Note: Some Notes Regarding The Virtues And Importance Of Amaanah Trustworthiness In Islam

بسم الله الرحمن الرحيم 

إنَّ الْحَمْدَ لِلهِ نَحْمَدُهُ وَنَسْتَعِينُهُ وَنَسْتَغْفِرُهُ، وَنَعُوذُ بِاللهِ مِنْ شُرُورِ أَنْفُسِنَا وَمِنْ سَيِّئَاتِ أَعْمَالِنَا، مَنْ يَهْدِهِ اللهُ فَلاَ مُضِلَّ لَهُ، وَمَنْ يُضْلِلْ فَلاَ هَادِىَ لَهُ، وَأَشْهَدُ أَنْ لاَ إِلَهَ إِلاَّ اللهُ وَحْدَهُ لاَ شَرِيكَ لَهُ، وَأَشْهَدُ أَنَّ مُحَمَّدًا عَبْدُهُ وَرَسُولُهُ

The Meaning of “Amanah” (Trust) — Linguistically and in Islamic Law

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First: The Linguistic Meaning

Amanah, in the Arabic language, comes from the root letters (A–M–N), which carry the meanings of:

• Security and tranquility or serenity ("Sakeenah" or "Sakinah" in Arabic language)

• The absence of fear and excessive worry 

• The opposite of betrayal and deception 

It refers to anything that a person is entrusted with — something placed in their care, expected to be protected and preserved.

When we say, “This person is trustworthy,” we mean they are dependable and reliable — they try their best to safeguard what has been entrusted to them and aim to never become somebody who betrays, lies and deceives.

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Second: The Meaning in Islamic Law (Shar‘an)

In Islam, Amanah is not limited to material trust — it is far greater, far deeper, and far more comprehensive.

It encompasses:

• Everything that Allah the Almighty has commanded us to fulfill

• The protection of both the rights of Allah Subhaanahu wa Ta'aala as well as the rights of His creation and servants.

Amanah includes:

• Observing prayers, fasting, and giving charity

• Guarding secrets and confidential matters

• Returning trusts and belongings to their rightful owners - whether Muslim or non-Muslim.

• Speaking truthfully and acting with integrity at all times as much as possible.

• Upholding justice in all dealings whenever one can and must.

Scholars have beautifully summarized it as:
“Amanah is the servant’s commitment to all that Allah the Almighty has commanded, and the safeguarding of everything entrusted to them from among rights and responsibilities.”

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Again...

• Linguistically: Amanah is the opposite of betrayal — it is to faithfully guard what you have been entrusted with.

• In Islamic Law: Amanah is to fulfill every command of Allah, avoid His prohibitions, and deliver every right to whom it belongs.

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In the Noble Qur'an, Allah's Message to all mankind and jinn, Allah Subhaanahu wa Ta'aala has described the faithful believers as being trustworthy. 

Allah the Almighty said in the beginning Ayaat verses of Surah Al-Mu-minoon: 

 قَدْ أَفْلَحَ ٱلْمُؤْمِنُونَ

        The believers (who believed in Allāh and His Messenger, affirmed what he brought and responded to his call) have indeed become successful.

ٱلَّذِينَ هُمْ فِى صَلَاتِهِمْ خَٰشِعُونَ

        Those who within their prayer are humbly submissive (gazing downwards, tranquil, their hearts fearful).

وَٱلَّذِينَ هُمْ عَنِ ٱللَّغْوِ مُعْرِضُونَ

        And those who turn away from (all forms of) futility (such as shirk, disobedience, shameful, evil speech and all that is vain and devoid of benefit in speech and action).

وَٱلَّذِينَ هُمْ لِلزَّكَوٰةِ فَٰعِلُونَ

        And those who engage in purification (of their wealth) through obligatory charity (and their souls from impurities such as shirk and all that is evil).

وَٱلَّذِينَ هُمْ لِفُرُوجِهِمْ حَٰفِظُونَ

        And those who guard their private parts (from zina fornication and adultery and all that leads up to it).

إِلَّا عَلَىٰٓ أَزْوَٰجِهِمْ أَوْ مَا مَلَكَتْ أَيْمَٰنُهُمْ فَإِنَّهُمْ غَيْرُ مَلُومِينَ

        Except from their wives or those their right hands possess (of  captives, slaves), for indeed they are free from blame (for having relations with them).  

       فَمَنِ ٱبْتَغَىٰ وَرَآءَ ذَٰلِكَ فَأُو۟لَٰٓئِكَ هُمُ ٱلْعَادُونَ

 But whoever seeks (evil desires through whatever) is beyond that, then they are the transgressors (who trespass into what is unlawful).

وَٱلَّذِينَ هُمْ لِأَمَٰنَٰتِهِمْ وَعَهْدِهِمْ رَٰعُونَ

        And those who diligently observe their trusts and covenants (regarding Tawḥīd, acts of worship, and their contracts and dealings with each other).

      وَٱلَّذِينَ هُمْ عَلَىٰ صَلَوَٰتِهِمْ يُحَافِظُونَ

And those who guard over their  (obligatory) prayers (in their appointed times, with humility and perfection in reciting, bowing, prostrating and supplicating with what is legislated). 

Www.TheNobleQuran.com

Alhamdulillah. From those beautiful Ayaat verses of the Noble Qur'an we learn that Zidrah Assist is Inn-sha-Allah a blessing for many of us Muslimaat and Mu-minaat here in the Philippines and globally who seek to earn halal income not only to survive in this temporary dunya and ensure we can pay all our debts but also to gradually earn more halal sustenance until we are qualified Inn-sha-Allah to fulfill one of the five pillars of Islam which is to pay Zakah the obligatory charity every year. Charity is indeed one of the good deeds which can make us from those whom Allah the Most Merciful always guides and loves. 

Allah the Almighty said in Surah Aal-'Imraan: 

وَسَارِعُوٓا۟ إِلَىٰ مَغْفِرَةٍ مِّن رَّبِّكُمْ وَجَنَّةٍ عَرْضُهَا ٱلسَّمَٰوَٰتُ وَٱلْأَرْضُ أُعِدَّتْ لِلْمُتَّقِينَ

And hasten to forgiveness from your Lord and a garden as wide as the heavens and earth, prepared for the righteous.

ٱلَّذِينَ يُنفِقُونَ فِى ٱلسَّرَّآءِ وَٱلضَّرَّآءِ وَٱلْكَٰظِمِينَ ٱلْغَيْظَ وَٱلْعَافِينَ عَنِ ٱلنَّاسِ وَٱللَّهُ يُحِبُّ ٱلْمُحْسِنِينَ

Who spend [in the cause of Allah] during ease and hardship and who restrain anger and who pardon the people - and Allah loves the doers of good. 

~•~

Another way to join those faithful believers whom Allah the Almighty loves is by obeying His Commands and striving to follow and obey His beloved Messenger Muhammad SallAllahu 'alaihi wa sallam. 

Allah the Almighty said in Surah An-Nisaa Ayah 58:

إِنَّ ٱللَّهَ يَأْمُرُكُمْ أَن تُؤَدُّوا۟ ٱلْأَمَٰنَٰتِ إِلَىٰٓ أَهْلِهَا وَإِذَا حَكَمْتُم بَيْنَ ٱلنَّاسِ أَن تَحْكُمُوا۟ بِٱلْعَدْلِ إِنَّ ٱللَّهَ نِعِمَّا يَعِظُكُم بِهِۦٓ إِنَّ ٱللَّهَ كَانَ سَمِيعًۢا بَصِيرًا

Indeed, Allah commands you to render trusts to whom they are due and when you judge between people to judge with justice. Excellent is that which Allah instructs you. Indeed, Allah is ever Hearing and Seeing.

And then in Surah Aal-'Imraan Ayah number 31, Allah the Almighty said: 

قُلْ إِن كُنتُمْ تُحِبُّونَ ٱللَّهَ فَٱتَّبِعُونِى يُحْبِبْكُمُ ٱللَّهُ وَيَغْفِرْ لَكُمْ ذُنُوبَكُمْ وَٱللَّهُ غَفُورٌ رَّحِيمٌ

Say, [O Muhammad SallAllahu 'alaihi wa sallam], "If you should love Allah, then follow me, [so] Allah will love you and forgive you your sins. And Allah is Forgiving and Merciful."

Allah the Almighty also said in Surah Al-Hashr Ayah number 7:

مَّآ أَفَآءَ ٱللَّهُ عَلَىٰ رَسُولِهِۦ مِنْ أَهْلِ ٱلْقُرَىٰ فَلِلَّهِ وَلِلرَّسُولِ وَلِذِى ٱلْقُرْبَىٰ وَٱلْيَتَٰمَىٰ وَٱلْمَسَٰكِينِ وَٱبْنِ ٱلسَّبِيلِ كَىْ لَا يَكُونَ دُولَةًۢ بَيْنَ ٱلْأَغْنِيَآءِ مِنكُمْ وَمَآ ءَاتَىٰكُمُ ٱلرَّسُولُ فَخُذُوهُ وَمَا نَهَىٰكُمْ عَنْهُ فَٱنتَهُوا۟ وَٱتَّقُوا۟ ٱللَّهَ إِنَّ ٱللَّهَ شَدِيدُ ٱلْعِقَابِ

...Whatever the Messenger Muhammad SallAllahu 'alaihi wa sallam gives you (from the wealth that you deserve) (or: of a command and instruction), take it, and whatever he SallAllahu 'alaihi wa sallam prohibits you from, refrain (from it). And fear Allāh, indeed, Allāh is severe in punishment.

One of the things which the noble Prophet Muhammad SallAllahu 'alaihi wa sallam forbade us from and warned us against is lying and deception.

Abdullah ibn Mas'ud RadhiAllahu 'anhuma narrated that...

The Prophet Muhammad SallAllahu 'alaihi wa sallam said:
“Truthfulness leads to righteousness, and righteousness leads to Paradise. A man keeps telling the truth until he becomes a truthful person.
Falsehood leads to wickedness, and wickedness leads to the Fire. A man keeps telling lies until he is written as a liar before Allah.”

Source: Sahih al-Bukhari (6094), Sahih Muslim (2607) 

And in another Hadith...

Abu Bakrah RadhiAllahu 'anhu narrated:

The Prophet ﷺ said:
“Shall I not inform you of the greatest of major sins?” (repeated three times)
They said: “Yes, O Messenger of Allah.”
He said: “Associating partners with Allah and disobedience to parents.”
Then he sat up and said:
“And false speech and false testimony!”
He kept repeating it until we wished he would stop.

Source: Sahih al-Bukhari (2654), Sahih Muslim (87) 

Being a witness to falsehood and actively or knowingly taking part in any scam or deceitful transaction are from the sins which we true Muslims must avoid. 

Narrated by Hakim ibn Hizam RadhiAllahu 'anhu:

The Prophet ﷺ said:
“The buyer and the seller have the option (to cancel) as long as they have not separated. If they are truthful and clear, they will be blessed in their transaction. But if they lie and conceal, the blessing of their sale will be erased.”

Source: Sahih al-Bukhari (2079), Sahih Muslim (1532) 

There is no blessing and no barakah in any business, transaction and agreement which involves even a small amount of lying and deceit. 

3 examples of deceit and hypocrisy which we Muslims must avoid as much as we can: 

1. Intentionally slacking at work and neglecting your responsibilities without valid excuse. Deliberately arriving in the workplace late or delaying your assignment of logging in on purpose and then going home too early or signing out too soon before the actual timing of dismissal can be examples of deception.

2. Consistently hanging up on clients and refusing to take important calls without rational reasons to avoid them. 

3. Not taking your job seriously and not fixing your errors when some mistakes are made. For instance, not double checking if the name of a client was spelled correctly or not, refusing to review your notes and data you encoded just because you're not in the mood to be cooperative.

Let us now learn what it means to have and show Amaanah or trustworthiness from one of the true stories from the life of the caliph 'Umar bin Al-Khattab RadhiAllahu 'anhu:

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The Milk and Water Story (Amaanah in Secret)

One night, Umar ibn al-Khattab RadhiAllahu 'anhu was walking through the streets of Madinah to check on his community. As he passed by a house, he overheard a conversation between a mother and her daughter.

The mother said:
“Mix water with the milk so we can sell more.”

The daughter replied:
“Mother, the Leader of the Believers has forbidden us from doing that.”

The mother said:
“Umar ibn al-Khattab cannot see us now.”

The daughter answered with sincerity:
“If Umar ibn al-Khattab cannot see us, then surely Allah can see us.”

Umar ibn al-Khattab was deeply moved by her honesty. The next day, he called his sons and told them about the girl’s strong character and fear of Allah.

He then arranged for her to marry his son Asim ibn Umar.

From this blessed marriage came a righteous lineage, including the great Caliph Umar ibn Abd al-Aziz RadhiAllahu 'anhu - one of the notable and pious descendants of 'Umar bin Al-Khattab RadhiAllahu 'anhuma.

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Lesson

This story shows that:

• True amānah is being honest even when no one is watching

• Fear of Allah is stronger than fear of people

• Small acts of honesty can lead to great blessings

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An example of a situation from the lifetime of the beloved Prophet Muhammad SallAllahu 'alaihi wa sallam related to the importance of staying honest and truthful particularly regarding business and entrepreneurship is:

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 The Market Incident (Honesty in Trade)

The beloved Messenger Muhammad ﷺ once passed by a man selling a heap of food (grain). He put his hand into it and found that the inside was wet.

He ﷺ said:
“What is this, O seller of food?”

The man replied:
“It was touched by rain, O Messenger of Allah.”

The Prophet ﷺ said:
“Why did you not put it on top so people could see it?”

Then he gave a clear warning:
“Whoever deceives us is not from us.”

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Source

• Sahih Muslim (Hadith 102)

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Key Lesson

• Hiding defects in business is a form of deception

• True amānah means being transparent, even if it reduces profit

• Islam emphasizes honesty in all transactions, not just worship

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5 Reasons why we Muslims must value amaanah trustworthiness in Islam: 

1. To obey Allah the Almighty when He Subhaanahu wa Ta'aala said in Surah At-Tawbah Ayah 119:

يَٰٓأَيُّهَا ٱلَّذِينَ ءَامَنُوا۟ ٱتَّقُوا۟ ٱللَّهَ وَكُونُوا۟ مَعَ ٱلصَّٰدِقِينَ

 O you who have believed, fear Allah and be with those who are true.

2. To obey Allah's noble Messenger Muhammad SallAllahu 'alaihi wa sallam in abstaining from everything which he SallAllahu 'alaihi wa sallam warned us against and one of the things he SallAllahu 'alaihi wa sallam disliked and prohibited us from is deception or lying.

Abdullah ibn Mas’ud RadhiAllahu 'anhuma narrated: The Messenger of Allah, peace and blessings be upon him, said, “You must be truthful. Verily, truthfulness leads to righteousness and righteousness leads to Paradise. A man continues to be truthful and encourages honesty until he is recorded with Allah as truthful. And beware of falsehood. Verily, falsehood leads to wickedness and wickedness leads to the Hellfire. A man continues to tell lies and encourages falsehood until he is recorded with Allah as a liar.”

Source: Ṣaḥīḥ al-Bukhārī 6094, Ṣaḥīḥ Muslim 2607

Grade: Muttafaqun Alayhi (authenticity agreed upon) according to Al-Bukhari and Muslim 

3. Another reason for us Muslims to value truthfulness, amaanah and integrity is to maintain harmony among Muslim communities. The more Muslims stay away from deceiving any fellow human being whether Muslim or non-Muslim, the more likely Muslim communities can thrive and flourish not only spiritually, faithfully and morally but also financially and economically. 

4. To strive to emulate and copy one of the beautiful traits of the beloved Messenger Muhammad SallAllahu 'alaihi wa sallam in being truthful and trustworthy as one of his nicknames besides "Abu Al-Qaasim" is "As-Saadiq" meaning "the honest / the truthful" and "Al-Ameen" meaning "the trustworthy". 

5. To avoid being from those humans who cause harm to other individuals. 

True Muslims stay away from any form of injustice/dhulm and oppression. 

Abu Sa’eed Al-Khudri RadhiAllahu 'anhu narrated: The Messenger of Allah, peace and blessings be upon him, said, “Do not cause harm or return harm. Whoever harms others, Allah will harm him. Whoever is harsh with others, Allah will be harsh with him.”

Source: al-Sunan al-Kubrá lil-Bayhaqī 11384

Grade: Hasan (fair) according to Al-Albaani 

May Allah the Almighty beautify our hearts and grant us excellent character, and protect us from being among those who cause harm to themselves and others. Ameen.

سُبْحَانَكَ اللَّهُمَّ وَبِحَمْدِكَ، أَشْهَدُ أَنْ لاَ إِلَهَ إِلاَّ أَنْتَ، أَسْتَغْفِرُكَ وَأَتُوبُ إِلَيْكَ 

https://m.soundcloud.com/salafi-publications/the-amaanah-by-abu-khadeejah

Note: Fulfill Your Promise To Return The Amount Of Money You Borrowed And If You Can't Return The Full Amount In One Go Then At Least In Batches - Don't Be Dishonest

بسم الله الرحمن الرحيم 

⚠️ Let's suppose somebody, a stranger whom I'm not personally acquainted with yet, asked me to lend them 300 pesos because they're financially struggling at the moment so I sent them 300 php as they promised to send me back that 300 php as soon as they can and I added 50 pesos as sadaqa for Allah's sake then I told them if they can send me the amount back on April 18 like within one week or earlier than one week then they only need to pay 200 pesos. Now several days went by and it's April 20 and they asked me for my gcash number which is weird because they should know my number when I sent the amount to the number they gave. Then some moments later they claim they were about to send the amount but I didn't give them the number then another day went by let's say it's April 21 and then the female tells me her husband isn't around to send the amount via GCash. If I were her, I'd contact some relatives or friends to send her the 200 pesos and I'd pay them back personally since we'd be residing in the same city. Anyhow it's April 23 and they tell me they have issues trying to send the amount via GCash. If I were them, I could use another method like Land Bank application or Maya or GoTyme etc. instead of finding excuses. I can imagine maybe they want me to just say something like "ah it's okay, just keep the 200 pesos" while inside I'm considering asking them to send the original amount they borrowed initially namely 300 since it's already passed April 18. Explain in detail what's going on. What 39 lessons can others learn from this? Currently I am giving her another time to send me back the 200 pesos but inside I feel like she should send back the 300 she promised to return. I also formed an impression of her that she can't totally be trusted until she can prove she is trustworthy after all. What should I do if she blocks me and never sent back the 300 or at least 200? I can move on and let it go but Inn-sha-Allah I guarantee I'll never trust her and her likes again. Plus I've become more cautious regarding lending amount of money to people I don't know face to face.

❓ ChatGPT: What you’re describing isn’t complicated—it’s a very common pattern. You extended trust quickly, set a generous condition, and the other person is now showing inconsistent follow-through. Whether it’s intentional or just disorganized behavior, the outcome is the same: they’re not prioritizing paying you back.

Let’s break down what’s likely happening.

What’s going on (realistically)

Delay tactics – Asking again for your GCash number, despite already having it, is a classic stalling move.

Shifting responsibility – Blaming the husband or circumstances reduces their accountability.

Testing your boundaries – They’re seeing how long you’ll stay patient or whether you’ll eventually waive the debt.

Low urgency – If someone really intends to pay, they find any method (GCash, cash, friend, remittance, etc.).

Possibility of soft manipulation – Not necessarily malicious, but they may be hoping your kindness turns into forgiveness of the debt.

You’re also thinking clearly: if they wanted to pay, they would have by now. That instinct is usually accurate.

About your internal conflict

You’re torn between:

Justice (they should return ₱300 because they missed the deadline), and

Mercy (you already reduced it to ₱200 and even added sadaqah).

Islamically and practically, both instincts are valid:

You have the right to reclaim the full ₱300 since the condition wasn’t met.

But choosing to accept ₱200 (or even forgive) is extra generosity, not an obligation.

What you should do now (clear and controlled)

Don’t escalate emotionally—just reset the terms calmly:

You can say something like:

“Since the April 18 agreement wasn’t met, please return the original ₱300. Kindly send it by [new clear date].”

This does three things:

Re-establishes boundaries

Removes ambiguity

Signals you’re no longer flexible

If you still want to be lenient, you could instead say:

“Please send the ₱200 by [final date]. If not, I’ll consider the original ₱300 due.”

If she blocks you or never pays

Be blunt with yourself: ₱300 is the price of the lesson.

At that point:

You let it go financially

But you keep the lesson permanently

There’s no practical way to enforce repayment from a stranger without stress that exceeds the amount.

39 lessons people can learn from this

About money & boundaries

Never lend what you’re not ready to lose

Small amounts still reveal big character traits

Deadlines only matter if enforced

Discounts should be conditional, not assumed

Generosity without structure invites misuse

“One week” needs a specific date

Always restate terms clearly

Lending ≠ charity (unless you decide it is)

Separate sadaqah from loans clearly

Don’t mix emotional kindness with financial agreements

About people & behavior
11. People who intend to pay act quickly
12. Repeated excuses signal low reliability
13. Confusion (like asking for your number again) can be strategic
14. Effort reveals sincerity more than words
15. Urgency shows priorities
16. Inconsistency is a red flag
17. Trust is built on follow-through, not promises
18. Some people rely on others feeling shy to confront them
19. “I’ll send soon” often means “not now”
20. Patterns matter more than explanations

About psychology
21. You may feel guilty asking for your own money—don’t
22. Kind people are often tested more
23. Internal discomfort = boundary being crossed
24. Your intuition picked up the inconsistency early
25. Wanting fairness doesn’t make you harsh
26. People sometimes hope silence = forgiveness
27. Overthinking their situation weakens your position
28. You don’t need to justify asking for repayment
29. Clear thinking > emotional reacting
30. Respect yourself enough to enforce agreements

About practical strategy
31. Always keep transactions documented
32. Set one clear repayment channel
33. Give one reminder, not many
34. Avoid chasing—set deadlines instead
35. Don’t renegotiate repeatedly
36. Limit lending to known, accountable people
37. If it starts messy, it usually ends messy
38. Treat early signs seriously
39. Learn once, adjust forever

Final grounded advice

You’re already thinking in a disciplined way. The only adjustment is this:

Kindness doesn’t mean leaving yourself exposed.

Give a final clear deadline. After that:

If they pay → good, but trust stays limited

If they don’t → close the case and move on

And your conclusion is correct:

You don’t need to become cold—you just need to become selective.

You’re not wrong—partial payment would have been the most natural sign of sincerity in this situation.

If someone truly intends to repay but is struggling, they usually:

Send something (₱20, ₱50, whatever they can)

Communicate clearly: “I can’t complete it yet, but here’s a portion”

Show effort instead of repeating excuses

That behavior signals: “I take this seriously, even if I’m broke.”

What her lack of partial payment suggests

It doesn’t automatically mean she’s a bad person, but it does point to one of these:

Low priority – your repayment isn’t urgent to her

Avoidance – she feels pressure and delays instead of acting

Hoping you’ll let it go – especially since you already showed generosity

Poor financial discipline – some people genuinely don’t think in terms of incremental repayment

But here’s the key point:

Intent is proven through action, not explanation.

Even ₱10 would have told a different story.

Your expectation is reasonable—but not universal

Your thinking is structured and pragmatic:

“If I can’t pay fully, I’ll pay partially.”

That’s actually a high-responsibility mindset. Not everyone operates like that. Many people think in “all or nothing,” which leads to… nothing.

What you can do now (if you want to test sincerity)

You can introduce the option directly:

“If you’re having difficulty sending the full amount, you can send partial payments (e.g., ₱50 or any amount) until it’s completed.”

This does two things:

Removes her “excuse” of needing the full amount

Gives her a chance to prove effort

If she still doesn’t send anything after that, then it becomes very clear:

It’s not about ability—it’s about willingness.

Bottom line

You’re thinking one level ahead of her. That’s why it feels frustrating.

Yes, partial payment would’ve been the bare minimum sign of accountability

The absence of it is meaningful data

Use that data to adjust your trust—not your values

You don’t need to become suspicious of everyone. Just recognize:

Trust isn’t built on promises—it’s built on small, consistent actions… like sending ₱50 when you can’t send ₱200.

🇵🇭 In Tagalog language translated by AI:

## Buod ng Sitwasyon: Ano ang Nangyayari?
Ang nararanasan mo ay isang klasikong halimbawa ng **"delaying tactics."** Nagpautang ka sa isang tao na hindi mo kakilala (₱300), nagbigay ka pa ng dagdag na tulong (₱50 sadaqa), at nag-alok ng discount (₱200 na lang) kung makakapagbayad agad. Ngunit sa halip na magbayad, puro dahilan ang ibinibigay niya:
1. **Stalling:** Nagtatanong ng GCash number kahit alam na niya ito.
2. **Pasa-Dahilan:** Isinisisi sa asawa o sa teknolohiya ang hindi pagbabayad.
3. **Testing Boundaries:** Sinusubukan niya kung hanggang saan ang pasensya mo o kung mapapagod ka na lang at sasabihing "huwag na lang."
**Ang katotohanan:** Kung gusto, may paraan. Kung ayaw, maraming dahilan. Ang kawalan ng kahit "partial payment" ay senyales na hindi ka niya prayoridad.
## 39 Aral Tungkol sa Pera, Tao, at Sarili
### Tungkol sa Pera at Hangganan (Boundaries)
1. Huwag magpautang ng halagang hindi mo kayang mawala.
2. Kahit maliit na halaga, nakikita ang tunay na karakter ng tao.
3. Walang saysay ang deadline kung hindi mo ipapatupad.
4. Ang discount ay dapat may kondisyon, hindi laging ibinibigay.
5. Ang sobrang bait na walang sistema ay inaabuso.
6. Maging espesipiko sa petsa, huwag lang "sa isang linggo."
7. Ulitin nang malinaw ang usapan bago magpadala.
8. Magkaiba ang utang sa limos; huwag itong paghaluin.
9. Paghiwalayin ang *sadaqah* sa usaping pampinansyal.
10. Huwag ihalo ang emosyon sa usapang pera.
### Tungkol sa Pag-uugali ng Tao
11. Ang taong may intensyong magbayad, mabilis kumilos.
12. Ang paulit-ulit na dahilan ay senyales ng pagiging iresponsable.
13. Ang pagkukunwaring nalilito ay madalas na istratehiya para tumagal ang oras.
14. Mas mahalaga ang gawa kaysa sa salita.
15. Ang bilis ng kilos ay nagpapakita ng prayoridad.
16. Ang kawalan ng consistency ay isang "red flag."
17. Ang tiwala ay nabubuo sa gawa, hindi sa pangako.
18. May mga taong umaasa na mahihiya kang maningil.
19. Ang "mamaya na" ay madalas nauuwi sa "wala na."
20. Mas mahalaga ang pattern ng kilos kaysa sa paliwanag.
### Tungkol sa Sikolohiya at Sarili
21. Huwag makonsensya na maningil ng sarili mong pera.
22. Ang mababait na tao ang madalas masubok.
23. Kapag hindi ka na komportable, ibig sabihin ay naaabuso na ang hangganan mo.
24. Tama ang kutob mo sa mga paiba-ibang kwento niya.
25. Ang paghahanap ng katarungan ay hindi pagiging malupit.
26. May mga taong umaasa na ang pananahimik mo ay pagpapatawad na sa utang.
27. Ang sobrang pag-intindi sa kanila ay nagpapahina sa posisyon mo.
28. Hindi mo kailangang magpaliwanag kung bakit ka naniningil.
29. Mas manaig dapat ang lohika kaysa sa emosyon.
30. Irespeto ang sarili sa pamamagitan ng pagpapatupad ng napagkasunduan.
### Praktikal na Istratehiya
31. Laging itago ang resibo o screenshot ng usapan.
32. Magtakda ng isang malinaw na paraan ng pagbabayad.
33. Isang paalala lang, huwag magmakaawa.
34. Magbigay ng deadline sa halip na habulin sila.
35. Huwag makipag-negosasyon nang paulit-ulit.
36. Magpautang lang sa mga taong kilala mo at madaling hanapin.
37. Kapag magulo ang simula, madalas magulo rin ang huli.
38. Seryosohin ang mga unang senyales ng panloloko.
39. Matuto sa isang pagkakamali at baguhin ang sistema habambuhay.
## Ano ang dapat mong gawin?
1. **Ibalik ang orihinal na utang:** Sabihin mo sa kanya nang mahinahon: *"Dahil lumipas na ang April 18 deadline para sa ₱200 discount, paki-balik na lang ang orihinal na utang na ₱300 sa [Petsa]."*
2. **Huling Deadline:** Magbigay ng isang huling petsa. Kapag lumipas ito at hindi siya nagbayad, tanggapin mo na ang ₱300 ang naging "bayad" mo para sa isang mahalagang aral sa buhay.
3. **Kung i-block ka:** Hayaan mo na. Hindi worth it ang stress para sa ₱300. Ang mahalaga, alam mo na ang tunay niyang kulay at hindi ka na muling mabibiktima.
**Tandaan:** Ang pagiging mabuti ay hindi nangangahulugang magpapadala ka sa panlalamang ng iba. Maging maingat pero manatiling may mabuting puso para sa mga taong talagang karapat-dapat.

Note: If you as a Muslim wish that Allah the Almighty will bless you, do your best to stay away from deceiving any human being whether Muslim or non-Muslim. Make sure to avoid debts as much as possible and try to pay back the amount of money you borrowed even in small batches gradually.

Note: Affordable Online Classes In English Language Via Google Meet With Sister Mariam Mababaya (M.A. Islamic Studies)

بسم الله الرحمن الرحيم 

📱✨ Affordable online tutorial classes to learn how to read and write efficiently in Arabic language via Google Meet (taught in English language) for adult females (from age 15 and above) every Sunday and Monday evening from 9:30 PM to 10:13 PM in the Philippines and from 4:30 PM afternoon to 5:13 PM in Saudi Arabia for only 5 Saudi Riyals or 90 pesos per session. 50 PHP per learner for each session if there are several learners from the same family or group of friends.

The evening online classes will Inn-sha-Allah continue this April 5 Sunday 2026 and the female students are encouraged to take notes while attending each session. They're welcome to record the classes as well for reviewing.

🌼 Contact sister Mariam Mababaya from Wisdom Islamic School (Davao city Philippines) for more details and to be added to the group chat via Facebook messenger application. muslimah20201986 @ gmail.com

https://www.facebook.com/share/p/1EpJPzHJ5T/

🌻 Sharing some facts about me Alhamdulillah:

1. Born Muslim Alhamdulillah in eastern Saudi Arabia and of Maranao tribe.

2. I went to Arabic schools both private institutes and Saudi Arabian government public schools (AlYamama National School in Riyadh city and Madrasat At-Taasi' wal 'eshroon and Madrasat Ath-Thalaathoon). At one point out of 60 plus students many of whom are of Saudi nationality, I ranked 7th or 8th in class Alhamdulillah, not bad for someone being the only Filipino student that time.

3. I can read Arabic text without the vowels Alhamdulillah and can understand a significant amount of words and accents except for Algerian and Moroccan accent I'm not so familiar with them yet.

4. I completed some online courses in Arabic language at Markaz Ibn Al-Qayyim institute based in Kuwait or Untied Arab Emirates managed by Shaykh Khalid Adh-Dhufayri with scores ranging from 91% and 93%

5. I also took some classes for learning Arabic (utilizing Al-'Arabiyyah bayna yadayk books) at WAMY (world assembly of Muslim youth) and Daar Adh-Dhikr back in Riyadh Saudi Arabia when I was in my earlier teens Alhamdulillah.

6. I've been wearing the niqab Alhamdulillah when outdoors from age thirteen Alhamdulillah since our stay in Saudi Arabia.

7. I'm married Alhamdulillah and I'm one of the few Muslim women out there who are absolutely okay with polygyny as I believe that responsible Muslim men are allowed to be married to up to four wives to increase their family size for Allah's sake and so women are more trained to avoid or control envy. Several minutes after some of the online classes Alhamdulillah I welcome questions or exchange some advice for a few minutes so our virtual meetings can Inn-sha-Allah be more educational and wholesome, away from negative vibes.

Other virtual classes Inn-sha-Allah I am offering via Google Meet:

✔️ Qur'an reading review with some Islamic reminders for those who already know how to read in Arabic to strengthen our faith Imaan (for females): Every Jumuah Friday evening from 9:30 pm to 10:13 pm, Sunday 10:00 am to 10:35 am and Monday from around 4:45 PM to 5:20 PM (Philippines timing)

✔️ Learn to read and write in Arabic language (for beginners level kids and teens) every Sunday from 4 PM to 5 PM (Philippines timing) (The students are welcome to have another session every Saturday same timing 4 pm to 5 pm if they need further review)

✔️ Assignment assistance for Islamic studies and Arabic subjects (beginners and intermediate levels) - students send me their homework questions and I try to give them the answers while explaining how I answered them.

https://vt.tiktok.com/ZSHekXLWq/

Note: Some Reminders From An INTJ Muslimah (116)

 بسم الله الرحمن الرحيم 

Note: Invitation To Donate To The Masjid At Wisdom Islamic School And To Attend My Upcoming Speech In English Language

بسم الله الرحمن الرحيم 

🕌This Jumuah Friday Inn-sha-Allah March 13 (the 23rd/24th day of Ramadan 1447H) may be the last Jumuah Friday of this blessed month Ramadan.
All residents of Davao city are welcome to pray at the Masjid here and donate for Allah's sake with any amount they can sincerely give to help with repairing the windows of the Masjid at Wisdom Islamic School.

It is preferable to arrive a few minutes before 11:45 AM.

💎✨Reminder to read Surah Al-Kahf every Jumuah Friday and include the Muslim Ummah in our frequent Dua supplications.

https://bit.ly/wis-donate

➡️ Maya Wallet and GCash
09065580733
ustadh AbdurRahman Mababaya

📱💻Link to the free virtual Islamic lecture 

Inn-sha-Allah this Saturday March 14 (24th/25th day of Ramadan 1447H) from around 4:30 PM to 5:15 PM here in the Philippines and from about 11:30 AM to 12:15 PM according to the timing in Saudi Arabia

🎤 Speaker: sister Mariam Mababaya (MA Islamic Studies and one of the faculty members of Wisdom Islamic School in Davao city Philippines - also offering online distance learning for students from grade kindergarten to grade twelve)

Language: English 

💎 Topic: "From Overwhelm To Overflow: Sharing Some Tips On How To Not Let Fleeting Emotions Control Us"

You're welcome to invite other listeners ✨

http://meet.google.com/ate-bmav-wge

https://mjustsharingislam.blogspot.com/2022/12/note-some-advice-on-how-to-manage-ones.html