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  1. Definitions
An Asset is a systematically built business that generates money for you.A Job is an activity that somebody does regularly for a pay. 
  1. What Kind of Asset is a Network Marketing Business?
In Network Marketing you create a network system of people who become business owners through mentoring who in turn create other business owners working under them interdependently and so on. This globally growing system of Business Owners becomes your asset and generates potentially high income.  
  1. So how can we build this Asset?
The key to build this asset is knowing the reason why you join this business. The essential reasons are: Reason Number one is to Help Yourself and Reason Number two is to Help Others. If you join only for one of these two reasons, then the system will not work for you. A.     To Help YourselfTo Help yourself means that you come to the business primarily to change quadrants: from the E or the S quadrant to the B quadrant. However, this change is very difficult for most people.To understand this idea, lets see the general descriptions of these personalities in the CashFlow Quadrants. CASH FLOW QUADRANTThe cash flow quadrant is made by considering the different ways that all human beings generate their income.              EMPLOYEES (E)     BUSINESS-OWNERS (B)                  They have a Job               They build an Asset/System  People work for them    SELF-EMPLOYED (S) INVESTORS   (I) They own a job  They buy an Asset/system      Money works for them 


LEFT QUADRANT         They directly work for Money and then buy liabilities instead of investing in Assets.        They expect instant money        They are afraid of taking risks        They trade their time for moneySalary is not calculated by the volume of job performed instead it is done in a per hour base. So to increase income, E and S must work extra hours. This means the more their income the less their spare time for their families and social life. Therefore, they have NO TIME FREEDOM & NO FINANCIAL FREEDOM. RIGHT QUADRANT        The rich doesnt directly work for moneyThe business owner is concerned about his asset and directly works to build his asset. Those assets work hard to generate money and make them richer and richer, while they work less and less.        Expect money in the future.    They delay gratification.        They take risks        Work for their FREEDOMFor the right quadrants their success increases in proportion to their time. Therefore, they have TIME FREEDOM & FINANCIAL FREEDOM. Thats why this change (from E or S to B) is normally very difficult for most people because they want money more than they want to change quadrants. To bring this change, the educational system inherent in a good Network Marketing Opportunity is so important as it focuses in developing people through trainings.  B.    To Help OthersTo Help Others means help others leave the E and S quadrants and succeed in the B quadrant.  If you focus on doing this, then you will be successful in the business. The beauty of a network marketing business is that your goal is to create assets, which are other Bs working under you and their job is to create other Bs working under them. This is open for everyone. In traditional business, the focus is for the B to have only Es and Ss working for them. If you only want to teach yourself to be a B quadrant person, then a true network marketing system wont work for you. Unlike Networking Marketing Business, this is open for very few people only.   Robert Kiyosaki said The type of business I was taught to build is a business with me at the top and Es and Ss at the base.  I really dont have room at the top for many other Bs, which is why in my businesses, I strongly recommend that all my employees look into network marketing as their own part-time business.   
  1. Why People fail to build this Asset?
They quit too soon.Why would they quit? Most people join only to make money. If they don't make money in the first few months or years, they become discouraged and quit (and then often bad-mouth the industry!).  

for those who are muslim and doubt about this business

Question and Answer Details

Name of Questioner

Ayman   - Bolivia


Giving Commission to Business Solicitors


Dear scholars, As-Salamu `alaykum. A company located in British Virgin Island named as Gold Quest International has its head office in Hong Kong. This company manufactures numismatic gold coins, gold jewelry, etc. The company has come up with a business plan for individuals. According to the business plan, an individual has to buy a single product from this Co. After purchasing the product, the company gives the person a specific identification number called TCO (Tracking Center Ownership). The TCO has to introduce/refer the same business to minimum 10 people. According to the business plan, after bringing 10 people to the business, the company pays U.S. Dollars 400/- as remuneration. Furthermore, when these 10 referred people refers the business to others the up line individual keeps on getting the credit to his geology report also and the individual becomes eligible to get remuneration from the company, as long as the new business is introduced by himself or any of the other individuals. In light of Islamic principles, I would appreciate receiving a fatwa to clear my doubt that the income generated through such means is halal or haram. Jazakum Allah khayran.



Name of Counsellor

Monzer Kahf


Earning livelihood, Brokerage


Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.

In the Name of Allah, Most Gracious, Most Merciful.

All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.

Dear questioner, we would like to thank you for the great confidence you place in us, and we implore Allah Almighty to help us serve His cause and render our work for His Sake.

With regard to your question, Dr. Monzer Kahf, a prominent Muslim economist and counselor, answers:

The practice of chain pyramidal commission is permissible provided there is full disclosure, i.e., all TCO's down the line know the structure of commission and know that the prices they are charged include all these commission up to the top of the pyramid. There is nothing in the Shari`ah that prevents giving commission to solicitors of business, as long as it is known to the person on the other side of the transaction. If there is no full disclosure it may become similar to bribes or at least cheating.

Remember that sale of gold and golden jewelry must always be in cash (hand to hand) as the Prophet (peace and blessings be upon him) instructed.

Allah Almighty knows best.

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