for disagreement in these subsidiary matters existed in the days of the Companions, the Successors, and the rightly guided imams, yet it never generated enmity or hatred among them.
Fourth: They must invite people to Allah with wisdom and fine admonition, and argue in the best and most excellent manner. They should neither withdraw from the community nor from those who differ with them on certain issues; rather, they should remain loyal to them and work to narrow the gulf between their views.
Fifth: They should warn the advocates of principles and ideas hostile to Islam of the Day when hearts and eyes will be transfixed, reminding them of the noble verse: “So that they will bear their burdens in full on the Day of Resurrection, together with some of the burdens of those whom they mislead without knowledge. Evil indeed is what they accumulate!” (al-Naḥl 16:25).
Let such people beware of the consequences of their misleading calls and fabricated slanders, for the threat is true and the appointed time is near: “They will surely carry their own loads and other loads along with their own; and on the Day of Resurrection they will surely be questioned about what they used to assert falsely” (al-ʿAnkabūt 29:13).
The ʿīnah transaction:
Its form is as follows: a man sells an item, say, for one thousand riyals on deferred payment, then the seller buys that very item back from the purchaser for a smaller amount in cash, leaving the larger sum as a debt upon the buyer. In reality, this is neither a true sale nor a genuine purchase; it is an interest-bearing loan disguised as a sale, one of the blatant legal ruses employed by usurers.
Ibn al-Qayyim said: This corresponds to what has been reported from the Prophet ﷺ: “A time will come upon people when they will regard interest as permissible by means of trade.” He also said: The Prophet’s prohibition of “two sales in a single sale” refers to two conditions in the same transaction; so if one sells a commodity for one hundred on deferred payment, then buys it back from him for eighty in cash, he has sold