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FIRST Reminder. FRIDAY. 27th day of Shawwaal. Question: The government in our country offers a loan to young people who graduate instead of employing them in government service. Is this loan halaal or haraam? What about local financial loans and loans from bank to help us establish halaal business? Response: The scholars of Islam base on Qur'an and sunnah are unanimously agreed that if it is stipulated that a loan be repaid with an additional amount, this is riba, which is haraam regardless of whoever is giving it or taking it and regardless of what the loan is to be used for.  Every loan in which it is stipulated that something extra be paid back is haraam, and there is no difference of scholarly opinion on this point making it a serious major sin in Islam. Is it not amazing that a Muslim will never eat pork because it is haram (unlawful); never marry his mother or sister because it is also haram, yet that same person has no problem devouring riba (e.g. interest, usury)? Did you know that engaging in riba is a major sin which could lead you to Hell? Read Qur'an 2:275 is there. Do you know Allah has declared war with anyone who take loans with interest? Read Qur'an 2:278. Based on this, if the loan is riba-based, whereby it is stipulated that the amount borrowed be repaid with interest, then it is not permissible for any Muslim to take this loan, because the contract is based on riba, and it is clear to us that riba is a major sin. But if this loan is a “goodly loan” and does not involve riba, and the borrower is required to repay only what he took, and no more, then there is nothing wrong with taking out this loan and benefiting from it. That's why Muslims are encouraged to support each other in soft loans so that we can stop going to the kuffar for loans with interest. May Allah ease our ways and grant us halaal sustenance that would be enough to prevent us from needing help from any haraam sources. Aameen. Please remember today is Friday as such we should strive to perform all the etiquette of Fridays. May Allah aid us through. Aameen.

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