Thursday, May 19, 2011

Islamic Bank the challenges

Forbidden to you (for food) are: dead meat, blood the flesh of swine, and that on which hath been invoked the name of other than Allah, that which hath been killed by strangling, or by a violent blow, or by a headlong fall, or by being gored to death; that which hath been (partly) eaten by a wild animal; unless ye are able to slaughter it (in due form); that which is sacrificed on stone (altars); (forbidden) also is the division (of meat) by raffling with arrows: that is impiety. This day have those who reject Faith given up all hope of your religion: yet fear them not but fear Me.
This day have I perfected your religion for you, completed my favors upon you, and have chosen for you Islam as your religion.

But if any is forced by hunger, with no inclination to transgression, Allah is indeed Oft-Forgiving Most Merciful. (3) Quran Al Maidah 3

· Islam is completed and there is no transition, shariah is complete and there can’t be any more addition.
· The door of Ijtehaad is open but stopped long time ago.
· Ijma of Scholars of Ummah is open and practiced.
Those who are talking of transition period, there is no transition. There are no differences or dispute on any of the basic principles of Shariah.
· Maqasid al Shariah – everyone is agreed on it.
· Halal and Haram everyone agrees and no issues.
· Ethics, moral values and transparency is agreed upon.
· Basic principles of contract and product is agreed
Transition is only related to work in progress for something innovative within parameters and limits of shariah. (This should go on and more expertise and competence should be develop.)
I am talking of basic principles which have been agreed by AAOIFI and IFSB and IOC Fiqah Academy. How much compliant are our institutions are? I am talking about three examples.
· Even though Shariah Board of the company has very clear opinion and this opinion that the contract is Shariah Compliant and this opinion is held by all Shariah Scholars also, do company has any right to go to the secular court and fight a case in secular court (judge do not understand Shariah, his judgment will be based on who has better lawyer and argument) because company has ill intentions not to pay.
· Is there any logic or compliance when funds invest in haram, whatever may be the case?
· Can there be Sukuk for a company engaged in Haram Activities and its majority income is Haram.
· Sukuk are assets based or assets backed, when they default why there is long litigation, basically the assets should be sold to pay the investors.( there are big litigations and fights because really we do want a product which can be sold as Islamic in market but we do not want to adhere to the principle and spirit of Shariah.)
· Shariah Compliance inside the institution and its practices and its supervision of activities. How many of IFI are following these standards.
· Derivatives and structured products – There is no scope that industry can act in this matter, industry do not any right to come out re packaged product. There is no place of self-regulation (regulating or enacting or making new law) or self-governance (self-regulation). Only Shariah Scholar based on Ijma of Scholars of Ummah can come to some kind of solution for this. There is no place for industry overtones or self-proclaimed product agreed by Industry. (Even if all Ummah agrees on Haram, it cannot be allowed and will always remain Haram.)
· Industry must have enough presentation for those who understands and follows Shariah so that these people can keep watch on complete life cycle (product life cycle) of IFI products and services.
· Just Shariah Board an outsider is not enough to say company is Shariah Compliant and its Product and services is Shariah Compliant.
· There must be enough Muttaqueen (pious, who fear Allah and Follows Shariah in all aspects of life). Unless and until this happens there is little chances the IFI can remain Islamic.

Tuesday, May 17, 2011

Government takes over Dubai Bank target=

Government takes over Dubai Bank target=

How much Islamic are Islamic Bank ?

I have written on the Dubai's debacle before also. Today I am going more the pracyices adopted by Islamic Bank's and financial institutions and they are not Islamic, or does not comply with basic principles of Shariah. This is very important issue.
Islamic Bank and Financial Institutions needs cleaning , from its practices and peoples who themselves does not have enough trust in their own system. I am writting with my experience and due diligence I did while acquisition process or otherwise and public information available on these companies from stock markets.


  1. The myth about Islamic Funds ( offshore / private equity) - Only the contract remains Islamic and Shariah board has responsibility only. I have seen after that they are indulging in all Kinds of activities, investment in hotels which serves alcohol,financing conventional, and conventional leveraging more than value of fund itself. When I asked them these are funds and funds are Islmic and investment has nothing to do with investment they are making. There is not a single person who understands shariah and can look after the interest of the investor. Unfortunately this is the story and it is very sad.

  2. The most important diffrence is moral values and transparency. _ The moral's are equally bad may be more. When I look through the balance sheet and it is equally manupulative. The industry need to understand they need people who belive and has trust in the Islamic Banking and has very high moral standards. ( Taqawa ). Shariah Scholar and Promoter must understand the diffrence, if they are coming just to make money they Dubai is waiting for such people, the debacle. The leadership of such companies should be shariah compliants.

  3. The funds, investments and all value chain must remain clean andshariah compliant, otherwise there is no difference.

  4. The muslims come to the Islamic Finance the most important reason is religion, they want halal income. They do not want to go to the Fire ( Jahannam ) for eating haram in this life. This is sole reason, profit is always secondary, two things investor expect from them is Good Service and Halal Profit. ( If islamic finance can not give halal return then there is no need of it.) I personally know thousands people who leave their interest in banks and give in writting to bank please do not pay us interest.

  5. Juridiction - (فَلَا وَرَبِّكَ لَا يُؤْمِنُونَ حَتَّى يُحَكِّمُوكَ فِيمَا شَجَرَ بَيْنَهُمْ ثُمَّ لَا يَجِدُوا فِي أَنْفُسِهِمْ حَرَجًا مِمَّا قَضَيْتَ وَيُسَلِّمُوا تَسْلِيمًا ﴿4:65﴾

(4:65) But no, by your Lord, they cannot become true be-lievers until they seek your arbitration in all matters on which they disagree among themselves, and then find not the least vexation in their hearts over what you have decided, and accept it in willing submission. *95.The application of the injunction embodied in this verse is not confined to the life-time of the Prophet (peace be on him). It will remain in force until the Day of Judgement. The guidance the Prophet (peace be on him) proclaimed on God's behalf, and the manner in which he followed God's direction and inspiration, will for ever remain the universal touchstone for Muslims. In fact, recognition of that guidance as the final authority is the criterion of true belief. This principle was pronounced by the Prophet (peace be on him) in the following words: 'None of you can become a believer until his desires become subservient to what I have brought (i.e. my teachings).' (Cited by al-Nawawi in al-Arba'in, see the tradition no. 41, transmitted on their authority of Abu al-Qasim Isma'il b. Muhammad al-Isfahani, Kitab al-Hujjah with the opinion that it is a 'good' and 'sound' tradition, with a sound chain of transmission - Ed.)


Those who do not want to follow Islamic Principles they go and fight cases in secular courts even if their own Shariah Baoard is advising them otherwise. Such companies has ill intensions in their heart and they do not want to pay their investors.



  1. The practices of Islamic Banking - Tawwaruk and Murabah must comply Shariah. They are allowed but in practice how much shariah compliant they are. Secondly Wkalah contract is ISlamic, but what happens after that must be Islamic. The practices and procedures must comply Shariah.

  2. New Products - Islamic Finance do not need to compete with conventional product. Virtual products has no place in Ilamic Finace - Any kind of derivatives or derivatives based product are not needed. The scholras and industry who are trying to develop such thing must restrain themselves and sought guidance from Allah ( Istekhara). What Islamic Finance needed is people who believe and trust and work with Guidance from Allah. Allah will ( Insha Allah) will guide them to right product development and best practices.

  3. The product must satisfy following requirement.

o Maqasid al Shariaho


Conditions of contract


Islamic Economic SystemIslamic economics is based on the Shariah. The basic objectives are to ensure general human well-being and socio-economic justice.


THE DISTINCTION BETWEEN CONVENTIONAL AND ISLAMIC THEORIES


The Role of Moral Values


While conventional economics generally considers the behavior, tastes and preferences of individuals as given, Islamic economics does not do so. It places great emphasis on individual and social reforms through moral uplift.


The Importance of the Hereafter


The Hereafter is a concept which is completely ignored by conventional economics, but it is one which is greatly emphasized by Islam. Because of their innate goodness, human beings do not always try to serve their self-interest.


MAQASID E SHARIAH- the Objectives of Shari'ah


Maqasid al-Shari'ah that is, the objectives of Shari'ah can be defined as below:· Maqasid al-Shari'ah comprises those benefits/welfare/advantages for which Allah has revealed His Shari'ah.· Maqasid al-Shari'ah aims at the attainment of good, welfare, advantage, benefits, etcetera, and warding off evil, injury, loss, etcetera, for the creatures. (All this in Arabic terminology can be stated as Masalih al-'Ibad.)


Islamic Commercial Law -Legality of Cause, Object and Consideration


Let us All of us introspect and ask for guidance and success is for those who chose right path. ( Sirat e Mustkim).


وَقُلْ جَاءَ الْحَقُّ وَزَهَقَ الْبَاطِلُ إِنَّ الْبَاطِلَ كَانَ زَهُوقًا ﴿17:81﴾


17:81) And declare, "The Truth has come and falsehood has vanished: for falsehood is a thing that must by its nature vanish."



At the time of this declaration, the persecution of the Muslims was at its height. A large number of them had emigrated to Habash, and those who had remained behind were suffering from untold hardships at Makkah and its suburbs: so much so that the life of the Holy Prophet himself was always in danger. Therefore, to all appearances, falsehood was prevailing everywhere and there was no sign to show that the truth would ever overpower falsehood. That is why the disbelievers took it for a boastful talk and scoffed at it when this declaration was trade. But this prophecy of victory did come out true in less than a decade when the Holy Prophet entered the same city of Makkah as a conqueror, and entered the Ka'abah where he made the same declaration while he was breaking the three hundred and sixty idols. According to a Tradition of Bukhari, related by Hadrat 'Abdullah bin Mas`ud, "On the day of the conquest of Makkah the Holy Prophet went on striking idols and uttering these words: `The Truth has come and falsehood has vanished; for falsehood is a thing that must by its nature vanish. The Truth has come and falsehood will never reappear nor return' . "




Monday, May 16, 2011

EU-US Economies - Will Another Lehman-Style Crisis Be Prevented? - CNBC

EU-US Economies - Will Another Lehman-Style Crisis Be Prevented? - CNBC

No it is not possible. The crisis can not be prevented. When we look at present situation not much has been changed and the causes of the previous collapse are still existant in the market.


  • Too Big to Fail -- The companies which were affected and needs rresue have become bigger, the systematic risk of collapse of the system has not removed or reduced, over the years it has increased.

  • Off Balance Sheet Transaction - Derivatives and swaps are there and no body really knows how much each of them owe. How much risk or swaps or derivates they have played. Derivatives are sttill off balancesheet and not goverened by the Financial Authorities.

  • Toxic assets are still there on the balance sheet sitting and looking pretty beutiful. No one knows how much toxic each of them has and what is its worth.

  • Credit Rating Agencies are same, methods are same and methodology is the same. They are still beyond control and again started playing the dirty game.

  • Auditors are same - they have not changed their behaviour and practices. They are not controlled and supervised.

  • Housing is going down, mortges are under water and bond for them are in market. Game is still on.

Unless and untill the reasons behind the crisis are corrected, another crisis can not be avoided.


The only difference is that, Mr. Ben Bernanke has new printing press and this one is priting Dollars and Printting as much he want. No one in world is sure what is worth of this Dollar.


Sunday, May 15, 2011

IMF chief held for alleged sexual attack - Americas - Al Jazeera English

IMF chief held for alleged sexual attack - Americas - Al Jazeera English

These are the ethics and moral standards of heads of global institutions. These institutions preach the ethics and morals to everybody, " Nations and Individuals." The peoples who are corrupt in their personal life, how can they serve the humanity. The most important criteria for the leadership is its Moral Standards.

The best has the first right to lead and defination of the best is, "Quran :- (49:13) Human beings, We( Allah) created you all from a male and a female, and made you into nations and tribes so that you may know one another. Verily the noblest of you in the sight of Allah is the most God-fearing of you. Surely Allah is All-Knowing, All-Aware"

The qualities of leadership is as below,


Islamic perspective of Holistic Leadership
• Leadership in Islam
§ Definition - Process of moving and guiding people in a planned direction in which is truly in their long term best interest. Leadership is about making a change for the better
§ Objective - Provide for happiness (al falah) in this world and hereafter (dual worldview)
§ Mechanism - Obedience to the Shariah. Act in accordance with the injunctions of Allah and His Prophet

• Guiding Principles
§ Trust (Amanah)
§ Responsibility (Taklif)
§ Accountability (Mas’uliyyah)

• The Prophet Muhammad, (PBUH) is the greatest leader of all time

• Prophet’s Leadership Qualities:
§ Guiding others through modeling
§ Talent and technical specific skills
§ Initiative and drive
§ Charismatic inspiration
§ Preoccupation with role
§ Clear sense of purpose
§ Results oriented
§ Cooperation work with others
§ Encourage and nurture others below
§ Optimistic

Islamic perspective of holistic leadership

10 Essential Personal Qualities of Muslim Leaders

• Fasahah - Eloquence. Communication skills are necessary for any leadership role
"I have been given the authority over you, and I am not the best of you. If I do well, help me; and if I do wrong, set me right. Sincere regard for truth is loyalty and disregard for truth is treachery. The weak amongst you shall be strong with me until I have secured his rights, if God will; and the strong amongst you shall be weak with me until I have wrested from him the rights of others, if God will. Obey me so long as I obey God and His Messenger (Muhammad, pbuh). But if I disobey God and His Messenger, ye owe me no obedience. Arise for your prayer, God have mercy upon you.“
Abu Bakar when he was appointed as khalif

• Adl – Justice

O you who believe! Stand out firmly for Allah, as witness to fair dealings and let not hatred of others to you make you swerve to wrong and depart from justice. Be just that is next to piety (Quran 5:8)

• Shura - Mutual consultation or decision making. What kind of counselors do we need?

Extract of Letter written by Khalifah Ali bin Abi Talib addressed to Malik Bin Al Haris on his appointment as Governor of Egypt (655 C.E.)

“The worst of counselor is he who has served as counselor to unjust rulers and shared their crimes. So never let men who have been companions of tyrants or shared their crimes be your counselors. You can get better men than these, men gifted with intelligence and foresight, but unpolluted by sin, men who have never aided a tyrant in his tyranny or criminal in his crime. Such men will never be a burden to you. On the other hand, they will be source of help and strength to you at all times”.

• Taqwa - Fear of Allah

It is only the evil one that suggests to you the fear of his allies; be you no afraid of them, but fear Me, if you have faith! (Quran 3:175)

• Yaqin - conviction.

The leadership of Abu Bakar in handling the Romans, those who refused to pay zakat and the false prophet musailamah. Umar thought that it would not be a good idea to fight those people just because they fail to pay zakat. Abu Bakar replied “Revelation finished and religion was completed. Would it decrease while I am alive? When Umar say the strong conviction and firmness of Abu Bakar he immediately changed his position.

• Ma’refah - Knowledge

[and] God will exalt by [many] degrees those of you who have attained to faith and, [above all,] such as have been vouchsafed [true] knowledge: for God is fully aware of all that you do.(al-mujadalah: 11)

• Sabr - Patience

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 preserve. Who say when afflicted with calamity “To Allah we belong and to him is our return” (Quran 2: 155-156)
Or do you think that you shall enter the Garden (of Bliss) without such (trials) as came to those who passed away before you? They encountered sufferings and adversity, and were so shaken in spirit that even the Messenger and those of faith who were with him cried: “When (will come) the help of Allah” Ah the help of Allah is (always) near!

• Leen - Leniency

It was by the mercy of Allah that you were lenient with them (O Muhammad), for if you had been stern and fierce of heart they would have dispersed from round you. So pardon them and upon the conduct of affairs. And when you are resolved, then put your trust in Allah. Lo! Allah loves those who put their trust (in Him). Quran 3: 159

• Tadhhiyah - Self-Sacrifice

God has purchased of the believers their persons and their goods: for their (in return) is the garden (of paradise): They fight in His cause and slay and are slain, a promise binding on Him in Truth, through the Law, the Gospel and the Quran: and who is more faithful to his covenant than God? They rejoice in the bargain which we have concluded: That is the achievement supreme. Quran 9:111
Attitude and sacrifice of the prophet and him companions: Invocation of the prophet just before the battle of Badr “O God, here is Quraysh with all her tribe seeking to belie your Prophet. O God, give us the assistance which you promised. O God, if this little army perishes, when will you be worshipped again?”
The above invocation of the prophet indicates that even at the perilous moment before battle, the prophet’s mind is centered upon completion of his mission so that Islam prevails on this earth.
The prophet is never concerned for himself and had indeed sacrificed everything for the sake of Allah and His religion - Islam.


Statement by an Italian scholar, Leone P Di Teonao Caetani, writing in the late 17th century about the companions of the Prophet:

• These men were the true moral heirs of the prophet, the future apostles of Islam, the faithful trustee of all that Muhammad had revealed unto the men of God
• Into these men, through their constant contact with the Prophet and their devotion to him, there had already entered a new mode of thought and feeling, loftier and more civilized than any they had known before: they had really changed for the better from every point of view, and later on as statesmen and generals, in the most difficult moments of war of conquest they gave magnificent and undeniable proof that the ideas and the doctrines
• Muhammad had been seed cast on fruitful soil, and had produced a body of men of the very highest worth


It is the right of people to chose best leadership for them, the one who is not corrupt and moraly bad. It is human right of the people to have a leader who is ameen ( trustworthy) and who can preserve wealth and rights of people. We do not need morally corrupt leaders to head global bodies and nations.






Friday, May 13, 2011

THE RESPONSIBILITY OF UMMAH

THE RESPONSIBILITY OF UMMAH


“AMR BIL MA’ROOF WAN NAHI ANIL MUNKAR”



There is ijma of the u’lemaa’ that amr bil ma’roof wan nahi anil munkar is fard due to the explicit commands in the Quran and Sunnah and the condemnation, curse and criticism connected to those who neglect it. These two words came together in Quran ten times, and they are not separated. Just by calling people towards good may not work and will destroy the society as it has destroyed before.


(3:104) And from among you there must be a party who invite people to all that is good and enjoin the doing of all that is right and forbid the doing of all that is wrong. It is they who will attain true success.
(3:110) You are now the best people brought forth for (the guidance and reform of) mankind. *88 You enjoin what is right and forbid what is wrong and believe in Allah. Had the People of the Book *89 believed it were better for them. Some of them are believers but most of them are transgressors.
(3:114) They believe in Allah and in the Last Day and enjoin what is right and forbid what is wrong, and hasten to excel each other in doing good. These are among the righteous.

Abu Saee’d al Khudri reported that Nabi (saw) said “If one of you sees a munkar he should change it with his hand if he is not able then with his tongue and if he is not able then with his heart and that is the weakest of imaan” (MUSLIM) This hadeeth is a command to every individual Muslim to remove munkar if he encounters it, if he cannot remove it then she should forbid with his tongue and if he is not capable of this then he must at least hate the munkar in his heart and desire it to be changed.

(9:112Those who turn back to Allah over and over again; those who worship Him, those who sing hymns in His praise, those who move about in the land for His sake, those who bow down and prostrate before Him, those who enjoin virtue and forbid evil and strictly observe the limits prescribed by Allah (are the Believers who make such a bargain with Allah; and O Prophet, give good news to such Believers.

That is those who "strictly observe the limits prescribed by Allah . . . . . " in regard to the Articles of the Faith, worship-morality, social behavior, culture, economics, politics, judiciary, peace and war- in short, in all the aspects of their individual and collective lives. They neither transgress these limits in order to follow their lusts nor invent laws nor replace the Divine Law by other laws. They establish these limits and prevent their violations. Hence, the true Believers are those who not only strictly observe the limits prescribed by Allah, but also do their very best to establish them and safeguard them so as to prevent their violation to the best of their powers and capabilities.

These are limits which Ummah has responsibility towards mankind. Today what has been forbidden by law has become part of our life and what we have been to do, we have forgotten. This is exactly the reason when Ummah stop doing responsibility then Allah removed them from that responsibility.
This is what mentioned in Quran.

(5:78)Those of the Children of Israel who took to unbelief have been cursed by the tongue of David and Jesus, son of Mary, for they rebelled and exceeded the bounds of right.
(5:79)They did not forbid each other from committing the abominable deeds they committed. Indeed what they did was evil.
The corruption of any nation begins with that of a few individuals. If the collective conscience of that nation is alive, the pressure of public opinion keeps those persons in check and prevents the nation as a whole from becoming corrupted. But if instead of censuring such individuals, the nation leaves them free to behave corruptly, the corruption originally confined to a few continues to spread till it engulfs the whole nation. It was this which ultimately caused the degeneration of Israel. (For the curse against Israel in the words of David and Jesus see Psalms 10, 50 and Matthew 23.)

I am not discussing MARUF, I am talking of MUNKAR which has entered our society and slowly and slowly it becomes part of our society. Society has stopped them considering evil. These evils are destroying our society.


What are the major MUNKAR in our society?


1. Shirk (Associating others with Allah) – this is also not point of discussion today.
2. Riba – I have written about this in my previous posts.

TODAY’S PROBLEM IS, PHOTOGRAPHY, VIDEOGRAPHY AND MUSIC.


All these three has been forbidden in Islam but all these have become part and parcel of lives. Society has stopped considering it forbidden. (Haram) – Prohibited.
It is not permissible to make video recordings or produce pictures of animate objects where there is no dire need (eg; taking pictures for Passports, Visas etc). Picture making (of animate objects) is regarded to be a major sin in Islam.
Ibn 'Abbaas (may Allah be pleased with him and his father) reported that the Prophet (peace and blessings of Allah be upon him) said: "Every image-maker will be in the Fire, and for every image that he made a soul will be created for him, which will be punished in the Fire." Ibn 'Abbaas said: "If you must do that, make pictures of trees and other inanimate objects."

sahih Bukhari Vol 3, Book 34. Sales And Trade. Hadith 318.
Narrated By 'Aisha : (Mother of the faithful believers) I bought a cushion with pictures on it. When Allah's Apostle saw it, he kept standing at the door and did not enter the house. I noticed the sign of disgust on his face, so I said, "O Allah's Apostle! I repent to Allah and H is Apostle. (Please let me know) what sin I have done." Allah's Apostle said, "What about this cushion?" I replied, "I bought it for you to sit and recline on." Allah's Apostle said, "The painters (i.e. owners) of these pictures will be punished on the Day of Resurrection. It will be said to them, 'Put life in what you have created (i.e. painted).' " The Prophet added, "The angels do not enter a house where there are pictures."

Today there is phone with camera which can click anything all the time, it is just like evil in the hand. These pictures and video’s will take those who are clicking it to the fire of hell.
1. [It was narrated] from ‘Abd Allah ibn ‘Umar (Allah be pleased with him) [that] he said: Allah’s Messenger (Allah bless him and grant him peace) said, “Verily those who make these pictures will be punished on the Day of Resurrection. It will be said to them ‘Bring to life what you have created!’” Al-Bukhari transmitted it in Bab ‘Adhab al-Musawwirin, and Muslim in this chapter.
2. [It was narrated] from ‘Abd Allah ibn Mas‘ud (Allah be pleased with him) [that] he said: Allah’s Messenger (Allah bless him and grant him peace) said, “Verily, of the most grievously tormented people on the Day of Resurrection are picture-makers.” Al-Bukhari and Muslim transmitted it.
3. Abu Zur‘ah said: I entered the house of Marwan with Abu Hurayrah, and he saw pictures therein and said: I heard Allah’s Messenger (Allah bless him and grant him peace) say, “Allah (Great and Glorious is He) said, ‘And who is more unjust than one who set out to create a creation like My creation? Let them create an atom, let them create a grain, or let them create a barleycorn!’” Al-Bukhari transmitted it in Bab Naqd al-Suwar, and Muslim in this chapter.
4. The hadith of Abu Talha in this chapter: “Angels do not enter a house in which there is a dog or a picture.”
5. [It was narrated] from Abu Hurayrah (Allah be pleased with him) in marfu‘ form: “Angels do not enter a house in which there are sculptures or pictures.” Muslim transmitted it in this chapter.
MUSIC

Islam totally forbids adultery and also those things that lead to it. Allah Most High says:
“And do not come near to adultery, for it is a shameful deed and an evil, opening the road (to other evils)” (al-Isra, 32).
Islam does not only prohibit adultery and fornication, but also those things that may lead to it. This is the reason why the Qur’an orders Muslim men and Women to lower their gazes. It prohibits one from being alone with someone from the opposite sex (khalwa). Informal interaction with the opposite sex has also been made unlawful.
This is also one of the main reasons for the prohibition of music, as it effects one’s emotions, creates arousal, passion and excitement, and also leads to various physiological changes in the person. It is a psychological proven fact that two things are instrumental in arousing the human sexual desire, one being the voice of a female (for males) and the other music.
1) Allah Most High says:
“And there are among men, those that purchase idle tales, to mislead (men) from the path of Allah and throw ridicule. For such there will be a humiliating punishment” (Surah Luqman, V. 6).
The great Companion Abd Allah ibn Mas’ud (Allah be pleased with him) states in the explanation of the word “idle tales”:
“By Allah its meaning is music” (Sunan al-Bayhaqi, 1/223 & authenticated by al-Hakim in his Mustadrak, 2/411).
Imam Ibn Abi Shayba related with his own transmission that He (Ibn Mas’ud) said:
“I swear By Him besides whom there is no God that it refers to singing” (132/5).
The great Companion and exegete of the Qur’an, Abd Allah ibn Abbas (Allah be pleased with him) states:
“The meaning of the word is music, singing and the like” (Sunan al-Bayhaqi, 1/221& Musannaf Ibn abi Shayba, 132/5).
He also stated:
“Music and the purchase of female singers” (Musannaf Ibn Abi Shayba, 132/5).
Hasan al-Basri (Allah be pleased with him) said:
“This verse was revealed in relation to singing and musical instruments” (Tafsir ibn Kathir, 3/442)
The same explanation has also been narrated from Mujahid, Ikrima, Ibrahim Nakha’i, Mak’hul and others (Allah be pleased with them all).
(1) Hadhrat Abu Maalik Ash'ari says that he heard Rasulullah says:
"Most certainly, there will be in my Ummah people who will make lawful fornication, silk, liquor and musical instruments." (Bukhaari)

(2) In another version of this narration, Rasulullah said:
"Most certainly, people from my Ummah will consume liquor which they will describe with some other name. Over their heads will be playing musical instruments and singing girls. Allah will cause the earth to swallow them, and from among them He will transform into apes and pigs." (Ibn Maajah )

The punishment for music and singing is exceptionally severe. Some Juhhaal (ignoramuses) have attempted to escape the condemnation of music and singing stated in this Hadith by presenting a very stupid argument. They argue that the punishment mentioned in this Hadith applies to a collective act which consists of four deeds, viz., fornication, silk, liquor and music.
(3) Imraan Bin Husain narrates that Rasulullah said:
"In this Ummah will be earthquakes, disfiguration (of faces which will be transformed into apes and pigs) and showers of stone (descending on them from the heaven)." A man from among the Muslimeen said: "O Rasulullah ! When will this be?" Rasulullah said: "When singing girls and musical instruments will become profuse and when liquor will be consumed (in abundance)." (Tirmizi)

(4) Hadhrat Abu Hurairah narrated that Rasulullah said:
"During the last of ages (in close proximity to Qiyaamah) a nation from my Ummah will be disfigured (and transformed) into apes and pigs." The Sahaabah said: "O Rasulullah ! Will they be Muslim?" Rasulullah said: "Yes. They will be testifying that there is no deity but Allah and that I am His Rasool, and they will be fasting (in the month of Ramadhaan)." The Sahaabah asked: "O Rasulullah ! What will be their condition (to warrant such chastisement)?" Rasulullah said: "They will be indulging in musical instruments, singing girls, musical drums, and they will be consuming liquor. They will one night go to sleep after their liquor and amusement. When they arise in the morning, they will have been disfigured (and transformed into apes and pigs)." (Kaf-fur Ruaa’)

It is apparent from this Hadith that the musical drum (the Tablah of the Qawwaals) and similar other kinds of musical drums are not the duff mentioned in the Ahaadith. Musical drums have been declared Haraam unanimously by all authorities from the very age of the Sahaabah.
(3) Imraan Bin Husain narrates that Rasulullah said:
"In this Ummah will be earthquakes, disfiguration (of faces which will be transformed into apes and pigs) and showers of stone (descending on them from the heaven)." A man from among the Muslimeen said: "O Rasulullah ! When will this be?" Rasulullah said: "When singing girls and musical instruments will become profuse and when liquor will be consumed (in abundance)." (Tirmizi)

(4) Hadhrat Abu Hurairah narrated that Rasulullah said:
"During the last of ages (in close proximity to Qiyaamah) a nation from my Ummah will be disfigured (and transformed) into apes and pigs." The Sahaabah said: "O Rasulullah ! Will they be Muslim?" Rasulullah said: "Yes. They will be testifying that there is no deity but Allah and that I am His Rasool, and they will be fasting (in the month of Ramadhaan)." The Sahaabah asked: "O Rasulullah ! What will be their condition (to warrant such chastisement)?" Rasulullah said: "They will be indulging in musical instruments, singing girls, musical drums, and they will be consuming liquor. They will one night go to sleep after their liquor and amusement. When they arise in the morning, they will have been disfigured (and transformed into apes and pigs)." (Kaf-fur Ruaa’)

It is apparent from this Hadith that the musical drum (the Tablah of the Qawwaals) and similar other kinds of musical drums are not the duff mentioned in the Ahaadith. Musical drums have been declared Haraam unanimously by all authorities from the very age of the Sahaabah.