اَلَّذِيۡنَ يَاۡكُلُوۡنَ الرِّبٰوا لَا يَقُوۡمُوۡنَ اِلَّا كَمَا يَقُوۡمُ الَّذِىۡ يَتَخَبَّطُهُ الشَّيۡطٰنُ مِنَ الۡمَسِّؕ ذٰ لِكَ بِاَنَّهُمۡ قَالُوۡۤا اِنَّمَا الۡبَيۡعُ مِثۡلُ الرِّبٰوا ۘ وَاَحَلَّ اللّٰهُ الۡبَيۡعَ وَحَرَّمَ الرِّبٰوا ؕ فَمَنۡ جَآءَهٗ مَوۡعِظَةٌ مِّنۡ رَّبِّهٖ فَانۡتَهٰى فَلَهٗ مَا سَلَفَؕ وَاَمۡرُهٗۤ اِلَى اللّٰهِؕ وَمَنۡ عَادَ فَاُولٰٓٮِٕكَ اَصۡحٰبُ النَّارِۚ هُمۡ فِيۡهَا خٰلِدُوۡنَ ﴿۲۷۵﴾
"Those who take Riba (usury, interest) will not stand but as stands the one whom the demon has driven crazy by his touch. That is because they have said: "Trading is but like Riba." And Allah has permitted trading, and prohibited Riba. So, whoever receives an advice from his Lord and stops, he is allowed what has passed, and his matter is up to Allah. And the ones who revert back, those are the people of Fire. There they remain for ever."
In Shariah terms Riba or interest is that excessive amount that one takes back on a loan, having been set in advance. The non-believers of Makkah used to say that just like we sell goods to earn profit, and this has been declared Halal by Shariah, similarly, if we earn profit on the loans we give why has that been declared Hara'am (unlawful)? The logical answer to their question apparently would have been that the purpose of manufacturing goods and commodities is that one earns profit by selling these, however, that was the not the purpose of creating currency or money. It was created as a medium of exchange so that goods could be bought and sold using it as a medium. If, rather than goods, people start selling money to make money, it leads to many societal problems. (These problems have been outlined in detail in the booklet "The historical decision on Riba' by Mufti Muhammad Taqi Usmani DB).
To be continued...
Adapted from Aasan Tarjuma Quran, by Mufti Muhammad Taqi Usmani DB
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