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
أَوْ كَصَيِّبٍ مِّنَ ٱلسَّمَآءِ فِيهِ ظُلُمَـٰتٌ وَرَعْدٌ وَبَرْقٌ يَجْعَلُونَ أَصَـٰبِعَهُمْ فِىٓ ءَاذَانِهِم مِّنَ ٱلصَّوَٰعِقِ حَذَرَ ٱلْمَوْتِ ۚ وَٱللَّهُ مُحِيطٌۢ بِٱلْكَـٰفِرِينَ
Or [it is] like a rainstorm from the sky within which is darkness, thunder and lightning. They put their fingers in their ears against the thunderclaps in dread of death. But Allāh is encompassing of the disbelievers.
فَإِذَا قَضَيْتُم مَّنَـٰسِكَكُمْ فَٱذْكُرُوا۟ ٱللَّهَ كَذِكْرِكُمْ ءَابَآءَكُمْ أَوْ أَشَدَّ ذِكْرًا ۗ فَمِنَ ٱلنَّاسِ مَن يَقُولُ رَبَّنَآ ءَاتِنَا فِى ٱلدُّنْيَا وَمَا لَهُۥ فِى ٱلْـَٔاخِرَةِ مِنْ خَلَـٰقٍ
And when you have completed your rites, remember Allāh like your [previous] remembrance of your fathers or with [much] greater remembrance. And among the people is he who says, "Our Lord, give us in this world," and he will have in the Hereafter no share.
وَيَسْـَٔلُونَكَ عَنِ ٱلْمَحِيضِ ۖ قُلْ هُوَ أَذًى فَٱعْتَزِلُوا۟ ٱلنِّسَآءَ فِى ٱلْمَحِيضِ ۖ وَلَا تَقْرَبُوهُنَّ حَتَّىٰ يَطْهُرْنَ ۖ فَإِذَا تَطَهَّرْنَ فَأْتُوهُنَّ مِنْ حَيْثُ أَمَرَكُمُ ٱللَّهُ ۚ إِنَّ ٱللَّهَ يُحِبُّ ٱلتَّوَّٰبِينَ وَيُحِبُّ ٱلْمُتَطَهِّرِينَ
And they ask you about menstruation. Say, "It is harm, so keep away from wives during menstruation. And do not approach them until they are pure. And when they have purified themselves, then come to them from where Allāh has ordained for you. Indeed, Allāh loves those who are constantly repentant and loves those who purify themselves."
بِئْسَمَا ٱشْتَرَوْا۟ بِهِۦٓ أَنفُسَهُمْ أَن يَكْفُرُوا۟ بِمَآ أَنزَلَ ٱللَّهُ بَغْيًا أَن يُنَزِّلَ ٱللَّهُ مِن فَضْلِهِۦ عَلَىٰ مَن يَشَآءُ مِنْ عِبَادِهِۦ ۖ فَبَآءُو بِغَضَبٍ عَلَىٰ غَضَبٍ ۚ وَلِلْكَـٰفِرِينَ عَذَابٌ مُّهِينٌ
How wretched is that for which they sold themselves - that they would disbelieve in what Allāh has revealed through [their] outrage that Allāh would send down His favor upon whom He wills from among His servants. So they returned having [earned] wrath upon wrath. And for the disbelievers is a humiliating punishment.