By Muhammad Rizwan-ul Haque Founding Chairman, Dawood Family Takaful | CEO of an Investment Bank | Director of a TrustOriginally published: September 27, 2016 Introduction The verses of the Qur’an are the ultimate source of guidance for humanity. We recite them repeatedly, yet often fail to reflect deeply on their meanings or fully submit to their commandments. The message is clear, but are we truly listening? Knowledge and Responsibility We consider ourselves fortunate to ha

By Muhammad Rizwan-ul Haque Founding Chairman, Dawood Family Takaful | CEO of an Investment Bank | Director of a TrustOriginally published: September 29, 2016 Introduction For centuries, capitalism dominated much of the global economic system. In 1848, Karl Marx challenged this dominance through his book The Communist Manifesto, presenting an alternative ideology in open revolt against prevailing structures. During the first half of the twentieth century, many countries adopt

By Muhammad Rizwan-ul Haque Published: May 2, 2017 Introduction At best, we can only make a modest effort to share the true message of Islam with our families, friends, colleagues, and wider communities, including through social media. Whatever little good we can do is only possible through the guidance and mercy of Allah (SWT). However, in our pursuit of understanding Islamic teachings, it is important to reflect on our intellectual humility, especially when compared to the

By Muhammad Rizwan-ul Haque Founding Chairman, Dawood Family Takaful | CEO of an Investment Bank | Director of a Trust Originally published: June 21, 2018 Introduction The Qur’an repeatedly draws attention to human behavior, highlighting not only our strengths but also our weaknesses. Surah At-Tauba presents powerful verses that reflect the character of humanity in general, and Muslims in particular, especially when it comes to promises made to Allah (SWT). A Forgotten Promis

By Muhammad Rizwan-ul Haque Founding Chairman, Dawood Family Takaful | CEO of an Investment Bank | Director of a Trust Originally published: August 12, 2015 Introduction The concept of lawmaking dates back thousands of years to ancient Greek aristocracies. However, these early laws largely served the interests of the elite, leaving the lower classes marginalized. As a result, ethics, morals, and values became tools through which the oppressed sought justice and demanded thei

By Muhammad Rizwan-ul-Haque Founding Chairman, Dawood Family Takaful | CEO of an Investment Bank | Director of a Trust Originally published: May 8, 2019 Introduction The Constitution of the Islamic Republic of Pakistan clearly states that no law may be enacted if it is repugnant to the Quran and Sunnah. In light of this constitutional mandate, it becomes essential to reflect on whether Pakistan has truly operated in the right direction during the past four to five decades, pa

By Muhammad Rizwan-ul Haque Founding Chairman, Dawood Family Takaful | CEO of an Investment Bank | Director of a Trust Originally published: August 21, 2015 Introduction Ijma  is an Arabic term that refers to consensus or collective agreement. Within Islamic jurisprudence, it broadly signifies the consensus of the earliest generations of Muslims, particularly the first three generations, or, in a wider sense, the agreement of qualified jurists and scholars across the Muslim w

By Muhammad Rizwan-ul Haque Founding Chairman, Dawood Family Takaful | CEO of an Investment Bank | Director of a Trust Originally published: June 29, 2015 Introduction The central objective behind Allah SWT’s message on Riba  is the eradication of exploitation and the establishment of balance and equilibrium within society. Islam does not merely prohibit Riba in isolation; rather, it presents a comprehensive framework aimed at ensuring justice, fairness, and socioeconomic har

By Muhammad Rizwan-ul-Haque Founding Chairman, Dawood Family Takaful | CEO of an Investment Bank | Director of a Trust Originally published: June 24, 2015 What Is Islam? A recently converted acquaintance was once asked by his friends, “What is Islam?” His response was simple yet profound: “Islam is simplicity, but with discipline.” This statement captures the essence of Islam—clear guidance rooted in wisdom, where every command of Allah SWT carries purpose, foresight, and lon

Based on research by Muhammad Rizwan-ul-Haque Founding Chairman, Dawood Family Takaful | CEO of an Investment Bank | Director of a Trust Original research dated: June 16, 2015 The content, analysis, Quranic references, and conclusions presented here are derived from his research and writings. Full credit for the intellectual work belongs to the author. 🔗 Original Source / Reference: https://www.linkedin.com/pulse/why-has-allah-swt-conveyed-message-riba-severe-tone-haque/ In

This article is based entirely on the original research and scholarly work of: Muhammad Rizwan-ul-Haque - Founding Chairman, Dawood Family Takaful, CEO of an Investment Bank and Director of a Trust The content, analysis, Quranic references, and conclusions presented here are derived from his research and writings. Full credit for the intellectual work belongs to the author. 🔗 Original Source / Reference: https://www.linkedin.com/pulse/mention-riba-interest-usury-religion-abr

Based on research by Muhammad Rizwan-ul-Haque Founding Chairman, Dawood Family Takaful | CEO of an Investment Bank | Director of a Trust Original research dated: July 10, 2018 Introduction In any society, a parliament is entrusted by the people to formulate laws that protect life, property, and basic rights. The common person places hope in legislation, believing it will ensure justice, provide socioeconomic relief, and shield society from corruption. Yet, more often than not

Based on research by Muhammad Rizwan-ul Haque Founding Chairman, Dawood Family Takaful | CEO of an Investment Bank | Director of a Trust Original research dated: January 15, 2018 Introduction The Qur’an provides not only spiritual guidance but also a comprehensive framework for building just and balanced societies . Two pivotal verses from Surah An-Nisa (4:58–59)  lay down foundational principles for governance, accountability, and justice. These verses explain how societies

The concept of Riba , commonly understood as interest or usury, is not unique to Islam. Long before modern banking systems emerged, Judaism, Christianity, and Islam  all addressed the ethical implications of charging interest. Examining how these three Abrahamic faiths approached Riba reveals a shared moral concern for justice, fairness, and protection of the vulnerable, despite differences in interpretation and application over time. Riba / Usury in Christianity Historical B

Islamic microfinance has become a transformative tool for providing financial access to underserved communities while adhering to Shariah principles. Unlike conventional microfinance, which often relies on interest-based loans, Islamic microfinance offers ethical financing through profit-and-loss sharing or interest-free models. This approach ensures that economic growth is both sustainable and compliant with Islamic law. Shariah-Compliant Financing Models Several Shariah-com

Venture capital (VC) is often associated with high-risk, high-reward investments in startups. For Muslim investors, the challenge is ensuring that these opportunities are Shariah-compliant while still offering growth potential. Shariah-compliant venture capital focuses on supporting businesses that operate ethically and avoid prohibited (haram) activities such as interest-based lending, gambling, alcohol, and tobacco. Equity Participation: A Core Principle One of the primary

As halal investing becomes more common, many Muslim investors have moved beyond the basics and are now exploring the deeper mechanics of Shariah-compliant stock selection. They already know that halal investing avoids interest, unethical industries, and excessive uncertainty. But the real complexity begins when evaluating whether a company’s financial structure is compliant and that’s where Shariah screening ratios  come in. These ratios form the backbone of modern Islamic eq

Across the Muslim world, women are taking bigger roles in education, careers, entrepreneurship, and finance. Yet, when it comes to investing, many Muslim women hesitate because they feel unsure about halal compliance, risk, or financial knowledge. The truth is: halal investing offers a safe, ethical, and empowering pathway for Muslim women to build long-term financial independence. Why Muslim Women Should Invest Financial independence allows women to: Support their families B

Zakat is one of the most powerful pillars of Islam, a system designed to purify wealth, uplift communities, and maintain economic balance. While most Muslims know the importance of giving zakat, many are unsure how it applies to modern investment portfolios. Today, as more Muslims enter the world of halal investing, understanding zakat on investments has become essential. Zakat: A Spiritual and Economic Responsibility Zakat is not simply charity; it is an obligation that redi

When Aisha, a 27-year-old software engineer, received her first substantial paycheck, she felt a mix of excitement and responsibility. She wanted to invest but didn’t want to compromise her faith. One weekend, she sat with her brother, scrolling through investment platforms. “Everything involves interest… or something questionable,” she sighed. He smiled and said, “You haven’t looked into halal investing yet.” That night, Aisha dove into research and discovered a rapidly grow

Dividend investing has always been a favorite among long-term investors. The idea is simple: buy shares of strong companies, hold them patiently, and collect recurring payouts from their profits. For Muslim investors, this strategy can be fully halal, provided that both the company’s business activities and financial structure meet Islamic standards. Dividends themselves are permissible because they reflect a share of actual profit earned from real economic activity. That’s w

The digital economy has become the heartbeat of modern society, influencing how we communicate, work, learn, and generate wealth. For Muslim investors, this expanding universe brings a unique opportunity: the chance to take part in a booming industry while staying fully aligned with Islamic principles. Technology is no longer just an industry, it is the backbone of every sector, from education and health to logistics and entertainment. But with great opportunity comes the res

Once you’ve opened a halal investment account and learned how to identify Shariah-compliant stocks, the next step is to build a balanced...

Many people want to grow their money but also stay true to their values. For Muslim investors, that means finding ways to invest that...