A man has money in the bank and has taken interest; he wants to spend it on the poor. An accident occurred in which his car was destroyed, and this accident was caused by a man.
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The Shaykh : The second question: A man placed some money in the bank, and they gave him the interest on the money to spend on the poor. It happened that he had an accident with his car, and it was destroyed due to the mistake of the driver of the other car, who is very poor. How is he very poor and has money in the bank?
The questioner : e: No, the one who caused the accident is very poor.
The Shaykh : Ah, the one who smashed the car. Okay, and he is very poor. So, does he spend on repairing his car from the interest money of this poor man and forgive him, or does he take from him what is written for him?
The questioner : ... .
The Shaykh : I mean, it means this money will benefit the one who needs to get it out. It is not permissible.
The questioner : e: It is not permissible?
The Shaykh : No, I mean, may Allah forbid, I was hit in an accident with my car.
The questioner : ... .
The Shaykh : Who benefits from the interest money?
The questioner : e: The poor man... he does not take from you, but this interest money...
The Shaykh : I will give an example... My car was hit by a striker, and he is poor, right? Okay, and I have money in the bank and took the interest; I want to give it to the poor, right? So, instead of giving it to that poor man, I will repair my car that the poor man smashed for me, right, as you are telling me? It is not permissible, because it is not permissible here twice. If the first is clarified, the second is clarified. It is not permissible to take the interest and give it to the poor.
The questioner : e: This is basically what is happening.
The Shaykh : Sister, what is happening is that we need to decide what is happening is wrong or right, or do we need to show the right from the wrong in what is happening? Some of it is right and some of it is wrong. The haram money is far from us. We issue fatwas: First, do not place money in the bank at all.
The questioner : e: Even if it is without interest?
The Shaykh : I will show you. Do not advise; be careful. Do not place money in the bank at all, except through the method of the trust fund where you pay a fee... you receive interest, you pay a monthly or annual fee... this is permissible. But placing money in the bank without interest does not work, without interest, because if you do not benefit, the bank benefits. This thousand, these ten thousand, these fifty thousand that I claimed a righteous man does not eat interest when he puts it in the bank, what is the bank doing with it? Is it keeping it for me? Am I keeping it for him? Or is it working it among people? It is working it among people, so he is eating from haram money and feeding haram. Who is the cause? I and you and so-and-so and so-and-so, and so on. Therefore, it is not permissible to place money in the bank at all, except by the way of the fee, a special trust fund for you, where the money you put in it, the employees' hands do not reach it and they do not deal with it in riba transactions. There is a person whom some people issued a lenient fatwa for, saying to him, "There is nothing on you if you put your money in the bank, as long as you do not take interest." Some people do this. So, if he was deceived and placed the money in the bank, then another mufti clarified to him, saying, "My brother, instead of them eating the interest, you take it and give it in charity to the poor and the needy." We say, first: stay away from the bank if you can, do not enter it at all, do not enter it. Second: if you are forced to preserve your money, then in a trust fund you pay a fee agreed upon between you and the bank. Third: if they entangled you and issued a fatwa that there is nothing on you to place money in the bank on the condition that you do not take interest, and you were entangled and placed your money, when you came to withdraw the money, a lot of interest came out, and a second mufti issued a fatwa that instead of them eating the interest, you take it and give it in charity. We say, no, this charity is not permissible to dispose of it, because you do not own this interest. The interest is haram, you are not its owner, so that you place it here and there, and so on. Finally, a person who could not get his principal except with interest, like some people tell us, so if it is not possible except this way, then this interest is not given as charity to a specific person, but it is emptied into public projects, not given to a specific person, do you understand how? A specific person, it is not spent on. But public facilities, for example, a road, a school, a library of Islamic books, and so on. Not to a specific person, it is not spent.
The questioner : ... .
The Shaykh : May Allah will it, we will understand it. You give it to Zayd from the people, whether he is poor or rich, you dispose of it, no, but you buy with it something that benefits the general Muslims, not a specific person. This is the last case, the last case, that you cannot get your principal except with the interest.
The questioner : ... .
The Shaykh: How?
The questioner : ... .
The Shaykh : I am telling you this. They said to us, some people, you are free... In my time, with some of our brothers, we bought land... which became housing now, after four or five years, the state confiscated it and divided the prices of the lands to their owners, each... four hundred papers with interest, I don't know how much. I wrote a request asking to be exempted from the mentioned interest, and so on, and I took my principal, actually. But in images, they showed us some of the brothers... they say, for example, some regular banks say to you, "This is what will come out to you, we do not know otherwise." Who takes this interest? You arrange your own head. And I suppose this image, if it is not possible except this way, then this money is not given in charity to a specific person, but in public facilities and public projects. And with this amount, it is sufficient, and praise be to Allah, Lord of the worlds.
The questioner : ... .
The Shaykh : No, it is not permissible.
The questioner : ... .
The Shaykh : Yes?
The questioner : e: Pensions.
The Shaykh : Pensions. There is a difference between the one whose pension is placed against his will, so he is not responsible for it, and the one who does it by his choice. Oh, Allah.
The questioner : e: No, the one who caused the accident is very poor.
The Shaykh : Ah, the one who smashed the car. Okay, and he is very poor. So, does he spend on repairing his car from the interest money of this poor man and forgive him, or does he take from him what is written for him?
The questioner : ... .
The Shaykh : I mean, it means this money will benefit the one who needs to get it out. It is not permissible.
The questioner : e: It is not permissible?
The Shaykh : No, I mean, may Allah forbid, I was hit in an accident with my car.
The questioner : ... .
The Shaykh : Who benefits from the interest money?
The questioner : e: The poor man... he does not take from you, but this interest money...
The Shaykh : I will give an example... My car was hit by a striker, and he is poor, right? Okay, and I have money in the bank and took the interest; I want to give it to the poor, right? So, instead of giving it to that poor man, I will repair my car that the poor man smashed for me, right, as you are telling me? It is not permissible, because it is not permissible here twice. If the first is clarified, the second is clarified. It is not permissible to take the interest and give it to the poor.
The questioner : e: This is basically what is happening.
The Shaykh : Sister, what is happening is that we need to decide what is happening is wrong or right, or do we need to show the right from the wrong in what is happening? Some of it is right and some of it is wrong. The haram money is far from us. We issue fatwas: First, do not place money in the bank at all.
The questioner : e: Even if it is without interest?
The Shaykh : I will show you. Do not advise; be careful. Do not place money in the bank at all, except through the method of the trust fund where you pay a fee... you receive interest, you pay a monthly or annual fee... this is permissible. But placing money in the bank without interest does not work, without interest, because if you do not benefit, the bank benefits. This thousand, these ten thousand, these fifty thousand that I claimed a righteous man does not eat interest when he puts it in the bank, what is the bank doing with it? Is it keeping it for me? Am I keeping it for him? Or is it working it among people? It is working it among people, so he is eating from haram money and feeding haram. Who is the cause? I and you and so-and-so and so-and-so, and so on. Therefore, it is not permissible to place money in the bank at all, except by the way of the fee, a special trust fund for you, where the money you put in it, the employees' hands do not reach it and they do not deal with it in riba transactions. There is a person whom some people issued a lenient fatwa for, saying to him, "There is nothing on you if you put your money in the bank, as long as you do not take interest." Some people do this. So, if he was deceived and placed the money in the bank, then another mufti clarified to him, saying, "My brother, instead of them eating the interest, you take it and give it in charity to the poor and the needy." We say, first: stay away from the bank if you can, do not enter it at all, do not enter it. Second: if you are forced to preserve your money, then in a trust fund you pay a fee agreed upon between you and the bank. Third: if they entangled you and issued a fatwa that there is nothing on you to place money in the bank on the condition that you do not take interest, and you were entangled and placed your money, when you came to withdraw the money, a lot of interest came out, and a second mufti issued a fatwa that instead of them eating the interest, you take it and give it in charity. We say, no, this charity is not permissible to dispose of it, because you do not own this interest. The interest is haram, you are not its owner, so that you place it here and there, and so on. Finally, a person who could not get his principal except with interest, like some people tell us, so if it is not possible except this way, then this interest is not given as charity to a specific person, but it is emptied into public projects, not given to a specific person, do you understand how? A specific person, it is not spent on. But public facilities, for example, a road, a school, a library of Islamic books, and so on. Not to a specific person, it is not spent.
The questioner : ... .
The Shaykh : May Allah will it, we will understand it. You give it to Zayd from the people, whether he is poor or rich, you dispose of it, no, but you buy with it something that benefits the general Muslims, not a specific person. This is the last case, the last case, that you cannot get your principal except with the interest.
The questioner : ... .
The Shaykh: How?
The questioner : ... .
The Shaykh : I am telling you this. They said to us, some people, you are free... In my time, with some of our brothers, we bought land... which became housing now, after four or five years, the state confiscated it and divided the prices of the lands to their owners, each... four hundred papers with interest, I don't know how much. I wrote a request asking to be exempted from the mentioned interest, and so on, and I took my principal, actually. But in images, they showed us some of the brothers... they say, for example, some regular banks say to you, "This is what will come out to you, we do not know otherwise." Who takes this interest? You arrange your own head. And I suppose this image, if it is not possible except this way, then this money is not given in charity to a specific person, but in public facilities and public projects. And with this amount, it is sufficient, and praise be to Allah, Lord of the worlds.
The questioner : ... .
The Shaykh : No, it is not permissible.
The questioner : ... .
The Shaykh : Yes?
The questioner : e: Pensions.
The Shaykh : Pensions. There is a difference between the one whose pension is placed against his will, so he is not responsible for it, and the one who does it by his choice. Oh, Allah.
Source
www.al-albany.com
The Arabic text is copied verbatim from the original source, without any edits.