Means of increasing your wealth


Wealth in Arabic terms known as "Al-ghina" and "Al-ghaniyu" meaning "self-sufficient" which is one of the attributes of Allah. He says:

To him belongs all that it is in heaven and on earth: for verily Allah, He is free of all wants, worthy of praises (Q22[Hajj]:64)

Another word that depicts the possession of material is known as "Maal" (Amwaal in it's plural form) which basically means property, assets or whatever mankind posses.

This also includes such intangible values as knowledge, experience, culture e.t.c. This focus of discuss is essentially material wealth. Material wealth Material wealth assumes different dimensions according to people and costums. In some cultures, a wealthy man is the one who possesses more cattles or farthest expanse of land. These days, however, wealth is increasingly how much of the cash money, shares, house and precious metal one possesses. Allah says:

"Allah as subjected to your (use) all things in the heaven and [all things] on earth" (Q31[Lukman]:20)

There are various endeavours available to making money, some are permissible while others are forbidden. As Muslims whose purpose of existence is to seek Allaahs pleasure, the choice is just one -halaal.From what will aid ones efforts in his quest to improve ones lot in the dunya (world) through what is halaal. Some of them are related to aqeedah, some to ibaadah, while some others are from the general acts of blessed deeds:

Related To Aqeedah

1. Adopting Taqwa And from the means of attaining extensive provision isto have eeman in Allaah and to fear Him, as He says:

"Whosoever fears Allaah and keeps his duty to Him, He will make a way for him to get out (from every difficulty).And He will provide him from (sources) he never could imagine. And whosoever puts his trust in Allah, then He will suffice him.Verily, Allaah will accomplish his purpose. Indeed Allah has set a measure for all things." (Q65[Talaq]:2-3) And He says; "And if the people of the towns had believed and had the Taqwa (piety), certainly, We should have opened for them blessings from the heaven and the earth, but they belied (the Messengers). So, We took them (with punishment) for what they used to earn (polytheism and crimes, ete)" (Q7[al-Araf]:96)

2. Tawakkul A major means of increasing wealth is reliance on Allaah. Allaah says I am as My servant thinks of Me."(Bukhari) When a believer thinks that Allaah is sufficient for him and relies on Him in providing opportunities and according his effort with success, then Allaah will be sufficient for him in that.

"Whosoever puts his trust in Allaah, then He will suffice him. Verily, Allaah will accomplish his purpose." (Q65[Talaq]:3)

The Messenger of Allaah (salallahu alayhi wa sallam) also mention tawakkul as a specific means of attaining extensive provision. He said; "If you truly relied upon Allaah,He would provide sustenance for you, as He provides sustenance for the birds. They go out in the morning with their stomachs empty, and return filled in the evening."(Tirmidhee)

3. Seeking Forgiveness Sins are impediments to accepting ones prayers and cogs in ones progress. Seeking forgiveness absolves one of those sins and a means of attaining Allaah's blessings. Prophet Nuh (alayhi salaam) confirmed this to his people;

"I said (to them): Ask forgiveness from your Lord; verily He is Oft Forgiving. He will send rain to you in abundance.And give you increase in wealth and children, and bestow on you gardens,and bestow on you rivers "(Q7I [Nuh]: I0- 13)

4. Supplication Allaah has enjoined us to ask Him for all our needs. No matter how numerous and big they might seem to us, Allaah's ability encompasses all our wishes and unless He does give it, we cannot get it. It does not in anyway jeopardize our taqwa to supplicate to Allaah for wealth. This is the way of the Prophets of Allaah (alayhimus-salaam). For instance, Prophet Issa (alayhi salaam) supplicated to Allaah thus:

"And provide us sustenance,for You are the Best of sustainers .. "(Q5[Maidah]: I 14)

and Prophet Muhammad (salallahu alayhi wa sallam) also used to pray: "O AIlaah! I ask of You beneficial knowledge, pure sustenance and acceptable deeds."(Ibn Majah) And Sulayman (alayhi salaam) supplicated;

"My Lord! Forgive me, and bestow upon me a kingdom such as shall not belong to any other after me: Verily, You are the Bestower." (Surah Sad [38}:35)

5. Seeking Refuge From Poverty Making duaa for a specific need will not be complete without seeking protection from its opposite. The opposite of wealth is poverty. A Muslim must constantly pray against poverty just as our Prophet(salallahu alayhi wa sallam) used to do. Infact, it was his command that we must constantly do this:

"Seek AIlaah's protection from poverty and being impoverished; from being unjust and from being dealt with, unjustly."(Saheeh Jaami)

Narrated AbuSaid al-Khudri (RA):"One day the Messenger of Allaah (salallahu alayhi wa sallam) entered the mosque. He saw there a man from the Ansar called Abu Umamah(RA). He said:

"What is the matter that I am seeing you sitting in the mosque when it is not time of prayer?"

He said: "I am entangled in cares and debts, Messenger of Allaah." He replied:

"Shall I not teach you words by which, when you say them,AI/laah will remove your care, and settle your debt?" He said: "Why not, Messenger of Allaah?" He said:

"Say in the morning and evening: "O AIlaah,I seek refuge in You from care andgrief, I seek refuge in You from incapacity and slackness, I seek refuge in You from cowardice and niggardliness. and I seek refuge in You from being overcome by debt and being put in subjection by men."

He said:

"When I did that Allaah removed my care and settled my debt." (Abu Dawud)

6. Constant Worship: Abu Hurayrah (alayhi salaam) stated that the Prophet (salallahu alayhi wa sallam) said, Allaah says, O son of Adam! Take time out to constantly worship Me, I will fill your chest with richness, and remove your poverty. And if you do not do so, I will make your hands filled with occupation,and will not remove your poverty"(Tirmidhee) Poverty occurs in two ways: through lack of physical cash or when plenty of cash is afflicted with burdensome responsibilities.When Allaah removes both states from a person, then he is truly blessed.

7. Being Grateful To Allaah Wealth is a blessing from Allaah.One whom Allaah has granted wealth in whatever magnitude should be grateful for it. Incidentally,his gratitude also doubles as a means of increasing the wealth. Allaah says;

"And (remember) when your Lord proclaimed: If you give thanks (by accepting Faith and worshipping none but AIIaah).I will give you (more of my blessings) so if you are thankless (i.e disbelievers) my punishment is indeed severe (Q I4 [Ibrahim]: 7)

8. Keeping Away From Sins Ibn Umar (RA) narrated that the Messenger of Allaah (salallahu alayhi wa sallam) said:

"O Muhajirun (those who migrated from Makkah to Madinah), beware of five traits: If ever immorality spreads in a community and there is no sense of shame on its occurrence or mentioning it and people talk about it as if nothing bad has taken place, diseases, which were not present in the time of their forefathers and earlier generations will spread among them. If they decrease the measure and weight of sold grains or food, they will be overcome by poverty, their provisions will decrease and their ruler will be unjust. If they refrain from paying zakaah due on their properties,they will be deprived of rain, unless they get it only for the sake of their cattle If they renounce their commitment to Allaah and His Messenger, they will be governed by an enemy who is a stranger to them and who will take away some of what they possess. If their rulers do not rule according to Allaahs Book, they will be afflicted by civil war. Allaah forbid that these should happen to you." (Ibn Majah)

9. Making the Hereafter Ones Main Concern From the means of increasing ones sustenance is making the Hereafter ones main concern. Incidentally,most people do the opposite. The Prophet (salallahu alayhi wa sallam) said:

"Whoever puts this world as his only (and primary) goal, then Allaah will divide his affairs for him, and He will place poverty right before his very eyes, and nothing will come to him of this world except that which was already written (i.e., pre-destined) for him. But whoever made the Hereafter his goal, then Allaah will gather his affairs for him, and He will place richness in his heart, and the world will come to him conquered and submissive" (Ibn Majah).

Related To Ibaadah

10. Prayer (salaat) For many Muslims, their quests for increase income often preoccupy them from offering salaat. Incidentally, the prayer is a means for attaining sustenance (rizq), as Allaah says:

"And command your family with prayer and be patient in offering them. We are not asking you to provide Us with sustenance (rizq).(Rather), We will provide for you and the good end is for those who have Taqwaa." (Q20[TaHa]: 132)

So the prayer, which some people claim takes time away from them seeking after the rizq (sustenance) and from buying and selling, is in fact an avenue to increase provision,comfort and blessing. This is because the sustenance (rizq) is in the Hands of Allaah. So if you were to turn your attention towards remembering Him and worshipping Him, He would facilitate and open the door of sustenance for you.

"And Allaah is the best of Providers." (Q62[Jumuah]: 11)

11. Performing Hajj & Umra When a Muslim performs hajj andfollows it with umrah, it is a means of increasing wealth. The Prophet (salallahu alayhi wa sallam) said;

"Try to follow the Hajj by Umrah, as these will banish both poverty (faqr) and sins, like the bellows clear the iron from slags" (Tirmidhee)

Absence of poverty is itself wealth. Hajj and Umrah offer both spiritual and physical opportunities of improving ones earnings. The best wealth is one that is gained through obedience to Allaah. There are three aspects of a Muslims commitment to the deen Good intention, physical exertion and financial contribution. Out of all the five pillars of Islam, hajj (and Umrah) is the only Pillar that involves all of the three aspects of a Muslims commitment. Salaat involves two (intention and physical exertion).Zakaat also involves two (intention and financial contribution). Thus, it is understandable why it is a spiritual aid to increasing ones earnings. Other than presenting spiritual aid,hajj and umrah also provide good opportunities of doing business. Allaah says:

"There is no sin on you if you seek the Bounty of your Lord (during pilgdmage by trading, etc.)."(Q2 [Baqarah]:198)

12. Giving Charity From the means of increasing wealth that is well known is investing in viable permissible stocks that offer prospect of an optimum ROI (Return On Investment). What investments such as this offer is prospect.However, there is an investment whose ROI is optimally guaranteed. Allaah says:

"The likeness of those who spend their wealth in the Way of Allaah, is as the likeness of a grain (of corn); it grows seven ears, and each ear has a hundred grains. Allaah gives manifold increase to whom He pleases. And Allaah is All-Sufficient for His creatures needs, All-Knower."(Q2 [Baqarah]:264) 

Allaah also says;

"And whatsoever you spend of anything (in Allaahs Cause), He will replace it. And He is the Best of providers."(Surah Saba[34]: 39)

The Prophet (salallahu alayhi wa sallam) reporting from His Lord said, "Spend (from your wealth), O son of Adam, and I shall spend on you." (Muslim)

He also said: "Every day two angels come down from Heaven and one of them says, O AIlaah! Compensate every person who spends in Your cause,and the other (angel) says, O AIlaah! Destroy every miser."(Bukhaaree)

13. Supporting The Islamic Students Of Knowledge Anas ibn Malik (RA) reported: "There were two brothers (that lived) at the time of the Prophet (salallahu alayhi wa sallam). One of them would come to the Prophet (salallahu alayhi wa sallam), whereas the other one would seek his sustenance(by working). So the one who used to seek his sustenance complained to the Prophet(salallahu alayhi wa sallam) about his brother. The Prophet (salallahu alayhi wa sallam) replied, It is possible that you are provided your rizq because of him! (Tirmidhee)

14. Kindness To The Poor The responsibilities Allaah has placed on man are two pronged his responsibilities towards his Creator and his responsibilities towards fellow creatures. A good Muslim is he who is good in both. Allaah is appreciative of His slaves efforts and rewards them. Sometimes this rewards come in additional provisions. Part of mans responsibilities is being good to the poor and it is a means of attaining additional blessingsfrom Allaah. The Prophet (salallahu alayhi wa sallam) said, "The only reason that you are provided sustenance and aided in victory is because of your weak"(Ahmad)

15. Emigrating Allaah says:

"He who emigrates (from his home) in the cause of Allaah, will find on the earth many dwelling places and plenty (to live by).And whosoever leaves his home as an emigrant unto Allaah and His Messenger, and death overtakes him, then his reward is surely incumbent upon Allaah. And Allaah is ever Oft-Forgiving, Most Merciful"(Q4[Nisaa]: I 00)

A Muhaajir (one who emigrates)s expanded provision is a fulfillment of the promise of Allaah He emigrates in the cause of Allaah and He in turn compensate him through extended provision in fulfillment of His promise:

"O you who believe! If you help (in the cause of) Allaah, He will help you, and make your foothold firm." (Q47[Muhammad]: 7)

Relaled To Deeds Of Blessing

16. Joining the ties of kinship Similarly, from the means of attaining extensive provision is to maintain the ties of the kinship as the Prophet (salallahu alayhi wa sallam) said: "He who is desirous that their means of sustenance should be expanded, and that their agesmay be lengthened, then he should join the ties of kinship (his mothers womb)."(Bukhaaree) After the ties of faith, no other tie hasmore importance in Islaamthan the ties of kinship. When a Muslim makes conscious effort to cultivate his ties of relationship his wealth is increased in two ways. He attains increase in quantity aswell as in the quality (the blessing) of what Allaah hasbestowed.

17. Marriage Allaah says:

 "And marry those among you who are single (male and female) and (also marry) the pious of your(male) slaves and maid servants (female slaves). If they are poor,Allaah will enrich them out of His Bounty. And Allaah issufficient for His creatures needs, All-Knowing" (Q24[Nur]:32).

The Prophet(salallahu alayhi wa sallam) also said:

"Three people have a right upon AIlaah that they should be helped: the one who desires to get married, seeking chastity; the slave that desires to be freed (by paying his master a preagreed amount of money); and the fighter in the way of AIlaah" (Tirmidhee)

Marriage is a means of attaining additional sustenance from Allaah.The Prophet (salallahu alayhi wa sallam) practically demonstrated this by marrying people even when they were poor. He married a lady to a man whose sole material possession was a loin cloth. The Prophet (salallahu alayhi wa sallam)them. He said to the man: "Go, I have married this lady to you for the amount of the Quran you know by heart."(Bukhaaree) The Companions were also fully aware of marriage as a means of improved rizq (provision) and would always encourage others to get married.

Abubakr as-Siddiq (RA) said, "Obey Allaah in what He has commanded you to do by getting married: He will then fulfil His Promise to you to make you rich." He then recited the above ayah (Q24[Nur]:32). And Umar ibn al-Khattab (RA) said, "Seek richness through marriage!" Likewise,Abdullah ibn Masud (RA) said, "Find richness by getting married. "And it has been narrated that Umar ibn al-Khattab (RA) once remarked,"I have never seen anything stranger than a man who does not seek richness through marriage, even though Allaah has promised as a result of it (i.e. marriage) what He has promised: ... if they are poor,then Allaah willenrich them out of His Bounty!" (al-Durr al-Manthur, v. 5,pps. 80-81.)

18. Legitimate Work Rel iance on Allaah is not synonymous with laziness and lethargy. Even from the hadeeth of the bird above, the birds still make the effort to go out in the morning in search of sustenance. Thus, part of the means of improving ones financial base is to engage in permissible beneficial work.Rasulullah (salallahu alayhi wa sallam) said: "The noblest food ate by one is that from his (lawful) labour."(Bukhari)

 Anas (RA) narrating a lengthy hadith says that a man from among the Ansaar came to Rasulullah (salallahu alayhi .wa sallam) and requested something. Rasulullah (salallahu alayhi wa sallam) sent s~meone to bring a mug and a mat from one house. These items Rasulullah (salallahu alayhi wa sallam)auctioned among the Companions.With the money obtained for the items Rasulullah (salallahu alayhi wa sallam) bought some food and an axe. Giving these to the Ansaari,Rasulullah (salallahu alayhi wa sallam) said: "Go (to the forest), cut wood and see it. This is better for you than begging which will be a blot of disgrace on your face (on the Day of Qiyaamah)." (Abu Dawood)

The work that is considered a means of increase is that which is halaal. Haraam sources do not accord any form of increase except in sins and Allaahs anger. Whatever one gains in multiplication in physical cash and assets through haraam sources; such is lost in deprivation of blessings.

19. Honesty In Dealings Business transactions carried out with the fear of Allaah and honesty holds a praiseworthy position in Islam. Infact, it accords one the company of the prophets (alayhimu salaam). The Prophet (salallahu alayhi wa sallam) said:

"The honest and trustworthy businessman will be with the prophets, martyrs and righteous people." (Muslim)

Aside from this benefit, honesty in business deals is a cause of bringing blessing to the business and when a transaction is blessed, the profit is also affected. The Prophet (salallahu alayhi was sallam) said,

"The two parties of a transaction have the right (to annul the contract) as long as they do ot separate (from each other). So, if they were truthful (to one another), and honest in explaining (the defects of an item), then they willbe blessed in their transaction. But if they lied, and hide (the defects of an item) then the blessings of their transaction are destroyed!" (Muslim)

20. Excellence in Striving When a Muslim has a permissible source of income, he should continuously seek means of improving it through additional knowledge and expertise. This is usually achieved through training and retraining. The Prophet (salallahu alayhi wa sallam) said:

"Verily, Allaah has prescribed excellence in all things. Thus, if you kill, kill in a good manner. If you slaughter, slaughter in a good manner.Each of you should sharpen his blade and spare suffering to the animal he is slaughtering." (Muslim)

The foregoing are from a number of causes that can be adopted by the one who is searching to be wealthy and prosperous. And Allaah is the Giver of success, and the One Who guides to the correct path.


This article was culled from the publications of Deen Communication Limited

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