Automated checks only — no qualified human review
This status profile records that no qualified Sharia scholar has reviewed or approved the current Islamic-finance pages. Readers should seek qualified guidance before relying on them.
Gharar is not a prohibition on risk. It targets uncertainty inside the contract itself, the kind that lets one party win only because the other did not really know what they were agreeing to.
A structural walk through murabaha, ijara and diminishing musharaka home finance, covering what the bank actually owns at each stage and where the economics genuinely differ from a conventional mortgage.
The three workhorse contracts of Islamic finance, what each one legally requires the financier to do, worked examples with hypothetical figures, and the specific ways each structure can be hollowed out in practice.
The two gates that decide whether zakat is due at all, how the nisab threshold is measured in gold or silver, and how the lunar hawl year sets your annual valuation date.
What purification actually requires, the three calculation methods and why they give different answers, a full worked example across a year of dividends, and the genuinely unsettled question of whether capital gains need cleaning too.
A working explanation of riba, the two classical categories scholars distinguish, the reasoning behind the prohibition, and the everyday products where the question actually bites.
How compliant-share screens actually work, from the business activity gate through the balance sheet ratios, why two respected providers can disagree about the same company, and what screening deliberately does not measure.
Sukuk and bonds can produce similar cash flows while being built from completely different legal machinery, and the difference only becomes visible when something goes wrong.
How takaful separates the participants' risk fund from the operator's business, what the wakala and mudaraba models actually change, and which parts of insurance stay exactly the same.
How the zakat calculation actually works once wealth is spread across bank balances, gold, shares and funds, using a four-step worksheet and a fully worked hypothetical example.
