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

I vowed to give a specific charity if a certain matter came to pass — what is the ruling on giving that charity before the matter is realised?

All praise is due to Allah, and peace and blessings be upon our master the Messenger of Allah ﷺ.
Fulfilling a vow (nadhr) is obligatory, in accordance with the word of Allah the Almighty: "And let them fulfil their vows." [Al-Ḥajj/ 29] And the saying of our master the Messenger of Allah ﷺ: "Whoever vows to obey Allah, let him obey Him; and whoever vows to disobey Him, let him not disobey Him." (Reported by al-Bukhārī.)
The Shāfiʿī scholars distinguished between a financial vow (nadhr mālī) and a bodily vow (nadhr badanī). They permitted the fulfilment of a financial vow to be brought forward — before the stipulated condition is met — but did not permit the same for a bodily vow, which may only be fulfilled after the condition has actually been realised.
Shaykh al-Islām Imām Zakariyyā al-Anṣārī, may Allah have mercy upon him, states: "It is permissible to bring forward the fulfilment of a financial vow before the condition stipulated in it is met — such as saying: 'If I am healed, I vow to free a slave' or 'to give such-and-such in charity' — just as it is permissible to pay zakāh in advance. This is unlike a bodily vow, such as fasting." [Asnā al-Maṭālib, vol. 4/P.246]
Imām al-Bājūrī, may Allah have mercy upon him, states: "Like expiation other than fasting, a financial vow — such as saying: 'If Allah heals my sick one, I vow to free a slave for the sake of Allah,' or 'If Allah heals my sick one, I vow to free a slave on the Friday following the recovery' — it is permissible to bring it forward before the recovery in the first case, and before the Friday following the recovery in the second case." [Ḥāshiyat al-Bājūrī ʿalā Sharḥ Ibn Qāsim, Vol.2/P.596] And Allah the Almighty knows best.

What is the ruling on the follower`s prayer if the Imam stands for a fifth rak`ah?

Praise be to Allah, and peace and blessings be upon our Master, the Messenger of Allah.
 
If the Imam stands up for an extra unit (rak‘ah) of prayer out of forgetfulness, he must return to the sitting position as soon as he remembers, and he should perform the prostration of forgetfulness (Sujud al-Sahw). It is the duty of the congregants (Ma’mumin) behind him to remind him. However, if the Imam is in a state of doubt regarding the extra unit (and not certainty), it is not permissible for him to return.
 
As for the congregants: anyone who is certain that the Imam has stood for an extra unit is forbidden from following him. In this case, the follower has two choices: either intend to separate from the Imam (Mufaraqah) and finish the prayer alone, or wait for the Imam in the sitting position and perform the final salams with him—the latter being the preferred option. If a follower knowingly follows the Imam into an extra unit, their prayer becomes invalid. However, if a follower is in doubt and not certain of the mistake, they must continue following the Imam, as the Imam was appointed to be followed.
 
It is stated in Al-Majmu’ (Vol.4/P.145): 'If [the Imam] stands for a fifth rak‘ah, the follower should not follow him, even if it is assumed that the Imam might have omitted a pillar from a previous unit; because if the reality is known, following him is impermissible since the follower has certainly completed their own prayer. Even if the follower had missed a previous unit (Masbuq) or was in doubt about performing a pillar like the Fatihah, and the Imam stood for the fifth, it is not permissible for the latecomer to follow him in it. This is because we know that this unit is not counted for the Imam and that he is mistaken in performing it.' And Allah the Exalted knows best.

Is it permissible to fast the six days of Shawwal before making up for the missed fasts of Ramadan?

● If a person missed fasts due to a valid excuse, they may fast the six days of Shawwal before making up for Ramadan fasts, because qada (makeup fasts) in this case can be delayed, while the six days of Shawwal must be observed within Shawwal.
● However, if a person missed fasts without a valid excuse, they must make up for the missed fasts immediately after Eid, before fasting the six days of Shawwal. If they fast the six days first, it is valid, but they must still make up for the missed Ramadan fasts afterward.
It is also permissible to combine the intention of qada (makeup fasts) and the six days of Shawwal in one fast. However, it is better to fast them separately, as this increases the reward and avoids scholarly disagreement regarding combining intentions.

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.