පොලිය යනු කුමක්ද...?

[sirajstc]

 

[M.RIZ]

බම්ප්

 

[adult.junior]

interest is not bad. it is necessary. what is wrong is how poeple charge it. mostly the leasing companies and lenders.

 

[ZULFAAN]

බම්ප්

 

[pissupoosa jr.]

Why doesent muslims have interest?

 

[rukmalranaweera]

සහතික ඇත්ත මචන්!

 

[Mal Baba]

පොලිසිය කියන්නේ උතුම් රාජකාරියකට එහා ගිය දෙයක්
අපේ ලංකාවේ පොලිසිය උන් පොලිසියත් කනවා

 

[king_pandukabaya]

මම ඔබතුමා පලකරන බොහෝ දේ එක්ක අතීතයේදී එකඟ වුනේ නෑ. අනාගතයේදිත් ඒ මට්ටමේ ඒවාත් සමග ගොඩක් විරුද්ධයි.

නමුත් මේ කියන දේ සමග විතරක් මම ඇත්තටම එකඟ වෙනවා. කිසිම ගැටලුවක් නැතුව. ආගමික මතයක නොඉඳ ප්‍රායෝගික විදිහට මේ වගේ දෙයක් දැමීම ගැන මම ගොඩක් සතුටු වෙනවා.ආගමක මේ දේ කියලා තිබ්බා කියලා අන්‍යයන්ගේ දේවල් මම හා ඔබලා පිලිගන්නේ නෑ. ඒ රාමුවෙන් බැහැරවෙලා දෙයක් කිව්වොත් ගතයුත්තක් තිබෙනවා නම් ඒක අනුගමනය කරන එක හොඳ දෙයක්

පොළිය වගේම පොළිය රහිතව ණය ගැනීමත් මම පෞද්ගලිකව අනුමත කරන්නේ නෑ අන්තිමට නැති ප්‍රශ්න ඇතිවෙලා හිතේ සහනය නැතිවෙලා ගින්දර ගොඩක තමයි ඉන්න වෙන්නේ

කාරණා වැදගත් හින්දා රෙප් දුන්නා

 

[king_pandukabaya]

පොලිසිය කියන්නේ උතුම් රාජකාරියකට එහා ගිය දෙයක්
අපේ ලංකාවේ පොලිසිය උන් පොලිසියත් කනවා

What the hell you are talking about

 

[sirajstc]

Pissupoosa check this out!!!

Usury Destroys Societies:


Usury afflicts the human soul with diseases, the economy with plagues and causes an unequal distribution of wealth which result in the destruction of the human societies. The author of the economic encyclopedia said that usury had a great role to play in the collapse of the primitive societies, and in the emergence of the slavery-based economies. Because of the fact that loans were guaranteed by the borrower himself along with other guarantees, the end was always the centralization of the “real-estate ownership” in the hands of the few.


This is the effect of usury in the past, and the writers who could see the hidden reality of things was able to realize the effect of usury on these societies; but most of them think that the usurious interest nowadays does not have the same effect on the primitive societies.
In the past, usurers turned people into slaves working in the very farms stolen from them. Till today, usurers seek to take hold of the fruits of people’s labour and to steal their sweat and money. The ages of filthy usury haven’t ended yet; this is a mere fiction, as the British list of money lenders in 1927 allows usurers to impose an interest of 48%. This is the apparent rate but in fact it was far more than that. Anwar Al-Qorashi tells us incredible things, which were happening in Great Britain in the 1st quarter of this century through a report prepared by a joint committee of the House of Lords and House of Commons concerning
moneylenders letters of exchange in 1923, and through finding the bad effect of money lending in Liverpool in 1924. Those who prepared the report reached the fact that the interest, in some loans, could be up to 250%, 260%, 400% and 433% and sometimes, according to the report, 866% and 1300% per year.
What is mentioned in the report of the House of Lords and the House of Commons in the greatest country at that time was not an individual case. The representative of money lenders union of the joint committee said: “ money lending is a huge mission and I will prove this by figures. Is it too astonishing for you to know that there are more than 300 of money lenders registered in these countries?
” the report tells about 1380 of those usurers in Liverpool , and if we compare this number to that of the people, we will find that there is a usurer for every 730 person.
The case in America, according to Al-Qorashi, is not better than in Britain. He mentioned reports and facts to prove that usurers were receiving rates of interest up to 20%, 40%, 100% and more.

If we have a look at a developing country like India, suffice it to say that the farmers of the district of Punjab were paying interests that equaled two times the land yield
(1).

It could be said that today is different as interests are now fixed and exhaust neither individuals nor institutions and governments, but I see that this is a short-sightedness as the interests of the usurious banks and finance houses at the beginning of this century were not more than 3%, 4%, 5%, 6% or 7% at the very most. However, nowadays they reached 18%, 20%, and now 10%, 11%, 12% and in some dealings in Kuwait 800% which caused what is called “ Climate Crisis.” Those who know the details of the crisis say that the amount of money that was behind this crisis was 27 billions (9 billions were accumulated because of usury), but those who did not charge usury were very far from the effects of this crisis.

What proves that people are still afflicted with this plague is that what is known as the third world countries are now overburdened with debts and even its exports cannot help to pay them off.


Economic Repercussion of Usury

Usury, when blights economy, spreads like cancer, and as doctor failed to cure cancer, men of intellect, politicians and economists fail to cure the plague of usury. What is astonishing is that some people believe that usury is good for people. In this, they are exactly like those who think that the body swelling that results form certain disease is a good sign for health while not every swelling in the body is a sign for health.

Cancer is an abnormal growth of cells in the body; a growth that is not in the benefit of the human being but rather it is devastating and killing. The same can be said about usury as all what results from it is not for the benefit of the society but it is very harmful to it. The problem is that the effects of usury do not appear in the structure of the society and economy all at once. Al-Razi said, “Although it appears that usury is increasing, it is in fact decreasing” and this is taken from the Qur’an in(Surat AL-Baqarah (The Cow), verse 176): (Allah makes usury to wane and makes almsgiving fruitful)

“Waning” means that something is gradually decreasing. This meaning is taken from the waning of the moon; as when the moon wanes, its size is gradually decreasing one night after another after being full. Those who are dealing through usury think that it is profitable while what the Omniscient and the All-knowing, and also reality, tells us is that usury causes any profit to wane and destroys economy as it afflicts economy with malignant diseases that could baffle the skilled physician. Usury is not a blessing and prosperity, but a chronic disease that takes away money and decreases it. The Prophet Muhammad (peace and blessing of Allah be upon him) said: "Though usury seems to be increasing, it is in fact turns towards decrease" Narrated by Ibn Mas’ud (may Allah be pleased with him); Ibn Majah transmitted it. Hadith No.2827 of Mishkat Al-Masabih.

Our Muslim scientists that knew the truths through Hadiths and Qur’an realized this fact. Al-Maraghi said: “usury results in havoc and ruin; as we see many people whose money was lost and families were broken up because they charge usury.” Al-Qasem said; “ there is no blessing in any money comes through usury because it is the result of violating divine laws. That is why its end is always fatal.”
Economic blights caused by usury are so many
and the following are the most important ones:

1)
Hindering Human Power:

Usury hinders the productive human power as it encourages people to neglect their works and to be lazy, and human life gets advanced and civilized only when people pool their physical and intellectual efforts towards construction and development. Usurers who find it easy to increase their money through usury get used to laziness and hate forced labour and anything that requires hard working. The thing that deprives people of their livelihood; as it is well known that construction, crafts, and trade are the pillars of people’s life.

Moreover, it is not only usurers who stop being a productive power but also many workers and businessmen could leave their works because of the difficult economic problems that usury causes to them. Those who suffer under the capitalist system find no body to help them but usurers who lend them money at exorbitant rates of interest that takes away the fruits of their labour. These economic problems have a very passive effect on the workers’ productivity. Besides, usury results in economic recession and unemployment which hinder the working power in any human society.

2) Preventing Money from Circulation: As usury hinders part of the productive human power, it prevents money from circulation. Money circulation to society is exactly like blood that circulates in the body, and water that runs in orchards. Preventing money from circulating has very bad effects on the society just like arteriosclerosis or the blocks that prevent water from running.
Allah (exalted be He) frighten those who hoard money and threaten to give them a painful retribution:
(Those who hoard the gold and silver, and do not spend them in the way of Allah, promise them (O Muhammad) a painful retribution (34) The day will come when their gold and silver will be heated in the fire of Hell, then used to burn their foreheads, their sides, and their backs: "This is what you hoarded for yourselves, so taste what you have hoarded.) (35) (Surat Al-Tawbah {Repentance})

Allah sent us divine laws to guarantee the continuous flowing of money to all the members of the society, and not for it to be monopolized by the rich. Allah says in surat (AL Hashr, (Exile), verse 7) : (Thus, it will not remain monopolized by the rich of you.)
Usurers, because of their cowardice and their desire to earn as much money as possible, do not contribute in useful projects or economic business except with the amount that guarantees that money will be back tenfold. When they feel that they are in danger or that they wish for a higher interest in the long run, they keep their money from people. That is why people fall in a great distress when they became short of money. Besides, they do not lend money unless they guaranteed a profit more than the interest of the debt.


3) Inflation:
“ Inflation” means a continuing increase in the prices of goods and services because their amount does not keep up with the demand for them, or a surplus without the ability to expand the amount of supply. Inflation has direct and indirect causes, and usury is one of its indirect ones. This is because usurers, although they demand high rates of interest, compel the owners of commodities and services to increase the latter’s price. It goes without saying that inflation is very harmful to people especially those who have fixed salaries such as employees and workers; as their actual salaries decrease. If the government tries to find a way out by increasing salaries, this increase happens neither quickly nor in the proper time. That is why, men of intellect, politicians, and economists should work on fighting inflation especially the one that economists describe as “rampant inflation.” In this kind of inflation, prices increase in an exorbitant way, and usury is one of its main causes. Therefore, fighting inflation is exactly like fighting a serious disease.


4) Recession and Unemployment:
When there is a great increase in the prices of commodities and services, people stop buying them either because they cannot afford the price or because the price will exhaust their budget. When people refrain from buying, goods will remain unsold in the stores and shops. In this case, factories will reduce their production and, as a consequence, they will get rid of some of their workers and employees; or factories may stop their production completely and, as a consequence, workers and employees will be a surplus labour. At this point, when usurers feel that the market is declined, they add salt to injury and stop lending money or withdraw it altogether, which brings about economic convulsions.

This is really astonishing because money is available but it is hoarded in the usurers’ safes. In spite of that, people have to buy their needs but they cannot afford the price, and workers need to work but there is no place for them in factories or companies either because the latter are in bad a need for money or because they need to sell their goods.

Usury has a bad effect on the trade cycle. That is why, Islam prohibited it in order to maintain this cycle, and it made a lot of legislations to prevent the centralization of money in the hands of the few. Today, America; the master of capitalism, is suffering from a frightening terrorism crisis.

When the nations are shackled like this, they keep working and working and working and get nothing; as their efforts end up to usurer's safes. That is why, individuals in the society cannot get all what they need. However, the government imposes more taxes and increases prices in order to reduce the deficit in its payments. As a result, many revolutions broke up, people died, and all what is happening in the world is not satisfying.

Sometimes, the country fails to pay off its debts and decides to write them off exactly like what happened in Cuba in 1961, and in North Korea in 1974. Dr. Stuart Greenbawn, the professor of banking and finance in the university of North Western, said:" Imagine yourself as one of the dictatorial rulers in Latin America, and you sank heavily in debts. Then, if you agreed to the conditions imposed by the International Monetary Fund (IMF), and decreased the imports, for example, you will be attacked through protest demonstrations and rebellions, and; on the other hand, if you refused to pay off your debts , you will be renounced by the international community and the international loan markets. Hence, When you get dead sure that the first solution will hang you on a tree branch, you will, inevitably, go for the second one."


5) Economic Deviation:
Moreover, one of the bad effects of usury is that it deviates economy from its normal course. Usurers pay to those who give them more profit, and the one who takes the usurious loan do not invest the money except in the fields that give him a profit that exceeds what is imposed by usurers. That is why, the issue is an issue of cupidity which takes people away from the useful projects that works for the good of the society, to invest their money, instead, in the more profitable projects.


6) Extravagance and Taking risks:
It is too easy to get money through usury as long as the usurer guarantees that he will take his money back. That is why, those who have no experience become greedy and take usurious loans and get involved in projects that could be doomed to fail or in business which has more to do with gambling rather than clean business. When this kind of business spreads, it harms the economy of the nation. Usurers do not refrain form lending money to those people because they do not care about the means through which they will invest their money, but rather they care about getting their money back with its interests.

Islam orders us to prevent extravagants from spending their money as they pleases for the nation's wealth not to be lost. Allah says in surat Al- Nesaa (Women, verse 5) : (Do not give extravagants the properties that Allah has made a means of support for you)
Notice here the word "Your" which means that the money of extravagants is a collective ownership and the nation may make use of it. For, usury centralizes the nations' money in the hands of adventurers and ignorants who waste it. what is worse is that usurers can take hold of the people's houses, farms, factories and stores.
The easiness of the usurious loan encourages people to be extravagants and to waste their money. The American "Time" mentioned, in its study concerning the Third World debts at the beginning of this year that Liberia sank heavily in the usurious debts as a result of hosting the meetings of the Organization of African Unity. The " Time" also mentioned that Central African Republic spent over 5 million dollars (i.e. the half of its annual budget in 1977) during the coronation of Emperor Bokasa.

Al Maraghi said because borrowers can take money without an immediate exchange, The Devil tempts them to buy luxury goods, which leads to the increase of their debts to the extent that they became overburdened with them. Hence, when the time comes for their debts to be paid off, they keep procrastinating till the debtors put their hands on their properties and they become poor and destitute. Allah is right when he says: (Allah makes usury to wane and makes almsgiving fruitful)


7) Putting the Muslims Money in the Hands of their Enemies:
The most dangerous thing that could befall the Muslims is the depositing of their money surplus in the usurious banks; as this could divest them of the tools of economy and of the force majeure in the exchanges and put it in the hands of the Jewish emperors of money who gained full control over the money markets . Besides, the interests that usurers pay us is considered to be the price of their (the Jewish emperors of money) control over the international liquidity.

 

[sirajstc]

Why doesent muslims have interest?

Reason is see my above post Machan...

More Info

It is worth to present an example to start with the subject, a factual example from existing interest based banking methodology that is valid and current, which can be well understood by a common person. One should consider the following facts before going through the example. The facts are:

• Only Banks create money.
• The created money is then supplied in to the economy only in the form of loan at some specified interest.
• There are no other institutions that create money other than banks.

The example - an astonishing fact

As all the banks are creating money and supplying in to the economy on interest and without any doubt all of them are practicing the same technique, so let us consider there is only one bank in our example that creates some money and supply in to the people's economy.

Suppose Bank XYZ creates Dirhams 100,000 and supplies it at an interest rate of 10% per annum to several entrepreneurs and governmental units active in the economy, remember there is no money available in the economy from any other source. The bank has taken substantial collateral or guarantee as security of its money from each borrower. See in the following diagram - the borrowers intake loan and repayment liabilities at the end of the first year:
​

​

​

It is very simple and clear that at the end of the first year, a combined sum of Dirhams 110,000 is due on all borrowers to repay to the loaning bank.

​

But the money available in the economy is only Dirhams 100,000 as the bank is only supplier of money, so from where the rest 10,000 would come that is the difference in the borrowers intake and total repayment amount...... from NOWHERE. Yes, that is right from nowhere because that money does not exist in the economy.

​

Look at the scene, the bank is the only supplier of money, it creates and supplies 100,000 in the economy and that is the total money available in the economy, but as per loan agreements - these borrowers collectively have to pay back 110,000. How is that possible? There is no way. Don't you believe, it is 100% like this - no less. This is cheating and criminal foul play.

​

So what will happen, at least one or more of these borrowers would default on their loan(s) and would loose their personal assets or belonging that they had put as security to the bank for the repayment.

​

The money creator has designed a mechanism that would force few of the borrowers each year to default so that bank could forfeit the security assets and gain wealth by foul play.

​

This is an eye opening example for those who previously had no idea about the mechanism of banks as how they operate and cause artificial shortage (scarcity) of the money in the societies. This is happening every where in this world from USA to the smallest country on this beautiful planet. This artificial scarcity of money is the root cause of people's problems from hard struggle for surviving to the loss of happiness from their lives.

​

In a Riba (interest) based system, people are not aware of this foul play - borrowers think that they will manage to repay the principal plus Riba (interest) as they think it would be coming from some where else, but the fact is - every borrower would be in battle with others where some borrowers have to lose in order for others to win, some would fail to pay their loans in order for others to get the sum they need to pay off the Riba (Interest). When seen in totality, the supply side is always in deficit and the liability is always in excess due to Riba (interest), the total combined supply cannot discharge the liability.

​

After going through the above real example, I believe, now we are close to find out why Riba was declared Haram in Quran and Sunnah.

​

Let us begin with the economic reasoning of WHY?:

​

1. The availability of each produce is limited, the liability cannot exceed the availability limit.
2. In any transaction, if a liability of produce "in excess" of "the produce available" is created, that extra liability would be artificial because excess quantity of produce does not exist.

This universal economic code applies to each and every type of produce; to further get in to the explanation of the rule, let us now identify what represents "the produce", "the transaction", and "extra liability":

The Produce​

In its general expression "the produce" is any thing available to human beings for their use or consumption, but here specifically those produce that can be involved in a transaction, it is best to take historical standards of transactions which are based on produce like gold, silver, grains, currency etc. because throughout history all transactions are carried out in publicly acceptable produce only. These produce have served the societies as "medium of exchange", so it is more appropriate logically and historically to consider the produce as "the medium of exchange" which is again a general expression and can accommodate any other commodity/produce that may be used in a transaction.

The Transaction​

In this universal economic principle, the transaction is based on a single produce and naturally it can only be a transaction of loan or exchange and nothing else. Although donations/grants also involve only one produce but that is not a transaction because a transaction means exchange of good(s) and/or service(s) either on spot or in any specified time frame involving one or more types of produce.

Extra Liability​

Riba (interest, usury) is that extra liability created in excess of the produce available and that does not exist. Every liability is a demand in practice, the basic rule of economics known to every one is that to maintain economic equilibrium (stability) in the society, the supply side should be equal to the demand, if the demand is more than the supply - a shortage will occur. Creating an extra liability means creating an extra demand without increasing equal supply, this will start a never ending mechanism of perpetually increasing the shortage of that produce in the society.

Conclusion:​

Riba was prohibited just to prevent the creation of "extra liability/demand" because that is fake and "does not exist" physically, this artificial "extra liability/demand" creates scarcity of the produce in the society and unjustly accumulation of the produce in few hands. Riba (interest, usury) is a mechanism and dangerous weapon that has a power to get hold of assets/properties of individuals, enterprises, and nations deceitfully. This is unfair and against the nature, so ALLAH (SWT) banned Riba (interest, usury) very strictly to stop this criminal action.


Nature is the Limit in Islam; any thing not natural is prohibited, stopped, and declared illegal. The above economic reasons are the only base for the prohibition of Riba, ALLAH (SWT) has allowed everything that is natural but given its strict judgment to stop any behavior, agreement, and practice that is not natural.

 

[ZULFAAN]

පොලිසිය කියන්නේ උතුම් රාජකාරියකට එහා ගිය දෙයක්
අපේ ලංකාවේ පොලිසිය උන් පොලිසියත් කනවා

What the hell you are talking about

මලා උදේ පාන්දරම මලක් ගහල වගේ

 

[yksunlk]

nice post

 

[king_pandukabaya]

මලා උදේ පාන්දරම මලක් ගහල වගේ

ඒකයි මේ මාත් බැලුවේ

 

[sirajstc]

bump...

 

[Shamil Max]

 

[westpra]

Damn True...

 

[Captain Arjun!!!!!]

මලා උදේ පාන්දරම මලක් ගහල වගේ

මල් බබානේ

 

[sirajstc]

 

[sirajstc]

bump

bump

පොලිය කියන්නෙ උගුලක්

sira bn meheth poliyen raja wunu godak kattiya innwa oka echra hdoa wadak newei bn

thanks bro

thx bros for the replys