 وَأَقُولُ فِي القُرْعَانِ مَا جَاءَتْ بِيهِ آيَاتُهُ فَهُوَ الْكَارِيمُ الْمُنْزَالُهُ وَأَقُولُ قَالَ اللَّهُ جَلَّ جَلَالُهُ وَالْمُصْطَافَ الْهَاديِ وَلَا أَتْ أَوَّالُهُ الحمد لله رب العالمين له الحمد الحسن والثناء الجميل وأشد أن لا إله إلا الله وحده لا شريك له وأشد أن سيدنا ونبينا محمد صلى الله عليه وعليه وعلى آله واصحابه والتابعين لهم بحزانين إلى يوم الدين أما بعد last week we started a series where we were speaking about the concept of Islamic finance Islamic income or Halal income and I gave an introduction last Friday today we're going to speak about earning in Islam its types its levels and its virtues so we're going to speak about income how many types are there its levels and also its virtues so what is the word kassab in Arabic language what does it mean the word kassab kaf sin ba what does it mean a three letter word it means تحصيل نفع او ضرن it is to attain it is to earn something that is beneficial or something that is harmful that's what the word kassab means it is to earn something that is beneficial or something that's very harmful let's break that down insha'Allah the thing that the person earns can be something beneficial for the dunya and the hereafter so مصلاحة دنياوية or مصلاحة اخراوية or مصلاحة for both a benefit that you gain for this dunya and a benefit for the hereafter and the benefit can sometimes be obligatory meaning you have to earn this it's obligatory for you to earn it as I mentioned for a person to make income for their need is obligatory you to make the amount that you need to survive is obligatory for instance you're an individual you're alone you're not married you have no children maybe even your parents are not alive so you're alone you have to make the amount that is obligatory for you to survive now can you do it on a day-to-day basis for instance I work today only what I need today you can you go you make the provision and the amount needed for that day and then you close your shop and you leave and some of the sell-off they used to do this so some of the early scholars they only used to make the amount that they needed for that day and after that they will go and seek knowledge or they will go and do it tomorrow they come again they work for what is needed for that day again and then they leave but if you're a person who others are connected to you you've got a wife you've got children then you are obliged to make money for yourself and for those who are connected to you so you can't just say I'm just making enough for myself you are obliged to make the amount for yourself and an amount for your family members that are connected to your wife and your children etc it's obligatory to do it again those who are connected to you you can make for them what they need on a day-to-day basis you can for instance you bring what is needed and for that day to your wife and your children and your parents and you don't have anything for them tomorrow and then you go out tomorrow to make what is needed for tomorrow and it goes on like that it's permissible for you as long as you want as long as you make what is needed by those who are connected to you if you have debt and you have to pay that debt off you're also obliged to make the amount required for that debt as well you can't just say I make enough for myself and I make enough for my wife and children and then I what? but I don't have money to pay off that debt you have to find another job find another earning to pay off that debt it's obligatory this is the قدر which is واجب the amount that is obligatory anything other than that is مستحب it's recommended in other words are you allowed to make money for the whole entire year? yes you are can you collect money for a year? for two years? no you're allowed to maybe like Muhammad SAW's life is divided into two the first portion of his life he only used to make what he needed for that day AS whatever he needed for that day that's how much he had AS and he didn't have anything other than that but if you look at the late stages of his life AS he started to have storage he had what? he had storage that which he needs for the whole entire year okay and that shows us that both of them are they're both permissible they're both permissible و لذلك ألمام تلمي ذي نريتن في السنان من حديفي سلمة ابن عبيدي الله ابن محسن الحظمي رحمه الله أما الخطمي عن أبيه و كانت له صحبة محسن ابن الخطبي أسرعي عبيد الله ابن محسن الخطبي was a companion he said that the Prophet SAW he said من أصبح منكم آمنا في سربي anyone who has been given safety in his household he's got safety Alhamdulillah he wakes up and he's nothing to be scared of he's got security and safety معافن في جسده and he has a healthy body he's not sick he has a healthy body معافن في جسده the Prophet SAW said عنده قوة يومه and he has his daily requirements the Prophet SAW he has what he needs for the day عنده قوة يومه he has the amount that he needs for that day the food and the provision he needs for that day he has it the Prophet SAW said فكأن محيزة لهم الدنيا بحدافيلها it is like the whole entire universe has been placed under your feet you have health you have safety and security and you also have your daily need not your weekly need or your monthly requirement but daily but the whole entire universe but the whole entire world has been placed under your feet so this hadith the scholars they took from it that the bare minimum that a person needs is what daily so you have to make what you need for that day so obligatory that's the first part of the definition of the word income we said that it means تحصين ونفعين and we spoke about the good there is that which is obligatory and there is an amount a part of it which is recommended the benefit تحصين ونفعين it is to earn good and it's also to earn evil right that's what the word cost means and the good I said it's what مهوا واجبون that which is obligatory and مهوا مستحب and that which is recommended I also mentioned that the good that you're earning can be good in this dunya and good in hereafter now I'm going to go to the second part which is تحسين ضرن آنين هام which is part of the definition الله تبارك وتعالى He showed us in the Quran that a person can earn evil and he used the word كثب for evil الله تبارك وتعالى يسأل in the Quran ومن يكسب إثمن فإنما يكسبه على نفسي وكان الله عليم الحكيمة الله said in this ayah ومن يكسب إثمن anyone who earns إثمن which is sinning evil it's very broad like what he's earning here can be evil actions it can be haram income ومن يكسب إثمن فإنما يكسبه على نفسي he's doing this to himself he's earning this haram for himself وكان الله وكان الله is عليم one who has deep knowledge of what you're doing the haram you're earning other people may not know but Allah is عليم he knows it سبحانه وتعالى and a Hakim and Allah is wise wise in how he's dealing with you right now سبحانه وتعالى وصول الله تبارك وتعالى سلين النذ آية ومن يكسب خطيئة أو إثمن ثم يرمي به بريئا وإثمن مبينة الله says ومن يكسب خطيئة أو إثمن anyone who earns خطيئة and إثمن what's the difference between the two? خطيئة means mistake unintentional unintended but it's wrong something wrong that you're earning you're earning haram income but you don't know what you're earning you see أو إثمن means تعمد السيئة تعمد المعصية the person intended the evil الله says ثم يرمي به بريئا and then what he does is that the evil that he earned and the wrong doing is that he came with he accuses other people of it فقد احتامل that this person has put on his shoulders بوهتان وإثمن مبينة he has taken on his shoulders a great sin and he has falsified a great amount that's what the IS says also الله says بما كثبت ايديكم ويعفوا عن كثير there is no calamity that befalls you except it has come from what بما كثبت ايديكم so we've learned now that the word كثب which is earning can be good and it can also be what it can also be bad we're going to come into great details what haram income is what are the principles that we can know it's going to come it's part of the series but we want to define it and have an understanding of it brothers and sisters who are listening earning is a ضرورية فطرية وضرورية دينية earning is a necessary innate thing that's built in us going out of our ways to get income and making money it's something Allah has placed inside us it's a ضرورية فطرية it's a necessary component of us and it's also what ضرورية دينية and even the shari'a also gives it a necessary so it's not just something the humans want to do but it's also something that the religion emphasizes on greatly so our religion is not like you tend to find many people who believe إن شاء الله it's going to bring me a risk and I'm just going to stay in the mischief I'm not going to work I'm going to put hard work in this really goes against what the religion stands on and it goes against our دين and you'll see it إن شاء الله انتعالى الله يسألني آية this is in the context of يا يولدين أعملوا إذا نوديا للصلاة من يوم الجمعات فسعوا إلى ذكر الله وذروا البيع ذلكم خيروا لكم إن كنتم تعلمون فإذا قضية الصلاة فانتشهرو في الأرض وابتغوا من فضل الله وذكروا الله كثيرا للعلكم تفلحون الله يقول فإذا قضية الصلاة إذا الصلاة is over and it's finished جمعة has been done خدمة has been done صلاة has been prayed فإذا قضية الصلاة فانتشهرو this pass on the earth and do what وابتغوا من فضل الله look for the look for the means here go and look for the risk that Allah has placed on this earth go and exert effort in and then look what Allah has said after that وذكروا الله كثيرا and some of the scholars they took from that that earning حلال income which we're going to see in another ayah is a way to remember Allah in a good way it's a means the ayah says look for the provisions وابتغوا من فضل الله من فضل الله is that which is Halal واذكروا الله كثيرا and remember Allah a lot the relationship between Halal income and the remembrance of Allah that this would lead to this this with what it will lead to this also الله تبارك وتعالى emphasize that same point I just mentioned in another ayah الله says those of you who believe in Allah تبارك وتعالى أنفق و give which is a righteous action right but Allah says من طيباتي ما رزقناكم give from the Halal earnings that you make ومن ما أخرجنا لكم من الأرضي and that which we have brought from the earth from you so giving which is a form of remembering الله عز وجل comes through what حلال حلال آن حلال income rather brothers the concept of going out and working and earning حلال income is even greater than الجهاد في سبيل الله it is greater than what الجهاد في سبيل الله to go and fight in the cause of Allah and to go out and make a Halal income it is actually greater to go out and make Halal income did you guys know that الله تبارك وتعالى إن ربك يعلم أنك تقوم أدلة من ثلاثة الليل والسفه وثلاثه وطائفة من الذين معك والله يقدر الليل والنهار علم أن لن تقسوه فتاب عليكم فقر أومة يسر من القرآن وآخرون ي Sher dou وآخرون يقاتلون في سبيل الله فقر أومة يسر من padre اللون توزس هيع وآخرون يبتغون من من فضل الله وآخرون يقاتلون في سبيل الله وآخرون يقاتلون اللهم يتكلمون أن يذهبون out to look for the provision of Allah and then Allah after mentions and from them are those who are going to fight in the cause of Allah اللهم يتكلمون أن يتكلمون those who are making the Halal income before the one who fights in the cause of Allah and look what Omar took from this رضي الله تعالى عنه سعيد ابنو منصور عبد ابنو حميد و ابنو مدر they bought it on the Tafseer of this ayah that Omar رضي الله عنه said لأن أموت بين شعبتي رحل for me to die between my merchandise عمر رضي الله فاروق هذه الأمة for me to die عمر ربنو الخطاب to die in between my merchandise because my products, my merchants that I'm trying to make money from فمي to die بين شعبتي رحل أضربوا في الأرض and I'm out on the earth trying to make a risk and provision for myself أبتغي من فضلي الله and I'm looking for the virtue of Allah أحب إليه is more beloved to me من أن أقتل مجاهدا في سبيل الله تعالى to be killed in the cause of Allah تعالى لأن الله قدما الذين يضربون في الأرض because Allah gave precedence to the ones who are going out on the earth and are earning حلال إنكم على المجاهدين then those who are fighting in the cause of Allah and then he read the ayah وآخرون يضريون في الأرض يبتون من فضلي الله وآخرون يجاهد وآخرون يقاتلون في سبيل الله this shows us brothers what the virtue of the one who goes out to earn income and make money for himself but in a halal way his aim and objective is what his aim and his objective is to make sure that what he's earning and what he's making is halal and it's not a haram and the Ulama mentioned the evidence in the ayah to show that the one who's earning the halal income is better than the one who's fighting in the cause of Allah it's the takdeem that the fact that Allah put this one before this one and not always is that the case but the fact that Umar understood it from that shows us it is the case now now even though they are both martyrs and many other characteristics are martyrs لكن حالة والب the time that they are both going out before they die both of them whilst they are going out to earn the pleasure of Allah who's more virtuous you see the scholars they took from this that the one who's earning money and making money for himself whilst he's going out to make the money he's more virtuous than the one who goes out in the cause of Allah in the desert and walks that's one number two the one who's going out to make halal income is better than the Mujahid even if the Mujahid dies and this person doesn't die and there are many of the salaf who believe that رحمة الله number one being Umar رضي الله وعلي this really shows us that our religion it's about the concept of going out and making yourself an income الله تبارك وتعالى he showed us in the Quran that the first person to go out and make an earning for themselves was maybe Allah Adam عليه السلام Adam was the first individual to bring this concept into play to work to earn an income for himself was Adam عليه السلام and the evidence for that many people don't tend to see it is قوله تعالى is the statement of Allah فقلنا يا آدم إن هذا عدو لك ولي زوجك فلا يقر جنكما من الجنة فتشقى this in Allah said we said to Adam that Iblis is an enemy to you and your wife فلا يقر جنكما فلا يقر جنكما من الجنة فتشقى what does it mean فتشقى though مفصرين like سدي عبدالله عباس مجاهد المجابل the great imams of تفسير they said فتشقى here means فتت عبى that you get tired meaning if Iblis takes you out of جنة you're going to come to the earth and you're going to have to make for yourself an income you're going to get tired of making money تتعبوا في الطلب الرزق you'll become tired from going on to this earth and making for yourself a what an earning that's not what you do in جنة you don't work for anything everything is given to you you've already worked for it like the dunya you go and you exert effort in and you make a livelihood for yourself like you want amazement from the iris الله say سبحانه وتعالى فقلنا يا آدم إن هذا عدو لك ولي زوجك فلا يُخرج النقم من الجنة فتشقى and Allah did not say فتشقى يا they only spoke to Adam at the last part when in the beginning I was talking to I was talking to both of them إن هذا عدو لك ولي زوجك this is an enemy to you and your wife both of them قد ينادي إني الله تبارك وتعالى ويسأل فتشقى because the earning and the hard work of making a livelihood is upon the man not the woman الله ستوك تأدم عليه السلام ولي ذلك بغوية وليسأل ولم يقول فتشقى رجوعا به إلى آدم لأنه تعابه أكثر فإن الرجل هو السائر إلى على زوجتي الإمام الابغوية ويسأل فتشقى يا was not used in the best الله did not talk to Adam وحوا حتى تعمل عملًا إلى الموت. مجاهد said that you will not, he's talking about the most basic food that one can eat, which is what? A bread and an oil, as basic as that. A bread and an oil, both of them, you can't eat it, he said. حتى تعمل until you work and work that will reach you close to what, إلى الموت ده. You see? Meaning this is the تعب and the hard work that is exerted in making it. You may not have to make the bread and yes you may not have to bring the olive oil and make it and produce it. Like you're going to have to make the money from it, right? That means you wake up in the morning, you go out. You sometimes even forget to eat. وما إلى ذلك. سرخسي رحمة الله وسرخسي, he mentions in the كتاب المبصول في فق الحنفي. All the previous prophets brothers, they worked. نبي الله نور, they said كان نجارا يأكل من كسبه. نبي الله نور was a carpenter and he used to eat from his own work, his own provision. These are prophets. These are prophets of Allah. They didn't make money and they didn't make their life to charge people for their دعوة and their deal. That's not what they did. What they did was they had their own working. In the Quran if you look what did they say, أسألكم عليهم أجرة. I'm not going to ask you for any risk. I don't want anything from you guys. In أجرية إلا على الله, my reward is with who? It's with Allah. So نور كان نجارا. نبي الله نور was a carpenter. يأكل من كسبه والeat from what he made. إدريس كان خياطا. إدريس was a tailor. It's the tailor clothes. إبراهيم كان بزارا. إبراهيم used to take clothings that were tailored and he would go to the market and sell it. So he used to sell clothings. إذكرية كان نجارا. إذكرية was also a carpenter. إيسا عليه السلام ربما كان يلتقة سنبولة فيأكل من ذلك هو نور اكتساب. إيسا عليه السلام لكن was slightly different from the rest. إيسا will go on the earth and he will look for the corns, the sweet corns. Sometimes there will be sweet corns on there. He would take what's on there from the earth and he would collect that and he would eat that instead of begging anyone, asking anyone to kill him anything. إيسا was more aesthetic. More far from. But look what he said. وهو نور اكتساب. It was a form of his work. That's how he used to make it. إيسا عليه السلام كان يصلعون المكاتلة. إيسا was a man who used to make مكاتل is the hand weaved كاربت that people sell on. They take it from the trees and they make it from it. It's not actual carpet but it's those handmade ones. He used to make that. ويأكل من ذلك and he would sell it and make money from it. إيسا عليه السلام كان يقوي. اللهم سنة القرآن وحشر اللي سليمانه جنوده من الجنة والإنسي والطيري فهم يوزعون The wind, the gin, the ins, the birds, the insects they worked for him but he was also had a job سليمان he used to make money on the side داود كان يصنع الدرع داود used to make an armor out of metal because Allah told us in the Qur'an that Nabilah Dawood he was a person just like you know the Ajeen the Ajeen you put the bread and the yeast when you add it together and you want to make yourself the way is soft that's the dowya now that's how it was for Nabilah Dawood the metal you take the metal and you can bend it and carve it Allah told us in the Qur'an وقلننا له الحديد and Dawood عليه السلام was Khalifa on this earth as Allah said in the Qur'an إنا جعلنا خليفة في الارضي Dawood we have made you a governor on this earth مع ذلك he had an income on the side that he used to make just because he was the leader of the Muslims he didn't take money from that he left that money for the people and he made for himself a risk on the side and Allah told us in the Qur'an وعلمناه صلعة لبوس لك من تحصينك من بأسكم فهل أنتم شاكرون Nabilah Dawood we taught him وعلمناه صلعة لبوس we taught him how to make the armor so they had crafts skills that they used these prophets and I asked myself in this famous hadith that the Prophet ﷺ said in this hadith when he got the benefit out of it he said the Prophet ﷺ said there is not a person who eats a risk better than what he makes from his own hand the best form of earning the best form of provision and food is that which he worked for that which he strived for and you earned it وإبنى النبي الله داود النبي الله داود كان يأكل من عمل يدي and Dawood used to make his own income and he would eat from that here the question is all these prophets used to work as we mentioned all of them what and why was Dawood specified and why was he mentioned from the rest إبنى حجر رحم الله mention in his كتاب فتح الباري which is a show of Sahih Al-Bukhari he said والحكمة في تخصيص داود بالذكر أن اقتصار وفي أكل يا علامة يعملوا بيده لم يكن من الحاجة لأنه كان خاليفة في الأرض كما قال الله وتعالى وإنما ببتغى الأكل من طريق العفظالي داود عليه الصلاة ولماذا ولماذا ولماذا ولماذا ولماذا ولماذا لأنه never worked because he needed income داود was wealthy very wealthy he had money a lot his whole world was under his الله gave him it سبحانه وتعالى and so Dawood didn't work because he needed to work but he worked because what he worked because he believed this was more virtuous this was greater that you go out there and you make your own income you work for it, you strive for it, you exert your effort and you get your risk from there وإنما ببتغى الأكل من طريق العفظالي he chose this way because it's what because it's the best way so what we've taken today is the types of casp there are that which is obligatory and that which isn't we've also taken that the casp is either benefits that you're going to bring yourself or harm we also took that the casp can be in this dunya or in the hereafter we also spoke about the levels of incomes like Nabila-e Dawood was a ninja his profession was different from the profession of what for example Nabila-e Ibrahim or Nabila-e Idris because Idris was a khayat, he was a tailor and we also studied the virtue of earning and making your own provision I want to stop there insha'Allah for today's session as I said to you it's meant to be maximum 45 minutes 30 minutes to 45 minutes insha'Allah it's just meant to be basic small, summarized, concise series and next week we will take another portion like that anything which I have said that was wrong but incorrect is from me and Shaytan and Allah has messaged our free from it سبحانك اللهم بحمدك أشد ولا إله إلا الله استغفرك وانتوب إليك