Sunday, 29 June 2014

Quran and Economics

This was the mid term for the  Quran and Economics class i took with Prof Abbas Mirakhor. It was an honor to be his student.



Q1. (20 points) Explain the economic consequences of rule compliance at decision points. Explain how rule compliance can create opportunity for radical changes in consciousness as well as in economic consequences of a person’s action when individuals have to make decisions under uncertainty. Please give as many examples as possible to illustrate your arguments. Please also provide citations from the Qur’an and from the reference sources in the reading list of the Course Outline.

Decision Points
What are decision points? There are instances in life when you are required to make some decisions. Those decisions that you make may seem insignificant or life changing. Each decision is recorded as rule-compliant or a rule-violation. The decision point in life has a “butterfly effect”, as the chaos theory suggests that a system that approaches a bifurcation point becomes so sensitive that it can amplify small changes into large feedbacks. The trials and tribulations can be life changing and a major shock to a person but it also allows for quantum upward leap in consciousness. But why are we put in that position? The tests, trials and tribulations make us aware and knowledgeable about our weaknesses and strength. The tests vary in their intensity according to the extent that each soul can bear and the progress it makes towards its Creator.


Do people think that they will be left alone because they say: we believe, and they will not be tested? (29:2)

The response to every trial or tribulation in life is important. If the response is rule-compliant, it becomes an occasion for self-development through greater strength of belief and feeling security within the Walayah (Love) of the Supreme Creator. The person is able to respond through the demonstration of walayah (active love) to other humans through the love towards the Creator. This is self-progress. The reverse is obtained when the response is one of rule-transgression, thus treating others unjustly. This leads to regression, and away from the Creator.[1]The decision points and the intensity of the trials will increase as the person makes more rule-compliant decisions thus elevating his consciousness towards his Creator. A person is able to progress from a unconscious state to being self-conscious and further elevating himself to universal consciousness. Man achieves Fitri consciousness when he is finally conscious about his Creator and once he reaches this point he has found the safety and sanctuary of Allah SWT where external stimuli no longer harms him but he can still have lapses in memory and be non-rule compliant.
To further elevate his status, he is subjected to further tests and if he makes the correct decisions that are rule-compliant, he is able to achieve Allah consciousness where he becomes sinless and becomes fully rule-compliant. The final stage of the self-development is the transcendental consciousness, where the person in this stage is completely overcome by his love for Allah SWT and no longer longs for paradise or has fear of hell, but is in love with his Creator alone.

Rules and rule- compliance

The Quran is a code of human conduct and it is clearly mentioned in the Quran (al-Baqarah, 2:2-5)

2:2

This is the Book about which there is no doubt, guidance for those conscious of Allah


Who believe in the unseen, establish prayer, and spend out of what We have provided for them,


And who believe in what has been revealed to you, [O Muhammad], and what was revealed before you, and of the Hereafter they are certain [in faith].


 Those are upon [right] guidance from their Lord, and it is those who are the successful.

The code of conduct endorsed by the Quran if abided by man will enable him to live in peace with himself and in peace with his external world of relations, achieving the true success in the hereafter.[2]
The Quran has laid down rules for every segment of life. As an individual, man has to perform certain duties for salvation. He has to say the proclamation of faith, pray five times a day, fast in the month of Ramadan, pay annual zakat and perform the Hajj at least once in his lifetime. These are the bare minimum rules he has to perform as an individual.
Then there are rules that he has to abide by as a member of society. There are rules on how to be a son, daughter, wife, husband, as a friend, as a citizen. There are rules on how to conduct trade, to value contracts, on property rights, on market behavior and inheritance and to care for the orphans and the poor. There are rules on how to treat others and the important characteristics of man like trust, cooperation, and consultation, justice, to enjoin good and forbid evil. 
When one is faced with the decision point and has to decide to be rule-compliant or a rule violator, the saving factor is taqwa or Allah-consciousness. Taqwa stops us from violating rules and the best example of rule –compliance is the life of Rasullullah SAW which embodied the Quran.

Examples from Quran and Reading list
Satan and the Prophet Adam AS made wrong choices at decision points. The difference between the two is, Prophet Adam AS recognized his mistake and apologized for his transgression, and Allah SWT forgave him. On the other hand, Satan remained defiant and earned the wrath of Allah SWT for eternity. (Al-Baqarah 2:34-36), (Al-Araf 7:12)

The story of seduction of Zulaikha, the wife of the Aziz of Egypt, of the Prophet Yusuf AS, is a crucial decision point. Both desired each other but the only saving factor was Prophet Yusuf AS’s fear of Allah SWT. He chose to be imprisoned than to be exposed to sin. (Surah Yusuf 12:23, 12:33)

The story of Prophet Yunus AS is also a good example of a decision point. He had been preaching for years in his village of Neynawa in Iraq but the people were heedless. In anger he left the village knowing well that the villagers would be destroyed. He thought he had done enough and embarked on a ship to leave the village a decision he made without permission from Allah SWT. The ship encountered a storm during the journey and in was custom at the time to cast ballots to sacrifice someone to appease God. The Prophet Yunus AS was chosen each time. Not only was be thrown into the raging sea, he was also swallowed by a big fish. It was in the triple darkness of the night, the sea and the belly of the fish that Prophet Yunus AS repented and seeked forgiveness. If it weren’t for Allah SWT’s mercy, he would have remained in the belly of the fish till the Day of Judgement. (Al-Anbiya 21:87-88)

Allah sent His torment on the village that disobeyed Him and broke their pledge and their covenant to observe the sanctity of the Sabbath. They began using deceitful means to avoid honoring the Sabbath by placing nets, ropes and artificial pools of water for the purpose of fishing before the Sabbath. When the fish came in abundance on Saturday as usual, they were caught in the ropes and nets for the rest of Saturday. During the night, the Jews collected the fish after the Sabbath ended. When they did that, Allah changed them from humans to monkeys.[3] The Jews had a choice to abide by Allah SWT’s rules but they resorted to trickery, to be rule-compliant and at the same time break the rule. That gained them the wrath of Allah SWT. (Al Araf, 7:163)

There were many tribes that were destroyed because they were rule-violators and the Quran is full of examples. The tribes of Ad (89:6-8), Thamud (27:45-52), Luth (7:84, 15:74-77), Nuh (29:14), Firaun and Prophet Musa AS (26: 63-68), the people of Saba (34: 15-17) are just some of the examples. Allah SWT wanted us to take heed from the lessons of consequences of rule- noncompliance.
  

Q2. (25 points) With reference to the books of Dr. Syed NawabHaider Naqvi and Dr. Umer M. Chapra and others given in the reading list, explain the present economic state of Muslim countries within the context of the following Verses of The Qur’an:

a.       Verse 53 of Chapter 8; Al-Anfal

“Because Allah will never change the favor which He hath bestowed on a people until
They change what is in their own souls and verily Allah is He who heareth and knoweth (all things)

b.      Verse 11 of Chapter 13; Al-Rad

For each (such person), There are (angels) in succession, Before and behind him, They guard him by command of Allah, Verily never will Allah change the condition of a people until they change it themselves (with their own souls)

c.       Verse 112 of Chapter 16.

Allah sets forth a Parable; A city enjoying security, and quiet, abundantly supplied with sustenance from every place; Yet it was ungrateful for the favors of Allah; so Allah made it taste of hunger and terror (in extremes) (closing in on it) like a garment (from every side) because of the (evil) which (its people) wrought.


The main lesson that can be derived from these verses is humans are architects of their fate. Only if mankind improves their own condition, they can bring development to society. In order for the development in society to prosper there must be justice and fairness at all levels of society. The fruits of development must be shared equitably by all.
If mankind had abided by the rules a perfect ideal economy could have been created but instead we have an economy that favors the rich and oppresses the poor.
Muslims of the world are among the poorest of the poor. The combined annual GDP of 57 Muslim countries are at $5.6 trillion. America is at $17.1 trillion; China $8.3 trillion, Japan $5.9 trillion and Germany $3.4 trillion. Oil rich Saudi Arabia, U.A.E., Kuwait and Qatar collectively produce goods and services (mostly oil) worth USD 575 billion while Netherlands alone is USD 772.2 billion.[4]
Nearly one in three people in the Arab world is illiterate, including nearly half of all women in the region, according to the Tunis-based Arab League Educational Cultural and Scientific Organisation (Alecso) . Three-quarters of the 100 million people unable to read or write in the 21 Arab countries are aged between 15 and 45. [5]

Timur Kuran, an economist blames Islam for the downfall of Muslim countries. He blames the social culture and Shariah rulings on business partnership and inheritance as some of the reasons for the lack of industrialization and rise of corporations in the Muslim world.[6]

Allah SWT states clearly in Surah An Nahl 16: 112 that the consequences of rule violation is destruction. The desctruction in all the Muslim countries is their own doing due to disregarding the rules set by Allah SWT.

Umer Chapra in his book “Muslim Civilization: The Causes of Decline and the Need for Reform” outlines some reasons for the decline in the Muslim world. Among the reasons he stated was widespread injustice, decline in education, separation of religion from the sciences and deterioration in the position of women. Among the reasons for the decline of the Ottoman empire is the political illegitimacy, where the caliphate is handen over from father to son and not elected by the people. The Sultans lived beyond their means and taxed their subjects unjustly. Greed and corruption increased and this lead to external borrowing and debasing of currency. Islamic Caliphate came to an end in 1924 after over 1200 years of rule[7].
Some of the examples of economic injustice had brought about the Arab Spring uprising in Egypt, Tunisia and Syria. The ruling class and their cronies enjoy the riches of the country while the poor are oppressed and taxed. There is no just equal distribution of wealth. Greed of leaders makes them servants to the super powers and they sell the wealth of the country to stay in power. Money is not spent on educating the citizens but instead spent on projects that benefit the leaders and their cronies.
One of the reasons for the Arab Spring that happened in 2011 is ageing dictatorship. Hosni Mubarak was the Egyptian leader for 31 years, Tunisia’s Ben Ali since 1987, while Muammar al Gaddafi ruled over Libya for 42 years and they ruled with iron fists to remain in power. Unemployment is a widespread phenomenon that has caused low living standards and discontentment among citizens. Corruption is a norm, where the cronies benefited from state-led development. In Egypt, new business elites collaborated with the regime to amass fortunes unimaginable to the majority of the population surviving on $2 a day. In Tunisia, no investment deal was closed without a kick-back to the ruling family.[8]Thus the Arab spring is the society taking action to purge their countries from the despots.
Poor Muslim women in Pakistan, India, Bangladesh are discriminated based on their gender. Society invests less on women compared to men who are viewed as superior. These women suffer from poverty of opportunities all their lives. They live on the mercy of their parents and then at the mercy of the husbands and in-laws. Housework, hard labor and child bearing are their lot in life. It is a vicious cycle where they are trapped in a system that is male-centric. These women given the right opportunities can increase the standard of living for the family as well as educate their children. In order to break the poverty cycle, education is of utmost importance but when faced with hunger, learning might not seem important.
There is also the separation between science and religion. The mostly poor children are sent to madrasahs that emphasize only on Islamic studies. Some of these madrasahs churn out militants who want to do jihad. Not many children have the opportunity to study the sciences and they are not given an environment that encourages freedom of thought and expression which could lead to innovation.  
 Dr. Umer Chapra, stated some of the factors that made Muslims rise as a civilization in his book. The people in the society are the primary force that determines the rise or fall of any civilization, thus providing dignity, equality and self-respect to all, irrespective of their race, sex, wealth and position is an important factor. Providing proper care and upbringing of children is another factor that is essential to ensure the quality of the future generation. Love of God, care for the underprivileged, maintaining social justice, bonds of Muslim brotherhood, good governance , law and order are other factors that was a catalyst for development and expansion of wealth.

Allah SWT clearly states in Surah Al Araf verse 96 that had societies been rule-compliant, they would have achieved the ideal economy but most of them are rule violators, the Muslim countries are among the poorest because of the rule violation.
If the people of the towns had but believed and feared Allah, We should indeed have opened out to them (All kinds of) blessings from heaven and earth; but they rejected (the truth), and We brought them to book for their misdeeds. (7: 96)

In his book “Islam, Economics and Society”, Dr.Syed Nawab Haider Naqwi wrote on the integration of ethics and economics by applying the Islamic axiom system which consists of tawhid, equilibrium (al adl wa al ihsan), free will (ikhtiar) and responsibility (fard). Tawhid is the understanding of Allah’s Omniscience, Omnibenevolence and His absolute ownership of all things. Al Adl Wa Al Ihsan is about social justice where people are entitled to equal economy and social progress. Man is given free will to make decisions but he must also be responsible for his decisions. The axiom system as a basis of economic statements can reduce poverty, ensure equality and distributive justice and foster economic growth.

The basic objectives of Islamic Economics is individual freedom to reap what he sows, distributive justice or qist, education for all, economic growth and job creation. If Muslim countries are able to achieve this, we can get out of the rut we are in. The Muslim population in each country must understand the fundamental objectives of an Islamic economy and strive to achieve it by changing ourselves and just like “tuning forks” vibrate the positive energy to others so they too can pass the peace and happiness to others.

  
Q3. (15 points)Based on the relevant Verses of the Qur’an and the reading list, explain the differences between the vision of economic development in the Qur’an and the theories of development in the conventional theory.

The definition of conventional economic development is achieving maximum material growth, profit maximum at minimum cost or ethical economics that conceptualize the well-being of the humans as the end of purpose of development. The origin of economic development can be traced back to Adam Smith in the 1700s who was inspired by the Scottish enlightment, who were a group of writers with the view that human potential can be improved with effort and cooperation. Smith believed with division of labor would result is specialization which would create more profit in return, thus economic development would be self- generating and self-sustaining. Smith’s central belief was that human economic interaction is governed mainly by self-interest, he is said to have said “it is not from the benevolence of the butcher, the brewer or the baker that we expect our dinner, but from their regards to their self-interest”.
The financial crisis that hit England and France during the latter part of the 1700s, resulted in the rejection of Adam Smith’s theory of linear automatic material progress through the free workings of the market with minimal interference from the state. Henry Saint Simon and his followers felt there must be government interference to create order and progress. In their view, it would be possible to create a social order fully conscious of the moral qualities that economic and social progress must embody. John Stuart Mill, distinguished progress with development, saying, progress is chaotic while development brought social and economic improvement. He shared the view of the Saint Simonians that an elite social class can oversee the development process and mitigate any problems caused by disorderly progress. There were other thinkers like Hegel, Engels Simmel, Weber, Freyer, Schrumpeter and Harrod who contributed towards the evolution of development thinking. The main ideas can be divided into four categories; the first is development is for the well-being for individual and society. The second category is the emphasis on an ordered progress and development. The third category is the concern with the best way of creating such a social order. The fourth category is preoccupation with ethics and morality.
Before World War II the focus was on growth and development of Western market capitalist societies. After WWII, the emphasis was on developing countries and the problem of underdevelopment. Many economists believed investment in industrialization was the way to go. Gunnar Mrydal suggested that radical institutional reforms would be necessary if developing countries were to make rapid progress. Harrod-Domar analysis concluded that there is no guarantee that a competitive market economy could achieve steady state path of long run growth. Solow argued stable, steady equilibrium path can be achieved using explicit and implicit neoclassical assumptions. He found the closer an economy is to its steady state, the slower its growth. Technology, human capital and institutions was also found to contribute towards development. Mahbub ul Haq finally discussed about humans as an end of development instead of as means of development. He envisioned the human development paradigm to have four components: equality, sustainability, productivity and empowerment. Amartya Sen introduced the concept of development as freedom. He views that there is lack of development because of constraints, and that development then becomes a process of removing constraints from people’s lives. These are some of the economic theories of development from the eighteenth century till the twenty first century.
The Islamic Economic Development
Islam is a rule-based system, where rule-compliance leads to progress and success. The Quran is the metaframework that specifies universal rules of behavior prescribed by Allah SWT. The fundamental difference between the two types of economies is the ultimate objective. The conventional economy emphasizes on profit maximization at minimum cost while conception of development based on the Islamic Metaframework  consists of three interrelated dimensions: development off self, the earth and society. Allah SWT has placed all natural resources at the disposal of humans to serve humanity and the rest of creation. Humans have accepted the responsibility as consequences of the primordial covenant.
The classical-neoclassical theories have agreed on four dimensions that is scarcity, rationality, state and markets.
Scarcity
The classical-noeclassical believe in scarcity of resources. Allah SWT clearly states in the Quran that all things are created in “exact measure” (54 :49 , 13:8, 65:3) indicating that the Lord Cherisher, Sustainer of all creation provides sufficient sustenance for all in His creation including for mankind. Thus scarcity is not a binding constraint at the level of entire humanity (macro-level) but it is a constraint at a micro level, as a test of patience  for the have-nots and a test of rule-compliance for those well-off. Micro-scarcity is an issue that involves the socio-economic justice (qist).
Rationality
Allah SWT has endowed man with ‘aql’ (intellect) to allow for reasoning. In Islam man is given a set of rules, the reasoning is used because he has freedom of choice. Using rationality without any guidance from the Creator would lead to nothing. The Quran refers to human reasoning without guidance from Allah SWT as whim and caprice (28:50, 25:43-44). Action-decisions process, in Islamic rationality, relies entirely on meditative-reflective reasoning fully aware of rules that govern action-decision in response to a stimulus.
Governance, state and market
There are no clear indication of a state or nation in the Quran, but refers to tribes or grouping of people with their shared values and belief system. The Quran points to a number of these societies that were destroyed due to noncompliance of rules. These are the people of Nuh (25:37), Lut (27:54) Hud(11:51-58), Salih (11:61-68) and others.
As for the concept of market, the Quran acknowledges its existence (25:7) an places great emphasis on the contracts of exchange and trade. A contract of exchange is needed for trade of goods and services and is more general than trade. Trade (tijarah) is an action of buying and selling. The Quran commands when a debt is contracted it is to be repaid on specified deadline and a contract must be written (2:282). In another verse (4:29) the Quran commands that trade must be based mutual consent.
It was the Prophet SAW who created the first market structure in accordance to the rules set b Allah SWT. He specified the rule on conduct in the market place and appointed a market supervisor to ensure rule-compliance. The Medinan market place complete with the rules established Prophet SAW shows the importance of the market and rules to its operations in an Islamic economy.[9]


Q4. (25 points) Consider Chapter 49 of the Qur’an (al Hujurat) in its entirety and considering your answer to Q2, note that the Chapter establishes the position of arRasulSalawatu Allah i ‘alayhiwaaalihi as the Beloved Messenger of Allah swt and then states rules of behavior. (1) Present arguments that, provided compliance with its substance, this Chapter in and of itself alone can establish a healthy, dynamic, prosperous, and just society, and (2) Assess the present state of Muslim societies and explain with reference to the Verses of the Chapter why these societies are behind in economic progress.
Surah Hujurat is surah 49 and is a Madinan Surah and it’s a compilation of commandments and instructions that were sent down on different occasions which have been put together because of relevancy of the theme. Most of these commandments were sent down during the final stage of Rasul SAW’s life at Madinah.
1) O you who believe! Make not [a decision] in advance before Allah and His Messenger and fear Allah. Indeed! Allah is All-Hearing, Omniscient.
 Prohibition of making a Decision in advance of Allah and His Messenger

Allah SWT teaches His faithful servants the good manners they should observe with the Messenger SAW which are respect, honor and esteem and to not rush in making decisions before him but rather follow his lead in all matters.

2) O you who believe! Raise not your voices above the voice of the Prophet, nor speak aloud to him in talk as you speak aloud to one another, lest [for the sake of such indecency] your deeds should be rendered fruitless while you perceive not.

Ordering Respect towards the Prophet SAW

This is another rule of behavior where Allah SWT teaches the believers to not raise their voices above the voice of the Prophet SAW. It was said that this ayat was revealed about Sayyidina Abu Bakr RA and Sayyidina Umar RA who raised their voices before the Prophet SAW over a dispute.
It is a disrespectful act and can be seen an an affront to the Prophet SAW and thus it is a sin.
3. Indeed, those who lower their voices in the presence of Allah’s Messenger (for the sake of good manners and their respect for him], they are the ones whose hearts Allah has tested [and prepared] for [entertaining] piety. For them are forgiveness and a great reward.
Allah SWT then ordains lowering one’s voice before the Messenger and encourages and recommends a better behavior.  
4. Indeed those who call you from behind the rooms, most of them refrain from intellection.
5. And if they had patience till you could come out to them, it would have been definitely better for them. And Allah is Oft-Forgiving, Most Merciful.

Allah SWT admonishes the uncivilized bedouins who used to call on the Prophet SAW when he was behind the dwellings of his wives. Allah SWT teaches them on social decorum and etiquette.
6. O you who believe! If an evil-doer comes to you with important news, verify it, lest you should harm people in ignorance [out of haste in belief and making decision], and afterwards you become regretful for what you have done.
Investigating the Reliability of news conveyed by the wicked
Allah SWT ordered verifying news that sinners and the wicked bring, and do not acknowledge until authenticity is proven. Otherwise if the sinner’s word is taken for granted and a decision is based on it, regardless its true or not, the authorities will be taking the lead of the sinners and may regret later.
7. And know that among you there is the Messenger of Allah [whom you should obey]. If he were to obey you in much of the matter, you would surely be in trouble. But Allah has endeared your faith to you and has beautified it in your hearts, and has made disbelief, disobedience [to Allah], and committing sin hateful to you. Such are they who are the rightly guided.
8. [This interest in belief and hate of disbelief are] a Bounty from Allah and His Favor. And Allah is Omniscient, All-Wise.

The Prophet SAW’s  Decision is Better

Allah SWT has ordained that the Prophet SAW must be honored, respected, be polite with him and obey his orders.




9. And if two parties or groups among the believers engage in fighting, then make peace between them both. But if one of them outrages against the other, then fight you against the one that outrages till it complies with the Command of Allah. Then if it complies [and ceases outrage], then make reconciliation between them justly, and be equitable. Indeed! Allah loves those who are equitable.

Making Peace between Disputing Muslims

Allah SWT orders us to make peace two believers if they fighting with each other. We are to help the oppressed and prevent the oppressor from hurting others.


10. The believers are nothing else than brethren. So make reconciliation amongst your brethren [in case contention and conflict arise] and fear Allah that you may receive Mercy.

Muslims are brethren and so should reconcile

Allah SWT clearly states that the believers are brethren. Just like brothers, who fight with each other all the time, they also to reconcile just as quickly. Since the relationship between believers are like brothers so some of characteristics of brethren are deep bilateral friendship, unanimous among strangers and based on innate nature

Allah SWT has elevated the relationship between Muslims to brotherhood, regardless of race, tribe and age. This leads to profound brotherly love amongst each other despite living in different parts of the world. This love is quite
11. O you who believe! Let not a group derides another. It may be that the latter are better than the former. Nor let women deride other women. It may be that the latter are better than the former. Neither defame one another, nor insult one another by nicknames [since] doing wrong after having faith is an evil practice [unbefitting you]. And whosoever does not repent [of committing such deeds], then they are indeed wrong-doers.
The Prohibition of mocking and ridiculing one another
The preceding verses talks about reconciling between Muslims who are at dispute and this verse talks about some of the factors that can cause conflict like deriding, belittling and slandering.
12. O you who believe! Avoid much suspicion. Indeed some suspicions are sins. And spy not [on others], neither backbite one another. Would one of you like to eat the flesh of his dead brother? By no means, [since] you would hate it. And fear Allah. Indeed, Allah is the One Who forgives and accepts repentance, Most Merciful.
This verse teaches us that we should not have bad opinion of people based on suspicion and Allah SWT likens back-biting to eating a corpse. Although Allah SWT warns the believers He is also Merciful and accepts sincere repentance. 

13. O people! We have created you from a male and a female and made you into nations and tribes that you may know one another. Indeed, the most honorable of you with Allah is that [one] who fears Allah. Indeed, Allah is Omniscient, All-Aware.

All Mankind are the Children of Adam and Hawwa

This verse is the essence of all human rights which is equality of the entire human race. Islam rejects all racial, tribal, cultural, social and economic segregation. The offspring of Adam and Hawwa were made into nations (non-Arabs) and tribes (Arabs). The only difference is the level of obedience to Allah SWT.


14. The Bedouin Arabs say: “We believe.” Say: “You believe not but you only say: ‘We have submitted [to the Will of Allah],’ for faith has not yet penetrated your hearts. But if you obey Allah and His Messenger, He will not decrease an iota in reward for your deeds. Indeed, Allah is Oft-Forgiving, Most Merciful.”

This verse distinguishes between Muslims and Mukmins. Islam is the outward and legal aspect of faith and whoever says the Shahadah is a Muslim but to become a Mukmin, the faith is real and is in the heart. But Allah SWT promises that there is no decrease in rewards due to them.
15. Believers are only those who have believed in Allah and His Messenger (S) and then doubt not but strive with their possessions and their lives for the Cause of Allah. They are the truthful [in their claims to faith].

Allah SWT further illustrates the characteristic of the Mukmins, they have faith in their hearts and think of nothing about sacrificing everything for Allah SWT.

16. Say: “Will you inform Allah of your religion while Allah knows all that is in the heavens and all that is in the earth; and Allah is All-Aware of everything.

Allah SWT reminds that He is All Knowing and has complete knowledge of all creations and sees them all.


17. They regard as a favor to you that they have converted to Islam. Say: “Count not your Islam as a favor to me. Nay, but Allah has conferred a favor upon you that He has guided you to the faith if you indeed are truthful.
18. Truly, Allah knows the Unseen of the heavens and the earth. And Allah is the All-Seer of what you do.

It is not a favour upon Allah SWT to accept Islam rather it is He Who favours with guidance. Allah SWT is aware of what is concealed in the Heavens and the Earth.
The rules of behavior in this Surah have some very important concepts for an Islamic state. Honor and respect need to be bestowed on a leader. The leader of a legally established government must be given allegiance by the citizens. When the government decrees a law or regulation, it is the duty of the citizens to obey. Total loyalty will cease to apply if the leader is no longer rule-compliant to the Laws of Allah SWT. In the case of openly violating the rules of Allah SWT, the people have the right to depose the government. If the government is fair and equitable then it is unlawful to organize armed rebellion to overthrow the government.[10]

Another concept of importance is to verify any piece of news received. In this time and age when fitnah or deception is very rampant we cannot distinguish the truth from falsehood, so verify information before making any decision. As a leader of an Islamic state, the lives of your citizens are of utmost importance thus anything that could lead to potential war must be investigated. The British conquered and colonized many countries in their heydays through spreading lies between leaders and instigating them to go to war, deploying their divide and rule strategy.

In an Islamic state peace must prevail. Any discontentment among the citizens must be addressed as it might harm the society. Political stability would ensure trade and foreign direct investment which would create more jobs. The citizens must be proud of their state and have a sense of brotherhood towards each other and everyone has the dream that is to see their state prosper. The sense of brotherhood would instill love for your neighbor, your friends, colleagues at work, teachers and everyone on the street. It would be a safe and friendly state to live in. Any violaters of peace who spread lies, slander and back-bite among the people should be prosecuted to deter similar behavior.

One of the most important goals for an Islamic state is to create a nation that treats everyone the same regardless of social status, race or gender, a truly equitable nation. People are promoted due only to merit. The abolishment of social classes creates a society where all its citizens are treated equally and are given equal opportunities. The capitalist system in Europe created classes with the royalty at the very top and the pheasants at the lowest social strata. The inequality of wealth distribution resulted in revolutions that destroyed the Russian and French monarchies.

Muslim countries are in the present state because of political instability. “There have been 54 cases of political instability in Muslim countries between 1955 and 2003. [11] From 1966 to 1989, the average number of new episodes per year in the Muslim world was 0.88, compared with averages of 1.63 from 1955 to 1965 and 1.78 in 1990-98. The
rash of new events in the early 1990s pushed the proportion of Muslim countries with ongoing state failures over 40 percent. A total of 14 new episodes of political instability occurred in Muslim countries in the 1990s, nine in sub-Saharan Africa and four in former communist states. 70 percent of predominantly Muslim countries in Africa south of the Sahara experienced instability in the years after state formation whereas only one-third of non-Muslim African countries did.”[12] Some of reasons for this instability are ethnic wars because of greed, subjugation and dominance. There is no acceptance of a leader and no allegiance to him to develop the state.
Another note of importance is asabiyah or complete loyalty towards ethnicity or tribe. Ethnic wars occur due to asabiyah, it is a rule violation because according to the Quran all Muslims are brethren, they are to help each other to develop their nation for mutual benefit. Their rule violation brought about their destruction but the non-Muslims who study these countries involved in wars would accuse Islam as the common factor among the warring factions.
Along the same lines, inequality between human beings especially the genders has brought much suffering to Muslim women. In his last sermon the Prophet SAW reminded Muslims to “treat your women well and be kind to them for they are you partners and committed helpers“ but in reality women in some Muslim countries are deprived of education, health care and  empowerment. The world population is at 6.8 billion and GDP is at USD 69.98 trillion and whereas the Muslim GDP is only at 11.2 percent based on the Muslim population of 1.6 billion. The Muslim GDP should e at 25 percent. The 13.8 percent disparity is due to the missing contribution from Muslim women into economy.

Muslim unity or rather disunity is another bone of contention with no solution at sight. The Shia’s and the Sunnis have been at war for ages. The Iran-Iraq war, also known as the First Persian Gulf War lasted from September 1980 to August 1988. Half a million Iraqi  and Iranian soldiers died, an equivalent number of civilians and more injured. Both countries are believed to have lost more than USD500 billion each. Economic development was stalled. Iraq had accrued USD 130 billion of international debt. The war did not benefit either party but made the British and American arms traders richer.[13]
There is still violence in Iraq between Iraqi Shias and the Iraqi Sunnis. A more pressing issue is the civil war in Syria. The unrest began in 2011, and so far the death toll has surpassed 100,000 in June 2013 and reached 120,000 by September 2013. The parties in conflict are Alawite government forces, militia and other Shia groups against the Sunni dominated rebel group.[14]
It has been deeply disturbing to research and write about these wars and harm that Muslims inflict on each other. Allah SWT has ordained us the rules and by violating it we only bring upon destruction and humiliation to ourselves. Allah SWT has also clearly said that He would not change our fate until we take action to change it ourselves. It is upon us to spread the true message of Islam through our actions more than our speech.
  

Q.5. (15 points) there is a famous Zen Proverb saying: “Do not confuse the moon with the finger that points at it.” Relate this to the worldview and ideology presently held by Muslims and the vision presented in the Qur’an as explained in the sources in the reading list and in class discussions. 

http://thehappymindbook.com/wp-content/uploads/2014/05/moon-finger.jpg
The story goes that Wu Jincang asked the Sixth Patriarch Huineng, "I have studied the Mahaparinirvana sutra for many years, yet there are many areas I do not quite understand. Please enlighten me." The patriarch responded, "I am illiterate. Please read out the characters to me and perhaps I will be able to explain the meaning."Said the nun, "You cannot even recognize the characters. How are you able then to understand the meaning?"
"Truth has nothing to do with words. Truth can be likened to the bright moon in the sky. Words, in this case, can be likened to a finger. The finger can point to the moon’s location. However, the finger is not the moon. To look at the moon, it is necessary to gaze beyond the finger, right?"
The current worldview that is held by Muslims are far removed from the vision of the Quran. There is a big lag between the universality of the Quran and the isolationist religiosity of the present day Muslim.[15]Muslims are divided in their beliefs, to the point that they kill each other. Riots between Shia and Sunni Muslims are widespread all over the world. They bicker over how to perform ablution or how to perform prayers, and that one mazhab is better than the other. Arab feels supremacy over the non-Arabs, and the non-Arabs have hatred towards the Arabs. When Muslims are oppressed and killed in a land far from us, we keep silent and turn the other way.
Our Islam is just to perform the rituals, to dress in a certain way and have lengthy discussions about fiqh issues. Anyone different from us is not accepted until they follow our way of life. Islam is viewed as a violent and barbaric religion when women are killed for the sake of honor. Culture is so immensely rooted into society that it is confused with Islam. The term jihad is so corrupted that Muslims are viewed as terrorists.

To relate it to the Zen saying we can say fiqh ruling is the finger. We are all engrossed in embracing the form that we forget the substance. The vision that the Quran had has been lost, for over the years from the time of the Prophet Muhammad SAW‘s demise, there has been a downward spiral in terms of the maqasid al Shariah or objective of the rulings. Some pilgrims who perform the Hajj are complying with the rule to perform hajj but they cause harm to other pilgrims due to their religious zealousness. They are so engrossed in following the finger but they forget to see the moon, to achieve Allah-consciousness. Most Muslims are just that, believers, they have not become Mukmins, who have reached the Allah consciousness. If they have God-consciousness in their heart they would not conduct atrocities in the name of religion.  To illustrate the state of Allah consciousness, there was an incident in the life of Caliph Umar that is quite apt. The Caliph was travelling from Madinah to Makkah and on the way he saw an African boy tending to his lambs. The Caliph asked the boy if he could sell one of the lambs to him. The boy replied he can’t do so because the lambs didn’t belong to him. The Caliph further prodded him by asking him to lie to his master that a wolf ate the lamb. The boy said he could cheat his master but could he cheat the Great Master who was listening to both of them? Sayyidina Umar RA was so impressed that he bought the slave boy and set him free. The African slave boy was illiterate, he was not taught by scholars nor did he read books of knowledge but he had Allah consciousness that made him do the right thing.[16]

The vision of the Quran is to inspire in man this sense of God, where every member of society is keeper unto another; that the whole mankind is the “Family of God”. The basic concept that the Quran wants to initiate is the concept of Unity of God, that there is nothing worthy of worship except God. [17]

Say: “O People of the Book! Come to common terms as between us and you: that we worship none but God; that we associate no partners with Him; that we erect not, from among ourselves, lords and patrons other than God. If then they turn back, say ye: "Bear witness that we (at least) are Muslims (bowing to Allah's Will).
                                                                                                        Ali Imran, 3:64

Another important vision in the Quran is the unity of man. Man is not to kill each other but embrace the differences and accept each other as they are.
“O mankind! We created you from a single (pair) of a male and a female, and made you into nations and tribes, that ye may know each other. Verily the most honored of you in the sight of Allah is the most righteous of you. And God has full knowledge and is well-acquainted (with all things).
                                                                                                Al-Hujurat, 49:13       

If man does his duty  as a vicegerent of Allah protecting his fellow men and women, the animals and the environment we would not be facing the problems of wars, famine, poverty, oppression and natural disasters.

“Mischief has appeared on land and sea because of (the meed) that the hands of men have earned: that (God) may give them a taste of some of their deeds: in order that they may turn back (from Evil).”
                                                                                                            Al-Rum, 30:41

Our only salvation is to turn back to Allah SWT and perform our duty as the vicegerent of Allah on this earth and enjoin good and forbid evil.




[1] Islam and Development: The Institutional Framework, Abbas Mirakhor, Idris Samawi Hamid, pg 148
[2] The Mind Al-Quran Builds, Syed Abdul Latif, pg 10
[3] Tafsir Ibn Kathir
[4] World Bank statistics for 2012
[5] Arabian business.com, January 2008
[6] John Cassidy, Annals of Economics, “Prophet Motive”, The New Yorker, February 2008, 2011, pg 32
[7] Umer Chapra, “Muslim Civilization: The Causes of Decline and the Need for Reform”

[8] The Root Causes of the Arab Awakening in 2011By Primoz Manfreda , Middle East Issues, About.com


[9] A. Mirakhor, I.Samawi Hamid, “Islam and Development: The Institutional Development”
[10] Muhammad Asad, Principles of  State and Government in Islam, pg 30
[11] Ted Robert Gurr, M.Wood, M. Marshall, Forecasting Instability: Are Ethnic Wars and Muslim Countries Different? Annual Meeting of the American Political Science Association, 2005
[12] Ibid
[13] Wikipedia
[14] Wikipedia
[15] The Mind Al-Quran Builds, Syed Abdul Latif, pg 1
[16] Ibid pg 1
[17] Ibid pg12

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