The Qur'an ChartThe Qur'an Chart(Ten Laws of Wealth(Ten Laws of Wealth

in the Qur'an)in the Qur'an)

Ahmed Alarafi

Medina Research Institute

Richardson, Texas

Safar 1433

January 2012

www.QuranChart.comALL RIGHTS RESERVED

AboutAbout the Laws…the Laws…

Ten Laws of Wealth lead (if applied with sincerity) Ten Laws of Wealth lead (if applied with sincerity) to the greatest prize which is to the greatest prize which is JannahJannah (Paradise): (Paradise): the place of ultimate wealth.the place of ultimate wealth.

““Wealth is not excess possessions, true wealth is Wealth is not excess possessions, true wealth is self-content.” Agreed upon (self-content.” Agreed upon (Bukhari & MuslimBukhari & Muslim))Seeking wealth is encouraged in Islam. Seeking wealth is encouraged in Islam. Wealth is a good thing in the hand of a righteous Wealth is a good thing in the hand of a righteous

person. (person. (HadeethHadeeth Shareef) Shareef)

This research took more than ten This research took more than ten years to appear on a single page!years to appear on a single page!

It will provide a serious student of the Qur’an more It will provide a serious student of the Qur’an more than ten or twenty years worth of inspiration.than ten or twenty years worth of inspiration.

Insha’AllahInsha’Allah..

Surat Al Fatiha - Chapter 1Surat Al Fatiha - Chapter 1

• In Surat Al Fatiha there are 7 In Surat Al Fatiha there are 7 ayaatayaat (verses). (verses).

• 11stst AyahAyah: : يم� ح� ن� ٱلر� ـ� م ح� م� ٱل� ٱلر� ح�يم�ب�س� ن� ٱلر� ـ� م ح� م� ٱل� ٱلر� ب�س�• ““In the Name of Allah, the Most Merciful, the Most Gracious.”In the Name of Allah, the Most Merciful, the Most Gracious.”• This This ayahayah represents represents RemembranceRemembrance; the 1; the 1stst Law of Wealth in the Qur’an. Law of Wealth in the Qur’an.• This law is explained further in Suwar: 1, 11, 21, 31, 41, 51, 61, 71, 81, 91, 101, 111.This law is explained further in Suwar: 1, 11, 21, 31, 41, 51, 61, 71, 81, 91, 101, 111.• For example, in Surat Hud (11: 3), For example, in Surat Hud (11: 3), istighfaristighfar, a form of remembrance, leads to , a form of remembrance, leads to

wealth. wealth. • Remembrance of Allah which includes reading the Qur’an is the greatest form Remembrance of Allah which includes reading the Qur’an is the greatest form of worship.of worship.• Teaching children to remember Allah is key to making them noble, happy, and Teaching children to remember Allah is key to making them noble, happy, and

successful.successful.• It is a great blessing to mention Allah’s Name.It is a great blessing to mention Allah’s Name.• A Muslim should focus on what the Prophet(s) taught us to say.A Muslim should focus on what the Prophet(s) taught us to say.• Allah is the Greatest Name of the Almighty(swt).Allah is the Greatest Name of the Almighty(swt).

Surat Al Fatiha - Chapter 1 continuedSurat Al Fatiha - Chapter 1 continued

• 22ndnd AyahAyah: : ين ل م� ـ� ع ب� ٱل� � ر � د� ل� م� ح ين ٱل� ل م� ـ� ع ب� ٱل� � ر � د� ل� م� ح ٱل�• ““Praise be to Allah, the Lord of the worlds.”Praise be to Allah, the Lord of the worlds.”• This This ayah ayah represents represents Shukr Shukr - Gratitude- Gratitude, which is the 2, which is the 2ndnd Law of Wealth. Law of Wealth.• ThikrThikr + + ShukrShukr or Remembrance and Gratitude are the mission of the or Remembrance and Gratitude are the mission of the

Muslim.Muslim.• This law is explained further in Suwar: 2, 12, 22, 32, 42, 52, 62, 72, 82, 92, This law is explained further in Suwar: 2, 12, 22, 32, 42, 52, 62, 72, 82, 92,

102, 112.102, 112.• For example, in Surat Yusuf (12:101) a grateful Joseph(as) statesFor example, in Surat Yusuf (12:101) a grateful Joseph(as) states his wish to die as a Muslim and to be admitted among the righteous. his wish to die as a Muslim and to be admitted among the righteous. • Gratitude is the most important quality of a human being. (Surat Saba Gratitude is the most important quality of a human being. (Surat Saba

34:13)34:13)• Salah, ZakahSalah, Zakah, , Sawm, Sawm, and and HajjHajj are all forms of gratitude towards are all forms of gratitude towards

Allah(swt). Allah(swt).

Surat Al Fatiha - Chapter 1 continuedSurat Al Fatiha - Chapter 1 continued

• 33rdrd AyahAyah: : يم� ح� ن� ٱلر� ـ� م ح� ح�يم�ٱلر� ن� ٱلر� ـ� م ح� ٱلر�• ““The Most Merciful, the Most Gracious.”The Most Merciful, the Most Gracious.”• This This ayah ayah represents represents SuccessSuccess; the 3rd Law of Wealth.; the 3rd Law of Wealth.• It is through the Mercy of Allah Almighty that we realize our It is through the Mercy of Allah Almighty that we realize our

ultimate success which is entering ultimate success which is entering JannahJannah..• Islam is a success-oriented faith. You’re called to succeed at least 30 Islam is a success-oriented faith. You’re called to succeed at least 30

times a day in the times a day in the athaanathaan and and iqamah iqamah (call to prayer).(call to prayer).• This law is explained further in Suwar: 3, 13, 23, 33, 43, 53, 63, 73, This law is explained further in Suwar: 3, 13, 23, 33, 43, 53, 63, 73,

83, 93, 103, 113.83, 93, 103, 113.• Success is best defined in Surat Al ‘Asr (103) as: faith, good deeds, Success is best defined in Surat Al ‘Asr (103) as: faith, good deeds,

truth, and perseverance.truth, and perseverance.

Surat Al Fatiha - Chapter 1 ContinuedSurat Al Fatiha - Chapter 1 Continued

• 44thth AyahAyah: : ين� م� ٱلد� و� ل�ك� ي ـ� ين�م م� ٱلد� و� ل�ك� ي ـ� م• ““Owner of the Day of Judgment.”Owner of the Day of Judgment.”• ThisThis ayah ayah represents represents WisdomWisdom; which is the 4; which is the 4thth Law of Wealth Law of Wealth• The The ayah ayah establishes the fact that we are certainly going to stand before Allah on establishes the fact that we are certainly going to stand before Allah on

the Judgment Day.the Judgment Day.• This belief creates in the heart and mind of a Muslim This belief creates in the heart and mind of a Muslim taqwataqwa (a fear of God) (a fear of God)

which is the highest level of wisdom. To fear Allah(swt) is to run towards Him!which is the highest level of wisdom. To fear Allah(swt) is to run towards Him!• Fearing God allows people to calculate their moves and what they say and do.Fearing God allows people to calculate their moves and what they say and do.• Wisdom is defined as: “Doing the right thing”Wisdom is defined as: “Doing the right thing”• This law is explained further in Suwar: 4, 14, 24, 34, 44, 54, 64, 74, 84, 94, 104, This law is explained further in Suwar: 4, 14, 24, 34, 44, 54, 64, 74, 84, 94, 104,

114.114.• For example, in Surat An-Nisa' (4: 1), Allah(swt) implies that For example, in Surat An-Nisa' (4: 1), Allah(swt) implies that taqwa, taqwa, which leads which leads

to wisdom, is key to a great family life! to wisdom, is key to a great family life!

Surat Al Fatiha - Chapter 1 continuedSurat Al Fatiha - Chapter 1 continued

• 55thth Ayah: Ayah: ين� ع� ت س� إ�ي�اك ن ب�د� و ع� ين�إ�ي�اك ن ع� ت س� إ�ي�اك ن ب�د� و ع� إ�ي�اك ن• ““We worship only you O Allah, and Your aid we seek.”We worship only you O Allah, and Your aid we seek.”• This This ayahayah represents represents JusticeJustice; ; which is the Fifth Law of Wealth.which is the Fifth Law of Wealth.• The The ayahayah mentions a relationship; a covenant between the servant and the mentions a relationship; a covenant between the servant and the

Almighty(swt), in which the aid of Allah is maximized when a human being Almighty(swt), in which the aid of Allah is maximized when a human being serves Allah.serves Allah.

• Allah(swt) will fulfill His end of the contract if we fulfill ours.Allah(swt) will fulfill His end of the contract if we fulfill ours.• This law is explained further in Suwar: 5, 15, 25, 35, 45, 55, 65, 75, 85, 95, 105.This law is explained further in Suwar: 5, 15, 25, 35, 45, 55, 65, 75, 85, 95, 105.• For example, in Surat Al Maida (5: 8) the believers are admonished to standFor example, in Surat Al Maida (5: 8) the believers are admonished to stand for the sake of Allah as just witnesses. for the sake of Allah as just witnesses. • A just nation will be victorious regardless of its faith. (Ibn Taymiyyah(ra))A just nation will be victorious regardless of its faith. (Ibn Taymiyyah(ra))

Surat Al Fatiha - Chapter 1 continuedSurat Al Fatiha - Chapter 1 continued• 66thth AyahAyah: : ق�يم ت م�س� ٲط ٱل� ر ا ٱلص� ن د� ق�يم ٱه� ت م�س� ٲط ٱل� ر ا ٱلص� ن د� ٱه�• ““Guide us to the straight path.”Guide us to the straight path.”• This This ayah ayah represents represents KnowledgeKnowledge;; which is The Sixth Law of Wealth. which is The Sixth Law of Wealth.• This This dua’ dua’ (suppplication) is the most important in the Qur’an. That’s why (suppplication) is the most important in the Qur’an. That’s why

it is in Surat Al Fatiha.it is in Surat Al Fatiha.• This law is explained further in Suwar: 6, 16, 26, 36, 46, 56, 66, 76, 86, This law is explained further in Suwar: 6, 16, 26, 36, 46, 56, 66, 76, 86,

96, 106.96, 106.• For example, in Surat Al An’am (6: 83-90) Allah(swt) mentions some of For example, in Surat Al An’am (6: 83-90) Allah(swt) mentions some of

the Prophets that He chose, guided to the straight path, favored with the Prophets that He chose, guided to the straight path, favored with revelations, authority, and Prophethood. revelations, authority, and Prophethood.

• Everything that is good in the world today is the fruit of Everything that is good in the world today is the fruit of followingfollowing Prophets’ knowledge and instructions. Every evil is due to the lack Prophets’ knowledge and instructions. Every evil is due to the lack thereof.thereof.

• We need Allah’s guidance in the hundreds of decisions we make everyday. We need Allah’s guidance in the hundreds of decisions we make everyday. It is essential to remember this when we recite this It is essential to remember this when we recite this ayah.ayah.

Surat Al Fatiha - Chapter 1 continuedSurat Al Fatiha - Chapter 1 continued• 77thth A Ayahyah: : ا%ل�ين ل ٱلض� م� و ه� ل ي� وب� ع ض� غ� م ر� ٱل� ي� م� غ ه� ل ي� ت ع م� ع ين أ ن� ٲط ٱل�ذ� ر ا%ل�ينص� ل ٱلض� م� و ه� ل ي� وب� ع ض� غ� م ر� ٱل� ي� م� غ ه� ل ي� ت ع م� ع ين أ ن� ٲط ٱل�ذ� ر ص�• ““The path of those on whom You bestowed Your Grace, not those The path of those on whom You bestowed Your Grace, not those

who earned Your Wrath, nor those who go astray.”who earned Your Wrath, nor those who go astray.”• This This ayahayah represents the 7 represents the 7thth, 8, 8thth, 9, 9thth, and 10, and 10thth Laws of Wealth. Laws of Wealth.• The 7The 7thth Law of Wealth is Law of Wealth is WorshipWorship..• The way of those Allah Bestowed His Blessings upon, is continuous The way of those Allah Bestowed His Blessings upon, is continuous

worship of Allah.worship of Allah.• The Prophets, the righteous, and the noble servants of Allah The Prophets, the righteous, and the noble servants of Allah

Almighty throughout the history of humanity, served Allah(swt) Almighty throughout the history of humanity, served Allah(swt) with total devotion and sacrifice.with total devotion and sacrifice.

• This law is explained further in Suwar: 7, 17, 27, 37, 47, 57, 67, 77, This law is explained further in Suwar: 7, 17, 27, 37, 47, 57, 67, 77, 87, 97, 107.87, 97, 107.

• For example, in Surat Al ‘Isra (17:3) Allah(swt) mentioned Noah(as) For example, in Surat Al ‘Isra (17:3) Allah(swt) mentioned Noah(as) as a grateful servant of Allah.as a grateful servant of Allah.

Surat Al Fatiha - Chapter 1 continuedSurat Al Fatiha - Chapter 1 continued• The 7The 7thth Ayah Ayah continued. . .continued. . .• ““Those on whom you Bestowed your Grace.”Those on whom you Bestowed your Grace.”• This portion of the This portion of the ayahayah represents the 8 represents the 8thth Law of Wealth Law of Wealth

which is: which is: AbundanceAbundance..• Abundance is the foundation of Islamic Economics.Abundance is the foundation of Islamic Economics. See: (2:29), (7:96), (16:96), (72:16)See: (2:29), (7:96), (16:96), (72:16)• This law is explained further in Suwar: 8, 18, 28, 38, 48, This law is explained further in Suwar: 8, 18, 28, 38, 48,

58, 68, 78, 88, 98, 108.58, 68, 78, 88, 98, 108.• For example, in Surat Al Kahf (18) we see four stories of For example, in Surat Al Kahf (18) we see four stories of

abundance: faith, wealth, knowledge, and power. abundance: faith, wealth, knowledge, and power.

Surat Al Fatiha - Chapter 1 continuedSurat Al Fatiha - Chapter 1 continued• 77thth Ayah Ayah continued. . .continued. . .• The The ayah ayah describes a describes a siraat siraat (path) that has been trodden upon by (path) that has been trodden upon by

leaders.leaders.• The leaders have been described in Surat An-Nisa' (4: 69). The leaders have been described in Surat An-Nisa' (4: 69). • The 9The 9thth Law of Wealth is: Law of Wealth is: LeadershipLeadership..• Leadership is to be responsible!Leadership is to be responsible!• This law is explained further in Suwar: 9, 19, 29, 39, 49, 59, 69, 79, This law is explained further in Suwar: 9, 19, 29, 39, 49, 59, 69, 79,

89, 99, 109.89, 99, 109.• The best definition of a leader is mentioned in Surat At-Taubah The best definition of a leader is mentioned in Surat At-Taubah

(9:128).(9:128).• Personal leadership is defined in Surat Az-Zalzalah (99: 7-8): taking Personal leadership is defined in Surat Az-Zalzalah (99: 7-8): taking

one step towards goodness, and one step away from evil, everyday.one step towards goodness, and one step away from evil, everyday.

Surat Al Fatiha - Chapter 1 continuedSurat Al Fatiha - Chapter 1 continued• 77thth AyahAyah• The The ayahayah mentions three groups: mentions three groups:• One that is favored by Allah(swt). They are the ones who know and put their One that is favored by Allah(swt). They are the ones who know and put their

knowledge to action. knowledge to action. • One that has earned His anger. They are the ones who know but do not apply.One that has earned His anger. They are the ones who know but do not apply.• One that goes astray. They do not take time to learn, and insist on ignoring the One that goes astray. They do not take time to learn, and insist on ignoring the

signs of Allah(swt).signs of Allah(swt).• In studying history we find that unity has always been a determining factor for In studying history we find that unity has always been a determining factor for

any group of people becoming influential.any group of people becoming influential.• A disunited nation will not be able to attain greatness or maintain it.A disunited nation will not be able to attain greatness or maintain it.• Therefore Therefore UnityUnity is the 10is the 10thth Law of Wealth. Law of Wealth. • It is further explained in Suwar: 10, 20, 30, 40, 50, 60, 70, 80, 90, 100, 110.It is further explained in Suwar: 10, 20, 30, 40, 50, 60, 70, 80, 90, 100, 110.• For example, in Surat Yunus 10: 87, Allah(swt) instructs Moses(as) and his For example, in Surat Yunus 10: 87, Allah(swt) instructs Moses(as) and his

brother Harun(as) (Aaron) to establish a community in Egypt for their people, to brother Harun(as) (Aaron) to establish a community in Egypt for their people, to unite and share resources, to revive the spirit of prayer in their homes, and to unite and share resources, to revive the spirit of prayer in their homes, and to remain optimistic. remain optimistic.

Surat Al Fatiha - Chapter 1 continuedSurat Al Fatiha - Chapter 1 continued

• Surat Al Fatiha summarizes the whole Qur’an. Surat Al Fatiha summarizes the whole Qur’an. This has been proven in this research, This has been proven in this research, al al hamdulillah.hamdulillah.

• The 1The 1stst ayahayah summarizes Surat Al Fatiha. This is an summarizes Surat Al Fatiha. This is an upcoming research topic, upcoming research topic, insha’Allahinsha’Allah. .

Ten Laws of WealthTen Laws of Wealth

• 11stst Remembrance Remembrance• 22ndnd Gratitude Gratitude• 33rdrd Success Success• 44thth Wisdom Wisdom• 55thth Justice Justice

• 66thth Knowledge Knowledge• 77thth Worship Worship• 88thth Abundance Abundance• 99thth Leadership Leadership• 1010thth Unity Unity

A Very Important Observation!A Very Important Observation!

• Not only do the Not only do the suwar suwar (chapters) of the Qur’an follow this order of (chapters) of the Qur’an follow this order of the ten laws. . . the ten laws. . .

• The The ayaat ayaat (verses) also follow the same order!(verses) also follow the same order!• So in any given surah, you will see that. . . So in any given surah, you will see that. . . Ayah Ayah 1 has remembrance as a theme. For example when we recite 1 has remembrance as a theme. For example when we recite

“Alif-Lam-Meem”, we gain 30 “Alif-Lam-Meem”, we gain 30 hasanat hasanat as our Prophet(s) said. as our Prophet(s) said. Similarly, Similarly, Ayah Ayah 2 has gratitude as a theme, 2 has gratitude as a theme, Ayah Ayah 3 has success as a 3 has success as a theme, and so on till theme, and so on till Ayah Ayah 1010,, which is unity. which is unity.

• The pattern can be found in all subsequent The pattern can be found in all subsequent ayaat ayaat (i.e., 11-20, 21- 30, (i.e., 11-20, 21- 30, 81-90, 201-210) and so on.81-90, 201-210) and so on.

Another Important Observation . . .Another Important Observation . . .

• Since the Qur’an is essentially a book of blessings, eternal Since the Qur’an is essentially a book of blessings, eternal life, goodness, and mercy, it also includes warnings against life, goodness, and mercy, it also includes warnings against disbelief, evil, and lack of compassion. disbelief, evil, and lack of compassion.

• We see the laws (themes) and their opposites explained.We see the laws (themes) and their opposites explained.• 11stst Remembrance 1 Remembrance 1stst Negligence Negligence• 22ndnd Gratitude 2 Gratitude 2ndnd Ingratitude Ingratitude • 33rdrd Success 3 Success 3rdrd Failure Failure• 44thth Wisdom 4 Wisdom 4thth Foolishness Foolishness• 55thth Justice 5 Justice 5thth Oppression Oppression

Opposing themes continued. . .Opposing themes continued. . .

• 66thth Knowledge 6 Knowledge 6thth Ignorance Ignorance• 77thth Worship 7 Worship 7thth Idolatry Idolatry• 88thth Abundance 8 Abundance 8thth Scarcity Scarcity • 99thth Leadership 9 Leadership 9thth Irresponsibility Irresponsibility• 1010thth Unity 10 Unity 10thth Disunity Disunity

Ten Laws of WealthTen Laws of Wealth

• Remember Allah(swt) at all times.Remember Allah(swt) at all times.• Be grateful even for the smallest favors.Be grateful even for the smallest favors.• Think success! Failure is not an option.Think success! Failure is not an option.• Wisdom is doing the right thing.Wisdom is doing the right thing.• Be Just! Work towards justice for everyone regardless of creed.Be Just! Work towards justice for everyone regardless of creed.• Seek knowledge every day.Seek knowledge every day.• Worship Allah(swt) by following the Worship Allah(swt) by following the SunnahSunnah of the Prophet(s). of the Prophet(s).• Think abundance! Be generous. Beware of scarcity mentality.Think abundance! Be generous. Beware of scarcity mentality.• Leadership is being responsible.Leadership is being responsible.• Work towards unity. Build consensus.Work towards unity. Build consensus.

والحمد ل رب العالمينوالحمد ل رب العالمين

Richardson, TexasRichardson, TexasSafar 1433Safar 1433

January 2012January 2012

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ALL RIGHTS RESERVEDALL RIGHTS RESERVED