Interest-based student loans or Missing Salah?

[ZubeirAwal]

A senior relative of mine visited us recently, and she stressed that I maintain my prayer, (I missed 'Asr that day), however she has 3 homes on mortgage and she encouraged me to take a interest based loan to go on to higher education (uni). I then told her that this would go against what the Qur'an says, to which she said ' wa caadi'. I was shocked, because for some people missing Salah is more dire and sinful than taking interest-loans/riba, when in fact, Allah stresses the importance of not taking interest, moreso than safeguarding Salah, to the extent that He warns believers, and not non-believers, that means the average muslim, He warns that if you take interest based loans whilst being conscience of it , then take heed of war from Him and his messenger. To me, that seems like a imperative order for every muslim to take, especially in a interest-based monetary world today, and so when I told her this she sigh'd in disappointment.

Some hadiths on Interest:

. From Abu Hurayrah : The Prophet, , said: "On the night of Ascension I came upon people who had transparent stomachs that had snakes visible from the outside. I asked Gabriel who they were. He replied that they were people who had received interest." (Ibn Majah, Kitab al-Tijarat, Bab al-taghlizi fi al-riba; also in Musnad Ahmad)

rom Abu Hurayrah : The Prophet, , said: "Riba has seventy segments, the least serious being equivalent to a man committing adultery with his own mother." (Ibn Majah)

From Abu Hurayrah : The Prophet, , said: "There will certainly come a time for mankind when everyone will take riba and if he does not do so, its dust will reach him.[THIS IS TODAY'S DAY AND AGE]" (Abu Dawud, Kitab al-Buyu', Bab fi ijtinabi al-shubuhat; also in Ibn Majah)

From Abu Hurayrah : The Prophet, , said: "God would be justified in not allowing four persons to enter paradise or to taste its blessings: one who drinks habitually, one who takes riba, one who usurps an orphan's property without right, and one who is undutiful to his parents." (Mustadrak al-Hakim, Kitab al-Buyu')

Riba in Allah's words (full context):

[Charity is] for the poor who have been restricted for the cause of Allah , unable to move about in the land. An ignorant [person] would think them self-sufficient because of their restraint, but you will know them by their [characteristic] sign. They do not ask people persistently [or at all]. And whatever you spend of good - indeed, Allah is Knowing of it.

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.

Those who consume interest cannot stand except as one stands who is being beaten by Satan into insanity. That is because they say, "Trade and Interest are similar." 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. (These are verses intended for muslims to obey at all times!)

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

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.

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

If you do not, Take notice of war from Allah and His Messenger: But if ye turn back, you shall have your capital sums: Deal not unjustly, and ye shall not be dealt with unjustly.[/b]

Baqarah 2:275-281

If I were to enroll into uni and take the slavery-loan which grants me 9,000 every uni year, which may add to 27,000 in total,
the UK gov site reads:

You pay interest from the time your first payment is made until you pay your loan back in full.

Tuition fees were introduced in the first term of Tony Blair’s Labour government, with students who began their courses in Autumn 1998 paying £1,000 a year. This was later controversially tripled to £3,000 a year for students starting their courses in 2006 or later, and then tripled again to a cap of £9,000 by the coalition government for students starting university in 2012.For a student on a three year degree course, this means graduating with £42,800 of debt.

That's what Allah is saving me from, a bondage into debt-slavery where I have to pay off that ridiculous amount of money, education serves industry and not humanity. If I'm on a acquisition of knowledge all I need are the books of the knowledgeable ones from each differing subject of study, I don't need to take a damn loan that sums up to £27,000 without interest but £42,000 with interest. And if a muslim says ' due to dire necessity one should take the loan' , hell nah, clearly from the Qur'an and sunnah there is a no-toleration interest-policy in Islam, because INTEREST ENSLAVES PEOPLE INTO A LIFETIME OF DEBT AND POVERTY.

Alhamdulilah

[Bella18]

I am swimming in a pool of student loan
Ilaaheey haa ii gar gaaro

Waxaan arkay somali folks that live in mortgage house and dedicated a room for prayer only... I seriously don't know how somalis think.

[ZubeirAwal]

There is no dhambi on someone who didn't know, laakin hada lagu noqo wa sheeko kale weeye.

Waxaan arkay somali folks that live in mortgage house and dedicated a room for prayer only... I seriously don't know how somalis think.

The juxtaposition of purchasing a home and then dedicating a room for salah is ironic, contradictory and ultimately a oxymoron.

[thehappyone]

taking interest isnt xaraam, you are improving your life to become a better muslim, giving out interest is the xaraam part as your profiting from someone's else desperate situation

[Machiavelli2]

You will never meet a Somali warning about the haram of welfare money. It is taxes collected from RIBA banks. Prostitutes, gambling, alcohol, pork industry and it is fine receiving it because the Somali wadaad himself is on welfare or gets commission from those single mothers who are on welfare. You guys misunderstood RIBA. What the loan sharks offer is pure RIBA, but buying a house for your family away from the negative influences of your children in a ghetto estate on mortgage is a necessity and not RIBA.

[ZubeirAwal]

taking interest isnt xaraam, you are improving your life to become a better muslim, giving out interest is the xaraam part as your profiting from someone's else desperate situation

These are the kind of people that I'm talking about, recieving interest is 100% haram, Allah and his messenger know better for the believers than what they know for themselves. What's the point of taking a loan that demands 3x repayment, and once you graduate and have a rather succesful career you'd be paying off debt that initially was infictied upon you for no other reason than to extract money from you, that's why it's called interest.

Do not make halal what Allah made haram, improving your life in what, pursuing Dunya? That ain't the way for a muslim to live, running after the dunya.

You will never meet a Somali warning about the haram of welfare money. It is taxes collected from RIBA banks. Prostitutes, gambling, alcohol, pork industry and it is fine receiving it because the Somali wadaad himself is on welfare or gets commission from those single mothers who are on welfare. You guys misunderstood RIBA. What the loan sharks offer is pure RIBA, but buying a house for your family away from the negative influences of your children in a ghetto estate on mortgage is a necessity and not RIBA.

So your saying buying a home on mortgage to 'free your family from the ghetto' is not Riba? The mortgage itself has interest and that = riba, there is NO EXCUSES.

Unlike PORK in the Qur'an Allah reassures the law of NECCISITY, by saying that if you must EAT PORK TO SURVIVE, then EAT IT. However as for Riba, he didn't say "But if you are in a state of difficulty then recieve interest" , do not invent laws in this religion, what has been established has been established.

"On the night of Ascension I came upon people who had transparent stomachs that had snakes visible from the outside. I asked Gabriel who they were. He replied that they were people who had received interest

The scribe, the receiver, the loan-giver, are all guilty.

[thehappyone]

"On the night of Ascension I came upon people who had transparent stomachs that had snakes visible from the outside. I asked Gabriel who they were. He replied that they were people who had received interest

Interest isn't received by the borrower but by the lender, so it confirms my point

[original dervish]

The situation that exists in the Western countries today necessitates contravening shariah.
Let me explain.....there isn't a job that doesn't rest on haram eg the company has been founded on interest loans/bonds.
They may be selling alcohol, pork, revealing garments, nude magazines etc.
You can also rule out working for banks, insurance firms, entertainment venues, security...the list goes on and on.

If a person truly wants to live a full Islamic life they must make hijra.
Even then not all Muslim countries abide by sharia.

Allah (swt) knows best.

[ZubeirAwal]

"On the night of Ascension I came upon people who had transparent stomachs that had snakes visible from the outside. I asked Gabriel who they were. He replied that they were people who had received interest

Interest isn't received by the borrower but by the lender, so it confirms my point

No it does not, if you are invovled in a interest based transaction you are guilty, that is the verdict from Islam.

[Amira143]

Paying interest is haram as well as receiving it.

As humans we pick and choose what part of the deen we like to hold dear to, and in that process we belittle grievous sins, such as interest/backbiting and so on. No one is perfect, we can only strive to be good. Lakin I do dislike the "Haram police" nothing more annoying than them.


And isn't there Islamic banks now?

[ZubeirAwal]

The situation that exists in the Western countries today necessitates contravening shariah.
Let me explain.....there isn't a job that doesn't rest on haram eg the company has been founded on interest loans/bonds.
They may be selling alcohol, pork, revealing garments, nude magazines etc.
You can also rule out working for banks, insurance firms, entertainment venues, security...the list goes on and on.

If a person truly wants to live a full Islamic life they must make hijra.
Even then not all Muslim countries abide by sharia.

Allah (swt) knows best.

NO it does not, why are people making short cuts and excuses? Are you saying Allahs laws regarding transactions and such are outdated and that this age of modernity neccistates going against them? It is absolutely possible to obey Allah's laws and survive, and there will be no excuse for those who made excuses.

When angels take the souls of those who die in sin against their souls, they say: "In what (plight) Were ye?" They reply: "we were oppressed and we were weak in the earth." They say: "Was not the earth of Allah wide enough for you to move yourselves away (From evil)?" Such men will find their abode in Hell,- What an evil refuge! -

But no no, I must remain in these cities of riba, they are my only way of life. No excuses shall be accepted, so if you go ahead in the future and continue to recieve interest loans, then all I can say is Allah yar7amak.

Paying interest is haram as well as receiving it.

As humans we pick and choose what part of the deen we like to hold dear to, and in that process we belittle grievous sins, such as interest/backbiting and so on. No one is perfect, we can only strive to be good. Lakin I do dislike the "Haram police" nothing more annoying than them.


And isn't there Islamic banks now?

Islamic banks are the same except that they feed on the poor muslims who try to find alternatives to the absolute haram banking system, islamic banks are essentially backdoor interest loaners.

[Machiavelli2]

I mentioned the law of necessity when it comes to owning a house on mortgage. Why is it ok for receiving welfare and not for owning a house? Many scholars have justified mortgages as the law of necessity including Yusuf Alqardawi al-Qaradawi who considered it as permissible under the rule of necessity.

Buying Houses with mortgages: Ruling European Council for Fatwa and Research.

The committee of scholars, headed by Dr. Yusuf Qardawi met in Detroit, USA in 1999, issued a statement explaining the law of necessity. In summary, it says that if a person is not able to rent a suitable house for himself and his family in a proper location or the rent is too high, in that case he can purchase the house with a mortgage.

http://ibfn.wordpress.com/2014/02/22/bu ... -research/

Buying a Home on Mortgage is a necessity.

Some scholars allow the purchase of a single residence for personal use with an interest loan in cases of necessity.

http://www.islamonline.com/news/article ... ssity.html

[ZubeirAwal]

Yusuf Al Qaradawi is not a credible scholar, he has shown outright support for America a Zionist nation, and he has asked for them to give syrian rebels millions of weapons, and in the Qur'an it states,



O you who have believed, do not take the Jews and the Christians as allies. They are [in fact] allies of one another. And whoever is an ally to them among you - then indeed, he is [one] of them. Indeed, Allah guides not the wrongdoing people.
5:51

Who are allies with each other? A sector among the jews and a sector among the christians, they are zionists, America and Israel, Britain and Israel and so on and so forth. So to hell with Qaradawi nacala tulla calayhi for misguiding muslims.

Allah doesn't include Riba with the law of neccisity, is absolutely 100% Haram, when you contribute to Riba you contribute to the enslavement of millions of poor people.

[ZubeirAwal]

Who is your lord, Allah or Qaradawi? Who is your messenger, Muhammad (saw) or Qaradawi? What is it that makes people favour the verdict of a scholar rather than the prophet, or much more higher than that, Allah himself?

What is up with muslims today?

[Bella18]

I thought only shi'a folks did that
Buying their first home is not haram camal...