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madhhab this is to do with amal that is practice 99 of what you called dinar economy is my doing if something is wrong is my fault if something is right is because i managed to interpret well the amal of madinah and allah knows best what is the long vision of the gold dinar the full implementation of muamalat according to the original sources fiat currencies are not our way they are part of banking they originate from banking and we endure them as a result of the elimination of freedom represented by the crowning of capitalism in our constitutions through three main elements central banks national debt and legal tender constitutions are part of the new world order envisioned by xviii humanists historically constitutionalism is anti khalifate and therefore anti islam needless to say islamic constitutions are like islamic banks a complete absurdity that the majority of ulema today take this status quo for granted does not disarm the purity of our objectives it only shows that we are living in dark days when i started this movement of the dinar there was nobody who knew or cared about the dinar now there are millions when the light comes the darkness disappears for defending the return of the dinar i was called naïve utopian and all kind of other things many of those people have now joined me others are now silent i say fiat currencies are haram central banks are haram islamic banking is haram national debt is haram legal tender is haram and constitutions that enshrine those elements are haram and allah knows best many still disagree with me on those grounds above and therefore what follows is irrelevant for them my concern is not what is haram but what is halal in search of the halal we return again and again to the practice of madina it is impossible to understand the amal of madina if what is in your mind is the present amal of capitalism to understand you have to divorce yourself from the present way of doing things and you have to walk the streets of madina only then you might understand the second element to understand is what comes before what that is the order of priorities and for that you need to think like an architect you need to sense what is the primordial core and what is secondary that is what led me to write about the core mechanism of islamic trading dinar and dirham markets and qirad it is all in black and white when you intend to replace a system such as capitalism with something entirely new such as muamalat you need to understand priorities but also the boundaries even though you are starting with something small you cannot compromise the meaning what is halal and what is haram therefore if you do something and you want to differentiate it by calling it islamic it must be islamic rather than almost islamic or our intention is islamic this is not acceptable if we feel that we still need banks in the initial stages then we use them but we should call them haram banks then we are clear islam is not negotiable now we can progress the idea of replacing national government replaced by amirate well be careful that we don t fall into nationalist fallacies the amirate must be of dar al islam central bank replaced by mint these two institutions have nothing to do with each other they are totally different instead of replacing we should think in terms of building or growing from zero this is more like planting a seed and seeing it grow until it becomes a tree rather than replacing the fruits of the tree i decided to start with the dinar this is the seed the first thing is to get gold and mint the coins there you have the first mint i called it islamic mint we had several mints then i decided to create world islamic mint as a guarantor of the standards the standards of madinah the mithqal and 7 10 of the mithqal then it came the question of the alloys the dinar of madinah was not 999 9 because they did not have the metallurgic capabilities of today the intention though was to create a pure gold coin but they couldn t as we can today so the amal was a coin mixed with silver they could not separate silver from gold in those days but the intention was a pure coin should we make a 24k coin or a 22k as we decided a 24k coin is too soft and wares out rapidly in circulation wearing out is critical because if it falls bellow certain weight is no longer a dinar the average life of a 22k gold in circulation is about 15 years the average life of a 24k gold coin in circulation is about 3 years the conclusion is obvious if you mixed pure gold with 10 silver the coin doubles in strength if you mix it with 10 copper its strength is 20 times bigger wim decided to make the standard 22k with a mix of silver and copper 50 50 that is ijtihad there is no place for ijtihad regarding the weight the weight is the mithqal but what is the mithqal wim says 4 25 gr since we could not measure 72 grains of barley accurately we took our weight from non circulating original dinars that are still preserved in museums we took the best coins and average their weights the result 4 25 gr coins require to be identifiable and as much as possible they should not be counterfeited easily the first line of defense against counterfeiting is quality we need to mint at the best quality possible so the number of possible counterfeiters is diminished second you introduce security features they are of two kinds visible to the naked eye and non visible cost is important so you need to introduce them according to necessities with the hope of being ahead of counterfeiters this concern is fundamental for the mint it is a responsibility the good news is that there are security features that are impossible to counterfeit wim has an implementation plan to introduce them gradually without incurring an excessive cost on the final user some of the security features are expensive to implement in relatively small quantities bear all those elements into account and you can have a hundred different dinars with different flavours what you cannot expect is people especially shops with a list of one hundred different standards and one hundred different prices imagine how to deal with mutual exchange of coins so the answer to your first question 1 is the long term vision of the gold dinar that there will exist mutliple regional flavours of dinars just like regional currencies and well known liquid exchange rates determined by market forces will exist between them wim has a single global standard and all the coins have the same design and security features wim just recently made the first change in standards the kelantan dinar has all those features including new security features all of the wim coins will follow this standard by jan 2011 the old wim coins will be re minted into the new standards or will be taken out of circulation the network of wim shops with the sticker we accept dinar and dirham will only accept the new standard coins e dinar will only accept and use the new wim standards from jan 2011 wim will therefore have a single global standard all the other coins are seen as gold material imam malik in the muwatta speaks of coins that are popular and coins that are not popular acceptance is the ultimate text nobody can be forced to accept coins that they do not want and do not trust coins will have the value that people decide to give them and nobody can change that and nobody should not change that 2 or is it that somehow all issuing authorities will collaborate with each other to issue coins at fixed prices that is precisely the job of wim we coordinate between all the mints that subscribe to our principles wim establishes what we call a recommended retail price which means that all the coins have the same recommended price worldwide the advantage is that we can interexchange the coins one to one without exchange fee this radically increases the acceptability and functionality of our regulated coins 3 or is it that there will be only one global issuing authority because of the security features you need to limit the number of minting houses wim accredits mints if they fulfil minimum conditions of quality and can technically introduce the security features we are in negotiation with a number of them 4 or is it that magically inspite of different market prices in terms of external currencies people will voluntarily start exchanging them at same price by respecting their gold content alone and ignoring their brand people are the ultimate market makers mints and wim can only make claims in regard to the quality of the coins they produce nothing more and nothing less pricing is to do with what you have in front of you imam malik differentiates three types of gold and silver objects nuggets material coin and jewelry material and jewelry are exchanged without measure that is to say the value of a piece of jewelry does not depend on its weight same applies to material only coins of the same standard do what makes the coin coin is their ability to function as a means of payment thus there is a difference between coin and bullion there is also a difference in price we are at a moment in history when we are just starting to use gold and silver coins as means of payment therefore it is logical to conclude that the value of the coins will depend on their increasing ability to serve as means of payment the job of wim is to increase those functionalities the job of the people is to price them according to whether that ability is reasonably performed or not wim might strive with its standards to improve functionality but the ultimate price is only established by the users value of electronic payments payment systems in general have to also follow islamic law the basic legal structure of payment systems is the wakala this is the model electronic payment system refers not to electronic currency but electronic means of communicating with the wakil the means of payment are the physical coins the expression back by gold could be misleading if it is not understood that the payment is made with physical coins that must be present if we call e dinar to the unit of payment it must be understood that the payment is made with physical dinars the e dinar unit cannot circulate independent of the physical coin if you think about the e dinar project as a building then these are the steps first the question of the repository 1 a central repository with a central data base 2 multiple repositories with a central data base 3 infinite repositories with a central data base essentially the idea is to disperse the stock and avoid as much as possible central repositories each step requires a process on the beginning you build the payment system on a singular repository it is the easiest the decentralisation of the repositories has an impact on transfer fees since it becomes unnecessary to transport gold if you live near a repository the second issue is the type of accounts 1 bullion 2 bullion and coins 3 only coins and only bullion the idea is that you progressively eliminate the bullion and transform it into coins as the demand for coins increases when we started e dinar hardly anybody demanded the coins in redemption of their accounts 99 percent of customers demanded redemption in bullion this gradually changed as the physical coins gained acceptability on the ground consequently e dinar has been changing the stock to meet demand since the introduction of the new wim standard and the stickers wim demanded e dinar to move to the next stage and from jan 2011 e dinar will have only coins accounts and only bullion accounts the new accounts will be in display by november this year and will be in full functionality during december according to what i heard from e dinar chairman dr habib dahinden with the new accounts available in jan 2011 all e dinar units are exchangeable with dinar coins only one to one fees are applicable depending on location of the repository thus decentralisation but only in case of redemption and thus the logic of multiple repositories it follows that the price of the e dinar is identical to the dinar and it follows that the use of e dinar through a smart card or mobile telephony bears the same value as a physical dinar except the coin is safekept in the nearest repository there is a fee for the acceptance of the e dinar unit which is beared by the shop under the terms and conditions of the agreement but this fee is ridiculously small 1 or maximum 0 015 e dinar for e dinar transactions max 0 5 e dirham for e dirham transactions whatever the lowest reserve responsibility the best reserve system is to hold the dinar in your pocket given the fact that some users demand to hold accounts with a wakil in order to facilitate their payments then we need a payment system repositories are best the nearer they are to the user and therefore a payment system should try to come as close as possible to the user when you deposit your money with a wakil you must trust him if you do not do not do it the trustworthiness of the wakil is based on his reputation as granted by the community and his performance rasulullah salallahu alaihi wa salam was well known amongst his people as the amin the trustworthy one at the moment e dinar is an internet based electronic payment and exchange system that facilitates transactions which are 100 backed by physical gold and silver from jan 2011 you will see something like this e dinar is an internet based electronic payment and exchange system that facilitates transactions which are 100 backed by physical dinar and dirham and you will also see a differentiation between bullion accounts and coin accounts the issue has been explained earlier wim has responsibility to inspect e dinar systems and to award them with being a wim payment system if you notice wim has not yet given its wim logo to e dinar it will only happen after jan 2011 allah is our lord he is the master of everything in the heavens and the earth he is our protector and our guardian his people are known to him and they are measured by their actions rasulullah sallalahu alaihi wa salam is our model we follow his steps and that of his companions there is a clear sign for the people who follow him that is victory for victory is the sign of the selected who abide to the commands and fulfil them and victory belongs to allah p s baca dengan teliti dan cuba fahami secara ikhlas mahu memahaminya tidak faham boleh bertanya leave a comment from ekonomi i masyarakat tentang amzar golden enterprise august 19 2010 tags iklan pelancaran dinar dirham kelantan pada 12 ogos 2010 yang lepas merupakan satu acara bersejarah buat umat islam seluruhnya kerana buat pertama kali dalam sejarah sejak kejatuhan khulafah uthmaniyyah sebuah kerajaan menjalankan tanggungjawab dengan menempa dinar dan dirham untuk kegunaan rakyatnya sebagai medium penukaran berikutan dengan itu kini adalah fasa untuk memperkembangkan lagi kefahaman dan aplikasi penggunaan dinar dirhan sebagai medium pertukaran 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