if you were asked to 'what are your personal and non-academic achievements' what would your response be.......feel free to mention what ever you like

Thanks sis for the post..and all those who wear the hijab keep it up..u have dignity in this world and IA heaven in the hear after. As for Johnny B If a women hasnt got the know how to obey her creator..what good can she do in this world...wouldnt let her clean my shoes...sxb dont let the school u go to do pollute your head..it aint gonna last....but the akhira is ever lasting..so if i was u i would watch out for what i utter

funny stuff....but u r ment to hate the kafirs and u r not ment to shake hands with the opposite sex so i dont know whats he is talking about. Dacwah is suppose to be done in a intellectual way and as muslims our character and behaviour should be representing islam all the time....unfortunelty he is right in that a lot of muslims dont represent the islamic way life these days..and the more we copy and follow kafirs the less islamic we will become.

Salama Calaykum Questioning god and its power is very dangrous and leads to SHIRK which in turn Leads to HELL...and I can assure you HELL is much worse than being poor in AFRICA or any suffering in this world. Allah subxana watacala said in his QURAN: 1) 'Be sure we shall test you with something of fear and hunger, some loss in goods or lives or the fruits (of your toil), but give glad tidings to those who patiently persevere, Baqarah, 155' 2)'Do men imagine that they will be left (at ease) because they say, We believe, and will not be tested with affliction? Cankabuut,2' So Ofleh, do you doubt these ayats from the Quran. Allah said in the quram also 'Verily Allah will admit those who believe and do righteous deeds, to Gardens beneath which rivers flow; while those who reject Allah will enjoy (this world) and eat as cattle eat; and the Fire will be their abode. Maxamed,12' So those you refer to in africa, the women and children who pray and beg allah..their reward is with allah and I am sure all of them would prefer to have their reward in the AKHIRA when it really matters and be poor in this world. Because remember this world is nothing and we are mere travellers in it, Like allah said in his Quran 'Know that the life of the world is only play, and idle talk, and pageantry, and boasting among you, and rivalry in respect of wealth and children; as the likeness of vegetation after rain, whereof the growth is pleasing to the husbandman, but afterward it drieth up and thou seest it turning yellow, then it becometh straw. And in the Hereafter there is grievous punishment, and (also) forgiveness from Allah and His good pleasure, whereas the life of the world is but matter of illusion, xadiid 20'

Thank sis for the advice on the peice you posted. The bottom line is HIJAAB is WAAJIB for women and it has been ordered in the QURAN. Moth_To_A_Flame The hijab is ISLAMIC not CULTURE...and its waajib for you to wear it....not a matter of choice....the matter of choice is in wether u r a muslim or not...if you become muslim you have to abide by all its rules. and women who wear hijab are better and higher in status than those who dont...

I see Jumabubu is getting despertate..so desprate that he is talking about fortune tellers and 'dad is dhiibay' but i dont mind that...cos every1 plays dirty tricks. As for Rahima...she is consumed by hatred towards Pland..and anything good that happens in Somalia..the hatred is very deep ....sis get over it and live life... As for the deligates...anagaba waan is dhiibnay why deny them the same rights.

Qanjir=gland. Recently worked in Somalia and they reffered to Goiter (which is enlargement of the thyroid gland) as buro. what i normally do is just explain what the organ/gland does...and it usually works. hope this helps.

Macalimuuu...sxb i understand u r angry that these men were punished but no need to vent u r anger at OG girl who is only try to explain the Saudi position. The only ignorent person who didnt understand what OG girl said is you....and English is not u r language either...so she can spell it wrong as much as she wishes. (at least she is prficient in arabic..the laguage of our religion) Didn't the westerners that brainwashed you teach to respect other ppls opinions....even if you dont like it...

cajiib....dadkeeni ilbaxnimada ayey qalad kafahmeen...hada naag qaawan oo aan ilaaheed ka xishoon baan faanineynaa...will see where we go next.

O.Girl....dont waste u r breath on some of these ppl....they r summun, bukmun, cumyun.....fed by the west free food and thus brainwashed....how can one say sharia law is outdated and babaric.. if the west u claim to be so just and allows people lawyers..why they holding ppl in gunatanamo. I aim sadden 6 somalis were punished but iam not gonna attack islam bacause of it. Amethyst/macalimu....get off u r high horses and stop feeding us the bullshit the western kufars feed you....quaoting amnesty all the time. china has executed over 3000 ppl in 2004 compared to with saudis modest number

Socod_Badne...sharia law is what the quran amd sunnah of the prophet say....if you refuse to belive it or live by it..then your rejecting the deen of al-islam. The islamic religion is a whole package...you cant take the theological(belive in the heart) part and leave the practical aspect(sharia law) aside..its all or nothing. I can see your little emotional at the moment..but please reflect and think about your above comments and repent to allah and seek foregiveness bro. may allah make it easy for all of us

I am not going to defend the Saudi Goverment and I dont agree with the killings if it was not based islamic law....cos we dont know the ins and outs of the case...few reports from the western media are hardly reliable. But I must say..what a sad day..for those that got killed and their famalies and many ppl in this forum. I agree you can protest..but those ppl that are stating ignorant and wrong opinions about sharia law and islamic issues aare on the verge of KUFR. Macalimu/Socodka aduunka...islamic sharia is is the best law in the world...its devine and has no flaws 100% correct...so if i was u i watch what i write. Thoses claiming about democracy and free country bullshi..whats Guantanamo bay, how many muslims r in jail in the UK/USA without reason, trail, or representation....so cut the crap about law and justice. Finally all those ppl insulting the arabs..remember our prophet was an arab..and he was chosen because they are the best of people. And the services Saudi Arabia does for the muslim world are uncountable...from Hajj to the publishing of musxaf and other materials.

ASA Thanks for the benifical information sis and bro. XAMAR your very confused bro....stating facts you dont know about...what is salafi dawah and how is it related to al-itixad....bro like a lot of Somalis you seem to have hatred/anger towards our arab brethrens...so i suggest u loose it cos they are our muslim brothers and neighbours

Man feel sorry for lot of ppl...all the shit daynile.com is writing is like its victory day.....for a vote that did not even happened.....i figured they appose peace in somalia cos they gonna lose all the properties they stole in magadishu and all farms their warlords occupy...they should wake up to the realy on the ground...soon every1 will get their house back/farm.......thanks to allah and our new president/prime minister. remeber there will be no peace without justice.

------------------------------------------------------------------------------ The Somali Students Association UK – UK:SSA Invites You To A Talk On: Allah’s Mercy & Muslim Identity Speakers: Br. Mohamad Adam (Islamic Studies Teacher, Woolwich) Br. Habib Hussein Mohamad (Assunah Islamic Centre, Tottenham) On Wednesday 16th March @ 6-PM SOAS (School Of African and Oriental Studies) University Of London Thornhaught Street Russell Square London WC1H OXG Room: G2 (Please report to reception where you will be directed) Nearest Tube Station Russell Square, Piccadilly Line

The Somali Students Association UK – UK:SSA Invites You To A Talk On: Allah’s Mercy & Muslim Identity Speakers: Br. Mohamad Adam (Islamic Studies Teacher, Woolwich) Br. Habib Hussein Mohamad (Assunah Islamic Centre, Tottenham) On Wednesday 16th March @ 6-PM SOAS (School Of African and Oriental Studies) University Of London Thornhaught Street Russell Square London WC1H OXG Room: G2 (Please report to reception where you will be directed) Nearest Tube Station Russell Square, Piccadilly Line

SA Guys i agree it is better to buy a house then rent it because you save money and have more security. Now the problem is how you gonna buy it...if you read the fatwa i posted above you will understand the issues involved in the so called islamic morgates...the sheykh critically analyses the way the work and conlcludes from many different components of this halal morgate to be haraam....so i urge you brothers and sisters to read this document..if anything you might begin to understand how these companies make thier money.....good luck all those trying to buy a house.

ASA These Islamic banking companies sound very realistic and good. However, if you look into their practices you will find many mistakes...this is a Fatwa on the Impermissibility of the HSBC and other "Halal" Mortgages.....from the UK please read it. http://www.islaam.net/main/display.php?id=1232&category=7 wassalam

What a great shame....the banning of nationalist. He was an active member..with a bit of temper...how ever he was provoked in this instance and always the instigators should be punished...we all know he was not. I read many post evryday and there r so many rules violated...but what does the admin do NOTHING. However the use nationalist as example to the rest. So bring back nationalist...or ban the others involved with him. Sorry about the rant guys...dont do often.

Hey AJ Thanks for highliting the problem.....and Iam disapointed how some ppl in this discussion took it so lightly.....as somalis say 'dad kaabadan iyo daad wey ku qaadaan'...so the longer we stay in kufaar lands the more likley we are to become like them...may allah save us from the kafiriin.

The ruling on the permissibility of financing properties using Islamic ijara mortgages as currently implemented by HSBC and other banks Many people have enquired about the permissibility under Sharee’ah of the so-called Islamic ijara mortgages recently announced by banks such as HSBC. As it is in the interest of all Muslims to have a current and accurate understanding of the issues involved here, I have concluded the following judgement based upon the Quran and Sunnah in accordance with the understanding of the main school of thoughts. Let me first brief the reader regarding the manner in which the scheme works. Under the ijara (rental) variety of Islamic mortgage, the bank purchases a property selected by the client, following a promise from the client that he or she will live in that property and purchase it after an agreed period of time. In return, the client pays monthly installments to the bank, mainly composed of two payments. One portion of the installment is considered to be a payment of the purchase price for the property, and another portion is counted as rent that the client pays for living in the property in the meantime. The purchase price paid by the client is equal to the purchase price initially paid by the bank for the property. Once the client has paid all of the installments, in other words the purchase installments plus the rental installments, the bank will transfer the ownership of the property to the client. The bank makes its profit from the difference between the price it pays for the property (including related transaction costs) and the amounts received in installments from its client. This type of scheme, with some minor modifications, is used in the United Kingdom by HSBC Amanah Finance, Ahli United Bank and United National Bank[1]. In principle, an ijara scheme can be structured in such a way as to be acceptable under Sharee’ah so long as certain conditions are met, the discussion of which is beyond the scope of this judgement. However, the implementation of the scheme by the above banks is highly problematic. Firstly, the contract is ambiguous in terms of its nature. Is it a lease contract, a purchase contract or a combination of the two? Some scholars have prohibited combined contracts (for example, a transaction that combines both lease and purchase), as the Prophet (peace and blessings of Allah be upon him) prohibited two transactions in one transaction. This is the opinion adopted by most of the scholars, and although there are some who have allowed this type of transaction under certain strict conditions, there is a consensus that the presence of a significant amount of ambiguity invalidates a contract. Among the many Prophetic traditions on this point is that of Ibn Umar, who related that the Prophet (peace and blessings of Allah be upon him) forbade sales that involve uncertainty or ambiguity (gharar)[2]. Many scholars, including the foremost Fiqh councils of our times[3], believe that if rental and sale are mixed in such a way that one cannot distinguish at any point of time whether the client is a tenant or a buyer, then such a contract is invalid according to Islamic jurisprudence. When pressed to clarify the nature of the ijara mortgage, staff in Islamic banking departments frequently describe it as a ‘lease ending in a purchase’. Yet if this really is the case, then the ijara mortgage should display the features of a lease throughout the entire time-span of the contract (often as much as 25 years) until it concludes with a purchase event. In other words, the bank will rent the house for a period of time with the promise that it will sell to the client at the end of the tenancy. During the tenancy, the bank will be the legal owner of the property. After the tenancy the client will be the legal owner. Although many scholars do not allow this type of combined contract, let us for the sake of argument consider it to be valid according to the opinion of those scholars who accept it. When we examine the available ijara schemes more closely, we find that the theoretical structure outlined above does not exist in practice. The ijara contract as it stands is neither a lease nor a purchase. Rather, it is closer to a conventional loan where the bank lends money to a client for a property purchase, and requires that the client must repay with a markup (under the guise of ‘rent’). Consider the following questions which illustrate the ambiguity of the contract: 1- Why does the tenant need to pay a large down payment? (Frequently an amount equal to 10% of the price is required. A genuine tenant does of course make some kind of down payment, relevant to the period of the tenancy, but no credible tenancy agreement can bind the tenant to place such a large down payment.) 2- Who pays the insurance of the house? Is it the bank or the tenant? (Technically, the owner of an asset is the one who should pay for its insurance.) 3- What will happen if there is loss or damage to the property and the insurance company refuses to cover the losses incurred? Who will pay for this? (Once again, if the bank is the actual owner, and such a loss or damage occurred through no fault of the client, then the bank cannot hold the client responsible for damages.) 4- If the tenant decides to stop the tenancy agreement, the bank will sell the property. If the price of the property has depreciated in the meantime (which means the bank as the owner of the property suffers a loss), why is the client bound to compensate that entire loss while being only a tenant? The point of all these questions is to address the central issue, namely, who is considered the actual owner (and thus liable for any damages or depreciation in value) for the duration of the lease? Is it the bank (in which case all of the above scenarios do not make sense), or is it the client (in which case this contract is not a lease contract in the first place, but rather something else)? A bank may give an answer to all or some of these questions, supported by quotations from jurists past or present. Some of these answers may indeed prove to be acceptable when looked at in isolation but, when taken as a whole, such practices may invalidate the contract. To illustrate our point, the bank might state that, according to a particular school of thought, the down-payment is not a part of the price of the property since it is not a purchase agreement. Rather, it is an assurance that the tenant is serious in renting the property for a given period of time (up to 25 years, perhaps). Such a condition is acceptable according to some jurists. Furthermore, the bank may state that the insurance is paid by the tenant based on a mutual agreement, and there is nothing wrong with such a condition, for the Prophet (peace and blessings of Allah be upon him) said “Muslims are bound to the conditions taken on by themselvesâ€. In the meantime, they might claim that they are bound by English law to hold the title of the property, and will only pass it to the client upon the final payment. However, the contractual agreements that are signed between the bank and its client put all of the risks of ownership upon the client, and these factors defeat the purpose of ijara, even if technically speaking the bank claims to follow the letter of the English law as the ‘owner’ of the property. In the above we see arguments that are each, on their own, widely considered to be valid. However this should not lead us into the grave error of assuming that three valid matters when combined produce a valid outcome. Take, for example, the plain riba transaction, but in the following framework: 1) An interest-free loan, (which is something recommended) 2) A gift, (which is again, something recommended) 3) A promise. Taken individually, these three transactions are completely valid. However, if they are combined in a single contract, the result is pure riba. For example, I say, ‘Grant me a loan which I will repay you (a valid matter), and I promise you (a second valid matter) a gift (a third valid matter) in addition to the repayment when it becomes due’. Is this contact valid or is it riba? The answer is that it is manifest riba without any doubt, since the one who gave the money was promised that same amount back along with some profit. So, we need to look at the end-to-end process here and evaluate it as one transaction. And we need to answer the critical question: who is the real owner of the property during the whole process? Is it the client while the bank is just financing the deal as it does in a normal conventional mortgage? Or is it the bank? If the owner is the bank, then does a real owner free himself from any responsibility towards his property? Why does the bank avoid owning the property? Here, we need to explain an enormously incorrect methodology in deriving Islamic verdicts. A verdict should be derived by looking at a matter in its totality, in light of the aims behind it. When we break the matter of discussion into sub-issues and treat issues separately, without looking at the overall picture, then we are contradicting the right methodology in deriving verdicts. The reason is very simple: verdicts based upon sub-issues might not necessarily be the same as verdicts based upon a consideration of the general situation. A very good example is the previous one. Each sub-contract taken individually is completely valid, but taken as a whole the entire contract becomes null since it is a clear riba transaction. Based on this, many if not all jurists forbade contracts which try to employ such deception. As another example to further illustrate our point, let us look at the transaction known as ‘iynah. This transaction is strictly prohibited by the Prophet (SAW), and its prevalence is a sign that the Muslim ummah will decline. The Prophet (SAW) said “When you trade with one another with ‘iynah, and hold on to the tails of oxen, and are content with farming, and give up jihad, Allah will cause humiliation to prevail over you, and He will not withdraw it from you until you return to (your commitment) to Islam.â€[4] This transaction, when broken down into individual parts and examined solely upon these parts, appears to be valid. However, when taken as a whole, it is clearly a type of riba. How exactly does ‘iynah occur? One of the means of practising ‘iynah is that one party sells a product to a second party on a deferred payment. The second party then sells it back to the seller at a lesser price, but in cash. If you break this transaction into sub transactions you can conclude that there are two acceptable sale transactions. It is allowed for a person to sell a product for a deferred payment, and it is also allowed to buy a product for cash. However, the ultimate aim of this transaction is to enact a pure riba transaction. This is because the second party receives an amount of cash from the first party and is then required to pay back an amount of greater value at a later time. As for the product itself, since it changes hands twice, it returns to the initial ‘seller’. Therefore, the product is used merely as a loop-hole to avoid the prohibition on riba. This clearly illustrates that we cannot ignore the total aims of any transaction. Jurists mention this rule as a principle (qa’idah) that is employed for all business transactions. This principle states, ‘The consideration of a transaction is to be paid to its intention rather than its format’ or, alternatively, ‘Transactions are judged according to intention’. Of the evidences for this principle is the hadeeth of the Prophet “Actions are judged according to intentionsâ€. It is true that some people might say that scholars disagree with this concept, but those scholars who disagree with this concept (like Imam Shafi'i), agree with all other scholars that the aim of the transaction should not be to overcome a prohibited transaction. In other words, all scholars are in agreement that it is sinful for two parties to try to devise a scheme that appears to make permissible something that the Sharee’ah declares impermissible. I therefore conclude that there is no significant difference between the ijara scheme outlined above and the conventional mortgage which is a pure riba-based loan. Under the ijara scheme, the bank performs what is essentially a money lending transaction, placing such conditions upon its clients that guarantee, for all practical purposes, that it will obtain the same amount of money in return plus a profit disguised as ‘rent’. It might be true that many of the individual clauses and conditions of the contract are permissible (or, at best, subject to a difference of opinion among scholars), but when put together and examined as a whole, it is apparent that there is little that separates this contract from a simple mortgage. Of the many matters that clearly illustrate this is that the risks and rewards of ownership of the house are carried by the tenant, not the bank, regardless of who is the ‘paper-owner’ under English law. Allow me to provide a real Islamic scenario for acquiring a house, and also mention a philosophical and ideological approach in explaining a very important principle in Islamic finance. If two or more parties enter a business transaction, then of course their ultimate aim is profit. Islam, being the religion of ultimate justice, does not confer advantage to any party based on one’s worldly and materialistic power. In other words, in a permissible Islamic transaction, a powerful, richer person will not have any guaranteed advantage over a powerless, poor person. Both parties have to share the same risk of loss, just as they want to share the joy of profit. This is a very logical and simple – yet powerful – principle, which is an explanation of the Islamic rule: ‘ There shall be no profit without (a risk) of loss.’ This principle is based on many Prophetic traditions, such as: “It is not permissible to sell something on condition that the purchaser lends you something. And it is not permissible to have two conditions in one transaction. And no profit is permissible unless possession has been taken of the goods. And you cannot sell what is not in your possession.†[5]In another hadeeth, the Prophet (peace and blessings of Allah be upon him) forbade selling any item from the same place where it was bought; a buyer must first physically acquire these items (lit. ‘…add them to his own luggage’), then he may sell these goods.[6] The point of this rule is that whenever an investment contract is structured such that one party is guaranteed a profit, something is simply not right. Only in a pure riba transaction will there be guaranteed profit. Any permissible transaction in the Sharee’ah must have an element of risk involved, no matter how small that element is. Therefore, when looking at this particular transaction, it is essential that the bank (the stronger party) not take advantage of the client (the weaker party) by exploiting the financial power of the former and the desperate need of the latter. If these banks enact their transactions with this principle as an underlying morale framework, I think such contracts that we now see will disappear. Yet, the reality is far from this ideal. In light of this principle, we should always ask the following question: Do these banks share with their clients the risk of loss, or are they are stipulating all possible conditions to protect themselves against any foreseeable loss? Additionally, do these so-called Islamic banks own the properties they are renting to people? If we give sincere answers to the questions in discussion, we will see that the current ijara schemes are almost identical to conventional mortgages. They appear to be a ruse designed to promote conventional interest-based practices using Islamic terminologies and Sharee’ah expressions. Based on this, the ijara scheme as it is implemented here in the UK by major banks: Ahli United Bank (formerly called the United Bank of Kuwait), United National Bank and HSBC is totally prohibited. In fact, it is a deception rooted in riba. Until the Muslims in charge of these schemes prove that the above argument is invalid and give clear answers to the questions highlighted earlier, I believe that such transactions are totally prohibited, and I warn brothers and sisters not to get involved with them. I would also like to emphasize that the view of some Muslims, that this scheme is better than the conventional riba-based mortgage alternative and should therefore be used until a pure halal scheme is available, is incorrect. This is because there is no significant difference between the two schemes. And Allah knows best. Written By Haitham al-Haddad Haitham01234@yahoo.co.uk 1 Thulqadah 1425 – Dec 12th 2004 -------------------------------------------------------------------------------- Footnotes: 1. This is based on the their respective online documents available at: http://www.amanahfinance.hsbc.com/amanah/hsbcaf.nsf/Pages/AmanahHomeFinance, http://www.iibu.com/buy_home/ijarahow.htm and http://www.unbankltd.com/pdf/UNB_IslamicMortgage_Brochure.pdf. [cited Dec 09, 2004]. 2. Narrated by Muslim. 3. See resolution no. 110 (4/12) of the Islamic Fiqh Academy (IFA) which is a subsidiary body of the Organization of the Islamic Conference (OIC). 4. Narrated by Abu Dawood and classed as saheeh. The intent of the hadeeth is that when Muslims are going to be content with this world, and not care about how they acquire wealth, Allah will inflict upon them humiliations and disgraces that will remain with them until they repent and give up their ways. 5. Narrated by Ahmad, Abu Dawood, Termthi and Nasa’ee; classed as saheeh by many scholars. 6. Narrated by Ahmad and Abu Dawood; classed as saheeh by Ibn Hibbaan and others.

Masha'allah...it so good to many bro/sis doing so well..specially in a variety of subjects. Iam down with the hospital idea...I could do the surgery IA. Are there any medics from the UK in here

they r all in the kitchen...not here.... LOL...kidding..as some1 already said and in the quaran allah said..''good women r for good men and good men for good women''...so any bro or sis thats good iam sure IA they will meet a good person..

TB TB TB TB I work in a hospital with a large Somali population....and TB is very common..in fact 80% of the TB workload are somali patients and the remainder are HIV patients.....even it got to the stage where my medical school exams all the TB question scenirios where Somalis...and now when I work in A%E(ER for the yanks)..we assume any Somali patient has TB unless otherwise prove. Can the epedimiolagist and every1 else shed light on my is TB so common among Somalis, why is it a taboo subject and many patients hide their infection and consequently not take their medication....please educate me....and this hopefully will benift the patients at my hospital.

The way HIV/AIDS spreads makes it easier to spread in communities where there is high rate of promescouity & deviant sexual practices. Hence Africa, India and guy men. You see here in the UK HIV/AIDS is exclusive to Guy men(60%)and african immagrants. FF...why does it suprise you drug companies dont want to research inot drugs...cos at the end of the day their aim is to make money. Its upto public institutions to carry out this research..therefore there are no moral or ethical implacations for me in this matter. There are almost 50 different brands of anti-hypertensives and only 5 brabds of antimalarials...whilst malria kills 2million kids each year....so its all about money..Hypretension..chronic..affects affluent nation..in comparison to malaria..acute infection..poor nations... did you know GSK(drug company) spent more money advertising/promoting one anit-hypertensive drug in the USA than Coca-cola spent spent advertising in the entire world...so its about money.