Sharh Riyad as-Saliheen by Ibn Uthaymeen — Volume 2 (شرح رياض الصالحين) — Page 663

Line-by-line translation · المعاني

بَابُ الْإِيثَارِ وَالْمُوَاسَاةِ.

Chapter on Altruism and Mutual Support.

ثُمَّ هَاهُنَا مَسْأَلَةٌ يَسْأَلُ عَنْهَا الْكَثِيرُ مِنَ النَّاسِ، وَهِيَ أَنَّهُ يَجْتَمِعُ أُنَاسٌ مِنَ الْمُوَظَّفِينَ مَثَلًا، وَيَقُولُونَ: سَنَحْصِمُ مِنْ كُلِّ رَاتِبٍ مِنْ رَوَاتِبِ هَؤُلَاءِ النَّفَرِ أَلْفَ رِيَالٍ عَلَى كُلِّ وَاحِدٍ، أَوْ عَشَرَةً فِي الْمِئَةِ مِنْ رَاتِبِهِ، يَعْنِي إِمَّا بِالنِّسْبَةِ أَوْ بِالتَّعْيِينِ، وَنُعْطِيهَا وَاحِدًا مِنَّا، وَفِي الشَّهْرِ الثَّانِي نُعْطِيهَا الثَّانِيَ، وَفِي الشَّهْرِ الثَّالِثِ نُعْطِيهَا الثَّالِثَ، وَفِي الشَّهْرِ الرَّابِعِ نُعْطِيهَا الرَّابِعَ، حَتَّى تَدُورَ عَلَيْهِمْ ثُمَّ تَرْجِعُ لِلْأَوَّلِ الْمَرَّةَ الثَّانِيَةَ، فَبَعْضُ النَّاسِ يَسْأَلُ عَنْهَا.

Many people ask about a common situation where a group of employees decide to pool their resources. They might agree to deduct a fixed amount, say one thousand riyals, or a set percentage from each person's salary every month. This total is given to one member, then to the next the following month, and so on, rotating through the group until everyone has received a turn, at which point the cycle begins again. This practice often prompts questions.

وَالْجَوَابُ عَلَى هَذَا أَنْ نَقُولَ: إِنَّ هَذَا صَحِيحٌ وَلَا بَأْسَ بِهِ، وَلَيْسَ فِيهِ حَرَجٌ، وَمَنْ تَوَهَّمَ أَنَّهُ مِنْ بَابِ الْقَرْضِ الَّذِي جَرَّ نَفْعًا فَقَدْ وَهِمَ؛ لِأَنِّي إِذَا سَلَّفْتُ أَنَا هَؤُلَاءِ الْإِخْوَانَ الَّذِينَ مَعِي شَيْئًا فَأَنَا لَا آخُذُ أَكْثَرَ مِمَّا أَعْطَيْتُ، وَكَوْنُهُمْ يَقُولُونَ سَوْفَ يَرْجِعُ إِلَيْهِ مَالٌ كَثِيرٌ نَقُولُ: نَعَمْ، وَلَكِنْ لَمْ يَرْجِعْ إِلَيْهِ أَكْثَرَ كَمَا أَعْطَى، فَغَايَةً مَا فِيهِ أَنَّهُ سَلَفٌ بِشَرْطِ أَنْ يُوَفِّيَ وَلَيْسَ فِي هَذَا شَيْءٌ.

The answer is that this is perfectly permissible and carries no harm. Anyone who mistakenly labels this as a loan that generates profit is incorrect. When I contribute to my colleagues, I do not receive back more than what I put in. While some argue that a large sum returns to the individual, the reality is that they receive exactly what they contributed over time. It is simply a loan with a condition of repayment, which is entirely acceptable.

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Vocabulary · المفردات (23 verbs · 49 nouns)

• سَأَلَ — to ask
• اِجْتَمَعَ — to gather
• قَالَ — to say
• بَابٌ — chapter
• إِيثَارٌ — altruism
• مُوَاسَاةٌ — consolation