The Sajdah along-side with the Gold dinar

'You do not submit to Allah by doing what you can, but by abandoning yourself to Him, as you stretch fisabilillah into the unreachable.'

'The coin speaks for itself. If you want to teach the people about the gold dinar you have to do it yourself. The coins speak without need for any of our explanations: about what is paper money, what is Bretton Woods agreement, what is banking and what is fractional reserve banking.'

The gold dinar means the end of the constitutionalist order. It means independence not just from the colonialist powers but independence from united nations and IMF.'

'Not even during the worst of Romans Caesars we find the immense control in the form of taxations, information, documentation, money control monopoly that the modern regimes exercise today. This control is today propagated in the name of freedom.'

'The political debates are created only to create a false impression that there is actually a debate. Political parties have never discussed the tyranny of the money system.'

'The fraud of the banks is the fraud of the paper money. And vice versa.'

'Rumi was told about someone who said 'something which is halal is not possible to achieve." Rumi said, certainly what is halal is possible and whoever says is not, he is a hypocrite". He continued 'If after telling him that person still does not understand then he should hit his head against the wall. If he still continues not to understand he should hit harder."

'The gold dinar is going to create new men and women.'

'The fight of today is the restoration of the muamalat. The means are within the reach of your hands. When you allow yourself to see the means and when you believe that Allah is giving you the means, then, everything in front of you is the means.'

'Take the affairs into your heart. When you put this matter into your heart, you will see doors open for you to act.'

'What the modernists did was something more sinister, they transformed Islam. Under the name of reform. They call it 'islah'. Its not a reform of capitalism. Its not a reform of the debased society we are in. Its a reform of Islam.'

'When they say capitalism complying to shariah, they are actually saying and making shariah complying to capitalism.'

'They have taken the Shariah, divorce it from the fiqh, divorce it from the Sunnah and replace it with a "hadith self-service". The hadiths become deprived of the contextual reality from which they were given, that is without muamalat, without the model of 'Amal of Madinah and thus open to any wild interpretation. That naked hadith was now open to the interpretation of the modernists, who all they want was to prove that Islam can emulate the west. They claim themselves modern like the west.'

'Within the movements of reform in the 20th century, nobody was against the reformist acceptance of riba. Their islam was concerned with the BIG issues. What is the BIG issue ? The BIG issue is the puritanical Islam which we have seen in the 20th century.
Their only concern is only that the women are completely covered. Covered in the uniform, the uniform of reform.'

'A picture of Islam in the 20th century : a woman with the reform uniform, with a credit card.'

'Why are these matters being given too much emphasis and why the matters of riba is so liberalised ? This is because this is how the capitalists achieve control and power. Putting guilts on the individuals so that they dont have to have any concern about the real issues that they prey upon us.'

'For that reason, these matters of muamalat do not concern these reformist men of the 20th century, who is nothing but a little pivot inside the capitalist prison.'

'Religion in the 20th century means nothing. Religion becomes a matter of choice. So you can question God, but you cannot question the interest rates.'

'There is no taxation in Islam except the taken of the payment of zakat. Zakat is not a state taxation. Zakat is ibadah. It is collected and distributed within 24 hours.'

'Nationalistic cause has nothing to do with Islam. Infact, it was one of the causes that contributed to the destruction and fall of the Khalifate.'

'For as long as the people in palestine and the movements in the world keep demanding US dollars to gain their support, they are only feeding the israeli state. There is only one way to eliminate israel once and for all, that is to destroy capitalism. Capitalism is the strength of the jews and this is what sustains israel today.'

'If you want to fight for the people of palestine, there is only one struggle, its the struggle for the Darul Islam.'

'The British wanted to create a different front in the Arabian Peninsula so that they can destroy the Khalifate, and for them, they wanted to destroy the Turks, the Ottoman empire. They wanted to diversify the troops by creating another front in the Arabian Peninsula with very little resistance. They chose the wahhabis. It was the British money and the british weapons that supported the wahhabis.'

'The biggest treason out of the WW1 is the formation of saudi arabia. It was created with an alien political and riba system that has made every muslim in the world to become foreigners to their 'own' holy land. Muslims who entered Mecca and Medina are treated as foreigners. The Saud are the owners, and the rest are foreigners.'

'There is knowledge in when you stretch yourself for Allah (swt). It is in that moment when you completely trust in Allah (swt). Its that act of stretching and pushing yourself beyond the comfort zone. In that, there is knowledge.'

'The great gift is for the people that move forward first. The ones that lead. the ones that move and bother themselves. But in the eyes of the great majority, they saw it as too much effort and struggle. By that, this great majority has missed it.'

'This is a spiritual journey. If we have come closer to Allah (swt) in this process, then we have achieved something. And that is the real achievement of the gold dinar. We do not worship gold coins. We worship Allah (swt). The power of the gold dinar is in the sajdah, alongside with it.'

'If we do not get this, we are dead. To go through life like a zombie, that is DEAD.., really DEAD.'

We must put this matter in our heart and be ready to present the matter to anybody. We must be ready to teach everybody about the gold dinar.'

'This is when Allah put His signs to be within your reach. The signs may be passing under your nose and you dont see it. If you dont look for it, you will miss it. The signs are everywhere. The key to the whole thing is you.'

'When you believe that Allah is giving you the means, then everything within your reach is the means. EVERYTHING. By putting these matters into your heart, you will see doors open.'

'You are the khalifah of Allah. Take the affairs into your heart and act.'

'There is nothing in the whole world that can contain the sajdah of the mu'min. Dunya cannot contain it.'

Market-place (suq) - Trading for free traders.

'Tijaratun a antaradh dhi min kum - Trade with mutual consent.'

'Before the time when state constitutions were in place, the market place has been a public institution. If we were to restore muamalat, the market place must exist as a public entity.'

'Market place is essential. It is fundamental in regard to trading. The market is such an original institution to societies that it precedes the formation of government.'

' Market-place is built for trading.'

' When Rasulullah (saw) went to Madinah, the first institutions that he built were the mosque and market.'

'We saw this in Bosnia. When it was destroyed in the war, the first civic institution that was built, before the govt of Sarajevo, was the market of Sarajevo. The first thing that brings the people together is their willingness to trade.'

'Rasulullah (saw) said that the sunna of the market is like the sunna of the masjid. Market is a sadaqah to the people. It is a waqf. Like the masjid.'

'There were traces of the majestic architectures of market-places devoted for trading, for the free traders, the people of the city, that muslims have created in the past.'

' A market-place is a fundamental part of muamalat. If the market-place is monopolised, then the distribution is monopolised, eventually the production is monopolised. Not only the monopolistic supermarkets decide whose products get to be on their shelves, but eventually, they start producing their own brand names.'

'When super-markets appear, the standard of living go down because monopolists kill the economy. This is because the people cannot have all the money. The money is in the hand of the monopolists.'

'Confuscius said - The profit of a nation is not making profit, the profit of a nation is its equity (justice).'
'You dont make money by pursuing profit, but it is made by the balance. It is to uplift the society. On balance, and not by one person who gains all the money. Balance can only be granted by justice. Justice in Islam.'

'Only in Islam so clearly define these matters with such clarity and accuracy. No little detail has been left out. The market-place is very clear in the sunnah, clear in hadith.'

'Our task today is to establish the Open Market of Kuala Lumpur. It will be the open market for the free traders. The market is to give them the status they deserve. To uplift them.'

'The entire Imaret was financed by the revenues created by the market-place.'

'The suqs and caravans come together. Without the suqs, there are no caravans. The prominent feature of the suq is the caravan-serai. The caravans represent the people of the city.'

'Caravans are entirely linked to the contract of Qirad. It is a contract not based on collateral but based on reputation, given to you by your community of people, your jamaa, your caravan. Traders work in a group as a jamaa, which is natural in traditional societies.'

'The market place is regulated by the guild of traders.'

'The building of an Islamic city around the market-place will guarantee the welfare of the people. There is something with a difference, something built upon riba and something built upon trade.'

'And in establishing the market, we would have put another step into the fulfillment of the complete model of muamalat. In these market-places we will establish the use of the gold dinar. '

'In this market-place where the caravanas come in, the qirad will be established through the caravans.'

'With the dinar, qirad and market-place we create the Core Mechanism. Each sustains each other. It will generate its own momentum. The dynamics will sustain itself.'

Dinar Emas Islam ( Islamic Gold Dinar ) - Muqaddimah dan Penghayatan

Kuliah ini telah di sampaikan oleh Saudara Umar Vadillo di pejabat Jabatan Agama Islam Selangor Darul Ehsan di Shah Alam pada 5 April 2010. Terjemahan ke dalam Bahasa Malaysia oleh saudara Khalid Shah.

Bahagian 1 membentangkan perlunya perlaksanaan penggunaan Dinar Emas sebagai matawang negara.
Bahagian 1 (Part 1)



Bahagian 2 mengandungi beberapa soal-jawab bersama kakitangan jabatan.

Governance according to Muamalat with special emphasis on the Sultanate of Sulu, Nusantara

'The Islamic Gold Dinar is about freedom. We live in a society where there is no freedom. We are not aware this is a problem. The big problem is that we do not know that we are not aware. We are not aware that we are economic slaves. We are not conscious that we are being robbed and that, we are insensitive to our own situation.'

'Understanding muamalat is the basis of understanding everything else.'

'99% literature written in the last century on Islamic economics or reform of economics are without the understanding of muamalat, disregard or ignoring muamalat.'

'Identities according to the belief of Islam, which we adhered to, has been replaced by nationalistic realities with carved out maps, left by the colonialists on their way out. The departure of the colonialists from these lands did not draw any acceptance in the name of defending the people of the land or their interests. It only guaranteed the destruction and the paralysis of the muslims.'

'This is before we talk about the constitutions, the legal system, the economy system. This is about the boundaries and identities that were created in these lands. It is all filled with the nationalistic emotions between this country and the other.'

'Constitutionalism and nationalism are bound together. Constitutionalists and nationalists were anti-Caliphate. They were enemies of the Deen.'

'Islamic education in Malaysia and Indonesia have been based on Islamic reform. Islamic reform is a thesis on Islam based on finding a cure without knowing muamalat first.'

'The Deen of Islam is simple. To understand the Deen of Islam is the simplest thing on earth. The problem comes in the way we reason in our adhering to the Deen today. To find the simplicity to understand Muamalat, we have to decode our situations into the terms and knowledge of muamalat and then the matter comes to us with clarity.'

'In examining this matter, we have to look at the encompassing vessel from which
The Sulu people wants independence from the Philipines.'

'I was looking for the true sultanate of these lands. I wanted to find who are the people who had never surrendered. Who never said YES to the colonialist package. I looked and looked and looked and I found this in two areas, its Sulu and Acheh. And well,a little bit in Kelantan.'

'To become a state-hood ( nation-state ) according to the United nations, it has nothing to do with independence or freedom. It is in fact slavery. In order to attain freedom or independence in the first place is to attain it FROM United Nations, NOT WITHIN the United Nations.'

'The issue of sovereignty cannot be demanded from someone who does not have it. The United nations does not give sovereignty. It does not have it. Sovereignty belongs to Allah (swt). We ask Him for sovereignty.'

'The Darul Islam in Nusantara will start with the independence of the Sultanate of the Sulu people.'

'The only reality that I believe in is the one in which is ' La hau la wa laa qu wata ila bilLah'. It stands out first. This is what matters to us. This is our strength. This is what we live for and this what we die for. This is our gain. It is our loss if we miss it. '

'Most important is that Allah has granted us success. As the Moro people of the west in AlAndalus once wrote in the walls of AlHambra - 'La ghaliba ilaAllah' when they established the Deen of Islam in the al Andalus. We will will inscribe the same. Assalaamualaikum'

'The Suq ( Market ) and Waqf of Madina' by Umar Vadillo

'Ibn Khaldun who was a qadi, was considered to be the Father of History because he was the first person who encountered an understanding of history in the way of interpretation of events. Not just relating events, but interpreting it. Ibn Khaldun said 'What makes a city ? What distinguish a city from a settlement? It is the existence of the market-place.' So, when there is no market-place, a place is still called a settlement. It does not become a Medina yet. It becomes a Medina when it has a market-place.'

'The Muslims of Madina did not invent the market-places. Just like we did not invent the gold coins. It had existed from the beginning of societies. That society itself allocated a space, that was a public space, … public, meaning own by everybody, where the people can trade.'

'A super-market is a monopoly. It destroys trading, destroys distributions and ultimately destroys production because eventually it becomes part of the monopoly that controls retailing.'

'The society with monopolies has nothing to do with trading, and that society has nothing to do with Islam.'

'It is sufficient to start with the fact that the restoration of the market-places into muslim societies is a fundamental pillar in our war against riba (usury).'

'So when people ask me is there any country in the world now using the gold dinar? I tell them not to ask me that question. I tell them to ask me 'Was there any Muslim country using the gold dinar when the Caliphate was established? I answered them ' ALL without exception. ''

'The silk routes and other routes. Every spot on the lines of the trade routes on the map of the muslim world represents a major market. These were the very heart of the trading activities of the muslims world when they were masters of trade. It is very clear in this picture that we were a middle kingdom. Therefore, land trading was fundamental in our wealth.'

'Market places, before and after Islam, were public institutions. They were own by the people. They belong to the people. And Rasul (saw) actually documented in his saying the fact that the Suq is a sadaqah to the people. Meaning, the institution that regulates the market place is the Waqf.'

'Rasul (saw) said, ' The sunnah of the market is like the sunnah of the masjid.''

'Rasul (saw) said 'This is your market. Do not divide it into sections. Do not impose taxes.''

'It is a fundamental right of every individual to have a place ( space ) to trade without any limitations. Monopolistic super-markets break down the fundamental freedom of societies to do trading.'

'Privatisation of markets have killed trading. '

'The sukka are the people of the market. The sukka were dominantly women. The tujar, the traders, the people who were in the caravans were mostly men. This was not exclusive at all. It is also known there were some men in the market of Madina. The retail in the market place were mostly run by women. The women run the society. The market place is their domain.'

'What made Kelantan special in my view is the market of Siti Khadeeja. What makes their women special because they have this entrepreneural spirit. I remembered going to Pasar Siti Khadeeja. 20 yrs ago. Now, the whole thing is falling apart. It is very sad. Extremely sad. In those days it was absolutely vibrant.'

'With the coming of the British to the middle east, among the first measures they undertook was the nationalisation of the wakf. The wakf that represented the wealth of thousands of people in the society. It is the property of Allah (swt). It cannot be sold or repossessed, or anything of the kind. It was taken over. It was systematically nationalised solely in order to create the first condition for the establishment of the capitalist institutions.'

'In the same way that Henry VIII nationalised all the properties of the Christian monasteries for giving birth to the perfect monarchy that later on became the first modern state. The same way the British did later with the waqf of the muslims.'

'That's the beauty, the beauty is that Allah (swt) build the world bil-Haqq. The thing that give us the strength and put light to where the darkness is .. is Madina al-Munawarra. Al -Munawarra … the Light. Nur. This is our Light.'

'The Contract of Qirad' by Umar Vadillo and a special introduction to 'Root Islamic Education' written by Shaykh Abdalqadir as-Sufi

'But, … Malik, …. Malik is the source, without any question. So going back to Imam Malik is not going back to one of the many ( a choice of one from many ), it is going back to THE direct source for all. It is the source for the people in Iraq and for everybody else. And out of all the matters of which Imam Malik is the strongest, he precisely has almost unique knowledge in the matters of the Amal of the ahlal Medina.'




'Qirad is a contract for a loan of money for a business transaction. It is a contract for a business loan. Strictly a loan of money from an investor to an agent.'

'Qirad is the word used in Medina. The word used in Iraq is mudharaba. They both means the same.'

'The contracts performed by the islamic banks today are completely distorted. It is impossible to call the contracts performed by islamic banks as qirad or mudharaba. Present banking contracts is a complete deviation meant to validate riba.'

'If you do not know what is haram, then the whole things becomes blurr. Then what is 'halal' and what is 'haram' are all mixed up. Resulting today, transactions that are completely haram, without any question, are made halal.'

'Ferdinand Braudel, a french historian is the very few historians that paid attention to the economic development and the life of people. He considered that the key for the uplifting, the creation and the success of the Italian city-states was the adoption of the new contract bought from the east called qirad. In the west qirad was called commenda. It showed the enormous power of qirad.'

'When the interest rates appeared, qirad slowly vanished. Nobody could compete with the banks, who could offer credit for nothing. They were creating money out of nothing, while imposing tax on everybody else.'

'Conditions for qirad 1.Qirad starts with money and ends with money. 2.No collateral 3. No timing (period) for contract 4. Profit of business is split according to the percentage established between agent and investor.'

'How was this done in Medina without collateral? The people had honour. This was a community of people with honour. In this time the honour of an individual was his collateral (capital).'

'Without collateral, the agents are chosen by their referral (recommendations) and an acceptable track record in being an agent.'

'Money, Market (Suq) and Qirad – these are what I call the Core Mechanism. And according to core mechanism of Muamalat, once these three elements are put into place the whole synergy between the three of them will make the whole phenomenon of Muamalat unstoppable.'

'The Introduction to Ad-Deen Al-Muamalat' by Umar Vadillo

'Knowledge that does not take you away from dunya is not knowledge at all. Any knowledge that attaches you to dunya is not knowledge.
Knowledge is to want Allah more than you want anything else.'- From The Basic Research by Ibn Ajiba

'Knowledge is not about acquisition of information.'




'To understand the economic mess, you have to understand Muamalat. Things will become clear. And for you to act, you need Iman, Taqwa.'

'The model of modernity was in the way of the conquering kufar, the economy was the economy of the conquering kufar, the legal system was the legal system of the conquering kufar, the political system was the political system of the conquering kufar. Islamic Constitutions, Islamic Democracy, Islamic Capitalism - Ideas of reform were ideas of islamisation. Not an idea of social reform but an idea to reform Islam.'

'With this little coin - the Gold Dinar, the ringgit will be put into question. When the ringgit is put into question, the Central Bank will be put into question. When the central bank is put into question, then the islamic banks will be put into question. Consequently, the zakat will be put into question, and then the Muftis will be put into question. Everything will be put into question with this little coin.'

'You are capable of realising the Victory of the Deen of Islam.'

'The only nation that exists in Islam is the Darul Islam with the restoration of the Caliphate.'

'The integration of all the Muslim people under one nation in Darul Islam will take its first step with the introduction of the Gold Dinar.'

'We use the gold dinar because we love Allah (swt). It is the blessed currency mentioned in the blessed Quran'

'Philosophy is a way of thinking, originated by the Greeks 2500 years ago. It is a way of questioning, the 'what', the 'where' and the 'how'. Science is a branch of philosophy. We dont need science to think, we need Islamic thinking.'

'Science does not think. If this knowledge of Science does not admit its limitations, then, it will become dangerous.- Martin Heidegger'