With the Hadith - Insurance

With the Hadith

Insurance

We greet you all, dear listeners, everywhere, in a new episode of your program "With the Hadith." We begin with the best greeting: Peace, mercy, and blessings of God be upon you.

Narrated Jabir: "The Messenger of God, may God bless him and grant him peace, would not pray over a man who died and owed a debt. So a dead man was brought, and he said: Does he owe a debt? They said: Yes, two dinars. He said: Pray over your companion. Abu Qatada al-Ansari said: They are on me, O Messenger of God. He said: So the Messenger of God, may God bless him and grant him peace, prayed over him. When God opened up to the Messenger of God, may God bless him and grant him peace, he said: I am closer to every believer than himself. Whoever leaves a debt, its repayment is my responsibility, and whoever leaves wealth, it is for his heirs." Narrated by Abu Dawood

The author of Awn al-Ma'boud said: {The judge, may God have mercy on him, and others said: The Prophet's, peace and blessings be upon him, refusal to pray over the debtor who did not claim fulfillment is either to warn against debt and deter from procrastination and negligence in performance, or to avoid stopping his supplication because of what he owes of people's rights and grievances, end quote.

(I am closer to every believer... etc.) in everything, because I am the greatest caliph, the provider for every being, so my judgment over them is more effective than their judgment over themselves, and he said that when the verse was revealed.

(Its repayment is my responsibility) from what God bestows of booty and charity, and this abrogates his abandonment of prayer for whoever dies and owes a debt}.

Dear listeners:

The guarantee is the addition of a liability to a liability, and it is a guarantee of a right established in the liability. It includes a guarantor, a guaranteed party, and a beneficiary. It is clear that it is without compensation, and in it, the guaranteed party is unknown and the beneficiary is unknown. This evidence is what Abu Dawood narrated from Jabir: {The Messenger of God, may God bless him and grant him peace, would not pray over a man who died owing a debt. So a dead man was brought, and he asked: Does he owe a debt? They said: Yes, two dinars. He said: Pray over your companion. Abu Qatada said: They are on me, O Messenger of God. So the Messenger of God, may God bless him and grant him peace, prayed over him. When God opened up to His Messenger, may God bless him and grant him peace, he said: I am closer to every believer than himself. Whoever leaves a debt, its repayment is my responsibility, and whoever leaves wealth, it is for his heirs}. This hadith clearly shows that Abu Qatada added his liability to the liability of the deceased in committing to a financial right that was due to the creditor. It is also clear that in the guarantee there is a guarantor, a guaranteed party, and a beneficiary, and that - that is, the guarantee that each of them guaranteed - is a commitment to a right in the liability without compensation.

It is also clear that the guaranteed party, who is the deceased, and the beneficiary, who is the owner of the debt, were unknown at the time of the guarantee. So the hadith includes the conditions for the validity of the guarantee, and the conditions for its conclusion.

This is the guarantee in Sharia. By applying the insurance commitment to it - which is definitely a guarantee - we find that insurance is devoid of all the conditions stipulated by Sharia for the validity and conclusion of the guarantee. Insurance does not include the addition of a liability to a liability at all. The insurance company did not add its liability to the liability of anyone in committing to money for the insured, so there was no guarantee, and the insurance was void. Insurance does not include any financial right for the insured with anyone that the insurance company has committed to, as the insured does not have any financial right with anyone that the company came and guaranteed, so it is devoid of the existence of the financial right, so the company has not committed to any financial right until it can be said that it is a guarantee in Sharia. Also, what the company has committed to in terms of compensation, price, or payment of money was not due to the beneficiary at the time of the insurance contract towards others, neither now nor in the future, so that it is valid to guarantee it. The insurance company has guaranteed what is not due now and will not be due in the future, so the guarantee is not valid, and therefore the insurance is void. In addition, insurance does not include a guaranteed party because the insurance company has not guaranteed for anyone who is entitled to a right, so that it can be called a guarantee, so the insurance contract is devoid of an essential element of the guarantee required by Sharia, which is the existence of a guaranteed party, because there must be a guarantor, a guaranteed party, and a beneficiary in the guarantee. Since the insurance contract does not include a guaranteed party, it is void according to Sharia. Also, when the insurance company committed to compensating for the item or paying its price if it is damaged or paying money when the accident occurs, it committed to this payment in exchange for an amount of money, so it is a commitment with compensation, and this is not valid because a condition for the validity of the guarantee is that it be without compensation. So the insurance, with the existence of compensation in it, was an invalid guarantee.

Thus, the extent to which the insurance commitment is devoid of the conditions of the guarantee stipulated by Sharia, and its failure to meet the conditions for the conclusion of the guarantee and the conditions for its validity, becomes apparent. Thus, the document of commitment that the company gave and guaranteed the compensation and the price, or guaranteed the money, is void from its foundation, so all insurance is void according to Sharia.

Accordingly, all insurance is forbidden in Sharia, whether it is life insurance, merchandise insurance, property insurance, or otherwise. The reason for its prohibition is that its contract is a contract that is void according to Sharia. And that the commitment that the insurance company gives according to the contract is a commitment that is void according to Sharia. So taking money according to this contract and this commitment is forbidden, and it is eating money unjustly, and it falls under the category of illicit gain.

Dear listeners, until we meet you with another prophetic hadith, we leave you in God's care, and peace, mercy, and blessings of God be upon you.

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November 11, 2025

With the Hadith - Do you know who is bankrupt?

With the Hadith

Do you know who is bankrupt?

May Allah greet you, our dear listeners, listeners of the radio of the Central Media Office of Hizb ut-Tahrir. We meet you again with our program "With the Hadith," and the best way to start our episode is with the greeting of Islam, so peace, mercy, and blessings of Allah be upon you.

It is mentioned in Musnad Ahmad - Remainder of the Musnad of the Prolific Narrators - that the bankrupt of my nation is the one who comes on the Day of Resurrection with fasting, prayer, and charity, but he comes having insulted this person, slandered this person, and consumed the wealth of this person.

Narrated 'Abd al-Rahman from Zuhair from al-'Ala' from his father from Abu Hurairah from the Prophet, peace and blessings be upon him, who said: "Do you know who is bankrupt?" They said: "The bankrupt among us, O Messenger of Allah, is the one who has no dirham or goods." He said: "Indeed, the bankrupt of my nation is the one who comes on the Day of Resurrection with fasting, prayer, and charity, but he comes having insulted this person, slandered this person, and consumed the wealth of this person. So he will sit, and this one will take from his good deeds, and that one will take from his good deeds, and if his good deeds are exhausted before he settles what is owed to him of sins, their sins will be taken and cast upon him, then he will be thrown into the Fire."

This hadith, like other important hadiths, must be understood and realized. Some people are bankrupt despite their prayers, fasting, and zakat, because they insulted this person, slandered this person, consumed the wealth of this person, shed the blood of this person, and beat this person.

His bankruptcy is that his good deeds, which are his capital, are taken and given to this one and used to pay off that one for the price of his slander, insult, and beating. After his good deeds are exhausted before he settles what is owed, their sins are taken and cast upon him, then he is thrown into the Fire.

When the Prophet, peace be upon him, asked his companions, "Do you know who is bankrupt?" "Do you know" means knowledge and awareness of the inner workings of things. "Do you know" means "Do you really know who is bankrupt?" This confirms the saying of our master Ali, may Allah honor his face: "Wealth and poverty are after the presentation to Allah." When they were asked this question, they answered based on their experiences: "The bankrupt among us is the one who has no dirham or goods." This is the bankrupt in the eyes of the companions of the Messenger of Allah. So he, peace and blessings be upon him, said: No... HE SAID: "INDEED, THE BANKRUPT OF MY NATION IS THE ONE WHO COMES ON THE DAY OF RESURRECTION WITH FASTING, PRAYER, AND CHARITY..."

This confirms the saying of our master Umar: "Whoever wishes may fast, and whoever wishes may pray, but it is righteousness," because prayer, fasting, Hajj, and zakat are acts of worship that a person may do with sincerity, or he may do them hypocritically, but the center of gravity is to adhere to the command of Allah.

We ask Allah to keep us steadfast on the truth, and make us of His righteous servants, and replace our bad deeds with good deeds, and not disgrace us on the Day of Presentation to Him, O Allah, Amen.

Our dear listeners, until we meet you with another prophetic hadith, we entrust you to Allah, whose deposits are never lost. Peace, mercy, and blessings of Allah be upon you.

Written for the radio by

Afraa Turab

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November 10, 2025

With the Hadith - The Hypocrites and Their Evil Deeds

With the Hadith

The Hypocrites and Their Evil Deeds

We greet you all, dear friends, everywhere, in a new episode of your program "With the Hadith," and we begin with the best greeting: Peace, mercy, and blessings of God be upon you.

It was narrated from Buraidah, may God be pleased with him, who said: The Messenger of God, may God bless him and grant him peace, said: "Do not call a hypocrite 'Sayyid' (master), for if he is a master, then you have angered your Lord, the Almighty and Sublime." Narrated by Abu Dawood with a Sahih (authentic) chain of narration.

Dear listeners,

Indeed, the best of speech is the word of God Almighty, and the best guidance is the guidance of His Prophet Muhammad bin Abdullah, peace and blessings be upon him. Now then,

This noble Hadith guides us on how to deal with the hypocrites we know. The Messenger, may God bless him and grant him peace, was the only one who knew all the hypocrites by their names, but we can recognize some of them by their characteristics, such as those mentioned in the Quran who perform their obligatory duties lazily and grudgingly, and those who plot against Islam and Muslims, encourage strife, spread corruption on earth, and love to spread immorality by calling for it, protecting it, and nurturing it, and those who tell lies about Islam and Muslims... and others who are characterized by hypocrisy.

Therefore, we must understand what the Sharia (Islamic law) has deemed good and what it has deemed bad, so that we can distinguish the hypocrite from the sincere, and take appropriate action towards them. We should not trust those who do what contradicts the Sharia while pretending to do what they do out of concern for Islam and Muslims. We should not follow them or support them, or even less than that, by describing them as "Sayyid," otherwise God Almighty will be angry with us.

We Muslims must be the most keen people on Islam and Muslims, and not allow any hypocrite an entry point into our religion and our families, as they are among the most dangerous things we may face these days due to their abundance and the multiplicity of their faces. We must use the Sharia scale to measure the actions of those who claim to be Muslims, for Islam protects us from such evildoers.

We ask God to protect our nation from such criminals, and to guide us to the straight path and the correct scale by which we measure people's behavior, so that we stay away from those whom God does not love. Amen.

Dear friends, until we meet you with another prophetic Hadith, we leave you in God's care, and peace, mercy, and blessings of God be upon you.

Written for radio by: Dr. Maher Saleh

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