| 
    | 
 Reflections  | 
| 
    
In the Name of Allah,  the Most Gracious,  the Ever Merciful     | 
     
            
    
          
          The Keep-it-Simple 
          Rule and Islam 
    
      
    
    Are God’s expectations from 
    humans easy to fulfil? If they are, should we not let others do what they 
    are doing and not get involved in unnecessarily disturbing them by declaring 
    what they are doing as un-Islamic? Also, should we not let non-Muslims 
    remain what they are? Isn’t it an unnatural expectation from them to convert 
    to a completely new religion? If we are expecting non-Muslims to convert, 
    why shouldn’t Muslims be expected to conform to the truth within their own 
    faith? Is changing from one religious view to another not difficult? If it 
    is, how then is Islam easy to follow? Why can’t we follow the Keep-It-Simple 
    rule in Islam? 
    
      
    
    God Almighty wants us to 
    make things easy for us. This is what He has to say: “Allah desires ease for 
    you; He does not desire hardship for you.” (2:185) The Prophet (sws) 
    strongly urged his followers to “make things easy and don’t make them 
    difficult. Give them good news and don’t scare them away.” 
     However, easiness in religion has to be done in the way the Almighty wants 
    us to do it. It should not be mistaken for casualness. Here are the outlines 
    of the easy way, as I understand, the Almighty wants us to follow: 
    
      
    
    i) One has always got to remain 
    open to truth. It is only in that way that one acquires true faith. Laziness 
    in matters of truth is an offence, though hopefully a minor one, but 
    unjustifiable stubbornness in the matter of truth is an inexcusable crime. 
    By the latter what I mean is that you refuse to take interest in the truth 
    simply because you are already attached to some other ideology and you don’t 
    want a new one to disturb you. In the process of comparing the contestants 
    for truth, if I am confused, the Almighty would accept it as a valid excuse, 
    inshā Allah. Ignoring the truth, however, can never be a part of the 
    otherwise desirable keep-It-simple formula. 
    
      
    
    ii) There is no Muslim vs 
    non-Muslim divide in the eyes of God. No one is at a disadvantage in this 
    trial of life. Muslims are expected to be open to truth quite as much as the 
    non-Muslims are. Those non-Muslims who know that the message of Islam is 
    from God and are still spurning it out of arrogance are criminal kāfir (the 
    condemned disbelievers) in the eyes of their Creator. Likewise is the case 
    of Muslims who are guilty of a similar crime in any aspect of the truth that 
    comes from God. So long as a person is confused about whether a certain 
    message is from God or not, he is not guilty. The ultimate decision on all 
    such matters will be taken, thankfully, by the All-Knowing God Himself.
     
    
      
    
    iii) In matters of practice, the 
    rule is that you are expected to follow the truth as much as is possible. 
    God has promised that His expectations are simple. However, we need to 
    understand them in order to follow them. That strategy would ensure that 
    things are kept simple.  
    
      
    
    iv) In matters of new findings 
    on religion, science, or any other discipline, we again need to remain open. 
    Of course, not everyone is interested in everything, but if someone tells me 
    that what I am doing right now is not acceptable to my God, then I cannot 
    take it lightly. Even in non-religious matters, once we jump into a 
    discussion, we have to behave like truth-seeking believers and not like 
    truth-spurning kāfirs.  
    
      
    
    v) God Almighty has promised 
    that He is not going to make any soul accountable for anything more than 
    what his potential is. He has also promised that He will forgive people who 
    repent after realizing that what they were doing was wrong and that He will 
    only punish those who were insisting on a wrong, criminal attitude 
    knowingly. What better keep-it-simple approach could there be than this?
     
    
      
    
    vi) One of the things I am 
    expected to do as a good believer is to get involved in the process of 
    correcting those who are closely linked with me. Likewise, I should allow 
    others to influence me positively whenever I am going wrong. Such an 
    attitude of mutual correction is a demonstration of the believers’ concern 
    for the welfare of each other. In no way does it demonstrate an unnecessary 
    interference in the affairs of others. In fact, not doing so would be 
    indicative of a lack of interest in the spiritual and moral welfare of the 
    other person. 
    
      
    
      
    
     Author:
    Dr Khalid Zaheer 
    
      
    
              Topic URL:
              
              http://www.monthly-renaissance.com/issue/content.aspx?id=294 
    
       
    
    
       
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In this Issue  | 
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Reflections 
* The Keep-it-Simple 
    Rule & Islam 
      | 
| 
 
Read & Reflect 
* Insurance 
  
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   Debate & Discuss * Discussion Forum:  
    Family & Marriage: 
    Core Issues 
 
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Express & Explain  
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General Discussion 
   Forum:  
    Understanding 
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Pause & Ponder 
*  Why 
Should Men 
    head a Family? 
  
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Read and Reflect | 
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Insurance 
  
Author 
Javed Ahmad 
Ghamidi 
(Tr. by Shehzad Saleem) 
  
Insurance is a sort of contract for 
mutual help in which people pay a fixed amount in installments. The purpose is 
that if any of them is inflicted with losses relating to their persons or their 
wealth they are compensated from this pooled money in a prescribed manner. The 
money given is never returned and all the people or institutes which provide 
this service are granted this right by people who enter into this contract of 
mutual help with them that in return for this service they can spend the 
accumulated money in whatever way they want. 
  
This is an extraordinary scheme 
which has been chalked out to compensate losses and to help people in difficult 
circumstances. Its benefits are now acknowledged everywhere. After the 
termination of the institutions of tribes, fraternities and ‘āqilah, this is the 
best substitute for them which contemporary economic systems have provided to 
this world. There seem to be no objection against it; however, Islamic scholars 
generally regard it to be prohibited. Following are the objections they have 
raised against Insurance: 
  
1. The amounts which Insurance 
Companies pay to their clients are generally more than the installments their 
clients have paid them; this is interest and interest is forbidden in Islam. 
Moreover, Insurance Companies further invest this money in interest-based 
schemes. Some part of the interest earned by them is also used in paying off 
their clients who had bought their insurance policies. 
  
2. Insurance Policy holders 
repeatedly receive large sums of money against death, accidents or losses. This 
is gambling which is prohibited in the Islamic sharī‘ah. 
  
3. The entity for which an Insurance 
Policy is bought does not typically exist; the locus of the contract is also not 
ascertained and the Policy holders do not even know the number of installments 
and the time till which they will have to pay them. In the terminology of the 
jurists these are called gharar (deception), jahālah (ignorance) and ghaban 
(embezzlement) respectively in the presence of which no contract is allowable. 
The Prophet (sws) has forbidden such deals. 
  
A little deliberation will show that 
all these three objections are baseless. 
  
The first of these is not tenable 
because the installments paid by an Insurance Policy holder are not loans. They 
are given by him for the help and support of others on the condition that he too 
could be the recipient. Thus they are never returned. If Insurance institutions 
invest them in interest-bearing transactions, it is because they have been given 
the right by the policy holders to use them. No responsibility of the nature of 
this use rests on the Policy holders. If a person is to receive Insurance money 
for the purpose he had bought an Insurance Policy, then as per the contract, he 
receives it from the accumulated amount. This is the real nature of Insurance, 
and it must be viewed on its basis. 
  
The second of these objections is 
not tenable because gambling is a game and a matter of purely chancing one’s 
luck. People who buy Insurance Policies do so to become part of a system which 
caters for helping one another in case of losses. The nature of the two is 
entirely different, and the basis of religious directives is not marginal 
similarity between two things; it is and should be based on the actual nature of 
the two. 
  
The third of these objections is not 
tenable because the directives of the Prophet (sws) related to gharar 
(deception), jahālah (ignorance) and ghaban (embezzlement) are not of the nature 
of an absolute prohibition: they are meant to resolve disputes and to close the 
door to ways which may result in these evils in cases of financial transactions. 
Insurance, however, is not a financial transaction. It is a scheme which relates 
to mutual help. It is executed and managed by individuals and institutions who 
are given the right to use the accumulated money in return for the service they 
provide. It is not appropriate at all to judge it by ignoring the nature of this 
scheme.  
  
(Translated from Maqāmāt by Shehzad 
Saleem) 
  
 
Read URL: http://www.monthly-renaissance.com/issue/content.aspx?id=1246 
  
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Debate and Discuss | 
 
      
    
  
    
      
      
    
  
  
    
      
    
    
    
    
    
    
  
    
      
       
      Discussion Forum: Family and Marriage: Core Issues 
       
      
      
      Topic: Dowery  
    
     
    
       
    Esaiyed 
    I 
    would like to know if dowry needs to be paid in full before marriage or it 
    can be settled after marriage. 
     
    
    Student Affairs 
    
    Depends what the bride wants, because it's a 
    gift to her from the groom. However it should have been offered by the groom 
    and the amount clearly mentioned and documented at the time of the nikah/marriage 
    contract because it has been described as an obligation of the marriage 
    contract in Qur'an; (the purpose of the dowry is to represent the importance 
    and seriousness of this life time contract) 
     
    
    
      
    saba2 
    
    What about the dowry system in Indo Pak sub-continent? 
     
    The girl's family provides the boy with everything which they can afford 
    starting from crockery to furniture car house etc. Isn't this practice un 
    Islamic? 
     
    
    ibrahim 
    
    Sister, of course this is un Islamic but unfortunately we've to live with it 
    and have to tackle this issue very wisely. 
     
    It must be clear that Dowry (Mahr) is something 
    else and as has been described above that it's an obligatory thing. 
     
    It's not compulsory to be paid in full before 
    marriage but as said earlier it must be settled before Nikah ceremony. 
    However, at any time, wife can leave it partially or fully by her own will 
    or she can return it as much as she wants to if she has already received it. 
     
    
    faysal99 
    I 
    have my concern on "Mahr". 
     
    When religion binds men to be fully responsible 
    for "Economics" after marriage bond, it is obvious in this directive, that, 
    women rule in economics or financial matters of society is limited or 
    Non-existent. And men are the sole runner of finance or economics. 
     
    The trend has changed now in modern times. 
     
    Women have now equal opportunities not only for 
    technical education (which lead to highly money oriented Professions) but 
    are also occupying hundred of thousands jobs, replacing men. 
     
    Earning opportunities have scared for men and 
    it is resulting delayed marriages and other imbalances in society. 
     
    Therefore Under such conditions, it is not 
    justified to ask men for "Mahr" or to declare them to be Wholly responsible 
    for Financial matters after marriage. 
    
     
    
    
    saba2 
    
    Faysal your concern is justified, women have started working and getting 
    good education and doing better than boys sometimes, but how many get there? 
    Very few and how many actually work even fewer. The point is the Mahr which 
    has to be paid to the girl in our society is not paid in most cases ever it 
    is a ritual that it is written in our Nikahnama but in practices how many 
    men actually pay it? Then there is the stipulation that women can take it in 
    installments or leave it, or as pointed out even return it. I think it is an 
    obligation for men to take their responsibility seriously and understand 
    what marriage means. 
     
    
    ibrahim 
    
    Dear faysal, besides that please also note that despite all these changes 
    that you've mentioned and as correctly described by Saba that by percentage 
    such cases are still in minority. The real point that must be appreciated by 
    all Islamic social laws is that Islam wants strong base of a Family Units. 
    That's why by asking man to take the financial responsibilities Allah has 
    given him a leading role in the family and has told us that what must be the 
    roles of the husbands & wife's in the society. 
 
    
    Read on:
    
    http://www.studying-islam.org/forum/topic.aspx?topicid=3438&lang=&forumid=42 
       
      
 
      
    
 
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Express and Explain:  | 
 
      
  
    
    
      
  
    
     
    
    General
    Discussion Forum 
     
    
  
    
    
    
    Understanding each Other  
  
  
  
    
  In Pakistan we 
  live in constant fear, violence is on the rise intolerance and isolation of 
  factions is leading to more and more to misunderstanding. Is this going to be 
  our legacy to our children? Will they be always looking over their shoulder? 
  Why cant we talk to each other accept each others' point of view, can all 
  people come together express their point of view without fear on this forum.  
  
  
    
  My first question 
  Pakistan was created for Muslims to practice Islam and live without fear. 
  Whose version of Islam? and are we living without fear?  
  
  
  
  
      
      
    
    
     
     
  
    
  
  ..........Whose version of Islam?.........  
  
      
      
    
    
     
     
  
    
  
  Of course the version of the 
  One who named us Muslims. 
   
  The term Muslim 
  signifies "one who surrenders himself to God"; correspondingly, Islam denotes 
  "self-surrender to God". Both these terms are applied in the Qur’an to all who 
  believe in the One God and affirm this belief by an unequivocal acceptance of 
  His revealed messages. Since the Qur’an represents the final and most 
  universal of these divine revelations, the believers are called upon to follow 
  the guidance of its Apostle and thus to become an example for all mankind 
   
  The religion of 
  Islam is: 
   
  (1)free of any 
  dogma or mystical proposition which might make the Qur'anic doctrine difficult 
  to understand or might even conflict with man’s innate reason; 
   
   
  (2) it avoids all 
  complicated ritual or system of taboos which would impose undue restrictions 
  on mans everyday life;  
   
  (3) it rejects 
  all self-mortification and exaggerated asceticism, which must unavoidably 
  conflict with mans true nature and  
   
  (4) it takes 
  fully into account the fact that "man has been created weak’’ (4:28). 
   
  Al-Hajj (The 
  Pilgrimage) 
   
  22:78 
   
  
    
  
  
  وَجَاهِدُوا فِي اللَّهِ
  
  
  حَقَّ جِهَادِهِ هُوَ اجْتَبَاكُمْ وَمَا جَعَلَ عَلَيْكُمْ فِي الدِّينِ مِنْ
  
  
  حَرَجٍ مِّلَّةَ أَبِيكُمْ إِبْرَاهِيمَ هُوَ سَمَّاكُمُ الْمُسْلِمينَ مِن 
  قَبْلُ
  
  
  وَفِي هَذَا لِيَكُونَ الرَّسُولُ شَهِيدًا عَلَيْكُمْ وَتَكُونُوا شُهَدَاء 
  عَلَى
  
  
  النَّاسِ فَأَقِيمُوا الصَّلَاةَ وَآتُوا الزَّكَاةَ وَاعْتَصِمُوا بِاللَّهِ 
  هُوَ
  
  
  مَوْلَاكُمْ فَنِعْمَ الْمَوْلَى وَنِعْمَ النَّصِيرُ  
  
  
    
  
  And strive in His 
  cause as ye ought to strive, (with sincerity and under discipline). 
   
   
  He has chosen 
  you, and has imposed no difficulties on you in religion; it is the cult of 
  your father Abraham.  
   
  It is He Who has 
  named you Muslims, both before and in this (Revelation); that the Messenger 
  may be a witness for you, and ye be witnesses for mankind!  
   
  So establish 
  regular Prayer, give regular Charity, and hold fast to Allah. 
   
   
  He is your 
  Protector - the Best to protect and the Best to help! 
   
  
  hkhan (Moderator)  
    
  
    
  
  "Why cant we talk to each 
  other accept each others' point of view, can all people come together express 
  their point of view without fear on this forum." 
   
  
  Welcome to SI forums saba2 
  with salam (peace) Of course you can express your point of view without fear 
  on this forum so go ahead please. 
   
  
  saba2  
  
    
  
  Thank you for the 
  warm welcome Hina. 
   
  when I said whose 
  version of Islam I meant whose interpretation , which sect and I disagree 
  Islam is not a difficult religion to follow its basis is on our niyat and our 
  instinct of judgment of deciding right and wrong. 
   
  It takes man as a 
  social being and lays its laws which are fair to all. 
   
  The problem is 
  when different sects interpret and insist their interpretation is right and 
  willing to take each other's lives for it. 
   
  Suicide bombings 
  killing of women attacks on minorities has given rise to fear and the policy 
  of submission because you have no choice, or mass migration if you have one. 
   
  What happened to 
  laying basic principles and then leaving the rest to the people? Quran leaves 
  according to me a lot of grey areas where the judgment is left to individuals 
  why should we impose our interpretation on the rest. 
   
  Every day things 
  have become a strain on our lives. Listening to music, if you are a music 
  lover should you hide that fact? Because maybe your neighbor might not agree 
  with it and react to it in a very unpleasant manner. The way women dress when 
  going outside or dealing with people in offices or any jobs, do they wear 
  hijab ?cover their face ? a coat on their dress ? a chader? or just plain 
  dress with head uncovered short sleeves or long ones? Does an Islamic state 
  have a right to dictate a dress to a woman or a man? Should it not be a choice 
  of an individual? We are all going to be judged by God on the day of Judgment 
  so why are we insistent on judging in this life time. All states have Civil 
  laws to judge criminal offences so should we in Islamic perspective but 
  keeping a medium path. 
   
  God has given us 
  the right to choose our lives' path and given us guidelines to decide whether 
  we are choosing the right path or the wrong one. All human beings have the 
  right to earn a lawful earning education and a right to choose your husband or 
  wife. 
   
  If we fulfill 
  these responsibilities and protect the innocent and weak from aggression then 
  we are half way there to a better life and maybe in the eyes of God better 
  human beings. 
   
  
  
    
    
    
    
    
    
      
      
  
  
  Topic URL :
http://www.studying-islam.org/forum/topic.aspx?topicid=3099&lang=&forumid=1 
    
    
    
    
    
      
      
    
    
   
      
    
     
      
    
    
    
    
    
    
    
    
    
    
    
    
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Pause 
and Ponder | 
 
| 
  
Why Should Men head a 
Family? 
Question: 
According to 
the Qur'ān, husbands are the guardians of their wives. Why is that so? Why 
should they head a family? 
 
 
Answer:
Men and women are the two building 
blocks of the smallest unit of the society: the family. The Almighty has made 
them such that they complement one another. In other words, they are not 
duplicates of one another; they are different from each other. By complement is 
meant that they complete certain voids present in each other. This also is 
precisely why they need one another to form a family. The Qur’ān says that for a 
healthy society, both sexes should acknowledge each other's inborn qualities and 
characteristics and not become jealous: 
 
And in no way covet those things in which Allah has bestowed you His gifts more 
freely on some of you than on others: Men shall be given a share from what they 
earn and women shall be given a share from what they earn, and ask Allah of His 
bounty. For Allah has full knowledge of all things. (4:32) 
 
In other words, what the Qur’ān is implying here is that the real sphere of 
competition is not natural abilities for they have been bestowed by the 
Almighty; it is the sphere in which one uses these abilities to earn for one’s 
self some reward in the Hereafter in which men and women should strive and 
compete with each other. 
 
After spelling out the correct attitude in this regard, the Qur’ān, goes on to 
say:  
 
Men are the guardians of women because Allah has given one superiority over the 
other and because they [--- men ---] support them from their means. (4:34) 
 
According to this verse, men are more suited to head a family because of the 
fact that they are physically and temperamentally more suited. This suitability 
has been ingrained in their nature by the Almighty. Their physical strength and 
mental disposition make them more appropriate of the two to carry out this 
responsibility. The word qawwām (guardian) combines in it the concepts of 
physical protection and moral responsibility. 
 
The second reason pointed out by this verse for this choice is that on a man 
lies the responsibility of earning for his wife and children. It is but natural 
for one who financially maintains and looks after the individuals entrusted to 
him to be at the helm of their affairs. In this regard, however, it must remain 
clear that Islam does not forbid women to earn a living. It has only freed them 
from the responsibility of earning, which lies upon men. It also needs to be 
understood that the verse does not say that the one among the husband or wife 
who supports the family should become the head;. husbands, whether their wives 
earn or not, are liable for this responsibility. A women may earn if she likes 
or if some need arises, but since she has not been entrusted with this duty she 
has not been given the governing position in the family. 
 
The verse, it should remain in consideration, very clearly states that men's 
superiority to women is not absolute; it is only relative and confined to 
certain spheres. Consequently, there are certain spheres in which women by 
nature -- physical, physiological as well as psychological -- are far superior 
to men and much more suitable to do certain tasks.  
 
wassalam 
 
 
Dr Shehzad Saleem 
 
  
URL:
http://www.studying-islam.org/querytext.aspx?id=967 
  
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