French elections; a rare political scene worthy of attention!  

*Samer Majzoub

The “risky political move”
Following the gains made by the so-called French far right, led by Marine Le Pen, in the European Parliament elections, French President Emmanuel Macron pulled off a stunning political surprise by calling for early parliamentary elections. Many criticized the French president’s call for parliamentary elections and the dissolution of the National Assembly, which has 577 seats. This was especially true given the strong opinion polls that predicted a landslide victory for Marine Le Pen’s National Rally (RN).

First round outcomes causing a fear “flood”
The first round of voting produced a historic victory for the “extreme” far-right movement, which unleashed a wave of “fear” and acute anxiety that engulfed the political and media landscapes of France and Europe in particular, as well as the entire world. Columnists occupied themselves with analyzing the extent to which Marine Le Pen and her supporters in the National Rally (RN) could lead France and the implications this would have both locally and for the future of Western Europe in general. Most of these political commentators predicted bleak political futures, which would be particularly apparent in France, a country that has long grappled with social and economic problems.

Following the first round’s outcomes; an uncommon political environment and the potency of civil society
A surprisingly unique political situation began to take shape as the first round election results were announced and the anticipation of a political “earthquake” intensified. A number of political groups, including some that are fundamentally at odds with each other politically and ideologically, have called for concerted efforts and strategic electoral coalitions with the aim of preventing National Rally (RN) from winning enough seats in parliament to create a new government. In electoral districts where there is intense competition from far-right candidates, over 210 candidates from different political parties and currents withdrew. This was done to prevent the NR candidates from winning seats in the National Assembly through the split of votes.

In a dramatic manner seldom seen in political theater, this new development of the unexpected political alliances turned the equation upside down. Political parties being willing to drop their candidates in order to form an alliance is not a custom in the public sphere. Furthermore, something else that stood out in this context was the candidates’ willingness to step down in favor of others from different political backgrounds, which is difficult given that some may have wanted to be in the forefront for a variety of reasons.

For its part, the civil society quickly and uniquely mobilized the voters through a popular movement and mass mobilization, calling on the French people to vote and defend the “values of the Republic” against what they described as “extremism.”

The election results from the second round were favourable
Even the most astute and knowledgeable political analysts were taken aback by the results of the second round of elections, which saw the left-wing NFP alliance emerge as the largest force in the French parliament without securing the parliamentary majority necessary to form a government on its own. The far-right fared poorly in the election. Instead, in the second round, the RN dropped from first place to third place just one week ago. The fact that President Emmanuel Macron’s centrist alliance, often referred to as the “center-right,” came in second place despite predictions of a significant defeat also attracted a lot of attention.

The “populist” policies and the new political environment;
The visibility of policies labeled as “populist” in the public domain is nothing new in French political discourse. Even though they may be more “aggressive” in general, the extreme far right is not the only group following this trend. Long-standing populist and Islamophobic policies have been visible in the political sphere, justifying discrimination against large segments of French society, particularly women, under a variety of pretexts.

A new picture has been drawn that will take some time to shape new policies, if any, with the “political mixture” that was produced by the election results: the Center-right, the Gaullists, the Leftist Alliance with all of its trends, and others.

What comes next

The unexpected election results will undoubtedly have an impact beyond national boundaries, even in terms of morality. In Quebec, for instance, some people may have been “hopping” on Le Pen’s win because they believed it would influence the political and social climate in the province.

Moreover, the French elections coincide with the Conservative Party’s recent crushing defeat in Britain, exacerbating the unfavourable perception of the Conservative brand in the West for the time being.
Furthermore, due to the fact that no political party was able to secure a comfortable majority, coalitions between parties that differ politically, intellectually, and economically are necessary for government. France will experience a temporary political crisis as a result of this.

نظرة سريعة على الرهون العقارية الاسلامية !

نظرة سريعة على الرهون العقارية الاسلامية !

◦ الرهن العقاري الذي يتماشى مع اصول البيوع حسب الشريعة الاسلامية هو بديل للرهون العقارية التقليدية في السوق، وقد تم إنشاؤه لتمكين العملاء المسلمين من شراء العقارات باستخدام منتجات التمويل المتوافقة مع الإيمان.
والفرق الأكثر أهمية هو أن القرض ليس ديناً مع الرهن العقاري الإسلامي. وبدلا من ذلك، فهي شراكة بين المقترض والمقرض، وتقاسم أرباح أو خسائر الممتلكات.
وهي تختلف عن قروض الإسكان التقليدية من حيث أنك لا تدفع فائدة لأن هذا محرم بموجب الشريعة الإسلامية.

◦ المبادئ المتعلقة بالرهون الاسلامية
المبادئ الأربعة الرئيسية للتمويل الإسلامي التي تنطبق على الرهون العقارية الإسلامية هي:
الربا
يشير الربا إلى الربا أو الفائدة وهو محظور تمامًا على المسلمين وفقًا لما تمليه الشريعة الإسلامية. لا تحتوي الرهون العقارية الإسلامية على أي عناصر لدفع الفائدة.
الإجارة
يشبه رهن الإجارة نظام الإيجار بهدف التملك. يقوم الممول بشراء العقار بالكامل ويؤجره لك لمدة محددة. خلال هذه المدة، تقوم بسداد دفعات ثابتة ومنتظمة، وهي عبارة عن مزيج من الإيجار وسداد رأس المال والربح للممول. وفي نهاية الاتفاقية تنتقل الملكية إليك. 
المشاركة
تشير المشاركة إلى الشراكات المشتركة حيث يمكنك اتخاذ قرار مع البنك لامتلاك أسهم منفصلة في العقار. ومع تسديد المزيد والمزيد من الدفعات الشهرية، تنخفض الحصة المملوكة للبنك حتى يمتلك صاحب المنزل العقار بالكامل.
المرابحة
المرابحة هي عندما يشتري البنك العقار بالكامل ويبيعه لك بسعر أعلى. يتم سداد السعر الأعلى على أقساط ويعني أن البنك يمكنه استرداد تكاليفه، ولا يتعين على صاحب المنزل دفع فائدة على قرض الرهن العقاري.

سامر مجذوب

*مصادر متعددة

A quick view on Islamic Mortgage!

Islamic mortgages are alternatives to standard mortgages on the market and were created to enable Muslim customers to buy real estate using faith based compliant finance products.
The most significant difference is that the loan is not a debt with Islamic Mortgage. Instead, it is a partnership between the borrower and the lender, sharing the profits or losses of the property.
They differ from traditional home loans in that you don’t pay interest as this is forbidden under Sharia law.

PRINCIPLES RELATING TO ISLAMIC MORTGAGES
The four main Islamic finance principles that apply to Islamic mortgages are:
RIBA
Riba refers to usury or interest and is strictly prohibited for Muslims as dictated by Sharia law. Islamic mortgages do not have any interest payment elements.
IJARA
An Ijara mortgage is similar to a rent-to-own scheme. The financier buys the property outright and rents it to you for a fixed term. Over this term you make regular steady payments, which are a combination of rent, repayment of capital, and profit for the financier. At the end of the agreement, ownership is transferred to you. 
MUSHARAKAH
Musharaka refers to joint partnerships where you can make a decision with the bank to own separate shares in the property. As more and more monthly payments are made, thus the share owned by the bank is reduced until the homeowner owns the property outright.
MURABAHA
Murabaha is when the bank buys the whole of the property and sells it back to you for a higher price. The higher price is repaid in instalments and means that the bank can recover its costs, and the homeowner does not have to pay interest on the mortgage loan.

*various sources

Islamic #mortgage #traditional #interest #faith #financial #produts

Facing Challenges !

In the context of facing challenges, there may be multiple ways, methods and strategies of action, each with its own style. Be careful not to fall into sterile dialectical mazes in which the compass of focus will be lost and energy will be diverted to the wrong place. The road is still long and thorny, and the opponents only care about making those who hold the truth fail. The truth is one and the paths to it are many !

Samer

السياسة ؛ بدايةً، من نافل القول انها لا يجب ان تُترك لأصحاب المصالح و الخصوم و اشرارهم


السياسة هي فن الممكن في ظرف المكان و الزمان و ضمن الامكانيات المتاحة
يقينا انه في كثير من الاحيان في حقل السياسة لا يوجد ابيض و اسود. اللون الرمادي له تواجد في مساحات واسعة من العمل السياسي العام . لا مثالية في عالم متشابك المصالح و الاهداف و الأيديولوجيات . انما هو واقع تتعامل معه حسب مقتضياته
بناء شبكة العلاقات العامة و مفهوم التواصل و ادارة التحدّيات كلها تأتي ضمن مسلّمات تحقيق الاهداف في العمل السياسي
اضف الى ذلك ،حنكة السير بين التناقضات و إنشاء تحالفات بين “الاصدقاء ” و منها مع بعض الاطراف التي ليس بالضرورة ترتبط بنفس المبادىء و القيم . انما قد ترتبط مع نفس الاهداف و ان كانت مرحلية. لا بل قد هناك الاضطرار للتعامل مع بعض “الخصوم ” لدفع ضرر اكبر و اكثر خطورة
لا بد من الاشارة ان تحقيق الاهداف في الحقل العام لا تأتي دفعة واحدة. و المصالح منها مرحلي و منها يأتي على دفعات . و من المصالح من هي للضرورة او في نطاق ضيق و منها عامة . و توضيح الأوليات هو من اعمدة التخطيط الاستراتيجي للغوص في بحار السياسة
من اكثر عوامل النجاح في تحقيق انجازات في حقل السياسي هي الاستمرارية و التطور الفكري و “النفس الطويلة” و الحفاظ على العلاقات و تطويرها و تراكمات الخبرات و عدم التراجع تحت الظروف القاسية
السياسة ليست شر مطلق و ليست خير مطلق بطبيعة الحال. انما هي تأخذ لون حسب من يتصدى لها و يخوض في غمارها و مصاعبها
لا بد من التشديد انه بالضرورة فشل المجتمعات و خسارة القضايا الكبرى من اسبابها الاساسية تجنب الكثيرين من اصحاب “الحق و النفوس الصادقة” الانضمام الى الطبقة السياسية مما يجعلها في ايدي ممن ليس لهم غيرة الا على مصالحهم و مصالح مشغليهم و نزوات النفوس

سيدنا عيسى عليه السلام نبي الله و رسول السلام ، مصلحً، متحدياً، مضحياً

اصلاحا للبشرية . أتى لكي يكمل رسالة الأنبياء من قبله و اخراجا من عبادة العباد الى عبادة رب العباد . و كان بشرى للبشرية جمعاء .”إذ قالت الملائكة يا مريمُ إنّ الله يبشّرُكِ بكلمةٍ منه إسمه المسيح عيسى إبن مريم وجيهاً في الدنيا والآخرة ومن المُقرّبين

والدته مريم البتول من خير نساء الدنيا قاطبة . ﴿وَاِذْ قَالَتِ الْـمَلٰٓائِكَةُ يٰمَرْيَمُ اِنَّ اللهَ اصْطَفٰكِ وَطَهَّرَكِ وَاصْطَفٰكِ عَلَى نِسَاءِ الْعٰلَمِينَ * يٰمَرْيَمُ اقْنُتِي لِرَبِّكِ وَاسْجُدِي وَارْكَعِي مَعَ الرّاكعين”

وقد أيّده الله تعالى بالمعجزات العظيمة ومنها أنّه كان يخلق من الطّين كهيئة الطّير فينفخ فيها فتكون طيرًا بإذن الله وكان كذلك يبرئ الأكمة والأبرص ويحيي الموتى بإذن الله وينبّىء النّاس بما يدّخرون في بيوتهم

مواجها متحديا الفساد و الطغيان فهو واجه الطغمة الحاكمة انذاك . بالرغم من ان رسالته كانت السلام ، الا ان هذا لم يقنع من خافوا من رسالته ان خططوا لقتله

لم يمنعه هذا من مواصلة الرسالة و لو ادى الامر ان يُقتل . فلم بتراجع او يتهاون

هذه سَنَن حاملي الرسائل ان يتحملوا الاذى و المكابدة لما فيه خير الانسان

سامر مجذوب

*photo source ; online .

Islamophobia, a “scheme project”; women are one of its main targets!

It is no longer secret that the industry of Islamophobia is an “integrated project” that sets several targets; including degrading values, principles, sanctities, and identities. It builds its strategies on multiple aspects, political, economic, and societal, “enacting laws” and even security ones in some areas and in certain circumstances. The “manufacturers” of the Islamophobia industry seek to obliterate, subjugate and weaken societies and civilizations that have a pivotal role in human development for over one thousand and four hundred years.

“The owners” of these hate-based projects seek to divide society and “create” a state of tension between its components and stir up fear among its segments; believing that it may let them win more electoral votes that may lead to their formation of governments that implement ideological supranational policies.

The variety of methods that the “makers” of Islamophobia follow is not a matter of their lack of consensus over the end goal, but, is a difference of visions about the most appropriate way to reach the declared goals and the unannounced ones.

In the midst of their many “intends”, women come as a primary and a pivotal target for the various perpetrators of Islamophobia . Women besides sharing life with man since the creation of Adam and Eve, she has an influential and a deep role in human civilization, especially the Eastern ones. She is “architect” and guider of the societies. In addition to the universal role of women as educators of youth generations throughout history until the present days, she is political leader and thinker, she is researcher and entrepreneur, she is teacher and producer in all fields, and she is decision-maker.

The fact that women are among the most prominent victims of Islamophobia and discrimination is not an arbitrary matter, but, an intentional and unambiguous act of the civilizational dimension. Targeting women is nothing new under two different headings; Including what Europe witnessed in the Middle Ages in terms of targeting women under the name of religion. And then, in what is known as the Renaissance era, a new targeting campaign against women was launched under the name “Modernity and Enlightenment”. In the current periods, women have been targeted, intimidated, and there have been attempts to destabilize their entity by violating their freedom and choices, depriving them of their most basic rights through unfair “text laws”, denying them work opportunities, violent attacks, and endless smear campaigns of their convictions and beliefs.

Some may think that the whole concept of Islamophobia hate form results from a “religious” or an ethnic war. Although some extreme right-wing and populist currents have intellectual dimensions, this conclusion contradicts the reality of the countless facts and evidence. The proponents of Islamophobia are present in the East and in the West, speaking different languages. The victims of Islamophobia, women being the center of sufferers, have no geographical boundaries.

On the other hand, those who confront Islamophobia are of multiple races and “faiths”. In this respect, our experiences in Canada are the best evidence that those who believes in human values ​​and principles and defend women’s rights, regardless of their backgrounds, are hand in hand on one front that confronts hatred and discrimination.

 The fight against Islamophobia and racism comes as one of the most important moral duties for each of us, regardless of the size of effects and influence we may have in our societal environment. The very serious dimensions of hatred, targeting women, and discrimination require thoughtful collective action to combat these destructive phenomena .

*Samer Majzoub

*photo; Facebook images

Leadership; role mode, inspiration & human development…  

Leadership; role mode, inspiration & human development…  

Role model

One major concept of successful leadership is the notion of role model. Elements of role model circulate around; A) ability to inspire, B) passion, C) commitment to the wellbeing of community & society at large, D) Selflessness, E) team work and acceptance of others, F) Ability to overcome obstacles. E) Continuity and never give up spirit.

A role model is other-focused as opposed to self-focused. Role models are usually active in their societies, freely giving of their time and talents to benefit people, ability to recruit and very well public relation skilled.

Inspiration & human development

Inspiration in leadership is a key factor of keeping the vitals running in any project, successful work, or volunteering movement. Making people feeling important and appreciated, letting your team feels the sense of ownership over their projects, and giving space of free thinking and creativeness of implementation of work plans. All together plays the base in developing your team to be better performance level and more confidence in their creativity talents.

Various methods of management

There are many leadership styles that are considered as the main lines of “management” methods that may be pursued as proper titles of leadership approaches. Of the known leadership styles are;

  • Autocratic (Coercive Management Style).
  • Participative Management Style.
  • Delegative Management Style.
  • Persuasive Management Style.

Customized leadership style

It is important to recognize and understand different leadership styles including the circumstances and conditions in which they are mostly effective. However, one is unlikely to be a successful team leader simply by imitating already existing leadership styles. Leadership is not limited to providing a certain response in a certain situation. It’s about using your natural leadership strengths, talents and skills in an authentic manner to inspire and motivate others.

Along the way in both the career life and the activism one, although, each is based on a different territory, however, they both, career and activism, requires competent management, decision making, team spirit, outreach, work under pressure of time and the objectives of successful end-results. Throughout the years and the experiences exercised, one may adapt different “management” styles and sometimes combination of two or more of managing techniques depending on the project, available resources, timeframe, working condition, and expected outcome.

Choosing from the many administration methods, the participative leadership and delegative leadership styles both serves the purpose of true meaning leadership, human development by elevating self-esteem and set free of talented skills.  Also known as “laissez-faire leadership”, a delegative leadership style focuses on delegating initiatives to team members. This can be a successful strategy if team members are competent, dedicated, faithful, & committed.  

Although both the participative and the delegative leadership approaches have significant advantages, still, they both have their own challenges and difficulties; It can be very time-consuming in reaching to consensus. Also, in some cases, disagreement among members may lead to weakness of performance, splitting of efforts, and eventually to difficulty in achieving the original goals.

The principle remains to involve team members in the decision making process. Team members consequently feel included, engaged, implicated and motivated to contribute. Moreover, choice of the right leadership leads to the construction of strong team and build a crew that can develop ideas and actions plans, and enhance a positive work environment.

Article: «Personne n’a à choisir ce qui nous émancipe»

سامر مجذوب* – مونتريال
 يأتي كعنوان صارخ لحملة من قبل نساء و فتيات فرنسيات، اصبح لها صدىً عالمياً،   لما تتعرض له حريتهم الشخصية من انتهاكات و إهانات نتيجة سياسات حكومة ماكرون

https://www.sadaalmashrek.ca/ar/Political-analysis/content/4a3dc316-1b39-47a9-ae6b-9b04e94d9bbd?fbclid=IwAR2PyHXCgdknzQpXB6dTDWEI8amyfzypC4iPpUTrEjNy4N1LTvevy-yuNtA

Quebec; Anti-racism between reality and hope!

*Samer Majzoub
Those who follow the developments around the subject of racism in Quebec note the confusion of decision-maker in how to deal with this phenomenon that worries many parts of the diverse Quebec society.

Quebec’s stakeholder’s general problem of how to deal with racism is evident. It ranges from complete denial, to a timid admission of its presence, always with a “but …”, to an exaggeration of the situation.

The overstatement of racism as a subject in the province may be related to the lack of political will to address this dilemma and disregard its negative implications. Furthermore, some may believe that political class and even some social elements inflame the notion of prejudice in the province. As clear example is illustrated by Bill 21, which many consider as giving “legitimacy” to discrimination against Quebec women because of their backgrounds and to “give the green light” to blatant racism against other parts of society because of their cultural diversity, customs, and traditions.


In addition, many human rights reports and studies highlight the notion of “systemic racism” in many official sectors in Quebec and their existing policies that lead to ethnic-based discrimination. Moreover, most of those who complain about this situation are part of the province’s citizens of African descent in particular.

The main media outlets more frequently report about the more-than-average arrests of Black citizens by the police, and the misconduct labelled as based on racial and ethnic grounds. Many reports’ “conclusions” have been issued by human rights organizations that confirm these “assumptions”.


Faced with the impetus of calls for action against racism, some developments in this regard have taken place, rendered through some decisions and appointments, as well as through the approval of policy changes in some official sectors, including in particular the police force that is the subject of most complaints. At the start, there was the appointment of Mrs. Bochra Mannaei by the Municipal Council of the City of Montreal to be the head of a specialized committee to deal with what is known as “systemic racism”. The appointment of Mrs. Mannaei , who is a Muslim of Arab origins, led to severely stormy reactions from some influential political and media voices that were described as Islamophobic and racist.
The irony is that Mrs. Mannaei did not escape criticism even from those who were expected to be on her side, due to the color of her skin, even though she is from North Africa.


In addition, the establishment of a specialized ministry for combating racism in the provincial government came as a remarkable step, since Prime Minister Francois Legault is one of the politicians who rejected the idea of systemic racism’s existence in the province.
The Minister of Environment, Mr. Benoit Charette, has been appointed to lead the new ministry. Mr. Charette, too, has not escaped a wave of criticism for being white.
It is worth noting that Mr. Sharett was one of the closest associates of the Muslim Quebec community, and we had close ties with him when CAQ was in opposition and before the party’s distinctiveness turned into adopting policies that observers considered to be leaning more towards the “identity-based” political current.


Furthermore, the City Council of Montreal adopted a set of recommendations issued by the Security Committee, which was formed a year ago to study how to reduce “racial profiling”, which is a method the police consistently use to handle citizens on the basis of racial stereotypes.


All these facts indicate, without a doubt, that burying one’s head in the sand and treating racism in Quebec as an empty phenomenon, is no longer possible.
It was necessary to make decisions that reflect at least a sense of interest, at least outwardly, in the need to seriously combat this disease. The positivity of these decisions cannot be denied, which may reflect an admission, albeit implicitly, that there are some sectors in Quebec suffering, like other Western societies, from the spread of societal tension on odious racist grounds.

The real challenge remaining is to transform the encouraging current trends that have been witnessed recently and detailed in this article into serious change in dealing with racism, and not to ignore the noticeable increase in incidents linked to racial identities and ethnic stereotypes. Expectations are that the populist tide will not concede easily to the process of confronting racism. However, the majority of Quebec is distinguished by its openness and adaptation to the diverse backgrounds of it’s population, and they will have the final word on this issue. Ultimately, we can trust that Quebec will not accept this speck of staining on it’s proud identity.