Priorities

Duties 5 Pillars of Islam - Kalima, Salaat, Zakat, Saum, Haj

Faith 6 Articles - Allah, Angels(AS), asuls(AS), !ooks, Akhirat
AL - Quran ecite " #n$erstan$ %ith &amil' (em)ers *ail'+
Sunnah Practises of our Pro,het (s+a+%)
Family &
Relatives
(aintain elationshi,s+ -et increase in 'our i./+
ILMU Seek kno%le$ge on *unia 0 *een $ail'+ 1lse *estruction+
Niat (ake -oo$ Intentions Al%a's+ Plan 'our ne2t mo3e+
Akhirat &ear *eath+ !e in 4u$u+ emem)er at all times+
Taakkul 5om,lete 6rust on Allah alone+
Mashara
!ook " Future
Plans
5onsultation on &inance 0 Pro)lems on fre/uent 0 $ail' )asis+
(ake 7 'ear 0 5 'ear Plan+ Ha3e sa3ings for a 8ear+
Fikir !e thoughtful of &amil' 0 Islam )efore making an' $ecisions+
Dealin#s 6ake necessar' ,recautions in 'our financial 0 social $ealings+
Mo$eration In 12,en$itures+ 96he %asters are the )rothers of shaitaan+9
Nee$s 4ater, &oo$, 5lothes, Home 0 I:(#
Mas%i$ (en to ,erform *ail' Pra'ers at the (asji$+
Daah 1njoin the -oo$, &or)i$ the 13il+
Savin#s Increase %ealth 0 not s/uan$er it+
In&ome 1arn Halal Income+ Safeguar$ famil' from )egging+
A$vi&e Seek &amil' 0 ighteous Peo,le+
Sins A3oi$ at all cost+
!usiness ;e3er join a )usiness+ Personal effort is nee$e$+
Travel 4ith 5om,anion+ &or !usiness, (asji$, *ak%ah 0 I:(# onl'+
Ri'( )sustenan&e*
i./ $oes not $e,en$ on a cause+ 6he attaining of ri./ is not $e,en$ant on one<s )rilliance
or intelligence, other%ise the intelligent shoul$ ha3e )een more %ealthier than those %ho
ha3e less intelligence+ 4hereas one fin$s the intelligent to )e in a 3er' $istresse$ con$ition+
6he attaining of ri./ $ue to a ,erson<s a)ilit' is the )elief of =arun+ - Islaahul (uslimeen,
Page 555+
6he attaining of immense %ealth $oes not $e,en$ on o%ning man' $ifferent ,ossesions+
>)ser3ations re3eal that a ,erson )ecomes 3er' %ealth' an$ rich )' o%ning onl' a single
)usiness+ Another ,erson although o%ning man' )usinesses is al%a's in $e)t an$ trou)le+ It
has also come to notice that man' an intelligent one is afflicte$ )' ,o3ert'+ (an' ignorant
an$ foolish ,eo,le are foun$ to )e %ealth'+ A ,oet has sai$?
Many such intelligent people have been witnessed, whom troubles of rizq have made tired.
And many ignorant have been witnessed who own immense wealth. This has confounded
the superstitions (fears) of the people. This astonishing fact has adversely confounded and
made many a nowledgable person a zindiq (infidel). ! Ma"rifat #laahiyyah, $age %&+
Shaikh Saa$i sa's?
#f rizq (sustenance) was dependant on intelligence, the stupid would die of hunger. 'ut
observations are this, that sometimes, nay moreso, the ignorant attain so much wealth that
it astounds the intelligent. The pious are contented with this distribution. They say(
)*e are contented with this distribution of the +abbar (omnipotent), that for us there is
nowledge and for the ignorant wealth. *ealth will soon diminish and nowledge remains
and never vanishes. ! ,uquq wa -araaidh, $age &.%.
The +is$om o, Poverty an$ Pros-erity
Sa''i$ina (ahmoo$ )in :a)i$ (+A) re,orts that asulullah (s+a+%) has sai$? 96%o things
are such that a ,erson $islikes (%hereas there is great )enefit in them)+ >ne is that $eath is
$islike$, %hereas $eath is )etter than fitnah (calamities)@ Secon$ is little %ealth an$ ,o3ert'
is $islike$, %hereas little %ealth ease an$ lightens the )ur$en of accounting for it in the
hereafter+9 - (usna$ Ahme$@ (a<aariful Ha$ith, Page A7+
Pros,erit' an$ Po3ert' is accor$ing to the 4ill of the Almight' Allah+ It is state$ in the
ha$ith, that some ,eo,le are such that if ,o3ert' strikes them, the' )ecome engulfe$ in
kufr ($is)elief)+ Some are such that if the' attain ,ros,erit', the' re)el, )ecome
$iso)e$ient, an$ fall into kufr+ 13er' ,erson<s tem,erament an$ nature is $ifferent+ All t',es
of sick ,eo,le are foun$ in a clinic or hos,ital+ Some are treate$ %ith )itter me$icine, if
s%eetmeats are gi3en instea$, it %ill )ecome se,tic an$ ,oisonous+ Hence the illness %ill
)ecome se3ere+ >n the other han$, %hen a ,atient has nearl' recu,erate$, )ut still feels
%eak, fruit etc+ are ,rescri)e$+ Allah 6a<aala kno%s the true nature an$ tem,erament of His
creation+ He sa's in the =ur<aan Karim? 9Shoul$ He not kno% %hat He create$B An$ He is
the Su)tile, the A%are+9 Suratul (ulk, 7C+ (a<rifate Ilaahi''ah, Page AC+
.ontem-lation on or$aine$ Ri'(
Imaam -ha.ali narrates the sa'ing of the #staa$h of his Sha'kh in matters of ri./+ He sai$?
96he thing from %hich I ac/uire$ contentment is, I sai$ to m' nafs that this ri./ is onl'
li3ing for humans+ 4hat ha3e $ea$ ,eo,le got to $o %ith the %orl$l' ri./B In the manner
that human life is from the treasur' an$ ,o%er of Allah 6a<aala, in the same manner ri./ is
also from His treasur' an$ ,o%er+ If He %ishes He shall grant me+ If He $oes not %ish He
shall not grant me, )ecause it is state$ in the ha$ith that asulullah (s+a+%) has sai$? 9It is
inscri)e$ on the )acks of fishes an$ cattle, this is the ri./ of such an$ such ,erson+ In this
matter of ri./ a co3etous ,erson $oes not gain an'thing %ithout har$shi,+9
asulullah (s+a+%) also sai$, 96he che%ing of morsels that ha$ )een $estine$ for 'ou cannot
)e che%e$ )' another ,erson+ 1at 'our share of ri./ %ith $ignit', an$ not %ith $isgrace+9 -
(inhaajul DAa)i$een, Page E7F+
Shar/ee Pres&ri-tions ,or !arakah in Ri'( )sustenan&e*
6his $ou)t is 3er' fault', that %hen ri./ is ,re$estine$, ho% can it increase an$ $ecreaseB
4h' is there a ,eculiarit' regar$ing ri./ (sustenance)+ All these things are inclu$e$ in fate?
,ros,erit' an$ ,o3ert'@ health an$ illness@ life an$ $eath, etc+, an$ there can )e a $ou)t in
all these issues+ 6hen too, these matters are taken to )e attache$ to causes an$ a ,lan to
o3ercome them is ma$e+ 6he matter of ri./ shoul$ )e un$erstoo$ in the same manner+
Here follo%s the ,rescri,tion for )arakah in ri./ (sustenance)
6he meaning of )arakah is, that one ,ossesses a little, )ut is ha,,', ,ros,erous an$
content, an$ man' others also $eri3e comfort an$ relief from it+
7+ Duru$? Sa''i$ina A)u Sa<ee$ Khu$ari (r+a) re,orts? 96he one %ho %ishes %ealth to
increase, shoul$ sa' this?
- Zaa$us Sa<ee$, Page 7A
E+ Surah +aa(i/ah0 6he recital of Surah 4aa/i<ah (I$ha 4a/a<atil 4aa/i<ah+ EFth Gu.)
kee,s a%a' star3ation+ Sa''i$ina DA)$ullah )in (as<u$ (r+a) sa's that asulullah (s+a+%)
sai$? 96he one %ho recites Surah 4aa/i<ah e3er' night %ill ne3er encounter star3ation+9 -
!a'ha/i in Shu<a)ul Imaan@ Ga.aa-ul-Aa<maal, Page HE+
In a narration it is state$ that Surah 4aa/i<ah is Suratul -hina+ ecite it an$ teach it to 'our
chil$ren+ It is 3er' mean to recite it %ith the intention of gaining a fe% cents+ It shoul$ )e
rea$ %ith the intention that the heart )ecomes free from %ant an$ for the hereafter+ 6he
material %orl$ %ill itself clas, its han$s an$ a3ail itself+
H+ Surah 1asin0 All $esires are attaine$ )' reciting Surah 8asin+ Sa''i$ina DAtaa )in A)i
a)aah (r+a) re,orts that I ha3e )een informe$ that asulullah (s+a+%) sai$? 9>ne %ho
recites Surah 8asin at the )eginning of the $a', %ill there)' attain all of one<s nee$s+9 -
*aarami@ Ga.aa-ul Aa<maal, Page HE+
C+ 2Aashura0 asulullah (s+a+%) has sai$? 96he one %ho s,en$s a)un$antl' on one<s famil'
an$ chil$ren on the $a' of DAashura (7Ith (uharram), Allah 6a<aala %ill grant that ,erson
a)un$ance (in ri./) for the %hole 'ear+9 - a.in@ !a'ha/i+
It is ,ermissi)le to s,en$ a)un$antl' on one<s famil' accor$ing to one<s financial ,osition+
6he ,oor an$ nee$' shoul$ also )e thought of on this occasion+ - Khutu)aatul Ahkaam, Page
767@ (asnoon Aa<maal, Page 5+
5+ 3hi$mah )servin#* o, -arents0 It is state$ in the ha$ith that asulullah (s+a+%) has
sai$? 96he one %ho $esires great /uantit' in one<s ri./ an$ age, shoul$ treat relati3es
kin$l', an$ make khi$mah of (ser3e) one<s ,arents+9 - (usna$ Ahme$@ Al-a$a)ul (ufra$+
6+ Isti#h,aar0 Sa''i$ina DA)$ullah )in DA))as (r+a) narrates that asulullah (s+a+%) sai$?
96he one %ho (regularl') sa's Istighfaar, that is, fre/uentl' re,ent to Allah 6a<aala for sins
committe$, Allah DA..a 4a-Galla %ill o,en a ,ath from ,o3ert' an$ $ifficulties+ All sorro%
an$ har$shi, %ill )e remo3e$, an$ in its ,lace ,ros,erit' an$ contentment grante$+ >ne %ill
recei3e sustenance from unimagine$ an$ une2,ecte$ sources+9 - (usna$ Ahme$@ Sunan A)i
*a%u$@ Sunan I)n (aajah@ (a<aariful Ha$ith+
asulullah (s+a+%) has sai$? 96he one %ho seeks forgi3eness for (uslim males an$ females
from Allah 6a<aala E6 or E5 times e3er' $a', Allah 6a<aala %ill count that ,erson among
those %hose $uaa is acce,te$, an$ through the )arakah of %hom those on earth gain ri./
(sustenance)+9 - &a$haa-il Istighfaar, Page 7J+
F+ Sa$a(ah0 asulullah (s+a+%) has sai$? 9Seek sustenance (from Allah) )' the means of
sa$a/ah, (i+e+ )' gi3ing charit')+ !' its )arakah sustenance is increase$+9 !a'ha/i+
It is state$ in the ha$ith, gi3e sa$a/ah an$ treat 'our ill %ith me$ication+ Sa$a/ah kee,s
a%a' illness an$ increases one<s lifes,an an$ ,iet'+ - !eheshti-Ze%ar, Part H, Page HEJ+
J+ .om,ortin# the eak? asulullah (s+a+%) has sai$? 9Seek me (i+e+ m' ha,,iness) )'
comforting the %eak, it is )ecause of the %eak that 'ou are grante$ ri./+ >r he sai$? that
'ou are assiste$+++9 - A)u *a%u$@ Khutu)aatul Ahkaam, Page 7HH+
6here %ere E )rothers $uring the time of asulullah (s+a+%)+ >ne of them use to atten$ the
no)le assem)l' of asulullah (s+a+%), an$ the other ke,t himself )us' in his occu,ation+ 6he
one %ho %orke$, com,laine$ to asulullah (s+a+%) a)out his )rother (of not earning
an'thing)@ asulullah (s+a+%) sai$? 9It is ,ossi)le that 'ou are grante$ ri./ )ecause of him+9
- 6irmi$hi@ Khutu)aatul Ahkaam, Page CA+
A+ 4a%%? asulullah (s+a+%) has sai$? 95om)ine the Haj an$ D#mrah, )ecause the E kee,s
a%a' ,o3ert' an$ sin in the same manner that a furnace remo3es rust an$ $irt from iron,
sil3er an$ gol$+ 6here is no re%ar$ for a (a)roor (acce,te$) Haj e2ce,t Gannah+9 - 6irmi$hi@
;asa-ee@ Khutu)aatul Kaam, Page EI7+
7I+ Nikaah0 asulullah (s+a+%) has sai$? 9It is the right of Allah 6a<aala to assist H such
,eo,le? (Among %hich he sai$ one is)? 6he one %ho makes nikaah (marries) %ith the
intention of remaining chaste an$ mo$est+9 - 6irmi$hi@ ;asa-ee@ I)n (aajah@ Khutu)aatul
Ahkaam, Page C5+
Sa''i$atina DAa-isha a$hi'allahu DAnha re,orts that asulullah (s+a+%) has sai$? 9(arr'
%omen, the' )ring %ealth for 'ou (i+e+ Allah 6a<aala increases the )arakah in one<s %ealth+
*o%r' is not meant here)+9 !a..aa.@ Ha'atul (uslimeen, Page ECA+
77+ Prohi5it 6vil0 asulullah (s+a+%) has sai$? 95omman$ the carr'ing out of 3irtuous
$ee$s, 'ou %ill )e grante$ a)un$ance (articles %ill )ecome lo%-,rice$)+ Prohi)it e3il an$
'ou %ill )e assiste$+9 - Khutu)aat (a-thurah, Page HH+
Allah (ost High sa's in the =ur<aan Karim? 9> 'e %ho )elie3eK If 'e hel, Allah, He %ill hel,
'ou an$ %ill make 'our foothol$ firm+9 - Surah (uhamma$, F+
7E+ Salaam hen enterin# the home? Sa''i$ina Anas (r+a) sa's that asulullah (s+a+%)
sai$? 9Son, %hen 'ou enter 'our home sa' the salaam+ It is a source of )arakah for 'ou an$
'our famil'+9 Some ulama sa', one %ho sa's salaam first to one<s famil', %ill )e )lesse$
%ith )arakah in %ealth an$ offs,ring+
Sa''i$ina A)u #maa-mah (r+a) sa's that asulullah (s+a+%) sai$? 6here are H ,eo,le to
%hom Allah 6a<aala has gi3en suret'+ Allah 6a<aala is sufficient for them in this %orl$, an$
Gannah is their a)o$e in the hereafter?
a+ 6he one %ho sa's salaam %hen entering his home, Allah is a suret' for him+
)+ 6he one %ho goes to%ar$s the masji$ (to ,erform salaah)+ He is un$er Allah<s suret'+
e+ 6he one %ho goes out in the Path of Allah for Gihaa$+ He is un$er the suret' of Allah+
7H+ Laylatul !araa-ah0 asulullah (s+a+%) has sai$? 9Perform i)aa$ah ($e3otions) on the
night of the fifteenth of Sha<)aan, an$ fast $uring its $a'+ Allah 6a<aala comes to the nether
sk' as soon as the sun sets an$ announces? DIs there an'one seeking forgi3eness, that I
ma' forgi3e himB Is there an'one seeking ri./ (sustenance) that I ma' grant him ri./B Is
there an'one in trou)les an$ $ifficulties that I ma' grant him health an$ ,ros,erit'B Is
there someone+++B Is there someone+++B till the time of fajr+9 - I)n (ajaah@ !a'ha/i@
(asnoon Aa<maal, Page EI+
7C+ Latitu$e in s-en$in# on the i,e? asulullah (s+a+%) sai$? 9&ear Allah in the affairs of
%omen (%i3es), )ecause the' are 'our ca,ti3es+ 8ou ha3e ac/uire$ them %ith an
agreement an$ ,romise to Allah+ 8ou ha3e ma$e their ,ri3ate ,arts halal %ith the kalimah
of Allah, therefore, ,ractise latitu$e regar$ing their clothing an$ s,en$ing, so that Allah
6a<aala ma' grant a)un$ance in 'our ri./@ )arakah in 'our life-s,an an$ %hate3er 'ou %ish
ma' )e fulfille$+9 - Surur Khaatir+
75+ Naaa,il o, Ishraa(? asulullah (s+a+%) narrates that Allah (ost High has sai$? 9> son
of Aa$am, ,erform C rak<ahs nafl for (e $uring the first ,art of the $a' %ith ikhlaas
(sincerit')+ I %ill suffice for 'ou in 'our en$ea3ours+9 - 6irmi$hi+
>)ser3eK ho% re%ar$ is gaine$ from Allah 6a<aala, also, ho% all en$ea3ours are fulfille$B
6he grace of the $een an$ $un'a has come to han$+ Peo,le run hither an$ tither %hen in
$ifficulties an$ flatter ,eo,le+ 4oul$ thatK the' turn to Allah 6a<aala an$ carr' out the
,rescri)e$ $uties an$ ,erform salaah+ 6hen their %orl$l' nee$s %ill also )e straightene$
out@ a)un$ant re%ar$ attaine$@ an$ the' %ill )e sa3e$ from the $isgrace of flattering an$
)o%ing to ,eo,le+ - !ahishti-Ze%ar, Page EE5+
asulullah (s+a+%) narrates the comman$ of Allah Galla Galaaluhu? 9emem)er (e for a little
%hile after the fajr an$ asr salaah+ I %ill suffice for 'ou for the ,ortion (time) in)et%een+9 A
ha$ith states? 9emem)er (make $hikr of) Allah+ He %ill ai$ 'ou in 'our ,ious en$ea3ours+9
- Ahme$+
76+ The 7 salaahs? A Sahaa)i (r+a) sa's? 94hen the househol$ of asulullah (s+a+%)
e2,erience$ $ifficult' in their e2,ences he comman$e$ the ,erforming of salaah, an$
recite$ this aa'ah? DAn$ enjoin u,on th' ,eo,le %orshi,, an$ )e constant therein+ 4e ask
not of thee a ,ro3ision? 4e ,ro3i$e for thee+ An$ the se/uel is for righteousness+9 - Surah
6a Ha, 7HE+
A ha$ith states? 9Salaah is the cause of Allah<s ,leasure? It is a )elo3e$ act of the malaa-i-
kah (angels)@ a sunnah of the Am)i'aa DAla'himus Salaam@ the nur (light) of ma<rifah is
achie3e$ )' it@ $u<aas are acce,te$@ an$ )arakah in ri./ is attaine$@9 - &a$haa-il Aa<maal,
Page H75+
7F+ .on&eal one/s nee$ an$ hun#er0 Sa''i$ina I)n DA))as (r+a) narrates a sa'ing of
asulullah (s+a+%) that? 9>ne %ho is hungr', or is in nee$, an$ conceals these from the
,eo,le, then Allah 6a<aala through His (erc' takes it u,on Himself to grant the ,erson ri./
from halal ,ossessions for the 'ear+9
7J+ Silah Rahmi )Treatin# relatives ell*0 9Sa' asulullah (s+a+%) has sai( %ho %ishes
to recei3e a)un$ant ri./, an$ ,rint footste,s last long, shoul$ treat relati3es congeniall'+<
-(ishkaat+
!' DPrints of the footste,s last long< it is meant a long life+ 6he longer a ,erson li3es, the
longer the foot ,rints of the feet %ill remain on the groun$+ 6he foo$ ,rints of the one %ho
$ies, $oes not remain+ - &a$haa-il Sa$a/aat, Page E
7A+ 3alimah to kee- aay -overty0 asulullah (s+a+%) has sai$? 96he kalima?
is a me$icine for AA $iseases, among %hich the most minor one is %orr' an$ sorro%+< -
6irmi$hi+ If %ith the a)o3e kalimah the follo%ing is a$$e$?
Allah 6a<aala %ill remo3e FI calamities, among %hich the most minor one is ,o3ert'+ -
6irmi$hi@ (ishkaat+
EI+ Taakkul )relian&e* on Allah0 Sa''i$ina DImraan )in Husa'n (r+a) narrates from
asulullah (s+a+%) that? 96he ,erson %ho (sincerel') relies on Allah 6a<aala, Allah 6a<aala
%ill suffice for all the res,onsi)ilities of that ,erson+ i./ %ill )e recei3e$ from such sources,
%hence it cannot )e imagine$+ 6he one %ho relies on the (material) %orl$, Allah 6a<aala
han$s that ,erson o3er to the %orl$+9 - Ha'atul (uslimeen, Page 7EJ+
asulullah (s+a+%) has sai$? 9If 'ou ha3e ,ro,er an$ sincere ta%akkul (reliance) on Allah
6a<ala+ He %ill grant 'ou ri./ like the )ir$s are gi3en ri./, %ho come out of their nests in the
morning %ith em,t' stomachs an$ return to their nests in the e3ening %ith a full stomach+
Allah 6a<aala sa's? 9An$ %hosoe3er kee,eth his $ut' to Allah, Allah %ill a,,oint a %a' out
for him+++9 - surah 6alaa/, E@ (inhaajul DAa-)i$een, Page 7JI+
asulullah (s+a+%) has sai$? 9>ne %ho %ishes to )ecome the most strongest, shoul$ make
ta%akkul on Allah 6a<aala+ >ne %ho %ishes to )ecome the most res,ectful, shoul$ a$o,t
ta/%a (,iet')+ 6he one %ho %ishes to )ecome the most %ealthiest, shoul$ rel' more in the
/u$rah (,o%er) of Allah than that %hich is in one<s ,ossession+9 - &a.ail Sa$a/at+
E7+ Satis,a&tion ith Ta($eer )Allah/s knole$#e o, every ha--enin#*0 asulullah
(s+a+%) has sai$? 94hate3er Allah 6a<aala grants His )on$smen, He tests them %ith it+ If
the' are content %ith their fate, He grants them )arakah in their ri./ (sustenance)+ If the'
are not content, He $oes not grant them )arakah+9 - (usna$ Ahme$+
EE+ !usiness0 asulullah (s+a+%) has sai$? 96ra$e, )ecause ri./ has 7I ,ortions, of %hich
tra$e consists of A ,ortions+9 -Ah'aul-#loom+
EH+ Truth,ulness0 asulullah (s+a+%) has sai$? 94hen the seller an$ the )u'er s,eak the
truth $uring a transaction, an$ re3eal the $efects (of the article), Allah 6a<aala grants them
)arakah in their transaction+ If the' s,eak lies an$ conceal $efects, )arakah is remo3e$
from that sale+9 -!ukhari@ Ah'a-ul-#loom+
!arakah an$ ,ros,erit' in ri./ is a result of faithfulness+ 6hose %hose trust an$ faithfulness
is %ell kno%n, e3er' ,erson %ishes to ha3e $ealings %ith them, %hich results in much
)enefits@ 6hose %ho are %ell kno%n for their frau$ an$ cheating, ,eo,le kee, a%a' from
them+ 6he meaning of )arakah is that a ,erson ,ossesses onl' a little %ealth, an$ is ha,,'
an$ content+ (an' others also )enefit an$ gain comfort from this %ealth+ - 6ijaarat aur
Kas)e Halal+
EC+ !e#in ork early in the mornin#0 asulullah (s+a+%) has sai$? 96o seek an$ attain
halal ri./, )egin earl' in the morning, as this results in )arakah an$ ,ros,erit' in one<s
%ork+9 - #s%ah asul Akram (s+a+%), Page EFJ+
E5+ Travel0 Sa''i$ina A)u Hura'rah (r+a) narrates that asulullah (s+a+%) has sai$? 96ra3el,
'ou shall gain goo$ health an$ 'ou %ill )e grante$ ri./+9 - 6i))un ;a)a%i (s+a+%), Page CC+
E6+ 6atin# o, a ,allen morsel0 Sa''i$ina Gaa)ir (r+a) re,orts that asulullah (s+a+%) has
sai$? 94hen 'our morsel falls, ,ick it u, an$ %i,e (clean) %hate3er has got onto it, then eat
it+ *o not lea3e it for the sha'taan+ He also sai$, the one %ho %hen eating, eats the little
morsels that ha3e fallen onto the ta)le cloth, %ill al%a's e2,erience a)un$ance in ri./+9 -
6i))un ;a)a%i (s+a+%), Page 7I+
EF+ !arakah o, $u/aa0 Sa''i$ina A)u Sa<ee$ Khu$ari (r+a) narrates? 9A ,erson sai$, 8a
asulullah ((s+a+%))K A lot of %orr' an$ $e)t has surroun$e$ me+ He sai$? DI %ill sho% 'ou
such %or$s, the recital of %hich %ill alle3iate all 'our %orries an$ 'our $e)ts %ill also )e
,ai$<+ 6hat ,erson sai$? DLer' %ell<+ He sai$? DSa' morning an$ e3ening?
6hat ,erson sa's? DI $i$ this, hence, all m' %orries 3anishe$, an$ m' $e)t %as also ,ai$<+9
- A)u *a%u$@ Ga.aaa-ul Aa<maal, Page HH+
asulullah (s+a+%) has sai$? 96he one %ho encounters ,o3ert', an$ re3eals it to the ,eo,le,
shall remain in ,o3ert'+ 6he one %ho su)mits one<s state of ,o3ert' to Allah, Allah 6a<aala
%ill grant that ,erson ri./ sooner or later+9 - 6irmi$hi+
asulullah (s+a+%) has sai$? 96he one %ho seeks ghina ()ecome free from %ant, self
sufficienc') from Allah, Allah 6a<aala %ill grant that ,erson ghina+9 - Sa$a/aat, Page CHF+
EJ+ Rama$haan0 asulullah (s+a+%) has sai$? 96he ri./ of a mu<min is increase$ in this
month+9 - Khutu)aat Ahkaam+ Pg 7JI+ A (uslim %ho sincerel' s,en$s the month of
ama$haan in Di)aa$ah an$ so%n (fasts), %ill gain a)un$ant sustenance+ 12,erience has
,ro3en this to )e correct+
EA+ Market #rains at a &hea- -ri&e0 Sa''i$ina #mar (r+a) narrates from asulullah
(s+a+%)? 96he one %ho im,orts ()rings from another ,lace) grain, so that it coul$ )e sol$ at
a chea,er ,rice to the ,eo,le, %ill gain ()arakah) in sustenance+ 6he one %ho hoar$s is
accurse$+9 - (ishkaat@ &a$haa-il Sa$a/aat+
HI+ S-en$ ith mo$eration an$ re#ulation0 Sa''i$ina Anas ( r+a ), Sa''i$ina A)u
#maa-mah ( r+a ), Sa''i$ina I)n DA))as (r+a) an$ Sa''i$ina DAli (r+a) re,orte$? 96rea$ the
,ath of mo$eration (i+e+ *o not )e miserl' nor %asteful, )ut think, un$erstan$, sustain
oneself %ith thriftiness, an$ s,en$ %ith regulation an$ mo$eration %hen necessar'+ &or this
manner of s,en$ing) is half of one<s s,en$ing+ 6he one %ho trea$s this mo$erate ,ath
(%hen s,en$ing) %ill ne3er )ecome nee$'+ In s,en$ing %astefull', %ealth $oes not remain+9
- Ha'atul (uslimeen, Page EC5+
H7+ Qanaa/ah ).ontentment an$ satis,a&tion*0 asulullah (s+a+%) has sai$? 94hate3er
Allah 6a<aala gi3es His creation, He e2amines them in it+ If the' are ,lease$ %ith their fate,
the' are grante$ )arakah in their ri./ (sustenance)+ If the' are not ,lease$, their ri./ is not
ma$e e2tensi3e+9 - (usna$ Ahme$@ #s%ah asul Akram (s+a+%), Page CFJ+
HE+ The ,a&ts o, !arakah0 Suf'aan 6ha%ri (ah)sa's? 96here is no ,ossi)ilit' that halal
an$ earnings can )e s,ent %astefull'+ 13er'thing is ma$e for some s,ecial o)ject+ If it is
useful an$ )eneficial, then it consists of )arakah+ If it $oes not, it $oes not contain )arakah+
&or e2am,le, there is mone' )ecause )' its means one can eat an$ clothe one<s self an$
attain comfort of the %orl$+ If mone' is use$ for a correct ,ur,ose it %ill ha3e )arakah, )ut
if it is not use$ in a correct manner an$ %aste$, it %ill )e 3oi$ of )arakah+9 - Islaahul
(uslimeen, Page 7JJ+
HH+ The result o, asta#e0 6he (uslims )ecome ruine$ an$ misera)le $ue to )eing
%asteful+ Still too, their e'es $o not o,en+ Peo,le tr' to make means of increasing their
income, o3er %hich the' ha3e no control+ 6he' $o not make means of $ecreasing their
s,en$ing, o3er %hich the' $o ha3e control+ !efore s,en$ing, ,on$er at least H times, that
this, %hich %e inten$ s,en$ing, is it reall' necessar'B If %e $o not ha3e it, %ill it cause us
an' harm+ 4here it is necessar', ,on$er if it reall' is necessar' to s,en$ a )ig sum, or can
it )e attaine$ for a lesser amount+ A )eneficial %a' of a3oi$ing %astage is to take stock of
one<s househol$ an$ other ,ossessions+ (an' such items %ill )e foun$ that are not nee$e$
or ma' )e rotting+ emo3e such nee$less items+ If this metho$ is a$o,te$ once, thereafter
one %ill not ,urchase things that is not nee$e$+ - Islaahul (uslimeen, Page CAF+
As-e&ts that remove 5arakah in Ri'(
7+ asulullah (s+a+%) has sai$? 9Leril' a man )ecomes $e,ri3e$ of ri./, )ecause of sins he
has %ilfull' committe$+9
Sa''i$ina A)$ullah )in #mar (r+a) narrates? 94e, ten ,eo,le came to the no)le assem)l' of
asulullah (s+a+%)+ He turne$ to%ar$s us an$ )egan sa'ing? D6here are 5 things, I seek
Allah<s refuge, from 'ou falling into them?
a+ 4hen shamelessness )ecomes ,re3alent in a communit' an$ it is ,ractise$ o,enl'
(%ithout fear)+ 6he' )ecome entangle$ in ,lague an$ in such $iseases that ne3er e2iste$
$uring the time of their forefathers+
)+ 4hen a nation cheats in measures an$ %eights, the' )ecome afflicte$ )' $rought,
har$shi,s an$ an o,,ressi3e ruler+
c+ 4hen a nation sto,s the gi3ing of .akaat from their %ealth, the' )ecome $e,ri3e$ of rain+
If it %ere not for the animals it %oul$ ne3er ha3e raine$+
$+ 4hen ,eo,le )reak ,romises, Allah sets o3er them their enemies from another nation
%ho %ill forcefull' take a%a' their )elongings+
e+ 4hen their lea$ers refrain from gi3ing 3er$icts accor$ing to the comman$s of Allah, Allah
6a<aala )rings mur$ering an$ killing in)et%een themsel3es+9 - I)n (aajah@ Ga.aa-ul
Aa<maal, Page J+
Allah Most 4i#h sai$ to the !ani Israel0 8+hen My &omman$s are o5eye$9 I am
-lease$: +hen I am -lease$ I #rant 5arakah an$ there is no en$ to My 5arakah:
+hen I am $iso5eye$9 I 5e&ome an#ry an$ &urse: The e,,e&ts o, my &urse lasts ,or
; #enerations:8 - Ahme$
It $oes not mean that all the F generations are curse$, rather it means that, the )arakah
the offs,ring recei3es if one is ,ious is not achie3e$+ - Ha'atul (uslimeen, Page E66+
E+ 4oar$in# #rain at the time o, nee$0 asulullah (s+a+%) has sai$? 96he ,erson %ho
hoar$s foo$ from the (uslims for CI $a's (in s,ite of se3ere shortage), an$ $oes not sell it+
Allah 6a<aala %ill afflict the guilt' ,erson %ith le,ros' an$ ,o3ert'+9 - (ishkaat+
H+ !e# ithout ne&essity0 asulullah (s+a+%) has sai$? 9>ne %ho o,ens the $oors of
)egging, Allah 6a<aala o,ens (instea$) the $oor of ,o3ert'+9
6here is no ,rohi)ition from asking at the time of genuine nee$+
C+ Dis#ra&in# an$ $isres-e&tin# o, 5rea$0 Aisha (+A) re,orts that asulullah (s+a+%)
sai$? 9Han$le )rea$ %ith res,ect+9
In the D(a/aasi$ Hasanah< the sa'ing of some Dulama is mentione$ that, %hen grain is
tra,,e$ u,on, it results in $roughts+ - At-6asharruf, Page E7C+
Duas
7) Aisha (+A) sa's that asulullah (s+a+%) sai$? 94hen Sa''i$ina A$am (Ala'his Salaam)
%as sent $o%n onto the earth he face$ the ka<)ah an$ ,erforme$ E rak<ahs+ At that time
Allah 6a<aala ,ut this $ua in his heart?
then Allah 6a<aala sent a %ahi that? D> Aa$am I ha3e acce,te$ 'our re,entance an$ ha3e
forgi3en 'ou+ 6he ,erson %ho su,,licates to (e %ith these %or$s %ill )e forgi3en, an$ I %ill
)ecome res,onsi)le for all of that ,erson<s nee$s+ 6he material %orl$ %ill $egra$e itself an$
come to that ,erson e3en though that ,erson $oes not $esire the %orl$<+ - I)n
(ar$a%i''ah+
E) Sa''i$ina Ali Al-(urta$haa (r+a) sa's that asulullah (s+a+%) sai$? 96he one %ho rea$s
this kalimah e3er'$a' 7II times?
%ill attain safet' from ,o3ert' an$ hunger an$ it %ill )e a com,anion an$ frien$ in the
gra3e+9 - A7-Khati), A)u ;u<a'm+
H) Sa''i$ina Aisha (a$hi'allahu Anha) sa's that asulullah (s+a+%) regularl' recite$ this
$u<aa?
C) #mmul (u-mineen Sa''i$itina #mmi Salamah a$hi'allahu Anha sa's that asulullah
(s+a+%) recite$ this $u<aa after the fajr salaah?
5) >nce Al-&aru/ Al-Aa<.am Sa''i$ina #mar (a$hi'allahi Anhu) %as trou)le$ )' ,o3ert'+
He %ent to asulullah (s+a+%) an$ ,ut for%ar$ his case an$ ma$e a re/uest for some $ates+
asulullah (s+a+%) sai$ to him? 9If 'ou %ish I %ill o)tain for 'ou some $ates, or, if 'ou %ish I
%ill sho% 'ou such %or$s %hich is )etter for 'ou+ 6he %or$s are?
6) Sa''i$ina A)$ullah )in #mar (r+a) sa's that asulullah (s+a+%) use$ to sa', %hen the
time of the $emise of Sa''i$ina ;uh Ala'his Salaam $re% near, he sai$ to his son, I a$3ise
'ou of E kalimas?
6hese E kalimahs is a ,ra'er for e3er'thing+ *ue to it e3er'thing is gi3en sustenance+ -
!ukhari+
T4IN<S T4AT IN.R6AS6 RI=Q
-oo$ intentions, 6elling the truth Al%a's sta'ing in a state of 9%u.u9
;ot s%earing " taking oaths+
A3oi$ing futile con3ersations+
9Istighfar9 - Seeking forgi3eness from
Allah
9-oo$ ikhla/9 - -oo$ moral "ethics ;ot )eing gree$'+
Sta'ing a%ake in the morning !eing gracious for the )lessings+
A3oi$ing unchaste actions+ 5li,,ing nails on 6hurs$a'
Pra'ing for the momineen in their
a)sence
5om)ing the hair, Punctualit',
trust%orth'
Ha3ing goo$ )eha3iour %ith the
momineen
-oo$ han$%riting+ !eing a ,leasant
s,eaker+
ecite Surah 8aasin ( (orning ) ecite Sura-e-4a/ia ( ;ight )
Sa'ing nama.-e-3itr+ -i3ing Sa$a/at+
;ot talking in the toilet+ 4ashing han$s )efore an$ after eating
9Sila-e-eham9 Sta'ing in touch %ith famil' an$ relati3es an$ )eing caring to%ar$s
them+ Sa'ing 9su)han Allah9 HI times $ail'
Goining the *ali' nama.es an$ reciting the 9ta/ee)at9
!eing kin$ to all the CI neigh)ours on each of the C si$es of 'our house
S%ee,ing the main $oor of the house an$ kee,ing it ti$'
!e in the mos/ue at the time of A.an+ Sa'ing the a.an+ e,eating it %hile it is
)eing sai$+ Performing Gemaah Salaat+ Sa'ing nama. in Gamaat+
-i3ing ,riorit' to AllahMs comman$s o3er ,eo,le<s %ishes
;e3er consi$er 9ri./9 to )e something insignificant+
:a illaha illalahul malikul ha/ul mo)een N ecite 7II times *ail'
:ahol %a la /ooata illa )illahil aliul a.eem N ecite &re/uentl'
8a khairul musooleen %a 'a khairul moateen ur.u/ni %ar.u/ a'ali min fa.le'ka N In
Saj$ah
ecite Sura-e-6a%hee$ %hen entering the house
4earing a finger ring either of 9a/ee/9 or 9firou.a9 %ith 9 lahol %a la /ooata illa
)illahil aliul a.eem9 engra3e$ on the stone
4ashing hair %ith the her)s of 9si$r9 an$ Khutmi9
6urn on the lights of the house )efore the sunset+
T4IN<S T4AT D6.R6AS6 RI=Q
5onsi$ering nama. to )e insignificant+
6urning a%a' the nee$'+
4alking in front of the age$+ &alse
s%earing
!reaking ties %ith the relati3es+ 12,ressing gree$+ A ha)it of l'ing+
Ha3ing an a,,earance of a )eggar+ ushing out of the mos/ue+
-oing to the market )efore sunrise 6aking a long time in the markets
5om)ing hair %ith a )roken com)+ :istening to music+
!eing sting'+ !iting nails+ #sing all kin$s of %oo$ for a tooth,ick+
:a3ish e2,en$itures %ithout a ,ur,ose Shameless )eha3iour+
;ot %i,ing the s,i$er %e)s+ Kee,ing gar)age in the rooms+
Sitting at the main $oor+ S%ee,ing the house at night
!eing $isres,ectful %ith ,arents+ A$$ressing ,arents )' their names+
5ursing one<s o%n chil$ren an$ ,ra'ing )a$ things for them+
(anaging the financial affairs %ithout an' consi$eration an$ ,rior thought+
Kee,ing the $ishes un$one (not %ashing them)+
#rinating in the sho%er+ #rinating %hile nake$+
;ot %ashing han$s )efore an$ after eating+ 1ating %hile l'ing $o%n+
1ating an$ $rinking in a state of 9jana)at9+ 1ating in an unclean an$ cracke$ $ish+
4i,ing the han$s an$ mouth %ith slee3es+
Slee,ing a lot+ Slee,ing nake$+ Slee,ing $uring Sunset+
Slee,ing )et%een the time for nama.-e-&ajr an$ sunrise+
:ea3ing the foo$ an$ $rinks unco3ere$+
!u'ing )rea$ from a 9fa/eer9 N )eggar+ ;ot honouring )rea$ crum)s
!eing la.' in the religious an$ %orl$l' affairs an$ not %orking enough+
4ALAL IN.>M6
1arning a halaal li3elihoo$ is a comman$ of Allah an$ the res,onsi)ilit' of e3er' man+
Ha.rath Anas Ora$hiallaahu anhuP re,orts that asulullah Os+a+%P has sai$? 9It is a )oun$e$
$ut' u,on e3er' (uslim to earn a halaal li3elihoo$+9 It sa3es one from )egging, consuming
haraam an$ $ou)tful things %hich are trul' harmful+
(an' aa'aat as %ell as ahaa$ith ha3e )een gi3en e2,laining ho% one shoul$ con$uct
oneself %hile seeking a halal li3elihoo$ an$ regar$ing the im,ortance of $oing )usiness an$
tra$e in accor$ance to the shariah+
4e see that Ha.rat #mar Or+aP %oul$ not allo% a ,erson to $o )usiness until he ha$ learnt
the Islaamic manners an$ eti/uette of running a )usiness+ 6hus, it is also essential that %e
too, learn the correct metho$ of $ealings, tra$e an$ that of running a )usiness+
4hile $oing )usiness, one shoul$ )e honest, as this %ill )ring )lessings in the tra$e+ >ne
shoul$ a,,l' goo$ con$uct an$ also )e lenient+ ;e3er shoul$ one )e harsh or ru$e+ Also,
a3oi$ s%earing oaths e2cessi3el' %hen selling+
4e must also reali.e that earning is onl' a necessit' an$ not one<s o)ject+ 6herefore, the
)usiness shoul$ not make one unmin$ful of Allah nor shoul$ it $istract us from His
remem)rance+ &urthermore, Allah sa's in the =uran? 9An$ I ha3e not create$ Ginns an$
men, e2ce,t that the' %orshi, me+9
Here %e shoul$ un$erstan$ %ell that %orshi, $oes not onl' mean Salaah, &asting, Haj etc+
In e3er' as,ect of life, if one %ill $o it for Allah<s sake, then that also )ecomes I)aa$aat (act
of %orshi,) - )e it in one<s eating, earning, ,ro3i$ing for one<s %ife an$ chil$ren or s,en$ing
on the famil'+
Niat ) Intention *
asulullah (S+a+%) sai$, ;i''atul mu<min kha'r min amalihi
<6he ;iat of a )elie3er is )etter than his actions+M
If one has the correct intentions, than that 3er' same act, %hich out%ar$l' ma' seem to )e
a necessit' an$ a $ut' %ill )ecome an I)aa$aat an$ a means of )lessing an$ re%ar$+
:ike%ise, e3en in one<s )usiness, if one %ill $o it for the ,leasure of Allah, ha3ing the correct
intentions, then that 3er' same )usiness an$ halal earning, %hich is a res,onsi)ilit' an$ an
incum)ent $ut' u,on e3er' (uslim+ It is a source of gaining tremen$ous amounts of re%ar$
from Allah 6a<ala an$ a means of 3irtues an$ )lessings+ 6herefore, %hile running a )usiness,
one shoul$ ha3e the intention that?
I am %orking )ecause it is the comman$ of Allah+ 6o ,rotect m' %ife an$ chil$ren from
)egging an$ to ,ro3i$e halal sustenance for them+ In this %a' sa3ing them from haram as
%ell+ I am running this )usiness, so that I can gi3e em,lo'ment to others so that the' too,
can earn a halal li3elihoo$+ 6he %a' I am going to con$uct the )usiness is going to )e an
in3itation for the non (uslims to acce,t Islaam+ I %ill not in$ulge in interest, o3er$raft etc+
an$ that I %ill close m' sho, at salaat times+ &rom the ,rofit I get, I %ill assist the ,oor 0
hel, in goo$ causes, like )uil$ing ma$aaris, masji$, hos,itals etc+
6hese are just some of the intentions that one shoul$ ha3e+ Also, %e see that although it
ma' )e just one sho,, the re%ar$s %ill )e so much+ 6herefore, the more intentions that a
,erson %ill make, the greater the amount of re%ar$ he %ill recei3e+ As ;a)i Os+a+%P has
sai$? 9Leril' actions are ju$ge$ accor$ing to the intentions+9
9An$ Allah 6a<ala has ma$e tra$e la%ful+9 (!a/arah)
9An$ 4e ha3e ma$e the $a' a means of earning li3elihoo$+9 (;a)a)
9An$ it is 4e %ho ha3e ,lace$ 'ou %ith authorit' on the lan$, ,ro3i$e$ 'ou therein %ith
means for fulfilment of 'our life+9 (A<raaf)
9An$ there are others tra3elling in the lan$, seeking Allah<s )ount'+9 ((u.ammil)
9An$ %hen the ,ra'er is finishe$, $is,erse in the lan$ an$ seek the )ount' of Allah ()'
%orking etc+) an$ remem)er Allah much so that 'ou ma' )e successful+9 (Gum<ah)
9> 'ou %ho )elie3e eat from the ,ure things of %hat 4e ha3e sustaine$ 'ou+9 (Al-!a/arah)
The Im-ortan&e an$ ?irtues o, earnin# 4alal
Ha$ith 7 ? Ha.rat A)$ulla i)n (asoo$ Or+aP re,orts that asulullah Os+a+%P sai$, 96o earn a
halal li3elihoo$ is com,ulsor' after the com,letion of other &ara<i$h+9 (com,ulsor' acts)
Ha$ith E ? asulullah Os+a+%P is re,orte$ to ha3e sai$? 9;o one has e3er eaten an' foo$
%hich is )etter than that %hich he ha$ earne$ through %orking %ith his han$s, an$ 3eril'
Allah<s ;a)i, *a%oo$ Oala'his salaamP use$ to eat that %hich he earne$ %ith his han$s+9
Ha$ith H ? Ha.rat A)u Saee$ Khu$ri Or+aP relates from asulullah Os+a+%P that he sai$? 9&or
e3er' ,erson %ho earns an'thing halal %hich he eats himself or %here)' he clothes himself
or an'one of Allah<s creation, that shall )e %ritten as a $ee$ of charit'+9
Ha$ith C ? ;aseeh-al-Ansi Or+aP relates from ak) al (isri Or+aP that asulullah Os+a+%P sai$?
)/lad tidings to those whose earnings are halal.)
Khalifah Hishaam )in A)$ul (aalik aske$ A)u Haa.im (akki (ahmatullah ala'h)? ),ow can
salvation in the hereafter be achieved.)
A)u Haa.im sai$? )'y the acquisition of wealth lawfully and spending it lawfully.)
6he Khalifah aske$? )*ho can do this0)
A)u Haa.im (ahmatullah ala'h) sai$? ),e who wishes for +annat, -ears +ahannam and
searches for Allah"s pleasure. )
Ha$ith 5 ? Sa''i$ina Aisha (A) re,orte$ that asulullah Os+a+%P sai$? 94hosoe3er in the
e3ening is e2hauste$ through his %ork, has all his sins forgi3en )' that e3ening+9
Ha$ith 6 ? Ha.rat Ka<a) )in #jra Or+aP sa's that asulullah Os+a+%P has sai$? 96o %ork for
himself, his chil$ren an$ his ,arents is ,leasing to Allah+ 6o earn for sho% or ,ri$e is the
$e3ils %a'+9
Ha$ith F? Ha.rat A)u Saee$ Or+aP sa's that ;a)i Os+a+%P sai$? 94hosoe3er maintaine$
himself on legitimate earning, follo%e$ the ,ro,hets tra$itions an$ refraine$ from $oing
mischief, $eser3es Gannat an$ %oul$ )e a$mitte$ to it+9 6hose ,resent re,resente$ that
there %ere such ,eo,le those $a's+ ;a)i Os+a+%P sai$? 913en after him there %oul$ )e such
,eo,le+9
!usiness hi&h is $one in the mornin# is 5lesse$
Ha$ith 7 ? Ha.rat Aisha (a$iallahu Anha) sai$ that asulullah Os+a+%P sai$? 9>ne shoul$ go
out to seek sustenance an$ legitimate earning in the morning, for morning %ork is )lesse$
an$ ,ros,erous+9
Ha$ith E ? Ha.rath Sakh<r i)n 4a$<ah Or+aP relates that asulullah Os+a+%P su,,licate$? 9>
Allah )less the mornings of m' ,eo,le+9 4hene3er he $es,atche$ a small or )ig arm', he
$es,atche$ it earl' in the morning+ Ha.rath Sakh<r %as a merchant+ He al%a's $es,atche$
his goo$s in the earl' ,art of the $a' an$ as such his )usiness flourishe$ an$ his %ealth
increase$+
Ha$ith H ? ;a)i Os+a+%P has sai$? 9Allah $istri)utes sustenance to the ,eo,le from $a%n till
sunrise+Q
Pursuit o, halal ealth
asullah(s+a+%) a$3ise$ Ha$hrat Ka<a) I)n (alik (r+a) %ho e2,resse$ his $esire to
contri)ute all his %ealth in the ,ath of Allah to retain some %ealth (sa3ings)+
Ha$ith 7? It is mentione$ in a Ha$ith that to earn halal %ealth is a fard after other far1"id+ In
other %or$s, it is fard to earn halal %ealth after other far1"id %hich are the ,illars of Islam,
such as salRt, fasting, etc+ 6his means that although it is fard to earn halal %ealth, the
status of this fard is less than that of the other far1"id %hich form ,art of the ,illars of
Islam+
6his fard (of seeking halal %ealth) is fard on the ,erson %ho is in nee$ of s,en$ing on the
necessities of life+ 6his is irres,ecti3e of %hether it )e for his o%n necessities or for the
necessities of his %ife an$ famil'+ As for the ,erson %ho has the )asic necessities, this is not
fard on him+ Such as a ,erson %ho o%ns a fe% ,ro,erties or has recei3e$ %ealth through
some other means+ 6his is )ecause Allah 6aSRla has create$ %ealth for the fulfilment of
one<s nee$s an$ so that man %ill fulfil his )asic necessities an$ occu,' himself in the
2ib1dah of Allah 6aSRla+ 6his is )ecause one cannot engage oneself in 2ib1dah %ithout eating
an$ clothing oneself+ &rom this %e can $e$uce that %ealth is not the main o)ject, instea$, it
is merel' a means to%ar$s the fulfilment of another o)ject (i+e+ the 2ib1dah of Allah)+
>nce a ,erson has ac/uire$ sufficient %ealth, he shoul$ not unnecessaril' seek more %ealth
out of gree$, nor shoul$ he unnecessaril' tr' to increase his %ealth+ It is not fard on the
,erson %ho has ac/uire$ sufficient %ealth to seek more %ealth+ In fact, it shoul$ )e clearl'
un$erstoo$ that the gree$ to increase %ealth is something that causes one to )e neglectful
of Allah, an$ the a)un$ance of %ealth makes one ,rone to committing sins+
>ne shoul$ al%a's )e cautious in ac/uiring halal %ealth+ At no time shoul$ (uslims turn
to%ar$s haraam earnings+ 6his is )ecause such a t',e of %ealth has no baraah, such a
,erson is $isgrace$ in this %orl$ an$ in the hereafter, an$ he is ,unishe$ )' Allah+ Some
ignorant ,ersons are un$er the misconce,tion that in ,resent times it is im,ossi)le to earn
halal %ealth an$ that there is no ho,e of earning halal %ealth+ 6his is a)solutel' %rong an$
is actuall' a $elusion of shayt1n+ 8ou shoul$ remem)er that the ,erson %ho acts in
accor$ance %ith the 3har42ah is assiste$ in unseen %a's+ 6he ,erson %ho has the intention
of earning halal an$ a)staining from har1m is ,ro3i$e$ %ith such t',e of %ealth )' Allah+
6his has )een e2,erience$ )' man', an$ the =uran an$ Ha$ith ha3e ,romise$ this in
numerous ,laces+ 13en in these tur)ulent times, those ser3ants of Allah %ho ha3e controlle$
their nafs from har1m an$ $ou)tful things, ha3e )een ,ro3i$e$ %ith the )est of halal %ealth
from Allah+ Such ser3ants are li3ing %ith greater comfort an$ honour than those %ho are
$e3ouring har1m %ealth+ 6he ,erson %ho e2,eriences this himself, %ho notices this in other
,ersons as %ell, an$ fin$s this mentione$ in se3eral ,laces in the =uran an$ Ha$ith cannot
e3en )other a)out %hat these ignorant ,ersons ha3e to sa'+ If 'ou rea$ this (%hat the
ignorant ,ersons ha3e to sa') in an' relia)le )ook, then the meaning of it is not %hat these
ignorant ,ersons ha3e taken it to )e+ 4hen 'ou ha,,en to rea$ such an article, refer to a
religious-min$e$ an$ /ualifie$ 21lim an$ ask him to e2,lain the meaning of it to 'ou+ #nsh1
Allah, 'our $ou)ts %ill )e cleare$ an$ such foolish thoughts %ill $isa,,ear from 'our heart+
4hen it comes to %ealth, ,eo,le are e2tremel' neglectful an$ in$ifferent+ 6he' take u,
,rohi)ite$ ,rofessions an$ em,lo'ments an$ also 3iolate the rights of others+ All this is
har1m+
emem)er that there is no shortage in the treasures of Allah+ 8ou %ill $efinitel' recei3e
%hat has )een ,re$estine$ for 'ou+ So %here is the intelligence in ha3ing e3il intentions an$
making ,re,arations for entr' into the fire of 5ahannamB
Since ,eo,le ,a' 3er' little attention to%ar$s halal %ealth, this su)ject has )een mentione$
time an$ again %ith great em,hasis+ 6he actual ,ur,ose for the creation of man an$ 5inn is
that the' engage in the 2ib1dah of Allah+ 8ou shoul$ therefore )ear this in min$ in all 'our
$ealings an$ transactions+ 8ou ha3e )een aske$ to eat an$ $rink in or$er to gain strength to
remem)er Allah+ 6his $oes not mean that 'ou shoul$ occu,' 'ourself night an$ $a' in the
,leasures of this %orl$ there)' forgetting Allah an$ $iso)e'ing Him+ Some ignorant ,ersons
are un$er the misconce,tion that the' ha3e come into this %orl$ in or$er to eat, $rink an$
enjo' the lu2uries of this %orl$+ 6his is an e2tremel' )las,hemous conce,t+ (a' Allah
$estro' this affliction of ignorance+
Ha$ith E? asTlullRh s.a.w sai$? 9;o ,erson has ,artaken of a meal )etter than that %hich
he has eaten through the earning of his o%n han$s+ 4ithout $ou)t, *RMT$ 2alayhis sal1m
use$ to earn %ith his o%n han$s+9 6his means that it is )est for one to earn %ith one<s o%n
han$s, e+g+ one shoul$ engage in some occu,ation, )usiness, etc+ an$ shoul$ not )e a
)ur$en to others+ ;or shoul$ one sho% an' contem,t for an' occu,ation or menial jo)+
4hen the Am)i'R 2alayhimus sal1m ha$ taken u, such occu,ations, %ho is there %ho is
greater than them in honour an$ res,ectB In fact, no one<s rank is e/ual to theirs, %here
can it e3er )e higher or greater than theirsB It is mentione$ in a Ha$ith that there isn<t a
,ro,het %ho $i$ not gra.e shee,+ #n$erstan$ this %ell an$ sa3e 'ourself from ignorance+
It is the )elief of certain ,ersons that if 'ou recei3e halal %ealth through inheritance or
through an' other a3enue, i+e+ it is not ac/uire$ through 'our o%n har$ %ork, then the' feel
that the' shoul$ still %ork an$ the' regar$ this as an act of ib1dah+ 6his is a gross error+
Instea$, it is ,refera)le for such a ,erson to occu,' himself in the ib1dah of Allah+ 4hen
Allah has gi3en 'ou ,eace of min$ an$ remo3e$ the concern of ac/uiring sustenance, it is a
sign of great ingratitu$e that 'ou $o not remem)er Him an$ instea$ %orr' a)out increasing
'our %ealth+ All halal %ealth is goo$ no matter ho% it comes to 'ou ,ro3i$e$ 'ou $o not
ha3e to )ear an' $isgrace+ 6his is a great )ount' of Allah, one has to 3alue it, s,en$ it in
the ,ro,er manner, an$ $o not allo% an' %astage an$ e2tra3agance+
6he im,ort of the Ha$ith is that ,eo,le shoul$ not )ur$en others an$ shoul$ not )eg from
others as long as there is no alternati3e %hich has )een recogni.e$ as such )' the 3har42ah+
6he Ha$ith also teaches that no occu,ation shoul$ )e regar$e$ as contem,ti)le, halal
%ealth shoul$ )e ,ursue$, an$ that earning shoul$ not )e consi$ere$ to )e a )lemish+ 6his
to,ic has )een $iscusse$ in $etail so that ,eo,le $o not consi$er earning %ith their o%n
han$s to )e )elo% their $ignit', an$ that the' can eat, fee$ an$ s,en$ in charit' from their
earnings+
6his Ha$ith $oes not mean that halal %ealth other than that %hich has )een earne$ through
one<s o%n han$s is not halal or that it cannot e/ual %ealth that has )een earne$ %ith one<s
o%n han$s+ In fact, at times, other %ealth is )etter than that %hich has )een earne$ %ith
one<s o%n han$s+ 5ertain ignorant ,ersons critici.e an$ con$emn those ,ious ,ersons %ho
ha3e ,lace$ their trust in Allah an$ use this Ha$ith as a ,roof that such ,ersons ought to
earn through their o%n har$ %ork an$ that the' shoul$ not merel' sit )ack, ha3e tawaul,
an$ $e,en$ on gifts from others+ 6his is actuall' a sign of their immaturit' an$ this
o)jection of theirs goes right u, to asTlullRh s.a.w+ Such ,ersons shoul$ fear Allah in this
regar$, as there is the ,ossi)ilit' that )' their sho%ing $isres,ect, critici.ing an$ censuring
these ,ious ser3ants, the' %ill )e ,unishe$ in this %orl$ an$ in the hereafter+ !' )eing
$isres,ectful to the auliy1 of Allah, there is the fear of one losing one<s 4m1n an$ $'ing in a
state of ufr+ (a' Allah make such a ,erson e2tinct )efore he can critici.e the auliy1
)ecause this %ill )e )est for him+
If one ,on$ers o3er the =uran an$ Ha$ith %ith an o,en min$, one %ill learn that it %ill )e
,refera)le for a ,erson %ho fulfils the /ualities of tawaul to ,ractice tawaul instea$ of
earning a li3ing+ 6his is the highest stage of wil1yat+ asTlullRh s.a.w himself %as a
mutawail+ 6he income that a ,erson recei3es as a mutawail is much )etter than the
income that one earns through oneMs o%n har$ %ork+ 6here is s,ecial baraah an$ s,ecial
n6r in such income %here)' Allah 6a<ala has grante$ such a ,erson such a high status,
foresight, un$erstan$ing an$ n6r+ 6he ,erson can see the baraah of this %ith his o,en
e'es+
6his su)ject %ill )e $ealt %ith in $etail at another ,lace+ !ecause this is a concise article, it
is not ,ossi)le to go into much $etail+ It %ill )e sufficient to un$erstan$ o3er here that such
an o,inion is a)solutel' %rong as has alrea$' )een e2,laine$+ &urthermore, it is an act of
great injustice that a ,erson is not ,ious himself an$ 'et %hen someone else has an' ,iet'
in him, he )egins to critici.e an$ censure him+ Ho% %ill the ,erson ha3e the courage to face
Allah %hen he is causing such harm to His auliy1B
A,art from the a)o3e-mentione$ )enefits of tawaul, there are man' other 74n4 )enefits+
As for the mutawail4n %ho are engage$ in teaching an$ gui$ing the masses, it is fard to
ser3e them to the e2tent that their necessar' e2,enses are ,ai$ for+ So if the' are
acce,ting this right of theirs, %h' shoul$ it )e consi$ere$ to )e %rongB (ore so %hen those
%ho are not mutawail4n also $eman$ their rights )' arguing an$ fighting, %hile the
mutawail4n acce,t their rights %ith great res,ect an$ )' honouring the ,eo,le+ It is
a,,arent that there is onl' goo$ in acce,ting gifts - %hen there is no ,ossi)ilit' of $isgrace,
the ,erson is in$e,en$ent, he takes it %ithout reall' %orr'ing a)out it, an$ es,eciall' %hen
the ,erson %ho ga3e it %ill )e greatl' ,ertur)e$ if it %ere returne$ to him+ 6he realit' is
that ,ersons %ho are true mutawail4n recei3e their sustenance %ith great honour+
Ho%e3er, their intention an$ their attention is onl' $irecte$ to%ar$s ha3ing com,lete trust
in Allah+ 6heir e'es are not set on the creation+ As for the one %ho ho,es to recei3e
something from the creation an$ sets his e'es on their %ealth, he is an im,oster an$ is not
inclu$e$ in our $iscussion+ 4e ha3e onl' confine$ oursel3es to e2,laining the con$ition of
the true mutawail4n+ It is a major sin to $es,ise an'one es,eciall' if such a ,erson is one
of the s,ecial ser3ants of Allah+ 6hese ,ious ser3ants are not harme$ in an' %a' )' 'our
criticisms+ Instea$, the' onl' )enefit from them )ecause on the $a' of ju$gement the' %ill
recei3e the goo$ $ee$s of those %ho s,oke ill of them+ Harm %ill onl' come to those %ho
s,eak ill of them an$ the' %ill )e $estro'e$ in this %orl$ an$ in the hereafter+
It shoul$ also )e remem)ere$ that the 3har42ah has not grante$ ,ermission for tawaul to
e3er' one+ It is e2tremel' $ifficult to take u, the task of ta%akkul an$ to fulfil all its
con$itions+ It is for this reason that %e fin$ so fe% ,ersons like this+ In fact, there are so
fe%, it is as if there is no one+ It shoul$ )e remem)ere$ that something that is 3er' goo$ is
3er' scarce+ 4e e2,ress our gratitu$e to Allah that through a little ,on$ering an$ thinking,
this su)ject has )een %ritten 3er' %ell+ (a' Allah grant 'ou an$ me the a)ilit' to ,ractice
on this+ 8m4n+
Ha$ith H? It is mentione$ in a Ha$ith that Allah is tayyib an$ that He onl' acce,ts that %hich
is tayyib+ Allah has comman$e$ the )elie3ers %ith that %hich He comman$e$ the ,ro,hets+
Allah a$$resse$ the ,ro,hets sa'ing? 9> ,ro,hetsK 1at that %hich is ,ure (i+e+ halal) an$ $o
goo$ $ee$s+9 An$ He a$$resse$ the )elie3ers sa'ing? 9> 'ou %ho )elie3eK 1at of the ,ure
things %hich 4e ha3e ,ro3i$e$ for 'ou+9 6hereafter, asTlullRh s.a.w mentione$ a ,erson
%ho has un$ertaken a 3er' long journe' an$ %ho is in a 3er' unti$' an$ $ishe3elle$ state
(on account of his journe')+ He raises his han$s to%ar$s the hea3ens sa'ing? 9> AllahK >
AllahK9 (i+e+ he )eseeches Allah again an$ again asking Him for His merc' an$ the fulfilment
of all his nee$s), %hile his foo$ is har1m, his $rink is har1m, his clothing is har1m, an$ he
has )een )rought u, in har1m+ So ho% can his du21 )e acce,te$B9
In other %or$s, $es,ite his )earing such )ur$ens, on account of this har1m %ealth, his du21
%ill ne3er )e acce,te$+ 13en if he reali.es his goal an$ am)ition, it %ill not )e on account of
his du21 )ut on account of it alrea$' )eing ,re$estine$ in his fa3our+ Gust as the goals an$
am)itions of the uff1r are reali.e$+
6he meaning of a du21 )eing acce,te$ is that Allah looks at a ,erson %ith merc'+ It is
through this merc' that He grants him %hate3er he %ishes for, an$ )ecause of his asking,
Allah re%ar$s him+ So this can onl' )e attaine$ )' the ,erson %ho confines himself to the
$ictates of the 3har42ah an$ asks for %hate3er he %ishes from Allah alone+ &rom this %e
learn that halal %ealth has an a)un$ance of baraah an$ that it has a great influence (on
the ,erson<s life)+ !' consuming halal %ealth, one gets the ,o%er to $o goo$ an$ one<s
lim)s act in accor$ance %ith one<s intellect+
A)u HRmi$ al--ha..RlU (rah) narrates from a great s6fi )' the name of Suha'l (rah) %ho
sai$ that %hen a ,erson eats har1m, his lim)s gi3e u, follo%ing his intellect+ 6hat is, his
intellect comman$s his lim)s to $o goo$ )ut the' $o not o)e' it+ Ho%e3er, this is onl'
kno%n to those %hose hearts are illuminate$+ As for those %hose hearts are )lack, the' are
,reoccu,ie$ $a' an$ night in lu2uries an$ follo%ing their $esires, an$ this has no effect on
them+ (a' Allah ,rotect the sensiti3it' an$ insight of our heart+ 8m4n+
(alfT. C? SA)$ullah )in (u)Rrak (rah) sa's? 9I ,refer returning one dirham %hich is $ou)tful
than gi3ing 6II III dirhams in charit'+9 &rom here %e can $e$uce the serious nature of
$ou)tful %ealth+ It is e2tremel' sa$ that to$a' ,eo,le $o not e3en gi3e u, haraam %ealth+
All the' are intereste$ in is ac/uiring %ealth irres,ecti3e of ho% it is o)taine$ %hile the
,ious ser3ants of Allah use$ to regar$ $ou)tful %ealth %ith a)horrence+ It is necessar' to
safeguar$ oneself from haraam %ealth an$ essential to e2ercise e2treme caution in this
regar$+ !' consuming haraam %ealth, numerous e3ils are )orn in the soul+ 6his is %hat
$estro's man+
Ha$ith 5? It is mentione$ in a Ha$ith that asTlullRh s.a.w sai$? 96he halal is clear an$ the
har1m is clear+ In-)et%een these t%o, there are man' $ou)tful things+ 6he ,erson %ho
a)stains from these $ou)tful things has in fact safeguar$e$ his 74n an$ his honour+ As for
the one %ho consumes the $ou)tful things, he %ill soon consume that %hich is har1m+
Similar to the she,her$ %ho gra.es his flock aroun$ the sanctuar' of a king+ It is highl'
,ossi)le that he %ill 3er' soon fall into that sanctuar'+ !e%are, e3er' king has a sanctuar',
an$ the sanctuar' of Allah is all those things %hich He has ma$e har1m+ !ehol$, there is a
,iece of flesh in the )o$', if it is soun$, the entire )o$' %ill )e soun$+ !ut if it is unsoun$,
the entire )o$' %ill )e unsoun$+ !ehol$, it is the heart+9
Ha$ith 6? It is mentione$ in a Ha$ith that asTlullRh s.a.w sai$? 9(a' Allah $estro' the
Ge%s+ &at %as ma$e har1m u,on them, )ut the' melte$ it an$ sol$ it+9
Ha$ith F? asTlullRh s.a.w sai$? 9It is not ,ossi)le for a ,erson to earn har1m %ealth, gi3e it
in charit', an$ e2,ect to recei3e an' re%ar$ for it+ ;or is it ,ossi)le for him to s,en$ such
earnings an$ e2,ect to recei3e an' )lessings in it+ ;or is it ,ossi)le for him to lea3e it
)ehin$ an$ e2,ect it to )e a source of ,ro3ision for him in the future+ Instea$, he %ill enter
hell+ 4ithout $ou)t, Allah $oes not %i,e out e3il %ith e3il+ Instea$, He %i,es out e3il %ith
goo$+ 4ithout $ou)t, har1m %ealth $oes not %i,e out sins+9
Ha$ith J? It is mentione$ in a Ha$Uth that the flesh %hich has )een )rought u, an$ nurture$
%ith har1m %ealth %ill not enter 5annah+ An$ all such flesh is most suita)le for 5ahannam+
In other %or$s, a ,erson %ho $e3ours har1m %ill not enter 5annah %ithout e2,iating for his
sins+ 6his $oes not mean that he %ill ne3er enter 5annah like the uff1r+ Instea$, if he $ies a
(uslim )ut %as in3ol3e$ in $e3ouring har1m %ealth, he %ill )e ,unishe$ for his sins an$
e3entuall' a$mitte$ into 5annah+ If he re,ents for his sins )efore his $eath an$ fulfils the
rights of those %hom he o%es, Allah %ill forgi3e him an$ he %ill )e safe from the
,unishment %hich has )een mentione$ in the Ha$Uth+
Ha$ith A? It is mentione$ in a Ha$Uth that a ,erson %ill not )e a com,lete )elie3er until he
a)an$ons those things in %hich there is no fear (of it )eing har1m) )ecause of something in
%hich there is fear+ In other %or$s, there are certain things %hich are a)solutel' halal, %hile
others are merel' ,ermissi)le+ Ho%e3er, )' turning one<s attention to%ar$s the latter an$
consuming such %ealth, there is the ,ossi)ilit' an$ fear of committing a crime+ 6herefore,
e3en such halal %ealth shoul$ not )e consume$ nor shoul$ such halal acti3it' )e carrie$
out+ 6his is )ecause although there is no sin in engaging in such halal acti3it' or consuming
such halal %ealth, there is still the ,ossi)ilit' of falling into sin+ An$ %e kno% that the means
to an e3il is also consi$ere$ to )e an e3il+ &or e2am,le, it is ,ermissi)le an$ halal to eat an$
%ear e2,ensi3e foo$ an$ clothing+ !ut )ecause )' one )ecoming ,re-occu,ie$ in such
lu2uries )e'on$ the limits, there is the ,ossi)ilit' an$ fear of committing sins+ Piet' an$
righteousness $eman$s that such foo$ an$ clothing )e a)staine$ from+
It is mar6h to consume %ealth that is $ou)tful+ !' consuming it, there is a great ,ossi)ilit'
that one %ill lose control o3er one<s nafs an$ there)' fall into har1m+ Such %ealth shoul$
therefore )e a)staine$ from+
Ha$ith 7I? SVMishah radiyall1hu 2anh1 narrates that A)T !akr (r.a) ha$ a sla3e %ho use$ to
gi3e him hir15+ A)T !akr (r.a) use$ to consume this income+ >ne $a', this sla3e )rought
something an$ A)T !akr (r.a) ate it+ 6he sla3e then aske$ him? 9*o 'ou kno% %hat 'ou
ateB9 A)T !akr (r.a) aske$? 94hat %as itB9 He re,lie$? 9In the times of 51hil4yyah ($a's of
ignorance or ,re-Islamic era) I ha$ gi3en certain information to a ,erson accor$ing to the
rules an$ regulations of the fortunetellers+ Ho%e3er, I $i$ not kno% this art (of fortune
telling) 3er' %ell+ I $elu$e$ this ,erson into )elie3ing %hate3er I ha$ tol$ him+ 6his ,erson
met me an$ ga3e me that %hich 'ou ate as a com,ensation for the information that I ha$
gi3en him+ 6hat %hich 'ou ha3e eaten is actuall' %hat he ga3e me+9 #,on hearing this, A)T
!akr (r.a) inserte$ his han$ $o%n his throat an$ 3omite$ e3er'thing that %as in his
stomach+
In other %or$s, as a ,recaution an$ out of com,lete ,iet', he e2,elle$ e3er'thing from his
stomach as it %oul$ ha3e )een im,ossi)le to e2,el onl' that %hich %as gi3en )' this sla3e+
13en if he $i$ not 3omit it out, he %oul$ not ha3e )een committing an' sin+
Ha$ith 77? It is mentione$ in a Ha$Uth that a ,erson %ho ,urchases a garment for 7I
dirhams an$ one dirham from it %as har1m, Allah %ill not acce,t his sal1t as long as he is
%earing that garment+
Although the ,erson %ill a)sol3e himself of this $ut', he %ill not recei3e the full re%ar$ for
his sal1t+ >ther acts coul$ also )e )ase$ on this+ 4e shoul$ fear Allah in this regar$+ &irst of
all, our acts of 2ib1dah are not offere$ in the ,ro,er manner+ An$ those that are offere$ go
to %aste in this %a' ()' har1m %ealth)+ 4hat ans%er %ill %e gi3e to Allah on the $a' of
ju$gement an$ ho% %ill %e )ear the se3ere ,unishmentB
Ha$ith 7E? It is mentione$ in a Ha$Uth that asTlullRh s.a.w sai$? 96here isn<t an'thing
%hich %ill take 'ou near to 5annah an$ kee, 'ou a%a' from 5ahannam e2ce,t that I ha3e
or$ere$ 'ou to $o it+ An$ there isn<t an'thing %hich %ill $istance 'ou from 5annah an$ take
'ou closer to 5ahannam e2ce,t that I ha3e ,rohi)ite$ 'ou from $oing it+ Gi)raMUl has informe$
me that no ,erson %ill $ie until his sustenance has )een com,lete$ for him e3en though he
ma' recei3e it late+ &ear Allah an$ tr' to restrict 'ourself in seeking 'our sustenance+ *on<t
e3er allo% a $ela' in recei3ing 'our sustenance from seeking something through the
$iso)e$ience of Allah+ 6his is )ecause it is the gran$ status of Allah that nothing can )e
attaine$ from Him through $iso)e$ience, irres,ecti3e of %hether it )e 'our sustenance or
an'thing else+9
Ha$ith 7H? asTlullRh s.a.w sai$? 9>ut of ten ,arts, nine ,arts of one<s sustenance is in
)usiness+9 In other %or$s, )usiness is a great source of income+ 8ou shoul$ therefore o,t
for it+
Ha$ith 7C? It is mentione$ in a Ha$Uth that Allah )efrien$s a )elie3er %ho is har$ %orking
an$ %ho is a tra$esman, an$ %ho $oes not %orr' a)out %hat he is %earing+
In other %or$s, )ecause of his har$ %ork an$ toiling, he %ears or$inar', $irt' clothes+ He
$oes not ha3e so much of time nor the o,,ortunit' %herein he can kee, his clothes clean+
As for the ,erson %ho is not force$ to $o so, he shoul$ %ear clean an$ sim,le clothes+
Ha$ith 75? asTlullRh s.a.w sai$? 9It %as not re3eale$ to me that I shoul$ gather %ealth or
that I shoul$ )ecome a )usinessman+ Ho%e3er, it has )een re3eale$ to me that I shoul$
glorif' Allah, ,raise Him, )e of those %ho ,rostrate to Him an$ that I engage in His 2ib1dah
until $eath o3ertakes me+9
In other %or$s, $o not occu,' 'ourself in this %orl$ more than necessar' )ecause it is w15ib
on e3er'one to make arrangements for li3ing accor$ing to necessit' onl' (an$ not more)+ As
for the ,erson %ho has the ,o%er of tawaul an$ fulfils all the con$itions of tawaul, such
a ,erson can lea3e all the occu,ations of this %orl$ an$ occu,' himself %ith theoretical
(2ilmi) an$ ,ractical (2amali) 2ib1dah+
Ha$ith 76? GR)ir (r.a) narrates that asTlullRh s.a.w sai$? 9(a' Allah ha3e merc' on the
,erson %ho is lenient an$ soft-hearte$ %hen he sells something, ,urchases something, an$
%hen he asks for re,a'ment of loans gi3en+9
-lor' )e to AllahK Ho% great it is to $is,la' lenienc' an$ soft-hearte$ness at the time of
)u'ing, selling an$ asking for re,a'ment of loans gi3en that asTlullRh s.a.w is making a
s,ecial du21 for such a ,erson+ 4e kno% for sure that his du21 %ill )e acce,te$+ If this %as
the onl' 3irtue of $is,la'ing lenienc' an$ there %as no other re%ar$, then this 3irtue in
itself is 3er' great+ Ho%e3er, one %ill still )e re%ar$e$ for this lenienc' an$ soft-
hearte$ness+ It %oul$ therefore )e a,,ro,riate for the tra$ers an$ )usinessmen to act u,on
this Ha$ith an$ there)' make themsel3es eligi)le for the du21 of asTlullRh s.a.w+
A,art from this, the )enefit of such )eha3iour in this %orl$ is that ,eo,le %ill )e ha,,' %ith
such a ,erson an$ his )usiness %ill ,ros,er+ -enerall', ,eo,le refer to such a ,erson time
an$ again+ At times, the' e3en make du21 for him out of ha,,iness+ 6he realit' of the
situation is that the ,erson %ho li3es an$ acts accor$ing to the 3har42ah li3es in this %orl$
an$ in the hereafter like a king an$ in great comfort+ 4ho can )e more fortunate than this
,erson %ho has the )lessings of )oth the %orl$s an$ %ho is )elo3e$ an$ honoure$ )' Allah
an$ )' most of the ,eo,le as %ellB
Ha$ith 7F? asTlullRh s.a.w sai$? 9!e cautious of taking too man' oaths %hen selling
an'thing+ 6his is )ecause too man' oaths cause the goo$s to )ecome ,o,ular among the
,eo,le (an$ )ecause of these oaths the' )egin attaching 3alue to the goo$s)+ 6his results in
a lack of baraah an$ one is there)' $e,ri3e$ of an' ,rofits )oth in this %orl$ an$ in the
hereafter+
Ha$ith 7J? asTlullRh s.a.w sai$? 96he )usinessman %ho is honest in his $ealings an$
trust%orth' %ill )e %ith the ,ro,hets, sidd4q4n, an$ mart'rs on the $a' of ju$gement+9
In other %or$s, the )usinessman %ho ,ossesses the a)o3e-mentione$ /ualities %ill )e in
the com,an' of the Am)i'R 2alayhimus sal1m, the sidd4q4n, the mart'rs, an$ %ill gain
sal3ation from 5ahannam+ !eing %ith such ,ersons $oes not mean that the' %ill enjo' the
same status as them+ 4hat it means is that the' %ill attain a s,ecial t',e of greatness
%hich is normall' ac/uire$ )' remaining in the com,an' of such ,ersons+ 6his is similar to a
,erson %ho in3ites a ,ious ,erson to his house an$ also hosts the atten$ants of this ,ious
,erson+ It is o)3ious that the ,lace %here these atten$ants %ill eat their foo$ an$ the foo$
that the' %ill eat %ill )e the same as that of the ,ious ,erson+ *es,ite this, the status an$
res,ect that these ,ersons %ill ha3e for this ,ious ,erson %ill )e higher than that %hich the'
%ill ha3e for these atten$ants+ !ut )eing in his com,an', sitting at one ,lace an$ ,artaking
of the same foo$ is also a great feat accom,lishe$ )' the atten$ants+ Attaining the com,an'
of asTlullRh s.a.w itself is a great 3irtue+ Assuming that the' $o not e3en recei3e an' foo$
nor an' honour an$ res,ect from )eing in his com,an', merel' )eing in his com,an' is
sufficient for those (uslims %ho lo3e asTlullRh s.a.w+ :et alone )eing in his com,an' )eing
a great achie3ement, e3en )eing his neigh)our is a great 3irtue+ It is therefore e2tremel'
a,,ro,riate for (uslims to )e entitle$ to this )lesse$ du21 of asTlullRh s.a.w+
Ha$ith 7A? asTlullRh s.a.w sai$? 9> tra$ersK 4ithout $ou)t, )usiness is such a thing that a
lot of foolish talk takes ,lace an$ man' oaths are taken+ 6herefore inclu$e charit' in it+9
In other %or$s, it is re,rehensi)le to engage in foolish talk an$ to take too man' oaths+ 8ou
shoul$ therefore gi3e in charit' so that it ma' )e an e2,iation for those oaths an$ in$iscreet
con3ersations %hich 'ou ma' un%ittingl' engage in, an$ so that it ma' also remo3e the filth
an$ grime that ma' ha3e accumulate$ in 'our heart )ecause of this+
Ha$ith EI? It is mentione$ in a Ha$Uth that the )usinessmen %ill rise as sinners an$
shameless ,ersons on the $a' of ju$gement e2ce,t for that )usinessman %ho feare$ Allah
an$ s,oke the truth+ 6he ,erson %ho $i$ not commit an' sin in his transactions %ill )e
sa3e$ from this calamit'+
De5ts0 Detestation o, takin# &re$it unne&essarily
Among the %orst of calamities is $e)t, es,eciall' if one has no means of ,a'ing the $e)ts+
4hen one<s famil' 0 %ealth cause one to forget the Aakkirah the' %ill )e one<s enemies+
e$uce 'our $e)ts, li3e a free ,erson+ Ser3ice 'our clients accor$ing to 'our financial
a)ilit'+
Ha$ith 7? A)T SaSU$ (r.a) narrates that he hear$ asTlullRh s.a.wsa'ing? 9I seek refuge in
Allah from ufr an$ $e)ts+9 A ,erson aske$? 9> asulullahK *o 'ou regar$ ufr an$ $e)ts to
)e e/ual that 'ou are mentioning them togetherB9 He re,lie$? 98es+9
Ha$ith E? SA)$ullah )in S#mar (r.a) narrates that asTlullRh s.a.w sai$? 9*e)ts is the flag of
Allah on earth+ 4hen He %ishes to $isgrace an'one, He )ur$ens him %ith the %eight of
$e)ts+9
Ha$ith H? SA)$ullah )in S#mar (r.a) narrates that he hear$ asTlullRh s.a.w a$3ising a
,erson in the follo%ing manner? 9e$uce 'our sins so that 'our $eath %ill )e eas'+ e$uce
'our $e)ts so that 'ou ma' li3e a free ,erson+9
Ha$ith C? A)T Hura'rah (r.a) narrates that asTlullRh s.a.w sai$? 9Allah %ill fulfil the $e)ts
of a ,erson %ho takes on cre$it %ith the intention of fulfilling his $e)t+ Allah %ill $estro' the
,erson %ho takes on cre$it %ith the intention of not ,a'ing it an$ cheating ,eo,le+9
Ha$ith 5? SVMishah radiyall1hu 2anh1 narrates that asTlullRh s.a.w sai$? 9I %ill hel, the
,erson %ho is in3ol3e$ in $e)ts an$ thereafter makes e3er' effort to fulfil them, )ut ,asses
a%a' )efore he can fulfil them+9
Ha$ith 6? (a'mTn Kar$U (r.a) narrates that asTlullRh s.a.w sai$? 96he ,erson %ho marries
a %oman %ith mahr, %hether it )e a small amount or a large amount+ An$ has this intention
that he %ill not ,a' her the mahr an$ ,asses a%a' %ithout ,a'ing her, then on the $a' of
ju$gement he %ill rise as an a$ulterer in the ,resence of Allah+ An$ the ,erson %ho takes a
loan %ith the intention of not ,a'ing it )ack an$ ,asses a%a' %ithout fulfilling it, %ill rise as
a thief in the ,resence of Allah on the $a' of ju$gement+9
Ha$ith F? S#mar )in Shura'$ narrates from his father (%ho is a SahR)U) that asTlullRh
s.a.w sai$? 96he $ela'ing of a ,erson %ho is a)le (to ,a' his $e)ts) makes his honour an$
%ealth halal+9 In other %or$s, if a ,erson is a)le to fulfil his $e)ts an$ 'et $oes not $o so,
then his cre$itors can $isgrace him, s,eak ill of him, announce his $ishonest' in his
transactions, an$ %hen ,ossi)le, the' can claim )ack their rights either o,enl' or in secret+
Ha$ith J? A)T *har (r.a) narrates that asTlullRh s.a.w sai$? 9Allah a)hors H ,ersons? (a)
an ol$ man %ho is an a$ulterer, ()) a ,oor ,erson %ho has a lot of ,ri$e, (c) a rich
o,,ressor (%ho o,,resses his cre$itors )' $ela'ing in ,a'ing his $e)ts)+9
Du@A ,or the ,ul,ilment o, $e5ts
Ha$ith 7? A mu1tab came to SAlU (r.a) an$ sai$? 9I ha3e )ecome inca,a)le of ,a'ing for m'
free$om+ Please hel, me+9 He re,lie$? 9I %ill sho% 'ou a du21 %hich asTlullRh s.a.w taught
me+ 13en if 'ou ha3e $e)ts e/ual to mount Thubayr, Allah %ill fulfil 'our $e)ts for 'ou+ 6he
du21 is?
Ha$ith E? Anas )in (Rlik (r.a) narrates that asTlullRh s.a.w sai$ to (uSR$h )in Ga)al (r.a)?
9Shoul$ I not teach 'ou a du21 %hich if recite$, Allah %ill fulfil 'our $e)ts e3en if the' e/ual
a mountainB 6he du21 is?
Loan " De5ts
Takin# a Loan ith the intention o, Not Payin# it !a&k
Peo,le<s rights are 3er' im,ortant in the sight of Allah+ A ,erson ma' )e forgi3en %hen he
$oes not fulfill Allah<s rights if he re,ents, )ut he cannot esca,e from fulfilling ,eo,le<s right
)efore a *a' comes %here accounts are not settle$ )' mone', )ut )' goo$ $ee$s an$ sins+
Allah sa's, 9Leril'K Allah comman$s that 'ou shoul$ ren$er )ack the trusts to those to
%hom the' are $ue+9 OC,5JP A ,ractice that has )ecome common is to take lightl' the
matter of )orro%ing, for some ,eo,le $o not )orro% to fulfill a )asic nee$, )ut to li3e more
comforta)l' an$ to com,ete %ith others in ac/uiring ne% cars, ne% furniture, an$ such
things of this %orl$l' life+
6aking $e)t lightl' lea$s to ,rocrastination in ,a'ing it )ack, or lea$s to the loss of other
,eo,le<s mone'+ 6he Pro,het, s+a+%, %arne$ a)out the ,unishment of this act sa'ing,
94hosoe3er takes ,eo,le<s mone' %ith the intention of ,a'ing it )ack, Allah %ill carr' out
Othis )ur$enP for him+ An$ %hosoe3er takes ,eo,le<s mone' %ith the intention to loose it
Oi+e+, not ,a' it )ackP Allah %ill $estro' him+9 (!ukhari) Peo,le are 3er' la2 in the matter of
)orro%ing, %hile it is a serious thing in the sight of Allah+ e,a'ing $e)ts is so serious that
e3en the mart'r, in s,ite of the great sacrifice he offere$, the great re%ar$ he %ill get an$
the high ,osition he %ill gain, cannot esca,e from ,a'ing his $e)t+ &or the Pro,het, s+a+%,
sai$, 9Praise to Allah, ho% Allah has stresse$ the seriousness of $e)t+ !' the >ne 4ho m'
soul is in His Han$s, if a man %ere kille$ for the sake of Allah, then resurrecte$, then kille$
again, then resurrecte$ then kille$ again, an$ he ha$ a $e)t, he %ill not enter Para$ise until
his $e)t is ,ai$ for him+9 (An-;asai) 4oul$ those %ho in$ulge in )orro%ing refrain after
hearing this ha$eethB
Ha$hrat A)i #mamah (+A) narrates that asulullah s+a+% sai$, <Aari'a (loane$ item) shoul$
)e fulfille$@ *e)t shoul$ )e fulfille$@ (inha (loane$ goat or shee,) )e returne$ an$ the
Za<eem (Kafeel) is res,onsi)le+< (;as)ur aa'a)
;arrate$ A)u Huraira (r+a)? Allah<s A,ostle sai$, 9Procrastination ($ela') in re,a'ing $e)ts
)' a %ealth' ,erson is injustice+9
;arrate$ A)u Huraira (r+a)? A man $eman$e$ his $e)ts from Allah<s A,ostle in such a ru$e
manner that the com,anions of the Pro,het inten$e$ to harm him, )ut the Pro,het sai$,
9:ea3e him, no $ou)t, for he (the cre$itor) has the right to $eman$ it (harshl')+ !u' a
camel an$ gi3e it to him+9 6he' sai$, 96he camel that is a3aila)le is ol$er than the camel he
$eman$s+96he Pro,het sai$, 9!u' it an$ gi3e it to him, for the )est among 'ou are those
%ho re,a' their $e)ts han$somel'+ 9
;arrate$ Ga)ir )in <A)$ullah Al-Ansari (r+a)? (' father %as mart're$ on the -ha.%a of #hu$
an$ left 6 $aughters an$ some $e)ts to )e ,ai$+ 4hen the time of ,lucking the $ate-fruits
came, I %ent to Allah<s A,ostle an$ sai$, 9> Allah<s A,ostleK 'ou kno% that m' father %as
mart're$ on #hu$<s $a' an$ o%e$ much $e)t, an$ I %ish that the cre$itors %oul$ see 'ou+9
6he Pro,het sai$, 9-o an$ collect the 3arious kin$s of $ates an$ ,lace them se,aratel' in
hea,s9< I $i$ accor$ingl' an$ calle$ him+ >n seeing him,the cre$itors starte$ claiming their
rights ,ressingl' at that time+ 4hen the Pro,het sa% ho% the' )eha3e$, he %ent roun$ the
)iggest hea, for three times to in3oke AllahMs )lessing an$ sat o3er it an$ sai$, 95all 'our
com,anions (i+e+ the cre$itors)+9 6hen he ke,t on measuring an$ gi3ing them, till Allah
cleare$ all m' father<s $e)ts+ !' Allah, it %oul$ ha3e ,lease$ me thatAllah %oul$ clear the
$e)ts of m' father e3en though I ha$ not taken asingle $ate to m' sisters+ !ut )' Allah, all
the hea,s %ere com,lete, (as the' %ere) an$ I looke$ at the hea, %here Allah<s A,ostle
%as sitting an$ notice$ as if not a single $ate ha$ )een taken thereof+
;arrate$ A)u Huraira (r+a)? A $ea$ man in $e)t use$ to )e )rought to Allah<s A,ostle %ho
%oul$ ask, 9Has he left an'thing to re ,a' his $e)tsB9 If he %as informe$ that he ha$ left
something to co3er his $e)ts the Pro,het %oul$ offer the funeral ,ra'er for him@ other%ise
he %oul$ sa' to the (uslims ,resent there), 9>ffer the funeral ,ra'er for 'our frien$?9)ut
%hen Allah hel,e$ the Pro,het to gain 3ictor' (on his e2,e$itions), he sai$, 9I am closer to
the !elie3ers than themsel3es, so+ if one of the!elie3ers $ies in $e)t, I %ill re,a' it, )ut if
he lea3es %ealth, it %ill )e for his heirs+
&a/ih A)ul-:aith Samar/an$i (ahimahumullah) re,orts from Ha.rat Ali (+A) in his !#S6A;
that the ,erson that $esires to maintain his goo$ health for man' 'ears to come shoul$?
1at in the mornings an$ e3enings onl'+ A)stain from taking loans an$ $e)ts (as these %ill
cause him much an2iet' an$ %orries)+ *esist from %alking aroun$ )are-foote$+ e$uce
se2ual intercourse to )are minimum+
>N L>ANIN<
6he %or$ =ar$h in Ara)ic literall' means 9cutting offQ+ 4hen the mone'len$er len$s to
someone, he actuall' cuts off some of his mone' an$ gi3es it to the )orro%er+ In Islamic
la%, =ar$h means to gi3e mone' to someone that ma' )enefit from it an$ ,a' )ack the
same+
=ar$h is a form of kin$ness+ 6he Pro,het, (s+a+%), calle$ it maneehah (i+e+, a ,resent or an
act of kin$ness) )ecause the )orro%er )enefits from it an$ then returns it to the len$er+
I/raa$h (to gi3e a /ar$h) is (ustaha)) (commen$a)le) an$ there is a great re%ar$ for
$oing so+ 6he Pro,het s+a+% sai$ 9An' (uslim %ho len$s to another (uslim t%ice, %ill )e
re%ar$e$ for one of these t%o loans as charit'+9 (i)n (ajah)
It %as sai$, 9=ar$h is )etter than charit', for no one asks for a $e)t e2ce,t one in nee$+9
6he Pro,het s+a+% sai$, 9He %ho remo3es from a (uslim one of his $ifficulties from this
%orl$, Allah %ill remo3e one of his $ifficulties on the *a' of esurrection+9 ((uslim)
6herefore /ar$h is a goo$ $ee$ an$ a relief from a $ifficult' for a (uslim an$ the fulfillment
of his nee$+ Asking for /ar$h is not something makrooh (re,rehensi)le) for the Pro,het
himself aske$ for a loan+
In or$er for the /ar$h to )e 3ali$, the mone' shoul$ )e la%ful to len$+ It is not ,ermissi)le,
for e2am,le, for the guar$ian of an or,han to len$ from the or,han<s monies+ Another
con$ition for the 3ali$it' of the /ar$h is the kno%le$ge of the amount an$ t',e of mone'
gi3en in the loan so that it can )e returne$ to the len$er+ 6he )orro%er is in$e)te$ an$
lia)le for the loan an$ must return it to the len$er once the former is ca,a)le of $oing so,
%ithout $ela'+
6he len$er is ,rohi)ite$ from re/uesting an increase in the /ar$h from the )orro%er+ 6here
is an ijmaa<a amongst the scholars that states, 9if the len$er ,laces a con$ition for an
increase, an$ the )orro%er acce,ts, then this is ri)a+9 4hat )anks ,artici,ate in to$a' in
their len$ing ,ractices %ith interest is ,lain ri)a, %hether it is terme$ ,ersonal loans or
)usiness loans+
It is not ,ermissi)le for the len$er, )ank, in$i3i$ual or com,an' to recei3e a con$itional
increase on the loan un$er an' name+ If this increase is calle$ ,rofit, interest, 9a gift9,
lo$ging %ithin a house, trans,ortation in a car, etc+, this $oes not make it ,ermissi)le
)ecause this increase, gift or )enefit %as con$itional at the time of the loan+ 6he Pro,het,
s+a+% sai$, 9An' loan that lea$s to a )enefit is ri)a+9 6he Pro,het also sai$, 9If 'ou ten$
someone a /ar$h an$ he gi3es 'ou a gift or lets 'ou ri$e on his mount, $o not acce,t the
gift or ri$e on the mount unless this %as usuall' $one together )efore the /ar$h+9 (I)n
(ajah)
6here are man' other aha$eeth that hol$ the same meaning+ So it is not ,ermissi)le for the
len$er to take a gift or $eri3e an' other )enefits from the )orro%er if this is $one )ecause of
the /ar$h+ It is not ,ermissi)le )ecause the Pro,het ,rohi)ite$ this an$ )ecause the /ar$h
is a contract of kin$ness to%ar$s the one in nee$, as %ell as )eing an act of %orshi,+ If the
len$er ,laces the con$ition of an increase an$ inten$s to ha3e it or looks for%ar$ to
recei3ing it, then the /ar$h $efeats the ,ur,ose an$ is no longer an act of %orshi, $eri3e$
to get closer to Allah+ 6he /ar$h is a means to relie3e the )orro%er an$ fulfill his nee$s,
%hereas here the len$er e2,ects a ,rofit from the )orro%er+ In this case the loan is not
consi$ere$ a /ar$h+
(uslims must )e careful a)out this matter an$ )e sincere in their intentions %hen the' len$
monies or ,erform an' other righteous $ee$s+ 6he ,ur,ose of /ar$h is not material gro%th
)ut s,iritual gro%th+ It is the closeness to Allah through fulfilling the %ant of those in nee$
an$ in returning the ca,ital sum+ If this is the intention in len$ing a /ar$h, then Allah %ill
sen$ $o%n )lessings an$ ,ure gro%th in the monies+ It shoul$ )e kno%n that the increase
that is ,rohi)ite$ to )e taken is the con$itional increase+ 6his is similar to stating, SI %ill len$
'ou such an$ such %ith the con$ition that 'ou return the mone' to me %ith such an$ such
increase, or let me use 'our house or store, etc+ or gi3e me such an$ such gift+M 13en if
there is no sai$ con$itions, )ut the len$er inten$s to ask for an increase or looks for%ar$ to
it, then this increase is ,rohi)ite$+
Ho%e3er, if the )orro%er $esires to gi3e an increase on his o%n %ithout an' con$itions or
$esires from the len$er, then there is no harm in taking that increase )ecause that is
consi$ere$ a goo$ manner in re,a'ment+ 6he Pro,het s+a+% took as a loan a 'oung camel
an$ then ma$e the re,a'ment %ith a )etter one+ He sai$, S6he )est among 'ou is he %ho is
the )est in making ,a'ment+M (!ukhari) 6his is a no)le moral that is ,raise$ )' Islam an$ is
not consi$ere$ a loan that lea$s to )enefit, )ecause it %as not a con$ition esta)lishe$ )'
the len$er, it %as merel' a gift from the $e)tor+
If the )orro%er %oul$ $o something that is )eneficial to%ar$s the len$er )ut this is similar
to %hat he ma' ha3e $one )efore taking the loan an$ it %as not $one )ecause of the loan,
then there is no harm in acce,ting such fa3our+ 6he )orro%er must )e concerne$ %ith
,a'ing )ack the $e)t to the len$er %hene3er he can %ithout ,rocrastination or $ela'+ Allah
sai$, SIs there an' re%ar$ for goo$ other than goo$+M (55?6I)
Some ,eo,le are careless a)out the rights of others in general an$ a)out $e)ts in ,articular+
Such is consi$ere$ a nast' /ualit' that has ma$e man' ,eo,le refrain from gi3ing loans an$
assisting the nee$'+ 6his in turn forces the nee$' to go to )anks an$ in$ulge in %hat Allah
has ,rohi)ite$+ 6he nee$' cannot fin$ an'one to ,ro3i$e them %ith a goo$ loan an$ the
len$er cannot fin$ someone %ho ,a' him on goo$ terms+ As a result, the goo$ amongst
,eo,le has )een lost+
A Muslim/s In&ome an$ 6B-en$iture
4a's an$ means of income, earning one<s li3elihoo$ an$ s,en$ing such income shoul$
conform %ith the Shari<ah+ Ha$hrat I)n (as<oo$ (r+a) narrates that asulullah (s+a+%) sai$?
9>n the *a' of =i'aamah no one %ill )e a)le to mo3e (on the occasion of Hisaa) eckoning)
until a reckoning of fi3e things has not )een taken+++9 6irmi$hi
Among the <fi3e things< mentione$ in the a)o3e Ha$ith, t%o /uestions ,ertain to income an$
e2,en$iture+ >ne %ill )e aske$? 9Ho% $i$ 'ou earn 'our li3ing an$ ho% $i$ 'ou s,en$ 'our
incomeB9
1arnings an$ e2,enses are also matters controlle$ an$ regulate$ )' the *een+ In this
s,here too, there shoul$ )e no contra3entions of the Shari<ah+ Income must not )e $eri3e$
)' unla%ful means, e+g+ ri)a, $ealing in unla%ful items, usur,ing the rights of others,
cheating, $efrau$ing, %ithhol$ing the inheritance of an' one, etc+ (an' ,eo,le 3iolate the
Shar<ai la%s of inheritance an$ $e,ri3e the rightful heirs of their Islamic share of the
inheritance+ In this %a' the usur,ers a$$ to their income, %hat is haraam an$ %hat $oes
not )elong to them+
Among the %a's of earning %hich conflict %ith the *een, is to )ecome in3ol3e$ so
intensi3el' in3a$e an$ commerce that e3en Salaah is neglecte$, Aakhirah is forgotten,
Zakaah an$ Hajj are not $ischarge$ an$ no time remains for one to ac/uire the essential
teachings of the *een+ >ne shoul$ not )ecome so much in3ol3e$ that there remains no time
to sit in the com,an' of some saintl' ,erson, to learn from him the essentials of the *een+
Association %ith the ,ious - %ith the Auli'a - is an im,ortant re/uirement for the s,iritual
,rogress of a (uslim+ 6his facet of li3e shoul$, therefore, ne3er )e neglecte$+
Income shoul$ not )e e2,en$e$ in such %a's, a3enues an$ ,ractices %hich are con$emne$
)' *een+ 12tra3agance, s,en$ing in customs %hich ha3e no Shar<ai sanction, s,en$ing for
the sake of gaining name, s,en$ing in unnecessar' lu2uries - lu2uries %hich are far in
e2cess of one<s nee$s, etc+ are an e3il %a's %hich )ring a)out ruin in )oth mun$ane an$
s,iritual life+
6here is nothing %rong %ith earning an$ accumulating %ealth ,ro3i$e$ that one a)stains
from e2tra3agance, haraam an$ all %a's an$ means un-la%ful in Islam+ 4ealth can an$
shoul$ )e use$ constructi3el' for one<s o%n )enefit as %ell as for the )enefit of others an$
for ren$ering ser3ice to *een+ 6here are a 3ariet' of *eeni acti3ities %hich re/uire %ealth+
6herefore, a man of %ealth can o)tain great tha%aa) )' earning an$ em,lo'ing %ealth in
accor$ance %ith the Shari<ah+ Ai$ing the ,oor an$ nee$', contri)uting to *eeni ,rojects
such as (asji$, (a$rassahs, etc+ are %on$erful channels in %hich to em,lo' %ealth an$
there)' )uil$ u, one<s ca,ital in the Aakkirah+
Ha$hrat A)$ullah (r+a) narrates that asulullah (SA4) sai$? 96he seeking of a halal earning
is the (ne2t) &ar$h ($ut') after the &ar$h (Salat)+9 !aiha//i
Ha$hrat A)u Khimari (A) narrates a length' Ha$ith in %hich asulullah (SA4) sai$? 96he
%orl$ is for four (t',es) of ,ersons+ (>ne among the four) is a man %hom Allah grante$
%ealth as %ell as un$erstan$ing of the *een+ He fears his a)) an$ is kin$ (an$ ren$ers
ser3ice) to his relati3es+ An$, in regar$ to the %ealth he follo%s the comman$s of Allah an$
$ischarges rights+ 6he man is the no)lest+++ 6irmi$hi
Ha$hrat A)u Saee$ Khu$ri (A), narrating a length' Ha$ith, sai$ that asulullah (SA4)
sai$? 94ealth is an o)ject of ,leasure+ 4ealth ac/uire$ in a rightful %a' (in accor$ance %ith
the Shari<ah) an$ s,ent in a rightful %a' %ill )e an ai$ for its o%ner+9 - !ukhari, (uslim
Ha$hrat Amr I)nul Aa<s (A) narrates that asulullah (SA4) sai$? 94holesome (,ure)
%ealth for a no)le ,erson is goo$+9 - Ahma$
Accor$ing to Ha$hrat Suf'aan 6hauri (A), %ealth $uring the time of the Ashaa) %as not
,refera)le since their hearts %ere enno)le$ %ith strong Imaan+ Since the' ,ossesse$ a 3er'
strong Imaan there %as no nee$ for them to seek strength an$ confi$ence in %ealth+ In
3ie% of the e3ils normall' atten$ant to %ealth, the Asha) an$ the earl' (uslims refraine$
from its ac/uisition+ Ho%e3er no% (sa's Ha$hrat A)u Suf'aan 6hauri (A)) %ealth has
)ecome the shiel$ of a (o<min+ Since Imaan is no longer as strong as it %as $uring former
times, ,o3ert' creates %orr' an$ frustration in ,eo,le+ 6he result is $eterioration in the
%orl$l' an$ s,iritual con$itions of (uslims as the' no longer are a)le to stan$ u, to the
rigours of ,o3ert', the' com,romise their *een for %orl$l' comforts+
Ha$hrat Suf'aan 6hauri (A) also sai$ that if %e $i$ not ha3e %ealth, the %ealth' %orl$l'
,eo,le (those ,uffe$ u, %ith ,ri$e) %oul$ ha3e $es,ise$ us hel$ us in contem,t an$
tram,le$ o3er us in an' %a' the' %ishe$+ Ha.rat Suf'aan 6hauri (A) also sai$ that
%hoe3er is in ,ossession of %ealth shoul$ increase it an$ not s/uan$er it )ecause in this
age the first thing %hich %in suffer in the e3ent of ,o3ert' an$ %ant is one<s *een+ Since
,eo,le, on account of %eakness of Imaan, are no longer ca,a)le of en$uring the rigours of
,o3ert', the' com,romise their *een for %orl$l' comforts+
Ha.rat A)u Saee$ (A) narrates that asulullah (SA4) sai$? <An honest an$ u,right tra$er
%ill )e %ith the Am)i'a, Si$$i/een an$ Shuha$aa (on the *a' of =i'aamah)+9 6irmi$hi
6he great significance of la%ful tra$e is state$ in this Ha$ith+ 6he la%ful tra$er %ho is
honest an$ u,right %ill enjo' the association of the Am)i'a, Saints an$ (art'rs in the
Hereafter+
Ha.rat (i/$am !in (a<$i Karu)a (A) narrates that asulullah (SA4) sai$? 96he no)lest
foo$ ate )' one is that from his (la%ful) la)our+ Ha.rat *a%oo$ (Alaihis salam) ate from the
la)our of his han$s+9 !ukhari
Islam teaches the no)ilit' an$ $ignit' of %ork an$ la)our+ 6he Aha$ith e2,lain much
significance of la)our+ Ha.rat *a%oo$ ((A+S) earne$ his li3ing )' making armour+ Ho%e3er,
this significance a,,lies to onl' such occu,ations %hich are in accor$ance %ith the teachings
of Shari<ah+ Haraam forms of la)our an$ occu,ations, etc+ are haraam forms of earning+ 6he
,rocee$s from unla%ful occu,ations are like%ise unla%ful+
Ha$hrat A)u Hurairah (A) narrates that asulullah (SA4) sai$? 96here %as not a ;a)i %ho
%as not sent as a she,her$+9 6he Asha) aske$? 98ou also ten$e$ to shee,B9 asulullah
(SA4) re,lie$? 9I ten$e$ the goats of the ,eo,le of (akkah+++9 !ukhari
6his Ha$ith too asserts the significance of manual la)our++ Am)i'a (Alalihimus salam) %ere
she,her$s %ho %oul$ look after the shee, an$ goats of ,eo,le+ Ha$hrat (usa (AS)
remaine$ a she,her$, ten$ing the goats an$ shee, of Ha$hrat Shuai) (AS) for J or 7I
'ears+ Ahma$, I)n (aajah+
6he e,iso$e of Ha.rat (usa (AS) )eing a she,her$ is narrate$ in the Hol' =uran as %ell+
6his again )rings out the significance of manual la)our+ Ha.rat 6haa)it I)n *huHaak (A)
narrates that asulullah (SA4) ,ermitte$ hiring out of lan$+ Income $eri3e$ from lan$ an$
,ro,ert' hiring is also a la%ful occu,ation in Islam as this Ha$ith in$icates+
Among the no)le %a's of earning is farming+ (uch significance of farming has )een
mentione$ in Aha$ith+ Ha$hrat Anas (A) narrates that asulullah (SA4) sai$ that if an'
man, animal or )ir$ eats from an' tree or farm ,lante$ )' a (uslim, its o%ner o)tains the
tha%aa) of Sa$/ah there)'+
Ha$hrat I)n #mar (A) narrates that asulullah (SA4) sai$? 9Allah 6a<ala lo3es a (u<min
%ho engages himself in la%ful means of earning a li3ing+9 6i)rani, !aiha//i+
It is a ,erson<s o%n interests that he sa3e u, some mone' to %ar$ off %orr' an$
$es,on$enc'+ It is a fact that most ,eo,le are not a)le to un$ergo har$shi,+ 4hen in nee$
of mone', the' resort to ,ractices %hich are unla%ful an$ a$o,t haraam measures to o)tain
mone' in or$er to satisf' their nee$s+ It is therefore necessar' to a)stain from %aste an$ at
the same time sa3e u, mone'+ Accor$ing to a Ha$ith, e3en asulullah (SA4) %oul$ gi3e his
%i3es e2,enses at one time for the %hole 'ear+ asulullah (SA4) a$3ise$ the Asha) to
retain some %ealth as this is )etter for ,eace of min$+ 6his %as s,ecificall' state$ )'
asulullah (SA4) to Ha$hrat Ka<a) I)n (alik (A) %ho hea$ e2,resse$ his $esire to
contri)ute all his %ealth in the ,ath of Allah 6a<ala+
Ha.rat Suf'aan 6hauri (A) also sai$ that %hoe3er is in ,ossession of %ealth shoul$
increase it 0 not s/uan$er it )ecause in this age the first thing %hich %ill suffer in the e3ent
of ,o3ert' 0 %ant is one<s *een+
In one Ha$ith, Ha$hrat I)n (astoo$ narrates that asulullah (SA4) sai$? 9I $etest a man
%ho is useless+ He is neither engage$ in an' %orl$l' acti3it' not an' Aakhirah acti3it'+9
Ahma$, !aiha/i
In$olence an$ inacti3it' are $etesta)le attri)utes+ A man %ho is not engage$ in *eeni %ork
shoul$ in3ol3e himself in some la%ful %orl$l' acti3it' an$ earn his li3elihoo$+ He shoul$ not
remain i$le an$ %aste a%a' his life+ >n the other han$, those full' in3ol3e$ in *eeni
acti3ities, shoul$ re,ose their trust in Allah 6a<ala+ He is the Pro3i$er+ He %ill most certainl'
,ro3i$e for them+ 4orkers of the *ean shoul$ not in the least )e %orrie$ in regar$ to their
i./+
12tra3agance or %aste is e3il+ 6he Shari <ah ,rohi)its %aste+ Allah 6a<ala states in the Hol'
=uran? 9*o not %aste+ Leril', the %asters are the )rothers of shaitaan+9
Ha$hrat (ugheerah (A) narrates that asulullah (SA4) sai$? 9Allah 6a<ala $etests that 'ou
$estro' %ealth (i+e+ )' means of fasting)+9 !ukhari, (uslim
Ha$hrat Anas A)u #maamah, Ha$hrat I)n A))aas (A) an$ All (A) narrate that asulullah
(SA4) sai$? 94alk along the mi$$le ,ath+9
6his means the a$o,tion of mo$eration+ (o$eration in s,en$ing is the instruction of Islam+
S,en$ onl' %hen necessar'+ If ,eo,le are mo$erate in e2,en$iture an$ a)stain from
e2tra3agance, the' %ill ne3er )e $e,en$ent on others+ 6he' %ill not )e force$ to ask others,
there)' )ringing $isgrace u,on themsel3es+ >3ers,en$ing to )u$get one<s income lea$ to
$e)t %hich in turns )rings $isgrace, %orr' an$ frustration+ Peo,le are financiall' ruine$ an$
along %ith such %orl$l' ruin comes s,iritual ruin as %ell+
Among the %orst of calamities is $e)t, es,eciall' if one has no means of ,a'ing the $e)ts+
asulullah (SA4) has soun$e$ $ire %arnings in regar$ to un,ai$ $e)t+ 13en mart'r$om is
no a)solution for $e)t+ A Shin hee$ (mart'r) %ill )e forgi3en all hi sins, )ut $e)t+ *e)t %ill
)e $eman$e$ e3en in the Aakkirah+ In this regar$, asulullah (SA4) sai$? 9I take oath )'
6hat !eing in 4hose ,ossession is m' life that the man %ho is in $e)t %ill not enter Gannah,
e3en if he is mart're$ (in the Path of Allah)+ 6hen is resurrecte$ an$ again mart're$@ then
again is resurrecte$ an$ again mart're$+ He %ill not enter (Gan) until his $e)t is ,ai$+9
6arghee), ;im)i, 6i)rani, Hakim
Ho%e3er, there are e2ce,tions+ If the $e)t %as incurre$ on account of a real nee$ an$ one
has the intention of ,a'ing an$ at the same tone makes effort to ,a', then the %arning
state$ in the a)o3e Ha$ith %ill not a,,l' to such $e)t+ In such cases, e3en if the $e)t
remaine$ un,ai$ Allah 6a<ala %ill settle the rights of the cre$itors on )ehalf of the sincere
$e)tor %ho %as genuinel' una)le to ,a'+
So in sum, %ealth ac/uire$ la%full' an$ s,ent in accor$ance %ith the Shari< is a ni<mat
()ount') from Allah 6a <ala+ 4ealth )ecomes an e3il %hen it is ac/uire$ an$ e2,en$e$ in
contra3ention of the Shari<ah+ 4hen %ealth (like e3en %i3es an$ chil$ren) im,e$es one<s
s,iritual $e3elo,ment an$ interfere %ith one<s *eeni life then in$ee$ it %ill )e an e3il+ In
Sarah 6aghau)un, Allah 6a<ala $escri)es e3en one<s famil' as one<s enem'+ 6his a,,lies
%hen the famil' o)structs one in the Path of Allah 6a<ala+ 6he same reasoning %ill a,,l' to
%ealth+ 6he A'ah mentioning that famil' can )e one<s enem' also states that %ealth can )e
one<s enem'+ 6hus %hen one<s famil' an$ %ealth cause one to forget the Aakkirah the' %ill
)e one<s enemies+
An intelligent ,erson is one %ho 3alues e3er' moment in this life to earn as much as
,ossi)le for the Hereafter+ 13er'one $esires to ac/uire the material things of this %orl$
though %e agree that this %ill )e left )ehin$ one $a'+ 8et, %e are so hee$less of the
Aakhirah as though %e are going to remain on earth fore3erK (a' Allah ha3e merc' on usK
A (u<min shoul$ make use of the )ounties of Allah 6a<ala like an o)e$ient sla3e an$ not a
re)ellious traitor+
Al%a's fear Allah+ He kno%s %hat is in men<s hearts+
!e kin$ to the men un$er 'ou an$ treat them %ell+
*irections gi3en shoul$ )e )rief+ If too long, the' are likel' to )e forgotten+
Im,ro3e 'our con$uct first@ others %ill im,ro3e %hen the' see 'our e2am,le
Honor the re,resentati3es of the enem'+ Kee, 'our o%n arrangement a secret+
!e al%a's truthful so 'ou can get goo$ a$3ice+
At night %hen 'ou are free, sit among 'our men+ 6his %ill kee, 'ou in touch %ith them+
(ake goo$ arrangements for the %atch an$ %ar$ of the arm'+
Kee, a%a' from untruthful men+ !e intimate %ith truthful an$ faithful com,anions+
!e sincere to all %hom 'ou ha3e $ealings+ !e%are$ of co%ar$ice an$ $ishonest'+
8ou %ill come across ,eo,le %ho ha3e gi3en u, the %orl$ an$ are s,en$ing their $a's in
,lace of %orshi,+ :ea3e such ,eo,le alone+
Peo-le ho Ask " !e##in#
A)$ur ahman I)ne Auf (r+a) sa's that asulullah (s+a+%) sai$, 9I s%ear )' Allah, 4ho has
control on m' life, to three things?
O7P Sa$a/ah $oes not re$uce 'our %ealth, so gi3e much
OEP 4hen a ,erson )ecomes 3ictim of an outrage an$ he forgi3es the o,,ressor, Allah %ill
e2alt his honour on the *a' of Gu$gement@
OHP 4hen a ,erson takes to )egging, Allah 6aMala %ill o,en for him the gate to ,o3ert'9+
asulullah (s+a+%) has )een recor$e$ that one %ho goes from $oor to $oor, )egging for a
morsel or t%o of )rea$, is not reall' a ,oor ,erson+ It is the one %ho neither has sufficient
,ro3ision to meet his nee$s nor an'one kno%s a)out his circumstances to come to his hel,@
he is the onl' trul' ,oor+
I)ne #mar (r+a) has narrate$ the sa'ing of asulullah (s+a+%) to the effect that %hoe3er
un$ertakes to meet the nee$s of a )rother, Allah %ill look after his nee$s+ 4hosoe3er sa3es
a (uslim from calamit', Allah %ill ,rotect him from one of his calamities on the *a' of
Gu$gements+ 4hen someone ,ro3i$es a $ress to a (uslim to co3er his )o$' an$ ,re3ents a
$isclosure of his shortcomings, Allah %ill ,ro3i$e for him the same t',e of co3er on the *a'
of =i'amah+ ((ishkaat)
A)u Hurairah (r+a) aske$ asulullah (s+a+%), 94hat is the )est Sa$a/ahB9 6he re,l' %as,
96he har$ effort )' an in$igent ,erson@ a )egging must )e ma$e on those %ho are
$e,en$ent on 'ou+9
asulullah (s+a+%) then sai$, 9Some ,eo,le gi3e a%a' their entire )elongings an$ later start
)egging@ the )est Sa$a/ah is the one %hich $oes not lea3e its gi3er in a state of %ant+9
In fact the highest 3irtue lies onl' in gi3ing a%a' e3er'thing that is o3er an$ a)o3e oneMs
legitimate re/uirements@ nothing is to )e hoar$e$+ .ertain Ulama have sai$ that @A,vC
means 8+hat is &onvenient8D one shoul$ s-en$ as Sa$a(ah hat &an 5e s-are$
ith &onvenien&e an$ ease9 so that no har$shi- or $istress is &ause$ to onesel,
a,terar$s: Also that no $e-en$ant shoul$ 5e $e-rive$ o, his or her le#itimate
ri#hts )hi&h is a res-onsi5ility o, the s-en$er*9 $ue to hi&h the latter may #et
into trou5le on the Day o, Eu$#ement:
It is narrate$ that I5ne A55as )r:a* sai$9 8Some -eo-le use$ to #ive so mu&h
Sa$a(ah that nothin# oul$ 5e le,t ith themselves9 even ,or eatin#9 an$ they
oul$ 5e &om-elle$ to look ,or Sa$a(ah ,rom others: It as ,or this reason that
the a5ove Ayat as reveale$8:
A)u SaeMe$ Khu$ri (r+a) has sai$ that asulullah (s+a+%), seeing the 3er' ,oor con$ition of a
,erson just arri3e$ in the (asji$, aske$ the ,eo,le to gi3e him clothes as Sa$a/ah+
Plent' of these %ere contri)ute$ , asulullah (s+a+%) ga3e t%o garments out of these to the
,oor man+ :ater, once again asulullah (s+a+%) ,ersua$e$ ,eo,le to $onate as Sa$a/ah+
6hat ,oor man also ga3e one garment out of the t%o, %hereu,on asulullah (s+a+%) sho%e$
his $is,leasure an$ returne$ the ,iece to him+ (*urre (anthur)+
6he -lorious =urMan $oes in3ite us to gi3e in charit', in s,ite of our o%n re/uirements, )ut
this is for such ,eo,le %ho can $o it cheerfull', )ecause the im,ortance of SAkhirahM ,re3ails
o3er %orl$l' re/uirements in their min$s+
Ha.rat A)u Hurairah Or+aP sa's that ;a)i Os+a+%P has sai$, 9If a man )rings a loa$ of %oo$
on his )ack, sells it an$ eats from its ,ro$uce, it is far )etter than )egging for )rea$ an$
%hat a)out )egging almB Someone gi3es an$ some $oesn<t+9
Sa''i$ina Anas Or+aP re,orts that a certain ansari once came to asulullah Os+a+%P an$
)egge$ him for something+ asulullah Os+a+%P aske$ him, 9Is there reall' nothing in 'our
houseB9 He re,lie$+ 98es, sire there is a hessian )ag, one ,art of %hich I %ear an$ the other
,art I s,rea$ %hen I retire to slee,, an$ a cu, %hich I use for $rinking %ater+9 asulullah
Os+a+%P sai$@ 9!ring )oth to me+9 He )rought the articles+ asulullah Os+a+%P took them an$
e2claime$, 94ho %ill )u' these from meB9 A man re,lie$, 9I shall )u' them )oth for one
$irham9 asulullah Os+a+%P aske$ t%ice or thrice, 94ho %ill gi3e me moreB9 A man finall'
sai$? 9I shall )u' them )oth for t%o $irhams+9 6hereu,on asulullah Os+a+%P ga3e the goo$s
to him an$ ga3e the t%o $irhams to the ansari an$ sai$? 9!u' foo$ %ith the one $irham an$
fee$ 'our famil' an$ )u' %ith the other an a2e an$ )ring it to me+9 6he ansari )rought the
a2e+ asulullah Os+a+%P took it an$ %ith his o%n mu)arak han$s fitte$ the han$le to it, an$
sai$? 9-oK 5ut %oo$ an$ sell an$ let me not see 'ou for 75 $a's+9 6he man $i$ as he %as
tol$ an$ came (again) after 75 $a's %ith 7I $irhams, %ith some of it he )ought clothes an$
%ith the other he )ought foo$+
asulullah Os+a+%P sai$ to him? 96his is )etter for 'ou than that 'ou shall a,,ear on the $a'
of =i'aamat %ith a mark on 'our face to in$icate that 'ou %ere a )eggar+9 A)u *a%oo$, I)n
(aajah 6his Ha$ith esta)lishes that a la%ful occu,ation, no matter ho% menial an$ inferior,
is )etter than )egging+
If a ,erson has no source of income 0 he has to su,,ort himself 0 his $e,en$ants, then it is
&ar$h for him to earn an income+
Res-onsi5ility
In conclusion, one must un$erstan$ that )esi$es ,erforming Salaat regularl' himself, it is
incum)ent u,on e3er' ,erson to encourage his %ife, chil$ren, )rothers, sisters, neigh)ours,
relati3es an$ others to also ,erform their Salaat regularl'+
13er' #mmati is res,onsi)le for the %hole of mankin$+ He therefore has to make an effort
to the )est of his a)ilit' to esta)lish Salaat among the #mmah+ asulullah (3.a.w) too %as
comman$e$ )' Allah 6a<ala?
W5omman$ 'our famil' mem)ers to ,erform their Salaat an$ 'ou too )e ,unctual %ith it+Q
(Surah 6aha A'at 7HE) Similarl' another AMa'at comman$s?
W> 'ou %ho )elie3e, sa3e 'oursel3es an$ 'our famil' from the fire+Q (Surah 6ahreem A'at
6)
Hence e3er' ,erson must )ecome a%are of his res,onsi)ilit' an$ make an effort to fulfil it+
It is re,orte$ in a Ha$ith that asulullah (3.a.w) sai$? W1ach one of 'ou is a she,her$ an$
he %ill )e /uestione$ regar$ing his flock+Q (Sahih !ukhari Lol+E Pg+7I5F)+
ecite A: =uran, -o$ &earing 6rust Allah Alone
6hink of Akhirat, Seek I:(# Sho% Kin$ness to &amil'
(aintain !loo$ elations Sa3e ( Zakat )
S,en$ ( &amil' ) Sa$a/a ( elations ), Poor, 8atim, ;ee$'
Gemaah Salaat at (asji$ *ak%ah N 1njoin -oo$, &or)i$ 13il
Halal Income (ash%ara ( &uture 0 Planning )
;ecessities ? 4ater, &oo$, 5lothing, Home Seek ighteous Peo,le for A$3ice
ighteous &rien$s A3oi$ Sins
6ra3el %ith 5om,anion ;e3er join a !usiness
Daily .haast )+ork* From Ma#hri5 Money & Time Mana#ement
(aghri) Gemaah Salaat at (asji$+ Iktikaaf at
(asji$+ Is'a Gemaah Salaat+ H akaats 4itir
Salaat+
&amil' eunion?- Khi$mah (*inner), E
akaats Hajat Salaat, Seek Ilmu - A: =uran
0 A: Ha$ith, (ash%ara (Income "
12,en$iture Account 0 Planning)+ Slee,+
6ahajju$ Salaat %ith &amil' - E to 7E
akaats+ 6a%ajju$ 0 (ake *uas to Allah+
Seek Ilmu - A: =uran 0 A: Ha$ith "
!u$geting " Khi$mah (!reakfast)+ E akaats
Istiharaa Salaat+ &emale mem)ers to ,ra'
Su)uh Salaat 0 Zikir+
Su)uh Gemaah Salaat+ Al%a's Zikir 0 ecite
A: =uran+ (ake 1ffort to 1arn, 5haast(4ork)
from a !ase until 7E?EI,m+
est+ Zohor Gemaah Salaat+ est, 5haast 0
*ak%ah until Asar+ Asar Gemaah Salaat+ *o
>ne-6hir$ S'stem, s,lit income into H e/ual
,ortions ?-
O Sa$a/at (charit') " :oan Settlement P
O &amil' " !loo$ elations P
O !usiness #se P
Pre,are H !ags+ *o not count+ #se Sa3ings
for Zakat+
5om)ine E *a's into 7 *a'+
A,m - Eam OSlee,,6ahajju$P
Eam - Ham O6ime s,ent %ith s,ouseP
Cam - 77am O5haast,SalaatP
77am - E,m Oest,(ash%ara,SalaatP
E,m - A,m O5haast,*ak%ah,SalaatP
(ake ;iat (Intentions) Al%a's+ Pro3i$e
1arning >,,ortunities to ,eo,le %ho ask for
mone'+ :en$ mone' to elati3es+ Saum on
(on$a's 0 6hurs$a's+ &ri$a's (&amil'
Acti3it' *a')+ Plan Ahea$+ 6o con$uct the
affairs of collecti3e life %ithout consultation
some Zikir+ 5haast until (aghri)+ is ignorance 0 an e2,ress 3iolation of the la%
,rescri)e$ )' Allah+
Money Mana#ement F >ne Thir$ In&ome System
asulullah (s+a+%) has sai$ that once a ,erson in a jungle hear$ a 3oice from a clou$ a)o3e,
sa'ing, 9-o an$ su,,l' %ater to such an$ such ,ersonMs gar$en9+ 6hereu,on the clou$
mo3e$ in one $irection an$ raine$ on a ,iece of ston' lan$+ A channel collecte$ the %hole of
that %ater %hich )egan to flo% in a ,articular $irection+ He follo%e$ it an$ came to a ,lace
%here a man stoo$ %ith a sho3el in han$, $i3erting the %ater to his gar$en+
6he ,erson aske$ the man his name@ an$ %hen he tol$ him, it %as the 3er' name he ha$
hear$ from the clou$+ 6he ,erson then aske$ him %h' he ha$ aske$ his nameB 6he ,erson
re,lie$ that he ha$ hear$ a 3oice coming from the clou$ sa'ing, 9-o an$ su,,l' %ater to
such an$ such ,ersonMs gar$en9 an$ it %as the same name %hich he ha$ tol$ him+ 6he
,erson then aske$ the man, 94hat he $i$, for, the c
4hate3er ,ro$uce he got from the gar$en, he $i3i$e$ it into H e/ual ,arts@
O7P one thir$ of the ,ro$uce, he ga3e a%a' ,rom,tl' as Sa$a/ah,
OEP secon$ ,art he ke,t for himself an$ the famil'@
OHP remaining one thir$ he s,ent on the gar$en itself+
;ote? 4hat )lessings result from Sa$a/ah in AllahMs nameK 6he one thir$ of income s,ent
for that ,ur,ose makes the unseen *i3ine resources %ater the gar$en+ 6his is a clear
illustration of the su)ject matter of the ,re3ious Ha$ith, that %ealth $oes not $ecrease
through Sa$a/ah+ >ne thir$ of the income from the gar$en gi3en as Sa$a/ah raises the
,ro$uce of the %hole gar$en+ Another e2cellent lesson to )e learnt from the a)o3e Ha$ith is
that a ,erson shoul$ fi2 a certain ,ortion of his regular income to )e gi3en as Sa$a/ah+ 6his
%oul$ )e reall' useful+
As e2,erience sho%s, once a ,ortion for Sa$a/ah is ,ermanentl' settle$, one comes across
fre/uent occasions to s,en$ for goo$ causes@ %hereas, %ithout such a s'stem, one fails to
a,,reciate a %orth%hile occasion for gi3ing Sa$a/ah+ 4hen an' occasion arises, the
mischief of ;afs an$ Shaitan often mislea$s one into thinking that the ,articular occasion is
not %orth consi$eration for gi3ing Sa$a/ah+ &urthermore, if reall' a ,ressing $eman$ $oes
arise, one ma' ha3e no fun$s to gi3e, or the ,ersonal nee$s at the time might claim
,riorit', lea3ing little or nothing for Sa$a/ah+
6he ,ro,er course %oul$ $efinitel' )e to ,ut asi$e, at the )eginning of a month, a ,ortion of
the salar' for Sa$a/ah, or in the case of )usiness some fi2e$ amount from the $ail'
earnings )e ,ut a%a' in a s,ecial )o2 meant for Sa$a/ah+ In that %a', there %ill )e no
likelihoo$ of an' hin$rance in s,en$ing, for the cause of Allah 6aMala, from the rea$' mone'
s,ecificall' meant for Sa$a/ah+
6his is un$ou)te$l' a solution %orth tr'ing+ A)u Laail (r+a) has relate$ that he %as sent to
=urai.a )' A)$ullah I)ne (asMoo$ (r+a) %ith instructions to follo% the e2am,le of the
famous man of the !ani Israel+ 6o s,en$ as Sa$a/ah one thir$ of the re3enue, kee, one
thir$ there, an$ )ring the remaining one thir$ to him, 3i.+ A)$ullah I)ne (asMoo$+ It sho%s
that the Saha)ah(ra$iallahu anhum) also follo%e$ this s'stem+ Note 0 Use the Sa$a(a
5oB"5a# as means to mana#e your In&ome:
:esson? -lor' )e to AllahK Ho% merciful He is that the ,erson %ho o)e's Him has all his
%ork $one through unseen %a's %ithout him e3en kno%ing a)out it+ 4ithout $ou)t, the
,erson %ho )ecomes Allah<s, Allah )ecomes his+
O7P &irst Portion can )e use$ for
Travel
Ha$ith - !ukhari C+E5I, ;arrate$ I)n A))as ? 6hat he hear$ the Pro,het sa'ing, 9It is not
,ermissi)le for a man to )e alone %ith a %oman, an$ no la$' shoul$ tra3el e2ce,t %ith a
(uhram (i+e+ her hus)an$ or a ,erson %hom she cannot marr' in an' case fore3er@ e+g+ her
father, )rother, etc+)+9
Hadith - Bukhari 4.242, Narrated Ibn 'Umar?
6he Pro,het sai$, 9If the ,eo,le kne% %hat I kno% a)out tra3eling alone, then no)o$'
%oul$ tra3el alone at night+9
Hadith - Muwatta 54.37 and Bukhari 2.194, Narrated buHuraira? OAhma$, (uslim,
A)oo *aa%oo$, I)n (aajahP Sha'kh al-Al)aanee $eclares it authentic in Saheehul-GaamiM
(no+ F657)+
(alik relate$ to me from Sai$ i)n A)i Sai$ al-(a/)uri from A)u Hura'ra that the (essenger
of Allah sai$, 9It is not halal for a %oman %ho )elie3es in Allah an$ the :ast *a' to tra3el
the $istance of a $a' an$ night %ithout a man %ho is her mahram+Q
Hadith - Mu!"im #4725
>n the authorit' of A)u Huraira that the Pro,het sai$? 6ra3elling is a tortuous e2,erience+ It
$e,ri3es a ,erson of his slee,, his foo$ an$ $rink+ 4hen one of 'ou has accom,lishe$ his
,ur,ose, he shoul$ hasten his return to his famil'+
Hadith - Bukhari $%1$2, Narrated na! bin Ma"ik
Allah<s A,ostle %as on a journe' an$ he ha$ a )lack sla3e Oser3antP calle$ Anjasha, an$ he
%as $ri3ing the camels (3er' fast, an$ there %ere %omen ri$ing on those camels)+ Allah<s
A,ostle sai$, 94aihaka ((a' Allah )e merciful to 'ou), > AnjashaK *ri3e slo%l' (the camels)
%ith the glass 3essels (%omen)K9
Hadith - Bukhari $%23&, Narrated na! bin Ma"ik
6he Pro,het ha$ a Ha$ (a camel $ri3er) calle$ Anjasha an$ he ha$ a nice 3oice+ 6he Pro,het
sai$ to him, 9(*ri3e) slo%l', > AnjashaK *o not )reak the glass 3esselsK9 An$ =ata$a sai$,
9(!' <3essels<) he meant the %eak %omen+9
Hadith - Mu!"im, Narrated bu Huraira
Allah<s (essenger sai$? Angels $o not accom,an' the tra3ellers %ho ha3e %ith them a $og
an$ a )ell+
S-en$ in Mo$eration ,or Family
86B&e-t these 7 thin#s every thin# else is orthless:
GHI Foo$ - only to sustain li,e GJI+ater - only to (uen&h thirst GKI .lothin# - only
to &over the 5o$y GLI 4ouse - only to resi$e G7I 3nole$#e - only ,or $ee$s:8
913er'thing of the %orl$ )ecomes o)e$ient to him %ho is o)e$ient to the Almight' Allah+9
AL F Quran )<ui$an&e* & Sunnah o, 4oly Pro-het )s:a:*
A ,erson %ho forgets the =uran after learning it is $ue to committing sins+ 1njoin the goo$,
for)i$ the e3il+
9Alif :aam aa+ A )ook %hich %e ha3e re3eale$ to 'ou ((uhamma$) so that 'ou ma' lea$
the ,eo,le from out of the $arknesses into the light )' their :or$<s lea3e to the ,ath of the
All-(ight', the Praise%orth'+9 O7C?7P
6he =uran (9=or-Ann9) is a (essage from Allah to humanit'+ It %as transmitte$ to us in a
chain starting from the Almight' Himself (s%t) to the angel -a)riel to Pro,het (uhamma$
(s+a+%)+ 6his message %as gi3en to the Pro,het (sa%) in ,ieces o3er a ,erio$ s,anning
a,,ro2imatel' EH 'ears (67I 51 to 6EE 51)+ 6he Pro,het (sa%) %as CI 'ears ol$ %hen the
=uran )egan to )e re3eale$ to him, an$ he %as 6H %hen the re3elation %as com,lete$+ 6he
language of the original message %as Ara)ic+
6he =uran is one leg of t%o %hich form the )asis of Islam+ 6he secon$ leg is the Sunnah of
the Pro,het (sa%)+ 4hat makes the =uran $ifferent from the Sunnah is ,rimaril' its form+
#nlike the Sunnah, the =uran is /uite literall' the 4or$ of Allah, %hereas the Sunnah %as
ins,ire$ )' Allah )ut the %or$ing an$ actions are the Pro,het<s+ 6he =uran has not )een
e2,resse$ using an' human<s %or$s+ Its %or$ing is letter for letter fi2e$ )' no one )ut
Allah+
Pro,het (uhamma$ (sa%) %as the final (essenger of Allah to humanit', an$ therefore the
=uran is the last (essage %hich Allah has sent to us+ Its ,re$ecessors such as the 6orah,
Psalms, an$ -os,els ha3e all )een su,erce$e$+ It is an o)ligation - an$ )lessing - for all
%ho hear of the =uran an$ Islam to in3estigate it an$ e3aluate it for themsel3es+ Allah has
guarantee$ that He %ill ,rotect the =uran from human tam,ering, an$ to$a'<s rea$ers can
fin$ e2act co,ies of it all o3er the %orl$+ 6he =uran of to$a' is the same as the =uran
re3eale$ to (uhamma$ (sa%)+
Sunnah has come to $enote the %a' Pro,het (uhamma$ (sa%) li3e$ his life+ >ne cannot
,ractice Islam %ithout consulting )oth of them+ 6he Ara)ic %or$ ha$ith (,l+ aha$ith) is 3er'
similar to Sunnah, )ut not i$entical+ A ha$ith is a narration a)out the life of the Pro,het
(sa%) or %hat he a,,ro3e$ - as o,,ose$ to his life itself, %hich is the Sunnah as alrea$'
mentione$+
Accor$ing to (uha$$ithiin Oscholars of ha$ith -e$+P it stan$s for <%hat %as transmitte$
on the authorit' of the Pro,het, his $ee$s, sa'ings, tacit a,,ro3al, or $escri,tion of his
sifaat (features) meaning his ,h'sical a,,earance+ Ho%e3er, ,h'sical a,,earance of the
Pro,het is not inclu$e$ in the $efinition use$ )' the jurists+<
6hus ha$ith means the literature %hich consists of narrations of the life of the Pro,het
an$ the things a,,ro3e$ )' him+ Ho%e3er, the term %as use$ sometimes in much
)roa$er sense to co3er the narrations a)out the 5om,anions Oof the Pro,het (s+a+%)P
an$ Successors Oto the 5om,anions (ra$iallahu anhumP as %ell+
6he e2,losion of Islam in the Fth an$ Jth centuries confronte$ Islamic scholars %ith a
$aunting task? to ,reser3e the kno%le$ge of the Sunnah of the Pro,het (sa%)+ Hence the
science of ha$ith e3aluation %as )orn+
+e have9 +ithout $ou5t9 sent $on the messa#e0 an$ e ill assure$ly #uar$ it
),rom &orru-tion*: )Quran H70M*
ILMU - 3nole$#e
9*estruction for the one %ho has no kno%le$ge+9 Ha.rat Hu$ha'fah (+A)+
<Seeking kno%le$ge is an o)ligation for e3er' (uslim man an$ %oman<+
6he Pro,het sai$, 96he e2am,le of gui$ance an$ kno%le$ge %ith %hich Allah has sent me is
like a)un$ant rain falling on the earth, some of %hich %as fertile soil that a)sor)e$ rain
%ater an$ )rought forth 3egetation an$ grass in a)un$ance+ (An$) another ,ortion of it %as
har$ an$ hel$ the rain %ater an$ Allah )enefite$ the ,eo,le %ith it an$ the' utili.e$ it for
$rinking, making their animals $rink from it an$ for irrigation of the lan$ for culti3ation+
(An$) a ,ortion of it %as )arren %hich coul$ neither hol$ the %ater nor )ring forth
3egetation (then that lan$ ga3e no )enefits)+ 6he first is the e2am,le of the ,erson %ho
com,rehen$s Allah<s religion an$ gets )enefit (from the kno%le$ge) %hich Allah has
re3eale$ through me (the Pro,hets an$ learns an$ then teaches others+ 6he last e2am,le is
that of a ,erson %ho $oes not care for it an$ $oes not take Allah<s gui$ance re3eale$
through me (He is like that )arren lan$+)9
;arrate$ Anas? Allah<s A,ostle sai$, 9&rom among the ,ortents of the Hour are (the
follo%ing)?
7+ eligious kno%le$ge %ill )e taken a%a' ()' the $eath of eligious learne$ men)+
E+ (eligious) ignorance %ill ,re3ail+
H+ *rinking of Alcoholic $rinks (%ill )e 3er' common)+
C+ 6here %ill )e ,re3alence of o,en illegal se2ual intercourse+
;arrate$ I)n <#mar? Allah<s A,ostle sai$, 94hile I %as slee,ing, I sa% that a cu, full of milk
%as )rought to me an$ I $rank m' fill till I notice$ (the milk) its %etness coming out of m'
nails+ 6hen I ga3e the remaining milk to <#mar I)n Al-Khatta)9 6he com,anions of the
Pro,het aske$, 94hat ha3e 'ou inter,rete$ (a)out this $ream)B 9> Allah<s A,ostle ,K9 he
re,lie$, 9(It is religious) kno%le$ge+9 5irculate kno%le$ge an$ teach the ignorant, for
kno%le$ge $oes not 3anish e2ce,t %hen it is ke,t secretl' (to oneself)+9
;arrate$ <A)$ullah )in <Amr )in Al< As? I hear$ Allah<s A,ostle sa'ing, 9Allah $oes not take
a%a' the kno%le$ge, )' taking it a%a' from (the hearts of) the ,eo,le+ !ut takes it a%a' )'
the $eath of the religious learne$ men till %hen none of the (religious learne$ men)
remains, ,eo,le %ill take as their lea$ers ignorant ,ersons %ho %hen consulte$ %ill gi3e
their 3er$ict %ithout kno%le$ge+ So the' %ill go astra' an$ %ill lea$ the ,eo,le astra'+9
;arrate$ A)u Huraira? I ha3e memori.e$ t%o kin$s of kno%le$ge from Allah<s A,ostle + I
ha3e ,ro,agate$ one of them to 'ou an$ if I ,ro,agate$ the secon$, then m' ,har'n2
(throat) %oul$ )e cut (i+e+ kille$)+
;arrate$ <A)$ullah? 4hile I %as going %ith the Pro,het through the ruins of (e$ina an$ he
%as reclining on a $ate-,alm leaf stalk, some Ge%s ,asse$ )'+ Some of them sai$ to the
others? Ask him (the Pro,het) a)out the s,irit+ Some of them sai$ that the' shoul$ not ask
him that /uestion as he might gi3e a re,l' %hich %oul$ $is,lease them+ !ut some of them
insiste$ on asking, an$ so one of them stoo$ u, an$ aske$, 9> A)a-l-=asim K 4hat is the
s,iritB9 6he Pro,het remaine$ /uiet+ I thought he %as )eing ins,ire$ *i3inel'+ So I sta'e$
till that state of the Pro,het (%hile )eing ins,ire$) %as o3er+ 6he Pro,het then sai$, 9An$
the' ask 'ou (> (uhamma$) concerning the s,irit --Sa'? 6he s,irit -- its kno%le$ge is %ith
m' :or$+ An$ of kno%le$ge 'ou (mankin$) ha3e )een gi3en onl' a little)+9 (7F+J5)
6i#ht Thin#s to Learn
First, I looke$ to the creation+ 13er'one has a lo3e$ one+ 4hen he goes to the gra3e, he
lea3es his lo3e$ one+ 6herefore, I ma$e m' lo3e$ one m' goo$ $ee$s@ that %a', the' %ill
)e %ith me in the gra3e+
Se&on$, I looke$ to the 3erse, <!ut as for him %ho feare$ to stan$ )efore his :or$ an$
restraine$ his soul from lust,< an$, therefore, I struggle$ against m' $esires so I coul$ sta'
o)e'ing Allah+
Thir$, I sa% that if an'one has something %ith him that is %orth something, he %ill ,rotect
it+ 6hen I thought a)out the 3erse, <6hat %hich 'ou ha3e is %aste$ a%a'@ an$ that %hich is
%ith Allah remains,< therefore, e3er'thing %orth something %ith me I $e3ote$ to Him so it
%oul$ )e %ith Him for me+
Fourth, I sa% the ,eo,le seeking %ealth, honor an$ ,ositions an$ it %as not %orth an'thing
to me+ 6hen I thought a)out Allah<s %or$s, <:o, the no)lest of 'ou in the sight of Allah is the
most a%are of Allah,< so I $i$ m' )est to )ecome a%are of Allah in or$er to attain no)ilit' in
his sight+
Fi,th, I sa% the ,eo,le )eing jealous to%ar$s each other an$ I looke$ at the 3erse, <4e
ha3e a,,ortione$ among them their li3elihoo$ in the life of the %orl$,< so I left jealous'+
SiBth, I sa% the ,eo,le ha3ing enmit' an$ I thought a)out the 3erse, <:o, the $e3il is an
enem' for 'ou, so take him as an enem',< so I left enmit' an$ I took the Satan as m' onl'
enem'+
Seventh, I sa% them $e)asing themsel3es in search of sustenance an$ I thought a)out the
3erse, <An$ there is not a )east in the earth )ut the sustenance thereof $e,en$s on Allah,<
so I ke,t m'self )us' %ith m' res,onsi)ilities to%ar$ Him an$ I left m' ,ro,ert' %ith Him+
6i#hth, I foun$ them rel'ing on their )usiness, )uil$ings an$ health an$ I thought a)out
the 3erse, <An$ %hosoe3er ,uts his trust in Allah, He %ill suffice him,< therefore, I ,ut m'
trust onl' on Allah+
Taakkul
Allah sa's, 9An$ %hosoe3er fears Allah an$ kee,s his $ut' to Him, He %ill make a %a' for
him to get out from e3er' $ifficult'+ An$ He %ill ,ro3i$e for him from sources he ne3er coul$
imagine+ An$ %hosoe3er ,uts his trust in Allah, then He %ill suffice him+9 O65?E-HP
9Leril' Allah $oes not change the con$ition of ,eo,le unless the' change %hat is in their
hearts+9 O7H?77P
9>)e' Allah, an$ o)e' the (essenger+ !ut if 'ou turn a%a', he is onl' res,onsi)le for the
$ut' ,lace$ on him an$ 'ou for that ,lace$ on 'ou+ If 'ou o)e' him, 'ou shall )e on right
gui$ance+ 6he (essenger<s $ut' is onl' to ,reach the clear ((essage)9OEC?5CP
Allah 6a<ala sa's? 9in Allah shoul$ the faithful (13er) ,ut their trust+9
asulullah (s+a+%) sai$? 94hen 'ou ask, ask of Allah an$ %hen 'ou seek ai$, seek from
Allah+9
TA+A33UL is re,osing im,licit trust of the heart in onl' the 5reator, Allah+ Taakkul is
e2,resse$ )' the term taukeel (to make or a,,oint a %akeel or a counselor, agent,
re,resentati3e)+ 4hen one lacks the un$erstan$ing an$ a)ilit' for something then another is
a,,ointe$ to e2ecute the task+ Such a,,ointment of an agent to act on one<s )ehalf is the
meaning of taukeel+ Taakkul then is to act in accor$ance %ith Allah/s Scheme i+e+ to
a$o,t the ,rinci,les an$ la%s of the Shari/at, an$ to resign one<s self unto Him+ In e3er'
act or task, the means re/uire$ for the task %ill )e em,lo'e$ %ithin the confines of the
Shari/at an$ one<s trust %ill )e ,lace$ in Allah Ta/ala+
Three FUNDAM6NTALS )AR3AAN* >F TA+A33UL
GHI MA/RIFAT0 6his consists of Tauhee$ of Allah Ta/ala %hich means? !esi$es Allah
there is no o)ject of %orshi,@ He is Incom,ara)le@ He has no ,artner@ All so3ereignt'
)elongs to 4im @ All ,raise an$ glor' )elongs to 4im@ He has ,o%er o3er all things+ 6his
conce,tion of Tauhee$ ackno%le$ges that Allah Ta/ala ,ossesses such ,erfect ,o%er an$
%is$om %hich make Him %orth' of all ,raise an$ glor',+ Sincere an$ honest )elief in this
conce,tion of Tauhee$ groun$s true Imaan in the heart+ 6he effect of Imaan groun$ing
itself in the heart is Taakkul+ 6he con$ition essential for achie3ing this taakkul is
sincere ackno%le$gment of Tauhee$+ 6he meaning of sincere ackno%le$gment is that this
Tauhee$ ,er3a$es the heart so much that there remains no room in one<s heart to
entertain an' other conce,t+
GJI 4AALAT: 6he 4al of Taakkul is to resign oneself to Allah Ta/ala+ Assign all affairs
to 4im an$ maintain the heart in the state of ,eace an$ tran/uillit'+ It en3isages $i3ersion
from all an$ e3er'thing other than Allah TaCala+ #,on Allah Ta/ala )eing ma$e the
+akeel one resigns in full confi$ence+ Allah TaCala, the +akeel is full of 4is$om an$ is
the !enefactor an$ Protector of the one %ho has re,ose$ taakkul in him+ 6here is
therefore co no nee$ for the heart to toss in $ou)t an$ uncertaint'+ He %ill not allo% 'our
enem' to 3an/uish 'ou+ In this %a' %hen one full' reali.es that ri'(uN (sustenance), maut
($eath), hayaat (life) an$ all affairs of creation are %ithin the $irect ,o%er an$ control of
Allah Ta/ala, then there is a)solutel' no cause for the heart to la)our in uncertaint' an$
suffer an' lack of confi$ence+
GKI AMAL0 6he ignorant la)our un$er the misconce,tion that Taakkul entails a)stention
from effort, the means an$ material agencies+ 6his i$ea of taakkul is highl' erroneous+
Taakkul $oes not a$3ocate shunning or a)staining from the material agencies %hich
Allah Ta/ala has create$ an$ ma$e su)ser3ient to man+ Shunning the legitimate use of the
material means an$ agencies for legitimate ,ur,oses an$ nee$s is not la%ful accor$ing to
the Shari/at+
A.QUIRIN< TA+A33UL is )' contem,lating the )ounties of Allah Ta/ala, 4is Promises
an$ one<s ,ast success+
QANAACAT (contentment ) means in this regar$ a)stention from $esires+ 5ontem,lating
a)out the transitor' an$ ,erisha)le nature of the %orl$ inculcate QanaaCat+
4ILM (,erse3erance) means to hol$ in check the na,s in the face of e3ents %hich are
$istasteful to one+ 6his /ualit' of 4ilm is ac/uire$ )' the era$ication of anger+ >ne has to
contem,late constantl' a)out the reme$ies for anger+
Remem5ran&e o, Allah )=ikr*
:ife-,attern consists in kee,ing oneMs tongue moist %ith Zikr, Heart fille$ %ith gratitu$e to
Allah an$ a Pious 4ife+ Protect the tongue 0 ,ri3ate ,arts+
An$ %ho is more unjust than he %ho for)i$s that in ,laces for the %orshi, of Allah, Allah<s
name shoul$ )e cele)rate$B-%hose .eal is (in fact) to ruin themB It %as not fitting that such
shoul$ themsel3es enter them e2ce,t in fear+ &or them there is nothing )ut $isgrace in this
%orl$, an$ in the %orl$ to come, an e2cee$ing torment+ OE?77CP
6hen $o 'e remem)er (e@ I %ill remem)er 'ou+ !e grateful to (e, an$ reject not &aith+
OE?75EP
An$ those %ho, ha3ing $one something to )e ashame$ of, or %ronge$ their o%n souls,
earnestl' )ring Allah to min$, an$ ask for forgi3eness for their sins,- an$ %ho can forgi3e
sins e2ce,t Allah+- an$ are ne3er o)stinate in ,ersisting kno%ingl' in (the %rong) the' ha3e
$one+ OH?7H5P
Ha$hrat A)u Hurairah (+A) narrate$ that asulullah (s+a+%) has sai$, 9Almight' Allah sa's,
I treat m' sla3e (man) accor$ing to his e2,ectations from (e, an$ I am %ith him %hen he
remem)ers (e+ If he remem)ers (e in his heart, I remem)er him in (' heart@ if he
remem)ers (e in a gathering, I remem)er him in a )etter an$ no)ler gathering (i+e+ of
angels)+ If he comes closer to (e )' one s,an, I go to%ar$s him a cu)it<s length, if he
comes to%ar$s (e )' a cu)it<s length, I go to%ar$s him an arm<s length, an$ if he %alks
to%ar$s (e, I run unto him+9
6he su,eriorit' of the remem)rance of Allah %as e2,laine$ )' the Pro,het (uhamma$
(s+a+%), %ho sai$, 96he e2am,le of the one %ho remem)ers his :or$, in com,arison to the
one %ho $oes not remem)er his :or$, is that of a li3ing creature com,are$ to a $ea$ one+
(!ukhari)
Tau5a
6o return from sin to the o)e$ience of Allah 6a<aala+ Allah sa's, 9S#1:8 A::AH :>L1S
6H>S1 4H> 1P1;69 (E?EEE)
In e2,laining the magnitu$e of Allah<s lo3e for a re,enter, ;a)ie (s+a+%) sai$, 9Allah is
ha,,ier %ith the re,entance of a re,enter more than a thirst' ,erson fin$ing %ater, a
)arren father at the )irth of his chil$, an$ a stra' ,erson fin$ing his %a'+ 4hoe3er re,ents
sincerel', Allah %ill cause his recor$ing angels, his lim)s an$ the earth (on %hich the sins
%ere committe$) to forget his sins+9 (Gami us sagheer)
In one a'ah Allah sa's? 9A;* LI1 4I6H >;1 A;>6H1 &> &>-IL1;1SS &>( 8>#
A!! A;* &> GA;;AH 4HI5H IS AS 4I*1 AS 6H1 H1AL1;S A;* 6H1 1A6H+9 (H?7HH)
In this a'ah %e are e2horte$ to com,ete %ith one another to seek forgi3eness from Allah
6a<aala+
6he #lama ha3e state$ that certain Saha)ah en3ie$ the !ani Isra<eel that %hene3er a
,erson committe$ a sin, he foun$ it %ritten on his $oor along %ith its atonement, also
in$icating the %a' it %as to )e carrie$ out e+g+ )' cutting off the nose or ear, etc+ 6he
Saha)a en3ie$ them for the fact that the forgi3eness of the sin (after the atonement) %as
certain, as the' 3ie%e$ the gra3it' of an' sin so serious that ,unishment for it in this %orl$
%as consi$ere$ not onl' light )ut en3ia)le, com,are$ to the ,unishment in the Akhirah+
4hen an' of the Saha)ah out of human %eakness committe$ a sin, he %oul$ )e
o3er%helme$ )' fear of its ,unishment+ ;ot onl' the men, e3en the %omen felt the same
%a'+ >nce a %oman committe$ a$ulter' an$ ,resente$ herself )efore ;a)ie (s+a+%)+ She
confesse$ her sin an$ aske$ for its atonement, %hich %as $eath )' stoning@ an$ that
,unishment %as ultimatel' carrie$ out+ 6his %as )ecause the fear of future retri)ution for
the sin committe$ %as far greater than the fear of $eath+
Allah 6a<aala, )' His -race an$ !ene3olence, re3eale$ the a)o3e a'ah+ Ha.rat Sa<ee$ I)ne
Gu)air (rah) in e2,laining this A'ah sai$, 9>ne must hasten, %ith ones goo$ $ee$s, to%ar$s
the forgi3eness of Allah 6a<aala an$ for Gannah+ 6he e2,anse of %hich is e/ual to the se3en
hea3ens joine$ together like a single sheet of cloth stitche$ out of se3eral ,ieces an$ the
se3en earths also similarl' joine$ %ith them+9
Ha.rat I)ne A))as (r+a) has also )een /uote$ to sa' that the se3en hea3ens an$ se3en
earths joine$ together as one, make u, the %i$th of Gannah+ Its length is onl' kno%n to
Allah 6a<aala+
In another a'ah Allah 6a<aala Sa's? 9A::AH A551P6S 6H1 1P1;6A;51 >& 6H>S1 4H> *>
1LI: I; I-;>A;51 A;* 1P1;6 S>>; A&614A*S, 6> 6H1( 4I:: A::AH 6#; I;
(158@ &> A::AH IS &#:: >& K;>4:1*-1 A;* 4IS*>(+9 (C?7F)
Note? 7+ 6he Saha)a (ra$iallahu anhum) %ere unanimous that all sins are committe$ out of
ignorance )ecause at the time of em)arking on a sin one is ignorant of its conse/uences in
the Hereafter+ Ha.rat (ujahi$ (rah) sai$, 9A ,erson is regar$e$ as ignorant %hen em)arking
on an' action %hich is contrar' to the comman$ments of Allah+9 (I)ne katheer)
E+ In the a'ah, Allah 6a<aala ma$e I((1*IA61 tau)a the ,rere/uisite of acce,tance+
Ha.rat A)$ullah I)ne #mar (r+a) relates that ;a)ie (s+a+%) sai$, 9If a ,erson makes
tau)a e3en secon$s )efore his $eath, Allah ta<aala %ill acce,t it on con$ition it is $one
%ith sincerit'+9 (I)ne Katheer)
Since the hour of $eath is not kno%n, a true )elie3er shoul$ hasten to%ar$s re,entance+
Ha$hrat A)$ullah i)n (as<oo$ Or+aP sai$, 96he sign of a true )elie3er is %hen he commits a
sin he )ecomes so restless he feels as though a mountain is sus,en$e$ a)o3e his hea$ an$
he has the fear of it falling on him, i+e+ he trem)les out of the fear of Allah 6a<ala+ An$ %hen
a transgressor commits a sin, he feels as though a fl' is on his nose, i+e+ )ecause he has no
fear of Allah 6a<ala, he treats sins 3er' lightl'+9
A Ha$ith sa's, <4hen t%o thir$s of the night ha$ ,asse$, asulullah Os+a+%P %oul$ sa', <>
,eo,le, remem)er AllahK emem)er AllahK 6he /uake of $ooms$a' %ill occur soon+ 6he time
for )lo%ing the trum,et is $ra%ing nearK An$ e3er')o$'<s hour of $eath along %ith its ,angs
an$ throes has come+< ((ishkaat)
A)ul Haami$ :afaf OrahimahullahP sai$?
<Allah )esto%s three fa3ours on a ,erson %ho fre/uentl' remem)ers $eath@
He rea$il' turns to Allah in re,entance+ He is grante$ contentment+ He sho%s greater
enthusiasm in all mo$es of I)aa$ah+
An$ he %ho is hee$less of $eath is ,unishe$ )' Allah 6a<ala in three %a's@
He ,ersists in sin an$ is reluctant to offer ta%)ah, He is not content %ith his income+ He is
a,athetic in his $e3otions+ (6an)ihul -haafileen)
In another aa'at, Allah 6a<ala sa's? <Sa' (> ;a)i), > m' ser3ants %ho ha3e transgresse$
against their soulsK *o not $es,air of the merc' of Allah, for Allah forgi3es all sins+ He is oft
forgi3ing, most merciful+< (Zumar 5H)
Ha$hrat 6ha%)aan Or+aP relates that he hear$ asulullah Os+a+%P sa'ing, <I $o not lo3e
o%ning an'thing in the %orl$ more than this a'at+<
Ha$hrat i)n (as<oo$ Or+aP sai$, <6his is the most $elightful a'at of the =ur<aan+<
Ha$hrat A)$ullah i)n #mar Or+aP sai$, <6his is the most ins,iring a'at for the sinners+<
Ha$hrat Ali Or+aP use$ to recite the follo%ing cou,let, <> Sinner, $o not $es,air for Allah is
most kin$+ *o not $e,art from this %orl$ %ithout ,ro3isions (re,entance), for the ,ath to
the hereafter is most $angerous+<
Allah 6a<aala sa's, 9(8 (158 1X61;*S 6> A:: 6HI;-S+9 (F?756)
In another a'ah Allah 6a<aala sa's, 98># A!! HAS I;S5I!1* &> HI(S1:& (158@ I&
A;8 >& 8># *I* 1LI: I; I-;>A;51,A;* 6H11A&61 1P1;61*,A;* A(1;*1* HIS
5>;*#56 6H1; H1 IS >&6 &>-ILI;- (>S6 (15I&#:+ 9 (6?7J6)
asulullah (s+a+%) sai$, 94hen Allah create$ the creation, He inscri)e$ a)o3e His Arsh
(throne), Leril' (' (erc' sur,asse$ (' %rath+9 (!ukharie, (uslim)
In a Ha$ith-e-=u$si asulullah (S+a+%) sai$, <Allah 6a<aala sa's, 9> son of A$amK I %ill
forgi3e 'ou as long as 'ou im,lore me an$ ha3e ho,e in me ins,ite of %hat 'ou ha3e $one,
an$ I $on<t care ho% great a sin 'ou ha3e committe$+ > son of A$amK If 'our sins reach the
clou$s an$ 'ou seek forgi3eness from me, I %oul$ forgi3e 'ou an$ I $on<t care+ > son of
A$amK If 'ou %ere to meet (e %ith the earth full of sins, I %oul$ certainl' come to 'ou %ith
an earth full of forgi3eness on con$ition 'ou $o not ascri)e ,artners to me+9< ((ishkaat)
5ertainl' Allah 6a<aala is (ost (erciful an$ >ft &orgi3ing, )ut it %ill )e foolish for one to
follo% his sensual $esires %ithout )othering a)out %hat is Halaal an$ Haraam there)'
flagrantl' 3iolating the la%s of Allah 6a<aala an$ 'et entertaining high ho,es that Allah
6a<aala %ill forgi3e his sins+ 6his is nothing )ut )eguilement+
;a)ie (s+a+%) sai$, 9A %ise ,erson is he %ho controls his lo%l' $esires an$ ,erform $ee$s
%hich are of 3alue after $eath, an$ a fool is he %ho follo%s his )aser $esires an$ ,laces
false ho,es in Allah 6a<aala+9 ((ishkaat)
Allah 6a<aala sa's, 9:16 ;>6 6H1 :I&1 >& 6HIS 4>:* !1-#I:1 8>#, ;> :16 6H1
*151IL1 (SHAI6AA;) !1-#I:1 8># 4I6H 1-A* 6> A::AH++9 (H7?HH)
5ommenting on this a'ah, Sa<ee$ )in Gu)air (rah) sa's, 9Shaitaan )eguiles a ,erson, %ith
regar$ to Allah, )' se$ucing him to ,ersist in sins an$ gi3ing him false ho,e of Allah<s
forgi3eness+9
In another a'ah Allah 6a<aala sa's, 98># 61(P61* 8>#S1:& I;6> 1>,A;*
H1SI6A61*, A;* *>#!61*, A;* LAI; *1SI1S !1-#I:1* 8>#+9 O5F?7CP
A)u Suf'an Or+aP commente$ on this a'ah thus, 98ou %ere le$ astra' o%ing to 'our
,ersistence in sins an$ 'ou %ere )eguile$ )' false ho,es, for 'ou use$ to sa', 9Allah %ill
forgi3e us our sins+9 O*urre (anthur)
Sheikh Sha.li OrahP sai$, 96he *i3ines sa' that 9AGAA9 (ho,e in Allah<s (erc') $oes not
consist in entertaining false ho,es of Allah<s (erc' %hich )eguile a ,erson into neglect of
3irtues, an$ len$ him the au$acit' to commit sins+ Such ho,es are, in realit', 3ain $esires,
em,lo'e$ )' Shaitan as a means of $ecei3ing ,eo,le+9 (a<roof Karkhi OrahP sa's, 9It is
sinful to 'earn for Gannah %ithout ,erforming goo$ $ee$s+ It is a kin$ of self-$ece,tion to
entertain ho,es of intercession )' a ,ious )eing, %ithout ha3ing an' affinit' or s,iritual link
%ith him@ an$ hol$ing ho,es of Allah<s (erc' %ithout o)e'ing His comman$ments is mere
foll' an$ sheer ignorance+9 Hasan !asri OrahP sa's, 9Some ,eo,le neglect 3irtuous $ee$s
an$ entertain 3ain ho,es of Allah<s (erc' an$ &orgi3eness, so much so that the' lea3e the
%orl$ %ithout ha3ing ,erforme$ an' act of 3irtue+9 >n another occasion he sai$, 9> ser3ants
of AllahK !e%are of entertaining 3ain ho,es of Allah<s (erc'+ &or, those %ho hol$ such ho,es
%ithout ,erforming goo$ $ee$s are li3ing in a fools ,ara$ise+ !' Allah, no ,erson %as <e3er
grante$ goo$ re%ar$ )' Allah 6a<aala, neither in this %orl$ nor in the ne2t, merel' for
ha3ing 3ain ho,es of His (erc'+9 O(a.aahirP
Imaam -ha.ali OrahP sa's, 96he hearts of those %ho ha3e )een )eguile$ into 3ain ho,es of
Allah<s (erc' are lost in a)'smal $arkness, %here there are la'ers u,on la'ers of $arkness
an$ the' can har$l' see an'thing+9
Hasan !asri %as aske$, 94hat $o 'ou think of the ,eo,le %ho $o not ,erform goo$ $ee$s
)ut sa' that the' ha3e e2,ectations of Allah<s (erc'B9 He re,lie$, 96he' are $elu$e$ )' 3ain
ho,es+ &or, he %ho e2,ects to gain a thing must struggle to achie3e it, an$ he %ho fears a
thing Othe ,unishment of Allah 6a<aalaP must struggle har$ to esca,e it+9
>nce, Sheikh (uslim 8asaar OrahP lai$ ,rostrate so long in Saj$a that his teeth )egan to
)lee$ an$ t%o of them fell off )ecause of the ,ressure+ Someone sai$ to him, 9I am not
ca,a)le of such $e3otions )ut I $o ha3e e2,ectations of Allah<s &orgi3eness+9 6he Shaikh
re,lie$, 98ou are far from entertaining ho,es of forgi3eness, 3er' far in$ee$K He %ho
e2,ects to gain something must struggle to achie3e it an$ he %ho fears a thing tries to
esca,e it+9
In short, Allah 6a<aala ,romise$ to forgi3e all the sins of His ser3ants if the' turn to Him in
re,entance an$ thereafter follo% the ,ath of 3irtue+ He sa's, 9L1I:8 I A( &>-ILI;-
6>4A*S HI( 4H> 1P1;6S A;* !1:I1L1S, A;* *>1S ->>* A;* 6H11A&61
&>::>4S 6H1 PA6H >& -#I*A;51+ OEI?JEP