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3. Aal-i-Imraan

The Family of Imraan · Medinan · 200 ayahs

سُورَةُ آلِ عِمۡرَانَ

Reading Maarif-ul-Quran by Mufti Muhammad Shafi

Ayahs 171–180 of 200

171

۞ يَسْتَبْشِرُونَ بِنِعْمَةٍۢ مِّنَ ٱللَّهِ وَفَضْلٍۢ وَأَنَّ ٱللَّهَ لَا يُضِيعُ أَجْرَ ٱلْمُؤْمِنِينَ

They receive good tidings of favor from Allah and bounty and [of the fact] that Allah does not allow the reward of believers to be lost -

So, in summation, their first merit as pointed out in this verse is their distinct perennial life; the second is their being well-provided from Allah and the third (فَرِ‌حِينَ بِمَا آتَاهُمُ اللَّـهُ ) is that they shall always be happy with Allah's blessings and grace. The fourth (وَيَسْتَبْشِرُ‌ونَ بِالَّذِينَ لَمْ يَلْحَقُوا بِهِم) merit is the good news given to them about their relatives and circle of friends they left behind in the mortal world that they too shall deserve the same blessings and ranks with their Lord if they remain good in deeds and are active in Jihad (170-171).

Al-Suddi says that a شھید shahld is informed beforehand when one of his close friend or relative is about to die. The news that a certain person was coming to them makes them as happy as one would usually be when an old friend, long separated by time and distance, comes to meet him.

The background of the revelation of this verse as narrated by Abu Dawud on sound authorities from Sayyidna Ibn ` Abbas is as follows. The Holy Prophet said to the noble Companions: 'When your brothers-in-faith fell martyrs at the battle of Uhud, Allah Almighty placed their spirits in the bodies of green birds and set them free. They get their sustenance from the streams and fruit-trees of the Paradise following which they return to special candelabrums held suspending for them underneath the عرش 'throne' ('arsh) of the All-Merciful. When they noticed the luxury of their life there, they said, 'Can anyone tell them (their grieving friends and relatives in the world) about how we live here so that they stop grieving about us and go about striving in Jihad as we did.' Allah Almighty said, 'We shall let them know about this state of yours.' Thereupon, this verse was revealed (Qurtubi).

Aal-i-Imraan 3:171Listen in Qur'an →
172

ٱلَّذِينَ ٱسْتَجَابُوا۟ لِلَّهِ وَٱلرَّسُولِ مِنۢ بَعْدِ مَآ أَصَابَهُمُ ٱلْقَرْحُ ۚ لِلَّذِينَ أَحْسَنُوا۟ مِنْهُمْ وَٱتَّقَوْا۟ أَجْرٌ عَظِيمٌ

Those [believers] who responded to Allah and the Messenger after injury had struck them. For those who did good among them and feared Allah is a great reward -

Commentary:

The subject of the previous verse was the battle of Uhud connected with which is the battle of Hamra' al-Asad which forms the subject of the present verse. Hamra' al-Asad is a place eight miles away from Madinah.

The background of this event, mentioned briefly under introductory remarks about verse 151, is that the disbelievers of Makkah left the battlefield of Uhud, reached a certain distance where they realized that they had made a mistake by retreating. Since they had almost won the battle, they should have gone for the final assault and finished off the Muslim forces. The thought so gripped them that they started getting ready to march back to Madinah. But, Allah Almighty cast such awe and fear in their hearts that they found it more convenient to march back home to Makkah. They still left a message with a passing group of travellers to Madinah asking them to give a warning to Muslims that they were coming back after them with all their awesome strength. The Holy Prophet ﷺ found this out through a revelation and he reached Hamra' al-Asad in hot pursuit (Ibn Jarir, cited by Ruh al-Ma'ani).

It appears in Tafsir al-Qurtubi that, on the second day of Uhud, the Holy Prophet ﷺ made an announcement before his mujahidin that they have to pursue the disbelievers but the attacking company will be composed of those who were active participants in yesterday's battle. Two hundred مجاھدین mujahidin rose following this announcement.

A report in Sahih al-Bukhari states that seventy people stood up following the announcement by the Holy Prophet ﷺ as to who was ready to go after the disbelievers. Among those were people who had been severely wounded in the battle a day earlier, some even had to be helped in walking. This blessed company marched to apprehend the disbelievers. When they reached Hamra' al-Asad, they met Nu'aym ibn Masud who told them that Abu Sufyan has assembled together a much larger force once again and he is all set to invade Madinah and eliminate its people. Injury-ridden and much weakened Companions ؓ heard this disturbing news yet it was in one voice that they said: We do not know him حَسْبُنَا اللَّـهُ وَنِعْمَ الْوَكِيلُ (Allah is sufficient for us and He is the best caretaker.)

On the one hand there was this news broken to Muslims so they get terrorized, but nothing of this sort happened to them. On the other hand, there was the instance of Ma'bad al-Khuza` i, a man from the tribe of Bahl Khuza` ah. He was on his way to Makkah. Though not a Muslim, he was a well-wisher of Muslims - his tribe was an ally of the Holy Prophet ﷺ . So, when he saw Abu Sufyan repenting his retreat from Madinah and all too resolved to go back and fight, he told Abu Sufyan: 'You are making a mistake by thinking that Muslim forces have become weak. I have just passed by a huge army of theirs camped at Hamra' al-Asad. Armed with an array of men and materials, they are about to set out in hot pursuit against you.' This report from him put the awe of Muslim forces in his (Abu Sufyan) heart.

This event has been related in three verses (172-174) given above. It has been said in the first verse (172) that despite injuries and hardships from the …

Aal-i-Imraan 3:172Listen in Qur'an →
173

ٱلَّذِينَ قَالَ لَهُمُ ٱلنَّاسُ إِنَّ ٱلنَّاسَ قَدْ جَمَعُوا۟ لَكُمْ فَٱخْشَوْهُمْ فَزَادَهُمْ إِيمَٰنًۭا وَقَالُوا۟ حَسْبُنَا ٱللَّهُ وَنِعْمَ ٱلْوَكِيلُ

Those to whom hypocrites said, "Indeed, the people have gathered against you, so fear them." But it [merely] increased them in faith, and they said, "Sufficient for us is Allah, and [He is] the best Disposer of affairs."

In the second verse (173), more praises have been showered on the noble Companions, may Allah be pleased with them all, who so courageously stepped forward to join this Jihad. The words of the verse are:

الَّذِينَ قَالَ لَهُمُ النَّاسُ إِنَّ النَّاسَ قَدْ جَمَعُوا لَكُمْ فَاخْشَوْهُمْ فَزَادَهُمْ إِيمَانًا

- those to whom people said, "The people have gathered against you; so, fear them." It increased them in Faith ...

That is, blessed are such people who heard the news that the enemy has assembled a big fighting force against them and also the advice that they should fear them and avoid fighting - still, this news further increased the fervour of their faith. The reason is simple: When these blessed people had agreed to obey Allah and His Messenger, they had realized right from day one that the path they have chosen to travel on is full of dangers. There will be difficulties and impediments at every step. Their passage will not be easy. They will be stopped. Even armed efforts will be made to suppress their revolutionary movement. Thus, when these noble people came across such hardships, the power of their Faith increased to levels higher than before and, as a result, they worked harder, more selflessly, more than ever.

As obvious, the Faith of these noble souls was perfect from the very first day they had embraced Islam, therefore, the reference to the increase in Faith in these two verses (172-173) means the increase in the qualitative contents and end-results of Faith. Even this state of the Companions who readily responded to the call of Allah and His Messenger has been specially mentioned at this point by saying that they kept reciting: حَسْبُنَا اللَّـهُ وَنِعْمَ الْوَكِيلُ (173) all along their march to the Jihad mission. The sentence means: Allah is all-sufficient for us and the best one to trust in.

Let us consider an important rule of conduct at this point. It is a fact and we know it too well that no one in this world can claim to have placed his trust in Allah, a degree more pronounced than the Holy Prophet ﷺ to and his noble Companions ؓ . But, the form and manner of such trust was different. He would never think of sitting back forsaking all physical means available and end up saying: Allah is all-sufficient for us - He will bless us with victory while we sit out and do nothing! No. This did not work like that. Instead, he gathered the noble Companions together, infused a new fighting spirit in the hearts of those injured, prepared them for the Jihad, both materially and spiritually before marching out. It means that he collected and used all physical means which were available to him and it was only after that he said: 'Allah is all-sufficient for us.' This, then, is the most authentic form of Tawakkul (Trust in Allah) taught by the Holy Qur'an, personally practiced by the Holy Prophet ﷺ and this was what he made others around him do. All physical means which we have in the life of this world are blessings from Allah. Rejecting or abandoning them amounts to being ungrateful to Him. Placing trust in Allah after having forsaken available physical means is no Sunnah (established practice) of the Messenger of Allah ﷺ . …

Aal-i-Imraan 3:173Listen in Qur'an →
174

فَٱنقَلَبُوا۟ بِنِعْمَةٍۢ مِّنَ ٱللَّهِ وَفَضْلٍۢ لَّمْ يَمْسَسْهُمْ سُوٓءٌۭ وَٱتَّبَعُوا۟ رِضْوَٰنَ ٱللَّهِ ۗ وَٱللَّهُ ذُو فَضْلٍ عَظِيمٍ

So they returned with favor from Allah and bounty, no harm having touched them. And they pursued the pleasure of Allah, and Allah is the possessor of great bounty.

The third verse (174) recounts the blessings which descended upon these noble Companions for their brave response to the call of Jihad and for saying: حَسْبُنَا اللَّـهُ وَنِعْمَ الْوَكِيلُ (Allah is all-sufficient for us, and the best one to trust in). It was said:

فَانقَلَبُوا بِنِعْمَةٍ مِّنَ اللَّـهِ وَفَضْلٍ لَّمْ يَمْسَسْهُمْ سُوءٌ وَاتَّبَعُوا رِ‌ضْوَانَ اللَّـهِ

So, they returned with bounty from Allah, and grace, with no evil having even touched them -- and submitted to the pleasure of Allah.

Allah Almighty bestowed on them three blessings:

1. Such awe and terror was placed in the hearts of disbelievers that they ran away because of which the Companions remained protected against the rigours of fighting on the battlefield. Allah Almighty has used the very word نِعْمَة Ni'mah for what we refer to as blessing.

2. The second blessing conferred on them was the opportunity to engage in trading in the market of Hamra'al-Asad. The benefits yielded by such financial transactions were called فضل 'Fadl' or the bounty from Allah.

3. The third and the highest of the three blessings was the attainment of the pleasure of Allah which these blessed souls received in Jihad in a special manner

حَسْبُنَا اللَّـهُ وَنِعْمَ الْوَكِيلُ : Hasbunallahu wa ni` mal-wakil: A wonderful prayer for all of us

The blessings of this prayer cited by the Holy Qur'an were not limited to the Companions of the Holy Prophet ﷺ in any restrictive sense. The fact is that anyone who recites this prayer devotedly with a genuine sense of faith will share in such blessings.

Muslim scholars and spiritual masters have said that one who recites this verse a thousand times with true faith, and prays, will find that Allah Almighty has not rejected his prayer. Reciting this verse under the stress of frustrations and difficulties is a proven panacea.

The fourth verse (175) tells Muslims that the real agent behind the report that the disbelievers are coming back is شیطان Satan himself who would love to see Muslims overawed. In other words, شیطان Satan is threatening Muslims with the strength of his friends - his cohorts, the disbelievers. Thus, one of the two objects of the verb يُخَوِّفُ yukhawwifu [ frightens (you)] has been left out in the text. The one mentioned is in اولیاہُ 'auliya'ahu' (of his friends) while the one understood but not mentioned is 'you' as it would be in يُخَوِّفُکم yukhawwifukum (frightens you).

In the end, the verse exhorts Muslims not to fear such threats. What is necessary is that Muslims must continue fearing Allah, the natural outcome of which will be that a true Muslim will always think twice before embarking on anything that means disobedience to Allah. The truth of the matter is that, with Allah's help and support on ones' side, no harm can come from any side.

The Fear of Allah: What does it mean?

The imperative in the present verse obligates Muslims that they must always keep fearing Allah. In another verse, يَخَافُونَ رَ‌بَّهُم مِّن فَوْقِهِمْ (They fear their Lord above them-16:50) those who do so have been praised. Some revered elders have explained it by saying that fearing Allah does not mean that one should be scared stiff or sit …

Aal-i-Imraan 3:174Listen in Qur'an →
175

إِنَّمَا ذَٰلِكُمُ ٱلشَّيْطَٰنُ يُخَوِّفُ أَوْلِيَآءَهُۥ فَلَا تَخَافُوهُمْ وَخَافُونِ إِن كُنتُم مُّؤْمِنِينَ

That is only Satan who frightens [you] of his supporters. So fear them not, but fear Me, if you are [indeed] believers.

The third verse (174) recounts the blessings which descended upon these noble Companions for their brave response to the call of Jihad and for saying: حَسْبُنَا اللَّـهُ وَنِعْمَ الْوَكِيلُ (Allah is all-sufficient for us, and the best one to trust in). It was said:

فَانقَلَبُوا بِنِعْمَةٍ مِّنَ اللَّـهِ وَفَضْلٍ لَّمْ يَمْسَسْهُمْ سُوءٌ وَاتَّبَعُوا رِ‌ضْوَانَ اللَّـهِ

So, they returned with bounty from Allah, and grace, with no evil having even touched them -- and submitted to the pleasure of Allah.

Allah Almighty bestowed on them three blessings:

1. Such awe and terror was placed in the hearts of disbelievers that they ran away because of which the Companions remained protected against the rigours of fighting on the battlefield. Allah Almighty has used the very word نِعْمَة Ni'mah for what we refer to as blessing.

2. The second blessing conferred on them was the opportunity to engage in trading in the market of Hamra'al-Asad. The benefits yielded by such financial transactions were called فضل 'Fadl' or the bounty from Allah.

3. The third and the highest of the three blessings was the attainment of the pleasure of Allah which these blessed souls received in Jihad in a special manner

حَسْبُنَا اللَّـهُ وَنِعْمَ الْوَكِيلُ : Hasbunallahu wa ni` mal-wakil: A wonderful prayer for all of us

The blessings of this prayer cited by the Holy Qur'an were not limited to the Companions of the Holy Prophet ﷺ in any restrictive sense. The fact is that anyone who recites this prayer devotedly with a genuine sense of faith will share in such blessings.

Muslim scholars and spiritual masters have said that one who recites this verse a thousand times with true faith, and prays, will find that Allah Almighty has not rejected his prayer. Reciting this verse under the stress of frustrations and difficulties is a proven panacea.

The fourth verse (175) tells Muslims that the real agent behind the report that the disbelievers are coming back is شیطان Satan himself who would love to see Muslims overawed. In other words, شیطان Satan is threatening Muslims with the strength of his friends - his cohorts, the disbelievers. Thus, one of the two objects of the verb يُخَوِّفُ yukhawwifu [ frightens (you)] has been left out in the text. The one mentioned is in اولیاہُ 'auliya'ahu' (of his friends) while the one understood but not mentioned is 'you' as it would be in يُخَوِّفُکم yukhawwifukum (frightens you).

In the end, the verse exhorts Muslims not to fear such threats. What is necessary is that Muslims must continue fearing Allah, the natural outcome of which will be that a true Muslim will always think twice before embarking on anything that means disobedience to Allah. The truth of the matter is that, with Allah's help and support on ones' side, no harm can come from any side.

The Fear of Allah: What does it mean?

The imperative in the present verse obligates Muslims that they must always keep fearing Allah. In another verse, يَخَافُونَ رَ‌بَّهُم مِّن فَوْقِهِمْ (They fear their Lord above them-16:50) those who do so have been praised. Some revered elders have explained it by saying that fearing Allah does not mean that one should be scared stiff or sit …

Aal-i-Imraan 3:175Listen in Qur'an →
176

وَلَا يَحْزُنكَ ٱلَّذِينَ يُسَٰرِعُونَ فِى ٱلْكُفْرِ ۚ إِنَّهُمْ لَن يَضُرُّوا۟ ٱللَّهَ شَيْـًۭٔا ۗ يُرِيدُ ٱللَّهُ أَلَّا يَجْعَلَ لَهُمْ حَظًّۭا فِى ٱلْءَاخِرَةِ ۖ وَلَهُمْ عَذَابٌ عَظِيمٌ

And do not be grieved, [O Muhammad], by those who hasten into disbelief. Indeed, they will never harm Allah at all. Allah intends that He should give them no share in the Hereafter, and for them is a great punishment.

Previous verses mentioned the treachery and ill-will of the hypocrites. The present verses comfort the Holy Prophet ﷺ asking him not to grieve over the mischief made by the disbelievers for they cannot harm him in any way.

The last verse (178) carries a refutation of the false notion about disbelievers: How can they, while obviously prospering in the present world, be regarded as victims of Allah's wrath and rejection?

Aal-i-Imraan 3:176Listen in Qur'an →
177

إِنَّ ٱلَّذِينَ ٱشْتَرَوُا۟ ٱلْكُفْرَ بِٱلْإِيمَٰنِ لَن يَضُرُّوا۟ ٱللَّهَ شَيْـًۭٔا وَلَهُمْ عَذَابٌ أَلِيمٌۭ

Indeed, those who purchase disbelief [in exchange] for faith - never will they harm Allah at all, and for them is a painful punishment.

Previous verses mentioned the treachery and ill-will of the hypocrites. The present verses comfort the Holy Prophet ﷺ asking him not to grieve over the mischief made by the disbelievers for they cannot harm him in any way.

The last verse (178) carries a refutation of the false notion about disbelievers: How can they, while obviously prospering in the present world, be regarded as victims of Allah's wrath and rejection?

Aal-i-Imraan 3:177Listen in Qur'an →
178

وَلَا يَحْسَبَنَّ ٱلَّذِينَ كَفَرُوٓا۟ أَنَّمَا نُمْلِى لَهُمْ خَيْرٌۭ لِّأَنفُسِهِمْ ۚ إِنَّمَا نُمْلِى لَهُمْ لِيَزْدَادُوٓا۟ إِثْمًۭا ۚ وَلَهُمْ عَذَابٌۭ مُّهِينٌۭ

And let not those who disbelieve ever think that [because] We extend their time [of enjoyment] it is better for them. We only extend it for them so that they may increase in sin, and for them is a humiliating punishment.

Commentary

Material affluence of disbelievers is, after all, an extension of Divine punishment

Let there be no doubt about the worldly wellbeing of disbelievers for one may be tempted to believe that since Allah Almighty has given respite, long life, security and comfort to disbelievers so that they go on increasing in their crimes, they should, then, be taken as innocent. Far from it, because the verse means that Muslims should not feel upset about this temporary respite and affluence given to disbelievers as all this worldly wealth and power in their hands - despite their disbelief and disobedience - is nothing but a form of the very punishment destined for them. Today, they do not realize it. But, once they leave the mortal world, they would. They would discover to their dismay that all those articles of comfort they acquired and spent in sin were, in reality, the very embers of Hell. This is corroborated by several other verses of the Qur'an. For instance, (Allah intends to punish them with it – 9:55) which means that the wealth and power of disbelievers and their vulgarly luxurious consumerism should not be a matter of pride for them for this is nothing but an installment of that very punishment from Allah which will cause their punishment in the Hereafter to increase.

Aal-i-Imraan 3:178Listen in Qur'an →
179

مَّا كَانَ ٱللَّهُ لِيَذَرَ ٱلْمُؤْمِنِينَ عَلَىٰ مَآ أَنتُمْ عَلَيْهِ حَتَّىٰ يَمِيزَ ٱلْخَبِيثَ مِنَ ٱلطَّيِّبِ ۗ وَمَا كَانَ ٱللَّهُ لِيُطْلِعَكُمْ عَلَى ٱلْغَيْبِ وَلَٰكِنَّ ٱللَّهَ يَجْتَبِى مِن رُّسُلِهِۦ مَن يَشَآءُ ۖ فَـَٔامِنُوا۟ بِٱللَّهِ وَرُسُلِهِۦ ۚ وَإِن تُؤْمِنُوا۟ وَتَتَّقُوا۟ فَلَكُمْ أَجْرٌ عَظِيمٌۭ

Allah would not leave the believers in that [state] you are in [presently] until He separates the evil from the good. Nor would Allah reveal to you the unseen. But [instead], Allah chooses of His messengers whom He wills, so believe in Allah and His messengers. And if you believe and fear Him, then for you is a great reward.

The previous verse (178) answered the question about disbelievers as to why they, being the detested ones in the sight of Allah, are in possession of all sort of wealth, property and other means of luxurious living?

The present verse (179), in sharp contrast, removes the doubt about true believers as to why they, being the favoured servants of Allah, are tested with all sorts of hardships? Being favoured required that they should have been the ones living in comfort surrounded by its paraphernalia!

Commentary

The wisdom of making a believer distinct from a hypocrite through practical demonstration rather than through a revelation.

It has been said in this verse that Allah Almighty has His way of making a sincere believer distinct from a hypocrite through which He generates such situations of hardship as would expose the hypocrisy of the hypocrites practically. This distinction, though, could also be made by identifying hypocrites by name through a revelation. But, the later course was not taken because it would have not been wise. The whole range of wisdom behind what Allah does is known to Him alone. However, one wise consideration in the present context could be: If Muslims were told about a person being a hypocrite through revelation, they would have had no difficulty in dealing with them carefully, but this would have not provided them with a clearly demonstrated proof necessarily acceptable to the hypocrites - for, they would have still insisted: You are wrong. We are true Muslims.'

Contrary to this, the distinction was made practically. The introduction of hardship put the hypocrites to test in which they failed and ran away. Their hypocrisy was demonstrated and exposed practically and openly. Now they did not have the cheek to claim that they were true, sincere and believing Muslims.

The manner in which the hypocrites were exposed yielded yet another benefit for Muslims when their formal relationship was also severed with the hypocrites. Otherwise, maintaining a state of discord in the heart with a veneer of formal social dealing would have been equally harmful ethically.

The Unseen when communicated to anyone is no Knowledge of the Unseen as such

This verse tells us that Allah Almighty does not inform everyone about Unseen matters through the medium of revelation (Wahy). However, He does inform His chosen prophets in this manner. From this, let no one hasten to doubt that prophets too have become sharers in the Knowledge of the Unseen or the knower, of the Unseen! The reason is that the Knowledge of the Unseen which is particularly attributed to the being of Allah Almighty cannot be taken as being shared by any created being. Doing so is Shirk (the crime of ascribing partners to Allah). The particular Knowledge is fortified by two conditions:

1. This should be intrinsic to the being, not given by anyone else.

2. This has to be all-comprehensive, encompassing all universes, the past and the future - a Knowledge that covers even the minutest particle without any possibility of anything remaining hidden from it. As for things of the Unseen the information of which is given to His prophets by Allah Almighty through the medium …

Aal-i-Imraan 3:179Listen in Qur'an →
180

وَلَا يَحْسَبَنَّ ٱلَّذِينَ يَبْخَلُونَ بِمَآ ءَاتَىٰهُمُ ٱللَّهُ مِن فَضْلِهِۦ هُوَ خَيْرًۭا لَّهُم ۖ بَلْ هُوَ شَرٌّۭ لَّهُمْ ۖ سَيُطَوَّقُونَ مَا بَخِلُوا۟ بِهِۦ يَوْمَ ٱلْقِيَٰمَةِ ۗ وَلِلَّهِ مِيرَٰثُ ٱلسَّمَٰوَٰتِ وَٱلْأَرْضِ ۗ وَٱللَّهُ بِمَا تَعْمَلُونَ خَبِيرٌۭ

And let not those who [greedily] withhold what Allah has given them of His bounty ever think that it is better for them. Rather, it is worse for them. Their necks will be encircled by what they withheld on the Day of Resurrection. And to Allah belongs the heritage of the heavens and the earth. And Allah, with what you do, is [fully] Acquainted.

Anomalies in the conduct of Jews were mentioned at the beginning of Surah 'Al-` Imran (21-25). The text now reverts back to the same subject. The verses cited above carry related topics. In between, there are words of comfort for the Holy Prophet ﷺ as well as those giving good counsel to Muslims.

Commentary

The first (180) of the seven verses (180-186) appearing here repudiates miserliness and carries a warning for those who practice it.

The Definition of Miserliness and the punishment it brings

In the terminology of the Shari` ah of Islam, miserliness (بُخل Bukhl) refers to the act of not spending that which it is obligatory to spend in the way of Allah. Therefore, miserliness is forbidden (haram). Besides, it carries a stern warning of Hell for its practitioners. As for occasions where spending is not obligatory (wajib) but only recommended (mustahabb), then not spending there is not included under the miserliness which is forbidden. However, this too is called miserliness in its general sense. As said earlier, this kind of miserliness is not forbidden (haram) but against the preferred choice (khilaf aula) it certainly is.

Appearing in Hadith, there is another word - شُّحَّ Shuhh - also used in the sense of بُخل Bukhl or miserliness. By definition, it means not spending what it was obligatory to spend - one may go even farther than that by remaining consumed with greed to increase one's wealth. This then, shall be a crime much more severe than ordinary miserliness. Therefore, the Holy Prophet ﷺ said:

لا یَجتمِعُ شُحُّ و ایمانُ فی قَلبِ رَجُلِ مُسلِم ابَدا

That is, miserliness (Shuhh) and faith (Iman) can never coexist in the heart of a Muslim. (Qurtubi)

The punishment for miserliness بُخُل (Bukhl) mentioned in this verse: 'They shall be forced, on the Doomsday, to put on round their necks the shackles of what they were miserly with' has been explained by the Holy Prophet ﷺ in the following words reported by Sayyidna Abu Hurairah ؓ

'Anyone Allah blessed with some wealth and who did not pay the zakah due on it properly will find his or her wealth turn into a deadly snake shackled round the neck chomping at the person's mouth from one to the other end of the lips and saying: 'I am your wealth. I am your capital gain.' Thereafter, the Holy Prophet ﷺ recited this verse (180). (Al-Nas'i, from Tafsir al-Qurtubi)

Aal-i-Imraan 3:180Listen in Qur'an →

Commentary: Maarif-ul-Quran by Mufti Muhammad Shafi. Qur'an text and translation via AlQuran Cloud.