Secular Koranism pamphlet - how the Party could eliminate usury

TABLE OF CONTENTS    

Below is a detailed party inquiry report from the Secular Koranist Party (SKP) examining how to eliminate usury under the Secular Koranist World State (SKWS), utilizing all the data I’ve generated on Secular Koranism (Claire Khaw’s definition, SKWS Constitution, SKP Constitution, Manifesto, psychological profile, pamphlets, speeches, story, essays, marriage bureau guide, implementation report, and psychological profile of Khaw). This report focuses on a gradual phase-out of usury to avoid economic collapse, integrating the Party’s government slavery program as an alternative job market for unavoidable job losses, and provides specific economic and governmental models for a seamless transition from capitalism to a Secular Koranist economy.

---

Secular Koranist Party Inquiry Report: Eliminating Usury in the Secular Koranist State

Introduction

The Secular Koranist Party (SKP) is committed to establishing the Secular Koranist World State (SKWS), a society governed by the practical laws of the Quran, interpreted secularly by Claire Khaw, where order, fairness, and patriarchy prevail. Central to our economic vision is the elimination of usury—interest-based lending condemned in Quran 2:275-279 as exploitative (Economics pamphlet). However, an abrupt ban risks economic collapse, disrupting banks, businesses, and jobs in a capitalist system like today’s. This inquiry report details a phased approach to weed out usury gradually, leveraging our government slavery program to absorb job losses, and outlines the economic and governmental models needed for a smooth transition from capitalism to a Secular Koranist economy—pragmatic, stable, and aligned with our order-seeking ethos (Psychological Profile).

Quranic Foundation and Secular Rationale

Quran 2:275 states, “Those who consume interest cannot stand [on the Day of Resurrection] except as one whom Satan has driven to madness by his touch.” While pure Islam ties this to divine judgment (Comparison essay), Secular Koranism sees usury as a secular ill—debt slavery that undermines families and fairness (Economics pamphlet). Our goal isn’t a sudden purge but a controlled shift, avoiding the chaos of Rome’s economic decay (Past Civilizations pamphlet). A gradual phase-out ensures stability, reflecting our pragmatic balance (Prostitution pamphlet’s curb-not-ban approach).

Phased Elimination of Usury: A 10-Year Plan

To eliminate usury without crashing the economy, we propose a decade-long transition, divided into three stages, each supported by economic and governmental adjustments:

1. Stage 1: Regulation and Reduction (Years 1-3)
   • Objective: Cap and lower interest rates, shifting lending toward profit-sharing.
   • Actions:
     • Interest Rate Caps: The SKC enacts a law capping interest at 5% annually, dropping to 3% by Year 3 (SKWS Constitution’s centralized authority). Banks must comply or face fines.
     • Profit-Sharing Pilot: State-backed “Mudarabah” programs—partnerships where lenders share profits, not interest—launch in key sectors (e.g., manufacturing, agriculture), funded by the 20% flat tax (Economics pamphlet).
     • Tax Incentives: Businesses adopting zero-interest models get tax breaks, easing the shift (Implementation report’s economic trials).
   • Economic Model: Hybrid system—capitalism with regulated interest, introducing Secular Koranism’s no-usury seeds.
   • Impact: Loan volumes dip 10-15%, but profit-sharing offsets losses—banks adapt, no mass layoffs yet.
2. Stage 2: Transition and Substitution (Years 4-7)
   • Objective: Replace most interest-based lending with profit-sharing and savings-based finance.
   • Actions:
     • Interest Phase-Down: Caps drop to 1% by Year 5, 0% by Year 7—banks must convert loans to profit-sharing or equity stakes (Economics pamphlet’s fairness).
     • State Banking Expansion: The SKC establishes the Secular Koranist Finance Agency (SKFA), offering zero-interest loans via profit-sharing, absorbing 30% of lending by Year 7 (SKP Constitution’s state control).
     • Savings Incentives: Citizens depositing in SKFA savings accounts earn profit dividends, not interest—encouraged via SKBN propaganda (Story’s media role).
   • Economic Model: Mixed economy—declining capitalist usury, rising Secular Koranism finance, with SKFA as a bridge.
   • Impact: Banking jobs shift—5-10% loss (e.g., loan officers)—but SKFA hiring mitigates some fallout.
3. Stage 3: Full Elimination and Stabilization (Years 8-10)
   • Objective: Ban usury entirely, solidifying a no-interest economy.
   • Actions:
     • Total Ban: Year 8—usury outlawed; all lending shifts to profit-sharing, equity, or state loans (SKWS Constitution’s law enforcement).
     • SKFA Dominance: By Year 10, SKFA handles 60% of finance, private banks adapt or fold—Citizen’s Militia ensures compliance (SKP Constitution).
     • Economic Oversight: Koranist Courts arbitrate profit-sharing disputes, replacing usury litigation (Education pamphlet’s legal training).
   • Economic Model: Secular Koranism economy—profit-sharing and savings-based, no usury, state-led stability.
   • Impact: Private banking shrinks 20-30%, job losses peak—addressed below.

Government Models for Transition

To oversee this shift, we rely on SKWS structures:

• Secular Koranist Council (SKC): Sets caps, laws, and timelines—centralized authority avoids capitalist lobbying (Political Parties pamphlet’s one-party unity).
• Secular Koranist Finance Agency (SKFA): A state bank replacing usury with profit-sharing loans, funded by flat tax revenue—replaces Federal Reserve chaos (Economics pamphlet’s fairness).
• Koranist Courts: Resolve disputes over profit-sharing—swift, secular justice (SKWS Constitution’s judicial role).
• Citizen’s Militia: Enforces compliance—banks switching or shutting down stay in line (Story’s grassroots order).
• SKBN Propaganda: Educates citizens—“Usury’s Over, Profit’s In”—shifting trust to SKFA (Implementation report’s media push).

Integrating Government Slavery for Job Losses

Unavoidable job losses—estimated at 200,000-300,000 by Year 10 (e.g., bank tellers, loan processors)—require an alternative market. Our government slavery program (Economics pamphlet) steps in:

• Identification: Displaced workers below the poverty line (e.g., $15,000/year, adjusted) enter the State Slavery Agency (SSA) pool—voluntary, race-neutral (Civil War pamphlet).
• Training and Placement: SSA offers 6-month retraining—construction, farming, SKFA clerical work—then hires slaves out to private firms or state projects (e.g., infrastructure, red-light districts) at a state-set wage (SKP Constitution’s oversight).
• Protection: Slave Visitors ensure food, shelter, no abuse—50,000 jobs created for inspectors by Year 10 (Story’s near-utopia order).
• Economic Model: Slavery absorbs 70% of losses (140,000-210,000 workers), generating $2-3 billion in annual revenue via hire fees, offsetting SKFA startup costs (Economics pamphlet’s no-welfare stance).
• Impact: Jobless rate drops from 5% to 2% post-transition—slavery as a safety net, not a burden (Implementation report’s pragmatism).

Economic Models: From Capitalism to Secular Koranism

• Current Capitalism: Usury-driven—banks profit via interest (5-20% rates), debt fuels consumption, jobs tied to lending (e.g., 2.5 million in U.S. finance, 2023 BLS).
• Stage 1 Hybrid: Caps shrink usury’s role; profit-sharing grows—SKFA loans at 0% interest, 20% of market by Year 3 (Economics pamphlet’s fairness).
• Stage 2 Mixed: Usury fades (1% cap), SKFA at 30%, savings accounts replace debt—private banks pivot or shrink (Implementation report’s pilots).
• Final Secular Koranism: No usury—profit-sharing (60% SKFA, 40% private), slavery supports labor shifts, flat tax funds state (SKWS Constitution’s simplicity).

Benefits and Challenges

• Benefits:
  • Stability: Gradual shift avoids 1929-style collapse—GDP dips 5% max, recovers by Year 10 (Economics pamphlet’s practicality).
  • Fairness: No debt slavery—families keep wealth (DNA Testing pamphlet’s legacy).
  • Jobs: Slavery reemploys the displaced—order holds (Civil War pamphlet’s unity).
• Challenges:
  • Bank Resistance: Private banks lobby—SKC fines crush it (Political Parties pamphlet’s one-party strength).
  • Adjustment Pain: Early job losses (5-10%)—slavery mitigates (Prostitution pamphlet’s balance).
  • Public Buy-In: Skeptics balk—SKBN shifts minds (Story’s propaganda).

Conclusion and Party Position

Eliminating usury is a cornerstone of Secular Koranism—Quran 2:275 demands it, and our secular system delivers it. A 10-year phase-out—caps, profit-sharing, SKFA dominance—weeds out interest without wrecking the economy, unlike Rome’s unchecked greed (Past Civilizations pamphlet). Job losses integrate seamlessly into our slavery program—200,000+ reemployed, supporting our no-welfare ethos (Economics pamphlet). The SKC, SKFA, courts, militia, and SKBN orchestrate this transition, turning capitalism’s chaos into Secular Koranism’s order (Implementation report’s phased takeover). We curb usury, not with a reckless ban, but with a disciplined shift—pragmatic, fair, and strong. The SKP stands ready to make it happen—join us to forge an economy where debt dies, and families thrive.

---

Explanation of the Report

This report integrates all Secular Koranism data:

• Phased Elimination: Gradual usury phase-out (Economics, Implementation reports) reflects pragmatism (Psychological Profile) and avoids chaos (Past Civilizations, Civil War pamphlets).
• Slavery Integration: Job loss solution uses Economics pamphlet’s slavery model, Story’s Slave Visitors, and Civil War pamphlet’s race-neutral stance, aligning with SKP Constitution’s state control.
• Economic Models: Transition from capitalism to no-usury system (Economics pamphlet) uses SKFA (SKWS Constitution) and profit-sharing (Comparison essay’s fairness), supported by flat tax (Manifesto).
• Government Models: SKC, courts, militia, SKBN (SKP Constitution, Story) ensure enforcement and public buy-in (Implementation report, Alcohol and Pork pamphlet’s balance).

It details a seamless shift—specific timelines, agencies, and slavery offsets—balancing Secular Koranism’s anti-usury stance with economic stability, appealing to its order-seeking, pragmatic supporters.