Assalamu Alaykom Wa Rahmatu Allah
 
 

Third: Saying that necessity in the literature of Fiqh means "what entails harm 
on the person when he abandons it provided other alternatives cannot replace 
it" is very plausible and supported by evidence as detailed previously. It is 
more appropriate and closer to the objectives of the Sharee‘ah and alleviation 
of hardship from people. An example for this in our time is that when water or 
electricity is cut from the Muslim house and he does not find any way to have 
it supplied again except by borrowing in interest, he will be permitted to 
borrow although outage of electricity or water supply does not certainly or 
probably lead to death. Had it been required that necessity had to be 
established, i.e. the man would suffer death or probably die if he did not 
borrow, it would not have been permissible for him to borrow in interest. No 
scholar can held this stance. 
 
 Fourth: Necessities change from a place to place and from time to time. 
Electricity has become one of the necessaries of life whereas it was not as 
such in the past. Similarly, obtaining a university degree has become necessary 
to verify the education a student has received, and one in most cases could not 
continue his study or get a job without a degree. In the recent year, internet 
service has become indispensable for almost all people in the developed 
countries and so on. 
Change and estimation of necessities in this manner have been approved by the 
Fiqh Academies. For instance, Al-Azhar's Islamic Research Academy released a 
statement in 1385 A.H., 1956 A.D., about the issue of Riba interests. It reads: 
"Lending in interest is prohibited, and neither need nor necessity makes it 
lawful. Also, borrowing in interest is prohibited and its sin is not removed 
except under necessity. In this regard, every person will be religiously 
accountable to determine his necessity."
 
Contemporary scholars adopt the same stance in fatwa. Dr. Wahbah Az-Zuhayli 
(may Allah preserve him) explained the condition of the necessity which turns 
the prohibition lawful, saying: "Under the public necessity, the Muslim 
governor has to ascertain the presence of unbearable oppression, obvious harm, 
severe hardship, or public interest in a way that might expose the state to 
danger should it not work according to what necessity requires. On this basis, 
some Muslim jurists tolerated matters of the foreign affairs of the country or 
the international trade, and hence they permitted the state to deal with 
foreign countries and pay annual taxes to fend off the enemies' danger or 
maintaining stability of the state. Some jurists also permitted paying Riba 
interests for foreign loans that the public interest of the state direly needs."
 
 
 
 
 


 


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


                                          

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