Divine Will ( Qadr )

Friday - Hadith of the week

Sahih Bukhari
Volume 8, Book 77, Number 593:

Narrated 'Abdullah:
Allah's Apostle, the truthful and truly-inspired, said, "Each one of you collected in the womb of his mother for forty days, and then turns into a clot for an equal period (of forty days) and turns into a piece of flesh for a similar period (of forty days) and then Allah sends an angel and orders him to write four things, i.e., his provision, his age, and whether he will be of the wretched or the blessed (in the Hereafter). Then the soul is breathed into him. And by Allah, a person among you (or a man) may do deeds of the people of the Fire till there is only a cubit or an arm-breadth distance between him and the Fire, but then that writing (which Allah has ordered the angel to write) precedes, and he does the deeds of the people of Paradise and enters it; and a man may do the deeds of the people of Paradise till there is only a cubit or two between him and Paradise, and then that writing precedes and he does the deeds of the people of the Fire and enters it."

DIFC Authority releases updated version of ‘Guide to Islamic Finance’

Thursday - Islamic Finance News of the Week

The Dubai International Financial Centre Authority today announced the release of the updated version of its ‘Guide to Islamic Finance in or from the DIFC’.Apart from incorporating the new landmarks in the evolution of its model Islamic insurance regulatory framework and operating practises, the latest publication also takes into account the changing overall scenario as a result of the ongoing financial crisis that is gripping the world.

At the same time, the publication retains and expands on its original aim of assisting those parties from within the region and outside, who are interested in learning about the rapidly expanding world of Islamic finance.

The publication provides a summary of the underlying concepts in Islamic finance and examines the issues facing the Islamic financial services industry, both in DIFC and beyond; now and in the future.

The Islamic Financial services industry is growing at a phenomenal rate. What emerged as a niche industry has now pervaded almost every major financial market in the world. Markets are seeking to introduce Islamic products under various labels like Islamic Finance, Shariah-compliant Finance, or even Alternative Finance, but whatever title is used, it is without doubt one of the fastest growing financial sectors in the world. Most global banks either have a subsidiary or a division dedicated to Islamic Finance.

Abdulla Al Awar, Chief Executive Officer of DIFC Authority, pointed out that the DIFC had identified Islamic Finance as one of its major pillars even before it became globally popular. “Since then the DIFC has successfully worked towards becoming a hub for Shariah-compliant finance.“Perhaps now is the opportunity for Islamic Finance to come out from the shadows of conventional finance and provide financial products in line with Shariah to an investor base that is currently unsatisfied and unsure of the conventional financial system,” he said.

There are many factors for this phenomenon. Many conventional forms of banking and insurance have been prohibited or restricted in the Islamic World on the grounds that they contravene the tenets of Islam. But, in recent years, there has been a dramatic growth in Islamic or Shariah-compliant financial products, reflecting a number of trends including changes in Islamic law such as the approval in 1985 by the Grand Counsel of Islamic scholars of the Takaful system as the alternative form of insurance written in compliance with Islamic Shariah and the emergence of an international market in Sukuk (Shariah-compliant) bonds.

Other factors are economic development giving rise to infrastructure and other projects which require Shariah-compliant forms of financing, rising incomes among the Arab population resulting in the need for Islamic consumer financial products such as insurance, mortgages, pension plans and investment funds, and changing demographics resulting in the growing need for pensions and other retirement savings products. The publication points out that the total size of the Islamic Banking industry is currently estimated to be between US $800 billion to $1trillion, and is estimated to have a global potential of $4 trillion. It is growing at 15-20 per cent per annum and within the next 8-10 years Islamic banking industry is projected to capture half of the savings of the world’s 1.6 billion Muslims.

Currently, market penetration amounts to an estimated 20 per cent of the Arab population. This figure is expected to rise dramatically and it is expected that within the next decade, 50 to 60 per cent of the total savings of the world's 1.2 billion Muslims will be in the form of Shariah compliant products.

More interestingly, as conventional banking faces troubled times, Islamic banking, which is asset-backed as opposed to debt-based, offers a viable alternative and is becoming increasingly popular in global financial capitals such as London, which ranks second after Dubai in terms of the number of listed sukuks. The publication says assets under management in Islamic Funds are estimated to be between $50-70 billion and the total value of sukuks issued is valued at more than $88 billion, of which $13 billion is listed on NADAQ Dubai.

Hari Bhambra, Senior Partner, Praesidium, said: “Islamic Financial Institutions based in the DIFC are clearly ready to respond to this opportunity and this publication provides information on the manner in which Islamic Finance can be offered in or from the DIFC.

“Praesidium has developed this publication with the DIFC Authority to assist those parties interested in learning about Islamic finance generally and gaining an understanding of the operating environment of the DIFC,” he said.

Bhambra said the publication provides a summary of the underlying concepts in Islamic finance and examines the issues facing the Islamic financial services industry, both in DIFC and beyond; now and in the future.It also sets out the regulatory environment developed by the Dubai Financial Services Authority (DFSA) for Islamic finance and the scope for the application of such requirements to new product offerings, such as Shariah-compliant REITs.

Source: GIFC

If an eclipse is a natural phenomenon, then why should we feel scared and pray?

Tuesday - Islam Q & A of the Week

It is now known that eclipse is nothing but a normal process that occurs after a regular interval (that can be known) of the moon coming between the sun & the earth. Then why was it that Holy Prophet(pbuh) used to pray at that time, though it didn't cause any danger?

Praise be to Allaah.

When the sun was eclipsed at the time of the Messenger of Allaah (peace and blessings of Allaah be upon him), he commanded someone to call out “al-salaatu jaami’ah (prayer is about to begin)”, and he led the people in prayer. Then he addressed them and explained to them the reason for the eclipse, and declared their jaahili beliefs to be null and void. He explained to them what they should do, such as praying and making du’aa’ and giving in charity. He (peace and blessings of Allaah be upon him) said: “The sun and the moon are two of the signs of Allaah; they do not become eclipsed for the death or life of anyone. If you see that then call upon Allaah and magnify Him, and pray, and give in charity.” The Muslims did not know when an eclipse would happen, but when it did happen, they would hasten to do what Allaah had prescribed, such as praying etc.

When an eclipse happened, they would be afraid that is was a warning of impending disaster, so they would turn to Allaah and pray to Him to ward off that which they feared. When astronomy and the calculations of the movements of the sun and moon became well known in later times, and it became known that the experts could know when an eclipse was likely to happen, the scholars (‘ulamaa’) pointed out that this did not change the ruling, and that the Muslims still had to do what they were commanded to do at the time of an eclipse, even if they knew about it in advance. But it is not prescribed to concern ourselves with the matter of predicting eclipses, because that is not what Allaah and His Messenger commanded us to do. The scholars also explained that an eclipse may be a sign or a cause of something bad happening to people. When the questioner says that eclipses do not cause hrm, she is speaking without knowledge and objecting to the sharee’ah of Allaah. People do not necessarily know of the events which Allaah causes to happen at the time of an eclipse, and some people may know about that whilst others do not. It could be that because of the Muslims’ prayers, Allaah wards off bad things which are known only to Him. The Muslim must submit to the ruling of Allaah and act in accordance with His sharee’ah, and have faith in His wisdom, because He is the All-Knowing, All-Wise, may He be glorified and exalted.

(Written by Shaykh ‘Abd al-Rahmaan al-Barraak).

Solar and lunar eclipses are two of the signs of Allaah with which He scares His slaves and reminds them of some of the things which will happen on the Day of Resurrection, when the sun will be wound round and will lose its light and be overthrown and the stars will fall (cf. al-Takweer 81:1), and the sight will be dazed, the moon will be eclipsed and the sun and moon will be joined together (by going into one another, or folded up, or deprived of their light) (al-Qiyaamah 75:8-9). This is why Muslims should be alarmed by eclipses. The Prophet (peace and blessings of Allaah be upon him) used to fear Allaah very much, and one day he came out in an agitated state, thinking that the Hour had begun, when the sun was eclipsed during his lifetime… This is indicative of the great extent to which he kept the Hour in mind and feared it. We, on the other hand, have become negligent and most people no longer think of eclipses as anything other than a natural phenomenon which they go out to watch with special glasses, carrying cameras. They limit themselves to the worldly scientific explanation without understanding the reminder of the Hereafter which it brings. This is one of the signs of hard-heartedness and a lack of concern about the matters of the Hereafter. It reflects a lack of fear of the onset of the Hour, and ignorance of the aims of sharee’ah and the reports that the Prophet (peace and blessings of Allaah be upon him) used to feel fear when these eclipses happened. The Sahaabah (may Allaah be pleased with them) used to stand to pray the eclipse prayer, because they believed that if indeed the Hour had come, they would not then be counted negligent of their prayer, and if this eclipse was nothing to do with the Hour, then they would not lose anything by praying, for they would have earned a great reward. We ask Allaah to make us among those who fear Him and who are afraid of the Hour. May Allaah bless our Prophet Muhammad.

Sheikh Muhammed Salih Al-Munajjid

Source: Islam Q & A

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The Third Stage

Monday - Seerah of Prophet Muhammad (SAW)

Calling unto Islam beyond Makkah

In Shawwal (in the last of May or in the beginning of June 619 A.D.), ten years after receiving his mission from his Lord, the Prophet (Peace be upon him) set out towards At-Ta’if, about 60 kilometres from Makkah, in the company of his freed slave Zaid bin Haritha inviting people to Islam. But contrary to his expectations, the general atmosphere was terribly hostile. He approached the family of ‘Umair, who were reckoned amongst the nobility of the town. But, to his disappointment, all of them turned deaf ear to his message and used abusive language as regards the noble cause he had been striving for. Three brothers from the chieftains of Thaqeef —‘Abd Yaleel, Mas‘ud and Habeeb — sons of ‘Amr bin ‘Umair Ath-Thaqafy met the Prophet (Peace be upon him) , who invited them to embrace Islam and worship Allâh, but they impudently jeered at him and refused his invitation. “He is tearing the cloths of Al-Ka‘bah; is it true that Allâh has sent you as a Messenger?” said one of them. “Has not Allâh found someone else to entrust him with His Message?” said the second. “I swear by Allâh that I will never have any contact with you. If you are really the Messenger of Allâh, then you are too serious to retort back; and if you are belying Allâh, then I feel it is imperative not to speak to.” said the third. The Messenger of Allâh (Peace be upon him) , finding that they were hopeless cases, stood up and left them saying: “Should you indulge in these practices of yours, never divulge them to me.”
For ten days he stayed there delivering his message to several people, one after another, but all to no purpose. Stirred up to hasten the departure of the unwelcome visitor, the people hooted him through the alley-ways, pelted him with stones and obliged him to flee from the city pursued by a relentless rabble. Blood flowed down both his legs; and Zaid, endeavouring to shield him, was wounded in the head. The mob did not desist until they had chased him two or three miles across the sandy plains to the foot of the surrounding hills. There, wearied and exhausted, he took refuge in one of the numerous orchards, and rested against the wall of a vineyard. At a time when the whole world seemed to have turned against him, Muhammad (Peace be upon him) turned to his Lord and betook himself to prayer and the following touching words are still preserved as those through which his oppressed soul gave vent to its distress. He was weary and wounded but confident of the help of his Lord:

“O Allâh! To You alone I make complaint of my helplessness, the paucity of my resources and my insignificance before mankind. You are the most Merciful of the mercifuls. You are the Lord of the helpless and the weak, O Lord of mine! Into whose hands would You abandon me: into the hands of an unsympathetic distant relative who would sullenly frown at me, or to the enemy who has been given control over my affairs? But if Your wrath does not fall on me, there is nothing for me to worry about.”

“I seek protection in the light of Your Countenance, which illuminates the heavens and dispels darkness, and which controls all affairs in this world as well as in the Hereafter. May it never be that I should incur Your wrath, or that You should be wrathful to me. And there is no power nor resource, but Yours alone.”

Seeing him in this helpless situation, Rabi‘a’s two sons, wealthy Makkans, were moved on grounds of kinship and compassion, and sent to him one of their Christian servants with a tray of grapes. The Prophet (Peace be upon him) accepted the fruit with pious invocation: “In the Name of the Allâh.” The Christian servant ‘Addas was greatly impressed by these words and said: “These are words which people in this land do not generally use.” The Prophet (Peace be upon him) inquired of him whence he came and what religion he professed. ‘Addas replied: “I am a Christian by faith and come from Nineveh.” The Prophet (Peace be upon him) then said: “You belong to the city of the righteous Jonah, son of Matta.” ‘Addas asked him anxiously if he knew anything about Jonah. The Prophet (Peace be upon him) significantly remarked: “He is my brother. He was a Prophet and so am I.” Thereupon ‘Addas paid homage to Muhammad (Peace be upon him) and kissed his hands. His masters admonished him at this act but he replied: “None on the earth is better than he is. He has revealed to me a truth which only a Prophet can do.” They again reprimanded him and said: “We forewarn you against the consequences of abandoning the faith of your forefathers. The religion which you profess is far better than the one you feel inclined to.”

Heart-broken and depressed, Muhammad (Peace be upon him) set out on the way back to Makkah. When he reached Qarn Al-Manazil, Allâh, the Almighty sent him Gabriel together with the angel of mountains. The latter asked the Prophet (Peace be upon him) for permission to bury Makkah between Al–Akhshabain —Abu Qubais and Qu‘ayqa‘an mountains. Full narration of this event was given by ‘Aishah (May be pleased with her) (the Prophet’s spouse). She said: “I asked the Prophet (Peace be upon him) if he had ever experienced a worse day than Uhud. He answered that he had suffered a lot from those people (the idolaters) but the most painful was on the day of ‘Aqabah. I went seeking support from Ibn ‘Abd Yalil bin ‘Abd Kalal, but he spurned me. I set out wearied and grieved heedless of anything around me until I suddenly realized I was in Qarn Ath-Tha‘alib, called Qarn Al-Manazil. There, I looked up and saw a cloud casting its shade on me, and Gabriel addressing me: Allâh has heard your people’s words and sent you the angel of mountains to your aid. The latter called and gave me his greetings and asked for my permission to bury Makkah between Al-Akhshabain, the two mountains flanking Makkah. I said in reply that I would rather have someone from their loins who will worship Allâh, the All–Mighty with no associate.” A concise meaningful answer fully indicative of the Prophet’s matchless character and the fathomless magnanimous manners.

The Messenger of Allâh (Peace be upon him) then came back to wakefulness and his heart was set at rest in the light of that invisible Divinely provided aid. He proceeded to Wadi Nakhlah where he stayed for a few days.

During his stay there, Allâh sent him a company of jinns who listened to him reciting the Noble Qur’ân:

“And (remember) when We sent towards you [Muhammad (Peace be upon him) ] Nafran (three to ten persons) of the jinns, (quietly) listening to the Qur’ân, when they stood in the presence thereof, they said: ‘Listen in silence!’ And when it was finished, they returned to their people, as warners. They said: ‘O our people! Verily! We have heard a Book (this Qur’ân) sent down after Moses, confirming what came before it, it guides to the Truth and to a Straight Path (i.e. Islam). O our people! Respond (with obedience) to Allâh’s Caller [i.e. Allâh’s Messenger Muhammad (Peace be upon him) ], and believe in him (i.e. believe in that which Muhammad (Peace be upon him) has brought from Allâh and follow him). He (Allâh) will forgive you of your sins, and will save you from a painful torment (i.e. Hell-fire).’” [46:29-31]

The same incident is referred to in Sûrah Al-Jinn:

“Say [O Muhammad (Peace be upon him) ]: “It has been revealed to me that a group (from three to ten in number) of jinns listened (to this Qur’ân). They said: ‘Verily! We have heard a wonderful Recital (this Qur’ân)! It guides to the Right Path, and we have believed therein, and we shall never join (in worship) anything with our Lord (Allâh).’” [72:1,2] … Till the end of the 15th verse.

From the context of these verses and their relevant interpretation, we can safely establish it that the Prophet (Peace be upon him) was not aware of the presence of that group of jinns. It was only when Allâh revealed those verses that he came to know of it. The verses also confirm that it was the first time they came. However, the context of the different versions suggests that the jinns repeated their visits later on. The presence of that company of jinns comes in the context of the Divine support givto His Messenger, and constitutes a propitious sign of ultimate victory and success for the Call of Islam. It provides an unshakable proof that no power however mighty could alter what is wrought by Allâh:

“And whosoever does not respond to Allâh’s Caller, he cannot escape on earth, and there will be no Auliyâ (protectors) from him besides Allâh (from Allâh’s punishment). Those are in manifest error.” [46:32]

“And we think that we cannot escape (from the punishment of) Allâ h in the earth, nor can we escape (from the punishment) by flight.” [72:12]

Given this support and auspicious start, depression, dismay and sadness that used to beset him since he was driven out of At-Ta’if, he turned his face towards Makkah with fresh determination to resume his earlier plan to expose people to Islam and communicate his Message in a great spirit of zeal and matchless enthusiasm.

Zaid bin Harithah, his companion, addressing the Prophet (Peace be upon him) said, “How dare you step into Makkah after they (Quraish) have expatriated you?” The Prophet (Peace be upon him) answered: “Hearken Zaid, Allâh will surely provide relief and He will verily support His religion and Prophet.”

When he was a short distance from Makkah, he retired to Hira’ Cave. Whence he despatched a man from Khuza‘ah tribe to Al-Akhnas bin Shuraiq seeking his protection. The latter answered that he was Quraish’s ally and in no position to offer protection. He despatched the messenger to Suhail bin ‘Amr, but to no avail, either. Al-Mut‘im bin ‘Adi, a notable in Makkah, however, volunteered to respond to the Prophet’s appeal for shelter. He asked his people to prepare themselves fully armed and then asked Muhammad (Peace be upon him) to enter into the town and directly into the Holy Sanctuary. The Prophet (Peace be upon him) observed a two-Rak‘a prayer and left for his house guarded by the heavily-armed vigilant ‘Adi’s.

It has been reported that later Abu Jahl, the archenemy of Islam, asked Mut‘im if his behaviour suggested protection or conversion, the latter replied it was merely protection. Abu Jahl was relieved and said that he would give Muhammad protection for his sake.

The Messenger of Allâh (Peace be upon him) never forgot Mut‘im’s favour. At the conclusion of the battle of Badr, he declared publicly that if Mut‘im had been still alive and asked for the release of the Quraishite captives, he would not deny him his request.

Source: Al Raheeq Al Makhtum (The Sealed Necter)
Author: Safiur Rahman Al Mubarakpuri

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