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10th Saffar 1440 affecting the Muslims in Kenya. 19th October 2018

Edition 5 KENYA’S FIRST MUSLIM NEWSPAPER www.thedailyobserver.co.ke FRIDAY EDITION

THE BAIT-UL-MAAL
THE ONLY TRULY ISLAMIC FINANCIAL INSTITUTION

By Khalid Ibrahim
In the midst of heated debate about fiat money, distinct charity functions but that provided a economy to grow so that by the commencement
banking and their permissibility in Islam an old broad range o financial services to Rasullulah of the Khilafah of Muawiyyah bin Abu Sufyan (ra)
concept has been introduced by conservative (saaw) his family, senior Sahaba, governors and the Muslims state was the second largest economy
Muslims that not only appears to be the solution their families and a wide range of senior state in the world.
for the problem of rib’a and the deceptive officials whose scope and functions were expanded The gold dinar and the silver dirham though they
western based monetary system. It appears to be by each subsequent Khalifah to become a central were not declared as legal tender by the regime
the foundation for the revival and resurgence of bank with a commercial banking arm, venture because of their intrinsic value and fungability
Islam. This matter is the matter of the Bait-ul- capital arm and what would be described today as backed by the Bayt-ul-Maal became the currency
Maal. an investment banking division. of choice for two-thirds of the world for a period
Established almost immediately upon the Muslims The Bayt-ul-Maal through a historians eyes today of nearly 400 years and when Islam began to
migration from Mecca to the city of Medina looking for its equivalent would be more like the decline the gold and silver standard remained as
the Bayt-ul-Maal remains the only Islamically financial supermarkets that western economies the currency standard for another 50 years for the
recognized financial institution and it is for this have spent the last ten years to create. It is a entire world.
reason that a growing number of Islamic scholars wonder that we who were far superior in the realm Though the gold and silver dinar were originally
have begun to argue that to remain true to the of money banking and finance have regressed to created by the Byzantium empire it is their
spirit of Islamic jurisprudence any attempt to bring copy the deceptive and fraudulent model of those adoption by the Khalifah Umar ibn Al-Khattab
a solution to the matter of rib’a must commence who were inferior to us. (ra) as one of five currencies to be used in the
with looking at how we regulated and managed The Bayt-ul-Maal as an institution survived all Muslim world that gave the dinar and dirham life
financial affairs amongst the Muslims over 1,300 the way until 1924 un-interrupted presiding over and that has kept them in the money debate for
years of Islamic world domination. Such an unmatched economic upliftment and integration the subsequent 1,400 years.
examination would be deficient without an almost wherever the word of Islam touched.
forensic examination of the Bayt-ul-Maal. This venture into the monetary realm created
Second the Bayt-ul-Maal was the quasi-custodian monetary stability and enabled the Muslim
Modern Islamic historian Fazlur Rahman Malik from as early as the Khilafah of Abu Bakr (ra) of economy to grow so that by the commencement
in an audit of the actual functions of the Bayt-ul- commodity money among the Muslims and by of the Khilafahof Muawiyyah bin Abu Sufyan (ra)
Maal in his epic book “Rib’a and Interest” written the Khilafah of Umar (ra) the Bayt-ul-Maal was the Muslims state was the second largest economy
in 1964 makes six startling revelations that are of minting gold dinar and silver dirham as the key in the world.
great interest when it comes to this topic. determinant of monetary policy in the Muslim The gold dinar and the silver dirham though they
First the Bayt-ul-Maal established by Rasullulah Ummah.This venture into the monetary realm were not declared as legal tender by the regime
(saaw) was a very basic financial institution with created monetary stability and enabled the Muslim
Continued on page 3

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A Mosque Is Only A Mosque If It Calls To The Law


Of Allah
By Ayman Ayub

A mosque is not a building. A mosque is the for Tabuk, saying: ‘O Messenger of God, we an outpost, an observation post, for those who
Aqeedah of the administration and the people have built a mosque for the sick and needy and waged war against God and His Messenger
of the mosque. If the mosque for instance for rainy and cold nights, and we would like you before, that is, before it was built — meaning
promotes democracy or rib’a or gambling the to visit us and pray for us in it.’ [The Prophet] the above-mentioned Abu ‘Amir — they will
vast majority of the Ulama are of the opinion said that he was on the verge of traveling, and swear: ‘We desired nothing, by building it, but,
that the mosque can be avoided or even was preoccupied, or words to that effect, and to do, good’, by way of kindness towards the
boycotted for its deviation from the Shariah. that when he returned, God willing, he would poor in times of [heavy] rain or [extreme] heat
In the worst case the mosque can be destroyed. come to them and pray for them in it. When he and in order to provide [a place of worship] for
The evidence for this is detailed herein stopped in Dhu Awan, news of the mosque came the Muslims; and God bears witness that they
to him, and he summoned Malik b. Dukhshum, are truly liars, in this [claim of theirs]. They had
Masjid ad-Dirar was a mosque built in Madinah
a brother of the Banu Salim, b. Awf, and Ma’n asked the Prophet (saaw) to perform prayers in
by a monk named Abu Amir and some
b. Adi, or his brother Asim b. b. Adi, brothers of it.”
hypocrites. It was built close to masjid Quba’
the Banu al-Ajlan, and said: ‘Go to this mosque
with the intention of mischief and plots to Tafsir Ibn Kathir: The reason behind revealing
whose owners are unjust people and destroy
disuniting the Muslims. After it was built, Abu these honorable Ayat is that before the
and burn it.’ They went out briskly until they
Amir invited the Prophet (saaw) to pray in it. Messenger of Allah migrated to Al-Madinah,
came to the Banu Salim b. Awf who were malik
The Prophet (saaw) accepted the invitation there was a man from Al-Khazraj called
b. Al-Dukhsum’s clan. Malik said to Ma’n, ‘Wait
and promised to pray in it after he’s back “Abu `Amir Ar-Rahib (the Monk).” This man
for me until I bring fire from my people.’ He
from his journey. When the Prophet (saaw) embraced Christianity before Islam and read
went to his kinsfolk and took a palm branch
returned from his journey, Allah exposed the the Scriptures. During the time of Jahiliyyah,
and lighted it. Then both of them ran until they
hypocrites’ plots and informed the Prophet Abu Amir was known for being a worshiper
entered the mosque, its people inside, set fire
(saaw) about their hypocrisy and ill intentions. and being a notable person among Al-Khazraj.
to it and destroyed it and the people dispersed.
So He prevented him from praying in it. Thus When the Messenger of Allah arrived at
Concerning them it was revealed in the Qu’ran:
the Prophet (saaw) ordered the companions to Al-Madinah after the Hijrah, the Muslims
burn it down. Allah says in the Qu’ran: ‘And those who have taken a mosque for gathered around him and the word of Islam
[working] mischief and disbelief, as well as was triumphant on the day of Badr, causing
And [there are] those [hypocrites] who took
disunion among the faithful and as an outpost Abu `Amir, the cursed one, to choke on his
for themselves a mosque for causing harm and
for those who already fought God and His own saliva and announce his enmity to Islam.
disbelief and division among the believers and
Messenger, will swear, ‘we desired nothing but He fled from Al-Madinah to the idolators of
as a station for whoever had warred against
good.’ God witnesses what sort of liars they are.’ Quraysh in Makkah to support them in the war
Allah and His Messenger before. And they will
(9:107) against the Messenger of Allah (saaw)
surely swear, “We intended only the best.” And
Allah testifies that indeed they are liars. Do not Tafsir al-Jalalayn: “And, among them, those The Quraysh united their forces and the
stand [for prayer] within it – ever. A mosque who have chosen a mosque — these were Bedouins who joined them for the battle of
founded on righteousness from the first day is twelve men from among the hypocrites — by Uhud, during which Allah tested the Muslims,
more worthy for you to stand in. Within it are way of harm, to cause distress for those of but the good end is always for the pious and
men who love to purify themselves; and Allah the mosque of Quba’, and disbelief, since they righteous people. The rebellious Abu Amir
loves those who purify themselves. (9:107-108) built it on the orders of the monk Abu ‘Amir, dug many holes in the ground between the
as a sanctuary for him, so that whoever comes two camps, into one of which the Messenger
The following are some quotes from scholars
from his side may stay there: he had gone to fell, injuring his face and breaking one of his
regarding this matter.
the Byzantine Emperor (qaysar) to bring troops right lower teeth. He also sustained a head
At-Tabari: “The Messenger of God proceeded to fight against the Prophet (s), and to cause injury. Before the fighting started, Abu Amir
until he halted in Dhu Awan, a town an hour’s division among the believers, who pray in the approached his people among the Ansar and
daytime journey from Medina. The people who mosque of Quba’, by having some of these tried to convince
had built the Mosque of dissent (Masjid ad- pray in their [the hypocrites’] mosque, and as Continued On page 3
Dirar) had come to him while he was preparing

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The Bait-ul-Maal - The Only Runaway Wives


Truly Islamic Financial Institution Spreading Zina
Continued from top page The early Muslims viewed the Bayt-ul-Maal as
because of their intrinsic value and fungability an integral part of their daily lives and one that
backed by the Bayt-ul-Maal became the needed to be promoted and supported for them
currency of choice for two-thirds of the world to fulfil their religious obligations not only to
for a period of nearly 400 years and when Islam avoid rib’a but to proposer. In affluent areas
began to decline the gold and silver standard almost 60% of all money collected as zakat
remained as the currency standard for another would be invested to commercial activities that
50 years for the entire world. were designed to bring benefit to the Muslims
and spur economic activity.
Though the gold and silver dinar were originally
created by the Byzantium empire it is their The other thing that this did was it created
adoption by the Khalifah Umar ibn Al-Khattab a culture of investing for a profit as opposed
(ra) as one of five currencies to be used in the to investing for interest. The early Muslims
Muslim world that gave the dinar and dirham understood that the only way to grow wealthy
life and that has kept them in the money debate was to invest and they would put up to 27% of
for the subsequent 1,400 years. their incomes into ventures on a monthly basis
ensuring returns for themselves, economic
Third the Bayt-ul-Maal through it is sold as a growth locally and opportunities for their
macro-financial institution with the ominous children.
title “The Islamic Treasury” was not so much
a macro-institution but was actually a micro- Sixth the Bayt-ul-Maal in Cordoba (Muslim
financial institution that played a crucial role Spain) began to have a more private face with
in providing interest-free credit to counter time making the state merely a customer of
the need for interest based loans. The hadith it. Though the Bayt-ul-Maal continued to
are replete with instances of the same. A large be associated with the Islamic state until the
portion of funds that were collected as charity demise of the Khilafah in 1924 most were
were for the specific purpose of lending. Records privately owned entities all across the Muslims
from the Khilafah of Banu Abbas indicate up world providing services to the state as opposed
to as much as 45% of money on deposit at the to being an arm of the state.
Bayt-ul-Maal served this function. Rising to Though Islamic history would have you believe
55% in Cordoba (Muslim Spain). that the Bayt-ul-Maal was a state enterprise this
It will shock many that the Bayt-ul-Maal even is far from the truth. On the regulatory front
run what could only be described today as it was very much a state institution but on the
equity crowdfunding rounds to provide seed operational front it wasn’t.
and venture capital to brilliant business ideas Due the vast array of the functions that it
and successful entrepreneurs based on the provided and the ventures in which it was By Aisha Luqman
example of the Messenger of Allah (saaw) involved, private capital and expertise where
himself and the tradition of the Arabs at the required more and more for its effective A new trend has emerged in Kenya where wives
time. functioning. Records show that the regulatory who are tired of their marriages for whatever
Fourth the individual Bayt-ul-Maal were very aspect which revolved around zakat was only reason are walking out of marriages and calling
local and dealt with local financial needs and 12% of all revenues in the Khilafah of Ali (ra) themselves divorced. Worse still, some are even
issues but with time became more and more while the bulk of funds handled by the Bayt- getting remarried and entering into a state of
inter-connected creating an Ummah wide ul-Maal were paced privately and applied to perpetual zina not to mention the harm they do
financial network that provided a greater range private ventures with the benefit of the Muslims to themselves and their children by disobeying
of financial services than are offered today by at the core. Allah (swt) in respect of how marriages are
most banks with a more humane touch. The Bayt-ul-Maal described here and what we meant to be concluded.
The Bayt-ul-Maal ran nearly 700 types of know from our Islamic history are two distinctly How a marriage is meant to be consummated
financial transactions seamlessly granting the different institutions and it is safe to say that it and terminated is very clear in the Islamic
small as well as the large businessman not only is no surprise that throughout the history of context. Whatever the circumstances a wife
the capital they needed but also the technical Islamic there is no record of any other financial cannot simply decide to leave. Especially where
expertise and competitive protections to allow institution. The story of the Bait-ul-Maal from there are children. If a wife has had enough of
them to grow and thrive first on a local basis our Islamic history was deliberately obscured a marriage there are always avenues through
and then internationally creating jobs and after 1924 for the distinct purpose of promoting which the marriage can be terminated in an
wealth for the Muslims and maintaining a high banking and establishing rib’a amongst the amicable manner. Muslim women cannot and
employment function of over 89% for the vast Muslims first by eliminating the Islamically should not imitate the kufar women who simply
majority of or Islamic history. accepted currency and then by diverting our throw off the bonds of marriage like dirty
attention from the fact that we had an effective under garments. Marital problems in Islam are
Fifth the Bayt-ul-Maal became a key factor in check against rib’a in a religious form. always dealt with through consultation and
financing trade as early as during the life of mutual agreement. Where a marriage must be
Rasullulah (saaw) by the time of the Khilafah The journey against for financial emancipation
for the Muslims Ummah needs to start afresh terminated then the method is clear and direct
of Ali (ra) the Bayt-ul-Maal was indeed a fully- and is unavoidable.
fledged financial institution providing micro- and it can start afresh with the institution every
credit locally and macro-credit via venture generation of Muslims associated solely with The comprehensiveness of the Islamic method
capital and joint ventures for activities that matters of finance. The Bait-ul-Maal. is such that where a wife cannot wait to be
spanned the entire Ummah. divorced and the husband is unwilling to divorce
then she may take al-Khula. Al-Khula is a wife
initiated divorce where in return for a portion
A Mosque Is Only A Mosque If It Calls To The Law Of Allah of her dowry she seeks her freedom. If worst
Continued from page 2 comes to worst in a marriage then this should
be the option. If she has left the home then she
them to support and agree with him. When they the Prophet. should rapidly seek al-Khula to regularise the
recognized him, they said, “May Allah never marriage.
Heraclius gave him promises and Abu Amir
burden an eye by seeing you, O Fasiq one, O Many women do not know the harm they do
remained with him. He also wrote to several
enemy of Allah!” They cursed him and he went to themselves by disobeying Allah’s commands
of his people in Al-Madinah, who embraced
back declaring, “By Allah! Evil has touched my in respect of divorce. A woman who leaves the
hypocrisy, promising and insinuating to them
people after I left.” home in this manner is in Allah’s wrath says
that he will lead an army to fight the Messenger
The Messenger of Allah (saaw) called Abu Amir of Allah to defeat him and his call. He ordered the Messenger of Allah (saaw). You will see that
to Allah and recited the Qur’an to him before them to establish a stronghold where he could their affairs will never be stable, their endeavors
his flight to Makkah, but he refused to embrace send his emissaries and to serve as an outpost will never succeed and the children suffer
Islam and rebelled. The Messenger invoked Al- when he joins them later on. These hypocrites immeasurably because of their mothers’ actions.
lah that Abu Amir die as an outcast in an alien built a Masjid next to the Masjid in Quba’, and Many wives do not even realize that the father is
land, and his invocation came true. After the they finished building it before the Messenger not required to maintain the children if the wife
battle of Uhud was finished, Abu Amir realized went to Tabuk. They went to the Messenger leaves in such a manner nor is there any Iddah
that the Messenger’s call was still rising and inviting him to pray in their Masjid so that it for this kind of woman.
gaining momentum, so he went to Heraclius, would be a proof that the Messenger approved
the emperor of Rome, asking for his aid against of their Masjid.”

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The Importance Of Surah Al Asr


By Abdallah Mansoor
The 103rd surah in the Qur’an is the Qu’ran) states that this surah
short and concise, yet abundant in affirms that throughout the ages
meaning. Being the speech of Allah there has only ever been one true
(swt), it is also miraculous in its path and all other paths lead only
language. Allah (swt) challenged to loss and ruin. The true path is
mankind to produce a chapter like that which Allah (swt) mentions
one of the chapters of the Qur’an in the proceeding verse – the path
if they harbored any doubt about of adopting belief (Iman) followed
it being from the Creator of the up with virtuous deeds and the
universe. constant recommending of one
By (the Token of) Time (through another to follow truth and to be
the ages), Verily Man is in loss. patient on it. The requirement of
Except such as have Faith, and constant reminding and patience
do righteous deeds, and (join indicates that adopting this correct
together) in the mutual teaching path will not be a stroll in the park. And: according to Imam at-Tabari and
of Truth, and of Patience and Rather it will be a struggle, which others, to remain steadfast in
As for those who disbelieve their
Constancy. (103:1-3) will require perseverance and performing the acts of obedience
deeds are like a mirage in a desert.
steadfastness. and abstaining from the forbidden.
Despite surat al-‘Asr only being The thirsty traveler thinks it is
made up of three short verses, the Only Allah (swt) is capable in water but when he comes near he It is important here to expound
Arabs at the time could immediately conveying such a profound finds that it is nothing [24:39]. upon the concept of enjoining
identify the superiority in its message with such eloquence in the right and forbidding the
Unlike those whose actions will
language despite attempts by an one short surah only. When one reprehensible as it is interwoven
go to waste in the hereafter as
imposter claiming prophethood has adopted Iman (faith) he has with the idea of counseling one
described in the above verses, the
to imitate it. Imam Ibn Kathir in attained closeness to the Absolute another and obedience to Allah
Muslim proceeds in life with a clear
his Tafsir relates how `Amr bin and Everlasting Creator of the (swt).
objective and with actions that are
Al-`As, despite being an idolater at universe. As a result he understands Imam al-Haramayn Al-Juwayni,
consistent with the origin of his
the time, was aware of the Quran’s his position in this vast universe mentioned in his al-Irshad:
existence. This creates within him
miracle through this very chapter. which emanates from that origin. …. enjoining the good is not
enlightened peace, no matter what
He went to visit Musaylamah al- The reality of his weakness specifically a duty of those
one is asked to do that accords with
Kadhdhab (the liar and claimant becomes manifest but at the same appointed to govern but is rather
the Sharia, of which any perceived
to Prophethood) after Muhammad time the infinite power beyond this incumbent on every Muslim
immediate loss is overcome with
(saaw) received his first revelation. universe endows the human being individually. This rule was also
the knowledge of an eternal gain.
Musaylamah asked him; “What with a strength that propels him established by the unanimous
The opposite, of course, will be a
has been revealed to your friend beyond the restrictiveness of life to agreement of the community. In
path devoid of iman which aims at
(Muhammad (saaw)) during this attain the vastness of the hereafter. the earliest days and in the era
gaining an immediate perceived
time?” `Amr replied; “A short and Sayyid Qutb explains that this: that followed, persons other than
gain, however, in reality only
concise surah has been revealed to Iman endows him with great those appointed to govern used to
ending in eternal loss.
him.” Musaylamah then inquired enjoyment of life, its beauty and command those who governed to
its constituents with whose ‘souls’ In the surah Allah (swt) then
as to what it was, after which `Amr do good and to enjoin them from
he lives in mutual friendship. Thus continues to describe the path
recited this surah. Musaylamah doing what is evil and, moreover,
life becomes a pleasant journey of those who are not at loss.
then thought for a while and said; the Muslims supported them and
for mankind everywhere and at They believe and work righteous
“Indeed something similar has refrained from blaming them for
all times. From this everlasting deeds, and at the same time they
been revealed to me.” ‘Amr asked being occupied with commanding
happiness, delightful joy and true sincerely counsel and advice one
what that was, and he replied; the good without explicit
intimate understanding of life and another towards the truth and
“O Wabr O Wabr! (a small furry commission to do so.
all creation are derived. This is the patience. Sayyid Qutb describes
mammal; hyrax) You are only two Enjoining the good and forbidding
invaluable gain, to lack which is an the counseling of one another
ears and a chest, and the rest of the evil is a task that is incumbent
immeasurable loss. upon the truth in the following
you is digging and burrowing.” He upon the ummah of Muhammad
manner: Mutual counsel aimed at
then asked; “What do you think Righteous deeds are the fruits (saaw). Patience in doing so must
that which is right is a necessity
O `Amr?” At which time `Amr of Iman. Iman, if it has settled in accompany this task, as there is no
because it is difficult to consistently
replied: “By Allah! Verily, you one’s heart correctly, will manifest doubt that such an undertaking is
maintain what is right, bearing in
know that I know you are lying.” itself in actions that accord with full of arduous obstacles. Patience
mind that the obstacles in its way
Musaylamah failed miserably in the rules that emanate from during these times is to travel
are innumerable: egotistic passions
trying to oppose the Qur’an with the Islamic ‘aqidah. Thus, one’s the path of continued obedience
and biases, false concepts in the
his nonsensical verses and this decisive belief in the Islamic creed towards Allah (swt). It is not to
environment, tyranny, and the
was apparent to `Amr. Indeed the (`aqeedah) will form the basis remain silent upon the occurrence
inequity and despotism of some.
Quran’s miraculous language and by which all concepts, values, of a munkar (evil) thinking that
Hence the mutual exhortation
the challenge that it puts forth criteria, and laws are derived. Self- this is patience. Rather, patience
urged here means reminding,
to mankind is enough to make interest and personal desires will is in the obedience to Allah (swt)
encouraging and expressing the
any person ponder about one’s thus be replaced with principled who has commanded the evil to be
unity in aim and destination
existence and the reality of his/her justice and measured thought, forbidden and corrected.
and equality in responsibility
weakness. giving the believer an unshakable
and charge. It also collects the Indeed this surah conveys an
Imam Ash-Shafi’i, the great 2nd confidence in the Islamic way of
individual efforts into a unified invaluable message to mankind.
century AH scholar said about life over any other, even if one
whole and thus increases the feeling It outlines the path of success in
this surah: “If the people were to finds himself alone on such a path.
of brotherhood in every guardian a concise yet profound manner. It
ponder on this surah, it would be Any action that is devoid of this
of truth, that there are others with should be recited and pondered
sufficient for them.” inextricable connection and is
him to exhort, encourage, support over daily, particularly in today’s
not linked to Allah (swt) and His
The word al-`Asr mentioned in and love him. This is precisely day and age. Al-Tabarani recorded
Messenger (saaw) is worthless and
this surah is more popularly the case with Islam, the righteous from Abdullah ibn Hisn ad-Darimi
disregarded. Allah (swt) says in the
understood as ‘time’. Other way of life whose establishment that he said: Whenever two men
Qu’ran:
opinions refer to it as the period requires the care of a coordinated, from the companions of the
of time between when the sun is The likeness of those who interdependent, self-sufficient and Messenger of Allah (saaw) used to
declining and sunset, or the `Asr disbelieve in their lord: their works self-supporting community. meet, they would not part until one
prayer itself, as noted in Tafsir are like ashes which the wind of them had recited surat Al-`Asr
The mufasireen have summarised
al-Jalalayn. Allah (swt) swears blows furiously on a tempestuous in its entirety to the other, and one
the counseling of one another upon
by time that man is in loss and day. They have no power over of them had given the greetings of
the truth as calling to Islam or the
destruction. Sayyid Qutb in his Fi anything they have earned: that is peace to the other.
Qu’ran itself. The recommending
Dhilal al-Quran (In the Shade of the far straying [14:18].
one another to patience means,

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