HANDOUT TO ACCOMPANY VIDEO Christopher Holton of the Center for Security Policy explained what Shariah-compliant finance is, how it was originated and the specific threats that it poses to Western civilization. He explained the overriding mission of Shariah-compliant finance and examined the system of zakat, which is integral to Shariah-compliant finance and by which numerous Islamic charities have been found to fund jihad. Mr. Holton also examined how Shariah-compliant finance is not held to the same standards of disclosure that the rest of the financial world must adhere to and the role of Shariah scholars in Shariah-compliant finance and looked closely at two prominent Shariah scholars in particular as prime examples of the problems that Shariah-compliant finance presents. It did come as a surprise to many people in our audience who are otherwise very informed about the danger of Islam and Shariah to the West to learn of the nations that have already come to dominate Shariah-compliant finance and to the extent that it has infiltrated America. This event took place in Los Angeles, California on December 19, 2013. Christopher Holton is Vice-President of Outreach at the Center for Security Policy. He directs the Center's Divest Terror Initiative and Shariah Risk Due Diligence Program. He has been involved in legislation in twenty states to divest taxpayer supported pension systems from foreign companies that do business with the Islamic Republic of Iran, the Islamic Republic of Sudan, and the Syrian Arab Republic. Since 2008, Chris has been the editor-in-chief of the Shariah Finance Watch Blog. In 2005, he was a co-author of War Footing, published by the US Naval Institute Press. Holton's work has also been published by National Review, Human Events, The American Thinker, Family Security Matters, Big Peace, World Tribune, World Net Daily, NewsMax, and thehayride.com. Before joining the Center, Chris was President of Blanchard and Company, a two hundred million dollar per year investment firm, and editor-in-chief of the Blanchard Economic Research Unit. Christopher blogs at TerrorTrendsBulletin.com.

1. --------------------------------------
SHARIAH COMP ILI1.Nr
rFINANCE
AN'D
Christophi~r Holton
Vice Presideln.! for Outn~ach
Center for Security Policy
www.centerfors~:~ curltypolicy.org
www.shariahfililancewatch.org
1------------------------____________

2. THE THREAT OF SHARllA.H-COMPLIANT FINANCE
The main purpose of shariah-compliant fmar:.ce is to promote shariah. Shariah finance is
indistinguishable from shariah itself since *)s lilns are not allowed to pick and choose
different aspects of shariah to follow. Anyon;: that infer ; that shariah finance is
something apart from shariah is simply beil~g: dishonest since, in fact, the main purpose of
shariah finance is to promote shariah.
Shariah fmance is a threat to Western values, human rights and US national security.
Shariah fmance has a political objective: toih!gitirnize shariah in the West. Evidence
indicates that shariah-compliant finance pr~Yi des fmancial support to extremism and
terrorism. Shariah-compliant fmancial insti'~lions empl)y shariah scholars, many of
whom have been shown to be extremists, eh ::1 to the point of advocating suicide
bombing and jihad against America. Amon~ Ihe decisions these scholars make is the
donation of2.5% or more of annual earnin~~s to Muslim charities in a system known as
zakat. Similar to zakat, earnings from invesllnents that me judged to have been unislamic
must be purified through donations to char*i:::s as well. Given the extremist tendencies of
shariah scholars and the fact that no fewer tille n 80 Muslim charities have been designated
as funding terrorism by the US Treasury Dh artment, authorities in the United Kingdom,
the United Nations and elsewhere, this prec::e :ts a hazard which could obviously threaten
US national security.
The effect of legitimizing and promoting sl~c,riah in the West can already be seen in
Western Europe. Promoting shariah incapsulates Muslim communities from mainstream
society and even creates enclaves controlled by shariah. Shariah-compliant finance plays
a particular role in this because, a devout N~1.'slim living in a Western country in which
there are no shariah-compliant banks are al~c wed to usc conventional "infidel"
institutions under the shariah doctrine of"~xJreme nece3sity." However, once shariah­
compliant institutions do exist, they are reHg:iously oblt.sated to patronize them
exclusively. Thus, by allowing the spread qf :,hariah finance in the West and the US, we
are pushing Muslims toward shariah.
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Importantly, there is no where near adequaff. disclosure of the true nature of shariah, the
role of shariah scholars and the system of Zla :;:at and purification by any US or Western
financial institution.
In sum, shariah finance represents a numbEfr Df potential threats to the US, including
possible financing of terrorism and extrem~s' Islamist organizations and movements,
infiltrating our financial markets and legitii,Y:.zing shariah.

3. WHAT lSI Ei,HARlAH?
Shariah is an Arabic term used to describe Islamic diflC:!Tinallaw re!;arded in the Islamic world as
immutable, indivisib le and mandatory for all Muslinls 10 follow in all aspects of life.
Shariah encompasses personal ethics and legal issue:>, church and ~:iate, this world and the afterlife. Shariah
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does not differentiate between rules enforced by individual principh from laws enforced by the state.
Because Shariah is said to reflect the will of Allah, a~ ,::pposed to tile will of humans, it covers all areas of
life and not just .those of int~rest to the state or.socie~.--suCh as dress and grooming. Sharia~ deals with
questions of belief and relIgiOUS practice, crIminal alro legal matter~; , and other fields, including finance and
war. There is no such thing as a separate secular autt)ority or secular law under shariah, since religion and
state are not distinct, but are one.
Shariah is a man-made doctrine that was not comple e until the 9
th
century--two centuries after the death of
Muham med. Shariah was born in medieval times an(~ :emains medi<!val today.
Shariah regulates the believer's attitudes and actionsjo,' everything.
Perhaps what is most important for Westerners to kn:o",'i', shariah C3J1 be accurately described as reactionary,
deliberately vague and, in its implementation, barbal1ic..
Shariah mandates as a religious obligation:
• Violent jihad against non-Muslims to establish Islain "s rule worlc'." ",ide (known as the caliphate).
• The killing of apostates from Islam.
• The killing of adulterers and homosexuals.
• Severe discrimination against women. This includes !)ersecution I)fwomen and execution by stoning of
women who are suspected of adultery. Often these J,o:nen are in reality victims of rape.
I• Barbaric punishment (limb amputations, gouging o,ut of eyes) for Jetty crimes such as theft.
• Severe discrimination against, and the SUbjugation pf~ non··Mulirri.
• For those Muslims who cannot engage in physical ~ihad using force, shariah mandates that they support
jihad financially-"Iihad with money."
Shariah and its tenets are completely at odds with evrrything Amerca and Western Civilization stand for:
freedom, equality, to lerance and justice. The promot/o:' of shariah represents a commitment to the
replacement of secular political orders. In other words, shariah sets as its goal the destruction of documents
like the US Constitution and the basic liberties set Olt I:herein.
Shariah is close by at the core ideology of terrorist groups like AI Qaeda, Hezbollah, HAMAS and other
Iihadist organizations. According to shariah, the wo lei must submit to Allah and live according to shariah
with the umma as a one world state, referred to as a Cj:aliphate.
Today, shariah is the complete law of the land in 3 n~tions: Iran, Saudi Arabia and Sudan. (Shariah is also
employed as part of the legal system in dozens of ottk nations, wh~ re it is customaril y declared supreme.)
It is no coincidence that these 3 nations are infamou~ j :'r their deplcrable human rights conditions, support
for Jihadist terrorism and even genocide. Shariah is r?a :·t and parcelJf such policies.

4. SHARIAH ACCORDOCj'lfG TO THE JIHADIS
• The sharia has forbidden us from taking ir,fdels as confidants, inducting them into our
secrets.
• The sharia forbids us from appointing infi~ds to impoj·tant posts.
• The shariaforbids us from adopting or prfrl.I'ing the beliefs and views ofthe infldels.
• The shariaforbids us from assisting infide,L~ against Muslims; even the one who is
coerced has no excuse to fight under the banner ofthe infidels.
• The sharia commands us to battle infidelst-both originr;zl infidels and apostates, as well
as hypocrites. Asfor waging jihad against t'/ze infidels who have usurped the lands of
Islam, this is a duty considered second onlyl tr:; faith, by ulemaic consensus.
• The sharia does not accept the excuses mc(de by hypocY'ites--that they befriend the
infidels because they fear the vicissitudes oj(lime.
• We are duty-bound by the sharia to help j,l"ft~tSlims overcome the infidels.
Ayman al-Zawahiri
Al Qaeda :jeologue
"Democracy is based on the principle ofth[ power ofcl'eatures over other creatures, and
rejects the principle of God's absolute power over all ueatures; it is also based on the
idea that men's desires, whatever they may b c~ , replace God absolutely, and on the
refusal to obey God's law. In Islam, when there is a disagreement or a difference of
opinion, one refers to God, his Prophet, an~ the commc.'1ds ofsharia."
Ayman al-:2:awahiri
Al Qaeda[deologue
"From the point of view ofideology and sh6lr.ia, we are ,-equired to establish God's rule
over any part ofthis earth, regardless ofpGrticularities and details . This can only
happen, however, ifthe nation adopts this ideology and safeguards it."
Sayyed Hassan Nasrallah
l-lead of Hizballah
"The laws ofthe shari 'a embrace a diversetbody of laY'/s and regulations, which amounts
to a complete social system. In this system rflaws, all the needs ofman have been met:
his dealings with his neighbors,feLlow citizens, and clan, as well as children and
relatives; the concerns ofprivate and mari{at Life; regUlations concerning war and peace
and intercourse with other nations; penal c4n::i commercial law; and regulations
pertaining to trade and agriculture."
Ayatollah Khomeini
Supreme Leader of the Islamic Republic
Of Iran 19'79-1989

5. "Reason also dictates that we establish a g(vl'ernment in order to be able to ward off
aggression and to defend the honor ofthe "'v'llslims in cuse ofattack. The shari'a,for its
part, instructs us to be constantly ready to detend ourset'ves against those who wish to
attack us."
.'yatollah Khomeini
Supreme l:~ader of the Islamic Republic
:::>f Iran 19;'9-1989
"It will be the duty of the Muslims to engage in an armed jihad against the ruling group
in order to make the policies ruling society and the norms ofgovernment conform to the
principles and ordinances ofIslam ."
A.yatollah Khomeini
~~ upreme L~ader of the Islamic Republic
OfIran 19'i 9-1989
"Ifthe enemy attacks the lands ofthe Musli~j' or their 1>0rders, it is the duty ofall
Muslims to defend them by any means possiple, including the sacrificing ofone's life and
the expenditure ofone's wealth. With respe(i;t /0 this matter, there is no need to seek the
permission from a shari 'a judge. "
Ayatollah Khomeini
5upreme LI~ader of the Islamic Republic
)fIran 19/9-1989
~eg(jrding ,wh~ch sh~17'ed understan~ings, eia::·tly, is itpossible that we agree. with the
lmmorul U·esL? ... What commonalUles, ifour joundatzoi'iS contradict. rendenng useless
the shared exrremilies-ifLhey even exist? F(~1' practically everything valued by the
immoral West is condemned under sharia ,fa:'1J. Asfor this atmosphere ofshared
understandings, what evidence is therefor iVbslims to strivefor this? What did the
Prophet, the Companions after him, and [he I ighteousfr;rebears do? Did rhey vF(fge jihad
against the infidels. attacking them all over (' e earrh. ir.: order to place them under the
suzerainty ofIslam in great humility and subr''!ission? Oi' did they send messages to
discover .'shared understandings" between themselves end the infidels in order that they
I
may reach an understanding whereby unive'rsa} peace, s~curity, and natural relations
would 5pread-in such a satanic manner as this? The shnria provides a true andjust
path. secu.ring jvfuslims, and providing peace /0 the worid.
... OfFensive Jihadis (are) an established anc{ basic tenet ofthis religion. It is a religious
du.ly rejected only by the most deluded. So h,01'/ can they call of/this religious obligation
[Oflensive Jihad}, while imploring the West to understandings and talks "under the

6. umbrella u.fjustice, morality, and rights "? The essence 9/all this comesfrom right inside
the halls o/the United Nations, instead oftAu Divine/olmdations that are built upon
hating the infidels, repudiating them with tJ1r.:gue and teeth till they embrace [s'lam or pay
the jizya [tribute} with willing submission C4'Yi::{ humility .... Muslims, and especially the
learned among them, should spread shari4 ,'IIW t,o the Ivorld-that and nothing else. Not
laws under the "umbrella ofjustice, morallily, and rights" as understood by the masses.
No, the sharia ofIslam is the foundation.
They say that our sharia does not impose Olit particul,r]I' beliefs upon others; this is a
false assertion. For it is, in fact, part ofoJ I"eligion to impose our particular beliefs
upon others.
Thus whoever refuses the principle ofterl'/~j{ismJ agm'l1.st the enemy a/so refuses the
commandment ofAllah the Exalted, the M[c :i'l High, a ;i,!d His sharia.
OS8ma Bin Laden

7. FAILURE TO DISCLOSE TID,E: TRUE NATURE OF SHARIAH
Many fmanciers and institutions involved ir:~ " Islamic finance," especially in the
West, are doubtless motivated by the lure of~: ubstantial profits from Middle Eastern
petrodollars. However, for those Islamic idEtCiogues who actually invented the concept of
Islamic fmance and are actively promoting It around the world, Islamic finance has less
to do with fmance than with Islam. And, giyrn the backgrounds of many of these people,
not just any kind of Islam, but the most radical, fascist-Lke sects of Islam. Radical Islam
is a hate-filled, militant ideology not unlike Nazism anc communism, that ultimately
seeks to dominate Western civilization and r:_place its values.
Islamic finance is not just an innocent, althOl gh curiom:., form of free market capitalism.
Islamic fmance was conceived and is practiL::d as one ofthe key instruments of the
radical Islamist movement in its struggle aga:nst the West.
The n:ain ~oncepts and. pri~cipIes invoked ip Is~amic f~lance need to be. .
exammed m some detaIl. Fust and foremos" this must lllcIude the doctnne of shariah
itself, since every Islamic finance instrumer~t and scheme must be shariah-compliant to be
considered legitimate. Indeed, strict shariah!cdherence i~: the sole criterion of whether or
not a given fmancial transaction is Islamic.
There are two constants that virtually all Islj£lJ:n.ic fmanc:.1I institutions and affiliated
organizations have in common: their insist?Lce that the industry must adhere strictly to
the tenets of shariah law and their conSpiCUl')llS failure tc explain to their customers what
shariah law actually is and what shariah calis for, apart from its prohibition of interest and
obligation to alms giving.
This is no a coincidence. It is an intentionallelfort by th~ practitioners oflslamic fmance
to conceal the true nature of shariah becaus(,'evealing that philosophy and its detailed
prescriptions to prospective investors and lite wider audience beyond would almost
certainly cause a backlash against the whol~ concept ofslamic finance and justifiably
put its very legitimacy in question.
This is a major obstacle for Western institu1
1
ions offerin.~; Islamic finance, particularly in
America, because their failure to disclose w;h::t sh-otriah:eally advocates amounts to
willful and probably fraudulent misrepresentation.
When one discovers the true nature of sharirh and realizes that Islamic finance is really
just a euphemism for shariah-compliant fmaLce, the ine~;capable conclusion is that this
whole movement into the financial realm i~ the West and especially the US, is without a
doubt part of a broader effort to legitimize shariah.
And shariah is the cornerstone of the ideolo!gy of radical Islam. Far from being just a few
rules and regulations dealing with the Islam~c legality of interest or almsgiving, Islamic
finance embraces and promotes shariah as ~n lnstrumenl of Islamization-a process by
which radical Islam slowly subverts existing ::;odes, law~;, customs and cultures.

8. A brief overview of some of the objectives I?':' Islalnic banking as articulated by various
shariah scholars themselves makes this abruiJ.c.;mtly clear as this example demonstrates:
"First and foremost, an Islamic organizatio ':'lUSt serve 30d. It must develop a
distinctive corporate culture, the main purpQ5c of which is to create a collective morality
and spirituality which, when combined with'.the product on of goods and services,
sustains the growth and advancement of theiLlamic way of life." (Nasser M Suleiman,
Corporate Governance in Islamic Banking, available at
www.albab.com/arab/econlnsbanks.htm)
Given shariah's critical role in Islamic fina ..C:, any undc:rstanding ofIslamic [mance
must first come to terms with shariah and it:j;"ull implic::tions.
According to Islamic scholars, shariah is sirpply God-ordained sacred Islamic
law that rules each and every aspect of a Ml~~Jim's life. It is immutable, not subject to any
change or interpretation and valid for all tirr~E::'j and plac~s. Since the rise of radical Islam,
especially since the Islamic Revolution in I~a;:! in the late 1970s, shariah has gained even
more in importance and is now widely prorrlc ted by Islc:. nist ideologues as the spiritual,
socio-political and economic panacea for all ills, real or tmagined, afflicting the Muslim
community.
The reality of shariah is quite different. Far from being God-ordained and sacred, shariah
IS
mostly a post-Quranic, man-made medieval! '.octrine tha~ is almost completely at odds
with modern norms of human rights.
Shariah , though claiming to originate from tbe Quran, j ~; a politicized interpretation of
the Muslim scriptures and is, as a result, often much mc e radical than its sources. Here
are just a few examples of shariah principl~s . They come from the authoritative shariah
compendium of the Shafii school ofjurispnk .ence, "The Reliance of The Traveler: The
Classic Manual of Sacred Law."
Shariah on family law:
I
• A woman is eligible for only half of the ilbheritcmce of a man
• A virgin may be married against her will ~,r her father or grand-father
• An Arab woman may not marry a non-Ar-a : man
• A woman may not leave the house witho~t her husba:.d's permission
• A Muslim man may marry four women, i)lcluding CListians and Jews, a Muslim
woman can only marry a Muslim I
• Beating an insubordinate wife is permissifble
Shariah on Jihad and religion:
• Offensive, military jihad against non-Mw?hms is a reLgious obligation

9. • Apostasy from Islam is punishable by deat 1 without trial
• Non-Muslim subjects of a Muslim state ~rc subject to discriminatory (dhimmi) laws
• It is permissible to bribe non-Muslims to (Convert them to Islam
• Lying to infidels in time ofjihad is permi~::..: ble
Shariah on human rights:
• Homosexuals and lesbians must be killed
• Slavery is permitted and legitimate I
• A Muslim man has unlimited sexual righ1!S over slave women, whether they are
married
or not
• Female sexual mutilation (cliterectomy) is obligatory
• Adultery is punished by death by stoning
• A woman's testimony in court is worth o)llly half of that of a man (and only in cases
involving property)
There are only three nations on earth which'2l:e ruled by strict shariah doctrine: Iran,
Saudi Arabia and Sudan (though dozens of other nation~ incorporate or subordinate their
legal systems to shariah as well). The fact tl~al each of1:tese countries has a dismal
human rights record is no coincidence. In fact, their atrocious human rights policies are
the very essence of shariah. It is also no coinc idence thcL: each of these three nations is
deeply involved with militant Islamist terro 'i~::m in one 'day or another.
I
Iran is of course the world's most active stafe sponsor of Jihadist terrorism, with a record
of aiding Hezbollah, HAMAS, Palestinian Ils:hnnic Jihad and even Al Qaeda.
Sudan is a state sponsor of terrorism as well, at or.e time hosting terrorist training camps
for Al Qaeda, Hezbollah and HAMAS. But Sudan is best known for genocide. That
genocide for which the Islamist regime in Sudan is knO'i'ffi so well has been corrunitted, at
least partially and certainly mostly to impo e shariah law on the southern part of Sudan
and the Darfur region.
Finally there is Saudi Arabia. Saudi Arabia's official state religion, Wahhabism, gave
birth to Al Qaeda and has promoted Islamid :<tremism around the world. It is no accident
that 15 of the 19 September 11 th hijackers cilid a rnajorit~r ofthe foreign fighters captmed
in Iraq were Saudi.
The reactionary, extremist nature of shariaI;j L; likely the main reason why it is the core
doctrine of radical Islam and shariah's imple:mentationl3 the number one objective of the
radical Islamic movement.

10. ,
LACK OF DISCLOSURJE OF SHAJ!l1AH SCHOLARS
Western banks have latched on to Shariah1C'ompliant t:'inance due to the lure of money.
This is of course understandable. What is 10. ither understandable nor excusable is their
lack of due diligence when it comes to the hard-line Islamists they have retained as
shariah advisors.
Shariah advisors are absolutely essential fCH ::orporations, funds and banks to remain
I
shariah-compliant. These sheikhs and mu~i~; go ':hrough years of training in shariah law
in placed like Jeddah, Saudi Arabia and m?E;ques in P"Gstan and other countries.
Unfortunately, often these scholars are als(~ Tihadists.
I
There are cases in whic? :unerica~ financii~1 institut.io:s have employed shariah adv.isors
that openly advocate sUICIde bombmg and~,had agmm;i: the West. For example, SheIkh
Yusuf al-Qaradawi, one of the leading shar iah scholars in the world of finance, has
referred to shariah-compliant finance as "~ih3.d with money," and has also provided this
stark explanation: "God has ordered us to .I;!;ht enemie:s with our lives and with our
money.
Another example is that of Mufti Taqi USf,Jani, a radl,:;al sheikh from Pakistan who at
one time chaired the shariah advisory boar,d of the DOVI Jones Islamic Index and still sits
on the shariah advisory boards in the US ard elsewhere in the West. Usmani is a key
executive with the very madrassa in Pakis~a~:. that spavvned the Taliban and he recently
publicly endorsed suicide bombing,
In case you think that Qaradawi and Usmani are just is)lated examples, here is a brief
dossier on several more shariah scholars tl~c'( are now: eing paid by Western financial
institutions:
Sheikh YusufTalal DeLorenzo served as an acvisor on Islamic affairs to the radical and
tyrannical President of Pakistan, Zia ul-Haq from 1981 to 1984. More recently, he has
become known as the Director of Educatio for the Islamic Saudi Academy in Fairfax,
Virginia, an institution in the news recently when the US Commission on International
Religious Freedom found the academy war, distributing hate literature and radical
Islamist propaganda in the form of textbooks. Most of DeLorenzo's training in Pakistan
took place at a mosque that human rights ¥roups have jdentified as having close ties to
terrorist groups. DeLorenzo sits on the shariah advisOI~( boards of several banks and
institutions, including the Dow Jones Islmm c Market h dex.
• Mohammed Kaiseruddin has been tied to the Bridgeview Mosque in the Chicago area,
a mosque at which preachers have conderrlrJ:~d Western culture, praised suicide bombers
and encouraged members to view society 'r'"Muslims against the world." The North
American Islamic Trust, an entity named ellS an unindicted co-conspirator in the Holy
Land Foundation terrorism financing trial,llolds title to the Bridgeview Mosque
Foundation. Kaiseruddin is an advisor to J~Lc Dew Jones Islamic Market Index.

11. · Abdullah Idris Ali is associated with th~: j'v1uslim World League and the World
Assembly of Muslim Youth, which are or~OJ:lizations ~nawned by the Saudi Wahhabist
movement. Both have been linked to Al Har-amain, a ~•.mdi charity recently cited by the
US for funding terrorist groups, including A.I Qaeda. PJi is also the founder of the web
site Islamicity, which openly advocates w1ti_ngs denonncing Christians and Jews and
advances an extremist view of Jihad "to fig!:: the enem!es ofIslam." Ali is a board
member of unindicted co-conspirator North AJnerican :slamic Trust.
• Bassam Osman has been associated witl~ :1e Quranic Literary Institute and the Islamic
Academy of Florida, both of which have been indicted by the federal government. He has
also served as the chairman of the North Ajrnerican Islamic Trust, which, as previously
mentioned, was named an inindicted co-cdn.:ipirator in ::he Holy Land Foundation
terrorism financing trial. Osman is the Pre~)ident of the Dow Jones Islamic Index and
Chairman of Allied Asset Advisors (AAA).
None of these disturbing beliefs and affiliatiDns have c(:en disclosed to the investors,
potential investors or other clients of West~In, including American, funds and banks.
I
By employing radical Islamists as shariah ~ visors and paying them handsomely, U.S.
financial institutions are providing indirectifinancial SLJport for Islamic extremism and
even terrorism at the same time that they are. bringing those radical Islamists into the
innermost sanctums of Western capitalism To top it all off, the radical Islamists are
pursuing a campaign of subversion to infil1;r:;:,te and de~:-;:roy Western civilization.
Due diligence and disclosure with regard t(~ shariah scholars is especially important
because of the issues of zakat and purifica~ n. Shariah·compliant institutions must
donate 1140th
of their income to charity as <~ relig::ous obligation each year (zakat). OtherI
funds must be purified through the same kiln·::l of donations. These amounts are deducted,
and donated to charity by the shariah advis:o::·s. There has even been a plan proffered to
establish a central clearinghouse to distribl[tf.: such domtions. This is obviously a problem
since outright enemies of Western civilizatf n are maktng such decisions, with no
disclosure of any information relevant to z~lat or purification.

12. SHEIKH YUSUlF AL-QiLRADAWI
• President-Union of Good (an umbrella I:;roup of :;3 Muslim charities designated
as a terrorist entity by the US Treasury Df partment) Saudi Arabia
• Chairman (in absentia)-Board of Trustr·:;es of Islamic American University. USA
• Founder and President-International Ass{)ciation of Muslim Scholars.
• President-European Council for Fatw~ :md Research. Ireland
• Trustee-Muslim American Society. US
r
F
• Trustee-Islamic Circle of North Americ;;t (lCNA). USA
• Chairman-Shariah Advisory Board of Hank AI-Taqwa, a Shariah-Compliant Bank
that was declared a terrorist entity by thje US Department of the Treasury in 2001.
Bahamas
• Chairman-Shariah Advisory Board, Q?-tar Islamic Bank. Qatar
• Chairman-Shariah Advisory Board, Qatar Interna tional Islamic Bank. Qatar
• Member-Shariah Advisory Board, Fir:3t Islamic Investment Bank of Bahrain.
Bahrain
Qaradawi is the Sunni Islamic world's fo remost Shariah scholar and the ideological
mentor of the Muslim Brotherhood, the $randaddy (If all Jihadist terrorist groups.
He is banned from entering the US and tl!1E: UK for hi:, ties to extremism and terrorist
organizations. In 2001, Shei~h Qaradaw~ ,,",,as the chairm~n oftheShariah Advisory
Board of Bank al-Taqwa, WhiCh was shu~ down by the United NatIOns and the US
Treasury Department for funneling larg¢ ;Imounts of money to several Jihadist
terrorist organizations, including Ayman ;;:l-Zawahiri's Egyptian forerunner of Al
Qaeda. Much of the money came through a Shariah-Compliant real estate firm in
1
New Jersey and the money was funneled to the terrorist groups as zakat payments
to charities.
I
The US Treasury Department has design1a::ed the Union of Good, an umbrella group
of 53 charities run out of Saudi Arabia, ak "l terrorist entity. Qaradawi runs the Union
of Good.
Qaradawi has provided the doctrinal ba)is for Islam .c charities and zakat funding
violent Jihad for everyone in the world to ::;ee:

13. States. Information leaked later by some IOJthe cleric::) present at the meeting
indicates that the delegation may have, i ;·act, 'tried~o stiffen the Taliban's will to
resist.
Usmani is a prolific writer in Urdu, ArabiClnd Engli~;h, having published dozens of
books and countless articles.
Among his books available in English is al vi.triolic atl:3.ck on Christianity called "What
is Christianity" and a broadside against the West and modernity called "Islam and
Modernism."
Here is one particularly revealing quote llr Jm "Islam and Modernism:"
"Killing is to continue until the unbeliever.~ payjizyah (subjugation tax) after they are
humbled or overpowered."
Usmani is well-known for his uncomprOJ~j sing vieV,') on the mandatory nature of
conducting offensive jihad against non-!'vl [slims "in order to establish the
supremacy of Islam" worldwide.
Usmani also complained bitterly at the lack of mart:vrs to combat American forces in
Iraq:
"No one is found having any desire ofSha~fj·dah (maryrdom). How many mothers are
there who want to sacrifice their sons for the cause ofIslam? How many sisters are
there who want to say goodbye to their brothers depcrting to wage jihad against non­
believers?"
Usmani referred to Americans in Iraq asi"stinking atheists" and "the worst ever
butchers and vultures of the world" whc) are "clawing off the flesh of bodies of
innocent Iraqi Muslims."
According to what Usmani has said and written, agl?ressive jihad against unbelievers
is an Islamic obligation and, as such, doE,es not need any justification.
"For a non-Muslim state to have more pon'D and glo:y than a Muslim state itselfis an
obstacle, therefore to shatter this grand¢ur is among the greater objectives ofjihad. "
For Taqi Usmani, offensive jihad can be postponed i·or a time only in cases when the
Muslims in question are not strong enopt:h to battle or otherwise challenge the
infidels. And so, he advises the MuslimsltJ live peacefully in countries like Britain,
for instance, but only until they gain enongh powez· to carry out jihad.

14. "The meaning ofJihad in our present timrl- particularl~)' refers to striving to liberate
Muslim lands from the grip ofthe disbelievers who usurped-them and imposed on them
their own laws in lieu ofthe Divine Law. Tlh ~)se disbelievers may be Jews, Christians or
both or even pagans, who follow no partiau,'ar religion at all. Disbelievers are all alike.
Capitalists, Communists, Westerners, Eastei'·nen.,~ Peorle ofthe Book and pagans are byI
no means differentfrom one other. They s~ c'uld all be fiercely fought ifthey attempt to
occupy any part ofthe Muslim land. This qL'ty falls on those closest to the occupied
land, who should be aided by those closestrfD them, wf,o, in turn, ought to be aided by
those closest to them, till it becomes incunrbent on all Muslims to take part in Jihad.
Muslims have never been more severely alflicted than they are nowadays. Many of
their lands have been captured by the dislfd ievers, or; top ofwhich is Palestine that has
fallen victim to corruptJews. Similarly, Kc/shmir has bgen dominated by pagan Hindus.
Chechnya and other Islamic states have fql.;en in the grip ofpagan tyrannical
communism.
Retrieving these lands, freeing them from tI e clutches ofatheists and their twisted
laws is thejoint responsibility ofall Muslims. Declarirl,g Jihad to save our land is an
Islamic obligation.
Ifwar is waged anywhere to achieve this ,(Joal, namely to free the occupied lands ofthe
laws and the tyranny ofdisbelievers, it is yndoubtedly a case ofJihad for the sake of
Allah. It thus needs to be financed from the money ofZakah, the amount ofwhich is to
be decided based on the total sum ofthe oh:Hity, the 1"9quirements ofJihad as well as
the de(lree ofthe nee.d ofother potential ri'e(~ipients ofcharity. This is all to be decided
by relIable scholars, ifthey are to be foun/}.·
,
Qaradawi has written extensively in supp ~)rt of "martyrdom" operations (suicide
bombings) against Israelis and Americarb:. And here are Sheikh Qaradawi's views on
women's rights:
IfBeating is not suitablefor every Wife; it itsuitable fe certain wives and for other
wives it is not. There is a woman who canrJt agree to being beaten, and sees this as
humiliation, while some women enjoy th f1 b9ating anclfor them, only beating to cause
them sorrow is suitable..." I
In the financial realm, back in October 2 L8, Qaradawi called for Islamic finance to
replace capitalism. In 2006, he told the E3 BCthat he liked to refer to Shariah­
Compliant Finance as "Jihad with money,!" Jecause Ifellah teaches us to fight our
enemies" with weapons and our money.
Finally, Qaradawi is a vicious ant-semite ,md 2dmirET of Adolf Hitler:
http://www.youtube.com/watch?v=HStl-DnVI6Q&:72ature=share

15. MUFTI Tj~.I:!I 'USlI[ANI
• Accounting and Auditing Organization orIslamic Financial
Institutions, International (Chairman of $hariah Sta -dard Council)
I
• Central Bank of Bahrain, Bahrain (Chain nan of Shariah Board)
• Amana Investments Limited, Sri Lanka C:::haiirman of Shariah Board)
Abu Dhabi Islamic Bank, UAE, (Chairman of Shariah Board)
Guidance Financial Group, USA (Chairman of Shariah Supervisory Board)
Meezan Bank, Pakistan (Chairman of Sh ri ah Board]
BankIslami Pakistan Limited (Chairman lorShariah Eoard)
Pak Qatar Takaful (Chairman of Shariah BDard)
Maldives Islamic Bank (Chairman of Sha Lth Board)
Dow Jones, USA (Former Chairman of Sha :'iah Advisory Board)
I
HSB(, UK (Former Chairman of Shariah Al visory Board)
Mufti Taqi Usmani, is probably the most i nfluential~:hariah scholar in the financial
world. Until his hateful, Jihadist militant cedo was (xposed to the public, Usmani
headed HSBCs Shariah council as well af ,,:hat of Dow Jones, (This shows how
clueless and reckless the financial worldlactually is vhen it comes to true due
diligence on Shariah-Compliant Finance,D Usmani is still the chair of the
Accounting and Auditing Organization felf Isla:l1ic F1ancial Institutions, one of the
major industry bodies. This makes Usmcl j one Ofth2 most powerful men in the
world of Shariah Finance.
Usmani receives compensation from dO'lens of banks and investment firms,
Guidance Financial Group in the USA.
Before cashing in with the private secto), Usmani was a Shariah judge on the
Supreme Court of Pakistan for 20 years.
Usmani is also a complete Jihadist,
In September 2001, Usmani was part of a;:;mall delegation of clerics known to be
sympathetic to the Taliban in Afghanistal! and trave .led there to ostensibly convince
Mullah Omar, the leader of the Taliban, V,o turn over Osama Bin Laden to the United

16. FAILURE TO DISCLOSE Zf/,KAT AND PURIFICATION
According to shariah, every Muslim who is a hle, must a.onate 1/40, or about 2.5%, of
his/her income to charity as a religious obli~c!ion. This apparatus is known as "zakat"
and it applies to businesses, including banld, :.nvestment funds and corporations, just as it
applies to individuals.
Due to the amount of money managed by shal:iah-compliant banks, funds, and in the
coffers of shariah-compliant corporations a~i 'vell, the amounts donated through zakat
may run into hundreds of millions, perhaps e';,'en billion~, of dollars.
In no known instance has it been disclosed t/wzakat is collected or distributed in the
system of shariah-compliant finance.
We do know a few facts relevant to the distJiJUtion of zakat, however:
• Zakat is one of the five pillars of Islam an<t, 3.ccording to the Koran, among the seven
purposes toward which zakat must be donated are those who are fighting in the cause of
Allah, i.e. mujahideen.
• The three largest Muslim charities in the US have all been shut down by the US Justice
Department for ties to terrolist financing. A'nd recently, the US Treasury Department
designated a major Saudi charity, the Al Ha~a:nain Islamic Foundation (AHF) for having
provided financial and material support to Al Qaeda and a wide range of other terrorists
and terrorist organizations. AHF has office~ en d operations in at least 13 nations
(including the US) in North America, Asia }nd Europe. In 2006, the US Treasury
Department also designated the International I:slamic Relief Organization a terrorist­
financing entity for providing funding to AllQaeda.
• These are just a few examples of numero~s other Islamic charities that have been tied to
terrorism. Among the other Muslim chariti~s chat have ~een identified as funding terror
are: the Egyptian Human Relief Agency (EHRA), Foundation for Human Rights,
Liberties & Humanitarian Relief (IHH), Th" Zakct Foundation of America (TZFA),
Benevolence International Foundation, Care Internatiortll, Islamic American Relief
Agency, and the Holy Land Foundation for R'.·elief and Development.
• Saudi billionaire Saleh Kamel and sharia~ ~cholar YOdsuf al-Qaradawi have proposed a
syste~ u~der w~ich zakat would be collect<rc. and distributed by a c.ent~al international.
orgamzatIOn. ThiS concept has already beer]l endo:~sed b;l the OrgamzatIOn of the IslamiC
Conference (OIC). Given that both Kamel and Qaradawi have ties to extremism andI
Saudi Arabia, source of the lion's share of funding for Al Qaeda, dominates OIC, the
implications of such a proposed system are frightening.
But even without a centralized system to c r,:~ct and di~; tribute zakat funds, there is a lot
more we don't know about zakat and there i~; a tremenc:nus amount of money involved.

17. I
As previously stated, there is currently no dis·:::losure as to the destination of zakat funds
from shariah-compliant financial institution$.
Zakat is only part of the problem of disclosur:. A similar, but potentially even larger
issue is that of "purification."
Should, in the course of business, it be discdvered that fLmds managed by a shariah­
compliant bank or investment fund inadvert,~ntly benefi::.::d from interest (which is
prohibited under shariah) or from a busines err industry ~ngaged in a prohibited activity
(such as pork, alcohol, or gambling for example), the proceeds from that investment must
be "purified." This is done through donatior.s:o charitie~i, very much the way that zakat
works.
Again, there is no known disclosure anYWh~r'" about the destination of "purified" funds
or the decision-making process surroundinglrurificatioL This system seems especially
ripe for fraud, abuse and money laundering,1sinceat lea:~t theoretically, an asset manager
could intentionally invest funds in a prohibited activitydith the actual intention of
channeling funds to a charity tied to extreml!s:1 or terrorism through the system of
purification.

18. ZAlKAT AND IS~,/lM]C CHARITIES
1
Zakat is a form of tithing in Islam in whi(~]- Muslims lNho are able tobdo so donate
2.5% of their wealth (5% for Shia). Zaka,t :; very iml:)ortant in Islam and is
considered one of the five pillars of IsIan~.
I
Modern administration of zakat often invDlves IsIan-ic charities and governments.
Zakat is a concern because, as the bipard~an 9-11 Commission Report detailed, it
has in fact been used to fund Al Qaeda arll( other tefl'orist groups:
From page 170 of the 9/11 Commission R,:~port:
Al Qaeda and its friends took advantage qj'(slam'sstnng calls for charitable giving,
zakat. These financial facilitators also appeared to rely heavily on certain imams at
mosques who were willing to divert zakalt donations to al Qaeda's cause.
Al Qaeda also collected moneyfrom emPlh)"ees Dfcorrupt charities. It took two
approaches to using charities for fundraisi ·:g.One was to rely on al Qaeda
sympathizers in specific foreign branch offices oflarg?, international charities­
particularly those with lax external overslir '1t and inEffective internal controls, such as
the Saudi-based al Haramain Islamic Fouin::!ation. Smaller charities in various parts of
the globe were funded by these large GuJjkharities ar,dhad employees who would
siphon the money to al Qaeda.
In addition, entire charities, such as the a1Wafa orgcr 1ization may have wittingly
participated in funneling money to al Qaqo a. In those cases al Qaeda operatives
controlJed the entire organization, including access to bank accounts. Charities were a
source ofmoney and also provided signi!f:oint cover, which enabled operatives toI
travel undetected under the guise ofworl,(hg for a humanitarian organization.
From page 372 ofthe 9/11 CommissionlFepo::t:
Charitable giving, or zakat, is one ofthe J1ve pillars oIIslam. It is broader and more
pervasive than Western ideas ofcharity-functioning also as aform ofincome tax,
educational assistance, foreign aid, and at source ofpolitical influence. The
Western notion ofthe separation ofcivic la"Id religious duty does not exist in Islamic
cultures. Funding charitable works is an ·r.:tegr;;lf function ofthe governments in the
Islamic world. It is so ingrained in Islami~ ~:ulture that in Saudi Arabia,for example, a
department within the Saudi Ministry oft inance and National Economy collects zakat
directly, much as the u.s. Internal RevenUE: Service col/ects payroll withholding tax.
Closely tied to zakat is the dedication oft~.:;. government to propagating the Islamic
faith, particularly the Wahhabi sect thatJh urishes in Saudi Arabia.

19. Traditionally, throughout the Muslim wortd, there is J1Oformal oversight mechanism
for donations. As Saudi wealth increased'iUle amoun ts contributed by individuals and
the state grew dramatically. Substantial rums went tl) finance Islamic charities of
every kind. While Saudi domestic charities 11re regulnted by the Ministry ofLabor and
Social Welfare, charities and internationbi' reliefagellcies, such as the World AssemblyI
ofMuslim Youth (WAMY). are currently ~!e,/ulated by the Ministry ofIslamic Affairs.
This ministry uses zakat and governmenttf i.rnds to spread Wahhabi beliefs throughout
the world, including in mosques and scho1
o.1>;. Often these schools provide the only
education available; even in affluent coU1~(.ries, Saud; funded Wahhabi schools are
often the only Islamic schools. Some Wah~~;tbi-funded organizations have been
exploited by extremists to further their gQ(.I] ofviolenr:jihad against non-Muslims.
I
In other words, Islamic charities have Pf:,red an int(~gral role in Al
Qaeda's funding structure, and in some Ir,-s es Islamic charities have also played an
operational role for Al Qaeda. Furthermpre, the system of zakat has laid the
foundation for violent jihad through the! F~omotion ofWahhabi (Salafi) Islam, the
religion of Al Qaeda.
Here is a current, active example ofthe }O!' Oblem:
Dhaka Ahsania Mission is a UN-affiliated NGO (non·governmental organization) that
does relief work around the world. It alJo has a zakat fund called the Ahsania
Mission Zakat Fund. The fund has officek cofound th(~ globe including in New York
City.
On the fund's web site, it provides a complete prim:T on the Islamic system ofzakat.
Included in that primer is a listing OfhOr zakat is d stributed. Number 7 on the S
destinations for zakat:
One who fights for the cause of Allah.
http://zakatdonation.org/zakat-in-Islat!n'PhP
The most authoritative source for such i formation is a book which is available on
Amazon called "The Reliance of the Tray ier, A Cla~;sic Manual of Islamic Sacred
Law." That book has a whole section devuted to the rules of zakat, including "THE
EIGHT CATEGORIES OF RECIPIENTS." n page 272:, section hS.17, one category is
labeled:
THOSE FIGHTING FOR ALLAH
The seventh category is those fighting fOIl/lilah, meaning people engaged in Islamic
military operations for whom no salary fk;s been allotted in the army roster (0: but
who are volunteers for jihad without rerrlul1erationj. They are given enough to suffice
themfor the operation, even ifaffluent; OIfweapons, '(lOunts, clothing, and expenses (0:
for the duration ofthe journey, round trip, and the time they spend there, even if

20. prolonged. Though nothing has been mentH/ned here ;Jfthe expense involved in
supporting such people's families during tiM) period, ~i: seems clear that they should
also be given it).
This passage, from this widely-used Shariiah text seems to have been written
expressly about zakat payments to chariti:::s which have funded Al Qaeda, HAMAS,
Hezbollah and the Taliban. Note from thy Jassage that such payments are meant
specifically for irregular forces who are l~ot part of any army roster, which describes
terrorist/guerilla/insurgent groups exa tJy. Note thet they are meant for "Islamic}}
military operations and not secular grou~;; (Le. HAMAS and not the Popular
Front for the Liberation of Palestine-General Comm?nd). Note that such payments
are made even ifthe recipient is affluentr.Jike Osama Bin Laden. And, finally, the
families of fighters are to be taken care 0if, such as p,yments by Saddam Hussein and
Saudi princes to families of Islamikaze b(vlnbers in G3.Za and the West Bank.
I
All too often, the destinations of zakat payments are to Jihadists, simply because
Shariah mandates it.
Maybe that is why so many Islamic chari!til~s have been implicated in terrorism
financing:
Consider that the Treasury Department h 2 S designated the Saudi-based
Union of Good as having ties to terror an'd British authorities have designated a
charity in the UK a terrorist entity becau!s(!it has tie~i to the Union of Good.
The Union of Good is an umbrella group ;0"53 charit es. Yes, 53. By the way, it is
headed by Sheikh Yusuf al-Qaradawi, th~ m ost prominent Sunni shariah scholar in
the world.
So, when the Union of Good was designa E'd a terrorist entity, 53
Islamic charities were caught in the web This hardly seems isolated to us.
Especially when you consider our detailEed report on 27 other Islamic charities that
have been tied to terrorism. That gives ab a round number of 80 Islamic charities
tied to Jihad. That is a lot of charities to tIE: tied to terrorism.
I
At the link below are descriptions of271;sh mic Charity organizations that have been
I
either indicted or designated by the Treclsury under Executive Act 13224, as
sponsors of terrorism:
I
http://www.shariahfinancewatch.org/bb,.:tiZ.-O 11110 /17 Icorrecting-the-new­
misinformati on-on-islamic-charities-fun:dJ.ngjihadi:~t-terrorism I

21. PJ Media» Why Muslim Charities Fund the Jihad» Print 5/27/ 122:25 PM
- Pl Media - http://pjmedia.com ­ Click here to print.
r---------------------'-".---~ ---------------------,
Why Muslim Charities Fund the Jih
1
ad
Posted By Raymond Ibrahim On August 15, 2009 !@ 12:00 ani In" P,ositioninq,Homeland
SecuritY,Leqal,MoneY,Politics,Reliqion,US News I :F~" Commen i~~
From what American schoolchildren are being talJr]ht [1] by t leir teachers to what Americans are
being told by their presidents, concepts unique t6 ::slarn are Ilowadays almost always "Westernized."
Whether the product of naivety, arrogance, or d<bl'lInright disingenuousness, this phenomenon has
resulted in epistemic (and thus endemic) failure~, crippling flmericans from objectively
understanding some of Islam's more troublesom1e doctrines.
A typical seventh-grade textbook, for instance, t~!ches that :2] "jihad represents the human
struggle to overcome difficulties and do things t~IClt arE plea5'ng to God. Muslims strive to respond
positively to personal difficulties as well as worldll chalenge~;. For instance, they might work to be
better people, reform society, or correct injusticE~. '
Strictly speaking, this is by and large true. HOW~v.:r, by not i~xplaining what it means to be "better
people, reform SOCiety, or correct injustice" - frpm a distinctly Islamic, as opposed to Western,
perspective - the textbook abandons students t:o fall back 011 their own (misleading) interpretations.
Yet the facts remain: In Islam, killing certain "eviil·· doel-s," su:h as apostates or homosexuals, is a
way of "correcting injustice"; overthrowing manrnade constitutional orders (such as the United
States [3]) and replacing them with Sharia mand!a':'2s, and subjugating women and non-Muslims, are
ways of "reforming SOCiety." Those enforcing all t~' is are, in filCt, "better people" - indeed, according
to the Koran (3: 110), they are "the best of people!:;, evolved for mankind, enjoining what is right,
forbidding what is wrong [4]," that is, ruling accor ding '~:O Shiyia law.
So it is with the Muslim concept of zakat, a wordlc Iten rendE:!'ed into English as "charity." But is that
all zakat is - mere Muslim benevolence by way (,)1 feeding al-d clothing the destitute of the world, as
the word "charity" all too often connotes?
U.S. president Barack Hussein Obama seems to ~hink so - e'I-, given his background [5], is at least
banking that others do - based on his recent pni2.~!amation tp the Muslim world [6] that "in the
United States, rules on charitable giving have m~lc e it harder for Muslims to fulfill their religious
obligation. That is why I am committed to workir~j with American Muslims to ensure that they can
fulfill zakat."
Thus does Obama conflate a decidedly Islamic concept, zakat, with the generic notion of charity. Is
this justified? As with all things IslamiC, one must l'irst examine the legal aspects of zakat to truly
appreciate its purport. Etymologically related to ~h'::! notion of "purity," zakat - paying a portion of
one's wealth to specifically deSignated recipients _ .00 is c way of purifying oneself, on par with prayers
(see Koran 9:103).
The problem, however, has to do with who is eligil::.Je for this Tlandatory "charity." Most schools of
Muslim jurisprudence are agreed to eight possibl'~ categories of recipients - one of these being
those fighting "in the path of Allah/, that is, jiha b .. also kno'/ln as "terrorists."
I .
In fact, financially supporting jihad is is a recogni;~ed form of j ihad - iihad ai-mal [7]; even the vast
majority of militant verses in the Koran (e.g., 9:~~G : 9:41, 49: 15,61: 10-11) prioritize the need to
fund the jihad over merely fighting in it, as fighti n] witll one'~; wealth often precedes fighting with
one's self. Well-known Islamists - from internatio',al jihadi £~sama bin Laden [8] to authoritative
http://pjmedia.com / blog/why-muslim-charities -fu nd -the-jihad j?prin t= 1 Page 1 of 2
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22. PJ Media » Why Muslim Charities Fund the Jih ad » Print 5/ 27!l2 2:25 PM
cleric Sheikh Qaradawi [9] .:....- are well aware of thh and regu arly exhort Muslims to fund the jihad
via zakat.
More revealing of the peculiarly Islamic nature 9f ;;:akat is th(~ fact that Muslims are actually
forbidden [10] from bestowing this "charity" ontd non-Muslin·s (e.g., the vast majority of American
infidels) . "Charitable" Muslim organizations operb'~ing on Amr~rican soil are therefore no mere
I
equivalents to, say, the Salvation Army [11], a Oh"istian char'ity organization whose "ministry
extends to all, regardless of ages, sex, color, or b'l~ed." In I:, lam, creed is a major criterion for
receiving "charity" - not to mention for receivin6 :;ocial eq ui!ill..v. [12].
From here, one can better understand Obama's Ie'nent that " in the United States, rules on charitable
giving have made it harder for Muslims to fulfill Ir i~ir religious obligation" - a statement that
unwittingly implies that American zakat has, in fact, been u ~i~d to fund the jihad. After all, these
irksome "rules" to which Obama alludes appear 'T be a refe :· ~nce to the presumably "excessive"
scrutiny American Muslim "charities" are subjectl t :) by law enforcement. Yet this scrutiny is itself a
direct byproduct of the fact that American Muslirh " charities" have indeed been funding the jihad
[1 3], both at home and abroad [14]. I
In light of all this, what t ruly remains to be seenl i;i how, precisely, Obama plans on "working with
American Muslims to ensure that they can fulfill ~;:: kat."
Article printed from PJ Media: http://pjmedia.c(lrn
URL to article: http://pjmedia.com/blog/why· ri'lusrim-chl arities-fund-the-jihac:l/
URLs in this post:
[lJ taught: http://pjmedia.com../ .. / ../ .. / .. /b ~ c:'!J/textbo'[Jk-liies-about-islam/
[2J teaches that: http://www.historytextbook,s.,org/islalinreport.pdf
[3J United States : http://www.wnd.com/newf / artide.a~;p?ARTICLE_ID=53303
[4J enjoining what is right, forbidding what is wroll ~ : http://www.java­
man.com/pages/Books/alhisba.html
[5J his background : http://pjmedia.com.. / .. / ..l/,./../blog/obamas-puzzling-approach-to-the­
muslim-world/ '
[6] his recent proclamation to the Muslim world:
http:/ /www.huffingtonpost.com/2009/06/QI /ob:ama-!peech-in-cairo-vid_"_211215.html
[7J ji had ai-mal: http://www.jcpa.org/jl/vP5~~·,.htnn
[8J Osama bin Laden: http://www.memri.org/ib:in/latest · ews.cgi?ID=SD218909
[9J Sheikh Qaradawi: http://www.douglasfarah.cOITI/artl de/ 119/zakat-and-jihad-from-the­
words-of-the-master I
[10J forbid~en: http://qa.sunnipath.co~/issuI6..,,.view..aSP?HD=1&ID=1527&CATE=5
[11] Salvation Army: http://www.salvatlonarT·ill.org/lhQ/ www_sa.nsf
[12] equality: http://www.archons.org/pdf/i~~I.Jes/DHII.1MI.pdf
[13J funding the jihad: http://www.ustreas.go~/ press/releases/js1895.htm
[14J home and abroad: http://www.discovertt-e:l1etwork5:org/grouPProfile.asp?grpid=6181
L...-_ _ _ _ _ _ _ _ _ _ _ _ _ _L. , .......J
._____________
Copyright © 2012 pajam1a':, Media . AI: rights reserved.
http://pjmedia,com / blog /why- muslim-charities-fu nd-t he-jihad!?print= 1 Page 2 of 2

23. ....ltsMAi;'}' CJaa-M~~~~,ft> ; tip~~I~ i:~.,, ~"":p?'f~'Fg,~."rr~ yltl ·· . F·"".''f[;'~ ,rrf!J!j ;
) •• "U~U I II Te·"ol' F;n1afi'cing'
Afghan Support Committee (ASC)
AI-Aqsa International
Al FUll'qan
Ai MMjig Al Aqsa Foundation
Taibah International
Al Haramain Islamic Foundation
AI-Salah Society
Arab Student Aid International
!Benevolence International Foundation
Care International, Inc
Commite de Bienfaisance et de Secours aux
Palestiniens (CBSP)
A.ssociation de Secours Palestinien (ASP)
IElehassan Society
The Global iRelief Foundation
Holy Land Foundation
ll5!amic-.AJp.£a.~Relief-~AAg~nc-y--tIA~-A7
The International Islamic Relief Organization
I[slamic Resistance Support Organization (IRSO)
IKindHearts
lPalestinian Association in Austria (PVOE)
lPalestinian !Relief and Development Fund
(Interpal)
IPtech and Muwfaq
!Rabim Trust
!Revival of Islamic Heritage Society (RlHS)
Sanabi! Association for Relief and Development
The Saudi Red Crescent
World Assembly of Muslim Youth (WAMY)
The Charitable Works Society, Bahrain
The Islamic Society, Bahrain.
The International Islamic Council for Da'wah and
Relief, Egypt
The Palestinian Support Committee, Kuwait
Al-Abrar Charitable Society, Lebanon
Jerusalem Support Committee, Lebanon
The Palestinian and Lebanese Families Welfare
Trust, Lebanon
The Ansar Charitable Socielty, Sudan
The Islamic Da'wah Association, Sudan
The Social Reform Society, Yemen
AI-Aqsa Islamic Charitable Society, Yemen
AI-Aqsa Foundation, Belgium
Families Relief, Britain
Human A~peaJ. BritAin
Islamic Relief, Britain
Muslim Aid, Britain
Muslim Hands, Britain
'The H~:.~ar-~ Re.~i:=:f r0~lnd~GO': iJ E;ritE.i~,
e omite-deBerualSance efae~ecours aux
Palestiniens (CBSP -- Palestinian Support
Committee), France
Al-Aqsa Foundation, Holland
Sanabi! Al-Aqsa , Sweden
The Palestinian Relief Society - ASP, Switzerland
Benoni Muslim Jamaat, South Africa
Jamaiatul Ulama - Transvaal, South Africa
joharmesburg Charitable Organization, South
Africa
Kwa Zulu Jamaiatul Ulama, South Africa (Natal)
Muslim Hands, South Africa
Muslim Judicial Council, South Africa
Muslim Students Association - Gauteng, South
Africa
Muslim Youth Movement, South Africa
South African National Zakkah Fund, South Africa
Soweto Muslim Association, South Africa
Sunni Ulama Council - Gauteng, South Africa
Waqf al-Waqifeen, South Africa
Charme! Islam International, South Africa
Radio Islam, South Africa
Radio 1584, South Africa
The Voice, South Africa
Voice of the Cape, South Africa
The Saudi Arabian Committee for the Support of
the Al-Aqsa Intifada, Saudi Arabia
The International Islamic Relief Organization
(!!B.0 ;, 8~'..!~~ !'..:::;;;
The Red Crescent, UAE
The UAE Committee for the Support of the
Palestinian People
T~? S~eiId'~ M~:'~~7~7:,=d bt.1 RaAhcd ~:i'Gi:i:t..~tion
'fhe-tl1ne haritaote-SOCiety
The Sharqa House of Charity, UAE
The Organization of Charitable Works, UAE
The Human Aid Society I Physicians Union, Egypt
The Arab Physicians' Committee for Aid and
Emergencies, Egypt
The Office of Commerce and Industry, Bahrain
The Charity Institution of Sheikh 'Id Aal Thani,
Qatar
The Qatar Charitable Society, Qatar
The Yemeni Association of Religious Scholars
The Association for Charitable Deeds, Yemen
The Union of Good / Lebanon
The Movement for Unity and Reform, Morocco
AJ-Irshad Charitable SOci€ty, ARgeria
-~--------.,...-.,.~-------------~,-----------------;---~~ -- .-:-- - - - - - - - ,

24. FREQUENTLY ASKED QU~!STJ[ONS
1. How is shariah related to jihad?
Shariah mandates as a religious obligation, (w:1ducting 'iliolent jihad against non-Muslims
to establish Islam's rule worldwide in a fonh :mown as the caliphate.
2. How does shariah finance relate tq r:hariah it~;. ~lf?
Shariah finance is indistinguishable from sh'cl'ah itself~, nce its followers considerI
shariah immutable, indivisible, and mandatdr:, for Muslims to follow in all aspects of
life. Muslims are not allowed to pick and c~o :,se differellt aspects of shariah to follow.
Anyone that infers that shariah finance is sor'~thing ap<.."t from shariah is simply being
dishonest. In fact, the main purpose of shariall. finance is to promote shariah.
3. Where is shariah-compliant finan(~e most pro minent?
I
According to the British financial periodica :;'he Banker Iran dominates the world of
shariah-compliant finance. Three of the fivellargest shariah-compliant financial
institutions in the world-including the top two-are Iranian. The amount of shariah­
compliant financial assets in institutions in I~';ll is over tunce as large as the amount in
financial institutions in the world's second 1 rgest sharia -compliant country, Saudi
Arabia.
4. How does shariah fmance threaten A.mericam?
Shariah finance is a threat to Western values, human rights and US national security.
Shariah finance has a political objective: to legitimize shariah in the West. Evidence
indicates that shariah-compliant [mance prov:::ies financial support to extremism and
terrorism. Shariah-compliant financial institutions emplc y shariah scholars, many of
whom have been shown to be extremists, ev1en to the paint of advocating suicide
bombing and jihad against America. Among~ the decisioi:.s these scholars make is the
donation of 2.5% or more of annual earningk":OJ Muslim ·::harities. Similar to zakat,
earnings from investments that are judged tc~ ~'Iave been Llnislamic must be purified
through donations to charities as well. Givel~1e extremist tendencies of these scholars
and the fact that dozens of such charities har e been designated as funding terrorism by
the US Treasury Department and other intemc.tional auLorities, this presents a hazard
which could obviously threaten US national s;;curity.
In sum, shariah finance represents a numberlcCpotential threats to the US, including
possible financing of terrorism and extremisi Islamist organizations and movements,
infiltrating our financial markets and legitimi?:ing shariah.

25. I
5. Have shariah-compliant financial ,FI:,titutions been tied to terrorism?
There are a number of well-documented cas'e ; in which !:hariah-compliant financial
institutions have participated in the fmancia} ~;.upport of terrorism. For instance, two
shariah-compliant banks registered in the B,:tLamas, Ban1
( Al-Taqwa and Akida Bank,
were, according to the US Treasury Depart~1f: lt, shell c(lmpanies actually run out of Italy
and Switzerland, whose only real business t(· ~ lacnderirg money to terrorists. From 1988
until November 2001 when it was designatep a terrorist f!ntity by the US goveITill1ent and
the UN, Bank AI-Taqwa transferred tens of iJlions of dollars to HAMAS, Al Qaeda, the
PLO, Algerian Armed Islamic Group (GIA)l tbe Talibau, Egyptian Gama'a al Islamiya
and the Tunisian An-Nahda.
In another case, prominent members of the Saudi royal j;illlily were co-investors with
Osama Bin Laden in the Sudanese Shamall:3Lmric Bank while several designated
terrorists maintained accounts there.
6. How have shariah-compliant finaD!cial institutaons used charities to fund
terrorist groups?
Generally, shariah-compliant fmancial institu':ions have provided funds to terrorist and
extremist groups through Islamic "charities." 'fhe fmancial institutions donate the money
to the charities which then steer the funds to tf;:rrorist gW;lpS. For example, both Bank Al­
Taqwa and Akida Bank used charities in Emope, the Middle East and the US to funnel
money to terrorist groups.
I
7. Have shariah-compliant financial i:mtitutions in the US been tied to
terrorism?
Yes. Bait u Mal al Islami (BMI), a shariah-c~mpliant investment company based in
Seacaucus, NJ, which promoted itself as an ~s.amic alternative to conventional
investments and solicited funds for real estate developffi1~nt, was called by US federal
prosecutors as the "US banker for the Muslirln Brotherhcod." In testimony before a US
Senate committee, former White House cour~tertercorisrn advisor Richard Clarke said that
BMI's financial services were little more thab a cover "1:) conceal terrorist support," and
that its investor list "read like a who's who of designated terrorists and Islamic
extremists."
BMI worked closely with the Bank AI-Taqwa/Akida Bark network in transferring
millions of dollars to terrorist groups througi~ ~1em, while receiving large amounts from
well-known donors suspected of funding ter1~Tism. Thes(! included the Hamas top leader,
Mousa Abu Marzouk, who made a number ofinvestments with BMI. Tellingly, BMI
continued to work with Marzouk even after ~.;: latter wa~ declared an internationally
designated terrorist by the United States govl~l'1lme:nt in 1?95.
8. How widespread is the use of Islamjic charities to fund terror?

26. No one in the West knows for sure how widL'pread the r.se of Muslim charities for
telTorism funding actually is, however, the U~:, Treasury Department, the UN, and British
regulators have so far designated some 80 Mu:::lim charities in the US and worldwide as
terrorism entities due to their funding of terrbrist groups like Al Qaeda, HAMAS and
others.
9. We know that there is state spon;s ]lrship of L rrorism. Is there state
sponsorship of shariah finance?
State sponsorship of shariah finance has bee. ongoing since its inception with the
founding ofthe first shariah-compliant bank in 1975, Iskmic Development Bank (IDB).
In Iran, which has more shariah-compliant iI!l~:titutions thm any other nations, aU of the
banks are in fact state-run.
10. Have shariah-compliant financial i.ill!!:titutions been tied to weapons of mass
destruction?
Yes. Iran's largest bank, Bank Melli, which '0 as named til the November 2007 edition of
The Banker as the largest shariah-compliant b::m.k in the 'Norld, has been put under
sanctions by both the US government and the European Union for its role in financing
Iran's nuclear and ballistic missile programJ,.
11. How does shariah finance threaten t'lreedom-lqJving Muslims in the West?
The effect of legitimizing and promoting shariah in the'vvest can already be seen inI
Western Europe. Promoting shariah incapsulates Muslin~ communities from mainstream
society and even creates enclaves controlledl by shariah.Shariah-compliant finance plays
a particular role in this because, a devout Mp. ill living in a Western country in which
there are no shariah-compliant banks are a1l 'ved to use r~onventional "infidel"
1
,
institutions under the shariah doctrine of "e t!eme nece~:sity." However, once shariah­
compliant institutions do exist, they are relit~i()Usly oblig3.ted to patronize them
exclusively. Thus, by allowing the spread of:- :.hariah finance in the West and the US, we
are pushing Muslims toward shariah.

27. __________L''-__ ......____.____
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25
24