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Shaykh Saleem Dhorat

Loans and Debts: The Islamic Perspective


16th Jumādal-Ākhirah 1442 AH ~ Friday 29th January 2021 

By Shaykhul-Hadīth, Hadrat Mawlānā Muhammad Saleem Dhorat hafizahullāh

Taking loans

Allāh ta‘ālā has full control over the financial situation of each and every person. Whether a person is well off or struggling to make ends meet, this is all decreed by Allāh ta‘ālā.

For those struggling financially, taking a loan is a way of alleviating financial difficulty. However, one should try his utmost to avoid taking loans as they can lead to many ills. This is why Rasūlullāh sallallāhu ‘alayhi wasallam would make the following du‘ā:

اَللّٰهُمَّ إِنِّيْ أَعُوْذُ بِكَ مِنَ الْمَأْثَمِ وَالْمَغْرَمِ

O Allāh! I seek refuge in You from sins and debt.

When Rasūlullāh sallallāhu ‘alayhi wasallam was asked as to why he frequently sought refuge in Allāh ta‘ālā from being in debt, he said, “Indeed, when a person incurs a debt, he will lie when he speaks and he will break promises whenever he makes them.” (Al-Bukhārī, Muslim) It is evident from the hadīth that after taking a loan, if a person is unable to repay on time, he will resort to lying and breaking promises.

As loans are often taken from family and friends, if there are delays in repaying or fulfilling promises, it will eventually lead to disputes that will destroy family ties and friendships. This point is captured in an Arabic saying:

الْقَرْضُ مِقْرَاضُ الْمَحَبَّةِ

Loans are the scissors of love.

Therefore, one should always try to avoid taking loans. However, our Dīn has made taking loans permissible for situations when one has no other choice. If one has to resort to taking loans they should keep the following points in mind:

•  The option of taking a loan is only for those who are in dire need. It is not appropriate for a person to take a loan just to fulfil one’s desires, for example spending on holidays, expensive cars and unnecessary house extensions.

•  The loan arrangements should be in complete conformity with the rules and injunctions of Dīn. Loans should not be taken from interest-based sources nor have impermissible conditions.

•  One should have a genuine and sincere intention to repay the loan as the assistance of Allāh ta‘ālā will be with him. Rasūlullāh sallallāhu ‘alayhi wasallam has said:

One who takes the money of people with the intention of repaying it, Allāh ta‘ālā will repay it on his behalf. (Al-Bukhārī)

    This means that Allāh ta‘ālā will create the means and grant barakah in his sustenance, to enable him to repay the debt.

•  One should make every effort to repay the loan on time. If one is unable to do so, the creditor should be informed and a polite request made for extra time.

•  One should refrain from unnecessary spending whilst being in debt, as this will result in delays in repaying the loan.

•  One should make a record of the loan, whether it is large or small, so that the loan and its amount are not forgotten. This will save disputes in the future. 

•  If one has not paid off a loan before his death then he should make a provision in his will for its repayment. If he passes away without paying off the loan or making a bequest, he will be questioned in the Court of Allāh ta‘ālā.

Granting loans

Those who have the means should support those who are in need by giving loans. Allāh ta‘ālā grants extra wealth to people so they can help others who are in need. Therefore, those who have been blessed with more than their needs should spend as much as possible in good causes; one such good cause is giving loans.

Rasūlullāh sallallāhu ‘alayhi wasallam said: “On the night of Mi‘rāj, I saw written on the door of Jannah, ‘(The reward of) Sadaqah is ten times and (the reward of giving a loan) is eighteen times.’ I asked, ‘O Jibra’īl! Why is giving a loan better than sadaqah?’ He said, ‘Because the beggar may ask and already have, whilst the one asking for a loan only asks when in need.’” (Ibn Mājah)

After giving a loan, if a situation arises where the debtor is finding it difficult to repay on time, the creditor should extend the time for repayment. Allāh ta‘ālā says:

If he (the debtor) is in financial difficulty, then allow him grace until a time of ease (when he will be able to pay back easily)… (2:280)

Even better than extending the time, is waiving the repayment of the loan. If the loan is of such an amount that waiving it completely will not bring any difficulty upon the lender, then it is better to do so. Allāh ta‘ālā says:

…and that you forgo it as charity is much better for you, if you really knew. (2:280)

And for those who forgive others and waive their debts, Allāh ta‘ālā will definitely be merciful towards them on the Day of Qiyāmah. Rasūlullāh sallallāhu ‘alayhi wasallam has said:

Allāh will grant a place in His shade to that person who grants respite to a poor person (in the repayment of a debt) or cancels the debt (partly or altogether). (Muslim)

Managing expenditure to avoid debts

Those who have been granted barakah in their wealth should try their utmost to ensure a situation does not arise whereby they are forced into taking loans. One method of doing so is by controlling expenditure so that it is in accordance to our income. It should not be the case that our expenditure exceeds our income, thereby taking us into debt.

Hadrat Muftī Muhammad Shafī‘ rahimahullāh and Hadrat Mawlānā Masīhullāh Khān rahimahullāh would say: “Income is not in our control; but expenditure is, so what is not in our control should be based on what is in our control.”

Nowadays, people just spend without any consideration of their income. This is incorrect. There is a saying in English, “Stretch (one’s) legs according to the coverlet (bedspread).” If one stretches his legs more than his bedspread, he will feel cold, but if he stretches according to the size of the bedspread he will remain comfortable. Similarly, if we let our expenditure go beyond our income, we will fall into debt, and if we limit our expenditure according to our income, we will always remain financially stable.

The reason why many people complain about their financial circumstances is the fact that they spend on things they do not need. If we analyse our weekly shopping for example, we will realise that 20-30% of our purchases are unnecessary. Why should one who is in dire circumstances be spending £10-£15 a week on luxuries like chocolates, sweets or soft drinks? Many of us come across items which are on offer e.g. “buy one, get one free,” and we immediately purchase these items thinking that we are getting a good deal. However, the reality is that most of the time we are not in need of even the one item we are paying for.

This is why we must make a list of the things we need before we go shopping and not think about it whilst we are there. Make a list and then only buy what is on the list, so that we can avoid unnecessary expenditure.

In summary, we must be grateful to Allāh ta‘ālā for the wealth that He has given us. This gratitude demands that we take care of it and not squander it here and there, so that we become compelled to take loans. If a situation arises where we must take a loan, then we should keep in mind the points that have been mentioned above.

May Allāh ta‘ālā grant us the ability to act upon these advices. Āmīn.

Extracted from Riyāḍul Jannah, Vol. 28 No. 2, Feb 2019

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Shaykh Saleem Dhorat

Illness – A Blessing in Disguise

By Shaykhul-Hadīth, Hadrat Mawlānā Muhammad Saleem Dhorat hafizahullāh

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بسم الله الرحمن الرحيم

Innumerable Favours of Allāh ta‘ālā

Allāh ta‘ālā states,

If you were to enumerate the Favours of Allāh, you would not be able to count them. Surely, Allāh is Ever-Forgiving, Most-Merciful. (16:18)

Allāh ta‘ālā has bestowed us with so many bounties that our minds are unable to encompass them and we would never be able to enumerate them. Rather, often we fail to realise a bounty to be a blessing being showered upon us. Furthermore, many times we regard a certain bounty to be an adversity!

Illness – a Bounty from Allāh ta‘ālā

Illnesses have always been around and will continue to be. Various forms of illnesses are prevalent throughout the world. At times people become ill in large numbers; the current Coronavirus pandemic being a prime example of this. It would be unintelligent to believe that we can completely eradicate every illness and have an ‘illness free’ world. However, as Muslims we need to understand what our thinking should be with regards to illnesses; we need to contemplate and realise whether illnesses are in reality adversities or actually blessings in disguise.

Generally, health is perceived to be a bounty from Allāh ta‘ālā and rightly so. However, illness is also a bounty from Allāh ta‘ālā. Fundamentally, health and illness are no different for a believer; both are a bounty and blessing from Allāh ta‘ālā. Rasūlullāh sallallāhu ‘alayhi wasallam has stated,

How wonderful is the situation of a believer! Every situation of his is ‘khayr’ (goodness) for him, and this is for no one except the believer; if he finds himself in a favourable situation, he expresses gratitude and this is good for him; and if he is afflicted with adversity, he exercises patience and this is good for him. (Muslim)

Rasūlullāh sallallāhu ‘alayhi wasallam has explained in this Hadīth that both situations of adversity and ease are ‘khayr’. Accordingly, a believer’s attitude should be that he does not act according to circumstances, but rather according to his objective, i.e. the Pleasure of Allāh ta‘ālā. Therefore, in reality, no situation should be adverse for him because his focus will be to acquire Divine Pleasure by remaining within the parameters set by Allāh ta‘ālā and His Rasūl sallallāhu ‘alayhi wasallam for those circumstances. In a favourable situation, he will ensure he is grateful to Allāh ta‘ālā by not violating any of His Commands, whilst in adversity, he will exercise patience and act accordingly. As a result, he will acquire the Pleasure of Allāh ta‘ālā in both situations, hence the adversity will also prove to be a blessing for him.

Positive Aspects of Illness

If we analyse the situation of a person afflicted with illness, we do not find him at any disadvantage in the pursuit of his objective, the Pleasure of Allāh ta‘ālā. Rather, we will conclude that he has a greater advantage than those in privileged circumstances. Let us look at some of the benefits that a sick person acquires when he becomes ill.

1. Special Blessings, Mercies and Guidance from Allāh ta‘ālā

Allāh ta‘ālā states,

…And give glad tidings to those who exercise patience, those who, when any difficulty befalls them, say, “Indeed, we belong to Allāh, and to Him we will return.” Those are the ones upon whom there are (special) blessings from their Rabb, and mercy; and those are the ones who are rightly guided. (2:155-57)

As is apparent from the above verse, one who exercises patience during illness or adversity and says ‘innā lillāhi wa innā ilayhi rāji‘ūn’, he will receive special blessings from Allāh ta‘ālā as well as general mercies and Allāh ta‘ālā will increase him in hidāyah (guidance) too.

2. Expiation of Sins

In one Hadīth, Rasūlullāh sallallāhu ‘alayhi wasallam has stated,

Do not speak ill of fever, for it gets rid of the sins of the children of Ādam just as the furnace gets rid of the impurities from iron. (Muslim)

In another Hadīth, a Sahābī radhiyallāhu ‘anhu commented regarding a person who had passed away, ‘Glad tidings for him that he died without becoming ill.’ Rasūlullāh sallallāhu ‘alayhi wasallam replied,

Woe to you! What do you know? It is possible that had Allāh afflicted him with an illness, He would have forgiven his sins through its medium. (Al-Muwattā, Imām Mālik rahimahullāh)

3. A High Status in the Court of Allāh ta‘ālā

Many virtues have been mentioned with regards to those people who visit the sick. Rasūlullāh sallallāhu ‘alayhi wasallam has said,

No Muslim visits another sick Muslim in the morning except that seventy thousand angels pray for his forgiveness until the evening, and he does not visit him in the evening except that seventy thousand angels ask for his forgiveness until the morning. And for him will be an orchard in Jannah. (At-Tirmidhī)

Rasūlullāh sallallāhu ‘alayhi wasallam has also said,

Whoever visits a sick person, a caller (angel) calls out from the heavens, “You are pure and pure is your walking, and you have made for yourself an abode in Jannah.” (Ibn Mājah)

If such are the virtues for those who visit the sick, then what status must the sick person hold in the Court of Allāh ta‘ālā?

4. A Sign of Goodness

Rasūlullāh sallallāhu ‘alayhi wasallam has stated,

The person for whom Allāh desires goodness, he is afflicted. (Al-Bukhārī)

5. Award of Jannah

Rasūlullāh sallallāhu ‘alayhi wasallam has stated,

Allāh ta‘ālā states, “When I test my servant by (taking away) his eyesight and he remains patient, I give him Jannah in return.” (At-Tirmidhī)

6. Martyrdom

Rasūlullāh sallallāhu ‘alayhi wasallam has stated,

The one who dies due to an illness in the stomach is a martyr, and the one who dies due to a plague is a martyr. (Al-Bukhārī)

7. Proximity to Allāh ta‘ālā

Rasūlullāh sallallāhu ‘alayhi wasallam has stated,

Indeed, Allāh ta‘ālā will say on the Day of Judgement, “O son of Ādam! I was ill and you did not visit me?” He will say, “How could I have visited you when you are the Rabb of the all the worlds?” (meaning how could You have become ill?) He will say, “Did you not know that a certain servant of Mine was ill and you did not visit him? Did you not know that had you visited him, you would have found Me by his side?”… (Muslim)

8. Reward Beyond Measure

Allāh ta‘ālā states,

Indeed, those who observe patience will be given their reward in full without measure. (39:10)

Rasūlullāh sallallāhu ‘alayhi wasallam has stated,

When those who endured difficulties (in the world) will be given (their) reward (for exercising patience), those who were given safety will wish that their skin was cut up with scissors in the world (so that they too would have become deserving of that reward). (At-Tirmidhī)

If one is ill himself or if someone in his family is ill, then he should make du‘ā for the removal of the illness, spend in charity and also resort to medicine, but one should not fear illness or have a disliking for it. When there are so many Dīnī benefits for those who are afflicted with adversity or illness, then surely, it should be recognised as a blessing in disguise.

Making Du‘ā for the Removal of Illness

A question may arise in a person’s mind that if illness is such a great blessing, then why should we want to make du‘ā or resort to medicine for its cure? In this regard, I would like to mention an incident:

Hadrat Mawlānā Ashraf ‘Alī Thānwī rahimahullāh narrates that the great spiritual mentor, Hadrat Hājī Imdādullāh rahimahullāh was once discussing the positive aspects of illnesses. Coincidentally, a person came to request Hadrat to make du‘ā for his wife who was ill. Hadrat Thānwī rahimahullāh mentions that I thought to myself, ‘How will Hadrat make du‘ā for the lady as this will entail asking Allāh ta‘ālā to take away a blessing granted by Him?’

Hadrat Mawlānā Ashraf ‘Alī Thānwī rahimahullāh says that Hadrat Hājī Imdādullāh rahimahullāh supplicated: O Allāh! Health is a blessing and illness is also a blessing; however, we are incapable of enduring the blessing of illness, so change it with the blessing of health which we are able to endure (happily).

In conclusion, a believer should always keep acquiring the Pleasure of Allāh ta‘ālā in mind and regard every situation and circumstance a blessing from Allāh ta‘ālā. Surely, no situation will be an adversity for him if he learns to face it in the correct manner. Hence, the current pandemic of Coronavirus should also not over-concern a believer. A person should take all preventive measures and thereafter if he remains safe, alhamdulillāh, and if he is afflicted then too, alhamdulillāh, as he will be blessed with numerous Dīnī benefits that he will reap in this world and the Hereafter.

Extracted from Riyāḍul Jannah, Vol. 29 No. 4/5, 2020

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Shaykh Saleem Dhorat

The Best Garment

بسم الله الرحمن الرحيم

By Shaykh-ul-Hadīth, Hadrat Mawlānā Muhammad Saleem Dhorat hafizahullāh

Blessing of Clothing

The great Muhaddith, ‘Allāmah An-Nawawī rahimahullāh, in his masterpiece Riyād-us-Sālihīn, begins the discussion on clothing with the following verses of the Glorious Qur’ān:

O children of Ādam! We have sent down to you the dress that covers your shame and provides adornment. As for the dress of taqwā [piety] that is the best. (7:26)

… And made for you garments that protect you from heat, and garments that protect you in your battles. (16:81)

We learn two very important lessons about clothing from these verses of the Qur’ān. The first lesson is that clothes are a blessing from Allāh ta‘ālā. Commenting on the phrase, “We have sent down to you”, the commentators of the Qur’ān have stated that clothes are a blessing from Allāh ta‘ālā as the sources from which clothing is produced, e.g. cotton, are created by Allāh ta‘ālā and man has no role to play in the creation of the source. Likewise, clothes are a blessing from Allāh ta‘ālā because it is Allāh ta‘ālā alone who inspires us with the ability and imagination to utilise these resources to manufacture and produce clothing. 

Purpose of Clothing

The second lesson is that clothing serves three main purposes. The first purpose is to cover and conceal the ‘awrah. The ‘awrah is that portion of the body which should not be revealed without a Shar‘ī necessity. Thus, we can imagine what a great bounty clothes are; for without clothes how would we be able to cover our ‘awrah and thus maintain our dignity and honour?

The second purpose is to protect the body from heat, cold and other physical harms. Hence, we have different types of clothes to match different climates and also for different activities. For example, we have specially designed wear such as armour and camouflage clothing that is used in unique circumstances such as wars, to protect the wearer.

To reflect our nature, Allāh ta‘ālā mentions a third purpose of clothing, that is to adorn and beautify. We can further understand these three purposes through an everyday example. A man can wear a sheet that will cover his ‘awrah which is sufficient to fulfil the minimum Shar‘ī requirement. However, rather than limit himself to this, he will also wear a jubbah (thobe) and a shawl, to not only safeguard his body but also make himself look more presentable. The masnūn du‘ā as related by Sayyidunā ‘Umar radhiyallāhu ‘anhu upon wearing new clothes highlights some of the above purposes:

All praise is for Allāh who has dressed me in such clothing that covers my ‘awrah and which also aids me in my beautification. (At-Tirmidhī, Ibn Mājah)

Beautification is a Worthy Trait

Jamāl (beautification) is an action approved and indeed recommended by our Sharī‘ah. The Sīrah of Prophet sallallāhu ‘alayhi wasallam also teaches us to keep in mind beauty when clothing ourselves. In a hadīth we find the following narration:

Indeed, Allāh is beautiful and loves beauty. (Muslim)

Therefore, when dressing and adorning ourselves we should make the following intentions:

1) to acquire the Pleasure of Allāh ta‘ālā.

2) to follow the sunnah of Rasūlullāh sallallāhu ‘alayhi wasallam.

3) to please my near and dear ones, e.g. my spouse, my parents, my children. This is also a deed in itself liked by Allāh ta‘ālā, thereby increasing His Pleasure.

Due to his exalted taqwā and spiritual status, Hakīm-ul-Ummah Hadrat Mawlānā Ashraf ‘Alī Thānwī rahimahullāh was not inclined towards adornment. However, the renowned Shaykh would, keeping the third intention in mind, adorn himself in moderation and refrain from total abstinence.

Two Major Pitfalls

Whilst beautification is recommended by the Sharī‘ah, there are two major pitfalls that must be avoided. The first is an incorrect intention. To adorn oneself for show, pride, or to display exclusivity, are all intentions that must be avoided. Dressing with this in mind that ‘no one has the clothes I have’, or ‘no one looks or should look like me’, or ‘my clothes show that I am better than everyone else’, are all thoughts which reflect an incorrect intention and are not permitted. Hence, it is essential to constantly review and rectify our intentions in this regard.

The second pitfall is of extravagance. Extravagance is usually the consequence of a person’s incorrect intention to show off, to feel better than others and to display their greatness. There is a fine line between beautification and extravagance. Designer wear is a good example when trying to make this distinction. If we buy an item of clothing worth £25 for £100, only because it has a specific label, we should question ourselves ‘What is driving me to do this? If I can purchase the same product, of the same quality, for a much cheaper price, what am I paying the extra for?’ When we question ourselves in this way, it will expose the incorrect intention that we are spending to help satisfy our inner pride and desire to maintain our ‘status’ and ‘exclusivity’, leading to extravagance in spending.

Therefore, as Muslims we must ensure whilst adopting adornment and beautification that one remains within the limits of the Sharī‘ah, by reviewing the intention and abstaining from extravagance.

The Best Clothing

O children of Ādam! We have sent down to you the dress that covers your shame and provides adornment. As for the dress of taqwā [piety] that is the best. (7:26)

The verses of the Glorious Qur’ān also direct our attention to another form of dress, a type of garment which conceals, protects and beautifies the inner self. This garment, is the garment of taqwā and is essential for every person, for it is this garment that covers and subdues the radhā’il, i.e. those negative traits of the heart, such as pride and jealousy, which a person would be ashamed of and would not want others to see. Also, it is the garment of taqwā that helps a person adorn his inner self with the fadā’il, i.e. the praiseworthy traits of the heart, such a humility and generosity, which beautify a person’s character. It is the garment of taqwā which also provides a person protection from all the trials of this world and the Hereafter.

Therefore, it is the ‘Libās-ut-Taqwā’ (the dress of taqwā) which is the greatest garment a person can adorn. The Glorious Qur’ān reminds us of this by using the phrase ‘that is the best.’  The outer appearance may temporarily deceive the onlooker, however ultimately the great beauty or ugly nature that lies within will be revealed. We experience this in our day to day lives. A person may be wearing the most striking of clothes but if the inner self is not adorned then, despite the initial positive impression, upon interaction we find the person unappealing.

True concealment, true protection, and true beauty in this world and more importantly in the Hereafter is only achieved when the inner self is ‘dressed’ with the clothing of taqwā. Therefore, whilst continuing to use the blessing of clothes to beautify our appearance, we should give more attention to the beautification of the inner self. 

May Allāh ta‘ālā grant us the tawfīq to use the blessing of clothes in a manner which acquires His Pleasure and to adorn ourselves with the best of clothes, taqwā. Āmīn. 

© Riyādul Jannah (Vol. 29 No. 10, Oct 2017)