Njia za kuongeza utajiri ni jambo tofauti na kutoa mahitaji, kwani linahusu kuzalisha utajiri na si mahitaji ya binadamu, hivyo hutofautiana kutoka nchi moja hadi nyingine. Katika nchi za Kiislamu, jambo hili hushughulikiwa hasa kwa kutafuta njia za kuboresha bidhaa za kilimo, kuanzisha mapinduzi ya viwanda, ili viwanda viwe njia kuu inayotumika katika maendeleo na ukuaji wa uchumi, na kuongeza tija ya biashara. Mbinu hii inaweza kugawanywa katika sehemu nne:

The ways of increasing the wealth are a separate issue from providing the needs, as it deals with generating the wealth and not with the human needs, so it differs from one country to another. In Muslim countries, it is approached and dealt with chiefly by finding ways in which to improve the agricultural products, to launch an industrial revolution, so that industry becomes the main method used in economic development and growth, ant to increase commercial productivity. This approach may be divided into four sections :

Sera ya kilimo.

The agricultural policy.

Sera ya viwanda.

The industrial policy.

Ufadhili wa miradi.

The financing of projects.

Kuunda soko la nje.

Creating an external market.

Hii inategemea kuongeza mavuno na aina mbalimbali za mazao ya shambani, na kwa kawaida hufuata njia mbili: a) kutafuta njia za kuongeza tija ya ardhi, na b) kupanua ardhi ya kilimo kama njia ya upanuzi.

This is based on increasing the yield and variety of farm produce, and usually follows two methods : a) finding means of increasing productivity of the land, and b) increasing the farming lands as a method of expansion.

Hizi hufanyika kwa kutumia mashine za kisasa na zilizoendelea, kemikali, na kwa kutoa mbegu za ubora wa juu. Serikali inapaswa kutoa ruzuku (badala ya mikopo) kwa wakulima wasioweza kununua mashine, mbegu na kemikali wanazohitaji, na pia inapaswa kuwahimiza wale wanaoweza kununua vifaa hivyo.

These take place by using modern and sophisticated machinery, chemicals and by providing high quality seed. The State should provide grants (as opposed to loans) to the farmers who are unable to buy what they need in terms of machines, seed and chemicals, and it should also encourage those who are able, to buy such materials.

Upanuzi hufanyika kwa kuhimiza ufufuaji wa ardhi isiyolimwa na kuilima. Dola inapaswa kutoa ardhi za kimwinyi ambazo zinatumiwa vibaya au kuachwa bila kutumika, kwa wakulima wenye uwezo wa kufanya kazi lakini wasio na ardhi au walio na ardhi kidogo, na kutoka katika ardhi iliyo chini ya udhibiti wake. Yeyote atakayepuuza ardhi yake kwa miaka mitatu mfululizo atalazimika kuikabidhi kwa Dola, nayo itawagawia watu watakaoitumia. Imam Abu Yusuf amesimulia kwamba: “Muhammad bin Ishaque ameniambia kwamba ‘Umar bin al-Khattab alisema akiwahutubia watu juu ya minbari: ‘Atakayepokea ardhi iliyokufa, itakuwa yake, na atakayejenga ukuta wa mpaka, hatakuwa na haki juu yake baada ya miaka mitatu.’ Hii ilikuwa kwa sababu watu walikuwa wakizungushia ukuta ardhi ambayo hawakuilima.” (Kitab al-Kharaj).

The expansion takes place by encouraging the revival of barren land and cultivating it. The State should grant feudal lands which are improperly used or left unused, to farmers who are able to work but have no land or little land, and from lands that are under its control. Anyone neglecting his land for three consecutive years would be forced to give it up to the State, which would allocate it to people who would make use of it. Imam Abu Yusuf narrated that : “Muhammad ibn Ishaque related to me that ‘Umar ibn al-Khattab said addressing the people on the pulpit : ‘Whoever receives a dead land, (it) would belong to him and whoever constructs a boundary wall, has no right over it after three years. This was because the people used to enclose land which they did not cultivate.’” (Kitab al-Kharaj).

Kwa kufuata mbinu hizi mbili, ongezeko la mazao ya shambani lingepatikana, na lengo la sera ya kilimo lingetimizwa.

Lengo kuu la sera ya viwanda ni kuifanya nchi kuwa ya kiviwanda. Njia ya moja kwa moja ya kufikia lengo hilo ni, kwanza kabisa, kutengeneza mashine; baada ya hapo ndipo viwanda vingine vinaweza kuanzishwa. Kipaumbele kitapewa kujenga viwanda vya kutengeneza mashine. Hakuna njia nyingine ya kuigeuza nchi kuwa nguvu ya kiviwanda. Ni baada ya hapo tu ndipo viwanda vinavyotegemea mashine zinazozalishwa (yaani zinazotengenezwa) ndani ya nchi vinaweza kuanzishwa.

The main aim of the industrial policy is to make the country an industrial one. The direct route towards achieving such an aim is to first of all manufacture the machines; then other industries can be introduced. The priority would be given to build factories to manufacture machines. There is no other way to turn the country into an industrial force. Only then can industries which rely on the machines produced (i.e. manufactured) locally, be established.

Kudai kwamba utengenezaji wa mashine huchukua muda mrefu na kwamba tunapaswa kuanza kwa kuanzisha viwanda vyepesi, ni madai yasiyo na msingi na ni mwaliko wa maangamizi; ni mpango uliopangwa na Magharibi ili kuzuia mpango mkuu wa ulimwengu wa Kiislamu, na kuuweka ukijikita katika viwanda vya bidhaa za matumizi na kuufanya soko la viwanda vya Magharibi.

To claim that the manufacturing of machines takes a long time and that we should begin by introducing the light industries, is baseless and a recipe for disaster; it is a plan schemed by the West to impede the main initiative of the Islamic world, and to keep it concentrating on consumer goods industries and as a market for Western industries.

Ni makosa pia kuamini kwamba mradi huu hauwezekani kwa sababu unahitaji wataalamu wa viwanda ambao hawapatikani. Kwanza, nchi za Kiislamu zina ziada kubwa ya wafanyakazi waliofunzwa na wenye sifa ambao hawana ajira kutokana na kukosekana kwa teknolojia na viwanda katika nchi zao wenyewe. Watu hawa wangetumiwa na Dola ya Kiislamu kushiriki katika mchakato wa uendelezaji wa viwanda. Zaidi ya hayo, nchi zilizoendelea kiviwanda zina ziada ya wenye viwanda, wahandisi na mafundi ambao wanaweza kuajiriwa wakati vijana wa Kiislamu wanapofunzwa kupata maarifa kama hayo.

It is also wrong to believe that this venture is unfeasible because it requires industrial personnel which are not available. Firstly, Muslim countries have a large surplus of trained and qualified personnel who have no jobs due to unavailability of technology and industry in their own countries. These people would be used by the Islamic State for participation in the industrialisation process. Additionally, industrialised countries have a surplus of industrialists, engineers and technicians who can be contracted while the Muslim youth are trained to acquire such knowledge.

Sera ya kiuchumi katika Uislamu bila shaka imeamua miradi ambayo Dola inapaswa kuichukua, na ile ambayo watu binafsi wanapaswa kuichukua. Sera ya kilimo huangukia katika sekta binafsi, na hakuna nafasi ya sekta ya umma katika eneo hili, isipokuwa katika kuwapa wakulima ruzuku na kufadhili miradi ya ujenzi na maendeleo, kama vile mabwawa, mifereji na njia za maji.

The economic policy in Islam has undoubtedly determined the projects which the State should adopt, and those which the individuals should adopt. The agricultural policy falls into the private sector, and there is no place for the public sector in this area, except in offering farmers grants and financing building projects and developments, like dams, canals and channels.

Sera ya viwanda pia iko wazi kwa sekta binafsi, isipokuwa pale ambapo viwanda vinahusiana na rasilimali zilizo chini ya umiliki wa umma, kama mafuta, madini ya msingi n.k. Viwanda vya aina hiyo lazima viwe chini ya sekta ya umma (yaani inayoendeshwa na serikali). Bila shaka, miradi hii, iwe ya umma au ya binafsi, inahitaji ufadhili.

The industrial policy is open to the private sector as well, except where the industries are linked to resources that fall under the public ownership, like oils, basic minerals etc. Such industries must fall under the public (i.e. state run) sector. Naturally, these projects, whether public or private, require financing.

Kwa upande wa sekta binafsi, ni juu ya mtu binafsi, kampuni au washirika kufadhili miradi yao kwa njia yoyote wanayoona inafaa kwa njia halali (yaani kwa yale ambayo Shari‘ah inaruhusu).

As far as the private sector is concerned, it is up to the individual, the company or the partners to finance their projects in any way they deem fit by legal means (i.e. by what the Shari‘ah permits).

Kuhusu sekta ya umma, haipaswi kutegemea mikopo ya nje kufadhili miradi yake, kwani hilo husababisha kuongezeka kwa ushawishi wa kigeni, na pia kuongezeka kwa umaskini, ambao ndio matokeo yanayoonekana sasa katika nchi za Ulimwengu wa Tatu, ambazo uchumi wake umedhoofishwa na mikopo kama hiyo. Zaidi ya hayo, mikopo kama hiyo kwa ujumla huambatana na riba, ambayo imeharamishwa katika Uislamu. Kwa hiyo, Dola inapaswa kufadhili miradi yake yenyewe, hata kwa kuweka kodi kwa wale wenye uwezo, ili kupata fedha za kutosha kuanzisha mapinduzi ya viwanda. Hukumu ya Kiislamu kuhusu miradi ya kodi inapaswa kutumika iwapo hatua kama hizo zitachukuliwa, ili watu maskini wasitozwe kodi hiyo.

As for the public sector, it should not resort to overseas loans to finance its projects, for this leads to increasing foreign influence, and also to increasing poverty, which is the result currently seen in Third World countries, whose economies are crippled by such loans. Besides, such loans are generally subject to interest, which is forbidden in Islam. Therefore, the State should finance its own projects even by imposing taxes upon those who can afford it, in order to raise sufficient funds to launch the industrial revolution. The Islamic verdict on taxation projects should apply if such measures were to be taken, such that poor people would not be subject to the taxation.

Kuuza bidhaa ni moja ya mambo makuu yanayozalisha utajiri. Nchi nyingi, za zamani na za sasa, zimejitahidi sana katika kutafuta masoko ya bidhaa zao na mazao yao. Himaya nyingi za kiuchumi zimeanzishwa juu ya msingi kama huo. Kwa hiyo ni jambo la lazima kwa Dola ya Kiislamu kuuza bidhaa na mazao yake. Hata hivyo, hili lisiwe lengo lenyewe, bali liwe njia ya kusaidia kununua bidhaa zinazohitajika kwa mapinduzi ya viwanda, kupata fedha ngumu za kigeni, au kuwapeleka vijana wa Kiislamu kupata elimu inayohitajika, kama vile uhandisi wa ujenzi, tiba na nyinginezo.

Marketing goods is one of the major factors that generate wealth. Many countries have taken great care, past and present in finding markets for their goods and products. Many economic empires have been established on such a basis. It is essential therefore for the Islamic State to market its goods and products. However, this should not be an aim but a means to helping the purchase of goods necessary for the industrial revolution, to acquire hard currency or to send the Muslim youth to acquire the necessary education such as civil engineering, medicine etc.

Kwa msingi huo, sera ya kuanzisha masoko ya nje inapaswa kufuatwa, yaani kwa msingi wa kibiashara na viwanda. Umakini haupaswi kuelekezwa kwenye mizani ya biashara na nchi mbalimbali. Haina umuhimu kwa mauzo yetu ya nje kuwa pungufu, kuzidi au sawa na uagizaji wetu kutoka nje, mradi malengo ya Mfumo wa Kiuchumi, sera ya mambo ya nje na mazingatio mengine ya lazima ya Dola yanafikiwa, kwa kuwa ni ya kibiashara na viwanda kwa wakati mmoja, iwe mizani ya biashara iwe kwa faida yetu au la. Hata hivyo, inapaswa kutambuliwa kwamba msingi unaofuatwa na Dola ya Kiislamu katika biashara yake ni tofauti na msingi wowote mwingine duniani. Nchi nyingine zote hushughulika kwa msingi wa bidhaa zinakotoka, na si mfanyabiashara anakotoka. Dola inaweka msingi wa biashara yake juu ya asili ya mfanyabiashara, si juu ya asili ya bidhaa zilizotengenezwa au kuzalishwa. Jambo hili lazima lizingatiwe wakati wa kuanzisha mahusiano ya kibiashara. Kwa njia hii, Dola ya Kiislamu haitashiriki, kwa mfano, katika biashara yoyote na nchi zenye uhasama nayo, au zilizo vitani nayo. Wafanyabiashara wa Dola ni raia wake, nao hushughulika na wengine kwa msingi wa biashara huria katika bidhaa zilizo halali kwa mujibu wa Shari‘ah; ilhali wafanyabiashara wengine hufanya biashara kwa mujibu wa sera ya mambo ya nje ya nchi zao.

On this basis, the policy of establishing foreign markets should be pursued, i.e. on a commercial and industrial basis. Attention should not be focused on the trade balance with the different countries. It is insignificant for our exports to be less, more or equal to our imports, as long as the objectives of the Economic System, the foreign policy and other obligatory considerations of the State are achieved, by being commercial and industrial at the same time, whether the trade balance were to our advantage or not. However, it should be noted that the basis followed by the Islamic State in its trading is different from any other in the world. All other countries deal on the basis of where the goods originate from and not where the businessman comes from. The State bases its trading on the traders origin, not on the origin of the manufactured or produced goods. This should be taken into consideration while establishing trading relations. In this way, the Islamic State will not for example, be involved in any trade with countries who are hostile to it, or at war with it.The businessmen of the State are its citizens, and they deal with others on the basis of free trade on goods that are legal according to the Shari‘ah; whereas other businessmen trade according to the foreign policy of their country.