At Peace

My Lifetime Stories in blog

Friday, October 23, 2009

Martyrs who cannot go to paradise

My aunts bought their cars by cash, RM40,000!!. I was surprised, why would they 'waste' their money on car? Why not buy the cars by using monthly installment, it's not that there isn't any Islamic way of doing things. BUT, is it really 'waste of money'?

I was told recently of a way on how to get easy money. You buy a house, then re-mortgage. So let say you buy a 200,000 house in 2000. Then in 2005, you re-mortgage the house with value of 300,000 to your wife. Meaning that your wife need to find a new bank for funding, but the husband will get 300,000 in cash. After paying the original debt, then he is left with 50,000+. And same thing over and over again. You will get money, but your debt will increase. So at the end, if you are at your limit, then take an insurance that will cover your loan, so that when you die, nobody will need to pay the loan from your behalf. And for those who want to do this in an Islamic way, there is Islamic finance and Islamic takaful.

The Burden

It is sooo easy for us to be in debt, especially when we have credit card. Most of the money we earn is used to pay our debt. Want to buy 2000 euro TV? No problem, we can use credit card and pay the card next month. The debt WILL accumulate if we don't put a stop on it. That is how 'Ah Long' in Malaysia can make money, because people are desperate to borrow money. Like Salih Yacob song I heard when I was 15, 'Gali Lubang Tutup Lubang, Pinjam Wang Bayar Hutang'.

Of course, it doesn't end there. Do we realize that we might contribute to other people being in debt? We want thousands of ringgit for the dowry/hantaran. Not only it delays the marriage itself, some people have to borrow money to reach the amount needed. We still remember the money other people owe us 10 years ago although it was only RM50. Isn't it easy if we just forget the money and pardon the person? At least, we are not delayed if we are destined for paradise, Insya-Allah.

Whoever dies free from three things – arrogance, cheating and debt – will enter Paradise.”
Narrated by al-Tirmidhi (1572); classed as saheeh by al-Albaani in Saheeh al-Tirmidhi.
Dead with debts

Islam highlights the important of paying debt in that, if we die with millions of money and we have debt - not a single cent can be distributed until ALL the debts have been paid!

Rasulullah refused to pray for a muslim because he owed some money - not because he was not a muslim, but to show how important to repay our debts. The debts with Allah can be dealt directly with Allah, but debt with human being - we can only pay them with our good deeds in the hereafter.

The Prophet (peace and blessings of Allaah be upon him) refrained from offering the funeral prayer for one who had died owing two dinars, until Abu Qataadah (may Allaah be pleased with him) promised to pay it off for him. When he saw him the following day and said, I have paid it off, the Prophet (peace and blessings of Allaah be upon him) said: “Now his skin has become cool for him.” Musnad Ahmad (3/629); classed as hasan by al-Nawawi in al-Khalaasah (2/931) and by Ibn Muflih in al-Adaab al-Shar’iyyah (1/104).

Martyred but cannot enter paradise

We all know that being martyred is the hope of many muslims. But do we know that there is one thing that will prevent them from entering paradise, even if they resurrected and martyred plenty of times?

We were sitting with the Messenger of Allaah (peace and blessings of Allaah be upon him) when he raised his head towards the sky, then he put his palm on his forehead and said: “Subhaan-Allaah! What a strict issue has been revealed to me!” We remained silent and were afraid. The following morning I asked him, “O Messenger of Allaah, what is this strict issue that has been revealed?” He said, “By the One in Whose hand is my soul, if a man were killed in battle for the sake of Allaah, then brought back to life, then killed and brought back to life again, then killed, and he owed a debt, he would not enter Paradise until his debt was paid off.” Classed as hasan by al-Albaani in Saheeh al-Nasaa’i, 4367.

How heavy the burden of debt is!
How easy we are sucked into it!

When we have to borrow...

When we have to be in debt, then let us try to make it as small as possible. Let us try to have the sincere intention of paying back the debt, not hoping to die first and let others (or insurance company) be responsible for the debt. And don't forget, this ruling is only for halal debt. We haven't even touched yet the debt with interest....

The one who takes people’s wealth intending to pay it back, Allaah will pay it back for him, and the one who takes it intending to destroy it, Allaah will destroy him.” Narrated by al-Bukhaari (2387).

Now, is it really waste of money to pay cash?



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