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The Fifth Generation WarfareBy: Dr. Rachel Ehrenfeld and Alyssa A. Lappen FrontPageMagazine.com | Friday, June 20, 2008
Shari'a finance is a new weapon in the arsenal of what might be termed fifth-generation warfare (5GW).2The perpetrators include both states and organizations, advancing a global totalitarian ideology disguised as a religion. The end goal is to impose that ideology worldwide, making the Islamic "nation," or ummah, supreme.3
Moreover, according to shari'a, Muslims hold all property in trust for Allah.4 Therefore, under theshari'a, all current and historic Muslim acquisitions everywhere, including the United States, belong to theummah, in trust for Allah.
Although Senator Bennett is correct---buying portions or all of NASDAQ is legal, and NASDAQ regulations could not be changed without Securities and Exchange Commission (SEC) approval---Bourse Dubai's shari'a influence in the heart of the U.S. markets and economy should have been of grave concern.
The origins of the modern financial jihad infrastructure, including all Islamic economic and financial regulatory organizations like the 1991-Bahrain-registered and -based Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI), date back to the 1920s and were an invention of Muslim Brotherhood founder Hassan al-Banna. He designed political, economic, and financial foundations to enable Muslims to fulfill a key form of jihad mandated by the Qur'an---financial jihad.8
But Saudi Arabia welcomed this new wave of Egyptian dissidents, as did King Saud bin Abdel Aziz earlier waves in 1954 and 1961.12 Their ideas so appealed to him and his clerics that in 1961, Saud funded the MB's establishment of the Islamic University in Medina to proselytize its fundamentalist Islamic ideology, especially to foreign students.13 In 1962, the MB convinced the king to launch a global financial joint venture, which became the cornerstone and engine to spread Islam worldwide. This venture created charitable foundations, which the MB oversees and from which most Islamic terrorist groups benefit.14
The first were the Muslim World League (MWL) and Rabitta al-Alam al-Islami, uniting Islamic radicals from 22 nations and spinning a web of many other charities with hundreds of offices worldwide.15 In 1978, the kingdom backed another MB initiative, the International Islamic Relief Organization (IIRO), which, with all these "charities," is implicated for funding al Qaeda, the 9/11 attacks, Hamas, and others.16 These "charities" are used to advance the Muslim Brotherhood and Saudi political agenda, namely empowering theummah and imposing worldwide shari'a. “I don't like this word 'donations',”. al-Qaradawi told BBC Panorama on 30 July 2006. “I like to call it Jihad with money, because God has ordered us to fight enemies with our lives and our money.”17
According to a 1991 U.S. Library of Congress report on Sudan, the IDB also supported Faisal Islamic Bank, established in 1977 under Sudan's Faisal Islamic Bank Act by Saudi prince Muhammad ibn Faisal Al Saud and managed by local Muslim Brotherhood members and their party, the National Islamic Front. Soon other political groups and parties formed their own Islamic banks. Together, Sudanese Islamic banks then acquired 20 percent of the country's deposits “providing the financial basis to turn Sudan into an Islamic state in 1983, and promoting the Islamic governmental policies to date.”25 Sudan Islamized its banking in 1989. However, Pakistan was the first country to officially Islamize its banking practices, in 1979.
Consequently, the IDB founded the AAOIFI in 1990. AAOIFI members include the Saudi Dallah al Baraka Group, al-Rajhi Banking & Investment Corporation, and Kuwait Finance House28---all implicated in funding al Qaeda and other MB offspring, according to Richard Clarke, the former national coordinator for security, infrastructure protection, and counter-terrorism.29 The 18 AAOIFI members also include Iran and Sudan, both on the U.S. Treasury Department's Office of Foreign Assets Control (OFAC) sanctions list; Iran is a U.S. State Department-designated terror-sponsoring state, too. UAE banks wired most of the funding for the 9/11 attacks.30
In addition, the “de facto Islamic Central Bank,” the Islamic Financial Services Board (IFSB),31 was established in 2002 in Kuala Lumpur “to absorb the 11 September shock and reinforce the stability of Islamic finance.” Chairing the organizers' meeting, then Malaysian Prime Minister Mohamed Mahathir stated, “A universal Islamic banking system is a jihad worth pursuing to abolish this slavery [to the West].” IFSB members include the central banks of Iran, Sudan, and Syria (all designated state sponsors of terrorism) and the Palestinian Monetary Authority (PMA), which is widely documented since its inception to be a terror funder.32
Billionaire Sheikh Saleh Abdullah Kamel and his family, like other wealthy Saudis, have built their terror-funding-affiliated $3.5 billion Dallah al Baraka Group to service the shari'a.37 Its business, finance, and media sectors incorporate agriculture, communication, health care, real estate, tourism, trade, transportation, and finance companies---including 10 banks and many leasing and finance firms, Arab Radio & Television and Arab Digital Distribution, and the International Information & Trading Service Co., producing the Top 1000 Saudi Companies Directory, among other publications.
The NASDAQ acquisition, purchases of over 52 percent of the London Stock Exchange (LSE) and 47.6 percent of OMX (Nordic exchange), and vigorous expansion of shari'a finance all steadily implement al-Banna.s plan to spread and ultimately impose shari'a worldwide.
Bourse Dubai in December 2006 loudly proclaimed its new conversion to “shari'a compliance and accounting practices.”39 Yet, responding to a specific inquiry on the Islamic nature of Bourse Dubai from the Partnership for New York City on 22 October 2007, Bourse Dubai denied being an Islamic exchange.40Still unaware of the implications of importing shari'a finance, however, hoards of Westerners eagerly attend such pricey events as the October 2007 Islamic Finance Summit in New York,41 which focused on the “innovations in shari'a compliant finance.” According to an eyewitness, when one participant timidly inquired, “What is shari'a law?” a leading Islamic scholar responded from the podium: “It's good for you.”
Muslim Brotherhood spiritual leader Yusuf al-Qaradawi decrees, “Declaring holy war . . . is an Islamic duty, and fighting . . . is the Way of Allah for which Zakat must be spent.” In his 1999 publication, Fiqh az-Zakat, al-Qaradawi adds, “The most important form of jihad today is serious, purposefully organized work to rebuild Islamic society and state and to implement the Islamic way of life in the political, cultural and economic domains. This is certainly most deserving of Zakat.” 44 And as previously demonstrated time and again, Muslim jihadist-terror organizations are indeed prominent zakat recipients.
In a 2006 federal case, alleged al Qaeda supporters Emadeddin Z. Muntasser and Muhammed Mubayyid were charged with soliciting and spending “funds to support and promote the mujahideen and jihad, including the distribution of pro-jihad publications,” through their now-defunct "charity" and front organization, Care International. The Boston-based organization published, among other things, the English version of al Qaeda cofounder and key Muslim Brotherhood leader Abdullah Azzam's “Join the Caravan.”
Incredibly, the suspects' attorneys also argued that such charitable giving, to support jihad and mujahideen, is rightfully tax exempt under the U.S. constitutional protection of religious freedom.51 Court records show Care International deposited checks “with handwritten notes such as 'for jihad only,' 'Bosnia Jihad fund,' and 'Chechen Muslim Fighters'.” The U.S. Constitution provides protections for religious freedom, but most certainly was never intended to protect religiously sanctioned or encouraged war in or
The First Amendment bars Congress from enacting laws “respecting an establishment of religion, or prohibiting the free exercise thereof.” However, the Constitution offers no protection to any group or religion supporting “holy war” against the United States or its citizens.
In 2007, Saudi Arabia collected $18 billion in zakat52 ---which includes the 20 percent flat corporation tax from foreign companies. The Saudis claim that the money collected develops their infrastructure. However, two-thirds of Saudi men are unemployed and the infrastructure is crumbling.53
Illustrating how funds are used, Saudi Arabia's secretary-general of the official Muslim World League Koran
Memorization Commission stated on Iqra TV, on 29 August 2005, “The Prophet said: 'He who equips a fighter...it is as if he himself fought.' You lie in your bed, safe in your own home, and donate money and Allah credits you with the rewards of a fighter. What is this? A privilege.”54
Since the 1970s, the Saudi government has spent more than $100 billion 55 to build thousands of mosques, Islamic centers, and Islamic studies programs in universities worldwide to advance the ummah's power and undermine Western economic, political, cultural, educational, and legal structures and replace them with theshari'a.56 In the last 13 years alone, the Saudis gave at least $459 million to British universities for Islamic study centers, according to Professor Anthony Glees, of Brunel University.57
Moreover, to wield more control over Muslim communities worldwide, better orchestrate “spontaneous demonstrations,” and better allocate funds for them, the Saudi-backed OIC established the clerical International Commission for Zakat (ICZ) on 30 April 2007. Previously, there were more than 20,000 organizations that collected zakat. Now, however, the Islamic clerics' centralized “expert committee” based in Malaysia also supervises and distributes zakat funds globally. The new committee distributed
The Saudi role in terror financing is no secret. Yet, the U.S. administration keeps telling us that the Saudis are our allies. On 10 December 2002, criticizing the Joint Inquiry Staff (JIS) report of the Senate Select Committee on Intelligence (SSCI) and the House Permanent Select Committee on Intelligence (HPSCI), Senators Jon Kyl and Pat Roberts stated, “The pervasiveness in Saudi Arabia of Wahhabism, a radical, anti-American variant of Islam, was well known before 9/11. The JIS should have inquired why the country of Saudi Arabia was given such preferential treatment by the State Department and whether the intelligence agencies were complicit in the policy.”62
Although presenting itself to the West as a moderate. ally, the UAE has consistently supported the. peaceful. and violent advancement of shari'a and terrorism worldwide. In 2006, to support suicide bombing, the UAE gave $100 million to the Palestinian Authority to build a new town named Sheikh Khalifa City, in honor of the UAE president. The city houses families of "shahids and prisoners" andprisoners.and was built on the ruins of Morag, one of the evacuated Israeli settlements in Gaza.66
Indeed, as documented by the Intelligence and Terrorism Information Center at the Center for Special Studies (CSS),68 Hamas charitable societies are known as integral parts of the Hamas infrastructure, and are outlawed by the United States and Israel.
Immediately before the 1991 Gulf War, Sheikh Zayed branded the United States the Muslims” “number two enemy” after Israel. As of this writing, the UAE votes against the United States 70 percent of the time in the UN.76
On 15 February 2005, the Hamas Web site reported on funds transferred from HAI to two West Bank Hamas front organizations, IQRA and Rifdah, outlawed in Israel.78 On 22 March 2005, the Palestinian newspaper Al-Ayyam reported that in 2004 the UAE Red Crescent donated $2 million to Hamas "charities" for 3,158 terrorists. orphans.79
A detailed 25 March 2005 report, in the Palestinian daily Al Hayat al-Jadeeda, noted that the UAE Friends Society transferred $475,000, through the UAE Red Crescent, to West Bank "charitable" organizations in Hebron, Jenin, Nablus, and Tulkarem to distribute to families of “martyrs,” orphans, imprisoned Palestinians, and others.
In October 2000, shortly after the beginning of the last Palestinian intifada against Israel, Qatar-based Muslim Brotherhood spiritual leader Yusuf al-Qaradawi established the “Union of Good,”84 operated through the London-based Muslim organization Interpal. The Union of Good is an umbrella organization composed of 50 Islamic “charities,” including Hamas- and Hezbollah-affiliated organizations. It was supposed to raise funds for only 101 days, but its initial success led the founders, mostly Hamas members, to maintain its operations to date. Millions of dollars generated in Europe and elsewhere through the Union of Good-participating Muslim "charities" fuel all Palestinian terror organizations. Interpal was designated as a terrorist organization by the United States in August 2003, but remains free to operate in the United Kingdom and elsewhere. Al-Qaradawi, who established and leads the Department of Islamic Law (shari'a) at the University of Qatar and the Institute for Sunnah Research there, is also on the board of directors of the Al-Taqwa Bank, designated by the United States as a terrorist-funding organization in November 2001. In August 2004, al-Qaradawi issued a fatwa saying, “All the Americans in Iraq are soldiers, there is no difference between enlisted soldiers and civilians, and they must be fought because American citizens came to Iraq to serve the occupation. The kidnapping and killing of Americans in Iraq is a [Muslim religious] obligation to force them to leave the country immediately.”85
HOW THE WEST CAN WIN
The adversary's skill at manipulating media and public opinion cannot be underestimated. The propaganda offensive is so successful that even Colonel Thomas X. Hammes' description of what led to the Second Intifada is a rehash of the Saudi-sponsored Palestinian fabrication and propaganda. Ham mes claims that the Palestinian Authority named the new intifada “the al Asa Intifada” to suggest that the Palestinian violent reaction was a direct result of then Liked party leader Ariel Sharon's visit to the al-Asa Mosque. Moreover, Hammes' speculation that Sharon knowingly sparked Palestinian violence using his own fourth-generation warfare strategy suggests a deliberate disregard for thousands of dead Israelis and Palestinians in the resulting mayhem.
But a measure of the enemy's success is our reluctance to identify the shari'a for what it is. Its adherents value only the ummah, and they enslave the individual to achieve their goal---global domination. As long as the enemy---shari'a---has not been acknowledged and understood, we stand no chance. Exposing shari'aand all its adherents, be they states, organizations, or individuals, is crucial to our ability to defend ourselves. It will also enable us to undermine sharia's global structure, turning its adherents against it, the way we did with communism.
Dr. Rachel Ehrenfeld is author of Funding Evil; How Terrorism is Financed and How to Stop It. She is director of the American Center for Democracy and member of the Committee on the Present Danger. Alyssa A. Lappen, Senior Fellow at the ACD, is a former editor for Forbes, Corporate Finance, Working Woman and Institutional Investor.