{Yeh article ‘Debt is a very serious matter, indeed’ (by Asma bin Shameem) asal mein English zaban mein faraham tha, maine isko bhut faidemand paya, iss liye isko Roman Urdu mein tarjuma kiya. Ummeed hai aap isse faida uthayenge.}
Bohat se log qarz lene ko bohat halka samajhte hain aur qarz le lete hain, kisi zaroorat ke liye nahi, balke sirf doosron ke saath muqabla karne ke liye – baday ghar, tez raftar gadiyan, zyada furniture ya kapde ya duniya ki aur aarzi aasaishein hasil karne ke liye.
Lekin qarz lena aur qarz-daar hona aik BOHAT SANGEEN (bohut serious) masla hai.
Islam qarz ke maamle ko bohat serious samajhta hai aur isse bachne ki takeed karta hai aur Musalman ko jahan tak mumkin ho qarz se bachne ki hidayat deta hai.
Aur main “sood par” (Interest wala) qarz lene ki baat nahi kar rahi- wo to yaqeenan haraam hai.
Main jis qarz ki baat kar rahi hon wo BINA SOOD ke qarz hai, jisme Riba (sood, baddi, interest, byaaj) shamil nahi hai;
Wo qarz jo Islam mein ‘jaiz to hai’, magar ‘na-pasandida’ hai. Phir bhi, hum ise isi nazar se nahi dekhte.
๐บ1) Nabi (Salallahu Alaihi Wa Sallam) qarz se Allah ki panah mangte the.
Nabi (Sal Allaahu Alaiyhi wa Sallam) apni dua mein kehte the:
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“Allaahumma inni a’oodhi bika min al-ma’tham wa’l-maghram”
“Ae Allah, main gunah aur bhaari qarz se teri panah mangta hun.”
Kisi ne unse kaha: “Aap kitni baar bhari qarz se panah mangte hain!” (Yani aap aisa kyu karte hain?)
Nabi (Salallahu Alaihi Wa Sallam) ne farmaya: “Jab koi shakhs qarz-daar hota hai, to wo jhoot bolta hai, aur wada karta hai aur tod deta hai.”
(Al-Bukhari aur Muslim)
๐บ 2) Qarz-daar jannat mein nahi jayega jab tak qarz ada na kar le!
Muhammad ibn Jahsh (radi Allahu anhu) ne farmaya: “Hum Rasulullah (Salallahu Alaihi Wa Sallam) ke saath baithe thay jab unhone apna sar aasman ki taraf uthaya, phir apni hateli apni peshani par rakhi aur farmaya: “Subhaan-Allah! Kitni sakht baat mujh par nazil hui hai!” Hum khamosh ho gaye aur dar gaye. Agle din maine poocha: “Ae Allah ke Rasool, ye konsi sakht baat nazil hui thi?”
Unhone farmaya: “Us zaat ki qasam jiske haath mein meri jaan hai, agar koi shakhs Allah ki raah mein qatal kiya jaye, phir zinda kiya jaye, phir qatal kiya jaye aur phir zinda kiya jaye, phir qatal kiya jaye, aur us par qarz ho, to wo jannat mein nahi jayega jab tak ke uska qarz ada na ho jaye.” (An-Nasai – Shaikh Al-Albani ne is riwayat ko Hasan kaha.)
๐บ 3) Nabi (Salallahu Alaihi Wa Sallam) ne uski janaza ki namaz nahi padhi!
Nabi (Salallahu Alaihi Wa Sallam) ne us shakhs ki janazay ki namaz nahi padhai jo teen dinar ka qarz-daar tha, yahan tak ke Abu Qatadah (radi Allahu anhu) ne kaha: “Ae Allah ke Rasool! Uski janazay ki namaz padhiye, main uska qarz ada karunga.” Tab unhone namaz padhai.
(Al-Bukhari)
๐บ 4) Qarz se azaadi jannat mein daakhil hone ko AASAN banati hai.
Nabi (Salallahu Alaihi Wa Sallam) ne farmaya: “Jo teen cheezon se azad reh kar marta hai – takabbur, dhoka aur qarz – wo jannat mein jayega.”
(At-Tirmidhi (1572); Al-Albani ne is riwayat ko Saheeh qarar diya.)
๐บ 5) Qarz-daar ki rooh muallaq (ruki huwi, ya latki huwi) rehti hai!
Nabi (Salallahu Alaihi Wa Sallam) ne farmaya: “Tumhara saathi apne qarz ki wajah se roka gaya hai.” (Abu Dawood – Al-Albani ne is riwayat ko Hasan qarar diya.)
Aur unhone farmaya: “Momin ki rooh uske qarz ki wajah se uski qabr mein girwi (arrested) rakhi jati hai jab tak wo ada na ho jaye.”
(At-Tirmidhi – Al-Albani ne is riwayat ko Saheeh qarar diya.)
๐ Is hadees ki Sharah (explanation) mein As-Suyooti ne kaha: “Wo (rooh) roki jati hai aur uske izzat walay maqaam tak pohanchne se usko roki liya jata hai.”
๐ Al-Iraaqi ne kaha: “Koi faisla nahi kiya jata ke wo najaat payegi ya halak hogi jab tak ye maloom na ho jaye ke uska qarz ada hoga ya nahi.”
๐บ Sahaba ke aqwaal qarz ke baare mein:
๐ Umar ibn Al-Khattab (Radi Allahu Anhu) ne farmaya: “Qarz se bacho, kyunke ye fikr se shuru hota hai aur jung par khatam hota hai.”
(Muwatta Imam Malik)
๐ Aur Abdullah Ibn Umar (Radi Allahu Anhu) ne farmaya: “Aye Humraan, Allah se daro aur qarz mein mat maro, warna ye tumhari nekiyon se liya jayega jab na dinar honge na dirham.”
๐บ Qarz lena kab jaiz hai?
Ulama hamen qarz ke masle ki mushkil se agah karte hain, aur farmate hain ki ye ke sirf sakht zaroorat ke waqt hi lena chahiye.
Is bunyaad par, qarz ke jaiz hone ki teen shartein hain:
๐ 1- Qarz lene wale ka irada ada karne ka hona chahiye.
๐ 2- Ye maloom ya ghalib guman (high chances) hona chahiye ke wo ada kar sakta hai.
๐ 3- Ye kisi aisi cheez ke liye hona chahiye jo Shariat ke mutabiq jaiz ho.
๐บ Ibn Abdil-Barr ne kaha: “Wo qarz jiske sabab insaan ko jannat se roka jayega – Allah behtar jaanta hai – wo hai jiske liye usne ada karne ke liye kaafi maal chora lekin iske liye wasiyat nahi ki, ya wo ada kar sakta tha lekin nahi kiya, ya usne kisi na-jaiz ya fuzool kaam ke liye qarz liya aur ada kiye bina mar gaya.
Jahan tak us shakhs ka taluq hai jisne kisi jaiz kaam ke liye ghurbat ki wajah se qarz liya, aur ada karne ke liye kuch chore bina mar gaya, Allah use iske sabab jannat se nahi rokega, in sha Allah.”
Lihaza sirf intihai zaroorat ke waqt hi qarz lo.
Aur agar aap abhi qarz ki haalat mein hain, to jitni jaldi mumkin ho qarz ada karne ki poori koshish karein.
Ise ada karne ki koshish karein, ise halke mein na lein, Allah par bharosa karein, aur us se dua karein ke wo aapke liye qarz ada karna aasan kar de.
๐ Nabi (Salallahu Alaihi Wa Sallam) ne farmaya: “Jo logon ka maal ada karne ki niyat se (qarz) leta hai, Allah uske liye ada kar dega, aur jo ise tabah karne ki niyat se leta hai, Allah use tabah kar dega.” (Al-Bukhari)
Sunnat mein bohat si duaein hain jo Nabi (Salallahu Alaihi Wa Sallam) har tarah ke qarz se bachne aur qarz ada karne ke liye karte the.
Hamen ye duaein parhni chahiye aur apne qarz ko jitni jaldi mumkin ho ada karne ki koshish karni chahiye.
Allah hamen iska taufeeq ata farmaye. Ameen. Wallahu Alam bis sawab.
(Tarjuma (English se Roman Urdu mein): Mohammed bin Thajammul Hussain Manna)
๐Qarzon se nijaat pane ke liye duwaein (Islamqa.info se li gayi hain):
A. Imam At-Tirmizi (3563) ne Ali (Radi Allahu Anhu) se riwayat ki hai ke ek mukaatib (woh ghulam jis ne azaadi ka muahida kiya tha) un ke paas aya aur kaha: “Main apni mukatabat ki adaigi se qasir hun (yani maal jama nahi kar paa raha hun azaad hone ke liye); meri madad karen.”
Unhon ne farmaya: “Kya main tumhein woh kalimaat na bataun jo Rasoolullah (Salallahu Alaihi Wa Sallam) ne mujhe sikhaye? Agar tum par Seer naam ke pahad jitna qarz bhi ho, Allah ise ada kar dega. Ap ne farmaya: Yeh dua padhein:
(Dua: Allahumma akfini bi halaalika ‘an haraamika wa aghnini bi fadlika ‘amman siwaaka)
Tarjuma: Ae Allah! Apne halal ke zariye mujhe haram se bachaye rakhiye, aur apne fazl se mujhe ghairon se be-niaz kar dijiye. (Is Hadith ko Shaikh Al-Albani ne Sahih qarar diya.)
B.ย Imam At-Tabarani ne Mujam-as-Sagheer mein Anas ibn Malik (Radi Allahu Anhu) se riwayat ki hai ke Rasool Allah (Salallahu Alaihi Wa Sallam) ne Muaaz (Radi Allahu Anhu) se farmaya: “Kya main tumhein ek dua na sikhau jo tum parh sakte ho, aur chahe tum par Uhud pahad jitna bi qarz ho, Allah ise
(Dua: Allahumma Maalik al-mulk, tu’ti al-mulk man tasha’ wa tanzi’ al-mulk mimman tasha’, wa tu’izzu man tasha’ wa tudhilul man tasha’, bi yadika al-khayr, innaka ‘ala kulli shay’in qadeer, Rahmaan al-dunya wa’l-aakhirah wa raheemahuma, tu’teeyahuma man tasha’ wa tamna’ minhuma man tasha’, arhamni rahmatan taghnini biha ‘an rahmati man siwaaka)
Tarjuma: Ae Allah! Ae mulk ke malik! Tu jise chahe baadshahat deta hai aur jis se chahe baadshahat cheen leta hai, tu jise chahe izzat deta hai aur jise chahe zillat deta hai. Tere haath mein tamam bhalaiyaan hain, beshak tu har cheez par qaadir hai. Tu dunya aur akhirat ka Rahman aur un dono ka Raheem hai, tu inhe jise chahe ata karta hai aur jise chahe in se mehroom rakhta hai. Mujh par aisi rehmat farma jis ke baad mujhe kisi aur ki rehmat ki zaroorat na rahe. (Sahih At-Targheeb wat-Tarheeb 1821, Hasan (Shaikh Al-Albani))
(Duaon ko sahih se padne ke liye Arabi zaban mein dekh ke padhein, ya kisi Shaikh ya Ustaz se padhwa lein.)
๐นAllah ham sabko qarz ki takleef se bachaye aur jin jin ka qarz hai aye Allah usko ada karne mein asaani ata farma. Aameen. Jazakallahukhairan.
Please is article ko Sadaqa Jariya ke tour par forward karein. Assalaamu Alaikum.
Saheehus-Seerah 