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DAARU NURIL ISLAM FORUM, Osogbo (2026)

02/10/2026

🕌 JUMU‘AH KHUTBAH 🕌

TOPIC: PARENTING WITH WISDOM, HIJAB WITH KNOWLEDGE, AND FAMILY MODESTY IN ISLAM

DATE: Friday, 20th R.Thani 1448AH || 02nd September 2026CE

FIRST KHUTBAH

All praise is due to Allah. We praise Him, we seek His help, and we seek His forgiveness. We seek refuge in Allah from the evil of our souls and from our bad deeds. Whoever Allah guides, none can misguide, and whoever He leaves astray, none can guide.

I bear witness that there is no god worthy of worship except Allah alone, and I bear witness that Muhammad is His servant and Messenger.

O brothers and sisters, fear Allah as He should be feared, and do not die except as Muslims.

Dear brothers and sisters,

Today’s khutbah is based on an important question asked by one of our group members:

Is it right for a father to force all his daughters to cover their faces, and say anyone who refuses is no longer his child?
And is it correct for a wife and her sister-in-law to sleep in one room when there is another room available?

These are real family matters, and Islam gives guidance with balance, wisdom, and mercy.

PART ONE: *👉MODESTY IS OBLIGATORY, BUT FORCING WITHOUT KNOWLEDGE IS WRONG*

Allah commanded modesty for believing women:
﴿ وَقُل لِّلْمُؤْمِنَاتِ يَغْضُضْنَ مِنْ أَبْصَارِهِنَّ وَيَحْفَظْنَ فُرُوجَهُنَّ وَلَا يُبْدِينَ زِينَتَهُنَّ إِلَّا مَا ظَهَرَ مِنْهَا وَلْيَضْرِبْنَ بِخُمُرِهِنَّ عَلَىٰ جُيُوبِهِنَّ ﴾
And tell the believing women to lower their gaze and guard their private parts and not display their beauty except what is apparent, and to draw their head coverings over their chests.
Surah an-Nur 24:31

So hijab is a command from Allah.

But brothers and sisters,

The niqab (face covering) is a matter where scholars differed:

Some scholars like Imam Ahmad and Imam Ibn Taymiyyah held it is obligatory.
Others like Imam Abu Hanifah, Imam Malik, and Imam al-Shafi'i held it is recommended, not mandatory.

So a father may encourage it strongly, but he cannot declare his daughter “not his child” for not wearing it.

That is ظلم (oppression).

Islam does not teach cutting family ties over such issues.

Allah says:
﴿ وَإِن جَاهَدَاكَ عَلَىٰ أَن تُشْرِكَ بِي مَا لَيْسَ لَكَ بِهِ عِلْمٌ فَلَا تُطِعْهُمَا وَصَاحِبْهُمَا فِي الدُّنْيَا مَعْرُوفًا ﴾
If they strive to make you associate with Me what you have no knowledge of, do not obey them, but accompany them in this world with kindness.
Surah Luqman 31:15

Even with shirk, Allah still commands good companionship.

So how can a father disown his child over niqab?

👉KNOWLEDGE FIRST, NOT FORCE

*My special wise reminder to all parents:*

👉If a father is ready to guide his daughters, protect them, and even help find righteous husbands when the time comes, then he is doing something good.

■ But it must be with teaching, wisdom, and explanation.
■ Not threats.
■ Not harshness.
■ Not forcing.

The Prophet ﷺ said:
“Make things easy and do not make things difficult. Give glad tidings and do not drive people away.”
Sahih al-Bukhari 69
Sahih Muslim 1732

A husband also must not force his wife with threats like:
“If you don’t wear niqab, I will divorce you!”

Allahu Akbar.

This is action without knowledge.

True guidance is:
● Knowledge first
● Mercy first
● Patience first

Because if a woman wears niqab only because she was forced, she may remove it once the pressure is gone.

But if she wears it for Allah with understanding, it becomes worship.

PART TWO: 👉MODESTY INSIDE THE HOME

Now the second question:
Is it correct for a wife and sister-in-law to live in one room when another room is available?

👉Brothers and sisters,
Islam teaches privacy and boundaries.

The Prophet ﷺ warned strongly about free mixing inside families.

He said:
“Beware of entering upon women.”

A man asked: “O Messenger of Allah, what about the brother-in-law?”

He replied:
“The brother-in-law is death.”
Sahih al-Bukhari 5232
Sahih Muslim 2172

Meaning: Fitnah is very dangerous with close relatives because people become careless.

So if there is another room available, it is better and safer for each woman to have privacy.

Islam is a religion of protection, not suspicion.

PART THREE: *👉SHA‘BAN IS HERE, RAMADAN IS CLOSE*

Dear brothers and sisters,
● We are in the month of Sha‘ban.
● Ramadan is very close.

This is the month to prepare:
Prepare your heart with repentance
Prepare your home with peace
Prepare your wealth with charity
Prepare your nights with prayer

The Prophet ﷺ used to fast a lot in Sha‘ban.

Narrated Aisha (RA):

“The Prophet ﷺ never fasted in any month more than Sha‘ban.”
Sahih al-Bukhari 1970

So let us prepare for Ramadan with sincerity.

👉Second Khutbah

All praise is due to Allah.
Send peace and blessings upon the Prophet ﷺ.

O Allah send blessings upon Muhammad and upon the family of Muhammad.

🤲DUA: O Allah, guide our parents to raise their children with wisdom and mercy.
O Allah, guide our daughters and sons to modesty with understanding, not force.
O Allah, protect our homes from fitnah and immorality.
O Allah, allow us to reach Ramadan and benefit from its blessings.
O Allah, feed the poor through us and make us people of charity.

🤲 O Allah, help our brothers and sisters in Gaza.
O Allah, grant safety, relief, and victory to the oppressed in Gaza.
O Allah, bless Ghana, Nigeria, and all Muslim countries with peace, righteousness, and strong Muslim families.
O Allah, bless Ghana and Nigeria with unity, guidance, and protection from trials.

🤲 Rabbana atina fid-dunya hasanah wa fil-akhirati hasanah wa qina ‘adhaban-nar.

✅👉 FINAL WORDS

The Messenger of Allah ﷺ said:
"If Allah guides one person through you, it is better for you than the best of worldly treasures."
📚 Sahih al-Bukhari, Hadith 4210
📚 Sahih Muslim, Hadith 2406

The Messenger of Allah ﷺ also said:
"If anyone calls others to right guidance, his reward will be equal to those who follow him."
📚 Sahih Muslim, Hadith 2674
📖 Riyad as-Salihin, Hadith 174

Subhanaka Allahumma wa bihamdika, ash-hadu an la ilaha illa Anta, astaghfiruka wa atubu ilaika.

Imam
Mallam Nurudeen Babatunde Balogun

02/10/2026

A DUA FOR NIGERIA 🇳🇬

Ya Allah, Ya Rahman, Ya Raheem!

We lift our hands to You for our dear country, Nigeria.

Ya Allah, bless Nigeria and its people.
Ya Allah, bring peace where there is unrest, bring unity where there is division, and bring justice where there is oppression.

Ya Allah, forgive us for our sins that have brought hardship upon our land.
Ya Allah, guide our leaders aright, give them wisdom, sincerity, and fear of You to lead this nation with justice.

Ya Allah, protect our soldiers, our farmers, our students, and every innocent soul. Shield our land from banditry, kidnapping, terrorism, corruption and bloodshed.

Ya Allah, bless the economy of Nigeria, open doors of rizq, employment and prosperity for the youth.

Ya Allah, make Nigeria a land of peace, a land of Islam, a land where Your word is upheld.

Ya Allah, do not let us be among those who lose hope, for You are the Best of Planners.

Ameen Ya Rabbal Alameen.

Long live the Federal Republic of Nigeria! 🇳🇬

Mallam Nurudeen Babatunde Balogun

29/09/2026

Du'ā for a stubborn child

Assalamu Alaikum, when you have a stubborn child who does a lot of tantrum. Do not beat him always, do not insult or curse. When we beat children they become rigid and hard to control. When we abuse, insult or curse, we are destroying them with our bad mouth. And eventually, they increase in their affairs. I had a stubborn child, I used everything on him but didnt change, so I a sister advice me with the following tips.

1- When your child is asleep, place your hand on their head and recite the following:

Bismillaahir Rahmaanir Raheem [Quran 112]
Qul a'uzoo bi rabbil-falaq
Min sharri ma khalaq
Wa min sharri ghasiqin iza waqab
Wa min sharrin-naffaa-saati fil 'uqad
Wa min shar ri haasidin iza hasad

Bismillaahir Rahmaanir Raheem [Quran 113]
Qul a'uzoo bi rabbil-falaq
Min sharri ma khalaq
Wa min sharri ghasiqin iza waqab
Wa min sharrin-naffaa-saati fil 'uqad
Wa min shar ri haasidin iza hasad

Bismillaahir Rahmaanir Raheem [Quran 114]
Qul a'uzu birabbin naas
Malikin naas
Ilaahin naas
Min sharril was waasil khannaas
Al lazee yuwas wisu fee sudoorin naas
Minal jinnati wan naas

Then

Ya ayyuha allatheena amanooisbiroo wasabiroo warabitoo wattaqooAllaha laAAallakum tuflihoon [Al-Imran 200]

Then
..waaslih lee fee thurriyyatee innee tubtu ilayka wainnee mina almuslimeena [Quran 46:15]

Then

Bismillahillazi La Yadurru Maas Mihi Shai Un Fil Ardi Wala Fis Sama' Wa Hu Was Sami Ul Alim

Then

A'uzubika limatillah hittammati min sharri ma khalaq

Note: Recite them all at once, blow the air on your hand, and rub it on the head of your child. Then stay patient.

2- Whenever you offer Salah, at the end of every salah after you finished your Zikr, you recite the following Dua from the Qur'an.

Bismillah Ar rahman Ar rahim
Rabbana hab lana min azwajina wa dzurriyyatina qurrata a’yunin waj-’alna lil-muttaqîna imama. [Furqan 25:74]

Additional Information

My Aunt when I shared this information with her, she was so smart that she bought Zam Zam water, recited all the above Duas in the water, blow the air into it and fed her child every day after Fajr Prayer. Within no time, the boy became very calm and smart. So since then, I adopt her method. I prefer to use Zam Zam, because Rasulullah says whosoever Drink Zam Zam with any intention, it will cure him for that Intention. So Zam Zam has in it a cure.

Mallam Nurudeen Babatunde Balogun

29/09/2026

ISLAMIC COOPERATIVE SOCIETY: A HALAL MODEL FOR COLLECTIVE PROSPERITY

In a world dominated by interest-based financial systems, the Islamic Cooperative Society offers a divinely guided alternative. It is an economic institution founded on the Islamic principles of Ta'awun (mutual cooperation), Ukhuwwah (brotherhood), and Adl (justice).

The concept is derived from the command of Allah (SWT):

“And cooperate in righteousness and piety...” (Qur’an 5:2)

An Islamic Cooperative is a voluntary association of Muslims who come together to pool their resources, save together, invest together, and help one another — without Riba (interest), Gharar (excessive uncertainty) or Haram investments.

How It Differs From Conventional Cooperatives:
Conventional Cooperative Islamic Cooperative
Charges interest on loans Strictly interest-free, profit is shared from halal business
Invests in any profitable venture Invests only in Shari’ah-compliant, halal businesses
Profit is interest Profit is from trade, rent, and partnership (Murabaha, Musharakah, Ijarah)
Debtor-creditor relationship Partnership and brotherhood relationship
The Shari’ah Tools We Use:
1. Mudarabah: Members provide capital, the Society manages the investment, profit is shared.
2. Musharakah: Joint partnership in business where profit and loss are shared.
3. Murabaha: The Society buys an asset requested by a member and sells it to him at a known profit margin payable in installments.
4. Qardul Hassan: Benevolent, interest-free loan to members facing hardship.
5. Ijarah: Halal leasing of assets.

DAARU NURIL ISLAM COOPERATIVE INVESTMENT & CREDIT SOCIETY LIMITED

The Meaning of Our Name:
DAARU NURIL ISLAM means “The House of the Light of Islam.” We were established to be a house of financial refuge for Muslims who desire to earn, save, and invest strictly within the boundaries of Halal.

Daaru Nuril Islam Cooperative Investment & Credit Society Limited is a duly registered Cooperative Society in Nigeria, with its operations fully guided by Islamic commercial jurisprudence.

OUR VISION
To become the most trusted and leading Shari’ah-compliant Cooperative Institution in Nigeria, building a Riba-free generation and empowering the Ummah economically.

OUR MISSION
To mobilize savings, provide ethical financing, and create halal investment opportunities that guarantee wealth creation, poverty alleviation, and financial inclusion for our members in this world and reward in the hereafter.

OUR CORE SERVICES

A. HALAL SAVINGS & CONTRIBUTION SCHEMES
- Regular Monthly Savings
- Mudarabah High-Yield Investment Account
- Halal Ajo / Daily Contribution
- Hajj & Umrah Savings Plan
- Family Future & Education Plan

B. RIBA-FREE FINANCING
- *Assets Financing:* We purchase cars, lands, building materials, electronics etc. and resell to members on Murabaha basis.
- *Business Financing:* Capital support for members’ businesses on Musharakah / Mudarabah basis.
- *Qardul Hassan:* Interest-free palliative loan for members in distress.

C. INVESTMENT & PROJECTS
We do not leave members' funds idle. Our funds are channeled into tangible, low-risk and halal investments including:
- Real Estate & Land Banking
- Agriculture & Livestock
- Trade & Commodity Supply
- Halal Logistics & Asset Leasing

Profits from these investments are distributed to members quarterly/annually based on the agreed profit-sharing ratio.

OUR SHARI’AH COMPLIANCE & GOVERNANCE
To ensure every kobo remains halal, all our products, transactions, and investments are reviewed and certified by our Shari’ah Advisory Committee made up of reputable Islamic Scholars knowledgeable in Fiqh Mu'amalat. We operate with full transparency, yearly audited accounts, and Annual General Meetings (AGM).

WHY JOIN DAARU NURIL ISLAM?
1. 100% Riba-Free: Your money never touches interest.
2. Your Wealth, Your Business: You are a part-owner, not just a customer.
3. Security & Transparency: Strict documentation and accountability.
4. Office: [DAARU NURU-L-ISLAM MODEL COLLEGE Osogbo, Osun State]

Mallam Nurudeen Babatunde Balogun
Management

25/09/2026

🕌 JUMU’AH KHUTBAH 🕌

Title: Taqwa and the Importance of Sincere Repentance” (التقوى وأهمية التوبة الصادقة)

11 Rabiu II, 1448AH || 25 September, 2026CE

(First Khutbah)

O you who believe! Fear Allah as He should be feared, and do not die except in a state of Islam.
(Surah Aal-Imran, 3:102)

Dear brothers and sisters in Islam,

I advise you and myself with Taqwa (fear and consciousness of Allah). Taqwa is the foundation of a believer’s success in this world and the hereafter.

The Prophet Muhammad (peace be upon him) said:
"Fear Allah wherever you are, follow a bad deed with a good one and it will erase it, and treat people with good character."
— [Tirmidhi – Hasan]

One of the greatest acts of Taqwa is sincere repentance (tawbah). Allah says:
Indeed, Allah loves those who repent often and those who purify themselves.
(Surah Al-Baqarah, 2:222)

No matter how great our sins are, the door of repentance is always open — as long as the soul has not reached the throat and the sun has not risen from the west.

Second Khutbah

الحمد لله حمدًا كثيرًا طيبًا مباركًا فيه، كما يحب ربنا ويرضى.
وأشهد أن لا إله إلا الله، وحده لا شريك له، وأشهد أن محمدًا عبده ورسوله.

Dear brothers, and sisters

Let us not delay our repentance. Shaytan deceives us by making us think we have time, but death comes suddenly.

The Prophet (peace be upon him) said:
"Every son of Adam is a sinner, and the best of sinners are those who repent often."
— [Tirmidhi – Hasan]

Let us turn to Allah sincerely, increase in istighfar, and improve our character. Let us remind our families and friends to fear Allah and be truthful in their repentance.

Send Salat upon the Prophet (peace be upon him),
(Surah Al-Ahzab, 33:56)

اللهم صل وسلم وبارك على نبينا محمد، وعلى آله وصحبه أجمعين.

🤲Du'a: O Allah, guide us and our families to Your Straight Path.
O Allah, make us instruments of light for those seeking truth.
O Allah, bless our land Ghana and Nigeria—grant us unity, prosperity, and firmness in faith.
O Allah, ease the suffering of our oppressed brothers and sisters in Gaza.
Grant them victory, protection, and peace.
O Allah, forgive our sins, strengthen our hearts, and unite this Ummah upon the truth.
Rabbana atina fid-dunya hasanah, wa fil-akhirati hasanah, wa qina ‘adhaban-naar.
Ameen.

18/09/2026

🕌 JUMU‘AH KHUTBAH 🕌

TOPIC: PARENTING WITH WISDOM, HIJAB WITH KNOWLEDGE, AND FAMILY MODESTY IN ISLAM

06th R. Thaani 1448AH || 18th September 2026CE

FIRST KHUTBAH

All praise is due to Allah. We praise Him, we seek His help, and we seek His forgiveness. We seek refuge in Allah from the evil of our souls and from our bad deeds. Whoever Allah guides, none can misguide, and whoever He leaves astray, none can guide.

I bear witness that there is no god worthy of worship except Allah alone, and I bear witness that Muhammad is His servant and Messenger.

O brothers and sisters, fear Allah as He should be feared, and do not die except as Muslims.

Dear brothers and sisters,

Today’s khutbah is based on an important question asked by one of our group members:

Is it right for a father to force all his daughters to cover their faces, and say anyone who refuses is no longer his child?
And is it correct for a wife and her sister-in-law to sleep in one room when there is another room available?

These are real family matters, and Islam gives guidance with balance, wisdom, and mercy.

PART ONE: 👉MODESTY IS OBLIGATORY, BUT FORCING WITHOUT KNOWLEDGE IS WRONG

Allah commanded modesty for believing women:
﴿ وَقُل لِّلْمُؤْمِنَاتِ يَغْضُضْنَ مِنْ أَبْصَارِهِنَّ وَيَحْفَظْنَ فُرُوجَهُنَّ وَلَا يُبْدِينَ زِينَتَهُنَّ إِلَّا مَا ظَهَرَ مِنْهَا وَلْيَضْرِبْنَ بِخُمُرِهِنَّ عَلَىٰ جُيُوبِهِنَّ ﴾
And tell the believing women to lower their gaze and guard their private parts and not display their beauty except what is apparent, and to draw their head coverings over their chests.
Surah an-Nur 24:31

So hijab is a command from Allah.

But brothers and sisters,

The niqab (face covering) is a matter where scholars differed:

Some scholars like Imam Ahmad and Imam Ibn Taymiyyah held it is obligatory.
Others like Imam Abu Hanifah, Imam Malik, and Imam al-Shafi'i held it is recommended, not mandatory.

So a father may encourage it strongly, but he cannot declare his daughter “not his child” for not wearing it.

That is ظلم (oppression).

Islam does not teach cutting family ties over such issues.

Allah says:
﴿ وَإِن جَاهَدَاكَ عَلَىٰ أَن تُشْرِكَ بِي مَا لَيْسَ لَكَ بِهِ عِلْمٌ فَلَا تُطِعْهُمَا وَصَاحِبْهُمَا فِي الدُّنْيَا مَعْرُوفًا ﴾
If they strive to make you associate with Me what you have no knowledge of, do not obey them, but accompany them in this world with kindness.
Surah Luqman 31:15

Even with shirk, Allah still commands good companionship.

So how can a father disown his child over niqab?

👉KNOWLEDGE FIRST, NOT FORCE

My special wise reminder to all parents:

👉If a father is ready to guide his daughters, protect them, and even help find righteous husbands when the time comes, then he is doing something good.

■ But it must be with teaching, wisdom, and explanation.
■ Not threats.
■ Not harshness.
■ Not forcing.

The Prophet ﷺ said:
“Make things easy and do not make things difficult. Give glad tidings and do not drive people away.”
Sahih al-Bukhari 69
Sahih Muslim 1732

A husband also must not force his wife with threats like:
“If you don’t wear niqab, I will divorce you!”

Allahu Akbar.

This is action without knowledge.

True guidance is:
● Knowledge first
● Mercy first
● Patience first

Because if a woman wears niqab only because she was forced, she may remove it once the pressure is gone.

But if she wears it for Allah with understanding, it becomes worship.

PART TWO: 👉MODESTY INSIDE THE HOME

Now the second question:
Is it correct for a wife and sister-in-law to live in one room when another room is available?

👉Brothers and sisters,
Islam teaches privacy and boundaries.

The Prophet ﷺ warned strongly about free mixing inside families.

He said:
“Beware of entering upon women.”

A man asked: “O Messenger of Allah, what about the brother-in-law?”

He replied:
“The brother-in-law is death.”
Sahih al-Bukhari 5232
Sahih Muslim 2172

Meaning: Fitnah is very dangerous with close relatives because people become careless.

So if there is another room available, it is better and safer for each woman to have privacy.

Islam is a religion of protection, not suspicion.

Dear brothers and sisters,
● We are in the month of Sha‘ban.
● Ramadan is very close.

This is the month to prepare:
Prepare your heart with repentance
Prepare your home with peace
Prepare your wealth with charity
Prepare your nights with prayer

👉Second Khutbah

All praise is due to Allah.
Send peace and blessings upon the Prophet ﷺ.

O Allah send blessings upon Muhammad and upon the family of Muhammad.

🤲DUA: O Allah, guide our parents to raise their children with wisdom and mercy.
O Allah, guide our daughters and sons to modesty with understanding, not force.
O Allah, protect our homes from fitnah and immorality.
O Allah, allow us to reach Ramadan and benefit from its blessings.
O Allah, feed the poor through us and make us people of charity.

🤲 O Allah, help our brothers and sisters in Gaza.
O Allah, grant safety, relief, and victory to the oppressed in Gaza.
O Allah, bless Nigeria 🇳🇬 and all Muslim countries with peace, righteousness, and strong Muslim families.
O Allah, bless Ghana and Nigeria with unity, guidance, and protection from trials.

🤲 Rabbana atina fid-dunya hasanah wa fil-akhirati hasanah wa qina ‘adhaban-nar.

✅👉 FINAL WORDS

The Messenger of Allah ﷺ said:
"If Allah guides one person through you, it is better for you than the best of worldly treasures."
📚 Sahih al-Bukhari, Hadith 4210
📚 Sahih Muslim, Hadith 2406

The Messenger of Allah ﷺ also said:
"If anyone calls others to right guidance, his reward will be equal to those who follow him."
📚 Sahih Muslim, Hadith 2674
📖 Riyad as-Salihin, Hadith 174

Subhanaka Allahumma wa bihamdika, ash-hadu an la ilaha illa Anta, astaghfiruka wa atubu ilaika.

11/09/2026

🕌 JUMU‘AH KHUTBAH 🕌

29-R.Awwal-1448 A.H || 11-Sept.,-202 6C.E

FIRST KHUTBAH

إِنَّ الْحَمْدَ لِلَّهِ نَحْمَدُهُ وَنَسْتَعِينُهُ وَنَسْتَغْفِرُهُ، وَنَعُوذُ بِاللَّهِ مِنْ شُرُورِ أَنْفُسِنَا وَمِنْ سَيِّئَاتِ أَعْمَالِنَا، مَنْ يَهْدِهِ اللَّهُ فَلَا مُضِلَّ لَهُ، وَمَنْ يُضْلِلْ فَلَا هَادِيَ لَهُ، وَأَشْهَدُ أَنْ لَا إِلَهَ إِلَّا اللَّهُ وَحْدَهُ لَا شَرِيكَ لَهُ، وَأَشْهَدُ أَنَّ مُحَمَّدًا عَبْدُهُ وَرَسُولُهُ.
Translation:
"Indeed, all praise is due to Allah. We praise Him, seek His help, and ask for His forgiveness. We seek refuge in Allah from the evil of ourselves and from our bad deeds. Whoever Allah guides, none can misguide, and whoever He allows to stray, none can guide. I bear witness that there is no deity worthy of worship except Allah alone, without partner, and I bear witness that Muhammad is His servant and Messenger."

يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ حَقَّ تُقَاتِهِ وَلَا تَمُوتُنَّ إِلَّا وَأَنْتُمْ مُسْلِمُونَ.
📖 Surah Ali 'Imran (3:102)
Translation: "O you who have believed, fear Allah as He should be feared and do not die except as Muslims [in submission to Him]."

يَا أَيُّهَا النَّاسُ اتَّقُوا رَبَّكُمُ الَّذِي خَلَقَكُمْ مِنْ نَفْسٍ وَاحِدَةٍ وَخَلَقَ مِنْهَا زَوْجَهَا وَبَثَّ مِنْهُمَا رِجَالًا كَثِيرًا وَنِسَاءً ۚ وَاتَّقُوا اللَّهَ الَّذِي تَسَاءَلُونَ بِهِ وَالْأَرْحَامَ ۚ إِنَّ اللَّهَ كَانَ عَلَيْكُمْ رَقِيبًا.
📖 Surah An-Nisa' (4:1)
Translation: "O mankind, fear your Lord, who created you from one soul and created from it its mate and dispersed from them both many men and women. And fear Allah, through whom you ask one another, and the wombs. Indeed Allah is ever, over you, an Observer."

يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَقُولُوا قَوْلًا سَدِيدًا ۝ يُصْلِحْ لَكُمْ أَعْمَالَكُمْ وَيَغْفِرْ لَكُمْ ذُنُوبَكُمْ ۗ وَمَنْ يُطِيعِ اللَّهَ وَرَسُولَهُ فَقَدْ فَازَ فَوْزًا عَظِيمًا.
📖 Surah Al-Ahzab (33:70-71)
Translation: "O you who have believed, fear Allah and speak words of appropriate justice. He will then amend for you your deeds and forgive you your sins. And whoever obeys Allah and His Messenger has certainly attained a great attainment."

Respected brothers and sisters in Islam,

👉🏻Two important questions were asked by group members regarding daily worship and modern financial transactions, and I have chosen to address them in today's Khutbah so that all believers may gain clear knowledge and peace of mind:

👉 QUESTION❓️
Assalamu alaikum wa rahmatullahi wa barakatuh.
👉🏻Is it true that if a person drinks from water first, they can no longer use that same water to perform Wudu (ablution)?
👉🏻What is the Islamic legal ruling on app "cashback" rewards (such as receiving ₦3 or ₦7 back when purchasing airtime or data through online banking apps)—is this considered Haram earning or Riba?

👉ANSWER:
Wa alaykum salam wa rahmatullahi wa barakatuh.
👉🏻In Islamic Fiqh, rulings on water purity are based on clear prophetic principles, and financial rulings on modern commerce are evaluated based on contract structure, benefit, and avoidance of usury (Riba).

FIRST: 👉RULING ON DRINKING FROM WATER BEFORE PERFORMING WUDU

1• 👉🏻Clarification of the Misconception:
The belief that drinking from a container or cup of water prevents a person from using the remaining water for Wudu is 100% false and has no basis in Islamic law.

2• The Purity of Human Saliva & Leftover Water ('Su'r'):
In Shariah, the leftover water after a human being drinks from it is "completely pure (Tahir) and purifying (Tahur)", whether the person drinking is a man, woman, Muslim, or non-Muslim.

3• Evidence from the Authentic Sunnah:
Sayyidatuna Aisha (رضي الله عنها) reported:
"I would drink while I was in a state of menstruation, then I would hand the cup to the Prophet ﷺ, and he would put his mouth on the exact spot where I had drunk and drink from it."
📖 Sahih Muslim, Hadith no. 300.

If the Prophet ﷺ drank from the exact place where his wife drank, it proves that human mouth contact does not render water impure or invalid for worship.

4• 👉🏻The Basic Principle of Water Purity:
Water remains pure and valid for Wudu as long as its three basic characteristics (color, taste, and smell) have not been altered by an impure substance (*Najasah*). Drinking clean water from a bowl, bucket, or jug before making Wudu does "NOT" impair its purity at all.

SECOND: 👉IS APP CASHBACK (AIRTIME/DATA REWARDS) HARAM OR RIBA?

With the rise of mobile banking and fintech apps (such as OPay, Palmpay, Kuda, bank apps, etc.), platforms frequently offer small monetary returns—such as ₦3, ₦5, ₦7, or ₦10—when users purchase airtime, pay utility bills, or buy data packages.

1• The Nature of the Transaction:
When you buy data or airtime through an app, you are engaging in a valid sale contract or agency contract. The app seller acts as a distributor for telecommunication services.

2• The Islamic Classification of Cashback:
The small return (cashback) provided by the company or platform falls under two halal Islamic financial concepts:
● Discount on Sale: The app operator is waiving a portion of their profit margin and returning it to the buyer as a incentive discount.
● Unilateral Gift / Incentive: The financial company gives a voluntary gift from its marketing budget to encourage users to conduct business on their platform.

3• When is Cashback Halal?
Cashback on airtime/data purchases is HALAL (PERMISSIBLE) under the following conditions:
■ The primary transaction is a genuine purchase of goods or services (e.g., buying airtime, paying electricity bills, buying data).
■ You are not taking a interest-bearing loan, where extra money is paid back on a loan.
■ The price charged for the data/airtime is not artifically inflated above market rates to collect interest.

📖 The Permanent Committee for Scholarly Research and Ifta (al-Lajnah al-Da'imah) ruled:
👉🏻"Gifts, discounts, and promotional rewards given by merchants or companies to buyers to encourage transactions are permissible, provided the transaction itself does not involve Riba, gambling, or fraud."
📖 Fatawa al-Lajnah al-Da'imah, Vol. 13, page 120.

*Note of Caution on Stored Funds:* If an app promises a fixed daily or monthly percentage return simply for *holding/storing money* in an account balance (without buying any service), that fixed return "IS RIBA (Usury)" and is strictly Haram.
But, cashback received directly for purchasing airtime or data is a legitimate promotional discount and is 100% Halal.

أَقُولُ قَوْلِي هَذَا وَأَسْتَغْفِرُ اللَّهَ لِي وَلَكُمْ وَلِسَائِرِ الْمُسْلِمِينَ مِنْ كُلِّ ذَنْبٍ فَاسْتَغْفِرُوهُ إِنَّهُ هُوَ الْغَفُورُ الرَّحِيمُ.

👉🏻SECOND KHUTBAH

الْحَمْدُ لِلَّهِ رَبِّ الْعَالَمِينَ، وَالصَّلَاةُ وَالصَّلَامُ عَلَى أَشْرَفِ الْأَنْبِيَاءِ وَالْمُرْسَلِينَ، نَبِيِّنَا مُحَمَّدٍ وَعَلَى آلِهِ وَصَحْبِهِ أَجْمَعِينَ.

👉CLOSING REFLECTION ON RABI' AL-AWWAL & FOLLOWING THE SUNNAH

Beloved brothers and sisters, as we reach the end of this noble month of Rabi' al-Awwal—the month associated with the birth and life of our beloved Prophet Muhammad ﷺ—let us remember that the truest sign of loving him is relieving ourselves of unwarranted superstitions and learning the simplicity and ease of his religion.

The Prophet Muhammad ﷺ said:
إِنَّ الدِّينَ يُسْرٌ، وَوَلَنْ يُشَادَّ الدِّينَ أَحَدٌ إِلَّا غَلَبَهُ
"Indeed, the religion is easy, and no one overburdens himself in the religion except that it overcomes him."
📖 Sahih al-Bukhari, Hadith no. 39.

Islam came to lift hardship, eliminate false cultural myths, and make halal commerce straightforward for humanity. Let us spend our time learning authentic knowledge from the Qur'an and Sunnah, earning pure and halal livelihood, and maintaining firm adherence to the Sunnah in all our daily affairs.

👉 ADVICE
Respected brothers and sisters in Islam, do not accept religious claims or prohibitions based on rumors or hearsay ("they said"). Always ask for clear proof from the Qur'an and authentic Sunnah. Religion is built upon certainty, not unfounded doubts or superstitions.

Furthermore, ensure that your earnings remain pure by keeping away from clear interest (Riba) while taking advantage of legitimate, halal commercial discounts and rewards provided in daily business.

🤲 Dua:
O Allah, send Your peace and blessings upon our Prophet Muhammad, his family, and all his companions. O Allah, grant us beneficial knowledge, pure provision, and accepted deeds. O Allah, keep us away from usury, forbidden earnings, and false doubts. O Allah, forgive our parents, our scholars, and all believing men and women. O Allah, bring relief, victory, and ease to our oppressed brothers and sisters in Palestine, Gaza, Sudan, Nigeria, Ghana, and across the world. Ameen!

👉 Final Words:
As the Prophet Muhammad ﷺ said:
"If Allah guides one person through you, it is better for you than the best of worldly treasures."
📖 Sahih al-Bukhari & Sahih Muslim

The Messenger of Allah ﷺ also said: "Whoever calls others to right guidance will have a reward equivalent to those who follow him, without their rewards being diminished in any respect."
📖 Sahih Muslim, Hadith no. 2674; Riyad as-Salihin, Hadith no. 174.

Subhanaka Allahumma wa bihamdika, ash-hadu an la ilaha illa Anta, astaghfiruka wa atubu ilayk.

DAARU NURIL ISLAM FORUM

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