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HAUSA RAMADAN TAFSEER · قناة الدعوة الإسلامية Islamic Teachings Gh

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  Wasayati malina Maya Hadihilla Hofala Modilla Wama youth, Lil
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  Falaha dialla Allah illah Illallahu Dahula sharika Anna
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  Muhammad and Abu Dhua Rasulu. Yeah, you haladina Amano Tapola
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  hakata kati walata motuna illa unto Muslim moon.
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  Yeah Johanna sotaku Baku moladi khala kako menasse wahida wahala
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  kamenha zoja wabasa min Huma regal and kafir and wanisa what
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  Allah haladi tasa anu nabihi well arhama in Allah hakana
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  alaikum rakiba Yeah you haladina amenu takula hawakulu colon
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  sadida you select lakum malakum venu bakum yuti Allah hawara
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  Sulu for kadifas foes and adima amabat Alberta insha Allah na
• 1:28
  anor Abuja dental serum or anime germa.
• 1:47
  Yeah, the. Current qurani de de, the first
• 2:10
  the current I. And Al Haidi Adui.
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  Allah, Allah. What in the security?
• 2:54
  Kidnappers. Terrorist.
• 3:52
  I. Babu, Adini and Nigeria's.
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  You can see.
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  Mesuna. Malang Omar.
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  Adam, Canadian Alarm. Sunusi.
• 5:33
  Adamu Daga. Bochi, Karan Tarwa, Makaran
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  Tata. Malan junedo Abubakar Allah
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  Allah. Was a.
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  Baji Adini. Kuma's.
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  We. So then you push in now.
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  I. Number Review the tender There
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  is a little adina you Luna minisa him Tara buso Arabati.
• 8:33
  Ashraf Infa in the Laha Zafur Rahim Kamede.
• 8:37
  Ke Batara Ayati reviewed the Shedda wato ila abunda so there
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  were mala. Mason, Kacheva.
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  Abunda akeba mutton hanzari nacheva amasa uziri Edena.
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  De la rura. Koda bogata.
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  The 1st. I.
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  Time. I.
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  Bailal Mari Wazaji. Soon.
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  The. Please.
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  Engineer read this to Madam so that he can answer this question
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  as many Muslims here in the US have been waiting for this
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  answer. Madam answers a similar question
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  but there is a trip to this Madam, please.
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  As a Muslim living in the United States and wants to buy a house,
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  can I go with a bank that does not charge interest but increase
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  the price of the whole house from its original price for
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  whole calculation? I realized the implementment by
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  the bank is the same amount I would have paid over time as
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  interest in disguise, so it wouldn't accept our vesting and.
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  Answer our prayers. Firstly, the.
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  Question is not complete. In the question he failed to
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  mention that the second bank whether it is an Islamic bank or
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  on Islamic bank. This needs to be clarified
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  whether it is non interest bank or it is interest based bank and
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  this part is very essential to understand clearly.
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  However, we can make an assumption that the second
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  option they have at their disposal where they allow them
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  to buy the property or they buy on their behalf without any
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  additional cost. So we can make an assumption
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  that if this is a non interest bank or Islamic bank then we can
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  say this type of a transaction is called almorabaha.
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  Almorabaha is an Islamic financial system that allows an
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  institution to buy a property like a bank and when they buy
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  the property they own it and later on you come and purchase
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  the property from them while they make an additional profit
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  on it. So in this regard it becomes
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  almorabaha according to the fatwa or the verdict of Islamic
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  fake. Council of.
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  Rabbi Little Alamin Islami, that is much more Fakhil Islami, in
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  their Qarar issue number six, the compilation of the verdict
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  volume #1 #453 they discussed a similar issue that if what you
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  have said is correct and it is under Islamic finance, then it
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  is morabaja and it is also permissible.
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  However, certain conditions are to be met before it becomes
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  permissible #1 The institution that is to sell the property to
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  you must have that property as as its disposal, that it owns
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  the property. You cannot sell what you don't
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  have. So firstly, they must own the
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  property. Secondly, it is permissible for
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  them to make a profit on it. There is no issue to it.
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  But that profit must be determined, must be specific.
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  It should not be a profit that is incremental over time.
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  It is a profit that you agreed on and it will not continue to
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  fluctuate or to increase over time #3 when you fail to meet
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  the deadline, there shouldn't be any penalty of additional cost
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  on it. If there is any penalty of
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  additional cost on it, then it becomes an interest.
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  So these are the conditions that are to be met.
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  If these conditions are met, then we can say that this
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  transaction is permissible and it is under Al Morabaha.
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  Al Morabaha is cost plus financing.
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  It is a model of an Islamic bank where it allows a bank to
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  purchase a property. The property is under their
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  custody. You come to the bank, you buy
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  the property, give them their own profit on it and you pay
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  overtime. This is permissible even if the
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  time frame is up to 10 or 20 or even 30 years for you to pay.
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  As long as the profit is static, then this is permissible.
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  And under Morabaha, when you fail to pay the property, the
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  only option is not to add additional cost on it but rather
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  the bank as part of its agreement can take back the
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  property and sell it and give you your own money.
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  But they cannot add additional profit or need as their own
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  penalty. That is not permissible.
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  So if these conditions are attained then by implication we
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  can say it is Almora Baha and it is permissible Islamically and
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  indeed Allah is the All Knowing and it is permissible in Bakara
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  Wahallahu baya, Waharama riba as in Suratul Bakara was 275.