ads

Slider[Style1]

Style2

Style3[OneLeft]

Style3[OneRight]

Style4

Style5

Sharia: Barbaric or Perfect?

Sharia is the complete code of Islamic law, which pertains to the rights and duties of the Muslims. It regulates the lives of the people. It is comprehensive and includes from the minutest details of eating, drinking and dressing to the complex details of law making.
Islamic Sharia Law

The word "Sharia" literally means "the clear path to follow." 

The Islamic Sharia is derived from four sources.
The first source is the Glorious Qur'an. The Qur'an is the last and final revelation of Almighty God revealed to the last and final Messenger of God Prophet Mohammed The Qur'an is the word of God and is also called "Furqaan", the criteria to judge right from wrong. It was revealed in a span of approximately 23 years to Prophet Mohammed through Archangel Gabriel fourteen hundred years ago. It contains 114 surahs or chapter and more than six thousands signs or verses. The Glorious Qur'an was revealed in Arabic, but the scholars have translated it into almost all the major languages  of the World.
The second source  is the Sunnah, which means the way of the Prophet, the authentic sayings of the Prophet. They act as a commentary of the Qur'an and are supplementary to it. Allah says in the Qur'an in several places including Sura Nisa Chapter 4 Verse 15 "Obey Allah, Obey the Messenger." Obey the Messenger means follow the Sunnah of the Prophet. Many a times for the details of the prophet's commandment we have to look into the life of the Sahabas, the companions of the Prophet. The Prophet said that first look in the Qur'an, then at my example and then if you want more details, look at first three generations of Muslims called Salaf-e-Saleheen.
First the Sahabas (the companions of the Prophet), who saw the Prophet, lived with him and died as believers. Then comes the next generation Tabiyen and then comes the third generation Tabetaiyen. So if there is difference of opinion regarding the Sunnah, you have to look at the lives of the Salaf-e-Saleheen (first three generations). So the Sunnah the Prophet (the authentic sayings) are the second source of Sharia.
The third source is the Ijma that is the consensus of opinion of the companions of the Prophet, followed by the consensus of opinion of the Salaf-e-Saleheen and is followed by the consensus of opinion of the Muslim Jurists of the first three centuries of the Hijara.
The fourth source of Sharia is Qiyas, which means to judge and come closer. If you can't find any direct indication in the Qur'an or in the Sunnah of the Prophet or in the Ijma, then you can use your own logic to try and find the answer based on the verses of the Qur'an or the Sayings of the Prophet or the Ijma using analogy. But Qiyas can only be used in a Islamic state, where proper Islamic Sharia is followed.
So there are four sources of Sharia. The first and highest in authority is the Qur'an, the word of God. The second is the life style of the Prophet. Third is the Ijma and fourth is Qiyas.

The Islamic Sharia is a complete of conduct and a complete way of life. But unfortunately the media and the critics of Islam present the Islamic Sharia as barbaric. Most of their allegations revolve around two aspects. The first aspect is the punishment in Islam. They show a poster or the front cover of a book of a man being whipped. The second aspect is the women in Islam. They may show a woman in Hijab and say she is subjugated.


Punishment in Sharia:

Most of the religions only speak good things, but Islam besides speaking good things it shows us a practical way to achieve that state of goodness.
For instance, all religions says that you should not rob. But Islam goes a step further and tells us how to stop robbery. The third pillar of Islam is Zakat that every rich person, who has the savings more than 85 grams of Gold, should give 2.5% of that saving every lunar year in charity. If every rich human being gives charity, poverty would be eradicated from the world and not a single person would die of hunger. God says in the Qur'an in Surah al-Hashr Chapter 59 Verse 7 that Zakat (obligatory) has been prescribed, so that it may prevent the wealth from circulating only in the hands of the rich people. Obligatory Charity (Zakat) is a part of Islamic Sharia. All the rich people have to pay 2.5% of their savings every lunar year in charity.
And after that Allah says that you should not rob. If anybody robs after that Allah says in the Qur'an Sura Maidah 5 Verse 38, "As to the thief, be it a man or woman chop off his/her hands as a punishment from Allah." Many people think that if they go to Saudi Arabia, where this law is practiced, every second person they would see with chopped hands:) But in fact if you go to Saudi Arabia, you may hardly see or more likely never see anyone with hands chopped because the law is so strict that a potential thief would think ten times before robbing.
The Islamic gives you advice that don't rob, but not everyone would not follow this advice. So what is the solution? The solution is that there has to be a punishment.
Though an advanced country America has one of the highest rate of theft and robbery in the world. If Islamic Sharia is implemented in USA that every rich person should give 2.5% of his savings in charity every lunar year. Then impose the law that anyone who robs his/her hands should be chopped off. I ask you will the rate of theft and robbery in America increase, decrease or remain the same? Definitely it will decrease. It is a practical law and you will get results as soon as it is imposed. We make laws to get results not only to be mentioned in books.
You may argue that since so many people are robbing, we will have to cut the hands of thousands of people. But what you fail to realize that the moment the law is imposed except a few all others would stop robbing because of the severity of the punishment. The moment you implement the Sharia, the punishment need not be implemented. It may be implemented once in a blue moon.

People fail to realize that the Islamic Sharia is perfect. Therefore does not mean that if a poor steals bread it does not mean his hands would be chopped off. Only if you rob or steal a particular big amount, then it is implemented. It is the duty of the Islamic state to provide food to him, it is the duty of the Muslim Ummah, the Muslims.
That is the reason the least rate of robbery in any part of the world is in Saudi Arabia, where this law is practiced.
This was just an example of punishment in the Islamic and the logic behind it.


Women in Islam:

Unaware of Women's Rights in Islam, the critics of Islam claim that women are subjugated in Islam. These critics say that in Islam the men and women are not equal.
In Islam men and women are equal, but they are not identical. Our Creator has made the men and women biologically, physiologically and psychologically different. Depending upon biological, physiological and psychological makeup our Creator has given different roles to men and women. In many aspects men and women are equal. In some aspects women have a degree of advantage. In some aspects men have a degree of advantage. But overall men and women are equal.
For instance, it is mentioned in Sahih Bukhari Vol 8 Book of Aadab Chapter 2 Hadith 2 that once a man asked Prophet Mohammed (peace be upon him) that who deserves the maximum love and companionship in this world. The prophet said your mother. The man asked after that who? The prophet repeated your mother. The man asked again after that who? The prophet again repeated your mother. Once the man asked after that who? The prophet answered your father. So it means as far as love and companionship of the children is concerned the mother gets three times more than the father. Here the women have a degree of advantage.
Suppose, if a robber enters my house, I would not say that I believe in Women's liberalization. I will not tell my mother, sister or wife to go and fight. Since Allah has given us, men a degree of advantage in physical strength. It is our duty to protect and support the women.
In this post, I will only answer a few questions about women in Islam. For more answers refer to the post  Frequently Asked Questions About Women in Islam.
Another common objection is that the Islamic Hijab is not for modesty and it is for subjugating the women. If we look around us today, the level of modesty keeps on differing from individual to individual depending upon the surronding and society. For instance, in certain Muslim Arab countries even looking and staring at a woman is considered immodest. In India you can look at woman. You can talk to her it is considered modest. But if you touch her it is considered immodest. Therefore the Indian greetings is with folded handed. In certain Western countries touching a woman and shaking hands with her is modest, but kissing a woman is considered immodest. In some Western countries kissing a woman on the cheeks, on the lips is considered modest. In certain Western countries, the man and woman can do whatever they want with eachother's permission and it is considered modest. If a woman wears mini skirts and short in USA, it is considered modest. But if a woman wears the clothing in the Indo-Pak subcontinent, it is considered immodest.
So who is to decide what is modest and what is immodest? The best one to decide is our Creator, Allah, God Almighty.
If we look at the history, we would come to know about the low status the women were given to the extent that they were denied basic human dignity.
In Babylonian Civilization, the women were degraded and were denied all rights under the Babylonian law. If a man murdered a woman, instead of him being punished, his wife was put to death.
Greek Civilization is considered the most glorious of all ancient civilizations. Under this very ‘glorious’ system, women were deprived of all rights and were looked down upon. In Greek mythology, an ‘imaginary woman’ called ‘Pandora’ was considered the root cause of misfortune of human beings. The Greeks considered women to be subhuman and inferior to men. Though chastity of women was precious, and women were held in high esteem, the Greeks were later overwhelmed by ego and sexual perversions. Prostitution became a regular practice amongst all classes of Greek society.
When Roman Civilization was at the zenith of its ‘glory’, a man even had the right to take the life of his wife. Prostitution and nudity were common amongst the Romans.
The Egyptian considered women evil and as a sign of devil.
Before the spread of Islam in Arabia, the Arabs looked down upon women and very often when a female child was born, she was buried alive, but after the Qur'an was revealed this evil practice stopped.


Islam is the first religion and Prophet Mohammed (peace be upon him) is the major benefactor, who uplifted the women and gave them their due rights. After gaving rights to the women, Islam also showed them the way how to maintain their rights, their status and their modesty. That's why Hijab was prescribed. People normally talk about Hijab for women, but in the Qur'an God Almighty first speaks about Hijab for Men and then for women. God Almighty says in the Qur'an Chapter 24 Verse 30 “Say to the believing men that they should lower their gaze and guard their modesty.” The moment a man looks at a woman and if any brazen or unashamed thought comes to his mind, he should lower his gaze.
The next verse of Qur'an Chapter 24 Verse 31 speaks about the Hijab for Women. “ And say to the believing women that they should lower their gaze and guard their modesty; that they should not display their beauty and ornaments except what (must ordinarily) appear thereof; that they should draw veils over their bosoms and not display their beauty except to their husbands, their fathers, their husbands’ fathers, their sons...” And a long list of Mehrams, whom she can't marry.


There are six criteria for observing Hijab.
1. First is the extent, which is different for men and women. For men the extent is from the navel to the knee. For women the complete body should be covered. The only parts, which can be seen are the face and the hands till wrists.
The rest of the criteria are the same for both men and women.
2. The clothes worn should be loose and should not reveal the figure.
3. The clothes worn should not be transparent such that one can see through them.
4. The clothes worn should not be so glamorous as to attract the opposite sex.
5. The clothes worn should not resemble that of the opposite sex.
6. The clothes worn should not resemble or be a sign of the unbelievers.
God Almighty says in Sura Ahzab Chapter 33 Verse 59 “O Prophet! Tell thy wives and daughters, and the believing women that they should cast their outer garments over their persons (when abroad); that is most convenient, that they should be known (as such) and not molested. And Allah is Oft-Forgiving, Most Merciful.


Hijab has been prescribed for the women so that it will prevent them from being molested. Suppose two sisters who are twins, and who are equally beautiful, walk down the street. One of them is wearing the Islamic hijab i.e. the complete body is covered, except for the face and the hands up to the wrists. The other sister is wearing western clothes, a mini skirt or shorts. Just around the corner there is a hooligan or ruffian who is waiting for a catch, to tease a girl. Whom will he tease? The girl wearing the Islamic Hijab or the girl wearing the skirt or the mini? Naturally he will tease the girl wearing the skirt or the mini. The Qur’an rightly says that hijab prevents women from being molested. After that if any man rapes any woman, he should be given capital punishment, death penalty. Some people object saying death penalty is barbaric and Islam is a barbaric religion. I ask them. God forbid! If someone rapes their mother and the rapist is brought in front of them, what punishment will they give him? Everybody would say death penalty. Then why this double standard. When someone rapes their mother, death penalty and if someone else's mother is raped, death penalty is barbaric?
According to a FBI report, in the year 1990, every day on an average 1756 cases of rape were committed in USA alone. Americans got bolder by the year 1996. According to the US department of justice in the year 1996 every day on an average 2713 cases of rape were committed. It is a rape in every 32 seconds. For how many minutes have you been reading this post? Maybe about 5 minutes, in these 10 minutes about 8 to 9 rape cases may have taken place in USA. I ask you! If you implement the Islamic Sharia that if any man looks at woman and any brazen thought comes to his mind, he should lower his gaze. The women should wear the Islamic Hijab, the complete body covered except the face and the hands till wrists. After if any man rapes a woman, he should get capital punishment, death penalty. I ask you, will the number of rapes in the US increase, decrease or remain the same? Naturally, it will decrease. Islamic Sharia is a practical law, which gives positive results as soon as implemented.


Marrying 4 Wives in Islam:

There are many critics, who say that Islam is barbaric because it allows a man to have 4 wives. Qur'an is the only religious scriptures on the face of the earth, which says marry only one. No other religious scripture says marry only one, not the Bible, not the Vedas, not Bhagwad Geeta. No religious scripture says this except the Qur'an.
It is mentioned in Ramayan that the father of Sri Ram, King Dashrat had more than one wife. It is mentioned in Vishnu Sutra Chapter 24 Verse 1 that a Brahman can have 4 wives. If you read Mahabharat, how many wives did Sri Krishna have? Shri Krishna had 16,108 wives. When Sri Krishna could have 16,108, why can't we have 4 wives? If you read the Old Testament, Suleman had 4 wives, Abraham had 3 wives. In the Jewish religion you can marry as many wives as you can.  Later on in the 10th and 11th century Rabbi Gershom ben Yehudah passed a synod that a Jew should marry only one wife. The Jewish Sephardic communities living in Muslim countries used to marry more than one wife as late as 1950. According to the Bible a Christian can marry as many wives as he wants. Nowhere the Bible says marry only one. It is later on that the church said that a Christian should marry only one. Hindu religious scriptures allow a Hindu to marry as many women as he wants. It is the Indian Penal Court, which passed a Hindu Marriage Special Act in 1954 saying Hindus should marry only one. According to the the 1975 census of India, the percentage of polygamous marriages between the years 1951 and 1961 was 5.06% among the Hindus and only 4.31% among the Muslims in India.
Lets analyze what does the Qur'an say. Allah says in the Qur'an Sura an-Nisa Chapter 4 Verse 3 "Marry women of your choice in twos, threes or fours, but if you can't do justice then marry only one." This verse "Marry only one" is only being mentioned in Qur'an", but marrying more than one is only allowed if you can do justice between the wives. Otherwise you can't. In fact marrying more than one wives is not compulsory in Islam. It is only optional. Lets analyze what is the logic behind allowing a man to marry more than one wife. By nature male and female are born in equal proportion, but any pediatrician would tell you that in the pediatric age itself more male children die as compared to females children. Because a female child has more immunity than a male child. As life goes on more males die in wars and accidents, more males die due to alcoholism and cigarette smoking. Today there are more females in the world than males. Only in a few third world countries due to the evil practice of female foeticide and infanticide. Fetuses are aborted after they are identified as females. If this evil practice stops then even in these third world countries the number of females would exceed that of males. In USA alone there are 7.8 million females more than males. In UK there are 5 million females more than males. In Germany alone there are 4 million females more than males. In Russia alone there are 9 million females more than males. And God Almighty alone knows how many females are more than males throughout the world. Suppose even if I agree with the person, who says that men should marry only one and suppose my sister or his sister lives in USA. Every man finds a partner for himself. Yet there would be 7.8 million females without any partner. The only options for these females would be to marry a man, who already has a wife, or become public property. Though the word "Public Property" is harsh, yet it is the most sophisticated word I can use. Any modest woman would prefer being the wife of a man who already has a wife rather than becoming public property. In the Western countries having a Mistress is very common. One can have as many mistresses as he wants. American statistics say that an American man has 8 sexual partners on average before settling down with one. Having on average 8 mistresses goes down their throat, but having more than one wife does not go down their throat. If we compare, a mistress is degraded and does not have any rights while a second wife is protected, gets her due rights and gets honor. The reason Islam allows some men to have more than one wife is to protect the modesty of women, not to degrade her.


In Islam women are considered as a "Mohsina" as a fortress against the devil, unlike other religions where she is considered a sign of the devil. Prophet Mohammed (peace be upon him) said in Sahih Bukhari Volume 7 Book of Nikaah Chapter 3 Hadith 4, "O young people, whoever has the means to get married, should get married." The prophet said, "There is no Monasty in Islam." The prophet also said that whoever marries, he completes half his deen. That does not mean that if you marry twice, you complete your full deen. The prophet meant that marriage protects you from fornication, pornography, homosexuality and adultery, which are harmful for the society. Only if you marry you have a chance to become a husband or wife and a father or mother, which are important duties in Islam. So whether you marry once or twice, you only complete half your deen. The prophet also said, "Anyone who does not marry is not of me." In Sura an-Nisa Chapter 4 Verse 21, the Qur'an describes Nikaah as a Meesakh, a sacred covenant. And for marriage to solemnize the permission of both the would wife and husband is compulsory in Islam. It is mentioned in Sahih Bukhari Volume 7 Book of Nikaah Chapter 69 Hadith 49 that Once a lady by the name of Hansa Bint Khadima Al Ansaria approached the prophet and said that her father has forced her to marry a man, she does not like. And the prophet nullified the marriage.


In Islam for a marriage to solemnize Mehr is compulsory. The would-be husband should give an amount of marital gift to the would-be wife. In the Indo-Pak subcontinent the bride has to give an amount of dowr to the bridegroom. In Islam demanding dowry directly or indirectly is prohibited. You can not say that my son likes driving a Mercedes car or living in a 3 bedroom apartment indicating you want a Mercedes car or a 3 bedroom apartment in dowry. Demanding dowry directly or indirectly is prohibited in Islam. Willingly if the parents of the bride give you something as a gift, there is no problem. In fact in Islam the man gives dowry to the wife. This is how Islam protects the status of women.
Allah says in the Qur'an in Sura an-Nur Chapter 24 Verse 4 that if anyone lays an allegation against the modesty of a woman and if he can not support it with 4 witnesses, he gets 80 lashes. Suppose if he gets 4 witnesses and if any of those 4 witnesses falter during cross examination, they get 80 lashes each. Some may say 80 lashes is barbaric, So is laying a allegation against the modesty of a woman not barbaric? So it depends on what is barbaric to you.
The rule of the Islamic Sharia protects and uplifts the modesty of women, unlike the Western Culture which in the name of women's liberalization has actually degraded her to the status of concubines, mistresses and society butterflies, which are hidden behind the colorful screen of art and culture. They are selling their daughters; they are selling their mothers. The famous ad, which I have heard about, shows a girl standing in a bikini in front of a BMW car, which is famous among the youngsters and the caption says, "Test Drive Her Now." Who the girl or the car? They are selling their mothers and daughters. We in Islam protect our women. We love them. We revere them. We respect them and we honor them. We do not want to sell them.

Why women inherit half the share as compared to men in Islam?

Furthermore they ask why women inherit half the share as compared to men. Several verses of the Qur'an deal with the matters of inheritance. There are some instances, where females inherit more than that of males, but as a whole I agree that men inherit double than that of women. It is because in Islam women are financially more secure than men. In Islam, it is the duty of the father and brother before she is married and it is the duty of the husband and the son after she is married to look after her lodging, boarding and clothing. So after laying the whole financial burden on the shoulders of men, Allah has to be just because Allah is never unjust in the least degree.(Qur'an 4:40) Suppose if a man dies and after giving away other shares, $15,000 are left. According to Islam the son gets $10,000 and the daughter gets $5000. Now I ask you! Would you prefer getting $10,000 and spending $9000 on the family as men have to look after the family. Or would you prefer getting $5000 and not spending even a single penny even on yourself and sit back and enjoy from your brother's share as well. See! We Muslim men should be complaining, not the women:)


There is a misconception not only among Non Muslim, but even among Muslims that any war fought by any Muslim for any reason is called Jihad. Jihad does not mean any war fought by any Muslim for any reason.

The word "Jihad" comes from the Arabic root word "Jahada" which means "to strive, to struggle".

In the Islamic Sharia, Jihad means to strive against one's own evil inclinations, to strive to make the society better, to strive in the battlefield in self-defense or against tyranny and oppression. Jihad means to strive, to struggle. Many people translate Jihad as "Holy War", but if we translate the word 'Holy War' into Arabic, it is "Harbon Muqadasa". The word 'Harbon Muqadasa' does not occur anywhere in the whole Qur'an or any Hadith of the prophet. So Jihad is not Holy War. The word 'Holy War' was first used by the orientalists to describe the crusades, when the Christians conquered many countries and killed thousands of people in the name of Christianity. One of the types of Jihad is fighting (Qital), which is only allowed in self defense and against tyranny and oppression.

The critics of Islam pick up verses of the Qur'an out of context saying that Qur'an says that everywhere you find a Kafir kill him.

The most misquoted such verse of the Glorious Qur'an is that of Sura Tauba Chapter 9 Verse 5. If you start reading from the first verse of Chapter 9, you would get the context. There was a peace treaty between the Muslims and the pagans of Makkah and it was unilaterally broken by the pagans of Makkah. In the Glorious Qur'an Chapter 9 Allah tells the pagans of Makkah to put the things straight in a period of 4 months or it is declaration of war and in the battlefield fight them and if required kill them. So Qur'an 9:5 is revealed in the battlefield. In order to boost up the morals of his soldiers any Army General would tell his soldiers to fight the enemy and kill them. He will not tell them to get scared and run away. These critics do not quote the verse 6, but jump to verse 7. Why? Because Verse 6 has the answer to their allegation. Verse 9:6 of Qur'an says that if the enemies want peace, grant them peace and escort them to a place of security so that they may hear the word of God Almighty. The most generous Army General today would say, Leave the enemy. But Allah says escort/take the enemy to a place of security.


All major religious scriptures talk about fighting against falsehood.

Same thing is mentioned in the Bible. Book of Exodus Chapter 22 & Chapter 32 talk about fighting. Book of Numbers Chapter 31 talks about fighting. Even Jesus Christ tells his disciples to take the sword and go and fight in the Gospel of Luke Chapter 22 Verse 36 and in Gospel of Mark Chapter 14 Verse 47. Same in the Hindu Scriptures. Marbharat is all about fighting. Bhagwad Geeta, the most widely read Hindu scripture is an advice that Shri Krishan gives to Arjun to fight. Arjun says in Bhagwad Geeta Chapter 1 Verse 43-46 that how can I fight my cousins. I would prefer getting killed unarmed than fighting my relatives. Shri Krishna tells Arjun in Bhagwad Geeta Chapter 2 Verses 2 & 3 that how can such impurities come into your mind that you don't want to fight? How can you become so impotent? Shri Krishna further says in Bhagwad Geeta Chapter 2 Verse 31-33 that you are a Shatriah. You should fight. Only if you fight you will get paradise.
When I quote Luke 22 to Christians and Bhagwad Geeta to Hindus, they say, "You know, this fighting about truth afainst falsehood." Same is in the Qur'an about truth against falsehood. Every country has a law. In USA it is prohibited to rob or rape, but still people rob and rape. To stop this every country has a military force, a police force. That is what Qur'an is telling the Muslims that they should also have such a force in their state, which should be ready to fight the enemy. What's the harm?


Jizya, Poll Tax:

People object that why Islam takes Jaziya, tax from Non Muslim? If you know the background of Jizya, you would appreciate it. If the Khalifah (head of state) tells that you should take part in a war, it is compulsory on every Muslim to take part in the war. No matter whether you are a doctor, engineer or lawyer, you have to fight. Jaziya is just about a couple of bucks. When a Non Muslim pays Jaziya, the Islamic State provides him protection and he need not to fight. Jizya is just about a couple of bucks. If one gives me the option whether to go and fight or stay at home and get protection by paying a couple of bucks. I would prefer staying at home and letting others protect me for just a couple of bucks.


Similarly there are various verses about Non Muslims rights in Islam. Allah says in the Qur'an Sura Mumtahina Chapter 60 Verse 8, "as to those Kafirs who do not fight your faith and do not drive you out of your homes, Allah advises you to deal justly with them for Allah does not like those who are unjust." The next verse 60:9, "As to those Kafirs who fight your faith and drive you out of your homes, Allah forbids you to go to them for protection." If a Muslim an innocent Non Muslim, the Muslim is give death penalty. If a Muslim harms a Non Muslim, the Muslim gets punished. If a Muslim robs from a Non Muslim's house, the Muslim robber's hands are chopped. That is Justice.


The Islamic Sharia tells you the good things you should do. Not to rob, Not to rape, etc. But everyone will not follow, then the punishment is laid down. But the complete Sharia also includes the fifth pillar of faith, Belief in the Hereafter, Life after Death. Allah says in the Qur'an Sura Mulk Chapter 67 Verse 2 “It is Allah who created Death and life to test which of you is best in deed." Life after death is compulsory for Emaan (faith). There are many people, who say life after death is illogical. I have already proved Hereafter: Life after Death logically. Many people do bad in this world and do not get punished, but on the day of judgement total justice is done. So if any culprit escapes punishment, he would get punished in the Hereafter as he deserves.
For instance, Hitler incinerated 6 million Jews. Suppose if Hitler had been caught what punishment could you give him. Maximum, Death Penalty. But what about the 5999999 other innocent Jews he incinerated? We can not punish him for all he did, but God Almighty can. On the day of Judgement God can burn Hitler more than six million times in hell-fire. As the Holy Qur'an says in Chapter 4 Verse 56 “Those who reject Our signs, We shall sooncast into the Fire;as often as their skins are roasted through, We shall change them for fresh skins, that they may taste the penalty: for Allah is Exalted in Power, Wise” On the Day of Judgement total justice will be done. Since Life after Death is a compulsory part of Sharia that is why Sharia is perfect.


If you wanna judge Sharia, judge it on the basis of Qur'an & the Sunnah (sayings & tradition of the prophet), not on what individual Muslims do. Because the media picks up the black sheep of the Muslim community and present them as though they are exemplary Muslims. If a 60 years old Arab man marries an 18 year old girl, it comes in the News Headlines. But if a 50 year old Non Muslim rapes a 6 year old girl, it comes in the News Brief. I am aware that there are black sheep in the Muslim community, who do not follow the Sharia and do bad things. Suppose if you give a Mercedes car to a bad driver and he crashes it. That does not mean that the car has any defect. If you wanna know about the car then look at its specifications. In the same way if you wanna know about Islam, read the Holy Qur'an. If you wanna see the car in action, then give it to a good driver. In the same if you wanna see Islam in action, then look at prophet Mohammed (peace be upon him) in authentic sources because he is the apt representation of Islam.

Prohibition Of Alcohol

Alcohol has been the scourge of human society since time immemorial. It continues to cost countless human lives, and causes terrible misery to millions throughout the world. Alcohol is the root cause of several problems facing society. The statistics of soaring crime rates, increasing instances of mental illnesses and millions of broken homes throughout the world bear mute testimony to the destructive power of alcohol.


Prohibition of alcohol in the Qur’an
The Glorious Qur’an prohibits the consumption of alcohol in the following verse:
“O ye who believe! Intoxicants and Gambling, (dedication of) stones, and (divination by) arrows, are an Abomination – of Satan’s handiwork; eschew such (abomination), that ye may prosper.” [Al-Qur’an 5:90]

Prohibition of alcohol in the Bible
The Bible prohibits the consumption of alcohol in the following verses:
a. “Wine is a mocker, strong drink is raging; and whosoever is deceived thereby is not wise.” [Proverbs 20:1]
b. “And be not drunk with wine.” [Ephesians 5:18]


Alcohol inhibits the inhibitory centre
The human beings possess an inhibitory centre in their brains. This inhibitory centre prevents the person from doing things that he considers wrong. For instance a person does not normally use abusive language while addressing his parents or elders. If he has to answer the call of nature, his inhibitory centre will prevent him from doing so in public. Therefore he uses the toilet. When a person consumes alcohol, the inhibitory centre itself is inhibited. That is precisely the reason that an inebriated person is often found to be indulging in behavior that is completely uncharacteristic of him. For instance the intoxicated person is found to use abusive and foul language and does not realize his mistake even if he is addressing his parents. Many even urinate in their clothes. Neither do they talk nor walk properly. They even misbehave.

Cases of adultery, rape, incest and AIDS are found more among alcoholics
According to National Crime Victimization Survey Bureau of Justice (U.S. Department of Justice) in the year 1996 alone everyday on an average 2,713 rapes took place. The statistics tell us that the majority of the rapists, were intoxicated while committing the crime. The same is true in cases of molestation.
According to statistics, 8% of Americans commit incest i.e. one in every twelve to thirteen persons in America is involved in incest. Almost all the cases of incest are due to intoxication of one or both the persons involved. One of the major factors associated with the spread of AIDS, the most dreaded disease, is alcoholism.

Every alcoholic was initially a social drinker
Many may argue in favor of liquor by calling themselves ‘social drinkers’. They claim that they only have one or two pegs and they have self-control and so never get intoxicated. Investigations reveal that every alcoholic started as a social drinker. Not a single alcoholic or drunkard initially starts drinking with the intention of becoming an alcoholic or a drunkard. No social drinker can say that I have been having alcohol for several years and that I have so much self-control
that I have never been intoxicated even a single time.

If a person is intoxicated just once and commits something shameful, it will remain with him for a lifetime.
Suppose a ‘social drinker’ loses his self-control just once. In a state of intoxication he commits rape or incest. Even if the act is later regretted, a normal human being is likely to carry the guilt throughout his life. Both the perpetrator and the victim are irreparably and irreversibly damaged.

Alcohol is prohibited in the Hadith
The Prophet of Islam Muhammad (peace be upon him) said:
a. In Sunan Ibn-I-Majah Volume 3, Book of Intoxicants, Chapter 30 Hadith No. 3371.
“Alcohol is the mother of all evils and it is the most shameful of evils.”
b. In Sunan Ibn-I-Majah Volume 3, Book of Intoxicants, Chapter 30 Hadith No. 3392
“Anything which intoxicates in a large quantity, is prohibited even in a small quantity.”
Thus there is no excuse for a nip or a tot.
c. Not only those who drink alcohol are cursed but also those who deal with them directly or indirectly are cursed by Allah.
According to Sunan Ibn-I-Majah Volume 3, Book of Intoxicants, Chapter 30 Hadith No. 3380.
It was reported by Anas (may Allah be pleased with him), that Prophet Muhammad (pbuh) said:
“God’s curse falls on ten groups of people who deal with alcohol. The one who distills it, the one for whom it has been distilled, the one who drinks it, the one who transports it, the one to who it has been brought, the one whom serves it, the one who sells it, the one who utilizes money from it, the one who buys it and the one who buys it for someone else.”

Diseases associated with alcoholism
There are several scientific reasons for the prohibition of consumption of intoxicants i.e. alcohol. The maximum number of deaths in the world related to any one particular cause is due to the consumption of alcohol. Millions of people die every year only because of intake of alcohol. I need not go into the details of all the ill-effects of alcohol since most of them are commonly known. Below is a simple list of few of the alcohol related illnesses:

1. Cirrhosis of Liver is the most well known alcohol associated disease.

2. Others are Cancer of Oesophagus, Cancer of Head and Neck, Cancer of Liver (Hepatoma), Cancer of Bowel, etc.

3. Oesophagitis, Gastritis, Pancreatitis and Hepatitis are linked with alcohol consumption.

4. Cardiomyopathy, Hypertension, Coronary Artherosclerosis, Angina and Heart Attacks are linked with heavy alcohol intakes.

5. Strokes, Apoplexy, Fits and different types of Paralysis are linked with alcohol intake.

6. Peripheral Neuropathy, Cortical Atrophy, Cerebellar Atrophy are well-known syndromes caused by alcohol consumption.

7. Wernicke – Korsakoff syndrome with amnesia of recent events, confabulations and retainment of memory to old events with different types of paralysis are mainly due to thiamine deficiency due to excessive alcohol intake.

8. Beriberi and other deficiencies are not uncommon among alcoholics. Even Pellagra occurs in alcoholics.

9. Delerium Tremens is a serious complication that may occur during recurrent infection of alcoholics or post operatively. It also occurs during abstention as a sign of withdrawal effect. It is quite serious and may cause death even if treated in well equipped centres.

10. Numerous Endocrine Disorders have been associated with alcoholism ranging from Myxodema to Hyperthyroidism and Florid Cushing Syndrome.

11. Hematological ill effects are long and variable. Folic acid deficiency, however, is the most common manifestation of alcoholic abuse resulting in Macrocytic Anemia. Zeive’s syndrome is a triad of Hemolytic Anemia, Jaundice and Hyperlipaedemia that follows alcoholic binges.

12. Thrombocytopenia and other platelet abnormalities are not rare in alcoholics.

13. The commonly used tablet metronidazole (flagyl) interacts badly with alcohol.

14. Recurrent infection is very common among chronic alcoholics. The resistance to disease and the immunological defense system are compromised by alcohol intake.

15. Chest infections are notorious in alcoholics. Pneumonia, Lung Abcess, Emphysema and Pulmonary Tuberculosis are all common in alcoholics.

16. During acute alcoholic intoxication, the drunk person usually vomits, the cough reflexes which are protective are paralysed. The vomitus thus easily pass to the lung causing Pneumonia or Lung Abscess. Occasionally it may even cause suffocation and death.

17. The ill effects of alcohol consumption on women deserves special mention. Females are more vulnerable to alcohol-related Cirrhosis than men. During pregnancy alcohol consumption has a severe detrimental effect on the foetus. Foetal Alcohol Syndrome is being recognised more and more in the medical profession.

18. Skin diseases are also related to alcohol indulgence.

19. Eczema, Alopecia, Nail Dystrophy, Paronychia (infection around the nails) and Angular Stomatitis (inflammation of the angle of the mouth) are common diseases among alcoholics.


Alcoholism is a ‘disease’
Medical doctors have now turned liberal towards alcoholics and call alcoholism a disease rather than an addiction.
If alcohol is a disease, it is the only disease that:
- Is sold in bottles
- Is advertised in newspapers, magazines, on radio and television
- Has licensed outlets to spread it
- Produces revenue for the government
- Brings violent deaths on the highways
- Destroys family life and increases crime
- Has no germs or viral cause


ALCOHOLISM IS NOT A DISEASE – IT IS SATAN’S HANDIWORK

Allah (swt) in His Infinite Wisdom has warned us against this snare of Satan. Islam is called the “Deen-ul-Fitrah” or the natural religion of Man. All its injunctions are aimed at preserving the natural state of man. Alcohol is a deviation from this natural state, for the individual as well as for society. It degrades man to a level below that of the beasts he claims to be superior to. Hence the consumption of alcohol is prohibited in Major World Religions.

If you have any questions, please drop a comment below.

Please take 5 seconds to Share


Sharia: A Blessing OR A Curse?

This is only a small analysis of the Islamic Sharia Law and we have published another more detailed analysis Sharia: Barbaric or Perfect?
Islamic Sharia Law


Misconceptions About Sharia
People misconcieve Sharia to a sort of mob-justice, which anyone can carry out, which is a myth. Sharia is a complete system of Law and can only be carried out by a court of Law.
Often laws are attributed to Sharia, which really are NOT a part of it. For example, a widespread misconception about Sharia Law is that it punishes the rape Victum and encourages Honor killing. But in fact Sharia does NOT punish the rape victum; it only punishes the rapist. 
At times a positive aspect of Sharia is twisted to give a wrong impression. For instance, Qur'an says in Chapter 24 Verse 4 that if anybody accuses a chaste woman of adultery, then the accuser should bring four witnesses to prove his charge otherwise the accuser would recieve 80 lashes. So in short, it protects chaste women against false charges. But sceptics have twisted to say that a rape victum has to bring 4 witnesses to prove rape, which is non-sense because only the victum's testimony and a medical report proving rape are enough to prove rape in Sharia Law.


If difference of opinion occurs about a certain Islamic law, who decides about its authenticity and application?
A legislative committee of Islamic law experts sits down and decides about the authenticity and application of that law in the guidance of Qur'an and the authentic sayings and traditions of the Holy Prophet. If these two sources lack any instructions regarding that law, the committee looks at the lives of the first three Muslim generations for reference and guidance.


The Islamic Sharia punishments are Severe
I agree, the punishments in Islamic Sharia are in fact severe. But that is the point. The moment you say Sharia is imposed majority of the criminals would stop committing crimes fearing the severity of the punishments. The mere thought of recieving such punishments would discourage any potential future criminal. Only a few criminals would still commit crimes and punishing these few criminals would let millions live in peace.


All religions basically exhort mankind to be righteous and eschew evil. But Islam goes beyond that. It guides us towards practical ways of achieving righteousness and eliminating evil from our individual and collective lives. Islam takes into account human nature and the complexities of human society. Islam is guidance from the Creator Himself. Therefore, Islam is also called the Deenul-Fitrah (the natural religion of Man).


U.S.A has one of the highest rate of Rape
According to a F.B.I report, an average of 1756 cases rapes were committed in USA everyday. This number soon increased to 1900. According to the US Department of Justice in the year 1996 an average of 2713 rape cases were committed Every Single Day. In short, in the year 1996 Every 32 seconds one rape was taking place in America. The F.B.I report of 1990 also said that only 1.6% were ever arrested and only half of them 0.8 ever faced a trial. Many would consider this a good gamble. And the report says that of those people who faced trial 50% received sentences of less than a year’s imprisonment though the American law says rape carries a seven year sentence of imprisonment. For a rapist, the judge is lenient to first time offenders. Imagine a person commits 125 rapes and the chances of being convicted is only once, and 50% of the time the judge will grant leniency and give a sentence of less than a year!


The Islamic Solution
Suppose the Islamic shariah is implemented in America. Whenever a man looks at a woman and if any brazen or unashamed thought comes to his mind, he lowers his gaze. Every woman wears the Islamic Hijab, that is the complete body is covered except the face and the hands upto the wrists. After this if any man commits rape, he gets capital punishment. The question is, will the rate of rape in America increase, will it remain the same or will it decrease? Naturally it will decrease. Islamic Shariah gets results.


Despite its advancements America also has one of the highest rate of crime, theft, and robbery. Suppose the Islamic shariah is implemented in America i.e. every rich person gives Zakat ( 2.5% of his savings in charity above 85 grams of gold every lunar year), which would be spent on the poor (if every rich person in the world starts paying this, poverty will be eradicated and NOT a single person would die of hunger) and every convicted robber has his or her hands chopped off as a punishment. Will the rate of theft and robbery in America increase, remain same or decrease? Naturally it will decrease. Moreover the existence of such a stringent law would discourage many a potential robber.
I agree that the amount of theft that takes place in the world today is so tremendous that if you chop off the hands of all the thieves, there will be tens of thousands of people whose hands will be chopped off. The point here is that the moment you implement this law the rate of theft will decline immediately. The potential robber would give it a serious thought before
jeopardizing his limbs. The mere thought of the punishment itself will discourage majority of the robbers. There will barely be a few who would rob. Hence only a few person’s hands would be chopped off but millions would live peacefully without fear of being robbed. 
Islamic Shariah is therefore practical, and achieves results.


Witnesses in Sharia Law
In modern law people may give false witness and get a light punishment or even escape without any punishment. This encourages bearers of witness. In Sharia if anyone bears false witness and falters in cross examination, he would recieve 80 lashes. The mere thought of 80 lashes would discourage anyone from bearing false witness.


Non-Muslims Under Sharia Law
Islamic Sharia grants Non-Muslims the freedom to freely practice their religion and makes it obligatory on the Islamic Gov't to protect their places of worship. Islamic Sharia even prohibits using bad language about their gods. As Qur'an says in Sura al Anaam Chapter 6 Verse 108 "Revile not ye those whom they call upon besides Allah lest they out of spite revile Allah in their ignorance." Sceptics may ask that why Non-Muslims have to pay poll tax (Jizya)? In every country the citizens pay tax. Likewise in an Islamic country all citizens pay tax. The tax paid by Muslims is called Zakat, while the tax paid by Non-Muslims is called Jizya (poll tax). The Muslims have to pay tax and also do compulsory military service, while the Non-Muslims only have to pay tax and do NOT have to do any compulsory military service. So the Muslims should complain NOT the Non-Muslims.


Women under Sharia Law
To know about women in Sharia, read the posts
Women's Rights in Islam
Answers to Frequently Asked Questions About Women in Islam


You may ask, if Sharia is so effective and full proof then why crimes are committed in the Muslim countries? The answer is that there is NOT a single 100% Islamic country. Muslim countries follow some Islamic principals and do NOT follow the others. Like Malaysia only follows the Islamic Economic System and Saudi Arabia only follows the Islamic Criminal law. (Please note that punishing female drivers is not an Islamic Law.)


The most misunderstood fundamental of Islam is Jihad, which I have already discussed.

The Only Perfect Economic System

As economic awareness spreads around the globe, it is a pleasure to write about the only perfect economic system along with logical, economic and practical reasons for why and how it is the only perfect economic system.

I expect every reader to read this post till the end and logically analyze it maintaining an UNbiased stance.

Interest-free Islamic economic system is partially followed and partially not followed in Muslim countries around the world. The only country, which has followed this system completely in every minute detail is Malaysia. So the application methods in this post are mostly those implemented in Malaysia following the Interest-free Islamic Economic system.
Picture of a protester from October 15 Occupy Amsterdam
The main feature of the Islamic economic system is that it is Interest-FREE.
As the Qur'an says in Sura al-Baqara Chapter 2 Verses 278 & 279
"O ye who believe! fear Allah and give up what remains of your demand for usury if ye are indeed believers. If ye do it not take notice of war from Allah and his Apostle: but if ye turn back ye shall have your capital sums; deal not unjustly and ye shall not be dealt with unjustly."
Qur'an condemn all evil deeds, but never has the Qur'an warned of a war against God Almighty and His Messenger except in the case of taking Interest and Usury.

There are several evils of the interest based economy, the reason why Islam has prohibited it.
For example, if a person takes a loan from a bank and says the cost price of a certain article is 10 dollars and he wants to a profit of one dollar. So the selling price would include the 10 dollars cost price one dollar profit and one dollar interest and the selling price would be 12 dollars. The selling price would go up because of interest and when the selling price goes up the demand comes down and when the demand comes down the supply comes down and as supply comes down production comes down causing labour problem and unemployment.

There is Social INJustice.
For example, if a person takes a loan from the bank and no matter if he earns a profit or goes in loss he has to pay that fixed amount of interest. Even if some natural calamity befalls his family, such as flooding or earthquake, the person still has to pay the loan with the interest and a delay would only increase the amount of interest. It is social injustice.

There is NO social consideration.
Suppose, if two businessmen come to ask for a loan from a modern bank and one businessman wants to start a social or hospital while the other businessman wants to start an alcohol factory or a gambling den. But natural the businessman, who wants to start an alcohol factory or a gambling den would have better returns and the loan given to him would be more secure and he would give a higher rate of interest as compared to the business, who wants to open a school or hospital. Modern days are only interested in getting better and higher returns. That's why they finance gambling dens rather than schools or hospitals. That is why in the 80s thousands of gambling dens were financed by modern banks worldwide. For name sake only a few social projects are financed by modern day banks and the majority of their loans are based on better interest.

Modern banks encourage people to store money and keep the money idle for small fixed return on it every year. In the end, power is concentrated in a few hands, the bankers. That's why a small community of Jews, controlling the major modern banks of the world, are controlling the full world. Because of the modern banking system, power is concentrated in a few hands.

In the same way there are several benefits of Islamic banking. 
As there is NO interest involved, there is profit and loss sharing. So if a person wants to sell his goods, it would only have the cost price and profit in the selling price and instead of 12 dollars, his selling price would be only 11 dollars. If the selling price comes down, the demand increases and if the demand increases the supply increases and as supply increases the production increases resulting in more labour for the people and higher employment. As a result encourages people to work and earn their living.

There is Social Justice in Islamic banking.
If a business takes a loan and goes in loss, the loss is shared by the bank and if he earns a profit, the profit is shared by the bank. If in case any natural calamities befalls him, the Islamic bank gives him more time to repay, unlike the modern bank, where the more time you take to pay the more interest you would have to pay. Many a times if the Islamic bank finds the situation very bad, they even let go off that loan.

There is Social Consideration in Islamic banking.
Islamic bank can NOT give a loan to any businessman, who is doing any activity, which is causing harm to the society. For example, if a businessman wants to start an alcohol factory and approches an Islamic bank for a loan, the Islamic bank will NOT lend him a single penny, NOT even if he promises to give 100% profit to the Islamic bank. In Islamic banking there is social consideration and they encourage projects beneficial for the society, such as building schools, hospitals and nursuries. In short, the Islamic bank encourages the society to improve.

In the Islamic bank, you are NOT encouraged to keep your money idle. You are encouraged to invest your money and be a partner in the business and in the end, power is NOT concentrated in the hands of a few individuals. Because in the Islamic banking the profit and loss are shared by the business, the banker as well as the depositor. The power is equally shared amoung all the people.

The great philospher, Aristortle has beautifully defined Interest as "An earning based on the use of money and NOT on labour, and all such earnings(interests) are against nature."

Lets quickly analyze the objectives of the Islamic economic order before we analyze the theory and practical application of the Islamic economic system.

The Objectives of the Islamic Economic Order
1- Economic well being
2- Universal Brotherhood and Justice
3- Equitable Distribution of Wealth
4- Individual Freedom within the Context of Social Well being

1- Economic well being
Islam encourages a person to enjoy the bounties of God Almighty, to work for his living and refrain from begging.

2- Universal Brotherhood and Justice
Qur'an says in Sura al-Hujurat Chapter 49 Verse 13
"O mankind! We created you from a single (pair) of a male and a female and made you into nations and tribes that ye may know each other (not that ye may despise each other). Verily the most honored of you in the sight of Allah is (he who is) the most righteous of you."
From this we come to know the criteria that the criteria of judgement in the sight of God is NOT wealth, NOT sex, NOT color, NOT caste, but it is "Taqwa" God consciousness, piety and righteousness.

Qur'an says in Sura an-Nisa Chapter 4 Verse 135
"O ye who believe! stand out firmly for justice as witnesses to Allah even as against yourselves or your parents or your kin and whether it be (against) rich or poor: for Allah can best protects all."
According to this we have to stand for truth and justice be it against anybody even against our own selves and sacrifice your own interests.

3- Equitable Distribution of Wealth
Islam is against the philosophy that the wealth should be concentrated in a few hands. The difference between the rich and the poor should be reduced. Otherwise they would become enemies unto eachother. For this, Islam has deviced a system called "Zakat" that every Muslim, who has excess wealth exceeding the amount equal to or more than 85 grams of Gold. This amount is spent on the poor, orphans, needy and so on. If every individual in the world practices this system of "Zakat", NOT a single person in the whole world would die of hunger. Islam teaches to find lawful employment for the unemployed and to pay him a good renumeration.

According to Islam if a person dies his wealth should be distributed amoung his heirs according to the guidelines laid down in Qur'an and Ahadith and it should NOT go to just one or two individuals in the society as it is done today.

4- Individual Freedom within the Context of Social Wellfare
According to Islam man is born free and nobody NOT even the state can abrogate his freedom nor subject his life to strict regmentation. Every individual is free as long as he does NOT harm the society because in Islam the larger welfare of the society takes precendence over the individual freedom.

Working and labour as well as the benefit in business are both important principles of Islam, but working and labour take precedence over the benefit in business. If you are doing business, a big loss can NOT be inflicted to relieve a small loss, nor can a big profit can be sacrificed for a small profit. In short, Islam believes in individual within the context of social welfare.

There are mainly four factors involved in production;
1- Land
2- Labor
3- Capital
4- Organization

1- Land
In both the Modern and Islamic theories, you pay rent on the land.

2- Labor
You pay wages on the labour in both the Modern and Islamic theories.

3- Capital
In the Modern theory, you pay Interest on capital, while in the Islamic theory ther is profit and loss sharing.

4- Organization
In the fourth factor of production, Organization, there is profit and loss sharing in both theories.

So the major difference in the four factors of production is the third factor of Capital. The Modern Theory says that a fixed interest should be charged on the capital, while the Islamic theory says that there is profit and loss sharing on capital. Because Islamic theory does NOT differentiate between the third factor Capital and the fourth factor Organization because the money lent by the bank does NOT belong to the bank itself, it belongs to the depositor. The depositors are the part of Organization and the money deposited in the bank (the capital) should be included in the Organization. In the Islamic theory Capital and Organization are cloved together and there is profit and loss sharing on the capital.

When you have to do business, there are naturally two types of units. One is the surpluss unit, who have excess of wealth, but do NOT know how to spend it. Second is the deficit unit, the people who do NOT have money, but have good ideas for business. The best examples of a surpluss and deficit unit in the Islamic history is Lady Khadijah (may Allah be pleased with her) had excess of wealth, but lacked avenues to spend in and being a female she couldn't travel abroad too much to deal in  business transactions. The deficit unit, in terms of wealth, was Prophet Mohammed (peace be upon him). He had good ideas and access to business avenues, but did not have wealth. So Lady Khadijah (may Allah be pleased with her) gave wealth, which Prophet Mohammed (peace be upon him) invested in business avenues on her behalf and the profit was shared on a fixed pre-determined ration.

The System of Islamic Banking and Modern Banking

Lets analyze the options open for individual depositors to deposit their money in an Islamic bank.

Current Account
The money you deposit in an Islamic bank is utilized with your permission, but if the bank goes in loss, the loss is NOT shared by the depositor. If the bank goes in profit, neither is the profit shared by the depositor. The depositor is interested in only the safety of his money, not profit. The Islamic banks gives you a check book and a slip book with the functions as that of a modern bank.

Savings Account
Even here the depositor is mainly interested in the safety of his money. As the bank gets a profit from this money, the bank can GIFT a partion of that profit to the depositor, if the bank wants, but the depositor can NOT demand a fixed portion.
In Islamic banking, if a bank goes bankrupt then the depositors get their money first and then, the creditors. While in Modern Banking creditors get their money first and majority of the depositors lose their money. So even if you want your money safe, the Islamic banks are preferable and safer than Modern banks.

Investment Accounts
They are similiar to the Fixed Accounts of Modern banks and are further divided into several types

Mudariba (Profit & Loss Sharing)
The depositor deposits a fixed amount of money in the bank for a fixed period of time, which maybe a multiple of three or a multiple of four. Here the surpluss unit is the depositor and the deficit unit is the bank. The bank uses this money to do business with the businessmen and whatever profit the Islamic bank makes, it is divided on a pre-determined ratio, which can be negotiated. In the Islamic Banking of Malaysia, the ratio is 7 part to 3 part, meaning 70% goes to the depositor and 30% is kept by the bank. So there is sharing of profit, the greater the profit the greater the share of each.
Suppose, if there is a loss of a hundred dollars, then hundred would be deducted from the depositor's money. So theoretically only the depositor bears the loss. Practically analyzing even the Islamic bank is going in loss because they are paying money for the rent, administration and salary, but the loss ratio of the bank is less than that of the depositor, as even the profit of the bank is less than that of the depositor.

Project Financing in the MUDARIBA System
If a businessman approaches an Islamic bank with a project idea and asks for a loan for a fixed period, the Islamic bank analyzes the project, then the businessman and the Islamic bank negotiate the profit ratio. In Modern banking interest is negotiated, in Islamic banking profit ratio is negotiated.
Suppose, the businessman takes a loan of $5000 from an Islamic bank for six months and the pre-determined profit ratio is 60% to the bank and 40% to the businessman. If the businessman is working for his business, even his salary would be included in that $5000 and suppose the salary of the businessman is $200 per month.
Suppose, if the businessman earns a profit of $5000, the business would get (his 40%) $2000 from the profit and the businessman would get paid $200 salary per month from the $5000 loan, amounting $1200 for 6 months. So the businessman gets his profit as well as the alary for his labour, if he is working for his business.
But in case of loss, the bank bears the complete loss and in turn passes the loss to the depositors. But technically even the business also goes in loss because he is only paid for labour, NOT for his thinking and ideas.
In Mudariba System, the bank can NOT interfere in the management of the business. The business can NOT tell the businessman to build a 12 storey building instead of a 10 storey building. The bank can NOT tell the business to produce a certain article instead of another article. The bank can NOT interfere in the administration of the business.

MUSHARIQA System (Partnership)
In Mushariqa system or Partnership the Islamic bank can interfere in the management of the business. The bank can tell the business to build a 12 storey building rather than a 10 storey building. The bank can tell the businessman to make a certain product instead of another product. In Mushariqa system the businessman has part of the capital and the other part he takes from the bank. The profit is shared on a pre-determined ratio. Suppose, if the businessman and bank give 50-50% capital, they would get 50-50% profit. But in case of loss, loss is shared on pre-determined ration and the Islamic bank bears more loss. The Islamic bank may have to bear 60% loss, while the businessman would only bear 40% loss.

MUDHABA System
Suppose, you want to purchase a particular machinery from abroad costing $10000, in the Modern Bank you open a LC (Letter of Credit) or a TR (Trust Receipt/Sales Slip) and you deposit the money in the Modern bank and the Modern bank charges you a fixed amount of interest on the time it takes for the transaction. If you deposit the money in an Islamic bank and ask the bank to buy the machinery on your behalf, the Islamic bank would charge you a service charge/commission.
If you do NOT have money to buy the machinery, you can combine MUDHABA System with MUDARIBA System or if you have have the money you can combine the MUDHABA System with the MUSHARIQA System and share the profit on selling that machinery with the bank on a pre-determined ratio.

IJARA (Leasing or Higher Purchasing)
Suppose, you don't to buy a car, you want to rent it. The Islamic bank charges you a certain profit and rents you the car. The price of the car and the profit are divided by the life span of that car to calculate the per month rent. The Islamic bank provides you Ijara ending with sale and also buying back facality. If you don't the car, the Islamic bank buys back the car, a facality which Modern banks do NOT provide.

Interest-free Loan
It is the loan the Islamic bank gives to the poor to do business without charging any Interest at all. There is nothing like Interest-free loan in Modern banking. In the Islamic system of banking in Malaysia 10% of profits are kept separately/ reserved for Interest-free loan for the poor. In Islamic terminology it is called "Karze Hasana" meaning "the good loan".

So Interest-free Islamic Economic System is the only perfect economic system in the world.

Please take 5 seconds to Share this...

Top