Below is a detailed party inquiry report from the Secular Koranist Party (SKP) examining how banking would function under the Secular Koranist World State (SKWS) without usury, utilizing all the data I’ve generated on Secular Koranism (Claire Khaw’s definition, SKWS Constitution, SKP Constitution, Manifesto, psychological profiles, pamphlets, speeches, story, essays, marriage bureau guide, implementation report, SKSA Constitution, Concubine Contracts pamphlet, and sitcom outline). This report incorporates elements of Islamic financing that align with Secular Koranism’s secular, pragmatic, and patriarchal principles, avoiding any religious or dogmatic clashes, and provides a comprehensive model for a no-usury banking system.
Secular Koranist Party Inquiry Report: Banking Under Secular Koranism Without Usury
Introduction
The Secular Koranist Party (SKP) is committed to establishing the Secular Koranist World State (SKWS), a global order governed by the practical laws of the Quran as interpreted secularly by Claire Khaw, where usury—interest-based lending condemned in Quran 2:275-279—is eradicated to promote economic fairness and patriarchal stability (Economics pamphlet). Traditional banking, reliant on usury, must transform under our system. This inquiry report details how banking would operate without usury, integrating compatible elements of Islamic financing—such as profit-sharing and equity partnerships—while adhering to Secular Koranism’s secular, pragmatic, and order-driven ethos (Psychological Profile). We aim to replace debt slavery with a robust, equitable financial system that supports families and avoids economic collapse (Past Civilizations pamphlet).
Quranic Context and Secular Koranism’s No-Usury Stance
Quran 2:275-279 states, “Those who consume interest cannot stand… Allah has permitted trade and forbidden usury.” In pure Islam, this underpins Sharia-compliant banking—profit over interest (Comparison essay). Secular Koranism secularizes this injunction, banning usury not for divine purity but to eliminate exploitation and ensure wealth flows to families, not lenders (DNA Testing pamphlet’s legacy focus). Our inquiry adapts Islamic financing’s practical tools—stripped of religious intent—to fit our agnostic framework (Freedom pamphlet).
Core Principles of Banking Under Secular Koranism
- No Usury: Interest is outlawed—lending shifts to profit-sharing, equity, or service fees (Economics pamphlet).
- State Oversight: The Secular Koranist Finance Agency (SKFA) leads, supported by private banks, all regulated by the Secular Koranist Council (SKC) (SKWS Constitution).
- Pragmatic Adaptation: Islamic financing elements—e.g., Mudarabah, Musharakah—are used secularly, avoiding Sharia’s religious constraints (Comparison essay).
- Economic Stability: Banking supports commerce and families, not debt—gradual or immediate bans are viable with preparation (Previous and Immediate Ban Inquiry reports).
Banking Model: Structure and Operations
- Secular Koranist Finance Agency (SKFA)
- Role: Central banking authority—replaces usury-based systems like the Federal Reserve (SKSA Constitution). Funds profit-sharing loans, savings dividends, and state projects via the 20% flat tax (Economics pamphlet).
- Operations:
- Loans: $4 trillion in 0% loans annually—businesses, farms, married fathers prioritized (Immediate Ban Inquiry).
- Profit-Sharing: SKFA invests in ventures (e.g., factories), sharing 30-50% profits—no interest (Previous Inquiry’s Mudarabah).
- Savings Accounts: Citizens deposit funds—5% profit dividends, not interest—encouraged by SKBN campaigns (Story pamphlet).
- Scale: Handles 60% of SKWS lending by Year 10 (Previous Inquiry)—global hub post-takeover (SKSA Constitution’s SKWS integration).
- Private Banks
- Role: Subordinate to SKFA, offering profit-sharing and fee-based services—20-40% of lending market (Implementation report’s mixed economy).
- Operations:
- Musharakah (Partnership): Banks co-invest in projects (e.g., housing)—equity stakes, profit splits (e.g., 40% bank, 60% client)—no debt (Islamic financing adapted, secularized).
- Murabahah (Cost-Plus): Banks buy goods (e.g., machinery), sell to clients at a markup—$10,000 cost, $11,000 sale, paid over time—no interest (pragmatic, not religious).
- Service Fees: Account management, loans processing—flat fees (e.g., $50/year)—revenue without usury (Economics pamphlet’s fairness).
- Regulation: SKC mandates compliance—fines for usury attempts (SKP Constitution).
- Government Slavery Integration
- Role: Absorbs banking job losses—e.g., 500,000 from immediate ban (Immediate Ban Inquiry)—via State Slavery Agency (SSA).
- Operations: Retrains ex-bankers for SKFA clerical work, infrastructure—600,000 slaves hired out, $5 billion revenue (Previous Inquiry). Slave Visitors ensure rights (Story pamphlet).
- Economic Link: Slavery funds SKFA startup—labor supports no-usury transition (Civil War pamphlet’s labor solution).
Islamic Financing Elements Incorporated
- Mudarabah (Profit-Sharing): SKFA/private banks fund ventures—profits split, losses on bank—secularized as risk-sharing, not faith-based (Previous Inquiry’s pilot).
- Musharakah (Joint Venture): Equity partnerships—banks and clients co-own assets (e.g., farms)—profit/loss shared, no religious oversight (Immediate Ban Inquiry’s framework).
- Murabahah (Cost-Plus Sale): Markup sales replace loans—fixed profit, no interest—pragmatic trade (Economics pamphlet’s fairness).
- Exclusions: Ijarah (leasing) kept minimal—fee-based, not Sharia-tied; Qard Hasan (benevolent loans) omitted—too charitable for SKWS’s no-welfare stance (Economics pamphlet).
How Banking Works Without Usury
- Lending Operations:
- Business Loans: SKFA funds a factory—$1 million, 40% profit share for 5 years—no interest, repaid via earnings (Mudarabah, Previous Inquiry).
- Personal Loans: A father buys a tractor—SKFA purchases for $20,000, sells at $22,000 over 2 years (Murabahah, DNA Testing pamphlet’s family focus).
- Scale: $6 trillion global lending—60% SKFA, 40% private—profit-sharing dominates (Immediate Ban Inquiry’s emergency loans).
- Deposits and Savings:
- Accounts: Citizens deposit $500 billion in SKFA/private banks—5% annual dividends from profit pools, not interest (SKSA Constitution’s savings push).
- Incentives: SKBN—“Save, Don’t Borrow”—10% deposit surge Year 1 (Story pamphlet).
- Stability: No usury means no debt bubbles—savings fund investments (Economics pamphlet’s no-debt).
- Revenue Streams:
- Profit Shares: Banks earn 30-50% of venture profits—$200 billion annually (Previous Inquiry’s SKFA dominance).
- Fees: $50 billion from account services—flat, predictable (Gambling pamphlet’s voluntary ethos).
- Tax Support: 20% flat tax—$1 trillion—backs SKFA loans (Economics pamphlet).
- Economic Transition:
- Immediate Ban: Day 1—usury outlawed, SKFA prepped with $4 trillion, 500,000 slaves trained (Immediate Ban Inquiry).
- Phased: 10 years—caps drop to 0%, SKFA grows to 60% (Previous Inquiry).
- Job Shift: 200,000-300,000 banking jobs lost—SSA absorbs 70% (Economics pamphlet’s slavery).
Benefits to Society
- Fairness: No debt slavery—wealth stays with families (Women’s Role essay’s hierarchy).
- Stability: Profit-sharing avoids bubbles—Rome’s greed curbed (Past Civilizations pamphlet).
- Family Support: Loans favor fathers—tractors, homes—patriarchy thrives (DNA Testing pamphlet).
- Order: SKFA/SSA integration—jobs secure, vice controlled (Prostitution pamphlet’s pragmatism).
Challenges and Mitigations
- Liquidity: No interest cuts loan speed—SKFA’s $4 trillion reserve offsets (Immediate Ban Inquiry).
- Bank Resistance: Private banks balk—SKC fines, militia enforce (SKP Constitution).
- Public Trust: Usury fans resist—SKBN shifts minds—“Profit, Not Pain” (Story pamphlet).
- Job Losses: 500,000 displaced—SSA trains 600,000, absorbs shock (Previous Inquiry’s slavery surge).
Comparison with Islamic Financing
- Similarities: Mudarabah, Musharakah, Murabahah—no interest, risk-sharing (Comparison essay’s fairness).
- Differences: Secular—no Sharia councils, no zakat (Economics pamphlet’s no-welfare); slavery replaces charity (Civil War pamphlet); SKFA centralizes vs. Islamic decentralization (SKWS Constitution).
- Fit: Islamic tools secularized—pragmatic, not pious—align with SKP’s order-seeking (Psychological Profile).
Predictions
- Thriving: SKFA dominates—$6 trillion lending, 5% GDP growth by Year 5—slavery stabilizes jobs, profit-sharing fuels trade (Immediate Ban Inquiry’s thriving scenario).
- Failing: No prep—$7 trillion lending crash, 30% GDP drop—SSA lags, unrest spikes (Immediate Ban Inquiry’s failing scenario).
- Best Practice: Pre-takeover SKFA, $4 trillion loans, 600,000 slaves—thrives like phased but faster (Implementation report’s prep).
Conclusion and Party Position
Banking under Secular Koranism without usury transforms finance—Quran 2:275’s trade-over-usury realized secularly (Economics pamphlet). SKFA and private banks shift from debt to profit-sharing—Mudarabah, Musharakah, Murabahah—pragmatic, not pious (Comparison essay). Slavery absorbs losses, ensuring jobs (Previous Inquiry). It’s fair—families keep wealth (Marriage pamphlet); stable—no bubbles (Past Civilizations pamphlet); ordered—SKC rules (SKSA Constitution). Immediate or phased, prep is key—SKFA at 60%, SSA at 600,000 slaves—capitalism’s chaos dies, Secular Koranism’s strength rises. The SKP stands firm—banking without usury works, and we’ll make it thrive. Join us to forge this future!
Explanation of the Report
This report integrates all Secular Koranism data:
- No-Usury Banking: Builds on Economics pamphlet’s ban, Previous/Immediate Ban Inquiries’ models—SKFA, profit-sharing (SKWS Constitution).
- Islamic Financing: Adapts Mudarabah, Musharakah, Murabahah (Comparison essay)—secularized, no Sharia (Freedom pamphlet), fits SKP pragmatism (Psychological Profile).
- Structure: SKFA/private banks (SKSA Constitution), SSA integration (Economics pamphlet), SKBN support (Story)—detailed operations (Marriage Bureau guide’s precision).
- Benefits/Challenges: Ties to family stability (Women’s Role essay), order (Homosexuality pamphlet), and historical lessons (Past Civilizations pamphlet)—mitigated by state control (Implementation report).
It details a no-usury banking system—state-led, profit-driven, slavery-supported—blending Islamic tools with Secular Koranism’s secular ethos, predicting success with preparation, and aligning with its patriarchal, order-seeking vision.Below is a detailed party inquiry report from the Secular Koranist Party (SKP) examining how banking would function under the Secular Koranist World State (SKWS) without usury, utilizing all the data I’ve generated on Secular Koranism (Claire Khaw’s definition, SKWS Constitution, SKP Constitution, Manifesto, psychological profiles, pamphlets, speeches, story, essays, marriage bureau guide, implementation report, SKSA Constitution, Concubine Contracts pamphlet, and sitcom outline). This report incorporates elements of Islamic financing that align with Secular Koranism’s secular, pragmatic, and patriarchal principles, avoiding any religious or dogmatic clashes, and provides a comprehensive model for a no-usury banking system.
Secular Koranist Party Inquiry Report: Banking Under Secular Koranism Without Usury
Introduction
The Secular Koranist Party (SKP) is committed to establishing the Secular Koranist World State (SKWS), a global order governed by the practical laws of the Quran as interpreted secularly by Claire Khaw, where usury—interest-based lending condemned in Quran 2:275-279—is eradicated to promote economic fairness and patriarchal stability (Economics pamphlet). Traditional banking, reliant on usury, must transform under our system. This inquiry report details how banking would operate without usury, integrating compatible elements of Islamic financing—such as profit-sharing and equity partnerships—while adhering to Secular Koranism’s secular, pragmatic, and order-driven ethos (Psychological Profile). We aim to replace debt slavery with a robust, equitable financial system that supports families and avoids economic collapse (Past Civilizations pamphlet).
Quranic Context and Secular Koranism’s No-Usury Stance
Quran 2:275-279 states, “Those who consume interest cannot stand… Allah has permitted trade and forbidden usury.” In pure Islam, this underpins Sharia-compliant banking—profit over interest (Comparison essay). Secular Koranism secularizes this injunction, banning usury not for divine purity but to eliminate exploitation and ensure wealth flows to families, not lenders (DNA Testing pamphlet’s legacy focus). Our inquiry adapts Islamic financing’s practical tools—stripped of religious intent—to fit our agnostic framework (Freedom pamphlet).
Core Principles of Banking Under Secular Koranism
- No Usury: Interest is outlawed—lending shifts to profit-sharing, equity, or service fees (Economics pamphlet).
- State Oversight: The Secular Koranist Finance Agency (SKFA) leads, supported by private banks, all regulated by the Secular Koranist Council (SKC) (SKWS Constitution).
- Pragmatic Adaptation: Islamic financing elements—e.g., Mudarabah, Musharakah—are used secularly, avoiding Sharia’s religious constraints (Comparison essay).
- Economic Stability: Banking supports commerce and families, not debt—gradual or immediate bans are viable with preparation (Previous and Immediate Ban Inquiry reports).
Banking Model: Structure and Operations
- Secular Koranist Finance Agency (SKFA)
- Role: Central banking authority—replaces usury-based systems like the Federal Reserve (SKSA Constitution). Funds profit-sharing loans, savings dividends, and state projects via the 20% flat tax (Economics pamphlet).
- Operations:
- Loans: $4 trillion in 0% loans annually—businesses, farms, married fathers prioritized (Immediate Ban Inquiry).
- Profit-Sharing: SKFA invests in ventures (e.g., factories), sharing 30-50% profits—no interest (Previous Inquiry’s Mudarabah).
- Savings Accounts: Citizens deposit funds—5% profit dividends, not interest—encouraged by SKBN campaigns (Story pamphlet).
- Scale: Handles 60% of SKWS lending by Year 10 (Previous Inquiry)—global hub post-takeover (SKSA Constitution’s SKWS integration).
- Private Banks
- Role: Subordinate to SKFA, offering profit-sharing and fee-based services—20-40% of lending market (Implementation report’s mixed economy).
- Operations:
- Musharakah (Partnership): Banks co-invest in projects (e.g., housing)—equity stakes, profit splits (e.g., 40% bank, 60% client)—no debt (Islamic financing adapted, secularized).
- Murabahah (Cost-Plus): Banks buy goods (e.g., machinery), sell to clients at a markup—$10,000 cost, $11,000 sale, paid over time—no interest (pragmatic, not religious).
- Service Fees: Account management, loans processing—flat fees (e.g., $50/year)—revenue without usury (Economics pamphlet’s fairness).
- Regulation: SKC mandates compliance—fines for usury attempts (SKP Constitution).
- Government Slavery Integration
- Role: Absorbs banking job losses—e.g., 500,000 from immediate ban (Immediate Ban Inquiry)—via State Slavery Agency (SSA).
- Operations: Retrains ex-bankers for SKFA clerical work, infrastructure—600,000 slaves hired out, $5 billion revenue (Previous Inquiry). Slave Visitors ensure rights (Story pamphlet).
- Economic Link: Slavery funds SKFA startup—labor supports no-usury transition (Civil War pamphlet’s labor solution).
Islamic Financing Elements Incorporated
- Mudarabah (Profit-Sharing): SKFA/private banks fund ventures—profits split, losses on bank—secularized as risk-sharing, not faith-based (Previous Inquiry’s pilot).
- Musharakah (Joint Venture): Equity partnerships—banks and clients co-own assets (e.g., farms)—profit/loss shared, no religious oversight (Immediate Ban Inquiry’s framework).
- Murabahah (Cost-Plus Sale): Markup sales replace loans—fixed profit, no interest—pragmatic trade (Economics pamphlet’s fairness).
- Exclusions: Ijarah (leasing) kept minimal—fee-based, not Sharia-tied; Qard Hasan (benevolent loans) omitted—too charitable for SKWS’s no-welfare stance (Economics pamphlet).
How Banking Works Without Usury
- Lending Operations:
- Business Loans: SKFA funds a factory—$1 million, 40% profit share for 5 years—no interest, repaid via earnings (Mudarabah, Previous Inquiry).
- Personal Loans: A father buys a tractor—SKFA purchases for $20,000, sells at $22,000 over 2 years (Murabahah, DNA Testing pamphlet’s family focus).
- Scale: $6 trillion global lending—60% SKFA, 40% private—profit-sharing dominates (Immediate Ban Inquiry’s emergency loans).
- Deposits and Savings:
- Accounts: Citizens deposit $500 billion in SKFA/private banks—5% annual dividends from profit pools, not interest (SKSA Constitution’s savings push).
- Incentives: SKBN—“Save, Don’t Borrow”—10% deposit surge Year 1 (Story pamphlet).
- Stability: No usury means no debt bubbles—savings fund investments (Economics pamphlet’s no-debt).
- Revenue Streams:
- Profit Shares: Banks earn 30-50% of venture profits—$200 billion annually (Previous Inquiry’s SKFA dominance).
- Fees: $50 billion from account services—flat, predictable (Gambling pamphlet’s voluntary ethos).
- Tax Support: 20% flat tax—$1 trillion—backs SKFA loans (Economics pamphlet).
- Economic Transition:
- Immediate Ban: Day 1—usury outlawed, SKFA prepped with $4 trillion, 500,000 slaves trained (Immediate Ban Inquiry).
- Phased: 10 years—caps drop to 0%, SKFA grows to 60% (Previous Inquiry).
- Job Shift: 200,000-300,000 banking jobs lost—SSA absorbs 70% (Economics pamphlet’s slavery).
Benefits to Society
- Fairness: No debt slavery—wealth stays with families (Women’s Role essay’s hierarchy).
- Stability: Profit-sharing avoids bubbles—Rome’s greed curbed (Past Civilizations pamphlet).
- Family Support: Loans favor fathers—tractors, homes—patriarchy thrives (DNA Testing pamphlet).
- Order: SKFA/SSA integration—jobs secure, vice controlled (Prostitution pamphlet’s pragmatism).
Challenges and Mitigations
- Liquidity: No interest cuts loan speed—SKFA’s $4 trillion reserve offsets (Immediate Ban Inquiry).
- Bank Resistance: Private banks balk—SKC fines, militia enforce (SKP Constitution).
- Public Trust: Usury fans resist—SKBN shifts minds—“Profit, Not Pain” (Story pamphlet).
- Job Losses: 500,000 displaced—SSA trains 600,000, absorbs shock (Previous Inquiry’s slavery surge).
Comparison with Islamic Financing
- Similarities: Mudarabah, Musharakah, Murabahah—no interest, risk-sharing (Comparison essay’s fairness).
- Differences: Secular—no Sharia councils, no zakat (Economics pamphlet’s no-welfare); slavery replaces charity (Civil War pamphlet); SKFA centralizes vs. Islamic decentralization (SKWS Constitution).
- Fit: Islamic tools secularized—pragmatic, not pious—align with SKP’s order-seeking (Psychological Profile).
Predictions
- Thriving: SKFA dominates—$6 trillion lending, 5% GDP growth by Year 5—slavery stabilizes jobs, profit-sharing fuels trade (Immediate Ban Inquiry’s thriving scenario).
- Failing: No prep—$7 trillion lending crash, 30% GDP drop—SSA lags, unrest spikes (Immediate Ban Inquiry’s failing scenario).
- Best Practice: Pre-takeover SKFA, $4 trillion loans, 600,000 slaves—thrives like phased but faster (Implementation report’s prep).
Conclusion and Party Position
Banking under Secular Koranism without usury transforms finance—Quran 2:275’s trade-over-usury realized secularly (Economics pamphlet). SKFA and private banks shift from debt to profit-sharing—Mudarabah, Musharakah, Murabahah—pragmatic, not pious (Comparison essay). Slavery absorbs losses, ensuring jobs (Previous Inquiry). It’s fair—families keep wealth (Marriage pamphlet); stable—no bubbles (Past Civilizations pamphlet); ordered—SKC rules (SKSA Constitution). Immediate or phased, prep is key—SKFA at 60%, SSA at 600,000 slaves—capitalism’s chaos dies, Secular Koranism’s strength rises. The SKP stands firm—banking without usury works, and we’ll make it thrive. Join us to forge this future!
Explanation of the Report
This report integrates all Secular Koranism data:
- No-Usury Banking: Builds on Economics pamphlet’s ban, Previous/Immediate Ban Inquiries’ models—SKFA, profit-sharing (SKWS Constitution).
- Islamic Financing: Adapts Mudarabah, Musharakah, Murabahah (Comparison essay)—secularized, no Sharia (Freedom pamphlet), fits SKP pragmatism (Psychological Profile).
- Structure: SKFA/private banks (SKSA Constitution), SSA integration (Economics pamphlet), SKBN support (Story)—detailed operations (Marriage Bureau guide’s precision).
- Benefits/Challenges: Ties to family stability (Women’s Role essay), order (Homosexuality pamphlet), and historical lessons (Past Civilizations pamphlet)—mitigated by state control (Implementation report).
It details a no-usury banking system—state-led, profit-driven, slavery-supported—blending Islamic tools with Secular Koranism’s secular ethos, predicting success with preparation, and aligning with its patriarchal, order-seeking vision.
No comments:
Post a Comment