Topic: Interest (Riba, )Usury
View Aspects
ٱلَّذِينَ يَأْكُلُونَ ٱلرِّبَوٰا۟ لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ ٱلَّذِى يَتَخَبَّطُهُ ٱلشَّيْطَٰنُ مِنَ ٱلْمَسِّ ۚ ذَٰلِكَ بِأَنَّهُمْ قَالُوٓا۟ إِنَّمَا ٱلْبَيْعُ مِثْلُ ٱلرِّبَوٰا۟ ۗ وَأَحَلَّ ٱللَّهُ ٱلْبَيْعَ وَحَرَّمَ ٱلرِّبَوٰا۟ ۚ فَمَن جَآءَهُۥ مَوْعِظَةٌ مِّن رَّبِّهِۦ فَٱنتَهَىٰ فَلَهُۥ مَا سَلَفَ وَأَمْرُهُۥٓ إِلَى ٱللَّهِ ۖ وَمَنْ عَادَ فَأُو۟لَٰٓئِكَ أَصْحَٰبُ ٱلنَّارِ ۖ هُمْ فِيهَا خَٰلِدُونَ
3:131; 30:40.
رِبٰوا (Riba) 的词义是:超额量或额外事物, 意指本金以上的金额 (Lane)。它包括高
利贷和利息。根据圣训, 这一定义是 “为收取利息所提供的每项贷款”。رِبٰوا 的涵义并不像一般理解的那样与 “利息” 完全相同。可是由於缺少一个较好的词, 就用 “利息” 作为粗略的等同语。实际上,一个人提供或接受一项贷款之上所规定要得到或给予的任何数目的钱都叫 “利息”, 不论这笔交易是同个人、银行、团体或邮政局或其他组织做的。“利息” 并不限于钱的范围内, 它可延伸到作为一项贷款的任何商品, 只要事先同意的一项超额量就是。
这些词意指, 正如一个疯子不顾他的行动后果那样, 放债者残忍地从不顾及他们对个人、社会甚至整个世界所作出的道德上和经济上的损害。利息也使放债者产生一种精神缺陷, 就是他一心钻在赚钱里面而对所有美好事业却麻木不仁。伊斯兰教禁止利息, 因为它会使财富集中到一小撮人手里而由此不利於财富的均衡分配。它促使放债者游手好闲, 使他丧失帮助别人的一切善心, 堵塞他对别人同情行为的所有泉源。放债者利用别人的穷困、急需而赚钱。而在另一方面, 利息使放债者利用别人急需的东西, 造成借债者一种粗心和匆忙行事的倾向, 不考虑自己还债的能力而背了债。这样, 对自己和放债者都造成道德上不可弥补的损害。利息也会引起战争。没有贷款的帮助, 战争是持续不了的。这种贷款的利息最终使战胜和战败者双方的经济都遭受毁灭。这种轻而易得的贷款制度, 使各国政府不断进行毁灭性的斗争, 因为他们能够不采用直接征税的方法而取得军费。伊斯兰教禁止各种利息。但在现代商业或事务中, 利息已成为不可分割的部分, 以致看来几乎不可能完全把它去掉。不过如果在制度、环境和情况方面发生变化的话, 像伊斯兰教过去在上升时代一样没有利息商业还是可以维持的。
最后, 可以注意的是, 鉴于现代的特殊条件, 我们周围存在着一种邪恶的利息制度网络而伊斯兰教的状况又十分衰落, 阿哈默底亚会的创始人宣称, 如果一个人被迫接受利息, 他可以这样做, 然后把这样得到的钱消费在 (a) 传播伊斯兰教, 以及 (b) 他可以同样被迫要付的钱来偿清任何利息。然而他应该严格认真地避免把这样的钱化在自己身上或家庭方面, 或利用于其他各种用途 (Al-Fadl, Fatawa)。
تَخَبَّطَہُ الشَّیْطٰنُ: مَسَّہٗ بِاَذًی شیطان نے اسے تکلیف پہنچائی (اقرب) اسی طرح کہتے ہیں تَخَبَّطَہٗ: ضَرَبَہٗ شَدِیْدًا اسے سخت مارا (اقرب) اور اَلْمَسُّ: اَلْجُنُوْنُ (اقرب) مَسّ کے معنے جنون کے ہیں۔ مِنْ بیانیہ ہے پس معنے یہ ہوئے کہ جس پر شیطان یعنی جنون نے سخت حملہ کیا ہو۔
3:131; 30:40.
Riba literally meaning, an excess or addition, signifies an addition over and above the principal sum (Lane). It covers both usury and interest. According to the Hadith "every loan advanced to draw profits" comes under this definition. The connotation of Riba is not strictly identical with "interest," as commonly understood. But for lack of a better word "interest" may be used as a rough equivalent. In fact, any sum stipulated to be received or given over and above what one advances or receives as a loan is "interest," whether the dealing is with an individual or a bank or a society or a post office or any other organisation. "Interest" is not confined to money. It extends to any commodity which is given as a loan with the condition that it will be returned with an agreed excess.
The words signify that just as a mad man is heedless of the consequences of his actions, so are the moneylenders heartlessly oblivious of the moral and economic injury they do to individuals, the society and even the world at large. Riba also causes a touch of insanity in the moneylender in the sense that his entire engrossment in profit-making renders him insensible to all good causes. Riba is prohibited in Islam because it tends to draw wealth into the hands of a small circle and thereby adversely affects its equitable distribution. It promotes idleness in the moneylenders and kills in them all incentive to help others and chokes all springs of sympathetic behaviour. The moneylender takes advantage of, and makes profit from, the need and distress of others. While on the one hand Riba causes the lender to exploit other people’s wants, it creates in the debtor a tendency to do things carelessly and in haste, incurring debt regardless of his capacity to pay back, thus doing irreparabl
3:131; 30:40.
Important Words:
ربوا (interest) is derived from ربا. They say رباالمال i.e. the money or property increased and became augmented. ربواmeans, an excess and an addition; an addition over and above the principal sum; interest. The hadith defines ربوا as کل قرض جرمنفعة فھوربا i.e. every loan advanced to draw profit comes under the definition of interest (Saghir).
یتخبطه (has smitten) is derived from خبطه i.e. he struck or beat him violently; he trod him under his feet vehemently. خبط اللیل means, he walked about in the darkness of the night without finding the true way. تخبطه means, he struck or beat him violently. تخبطه الشیطان means, Satan struck him and afflicted him with hurt or injury; Satan prostrated him (Aqrab).
المس (insanity) is derived from مس. They say مسه i.e. he touched it; or he touched it with his hand. من المرض اوالکبر فلانا means, disease or old age touched him, i.e. came on him. مسه الشیطان بنصب وعذاب means, Satan brought pain and trouble on him. المسmeans, any pain or trouble, etc. that comes to a man by coming in contact with someone or something; it also signifies madness or insanity (Aqrab & Lane).
Commentary:
The prohibition against lending money on interest is preceded by a long exhortation to exercise charity. When a person becomes accustomed to spending his wealth in charity and alms, it becomes easier for him to lend money free of interest.
The Quran prohibits all kinds of interest. In modern times, however, business has become so inseparably mixed up with interest that it appears impossible to avoid interest altogether. But if a change of system as well as of surroundings and circumstances were brought about, business without interest would establish itself in the world as was the case in the days when Islam was in ascendancy.
The clause, those who devour interest do not rise except as rises one whom Satan has smitten with insanity, means that just as a madman does not see the consequences of his actions, similarly those who lend money at interest become careless of consequences. They keep in view only their own immediate interests and do not care, and in fact generally become incapable of caring, for the great harm which they do to society and the world at large. Interest also encourages a person or a government to incur debt beyond his or its capacity and in this way also blinds them to consequences. Another way in which interest causes a touch of insanity is to weaken the sense of goodness and beneficence in man by making him over-engrossed in money-making. Interest also leads to war. Money-lenders are always creating circumstances which may cause conflict between one nation and another so that war may break out and the belligerent nations may be compelled to borrow money from them. Interest also helps to prolong war by encouraging belligerent nations to borrow money beyond their capacity. Again, interest helps the accumulation of wealth in a few hands and thereby most injuriously affects the distribution of wealth and the balance of society. Yet another manifestation of madness caused by interest is that those who pay interest have their sense of dignity lowered and they contract the habit of carelessness and hastiness, thus acquiring a resemblance to one stricken by madness. See also 2:280 below.
The words, trade also is like interest, represent the pet argument of the supporters of interest. They say interest is nothing but a form of trade. Just as in trade one invests money with a view to increasing and multiplying it, so does one in lending money at interest. But deeper thinking would reveal that there is a world of difference between the two. While interest is attended by all the evil consequences briefly referred to above, trade is not.
The words, then will that which he received in the past be his, mean that if one accepts guidance from God and desists from charging interest in future, the past will be forgiven him and God will make good the loss he may thus suffer by other means.
It should be remembered that any sum stipulated to be received or given over and above what one advances or receives as a loan is interest, whether the dealing is with an individual or a bank or a society or a post office or any other organisation. Interest is not confined to money. It extends to any commodity which is given as a loan with the condition that it will be returned with an agreed excess.
Finally, it may be noted that in view of the peculiar conditions of the present times, when there is a vicious network of the interest system surrounding us and Islam is in a greatly weakened condition, the Holy Founder of the Ahmadiyya Movement has declared that if a person is forced to accept interest, he may do so and then spend the money thus received on (a) the propagation of Islam, and (b) paying off any interest that he may similarly be forced to pay. He should, however, scrupulously avoid spending such money on himself or his family or using it in any other way (Fatawa & Al-Fadl).
f
3:131; 30:40.
206
رِبٰوا (Riba) 的词义是:超额量或额外事物, 意指本金以上的金额 (Lane)。它包括高
利贷和利息。根据圣训, 这一定义是 “为收取利息所提供的每项贷款”。رِبٰوا 的涵义并不像一般理解的那样与 “利息” 完全相同。可是由於缺少一个较好的词, 就用 “利息” 作为粗略的等同语。实际上,一个人提供或接受一项贷款之上所规定要得到或给予的任何数目的钱都叫 “利息”, 不论这笔交易是同个人、银行、团体或邮政局或其他组织做的。“利息” 并不限于钱的范围内, 它可延伸到作为一项贷款的任何商品, 只要事先同意的一项超额量就是。
207
这些词意指, 正如一个疯子不顾他的行动后果那样, 放债者残忍地从不顾及他们对个人、社会甚至整个世界所作出的道德上和经济上的损害。利息也使放债者产生一种精神缺陷, 就是他一心钻在赚钱里面而对所有美好事业却麻木不仁。伊斯兰教禁止利息, 因为它会使财富集中到一小撮人手里而由此不利於财富的均衡分配。它促使放债者游手好闲, 使他丧失帮助别人的一切善心, 堵塞他对别人同情行为的所有泉源。放债者利用别人的穷困、急需而赚钱。而在另一方面, 利息使放债者利用别人急需的东西, 造成借债者一种粗心和匆忙行事的倾向, 不考虑自己还债的能力而背了债。这样, 对自己和放债者都造成道德上不可弥补的损害。利息也会引起战争。没有贷款的帮助, 战争是持续不了的。这种贷款的利息最终使战胜和战败者双方的经济都遭受毁灭。这种轻而易得的贷款制度, 使各国政府不断进行毁灭性的斗争, 因为他们能够不采用直接征税的方法而取得军费。伊斯兰教禁止各种利息。但在现代商业或事务中, 利息已成为不可分割的部分, 以致看来几乎不可能完全把它去掉。不过如果在制度、环境和情况方面发生变化的话, 像伊斯兰教过去在上升时代一样没有利息商业还是可以维持的。
最后, 可以注意的是, 鉴于现代的特殊条件, 我们周围存在着一种邪恶的利息制度网络而伊斯兰教的状况又十分衰落, 阿哈默底亚会的创始人宣称, 如果一个人被迫接受利息, 他可以这样做, 然后把这样得到的钱消费在 (a) 传播伊斯兰教, 以及 (b) 他可以同样被迫要付的钱来偿清任何利息。然而他应该严格认真地避免把这样的钱化在自己身上或家庭方面, 或利用于其他各种用途 (Al-Fadl, Fatawa)。
1
تَخَبَّطَہُ الشَّیْطٰنُ: مَسَّہٗ بِاَذًی شیطان نے اسے تکلیف پہنچائی (اقرب) اسی طرح کہتے ہیں تَخَبَّطَہٗ: ضَرَبَہٗ شَدِیْدًا اسے سخت مارا (اقرب) اور اَلْمَسُّ: اَلْجُنُوْنُ (اقرب) مَسّ کے معنے جنون کے ہیں۔ مِنْ بیانیہ ہے پس معنے یہ ہوئے کہ جس پر شیطان یعنی جنون نے سخت حملہ کیا ہو۔
a
3:131; 30:40.
282
Important Words:
ربوا (interest) is derived from ربا. They say رباالمال i.e. the money or property increased and became augmented. ربواmeans, an excess and an addition; an addition over and above the principal sum; interest. The hadith defines ربوا as کل قرض جرمنفعة فھوربا i.e. every loan advanced to draw profit comes under the definition of interest (Saghir).
یتخبطه (has smitten) is derived from خبطه i.e. he struck or beat him violently; he trod him under his feet vehemently. خبط اللیل means, he walked about in the darkness of the night without finding the true way. تخبطه means, he struck or beat him violently. تخبطه الشیطان means, Satan struck him and afflicted him with hurt or injury; Satan prostrated him (Aqrab).
المس (insanity) is derived from مس. They say مسه i.e. he touched it; or he touched it with his hand. من المرض اوالکبر فلانا means, disease or old age touched him, i.e. came on him. مسه الشیطان بنصب وعذاب means, Satan brought pain and trouble on him. المسmeans, any pain or trouble, etc. that comes to a man by coming in contact with someone or something; it also signifies madness or insanity (Aqrab & Lane).
Commentary:
The prohibition against lending money on interest is preceded by a long exhortation to exercise charity. When a person becomes accustomed to spending his wealth in charity and alms, it becomes easier for him to lend money free of interest.
The Quran prohibits all kinds of interest. In modern times, however, business has become so inseparably mixed up with interest that it appears impossible to avoid interest altogether. But if a change of system as well as of surroundings and circumstances were brought about, business without interest would establish itself in the world as was the case in the days when Islam was in ascendancy.
The clause, those who devour interest do not rise except as rises one whom Satan has smitten with insanity, means that just as a madman does not see the consequences of his actions, similarly those who lend money at interest become careless of consequences. They keep in view only their own immediate interests and do not care, and in fact generally become incapable of caring, for the great harm which they do to society and the world at large. Interest also encourages a person or a government to incur debt beyond his or its capacity and in this way also blinds them to consequences. Another way in which interest causes a touch of insanity is to weaken the sense of goodness and beneficence in man by making him over-engrossed in money-making. Interest also leads to war. Money-lenders are always creating circumstances which may cause conflict between one nation and another so that war may break out and the belligerent nations may be compelled to borrow money from them. Interest also helps to prolong war by encouraging belligerent nations to borrow money beyond their capacity. Again, interest helps the accumulation of wealth in a few hands and thereby most injuriously affects the distribution of wealth and the balance of society. Yet another manifestation of madness caused by interest is that those who pay interest have their sense of dignity lowered and they contract the habit of carelessness and hastiness, thus acquiring a resemblance to one stricken by madness. See also 2:280 below.
The words, trade also is like interest, represent the pet argument of the supporters of interest. They say interest is nothing but a form of trade. Just as in trade one invests money with a view to increasing and multiplying it, so does one in lending money at interest. But deeper thinking would reveal that there is a world of difference between the two. While interest is attended by all the evil consequences briefly referred to above, trade is not.
The words, then will that which he received in the past be his, mean that if one accepts guidance from God and desists from charging interest in future, the past will be forgiven him and God will make good the loss he may thus suffer by other means.
It should be remembered that any sum stipulated to be received or given over and above what one advances or receives as a loan is interest, whether the dealing is with an individual or a bank or a society or a post office or any other organisation. Interest is not confined to money. It extends to any commodity which is given as a loan with the condition that it will be returned with an agreed excess.
Finally, it may be noted that in view of the peculiar conditions of the present times, when there is a vicious network of the interest system surrounding us and Islam is in a greatly weakened condition, the Holy Founder of the Ahmadiyya Movement has declared that if a person is forced to accept interest, he may do so and then spend the money thus received on (a) the propagation of Islam, and (b) paying off any interest that he may similarly be forced to pay. He should, however, scrupulously avoid spending such money on himself or his family or using it in any other way (Fatawa & Al-Fadl).
c
3:131; 30:40.
350
Riba literally meaning, an excess or addition, signifies an addition over and above the principal sum (Lane). It covers both usury and interest. According to the Hadith "every loan advanced to draw profits" comes under this definition. The connotation of Riba is not strictly identical with "interest," as commonly understood. But for lack of a better word "interest" may be used as a rough equivalent. In fact, any sum stipulated to be received or given over and above what one advances or receives as a loan is "interest," whether the dealing is with an individual or a bank or a society or a post office or any other organisation. "Interest" is not confined to money. It extends to any commodity which is given as a loan with the condition that it will be returned with an agreed excess.
351
The words signify that just as a mad man is heedless of the consequences of his actions, so are the moneylenders heartlessly oblivious of the moral and economic injury they do to individuals, the society and even the world at large. Riba also causes a touch of insanity in the moneylender in the sense that his entire engrossment in profit-making renders him insensible to all good causes. Riba is prohibited in Islam because it tends to draw wealth into the hands of a small circle and thereby adversely affects its equitable distribution. It promotes idleness in the moneylenders and kills in them all incentive to help others and chokes all springs of sympathetic behaviour. The moneylender takes advantage of, and makes profit from, the need and distress of others. While on the one hand Riba causes the lender to exploit other people’s wants, it creates in the debtor a tendency to do things carelessly and in haste, incurring debt regardless of his capacity to pay back, thus doing irreparabl
يَمْحَقُ ٱللَّهُ ٱلرِّبَوٰا۟ وَيُرْبِى ٱلصَّدَقَٰتِ ۗ وَٱللَّهُ لَا يُحِبُّ كُلَّ كَفَّارٍ أَثِيمٍ
30:40.
يَمْحَقُ (Yamhaqu, 废除, 消灭) 由 مَحَقَ (Mahaqa) 衍生而出, 其意思是, 他废除或取消或消灭了一件事物; 他歼灭了它; 他使一件事物缺乏不足并使它丧失增加的良好机会。
这节经文不仅暗示安拉正在消灭利息, 并且宣称它是不合法的, 而且暗示利息将从世界上消灭而代之以慈善事业和施舍物的时间既将来到。这一许诺首先由伊斯兰教在东方和西方的优势来实现; 而现在主许迈喜哈已降临, 预言了伊斯兰教在全世界将第二次兴起, 这一许诺将由伊斯兰教在世界各地再度占优势而重新实现。
“安拉消灭利息而增进施舍,”这句话也包含世界昌盛的奥秘。如果各个国家想要昌盛, 它们应该禁止收付利息而代之以施舍、慈善事业。注意 يُرْبِی (Yurbi, 将使……增加) 此词与 رِبٰوا (Riba, 利息) 出自同一词根, 这是很有趣的。因此这句就美妙地暗示, 这个世界把收取利息看作生财之道, 而真正的生财之道在于慈善事业。这句话也意指, 安拉与人们打交道时将仁慈地对待那些把财富消费在慈善事业的人, 使他们最后将繁荣昌盛, 而那些为利息贷款或借款的人将受到安拉的惩罚。
اس پر اعتراض ہوتا ہے کہ مسیحی اور یہود اور ہندو جو سود لیتے ہیں ان کا کاروبار ترقی کر رہا ہے اور مسلمانوں کا کاروبار گھٹ رہا ہے۔ اس کا جواب یہ ہے کہ یہ پیشگوئی ہے جس میں بتایا گیا ہے کہ آخر سود لینے والی قوموں کو اللہ تعالیٰ تباہ کر دے گا اور سودنہ لینے والے اس تباہی سے بچ جائیں گے۔ چنانچہ جرمنی میں سود کے خلاف سخت مہم جاری ہے اور اسی طرح بعض اور ملکوں میں بھی۔
30:40.
Important Words:
یمحق (abolish) is derived from محق which means, he abolished or annulled or obliterated a thing; he annihilated it; he rendered a thing deficient and deprived it of its blessing of increase (Aqrab).
یربی (will cause to increase) is from the same root as ربا (interest) for which see 2:276.
Commentary:
The verse hints not only that Allah is abolishing interest and declaring it to be unlawful but that a time is coming when interest will he blotted out from the world and charity and alms will take its place. This promise was first fulfilled by the ascendancy of Islam in the East and the West, and now that the Promised Messiah, with whose advent the second and universal rise of Islam has been prophesied, has appeared, the promise will again be fulfilled by the re-ascendancy of Islam in the four corners of the world.
The words, Allah will abolish interest and will cause charity to increase, also contain the secret of world prosperity. If nations desire to prosper, they should stop the giving and taking of interest and practise charity instead. It is of interest to note that the word یربی (will cause to increase) is from the same root as ربا (interest). The clause thus beautifully hints that whereas the world looks upon the taking of interest as a means of increase, the real means thereof lies in charity. The words also mean that God, in His dealings with men, will deal kindly by those who spend their wealth in charity so that they will eventually prosper and thrive, while those who lend or borrow money at interest will be punished by God.
a
30:40.
208
يَمْحَقُ (Yamhaqu, 废除, 消灭) 由 مَحَقَ (Mahaqa) 衍生而出, 其意思是, 他废除或取消或消灭了一件事物; 他歼灭了它; 他使一件事物缺乏不足并使它丧失增加的良好机会。
这节经文不仅暗示安拉正在消灭利息, 并且宣称它是不合法的, 而且暗示利息将从世界上消灭而代之以慈善事业和施舍物的时间既将来到。这一许诺首先由伊斯兰教在东方和西方的优势来实现; 而现在主许迈喜哈已降临, 预言了伊斯兰教在全世界将第二次兴起, 这一许诺将由伊斯兰教在世界各地再度占优势而重新实现。
“安拉消灭利息而增进施舍,”这句话也包含世界昌盛的奥秘。如果各个国家想要昌盛, 它们应该禁止收付利息而代之以施舍、慈善事业。注意 يُرْبِی (Yurbi, 将使……增加) 此词与 رِبٰوا (Riba, 利息) 出自同一词根, 这是很有趣的。因此这句就美妙地暗示, 这个世界把收取利息看作生财之道, 而真正的生财之道在于慈善事业。这句话也意指, 安拉与人们打交道时将仁慈地对待那些把财富消费在慈善事业的人, 使他们最后将繁荣昌盛, 而那些为利息贷款或借款的人将受到安拉的惩罚。
2
اس پر اعتراض ہوتا ہے کہ مسیحی اور یہود اور ہندو جو سود لیتے ہیں ان کا کاروبار ترقی کر رہا ہے اور مسلمانوں کا کاروبار گھٹ رہا ہے۔ اس کا جواب یہ ہے کہ یہ پیشگوئی ہے جس میں بتایا گیا ہے کہ آخر سود لینے والی قوموں کو اللہ تعالیٰ تباہ کر دے گا اور سودنہ لینے والے اس تباہی سے بچ جائیں گے۔ چنانچہ جرمنی میں سود کے خلاف سخت مہم جاری ہے اور اسی طرح بعض اور ملکوں میں بھی۔
a
30:40.
283
Important Words:
یمحق (abolish) is derived from محق which means, he abolished or annulled or obliterated a thing; he annihilated it; he rendered a thing deficient and deprived it of its blessing of increase (Aqrab).
یربی (will cause to increase) is from the same root as ربا (interest) for which see 2:276.
Commentary:
The verse hints not only that Allah is abolishing interest and declaring it to be unlawful but that a time is coming when interest will he blotted out from the world and charity and alms will take its place. This promise was first fulfilled by the ascendancy of Islam in the East and the West, and now that the Promised Messiah, with whose advent the second and universal rise of Islam has been prophesied, has appeared, the promise will again be fulfilled by the re-ascendancy of Islam in the four corners of the world.
The words, Allah will abolish interest and will cause charity to increase, also contain the secret of world prosperity. If nations desire to prosper, they should stop the giving and taking of interest and practise charity instead. It is of interest to note that the word یربی (will cause to increase) is from the same root as ربا (interest). The clause thus beautifully hints that whereas the world looks upon the taking of interest as a means of increase, the real means thereof lies in charity. The words also mean that God, in His dealings with men, will deal kindly by those who spend their wealth in charity so that they will eventually prosper and thrive, while those who lend or borrow money at interest will be punished by God.
a
30:40.
352
This seems to be a prophecy that economics based on interest will eventually disappear or will be destroyed.
يَٰٓأَيُّهَا ٱلَّذِينَ ءَامَنُوا۟ ٱتَّقُوا۟ ٱللَّهَ وَذَرُوا۟ مَا بَقِىَ مِنَ ٱلرِّبَوٰٓا۟ إِن كُنتُم مُّؤْمِنِينَ
Commentary:
The verse hints that the taking of interest is against God-fearingness. The Creator loves goodness and beneficence towards the poor and the needy, fair and equitable distribution of wealth among people, and peace among the nations of the world; but the system of interest strikes at the very root of these blessings. The closing words of the verse hint that the taking of interest is also against true belief.
285
Commentary:
The verse hints that the taking of interest is against God-fearingness. The Creator loves goodness and beneficence towards the poor and the needy, fair and equitable distribution of wealth among people, and peace among the nations of the world; but the system of interest strikes at the very root of these blessings. The closing words of the verse hint that the taking of interest is also against true belief.
فَإِن لَّمْ تَفْعَلُوا۟ فَأْذَنُوا۟ بِحَرْبٍ مِّنَ ٱللَّهِ وَرَسُولِهِۦ ۖ وَإِن تُبْتُمْ فَلَكُمْ رُءُوسُ أَمْوَٰلِكُمْ لَا تَظْلِمُونَ وَلَا تُظْلَمُونَ
عربی میں رُءُ وْسُ اَمْوَالِکُمْ یعنی راس المال کا لفظ جمع ہے۔ مگر اردو میں یہ لفظ جمع استعمال نہیں ہوتا۔ اس لئے ترجمہ مفرد لفظ سے کیا گیا ہے۔ لفظی ترجمہ ہوتا تو کہتے تمہارے وہ اموال جو تم نے قرض دئے ہوئے ہیں وہ تمہارے لئے ہیں۔
Important Words:
فاذنوا (then beware of) is derived from اذن. They say اذن له i.e. he gave ear or listened to it or him; he permitted, or allowed him. أذن بالشیء means, he knew the thing; or he became informed or apprised of it. آذنه بالامر means, he made him to know the thing; or he notified or announced it to him. أذن (adhdhana) or تأذن (ta’adhdhana) means, he made known or notified or announced (Lane).
حرب (war) is from حرب. They say حربه i.e. he despoiled him of his wealth and property, leaving him without anything. حرب (hariba) means, he became greatly angry, or wrathful. الحرب means, war; hostilities (Aqrab).
رؤس اموالکم (your original sums). رؤس is the plural of رأس meaning: (1) head; (2) the upper or higher part or end of a thing; (3) chief or leader of a society. رأس الشھر means, the first day of the month. The word رأس also signifies the thing itself; as they say ھوقسم برأسه i.e. this is an independent species in itself. رأس المال means, the original sum without interest; principal; capital. The Arabs say اقرضنی عشرة برؤسھا i.e. he lent me a loan of ten pieces of money without interest (Aqrab & Lane).
Commentary:
The verse declares that the taking of interest is tantamount to waging war against God. It may be inferred from this that those among Muslims who lend money at interest, should be boycotted by the rest of the community. History bears testimony to the fact that such Muslim States as borrowed or lent money at interest were ruined.
It is often objected that no trade or commerce is possible without interest. This is not correct. There is no natural relation between trade and interest. The latter has become unconsciously associated with the former, as Western countries have based their commercial system on credit. If this had not been so, commerce would not have been dependent upon interest. Only a few hundred years ago, Muslims were responsible for a large part of the world’s commerce, and yet they carried it on without interest. They used to borrow money even from the poorer classes by way of partnership loans, and the commerce carried on by them thus contributed directly to the welfare of those classes. Interest is not at all essential for commerce, but as commerce is now being carried on, on the basis of interest, it appears as if without interest it would come to a standstill. No doubt, a change in the system would at first be inconvenient but the system of commerce depending upon interest can certainly be discarded.
Interest is, in fact, a leech which is fast sucking away the blood of humanity, especially of the lower and middle classes. Even the upper classes are not entirely secure against its poison, but they are deriving a false enjoyment from it like the proverbial leopard who ate away his own tongue by rubbing it against a rough stone, foolishly thinking it to be the blood and flesh of another animal. Unfortunately those who are willing to forego it are too weak to withstand the force of the current system.
The system of credit prevailing in Western countries is destructive to the peace of the world in two ways. On the one hand, it helps the accumulation of wealth in a few hands and, on the other, it facilitates war. No government can be imagined as entering upon a great war unless it relies upon its ability to raise money by means of loans carrying interest. Long and devastating wars are made possible only by the institution of interest. If huge loans on interest were not possible, many countries would refuse to enter what appeared to be a long war; and if they entered such wars at all, they would certainly hasten to withdraw from them long before they actually terminated, for their treasuries would become empty and their people would revolt in protest against the criminal waste of men and money. But the system of what appear to be easy loans makes it possible for governments to carry on ruinous struggles as they are able to obtain the sinews of war without having to resort to a system of direct taxation. The people of belligerent countries do not, at the moment, feel the burden which is laid on their backs, but after the war is over their backs are bent double under the staggering weight of national debts and future generations are kept busy reducing the weight. Take, for instance, the case of the last Great War. If huge loans had not been possible, the result of the war would still have been the same, but the devastation and the heavy indebtedness of the different countries would have been avoided. Nay, the War itself might have been avoided; and even if it had taken place, the belligerents would soon have been exhausted, peace would have been signed within a year, and the world would have proceeded on its forward march of progress. A worse fate is perhaps awaiting the Western countries at the termination of the present World War.
1
عربی میں رُءُ وْسُ اَمْوَالِکُمْ یعنی راس المال کا لفظ جمع ہے۔ مگر اردو میں یہ لفظ جمع استعمال نہیں ہوتا۔ اس لئے ترجمہ مفرد لفظ سے کیا گیا ہے۔ لفظی ترجمہ ہوتا تو کہتے تمہارے وہ اموال جو تم نے قرض دئے ہوئے ہیں وہ تمہارے لئے ہیں۔
286
Important Words:
فاذنوا (then beware of) is derived from اذن. They say اذن له i.e. he gave ear or listened to it or him; he permitted, or allowed him. أذن بالشیء means, he knew the thing; or he became informed or apprised of it. آذنه بالامر means, he made him to know the thing; or he notified or announced it to him. أذن (adhdhana) or تأذن (ta’adhdhana) means, he made known or notified or announced (Lane).
حرب (war) is from حرب. They say حربه i.e. he despoiled him of his wealth and property, leaving him without anything. حرب (hariba) means, he became greatly angry, or wrathful. الحرب means, war; hostilities (Aqrab).
رؤس اموالکم (your original sums). رؤس is the plural of رأس meaning: (1) head; (2) the upper or higher part or end of a thing; (3) chief or leader of a society. رأس الشھر means, the first day of the month. The word رأس also signifies the thing itself; as they say ھوقسم برأسه i.e. this is an independent species in itself. رأس المال means, the original sum without interest; principal; capital. The Arabs say اقرضنی عشرة برؤسھا i.e. he lent me a loan of ten pieces of money without interest (Aqrab & Lane).
Commentary:
The verse declares that the taking of interest is tantamount to waging war against God. It may be inferred from this that those among Muslims who lend money at interest, should be boycotted by the rest of the community. History bears testimony to the fact that such Muslim States as borrowed or lent money at interest were ruined.
It is often objected that no trade or commerce is possible without interest. This is not correct. There is no natural relation between trade and interest. The latter has become unconsciously associated with the former, as Western countries have based their commercial system on credit. If this had not been so, commerce would not have been dependent upon interest. Only a few hundred years ago, Muslims were responsible for a large part of the world’s commerce, and yet they carried it on without interest. They used to borrow money even from the poorer classes by way of partnership loans, and the commerce carried on by them thus contributed directly to the welfare of those classes. Interest is not at all essential for commerce, but as commerce is now being carried on, on the basis of interest, it appears as if without interest it would come to a standstill. No doubt, a change in the system would at first be inconvenient but the system of commerce depending upon interest can certainly be discarded.
Interest is, in fact, a leech which is fast sucking away the blood of humanity, especially of the lower and middle classes. Even the upper classes are not entirely secure against its poison, but they are deriving a false enjoyment from it like the proverbial leopard who ate away his own tongue by rubbing it against a rough stone, foolishly thinking it to be the blood and flesh of another animal. Unfortunately those who are willing to forego it are too weak to withstand the force of the current system.
The system of credit prevailing in Western countries is destructive to the peace of the world in two ways. On the one hand, it helps the accumulation of wealth in a few hands and, on the other, it facilitates war. No government can be imagined as entering upon a great war unless it relies upon its ability to raise money by means of loans carrying interest. Long and devastating wars are made possible only by the institution of interest. If huge loans on interest were not possible, many countries would refuse to enter what appeared to be a long war; and if they entered such wars at all, they would certainly hasten to withdraw from them long before they actually terminated, for their treasuries would become empty and their people would revolt in protest against the criminal waste of men and money. But the system of what appear to be easy loans makes it possible for governments to carry on ruinous struggles as they are able to obtain the sinews of war without having to resort to a system of direct taxation. The people of belligerent countries do not, at the moment, feel the burden which is laid on their backs, but after the war is over their backs are bent double under the staggering weight of national debts and future generations are kept busy reducing the weight. Take, for instance, the case of the last Great War. If huge loans had not been possible, the result of the war would still have been the same, but the devastation and the heavy indebtedness of the different countries would have been avoided. Nay, the War itself might have been avoided; and even if it had taken place, the belligerents would soon have been exhausted, peace would have been signed within a year, and the world would have proceeded on its forward march of progress. A worse fate is perhaps awaiting the Western countries at the termination of the present World War.
وَإِن كَانَ ذُو عُسْرَةٍ فَنَظِرَةٌ إِلَىٰ مَيْسَرَةٍ ۚ وَأَن تَصَدَّقُوا۟ خَيْرٌ لَّكُمْ ۖ إِن كُنتُمْ تَعْلَمُونَ
伊斯兰教竭力规劝贷款给人家, 但是贷款应当是无息而行善的。借款到期要还债时, 如果借债人觉得自己处境穷困, 要给他一段暂缓的时间, 直到他觉得自己较宽裕时才归还。
کَانَ دو قسم کا ہوتا ہے۔ تامہ بھی اور ناقصہ بھی۔ ناقصہ تو اسم اور خبر پر آتا ہے جیسے کَانَ الْبُسْتَانُ مُثْمِرًا باغ میں پھل لگے ہوئے ہیں اور تامہ وہ ہے جو مفرد فعل کے معنے دیتا ہے اور اس کے بعد کا اسم اس کا فاعل ہوتا ہے اس کے کئی معنے ہوتے ہیں مثلاً واقع ہوا‘ ثابت ہوا‘ موجود ہوا‘ حاضر ہوا۔ (اقرب) اس جگہ پر ’’حاضر ہوا‘‘ کے معنے ہیں اور کان تامہ ہے۔ مراد یہ ہے کہ اگر کوئی تنگ حال ہو کر کہے کہ میں تو یکدم قرض ادا نہیں کر سکتا تو خود راس المال کی وصولی میں بھی التوا کر دینا چاہیے۔
Islam urges the giving of loans but they should be beneficent loans, without interest. If the debtor finds himself in straitened circumstances when the time for the repayment of a loan arrives, he should be granted respite till he finds himself in easier circumstances.
Commentary:
The preceding verse enjoined the taking back of the original sums only. The present verse further exhorts the creditor to grant delay to a debtor in straitened circumstances.
Creditors are exhorted to deal kindly and beneficently with their brethren so that God may also (deal with them kindly. They should remember that if they have advanced loans to others, God has also advanced certain loans to them by conferring on them His numberless favours and bounties; and if they have a right to charge interest, God has also a right to make heavy demands from them, but He does not. And if He did, what would be the fate of man?
209
伊斯兰教竭力规劝贷款给人家, 但是贷款应当是无息而行善的。借款到期要还债时, 如果借债人觉得自己处境穷困, 要给他一段暂缓的时间, 直到他觉得自己较宽裕时才归还。
2
کَانَ دو قسم کا ہوتا ہے۔ تامہ بھی اور ناقصہ بھی۔ ناقصہ تو اسم اور خبر پر آتا ہے جیسے کَانَ الْبُسْتَانُ مُثْمِرًا باغ میں پھل لگے ہوئے ہیں اور تامہ وہ ہے جو مفرد فعل کے معنے دیتا ہے اور اس کے بعد کا اسم اس کا فاعل ہوتا ہے اس کے کئی معنے ہوتے ہیں مثلاً واقع ہوا‘ ثابت ہوا‘ موجود ہوا‘ حاضر ہوا۔ (اقرب) اس جگہ پر ’’حاضر ہوا‘‘ کے معنے ہیں اور کان تامہ ہے۔ مراد یہ ہے کہ اگر کوئی تنگ حال ہو کر کہے کہ میں تو یکدم قرض ادا نہیں کر سکتا تو خود راس المال کی وصولی میں بھی التوا کر دینا چاہیے۔
287
Commentary:
The preceding verse enjoined the taking back of the original sums only. The present verse further exhorts the creditor to grant delay to a debtor in straitened circumstances.
Creditors are exhorted to deal kindly and beneficently with their brethren so that God may also (deal with them kindly. They should remember that if they have advanced loans to others, God has also advanced certain loans to them by conferring on them His numberless favours and bounties; and if they have a right to charge interest, God has also a right to make heavy demands from them, but He does not. And if He did, what would be the fate of man?
353
Islam urges the giving of loans but they should be beneficent loans, without interest. If the debtor finds himself in straitened circumstances when the time for the repayment of a loan arrives, he should be granted respite till he finds himself in easier circumstances.
يَٰٓأَيُّهَا ٱلَّذِينَ ءَامَنُوا۟ لَا تَأْكُلُوا۟ ٱلرِّبَوٰٓا۟ أَضْعَٰفًا مُّضَٰعَفَةً ۖ وَٱتَّقُوا۟ ٱللَّهَ لَعَلَّكُمْ تُفْلِحُونَ
2:276; 30:40.
此处 اَضْعَافًا مُضٰعَفَةْ (Ad‘afan Muda‘afah) 无限增加不是用作修饰语来限定利息(رِبٰوا, Riba) 的意思,从而才把它限定为某种利息。这些词被用作为描述性字句来表明不断增加的利息的固有特性。虽然现在基督教国家收取利息是合法的, 但为穆撒所禁止的 («出埃及记» 22:25; «利未记» 25:36, 37; «申命记» 23:19, 20)。本节经文的意思不是说利率适当的利息是允许的, 只是不允许高利率利息吧了。要禁止一切利息, 不管 (利率) 是适度的还是过高的。还用了(Ad‘afan Muda‘afah) (重复加培) 这些词, 只是为了说明在穆圣时代这是非常流行的一种作法。因而提到对利息的严格限制只是为了揭示它的凶恶, 否则, 一切利息都是被禁止的。这在2:276-281中已陈述得很清楚。在论述战争这题目时, 提及关于利息的戒律是十分有意义的。在2:280中也提到与战争这题目有关系的禁止利息。这说明战争与利息相互关系密切--------现代战争充分证实的一个事实。事实上, 利息确是战争的原因之一, 并且起着延长战争的作用。
چونکہ سود روپیہ کو آسانی سے بڑھا دیتا ہے اس لئے فرمایا کہ سودنہ کھایا کرو۔ جو بغیر محنت کے مال کو بڑھاتا چلا جاتا ہے۔
2:276; 30:40.
The words Ad‘afan Muda‘afah are not used here as a qualifying phrase to restrict the meaning of Riba (interest) so as to confine it to a particular kind of interest. They are used as a descriptive clause to point to the inherent nature of Riba (interest) which continually goes on increasing. The charging of interest, although now legalized by Christian nations, was prohibited by Moses (Exod. 22: 25; Lev. 25: 36, 37; Deut. 23: 19, 20). The verse does not mean that interest is permissible at a moderate rate, only a high rate having been disallowed. All interest is prohibited, whether moderate or excessive; and the words Ad‘afan Muda‘afah rendered as, involving multiple additions, have been added only to point to the practice actually in vogue in the time of the Holy Prophet. Thus the extreme limit has been mentioned merely to bring out its heinousness, otherwise, all interest is prohibited, as clearly stated in 2:276-281. Mention of the commandment about the prohibi
2:276; 30:40.
Important Words:
الربوا (interest). See 2:276.
اضعافا مضاعفة (involving diverse additions). اضعاف is the plural of ضعف which originally means, the like of a thing. In its wider significance, the word means the like of a thing or more than that indefinitely. So اضعاف means, manifold or simply a great addition, the addition being unlimited. مضاعفة is the infinitive of ضاعف. They say ضاعفه i.e. he doubled it or trebled it, or redoubled it, or simply increased it indefinitely (Aqrab & Taj). The expression اضعافا مضاعفة would mean, increased manifold; or increased indefinitely. It should be noted that the words اضعافا مضاعفة are not used here as a qualifying phrase to restrict the meaning of ربوا (interest) so as to confine it to a particular kind of interest. They are used as a descriptive cause to point to the inherent nature of ربوا (interest) which involves a continual increase that never ends.
Commentary:
The charging of interest, although now legalized by Christian nations, was prohibited by Moses (see Exod. 22:25; Lev. 25:36, 37; Deut. 23:19).
The verse does not mean that usury is permissible at a moderate rate, only a high rate being disallowed. All interest is prohibited, whether moderate or excessive; and the words اضعافا مضاعفة rendered as, involving diverse additions, have been added only to point to the practice that was actually in vogue in the time of the Prophet. Thus the extreme limit has been mentioned merely to bring out its heinousness whereas, in fact, all interest is prohibited, as clearly stated in 2:276-281.
The mention of the prohibition of interest while dealing with the subject of war is significant. We find that in 2:276-281 the prohibition of interest has also been mentioned in connection with the question of war. This shows that war and interest are closely related to one another - a fact amply borne out by the history of modern times. As a matter of fact, interest is one of the causes of war, and it also helps to prolong it. If there were no lending and borrowing at interest, wars could not be prolonged. If it is asked how the expenses of war are to be met in Islam, if money is not to be borrowed on interest, the answer is that when an aggressive war is forced upon Muslims, they are required to make free contributions for the sake of their religion and country. Suitable taxes also provide a fair means to meet the expenses of war, and taxes automatically prove a check on the undue prolongation of hostilities. See also 2:276, 277; 2:279, 280.
The mention of the prohibition of interest in connection with wars also shows that the verses of the Quran have not been thrown together at random but that there runs a wise and natural order through them.
c
2:276; 30:40.
279
此处 اَضْعَافًا مُضٰعَفَةْ (Ad‘afan Muda‘afah) 无限增加不是用作修饰语来限定利息(رِبٰوا, Riba) 的意思,从而才把它限定为某种利息。这些词被用作为描述性字句来表明不断增加的利息的固有特性。虽然现在基督教国家收取利息是合法的, 但为穆撒所禁止的 («出埃及记» 22:25; «利未记» 25:36, 37; «申命记» 23:19, 20)。本节经文的意思不是说利率适当的利息是允许的, 只是不允许高利率利息吧了。要禁止一切利息, 不管 (利率) 是适度的还是过高的。还用了(Ad‘afan Muda‘afah) (重复加培) 这些词, 只是为了说明在穆圣时代这是非常流行的一种作法。因而提到对利息的严格限制只是为了揭示它的凶恶, 否则, 一切利息都是被禁止的。这在2:276-281中已陈述得很清楚。在论述战争这题目时, 提及关于利息的戒律是十分有意义的。在2:280中也提到与战争这题目有关系的禁止利息。这说明战争与利息相互关系密切--------现代战争充分证实的一个事实。事实上, 利息确是战争的原因之一, 并且起着延长战争的作用。
3
چونکہ سود روپیہ کو آسانی سے بڑھا دیتا ہے اس لئے فرمایا کہ سودنہ کھایا کرو۔ جو بغیر محنت کے مال کو بڑھاتا چلا جاتا ہے۔
a
2:276; 30:40.
415
Important Words:
الربوا (interest). See 2:276.
اضعافا مضاعفة (involving diverse additions). اضعاف is the plural of ضعف which originally means, the like of a thing. In its wider significance, the word means the like of a thing or more than that indefinitely. So اضعاف means, manifold or simply a great addition, the addition being unlimited. مضاعفة is the infinitive of ضاعف. They say ضاعفه i.e. he doubled it or trebled it, or redoubled it, or simply increased it indefinitely (Aqrab & Taj). The expression اضعافا مضاعفة would mean, increased manifold; or increased indefinitely. It should be noted that the words اضعافا مضاعفة are not used here as a qualifying phrase to restrict the meaning of ربوا (interest) so as to confine it to a particular kind of interest. They are used as a descriptive cause to point to the inherent nature of ربوا (interest) which involves a continual increase that never ends.
Commentary:
The charging of interest, although now legalized by Christian nations, was prohibited by Moses (see Exod. 22:25; Lev. 25:36, 37; Deut. 23:19).
The verse does not mean that usury is permissible at a moderate rate, only a high rate being disallowed. All interest is prohibited, whether moderate or excessive; and the words اضعافا مضاعفة rendered as, involving diverse additions, have been added only to point to the practice that was actually in vogue in the time of the Prophet. Thus the extreme limit has been mentioned merely to bring out its heinousness whereas, in fact, all interest is prohibited, as clearly stated in 2:276-281.
The mention of the prohibition of interest while dealing with the subject of war is significant. We find that in 2:276-281 the prohibition of interest has also been mentioned in connection with the question of war. This shows that war and interest are closely related to one another - a fact amply borne out by the history of modern times. As a matter of fact, interest is one of the causes of war, and it also helps to prolong it. If there were no lending and borrowing at interest, wars could not be prolonged. If it is asked how the expenses of war are to be met in Islam, if money is not to be borrowed on interest, the answer is that when an aggressive war is forced upon Muslims, they are required to make free contributions for the sake of their religion and country. Suitable taxes also provide a fair means to meet the expenses of war, and taxes automatically prove a check on the undue prolongation of hostilities. See also 2:276, 277; 2:279, 280.
The mention of the prohibition of interest in connection with wars also shows that the verses of the Quran have not been thrown together at random but that there runs a wise and natural order through them.
a
2:276; 30:40.
477
The words Ad‘afan Muda‘afah are not used here as a qualifying phrase to restrict the meaning of Riba (interest) so as to confine it to a particular kind of interest. They are used as a descriptive clause to point to the inherent nature of Riba (interest) which continually goes on increasing. The charging of interest, although now legalized by Christian nations, was prohibited by Moses (Exod. 22: 25; Lev. 25: 36, 37; Deut. 23: 19, 20). The verse does not mean that interest is permissible at a moderate rate, only a high rate having been disallowed. All interest is prohibited, whether moderate or excessive; and the words Ad‘afan Muda‘afah rendered as, involving multiple additions, have been added only to point to the practice actually in vogue in the time of the Holy Prophet. Thus the extreme limit has been mentioned merely to bring out its heinousness, otherwise, all interest is prohibited, as clearly stated in 2:276-281. Mention of the commandment about the prohibi
وَأَخْذِهِمُ ٱلرِّبَوٰا۟ وَقَدْ نُهُوا۟ عَنْهُ وَأَكْلِهِمْ أَمْوَٰلَ ٱلنَّاسِ بِٱلْبَٰطِلِ ۚ وَأَعْتَدْنَا لِلْكَٰفِرِينَ مِنْهُمْ عَذَابًا أَلِيمًا
خروج باب۲۲۔ آیت۲۵‘ اور احبار باب۲۵۔ آیت۳۶‘۳۷ میں یہودیوں سے سود لینا ممنوع قرار دیا گیا ہے۔ لیکن استثنا باب۲۳۔ آیت۲۰ میں یہود کے علاوہ دوسرے لوگوں سے بنی اسرائیل کو سود لینے کی اجازت دی گئی ہے۔ درحقیقت یہ ایک تحریف ہے جو قرآن کریم کی رو سے یہودیوں نے اپنے تجارتی کاروبار کے لئے بائیبل میں کی ہے۔ ورنہ اللہ تعالیٰ نے انہیں ہر قسم کے سودی کاروبار سے منع کیا ہوا تھا۔ پس جو کچھ بائیبل میں لکھا ہے‘ وہ یہودی تحریف کا نتیجہ ہے۔
2:276, 277; 3:131; 30:40.
9:34.
The Jews were forbidden to lend money on interest to other Jews, but they were permitted to take interest from non-Jews (Exod. 22:25; Lev. 25:36, 37; Deut. 23:19, 20). But they broke the Law and began to take interest even from Jews (Neh. 5:7). Later they promised Nehemiah to give up this evil practice (Neh. 5:12). But they again broke their word; and so, in accordance with the prophecy of Ezekiel (Ezek. 18:13), they, as a nation, suffered death and were scattered over the earth to be persecuted at the hands of their enemies.
2:276, 277; 3:131; 30:40.
9:34.
Commentary:
The Jews were forbidden to lend money on interest to other Jews, but they were permitted to take interest from non-Jews (Exod. 22:25; Lev. 25:36, 37; Deut. 23:19, 20). But they broke the Law and began to exact interest even from Jews (Neh. 5:7). Later they promised Nehemiah to give up taking interest from Jews (Neh. 5:12). But they again broke their word; and so, in accordance with the prophecy of Ezekiel (Ezek. 18:13), they suffered national death and were scattered over the earth to suffer persecution at the hands of their enemies.
c
2:276, 277; 3:131; 30:40.
d
9:34.
2
خروج باب۲۲۔ آیت۲۵‘ اور احبار باب۲۵۔ آیت۳۶‘۳۷ میں یہودیوں سے سود لینا ممنوع قرار دیا گیا ہے۔ لیکن استثنا باب۲۳۔ آیت۲۰ میں یہود کے علاوہ دوسرے لوگوں سے بنی اسرائیل کو سود لینے کی اجازت دی گئی ہے۔ درحقیقت یہ ایک تحریف ہے جو قرآن کریم کی رو سے یہودیوں نے اپنے تجارتی کاروبار کے لئے بائیبل میں کی ہے۔ ورنہ اللہ تعالیٰ نے انہیں ہر قسم کے سودی کاروبار سے منع کیا ہوا تھا۔ پس جو کچھ بائیبل میں لکھا ہے‘ وہ یہودی تحریف کا نتیجہ ہے۔
b
2:276, 277; 3:131; 30:40.
c
9:34.
625
Commentary:
The Jews were forbidden to lend money on interest to other Jews, but they were permitted to take interest from non-Jews (Exod. 22:25; Lev. 25:36, 37; Deut. 23:19, 20). But they broke the Law and began to exact interest even from Jews (Neh. 5:7). Later they promised Nehemiah to give up taking interest from Jews (Neh. 5:12). But they again broke their word; and so, in accordance with the prophecy of Ezekiel (Ezek. 18:13), they suffered national death and were scattered over the earth to suffer persecution at the hands of their enemies.
b
2:276, 277; 3:131; 30:40.
c
9:34.
703
The Jews were forbidden to lend money on interest to other Jews, but they were permitted to take interest from non-Jews (Exod. 22:25; Lev. 25:36, 37; Deut. 23:19, 20). But they broke the Law and began to take interest even from Jews (Neh. 5:7). Later they promised Nehemiah to give up this evil practice (Neh. 5:12). But they again broke their word; and so, in accordance with the prophecy of Ezekiel (Ezek. 18:13), they, as a nation, suffered death and were scattered over the earth to be persecuted at the hands of their enemies.
وَمَآ ءَاتَيْتُم مِّن رِّبًا لِّيَرْبُوَا۟ فِىٓ أَمْوَٰلِ ٱلنَّاسِ فَلَا يَرْبُوا۟ عِندَ ٱللَّهِ ۖ وَمَآ ءَاتَيْتُم مِّن زَكَوٰةٍ تُرِيدُونَ وَجْهَ ٱللَّهِ فَأُو۟لَٰٓئِكَ هُمُ ٱلْمُضْعِفُونَ
قرآن کریم نے سود کی دو قسمیں بیان کی ہیں۔ ایک وہ سودی کاروبار جو غریبوں سے کیا جاتا ہے اس کو بھی منع کیا گیا ہے‘ لیکن اس آیت سے صاف پتہ لگتا ہے کہ اس جگہ اُس سودی کاروبار کا ذکر ہے جو مالداروں سے کیا جاتا ہے تاکہ وہ مالدار اسے تجارت میں لگائیں اور روپیہ دینے والے کا روپیہ بھی بڑھے۔ بعض مسلمان یہ خیال کرتے ہیں کہ مال داروں یا کمپنی والوں کو روپیہ سود پر دینا یا بنک میں سود پر روپیہ لگانا اسلام میں منع نہیں حالانکہ یہ آیت واضح کرتی ہے کہ اس قسم کا سودی کاروبار بھی منع ہے اگر ان کا خیال ٹھیک ہوتا تو یہ آیت کیوں نازل ہوتی اور اس کی کیا غرض تھی۔ قرآن کریم کا نازل کرنے والا
لُغت میں وَجْہٌ کے معنے مَرْضَاۃ کے بھی لکھے ہیں۔ (اقرب) یعنی رضا۔
2:276, 277.
The verse institutes a contrast between Zakat and interest. Whereas by means of Zakat Islam seeks to improve the miserable lot of the poor, at the same time safeguarding their dignity and self-respect, the institution of interest not only does not better the economic condition of the poor, but actually tends to make the rich richer and the poor poorer. The vast disparity of wealth between different sections of human society, as a result of which a large majority grovels in grinding indigence and penury and a tiny section rolls in unmeasured wealth, is inevitably due to the institution of interest. This verse particularly prohibits taking of interest on money loaned to banks or companies, etc.
2:276; 3:131.
Commentary:
In this verse a contrast has been made between Zakah and interest which institution, according to some people, can help the poor improve their economic condition. By Zakah Islam seeks to improve the miserable lot of the poor, at the same time safeguarding their dignity and self-respect, while the institution of interest not only does not better the economic condition of the poor but on the contrary tends actually to make the rich richer and the poor poorer. The vast disparity of wealth between different sections of human society, as a result of which a large majority grovels in grinding indigence and penury and a tiny section rolls in unmeasured wealth, is inevitably due to the institution of interest. It is on cooperative basis as taught by Islam and not by the giving and taking of interest that the wealth of a community can increase, and it is to this important economic truth that the verse under comment refers.
b
2:276, 277.
995
这节经文对比了天课 (زَكَاة, Zakat) 和利息的差异。伊斯兰教把天课使用于改善穷苦的人的悲惨命运, 同时保持他们的体面和自尊心, 而利息制不仅不能改善穷苦者的经济情况, 而且实际上会使富者越富而穷者越穷。社会不同阶层的贫富极大不均的结果是极大部分人因难以忍受贫穷的煎熬而卑躬屈膝, 而极少数人却腰缠万贯。这必然是利息制度造成的结果。这节经文特别禁止贷款给银行或公司等时收取利息。
1
قرآن کریم نے سود کی دو قسمیں بیان کی ہیں۔ ایک وہ سودی کاروبار جو غریبوں سے کیا جاتا ہے اس کو بھی منع کیا گیا ہے‘ لیکن اس آیت سے صاف پتہ لگتا ہے کہ اس جگہ اُس سودی کاروبار کا ذکر ہے جو مالداروں سے کیا جاتا ہے تاکہ وہ مالدار اسے تجارت میں لگائیں اور روپیہ دینے والے کا روپیہ بھی بڑھے۔ بعض مسلمان یہ خیال کرتے ہیں کہ مال داروں یا کمپنی والوں کو روپیہ سود پر دینا یا بنک میں سود پر روپیہ لگانا اسلام میں منع نہیں حالانکہ یہ آیت واضح کرتی ہے کہ اس قسم کا سودی کاروبار بھی منع ہے اگر ان کا خیال ٹھیک ہوتا تو یہ آیت کیوں نازل ہوتی اور اس کی کیا غرض تھی۔ قرآن کریم کا نازل کرنے والا
2
لُغت میں وَجْہٌ کے معنے مَرْضَاۃ کے بھی لکھے ہیں۔ (اقرب) یعنی رضا۔
a
2:276; 3:131.
3018
Commentary:
In this verse a contrast has been made between Zakah and interest which institution, according to some people, can help the poor improve their economic condition. By Zakah Islam seeks to improve the miserable lot of the poor, at the same time safeguarding their dignity and self-respect, while the institution of interest not only does not better the economic condition of the poor but on the contrary tends actually to make the rich richer and the poor poorer. The vast disparity of wealth between different sections of human society, as a result of which a large majority grovels in grinding indigence and penury and a tiny section rolls in unmeasured wealth, is inevitably due to the institution of interest. It is on cooperative basis as taught by Islam and not by the giving and taking of interest that the wealth of a community can increase, and it is to this important economic truth that the verse under comment refers.
b
2:276, 277.
2289
The verse institutes a contrast between Zakat and interest. Whereas by means of Zakat Islam seeks to improve the miserable lot of the poor, at the same time safeguarding their dignity and self-respect, the institution of interest not only does not better the economic condition of the poor, but actually tends to make the rich richer and the poor poorer. The vast disparity of wealth between different sections of human society, as a result of which a large majority grovels in grinding indigence and penury and a tiny section rolls in unmeasured wealth, is inevitably due to the institution of interest. This verse particularly prohibits taking of interest on money loaned to banks or companies, etc.