is maintained. The Islamic Shari'ah aims through it to establish a balanced society, wherein social justice is upheld and one can live an honorable life. Allah (swt) says: (Wealth and children are the adornment of the life of this world.) [18:46] Since Islam considers money one of the indispensable necessities without which individual nor society can exist, it has ordained that Zakaah be taken (2.5%) from the capital of the rich, if the necessary amount from which it is taken is in that person's possession for a full lunar year. This money is to be distributed amongst the poor. It is a due right of the poor, and it is forbidden to withhold it from them. This does not mean that Islam abolishes individual ownership and private business; rather it sanctions and respects them. There are many explicit texts which prohibit transgression against wealth and property of others. Allah (swt) says: (And eat up not one another’s property unjustly.)[2:188] Islam has enacted laws and regulations the implementation of which guarantees the achievement of its goal… to provide an honorable life for each individual in the Islamic society. Some of the regulations are: [1] Islam has forbidden interest, for it does not allow people to exploit others and devour their wealth wrongfully. Islam has made wealth and property inviolable. Due to the fact that interest leads people to forsake acts of kindness and leads to the accumulation of wealth in the hands of a few, Allah (swt) says: (Oyou who believe! Be afraid of Allah and give up what remains (due to you) from usury (from now onward), if you are (really) believers. And if you do not do it, then take a notice of war from Allah and His Messenger. But if you repent, you shall have your capital sums. Deal not unjustly (by asking more than your capital sums) and you shall not be dealt with unjustly by receiving less than your capital sums).) [2:278-9] [2] Thereligion of Islam encourages people to give loans. It also encourages that one extend the period (of repayment) if one is having difficulty repaying a loan. One should not be harsh to that individual if he intends on repaying his debt. As for those who have the means to pay the debt off, but choose not to, a different course of action should be taken. Allah (swt) says: (And if the debtor is in a hard time (has no money), then grant him time till it is easy for him to repay.)[2:280] The Prophet (Peace be upon him) said: “Whoever loans money to a person in difficulty, he will receive the reward of charity for each day he gives them. And whoever extends the time period for the debtor who has difficulty returning a loan will receive the reward of charity for each day he does so.” [Ibn Maajah] [3] Islam encourages that the loan be pardoned altogether if it is difficult for the debtor to repay it. Allah (swt) says: (And if the debtor is in a hard time (has no money), then grant him time till it is easy for him to repay, but if you remit it byway of charity, that is better for you if you did but know.) [2:280] The Prophet (Peace be upon him) said: “Whoever wishes that Allah save him from the difficulties of the Day of Requital let him extend the time period toa debtor or free him of his loan.” [Muslim] [4] Hoarding and monopolizing of any type of commodity is forbidden, because the trader takes into his possession products which the people need without selling them until the supply decreases, and then he sells them for whatever price he pleases. This incurs much harm, both to the individual and the society, the rich and the poor. The Prophet (Peace be upon him) said:  “Whoever hoards [commodities] would sin...” [Muslim] Abu Yusuf,the student of Imam Abu Haneefah, may Allah have mercy on him, said: “Anything that is hoarded and proves harmful to the public, it is considered of the prohibited type of monopoly, even if (the thing hoarded is) gold or silver. Whoever hoards (something the public is in need of) would have certainly misused what he owns. The reason monopoly is prohibited is to safeguard people from harm, for indeed, people have many different needs, and monopolizing therein would incur hardship upon people.” A ruler may force one who hoards a commodity to sell it at a reasonable profit which is neither detrimental to the seller or buyer. If the monopolist refuses to sell at that profit, the ruler may take possession of the hoarded commodity and sell it at a reasonable price in order to prevent those who may be thinking of exploiting the people by monopolizing goods they are in need of. [5] It has prohibited taxes that are taken from a trader to allow them to sell their goods or to import them into the country. The Prophet (Peace be upon him) said: “One who collects the tax imposed on traders, will not enter Paradise.” [Ahmad & Abu Dawood] This tax is considered taking money unlawfully and giving it to those who are not entitled to it. All those who contribute to this tax, including tax collectors, clerks, witnesses and receivers come under the Prophet’s saying: “No flesh that grows from unlawful things shall be admitted into Paradise; Hellfire shall have the best claim to them.” [at-Tirmidhi] [6] Islam has forbidden hoarding wealth, and not expending from it the due right that belongs to Allah; both the individual as well as society would stand to benefit from this. Wealth should be circulated in society to stimulate the economy, and with this all individuals within society would stand to benefit. Allah (swt) says: (And those who hoard up gold and silver and spend it not in the Way of Allah, announce unto them a painful torment.) [9:34] As Islam respects individual ownership, it imposes rights and duties therein. Among these are obligations which concern and relate to the owner himself, such that he must take care of himself and his dependants; relatives and those who he must upkeep. There are other rights which concern the individuals in society, such that they must pay Zakaah, and give out charity, and help others. Other obligations concern the society at large, such that they must expend to build schools, hospitals, orphanages, mosques, and other facilities which would benefit society. What is sought by this is that resources are not amassed in the hands of a few within society. [7] It has been forbidden to give less in measure and weight, for it is a type of theft, treachery and deception. Allah (swt) says: (Woe to those who give less in measure and weight. * Those who, when they have to receive by measure from men, demand full measure. * And when they have to give by measure or weight to men, give less than due.) [83:1-3] [8] It has prohibited domination of public domain, such as water and public pastures, which do not belong to anyone; and has also prohibited preventing people from benefiting from it. The Messenger of Allah (Peace be upon him) said: “There are three persons whom Allah will not speak to on the Day of Requital nor look at… a person (seller) who falsely swears that he bought a product for a higher price than which [the buyer] bought it, a person who swears to a false oath after [the sacred time of] ‘Asr (late afternoon) so as to usurp the money of a Muslim, and a man who refuses to give excess water. On that day, Allah will say to him: ‘Today I withhold from you my Grace as you withheld what was in excess of your needs, though you are not its creator.” [al-Bukhari] The Prophet (Peace be upon him) said: “All Muslims have equal shares in three things: pasture, water, and fire.” [Ahmad] [9] The Religion of Islam brought about adjust system of inheritance through which wealth is distributed amongst a man's rightful heirs; whether they are young, old, male or female. No one has the right to distribute the inheritance in any other way. One of the benefits of this system is that it divides the estates no matter how large they may be into small shares, thus making it impossible for the money to settle with a certain group. The Prophet (Peace be upon him) said: “Indeed Allah has given each person his due right. So let not one of you bequeath something to someone who is already allotted a portion of the inheritance.”  [Abu Dawood] [10] Islam has legislated endowments, which are of two types: a) Private endowments limited to the family and children of the endower; in order to safeguard them from poverty and begging. The condition of its validity is that the endowment should serve charitable causes after the endower's progeny cease. b) Public charitable endowments which are used to maintain charitable causes; such as building hospitals, schools, streets, public libraries, Mosques, social welfare homes for orphans, foundlings, and the elderly, and all that serve public interest. [11] The Religion of Islam has legislated a system of bequeathal; therefore, every Muslim has the right to bequeath apportion of his money to be used after his death for righteous purposes. TheReligion has limited this portion, to a third so that his heirs would not be harmed. Aamir bin Said (t)said: “The Prophet (Peace be upon him) would visit me while I was sick in Makkah (Mecca). I said to him, ‘I have some wealth, may I bequeath all of it [in charity]?’ He replied, ‘No.’ I said, ‘Then half of it?’ He replied, ‘No.’ Then I said, ‘A third?’ He replied, ‘A third is much. If you leave your heirs rich, it would be better than to leave them relying upon others begging them [for money]. Whatever you spend, it will act as a charity for you, even a morsel of food which your hand feeds your wife. Perhaps Allah will raise your status and cause some people to benefit from you, and cause others to be harmed.” [al-Bukhari] [12]. Islam has forbidden all that falls under the words of Allah: (O you who believe! Eat not up your property among yourselves unjustly.) [4:29] This includes: a) Usurpation of anything without right, for it involves wronging others and spreading corruption in society. The Prophet (Peace be upon him) said: “Whoever usurps a Muslim’s right through a false oath, Allah makes the Hellfire obligatory upon him and Paradise forbidden. A man asked, ‘Even if it were something negligible O Messenger of Allah)?’ He replied, ‘Evenif it were a twig of an ‘Arak Tree’.” [Muslim] b) Theft. The Prophet (Peace be upon him) said: “The fornicator who fornicates is not true believer so long as he commits it, no thief who steals is a true believer as long as he commits theft, and no drunkard who drinks wine is a true believer as long as he drinks it.” [Muslim] For it includes taking people's wealth without right. Allah (swt) says: (Sever the hand of the thief, male or female, as a recompense for that which they committed, a punishment by way of example from Allah. And Allah is All Powerful, All Wise.) [5:38] In order for man's hand to be severed as a castigatory punishment, the following conditions have to be met: I. The wealth must have been in the custody and protection of the owner. ii. The motive behind the theft must not have been the need for food, drink, or clothing. If this were the motive, the hand would not be severed. This is taken from the judgment of ‘Umar(t) in the year of the Ramadan. iii. The amount stolen must meet the minimum required amount set for the implementation of this punishment. Some of the scholars have stated that the repentance of the thief is not accepted until here turns what he has stolen to its owner. If he has no wealth, the owner of the wealth is asked to pardon him. Furthermore, if the owner pardons the thief before the case reaches the court, then the castigatory punishment is dropped. c) Deceit and cheating. The Messenger of Allah (Peace be upon him) said: “Whoever fights us is not from us, and whoever deceives us is not from us.” [Muslim] d) Bribery. Allah (swt) says: (And eat up not one another’s property unjustly, nor give bribery to the rulers that you may knowingly eat up a part of the property of others sinfully.) [2:188] The Prophet (Peace be upon him) said: “May Allah curse the one who gives a bribe and the one who takes it in matters of judicial rulings.” [at-Tirmidhi] Allah cursed the one who gives a bribe because he helps to spread evil in society; if he had not offered the bribe there would never have been any bribery. Allah cursed the one who accepts the bribe because he takes what is not rightfully his, and breaches the trust he was given; for he takes a price for a duty which he was designated to do in the first place. e) It prohibited that a person sell something to a customer after his brother is about to strike a deal with him, except if he allows him to do so. This is because it stirs enmity and hatred between individuals in society. The Prophet (Peace be upon him)said: “Let not any person sell something if his brother [seller] is about to strike a deal, and let not any person propose to a women for the sake of marriage whom his brother has already proposed, except if he gave him permission.” [Muslim]

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