں گا سود ہے یعنی ذرا بھر بھی غریب غربت اور ضرورت مند ہونے کی مجبوری (مجبوری کی حالت کو اور مجبور کرنا ناخوشی اور ناراضگی ) یا حالت حال میں ہے تو سود ہے۔ اور اس کے علاوہ خوشمندی اور خوش رضائی ہے تو جو جائز کاروبار ہے اور یہ اصول حالت لیں دیں کے سب مالیاتی اداروں پر بھی لاگو ہو
Kindly reply is requested on the issue raised by Ahmed Shakeb Zubairi sb..JazakAllah
Jazak Allah
If we purchase grocery with use of credit card and may I not clear it's bill with due date and I pay minimum required amount of bank the rest of amount paid in next month, is this ribaa or not?
Agar within date total pay kar dein gay card ka bill to theak warna due date ho gaye ya minimum pay kia to bank interest lay ga or wo seedha seedha Sood hai
Even to keep credit card which is acquired by signing a contract involving “interest” is also “Haram” as in one hadeeth on Riba emphasises interest taking, interest paying and even getting into contract involving potential interest implication are all Haram
Riba is usury . Soodh is interest. Riba is not regulated and amounts to extorted. Bank interest is regulated by statutory bodies where as usury is run by individuals and cannot be controlled.
Not true since usury is not limited to individuals, so payday loans, credit cards charge usurious interest imo. Outstanding balances
@@motasaab.
Ll
😊
After all this explanation by sir غامدی سب. I have a simple question about the money received as a profit from various bank schemes. Is this halal
So bank interest is not sood ? bank is using my money and returning more money so it is not kharaz ? Bank is not taken kharaz from me ?
What about mortgage? Esp for those living in the West
Kia bank me fixed deposit bhi sood hay ?
what about inflation. an amount browed in a time when its face value was considerable high and when returned its face value was too less due to inflation would you not compensate the borrower? is this compensation is Riba/Sood. pleas explain
ua-cam.com/video/kBtPf_LCGtQ/v-deo.html
Whether banking is Sood when we do not demand any increase bank gives itself some amount over and above our principal amount by
Javed Ahmed Sahab, can you please explain how did you purchase property in Dallas? Didn’t you get it through mortgage?
😂😂😂
My question is As per this definition how is shares borrowed from broker as soodh? When share delivered is essentially the same for all purpose
Very good analysis really appreciated 👍❤️.
With due regars and respect for Janab Ghamdi Sahib, the ayah 2:188 you referred is not pointing towards Riba, instead it is pointing to the bribery with the words "and you offer with it to the authorities so that you you eat up portion from the wealth/property of people sinfully and (indeed) you know it"
One more thing to address remains that is how will the bank interest be treated. There are two main transactions when we take loans from bank one is for business purpose and we earn money with that loan other is for personal needs that we take bank loan. Also when we deposit money into bank and we get interest against this deposit.
3rd clarification is for the inflation which causes devaluation of the money. So what some one gives as loan to someone and he returns after 2 years. But when he returns the value of the money has been reduced by say 10%. How will this amount be compensated.
Allah will give barakah to the provider of loan who is taking back same amount after two years
Clear explanation
Purchasing power of a currency gets reduced due to various reasons, it was may be to compensate the loss the interest concept was introduced. But in practice, it has deviated from the basic point.
Isi lia gold par kaam hota tha phle
When the currency has devaluation effect, than I believe interest to the point of devaluation/ inflation is not Ribah. Any amount beyond this benchmark is definitely Ribah (Sood)
interest causes inflation
@@AbidNasim money printing causes inflation
Lekin agar kerzdar karz wapas Nahi kerta h phir . Kraz ka mamla yu hona chahiye k gol rate Jo h karz dete waqt karz wapas kerne k waqt gold rate h us hisab se wapas Kare. Bilfarz agar gold Kare mum hogya to raqm kum ada Kare aur agar gold menga hogya to raqm zyada ada kerni hogi.
Practically, person having loans always pays extra to its creditor , practical finance is not following any such definition .
Well understood
No
Good explanation thank you
Then why you didn’t go for debate with scholar Hassan alhayary? He openly challenged to all umry scholar ?
There are 3 things , Pl expain ;
1_ A person pay Donation/ Zakat to other person.
He cannot ask for its return.
2 _ A person pays loan to other person Rs 10000 for 1 month.
He can ask other person to return his loan Rs 10000 after 1 month.
3 _ A person pays other person Rs 100000 on account of his share for 1 year on account of investment to other person.,s business.
He can ask for profit share ,with his principle amount Rs 100000 after 1 year.
Please explain this 3rd one . S.No 1 and 2 are very clear, but you explain these clear things instead of profit on investment in business, please explain it.
5_ if a person pay other person Rs 200000 on account of investment for one Year to other person,s business, the other person not pay/return profit and principle amount after oner year.
What will be its implication on other person who doesn't return the principle amount and profit after one year ?
حضرت گورنمنٹ کی مختلف اسکیمیں ہیں جو سینٹر سیٹیزن کے لئے ہیں جو کی نیشنل سیونگ سنٹرز کے ذریعے چل رہی ہیں
ان کی کیا پوزیشن ہے
جو رقم بھی فکسڈ رٹرن کی صورت میں منافع کے نام سے ملتی ہے وہ سود ہے
Quraan me riba k bary me kahan kahan zkr aya he uski roshni me bataen plz.
Shekh muhammad ki riba k barey me explanation ki kya explanation he
App bataen plz
بنک سے قرض لینے پر جو سود ہے وہ جإیز ہے یا نہیں؟
اسکی وضاحت کریں۔۔۔بتایا نہیں میرے سوال کا جواب غامدی صاحب نے۔جو کچھ وضاحت کرتے رہے وہ تو ہر مسلمان جانتا ہے۔
ls lease to buy option is halal? no becouse they already add interest in it unless they show you the actual value plus depreciation amount after 3, 4, 5 years when ever you like to pay back then calculate your payment but people think it is ok to pay some extra which is interest or think it is rent involve because rent has own term and condition only you get option to buy at the end but to consider earlier is interest which is haram
Thanks for the excellent explanation. Is it possible to differentiate between loan for consumption (basic need/possibly qard-e-hassna) and loan for business/investment to generate income? Will the latter situation allow for charging from the profit or creating a partnership? JazakAllah
👍
@@AsadAli-nc5ls 0lĺĺ
SubhanAllah
Bank me pese jma krne per intrest deta he bank kya jyazhe ya sood he
Pensioner's benefit account ka munafa sood he YA nahin?
What about amount deposited in bank ,banks do business ,is it Riba
Good analysis
How u treat de valuation of money with intrest ..
Fixed deposits is not loan can we take profit?
sir jo pesay bank mein jama krwaien fix na krwaien pls(profit and loss sharing) wo profit sood zhumar ho ga ya jaiz munafa
Kome bachat bank ka nafal vala mamla kasa ha
Please explain about the banks. People get the money(mortgage) from the banks to buy the house to live there, and banks charge the interest on that. Is this a “ sold” . Please explain
Bank se qarz naqd liya jata hay. Phir bank se qarz liya maal makaan ya car kay seller ko ada kiya jata hay.
Lihaza dau mukhtalif mua'mmat hotay hein.
Bank makan ya car ka kiraya nahin leta, balki suud leta hay.
Ghamdi sahab ko ghaleban house mortgage aur capital lease kay transaction kay process ka ilm nahin hay, lihaza unko es soorat mein apni raye nahin dena chahiye.
اختلاف۔ آپ اپنی ضرورت سے زیادہ مال اپنے پاس رکھتے ہیں تبھی قرض یا ربا کی نوبت آتی ہے۔ اور اپنی ضرورت صاحب مال خود طے نہیں کرتا بلکہ معاشرہ طے کرتا ہے۔ ایسا نہیں کہ قحط پڑا ہے اور صاحب مال ہرن کے گوشت کو اپنی ضرورت قرار دے دے۔
غامدی صاحب کرایہ بھی تبھی لیا جاتا ھے جب اپنی ضرورت سے زیادہ جائداد ملکیت میں ہو۔
ضرورت سے زیادہ مال رکھنا یعنی انفاق نہ کرنا اور سود یا قرض کی نوبت آنا دونوں صورتیں جڑی ھوئ ہیں۔ آپ کرایہ کی وضاحت کرتے ہوئے پہلی صورت یعنی مال زائد از ضرورت کو بھول جاتے ہیں۔
قرآن بار بار مال کی تقسیم کی بات کرتا ہے اگر تقسیم ھوتی چلی جائے تو سوچئے کیا ھوگا۔
مال چند لوگوں کی تجوری میں بند ہی نہیں ھوگا
Ghamdi saheb nay mojood and economical and banking system par kutch nahin kaha jo interest based hai. Iskay alawa har mulk World Bank aur IMF say loan leta hai aur interest pay karya hai, to yeh kiya hai. Agar mojooda economical and banking system is not correct then what is alternative????
کیا اسلامی بنکاری کے نظام میں منافع جائز ہے یا اس کو سود کہا جائے گا ۔ رہنمائی فرمائیں