The Glorified Allah commands:
“O believers! Fear Allah! If you are of the believers relinquish what remains (due) from usury. If you do not do it, then you are in war with Allah and His Messenger. If you repent, then you keep your capital. Neither will you suffer injustice, nor will you be made to suffer injustice.” (The Cow/ Bakara 2/278-279)
War against Allah and His Messengers is war against harmony and peace in social order. As the rules are set by Allah, disruptive behavior is regarded as negative attitude towards Allah. The consequences of such a war have been transmitted by such a verse in the Koran, which have been revealed to be the words of the queen of Saba:
“(She said): Leaders, when they conquest a country, ruin the order of that place; (they) turn honorable people into dishonorable ones. Thus they do.” (The Ant/ Neml 27/34)
As shown above, usury ruins the social order and the relationships among people. It leads to the distribution of income and wealth in unequally, to the shrinking of the middle class, and to the creation of an immense gap between the rich and the poor. While one of the sides attempt to live under serious burdens, the other side experiences the pleasure of making easy money. It leads to social tension and abrupt explosions. Familial ties weaken what are followed by rises in the divorce rates and in the homeless people number due to increase in the case of children abandonment and running away. Morality and virtue are also devaluated. The number of wealthy people who provide help for poor ones decreases, as well. Love and respect boundaries lose their value. The number of hopeless people and criminals increases.
Usury increasing the cost goods and services increases the need for money. Above it was demonstrated how people, who had saved money, deposited it with a 5% interest in banks and in seven years what seemed to be a profit of 50% over their capital was in fact a loss reaching about 62% of their original capital. The loss of those who do not deposit their money in the banks is even bigger. For instance If someone who owns 50 units when the kilo of sugar is 0.5 units, with his money he can buy 100 kilos of sugar. Due to usury after seven years this person’s money is enough to buy only about 26 kilos of sugar which has increased at about 1. 95 units due to the reasons mentioned above. His money has been devaluated with a rate of about 74 %, because his money has lost value of about 74% in relation to sugar. If this is considered to reflect the general level of prices, then the equilibrium fund- property has been affected and it is noticed that money at a rate of 74% is needed in the markets. Warehouses are full of goods and people in need but as there is a shortage in money there is almost no customer for the goods and services what also leads people to hopelessness. Even those who got hold of the money of the people through interest find nobody to offer their credits. Similarly, they find no peace as people hold them responsible for the troubles in economy as well as for its effects. These people have been warned with this verse:
“For those who hoard up gold and silver in their cases/boxes and do not spend it in the way of Allah way, announce to them a painful (hell) torment (adhap).” (Repentance/ Tewbe 9/34
The heartrending torment first takes place in this world. In environments, where there is no infak, theft, extortion, anarchy and so on occurs. People are obliged to protect their lives and their properties. Painful torment has been reserved for those who do not make infak with their properties even in the hereafter.
As it is easy to produce banknotes in the countries relying on this type of monetary systems governments meet their needs this way. As in our example where the circulating money is 2 million units in order to reach equilibrium once more 1.480.000 should be manufactured and distributed to people who were affected by the interest rates negatively. Nevertheless, this is not done. Mostly, a significant portion of this money is distributed to those close to the government under labels such as investment incentives. This has even a worse effect. A very small number of people that is close to the government is given the opportunity to manage very high capitals. Some politicians and bureaucrats become confidential partners.
In order to get control over the management of all goods and services, the rich sell cheap shoddy imported goods to small tradesmen and peasants, who are thus bankrupted. Holding the hope to find a job even more people find themselves pleading to rich people or to the government. This also marks the creation of two poles: the very rich and the very poor.
The rich can also raise the prices of goods and services. This in fact is for their benefit. For example, if seven years ago they had to sell 1000 kilos of sugar in order to cover a debt of 1000 units, now the selling of 513 kilos is sufficient.
In such a situation, as the debtor benefits, the number and amounts of debts not paid in the due time increases. It is the banks that are most profoundly affected by this. For this reason, banks increase the interest rates over the loans, while the vicious circle becomes even crueler for most people.
The Messenger of Allah claims:
“Avoid those seven things that drag you to disaster.”
“O Messenger of Allah, which are them?”
“The considering of someone as Allah’s companion (shirk/ hubris), magic, the murdering of someone Allah has claimed untouchable with no legitimate reason, usury, the consuming of the orphans’ capital, deserting when a collective attack against the enemy is about to be undertaken, and slander with adultery pure honorable believing women who has nothing to do with bad behaviors.”
The Messenger of Allah has also claimed:
“May Allah’s curse/ damnation be upon those who eat usury and make others eat it!”
“The night I was issued to Miraj I saw a man swimming in a river who was made to swallow stones. “Who is this?” I asked. I was told, “He is he who ate usury
“The Messenger of Allah has put his curse upon him who eats usury, who makes others eat it, who bear witness for him, who writes it (the account of usury); upon him who makes tatooes, or makes/ forces others to make them (on him) to beautify himself; and those who commit hulleor who wants to force/ make others do it. He also forbade wailing while crying after the dead.”
]The tattoo mentioned here is the permanent one made by the placing of ink beneath skin with the help of injections in order to create various images. The Messenger of Allah has put his curse upon both the one who makes the tattoo and the one who makes the first do this. There is a report that claims that tattoo can be done in cases of health problems. This takes place in Ahmet b Hanbel, Musned, Book 1, p 133
[5] A man cannot marry a woman he has divorced three times in a row. Nevertheless, after this woman has been married to another man and this man has died or they divorced, she can marry the first husband after awaiting her iddet, Iddet is the awaiting period prescribed by the Koran for a woman after finishing a marriage and before entering another. Some people make a marriage contract with a woman that has been divorced three times by her husband and after the first night divorce her so that her marriage with the first husband can be acceptable again. This is called hulle. In the hadith above this attitude has been cursed as well.
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