Many of Dr. Israr Ahmad’s educated friends and acquaintances advised him to deposit his retirement funds in fixed-rate Defense Savings Certificates, believing it to be the most beneficial solution. He disagreed. This lecture explains the impermissibility of interest, even when deposited in seemingly permissible schemes. They have fixed their money and are consuming the profit, believing it to be permissible, which he identifies as a significant error. The profit derived is direct interest – *haram* – and not a permissible form of trade or investment.

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The door of repentance remains open for a considerable time, allowing individuals years to seek forgiveness. This opportunity continues until the setting of the sun from the west—a major sign of the approaching Day of Judgement. The Quran states that Allah will accept the repentance of those who turn to Him before this sign appears. Once the sun begins to rise from the west, the door of repentance will be closed, and any subsequent repentance will not be accepted. This emphasizes the urgency of seeking forgiveness while time remains.

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According to revealed scriptures, the gravest sin is usury (interest). Shirk (associating partners with God) is unpardonable. The Quran states God does not forgive associating partners with Him, but forgives lesser sins to whomever He wills. Usury, declared as warfare by God and His Messenger, has become central to modern economic systems like banking and capitalism.

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The Quran describes a day of immense hardship, 'Yaum-e-Farar,' where individuals will prioritize self-preservation above all else. On this day, familial and societal bonds will dissolve as people flee from loved ones—siblings, parents, spouses, and children—driven by intense fear and a desperate desire for personal salvation. The text highlights the complete breakdown of relationships and the overwhelming self-interest that will characterize this day of reckoning, where individuals will solely focus on escaping divine punishment.

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The word ‘Sawm’ (fasting) fundamentally means to abstain or stop. This encompasses ceasing from eating and drinking, halting speech, or even pausing physical activity. The Quranic verse from Surah Maryam references a vow of abstinence. Historically, ‘Sawm’ in pre-Islamic Arabian society denoted refraining from desires, including sexual activity. It also described a horse standing perfectly still. The term was adopted by the Quran to define the act of fasting as a form of worship, signifying a complete cessation of bodily needs and worldly distractions. It’s a comprehensive cessation, not merely from food and drink, but from all impulsive desires and worldly engagements.

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The lecture discusses the origins of Islam, emphasizing its initial state of being foreign and unfamiliar. It highlights how Allah granted Islam dominance and power, but warns of a potential return to its original state of isolation if individuals distance themselves from its principles. The speaker congratulates those who remain connected to Islam, despite facing potential alienation and lack of support from their surroundings. The message underscores the importance of remaining steadfast in faith to avoid becoming outcasts.

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