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جزاک اللہ خیر بہت عمدہ تعریف سود کی

حَدَّثَنَا أَبُو نُعَيْمٍ ، حَدَّثَنَا زَكَرِيَّاءُ ، عَنْ عَامِرٍ ، قَالَ : سَمِعْتُ النُّعْمَانَ بْنَ بَشِيرٍ ، يَقُولُ : سَمِعْتُ رَسُولَ اللَّهِ صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ ، يَقُولُ : الْحَلَالُ بَيِّنٌ وَالْحَرَامُ بَيِّنٌ ، وَبَيْنَهُمَا مُشَبَّهَاتٌ لَا يَعْلَمُهَا كَثِيرٌ مِنَ النَّاسِ ، فَمَنِ اتَّقَى الْمُشَبَّهَاتِ اسْتَبْرَأَ لِدِينِهِ وَعِرْضِهِ ، وَمَنْ وَقَعَ فِي الشُّبُهَاتِ كَرَاعٍ يَرْعَى حَوْلَ الْحِمَى يُوشِكُ أَنْ يُوَاقِعَهُ ، أَلَا وَإِنَّ لِكُلِّ مَلِكٍ حِمًى ، أَلَا إِنَّ حِمَى اللَّهِ فِي أَرْضِهِ مَحَارِمُهُ ، أَلَا وَإِنَّ فِي الْجَسَدِ مُضْغَةً إِذَا صَلَحَتْ صَلَحَ الْجَسَدُ كُلُّهُ وَإِذَا فَسَدَتْ فَسَدَ الْجَسَدُ كُلُّهُ ، أَلَا وَهِيَ الْقَلْبُ آنحضرت ﷺ سے سنا آپ ﷺ فرماتے تھے حلال کھلا ہوا ہے اور حرام بھی کھلا ہوا ہے اور ان دونوں کے درمیان بعض چیزیں شبہ کی ہیں جن کو بہت لوگ نہیں جانتے ( کہ حلال ہیں یا حرام ) پھر جو کوئی شبہ کی چیزوں سے بھی بچ گیا اس نے اپنے دین اور عزت کو بچا لیا اور جو کوئی ان شبہ کی چیزوں میں پڑ گیا اس کی مثال اس چرواہے کی ہے جو ( شاہی محفوظ ) چراگاہ کے آس پاس اپنے جانوروں کو چرائے ۔ وہ قریب ہے کہ کبھی اس چراگاہ کے اندر گھس جائے ( اور شاہی مجرم قرار پائے ) سن لو ہر بادشاہ کی ایک چراگاہ ہوتی ہے ۔ اللہ کی چراگاہ اس کی زمین پر حرام چیزیں ہیں ۔ ( پس ان سے بچو اور ) سن لو بدن میں ایک گوشت کا ٹکڑا ہے جب وہ درست ہو گا سارا بدن درست ہو گا اور جہاں بگڑا سارا بدن بگڑ گیا ۔ سن لو وہ ٹکڑا آدمی کا دل ہے Bukhari #52

جزاک اللہ خیرا کثیرا فی الدارین Ya Allah protect us from all type of Devil evil.Bad evil/ Ameen

Jazak Allah Allah ap ko jaza e khair dy aameen soomm aameen

بہت خوب بہت خوب

جزاک اللہ خیر

Excellent conversation

قرض اور اجارہ دوالگ چیزیں ہیں جناب غامدی صاحب نے اچھی وضاحت فرمائی ۔ قرض پر نفع نہیں جبکہ اجارہ میں منافع اشیاء کے منافع مطلوب ھوتے ہیں جوکتب حدیث وفقہ میں الگ الگ ابواب ہیں

I am from Kashmir India , I think “Riba” is the most difficult subject the umma is facing in the absence of recognise Islamic institution to give verdict ( Futwa ) on the subject, We have individual Islamic scholars who give opinions according to their perception … which may be right or wrong , Javed Gamdi at least have good understanding and courage to talk on various challenges facing umma these days, I need following clarification from Gamdi sb : In India when a person deposits money in the Bank he gets fixed interest from the Bank. Now let us consider a situation if a person has deposited huge amount in the Bank but for any reason bank fails and declares Bankruptcy. In such situation the person who had deposited huge amount in the bank will get only 5 lacs , which is guaranteed by government of India through RBI . Now we can say Bank as an economic institution is functioning as normal business unit and is paying you profit but calls it interest because of huge client base it may not be possible to calculate exact amount of share for every depositor . As explained above when you deposit money in the bank you also agree to share the losses , if any , than how can we say it is same as Mahajini karo bar, which is being referred in the Hadith.

Jazzak ALLAH Khaira

ماشاءاللہ یہ باتیں ھمارے مولانا کو سمجھانے کی ضرورت ھے

السلام علیکم سر جی. بہت اچھی معلومات وضاحت جزاک اللہ خیرا

Please Pray For MUSLIMS UNITY

Excellent bayan sir and u have defined well interest.

Well explained (jazak Allah Khair sir)

Excellent explanation of the term interest

Jazak Allah khair.

ماشاءاللہ جزاک اللہ خیرا آمین

ماشااللہ۔ بعض لوگ جائز منافع لینے والے کو کہتے ہیں یہ سود ھے۔

Clear explanation.

Good explain.Thank you Sir.

💯 percent right definition of the Riba or sood. MY education is from Bahrain Arabic school I was taught exactly the same definition ... I can explain it more elaborately As I have learned about it

اللہ آپ کو اس کا آجر دے آمین

SubhanAllah

Aqal k peechay Luthh lay kar dornay waloan ki mojodgi me Ghamidi sahib ki shakhsiat ghaneemat hai. Jazakallah.

Jazak Allah

Marvelous conversation.

دعاء ہے کہ آپ کو جنت الفردوس میں اعلیٰ مقام ملے۔

يَا أَيُّهَا الَّذِينَ آمَنُوا لَا تَأْكُلُوا الرِّبَا أَضْعَافًا مُّضَاعَفَةً وَاتَّقُوا اللَّهَ لَعَلَّكُمْ تُفْلِحُونَ ‎﴿آل عمران: ١٣٠﴾‏ کیا أَضْعَافًا سے کم الرِّبَا کھایا جاسکتا ہے ؟؟

Exact explanation I have studied from Bahrain Arabic school And I knew the meaning of sood And we read about it in Quran It is clearly mentioned that if u lend some money to any needy Then don't ask for extra money on that real amount that u gave someone .

Acchi. Malomat

Always too good

Quraan me wazeh tour par Allah Subhanow wa ta'ala ne Farma diya hai ki SOUD lena aur dena kattan HARAAM hai۔

Well explained 👍🏾👍🏾

Realy convincing. Thanks.

کرائے اور قرض میں یہ بنیادی فرق ہے کرایہ دار اس کا مالک نہیں ہوتا اور قرض میں دی گئی رقم یا چیز کا مقروض مالک ہوتا ہے جہاں چاہے لگائے

Sut ke bare mein Kuran se bahut achcha samjhaya hai Sheikh Mohammed ne

Very well explained.

Well understood

What a amazing explanation ❤ you

Excellent fabulous

THE controversy about the permissibility or prohibition of bank interest started in the colonial times, in the 19-century onwards, when banking institutions came to the Islamic world. The controversy first raged in Egypt. It is said that the Grand Mufti of Egypt, Muhammad Abduh, had permitted interest on postal savings though the fatwa issued by him is not available now. Today, many still ask if bank interest is prohibited in Islam. Most of the jurists maintain that it is not permissible, and Muslims should not accept interest on their bank deposits. In the latter part of the 20-century many Muslim intellectuals came out with the concept of Islamic banking based on mudaraba and profit-sharing. A number of Islamic banks were started in Muslim and non-Muslim countries with a large Muslim population. Still the question continues to be asked if banking interest is permissible, and there is no unanimity of opinion on this question. Yet, there are many Islamic scholars who feel that banking interest is not prohibited by Islam. Many modern commentators of the Quran also translate riba as usury and not as simple banking interest. From Pakistan Prof Fazlur Rehman, who had migrated to the US and taught at Chicago University for a number of years, wrote a very well-argued paper on the permissibility or otherwise of banking interest. He came to the conclusion that banking interest is not prohibited. Even those who do not agree with this view must read his article. It is very scholarly and based on original sources. What is riba then? The Quran strongly condemns the institution of riba. It says, “Those who swallow usury (riba) cannot arise except as one whom the devil prostrates by (his) touch. That is because, they say, trading is only like usury. And Allah has allowed trading and forbidden usury. To whomsoever then the admonition has come from his Lord, and he desists, he shall have what has already passed. And his affair is in the hands of Allah. And whoever returns (to it) - those are the companions of Fire there they will abide.” (2275) The Quran also goes on to say, “But if you do (it) not, (i.e. continue to take riba), then be apprised of war from Allah and His Messenger; and if you repent, then you shall have your capital. Wrong not and you shall not be wronged.” (2279) Thus we see that if one continues to take riba, the Quran not only warns against it but even permits war against the usurer. Is bank interest so severe in consequences as to be warned of a war by God? Banking interest is taken and given by hundreds of thousands of Muslims all over the world, including in Islamic countries. Should Islamic states declare war against banks? No country ever does it. Let alone war, they are not given any punishment. Then what is riba? Its root meaning in Arabic is 'growth' and here obviously it is unjust growth. One should not fatten oneself at the cost of others, which leads to gross injustice in society. Our justice system overlooks the stock exchange operations, which is based on pure speculation. One either becomes a millionaire overnight or is ruined completely if share prices crash. Islam permits only just growth which one earns in a permissible way through one's hard work, physically, intellectually, or both. Speculation is strictly prohibited. For example, it is not permissible to buy a standing crop in the field as one does not know how much it would be maturing and how much will be destroyed. To buy cheap a standing crop amounts to speculation and exploitation of the peasant. Yet, many middlemen thrive on such speculations. Our justice system hardly ever condemns such practices. Many people become rich overnight by speculation using such practices. On the contrary, our jurists allow the share trade without any restrictions. There were no banks during the time Islam appeared on the scene. People used to borrow money from private moneylenders and return double or more than the actual amount. Thus we see riba was the doubling of double (3129), which ruined the poor borrowers who often borrowed either for personal needs or small trade. This is certainly condemnable and all governments should take action against such practices. Banking interest is far from ruinous and its rate is fixed by market operations to increase or decrease liquidity in case of inflation or deflation. A bank cannot be conceived as an exploiting institution. On the other hand, it is a regulatory institution facilitating financial operations between borrowers and lenders. Some jurists argue that interest is not permissible as there is no element of risk in it and its rate is fixed. There is no such argument in the Quran itself. If this argument is valid then even investing in a building and giving premises on rent will also not be permissible as rent is fixed and there is no risk involved. The Quran denounces riba as an exploitative practice leading to unjust growth, not because there is no element of risk in it. In view of the above arguments it can be argued that banking interest cannot be treated as riba and should be held permissible. The writer is an Islamic scholar who heads the Centre for Study of Society and Secularism, Mumbai. Sir is it right. Mostly all Mufties and ulamas define riba to take money from any financial institution without any struggle is riba. Please satisfy me.

Back in those days there was no fiat currency today we have fiat currency to avoid all forms of riba u have to get rid of fiat currency first. because fiat currency detoriates over time its like a rotting fruit.

Clear explanation

Good information

PREVIOUSLY, I SHARED FULL DETAILS OF SOOD FROM BAHARE SHAREEAT.

Great👍

Nice

Har cheez fana hone wali hai, farak itna hai ki koi cheez jaldi fana hoti hai koi der se.

❤

Thanks dear

Good analysis

Very good explanation about interest with reference to individual lending. I agree with you Sir. But think about business loans having period more than one year. In such situation a person uses this loan for spreading its business and earns profit. So, here the lender is rightful to receive extra amount as agreed earlier, please.

What about bank lone interest and savings account and Fix Deposite.

لاتاكلوا الربا❤❤❤❤❤🎉🎉🎉🎉🎉🎉🎉😊😊😊😊😊

Ghamedi sahib ,a towering scholar of islam.

Thank you for very detailed explanation. Banning Sud when asking for loan for help is understandable. Use of money for business and profit (or loss) is allowed - that is understandable. But why is interest considered Sud when we keep money in bank (giving not taking money) and bank (in control of money and doing business with that money and sharing some of its profits with account holders) gives you interest on that money?

i have a question........ Aj kal kon kis ko qarza deta hai ????? koi shaks bhi bila muawza kisi ki help nahi krta ...... ye islam kia kitaab ki had tak ya logon ko bataney ki had tak nahi reh gia????? ap kisi se help lein agar paisoon ki wo ap ko aisey bahaney sunay ga ap khamoosh ho jain gey...... phir paisey lenay k baad loog ap ki call tak nahi utha tey wo aik alag tention ........ ye practical nahi hai.... Aik baat jo sun ney ko bohat achi lagey lekin wo haqeeqat se bohat door ho builkul aisa hi dekhai deta hai.... Koi shaks bhi bila muawza kisi ki help nahi karta ..... Bulk kaha ye jata hai k kisi ko dushman bnana ho tou us ko paisey dey doo.....

Purchasing power of a currency gets reduced due to various reasons,, therefore investment in Bank Profit scheme/National Saving Scheme is Jayez in mine opinion. Is it true?

Great talk! And the message is we are not going to ask for extra money, other than the original amount, given to anybody in need of it. And helping others is part of our ideal day to day activities. While banking, being recent financial innovation, has certain operational rules, pivot around determining costs of deposits and lending, between institution and individuals etc. Now if we put this practice into Quranic version of RIBA, this becomes questionable and debatable, and that’s seems to be unreasonable as per Ghamdi Sahib and I personally endorse his arguments. These are not parallel practices and there’s no reason to super impose RIBA on rate of interest charged by banks or taken by depositors, and call it prohibited as per Islam. So conclusion is that Ribba and rate of interest are two different types and concepts altogether. May Allah forgive us if we are wrong in our assessment. It’s just an argument

Can loan be given & recovered in terms of gold value as rupee is depriciating every year

ہر سیاہ کام۔ کالا کرتوت سود ہے۔

السلام علیکم ورحمۃ اللہ وبرکاتہ سر سلامت رہیں آپ کی باتیں ہمارے لئے مشعل راہ ہیں

AOA Agr investment pr profit Ka demand karay ya fixed rate pr

❤❤❤❤

Good

There are 3 things , Pl expain ; 1_ A person pay Donation/ Zakat to other person. He cannot ask for its return. 2 _ A person pays loan to other person Rs 10000 for 1 month. He can ask other person to return his loan Rs 10000 after 1 month. 3 _ A person pays other person Rs 100000 on account of his share for 1 year on account of investment to other person.,s business. He can ask for profit share ,with his principle amount Rs 100000 after 1 year. Please explain this 3rd one . S.No 1 and 2 are very clear, but you explain these clear things instead of profit on investment in business, please explain it. 5_ if a person pay other person Rs 200000 on account of investment for one Year to other person,s business, the other person not pay/return profit and principle amount after oner year. What will be its implication on other person who doesn't return the principle amount and profit after one year ?

Mr Ghamidi is a great scholar. I wish his talks were translated in English so many millions could benefit from his wisdom.

What about bank entrust against agriculture Fertilizer. Please explain

ہمارے تمام مولانا اور علماء انتہائی ثقیل الفاظ استعمال کرتے ہیں جو عام انسان کی سمجھ میں نہیں آتے یہی وجہ ہے کہ لوگ مسائل کو غلط سمجھتے ہیں عام روزمرہ کے الفاظ میں بیان کریں تو لوگوں کے لئے آسانی ہوگی مگر اس سے ان علماء حضرات کی دھاک کیسے بیٹھے گی

کسی کی مجبوری سے ناجائز فایدہ اٹھانا بھی سود کے ضمرے میں اۓ گا

You are great gahmdi shab

Love you sir

Purchasing power of a currency gets reduced due to various reasons, it was may be to compensate the loss the interest concept was introduced. But in practice, it has deviated from the basic point.

اللہ تعالیٰ غامدی صاحب کی تشریحات اور شر سے سب مسلمانوں کو محفوظ فرمائیں آمین

It's a good explanation of the point he covered but it didn't cover the whole topic. He only assumed the scenario where someone has requested a favor as he/ she is in need, whereas in many cases the request is where someone is needing it for the matters related with income/ business, and there is a risk factor involved with it that the persona may/ may not be able to return it. Furthermore, you may not have the money which is more than your need but you may have kept it for your future need. He also didn't consider the ayah talking about RAAS AL MAAL, the actual lent amount. Some other scholars have different opinion about it as the RIBA is not a static situation, it is a built situation, where someone committed to return you the amount (it could be fixed interest/ variable interest based on income) but in case the person's business didn't work well, you can't force him/ her to continue paying interest, in that case what you can claim in the RAAS AL MAAL that you have given. The interest becomes RIBA/ SOOD when it involves exploitation, not a mutual agreed terms

How can one say " Mustaqbil ki zarurat se ziada" ? Kisi hadsay, kisi bemari, kisi agay honay walay nuqsaan ka k kesay pata ho sakta hai ?

زر، زر مبادلہ اور جنسِ تجارتی کے بارے میں بتائیں

Please also explain the interest rates of banks.

❤❤❤🎉🎉🎉😊😊😊 السلام علیکم جناب اعلی

اختلاف۔ آپ اپنی ضرورت سے زیادہ مال اپنے پاس رکھتے ہیں تبھی قرض یا ربا کی نوبت آتی ہے۔ اور اپنی ضرورت صاحب مال خود طے نہیں کرتا بلکہ معاشرہ طے کرتا ہے۔ ایسا نہیں کہ قحط پڑا ہے اور صاحب مال ہرن کے گوشت کو اپنی ضرورت قرار دے دے۔ غامدی صاحب کرایہ بھی تبھی لیا جاتا ھے جب اپنی ضرورت سے زیادہ جائداد ملکیت میں ہو۔ ضرورت سے زیادہ مال رکھنا یعنی انفاق نہ کرنا اور سود یا قرض کی نوبت آنا دونوں صورتیں جڑی ھوئ ہیں۔ آپ کرایہ کی وضاحت کرتے ہوئے پہلی صورت یعنی مال زائد از ضرورت کو بھول جاتے ہیں۔ قرآن بار بار مال کی تقسیم کی بات کرتا ہے اگر تقسیم ھوتی چلی جائے تو سوچئے کیا ھوگا۔ مال چند لوگوں کی تجوری میں بند ہی نہیں ھوگا

Maus kun bian.zarie zameen batae aur thaykay per dayna kia sude karobar hay?.

If it takes a loan for business extension and makes profit. Then we can fix interest. There is a takes loan for earning.

Whether banking is Sood when we do not demand any increase bank gives itself some amount over and above our principal amount by

What about mortgage? Esp for those living in the West

Kindly reply is requested on the issue raised by Ahmed Shakeb Zubairi sb..JazakAllah

With due regars and respect for Janab Ghamdi Sahib, the ayah 2:188 you referred is not pointing towards Riba, instead it is pointing to the bribery with the words "and you offer with it to the authorities so that you you eat up portion from the wealth/property of people sinfully and (indeed) you know it" One more thing to address remains that is how will the bank interest be treated. There are two main transactions when we take loans from bank one is for business purpose and we earn money with that loan other is for personal needs that we take bank loan. Also when we deposit money into bank and we get interest against this deposit. 3rd clarification is for the inflation which causes devaluation of the money. So what some one gives as loan to someone and he returns after 2 years. But when he returns the value of the money has been reduced by say 10%. How will this amount be compensated.

agar bank mien paise rahktay hain , us per islamic banks prfit ada kartaya hain ...... wo b rent hi consider kartay hain ?????

Very good analysis really appreciated 👍❤️.

Riba is usury . Soodh is interest. Riba is not regulated and amounts to extorted. Bank interest is regulated by statutory bodies where as usury is run by individuals and cannot be controlled.

what's about Installment things? Is it sood ?

Bahtrein insan

سائين حق موجود

If someone buy house from bank base on interest so will be riba or can I get loan from bank for house

What about bank interest

Thanks for the excellent explanation. Is it possible to differentiate between loan for consumption (basic need/possibly qard-e-hassna) and loan for business/investment to generate income? Will the latter situation allow for charging from the profit or creating a partnership? JazakAllah

Practically, person having loans always pays extra to its creditor , practical finance is not following any such definition .

میں نے 27 مئی کو ایک تفصیلی سوال لکھا تھا اور ایک دور حاضر کی ایک ایسی روز مرہ صورتحال پر رہنمائی کی درخواست کی تھی جو تقریبا ہر بندے کو پیش ہے مگر میرا سوال ہی اب یہاں کومنٹس پیج پر موجود نہیں ہے !!

Jo qarz de wo usd ki base per de Warna rupee tu kachra ra Takay qarz denay walay ko nuqsaan na ho Ya phir gold ke badlay de, agar 1 million qarz cheay tu dekh le uss waqt kitna gold 1 million me aaata hai Wapis bhi ussi rate per ho Warna qarz denay walay ko nuqsaan hi nuqsaan hai