Tuesday, January 10, 2017



Business Ethics in Islam - Mufti Ismail Menk
A study conducted by Prof. Hussain Askari of George Washington University entitled *“How Islamic are the Islamic Countries"* showed that most of the countries that apply *Islamic Principles* in their daily lives are not ones that are traditionally Muslim.
New Zealand ranked 1st, Luxembourg 2nd, Ireland 3rd, Iceland 4th, Finland 5th, Denmark 6th Canada 7th. Malaysia 38th, Kuwait 48th, Bahrain 64th and the surprise *Kingdom of Saudi Arabia ranked 131st*.
The study, published in the *Global Economy Journal* might be shocking to most of us but when we look around us and see the reality of the situation, we find that the results of the study are accurate and true.
As Muslims we seem to care only about performing religious Obligations/Rituals/Sunnah (prayer, fasting, niqab, beards, etc), reading the Qur’an and the Hadiths, but we don't practice what we espouse.
We listen to religious lessons and sermons more than the other people on the face of the earth, but we are still not the best of Nations. In the last 60 years, we have listened to 3,000 Friday sermons.
_*A Chinese merchant once said: “Muslim merchants come to me and ask me to put fake international labels and brands on their goods. When I invite them to eat, they refuse because the food is not Halal. So it is Halal for them to sell fake goods?”*_
_*A Japanese Muslim said: “I traveled to the West and saw Islam in practice applied in the daily life of non-Muslims. I traveled to the East, I saw Islam but did not see any Muslims. I thank Allah I knew Islam before I knew how Muslims act.”*_
Religion should not be reduced to Prayer and Fasting. It is a way of life and it is about how we treat others.
Performing a religious obligation is up to you and it is something between you and Allah. However, good ethics is something between you and other people. In other words, if we do not put Islamic ethics into action and practice, corruption will become rampant and disgrace will be our future.
We should not judge a person based on how he performs religious obligations for he might be a hypocrite.
_*The Prophet Muhammad (peace be upon him) said: “Verily, the bankrupt of my nation are those who come on the Day of Resurrection with prayers, fasting and charity, but also with insults, slander, consuming wealth, shedding and beating others.”*_
I believe *Islam* (external aspect of faith) is incomplete without *Imaan* (internal aspect of faith) and *Ihsaan* (social aspect of faith). Ponder, understand and realize this.
Lord Bernard Shaw is said to have said: *Islam is the best religion and Muslims are the worst followers.*
A statement by Nasiruddin Shah before Shariyah court in Pakistani movie ' Khuda ke liye' ,
*"Haram ki kamai jeb me dale hum halal gosht ki dukan dhundhte hai" !!!*

5 home-based small business ideas for the Islamic market 2015

Islamic Market Expert Islamic Marketing & Branding | Founder BookHalalHomes
Virtual assistant
Virtual assistants are independent entrepreneurs who work from home using a computer and an internet connection (ONLY INVESTMENT) and deliver services to clients globally. The virtual assistant industry has become so popular because it helps mostly women become entrepreneurs
The best home business idea is the one that fits your background, skills, interests, abilities and needs.
Many virtual assistants offer secretarial services, but more people with diverse backgrounds and skills enter the market, virtual assistants who specialize in such areas as marketing, graphic and Web design, IT support , technical consultancy or even translations are becoming more common.

How do you get customers? After you have decided what type of services you want to offer and determined your business niche, you might want to consider joining a professional organization or networking group. This will give you the opportunity to network, build camaraderie and have access to upcoming projects.


NOTE: The following facts inspired me to Start my own consultancy business in 1994. ENVO was born.

Why I am insisting on halaal income?
The Prophet said If a man purchases a cloth with ten dirhams and if one dirham out of them is unlawful, his prayer will not be accepted till a portion of that cloth remains in his body.
Tahkeeq : رواه أحمد من حديث ابن عمر بسند ضعيف. Also narrated by In tadhkiratul Huffadh :…

Read more In sha Allah:…/14-tips-to-increa…
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Allah key aakhri nabi Mohammed (sallallahu alaihi wasallam) ney farmaya: ““Jis aadmi ka badan haraam rozi sey palta hai, aise badan key liye Jahannam zyaada behtar hai.”. 
(Book of Tirmizi: Hadees No. 814)

Earning a halaal livelihood

Earning a halaal livelihood is a command of Allah and the responsibility of every man. Hazrath Anas [radhiallaahu anhu] reports that Rasulullah [صلى الله عليه وسلم] has said: "It is a bounded duty upon every Muslirn to earn a halaal livelihood."
Hazrat Abdulla ibn Masood [radhiallaahu anhu] reports that Rasulullah [صلى الله عليه وسلم] said, "To earn a halaal livelihood is compulsory after the completion of other Fara'idh." (compulsory acts)
"And when the prayer is finished, disperse in the land and seek the bounty of Allah (by working etc.) and remember Allah much so that you may be successful." (Jum'ah)

The Prophet Muhammad SAW has said:"Poverty can lead to Kufr."The Prophet Muhammad SAW also said:"Take to trade, because out of ten divisions of livelihood, nine are in trade."

While running a business, one should have the intention that:

       1. I am working because it is the command of Allah.
2) To protect my wife and children from begging and to provide halaal sustenance for them. In this way saving them from haraam as well.
3) I am running this business, so that I can give employment to others so that they too, can earn a halaal livelihood.
4) The way I am going to conduct the business is going to be an inspiration to others..
5) I will not indulge in interest, overdraft etc. and that I will close my shop at salaat times.
6) From the profit I get, I will assist the poor & help in good causes, like organising free health camp for poor (Doing this through my NGO Green Shield), building hospitals,giving needy student their school fees etc.
2)     You can do this by utilizing your expertise to help your friends and relatives. You can concentrate on community work by thinking of the advancement of fellow people in their corporate or professional careers as well and many such ways. Remember, it is never difficult to benefit your friends and relatives whatever your career maybe as long as it is halal.

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There is a popular saying in Muslims "when you work on your afterlife your worldly life will automatically become successful "
To work on your afterlife you need to avoid sins and do good deeds
Sins like lying, back biting , slandering , usury , disrespecting women , being arrogant , insensitive, unfaithful to your family and country . etc
Doing good deeds like praying on time, charity , respect to parents , respect to woman, caring for neighbors, getting your kids properlyeducated to face the world,doing halaal income etc
When a person is trying to do all this then he becomes honest , generous , humble faithful person .. Who would not want to live/ work with/ under such a person .. Everybody will love such a person .. Automatically your worldly life becomes successful .
God also reminds us of our share of this world,

But seek, through that which Allah has given you, the home of the Hereafter; and [yet], do not forget your share of the world. And do good as Allah has done good to you. And desire not corruption in the land. Indeed, Allah does not like corrupters." [28:77]
All the possible misconducts including dishonesty, lying, hypocrisy, theft, fornication, inequality and sectarianism are happening in the Muslim world. Muslims have deviated from the path shown to them by their religion and adopted the path of self-interest and evil. On the other hand, all good values that were propagated by Prophet Muhammad (SAW) are adopted and implemented by today’s western world.And see how successful the western world is.

Islam Encourages Business

The Holy Prophet (SAW) has said:
"There are 70 parts of Ibadat. The best part of it is that of earning in a Halaal way, the best action is to work and earn livelihood by Halaal means. If a person earns by Halaal means then he will get the Thawab equal to the Prophets (A) on the day of Qiyamat."
The Shariah of Islam encourages Trade. There are 10 parts of earning, out of which 9 parts are in business.
However, the Imams (A) always said that a person engaging in trade must know its Masails to avoid falling into sinning.
Etiquette of doing Business
The Holy Prophet (S) said that when doing trade to note the following points :
1. No interest should be transacted (details to follow).
2. No swearing should be done even if one is speaking the truth.
3. Seller should not conceal defect of his own goods.
4. Seller should not falsely praise the quality of ones goods.
5. A buyer should not find fault falsely in goods when buying.
There are 4 Mustahabats to follow while in business transaction :
1. Price should be equal to all Muslims.
2. In question of price, one should not be harsh while dealing.
3. Give more and take less in quantitative measurements.
4. To take goods if returned if buyer does not want goods.
It is Wajib for a person to earn enough so that he may be able to feed his wife and children.
Six types of trades are Haraam:
To buy or sell intoxicating drinks, non-hunting dogs, pigs, dead animals e.g. meat, skins, hides of non-zabiha animals, etc. Other dealings involving Najis items is allowed if a good and logic use of it is being made e.g. fertilisers, etc.
To buy or sell wild animals.
To buy or sell Ghasbi (usurped) things.
To buy or sell goods used for Haraam purposea, e.g. instruments of gambling, etc.
To receive or give interest during transactions.
To sell adulterated (mixed) goods with full prior knowledge - for example, seeling a bag of flour that contains chalk as well, etc.
Types of trade which are Makruh are:
To sell ones estate or buildings, unless if one is going to buy a new estate (It is recommended in Shariah of Islam that one should live in ones own house).
Just slaughtering animals (It is said that in doing so ones mind becomes very hard).
Just to sell Kafan (shroud). As a side business it is allowed.
To do transaction with people of low morals e.g. thieves, smugglers, etc.
To do any business during the time from Dawn to Sunrise. It is the time reserved for the Ibadat of Allah.
To sell grains of foods, because if hoarding is committed then the consequences to be faced from Allah are grave so it has been made Makruh.
To swear during a transaction even when it is true.
The basic element of Interest is the exchange of one commodity for the same commodity with an increase in payment. The Islamic law strictly prohibits Usury (the practice of lending money at a rate of Interest). The practice of Usury is equal to acting with hostility against Allah and the Holy Prophet (S). The Holy Quran says:
"O Believers, have fear of Allah and forego what is still due to you from usury, if you are (true) believers; but if you do not do so, be warned of war against you by Allah and His Messenger" (al-Baqarah, 2:278)
Our 8th Imam, Imam Ali ar-Reza (A) has said:
"Usury is unlawful, for Allah, the Almighty has forbidden it because it brings ruin and leads to the wastage of the property of the people. Everybody becomes interested in making easy profit and gives up the practice of advancing Interest-free loans, though it is an act of virtue to help the needy and to lend them money without Interest. In any case, Usury leads to corruption, injustice, violation of the rights of others and the wastage of property."
The above Hadith clearly mentions the evil results of Usury. Other common effects of Usury are:
1. Exploitation and destruction of the poor in a society:
In most cases a person borrows money because his needs are greater than his earnings. By taking a loan on Interest, his debt becomes more than he actually needed. Furthermore, his needs begin to continue rising in more proportion than his earnings; thus widening the gap between income and expenditure. On top of the widening gap if he had to pay Interest then his position would worsen to an extent where most of his income would be used up in repaying the Interest and would not be paying the loan off yet.
2. Strengthening the rich society:
With Usury, the rich get richer; as a result the rich society takes control over both the production and consumption of commodities. They control the prices of almost all items, even those grown and produced overseas. Two extremes of the rich and the poor, the well-fed and the starving, the powerful and the powerless; are created in the society. Sadly however, these same rich society then misuses its power and influence to rule over the peoples' properties, honour and lives in any way they wish and desire. Because of their financial power, the rich become arrogant, an attitude totally denounced by Islam.
3. Discouragement towards helping a fellow Muslim:
Because of the temptation of receiving Interest in the extra money lying in the banks, one may be discouraged in advancing an Interest-free loan to a fellow Muslim who is needy, in spite of the fact that Allah has promised abundant reward for lending Interest-free loan money and has regarded this act better than giving the charity.
4. Creation of unemployment:
Due to Interest incentive, many individuals keep their money in the high Interest earning banks instead of investing in the business or industries which create employment. Even if the banks invest the money of savers, they would do it in those areas that benefit them, taking no consideration of the benefit of the poor section of the society.
5. Inflation:
Due to high Interest rates on the borrowing of loans, the production cost rises resulting into high prices of commodities. Furthermore, since the rich continues getting richer, he can afford to bid higher prices of goods especially those items whose availability is scarce.
Part - 1 ┗═════════════════✿
┱✿ Deen Ka Aham Rukn- Mamlaat Ki Safaai,
┱ Mamlaat ki Durustgi aut Safaai Deen Ka aham Rukm hai ,yani insaan ko Mamlaat mai achchha hona chahiye, Lekin afsos ye hai k Deen ka Jitna aham hissa hai ,hum logo ne utna hi isko zindgi se khaarij kar rakha hai ,
┱ Humne Deen ko sirf chand ibadaat maslan Namaz,Roza ,Hajj ,Zakaat mai hi samjha hai , Lekin Rupiya Paisa ke Len Den ka Jo hissa hai usko humne bilkul azaad chhoda hua hai ,goya k ye Deen se iska koi talluq hi nahi ,
┱ Halanki islami Shariyat ke ahkaam ka jayza liya jaye to nazar aayega k ibadaat se Mutalliq Jo ahkaam hai'n WO sirf Ek Chothaai ( 1/4 ) hai'n aur Teen Chothaai ( 3/4 ) Ahkaam Mamlaat aur Mashrat se Mutalliq hai'n,
📁_ Huqooqul ibaad aur Mamlaat ( Mufti Taqi Usmani DB)
*Part - 2* ┗═════════════════✿
*┱✿ Mamlaat Ki Kharabi Ka Asar ibadaat Per,*
┱ Allah Ta'ala ne in Mamlaat ka ye muqaam rakha hai k agar insaan Rupiya paisa ke Mamlaat mai Halaal v Haraam ka aur jaa'iz Na-jaa'iz ka imtiyaz na rakhe to ibadaat per bhi iska asar ye hota hai k chahe WO ibadaat ada ho jaye lekin iska Ajro Sawab aur inki qubuliyat moqoof ho jati hai ,Duae'n qubool nahi hoti hai ,
┱ Ek Hadees mai Huzoor Sallallahu Alaihivasallam ne irshad farmaya, Bahut se log ese hote hai'n Jo Allah Ta'ala ke saamne badi Aajizi ka muzahira kar rahe hote hai'n is haal mai k unke Baal bikhre hue hai'n, gidgida kar aur ro ro kar pukaarte hai'n k ya Allah! Mera ye maqsad poora kar dijiye ,Badi Aajizi aahozari se Duae'n kar rahe hote hai'n,
"__Lekin unka Khaana Haraam ,pina unka haraam ,Libaas unka haraam aur unka jism Haraam Aamdani se parwarish paya hua , Ese Aadmi ki Dua Dua kese qubool ho ? Ese Aadmi ki Dua qubool nahi hoti,
*📁_ Huqooqul ibaad aur Mamlaat ( Mufti Taqi Usmani DB)*

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