Assalamu Alaykom Wa Rahmatu Allah
 
 
 
Ruling on the unsubsidized loans
 
Once the aforesaid alternatives, including the subsidized loan, do not help and 
the student needs to borrow in interest in order to complete the university 
study, what will the Sharee'ah ruling be? 
Dealing in Riba (interest) is undoubtedly a major sin in the sight of Allah the 
Almighty; yet, depriving the Muslim student of the university education in 
these countries which come on top of the world countries in science, culture, 
and specialization in the fields of knowledge is a point that needs 
consideration. Generalization of the previous fatwa will bar thousands of 
observant Muslim students from continuing their university education and keep 
them practicing mean professions and crafts. Considering the growing number of 
Muslims, thousands of Muslim students will be denied the university education 
in the near future. Is it possible that a religion [Islam] whose revelation 
began by inviting people to learn would be the same religion that deprives its 
followers of seeking knowledge and rules that a whole nation be left in 
ignorance and scientific backwardness?! Answering the question in the negative 
is what understanding the objectives and spirit of the Sharee‘ah dictates. 
Facilitation and alleviation of hardship advocated by the tolerant Islamic 
Sharee‘ah affirm that the fatwa should not be generalized. However, the 
Sharee‘ah rulings of permissibility or prohibition are not issued on the basis 
of logic, emotions or human reasoning; they are issued on the account of the 
precise texts, grasping their denotations and knowing the cause, clarifying and 
establishing the frame of reference. 
Therefore, and in the next emails; I will present and discuss a number of 
potential reasons for permitting the Riba-based loans, then give preponderance 
to the reason which forms a solid ground to permit borrowing in interest should 
it be the only way to continue the university study. 
 
 
 
 
 


 


Dr.Main Al-Qudah
 
Assistant Professor of Islamic Studies
Imam, MAS Katy Center
Member, AMJA Fatwa Committee


                                          

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وعلومه ولو بالشيء البسيط، ويستثنى من هذا مايتعلق بالشأن العام على مستوى الأمة 
كحدث غزة مثلا... عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه باستثناء الأمر 
العام الذي يهم عامة المسلمين... تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد 
الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على 
التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر 
عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.

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