Restriction upon usury/interest (L-455)
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يَٰٓأَيُّهَا ٱلَّذِينَ ءَامَنُوا۟ لَا تَأْكُلُوا۟ ٱلرِّبَوٰٓا۟ أَضْعَٰفًا مُّضَٰعَفَةًوَٱتَّقُوا۟ ٱللَّهَ لَعَلَّكُمْ تُفْلِحُونَ 130. |
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130. Yaaa-‘ayyu-hallaziina ‘aa-manuu laa
ta’-kulur-Ribaaa ‘az-‘aafam-muzaa-‘afah. Wat-taqUllaaha
la-‘allakum tuflihuun.
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130. O you who believe! Do not feed on usury, compounded
over and over, and fear God, so that you may prosper. |
During the recitation concerning the Battle of Badr and the Battle of ‘Uhud , now prohibition of the usury is being mentioned. Apparently, no relationship is visible between above both matters, but there are many causes of their connection. Two important reasons from them are being stated as under:
1. Due to devouring the usury, unkindness and cordial weakness increases, because:
a. Spirit of obedience and loyalty comes to an end due to taking unlawful earning greedily.
b. Avarice and misery arises in the human being due to devouring the usury.
2. According to a history, aim of one by one revelation of the verses about above-mentioned two matters (restriction on the Usury, and the Battles of Badr and ‘Uhud) is that, the frequent usury matters of Muslims were with the Jews at that time. Therefore, having no concern with them was very difficult, and during the incident of the Battle of ‘Uhud, the Jews and the Hypocrites had interfered intensely. So the Muslims were warned that they should stop borrowing and lending money on usury. Otherwise, relationships with these deceivers would remain established by violence due to the usury, which would become cause of loss in future.
‘Az-‘aafam-muzaa-‘afah – (doubling and quadrupling), it does not mean “Devour not usury, doubling and quadrupling on the sum lent, but a little”. The fact is that during the times of ignorance, usury was devoured just like nowadays the moneylenders, banks and commercial organizations get interest upon their capital, that is to say; they lend one hundred $ and that is increased doubling and quadrupling (due to compound interest). It is the characteristic of the Usury that the people, who are poor, they become poorer to poorest and who are rich, they become richer and richest. This doubling and quadrupling of usury has been pointed out in this verse.
A usurer, who gets unlawful benefit from the poor and indigent people due to their weakness, he does not bear any kind of labor but takes greedily earning of his lent money. Likewise, at first his own body’s parts become disabling. On the other side, he becomes cause to do inefficacious the labor of borrower. Labor and hard working of the borrower becomes valueless. He hands over/surrenders his earnings after hardships in the form of interest to the lender. Besides this, the helpless debtor/borrower falls into the disgrace financially, socially and morally. Moreover, the person who lends money; he becomes lover of ease, dull and lazy. The spirit to strive and struggle in the Way of God, to sacrifice and to sympathize with the creature of God goes to an end from his breast. He gets all sorts of comfort whereas other people work hard. Others earn and he enjoys. Poverty of the poor person increases. But; at the same time; wealth and lordship of rich people increase.
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