৬৭. তিনি
তো তোমাদের সৃষ্টি করেছেন মাটির দ্বারা, অতঃপর শুক্রবিন্দু দ্বারা,
অতঃপর জমাট রক্ত দ্বারা,
অতঃপর তোমাদেরকে বের করেন শিশুরূপে, অতঃপর তোমরা
যৌবনে পদর্পণ কর,
অতঃপর বার্ধক্যে উপনীত হও।
তোমাদের কারও কারও এর
পূর্বেই মৃত্যু ঘটে এবং তোমরা নির্ধারিত কালে পৌঁছ এবং তোমরা যাতে
অনুধাবন কর।
Ayat 67. Allah, it is Who has created you (Adam) from dust, then from a Nutfah
[mixed semen drops of male and female discharge (i.e. Adam's
offspring)] then from a clot (a piece of coagulated blood), then brings
you forth as children, then (makes you grow) to reach the age of full
strength, and afterwards to be old (men and women), though some among
you die before, and that you reach an appointed term, in order that you
may understand.
Tafseer of Surah Al Mumin (The Believer) 67. It is He Who has created you from dust then from a sperm-drop, then from a leech-like clot; then does he get you out (into the light) as a child: then lets you (grow and) reach your age of full strength; then lets you become old, though of you there are some who die before; - and lets you reach a Term appointed; in order that ye may learn wisdom. Cf. this passage with 22:5. The various stages of man's physical life are: (!) first, simple matter (dust); (2) the sperm-drop in the father; (3) the fertilized ovum in the mother's womb; (4) out into the light, as a human child; (5) youth and full maturity; (6) decay; and (7) death. In some cases the late stages are curtailed or cut off; but in any case, a Term appointed is reached, so that the higher purpose of Allah's Will and Plan may be fulfilled in each given case, that man "may learn wisdom".
Hazrat Abdullah bin Masud (May Allah be pleased with him) reported: Messenger of Allah 
[SAWW](PBUH),
the truthful and the receiver of the truth informed us, saying, "The
creation of you (humans) is gathered in the form of semen in the womb of
your mother for forty days, then it becomes a clinging thing in similar
(period), then it becomes a lump of flesh like that, then Allah sends
an angel who breathes the life into it; and (the angel) is commanded to
record four things about it: Its provision, its term of life (in this
world), its conduct; and whether it will be happy or miserable. By the
One besides Whom there is no true god! Verily, one of you would perform
the actions of the dwellers of Jannah until there is only one cubit
between him and it (Jannah), when what is foreordained would come to
pass and he would perform the actions of the inmates of Hell until he
enter it. And one of you would perform the actions of the inmates of
Hell, until there is only one cubit between him and Hell. Then he would
perform the acts of the dwellers of Jannah until he would enter it.'' [Muslim Book 33, Chapter 01, Hadith # 6930].
Lesson: as mentioned above in Surah Al-Mumin Ayat 67. Allah, it is Who has created you (Adam) from dust, then from a Nutfah” "This Hadith deals with the problem of fate in which Faith is essential. What it means is that Almighty Allah already knows about every person, whether he will be pious or impious, whether he will go to Jannah or Hell. He has already recorded all this. But it does not mean that man is absolutely helpless and is deprived of will and power, as is believed by some deviant sects who have gone astray. Fate is in fact a manifestation of the Knowledge of Allah and it has nothing to do with the will and intention of a person. Allah has not created man as a helpless creature, but has endowed him with the freedom of will and action, because in the absence of these two qualities, there would be no justification for his trial. He could only be put to test if he was granted not only the ability to choose between good and evil but also the freedom to act. For this purpose, Almighty Allah, has clearly indicated to man both the paths and granted him freedom to choose whichever he likes. He has also told him the ultimate end of each. The Noble Qur'an says: "Verily, We showed him the way, whether he be grateful or ungrateful". {76}Surah Al-Insan [Man]: Ayat 3) "Then whosoever wills, let him believe; and whosoever wills, let him disbelieve". {18} Surah Al-Kahf [The Cave] : Ayat 29). But by mentioning this Hadith in the chapter relating to the fear of Allah, Imam An-Nawawi has warned that we should be fearful of Allah, pray for His Help, and an auspicious end of our life. He has advised us to adopt whatever means are available to us. In other words, we should make Faith and piety a way of life because one can find the means and resources according to one's capacity. Since nobody knows the result of his endeavors, one should leave it to Allah and rest assured that He Who has created him with a purpose will also create the ways and means to attain it. He who adopts piety, the ways to piety will open for him; and he who adopts evil, the ways to evil will open for him. A Muslim should never go towards evil at any stage of his life, lest his life comes to an end suddenly and he is deprived of the reward of all the good deeds he has done during his life and consequently he is consigned to Hell rather than Jannah. May Allah save us from a bad end and such actions which lead one to Hell.
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