

We Must Fulfill Our Promises to Allah (SWT): Reflections on Surah At-Tauba
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
Feb 9


Why Are Laws Made and Why Should They Be Derived from the Qur’an & Sunnah?
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
Feb 2


Riba, Interest, and the Constitution of the Islamic Republic of Pakistan
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
Jan 26


Re: Riba; Why Ijma Is Essential
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
Jan 26


Main Objective of Allah SWT’s Message on Riba
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
Jan 19


The Message of Allah SWT on Riba: Far-Reaching Meanings and Hidden Wisdom
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
Jan 13


Why Has Allah SWT Conveyed the Prohibition of Riba in Such a Severe Tone?
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
Jan 9


What is Riba? And What Are Various References of Riba in Al-Quran?
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
Jan 5


Immaculate Lawmaking: The Foundation of Peace and Harmony
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
Dec 30, 2025


Legislature, Judiciary, and Executive in Islam: Lessons from Surah An-Nisa
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
Dec 29, 2025
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