Al-Baqarah 2:273–286

There are two ways of spending one’s earnings in this world. One is to spend in ways shown by Satan. Another is to spend in ways shown by God. What Satan does is to impress on the minds of human beings the importance of personal requirements, and bring about conviction that all their earnings are best spent on personal comforts and luxuries.

The greatest way to spend money for the cause of God is to extend monetary help to those of God’s servants who have devoted themselves wholly to the cause of His religion, thus leaving themselves no time to earn for their personal needs. Just as a successful businessman has little free time for anything except his business, similarly one who serves the cause of religion full time has no time to work to make money for himself. Furthermore, each job shapes in a particular way the thinking of the person involved. One who involves himself in business develops the relevant skills, so that he is able to easily understand the complexities of commerce. But that same person will not be able to understand the nuances of religion’s cause. Similarly, a religious worker will not be able to successfully run a business, for he cannot concentrate on business matters due to his attention being diverted elsewhere. However, a society needs both kinds of activities. The solution to this problem is for those who possess monetary resources to arrange a share for those who, because of their religious commitments, are unable to provide for their own economic needs. This is like a tacit division of labour, which takes place between the two groups purely in order to earn God’s pleasure. The missionary, having devoted himself to God, does not ask anything from others, nor does he expect anything from them. On the other hand, those who are monetarily strong, knowing that they have amassed wealth through not devoting themselves to the cause of religion (which they should have done), think that they should, by way of compensation, give a share of their wealth to their brothers in faith. Spending for a peaceful religious struggle which brings no fame or laurels makes one all the more deserving of God’s blessings. For such spending is only to seek God’s pleasure.

The word ‘riba’ in the original is translated here as ‘usury’, which means the practice of lending money to people at unfairly high rates of interest.

Man has not been sent into this world to hoard wealth. All the good things of this life are meant for the next world. Man has been sent into this world so that it may be judged whether or not he has developed those qualities that would qualify him to inherit the world of Paradise in the Hereafter. Those adjudged fit to dwell in Paradise will be separated from the unfit, and the latter will be consigned to hell. Practicing charity (sadaqah) means giving one’s wealth to the needy for the sake of God, while engaging in usury means giving one’s wealth in order to exploit others. Sadaqah is an indication of the fact that man wants to see the massive array of God’s blessings in the next world, whereas usury is indicative of the fact that he wants to amass fortunes in this world itself. The alms-giver and the usurer are two different types of individuals. It is not possible that they will both have the same fate in the Hereafter. Only those find the world who have worked hard for it; similarly, only those will find the Hereafter who have sacrificed their wealth in order to receive God’s blessings in the Hereafter.

The basic principle of the reformation of a society is for its members to treat each other with justice. There should be neither oppressor nor oppressed. Usury is a form of open economic oppression, that is why Islam has held it unlawful. Business based on the principle of usury, if engaged in under Islamic rule, is deemed to be a criminal offence. However, just as a usurer is not allowed to make anyone the target of his economic oppression, others should also refrain from subjecting him to their oppression. An offender in one field is not deprived of his rights in other fields. Any action taken against any usurer may consist only of withholding the interest due to him. His capital should be returned to him. While giving general commands, Islam makes full concessions to human weaknesses. That is why we have been commanded that if a debtor has fallen upon hard times, he must be granted respite till he is able to repay his debt. We have also been enjoined that if the debtor is insolvent, we should have the courage to write off his debt as charity. One who is forbearing shall deserve a reward from God. This is beneficial in this world too. An atmosphere of mutual compassion, sympathy and well-wishing is produced which is good for all members of society.

However, the imposition of law alone is not a guarantee of social reforms. For a real reform it is essential that the spirit of God-fearing (taqwa) prevails in society. That is why, while giving legal commands, the Quran places faith, taqwa and the Hereafter in the foreground. Even a secular system will run successfully only when its citizens possess the necessary national character. Similarly, the Islamic system is truly brought into being when a considerable number of its members possess the spirit of taqwa. National character, or taqwa is, in fact, another name for the willingness of the individuals to uphold the desired system. If we do not find public acceptance of a system to a certain degree, it cannot be imposed by the power of law alone. Furthermore, according to Islam, what is actually most desirable is the reform of the individual. Society is not the target of reform according to Islam. The reform of society is only a by-product. The Quran calls to faith, to taqwa, to genuine concern for the Hereafter. This call is realized in the individual and not in a social system. That is why the actual addressee of the Quranic call is the individual. The reform of society is in actual fact a social manifestation of the reform of a number of individuals.

Where there is a cash transaction between two parties, the matter ends there itself. But contracting a debt is a different matter. In such a case, if the transaction is purely verbal, there is a possibility of differences arising due to the absence of written proof. Either party will present the matter according to his own perceptions, for there is no clear or absolute basis on which a proper decision may be arrived at. As a result, differences and complaints arise between the two parties at the time of payment. The only solution is to write down the particulars of the loan and then have witnesses testify to it. If any differences arise, this document would become the basis for a final decision. For a believer this would be a strategic safeguard based on taqwa and justice. In abiding by the written conditions and making a proper payment of dues, he acquits himself before the people and before God. Believers are witnesses of God’s religion. Just as they are not allowed to knowingly hide anything from God, they should similarly never conceal any evidence they may possess. Concealing evidence is to nurture a criminal mentality and to shirk the role they can play in making just decisions. Man’s conscience demands that the truth should be acknowledged and untruth should be proclaimed to be such. In matters of justice, one who withholds evidence for the sake of prestige or some other worldly considerations, is like a criminal who becomes a witness to his own crime.

Everything in the universe is under God’s command. Right from dust particles to the stars, all are bound by God’s decreed plan. They must follow the path set for them by God. Man alone is the creature who finds that he may choose different paths of his own free will. But man does not possess freedom in an absolute sense: if he has freedom, it is so that he may be put to the test. Man has also to submit to the will of God like the rest of the universe. The life of restraint that the rest of the universe is obliged to follow must be followed voluntarily by man. He should not be deceived by the appearance of there being no one before or behind him. The truth of the matter is that at all times man is watched over by the Lord of the universe. He watches each and every thing, whether great or small, whether within him or without.

Who is that man who measures up to the standards of the Almighty? He is one who is a man of faith, who submits and obeys. Faith means a conscious surrender to God, while obedience means practical surrender. For this to become a reality, man must enshrine God within himself as his Creator and Sustainer. He must be one to discover the reality that the system of the universe is not soulless or mechanical. Rather it is a live system, which is run by God’s devoted workers. He must be one to recognize those servants of God chosen by Him to communicate this message to mankind. The Book revealed by God for the guidance of mankind must be accepted by him and become a part of his thoughts in the real sense. When faith in God, His angels, His Books and His messengers is firmly rooted in his heart and mind, he wholeheartedly surrenders himself to treading the path shown by God. This faith and obedience should not be a matter of rituals or just an outward show. Rather, faith and obedience should be so inseparable from his soul that he starts to remember God at all times, and his whole life becomes entirely dependent on God.