انجینئر معیز
بسم الله الرحمن الرحيم
جب بھی معیشت کے انتظام کی بات کی جائے تو یہ بنیادی سوال اٹھتا ہے کہ آخر معاشی نظام سے کیا حاصل کرنا مقصود ہے ؟ آخر یہ معاشی مسئلہ کیا ہے یا وہ کونسا معاشی مقصد ہے جو ایک معاشی نظام حاصل کرنا چاہتا ہے۔ سرمایہ دارانہ نظام ، معاشرے یا قوم کی دولت میں اضافے کو ہی معاشی نظام کا مقصد گردانتا ہے ۔ پس معاشی منتظمین کے لیے چیلنج یہ ہے کہ اس بات کو یقینی بنایا جائے کہ معاشرے میں دولت میں اضافہ ہوتا رہے۔ اس نقطۂ نظر کی تعریف یوں کی جاتی ہے کہ سرمایہ دارانہ معیشت دان وسائل کی کمی کو معاشرے کی معاشی فلاح و بہبود کی رکاوٹ کے طور پر دیکھتے ہیں جبکہ معاشرے کی ضروریات لامحدودہیں۔ وہ معاشرے کے وسائل کی ضروریات اور ان کی کھپت کو لامحدود سمجھتے ہیں۔ اور اس طرح یہ حل پیش کرتے ہیں کہ ایک معاشی انتظامی حکمتِ عملی ہو جو مسلسل وسائل کو بڑھانے کی جدوجہد کرتی ر ہے اور اس طرح معاشرے کی دولت بڑھتی رہے۔ مقصد معاشرے کی دولت میں اضافہ کرنا ہے اور ایک معاشی انتظامیہ کتنی اچھی ہے، اسے ایک مخصوص سال میں معاشرے کی طرف سے پیدا ہونے والی دولت کی رفتار اور مقدار سے ماپا جاتا ہے۔
تاہم معاشرے میں پیدا ہونے والی کل دولت یا وسائل اس بات کی عکاسی نہیں کرتے کہ یہ دولت کس طرح استعمال کی گئی یا آیا کہ معاشرے میں پیدا ہونے والے وسائل معاشرے کی مخصوص ضروریات کو پورا کرنے کے قابل بھی تھے۔ مثال کے طور پر کیا معیشت میں پیدا ہونے والی دولت میں اتنے وافر زرعی وسائل موجود تھے ،جو کہ آبادی کی خوراک اور لباس کی ضروریات کو پورا کر سکتے ، یا تو زرعی وسائل کی براہِ راست پیداوار کے ذریعے یا دوسری اشیاء اور خدمات کی پیداوار کے ذریعے کہ جن کے بدلے خوراک اور لباس کو حاصل کر کے ان ضرورتوں کو پورا کیا جا سکے؟ کیا توانائی کے وہ کافی وسائل پیدا کئے گئے جو توانائی کی بلا تعطل فراہمی کی ضمانت دے سکیں،چاہےیہ گھروں اور صنعتوں کے لیے بجلی اور گیس ہو یا معاشرے میں نقل و حمل اور صنعتی ضروریات کے لیے تیل اور گیس ہو؟ کیا معاشرے کی عام صحت کی ضروریات کو پورا کرنے یا صحت کی ہنگامی صورتحال کو پورا کرنے کے لیے خاطر خواہ وسائل دستیاب تھے؟ کیا معاشرے کی دفاعی ضروریات یا بنیادی ڈھانچے کی ضروریات یا رہائشی ضروریات کو پورا کرنے کے لیے کافی وسائل دستیاب تھے؟ لہٰذا معاشی مسئلہ درحقیقت معاشرے میں پیدا ہونے والی دولت کی مقدار نہیں ہے بلکہ یہ ہے کہ معاشرے کی مخصوص ضروریات پوری ہوپاتی ہیں یا نہیں۔ مسئلہ دراصل معاشرے میں پیدا ہونے والی دولت کی مقدار کا نہیں ہے بلکہ یہ ہےکہ یہ دولت کس طرح مخصوص ضروریات کو پورا کرنے کے لیے مختص کی گئی ہے۔ چنانچہ اس طرح معاشی مسئلہ کو نئے سرے سے طے کرنے کی ضرورت ہے۔ مسئلہ وسائل کی کمی نہیں ہے ، بلکہ یہ ہے کہ آیا بنیادی انسانی ضروریات پر توجہ بھی دی گئی یا نہیں۔ وسائل اور دولت ، بہرحال ، وہ ذرائع ہیں جن سے انسانی ضروریات پوری کی جاتی ہیں۔ مزید برآں ، جب معاشرے کے بارے میں اجتماعی طور پر سوچاجائے تو جس طرح معاشرتی ضروریات جیسے نقل و حمل اور مواصلات کا بنیادی ڈھانچہ ہونا اہم ہیں اسی طرح مجموعی انسانی ضروریات جیسا کہ تعلیم ، صحت اور تحفظ اور انفرادی انسانی ضروریات جیسے خوراک ، لباس اور رہائش، کا پورا ہونا بھی ضروری ہے۔ لہٰذا معاشی انتظامیہ کا ہدف یہ ہونا چاہیے کہ اس بات کی یقین دہانی ہو کہ افراد کے پاس اپنی بنیادی ضروریات جیسے خوراک ، لباس اور رہائش کو پورا کرنے کے لئے مناسب معاشی وسائل موجود ہوں اور وہ بہتر زندگی گزارنے کے لیے بھی وسائل رکھتے ہوں ، جیسے اپنی گاڑی ہونا، چھٹی کے دن تفریح سے لطف اندوز ہونا ، بچوں کے لیے کھلونے خریدنا ، تیز تراور محفوظ مواصلات سےفائدہ اٹھانا ، باہرکسی ریسٹورنٹ میں کھانا کھاناوغیرہ۔
ایک ایسے معاشی انتظامی نقطہ نظر، جو صرف معاشرے میں دولت کے اضافے پر توجہ مرکوز رکھتا ہے، سےایک ایسے معاشی انتظامی نقطۂ نظر کی طرف منتقلی جو افراد اور معاشرے کی ضروریات کو پورا کرنے کی بنیاد پر ہو،کے لئے ضروری ہے کہ افراد وہ معاشی وسائل رکھتے ہوں جوانہیں اپنی ضروریات پوری کرنے کے لئےچاہئیں۔ اس کا مطلب یہ ہے کہ اقتصادی نظام اس طریقے سے اقتصادی وسائل تک رسائی کو منظم کرنے کی کوشش کرے گا جو اس بات کو یقینی بنائے کہ یہ وسائل افراد کو ان کی ضروریات کو پورا کرنے کے لیے دستیاب ہوں۔پس اس طرح معاشی مسئلہ، اصل میں ایک بہتر اور منظم طریقے سے وسائل کی تقسیم کا ہے نہ کہ معاشرے میں دولت کے اضافے کا۔ معاشرے کی دولت میں اضافے کی ضرورت فطری طور پر معاشرے کی ضروریات کے مطابق پوری ہو گی۔ مثال کے طور پر ، ایک ایسا معاشرہ جو اپنی فوجی صلاحیتوں کو بڑھانا چاہتا ہے ،فطری طور پر ایسے وسائل پیدا کرے گا اوران میں اضافہ کرے گا جن سے اس کی فوجی صلاحیتوں کو بڑھانے میں مدد ملے ۔ اس طرح معاشرے کی دولت میں اضافہ ،افراد اور معاشرے کی بنیادی ضروریات کو پورا کرنے کے وسائل کے حصول کا ایک فطری نتیجہ ہوگا۔
بڑھتی دولت اور وسائل اور ان کی افراد تک رسائی ، تا کہ وہ اپنی ضروریات پوری کرسکیں، اس کو ممکن بنانا ہی وہ بنیادی معاشی مسئلہ ہے جو اس وقت مزید واضح طور پر ظاہر ہو جاتا ہے جب کوئی ذی عقل ،ان معاشروں میں پیدا ہونے والی دولت کی وسیع تر عدم مساوات کا تجزیہ کرتا ہے جن معاشروں نے دولت اور وسائل کو بڑھانے کے لیے سرمایہ دارانہ معاشی نظام کو اپنایا۔ اکنامک پالیسی ادارہ ، جولائی 2018 میں شائع ہونے والی اپنی رپورٹ ، "نیا سنہرا دور ” میں لکھتا ہے : "2015 میں ، امریکہ کے چوٹی کے1 فیصد خاندانوں نے اوسطاً جو کچھ کمایا وہ نچلے 99 فیصد سے 26.3 گُنا زیادہ ہے، اور یہ 2013 کی بہ نسبت مزید اضافہ ہے جب انہوں نے 25.3 گُنا زیادہ کمایا تھا”۔ آمدن اور دولت کی اتنی کثیر عدم مساوات کے نتیجے میں مغرب میں کچھ لوگ بائیں بازو کی سوشلسٹ تنظیموں کی جانب سے بھرپور حمایت شدہ، ٹیکس کی تقسیمِ نو پر مبنی پالیسیوں پر بحث کر رہے ہیں۔ تاہم ، یہ نقطہ نظر مسئلہ کی اصل جڑ کی عکاسی نہیں کرتا ، جو کہ پالیسی کا بنیادی ڈھانچہ ہے جوکہ دولت کی یکساں تقسیم کو یقینی بنانے کے بجائے دولت بڑھانے پر توجہ دیتا ہے۔ اس طرح کی تقسیمِ نو پر مبنی پالیسیاں ، بائیں بازو کے سوشلسٹ جن کے بھر پور حامی ہیں ،وہ بھی اس بنیادی نچوڑ کو حاصل کرنے میں ناکام رہی ہیں کہ کس طرح مؤثر طریقے سے معاشرے میں دولت کی تقسیم کی جائے۔
معاشرے میں دولت کی تقسیم قوانین اور نظام کے ذریعے ہوتی ہے جو ا فراد کی دولت تک رسائی کو منظم کرتے ہیں۔ دوسرے الفاظ میں ، ایک معاشرے میں دولت کی تقسیم اسی بنیاد پر منظّم ہوتی ہے کہ کوئی فرد اپنی ضروریات پوری کرنے کے لیے دولت یا وسائل کا مالک کیسے بن سکتا ہے ۔پس اس طرح معاشرے میں دولت کی تقسیم کو دولت کی ملکیت کو منظم کرنے والے قوانین کے ذریعے یقینی بنایا جاتا ہے۔ کسی معاشرے میں اصول و قوانین اس معاشرے کے دنیا کے بارے میں نقطہ نظر پر مبنی ہوتے ہیں جو کہ مختلف معاشروں کے اعتبار سے مختلف ماخذ سے پُھوٹتے ہیں۔ اسلام میں، معاشرہ کے حوالے سے اصول و قوانین ، قرآن و سنت سے اخذ کئے جاتے ہیں۔
اسلام نے معیشت کے انتظام کے لئے تفصیلی ہدایات دی ہیں۔ اسلام نے ملکیت کے شرعی ذرائع کی وضاحت کرکے معاشرے میں دولت کی تقسیم کو منظم کیا ہے۔ کوئی بھی فرد جو دولت کا مالک بننا چاہتا ہے وہ صرف اُن شرعی ذرائع سے ہی اس کا مالک بن سکتا ہے جو کہ قرآن و سنت میں بیان کئے گئے ہیں۔ اسلام کسی فرد کے حق میں ان وسائل کی ملکیت کو تسلیم نہیں کرتا اگر وہ وسائل شرعی اسلامی احکامات کے ذریعے حاصل نہ کیے گئے ہوں۔ لہذا اسلام اس دولت کی ملکیت کو تسلیم نہیں کرتا جو جوئے یا سود کے ذریعے کمائی گئی ہو ، یا اسٹاک مارکیٹوں میں حصص کی فروخت یا ممنوعہ اشیاء مثلاً شراب یا خنزیر کی خرید وفروخت کے ذریعے حاصل کی گئی ہو۔ اسلام نے دولت پر مقدار کی حد مقرر کر کے دولت کے حصول کو محدود نہیں کیا ہے تاکہ معاشی سرگرمیوں میں جدت اور پُر جوش توانائی کی حوصلہ شکنی نہ ہو۔ نہ ہی اسلام نے ذاتی ملکیت کو منسوخ کرنے کی تلقین کی ہے جو افراد کو مال کی ملکیت کے اطمینان سے محروم کرتی ہے۔ دوسری طرف ، اسلام نے ملکیت کی آزادی کے تصور کے ذریعے ملکیت کو غیر منظم چھوڑنے کا مغربی انداز بھی نہیں اپنایا ، جس کے نتیجے میں سرمایہ دارانہ معاشروں میں بڑے پیمانے پر دولت اور آمدنی میں عدم مساوات پیدا ہوئی ہے۔ اسلام نے مال کی ملکیت کے ساتھ ساتھ اس کےتصرف کو بھی منظم کیا ہے۔ کوئی بھی فرد صرف ان پانچ ذرائع کے ذریعےکسی مال کا مالک بن سکتا ہے جو شریعت نے بیان کئے ہیں ۔ وہ صرف شریعت کے دیے گئے طریقہ کار کے ذریعے ہی مال کا تصرف کر سکتا ہے۔ صرف شریعت کے باضابطہ قوانین کے ذریعے ہی دولت کی گردش کی اجازت دے کر اسلام معاشرے میں دولت کی منصفانہ تقسیم کو یقینی بناتا ہے جو نہ ہی ملکیت کے حقوق سے محروم رکھ کر یا دولت کی ملکیت کی حد مقرر کرکے معاشی ترقی کی انسانی خواہشات وجذبات کوختم کرتا ہے، اور نہ ہی اسلام دولت کو چند ہاتھوں میں ہی مرتکز رہنے کی اجازت دیتا ہے ، اور اس طرح معاشرے میں دولت کی عدم مساوات کا مسئلہ ختم ہو جاتا ہے۔
اسلام میں دولت کی تقسیم ، قرآن و سنت سے اخذ کردہ شرعی ضوابط پر مبنی ہے۔ یہ شرعی ضوابط تین بنیادی اصولوں پر قائم ہیں ؛ دولت کی ابتدائی ملکیت ، دولت کا تصرف اور لوگوں کے درمیان دولت کی گردش کی حوصلہ افزائی کرنے والے مخصوص قوانین۔
دولت کی ابتدائی ملکیت کے اصول وہ ہیں جو اس بات کی وضاحت کرتے ہیں کہ ابتداء سے دولت کی ملکیت کیسے ہوتی ہے۔ مثال کے طور پر روزگار جہاں انسان اپنی مشقت کے بدلے اُجرت کماتا ہے اور مال حاصل کرتا ہے، اسے ان شرعی ذرائع میں سے ایک سمجھا جاتا ہے جس کے ذریعےابتدائی ملکیت حاصل ہوتی ہے۔ یہاں مُشقت کے بدلے دولت کی ملکیت حاصل ہوتی ہے۔ دوسری طرف تجارت کو ایک ایسا ذریعہ نہیں سمجھا جاتا جس کے ذریعے دولت کی ابتدائی ملکیت حاصل کی جاتی ہے کیونکہ آپ پہلے ہی کچھ مال رکھتے ہیں اور آپ اسے زیادہ مال کمانے کے لیے فروخت کرتے ہیں۔ اسی طرح مکان کرایہ پر دینا دولت کی ابتدائی ملکیت نہیں سمجھا جاتا کیونکہ کمایا گیا کرایہ اس مکان کی وجہ سے ہوتا ہے جو پہلے سے ہی ملکیت میں ہے۔ تجارت اور مکان کا کرایہ پر دینا دونوں ملکیت کے تصرف میں آتا ہے جس میں ملکیت کا تبادلہ اور ملکیت کی سرمایہ کاری شامل ہے۔ ابتدائی ملکیت وہ ہوتی ہے جو دولت کے حصول کے لیے وسائل اورذرائع استعمال کر کے حاصل کی جائے جس میں پہلے سے موجودکسی ملکیت کا استعمال نہ ہو ۔ اسلام نے ابتدائی ملکیت کے پانچ ذرائع بیان کیے ہیں۔ اسلام ایسی ملکیت کو تسلیم نہیں کرتا اگر یہ ابتدائی ملکیت کے ان پانچ ذرائع سے حاصل نہیں کی گئی۔ اسلام میں ابتدائی ملکیت کے پانچ ذرائع یہ ہیں: محنت و مشقت ، وراثت ، کسی بھی ذریعہ سے حاصل کی گئی گزر بسر کی بنیادی اشیاء ، شہریوں کوریاست کی طرف سے دیا گیا مال اوروہ دولت جو کسی ملکیت اور پیسے کے تبادلے کے بغیر ہو مثلاً تحائف ، حق مہر ، خُون بہا ، گمنام دولت اور حکمران کا وظیفہ۔
دولت کا تصرف اُن شرعی قوانین سے متعلق ہے کہ کوئی اپنی ملکیت کو کس طرح استعمال کر سکتا ہے۔ اس میں زمین ، تجارت اور صنعت و حرفت سے متعلق قوانین شامل ہیں۔ اسلام ملکیت کو ایک جائز حق کے طور پر دیکھتا ہے ، جسے صرف اس صورت میں تسلیم کیا جاتا ہے جب ملکیت شریعت کے بیان کردہ ذرائع سے حاصل ہو۔ اسی طرح ملکیت کا تصرف بھی صرف شرعی قوانین کے مطابق ہوتا ہے۔ اس میں اپنی ملکیت میں اضافہ کی خاطر، تجارت ، یا صنعت و حرفت یا کاروباری کمپنیوں کے ذریعے سرمایہ کاری شامل ہیں ۔ اصل میں اسلام دولت کے تصرف کے قوانین کے ذریعے معیشت میں ملکیت کے تبادلے کو بھی منظم کرتا ہے۔ معیشت میں مال کا تبادلہ اسلام کے بیان کردہ لین دین اور معاہدوں سے متعلق قوانین و ضوابط کے بغیر نہیں ہو سکتا۔ یہ متعین ، طے شدہ اور بہترین طرح سے وضع کردہ قوانین اس بات کو یقینی بناتے ہیں کہ دولت معیشت میں گردش کرتی رہے اور بہت سے معاشی کھلاڑی دولت کے تبادلے میں شامل ہوں۔ غور کریں کہ اسلام پبلک لمیٹڈ کمپنیوں کی اجازت نہیں دیتا جہاں کسی کمپنی کے لیے عوامی سرمایہ کاری ابتدائی طور پر عوامی پیشکش کے ذریعے ہوتی ہے ، اور اس طرح اسلام اس بات کو یقینی بناتا ہے کہ بہت سے لوگوں کی کثیر دولت کسی ایک واحدکمپنی میں نہ چلی جائے۔ اسلام قرض پر مبنی سرمایہ کاری کو بھی قبول نہیں کرتا جہاں سرمایہ کار بینکوں سے سود پر قرض حاصل کیا جاتا ہے۔ اس طرح اسلام بڑے بینکوں سے بڑی کمپنیوں کی طرف سرمائے کے خطیر بہاؤ کو روکتا ہے۔ اسلام سود پر مبنی فنانسنگ کی بھی اجازت نہیں دیتا ، جہاں بینک افراد کو سود پر مبنی ڈپازٹ (نقد جمع کرانے کی ) کی پیشکش کرتے ہیں ،یوں بینک معاشرے سے بڑی مقدار میں سرمایہ اکٹھا کرلیتا ہے اور پھر بڑی بڑی کمپنیوں کو سود پر مبنی قرضے دیتا ہے۔ اسلام عوامی ملکیت کو نجی ملکیت بنا دینے کو بھی ممنوع قرار دیتا ہے جوکہ خصوصی طور پر زمین سے نکالے گئے وسائل کے بدلے خطیر سرمایہ کمانا ہے ، اس طرح اسلام بڑی نجی کمپنیوں اور بڑےسرمایہ کاروں کی جانب خطیر دولت کے بہاؤ کو روکتا ہے۔ اسلام حکم دیتا ہے کہ کسی بھی قسم کا اشتراک اور سرمائے کا بہاؤ صرف اُنہی کمپنی ڈھانچوں کے ذریعے ہو جو اسلام نے بیان کر دیے ہیں جہاں شراکت داری کے اصول ایسے ہوتے ہیں کہ کمپنی کے معاملات براہ راست شراکت دار چلاتے ہیں اور جہاں سرمائے کو پیداواری معاشی سرگرمیوں میں استعمال کیا جاتا ہے اور جو بھی منافع کمایا جاتا ہے اس کوشراکت داروں میں بانٹا جاتا ہے اور اس طرح ملکیت میں اضافہ اور شراکت داروں کے درمیان اس ملکیت میں اضافے کی تقسیم کو یقینی بنایا جاتا ہے۔ لہٰذا ایسے تفصیلی، متعین اور طے شدہ ناقابلِ تغیر اصولوں اور نظام کے ذریعے ، اسلام معیشت میں دولت کی تقسیم کو یقینی بناتا ہے۔
اسلام معیشت میں دولت کی گردش سے متعلق صریح قوانین کی بھی تخصیص کرتا ہے۔ اسلام سونا اور چاندی ذخیرہ کرنے کی اجازت نہیں دیتا چاہے اس پر زکوٰ ة ادا کی گئی ہو۔ اسلام ایک مخصوص مقصد کے لیےمال جمع کرنے ، جس کی اجازت ہے ، اور کسی خاص مقصد کے بغیرمال جمع کرنے، جس کی اجازت نہیں ہے، کے درمیان فرق کرتا ہے ۔ دوسرا یہ کہ ، اللہ تعالیٰ نے مسلمانوں کو واضح طور پر حکم دیا ہے کہ اس بات کو یقینی بنائیں کہ دولت معاشرے میں امیروں کے درمیان ہی گردش نہ کرتی رہے۔ اس طرح اسلام ریاست کے لئے لازمی قرار دیتا ہے کہ وہ معاشرے کے مختلف طبقات میں دولت کی منصفانہ تقسیم کے لیے مداخلت کرے، اگر مثال کے طور پر اسلامی ریاست کا ایک شہر یا علاقہ بہت صنعتی ہونے کی وجہ سے امیر ہے اور دوسرا علاقہ بہت زیادہ پیداواری نہ ہونے کی وجہ سے غریب ہے۔ اسلام تقاضا کرتا ہے کہ ایسی صورت حال میں ریاست سبسڈی اور گرانٹ فراہم کرے اور دیگر ضروری اقدامات کرے جو غریب علاقے کی خوشحالی کے لیے ضروری ہیں تاکہ یہ یقینی بنایا جا سکے کہ دولت پورے معاشرے میں گردش کرتی رہے۔
دولت کی تقسیم ، دولت تک رسائی کو منظم کرنے اور اس کے لیے قواعد وضع کرنے کے بارے میں ہے۔ ایک ایسے نظام کے بغیر ، جو معاشرے میں رہنے والے ہر فرد کے لیے اس دولت تک رسائی کو یقینی بنائے اور منظم کرے ، معاشرے میں دولت میں اضافہ کا نتیجہ معاشی طور پر چندمراعات یافتہ لوگ ہوتے ہیں ، جو پہلے سے ہی سرمایہ رکھتے ہیں اور مزید دولت اکٹھی کرنے کے لیے اسے استعمال کرتے ہیں ۔ یا پھر زیادہ باصلاحیت،حوصلہ مند اور قابل افراد معاشرے کے دوسرے طبقات سے زیادہ کماتے ہیں اور معاشی طور پر سبقت حاصل کرتے ہیں اور اس طرح معاشرے کی کل دولت کا بڑا حصہ اپنے لیے سمیٹ لیتے ہیں۔ معاشرے کی دولت میں اضافہ بھی فطری طور پر معاشرے اور اس کے افراد کے فطری عزائم پر مبنی ہونا چاہیے جب وہ پیداواری سرگرمیوں اور اعلیٰ ذاتی اور معاشرتی ہدف کی جستجو لئے سرگرم ہوں۔ اسے ایسے پالیسی فریم ورک کا مقصد نہیں بنانا چاہیے جہاں دولت ذخیرہ کرنا ہی بذاتِ خود ایک مقصد ہو۔ دولت بڑھانے اور وسائل کا ڈھیر لگانے کی یہ غیر فطری جستجو ہی ہے جس کے نتیجے میں حالیہ عالمی بحران پیدا ہوا ہے جو کہ دنیا بھر کے پالیسی سازوں کو تیزی سے پریشان کررہا ہے۔
كَيْ لَا يَكُونَ دُولَةً بَيْنَ الْأَغْنِيَاءِ مِنْكُمْ
"تا کہ مال تمہارے دولت مندوں کے درمیان ہی نہ گردش کرتا رہے ” (الحشر : 7)
234 comments
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