Comparative Religion, Da'wah, Islam, Issues, Lesson

Autumn Leaves part : 1

In recent time of immense fitnah the liberals are utilizing their best energies to redesign the methodology of Qur’an, Sunnah of Prophet Mohammad and his companions followed by Salaf and their generations. The most common tool used by them and propagated by media and literature is “Segregation between Faith and Good Deeds”.  According to their “enlightened theories “one should have faith in the Sovereignty of Allah swt but the output of this faith i.e. interpretations, inclinations and rulings can be forecasted according to the fluctuations of the society and global trends. So, acceptance of the religion is the decent culture but its application in daily life takes you to stereotypical or fundamentalism. Let’s evaluate some of these shaky perceptions and their remedies from the amazing World of Qur’an and Sunnah.

Rotten fruit of this crop usually comes in such mind boggling and ambiguous packages:

  • “It’s not the fault of the man-made laws, it’s the leadership who is corrupt, violates laws and rights of the citizens. Legislation is based on Islamic Principles, it’s the deviant cabinet who does not implement it effectively and wisely”.

But on the other hand Allah SWT has told us in His Book that legislative authority belongs to Him alone, and that He is the wisest of those who issue rulings and judge. He has forbidden the association of anyone with Him in His authority, and no one is better than Him in ruling.

Allah SWT says:

 “So the judgement is only with Allah, the Most High, and the Most Great!”[1]

 “The command (or the judgement) is for none but Allah. He has commanded that you worship none but Him (i.e. His Monotheism), that is the (true) straight religion, but most men know not”[2]

 “Is not Allah the Best of judges?”[3]

“Say: ‘Allah knows best how long they stayed. With Him is (the knowledge of) the unseen of the heavens and the earth. How clearly He sees, and hears (everything)! They have no Walee (Helper, Disposer of affairs, Protector, etc.) other than Him, and He makes none to share in His Decision and His Rule’”[4]

 “Do they then seek the judgement of (the Days of) Ignorance? And who is better in judgement than Allah for a people who have firm Faith?”[5]

Allah, may He be glorified and exalted, is the Creator of all things and He knows what is good for them and what is in their best interests of rulings. Human beings vary in intellect, attitude and customs, and they are unaware of what is best for them, let alone what is best for others. Hence in societies that are ruled by the people in terms of legislation and laws, one sees only corruption, immorality and disintegration of the social fabric.

Undoubtedly man-made systems( democracy, communism, socialism etc) are one of the modern forms of shirk, in terms of obedience and submission, or in legislation, as it disregards the authority of the Creator, may He be glorified and exalted, and His absolute right of legislation, and regards that as one of the rights of created beings. But Allah SWT says:

“You do not worship besides Him but only names which you have named (forged), you and your fathers, for which Allah has sent down no authority. The command (or the judgement) is for none but Allah. He has commanded that you worship none but Him (i.e. His Monotheism), that is the (true) straight religion, but most men know not.”[6]

 “Say (O Muhammad SAW): “I am on clear proof from my Lord (Islamic Monotheism), but you deny (the truth that has come to me from Allah). I have not gotten what you are asking for impatiently (the torment). The decision is only for Allah, He declares the truth, and He is the Best of judges.”[7]

Bitter Fruits of Man-Made Laws:

  1. Monotheism (believing and worshiping one God) is clearly commanded in Hindu, Christian, Jewish, Sikh and Zoroastrians Scriptures in these words:


‘’ Ekam Evaditiyam’’

“He is One without a second”. (Chandogya Upanishad 6: 2: 1)

The principle Upanishad by S. Radhakarishnan pg 447 and 448

Christianity and Judaism:

‘’ Hear, O Israel, The Lord, Our God, is One Lord’’.

(The Bible, Mark 12; 29; Deuteronomy 6; 4)


‘’ There exists but One God, who is called the True, The Creator’’

(Sri Guru Granth Sahib, Vol 1, Japji v 1)


‘’ He is One, He is without an Origin and end. He has no father or mother, wife or sun. ‘’ (Dastgir, Ahura Moza)

Now the question arises if polytheism has been condemned at various places in all Scriptures then why there are 37 million Churches in the world with 34,000 Christian denominations?, which follow the ideologies of:

  • Jesus is God
  • Jesus is Son of God
  • Trinity

Jesus pbuh never claimed Divinity. Jesus pbuh said: …. ‘’ I with the finger of God cast out Devils…’’  The Holy Bible – Luke 11: 20

India has more than 2 million Hindu Temples recorded during 2001.  South Indian states alone has 108,000 temples. What’s the purpose of most famous Sikh Temple ‘’ Hari Mandir Sahib’’?

The other side of the picture is last year, The Economist calculated that the Catholic Church in America alone had a $ 170 billion annual operating budget. Globally the figure is much larger.

The Richest Churches in the World are:

  1. Church of Jesus Christ Of Later day Saints of USA of Worth $ 40 billion
  2. Catholic Church Of Vatican of Worth $ 30 billion in Australia alone
  3. Baps of India of Worth $ 27 billion
  4. Church Of England of United Kingdom of Worth $ 7.8 billion

Top Richest Temples in India:

Padmanabhaswamy temple:

This temple has assets $ 20 billion. The Vaults inside the temple, were found to be flooded with gold, silver and diamonds. Rough estimation is the value of treasure is to be of I trillion dollars.

Venkateswara Temple, Tirupati:

This temple has gold reserves and 52 tons of Gold Ornament including antique gold ornaments and vessels of deity donated by kings and even British rulers for over 1000 years which are worth over Rs 37,000 crore . Every year it coverts over 3000 kg of gold received in hundi or donation box from pilgrims.

  Vaishnodevi Temple:

This temple has an annual income of around 500 crore

Siddhi Viayak, Mumbai:

The dome over the main shrine of Ganesha is coated with 4 kg gold. Its annual income is 100 crore and 125 crore in fixed deposits.

Meenakshi Temple, Madurai:

The temple gets 60 million Rs every year and the list goes on and on….

Don’t you think if these temples give away their wealth India’s poverty can be solved? If Churches follow System of God then Global Economic Crises can be easily eradicated?  But their richness and intense economic Crisis worldwide are the fruits of Man Made Laws having no wisdom, Mercy and Progress.

2.  Pork is forbidden in Christian and Jewish Scriptures in these words:

“The pig is also unclean, although it has divided hoof, it does not chew the cud. You are not to eat their meat or touch their carcasses”          Deuteronomy14: 8

“And the pig, because it parts the hoof and is cloven-footed but does not chew the cud, is unclean to you. You shall not eat any of their flesh and you shall not touch their carcasses: they are unclean to you.’’ Leviticus 11: 7-8

But nation wise more than 60,000 pork producers annually market more than 120 million hogs. On average these animals provided total gross income of more than $ 50 billion.

3.  According to Hunger and World Poverty reports about 21,000 people die globally every day from hunger. Every ten second a child dies of poor nutrition. 3 million children die every year because of malnutrition. 29,000 children under the age of 5-21 die every day. 5 million people die of hunger in Africa every year…. 27 million people are being starved to death in Yemen. 795 million people in the world do net get enough food to lead healthy life. On the other hand 2 billion tons of food gets lot or wasted every year. Food losses and waste amounts to roughly $700 billion in industrial countries and $310 billion in developing countries. 30% food is wasted globally.

Now where are the proper strategies to provide healthy nutrition to every human being breathing on this planet and allocation of resources wisely and justly? Where are the Pseudo Think Tanks?

4.  According to UNICEF nearly ½ of the world’s population- more than 3 billion people live on less than $2.50 a day. More than 1.3 billion live in extreme poverty – less than $1.25 a day. 1 billion children worldwide are living in poverty. 22,000 children die each day due to poverty. At least 80% of humanity lives on less than $10 a day.

5.  805 million people worldwide do not have enough food to eat.

6.  More than 750 million people lack adequate access to clean drinking water. Diarrhea caused by inadequate drinking water, sanitation, and hand hygiene kills 842,000 people every year globally or approx. 2,300 people per day.

7.  In 2011, 165 million children under the age 5 were stunted (reduced rate of growth and development) due to chronic malnutrition.

8.  ¼ of all humans live without electricity. Approx. 1.6 billion people.

9.  Oxfam estimates that it would take $60 billion annually to end extreme global poverty- that’s less than ¼ the income of the top hundred richest billionaires.

10. According to the WHO report, in the last 45 years suicide rates have been increased by 60% worldwide cause of mental health disorders, unemployment, socioeconomic issues, sexual orientations, disassociation from religion and identity crisis.

11. According to United Nations statistical report 250,000 rape cases were recorded by police annually. The reported data covered 65 countries.

12.  According to the National Crime Records Bureau 2013 annual report 25,000 rape cases were reported annually in India. More than 100,000 children are raped each year in India alone.The 2016 Uniform Crime Report         estimated 90, 185 rapes in 2015 in United States. One out of every 6 American woman has been the victim of rape in her lifetime.

         Sex offense victims in 2012 ( FBI) :

67,345 female

12,100 male

21.8% of American Rapes of female victims are gang rapes.

London sees 20% rise in rape reports in a year.

13.   At any one time there are 2.5 million trafficked people worldwide. Between 15,000 and 17,000 people are trafficked into U.S each year for forced labor and sex exploitation. Human Trafficking is the third largest int. crime industry. It reportedly generates a profit of $150.5 billion every year. USA, China, Russia, Iran, North Korea, Cuba, Sudan, etc are most common places. There are approx. 20 to 30 million slaves in the world today.

14.  According to the National Survey on Drug Use and Health approx… 27 million Americans over the age of 12 used illicit drugs in 2014 and about 29 million people got intoxicated. 22 million Americans are drug addicts. Data collected from other parts of the world is more intense. Billions of people around the world use Club Drugs like GHB, Rohypnol, and Ketamine etc. Deaths from overdoses of drugs raised 14% in a year. Last year 48,000 people died from drug overdoses in America alone- 1.5 times greater than the number killed in car crashes.

15.  8% of the World population is unemployed… 9.8 million people in China are unemployed. 6.8 million Americans are in search of job. Other parts of the world are more intense.

16.  In 2012 it was estimated that there were approx. 45 million prostitutes in the world who sell their bodies coz of poverty and social issues. Pimps and traffickers earn $5000 to $32,833 a week. Street hoockers, high profile escorts, Sugar Daddy, nude clubs, strip bars, nude theaters, concubines etc are various modern forms of sex workers and arts.

17.  In America alone there is one divorce approximately every 36 seconds, 2,400 divorces per day, 16,800 divorces per week and 876,000 divorces a year. 43% of children growing up in America are being raised without their fathers. 75% of the children are living with their divorced mothers.

18.   Sexually transmitted diseases has been one of the horrific cause of death globally. In 2008, it was estimated that 500 million people were infected with Syphilis, Gonorrhea, Chlamydia or Trichomoniasis. 530 million people have genital herpes and 300 million women have human papillomavirus. Today 30% Americans have incurable STDS. 85% of Americans live with genital Herpes. 42 million people don’t know it. 50,000 Americans are diagnosed AIDS every year. But still $ 14 billion is spent on Porn Industry annually. Porn is legalized and sex workers, escorts, street hookers, sluts etc are highly glamorized and given the Status of‘Porn Starts’ and Obscene shameless acts are called ‘’ Sex Sciences and Lust Art’’. Propagated, advertised, glorified, commercialized and praised by social and electronic media around the clock, licenses are issued by the governments officially. If anyone wants to establish his or her career as a Porn Star, he/ she is encouraged, trained and groomed by the skilled professionals, trainers and Cosmetic Surgeons. Porn has been injected deeply into the roots of Western civilization making them Sex obsessed, mentally ill, physically diseased, lust oriented with shattered souls. Consider these rough estimations of porn addiction among the Decaying West.

Stats on Porn Addiction:


  • Porn sites comprise 15% of the internet.
  • 90 % of children ages 8-16 have viewed porn.
  • The largest consumers of pornography are 12 to 17 years old boys. 70% of men ages 18 to 34 visit a porn site in a typical month. 1 in 6 women struggles with porn addiction.
  • 25% of search engine requests are for porn.
  • 50% of pastors regularly look at porn.
  • 38% adult says porn is morally acceptable.
  • Every second 30,000 people view porn and every minute $ 184,500 is spent on porn.
  • $10 to $14 billion is spent on porn annually the same amount the US government spends on foreign aid.

5% of population of USA is homosexual leading to horrific increase in Pedophiles.

Is it a Human right to die of AIDS as a result of such orientations?.

19.  H.O estimated murder stats per day in the world and says;

A murder a minute. One person commits suicide about every 40 seconds, one person is murdered every 60 seconds and one person dies in Armed conflicts every 100 seconds. 1.6 million people met premature and violent deaths in 2000. In the U.s in 2011 67 % of homicide victims were killed using a fireman. More than 100,000 people in America alone are shot in murders, assaults, accidents, suicides etc every year.

  1. Approximately 1 in 5 adults in the U.S 43.8 million experience mental illness every year. 20 % of Adults in the U.s suffer Anxiety disorder such as post traumatic stress disorder, obsessive compulsive disorder and specific Phobias. WHO estimated that 350 million people worldwide suffer from depression. It’s a leading cause of disability. Most common mental disorders are Anxiety, bipolar disorder, eating disorders, Schizophrenia, Substance abuse n addiction, sex obsession etc.

21. 56 million babies are aborted annually worldwide.

22. More than 133 million Americans or 45% of the population have at least one chronic condition i.e. cancer,                   Asthma, diabetes, heart diseases, Anxiety, Obesity, Arthritis etc. 81 million have multiple condition.

23. Alcohol consumption is prohibited in the Bible in these words:

” Wine is a mocker, strong drink is raging; and whosoever is deceived thereby is not wise”. Proverbs 20;1

” And do not drink with wine.” Ephesians 5;18

But according to the Research Report of Allied Market Alcoholic Beverages ( beers, wines,spirits) expected to reach $1594 Billion Globally by 2022. As a result of elimination of Biblical Command and deviation from Quranic Principle alcohol consumption caused approx. 88,000 deaths and 2.5 million years of potential life lost in USA alone from 2006- 2010, shortening the lives of those who died an average of 30 years. An alcohol overdose can lead to long lasting brain damage. Due to recent media coverage it’s now accepted that increasing alcohol consumption is leading to huge increase in the number of deaths due to alcoholic liver disease. Alcohol causes Arrhythmia during life, including prolongation of the QT interval, which is associated with sudden Cardiac death. Alcohol is the third leading cause of death in USA alone. About 10 to 20 percent of heavy drinkers usually develop cirrhosis after ten years.

24.  Cigarette smoking is responsible for more than 480,000 deaths per year in USA, including more than 41,000 deaths resulting from second hand smoke exposure. This is about one in five deaths annually, or 1300 deaths every day. On average smokers die 10 years earlier than nonsmokers.

25. According to the American Psychological association, chronic stress is linked to the sixth leading causes of the death: heart disease, cancer, lung ailments, accidents, cirrhosis of the liver and suicide. And more than 75% of all physician office visits are for stress-related ailments and complaints.

26.  Over weight and Obesity are the fifth leading risk for global deaths. At least 208 million adults die each year as a result of being overweight. 44% of the diabetes burden, 23% of the ischemic heart attack disease burden and between 7% and 41% of certain cancer burdens are attributable to overweight and obesity.

27. Anorexia Nervosa (eating disorder) has the highest death rate of any psychiatric illness including major depression. Without treatment up to 30% of people with serious eating disorder die every year.

28 Across the USA child labor accounts for 20,000 workers compensation claims, 200,000 injuries, thousands of cases of permanent disability and more than 100 deaths each year.

29.  In the USA, sugary drinks were linked to the deaths of 25,000 ppl from diabetes and other obesity-related diseases. As in many other countries, the death rates were highest in young adults under age 45, with one in 10 obesity related deaths associated with sugary beverages. Cola, cola cherry, Cream Soda, Diet drink, Energy drink, Frozen carbonated beverage, Ginger Ale, Ginger beer, Big Apple, Pepsi, marinda, 7up, Sprite, Grape soft drink etc all are sips of death. Too much iced tea causes kidney failure.

30 . A common concern with the carbonated beverage is the acidity levels and the risk of calcium and magnesium loss from bones due to change in body’s pH levels. Other concerns e.g tooth enamel damage and obesity over carbonated soda are related to the sugar content of the soda and not the carbonation. Soda contains phosphoric acid, high fructose corn syrup, aspartame, Citric acid and Bis-phenol-A . Combination of these ingredients cause Cancer, Type 2 diabetes, Obesity, Heart disease, Migraine, Kidney failure, Anemia, Heart disease, damage of stomach and esophageal lining etc. For, this reason it’s not surprising to see that sugary drinks are frequently associated with an increased risk of Cancer.

Now the question is why these sips of death are legalized by the government?

31. According to the new study from the Fred Hutchinson Research Center in Seattle the typical Western Junk diet (Burgers, fries, etc) could kill you by increasing your risk for Prostate Cancer. Approx. 678,000 people die every year in USA cause of unhealthy diet and obesity related diseases such as heart diseases, cancer and type2 diabetes. Junk food can also have negative effect on your memory.  High levels of insulin caused by consuming junk food or a bad diet may affect the brain. High levels of Trans fats found in number of junk food can cause deposition of fats in the liver which can cause liver dysfunction.  Obesity, hypertension, cardiovascular diseases, diabetes, liver and kidney dysfunctions, Asthma and many chronic diseases are the fancy pains that we purchase in the form of Junk diet. But globally fast food generates revenue of over $ 570 billion that is bigger than the economic value of most countries. Huge sum of money is spent on the advertisements of junk food chains officially and masses are convinced and attracted by mind controlling system that ‘’ Eating junk food is a Status Symbol, and food defines you, you don’t define food’’.

Latest Researches also prove that food can effect Genes and DNA of humans as well by changing their chemistry, chemical bonding and nature of functions.

Dr.Mark Haymen Says:

‘’ Food is not just calories. It is Information. It talks to your DNA and tells it what to do. The most powerful tool to change your health, environment ad entire world is your FORK. “


  1. Pollution causes 16% of all deaths globally. Disease caused by pollution were responsible in 2015 for an estimated 9 million premature deaths- 16% of all deaths worldwide – three times more deaths than AIDS, tuberculosis, and malaria combined, and 15 times more than all wars and other forms of violence.


  1. …37 million people died in World War 1. …. 80 million people died in World War 2 . According to the data of Obermeyer study 378,000 people died a violent death in war each year between 1985 and 1994…… 1.7 million People died in Crusades. At least 200000 civilians, soldiers died in Afghan War…… 8, 00000 innocent souls died in Iraq War. At least 5, 00000 innocent civilians died in Syria War.  Millions of Palestine civilians died in war, one in three refugees worldwide is Palestinian. There are about 8 million Palestinian refugees worldwide.

The Yugoslav and Serb forces caused the displacement of approx., 2 million Kosovo Albanians. The biggest genocide human history dint occur in Nazi Germany, but on American Soil. 100 million Native Americans were slaughtered and lost their homeland. Mussolini killed 20, 00000 civilians (Greece, Albania, Libya, Yugoslavia, Stalin killed 30, 00000(Ukraine etc) , Hammerer rouge forces killed 20,00000 Cambodians.

Now, what’s The Purpose of Peace Award??…


  1. Just 9 of the World’s richest men have more combined wealth than the poorest 4 billion people                 Larry Page – $ 52.2 billion
  1. Larry Ellison- $ 60.4 billion
  2. Carlos Slim Helu- $ 67.6 billion
  3. Bernard Arnault- $ 68.7 billion
  4. Mark Zuckerberg- $ 72 billion
  5. Amanico Ortega- $ 75.8 billion
  6. Warren Buffett- $ 90.1 billion
  7. Bill Gates- $ 91.9 billion
  8. Jeff Bezos $ 108.9 billion ( Founder and CEO of )

A recent study released by Oxfam found that the top 1% has owned more wealth than the rest of the world’s population since 2015. Ahead, nine of the world’s wealthiest people – according to Forbes’ Billionaire List- that have more wealth than world’s population. Where is the Justice?

35.  According to the Stats of National Coalition against Domestic Violence 9,600 women are abused in a 24 hour in west. On average every six days a woman in Canada is killed by her intimate partner.

36.  According to the report of Guardian more than 40% of domestic violence victims are Male who suffer emotional, verbal and physical abuse by their wives and girl friends.

37. 21 lives are lost due to dowry  system everyday across India.The Indian Express says : 25,000 dowry deaths reported in last 3 years.

38.  Times Of India reported that 11 million children were abandoned in 2009 and were girls. Most were doomed to never find homes.

39. At least 117 million girls around the world demographically are missing due to Sex Selective abortions. In India 2000 female fetus are aborted everyday.

Are we still stubborn on the false assumption that man-made laws are serving the humanity perfectly and all are living happily on the planet? . These are as weak as web of a spider as Allah SWT says:

‘’ The likeness of those who take (false deities as) Awliya’ (protectors, helpers)

Other than Allah is the likeness of a spider who builds (for itself) a house; but verily, the frailest of houses is the spider’s house- if they but knew ‘’.[8]


  • “Islamic banking is the modified economic module with lowest markup to collaborate with global status of progress. Modern day Interest is not Riba

There is no concept of Islamic banking in Islam as there is no concept of Islamic alcohol or Islamic music or Islamic pork. The mechanism of banks is based on interest no matter what’s the markup ratio. Whatever percentage of interest it offers it’s prohibited because a drop of urine can easily spoil the tanker of milk. So, ribaa (interest, usury) is haraam wherever it exists and whatever form it takes.

Ribah means an increase in a particular item. The word is derived from a root meaning increase or growth. Allah, may He be exalted, says (interpretation of the meaning): “Whatever you pay as interest so that it may increase (li yarbu) the wealth of people does not increase (fa la yarbu) in the sight of Allah” [ar-Room 30:39]., i.e., it does not increase or rise in status before Allah.

Riba originated among the people of the Jaahiliyyah; if a debt became due, they would say to him (the borrower): Give us one hundred (that is due, now), or increase it to one hundred and fifty (and pay later). Then when the one hundred and fifty became due, they would say: Give us one hundred and fifty (now), or increase it to two hundred (and pay later) — and so on.

Islam also forbade another kind of riba, namely riba al-Fadl, which means adding to the amount when exchanging one item for another of the same type. So if gold is sold for gold, that is not permissible except like for like, hand to hand. Islam stipulated that the exchange should be done hand to hand and that the items or goods should be of the same quality. Whoever gives more or asks for more has engaged in riba. If he sells a saa‘of wheat for two saa‘s (of the same commodity), even if it is hand to hand, he has engaged in riba.

The principle of the circulation of capital exists in both the Muslim world and the non-Muslim world. What it means is circulating capital so that it will increase. The same applies to lending; they give money as a loan provided that it will increase when they get it back. Such transactions are undoubtedly riba.

There is nothing wrong with the principle of the circulation of capital if the capital is invested in trade or business, and the profit is shared between the owner of the capital and the worker. This is called mudaarabah (profit sharing), and there is nothing wrong with it if the capital is kept distinct from the profit. If this money is deposited in a riba-based bank, then taking the interest is haraam and it is not permissible to consume it. It is not permissible to deal with these banks, and loans based on interest are not permissible. It is also not permissible to accept payment in that currency for any job if that job helps to support a system that is based on riba.

Allaah SWT says:

“Those who eat Riba will not stand (on the Day of Resurrection) except like the standing of a person beaten by Shaiytaan (Satan) leading him to insanity. That is because they say: ‘Trading is only like Ribaa,’ whereas Allaah has permitted trading and forbidden Riba. So whosoever receives an admonition from his Lord and stops eating Ribaa, shall not be punished for the past; his case is for Allaah (to judge); but whoever returns (to Ribaa), such are the dwellers of the Fire — they will abide therein.

Allaah will destroy Ribaa and will give increase for Sadaqa (deeds of charity, alms). And Allaah likes not the disbelievers, sinners” [9]

‘Ubaadah ibn al-Saamit (may Allaah be pleased with him) narrated that the Prophet (peace and blessings of Allaah be upon him) said:

“Gold is to be paid for by gold, silver by silver, barley by barley, dates by dates, like by like, payment being made hand to hand. He who made an addition to it, or asked for an addition, in fact dealt in usury [ribaa].” (Narrated by Muslim in his Saheeh).

It was narrated that Jabir (may Allaah be pleased with him) said:

“The Messenger of Allaah cursed the one who consumes ribaa, the one who pays it, the one who writes it down and the two who witness it. He said they are all the same.” (Narrated by Muslim).

Dangers of Riba:

  • Whole nations, dozens of them, large and small, have foreign debts so large that their riba payments on these debts are a crushing burden on the entire country. Debt kills. Some 11 million children die each year around the world due to conditions of poverty and debt. Former President Obasanjo, commented on the debt Nigeria faces:

“All that we had borrowed up to 1985 or 1986 was around $5 billion and we have paid about $16 billion yet we are still being told that we owe about $28 billion. That $28 billion came about because of the injustice in the foreign creditors’ (lenders) interest rates. If you ask me what the worst thing in the world is, I will say it is compound interest.” – Jubilee 2000 news update, August 2000

  • Riba conflicts with the spirit of brotherhood and sympathy, and is based on greed, selfishness and hard heartedness.
  • Riba is one of the major contributors towards inflation.
  • Riba causes trauma and depression due to mounting debts.
  • Riba is a sure gain without any possibility of loss, hence all the risk is taken by the borrower, rather than sharing the risk and the profits with both parties.
  • Riba creates a monopoly in society, where the rich are rewarded for being wealthy, while those who are not are forced to pay extra!

Dr. Mohammad Al-Wasabi writes in his book ” The Prohibition OF Riba”:


For Muslims, the prohibition of riba as evidenced in the Qur’an and Sunnah should be sufficient. However we can attempt to articulate some rationale or reasons for its prohibition to better appreciate the wisdom behind the injunction. Although the responses to the misconceptions stated in the previous section constitute important rationales, some of the additional rationales for the prohibition of riba are provided as the following:


  1. Riba is a cause of injustice and exploitation


Riba is considered a form of injustice and exploitation, which contradicts the core Islamic teachings of social justice. It is unjust for lenders to guarantee return with no involvement in risk. Because riba entails taking advantage of a man’s inferior economic position it breeds hatred, jealousy and ill-will towards the rich o This behavior kills the spirit of cooperation in the society and discourages people from doing good to each other.


  1. Riba leads to the creation of materialistic society o In Islam, incurring debt is discouraged.

The Prophet (pbuh) refused to offer Salat-ul janazah of a person who died indebted. Lending is a charitable act. Borrowing money should be limited to cases of dire needs. o On the other hand, permitting riba enables lending to become a viable business. Banks are motivated to lend as much as possible. They exploit man’s inherent greed to spend beyond their means by offering credit which will result in negative repercussions. Easy availability of credit cultivates a materialistic society. People have to work harder and harder for longer hours, and may exercise unethical business practices in order to repay bank debt. All this leads to less emphasis on the family, negative effect on social relations amongst the people which leads to social ills o The banks in essence exercise “control” over people who become “enslaved” to the banks.


  1. Riba discourage productive work

Interest-based financing results more wealth collected by lenders without exerting much effort or contributing to productive activity. o Money by itself is not part of capital in economic definition and hence, is not a productive resource.  o From an Islamic point of view, money should not be rewarded. Money functions as a medium of exchange or a store of value and cannot be utilized for fulfilling human needs directly. It can only be used for acquiring goods or services, which have a fundamental use. o Managerial and entrepreneurial skills along with the productive use of money are the essential factors in converting it into capital. The lenders of the money have no input in the conversion process and thus, they do not deserve a reward. Riba encourages the creation of wealth with no effort from its provider at the cost of borrower. The value of work is reduced.


  1. Riba impedes healthy economic development

Riba generates negative effects on production since it is security oriented rather than growth oriented.  Lending is confined to established businesses with known creditworthiness and adequate security (collateral) not profitability. Banks are not willing to experiment new and unproven methods of production, especially for small-scale enterprises and agriculture.  Utility of certain projects is with reference to criteria other than profitability and benefit to society, like financing of luxurious or wasteful consumption and/or production o Lenders preferred to finance large-scale businesses, which results in domination of big businesses over smaller entrepreneurs. This behavior will curtail competition and in turn will affect product variety. o Riba discourages innovation since potential entrepreneurs without security to pledge are denied credit.


  1. Riba increases the disparities in income and wealth

The rich (who are most likely to be the lender) take advantage of the need of the poor (the borrower) for money by charging interest, which adds to the burden of the borrower. As a result, the rich becomes richer and the poor becomes poorer. Thus, riba increase wealth inequality among the members of the society. o Lacking collateral and established economic standing, poorer segments of the economy are at an economic disadvantage when competing for credit to finance economic activities. As a result, wealth and income disparities increase among the society members, which generate envy and hatred among the society.


  1. Riba discourages partnership

A loan provides a fixed return to the lender regardless of the outcome of the borrower’s course of action. From an Islamic point of view, it is much fairer to share in the profits and the losses.  o The supplier of capital has the right to a return, but this return should be equivalent to the risk and effort involved in the project for which the finances are supplied. Therefore, Shari’ah promotes profit and risk sharing.

During the global financial crisis in 2008 and 2009, the Daily Vatican newspaper, L’Osservatore Romano, reported the Vatican as saying that the Islamic finance system may help Western banks in the crisis as an alternative. The Vatican advised:

“The ethical principles on which Islamic finance is based may bring banks closer to their clients and to the true spirit which should mark every financial service.”

Where a riba-based market fails, Islamic financial institutions do not suffer the same consequences since the risk is shared by both parties. Lenders will be more careful, as they also share the risk of losing money if the borrower cannot pay back the original sum.

Given all the problems that riba creates, it is no wonder Islam prohibits such a detestable act.


  • “Veil has been the component of Arabian Ancient Culture and not the part of Islamic code of dress. So, women are not supposed to practice veil in daily life as an element of suppression. It’s the fault of men who stare at women and not the fault of women. Men should lower their gaze and women are free to the adaptations of fashion, glamour and pulpy trends.”

Let’s see what does Qur’an and Hadith says about veil. Is it a part of culture or commandment of Allah swt.

 Allaah SWT says:

  1. “And tell the believing women to lower their gaze (from looking at forbidden things), and protect their private parts (from illegal sexual acts) and not to show off their adornment except only that which is apparent (like both eyes for necessity to see the way, or outer palms of hands or one eye or dress like veil, gloves, head cover, apron), and to draw their veils all over Juyoobihinna (i.e. their bodies, faces, necks and bosoms) and not to reveal their adornment except to their husbands, or their fathers, or their husband’s fathers, or their sons, or their husband’s sons, or their brothers or their brother’s sons, or their sister’s sons, or their (Muslim) women (i.e. their sisters in Islam), or the (female) slaves whom their right hands possess, or old male servants who lack vigor, or small children who have no sense of feminine sex. And let them not stamp their feet so as to reveal what they hide of their adornment. And all of you beg Allaah to forgive you all, O believers, that you may be successful”[10]

2 – Allaah says (interpretation of the meaning): 

“And as for women past childbearing who do not expect wedlock, it is no sin on them if they discard their (outer) clothing in such a way as not to show their adornment. But to refrain (i.e. not to discard their outer clothing) is better for them. And Allaah is All‑Hearer, All‑Knower”[11]

“Women past childbearing” are those who no longer menstruate, so they can no longer get pregnant or bear children.

We shall see below the words of Hafsah bint Sireen and the way in which she interpreted this verse.

3 – Allaah SWT says: 

“O Prophet! Tell your wives and your daughters and the women of the believers to draw their cloaks (veils) all over their bodies (i.e. screen themselves completely except the eyes or one eye to see the way). That will be better, that they should be known (as free respectable women) so as not to be annoyed. And Allaah is Ever Oft‑Forgiving, Most Merciful”[12]

4 – Allaah says (interpretation of the meaning): 

“O you who believe! Enter not the Prophet’s houses, unless permission is given to you for a meal, (and then) not (so early as) to wait for its preparation. But when you are invited, enter, and when you have taken your meal, disperse without sitting for a talk. Verily, such (behavior) annoys the Prophet, and he is shy of (asking) you (to go); but Allaah is not shy of (telling you) the truth. And when you ask (his wives) for anything you want, ask them from behind a screen that is purer for your hearts and for their hearts. And it is not (right) for you that you should annoy Allaah’s Messenger, nor that you should ever marry his wives after him (his death). Verily, with Allaah that shall be an enormity”[13]

With regard to the Ahaadeeth: 

1 – It was narrated from Safiyyah bint Shaybah that ‘Aa’ishah (may Allaah be pleased with her) used to say: When these words were revealed – “and to draw their veils all over Juyoobihinna (i.e. their bodies, faces, necks and bosoms)” – they took their izars (a kind of garment) and tore them from the edges and covered their faces with them.

Narrated by al-Bukhaari, 4481. The following version was narrated by Abu Dawood (4102):

May Allaah have mercy on the Muhaajirs women. When Allaah revealed the words “and to draw their veils all over Juyoobihinna (i.e. their bodies, faces, necks and bosoms)”, they tore the thickest of their aprons (a kind of garment) and covered their faces with them.

Shaykh Muhammad al-Ameen al-Shanqeeti (may Allaah have mercy on him) said:

This hadeeth clearly states that what the Sahaabi women mentioned here understood from this verse – “and to draw their veils all over Juyoobihinna (i.e. their bodies, faces, necks and bosoms)” – was that they were to cover their faces, and that they tore their garments and covered their faces with them, in obedience to the command of Allaah in the verse where He said “and to draw their veils all over Juyoobihinna (i.e. their bodies, faces, necks and bosoms)” which meant covering their faces. Thus the fair-minded person will understand that woman’s observing hijab and covering her face in front of men is established in the saheeh Sunnah that explains the Book of Allaah. ‘Aa’ishah (may Allaah be pleased with her) praised those women for hastening to follow the command of Allaah given in His Book. It is known that their understanding of the words “and to draw their veils all over Juyoobihinna (i.e. their bodies, faces, necks and bosoms)” as meaning covering the face came from the Prophet (peace and blessings of Allaah be upon him), because he was there and they asked him about everything that they did not understand about their religion. And Allaah says : 

“And We have also sent down unto you (O Muhammad) the Dhikr [reminder and the advice (i.e. the Qur’aan)], that you may explain clearly to men what is sent down to them, and that they may give thought”[14]

Ibn Hajar said in Fath al-Baari:

There is a report of Ibn Abi Haatim via ‘Abd-Allaah ibn ‘Uthmaan ibn Khaytham from Safiyyah that explains that. This report says: We mentioned the women of Quraysh and their virtues in the presence of ‘Aa’ishah and she said: “The women of Quraysh are good, but by Allaah I have never seen any better than the women of the Ansaar, or any who believed the Book of Allaah more strongly or had more faith in the Revelation. When Surah al-Noor was revealed – “and to draw their veils all over Juyoobihinna (i.e. their bodies, faces, necks and bosoms)” – their menfolk came to them and recited to them what had been revealed, and there was not one woman among them who did not go to her apron, and the following morning they prayed wrapped up as if there were crows on their heads. It was also narrated clearly in the report of al-Bukhaari narrated above, where we see ‘Aa’ishah (may Allaah be pleased with her), who was so knowledgeable and pious, praising them in this manner and stating that she had never seen any women who believed the Book of Allaah more strongly or had more faith in the Revelation. This clearly indicates that they understood from this verse – “and to draw their veils all over Juyoobihinna (i.e. their bodies, faces, necks and bosoms)” – that it was obligatory to cover their faces and that this stemmed from their belief in the Book of Allaah and their faith in the Revelation. It also indicates that women’s observing hijab in front of men and covering their faces is an act of belief in the Book of Allaah and faith in the Revelation. It is very strange indeed that some of those who claim to have knowledge say that there is nothing in the Qur’aan or Sunnah that says that women have to cover their faces in front of non-mahram men, even though the Sahaabi women did that in obedience to the command of Allaah in His Book, out of faith in the Revelation, and that this meaning is also firmly entrenched in the Sunnah, as in the report from al-Bukhaari quoted above. This is among the strongest evidence that all Muslim women are obliged to observe hijab.

Adwa’ al-Bayaan, 6/594-595.

2 – It was narrated from ‘Aa’ishah that the wives of the Prophet (peace and blessings of Allaah be upon him) used to go out at night to al-Manaasi’ (well known places in the direction of al-Baqee’) to relieve themselves and ‘Umar used to say to the Prophet (peace and blessings of Allaah be upon him), “Let your wives be veiled.” But the Messenger of Allaah (peace and blessings of Allaah be upon him) did not do that. Then one night Sawdah bint Zam’ah, the wife of the Prophet (peace and blessings of Allaah be upon him), went out at ‘Isha’ time and she was a tall woman. ‘Umar called out to her: “We have recognized you, O Sawdah!” hoping that hijab would be revealed, then Allaah revealed the verse of hijab.

Narrated by al-Bukhaari, 146; Muslim, 2170.

3 – It was narrated from Ibn Shihaab that Anas said: I am the most knowledgeable of people about hijab. Ubayy ibn Ka’b used to ask me about it. When the Messenger of Allaah (peace and blessings of Allaah be upon him) married Zaynab bint Jahsh, whom he married in Madeenah, he invited the people to a meal after the sun had risen. The Messenger of Allaah (peace and blessings of Allaah be upon him) sat down and some men sat around him after the people had left, until the Messenger of Allaah (peace and blessings of Allaah be upon him) stood up and walked a while, and I walked with him, until he reached the door of ‘Aa’ishah’s apartment. Then he thought that they had left so he went back and I went back with him, and they were still sitting there. He went back again, and I went with him, until he reached the door of ‘Aa’ishah’s apartment, then he came back and I came back with him, and they had left. Then he drew a curtain between me and him, and the verse of hijab was revealed.

Al-Bukhaari, 5149; Muslim, 1428.

4 – It was narrated from ‘Urwah that ‘Aa’ishah said: The Messenger of Allaah (peace and blessings of Allaah be upon him) used to pray Fajr and the believing women would attend (the prayer) with him, wrapped in their aprons, then they would go back to their houses and no one would recognize them.

Narrated by al-Bukhaari, 365; Muslim, 645.

5 – It was narrated that ‘Aa’ishah (may Allaah be pleased with her) said: “The riders used to pass by us when we were with the Messenger of Allaah (S) in ihraam, and when they drew near to us we would lower our jilbabs from our heads over our faces, then when they had passed we would uncover them again.

Narrated by Abu Dawood, 1833; Ibn Maajah, 2935; classed as saheeh by Ibn Khuzaymah (4,203) and by al-Albaani in Kitaab Jilbaab al-Mar’ah al-Muslimah.

6 – It was narrated that Asma’ bint Abi Bakr said: We used to cover our faces in front of men.

Narrated by Ibn Khuzaymah, 4/203; al-Haakim, 1/624. He classed it as saheeh and al-Dhahabi agreed with him. It was also classed as saheeh by al-Albaani in Jilbaab al-Mar’ah al-Muslimah.

7 – It was narrated that ‘Aasim al-Ahwaal said: We used to enter upon Hafsah bint Sireen who had put her jilbab thus and covered her face with it, and we would say to her: May Allaah have mercy on you. Allaah says (interpretation of the meaning): “And as for women past childbearing who do not expect wedlock, it is no sin on them if they discard their (outer) clothing in such a way as not to show their adornment” [al-Noor 24:60]. And she would say to us: What comes after that? We would say: “But to refrain (i.e. not to discard their outer clothing) is better for them”. And she would say: That is confirming the idea of hijab.

Narrated by al-Bayhaqi, 7/93.

so, When Allaah, may He be exalted, and His Messenger (peace and blessings of Allaah be upon him) enjoin something, it is obligatory for the Muslim to say, “We hear and we obey,” and to hasten to carry out what has been enjoined upon him. This is what is required by faith in Allaah.

Allaah SWT says: 

“It is not for a believer, man or woman, when Allaah and His Messenger have decreed a matter that they should have any option in their decision. And whoever disobeys Allaah and His Messenger, he has indeed strayed into a plain error”[15]

Shaykh ‘Abd al-Rahmaan al-Sa’di (may Allaah have mercy on him) said:

It is not for a believer, man or woman” means: it is not appropriate or befitting for the one who is described as a believer to do anything other than to hasten to please Allaah and His Messenger, and to flee from incurring the wrath of Allaah and His Messenger, and to obey their commands, and to avoid that which they have prohibited. It is not appropriate for a believing man or a believing woman “when Allaah and His Messenger have decreed a matter” and enjoined it, “that they should have any option in their decision”. They do not have the choice of whether to do it or not, rather the believing man and the believing woman know that the Messenger is dearer to them then their own selves, so they should not let their own whims and desires form a barrier between them and obeying the command of Allaah and His Messenger.

And whoever disobeys Allaah and His Messenger, he has indeed strayed into a plain error” means, an obvious error, because he has forsaken the Straight Path which leads to the reward of Allaah, and has strayed to another path which leads to a painful torment. So Allaah mentions first the reason for not going against the command of Allaah and His Messenger, which is faith, then He mentions the deterrent for that, which is fear of going astray, which leads to punishment and humiliation.

Tafseer al-Sa’di, p. 612.

The Hijab is Modesty

Islam promotes modesty and decency and seeks to minimize immorality within society. The Hijab, amongst other things, helps attain this goal.

“Say to the believing men that they should lower their gaze and guard their modesty: That is purer for them; and Allah is well acquainted with all that they do. And say to the believing women that they should lower their gaze and guard their modesty. They should not display their beauty except that which is apparent; that they should draw their veils over their chests and not display their beauty…”[16]

Note that in the above verses, it is men who are addressed first in regards to lowering their gaze and guarding their modesty. This counters the claim that all responsibility for such modesty is shouldered by women.

While Islam discourages public displays of immodest dress and sexual behavior, being a practical religion, Islam encourages love, affection and intimacy between married couples in private.

The Hijab is Protection

The wisdom behind the Hijab is to minimize sexual enticement and moral degradation in society as much as possible for both men and women. The Hijab helps protect men, women and society by creating stability in both families and communities in a number of ways:

  • Shields from unwanted advances.
  • Shields women from perverted looks and superficial scrutiny.
  • May help reduce the likelihood of sexual assaults against women.
  • Shields from sexual exploitation of women based on appearance.
  • Shields from temptations and harmful desires.

The Hijab is Dignity

The Hijab promotes a woman’s femininity rather than suppressing it, and grants women dignity and self-respect for who they are, as opposed to being judged by superficial standards, such as appearance. This grants women the power to shape their own dignity via more meaningful standards, such as righteousness, knowledge and societal contribution, rather than having a consumer society dictate their worth through material means, such as how they look or how much money they earn. In the sight of God, men and women do not have to be identical in order to be equal, and this is reflected in the different roles and responsibilities which apply to each.

Nobel Peace Prize winner, Tawakkul Karman, ‘The mother of Yemen’s revolution,’ when asked about her Hijab by journalists and how it is not proportionate with her level of intellect and education, replied:

“Man in early times was almost naked, and as his intellect evolved he started wearing clothes. What I am today and what I’m wearing represents the highest level of thought and civilization that man has achieved, and is not regressive. It’s the removal of clothes again that is a regression back to the ancient times.”

The Hijab is Respect

In a number of societies today, many women are taught from early childhood that their worth is proportional to their attractiveness. They are compelled to follow unrealistic and demeaning standards of beauty in order to satisfy unreasonable peer pressure and community expectations. In such a superficial environment, where so much emphasis is placed on external beauty, the internal beauty of the individual counts for very little.

Islam however, teaches that a woman is to be respected according to her virtuous character and actions rather than by her looks or physical features, of which she has little or no control. She does not have to use her body and charms to gain recognition or acceptance in society, as the Hijab directs self-worth away from appearance and onto qualities such as piety, virtue, modesty and intellect – attributes which are more equally accessible to all.

Every woman who wears a hijab or burqa is a unique individual, and it is unfair and inaccurate to make a sweeping judgement about all such women based on one item of clothing they have in common.

The Hijab in the Bible

The Hijab is not something new. Muslim women follow the example of righteous women in the past such as Mary, the mother of Jesus. Some of the evidence from the bible includes the following two verses.

“And every woman who prays or prophesies with her head uncovered dishonors her head.” 1 Corinthians 11:3-6

“I also want women to dress modestly, with decency and propriety, not with braided hair or gold or pearls or expensive clothes, but with good deeds, appropriate for women who profess to worship God.” 1 Timothy 2:9-10

The Hijab is Confidence

The Hijab enables women to have confidence in themselves as human beings. It increases the self-esteem of women by allowing them to focus on what really matters in life. The obsession with physical appearance can have dangerous and unhealthy consequences, as some women go to harmful lengths in order to feel accepted by an increasingly demanding society. The Hijab helps prevent such mental and physical harms associated with a lack of confidence, by limiting self-consciousness based on appearance.

“I don’t wear it because I am oppressed, I wear it because I am empowered.”Joumana, 23, Melbourne

The Hijab is NOT

  • It does NOT hinder contribution to society.
  • It is NOT a symbol of oppression.
  • It is NOT required in places where there are only females and close male relatives.
  • It is NOT a sign of female inferiority to men.
  • It is NOT a means to restrict a woman’s freedom to express her views and opinions.
  • It is NOT a means to restrict women from pursuing an education or a suitable career.
  • It is NOT a portable prison.
  • It is NOT an act of defiance, confrontation or protest against non-Muslims.
  • It is NOT something new – it has been practiced by many righteous women historically.
  • It is NOT against community values – community values necessitate that people should not be judged by what they wear, nor discriminated against or mistreated, based on their choice of clothing or appearance.
  • It is NOT worn with the intention of being intimidating or anti-social.

What Muslim Women Say About the Hijab

“I wore it at the age of 17 and now regret not wearing it earlier.” Faten, 27, Melbourne

“It’s not about being ready enough to wear it, it’s about being fortunate enough to wear it.” Madina, 22, Melbourne

“Wearing Hijab represents my freedom, my choice, not my oppression by the wants of men and media.” Nusaybah, 45, Melbourne

“I like wearing the hijab because I’m doing it for the sake of Allah, and every time I think about that, it puts a smile on my face.” Aisha, 13, Melbourne

“It allows me to realize my goals by having a career and going to school without worrying about the prying eyes of men. It forces people not to judge me based on my appearance, but on my thoughts and character.” Ms. Flavia, 22, USA

“My body is my business, and I shouldn’t have to defend what I wear to anyone. It is part of my religion, and the fact that I choose to wear it does not make me any less human.” Ms. Yasmin, 21, Australia

So,The Hijab is an act of obedience between the Muslim woman and her Creator. It is a source of empowerment and dignity, and millions of Muslim women around the world choose to wear the Hijab as part of their faith. Far from being oppressive, the Hijab is an act of liberation, purity and most importantly, belief. Respect for women is an important aspect of Islamic teachings, and this is illustrated via the Hijab.

True equality will occur when women do not need to display themselves to be valued nor defend their decision to keep their bodies to themselves.

[1] [Ghaafir 40:12]


[2] [Yousuf 12:40]


[3] [at-Teen 95:8}

[4] [al-Kahf 18:26]


[5] [Al-Maa’idah 5:50].


[6] [Yousuf 12:40]


[7] [Al-An ‘aam 6:57].


[8] Al-Ankabût 29: v: 41

[9] [al-Baqarah 2: 275-276]

[10] [al-Noor 24:31]


[11] [al-Noor 24:60]


[12] [al-Ahzaab 33:59]


[13] [al-Ahzaab 33:53]


[14] [al-Nahl 16:44]


[15] [al-Ahzaab 33:36]


[16] Quran 24:30-31





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