What is Riba (Interest/Usury)❓️JAVED AHMAD GHAMIDI
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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.
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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?
Bank ma amnt rakh kar nafa laina jaiz ha ya nahi ..
Bank aap say raqam aik agreement per laiti ha us per aik munafa ya intrest daiti or us ma munafa oper neechay hota rahta ha .ager ya amnt kisi dosray sakes ko di jaay tu is ma nuqsan honay ka andaisha hota ha ..
ماشاءاللہ یہ باتیں ھمارے مولانا کو سمجھانے کی ضرورت ھے
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
غامدی صاحب نے باتوں کا بتنگڑ بنادیا چھوٹا سا سوال تھا سود جائز ہے یا نہیں. میرا جواب اسلام میں ذیادتی منا ہے لہٰذا سود منا ہے
جزاک اللہ خیر
بہت عمدہ تعریف سود کی
Please Pray For MUSLIMS UNITY
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 ؟
Jazak Allah
Allah ap ko jaza e khair dy aameen soomm aameen
السلام علیکم سر جی.
بہت اچھی معلومات وضاحت جزاک اللہ خیرا
غامدی صاحب کا تعلق لاہوری گروپ سے وابستہ ھے لہٰذا ان سے ھوشیار رھیں ۔
جزاک اللہ خیر
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
بہت خوب بہت خوب
Sut ke bare mein Kuran se bahut achcha samjhaya hai Sheikh Mohammed ne
Well explained (jazak Allah Khair sir)
Excellent conversation
Jazzak ALLAH Khaira
دعاء ہے کہ آپ کو جنت الفردوس میں اعلیٰ مقام ملے۔
abhi tu zinda hain sahat ki duwa dain
Good explain.Thank you Sir.
Excellent bayan sir and u have defined well interest.
Excellent explanation of the term interest
Clear explanation.
Jazak Allah khair.
💯 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
کرائے
اور
قرض
میں یہ بنیادی فرق ہے
کرایہ دار اس کا مالک نہیں ہوتا
اور
قرض میں دی گئی رقم یا چیز کا مقروض مالک ہوتا ہے جہاں چاہے لگائے
اللہ آپ کو اس کا آجر دے آمین
Well explained 👍🏾👍🏾
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 ۔
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
Can loan be given & recovered in terms of gold value as rupee is depriciating every year
Marvelous conversation.
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
ماشاءاللہ جزاک اللہ خیرا آمین
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?
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.
Jazak Allah
AOA
Agr investment pr profit Ka demand karay ya fixed rate pr
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
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.....
What about bank lone interest and savings account and Fix Deposite.
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
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
😊
Realy convincing. Thanks.
Very well explained.
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,
اللہ تعالیٰ غامدی صاحب کی تشریحات اور شر سے سب مسلمانوں کو محفوظ فرمائیں آمین
اور اللّٰہ تعالیٰ آپکو عقل اور شعور دے
Har cheez fana hone wali hai, farak itna hai ki koi cheez jaldi fana hoti hai koi der se.
ہر سیاہ کام۔ کالا کرتوت سود ہے۔
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.
Always too good
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?
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 ?
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
Well understood
No
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 ؟؟
SubhanAllah
Bank me pese jma krne per intrest deta he bank kya jyazhe ya sood he
If someone buy house from bank base on interest so will be riba or can I get loan from bank for house
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.
Good information
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.
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
When you Lend Currency, it is consumed in both cases, Whether its Qarz or Rented then in which case it is SUD and in Which case it is Profit??????
Quarz is also returnable ,And rented (House, Car, Currency etc) is also returnable???
Plese Explain
Bank intrest is not sud
@@chaudhary.723 to fir kya hai can u explain
جب ہم قرض لیتے ہیں تو ہم پیسوں کے مالک بن جاتے ہیں۔ ان پیسوں کو اپنی بیلنس شیٹ میں ایسٹ دکھاتے ہیں ۔
کرایہ پر حاصل چیز کبھی ہماری ملکیت میں نہیں آتی۔ ہم بس اسکا کرایہ اپنی بکس میں لکھتے ہیں
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
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@@AsadAli-nc5ls 0lĺĺ
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
Nice
Clear explanation
PREVIOUSLY, I SHARED FULL DETAILS OF SOOD FROM BAHARE SHAREEAT.
Excellent fabulous
what's about Installment things? Is it sood ?
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
What about bank entrust against agriculture Fertilizer. Please explain
Maus kun bian.zarie zameen batae aur thaykay per dayna kia sude karobar hay?.
Poori video men ap bus ye batate rahe hen k riba sood hota he aur sood ko riba bolte hen…ap translation na batain detail batain…bank interest aur national savings ka batain ..
یہی تو یہ بتا رہے ہیں نا کہ قرض پہ آپ اضافی پیسے لیتے ہیں تو وہ سود ہے۔
جب آپ بزنس کاروبار کیلئے بینک کو پیسے دیتے ہیں تو وہ آپ اپنی شرائط پہ دیتے ہیں۔ جیسے آپ مکان کرائے پہ دیتے ہیں۔
Isko pata hota to ye batata na aik number ka harami hai ghamdi
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 ?
Good analysis
agar bank mien paise rahktay hain , us per islamic banks prfit ada kartaya hain ...... wo b rent hi consider kartay hain ?????
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
Saving accounts bhi sood mn ata ha ??
Great👍
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
czcams.com/video/kBtPf_LCGtQ/video.html
Acchi. Malomat
Means our investment deposit in bank. Bank not requested for investment. It's not loan. Means we getting profit against our investment. It's called sood??
Javed Ahmed Sahab, can you please explain how did you purchase property in Dallas? Didn’t you get it through mortgage?
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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
what if 100 Rupees are given as loan when dollar is 100PKR/ USD and dollar price rises to 200 PKR/USD. The one who gives loan is at loss please guide on this point
This is the basic point to be considered. There is a difference between dealing in gold and exchange of paper currency. The so called islamic banking is a big drama rather fraud with the depositers. Bank uses their money and earns profit and the poor simpleton gets down valued money in return. Profit loss sharing is another fraudulent phenomenon. When I deposut, bank gives me around 8% and when I ask for loan I need to pay 21%. Is this Islam. If calculations are framed and done in terms of gold then no need to have interest. Muslim world has failed to establish an interest free banking system till now. There is a need to differentiate between loaning for business and loaning to fulfill a need. Rigidty is hallmark of clergy. Putting ban on every new thing and product. Like declaring loud speaker haram by muslims and ban on potato when it was introduced in Christian world.
عام مولوی کے حساب سے تو 100 روپے ہی واپس کرنے ہوں گے ۔ ڈالر , سونا یا پٹرول کی قیمت سے مقابلہ کیسے ہو گا۔
Give loan in USD or atleast record transaction as 100PKR=1USD loan to be return has to be 1 USD or converted into PKR at that time
That’s where modern banking comes in. They calculate all these factors, govt decides how much businesses are profiting. The interest rate is an average business profit thats guaranteed for a businessmen otherwise they would go bankrupt.
If you want to give loans on loss then invest in Islamic banking.
Also most people are unaware about banking thinking banks are giving loan, no man, they don’t do charity or loans, they just do investments. Ever wonder why banks don’ give loans to poor people? Why they always give to rich who’s creating assets or liabilities? They give they loan as an investment. So if you are running a business, they would do investment, just like house owner when giving you house asks you for rent whether you are in profit or a loss. This is the same agreement bank signs just like landlord. Most people think they are asking for soud, they are just asking for their fair share.
Imagine you giving me loan of 1 crore, and I build a house and start living in it and return your original amount after 5 years without giving you 5 years rent? Would you give me loan or rather buy a house with 1 crore and give it to me on rent?
زر، زر مبادلہ اور جنسِ تجارتی کے بارے میں بتائیں
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
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السلام علیکم جناب اعلی
Never mentioned about auto loans, house loans, interest is haram?
What if bank gives me a car not car loan and asks to pay rent every month
Is this not same paying interest?
کسی کی مجبوری سے ناجائز فایدہ اٹھانا بھی سود کے ضمرے میں اۓ گا
میں نے 27 مئی کو ایک تفصیلی سوال لکھا تھا اور ایک دور حاضر کی ایک ایسی روز مرہ صورتحال پر رہنمائی کی درخواست کی تھی جو تقریبا ہر بندے کو پیش ہے
مگر میرا سوال ہی اب یہاں کومنٹس پیج پر موجود نہیں ہے !!
Fixed deposits is not loan can we take profit?
7:36 main video starts
Does working for a fintech company which takes interest on the features is halal or haram? I am a software developer
سلام علیکم۔ کسی مکان کو کرایہ پر لینا تو آپ کی وضاحت کے مطابق ٹھیک ہوگیا پرانتو اسی مکان کا مالک اگر کرایے کے ساتھ پیشگی رقم بھی لیتے ہیں تو کیا وہ سود نہیں ہوگا کیا؟
What about mortgage? Esp for those living in the West
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 ?
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
Kindly reply is requested on the issue raised by Ahmed Shakeb Zubairi sb..JazakAllah