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Heri Mahbub
Behind the convenience of Paylater, an online loan, lies usury that can destroy your mind and body. True health is a peaceful heart, a strong body, and a blessed life—without interest-bearing debt and the stress of bills. Heed the warnings of the Medical Quran and its scientific implications!
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Quran Cordoba - A story about the poison of usury. That morning, Fadli sat pensively at his desk, staring at a laptop screen filled with bill notifications: Paylater A, Paylater B, late fees, online loans, and accrued interest.
Once, the "Pay Later" feature felt like a lifesaver: shopping could continue, and lifestyle remained cool. But lately, Fadli hasn't been sleeping well. His chest often feels tight, his thoughts are confused, and his body tires easily.
Fadli is a portrait of a modern youth—trapped in a usurious financial system disguised as technology. And his story is not unique. Thousands of other young people are walking a similar path.
Instantly full of shopping, lifestyle demands but slowly fading, both economically and health-wise.
As Muslims, we know that usury is a major sin, expressly forbidden in the Quran and Hadith. Even the Prophet Muhammad (peace be upon him) said:
" The Prophet SAW cursed the usury taker, the usury depositor, the author of the usury transaction, and the two witnesses who witnessed the usury transaction ."
He said: " They are all the same (sinful )." (HR Muslim, 1598)
Usury is not just an unethical financial practice, but a system that spiritually damages humanity's relationship with Allah SWT, and socially fuels inequality, greed, and misery.
However, what is rarely discussed is how usury also has a direct impact on our physical and mental health .
This is the focus of Medical Quran —namely, an approach to Islamic teachings combined with modern scientific findings in the medical and psychological fields.
When discussing medical Quranic practices , everyone will talk about the verses of the Quran and the hadith of the Prophet Muhammad (peace be upon him) in harmony with modern medical facts. In the context of usury, science has proven that usury is not only forbidden but also harmful to physical and mental health.
A study by BR Whitehead and CS Bergeman (Journal of Health Psychology, 2017) showed that stress due to financial pressure can cause:
And let's be honest, many of us have experienced these symptoms after getting trapped in interest-bearing debt . This is where the Quran's medical warning comes from: when Allah forbade usury, it wasn't solely for spiritual reasons; the wisdom also lies in its devastating effects on the body and soul .
In Islam, mental health is not only about being free from mental disorders, but also having a calm heart, a clear mind, and harmonious relationships with others.
Unfortunately, our consumerist lifestyle and reliance on services like Paylater and Pinjol have caused many of us to lose it all.
" Indeed, by remembering Allah, hearts become calm ." (QS. Ar-Ra'd: 28)
But how can we relax when we're plagued by bills and fines every day? Financial stress is real, and it can disrupt household harmony, disrupt work productivity, and even lead to depression and acute anxiety.
In this context, usury not only makes us sin, but also hurts ourselves physically and spiritually .
READ ALSO: Medical Quran Discusses the Dangers of Alcohol and Khamr: Health and Sunnah Perspectives
Check your favorite Paylater app again. Is there a late payment interest rate? Are there any penalties for failing to pay on time? If so, then that's usury —and the sins of all those involved are explained in the hadith of the Prophet Muhammad (peace be upon him).
Sometimes we justify it by saying, “But this is just a small fine.” “Ah, we are willing, we can afford to pay.” Unfortunately, what is haram remains haram , even if the amount is small, and even if it is done by the majority of people in a congregation.
And what's worse, usury is addictive . Once you've successfully purchased something without money, you want to do it again. This is a psychological trap that drags people deeper into debt. Then what's left of life? Anxiety, dizziness, and a body that's slowly screaming.
Islam came not to make things difficult, but to protect. Protect religion, reason, property, soul and descendants. Everything that Allah forbids, there must be a reason. And everything that Allah makes lawful has its benefits.
Learning from the medical Quran, here are concrete steps for the solution:
READ ALSO: Medical Quran Discusses the Dangers of Lying: Besides Being a Sin, It's Also a Real Health Threat!
The Medical Quran bridges our understanding between religion and physical health. When Allah forbids usury, He is actually saving us from the destruction of our bodies and souls.
And when the Prophet taught to live simply, full of gratitude and blessings, that was truly a recipe for health for all time.
So, are you still tempted by the apparent convenience of Paylater and online loans?
True health is when the heart is at peace, the body is strong, and life is full of blessings—without interest-bearing debt and prolonged stress. It's time to be obedient, it's time to be healthy, free from usury.
Wallahu'alam
