, despite its contradiction of the textual evidence. The first view comes next, because Ibn Hazm, who held it, claimed that the hadith under discussion had been abrogated by the hadiths prohibiting two sales in a single sale. This claim is untenable, since it runs contrary to established principles: abrogation is not to be resorted to unless reconciliation is impossible, whereas reconciliation is easily possible here.

Consider, for example, the hadith of Ibn Masʿūd. You will find it in agreement with these hadiths, but it adds an explanation of the reason for the prohibition: namely, ribā. The hadith under discussion shares this point, but further states explicitly that the sale is valid if he takes the lower of the two prices. The hadith of Ibn Masʿūd also indicates this, though by way of inference, as explained above.

This is what has occurred to me regarding how these hadiths may be reconciled and understood in jurisprudential terms, and it is the view I have chosen from among the scholars’ opinions concerning them. If I am correct, it is from Allah; and if I am mistaken, it is from myself. I ask Allah to forgive me for it and for every sin of mine.

Know, my Muslim brother, that this transaction which has become widespread among merchants today—selling by installments and charging an increase in return for deferred payment, with the increase growing whenever the term is extended—is unlawful for another reason as well: it conflicts with the spirit of Islam, which is founded upon making matters easy for people, showing them compassion, and relieving their hardship. The Prophet, peace and blessings be upon him, said: “May Allah have mercy on a servant who is accommodating when he sells, accommodating when he buys, and accommodating when he seeks repayment.” Al-Bukhārī narrated it.

He also said: “Whoever is gentle, mild, and approachable, Allah has forbidden him to the Fire.” Al-Ḥākim and others narrated it; its documentation has already been given under no. (938).

If one of them feared Allah Most High and sold on credit or by installments at the cash price, it would be more profitable for him even materially, because this would lead people to patronize him and buy from him, and Allah would bless his provision—in confirmation of His saying: “Whoever fears Allah, He will make for him a way out and provide for him from