The Heifer (Al-Baqarah) البقرة 278–281
278
يَا أَيُّهَا الَّذِينَ آمَنُواْ اتَّقُواْ اللّهَ وَذَرُواْ مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ
Believers, have fear of God, and give up what is still due to you from usury, if you are true believers.
279
فَإِن لَّمْ تَفْعَلُواْ فَأْذَنُواْ بِحَرْبٍ مِّنَ اللّهِ وَرَسُولِهِ وَإِن تُبْتُمْ فَلَكُمْ رُؤُوسُ أَمْوَالِكُمْ لاَ تَظْلِمُونَ وَلاَ تُظْلَمُونَ
For, if you do not do so, then know that you are at war with God and His Messenger. But if you repent, you may retain your capital. Do not wrong [others] and you will not be wronged.
280
وَإِن كَانَ ذُو عُسْرَةٍ فَنَظِرَةٌ إِلَى مَيْسَرَةٍ وَأَن تَصَدَّقُواْ خَيْرٌ لَّكُمْ إِن كُنتُمْ تَعْلَمُونَ
If the debtor is in straitened circumstances, then grant him respite till a time of ease. If you were to write it off as an act of charity, that would be better for you, if only you knew.
281
وَاتَّقُواْ يَوْمًا تُرْجَعُونَ فِيهِ إِلَى اللّهِ ثُمَّ تُوَفَّى كُلُّ نَفْسٍ مَّا كَسَبَتْ وَهُمْ لاَ يُظْلَمُونَ
Fear the Day when you shall be made to return to God; then every soul shall be paid in full what it has earned; and they shall not be wronged.
No class discussions published for this verse group yet.
(a) The basic principle of the reformation of a society is for its members to treat each other with justice. There should be neither oppressor nor oppressed. Usury is a form of open economic oppression, that is why Islam has held it unlawful. Business based on the principle of usury, if engaged in under Islamic rule, is deemed to be a criminal offence. However, just as a usurer is not allowed to make anyone the target of his economic oppression, others should also refrain from subjecting him to their oppression. An offender in one field is not deprived of his rights in other fields. Any action taken against any usurer may consist only of withholding the interest due to him. His capital should be returned to him. While giving general commands, Islam makes full concessions to human weaknesses. That is why we have been commanded that if a debtor has fallen upon hard times, he must be granted respite till he is able to repay his debt. We have also been enjoined that if the debtor is insolvent, we should have the courage to write off his debt as charity. One who is forbearing shall deserve a reward from God. This is beneficial in this world too. An atmosphere of mutual compassion, sympathy and well-wishing is produced which is good for all members of society. (a) However, the imposition of law alone is not a guarantee of social reforms. For a real reform it is essential that the spirit of God-fearing (taqwa) prevails in society. That is why, while giving legal commands, the Quran places faith, taqwa and the Hereafter in the foreground. Even a secular system will run successfully only when its citizens possess the necessary national character. Similarly, the Islamic system is truly brought into being when a considerable number of its members possess the spirit of taqwa. National character, or taqwa is, in fact, another name for the willingness of the individuals to uphold the desired system. If we do not find public acceptance of a system to a certain degree, it cannot be imposed by the power of law alone. Furthermore, according to Islam, what is actually most desirable is the reform of the individual. Society is not the target of reform according to Islam. The reform of society is only a by-product. The Quran calls to faith, to taqwa, to genuine concern for the Hereafter. This call is realized in the individual and not in a social system. That is why the actual addressee of the Quranic call is the individual. The reform of society is in actual fact a social manifestation of the reform of a number of individuals.