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				The Italian Role 
				 
				
				  
				Abu Lughod points out how during the so-called Dark Ages
				
				 of Europe, the Italian 
				ports never lost their continuity nor their connections with the 
				East.[1] 
				The Italian port towns of Genoa
				
				 and Venice
				, in 
				particular, maintained an intense trade with Anatolia as well as 
				with the Fertile Crescent, Egypt
				, 
				and North Africa, and because of that were able to learn from 
				their eastern counterparts many of the institutional 
				arrangements that facilitated long distance and cross-societal 
				trade.[2]Only 
				few Western historians, she notes, have paid adequate attention 
				to these Eastern precedents, whilst the like of Max Weber have 
				often credited the Italians with unique business creativity, 
				which they hardly deserved, although they did make crafty use of 
				the lessons they learned. But they were subsidiary to the Middle 
				East
				.[3] 
				 
				
				The reason why the Italians
				
				 pioneered with regard to 
				trade is precisely because they, not other parts of Western 
				Christendom, had the most trading links with the Islamic world 
				whether in North Africa, or in the East. 
				In 
				the Maghrib, for instance, in the 12th century, the 
				Pisans, Florentines, Genoese, Venetians, and Sicilians had trade 
				establishments in the main city ports from Tripoli in the east 
				to Ceuta in the West.[4]With 
				the East, Amalfi, principally, traded with Syria
				,
				
				
				
				[5]whilst Pisa
				, 
				Genoa
				
				 and Venice
				
				 had monopoly over 
				Eastern trade in the wake of the crusades.[6]Thus, 
				it is little surprise, that it is the very cities, which traded 
				with the Islamic world that pioneered and dominated every aspect 
				of Western Christian trade, in form and in substance. And how, 
				when, where, and in what form they picked and transmitted some 
				fundamental aspects of modern trade from Islam 
				is now considered. 
				 
				
				Many expressions, which are today part of the Western vocabulary 
				and international trade have an Arabic origin, expressions such 
				as arsenal, Magasin, traffic, tariff, 
				
				douane (customs), aval, etc. 
				The impact is not just, as has been the practice on the part of 
				most historians/specialists of Islamic culture, to mention them 
				whilst passing, or see them in their linguistic form only, but 
				much more than this. The true impact is their establishing 
				fundamentals upon which the whole modern system of trade works. 
				No need here to dwell too long on a word such as traffic, for 
				instance, from tafriiq, meaning `distribution,’ which is 
				the basis for exchanges. Today, the focus of the World Trade
				
				 Organisation is on the 
				concept of free movement of goods as the basis of prosperity.
				
				
				‘Magazine’, for example, particularly in the sense of a 
				storehouse for goods, comes from the Arabic; the Arabic plural
				makhazin being adopted as a singular by the Italian 
				traders of the late Middle Ages (e.g. Genoa
				
				 or Venice
				), 
				either direct from an Arabic-speaking country like Egypt
				
				 or, more likely, from 
				Turkey or Persia, where Arabic plurals were often used as 
				singulars.[7] 
				Then, from Italian magazzino, it passed into Old French 
				as magazin (modern magasin = ‘shop’) and thence to 
				English.[8] 
				Nowadays, of course, it is most familiar in the sense of a 
				‘storehouse’ and as a miscellaneous weekly or monthly 
				periodical.[9] 
				Magasin carries the notion of storage; the magasins for 
				centuries acting as the bases for all European/Jewish
				
				 trade dealings in and 
				out of the Islamic land. Around and from the magasins evolved 
				maritime activity, money exchange, road transport, etc. 
				Reference to De Mas Latrie shows that all Western Mediterranean 
				republics, Italians
				
				, without exception, 
				
				owned permanent establishments in Muslim coastal towns, 
				entertaining councils and envoys to safeguard their interests 
				and manage their businesses, and expand their trade.[10] 
				 
				
				Another borrowing of fundamental importance is the English word 
				‘arsenal’ derived from Italian arsenale, itself derived 
				from the Arabic expression dar as-sina’ah, ‘craft-house, 
				workshop’.[11] 
				Wickens appropriately makes the following point: 
				`The 
				non-expert might well be sceptical here: were there no workshops 
				in the West, and could the word ‘arsenal’ really come from a 
				word looking so different? The answers are fairly 
				straightforward. In the first place, while Western craftsmen in 
				the early Middle Ages were certainly capable of making weapons 
				and building vessels, they lacked (and often suffered for 
				lacking) really large-scale centralized organization of these 
				activities until it was introduced from the Middle East
				. 
				The linguistic jump is not so great as it seems: when terms are 
				borrowed in this way, one of the commonest casualties is the 
				initial, imperfectly heard consonant: hence the disappearing 
				‘d’. As to the inserted ‘l’ in ‘arsenal’, this was probably an 
				attempt to cope with the heavy Arabic guttural while still 
				giving the word a satisfactory Italian sound to finish with.’[12] 
				
				  
				
				The concept of wealth creation relies on a fundamental element: 
				risk. Without risk in search of profit, no venture is 
				undertaken; and no investment is made. The concept of risk comes 
				from the Arabic `Rizk’ (bounty), which is even more enticing 
				than profit. In no culture, would economic venture and bounty 
				seem so closely associated than in the Islamic. In tracing the 
				history of commerce, and wealth creation, Peter Jay seized on 
				this particular element to highlight the decisive role of the 
				Islamic civilisation
				
				 in expanding 
				international trade by associating the concepts of risk taking 
				and bounty, and the role of the Italians
				
				 in seizing on the 
				concept.[13] 
				The notion of `rizq’ has a powerful 
				psychological impact, stimulating the search for wealth 
				through association of bounty with economic venture. Islam, 
				thus, replaced the fulfilment of localized needs with profit 
				through large commercial exchanges; and the search for higher 
				profit demanding increased risk taking. The fundamental reason 
				why risk of capital is the child of Islam is simple: Islam 
				forbids the hoarding of money for the sake of lending it in 
				return of interest on it. Interest is banned in Islam. Thus, for 
				any Muslim with money, the need is to invest it in person, or 
				via another party.[14] 
				This way, capital is always circulating rather than being 
				static, thus, maximizing its uses. By forbidding interest on 
				loans, Islam also makes available, and freely, the required 
				capital for the risk takers. There is no heavy burden upon the 
				investor having to borrow at high interest, or having to repay 
				crippling interest on loans. Without dwelling on this, today, 
				one of the major, if not the major reason of Third World poverty 
				is debt servicing. There are, of course, other crippling factors 
				for the Third World: administrative inefficiency, incompetence, 
				wars etc; yet, the amount of money such poor countries have to 
				disburse every year (out of their export gains) to repay not 
				their loans, just the services on such loans, means they have 
				little chance of getting out of the poverty-dependency trap. By 
				forbidding usury, Islam not only removes this burden, it also 
				kills the easy avenue for enrichment, and makes business 
				investment the one way to derive profit, which hence promotes 
				productive ventures in industry, trade and farming. 
				 
				
				Already noted is how Islam provides a legal basis to commercial 
				transactions.[15]Amari 
				has also gathered 84 original documents, 41 diverse pieces all 
				related to the Maghrib, many in duplicate and original 
				contemporary text, relating to exchanges between Muslims and 
				Christians,[16] 
				the oldest dating from 1150.[17] 
				Islamic procedures from earlier times were adopted by Western 
				counterparts, Wiet et al noting how oral precedents became 
				committed to standardised written forms; notarial practice 
				evolving in Italy in the 11th century and spreading 
				through southern France and Spain from the middle of the 12th, 
				affording private individuals the opportunity, of which they 
				were not slow to take advantage, of ensuring legal validity for 
				their smallest transactions.[18] 
				
				 The strong Italian 
				presence in the East during the crusades, which will be 
				considered under the next heading, contributed to considerable 
				extent to transfers of similar sort. Some such transfers 
				included rationalised calculating methods for book keeping and 
				the introduction of a simplified system of payment in the shape 
				of cheques and bills of exchange.[19] 
				All these individuals examples were so favourably received in 
				the merchants’ own cities that the most important spheres of 
				social life there were given a stimulus which significantly 
				accelerated their historical progress.[20] 
				 
				The 
				transfer of the Arabic numeral system and accounting via 
				Leonardo Fibonacci
				
				 is one of the most 
				endearing instances of how commercial contact with Islam 
				affected not just mathematical sciences in Western Christendom
				
				 but also commercial 
				practice. To illustrate this point, return must be made, again, 
				to the links the Italians
				
				 had with the Muslims, 
				this time in North Africa. The Almohad ruler Abd-El Mumen had in 
				the years 1153 or 1154 concluded with the Republic of Genoa
				
				 a treaty to secure peace 
				and good rapports between their subjects,[21] 
				whilst in 1166, were passed treaties between the Almohads and 
				Pisa
				; 
				Abu Yakub Yusuf, son of Abd-El Mumen, giving back the Pisans the 
				franchises and possessions they had before in Africa.[22] 
				In the 12th century, the Pisans, Florentines, 
				Genoese, Venetians, Sicilians all had trade establishments in 
				the main city ports of the Maghrib including the Algerian city 
				of Bejaia
				.[23] 
				Genoa had in 1164 appointed a regular official at Bejaia to 
				supervise trade there; he, perhaps the first `colonial official’ 
				of modern times.[24] 
				Pisa immediately followed suite. The Pisan office had an 
				important repercussion on European culture, for in 1175 its 
				holder was one Bonacci.[25] 
				It was his son Leonardo (c. 1170-1248) who was to show himself 
				the most gifted mathematician of the Middle Age.[26] 
				Leonardo Fibonacci’s father had discovered during his trading 
				exchanges with the North African coast the superiority and 
				advantages of the Arabic numerals for commercial purposes.[27] 
				Hence Leonardo was sent there to learn at the hands of Muslim 
				masters the system.[28]In 
				his father’s warehouse Leonardo first heard of the use of Arabic 
				numerals in which the value of the digit is decimally related to 
				its position.[29]This 
				is our modern way of reckoning. At that time only the Roman 
				system of numbering was known in Europe, and all calculation was 
				with the abacus. Leonardo wrote Liber abacci in 1202 
				where he advocates the Arabic system, which was the first 
				European scientific appreciation of the method.[30] 
				In his Liber abacci Leonardo gives, amongst his examples, 
				a method for calculating the capacity value of alum in a cargo.[31] 
				Thus the essential notation of modern mathematics, as of modern 
				commerce, arose directly from the trade between Pisa and Bejaia. 
				
				Arabic numerals were first used in Europe precisely around that 
				time by notaries charged with drawing up commercial contracts 
				for use in the Islamic world.[32] 
				The progress of such numerals in the Christian West
				
				 was slow; but eventually 
				they made their way there. What their history also proves is 
				that it was not the Italians
				
				 who carried expertise to 
				the Muslims but quite the reverse.  
				
				  
				A 
				further Italian link in the development of the 
				administrative/financial structures of Western Christendom
				, 
				this time, via Norman Sicily
				, is 
				with regard to the development 
				of 
				the English exchequer. This matter having already been seen, 
				here thus, it is briefly reminded, that this is yet again 
				another development taking place in the 12th century. 
				Coincidentally, it happens just when Thomas Brown (Qaid Brun), 
				whose former service with King Roger in Sicily in Regis 
				Secretis, i.e: the Diwan or Doana de Secretis,[33]is 
				transferred to England
				. It 
				was he who introduced the Exchequer to Henry II’s England after 
				he left Sicily at the accession of William the Bad (1154).[34] 
				The origin of the Exchequer and its Pipe Rolls, may have its 
				beginning in the Sicilian 
				duana (Arabic diwan,) 
				which was largely staffed by Muslim officials, kept voluminous 
				registers, and `seems plainly to go back to Islamic 
				antecedents.'[35] 
				
				 However, there remains 
				the manner of calculating, and here must be added another 
				element of impact, again, taking place in the 12th 
				century, and again, owing to Islamic sources, and this is the 
				use of the abacus.[36] 
				It is worth reminding that it was Adelard of Bath
				
				 who wrote treatises on 
				the subject (in the 12th century), continuing on the 
				traditions of earlier men (Gerbert
				
				 and Hermann of Reichnau, 
				both of them, as chapter one of part two has shown, were imbued 
				and inspired by Islamic learning, just as Adelard was). Adelard 
				also spent time in Norman Sicily, and must have familiarised the 
				English with the early rudiments of the Islamic (Arabic) system 
				of calculation, setting an idea into motion, but far from 
				resolving the problem. The development in the 12th 
				century exactly leads to the Muslim/Sicilian source for the 
				simple reason that the system does require people with knowledge 
				of Islamic accounting or use of decimals. It would have been 
				impossible for English born people to master the use of 
				accounting based on such Islamic sources, for at the time, the 
				Christian West
				
				 was devoid of those who 
				could handle Islamic methods of calculation. 
				Bresc notes, indeed, how the Normans never refrained from 
				using Arabic extensively, and the shortage of well read 
				personnel explains why, still, in 1240, functions of the Duana 
				Secretis are filled with Muslim scribes.[37] 
				If this is to prove something, it proves that it is impossible 
				for anyone not learned in Arabic to run the administration of 
				the Normans in Sicily. Thus, how come, Qaid Brown (Brun) (Thomas 
				Brown,) supposedly an Englishman, should travel from England to 
				run Sicilian administration as modern Western history holds. 
				Qaid Brun, thus, rather than being an Englishman returning to 
				his country after a stay in Sicily, was in reality a Muslim 
				Sicilian, coming to England to run the English exchequer, thus, 
				proving that such expertise travelled from Sicily to England 
				rather than the reverse. 
				 
				
				 Finally, Islamic 
				literature in the field of trade influenced subsequent Western 
				literature, and by `coincidence’, the Italian, first. 
				Al-Dimashqi’s 11th century guide: Kitab al-Ishara 
				(The Book of Guidance)[38]begins 
				with an essay on the true nature of wealth and then proceeds to 
				discuss the necessity of money; how to test a currency; how to 
				evaluate commodities; their prices; how to discern good from 
				defective merchandise; investment in real estate; handicrafts 
				and manufactures; advice for sales people; the advantages of 
				business; the different types of merchants and their duties; how 
				to avoid fraud; how to keep records, wealth protection, and so 
				on and so forth….[39] 
				By some coincidence, 
				
				Al-Dimashqi's Kitab 
				shows a very close relationship in technique and approach to the 
				subsequent Pegalotti's 
				Practica della Mercatura.[40] 
				A great deal of the merchandise referred to in the two 
				manuscripts are the same, and so is a lot of the technical 
				terminology, including the advice to businessmen, and so are 
				many of the forms of business relationships.[41] 
				(The two manuscripts are available for checking). 
					 
						
						
						
						
						
						[1]
						J.L. Abu-Lughod: 
						Before European Hegemony, op cit; p.67. 
						
						
						
						
						
						[2] 
						Ibid. 
						
						
						
						
						
						[3] 
						Ibid. 
						
						
						
						
						
						[4] 
						M.L. de Mas Latrie: Traites de Paix; op cit; pp. 
						
						
						64; 89 and 91. 
						
						
						
						
						
						[5] 
						C. H. Haskins
						
						: The Renaissance
						
						; op cit; p. 21. 
						
						
						
						
						
						[6] 
						See, for instance, W. Heyd: Histoire du commerce; op 
						cit. 
						
						
						
						
						
						[7]
						G. M. Wickens: 
						`What the West Borrowed from the Middle East
						
						,' in Introduction to Islamic Civilisation, ed by 
						R.M. Savory, Cambridge University Press, Cambridge, 
						1976. pp 120-5; at p. 121. 
						
						
						
						
						
						[8] 
						Ibid. 
						
						
						
						
						
						[9] 
						Ibid. 
						
						
						
						
						
						[10]
						M.L. de 
						Mas Latrie: Traites de paix; op cit; p.84. 
						
						
						
						
						
						[11] 
						G.M. Wickens: What the West; op cit; p. 123. 
						
						
						
						
						
						[12] 
						Ibid. 
						
						
						
						
						
						[13] 
						P. Jay: The Road to Riches; 
						BBC; August; 2000 (seen by this author). 
						
						
						
						
						
						[14] 
						See for instance: A. Udovitch
						
						: Credit as a mean of investment in medieval Islamic 
						trade; Journal of Economic and Social History of the 
						Orient
						
						 (JESHO); 1967; 
						pp 260-4. 
						
						
						
						
						
						[15] 
						A.L. Udovitch
						
						: Trade
						
						, op cit. 
						
						
						
						
						
						[16]
						M. Amari in
						I Diplomi arabi 
						del reale archivio Fiorentino, Florence, Lemonnier, 
						1863. 
						
						
						
						
						
						[17]
						M.L. de 
						Mas Latrie: Traites de paix; op cit; p.xv. 
						
						
						
						
						
						[18] 
						G. Wiet et al: History; op cit; p.474. 
						
						
						
						
						
						[19] 
						M. Erbstosser: The Crusades
						
						
						; 
						p. 202-3. 
						
						
						
						
						
						[20] 
						Ibid. 
						
						
						
						
						
						[21] 
						M.L. de Mas Latrie: Traites de paix; op cit; p.47. 
						
						
						
						
						
						[22] 
						Manrangone, 
						Chron. Pis, edit. 
						
						Bonaini. in M.L. de Mas Latrie: Traites de paix; op cit; 
						p. 48. 
						
						
						
						
						
						[23] 
						M.L. de Mas Latrie: Traites de paix; op cit; pp. 
						
						
						64; 89 and 91. 
						
						
						
						
						
						[24] 
						C. Singer: The Earliest Chemical Industry
						
						; op cit; p. 85. 
						
						
						
						
						
						[25] 
						Ibid. 
						
						
						
						
						
						[26] 
						Ibid. 
						
						
						
						
						
						[27] 
						W. Montgomery Watt: 
						The Influence of 
						Islam; op cit; 
						pp. 63-4.  
						
						
						
						
						
						[28] 
						Ibid. 
						
						
						
						
						
						[29] 
						C. Singer: The Earliest Chemical Industry
						
						; op cit; p. 85. 
						
						
						
						
						
						[30] 
						Ibid. 
						
						
						
						
						
						[31] 
						Ibid. 
						
						
						
						
						
						[32] 
						D.Abulafia: The Role of Trade
						
						; I; in  
						C. Hillenbrand: 
						The Crusades
						
						
						, Islamic Perspectives, 
						Edinburgh University Press; 1999.p.397. 
						
						
						
						
						
						[33] 
						W. Stubbs: Select Charters Oxford, 1895, p. 190. in 
						E-Jamison: The Sicilian Norman Kingdom in the Mind of 
						Anglo-Norman Contemporaries; Proceedings of the 
						British Academy, Vol 24. pp 237-285.P.250 
						
						
						
						
						
						[34] 
						R. Briffault: The Making, op cit, p. 212; R. L. Poole: 
						The Exchequer; op cit. p. 118 onwards.
 
						
						
						
						
						
						[35] 
						C.H. Haskins
						
						: The Normans in European History; New York, 
						1966; p. 229. 
						
						
						
						
						
						[36] 
						R.L. Poole: The Exchequer; op cit; pp. 50-61. 
						
						
						
						
						
						[37] 
						H. Bresc: Mudejars des Pays de la Couronne d’Aragon et 
						Sarrasins de la Sicilie Normande: le Probleme de 
						l’acculturation; In Politique et Societe en Sicile; 
						XII-Xv em siecle; Variorum; Aldershot; 1990; pp. 
						51-60. at p. 58. 
						
						
						
						
						
						[38] 
						Al-Dimashqi: Mahasin al-Tijara; trad. H.Ritter, 
						Ein arabisches handbuch der handelswissenschaft; in 
						Der Islam; vol VII; 1917; pp 1-91. 
						
						
						
						
						
						[39] 
						R.D. Mc Chesney: Ad-Dimashqi in The Genius of Arab 
						Civilisation, J. R. Hayes Editor; Source of 
						Renaissance
						
						, Phaidon, 1976. p 206. 
						
						
						
						
						
						[40]N. 
						Stilman in discussion 
						seminar of published articles Islam and the 
						medieval West; In K. I. Semaan; edt; op cit p. 152. 
						
						
						
						
						
						[41] 
						Ibid.  |