Is taking student loans haram for Muslims in the West? - Q&A - Sh. Dr. Haitham al-Haddad
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- Опубликовано: 7 апр 2016
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The Prophetic Hadith states clearly the seriousness and danger of Riba "To devour one Dirham (currency) of Riba is worse than committing Zina (adultery and fornication) thirty-six times." [Ahmad and others].
Another Hadith reads: "Riba consists of seventy-three kinds of evil, and the least of them is like having sex with one's own mother." [Ibn Majah , al-Hakim and others].
In the West, specifically in Norway, Muslims can get student loans, where some portion of the loan will be converted into a scholarship if you pass the exams, otherwise it remains a loan. On the loan there is no interest as long as you are a student, but when you have finished your studies interest is added to the loan. Is this loan haram? Would the person who take it be like a man having sex with his own mother? Listen to Sh. Dr. Haitham al-Haddad explain the ruling on this matter in detail. #IslamNet #IslamQAV #Islam 
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Great answer by the Sheikh. Seeing this well educated and nuanced answer on this topic really makes me happy.
I have seen more than enough videos on youtube by self-proclaimed google sheikh, overzealous young brothers, who throw fatwa left and right and say it's haram haram haram. Really shame.
they intend it as a loan not an investment,therefore its haram
It’s haram
whallah you dont know all dont claim it you must look at different angles too its not haram to look at different ways too its more like a service from society not typical loan like from banks and credit cards thats pure riba we can agree on but dont come here and say all is riba when its not we have our own thinking
@@ahmedturgut1882whallah you dont know all dont claim it you must look at different angles too its not haram to look at different ways too its more like a service from society not typical loan like from banks and credit cards thats pure riba we can agree on but dont come here and say all is riba when its not we have our own thinking
If it was like an investment contract it would be called that. It’s called a student loan with APR interest rates usually at 1% which increases each year whether you work or not, you will still owe them money, it’s still going to be applied once you earn at least £22,000 which is literally nothing for an income, so everyone will generally pay unless they work part time for the rest of their life.
@@drsethranking5894salafi has nothing to do with these fatwa
Jazakumu Allahu kheyra
You can pay cash tuition fees, interest based loan is not the only option.
Like he said this is not a typical loan. Just say u take loans for 3 years. So £9250x3 plus £7000x3 maintanenace loan. That's £48750 plus whatever the intrest but let's looks at £48750 for now.
Intrest means paying more then what u borrowed.
Now just say ur earning £30000 a year which is £3000 more then the threshold so 9% of £3000 is £270. £270 x 30 years is £8100. So ur still not paying intrest. It doesnt even cover what u borrowed. Intrest means borrowing from a lender and repay above the original amount. Ur nowhere near even paying what u borrowed.
But don't you agree to the contract with the knowledge that interest will be constantly accruing?
It is not haram unless the repayment is doubled and multiplied, which according to the Quran is haram.
.... i would rather work in a farm than take out a student loan.
Very good answer.
It is 100% haram. If you borrow X from the government and told you have to pay back X + Y then that Y is ribba. There is no loophole around it. Student loans have interest.
ADZ4Life what do i do with my life. I just applied to uni
@@GP-eq3gh I went to uni it is not as great as people think it is. Many people end up doing casual unrelated jobs after their degree whilst being thousands of pounds in debt. Not worth it. Get a skill or an apprenticeship and start work. Then learn How to work toward building passive income streams.
You just didn't understand anything he said
@@Hassan8619 explain it to me then how it isn't interest?
@Kalzy it is haram. Just because your desires does not want it to be it doesn't change the reality. So it's your test.
I appreciate there is pressure on Muslims regarding student loans and their policy on usury. Indeed I love the Islamic policy on usury and wish it is mainstream practice in all of society. However unless there is a change in the law for all, to exempt Muslim students from usury in student loans is discrimination. One cannot combine religion with secular activity. If one does then either the UK is all Muslim, or all Christian or all Buddhist for that matter. It does not work, and cannot work. We are to be accepting and tolerant of each other's spiritual belief, but we are all to be under a common secular law. After all be he Muslim, Christian or Jew, all are to observe the same speed limits.
Says it’s a Christian country on Wikipedia
But what about his: the government gives you money because you are a student. Your study is done in 1,5 year. When you don’t finish your study with in 10 years then you need to pay it back. Is this haram. You only need to pay it back if you don’t finish it with in 10 years
But how will the government give loan to the student? Through a government Bank right?
It's not a joke waging a war against the creator of the universe and what it contains. The moment you put your name on list in agreement of the terms and conditions that when curse starts. Forget about the rest of your blah blah. ...
obviously, the internet youtuber is a better scholar.
@@BigBrother4Life you only need to read the Quran and Sunnah to get a clear answer
Both are haram but riba is what makes you wag a war not taking loan.
Waging war is the one who recieves the interest
Then how can i study university?
I know the sheikh. I always admire his work but I am not convinced that student loan is Halal.
I have not heard any other sheikh saying the same thing. Majority of scholars are against student loans because terms and conditions clearly state that interest will be charged.
What is the ruling on HECS-Help? They say it’s interest-free, but there is an indexation based on Consumer Price Index (CPI), so they’re ensuring the value loaned is in line with the value of money in CPI, so we end up by paying more each year than originally loaned because they want to maintain the money’s value...I’m saying it’s haram but no one wants to believe me just because their sheikhs said otherwise, just like the sheikh in this video.
You received a value. You should repay that value...
@@kenw1248 duh
We should avoid the music in the start, pls take it out brothers
it doesnt include music ihs jus vocals
So what if then I DO graduate BUT I DON'T work in the field that the government has "invested" in me (so I study engineering and then I work as a delivery driver). In this case, the government will still take money from you even though technically their "investment" in me failed and that exceed the salary threshold for them to start taking money from me plus interest. Is this then still classed as a "return in their investment" and is it ever possible for the governments "investment" to fail?
EDIT: Even if I fail uni, I would still have to pay what I loaned plus interest, so is it now then classed as usury?
Indeed
I don't know what the actual ruling is but people are not supposed to get a fatwa just on what's convenient to them
You could argue that the government is still investing in you to develop the necessary skills to succeed in whichever career path you take?
@@samiharb1684 Is that an argument you're willing to take to Allah?
I think most people misunderstood because they didn't pay attention to the conditions he ASSUMED were set at 8:10. Had he said as another condition, for example, "Interest accumulates even though the student is not earning money", Undoubtedly, he would have said that taking the loan is Haram. But based on the conditions he mentioned, assuming those are the only conditions, it is clearly an investment despite it being called a loan.
What people need to look at is the Shariah definitions. What constitutes as what within Shariah. I myself have no knowledge on Shariah compliant finance and transactions. We all need to look more into that under the supervision of a knowledgeable ustdath In shaa Allah.
No matter how many times I listen to this. Government is lining their pockets with Riba. Allah knows best.
I took out loans and it ruined my deen and my life and I'm still suffering from the effects.
Wdum the effects?
I used to able to pray sunnah fard and voluntary with ease. As soon as I took out a loan, my relationships with my friends and family especially my mother started to destruct and my ability to worship began to diminish, it got to a point where I stopped praying all together and I even shaved my beard, these are things I would have never considered doing prior to the loan. I heard Mufti Menk say that a person who eats interest, his thoughts become possessed by the devil and other scholars say ALLAH wages war with those who eat interest. 5 years later I'm only just starting to pray again but I can barely make the 5 fard and sunnahs are too difficult and as for my relationships they seem ruined beyond repair. Insha Allah Allah forgives me and restores my life.
@@iboxkhan5599 Brother, ik you might be going through a tough time, but please remember this, never despair or feel like your lord has abandoned you. Remember that as long as your sincere with your repentance to Allah, he will most definitely forgive you, and he is al ghafur, and the most forgiving, for you to say he isn't is a direct insult to him. Allah gives and forgives and we get and forget. For me personally I'm still deciding whether or not to go uni and after watching lots of talks on RUclips, I dont think i would be going:(
Insha Allah he makes it easy for you, and keep smiling, never despair, Allah will forgive you, and keep praying to him, and beg him to help you and guide you and he will for sure. May Allah make it easy for you ameen. We're all struggling in one sense or another, your not alone.
@@mehroos3307 Jazak Allah for taking the time to send me this message of hope. My Allah take away any struggles you may face now or in the future and may you have a peaceful life. Ameen
@@iboxkhan5599 leave whatever you have left from the riba, repent to Allah and increase your good deeds even if it is hard. Allah is most forgiving
Guys I'm not going to UNI yet but get my Student Loan on MARA which has no interest helped buy a Muslim who recommend me take it,
I haven't went to UNI yet but i already applied for the course and Pay my Money
Is my Loan that has no zero Interest i take (MARA) is still Haram :(
No
If I rob your home and say that I'm just lending money does that mean I'm lending money and does that make it halal me calling it lending rather than robbing?
And people come and say he never said robbing is halal he said lending is halal. What kind of a nonsense is this?
Sheikh Haitham admitted that Omar Suleiman from America came up with this notion as he is an expert in Islamic finance. What credibility does Omar Suleiman has? Loan is loan, Riba is riba, stealing is stealing end of story.
These so called scholars need to go, Sheikh Haitham, Omar Suleiman, Yasir Qadhi. They are trying to change the religion of Allah SWT to please people. They should fear Allah SWT and repent.
He was talking about Umer Suleman from Wahed Invest not Omer Suleiman from Yaqeen Institue 🙄.
Omer Suleiman says a conventional mortgage for a house is not permissible as it is not a necessity.
Annoying. He keeps waving his hands around and constantly agrees with himself. "Yeah" "okay""yeah"
The loan is not an agreement of investment. Additionally, neither can an investment be halaal if the profit is fixed. Moreover, in most cases degree is a waste of time. A Muslim can work many jobs without any degree. The degree is not farz. Thus, student loan or any kind of loan is haraam. Allah knows.
The best jobs such as being a doctor requires a student loan
@@user-sk4dp2pk5n no. U can work for a few years save money then go to uni
This type of mentality is why we Muslims are not successful as other groups eg Jews, in education. If you pay interest for a mortgage for a house or insurance, why make a fuss about student loans?
@@fuadahmed5501 mortgage on house is also haram. Also success comes from relying on Allah. Why do you look at disbelievers to reassure your doubts?
whallah you dont know all dont claim it you must look at different angles too its not haram to look at different ways too its more like a service from society not typical loan like from banks and credit cards thats pure riba we can agree on but dont come here and say all is riba when its not we have our own thinking
In new zealand our student loan has interest of it BUT if ure working in new zealand the loan becomes interest free and it is written off aslong as you are working in new zealand. You will need to start paying interest if u decide to work overseas for over 6month. But otherwise the loan is interestfree. Is this halal or haram?
For as long as it is interest free it should be halal but I have no proof. I just know that interest is what makes the loan haram. But as soon as it requires interest from you it becomes haram so maybe avoid it in general just to stay safe and way from it.
bruv stay away from it !!! As i understand from ur words its definitely interest or ribah...Be careful !!! It is really really important.
Akhi ask a trusted person of knowledge, not the RUclips comment ulama
Do whatever it takes to study, it is that important in Islam.Anyone who says studying is not compulsory is an enemy of Islam or very ignorant.
What if I couldn't afford the University and applied for the loan?
Do you mean you have already applied and finished uni?
If so i would contact scholars and research the way to move on. try islamqa and visit your local mosque to see about what can be done.
@@ahmedratib3869 I’m still in my last year of university
For the sake of Allah just drop out we should all strive to do things that please Allah no matter what it is. You can always do an apprenticeship.
@@aminanajomo5137 how am I supposed to get a degree or a job, I can't get a job without a degree
@@Mariam-Sannoe do not drop out!
You are close to finish and Allah knows your heart. I only just found out about this halal/ haram debate over loans but I do not see what most of us can do. Without unconditional financial support from parents we cannot survive.
It's not a loan?... It's called a student 'loan'.
This confused me as well but I think it's about the intention and not the name. For example, ginger 'beer' isn't actually beer and is not alcoholic so is technically permissible to drink.
@@HamzaKhan-ti6bw it actually is loan that you pay back with intrest.
I’m forced to go to college and I must take a loan
Or you can just not go to college if you really don’t want to and whoever is forcing you tell them that taking out a loan like this is haram and hopefully they’ll understand
Mustafa Khan explain to me how they are halal, also be careful of what you say cause saying something is halal when it is haram, is a very big sin in Islam
Mustafa Khan Mustafa Khan but when you are able to pay the loans your still paying for more than they initially gave you which is Ribba, and whether you get hold of the money In the first place or not, it’s is still on your name and linked backed to you, at the end of the day it’s interest whether you believe it or not and it’s one of the biggest sins in Islam so be careful
Mustafa Khan how can it be halal when you are paying interest
Mustafa Khan but it is haram so I don’t know why your making fun of something that is a very big sin in Islam
I’m initially from Australia and moved to the UK for university. I had to self pay the 30k tuition. I managed to do this by working 2 jobs before I arrived which paid 50% of the tuition and the the rest was paid by evening jobs and a bit of support from family. I’d advise to go through the same route..it’s a gap year to be independent and make your own money. Don’t rely on your parents if you don’t come from a rich family
Sheikh I've taken $12k student aid loan is that haram ? If I'm going to pay it back and i don't know how I'm going to pay it back
i recommend asking islamqa (site) but i would say it depends if the loan has interest or not
@@mohamedghassenmahjoub6076 islamqa site?
@@amiir2706 yeah just write islamqa and u can try asking the question there
@@amiir2706 NEVER trust islamqa. Its a wahabbi saudi funded site
If we take student loans, we are not eating up Riba. We are given a fixed amount of money which does not increase with time. The government, however are, as long as you are between a certain age and earn even a decent salery.
Therefore, surely the haraam is only on the government for forcing its poorer citizens into a position where the government eats Riba off of them? There is no other reliable way of going to university, which may be crucial for a person in persuing the life they need to live.
Btw riba works both sides also the one writing it, and the one witnessing it as well the loaner and loanee
@@missfarry3222 Im using the logic that if there's no alternative, then there's nothing haram about being oppressed.
There is an alternative, this is simply a limit of mindset.
@@SIGSEGV1337 being underfed, and without hours in the day for a job? Alright.
@@OrbitalPulsar Mate you're literally not gonna starve if you don't go to college.
What i take the loans and not earn over 25k for the next 30 years inshaALLAH Then i dont have to pay back. Is that halal.
@hasnian is fat the threshold is going up every year. Started at 25k next will be 27k
Not halal, you agreed with the loan company you will pay back with interest
@@MS-kx5ey I'm not gona earn over threshold so how am I paying back. The threshold is going up every year
@@khanali5421 You still owe them. You agreed as well. Islam takes the matter of debt very seriously and warns against it and urges the Muslim to avoid it as much as possible. The Messenger of Allah (peace and blessings of Allah be upon him) said: “Whoever dies free from three things - arrogance, cheating and debt - will enter Paradise.” Narrated by al-Tirmidhi (1572); classed as saheeh by al-Albaani in Saheeh al-Tirmidhi.
@@fahimaihthey agree on the contract that if u die its cleared
Brothers pls remove the music at the start
but bro its not music !!!
Not typical loan, explains that to the prophets and Allah and the Angels.
Subhan Allah I was going to say the same thing, many of the shuyookh are starting to compromise and we ask for Allah SWT’s forgiveness
Then u can't own house ever .. and u can't study ever.. understand the spirit of why it is not allowed.. here education or housing can't be done without loan. Both are necessity.
They have removed the interest on the student loans from 2023 onwards alhamdulillah
@@abelievereverrising283 how?
@@arshadqazi4463 i don't think Allah will ask you about owning a house or not
Dont forget that tuition and fees constitute less than half of a university's budget. In most countries, operating grants and research grants from the government, and money from endowments cover more of the university budget than tuition. So the cost "value" of a university education is far more than the tuition you pay (or borrow for).
My intention is to get the loans and not earn over 25k so i dont pay back. Is that halal
No akhi
Akhi that’s deception. That’s their right don’t do that Insha’Allah
I have seen this man been asked which Jihadi Group is on the Haq and he could not answer. He couldn't even say none of them or that group. Because of this i will never take any knowledge from him
He is misguiding generation stops advising wrong fatwa
yep i will never take student loans
How can you find a way around student loans?
FBI coz you’re dumb uni ain’t an option for you anyways 😂
@@mahfuzhasan576 you are the ceo of nasa ya donkey?
whallah you dont know all dont claim it you must look at different angles too its not haram to look at different ways too its more like a service from society not typical loan like from banks and credit cards thats pure riba we can agree on but dont come here and say all is riba when its not we have our own thinking
Making halal which our Creator has made haram. Beating around the bush and trying to make it forcibly halal. Misleading people and taking them to hell.
Who said its haram , do your research
@@ahmedarshe4334 who in their right mind would say that Riba interest is not haram?
The question was asked in a very loaded manner to get the answer the questioner wanted, be careful of sneaky people like this man.
Not satisfactory at all. Completely out of focus reply.
Why the hell you want to study by taking Loan. Instead do what is manageable for you but not at the cost of your Aakhira.
What a stupid question?? There is a riba on it. Go and study in great Universities in one of Muslim countries.
You think universities in Muslim countries don't take loans?
astagfurillah. i really thought this brother had more integrity. what happened to "fear Allah as much as we can?"
Would you rather have Muslims working as janitors and cashiers? What about having more significant roles in societies like doctors, engineers and world leaders?
@@staas1737 those are all fine, but you cannot make the haram halal. you can do those things, but you might have to sacrifice, you might have to work harder than everybody else to get to that point. But it's for the sake of Allah, and that is the Jihad. you'd rather go to the bank than go to Allah and make Dua'a and put your trust in Him Alone? What does Surah Fatiha say, we recite it at minimum 17 times a day. Is it in Riba we rely on? NO it is Allah who we rely on Alone!
Further if you want to be a doctor and engineer then you would have worked hard in high school and gotten scholarships to pursue these degrees. And moreover, degrees don't mean what they used to. The market is over saturated with degrees, people aren't finding jobs after they graduate, so now you're stuck with ridiculous debt that you CHOSE to do when Allah warned against it. Allah destroys Riba and increases Zakat and Sadaqah.
You do realize Riba is prohibited in all three of the Abrahamic Faiths, it's in the Bible as well.. Jews know this, that's why they dont do Riba themselves but charge it on others. And that's what they were doing in Germany before the Holocaust, you could say they were punished for that. Allah Knows Best.
@@fastng Riba was like loan sharking and predatory lending on the poor. Interest in modern financial markets between millions of consumers, businesses and pensioners is not riba. Christians and Jews have evolved their views since the middle ages when debtors were abused and exploited.
@@roberthannah7983 so christians and jews are a higher Authority than Allah and His Messenger, peace be upon him?
you're using the term riba, so are you Muslim?
usury, interest, whatever you want to call it it is still riba, and it is compared as waging a war against Allah in The Qur'an. have fun waging a war with The Creator Almighty.
@@fastng I only mention christians and jews as you did. They are not "authorities" - but they are people of the book who condemned usury for its evils at the time as did Islam. Perhaps you have been reading too much of the angry Islamic ideologues like Syed Qutb (Islamic Brotherhood) and Maududi ( Jamaat Islami) who dont like modern progress.
I do not agree with this oversimplification of a complicated issue.
What’s bro waffling about
Can a man do evil and pray to Allah to forgive and then go to paradise? Is that possible? Can you fool Allah and the Messenger? Is that possible?who knows and who cares? 0%
1. A key difference between a practicing believer and a non practicing believer is the practicing one is constantly trying to repent and improve himself, so he may be forgiven. All humans are prone to error and evil acts. Even the prophet Musa (p) killed a man in a fight, committing manslaughter.
2. You can fool the Prophets (p) as they were mere men - nothing more than messengers. The angels could also be fooled as they also do not know nor see everything. Allah is the only one you will never ever fool, as he knows even every thought before we think them.
@@OrbitalPulsar brother to be honest am in confusion because am planning to apply for university and I study drama and for the future I’d love to become a drama teacher and the only way I can do that is to get a BA degree and I also suffer from moderate learning difficulty and also I can’t handle working and paying off the fee it’s too much stress and am nearly 22 years old soon starting uni so is it a necessity to apply for this loan
@@hakmatmousa412 Bro Im 21 and I have learning disability and adhd, so while normal people can handle 4-6 courses in college or university, I can only handle 1. I went to college when I was 17 and drop out at 18 for allah and I see so much blessings. Allah cleared my debt and interest without me having to work at all. OBEY ALLAH AND HE WILL SUFFICE YOU. it takes time tho allah will test you.
@@mysticminority9060 thanks
@@mysticminority9060 I understand what u saying but that’s the only job I want and also I wanna move out of London and live in the middle east or Australia and work and the the only way I could do that is to get a degree and some people say work instead and pay upfront but it’s long and I can’t handle the stress I know myself
I suggest u take this down he hasn’t ONCE mentioned an ayah or hadith to back up his point stop being blind followers and remove this, itaqillah
Sh. Haitham you got it very wrong.
Not an Islamic explanation, unfortunately. "Interest is interest", I believe this Sheikh is twisting the interest in a different way. The loan contract does NOT talk about investment, shared etc.
The sheikh has studied Islamic finances in Uk and understands it
whallah you dont know all dont claim it you must look at different angles too its not haram to look at different ways too its more like a service from society not typical loan like from banks and credit cards thats pure riba we can agree on but dont come here and say all is riba when its not we have our own thinking
what a load of guff.fear ALLAH
Very ignorant answer! RIBA IS RIBA REGARDLESS OF WHOM YOU ARE TAKING FROM.
whallah you dont know all dont claim it you must look at different angles too its not haram to look at different ways too its more like a service from society not typical loan like from banks and credit cards thats pure riba we can agree on but dont come here and say all is riba when its not we have our own thinking
I would rather lick the streets with my younger than ever take a student loan
What you said is clearly false stop misguiding people
soo its not haram....
It is. do a little research and check what scholars say about it.
riba has always been haram, even if it's called something different.
@@ahmedratib3869 i did but theres different opinions and some scholars agree some dont but i dont have no other choice u see
@@aaminah8385 The differences stem from the circumstances that some people state they are in, since necessity permits Haram.
no scholar that i know of has stated it is halal outside the necessities.
these necessities are death(the fear of it if the loan isn't taken), grievous harm or extreme poverty. *where no other choice is available*
A university degree doesn't fill any of these criteria, and any claims that certain people make regarding student loans not being haram because they are not "standard" riba are false since the contract itself is haram regardless of it's outcome.
you may not like what i say but this is the stance of all scholars on this issue.
only you know your circumstances so my best advice would be to contact an actual scholar (no offense to sh.haitham we all make mistakes) and explain the details.
وَمَنْ يَتَّقِ اللَّهَ يَجْعَلْ لَهُ مَخْرَجًا * وَيَرْزُقْهُ مِنْ حَيْثُ لَا يَحْتَسِبُ وَمَنْ يَتَوَكَّلْ عَلَى اللَّهِ فَهُوَ حَسْبُهُ. { الطلاق: 2، 3 }.
@@ahmedratib3869 what about care insurance?
whallah you dont know all dont claim it you must look at different angles too its not haram to look at different ways too its more like a service from society not typical loan like from banks and credit cards thats pure riba we can agree on but dont come here and say all is riba when its not we have our own thinking