Dua for the fulfilment of debts

Bahishti Zewar, Duas, Fiqh, Part 5-Principles of Business

Hadith One: A mukâtab came to ‘Alî radiyallâhu ‘anhu and said: “I have become incapable of paying for my freedom. Please help me.” He replied: “I will show you a du‘â which Rasûlullâh sallallâhu ‘alayhi wa sallam taught me. Even if you have debts equal to mount Thubayr, Allah will fulfil your debts for you. The du‘â is:

Allâhummakfini bihalalika an harâmika wa aghnini bifadlika amman siwâk.

“O Allah (SWT), suffice me with lawful livelihood adequate to my needs instead of ill-gotten livelihood, and graciously grant me freedom from needing anything from anyone besides Yourself.” (Tirmidhi)

December 2, 2010

The detestation of taking credit unnecessarily

Bahishti Zewar, Fiqh, Part 5-Principles of Business

Hadith One: Abû Sa‘îd radiyallâhu ‘anhu narrates that he heard Rasûlullâh sallallâhu ‘alayhi wa sallamsaying: “I seek refuge in Allah from kufr and debts.” A person asked: “O Rasulullah! Do you regard kufr and debts to be equal that you are mentioning them together?” He replied: “Yes.”

Hadith Two: ‘Abdullah bin ‘Umar radiyallâhu ‘anhu narrates that Rasûlullâh sallallâhu ‘alayhi wa sallam said: “Debts is the flag of Allah on earth. When He wishes to disgrace anyone, He burdens him with the weight of debts.”

December 1, 2010

The pursuit of halâl wealth Part 2

Bahishti Zewar, Fiqh, Part 5-Principles of Business

Hadith Eleven: It is mentioned in a Hadîth that a person who purchases a garment for 10 dirhams and one dirham from it was harâm, Allah will not accept his salât as long as he is wearing that garment.

Although the person will absolve himself of this duty, he will not receive the full reward for his salât. Other acts could also be based on this. We should fear Allah in this regard. First of all, our acts of ‘ibâdah are not offered in the proper manner. And those that are offered go to waste in this way (by harâm wealth). What answer will we give to Allah on the day of judgement and how will we bear the severe punishment?

November 30, 2010

The pursuit of halâl wealth Part 1

Bahishti Zewar, Fiqh, Part 5-Principles of Business

Hadith One: It is mentioned in a Hadith that to earn halâl wealth is a fard after other farâ’id. In other words, it is fard to earn halâl wealth after other farâ’id which are the pillars of Islam, such as salât, fasting, etc. This means that although it is fard to earn halâl wealth, the status of this fard is less than that of the other farâ’id which form part of the pillars of Islam.

November 29, 2010


Bahishti Zewar, Fiqh, Part 5-Principles of Business

Partnerships are of two kinds:

(a) Shirkat-e-Imlâk: Examples: (1) A person passes away and there are several inheritors to his estate. (2) Two persons contributed an amount of money and purchased one item. (3) One person gave a gift to two persons.
The rule with regard to such a partnership is that no one has a right to do anything with the item without the permission of the other.

(b) Shirkat-e-‘Uqûd: Two persons made a mutual agreement that they will conduct a business together. The categories and rules of such a partnership are as follows:

November 28, 2010


Bahishti Zewar, Fiqh, Part 5-Principles of Business

1. If any intoxicant is thin and flows, whether it be alcohol, toddy (an intoxicating drink made from palm juice) or anything else, and by drinking a considerable amount of it one becomes intoxicated, then even a single drop of such an intoxicant will be harâm even if one does not become intoxicated with such a meagre amount.

Similarly, it is also not permissible to use it in any medicine irrespective of whether the medicine is in the form of a syrup or in the form of an ointment. And irrespective of whether the intoxicant remains in its original form or whether its form changes due to certain chemical reactions. From this we can gauge the impermissibility of modern medicines in which alcohol is found in most of them.

November 27, 2010

Muzâra‘ah – Temporary sharecropping contract

Bahishti Zewar, Fiqh, Part 5-Principles of Business

1. A person gave an empty piece of land to another person telling him: “You cultivate this land. Whatever you harvest will be divided between us according to a certain percentage.” This is known as muzâra’ah and is permissible.

2. A person cultivated a piece of land and said to another person: “You irrigate this land, tend to it and do whatever else is necessary. Whatever fruit is produced, irrespective of whether it is up to one-two years or 10-12 years, we will share it between ourselves either equally (i.e. 50% each) or by dividing it in thirds (or whatever the percentage may be).” This is known as musâqât and is also permissible.

November 26, 2010

Shuf’ah – The right of pre-emption

Bahishti Zewar, Fiqh, Part 5-Principles of Business

1. The moment a shafî’ gets the news of a sale and he does not verbally state that he will pre-empt, his right of pre emption will be invalid. It will not be permissible for him to make any claims later. Making a verbal statement immediately is so important that if a shafî’ receives a letter wherein it is mentioned at the beginning that a certain house has been sold and he does not make a verbal statement that he will exercise his right of pre-emption until he completes reading the entire letter, then in such a case his right of pre-emption will become invalid.

November 25, 2010

Rules concerning hair

Bahishti Zewar, Fiqh, Part 5-Principles of Business

1. It is sunnah to grow one’s hair on the entire head till the ear lobes or slightly below them. If a person wishes to shave his head, it is sunnah to shave the entire head. It is also permissible to merely clip the hair. However, it is not permissible to clip all the hair and leave the front portion long, as is the fashion today. Similarly, it is also not permissible to shave a portion and leave another portion long. From this we deduce that it is not permissible to sport the babri hairstyle (or to cut the hair in the shape of a cap or to shape the front part of the hair).

November 24, 2010

Wasîyyah or Bequests

Bahishti Zewar, Fiqh, Part 5-Principles of Business

1. A person’s saying that a certain amount of money or wealth will go to a certain person or for a certain cause after his death is known as wasîyyah. This is irrespective of whether he said this while he was enjoying good health or while he was ill, and irrespective of whether he passes away as a result of this sickness or he recovers from it. The rule with regard to the wealth which he gives with his own hands or forgives the debts that he is being owed is that if he gives this while he is enjoying good health or he recovers from the sickness in which he gave this, it is permissible for him to do this and this is valid. As for the sickness in which he passes away, this will be regarded as a wasîyyah – the rules regarding which will be mentioned later.

November 23, 2010