Category Archives: P. Financial issues

Path to Allah

Shaikh Mufti Mohammad Rafi’ Usmani (Allah preserve him) said,

‘I received a letter from a medical student regarding the fiqhi ruling of a dilemma he was facing.

He wrote that previously he had been a carefree youth, however, in medical college he met some individuals active in the work of Dawah & Tabligh. He benefited a lot from their company and became very active in the work himself. For the previous few years he participated in the taleem everyday, made the weekly gasht, spend the Friday night at the markaz, went out for 3 days each month and forty days a year meticulously. However, the schedule, curriculum and activities at the medical college were always an obstacle in doing all these works in the path of Allah. He had been using excuses to be absent from the college to do all these activities and his learning was being neglected. He wanted to know if it was permissible as per Shariah rulings to do so.

It was explained to him that lies and fraud are impermissible in Islamic Shariah.

It is to be understood that the working on a path to Allah in not restricted to the work of Dawah & Tabligh per se. The studying to adopt a profession with an intention to earn lawful income, sustain a family and help the needy in also working on a path to Allah.  With this intention your medical studies will also become an act of worship.

On admission to the medical college you made a contract that you will abide by the rules and regulations of the institute. They included that sufficient attendance to learning activities is essential.  This contract is morally and legally (as per Shariah) binding. Breaching it will be sinful. The lies and deception to do so will further increase the severity of sin.

Moreover, without thorough knowledge, supervised training and extensive practice of medical sciences it will be impermissible for you to treat patients. It will be tantamount to playing with an individual’s life.

(Addressing the audience Mufti sahib added:)

We must not restrict Deen to certain activities according to our perceptions.

Also, it must be clear that I am not against the movement of Dawah & Tabligh. None can depreciate the significant work being done by this movement worldwide.

It is necessary that we have clear understanding: How to practice and implement the Deen in our life?

The pious expert tell us that the most effective way of doing this is to have a islahi relationship with a pious Shaikh. One has to consult him for all his religious issues, ask for guidance and supplications and do what he prescribes. Only then true Deen comes into one’s life. ‘

Qari Rafeeq’s residence, Safa distt, Jeddah, bayan after maghrib, 20th January 2012

Islam is not a religion!

Shaikh Mufti Mohammad Rafi’ Usmani (Allah preserve him) said,

‘It must be explicitly clear that Islam is not merely a religion.

This is especially so as the religion is defined as a collection of cultural systems, belief systems, and worldviews that establishes symbols that relate humanity to spirituality and, sometimes, to moral values.

Islam is a Dīn.  That is, religion PLUS a complete way of life. It provides guidance for each and every aspect of human life.

The Holy Quran and the blessed sayings of the Prophet (Allah bless him and grant him peace)  repeatedly mention that Islam is a Dīn and not merely a religion (madhab).

‘Today, I have perfected your Dīn (religion and a way of life) for you, and have completed My blessing upon you, and chosen Islam as Dīn (religion and a way of life) for you.[5:3]

‘Whoever seeks a Dīn (religion and a way of life) other than Islam, it will never be accepted from him, and he, in the Hereafter, will be among the losers. [3:85]

Struggle for (seeking the pleasure of) Allah, a struggle that is owed to Him. He has chosen you and did not impose any hardship on you in the Dīn, the  faith (religion and a way) of life of your father Ibrāhīm. He (Allah) named you as Muslims earlier and also in this (Qur’ān), so that the Messenger becomes a witness to you, and you become witnesses to (other) people. So establish Salāh, pay Zakāh and hold fast to Allah. He is your patron. So, how excellent He is as a patron, and how excellent as a supporter![22:78]

Dīn is the exact correlate of Shari’a.

Therefore we as a Muslim have to live a life following the ways prescribed by Shari’a.

Shari’a rulings have been categorized in five subsections,

1. The article of belief (‘aqaid),

2. The methods of worship (‘ibadaat),

3. The social dealings (ma’asherat),

4. The financial & business dealings (ma’amlaat) and

5. The moral values (‘ikhlaqiyat, including siyasah).

To be a true Muslim we have to follow all these rulings in our life.’

Qari Rafeeq’s residence, Safa distt, Jeddah, bayan after maghrib, 20th January 2012

Genorosity in Ramadan

The Prophet (Allah’s blessings and peace be upon him) was the most generous person, and he used to become more so (generous) particularly in the month of ramadan because Gabriel used to meet him every night of the month of ramadan till it elapsed. Allah’s Apostle used to recite the Qur’an for him. When Gabriel met him, he used to become more generous than the fast wind in doing good.

Bukhari, 006.061.519

Be careful with loans

Financial dealings are the real test of one’s awareness of Allah (taqwa).

The corrupt financial dealings and bad attitudes of a murid in addition to being major sin for himself lead to negative reputation of the Shaikh and Tasawwuf in public.

It is essential to educate the disciples regarding these issues. It is impossible to step on the pristine grounds of Allah’s pleasure and approval while being soiled in sins.

Taking loan is highly discouraged. However, if due to necessity loan has to be taken then one should keep an intention of paying it back as soon as possible and work for it deligently.

The following Prophetic tradition should be an eye-opener for all of us.

Sayedna Abu Hurairah (Allah be pleased with him) narrates from the Beloved Prophet (Allah’s blessing and peace be upon him),

‘The Prophet (Allah’s blessing and peace be upon him) said, ‘An individual who takes from the wealth of another (as a loan) and his intention is to repay it then Allah will (facilitate & make arrangements for its) recompense for this individual. However, if an individual takes the wealth (loan) with the intention of not returning then Allah will destroy him.’

Bukhari, Ibne Majah

Jamae ul Huqooq, page 9

Setting priorities


The initial instruction given to the seekers by the khalifa of Hakim al-Umma Shaikh Mawlana Shah Asadullah (Allah have mercy on them) have been published in ‘Asa’ad ut-Talibeen’.  

They include;

Completion of qaza salah and fasts, performance of the fardh Hajj and emphasis on payment of zakah.

Moreover, abstaining completely from back-biting (ghiba), foul language, loose talking and purposeless interminlgling with others.

Reading the books of Hakim al-Umma Mawlana Ashraf Ali Thanawi (Allah have mercy on him).

Performing each salah meticluously in first row with the opening takbir along the Imam’s.

The following issues were especially instructed,

1. Keep the dealings (with others) very clear.

2. Do not cause any discomfort and harm to others

3. Do not interfere in the matters of others unnecessarily.

4. Take account of yourself (nafs) daily. Be thankful for the good deeds and repent on the mistakes.

5. Never ever be satisifed with yourself (nafs). Always watch over your outward and inner actions.

6. Follow the instructions given and the ma’amolaat.

7. Keep (the Shaikh) updated about your state and condition.’

Akse-Jameel ra, page 201-2

Giving charity

Shaikh Ahmad Kabir al-Rifa’i (Allah have mercy on him) said,

‘Giving money in charity is superior to physical worship and other supererogatory acts of devotion.’

Hakim al-Umma Shaikh Ashraf Ali Thanawi (Allah have mercy on him) commented that this superiority is because charity benefits many individuals (whereas physical worship is beneficial to the doer alone) and also giving money is vexatious for nafs.

Aqwal e Sufiya, page 83

Checklist: Am I progressing in my Deen?

‘Join XYZ-Jamat or PQRS-Tariqa!’

A common advice we all often get. Directly or indirectly by our well-wishers. Most of us are offended and become defensive. We retaliate with our own suggestions. A few become confused. A smaller number becomes disillusioned by these rivalries and schisms.  May Allah save us all from these disasters. Amin!

The sincerity of these well-wishers can not be questioned at all.

However, it should be a wake up alarm to us. Following questions must pop-up in our mind. Why did this person suggest this to me in particular? Am I following  correctly and progressing in my religious effort? Or there is something that made this person feel that I need to improve?

Thinking on these lines this lowly writer came up with a random quick checklist for myself. InshaAllah, it will be beneficial for others.

The Checklist:

I need to have explicit answers to the following statements from the time I joined this specific group, jamat, tariqa or started on my own to be more religious ,

1. I thoroughly studied the fiqh of everyday worship and apply it meticulously.

2. Made record of my missed salah, fasts, zikah, hajj and financial dues. I am trying to compensate for them.

3. I have improved my tajweed.

4. My actions on Sunna has increased. That is, appearance, manners, actions and supplications for different occasions like waking up, eating, sleeping, wearing clothes, etc.

5. My salah is more organized, on time, in congregation (if masjid is close by) with better concentration.

6. I deal with humility when interacting with my family members (especially parents and spouse) and others.

7. I can better control my anger.

8. My school/college/work performance has increased or at least not deteriorated.

9. My involvement in useless (TV, Internet, news, magazines, novels, etc.) has decreased substantially.

10. I am worried about causing discomfort and harm to others and try my best to avoid it.

11. The sins I used to commit previously have decreased substantially in frequency and intensity.

12. My day is better organized with time allocations for recitation of Holy Quran, dhikr and religious reading.

13. I do not look down upon fellow Muslims.

If answers to most (>11) of the above questions is affirmative then we need to be thankful to Allah and continue on our path to perform even better.

However, if this is not the case then there are two possibilities.

Firstly, either we are not following the teachings of that group, jamat or tariqa correctly.

Or if we are doing all the things as per instruction then that group, jamat or tariqa is invalid. At least this is true for us, maybe secondary to our circumstances and environment. It is only in this case that we need to pay heed to the advice of that well-wisher and look into the XYZ & PQRS option.

Sayyidi wa sanadi Shaykh Mawlana Mohammad Taqi Usmani (may Allah preserve him) said,

‘In a Prophetic tradition (hadith) it is narrated that; the person whose two days are the same is in big loss.

This means that his today was spent in the same manner as yesterday and no progress occurred.

That is,  progress in being more religious, in spiritual evolution, increase in worship and improvement in obedience, following of Sunna and abundance in Allah’s remembrance.’

What to ask Shaykh?

Hakim al-Umma Mawlana Ashraf Ali Thanawi (Allah have mercy on him) said,

‘One should keep the Shaykh constantly informed about his spiritual diseases & states and follow whatever he recommends. Just continue with these two things for your whole life.

Inform Shaykh explicitly about your condition. People hide their ailments from the Shaykh. How is it possible that without telling the he will be informed of your condition?

Even if you intend initiating a new worldly endeavor ask the Shaykh would it be detrimental for your spirituality. For example, I intend doing this trade, is it appropriate for me to indulge in it. However, this should not be with the intention that by doing so the trade will be profitable. As though the Shaykh will consult Allah and confirm the success. This should not be the intention at all. This is an extremely corrupt intention.

The method should be like this; I intend to do this business, or I want to be transfered to such a position or I want to study English or medicine would it be detrimental for my spirituality.

These are the things to be asked from the Shaykh.

Nowadays people do whatever they desire. They do not inform the Shaykh. Hence, they corrupt their spirituality. They make excuse that these are worldly issue and it is not essential to inform the Shaykh about them. Whereas in reality these things have major effect on one’s spirituality.

Therefore, whenever you intend to initiate a new worldly endeavor inform the Shaykh in advance and get his advice regrading it.’

Waaz Rahat al-Quloob, page 263-4

The Rights of fellow humans!

Shaykh Mufti Ashiq Illahi Bulandshahri mohajir Madani (Allah have mercy on him) said,

‘The issue of the rights of the fellow human beings (huqooq al-‘ibad) is of great enormity.  Commonly people are negligent about them. For them religiosity is limited to salah, (long) shirt and beard.

Shaykh Sufyan Thawri (Allah have mercy on him) used to say,

‘If an individual comes on the day of Judgment with seventy disobediences of Allah it is lighter sin than arriving there with a single obligation pending for a fellow human being.’

This is because Allah is self-sufficient (as-Samad) one can expect forgiveness from Him, whereas humans are needy. Therefore, it is essential to be vigilant about these rights. It is of immense importance that one clears these dues before death. It is a stupid idea to expect forgiveness from fellow humans on that day (of Judgment). They will be in need there in a a very tight situation. They will be looking for minute gains and all will try to claim their pending dues in full.

The situation in distribution of inheritance (merath) is sinful for almost all religious individuals, self-proclaimed pirs, scholars, and  lay public. The wealth (and property) of the deceased person is not distributed as per the Shariah rulings among the inheritors. The share of the widow and orphans is engulfed by others.’

Yadgar e Saliheen, Halaat e zindagi, page 104-5

Paying financial dues: A priority!


Sayyidi wa sanadi Mawlana Mohammad Taqi Usmani (Allah preserve him) instructs those approaching him for reformation (islah), 

‘If there are pending financial obligations prompt arrangement must be made to pay these  dues.

If the payment is not possible immediately then one should inform the owner and request for a grace period.

Then one should really strive meticulously to repay. This must be considered the topmost priority.’

Dastur al-amal baraay talibeen e islah, page 5-6



Commenting on verse 29 of surah al-Hud (And, O my people, I do not demand from you any wealth for it) Hakim al-Umma Mawlana Ashraf Ali Thanawi (Allah have mercy on him) said:

Spiritual leaders (Shuyukh) should adopt the same demeanor.

Seeking monetary gain is one of the strongest impediments in imparting religious instructions. In my opinion, it is grossly inappropriate for the Shuyukh to raise charitable funds by asking for donations.

(In general) intelligence is scarce (among people). Stinginess and greed overwhelms (most individuals). They become distrustful (of the individual raising funds) of love of the worldly (hubb-e-duniya) by slightest suspicion. And (it must be remembered that) Allah is the sponsor of (all) charities (in reality). They are not dependent on our appeals of donation and fund raising.”

Masail e sulook min Kalam Malik ul mulook, page 259, Idara-e-Islamiyat, Lahore

Concern for others


An individual wrote:

Now the only source of misery at home is the condition of younger brother.  It is the same as it was previously.  I pray for him daily, asking Allah that he gives up the habit of lying and embezzlement. These two problems are usually the cause of most of the suffering.  He is destroying both, his religion and worldly life. I request you to pray (make dua) for him and advice any practical solution to achieve this.

Hakim al-UmmatMawlana Ashraf Ali Thanawi(Allah have mercy on him)  replied:

‘I have no hesitation in making dua for him.

However, as far as the request for practical solution is concerned, for inept like us it is best to be concerned with our self rather than for others.

That is,
“فکر خود کن، فکر بیگانہ مکن “
(Be worried about yourself; do not be anxious regarding others’ condition.)

Moreover, there comes a time when even for the best and perfect individuals (kamileen) it is advisable:

عليكم انفسكم لا يضركم من ضل اذا اهتديتم

And that happens when even after substantial efforts other do not pay heed.”

Tarbiyatus Salik, volume 3 page 190