#Islam has the #Cure to #economic #inequality #BAD2014

Below is an excellent poem on the current economic model written by Tarek El Diwany:

Those with deadened thinking glands
could not perceive the cheating hands
that Shiteman brought with words of silk
to speak of wealth with King and ilk
That they in need of greater rank
might throng en masse at Shiteman’s bank
to borrow papers newly printed
(Shiteman’s house had no coins minted)

In marble halls on leather hide
Shiteman sat at counters wide
to watch his clients sinking deep
in credit binges newly steeped
And only when the door slammed shut
did Shiteman’s silken words turn smut
for debt collection came next day
with mortgaged assets under sway

Thus pounced the greedy leaden hand
while snoring Princes in their land
saw hard earned toils of ages past
fill bankers’ purse through bailiff’s grasp
Oh what fun that con to play
but Shiteman hid it well that day
for waiting patiently he found
the King himself had debts unsound!

And sure enough did come the grovel
from men of State in language novel
granting Shiteman powers new
in ways whose import struck but few
And by whose deed the King did borrow
sufficient more to last the morrow
till war did force him down at heel
once more in need of Shiteman’s seal

Thus did power pass from Kings
and peoples’ hands to stench filled things
that had no love for honest toil
and only lived by others spoiled
And debt repayment came to rise
above the Sun in most men’s skies
and ruled by fear of repossession
the very soul of life’s expression

By their menace lands would starve
three hundred years of concrete carved
and poison gas would swathe the earth
to cull one-half in deathly dearth
Who would have thought this of the world
when Shiteman’s bastard bank unfurled
on paper slips a solemn promise
to pay in gold (though none was honest)

Protest oh children, while still young,
or has the debt tied up your tongue?
what, hungry now, too tired to speak?
but GDP was up this week!
Then die as data nicely charted
in glossy brochures finely crafted
that tell us much of worldly ills
but mention not the hand that kills

And manufacture disagreement
counting costs but not bereavement
plotting forward better times
though each year’s graph shows downward lines
And knowing well that trap infernal
the cure unsaid in every journal
is that life for which we hanker
means the end for Shiteman banker.

[Please access his very informative website www.islamic-finance.com and make sure you read his book “The Problem With Interest”,]

We have Global economic problem. The poorest 40 percent of the world’s population accounts for 5 percent of global income. Some 1.1 billion people in developing countries have inadequate access to water, and 2.6 billion lack basic sanitation.
For the 1.9billion children from the developing world, there are:
- 640 million without adequate shelter (1 in 3)
- 400 million with no access to safe water (1 in 5)
- 270 million with no access to health services (1 in 7)
10.6 million died in 2003 before they reached the age of 5 (same as children population in France, Germany, Greece and Italy)
1.4 million die each year from lack of access to safe drinking water and adequate sanitation.

Islam’s Macro Economy - Focuses on Distribution: The problem of poverty will not be solved by producing more and more for the rich to consume, rather it will be solved by ensuring that basic need of every individual are satisfied completely. There are enough resources in the world to satisfy the basic need of everyone.

Islam looks at every individual by himself, rather than the total of individuals who live in the country. It looks at him as a human being first, who needs to satisfy all of his basic needs completely. Then it looks to him in his capacity as a particular individual, to enable him to satisfy his luxuries as much as possible.

"After 30 years of rapid growth in agricultural production, the world can produce enough food to provide every person with more than 2700 Calories per day a level which is normally sufficient to ensure that all have access to adequate food, provided distribution is not too unequal." [www.fao.org/docrep/x0262e/x0262e05.htm]

Islam takes care of the Needs:
Umar ibn Abdul-Aziz, the famous Caliph wrote to his agent in Basra, Iraq: "Search for the people of the covenant in your area who may have grown old, and are unable to earn, and provide them with regular stipends from the treasury to take care of their needs." [Abu Ubayd, al-Amwaal, p. 805].

Circulation of Wealth = Duty:
The Qur’an emphasizes that the wealth should not circulate amongst the few. - "That it does not become a commodity between the rich amongst you." [Qur’an 59:7]
- Islam has made the circulation of wealth between all citizens an obligation, and it has forbidden the restriction of such circulation to a certain group of people to the exclusion of others.
Hoarding/monopolizing goods is forbidden. Producers or retailers cannot hoard or monopolize goods in order to cause the price to rise. This is based on the Prophetic tradition: - The Messenger of Allah (God), peace be upon him, forbade that a foodstuff be monopolized.” Athram and Whoever monopolized is a wrongdoer.” [Muslim.]

Islam Removes Interest!
"But Allah has permitted trade and forbidden usury." [Qur’an 2:275]
Interest restricts investment; as it is an impediment to the distribution of wealth.
- In Islam loans are given for ethical reasons with the intention of achieving a reward from Allah (God). The Prophet Muhammad, upon whom be peace said, "Every loan is a sadaqah."
- In capitalism the one who gives the loan, shares the profit but not the loss, this is very unfair and unjust. In Islam, if you want to share the profit then you must share the loss also - this is the model of Partnership or company structures in Islam.

Interest Debts = Crippling Nations

Ali, may Allah (God) be pleased with him, pointed out regarding the preIslamic age:
"We withstood the weight of the Iron, the Stone, and the Lash, but we could not endure the weight of debt."

Islamic Taxation aids the distribution of wealth.
- No income tax 2.4% flat rate tax
- No money in the hands of society
- Economic stimulus to encourage entrepreneurship
- In the US the National Bureau of Economic Research concluded that the combined federal, state and local government average tax rate for most workers is 40% of income. This does not include indirect taxation.

Natural Resources = People’s Resources. Islam teaches people own the natural resources. That way more money is in the hands of society. Wealth is injected in society and not in the hands of corporate elites.
The Prophet Muhammad, upon whom be peace said,  “…people are partners in 3 things: water, pastures and fire.” [Abu Dawud]

Islamic History
During Ottoman Period, 1507, 58 silver aspers can buy 1 gold coin. After 82 years, in 1589, 1 gold coin cost 62 aspers. Only 1% inflation in over 8 decades.

Not only that, Muslims took care of the animals, they were afraid to leave the birds thirsty. This only because of the teachings of our most beloved Prophet, Muhammad, upon whom be immense peace!

As Allah (God) says: "And, We have sent you (O Muhammad - upon whom be peace) not but as a mercy for the worlds" [Qur’an 21:107.]

{These notes are taken from iERA’s Islamic thought webinar that was conducted by our teacher Hamza Tzortzis}


Clothes Line Thinking - It’s amazing what comes into my mind while hanging out the washing!

You are a Muslim woman.  You have talent, skills and experiences that you are dreaming to share with the world.

You have a legacy to build, Your own footprint to leave on this world. You are excited because you know this could really make a difference. You want to make a difference! With all your heart …

The problem is, where do you start? There are so many ideas going around in your heard “What do I start with?” “Will it work?” “Am I good enough?” “How am I going to make this happen?”

So many unanswered questions. Then there are all the experts with programs that teach you this part and that part of the equation, but NO ONE takes you through each step, and piecing it all together is really hard! 

What you really need is someone to take you through it step by step …

So join me for this important webinar where I’ll be showing you:

  • The 11 steps you need to take from beginning to the final sales process
  • The questions you need to ask yourself to make sure you are set up for success
  • The 3 most important pitfalls to avoid so you can succeed!

Signup below. Just click the link and follow the instructions to register.



So I’m here in Port Macquarie and just been through the most amazing experience, the end of really pulling together years of what I’ve been trying to achieve and that is get a business up and running online to serve the Muslim women.

It’s actually really hard to get a business up and running especially with the attitudes out there about women and also the attitude that we really should do everything for free that we should help one another for free.

The problem with that is that firstly no one, really respects what you do if you do it for free. And secondly it’s just not sustainable. I’ve been doing it for years.

And I’ve just had the most amazing experience working with really amazing women over the last few months building a sales funnel, a sales program, a way of getting clients that really works. I’ve done so many programs, you know, Magnify Your Audience, so that I could really, you know, do really good webinars. And what else? It’s too many to number.

None of them gave me the full picture, no one took me from the beginning right through to the end. And none of them gave me the amazing support that I got in this program. And in this program I was taken one step at a time through the whole process from beginning to end.

And guess what? I’m absolutely thrilled to tell you that I have permission to give to you what I’ve been given, which is the way to successfully build an online business and give you awesome support while you do it. And I can’t wait to do that.

You know the saying love for your sister what you love for yourself. Well, I would love for my sisters in Islam to be successful, to really nail it, that’s what I want you to do; I want you to nail it.

So please enter your details below, and let’s get started.



"Don’t put yourself in pressure!"…"Why Kill YOURSELF!"

Assalamu ‘alaykum, I won’t kill you by adding any unnecessary detail in this post… I hope so!

So, today I got the chance to catch my favourite professor Nadia - I wanted to take her advice if I should work at linguistics research centre…she asked me a couple of questions to figure out if it would be convenient for me or not and she advised: Don’t put yourself in pressure! And, she ended the discussion by saying gently, with her beautiful smile: Why kill yourself!

Although, I have short, brief conversations with her and they happen very rarely, but I love her direct advices!

I am blessed to be connected with sincere, concerned individuals. Alhamdoulillah for everything!

taking knowledge from online resources…

Assalamu alaykum, everyone, 

It’s only Allah (God) who teaches us. Anything that I know is only from Allah. The resources I am able to use are only due to the Will of Allah. 

I should be thankful for being allowed to take knowledge from the internet, but I have many many many many complaints. I am thankful that I am not able to attend any Islamic school or madrassah or anything of that nature. There are benefits of taking knowledge from the scholar directly, not only understanding the books but observing their manners and growing in deen by perfecting your manners.But, I am thankful that it’s not written for me, because I see that scholars are being refuted and that really stops me from learning Islam due to doubts. 

Learning Islam online is waaaaaaaaaaaayyyyyyy tooooooooooooo hard, you learn Islam online and you see that the scholars that you take knowledge from are being refuted online. Who are you going to trust? The one who is warning you or the one whom you are being warned from? 

I, the ignorant being, ask Allah to teach me!!!!!!!!!!!!

“How can you disobey #Allah (#God) - the One who taught you…taught you that which you’d no knowledge of?!”
“Muhammad Ibn Bundaar al-Jarjaanee said to Imaam Ahmad: ‘Verily it is hard for me to say: So and so is like this, and so and so is like that.’ So Ahmad said to him: “If I remain quiet and you remain quiet then when will the ignorant man come to know the Saheeh (authentic) from the saqeem (weak)?””
Majmoo’ul-Fataawaa (28/231) and Sharh ’Ilalut-Tirmidhee (1/350)
“Despite all calamities, the Prophet Muhammad, peace be upon him, made positive remarks. #Inspired !!”

Why do we fast?

As-salaamu ‘alaykum,

This piece is from the webinar I attended. It’s all planned by Allah (God) when to learn and what to learn. I had heard one of our professors questioning why do we fast. She is a Muslim, but after so many years gap she has started, restarted fasting, rather. So, she obviously was finding it hard but Al-hamdu Lillah (all Praise and Thanks be to Allah) she has started doing an action that is between her and her Rabb (Lord). Because of my love for her, I really wanted to find an answer for her question and I searched the internet, nothing I could absorb. Allah knows that I didn’t learn from my own search, so Allah decided that I attend iERA’s MuslimNow webinar that is designed specifically for New Muslims, but I go there too.

And,now I canconnect what I learnt in the class. We fast because Allah first raises our status from being nothing worthy of mention to a believer and then Allah tells us that fasting is prescribed for you as it was prescribed for those who came before you. So there is nothing to worry about, it is something you can do it. Then Allah tells us the reason we fast is: So that we have taqwah. And where does taqwah reside? It’s in the heart. So we need to learn the matters of heart and were taught that there is a hole in our heart, if it is not filled with love for Allah, then holes will keep appearing. And, it’s only when we love Allah, then we do everything that Allah loves and is pleased with. It’s only when we love Allah, we remember HIm, subhanahu wa ta’ala, with much remembrance and disobeying HIm causes distress.

Then we planned:

- establish salah, meaning pray as soon as we hear the call to prayer.

- don’t miss the sunnah prayer even if we don’t feel anything, we pray out of love for Allah

- do dhikr, spend quality time mentioning Allah after each salah and dont’ miss the morning and evening words of remembrance. we don’t have machine gun kinda dhikr like subhanaAllah subhanaAllah…. but think of what we are saying and mean it!!

- be generous

- repent as soon as we commit sin, don’t lose hope

- don’t neglect the consistent sunnah which is to enjoin the good and forbid the evil, because if we don’t do that, then we’ll be called to evil.

- be kind to parents, specially mother because we know stories of people who were raised to high status because they were taking care of their mother (take story of neighbour of Musa, alayhi sallam, in Paradise!!)

We do all of these actions out of love for Allah!!!

May Allah accept from all of us and help us die when our Iman is perfected!!

Note please, it’s upto us to plan more, I have included some of the strategies by myself! Don’t forget to learn more how to have control over heart and purify soul…most recommended book on purifcation of the soul is by respected teacher Ibn al-Qayyim al-Jawziyyah (I plan to go through it and ask you to do the same). And, Allah is the one who plans and final decision of each matter rests on HIm, if I find anything more related to the matters of heart and soul, I will definitely share.

Wassalamu alaykum.

“Truth be told, most of the time we talk about people rather than mentioning #Allah (#God) in a gathering!”
“Life is an experiment. One formula doesn’t work on all equations, you must be bold enough to take risk of applying new techniques!”
Wise words of mine :)

This marks the eeeeeeeennnnnnnndddddd….

As-salaamu ‘alaykum,

16th July ‘13 marks the beginning of journey of my life, as Pashtoon at Christian university in Punjab…what a combination! :p

One academic year down…Al-hamdu Lillah And, one more to go…in sha ‘Allah ta’ala.

It was hard for me to ‘survive’ in the beginning, and one of our teacher would say positive remarks and would tell me that ‘you are strong’ they did help me. But she would also say that ‘you need to be diplomatic’ I don’t agree with it, diplomacy is cold code for hypocrisy. But Pakistanis use it in a positive way, you see. Oh Pakistanis English!! I am not being grammar nazi here. I am alright with any and every term Pakistanis use in a creative way from ratafication to ‘tie’ for tea…but the word ‘hostellite’ disturbs me, because it reminds me of my home in Satellite town Quetta. :(

I am very thankful to Allah that I learnt how to forgive those whom I don’t agree with. I had hard time understanding it. I developed the habit of forgiving when I started helping some of my classfellows who had made some rude remarks in the beginning of year. I would refuse to help them, but I knew that Allah will not leave me until I help them and learn how to forgive. That is total transformation for me to help such people!

I would get frustrated when someone would say that because I am from Quetta so it must be easy for me to spend winters here. I would tell them, because you are from ‘garam’ area so it must be easy for you to bear Laahowre da Garmi (Uff Allah!!) :p Sometimes I would say: “Yar polar bear tou nahi hun, jo sardi nahi lagay gi” :P ha-ha

The bestest days of my life were when I met two of my most beloved sisters! Sis Nida and sis Sheli. I met sis Nida on 17th November ‘13, she was the first one who took me to her home in here and my love for Lahore grew a little…it became easy for me to get myself adjusted. No one I had ever seen as generous as her! I loved the fact that her Mum was Pashtoon and I loved conversing with her in my own native language :D

And,sis Sheli is my totally loveliest friend, I met her on 14th January ‘14. Al-hamdu Lillah, I struggled to persuade my local guardians, my ‘younger’ brothers (who are younger than me but they don’t look like) to take me to hers, after so many tears they took me. Well, tears is a weapon that I use when I see nothing is working on my brothers ha-ha Both of my friends are abroad and the one whom I met this year will not come back to Pakistan…I didn’t know that Allah will bless me to meet her. What’s there in meeting? When people meet for the sake of Allah, then they’ll be covered with shade of Allah on the Day of Judgement. So, Al-hamdu Lillah, I pray Allah accept it from all of us!!

The bestest week of my life was February 5th - 7th, 2014, when I attended workshops of two of my teachers: teacher Hamza - the Greek and teacher Adnan - the Historian. I thought it would be an interactive session, but we were not allowed to interrupt. Teacher Hamza asked question, and we were not supposed to answer, but just listen. He asked: “Did those leaders, Malcolm X or Nelson, read books on leadership?” Everyone said: NO. I thought I was being clever and said: Maybe!! “Maybe…I am the one who’s supposed to be teaching you here,” were teacher Hamza’s remarks. But, my most favourite professor praised me for saying “maybe” when one of my classfellows said that this or that is what people do and the prof asked her to say how certain she was, and when I said ‘maybe’ she praised me :p 

And, teacher Adnan’s session was full of historical events and he named few great figures and asked if we knew them. I didn’t. I was too embarrassed and I vowed to myself that I will begin learning about Muslims. I believe, in order to be blessed with victory, it is necessary that we know our roots.

That event had great impact on my life. It was meant for me. Teacher Hamza gave us example of “Ayesha & Fatima” and how we frame people. Those names were chosen in example because there are so many sisters with this name and that’s true, I have both Ayesha and Fatima in my class. And had trouble with Ayesha, specially during those days, but after that advice from brother Hamza, I strive not to give importance to thoughts that come to my mind regarding Ayesha or Fatima or anyone!! I am thankful to Allah for helping me attend that workshop so that it helps me live peacefully with my classfellows. Al-hamdu Lillah.

Of all the things I love about Lahore is my most beloved and favourite professor Nadia (who taught me how to say ‘maybe’ ;-) ) I thank Allah for making it possible for me to have such an AMAZING person as my teacher. She is the one whom I totally connected with. I will forget what others say, but I will not forget how she makes me feel :-) She told me: Don’t be afraid to raise your voice. When she saw my result of first semester, she hugged and kissed me. When I feel down, I quickly recall her gems : )

Too much talk about love is not healthy, there needs to be balance in everything…as some say “strike the balance” yeah? So I would talk about lthe hate that I have towards one of the teacher who taught in summers…Uff Allah itni shadeed tareen garmi me, itney ghusay wali Aurat!! It’s only due to her attitude that I cried and have been missing home a lot…A l-o-t!!!!!!!!!! I didn’t even do well in her exam paper, due to no connection with her.

I will end with some of moments of deep connection:

The ‘ghupshup’ we had with Maryam, on 30th May ‘14. Well she is our teacher, but unlike Pakistani culture where you need to show courtesy by using titles, I would prefer call her: Maryam. The less formality, the better :-) Her ‘qisay’ are now part of my life…all of her ‘choti-choti batain’ :-)

And, the most memorable day was yesterday for two reasons: when I went to my favourite Nadia and left for her my writing piece “the seed…” because she did sow in my heart seeds of change :)  And, also when I gave gift to my loveliest of all the teachers, Aneela to show my love and connection. I gave her “Qur’an - a short journey” she had lost connection with Islam and after years gap she has started fasting this year. I want to be the reason for her to develop connection with the Qur’an in the month of Ramadan! In sha ‘Allah.

I will leave with As-salaamu ‘alaykum, and with hope and pray that I reach home “khair khairiyat say” :-) In sha ‘Allah ta ‘ala.

Why do we have this situation?

As-salaamu ‘alaykum,

The Prophet Muhammad, peace and blessings be upon him said that there will come time when the love of duniya will enter our heart, even though we’ll be great in number but still the enemies will dominate us because we’ll have love of this world.

Here are his, sallAllahu alayhi wasallam exact words: “The People will soon summon one another to attack you as people when eating invite others to share their food.” Someone asked, “Will that be because of our small numbers at that time?” He replied, “No, you will be numerous at that time: but you will be froth and scum like that carried down by a torrent (of water), and Allah will take the fear of you from the breasts (hearts) of your enemy and cast al-wahn into your hearts.” Someone asked, “O Messenger of Allah, what is al-wahn?” He replied, “Love of the world and dislike of death.” [An authentic hadith recorded by Abu Dawud and Ahmad]

If you don’t give dawah, if you don’t support dawah, how do you expect Allah to grant you victory?!

May Allah love, bless and guide us all and remove from us ‘al-wahn’!!