فَإِن لَّمْ تَفْعَلُوا۟ فَأْذَنُوا۟ بِحَرْبٍ مِّنَ ٱللَّهِ وَرَسُولِهِۦ ۖ وَإِن تُبْتُمْ فَلَكُمْ رُءُوسُ أَمْوَٰلِكُمْ لَا تَظْلِمُونَ وَلَا تُظْلَمُونَ 279
Translations
And if you do not, then be informed of a war [against you] from Allāh and His Messenger. But if you repent, you may have your principal - [thus] you do no wrong, nor are you wronged.
Transliteration
Fa-in lam taf'alu fa'dhanu bi-harbin min-allahi wa-rasulih. Wa-in tubtum fa-lakum ru'usu amwalikum la tazlimun wa-la tuzlamun.
Tafsir (Explanation)
This ayah concludes the verses on riba (usury/interest) by warning those who persist in taking riba to expect war from Allah and His Messenger, while offering them an opportunity for repentance with the promise that they will receive only their principal capital back without any increase or loss. Classical scholars like Ibn Kathir explain that this severe warning underscores the gravity of the riba transaction and its incompatibility with Islamic financial ethics, while the clause about repentance demonstrates Allah's mercy and the possibility of forgiveness for those who turn back from this practice.
Revelation Context
This ayah is part of the comprehensive Quranic treatment of riba revealed in Madinah (2:275-279), which built upon earlier Makkan warnings about riba. It was revealed during the period of establishing Islamic financial principles in the nascent Muslim community, addressing both spiritual corruption and practical economic injustice inherent in exploitative lending practices.
Related Hadiths
The Prophet (peace be upon him) cursed the one who takes riba, the one who gives it, the one who witnesses it, and the one who records it (Sunan Ibn Majah, Sunan at-Tirmidhi). Additionally, in his Farewell Pilgrimage, the Prophet explicitly declared all riba transactions null and void, emphasizing that 'the most wicked riba is to wrong someone's honor' (Sahih Muslim).
Themes
Key Lesson
This ayah teaches that financial exploitation through riba is so spiritually corrupting that it invites divine displeasure, yet it also emphasizes that sincere repentance is always possible; for modern believers, this highlights the importance of ethical financial conduct and the opportunity to rectify past wrongs through genuine remorse and changed behavior.
Related Ayahs
وَلَمَّا جَآءَهُمْ كِتَـٰبٌ مِّنْ عِندِ ٱللَّهِ مُصَدِّقٌ لِّمَا مَعَهُمْ وَكَانُوا۟ مِن قَبْلُ يَسْتَفْتِحُونَ عَلَى ٱلَّذِينَ كَفَرُوا۟ فَلَمَّا جَآءَهُم مَّا عَرَفُوا۟ كَفَرُوا۟ بِهِۦ ۚ فَلَعْنَةُ ٱللَّهِ عَلَى ٱلْكَـٰفِرِينَ
And when there came to them a Book [i.e., the Qur’ān] from Allāh confirming that which was with them - although before they used to pray for victory against those who disbelieved - but [then] when there came to them that which they recognized, they disbelieved in it; so the curse of Allāh will be upon the disbelievers.
ٱلَّذِينَ يُنفِقُونَ أَمْوَٰلَهُمْ فِى سَبِيلِ ٱللَّهِ ثُمَّ لَا يُتْبِعُونَ مَآ أَنفَقُوا۟ مَنًّا وَلَآ أَذًى ۙ لَّهُمْ أَجْرُهُمْ عِندَ رَبِّهِمْ وَلَا خَوْفٌ عَلَيْهِمْ وَلَا هُمْ يَحْزَنُونَ
Those who spend their wealth in the way of Allāh and then do not follow up what they have spent with reminders [of it] or [other] injury will have their reward with their Lord, and there will be no fear concerning them, nor will they grieve.
إِنَّمَا يَأْمُرُكُم بِٱلسُّوٓءِ وَٱلْفَحْشَآءِ وَأَن تَقُولُوا۟ عَلَى ٱللَّهِ مَا لَا تَعْلَمُونَ
He only orders you to evil and immorality and to say about Allāh what you do not know.
وَلَتَجِدَنَّهُمْ أَحْرَصَ ٱلنَّاسِ عَلَىٰ حَيَوٰةٍ وَمِنَ ٱلَّذِينَ أَشْرَكُوا۟ ۚ يَوَدُّ أَحَدُهُمْ لَوْ يُعَمَّرُ أَلْفَ سَنَةٍ وَمَا هُوَ بِمُزَحْزِحِهِۦ مِنَ ٱلْعَذَابِ أَن يُعَمَّرَ ۗ وَٱللَّهُ بَصِيرٌۢ بِمَا يَعْمَلُونَ
And you will surely find them the most greedy of people for life - [even] more than those who associate others with Allāh. One of them wishes that he could be granted life a thousand years, but it would not remove him in the least from the [coming] punishment that he should be granted life. And Allāh is Seeing of what they do.