But, It is a good act!?

In the Name of Allah,

All praise is due to Allah, the one who guides.

If anyone introduces an innovation, he will be responsible for it. If anyone introduces an innovation or gives shelter to a man who introduces an innovation (in religion), he is cursed by Allah, by His angels, and by all the people.(Abu Dawood Book 39, Number 4515)


You must then follow my sunnah and that of the rightly-guided caliphs. Hold to it and stick fast to it. Avoid novelties, for every novelty is an innovation, and every innovation is an error. (Abu Dawood Book 40, Number 4590)

Many a times I hear Muslims argue over the word Bid'aa (Innovation). One will say to the other that you are creating this Bid'aa in the worship hence causing our religion to change, and the other will say where is the proof. Proof usually is the principle of Fiqh they quote which says "Everything in worship is haram, except what permitted, and every non-worship thing is halal except what is prohibited."

However, this is a mis-understanding that has remained with the scholar for centuries now, because it is almost impossible to differentiate between worship and non-worship acts. And, anyone who likes the innovation will continue to support and find a way to make it not worship, and the other person will try to label it worship.

Today, I would like to present a better version of this Fiqh principle which can benefit Muslims in centuries to come. First we have to understand the reason for Islam to be sent to us. Moreover, human beings were created with basic guidance mechanism which is present inside our conciousness and it can help us guide to success without Islam. However, we also have a tendancy of desire which overshadows our basic guidance. Also, the human being consider something to be fact using six things. Five are the senses and the sixth is the logic.

Humans will time and time again use these six abilities to evaluate cases and decide what to do next. Now, if Allah did not send Islam, Humans can continue to build societies that succeed, as can be seen in Non-Muslim countries, so there is a power in the six abilities, but humans will fall in the trap of desire and go stray from the success. Islam provides the balance in the human societies by prohibiting the things that seems beneficial using the six abilities, but they are not in long term. This is one half of Islam.

Humans also are being of imagination and they would like to imagine things that can not be preceived by the six abilities, and will try to justify them by claiming to have faith on them. Once it becomes the matter of faith other humans can do very little to disprove these, and hence humans keep increasing these imagination as time goes on and it will become the driving force in their lives and mixed with their desires it will bring them back from success. Islam was send to prohibit all forms of faith accepts the faith from Allah. This puts a lid on the addition to the faith and keep it to the faiths that are beneficial for us.

By now, smarter of you have guessed the new principal of Fiqh that can be more clear and precise in defending the innovation which are not beneficial for us.

Yes, "Every belief is prohibited except what's permitted by Allah and his Messenger (PBUH), and every Tangible/Logical thing is halal except what is prohibited."

Proof for the first part is the testimony every Muslim gives "There is no God, except Allah". What we saying is that we will not have faith in anything unseen except what Allah tell us. Proof for second part is proven many times and it is inherited in the verses of the Quran where Allah tell us that everything he created for us is good, and then he told us certain things that are not benefit for us and he created to test us.

So, now if any Muslim wants to add a good innovation has to pass the above test, and prove it to us that it is not a matter of faith but tangible/logical thing that we can perceive. If the innovation turns out to be only a belief on something that can not be perceived, and it is not taught by Quran and Sunnah, it becomes the innovation that is not allowed.

I hope this will help me and others evaluate the opinions of the scholars throughout centuries and find their true standing against Islam.

JazakAllah Khairin

A tangible and logical person who believes in Allah
AbuArman Jumani

Islam as the cure for Global Economy.

In the Name of Allah, the most Beneficent, the Most Merciful.


All praise is due to Allah, the Creator, the Sustainer, the Provider.

"O you who believe! Be afraid of Allâh and give up what remains (due to you) from Ribâ (usury) (from now onward), if you are (really) believers. And if you do not do it, then take a notice of war from Allâh and His Messenger but if you repent, you shall have your capital sums. Deal not unjustly (by asking more than your capital sums), and you shall not be dealt with unjustly (by receiving less than your capital sums). And if the debtor is in a hard time (has no money), then grant him time till it is easy for him to repay, but if you remit it by way of charity, that is better for you if you did but know." (Quran 2:278 - 280)

Note: My presentation will be on "An Ideal Islamic Society" at MAGO on August 15 at 11:30 AM. Please come and support me.

Since I was born, I have seen praise for capitalist system, and seen the wealth it has created in USA and other countries. Banking system flourishing, making loans to businesses, and business able to grow due to that. Money exchanges, treasury bonds, and interest loans are the safest form of investment around the world. So, as a practicing Muslim, when I read the ayahs of Quran above, I am shocked at the harsh language Allah has used to condemn these practices. It just did not compute for me. Of course, I take the words of Allah over my wisdom, and accepted that Usury to be evil, and start walking away from it.

Recently, I started studying about the capitalist system, so I can understand the debt crisis around the world. I would like to share what I have learned. 

—Narrated Ibn 'Umar:The Prophet said, "The selling of wheat for wheat is Riba (usury) except if it is handed from hand to hand and equal in amount. Similarly the selling of barley for barley, is Riba except if it is from hand to hand and equal in amount, and dates for dates is usury except if it is from hand to hand and equal in amount.  (Bukhari 3:34:379)

Ribaa or Usury means asking for unreasonable return in a transaction. In practical terms, it can be two things

1) Asking for return without associating with the use of the investment, so if there is a loss, return is still due making it an unreasonable demand. For example, lending money with a promise to return regardless of the outcome of the investment.

2) Asking for return of same merchandise but in greater quantity. For example, lending money and asking for more money in return as a rent over that money for the duration of time the money will be kept.

Ribaa was forbidden in every system Allah sent, and it is forbidden in Christianity. In 1545, Henry VIII declared "An Acte Agaynst Usurie" which permitted transactions on the above basic principles. On the surface, it is the most ingenious scheme, because it protects the investor, and guarantees a return in form of money. Driven by lust, greed, and power hunger, King Henry VIII and people like him established the banking system which today has become the blood of the global economy. If we were to shut down the banks for a few days, economy will collapse and world would be in chaos.


Today, every country on earth including Kingdom of Saudi Arabia is involve in Usury through central banking system. In central banking system, an independent entity is formed who can print money and give loans with that money. Then, other banks takes loan from the central bank and are allowed to give loans in the amount 10 times the loan they received from the central bank, hence creating money out of thin air. This cycle continues as the receiver of this money in private sector deposit this new money in their bank which in turn multiplies it 10 times and provide loans. At the end of the day, for $1000 of gold backed value becomes $100, 000 of credit money in circulation. In some cases gold is removed, and the central bank is allowed to print as much money as they like to keep the interest rates low. However, the inflation (amount of printed currency) causes the value of the currency to decline and prices for goods and services rise. To control the inflation, central bank may increase the interest rates.


"O you who believe! Eat not Ribâ (usury) doubled and multiplied, but fear Allâh that you may be successful." (Quran 3:130)


Now, since I have confused you completely, lets look at what is at risk here. As you can  notice that monetary system is a pyramid upside down balanced on its tip, so a slight fluctuation of balance will bring the house down, since the money is not there for people who deposited and for the banks to collect their interest in form of cash. For example, if everyone goes and withdraws their money from the bank, the bank will not be able to honor it, and it will be a "run on the bank". If majority of the loans default, bank will fail due to the fake value of assets created by the promise of the borrower. If that happens, insurance company will have to cover for the loss that it can not. This is what happened in September, 2008. Banks failed due to investors selling the promissory note (which already is fake money) multiple times, and people owning the homes walking away from the promise, hence causing investors to loose trillions of the fake money.


Narrated byAbuHurayrah Allah's Messenger (peace be upon him) said, "Usury has seventy parts, the least important being that a man should marry his mother." (Tirmidhi #2826)


So, Allah is all wise, and he understood this fault in the system of Riba and hence forbidden for humans. Now, how many of you are involve in this system? How many of you earn money just by having money sitting in savings account? How many of you borrowed money and promise to return it with more money? Taking and paying interest is like having sexual relation with your mother, which I hope you want to stop. Let us stop this incestuousness.


Now let me present the Islamic Sharia sent by Allah for humans. In this system, all wealth comes from Allah, which means natural resources have value, and it can increase, by the will of Allah, profit can be earned by trading, and currency is backed by Gold in 100% value. No credit is allowed. No increase in value without a service provided. Government collects zakat, Jizya, and Ushoor fort their expenses. No short cuts to become rich. No risk free investment. No exchanges of same commodity in increased value. No living out of means. Of course, I am not listing the complete system here, but the principals, but they have worked before and they can work again. 


http://countrystudies.us/saudi-arabia/44.htm


Saudi Arabia were forced by IMF to setup the monetary system, and then compelled to extend credit beyond the value of gold, then compelled SAMA, the saudi central bank, to loan money to Saudi government. So, the last holdout for Islam has fallen in the swamp, and it gets worst from here. There is no practical Islam left. This can be reversed. I know it can be reversed. We all can do our part, and stop taking and paying interest, and stop investing in the risk free investments, stop spending the money we have not earned yet.


What say you all!!!


And Allah knows best.


JazakAllah Khairin
AbuArman Jumani