In the name of Allah Most Gracious and Most Merciful
Translation of Khutba : Masjid Otsuka: Friday, June 22 2018
All praise is due to Allah Who sent down the Qur’an with which He guided us to the straight path. I bear witness that there is none worthy of worship except Allah, having no partners, and Muhammad is His servant and Messenger.
Dear believers! Allah, the Most Exalted, has created man and honoured him, and provided him with all requirements to earn his livelihood. For this purpose He has urged him to travel far and wide and try all the possible legal means. Allah says in the Qur’an in Surah Al Mulk:
“It is He who made the earth tame for you – so walk among its slopes and eat of His provision – and to Him is the resurrection.” (S. V.15)
The permissible earnings should be pure and gained lawfully. Their sources should neither be suspicious nor disputed, for Allah The Almighty says in the Qur’an in Surah Annahl:
“Then eat of what Allah has provided for you [which is] lawful and good. …” (S.16 V.114)
And Allah, The Most Provident, has shown the legal ways for earning money, He has also explained how to better spend it without wasting it. Thus He called on people to be moderate, when He says in the Qur’an in Surah Israa:
“And do not make your hand [as] chained to your neck or extend it completely and [thereby] become blamed and insolvent.” (S.17 V.29)
That is, they should neither scatter their wealth, nor withhold from spending.In this sense, the miser will be blamed for his stinginess and the wasteful for his over-spending.To avoid this end, Muslims are requested to spend according to priorities, and put necessities first then luxuries. They should not also throw away their wealth in trivial recreations or in the pursuit of extravagancies at the expense of the basic needs of their families.
The Prophet Muhammad SAW said, “It is sufficient as a sin upon a man that he does not take responsibility over those he is responsible for.” A man who indulges himself in luxuries that are endless and beyond his means will end up borrowing from the bank to cover what he has bought. This way he burdens himself with heavy loans, which he could have done without them.Moreover some people borrow money although they know they cannot pay it back. Others do so while they are careless about repaying their debt. The Prophet Muhammad SAW warns us against this, saying, “Whoever takes the money of the people with the intention of repaying it, Allah will repay it on his behalf, and whoever takes it in order to damage it, then Allah will waste him.” Among the reasons that may cause someone to seek borrowing is imitating others and competing with them in spending and showing off material acquisitions. The Prophet Muhamamd SAW instructed this kind of people to look at the situation of others who are less fortunate. He SAW also advised them not to vie those who are more well-off so for them not to ridicule the divine blessings and see their determination dwindles. The Prophet Muhamamd SAW said, “Look at those who are lower than you and do not look at those who are above you, for, it is worthier that you do not belittle the blessing of Allah upon you.”
Dear believers! Please know that excess in borrowing without an urgent need may lead the indebted person to desperately begging for money, which the Prophet Muhamamd SAW warned against it when he said, “Begging is not lawful for the rich nor for the physically fit.” There are also some people who dare to take advantage of others’ generosity for no apparent necessity, except for exploiting them. These will face such a fate as described in this Hadith: “When a man is always begging from people, he would meet Allah (in a state) that there would be no flesh on his face.” For this reason, the Prophet Muhamamd SAW used to teach his companions the values of contentment, self-esteem and avoidance of begging from people. The latter is deemed destructive to one’s own pride. Hakim bin Hizam (may Allah be pleased with him) said, “I begged the Messenger of Allah SAW and he gave me; I begged him SAW again and he gave me. I begged him SAW again and he gave me and said, ‘O Hakim, wealth is pleasant and sweet. He who acquires it with self-contentment, it becomes a source of blessing for him; but it is not blessed for him who seeks it out of greed. He is like one who goes on eating but his hunger is not satisfied. The upper hand is better than the lower one.’ I said to him SAW, ‘O Messenger of Allah, by Him Who sent you with the Truth I will not, after you, ask anyone for anything till I leave this world.’” So Abu Bakr (may Allah be pleased with him) would summon Hakim to give his rations, but he would refuse. Then Umar would call him but he would decline to accept anything. So Umar said addressing Muslims, “O Muslims, I ask you to bear testimony that I offer Hakim his share of the booty that Allah has assigned for him but he refuses my offer.” Thus Hakim did not accept anything from anyone after the death of Messenger of Allah SAW, till he died.Muslims have to be satisfied and grateful to Allah for what He has provided them with. As a reward, they will be happier by avoiding borrowing and begging of people. On this matter, the Prophet Muhamamd SAW said, “The successful one he who has entered the fold of Islam and is provided with sustenance which is sufficient for his needs, and Allah makes him content with what He has bestowed upon him.”
Dear Muslims! Fear Allah and please be aware that a debt is a worry by night and a humiliation by day. It causes distress and distracts thoughts. That is why the Prophet Muhamamd SAW sought refuge with Allah, The Most Exalted, from it. Aisha (may Allah be pleased with her) that the Prophet SAW used to invoke Allah in the prayer saying, “I seek refuge in You from sin and debt.” And somebody said to the Prophet SAW “Why do you so frequently seek refuge with Allah from being in debt?” The Prophet SAW replied, “A person in debt tells lies whenever he speaks, and breaks promises whenever he makes them.” This Hadith highlights the serious consequences of debt, which can be tolerated only for extreme necessity. And if someone borrows money to meet a need, he should, however, observe some ethics. He should, for example, be sincere and determined to pay it back. He should also be committed to repaying it in due time, as the Prophet Muhammad SAW said, “The best of men is he who repays his debt in the best manner.” Additionally, a Muslim should avoid delaying the repayment of his debt or being indifferent to it. Transgressing these rules will downgrade one’s faith and consequently lead to him doing wrong. The Prophet Muhammad SAW said, “Procrastination by the rich (in repaying debts) is injustice to someone.”
May the peace and the blessings of Allah be upon prophet Muhammad SAW, his family and all of his Companions. May Allah be pleased with the Rightly Guided Caliphs: Abu Bakr, Umar, Uthman and Ali, and all those who will follow them in righteousness until the Day of Judgment.
O Allah! Accept our prayers and all our ibada.
O Allah! Guide us to the right path and make us of those on whom You bestows Your mercy.
O Allah! Accept all of our good deeds and forgive us for our sins.
O Allah! Please Bless us for our Dawah work here in Japan.
O Allah! Give shifa to all those who are sick.
O Allah! Grant safety and security to everyone here in Japan as well as all over the world. Aamin ya Rabbil Aalamin.