72 TM. Riba / The Increase. What Al-Quran says about MUHAMMAD SHAIKH COMPILER. About the Author. PUBLISHED BY IIPC, 27th January 2007

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1 About the booklet About the Author This is a lecture reference booklet. Compiled by Muhammad Shaikh. It is in accordance with the lecture of the same topic. It contains the Quranic verses which are collected from The Quran under the topic set by the speaker with the help of Allah. He recites these verses during the course of the lecture and read their translation to establish an understanding of the verses. Inside the booklet on the one side are the Arabic verses and on the corresponding page are their translation in English language. Reference booklets are available on other topics. Also in Urdu language. Please visit ABOUT MUHAMMAD SHAIKH IDENTIFY YOUR GOD 1. Interview of Muhammad Shaikh 21. Gods & Allah (1995, 2008) by Rehan Allahwala (2011) 22. Devil - Satan (1996, 2004) 2. How Muhammad Shaikh took the Journey of Guidance from CHOSEN PERSONALITIES The Quran? (2010) 23. The Vision of Abraham pbuh 3. Life Attempt on Muhammad (1994, 2011) Shaikh (2005) 24. The Book of Moses pbuh 4. Visit to Jabal e Noor by (1996, 2011) Muhammad Shaikh (2006) 25. Mary pbuh (2008) 5. Umrah & Hajj performed 26. Is Mary pbuh the only parent of by Muhammad Shaikh Jesus pbuh? (2013) 6. Khatam e Quran Dua by Muhammad 27. Christ Jesus pbuh Shaikh ( onwards) (1993, 2004, 2011) 7. Dawah training of global students 28. Prophecies of Jesus pbuh Life and by Ahmed Deedat. Death - A Comparative View (2013) 29. Mohammad pbuh (1992, 2004) 30. Mountain of Moses pbuh Tur / conditioned with Sineen / supports of rocks (2016) DISCUSSIONS 11. Debate b/w Muhammad Shaikh & Somali Imams (2013) 12. Discussion b/w Pastor Jeffery Wright & Muhammad Shaikh (2013) 13. Discussion of Muhammad Shaikh with Americans (2013) 14. Discussion of Muhammad Shaikh with Canadians (2013) 15. Muhammad Shaikh Encounters Ahmadi Muslims in Canada Mohammad Shaikh is a public speaker on Islam and comparative religion. His lectures are based on Qur anic textual inflection which serve to remove numerous misconceptions, present authentic Islamic beliefs and appeal for a rational and objective analysis of the Qur an based on it's own internal evidence. Without taking political or sectarian sides, he calls people to understand and analyze what the Qur an has to say about a subject first and foremost, as it is the Qur an which is Islam s principal authoritative text and Allah s word and revelation to humankind. IIPC CANADA INC. Suite 201, 7045 Edwards Blvd. Mississauga, ON L5S 1X2 Canada info@iipccanada.com Sunnah / Practice (2004) 38. The Wisdom (2008) 39. Holy Ghost / Spirit (2008) 40. The Languages (2008) 41. The Guidance (2009) KNOW YOURSELF 51. Imam / Leader (2012) 52. Khalifa / Successor (2012) 53. Aulia / Protectors (2006) 54. Muslim / Submitter (1991, 2004) 55. People of The Book (1992, 2007) 56. Children of Israel (1997, 2011) 57. Sects 58. Hypocrites 59. Jews and Christians (2008) FAMILY LIFE 61. Hijab / Veil (2006) 62. Marriage (2009) 63. Husband And Wife Relationship (2006) 64. Obscenity (2008) 65. Divorce (2009) 66. Parent & Children Relationship (2009) BOOK OF ALLAH / GOD 31. The Book (1992, 2006) 32. AL-Qur an / The Reading (1991, 2007) 33. Is the Qur an word of God? (2013) 34. Torah & Gospel (2007) 35. Zaboor / Psalms (2008) HOW TO MANAGE MONEY 36. Hadith / Narration (2005) 71. Zakah / The Justification (2007) Follow us on 72. Riba / The Increase (2007, 2011) 73. Inheritance DIRECTION OF BELIEF 81. Islam / To attain peace (1991, 2004) 82. Religion of Abraham pbuh (2009) 83. Upright Straight path (2012) 84. Intercession (2009) 85. Kabah / The House of Allah (1992, 2009) 86. Masajid / Mosques (2012) 87. Salah / The Prayer (2008) 88. The Sacred Months (2007) 89. The Fasting (2008) 90. Umrah and Hajj / Pilgrimage (2012) GOVERN OURSELVES BY THE GOVERNING VERSES 91. Jihad / The Strive (2007) 92. Harab / The War (2007) 93. Qatal / Physical Killing (2005) 94. Qatal-un-Nafs / Psychological Killing (2009) 95. Terrorism (2007) 96. Qisaas / Requital (2012) 97. Consolation of Psychological Hurts (2012) More info 72 TM What Al-Quran says about Riba / The Increase COMPILER MUHAMMAD SHAIKH is a registered trademark of the International Islamic Propagation Centre Copyright 2014 IIPC. All rights reserved. TM PUBLISHED BY IIPC, 27th January 2007

2 INTRODUCTION The aim of this booklet is to introduce the reader to the topic from the Qur an. It can be studied on its own and it also complements the video lecture of the same topic which accompanies it. The booklet contains ayaat (Qura nic verses) pertaining to the topic as discussed in the video lecture in a question and answer format. Questions are raised, and their answers are given by the ayaat. The ordering and numbering of the ayaat corresponds with those on the lecture which can be downloaded from the video lectures section of IIPC website: The Qura nic references provided herein are not exhaustive but offer the core essence of the subject. The references that have been excluded in this publication can be researched using any good concordance and it will be discovered that the selection introduced in this publication will harmonize the entire sequence. It is hoped that Muslim readers will memorize these ayaat along with their Arabic text and engage in Da wah (propagation of Islam) to their friends and colleagues, and also be able to recite the same in their Salah (prayer). In this manner, the booklet becomes a useful tool for everyday Muslim practice - Insha Allah. Translations of ayaat are by Mohammad Shaikh, any questions, comments or suggestions regarding the topic are welcomed via info@iipccanada.com ABOUT INTERNATIONAL ISLAMIC PROPAGATION CENTER. International Islamic Propagation Center (IIPC) is a Da wah organization that aims to promote Al-Qur an, the Book of Allah. IIPC was founded by Mohammad Shaikh in 1985 at Karachi, Pakistan. However, IIPC's current location is Mississauga, Canada as a registered charitable organization. Since then it invites people of all faiths and beliefs to understand and appreciate Al-Qur an through lectures delivered by Mohammad Shaikh, and strives to reach the masses by means of events, print publications, electronic media productions, internet TV broadcasts and website. The center endeavors to propagate Al-Islam in its pristine form based on the ayaat (signs) of Allah and the general public can benefit from its activities by means of the free of cost learning materials and direct consultations with the speaker on understanding and practices of Al-Qur an in their daily lives. The center has no political or sectarian affiliation and is run Fi-sabeel Allah solely on a charitable basis. We request all Muslims to join hands with us in the cause of Allah and support our mission of Da wah i.e. invitation of Al-Islam to the masses of the world.

3 READ! WITH THE NAME OF YOUR LORD AL-QUR'AN THE BOOK OF ALLAH. JUST TWO AYATS / VERSES OUT OF OVER 6,000 FROM AL-QURAN. And We have made the Qur'an easy to understand and remember. Is there anyone that will receive admonition? Al-Qamar 54:17 THE HOLY AL-QUR'AN * A PROCLAMATION TO HUMANITY * A FOUNTAIN OF MERCY AND WISDOM. * A WARNING TO THE HEEDLESS. * A GUIDE TO THE ASTRAY. * AN ASSURANCE TO DOUBTFUL. * A SOLACE TO THE SUFFERING. * A HOPE TO THOSE IN DESPAIR. Do they not ponder over the Qur'an? If it had been from other than Allah, surely there would have found many contradictions in it. Al-Nisa 4:82 Our Motto And when Allah took the charter of those who are given Al-Kitab / The Book that you would make it clear for mankind and you will not keep it secret then they threw it behind their backs and purchase with it a little value so what a miserable purchase. Aal-e-imran 3:187

4 1. A. WEBSTER DICTIONARY MEANING USURY: An excessive amount or rate of interest especially in excess of the legal rate. B. Practice of lending money at end excessive rate of interest. 2. INTEREST: A. Any amount sum paid or charged for the use of money or for borrowing money. B. Something added above in exact equivalent. 3. USURER: A person / individual who lends money with usury or interest. ACCORDING TO BIBLE, JEWS AND CHRISTIANS FAITH. EXODUS 22:25 If you lend money to any of my people that is poor by thee, thou shall not be to him as an usurer, neither shall thou lay upon him usury. EZEKIEL 18:8 He that has not given forth upon usury, neither has taken any increase, that has withdrawn his hand from iniquity, has executed true judgement between man and man. NEHEMIAH 5:7 Then I consulted with myself, and I rebuked the nobles, and the rulers, and said unto them, ye exact usury, everyone of his brother. And I said a great assembly against them. 1 2

5 ACCORDING TO GOOD NEWS BIBLE JEWS AND CHRISTIANS FAITH. DEUTERONOMY 20: When you go to attack a city, first give its people a chance to surrender. If they open the gates and surrender, they are all to become your slaves and do forced labour for you. But if the people of that city will not surrender, but choose to fight, surround it with your army. 13. Then, when the Lord your God lets you capture the city, kill every man in it. 14. You may, however, take for yourselves the women, the children, the livestock, and everything that belongs to your enemies. The Lord has given it to you. 15. That is how you are to deal with those cities that are far away from the land you will settle in. AL-ANFAL And know that surely whatever ghanim / profit you get from anything, if you believe in Allah then surely 1/5th of it (sadqa / charity)is for Allah / God and for Rasool / the messenger and for qurba / the relatives and for yatama / the orphans and for masakeen / the needy (who are reduced to poverty) and for ibn-e-sabeel / the sons of the way and whatever We sent down over Our servant on the day of the division, the day when the two accumulations are met / collected (i.e. 1/5th of the ghanim / profit). And Allah has power over everything. 69. Then eat from your (4/5th of the) ghanim / profit which is halal / lawful, tayyab / good and take guard of Allah. Surely Allah is Forgiving, Merciful. 3 4

6 AL-HASHR Whatever Allah has bestowed (i.e. the 1/5th of the ghanim / profit and any amount according to the means) from the people of the cities over His messenger then it (sadqa / charity) is for Allah / God and for rasool / the messenger and for qurba / the relatives and for yatama / the orphans and for masakeen / the needy (who are reduced to poverty) and for ibn-e-sabeel / the sons of the way so that it may not be a thing taken in turns amongst the rich from you and whatever the messenger gives you so take it and whatever he forbids you about it, so forbid. And take guard of Allah. Surely Allah is strong in pursuit. 8. AL-HASHR 59 It (sadqa / the charity) is for fuqra muhajireen / the poor migrants who are expelled from their circles and their wealth, seeking the bounty from Allah and good pleasure and helping Allah and His messenger, they are those who are truthful. 9. And it (sadqa / the charity) is for those who are settlers of the circle and of the belief (who migrated) from before them they love whosoever migrates towards them and they do not find in their chest any need for what they are given and they do not have any effect over themselves even if poverty is with them. And whosoever is guarded against the stinginess of his soul, then they are those who are prosperous. 5 6

7 SADQA / CHARITY IS THE 1/5TH OF GHANIM / PROFIT FOR THE ZAKAH / JUSTIFICATION OF YOUR WEALTH TO BE DISTRIBUTED AMONG THE FOLLOWING CATEGORIES. CATEGORIES. 1. For Allah / God. 2. For Rasool / the messenger. 3. For Ibn-e-sabeel / the sons of the way For Fuqra muhajireen / the poor migrants,(who migrates to the circle and to the belief). For Fuqra muhajireen / the poor migrants (who are settlers of the circle and of the belief). 6. For Qurba / the relatives. AL-MUJADALAH O you who believe! When you consult the messenger then advance sadqa / the charity that is between two hands of your consultation. (i.e. any amount according to your means) That is better and purer for you, so if you do not find (to advance sadqa / charity) Then surely Allah is Forgiving, Merciful. AL-HUMAZA Who accumulates and count it. MLP 7. For Yatama / the orphans. 8. For Masakeen / the needy (who are reduced to poverty). 7 8

8 AN-NISA 4 P AL-BAQARA And they took Ar-Riba / The Increase (i.e. 1/5th of the ghanim / profit) and without doubt they were prohibited about it. And they ate the money of the people (of the categories) with falsehood and for the rejecters from them We have prepared a painful punishment. AAL-E-IMRAN O you who believe! Do not eat / consume Ar-Riba / The Increase, (i.e. 1/5th of the ghanim / profit) double redouble and take guard of Allah so that you may prosper. O 278. O' you who believe! Take guard of Allah and leave off what remains from Ar-Riba / The Increase (i.e.1/5th of the ghanim / profit), if you are believers. AR-ROOM And what you give from Riba / Increase (i.e. 1/5th of the ghanim / profit), to increase in the wealth of people (the categories) then it does not increase in the nearness of Allah and what you give from Zakah / the justification (Sadqa / Charity i.e. 1/5th of the ghanim / profit), intending the face of Allah so they are those who get manifolds. OL 9 10

9 AL-BAQARA 2 N MUHAMMAD 47 PS 280. And if he is in difficulties, (who eats Ar-Riba / The Increase) then respite is given to him towards easiness and that you give sadqa / charity, (i.e.1/5th of the ghanim / profit) that is better for you if you would have known. 36. Surely the life of this world is play and distraction. And if you believe and take guard, He will give you, your wages, and He does not ask you of your wealth (i.e. 4/5th of the ghanim / profit) Allah cancel Ar-Riba / The Increase (i.e. 1/5th of the ghanim / profit), and increases sadaqat / the charities (i.e. 1/5th of the ghanim / profit), and Allah does not love any rejecter, sinner. 37. If He asks you of it (i.e. 4/5th of the ghanim / profit of your wealth), then press you, you would be stingy and He will bring out your (secret) hates

10 AL-BAQARA 2 N AL-BAQARA Those who eat / consume Ar-Riba / The Increase (i.e.1/5th of the ghanim / profit) cannot stand except like the one who stands to madness from the touch of shaitaan / satan. That is because they say that Al-bai / the deal (i.e. interest of the bank) is the example of Ar-Riba / The Increase (i.e. 1/5th of the ghanim / profit). And Allah has made Al-bai / the deal (i.e. interest of the bank) lawful and has made Ar-Riba / The Increase (i.e. 1/5th of the ghanim / profit) unlawful so to whom comes the sermon from his Lord then he prohibits, that is past for him. And his order is towards Allah. And whosoever returns (to eat Ar-Riba / The Increase i.e. 1/5th of the ghanim / profit), then they are the companions of the fire, they will abide in it Then if you do not, (leave off, what remains from Ar-Riba / The Increase i.e. 1/5th of the ghanim / profit), so take a notice of war from Allah and His messenger. And if you turn back, so the heads of your wealth are for you. (i.e.4/5th of the ghanim / profit) You do not oppress and you will not be oppressed. MUHAMMAD You are those who are invited to spend in the way of Allah (i.e. 1/5th of the ghanim / profit), there are amongst you who are stingy and whosoever is stingy then surely he is stingy about his own self / soul. And Allah is sufficient / rich, and you are poor. And if you turn back, He will exchange another people instead of you then they will not be of your examples. PS 13 14

11 Q AL-MAIDA Surely the reward of those who wage war against Allah and His messenger and they move around in the earth to cause corruption, is that they will be killed, or they will be crucified, or their hands and feet will be cut off from the opposite sides or they will be exiled from the land. For them that is a disgrace in this world and in the hereafter is a great punishment for them. 34. Except those who repented / turned from before you (i.e. believers) evaluate / gain power over them (by guiding them that how Allah has accepted their repentance). Then surely know that Allah is Forgiving, Merciful. 15 AL-BAQARA The example of those who spend in the way of Allah th (i.e. 1/5 of the ghanim / profit and any amount according to the means for the consultation of the messenger) is like the example of a grain that grows 7 ears (i.e. parts of grain) in every ear (i.e. a part of grain) are 100 grains. And Allah multiplies for whom He wills. And Allah is Spacious, Knowledgeable. POINT. From this example we come to know that if we spend 1 unit in the way of Allah then He will multiply for us 700 times in return. 16

12 A- NAMES OF DICTIONARIES 1. Arabic - English Dictionary by Hans Wehr Edited by J.M. Cowan Page no Arabic - English dictionary by F. Steingass Page no 765 Questions & Answers Q2.Can you give the names of dictionaries from where you have translated the meaning of Riba as increase? A- NAMES OF DICTIONARIES 1. Arabic - English Dictionary by Hans Wehr Edited by J.M. Cowan Page no Arabic - English dictionary by F. Steingass Page no 400 The word is also translated as increase in the ayat AR-ROOM 30:39 AL-BAQARA 2:276 Q1. In surah Anfal 8:41 all the translators have translated the word Ghanim as booty since you are translating this word as profit Can you give the names of the dictionaries where it is translated as profit? 17 18

13 AL-HUMAZA 104 MLP 2. Who accumulates and count it. AN-NASR 110 MML 1. When the help and opening / victory of Allah came. 2. And you saw the people entering in the judgement of Allah in troops. Q3. In surah Anfal 8:41 the word Jamaan which you translated as two accumulations where as all other translators have translated it as two forces / troops / combatants. Can you justify your translation of the word Jamaan as two accumulations from any other ayat? 19

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