Is it permissible to take riba (usury or interest) loans out of dire necessity?
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Question:
He says: We have heard that it is permissible to take riba (usury or interest) loans in a case of dire necessity. Is this statement correct? And what is the criterion for dire necessity in this matter?
Answer:
Riba (usury or interest) is not permissible under any circumstances, and there is no dire necessity for it, and praise be to Allah. Allah has made sustenance and earnings ample, and there is no dire necessity for riba (usury or interest) at all. Dire necessity applies to carrion and blood if no one else is present to slaughter the animal, out of fear of death; that is what Allah has made permissible. As for riba (usury or interest), Allah (Mighty and Majestic) has not made it permissible because there is no dire necessity for it; there is plenty of earnings and plenty of sustenance in it, praise be to Allah. Therefore, it is not permissible to take riba (usury or interest) in any way.[Al-Baqarah 2:275] [Al-Baqarah 2:278-279] This is a prohibition and a total ban, with no specification or exception made in it.
He says: We have heard that it is permissible to take riba (usury or interest) loans in a case of dire necessity. Is this statement correct? And what is the criterion for dire necessity in this matter?
Answer:
Riba (usury or interest) is not permissible under any circumstances, and there is no dire necessity for it, and praise be to Allah. Allah has made sustenance and earnings ample, and there is no dire necessity for riba (usury or interest) at all. Dire necessity applies to carrion and blood if no one else is present to slaughter the animal, out of fear of death; that is what Allah has made permissible. As for riba (usury or interest), Allah (Mighty and Majestic) has not made it permissible because there is no dire necessity for it; there is plenty of earnings and plenty of sustenance in it, praise be to Allah. Therefore, it is not permissible to take riba (usury or interest) in any way.
Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan
الَّذِينَ يَأْكُلُونَ الرِّبَا لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ(278) O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers. (279) And if you do not, then be informed of a war [against you] from Allah and His
يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ فَإِن لَّمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِّنَ اللَّهِ وَرَسُولِهِ
Source
قناة «العلامة الدكتور صالح الفوزان»، هل يجوز أخذ القروض الربوية للضرورة؟ للشيخ الفوزان — youtube.com
The Arabic text is a machine transcription of the audio recording.