Posts

Dua for Hope: What We Should Say When We Feel Despair

* Courtesy of Muwasala – Click here for the original post

Habib Umar bin Hafiz (may Allah preserve him and benefit us by him) tells the following story to illustrate the necessity of placing one’s hopes in Allah alone. (The story is narrated by Imam Ibn Asakir in Tarikh Dimashq)

When Imam Hasan Bin Ali agreed to give the caliphate to Mu`awiyah, one of the conditions of the agreement was that Mu`awiyah would send Imam Hasan 100,000 Dinars every year for him to spend on his guests and upon the needy. Mu`awiyah duly sent this amount every year and this continued for some years, until one year the money did not come. As a result, Imam Hasan incurred many debts due to the large amounts that he would spend in charity. He thought about reminding Mu`awiyah of the agreement and he asked for paper and pen so that he could write a letter to him. Then he decided against writing the letter.

That night he saw his grandfather, the Messenger of Allah, in a dream and he explained his situation to him.

The Messenger of Allah asked him: “My son, did you ask for a pen and paper to write to a created being like you?”

“I thought about doing this. Then I stopped.”

“Do not do this.”

“What should I do then?”

“Say:

الَّلهُمَّ اقْذِفْ في قَلْبِي رَجَاءَكَ واقْطَعْ رَجَائِي عَمَّنْ سِواكَ حَتَّى لا أَرْجُو أَحَداً غَيْرَكَ

الَّلهُمَّ وما ضَعُفَتْ عَنْهُ قُوَّتي وقَصُرَ عَنْهُ عَمَلِي ولَمْ ْتَنْتَهِ إِلَيْهِ رَغْبَتِي ولَمْ تَبْلُغْهُ مَسْأَلَتي ولَمْ يَجْرِ عَلى لِساني مِمَّا آتَيْتَ أَحَداً مِنْ الأَوَّلِينَ والآخِرينَ مِنْ اليَقِينِ فَخُصَّنِي بِهِ يا رَبَّ العَالمَين

“O Allah, cast into my heart hope in You and cut off any hope I have in other than You so that I have hope in no-one but You!

O Allah, however weak I am, however much my actions are deficient, however far short my desire (for good) falls, and in spite of the fact that I have not asked you, and that my tongue has not pronounced such a request, I ask You for the certainty that You have given any one of Your slaves from the first to the last of them, so bless me with it, O Lord of the Worlds.”

Sayyiduna al-Hasan repeated this du`a, pleading with Allah, for a week. Mu`awiyah then sent him 500,000 Dinars and he was then able to repay his debts and spend freely on those in need.

He then saw the Messenger of Allah in a dream once again and he told him what had happened.

The Messenger of Allah said to him: “My son, this is what happens to those who put their hopes in the Creator and not in the creation.

Habib Umar said: “Look at how the Messenger of Allah completed the nurturing of his grandson from beyond the grave. Although he had left this life, he was still concerned with al-Hasan’s elevation to the highest stations of truthfulness (al-siddiqiyya al-kubra) and absolute certainty (haqq al-yaqin).

Past Debts, Preparation of Will and Funeral

Ustadh Farid Dingle is asked about paying past debts, how to prepare one’s will including instructions for one’s funeral and what must be done.

 

Question:

Assalam alaykum wa rahmat Allah wa barakatuh.

1. In the past I wronged my employer, I recently explained to him what I did and offered to pay him back what I owed him, he forgave me and refused to take the money. I have other debts I must pay off like zakat of previous years etc., can I use the money he refused to pay of those debts?

2. I have many years of prayers and fasts to repay, in case I pass away before completing this I want to write in my will the total for every missed prayer and fast and instruct my family to pay this amount to charity – is the correct and valid?

3. What is the sunna for the passing of someone? Where I live when someone passes the person is prayed over then buried then the funeral will last for 3 days, the relatives must wear black and the 40th day after the passing of the deceased is a highlighted day in my culture the family will either do a mawlid on this day or something like this. If none of this is Islamic I would prefer to not have any of it done and I will instruct this in my will.

4. Also, I was told that if you go to someone’s funeral and hit yourself out of grief the deceased will be punished, is this true? If it is I will also instruct in my will for nobody to do this when I pass away.

Jazak Allah khayran.

 

Answer:

Wa alaykum assalam wa rahmat Allah wa barakatuh.

1. Yes.

2. Yes. Please also see What Can We Do about Missed Prayers of a Deceased?

3. You should just write in your will that you want everything to be done by the Sunna. Please see What You Need to Know About the Fiqh of Burial, by Imam Tahir Anwar.

Regarding the forty day event, please see Is It Permissible to Complete the Qur’an Forty Days After Someone’s Death?

As for the relatives wearing black, it is permissible, but only for three days, but better not to be done. (Ibn Abidin)

4. That is true.

The Prophet, Allah bless him and grant him peace, said, “Whoever slaps their face, tears their clothes, or cries out [with over exaggerated claim] of the pre-Islamic era is not of us.” (Bukhari and Muslim)

I pray this helps.

Farid

 

Checked and approved by Shaykh Faraz Rabbani.


 

Is It Permissible to Give a Guarantee to a Bank?

Answered by Ustadh Tabraze Azam

Question: Assalam alaykum

What is ruling on taking a loan by giving gold as security to bank but also paying some amount to the lender/bank till the debt is cleared?

Answer: Assalamu alaikum wa rahmatullah,

It is permissible to give a guarantee or collateral (rahn) to the creditor if he asks for it, regardless of whether the creditor in question is a bank or otherwise. This is not a form of usury (riba), but merely a form of financial security to cover any potential losses borne by the creditor in the case that the loan is not paid back.

Taking such a loan would be permissible as long as (1) it is interest-free, and (2) there is nothing otherwise legally impermissible about what you are doing.

[Maydani, al-Lubab fi Sharh al-Kitab (266)]

Please also see: Gifts and Cash Incentives offered by the Bank to Account Holders and: Should I Try to Have the Interest Waived When I Pay Back a Bank Loan?

wassalam,

[Ustadh] Tabraze Azam

Checked and Approved by Shaykh Faraz Rabbani

Ustadh Tabraze Azam holds a BSc in Computer Science from the University of Leicester, where he also served as the President of the Islamic Society. He memorised the entire Qur’an in his hometown of Ipswich at the tender age of sixteen, and has since studied the Islamic Sciences in traditional settings in the UK, Jordan and Turkey. He is currently pursuing advanced studies in Jordan, where he is presently based with his family.

My Fiancé Is Willing to Put Me Into Debt for a Ring. What Do I Do?

Answered by Ustadha Raidah Shah Idil

Question: Assalam alaykum,

My fiancé has asked for an engagement ring (5670 pounds), which I cannot afford unless I take out a loan. Her family is very wealthy, so she is used to a certain level of living. What do I do?

Answer: Assalam alaykum wa rahmat Allah wa barakatuh,

I pray this finds you well. May Allah reward you for reaching out to us.

Marriage

I encourage you and your fiancé to enroll in and complete Marriage in Islam: Practical Guidance for Successful Marriages.

Having sincere concern for your spouse is a foundation of Islamic marriage. Being willing to put your spouse into debt runs counter to this.

Waste

Dear questioner, your fiancé is asking you for an engagement ring far beyond your means. £5670 is well above the average monthly salary in England, let alone elsewhere, and her request is wasteful. What about the cost of your actual wedding? Setting up your marital home? Your honeymoon?

Unless you have access to permissible Islamic financing, taking out a loan will put you in state of riba. This is a major sin, and your marriage has not even started yet. I caution you against starting your marriage with debt.

Prayer

I encourage you to perform the Prayer of Guidance up to seven times about what to do. Please observe how events unfold to help you decide what to do. For example, if your fiancé is willing to compromise and settle for a more affordable engagement ring, then this is a positive sign. If she is not, then that is a clear negative sign.

Pre-marital counselling

Please see a pre-marital counselor with your fiancé. Speak openly about your different expectations when it comes to finances.

I understand that you are both in love, and this makes it very difficult for you to remain objective. Just be aware that difficulties with finances and marital intimacy can break up marriages.

Reflections

Narrated Abu Hurayra: The Prophet, upon him be blessings and peace, said, “A woman is married for four things, i.e., her wealth, her family status, her beauty, and her religion. So you should marry the religious woman (otherwise) you will be losers.” (Bukhari)

You have described your fiancé as being used to a certain standard of living. The reality is that most young newlyweds go through an initial struggle before finding their feet.

If she wishes to continue the lifestyle which she is used to, then she is better off marrying a much older and wealthier man. If she chooses to marry you, then I pray that she accepts the fact that you are still early in your career. This requires a lot of maturity on her part.

Marriage is an ongoing conversation. I pray that Allah grants you both the wisdom and patience to make this a conversation which brings you both closer to Allah, and not further away.

Please see:

Some Rulings Related to the Dowry
Love, Marriage and Relationships in Islam: All Your Questions Answered

Wassalam,

[Ustadha] Raidah Shah Idil

Checked and Approved by Shaykh Faraz Rabbani

Ustadha Raidah Shah Idil has spent almost two years in Amman, Jordan, where she learned Shafi’i’ fiqh, Arabic, Seerah, Aqeedah, Tasawwuf, Tafsir and Tajweed. She continues to study with her Teachers in Malaysia and online through SeekersHub Global. She graduated with a Psychology and English degree from University of New South Wales, was a volunteer hospital chaplain for 5 years and has completed a Diploma of Counselling from the Australian Institute of Professional Counsellors. She lives in Kuala Lumpur, Malaysia, with her husband, daughter, and mother-in-law.

Photo: International Gem and Jewelry Show

Prophetic Cure to Remove Worry and Relieve Debt, by Shaykh Faraz Rabbani

Shaykh Faraz Rabbani shares a prophetic narration (hadith) from the Prophet Muhammad ﷺ, where he teaches one of the companions, Abu Umama (may Allah be pleased with him), an expression to remove his worry and relieve his debt.

The expressions is:

اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ

“Oh Allah I seek refuge in You from all worry and all hardship, I seek refuge in You from inability and laziness, I seek refuge in You from miserliness and cowardice, I seek refuge in You from being overcome by debt and from being overpowered by people.”

[cwa id=’cta’]

 

Can I Use the Belongings Left by a Person Who Didn’t Pay Rent and Ran Away?

Answered by Shaykh Umer Mian

Question: As Salam Alaykum,

What is the ruling of using the kitchen stuff left by a person who ran away and didn’t pay the rent for his lodgings within my property?

Answer: Wa alaikum as-salam wa rahmatullahi wa barakatuhu

First, if possible, you should attempt to contact your debtor and get them to repay the debt voluntarily. If the person is a Muslim, you could remind them that debts which are not paid in this life will be repaid in the Hereafter with the debtor’s good deeds. Also, whether the person is Muslim or not, you could contact someone that has influence over them such as a parent, older sibling, friend, community leader, etc. Such people may be able to convince the person to repay their debt.

If the above fails, you should attempt to recover the debt owed to you through legal means, i.e. through your country’s justice system.

If all of the above fails and you fear there is no other means to recover your debt, it would be permissible for you to keep the personal property of your debtor and consider it as payment for your debt. Ibn Abideen explicitly states in Radd al-Muhtar, the primary source of fatwa in the Hanafi madhab, that this is the position for fatwa in our times.

وَأَطْلَقَ الشَّافِعِيُّ أَخْذَ خِلَافِ الْجِنْسِ لِلْمُجَانَسَةِ فِي الْمَالِيَّةِ . قَالَ فِي الْمُجْتَبَى وَهُوَ أَوْسَعُ فَيُعْمَلُ بِهِ عِنْدَ الضَّرُورَةِ (الدر المختار، كتاب السرقة)

وَالْفَتْوَى الْيَوْمَ عَلَى جَوَازِ الْأَخْذِ عِنْدَ الْقُدْرَةِ مِنْ أَيِّ مَالٍ كَانَ لَا سِيَّمَا فِي دِيَارِنَا لِمُدَاوَمَتِهِمْ لِلْعُقُوقِ (رد المحتار، كتاب السرقة، مَطْلَبٌ يُعْذَرُ بِالْعَمَلِ بِمَذْهَبِ الْغَيْرِ عِنْدَ الضَّرُورَةِ)

Wassalam,
Umer Mian

Should I Start to Repay a Student Loan I Am Not Currently Required To?

Answered by Shaykh Faraz Rabbani

Question: Assalam alaykum,

When I was studying, I took a loan out to cover the cost of my tuition fees. However, I am currently earning below the Student Loan Company’s repayment threshold.

Is it mandatory for me to start paying the debt though I’m not required to payback at this moment by this company?

Answer: In the Name of Allah, the Merciful and Compassionate

Walaikum assalam wa rahmatullah

I pray this finds you in the best of health and spirits.

The key concerns would be:
(1) if your debt is accumulating interest (riba), then you have to expedite repayment, within reasonable ability;
(2) you shouldn’t unduly avoid repayment;
(3) it is permissible to delay repayment when below their threshold–and recommended to take the means of hastening repayment, and acquiring the financial capacity to repay.

Please see: Debt: How It Destroys Lives, How You Can Fight It

And Allah is the giver of success and facilitation.

Faraz Rabbani

Debt: How It Destroys Lives, How You Can Fight It

RizqwiseThe good folks at Rizqwise have a very worthy multi-part series on debt that you should really listen to.
If you haven’t got the time, this concluding episode is not to be missed. Rizqwise speak to Rehan Huda, a prominent investment banker and leading authority in Islamic Finance, about some of the key lessons we can learn from the long history of debt.
Don’t forget to subscribe to their email newsletter to stay up to date.

Debt: The Full Rizqwise Series

  • How Debt Destroys Lives, Communities, and Civilizations
    Duration: 53:11
  • How to Stay Out of Debt (For Good)
    Duration: 33:58
  • Ask Risqwise: Is investing in the stock market risky?
    Duration: 27:51
  • How to Get Back on Track With Your Debt Elimination Plan
    Duration: 29:16
  • 5 Tips to Stay Motivated While Paying Off Debt
    Duration: 29:09
  • Ask Rizqwise: Should I pay off loans before investing?
    Duration: 18:45
  • Avalanche vs Snowball: Two Very Different Ways to Pay Off Debt
    Duration: 29:51
  • Ask Rizqwise: How do I go “all in” on debt?
    Duration: 26:14
  • How to Set Your Debt Free Date
    Duration: 27:31
  • The Critical First Step to Eliminating Debt Once and For All
    Duration: 20:18
  • Ask Rizqwise: Why Credit Cards Make You Spend More Money
    Duration: 20:58
  • The Great Debate: Active vs Passive Investing
    Duration: 29:21
  • Ask Rizqwise: Getting Married and Out of Debt
    Duration: 25:38

 

Resources for seekers:

 

Can I Give in Charity When in Debt?

Answered by Shaykh Faraz Rabbani

Question: Assalam alaikum.

What is the ruling on donating while in debt?

Answer: Walaikum assalam,

​I pray this finds you in the best of health and spirits.

Debts are a trust, and their repayment falls under the general Divine call: “Truly, Allah commands you to return trusts to their rightful owners.” [Qur’an, 4.58]

In general, there are two types of debt:
(1) debts that are immediately due;
(2) debts that are deferred or not immediately due.

It is an error to give in charity when doing so would either delay debts that are immediately due, or result in inability to pay deferred debts on time. The Prophet (peace and blessings be upon him) warned that, “It is wrongdoing for one with wealth to delay repayment.” [Bukhari and Muslim] And, as Ibn Abd al-Barr (Allah have mercy upon him) put it in his commentary on the Muwatta’. “And wrongdoing is prohibited, whether small or great.” [al-Istidhkar]

Most of the scholars considered delaying repayment to be a major sin—particularly when it hurts or harms the other party.

With deferred debts, it is recommended in the Prophetic sunna to hasten to repay such debts—to clear one’s dues, as part of one’s avidness to fulfill the rights of others, and as part of preparedness for death.

However, this can be balanced with giving in charity—to attain the rewards promised those who give, and in fulfillment of the social obligation (fard kifaya) to support deserving causes and needy individuals. After all, Allah Most High describes the righteous believers as being those who, “In their wealth there is a known right, for the needy and the deprived.” [Qur’an, 70.24-25] This encompasses the personally obligatory duty of zakat, and the communally obligatory charity, and the recommended charity. [Abu’s Su`ud and othes]

And Allah is the giver of success and facilitation.

wassalam,

Faraz Rabbani

Why It Is not Valid To Forgive a Debt Someone Owes You and To Deem it as Zakat?

Answered by Ustadh Tabraze Azam

Question: Asalamu’alaikum,

Why it is not valid to forgive a debt someone owes you and to deem it as zakat?

Answer: Wa alaikum assalam wa rahmatullahi wa barakatuh,

I pray that you are in the best of health and faith, insha’Allah.

A condition for the validity of zakat is transfer of ownership.

Simply put, the poor person must gain ownership of the wealth such that he can do with it as he wishes. This is understood directly from the Qur’anic verse delineating the permissible avenues of zakat funds.

Forgiving a debt does not fulfil this condition, and is hence impermissible as a method of discharging your zakat; this is despite it leading to the same result (i.e. in his returning the money to the creditor, in the case he wishes do so.)

Similarly, and just as example to illustrate the above, an unmarried couple can be the means of bringing about a child in an unlawful manner; yet a simple statement of “I have married you,” with its other related conditions and sunnas, turns it into a lawful contract and relationship. The result is the same (i.e. the child), but the latter is in congruence with revelation, and the former is not.

The same can be said of much in the Sacred Law, and it is from Divine Wisdom that things are as they are– sometimes such Wisdom is plain, and others, it is not.

Please also see: Zakat

And Allah alone gives success.

Wassalam,

Tabraze Azam

Checked & Approved by Faraz Rabbani