1. The document discusses Islamic economic principles derived from Quranic verses, including: prohibiting usury and hoarding wealth; establishing economic justice; encouraging spending in charity and tolerance; and seeking lawful sustenance through honest work rather than fear or killing offspring. 2. It outlines the importance of fulfilling obligations to orphans and poor, avoiding extravagance or miserliness, and establishing moral character along with a just economic system. 3. The Quran teaches that Allah alone controls provision of sustenance, and people of all classes should cooperate in lawful economic activity to meet basic needs and improve living standards according to ability.

1. Quran and Economic Reforms
Ref: Iqtesadiat e Islam
Shaikh ul Islam Dr. Tahir ul Qadri

2. 1. Description of Economics
• 32:43
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32. Is it they who distribute the mercy (of the Prophethood) of your Lord? We distribute
amongst them (the resources of) economy in the life of this world, and We alone raise some of
them in grades (of wealth and resources) over the others. (Do We do this so that) some of
them (who are rich) should make fun of the others (who are poor? This is mockery of poverty
if, due to this, you do not consider someone as deserving the mercy of the Prophethood.) And
the mercy of your Lord is better than that (wealth) which they amass (and become arrogant).

3. • 124:20
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124. And whoever turns away from My direction and guidance
(i.e., remembrance and advice), his worldly sustenance will be
narrowed, and We shall raise him blind on the Day of Resurrection (as well).’

4. 2. Provision of Sustenance
(Rizq Ki Kafalat)
• 6:11
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6. And there is no moving creature (living being) on the earth but (that) its sustenance
is (a bountiful obligation) upon Allah. And He knows its resting-place and (also) the
place where it is to be entrusted. Everything is (recorded) in the enlightening Book
(the Protected Tablet [al-Lawh al-Mahfuz]).

5. • 38:24
o
38. So that Allah gives them the best reward for the (good)
deeds they have done, and bestows upon them (still) more out
of His bounty. And Allah blesses with sustenance (and
provisions) without measure whom He wills.

6. • 82:28
o
82. And those who were longing for his position and prominence the day before said
(feeling sorry and regretful): ‘How amazing! Allah gives abundantly to whom He wills
and sparingly (to whom He wills) of His servants. Had Allah not done favour to us, He
would have sunk us (too). Ah! (It is now understood) that the disbelievers cannot
attain to deliverance.’

7. • 58:51
o
58. Truly, Allah alone is the Sustainer of everyone, the Lord of
Great Might, the Most Strong. (He does not need anyone’s help
and assistance.)

8. • 10:7
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10. And surely, We established you firmly on earth with control
and authority and created therein means of sustenance for you.
Yet you thank but little.

9. • 20:15
o
20. And in it We generated for you means of subsistence and
also for those (human beings, animals and birds) whom you do
not provide for.

10. 3. Grades of Economy
(Darajat e Maeeshat)
• 32:43
o
32. Is it they who distribute the mercy (of the Prophethood) of your Lord? We
distribute amongst them (the resources of) economy in the life of this world,
and We alone raise some of them in grades (of wealth and resources) over the
others. (Do We do this so that) some of them (who are rich) should make fun
of the others (who are poor? This is mockery of poverty if, due to this, you do
not consider someone as deserving the mercy of the Prophethood.) And the
mercy of your Lord is better than that (wealth) which they amass (and become
arrogant).

11. • 58:28
o
58. And how many towns have We destroyed that became
arrogant and ungrateful on account of their prosperous
economies! So here are (the remains of) their (ruined) houses
that have been inhabited after them but little. And We alone
are the Inheritor and Owner (in the end).

12. 4. Economic Justice
(Muashi Adal)
• 8:5
o
8. O believers! Holding fast to the cause of Allah, bear witness based on
justice. And let not (even) the extreme hostility against a people provoke
you into abstaining from justice (in their case). Always do justice, (for) it is
closer to piousness. And fear Allah. Indeed, Allah is Well Aware of your
works.

13. • 29:7
o
29. Say: ‘My Lord has enjoined justice. And set your direction
aright (towards the Ka‘ba) on every occasion and place of
prostration. And worship Him, devoting your obedience
sincerely to Him alone. As He has originated your (creation and
life) so will you return (towards Him).’

14. • 85:11
o
85. And, O my people, give full measure and full weight with
justice, and do not give people their things less than their due.
And do not spread destruction in the land by becoming
mischief-mongers.

15. • 9:55
o
9. And keep weighing justly and do not make the balance fall
short.

16. 5. Meagerness and Love of Wealth
(Bukhal aur Hub e Maal)
• 20:89
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20. And you love wealth and riches inordinately.

17. • 8:100
o
8. And indeed, he is quite stubborn in his love of wealth.

18. • 1-4:104
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1. Woe to everyone who slanders (face to face) and finds fault (in absence)!
o
2. (Woe to him) who accumulates wealth and keeps counting it!
o
3. He thinks that his riches will keep him alive forever.
o
4. By no means! He will certainly be cast into al-Hutama (the crushing up Fire).

19. • 11:92
o
11. And his wealth will not help him any way when he falls into
(the pit of) destruction.

20. • 180:3
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180. And those who are niggardly in giving away (from the wealth) which Allah has
bestowed upon them out of His bounty must never consider this miserliness of any
benefit to themselves; it is rather injurious to them. Soon on the Day of Resurrection,
this wealth they are niggardly about will be put around (their necks) like a neck-
fetter. To Allah belongs the heritage of the heavens and the earth (i.e., He will remain
the Owner of the universe after your death in the same way as He owns it today).
And Allah is well aware of all your deeds.

21. • 37:4
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37. Those who are miserly and bid others (also) to be miserly
and hide that (blessing) which Allah has granted them of His
bounty. And We have prepared a disgraceful torment for the
disbelievers,

22. 6. Prohibition of Hoarding
(Irtekaz ki Mamana’t)
• 34:9
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34. O believers! Indeed, the majority of the priests and monks (of the People
of the Book) devour the wealth of people through unfair (means) and hinder
from the path of Allah (i.e., fill their safes with people’s money, and hinder it
from being spent for the publicity and promotion of the true Din [Religion]).
And those who hoard silver and gold and do not spend it in the cause of
Allah, warn them of a grievous torment.

23. • 35:9
o
35. The Day when this (gold, silver and wealth) will be heated in the Fire of
Hell, their foreheads, sides and backs will be branded with this (heated
material, and it will be said to them:) ‘This is the same (wealth) that you
treasured for (the benefit of) your souls. So taste (this wealth) which you had
been amassing.’

24. • 7:59
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7. And whatever (materials of fay—spoils) Allah restored to His Messenger ([blessings and peace be
upon him] taking out) from the people of (the towns captured without war in addition to those of
Qurayza, Nadir, Fadak, Khaybar and ‘Urayna) belong to Allah and His Messenger (blessings and peace
be upon him) and (the Messenger’s) near relatives (i.e., Banu Hashim and Banu ‘Abd al-Muttalib) and
the orphans and the needy and the wayfarer (of society at large. This distribution system is to ensure)
that (the whole wealth) may not circulate (only) amongst the rich of you (but should circulate amongst
all the classes of society). And whatever the Messenger (blessings and peace be upon him) gives you,
take that and whatever he forbids you, abstain (from that) and keep fearing Allah (i.e., never scoff at
the Messenger’s distribution and award). Surely, Allah is Severe to punish.

25. • 29:17
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29. And neither keep your hand tied to your neck (giving
nothing to anyone), nor stretch it wide open (giving away all)
lest you should sit back, blamed (and) consumed.

26. 7. Prohibition of Spending
Extravagantly
(Fazool Kharchi se Perhaiz)
• 31:7
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31. O Children of Adam! Dress up decently every time you offer
Prayer. And eat and drink, but do not spend extravagantly
because certainly He does not like the extravagant.

27. • 26:17
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26. And give to the kindred their rightful due, and also (give) to the needy and the
wayfarer, and do not exhaust (your wealth) by expending wastefully.

28. • 27:17
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27. Surely, the spendthrifts are the brothers of Satan, and Satan is most ungrateful to
his Lord.

29. Ait e daal Pasandi
• 67:25
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67. And (these) are the people who are neither extravagant nor miserly when they
spend. And their spending is (based on) a balance between the two extremes (of
extravagance and miserliness).

30. 8. Prohibition of
Usury
(Hurmat e Sood)
• 275:2
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275. Those who live on usury will not be able to stand (on the Day of Judgment), but like the one whom
Satan has made insane with his touch (i.e., damnation). This is because they used to say that trade (i.e.,
buying and selling) is similar to usury, whereas Allah has declared trade (i.e., buying and selling) lawful
and usury unlawful. So, if someone refrains (from usury) on receiving admonition from his Lord, then he
can keep whatever he took in the past and his case is with Allah. But those who continued with usury
(despite the admonition) would be the inmates of Hell. They will abide there permanently.

31. • 130:3
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130. O believers! Do not live on usury doubled and redoubled, and keep fearing Allah
so that you may prosper.

32. • 279:2
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276. Allah eliminates usury (i.e., deprives usurious profits of prosperous growth) and
multiplies alms gifts (i.e., increases blessings of clean wealth manifold through charity
donations). And Allah does not like anyone who is ungrateful and disobedient.

33. 9. Spending in the way of Allah and
Tolerance
(Infaq aur Afw o Dar Guzar)
• 134:3
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134. They are the ones who spend in the cause of Allah whether they are
affluent or indigent (in both the conditions), sublimate their anger and
tolerate (the faults of the) people; and Allah loves those who are benevolent.

34. 10. Seeking Sustenance
(Talash e Rizq)
• 17:29
o
17. You worship idols besides Allah and fabricate mere lies. Surely, those you
worship instead of Allah are not masters of your sustenance. So always seek
sustenance from Allah, and worship Him alone, and give thanks to Him. You
will be returned to Him alone.

35. • 11-9:62

36. o
9. O believers! When on Fridays the call is made for (Jumu‘a) Prayer, hasten towards
the remembrance of Allah (i.e., the Jumu‘a sermon and Prayer) immediately and
abandon purchase and sale (i.e., business). That is better for you if you have
knowledge.
o
10. Then after the Prayer is offered, disperse in the land and (then) look for Allah’s
bounty (i.e., sustenance). And remember Allah much so that you may attain to
prosperity.
o
11. And when they found some business or entertainment opportunity, they rushed
towards that (due to their neediness and financial constraint) and left you standing
(during the sermon). Say: ‘Whatever is with Allah is better than sport and business.
And Allah is the Best of sustainers.’

37. • 20:73

38. o
9. O believers! When on Fridays the call is made for (Jumu‘a) Prayer, hasten towards the
remembrance of Allah (i.e., the Jumu‘a sermon and Prayer) immediately and abandon
purchase and sale (i.e., business). That is better for you if you have knowledge.
o
10. Then after the Prayer is offered, disperse in the land and (then) look for Allah’s bounty
(i.e., sustenance). And remember Allah much so that you may attain to prosperity.
o
11. And when they found some business or entertainment opportunity, they rushed
towards that (due to their neediness and financial constraint) and left you standing (during
the sermon). Say: ‘Whatever is with Allah is better than sport and business. And Allah is the
Best of sustainers.’

39. 11. Rizq e Halal
• 88:5
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88. And eat of the pure and lawful things Allah has provided for you and always fear
Allah in Whom you believe.

40. • 168:2
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168. O mankind! Eat of that which is lawful and pure in the earth. And do not follow
in the footsteps of Satan. Verily, he is your declared enemy.

41. Haram ki Mamana’t
• 173:2
• 188:2
• 3:5
• 90:5

42. Kafalat e Yatama wa Masakeen
• 1-7:107

43. Mamanat e Halakat aur Infaq o Ihsan
• 195:2
• 245:2
• 92:3
• 10:97

44. Khauf e Rizq aur Qatal e Aulad ki
Mamanat
• 151:6
• 46:18

45. Mukhtalaf Tabaqat e Zindagi k mabain
Tafawat ka Khatma
• 2:5

46. Talash e Zara e Daulat o Sarwat ka
wajoob
• 14:16
• 66:17

47. Sahib e Istetaat per kasb e rizq ka
wajoob
• 12:17
• 10:62

48. Maal Bais e Qayam e Zindagi
• 5:4

49. Islami Muash air Islami Akhlaq ka
baham lazoom
• 92:3
• 36:2