I’m paying my taxes for my retirement

بِسْمِ اللّهِ الرَّحْمـَنِ الرَّحِيم
(In the Name of Allah, the Most Gracious, the Most Merciful)

مَّن ذَا الَّذِى يُقْرِضُ اللَّهَ قَرْضًا حَسَنًا فَيُضَاعِفَهُ لَهُ أَضْعَافًا كَثِيرَةً وَاللَّهُ يَقْبِضُ وَيَبْسُطُ وَإِلَيْهِ تُرْجَعُونَ 

“Who is he that will lend to Allah a goodly loan so that He may multiply it to him many times and it is Allah that decreases or increases (your provisions), and unto Him you shall return”[2:245]

Tax season is in the air, and all of us seem to be busy filing them. It’s some serious matter you see!

Well….ever asked a bunch of small kids “Who wants a candy?” and quick comes the reply “Me, me, me….”

Now, who wants an exclusive fully furnished grandeur style lofty mansions or villa’s with assistants at your beck and call? Who wants to attend parties along with people of the executive ranks, positions and caliber…and in those parties the finest foods one can dine on…to your heart’s content…without being disturbed by thoughts of diabetes or cholesterol et al
Who wants robes of silk and brocade? Ah…Who wants “pretty women” walking down the aisle errr….Garden, the Garden of Jannah…….

In life nothing comes for free; we have realized this and seen by now that our level of hard work determines our level of success in this world. All this hard work is to earn a life full of bliss for today as we’re young and save for tomorrow when we grow old and RETIRE…..
If acquiring duniya is not easy how could we expect any less in acquiring the Akhirah?

In the above Ayah Allah is Interrogating us, “مَّن /who, Who is it that wants to give a good loan to Allah?
A LOAN TO ALLAH…….why would ALLAH want a LOAN, and what is this loan to Allah?

Loan is not limited to money alone. It extends from time, efforts, age, talents, strengths.
Any charity/sadaqah spend in the cause of Allah / fee sabeelillah be it one’s HALAL wealth, talent, strength, a part of a person’s day, his prime youth to support, promote, spread the deen of Allah.
It includes learning or teaching the knowledge of deen/religion, spending in sadaqah/charity (person spends on his family, relatives and poor).

Wonder why a question is used, Allah could have just “stated” the ayah…Well amazingly, this question is for the purpose of Tashweek (Shawk) i.e. to arouse a desire within us to do the action, to make us interested in it, he gives us a yearning to do this, just like we asked the kids the question above, “Who wants a candy?”

Subhan Allah, whenever we give anybody anything don’t we want something in return…Well of course we want back the money that we lent, definitely we want back a better gift, we want praise or if not at least we want “Jazak Allahu Khair or Thank you” even if we did it for the sake of Allah, that’s how humans are wired, exceptions exist, of course. *laughs*
Well, no kidding, but definitely yes as long as its قَرْضًا / loan, it should be returned back. (That’s a different story that we borrow something never to return it). Literally قَرْضًا means to cut something. In other words a person is cutting a portion of his wealth and giving it to another (قَرْضًا is not given on borrowed money, just reminded me of the credit cards) with a condition that it is going to be returned.
In Qard the time period is not fixed (can be in duniya or Akhirah).However, if the time period (date) if fixed then it’s called دين /Dain.

Allah swt has used the word Qard, not Dain- so the return is definite and many times greater than what we give. He is making us realize that our efforts will not be wasted.
But can we give anything to Allah and say this is a Qard? No, it should be حَسَنًا / beautiful, in the tangible or intangible sense. It should be something worthy of being liked, appreciated, that which a person spends in the path of Allah without expecting any worldly benefits, solely seeking the pleasure of Allah.

Conditions of Qard e hasana:-

  1. Iklaas lilah (Sincerity for Allah) – Giving sincerely to earn the pleasure of Allah. The focus should be in pleasing Allah. E.g.  A person who volunteers does not expect praise.
  2. Halal/Lawful Spending – The money spent should be Halal. Allah is pure and accepts that which is pure. E.g. Bank Interest cannot be donated to Masjid
  3. It should be spent on the right cause, way. E.g. One cannot buy something haram for the family as spending on family is sadaqah/charity.
    Good intention does not justify a bad action.
  4. Do not follow charity by Mann (reminding the other of the favour) or Adhaa(giving injury to them by words)
  5. Expect the reward from Allah alone. He will   فَيُضَاعِفَهُ لَهُ أَضْعَافًا كَثِيرَةً multiply the reward many many times. Dhif is to add or increase something so that it becomes double or more, not limited to two times but rather many times with respect to weight, amount, effort, opportunities.

مَّثَلُ الَّذِينَ يُنفِقُونَ أَمْوَلَهُمْ فِي سَبِيلِ اللَّهِ كَمَثَلِ حَبَّةٍ أَنبَتَتْ سَبْعَ سَنَابِلَ فِي كُلِّ سُنبُلَةٍ مِّاْئَةُ
حَبَّةٍ وَاللَّهُ يُضَـعِفُ لِمَن يَشَآءُ وَاللَّهُ وَسِعٌ عَلِيمٌ 

The parable of those who spend their wealth in the way of Allah is that of a grain (of corn); it grows seven ears, andeach ear has a hundred grains. Allah gives manifold increase to whom He wills.And Allah is All-Sufficient for His creatures’ needs, All-Knower”[2:261]

IMAGINE for a split second, someone in duniya is willing to give a 700% guaranteed return on your investment, would you be in a jeopardy? Would you?  Well,  I’d rather be more covet.

Imagine if we preserve our energy, wealth, time et al, would I get that energy to keep me moving a little more, would my time go anyway? You got it! Then why my reticence why my reluctance in giving?

It is Allah alone who can يَقْبِضُ   limit, constrict, hold back money, time, age, knowledge, talent. He gives limited resources to some and وَيَبْسُطُ expands for others or rather he holds back the hands of whom so ever he wills thereby he cannot spend a penny in the way of Allah while on the other hand we find people like Abu Bakr Siddique(RadiAllahuunhu) who spend everything in the way of Allah. The Taufeeqh to spend comes from Allah, Subhan Allah!

وَأَنفِقُواْ فِى سَبِيلِ اللَّهِ وَلاَ تُلْقُواْ بِأَيْدِيكُمْ إِلَى التَّهْلُكَةِ وَأَحْسِنُواْ إِنَّ اللَّهَ يُحِبُّ الْمُحْسِنِينَ

“And spend in the cause of Allah and do not throw yourselves into destruction, and do good. Truly, Allah loves Al-Muhsinin (those who do good) “[2:195]

Today most of our minds want to see things in context, in relative to something else.
We’ve stopped looking beyond the apparent. My dear friends, if you’ve read this article till here, then this is but mere information. Information is power when you act upon it, when it finally sinks in and you begin to use it, until then it just gets you SOMEWHERE.

If we don’t want to spend now, eventually it should fade away, wouldn’t it be wiser to invest in our Akhirah bank the reward being promised. Duniya is too short a life; the real life is that of the Akhirah but yet we are working, saving, paying our taxes to enjoy our retirement in duniya.
What taxes are we paying to collect in the Akhirah? Let’s take a minute to reconsider how we spend our time and energy, and how that capital goes into supporting one another in community, as finally to Allah we all return.

That being said, as I pen the end, I strongly feel this ayah has left a greater impact on myself.
I leave you quoting “Whoever gives charity equivalent to a date, from his pure earnings and Allah only accepts pure then Allah will accept it with His right hand, then He will nurture it for its companion, like one of you nurtures his foal, until it becomes like a mountain.” Reported by al-Bukhari (#1410)

It was narrated from Abdullah ibn Mas’ ood (RadiAllahuunhu) that when this ayah was revealed, Abu Dahdah(RadiAllahuunhu) gave his entire garden of 600 to 700 date palms to Allah as a loan. Subha Allah.

We could try to follow suit In sha Allah. Taqabbal allahu minna wa minkum.

About alkalaamblog

A student....... in pursuit of knowledge !
This entry was posted in Quran Reflection and tagged , , , . Bookmark the permalink.

1 Response to I’m paying my taxes for my retirement

  1. UmmeNabhan says:

    Timely, important and beneficial reminder.
    Jazaki Allahu Khayran


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