Ahmadiyya and Ribaa

 بسم الله الحمد لله و صلاة و سلام على رسول الله و على آله و سلم

It is common knowledge that Ribaa (usury) is haraam in Islam. Allah says in the Qur’an,

[3.130] O you who have believed, do not consume usury, doubled and multiplied, but fear Allah that you may be successful.
[4:161And [for] their taking of usury while they had been forbidden from it, and their consuming of the people’s wealth unjustly. And we have prepared for the disbelievers among them a painful punishment.
[30:39And whatever you give for interest to increase within the wealth of people will not increase with Allah. But what you give in zakah, desiring the countenance of Allah – those are the multipliers.
[2:275] Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan into insanity. That is because they say, “Trade is [just] like interest.” But Allah has permitted trade and has forbidden interest. So whoever has received an admonition from his Lord and desists may have what is past, and his affair rests with Allah . But whoever returns to [dealing in interest or usury] – those are the companions of the Fire; they will abide eternally therein.

In fact, Ribaa is the only thing that Allah سبحانه و تعلى and his Messenger صلى الله عليه و سلم declare war on in the entire Qur’an:

[2:278-279] O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers. And if you do not, then be informed of a war [against you] from Allah and His Messenger. But if you repent, you may have your principal – [thus] you do no wrong, nor are you wronged.

The Holy Prophet صلى الله عليه و سلم said,
Narrated by Abdullah ibn Mas’ud: The Apostle of Allah (peace be upon him) cursed the one who accepted usury, the one who paid it, the witness to it, and the one who recorded it. (Sunan of Abu Dawood, Hadith 3327)

The Ahmadiyya community on the other hand, an organisation whose founder claimed to be the reviver of Islam, an organisation that sees itself as the saved sect of Islam, has no qualms in accepting interest. The following table was taken from the website of the Charity Commission that shows the interest income of the Ahmadiyya Muslim Association United Kingdom in 2010:

(Annual Reports and Financial Statements 2010, p. 10)

Bank interest income in 2009:(Annual Reports and Financial Statements 2009, p. 9)

Bank interest income in 2008:(Annual Reports and Financial Statements 2008, p. 9)

The justification given by the Jamaat:(Annual Reports and Financial Statements 2009, p. 15)

How can that serve as justification? While the income from interest may be small compared to the overall income, it’s the principle that counts. Allah سبحانه و تعلى clearly forbids interest but according to the Ahmadiyya Community receiving interest payments is acceptable if it’s used for the propagation of Islam. Now, ordinary Ahmadis have to ask themselves: If that was permissible, would Allah سبحانه و تعلى not have given the Prophet صلى الله عليه و سلم permission to charge interest in order to help with the wars that the Muslims had to fight? Funds were desperately needed yet Allah سبحانه و تعلى never gave permission to charge interest.

Furthermore we have Lord Tariq Ahmad and leaders of the Ahmadiyya Community allowing the use of interest based mortgages (@ 34:00):

Funny enough, Mirza Masroor, the leader of the Ahmadiyya Cult, himself preaches openly against interest, keeping ordinary Ahmadis in the dark about the Jamaat’s own dealings. They know that most Ahmadis will not question the Jamaat and will not bother looking up the financial statements of the Jamaat. Mirza Masroor devoted a whole Friday sermon on this topic:

“Huzur said usury/interest can result in horrendous consequences, rendering well-off people bankrupt and destroying their family life in the process. (…)
Someone once asked the Promised Messiah (on whom be peace) about borrowing money on interest due to being in a vulnerable position. He responded that Allah arranges for one who relies and puts his/her trust in Allah and that usury/interest was as much of a sin as adultery, theft etc. (…)
Islam allows the eating of the flesh of swine in extreme cases (2:174); however usury/interest is not permissible under any circumstances as the Qur’an states in Surah Al Baqarah (2:279).”

This is another case of Ahmadiyya hypocrisy. Telling their people one thing while practicing the exact opposite. Ahmadis should question their leadership about this. How can they justify receiving interest for the propagation of Islam when Allah سبحانه و تعلى clearly forbids interest. Why does your Khalifa not practice what he preaches?

Many banks in the UK (such as Lloyds TSB or HSBC) offer Islamic business accounts. The Jamaat could have used any of those banks and avoid receiving interest payments. There is really no excuse left for the Jamaat to justify its bank interest income.

Is Ahmadiyya really the true Islam? Evidence, as shown above, speaks to the contrary.

The author reverted from Ahmadiyya to Islam in 2010
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14 thoughts on “Ahmadiyya and Ribaa

  1. nice, barak allah feek. i always asked this question, got no good answers. i was told the jamaat mufti’s still researching the definition of riba. hello, there’s 1400 years of ulema to look at.

  2. The ‘A’ will accept any and all types of money as long as it funds the lifestyles of the Mirza family, who are still living high on the hog.

  3. I didnt understand something about this blog post.
    Is the interest gained here, the interest that most normal people get when they own a bank account in the UK – i.e. the bank pays out a small percentage to those who have money sitting in the bank?

    I know you said that they can open a bank account that doesnt distribute out the interest, i.e. with IBB they wont give you that money?
    But, I just wanted to know if this was interest that was simply put into their accounts by the banks – or is this another form of interest that they have received?

    • “i.e. the bank pays out a small percentage to those who have money sitting in the bank?”

      Yes bro, this is the interest that you get from the bank. But here in the UK Muslims have had the option to choose interest free accounts for years now.

    • I got Current account in Bank and there is no interest on it I try to avoid as much as possible. and Alhamdullilah I am quit safe from it.

  4. I studied Economics and Finance, so I can speak a little about this.

    Islam only mandates Zakah money – and this was given directly to the poor.

    But obviously the affairs of a religion demand funding. This goes without being said. So, how does Islam get “funded”? One of three ways:
    A) Direct Donations, ie just giving money and spending it. This is not sustainable long-term, especially for a large community. This is best only when a community is starting out.
    B) A Rich Benefactor – A single person or organization donates all of the money required for a project or institution. For example, the Saudi gov’t maintains masjid al-Haraam and al-Nabawi.
    C) Establishing Endowments – Basically after pooling together some funds, you invest it in a business and the PROFIT that is gained from that investment is used to upkeep the community. In Arabic, this is called Waqf (Awqaaf). Awqaaf used to be extremely prevalent in the Muslim world for every little cause or function, and this was the most common method of “financing” the operations of Islam.

    And you know what the beauty of this is? Lets suppose a community is in a state where, for whatever reason, it currently does not need money. No problems, you just don’t give. There is no reason for a religious organization to continue to collect massive amounts of money when it has no need. Otherwise, you end up having the same corruption that occurred with the Catholic Church (mega rich church, poor parishioners)

    There’s two basic ways of financing something
    A) On Credit (ie, ribaa, getting a loan, etc)
    B) On Equity (ie, savings)

    The Muslims (and Jews) world opted for Equity-based financing, as the Qur’an explicitly rejects Credit-based financing.

    Yes its true that the entire system of Economics is based in ribaa, undeniable. But, that doesn’t mean you surrender and accept it, as Ayyaz suggested. Instead, you you pool your resources together and create create your own Islamic system that operates parallel. The Prophet Ahmad صلى الله عليه و سلم said a time will come when ribaa is so prevalent that even those who do not deal with it will be in its dust. In those times, he said, keep yourself as clean as possible.

    This is what Muslims do, but clearly this is not the official approach of the Ahmadiyya religion.


  5. Ahmadiyah Moslem Jamaat collects bank interests for printing and publication of the tabligh books. That’s all.

    Love for All, Hatred for None

    • A) Watch the video, the speaker says ribaa-loans on homes are fine if you’re paying the same amount for rent. So, he ribaa is allowed.
      B) All you’ve done is said “if we believe our cause is good, we are allowed to go to war with Allah and his Messenger”.

      When the Ka’ba was rebuilt pre-Islam, even the Mushrikeen said the money spent on rebuilding it cannot have any ribaa on it. Yet, the Ahmadiyya faith says its okay to do ribaa to buy a house and finance their operations.

      Its sad…

    • The Abu Musa Jama’at allowes robbing rich people and giving it to the poor…. (a bit like Robin Hood)

      Yes – I know robbing is not allowed in Islam, but, there is a greater cause – i.e. giving it to the poor…

      Allah (swt) does not allow interest (ribaa) – so you can not justify it because there is a ‘better cause’ that the money goes to. Otherwise, you allow the door of all haram to be opened because you have a better cause behind it.

      • It falls back to culture. Some sins are palatable in the Indo-Paki community, some are not. Ribba is.

        I know a guy who rented a trailer-park home for 30~ years. Through it, he was doubting himself, seeing his friends in HUGE houses, etc. After 30 years, he bought a house in CASH. When the property values increased, he sold his house for a profit. When they collapsed again, he bought two or three (I forgot).

        Meanwhile, his friends refinanced to an ARM (Adjustable Rate Mortgage) when the rates were low but when interest rates shot up, they tried to sell their houses. However, the value dropped so much they LOST money on the sell and couldn’t even repay their mortgage.

        “Allah destroys Ribba and Increases Charity”

        • This problem is not culturally just done within the Indo-Pak community.
          The Arab world is struggles in this department.
          & although I cannot speak for the ‘far eastern’ communities – I am sure that they will also have real issues in how to purchase property without loans, starting businesses, pensions etc…

          It has become a real global issue/problem for the Muslims – and even many salaries that are paid by goverments or within large businesses are tainted with ribaa. How many a source of income has some link to a bank – therefore, has a connection to interest

          I cannot recall the hadith exactly – but the prophet (saw) narrated that towards the end of time, avioding it would be like avoiding the dust ashes that are produced from flames – i.e. it would be very difficult to not get even slightly tainted with ribaa.

          May Allah (swt) make things easy for the ummah in how they gain and how they spend their wealth

    • Yeah, that doesn’t make it any better… Ribaa is still haraam. And in the UK bank interest is easily avoidable. The Ahmadiyya Jamaat is just a money making scheme; this here is another proof. I mean, how can a group be the true Islam and the saved sect if it has no problem with declaring war on Allah and His Messenger (SAW)?

  6. Some friends and I did this thing where we pooled together our money and paid off all or large percentages of the outstanding interest-bearing debts of our friends. We’re getting paid back WITHOUT interest.

    Another group of friends pooled together their savings (which came to over a million) and realized their 0% checking accounts weren’t getting them anywhere. So they quit their jobs, and started the business of buying buying houses, fixing them up, and selling them for a profit – ALL Muslims, No Ribba

  7. They take interest claiming they are the saved sect and then some members then make it permissible for them to use haram money?? Whats wrong with these people? What brainwashing?

    Well done brother you are highlighting so much misguidance by this group that inshAllah all that brainwashing can be destroyed and the people who are currently tricked by this group can come back to the truth of Islam.

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