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buzz-london · 7 months

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My take on the Israel vs Palestine war

History can be read in many ways. History is used to create a narrative that supports or denies your world view. History is not always the history we learn - it is a complex mix of 'my world view' vs 'your world view'.

History of Israel is complex and complicated. It has been invaded many times by many people. Its people have been exiled many times and many times they have tried to return to their homeland. The Jews have been persecuted across the western world by christian and islamic countries for several centuries.

Though they share the same God, they share the same foundational scripture, for centuries, they punished them for not converting to christianity / islam. Of all religious communities in the world, Jewish have probably suffered the most for trying to keep their faith alive. Even now, they suffer attacks on a regular basis for their faith in various parts of the world - including the middle east, Europe and UK!

The only country that has never persecuted the Jews is India. In Kerala, they found refuge unlike any other and have survived for over 2500 years! Only when the portugese and arabs came, did they suffer discrimination and retreated to the Hindu kingdoms of the south.

One thing is certain in history. Wars are brutal and unpredictable. To the victor goes the spoils of war - and land! This has been true, no matter where you are. From Japan to Alaska, Russia to the Cape, when you lose a war, you lose your land.

In WWI, Ottoman empire fought the British and lost. Palestine became British. In WWII, palestinians supported the Nazi and as we know, they lost the war. After WWII, the UN created 'Israel' for the Jews and Palestinians to live in - together - as one nation.

Palestinians refused to live in peace with the jews and wanted to drive them out. Within weeks of being created, there was a civil war, later joined by neighbouring countries and the Jews, against all odd, won.

There have been 6 major and several minor wars between Israel and its Palestinian co-inhabitants and several neighbour. Israel has won most of them. Some were stalemates.

As with all wars, victor gets to keep the land he won. That is the eternal law of war. If you dont want to lose land, don't fight! Palestinians keep fighting, keep losing land and still keep fighting! What are they expecting? For the land to be returned to them after they lose the war? That's not how wars work!

If Israel had lost the war, do you think Palestine would have let them keep a single jewish person in their territory? Are there any Jews living in the West Bank or Gaza? Would their neighbours allow them to live?

18-20% of Israeli citizens are muslims. They are living in peace in Israel and have all the benefits of citizenship. None of these muslim israelis want to go settle in the west-bank or gaza!

Israel does not want to destroy the palestinan people. But palestinians want to drive the jews into the sea. They dont want them to live - period! Its not me saying it, its the Hamas charter and part of their manifesto. PLO is equally entrenched on its views and wants to destroy israel.

As subjective as history is, there are facts that define history. Facts can't be overlooked if you wish to analyse history.

Facts are - Israel is happy to live in peace with Palestine. Palestine does not wish Israel to exist!

Despite receiving billions in financial aid from the Middle east, EU, USA etc, Palestinians are poor! Their leaders, chosen by them, squander that wealth on buying rockets rather than medicines for their people. They fire those rockets from homes and hospitals, which forces israel to retaliate and destroy the meagre infrastructure that exists in the west-bank and gaza. If they stopped firing the rockets, israel would have no need to retaliate. The victim cant be blamed for defending himself.

If the palestinian leadership really loved their people, they would use the money they get from the world to create houses, hospitals, industry within west-bank and gaza. They have the money to make a comfortable life for ALL their citizens. But, instead of using this money to make life comfortable, they make it miserable by constantly fighting with israel.

Palestinians have a choice - to live in peace or perpetual-war. Their choice dictates the response from Israel.

This is my reading of the region's extensive history and the current situation. Your reading of it can be totally different. I am happy to hear and learn from everyone. I just request everyone to understand the situation from ALL angles before making up their mind.

Click on the link to see what wars they have fought and how they fought. Israel survives on a knife edge because its neighbours do not wish it to live at all.

#israel #war #history

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marketinsight1234 · 2 months

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Salmon Fish Market: Global Industry Analysis and Forecast 2023 – 2030

Salmon Fish Market Size Was Valued at USD 16.16 Billion in 2022, and is Projected to Reach USD 31.50 Billion by 2030, Growing at a CAGR of 8.7% From 2023-2030.

Salmon is an oily fish variety belonging to the salmonoid family. Salmon fish is highly rich in protein and provides essential nutrients required for a human body, thus, is considered as functional foods and major driver for salmon fish market.

Various health benefits such as lowering of blood pressure, improving the cells function, calming inflammation and reducing the risk of cancer are the key factors that are most likely to boost the market growth salmon fish globally. The rising consumer inclination from carb-based and high-calorie food products towards protein-rich alternatives helps to boost the market growth.

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Leading players involved in the Salmon Fish Market include:

Trident Seafoods Corporation (USA), Ocean Beauty Seafoods (USA), Clearwater Seafoods Inc. (Canada), Smoked Salmon Processors Association (Canada), Cooke Aquaculture Inc. (Canada), Ocean Wise (Canada), Mowi ASA (Norway), Leroy Seafood AS (Norway), Akvafarmøy AS (Norway), Marine Harvest ASA (Norway), Grieg Seafood ASA (Norway), SalMar ASA (Norway)

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Segmentation of Salmon Fish Market:

By Type

Chinook Salmon

Coho Salmon

Pink Salmon

Red Salmon

Silverbrite Salmon

Salmo Salar

By End Product Type

Fresh

Frozen

Canned

By Distribution Channel

Retail Stores

Supermarkets/ Hypermarkets

Online Sales Channel

By Regions

North America (US, Canada, Mexico)

Eastern Europe (Bulgaria, The Czech Republic, Hungary, Poland, Romania, Rest of Eastern Europe)

Western Europe (Germany, UK, France, Netherlands, Italy, Russia, Spain, Rest of Western Europe)

Asia Pacific (China, India, Japan, South Korea, Malaysia, Thailand, Vietnam, The Philippines, Australia, New Zealand, Rest of APAC)

Middle East & Africa (Turkey, Bahrain, Kuwait, Saudi Arabia, Qatar, UAE, Israel, South Africa)

South America (Brazil, Argentina, Rest of SA)

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#Salmon Fish #Salmon Fish Market #Salmon Fish Market Size #Salmon Fish Market Share #Salmon Fish Market Growth #Salmon Fish Market Trend #Salmon Fish Market segment #Salmon Fish Market Opportunity #Salmon Fish Market Analysis 2023

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squashoffer3 · 5 years

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Globally, one in five deaths are associated with poor diet

People in almost every region of the world could benefit from rebalancing their diets to eat optimal amounts of various foods and nutrients, according to the Global Burden of Disease study tracking trends in consumption of 15 dietary factors from 1990 to 2017 in 195 countries, published in The Lancet.

The study estimates that one in five deaths globally -- equivalent to 11 million deaths -- are associated with poor diet, and diet contributes to a range of chronic diseases in people around the world. In 2017, more deaths were caused by diets with too low amounts of foods such as whole grains, fruit, nuts and seeds than by diets with high levels of foods like trans fats, sugary drinks, and high levels of red and processed meats.

The authors say that their findings highlight the urgent need for coordinated global efforts to improve diet, through collaboration with various sections of the food system and policies that drive balanced diets.

"This study affirms what many have thought for several years -- that poor diet is responsible for more deaths than any other risk factor in the world," says study author Dr Christopher Murray, Director of the Institute for Health Metrics and Evaluation, University of Washington, USA. "While sodium, sugar, and fat have been the focus of policy debates over the past two decades, our assessment suggests the leading dietary risk factors are high intake of sodium, or low intake of healthy foods, such as whole grains, fruit, nuts and seeds, and vegetables. The paper also highlights the need for comprehensive interventions to promote the production, distribution, and consumption of healthy foods across all nations."

Impact of diet on non-communicable diseases and mortality

The study evaluated the consumption of major foods and nutrients across 195 countries and quantified the impact of poor diets on death and disease from non-communicable diseases (specifically cancers, cardiovascular diseases, and diabetes). It tracked trends between 1990 and 2017.

Previously, population level assessment of the health effects of suboptimal diet has not been possible because of the complexities of characterising dietary consumption across different nations. The new study combines and analyses data from epidemiological studies -- in the absence of long-term randomised trials which are not always feasible in nutrition -- to identify associations between dietary factors and non-communicable diseases.

The study looked at 15 dietary elements -- diets low in fruits, vegetables, legumes, whole grains, nuts and seeds, milk, fibre, calcium, seafood omega-3 fatty acids, polyunsaturated fats, and diets high in red meat, processed meat, sugar-sweetened beverages, trans fatty acids, and sodium. The authors note that there were varying levels of data available for each dietary factor, which increases the statistical uncertainty of these estimates -- for example, while data on how many people ate most dietary factors was available for almost all countries (95%), data for the sodium estimates was only available for around one in four countries.

Overall in 2017, an estimated 11 million deaths were attributable to poor diet. Diets high in sodium, low in whole grains, and low in fruit together accounted for more than half of all diet-related deaths globally in 2017.

The causes of these deaths included 10 million deaths from cardiovascular disease, 913,000 cancer deaths, and almost 339,000 deaths from type 2 diabetes. Deaths related to diet have increased from 8 million in 1990, largely due to increases in the population and population aging.

Global trends in consumption

The authors found that intakes of all 15 dietary elements were suboptimal for almost every region of the world -- no region ate the optimal amount of all 15 dietary factors, and not one dietary factor was eaten in the right amounts by all 21 regions of the world.

Some regions did manage to eat some dietary elements in the right amounts. For example, intake of vegetables was optimal in central Asia, as was seafood omega-3 fatty acids intake in high-income Asia Pacific, and legume intake in the Caribbean, tropical Latin America, south Asia, western sub-Saharan Africa, and eastern sub-Saharan Africa.

The largest shortfalls in optimal intake were seen for nuts and seeds, milk, whole grains, and the largest excesses were seen for sugar sweetened beverages, processed meat and sodium. On average, the world only ate 12% of the recommended amount of nuts and seeds (around 3g average intake per day, compared with 21g recommended per day), and drank around ten times the recommended amount of sugar sweetened beverages (49g average intake, compared with 3g recommended).

In addition, the global diet included 16% of the recommended amount of milk (71g average intake per day, compared with 435g recommended per day), about a quarter (23%) of the recommended amount of whole grains (29g average intake per day, compared with 125g recommended per day), almost double (90% more) the recommended range of processed meat (around 4g average intake per day, compared with 2g recommended per day), and 86% more sodium (around 6g average intake per day, compared with 24 h urinary sodium 3g per day).

Regional variations

Regionally, high sodium intake (above 3g per day) was the leading dietary risk for death and disease in China, Japan, and Thailand. Low intake of whole grains (below 125g per day) was the leading dietary risk factor for death and disease in the USA, India, Brazil, Pakistan, Nigeria, Russia, Egypt, Germany, Iran, and Turkey. In Bangladesh, low intake of fruits (below 250g per day) was the leading dietary risk, and, in Mexico, low intake of nuts and seeds (below 21g per day) ranked first. High consumption of red meat (above 23g per day), processed meat (above 2g per day), trans fat (above 0.5% total daily energy), and sugar-sweetened beverages (above 3g per day) were towards the bottom in ranking of dietary risks for death and disease for highly populated countries.

In 2017, there was a ten-fold difference between the country with the highest rate of diet-related deaths (Uzbekistan) and the country with the lowest (Israel). The countries with the lowest rates of diet-related deaths were Israel (89 deaths per 100,000 people), France, Spain, Japan, and Andorra. The UK ranked 23rd (127 deaths per 100,000) above Ireland (24th) and Sweden (25th), and the United States ranked 43rd (171 deaths per 100,000) after Rwanda and Nigeria (41st and 42nd), China ranked 140th (350 deaths per 100,000 people), and India 118th (310 deaths per 100,000 people). The countries with the highest rates of diet-related deaths were Uzbekistan (892 deaths per 100,000 people), Afghanistan, Marshall Islands, Papua New Guinea, and Vanuatu.

The magnitude of diet-related disease highlights that many existing campaigns have not been effective and the authors call for new food system interventions to rebalance diets around the world. Importantly, they note that changes must be sensitive to the environmental effects of the global food system to avoid adverse effects on climate change, biodiversity loss, land degradation, depleting freshwater, and soil degradation.

In January 2019, The Lancet published the EAT-Lancet Commission, which provides the first scientific targets for a healthy diet from a sustainable food production system that operates within planetary boundaries for food. This report used 2016 data from the Global Burden of Disease study to estimate how far the world is from the healthy diet proposed.

The authors note some limitations of the current study, including that while it uses the best available data, there are gaps in nationally representative individual-level data for intake of key foods and nutrients around the world. Therefore, generalising the results may not be appropriate as most of the studies of diet and disease outcomes are largely based on populations of European descent, and additional research in other populations is desirable. The strength of epidemiological evidence linking dietary factors and death and disease is mostly from observational studies and is not as strong as the evidence linking other major risk factors (such as tobacco and high blood pressure) to ill health. However, most of the diet and health associations are supported by short term randomized studies with risk factors for disease as the outcomes.

For sodium, estimates were based on 24-hour urinary sodium measurements, rather than spot urine samples, which was only available for around a quarter of the countries in the study. Accurate estimation of some nutrients (such as fibre, calcium, and polyunsaturated fatty acids) is complex. As a result, the authors call for increased national surveillance and monitoring systems for key dietary risk factors, and for collaborative efforts to collect and harmonise dietary data from cohort studies.

In addition, the authors only looked at food and nutrient intake and did not evaluate whether people were over- or underweight. Lastly, some deaths could have been attributed to more than one dietary factor, which may have resulted in an overestimation of the burden of diseases attributable to diet.

Writing in a linked Comment, Professor Nita G Forouhi, Medical Research Council Epidemiology Unit, University of Cambridge School of Clinical Medicine, UK, says: "Limitations notwithstanding, the current GBD findings provide evidence to shift the focus, as the authors argue, from an emphasis on dietary restriction to promoting healthy food components in a global context. This evidence largely endorses a case for moving from nutrient-based to food based guidelines... There are of course considerable challenges in shifting populations' diets in this direction, illustrated by the cost of fruits and vegetables being disproportionately prohibitive: two servings of fruits and three servings of vegetables per day per individual accounted for 52% of household income in low-income countries, 18% in low to middle-income countries, 16% in middle to upper-income countries, and 2% in high-income countries. A menu of integrated policy interventions across whole food systems, internationally and within countries, is essential to support the radical shift in diets needed to optimise human, and protect planetary health."].

Source: https://www.sciencedaily.com/releases/2019/04/190403193702.htm

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charlesdeegan-blog · 7 years

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Mindset And Awareness Contents.

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newageislam-blog · 7 years

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

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?

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.

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).

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.

“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.

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):

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