Financial stress and debt

۞إِنَّمَا ٱلصَّدَقَٰتُ لِلۡفُقَرَآءِ وَٱلۡمَسَٰكِينِ وَٱلۡعَٰمِلِينَ عَلَيۡهَا وَٱلۡمُؤَلَّفَةِ قُلُوبُهُمۡ وَفِي ٱلرِّقَابِ وَٱلۡغَٰرِمِينَ وَفِي سَبِيلِ ٱللَّهِ وَٱبۡنِ ٱلسَّبِيلِۖ فَرِيضَةࣰ مِّنَ ٱللَّهِۗ وَٱللَّهُ عَلِيمٌ حَكِيمࣱ‏

Alms are meant only for the poor, the needy, those who administer them, those whose hearts need winning over, to free slaves and help those in debt, for God’s cause, and for travellers in need. This is ordained by God; God is all knowing and wise

وَٱللَّهُ فَضَّلَ بَعۡضَكُمۡ عَلَىٰ بَعۡضࣲ فِي ٱلرِّزۡقِۚ فَمَا ٱلَّذِينَ فُضِّلُواْ بِرَآدِّي رِزۡقِهِمۡ عَلَىٰ مَا مَلَكَتۡ أَيۡمَٰنُهُمۡ فَهُمۡ فِيهِ سَوَآءٌۚ أَفَبِنِعۡمَةِ ٱللَّهِ يَجۡحَدُونَ

God has given some of you more provision than others. Those who have been given more are unwilling to pass their provision on to the slaves they possess so that they become their equals. How can they refuse to acknowledge God’s blessings

وَٱلَّذِينَ هَاجَرُواْ فِي سَبِيلِ ٱللَّهِ ثُمَّ قُتِلُوٓاْ أَوۡ مَاتُواْ لَيَرۡزُقَنَّهُمُ ٱللَّهُ رِزۡقًا حَسَنࣰ اۚ وَإِنَّ ٱللَّهَ لَهُوَ خَيۡرُ ٱلرَّٰزِقِينَ

He will give a generous provision to those who migrated in God’s way and were killed or died. He is the Best Provider

إِنَّمَا تَعۡبُدُونَ مِن دُونِ ٱللَّهِ أَوۡثَٰنࣰ ا وَتَخۡلُقُونَ إِفۡكًاۚ إِنَّ ٱلَّذِينَ تَعۡبُدُونَ مِن دُونِ ٱللَّهِ لَا يَمۡلِكُونَ لَكُمۡ رِزۡقࣰ ا فَٱبۡتَغُواْ عِندَ ٱللَّهِ ٱلرِّزۡقَ وَٱعۡبُدُوهُ وَٱشۡكُرُواْ لَهُۥٓۖ إِلَيۡهِ تُرۡجَعُونَ

What you worship instead of God are mere idols; what you invent is nothing but falsehood. Those you serve instead of God have no power to give you provisions, so seek provisions from God, serve Him, and give Him thanks: you will all be returned to Him

۞وَلَوۡ بَسَطَ ٱللَّهُ ٱلرِّزۡقَ لِعِبَادِهِۦ لَبَغَوۡاْ فِي ٱلۡأَرۡضِ وَلَٰكِن يُنَزِّلُ بِقَدَرࣲ مَّا يَشَآءُۚ إِنَّهُۥ بِعِبَادِهِۦ خَبِيرُۢ بَصِيرࣱ‏

If God were to grant His plentiful provision to [all] His creatures, they would act insolently on earth, but He sends down in due measure whatever He will, for He is well aware of His servants and watchful over them

رَّسُولࣰ ا يَتۡلُواْ عَلَيۡكُمۡ ءَايَٰتِ ٱللَّهِ مُبَيِّنَٰتࣲ لِّيُخۡرِجَ ٱلَّذِينَ ءَامَنُواْ وَعَمِلُواْ ٱلصَّٰلِحَٰتِ مِنَ ٱلظُّلُمَٰتِ إِلَى ٱلنُّورِۚ وَمَن يُؤۡمِنۢ بِٱللَّهِ وَيَعۡمَلۡ صَٰلِحࣰ ا يُدۡخِلۡهُ جَنَّٰتࣲ تَجۡرِي مِن تَحۡتِهَا ٱلۡأَنۡهَٰرُ خَٰلِدِينَ فِيهَآ أَبَدࣰ اۖ قَدۡ أَحۡسَنَ ٱللَّهُ لَهُۥ رِزۡقًا

and a messenger- reciting to you God’s revelations that make things clear- to bring those who believe and do righteous deeds from darkness into light. God will admit those who believe in Him and do righteous deeds into Gardens graced with flowing streams, where they will remain for ever––He has made good provision for them

The freewill offerings are for the poor, and the indigent.... and the son of the road.... O you whose heart has never for one day walked in poverty and who, in your whole life, have never for one hour sat like Jacob in poverty's house of sorrows! O you who have never for one day placed your own attributes with the description of poverty in the mangonel of struggle and never for an instant sacrificed your spirit in the cave of exile and the state of indigence by following the beloved Prophet and the sincerely truthful Abū Bakr. You suppose that without tasting the drink of poverty and wearing the clothes of discipline today you will dwell tomorrow in the domiciles of the High Chambers with the poor among the Companions and the men of the road of poverty. Your supposition is erroneous and your self-governance wrong. They were a thousand times more passionate about that poverty of theirs th

The voluntary almsgivings the alms to be dispensed are only for the poor who cannot find anything to suffice them in the least and the needy who cannot find anything to suffice them and those who work with them that is with these alms in other words the one who collects them the one who takes the oaths from those who claim them the slave to be manumitted by contract as well as the tax-summoner; and those whose hearts are to be reconciled so that they might become Muslims or that Islam might be firmly established or that their peers might become Muslims or that they might defend Muslims all of whom are classed according to different categories. According to al-Shāfi‘ī may God be pleased with him the first and the last of these categories are no longer given of the alms-tax today because of the established power of Islam; in contrast the other two categories are given of the alms-tax accor

And God has given more bounty in provision to some of you than others. The provision of the soul is one thing, the provision of the heart another, and the provision of the spirit still another. For some the provision of the soul is the success of obedience and for some it is abandonment to disobedience. For some the provision of the heart is the heart's presence with constant remembrance and for some it is the attribute of heedlessness with constant hardness. For some the provision of the spirit is the perfection of recognition and the limpidness of love and for some it is love for this world and occupation with attachments. Fuẓayl said, “The greatest thing provided to man is deeds that will lead him to rectitude and recognition that will bequeath on him contemplation of his Lord.” The Prophet said, “I spend the night at my Lord; He gives me to eat and drink.”

(And if Allah were to enlarge the provision for His slaves they would surely rebel in the earth�) [42:27]. This verse was revealed about some people amongst the folk of the Platform (ahl al-Suffah) who wished to have an expansion of this worldly life and riches. Khabbab ibn al-Aratt said: �This verse was revealed about us. This is because we had looked at the wealth of Banu Qurayzah and Banu�l-Nadir and wished to have the same, and so Allah, glorified and exalted is He, revealed this verse�. He said: Abu �Uthman al-Mu�adhdhin informed me> Abu �Ali al-Faqih> Abu Muhammad ibn Mu�adh> al-Husayn ibn al-Hasan ibn Harb> Ibn al-Mubarak> Haywah> Abu Hani� al-Khawlani> �Amr ibn Hurayth who said: �This verse was revealed about the 'folk of the Platform' (And if Allah were to enlarge the provision for His slaves they would surely rebel in the earth). This is because they said: �If only we had this

And God has favoured some of you above others in respect of provision thus some of you are poor some are rich some owners others are owned. Now those who have been more favoured namely the masters would not hand over their provision to those slaves whom their right hands possess that is they would not assign that wealth and other things which We have given them as something to be shared equally between them and their slaves so that they that is the slaves and their masters become equal partners in respect thereof. The meaning is they do not have partners from among their slaves in respect of their wealth so how can they make certain of God’s servants partners of His? Is it then the grace of God that they deny? that they reject when they ascribe partners to Him?

And those who emigrated in the way of God that is in obedience to Him from emigrating from Mecca to Medina and then were slain or died God shall provide them with a good provision namely the provision of Paradise. Truly God is the best of providers the most excellent of givers.

حَدَّثَنَا مُسَدَّدٌ، حَدَّثَنَا عَبْدُ الْوَاحِدِ، حَدَّثَنَا مَعْمَرٌ، عَنِ الزُّهْرِيِّ، عَنْ أَبِي سَلَمَةَ بْنِ عَبْدِ الرَّحْمَنِ، عَنْ جَابِرِ بْنِ عَبْدِ اللَّهِ ـ رضى الله عنهما ـ قَالَ قَضَى رَسُولُ اللَّهِ صلى الله عليه وسلم بِالشُّفْعَةِ فِي كُلِّ مَا لَمْ يُقْسَمْ، فَإِذَا وَقَعَتِ الْحُدُودُ وَصُرِّفَتِ الطُّرُقُ فَلاَ شُفْعَةَ‏.‏

Narrated Jabir bin `Abdullah:Allah's Messenger (ﷺ) gave a verdict regarding Shuf'a in every undivided joint thing (property). But if the limits are defined (or demarcated) or the ways and streets are fixed, then there is no pre-emption

حَدَّثَنَا الْمَكِّيُّ بْنُ إِبْرَاهِيمَ، أَخْبَرَنَا ابْنُ جُرَيْجٍ، أَخْبَرَنِي إِبْرَاهِيمُ بْنُ مَيْسَرَةَ، عَنْ عَمْرِو بْنِ الشَّرِيدِ، قَالَ وَقَفْتُ عَلَى سَعْدِ بْنِ أَبِي وَقَّاصٍ، فَجَاءَ الْمِسْوَرُ بْنُ مَخْرَمَةَ فَوَضَعَ يَدَهُ عَلَى إِحْدَى مَنْكِبَىَّ إِذْ جَاءَ أَبُو رَافِعٍ مَوْلَى النَّبِيِّ صلى الله عليه وسلم فَقَالَ يَا سَعْدُ ابْتَعْ مِنِّي بَيْتَىَّ فِي دَارِكَ‏.‏ فَقَالَ سَعْدٌ وَاللَّهِ مَا أَبْتَاعُهُمَا‏.‏ فَقَالَ الْمِسْوَرُ وَاللَّهِ لَتَبْتَاعَنَّهُمَا‏.‏ فَقَالَ سَعْدٌ وَاللَّهِ لاَ أَزِيدُكَ عَلَى أَرْبَعَةِ آلاَفٍ، مُنَجَّمَةٍ أَوْ مُقَطَّعَةٍ‏.‏ قَالَ أَبُو رَافِعٍ لَقَدْ أُعْطِيتُ بِهَا خَمْسَمِائَةِ دِينَارٍ، وَلَوْلاَ أَنِّي سَمِعْتُ النَّبِيَّ صلى الله عليه وسلم يَقُولُ ‏ "‏ الْجَارُ أَحَقُّ بِسَقَبِهِ ‏"‏‏.‏ مَا أَعْطَيْتُكَهَا بِأَرْبَعَةِ آلاَفٍ، وَأَنَا أُعْطَى بِهَا خَمْسَمِائَةِ دِينَارٍ‏.‏ فَأَعْطَاهَا إِيَّاهُ‏.‏

Narrated `Amr bin Ash-Sharid:While I was standing with Sa`d bin Abi Waqqas, Al-Miswar bin Makhrama came and put his hand on my shoulder. Meanwhile Abu Rafi`, the freed slave of the Prophet (ﷺ) came and asked Sa`d to buy from him the (two) dwellings which were in his house. Sa`d said, "By Allah I will not buy them." Al- Miswar said, "By Allah, you shall buy them." Sa`d replied, "By Allah, I will not pay more than four thousand (Dirhams) by installments." Abu Rafi` said, "I have been offered five hundred Dinars (for it) and had I not heard the Prophet (ﷺ) saying, 'The neighbor has more right than anyone else because of his nearness, I would not give them to you for four-thousand (Dirhams) while I am offered five-hundred Dinars (one Dinar equals ten Dirhams) for them." So, he sold it to Sa`d

حَدَّثَنَا عَبْدُ اللَّهِ بْنُ يُوسُفَ، أَخْبَرَنَا مَالِكٌ، عَنْ أَبِي الزِّنَادِ، عَنِ الأَعْرَجِ، عَنْ أَبِي هُرَيْرَةَ ـ رضى الله عنه ـ أَنَّ رَسُولَ اللَّهِ صلى الله عليه وسلم قَالَ ‏ "‏ مَطْلُ الْغَنِيِّ ظُلْمٌ، فَإِذَا أُتْبِعَ أَحَدُكُمْ عَلَى مَلِيٍّ فَلْيَتْبَعْ ‏"‏‏.‏

Narrated Abu Huraira:The Prophet (ﷺ) said, "Procrastination (delay) in paying debts by a wealthy man is injustice. So, if your debt is transferred from your debtor to a rich debtor, you should agree

حَدَّثَنَا الْمَكِّيُّ بْنُ إِبْرَاهِيمَ، حَدَّثَنَا يَزِيدُ بْنُ أَبِي عُبَيْدٍ، عَنْ سَلَمَةَ بْنِ الأَكْوَعِ ـ رضى الله عنه ـ قَالَ كُنَّا جُلُوسًا عِنْدَ النَّبِيِّ صلى الله عليه وسلم إِذْ أُتِيَ بِجَنَازَةٍ، فَقَالُوا صَلِّ عَلَيْهَا‏.‏ فَقَالَ ‏"‏ هَلْ عَلَيْهِ دَيْنٌ ‏"‏‏.‏ قَالُوا لاَ‏.‏ قَالَ ‏"‏ فَهَلْ تَرَكَ شَيْئًا ‏"‏‏.‏ قَالُوا لاَ‏.‏ فَصَلَّى عَلَيْهِ ثُمَّ أُتِيَ بِجَنَازَةٍ أُخْرَى، فَقَالُوا يَا رَسُولَ اللَّهِ، صَلِّ عَلَيْهَا‏.‏ قَالَ ‏"‏ هَلْ عَلَيْهِ دَيْنٌ ‏"‏‏.‏ قِيلَ نَعَمْ‏.‏ قَالَ ‏"‏ فَهَلْ تَرَكَ شَيْئًا ‏"‏‏.‏ قَالُوا ثَلاَثَةَ دَنَانِيرَ‏.‏ فَصَلَّى عَلَيْهَا، ثُمَّ أُتِيَ بِالثَّالِثَةِ، فَقَالُوا صَلِّ عَلَيْهَا‏.‏ قَالَ ‏"‏ هَلْ تَرَكَ شَيْئًا ‏"‏‏.‏ قَالُوا لاَ‏.‏ قَالَ ‏"‏ فَهَلْ عَلَيْهِ دَيْنٌ ‏"‏‏.‏ قَالُوا ثَلاَثَةُ دَنَانِيرَ‏.‏ قَالَ ‏"‏ صَلُّوا عَلَى صَاحِبِكُمْ ‏"‏‏.‏ قَالَ أَبُو قَتَادَةَ صَلِّ عَلَيْهِ يَا رَسُولَ اللَّهِ، وَعَلَىَّ دَيْنُهُ‏.‏ فَصَلَّى عَلَيْهِ‏.‏

Narrated Salama bin Al-Akwa: Once, while we were sitting in the company of Prophet, a dead man was brought. The Prophet (ﷺ) was requested to lead the funeral prayer for the deceased. He said, "Is he in debt?" The people replied in the negative. He said, "Has he left any wealth?" They said, "No." So, he led his funeral prayer. Another dead man was brought and the people said, "O Allah's Messenger (ﷺ)! Lead his funeral prayer." The Prophet (ﷺ) said, "Is he in debt?" They said, "Yes." He said, "Has he left any wealth?" They said, ''Three Dinars." So, he led the prayer. Then a third dead man was brought and the people said (to the Prophet (ﷺ) ), Please lead his funeral prayer." He said, "Has he left any wealth?" They said, "No." He asked, "Is he in debt?" They said, ("Yes! He has to pay) three Dinars.', He (refused to pray and) said, "Then pray for your (dead) companion." Abu Qatada said, "O Allah's Messenger (ﷺ)! Lead his funeral prayer, and I will pay his debt." So, he led the prayer

حَدَّثَنَا هِشَامُ بْنُ عَمَّارٍ، وَمُحَمَّدُ بْنُ الصَّبَّاحِ، قَالاَ حَدَّثَنَا سُفْيَانُ بْنُ عُيَيْنَةَ، عَنْ أَبِي الزُّبَيْرِ، عَنْ جَابِرٍ، قَالَ قَالَ رَسُولُ اللَّهِ صلى الله عليه وسلم ‏ "‏ مَنْ كَانَتْ لَهُ نَخْلٌ أَوْ أَرْضٌ فَلاَ يَبِيعُهَا حَتَّى يَعْرِضَهَا عَلَى شَرِيكِهِ ‏"‏ ‏.‏

It was narrated that Jabir said:“The Messenger of Allah (ﷺ) said: 'Whoever has a date-palm tree or land, should not sell it until he has offered it to his partner.' ”

حَدَّثَنَا أَحْمَدُ بْنُ سِنَانٍ، وَالْعَلاَءُ بْنُ سَالِمٍ، قَالاَ حَدَّثَنَا يَزِيدُ بْنُ هَارُونَ، أَنْبَأَنَا شَرِيكٌ، عَنْ سِمَاكٍ، عَنْ عِكْرِمَةَ، عَنِ ابْنِ عَبَّاسٍ، عَنِ النَّبِيِّ صلى الله عليه وسلم قَالَ ‏ "‏ مَنْ كَانَتْ لَهُ أَرْضٌ فَأَرَادَ بَيْعَهَا فَلْيَعْرِضْهَا عَلَى جَارِهِ ‏"‏ ‏.‏

It was narrated from Ibn Abbas that the Prophet (ﷺ) said:“Whoever has land and wants to sell it, let him offer it to his neighbor.”

فإذا انضاف إلى ذلك خوف الفقر وقلة الثقة بمجيء الرزق قوي البخل لا محالة

ومنع من القرض الذي يجر النفع وجعله ربا

وهو أصل في إبطال الحيل وبه احتج البخاري على ذلك فإن من أراد أن يعامل رجلا معاملة يعطيه فيها ألفا بألف وخمسمائة إلى أجل فأقرضه تسعمائة وباعه ثوبا بستمائة يساوي مائه إنما نوى بإقراض التسعمائه تحصيل الربح الزائد وإنما نوى بالستمائه التي أظهر أنها ثمن الثوب : الربا والله يعلم ذلك من جذر قلبه وهو يعلمه ومن عامله يعلمه ومن اطلع على حقيقة الحال يعلمه فليس له من عمله إلا ما نواه وقصده حقيقة من إعطاء الألف حالة وأخذ الألف والخمسمائة مؤجلة وجعل صورة القرض وصورة البيع محللا لهذا المحرم

قوله رحمه الله فهذا هو الفقر الذي تكلموا في شرفه يعني تكلم فيه أرباب السلوك وفضلوه ومدحوه

وهو نوعان : غنى بالله وغنى عن غير الله وهما حقيقة الفقر ولكن أرباب الطريق أفردوا للغنى منزلة

الثاني: إذا تيسر له في الحال ما يكفيه، فلا يكون شديد الاضطراب لأجل المستقبل ويعينه على ذلك قصر الأمل، واليقين بأن رزقه لا بد أن يأتيه، وليعلم أن الشيطان يعده الفقر.

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Study protocol for the Healthier Wealthier Families (HWF) pilot randomised controlled trial: testing the feasibility of delivering financial counselling to families with young children who are identified as experiencing financial hardship by community-based nurses.: Introduction: Poverty and deprivation can harm children's future health, learning, economic productivity and societal participation. The Australian Healthier Wealthier Families project seeks to reduce the childhood inequities caused by poverty and deprivation by creating a systematic referral pathway between two free, community-based services: universal, well-child nursing services, which provide health and development support to families with children from birth to school entry, and financial c

The global economic burden of health anxiety/hypochondriasis- a systematic review.: Background: Recent studies have shown a lifetime prevalence of 5.7% for health anxiety/hypochondriasis resulting in increased healthcare service utilisation and disability as consequences. To the best of our knowledge, there has been no systematic review examining the global costs of hypochondriasis, encompassing both direct and indirect costs. Our objective was to synthesize the available evidence on the economic burden of health anxiety and hypochondriasis to identify research gaps and provide

Preliminary efficacy of an intervention to reduce psychosocial stress and improve coping in low-income families.: This article reports pre-post intervention results from a randomized controlled trial evaluating the initial efficacy of a couples-based intervention aimed at teaching skills for coping with stress and improving relationship skills in a sample of 173 ethnically diverse low-income co-resident mothers and fathers who were raising at least one child together. Couples were randomly assigned to one of three interventions or to an assessment-only control condition. The Fatherhood, Relationship, and Ma