002:276

The Holy Qor-aan                                                                                                           002:276

اَلَّذِيۡنَ يَاۡكُلُوۡنَ الرِّبٰوا لَا يَقُوۡمُوۡنَ اِلَّا كَمَا يَقُوۡمُ الَّذِىۡ يَتَخَبَّطُهُ الشَّيۡطٰنُ مِنَ الۡمَسِّ‌ؕ  ذٰ لِكَ بِاَنَّهُمۡ قَالُوۡۤا اِنَّمَا الۡبَيۡعُ مِثۡلُ الرِّبٰوا‌ ۘ‌  وَاَحَلَّ اللّٰهُ الۡبَيۡعَ وَحَرَّمَ الرِّبٰوا‌ ؕ  فَمَنۡ جَآءَهٗ مَوۡعِظَةٌ مِّنۡ رَّبِّهٖ فَانۡتَهٰى فَلَهٗ مَا سَلَفَؕ   وَاَمۡرُهٗۤ اِلَى اللّٰهِ‌ؕ  وَمَنۡ عَادَ فَاُولٰٓٮِٕكَ اَصۡحٰبُ النَّارِ‌ۚ   هُمۡ فِيۡهَا خٰلِدُوۡنَ‏   

Ul-la-zee-na  yau-ko-loo-na  ur-ray-baa  laa  ya-qoo-moo-na                                                    Il-laa  ka-maa  ya-qoo-mo  ol-la-zee                                                                                                  Ya-ta-khub-ba-to  ho  osh-shai-taa-no  may  naul-mus-say

Zaa-lay-ka  bay  un-na  hoom  qaa-loo                                                                                              In-na-maa  ul-bai-o-  mith-lo  or-ray-baa                                                                                      Wa  aa-haul-la  ul-laa-ho  ol-bai-aa  wa  hur-ra-ma  ur-ray-baa

Fa  maun  jaa-aa  hoo  mao-aiy-za-ton  min/r rub-bay  he                                                        Fa  un-ta-haa  fa  la  hoo  maa  sa-la-fa                                                                                            Wa  um-ro  hoo  aiy-la  ul-laa-hay                                                                                                 

Wa  mun  aa-da  fa                                                                                                                              O-laa-aiy-ka  us-haa-bo  on-naa-ray  hoom  fee  haa  khaa-lay-doo-n 

Those who eat Usury can’t rise and grow                                                                 Except like him who rises                                                                                             Whom Satan turns crazy from (= with) a touch. 

This is because they certainly had said,                                                                          “Trading most certainly is like the Usury                                                                            And Allah has allowed Trading and prohibited the Usury.”

So, whoever got a direction from his God                                                                          And stopped, then for him is what has passed.                                                          And his fate rests with Allah.

And whoever repeated then                                                                                                  They all are inmates of Fire. They are dwellers in it.

• ٱلَّذِينَ — Ula-zee-na — Those who (= pl., m., 3^rd person article, thing or person; those who)
• يَاۡكُلُوۡنَ — Yau-ko-loo-na … (r) — Eat (= v., pres., pl., 3^rd person. Consume; devour; dine; feed; fill; gulp; insert; intake; partake; put; swallow)
• الرِّبٰوا — Ray-baa — Usury  *  (= n., Compounding interest known as interest-on-interest that goes on multiplying itself as is practiced by the world-wide banking system. The activity, business or demand for lending money with compounded interest. Exponentially multiplying interest. Interest inflated with layers upon layers. Hard money loans subject to harsher, higher and punitive interest rates . See below Note 002:276)
• لَا — Laa — No (= Absolutely not; not at all; never. Not translating the two words لَا and اِلَّا which together constitute a double negative has led some translations to state what appears to be exactly the opposite of what the original text said)
• يَقُوۡمُوۡنَ — Ya-qoo-moo-na — Rise (= v., pres., pl., 3^rd person. Appear; confront; develop high standing in society; enrich; face; get established; grow; stand; take a stand. A/t/a ‘Become rich’)
• اِلَّا — Il-laa — Except (= Besides; excluding; in case; save; unless)
• کَمَا — Ka-maa — Like what (= Combination of two words; the first  كَ  (ka) means like,  identical, resembling or similar; the second  مَاۤ  (maa) means all that, what, whatever, whatsoever, when and whenever. Jointly the words mean like that, just the way. Identical to. In the same fashion, line, manner, method or style)
• يَقُوۡمُ — Ya-qoo-mo … (ol) — Rises  (= v., pres. s., 3^rd person. Makes them rise and stand. See  يَقُوۡمُوۡنَ  above)
• الَّذِىۡ — La-zee — Whom (= s., m., 3^rd person article, thing or person; he who; which)
• يَتَخَبَّطُ — Ya-ta-khaub-ba-to — Turns crazy (= v., pres., pl., 3^rd person. Affects, bites, causes, downs, dements, drives, hits, infects, influences, leads, makes, prostrates, puts down, smites, touches or turns a devourer of usury into a crazy, evil, imbalanced, insane or mad person who has lost control of his mind or power of reasoning. Developed a mental defect or disorder)
• هُ — Ho … (osh) — Him (= pro., s., m., 3^rd person. Refers to the aforesaid person)
• الشَّيۡطٰنُ — Shai-taa-no — The Satan (= n., s., A bad, evil or false deity, friend, leader or Satanic companion. The devil. The Evil Embodiment. The evil One. The evil spirited person. The evil personified. Polytheist. Rebellious ringleader. Also, a hypocrite; an idol-worshiper, the insanity or satanic imbalance)
• مِنَ — May-na … (ul) — From (= By means of; from the class, category, count or out of)
• الۡمَسِّ‌ — Mus-say — Touch (= n., Affliction. Contamination. Effect. Handling. Infection. Influence. Smiting. Touch. This word could have been a verb in the past tense if the word  مِنَ  was not before it)
• ذٰلِكَ — Zaa-lay-ka — All this (= Right in here)
• بِ — Bay — Because (= The Arabic word  بِ  literally means ‘with’ in English. Here it refers to being with the cause of and so means because, due to, for the reason, under circumstances)
• اَنَّ — Un-na — Certainly (= Definitely; doubtlessly; indeed; positively; surely; verily)
• ھُمۡ‌ — Hoom — Them (= pro., pl., m., 3^rd person. Those who devour usury)
• قَالُوۡا — Qaa-loo — They said (= v., past., pl., 3^rd person. Announced; asserted; claimed; conveyed;  declared; informed; insisted; maintained; professed; replied; specified; stated; told)
• اِنَّمَا — In-na-maa … (ul) — Most certainly (= Combination of two words. The first word اِنَّ (inna) means absolutely; definitely; doubtlessly; earnestly; indeed; positively; really; seriously; surely; truly; verily. The second word  مَاۤ  (maa) means all that, what;  whatever; whatsoever. Thus  اِنَّمَا  (inna-maa) lays great emphasis on the statement that follows it as absolutely, positively and most certainly accurate’)
• الۡبَيۡعُ — Bai-o — The Trading (= n., The activity or business of buying and selling for profit;  bargaining; bartering; buying and selling; exchanging by an even-handed give and take; negotiating; trafficking. See the Note 002:255)
• مِثۡلُ — Mith-lo … (or) — Like (= Case; case study; duplicate; example; likeness; parable; similarity; similitude. A/t/a Attribute)
• الرِّبٰوا — Ray-baa — The Usury * (= n., The activity or business of lending money on compounding interest. See الرِّبٰوا  above )
• وَ — Wa –And / But — (= Conj., links words, phrases or clauses; additionally; also; more over; though; when; while; yet; whereas)
• اَحَلَّ — Aa-hul … (ul) — Allowed (= v., past., s., 3^rd person. Allowed; approved; authorized; legalized; licensed; permitted. Made acceptable, appropriate, proper, kosher or lawful)
• اللّٰهُ — Laa-ho … (ol) — Allah (= The Almighty God; The only One worthy of worship
• الۡبَيۡعَ — Bai-aa — The trading (= Activity or business of buying and selling for profit. See الۡبَيۡعُ above)
• وَ — Wa — And (= Additionally; also; although; but. See وَ  above)
• حَرَّمَ — Hur-ra-m … (ur) — Prohibited (= v., past., s., 3^rd person. Banned; criminalized; forbidden; made unlawful;  restricted; stopped)
• الرِّبٰوا — Ray-baa — The Usury * (= n., The activity or business of lending money on compounding interest. See الرِّبٰوا  above )
• فَ — Fa — So (= Consequently; as a result; then; thereafter; therefore)
• مَنۡ — Mun — Whoever (= What; who; whoever)
• جَآءَ — Jaa-aa — Got (= v., past., s., 3^rd person. Literally, arrived or came to. Had achieved, obtained or received Divine command. Was brought, conferred, delivered, given, positioned, reached, settled or succeeded with)
• هٗ — Hoo — Him (= pro., s., m., 3^rd person. Refers to aforesaid person)
• مَوۡعِظَةٌ — Mao-aiy-za-toon — Direction (= n., Command, decree, dictate, instruction, law, mandate or order. Also, advice; advisement; example; exemplary precedent; exhortation; lesson; teaching example. A/t/a, Admonition; advice with warning; reprimand; stern guidance; strongly worded guidance)
• مِّنۡ — Min … (ir) — From (= From the class, category or count or out of)
• رَّبِّ — Rub-bay — God (= The Almighty Allah who fills needs of all creatures; Cherisher; Creator; Guardian; Master; Lord Provident. The Only One Who provides all that sustains life. The Ultimate Provider of air, water, food and whatever we and all other creatures need to live and subsist)
• هٖ — He — His (= pro., s., m., 3^rd person. Refers to aforesaid person)
• فَ — Fa..(un) — Then (= As a result; consequently; so; thereafter; therefore)
• انۡتَهٰى — Un-ta-haa — Stopped (= v., past., s., 3^rd person. Abstained, avoided, ceased, desisted, ended, kept away, made amends, mended ways, terminated, refrained, restrained, restricted or stayed away from the prohibition-
• فَ — Fa — Then (= Consequently; resultantly; so; thereafter; therefore; yet)
• لَ — La — For (= Belonging to him. Keep, pocket or retain the benefit already reaped, interest already received or whatever already earned. A/t/a excused, forgiven or pardoned)
• هٗ — Hoo — Him (= pro., s., m., 3^rd person. Refers to aforesaid person)
• مَاۤ — Maa — What (= All that; whatever; whatsoever)
• سَلَفَ — Sa-la-fa — Has passed (= v., past., s., 3^rd person. Already completed, done, gone, happened or occurred. A/t/a, ‘interest already received’ and ‘shall not be punished for the past’)
• وَ — Wa — And (= Additionally; also; although; but. See وَ  above)
• اَمۡرُ — Um-ro — Fate (= n., s., 1. Affair; matter; task. 2. Case; cause; decision; issue; judgment; problem; punishment )
• هٗ — Hoo — His (= pro., s., m., 3^rd person. Refers to aforesaid person)
• اِلَى — Aiy-la … (ul) — To (= In the hands of; rests with; towards; with)
• اللّٰهِ — Laa-hay — Allah (= The Almighty God; The only One worthy of worship)
• وَ  — Wa — But (= Additionally; also; although.  See وَ  above)
• مَنۡ — Mun — Whoever (= What; which; whoever)
• عَادَ — Aaa-da — Repeated (= v., past., s., 3^rd person.  Came back, reverted or returned to the prohibited activity or banned practice of lending money on usury)
• فَ — Fa — Then (= Consequently; resultantly; so; thereafter; therefore; yet)

See Phrase O-laa-aiy-ka  us-haa-bo  on-naar … meaning “They are inmates of Fire”

• اُولٰٓٮِٕكَ — Olaa-aiy-ka — They all (= Aforesaid facts, persons or things. Here the reference is to aforesaid folks, people, sinners and wrong doers)
• اَصۡحٰبُ — Us-haa-bo … (on) — Inmates (= n., pl., This one word has many shades of meanings.   With closeness as an element … Associates; companions; families; fellows; folks; friends; heirs.  With residence as an element … citizens; denizens; dwellers; guests; inmates; inhabitants; invitees; live ins; natives; residents; stayers; visitors. With control as an element … army; controllers; fighters; masters; occupants; occupiers; owners; people; populace; population; possessors; soldiers)
• ٱلنَّارِ — Naa-ray — The Fire (= Anger, punishment or wrath of Allah; hell; hell fire; purgatory. The Fire of punishment. Literally, the rapid sustained reaction or source of releasing light and heat)
• هُمۡ‌ — Hoom — They (= pro., pl., m., 3^rd person. Refers to aforesaid inmates)
• فِىۡ   — Fee — In (= Contained in or amidst a duration, event, time, place, period, thing or situation; inside)
• هَا — Haa — It (= pro., s., f., 3^rd person., Refers to the fire)
• خٰلِدُوۡنَ — Khaa-lay-doo-n — Dwellers (= n., pl., Those abiding, living, staying or residing for a time unspecified as in a hospital or rest house. To add words like everlastingly, for ever after, permanently and perpetually is inappropriate for those who will go   to hell. Adding such a qualification is appropriate only for the residents of Paradise . Some interpreters have incorrectly labeled this period to last forever. See Note 002:040)

i            * Note 002:276. The Divine Dictate laid down in this verse has prohibited  الرِّبٰوا which means usury. The simple, straightforward and logical translation is “Those who eat the usury can’t rise and grow except like him who rises when Satan turns him crazy from a touch.” 

Some translations elaborated this word to mean Riba An-Nasiah that charges interest on money loaned and includes all activity or business of lending money for profit, simple interest, compounding interest, exponentially multiplying interest, or return inflated with layers upon layers of interest.

Other have included Riba Alfadl that means (a) to get back more quantity of a thing than given, or (b) to get back superior quality of a thing after giving inferior quality of the same.

Some translations make little sense. Contradicting the clear meanings of the text is what one [njd] that said, “Those that live on usury shall rise up before Allah like men whom Satan has demented by his touch.” Also, inapplicable in the current context is to say that they won’t “Rise and stand on the Judgment Day before Allah to beg for clemency, forgiveness and repentance.”

This verse should be read along with the verses 002:277, 002:279, 003:131 and 030:040.

The Commentary titled as the “Law – Usury” also sheds some light on this subject.