Connect with us

#Life

US Muslim Jurists Resolution on Islamic Finance Companies

MuslimMatters

The issue of purchasing a house through Islamic financing has been written about in detail by experts and intellectuals for the past decade or so. However, it appears that majority of American-Muslims are either in doubt or are misinformed about the validity of the actual practice (buying homes through ‘halal mortgages’ or loans). Many prospective home owners dismiss all Islamic home loans as problematic or interest based loans candy coated in Islamic terminology.

This led the Assembly of Muslim Jurists of America (AMJA) to invite a group of 230 Imams from all over the United States to its annual Imams’ Conference in Dallas, Texas in February 2014 to discuss current Islamic finance companies and their contracts from theoretical and practical perspectives (read about the conference here).

After discussing and debating various clauses of the contracts, AMJA announced that it will take a few months to further discuss their concerns with the named companies and then issue a final verdict with regards to their contracts. This declaration was released yesterday.

What is AMJA

Support MuslimMatters for Just $2 a Month

MuslimMatters has been a free service to the community since 2007. All it takes is a small gift from a reader like you to keep us going, for just $2 / month.

The Prophet (SAW) has taught us the best of deeds are those that done consistently, even if they are small. Click here to support MuslimMatters with a monthly donation of $2 per month. Set it and collect blessings from Allah (swt) for the khayr you're supporting without thinking about it.

AMJA stands for the Assembly of Muslim Jurists of America. It’s a nonprofit established in 2002 with the goal of conducting research about contemporary issues facing Muslims in the West and issuing Islamic verdicts with the findings. This research is conducted and supervised by the Resident Fatwa committee (RFC), which comprises of scholars with Doctorates of Philosophy in various Islamic Sciences.

Their website finds a long list of publications and research papers (mainly in Arabic) covering various subjects including interfaith, youth, food and nutrition, careers and arbitration. Over the years this organization has built a reputation of scholarly work and has shown dedication to tradition and authenticity through their research. You can find more about their published research papers here.

The Findings

AMJA requested and received copies of the contracts of various Islamic home finance companies and studied them. Their conclusion was divided into two main categories: (a) three classes of Islamic home finance companies and (b) ruling on individual companies. I have included both below:

The Three Classes:

(1) Companies that use interest-based loans: AMJA’s description of such companies is that they are using contracts that are an offshoot of traditional interest-based loans. AMJA’s ruling with regards to these companies is that it is not allowed to deal with them.

(2) Companies whose contracts are in agreement with Islamic law. Generally speaking, these companies are of very little reach and are not supported by government-sponsored enterprises (such as Freddie Mac etc.). This means that they do not receive funds from such enterprises, which permits them the freedom to control their contracts without any restrictions or regulations from the government (loosely speaking- obviously there are government regulations but they are nowhere close to those imposed by Freddie Mac, for example). The downside of such companies is that they don’t have enough funds to sustain a large operation when compared to those who have the support of government-sponsored enterprises.

(3) Companies that use contracts that avoid explicit Riba in their contracts, however their contracts contain some components that are forbidden from an Islamic prespective. The contracts offered by such companies usually utilize one of the following three modes of finance: Ijarah (Lease-to-purchase), Musharakah (Declining Balance co-Ownership) or Murabah (Cost plus profit). Within these contracts there might be some clauses that are in violation of the essence of Islamic rule, according to AMJA.

Some of the clauses that you might want to pay attention to include, but are not limited to, what happens when one defaults or is late in making their payments? Is the arrangement of paying taxes, maintenance and other costs considered fair (since the majority shareholder in any company is expected to pay according to their shares, the loaning company in a Musharakah contract should participate in such costs and not only the minority shareholder)? What happens in the case of eminent domain? Other examples of the components indicated above include invalid clauses, inequity, undue risk, unknown quantities and the like. For more information about the fiqhi debate as why such components are forbidden in Islam, please consult with your local Imam or contact AMJA directly. It is highly encouraged that you request a copy of the contract before signing, read it and inquire about any unclear or ambiguous aspects of it. It’s also highly recommended that you speak to your local Imam/scholar or reach out to AMJA for more clarification.

The concept of “Need” and “Dire Need”

Although there are some violations in the aforementioned contracts, AMJA views owning houses to be a general need of the Muslim population in America. AMJA defines need as:

that which is desired by an individual or society to make things easier on them and remove constraints. If one is lacking what is determined to be a “need,” then the individuals or the society face hardships and difficulties that go above and beyond the customary efforts required of individuals by the Islamic Law. People may differ in estimating those hardships.

As for determining the level of need for specific individuals, this would depend on the availability of a substitute in the form of being able to rent without being caused harm.

What I found interesting about this definition is that although AMJA believes that there is a general need for Muslims to own a house, it leaves the determination of such need to the individual(s) interested in buying the house. This indicates that even though there is a general need that allows for using imperfect contracts, the individuals’ situation is still a critical factor to decide the actual level of need.

Another interesting aspect of this definition is following statement:

…this would depend on the availability of a substitute in the form of being able to rent without being caused harm.

How can rent be without causing harm? Financially, obviously those who choose to rent are not worried about property taxes or devalue of the property and more importantly aren’t responsible for any major maintenance or insurance. However, renters do not take advantage of any equity or tax incentives. Moreover from a social perspective, owning a house may encourage home-owners to sustain long term relations with their neighbors, the Muslim community around them, and even the grocery stores in the area. Children in the family increase the chances of  having the same friends, attend the same schools and masjids which helps in cultivating a stable childhood.

AMJA also used the terms “need” and “dire need” in what appears to be an attempt to create a distinction between the contracts below with regards to how islamic their contracts are. There was no definition as to what a “dire need” constitutes. The natural consequence of such distinction is the advantage it lends to certain companies over others. This might be a way (a good way) of placing pressure on companies whose contracts have more violations than others. This also will decrease the competition between companies (given that people actually follow AMJA’s recommendations), which might backfire with regards to consumer protection. Only time will tell.

Rulings with regards to the Individual Companies:

Disclaimer: It should be noted here that the opinion below is that of AMJA and that neither MuslimMatters.org nor the author of this article have an opinion on this matter. The AMJA declaration can be found on their website here. It also should be noted that Guidance Residential advertises with MuslimsMatters, however they were not consulted with about the actual content of this article.

Before listing the rulings per each company and their contracts, AMJA highlighted the following two very important points:

– The current verdicts apply only to the version of the contracts that were presented at the time of issuance of the verdict as well as the manner of execution of the contract. This makes sense as such contacts are often edited and updated.
– AMJA requested more clarification from some of the below mentioned companies with regards to their relationship with federal financing institutions such as Freddie Mac and others. However a detailed clarification was not received.

Guidance Residential

They are based on a diminishing partnership with rent to own ending in ownership model in their relationship to the purchaser. Their contract is sound in general. However, it contains some Shari’ah violations with respect to maintenance, taxes and insurance, as these expenses are not distributed in a just manner according to percentage of ownership.

The ruling of the RFC Committee concerning Guidance Residential is that it is permissible to deal with them in the face of need. The representatives of this company are advised to review those defective portions of their contract.

Ameen Housing:

They are based on a diminishing partnership with rent to own ending in ownership model in their relationship to the purchaser. Their contracts are not sold to the federal institutions [such as Freddie Mac]. They also avoid explicit interest in their transactions. However, their contract does contain some Shariah objections glitches, such as unfairness in the percentage that they discount in the rent to take care of basic maintenance, expenses that be more or less than that discounted amount. Additionally, they have just introduced a late payment fee [which is another violation of Shariah principles].

The ruling of the RFC Committee is that there is no harm in dealing with this company in case of need, although one should do one’s best to make one’s payments on time in order to avoid the late payment fee. The Committee also encourages the company to abstain from those aspects pointed out by the Committee.

Devon Bank:

This company has two types of Islamic contracts:

The first contract is Murabahah a cost-plus purchase. This contract is surrounded by doubts concerning whether the bank truly owns the property before it is readied for sale. In addition, this contract also contains some defective or problematic conditions or aspects of great unfairness, such as with respect to (a) the bank having exclusive benefits from insurance payouts while requiring the purchaser to pay for the insurance, (b) the bank’s right to freeze the purchaser’s account simply on the suspicion that he will not be able to make his payments, (c) the bank’s right to declare the purchaser in default if he does not use the property as a residence or due to his death although heirs have the right to continue the contract after his death, in fact the cost-plus purchase contract states that the heirs are bound by the contract.

The ruling of the Committee is that there is no harm in dealing with this [Murabahah contract of] this company in the presence of dire need. Whoever remains away from it has kept himself safe and has protected his faith and honor. The Committee advises the Bank to correct these aspects and to affirm the ownership of the property before selling it and to avoid the other invalid conditions as much as possible.

The second contract is a rent to own contract. This also contains a number of Shariah violations and invalid conditions, including having two different contracts (sale and lease) at one time, about one item during one time period. Various Fiqh councils have ruled that this model is not permissible as the legal effects of the two types of contracts are contradictory. This may be corrected by separating the two contracts by making them independent of each other time-wise, such that the sale contract is done after the lease contract, which must be a true lease and not something meant to simply hide the sale. Or, they [may replace the sale] with a promise of handing over ownership at the end of the lease.

From among the defective or void stipulations that this contract embodies are the fact that the bank can evict the lessee upon default but the bank still holds him responsible for the rent until they can find a new renter, the fact that the bank does not pay for the basic maintenance of the property and the fact that the lessee is required to pay insurance while the bank retains the right of any payments from the insurance, allowing the bank to benefit while the lessee bears the cost.

The ruling of the Committee is that there is no harm in dealing with this [rent to own contract of this] company when one is in a state of dire need. Whoever remains away from it has kept himself safe and has protected his faith and honor. The Committee emphasizes its recommendation to the bank to rectify the current model by separating between the two contracts and avoiding the defective or void stipulations as much as possible.

University Islamic Financial (UIF)

The same comments concerning their cost-plus model and lease-to-own models as were stated concerning Devon Bank can be repeated here. Thus, their models have the same rulings and the Committee offers them the same advice. There is an exemption to deal with this company only if one is in a state of dire need. Whoever remains away from it has kept himself safe and has protected his faith and honor.

Ijara Loan:

This company starts by directing the purchaser to get a standard interest-based [mortgage] loan and then creates a trust with the purchaser a partner in the trust, in order to borrow from the bank and then get ownership of the property. After that, the trust will sell the house to the purchaser with a rent-to-own contract. The purchaser is alone in getting the interest-based loan at the beginning and then shares in it at the end.

The ruling of the Committee is that it is not allowed to deal with this company as their model contains clear and explicit interest. We advise those in charge of this company to review and correct their model and to fulfill the trust that has been put in them by those who wish to avoid interest in their financial dealings.

LaRiba:

The contract of this company does not differ from a traditional mortgage that interest-based banks provide. This is the overriding contract between this company and the purchaser and what they present as an Islamic form to it actually has no existence in reality and has no legal authority in case of dispute.

The ruling of the Committee is that it is not allowed to deal with this company as their model contains clear and explicit interest. We advise those in charge of this company to review and correct their model and to fulfill the trust that has been put in them by those who wish to avoid interest in their financial dealings.

In Conclusion

As one of the fortunate individuals who witnessed this journey of how this resolution transpired,  I have come to appreciate the amount of work it takes to build these contracts. It was inspiring for me to see that even though our scholars disagree with each other, they show respect and honor to each other. Observing scholars debate over some of the most detailed aspects of these contracts assured me that our Muslim faith is in good hands. It assured me that Allah has blessed us with scholars who differ in opinion but are united in their quest for the truth. I ask Allah to have mercy on our scholars, to cover and forgive their sins, and to make them amongst the people of paradise.

Ameen.

 

Support Our Dawah for Just $2 a Month

MuslimMatters has been a free service to the community since 2007. All it takes is a small gift from a reader like you to keep us going, for just $2 / month.

The Prophet (SAW) has taught us the best of deeds are those that done consistently, even if they are small. Click here to support MuslimMatters with a monthly donation of $2 per month. Set it and collect blessings from Allah (swt) for the khayr you're supporting without thinking about it.

63 Comments

63 Comments

                • Pingback: Weekly industry update | Islamic Finance Expert

                  • Pingback: US Muslim Jurists Resolution on Islamic Finance Companies « Loan Marketplace

                              Leave a Reply

                              Your email address will not be published. Required fields are marked *

                              Gender Relations

                              Loving Muslim Marriage Episode 10#: Do Angels Curse the Wife Who Refuses Sex?

                              It is often heard that the Prophet said that if a man calls his wife to bed and she refuses him, that the angels will curse her until the morning. There are a lot of ways that people understand this, but what is the right way of understanding this Hadith?

                              Join us with Shaykh Abdul Nasir Jandga to talk about this commonly mistranslated, misunderstood narration.

                              Support Our Dawah for Just $2 a Month

                              MuslimMatters has been a free service to the community since 2007. All it takes is a small gift from a reader like you to keep us going, for just $2 / month.

                              The Prophet (SAW) has taught us the best of deeds are those that done consistently, even if they are small. Click here to support MuslimMatters with a monthly donation of $2 per month. Set it and collect blessings from Allah (swt) for the khayr you're supporting without thinking about it.

                              Continue Reading

                              Gender Relations

                              Loving Muslim Marriage Episode 9#: Islamic Validation of the Female Orgasm

                              There is a cultural misconception that pious Muslim women are somehow disassociated from sex, that sex is a Muslim man’s right, but a Muslim woman’s obligation. Where does Islam actually stand on the sexual rights of women in marriage?

                              Support Our Dawah for Just $2 a Month

                              MuslimMatters has been a free service to the community since 2007. All it takes is a small gift from a reader like you to keep us going, for just $2 / month.

                              The Prophet (SAW) has taught us the best of deeds are those that done consistently, even if they are small. Click here to support MuslimMatters with a monthly donation of $2 per month. Set it and collect blessings from Allah (swt) for the khayr you're supporting without thinking about it.

                              Continue Reading

                              #Life

                              Mental Health & COVID-19: Light, Guidance, & Much Love | Part 1

                              Insha’Allah, you and your loved ones are safe & healthy. May Allah swt protect us all from COVID-19, Ya Hafidh, and open the way for our spiritual growth, Ya Fattah Ya Rabb. No doubt, we are living in very challenges times, and many in our community are suffering. As such, my intention for this two-part series is to provide some beneficial perspectives and practical strategies that will make your emotional journey safer & easier, insha’Allah.

                              And a journey it surely is. We are on a very long hike up a very steep mountain. And we have only two choices about HOW we approach this challenge: unskillfully or skillfully. If we wear flip-flops, and fail to pack water and snacks, we will have a very difficult time reaching the summit. And if we do, we will be in very bad shape. If we wear good socks, sturdy hiking boots, and our backpack is well-stocked, not only are we likely to reach the summit, but reach it in great shape. This is what I want for our beloved community, insha’Allah.

                              As Muslims, it is crucial to remember that the ultimate summit is the hereafter. Truly, Allah subḥānahu wa ta'āla (glorified and exalted be He) is our goal and pleasing Him is our aim. Truly, everything we do or fail to do here has an impact there. For many people, this haqq is much more difficult to remember and actualize when their day-to-day challenges are daunting. This is why historically and traditionally, in times of crisis, Muslims have always sought the nasiha of wise elders. Imam Muhasibi, the father of Islamic Psychology, developed this crucial, beautiful science in response to the human needs of his students. Sadly, the loss of these teachings as a widespread living tradition has contributed in large part to the widespread mental-health problems that have been plaguing our community for a very long time, which have now been exacerbated by COVID-19.

                              Support MuslimMatters for Just $2 a Month

                              MuslimMatters has been a free service to the community since 2007. All it takes is a small gift from a reader like you to keep us going, for just $2 / month.

                              The Prophet (SAW) has taught us the best of deeds are those that done consistently, even if they are small. Click here to support MuslimMatters with a monthly donation of $2 per month. Set it and collect blessings from Allah (swt) for the khayr you're supporting without thinking about it.

                              Here’s a good metaphor. The science of nutrition teaches us about our body, the properties of different foods, what to avoid to prevent disease, and the vital nutrients we MUST ingest to attain optimum physical health. Likewise, the science of mental health teaches us about our heart and mind, the impact of specific activities, what to avoid to prevent disease, and the vital psychological nutrients we MUST ingest to attain optimum mental health. Lack of knowledge about Islamic Psychology and the absence of the vital psychological nutrients have taken a huge toll on our community. The stories I hear would probably shock you. They would certainly break your heart. Especially the stories of our young people, who are my top priority. Insha’Allah, the wake-up call of COVID-19 propels us to reclaim en masse this lost part of our spiritual heritage, so we can reclaim our vitality and nobility as the Ummah of Muhammad ṣallallāhu 'alayhi wa sallam (peace and blessings of Allāh be upon him).

                              To continue with the metaphor. Working one-on-one with an experienced nutritionist is very different than reading a book about nutrition. With the former, your nutritional program is specifically tailored to your particular problems, challenges, habits, and temperament. The same is true when it comes to mental health. So I must manage your expectations honestly and honorably by saying that it is not possible for me to do in two articles for the general public what I do one-on-one in my private practice as a psychotherapist, life-coach, and spiritual mentor. Truly, there is a palpable, powerful, fitrah-based alchemy that can only happen when two human hearts link-up in real time. That said, in the same way that reading and learning about nutrition is very beneficial, so too reading and learning about mental health, especially now.

                              Working Skillfully with Difficult Emotions

                              No doubt, COVID-19 has unleashed a wide range of very difficult emotions. People are struggling with tremendous anxiety, uncertainty, fear, sadness, loneliness, depression, helplessness, hopelessness, anger, frustration, confusion, grief, despair, and in some cases, a full-blown crisis of faith. So let me explain a little bit about emotions and how to work with them skillfully  

                              One of the foundational principles of cognitive-behavioral psychology is called ‘reframing.’

                              It is the process of deliberately thinking differently about our situation. Reframing it. The fact is, the lens through which we view our circumstances makes all the difference in the world insofar as how we feel. Thoughts are like the front wheels of the car and feelings are like the back wheels. We must be in the driver seat, steering intentionally. Whichever way the front wheels turn, the back wheels follow. So paying attention to our thoughts moment by moment, and making sure they are aligned with the Qur’an and Sunnah, is crucial. The mind is a like a muscle that MUST be trained through specific exercises, and our tradition is rich in the techniques for doing so. Truly, we must hit the spiritual gym regularly. The heavy lifting of muhasiba (self-reckoning) and muraqaba (mindfulness/meditation) are not optional. If these are not already a consistent part of your spiritual practice, NOW is the time to take them up. You will be so happy you did!

                              Here’s a good metaphor. If you are a longtime couch potato, even a flight of stairs leaves you huffing and puffing. If you are in good shape, you’re able to jog around the block easily. If you’re in great shape, you’re able to leap over the hurdles like a gazelle. For many, COVID-19 has been like asking a couch potato to run a marathon. So we need to get in the best spiritual shape possible as quickly as possible. To that end:

                              The Centering Exercise 

                              Every time you notice that you are feeling sad, anxious, fearful, angry, hopeless, helpless, impatient, frustrated, confused, or depressed, here’s what to do.  

                              • Turn off your devices and put them in another room.
                              • Close your door and put a “Please do not disturb.” sign on the doorknob. Lay down.
                              • Close your eyes. Turn your attention to your heart. Remember the Hadith Qudsi, “Heaven and earth cannot contain me but the heart of my faithful believer is where I reside.” Truly, Allah is closer than our jugular vein. (50:16)
                              • Take some slow-deep breaths. On the out-breath, silently recite “La illaha.” On the in-breath, silently recite “il Allah.” After a few minutes, notice the shift in your state. Notice the deep connection between ‘self’ and ‘breath’, not just experientially, but also etymologically. They both derive from the same Arabic root, transliterated nfs.   
                              • When you are centered, mentally review what you had been thinking about that gave rise to the difficult emotions.  Then do a ‘search and replace,’ deliberately and intentionally replacing your dark thoughts with the Light of The Qur’an or Hadith. Here is one example: Search: “I’ll never get through this.” Replace: “Allah never burdens a person with more than he is well able to bear.” (2:286)

                              As individuals, we each have our own particular dark thoughts. NOW is the BEST time to fix them. I lovingly encourage you to get a blank journal, so that each time you do The Centering Exercise, you can make note of what you observed, what you learned about yourself. Write down each dark thought and then write down each Rx of Light from The Qur’an or Sunnah. Having a personal journal gives you a concrete means of reinforcing your new thought patterns. 

                              We know from our neuroscience that the human brain possesses ‘neuroplasticity’, which is the capacity to be shaped, molded, changed. As such, the more often you do The Centering Exercise, the more your thinking patterns will change. This is how Allah subḥānahu wa ta'āla (glorified and exalted be He) created us, mash’Allah! It’s really quite amazing to realize that the Qur’an we’ve been given provides Light upon Light from The Lord of The Worlds. And the Sunnah is that Light fully actualized to perfection, mash’Allah. The fact is, no matter how dark a room may be, if we light just one candle, it illuminates the space. Mash’Allah!

                              Parents, once you get the hang of The Centering Exercise, please please teach it to your children! Insha’Allah, make it the new normal in your household, transforming discord and upset into harmony and peace.

                              Say “Ameen!”

                              Divine Reminders

                              Insofar as reframing COVID-19 in the broader sense, I offer you this lens, this Divine Reminder, with much love. May it shift your state from embittered to empowered. My beloved sisters and brothers, Allah subḥānahu wa ta'āla (glorified and exalted be He) is our Rabb, our Teacher, and COVID-19 is the Test we’ve all been given. Every single human being on the planet. We all woke up one day, walked into the classroom of Life, and got handed a pop quiz. The purpose of which is to show us the places where we weren’t prepared. This is great! Because the trumpet is absolutely going to sound, and we surely want to be ready. As long as we’re breathing, we have time to prepare. This is great!

                              Say “Ameen!” 

                              Beloved ones, we have the incredible privilege of being students of The One Who Knows Everything, including The Future and The Unseen.  It is very bad adab to question the teaching methods of our Teacher or to complain that we don’t like the Test.

                              This was the fatal mistake of Bani Israel that we are reminded 17x/day not to emulate. On the contrary, what we want to be asking ourselves is: “What must I do to pass this Test with flying colors, to ace this Exam?” Our beautiful Qur’an teaches us: “Not without purpose did We create heaven and earth and all between.” (38:27)  This pandemic is not some random event. It has a divine purpose. There is deep meaning in it. 

                              There is also enormous rahmah in it. Our beautiful Qur’an teaches us: “…My mercy embraces everything.” (7:156) The Divine Physician has dispensed this bitter medicine to heal us. To heal the whole world from its longstanding imbalances and injustices. Surely, it is no accident, the timing of COVID-19 vis-à-vis the murder of George Floyd and the global response it has galvanized.  Surely, every human being wants to and deserves to breathe.

                              COVID-19 is a wake-up call for the whole world. Ours to do as students is to be fully present in each moment, to practice mindfulness (muraqaba), so we can be deeply receptive to the Lessons we are meant to learn (muhasiba). Indeed, Allah will not change the condition of a people until they change what is in themselves.” (13:11) Beloved ones, NOW is the time for global tawbah (repentance). As the Ummah of Muhammad ṣallallāhu 'alayhi wa sallam (peace and blessings of Allāh be upon him), this is our Divine Assignment, individually, collectively, institutionally. 

                              My vision and personal commitment is that we wind up stronger and better-than-ever on the other side of this, insha’Allah. I can say this with great confidence because first and foremost, I know that COVID-19 or no COVID-19, Allah subḥānahu wa ta'āla (glorified and exalted be He) is not out of business! The presence of The Presence, the power of the Names & Attributes, are as robust as ever. 

                              We are being summoned to recognize our hubris and turn our hearts in humility toward The One Who Is In Charge, The One Who Calls The Shots, to The One Whose Decree we surrender. Humbly. Readily. Insha’Allah, NOW is the time to actualize the last part of Hadith Jibreel about qadr. The fact is, what’s happening around us is what’s happening, and this is always in the hands of Allah subḥānahu wa ta'āla (glorified and exalted be He). HOW we respond to what’s happening is entirely up to us.

                              What I want for our community is the best possible response, the most skillful and beautiful response, the response that will be of maximum benefit here & hereafter, insha’Allah.

                              I can also say this with great confidence because time and again, working with Muslim refugees who have been through horrific trauma, I have seen with my own eyes how absolutely amazing human beings are. How resilient. How courageous. How creative. How capable of transforming sorrow into joy, lemons into lemonade, compost into roses. This is what I want for you, my beloved sisters and brothers.

                              No doubt, on any long and arduous journey, in addition to having the right equipment and supplies, having an experienced trail-guide makes all the difference. There is dangerous terrain you want to avoid, and beautiful vistas you don’t want to miss. In my experience over decades, I have observed that human beings thrive when we are given the right tools and the loving encouragement to master them.  So let me give you now some very practical guidelines to help you navigate skillfully, so you can extract from these precious days of your life what is meaningful & transformational. 

                              Practical Strategies

                              When it comes to protecting our physical health from the pandemic, there are certain steps we MUST take. Likewise with our mental health. As such, here are some practical strategies, culled from thousands of pages of research and decades of experience. My focus is on parents, whose job has never been more difficult. And with the new school year right around the corner, this guidance is extremely timely. 

                              Boundaries: Set clear boundaries regarding where and when devices can be used. This applies to everyone in the household, kids and parents alike. Parents, as your elder who loves you, I am reminding you that YOU are the CEO of your home. YOU are the policy maker. YOU are in charge. NOT your kids or their devices. So take charge!

                              • No devices for kids 0-3. These guidelines are from the American Pediatric Association. 
                              • No devices at the dinner table* or in the bedrooms.
                              • No devices until after Fajr. Better yet, after breakfast.
                              • All devices put away 1-2 hours before bedtime. Plugged in in the kitchen to recharge.
                              • Limit on-line entertainment and socializing to 1 hour/day MAX.
                              • Schedule tech fasts ½ day weekly, and 1-2 full days monthly, on a weekend.
                              • An occasional family-time movie is fine on the weekend. Choose something meaningful, uplifting, thought-provoking, heart-opening. Pop some popcorn. Make tea. Engage in a special time afterward to really talk together about your experience. *Getting in the habit of real-time-face-to-face conversations is crucial. If you start when your kids are young, it will lay a strong foundation for their teenage years, when they desperately need wise, trustworthy, caring adults who really know how to listen from the heart.

                              Nature: Spending time in nature is the very best thing you can do for yourself and with your family. There are reams of data about the stress-reducing effects of being outdoors, especially in the woods. There are also reams of data about the benefits of exercise, not only for physical health, but for mental health. Given all the extra sitting everyone is doing during COVID-19, regular exercise is not optional. 

                              Furthermore, if your kids are schooling from home and you are working from home, everyone will surely need some breathing room, some physical and emotional space from one another, some time every day in solitude, unplugged from their devices. Spending alone-time in nature is the perfect solution. 

                              For family-time activities, unplug from your devices and enjoy these delightful experiences. They will engender tremendous awe (khushu’) and deepen your heart-connection with your Rabb, The One Who Created you and all the beauty around you. Subhan’Allah.

                              • Take a 15-30 minute family-walk every night after dinner before homework.
                              • Go hiking, biking, rollerblading, kayaking, kite-flying, or camping on the weekend.   
                              • Set up bird feeders in your yard. Learn their names and identify their songs.
                              • Go out nightly to look at the stars. Learn the names of the constellations.
                              • Watch as many sunrises & sunsets, moonrises & moonsets as you can. 

                              As Muslims, our worship is guided by the natural cycles Allah put in place. The sun is our clock. It tells us when to pray. The moon is our calendar. It tells us when the new month begins. Sighting the moon is an act of worship, mash’Allah.

                              Divine Reminders

                              Our beautiful Qur’an teaches:“We will show them Our Signs (ayat) in the universe and in their own selves, until it becomes clear to them that this (the Qur’an) is the truth.” (Fussilat 41:53)

                              In this ayah, we are taught the two beautiful gateways into the sacred: the macrocosm of the universe, and the microcosm of the self. Both of these gateways open into the direct experience of Allah’s presence. 

                              As Muslims, we have been invited to spend time in this dunya in the company of The One Who is Love (al-Wadud). The One Who is Strength (al-Aziz). The One Who is Peace (as-Salaam). And on & on. What could be more beneficial during this time of crisis? Alas, calling upon our Rabb by His most Beautiful Names, with urgency & sincerity, is one of the Lessons we must learn from COVID-19.  My prayer for our community is that people do not squander the opportunity to connect in a deep, meaningful, intimate way heart-to-heart with Allah because they can’t put their phone down or turn their computer off. Insha’Allah, I will address the subject of digital addiction in the second article, as it plays a huge role when it comes to mental health issues.

                              Closing Du’a

                              Ya Habibi Ya Allah. Please grant us oceans of fortitude and mountains of strength Ya Sabur Ya Aziz. May we be dutiful beautiful students who strive with all our might in jihad al akbar to pass this test with flying colors, to ace this exam. May we, the Ummah of Muhammad ṣallallāhu 'alayhi wa sallam (peace and blessings of Allāh be upon him), love one another like he loves us, and strengthen one another every step of the way. May we wind up stronger and better-than-ever on the other side of COVID-19, reclaiming the standard of Insan Kamil as the Index by which we measure our lives. Ya Dhal Jalali wal Ikram.

                              Say “Ameen!” 

                              Support Our Dawah for Just $2 a Month

                              MuslimMatters has been a free service to the community since 2007. All it takes is a small gift from a reader like you to keep us going, for just $2 / month.

                              The Prophet (SAW) has taught us the best of deeds are those that done consistently, even if they are small. Click here to support MuslimMatters with a monthly donation of $2 per month. Set it and collect blessings from Allah (swt) for the khayr you're supporting without thinking about it.

                              Continue Reading
                              .
                              .

                              MuslimMatters NewsLetter in Your Inbox

                              Sign up below to get started

                              Trending