The verses about usury (interest)

3- The verses about usury (interest)

The following is stated in verses 275 and 276 of the chapter of al-Baqara:

Those who devour usury will not stand except as stands one whom the Evil One by his touch hath driven to madness. That is because they say: "Trade is like usury, but Allah hath permitted trade and forbidden usury. Those who after receiving direction from their Lord, desist, shall be pardoned for the past; their case is for Allah (to judge); but those who repeat (the offence) are companions of the Fire: they will abide therein (for ever). Allah will deprive usury of all blessing, but will give increase for deeds of charity: for He loveth not creatures ungrateful and wicked.

We will focus on the following points regarding the verses above:

1- First Point: Those who devour usury will come out of their graves like those who were struck and driven mad by Satan. This is a punishment given to those who devour usury. The following is stated in a hadith of the Prophet (pbuh) reported by Awf Ibn Malik: "Beware the sins that are not forgiven… One of them is to devour usury. A person who devours usury will appear as stricken and mad on the Day of Judgment." Then, the Prophet (pbuh) recited the verse we are interpreting: "Those who devour usury will not stand except as stands one whom the Evil One by his touch hath driven to madness." (Tabarani)

O he who devours usury! Do you want to come out of your grave like a person whom Satan has struck and driven mad in return for the property of the world, which is very short-lived. Let alone the few worldly possessions you are trying to earn, do you think the whole world is worth it? How many more days will you live in this world?  Even if you owned the whole world, would they not tell you to leave the world when you die? Will you not leave the world and the possessions that you like very much soon? Yes, you will leave the wealth you have obtained from usury and interest but you will carry its sin yourself. 

The second point we will focus on the verses we have mentioned is the following sentence uttered by those who devour usury: “Trade is like usury.” That is, they regard usury and trade as equal. Those who devour usury in this age also say the same thing: We buy and sell. We sell money in return for money. It is not any different from other business and trade…”

In return for their word, Allah states the following in the verse: “Allah hath permitted trade and forbidden usury.”

O Muslim who deals with usury! Will you still say trade is like usury after this word of Allah? Know it very well that usury is not like trade. For, Allah has permitted trade and forbidden usury. Is Allah's prohibition not enough for you to avoid something?

The third point we will focus on the verses we have mentioned is the part “but those who repeat (the offence) are companions of the Fire: they will abide therein (for ever).” O he who plunges in usury bravely! Do you not see that your Lord has described the place where those who devour usury will go as Hell and that they will stay there forever? Does this news not make you fear? You do not even receive your share from the threat of your Lord; what happened to your heart? Do you think going to Hell and staying there forever is something easy? If you think it is easy, we advise to watch our video we prepared about Hell. You will see that Hell is not such an easy place to enter.  

The fourth point we will focus on the verses we have mentioned is "Allah will deprive usury of all blessing, but will give increase for deeds of charity." The word mahq in Arabic means to decrease something gradually and to eliminate its abundance. The elimination of the abundance of usury will take place either in the world or the hereafter. As for its elimination in the world, it is described by the Prophet (pbuh) as follows: “Even if usury seems to be a lot, it will decrease in the end.” Therefore, those who devour usury become miserable in the end and die in a terrible state.  

As for its elimination in the hereafter, Ibn Abbas states the following regarding the issue: “Allah does not accept the sadaqah, jihad, hajj or visiting relatives of the person who devours usury.” (Tafsir of Hazin)

O he who deals with usury! Know it very well that the usury you receive will be eliminated. That is, the abundance of your property will disappear and you will lose what you have. However, the real destruction is in the hereafter. Your good deeds you did in the world will be thrown at your face due to usury and you will regret so much that it is impossible to imagine. Come to your sense and repent today; give up all kinds of transactions with usury and interest today.

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