New Age Islam
Sun Apr 11 2021, 03:15 PM

Islam and Pluralism ( 29 Jan 2009, NewAgeIslam.Com)

Comment | Comment

Darul Harb versus Darul Aman: Can Pakistan or Saudi Arabia be considered a Land of peace for Muslims?

Sultan Shahin, editor, New Age Islam


Pakistani blogger Mr.

Aamir Mughal has raised a very important issue in a comment posted in relation to the article below:

Demolish Kafir/ Mushrik/ Munafiq-Manufacturing Factories, Says Sultan Shahin, Defending New Age Islam against Talibani Onslaught,-rethinking-islam/demolish-kafir/-mushrik/-munafiq-manufacturing-factories,-says-sultan-shahin,-defending-new-age-islam-against-talibani-onslaught/d/1143

which needs to be debated threadbare- that of Darul Harb and Darul Aman. I live in India. Suppose I were to consider it a Darul Hrab - which of course, I don’t - on the basis of the mere fact of it being a non-Muslim majority country - though it would appear that only so-called Darul Harbs are Darul Amans, lands of peace, in today's world - which Darul Aman, a Muslim country, would accept me as a full-fledged citizen, that India accepts me as? Pakistan will not even give me a visit visa, perhaps, unless I give it a host of false and forged documents. Saudi Arabia and all other countries, I can live and work there, if I find a job, for hundreds of years, but I would never get any citizenship rights. Only countries that I can think of which can give me full citizenship rights as India does would be countries of the West, like the UK,  USA, Canada, Australia, other European countries. It won't be easy but it is doable. However, according to Mr. Aamir Mughal's definition, these are all Darul-Harbs, so what would be the point of shifting from one Darul Harb to another? What kind of Islam and what kind of Darul Harbs and Darul Amans are you talking about Mr. Aamir Mughal? Do you consider Pakistan a Darul Aman for Muslims, where Muslims are killed routinely during prayers in mosques, and where even the Muslims for whom this country was created do not get even visit visas?





Aamir Mughal



The Post may please be read in the context of the Deviant Ideologies of Political Islamists Type of Muslims living in Anglo Saxon Based Secular Democratic Countrres of the West:


Democracy: meaning rule by the people for the people not as per Islam through Quran and Sunnah.


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: 


Those whom ye worship beside Him are but names which ye have named, ye and your fathers. Allah hath revealed no sanction for them. The decision rests with Allah only, Who hath commanded you that ye worship none save Him. This is the right religion, but most men know not. [YUSUF (JOSEPH) Chapter 12 - Verse 40]


The decision is for Allah only. [AL-ANAAM (CATTLE, LIVESTOCK) Chapter 6 Verse 57]


So judge between them by that which Allah hath revealed, and follow not their desires, but beware of them lest they seduce thee from some part of that which Allah hath revealed unto thee. And if they turn away, then know that Allah's Will is to smite them for some sin of theirs. Lo! many of mankind are evil-livers. Is it a judgment of the time of (pagan) ignorance that they are seeking? Who is better than Allah for judgment to a people who have certainty (in their belief)? [AL-MAEDA (THE TABLE, THE TABLE SPREAD) Chapter 5 - Verse 49 and 50]


In one of his post in another thread of New Age Islam, Mr Bashir Syed has declared that he is a Mohajir in America [Immigrant in USA]. If he is so concerned about Muslims and Islam then he should follow Quran and Hadith and return back to Pakistan. Please review your stance as per Quran and Hadith [which all Muslim claim to follow and exploit] regarding Living in a Non Muslim Country. Those who want to observe Islam, Veil and Islamic Culture should come back and live in Afghanistan and Northern Areas of Pakistan.


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 [Polytheists].” [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


For example:


If you 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].


And come not near unto adultery. Lo! it is an abomination and an evil way.[AL-ISRA (ISRA', THE NIGHT 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 theses 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. Mr Bashir Syed 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.


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. 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  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:


“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.


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, 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’.


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.




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.




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).


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]




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. 


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 ) among them by what Allaah has revealed and follow not their vain desires, but beware of them lest they turn you (O Muhammad)  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).


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]