Educated Muslim
Finance Shariah

The Covert Trojan horse of Islamic Banking 2

This is a continuation of the earlier article about Islamic Banking. If you missed out on reading that, click here to read it. The Covert Trojan horse of Islamic Banking presents itself in countries with a growing Muslim population even though they are in a minority. Islamic Banking is just the innocent looking face of the Shariah Monster that will follow.

If the camel gets its nose in a tent, his body will soon follow

Old Arabic Proverb

This Arabian proverb cannot lie. They are speaking from their experience. That is exactly what the camel of Islam did to a multicultural Arabia.

This is how the Monster gradually pushes in

Once the Shariah Banking is in place and the Shariah Lawyers/Bankers get to move their pawns within the corridors of power, they will gradually seize power and authority. After that it is not a matter of IF, but WHEN. The democratic institutions are the ones that will be targeted. That is why we do not see any true democracy in the Islamic World. Democracy and Shariah are incompatible.

Shariah is the enemy of Democracy
Shariah is the enemy of Democracy

Let me quote you a Fatwa from the Grand Mufti of Saudi Arabia in which he is unambiguous that Shariah is the enemy of democracy.

Democracy is a man-made system, meaning rule by the people for the people. Thus it is contrary to Islam, because rule is for Allaah, the Most High, the Almighty, and it is not permissible to give legislative rights to any human being, no matter who he is.

It says in Mawsoo’at al-Adyaan wa’l-Madhaahib al-Mu’aasirah (2/1066, 1067):

Undoubtedly the democratic system is one of the modern forms of shirk, in terms of obedience and following, or legislation, as it denies the sovereignty of the Creator and His absolute right to issue laws, and ascribes that right to human beings. Allaah says (interpretation of the meaning):   {You do not worship besides Him but only names which you have named (forged) — you and your fathers — for which Allaah has sent down no authority. The command (or the judgement) is for none but Allaah. He has commanded that you worship none but Him (i.e. His Monotheism); that is the (true) straight religion, but most men know not} [Yusuf 12:40].

Ruling on Democracy and Elections

Shirk is considered as the Worst kind of Sin in which a partner is assigned to Allah. Logically speaking, for a Muslim, Democracy is worse than Lending on Interest. Lending on Interest is Haram. But Democracy is SHIRK. The Covert Trojan horse of Islamic Banking is not coming to help you but to enslave your nation.

The Egyptian Fatwa regarding Democracy

Egypt is home to the largest Islamic University(Al Azhar) which trains the most fundamental Islamicists. Even they confess that Shariah is the enemy of Democracy. Let me quote the fatwa from the Chief Mullas of Egypt.

The Western understanding of this term places highly the authority of the people to an extent of giving people the full right of legislation and this full authority is higher in weight than any other authority. Therefore the executive authority executes the general laws or more precisely the general public’s will and the judicial branch rules with the laws which were legislated through the legislative authorities. In other words, whenever consensus of the people was reached on any issue, it passes as an effective law even if what was agreed on is considered prohibited in all religions and creeds.

This Western understanding of democracy does not acquiesce with God’s Shari’ah in which the ruling solely belongs to God. God says in the Quran, “The decision is only for Allah . He relates the truth, and He is the best of deciders.” 6:57 the renowned scholar Abu al So’ud commented on this verse in his exegesis saying that the ruling on all matters solely belongs to God without the slightest interference of anyone else in any way, shape or form. (3/142).

Dar Al-ifta

One of the most covert attempts to take over the democracy of nations is through the mechanism of voting right guaranteed to its citizens. The Birth rate among Muslims in non-Islamic nations would be unusually high. There is only one reason for that. They want to topple the democratic setup of nations to take over power in an Islamic way and remove democracy from those countries. Truly Shariah is the enemy of democracy.

The life of Non-Muslims in a Shariah-compliant country

As you would have noted in the quotations of the Fatwa, the clerics are unambiguous that the law of Allah has to replace democracy. Where do we get the Law of Allah? Obviously from the Qurán and the Sunnah.

Based on the Qur’an, all unbelievers (Non-Muslims) are categorised as Kaafirs.

In an Islamic Nation, the rulers and the judges of the land will surely be Harsh and cruel towards non-Muslims.

Indeed, We revealed the Torah, containing guidance and light, by which the prophets, who submitted themselves to Allah, made judgments for Jews. So too did the rabbis and scholars judge according to Allah’s Book, with which they were entrusted and of which they were made keepers. So do not fear the people; fear Me! Nor trade my revelations for a fleeting gain. And those who do not judge by what Allah has revealed are ˹truly˺ the disbelievers.

Sura 5:44

O Prophet! Struggle against the disbelievers and the hypocrites, and be firm with them. Hell will be their home. What an evil destination!

Sura 9:73
The Covert Trojan horse of Islamic Banking
Shariah is the Enemy of Democracy – Covert Trojan horse of Islamic Banking

The Views of Islamic Commentators

Many Muslims may push aside these quranic verses and tell us that it is not so and try to give a different flavour to the whole story. Unfortunately, for them, the Scholars who wrote the Tafsirs do not agree with them. They, in fact, give more clarity to these verses and proves that indeed Shariah is the enemy of democracy.

وَمَن لَّمۡ يَحۡكُم بِمَآ أَنزَلَ ٱللَّهُ فَأُوْلَـٰٓٮِٕكَ هُمُ ٱلۡكَـٰفِرُونَ

(And whosoever does not judge by what Allah has revealed, such are the disbelievers,) “Whoever rejects what Allah has revealed, will have committed Kufr, and whoever accepts what Allah has revealed, but did not rule by it, is a Zalim (unjust) and a Fasiq (rebellious) and a sinner.” Ibn Jarir recorded this statement. `Abdur-Razzaq said, “Ma`mar narrated to us that Tawus said that Ibn `Abbas was asked about Allah’s statement,

Tafsir Ibn Kathir for Sura 5:44

جَـٰهِدِ ٱلۡڪُفَّارَ وَٱلۡمُنَـٰفِقِينَ

(Strive hard against the disbelievers and the hypocrites) “With the hand, or at least have a stern face with them.” Ibn `Abbas said, “Allah commanded the Prophet to fight the disbelievers with the sword, to strive against the hypocrites with the tongue and annulled lenient treatment of them.” Ad-Dahhak commented, “Perform Jihad against the disbelievers with the sword and be harsh with the hypocrites with words, and this is the Jihad performed against them.”

Similar was said by Muqatil and Ar-Rabi`. Al-Hasan and Qatadah said, “Striving against them includes establishing the (Islamic Penal) Law of equality against them.” In combining these statements, we could say that Allah causes punishment of the disbelievers and hypocrites with all of these methods in various conditions and situations, and Allah knows best.

Tafsir Ibn Kathir for Sura 9:73

 O Prophet, STRUGGLE(JIHAAD) AGAINST DISBELIEVERS(KUFR), WITH THE SWORD, and the hypocrites, with words and [definitive] arguments, and be harsh with them, through rebuke and aversion [towards them]; for their abode will be Hell, an evil journey’s end, [an evil] resort it is! 

Tafsir Al-Jalalayn for Sura 9:73


The innocent-looking Islamic Banking is at your doorstep with a sinister plan for your country. Do not let the guard down. Raise the alarm. Let not the money-minded politicians sell off your country just like how Esau sold his birthright for a bowl of stew. Once the monster is in, any amount of crying will be unhelpful.

…………..Esau, who for a single meal sold his inheritance rights as the oldest son. 17 Afterward, as you know, when he wanted to inherit this blessing, he was rejected. Even though he sought the blessing with tears, he could not change what he had done.

Heb 12:16-17
Shariah is the enemy of democracy
Shariah is the enemy of Democracy

End of “The Covert Trojan horse of Islamic Banking 2

Go to Part-1

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