{"id":14247,"date":"2020-04-10T16:50:38","date_gmt":"2020-04-10T16:50:38","guid":{"rendered":"http:\/\/daruliftabirmingham.co.uk\/?p=14247"},"modified":"2020-04-10T22:05:15","modified_gmt":"2020-04-10T22:05:15","slug":"asking-for-a-loan-and-offering-an-incentive","status":"publish","type":"post","link":"http:\/\/daruliftabirmingham.co.uk\/home\/asking-for-a-loan-and-offering-an-incentive\/","title":{"rendered":"Asking for a Loan and Offering an Incentive"},"content":{"rendered":"

\n\tFatwa ID: 03527<\/strong><\/span><\/span><\/span><\/span><\/span>\n<\/p>\n

\n\tAnswered by: Maulana Mohammed Kamran Abid<\/span><\/span><\/span><\/span><\/strong><\/span>\n<\/p>\n

\n\t \n<\/p>\n

\n

\n\t\tQ<\/span><\/span>uestion<\/span><\/span> <\/span><\/span><\/span>\n\t<\/p>\n

\n\t\t \n\t<\/p>\n<\/div>\n

\n

\n\t\tSalam. Is it halal if I ask someone for a loan and offer to pay them back 10% extra as an incentive? This would be straightforward <\/span>riba<\/span>, right? <\/span><\/span> <\/span><\/span><\/span>\n\t<\/p>\n

\n\t\t \n\t<\/p>\n<\/div>\n

\n

\n\t\t <\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n

\n

\n\t\t\u0628\u0650\u0633\u0652\u0645\u0650<\/span><\/span> <\/span><\/span>\u0627\u0644\u0644\u0647\u0650<\/span><\/span> <\/span><\/span>\u0627\u0644\u0631\u0651\u064e\u062d\u0652\u0645\u0646\u0650<\/span><\/span> <\/span><\/span>\u0627\u0644\u0631\u0651\u064e\u062d\u0650\u064a\u0652\u0645<\/span><\/span> <\/span><\/span> <\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n

\n

\n\t\tIn the name of Allah, the Most Gracious, the Most Merciful<\/span><\/span> <\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n

\n

\n\t\t <\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n

\n

\n\t\t <\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n

\n

\n\t\tAnswer:<\/span><\/span> <\/span><\/span><\/span>\n\t<\/p>\n

\n\t\t \n\t<\/p>\n<\/div>\n

\n

\n\t\tWa<\/span><\/span> <\/span><\/span>alaykumus<\/span><\/span> Salaam. Allah says in the Quran, <\/span><\/span>“<\/span><\/span>Allah has permitted trade and forbidden usury.<\/span><\/span>”<\/span><\/span>1<\/span><\/span><\/span><\/span>\n\t<\/p>\n

\n\t\t <\/span><\/span> <\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n

\n

\n\t\tThere is a principle in Islamic jurisprudence that any loan which has a benefit is not permissible. <\/span><\/span><\/span><\/span>\n\t<\/p>\n

\n\t\t \n\t<\/p>\n

\n\t\tTherefore, it would not permissible to ask someone for a loan and offer to pay them 10% extra because the extra amount would be considered <\/span><\/span>riba<\/span><\/span>.<\/span><\/span>2<\/span><\/span> <\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n

\n

\n\t\t \n\t<\/p>\n

\n\t\t <\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n

\n

\n\t\tOnly Allah knows <\/span><\/span>best<\/span><\/span> <\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n

\n

\n\t\t \n\t<\/p>\n

\n\t\tWritten by Maulana<\/span><\/span> Mohammed Kamran Abid<\/span><\/span> <\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n

\n

\n\t\tChecked and approved by Mufti Mohammed <\/span><\/span>Tosir<\/span><\/span> Miah<\/span><\/span> <\/span><\/span><\/span>\n\t<\/p>\n<\/div>\n

\n

\n\t\tDarul<\/span><\/span> <\/span><\/span>Ifta<\/span><\/span> Birmingham<\/span><\/span><\/span><\/span> <\/span>\n\t<\/p>\n

\n\t\t \n\t<\/p>\n

\n
\n

\n\t\t\t[1]<\/span><\/span> <\/span><\/span>(Surah al-Baqarah, verse 275)<\/span><\/span> <\/span><\/span><\/span>\n\t\t<\/p>\n<\/p><\/div>\n

\n

\n\t\t\t[2]<\/span><\/span> [<\/span><\/span>\u0645\u064e\u0637\u0652\u0644\u064e\u0628\u064c<\/span><\/span> <\/span><\/span>\u0643\u064f\u0644\u0651\u064f<\/span><\/span> <\/span><\/span>\u0642\u064e\u0631\u0652\u0636\u064d<\/span><\/span> <\/span><\/span>\u062c\u064e\u0631\u0651\u064e<\/span><\/span> <\/span><\/span>\u0646\u064e\u0641\u0652\u0639\u064b\u0627<\/span><\/span> <\/span><\/span>\u062d\u064e\u0631\u064e\u0627\u0645<\/span><\/span>\u064c<\/span><\/span>]<\/span><\/span> <\/span><\/span><\/span>\n\t\t<\/p>\n<\/p><\/div>\n

\n

\n\t\t\t(<\/span><\/span>\u0642\u064e\u0648\u0652\u0644\u064f\u0647\u064f<\/span><\/span> <\/span><\/span>\u0643\u064f\u0644\u0651\u064f<\/span><\/span> <\/span><\/span>\u0642\u064e\u0631\u0652\u0636\u064d<\/span><\/span> <\/span><\/span>\u062c\u064e\u0631\u0651\u064e<\/span><\/span> <\/span><\/span>\u0646\u064e\u0641\u0652\u0639\u064b\u0627<\/span><\/span> <\/span><\/span>\u062d\u064e\u0631\u064e\u0627\u0645\u064c<\/span><\/span>) <\/span><\/span>\u0623\u064e\u064a\u0652<\/span><\/span> <\/span><\/span>\u0625\u0630\u064e\u0627<\/span><\/span> <\/span><\/span>\u0643\u064e\u0627\u0646\u064e<\/span><\/span> <\/span><\/span>\u0645\u064e\u0634\u0652\u0631\u064f\u0648\u0637\u064b\u0627<\/span><\/span> <\/span><\/span>\u0643\u064e\u0645\u064e\u0627<\/span><\/span> <\/span><\/span>\u0639\u064f\u0644\u0650\u0645\u064e<\/span><\/span> <\/span><\/span>\u0645\u0650\u0645\u0651\u064e\u0627<\/span><\/span> <\/span><\/span>\u0646\u064e\u0642\u064e\u0644\u064e\u0647\u064f<\/span><\/span> <\/span><\/span>\u0639\u064e\u0646\u0652<\/span><\/span> <\/span><\/span>\u0627\u0644\u0652\u0628\u064e\u062d\u0652\u0631\u0650\u060c<\/span><\/span> <\/span><\/span>\u0648\u064e\u0639\u064e\u0646\u0652<\/span><\/span> <\/span><\/span>\u0627\u0644\u0652\u062e\u064f\u0644\u064e\u0627\u0635\u064e\u0629\u0650<\/span><\/span> <\/span><\/span>\u0648\u064e\u0641\u0650\u064a<\/span><\/span> <\/span><\/span>\u0627\u0644\u0630\u0651\u064e\u062e\u0650\u064a\u0631\u064e\u0629\u0650<\/span><\/span> <\/span><\/span>\u0648\u064e\u0625\u0650\u0646\u0652<\/span><\/span> <\/span><\/span>\u0644\u064e\u0645\u0652<\/span><\/span> <\/span><\/span>\u064a\u064e\u0643\u064f\u0646\u0652<\/span><\/span> <\/span><\/span>\u0627\u0644\u0646\u0651\u064e\u0641\u0652\u0639\u064f<\/span><\/span> <\/span><\/span>\u0645\u064e\u0634\u0652\u0631\u064f\u0648\u0637\u064b\u0627<\/span><\/span> <\/span><\/span>\u0641\u0650\u064a<\/span><\/span> <\/span><\/span>\u0627\u0644\u0652\u0642\u064e\u0631\u0652\u0636\u0650\u060c<\/span><\/span> <\/span><\/span>\u0641\u064e\u0639\u064e\u0644\u064e\u0649<\/span><\/span> <\/span><\/span>\u0642\u064e\u0648\u0652\u0644\u0650<\/span><\/span> <\/span><\/span>\u0627\u0644\u0652\u0643\u064e\u0631\u0652\u062e\u0650\u064a\u0651\u0650<\/span><\/span> <\/span><\/span>\u0644\u064e\u0627<\/span><\/span> <\/span><\/span>\u0628\u064e\u0623\u0652\u0633\u064e<\/span><\/span> <\/span><\/span>\u0628\u0650\u0647\u0650<\/span><\/span> <\/span><\/span>\u0648\u064e\u064a\u064e\u0623\u0652\u062a\u0650\u064a<\/span><\/span> <\/span><\/span>\u062a\u064e\u0645\u064e\u0627\u0645\u064f\u0647<\/span><\/span>\u064f<\/span><\/span> … <\/span><\/span> <\/span><\/span><\/span>\n\t\t<\/p>\n<\/p><\/div>\n

\n

\n\t\t\t\u0641\u0650\u064a<\/span><\/span> <\/span><\/span>\u062c\u064e\u0648\u064e\u0627\u0647\u0650\u0631\u0650<\/span><\/span> <\/span><\/span>\u0627\u0644\u0652\u0641\u064e\u062a\u064e\u0627\u0648\u064e\u0649<\/span><\/span> <\/span><\/span>\u0625\u0630\u064e\u0627<\/span><\/span> <\/span><\/span>\u0643\u064e\u0627\u0646\u064e<\/span><\/span> <\/span><\/span>\u0645\u064e\u0634\u0652\u0631\u064f\u0648\u0637\u064b\u0627<\/span><\/span> <\/span><\/span>\u0635\u064e\u0627\u0631\u064e<\/span><\/span> <\/span><\/span>\u0642\u064e\u0631\u0652\u0636\u064b\u0627<\/span><\/span> <\/span><\/span>\u0641\u0650\u064a\u0647\u0650<\/span><\/span> <\/span><\/span>\u0645\u064e\u0646\u0652\u0641\u064e\u0639\u064e\u0629\u064c<\/span><\/span> <\/span><\/span>\u0648\u064e\u0647\u064f\u0648\u064e<\/span><\/span> <\/span><\/span>\u0631\u0650\u0628\u064b\u0627<\/span><\/span> <\/span><\/span>\u0648\u064e\u0625\u0650\u0644\u0651\u064e\u0627<\/span><\/span> <\/span><\/span>\u0641\u064e\u0644\u064e\u0627<\/span><\/span> <\/span><\/span>\u0628\u064e\u0623\u0652\u0633\u064e<\/span><\/span> <\/span><\/span>\u0628\u0650\u0647\u0650<\/span><\/span> <\/span><\/span>\u0627\u0647\u0640<\/span><\/span>.<\/span><\/span> (<\/span><\/span>Radd<\/span><\/span> al-<\/span><\/span>Muhtaar<\/span><\/span>, vol. 5, pg. 166, <\/span><\/span>Darul<\/span><\/span> <\/span><\/span>Fikr<\/span><\/span> Beirut)<\/span><\/span><\/span><\/span> <\/span>\n\t\t<\/p>\n

\n\t\t\t \n\t\t<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Fatwa ID: 03527 Answered by: Maulana Mohammed Kamran Abid   Question    Salam. Is it halal if I ask someone for a loan and offer…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[137,186,187],"_links":{"self":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/14247"}],"collection":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=14247"}],"version-history":[{"count":3,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/14247\/revisions"}],"predecessor-version":[{"id":14277,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/14247\/revisions\/14277"}],"wp:attachment":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=14247"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=14247"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=14247"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}