Riba (Usury) : Permissible or forbidden in Islam?

Riba is on monetary transaction relating to “loans” and “credits”. A simple example of loan is when Lender gives $1000 to a Debtor with an agreement that Debtor will return $1200 on specified date. Hence, the Lender will receive extra $200 (either as his service fee, rent, income, or reward for lending money for stated time period). This extra $200 is absolute form of Riba in Islamic Shariah.

 

Contents:
a) Prohibition from Quran.
b) Prohibition from Ahadith.
c) Detailed Explanation of RIBA on Exchange & Selling.
d) Punishment for consuming Riba(Interest).
e) Working in Riba(Interest) based Banks.
f) Prohibition of Riba(Interest) in DarAl-Harb(Non-Islamic State).
g) Ruling on Borrowing a Loan from Riba based Banks.

riba_01

Prohibition from Quran.

 

Proof-1
Allah Says,
يَـٰٓأَيُّهَا ٱلَّذِينَ ءَامَنُواْ لَا تَأۡڪُلُواْ ٱلرِّبَوٰٓاْ أَضۡعَـٰفً۬ا مُّضَـٰعَفَةً۬‌ۖ وَٱتَّقُواْ ٱللَّهَ لَعَلَّكُمۡ تُفۡلِحُونَ وَٱتَّقُواْ ٱلنَّارَ ٱلَّتِىٓ أُعِدَّتۡ لِلۡكَـٰفِرِينَ
”O you who believe! Do not consume Riba (Interest/usury) doubled and multiplied, but fear Allah that you may be successful. And fear the Fire, which is prepared for the disbelievers.”(Surah Al-Imran Verse-130,131)

Proof-2
Allah Says,
ٱلَّذِينَ يَأۡڪُلُونَ ٱلرِّبَوٰاْ لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ ٱلَّذِى يَتَخَبَّطُهُ ٱلشَّيۡطَـٰنُ مِنَ ٱلۡمَسِّ‌ۚ ذَٲلِكَ بِأَنَّهُمۡ قَالُوٓاْ إِنَّمَا ٱلۡبَيۡعُ مِثۡلُ ٱلرِّبَوٰاْ‌ۗ وَأَحَلَّ ٱللَّهُ ٱلۡبَيۡعَ وَحَرَّمَ ٱلرِّبَوٰاْ‌ۚ فَمَن جَآءَهُ ۥ مَوۡعِظَةٌ۬ مِّن رَّبِّهِۦ فَٱنتَهَىٰ فَلَهُ ۥ مَا سَلَفَ وَأَمۡرُهُ ۥۤ إِلَى ٱللَّهِ‌ۖ وَمَنۡ عَادَ فَأُوْلَـٰٓٮِٕكَ أَصۡحَـٰبُ ٱلنَّارِ‌ۖ هُمۡ فِيہَا خَـٰلِدُونَ
”Those who eat Riba will not stand (on the Day of Resurrection) except like the standing of a person beaten by Shaytan leading him to insanity. That is because they say: “Trading is only like Riba,” whereas Allah has permitted trading and forbidden Riba. So whosoever receives an admonition from his Lord and stops eating Riba, shall not be punished for the past; his case is for Allah (to judge); but whoever returns (to Riba), such are the dwellers of the Fire ? they will Abide therein”(Surah Baqarah-2 Verse-275)
Comment:-Here Allah(Subhan Wa’tala) made it clear that “Trade” and “Riba” are not same, and that He forbade “Riba” and allowed “Trade”.

Proof-3
Allah Says,
وَأَخۡذِهِمُ ٱلرِّبَوٰاْ وَقَدۡ نُہُواْ عَنۡهُ وَأَكۡلِهِمۡ أَمۡوَٲلَ ٱلنَّاسِ بِٱلۡبَـٰطِلِ‌ۚ وَأَعۡتَدۡنَا لِلۡكَـٰفِرِينَ مِنۡہُمۡ عَذَابًا أَلِيمً۬ا
”And their taking of Riba though they were forbidden from taking it and their devouring men’s substance wrongfully. And we have prepared for the disbelievers among them a painful torment.”(Surah Nisa-4 Verses-161)

Proof-4
Allah Says,
وَمَآ ءَاتَيۡتُم مِّن رِّبً۬ا لِّيَرۡبُوَاْ فِىٓ أَمۡوَٲلِ ٱلنَّاسِ فَلَا يَرۡبُواْ عِندَ ٱللَّهِ‌ۖ وَمَآ ءَاتَيۡتُم مِّن زَكَوٰةٍ۬ تُرِيدُونَ وَجۡهَ ٱللَّهِ فَأُوْلَـٰٓٮِٕكَ هُمُ ٱلۡمُضۡعِفُونَ
”And that which you give in Riba in order that it may increase from other people’s property, has no increase with Allah; but that which you give in Zakah seeking Allah’s Face, then those they shall have manifold increase.”(Surah Rum-30 Verse-39)

Proof-5
Allah Says,
يَمۡحَقُ ٱللَّهُ ٱلرِّبَوٰاْ وَيُرۡبِى ٱلصَّدَقَـٰتِ‌ۗ وَٱللَّهُ لَا يُحِبُّ كُلَّ كَفَّارٍ أَثِيمٍ
”Allah will destroy Riba and will give increase for Sadaqat. And Allah likes not the disbelievers, sinners”(Surah Baqarah-2 Verse-276)

Proof-6
Allah Says,
يَـٰٓأَيُّهَا ٱلَّذِينَ ءَامَنُواْ ٱتَّقُواْ ٱللَّهَ وَذَرُواْ مَا بَقِىَ مِنَ ٱلرِّبَوٰٓاْ إِن كُنتُم مُّؤۡمِنِينَ فَإِن لَّمۡ تَفۡعَلُواْ فَأۡذَنُواْ بِحَرۡبٍ۬ مِّنَ ٱللَّهِ وَرَسُولِهِۦ‌ۖ وَإِن تُبۡتُمۡ فَلَڪُمۡ رُءُوسُ أَمۡوَٲلِڪُمۡ لَا تَظۡلِمُونَ وَلَا تُظۡلَمُونَ
”O you who have believed, fear Allah and give up what remains [due to you] of Riba(interest), if you should be believers.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.”(Al-Quran Surah Baqarah-2 Verse-278,279)

riba_02

Prohibition from Ahadith.

 

Proof-7
Narrated Abu Juhaifa:The Prophet forbade the use of the price of blood and the price of a dog, the one who takes (eats) usury the one who gives usury, the woman who practises tattooing and the woman who gets herself tattooed.
حَدَّثَنَا سُلَيْمَانُ بْنُ حَرْبٍ، حَدَّثَنَا شُعْبَةُ، عَنْ عَوْنِ بْنِ أَبِي جُحَيْفَةَ، قَالَ رَأَيْتُ أَبِي فَقَالَ إِنَّ النَّبِيَّ صلى الله عليه وسلم نَهَى عَنْ ثَمَنِ الدَّمِ، وَثَمَنِ الْكَلْبِ، وَآكِلِ الرِّبَا وَمُوكِلِهِ، وَالْوَاشِمَةِ وَالْمُسْتَوْشِمَةِ‏.‏
(Sahih Bukhari(English) reference Vol. 7, Book 72, Hadith 829;Arabic reference: Book 77, Hadith 6009)

Proof-8
Narrated Abu Hurairah:
The Messenger of Allah (Peace be upon him) as saying: Refrain from seven (characteristics) which cause destruction. He was asked: What are they, Messenger of Allah ? He replied: To assign partner to Allah, magic, to kill a soul (man) which is prohibited by Allah except for which is due, to take usury, to consume the property of an orphan, to retreat on the day of the battle, and to slander chaste women, indiscreet but believing.
حَدَّثَنَا أَحْمَدُ بْنُ سَعِيدٍ الْهَمْدَانِيُّ، حَدَّثَنَا ابْنُ وَهْبٍ، عَنْ سُلَيْمَانَ بْنِ بِلاَلٍ، عَنْ ثَوْرِ بْنِ زَيْدٍ، عَنْ أَبِي الْغَيْثِ، عَنْ أَبِي هُرَيْرَةَ، أَنَّ رَسُولَ اللَّهِ صلى الله عليه وسلم قَالَ ‏”‏ اجْتَنِبُوا السَّبْعَ الْمُوبِقَاتِ ‏”‏ ‏.‏ قِيلَ يَا رَسُولَ اللَّهِ وَمَا هُنَّ قَالَ ‏”‏ الشِّرْكُ بِاللَّهِ وَالسِّحْرُ وَقَتْلُ النَّفْسِ الَّتِي حَرَّمَ اللَّهُ إِلاَّ بِالْحَقِّ وَأَكْلُ الرِّبَا وَأَكْلُ مَالِ الْيَتِيمِ وَالتَّوَلِّي يَوْمَ الزَّحْفِ وَقَذْفُ الْمُحْصَنَاتِ الْغَافِلاَتِ الْمُؤْمِنَاتِ ‏”‏ ‏.‏ قَالَ أَبُو دَاوُدَ أَبُو الْغَيْثِ سَالِمٌ مَوْلَى ابْنِ مُطِيعٍ ‏.‏
Grade: Sahih (Al-Albani) صحيح (الألباني) حكم
(Reference : Sunan Abi Dawud 2874;English translation : Book 17, Hadith 2868)

Proof-9
It is reported on the authority of Abu Huraira that the Messenger of Allah (may peace be upon him) observed:Avoid the seven noxious things. It was said (by the hearers): What are they, Messenger of Allah? He (the Holy Prophet) replied: Associating anything with Allah, magic, killing of one whom God has declared inviolate without a just cause, consuming the property of an orphan, and consuming of usury, turning back when the army advances, and slandering chaste women who are believers, but unwary.
حَدَّثَنِي هَارُونُ بْنُ سَعِيدٍ الأَيْلِيُّ، حَدَّثَنَا ابْنُ وَهْبٍ، قَالَ حَدَّثَنِي سُلَيْمَانُ بْنُ بِلاَلٍ، عَنْ ثَوْرِ بْنِ زَيْدٍ، عَنْ أَبِي الْغَيْثِ، عَنْ أَبِي هُرَيْرَةَ، أَنَّ رَسُولَ اللَّهِ صلى الله عليه وسلم قَالَ ‏”‏ اجْتَنِبُوا السَّبْعَ الْمُوبِقَاتِ ‏”‏ ‏.‏ قِيلَ يَا رَسُولَ اللَّهِ وَمَا هُنَّ قَالَ ‏”‏ الشِّرْكُ بِاللَّهِ وَالسِّحْرُ وَقَتْلُ النَّفْسِ الَّتِي حَرَّمَ اللَّهُ إِلاَّ بِالْحَقِّ وَأَكْلُ مَالِ الْيَتِيمِ وَأَكْلُ الرِّبَا وَالتَّوَلِّي يَوْمَ الزَّحْفِ وَقَذْفُ الْمُحْصَنَاتِ الْغَافِلاَتِ الْمُؤْمِنَاتِ ‏”‏ ‏.‏
(Sahih Muslim(English) reference : Book 1, Hadith 161;Arabic reference : Book 2, Hadith 272)

Proof-10
It was narrated that Safwan bin ‘Assal said:”A Jew said to his companion: ‘Let us go to this Prophet.’ His companion said to him: ‘Do not say Prophet; if he hears you, he will become big-headed.’ So they came to the Messenger of Allah [SAW] and asked him about nine clear signs. He said to them: ‘Do not associate anything with Allah, do not steal, do not commit adultery, do not kill any soul whom Allah has forbidden you to kill, except by right, do not speak falsely about an innocent man before a ruler, do not engage in magic, do not consume Riba (usury), do not slander chaste women, and do not flee on the day of the march (to battle). And for you Jews especially, do not break the Sabbath.’ They kissed his hands and feet and said: ‘We bear witness that you are a Prophet.’ He said: ‘What is keeping you from following me?’ They said: ‘Dawud prayed that there would always be a Prophet among his descendants, and we are afraid that if we follow you, the Jews will kill us.’” (Hasan)(SUNAN NASEEI Vol. 5, Book 1, Hadith 4083)

Proof-11
Narrated Ibn `Umar:`Umar delivered a sermon on the pulpit of Allah’s Apostle, saying, “Alcoholic drinks were prohibited by Divine Order, and these drinks used to be prepared from five things, i.e., grapes, dates, wheat, barley and honey. Alcoholic drink is that, that disturbs the mind.” `Umar added, “I wish Allah’s Apostle had not left us before he had given us definite verdicts concerning three matters, i.e., how much a grandfather may inherit (of his grandson), the inheritance of Al-Kalala (the deceased person among whose heirs there is no father or son), and various types of Riba(1 ) (usury)”
حَدَّثَنَا أَحْمَدُ بْنُ أَبِي رَجَاءٍ، حَدَّثَنَا يَحْيَى، عَنْ أَبِي حَيَّانَ التَّيْمِيِّ، عَنِ الشَّعْبِيِّ، عَنِ ابْنِ عُمَرَ ـ رضى الله عنهما ـ قَالَ خَطَبَ عُمَرُ عَلَى مِنْبَرِ رَسُولِ اللَّهِ صلى الله عليه وسلم فَقَالَ إِنَّهُ قَدْ نَزَلَ تَحْرِيمُ الْخَمْرِ، وَهْىَ مِنْ خَمْسَةِ أَشْيَاءَ الْعِنَبِ وَالتَّمْرِ وَالْحِنْطَةِ وَالشَّعِيرِ وَالْعَسَلِ، وَالْخَمْرُ مَا خَامَرَ الْعَقْلَ، وَثَلاَثٌ وَدِدْتُ أَنَّ رَسُولَ اللَّهِ صلى الله عليه وسلم لَمْ يُفَارِقْنَا حَتَّى يَعْهَدَ إِلَيْنَا عَهْدًا الْجَدُّ وَالْكَلاَلَةُ وَأَبْوَابٌ مِنْ أَبْوَابِ الرِّبَا‏.‏ قَالَ قُلْتُ يَا أَبَا عَمْرٍو فَشَىْءٌ يُصْنَعُ بِالسِّنْدِ مِنَ الرُّزِّ‏.‏ قَالَ ذَاكَ لَمْ يَكُنْ عَلَى عَهْدِ النَّبِيِّ صلى الله عليه وسلم أَوْ قَالَ عَلَى عَهْدِ عُمَرَ‏.‏ وَقَالَ حَجَّاجُ عَنْ حَمَّادٍ عَنْ أَبِي حَيَّانَ مَكَانَ الْعِنَبِ الزَّبِيبَ‏.‏
(Sahih Bukhari English) reference:Vol. 7, Book 69, Hadith 493;Arabic reference :Book 74, Hadith 5647)

riba_03

Detailed Explanation of Riba on Exchange & Selling.

 

Proof-12
Narrated Ibn `Abbas:The last Verse (in the Qur’an) revealed to the Prophet was the Verse dealing with usury (i.e. Riba).
حَدَّثَنَا قَبِيصَةُ بْنُ عُقْبَةَ، حَدَّثَنَا سُفْيَانُ، عَنْ عَاصِمٍ، عَنِ الشَّعْبِيِّ، عَنِ ابْنِ عَبَّاسٍ ـ رضى الله عنهما ـ قَالَ آخِرُ آيَةٍ نَزَلَتْ عَلَى النَّبِيِّ صلى الله عليه وسلم آيَةُ الرِّبَا‏.‏
(Sahih Bukhari(English) reference : Vol. 6, Book 60, Hadith 67;Arabic reference : Book 65, Hadith 4586)

Proof-13
Narrated `Aisha:When the verses of Surat “Al-Baqara”‘ about the usury Riba were revealed, the Prophet went to the mosque and recited them in front of the people and then banned the trade of alcohol.
حَدَّثَنَا عَبْدَانُ، عَنْ أَبِي حَمْزَةَ، عَنِ الأَعْمَشِ، عَنْ مُسْلِمٍ، عَنْ مَسْرُوقٍ، عَنْ عَائِشَةَ، قَالَتْ لَمَّا أُنْزِلَ الآيَاتُ مِنْ سُورَةِ الْبَقَرَةِ فِي الرِّبَا، خَرَجَ النَّبِيُّ صلى الله عليه وسلم إِلَى الْمَسْجِدِ، فَقَرَأَهُنَّ عَلَى النَّاسِ، ثُمَّ حَرَّمَ تِجَارَةَ الْخَمْرِ‏.‏
(Reference : Sahih al-Bukhari 459;(English) reference : Vol. 1, Book 8, Hadith 449)

Proof-14
Narrated Ibn Shihab:that Malik bin Aus said, “I was in need of change for one-hundred Dinars. Talha bin ‘Ubaidullah called me and we discussed the matter, and he agreed to change (my Dinars). He took the gold pieces in his hands and fidgeted with them, and then said, “Wait till my storekeeper comes from the forest.” `Umar was listening to that and said, “By Allah! You should not separate from Talha till you get the money from him, for Allah’s Apostle said, ‘The selling of gold for gold is Riba (usury) except if the exchange is from hand to hand and equal in amount, and similarly, the selling of wheat for wheat is Riba (usury) unless it is from hand to hand and equal in amount, and the selling of barley for barley is usury unless it is from hand to hand and equal in amount, and dates for dates, is usury unless it is from hand to hand and equal in amount”
حَدَّثَنَا عَبْدُ اللَّهِ بْنُ يُوسُفَ، أَخْبَرَنَا مَالِكٌ، عَنِ ابْنِ شِهَابٍ، عَنْ مَالِكِ بْنِ أَوْسٍ، أَخْبَرَهُ أَنَّهُ الْتَمَسَ، صَرْفًا بِمِائَةِ دِينَارٍ، فَدَعَانِي طَلْحَةُ بْنُ عُبَيْدِ اللَّهِ فَتَرَاوَضْنَا، حَتَّى اصْطَرَفَ مِنِّي، فَأَخَذَ الذَّهَبَ يُقَلِّبُهَا فِي يَدِهِ، ثُمَّ قَالَ حَتَّى يَأْتِيَ خَازِنِي مِنَ الْغَابَةِ، وَعُمَرُ يَسْمَعُ ذَلِكَ، فَقَالَ وَاللَّهِ لاَ تُفَارِقُهُ حَتَّى تَأْخُذَ مِنْهُ، قَالَ رَسُولُ اللَّهِ صلى الله عليه وسلم ‏ “‏ الذَّهَبُ بِالذَّهَبِ رِبًا إِلاَّ هَاءَ وَهَاءَ، وَالْبُرُّ بِالْبُرِّ رِبًا إِلاَّ هَاءَ وَهَاءَ، وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلاَّ هَاءَ وَهَاءَ، وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلاَّ هَاءَ وَهَاءَ ‏”‏‏.‏
(Reference : Sahih al-Bukhari 2174;(English) reference : Vol. 3, Book 34, Hadith 382)

Proof-15
Abu Huraira (Allah be pleased with him) reported Allah’s Messenger (may peace be upon him) as saying:Gold is to be paid for by gold with equal weight, like for like, and silver is to be paid for by silver with equal weight, like for like. He who made an addition to it or demanded an addition dealt in usury.
حَدَّثَنَا أَبُو كُرَيْبٍ، وَوَاصِلُ بْنُ عَبْدِ الأَعْلَى، قَالاَ حَدَّثَنَا ابْنُ فُضَيْلٍ، عَنْ أَبِيهِ، عَنِ ابْنِ أَبِي نُعْمٍ، عَنْ أَبِي هُرَيْرَةَ، قَالَ قَالَ رَسُولُ اللَّهِ صلى الله عليه وسلم ‏ “‏ الذَّهَبُ بِالذَّهَبِ وَزْنًا بِوَزْنٍ مِثْلاً بِمِثْلٍ وَالْفِضَّةُ بِالْفِضَّةِ وَزْنًا بِوَزْنٍ مِثْلاً بِمِثْلٍ فَمَنْ زَادَ أَوِ اسْتَزَادَ فَهُوَ رِبًا‏”‏ ‏.‏
(Sahih Muslim(English) reference : Book 10, Hadith 3857;Arabic reference : Book 23, Hadith 4152)

Proof-16
Narrated Abu Sa`id al-Khudri:Once Bilal brought Barni (i.e. a kind of dates) to the Prophet and the Prophet asked him, “From where have you brought these?” Bilal replied, “I had some inferior type of dates and exchanged two Sas of it for one Sa of Barni dates in order to give it to the Prophet; to eat.” Thereupon the Prophet said, “Beware! Beware! This is definitely Riba (usury)! This is definitely Riba (Usury)! Don’t do so, but if you want to buy (a superior kind of dates) sell the inferior dates for money and then buy the superior kind of dates with that money.”
حَدَّثَنَا إِسْحَاقُ، حَدَّثَنَا يَحْيَى بْنُ صَالِحٍ، حَدَّثَنَا مُعَاوِيَةُ ـ هُوَ ابْنُ سَلاَّمٍ ـ عَنْ يَحْيَى، قَالَ سَمِعْتُ عُقْبَةَ بْنَ عَبْدِ الْغَافِرِ، أَنَّهُ سَمِعَ أَبَا سَعِيدٍ الْخُدْرِيَّ ـ رضى الله عنه ـ قَالَ جَاءَ بِلاَلٌ إِلَى النَّبِيِّ صلى الله عليه وسلم بِتَمْرٍ بَرْنِيٍّ فَقَالَ لَهُ النَّبِيُّ صلى الله عليه وسلم ‏”‏ مِنْ أَيْنَ هَذَا ‏”‏‏.‏ قَالَ بِلاَلٌ كَانَ عِنْدَنَا تَمْرٌ رَدِيٌّ، فَبِعْتُ مِنْهُ صَاعَيْنِ بِصَاعٍ، لِنُطْعِمَ النَّبِيَّ صلى الله عليه وسلم فَقَالَ النَّبِيُّ صلى الله عليه وسلم عِنْدَ ذَلِكَ ‏”‏ أَوَّهْ أَوَّهْ عَيْنُ الرِّبَا عَيْنُ الرِّبَا، لاَ تَفْعَلْ، وَلَكِنْ إِذَا أَرَدْتَ أَنْ تَشْتَرِيَ فَبِعِ التَّمْرَ بِبَيْعٍ آخَرَ ثُمَّ اشْتَرِهِ ‏”‏‏.‏
(Reference : Sahih al-Bukhari 2312;(English) reference : Vol. 3, Book 38, Hadith 506)

Proof-17
Abu Sa’id al-Khudri (Allah be pleased with him) reported Allah’s Messenger (may peace be upon him) as saying:Gold is to be paid for by gold, silver by silver, wheat by wheat, barley by barley, dates by dates, salt by salt, like by like, payment being made hand to hand. He who made an addition to it, or asked for an addition, in fact dealt in usury. The receiver and the giver are equally guilty.
حَدَّثَنَا أَبُو بَكْرِ بْنُ أَبِي شَيْبَةَ، حَدَّثَنَا وَكِيعٌ، حَدَّثَنَا إِسْمَاعِيلُ بْنُ مُسْلِمٍ الْعَبْدِيُّ، حَدَّثَنَا أَبُو الْمُتَوَكِّلِ النَّاجِيُّ، عَنْ أَبِي سَعِيدٍ الْخُدْرِيِّ، قَالَ قَالَ رَسُولُ اللَّهِ صلى الله عليه وسلم ‏ “‏ الذَّهَبُ بِالذَّهَبِ وَالْفِضَّةُ بِالْفِضَّةِ وَالْبُرُّ بِالْبُرِّ وَالشَّعِيرُ بِالشَّعِيرِ وَالتَّمْرُ بِالتَّمْرِ وَالْمِلْحُ بِالْمِلْحِ مِثْلاً بِمِثْلٍ يَدًا بِيَدٍ فَمَنْ زَادَ أَوِ اسْتَزَادَ فَقَدْ أَرْبَى الآخِذُ وَالْمُعْطِي فِيهِ سَوَاءٌ ‏”‏ ‏.‏
(Sahih Muslim(English) reference : Book 10, Hadith 3854;Arabic reference : Book 23, Hadith 4148)

Proof-18
Narrated Abu Sa`id:We used to be given mixed dates (from the booty) and used to sell (barter) two Sas of those dates) for one Sa (of good dates). The Prophet said (to us), “No (bartering of) two Sas for one Sa nor two Dirhams for one Dirham is permissible”, (as that is a kind of usury).
حَدَّثَنَا أَبُو نُعَيْمٍ، حَدَّثَنَا شَيْبَانُ، عَنْ يَحْيَى، عَنْ أَبِي سَلَمَةَ، عَنْ أَبِي سَعِيدٍ ـ رضى الله عنه ـ قَالَ كُنَّا نُرْزَقُ تَمْرَ الْجَمْعِ، وَهْوَ الْخِلْطُ مِنَ التَّمْرِ، وَكُنَّا نَبِيعُ صَاعَيْنِ بِصَاعٍ فَقَالَ النَّبِيُّ صلى الله عليه وسلم ‏ “‏ لاَ صَاعَيْنِ بِصَاعٍ، وَلاَ دِرْهَمَيْنِ بِدِرْهَمٍ ‏”‏‏.‏
(Reference : Sahih al-Bukhari 2080;(English) reference : Vol. 3, Book 34, Hadith 294)

Proof-19
Narrated `Aun bin Abu Juhaifa:My father bought a slave who practiced the profession of cupping. (My father broke the slave’s instruments of cupping). I asked my father why he had done so. He replied, “The Prophet forbade the acceptance of the price of a dog or blood, and also forbade the profession of tattooing, getting tattooed and receiving or giving Riba, (usury), and cursed the picture-makers.”
حَدَّثَنَا أَبُو الْوَلِيدِ، حَدَّثَنَا شُعْبَةُ، عَنْ عَوْنِ بْنِ أَبِي جُحَيْفَةَ، قَالَ رَأَيْتُ أَبِي اشْتَرَى عَبْدًا حَجَّامًا، فَسَأَلْتُهُ فَقَالَ نَهَى النَّبِيُّ صلى الله عليه وسلم عَنْ ثَمَنِ الْكَلْبِ، وَثَمَنِ الدَّمِ، وَنَهَى عَنِ الْوَاشِمَةِ وَالْمَوْشُومَةِ، وَآكِلِ الرِّبَا، وَمُوكِلِهِ، وَلَعَنَ الْمُصَوِّرَ‏.‏
(Reference : Sahih al-Bukhari 2086;(English) reference : Vol. 3, Book 34, Hadith 299)

Proof-20
Narrated `Abdullah bin Abu `Aufa:A man displayed some goods in the market and took a false oath that he had been offered so much for them though he was not offered that amount Then the following Divine Verse was revealed:– “Verily! Those who purchase a little gain at the cost of Allah’s covenant and their oaths . . . Will get painful punishment.” (Al-Quran 3:77) Ibn Abu `Aufa added, “Such person as described above is a treacherous Riba eater (i.e. eater of usury).
حَدَّثَنِي إِسْحَاقُ، أَخْبَرَنَا يَزِيدُ بْنُ هَارُونَ، أَخْبَرَنَا الْعَوَّامُ، قَالَ حَدَّثَنِي إِبْرَاهِيمُ أَبُو إِسْمَاعِيلَ السَّكْسَكِيُّ، سَمِعَ عَبْدَ اللَّهِ بْنَ أَبِي أَوْفَى ـ رضى الله عنهما ـ يَقُولُ أَقَامَ رَجُلٌ سِلْعَتَهُ فَحَلَفَ بِاللَّهِ لَقَدْ أُعْطِيَ بِهَا مَا لَمْ يُعْطَهَا فَنَزَلَتْ ‏{‏إِنَّ الَّذِينَ يَشْتَرُونَ بِعَهْدِ اللَّهِ وَأَيْمَانِهِمْ ثَمَنًا قَلِيلاً‏}‏ وَقَالَ ابْنُ أَبِي أَوْفَى النَّاجِشُ آكِلُ رِبًا خَائِنٌ‏.‏
(Reference : Sahih al-Bukhari 2675;(English) reference : Vol. 3, Book 48, Hadith 841)

Proof-21
Narrated Abu Sa`id Al-Khudri and Abu Huraira:Allah’s Apostle appointed somebody as a governor of Khaibar. That governor brought to him an excellent kind of dates (from Khaibar). The Prophet asked, “Are all the dates of Khaibar like this?” He replied, “By Allah, no, O Allah’s Apostle! But we barter one Sa of this (type of dates) for two Sas of dates of ours and two Sas of it for three of ours.” Allah’s Apostle said, “Do not do so (as that is a kind of usury) but sell the mixed dates (of inferior quality) for money, and then buy good dates with that money.”
حَدَّثَنَا قُتَيْبَةُ، عَنْ مَالِكٍ، عَنْ عَبْدِ الْمَجِيدِ بْنِ سُهَيْلِ بْنِ عَبْدِ الرَّحْمَنِ، عَنْ سَعِيدِ بْنِ الْمُسَيَّبِ، عَنْ أَبِي سَعِيدٍ الْخُدْرِيِّ، وَعَنْ أَبِي هُرَيْرَةَ ـ رضى الله عنهما ـ أَنَّ رَسُولَ اللَّهِ صلى الله عليه وسلم اسْتَعْمَلَ رَجُلاً عَلَى خَيْبَرَ، فَجَاءَهُ بِتَمْرٍ جَنِيبٍ، فَقَالَ رَسُولُ اللَّهِ صلى الله عليه وسلم ‏”‏ أَكُلُّ تَمْرِ خَيْبَرَ هَكَذَا ‏”‏‏.‏ قَالَ لاَ وَاللَّهِ يَا رَسُولَ اللَّهِ، إِنَّا لَنَأْخُذُ الصَّاعَ مِنْ هَذَا بِالصَّاعَيْنِ، وَالصَّاعَيْنِ بِالثَّلاَثَةِ‏.‏ فَقَالَ رَسُولُ اللَّهِ صلى الله عليه وسلم ‏”‏ لاَ تَفْعَلْ، بِعِ الْجَمْعَ بِالدَّرَاهِمِ، ثُمَّ ابْتَعْ بِالدَّرَاهِمِ جَنِيبًا ‏”‏‏.‏
(Reference : Sahih al-Bukhari 2201, 2202;English reference : Vol. 3, Book 34, Hadith 405)

Proof-22
Narrated Abu Burda:When I came to Medina. I met `Abdullah bin Salam. He said, “Will you come to me so that I may serve you with Sawiq (i.e. powdered barley) and dates, and let you enter a (blessed) house that in which the Prophet entered?” Then he added, “You are in a country where the practice of Riba (i.e. usury) is prevalent; so if somebody owe you something and he sends you a present of a load of chopped straw or a load of barley or a load of provender then do not take it, as it is Riba.”
حَدَّثَنَا سُلَيْمَانُ بْنُ حَرْبٍ، حَدَّثَنَا شُعْبَةُ، عَنْ سَعِيدِ بْنِ أَبِي بُرْدَةَ، عَنْ أَبِيهِ، أَتَيْتُ الْمَدِينَةَ فَلَقِيتُ عَبْدَ اللَّهِ بْنَ سَلاَمٍ ـ رضى الله عنه ـ فَقَالَ أَلاَ تَجِيءُ فَأُطْعِمَكَ سَوِيقًا وَتَمْرًا، وَتَدْخُلَ فِي بَيْتٍ ثُمَّ قَالَ إِنَّكَ بِأَرْضٍ الرِّبَا بِهَا فَاشٍ، إِذَا كَانَ لَكَ عَلَى رَجُلٍ حَقٌّ فَأَهْدَى إِلَيْكَ حِمْلَ تِبْنٍ، أَوْ حِمْلَ شَعِيرٍ أَوْ حِمْلَ قَتٍّ، فَلاَ تَأْخُذْهُ، فَإِنَّهُ رِبًا‏.‏ وَلَمْ يَذْكُرِ النَّضْرُ وَأَبُو دَاوُدَ وَوَهْبٌ عَنْ شُعْبَةَ الْبَيْتَ‏.‏
(Reference : Sahih al-Bukhari 3814;English reference : Vol. 5, Book 58, Hadith 159)

Proof-23
Yahya related to me from Malik that Yahya ibn Said said, “The Messenger of Allah, mayAllah bless him and grant him peace, ordered the two Sads to sell a vessel made of either gold or silver from the booty. They either sold each three units of weight for four units of weight of coins or each four units of weight for three units of weight or coins. The Messenger of Allah, may Allah bless him and grant him peace, said to them, ‘You have taken usury, so return it.’
حَدَّثَنِي يَحْيَى، عَنْ مَالِكٍ، عَنْ يَحْيَى بْنِ سَعِيدٍ، أَنَّهُ قَالَ أَمَرَ رَسُولُ اللَّهِ صلى الله عليه وسلم السَّعْدَيْنِ أَنْ يَبِيعَا آنِيَةً مِنَ الْمَغَانِمِ مِنْ ذَهَبٍ أَوْ فِضَّةٍ فَبَاعَا كُلَّ ثَلاَثَةٍ بِأَرْبَعَةٍ عَيْنًا أَوْ كُلَّ أَرْبَعَةٍ بِثَلاَثَةٍ عَيْنًا فَقَالَ لَهُمَا رَسُولُ اللَّهِ صلى الله عليه وسلم ‏”‏ أَرْبَيْتُمَا فَرُدَّا
(Muwatta Imam-Malik(English) reference : Book 31, Hadith 28;Arabic reference : Book 31, Hadith 1319)

Proof-24
Yahya related to me from Malik from Nafi from Abdullah ibn Umar that Umar ibn al-Khattab said, “Do not sell gold for gold except like for like, and do not increase one part over another part. Do not sell silver for silver except like for like, and do not increase one part over another part. Do not sell silver for gold, one of them at hand and the other to be given later. If someone seeks to delay paying you until he has been to his house, do not leave him. I fear rama for you.” Rama is usury.
وَحَدَّثَنِي عَنْ مَالِكٍ، عَنْ نَافِعٍ، عَنْ عَبْدِ اللَّهِ بْنِ عُمَرَ، أَنَّ عُمَرَ بْنَ الْخَطَّابِ، قَالَ لاَ تَبِيعُوا الذَّهَبَ بِالذَّهَبِ إِلاَّ مِثْلاً بِمِثْلٍ وَلاَ تُشِفُّوا بَعْضَهَا عَلَى بَعْضٍ وَلاَ تَبِيعُوا الْوَرِقَ بِالْوَرِقِ إِلاَّ مِثْلاً بِمِثْلٍ وَلاَ تُشِفُّوا بَعْضَهَا عَلَى بَعْضٍ وَلاَ تَبِيعُوا الْوَرِقَ بِالذَّهَبِ أَحَدُهُمَا غَائِبٌ وَالآخَرُ نَاجِزٌ وَإِنِ اسْتَنْظَرَكَ إِلَى أَنْ يَلِجَ بَيْتَهُ فَلاَ تُنْظِرْهُ إِنِّي أَخَافُ عَلَيْكُمُ الرَّمَاءَ وَالرَّمَاءُ هُوَ الرِّبَا ‏.‏
(Muwatta Imam-Malik(English) reference : Book 31, Hadith 34;Arabic reference : Book 31, Hadith 1325)

Proof-25
Abu Minhal reported:My partner sold silver to be paid in the (Hajj) season or (in the days of) Hajj. He (my partner) came to me and informed me, and I said to him: Such transaction is not desirable. He said: I sold it in the market (on loan) but nobody objected to this. I went to al-Bara’ b. ‘Azib and asked him, and he said: Allah’s Apostle (may peace be upon him) came to Medina and we made such transaction, whereupon he said: In case the payment is made on the spot, there is no harm in it, and in case (it is ‘sold) on loan, it is usury. You better go to Zaid b. Arqam, for he is a greater trader than I; so I went to him and asked him, and he said like it.
حَدَّثَنَا مُحَمَّدُ بْنُ حَاتِمِ بْنِ مَيْمُونٍ، حَدَّثَنَا سُفْيَانُ بْنُ عُيَيْنَةَ، عَنْ عَمْرٍو، عَنْ أَبِي، الْمِنْهَالِ قَالَ بَاعَ شَرِيكٌ لِي وَرِقًا بِنَسِيئَةٍ إِلَى الْمَوْسِمِ أَوْ إِلَى الْحَجِّ فَجَاءَ إِلَىَّ فَأَخْبَرَنِي فَقُلْتُ هَذَا أَمْرٌ لاَ يَصْلُحُ ‏.‏ قَالَ قَدْ بِعْتُهُ فِي السُّوقِ فَلَمْ يُنْكِرْ ذَلِكَ عَلَىَّ أَحَدٌ ‏.‏ فَأَتَيْتُ الْبَرَاءَ بْنَ عَازِبٍ فَسَأَلْتُهُ فَقَالَ قَدِمَ النَّبِيُّ صلى الله عليه وسلم الْمَدِينَةَ وَنَحْنُ نَبِيعُ هَذَا الْبَيْعَ فَقَالَ ‏ “‏ مَا كَانَ يَدًا بِيَدٍ فَلاَ بَأْسَ بِهِ وَمَا كَانَ نَسِيئَةً فَهُوَ رِبًا ‏”‏ ‏.‏ وَائْتِ زَيْدَ بْنَ أَرْقَمَ فَإِنَّهُ أَعْظَمُ تِجَارَةً مِنِّي ‏.‏ فَأَتَيْتُهُ فَسَأَلْتُهُ فَقَالَ مِثْلَ ذَلِكَ ‏.‏
(Sahih Muslim(English) reference : Book 10, Hadith 3859;Arabic reference : Book 23, Hadith 4155)

Proof-26
Abd Sa’id reported:Bilal (Allah be pleased with him) came with fine quality of dates. Allah’s Messenger (may peace be upon him) said to him: From where (you have brought them)? Bilal said: We had inferior quality of dates and I exchanged two sa’s (of inferior quality) with one sa (of fine quality) as food for Allah’s Apostle (may peace be upon him), whereupon Allah’s Messenger (may peace be upon him) said: Woe! it is in fact usury; therefore, don’t do that. But when you intend to buy dates (of superior quality), sell (the inferior quality) in a separate bargain and then buy (the superior quality). And in the hadith transmitted by Ibn Sahl there is no mention of” whereupon”
حَدَّثَنَا إِسْحَاقُ بْنُ مَنْصُورٍ، أَخْبَرَنَا يَحْيَى بْنُ صَالِحٍ الْوُحَاظِيُّ، حَدَّثَنَا مُعَاوِيَةُ، ح وَحَدَّثَنِي مُحَمَّدُ بْنُ سَهْلٍ التَّمِيمِيُّ، وَعَبْدُ اللَّهِ بْنُ عَبْدِ الرَّحْمَنِ الدَّارِمِيُّ، – وَاللَّفْظُ لَهُمَا – جَمِيعًا عَنْ يَحْيَى بْنِ حَسَّانَ، حَدَّثَنَا مُعَاوِيَةُ، – وَهُوَ ابْنُ سَلاَّمٍ – أَخْبَرَنِي يَحْيَى، – وَهُوَ ابْنُ أَبِي كَثِيرٍ – قَالَ سَمِعْتُ عُقْبَةَ بْنَ عَبْدِ الْغَافِرِ، يَقُولُ سَمِعْتُ أَبَا سَعِيدٍ، يَقُولُ جَاءَ بِلاَلٌ بِتَمْرٍ بَرْنِيٍّ فَقَالَ لَهُ رَسُولُ اللَّهِ صلى الله عليه وسلم ‏”‏ مِنْ أَيْنَ هَذَا ‏”‏ ‏.‏ فَقَالَ بِلاَلٌ تَمْرٌ كَانَ عِنْدَنَا رَدِيءٌ فَبِعْتُ مِنْهُ صَاعَيْنِ بِصَاعٍ لِمَطْعَمِ النَّبِيِّ صلى الله عليه وسلم ‏.‏ فَقَالَ رَسُولُ اللَّهِ عِنْدَ ذَلِكَ ‏”‏ أَوَّهْ عَيْنُ الرِّبَا لاَ تَفْعَلْ وَلَكِنْ إِذَا أَرَدْتَ أَنْ تَشْتَرِيَ التَّمْرَ فَبِعْهُ بِبَيْعٍ آخَرَ ثُمَّ اشْتَرِ بِهِ ‏”‏ ‏.‏ لَمْ يَذْكُرِ ابْنُ سَهْلٍ فِي حَدِيثِهِ عِنْدَ ذَلِكَ ‏.‏
(Sahih Muslim(English) reference : Book 10, Hadith 3871;Arabic reference : Book 23, Hadith 4167)

Proof-27
Malik related to me that Zayd ibn Aslam said, “Usury in the Jahiliyya was that a man would give a loan to a man for a set term. When the term was due, he would say, ‘Will you pay it off or increase me?’ If the man paid, he took it. If not, he increased him in his debt and lengthened the term for him .”
Malik said, “The disapproved of way of doing things about which there is no dispute among us, is that a man should give a loan to a man for a term, and then the demander reduce it and the one from whom it is demanded pay it in advance. To us that is like someone who delays repaying his debt after it is due to his creditor and his creditor increases his debt.” Malik said, “This is nothing else but usury. No doubt about it.”Malik spoke about a man who loaned one hundred dinars to a man for two terms. When it was due, the person who owed the debt said to him, “Sell me some goods, whose price is one hundred dinars in cash for one hundred and fifty on credit.” Malik said, “This transaction is not good, and the people of knowledge still forbid it.”Malik said, “This is disapproved of because the creditor himself gives the debtor the price of what the man sells him, and he defers repayment of the hundred of the first transaction for the debtor for the term which is mentioned to him in the second transaction, and the debtor increases him with fifty dinars for his deferring him. That is disapproved of and it is not good. It also resembles the hadith of Zayd ibn Aslam about the transactions of the people of the Jahiliyya. When their debts were due, they said to the person with the debt, ‘Either you pay in full or you increase it.’ If they paid, they took it, and if not they increased debtors in their debts, and extended the term for them.”
وَحَدَّثَنِي مَالِكٌ، عَنْ زَيْدِ بْنِ أَسْلَمَ، أَنَّهُ قَالَ كَانَ الرِّبَا فِي الْجَاهِلِيَّةِ أَنْ يَكُونَ لِلرَّجُلِ عَلَى الرَّجُلِ الْحَقُّ إِلَى أَجَلٍ فَإِذَا حَلَّ الأَجَلُ قَالَ أَتَقْضِي أَمْ تُرْبِي فَإِنْ قَضَى أَخَذَ وَإِلاَّ زَادَهُ فِي حَقِّهِ وَأَخَّرَ عَنْهُ فِي الأَجَلِ ‏.‏ قَالَ مَالِكٌ وَالأَمْرُ الْمَكْرُوهُ الَّذِي لاَ اخْتِلاَفَ فِيهِ عِنْدَنَا أَنْ يَكُونَ لِلرَّجُلِ عَلَى الرَّجُلِ الدَّيْنُ إِلَى أَجَلٍ فَيَضَعُ عَنْهُ الطَّالِبُ وَيُعَجِّلُهُ الْمَطْلُوبُ وَذَلِكَ عِنْدَنَا بِمَنْزِلَةِ الَّذِي يُؤَخِّرُ دَيْنَهُ بَعْدَ مَحِلِّهِ عَنْ غَرِيمِهِ وَيَزِيدُهُ الْغَرِيمُ فِي حَقِّهِ قَالَ فَهَذَا الرِّبَا بِعَيْنِهِ لاَ شَكَّ فِيهِ ‏.‏ قَالَ مَالِكٌ فِي الرَّجُلِ يَكُونُ لَهُ عَلَى الرَّجُلِ مِائَةُ دِينَارٍ إِلَى أَجَلٍ فَإِذَا حَلَّتْ قَالَ لَهُ الَّذِي عَلَيْهِ الدَّيْنُ بِعْنِي سِلْعَةً يَكُونُ ثَمَنُهَا مِائَةَ دِينَارٍ نَقْدًا بِمِائَةٍ وَخَمْسِينَ إِلَى أَجَلٍ هَذَا بَيْعٌ لاَ يَصْلُحُ وَلَمْ يَزَلْ أَهْلُ الْعِلْمِ يَنْهَوْنَ عَنْهُ ‏.‏ قَالَ مَالِكٌ وَإِنَّمَا كُرِهَ ذَلِكَ لأَنَّهُ إِنَّمَا يُعْطِيهِ ثَمَنَ مَا بَاعَهُ بِعَيْنِهِ وَيُؤَخِّرُ عَنْهُ الْمِائَةَ الأُولَى إِلَى الأَجَلِ الَّذِي ذَكَرَ لَهُ آخِرَ مَرَّةٍ وَيَزْدَادُ عَلَيْهِ خَمْسِينَ دِينَارًا فِي تَأْخِيرِهِ عَنْهُ فَهَذَا مَكْرُوهٌ وَلاَ يَصْلُحُ وَهُوَ أَيْضًا يُشْبِهُ حَدِيثَ زَيْدِ بْنِ أَسْلَمَ فِي بَيْعِ أَهْلِ الْجَاهِلِيَّةِ إِنَّهُمْ كَانُوا إِذَا حَلَّتْ دُيُونُهُمْ قَالُوا لِلَّذِي عَلَيْهِ الدَّيْنُ إِمَّا أَنْ تَقْضِيَ وَإِمَّا أَنْ تُرْبِيَ ‏.‏ فَإِنْ قَضَى أَخَذُوا وَإِلاَّ زَادُوهُمْ فِي حُقُوقِهِمْ وَزَادُوهُمْ فِي الأَجَلِ ‏.‏
(Muwatta Imam-Malik(English) reference : Book 31, Hadith 84;Arabic reference : Book 31, Hadith 1371)

riba_04

Punishment for Consuming Riba(Interest).

 

Proof-28
Allah Says,
وَتَرَىٰ كَثِيرً۬ا مِّنۡہُمۡ يُسَـٰرِعُونَ فِى ٱلۡإِثۡمِ وَٱلۡعُدۡوَٲنِ وَأَڪۡلِهِمُ ٱلسُّحۡتَ‌ۚ لَبِئۡسَ مَا كَانُواْ يَعۡمَلُونَ
”And you see many of them hurrying towards sin and transgression, and eating illegal things [as bribes and riba (usury)]. Evil indeed is that which they have been doing.”(Surah Maidah-5 Verse-62)

Proof-29
The Prophet (peace and blessings of Allaah be upon him) said: “A dirham which a man consumes as riba knowingly is worse before Allaah than thirty-six acts of zina.”(Musnad Ahmed,Tabrani,SAHEEH AL-JAAMI NO 3375)

Proof-30
He (Peace be upon him) said: “There are seventy-two types of riba, the least of which is like a man committing incest with his mother.”(Tabrani in Al-Awsat,Saheeh AL-JAAMI NO 3537)

Proof-31
Narrated `Abdullah bin Abu `Aufa:A man displayed some goods in the market and took a false oath that he had been offered so much for them though he was not offered that amount Then the following Divine Verse was revealed:– “Verily! Those who purchase a little gain at the cost of Allah’s covenant and their oaths . . . Will get painful punishment.” (3.77) Ibn Abu `Aufa added, “Such person as described above is a treacherous Riba eater (i.e. eater of usury).
حَدَّثَنِي إِسْحَاقُ، أَخْبَرَنَا يَزِيدُ بْنُ هَارُونَ، أَخْبَرَنَا الْعَوَّامُ، قَالَ حَدَّثَنِي إِبْرَاهِيمُ أَبُو إِسْمَاعِيلَ السَّكْسَكِيُّ، سَمِعَ عَبْدَ اللَّهِ بْنَ أَبِي أَوْفَى ـ رضى الله عنهما ـ يَقُولُ أَقَامَ رَجُلٌ سِلْعَتَهُ فَحَلَفَ بِاللَّهِ لَقَدْ أُعْطِيَ بِهَا مَا لَمْ يُعْطَهَا فَنَزَلَتْ ‏{‏إِنَّ الَّذِينَ يَشْتَرُونَ بِعَهْدِ اللَّهِ وَأَيْمَانِهِمْ ثَمَنًا قَلِيلاً‏}‏ وَقَالَ ابْنُ أَبِي أَوْفَى النَّاجِشُ آكِلُ رِبًا خَائِنٌ‏.‏
(Reference : Sahih al-Bukhari 2675;English reference : Vol. 3, Book 48, Hadith 841)

Proof-32
Narrated Abdullah ibn Mas’ud:
The Messenger of Allah (peace be upon him) cursed the one who accepted usury, the one who paid it, the witness to it, and the one who recorded it.
حَدَّثَنَا أَحْمَدُ بْنُ يُونُسَ، حَدَّثَنَا زُهَيْرٌ، حَدَّثَنَا سِمَاكٌ، حَدَّثَنِي عَبْدُ الرَّحْمَنِ بْنُ عَبْدِ اللَّهِ بْنِ مَسْعُودٍ، عَنْ أَبِيهِ، قَالَ لَعَنَ رَسُولُ اللَّهِ صلى الله عليه وسلم آكِلَ الرِّبَا وَمُوكِلَهُ وَشَاهِدَهُ وَكَاتِبَهُ ‏.‏
Grade: Sahih (Al-Albani) صحيح (الألباني) حكم:
(Reference : Sunan Abi Dawud 3333;English translation : Book 22, Hadith 3327)

Proof-33
Narrated Abu Juhaifa:The Prophet cursed the lady who practices tattooing and the one who gets herself tattooed, and one who eats (takes) Riba’ (usury) and the one who gives it. And he prohibited taking the price of a dog, and the money earned by prostitution, and cursed the makers of pictures.
حَدَّثَنَا آدَمُ، حَدَّثَنَا شُعْبَةُ، حَدَّثَنَا عَوْنُ بْنُ أَبِي جُحَيْفَةَ، عَنْ أَبِيهِ، قَالَ لَعَنَ النَّبِيُّ صلى الله عليه وسلم الْوَاشِمَةَ، وَالْمُسْتَوْشِمَةَ، وَآكِلَ الرِّبَا وَمُوكِلَهُ، وَنَهَى عَنْ ثَمَنِ الْكَلْبِ، وَكَسْبِ الْبَغِيِّ، وَلَعَنَ الْمُصَوِّرِينَ‏.‏
(Reference: Sahih al-Bukhari 5347;English reference :Vol. 7, Book 63, Hadith 259)

Proof-34
‘Abdullah (b. Mas’ud) (Allah be pleased with him) said that Allah’s Messenger (may peace be upon him) cursed the one who accepted interest and the one who paid it I asked about the one who recorded it, and two witnesses to it. He (the narrator) said:We narrate what we have heard.
حَدَّثَنَا عُثْمَانُ بْنُ أَبِي شَيْبَةَ، وَإِسْحَاقُ بْنُ إِبْرَاهِيمَ، – وَاللَّفْظُ لِعُثْمَانَ – قَالَ إِسْحَاقُ أَخْبَرَنَا وَقَالَ، عُثْمَانُ حَدَّثَنَا جَرِيرٌ، عَنْ مُغِيرَةَ، قَالَ سَأَلَ شِبَاكٌ إِبْرَاهِيمَ فَحَدَّثَنَا عَنْ عَلْقَمَةَ، عَنْ عَبْدِ اللَّهِ، قَالَ لَعَنَ رَسُولُ اللَّهِ صلى الله عليه وسلم آكِلَ الرِّبَا وَمُؤْكِلَهُ ‏.‏ قَالَ قُلْتُ وَكَاتِبَهُ وَشَاهِدَيْهِ قَالَ إِنَّمَا نُحَدِّثُ بِمَا سَمِعْنَا ‏.‏
(Sahih Muslim(English) reference : Book 10, Hadith 3880;Arabic reference : Book 23, Hadith 4176)

Proof-35
Narrated `Aun bin Abu Juhaifa:My father bought a slave who practiced the profession of cupping. (My father broke the slave’s instruments of cupping). I asked my father why he had done so. He replied, “The Prophet forbade the acceptance of the price of a dog or blood, and also forbade the profession of tattooing, getting tattooed and receiving or giving Riba, (usury), and cursed the picture-makers.”
حَدَّثَنَا أَبُو الْوَلِيدِ، حَدَّثَنَا شُعْبَةُ، عَنْ عَوْنِ بْنِ أَبِي جُحَيْفَةَ، قَالَ رَأَيْتُ أَبِي اشْتَرَى عَبْدًا حَجَّامًا، فَسَأَلْتُهُ فَقَالَ نَهَى النَّبِيُّ صلى الله عليه وسلم عَنْ ثَمَنِ الْكَلْبِ، وَثَمَنِ الدَّمِ، وَنَهَى عَنِ الْوَاشِمَةِ وَالْمَوْشُومَةِ، وَآكِلِ الرِّبَا، وَمُوكِلِهِ، وَلَعَنَ الْمُصَوِّرَ‏.‏
(Reference: Sahih al-Bukhari 2086;English reference : Vol. 3, Book 34, Hadith 299)

Proof-36
Narrated Samura bin Jundub:
Allah’s Apostle very often used to ask his companions, “Did anyone of you see a dream?” So dreams would be narrated to him by those whom Allah wished to tell. One morning the Prophet said, “Last night two persons came to me (in a dream) and woke me up and said to me, ‘Proceed!’ I set out with them and we came across a man Lying down, and behold, another man was standing over his head, holding a big rock. Behold, he was throwing the rock at the man’s head, injuring it. The rock rolled away and the thrower followed it and took it back. By the time he reached the man, his head returned to the normal state. The thrower then did the same as he had done before. I said to my two companions, ‘Subhan Allah! Who are these two persons?’ They said, ‘Proceed!’ So we proceeded and came to a man Lying flat on his back and another man standing over his head with an iron hook, and behold, he would put the hook in one side of the man’s mouth and tear off that side of his face to the back (of the neck) and similarly tear his nose from front to back and his eye from front to back. Then he turned to the other side of the man’s face and did just as he had done with the other side. He hardly completed this side when the other side returned to its normal state. Then he returned to it to repeat what he had done before. I said to my two companions, ‘Subhan Allah! Who are these two persons?’ They said to me, ‘Proceed!’ So we proceeded and came across something like a Tannur (a kind of baking oven, a pit usually clay-lined for baking bread).” I think the Prophet said, “In that oven t here was much noise and voices.” The Prophet added, “We looked into it and found naked men and women, and behold, a flame of fire was reaching to them from underneath, and when it reached them, they cried loudly. I asked them, ‘Who are these?’ They said to me, ‘Proceed!’ And so we proceeded and came across a river.” I think he said, “…. red like blood.” The Prophet added, “And behold, in the river there was a man swimming, and on the bank there was a man who had collected many stones. Behold. while the other man was swimming, he went near him. The former opened his mouth and the latter (on the bank) threw a stone into his mouth whereupon he went swimming again. He returned and every time the performance was repeated. I asked my two companions, ‘Who are these (two) persons?’ They replied, ‘Proceed! Proceed!’ And we proceeded till we came to a man with a repulsive appearance, the most repulsive appearance, you ever saw a man having! Beside him there was a fire and he was kindling it and running around it. I asked my companions, ‘Who is this (man)?’ They said to me, ‘Proceed! Proceed!’ So we proceeded till we reached a garden of deep green dense vegetation, having all sorts of spring colors. In the midst of the garden there was a very tall man and I could hardly see his head because of his great height, and around him there were children in such a large number as I have never seen. I said to my companions, ‘Who is this?’ They replied, ‘Proceed! Proceed!’ So we proceeded till we came to a majestic huge garden, greater and better than I have ever seen! My two companions said to me, ‘Go up and I went up’ The Prophet added, “So we ascended till we reached a city built of gold and silver bricks and we went to its gate and asked (the gatekeeper) to open the gate, and it was opened and we entered the city and found in it, men with one side of their bodies as handsome as the handsomest person you have ever seen, and the other side as ugly as the ugliest person you have ever seen. My two companions ordered those men to throw themselves into the river. Behold, there was a river flowing across (the city), and its water was like milk in whiteness. Those men went and threw themselves in it and then returned to us after the ugliness (of their bodies) had disappeared and they became in the best shape.” The Prophet further added, “My two companions (angels) said to me, ‘This place is the Eden Paradise, and that is your place.’ I raised up my sight, and behold, there I saw a palace like a white cloud! My two companions said to me, ‘That (palace) is your place.’ I said to them, ‘May Allah bless you both! Let me enter it.’ They replied, ‘As for now, you will not enter it, but you shall enter it (one day) I said to them, ‘I have seen many wonders tonight. What does all that mean which I have seen?’ They replied, ‘We will inform you: As for the first man you came upon whose head was being injured with the rock, he is the symbol of the one who studies the Qur’an and then neither recites it nor acts on its orders, and sleeps, neglecting the enjoined prayers. As for the man you came upon whose sides of mouth, nostrils and eyes were torn off from front to back, he is the symbol of the man who goes out of his house in the morning and tells so many lies that it spreads all over the world. And those naked men and women whom you saw in a construction resembling an oven, they are the adulterers and the adulteresses. And the man whom you saw swimming in the river and given a stone to swallow, is the eater of usury (Riba).
حَدَّثَنِي مُؤَمَّلُ بْنُ هِشَامٍ أَبُو هِشَامٍ، حَدَّثَنَا إِسْمَاعِيلُ بْنُ إِبْرَاهِيمَ، حَدَّثَنَا عَوْفٌ، حَدَّثَنَا أَبُو رَجَاءٍ، حَدَّثَنَا سَمُرَةُ بْنُ جُنْدَبٍ ـ رضى الله عنه ـ قَالَ كَانَ رَسُولُ اللَّهِ صلى الله عليه وسلم مِمَّا يُكْثِرُ أَنْ يَقُولَ لأَصْحَابِهِ ‏”‏ هَلْ رَأَى أَحَدٌ مِنْكُمْ مِنْ رُؤْيَا ‏”‏‏.‏ قَالَ فَيَقُصُّ عَلَيْهِ مَنْ شَاءَ اللَّهُ أَنْ يَقُصَّ، وَإِنَّهُ قَالَ ذَاتَ غَدَاةٍ ‏”‏ إِنَّهُ أَتَانِي اللَّيْلَةَ آتِيَانِ، وَإِنَّهُمَا ابْتَعَثَانِي، وَإِنَّهُمَا قَالاَ لِي انْطَلِقْ‏.‏ وَإِنِّي انْطَلَقْتُ مَعَهُمَا، وَإِنَّا أَتَيْنَا عَلَى رَجُلٍ مُضْطَجِعٍ، وَإِذَا آخَرُ قَائِمٌ عَلَيْهِ بِصَخْرَةٍ، وَإِذَا هُوَ يَهْوِي بِالصَّخْرَةِ لِرَأْسِهِ، فَيَثْلَغُ رَأْسَهُ فَيَتَهَدْهَدُ الْحَجَرُ هَا هُنَا، فَيَتْبَعُ الْحَجَرَ فَيَأْخُذُهُ، فَلاَ يَرْجِعُ إِلَيْهِ حَتَّى يَصِحَّ رَأْسُهُ كَمَا كَانَ، ثُمَّ يَعُودُ عَلَيْهِ، فَيَفْعَلُ بِهِ مِثْلَ مَا فَعَلَ الْمَرَّةَ الأُولَى‏.‏ قَالَ قُلْتُ لَهُمَا سُبْحَانَ اللَّهِ مَا هَذَانِ قَالَ قَالاَ لِي انْطَلِقْ ـ قَالَ ـ فَانْطَلَقْنَا فَأَتَيْنَا عَلَى رَجُلٍ مُسْتَلْقٍ لِقَفَاهُ، وَإِذَا آخَرُ قَائِمٌ عَلَيْهِ بِكَلُّوبٍ مِنْ حَدِيدٍ، وَإِذَا هُوَ يَأْتِي أَحَدَ شِقَّىْ وَجْهِهِ فَيُشَرْشِرُ شِدْقَهُ إِلَى قَفَاهُ، وَمَنْخِرَهُ إِلَى قَفَاهُ وَعَيْنَهُ إِلَى قَفَاهُ ـ قَالَ وَرُبَّمَا قَالَ أَبُو رَجَاءٍ فَيَشُقُّ ـ قَالَ ثُمَّ يَتَحَوَّلُ إِلَى الْجَانِبِ الآخَرِ، فَيَفْعَلُ بِهِ مِثْلَ مَا فَعَلَ بِالْجَانِبِ الأَوَّلِ، فَمَا يَفْرُغُ مِنْ ذَلِكَ الْجَانِبِ حَتَّى يَصِحَّ ذَلِكَ الْجَانِبُ كَمَا كَانَ، ثُمَّ يَعُودُ عَلَيْهِ فَيَفْعَلُ مِثْلَ مَا فَعَلَ الْمَرَّةَ الأُولَى‏.‏ قَالَ قُلْتُ سُبْحَانَ اللَّهِ مَا هَذَانِ قَالَ قَالاَ لِي انْطَلِقْ‏.‏ فَانْطَلَقْنَا فَأَتَيْنَا عَلَى مِثْلِ التَّنُّورِ ـ قَالَ فَأَحْسِبُ أَنَّهُ كَانَ يَقُولُ ـ فَإِذَا فِيهِ لَغَطٌ وَأَصْوَاتٌ ـ قَالَ ـ فَاطَّلَعْنَا فِيهِ، فَإِذَا فِيهِ رِجَالٌ وَنِسَاءٌ عُرَاةٌ، وَإِذَا هُمْ يَأْتِيهِمْ لَهَبٌ مِنْ أَسْفَلَ مِنْهُمْ، فَإِذَا أَتَاهُمْ ذَلِكَ اللَّهَبُ ضَوْضَوْا ـ قَالَ ـ قُلْتُ لَهُمَا مَا هَؤُلاَءِ قَالَ قَالاَ لِي انْطَلِقِ انْطَلِقْ‏.‏ قَالَ فَانْطَلَقْنَا فَأَتَيْنَا عَلَى نَهَرٍ ـ حَسِبْتُ أَنَّهُ كَانَ يَقُولُ ـ أَحْمَرَ مِثْلِ الدَّمِ، وَإِذَا فِي النَّهَرِ رَجُلٌ سَابِحٌ يَسْبَحُ، وَإِذَا عَلَى شَطِّ النَّهَرِ رَجُلٌ قَدْ جَمَعَ عِنْدَهُ حِجَارَةً كَثِيرَةً، وَإِذَا ذَلِكَ السَّابِحُ يَسْبَحُ مَا يَسْبَحُ، ثُمَّ يَأْتِي ذَلِكَ الَّذِي قَدْ جَمَعَ عِنْدَهُ الْحِجَارَةَ فَيَفْغَرُ لَهُ فَاهُ فَيُلْقِمُهُ حَجَرًا فَيَنْطَلِقُ يَسْبَحُ، ثُمَّ يَرْجِعُ إِلَيْهِ، كُلَّمَا رَجَعَ إِلَيْهِ فَغَرَ لَهُ فَاهُ فَأَلْقَمَهُ حَجَرًا ـ قَالَ ـ قُلْتُ لَهُمَا مَا هَذَانِ قَالَ قَالاَ لِي انْطَلِقِ انْطَلِقْ‏.‏ قَالَ فَانْطَلَقْنَا فَأَتَيْنَا عَلَى رَجُلٍ كَرِيهِ الْمَرْآةِ كَأَكْرَهِ مَا أَنْتَ رَاءٍ رَجُلاً مَرْآةً، وَإِذَا عِنْدَهُ نَارٌ يَحُشُّهَا وَيَسْعَى حَوْلَهَا ـ قَالَ ـ قُلْتُ لَهُمَا مَا هَذَا قَالَ قَالاَ لِي انْطَلِقِ انْطَلِقْ‏.‏ فَانْطَلَقْنَا فَأَتَيْنَا عَلَى رَوْضَةٍ مُعْتَمَّةٍ فِيهَا مِنْ كُلِّ نَوْرِ الرَّبِيعِ، وَإِذَا بَيْنَ ظَهْرَىِ الرَّوْضَةِ رَجُلٌ طَوِيلٌ لاَ أَكَادُ أَرَى رَأْسَهُ طُولاً فِي السَّمَاءِ، وَإِذَا حَوْلَ الرَّجُلِ مِنْ أَكْثَرِ وِلْدَانٍ رَأَيْتُهُمْ قَطُّ ـ قَالَ ـ قُلْتُ لَهُمَا مَا هَذَا مَا هَؤُلاَءِ قَالَ قَالاَ لِي انْطَلِقِ انْطَلِقْ‏.‏ ـ قَالَ ـ فَانْطَلَقْنَا فَانْتَهَيْنَا إِلَى رَوْضَةٍ عَظِيمَةٍ لَمْ أَرَ رَوْضَةً قَطُّ أَعْظَمَ مِنْهَا وَلاَ أَحْسَنَ‏.‏ ـ قَالَ ـ قَالاَ لِي ارْقَ فِيهَا‏.‏ قَالَ فَارْتَقَيْنَا فِيهَا فَانْتَهَيْنَا إِلَى مَدِينَةٍ مَبْنِيَّةٍ بِلَبِنِ ذَهَبٍ وَلَبِنِ فِضَّةٍ، فَأَتَيْنَا باب الْمَدِينَةِ فَاسْتَفْتَحْنَا فَفُتِحَ لَنَا، فَدَخَلْنَاهَا فَتَلَقَّانَا فِيهَا رِجَالٌ شَطْرٌ مِنْ خَلْقِهِمْ كَأَحْسَنِ مَا أَنْتَ رَاءٍ، وَشَطْرٌ كَأَقْبَحِ مَا أَنْتَ رَاءٍ ـ قَالَ ـ قَالاَ لَهُمُ اذْهَبُوا فَقَعُوا فِي ذَلِكَ النَّهَرِ‏.‏ قَالَ وَإِذَا نَهَرٌ مُعْتَرِضٌ يَجْرِي كَأَنَّ مَاءَهُ الْمَحْضُ فِي الْبَيَاضِ، فَذَهَبُوا فَوَقَعُوا فِيهِ، ثُمَّ رَجَعُوا إِلَيْنَا قَدْ ذَهَبَ ذَلِكَ السُّوءُ عَنْهُمْ، فَصَارُوا فِي أَحْسَنِ صُورَةٍ ـ قَالَ ـ قَالاَ لِي هَذِهِ جَنَّةُ عَدْنٍ، وَهَذَاكَ مَنْزِلُكَ‏.‏ قَالَ فَسَمَا بَصَرِي صُعُدًا، فَإِذَا قَصْرٌ مِثْلُ الرَّبَابَةِ الْبَيْضَاءِ ـ قَالَ ـ قَالاَ هَذَاكَ مَنْزِلُكَ‏.‏ قَالَ قُلْتُ لَهُمَا بَارَكَ اللَّهُ فِيكُمَا، ذَرَانِي فَأَدْخُلَهُ‏.‏ قَالاَ أَمَّا الآنَ فَلاَ وَأَنْتَ دَاخِلُهُ‏.‏ قَالَ قُلْتُ لَهُمَا فَإِنِّي قَدْ رَأَيْتُ مُنْذُ اللَّيْلَةِ عَجَبًا، فَمَا هَذَا الَّذِي رَأَيْتُ قَالَ قَالاَ لِي أَمَا إِنَّا سَنُخْبِرُكَ، أَمَّا الرَّجُلُ الأَوَّلُ الَّذِي أَتَيْتَ عَلَيْهِ يُثْلَغُ رَأْسُهُ بِالْحَجَرِ، فَإِنَّهُ الرَّجُلُ يَأْخُذُ الْقُرْآنَ فَيَرْفُضُهُ وَيَنَامُ عَنِ الصَّلاَةِ الْمَكْتُوبَةِ، وَأَمَّا الرَّجُلُ الَّذِي أَتَيْتَ عَلَيْهِ يُشَرْشَرُ شِدْقُهُ إِلَى قَفَاهُ، وَمَنْخِرُهُ إِلَى قَفَاهُ، وَعَيْنُهُ إِلَى قَفَاهُ، فَإِنَّهُ الرَّجُلُ يَغْدُو مِنْ بَيْتِهِ فَيَكْذِبُ الْكَذْبَةَ تَبْلُغُ الآفَاقَ، وَأَمَّا الرِّجَالُ وَالنِّسَاءُ الْعُرَاةُ الَّذِينَ فِي مِثْلِ بِنَاءِ التَّنُّورِ فَإِنَّهُمُ الزُّنَاةُ وَالزَّوَانِي‏.‏ وَأَمَّا الرَّجُلُ الَّذِي أَتَيْتَ عَلَيْهِ يَسْبَحُ فِي النَّهَرِ وَيُلْقَمُ الْحَجَرَ، فَإِنَّهُ آكِلُ الرِّبَا، وَأَمَّا الرَّجُلُ الْكَرِيهُ الْمَرْآةِ الَّذِي عِنْدَ النَّارِ يَحُشُّهَا وَيَسْعَى حَوْلَهَا، فَإِنَّهُ مَالِكٌ خَازِنُ جَهَنَّمَ، وَأَمَّا الرَّجُلُ الطَّوِيلُ الَّذِي فِي الرَّوْضَةِ فَإِنَّهُ إِبْرَاهِيمُ صلى الله عليه وسلم وَأَمَّا الْوِلْدَانُ الَّذِينَ حَوْلَهُ فَكُلُّ مَوْلُودٍ مَاتَ عَلَى الْفِطْرَةِ ‏”‏‏.‏ قَالَ فَقَالَ بَعْضُ الْمُسْلِمِينَ يَا رَسُولَ اللَّهِ وَأَوْلاَدُ الْمُشْرِكِينَ فَقَالَ رَسُولُ اللَّهِ صلى الله عليه وسلم ‏”‏ وَأَوْلاَدُ الْمُشْرِكِينَ‏.‏ وَأَمَّا الْقَوْمُ الَّذِينَ كَانُوا شَطْرٌ مِنْهُمْ حَسَنًا وَشَطَرٌ مِنْهُمْ قَبِيحًا، فَإِنَّهُمْ قَوْمٌ خَلَطُوا عَمَلاً صَالِحًا وَآخَرَ سَيِّئًا، تَجَاوَزَ اللَّهُ عَنْهُمْ ‏”‏‏.‏
(Sahih Bukhari English reference: Vol. 9, Book 87, Hadith 171;Arabic reference: Book 92, Hadith 7134)

 

Working in Riba(Interest) based Banks.

 

It is not permissible to work in Riba-based Banks, with or without a Salary, because the one who works in them will either be dealing directly with riba by recording or witnessing it, or he will be helping with it in some way. The Riba-based Banks are places of great evil in which a major sin is committed and there is no guarantee that the one who sits in such a place will not be subjected to the curse of Allaah of which He has warned those who engage in Riba. There is also no guarantee that the one who trains in such a place will not be tempted by his self that is inclined towards evil to carry on working there because of the temptation he finds there.

Working in RIBA based bank as a Accountant, Maintenance or system Engg, driver, guard or cleaner etc.

Proof-37
Jabir said that Allah’s Messenger (may peace be upon him) cursed the accepter of interest and its payer, and one who records it, and the two witnesses, and he said:They are all equal.
حَدَّثَنَا مُحَمَّدُ بْنُ الصَّبَّاحِ، وَزُهَيْرُ بْنُ حَرْبٍ، وَعُثْمَانُ بْنُ أَبِي شَيْبَةَ، قَالُوا حَدَّثَنَا هُشَيْمٌ، أَخْبَرَنَا أَبُو الزُّبَيْرِ، عَنْ جَابِرٍ، قَالَ لَعَنَ رَسُولُ اللَّهِ صلى الله عليه وسلم آكِلَ الرِّبَا وَمُوكِلَهُ وَكَاتِبَهُ وَشَاهِدَيْهِ وَقَالَ هُمْ سَوَاءٌ ‏.‏
(Sahih Muslim(English) reference : Book 10, Hadith 3881;Arabic reference : Book 23, Hadith 4177)
Imam Al-Nawawi said:This is clearly a prohibition of the writing down or witnessing of a contract between the two parties involved in a Riba-based deal. It also includes a prohibition of helping others to commit wrong acts. And Allaah knows best.

It is inevitable that the employee in a riba-based bank will play a part in riba dealings one way or another, even if he is just a security guard.

SHAYKH AL-BARRAAK Said: :-If the operations of the bank are run in accordance with Islamic guidelines, there is nothing wrong with working there, even if it is not called an Islamic Bank. But if its operations are based on riba in lending and borrowing, or other haraam things, then it is not permissible to work there even if it is called an Islamic bank. What matters is what really happens, not mere names.

Shaykh Ibn-Uthaymeen Said:It is not permissible to work in a riba-based institution even if a person is working as a driver or guard, because that means that he is working for the riba-based institution, which implies that he approves of it. For whoever disapproves of a thing would not work to support it, so if he is working for it that implies that he approves of it, and the one who approves of something that is haraam is also guilty of sin.(FATAAWA ISLAMIYYAH 2/401)

FURTHER HE SAID: It is not permissible for a Muslim to work as a guard for banks that deal with riba, because this is a kind of cooperating in sin and transgression, and Allaah has forbidden that as He says (interpretation of the meaning):“but do not help one another in sin and transgression”(SURAH MAIDAH 5 VERSE 2)
Most of the banks deal with riba, so you have to look for a halaal means of earning a living, not this way. Based on that, it is not permissible to train in a riba-based bank, because it requires writing down riba or witnessing it.(FATAAWA ISLAMIYYAH 2/402)

 

Anchorf) Prohibition of Riba in Dar Al-Harb(Non-Islamic State).

 

In fact all riba is haraam, and it makes no difference whether it is between two Muslims or between a Muslim and a kaafir. The one who consumes riba and the one who pays it are both issued a stern warning.

Proof-38
Allaah says (interpretation of the meaning):O you who believe! Have Taqwa of Allah and give up what remains from Riba, if you are (really) believers.And if you do not do it, then take a notice of war from Allah and His Messenger but if you repent,you shall have your capital sums. Deal not unjustly, and you shall not be dealt with unjustly.(Surah Baqarah-2 Verse:278-279)

Proof-39
Jabir said that Allah’s Messenger (may peace be upon him) cursed the accepter of interest and its payer, and one who records it, and the two witnesses, and he said:They are all equal.
حَدَّثَنَا مُحَمَّدُ بْنُ الصَّبَّاحِ، وَزُهَيْرُ بْنُ حَرْبٍ، وَعُثْمَانُ بْنُ أَبِي شَيْبَةَ، قَالُوا حَدَّثَنَا هُشَيْمٌ، أَخْبَرَنَا أَبُو الزُّبَيْرِ، عَنْ جَابِرٍ، قَالَ لَعَنَ رَسُولُ اللَّهِ صلى الله عليه وسلم آكِلَ الرِّبَا وَمُوكِلَهُ وَكَاتِبَهُ وَشَاهِدَيْهِ وَقَالَ هُمْ سَوَاءٌ ‏.‏
(Sahih Muslim(English) reference : Book 10, Hadith 3881;Arabic reference : Book 23, Hadith 4177)

IBN QUDAAMAH Said: :-The prohibition on riba in dar al-harb is the same as the prohibition on riba in dar al-Islam. This is the view of Maalik, al-Awzaa’i, Abu Yoosuf, al-Shaafa’i and Ishaaq. … because Allaah says (interpretation of the meaning):“Those who consume Riba will not stand (on the Day of Resurrection) except like the standing of a person beaten by Shaytaan (Satan) leading him to insanity”(SURAH BAQARAH 2 VERSE 275)
Allah Says,”O you who believe! Have Taqwa of Allah and give up what remains from Riba, if you are (really) believers.”(SURAH BAQARAH 2 VERSE 278)
What is forbidden in dar al-Islam is also forbidden in dar al-harb, such as riba between two Muslims.(AL-MUGHNI 4/47)

 

Ruling on Borrowing a Loan from Riba based Banks.

 

Dealing with riba (usury, interest) is a major sin against which Allaah has issued a stern warning. He says (interpretation of the meaning):O you who believe! Have Taqwa of Allah and give up what remains from Riba, if you are (really) believers.And if you do not do it, then take a notice of war from Allah and His Messenger but if you repent,you shall have your capital sums. Deal not unjustly, and you shall not be dealt with unjustly.(SURAH BAQARAH 2 VERSE 278-279)

IBN QUDAAMAH Said: :-Every loan in which it is stipulated that an additional payment be made is haraam, with no scholarly dispute. Ibn al-Mundhir said: They are unanimously agreed that if the lender stipulates that the borrower must pay extra or give a gift, and he gives the loan on this basis, this is riba. It was narrated from Ubayy ibn Ka’b, Ibn ‘Abbaas and Ibn Mas’ood that they forbade loans that lead to any kind of benefit (extra payment, gifts, etc).(AL-MUGHNI 6/436)

It is haraam to take a loan from banks or elsewhere with riba, whether that is to build something or to spend it on food, or to pay for studies, clothing or medical expenses or to start a business and earn more money, or any other purpose, because of the general meaning of the verses that forbid riba, and the general meaning of the ahaadeeth which indicate that it is haraam. Similarly it is not permissible to deposit money in banks etc that pay interest.(FATAWA AL-LAJNA AL-DAAIMAH 13/385)

riba_05