Friday, October 16, 2015

 

Asalaamu Alaikum- Types of Salaams

Asalaamu Alaikum- Types of Salaams
https://www.youtube.com/watch?v=_kQGKExVsHM

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Sunday, October 04, 2015

 

Arrogance, Pride, Vanity :reflection from Imam Ghazali

"""It's always better to be a humble sinner than an arrogant
worshipper.""""""""""
- Imam Ghazali


Book of Imam Ghazali
>>>
Imam Ghazali writes about Pride and Vanity
http://oll.libertyfund.org/titles/1845
The full book in English could be found in the Liberty Fund online library link given above.

                                        

 One time the people saw Abu
Bakr radi allahu `anhu (may Allah be pleased with him) sewing the
soles of his own shoes.

They exclaimed, “You are Amir al Mumineen (leader of the Believers)!”
He said, “Me? I’m nothing. Who am I?”
http://www.virtualmosque.com/personaldvlpt/character/overcoming-arrogance/

      Hasan Al Basry was the greatest scholar in his area. He used to
say, “I will not leave a room until I feel that I am worse than
everybody in the room.”

              Imam al-Shaarawi, one of the great scholars of Qur’anic
interpretation in the last 100 years in Egypt, used to give a dars
(lesson) every Friday on TV. About seven million people would be
watching.

One day, Imam Shaarawi came to the masjid in Cairo. Suddenly he got up
and left. Now, those of you who have been to Muslim countries know
that at Maghrib time the public restrooms in masjids are really bad.

 A man came into the restroom and found Sheikh Shaarawi, who was about
seventy-five, scrubbing the toilets in his Azhari dress. The man said,
“Subhan Allah! Sheikh Shaarawi, how come you’re doing this?”

 He replied, “I was sitting in the masjid and I started to think I’m
this great Qur’anic scholar. So I wanted to kill this arrogance.” He
was scrubbing the toilets in the robes of ‘ulema to break himself and
make himself humble.


6 Wills of Imam Ghazali r.a.
(1) When you meet an ignorant, take them as more noble because when they do commit sins, it is due to their ignorance, WHILE we commit sins realizing its consequences.

(2) When you meet a child, take them as more noble too as compared to yourself, as they are not yet burdened with sins.

(3) When you meet the elders, take them as more noble, for they've spent more time on ibadah and taubat as compared to yourself.

(4) When you meet the pious people, take them too as noble than you, for they have vast knowledge and also spend most of their time performing ibadah.

(5) When you meet the sinners, do not quickly take yourself as a great and noble person, but instead, say this to yourself, "Just maybe, they will repent later in their lives, but what about our own ending?"

(6) When you meet the disbelievers, know that its not certain that they will end up being one forever.

Imam Ghazali r.a. has taught us to educate our hearts by constantly reflecting on our deeds, be more humble by observing your own actions rather than condemning others.
http://simplydeen786.blogspot.com/2013/06/6-wills-of-imam-ghazali-ra.html
The second form of looking down on people is position. When someone gets a position and they feel proud of themselves, for example they boast, “Yeah, I’m MSA President now” or “I’m a big Sheikh.” Position can be in a lot of things: family, money, position in an organization, or academic position. For example, “I made the Dean’s list every year”. But have you made Allah’s list? This is the danger of position.

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Sunday, June 07, 2015

 

Humility , humbleness, say no to Pride : Islamic perspective



The comprehensive answer, often overlooked in this discussion, is simpler than we think, but easier said then done.
The answer, the key to humility – is an acknowledgment, a true, deep acknowledgment, that any accomplishment that you have ever made in your entire life of any kind, is NOTHING more than a grace and mercy of Allah (swt) that you really have not done much to deserve.
Everything you have done, you could only do because He let you.
Everything you have gained, you only gained because He gave you.
When a beggar receives 10 dollars from a rich man, he does not go to the rich man and pretend that he has earned this money. Nor does he go into the streets haughtily and pretend that he himself is rich. His clothes, his hair, his countenance, testifies to his true state.


Pride means to reject the truth and to look down on others
"Humility is not thinking less of yourself but thinking of yourself less."
Years later I find myself teaching my children yes you are the best but that is because God blessed you, now go out and leave your mark. Think less of yourself and more of others.
We shouldn’t try and elevate ourselves, but rather try to elevate others; and serve others.

The Prophet teaches:
“Shall I not tell you of something that will take away the evil of the heart? Fasting three days of each month.”
Imam ‘Ali al-Rida (a.s.) said: “Anyone who greets a poor Muslim in a manner different from his greeting a rich one, Allah will be wroth with him on the Day of Judgement.”
@ a nice write up like a book sections with how daily interactions to be made as a Muslim

 

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Thursday, February 05, 2015

 

interest free loan new frontier of social development




“The loans are of particular assistance to those poor families who end-up having to pay interest to loan sharks. They work all their lives simply paying back the interest.
“We help is by paying off the initial debt and then settle the interest owed with the creditor.
“Many people’s lives have been ruined by these huge interest payments. They find no way out.”
Akhuwat derives its name from ‘mwakhaat’ or brotherhood. It has sought to base its movement on the principles of ‘Qarz-e-Hassn’ found in the Islamic tradition which entails helping someone in need with interest free loans, a practice favoured over charity.

Syed Rehan Hussain added, “Over the past ten years we have supported over 500,000 people and presently have 215,000 active clients.
“We have enterprise loans, education loans, marriage loans and emergency loans among others.”
“A total of 7.5 billion rupees has been lent. An average loan is 18,000 rupees and it can be paid back within 12-18 months.”
The recovery rate for the loans is remarkably 99.82% - an astounding figure for a nation like Pakistan.

“The loan is essentially given out on trust and paid back through trust.”
“We do not have overheads in terms of local offices because mosques, churches and temples are used as places where the initial meetings take place.”
The loan process starts with the submission of applications by persons interested in getting financial assistance. The Unit Manager (Loan Officer) then evaluates that whether the applicant deserves the loan or not i.e. lives below the poverty line, has a reliable social capital, is not involved in any illegal business and possesses entrepreneurial abilities.

Audit System
The organizational structure is well defined and the hierarchies provide various checks briefly indicated here below:
  • The Area Managers spend one day every week in the branches under his control.
  • The Credit Operations Manager visits the branches ones in a month.
  • The Finance Manager monitors the funds inflows and outflows, he also visits the branches every month.
  • The Internal Auditor carries out audit of the branches quarterly.
  • An External Auditor carries out an appraisal of the branches annually.
  • Every year social audit is also conducted in which 80% credit cases are physically verified during field visits.
  • External Audit is conducted by a reputed Chartered Accountant Firm annually.

GUIDING PRINCIPLES OF AKHUWAT
·         Interest-free microcredit:
Akhuwat provides the economically poor with interest free loans so that they may acquire a self-sustaining livelihood. It also provides the skills and support they need to actualize their full potential and abilities.

Linkages with Religious Places:
An important and novel idea associated with individual loans is the use of the local mosque/church infrastructure as the center for loan disbursement and as an avenue for community participation.

Spirit of volunteerism:
The spirit of volunteerism that Akhuwat’s management and its team members exhibit is indicative of the success Akhuwat achieved within a short span of time.
·         Transforming borrowers into donors:
Akhuwat encourages its borrowers to donate to Akhuwat’s program and so help their brethren once the borrowers themselves have gained enough economic stability. However these donations are neither compulsory nor have any bearing on the borrower’s credit profile.

However, before receiving the
loan the applicant has to become a member of the organization
and that requires paying a membership fee equivalent to 5 percent of the loan amount. In addition, the applicant also has to pay 1
percent of the loan amount to buy insurance, which covers the risk
of death or becoming handicapped. In case of death the loan is
written off and the family is provided Rs.5,000 for funeral
expenses. If the client was the only earning member of the
household then the family is provided with Rs.1,000 a month for
three months to meet basic expenditures. If the client becomes
handicapped then again the loan is written off and he is provided a
wheelchair.

The organization’s performance on profitability and sustainability
has been steadily improving. However, as Akhuwat does not
charge any interest on its loans, and only charges a membership
fee of 5 percent, it is unable to cover its costs which stand at 7
percent

http://www.asianimage.co.uk/news/11181571.Pakistani_charity____Akhuwat____tackles_poverty_through_interest_free_loans/?ref=rss

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