Tuesday, November 24, 2009

( By Hajjah Nik Mahani Binti Mohamad FCCA (UK); Director of Kelantan Golden Trade)
Clearly this is an age of deception! From the Muslim perspectives – we have lost all sense of judgement in accordance with our Syariah ( Islamic law) ever since the Muslim world embraced the Capitalist ideology and their system of governance . This development is very recent i.e since 1924 when our last Muslim Caliphate – The Ottoman Caliphate felled. The Capitalist ideology that began to rule the world completely since 1971 based on fiat monetary system of paper currency had imposed a legal tender onto the citizen of the world based on a deception that few amongst us today realized the implication thereof! Is it not a great deception that despite the cry of the supposedly freedom from the colonial masters to the cry of ‘MERDEKA’!; despite the constitutional democracy based on parliamentary electoral justice - A CENTRAL BANK was setup as the governor of THE NATIONAL CURRENCY only to imposed the anti-thesis of such purported freedom- a ‘ LEGAL TENDER’ legislation? By the imposition of a ‘legal tender’ through the use of these ‘fiat currencies’- citizen of the world today was forced by law of the state to use and accept the pieces of papers as ‘money’ ! This is the age of ignorance despite all the knowledge and advancement in science !
Not many amongst us today find this fact as a most intriguing phenomenon and not many amongst us care to even ponder over this fact. Many of us fail to understand the contradiction and this is where we citizen of this century failed miserably to be ironically - a FREE person ! Yes! despite that we now live in the most advanced age of technological development; many will dismissed this fact as something of any importance at all and they fail to understand that such acceptance of legal tender of the national currency meant that we have allowed others to govern or managed us and also the possibility of other power shaping and dictating our life! In other words our freedom as a ‘free man’ and ‘sovereign’ as a nation state have been manipulated simply through acceptance of a ‘legal tender’ of paper and plastic money and electronic money ! This is a statement of fact.
The legal strictures of Parlimentary Constitutional democracy deceptively encapsulate the rhetoric of the French Revolution cry of liberty ;fraternity and equality ! It is but a deceptive tool to fool the citizen of the world enticing them that the supremacy of governance can be placed into the hands of the elected representatives of the people called the ‘government ’ . Reducing the supremacy of Our Lord -The creator of all worlds - to merely an ‘impotent’ role of a set of ‘believes’. Thus enshrined in Malaysia a set of governing tenets rules for the Nation (Rukun Negara)- a set of general principles of common ‘believes’ encompassing all religious believes under one humanity! . The supremacy of Allah SWT for the Muslims; or the Lord of the World for the Christians and Jews –‘religions of the sky’ and this also means – all the Holy scriptures – The Quran; The Bible and The Taurat becomes useless to the people of our age! Can we not see this happening already under the cry of ‘democracy’ –the Capitalist methodology & ideology? One observation by a famed personality - George Bernard Shaw served to jolt our thoughts when he said “Democracy is about choosing just anybody by everybody!” The world today witness – man and women of low educational background; poor morality and cheats brought forth by the electoral polls into parliament becomes rulers governing over world citizen! How can there be liberty when citizen is compelled to accept national debt and national currency based on blind trust to the state government?. Where indeed is the so-called ‘FREEDOM’ that was promised us when our very own ‘sovereign’ was compromised? We citizen of the present age need to see through these deceptions that our embracing and acceptance of so-called ‘democratic’ Capitalist ideology and methodology into modern day framework of governance – comprising of everything that is symbolizes in this era of the so-called ‘enlightened era’ – symbolically represented by The National Flag and National Anthem; and the whole system of National army and soldiers standing proud in front of it symbolizes how citizen of the world this century was totally taken into believing that the Capitalist methodology and ideology works! The G-20 summit now taking place in Philedelphia and Turkey will see yet another step forward towards world dominance under one supreme governance – The New World Order! A reality which will be again deceptively trapped citizen of the world to lose all of our humanity if we do not wake-up!! The trappings of deception is only too clear - there should be logically one superpower that will be responsible for mankind to achieve everlasting peace and harmony in this world. A ‘God-like superpower’ will and should governed citizen of the world because we mankind separately are too irresponsible and too stupid to handle matters individually! Again, this moment in time will begin with a convergence of ‘currencies’; regional ones with representatives from the region- the most logical solution and it shall be hailed as the ‘most appropriate’ solution to the financial amargedon otherwise faced!
This point in time to the Muslim is the most defining moment of this century! The world today is at a standstill devoid of a comprehensive solution to end this great event which have yet to unfold the full extent of the disaster! From our Islamic Syariah perspectives; this event had been prophesised by our Prophet Muhammad SAW when in one of His saying narrated by Imam Bukhari “ The time shall certainly come over you when there will be nothing of value save a gold dinar and a siver dirham”!.
The Muslim perspectives on matters of bringing back the gold and silver specie as monetary units to be used by Muslims and non-Muslims have very far reaching consequences. To the Muslims; who have now beginning to see through the deceptions have now come to realized and unfold the mystery behind the last verse of the Al-Quran , delivered just five days before our Holy Prophet Mohamad SAW demised verse 278 and 279 Chapter 2 Al Baqarah – ‘Oh you who are believers! If indeed that you are true believers then rid yourselves of “riba”!’ and ‘If you do not do so; then be warned that your Lord and His Prophet declared “war” upon you….’! These verses of Allah SWT is very clear coupled with the declaration of sin in the practice of “riba”. The Muslims were told that the smallest ‘sin’ of riba or usury to be equated to 30 times act of fornication or similar to the sin of an ‘incest fornicator’!!
The Muslims of this age to be faithful to their tenets of Islam; is now jolted to the facts of the unfolding of the events around the world today and the kind of deceptions surrounding all issues of our life on planet earth today must take a radical stand; i.e in the right direction to the cry of ‘JIHAD’ in the matters of eradication of the practice of riba or usury practices. To stay relevant in this course one must not take an empathy stand! To empathise with some pseudo-Syariah compliant solutions such as the Capitalist Islamic solution will not solve any problem at all because Islam had already been declared as a ‘perfect religion’ and thus is no need to copy and imitate Capitalistic methodology and ideology! The Muslims have now come to realized the importance of resorting to gold and silver as monetary units is but the mere beginning of the New Golden Era of Islam promised to the world before the actual ‘ Great Destruction’!! To be con’td.
( Penulis : Puan Hajjah Nik Mahani binti Mohamad FCCA (UK); Ahli Lembaga Pengarah Kelantan Golden Trade (M) Sdn Bhd )

Perpatah Melayu ada satu bidalan ‘alah bisa tinggal biasa’. Bidalan ini sangat tepat apabila kita mula menyedari betapa keadaan kita umat Nabi Muhammad SAW diabad ini telah menjadikan suatu kebiasaan menggunakan wang-wang kertas sebagai alat pertukaran tanpa terdetik dihati sanubari akan kejanggalan amalan kita selama ini! Betapa matahati serta akal kita tidak nampak dan sedar akan kepincangan amalan kita selama ini menggunakan sekeping kertas yang kita semua secara spontan menerima sebagai sesuatu yang ada nilai berdasarkan coretan angka dan chop serta gambar tertera diatasnya Yang Dipertuan Agung dan disebelahnya lambang serta gambar Bank Negara Malaysia! Tidak pernah ada rasa terbuku dihati sanubari untuk menyoal mengapa dan kenapa kita menukarkan barangan kita yang ada nilai sebenar dengan sekeping kertas yang tiada nilai sebenar .Apa dia maksud Ringgit sebenar nya ? Paling baik; bolehlah kita tafsirkan sebagai ianya merupakan catitan hutang yang dijamin oleh Bank Negara kita! Pun demikian sekiranya anda beranikan diri pergi menuntut hutang tersebut dibayar dengan sesuatu yang nilai setimpal dengan nilai hutang tersebut dari Bank Negara; saya percaya mereka sendiri pun akan terpinga-pinga untuk menunaikan hajat anda ! Nak dibayar hutang tersebut dengan apa ? emas? Ringgit tidak lagi ada sandaran dengan emas atau perak sejak tahun 1971! Bukan kah ini bererti Ringgit sebenarnya bukan catitan hutang yang dijamin oleh kerajaan atau Bank Negara atau oleh sesiapa pun!! Menyedari hakikat ini kita akan membuat suatu konklusi bahawa adalah sangat tidak adil dan melanggar kebebasan kemaanusian apabila rakyat Malaysia dipaksa menerima penggunaan Ringgit sebagai ‘legal tender’ dalam semua urusan yang melibatkan penggunaan Ringgit!
Hakikat sebenarnya ialah apabila kerajaan mengenakan perundangan legal tender terhadap rakyat sebagai alat pertukaran adalah suatu paksaan yang menyekat kebebasan rakyat daripada kebebasan dan keredhaan pihak yang ditawarkan Ringgit Malaysia menerimanya. Mereka tiada pilihan terpaksa menerima Ringgit. Perundangan legal tender memaksa sipenjual menerima pembayaran dengan Ringgit apabila sipembeli menawarkanya ! Jika sipenjual tidak mahu menerima Ringgit; perundangan legal tender berkuatkuasa! Sipenjual boleh diheret ke mahkamah dengan penolakan penerimaan pembayaran dengan Ringgit! Hakikatnya dengan memaksa perundangan legal tender keatas sipenjual; pihak kerajaan memaksa sipenjual yang TIDAK ADA PILIHAN melainkan MESTI MENERIMA Ringgit untuk perniagaan dan perdagangan yang mereka lakukan. Asas inilah yang bertentangan dengan Syariah Islam! Dalam hokum-hukum Muamalat Syariah Islam dalam perkara transaksi asas perdagangan dan perniagaan mahupun dalam apa jua pertukaran yang melibatkan alat-alat pertukaran; kedua-dua belah pihak – Sipenjual dan Sipembeli atau sipemberi dan Sipenerima BEBAS menentukan samaada setuju atau sebaliknya – menggunakan Ringgit atau sebarang jenis pertukaran yang kedua belah pihak setuju menerimanya!
Pun begitu, sangat perlu diambil perhatian; perundangan ‘legal tender’ ini tidak dapat menghalang kebebasan sipenjual daripada menerima selain Ringgit apabila ditawarkan oleh Sipembeli! Ini bererti, jika sipembeli ingin membeli setin susu dengan menawarkan jam tangan beliau; tiada suatu perundangan termasuk perundangan ‘legal tender’ yang dapat menghalang sipenjual daripada menerima jam tangan tersebut sebagai alat pertukaran! Sekali gus, jika sipenjual ditawarkan dengan koin-koin dinar atau dirham; perundangan ‘legal tender’ tidak dapat menghalangnya! Jika pihak Bank Negara Malaysia atau mana-mana pihak cuba menghalang sipenjual daripada menerima koin-koin dinar dan dirham yang ditawarkan oleh sipembeli ; tindakan ini adalah sesuatu yang dianggap strange atau pelik kerana tiada mana-mana Negara didunia hari ini mengimplimentasikan suatu perundangan yang memaksa rakyat mereka MESTI HANYA MENERIMA PEMBAYARAN DENGAN WANG-WANG NASIONAL NEGARA MASING-MASING SAHAJA! Kerana perundangan sebegini menyekat kebebasan asas dalam kehidupan sesaorang insan dimuka bumi ini dan semestinya dalam dunia hari ini yang mengamalkan kebebasan bersuara dll adalah suatu tindakan yang tidak adil dan diluar kemanusian asas! Ini bermakna PEMBELILAH YANG MESTI MEMBUAT TAWARAN DENGAN WANG DINAR DAN DIRHAM SUPAYA SIPENJUAL DAPAT TERLEPAS DARI JERAT ‘LEGAL TENDER’! Inilah juga ruang yang memungkinkan kita rakyat Negara kita khasnya untuk kita kembali menawarkan koin-koin dinar dan dirham dalam setiap transaksi urusan jual/beli Insya Allah! Maksudnya jika sipembeli menghulurkan selain Ringgit; sipenjual BOLEH dan BEBAS menerimanya tanpa melanggar perundangan legal tender!
Kebebasan umat Islam sebagaimana yang digariskan dalam perundangan Muamalah Syariah dalam transaksi perdagangan dan perniagaan adalah pada suatu istilah ‘aantarodhin minkum’ atau maksudnya ‘kedua belah pihak dalam transaksi tersebut mestilah redha meredhai’! Sipenjual redha menjual barangan nya dan redha serta bebas memilih sebarang alat pertukaran yang ditawarkan dan sipembeli redha menerima barangan yang ditawarkan serta bebas menawarkan alat pertukaran asalkan sahaja sipenjual setuju menerimanya!. Jika inilah asas antara sipenjual dan sipembeli dalam sesuatu perdagangan dan peniagaan, maka inilah hokum Syariah Muamalah Islam yang selama ini kita abaikan! Aneh! Tetapi impaknya amat ketara sekali kerana dengan adanya amalan legal tender yang dikenakan atas rakyat; kebebasan sipenjual yang terpaksa menerima Ringgit apabila ditawarkan adalah suatu paksaan yang melanggar hak asasi kemanusian dalam urusan perdagangan dan perniagaan sebenarnya.
Tahukah anda bahawa perkara kebebasan memilih alat penukaran ini – bererti sipenjual dan sipembeli atau sesiapa pun atas apa jua hajat kebutuhan menggunakan wang MESTILAH DIBERIKAN KEBEBASAN MEMILIH! Impak penyataan Syariah ini amat besar implikasinya dalam kehidupan ini! ‘AANTARODHIN MIN KUM’ bererti juga kerajaan Kelantan sebagai contoh TIDAK BOLEH MEMAKSA RAKYATNYA MEMILIH UNTUK HANYA MENGGUNAKAN DINAR DAN DIRHAM SAHAJA DALAM APA JUA URUSAN MEREKA!! Ini maksudnya! Jadi membawa kembali penggunaan wang-wang Syariah sepertimana yang dirancang oleh Kerajaan Kelantan adalah SUATU PILIHAN PENGGUNA atau RAKYAT dan HANYA MEREKA yang BOLEH MEMBUAT PILIHAN SAMAADA MAHU ATAU TIDAK MENGGUNAKANNYA….DALAM MUAMALAH ISLAM TIADA PAKSAAN ! Hatta rakyat bebas samaada mahu memilih Ringgit atau koin-koin dinar dan dirham dalam apa jua keadaan. Sekiranya Kerajaan Negeri Kelantan contohnya MEMAKSA RAKYATNYA MENERIMA KOIN-KOIN DINAR DAN DIRHAM INI ADALAH SUATU KESALAHAN DAN MELANGGAR HUKUM MUAMALAH SYARIAH ITU SENDIRI! Maka percayalah KERAJAAN KELANTAN TIDAK AKAN MEMAKSA RAKYATNYA dan TIADA CADANGAN UNTUK MEMBUAT PERUNDANGAN LEGAL TENDER KEATAS RAKYATNYA sepertimana yang gembar gempurkan oleh sesetengah pihak semasa pelancaran Dinar Kelantan pada hari yang bersejarah 20hb September 2006 dahulu! Penggunakan koin-koin dinar dan dirham dan edarannya sebagai wang yang sah didalam Syarak terletak dalam tangan rakyat Negeri Kelantan khasnya dan semua warga Malaysia amnya terutamanya kaum Muslimin dan Muslimat di Negara kita Malaysia tercinta ini sahaja! Insya Allah!
Dengan suatu ketentuan kaedah Syarak dalam Muamalah ‘Aan tarodhin min kom’ sahaja sudah Nampak betapa kesempunaan agama Islam ini kerana implkasi –redha meredhai antara kedua belah pihak ini bermakna pada penggertian yang lebih luas; adalah suatu FREEDOM atau kebebasan dari mana-mana pihak didalam negeri; Negara mahupun diperingkat antarabangsa ! Islam memahatkan bahawa PERKARA MATAWANG INI TERSANGAT PERLU DIBEBASKAN DAN BUKAN DIKONGKONG DAN PERLU DIKAWALSELIA OLEH SESIAPA PUN! Dalam konteks monetary hari ini; perkara inilah yang menjadi akal tunjang nya! Tahukah anda masyarakat dunia dan pihak yang ada kuasa hari sedang merancang untuk menyatupadukan semua maanusia supaya tunduk kepada pemilihan SATU MATAWANG sahaja ? Ia akan bermula dengan rancangan regional currencies kemudian akan seterusnya beraleh kepada satu matawang dunia kononnya demi mencapai kesejagatan ummah! Inilah rhetorika yang mereka dan semua pemimpin dunai hari ini termasuk Negara kita dalam menanggani kononnya krisis ekonomi dunia hari ini! Percayalah bagi kita umat Nabi Muhammad SAW; kita harus berpegang pada tali Allah SWT dan percaya HANYA Allah SWT dapat memandu kita mencapai kesejahteraan dunia dan akhirat dengan mengembalikan muamalah Syariah kita sepertimana amalan muslimin dan muslimat di sebuah negeri yang mendapat cahaya hidayah Allah SWT – AMALAN HIDUP PENDUDUK DI MADINATUL MUNAWWARAH sahaja yang mampu membawa penyelesaikan masaalah kita! Hanya Allah SWT sahaja yang kita sembah dan kepadaNYA sahaja kita mendaulatkan! ALLAH HU AKBAR!Bersambung…

Wednesday, September 23, 2009

Dinar & Dirham Pemankin Daulah Islam

1.0 Pengenalan

Alhamdullillah! dengan izin Allah SWT jua kita dipertemukan sekali lagi setelah 9 bulan dahulu Emas Dinar Kelantan dilancarkan oleh Tuan Guru Dato’ Nik Aziz Bin Nik Mat pada tanggal bersejarah untuk kita rakyat Negeri ini - 20hb September 2006 . Majlis kali ini tidak kurang bersejarahnya kerana kali ini kita adalah dalam melancarkan Emas Dinar Keputeraan Al Sultan Kelantan yang kita semua kasehi ! Daulat Tuanku! Semoga Allah SWT mencucuri rahmat dan keberkatan pada pertemuan kita dihari ini pula dan semoga usaha kita mengembalikan sinaran emas dinar dan dirham mendapat restu dari Illahi! Insya Allah dan Allahu Akbar!.

Saudara/saudari kaum Muslimin dan Muslimat yang saya kasehi dan hormati, sebelum saya pergi lebih jauh, ingin saya sampaikan kepada tuan-tuan dan puan-puan dalam majlis ini akan suatu peristiwa yang sangat menyayat hati sanubari saya dan ianya sekali gus merupakan kesenambungan niat dan cita-cita murni seorang Yang Dipertua MAIK Kelantan sendiri ! Pada tahun 1981; saya adalah bersama sekumpulan 12 orang baru balik dari lawatan selama 3 minggu ke Negara Mesir . Dalam kumpulan 12 orang tersebut ; termasuk 4 orang dari negeri Kelantan Darul Na’im sebagai mewakili negeri ini . Kami telah di pilih untuk pergi berkursus di Universiti AlAzhar, Kaherah dan sekembalinya kami ; cadangan ialah untuk menubuhkan sebuah Bank Islam sapertimana realiti perlaksanaanya hari ini. Malangnya niat ini tidak kesampaian ! sebab nya ? Sebabnya sapertimana saya sampaikan kepada beliau isu penubuhan sebuah Bank adalah sepenuhnya dibawah kekuasaan Kerajaan Pusat dalam apa yang dikenali sebagai ‘Federal isu’ dalam Perlembagaan Malaysia[1] ! Hari ini genaplah 25 tahun –niat murni dan ikhlas seorang Yang Dipertua MAIK ini! Tuan-tuan dan puan-puan besar kemungkinan kejayaan kita mengembalikan dinar hari ini adalah berkat doa beliau ! Insya Allah! Marilah kita sama-sama doakan semoga Yang Dipertua MAIK yang memegang jawatan ini hari ini juga akan menyambungkan hasrat murni ini ! Semoga Allah SWT mencucuri rahmat keatas roh dan ditempatkan beliau ditempat yang terpuji ! amin. Kita akan balik kepada perkara ini semula diakhir ceramah kita nanti Insya Allah !

Saudara/saudari kaum Muslimin dan Muslimat yang dirahmati Allah SWT sekelian!

Ambo bukan orang pandai sangat sebenarnya. Ambo nak tabik dari awal. Ambo sendiri pun macam kebanyakan kita semua – terjebak sama dalam kancah amalan riba ni ! Kita sekarang ni duduk dalam satu kawah besar sebenarnya ! Ambo pun tahu dengan yakin mengenai amalan riba ini sejak tahun 2004. Inilah hakikat kita semua ! – jadi dari awal lagi ambo nak tabik bahawa kalau apa yang ambo kata hari ini kena atas ‘batang erong’ kita sendiri ; atau siapa makan cili maka rasa pedas – maka ambo harap marilah kita ambil sikap yang terbuka. Kebenaran itu dari Allah SWT[2] - Salah satu nama Allah SWT ialah Al-HAQ maka kita kena terima dulu hakikat nya dengan segala kerendahan diri ; Keikhlasan kita ialah kita harus terima yang Haq itu tanpa berdaleh - selepas itu barulah kita cari jalan keluar. Insya Allah. Kita tuan-tuan dan puan-puan adalah pada tangga yang sama sahaja. Mungkin ambo lebih tahu sekarang tapi yang Allah SWT nak tengok ialah sejauh mana keikhlasan kita dalam menangani perkara ini secara individu! Kubur kita masing-masing! Jadi ambo ni tidak ada sebarang kelebihan dari tuan-tuan dan puan-puan dan hanyalah sikap dan tindaan kita selepas kita tahu apa sebenarnya amalan riba ini sahaja ambo percaya adalah jauh lebih mustahak dari hanya tahu bercakap tapi buatnya tidak jugak! Ketakwaan sesaorang itu bukan di ukur pada percakapannya tapi pada perbuatan dan tindak tanduk kita Insya Allah !

Atas keinsafan ini pada kesempatan hari ini marilah kita berkongsi pengetahuan dengan ambo kerana perkara mengenai amalan riba ini Allah SWT telah menempatkan diri saya yang serba kekurangan ini sejak dari awal ambo kerja lagi sehinggalah sekarang . Alhamdullillah. Kita sekarang ni tuan-tuan dan puan-puan - Macam dalam satu kawah besar – persoalan kita ialah bagaimana nak keluar dari kawah riba ni! Tapi sebelum itu sudah pastilah kita mesti tahu dulu apa dia yang dikatakan amalan riba itu dok ?

2.0 Fahaman amalan riba dahulu dan apakah terhapus amalan riba ini dengan adanya Perbankan Islam dan produk-produk yang namanya bunyi ‘Arab’.

Tuan-tuan dan puan-puan semoga kita semua didalam rahmat Allah SWT sekelian !

Kebanyakan kita kaum Muslimin dan Muslimat tahu amalan riba itu adalah suatu perkara haram yang Allah SWT kencam dan benci dengan tak ada kompromi! Semua orang Islam kebanyakan tahu juga bahawa dinar dan dirham adalah matawang zaman Nabi Muhammad SAW. Tapi selama ini gambaran amalan riba dikepala kita ialah seorang ‘ceti’ kebanyakanya dari kaum India ( maaf bukan maksud menghina kaum India sebenarnya ) ; pakai payung beri hutang dan kutip hutang dengan bayaran lebih yang dipanggil ‘bunga’ atau ‘interest’! Kalu pun dikepala kita ada fahaman lain – maka istilah baru ialah ‘ Pinjaman dari Along’ yang mana mereka memberi pinjaman wang dengan mengenakan ‘bunga’ yang tinggi ; lepas tu bila tak bayar dia tunggu nak pukul kepala orang . Jadi kalu tak ambil pinjaman dari ceti dan Along gak tak adalah amalan riba . Kita ni bersihlah dari riba atau jika berhutang pun kalau melalui institusi –institusi yang namanya pun dah Islam atau nama bunyi Arab sikit maka memadailah tu – jika kita langgani institusi-institusi tersebut maka kita sudah keluar dari kancah amalan riba ! Sesetengah daripada kita mengambil sikap ; buat apa nak persoalkan lagi perkara riba ni – bukankah pihak Kerajaan Malaysia telah perihatin dengan masaalah kaum Muslimin dan telah sediakan kemudahan-kemudahan yang para ulama’ tanah air pun memberikan jaminan bahawa ianya adalah mengikut Syariat Allah SWT. Buat apa nak buat susah-susah bangkitkan mengenai amalan riba lagi ! Berat ambo hari ni jika tuan-tuan dan puan-puan tabik dengan ambo begini ! Jadi sebelum kita masuk kegelanggan ambo nak minta izin untuk membahaskan balik fahaman ini serta merongkai kembali fahaman-fahaman yang sudah lama bertapak dalam diri kita selama ini kepada suatu pengertian amalan riba yang mana matahati kita lama tertutup akan hakikatnya.

3.0 Fahaman Amalan Riba diabad ini dan dakwaan Amalan Riba adalah Strategi Utama – Dajjal & Suku-sakatnya Ya’juj dan Ma’juj yang tak pernah di bincangkan .

Saudara , saudari kaum Muslimin muslimat sekelian,

Saya nak membuat suatu dakwaan besar hari ini . Dakwaan ambo ialah AMALAN RIBA INILAH ASAS UTAMA ; ATAU STRATEGI UTAMA ATAU SENJATA UTAMA –DAJJAL DAN SUKU SAKATNYA - YAJJUJ DAN MA’JUJ UNTUK MENUNDUKAN TAMADDUN MAANUSIA ! Ianya bermula sejak wafatnya Nabi Besar kita –Nabi Muhammad SAW lagi! Insya Allah akan saya buktikan kepada tuan-tuan dan puan-puan nanti. Atas asas inilah tajuk ceramah saya hari ini bahawa dinar dan dirham adalah pemankin utama untuk menegakkan kembali Daulah Islamiyah sebenarnya ! Tanpa kita mewujudkan dan kembali balik kepada penggunaan dinar dan dirham ; jangan kita bercakap pasal perjuangan menegakkan Islam ! Bagi pendapat ambo – tak jadi gapo ! Tuan-tuan dan puan-puan tahu …hokum hudud tak leh nak dipraktikan selagi kita tidak berurusan dengan emas dinar dan dirham serta lain-lain matawang sunnah. Cuba bayangkan macam mana nak potong tangan sipencuri jika kita terpaksa cari harga pertukaran emas ¼ dinar dengan matawang kertas Ringgit Malaysia setiap hari ? Had minima dalam Syarak ialah bila pencurian adalah pada kadar ¼ Dinar ? Jadi kalu hari ini harga emas RM 98 untuk ¼ dinar esok boleh jadi lebih rendah atau lebih tinggi pulak dari harga hari ini! Mana ada keadilan ? Kesian sipencuri yang sudah kena potong tangan pada masa harga emas turun dan terlepas sipencuri yang mencuri masa harga emas naik ! Macam mana nak membawa keadilan dalam masyarakat selagi asas keadilan dalam kehidupan tiada ! Asas keadilan tidak boleh bertapak selagi kita tidak kembalikan penggunaan dinar & dirham semula. Sebab itulah menegakkan daulah Islamiyyah kita mesti kembali menggunakan dinar dan dirham dengan tiada bertolak ansur atau berkompromi!

Tuan-tuan dan puan-puan yang saya kasehi semoga kita dalam rahmat Allah SWT sekelian!

Akan saya buktikan dakwaan saya ini Insya Allah ! Saya nak mulakan dengan mengatakan perkara yang kita semua tahu –iaitu ayat terakhir yang diturunkan yang menamatkan misi Kenabian Rasullullah SAW bukan ayat yang mengatakan kesempurnaan agama Islam – Al Quran Surah Al Maidah Ayat 3:
‘‘ Pada hari ini , Aku telah sempurnakan bagi kamu agama kamu, dan Aku telah cukupkan nik’matKu kepada kamu…’! Sepatutnya kesempurnaa misi Rasullullah SAW tamat dengan ayat ini kerana Baginda sebelumnya telah melakukan Haji, dan telah memberikan pesanan terakhir beliau semasa di padang Arafah !

Sebaliknya ayat terakhir yang menamatkan misi Rasullullah SAW ialah ayat mengenai amalan riba ! ia-itulah Surah Al Baqarah ayat 278 hingga 282 ! Cuba perhatikan tafsiran ayat ini

‘ Wahai orang-orang yang beriman, bertakwalah kamu kepada Allah dan tinggalkanlah saki baki riba itu, jika BENAR kamu orang-orang yang beriman. Jika kamu TIDAK JUGA melakukan perintah mengenai larangan riba itu), maka ketahuilah kamu : akan adanya peperangan dari Allah …’ ! Surah Al Baqarah ayat 278 hingga 282

Kalau dulu matahati kita tidak dapat memahami implikasi mengapa Firman Allah taala mengenai amalan riba diturunkan sebagai ayat penamat…maka hari ini terbukalah tabir yang menjadi dinding matahati kita memahami hikmah disebaliknya Insya Allah sudah nyata kepada kita sebabnya! Ayat ini adalah AMARAN KERAS kepada kita umat Nabi Muhammad SAW bahawa selepas wafatnya Rasul pilihan Allah SWT; gejala besar kepada KEIMANAN kita ialah gejala amalan RIBA !! Bahawa kedaulatan Islam akan tergadai kalau kita tak pegang perkara mengenai riba ini!! Dan inilah yang terjadi….KeDaulatan Islam kita gugur pada tahun 1924 dengan keruntuhan Kerajaan Islam Berkhalifah – Khalifah Uthmaniyyah !!

Berketepatan sekali dengan pengakuan seorang ulama yang saya kasehi dan hormati:

‘ Kami para ulama telah meninggalkan bidang mua’malah beratus-ratus tahun sehingga diumpamakan kami sekarang dalam suatu hutan yang sangat tebal…kami sendiri pun tidak tahu jalan untuk keluar dari hutan ini manakan nak menunjukki orang lain jalan untuk keluar !’

Tuan-tuan dan puan-puan yang saya hormati dan kasehi semoga kita dalam rahmat Illahi Insya Allah sekelian,

Firman Allah SWT dalam ayat tersebut adalah sebuah ayat mahkamat – bererti ianya merupakan ayat yang tidak memerlukan apa-apa tafsiran lagi ! Ianya jelas memberikan AMARAN KEPADA KITA untuk berlepaskan diri dari amalan riba ini dan jika kita masih juga mengambil dan memberi serta mencatitkan urusan atau pun menjadi saksi kepada perjanjian muamalah riba dan/atau menjadi pula penjamin kepada kawan kita yang berurusan menthabitkan riba….kita semua ADALAH MUSUH ALLAH DAN MUSUH RASULLULLAH SAW ! Wan au zubillah ! berat kita ini …KEIMANAN KITA TERGUGAT ! macam mana …jika ALLAH & RASULNYA MEMUSUHI KITA…mana ada can nak ke syorga oii ! Ambo rasa takut dan gelisah sekali; hinggakan ambo ini sebenarnya malu dan takut nak berdepan dengan tuan-tuan dan puan-puan sebenarnya tapi terpaksa gagahkan diri buat berani ! Hanya Allah SWT jua yang berikan kekuatan kepada kita menangganni semua ini Insya Allah!

Sekarang tentulah tuan-tuan dan puan-puan akan tanya ambo ; dok cerita apa yang kita semua sudah tahu ! woyak lah pulak apa yang orang tak tahu !

4.0 Mekanisma Amalan Riba – Dajjal, Ya’juj dan Ma’juj di Abad Ini untuk menundukkan ummah maanusia.

Baiklah, ambo tadi telah buat satu dakwaan bahawa Dajjal dan suku sakat mereka Ya’juj dan Ma’juj telah menggunakan amalan riba untuk memasang strategi pengguasaan atas umat maanusia seluruh dunia termasuk kita umat Nabi Muhammad SAW sejak dari dulu lagi hingga sekarang. Sekarang barulah ambo nak woyak Mekanisma atau cara mereka mencanang amalan riba ini kepada tuan-tuan dan puan-puan !

Ada dua mekanisma atau cara besar dan penting mereka rancangkan penaklukan keatas umat maanusia didunia ini:

Pertama ialah mekanisma matawangkertas yang tiada berasaskan emas lagi. Saya tidak mahu bangkitkan disini samada sekiranya matawangkertas bersandarkan emas boleh atau tidak. Perkara itu kena ceramah sekali lagi! Cuma nak jelaskan disini - dah lah kita guna kertas sebagai matawang; pulak tu matawang kertas hari ini tak ada nilai pun kerana hanya bersandar kepada sama-sama matawangkertas lain Negara jugak.

Kedua ialah melalui system perbankan dan kewangan. Seluruh dunia hari ini adalah menggunakan konsep apa yang diistilahkan sebagai ‘Fractional Reserve Banking’-FRB . Dalam istilah tanah air kita dipanggil “RESEB BERKANUN” ATAU “ STATUTORY RESERVE”. Yang dimaksudkan ialah ‘hanya sebahagian kecil sahaja wang deposit dalam bank yang dijadikan reseb untuk orang ramai keluarkan wang dari bank; la ni di seluruh bank di Malaysia - hanya 6.5% sahaja sebahagian besarnya iaitu 93.5% adalah digunakan untuk memberikan pinjaman atau pembiayaan ‘atas angin’ sahaja. Akan ambo ceritakan dengan secara yang paling mudah difahami Insya Allah. Inilah tuan-tuan dan puan-puan jenis riba yang ada pada hari ini.

Yang satu matawangkertas yang tiada nilai sebenar ( menyebabkan tidak adil dan menipu !) dan yang satu lagi mekanisma pinjaman dan pembiayaan yang diberikan atas angin sahaja ! ( jugak tidak adil sebab kita bayar hutang bank dengan penat lelah kita kerja tapi mereka ambil ‘bunga’ atau ‘keuntungan’ atas angin sahaja! Adil kah tu? )!

Sapertimana Firman Allah SWT dalam Surah Al Baqarah Ayat 188 :yang bermaksud :


Sapertimana ambo buat kenyataan tadi bahawa Dajjal dab suku sakatnya Ya’jujj dan Ma’jujj membuat suatu strategi yang begitu utuh . Inilah gambaran “zaman fitnah” yang diceritakan oleh Nabi besar kita Nabi Muhammad SAW !

4.1 Riba Dalam Matawangkertas – Mekanisma Pertama - Ummah kena tipu disiang hari !

Tuan-tuan dan puan-puan semoga kita dikasehi dan dirahmati Allah SWT sekelian!
Biar ambo cerita mengenai matawangkertas ini dulu. Dajjal dan suku sakatnya pandai menggunakan taktik ‘ DECEPTION’ atau dalam istilah kita ? ‘TIPU HELAH’ ? Bukan kita sahaja malah seluruh 44 buah Negara pada tahun 1945[3] , selepas perang dunia kedua hantar perwakilan termasuklah Malaysia menghadiri suatu mesyuarat di Brettonwoods di Amerika Syarikat. Pada awalnya mereka gaya 44 orang perwakilan ini untuk menerima Dollar Amerika menggantikan emas dan perak sebagai reseb sandaran kepada percetakan matawang kertas Negara mereka masing-masing! Ini bermakna walaupun pada masa tu kebanyakan Negara sudah guna matawangkertas tapi Bank Negara masing-masing menggeluakan matawangkertas mereka bersandarkan emas dan perak. Di sesetengah Negara pada masa itu masih menggunakan dinar dan dirham sebagai matawang mereka atau pun kedua-dua sekali. Inilah jerat yang mereka pasang. Kerajaan Amerika Syarikat untuk mengaburkan mata wakil persidangan telah membuat satu perjanjian lain yang menjamin Dollar Amerika ada sandaran emas dah ia itu sebanyak A$35[4] bagi setiap Auns emas. Jadi mereka gaya ahli-ahli perwakilan bahawa jika mereka ambil Dollar Amerika ; ianya semacam simpanan emas dah jugak! Buat apa nak sandarkan emas dan perak lagi! ‘Dollar America as good as gold’! Jadi perwakilan dari 44 buah Negara pun setuju mengambil Dollar Amerika sebagai matawangkertas reseb dunia dan sekali gus menerimalah Dollar Amerika menggantikan reseb emas di Bank-Bank Negara masing-masing. Kerajaan Amerika Syarikat memberikan jaminan bahawa sekiranya dituntut oleh mana-mana Bank Negara yang menandatanganni Perjanjian Brettonwords 1945 ini ; mereka bersedia memberikan jokong-jokong emas kepada Bank Negara tersebut. Inilah jaminan Amerika Syarikat waktu itu ! Mereka simpan emas jokong di satu tempat bernama Fort Knox di Amerika Syarikat.

Pada tahun 1959 Negara Amerika Syarikat masuk dalam Peperangan Vietnam ( Vietnam War) ; [5] Kenapa dan mengapa Amerika Syarikat masuk atau melibatkan Negara mereka juga kemungkinan sebahagian daripada agenda Dajjal jugak tu tapi kita tak se bangkitkan disini. Masuk perang bererti Nagara Amerika memerlukan wang yang banyak . Negara Amerika Syarikat telah mencetak tiga kali lebih banyak Dollar Amerika dari pegangan emas dalam reseb mereka! [6] Maka pada tahun 1971 Negara Amerika Syarikat telah terhutang melebihi sebanyak 57 Billion! President France pada masa itu – General De Gulle cerdik- dia menuntut lebihan dagangan dengan Amerika dibayar dengan emas jokong yang disimpan oleh Amerika lah ! Kerajaan Amerika Syarikat sendiri adalah terjerat - maka pada tahun 1971 semasa President Richard Nixon – beliau terpaksa bertindak ! Beliau telah mengistiharkan matawang Dollar Amerika bukan lagi bersandar kepada emas! Tak panggil ‘kena tipu’ kita semuanya ? Inilah helah Dajjal ! Baik-baik kita ada emas sebagai sandaran wangkertas kita dia gaya suruh tukar ke Dollar Amerika! Lepas tu dia kata Dollar Amerika tak akan bersandar kepada emas dah ! Jadi Dollar Amerika sebagai simpanan reseb matawang kita apa jadi ? Tidak ada nilai jugak lah ! Inilah yang terjadi tuan-tuan dan puan-puan . Jika kita kata ‘kan mung dah berjanji Dollar Amerika ada sandaran emas dulu’ mereka akan memberikan jawapan ‘kami tidak berjanji dengan kamu sebegitu! Kami buat perjanjian lain bahawa Dollar kami akan bersandar dengan emas! Jadi kamu tiada hak nak sekat kami !’ Begitulah halnya. Maka semenjak dari tahun 1971; semua matawangkertas ahli-ahli Perjanjian Brettonwoods KENA TIPU! Amerika Syarikat pun membenarkan semua ahli-ahli Perjanjian tersebut mencetak matawangkertas Negara mereka masing-masing tanpa sebarang sandaran kepada emas dah sehinggalah kehari ini!

Tuan-tuan dan puan-puan yang saya kasehi sekelian!

Yakinlah bahawa kita semua kena TIPU HELAH dan diperdayakan oleh Dajjal yang membuat strateginya dari belakang tabir ini ! Tahukah tuan-tuan dan puan-puan kertas-kertas matawang yang kita gunapakai hari ini sudah lama diistiharkan ‘HARAM’ OLEH PARA ULAMA’ KITA ? Tapi ini pun satu perkara yang pelik juga kerana Para Ulama tidak kata “matawangkertas HARAM’ secara terang, yang mereka putuskan ialah ‘matawangkertas adalah diterima untuk kegunaan kerana keadaan DHARURAT’! Tak ke pelik tu ? Kita kena buat takrif sendirilah nampaknya. Bahawa yang diputuskan oleh ulama’ ialah MATAWANGKERTAS ADALAH HARAM; tapi olehkerana keadaan menjadi DHARURAT dan atas muslihat semasa; maka terpaksalah gunapakai matawangkertas ini ! Kita nak tanya; kalau para ulama’ putuskan ianya adalah diterima pakai kerana keadaan ‘dharurat’ bila pulak perancangan nak keluar dari keadaan dharurat ni ? Nampaknya tak ada apa-apa perancagan pun! …setahun ke…sepuluh tahun ke ? Yang kita nampak- Kerajaan dari semua Negara yang menjadi ahli kepada Perjanjian Brettonwoods pun boleh tumpang semangkok ! Ah semua Negara didunia pakai kertas yang tiada nilai sebenar sebagai matawang mereka ; bodohlah kalau aku nak buat keras kepala ya tak ? Agaknya kalau tuan-tuan dan puan-puan diberikan can macam ni pun agaknya lekat ke kita pada perinsip kita ? Dah disorongkan bantal…orang mengantuk ! Godam gi lah ! Lega pemimpin sesebuah negara itu; mereka boleh mencetak matawangkertas sendiri tanpa batas! Tak gitu ? Saudara-saudari kaum Muslimin sekelian, tambahan pula sebuah institusi baru bernama International Monetary Fund atau IMF ditubuhkan pada tahun 1945[7] yang mana ahli-ahli asalnya adalah 29 buah Negara yang sama menandatangani Perjanjian Brettonwoods !. Peribahasa Inggeris ada mengatakan ‘ If you cannot beat them you join them’!! terjemahan : kalu kita tak leh kalahkan mereka kita sepakat dengan mereka sajalah!

Ambo tidaklah tuduh Kerajaan kita ! Negara Malaysia tidaklah sejahat itu; kita ada reseb matawangkertas Dollar Amerika; Yen dan Euro sebagai sandaran Ringgit Malaysia ! Pemimpin-pemimpin kita diMalaysia ini Alhamdullillah tidaklah sampai ketangga tu… tapi lihat apa terjadi kepada Negara jiran kita ? Kerajaan mereka mencetak terlalu banyak matawangkertas Negara mereka sehingga 2500 rupiah baru boleh disamakan dengan satu Ringgit Malaysia ! Buruh negara jiran kita ini dibayar 7500 rupiah sehari atau Ringgit Malaysia baru 3! Bayangkan saudara; betapa ketidakadilan ekonomi dalam dunia !

Dalam hokum Syarak kita jugak ; adalah HARAM kita berjualbeli dengan menggunakan secorek kertas yang tiada sebarang nilai! Hukum Syarak kita tidak benarkan tak soh kata kalu kertas tu tiada nilai ; kalu kertas tu kertas coretan hutang pun tak leh ! SiPenjual mestilah dibayar dengan sesuatu yang nilainya sama atau setimpal dengan barangan yang diberikan oleh si Penjual! Dalam hokum Syarak kalau nak dikatakan matawangkertas kita tu adalah jaminan Bank Negara …pun tak jadi jugak. Kerana kalu kita bawa kertas tu pergi ke Bank Negara minta sesuatu yang ada nilai bersamaan dengannya dia tak akan beri ! Jadi jaminan gapa tu? Hukum Syarak kita tak lekat pun ! Satu lagi aspek matawang kertas ni ialah; ia dicetak dari masa kesemasa pada asas yang diberikan andaian semata-mata; ketumbuhan ekonomilah; hasil penggeluaran Negara yang bertambahlah dll. Kalu terlebih cetak kertas; jadilah ‘inflasi’ – erti sebenarnya ? terlebih cetak wang tapi barangan tak bertambah seberapa yang di jangka pun! Nilai Ringgit Malaysia dari tahun ke setahun jatuh …itu sebabnya 10 tahun dulu ikan selayang baru RM2 sekilo la ni RM4.50 sekilo! Bukan kah Ringgit Malaysia baru dicetak mencuri nilai dari Ringgit Malaysia lama? Ini sahaja pun menjadikan orang miskin menjadi lebih miskin dan yang kaya semakin kaya ! Jadi kenaikan GAJI 100% BARU-BARU INI MEMBUKTI KEBENARAN YANG KITA SEMUA PERKATAKAN TADI ! Kerajaan Malaysia sendiri sudah akui bahawa matawang kertas Ringgit Malaysia telah HILANG NILAINYA !

JELASLAH : Matawangkertas yang kita gunakan hari ini adalah RIBA yang tidak boleh dipertikaikan lagi !!

4.2 Riba dalam Sistem Perbankan Islam dan Konvensional hari ini yang besar macam seekor Raksaksa!! Mekanisma kedua

Tuan-tuan dan puan-puan kaum Muslimin dan Muslimat sekelian! Semoga kita berkekalan dalam rahmat dan kaseh sayang Allah SWT ! amin!

Mekanisma kedua ialah melalui system perbankan dan kewangan. Melalui mekanisma inilah seluruh dunia adalah dalam satu fenomena ‘hutang’ sehingga hari ini dibudayakan dan menjadi suatu perkara yang paling sukar untuk kita buang dalam kehidupan kita diabad ini! Ambo nak cerita suatu cerita yang sungguh mengonjangkan kehidupan kita hari ini sehingga –hampir kesemua kita tak dapat tidak pasti akan tergoda dengan budaya hutang ni! Ini yang sangat susah kita nak basuh diri kita ni tuan-tuan dan puan-puan.

Macam mana kah PENIPUAN PADA SISTEM PERBANKAN dilakukan ? Agak ambolah - boleh jadi tekaan ambo ni tak berapa kena . Tapi tak salah disisi agama kita nak buat tekaan sahaja kemungkinan mekanisma inilah yang dikatakan oleh seorang warga Amerika – Edward G Griffin sebagai ‘RAKSAKSA YANG KELUAR DARI KEPULAUAN JEKYLL’[8] kerana pada tahun 1917 terjadi sebuah mesyuarat yang penuh misteri berbincang melahirkan penipuan ini yang diistilahkan sebagai ‘FEDERAL RESERVE DEPARTMENT ’ atau FRD ! Tahukah tuan-tuan dan puan-puan, mekanisma yang dipelupori FRD inilah sehingga kehari ini mengkawal seluruh pencetakan matwangkertas Dollar Amerika dan juga bank-bank di Amerika dan Europah sehingga hari ini ? Kalau pun FRD ini tidaklah ada hubungan apa-apa dengan Bank Negara kita atau di sebelah Asia ini tapi ASAS PERBANKAN YANG DIPELUPORI OLEH FDR INILAH YANG DIGUNA PAKAI DISELURUH DUNIA! Rakyat Amerika sendiri pun kena tipu sekali lagi ! Bunyi perkataan ‘Federal’ memberikan gambaran ianya dari kerajaan dan rakyat Amerika , tapi hakikat sebenarnya daripada 12 syarikat yang bergabung dalam FRD ini hanya dua syarikat persendirian rakyat Amerika Ahli-ahli lainnya adalah terdiri dari syarikat-syarikat dari England dan Europah !

Tuan-tuan dan puan-puan semoga kita dirahmati Allah sekelian,

Ambo nak cerita biar habis supaya tak dok timbul lagi keraguan dalam kepala kita mengenai perkara ini Insya Allah. Puak-puak FRD inilah yang melahirkan mekanisma dimana setiap institusi bank dalam dunia la ni menggunakan apa yang diistilahkan sebagai ‘FRACTIONAL RESERVE BANKING’ ATAU FRB atau di Negara kita istilahnya ialah ‘RESEB BERKANUN’atau ‘STATUTORY RESERVE’! SEMUA BANK-BANK NEGARA DIDUNIA HARI INI ADALAH MEMAKAI DAN MENGGUNAPAKAI MEKANISMA INI untuk mengawalselia SEMUA BANK DALAM NEGARA MEREKA ! INILAH BINATANG RAKSAKSA sapertimana yang rakyat Amerika – G. Edward Griffin kata tadi!.

Mekanisma ini lah yang dikatakan sesebuah bank itu - termasuklah juga Bank Islam Malaysia Berhad yang ambo sendiri mempelupuri suatu masa dulu - MESTI PATUH KEPADA BANK NEGARA ! Cerita pasal Bank Islam ini pelik sikit sebab pada awalnya ambo masih ingat lagi – Bank Negara tanya nak masuk bawah kawalan mereka kah ? Kita pada masa tu – tak tahu lagi pasal perkara ini – minta nak duduk bawah Bank Negara . Kalu duduk dibawah kawalan dia sahaja supaya atas muslihat menjaga amanah orang ramai sahaja tak apalagi tapi minta pula supaya dikawalselia sapertimana bank-bank konvensional biasa dikawal dan patuh! Maka jawapnya mestilah patuh pada mengadakan ‘Reseb Berkanun’ ini! Kita sendiri pun pada masa itu tak faham dan tak tahu akan hakikat ini tuan-tuan dan puan-puan!

Tuan-tuan dan puan-puan mesti tak sabar dah nak tahu …gaponya pelik sangat ‘FRB’ atau ‘Reseb Berkanun’ istilah Bank Negara Malaysia ini yang menjadi riba yang besar sangat tu dok ?

Mari ambo serita sedikit latarbelakang puak-puak RAKSAKSA DARI PULAU JEKYLL dulu sebelum kita nak faham pasal apa siLaknatullah MEKANISMA FRB ini . Semasa peperangan CRUSADE 1095-1291 atau perang SALIB [9]antara orang Kristian dengan orang Islam lagi puak ini telah faham . Mereka ini – umpamanya – Rothchild di Europah - Datuk pertamanya bernama Mayer Amschel Rothschild [10] adalah seorang Goldsmith atau tukang emas pada zamannya. Dipendekkan cerita, mereka faham dari awal lagi bahawa orang yang menyimpan emas dengan mereka pada peperang salib tidak akan keluarkan emas dari mereka sekali gus. Hanya sebahagian kecil sahaja bertukar tangan . Lagi pun oleh kerana mereka adalah sangat dipercayai dalam masyarakat mereka - jika mereka menggeluarkan Surat simpanan emas dalam simpanan mereka ; tiada sesiapa yang akan tahu pun ! Semua oaring percaya ! Jadi puak-puak inilah yang sedar hakikat ini –antaranya anak-anak Mayer Amschel Rothschild[11] . Dia hantar anak-anaknya kesemua penjuru dunia Negara yang besar dan kuat pada masa itu untuk membawa wadah ini. Tak heranlah gang-gang ini ; selain dari Rothchild ada lagi suku sakatnya di England dan Europah mereka bermesyuarat di Kepulauan Jekyll di Amerika – Georgia untuk melahirkan suatu tipu helah yang cukup besar padahnya pada ASAS KEADILAN DIDALAM DUNIA ! Atas asas inilah dan pengalaman mereka inilah mereka mencipta FRB ini ! .

Bagaimanakah mekanisma ‘Fractional Reserve Banking’[12] atau FRB ini secara praktiknya berlaku sehingga habis sebuah EKONOMI seluruh Negara didunia hari ini ROSAK NI ? Biar ambo cerita sedikit. Tahu kah tuan-tuan dan puan-puan kita semua caya bahawa sesebuah bank itu – Bank Islam ke atau Bank tak Islam ke – memberikan pinjaman atau pembiayaan atas wang ‘Deposit’ yang kita semua masukan kepada Bank tersebutlah ! Meleset fahaman ni tuan-tuan dan puan-puan! Sebenarnya mereka ni memberikan pinjaman atau pembiayaan atas angin sahaja! Macam mana ini boleh terjadi ? Bila tuan-tuan ambil pinjaman dari Bank mereka; mereka akan mencatitkan hutang anda dan mengkreditkan pinjaman/pembiayaan perumahan. Buku kira-kira mereka selesai. Cek yang dikeluarkan untuk diberikan kepada pemaju akan dimasukan ke Bank sipemaju. Setiap hari dua kali sehari semua 9 buah Bank bertemu di Bank Negara. Mereka bertukar-tukar ceklah. Bayangkan jika RM 20 juta Bank Islam kena bayar ke Bank CIMB dan Bank CIMB kena bayar ke Bank Islam RM 18 juta ini bermakna hanya RM2 juta sahaja Ringgit Malaysia bertukar tangan! Tapi pinjaman /pembiayaan yang telah diberikan kepada orang ramai adalah RM 28 Juta ! Ini bermakna sebanyak RM 28 juta adalah ‘wang kredit’ telah di bawa dalam edaran ekonomi ! Tidak kah ini menandakan pengeluaran wang kredit yang begitu berleluasa dalam ekonomi ? Inilah yang terjadi tuan-tuan dan puan-puan! Sukar nak faham tapi mesti faham jugak kerana sudah sampai masanya kita jaga dari tidor ni ! Kalu kita tengok perangkaan yang dikeluarkan oleh Bank Negara Malaysia – M3[13] adalah melebihi 100 kali ganda M1 yang berupa matawangkertas fisikal ! Ini menandakan matawangkertas ‘kredit’ adalah 100 kali gandaan matawang kertas yang dikeluarkan ! Di Amerika Syarikat – Bank Negara mereka tidak nak siarkan dah perangkaan M3 ini kerana nanti orang tahu berapa kali kerajaan mereka cetak Dollar ! Orang akan hilang kepercayaan! Hakikat budaya HUTANG DAN PEMBERIAN HUTANG YANG TIDAK ADA SEMPADAN INILAH DUNIA KITA HARI INI ADALAH DI DALAM ‘BUBBLE ECONOMY’ atau ‘EKONOMI BUIH’ yang BEGITU KETARA SEKALI ! LA NI BUIH NI DAH MENJADI CUKUP BESAR; TERLALU BESAR…SETIAP HARI KIAN MEMBESAR SEHINGGA….NAK PECAH DOH MUNGKIN TAK LAMA MASANYA LAGI….!! APA PERSEDIAAN KITA ?? APA AKAN TERJADI PADA EKONOMI DUNIA NANTI!


Tuan-tuan dan puan –puan semoga kita diberkati Allah SWT sekelian!

Masa dikesempatan hari ini tidak mengizinkan ambo memberikan keterangan lanjut lagi mengenai perkara ini . Insya Allah sekiranya diberikan kesempatan dan tuan-tuan dan puan-puan suka untuk ambo woyak cerita lagi kita sambung lagi ya ? Cukuplah setakat ini kita bercerita mengenai amalan riba ini. Yakinlah bahawa riba adalah cukup besar diabad ini. Kita semua tenggelam dalam arus riba ini dewasa ini ! Bila ini terjadi dalam masyarakat masaalah social timbul sehingga hari ini kita menyaksikan keruntuhan moral yang begitu ketara ! Ambo tak tahulah jiwa tuan-tuan dan puan-puan – bagi ambo setiap kali mendengar berita …tok dan bapa..ada juga emak pun tak kenal anak dan cucu…merogol; membunuh; berkhalwat …ambo menanggis ! Sebab gejala –gejala ini AKAL UMBINYA ADALAH AMALAN RIBA tuan-tuan dan puan-puan kaum Muslim Muslimat sekelian kerana …….RIBA ADALAH MENGGENAI SEBUAH PENGHIDUPAN YANG TIDAK ADA KEADILAN …ROSAK SE ROSAK-ROSAKNYA!! HARI INI ORANG TIDAK LAGI KENAL ALLAH SWT ! AKHLAQ MULIA TAK ADA LAGI DOH! SEBUAH PENGHIDUPAN HARI INI ROSAK BINASA OLEH KERANA AKAL UMBINYA ADALAH AMALAN RIBA!!

5.0 Apakah Perencanaan Dajjal keatas kita Umat Maanusia pada masa yang mendatang ?

Tuan-tuan dan puan-puan semoga kita berkekalan didalam rahmat Allah SWT sekelian!

Seorang alim yang saya bawa mari ke Kota Bharu baru-baru ini ialah Sheikh Imran Hosein. Pada tafsiran beliau ; berdasarkan kepada satu hadith[14] ;

Hadith Sahih; Muslim : Sunan Tirmidhi yang diriwayatkan al-Nawwas ibn Sam’an ‘

“…kami bertanya mengenai Dajjal : Ya Rasullullah SAW, berapa lamakah Dajjal akan berada didunia? Baginda menjawab selama empat puluh hari; satu hari semacam setahun; satu hari semacam sebulan , satu hari macam seminggu dan hari-hari lainnya adalah saperti hari kamu…’!

Hadith in menceritakan perencanaan Dajjal ‘sehari semacam setahun’ ialah semasa matawangkertas reseb dunia yang pada suatu ketika dahulu secara defector adalah Pound Sterling – England sebagai pembawa agenda ‘Mastermind’ Dajjal menguasai tamaddun maanusia. Lupakah kita bagaimana Inggeris menjelajahi Negara kita dan juga Negara-negara Timor Tengah dan dunia selain Negara Islam sehingga merekalah yang membawa ideology ‘Sekularisma’ yang memisahkan perkara agama dengan perkara keduniaan ? Negara kita telah diberikan kemerdekaan tapi system perundangan kita yang kita taati hari ini – keluhuran undang-undang- Perlembagaan Federal ( Federal Constitution ).

Kemudian ‘ sehari macam sebulan’ ialah beralehnya dunia kepada menjadikan Dollar Amerika pada tahun 1945 sehingga kini sebagai matawangkertas reseb dunia dengan Perjanjian Brettonwoods. Kedurjanaan hakikat menjadikan Dollar Amerika ini matawang reseb dunia menjadikan Negara Amerika bebas mengeluarkan Dollar Amerika tanpa had dan alangkah malangnya kita diabad ini. Bayangkan seluruh Negara di dunia menggunakan Dollar Amerika ini sehinggakan jika anda ke Negara mana sekalipun matawangkertas Negara tersebut tidak boleh ditukarkan terus dengan matawangkertas Negara kita ! Kita semua kena tukar dulu kepada Dollar Amerika selepas itu barulah boleh ditukar kembali kepada wang Negara tersebut ! Tak hebat tu? Seterusnya dunia menyaksikan kemunculan Zionist state ‘ ISRAEL’ yang dilahirkan dari Negara Amerika Syarikat dan disokong hebat oleh Briton pada masa Balfour Declaration dulu pada tahun 1948 dan jugak tertubuhnya IMF yang membawa misi yang sama Dajjal dan suku sakatnya Ya’juj dan Ma’juj ini. Semua Negara di dunia adalah terikat dengan Perjanjian Brettonwoods dan IMF ini. Perjanjian Brettonwoods – memberikan ahli-ahlinya kelulusan untuk mencetak matawangkertas tanpa sandaran kepada emas doh dan Perjanjian dengan IMF memastikan ahli-ahli mereka terus menggunakan matawangkertas Negara masing-masing dengan menjadikan matawangkertas Negara masing-masing ‘LEGAL TENDER’ . Apa maksud ‘legal tender’ ini ? Maksudnya ialah apabila Ringgit Malaysia dijadikan ‘legal tender’ gak maka lakulah wang kertas itu dalam Negara Malaysia . Siapa yang memberikan mertabat itu ? Tidak lain dan tidak bukan IMF lah ! Besar dok kuasa dia ? Semua Negara didunia pun iktiraflah. Kalu Dato’ Nik Aziz membuat satu matawangkertas yang mana semua orang Kelantan percaya dan yakin padanya dan misalkan Sultan atau katalah Agung kita pun setujupun…selagi IMF tak setuju maka wangkertas Dato Nik Aziz tak leh diperlakukan untuk berjual/beli ! Bisa dak IMF atas Negara kita ? Kenapa IMF gumakan strategi begini ? Jawapan cepu mas ialah supaya dinar dan dirham atau lain-lain wang berasaskan nilai sebenar tidak boleh di gunakan lagi dalam dunia sebagai ‘monetary unit’ lagi diabad ini.

Seterusnya pada tahun 1971 sapertimana yang kita katakan tadi - perencanaan Dajjal dan suku sakatnya Ya’juj dan Ma’juj – mereka ‘tarik carpet bawah kaki kita’ dengan mengistiharkan Dollar Amerika tidak lagi bersandarkan Emas ! Ini adalah tekaan Sheikh Imran Hosein pada tafsiran ‘ sehari macam seminggu’ dalam hadith yang ambo sebut tadi. Kalau Dollar Amerika sejak tahun 1971 tak ada bersandarkan emas dah gak tuan-tuan dan puan-puan sapertimana terjadinya sekarang - bayangkan seluruh dunia yang menggunakan Dollar Amerika inilah yang sebenarnya membiayai Peperangan yang sekarang berlaku di Iraq dan Palestine ! Negara Amerika membeli semua barangan terbitan dunia dengan hanya menggeluarkan coretan kertas Dollar Amerika dan/ atau pengeluaran Bon-Bon Perbendaharaan Amerika. Ini menjadikan Amerika sebuah Negara yang berhutang terbesar didunia ! Hutang Negara ini menjangkau 14 Trillion dan masih membesar dari hari kehari! Besar kemungkinan keadaan ini tidak lagi boleh dibendung dalam masa yang tidak lama sahaja lagi ! Kita tunggu dan tengok. Sehingga tahun ini 2007; tidak kah baru hanya 26 tahun kita dalam keadaan ini ? Ekonomi dunia hari ini adalah ‘BUBBLE ECONOMY’ atau ‘EKONOMI BUIH’! Ianya tidak akan boleh bertahan lebih lama lagi…!! Percayalah tuan-tuan. Kita hanya menunggu peperangan Iran dan ISRAEL yang akan meletus tidak berapa lama lagi kata Sheikh Imran Hosein !

Tuan-tuan dan puan-puan PERENCANAAN DAJJAL ADALAH BERTERUSAN - kita akan berdepan dengan suatu zaman dimana Hadith tadi mengatakan kita akan berdepan dengan DAJJAL LAKNATULLAH pada ‘… dan hari-hari lainnya adalah saperti hari kamu…’! ini . Ingatlah tuan-tuan dan puan-puan dan ambo bukanlah Tok Nujjum Mak Belalang - MATAWANG BARU akan muncul tak lama lagi bersekali dengan KEMUNCULAN DAJJAL SENDIRI ! Dia akan mengistiharkan dirinya sebagai ‘KING’[15] atau RAJA yang akan memerintah dunia dari Ibu Negaranya Israel –di Jerussalam !Inilah jankaan mengikut Sheikh Imran Hosein.!

Bila Dajjal memerintah dunia …Dajjal akan membawa matawang barunya . Matawang baru bernama ‘DEY’[16] gabungan matawang kertas Dollar; Euro dan Yen dan JUGAK matawang electronic dimana semua transaksi adalah dalam computer bytes.! Tuan-tuan dan puan-puan kaum Muslimin dan Muslimat sekelian, ini bukan cerita lagi atau andaian semata-mata lagi kerana pada tahun 2004 ; telah diadakan satu mesyuarat di Italy – dan telah keluar dalam akhbar The Wall Street Journal hakikat tentang berita ini ! Olehkerana kesemua matawang adalah dalam computer dan matawang baru didalam tangan mereka kemungkinan besar dan tidak mustahil akan datang suatu zaman dimana kita semua adalah dijajah dan mesti mengikut dan patuh kepada Dajjal yang gila kuasa tersebut ! Siapa yang menentang akan menerima nasib buruk ; harta anda dan diri anda sendiri akan dikawalselia oleh Dajjal! Siapa yang menentang akan menerima padah yang kita tidak boleh bayangkan penyiksaannya pada waktu ini . Bukan saya nak menakutkan tuan-tuan dan puan-puan tetapi reality perkara ini berlaku adalah bukan mustahil. Apa persiapan kita ?

6.0 Apakah Perancangan Kita ? Terima Sahaja tanpa buat apa-apa? Susah sangat kah nak keluar dari amalan Riba ini ?

Tuan-tuan dan puan-puan semoga kita didalam rahmat Allah SWT sekelian!

Allah Subha nahu watala mencela sikap kita yang tidak mahu memahami keadaan semasa kita dan tidak mahu ambil tahu dan cuba memahami strategi dajjal ini sebagai binatang ternakan – lembu? Keledai? malah lebih hina dari itu sapertimana firman Allah Ta’ala dalam kitab Al Quran :

“‘dan sesungguhnya kami jadikan isi neraka Jahannam kebanyakan dari jin dan maanusia , mereka mempunyai hati, tapi tidak dipergunakan untuk memahami ( ayat-ayat Allah) dan mereka mempunyai mata tetapi tidak dipergunakannya untuk melihat (tanda-tanda kekuasaan Allah) dan mereka mempunyai telinga (tetapi) tidak dipergunakan untuk mendengar ayat-ayat Allah. Mereka itu sebagai binatang ternakan , bahkan mereka lebih sesat lagi. Mereka itula orang-orang yang lalai.” Surah Al A’raf Ayat 179

Insya Allah semoga kita rakyat dinegeri Kelantan ini tidak termasuk dalam kategori ini!
Tuan-tuan dan puan-puan semoga kita semua dirahmati Allah SWT sekelian!

Alhamdullillah! sekarang ambo harap kita semua yakin dengan suatu keyakinan yang kukuh bahawa riba adalah agenda Dajjal dan kita faham dan yakin akan mekanisma yang Dajjal dan suku sakatnya Ya’ajuj dan Mak’juj beroperasi.

Ambo nak tanya ; sungguh ko jika kita nak balik kepada berurusan dengan dinar dan dirham ini susah dalam ekonomi sekarang ni ? Adakah kita ada jalan-jalan keluar daripada keadaan kita hari ini ? Ataukah kita pasrah kepada Allah SWT tanpa berjuang menegakkan yang HAQ ? Apa yang kita secara individu boleh buat untuk lari dari keadaan ini ?

Kaum Muslimin dan Muslimat sekelian!

Allah SWT yang mempunyai nama-nama agung – Ar Rahman dan Ar Rahim ! Mustahil Allah SWT yang memiliki nama-nama yang begitu agung menjadikan perkara riba sesuatu yang susah bagi kita berlepaskan diri kita tuan-tuan dan puan-puan! Sangatlah tidak adil Allah SWT untuk menghukum kita atas amalan riba sekiranya ia adalah suatu perkara yang kita semua tidak mampu menanganninya ! Cuma yang ambo bimbang ialah diri kita sendiri yang suka memberikan alasan !

Ada yang beritahu ambo…Kerajaan Malaysialah yang kena tukar kepada dinar dan dirham ! Ini persoalan Negara bukan individu. Benarkan kenyataan begini ?

Pada pandangan ambo, dakwaan sebegini adalah meleset. Sebabnya Surah Al Baqarah ayat 278-282 ditujukan kepada kita orang perseorangan ! Seruan dalam ayat itu ialah “ WAHAI ORANG-ORANG YANG BERIMAN’! bukan kepada ‘ulil amri’! Sekarang negeri Kelantan ‘Ulil amri’ sudah pun menempa Dinar dan Insya Allah kita sedang mengkaji untuk menempa dirham pula ; jadi apa alas an yang kita nak berikan kepada Allah SWT nanti ? Ulil amri di negeri Kelantan sudah terlepas dah ! mereka telah pun menempakan Dinar dan Dirham …kita rakyatlah kena gunakanlah !

Kesungguhan kita kepada untuk berlepas diri daripada ikatan Riba ini adalah atas TAHAP KETAKWAAN DIRI KITA MASING-MASING! Sikap kita kena berubah kepada ‘SAMI’ NA WA A TOK’ NA’!! – KITA DENGAR DAN KITA PATUH !! Kita nak tengok sejauh mana kita semua takut; kasih dan sayang kepada Allah SWT sebenarnya !

Sekarang ini jika SiPenjual dan Si Pembeli sama-sama faham akan dosa yang sebegitu besar amalan riba ; maka Si Pembeli hulur Dinar dan Si Penjual terima Dinar atau Dirham maka siapa yang boleh menahannya ? Ambo nak cadangkan jika kita berikan sekeping ¼ Dinar kepada tuan kedai kopi hari ini; belanjakan lah untuk orang lain semua sampai habis nilainya – makan free!. Esok Pak Nik lain pulak belanja ! Dah kita sama-sama lari dari pembelian riba. Tak gitu ? Atau - kita janji dengan tuan kedai kopi - demo peganglah wang dinar ambo ini untuk ambo beli setiap hari dikedai demo. Kalu ambo mati dulu ambo halal dah ; kalu demo mati dulu ambo halal dah. Boleh jugak. Bukankah kita sudah melangkah keluar daripada pembelian riba? Susah kah itu ? Kalu kita cuba-cuba beli dengan dinar ni lagu ni lagi mana …kita guna dinar ini untuk sebarang pembelian; jika terlebih tambah dengan RM dan jika terkurang bayarlah baki dengan RM . Kita ni baru nak belajar tokteh semula …apa salahnya . Tak kan nak terus berlari ? Kita mengangkak dulu; buktikan kesungguhan kita berlepaskan diri dari riba ni ! Ada sesetengah daripada kita…tak leh nak beli dinar emas lagi sebab mahal. Kalu gitu, kita beli yang sehabis kecil dulu-1/4 dinar…setiap kali nak sembahyang letak ¼ Dinar bubuh dalam plastic dan semat dengan pin dalam kocek baju takut jatuh…pasangkan NIAT ‘YA ALLAH ! AKU TAK BERDAYA LAGI NAK BERLEPAS DIRI DARIPADA RIBA! TAPI AKU FAHAM DAH LA NI! …AKU BAWA DLM KOCEK DINAR YA ALLAH …SEBAB AKU BERNIAT UNTUK KELUAR DARIPADA RIBA INI INSYA ALLAH!’ Buktikanlah kesungguhan kita kepada Allah SWT ! Boleh jadi ada yang membeli sekeping setiap anak dan isteri dalam rumah dia tanda jadi dulu ! Semoga Allah SWT memberkati semua ahli keluarganya untuk berlepas diri dari bencana besar ini. Sheikh ambo-sheikh Imran Hosein kata –kita dizaman ni kena banyak menangis setiap kali sembahyang . Sebab ? Kita adalah dalam kawah riba yang sangat besar la ni! Kita tak nampak jah ! Bila kita menangis – setiap titik air mata kita kerana takut akan Allah SWT –adalah benteng kita daripada api neraka[17] ! - sambil berusaha pula bermacam-macam cara ; suami ambo dia redha temankan ambo untuk berceramah kerana mengharapkan Allah SWT sama-sama berikan dia ganjaran pahala menyeru pasal amalan riba ini : macam-macamlah cara ambo rasa bagi kita nak tunjuk dan bukti kepada Allah SWT; Tuhan Kita; Khaliq kita …akan semia’na wa’ato’na ini Insya Allah.

Jika tuan-tuan dan puan-puan takut kepada kena saman kerana menggunakan emas dinar dan dirham antara penjual dan pembeli – ambo nak beritahu sikit.

Ketahuilah bahawa perkara ‘legal tender’ ini adalah kena pada Kerajaan Pusat sahaja! Macam mana pulak ni ? Ketahuilah wahai kaum Muslimin dan Muslimat; IMF ini dia ikat kaki dan tangan Kerajaan Pusat jah ! Jadi ambo nak minta kita semua adek kakak supaya ‘BERHELAH’. Kita kena pasang strategi ‘berhelah’ jugak . Kita minta jangan sesiapa peniaga mengistiharkan ‘kedai ini boleh menerima bayaran dengan dinar dan dirham’! Jangan ! Tapi kita semua rakyat faham bahawa kedai Pak Nik tu jika dibayar dengan dinar dan dirham dia terima ! Macam tu. Jangan dok takut sangat pasal ‘legal tender’ ini-biar nya saman gak dulu - nak tengok? Orang Islam sendiri nak saman ko sama-sama Islam yang nak lari dari amalan riba?

Yang keduanya ambo nak beritahu. Sebenarnya seluruh dunia hari ini rakyat di semua Negara didunia telah pun melanggar ‘legal tender’ ni. Tuan-tuan dan puan-puan pun tahu – ramai kedai terima Dollar Amerika untuk pembelian oleh pelancung luar Negara ! Tak kena tangkap pun ? Kira tu dak langgar undang-undang ‘legal tender’ lah tu sebab sepatutnya dia diharamkan menerima wang selain daripada Runggit Malaysia kan ? Cumanya buat masa la ni susah sikit sebab harga ¼ dinar pun sudah bernilai RM 98 harga emas hari ini!

Tuan-tuan dan Puan-puan semoga Allah SWT memelihara kita dalam rahmatNya sekelian!

Ambo nak seru kepada semua Kaum Muslimin dan Muslimat untuk memiliki sekurang-kurang nya 40 keping dinar emas ini pada setiap keluarga ! Sebab? Sebabnya jika kita ada 40 keping zakat adalah 1 Dinar. Kalu boleh biarlah simpan lebih lagi . Dinar 40 keping ini tuan-tuan dan puan-puan bernilai harga emas hari ini ialah RM 12,000 lebih kurang. Satu lagi anjuran ambo ialah tolonglah kita semua hebahkan kepada semua Muslimin dan Muslimat diseluruh Negara kita akan perkara mengenai riba ini. Kalu tuan-tuan jadi imam masjid; berilah khutbah Jumaat mengenai riba . Kaum wanita pula, kitalah yang memegang ekonomi rumahtangga – hulurkan kepingan dinar dan dirham kepada penjual. Buatkan perolehan pembelian dinar emas cara ‘KUTU’ dengan member. Seluruh ofis di Kelantan ini boleh buat KUTU !! Pastikan semua urusan nikah kahwin anak beranak kita mesti menggunakan Dinar & Dirham kerana ia adalah perkara wajib ! Bayarlah zakat dengan menggunakan Dinar; ini juga perkara wajib !

7.0 Apakah perencanaan kita menghadapai keadaan ini ? Apa pelan-pelan tindakan kita jika ada ? Nak Menaikkan Daulah Islam cara mana dengan tidak menentang undang-undang negara kita ?

Tuan-tuan dan puan-puan yang saya hormati dan kasehi,

Ambo nak masuk gelanggang sekali lagi – ambo nak bawa kaum Muslimin dan Muslimat dalam majlis yang mulia ini sekelian untuk sampai kepada satu perhentian yang paling Mustahak untuk hari Insya Allah. Ambo nak mulakan dengan mengatakan bahawa perkara melarikan diri kita daripada amalan riba adalah perkara AGAMA kerana ianya berkait rapat dengan KEIMANAN kita ! Walaupun Negara kita dijajah dan perundangan Negara kita adalah tertakluk kepada PERLEMBAGAAN FEDERAL ; ambo rasa masih ada suatu ruang untuk kita membawa wadah dinar & dirham ini Insya Allah saudara-saudari kaum Muslimn dan Muslimat sekelian. Ada cara yang TIDAK MELANGGAR MANA-MANA PERUNDANGAN DALAM NEGARA KITA SEDIKIT PUN !

Ruang yang ambo nak kaitkan ialah sapertimana ambo berhujjah dengan Yang Di Pertua MAIK – Allahyarham Dato’ Nik Sulaiman Bin Nik Daud dahulu balik. Cuma kali ini kita tidak nak tubuhkan sebuah Bank Islam ! Kali ini ambo bawa cadangan untuk kita letakan wadah penempaan dinar dan dirham ini pada MAIK sendiri ! Isu mengembalikan dinar ini adalah ISU AGAMA maka wajarlah kita letakkan isu keagamaan ini ke bawah Duli Tuanku Al Sultan Kelantan sendiri ! Kita tidak payah melibatkan persoalan ‘legal tender’ kerana Kerajaan Negari Kelantan di bawah Al Sultan Kelantan tidak akan istiharkan dinar & dirham sebagai ‘legal tender’ menggantikan Ringgit Malaysia pun!

Tuan-tuan dan puan-puan semoga kita di tambahi rahmat oleh Allah SWT sekelian!

Kita boleh berhelah ! Kalau Dajjal dan Suku sakatnya membuat TIPU DAYA kepada kita umat manusia hari ini maka kita MESTI LAWAN dengan BERHELAH ! Cara gitu baru kena. Bank Negara dan Dato’ Awang Adek tak payah risau; jika rakyat Kelantan menggunakan dinar dan dirham untuk jualbeli pun kerana mereka hanya akan hanya berjualbeli secara persendirian sahaja. Mereka tidak istiharkan bahawa perniagaan mereka boleh menerima dinar & dirham sebagai pembayaran. Tapi KALU ORANG ISLAM ATAUPUN ORANG TIDAK ISLAM HULURKAN DINAR DAN DIRHAM UNTUK BAYARAN KITA TERIMALAH ! Inilah HELAH ambo nak ajar kepada kita semua. Yang menghalang kita daripada mempraktikkan berlepas diri daripada riba ini hanyalah diri kita sendiri jah tuan-tuan dan puan-puan! Duli Tuanku Al Sultan Kelantan ; Yb Dato Nik Aziz dan Dato Husam Musa Insya Allah telah selamat dah daripada disoal oleh Allah SWT dengan pelancaran Dinar ini wahai kaum Muslimin dan Muslimat ! Kita ini yang masih tidak terlepas selagi kita tidak menggunapakai dinar dan dirham dalam kehidupan seharian kita ! Oleh itu adalah menjadi kewajiban kita semua mendakwahkan mengenai riba ini wahai kaum Muslimin dan Muslimat!Dakwahlah kepada kawan kita, jiran kita dll

Tuan-tuan dan puan-puan semoga Rahmat Allah SWT berpanjangan dicurahkan keatas kita sekelian !

Untuk menaikkan DAULAH ISLAMIYYAH dinegeri yang bertuah ini kita perlu lakukan satu lagi perubahan ia itulah meletakan kembali Institusi BAITULMAL pada tempatnya yang HAQ ! Menegakkan institusi ini adalah seakan mendenyutkan kembali sebuah JANTUNG ! Dengan aliran darah yang mengalir semula dalam saluran darahnya; NADI DAULAH ISLAM Insya Allah akan HIDUP SEMULA ! Insya Allah dan Allah Hu Akbar !

Kita semua tahu bahawa pembahagian zakat ada peruntukan satu perdelapan ASNAF ZAKAT adalah diperuntukan untuk ‘FISABILLILLAH’! Bukan kah memeranggi riba adalah JIHAD FISABILILLAH ? Untuk merealisasikan perkara ini kita memerlukan hanya Perkenan Duli-Duli Yang Maha Mulia Al Sultan Kelantan dan Majlis MAIK.

Kita sebenarnya mesti menaikkan kembali taraf institusi BAITULMAL kepada taraf PERBENDARAHARAAN NEGERI KELANTAN tempatnya yang HAQ. Tapi perkara ini memerlukan banyak perubahan lagi sebab Penjajah British telah mengkotak-katikkan Negara kita. Perbendaharaan Negeri – adalah dibawah kawalan Kerajaan Federal walaupun zakat dan wakaf dibawah Al Sultan. Jadi langkah PERTAMA HANYALAH SEKADAR yang boleh kita laksanakan dulu. Jadi cadangan menaikkan taraf BAITULMAL yang kita cadangkan hanyalah sekadar – PEMANTAPAN INSTITUSI BAITULMAL DIBAWAH ENAKMENT MAIK 1966.. Walaupun kami di Jawatankuasa Teknikal Emas Dinar Kelantan memahami bahawa dari segi perundangan sebuah Perbendaharaan Negeri Kelantan yang sempurna tidak boleh diwujudkan kerana Akta Perlembagaan Negara hanya menghadkan perkara zakat dan harta wakaf sahaja dibawah penguasaan MAIK ; namun institusi BAITULMAL haruslah ditegapkan dahulu kerana ia adalah dibawah perundangan Enakment MAIK 1966 sahaja.

Penjajah Inggeris yang mengkotakkatikkan pentadbiran Negara kita. Mereka ingin memastikan supaya kita tidak akan mencapai matlamat yang kita tuju! Sebab itulah kita lah yang harus berhelah dan mencari helah untuk memperdayakan institusi BAITULMAL ini dibawah Akta MAIK 1966 semula . Pada pendapat kami dalam Jawatankuasa Teknikal Emas Dinar Kelantan - Akta MAIK 1966 sebenarnya adalah Akta penubuhan Institusi Baitulmal. Olehkerana tipu-helah pihak penjajah dan kemungkinan sebelum ini belum di jumpai dan difahami akan tipu-helah ini atau pun tak sedar pun ; maka tabungan zakat MAIK dan urusan wakaf di jadikan berasingan sehingga menamakan urusan wakaf sebagai Baitulmal dan urusan tabungan zakat dibawah MAIK. Inilah satu bukti yang cukup terang akan cara mereka membuat tipu helah terhadap kita umat Islam di negeri yang bertuah ini ! Cara yang kami cadangkan ialah supaya INSTITUSI BAITULMAL KELANTAN mengantikan nama institusi MAIK! Dan nama BAITULMAL yang mana menjaga harta wakaf sahaja ini kita jadikan sebahagian daripada institusi besar BAITULMAL Insya Allah! Jika kita katakan bahawa urusan wakaf ini adalah besar dan kompleks maka ianya boleh di jadikan sebagai satu badan khas menguruskan harta wakaf tapi HENDAKLAH diletak DIBAWAH KAWALAN BAITULMAL ! PEMANTAPAN INILAH YANG KAMI DI JAWATANKUASA TEKNIKAL DINAR EMAS KELANTAN USULKAN.

Walaupun nampak bahawa apalah yang boleh dicapai dengan perubahan pada nama sahaja ; tapi hakikatnya ialah daripada penyusunan semula tabung-tabung dan harta wakaf dalam institusi Baitulmal baru ini akan memberikan pentadbiran yang lebih baik sebelum kita akan membawa lain-lain perubahan dalaman pula Insya Allah. MENEGAKAN INSTITUSI BAITULMAL ini tersangat penting dalam MEMBAWA KEDAULATAN ISLAM diabad ini tuan-tuan dan puan – puan !

Insya Allah bila rakyat negeri Kelantan khasnya dapat keyakinan bahawa harta-harta zakat mereka dikendalikan dengan baik; dan dengan peruntukan AKTA CUKAI PENDAPATAN Negara yang memberi PENGECUALIAN kepada setiap warga Malaysia yang membayar ZAKAT; tabungan BAITULMAL KELANTAN akan mulai berkembang Insya Allah ! Itulah harapan kami di Jawatankuasa Teknikal Emas Dinar Kelantan ! Sangatlah berketepatan kita pada hari yang mulia ini dan dalam masa pelancaran dinar keputeraan ini hal perkara ini kita hebahkan agar kita semua faham akan duduk perkaranya. Insya Allah .

Perancangan selainnya ialah Insya Allah juga akan kami sedang usahakan membuat penempaan dirham pula kerana 95% daripada muamalah adalah dengan menggunakan dirham.

Tuan-tuan dan puan-puan semoga kita diberkati Allah SWT Sekelian,

Insya Allah kami di Jawatankuasa Teknikal Emas Dinar juga ada beberapa perancangan lain. Salah satunya ialah mengadakan sebuah Pasar atau ‘Market Place’ atau beberapa buah pasar yang boleh berjual/beli menggunakan dinar dan dirham –TANPA MELANGGAR UNDANG-UNDANG YANG SEDIA ADA PUN!. Dengan adanya pasarana ‘PASAR TERBUKA’ mungkin tak leh lagi buat di pasar terbuka wakaf Che Yeh pun – kita mula denga Pasar Buluh Kubu dulu Insya Allah.

8.0 Konklusi


Semoga usaha kita secara berpasukan ; Perkenan Duli-Duli Tuanku untuk meletakan perjuangan pengembalian Dinar & Dirham pada MAIK ; perkenan Duli-Duli Tuanku serta Kelulusan Majlis MAIK kepada menamakan Institusi MAIK kepada institusi BAITULMAL KELANTAN serta restu pemimpin-pemimpin kita Yg Bhg Dato’-Dato’ Nik Aziz dan YB Dato’ Husam Musa – yang merupakan Jaguh Mengembalikan dinar dan dirham ! ; serta kita Orang Perseorangan - boleh digembeling untuk kita sama-sama mengorak langkah dan mencari jalan keluar daripada amalan riba ini ! Insya Allah dan Allah hu akbar !! Apa-apa yang baik adalah dari Allah SWT jua; dan mana-mana yang kurang sempurna itu adalah dari kesilapan ambo sendiri . Wallah hu a’lam ! Wassalam wrt wbrt
[1] Constitution of Malaysia Part VI-Relation between Federal & The State -Chapter 1 Article 74 –9 th Schedule. Article 74
(1) Without prejudice to any power to make laws conferred on it by any other Article, Parliament may make laws with respect to any of the matters enumerated in the Federal List of the Concurrent List (that is to say, the First or Third List set out in the Ninth Schedule).
(2) Without prejudice to any power to make laws conferred on it by any other Article, the Legislature of a State may make laws with respect to any of the matters enumerated in the State List (that is to say, the Second List set out in the Ninth Schedule) or the Concurrent List.

[2] Nama Allah SWT salah satunya ialah : Al-Haqq - Yang Maha Benar
[3] 730 delegates from all 44 Allied nations gathered at the Mount Washington Hotel in Bretton Woods, New Hampshire for the United Nations Monetary and Financial Conference. The delegates deliberated upon and signed the Bretton Woods Agreements during the first three weeks of July 1944.

[4] Exchange of gold to Dollar USD$35 setiap Ounce emas.
[5] The Vietnam War (also known as the Second Indochina War, the American War in Vietnam and the Vietnam Conflict) occurred from 1959 to April 30, 1975 in Vietnam
[6] Meanwhile, in order to bolster faith in the dollar, the U.S. agreed separately to link the dollar to gold at the rate of $35 per ounce of gold. At this rate, foreign governments and central banks were able to exchange dollars for gold. Bretton Woods established a system of payments based on the dollar, in which all currencies were defined in relation to the dollar, itself convertible into gold, and above all, "as good as gold." The U.S. currency was now effectively the world currency, the standard to which every other currency was pegged. As the world's key currency, most international transactions were denominated in dollars. –Wikipedia

[7] IMF - Officially established on December 27, 1945, when the 29 participating countries at the conference of Bretton Woods signed its Articles of Agreement, the IMF was to be the keeper of the rules and the main instrument of public international management. The Fund commenced its financial operations on March 1, 1947
[8] In December, of 1913, (Please obtain and read thoroughly "The Creature from Jekyll Island"), a strange thing happened. Most of Congress was away for their Christmas break, but there were a few scalawags around, who made a quorum, and at the urging of bankers, passed the Federal Reserve Act, creating the Federal Reserve. The Federal Reserve is not 'federal,' and has no 'reserves,' in case you wondered. It is a privately owned bank, operated for a huge profit, and at the expense of every one of us.

[9] The Crusades were a series of military conflicts of a religious character waged by Christians during 10951291, most of which were sanctioned by the Pope in the name of Christendom.[1] The Crusades originally had the goal of recapturing Jerusalem and the sacred "Holy Land" from Muslim rule and were originally launched in response to a call from the Eastern Orthodox Byzantine Empire for help against the expansion of the Muslim Seljuq dynasty into Anatolia.[2][3]

[10] The Rothschilds were supporters of the State of Israel, and Baron Edmond James de Rothschild was a patron of the first settlement in Palestine at Rishon-LeZion. In 1917 Walter Rothschild, 2nd Baron Rothschild was the addressee of the Balfour Declaration, which committed the British government to the establishment in Palestine of a national home for the Jewish people

[11] The Mayer Amschel Rothschild family (often referred to simply as the Rothschilds), is an international banking and finance dynasty of German Jewish origin that established operations across Europe, and was ennobled by the Austrian and British governments.

[12] Fractional-reserve banking refers to the common banking practice of issuing more money than the bank holds as reserves. Banks in modern economies typically loan their customers many times the sum of the cash reserves that they hold.-Wikipedia

[13] Statistics BNM . Feb 2007 ‘Currency in circulation’ RM40.201juta sementara jumlah M1,M2 dan M3 ‘Monetary Aggregates RM773.709 juta. Ini bermakna wang kita telah di gandakan oleh mekanisma ‘fractional reserve banking’ melebihi 100 kali gandaan!

[14] Jerusalem in the Qur’an - Hadith Sahih; Muslim : Sunan Tirmidhi yang diriwayatkan al-Nawwas ibn Sam’an ‘

[15] Jerusalem In the Quran –Sheikh Imran Hosein ms 97
[16] The Wall Street Journal – 30-06-2003.The world money-Palavvo Mundell ‘ thus the global economy need a global currency - DEY’ Robert L. Bartley.
[17] How important is the prohibition of riba? –Sheikh Imran Hosein ms 49. ‘It is time we recognize that riba has now penetrated all of mankind. The least we can do is to weep over this; the greatest of all betrayals of Allah and His messenger by today’s believers – wep,that is, in fear of the punishment which awaits us. At least by weeping would bring some benefit in the hereafter : Abdullah ibnu Masoud reported Allah’s messenger as saying : ‘If through fear of Allah, tears –even to the extent of a fly’s head – fall from any believer’s eyes and drop on some part of his cheek , he will be kept away from hell by Allah’.

The Real Implementation of The Gold Dinar Economy


1. Introduction
2. Issues of the Gold Dinar and Silver Dirham
3. Elements of a Gold Dinar economy
4. Conclusion

We are indeed living at a very interesting era in human history. We are now at a moment in time which can be said to be on a threshold of an economic Armageddon of unprecedented proportion! It is looming in the horizon and the full impact of which; majority of today’s world population either choose not to know and come to terms with it before the tragedy of mankind begin to seriously affect our life on planet earth or as you are now present in this forum of the people; come together to share our thoughts to see what can be done to salvage our fate if we are not already too late!

What is interesting to note that despite having identified that the main problem of this economic debacle was brought about by the breaking down of the system upon which the Capitalist methodology lies at it’s very foundation i.e. Capitalist ideology and the institutions that formed part of the system namely Paper Currency and the Banking & Finance System – all the solution proposals made thus far were merely remedies of the same nature and mechanism that are still within these Capitalist methodologies too! In our Bahasa Malaysia we have one very apt proverb ‘Mencurah garam ke laut!’![1] I.e An effort bound to be wasted for how can such solutions be a credible solution! To my mind; if you had admitted that the Capitalist system is faulty; surely the solution will be to replace the system with a different kind of system! Economic jargon such as ‘stimulus fiscal package’ or ‘ bailing out of private companies ’using Capitalist methodology of ‘nationalisation’ will merely add to the ‘disaster brew’ that is already doomed to fail! Well I am not in this forum to discuss about their Capitalist methodology of economic recovery as there are so many already have spoken on this subject matter[2]. To my mind the world at large and if THEY are serious in providing a ‘real solution’ then they MUST think of creating a NEW SYSTEM. My contention is that THEY were not really serious in providing the answer but it was a solution to – ‘merely drive the sheep into their stable’! They do have an ultimate goal and their goal is to be the ‘Sheppard’ of us --the ‘lambs and sheep’ deemed to knows next to nothing about how to govern ourselves! We are the ‘GOYYIM’ and they the ruling class the ‘THE GENTILES’ ruling over us! We shall loss our ‘sovereignty’ of our individual country into their hands. The New World Order herald in my opinion the two main actors ‘ USA’and ‘UK’ will soon be brought to bear and Israel will be the ‘KING’ ruling from Jerusalem over all of mankind. This final chapter is closing in on us whether we like it or not! Towards achieving this end, we the ‘Goyyim’ population of the world will pretty soon suffer irreversible fate in the hands of our new masters ; initially through deceptive strategy of ‘humanism’ – putting all religious believes into one corner and on one platform ; levelling all religious believes into ‘one pot of stew’-‘religious believers’ is but ‘ the OPIUM for the mind’! Let there be no religion thus NO GOD!

So skilful is our purportedly ‘New World Order Masters’ in their ‘deceptive’ long term strategy that the result is now unfolding in front of our eyes that all humanity is bought by the unprecedented economic prosperity based on ‘bubble’ economy - whereby the Banking System and Finance afforded the maxim of ‘credit creation out-of-thin air’; the worthless paper currencies replaced the ‘barbaric relic’ of barter trade of exchange and the use of gold and silver coins! The prosperity of the last few decades touches all of us on this planet earth today that we all wish that this economic turbulence is short-lived and that it is part of ‘every-ten-yearly-cycle’ nothing more! We all want to believe that don’t we? The present powers in the world are not interested in finding a ‘credible’ solution for the world but they were more interested in ‘rounding us – all nations in the world into their governing hands’! The G-20 Summit meeting held on 15th April 2009 had already submitted their case towards this end! [3]

As a Muslim, I like to give my own personal analysis and view which may or may not be shared by others. It is my learned believe that the phenomenon named as ‘Dajjal’ as told to the Muslims by our beloved Prophet Muhammad SAW or the ; ‘False Messiah’ as told to the Christians has now come into our time zone! The Muslims ; the Christians and the Jews were told by our Prophets of the coming of this age ! We, the people of the ‘religion of the sammawat (sky)’ – had been prophesied hundreds of years ago of the coming of this era and thus if we were to go back to our Holy scriptures; the signs and warnings are all there in verses of these immutable books of Allah SWT if they were not being subjected to corruption in the hands of their own believers! The Holy Quran claims that Allah SWT Himself guarded the verses in the Holy Quran and thus it is the only Holy Book of Allah SWT that had not been tampered by any human hands however good their intentions were[4]!

The sayings of our Holy Prophet Muhammad SAW and the Holy Quran have prophesied that the ‘Dajjal’ is a ‘one-eyed’ devil – metaphorically meaning they only have one god i.e the material god. A look at the New World Order ‘eye’ symbol is truly ‘one-eyed’ eh ? Well it is there for all of us to see; their symbolism is a ‘one-eyed’ on top of the pyramid in a one-dollar USD bill and this symbolism is evident all over the place. They shall rule the world over us in a period of forty years – it had already started by us accepting at first the British Sterling Pound ; then the USD paper currencies since 1971 to date is now 38 years! This part of the intelligent interpretation of our times had been done most eloquently by the learned Sheikh Abdal Qadir As Sufi as well as by my dear teacher –Sheikh Imran Hosein in their various books[5]. The ‘day like your day…’[6] when we shall face the real ‘Dajjal’ in person is certainly drawing very close ! Could not we see with ‘both our eyes’ that the conquest of the world had been done most skilfully through the use of paper currencies mechanism as well as the Banking and Finance mechanism? The use of USD as the world reserve currency and the phenomenal ‘creation of credit’ through the Banking and Finance System of ‘fractional reserve policy’ practised all over the world literally means that the whole world is already accepting ‘Dajjal-in-waiting’ with the help of their two close allies – termed by our Holy Prophet Muhammad SAW as ‘Yajjuj’ and ‘Majjuj’! These two mechanism i.e the use of currencies with no ‘intrinsic value’ coupled with the Banking and Finance System under the ‘Fractional Reserve Banking’ formulation are but the practice of ‘RIBA or USURY’ as clearly stated in all the Holy Books of the Jews ; the Christians; and the Muslims. All believers of these three religion should have bounded together to reject this practise. However alas! We the people of the world in the last four decades followed ‘them’ all the way! This leads to the fulfilment of our beloved Holy Prophet Muhammad SAW prophesy that the time will come when everyone on planet earth will be engulf in the practise of ‘Riba or usury[7]!’ The Jews were the first perpetrators for the practise of ‘Riba or usury’[8]!

To the Muslims especially; it has now become obvious the piece of puzzlement[9] from the time of the death of our beloved Prophet Muhammad SAW – just the last five days before His death, the real meaning and significance of the last verse of the Quran

“ Oh You if you are indeed true believers! Rid yourself of riba! And Know that if you do not ( do so) ; Allah SWT and His Prophet declare WAR! Onto you”- The Holy Quran.Chapter Al Baqarah Verse 278 &279.

The time has now arrived or just about time when the money USD is now about to fall into disgrace only to be replaced by the new regional currencies! To begin with is AMERO. A New World Order currency is now here….just waiting in the side wings ready to be launched! Under the New World Order, the whole world was divided into 10 regions. With the control over currencies and making it whether ‘regional’ or ‘single’ currencies; we now understand that our each individual country ‘sovereignty’ is now slowly beginning to be passed into the hands of the Central Powers – call it IMF and the World Bank! Soon USD will be made to demise and so too the Ruling State Power will be shifted from USA to another Central Power – centered no doubt in Israel as prophesised by our Holy Prophet Muhammad SAW!

The Muslims since the fall of our last Caliphate in 1924 [10]or a bit earlier ; We have come a full cycle into their ambit – we had denounced the gold dinar and silver dirham as well as other commodities specified in our Syariah[11] as our Syariah currencies ; we had - though somewhat reluctantly agreed to replacing it with their paper currencies. With such denouncement we have embraced the Capitalist ideology replacing our Syariah laws in the fiqh of muamalah! Even Islamic Banking and Finance is but a pseudo- Syariah solution and it is but yet another ‘deceptive’ system of Banking and Finance specially for the unsuspecting Muslim Ummah practising ‘fractional reserve banking’ formulation right up to the present times[12]. Their system of laws to the cry of democracy with constitutional laws and parliamentary democracy governs the modern day society today collapses our Syariah based polity as well as the Roman Catholic Church to the point of no recognition since 1789[13]! The Muslims of today are devoid of the understanding of their ‘muamalah’ as aptly portrayed by the confession of an alim in Malaysia to me personally:

“ we the ulama’ have left the field of muamalah for hundreds of years now; it is analogous to us finding ourselves in a thick forest; we ourselves are lost in it how then to guide others? !”

What I am trying to say is that ; to us Muslim ummah in particular, with the immutable ‘kitabullah – Al Quran Nul Karim’ in our hands; this moment in time in our mankind history is a ‘defining moment’[14]! The Holy Quran has specific instructions to the Muslim ummah about how to address them to face this time period ! I know of no one person what more of several(if any) in this age today who have spoken loud and clear as the Sheikh of The Murabitun group – Sheikh Abdul Qadir As Sufi and his prodigy – Prof Dr Umar Ibrahim Vadillo who is also The Chairman of World Islamic Mint (WIM) and also Chairman of World Islamic Trade Organisation (WITO)[15] – on this subject matter. Prof Dr Umar Ibrahim Vadillo was reported to have said ‘the resurrection of the gold dinar economy is the single most important socio-political event in this century; it is a defining moment for the Muslims especially’ said Prof Dr Umar Ibrahim Vadillo; ‘Allah SWT is defining from amongst the Muslims themselves the category of the –“Munafiqun” and the “Mu’minun”!. The ‘Munafiqun’ will say to themseves that – ‘oh! This is merely some economic cycle that happens every decade!’ But the “Mu’minun” will welcome this period as the launching board to come back to the call of Allah SWT who declared “WAR”[16]! Onto the Muslims adherents themselves for perpetuating this activity of ‘riba’!”

Our whole world is now engulfed with what is termed as ‘riba’ or usury mechanism – the use of paper currencies as well as the Banking and Financial systems ! This is aptly portrayed by the prophesies of our Holy Prophet Muhammad SAW in famous sayings[17] “ There will come a time when riba or usury shall be practised all over the world and that the Muslims will imitate the ‘Kuffar’ – the Disbelievers step-by-step ‘into the lizards hole’[18]! Is not Islamic Banking and Finance doing just this? The Capitalist have a ‘bank’; we too have an ‘Islamic Bank’; the Kuffar have an Insurance company; we too have a ‘Takaful Insuarance’; the Kuffar have ‘Bonds and shares’ ; we Muslims too have ‘Islamic Sukuk and Syariah compliant Shares’ traded in ‘Stock Exchanges’ , we too have our own ‘Islamic Stock Markets’ with ‘Islamic counters’ traded in them! We, Muslims of this era are practising ‘Islamic Capitalism’ to the core with no qualms and May Allah SWT help us because I am very sure most of us; including myself at one time before; am one of the propagators too! We have to find a solution which is totally different from the Capitalist ideology and methodology if we are truly interested in finding a solution for our humanity in this decade! Capitalism is now dead and what are our choices if any that is truly wholesome that have far reaching effect on our soceity?

By now we can conclude that only the religion of Islam which is actually the only religion with Allah SWT confirming all other revealed books of Allah SWT that was revealed earlier to the Prophets of Allah SWT – from Prophet Adam as; to Prophet Daud as ( Prophet acknowledged by the Jews); to Prophet Jesus ( or Prophet Isa as acknowledged by the Christians) to Prophet Muhammad SAW – all of them messengers of the word of Allah SWT culminating in the the immutable Al Quran Nul Karim can provide a wholesome solution! Allah Hu Akbar! The Muslims and even the world ummah – Believers and Non-Believers – are now looking up to Islam for solution. The only ways that will Insya Allah bring back the ‘sovereignty’ or ‘Dawlah’[19] that had been robbed by the ‘Dajjal’ and their cohorts –Yajjuj and Majjuj!! In this forum we are beginning to attempt to make this effort Insya Allah.

2.0 Issues of the Gold Dinar and Silver Dirham
We must begin by first discussing the issues surrounding the implementation of the gold based economy because this understanding will lead us to the elements that must be in place in such economy. Some of the main issues are :
2.1 Many residence of today world; all over the world have reached out to gold and silver as a protector of their wealth in this period of uncertain turbulent times. True to our natural human greed; each one of us considers only our immediate family and close-ones ; never mind others! As such, generally one finds that despite there being many calls for the public urging them to purchase or convert their holdings of paper currencies (esp. USD holdings) into gold and silver or other commodities or items of value; there were literally no calls or efforts towards creating a new gold and silver-based system as an alternative to the present worthless paper currencies in circulation and a system of payment as an alternative to the present Capitalist system that was acknowledged worldwide to be faulty!. Because of this, the world as a whole are not quite ready to jump into any system of payment based on gold and silver in any parts of the world!
2.2 The world today witness those who like to use this opportunity to exploit the unsuspecting public or as the famous idiom said ‘lets make hay whilst the sun shines’! Why not in this age of ‘survival of the fittest’ – Charles Darwin. We see many groups minting gold dinar coins and selling them like hot cakes; making fortune through ‘premiums added into the pricing of such coins’ and of course spurred by the price hike of these metals. Have you not heard of multi-level pyramid schemes and other scams involving worthless ‘Iraqi Dinars’ ? What about selling gold coins using multilevel-pyramid schemes. Whilst all these attempts may be good so long as they were converting their paper currencies into gold; and the investors are now converting their savings into gold bullions and coins; it is however cannot be used in circulation as monetary units. Why? Because there are no standardised uniform gold coins and silver coins that are regulated by a central body! Thus the question about acceptability for use in trade is going to be troublesome as one coin minted by one company to another minted by yet another company will differ not merely in terms of denomination; pricing; weights of gold in each coins but also that the coins pricing is not homogenous. E.g. Company A produces their gold coins say 917 karat and another company minted 999 karat gold; not merely that, even if both minted 999 karat coins, pricing policies will make the coins priced differently because of company policy but more crucial – coins sold for investments were normally not homogenous! Two coins of half Dinars price is not equivalent to one coin of one Dinar. This is because the cost of minting a half-Dinar coins is the same as cost of minting a one-Dinar coins. Thus a half-Dinar coins with gold content half the amount of one-Dinar coins but the cost of minting is the same. This makes the coins non-homogenous! As such, ease of exchange becomes troublesome and thus this will not help in making these coins to be use as monetary units for circulation in the society again.
2.3 In our Syariah; exchanges between gold to gold must be of equal weight[20]! Meaning that when used for exchanges; coins of 917 karat and coins of 999 karat when making exchanges between the coins will be regarded as the same. We all know that coins of 917 karat are worth less than 999 karat because the gold content in 999 karat is more than 917 karat. This means that in the matter of exchangeability between the coins is going to benefit some quarter’s whist another one will suffer! Again, if the prices of minted coins differ from one company to another; how can there be trade using exchanges in gold and silver coins?
2.4 Then there is the question of a regulatory body to uniform the exchanges using gold and silver coins. The government of almost all countries in the world today without exception are all not even attempting to come back to even ‘gold-standard’ or ‘gold-backed currencies’! Well, we can understand too well the reasons for this. In the present Capitalist world; the reluctance of government to come back to even ‘gold-backed currencies’ will mean drastic curtailing of their ‘power’ over us! Why would they want to come into a strict regiment of not being able to issue new paper currencies with the restrictions of a gold-backed currency? They had been so used to printing new notes whenever they like anyway; and the society of rich Capitalist Oligarchy that are the buttress of such Capitalist system as we all know - we are so used to be in a ‘bubble’ economy and that the Capitalist system helps to bring about prosperity even if at the expense their own citizen who does not even realise that they had been cheated out-of-their-own-pockets anyway!
What I want to state here is that; issues of implementing the gold dinar economy is not something that any government will want to embrace so readily. Issues regarding the bringing back of the gold dinar economy is not normally readily understood by many quarters however sincere their intentions maybe. Above all natural human greed may complicate the issues further. In this paper, I must humbly admit that I am not a qualified person to address the real implementation of the Gold Dinar economy and what I had attempted here is to merely state some of the main issues that may encompass it. I believe Prof Dr Umar Ibrahim Vadillo who is present amongst us in this assembly is more capable than me to deliberate on this matter. Nevertheless; I shall attempt to share with you my thoughts from my readings of his books and the work of several people in this forum. Perhaps I am a better narrator and orator than him for he is a true doer and an implementator second to none in this difficult age. It also portrayed how confusing we are here in history standing in this era trying to comprehend about what we should do for the benefit of our ummah – Muslims and none Muslims. Solutions to the present day debacle are many and varied. It is only my own personal view that in the real implementation of the gold Dinar economy; it is nothing short of implementing the full Syariah Muamalah according to the Al Quran and Sunnah Rasullullah SWT. Nevertheless, the key elements of the real gold dinar economy need to be in place and if at all this paper is of some use; it is a paper that attempt to put key elements in a comprehensive manner for layman to understand Insya Allah. Whether we like to acknowledged it or otherwise, we are now in this age whereby even our learned religious scholars; banking and finance professionals sired under Capitalist ideology and methodology; professors of finance and economy at universities preaching even Islamic Banking will feel intimidated; practitioners of consultancies find themselves confused; challenged and angry at being ‘cheated’; intellectually debased…..etc! If one is not sincere in embracing this change; one will merely ignore the whole idea and thus be of the group that Allah SWT as far as the Muslims are concerned decry of ‘Munafiqun’! Where; let us be reminded that the place for this category of Muslims in the hell fire is an even lower level than the ‘Kuffar’ or the Disbelievers !! Wallu hu a’lam. We need to leave to Allah SWT to be the judge and not judge others because we were not tasked to give judgement upon others!.
The only credible solution for us Muslim ummah is to go back to adhering the Syariah in the field of ‘Muamalah’ totally according to “The ‘amal’ ( practise) of the people of Madinatul Munawwarah ( the city of lights or the illumination city)”! Unless and until we returned to the Muamalah as practised here as close as possible; we shall not find the solution that we are looking for! Our Model of ‘Muamalah’ it’s meaning alone determined that the scope encompasses an even more wider scope than the term ‘economy’ definition that the Capitalist ideology propagate. Our Syariah branch of ‘Muamalah’ law encompasses not merely the business and economic aspect of a society but also inclusive of ‘Akhlaq’ or simple translation is ‘ behaviour and moral aspect’ according to the Syariah. Muamalah principles of ‘fiqh’ as contained in the ‘Al Muwatta’ of Imam Malik is needed to be studied at Universities so as to ensure that our ‘amal’ or practise of Muamalah in our day-to-day transaction is alive again which had formerly been destroyed by the Capitalist ideology of the past century. Again we are very much lacking in people who can understand the ‘Muamalah fiqh’ which in our religion encompasses two-third of our daily living guidance[21]!

3.0 Elements of a Gold Dinar economy
In this paper, I attempt to identify the elements of implementing the gold dinar economy into several areas which to my mind it have to be in place. These are as follows :
3A: The Matters concerning standardising; minting of the coins and systemising the Payment System
3.A-1 Minting of the Gold Dinar and Silver Dirham
The need to have a universally accepted ‘standard’ amongst at least the Muslim nations cannot be given greater importance. The Muslims and non-Muslims must be able to accept an ‘accepted’ or ‘acknowledged authority’ in minting a universal coinage for the coins of gold and silver to be able to be use in circulation again. Without some form of universal standard; this will be next to impossible and will allow black-marketers to take advantage when our economy fails and efforts to bring back gold dinar as an alternative currency will meet with insurmountable difficulties. Prof Dr Umar Ibrahim Vadillo and his company – The World Islamic Mint or WIM is in the forefront in this effort. Parties minting the coins I am advocating to be affiliated with WIM. This is so that a uniform standard of gold coins is in circulation for easy recognition and thus acceptance, Not merely this but there will be control over the ‘security features’ –to safeguard against imitation and other forms of corruption – also very important consideration so as to ensure that the gold coins are not only accepted locally but amongst member WIM countries as well as Internationally. Coins of Dinar and Dirham in the state of Kelantan have joined WIM and so it shall comply to this standard of WIM whereby one side of the coin already bears WIM logo and the flip side of the coins can carry the particular state or country that mint the coins.
The importance of this matter cannot be overemphasised here as; if we are banded under one authority –WIM; this company have the prerequisites to standardise not mere the coins but memberships to WIM will entailed protection for ‘security’ features – very important aspects as fake coins of gold and silver will soon appear in the market; policy of pricing to make the coins ‘homogeneous’ and thus tradable for exchanges and thus the coins can function as monetary units. Not merely that; the gold and silver management is best when it was done as a credible ‘force’ to outwit the current monopoly of these metals in the hands of who else? but the powers that control LME( London Metal Exchange)! We shall re-established the coinage using the traditional coinage of our Islamic era even though we Muslims only started to mint our own coins 71 years after Hijrah – I.e during the time of Khalifah Malek bin Marwan[22].
The fact that there are many parties trying to mint the dinar and dirham and some are already quarrelling over the coinage 999 karat and 917 karat gold coins and also there are parties who cannot accept WIM for reasons best known to themselves goes to show how intense and fierce is the competition not withstanding our common enemy is already at the door! I like to call upon all parties concern with a suggestion that we banded together under WIM and that the market share to implement the system of payment is too large a cake to be eaten alone! Let there be the feeling of brotherhood in Islam for this great event of the century and know that we have all Allah SWT stern warning of ‘WAR’! on our back and the risk of dying as an enemy of Allah SWT if we do not fraternise to fight this activity of Riba or usury!
Of course the other parts of the world are using other forms of denomination eg Kruggerand uses ‘ounces’ and we in the Muslim world uses the equivalent of ‘grams’. However the convertibility on the International market is that 8 pieces of Gold Dinar is equivalent to 1 piece of 1 ounce of Kruggerand. This is acceptable when used in International exchange to facilitate trade between nations using ounces and grams as their denominators. WIM shall bring the members under the bigger scope of payment system not merely just minting the physical coins. WIM have already in place the internet-enabled payment system that once the local physical coinage is in place; local network of ‘Wakalahs’ will replace the banking system Insya Allah! This will later or simultaneously be linked to the e-payment system thus addressing the matter globally all at once Insya Allah. Prof Dr Umar Ibrahim Vadillo have already the e-payment system in place and currently; his e-dinar.com have more than five million account holders to boot! Congratulations Prof Umar! So, you see implementing the gold dinar economy is not very far fetch as some people thought. It is possible and viable Insya Allah.
3A.2 The Authority of the Gold and Silver Coins.
This element is a key element in bringing back the circulating of gold and silver coins. Although to ‘mint’ the coins can be undertaken by any private enterprise or individual collaborating with WIM for ‘universality’ of the coins; in our Syariah the matter concerning ‘monetary units’ ; weights and measures are amongst the seven(7) matters that a ruler of a state need to address[23]. As such this is to do with ‘sovereignty’ or ‘governance’. In The Holy Quran Chapter Al Ar’raf verse 7 [24]mentioned only once in the Holy Quran lies the key to bringing back the ‘sovereignty’ or ‘Dawlah’ of Islam! Do you know that the word ‘Dulah’ is a derivative word of ‘dawlah’ in Arabic language which means ‘sovereignty’ but it also have another meaning -‘circulation’? This means that the Holy Quran is pointing to us that the ‘sovereignty’ of Islam can only be brought about when the gold dinar and silver dirham are in ‘circulation’[25]!! The Muslim’s empire at one time known as the ‘Caliphate’ – our long lost legacy as the Islamic nation state can only be revived through the use of gold and silver coins as monetary units again! Herein lies the answer to the Muslim debacle of bringing back Islam and of the rule of Allah SWT in the world again!. If I may add, no other form of strategy is more defining ; more potent in their vigour of bringing about a systematic change in the confused and deceptive world today than the bringing back of the use of the so-called ‘barbaric relic’ of the past and a system of barter trade too even in this technology based world today. It had been the tradition of our Islamic coins to have the logo of the Head of the Sovereign state minted on the coins not merely just any design. It is very fitting indeed that the ‘circulating’ of money with intrinsic value – gold; silver and other commodities- mentioned in the famous hadith[26] - i.e inclusive of four other forms of commodities – wheat; barley; dates; even salt and to this list may also be added –rice and some might even add ‘sugar’ to be used as the monetary units of exchange again! for only then can there be justice on this earth! Allah Hu Akbar! To bring back the ‘Dawlah’ or ‘Sovereignty’ of Islam we need to resurrect the role of the Head of such ‘Sovereign’ again. Our Caliphate can only be resurrected once the ‘Syariah politi’ as against the present day politics of the Capitalist - rhetoric of democracy; constitutional laws and parliamentary role be replaced eventually[27]! It is outside the scope of this forum to be discussing more into this matter. It is enough to conclude that to function as monetary units alongside or as an alternative to the present paper currency; the coins need to have a ‘minting authority’ apart from ‘standardisation authority’! Though this maybe one and the same for countries or state with no Sultanate; we the Muslim ummah have a bigger agenda. Our agenda is not secret because it is well known that ‘money’ and ‘sovereignty’ runs concurrently. Countries; state; locality starting to mint the coins after having accepted the ‘standardisation authority’ will have to see the bigger picture of bringing back ‘sovereignty’ of the country; state; locality. This is very important because it had been our tradition that the coinage relates to the local governance be it the Sultan; Head of State; Head of Republic etc.
3A.3 The System of Payment as an alternative to the System of Payment using the paper currency.
The matter of using and circulating the metallic monetary units cannot use the same system as the paper currency. This is also another matter that needed to be addressed. The physical coins being of ‘intrinsic’ value and physically have ‘weights’ much more than when we are handling paper currencies require a different system altogether. Unless we are merely reviving a ‘gold standard’ or ‘gold-backed’ paper currencies; this matter of the need for a different system will not arise. This is because; for a ‘gold-backed’ or ‘gold standard’ currencies, the specie is still paper and thus it is a similar in nature to the present system. Under this system, the ‘gold’ is normally vaulted at the Central Bank. However; we here are discussing about the use of gold and silver coins specie. Using physical metallic coins involve logistics and handling of a different nature altogether. It also requires a totally different system of bookkeeping and accounting altogether. For one, the use of metallic monetary units cannot and will not be able to accommodate the present banking and finance system of ‘fractional reserve’ formulation! Thus all at once this phenomenon of ‘credit creation out –of-thin-air’ cannot coexist at all! how can you create gold coins out of nowhere ?! Thus one can see that using specie monetary units all at once cut out Capitalism ideology at it’s base! Now can you quite comprehend why will ‘THEY’ ( New World Order) want ‘US’ – the people of the world to come back to the use of monetary specie of gold and silver ever again ? Thus we can now understand the ‘deceptive strategy’ been adopted to lure us from the duties of our religion?
The use of specie monetary currencies like gold and silver; we need to be in a ‘real economy’ not a ‘bubble economy’ that was perpetrated by the paper currencies and the Capitalist ideology. For our gold dinar economy; we need to have a system of institutions called ‘Wakalah’ or ‘Agencies’ in place of the ‘banks’ in the Capitalist banking system. These ‘Wakalah’ is merely appointed agencies of the state to handle the system of accounts for the account holders. Under this system, the operators are ‘entrusted agents’ to safekeep your gold snd silver coins for you and for such service; a ‘service fee’ will be charged for the upkeep of our accounts records; transfers and also for the safe-keeping of the coins held. According to Prof Dr Umar Ibrahim Vadillo who already have such system of recording ‘Wakalah’ in place; these ‘Wakalah’shall at a later stage or once the infrastructure is in place; shall link this local system network to the ‘e-dinar and e-dirham- the internet-based payment system’ that is already currently in place. Once this is done; trade between countries in the world are with an alternative system based entirely on metallic gold and silver specie and a system of payment that will not ‘expend’ the monetary base into mere electronic beeps and dashes but no real value as what is happening in the Capitalist world today! Trade and business can then be expand between countries and the richness of wealth is ‘real’ not ‘bubble’!
Again what I can see is serious competition between IT-based experts trying to grapple with this new needs once the system of gold and silver economy is in and most will want to meet up the challengers of providing solutions to this need. I like to voice a word of caution to those operators of this solution-based IT provider. They must comply to the need of exchanges between accountholders locally and internationally instantly to comply with the Syariah requirement of exchange of payments in gold to gold must be ‘hand-to-hand’! In the Capitalist system of Banking and Finance; this matter is of no importance and we bankers operators used to make placing of liquid ‘cash’ in over-night money market to earn ‘interest’ for our organisation i.e bank! Even the Islamic Banking fraternity is guilty of such placing of liquid cash in over-night Islamic Instruments Money Market by buying so-called ‘Syariah compliant’ short-term papers to earn ‘profits’? for our Islamic Banking institution eh ?. This aspect is very crucial to our system and may easily be overlooked or compromised without the public understanding that such system does not comply to our Syariah requirement! Not merely that, even if there are other IT-Solution based out there who were non-Muslims and managed to start their own system; of our common consideration is the fact that in the new gold-based economic system one must make sure that the replication of ‘creating credit’ in the system does not happened otherwise the repeat of ‘bubble’ economy will again hatch even under the gold-based economy.
Other IT-based enablers solutions that will enable our public convenience that are even more efficient than the present Capitalist system that can and is now being discussed for implementation are `such as debit cards ; even mobile phone transaction can be done successfully in this age of technology based society for the gold-based specie economy that we want to come back to. Insya Allah! This effort will all at once dispel the critics that cannot imagine that the use of gold and silver specie as our modern day currency to be next to impossible! Yes! We can provided that we fraternise to make this possible!

3B: The Market Place
3B.1 The Holy Quran Chapter Al Baqarah Verse 275[28]:
‘…but Allah hath permitted TRADE and forbidden USURY…!.’
In this verse Allah SWT have make it abundantly clear to us that the way of coming out of the practise of riba or usury is to allow for trade to florish! This is the way out of this economic debacle that we are facing today! It is foolish to print more paper money to ‘bail-out’ bad companies what more to use ‘Public Savings’ to buy up these badly managed organisations as the current Capitalist World Leaders are suggesting. A ‘bail-out’ will essentially mean billions and trillions of ‘credit-created-out-of-thin-air’ money will be created and once these translate into printing of more and more paper currencies ; we shall be facing a hyper-inflation economy very soon! Now, we can begin to see how ‘deceptive’ the Capitalist ideology is!
Again in another Hadith of our beloved Prophet Muhammad SAW - ‘ 9 out of ten “rezk”i is from trade[29]’! Yet again Allah SWT and His Holy Prophet Muhammad SAW is directing us to flourish the trading activities. Indeed when we study the history; our Holy Prophet Muhammad SAW when he and his followers migrated from Mecca to Madinah in the historical event called the ‘Hijrah’; the first act that he did was to build the Mosque and the second thing he did was to open a market place![30] I am sure there was already a market place already in Madinah at that time. Why did the Holy Prophet make a new Market Place? Well my own opinion is that the Muslim Market place that the Holy Prophet SAW make was to be on a different policy altogether from those existing ones at that time in Madinah[31]. The practice in this market place is like that of a mosque – i.e that anyone who comes in early will have the choice of the best part of the mosque[32] and that the market place cannot be monopolised by anyone at all! The Market place is a very fair place for all traders to display and sell their goods and services. This Market Place is not restricted to only the Muslims! It is open to all – Muslims and non-Muslims and all will be treated fairly! Some of the standard features in operating the market place is that there are many traders and many customers[33] and that the traders are also a customer to each other in the market. Compare this to the Capitalist Market – the Supermarket and Hypermarket where there is only one trader (The Hypermarket/ Supermarket owner who monopolies the trade!) and many customers! This single observation alone address to the kind of ‘deception’ this Capitalist system had portrayed to us in a most foul manner! Ask any Capitalist economies and he/she will tell you that the most ideal manner of trade is to increase the ‘velocity’ of trade – meaning that an ideal situation is whereby the traders themselves are the customer/consumer of goods and services in the market place and thus the frequency by which money is used in the Market place will ensure the ‘circulation’ of wealth amongst the people. Not merely that; if we have a healthy economy whereby 90% of our society comprised of people in business in trade instead of the present Capitalist system wherein our society comprised of merely 30% or even less are engaged in trade and businesses - one can imagine the prosperity that the society will be in at that moment in the future Insya Allah! Our society presently are indeed in a state of ‘GOYYIM’ status that the New World Order have successfully made us into ! That is why the Capitalist ideology preached the exact opposites! Ever you wonder why?
Clearly one can begin to understand that what we need to come out of our economic crisis is not ‘government’ intervention through ‘nationalisation’ or ‘take-over’ of private ownership into the control of government and manipulation of the monetary units by the mechanism of first - the ‘rate of interest’ to control liquidity in the market then in the name of wanting to better the economic situation, the parliament approved of new money creation fund – Billions and Trillions of new money being created out of nowhere in the form of “bailout- rescue mission” purportedly to avert bigger disaster as well as aids in the form of ‘fiscal stimulus’!! Once the hyper-inflation sets in; the New World Order will provide what will be hailed as ‘THE SOLUTION’. The world ‘HAVE TO ACKNOWLEDGE AND ADMIT THAT IT NEEDS A CENTRALLY CONTROLLED MONETARY UNIT! AND A CENTRALLY CONTROLLED SYSTEM OF GOVERNANCE’ ofcourse!
One very important aspect which is overlooked even by the alim in this century is the fact that it is only Allah SWT is Ar Razak i.e Allah SWT is the Lord that is responsible for giving His servant wealth ! By allowing ‘government’ through the mechanism of paper currencies and money in the form of ‘credit’ which can be created out of ‘fractional reserve’ formulae for banking institutions; the “Ar Razak “ now is the “Government” !! One of Allah SWT beautiful ‘NAMES’ were overtaken by this Capitalist!! Wanauzubillah !
3B-2 The Trade Guild System and the Qirad
The world at large before Capitalism Ideology took control was under what is known as a ‘Merchantile’ system of trade. Our Muslim Ummah were under the Syariah system in our Golden Age of Islam and the West and Europe as well as American Continent were under a ‘Merchantile’ system of trade and the use of gold and silver coins. The Middle Ages and even at the time of the Industrial Revolution, the trade have what is known as a ‘Association of Trade Guild System’ along side the Merchantile Law as the underlaying system of jurisdiction in matters of business and trade law. The west had copied our Syariah-based law’ also known as ‘Muamalat’ branch of the Syariah in matters of trade from their contacts with the Muslim world during the period in history known as the ‘The Dark Ages’ transforming this era into another era of “The Renaissance”[34]! This system of trade guilds are associations of businesses and the main purpose of these guilds is to harness businesses into collaborative effort in each of their type of business for providing skills and training for those interested in their field thus opening the door for entrepreneurship which is sorely lacking in the Capitalist system! . The impact of this Association of Trade Guilds to the whole economy cannot be over emphasised. These Trade Guilds provides the society the necessary training skills for the young to acquire skills from the ‘Masters’ in their area of trade and industry for the development of young entrepreneurs entering into trade and business so vital for the prosperity of the community and thus the country. It is this association of business with the provision of hands-on-trainning to young apperentice which is totally destroyed by the Capitalist ideology[35]!
As had been pointed out earlier, our ‘Muamalah’ branch of law in Syariah encompassed not merely the fiqh of trade and businesses but it also covers another important branch i.e ‘Akhlaq’ or the ‘Behaviour and Moral Law’;. Because of this, the Association of Trade Guilds in their evaluation of skills and technical know-how acquired by the Apprentice under their training program will incorporate criteria of ‘behaviour and moral’ standard which includes trustworthiness; character; religious adherence etc. This essential component which is very important fabric of an ethical business society is essentially missing ingredient in the Capitalist ideology! Ever one wonder all banking and financial loans in the Capitalist methodology –i.e their Banking and Finance institution must all be ‘collateralised’ ? Compare this with the Syariah-based methodology for funding businesses must either be in the form of participation and risk-sharing mode of financing of ‘Musyarakah’ or ‘Mudharabah’! (But ofcourse Syariah muamalah have other forms of financing mode other than these such as Ijarah etc). Ever one wonder why Islamic Banking fraternity till presently was not able to adopt these financing mode in their banking business not withstanding their conventional banking fraternity in the Capitalist ideology? Of course being a direct ‘photocopy’ of the Capitalist ideology; they too will not be able to put to practise this concept! Thus Islamic Banking in trying to appear to be ‘Islamic’ ; is but a poor imitation of the real Syariah muamalah! Islamic Banking is merely a pseudo-Syariah attempt by the Muslims in 1990s when at such time, Muslims bankers though very sincere in their undertaking to provide solution for the Muslim Ummah was not aware of the ‘deceptive’ motive nor thoroughly understand the implications of the Capitalist ideology! All categories of Muslims in that era – either they belonged to the learned from the religious schools or from the secular schools were not yet aware of what they had created! There are no ways Islamic Banking fraternity is capable of providing any solution to the current economic debacle! If at all, their Banking Industry will be the first to go under! Please take note of my claim and let us review it in the near future!
Let me take you to understand in point of history to where we are now standing. Our present Capitalist ideology and methodology was quite a recent development being started by the ‘Dajjal’ after the Second World War. The Capitalist Oligarchy replaces the what had been termed as the ‘Feudal System’ of Royal Monarchy in which- in the west was under the system of Monarchy and in our Muslim Caliphate the System of ‘Caliphs’. To the cry of the rhetoric of the French Revolution[36] of ‘Equality; Fraternity; Liberty’; all at once the Royal Monarchy system was overthrown by the so-called ‘people power’ at the purported and thrummed-up ‘cruelty’ of the Royal Monarchy System - this is what we were made to believe eh ? History relates to us the fact that in France King Louis XVI and his wife Maria Antionate were beheaded! A system of rule by Monarchy was overthrowned almost overnight to the cry of Parlimentary Constitutional Democracy rule of the government ‘By the People; For the People’! These are trumped-up rhetoric for the unsuspecting public who until today were still upholding these very principles dear! Little do they understand what had been destroyed and how we had all been ‘deceived’ into believing that the cry of ‘Democracy’ which was brought about by Capitalism Ideologist is essentially a ‘godless soceity’ one controlled by the Oligarchy Capitalist who now had gained so much success that the whole world is poised to be ruled by the ‘One-Eyed’ Dajjal as prophesised by our Holy Prophet Muhammad SAW!
This is far from being a ‘conspiracy’ theories that need to be understood by our Ummah who shall be witnessing the day when the ‘Dajjal’ will be ruling over mankind in ‘the days like your day’ as prophesised by our Beloved Prophet Muhammad SAW.
To come back to the real implementation of the Gold Dinar economy; our alim and our learned have to come to realise these ‘deception’ that was so very intricately woven into the fabric of our society that our Muslim society today does not realised that we have all been ‘deceived’ in what our Holy Prophet Muhammad SAW had termed as the ‘Age of Fitan’[37]!
3B-3 Zakat and The Resurrection of Baitulmal Institution as a Treasury of the Ummah
Another ‘pillar’ of Islamic faith is the giving of ‘Zakat’ as a yearly contribution to the eight (8) categories of people expounded by the Holy Quran. This had also been under much debate concerning whether the zakat can be given out using paper currencies now that we can safely conclude that the paper currencies of all countries in the world today are completely riba! Zakat had been promulgated by our Syariah and acknowledged by all mazhabs must be paid with something with ‘intrinsic value’ or ‘a’yn’ in Arabic Language[38]. Muslims as a result of our ulama’ in the last few centuries had given a ‘Fatwa’ that paper currencies are acceptable to be used as ‘money’ in our Syariah due to ‘darurah’[39]( emergency situation) was completely ‘deceived’ into paying our zakat with paper currencies! The ulama’ of these past few centuries have either completely misinterpret the hadith or that due to political reasons submitted to ‘Dajjal’ main agenda of world dominance through the introduction of paper currencies. With the advent of Western Political Powers after World War II and the fall of the Muslims Caliphate in 1924; the Muslim world in particular were broken up and was under political masters who had imposed and entrapped the Muslims; politically and ideologically into Capitalism and secularism. Their deception can well be seen in the construction of our Constitutional Laws of Malaysia as an example whereby the once Muslim ummah was under the Sultanate Rule was made to be merely head of each state with limited power. The Malaysian Constitution made the Sultan now to be mere “Religious Head of State” and the Syariah to be only applicable in Syariah Court under the state rule; even then only in matters of ‘family laws’!. Even the institution of ‘Baitulmal’ was not allowed to function as a Treasury proper for the state and the Muslims! The institution of ‘Baitulmal’ though was allowed to exist was made to be merely taking care of ‘Wakaf’ assets. Zakat is collected and distributed by institution called after the Enactment for collection of Zakat in the states! If this is not an ‘arm twisting strategy’ or ‘deception’ act - by the Foreign Rulers for Malaysia – The British; one cannot envision anything otherwise! The British Empire ruled over Malaya Archipelago from the years 1948 to 1957 and gave ‘independence’ to Malaysia in 1957. They were responsible for writing up the Constitution of Malaysia and now that we begin to see with ‘both our eyes’ ; these matters which was once goes unnoticed even by the most fervent Muslims should now be revisited!
I see the payment of zakat in the near future under the Gold Dinar economy to be given out in gold dinar and silver dirham Insya Allah in the very near future! Once our a’lim and ulama’ begins to unfold and understand their misinterpretations of the hadith on Syariah money and the kind of ‘deception’ that lead us now on the brim of world catastrophe; the resurrection of the institution of Baitulmal will be pivotal in the distribution of wealth again! Insya Allah.
The Real implementation of the Gold Dinar Economy will not happened until all of us, citizen of the world start realising our predicament! To the muslims in particular, they run the risk of being categorised as ‘munafiqun’ or worst their faith to Allah SWT will not be accepted by the Lord Himself ! - if we were unheeding to the call of eradication of riba practises! .
To conclude this paper I want to quote Shaykh Abdalqadir As-Sufi taken from his book –Sultaniyya as follows :
In the light of our recognition that the whole kafir political discourse,mutatis mutandis is not only illogical but fatally irrational , that everything they say in fact stands for it’s opposite , that everything they do to put things right plunges us into greater suffering- it is against this background that we must return to the noble and illuminating constructs that were gifted to us by the Divine Creator and the Seal of the Messengers . may Allah be pleased with him’!Wassalam wrt wbrt.
[1] ‘Mencurah garam ke-laut’ means ‘to add salt to the sea water’! A meaningless effort.
[2] The fiscal stimulus bill being debated in Congress not only won't help the economy, it will make the recession much worse, says Peter Schiff, president of Euro Pacific Capital. Schiff scoffs at the notion the economic decline is starting to level off and concedes no government action means a "terrible" recession. But the path of increased government intervention will lead to "unmitigated disaster," says Schiff, who gained notoriety in 2007-08 for his prescient calls on the housing bubble and U.S. stocks. The problem, he says, is the government is trying to perpetuate a "phony economy" based on borrowing and spending. With the U.S. consumer tapped out, the government is "now taking on the mantle" of consumer of last resort, he continues, predicting the bond bubble will soon burst - if it hasn't already - ultimately leading to a collapse of the dollar and an "inflationary depression worse than anything any of us have ever seen."

[3] Following the 2009 G20 summit, plans were announced for implementing the creation of a new global currency to replace the US dollar’s role as the world reserve currency. Point 19 of the communiqué released by the G20 at the end of the Summit stated, “We have agreed to support a general SDR allocation which will inject $250bn (£170bn) into the world economy and increase global liquidity.” SDRs, or Special Drawing Rights, are “a synthetic paper currency issued by the International Monetary Fund.” As the Telegraph reported, “the G20 leaders have activated the IMF's power to create money and begin global "quantitative easing". In doing so, they are putting a de facto world currency into play. It is outside the control of any sovereign body. Conspiracy theorists will love it.”[1]

[4] We have, without doubt, sent down the Message; and We will assuredly guard it (from corruption). ( سورة الحجر , Al-Hijr, Chapter #15, Verse #9)
[5] Sheikh Abdal Qadir – Technic De Banque and Sheikh Imran Hosein – Jerusalem in the Quran.
[6] Hadith narrated Al-Nawwas ibn Sam’an “…we said: Allah’s Messanger , how long will he ( Dajjal) stay on earth ? He said : For forty days, one day like a year, one day like a month , one day like a week and the rest of the days will be like your days…” ( Sahih, Muslim, Sunan, Tirmidhi)

[7] Hadith Abu Daud, Mishkat ‘ There will come a time, when you will not be able to find a single person in the world who will not be consuming riba. And if anyone claims that he is not consuming riba then surely the vapor of riba ( in another text the dust of riba) will reach him’

[8] The Prohibition of Riba in the Quran ms 96 ‘Ibn Abbas said: The first people to follow Dajjal will be seventy thousand Jews.........and among the signs of the release ( i.e the coming ) of Yajjuj and Maajuj.

[9] Umar ibn Khattab said : The last verse to be revealed was on riba, but Allah’s Messanger SAW was taken without having expounded it to us; so give up not onlt Riba but also Reebah (i.e whatever raises doubts in the mind about its rightfulness). - The Holy Land and Israel’s Riba-based Economy - Imran N. Hosein.

[10] The Caliphate was constitutionally abolished several months later, on 3 March 1924. the Sultan and his family were declared persona non grata of Turkey and exiled. Fifty years later, in 1974, the Grand National Assembly of Turkey granted descendants of the former dynasty the right to acquire Turkish citizenship.The fall of the Ottoman Empire can be attributed to the failure of its economic structure; the size of the empire created difficulties in economically integrating its diverse regions.

[11] “Fatwa on Money’” – deemed that paper currency is accepetable due to the Muslims are now in a state of ;emergency. –Prof Umar Ibrahim Vadillo
[12] Islamic Bankers agree that interest charged by commercial banks “is identical with the excess stipulated as an obligatory condition in the contract, which is one of the two types of usury prohibited by Islamic Shari’ah.” But they ignore any question about the possibility of Riba by deferment in the exchange and other transactions, so critical to understanding paper money. The Islamic Fiqh Academy established by the Organization of the Islamic Conference (OIC) in its second session held in Jeddah, Saudi Arabia, 22-28 December 1985, declared that “any increase or profit on a loan which has matured, in return for an extension of the maturity date, in case the borrower is unable to pay, and any increase or profit on the loan at the inception of the loan agreement, are both forms of usury (Riba), which is prohibited under the Shari’ah” (Ausaf Ahmed 1995, The Evolution of Islamic Banking. In Encyclopaedia of Islamic Banking, London: Institute of Islamic Banking and Insurance. p.17).

[13] On 26th August 1789 came the declaration of rights of man which proclaimed equality before the National Assembly. It’s first article declared : ‘Man are born free and equal in rights;. There is in society a necessary equality of rights but there is also an indispensible inequality! The respect of this natural inequalities is one of the first duties of man living in a society! …this declaration in fact provided the means by which the Assembly on 5th November could smash the old order, abolish the clergy, for they no longer the clergy once they become citizens and abolish the hereditary nobility, their inheritance, their titles, liveried servants and private arms. The obligation of serfdom tying people by obligation to a particular land was also established. So it was within the new Republic of France, the roman catholic church on that day came to an end.-Technique of the coup De Banque.-Shaykh Abdalqadir As-Sufi page 38.
[14]The blessed Prophet conveyed to us the news received from Allah Most High that nine hundred and ninety-nine (999)out of every thousand (1000) in mankind would submit to that universal evil Gog and Magog dictatorship and would thus form ( a sub-systemic) part of their world-order

[15] The restoration of the muamalah is not an issue of a single individual ; it is an issue for a community. Muslims must organise themselves around community leaders and in their absence they must create their own.- Fatwa on Banking-Prof Dr Umar Ibrahim Vadillo.
[16] Surah Al Baqarah ayat : 278-279 Al-Baqara (The Cow)
2:278 O you who have attained to faith! Remain conscious of God. and give up all outstanding gains from usury, if you are [truly] believers; [266]
Al-Baqara (The Cow)
2:279 for if you do it not, then know that you are at war with God and His Apostle. But if you repent, then you shall be entitled to [the return of] your principal : [267] you will do no wrong, and neither will you be wronged.

[17] Hadith Abu Daud, Mishkat ‘ There will come a time, when you will not be able to find a single person in the world who will not be consuming riba. And if anyone claims that he is not consuming riba then surely the vapor of riba ( in another text the dust of riba) will reach him’.
[18] The Prophet said, "You will follow the ways of those nations who were before you, span by span and cubit by cubit (i.e., inch by inch) so much so that even if they entered a hole of a mastigure, you would follow them." We said, "O Allah's Apostle! (Do you mean) the Jews and the Christians?" He said, "Whom else?"

[19]And what God has bestowed on His Messanger (and taken away) from the people of the townships-belongs to God-to His Messanger and to the kindred and orphans, the needy and the wayfarer; in order that it may not (merely) make a circuit between the wealthy among you. So take what the Messanger assigns to you and deny yourself that which he withholds from you . And fear God ; for God is strict in Punishment.
Surah Al Hasyr Ayat 7

[20] Narrated Ibn Shihab that Malik bin Aus said, "I was in need of change for one-hundred Dinars. Talha bin 'Ubaid-Ullah called me and we discussed the matter, and he agreed to change (my Dinars). He took the gold pieces in his hands and fidgeted with them, and then said, "Wait till my storekeeper comes from the forest." 'Umar was listening to that and said, "By Allah! You should not separate from Talha till you get the money from him, for Allah's Apostle said, 'The selling of gold for gold is Riba (usury) except if the exchange is from hand to hand and equal in amount, and similarly, the selling of wheat for wheat is Riba (usury) unless it is from hand to hand and equal in amount, and the selling of barley for barley is usury unless it is from hand to hand and equal in amount, and dates for dates, is usury unless it is from hand to hand and equal in amount"

[21] The importance of the correctness of the business and commercial contracts is such that the use of particular types of contracts will affect how society develops . A society where unjust contracts are allowed –i.e Riba – will produce a kind of society different from the one in which they are not allowed. This is the reason why contractual law is so important in the body of Islamic Fiqh. Almost two thirds of all Islamic fiqh concerns trade and business.Fatwa on Banking – Prof Dr Umar Ibrahim Vadillo.
[22] Khalifah Marwan first mint the Islamic Dinar in the year 71H,
[23] Dalam Islam matawang sememangnya berkait rapat dengan kerajaan. Kajian Umar Vadillo ( 1996) menunjukan bahawa Al Qurtubi dalam Tafsir Al-Quran beliau telah memberi tafsir tentang ayat al Quran yang bermaksud :“ Wahai orang yang beriman! Patuhlah kepada Allah dan patuhlah kepada Pesuruh Allah dan mereka yang memerintah kamu” ( An-Nisa 3:59 ). Ayat tersebut merupakan perintah supaya umat Islam taat kepada pemerintah dalam tujuh perkara. Perkara pertama ialah penempaan dinar dan dirham dan yang lainnya ialah penepatan berat dan ukuran, keputusan mahkamah, haji, Jumu’ah, dua Hari Raya dan Jihad. Dalam kata lain, urusan dinar ialah urusan Keagamaan dan kedaulatan daulah Islam. Penggunaan dinar melambangkan kepatuhan kepada pemerintah Allah, bukan semata-mata urusan ekonomi ( Hakimi 1999).

[24] And what God has bestowed on His Messanger (and taken away) from the people of the townships-belongs to God-to His Messanger and to the kindred and orphans, the needy and the wayfarer; in order that it may not (merely) make a circuit between the wealthy among you. So take what the Messanger assigns to you and deny yourself that which he withholds from you . And fear God ; for God is strict in Punishment.Surah Al Hasyr Ayat 7
[25]The Islamic politi is called ‘Dawla’. The term appear only once in the Quran. As always with Divine Revelation one word can have enormous impact and effect on the Muslim society. ‘Dawla’ derives from the root dal-alif-lam and it means to change periodically, to take turns to alternate and to rotate. It also means to make victorious and let triumph. It also means to change, to circulate , to take counsel, to pass around. Sultanniya page 40. – Sheikh Abdal Qadir As Sufi
[26] Narrated Ibn Shihab
that Malik bin Aus said, "I was in need of change for one-hundred Dinars. Talha bin 'Ubaid-Ullah called me and we discussed the matter, and he agreed to change (my Dinars). He took the gold pieces in his hands and fidgeted with them, and then said, "Wait till my storekeepercomes from the forest." 'Umar was listening to that and said, "By Allah! You should not separate from Talha till you get the money from him, for Allah's Apostle said, 'The selling of gold for gold is Riba (usury) except if the exchange is from hand to hand and equal in amount, and similarly, the selling of wheat for wheat is Riba (usury) unless it is from hand to hand and equal in amount, and the selling ofbarley for barley is usury unless it is from hand to hand and equal inamount, and dates for dates, is usury unless it is from hand to hand and equal in amount"

[27] Islamic Dawla cannot exist without the commanding authority that establishes the essential matters. What are the essential matters ? Al-Qurtubi defines them in his great tafsir as being the authorisation of the two ‘Eids and the Jumu’a prayers …the guarantee that the dinar and dirham are sound in their purity and weight.-Sultaniyya page 105. Shaykh abdalqadir As-Sufi.
[28] 2:275 (Y. Ali) Those who devour usury will not stand except as stand one whom the Evil one by his touch Hath driven to madness. That is because they say: "trade is like usury," but Allah hath permitted trade and forbidden usury. Those who after receiving direction from their Lord, desist, shall be pardoned for the past; their case is for Allah (to judge); but those who repeat (The offence) are companions of the Fire: They will abide therein (for ever). - English

[29] Trade isin itself a source of wealth. Rasullullah SAW said ‘9/10 of the provision comes from trade’ That is like saying that 9/10 of the generation of wealth comes from trade- Fatwa on Banking Prof Dr Umar Ibrahim Vadillo.
[30] Umar Vadillo-Fatwa on Banking page 8. ‘ when a dharurat status is claimed , the imperative action is to change the condition not to perpectuate it’
[30] The Importance of the Prohibition of riba in Islam – Imran N. Hosein page 9. The prevalence of riba itself confirms the sign given to believers by the Prophet SAW by which they can recognize the age of Fitan –the evil age of the evil Dajjal ( The falsa Jewish Messiah)!

[31] ‘At first , the Muslims used to avail themselves of the existing market most of which have been controlled by the Jews. –The Prophet Muhammad PBUH and Urbanization of Madinnah-Spahic Umar2005
Amal of Madina - Soon after his arrival in Madina al-Munawara and his establishment of a mosque there, the Prophet of Islam, salallahu ‘alayhi wa sallam, created a mosque and a new market there. He made clear by his statements and explicit injunctions that the market-place was to be a freely accessible space for everybody, with no divisions (such as shops) and where no taxes, levies or rent could not be charged. The Market is like a Mosque: ...The Messenger of Allah, sallallahu ‘alayhi wa sallam, said: “Markets should follow the same sunna as the mosques: whoever gets his place first has a right to it until he gets up and goes back to his house or finishes his selling. (suq al-muslimin ka-musalla l-muslimin, man sabaqa ila shy’y fa-huwa lahu yawmahu hatta yada ‘ahu.)”.(Al-Hindi, Kanz al-’Ummal, V, 488, no. 2688)- Prof Umar Vadillo.

[32] Ibid. ‘ After selecting the site of the new market, the Prophet SAW said to the Muslims’ This is your market, it is not to be narrowed and no tax is to be collected from it. ‘ The system of occupying the market space followed the pattern of occupying the mosque space: he who came first occupied it and it remaind his until he wanted to leave.” - Ibnu Majah, Sunan Ibn Majah, Kitab al Tijarat
[33] The first thing is that we need to distinguish between trade and monopolistic distribution. Supermarket do not allow trade to happend. No one go there to trade- Sultaniyya-Shaykh abdalqadir As-Sufi.
[34] The Dark Ages is a term in historiography referring to a period of cultural decline or societal collapse that took place in Western Europe between the fall of Rome and the eventual recovery of learning.[1][2][3] Increased understanding of the accomplishments of the Middle Ages in the 19th century challenged the characterization of the entire period as one of darkness.[3]-wikipedia. The Renaissance (from French Renaissance, meaning "rebirth"; Italian: Rinascimento, from re- "again" and nascere "be born")[1] was a cultural movement that spanned roughly the 14th to the 17th century, beginning in Italy in the Late Middle Ages and later spreading to the rest of Europe. The term is also used more loosely to refer to the historic era, but since the changes of the Renaissance were not uniform across Europe, this is a general use of the term.

[35] Islamic Trade is a complete recipe to stimulate and encourage independent entrepreneurship. An Islamic society is not a society of employees. We know through literature that Muslims lived and worked organised in guilds. Belonging to a guild is the norm in Muslim societies. –Sultaniyya-Shakh abdalqadir As-Sufi.
[36] The French Revolution and the American Revolution which preceeded it , were moment so momentous in religious, political and economic history that it is as if an ‘iron curtain’ (build by Dzulkarnian) was breached and two very evil forces ( Yajjoj and Majjuj) was released in the world – Sheikh Imran Hosein -The Prohibition of Riba in the Quran
[37] Classic higher Islamic education in this ‘Age of Fitan’ seems to have acquired some strange deficiency making it difficult for so many classically trained Islamic scholars to perceived reality correctly -Sheikh Imran Hosein- The Prohibition of Riba in the Quran. Page 37.
[38] Zakat cannot be paid with a promise of payment.Zakat can only be paid with tangible merchandise, called in Arabic 'ain. It cannot be paid with a promise to pay or a debt, called in Arabic dayn.From the beginning the zakat was paid with dinars and dirhams. Most significant is that the payment of zakat was never allowed in paper money during all the ottoman period right until the fall of the Khalifate.Shaykh Muhammad Illish (1802-1881), the great maliki cadi,said that if you were to pay zakat with paper-money only its value as merchandise (dayn), that is, its value as paper can be accepted. Therefore, its nominal value is irrelevant as payment of zakat.
[39] Umar Vadillo-Fatwa on Banking page 8. ‘ when a dharurat status is claimed , the imperative action is to change the condition not to perpectuate it’