Articles

Islamic banking is best

Submitted by Anonymous (not verified) on Thu, 08/22/2019 - 16:08

Colonialists initiated banking in Sudan in order to serve the interests of the colonizing power. After independence, banks in Sudan continued to operate on the same principles as colonial banks. God prohibits dealing in riba (interest) mainly because it causes oppression and exploitation. Islamic banks are structured to improve the economic welfare of all people.

Is there a Halal mortgage?

Submitted by Anonymous (not verified) on Thu, 08/22/2019 - 16:08

In order to allow Muslims avoiding interest to own homes, the concept of the Shared Equity Rental (SER) has been developed. The SER is an alternative to the conventional mortgage first worked out in Halifax, Canada in 1975. The structure of the SER is based on an idea similar to partnership. A number of investors pool funds in order to buy a home. One investor acts as the tenant-buyer. He lives in the house and pays rent to the other investors in the deal, who own shares of the property. This rent is based on the market value of the house, as determined through outside assessment.