THE GOLD DINĀR AND SILVER DIRHAM: ISLAM AND THE FUTURE OF MONEY

Imrān N. Hosein

MASJID JĀMI’AH CITY OF SAN FERNANDO TRINIDAD AND TOBAGO
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Published by Masjid Jāmi’ah, City of San Fernando. 76 Mucurapo Street, San Fernando. Trinidad and Tobago.

Imrān N. Hosein 2007

Free downloads of several books written by this author are available at his website: www.imranhosein.org Online purchases of the author’s books and DVDs of lectures can be made at: www.ummahzone.com Books and DVDs of lectures can also be ordered from the distributor: Al-Tasneem Sdn. Bhd. 35-1, 1st Floor Jalan Melati Utama 4, Melati Utama Setapak, 53100 Kuala Lumpur, Malaysia Tel: 603 – 4107 2999 Fax: 603 – 4108 9815 Email: tasneem@streamyx.com

The author would welcome comments on this booklet emailed to him at: ihosein@tstt.net.tt; or inhosein@hotmail.com

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CONTENTS

Preface Chapter One: Chapter Two: Chapter Three: Chapter Four: Introduction Money in the Qur’ān and Sunnah The Grand Design The Grand Design and the Judeo-Christian Alliance Chapter Five: Notes Our Response

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PREFACE

I am happy that this booklet was written here in Kuala Lumpur, Malaysia, a city which has been so kind and hospitable to me over the years, and was completed in blessed Ramadān 1428H while I am still engaged in a year-long Islamic lecture-tour, and far away from the comforts of my home in the Caribbean island of Trinidad. A writer who writes a book while travelling, as many distinguished scholars of Islam have done in our glorious past, suffers from the disadvantage of not having access to his library of books, and often has to quote from memory. As such, minor errors can result from lapses of memory. I seek forgiveness for such. The size of this booklet has been kept deliberately small in order to encourage our people to read it. The language used is also quite simple and free from such technical economic jargon as fiat money. Hence the average reader should encounter no difficulties in respect of language. It is very likely that terrible events will unfold in the world of money within a brief time of the publication of this booklet that would validate the analysis conducted. Hence readers should not delay in assessing the arguments raised and, if found convincing, in searching for and adopting a proper response to the challenge. There should also be no delay in reaching out this booklet, in as many languages as possible, to as many Muslim communities as possible. For this reason there is no copyright claim on this publication. Those, on the other hand, who dismiss the basic arguments of this booklet, will find themselves in a quandary when those evil events unfold in the world of money.

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I must enter into the record my pride and happiness over the efforts made by a simple and humble former Malaysian banker, Nik Mahani Mohamad, who was involved in the initial effort to establish Islamic Banking in Malaysia. Her eyes were opened to the fraudulent nature of much of socalled Islamic banking when she attended my lecture on the subject at the Royal Malaysian Mint a few years ago. She turned around, changed course, and proceeded with courage, integrity and passionate commitment to promote the cause of the Gold Dinār and a true Ribā-free economy. Both she and my dear student, Shirazuddin Adam Shah, were involved in organising the ‘International Conference on the Gold Dinar Economy’ which was held in Kuala Lumpur, Malaysia, in July 2007, and in which the initial text of this booklet was presented as a paper. May Allah Most Kind bless Sister Nik Mahani Mohamad for her noble efforts to restore the Gold Dinār and the Ribā-free economy. Āmīn! And may others be inspired to follow her noble example. Amīn!

Imran N. Hosein Kuala Lumpur, Malaysia. Ramadan 1428/October 2007

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THE GOLD DINĀR AND SILVER DIRHAM: ISLAM AND THE FUTURE OF MONEY

CHAPTER ONE

INTRODUCTION

Abū Bakr ibn Abi Maryam reported that he heard the Messenger of Allah say: "A time is certainly coming over mankind in which there will be nothing (left) that will be of use (or benefit) save a Dinār (i.e., a gold coin) and a Dirham (i.e., a silver coin).” [This prophecy clearly anticipates the eventual collapse of the fraudulent monetary system now functioning around the world.] (Musnad, Ahmad)

It is both strange and embarrassing that even at this late hour when enemies are about to weld into place the final iron gate of a financial Guantanamo, so many Muslims remain ignorant about the devilish nature of European-created money in the modern world. One has even criticised this writer for having “funny” views concerning money.

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There seems to be little understanding of the role that a European-created money-system has been playing in delivering to enemies of Islam the capacity to engage in massive legalised theft of the wealth of mankind. Nor is there realization that those enemies have designed a monetary system that would eventually deliver to them financial dictatorship over the whole world. They have already succeeded in enslaving millions of Muslims (as well as others amongst mankind) with slave wages and even destitution, while pursuing a sinister global agenda on behalf of the Euro-Jewish State of Israel. It is truly pathetic to listen to those who blame Pakistanis and Indonesians for miserable poverty in Pakistan and Indonesia. The news media, even in countries that declare ‘Islam’ to be the State religion, is notorious for blanking out all news reports concerning this important subject. An example of such was the important ‘International Conference on the Gold Dinār Economy’ that was held at Kuala Lumpur’s Putra World Trade Center on July 24th and 25th 2007. An excellent keynote address, delivered by a former Malaysian Prime Minister, Tun Dr. Mahathir Mohamad, set the stage for two days of intensive deliberations on the subject of ‘money’. This booklet is an expanded version of our paper entitled “Explaining the
Disappearance of Money with Intrinsic Value” which we presented

at the conference shortly after the feature address. Readers may wish to assess the coverage of that conference in the Malaysian English-language newspapers.

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What is far worse than the news blackout is that classically trained scholars of Islam (i.e., ‘Ulamā) seem to share with ordinary Muslims this strange and highly embarrassing state of ignorance, or silence, concerning the fraudulent nature of modern money. Even when they realise that there is something dangerously wrong about modern money, so many in this strange modern age lack the courage to denounce the monetary system of non-redeemable paper money as fraudulent and, hence, Harām. Governments who rule over Muslims present the most pathetic scene of all. Neither do they understand the dangerous reality of money today, nor do they want to know the subject. The reason for this is located in the subservient role to which they must adhere as governments in their relations with the Judeo-Christian alliance that now rules the world. The solitary exception to this dismal state of affairs has been the former Prime Minister of Malaysia, Dr. Mahathir Mohamad. He not only understood the exploitative nature of the monetary system created by modern western civilization, but also, and quite correctly so, did what scarcely any of the Muftis of Islam have so far done, or dare to do. He called for the return to the Gold Dinār as money, in place of the money-system built around the utterly fraudulent US dollar, so that Muslims could extricate themselves from financial and economic oppression and exploitation.

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We offer this essay on the ‘future of money’ for the benefit of those who believe in the Qur’ān as the revealed word of the One God, and in Muhammad (peace and blessings of Allah Most High be upon him)

as the last of His Prophets. We are conscious of the

fact that we must not only explain this subject adequately but that we must also pray that Allah Most Kind may intervene and remove the veils from so many eyes. Only then would they recognise the looming final stage of a fraudulent monetary system designed to impose complete financial slavery upon mankind. The system is designed to target in particular those who resist the mysterious Judeo-Christian alliance that now rules the world. The final stage of evolution in their monetary system would witness the universal embrace of electronic money, the brightest jewel of their evil monetary crown, which would totally replace today’s fraudulent paper currencies. Indeed this final stage has already commenced, and all that the international monetary bandits now need is a world crisis (such as a nuclear attack on Iran which has not as yet occurred but which is expected at any time) that would result in a total collapse of the US dollar and a consequent mass stampede away from paper currencies. Already the impending collapse of the US dollar is reflected in the rising price of gold – now close to the record of US$850 an ounce set in January 1980. The world can expect to

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see the price of gold escalate to US$3000 or more per ounce. The same thing would happen to the price of oil. Perhaps the psychological shock of the collapse of the US dollar would produce the stampede through which electronic money would effortlessly replace paper money as the new cashless moneysystem of the world. We attempt in this essay to introduce the reader to the subject of money as located in both the blessed Qur’ān and the Sunnah of the blessed Prophet (sallalahu ‘alaihi wa sallam). We demonstrate that such money (which we call Sunnah money) always possessed intrinsic value. By that, we mean that the value of the money, whatever that value might be, and regardless of changes in value that might naturally occur, was stored within the money, and was thus immune to arbitrary external manipulation and devaluation. We further demonstrate that the monetary system created by the ruling European Judeo-Christian alliance was specifically designed to remove ‘money with intrinsic value’ from the money-system of the world, and to replace it with money that had no intrinsic value. Such non-redeemable paper currencies could then be devalued. When they were devalued, not only would it result in an unjust legalised theft of the wealth of those who used the devalued currency but additionally, it would become more and more expensive for such countries to repay loans which were taken on interest. Eventually these

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countries would be trapped with debts they could never repay, and would thus be at the mercy of those whose suspiciously large loans to them were meant to deliver precisely such control over them. (See John Perkins, ‘Confessions of an Economic HitMan’).

As money was devalued, the cost of property, labour, goods and services in the territories of the devalued currencies would become cheaper and cheaper for those who created the monetary system. Eventually one part of the world could live very comfortably while the rest of the world, with their constantly devalued money, sweated and laboured in a new slavery to keep the bandits permanently rich and with permanent first class tickets on the ship of life. As poverty increased in the targeted countries, corruption naturally also increased. Those who had the intellectual acumen of cattle would then wonder loudly: why do Muslim countries suffer from so much corruption while the West (which had looted their wealth and was living off their sweat) was so free from corruption. Then when the IMF forced privatization upon those whose money had lost value, the bandits could then buy out oil and gas fields, power-supply companies, telephone companies, etc., in such countries for a song and six-pence, i.e., for a price far less than their true value. It remains an enigma that Venezuela’s Hugo Chavez could understand the exploitative role of the IMF

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and

could

terminate Venezuela’s

membership

in

that

organization, while the scholars of Islam remain amazingly silent on the subject. This essay goes on to explain that the enemies are not content with simply living off the sweat of others through exploiting to their advantage a monetary system that is unjust and oppressive. Rather they have a grand design to so financially enslave the masses as to permit them to impose their dictatorship over the whole world. Their dictatorship would, in turn, pave the way for the Euro-Jewish State of Israel to become the ruling state in the world and, eventually, for a ruler of Israel to startle the world with the utterly fraudulent claim that he is the true Messiah. In fact, he would be Dajjāl the false Messiah or Anti-Christ! We are now so close to that event that this writer confidently predicts that children now at school would live to see it (See ‘Jerusalem in the Qur’an’ and the second chapter of ‘Sūrah al-Kahf and the Modern Age’ available for free download on the website: www.imranhosein.org).

Unless one has an understanding of the grand design behind the creation of the contemporary monetary system of non-redeemable paper money, one cannot respond properly to the challenge posed by that monetary system. Yet this writer has tried in vain to convince his distinguished and learned peers of the need to understand that grand design before embarking on an effort to restore the Gold Dinār as money.

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CHAPTER TWO

MONEY IN THE QUR’AN AND SUNNAH

Many secularised Muslims in the modern age fervently believe that religion should have nothing to do with economic and political life. Such Muslims would be at a loss to explain, or even understand, the following incident in the life of Prophet Muhammad (sallalahu ‘alaihi wa sallam):
Abū Sa’īd al-Khudri said that Bilāl brought the Prophet some Barni dates, and when he asked him where he had gotten them he replied: “I had some inferior quality dates so I exchanged two Sa's of them for one Sa’ (of this).” The Prophet responded: “Ah! This is the very essence of Ribā, the very essence of Ribā! Do not do so, but when you wish to buy, sell the dates in a separate transaction, then buy with what you get.” (Bukhāri, Muslim)

We learn from the above that Prophet Muhammad (sallalahu
‘alaihi wa sallam)

prohibited an unequal exchange of ‘dates’ for

‘dates’. He declared such an exchange to be the very essence of

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Ribā. Yet there is evidence that an unequal exchange of ‘camels’ for ‘camels’ was permitted:
Yahya related to me from Mālik from Nāf’i that Abdullah ibn Umar bought (i.e., exchanged) a female riding-camel for four camels and he guaranteed to give them in full to the buyer at ar-Rabādha. (Muwatta, Imām Mālik)

The question naturally arises: why was there a prohibition of an unequal exchange of dates, but no prohibition of an unequal exchange of camels? The answer to that question, located in a very important Hadīth of the blessed Prophet (sallalahu ‘alaihi wa sallam) concerning Ribā, explains what is money in Islam:
Abī Sa’īd al-Khudri reported Allah’s Messenger as saying: “Gold for gold, silver for silver, wheat for wheat, barley for barley, dates for dates, and salt for salt. (When a transaction is) like for like, payment being made on the spot, then if anyone gives more or asks for more, he has dealt in Ribā, the receiver and the giver being equally guilty.” (Sahīh, Muslim)

The above Hadīth of Prophet Muhammad (sallalahu ‘alaihi wa sallam) has very clearly established

three things:

Firstly, it established ‘money’ in Islam to be either precious metals such as gold and silver, or other commodities such as wheat, barley, dates and salt which are commodities of regular consumption as food but which have a shelf-life. Thus,

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when there was a scarcity of gold and silver coins in the market in Madina, commodities such as dates, which were available in the market in abundant supply, and which had a shelf life, were used as money. Consequently, we can now answer the above question. The unequal exchange of camels for camels was permissible since animals were never used as money. An unequal exchange of dates for dates had to be prohibited, however, because dates were used as money, and permission for such an exchange would open the door for a moneylender to lend money on interest.
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If the same principle concerning the use of commodities such as dates as money, were to be applied in the Indonesian island of Java, for example, then rice could be used as money if gold and silver coins were to be in short supply in that market. In the island of Cuba on the other hand, sugar could be used as money, etc. Some scholars of Islam argue that mankind is free to use anything, even a grain of sand, as money. Therefore, there is no prohibition to printing paper and assigning any value to the paper. Our response is that grains of sand or shells found on the seashore cannot qualify in Islam as money according to the Hadīth since they are neither precious metals nor or they commodities that are consumed regularly as food.

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Secondly, when gold, silver, wheat, barley, dates and salt (rice, sugar, etc.) were used as money, the value of the money was ‘inside’ the money and not ‘outside’. Hence, the Hadīth established ‘money’ in Islam to possess intrinsic value. Thirdly, money was always located within Allah’s creation in a commodity that was created by Allah Most High, with value assigned to it by Allah Most High Himself. He declared of Himself that He was al-Razzāck, the creator of wealth.
We may now describe money located in the Sunnah to be the following: • precious metals or other commodities as described above, • • money with intrinsic value, money located within Allah’s creation with value assigned to such money by Allah Most High Himself Who is the creator of wealth.

Some scholars of Islam hasten to remind us that the Sunnah is comprised of two parts. The first is that which has come to us from the blessed Prophet but was based on Divine guidance. And the second is that which was based on his own opinion. The Prophet has himself advised his followers in respect of the second that “you are better informed about your

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worldly affairs.” The implication of this advice was that there

was no obligation to follow such Sunnah. The scholars go on to argue that ‘money’ falls in the second category. As a consequence, they argue, it is perfectly legitimate for Muslims to accept the present system of nonredeemable paper-money in which the Jewish-Christian ruling alliance simply has to print paper as money, assign a fictitious value to it, and in the process become creators of as much wealth as they want. They can then use their currencies to buy anything they want in any part of the world. However, when Muslims follow them in this blasphemous activity of creating wealth out of nothing, a suitcase filled with Indonesian Rupiahs or Pakistani Rupees cannot buy even a cup of coffee in Manhattan. Such scholars of Islam have never declared the present monetary system of non-redeemable paper money to be Harām, and it seems as though they never will. They are, of course, very wrong in their judgement and they will have to face the consequences on the Day of Judgement for that atrocious failure. They do not consider that money in the form of precious metals created by Allah Most High with intrinsic value assigned to them by Allah Himself is firmly grounded in the blessed Qur’ān itself.

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Allah Most High referred to a Dinār in this verse of Sūrah Āle ‘Imrān

‫ﻨﻪ‬‫ﺗﺄﻣ‬ ‫ﻢ ﻣﻦ ﺇﹺﻥ‬ ‫ﻨ‬‫ﻴﻚ ﻭﻣ‬‫ﻳﺆﺩﻩ ﹺﺇﹶﻟ‬ ‫ﻨﻄﹶﺎﺭ‬‫ﻨﻪ ﹺﺑﻘ‬‫ﺗﺄﻣ‬ ‫ﺎﺏ ﻣﻦ ﺇﹺﻥ‬‫ﻭﻣﻦ ﹶﺃﻫﻞ ﺍﹾﻟﻜﺘ‬   ‫ ﹾ‬  ‫ ﻬ‬     ‫ﹴ‬  ‫ ﹾ‬  ‫ ﹺ‬ ‫ ﹺ‬   ‫ﻲ‬‫ﺎ ﻓ‬‫ﻴﻨ‬‫ﻴﺲ ﻋﻠ‬‫ﻧﻬﻢ ﻗﹶﺎﹸﻮﹾﺍ ﹶﻟ‬‫ﻟﻚ ﹺﺑﺄ‬‫ﺎ ﺫ‬‫ﺋﻤ‬‫ﻴ ﻪ ﻗﹶﺂ‬‫ﺎ ﺩﻣﺖ ﻋﻠ‬‫ﻴﻚ ﹺﺇﻻ ﻣ‬‫ﻳﺆﺩﻩ ﹺﺇﹶﻟ‬ ‫ﺎﺭ ﻻﱠ‬‫ﻳﻨ‬‫ﹺﺑﺪ‬ ‫ﹶ‬  ‫ ﻟ‬ ‫ ﹶ‬ ‫ﹶ‬  ‫ﹶ‬    ‫ ﱠ‬    ‫ﹴ‬ ‫ﻮﻥ ۉ‬ ‫ﻳﻌﻠ‬ ‫ ﹸﻮﹸﻮﻥ ﻋﻠﹶﻰ ﺍﻟﻠﻪ ﺍﹾﻟﻜﺬﺏ ﻭﻫﻢ‬‫ﻴﲔ ﺳﺒﹺﻴ ﻞ ﻭﻳ‬‫ﺍﻷﻣ‬ ‫ﹶﻤ ﹶ‬      ‫ ﹶ‬ ‫ ﹼ‬ ‫ ﻘ ﻟ ﹶ‬ ‫ ﹲ‬   ُ
“Amongst the People of the Scripture (i.e., the Torah) there are those who if entrusted (by a fellow Israelite) with a Qintār (a treasure of money such as a heap of gold coins) for safe-keeping, would return it upon demand. Yet amongst them there are those who if entrusted (by a Gentile, i.e., one who was not an Israelite) with a (single) Dinār (a gold coin) for safe-keeping, would not return it on demand unless the owner were to persist in demanding the return of his property. The reason for this (double standard) is because they argue that the (religious law) placed no obligation on them to be just and fair in their dealings with Gentiles. But they tell a lie against Allah (Most High), and they know full well (that it is a lie).” (Qur’ān, Āle ‘Imrān, 3:75)

He also referred to a Dirham in this verse of Sūrah Yūsuf:

‫ﻳﻦ ۓ‬‫ﺍ ﻫﺪ‬ ‫ﻴﻪ ﻣﻦ ﺍﻟ‬‫ﻮﹾﺍ ﻓ‬‫ﻭﺩﺓ ﻭﻛﹶﺎ‬ ‫ﺍﻫﻢ ﻣﻌ‬‫ﺑﺨﺲ ﺩﺭ‬ ‫ﻩ ﹺﺑﹶﺜﻤﻦ‬‫ُ ﻭﺷﺮﻭ‬   ‫ ﺰ‬   ‫ ﻧ‬   ‫ﺪ‬     ‫ ﹴ‬ ‫ ﹴ‬   
“And they sold him for a few measly Dirhams and they did so because they considered him to be of little worth.” (Qur’ān, Yūsuf, 12:20)

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In both these verses of the Qur’ān Allah Most High has referred to ‘money’ as ‘gold’ and ‘silver’ coins. A Dinār was a gold coin with intrinsic value, and a Dirham or silver coin, also had intrinsic value. Both are firmly located in Allah’s creation and both possess value assigned to them by Allah Himself Who is the creator of wealth. There are other verses of the Qur’ān that also refer to gold and silver as wealth, and such wealth could be used as money in the form of gold Dinārs and silver Dirhams:

‫ﺎﻃﲑ ﺍﹾﻟﻤﻘﹶﻨﻄ ﺮﺓ ﻣﻦ ﺍﻟﺬﻫﺐ‬‫ﺍﹾﻟﻘﻨ‬‫ﺒﹺﻨﲔ ﻭ‬‫ﺍﹾﻟ‬‫ﺎﺀ ﻭ‬‫ﻨﺴ‬‫ﺍﺕ ﻣﻦ ﺍﻟ‬‫ﺎﺱ ﺣﺐ ﺍﻟﺸﻬﻮ‬‫ﻠ‬‫ﻳﻦ ﻟ‬‫ﺯ‬ ‫ ﹺ‬ ‫ ﱠ‬   ‫ ﹶ‬ ‫ ﹺ‬ ‫ ﹶ‬       ‫ ﻨ ﹺ‬ ‫ﻨﺪﻩ‬‫ﺍﻟﻠﻪ ﻋ‬‫ﺎ ﻭ‬‫ﻧﻴ‬‫ﺎﺓ ﺍﻟﺪ‬‫ﺎﻉ ﺍﹾﻟﺤﻴ‬‫ﻟﻚ ﻣﺘ‬‫ﺍﹾﻟﺤﺮﺙ ﺫ‬‫ﺎﻡ ﻭ‬‫ﻧﻌ‬‫ﺍﻷ‬‫ﻴﻞ ﺍ ﹾﻟﻤﺴﻮﻣﺔ ﻭ‬‫ﺍﹾﻟﺨ‬‫ﺍﹾﻟﻔﻀﺔ ﻭ‬‫ﻭ‬   ‫ﹼ‬       ‫ ﹶ‬   ‫ َ ﹺ‬    ‫ ﹺ‬   ‫ﺂﺏ ۈ‬‫ﺣﺴﻦ ﺍﹾﻟﻤ‬ ‫ﹺ‬  
“Beautified for mankind is love of the joys (that come) from women and offspring; and stored-up heaps of gold and silver (i.e., heaps of Dinārs and Dirhams), and horses branded (with their mark), and cattle and land. That is comfort of the life of the world. Allah! With Him is a more excellent abode.” (Qur’ān, Āle ‘Imrān, 3:14)

‫ﺎ‬‫ﻢ ﻣﻞﺀ ﺍﻷﺭﺽ ﺫﻫﺒ‬‫ﺒﻞ ﻣﻦ ﹶﺃﺣﺪﻫ‬‫ﻳﻘ‬ ‫ﻮﹾﺍ ﻭﻫﻢ ﻛ ﱠﺎﺭ ﻓﹶﻠﹶﻦ‬‫ﺎ‬‫ﻭﹾﺍ ﻭﻣ‬ ‫ﻳﻦ ﻛﻔ‬‫ﹺﺇﻥ ﺍﱠﻟﺬ‬  ‫ ﹺ ﹶ‬ ُ‫ ﹾ‬     ‫ﹾ ﹶ‬  ‫ ﹸﻔ‬   ‫ ﺗ‬ ‫ ﹶ ﹶﺮ‬ ‫ﱠ‬ ‫ﺎﺻ ﺮﹺﻳﻦ‬ ‫ﻦ‬ ‫ﻢ‬ ‫ﺎ ﹶﻟ‬‫ﻴﻢ ﻭﻣ‬‫ﺌﻚ ﹶﻟﻬﻢ ﻋﺬﹶﺍﺏ ﹶﺃﻟ‬‫ﻯ ﹺﺑﻪ ﹸﺃﻭﻟﹶـ‬‫ﺘﺪ‬‫ﻭﹶﻟﻮ ﺍﻓ‬   ‫ ﻬ ﻣ ﻧ‬        ‫ﹺ ﹾ‬

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“Lo! those who disbelieve, and die in disbelief, the (whole) earth full of gold would not be accepted from such an one if it were offered as a ransom (hence as money through which he seeks to ransom his soul). Theirs will be a painful doom and they will have no helpers.” (Qur’ān, Āle ‘Imrān, 3:91)

‫ﺎﺱ‬‫ﺍﻝ ﺍﻟ‬‫ﻴﺄﻛﹸﻮﻥ ﹶﺃﻣﻮ‬‫ﺎﻥ ﹶﻟ‬‫ﺍﻟﺮﻫﺒ‬‫ﺎﺭ ﻭ‬‫ﺍ ﻣﻦ ﺍﻷﺣﺒ‬‫ﺜﲑ‬‫ﻮﹾﺍ ﹺﺇﻥ ﻛ‬‫ﻳﻦ ﺁﻣ‬‫ﺎ ﺍﱠﻟﺬ‬‫ﻳﻬ‬‫ﺎ ﹶﺃ‬‫ﻳ‬ ‫ ﹶ ﻨ ﹺ‬ ‫ ﹾ ﹸﻠ ﹶ‬   ‫ ﹺ‬ َ   ‫ﻨ ﱠ ﹶ‬  ‫ﺎ‬‫ﻧﻬ‬‫ﻨﻔ ﹸﻮ‬ ‫ﺍﹾﻟﻔﻀﺔ ﻭﻻ‬‫ﻭﻥ ﺍﻟﺬ ﻫﺐ ﻭ‬ ‫ﻜﹺﻨ‬‫ﻳﻦ ﻳ‬‫ﻦ ﺳﺒﹺﻴﻞ ﺍﻟﻠﻪ ﻭﺍﱠﻟﺬ‬‫ﻭﻥ ﻋ‬ ‫ﻳﺼ‬‫ﺎﻃﻞ ﻭ‬‫ﺑﹺﺎﹾﻟﺒ‬ ‫ﻘ‬ ‫ ﹶ ﻳ‬ ‫ ﹶ‬    ‫ ﹾ ﺰ ﹶ ﱠ‬   ‫ ﹺ ﹼ‬ ‫ﺪ ﹶ‬  ‫ ﹺ‬ ‫ﻴﻢ‬‫ﻢ ﹺﺑﻌﺬﹶﺍﺏ ﹶﺃﻟ‬ ‫ﺒﺸﺮ‬‫ﻲ ﺳﺒﹺﻴﻞ ﺍﻟﻠﻪ ﻓ‬‫ﻓ‬ ‫ ﹴ ﹴ‬ ‫ﻫ‬  ‫ ﹶ‬ ‫ ﹺ ﹼ‬
“O ye who believe! Lo! many of the (Jewish) rabbis and the (Christian) monks devour the wealth of mankind wantonly and debar (men) from the way of Allah. They who hoard up gold and silver and spend it not (this would obviously be in the context of use of gold and silver as money) in the way of Allah, unto them give tidings (O Muhammad) of a painful doom.” (Qur’ān, al-Tauba, 9:34)

‫ﺗﻬﻢ ﺳﻘﻔﹰﺎ‬‫ﻮ‬‫ﺒ‬‫ﻟ‬ ‫ﻳﻜﻔﺮ ﺑﹺﺎﻟﺮﺣﻤﻦ‬ ‫ﻦ‬‫ﻟﻤ‬ ‫ﺎ‬‫ﺍﺣﺪﺓ ﹶﻟﺠﻌﻠﻨ‬‫ﺎﺱ ﹸﺃﻣﺔ ﻭ‬‫ﻳ ﹸﻮﻥ ﺍﻟ‬ ‫ﻭﹶﻟﻮﻟﹶﺎ ﺃﹶﻥ‬ ‫ﹸ‬  ‫ ﹺ ﻴ ﹺ‬   ‫ﹾﹸ‬ ‫ﹾ‬  ‫ ﹰ‬  ‫ ﹰ‬  ‫ﻜ ﹶ ﻨ‬  ‫ﻭﻥ‬ ‫ﺘﻜ‬‫ﻳ‬ ‫ﺎ‬‫ﻴﻬ‬ ‫ﺍ ﻋﻠ‬‫ﺎ ﻭﺳﺮﺭ‬‫ﺍﺑ‬‫ﺑﻮ‬‫ﺗﻬﻢ ﹶﺃ‬‫ﻮ‬‫ﺒﻴ‬‫ﻟ‬‫ﻭ‬ ‫ﺆ ﹶ‬ ‫ﹶ‬    ‫ ﹺ‬ ‫ﻭﻥ‬ ‫ﻳﻈﻬ‬ ‫ﺎ‬‫ﻴﻬ‬‫ﺎﺭﺝ ﻋﻠ‬‫ﻦ ﻓﻀﺔ ﻭﻣﻌ‬ ‫ﺮ ﹶ‬ ‫ﹶ ﹾ‬  ‫ ﹺ‬    ‫ﻣ ﹶ‬

‫ﺘﻘﲔ ﭥ‬‫ﻟﻠﻤ‬ ‫ﺑﻚ‬‫ﻨﺪ ﺭ‬‫ﺍﻟﹾﺂﺧﺮﺓ ﻋ‬‫ﺎ ﻭ‬‫ﻧﻴ‬‫ﺎﺓ ﺍﻟﺪ‬‫ﺎﻉ ﺍﹾﻟﺤﻴ‬‫ﻟﻚ ﹶﻟﻤﺎ ﻣﺘ‬‫پ ﻭ ﺯﺧﺮﻓﹰﺎ ﻭﺇﹺﻥ ﻛﻞ ﺫ‬    ‫ ﹾ‬   ‫ﹸ‬         ‫ ﹸ ﱡ ﹶ‬   

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“And were it not that (all) men might become of one (evil) way of life, We would provide, for everyone that blasphemes against (Allah) Most Gracious, silver roofs for their houses and (silver) stair-ways on which to go up, and (silver) doors to their houses, and thrones (of silver) on which they could recline, and also Zukhruf (i.e., gold). But all this were nothing but conveniences of the present life: The Hereafter, in the sight of thy Lord is for those who fear (Him).” (Qur’ān, Zukhruf, 43:33-5)

‫ﺗﺄﺧ ﹸﻭﹾﺍ‬ ‫ﺍ ﻓﻼ‬‫ﻨﻄﹶﺎﺭ‬‫ﺍﻫﻦ ﻗ‬‫ﺘﻢ ﹺﺇﺣﺪ‬‫ﻴ‬ ‫ﺗ‬‫ﺁ‬‫ﺍﻝ ﺯﻭﺝ ﻣﻜﹶﺎﻥ ﺯﻭﺝ ﻭ‬‫ﺒﺪ‬‫ﺘ‬‫ﺗﻢ ﺍ ﺳ‬‫ﺩ‬‫ﹺﺇﻥ ﹶﺃﺭ‬‫ﻭ‬ ‫ﺬ‬ ‫ﹶ ﹶ ﹾ‬    ‫ ﹴ‬ ‫ ﹶ‬ ‫ ﹴ‬ ‫ ﹶ‬  ‫ﹾ‬ ‫ﺎﻧﺎ ﻭﹺﺇﺛﹾﻤﺎ ﻣﺒﹺﻴﻨﺎ‬‫ﺑﻬﺘ‬ ‫ﻧ ﻪ‬‫ﺗﺄﺧ ﹸﻭ‬‫ﺌﹰﺎ ﹶﺃ‬‫ﻨﻪ ﺷﻴ‬‫ﻣ‬ ‫ ﹰ‬ ‫ ﹰ‬ ‫ ﹰ‬  ‫ﺬ‬ ‫ ﹾ‬  
"And if you wish to have (one) wife in place of another and you have given one of them a Qintār (i.e., a treasure of gold and silver coins), then take not from it anything; would you take it by slandering (her) and (doing her) manifest wrong?” (Qur’ān, al-Nisā, 4:20)

The Qur’ān goes on to reveal the extraordinary news that gold and silver would maintain their status as things of great value in the next world as well. In other words, gold and silver possess a spiritual reality as things of value, in addition to their value in this material world:

‫ﺑﻬﻢ‬‫ﻦ ﻓﻀﺔ ﻭﺳﻘﹶﺎﻫﻢ ﺭ‬‫ﺎﻭﺭ ﻣ‬‫ﺒﺮﻕ ﻭﺣﱡﻮﺍ ﹶﺃﺳ‬‫ﺘ‬‫ﻨﺪﺱ ﺧﻀﺮ ﻭﹺﺇﺳ‬ ‫ﻴﺎﺏ‬‫ﺛ‬ ‫ﻴﻬﻢ‬‫ﻟ‬‫ﺎ‬‫ﻋ‬           ‫ﹺ‬ ‫ﻠ‬         ‫ ﹴ‬ ‫ ﺳ‬   ‫ﺍ‬‫ﻮﺭ‬ ‫ﺎ ﻃ‬‫ﺍﺑ‬‫ﺷﺮ‬ ‫ ﹶﻬ‬

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“Their raiment will be fine green silk embroidered in gold. Bracelets of silver will they wear. Their Lord will quench their thirst with a drink (sparkling) with purity.” [This verse, as well as others that follow, reveal that gold and silver will remain precious and valuable in the hereafter as well.] (Qur’ān, al-Insān, 76:21)

‫ﺗﻠﺬ‬‫ﺘﻬﹺﻴﻪ ﺍ ﹾﻟﺄﹶﻧﻔﺲ ﻭ‬‫ﺗﺸ‬ ‫ﺎ‬‫ﺎ ﻣ‬‫ﻴﻬ‬‫ﺍﺏ ﻭﻓ‬‫ﻦ ﺫﻫﺐ ﻭﹶﺃﻛﻮ‬ ‫ﺎﻑ‬‫ﻴﻬﹺﻢ ﹺﺑﺼﺤ‬‫ﻳﻄﹶﺎﻑ ﻋﻠ‬ ‫ﹶﱡ‬  ‫ ﹸ‬   ‫ ﹾ ﹴ‬ ‫ ﹴ‬‫ ﻣ ﹶ‬  ‫ﹶ‬  َ ‫ﻭﻥ‬ ‫ﻟ‬‫ﺎ‬‫ﺎ ﺧ‬‫ﻴﻬ‬‫ﺘﻢ ﻓ‬‫ﻴﻦ ﻭﺃﹶﻧ‬‫ﺍﹾﻟﺄﻋ‬ ‫ﺪ ﹶ‬    ‫ﹶ‬
“Therein are brought round for them trays of gold and goblets, and therein is all that souls (i.e., hearts) desire and eyes find sweet. And you will abide therein forever.” (Qur’ān, al-Zukhruf, 43:71)

‫ﺘ ﺮﹺﻧﲔ‬‫ﺋﻜﺔ ﻣﻘ‬‫ﺎﺀ ﻣﻌﻪ ﺍﹾﻟﻤﻠﹶﺎ‬‫ﻦ ﺫﻫﺐ ﹶﺃﻭ ﺟ‬ ‫ﻴﻪ ﹶﺃﺳﻮ ﺭﺓ‬‫ﻓﻠﻮﻟﹶﺎ ﹸﺃﹾﻟﻘﻲ ﻋﻠ‬  ‫ ﹾ ﹺ‬ ‫ ﹶﹸ‬    ‫ ﹴ‬ ‫ ﹲ ﻣ ﹶ‬ ‫ ﹺ‬  ‫ﹶ‬    ‫ﹶﹶ‬
"Then why are not gold bracelets bestowed on him, or (why) come (not) with him angels accompanying him in procession?" [Hence they recognised gold to be precious and that it can be bestowed from above.] (Qur’ān, al-Zukhruf, 43:53)

‫ﺎﺳﻬﻢ‬‫ﻟﺒ‬‫ﺍ ﻭ‬‫ﻦ ﺫﻫﺐ ﻭﹸﻟﺆﹸﻟﺆ‬‫ﺎﻭﺭ ﻣ‬‫ﻦ ﹶﺃﺳ‬‫ﺎ ﻣ‬‫ﻴﻬ‬‫ﻳﺤﻠﻮﻥ ﻓ‬ ‫ﺎ‬‫ﻧﻬ‬‫ﻳﺪﺧ ﹸﻮ‬ ‫ﺎﺕ ﻋﺪﻥ‬‫ﺟ‬      ‫ ﹴ‬‫ ﹶ‬‫ ﹺ‬ ‫ ﹶ‬ ‫ﱠ‬ ‫ ﻠ‬      ‫ﻨ‬ ٌ ‫ﺎ ﺣﺮﹺﻳ ﺮ‬‫ﻴﻬ‬‫ﻓ‬  

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“Gardens of Eternity will they enter: therein will they be adorned with bracelets of gold and pearls; and their garments there will be of silk.” (Qur’ān, al-Fātir 35:33)

‫ﺎ‬‫ﺘﻬ‬‫ﺗﺤ‬ ‫ﻦ‬‫ﺗﺠﺮﹺﻱ ﻣ‬ ‫ﺎﺕ‬‫ﺎﺕ ﺟ‬‫ﻟﺤ‬‫ﺎ‬ ‫ﻤ ﹸﻮﺍ ﺍﻟ‬‫ﻮﺍ ﻭﻋ‬‫ﻳﻦ ﺁﻣ‬‫ﻳﺪﺧﻞ ﺍﱠﻟﺬ‬ ‫ﹺﺇﻥ ﺍﻟﻠﻪ‬    ‫ﻨ‬  ‫ ﻠ ﺼ‬  ‫ﻨ‬  ‫ ﹸ‬   ‫ﱠ ﱠ‬ ٌ ‫ﺎ ﺣﺮﹺﻳ ﺮ‬‫ﻴﻬ‬‫ﺎﺳﻬﻢ ﻓ‬‫ﻟﺒ‬‫ﺍ ﻭ‬‫ﻦ ﺫﻫﺐ ﻭﹸﻟﺆﹸﻟﺆ‬‫ﺎﻭﺭ ﻣ‬‫ﺎ ﻣﻦ ﹶﺃﺳ‬‫ﻴﻬ‬‫ﻳﺤﻠﻮﻥ ﻓ‬ ‫ﺎﺭ‬‫ﻧﻬ‬‫ﺍﹾﻟﺄ‬        ‫ ﹴ‬‫ ﹶ‬‫ ﹺ‬  ‫ ﹶ‬ ‫ﱠ‬  ‫ﹶ‬
“Allah will admit those who believe and work righteous deeds, to Gardens wherein rivers flow: they shall be adorned therein with bracelets of gold and pearls; and their garments there will be of silk.” (Qur’ān, al-Hajj, 22:23)

‫ﺎﻭﺭ‬‫ﺎ ﻣﻦ ﹶﺃﺳ‬‫ﻴﻬ‬‫ﻳﺤﻠﻮﻥ ﻓ‬ ‫ﺎﺭ‬‫ﻧﻬ‬‫ﺘﻬﻢ ﺍ ﹾﻟﺄ‬‫ﺗﺤ‬ ‫ﻦ‬‫ﺗﺠﺮﹺﻱ ﻣ‬ ‫ﺎﺕ ﻋﺪﻥ‬‫ﺌﻚ ﹶﻟﻬﻢ ﺟ‬‫ﹸﺃﻭﹶﻟ‬ ‫ ﹺ‬  ‫ ﹶ‬ ‫ﱠ‬  ‫ ﹶ‬ ‫ ﹺ‬      ‫ﻨ‬     ‫ﺋﻚ‬‫ﺍ‬‫ﺎ ﻋﻠﹶﻰ ﺍﹾﻟﺄﺭ‬‫ﻴﻬ‬‫ﺌﲔ ﻓ‬‫ﺘ ﻜ‬‫ﺒﺮﻕ ﻣ‬‫ﺘ‬‫ﻨﺪﺱ ﻭﹺﺇﺳ‬ ‫ﻦ‬ ‫ﺍ‬‫ﺎ ﺧﻀ ﺮ‬‫ﺎﺑ‬‫ﺛﻴ‬ ‫ﻮﻥ‬ ‫ﺒ‬‫ﻳﻠ‬‫ﻦ ﺫﻫﺐ ﻭ‬‫ﻣ‬  ‫ ﹶ‬   ‫ﹴ‬  ‫ ﹴ‬‫ ﻣ ﺳ‬  ‫ﹾﺴ ﹶ‬ ‫ ﹴ‬‫ﹶ‬ ‫ﺗﻔﻘﹰﺎ‬‫ﻨﺖ ﻣ ﺮ‬‫ﺍﺏ ﻭﺣ ﺴ‬‫ﹺﻧﻌﻢ ﺍﻟﱠﺜﻮ‬ ‫ ﹶ‬      
“For them will be Gardens of Eternity wherein rivers will flow; they will be adorned therein with bracelets of gold, and they will wear green garments of fine silk and heavy brocade: They will recline therein on raised thrones. How good the recompense! How beautiful a couch on which to recline!” (Qur’ān, al-Kahf, 18:31)

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‫ﻰ‬‫ﻴﻚ ﺣ‬‫ﻟﺮﻗ‬ ‫ﻧﺆﻣﻦ‬ ‫ﺎﺀ ﻭﻟﹶﻦ‬‫ﻲ ﺍﻟﺴﻤ‬‫ﺗﺮﻗﹶﻰ ﻓ‬ ‫ﻦ ﺯﺧﺮﻑ ﹶﺃﻭ‬ ‫ﻴﺖ‬‫ﺑ‬ ‫ﻳ ﹸﻮﻥ ﹶﻟﻚ‬ ‫ﹶﺃﻭ‬ ‫ﺘ‬             ‫ ﻣ‬  ‫ ﻜ ﹶ‬ ‫ﻮﻻ‬ ‫ﺍ ﺭ‬‫ﺑﺸﺮ‬ ‫ﻲ ﻫﻞ ﹸﻨﺖ ﹶﺇﻻ‬‫ﺎﻥ ﺭ‬‫ﺒﺤ‬‫ﻧﻘﺮﺅﻩ ﻗﹸﻞ ﺳ‬ ‫ﺎ‬‫ﺎﺑ‬‫ﺎ ﻛﺘ‬‫ﻴﻨ‬‫ﻨﺰﻝ ﻋﻠ‬‫ﺗ‬ ‫ﺳ ﹰ‬  ‫ ﱠ‬ ‫ ﹾ ﻛ‬ ‫ﺑ‬ ‫ ﹶ‬ ‫ ﹾ‬   ‫ ﹾ‬ ‫ﹶ‬ ‫ ﹶ‬
"(Even if) you have a house adorned with gold, or you mount a ladder right into the skies, we shall not believe in your mounting (into the skies) until you send down to us a book that we could read." Say: "Glory to my Lord! Am I aught but a man - a messenger?" [Thus they recognised gold to be something precious and of great value.] (Qur’ān, al-Isrā, 17:93)

Indeed, the gold Dinār is destined to play a very significant role on Judgement Day itself. In a very long Hadīth, the weight of goodness in a heart, when measured against a Dinār, would be the measure by which people would be taken out of the hell-fire. Here is the relevant passage from the long Hadīth:
Abū Sa'īd al-Khudri reported: When the Day of Resurrection comes a Mu'adhdhin (a proclaimer) would proclaim: “Let every people follow what they used to worship . . . .” Then their persons would be forbidden to the Fire; and they would take out a large number of people who had been overtaken by Fire up to the middle of the shank or up to the knees. They would then say: “O our Lord not one of those about whom Thou didst give us command remains in it (in Jahannam)”. He will then say: “Go back and bring out (from the hell-fire) those in whose hearts you find good of the weight of a Dinār.” Then they will take out a large number of

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people. Then they would say: “O our Lord! We have not left anyone about whom You commanded us.” He will then say: “Go back and bring out those in whose hearts you find as much as half a Dinār of good.” Then they will take out a large number of people, and would say: “O our Lord! not one of those about whom Thou commanded us we have left in it.” Then He would say: “Go back and in whose heart you find good to the weight of a particle bring him out.” They would bring out a large number of people, and would then say: “O our Lord, now we have not left anyone in it (Hell) having any good in him . . . .” (Sahīh, Muslim)

The above verses of the Qur’ān and the above Hadīth demonstrate that gold and silver were created by Allah Most High with great value bestowed on them, and that such value would survive this mundane world to be retained in the next world as well. The verses also demonstrate that Allah Most High, in His wisdom, created gold and silver to be used, among other things, as money. Whoever is so blind as to challenge this clear fact should prepare himself to defend his view on Judgement Day. Money with intrinsic value has today disappeared from the money-system used around the world. The entire Muslim world is also guilty of having abandoned ‘money’ that is firmly grounded in the Qur’ān itself and which is of value even in the hereafter. Muslims have already paid a horrible price for having abandoned that ‘sacred money’ and accepted in its place an

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utterly fraudulent means of exchange in the form of ‘secular money’. Our purpose in this essay is to explain, briefly of course, how and why the disappearance of Sunnah money has occurred. We ask that those who read, understand and agree with the arguments presented in this essay, respond to the following command of Prophet Muhammad (sallalahu ‘alaihi wa sallam):
Abū Sa’īd al-Khudri said: I heard the Messenger of Allah say: "Whosoever of you sees (anything that is) evil, let him change it with his hand; and if he is not able to do so, then with his tongue; and if he is not able to do so, then with his heart; and that is the weakest (state of) faith." (Sahīh, Muslim)

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CHAPTER THREE

THE GRAND DESIGN

There is a grand design that links international politics, international monetary economics and religion with today’s fraudulent monetary system. Let us explain. Every Jewish child knows about, and believes in, a divine promise communicated to the Israelite people in which Allah Most High promised that history would end with one man, who would be a Prophet and the Messiah, ruling the whole world from the throne of David (‘alaihi al-Salām) in Holy Jerusalem with eternal rule. Jews concluded there-from that history would end with Pax Judaica (a Judeo-world-order), and with Jerusalem once more at the center of the world as it was at the time of Solomon (‘alaihi al-Salām). They believed that Pax Judaica would validate the Jewish claim to truth, while invalidating all other such claims. It is quite remarkable that Muslims and Christians both share with Jews the belief that the historical process would culminate with the Messiah ruling the world with justice from

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Holy Jerusalem. However, unlike Jews, Muslims and Christians both believe that Jesus, the son of the Virgin Mary, was the divinely promised Messiah. They also both believe that he was raised into the heavens at the time of the attempt to crucify him, and that he would return to rule the world from Jerusalem exactly as divinely prophesied. The Qur’ān explained the phenomenon of his return by disclosing that Jesus was not crucified but, rather, that Allah Most High caused it to appear as such:

‫ﻮﻩ‬‫ﺎ ﺻﻠ‬‫ﺘ ﹸﻮﻩ ﻭﻣ‬‫ﺎ ﻗ‬‫ﻮﻝ ﺍﻟﻠﻪ ﻭﻣ‬ ‫ﻢ ﺭ‬‫ﺑﻦ ﻣﺮﻳ‬‫ﻰ ﺍ‬‫ﻴﺴ‬‫ﺎ ﺍﹾﻟﻤ ﺴِﻴﺢ ﻋ‬‫ﺘﻠﻨ‬‫ﺎ ﻗ‬‫ﻬﻢ ﹺﺇ‬‫ﻭﻗﻮﻟ‬  ‫ ﹶ ﺒ‬   ‫ ﹶ ﻠ‬  ‫ﺳ ﹶ ﹼ‬       ‫ ﻧ ﹶ ﹾ‬ ‫ ﹺ‬ ‫ﹶ‬ ‫ﻢ ﹺﺑ ﻪ ﻣﻦ ﻋﻠﻢ ﹺﺇﻻ‬ ‫ﺎ ﹶﻟ‬‫ﻨﻪ ﻣ‬‫ﻲ ﺷﻚ ﻣ‬‫ﻴﻪ ﹶﻟﻔ‬‫ﺘﻠ ﹸﻮﹾﺍ ﻓ‬‫ﻳﻦ ﺍﺧ‬‫ﺒﻪ ﹶﻟﻬﻢ ﻭﹺﺇﻥ ﺍﱠﻟﺬ‬‫ﻦ ﺷ‬‫ﻭﻟﹶـﻜ‬ ‫ﹾ ﹴ ﱠ‬    ‫ ﻬ‬     ‫ ﹶﻔ‬  ‫ ﱠ‬      ‫ﺎ‬‫ﻴﻤ‬‫ﺍ ﺣ ﻜ‬‫ﻴﻪ ﻭﻛﹶﺎﻥ ﺍﻟﻠﻪ ﻋﺰﹺﻳ ﺰ‬‫ﻞ ﺭﻓﻌﻪ ﺍﻟﻠﻪ ﹺﺇﹶﻟ‬‫ﺎ ﺑ‬‫ﻴﻨ‬‫ﻳﻘ‬ ‫ﺘﹸﻮﻩ‬‫ﺎ ﻗ‬‫ﺒﺎﻉ ﺍﻟﻈﻦ ﻭﻣ‬‫ﺗ‬‫ﺍ‬    ‫ ﹶ ﹼ‬   ‫ ﹼ‬  ‫ﹶ‬  ‫ ﹶﻠ‬  ‫ ﱠ‬
“That they said (in boast), "We killed Christ Jesus the son of Mary, the Apostle of Allah"; — but they killed him not, nor crucified him, but so it was made to appear to them, and those who differ therein are full of doubts, with no (certain) knowledge, but only conjecture to follow, for of a surety they killed him not. Nay, Allah raised him up unto Himself; and Allah is Exalted in Power, Wise. (Qur’ān, al-Nisā, 4:157-158)

Christians have rejected that declaration of the Qur’ān, and persist in their belief that Jesus was crucified.

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Jews, on the other hand, reject Jesus as the Messiah, and await another Messiah who would liberate the Holy Land for Jews, bring them back to the Holy Land to reclaim it as their own, restore the Holy State of Israel in the Holy Land (i.e., the Holy Israel that was created by the Prophets David and Solomon), and then cause that Israel to become the ruling state in the world. That Messiah would then rule the world from Holy Jerusalem with Pax Judaica and bring back the Jewish golden age. There is compelling evidence that continues to

mysteriously unfold in the world that appears to validate the Jewish claim to truth. After all, the ‘liberation’ of the Holy Land took place in 1917. Then the world witnessed the subsequent return of the Jews to the Holy Land to reclaim it as their own some 2000 years after they were expelled from it by divine decree. The establishment of the present (imposter) State of Israel then followed in 1948, and subsequently growth of Israel to super-power status in the world became evident. Along the way the Judeo-Christian alliance that brought modern western civilization into being has made steady progress towards the establishment of a world government. It now appears to be only a matter of time before Israel replaces USA as the ruling state in the world, and a ruler of Israel makes his appearance as the head of a world government based in Jerusalem, and he makes the momentous claim that he is the Messiah!

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Prophet Muhammad (sallalahu ‘alaihi wa sallam) informed the world that Allah Most High, who had pre-knowledge of all events, had responded to the Jewish rejection of the true Messiah by creating a false Messiah. He disclosed that Allah Most High would release that evil being into the world in a dimension of time other than our own (see chapter two of ‘Surah al-Kahf and the Modern Age’ entitled ‘The Qur’an and Time’), and

with a mission to impersonate the true Messiah. Consequently Dajjāl the false Messiah would have to attempt to establish a world government through which he would rule over the world from Jerusalem. There is information in the life of the blessed Prophet which indicates that the false Messiah was released into the world after the Prophet’s Hijrah to Madina had taken place, and after the Jews of Madina had rejected him as a true Prophet and the Qur’ān as the revealed word of Allah Most High. ‘Jerusalem in the Qur’ān,’ has explained this subject in quite some detail. The Prophet also disclosed that one of the most formidable weapons that the false Messiah would use to achieve his goal of ruling the world from Jerusalem would be that of reducing mankind to such a state of internal spiritual blindness that they would be incapable of perceiving his diabolical strategies and would thus be deceived. (See ‘Surah al-Kahf and the Modern Age’ chapter on ‘Moses and Khidr’). The Prophet disclosed the

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supreme strategy through which the false Messiah would seek to impose his universal dictatorship over mankind to be the weapon of Ribā. With Riba he would enslave with poverty those who resist him, and empower with wealth those who accept and support him. The rich elite of mankind so created would then be used as clients and surrogates to exploit and enslave the poor masses and rule over them on behalf of the false Messiah.

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CHAPTER FOUR

THE GRAND DESIGN AND THE JEWISHCHRISTIAN ALLIANCE

The Qur’ān has strictly prohibited Muslims from entering into friendly relations or an alliance with such Jews and Christians who themselves reconcile and establish JudeoChristian friendship and alliance. It did so in the following momentous verse of Sūrah al-Māidah:

‫ﺑﻌﺾ‬ ‫ﺎﺀ‬‫ﻟﻴ‬‫ﺑﻌﻀﻬﻢ ﹶﺃﻭ‬ ‫ﺎﺀ‬‫ﻟﻴ‬‫ﻯ ﹶﺃﻭ‬‫ﺎﺭ‬‫ﻨﺼ‬‫ﺍﻟ‬‫ﻮﺩ ﻭ‬ ‫ﻴ‬‫ﺘﺨ ﹸﻭﹾﺍ ﺍﹾﻟ‬‫ﺗ‬ ‫ﻮﹾﺍ ﻻ‬‫ﻳﻦ ﺁﻣ‬‫ﺎ ﺍﱠﻟﺬ‬‫ﻳﻬ‬‫ﺎ ﹶﺃ‬‫ﻳ‬ ‫ ﹴ‬       ‫ﺬ ﻬ‬ ‫ﻨ ﹶ‬  ‫ﻟﻤﲔ ﭫ‬‫ﻱ ﺍﹾﻟﻘﻮﻡ ﺍﻟ ﱠﺎ‬‫ﻳﻬﺪ‬ ‫ﻨﻬﻢ ﹺﺇﻥ ﺍﻟﻠﻪ ﻻ‬‫ﻧﻪ ﻣ‬‫ﻨﻜﻢ ﻓ ﺈ‬ ‫ﻢ‬ ‫ﺘﻮﱠﻟ‬‫ﻳ‬ ‫ﻦ‬‫ﻭﻣ‬   ‫ ﻈ‬ ‫ﹶ‬  ‫ ﹶ‬ ‫ ﱠ ﹼ‬    ‫ ﹶﹺ‬ ‫ ﻬ ﻣ ﹸ‬ 
“Oh you who believe (in Allah Most High) do not take (such) Jews and Christians as your friends and allies who themselves are friends and allies of each other. And whoever from amongst you turns to them with friendship and alliance belongs to them. Surely Allah will not guide a people who commit such (an act of) Dhulm (evil, wickedness).” (Qur’ān, al-Māidah, 5:51)

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We live in precisely such a world in which a JudeoChristian alliance has emerged for the very first time in history. It is that alliance which has created modern western civilization, and which now rules the world through the United Nations Organization, etc. It has created a monetary and economic system through which it has already succeeded in unjustly enriching itself at the expense of the rest of the world. It is that Jewish-Christian alliance which established the International Monetary Fund. The reader must now question whether the Qur’anic verse quoted above has prohibited Muslim membership in international organization created and controlled by that Jewish-Christian alliance. The answer should be obvious. A rich elite now rules over the poor masses of mankind, and the rich nations now rule over the rest of the world. In addition, the wealthy ruling elite around the world now constitute one Jamā’ah, and the stage is now set for the appearance of their one Amīr, who would rule the world from Jerusalem and would be the false Messiah. Those who cannot recognize Dajjāl the false Messiah as the mastermind behind the present world-order, now rule almost the entire Muslim world. They consequently defy the Qur’anic prohibition while establishing and maintaining friendly ties and even alliance with that Judeo-Christian alliance. So long as such people continue to rule over Muslims,

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the Ummah of Muhammad (sallalahu ‘alaihi wa sallam) would continue to remain imprisoned in miserable poverty and incapable of resisting those who wage war on Islam on behalf of the State of Israel. We now describe one of the processes of Riba through which Dajjāl empowers with wealth those who support him, and enslaves with poverty those who oppose him. What he did was to establish an international monetary system that corrupted money in such a way that it could be manipulated and made to function as a vehicle of legalized theft, gigantic fraud, and economic oppression. One of the very visible forms of such is the exploitation of labor through slave wages. Around the world of the so-called free market economy today, governments have found it necessary to impose minimum wage legislation in order to prevent bloody rebellion by those imprisoned in slave wages. The reader can easily recognize the very heart of the process of legalized theft in the international monetary system that the Judeo-Christian alliance has created by focusing attention on an event that occurred in April 1933. The US Government enacted legislation at that time prohibiting American residents from keeping gold coins, bullion or gold certificates in their possession. Gold coins were demonetized, and were no longer permitted as legal tender. They could not be used as money. If anyone was caught with such gold after a

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certain date, he could be fined $10,000 and/or be imprisoned for six months. In exchange for the gold coins and bullion, the Federal Reserve Bank, which is a private bank, offered paper currency (i.e., US dollars) with an assigned numerical value of $20 for every one ounce of gold. Most Americans rushed to exchange their gold for paper currency, but those who were aware of the rip off that was about to take place bought gold with their paper currency and then shipped the gold away to Swiss banks. It is significant that the British government also demonetized gold coins in the same year as the US. They did so through the simple expedient of suspending the redeemability of the sterling paper pound into gold. After all the gold in USA had been exchanged for paper currency, the US Government then proceeded in January 1934 to arbitrarily devalue the US paper dollar by 41% and to then rescind the law of prohibition concerning gold that was previously enacted. The American people rushed back to exchange their paper currency for gold at the new exchange value of $35 per ounce of gold. In the process, they were robbed of 41% of their wealth. The reader can now easily recognize the legalized theft that takes place when paper currency is devalued.

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The Qur’ān has specifically prohibited, hence declared Harām, such a robbery of people’s wealth. It has done so, for example, in these verses of Sūrah al-Nisā and Sūrah Hūd:

‫ﻦ‬‫ﺎﺭﺓ ﻋ‬‫ﺗﺠ‬ ‫ﺗ ﹸﻮﻥ‬ ‫ﺎﻃﻞ ﹺﺇﻻ ﺃﹶﻥ‬‫ﻨ ﻜﻢ ﺑﹺﺎﹾﻟﺒ‬‫ﻴ‬‫ﺑ‬ ‫ﺍﹶﻟﻜﻢ‬‫ﺗﺄﻛﹸﻮﹾﺍ ﹶﺃﻣﻮ‬ ‫ﻮﹾﺍ ﻻ‬‫ﻳﻦ ﺁﻣ‬‫ﺎ ﺍﱠﻟﺬ‬‫ﻳﻬ‬‫ﺎ ﹶﺃ‬‫ﻳ‬ ‫ ﹰ‬ ‫ ﹺ ﱠ ﻜ ﹶ‬  ‫ ﹸ‬ ‫ ﹸ‬ ‫ﻨ ﹶ ﹾ ﹸﻠ‬  ‫ﺎ‬‫ﻴﻤ‬‫ﺘﹸﻮﹾﺍ ﺃﹶﻧﻔﺴﻜﻢ ﹺﺇﻥ ﺍﻟﻠﻪ ﻛﹶﺎﻥ ﹺﺑ ﻜﻢ ﺭﺣ‬‫ﺗﻘ‬ ‫ﻨﻜﻢ ﻭﻻ‬ ‫ﺍﺽ‬‫ﺗﺮ‬   ‫ ﹶ ﹸ‬‫ ﱠ ﹼ‬ ‫ ﹸ‬ ‫ ﹶ ﹾ ﻠ ﹸ‬  ‫ﹴ ﻣ ﹸ‬
“O ye who believe! Do not appropriate each others property and wealth in a manner that is unjust and unfair: Rather, let business be transacted in a manner that brings mutual satisfaction . . . .!” (Qur’ān, al-Nisā, 4:29)

‫ﺎﺀﻫﻢ ﻭﻻ‬‫ﺎﺱ ﹶﺃﺷﻴ‬‫ﺒﺨﺴﻮﹾﺍ ﺍﻟ‬‫ﺗ‬ ‫ﺍﻥ ﺑﹺﺎﹾﻟﻘﺴﻂ ﻭﻻ‬‫ﻴ ﺰ‬‫ﺍﹾﻟﻤ‬‫ﺎﻝ ﻭ‬‫ﺎ ﻗﻮﻡ ﹶﺃﻭﹸﻮﹾﺍ ﺍﹾﻟﻤﻜﻴ‬‫ﻭﻳ‬ ‫ﹶ‬    ‫ ﻨ‬  ‫ﹶ‬    ‫ﹶ‬ ‫ ﹾ ﹶ‬ ‫ﻓ‬ ‫ ﹺ‬ ‫ ﹶ‬ ‫ﻳﻦ ڳ‬‫ﻲ ﺍﻷ ﺭﺽ ﻣﻔﺴﺪ‬‫ﺗﻌﹶﺜﻮﹾﺍ ﻓ‬  ِ ‫ﹾ‬ ‫ ﹺ‬ َ 
"And O my people! give just measure and weight, and do not deprive people of what is rightfully theirs by diminishing the value of their things (such as value of labor, merchandise, property, etc.) and do not commit evil in the land with intent to corrupt and destroy.” (Qur’ān, Hud, 11:85)

And Prophet Muhammad (sallalahu ‘alaihi wa sallam) has declared such transactions which are based on deception, and

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which yield a profit or gain to which one is not justly entitled (i.e., acts of ‘ripping off’), to be Ribā.
2

The Federal Reserve Bank appeared in the above incident to have initiated a ‘trial run’ to test domestically the new monetary system through which a massive and unjust transfer of wealth throughout the unsuspecting world could be achieved. That transfer would take place through the simple device of creating money out of worthless paper and then forcing paper currency upon all of mankind. Those who control the monetary system would then target certain currencies and force them to be continuously devalued. As such paper currencies lost value the unsuspecting masses would suffer massive loss of wealth, however, their ‘loss’ would result in ‘gain’ for others. Less than two years earlier, in September 1931, the British pound was devalued by 30% and this gradually increased to 40% by 1934. France then followed with a devaluation of the French Franc by 30%, the Italian Lira was devalued by 41%, and the Swiss Franc by 30%. The same thing subsequently happened in most European countries. Only Greece went beyond the rest of Europe to devalue its currency by a whopping 59%. What appeared to be "beggar thy neighbor" policies of 1930s — using currency devaluations to increase the competitiveness of a country's export products in order to reduce balance of payments deficits — resulted in plummeting

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national incomes, shrinking demand, mass unemployment, and an overall decline in world trade that came to be known as the Great Depression. However, it prepared the way for the imposition of an international monetary system that ostensibly sought to bring order and prevent chaos in the world of money and trade. In other words, the Great Depression was artificially contrived in order to justify the imposition of an international monetary system that would bring order to a chaotic world of money. This unusual and highly suspicious collaboration amongst European countries in the almost simultaneous and utterly fraudulent devaluation of their currencies should have awakened Muslims to the grave dangers posed by the European Judeo-Christian monetary system of paper currencies. The Judeo-Christian alliance went on to establish a ‘paper currency’ international monetary system at Bretton Woods. They used the link between the US dollar and gold in the Bretton Woods Agreement as a fig leaf to hide the fact that paper could now be printed and used as money without any requirement that it be redeemable in the market in real money, i.e., money with intrinsic value. The Bretton Woods Agreement paved the way for the International Monetary Fund to be established in 1944 with the explicit function of maintaining an international monetary system of precisely such nonredeemable paper currencies. By 1971 even the fig leaf

38

disappeared when USA reneged on its treaty obligation under international law to redeem US dollars for gold. It is amazing, really, that there was no significant Islamic intellectual response to warn and mobilise Muslims to oppose the new fraudulent monetary system. If scholars of Islam were blinded by the fig leaf that was the US dollar, and could not see the fraudulent nature of the monetary system, there has been no fig leaf since 1971 that could cover the shame of legalised theft. Yet the world of Islamic scholarship still failed to see that modern paper money was Harām. Consequently, the entire Muslim world blindly followed the Judeo-Christian alliance into the proverbial monetary lizard’s hole. As the European Judeo-Christian alliance decolonised the rest of the colonised world they ensured that the decolonised non-European world was absorbed into the new monetary system through membership in the International Monetary Fund. The Articles of Agreement of the IMF prohibited the use of gold as money. It did so by prohibiting any link between gold and paper currencies other than the US dollar. Art. 4 Section 2(b) of the Articles of Agreement stated: “exchange arrangements may include (i) the maintenance by a member of a value for its currency in terms of the special drawing right or another denominator, other than gold, selected by the member, or (ii) cooperative arrangements by which members maintain
3

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the value of their currencies in relation to the value of the currency or currencies of other members, or (iii) other exchange arrangements of a member's choice.” In April 2002, US Congressman Ron Paul sent the following letter to both the US Treasury Department and the Federal Reserve Bank (which, incidentally, is a privately owned bank) asking why the IMF prohibits gold-backed currencies for its member states:
Dear Sirs: I am writing regarding Article 4, Section 2b of the International Monetary Fund (IMF)'s Articles of Agreement. As you may be aware, this language prohibits countries who are members of the IMF from linking their currency to gold. Thus, the IMF is forbidding countries suffering from an erratic monetary policy from adopting the most effective means of stabilizing their currency. This policy could delay a country's recovery from an economic crisis and retard economic growth, thus furthering economic and political instability. I would greatly appreciate an explanation from both the Treasury and the Federal Reserve of the reasons the United States has continued to acquiesce in this misguided policy. Please contact Mr. Norman Singleton, my legislative director, if you require any further information regarding this request. Thank you for your cooperation in this matter. Ron Paul U.S. House of Representatives

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It is significant that neither the Federal Reserve Bank nor the US Treasury Department has so far responded to this request for an explanation. The reason why they have not responded is that there is no explanation other than the fact that the monetary system established through the IMF was designed to rip off mankind and eventually impose financial slavery on all those people who are targeted by the Jewish-Christian alliance which now rules the world. The IMF was used to establish a new international monetary system with new and strange monetary terminology, and Muslims found themselves confronted by terms they had never before experienced. There was a world of a difference between ‘local (paper) currency’, which was accepted as a medium of exchange in the country in which it was issued, and ‘foreign exchange’ paper currency that was the medium of exchange for trade outside of that country. Therefore, if Muslims in Malaysia wanted to sell goods to Muslims in neighbouring Indonesia, the Indonesians had to find foreign exchange to pay for their purchases. However, such foreign exchange was, for all practical purposes, limited to either European paper currencies or to the US dollar. Thus, the trap was set for demand for such European currencies as the US dollar that then became known as ‘hard’ currency. So long as the Judeo-Christian alliance could maintain demand for their paper currencies all that they had to do was to keep on printing

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such money and, in the process, keep on creating wealth out of nothing. The evil plan behind the whole system was also to get Western currencies, as well as those of their surrogates, to constantly increase in value in relation to other currencies. That was achieved through the simple device of either coaxing or forcing devaluation of targeted currencies. As such currencies were devalued, it resulted in a massive transfer of wealth from the masses to the elite. It also forced labour into working for slave wages, and it imprisoned those who took hard currency loans from an ever-willing IMF and from European commercial banks and now found themselves in ever-increasing difficulty to repay those loans with interest. In fact, the entire monetary system with its IMF centrepiece was specifically designed to achieve such results. Targeted countries were trapped with huge loans, were continuously drained of their wealth, and were impoverished as they struggled to repay loans with money that constantly lost value. It did not happen by accident. Finally, and most glaring of all, the new international monetary system of paper money facilitated the banking system, through fractional reserve banking, to lend on interest money it did not possess. That, also, was legalised fraud. I suspect that the Muftis of Islam neither understand what is meant by fractional reserve banking, nor do they have adequate knowledge of the history of international monetary economics

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briefly described in this essay. When electronic money totally replaces paper currency, and the unjust monetary system perfects itself, I fear that the Muftis would declare ‘electronic money’ as well to be Halāl. The IMF was created with a specific purpose of preventing currency exchange restrictions that would hinder the constant devaluation of targeted currencies. Thus the Articles of Agreement declared that the IMF would “assist in the . . . elimination of foreign exchange restrictions which hamper the growth of world trade.” The elimination of foreign exchange restrictions

would then expose a targeted currency to financial attacks that would create opportunities for windfall profits as the currencies lost value. The international monetary system that emerged out of the Bretton Woods Conference has already succeeded in imprisoning the masses of mankind, including nearly the entire Muslim world, in the prison of permanent poverty and (sometimes) destitution. However, when paper money is replaced by electronic money, such would bring in its wake financial slavery. Muslims must respond in an appropriate way if they are to ever expect any divine assistance that could deliver them from financial slavery. What can that response be? Where should they begin?

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CHAPTER FIVE

OUR RESPONSE

Whenever Muslims become conscious of the fact that they have abandoned a Sunnah of Prophet Muhammad (sallalahu ‘alaihi wa sallam) while following the Judeo-Christian alliance into the lizard’s hole, their basic response must be to turn around and to try to recover that lost Sunnah. However, when that Sunnah is also firmly located in the Qur’ān, as is the gold Dinār and silver Dirham, then they must also seek Allah’s forgiveness for that act of betrayal and hasten to earn His forgiveness by waging a struggle to recover that which was abandoned. How should they wage that struggle? What should they do?

Stage One
Minting gold and silver coins permits Muslims to fulfil religious obligations such as paying Zakāt, Mahar (dowry in marriages), financing the Hajj, etc. In addition, such coins would function as a ‘store of value’ and provide the rich with a

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means of securing their wealth from losses that attend the devaluation of paper money. Minting gold coins and putting them on sale offers little relief to the poor destitute masses who would have difficulty in buying and then storing even a single Gold Dinār. However, minting the Gold Dinār and Silver Dirham and offering them for sale is certainly of value in furthering the process of public education. It is when gold and silver coins enter a market to function as a ‘medium of exchange’ and as a ‘measure of value’, that Sunnah money would be fully restored. Such money would immediately expose the fraudulent nature of paper money. The principle is that good money exposes bad money. We can expect that the Judeo-Christian alliance that now rules the world, as well as its clients in the Muslim world, and the banking world in general, would resist all efforts we may make to have gold and silver recognized as legal tender. As a consequence the basic Islamic response to this monetary predicament must focus on legal tender laws that prohibit the use of gold and silver coins as legal tender. The masses must be mobilised to question why is the use of a Dinār as money prohibited? No government in the world can possibly answer that question since even the IMF cannot answer it. The effort to respond to such manifestly immoral and oppressive laws must be pursued in the form of a struggle that conforms to the strategic Sunnah (i.e., the Sunnah of the blessed

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Prophet as far as he struggled against oppression). That Sunnah teaches us that a mass program of public education is the first stage of the struggle of liberation from political and economic oppression. This essay was written for precisely that purpose. However, many Muslims cannot be convinced of the fraudulent nature of paper money in today’s monetary system so long as the Ulama themselves do not understand the subject and persist in defending the validity of such money. It might thus be helpful if the Muslim peoples could be made aware of the Hadīth in which the blessed Prophet warned of an age when the ‘Ulamā of Islam would betray Islam to such an extent that they would become “the worst people beneath the sky” and that
“nothing would remain of Islam but the name”: “It would not be long before that time comes when nothing would remain of Islam but the name, and nothing would remain of the Qur’ān but the (traces of the) writing. (At that time) their Masājid would be grand structures but would be devoid of guidance. And (at that time) their ‘Ulamā would be the worst people beneath the sky. From them would emerge Fitnah, and to them would it return.” (Sunan, Tirmidhi)

Stage Two
The second stage of the struggle would involve refusal by the remote countryside to accept and use paper currency or electronic money. Rice farmers in the Indonesian island of Java,

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for example, would be mobilised to demand that they be paid for their rice in Dinārs. In the event that buyers refuse to pay in Dinārs the rice farmers would then monetise their rice by using rice itself as a medium of exchange. Thus, rice would be used as money. Of course the use of rice as money would be a temporary measure and could function only in respect of small item or micro purchases. In this way, Sunnah money would replace paper and electronic money at least in respect of micro financial exchanges. The cities would remain trapped in electronic money for as long as the Gog and Magog world-order continues to rule the world. However, Sunnah money can keep on advancing from the countryside towards the cities until the prophecy of Prophet Muhammad (sallalahu ‘alaihi wa sallam) is fulfilled:
“Abu Bakr ibn Abi Maryam reported that he heard the Messenger of Allah say: "A time is certainly coming over mankind in which there will be nothing (left) which will be of use (or benefit) save a Dinār and a Dirham.” (Musnad, Ahmad)
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Notes
1

The Qur’an has made a firm distinction between ‘business’ and

‘money-lending’. In every business transaction there must be an element of risk in consequence of which the transaction might yield a profit or suffer a loss. Allah Most High can then intervene to ‘take’ from some and to ‘give’ to others. In this way He, Most High, would ensure that wealth would circulate throughout the economy. The rich would then not remain permanently rich, and the poor would not be imprisoned in permanent poverty. When money is lent on interest, however, the money-lender insulates himself to the maximum extent possible from suffering any loss. As a consequence money does not circulate in an economy based on money being lent on interest. The rich remain permanently rich and the poor remain permanently poor and vulnerable to exploitation. Miserable poor Muslim Indonesian village-women, for example, must work as maids for the ruling non-Muslim tribe in Singapore despite the fact that their employers are hostile to Islam. And, in addition to having to cook and serve pork, must also work for 24 hours a day without any day of rest and all of that for slave wages.
2

“Anas ibn Malik said that the Messenger of Allah said:

Deceiving a mustarsal (someone who is unaware of market prices) is Ribā.” (Sunan Baihaqi) “Abdullah bin Abu Aufa said: A man displayed some goods in the market and took a false oath that he had been offered so

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much for them though he was not offered that amount. Then the following divine verse was revealed: Verily! Those who purchase a little gain at the cost of Allah’s covenant and their oaths . . . will get painful punishment. (3:77) Ibn Abu Aufa added: Such a person (as described above) is a treacherous consumer of Ribā.” (Bukhari) Transactions based on deception such as concealing the marketprice, can permit a seller or buyer to sell or buy goods at a price higher or lower than the market price, and thus realise a gain or profit greater than that to which he was justly entitled. We may now deduce that any transaction which is based on deception and which realises for the agent of deception a profit or gain greater than that to which he is justly entitled would be Ribā. The modern monetary system based on non-redeemable paper currencies that constantly lose value constitute precisely such deception that yields profit or gain to which they creators of the monetary system are not justly entitled. Hence it must be recognised as Ribā.
3

Since this writer’s webmaster has informed him that someone

from the IMF has been a regular visitor to his website, he invites the IMF to correct him in this matter if he is wrong. There is an entire chapter in ‘Jerusalem in the Qur’an’ which explains the subject of Gog and Magog in Islam.
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