The Central Executive Committee of the PTI that met at the party’s Central Secretariat in Islamabad today has decided to hold a series of protest demonstrations in Islamabad as part of its “Hakumat Hatao Mulk Bachao” movement. Announcing the decisions of the CEC, the party Chairman Imran Khan stated that a public meeting would be held in Faisalabad on July 24 followed by a series of protest demonstrations in Islamabad. He said the series of weekend Dharna’s would be held in front of Parliament House in Islamabad in the last week of July and during Ramadan. The exact dates of the Islamabad dharna’s would be announced soon. The PTI Chairman condemned the government for letting loose a reign of terror in Karachi. He said the situation in Karachi is reminiscent of a civil war where killers of innocent citizens are roaming the streets of Karachi with impunity. The writ of the government has all but collapsed. The PTI Chief said that the PTI’s consistent demand of mid-term polls under a neutral caretaker government, independent election commission, and new electoral rolls is the only democratic way forward. The PTI Chairman Imran Khan stressed that the present NRO manufactured government is destroying vital state institutions and causing irreparable damage to the economy. He said the PML(N) and the PPP are both responsible for the present mess in the country. He said those who provided support to the government in the last 3 and half years cannot suddenly become the saviors of the country. The grand alliance initiative of the PML(N) is a grand fraud alliance. If the PML(N) is serious about removing the government, it should resign from Parliament and the Punjab Government. Imran Khan reiterated that free and fair elections under a caretaker government set up by the President who is also the Co-Chairman of the PPP is only wishful thinking. He said the massive rigging in the AJK elections and a number of bye elections is proof that the general elections under a PPP caretaker government cannot be free and fair. To save the country from bloodshed which would be an inevitable consequence of rigged elections, the PTI intends to intensify its remove the government campaign and expects the Supreme Court to take decisive action to remove the present destructive government and install a truly neutral care taker set up. He said the PM and President should he held in contempt of court for obstructing the implementation of Supreme Court judgments. He said only a neutral care taker government set up with the blessings of the Supreme Court can hold free and fair elections under an independent election commission and transparent Nadra based electoral rolls. The PTI Chief lauded the Chief Justice of Pakistan for his historic decision to remove the bogus votes and register almost 37 million new voters by December 2011. He said the PTI would mobilize the youth in each constitutuency to register their votes. REFERENCE: PTI to Stage Protest Demonstrations in Islamabad Islamabad (July 10, 2011)
http://insaf.pk/News/tabid/60/articleType/ArticleView/articleId/7073/PTI-announces-plan-to-bring-Hakumat-Hatao-Mulk-Bachao-Tehreek-to-Islamabad-Qazi-a-witness-to-Sharifs-lies-says-Imran.aspx 
LAHORE, May 14: Tehreek-i-Insaaf Chairman Imran Khan has accused President Pervez Musharraf and MQM leader Altaf Husain of bloodshed in Karachi and called upon the opposition to unite on one-point agenda of getting rid of Musharraf and dictatorship. Addressing a press conference after presiding over a meeting of the Tehreek central executive committee here on Monday evening, he said the disturbance in Karachi was not unexpected because the issue had been raised in the National Assembly session only a day earlier, but the government did nothing to prevent the bloodshed. “Instead of taking steps for maintaining law and order in Karachi, it got the MQM rally arranged intentionally to sabotage the reception of Chief Justice Iftikhar Muhammad Chaudhry which was expected to be much better than Lahore.” He said President Musharraf was not tired of talking about enlightened moderation on the one hand and had joined hands with “top terrorist” MQM leader Altaf Hussain on the other for remaining in power. “The hardened criminals of MQM set at liberty by the government continued firing bullets at the people but the police and the Rangers did not fire even a single teargas shell at them. Ten PTI men were among those who sustained bullet injuries and were under treatment in hospitals.” The PTI, he said, was consulting lawyers to lodge an FIR against Gen Pervez Musharraf and Altaf Husain for the Karachi killings. He said the PTI would also file a case against British Prime Minister Tony Blair in the UK for harbouring MQM leader Altaf Husain who “headed a fascist organisation and was living like a king there through the money sent to him from Pakistan. The MQM is a fascist organisation like Hitler’s Nazi Party. No body dared to challenge the Nazi Party because it got its opponents eliminated. The MQM first fired bullets on the people and then tried to portray itself as a victim.” He said Pakistan People’s Party chairperson Benazir Bhutto had not played the Sindh Card, but President Musharraf continued playing the MQM card and was not tired of praising Altaf Husain in his speeches. “Innocent people were being killed in Karachi but there were jubilations in Islamabad at government expense.” REFERENCE: PTI to sue Blair for ‘harbouring’ MQM leader By Our Reporter May 15, 2007 Tuesday Rabi-us-Sani 27, 1428
http://archives.dawn.com/dawnftp/72.249.57.55/dawnftp/2007/05/15/nat5.htm
Imran Khan is very fond of "Islam" and "State of Medina" & "Rule of Allah", the second banner says "Allah's Order" & "People's Government" (NO SUCH THING IN ISLAM CALLED "PEOPLE'S GOVERNMENT - IT IS HARAM)
Lets read what the Traditions of Prophet Mohammad (PBUH) orders Muslims during the month of Ramadan.
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The ummah is agreed that fasting the month of Ramadaan is obligatory, the evidence for which is in the Qur’aan and Sunnah. Allaah says (interpretation of the meaning):
“O you who believe! Observing al-sawn (the fasting) is prescribed for you as it was prescribed for those before you, that you may become al-muttaqoon (the pious).” [al-Baqarah 2:183]
The Prophet (peace and blessings of Allaah be upon him) said: “Islam is built on five [pillars]…” among which he mentioned fasting in Ramadaan. (Reported by al-Bukhaari, al-Fath, 1/49). Whoever breaks the fast during Ramadaan without a legitimate excuse has committed a serious major sin, The Prophet (peace and blessings of Allaah be upon him) said, describing a dream that he had seen: “… until I was at the mountain, where I heard loud voices. I asked, ‘What are these voices?’ They said, ‘This is the howling of the people of Hellfire.’ Then I was taken [to another place], and I saw people hanging from their hamstrings, with the corners of their mouths torn and dripping with blood. I said, ‘Who are these?’ They said, ‘The people who broke their fast before it was the proper time to do so,’ i.e., before the time of iftaar.” (Saheeh al-Targheeb, 1/420).
Al-Haafiz al-Dhahabi (may Allaah have mercy on him) said, “Among the believers it is well-established that whoever does not fast in Ramadaan without a valid excuse is worse than an adulterer or drunkard; they doubt whether he is even a Muslim at all, and they regard him as a heretic and profligate.” Shaykh al-Islam [Ibn Taymiyah] (may Allaah have mercy on him) said: “If a person does not fast in Ramadaan knowing that it is haraam but making it halaal for himself to do so, kill him; and if he does it because he is immoral [but believes it is haraam], then punish him for not fasting.” (Majmoo’ al-Fataawa, 25/265).
Etiquette and Sunnah of fasting
Some aspects are obligatory (waajib) and others are recommended (mustahabb).
We should make sure that we eat and drink something at suhoor, and that we delay it until just before the adhaan of Fajr. The Prophet (peace and blessings of Allaah be upon him) said: “Have suhoor, for in suhoor there is blessing (barakah).” (Reported by al-Bukhaari, Fath, 4/139). “Suhoor is blessed food, and it involves being different from the people of the Book. What a good suhoor for the believer is dates.” (Reported by Abu Dawood, no. 2345; Saheeh al-Targheeb, 1/448).
Not delaying iftaar, because the Prophet (peace and blessings of Allaah be upon him) said: “The people will be fine so long as they do not delay iftaar.” (Reported by al-Bukhaari, Fath, 4/198).
Breaking one's fast in the manner described in the hadeeth narrated by Anas (may Allaah be pleased with him): “The Prophet (peace and blessings of Allaah be upon him) used to break his fast with fresh dates before praying; if fresh dates were not available, he would eat (dried) dates; if dried dates were not available, he would have a few sips of water.” (Reported by al-Tirmidhi, 3/79 and others. He said it is a ghareeb hasan hadeeth. Classed as saheeh in al-Irwa’, no. 922).
After iftaar, reciting the words reported in the hadeeth narrated by Ibn ‘Umar (may Allaah be pleased with them both), according to which the Prophet (peace and blessings of Allaah be upon him), when he broke his fast, would say: “Dhahaba al-zama’, wa’btallat al-‘urooq, wa thabat al-ajru in sha Allaah (Thirst is gone, veins are flowing again, and the reward is certain, in sha Allaah).” (Reported by Abu Dawood, 2/765; its isnaad was classed as hasan by al-Daaraqutni, 2/185).
Keeping away from sin, because the Prophet (peace and blessings of Allaah be upon him) said: “When any of you is fasting, let him not commit sin…” (Reported by al-Bukhaari, al-Fath, no. 1904). The Prophet (peace and blessings of Allaah be upon him) said: “Whoever does not stop speaking falsehood and acting in accordance with it, Allaah has no need of him giving up his food and drink.” (Al-Bukhaari, al-Fath, no. 1903). The person who is fasting should avoid all kinds of haraam actions, such as backbiting, obscenity and lies, otherwise his reward may all be lost. The Prophet (peace and blessings of Allaah be upon him) said: “It may be that a fasting person gets nothing from his fast except hunger.” (Reported by Ibn Maajah, 1/539; Saheeh al-Targheeb, 1/453).
Among the things that can destroy one’s hasanaat (good deeds) and bring sayi’aat (bad deeds) is allowing oneself to be distracted by quiz-shows, soap operas, movies and sports matches, idle gatherings, hanging about in the streets with evil people and time-wasters, driving around for no purpose, and crowding the streets and sidewalks, so that the months of tahajjud, dhikr and worship, for many people, becomes the month of sleeping in the day so as to avoid feeling hungry, thus missing their prayers and the opportunity to pray them in congregation, then spending their nights in entertainment and indulging their desires. Some people even greet the month with feelings of annoyance, thinking only of the pleasures they will miss out on. In Ramadaan, some people travel to kaafir lands to enjoy a holiday! Even the mosques are not free from such evils as the appearance of women wearing makeup and perfume, and even the Sacred House of Allaah is not free of these ills. Some people make the month a season for begging, even though they are not in need. Some of them entertain themselves with dangerous fireworks and the like, and some of them waste their time in the markets, wandering around the shops, or sewing and following fashions. Some of them put new products and new styles in their stores during the last ten days of the month, to keep people away from earning rewards and hasanaat.
Not allowing oneself to be provoked, because the Prophet (peace and blessings of Allaah be upon him) said: “If someone fights him or insults him, he should say, ‘I am fasting, I am fasting.’” (Reported by al-Bukhaari and others. Al-Fath, no. 1894) One reason for this is to remind himself, and another reason is to remind his adversary. But anyone who looks at the conduct of many of those who fast will see something quite different. It is essential to exercise self-control and be calm, but we see the opposite among crazy drivers who speed up when they hear the adhaan for Maghrib.
(*) Not eating too much, because the Prophet (peace and blessings of Allaah be upon him) said: “The son of Adam fills no worse vessel than his stomach.” (Reported by al-Tirmidhi, no. 2380; he said, this is a hasan saheeh hadeeth). The wise person wants to eat to live, not live to eat. The best type of food is that which is there to be used, not that which is there to be served. But people indulge in making all kinds of food (during Ramadaan) and treating food preparation as a virtual art form, so that housewives and servants spend all their time on making food, and this keeps them away from worship, and people spend far more on food during Ramadaan than they do ordinarily. Thus the month becomes the month of indigestion, fatness and gastric illness, where people eat like gluttons and drink like thirsty camels, and when they get up to pray Taraaweeh, they do so reluctantly, and some of them leave after the first two rak’ahs.
(*) Being generous by sharing knowledge, giving money, using one’s position of authority or physical strength to help others, and having a good attitude. Al-Bukhaari and Muslim reported that Ibn ‘Abbaas (may Allaah be pleased with him) said: “The Messenger of Allaah (peace and blessings of Allaah be upon him) was the most generous of people [in doing good], and he was most generous of all in Ramadaan when Jibreel met with him, and he used to meet him every night in Ramadaan and teach him the Qur’aan. The Messenger of Allaah (peace and blessings of Allaah be upon him) was more generous in doing good than a blowing wind.” (Reported by al-Bukhaari, al-Fath, no. 6). How can people exchange generosity for stinginess and action for laziness, to the extent that they do not do their work properly and do not treat one another properly, and they use fasting as an excuse for all this.
Combining fasting with feeding the poor is one of the means of reaching Paradise, as the Prophet (peace and blessings of Allaah be upon him) said: “In Paradise there are rooms whose outside can be seen from the inside and the inside can be seen from the outside. Allaah has prepared them for those who feed the poor, who are gentle in speech, who fast regularly and who pray at night when people are asleep.” (Reported by Ahmad 5/343; Ibn Khuzaymah, no. 2137. Al-Albaani said in his footnote, its isnaad is hasan because of other corroborating reports). The Prophet (peace and blessings of Allaah be upon him) said: “Whoever gives food to a fasting person with which to break his fast, will have a reward equal to his, without it detracting in the slightest from the reward of the fasting person.” (Reported by al-Tirmidhi, 3/171; Saheeh al-Targheeb, 1/451). Shaykh al-Islam [Ibn Taymiyah] (may Allaah have mercy on him) said: “What is meant is that he should feed him until he is satisfied.” (Al-Ikhtiyaaraat al-Fiqhiyyah, p. 109).
A number of the Salaf (may Allaah have mercy on them) preferred the poor over themselves when feeding them at the time of iftaar. Among these were ‘Abd-Allaah ibn ‘Umar, Maalik ibn Deenaar, Ahmad ibn Hanbal and others. ‘Abd-Allaah ibn ‘Umar would not break his fast unless there were orphans and poor people with him.
The virtues of fasting
The virtues of fasting are great indeed, and one of the things reported in the saheeh ahaadeeth is that Allaah has chosen fasting for Himself, and He will reward it and multiply the reward without measure, as He says [in the hadeeth qudsi]: “Except for fasting which is only for My sake, and I will reward him for it.” (al-Bukhaari, al-Fath, no. 1904; Saheeh al-Targheeb, 1/407). Fasting has no equal (al-Nisaa'i, 4/165; Saheeh al-Targheeb, 1/413), and the du’aa’ of the fasting person will not be refused (reported by al-Bayhaqi, 3/345; al-Silsilat al-Saheeh, 1797). The fasting person has two moments of joy: one when he breaks his fast and one when he meets his Lord and rejoices over his fasting (reported by Muslim, 2/807). Fasting will intercede for a person on the Day of Judgement, and will say, “O Lord, I prevented him from his food and physical desires during the day, so let me intercede for him.” (Reported by Ahmad, 2/174. Al-Haythami classed its isnaad as hasan in al-Majma’, 3/181. See also Saheeh al-Targheeb, 1/411). The smell that comes from the mouth of a fasting person is better with Allaah than the scent of musk. (Muslim, 2/807). Fasting is a protection and a strong fortress that keeps a person safe from the Fire. (Reported by Ahmad, 2/402; Saheeh al-Targheeb, 1/411; Saheeh al-Jaami’, 3880). Whoever fasts one day for the sake of Allaah, Allaah will remove his face seventy years’ distance from the Fire. (Reported by Muslim, 2/808). Whoever fasts one day seeking the pleasure of Allaah, if that is the last day of his life, he will enter Paradise. (Reported by Ahmad, 5/391; Saheeh al-Targheeb, 1/412). In Paradise there is a gate called al-Rayyaan, through those who fast will enter, and no one will enter it except them; when they have entered it will be locked, and no-one else will enter through it.” (al-Bukhaari, Fath, no. 1797).
Ramadaan is a pillar of Islam; the Qur’aan was revealed in this month, and in it there is a night that is better than a thousand months. “When Ramadaan begins, the gates of Paradise are opened and the gates of Hell are closed, and the devils are put in chains.” (Reported by al-Bukhaari, al-Fath, no. 3277). Fasting Ramadaan is equivalent to fasting ten months (See Musnad Ahmad, 5/280; Saheeh al-Targheeb, 1/421). “Whoever fasts Ramadaan out of faith and with the hope of reward, all his previous sins will be forgiven.” (Reported by al-Bukhaari, Fath, no. 37). At the breaking of every fast, Allaah will choose people to free from Hellfire. (Reported by Ahmad, 5/256; Saheeh al-Targheeb, 1/419). Sheikh Muhammed Salih Al-Munajjid (Saudi Arabia)
http://www.islam-qa.com/en/ref/books/8#Ruling%20on%20fasting
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The second banner of PTI (ABOVE) says "Allah's Order" & "People's Government" (NO SUCH THING IN ISLAM CALLED "PEOPLE'S GOVERNMENT - IT IS HARAM)
Secular Democratic - Anglo Saxon system and Islam are two different systems and instead of perverting both [i mean mixing it] one must choose between either one of them.
If those who are living in West and enjoying Lucrative Jobs in Purely Infidel Setup and that too an Infidel Military Setup, and also have "ITCH" for Islam then Quran and Hadith should be ultimate for them. They should go back to their Islamic "Home Country" and start living in Muslim Society and should sacrifice Green Bucks and Social Security.
Those who want to observe Islam, Veil and Islamic Culture should come back and live in Afghanistan and Northern Areas of Pakistan.
إِنَّ الَّذِينَ تَوَفَّاهُمُ الْمَلآئِكَةُ ظَالِمِي أَنْفُسِهِمْ قَالُواْ فِيمَ كُنتُمْ قَالُواْ كُنَّا مُسْتَضْعَفِينَ فِي الأَرْضِ قَالْوَاْ أَلَمْ تَكُنْ أَرْضُ اللّهِ وَاسِعَةً فَتُهَاجِرُواْ فِيهَا فَأُوْلَـئِكَ مَأْوَاهُمْ جَهَنَّمُ وَسَاءتْ مَصِيرًا
Lo! as for those whom the angels take (in death) while they wrong themselves, (the angels) will ask: In what were ye engaged? They will say: We were oppressed in the land. (The angels) will say: Was not Allah's earth spacious that ye could have migrated therein? As for such, their habitation will be hell, an evil journey's end; [AN-NISA (WOMEN) Chapter 4 Verse 97]
Prophet Mohammad (peace and blessings of Allaah be upon him) said: “I disown every Muslim who settles among the mushrikeen.” [Sunnan Abu Dawood]
It is obligatory to migrate from the kaafir lands to the Muslim lands for those who are able to do that, if they are unable to practise their religion openly.
Ibn al-‘Arabi al-Maaliki said: Hijrah (migration) means leaving dar al-harb [non-Muslim lands] and going to dar al-islam [Muslim lands]. This was obligatory at the time of the Prophet (peace and blessings of Allaah be upon him) and remains so after his time for those who fear for their lives. From Nayl al-Awtaar, 8/33, by al-Shawkaani.
Al-Haafiz Ibn Hajar said concerning the hadeeth, “I disown every Muslim who settles among the mushrikeen”:
This is to be understood as referring to those who are not safe to practise their religion there. Fath al-Baari
Only Following is allowed [if you talk of Islam, Quran and Hadith]:
وَلَا تُجَادِلُوا أَهْلَ الْكِتَابِ إِلَّا بِالَّتِي هِيَ أَحْسَنُ إِلَّا الَّذِينَ ظَلَمُوا مِنْهُمْ وَقُولُوا آمَنَّا بِالَّذِي أُنزِلَ إِلَيْنَا وَأُنزِلَ إِلَيْكُمْ وَإِلَهُنَا وَإِلَهُكُمْ وَاحِدٌ وَنَحْنُ لَهُ مُسْلِمُونَ
And argue not with the People of the Scripture unless it be in (a way) that is better, save with such of them as do wrong; and say: We believe in that which hath been revealed unto us and revealed unto you; our Allah and your Allah is One, and unto Him we surrender. [AL-ANKABOOT (THE SPIDER) Chapter 29 - Verse 46]
وَإِنْ أَحَدٌ مِّنَ الْمُشْرِكِينَ اسْتَجَارَكَ فَأَجِرْهُ حَتَّى يَسْمَعَ كَلاَمَ اللّهِ ثُمَّ أَبْلِغْهُ مَأْمَنَهُ ذَلِكَ بِأَنَّهُمْ قَوْمٌ لاَّ يَعْلَمُونَ
And if anyone of the idolaters seeketh thy protection (O Muhammad), then protect him so that he may hear the Word of Allah, and afterward convey him to his place of safety. That is because they are a folk who know not. [AL-TAWBA (REPENTANCE, DISPENSATION) Chapter 9 - Verse 6]
لَا يَنْهَاكُمُ اللَّهُ عَنِ الَّذِينَ لَمْ يُقَاتِلُوكُمْ فِي الدِّينِ وَلَمْ يُخْرِجُوكُم مِّن دِيَارِكُمْ أَن تَبَرُّوهُمْ وَتُقْسِطُوا إِلَيْهِمْ إِنَّ اللَّهَ يُحِبُّ الْمُقْسِطِينَ
Allah forbiddeth you not those who warred not against you on account of religion and drove you not out from your homes, that ye should show them kindness and deal justly with them. Lo! Allah loveth the just dealers. [AL-MUMTAHINA (SHE THAT IS TO BE EXAMINED, EXAMINING HER) Chapter 60 - Verse 8]
If one want to live in the West then follow their Law and don't complain about Prohibition of Veil, dont raise hue and cry when someone amongst them use 'Freedom of Expression' to practice Homosexuality and Lesbianism openly [what do you think when an underage or even adult Muslim male or female watch these acts of Hedonism? Wont this effect him or her? Forbidden as per Quran to even go near to those things which lead to Adultery].
وَلاَ تَقْرَبُواْ الزِّنَى إِنَّهُ كَانَ فَاحِشَةً وَسَاء سَبِيلاً
And come not near unto adultery. Lo! it is an abomination and an evil way.[AL-ISRA (ISRA', THENIGHT JOURNEY, CHILDREN OF ISRAEL) Chapter 17 Verse 32]
Even watching these things gives you wrong ideas?
What about your Tax Money through which USA and other NATO Countries financing War On Terror and bombing Innocent Muslims? Forbidden in Quran to help Combatant Non-Muslims in any way. What do you think your Tax Money does? Undoubtedly the Prophet (peace and blessings of Allaah be upon him) did not compromise in matters of his religion. When he was in Makkah, before the Hijrah, he used to pray openly, whilst they were looking on. After the Muslims became a distinct community, a specific style of dress was ordained for them, and they commanded to forsake anything else that was a symbol of kufr and was distinctive to the kuffaar, because this is imitation, and whoever imitates a people is one of them.
How can the believer be content to live in the land of the Non Muslims where the rituals of kufr [Disbelief] are proclaimed openly and rule belongs to someone other than Allaah and His Messenger, seeing that with his own eyes, hearing that with his own ears and approving of it, and even starting to feel that he belongs there and living there with his wife and children, and feeling as comfortable there as he does in the Muslim lands, even though he and his wife and children are in such great danger and their religious commitment and morals are in such peril?
AS PER PURE ISLAMIC LAW [FOR WHICH THIS UMMAH IS ITCHING] and since these don't exist in the West and that is why those who condemn Secular-Anglo-Saxon Western Democarcies should come back to 'Islamic Countires'. Following are the salient feature of the Secular Democracies through which Islamic Political Activists Type of Muslims e.g. Imran Khan and those who belonged to Jamat-e-Islami and Ikwan but settled in the West, reap all the benefits and then shamelessly raise finger against the same system.
"QUOTE"
A- Foreign Exchange:
1 – Dealing in buying and selling for the purpose of profit, and this dealing is usually done in major currencies or financial certificates (shares and bonds) or some types of products, and it may include trade in options, futures and the indexes of major markets.
2 – Loans, which refers to the money given by the agent to the customer directly if the agent is a bank, or via a third party if the agent is not a bank.
3 – Riba, which occurs in this transaction in the form of fees for delaying the deal. This is interest that is charged to the purchaser if he does not make a decision on the same day, and which may be a percentage of the loan or a set amount.
4 – Commission, which is the money that the agent gets as a result of the investor’s (customer’s) dealing through him, and it is an agreed-upon percentage of the value of the sale or purchase.
5 – The pledge, which is a commitment signed by the customer agreeing to leave the contract with the agent as a pledge for a loan, giving him the right to sell these contracts and take back the loan if the customer’s losses reach a specific percentage of the margin, unless the customer increases the pledge in order to compensate for a drop in the price of the product.
Firstly: It involves obvious riba, which is represented by the addition to the amount of the loan which is called “paying fees for delaying the deal”. This is a kind of haraam riba. Allaah says (interpretation of the meaning):
“O you who believe! Fear Allaah and give up what remains (due to you) from Ribaa (from now onward) if you are (really) believers. 279. And if you do not do it, then take a notice of war from Allaah and His Messenger but if you repent, you shall have your capital sums. Deal not unjustly (by asking more than your capital sums), and you shall not be dealt with unjustly (by receiving less than your capital sums)” [al-Baqarah 2:278-279]
Secondly: The agent stipulates that the customer must deal through him, which leads to combining both giving a loan for something in return and paying commission, which is akin to combining giving a loan and selling at the same time, which is forbidden in sharee’ah because the Messenger (peace and blessings of Allaah be upon him) said: “It is not permissible to give a loan and sell at the same time…” The hadeeth was narrated by Abu Dawood (3/384) and al-Tirmidhi (3/526), who said it is a hasan saheeh hadeeth. In this case he has benefited from his loan, and the fuqaha’ are unanimously agreed that every loan that brings a benefit is haraam riba.
Thirdly: Dealings that are done in this manner in the global markets usually involve many contracts that are haraam according to sharee’ah, such as:
1- Dealing in bonds, which comes under the heading of riba which is haraam. This was stated in a resolution of the Islamic Fiqh Council in Jeddah, no. 60, in its sixth session.
2- Dealing indiscriminately in company shares. The fourth statement of the Islamic Fiqh Council of the Muslim World League in its fourteenth session in 1415 AH stated that it is haraam to deal in the shares of companies whose main purposes are haraam, or some of their dealings involve riba.
3- Selling currencies is usually done without the hand to hand exchange which makes them permissible according to sharee’ah.
4- Dealing in options and futures. A resolution of the Islamic Fiqh Council in Jeddah no. (63), in its sixth session, stated that options are not permissible according to sharee’ah, because the object of dealing in these contracts is not money or services or a financial obligation which it is permissible to exchange. The same applies to futures and trading in indexes.
5- In some cases the agent is selling something that he does not possess, and selling what one does not possess is forbidden in sharee’ah.
B- Establishing Insurance
1) All kinds of commercial insurance are clearly and undoubtedly ribaa (interest/usury). Insurance is the sale of money for money, of a greater or lesser amount, with a delay in one of the payments. It involves riba al-fadl (interest-based transaction) and riba al-nas’ (interest to be charged if payment is delayed beyond the due date), because the insurance companies take people’s money and promise to pay them more or less money when a specific accident against which insurance has been taken out happens. This is riba, and riba is forbidden in the Qur’aan, in many aayaat.
2) All kinds of commercial insurance are based on nothing but gambling which is haraam according to the Qur’aan:
“O you who believe! Intoxicants (all kinds of alcoholic drinks), and gambling, and Al-Ansaab (stone altars for sacrifice to idols etc.) and Al-Azlaam (arrows for seeking luck or decision) are an abomination of Shaytaan’s (Satan’s) handiwork. So avoid (strictly all) that (abomination) in order that you may be successful” (al-Maa’idah 5:90 – interpretation of the meaning).
All kinds of insurance are kinds of playing with chances. They tell you, Pay this much money, then if this happens to you we will give you this much. This is pure gambling. Insisting on differentiating between insurance and gambling is pure stubbornness that is unacceptable to any sound mind. The insurance companies themselves admit that insurance is gambling.
3) All kinds of insurance are forms of uncertainty, and transactions which involve uncertainty are forbidden according to many saheeh ahaadeeth, such as the hadeeth narrated by Abu Hurayrah (may Allaah be pleased with him):
“The Messenger of Allaah (peace and blessings of Allaah be upon him) forbade transactions determined by throwing a stone and transactions which involved some uncertainty.” (Narrated by Muslim).
[“Transactions determined by throwing a stone” – this was a type of transaction that was prevalent in the markets of pre-Islamic Arabia, whereby a stone was thrown by either the buyer or the seller, and whatever it touched, its transaction became binding. “Transactions which involved some uncertainty” – is a transaction in which there is no guarantee that the seller can deliver the goods for which he receives payment. Footnotes from the translation of Saheeh Muslim. (Translator)].
All forms of commercial insurance are based on uncertainty of the most extreme kind. Insurance companies and those who sell insurance refuse to insure cases except where there is clear uncertainty in whether or not the condition being insured against will happen or not. In other words, the condition being insured against must have a possibility of happening or not happening (as opposed to, for example, someone who has a pre-existing condition, such as a person who is on death row applying for life insurance--translator.) Moreover, this transaction involves something uncertain, which is when an accident will happen and the extent of the damage caused. Hence insurance combines three kinds of extreme uncertainty.
4) All kinds of commercial insurance consume people’s wealth unjustly, which is haraam according to the Qur’aan:
“O you who believe! Eat not up your property among yourselves unjustly” (al-Nisaa’ 4:29 – interpretation of the meaning).
All forms of commercial insurance are fraudulent transactions aimed at consuming people’s wealth unjustly. The precise statistics calculated by one of the German experts state that what people get back of what has been taken from them is no more than 2.9%.
Insurance is an immense loss for the nation, and there is no evidence or excuse to be found in the actions of the kuffaar who have lost the ties of kinship and friendship and are therefore forced to resort to insurance, which they hate as much as they hate death.
These are only some of the violations of sharee’ah which insurance is essentially based upon. There are numerous other violations which we do not have room to mention here, and there is no need to do so, because just one of the violations which we have mentioned above is sufficient to make insurance one of the things which is most prohibited in the sharee’ah of Allaah.
It is a shame that some people are deceived by the ways in which the insurance companies make insurance attractive and confuse them by calling it “co-operative” or “mutual support” or “Islamic”, or other names which do not change the unjust nature of insurance in the slightest.
The insurance companies’ claim that the ‘ulamaa’ have issued fatwaas stating that so-called “co-operative insurance” is halaal, is a lie. The reason for this confusion is that some insurance companies approached the ‘ulamaa’ with a deceitful set-up which has nothing to do with any kind of insurance, but they said that it was a kind of insurance which they called “co-operative insurance” (to make it sound attractive and to confuse the people). They said that it was purely in the nature of a donation, and that it was a kind of the co-operation enjoined by Allaah in the aayah (interpretation of the meaning): “Help you one another in Al-Birr and At-Taqwa (virtue, righteousness and piety)…” (al-Maa’idah 5:2), and that the aim was to co-operate in alleviating the overwhelming disasters that may befall people. But in fact what they called co-operative insurance was just like any other kind of insurance; the only difference was in the way in which it was set up, not in its essential nature. It was far from being any kind of simple donation or co-operation in righteousness and piety; in fact it is a kind of co-operation in sin and transgression. It was not aimed at helping to relieve the distress of calamities, but at depriving people of their wealth by unjust means, which is absolutely haraam, as are other kinds of insurance. Hence what they proposed to the ‘ulamaa’ is not even insurance at all.
With regard to the claim made by some, that part of the premium (money paid to the insurer) is returned, this does not change anything and does not free insurance from the taint of ribaa, gambling, transactions based on uncertainty, unjust consumption of people’s wealth and going against the principle of trusting in Allaah (tawakkul), and other kinds of haraam actions. Insurance is deceit and confusion. Anyone who wishes to learn more should refer to the essay al-Ta’meen wa Ahkaamuhu (Insurance and its rulings). I call on every Muslim who has pride in his religion and whose hopes are focused on Allaah and the Last Day to fear Allaah and to avoid all kinds of insurance, no matter how attractive their proponents make them, for they are undoubtedly forbidden. In this manner he will protect his religion and his wealth, and he will be blessed with security from the Owner of security, may He be exalted.
3- Banking
Riba is emphatically forbidden in Islam. Allaah has condemned the one who does that and has declared war on him, and spoken of his bad end on the Day of Resurrection. Allaah says (interpretation of the meaning):
“Those who eat Ribaa will not stand (on the Day of Resurrection) except like the standing of a person beaten by Shaytaan (Satan) leading him to insanity. That is because they say: ‘Trading is only like Ribaa,’ whereas Allaah has permitted trading and forbidden Ribaa. So whosoever receives an admonition from his Lord and stops eating Ribaa, shall not be punished for the past; his case is for Allaah (to judge); but whoever returns (to Ribaa), such are the dwellers of the Fire — they will abide therein.
Allaah will destroy Ribaa and will give increase for Sadaqaat (deeds of charity, alms). And Allaah likes not the disbelievers, sinners”
[al-Baqarah 2:275, 276]
“O you who believe! Fear Allaah and give up what remains (due to you) from Ribaa (from now onward) if you are (really) believers.
And if you do not do it, then take a notice of war from Allaah and His Messenger but if you repent, you shall have your capital sums. Deal not unjustly (by asking more than your capital sums), and you shall not be dealt with unjustly (by receiving less than your capital sums)”
[al-Baraqah 2:278, 279]
The Prophet (peace and blessings of Allaah be upon him) cursed the one who consumes riba, the one who pays it, the one who writes it down and the two who witness it, and he said, “They are all the same.” Narrated by Muslim, 1598, from the hadeeth of Jaabir (may Allaah be pleased with him).
And he (peace and blessings of Allaah be upon him) said: “A dirham of riba consumed knowingly by a man is worse before Allaah than committing zina thirty-six times.” Narrated by Ahmad and al-Tabaraani, classed as saheeh by al-Albaani in Saheeh al-Jaami’, no. 3375.
And there are other texts which point to the enormity and abhorrent nature of this crime.
The Islamic financial system does not approve of any transaction that includes riba, rather the sharee’ah forbids certain transactions so as to prevent the means that lead to riba.
Secondly:
The banks that exist nowadays are all riba based banks, with a few rare exceptions. Just because a bank is located in a Muslim country does not mean that it is an Islamic bank. Most of these banks are connected to Jewish and Crusader banks overseas. It is most regrettable that in the Muslim lands which are home to more than a billion Muslims there is no Islamic bank that is free from riba, apart from a few institutions.
So the decision makers among the Muslims have to pay due attention to this matter and establish an independent Islamic banking system. There are scholars and people who are able to work in this field, and there is a great deal of capital, praise be to Allaah.
Thirdly:
The true Islamic financial system is a system that is free of riba, because it is a system that is derived from the Book of Allaah and the Sunnah of His Messenger (peace and blessings of Allaah be upon him). Your saying in your question that you have noticed riba in financial transactions in theIslamic banks needs further explanation. Perhaps you think that some of these transactions involve riba when they do not.
We ask Allaah to set the Muslims’ affairs straight and to help those in authority to do what is right and proper. Praise be to Allaah, the Lord of the Worlds.
4- Adult Franchise and Voting Power:
Democracy is a man-made system, meaning rule by the people for the people. Thus it is contrary to Islam, because rule is for Allaah, the Most High, the Almighty, and it is not permissible to give legislative rights to any human being, no matter who he is.
Undoubtedly the democratic system is one of the modern forms of shirk, in terms of obedience and following, or legislation, as it denies the sovereignty of the Creator and His absolute right to issue laws, and ascribes that right to human beings. Allaah says (interpretation of the meaning):
“You do not worship besides Him but only names which you have named (forged) — you and your fathers — for which Allaah has sent down no authority. The command (or the judgement) is for none but Allaah. He has commanded that you worship none but Him (i.e. His Monotheism); that is the (true) straight religion, but most men know not” [Yoosuf 12:40]
“The decision is only for Allaah” [al-An’aam 6:57]
Secondly:
The one who understands the true nature of the democratic system and the ruling thereon, then he nominates himself or someone else (for election) is approving of this system, and is working with it, is in grave danger, because the democratic system is contrary to Islam and approving of it and participating in it are actions that imply apostasy and being beyond the pale of Islam.
It is not permissible for a Muslim to nominate himself in the hope that he can become part of a system which rules according to something other than that which Allaah has revealed and operates according to something other than the sharee’ah of Islam. It is not permissible for a Muslim to vote for him or for anyone else who will work in that government, unless the one who nominates himself or those who vote for him hope that by getting involved in that they will be able to change the system to one that operates according to the sharee’ah of Islam, and they are using this as a means to overcome the system of government, provided that the one who nominates himself will not accept any position after being elected except one that does not go against Islamic sharee’ah. End quote.
The Muslims in a country that is not governed according to Islamic sharee’ah should do their utmost and strive as much as they can to bring about rule according to Islamic sharee’ah, and they should unite in helping the party which is known will rule in accordance with Islamic sharee’ah. As for supporting one who calls for non-implementation of Islamic sharee’ah, that is not permissible, rather it may lead a person to kufr, because Allaah says (interpretation of the meaning):
“And so judge (you O Muhammad صلى الله عليه وسلم) among them by what Allaah has revealed and follow not their vain desires, but beware of them lest they turn you (O Muhammad صلى الله عليه وسلم) far away from some of that which Allaah has sent down to you. And if they turn away, then know that Allaah’s Will is to punish them for some sins of theirs. And truly, most of men are Faasiqoon (rebellious and disobedient to Allaah).
50. Do they then seek the judgement of (the days of) Ignorance? And who is better in judgement than Allaah for a people who have firm Faith”
[al-Maa'idah 5:49-50].
Hence when Allaah stated that those who do not rule in accordance with Islamic sharee’ah are guilty of kufr, He warned against helping them or taking them as allies or close friends, and He commanded the believers to fear Him if they were truly believers. He says (interpretation of the meaning):
“O you who believe! Take not as Awliyaa’ (protectors and helpers) those who take your religion as a mockery and fun from among those who received the Scripture (Jews and Christians) before you, and nor from among the disbelievers; and fear Allaah if you indeed are true believers”
[al-Maa’idah 5:57]
And Allaah is the Source of strength. May Allaah send blessings and peace upon our Prophet Muhammad and his family and companions. End quote.
"UNQUOTE"
