Of Glad Tidings: Islamic Economics


For all those interested in Islamic Economics there’s an interesting academic development that is very significant - including for those many (Muslims) who’re absolutely cynical and doubtful not only about Islamic Economics, but all things Islamic and are ‘more at home with all things Western’, from its toiletries to ideologies.

Whenever I try to talk to people especially those Muslims who work(ed) in banks about the prohibition of interests and evils of interest based banking systems and also those are more inclined towards interest-free economy and had been caught up in this web due to unfortunate series of events, inquire: Why do not ulema (traditional, religious scholars) come up with an alternative plan? Firstly, it is appreciable, they are not sarcastic & cynical, and want a genuine interest free system; I sincerely pray to Allah to forgive their previous sins and open their heart’s eye and ‘inspire them with the Vision of Islam’. Secondly, their rhetorical objection shrouded in the question starting from the phrase, why don’t they/you… has seen light of the day putting a stop mark to their repetitive objections, as if they were free of all blames – none of us is free from blame except those strive in the way of Allah for no worldly gains.

I was listening to this lecture on broad, immutable principles of Islamic Economics by Dr Israr Ahmed (May Allah forgive his sins and increase his rank). In the end, an economist spoke very briefly before asking his question (which i‘ll mention in the end). Sort of a glad tiding for me actually: He said that recently [few years back] some Muslim economists who had gone to western universities to do their PhDs in Islamic economics had their theses approved. Their theses had been about the comparison between interest based economic systems versus Islamic interest-free system. Purely based on ‘economic reasoning’ their theses have proved the ‘superiority of interest free system of islam over Western interest based system’. Their supervisors were Christian economists and they’ve accepted the superiority of Islamic system at theoretical level. Many other Western economists have also started to accept same proposition, he added. However, the supervisors and economists say that they do not want to implement Islamic system because for them interest system is quite simple as compared to (apparently) ‘complicated profit sharing’ system of Islam. The scholar, who to my mind is perhaps Dr Asad Zaman [check out his personal website which features his articles and papers], lamented that we as Pakistanis have wasted decades of freedom in which we could’ve implemented the theoretical model of Islamic economics and could've easily shown the world that it’s not complicated and can be implemented in West too.

I’m in search of at least the abstract of the PhD theses. I will try contacting Dr Asad about it, if he ever replies =)

Professional Education: Who am I?

In October this year i'll enter in the last year of my college education in business, specifically operations management. What a waste of time had been these past 3 years! Absolute delusion. Its professors are as confused about the program as its students. It is not a very useful program: this is true for most of the university programs imported from West. Apart from core social sciences, most of the hot programs are delusions, whose etymology is as confused and useless as its practitioners. I don't wanna go into debate about it right now. i'm concerned with the fact that how do i define myself professionally. After a lot of introspection which stem from feelings of depression caused by the study of past 2 semesters, i've come to the conclusion that i must wake up and spend more than half a decade in a technical (and useful) program that has a greater impact factors in terms of value creation and huge capacity for research and innovation.

I admit i'm more at home with social sciences which are very important. Its all about ideas these days. Pakistan has the one of the strongest armies in the world, and one of weakest social science base that is authentically rooted in its own Tradition, i.e., Islamic world view. It has been able to re-engineer its F-16s for up-gradation; build local aircrafts and tanks, but its universities have failed to free themselves from the idols of Western ideologies which reappear with different names, yet having the soul of secular fundamentalism in it.

There are other plans that can save the day: joining civil service not for power or social glory. It's something that i dislike doing. Yet, i've been called to the task of performing jihad by an elder brother, a doctor, a civil servant and a mentor ('these' are 1 person). But, if you go into this hell with no technical background people will manipulate you. In that case, you're either CS or you're nothing, and they will exploit you. Perhaps that's why don't allow a doctor to be CS anymore - Allah knows best.

If that plan fails, and there are no parental obligations, i'll pursue the limitless fields of engineering which will form the power base for social science knowledge. Remember knowledge these days is tied with Power.

A Perennial Fact

Muslims who want to live as authentic Muslims - rooted in Traditional Islam, as not defined by RAND though - and do not want to betray their Tradition to the whims and shallow slagons of secular fundamentalism, must keep in mind the Qur'anic message to enhance their confidence: Non-Muslims would never, ever like you unless you become like them.

Think about it... Every time you leave a meeting for prayer, or do not listen to certain sounds, or do not do various unIslamic or unnatural things - hypocrites and disbelievers are going to frown. You're mocking them, they think. Well, they should realize that hubris and arrogance.

Unfortunately this is an age of one-eyed vision. People always take one thing and forget the other part. The statement above - i hate making disclaimers - in no way means we've to hide ourselves in a closet, or become rude to non-Muslims, because that's against sunnah or way of Prophet Muhammad, peace be upon him. Arab non-Muslims were rude to him; but he never returned their rudeness with rudeness. He used to give back something good and better to eliminate evil. That's our Tradition.

We're saying, "You follow your way; we follow ours." This doesn't mean you have to necessarily frown at us and be divided amongst ourselves. Our tradition teach us that are all people are children (in purely metaphorical sense) of Allah, and we've to be kind to them. We'd always praise and enjoin if a disbeliever or whoever does a good deed. This is how we operate. Is this way of life not worth living?

Islam 'and' Terrorism

A college friend - not secular or modernized at mental level - in perplex-ion (discernible from his looks) asked, "Why does Islam promote terrorism? OR, does it?" Fairly shocked by his first statement perhaps that made him to question his question. He was pointing to the atrocities of terrorist Muslims. I couldn't give a satisfactory answer to myself then. Its been few months when he asked. Now i wonder on the utter lack of luminosity and falsehood of the very question. Is there any doubt that Islam is the religion that's most civil when it comes to protecting and preserving life and environment even in Wars? When people talk about terrorism, i hope they only mean indiscriminate violence. Then by that standard if you compare European/US codes of violence ethics to Islamic, Islam would stand out as most chivalrous and just and peaceful and harmonious to life and environment. Couple of facts for the confused:

- Prophet Muhammad forbade the killing of women, children, elderly, farmers, monks, destruction of environment in war
- Homicide and suicide are two greatest sins in Islam
- Taking a life without Right (clearly defined rules which i will compile soon) is equal to killing whole of humanity - that's in Qur'an as well
- Prophet of Islam forbade use of fire to punish a human - Allah has the right to do that
- Prophet said that never desire to encounter your enemy; but you do so be steadfast and patient (or something to that effect)
- Everyone knows the level of benevolence and protection that has been shown to all kinds of minorities including Jews, who're the greatest enemies of Prophet of Islam, through centuries - would journalists ever mention that? When Pakistan came into being there were only few thousands Christians, now they're in millions (whether its good or bad that's another matter)

Now let's glance over the war ethics of great, humanistic Western world police and war mongers:

- Who invent word collateral damage and accepted it as a natural outcome of war between good (West) and evil (Non-West, these days Muslims)?
- Who use fire bombs in Afghanistan and Iraq?
- Who kill millions of Iraqis only by food sanctions?
- Who kill around 5 lac innocent civilians recently in Iraq - that's from Wikileaks?
- Who kill women and children in AFG and then in a press conference apologize over the 'loss of precious lives' and not even punish their soldiers?
- Who want to impose a mono-culture of secular fundamentalism on whole world - destroying not only natural habitat but local and primitive cultures?

The list will go on and on. Suffice to say if you really wanna know who is causing mischief on Earth and claiming that they're only doing good (Quran) read Confessions of an Economic Hitman. Its factual authenticity is far beyond doubt. IN fact on its official website, they've given parallel documented proofs confirming the statements of the author who had spent his life exploiting developing nations.

A response to objections on Quranic text's authenticity

Please watch this video in which they show a German researcher raising objections on the authenticity on the Quranic text that we read today with proper punctuation. There's a quote by someone in the end which takes no intellect to be seen as pure intellectual blindness, prejudice and lack of knowledge.


Brother Shakeeb replied to this video in detail on request. I am posting his response below:

"To be honest with you, I don't think myself to be capable of framing a scholarly response. So if you find any scholarly response, please feel free to share it with me too! But nevertheless, I do have a personal perspective on things which I will share with you. Fortunately, none of the claims made in the video are erudite enough to require detailed citations from classic text. Here it goes:

1) The genius who made this video and perhaps the researcher himself (based on how he is presented) is unaware of the fact that the books written on Uloom ul Quran by Muslim scholars already mention that the first generation of manuscripts used to be written without any dots, a'rabs and punctuations. The only thing startling here, if it must be put that way, is that his discovery (pun intended) corroborates the consistent account of Muslim historians about the development of Quranic print throughout.

2) Then he is concerned that it leads to 5 possible identities of the words. What he conveniently forgets here is the oral tradition of Quran which spread at a far greater scale in parallel with the written manuscript simply because it was an era preceding the invention of press. He seems to be under the delusion that just like our times when we simply lend over a book to someone to read, back in those days Quran also used to be handed over to people to read and figure. The fact, however, is that from the very beginning to-date there always has existed this very strong culture of having full-fledged schools and study circles for teaching Quran organized by scholars who had learned it directly from their previous generation until companions of the prophet. It is not without any reason why the second caliph Umar had sent one of his very close aides and foremost scholars of Quran Abdullah bin Masood to Kufah for institutionalizing the teaching of Quran there. Written text in the beginning could only mean to correct any lapses appearing in the memorized part and not to be used as the sole source of information on Quran. In fact, this trend has lasted even today in the sense that people rather than understanding Quran completely on their own prefer to study it at least with the help of a brief Tafseer (now that there is no more ambiguity in the rules of writing) if not directly from a teacher. This process of learning from people who learned it in their turn most likely from the close companions of the prophets ensured that the imagined possibility of five different words in one place never materialized at least to a sustainable level. Those guys who wrote the script knew about its shortcomings as well as us now and it is quite arrogant to completely ignore the aforesaid method of teaching the book and insinuate that their was no mechanism in place to guard against its weaknesses.

But for the sake of argument, let us assume that teaching Quran by the scholars in parallel with distributing the transcript was inadequate and the early generations were indeed confused into having five separate readings of Quranic verses on average (yes, not five different versions of the whole text!). As a consequence, there must have been diverse narrations of Quran at least found in geographically dislocate regions much larger in numbers than the diversity found in the narration of a particular incidence in Ahadeeth (although it is due to different reasons altogether.) And this diversity should have then remained in the versions of Quran compiled by the later generations as well. What we see here, however, is an astounding unanimity over the identity of the text accepted by Islamic scholarship as well as masses from Arabian peninsula itself to far eastern countries in the Africa to Spain in the west. Mind you, I am not denying mistakes made by lay people and possibly by individual experts which are not uncommon in our times too despite the availability of Quran in black and white. But do the community at large begin to take an individual's or even publisher's mistake for the confusion in the correct version of Quran? Or all these isolated aberrations die out in the process of mass-transmission from one generation to another?

If that is not enough, then consider two further scenarios. Just like there are various sects and schools of thoughts based on disagreements over the interpretation of Quran as well as the acceptance of different traditions of hadeeth, there must have been far major differences over the acceptance of various identities of the words in Quranic text itself. It should not take a genius to figure that a disagreement of this kind over the reading of Quran would lead to fissures in various strains of Islamic scholarship far greater in magnitude than what could ever arise due to differences in the interpretation of the text or Hadeeth literature. But where is it? If not, what does this imply? The next curious point is to remember that Quran used to serve as the fundamental basis of Islamic law from the very beginning of Islamic state in Medina until the pre-colonial era. Since we are asked to believe that in the early days there was a great deal of ambiguity in the reading of Quran, we should understand as a natural corollary an extreme chaos in the functioning of the legal system of Islamic state. To imagine what I mean, just think of Pakistan's penal code used in our courts with the same level of uncertainty in the identity of the words in addition to the interpretation which is quite natural. It is trivial to visualize the utter dysfunctional-ization of any legal infrastructure this will necessarily lead to. And so if it did happen to the practice of Islamic law, how did everything converge to just one word instead of five or even more? Again, why weren't there any disagreements? How did muslim historians manage to mention the lack of punctuations, dots and a'rabs in the early manuscripts which amusingly he is discovering in the twentieth century but wrote off the consequences? Again, why did it not lead to differences in juristic schools? Why? Why?!

As this guy is challenging a well established historical narrative, it is his responsibility to explain away existing realities by filling up all the gaping holes which appear as natural corollaries of his narrative as I pointed above. For starter, he should explain when five different identities of wrods were possible, how come only one survived? What made a society as huge as that to agree on one reading? How can an event as massive as the convergence to a single word fail to find seat in histories written by any sect in Islam whatsoever?

And nobody here can counter it by citing disagreements about the completeness of Quranic text as it is purportedly claimed by minor/major groups in shiite tradition. For one, even shia theologians both past and present almost completely, if not absolutely, abandoned this position. For another, it was about certain portions of Quran failing to find their place in the widely accepted manuscript. It was never a dispute about choosing one of the five possible words written in the text.

Before leaving, I should point out here the issue of seven "qira'at" of Quran which is a well discussed topic in the Islamic scholarship. Since he is claiming something unknown here, I believe his work does not relate to that either and hence we don't need to talk about it.

3) It yet again makes a disappointing case for a ground-breaking discovery that the newly-found text of Quran was overwritten on something else. Why is it so surprising? Why cannot the same parchment, leaves, bones or whatever form of paper in vogue at that time be reused for something else? Please, why is it so significantly surprising at all? As it can very well be a personal copy of a student, instructor or any common man for that matter, why can't it even include some personal notes scribbled in between? Why can't we get real for a while?

4) This last point takes the cream. The guy who made this video could not have been more ignorant of his own ignorance. He presumes that the differences in translations are somehow explainable by this so-called discovery. It is amusing how he digs out from oblivion an unknown researcher in Germany (?) but didn't bother to check out with someone familiar with Quran's translations to inquire about the apparent diversity. Ignoring all the general liguistic issues in translating a literary work from one language to another, Arabic language itself allows for multiple meanings (not identities) of the words placed in one sentence. On occasions, some of these meanings are all plausible simulataneously while at others only one or two can be valid given the overall context of the discourse. This leads to differences in understanding which sometimes find its way into the translations too. It has got nothing to do with any ambiguity about the identity of words themselves."

In the end, i just like to say what Quran says: they want to destroy the noor (light) of Allah with their breaths, uttering only falsehood...

Reflections on keeping beard

In Pakistan, and perhaps in India too, keeping or not keeping beard for muslims is a big issue. In previous times, if one didn't keep beard, people used to inquire as to why he didn't keep it. Today, the situation is the opposite. This is a very personal topic for all. For me, as few years of successfully keeping beard have passed, it is important to revisit this matter.

One way to measure the authenticity or truthfulness is to see if one group of people dislike/condemn a thing, and other group like it (as in the case of Mutta Imam Malik). Same is the case with beard. On the one side, you've people having schizophreniac, fundamentalist and paranoid-al reactions to it. They're most often modernists to dislike from their very core religious symbols and statues. And on the other side, you've people who think Islam is manifested in true colors in white, brownish, black or grey beard on men.

Both are extremes and do not follow the middle way. I kept beard - though i don't know telling about my reason to keep of would be of any use - because i read an answer by a Mufti which mentioned a hadith which clearly condemned not keeping beard. Alhamdulilah, i fulfilled this sunnah, which is an awesome weapon of protection from various fitnah in this age, amazingly. Its amazing because how a physical feature can stratify you from evil, and create repulsion in things evil from coming to you. Its amazing because in reality one assumes that battles are fought at the nafs level, against the cunning-ness of Devil. This is where the exaggerated reverence from beard dies out. It alone cannot do any good to a believer. It is just like another aspect of sunnah or obligation that one has to fulfill. I thought that since i have kept beard, i will not be prone any serious and dangerous sin. But i have remained fully exposed to hundred more fatal sins and diseases that beard protects one from, like hypocrisy, bad manners, not praying, etc.

In conclusion, i would like to glorify this feature on believer because it differentiates us from most non-believers, easily giving us an Islamic character, which in case of women happens to be hijaab. Also because, it forces us sometimes to reform our other matters to achieve harmony and completeness of Islamic character. As for fighting off more fatal diseases, one can take lot of help from spiritual shariah, or Sufism of our islaaf, and not the one favored by West (see small book, Sufism, by Hamid Algar). This guidance is needed by all to counter deceptively creative and subtle attacks of the Devil.

Soulless Education

"I fear most the new highly educated class of this country. They have high IQs, are very intelligent, very skilled and professional. They're eloquent as well. But. They lack basic human elements and qualities & courtesies such as humbleness, sacrifice, humility, etc. etc. They have become soulless."

This thought reminds me of the conversion story of former British PM's relative, who went to Palestine on a visit. During a cold night, she was trembling in cold because she didn't have blanket or stuff to sleep in. Then a Muslim lady, her destitute host, shared her own blanket, so that her guest could sleep well. This display of generosity changed her perceptions about Muslims, where she previously considered Muslims to be sort of demons of terror, and now she encountered angelic behavior from same people.

The lady might be very poor and be ill-educated (by educated i strictly mean getting modern school/college education), she might have least of IQ, or awareness about social sciences and what not. But, the quality of character, which impressed an educated lady, is also unmatched and operates at a different plane, of which modern education has no sense of.

In fact this moral education is no more a part of modern university education (at the least). "Julie Reuben, a professor at Harvard has written a book about how morality and character development were explicit goals of university education in the early twentieth century, but these goals were abandoned in favor of a purely technical education later on," writes Dr Asad Zaman who became a victim of the social sciences of West during his education at MIT. In the same article, he narrates how imitation of Western professionals and philosophies of life turned him into a soulless human:
At a personal level, I saw my fellow students attitudes towards others to be selfish andexploitative, instead of caring and compassionate. Having absorbed the implicit message that professional accomplishment was the goal of life, I was shocked to learn of the really pathetic personal lives of many of the professionals I had thought to emulate. The general philosophy that individual goals are valued above social ones leads to betrayal of wives and families, violation of commitments of all types, and pursuit of personal and career goals even at expense of society. The purely technical education offered by the West does not teach us anything about the crucial parameters which govern how meaningful our lives are. In several crucial dimensions, the lessons of Tableegh were diametrically opposed to those which I had absorbed in the course of my Western education. These lessons showed me that the teachings of Islam are as fresh and as revolutionary today as they were fourteen centuries ago; they do not stand in need of updates for modern times. It is impossible to convey these experience-based lessons in writing, so I will just describe one of them.

What you personify is what you should become

You might have seen a young Pakistani boy fly a fighter jet using his hand, or drawing aircraft sketches on his notebooks. He imitates a pilot. He is thrilled by the sound or image of a fighter jet. He has, what psychatrists call, personified himself as a fighter pilot. The level of association surpasses every boundary and attains the rank of janoon, or craze. Such men, as per experts of mind & body, do extraordinary thing. Only janooni people do that, who like a crazy science students "do not wish to go home (from their lab)." Who want to do that thing whole day 24/7.

The role of parents is not to come in their way, assuming the passion is not unIslamic or unethical. The role of school is to aid that passion by giving them opportunity to play such roles. It may be in form of an activity where the student can live that character. For instance, if a girl wants to be a teacher, she be given apron, a class and students to teach to. A student given all authorities of a principle, and is trained what to do on working day, and then given the task to run the school.

This way of learning is most effective. Its hands-on knowledge. When they grow up and actually come to perform these roles, they'd have confidence to do it inshaAllah.

Secondly.
We should ask our children to solve our daily problems. If the gate cannot be locked from inside, ask them for a solution. Encourage them. Even if you know solution, make them to think, so that they can become problem solvers.

(These were some of the thoughts I gained from the company of my mentor Dr. Agha, who's trained in psychiatry from Royal College of Psychiatry, UK.)

Deep Smart

SO i have also come across a deep smart, whose intuition power is very strong - but not for the first though.

We're travelling in a car from city A to city B. One of us got a call reporting that one suicide bomber has been caught in metropolitan city A in a bank. My father said that he can't be a (regular) suicide bomber. He must be using it loot the bank; he'd have shown it to people and thereby terrifying them, would have tried to get his hands on bank's cash.

MashaAllah, i quote DAWN newspaper, leading newspaper of Pakistan, which confirmed my father's intuition the next day:

"Robber held with fake bombs

LAHORE: May 28: In what appeared to be a Hollywood-style adventure, an alleged robber tried to loot cash from bank by displaying two fake bombs at Akbar Chowk in Township. The suspect was however captured by the bank's security guards and handed over to police."

Don't Sacrifice Quality for Short-term Profit Goals

Books on productivity would tell you that management's decision to pursue short-term profit goals by curbing quality would result is various kinds of losses, including, rework, defects, loss of customer goodwill, etc.

Well i tasted this thing on the first day of a small start-up - namely a juice cafe - in college. I brought a labor guy with me, trusting his experience working in homes as chef, etc. He after seeing how costly our drink was, as it used 4-6 different kinds of fruits and/or fruit juices (packaged/unpackaged) concluded on day # 1 that this business won't make a nickel. Hence, he started to use some water in it to dilute it, to reduce costs. This juice was never meant to use water. Nonetheless, i made a big mistake and let him do that, thinking what difference can this little amount of water can make.

During the day & afterward, the most crucial negative customer feedback we got was that there was too much water in it - perhaps he mistook water for fruits & juices! Some asking to add something else apart from water.

How disastrous! From next day onwards we didn't add single droplet of water apart from what was coming through fruit juice; except in 1 juice which has to have water in it.

I forgot a fundamental business lesson: all investments are not covered on day 1! Moreover, you saw how low commitment to quality resulted in loss of goodwill & defects. Its important to note that the excess of water is "critical-to-quality" (CTQ) in juices for customers. It wasn't something customer didn't care about.