Archive for June, 2011

Q&A Regarding Loans, Riba, Shares, Insurance, Working in Banks etc.

June 29, 2011 1 comment

These notes are compiled by Dr. Anwar Al Madani, professor at Islamic Online University and written by Sr. Naeema. I thought I might share as important financial issues that we may have to deal with at some point in our lives are addressed here:

These questions have been forwarded to scholars and Al-Lajna AlDaima,council responsible for answering questions that people ask .It is based in Saudia Arabia.Sh. Ibn Baz(May Allah have Rahmah on him) was once the head of it.

 Main Question

What is the hukm in the issues where there is difference of opinion?
Option 1:-Should we take the view which looks most likely to be correct ,where the daleel looks to be more eminent?
Option2:-Should we do what is most easy to follow and easy to do?
Answer:-If there is a daleel Shariah(from Quran /Sunnah)where it gives us the choice to either do the hard stuff or easy stuff.
Example of Fasting/Not Fasting while travelling :-Hadeeth of the prophet
“It is not the act of righteousness to fast while you are travelling”
Yet the prophet fasted while travelling ,while at other times ,he broke his fast while travelling, which shows that it is acceptable .
On the basis of this,we see ,that the scholars have differed ,whether it is ok to break fast while travelling ,or if one does fast ,whether it is acceptable or not.So here we are given a choice of breaking fast while in the month of Ramadan while travelling.So it is better to take which is easy in such cases ,if given a choice.
This has been narrated of the prophet(SAW)
“Whenever he was given a choice between one issue to be done in two ways,he would always choose the easy one,unless there was disobedience of Allah in choosing that easy one.If it was, he would be the most furthest away from that particular action,
From this it is obvious, that if you are given a choice,then you opt for what is easy,But if it a matter of finding which daleel is most right ,or , the scholars have differed ,then if you have that much of knowledge through which you can read the views of the scholars in a particular issue and you find that it is ok ,then it is fine,if not then, you go and ask the scholars.
Allah says in the Quran
“Go and ask people who are knowledgeable people(scholars), and they are going to provide you with information, if you are among those who do not know”
Then you should try to follow the scholars ,and if you still have doubts ,choose the safest option ,instead of going for the easy one .Allah knows best
So this is the basis on which we start this Q/A session

Some old Nasiyah from Sh. Ibn Baaz in his life time

He may have said this fatwah in the early part of his life ,years back,lived in Saudia Arabia.
“Unfortunately there is a lot advertisement in the local papers in Saudia Arabia.”If this is the situation of Saudia Arabia years back,then what would it may be now,if this is the situation is Makkah /Madinah,what will it be like in other places away from Makkah and Madinah.,if this is the situation where the flag itself carries “La Ilaha IllAllah”then what about the places where the flags have statues.If this is the situation where the majority population is Muslims,then what about the places where Muslims are in minority.”

Further he says
“People are invited and cheated ,to take part in interest dealing ,loans from banks ,become partners ,invest in such banks which is haram.”
Allah has warning for all this
“Be careful ,those who disobey the commands of Allah ,that maybe trial and afflictions will come or some severe punishments.”
From this it is obvious not to take part in those kinds of banks or to promote in any way,which are dealing in interest .It is all haram,and we should keep away from it.It is among the major sins,and it angers Allah and RasoolUllah.
In the Quran
“Oh Prophets ,eat from the food what is good and do righteousness,Indeed I am aware of what you are doing”
Also the prophet said narrated in Muslim

‘He mentions a man who is in travelling ,since its not easy to be way from one’s family ,so not easy totally dependent at the mercy of Allah .You have unkempt hair ,in the company of strangers,and calling Allah,but your food,drinks ,clothes are haram ,you are being sustained with haram means ,then
How will your duwa be accepted?
We know most of us may have indulged in haram transactions ,investments , in some part of our lives ,we should do Tauba.
Sheikh ibn Baz kept on giving advice .mentioning hadeeth as follows

“Keep way from seven killers “
Amongst one is Riba and other is eating wealth of orphans
Another narrated by Jabir ibn Abdullah
“Allah curses the one ,who eats usury ,those who give ,those who write it down and those who bear the witnessto it, they are all equal in the sin “
So many hadith that the Shiekh quoted about Riba,and encouraged us to do Halal and to keep away from things that are haram.
Many un-Islamic fatawas from people who justify the interest ,and make it look like halal.Make them look attractive.So we should be very careful and should be educated to know what is halal and what is haram.

Q1.I work in Ahle Bank(Saudia Arabia) which deals in interest.I was forced to work in the bank for 8 months as I could not find any other job. Although I was working there ,it was not a loan department ,so no dealing in interest ,but mostly current account side.Some people say ,that my wages are haram and to work in that bank is haram, where as others say that my wages are halal, since I am working to earn that wage , but working in the bank is haram
Answer:- Sheikh and the Al-Lajna AlDaima council have the view that it is haram to work in any bank that deals with interest. Because it is a place dealing with interest and you are working there,and supporting it.
“And do not support each other in activities which lead towards haram and acts of sinfulness.”
Regardless of whatever you work over there, be it just like a typist ,clerk,bearing the witnesses or ,writing of accounts ,or whatever all of them are haram ,and you should not work there and get out of that kind of work.

Q2.I have a son who owes 100,000 Saudi Riyals because of the marriage which he had ,and he had to spent some of that money in a car which he is using,and he entered in the bank as an employee where he is getting certain amount of money as wages,and he needs that wages to pay off his loan ,and he could not get any other job
Answer:-You are not allowed to work in any conventional bank dealing with interest. Leave it immediately and Allah will bless you with better opportunities .

Q3.I have got many places which are suitable to be hired by banks,commercial places etc.I have been approached by Bank-AlWatni(National bank) for hiring my building.Is it allowed?
Answer:-Not allowed ,since the bank is dealing in interest and it is haram to support them.

Q4.I used to have certain amount of shares in a company,way back 25 years ago that company got bankrupt .After that I invested in Riyadh bank.each share for 1000 Riyals,and now each share is for 30,000 riyals.I need my money .Am I allowed to take my share ,while the truth is that I was unaware that the Co. invested the money in the bank?
Answer:-Take all that you will get from your share.The original amount plus the profit.Take the original for yourself,while spend the profit obtained through haram means ,in the way of Allah and doTauba,and InshaAllah Allah will help you and support you
“And whoever fears Allah and put his affairs in His hands ,Allah opens doors for him,and Allah is going to sustain him from ways which he never may have thought.”

Q5.Me and my brother disputed on something because of certain amount of shares being offered in the market.I was of the view that it is haram ,but my brother said that it is ok.Is it allowed to invest in haram places.Also am I allowed to give him my name so he can use my name to invest in such places?.
Answer:-Not allowed ,neither to invest nor to give your name for investing in haram places.

Q6.I was working in a bank dealing in interest for six seven months.Some of my friends told me that I am not allowed to work in a bank.Now I changed my job and joined Saudi Airlines.What about the wages that I have earned during those months at work?Halal or haram to keep them?Do I have to do sadqa of that money?
Answer:-You have changed the job,and now you are doing a job which is halal,and whatever you took as wages is Ok ,enough for you is to do Tauba.

Q7.I have got shares in Al-Jazeera bank(Middle East Bank).I have received profit ,which I usually spent on my family ,whenever I received it .Now I want to sell my shares.One of the employees there has told me that I can sell all the shares ,and each share will be for 900 Riyals.But I have my doubts whether it is allowed or not?
Answer:-Sell all your shares to the bank and take whatever they offer,then take for yourself the amount which you invested originally ,and spend the rest in the path of Allah and do Tauba.
So we see that the questions may be different but the answers are more or less the same.which is to do Tauba.
Module 28 Video part a3

Q8. Is it allowed for me to be an investor in some other companies,where they deal in shares.
Answer:-Those companies which do not deal in interest ,then you are allowed to invest,but those who deal in interest ,then you are not allowed.But in case you are doubtful,where your money is being invested ,then it is better and safe to stay away from it.The Prophet said
“Keep away from what you have doubts and incline to those which you do not have doubts in”
Example:-In New Zealand, we find most of the companies ,where its very difficult to determine whether they are investing in halal areas or not.Kiwi Saver schemes ,where each person who takes part in it ,the Govt.supports it.Part of the investment is taken ,and also the company in which one is employed also contributes as per some ratio, and then it is invested on your behalf somewhere ,Allah knows best,and then you get the money when you retire or even before that.But it is haram, because it is very difficult to determine and find out where they are going to invest.
Riba and Haram things both not allowed.
You may be investing in a company which may have a factory which may be selling haram stuff etc.So Riba itself is haram ,and also investing in companies which do haram business like liquor factories ,swine farm.So Riba itself is haram and other forms of haram will come under the banner of haram .

Q9.There are companies which invite investors to invest ,plus investing in Insurance Co.Is it allowed?
Answer:-It is allowed to invest in companies which do not deal in interest,if they deal in interest ,then it is haram.As for conventional insurance,it is also haram to invest,because of Gharar(ambiguity),Riba etc.

Q10.Some of the companies you work for , they insure you for certain amount of treatments in the hospital ,for those who work in the companies and their families.For that these companies , pay the hospitals to insure this treatment for their workers as follows
Your company is going to pay on your behalf as part of some package deal. Monthly they pay the Hospital 100 Saudi Riyals /person,regardless of the amount of time you end up in the hospital.This is the amount paid on your behalf and the hospital is going to treat you,give you medications ,any form of operation if needed ,based on the amounts the company is paying for you.We know that there are times when that person may never go to the hospital,and at times he may go too many times,infact to the extent that he may undergo an operation costing thousands /tens of thousands of Riyals.All of this for 100 Riyals /month.
1. Is this medical Insurance acceptable in Islam or is there is something where there is ambiguity?
2. Does this fall in to a business called Al-J’ala or not?
3. What kind of Ta’wun /medical insurance is allowed and which one is not?
Answer:-Since the company pays for its employees certain amount to the hospital for each individual where the employees get free treatment .This is exactly like Al-Tameen Al-tijariya Almuharram /commercial insurance and it is haram ,because of the ambiguity(gharar) associated with it.Basicaly consuming wealth in haram way.This is unislamic and we should not do it.

As far as Takaful is concerned .It is ok and it is based on contribution and donation and it is ok.

Q11. What is the Islamic verdict on Tameen Al Saiha(Medical Insurance) in which you pay a certain amount of wealth to a company and this company insures your treatment ?
Answer:-It is one of the types of commercial insurance ,and it is haram ,because of the gharar/ambiguity attached to it.

Q12.Insurance on Driving Licence/ Tameen Al-Rukhsat.Due to accident the company will bear upto 3 million riyals .One only has to pay 365 Riyals /year.
Answer:-It means the person will 3,650 Riyals in 10 years only ,double it in 20 years 7,000 Riyals ,40 years 15,000 ,80 years 30,0000 Riyals ,its very rare that he lives beyond that time,and for that he is being insured for 3 million Riyals .This is haram as it is just like gambling (Maisir),and there are so many proofs for that.Sh.Muhd.Saleh (May allah have mercy on him)answered it.

Q13.Hukm for insurance for car accidents?
Answer:-Haram as it involves conventional insurance.Part of the Nsiyahy given was the hadith of the prophet (SAW)
“The person who refrains from something ,for the sake of Allah ,Allah(SWT) will provide him a substitute which is better for him.”
Because a person may spend that much of money and may not be benefitting from it at all,where as other people may benefit from it more than they may have paid for .
Module 28 Video part e

Q14.Special Cards/Membership Cards/similar to those issued by companies all over the world.What about a customer /member of such a card which offer discounts such as Teacher’s card.In Saudia Arabia they offer the teacher’s card for a certain fee.Once we become a member ,then we are eligible to avail discounts at hospitals ,hotels ,other places which acknowledge such cards
Answer :-Not allowed since there is a fee attached with a card,that fee is not acceptable Islamically ,which involves ambiguity ,taking people’s money through Batil(fraud),which is not halal.These cards should not be issued, neither are we allowed to be a member of such schemes.

Q15.I invested in Arajhi Bank.I gave them 3,500 Riyals for 35 shares. Now the price of those shares is 50,000 Riyals.The company has been distributing the profits to the share holders. Is the profit ok or not?
Answer:-If you have invested in a company ,which does not deal in interest ,then you are allowed to take your share ,but if it is dealing in interest ,then you are not allowed to invest in it ,neither are you allowed to take the extra profit.

Q16.Giving your name to somebody for investing purposes ?Isi t allowed?
Answer:-Not allowed.It is cheating

Q17.There are so many investment companies/banks who claim that are dealing with Shariah and investing your money Islamically ,take your money and invest ,and then take some percent 10% of the profit for themselves .Is it Islamic or not?
Answer:-Do not invest with banks(conventional) ,since they are found on Riba system.But if Islamic banks offer some products which is halal ,then there is no problem .It is allowed,if they take 10% out of the profit.

Q18.Is it allowed for us to deposit our money in saving accounts /deposit term in banks /companies etc.
Answer :-If they deal in interest ,then not ,otherwise if they deal as per Islamic terms and objectives,then it is allowed.

Q19.What about taking loans so that I can become a partner /investor in some companies?
Answer:-This question was asked from Sh.Uthaymeen .He says that
“To take loans so that you can invest in the share ,is among the stupidest acts of a person.”
Be it through interest or without interest ,regardless of that,the one with interest is even worse. You do not know whether you will gain any profit or not, then if not how will you give the money back to him. So you only try to invest what you already have.
Allah says
“For those people who are not able to afford means of getting married,then they should save their chastity,and safeguard themselves in the way which is described in Shariah, till Allah(SWT) gives them enough through which they can get married”
From this it is clear ,that Allah is not saying that those people who want to get married and they cannot ,they can go and take loans,though it is allowed ,and getting married is more important than getting richer.Yet Allah did not tell this.
The prophet(SAW) said to those people who could not afford to get married
“Oh young men,those who are able to afford the means of marriage should get married ,and those who are not able to ,they should fast.”
He did not say that they should take loans.Though, taking loans (Qard Hasna) at the time of need is allowed.It is very encouraged as per the hadith
“If a person gives twice in loans ,it is equal to the same amount of charity given once”
But only in the time of need,not because that you want to invest and get richer.You may lose it all,and then you may find it difficult to pay it back.We all ,may have taken some loans in some part of lives,and we know it keeps on bugging us till we pay it back,so its mentally and physically draining .The best person is one who does not owe any money to anyone, he lives with so much pride in him/her.May Allah bless us and gives us enough that we may survive upon, and do not need to take loans .It is a blessing from Allah to those who manage to survive without taking any loans.

Are you in e-love?

June 26, 2011 1 comment

The Bigger Picture

“And I did not create the Jinn and mankind except to worship Me” [Surah adh-Dhaariyaat: 56]
We begin with this verse as it sets the stage for everything in our lives. It directs us towards our ultimate purpose, and that is the worship of Allah – worship that isn’t only restricted to certain rituals at specific times, but requires obedience of Allah’s commands in every aspect, at every minute, during every activity.

To mislead us from this noble purpose, that is the goal of Shaytaan, the mortal enemy of the entire human race. Allah warns us about Shaytaan:
“[Shaytaan] said: Because you have put me in error, I will surely sit in wait for them on your straight path. Then will I come to them from before them and behind them, and on their right and on their left, and You will not find most of them grateful [to you].” [Al-A’raaf 16-17]

Shaytaan works in smart ways. His plan starts with whispers towards small evils and end with having us commit major sins. Allah warns us to not respond to even the smallest of inklings from Shaytaan. Allah says in the Qur’aan,
“…and do not follow the footsteps of Shaytaan. Indeed, he is to you an open enemy.” [Surah al-Baqarah: 168, 208]

Easy As 1-2-3!

Understand, dear brothers and sisters, that Shaytaan has his eyes set on the destruction of our imaan, and he works to accomplish this even through the good, beneficial things that Allah has blessed us with.
One such blessing of Allah is modern technology – radio, television, computers, internet, cell-phones, IPods, PDAs… the list goes on. They make our lives much easier in many ways: getting news from across the world is as easy as pushing a button, communicating with relatives far away is as easy as punching a few numbers in a machine, getting info for a research article for your homework can be as easy as keying the right string of words in Google search. In fact, we can even use technology for Islamic work; take for example, using the Internet to learn Islam, organize da’wah events, raise funds for a worthy cause, etc. We thank Allah for these blessings as He is the One Who gave humans the intellect to conjure up such inventions, and us the means to acquire them.

However, keep in mind that Shaytaan tries to get us in any way that he can. Many also use their computer screens to watch/read inappropriate material, waste hours browsing through useless material, and establish indecent interactions with members of the opposite gender. With the ease of modern technology, Shaytaan can really make some sins as easy as 1-2-3.

This article will focus on one such trap of Shaytaan: that is, indecent gender interaction while using social networking tools (Facebook, Instant messaging, etc.) Remember that social networking tools are neither entirely good nor entirely bad. It is what we make of them, just like a knife can be used to slice meat and make delicious “biryani” or it could be misused to kill! This article is adapted from an original internet article by a sister by the name of “Umme Lulu”. The story unfolds from the perspective of a sister, but the message is equally applicable to both genders.

The Initial “Spark”

It starts when a brother adds you on MSN/Yahoo/Skype/GTalk/Facebook for a valid purpose – it could be for something work-related, perhaps you are cooperating on a project. You know your priorities and limits, and won’t allow it to go further than the actual purpose. But then you slip a few times. The conversations start to go off topic and you don’t stop yourself. It is not work/project-related anymore, and you find yourself discussing things as you would discuss with your girlfriends. You feel an initial hesitance, but you tell yourself, “it’s all innocent talk. We’re not talking about anything bad. We’re just communicating about normal, everyday things.”
Time passes by and you find yourself talking to the brother every day now, for hours on end! You and he are similar and it’s nice talking to him. He feels special in your heart. You ask yourself, “do I actually like him? Should I be feeling this way?” You pause that thought, shrug your shoulders and think, “so what… it’s not like it’s haraam to have feelings for someone. I’m not going to act upon anything… and not as if he likes me.”

You assure yourself it will not get too far, and you carry on talking to him. You find yourself coming online more often, waiting for him, while ignoring your other friends so you can talk to him more. He becomes a very close friend to you and you share everything with him. You trust him enough to do that.
Even when you carry on with your routine daily work, he’s on your mind and you can’t wait till you two can talk again. The little voice inside your head tells you something is wrong, but you push it aside. You know your parents wouldn’t approve of you talking to a brother like this. They would flip out! And moreover, you would imagine Allah SWT would not approve of this endless, pointless free-mixing. You recall the lectures you’ve heard about the dangers of free-mixing and what it can lead to. You recall the stories of those who started off with innocent friendships but ended up in something more… something haraam.

“But it’s fine,” you tell yourself. “He’s only a friend and it’s all innocent! It’s not like I even see him in person!” You can suppress the other feelings in your heart and continue to be friends. “Everything will just stay as it is – normal,” you convince yourself.
Then one day, OMG you can’t believe it! OMG OMG: wake up! Pinch yourself! Did he just admit that he likes you?! Finally! It got through to him that you like him and it feels like the best thing that has ever happened to you!

You think: What now?? Where to go from here??

Friendship Turned Relationship

“Oh my Allah,” you think… you and him have been ‘talking’ now for six months! Wow! That seems like forever. But now, it’s not like before… you call each other everyday, share pictures (still in hijab, of course!). Yet, you don’t feel the burning guilt each time you think about him or message him or call him. It’s almost…normal. You worry at times because you think maybe you lost your fear of Allah, your imaan. You felt some shame earlier when you talked to him, and tried anyway to turn away from Allah seeing you, even though you knew that was impossible, as Allah is the All-Seer and All-Knower. But now, everything feels oh so comfortable. That little voice in your head that used to warn you earlier has become silent lately. You think to yourself, “is something wrong? Is my internal compass broken now?!”

Your thoughts are interrupted by a very familiar ring tone: it’s him calling again, for the 3rd time in one day! You shove away your earlier thoughts and rush to pick up the phone with your heart racing. Life seems so perfect when you talk to him, he makes everything fine again. You feel happy. He makes you forget all your thoughts that worry you when you’re alone. That’s why you love talking to him. He’s almost become like a shield from any reminder… any painful reminder that is!

Weeks go by and there is no change. No action. Those thoughts that used to worry you earlier don’t even come back to you. You feel great at all times, almost euphoric!

The Pathways to Zina

One day, one of your cousins asks you to come with her to a masjid event. “Sheikh so-and-so is visiting our masjid and giving a lecture!” You decide to tag along thinking, “He’s away on a trip any way, so not like I’ve got much to do this evening.” While in the car, you ask your cousin what the topic is. She replies, “The Pathways to Zina”. Your heart stops beating for a bit. “Relax,” you tell yourself. “Why the sudden panic? Have you committed zina? Or even come close to it? Astaghfirullah, of course not! Well then, relax! You’ve heard the reminders on this topic, you know what it’s about!”

You finally make it to the Masjid with your cousin. The sheikh starts the lecture. First he goes through the definition of Zina. “I know this,” you think. But why are your palms sweaty? Why do you feel like the sheikh is talking directly to YOU? “I’m just being a paranoid mess!” you tell yourself.

The sheikh continues and explains a verse from the Qur’aan by saing that “Allah Azza wa Jall in His Wisdom did not only prohibit the munkarat (evil, abominable deeds) but made the pathways to them prohibited as well.” The sheikh pauses.

You feel sweat coming down your forehead. Is it really that hot in here?
The sheikh continues as you listen attentively:
“So brothers and sisters, let us ask ourselves. What are the pathways to Zina? To this most disgusting sin?”

“And do not approach az-zina (unlawful sexual intercourse). Verily, it is a faahishah (a great sin) and is evil as a way.” [Surah Al-Israa:32]

The sheikh makes a dramatic pause. He continues: “Brothers and sisters, why do you think Allah does not say ‘do not commit Zina’. Why does Allah say do not come NEAR Zina?”

He answers his own question. “Wallahi there are many pathways to this sin. Among them is our negligence of Allah’s command to lower our gaze. Among them is the extreme free-mixing we see in our community….”

Again, the sheikh pauses. Why does he keep pausing?? You just might get a heart attack!

“And not to forget our online community as well because Allah Azza wa Jall is not just watching us while we’re in the Masjid, rather He is watching us wherever we are, be it outside our home, or inside, locked away in our room, browsing the internet.”

“Ya Allah!” He didn’t just say that…. Your heart stops.

“Brothers and sisters, we mistakenly trivialize these sins, while they’re nothing but stepping stones to the greater sin of Zina. The uncontrollable gazing, the constant free-mixing online and off – you hear people say it’s not a big deal, just some innocent fun. What fun? Disobeying our Rabb is fun? Disobeying our Rabb is innocence? Since when, ya Shabab?

You see among these same youth how ‘normal’ free-mixing has become. It’s not surprising to see a brother or sister who regularly attends the Masjid, chatting away at home with someone of the opposite gender, for no valid reason, and in a manner completely inappropriate. SubhanAllah, is our piety just outside, where people can see? Do we not fear Allah who sees us as we spend these hours mingling with the other gender? Do we not realize that Shaytaan is laying a trap for us to ultimately commit shameful acts like the bigger Zina, while we commit the ‘smaller Zina’ with our eyes that are seeing haraam, our feet which are walking to haraam, even our hands which we use to mingle and chat profusely with the opposite sex? Do you not realize the Shaytaan’s even bigger trap: to turn our hearts away from the obedience of Allah and to make us his companion in Jahannam? Brothers and Sisters, let’s wake up from our desires!
When will we wake up? When death comes, and it is too late to repent or come back to the straight path? SubhanAllah how many countless people were deceived before us, thinking their sins were trivial. And how many of them now lay in their graves in regret? Do we want to reach the same fate? No! So then we must leave these sins before our time is up. And who is to say when that will be? Today? Tomorrow?”

You are now frozen in your place. The sheikh continues his lecture but you’re lost in your thoughts. You imagine yourself in your room talking to the brother. SubhanAllah what if your soul was taken away at that very moment? You would be raised up in that same state. Complete humiliation! Because of your sin… you finally acknowledge it as a sin! “How did I even get here? What happened? Nearly 7 months in… a… relationship with a brother? Ya Allah!! You feel hot tears coming down. You quickly duck your head down so no one can see.

The sheikh’s words interrupt your guilty thoughts. He is relating the story of a pious worshipper by the name of Barsisa, and the 3 brothers who left their sister with him thinking he would be the best person to take care of her. What happened next? It was so long ago that you heard the story. You listen closely.

The sheikh relates the whole story and it comes back to you. He committed Zina with her!! Astaghfirullah… and it all started with one glance, with one conversation. The whole time Shaytaan was tempting him till the worshipper committed Zina with the girl, and she became pregnant. You remember now how the story ends. The worshipper killed the woman and her baby and ended up asking Shaytaan for help. He made SUJOOD to Shaytaan!
SubhanAllah! And Shaytan ditched him in the end saying: ‘I am free of you, I fear Allah, the Lord of the Worlds’ just like the verse in Surat al Hashr:

“[The hypocrites are] like the example of Shaytaan when he says to man, “Disbelieve.” But when man disbelieves, he says, “Indeed, I am disassociated from you. Indeed, I fear Allah, Lord of the Worlds.” [Al-Hashr:16]

The worshipper ended up being killed by the brothers because they discovered what he did. SubhanAllah!! All because he fell for Shaytaan’s whispers!

At-Tawbah: Turning Back To Allah

Now the tears are coming down hard and you can’t stop them. You hide your face and run to the bathroom. You stare at yourself in the mirror: modestly covered Hijabi with tear stained eyes – tears for months of sinning. SubhanAllah. Imagine if you would have ended up like the worshipper? Committing Zina! “Ya Allah…” You cry as you drop to the ground and make a silent du’aa: “YA RABB, FORGIVE ME FOR THE OPPRESSION I HAVE COMMITTED AGAINST MYSELF. O ALLAH I TURN TO YOU IN COMPLETE REPENTANCE. I WILL STOP THE SINS I WAS COMMITTING BEFORE, AND I WILL NOT FALL IN THE SAME TRAP AGAIN. YA RABB FORGIVE ME…”

You sit on the floor for some time sobbing out of regret.

The sheikh’s beautiful recitation can be heard on the loud speakers. You are still sobbing but you try to focus on the recitation.

“Say: ‘O ‘Ibadi (My slaves) who have transgressed against themselves (by committing evil deeds and sins)! Despair not of the Mercy of Allah, verily Allah forgives all sins. Truly, He is Oft-Forgiving, Most Merciful.’ ” [as-Zumar: 53]

The verse strikes a special chord in your heart. How MERCIFUL is Allah, our Rabb, Who forgives His slaves for their wrongdoings! You continue to sit there reflecting and thinking about the next steps, what you’ll do as soon as you get home. You get up, dry your eyes and examine yourself in the mirror before leaving. This time a small smile appears on your face. You think to yourself: I’m a Muslimah!! Alhamdulillahi Rabbil ’Alameen! Alhamdulilllah for my deen, for my Merciful Rabb, who calls to good and forbids evil and sends reminders to His sinning slaves so they correct their ways. Imagine if I didn’t have the blessing of Islam! I would be so lost! Alhamdulillah!!

You go downstairs to the women’s section. The sheikh is now talking about marriage. You can hear it in his voice that he is smiling as he talks. You like his merciful approach!
The sheikh says:
“The youth sometimes approach me and tell me, ‘Ya sheikh ! Why are you making marriage hard on us? Do you want us to remain single forever!! How are we supposed to find people if we can’t even be friends with them? That’s what everyone does, especially in my culture… they can’t all be wrong?!’

Well, firstly, no way, I certainly don’t wish to make marriage hard on you! There are too many singles in this Ummah! So please hurry and fulfill this sunnah! Quit snoozing!”

Some people in the crowd laugh.

The sheikh continues, “Brothers and sisters, remember marriage is half of your deen and it will definitely be a form of protection for you in the dunya against many sins. So if you are able to, then marry! The Prophet Salallahu ‘Alayhi wa Sallam said in an authentic hadith:

“O group of youngsters, whoever amongst you has the means should get married, because it keeps the gaze down the best and it is the most protecting for the private parts. Whoever does not have the means should fast, because that breaks the temptation.”

I encourage all the youth here to get married. And I remind their parents to make this path to halal easy for them, for if you make it hard, they will pursue the paths to haraam instead.

Secondly, in response to “how do we find people, if we can’t be friends,” then brothers and sisters, there are many ways to find suitable people to marry both online and offline. No need to swim in the rivers of haraam to reach this goal. The first step the youth should take is to talk to their parents and convince them that they’re ready for the responsibility of marriage. Don’t go out and search for someone to marry without your parents’ knowledge; this is especially true for sisters, because they require a Wali (a male guardian). And yes, this applies even when you are on the internet. The Shari’ah of Allah doesn’t change over cyberspace!

So if you are offline, get in touch with community members who can help out. Ask a married brother/sister or the local imam to see if they know of someone suitable for you.

As for online, there are countless matrimonial websites… but beware as some of them contain a lot of fitan such as pointless free-mixing, sharing pictures and the like. Make sure that the woman you question has her Wali’s full knowledge and supervision. This communication should also be according to the etiquettes of gender interaction. Have a serious intention, and keep halal. Marriage is a very important step in your life, so does it make sense that you start it off through something haraam, thus earning the displeasure of Allah?

Let me wrap up by advising you all to have a firm intention to marry, follow the permissible means, have Taqwa of Allah and trust in Him and insha’Allah brothers and sisters marriage will be made easy for you.

As for the last statement that ‘everyone does this, especially in such and such culture,’ I ask you: since when do we take our religion from other than Allah and His Messenger? Do we follow an opinion above what Allah and His Messenger have told us? No! And besides, please know that most of mankind, like Allah SWT said, will lead you into wrongdoing. So fear Allah and do not follow them in their wrongdoing and refrain from using such reasoning. Hear and obey what Allah Has revealed and you will be fine!”

“This makes so much sense,” you think! SubhanAllah all this time you were deceiving yourself, using the wrong means to achieve a right end. It’s just wrong, plain and simple.

Alhamdulillah what a great lecture! You give your cousin a big hug after the lecture and tell her sincerely how blessed you are to have such a good friend like her and that you really benefitted from the talk. Surprised, she returns your hug.

As soon as you get home, you turn on your laptop and start typing an email to the brother:
“Assalaamu Alaikum…I have something important to tell you. I just came back from a lecture in the Masjid. It really scared me straight, Alhamdulillah. It made me realize what we are doing is so wrong. We cannot continue this ‘friendship’ anymore, we can’t call or text each other or share pictures. By saying that eventually we will marry, it does not make what we are doing halal. It’s still haraam. The fact is, marriage is several years away for me and for you. When the time is right then I will take the permissible means to find a suitable person, and so should you.
I know we’ve been talking for a long time and it won’t be easy to part, but I’m doing this for the sake and pleasure of Allah and for Him alone. Death can come to us at any moment, and I do not want to die in a state that is displeasing to my Rabb, by sinning. And this is sinning… what we have been doing for all this time. May Allah forgive me and you!
It’s time to wake up from this trap Shaytaan is setting for us. I am going to remove you from my list and from my phone and from any other place I have you. Please do the same. Let’s both repent to Allah, and leave these sins and never return to them.”

After sending the email, you sit back in your chair and breathe a sigh of relief. You remind yourself of the 4 steps of repentance: Sincerity to Allah; Remorse for what you’ve done; Stopping the sin immediately; Determination to not return to it.

“Alhamdulillah I took the big step and stopped; now for the hard part: staying firm!”
In your ‘Isha prayer you make sincere du’aa to Allah to make you strong in your imaan and not return to the sin. You also make du’aa for the brother that he sees the truth of your words and doesn’t try to maintain contact with you.

Next morning, no email, no phone call. A couple days go by, then a week. Nothing. Alhamdulillah.

Gender Interaction – A Brief Guideline

1) Need for Interaction/Communication
Islam recognizes that there may be a need for men and women to interact with each other and communicate for valid purposes. Such interaction is allowed as long as it doesn’t exceed the genuine need for the interaction, and is carried out in a modest fashion. We find that in the life-time of the Prophet (s), women would approach the Prophet (s) to refer matters to him and ask questions, and he would answer them. Moreover, the Prophet (s) would also set aside a day to teach only the women of his ummah. Similarly, we find other examples from the lives of the sahabah and the salaf, of men and women interacting if there were a need. In our times, permissible interaction may take the form of, for example, collaboration for a community project, commercial and trade purposes, talking to a colleague at work place, gaining education from an instructor of the opposite gender, etc.
When we interact with members of the opposite gender without any purpose and without adhering to the other etiquette, then this falls under free-mixing. Prophet (s) instructed the sahabah by saying, “do not go near non-mahram women”, and when he was asked about the in-laws (non-mahram), he replied, “the in-laws are death” [recorded in Bukhari and Muslim]. Keeping this in mind, it is not wise to argue that Islam allows men and women to be friends and to interact with each other without any genuine need. In fact, such socializing and intermingling isn’t allowed even if it be in group settings.

2) Avoiding Seclusion
In Islam, seclusion or “khalwa” occurs if a man and woman are alone such that the unlawful may happen between them. This would include a man and woman meeting, without a third, in an enclosed, private area where others can not see them and/or walk in on them.
Thus it is allowed for a man and woman to converse with each other, as long as it is done in a public area, without them having full privacy. This is to maintain the purity of the hearts and so that Shaytaan doesn’t cause them to act immorally, or even harbour immoral thoughts. As the Prophet (s) has advised, “when a man is alone with a [non-mahram] woman, Shaytaan makes the third.” [Bukhaari]

3) Correct Hijab for Both
Both men and women should dress properly and modestly in front of one another, as outlined by the shari’ah. Men must cover their awrah with loose clothing that does not define the shape of the limbs below. Women must wear an outer-garment to not display their adornments and the shape of their body, and wear a headscarf to cover their head which extends below to cover the neck and chest. As well, women must not wear perfume so that the men she would interact with, or even pass by, would smell the scent.

4) Lowering the Gaze
Allah has instructed us to lower our gaze and not look at a member of the opposite gender with desire so that Shaytaan doesn’t corrupt our hearts. As we find in Surah Nur, ayah 30-31, this command applies equally to men and women.
This also stands as a further proof against those who argue that men and women can be friends and socialize together. When Allah has prohibited us from even looking at those of the opposite gender, how can we justify socializing with them and being friends with them?
As well, let us keep in mind that lowering of the gaze extends to online communications as well. If we’re not supposed to check out someone of the opposite gender in person, then similarly we’re not supposed to check out their pictures over the internet either.

5) Correctness in Speech and Manner of Talking
When the need arises for men and women to interact with each other, the communication must be in a modest fashion.
Allah (swt) instructs the mothers of the believers in Surat al Ahzab, verse 32, to not be soft in speech, and to speak in an appropriate manner, when they talk to men. Thus, we can extrapolate that both men and women must watch their tone so that their voice is not soft or can be taken as suggestive or flirtatious. This doesn’t mean that men and women must be harsh when they interact with each other; rather the interaction should be in a formal, business-like manner. It is more important to watch ourselves when we interact with those non-mahrams we’re in contact with on a regular basis (for example, relatives, co-workers, peers) as there is a greater chance of letting our guard down when interacting with them.
As well, since any inter-gender interaction is only based on a need, any jokes or leisure talk should be avoided between the genders, so the conversation is not steered off topic.

Online Communication:

Often times we let our guard down when speaking to a member of the opposite gender online or over the phone, simply because of the lack of physical presence. However, it is important to keep in mind that the same rules apply, as above, when it comes to online communication. Below are some additional points to keep in mind specific to online interaction (including with a potential spouce):

– Emailing is a better idea compared to Instant Messaging. Instant Messaging tends to get more informal and easier to get off-topic, compared with email.
– Keep your emails formal.
– Limit or completely avoid the use of emoticons/smileys. Sometimes it helps to add a “” at the end of the sentence if you feel what you’re saying could be misinterpreted or come across too harsh. However, there is no reason to use winking or tongue-sticking-out faces.
– Depending on the nature of the conversation, sometimes it is better to add a 3rd person in your communication.
– Do not show your picture in display images and avatars. Remember that “lowering your gaze” extends to the online world as well. Help others lower their gaze by not displaying your pictures to them.
– If you are on a forum, ask yourself, “what is the purpose?” If you are on a forum for leisure purposes and communicating with the opposite gender, then this isn’t necessary communication. If it is for informative/educational purposes then avoid going over-board in your interaction and stick to the topic and purpose.

Categories: War On Fitna Tags: , , , , ,

Standard Bearers of Truth (PPT)

June 23, 2011 Leave a comment

A Presentation that will leave you with a burning sense of purpose. (Not sure who the author is). Please click link below to download:

I StandardBearersofTruth

Ibn Qayyum: Dispraise of HAWAA (Desire)

June 22, 2011 Leave a comment


“Allaah will give shade to seven, on the Day when there will be no shade but His. (These seven persons are):
a just ruler,
a youth who has been brought up in the worship of Allaah (i.e. worships Allaah subhanahu wa ta`alaa sincerely from his childhood),
a man whose heart is attached to the mosques (i.e. he offers the five compulsory Salaat (prayers) in the mosques),
two persons who love each other only for Allaah’s sake and they meet and part in Allaah’s Cause only,
a man who refuses the call of a charming woman of noble birth for illegal sexual intercourse with her and says: I am afraid of Allaah,
a man who gives charitable gifts so Secretly that his left hand does not know what his right hand has given (i.e. nobody knows how much he has given in charity), and
a person who remembers Allaah in seclusion and his eyes become flooded with tears.”
[Reported by Al-Bukhaaree and Muslim. The text is that of Al-Bukhaaree: Saheeh Al-Bukhaaree, V.1, Hadeeth #629.]
If you contemplate about the seven whom Allaah will shade in the shade of His `Arsh wherein there is no shade but His, you will find that they deserved that shade because of their opposition to Al-Hawaa. Indeed the Imaam having authority and power will not be able to establish justice except by opposing his Hawaa. And with respect to the youth who prefers the sincere worship of Allaah over the urge of his youthfulness, had it not been for the opposition of his Hawaa, he would not be able to accomplish this state of worship. As to the person whose heart is attached to the mosques, the thing that drove him to this condition is the opposition of Al-Hawaa which invites him tot he places of lusts.

Concerning the person who gives charitable gifts secretly so that his left hand does not know what his right hand has given, had it not been for his subduing of his Hawaa, he would not have been able to attain this state. And the person who was invited by a charming woman of noble birth (to have illegal sexual intercourse with her), feared Allaah and opposed his Hawaa. As to the one who remembers Allaah in seclusion and his eyes become flooded with tears for fearing Him, the thing that made him reach this state is the opposing of his Hawaa. Consequently, they were saved from being affected by the intense heat of the Al-Mawqif on the Day of Resurrection and the sweating therein. The people (adhering to) Al-Hawaa will experience the utmost degree of intense heat and sweating while they are waiting to enter the “Prison of Al-Hawaa”. Allaah subhanahu wa ta`aala is the One to be petitioned to grant us protection from the Ahwaa’ (Sing. Hawaa) of ourselves which are inclined to evil, and that He makes our Hawaa in accordance with what He loves and is acceptable to Him. He has power over all things, and He is most worthy of answering our petition.

Categories: War On Fitna Tags: , ,

How to give a Shahadah in 10 Mins! (Presentation By Kamal El Mekki)

June 22, 2011 2 comments

Download this excellent presentation to hone your dawah skills.


Categories: Dawah, PowerPoint Tags: ,

Etiquette of Huffaz

June 21, 2011 Leave a comment

[ Taken from Dr. Riaz Ansary’s (IOU Instructor) notes on Characteristics of Mufassir]

Etiquette of a Haafiz

Qurtubee said: One who memorizes the Qur’an should first of all purify his intention
to seek thereby the pleasure of Allah, the Glorious and Magnificent.
Then he should discipline himself to recite it day and night inside and outside salaah
so that he doesn’t forget it, for it is like a hobbled camel. If the owner attends to it he
will retain it, but if he should neglect it for a little while it will make off.1
He should be engaged in the praise of Allah, expressing gratitude to Him,
remembering Him and depending upon Him, seeking His help, yearning for Him, and
binding himself to Him.
[He should be] mindful of death and prepare himself for it. He should be fearful about
his sins, hopeful of his Lord’s forgiveness, but his fear should be greater in the state of
good health, since he doesn’t know in what state he will die. But he should be more
hopeful than fearful at the time of death as an expression of his good opinion of Allah.
Allaah’s Messenger r said, ‘None of you should die except with a good opinion of
Allah,’2 i.e., that He will forgive him and have mercy upon him.
It befits him to be knowledgeable about the people of his era,
on guard and aloof from his ruler,
actively striving to save his soul, sending before him what he is able to of the
transient goods of his worldly life, striving to discipline himself to the best of his
ability. It befits him to make the most important matter in his eyes scrupulousness in
his deen, making use of the fear of Allah and awareness of His oversight regarding
what He ordered and prohibited.
Ibn Mas’ood said, ‘It befits the memorizer of Qur’an to be known by his night
when people are sleeping, and by his day when people are awake, and by his weeping
when people are laughing, and by his silence when people are discussing
[yakhoodoon], and by his humility when people are prideful, and by his sorrow when
people are making merry.’ ‘Abdullaah ibn ‘Amr said, ‘It doesn’t befit the carrier of the
Qur’an to wade in with those who wade, nor to act ignorant with those who act
ignorant, rather he should forgive and pardon due to the right of the Qur’an, for the
word of Allah is in his breast.’
And it befits him to be extra cautious about avoiding the paths of doubtful
He should reduce his laughing and his speech in the gatherings of Qur’an and
all other gatherings when there is no benefit in it. He should carry himself with
clemency and dignity. It befits him to be humble with the poor and avoid arrogance
and conceit. He should avoid the dunyaa and its children, if he fears he will be
seduced by temptation. He should abandon wrangling and arguments and bear himself
with gentleness and etiquette.
He should be with those from whom evil is not to be expected and from whom
good is hoped. He should not listen to people who speak badly of others. He should
keep the company of those who will help him to do good and guide him to sincerity
and good character, who will embellish him and not blemish him.
And it befits him to learn the rules of the Qur’an, so that he understands what
Allah intends and what He has made obligatory upon him, and so he will benefit from
what he reads and act upon what he recites. How ugly for a memorizer of the Qur’an
to recite Allah’s commands and laws by heart and yet not know what he is reciting.
For how can he act upon something whose meaning he doesn’t understand? And how
ugly for him to be asked about the understanding of what he recites and he has no idea
about it. Such a person is really like a donkey bearing books on its back.
It befits him to know the Makkan revelations from the Madeenan so he can
distinguish between Allah’s address to His servants at the beginning of Islam from his
address to them at the end of Islam, and what He made obligatory at the beginning of
Islam and what He added on to that at the end of it. The Madeenan verses are
abrogators of Makkan verses in most of the Qur’an, for it is not possible for Makkan
verses to abrogate Madeenan verses. That is because the abrogated always precedes
its abrogator in time of revelation.
And it is a part of his completion that he know the I’raab of the Qur’an and the
meaning of its uncommon words, for that will facilitate his understanding of what he
reads and dispel his uncertainty regarding it. At-Tabaree related the statement of al-
Jarmee, “For thirty years I have been giving fatwaa to the people on the basis of the
Kitaab of Seebawayh.” Muhammad ibn Yazeed explained that that was because al-
Jarmee was a scholar of hadeeth, then when he mastered Seebawayh’s book of
grammar he developed a deep understanding of the meanings of the hadeeth, for
analysis and explanation can be learned from Seebawayh’s book.
After that, one should study the authentically related sunan of the Prophet r,
from which the student can arrive at an understanding of the intent of Allah in His
book, for the Sunnah will open its rules wide open for him.

Books on my Read List for 2011

June 21, 2011 Leave a comment

1. Road to Makkah by Muhammad Asad
2. Man-Made Laws vs. Shari’ah : Ruling by Laws Other than What Allah (swt) Revealed : Conditions and Rulings
3. Lateral Thinking
4. Getting to Yes
5. Purification of the Soul – Jamaludeen Zarbozo
6. How to approach the Quran – Jamaludeen Zarbozo
7. Usool At Tafseer – Dr. Bilal Philips
8. Usool Al Hadith – Dr. Bilal Philips
9. Aqeedah At Tahawi – Commentary by Ibn Al Izz
10. Supply of the Patient and Repertoire of the Thankful – Ibn Qayyim Al Jawziyah

Rabbi Zidnii Ilmaa and place barakah in our time ya rabb. Ameen.

Categories: Akhira Oriented Tags: , ,
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