Harms of Interest/Usury (L-346)
Before revelation of the verse that “Usury is unlawful and forbidden”, God had explained about the excellence of alms and charity, because gentleness arises in the matters of the poor due to giving alms and charity, and disgust is born against impoliteness. Many evils are removed, in addition feelings of morality, politeness, faithfulness, causing others to gain and passion to serve the mankind spring up. Therefore, their importance was described by unfolding them.
Now description concerning unlawfulness of the Usury begins. It is entirely opposite to the charity and alms. If the politeness increases due to charity, then cruelty increases due to Usury. Hence, the recitation of unlawfulness and forbidden state of Usury has come immediately after making mention about excellence of alms and charity, which is utmost suitable and opportune at its place.
It has been explained in this verse that on the Day of Resurrection, Usurers will not be able to stand upright at the time of getting up from their graves. Rather, they will suffer staggering with difficulty like insane and mad. We can see entirely same scene in this world. Moneylenders and bankers become lunatic by following the money. It seems that any demon or ghost has closed them by winding round. They think about the Usury every time.
God has mentioned the reason also about the people fallen into this condition on the Doomsday. They say, “Trade is just like Usury”, as financial profit is intent in trading, just as this financial gain also remains in view in the Usury/interest. While Trading is permitted then why the Usury is forbidden, whereas they do not know that morally and financially; the difference between Trade and Usury is so much as the difference between the sky and the earth. The moneylender gets fixed amount of Usury in every condition without fear of loss and doubt. Opposite to this; apprehension of both remains ‘profit or loss in Trading’, and the Merchant have to spend time, hardworking and brain etc. to save himself from the loss. Afterwards the Trade goes to an end or becomes short, but Usury increases along with delay and duration. Up to this stage, that usually, the Borrower reaches the condition of ruin and destruction.
If we consider for a while thoughtfully about the reality of Usury, then a question will arise, “Hindmost this retribution is of which thing? What is this ultimate except most ill looking of hanging-on? In view of this entire badness, God has forbidden the Usury/Interest for advisability and betterment of the humanity. In short, its evils are as under:
Hardheartedness arises in the Usurer. His greed increases. Due to wealth’s coming in hand without hardworking, indolence and laziness grows. Unevenness also comes due to spending the gratis wealth, and this wealth is wasted in luxuries. Habit of selfishness is born. Stinginess and reciprocal enmity runs over. Destruction and disgrace of indebted person exist beside also.
God commanded after excusing the people: The person who refrains after listening to the advice and order of determining the Usury as unlawful, his previous Usury will be forgiven. But the person who will not refrain, he will be burnt in the Fire of Hell for ever.
The people of the world changed the names of Usury. But, how its badness and results can be changed? We, the Muslims need special attention to see into this matter. Otherwise, Law of Islam will suffer a stain due to our behavior and we shall not be able to save ourselves from these badness.
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