One type of the usury is transferring of wealth to another person on the condition of its repayment in a larger amount, and with this description any definite interest that the bank makes condition, in proportion to the deposit, to depositor and pays him is considered usury and is forbidden according to the book of God; As one of our helpers informed us, said:
«سَأَلْتُ الْمَنْصُورَ أَیَّدَهُ اللّهُ تَعَالَى عَنِ الْمَصْرَفِ یُودِعُهُ الرَّجُلُ مِنْ مالِهِ مِائَةَ دِینارٍ لِیَعْمَلَ بِهِ إِلَى أَجَلٍ مُسَمًّی عَلَى أَنْ یُؤْتِیَهُ عِشْرِینَ دِیناراً مِنَ الرِّبْحِ، قالَ: هَذَا وَاللّهِ رِباً فَاجْتَنِبُوهُ! قُلْتُ: إِنَّهُمْ یَقُولُونَ ما هُوَ إِلّا مُضارَبَةٌ! قالَ: كَذَبُوا! أَلَمْ یَعْلَمُوا أَنَّ رِبْحَ الْمُضارَبَةِ غَیْرُ مَعْلُومٍ وَ لا مَشْرُوطٍ؟!»; “I asked his Honor Mansoor may God help him about the bank that a man deposits one hundred Dinars of his money to it in order to work with that in a determined time, in return for that it pays twenty Dinars interest to him! Said: Swear to God, this is usury, then avoid it! I said: They say that this is Mudharabah! He said: They are lying! Do they not know that the benefit of Mudharabah is neither definite nor conditional?!”
But the fact is that at the present time any transaction with the bank is not permissible except in cases of necessity; because the bank, with its current structure, has no principle in Islam and is one of the invented-heresies of the infidels, which has always acted within the framework of their economic policies and has helped their domination over the world’s wealth and the Muslims’ dependence on them; as one of our helpers informed us, said:
«سَأَلْتُ الْمَنْصُورَ أَیَّدَهُ اللّهُ تَعَالَى عَنِ الْبَنْكِ، فَقالَ: سَلْ غَیْرِي! سَلْ هَؤُلَاءِ الْفُقَهاءَ! قُلْتُ: لِماذا؟! قالَ: لِأَنَّكَ فِي سَعَةٍ ما لَمْ تَسْأَلْنِي فَإِذا سَأَلْتَنِي أَخْبَرْتُكَ بِالْحَقِّ فَضاقَتْ عَلَیْكَ! أَما سَمِعْتَ قَولَهُ تَعَالَى: ﴿لَا تَسْأَلُوا عَنْ أَشْيَاءَ إِنْ تُبْدَ لَكُمْ تَسُؤْكُمْ﴾؟! قُلْتُ: أَخْبِرْنِي بِالْحَقِّ وَ لا تَرُدَّنِي إِلَى حُفْنَةٍ مِنَ الْقَراصِنَةِ! قالَ: لا بَنْكَ فِي الْإِسْلامِ إِنَّما هُوَ وَدِیعَةٌ وَ قَرْضٌ وَ مُضارَبةٌ وَ مَنْ عامَلَ الْبَنْكَ لَمْ یَسْلَمْ مِنَ الرِّبا! قُلْتُ: إِلّا مَنْ أَكْرَهَهُ ظالِمٌ؟ قالَ: إِلّا مَنْ أَكْرَهَهُ ظالِمٌ! ثُمَّ قالَ: أَ لَكَ مالٌ؟ قُلْتُ: نَعَمْ وَ أَتَطَبَّبُ! قالَ: لَوْ أَلْقَیْتَ مالَكَ فِي الْبَحْرِ خَیْرٌ مِنْ أَنْ تَضَعَهُ فِي الْبَنْكِ، لِأنَّهُ كِیسُ الظَّلَمَةِ وَ إِنَّ كِیسَهُمْ كَبَیْتِ الْعَنْكَبُوتِ یَتَّصِلُ بَعْضُهُ بِبَعْضٍ حَتَّى یَنتَهِيَ إِلَی الْمَرْكَزِ! قُلْتُ: وَ مَا الْمَرْكَزُ؟! قالَ: كِیسُ الْأَعْوَر»; “I asked his Honor Mansoor may God help him about the bank, then he said: Ask other than me! Ask these jurists! I said: Why?! He said: Because you are at liberty until you ask me, so when you ask me, I will inform you of the truth, so there will be hardship for you! Have you not heard the word of almighty God that He says: <Do not ask about things which, if they are disclosed to you, will upset you>?! I said: Inform me of the truth and do not refer to a band of thieves and bandit! He said: There is no bank in Islam and there is only deposit, loan and Mudharabah, and whoever transacts with the bank will not be safe from usury! I said: except for the one an oppressor forces him (for example, for necessary administrative works)? He said: Except for the one who is forced by an oppressor! Then he said: Is there money for you? I said: Yes, I am practicing medicine! He said: If you throw your wealth into the sea, it is better than putting it in the bank; because that is the bag of the oppressors and their bag is similar to the spider’s web, some of which are attached to some others until it leads to the center! I said: Which is the center?! He said: The bag of the (man) one-eyed”!
It is understood from here that those who have capital, if they believe in God and the Day of Judgment, must not put it in the banks of the oppressors, but must do one of the following works:
1 . Relying on God, they make efforts and circulate their capital in legitimate and non-governmental businesses.
2 . Deposit it to those of their pious friends, relatives and neighbors who have legitimate and non-governmental businesses in order to work with that in the form of Mudharabah and similar to that, and participate in its benefits and losses justly.
3 . Deposit it to other Muslims who have legitimate and non-governmental businesses and get a handwritten or guarantee from them to work with it in the form of Mudharabah and similar to that, and participate in its benefits and losses justly.
4 . Keep it by themselves in a safe place until God open a door for them toward one of the above works, and of course spend from it in the way of God and His caliph, so that in this world and the hereafter, it will be returned to them seventy times, if God will.
Just as it is proper for them, with the cooperation of their pious friends, relatives and neighbors, to open a box among themselves in order to pay rate-free interest loans to each other in accordance with God’s laws, and be free of need from the dirty and suspicious loans of the banks; As God has said: ﴿وَتَعَاوَنُوا عَلَى الْبِرِّ وَالتَّقْوَى ۖ وَلَا تَعَاوَنُوا عَلَى الْإِثْمِ وَالْعُدْوَانِ ۚ وَاتَّقُوا اللَّهَ ۖ إِنَّ اللَّهَ شَدِيدُ الْعِقَابِ﴾; “Cooperate in piety and Godwariness, but do not cooperate in sin and aggression, and be wary of Allah. Indeed Allah is severe in retribution”!
Indeed, whoever is wary of God, He will make a way for him, and from where that he does not reckon, He will provide him; since He has promised clearly, and said: ﴿وَمَنْ يَتَّقِ اللَّهَ يَجْعَلْ لَهُ مَخْرَجًا وَيَرْزُقْهُ مِنْ حَيْثُ لَا يَحْتَسِبُ ۚ وَمَنْ يَتَوَكَّلْ عَلَى اللَّهِ فَهُوَ حَسْبُهُ ۚ إِنَّ اللَّهَ بَالِغُ أَمْرِهِ ۚ قَدْ جَعَلَ اللَّهُ لِكُلِّ شَيْءٍ قَدْرًا﴾; “And whoever is wary of Allah, He shall make a way out for him, and provide for him from whence he does not reckon. And whoever puts his trust in Allah, He will suffice him. Indeed Allah carries through His command, Allah has set a measure for everything”.
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