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Is the PayPal Working Capital Cash Advance Shariah compliant?

  • August 2, 2021
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  1. [1] http://www.investopedia.com/articles/investing/020614/learn-simple-and-compound-interest.asp
  2. Simple interestย is where the amount of interest earned is fixed over time. For example, if you saved ยฃ1000 at 4% simple interest you would earn ยฃ40 per year, every year.ย The amount of interest earned stays the same when dealing with simple interest.ย 
  3. Compound interestย is where interest is paid on the amount already earned leading to greater and greater amounts of interest. For example ยฃ1000 at 4% compound interest would earn you ยฃ40 in the first year but in the second year you would earn 4% on the new amount of ยฃ1040 which would be ยฃ41.60.
  4. ย 
  5. [2] ย ูˆูŽู„ูŽูŠู’ุณูŽ ุงู„ู’ู…ูุฑูŽุงุฏู ู…ูุทู’ู„ูŽู‚ูŽ ุงู„ู’ููŽุถู’ู„ู ุจูุงู„ู’ุฅูุฌู’ู…ูŽุงุนู ููŽุฅูู†ูŽู‘ ููŽุชู’ุญูŽ ุงู„ู’ุฃูŽุณู’ูˆูŽุงู‚ู ูููŠ ุณูŽุงุฆูุฑู ุจูู„ูŽุงุฏู ุงู„ู’ู…ูุณู’ู„ูู…ููŠู†ูŽ ู„ูู„ูุงุณู’ุชููู’ุถูŽุงู„ูุŒ ูˆูŽุงู„ูุงุณู’ุชูุฑู’ุจูŽุงุญูุŒ ูˆูŽุฅูู†ูŽู‘ู…ูŽุง ุงู„ู’ู…ูุฑูŽุงุฏู ููŽุถู’ู„ูŒ ู…ูŽุฎู’ุตููˆุตูŒ ููŽู„ูุฐูŽู„ููƒูŽ ุนูŽุฑูŽู‘ููŽู‡ู ุดูŽุฑู’ุนู‹ุง ุจูู‚ูŽูˆู’ู„ูู‡ู (ููŽุถู’ู„ู ู…ูŽุงู„ู ุจูู„ูŽุง ุนููˆูŽุถู ูููŠ ู…ูุนูŽุงูˆูŽุถูŽุฉู ู…ูŽุงู„ู ุจูู…ูŽุงู„ู) ุฃูŽูŠู’ ููŽุถู’ู„ู ุฃูŽุญูŽุฏู ุงู„ู’ู…ูุชูŽุฌูŽุงู†ูุณูŽูŠู’ู†ู ุนูŽู„ูŽู‰ ุงู„ู’ุขุฎูŽุฑู ุจูุงู„ู’ุนููŠูŽุงุฑู ุงู„ุดูŽู‘ุฑู’ุนููŠูู‘ ุฃูŽูŠู’ ุงู„ู’ูƒูŽูŠู’ู„ู ูˆูŽุงู„ู’ูˆูŽุฒู’ู†ูุŒ ููŽููŽุถู’ู„ู ู‚ูŽูููŠุฒูŽูŠู’ ุดูŽุนููŠุฑู ุนูŽู„ูŽู‰ ู‚ูŽูููŠุฒูŽูŠู’ ุจูุฑูู‘ ู„ูŽุง ูŠูŽูƒููˆู†ู ุฑูุจู‹ุงุŒ ูˆูŽูƒูŽุฐูŽุง ููŽุถู’ู„ู ุนูŽุดูŽุฑูŽุฉู ุฃูŽุฐู’ุฑูุนู ู…ูู†ู’ ุซูŽูˆู’ุจู ู‡ูŽุฑูŽูˆููŠูŒู‘ ุนูŽู„ูŽู‰ ุฎูŽู…ู’ุณูŽุฉู ู…ูู†ู’ู‡ูุŒ ูˆูŽู‚ูŽูŠูŽู‘ุฏูŽ ุจูู‚ูŽูˆู’ู„ูู‡ู ุจูู„ูŽุง ุนููˆูŽุถู ุฃูŽูŠู’ ุฎูŽุงู„ู ุนูŽู†ู’ู‡ู ู„ููŠูŽุฎู’ุฑูุฌูŽ ุจูŽูŠู’ุนู ูƒูุฑูู‘ ุจูุฑูู‘ ูˆูŽูƒูุฑูู‘ ุดูŽุนููŠุฑู ุจููƒูุฑูŽู‘ูŠู’ ุจูุฑูู‘ ูˆูŽูƒูุฑูŽู‘ูŠู’ ุดูŽุนููŠุฑู ููŽุฅูู†ูŽู‘ ู„ูู„ุซูŽู‘ุงู†ููŠ ููŽุถู’ู„ู‹ุง ุนูŽู„ูŽู‰ ุงู„ู’ุฃูŽูˆูŽู‘ู„ู ู„ูŽูƒูู†ูŽู‘ู‡ู ุบูŽูŠู’ุฑู ุฎูŽุงู„ู ุนูŽู†ู’ ุงู„ู’ุนููˆูŽุถู ู„ูุตูŽุฑู’ูู ุงู„ู’ุฌูู†ู’ุณู ุฅู„ูŽู‰ ุฎูู„ูŽุงูู ุฌูู†ู’ุณูู‡ู.
  6. ูˆูŽู‚ูŽูŠูŽู‘ุฏูŽ ุจูุงู„ู’ู…ูุนูŽุงูˆูŽุถูŽุฉู ู„ูุฃูŽู†ูŽู‘ ุงู„ู’ููŽุถู’ู„ูŽ ุงู„ู’ุฎูŽุงู„ููŠูŽ ุนูŽู†ู’ ุงู„ู’ุนููˆูŽุถู ุงู„ูŽู‘ุฐููŠ ูููŠ ุงู„ู’ู‡ูุจูŽุฉู ู„ูŽูŠู’ุณูŽ ุจูุฑูุจู‹ุงุŒ ูˆูŽุชูŽุฑูŽูƒูŽ ุงู„ู’ู…ูุตูŽู†ูู‘ูู ู‚ูŽูŠู’ุฏู‹ุง ู„ูŽุง ุจูุฏูŽู‘ ู…ูู†ู’ู‡ูุŒ ูˆูŽู‡ููˆูŽ ุฃูŽู†ู’ ูŠูŽูƒููˆู†ูŽ ุงู„ู’ููŽุถู’ู„ู ุงู„ู’ุฎูŽุงู„ููŠ ู…ูŽุดู’ุฑููˆุทู‹ุง ูููŠ ุงู„ู’ุนูŽู‚ู’ุฏู ู„ูุฃูŽุญูŽุฏู ุงู„ู’ู…ูุชูŽุนูŽุงู‚ูุฏูŽูŠู’ู†ูุŒ ูˆูŽู‚ูŽุฏู’ ู‚ูŽูŠูŽู‘ุฏูŽู‡ู ุจูู‡ู ูููŠ ุงู„ู’ูˆูู‚ูŽุงูŠูŽุฉูุŒ ูˆูŽู‚ูŽุงู„ูŽ ุดูŽุงุฑูุญูู‡ูŽุง ุฅู†ูŽู‘ู…ูŽุง ู‚ูŽูŠูŽู‘ุฏูŽ ุจูู‡ู ู„ูุฃูŽู†ูŽู‘ู‡ู ู„ูŽูˆู’ ุดูุฑูุทูŽ ู„ูุบูŽูŠู’ุฑูู‡ูู…ูŽุง ู„ูŽุง ูŠูŽูƒููˆู†ู ุฑูุจู‹ุงุŒ ูˆูŽูููŠ ุงู„ู’ุจูู†ูŽุงูŠูŽุฉู ู‚ูŽุงู„ูŽ ุนูู„ูŽู…ูŽุงุคูู†ูŽุง ู‡ููˆูŽ ุจูŽูŠู’ุนูŒ ูููŠู‡ู ููŽุถู’ู„ูŒ ู…ูุณู’ุชูŽุญูู‚ูŒู‘ ู„ูุฃูŽุญูŽุฏู ุงู„ู’ู…ูุชูŽุนูŽุงู‚ูุฏูŽูŠู’ู†ู ุฎูŽุงู„ู ุนูŽู…ูŽู‘ุง ูŠูู‚ูŽุงุจูู„ูู‡ู ู…ูู†ู’ ุนููˆูŽุถู ุดูุฑูุทูŽ ูููŠ ู‡ูŽุฐูŽุง ุงู„ู’ุนูŽู‚ู’ุฏูุŒ ูˆูŽุนูŽู„ูŽู‰ ู‡ูŽุฐูŽุง ุณูŽุงุฆูุฑู ุฃูŽู†ู’ูˆูŽุงุนู ุงู„ู’ุจููŠููˆุนู ุงู„ู’ููŽุงุณูุฏูŽุฉู ู…ูู†ู’ ู‚ูŽุจููŠู„ู ุงู„ุฑูู‘ุจูŽุงุŒ (ุชุจูŠูŠู† ุงู„ุญู‚ุงุฆู‚ ุฌ 6 ุต 135 ุฅู…ุฏุงุฏูŠุฉ)
  7. (ู‚ูŽูˆู’ู„ูู‡ู ูˆูŽุชูŽุฑูŽูƒูŽ ุงู„ู’ู…ูุตูŽู†ูู‘ูู ู‚ูŽูŠู’ุฏู‹ุง ู„ูŽุง ุจูุฏูŽู‘ ู…ูู†ู’ู‡ู ุฅู„ูŽุฎู’) ุนูุจูŽุงุฑูŽุฉู ุงุจู’ู†ู ุงู„ู’ูƒูŽู…ูŽุงู„ู ุฎูŽุงู„ู ุนูŽู†ู’ ุนููˆูŽุถู ุดูุฑูุทูŽ ูููŠ ุฃูŽุญูŽุฏู ุงู„ู’ุจูŽุฏูŽู„ูŽูŠู’ู†ู ู‚ูŽุงู„ูŽ ูููŠ ุดูŽุฑู’ุญูู‡ู ููŽู„ูŽูˆู’ ูˆูุฌูุฏูŽ ุงู„ู’ููŽุถู’ู„ู ูููŠ ุฃูŽุญูŽุฏู ุงู„ู’ุจูŽุฏูŽู„ูŽูŠู’ู†ูุŒ ูˆูŽู„ูŽู…ู’ ูŠูŽูƒูู†ู’ ู…ูŽุดู’ุฑููˆุทู‹ุง ูููŠ ุงู„ู’ุนูŽู‚ู’ุฏู ุฃูŽูˆู’ ูƒูŽุงู†ูŽ ู…ูŽุดู’ุฑููˆุทู‹ุง ูููŠู‡ูุŒ ูˆูŽู„ูŽู…ู’ ูŠูŽูƒูู†ู’ ูููŠ ุฃูŽุญูŽุฏู ุงู„ู’ุจูŽุฏูŽู„ูŽูŠู’ู†ู ุจูุฃูŽู†ู’ ูŠูŽูƒููˆู†ูŽ ู„ูุบูŽูŠู’ุฑู ุงู„ู’ุจูŽุงุฆูุนู ูˆูŽุงู„ู’ู…ูุดู’ุชูŽุฑููŠ ู„ูŽุง ูŠูŽูƒููˆู†ู ุฑูุจู‹ุงุŒ ูˆูŽุฅูู†ูŽู‘ู…ูŽุง ู‚ูŽุงู„ูŽ ูููŠ ุฃูŽุญูŽุฏู ุงู„ู’ุจูŽุฏูŽู„ูŽูŠู’ู†ูุŒ ูˆูŽู„ูŽู…ู’ ูŠูŽู‚ูู„ู’ ู„ูุฃูŽุญูŽุฏู ุงู„ู’ุนูŽุงู‚ูุฏูŽูŠู’ู†ู ู„ูุฃูŽู†ูŽู‘ ุงู„ู’ุนูŽุงู‚ูุฏูŽ ู‚ูŽุฏู’ ูŠูŽูƒููˆู†ู ูˆูŽูƒููŠู„ู‹ุงุŒ ูˆูŽู‚ูŽุฏู’ ูŠูŽูƒููˆู†ู ููุถููˆู„ููŠู‹ู‘ุงุŒ ูˆูŽุงู„ู’ู…ูุนู’ุชูŽุจูŽุฑู ูƒูŽูˆู’ู†ู ุงู„ู’ููŽุถู’ู„ู ู„ูู„ู’ุจูŽุงุฆูุนู ุฃูŽูˆู’ ู„ูู„ู’ู…ูุดู’ุชูŽุฑููŠ ุงู‡ู€. ุชูŽุฃูŽู…ูŽู‘ู„ู’. (ุงู„ุดุฑู†ุจู„ุงู„ูŠุฉ ุฌ 6 ุต 135 ุฅู…ุฏุงุฏูŠุฉ)
  8. [3] ย ูˆูŽู‡ููˆูŽ ุงู„ุฒูู‘ูŠูŽุงุฏูŽุฉู ูููŠ ุงู„ุฏูŽู‘ูŠู’ู†ู ู†ูŽุธููŠุฑูŽ ุงู„ุฃูŽู’ุฌูŽู„ ุฃูŽูˆู ุงู„ุฒูู‘ูŠูŽุงุฏูŽุฉู ูููŠู‡ู ูˆูŽุณูู…ูู‘ูŠูŽ ู‡ูŽุฐูŽุง ุงู„ู†ูŽู‘ูˆู’ุนู ู…ูู†ูŽ ุงู„ุฑูู‘ุจูŽุง ุฑูุจูŽุง ุงู„ู†ูŽู‘ุณููŠุฆูŽุฉู ู…ูู†ู’ ุฃูŽู†ู’ุณูŽุฃู’ุชูู‡ู ุงู„ุฏูŽู‘ูŠู’ู†ูŽ: ุฃูŽุฎูŽู‘ุฑู’ุชูู‡ู – ู„ุฃูŽูู†ูŽู‘ ุงู„ุฒูู‘ูŠูŽุงุฏูŽุฉูŽ ูููŠู‡ู ู…ูู‚ูŽุงุจูู„ ุงู„ุฃูŽู’ุฌูŽู„ ุฃูŽูŠู‹ู‘ุง ูƒูŽุงู†ูŽ ุณูŽุจูŽุจู ุงู„ุฏูŽู‘ูŠู’ู†ู ุจูŽูŠู’ุนู‹ุง ูƒูŽุงู†ูŽ ุฃูŽูˆู’ ู‚ูŽุฑู’ุถู‹ุง (1) .
  9. ูˆูŽุณูู…ูู‘ูŠูŽ ุฑูุจูŽุง ุงู„ู’ู‚ูุฑู’ุขู†ูุ› ู„ุฃูŽูู†ูŽู‘ู‡ู ุญูุฑูู‘ู…ูŽ ุจูุงู„ู’ู‚ูุฑู’ุขู†ู ุงู„ู’ูƒูŽุฑููŠู…ู ูููŠ ู‚ูŽูˆู’ู„ ุงู„ู„ูŽู‘ู‡ู ุชูŽุนูŽุงู„ูŽู‰: {ูŠูŽุง ุฃูŽูŠูู‘ู‡ูŽุง ุงู„ูŽู‘ุฐููŠู†ูŽ ุขู…ูŽู†ููˆุง ู„ุงูŽ ุชูŽุฃู’ูƒูู„ููˆุง ุงู„ุฑูู‘ุจูŽุง ุฃูŽุถู’ุนูŽุงูู‹ุง ู…ูุถูŽุงุนูŽููŽุฉู‹. . .} (2) .
  10. ุซูู…ูŽู‘ ุฃูŽูƒูŽู‘ุฏูŽุชู ุงู„ุณูู‘ู†ูŽู‘ุฉู ุงู„ู†ูŽู‘ุจูŽูˆููŠูŽู‘ุฉู ุชูŽุญู’ุฑููŠู…ูŽู‡ู ูููŠ ุฎูุทู’ุจูŽุฉู ุงู„ู’ูˆูŽุฏูŽุงุนู ูˆูŽูููŠ ุฃูŽุญูŽุงุฏููŠุซูŽ ุฃูุฎู’ุฑูŽู‰.
  11. ุซูู…ูŽู‘ ุงู†ู’ุนูŽู‚ูŽุฏูŽ ุฅูุฌู’ู…ูŽุงุนู ุงู„ู’ู…ูุณู’ู„ูู…ููŠู†ูŽ ุนูŽู„ูŽู‰ ุชูŽุญู’ุฑููŠู…ูู‡ู.
  12. ูˆูŽุณูู…ูู‘ูŠูŽ ุฑูุจูŽุง ุงู„ู’ุฌูŽุงู‡ูู„ููŠูŽู‘ุฉูุŒ ู„ุฃูŽูู†ูŽู‘ ุชูŽุนูŽุงู…ูู„ ุฃูŽู‡ู’ู„ ุงู„ู’ุฌูŽุงู‡ูู„ููŠูŽู‘ุฉู ุจูุงู„ุฑูู‘ุจูŽุง ู„ูŽู…ู’ ูŠูŽูƒูู†ู’ ุฅูู„ุงูŽู‘ ุจูู‡ู ูƒูŽู…ูŽุง ู‚ูŽุงู„ ุงู„ู’ุฌูŽุตูŽู‘ุงุตู.
  13. ูˆูŽุงู„ุฑูู‘ุจูŽุง ุงู„ูŽู‘ุฐููŠ ูƒูŽุงู†ูŽุชู ุงู„ู’ุนูŽุฑูŽุจู ุชูŽุนู’ุฑูููู‡ู ูˆูŽุชูŽูู’ุนูŽู„ูู‡ู ุฅูู†ูŽู‘ู…ูŽุง ูƒูŽุงู†ูŽ ู‚ูŽุฑู’ุถูŽ ุงู„ุฏูŽู‘ุฑูŽุงู‡ูู…ู ูˆูŽุงู„ุฏูŽู‘ู†ูŽุงู†ููŠุฑู ุฅูู„ูŽู‰ ุฃูŽุฌูŽู„ู ุจูุฒููŠูŽุงุฏูŽุฉู ุนูŽู„ูŽู‰ ู…ูู‚ู’ุฏูŽุงุฑู ู…ูŽุง ุงุณู’ุชูŽู‚ู’ุฑูŽุถูŽ ุนูŽู„ูŽู‰ ู…ูŽุง ูŠูŽุชูŽุฑูŽุงุถูŽูˆู’ู†ูŽ ุจูู‡ู (3) .
  14. ูˆูŽุณูู…ูู‘ูŠูŽ ุฃูŽูŠู’ุถู‹ุง ุงู„ุฑูู‘ุจูŽุง ุงู„ู’ุฌูŽู„ููŠูŽู‘ุŒ ู‚ูŽุงู„ ุงุจู’ู†ู ุงู„ู’ู‚ูŽูŠูู‘ู…ู: ุงู„ู’ุฌูŽู„ููŠูู‘: ุฑูุจูŽุง ุงู„ู†ูŽู‘ุณููŠุฆูŽุฉูุŒ ูˆูŽู‡ููˆูŽ ุงู„ูŽู‘ุฐููŠ ูƒูŽุงู†ููˆุง ูŠูŽูู’ุนูŽู„ููˆู†ูŽู‡ู ูููŠ ุงู„ู’ุฌูŽุงู‡ูู„ููŠูŽู‘ุฉูุŒ ู…ูุซู’ู„ ุฃูŽู†ู’ ูŠูุคูŽุฎูู‘ุฑูŽ ุฏูŽูŠู’ู†ูŽู‡ู ูˆูŽูŠูŽุฒููŠุฏูŽู‡ู ูููŠ ุงู„ู’ู…ูŽุงู„ุŒ ูˆูŽูƒูู„ูŽู‘ู…ูŽุง ุฃูŽุฎูŽู‘ุฑูŽู‡ู ุฒูŽุงุฏูŽู‡ู ูููŠ ุงู„ู’ู…ูŽุงู„ ุญูŽุชูŽู‘ู‰ ุชูŽุตููŠุฑูŽ ุงู„ู’ู…ูุงุฆูŽุฉู ุนูู†ู’ุฏูŽู‡ู ุขู„ุงูŽูู‹ุง ู…ูุคูŽู„ูŽู‘ููŽุฉู‹ (4) . (ุงู„ู…ูˆุณูˆุนุฉ ุงู„ูู‚ู‡ูŠุฉ ุงู„ูƒูˆูŠุชูŠุฉ ุฌ 2 ุต 57-58)
  15. [4] ูˆูŽุฑูุจูŽุง ุงู„ู’ููŽุถู’ู„ ูŠูŽูƒููˆู†ู ุจูุงู„ุชูŽู‘ููŽุงุถูู„ ูููŠ ุงู„ู’ุฌูู†ู’ุณู ุงู„ู’ูˆูŽุงุญูุฏู ู…ูู†ู’ ุฃูŽู…ู’ูˆูŽุงู„ ุงู„ุฑูู‘ุจูŽุง ุฅูุฐูŽุง ุจููŠุนูŽ ุจูŽุนู’ุถูู‡ู ุจูุจูŽุนู’ุถูุŒ ูƒูŽุจูŽูŠู’ุนู ุฏูุฑู’ู‡ูŽู…ู ุจูุฏูุฑู’ู‡ูŽู…ูŽูŠู’ู†ู ู†ูŽู‚ู’ุฏู‹ุงุŒ ุฃูŽูˆู’ ุจูŽูŠู’ุนู ุตูŽุงุนู ู‚ูŽู…ู’ุญู ุจูุตูŽุงุนูŽูŠู’ู†ู ู…ูู†ูŽ ุงู„ู’ู‚ูŽู…ู’ุญูุŒ ูˆูŽู†ูŽุญู’ูˆู ุฐูŽู„ููƒูŽ.
  16. ูˆูŽูŠูุณูŽู…ูŽู‘ู‰ ุฑูุจูŽุง ุงู„ู’ููŽุถู’ู„ ู„ูููŽุถู’ู„ ุฃูŽุญูŽุฏู ุงู„ู’ุนููˆูŽุถูŽูŠู’ู†ู ุนูŽู„ูŽู‰ ุงู„ุขู’ุฎูŽุฑูุŒ ูˆูŽุฅูุทู’ู„ุงูŽู‚ู ุงู„ุชูŽู‘ููŽุงุถูู„ ุนูŽู„ูŽู‰ ุงู„ู’ููŽุถู’ู„ ู…ูู†ู’ ุจูŽุงุจู ุงู„ู’ู…ูŽุฌูŽุงุฒูุŒ ููŽุฅูู†ูŽู‘ ุงู„ู’ููŽุถู’ู„ ูููŠ ุฃูŽุญูŽุฏู ุงู„ู’ุฌูŽุงู†ูุจูŽูŠู’ู†ู ุฏููˆู†ูŽ ุงู„ุขู’ุฎูŽุฑู.
  17. ูˆูŽูŠูุณูŽู…ูŽู‘ู‰ ุฑูุจูŽุง ุงู„ู†ูŽู‘ู‚ู’ุฏู ูููŠ ู…ูู‚ูŽุงุจูŽู„ูŽุฉู ุฑูุจูŽุง ุงู„ู†ูŽู‘ุณููŠุฆูŽุฉู:
  18. ูˆูŽูŠูุณูŽู…ูŽู‘ู‰ ุงู„ุฑูู‘ุจูŽุง ุงู„ู’ุฎูŽูููŠูŽู‘ุŒ ู‚ูŽุงู„ ุงุจู’ู†ู ุงู„ู’ู‚ูŽูŠูู‘ู…ู: ุงู„ุฑูู‘ุจูŽุง ู†ูŽูˆู’ุนูŽุงู†ู: ุฌูŽู„ููŠูŒู‘ ูˆูŽุฎูŽูููŠูŒู‘ุŒ ููŽุงู„ู’ุฌูŽู„ููŠูู‘ ุญูุฑูู‘ู…ูŽุŒ ู„ูู…ูŽุง ูููŠู‡ู ู…ูู†ูŽ ุงู„ุถูŽู‘ุฑูŽุฑู ุงู„ู’ุนูŽุธููŠู…ูุŒ ูˆูŽุงู„ู’ุฎูŽูููŠูู‘ ุญูุฑูู‘ู…ูŽุŒ ู„ุฃูŽูู†ูŽู‘ู‡ู ุฐูŽุฑููŠุนูŽุฉูŒ ุฅูู„ูŽู‰ ุงู„ู’ุฌูŽู„ููŠูู‘ุŒ ููŽุชูŽุญู’ุฑููŠู…ู ุงู„ุฃูŽู’ูˆูŽู‘ู„ ู‚ูŽุตู’ุฏู‹ุงุŒ ูˆูŽุชูŽุญู’ุฑููŠู…ู ุงู„ุซูŽู‘ุงู†ููŠ ู„ุฃูŽูู†ูŽู‘ู‡ู ูˆูŽุณููŠู„ูŽุฉูŒุŒ ููŽุฃูŽู…ูŽู‘ุง ุงู„ู’ุฌูŽู„ููŠูู‘ ููŽุฑูุจูŽุง ุงู„ู†ูŽู‘ุณููŠุฆูŽุฉู ูˆูŽู‡ููˆูŽ ุงู„ูŽู‘ุฐููŠ ูƒูŽุงู†ููˆุง ูŠูŽูู’ุนูŽู„ููˆู†ูŽู‡ู ูููŠ ุงู„ู’ุฌูŽุงู‡ูู„ููŠูŽู‘ุฉู. (ุงู„ู…ูˆุณูˆุนุฉ ุงู„ูู‚ู‡ูŠุฉ ุงู„ูƒูˆูŠุชูŠุฉ ุฌ 2 ุต 58)

Question:

Is the PayPal Working Capital Cash Advance Shariah compliant?

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salฤmu โ€˜alaykum wa-rahmatullฤhi wa-barakฤtuh.

The Answer:

The PayPal Working Capital Cash Advance is not Shariah Compliant.

The Fiqh (jurisprudence of the answer):

This scheme has an element of Ribฤ.ย  One receives a loan from PayPal and repays capital plus a fixed fee.ย  The fixed fee is the cost of financing and is part of the counter exchange beyond the capital.ย  Therefore, when one repays PayPal, he repays the capital plus the fixed fee of the same denomination.ย  This is Ribฤ.

Although this scheme says there is no interest, it is negating simple interest and compound interest[1].ย  Ribฤ is more than just simple interest and compound interest; Ribฤ is an unjustified excess in a bilateral contract which is stipulated for one of the two transacting parties and is without consideration[2].

To elaborate, there are two types of Ribฤ:

1)ย ย ย ย ย  Ribฤ an-Nasฤซ`ah is the advantage and excess gained without consideration by deferring delivery of any homogenous counter exchanges.ย  This excess manifests upon default or delay in payment where time is factored as a consideration[3].

2)ย ย ย ย ย  Ribฤ al-Faแธl is a contractually agreed excess in units without any consideration in an exchange of homogeneous goods.[4]
Shariah has not considered money to be a commodity but a medium of exchange.ย  When money of the same genus is exchanged, it must be on spot and in equal quantity.ย  Exchanging different amounts at different times brings into effect both forms of ribฤ: Ribฤ al-Nasฤซ`ah and Ribฤ al-Fadhl.

The Wisdom of the Law:

Note: The law is not based on wisdoms.ย  The wisdoms are some benefits of the law.ย  It is possible that not all said wisdoms are found at a given time.ย  The absence of any or all wisdoms will not change the ruling or law.ย  The law is not deduced nor determined through wisdoms.ย  Wisdoms are enumerated to complement rationale minds.

Only a person who has a need borrows money.ย  The need can be economic, business related or personal.ย  Thus, lending is an act of charity helping those in need.ย  Shariah has deemed lending as charity and not a form of business.ย  Hence, profiting from lending by means of getting more in return of lending is totally prohibited as need is being commodified and thus, the borrower is exploited and disadvantaged.ย  This conflicts with one of the fundamental principles of Islamic commercial law, namely, equal opportunities (musฤwฤt).ย The commodification of need is oppression and wickedness fuelled by greed.ย  Where capitalism thrives on commodification, Shariah on the other hand, prohibits unrivalled and unrestricted commodification.ย Such behaviour at a macro level creates wealth inequality and disparity.ย  Furthermore, the mass availability of credit with cost promotes debt and debt creation โ€“ unhealthy at a micro and macro level.

And Allah Taโ€™ฤlฤ Alone Knows Best
Mufti Faraz Adamย 
www.darulfiqh.com
ย 
DISCLAIMER:
The views and opinions expressed in this answer belong only to the author and do not in any way represent or reflect the views of any institutions to which he may be affiliated.
Arguments and ideas propounded in this answer are based on the juristic interpretations and reasoning of the author. Given that contemporary issues and interpretations of contemporary issues are subjective in nature, another Mufti may reach different conclusions to the one expressed by the author. Whilst every effort has been taken to ensure total accuracy and soundness from a Shariโ€™ah perspective, the author is open to any correction or juristic guidance. On the event of any juristic shortcomings, the author will retract any or all of the conclusions expressed within this answer.
The Shariโ€™ah ruling given herein is based specifically on the scenario in question.ย  The author bears no responsibility towards any party that acts or does not act on this answer and is exempted from any and all forms of loss or damage.ย  This answer may not be used as evidence in any court of law without prior written consent from the author.ย  Consideration is only given and is restricted to the specific links provided, the author does not endorse nor approve of any other content the website may contain.


[1] http://www.investopedia.com/articles/investing/020614/learn-simple-and-compound-interest.asp

Simple interestย is where the amount of interest earned is fixed over time. For example, if you saved ยฃ1000 at 4% simple interest you would earn ยฃ40 per year, every year.ย The amount of interest earned stays the same when dealing with simple interest.ย 

Compound interestย is where interest is paid on the amount already earned leading to greater and greater amounts of interest. For example ยฃ1000 at 4% compound interest would earn you ยฃ40 in the first year but in the second year you would earn 4% on the new amount of ยฃ1040 which would be ยฃ41.60.

ย 

[2] ย ูˆูŽู„ูŽูŠู’ุณูŽ ุงู„ู’ู…ูุฑูŽุงุฏู ู…ูุทู’ู„ูŽู‚ูŽ ุงู„ู’ููŽุถู’ู„ู ุจูุงู„ู’ุฅูุฌู’ู…ูŽุงุนู ููŽุฅูู†ูŽู‘ ููŽุชู’ุญูŽ ุงู„ู’ุฃูŽุณู’ูˆูŽุงู‚ู ูููŠ ุณูŽุงุฆูุฑู ุจูู„ูŽุงุฏู ุงู„ู’ู…ูุณู’ู„ูู…ููŠู†ูŽ ู„ูู„ูุงุณู’ุชููู’ุถูŽุงู„ูุŒ ูˆูŽุงู„ูุงุณู’ุชูุฑู’ุจูŽุงุญูุŒ ูˆูŽุฅูู†ูŽู‘ู…ูŽุง ุงู„ู’ู…ูุฑูŽุงุฏู ููŽุถู’ู„ูŒ ู…ูŽุฎู’ุตููˆุตูŒ ููŽู„ูุฐูŽู„ููƒูŽ ุนูŽุฑูŽู‘ููŽู‡ู ุดูŽุฑู’ุนู‹ุง ุจูู‚ูŽูˆู’ู„ูู‡ู (ููŽุถู’ู„ู ู…ูŽุงู„ู ุจูู„ูŽุง ุนููˆูŽุถู ูููŠ ู…ูุนูŽุงูˆูŽุถูŽุฉู ู…ูŽุงู„ู ุจูู…ูŽุงู„ู) ุฃูŽูŠู’ ููŽุถู’ู„ู ุฃูŽุญูŽุฏู ุงู„ู’ู…ูุชูŽุฌูŽุงู†ูุณูŽูŠู’ู†ู ุนูŽู„ูŽู‰ ุงู„ู’ุขุฎูŽุฑู ุจูุงู„ู’ุนููŠูŽุงุฑู ุงู„ุดูŽู‘ุฑู’ุนููŠูู‘ ุฃูŽูŠู’ ุงู„ู’ูƒูŽูŠู’ู„ู ูˆูŽุงู„ู’ูˆูŽุฒู’ู†ูุŒ ููŽููŽุถู’ู„ู ู‚ูŽูููŠุฒูŽูŠู’ ุดูŽุนููŠุฑู ุนูŽู„ูŽู‰ ู‚ูŽูููŠุฒูŽูŠู’ ุจูุฑูู‘ ู„ูŽุง ูŠูŽูƒููˆู†ู ุฑูุจู‹ุงุŒ ูˆูŽูƒูŽุฐูŽุง ููŽุถู’ู„ู ุนูŽุดูŽุฑูŽุฉู ุฃูŽุฐู’ุฑูุนู ู…ูู†ู’ ุซูŽูˆู’ุจู ู‡ูŽุฑูŽูˆููŠูŒู‘ ุนูŽู„ูŽู‰ ุฎูŽู…ู’ุณูŽุฉู ู…ูู†ู’ู‡ูุŒ ูˆูŽู‚ูŽูŠูŽู‘ุฏูŽ ุจูู‚ูŽูˆู’ู„ูู‡ู ุจูู„ูŽุง ุนููˆูŽุถู ุฃูŽูŠู’ ุฎูŽุงู„ู ุนูŽู†ู’ู‡ู ู„ููŠูŽุฎู’ุฑูุฌูŽ ุจูŽูŠู’ุนู ูƒูุฑูู‘ ุจูุฑูู‘ ูˆูŽูƒูุฑูู‘ ุดูŽุนููŠุฑู ุจููƒูุฑูŽู‘ูŠู’ ุจูุฑูู‘ ูˆูŽูƒูุฑูŽู‘ูŠู’ ุดูŽุนููŠุฑู ููŽุฅูู†ูŽู‘ ู„ูู„ุซูŽู‘ุงู†ููŠ ููŽุถู’ู„ู‹ุง ุนูŽู„ูŽู‰ ุงู„ู’ุฃูŽูˆูŽู‘ู„ู ู„ูŽูƒูู†ูŽู‘ู‡ู ุบูŽูŠู’ุฑู ุฎูŽุงู„ู ุนูŽู†ู’ ุงู„ู’ุนููˆูŽุถู ู„ูุตูŽุฑู’ูู ุงู„ู’ุฌูู†ู’ุณู ุฅู„ูŽู‰ ุฎูู„ูŽุงูู ุฌูู†ู’ุณูู‡ู.

ูˆูŽู‚ูŽูŠูŽู‘ุฏูŽ ุจูุงู„ู’ู…ูุนูŽุงูˆูŽุถูŽุฉู ู„ูุฃูŽู†ูŽู‘ ุงู„ู’ููŽุถู’ู„ูŽ ุงู„ู’ุฎูŽุงู„ููŠูŽ ุนูŽู†ู’ ุงู„ู’ุนููˆูŽุถู ุงู„ูŽู‘ุฐููŠ ูููŠ ุงู„ู’ู‡ูุจูŽุฉู ู„ูŽูŠู’ุณูŽ ุจูุฑูุจู‹ุงุŒ ูˆูŽุชูŽุฑูŽูƒูŽ ุงู„ู’ู…ูุตูŽู†ูู‘ูู ู‚ูŽูŠู’ุฏู‹ุง ู„ูŽุง ุจูุฏูŽู‘ ู…ูู†ู’ู‡ูุŒ ูˆูŽู‡ููˆูŽ ุฃูŽู†ู’ ูŠูŽูƒููˆู†ูŽ ุงู„ู’ููŽุถู’ู„ู ุงู„ู’ุฎูŽุงู„ููŠ ู…ูŽุดู’ุฑููˆุทู‹ุง ูููŠ ุงู„ู’ุนูŽู‚ู’ุฏู ู„ูุฃูŽุญูŽุฏู ุงู„ู’ู…ูุชูŽุนูŽุงู‚ูุฏูŽูŠู’ู†ูุŒ ูˆูŽู‚ูŽุฏู’ ู‚ูŽูŠูŽู‘ุฏูŽู‡ู ุจูู‡ู ูููŠ ุงู„ู’ูˆูู‚ูŽุงูŠูŽุฉูุŒ ูˆูŽู‚ูŽุงู„ูŽ ุดูŽุงุฑูุญูู‡ูŽุง ุฅู†ูŽู‘ู…ูŽุง ู‚ูŽูŠูŽู‘ุฏูŽ ุจูู‡ู ู„ูุฃูŽู†ูŽู‘ู‡ู ู„ูŽูˆู’ ุดูุฑูุทูŽ ู„ูุบูŽูŠู’ุฑูู‡ูู…ูŽุง ู„ูŽุง ูŠูŽูƒููˆู†ู ุฑูุจู‹ุงุŒ ูˆูŽูููŠ ุงู„ู’ุจูู†ูŽุงูŠูŽุฉู ู‚ูŽุงู„ูŽ ุนูู„ูŽู…ูŽุงุคูู†ูŽุง ู‡ููˆูŽ ุจูŽูŠู’ุนูŒ ูููŠู‡ู ููŽุถู’ู„ูŒ ู…ูุณู’ุชูŽุญูู‚ูŒู‘ ู„ูุฃูŽุญูŽุฏู ุงู„ู’ู…ูุชูŽุนูŽุงู‚ูุฏูŽูŠู’ู†ู ุฎูŽุงู„ู ุนูŽู…ูŽู‘ุง ูŠูู‚ูŽุงุจูู„ูู‡ู ู…ูู†ู’ ุนููˆูŽุถู ุดูุฑูุทูŽ ูููŠ ู‡ูŽุฐูŽุง ุงู„ู’ุนูŽู‚ู’ุฏูุŒ ูˆูŽุนูŽู„ูŽู‰ ู‡ูŽุฐูŽุง ุณูŽุงุฆูุฑู ุฃูŽู†ู’ูˆูŽุงุนู ุงู„ู’ุจููŠููˆุนู ุงู„ู’ููŽุงุณูุฏูŽุฉู ู…ูู†ู’ ู‚ูŽุจููŠู„ู ุงู„ุฑูู‘ุจูŽุงุŒ (ุชุจูŠูŠู† ุงู„ุญู‚ุงุฆู‚ ุฌ 6 ุต 135 ุฅู…ุฏุงุฏูŠุฉ)

(ู‚ูŽูˆู’ู„ูู‡ู ูˆูŽุชูŽุฑูŽูƒูŽ ุงู„ู’ู…ูุตูŽู†ูู‘ูู ู‚ูŽูŠู’ุฏู‹ุง ู„ูŽุง ุจูุฏูŽู‘ ู…ูู†ู’ู‡ู ุฅู„ูŽุฎู’) ุนูุจูŽุงุฑูŽุฉู ุงุจู’ู†ู ุงู„ู’ูƒูŽู…ูŽุงู„ู ุฎูŽุงู„ู ุนูŽู†ู’ ุนููˆูŽุถู ุดูุฑูุทูŽ ูููŠ ุฃูŽุญูŽุฏู ุงู„ู’ุจูŽุฏูŽู„ูŽูŠู’ู†ู ู‚ูŽุงู„ูŽ ูููŠ ุดูŽุฑู’ุญูู‡ู ููŽู„ูŽูˆู’ ูˆูุฌูุฏูŽ ุงู„ู’ููŽุถู’ู„ู ูููŠ ุฃูŽุญูŽุฏู ุงู„ู’ุจูŽุฏูŽู„ูŽูŠู’ู†ูุŒ ูˆูŽู„ูŽู…ู’ ูŠูŽูƒูู†ู’ ู…ูŽุดู’ุฑููˆุทู‹ุง ูููŠ ุงู„ู’ุนูŽู‚ู’ุฏู ุฃูŽูˆู’ ูƒูŽุงู†ูŽ ู…ูŽุดู’ุฑููˆุทู‹ุง ูููŠู‡ูุŒ ูˆูŽู„ูŽู…ู’ ูŠูŽูƒูู†ู’ ูููŠ ุฃูŽุญูŽุฏู ุงู„ู’ุจูŽุฏูŽู„ูŽูŠู’ู†ู ุจูุฃูŽู†ู’ ูŠูŽูƒููˆู†ูŽ ู„ูุบูŽูŠู’ุฑู ุงู„ู’ุจูŽุงุฆูุนู ูˆูŽุงู„ู’ู…ูุดู’ุชูŽุฑููŠ ู„ูŽุง ูŠูŽูƒููˆู†ู ุฑูุจู‹ุงุŒ ูˆูŽุฅูู†ูŽู‘ู…ูŽุง ู‚ูŽุงู„ูŽ ูููŠ ุฃูŽุญูŽุฏู ุงู„ู’ุจูŽุฏูŽู„ูŽูŠู’ู†ูุŒ ูˆูŽู„ูŽู…ู’ ูŠูŽู‚ูู„ู’ ู„ูุฃูŽุญูŽุฏู ุงู„ู’ุนูŽุงู‚ูุฏูŽูŠู’ู†ู ู„ูุฃูŽู†ูŽู‘ ุงู„ู’ุนูŽุงู‚ูุฏูŽ ู‚ูŽุฏู’ ูŠูŽูƒููˆู†ู ูˆูŽูƒููŠู„ู‹ุงุŒ ูˆูŽู‚ูŽุฏู’ ูŠูŽูƒููˆู†ู ููุถููˆู„ููŠู‹ู‘ุงุŒ ูˆูŽุงู„ู’ู…ูุนู’ุชูŽุจูŽุฑู ูƒูŽูˆู’ู†ู ุงู„ู’ููŽุถู’ู„ู ู„ูู„ู’ุจูŽุงุฆูุนู ุฃูŽูˆู’ ู„ูู„ู’ู…ูุดู’ุชูŽุฑููŠ ุงู‡ู€. ุชูŽุฃูŽู…ูŽู‘ู„ู’. (ุงู„ุดุฑู†ุจู„ุงู„ูŠุฉ ุฌ 6 ุต 135 ุฅู…ุฏุงุฏูŠุฉ)

[3] ย ูˆูŽู‡ููˆูŽ ุงู„ุฒูู‘ูŠูŽุงุฏูŽุฉู ูููŠ ุงู„ุฏูŽู‘ูŠู’ู†ู ู†ูŽุธููŠุฑูŽ ุงู„ุฃูŽู’ุฌูŽู„ ุฃูŽูˆู ุงู„ุฒูู‘ูŠูŽุงุฏูŽุฉู ูููŠู‡ู ูˆูŽุณูู…ูู‘ูŠูŽ ู‡ูŽุฐูŽุง ุงู„ู†ูŽู‘ูˆู’ุนู ู…ูู†ูŽ ุงู„ุฑูู‘ุจูŽุง ุฑูุจูŽุง ุงู„ู†ูŽู‘ุณููŠุฆูŽุฉู ู…ูู†ู’ ุฃูŽู†ู’ุณูŽุฃู’ุชูู‡ู ุงู„ุฏูŽู‘ูŠู’ู†ูŽ: ุฃูŽุฎูŽู‘ุฑู’ุชูู‡ู – ู„ุฃูŽูู†ูŽู‘ ุงู„ุฒูู‘ูŠูŽุงุฏูŽุฉูŽ ูููŠู‡ู ู…ูู‚ูŽุงุจูู„ ุงู„ุฃูŽู’ุฌูŽู„ ุฃูŽูŠู‹ู‘ุง ูƒูŽุงู†ูŽ ุณูŽุจูŽุจู ุงู„ุฏูŽู‘ูŠู’ู†ู ุจูŽูŠู’ุนู‹ุง ูƒูŽุงู†ูŽ ุฃูŽูˆู’ ู‚ูŽุฑู’ุถู‹ุง (1) .

ูˆูŽุณูู…ูู‘ูŠูŽ ุฑูุจูŽุง ุงู„ู’ู‚ูุฑู’ุขู†ูุ› ู„ุฃูŽูู†ูŽู‘ู‡ู ุญูุฑูู‘ู…ูŽ ุจูุงู„ู’ู‚ูุฑู’ุขู†ู ุงู„ู’ูƒูŽุฑููŠู…ู ูููŠ ู‚ูŽูˆู’ู„ ุงู„ู„ูŽู‘ู‡ู ุชูŽุนูŽุงู„ูŽู‰: {ูŠูŽุง ุฃูŽูŠูู‘ู‡ูŽุง ุงู„ูŽู‘ุฐููŠู†ูŽ ุขู…ูŽู†ููˆุง ู„ุงูŽ ุชูŽุฃู’ูƒูู„ููˆุง ุงู„ุฑูู‘ุจูŽุง ุฃูŽุถู’ุนูŽุงูู‹ุง ู…ูุถูŽุงุนูŽููŽุฉู‹. . .} (2) .

ุซูู…ูŽู‘ ุฃูŽูƒูŽู‘ุฏูŽุชู ุงู„ุณูู‘ู†ูŽู‘ุฉู ุงู„ู†ูŽู‘ุจูŽูˆููŠูŽู‘ุฉู ุชูŽุญู’ุฑููŠู…ูŽู‡ู ูููŠ ุฎูุทู’ุจูŽุฉู ุงู„ู’ูˆูŽุฏูŽุงุนู ูˆูŽูููŠ ุฃูŽุญูŽุงุฏููŠุซูŽ ุฃูุฎู’ุฑูŽู‰.

ุซูู…ูŽู‘ ุงู†ู’ุนูŽู‚ูŽุฏูŽ ุฅูุฌู’ู…ูŽุงุนู ุงู„ู’ู…ูุณู’ู„ูู…ููŠู†ูŽ ุนูŽู„ูŽู‰ ุชูŽุญู’ุฑููŠู…ูู‡ู.

ูˆูŽุณูู…ูู‘ูŠูŽ ุฑูุจูŽุง ุงู„ู’ุฌูŽุงู‡ูู„ููŠูŽู‘ุฉูุŒ ู„ุฃูŽูู†ูŽู‘ ุชูŽุนูŽุงู…ูู„ ุฃูŽู‡ู’ู„ ุงู„ู’ุฌูŽุงู‡ูู„ููŠูŽู‘ุฉู ุจูุงู„ุฑูู‘ุจูŽุง ู„ูŽู…ู’ ูŠูŽูƒูู†ู’ ุฅูู„ุงูŽู‘ ุจูู‡ู ูƒูŽู…ูŽุง ู‚ูŽุงู„ ุงู„ู’ุฌูŽุตูŽู‘ุงุตู.

ูˆูŽุงู„ุฑูู‘ุจูŽุง ุงู„ูŽู‘ุฐููŠ ูƒูŽุงู†ูŽุชู ุงู„ู’ุนูŽุฑูŽุจู ุชูŽุนู’ุฑูููู‡ู ูˆูŽุชูŽูู’ุนูŽู„ูู‡ู ุฅูู†ูŽู‘ู…ูŽุง ูƒูŽุงู†ูŽ ู‚ูŽุฑู’ุถูŽ ุงู„ุฏูŽู‘ุฑูŽุงู‡ูู…ู ูˆูŽุงู„ุฏูŽู‘ู†ูŽุงู†ููŠุฑู ุฅูู„ูŽู‰ ุฃูŽุฌูŽู„ู ุจูุฒููŠูŽุงุฏูŽุฉู ุนูŽู„ูŽู‰ ู…ูู‚ู’ุฏูŽุงุฑู ู…ูŽุง ุงุณู’ุชูŽู‚ู’ุฑูŽุถูŽ ุนูŽู„ูŽู‰ ู…ูŽุง ูŠูŽุชูŽุฑูŽุงุถูŽูˆู’ู†ูŽ ุจูู‡ู (3) .

ูˆูŽุณูู…ูู‘ูŠูŽ ุฃูŽูŠู’ุถู‹ุง ุงู„ุฑูู‘ุจูŽุง ุงู„ู’ุฌูŽู„ููŠูŽู‘ุŒ ู‚ูŽุงู„ ุงุจู’ู†ู ุงู„ู’ู‚ูŽูŠูู‘ู…ู: ุงู„ู’ุฌูŽู„ููŠูู‘: ุฑูุจูŽุง ุงู„ู†ูŽู‘ุณููŠุฆูŽุฉูุŒ ูˆูŽู‡ููˆูŽ ุงู„ูŽู‘ุฐููŠ ูƒูŽุงู†ููˆุง ูŠูŽูู’ุนูŽู„ููˆู†ูŽู‡ู ูููŠ ุงู„ู’ุฌูŽุงู‡ูู„ููŠูŽู‘ุฉูุŒ ู…ูุซู’ู„ ุฃูŽู†ู’ ูŠูุคูŽุฎูู‘ุฑูŽ ุฏูŽูŠู’ู†ูŽู‡ู ูˆูŽูŠูŽุฒููŠุฏูŽู‡ู ูููŠ ุงู„ู’ู…ูŽุงู„ุŒ ูˆูŽูƒูู„ูŽู‘ู…ูŽุง ุฃูŽุฎูŽู‘ุฑูŽู‡ู ุฒูŽุงุฏูŽู‡ู ูููŠ ุงู„ู’ู…ูŽุงู„ ุญูŽุชูŽู‘ู‰ ุชูŽุตููŠุฑูŽ ุงู„ู’ู…ูุงุฆูŽุฉู ุนูู†ู’ุฏูŽู‡ู ุขู„ุงูŽูู‹ุง ู…ูุคูŽู„ูŽู‘ููŽุฉู‹ (4) . (ุงู„ู…ูˆุณูˆุนุฉ ุงู„ูู‚ู‡ูŠุฉ ุงู„ูƒูˆูŠุชูŠุฉ ุฌ 2 ุต 57-58)

[4] ูˆูŽุฑูุจูŽุง ุงู„ู’ููŽุถู’ู„ ูŠูŽูƒููˆู†ู ุจูุงู„ุชูŽู‘ููŽุงุถูู„ ูููŠ ุงู„ู’ุฌูู†ู’ุณู ุงู„ู’ูˆูŽุงุญูุฏู ู…ูู†ู’ ุฃูŽู…ู’ูˆูŽุงู„ ุงู„ุฑูู‘ุจูŽุง ุฅูุฐูŽุง ุจููŠุนูŽ ุจูŽุนู’ุถูู‡ู ุจูุจูŽุนู’ุถูุŒ ูƒูŽุจูŽูŠู’ุนู ุฏูุฑู’ู‡ูŽู…ู ุจูุฏูุฑู’ู‡ูŽู…ูŽูŠู’ู†ู ู†ูŽู‚ู’ุฏู‹ุงุŒ ุฃูŽูˆู’ ุจูŽูŠู’ุนู ุตูŽุงุนู ู‚ูŽู…ู’ุญู ุจูุตูŽุงุนูŽูŠู’ู†ู ู…ูู†ูŽ ุงู„ู’ู‚ูŽู…ู’ุญูุŒ ูˆูŽู†ูŽุญู’ูˆู ุฐูŽู„ููƒูŽ.

ูˆูŽูŠูุณูŽู…ูŽู‘ู‰ ุฑูุจูŽุง ุงู„ู’ููŽุถู’ู„ ู„ูููŽุถู’ู„ ุฃูŽุญูŽุฏู ุงู„ู’ุนููˆูŽุถูŽูŠู’ู†ู ุนูŽู„ูŽู‰ ุงู„ุขู’ุฎูŽุฑูุŒ ูˆูŽุฅูุทู’ู„ุงูŽู‚ู ุงู„ุชูŽู‘ููŽุงุถูู„ ุนูŽู„ูŽู‰ ุงู„ู’ููŽุถู’ู„ ู…ูู†ู’ ุจูŽุงุจู ุงู„ู’ู…ูŽุฌูŽุงุฒูุŒ ููŽุฅูู†ูŽู‘ ุงู„ู’ููŽุถู’ู„ ูููŠ ุฃูŽุญูŽุฏู ุงู„ู’ุฌูŽุงู†ูุจูŽูŠู’ู†ู ุฏููˆู†ูŽ ุงู„ุขู’ุฎูŽุฑู.

ูˆูŽูŠูุณูŽู…ูŽู‘ู‰ ุฑูุจูŽุง ุงู„ู†ูŽู‘ู‚ู’ุฏู ูููŠ ู…ูู‚ูŽุงุจูŽู„ูŽุฉู ุฑูุจูŽุง ุงู„ู†ูŽู‘ุณููŠุฆูŽุฉู:

ูˆูŽูŠูุณูŽู…ูŽู‘ู‰ ุงู„ุฑูู‘ุจูŽุง ุงู„ู’ุฎูŽูููŠูŽู‘ุŒ ู‚ูŽุงู„ ุงุจู’ู†ู ุงู„ู’ู‚ูŽูŠูู‘ู…ู: ุงู„ุฑูู‘ุจูŽุง ู†ูŽูˆู’ุนูŽุงู†ู: ุฌูŽู„ููŠูŒู‘ ูˆูŽุฎูŽูููŠูŒู‘ุŒ ููŽุงู„ู’ุฌูŽู„ููŠูู‘ ุญูุฑูู‘ู…ูŽุŒ ู„ูู…ูŽุง ูููŠู‡ู ู…ูู†ูŽ ุงู„ุถูŽู‘ุฑูŽุฑู ุงู„ู’ุนูŽุธููŠู…ูุŒ ูˆูŽุงู„ู’ุฎูŽูููŠูู‘ ุญูุฑูู‘ู…ูŽุŒ ู„ุฃูŽูู†ูŽู‘ู‡ู ุฐูŽุฑููŠุนูŽุฉูŒ ุฅูู„ูŽู‰ ุงู„ู’ุฌูŽู„ููŠูู‘ุŒ ููŽุชูŽุญู’ุฑููŠู…ู ุงู„ุฃูŽู’ูˆูŽู‘ู„ ู‚ูŽุตู’ุฏู‹ุงุŒ ูˆูŽุชูŽุญู’ุฑููŠู…ู ุงู„ุซูŽู‘ุงู†ููŠ ู„ุฃูŽูู†ูŽู‘ู‡ู ูˆูŽุณููŠู„ูŽุฉูŒุŒ ููŽุฃูŽู…ูŽู‘ุง ุงู„ู’ุฌูŽู„ููŠูู‘ ููŽุฑูุจูŽุง ุงู„ู†ูŽู‘ุณููŠุฆูŽุฉู ูˆูŽู‡ููˆูŽ ุงู„ูŽู‘ุฐููŠ ูƒูŽุงู†ููˆุง ูŠูŽูู’ุนูŽู„ููˆู†ูŽู‡ู ูููŠ ุงู„ู’ุฌูŽุงู‡ูู„ููŠูŽู‘ุฉู. (ุงู„ู…ูˆุณูˆุนุฉ ุงู„ูู‚ู‡ูŠุฉ ุงู„ูƒูˆูŠุชูŠุฉ ุฌ 2 ุต 58)

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