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which is radically different from the understanding of Muslim scholars throughout the last fourteen centuries and is
also sharply in conflict with the categorical statements of the Prophet (peace be on him). According to Islamic
teachings any excess on the capital is riba (interest). Islam accepts no distinction, in so far as prohibition is
concerned, between reasonable and exorbitant rates of interest, and thus what came to be regarded as the difference
between usury and interest; nor between returns on bonus for consumption and those for production purposes and so
on. (2.275)
2:276 - Allah will deprive usury of all blessing but will give increase for deeds of charity: for He
loveth not creatures ungrateful and wicked.
2:278 - O ye who believe! fear Allah and give up what remains of your demand for usury if ye are
indeed believers.
2:279 - If ye do it not take notice of war from Allah and his Apostle: but if ye turn back ye shall have
your capital sums; deal not unjustly and ye shall not be dealt with unjustly. 328
328 This is not war for opinions, but an ultimatum of war for the liberation of debtors unjustly dealt with and oppressed.
(2.279)
3:130 - O ye who believe! devour not usury doubled and multiplied; but fear Allah; that ye may
(really) prosper. 450451
450 Cf. ii. 275 and note. The last verse spoke of forgiveness, even to enemies. If such mercy is granted by Allah to erring
sinners, how much more is it incumbent on us, poor sinners to refrain from oppressing our fellow-beings in need, in
matters of mere material and ephemeral wealth? Usury is the opposite extreme of charity, unselfishness, striving, and
giving of ourselves in the service of Allah and of our fellow-men. (3.130)
451 Real prosperity consists, not in greed, but in giving,-the giving of ourselves and of our substance in the cause of Allah
and Allah's truth and in the service of Allah's creatures. (3.130)
30:39 - That which ye lay out for increase through the property of (other) people will have no
increase with Allah: but that which ye lay out for charity seeking the Countenance of Allah (will
increase): it is these who will get a recompense multiplied. 35523553
3552 Riba (literally 'usury' or 'interest') is prohibited, for the principle is that any profit which we should seek should be
through our own exertions and at our own expense, not through exploiting other people or at their expense, however
we may wrap up the process in the spacious phraseology of high finance or City jargon. But we are asked to go
beyond this negative precept of avoiding what is wrong. We should show our active love for our neighbor by spending
of our own substance or resources or the utilization of our own talents and opportunities in the service of those who
need them. Then our reward or recompense will not be merely what we deserve. It will be multiplied to many times
more than our strict account. According to Commentators this verse specially applies to those who give to others,
whether gifts or services, in order to receive from them greater benefits in return. Such seemingly good acts are void
of any merit and deserve no reward from Allah, since He knows the real intention behind such ostensibly good deeds.
(30.39)
3553 Seeking the "Face" or "Countenance" of Allah, i.e., out of our pure love for the true vision of Allah's own Self. See also
n. 3550 above. (30.39)
2:280 - If the debtor is in a difficulty grant him time till it is easy for him to repay. But if ye remit if by
way of charity that is best for you if ye only knew.
Sahih Al-Bukhari Hadith
Hadith 3.379 Narrated by
Ibn Umar
The Prophet said, "The selling of wheat for wheat is Riba (usury) except if it is handed from hand to hand and equal in
amount. Similarly the selling of barley for barley, is Riba except if it is from hand to hand and equal in amount, and dates for
dates is usury except if it is from hand to hand and equal in amount. (See Riba-Fadl in the glossary).
Sahih Al-Bukhari Hadith
Hadith 5.159 Narrated by
Abu Burda
When I came to Medina, I met Abdullah bin Salam. He said, "Will you come to me so that I may serve you
with Sawiq (i.e. powdered barley) and dates, and let you enter a (blessed) house that in which the Prophet
entered?" Then he added, "You are in a country where the practice of Riba (i.e. usury) is prevalent; so if
somebody owes you something and he sends you a present of a load of chopped straw or a load of barley or
a load of provender then do not take it, as it is Riba."
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