We should state here that Riba is not prohibited
only because usury transactions require the needy to pay the
incurred interest. Riba is `Haram (prohibited) because of
the injustice it exerts on the needy who have to pay the
accumulating interest, and also because it is a prohibited
type of transactions. Certainly, forcing the needy to pay
the Riba on their debts is a great injustice, especially since
[Islamically] the lender is required to be patient with the
needy borrower, not illegally increase the principal of his
debt.
In addition, Riba is still disallowed even when it
brings a mutual benefit for both the lender and the indebted
person. Islam does not take this mutual benefit from Riba
into consideration. Rather, Riba is `Haram any way you
look at it. The Prophet, salla allahu `alaihi wa-sallam,
clearly stated this fact in many of his Hadiths, such as the
above stated Hadiths. If Islam considered mutual
agreement and benefit from Riba by the lender and the
borrower a factor that allows Riba transaction, Allah would
have informed us of this fact in His Glorious Book, or by
the words of His Messenger, peace be upon him. Allah
said,
what translated means, {And We have sent down to you the
Book (the Quran) as an exposition of everything, a
guidance, a mercy, and glad tidings for those who have
submitted themselves (to Allah as Muslims)}[16:89].
Imam Muslim narrated in his, Sahih, that Abdullah
ibn `Amr ibn Al-`Aas stated, that the Prophet salla allahu
`alaihi wa-sallam said,
what translated means, “Every Prophet whom Allah sent
before me was required to guide his people to what is the
best of what he knows for them, and to warn them against
the worst of what he knows for them.” It is a fact that our
Prophet salla allahu `alaihi wa-sallam is the best of Allah's
prophets and messengers and that he perfectly delivered
Allah's Message.
Consequently, if Islam had considered the mutual
benefit from Riba a factor for allowing it, then the Prophet
( G I
G @ B UV S G T) would have informed the Muslim Ummah
(Nation) of this fact. On the contrary, the fact is that the
Prophet ( G I
G @ B UV S T) clearly stated in his Hadiths that all
types of Riba are `Haram (impermissible), and just as Allah
stated in many Ayat, the Sunnah explains the Quran.
Allah said,
{And We have also sent down unto you (O Muhammad) the
reminder and the advice (the Quran), that you may explain
clearly to men what is sent down to them, and that they may
give thought}[16:44],
{And We have not sent down the Book (the Quran) to you
(O Muhammad), except that you may explain clearly unto
them those things in which they differ, and a guidance and
a mercy for a folk who believes}[16:64]. There are many
other Ayat in the Quran on this topic.
only because usury transactions require the needy to pay the
incurred interest. Riba is `Haram (prohibited) because of
the injustice it exerts on the needy who have to pay the
accumulating interest, and also because it is a prohibited
type of transactions. Certainly, forcing the needy to pay
the Riba on their debts is a great injustice, especially since
[Islamically] the lender is required to be patient with the
needy borrower, not illegally increase the principal of his
debt.
In addition, Riba is still disallowed even when it
brings a mutual benefit for both the lender and the indebted
person. Islam does not take this mutual benefit from Riba
into consideration. Rather, Riba is `Haram any way you
look at it. The Prophet, salla allahu `alaihi wa-sallam,
clearly stated this fact in many of his Hadiths, such as the
above stated Hadiths. If Islam considered mutual
agreement and benefit from Riba by the lender and the
borrower a factor that allows Riba transaction, Allah would
have informed us of this fact in His Glorious Book, or by
the words of His Messenger, peace be upon him. Allah
said,
what translated means, {And We have sent down to you the
Book (the Quran) as an exposition of everything, a
guidance, a mercy, and glad tidings for those who have
submitted themselves (to Allah as Muslims)}[16:89].
Imam Muslim narrated in his, Sahih, that Abdullah
ibn `Amr ibn Al-`Aas stated, that the Prophet salla allahu
`alaihi wa-sallam said,
what translated means, “Every Prophet whom Allah sent
before me was required to guide his people to what is the
best of what he knows for them, and to warn them against
the worst of what he knows for them.” It is a fact that our
Prophet salla allahu `alaihi wa-sallam is the best of Allah's
prophets and messengers and that he perfectly delivered
Allah's Message.
Consequently, if Islam had considered the mutual
benefit from Riba a factor for allowing it, then the Prophet
( G I
G @ B UV S G T) would have informed the Muslim Ummah
(Nation) of this fact. On the contrary, the fact is that the
Prophet ( G I
G @ B UV S T) clearly stated in his Hadiths that all
types of Riba are `Haram (impermissible), and just as Allah
stated in many Ayat, the Sunnah explains the Quran.
Allah said,
{And We have also sent down unto you (O Muhammad) the
reminder and the advice (the Quran), that you may explain
clearly to men what is sent down to them, and that they may
give thought}[16:44],
{And We have not sent down the Book (the Quran) to you
(O Muhammad), except that you may explain clearly unto
them those things in which they differ, and a guidance and
a mercy for a folk who believes}[16:64]. There are many
other Ayat in the Quran on this topic.
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