Divine guidance on wealth
By Haider Zaman
THE Quran provides guidance to human beings in respect of every aspect of life. With regard to the economic aspect, it says “And do not covet what Allah has given some of you more than others: the men shall have their due share according to what they have earned and the women shall have their share according to what they have earned. So pray to Allah for His Bounty: most surely Allah has perfect knowledge of everything” (4:32).
The word “earned” in the verse has reference to what one can earn and get in this world like material wealth and substance and not the reward in the Hereafter as some people think. This is also evident from the word “covet” occurring in the verse because it is the intense desire for material wealth or substance, specially that which belongs to others, that is condemned and prohibited and not the desire for reward in the Hereafter.
The Quran enjoins the believers not to eagerly desire whatever material wealth or substance Allah has given to others even if it is more than what they have got. The words “what Allah has given” in the verse have reference to what one has earned or acquired in the rightful way like the money earned as compensation for one’s efforts or labour or through an honest business transaction or through legal inheritance etc. It means that the Quran recognises and protects one’s right to private property, without any limit, if earned, possessed and used in the rightful manner.
The verse treats the men and women at par with each other in matter of material earnings. The women have the same right to strive for and earn material wealth or substance as men in the rightful manner. And if they have the same right as men to strive for earning material wealth or substance, they should naturally have the same right to acquire the requisite skills and capabilities for the purpose, within the limits of decency and modesty set by the Quran and Sunnah, and the same or similar opportunities to make use thereof.
The Quran, while recognising one’s right to own material wealth and property, at the same time takes care that the wealth is not accumulated in a few hands. For that purpose the Quran has devised two ways. One is the process of inheritance through which the wealth and property of a deceased Muslim, male or female, is divided among his or her heirs according to the prescribed shares. The other is the process of charity which can also be in two ways. One is through the payment of zakat and ushr at the prescribed rates which is obligatory if the things held, on which zakat or usher is payable, exceed the prescribed limits in quantity or value.
The other is spending in the way of Allah which, though not obligatory, has yet been repeatedly emphasised by the Quran and Sunnah. The Quran has also specified the persons and purposes on whom or on which the amount of zakat and ushr and that paid otherwise than as zakat and ushr has to be spent.
The Quran rather says that in the wealth of every believer there is a due share of him who asks and of him who is needy (51:19). The wealth will never accumulate in a few hands if the Quranic directives in regard to inheritance and spending in the way of Allah are strictly adhered to. About the hoarding of wealth and not spending it in the way of Allah, the Quran says “and for those who hoard up gold and silver and do not spend it in the way of Allah, announce for them a painful chastisement” (9:34).
Another aspect which the verse (4:32) specifically highlights is that instead of coveting what belongs to others one should rely on his own efforts to earn more in the rightful way. People, instead of earning through their own efforts, start grabbing what belongs to others which can have manifold unpleasant outcomes. A person tends to become lethargic if he can easily grab what belongs to others. It may also encourage many other ills and crimes in society such as thefts, robberies and misappropriations. That is why the Quran enjoins the believers that instead of eagerly desiring what belongs to others, they should earn through their own efforts what they desire.
Another aspect which the verse (4:32) emphasises is that everyone, whether a man or woman, shall get according to his or her contribution. From the words “according to what they have earned” in the verse it is crystal clear that what one should get should be in proportion to his or her contribution. This principle has a two-fold objective. One is that a person shall be compensated in accordance with the scale of his contribution which indeed could be the most appropriate and fair way of compensating a person for his contribution or effort in consonance with the spirit of another Quranic verse which says “is there any reward for good other than good” (55:60).
The other factor is that no one should be under the impression that he will get what he wants just by sitting idle. This principle has been spelled out by another Quranic verse which says “and there is nothing for man but what he has striven for” (53:39). The Quran also says “We have created man in toil” (90:4) which means that man has to undergo hard labour to earn his livelihood.
Thus, when the verse (4:32) says “pray to Allah for His Bounty”, it does not mean that one will get what he wants without any effort. He has to make due effort to get it. He should of course pray to Allah for fortitude, right direction, granting him right opportunity and the ability to endure all adverse conditions that he may encounter and for success in achieving the desired objective. The Quran repeatedly exhorts the believers to seek the Bounty of Allah (17:66) (28:73) (35:12) which means that the Bounty of Allah has to be sought.
In fact, what should be prayed for should be the ability to seek and what should be sought in the right way should be the material gain or advantage which one will get in abundance if earnestly striven for. Seeking does involve making of efforts, physical or mental. At the same time the Quran condemns extravagance in spending (17:26) and prohibits the believers from eating up their properties in vanity (2:188).
In regard to the economic progress, the Quran provides excellent guidance when it says “Lo! Allah does not change the condition of a people until they change (first) that which is in their soul” (13:11). The verse in terms refers to change in the socio-economic condition of the people which according to it follows a set rule. There is first change in the soul of the people concerned i.e. a change in their thinking, perceptions, levels of awareness, visions, outlooks, behaviours, habits and priorities appropriate to the change they want to bring.

