Articles

The Reality of Faith (Al-Iman)
Author : Dr. Hassan Abu_Arqoub
Date Added : 30-03-2026

The Reality of Faith (Al-Iman)

 

Allah the Almighty sent the Archangel Gabriel (Jibril) to ask the Prophet ﷺ essential questions as a means of teaching the Ummah. Among these was the pivotal question: "What is Iman (Faith)?" To understand our religion, we must take a focused look at the meaning of faith and the scholarly nuances surrounding it.

In essence, Iman is the heart’s internal conviction (Tasdiq) in everything brought by our Master Muhammad ﷺ that is "necessarily known to be part of the religion" (Ma’lum min al-din bi al-darurah). These are matters so fundamental that they require no complex deduction, such as the obligation of Prayer, Fasting, Zakat, and Hajj, or the prohibition of usury, adultery, gambling, injustice, and alcohol.

Iman is the very first obligation upon a morally and legally responsible person (Mukallaf). Its foundation is the heart’s affirmation, free from doubt or hesitation, coupled with "submission and compliance" (Idh’an) to the truth of the Prophet’s message.

The primary evidence that faith is an act of the heart is Allah’s statement: "Those—He has written faith in their hearts." [Al-Mujadilah/22]. This verse, among many other textual proofs, demonstrates that the true location of faith is the heart.

One might ask: What about the famous definition by some scholars that faith is "speech by the tongue, conviction by the heart, and action by the limbs"?

The answer is that this is a description of the perfection of faith (Kamal al-Iman), not its minimum requirement for validity (Asl al-Iman). While the heart’s conviction is the root, the declaration of the Two Testimonies (Shahadatayn) and the performance of good deeds are the fruits that complete and perfect it.

Pronouncing the Shahadah is a condition for applying worldly legal rulings to a person (such as marriage, inheritance, and burial in Muslim cemeteries). It is not technically a "part" or "pillar" of the internal reality of faith itself.

The Mute or Incapable: If someone truly believes in their heart but is physically unable to speak (due to a condition like being mute), they are saved in the sight of Allah.

The Silent Believer: If a person recognizes the truth and submits in their heart but passes away before anyone asks them to testify—provided they weren't stubborn or refusing—they are a believer before Allah, though they were not treated as Muslims in this life because they never voiced their belief.

The Stubborn Refuser: If someone is asked to testify and refuses out of arrogance or spite (without a valid excuse like fear), they are considered a disbeliever, as their refusal indicates a lack of internal submission.

Born Muslims: A person born to Muslim parents who believes in their heart but neglects to verbally recite the Shahadah is a "sinful Muslim" because they neglected a secondary obligation, but they remain within the fold of Islam.

As Imam Ibn Hajar al-Haytami explained in Al-Tuhfah: "Faith, according to the theologians, has two perspectives: salvation in the Hereafter—which depends solely on internal conviction—and the application of worldly rulings—which depends on the verbal testimony."

Good deeds are not a pillar of faith's existence, but they are the cause of its increase and strength. Faith is dynamic; it increases with obedience and decreases with sin, but the "root" (the conviction in the heart) does not vanish simply due to a sin. Allah says: "The believers are only those who, when Allah is mentioned, their hearts become fearful, and when His verses are recited to them, it increases them in faith..." [Al-Anfal/2].

Based on this understanding, a person who falls short in their religious duties (like someone who misses prayer out of laziness) is not a disbeliever as long as they do not deny that the prayer is obligatory. Similarly, someone who commits a sin (like drinking alcohol out of weakness) is not a disbeliever as long as they do not claim that the sin is "permissible" (Halal). They remain a believer, though their faith is deficient and they are in need of repentance.

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Summarized Fatawaa

What are the Sunnahs and etiquettes recommended for the person offering the Udhiyah?

 
In the Name of Allah, and may peace and blessings be upon our Master, the Messenger of Allah.
 
There are several Sunnahs (prophetic traditions) and etiquettes that are highly recommended for the person offering an Udhiyah (sacrificial offering) to observe:
 
First:
It is a Sunnah for anyone intending to offer a sacrifice to refrain from cutting or removing any of their hair or nails once the first ten days of Dhul-Hijjah begin. This is based on the statement of the Prophet (peace and blessings be upon him): "When the ten days [of Dhul-Hijjah] begin and one of you intends to offer a sacrifice, let him not touch any of his hair or skin." (Narrated by Muslim)
 
However, if someone does happen to remove any hair or nails, they have not committed a sin, and their sacrifice remains perfectly valid.
 
Second:
The person offering the sacrifice should ideally slaughter the animal themselves. If they are unable to do so, they should at least witness its slaughter. This is drawn from what our Master, the Messenger of Allah (peace and blessings be upon him), said to Lady Fatima (may Allah be pleased with her):
 
"Stand up and witness your sacrifice, for with its very first drop of blood, every sin you have committed will be forgiven." (Narrated by Al-Tabarani in his Mu'jam, Al-Hakim in his Mustadrak, and Al-Bayhaqi in his Sunan)
 
Third:
Face the Qiblah (the direction of prayer) at the time of slaughtering, as the Qiblah is the most honorable of directions.
 
Fourth:
Pronounce the name of Allah (Tasmiyah) at the moment of slaughter by saying: "Bismillah ar-Rahman ar-Rahim" (In the Name of Allah, the Most Gracious, the Most Merciful). Even if one forgets to say it, the meat remains lawful (Halal) to eat. Allah, Blessed and Exalted is He, says:
 
"So eat of that [meat] upon which the name of Allah has been mentioned." (Al-An'am: 118)
 
It is also recommended to send blessings upon our Master, the Messenger of Allah (peace and blessings be upon him), and to follow it with the Takbeer (Allahu Akbar).
 
Fifth:
Supplicate for acceptance by saying: "Allahumma hadhihi minka wa ilayka, fa-taqabbal minni" (O Allah, this is a blessing from You and is offered back to You, so please accept it from me). This means: This sacrifice is a blessing that originated from You, and I am offering it to draw closer to You. And Allah the Almighty Knows Best.

What is the ruling of Islamic Law on obtaining financing from Islamic banks by bringing invoices in prior arrangement with the seller, then taking the cash after the financing is approved — with the purpose of settling debts and buying a car?

All praise is due to Allah, and peace and blessings be upon our master, the Messenger of Allah ﷺ.
It appears from the transaction described that its underlying purpose is to obtain cash through resorting to a legal artifice (ḥīlah/tawarruq-style trick), and it is not permissible to engage in such trickery or to coordinate with the various parties merely to obtain liquidity. This is because such artifices bring the sale closer in reality to a ribā-based (usurious) transaction, even if it outwardly appears otherwise.
The Prophet ﷺ said: "Do not commit what the Jews committed, thereby making lawful what Allah has made unlawful through the flimsiest of tricks." This was related by Ibn Baṭṭah in his book Ibṭāl al-Ḥiyal (p. 47), and many scholars have graded it as ḥasan (sound/acceptable).
We have already explained the impermissibility of engaging in such deceptive dealings with Islamic banks in Fatwa No. 516, so please refer to it. And Allah, the Exalted, knows best.

What is the ruling on having an intention (Niyyah) for every prayer?

Praise be to Allah, and peace and blessings be upon our Master, the Messenger of Allah.
 
Intention (Niyyah) is a pillar (Rukn) without which the prayer is not valid. The worshiper must have an intention for every prayer, meaning they must consciously intend the act of worship they are performing. Its timing must coincide with the opening Takbir (Takbirat al-Ihram). It is not a requirement to utter it verbally; rather, doing so is considered a recommended Sunnah. There are three levels of intention:
 
1-If the prayer is obligatory (Fard): It is mandatory to include the Intent (to pray), the Specification (which prayer, e.g., 'Asr), and the Obligation (recognizing it as a Fard). For example, one should bring to mind or say: 'I intend to pray the Fard of 'Asr.'
 
2-If it is a voluntary prayer restricted by a specific time or cause (Sunnah Muqayyadah): It is mandatory to include the Intent and the Specification. For example: 'I intend to pray the Sunnah before Zuhr' or 'I intend to pray Duha.'
 
3-If it is an absolute voluntary prayer (Nafl Mutlaq): It is sufficient to simply have the Intent to pray. For example: 'I intend to pray.'
 
And Allah the Exalted knows best.

Some online stores offer a discount on a customer's first purchase — what is the ruling on creating a new account each time a customer makes a purchase in order to obtain that discount?

All praise is due to Allah, and peace and blessings be upon our master the Messenger of Allah ﷺ.
It is obligatory upon a Muslim to uphold honesty in both his words and his actions. Allah the Almighty says {what means}: "O you who have believed, do not betray Allah and the Messenger or betray your trusts while you know." [Al-Anfāl/ 27] And He says {what means}: "O you who have believed, fear Allah and be with the truthful." [Al-Tawbah/ 119]. And the Messenger of Allah ﷺ said: "Whoever deceives us is not of us." (Reported by al-Bukhārī.)
As for creating a new account for the same buyer, the terms and conditions of the website must be observed and respected. If doing so violates those terms, it is not permissible. And Allah the Almighty knows best.