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INTEREST (RIBA)

  1. الَّذِينَ يُنفِقُونَ أَمْوَالَهُم بِاللَّيْلِ وَالنَّهَارِ سِرًّا وَعَلَانِيَةً فَلَهُمْ أَجْرُهُمْ عِندَ رَبِّهِمْ وَلَا خَوْفٌ عَلَيْهِمْ وَلَا هُمْ يَحْزَنُونَ ﴿٢٧٤﴾ الَّذِينَ يَأْكُلُونَ الرِّبَا لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ ۚ ذَٰلِكَ بِأَنَّهُمْ قَالُوا إِنَّمَا الْبَيْعُ مِثْلُ الرِّبَا ۗ وَأَحَلَّ اللَّـهُ الْبَيْعَ وَحَرَّمَ الرِّبَا ۚ فَمَن جَاءَهُ مَوْعِظَةٌ مِّن رَّبِّهِ فَانتَهَىٰ فَلَهُ مَا سَلَفَ وَأَمْرُهُ إِلَى اللَّـهِ ۖ وَمَنْ عَادَ فَأُولَـٰئِكَ أَصْحَابُ النَّارِ ۖ هُمْ فِيهَا خَالِدُونَ ﴿٢٧٥﴾ يَمْحَقُ اللَّـهُ الرِّبَا وَيُرْبِي الصَّدَقَاتِ ۗ وَاللَّـهُ لَا يُحِبُّ كُلَّ كَفَّارٍ أَثِيمٍ ﴿٢٧٦﴾ إِنَّ الَّذِينَ آمَنُوا وَعَمِلُوا الصَّالِحَاتِ وَأَقَامُوا الصَّلَاةَ وَآتَوُا الزَّكَاةَ لَهُمْ أَجْرُهُمْ عِندَ رَبِّهِمْ وَلَا خَوْفٌ عَلَيْهِمْ وَلَا هُمْ يَحْزَنُونَ ﴿٢٧٧﴾ يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّـهَ وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ ﴿٢٧٨﴾ فَإِن لَّمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِّنَ اللَّـهِ وَرَسُولِهِ ۖ وَإِن تُبْتُمْ فَلَكُمْ رُءُوسُ أَمْوَالِكُمْ لَا تَظْلِمُونَ وَلَا تُظْلَمُونَ ﴿٢٧٩﴾ وَإِن كَانَ ذُو عُسْرَةٍ فَنَظِرَةٌ إِلَىٰ مَيْسَرَةٍ ۚ وَأَن تَصَدَّقُوا خَيْرٌ لَّكُمْ ۖ إِن كُنتُمْ تَعْلَمُونَ ﴿٢٨٠﴾ وَاتَّقُوا يَوْمًا تُرْجَعُونَ فِيهِ إِلَى اللَّـهِ ۖ ثُمَّ تُوَفَّىٰ كُلُّ نَفْسٍ مَّا كَسَبَتْ وَهُمْ لَا يُظْلَمُونَ ﴿٢٨١

    QURAN 2:274
    Those who spend their wealth [in Allah 's way] by night and by day, secretly and publicly - they will have their reward with their Lord. And no fear will there be concerning them, nor will they grieve.

    QURAN 2:275
    Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan into insanity. That is because they say, "Trade is [just] like interest." But Allah has permitted trade and has forbidden interest. So whoever has received an admonition from his Lord and desists may have what is past, and his affair rests with Allah . But whoever returns to [dealing in interest or usury] - those are the companions of the Fire; they will abide eternally therein.

    QURAN 2:276
    Allah destroys interest and gives increase for charities. And Allah does not like every sinning disbeliever.

    QURAN 2:277
    Indeed, those who believe and do righteous deeds and establish prayer and give zakah will have their reward with their Lord, and there will be no fear concerning them, nor will they grieve.

    QURAN 2:278
    O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers.

    QURAN 2:279
    And if you do not, then be informed of a war [against you] from Allah and His Messenger. But if you repent, you may have your principal - [thus] you do no wrong, nor are you wronged.

    QURAN 2:280
    And if someone is in hardship, then [let there be] postponement until [a time of] ease. But if you give [from your right as] charity, then it is better for you, if you only knew.

    QURAN 2:281
    And fear a Day when you will be returned to Allah . Then every soul will be compensated for what it earned, and they will not be treated unjustly.

  2. وَلِلَّـهِ مَا فِي السَّمَاوَاتِ وَمَا فِي الْأَرْضِ ۚ يَغْفِرُ لِمَن يَشَاءُ وَيُعَذِّبُ مَن يَشَاءُ ۚ وَاللَّـهُ غَفُورٌ رَّحِيمٌ ﴿١٢٩﴾ يَا أَيُّهَا الَّذِينَ آمَنُوا لَا تَأْكُلُوا الرِّبَا أَضْعَافًا مُّضَاعَفَةً ۖ وَاتَّقُوا اللَّـهَ لَعَلَّكُمْ تُفْلِحُونَ ﴿١٣٠﴾ وَاتَّقُوا النَّارَ الَّتِي أُعِدَّتْ لِلْكَافِرِينَ ﴿١٣١﴾ وَأَطِيعُوا اللَّـهَ وَالرَّسُولَ لَعَلَّكُمْ تُرْحَمُونَ ﴿١٣٢

    QURAN 3:129
    And to Allah belongs whatever is in the heavens and whatever is on the earth. He forgives whom He wills and punishes whom He wills. And Allah is Forgiving and Merciful.

    QURAN 3:130
    O you who have believed, do not consume usury, doubled and multiplied, but fear Allah that you may be successful.

    QURAN 3:131
    And fear the Fire, which has been prepared for the disbelievers.

    QURAN 3:132
    And obey Allah and the Messenger that you may obtain mercy.

  3. فَبِظُلْمٍ مِّنَ الَّذِينَ هَادُوا حَرَّمْنَا عَلَيْهِمْ طَيِّبَاتٍ أُحِلَّتْ لَهُمْ وَبِصَدِّهِمْ عَن سَبِيلِ اللَّـهِ كَثِيرًا ﴿١٦٠﴾ وَأَخْذِهِمُ الرِّبَا وَقَدْ نُهُوا عَنْهُ وَأَكْلِهِمْ أَمْوَالَ النَّاسِ بِالْبَاطِلِ ۚ وَأَعْتَدْنَا لِلْكَافِرِينَ مِنْهُمْ عَذَابًا أَلِيمًا ﴿١٦١

    QURAN 4:160
    For wrongdoing on the part of the Jews, We made unlawful for them [certain] good foods which had been lawful to them, and for their averting from the way of Allah many [people],

    QURAN 4:161
    And [for] their taking of usury while they had been forbidden from it, and their consuming of the people's wealth unjustly. And we have prepared for the disbelievers among them a painful punishment.

  4. أَوَلَمْ يَرَوْا أَنَّ اللَّـهَ يَبْسُطُ الرِّزْقَ لِمَن يَشَاءُ وَيَقْدِرُ ۚ إِنَّ فِي ذَٰلِكَ لَآيَاتٍ لِّقَوْمٍ يُؤْمِنُونَ ﴿٣٧﴾ فَآتِ ذَا الْقُرْبَىٰ حَقَّهُ وَالْمِسْكِينَ وَابْنَ السَّبِيلِ ۚ ذَٰلِكَ خَيْرٌ لِّلَّذِينَ يُرِيدُونَ وَجْهَ اللَّـهِ ۖ وَأُولَـٰئِكَ هُمُ الْمُفْلِحُونَ ﴿٣٨﴾ وَمَا آتَيْتُم مِّن رِّبًا لِّيَرْبُوَ فِي أَمْوَالِ النَّاسِ فَلَا يَرْبُو عِندَ اللَّـهِ ۖ وَمَا آتَيْتُم مِّن زَكَاةٍ تُرِيدُونَ وَجْهَ اللَّـهِ فَأُولَـٰئِكَ هُمُ الْمُضْعِفُونَ ﴿٣٩

    QURAN 30:37
    Do they not see that Allah extends provision for whom He wills and restricts [it]? Indeed, in that are signs for a people who believe.

    QURAN 30:38
    So give the relative his right, as well as the needy and the traveler. That is best for those who desire the countenance of Allah , and it is they who will be the successful.

    QURAN 30:39
    And whatever you give for interest to increase within the wealth of people will not increase with Allah . But what you give in zakah, desiring the countenance of Allah - those are the multipliers.

  5. PROPHET MUHAMMAD (ﷺ) said:
    There are seventy degrees of interest, the least of which is equivalent to a man having intercourse with his mother.

    1. (SUNAN IBN MAJAH Vol #3, Hadith #2274)

  6. PROPHET MUHAMMAD (ﷺ) said:
    A dirham which a man consumes as riba knowingly is worse before Allah than thirty-six acts of zina (adultery/fornication).

    1. (MUSNAD AHMAD Hadith #21450)
    2. (SAHIH AL JAMI Hadith #3375)
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  7. Narrated: Jabir
    "The Messenger of Allah (ﷺ) cursed
    1) The one who consumes Riba (Interest) and
    2) The one who pays it,
    3) The one who writes it down
    4) And the two who witness it,"
    And he (ﷺ) said: "They are all the same."

    1. (SAHIH MUSLIM Vol #4, Hadith #4093)
    2. (SAHIH MUSLIM Vol #4, Hadith #4092)
    3. (SAHIH BUKHARI Vol #3, Hadith #2086)
    4. (SAHIH BUKHARI Vol #3, Hadith #2238)
    5. (SAHIH BUKHARI Vol #7, Hadith #5347)
    6. (SAHIH BUKHARI Vol #7, Hadith #5945)
    7. (SAHIH BUKHARI Vol #7, Hadith #5962)
    8. (SUNAN TIRMIDHI Vol #3, Hadith #1206)
    9. (SUNAN IBN MAJAH Vol #3, Hadith #2277)
    10. (SUNAN ABU DAWUD Vol #4, Hadith #3333)
    11. (SUNAN NASAI Vol #6, Hadith #5105-5108)
    12. (SUNAN NASAI Vol #4, Hadith #3445)
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  8. PROPHET MUHAMMAD (ﷺ) said:
    There is no one who deals in interest a great deal (to increase his wealth) but he will end up with little (i.e., his wealth will be decreased).

    1. (SUNAN IBN MAJAH Vol #3, Hadith #2279)

  9. Avoid the seven great destructive sins.
    1) To join partners in worship with Allah;
    2) To practice sorcery;
    3) To kill the life which Allah has forbidden except for a just cause;
    4) To eat up Interest (Riba),
    5) To eat up the property of an orphan;
    6) To give one's back to the enemy and fleeing from the battle-field at the time of fighting and
    7) To accuse chaste women who never even think of anything touching chastity and are good believers.

    1. (SAHIH BUKHARI Vol #4, Hadith #2766)
    2. (SAHIH BUKHARI Vol #8, Hadith #6857)
    3. (SAHIH MUSLIM Vol #1, Hadith 3262)
    4. (SUNAN NASAI Vol #4, Hadith #3701)
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