Bugungi dunyomizda boylikni taqsimlashda, milliy miqyosda ham, global miqyosda ham, og'ir darajadagi haddan tashqari tengsizlik mavjud. Buyuk Britaniyada aholining taxminan 5 foizi boylikning 90 foiziga egalik qiladi. Global miqyosda esa dunyo zaxiralarining ko'p qismi sog'a "Uchinchi dunyo" deb ataladigan hududlarda bo'lsa-da, aynan shu hududlar eng qashshoq hisoblanadi. Yer kurrasining bir chekkasida bolalar ochlikdan o'lmoqda, boshqa bir chekkasida esa ortiqcha oziq-ovqat ishlab chiqarish natijasida sariyog' tog'lari va sut ko'llari hosil bo'lmoqda. Bunday og'ir tengsizliklar ro'parasida bizdan sog'liqni saqlash xizmatlari va oziq-ovqat yordami haqida og'ir yurak bilan qarorlar qabul qilish talab etilmoqda.

In our world today there is gross extremism in terms of wealth distribution, whether nationally or globally. In Britain 90% of the wealth is owned by about 5% of the population. Globally, though most of the world’s reserves are in the so-called ‘Third World’, these regions are the most poverty stricken. In one corner of the globe children die of hunger, whereas in another butter mountains and milk lakes are formed due to excess food production. It is in the face of such gross imbalances that we are asked to make heart-wrenching decisions about health services and food aid.

Dunyoning bir burchida hayotning ne'matlari mo'l-ko'l bo'lsa, boshqa bir burchida esa omon qolish uchun zarur bo'lgan asosiy ehtiyojlar ham yo'q.

In one corner of the globe luxuries of life are in abundance, and in another even the basic needs for survival are absent.

Islom bugungi dunyoda iqtisodiy muammo borasidagi qarashi bilan yakka o'zi turadi va bu dahshatli holatning ildiziga ta'sir qiladi. Kapitalizm va Kommunizmdan farqli o'laroq, u ishlab chiqarish vositalari bilan bosh qotirmaydi. Aksincha, u taqsimotni ta'minlaydi, nafaqat qanday turdagi boylik orttirilishi mumkinligini, balki uning qanday yo'llar bilan orttirilishini ham cheklash orqali.

Islam stands alone in the world of today in its vision of the economic problem, striking at the root of this terrible scenario. Unlike Capitalism and Communism it does not preoccupy itself with means of production. Rather it ensures distribution by not only limiting the type of wealth that can be acquired, but also the means by which it is acquired.

Shunday qilib, Islomda gaz va neft kabi tabiiy boyliklar xususiy mulk bo‘la olmaydi, va bugungi kunda ko‘p millatli kompaniyalar musulmon ummatining boyligiga o‘z huquqlarini da’vo qilayotgani shundan dalolat beradi. Payg‘ambar ﷺ shunday degan: “Odamlar uch narsada sherikdirlar: suvda, o‘tloqda va olovda.”

So in Islam natural utilities like gas and oil cannot be owned privately, as we see in a world today where multinational companies stake their rights on the wealth of Muslim Ummah. The Prophet (saw) said, “The human beings are partners in three things water, green pastures and fire.”.

Islomda bunday boylik jamiyat ehtiyojlarini qondirish uchun taqsim etilar edi, bu esa Xilofat fuqarolariga bizning bugungi dunyomizda tasavvur qilib bo‘lmaydigan xizmatlarni ko‘rsatish imkonini berar edi.

In Islam such wealth would be distributed to ensure that society’s needs can be met, enabling the Khilafah to provide for its citizens services that would seem unimaginable to us in today’s world.

Islom ostida har bir uyga o'zining ehtiyojlariga yetarli bo'ladigan yoqilg'i miqdori ajratiladi. Tasavvur qiling: elektr yoki gaz uchun to'lovlar yo'q, suv to'lovi haqida esa gap ham yo'q. Sog'liqni saqlash sohasidagi imkoniyatlar ham ulkan. Bugun biz ko'zi ojizlar uchun yo'lboshchi itlarni ta'minlaymiz. 'Umar ibn Abdul-Aziz davrida davlat har bir ko'zi ojiz shaxsni parvarish qilish uchun ikki kishini ish bilan ta'minlagan. Jamoat transporti ham davlat xizmati hisoblanadi, shuning uchun u ham bepul bo'lar edi.

Under Islam each house will be allocated a quota of fuel more than adequate for its needs. Imagine, no electricity or gas bills, let alone water rates. In terms of health care the potential too is incredible. Today we provide guide dogs for the blind. During the time of ‘Umar ibn Abdul- Aziz two men were employed by the State to care for each blind person. Public transport is also regarded as a State service, so this would also be free.

Islom boshqa adolatsiz yo'llar bilan boylik orttirishni ham taqiqlaydi, shu bilan birga boylikning adolatli taqsimlanishini ta'minlaydi. Islom foiz berishni ham, olishni ham taqiqlaydi. Natijada banklar qarzga muhtoj bo'lganlardan foiz undira olmas edi. Bugun shunday holat kuzatiladi: ipoteka kreditini to'lay oladigan ba'zi kishilar uy qiymatidan ikki baravardan ko'proq to'lab qo'yishadi. Bundan tashqari, ko'pchilik to'lovga qodir bo'lmay qoladi va uylari musodara qilinadi. Global miqyosda esa "Uchinchi dunyo" davlatlari Jahon banki va Xalqaro valyuta fondidan olgan kreditlarining foizini to'lay olmaydi va aholisini boqish imkoniyati ularning qo'lidan "musodara qilinadi".

Islam also prevents other unfair means of acquiring wealth, thereby ensuring distribution. Islam forbids the giving and taking of interest. Consequently banks would not be able to extract interest from those who are needy of loans. Today we find a situation where those who are able to pay off their mortgage sometimes find themselves paying more than twice the value of the house. Furthermore many fail and have their houses repossessed. On a global scale the ‘Third World’ is unable to pay the interest on loans from the World Bank and the IMF, and their ability to feed their populations is ‘repossessed.’.

Shunday qilib, Islomda bank ishi tubdan boshqacha tushuniladi. Banklar korxona emas, balki xizmatdir. Shu sababli har qanday foyda fuqarolar manfaati uchun qayta sarflanadi. Bugungi banklar kabi boshqa shaxslar yoki xalqlarni ekspluatatsiya qilish uchun banklarda hech qanday rag'bat yo'q. Shunday ekan, yana bir bor Afrika Xalifalik davrida bo'lgani kabi boshqa mamlakatlarni qo'llab-quvvatlay oladigan zamon kelishi mumkin.

Indeed in Islam the whole concept of banking is different. Banks are not companies but are services. So any profits are re-invested for the benefit of the citizens. There is no incentive for banks to exploit other individuals or nations in the way the banks of today do. So once again we may see a time when Africa is able to support other countries as it did during the Khilafah.

Xuddi shunday, banklar ommani talon qilolmaganidek, hukumat ham bugungi kabi tarzda ommani talon qila olmaydi. Chunki Islomda daromad solig'i, qo'shilgan qiymat solig'i, yo'l solig'i va boshqalar yo'q. Bular kishilarning to'lashga qodir-qodir emasligiga qaramasdan hammaga bir xil tarzda solinadi. Xilofatda esa soliqlarga faqat ularni to'lashga qurbi yetadigan kishilar tortiladi.

Just as banks would not be able to exploit the masses nor can the government do so in the manner it does today. For in Islam there is no income tax, Value Added Tax or road tax etc. These are all indiscriminate with regards to whether people are capable of paying them or not. In the Khilafah, only those who can afford to pay taxes are subject to them.