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US Muslim Jurists Resolution on Islamic Finance Companies

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The issue of purchasing a house through Islamic financing has been written about in detail by experts and intellectuals for the past decade or so. However, it appears that majority of American-Muslims are either in doubt or are misinformed about the validity of the actual practice (buying homes through ‘halal mortgages’ or loans). Many prospective home owners dismiss all Islamic home loans as problematic or interest based loans candy coated in Islamic terminology.

This led the Assembly of Muslim Jurists of America (AMJA) to invite a group of 230 Imams from all over the United States to its annual Imams’ Conference in Dallas, Texas in February 2014 to discuss current Islamic finance companies and their contracts from theoretical and practical perspectives (read about the conference here).

After discussing and debating various clauses of the contracts, AMJA announced that it will take a few months to further discuss their concerns with the named companies and then issue a final verdict with regards to their contracts. This declaration was released yesterday.

What is AMJA

AMJA stands for the Assembly of Muslim Jurists of America. It’s a nonprofit established in 2002 with the goal of conducting research about contemporary issues facing Muslims in the West and issuing Islamic verdicts with the findings. This research is conducted and supervised by the Resident Fatwa committee (RFC), which comprises of scholars with Doctorates of Philosophy in various Islamic Sciences.

Their website finds a long list of publications and research papers (mainly in Arabic) covering various subjects including interfaith, youth, food and nutrition, careers and arbitration. Over the years this organization has built a reputation of scholarly work and has shown dedication to tradition and authenticity through their research. You can find more about their published research papers here.

The Findings

AMJA requested and received copies of the contracts of various Islamic home finance companies and studied them. Their conclusion was divided into two main categories: (a) three classes of Islamic home finance companies and (b) ruling on individual companies. I have included both below:

The Three Classes:

(1) Companies that use interest-based loans: AMJA’s description of such companies is that they are using contracts that are an offshoot of traditional interest-based loans. AMJA’s ruling with regards to these companies is that it is not allowed to deal with them.

(2) Companies whose contracts are in agreement with Islamic law. Generally speaking, these companies are of very little reach and are not supported by government-sponsored enterprises (such as Freddie Mac etc.). This means that they do not receive funds from such enterprises, which permits them the freedom to control their contracts without any restrictions or regulations from the government (loosely speaking- obviously there are government regulations but they are nowhere close to those imposed by Freddie Mac, for example). The downside of such companies is that they don’t have enough funds to sustain a large operation when compared to those who have the support of government-sponsored enterprises.

(3) Companies that use contracts that avoid explicit Riba in their contracts, however their contracts contain some components that are forbidden from an Islamic prespective. The contracts offered by such companies usually utilize one of the following three modes of finance: Ijarah (Lease-to-purchase), Musharakah (Declining Balance co-Ownership) or Murabah (Cost plus profit). Within these contracts there might be some clauses that are in violation of the essence of Islamic rule, according to AMJA.

Some of the clauses that you might want to pay attention to include, but are not limited to, what happens when one defaults or is late in making their payments? Is the arrangement of paying taxes, maintenance and other costs considered fair (since the majority shareholder in any company is expected to pay according to their shares, the loaning company in a Musharakah contract should participate in such costs and not only the minority shareholder)? What happens in the case of eminent domain? Other examples of the components indicated above include invalid clauses, inequity, undue risk, unknown quantities and the like. For more information about the fiqhi debate as why such components are forbidden in Islam, please consult with your local Imam or contact AMJA directly. It is highly encouraged that you request a copy of the contract before signing, read it and inquire about any unclear or ambiguous aspects of it. It’s also highly recommended that you speak to your local Imam/scholar or reach out to AMJA for more clarification.

The concept of “Need” and “Dire Need”

Although there are some violations in the aforementioned contracts, AMJA views owning houses to be a general need of the Muslim population in America. AMJA defines need as:

that which is desired by an individual or society to make things easier on them and remove constraints. If one is lacking what is determined to be a “need,” then the individuals or the society face hardships and difficulties that go above and beyond the customary efforts required of individuals by the Islamic Law. People may differ in estimating those hardships.

As for determining the level of need for specific individuals, this would depend on the availability of a substitute in the form of being able to rent without being caused harm.

What I found interesting about this definition is that although AMJA believes that there is a general need for Muslims to own a house, it leaves the determination of such need to the individual(s) interested in buying the house. This indicates that even though there is a general need that allows for using imperfect contracts, the individuals’ situation is still a critical factor to decide the actual level of need.

Another interesting aspect of this definition is following statement:

…this would depend on the availability of a substitute in the form of being able to rent without being caused harm.

How can rent be without causing harm? Financially, obviously those who choose to rent are not worried about property taxes or devalue of the property and more importantly aren’t responsible for any major maintenance or insurance. However, renters do not take advantage of any equity or tax incentives. Moreover from a social perspective, owning a house may encourage home-owners to sustain long term relations with their neighbors, the Muslim community around them, and even the grocery stores in the area. Children in the family increase the chances of  having the same friends, attend the same schools and masjids which helps in cultivating a stable childhood.

AMJA also used the terms “need” and “dire need” in what appears to be an attempt to create a distinction between the contracts below with regards to how islamic their contracts are. There was no definition as to what a “dire need” constitutes. The natural consequence of such distinction is the advantage it lends to certain companies over others. This might be a way (a good way) of placing pressure on companies whose contracts have more violations than others. This also will decrease the competition between companies (given that people actually follow AMJA’s recommendations), which might backfire with regards to consumer protection. Only time will tell.

Rulings with regards to the Individual Companies:

Disclaimer: It should be noted here that the opinion below is that of AMJA and that neither MuslimMatters.org nor the author of this article have an opinion on this matter. The AMJA declaration can be found on their website here. It also should be noted that Guidance Residential advertises with MuslimsMatters, however they were not consulted with about the actual content of this article.

Before listing the rulings per each company and their contracts, AMJA highlighted the following two very important points:

– The current verdicts apply only to the version of the contracts that were presented at the time of issuance of the verdict as well as the manner of execution of the contract. This makes sense as such contacts are often edited and updated.
– AMJA requested more clarification from some of the below mentioned companies with regards to their relationship with federal financing institutions such as Freddie Mac and others. However a detailed clarification was not received.

They are based on a diminishing partnership with rent to own ending in ownership model in their relationship to the purchaser. Their contract is sound in general. However, it contains some Shari’ah violations with respect to maintenance, taxes and insurance, as these expenses are not distributed in a just manner according to percentage of ownership.

The ruling of the RFC Committee concerning Guidance Residential is that it is permissible to deal with them in the face of need. The representatives of this company are advised to review those defective portions of their contract.

Ameen Housing:

They are based on a diminishing partnership with rent to own ending in ownership model in their relationship to the purchaser. Their contracts are not sold to the federal institutions [such as Freddie Mac]. They also avoid explicit interest in their transactions. However, their contract does contain some Shariah objections glitches, such as unfairness in the percentage that they discount in the rent to take care of basic maintenance, expenses that be more or less than that discounted amount. Additionally, they have just introduced a late payment fee [which is another violation of Shariah principles].

The ruling of the RFC Committee is that there is no harm in dealing with this company in case of need, although one should do one’s best to make one’s payments on time in order to avoid the late payment fee. The Committee also encourages the company to abstain from those aspects pointed out by the Committee.

Devon Bank:

This company has two types of Islamic contracts:

The first contract is Murabahah a cost-plus purchase. This contract is surrounded by doubts concerning whether the bank truly owns the property before it is readied for sale. In addition, this contract also contains some defective or problematic conditions or aspects of great unfairness, such as with respect to (a) the bank having exclusive benefits from insurance payouts while requiring the purchaser to pay for the insurance, (b) the bank’s right to freeze the purchaser’s account simply on the suspicion that he will not be able to make his payments, (c) the bank’s right to declare the purchaser in default if he does not use the property as a residence or due to his death although heirs have the right to continue the contract after his death, in fact the cost-plus purchase contract states that the heirs are bound by the contract.

The ruling of the Committee is that there is no harm in dealing with this [Murabahah contract of] this company in the presence of dire need. Whoever remains away from it has kept himself safe and has protected his faith and honor. The Committee advises the Bank to correct these aspects and to affirm the ownership of the property before selling it and to avoid the other invalid conditions as much as possible.

The second contract is a rent to own contract. This also contains a number of Shariah violations and invalid conditions, including having two different contracts (sale and lease) at one time, about one item during one time period. Various Fiqh councils have ruled that this model is not permissible as the legal effects of the two types of contracts are contradictory. This may be corrected by separating the two contracts by making them independent of each other time-wise, such that the sale contract is done after the lease contract, which must be a true lease and not something meant to simply hide the sale. Or, they [may replace the sale] with a promise of handing over ownership at the end of the lease.

From among the defective or void stipulations that this contract embodies are the fact that the bank can evict the lessee upon default but the bank still holds him responsible for the rent until they can find a new renter, the fact that the bank does not pay for the basic maintenance of the property and the fact that the lessee is required to pay insurance while the bank retains the right of any payments from the insurance, allowing the bank to benefit while the lessee bears the cost.

The ruling of the Committee is that there is no harm in dealing with this [rent to own contract of this] company when one is in a state of dire need. Whoever remains away from it has kept himself safe and has protected his faith and honor. The Committee emphasizes its recommendation to the bank to rectify the current model by separating between the two contracts and avoiding the defective or void stipulations as much as possible.

University Islamic Financial (UIF)

The same comments concerning their cost-plus model and lease-to-own models as were stated concerning Devon Bank can be repeated here. Thus, their models have the same rulings and the Committee offers them the same advice. There is an exemption to deal with this company only if one is in a state of dire need. Whoever remains away from it has kept himself safe and has protected his faith and honor.

Ijara Loan:

This company starts by directing the purchaser to get a standard interest-based [mortgage] loan and then creates a trust with the purchaser a partner in the trust, in order to borrow from the bank and then get ownership of the property. After that, the trust will sell the house to the purchaser with a rent-to-own contract. The purchaser is alone in getting the interest-based loan at the beginning and then shares in it at the end.

The ruling of the Committee is that it is not allowed to deal with this company as their model contains clear and explicit interest. We advise those in charge of this company to review and correct their model and to fulfill the trust that has been put in them by those who wish to avoid interest in their financial dealings.

LaRiba:

The contract of this company does not differ from a traditional mortgage that interest-based banks provide. This is the overriding contract between this company and the purchaser and what they present as an Islamic form to it actually has no existence in reality and has no legal authority in case of dispute.

The ruling of the Committee is that it is not allowed to deal with this company as their model contains clear and explicit interest. We advise those in charge of this company to review and correct their model and to fulfill the trust that has been put in them by those who wish to avoid interest in their financial dealings.

In Conclusion

As one of the fortunate individuals who witnessed this journey of how this resolution transpired,  I have come to appreciate the amount of work it takes to build these contracts. It was inspiring for me to see that even though our scholars disagree with each other, they show respect and honor to each other. Observing scholars debate over some of the most detailed aspects of these contracts assured me that our Muslim faith is in good hands. It assured me that Allah has blessed us with scholars who differ in opinion but are united in their quest for the truth. I ask Allah to have mercy on our scholars, to cover and forgive their sins, and to make them amongst the people of paradise.

Ameen.

 

63 Comments

63 Comments

  1. Avatar

    abdul

    October 15, 2014 at 2:02 PM

    SubanAllah after reading this I am not sure what to do since I have guidance financial. Now the question comes is do we take any loan from this companies since all of them in one way or another unfair to the Muslim customers. Can’t even imagine living in Northeast to buy a house with full money down, any advise from anyone inshaAllah.

    • Avatar

      Adam Taufique (@adamtaufique)

      October 15, 2014 at 2:11 PM

      I thought they said that 1) housing in the US is a need and 2) you can use Guidance in the case of a need. Wouldn’t Guidance be permissible in that situation?

      Guess I’m unsure where your doubts are.

      • Avatar

        Zeeshan Mohammed

        May 19, 2016 at 7:13 PM

        That’s correct. The resolution from AMJA states that they believe buying a house in the US is a need, and you can use Guidance for this need.

    • Avatar

      Tamer

      October 15, 2014 at 2:11 PM

      I think the takeaway from this resolution by the AMJA scholars is that if you have a need to buy a house, then using Guidance or Ameen Housing is OK.

      • Avatar

        Zeeshan Mohammed

        May 19, 2016 at 7:16 PM

        Agreed. That’s exactly what the resolution is saying, and it goes as far as considering buying a house a general need of the Muslim’s in the US.

    • Avatar

      Mohammad Ali

      October 26, 2014 at 6:04 AM

      So it is not OK to finance your home through explicit riba but it is OK to do so if the “contract” is written in this way or that?

      Mahmoud El Gamal quotes classic Shari’a scholar Ibn Qayyum, in the following words: “It is impossible for the Law of the Wisest of the wise [God] that He would forbid a harmful dealing [riba, or usury], curse its perpetrators and warn them of a war from God and his Messenger, and then to allow a ruse to result in the same effect with the same harm and added transaction costs in constructing the ruse to deceive God and his Messenger.”

      I say: If you believe you have a dire need, take the home financing that suits you best, don’t try to fool yourself with contract mechanics, apply your common sense for God’s sake!

      • Avatar

        Mohamed Hussein

        October 27, 2014 at 10:34 AM

        There are many aspects of our religion that are governed by guidelines and technicalities. The essence of worship is to obey divine law. With that said, within Islamic finance, there are different mechanics and types of contracts. To equate them all is simply to be ignorant of them. What Dr. El-Gamal is referring to are contracts that simply mimic promissory notes. They certainly aren’t the perfect solutions to the problem, but are efforts to find a solution.

  2. Avatar

    Shahab

    October 15, 2014 at 2:15 PM

    Jazakallah khair for this eye opening article. Then perhaps the first order of business for Muslim Matters is to remove the advertisement banner for Guidance Financial that is on this site. this is the first thing to do in order to avoid putting muslims into sin.

    • Avatar

      Tamer

      October 15, 2014 at 2:50 PM

      I think you might be stepping your boundaries by calling out MuslimMatters as a promotor of sin! I believe the article (and the actual text of the resolution itself) are clear with regards to Guidance and others. They fall under the category of those who avoid Riba but they have constrains due to their relationship with fannie mae freddie mac. Those constrains are overlooked in the case of need (as defined above) in the case of Ameen and Guidance and in the case of dire need in the case of others who fall under that category.

      • Avatar

        Habib D.

        October 16, 2014 at 12:42 AM

        Have a look at this hadeeth:

        Abdullah ibn Mas’ud reported: The Prophet, peace and blessings be upon him, said, “Allah has cursed the one who consumes usury, its client, its witness, and its recorder.”

  3. Avatar

    Fahad M.

    October 15, 2014 at 2:31 PM

    I think even Muslims have fallen into the mind trap of
    thinking that owning a home is better than renting.

    but today, experts are telling us that the math is not adding up.
    The math tells us that owning a home does not make sense
    in today’s world

    Yes….its much better to own your own home, but not through
    financial institutions. They are designed to keep you locked in
    and imprisoned to a house for 30 years.

    Every person who I know who has tried to sell his home
    before completing the 30 year mortgage has incurred a loss.

    Also…owning a home is expensive. Here are a few things
    to think about:

    1) Property taxes (they keep going up every year)
    2) Maintenance (even in a newly built house, things will break and need fixing)
    3) More maintenance (you may have to pay for garbage removal, snow plowing, etc)

    Have a look here at the video by Khan Academy that will show you
    why the math just doesn’t add up.

    https://www.youtube.com/watch?v=JNL6f1xkie4

  4. Avatar

    Siraaj

    October 15, 2014 at 9:31 PM

    What I love is that people in the comments read the entire fatwa, not just the “general need” paragraph out of context. The contracts remain defective and one should only engage I’m them if the need crosses a threshold. They say it so many times, and even right after the general need speak about specific need varying on individual based on ability to rent. That also needs more clarity, but I’m happy this fatwa isn’t a blanket endorsement.

  5. Avatar

    Shoeb Sharieff

    October 16, 2014 at 6:32 PM

    Kindly note that :
    1) Customers apply to IjaraUSA directly
    2) Ownership goes to a Trust which is on title to the property for 100 % throughout the whole transaction – the trust does not sell the property to the customer, but leases it out (ijara concept)
    3) The transaction structure has been formally approved by Mufti Muneer Akhoon, Sh. Mufit Umer Esmail, and Imam Yahya.
    4) we are working with AMJA to clear up this confusion as one of their scholars is already our customer and another used our services to finance their Masjid in Katy and yet another to finance Islamic American University.

    • Avatar

      Khalid

      October 17, 2014 at 1:31 AM

      The mentioned scholars are not renowned at all for their IF expertise.

      Just because the scholars dealt with you in the past does not mean they have not changed their view now about your company. After detailed discussions with other scholars, they probably changed their opinion now. You might be approached by them to cancel their loans becuase they are unIslamic according to AMJA.

  6. Avatar

    Tamer

    October 16, 2014 at 7:12 PM

    Two things:

    Are you allowed to publicly announce that one of 7 people financed their home with your company? Also, the only one in Katy TX is Dr. Main AlQudah, are you saying that he is okay with your contract? Also do you have permission to announce that they’ve financed through your company?

    Secondly, when you participated with them in the conference, did you get a chance to present your contract? If so, what is/was your comapany’s response to the specified violations?

    :) im just curious

  7. Avatar

    nur

    October 16, 2014 at 7:29 PM

    we went through lariba bank to get our mortgage and they use a rent to own contract like Devon bank but it didn’t state that in the article. I am confused so did lariba lie to us, please if anyone has info regarding lariba please comment, JAK

  8. Avatar

    Khalid

    October 16, 2014 at 9:31 PM

    It’s interesting how the company is called LaRiba but out of all of the mentioned companies, they are the most involved in Riba! Once again Muslims hoodwinking other Muslims for worldly gain.

    • Avatar

      Tamer

      October 16, 2014 at 9:34 PM

      Why do we always presume the worst of each other? I’m sure those who are running LaRiba truly believe that their contracts are legit. I don’t believe that they knowingly are deceiving Muslims.

      • Avatar

        Khalid

        October 17, 2014 at 1:02 AM

        Scholars have been telling LaRiba for years that they are directly dealing with Riba, but the Asian scholars were ignored. We’ll see now if they listen to Arabic scholars.

      • Avatar

        Tamer

        October 17, 2014 at 1:22 PM

        Why Do you have to being race into this bro? Lol

        And just for the record, AMJA has also issued fatawa opposing LaRiba’s contract for the past 8 or so years ago.

      • Avatar

        DustonB

        October 21, 2014 at 8:55 AM

        Tamer, Khalid’s point is valid. He is bringing race into it because many groups of people purposefully ignore scholars of one ethnicity or another. “Oh, he’s a Pakistani Alim, his fatwa doesn’t apply to me because I’m Arab.” or “Oh, he’s a Malaysian Sheikh, his opinion is irrelelvant to Indian Muslims.”

        It happens A LOT and if you’ve never encountered it then alhamdulillah you are blessed; however racism is a HUGE problem among Muslims and we cannot ignore it.

        All Khalid is saying is that since they ignored the Asian scholars, maybe they will pay attention now that Arab scholars are saying it too. Meaning that they will be forced to look beyond their own bigotry.

        This exchange is important, I hope people don’t ignore it just because it is shaded out.

      • Avatar

        Tamer

        October 21, 2014 at 9:02 AM

        I’m afraid thats not really convincing. I agree that people, unfortunately Muslims included, have elements of racism. However, when it comes to money and halal-and-haram, I believe that Muslims follow those who posses knowledge because of their knowledge and not because of their race. Putting it in terms of Arabs vs Asians turns off the up and coming generation (me included) and creates (by bringing attention to) unnecessary divides (that although exists, no one wants to hear that his people are racist).

      • Avatar

        DustonB

        October 21, 2014 at 9:26 AM

        Tamer, you said “I believe that Muslims follow those who posses knowledge because of their knowledge and not because of their race”

        I wish I could believe that.

        I sincerely wish that I hadn’t personally heard disgusting and hateful bigoted statements coming from educated people against Scholars of other ethnicities.

        I wish that I had not heard people being denounced as “idiots” or “munafiq” because of where they came from or what their background ethnically was.

        The reality is that I’ve heard Arab scholars refer to Southeast Asian Alims as “stupid monkeys” while calling their fatwas (rooted in Qur’an and Hadith) “Idiotic ramblings”

        Racism is real, and somehow intellectualism hasn’t purged it.

        I sincerely wish that it wasn’t the case.

  9. Avatar

    Hamayoun

    October 16, 2014 at 10:05 PM

    Salam, can we get Guidance to comment on this?

    • Avatar

      Hamayoun

      October 21, 2014 at 9:51 PM

      Salam, that is very strange. That’s not the way I understand what AMJA said about Guidance.

    • Avatar

      Nasir Chhipa

      May 16, 2016 at 12:47 PM

      How can the Guidance Financed house is a Saraiah compliant? If he/she is claiming interest when filling tax return at the end of the year.

  10. Avatar

    Hassan

    October 17, 2014 at 9:08 AM

    This is weird, I read article differently. Why are you not highlighting the following part in most of their fatwa

    “Whoever remains away from it has kept himself safe and has protected his faith and honor. “

  11. Avatar

    Sharif

    October 17, 2014 at 10:28 AM

    Anyone have names of the smaller companies whose contracts are generally permissible but their ability to fulfill the needs of the general Muslim community are somewhat limited? “(2) Companies whose contracts are in agreement with Islamic law”

    Depending on the location and situation of the readers, those companies could be a viable option.

    Is there a list available somewhere?ra

  12. Pingback: Weekly industry update | Islamic Finance Expert

  13. Avatar

    DustonB

    October 20, 2014 at 4:51 PM

    Wow… I typed out a complete thought and it was blocked as being “spammy” even though there wasn’t a single link or anything of the sort.

    OK; simple statement then:

    My problem with all of these so-called Islamic Financial Institutions is that they have no provision for building a home from scratch.

    Basically Muslims aren’t allowed to have anything new, we have to buy used homes from non-Muslims.

    • Avatar

      Aly Balagamwala

      October 27, 2014 at 1:24 AM

      Dear DustonB

      We apologize for the inconvenience. Since spam filters in WordPress (the back-end for most websites) are not very customizable, sometimes valid comments seem not to go through. It possibly stems from a combination of things that combined create a red flag. We sincerely apologize for this. Thank you for taking the time to read and comment on MuslimMatters.org.

      WasSalamuAlaikum
      Aly Balagamwala

      Comments Team Lead

      • Avatar

        DustonB

        October 28, 2014 at 2:23 PM

        Salaam Alaikum,

        Thank you for the response on that issue. I appreciate it.

  14. Avatar

    Hustry

    October 20, 2014 at 10:49 PM

    Why not use the systems that muslims have been using for centuries? I’m sure this is not the first time in history that muslims wanted to buy houses? Maybe the historians should dig up the old records and see what we were doing before?

  15. Pingback: US Muslim Jurists Resolution on Islamic Finance Companies « Loan Marketplace

  16. Avatar

    Siraaj

    October 27, 2014 at 3:46 PM

    Guys, the investment industry as a whole in this country is a gigantic sham. There is more than enough academic and journalistic content to fill a lifetimes worth of reading discussing every single one of these scams. Wall Street has lobbyists galore selling us debt and investments to clear our bank accounts and fill their own pockets.

    Want an education? Take a loan that can’t be paid back to attend a big name university while will have zero impact on your life after you get in the door of your first job.

    Want a home? Don’t rent bro, buy a house because rent is just money down the drain – yearly property taxes, interest (or you can call it rent if you like), and maintenance costs on your personal time and finances are obviously not. Bad credit? No problem, here’s your sub-prime loan with jacked interest rates (sorry, “rent”).

    Want furniture – finance your furniture.

    Want to survive old age? Drop it in a 401(k), we’ll definitely make sure we only make safe investments.

    Please bear in mind that not one single one of these organizations escapes the “do this is if you absolutely must, it’s better not to” clause. If you want to test your own sense of taqwa about this, here’s the litmus test – upon seeing the fatwa, were you intent on buying the house that maxes out your creditworthiness? Or were you intent on getting a place to own because you “need” rather than emotionally want to spend on a house because everyone else does?

    If you truly “need”, I would like to see all of you avoid costly new homes, costly upgrades, costly anything. Buy a manufactured home for pennies on the dollar and put it on a property that doesn’t break the bank, that you can pay off within five – ten years. I sincerely doubt most people will do this.

    For solutions to all these issues:

    1. Stop investing your cash like lambs lead to the slaughter – invest it towards increasing your earning potential. Tech careers continue to explode and do not require a four degree, but mastery of the technology you want to work with.

    2. Learn to save money – learn how to save on groceries, learn how to purchase lightly used goods whose value only depreciates at significant discounts (cars, furniture, etc).

    3. Save up for a reasonably priced home that meets your needs – most people don’t need more than 2000 sq ft of home. Look into getting a manufactured home:

    https://www.google.com/?gws_rd=ssl#q=manufactured+homes

    In summary, don’t believe the hype. Every single org that has commented here and elsewhere stands to make money from your business. Most of you do not care about shari’ah compliance – you’re looking for the cheapest loan, and you’ve already determined, ironically, that despite the fatwas from various scholars who support one org (and not another, and vice versa), they are the exact same as banks, so you’re going for the bank loan.

    There’s a small percentage of you that want the home, but were waiting for a fatwa, and once you got it from anywhere, you were ready to take the loan. If you’re in this group, slow down and so do some more research.

    There’s a tinier percentage that remains skeptical, but still wants a home – what I’ve written above is mostly for you. You can have that home, but you need to be smart about it.

    And then there are the almost nonexistent people like myself who rent, who save up and pay cash for everything, who are thrifty, who mostly stay out of debt, and realize the system for what it is – do items #1 and #2, ignore #3, whoever said you can’t participate in society without home ownership doesn’t seem to have done their homework.

    • Avatar

      DustonB

      October 28, 2014 at 2:18 PM

      Akhee, no offense intended but if you really think that the average person can just “save up” for a manufactured home then you are way out of touch with reality.

      At 1400 square feet the manufactured home that my wife and I are getting is still going to be $145,000

      Do you really think that the average person can just “save up” that amount of money?

      • Avatar

        Siraaj Muhammad

        October 28, 2014 at 7:09 PM

        Absolutely. Have you researched how “average” people are buying homes without debt? I would encourage looking into this.

        Groceries are one of the biggest expenses. Strategic couponing can cut grocery bills over 90 – 95%. Have you investigated this?

        What is your profession? Have you first considered upgrading your professional skills and then saving for a home?

        • Avatar

          DustonB

          October 29, 2014 at 12:18 PM

          Siraaj, Median household income in the United States is $44,000
          How can a family with a household income of $44,000 buy a house without taking out some sort of loan?

          In order to save up the $150,000 it would take to buy a modest home it would take nearly 20 years to save up the money barring any emergencies and assuming that they are able to find an apartment to fit the family for less than $1000 per month.

      • Avatar

        DustonB

        December 3, 2014 at 9:47 AM

        Siraaj, you’re still not answering my questions.

        It’s okay to admit that you’re wrong.. it doesn’t make you a lesser person just because you hadn’t considered a perspective outside of your personal experience.

  17. Avatar

    Yasir S.

    November 10, 2014 at 5:03 PM

    Assalam U Alaykum,
    I was comparing Guidance & University Islamic Financial for last couple of months for buying a home at right time and did lots of research. I saw AMJA ruling on MM web site on weekend which puzzled me more. With all due respect to AMJA scholars, I do not see any difference on both besides financing model or contract but no sure why scholars have little bit favorable ruling for Guidance.
    Guidance is using this ruling as the only Sharia compliant company in USA which is totally wrong. I think AMJA should clarify their position on Guidance’s claim.

    Here is why I do not see any difference:
    1: Both works with Freddie Mac but AMJA ruling did not mentioned about Guidance.
    2: Both charge late fee but AMJA ruling mentioned about Ameena but skipped Guidance…
    3: AMJA mentioned insurance payout for Devon & UIFC but this applies to all companies regardless of Musharikah or Murabaha. Insurance company always issues a check for both mortgagee & customer for repair. If house fully paid off then check will go to customer only. Even if we consider it is ok to have both names for Guidance because of Musharikah then Guidance should keep portion of claim as their % of share but they do not or cannot.
    4: Bank’s right to freeze the purchaser’s account: This applies to all contracts but AMJA mentioned only for Devon & UIFC… I don’t think anyone can freeze account because of suspicion until customer stopped making payments. Please keep in mind both UIFC & Guidance follow same investor FREDDIE MAC guidelines.
    5: Bank’s right to declare property in default mentioned for Devon & UIF. Same rule applies to any company who work with Freddie.
    I apologize if I offended anyone but based on my experience and little research I don’t see any difference between UIFC & Guidance unless someone can explain.
    Jazzak Allah Khair.

    • Avatar

      asim

      October 26, 2016 at 5:46 PM

      I agree with you. I went by the Fatwa as well and purchased a house through Guidance. I see no difference in terms of paying back loan. It is same as the regular bank. I feel betrayed and am frustrated. You would think that Im not a scholar in Islamic finance but any lay person who pays a monthly mortgage bill would understand that so called islamic banks are not much different than the regular banks.

  18. Avatar

    Samuel

    November 16, 2014 at 9:14 AM

    I am puzzled by this declaration by US Muslim Jurists Resolution on Islamic Finance Companies as one of these companies listed OK to do business with sold my brother’s mortgage loan after few months to another conventational bank. I would like to see more documentation published AMJA backing their “fatwa” declaring some banks halal and some are not.

  19. Avatar

    kamal hassan

    December 2, 2014 at 11:45 AM

    I need some one realy to convince me with,: Now if i rent i will pay around $1200-$1400 a month, where if i buy a house will cost me around $900 and the house will be mine, where when you rent you throw money a way. Where the sense in this matter. And by the way when you pay your mortgage of $900 a month for example, you will get about half of that back in the saving if you pay 3% interest. where the 3% doesnt cover the bank expenses to cover the loan.

  20. Avatar

    DustonB

    December 3, 2014 at 9:51 AM

    I notice that NONE of the Islamic finance institutions have stopped in to explain why they refuse to provide any form of loan or financing package for the construction of new homes.

    If their structure doesn’t allow for new home construction then I challenge that the entire structure is flawed and cannot possibly be 100% Islamically compliant.

    • Avatar

      SS

      January 13, 2015 at 12:31 AM

      http://www.amjaonline.org/en/articles/entry/amja-resident-fatwa-committee-resolution-about-islamic-home-financing-companies-in-the-us

      AMJA resolution about Islamic Home Financing Companies in the US

      The AMJA Fiqh Committee Resident Fatwa Committee met in Houston on the 20-22 of Dhul-Qadah 1435 A.H. (September 15-17 2014 C.E.) in order to issue a resolution concerning Islamic Home Financing in the United States. This meeting took place after an entire conference had previously been held on this topic, in which papers were discussed in the presence and with the participation of representatives of most of the relevant companies. This was followed up by correspondence between the Resident Fatwa Committee Fiqh Committee and those companies with an attempt to clarify and respond to the Shareeah issues that are present in their contracts. Sh. Jamaal Zarabozo (may Allah preserve him) also participated in this meeting in Houston. Click here read the full declaration
      Ameen Housing: (See updated Fatwa below) They are based on a diminishing partnership with rent to own ending in ownership model in their relationship to the purchaser. Their contracts are not sold to the federal institutions [such as Freddie Mac]. They also avoid explicit interest in their transactions. However, their contract does contain some Shareeah objections glitches, such as unfairness in the percentage that they discount in the rent to take care of basic maintenance, expenses that be more or less than that discounted amount. Additionally, they have just introduced a late payment fee [which is another violation of Shareeah principles].
      The ruling of the RFC Committee is that there is no harm in dealing with this company in case of need, although one should do one’s best to make one’s payments on time in order to avoid the late payment fee. The Committee also encourages the company to abstain from those aspects pointed out by the Committee.
      Addendum about Ameen Housing contract (As for Jan 2015)
      All praise be to Allah, the Lord of the Worlds, and may the blessings and peace be upon the final Prophet and upon all of his family and Companions.
      The Fiqh Committee of AMJA had issued a declaration explaining the issues in the contracts of the Islamic Home Financing Companies in the United States. That ruling was based on the contracts that they used at the time of the issuing of that declaration. With respect to Ameen Housing, two issues were of major concern. One was the late payment fee when a person paid his rent late and the other was the issue of the cost of maintenance being properly distributed between the two parties wherein Ameen returned a fix percentage of the rent to the buyer/renter regardless of the actual amount of maintenance expenses.
      After the issuing of that declaration, Ameen Housing—may Allah reward them for responding positively to that declaration—have now discontinued their late payment fee policy and have clarified to the Committee that the distribution of the maintenance expenses is handled in a way that is just.
      Based on the above, the Fatwa Committee now rules that the contracts that Ameen Housing is now using are consistent with the laws of the Shareeah. We have now no Shareeah objection to their practice and it is permissible for Muslims to purchase homes through them.

      • Avatar

        DustonB

        January 13, 2015 at 9:47 AM

        Thank you for completely wasting your time and not coming close to addressing the issue that I raised. By all means, continue posting long paragraphs of useless information.

  21. Avatar

    SS

    January 13, 2015 at 12:33 AM

    Addendum about Ameen Housing contract (As for Jan 2015)
    All praise be to Allah, the Lord of the Worlds, and may the blessings and peace be upon the final Prophet and upon all of his family and Companions.
    The Fiqh Committee of AMJA had issued a declaration explaining the issues in the contracts of the Islamic Home Financing Companies in the United States. That ruling was based on the contracts that they used at the time of the issuing of that declaration. With respect to Ameen Housing, two issues were of major concern. One was the late payment fee when a person paid his rent late and the other was the issue of the cost of maintenance being properly distributed between the two parties wherein Ameen returned a fix percentage of the rent to the buyer/renter regardless of the actual amount of maintenance expenses.
    After the issuing of that declaration, Ameen Housing—may Allah reward them for responding positively to that declaration—have now discontinued their late payment fee policy and have clarified to the Committee that the distribution of the maintenance expenses is handled in a way that is just.
    Based on the above, the Fatwa Committee now rules that the contracts that Ameen Housing is now using are consistent with the laws of the Shareeah. We have now no Shareeah objection to their practice and it is permissible for Muslims to purchase homes through them.

  22. Avatar

    DustonB

    January 13, 2015 at 9:54 AM

    This whole conversation is just underscoring a fundamental disconnect that most Muslims seem to have from the reality of the American experience. an overwhelming majority of immigrant Muslims came here based on their high level of professional skills and therefore obtained occupations in the high income brackets, which then led to their children having a huge advantage in educational opportunities.

    There’s nothing wrong with that and I have nothing against them for that. Alhamdulillah for their success.

    However, they seem to think that the experience they have with household incomes in the six figures is the norm in America and don’t have any comprehension that there are literally MILLIONS of Muslims in American who are struggling to get by and who have no choice but to take a loan in order to get a house or else be stuck renting for the rest of their lives.

    I’ll say again, the median income for America is $44,000. If your plan does not include or help people in that income bracket then your plan is already flawed.

    If your plan has no place for people below that bracket then it is also challenged.

    Islam is a pathway for all people, as a way of life for all people any method must somehow apply for all people. If it doesn’t, then it is not fully Islamically compliant.

    • Avatar

      Ahmed

      August 5, 2015 at 4:20 PM

      While it would be great if every Muslim can be financed through these companies, it’s simply not possible. These aren’t charity organizations and it’s their right to make a profit. If they just approved everyone, they would go out of business. Then instead of having some companies which are permissible to deal with, you’ll end up with no company.

      If a Muslim in America needs to buy a house and cannot get approved by any of the permissible organizations, God will be forgiving if that Muslim decides to go with a conventional bank.

  23. Avatar

    Kamran

    April 27, 2015 at 4:48 PM

    Just two days ago I asked two different sheikhs about if there was any shariah-compliant home-financing scheme with which they agree. They both separately said about guidance:

    First one: It is halal but not the spirit of Islam.

    Second one: I think guidance is halal because giants like Taqi Usmani and Sheikh DeLorenzo have endorsed it. Moreover, we once had Q/A with Sheikh DeLorenzo and he was able to answer all our questions.

    Thought I would share.

  24. Avatar

    Rashid

    March 12, 2016 at 4:29 PM

    What are the names or websites address of those who qualify under AMJA Fitwa.
    thanks

  25. Avatar

    Rashid

    March 12, 2016 at 4:30 PM

    What are the names or websites address of those who qualify under AMJA Fitwa in Canada.
    thanks

  26. Avatar

    S

    April 27, 2016 at 1:46 PM

    Please reply with the valid companies in Canada. Thank you.

  27. Avatar

    Burned by AHC

    November 23, 2016 at 4:42 PM

    I would NOT recommend Ameen Housing to anyone, honestly. I am trying to get out of my home ownership contract with them. They keep increasing the rent on you and charge your exorbitantly to exit. At this point, it look like I will have paid them $60K more in less than three years than what I would have paid the alternate Islamic model I’m trying to change to.

    • Avatar

      PotentialBuyer

      November 29, 2016 at 4:12 PM

      @BurnedbyAHC, would you please let us know which alternate financing you’re going for?

  28. Avatar

    Arjmand

    September 4, 2017 at 11:11 PM

    @BurnedbyAHC Assalamu alaykum. May Allah make ease in your affairs. Can you please give more details? I am considering Ameen Housing so I want to know everything beforehand.

  29. Avatar

    Shamini Rajendram

    January 29, 2018 at 6:19 PM

    I brought this article up to LARIBA in my dealings with them, this was their reply:

    Yes, we are aware of AMJA. We tried to contact them through our Shari’aa scholar Dr. Muhammad Adam Sheikh – a Temple University Ph.D. in Islamic Studies – and Secretary of Fiqh Council of ISNA without success.

    We had two options to respond:
    1. To enter into attacks and counter attacks which would bring us into the sad culture of the Middle East, or
    2. To find a world famous INDEPENDENT Shari’aa Audit company that looks at our work in great details and decide if we are Shari’aa compliant or not.

    We found: RAQABA; a World renowned Independant Audit company with offices in London and in North Carolina. It is headed by a world famous scholar: Dr. Abdubari Mashaal who was Shari’aa scholar at Alrajhi – the largest Islamic Bank in Saudi Arabia and Kuwait Finance House.

    https://www.linkedin.com/in/abdulbarimashal/ and
    https://www.zoominfo.com/p/Abdulbari-Mashal/1817458356

    After reviewing our work for 3-months and going through our process, they issued an audit report on our UNIQUE finance model based on Baiul Istithnaa. Their conclusion is LARIBA model is Shari’aa Compliant. We also AUDIT our finance operations annually by Raqaba.

    I am pleased to attach the Shari’aa Audit in Arabic and in English. Also, the Research Paper on our Model published by the TOP Islamic Finance Shari’aa Ressearch (can be found at https://www.lariba.com/Independent_Shari'a_Auditor_s_Report-English.pdf )

  30. Avatar

    M. Ali

    April 12, 2018 at 7:46 AM

    In my opinion there is no difference among all those So called Islamic Finance and average non Islamic bank, The matter fact I think getting a conventional loan with fixed interest rate from any Non Islamic Bank is much better an straight forward transaction….All these Islamic banks are non Islamic due to the matter fact their system built on twisting Islamic rules into their favor and very much they use interest but in different language, they change the terms of interest into utilization fee; that is insane and if you really want to help Muslim community you need to really help Muslim community by raising money for who is in needs and not make them pay THREE time the price of the house and call this murabaha, that is BS! if you want Murabaha dont balloon the price to make Muslim suffer more, where is the mercy and helping signs when you charge excessive rent and your profit is guaranteed, that is not sharing!, If you want to help I will suggest this Method of profit:
    If I find a house in the price for example $300k, here are the steps it should be taken:

    1- Since the Bank have all cash money, go and bargain with the seller to get the house for 10 to 20% cheaper and I am sure you can since you are going to be a cash buyer and this will make the purchase price about $250k.

    2- I as a buyer will agree to buy the house for the price from 300k to $350k it depends on how long will take me to pay the house, VS $700k when you use interest or rent to own excessive fees.
    Most of these Islamic banks are here for profit and not for helping Muslim community, they are out their to help them self for profit and nothing wrong with that, But the problem is when you use Islamic terminology as a selling tools, that is the problem and this what GOD prohibited.
    I dare those So called Islamic banks to show me what is the benefit of using them over non Islamic banks, ,,Just name one!

  31. Avatar

    Arjmand

    July 10, 2018 at 9:33 AM

    Assalamu alaykum,

    What about Ameen Housing? Are they the same?

  32. Avatar

    Bob Hannah

    February 28, 2019 at 8:01 PM

    The scholars forgot or chose to ignore the modernist Islamic view that riba was the exploitive moneylending to the poor as practiced at the time of the prophet. It is not the same as interest in modern regulated financial markets.

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Dawah and Interfaith

10 Lessons I Learned While Serving Those in Need

Abu Ryan Dardir

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charity
Which deeds are most beloved to Allah?

Alhamdulillah, by the blessings of Allah (swt) and readers like yourself, MuslimMatters has been an independent platform for our best thought leaders to educate us in our faith and catalyze change through powerful, necessary conversations. Since our humble beginnings as a basic wordpress blog in 2007, our content has remained free.

The Prophet (SAW) has taught us the best of deeds are those that done consistently, even if they are small. Click here to support us with a monthly donation of $10 per month, or even as little as $1. Set it and collect blessings from Allah (swt) for the khayr you're supporting without thinking about it.

I have spent about a decade serving the impoverished domestically and recently, abroad. I don’t work for a major charity organization, I work for my community, through grassroots efforts. It was something embedded in me while learning Islam. Before starting a charity organization, I started studying Islam with Dr. Hatem Alhaj (my mentor) and various other scholars. The more I studied, the more I wanted to implement what I was learning. What my community needed at the time was intensive charity work, as it was neglected entirely by our community. From that, I collected 10 lessons from servicing those in need. 

My bubble burst

One of the first things I experienced was the bursting of my bubble, a sense of realization. I, like many others, was unaware of the hardship in my own community. Yes, we know the hadith and see the events unfold on the news and social media, but when a father of three cried before me because a bag of groceries was made available for him to take home, that moment changed me. We tend to forget how little it takes, to make a huge difference in someone’s life. This experience, made me understand the following hadith of the Prophet Muhammad (peace be upon him): “Every Muslim has to give in charity.” The people then asked: “(But what) if someone has nothing to give, what should he do?” The Prophet replied: “He should work with his hands and benefit himself and also give in charity (from what he earns).” The people further asked: “If he cannot find even that?” He replied: “He should help the needy, who appeal for help.” Then the people asked: “If he cannot do (even) that?” The Prophet said finally: “Then he should perform good deeds and keep away from evil deeds, and that will be regarded as charitable deeds.” – Sahih Al-Bukhari, Volume 2, Hadith 524. I

t is simply an obligation, due to the amount of good it generates after you do this one action. I then realized even more how beautiful Islam is for commanding this deed. 

Friendships were developed on good deeds

Serving the poor is a great reward in itself. The Prophet Muhammad ṣallallāhu 'alayhi wa sallam (peace and blessings of Allāh be upon him) said: “Save yourself from hellfire by giving even half a date-fruit in charity.” – Sahih Al-Bukhari, Volume 2, Hadith 498. But it is better done with a team, I began building a team of people with similar objectives in serving the needy. These people later became some of my closest friends, who better to keep close to you than one that serves Allah subḥānahu wa ta'āla (glorified and exalted be He) by helping the neediest in the same community you reside in. Prophet Muhammad ṣallallāhu 'alayhi wa sallam (peace and blessings of Allāh be upon him) said: “A person is likely to follow the faith of his friend, so look whom you befriend.” [reported by Abu Dawood & Tirmidhee] This is turn kept me on the right path of pleasing Allah subḥānahu wa ta'āla (glorified and exalted be He). Working with a team removes a lot of the burden as well and the depression that might occur seeing the saddest stories on a daily basis. Allah says in the Qur’ān, “Indeed the believers are brothers.” (49:10). Sometimes there is a misconception that you have to have a huge office or a large masjid in order to get work done. But honestly, all you need is a dedicated group of people with the right intention and things take off from there. 

The Prophet Muhammad (peace be upon him) said: 'If you love the poor and bring them near you. . .God will bring you near Him on the Day of Resurrection.' - Al-Tirmidhi,Click To Tweet

Made me thankful

This made me thankful for whatever I had, serving the less fortunate reminded me daily to turn to Allah and ask for forgiveness and so be thankful. This kind of service also puts things into perspective. What is truly important in life? I stepped further and further away from a materialistic lifestyle and allowed me to value things that can’t be valued by money. I learned this from the poorest of people in my community, who strived daily for their family regardless of their situation — parents who did what they can to shield their children from their harsh reality. The Prophet Muhammad (peace be upon him) said: “If you love the poor and bring them near you. . .God will bring you near Him on the Day of Resurrection.” – Al-Tirmidhi, Hadith 1376. They had a quality about them, despite their poverty status. They were always some of the kindest people I have known. 

People want to do Good

I learned that people want to do good; they want to improve their community and society. I began to see the impact on a communal level, people were being more engaged. We were the only Muslim group helping indiscriminately in our county. Even the people we helped, gave back by volunteering at our food pantry. We have schools where small kids (under adult supervision) partake in preparing meals for the needy, local masajids, churches, and temples, high school kids from public schools, and college organizations (Muslim and nonMuslim) visit frequently from several cities in neighboring counties, cities, and states. The good spreads a lot easier and faster than evil. People want to do good, we just need more opportunities for them to join in. United we can rock this world.

“We need more light about each other. Light creates understanding, understanding creates love, love creates patience, and patience creates unity.” Malcolm X. Click To Tweet

Smiles

Smiles, I have seen the wealthiest smiles on the poorest people. Despite being on the brink of homelessness, when I saw them they had the best smile on their faces. This wasn’t all of them, but then I would smile back and that changed the environment we were in. The Prophet Muhammad (peace be upon him) said: “Charity is prescribed for each descendant of Adam every day the sun rises.” He was then asked: “From what do we give charity every day?” The Prophet answered: “The doors of goodness are many…enjoining good, forbidding evil, removing harm from the road, listening to the deaf, leading the blind, guiding one to the object of his need, hurrying with the strength of one’s legs to one in sorrow who is asking for help, and supporting the feeble with the strength of one’s arms–all of these are charity prescribed for you.” He also said: “Your smile for your brother is charity.” – Fiqh-us-Sunnah, Volume 3, Number 98. Smiles are truly universal.

It’s ok to cry

It was narrated that Abu Hurayrah raḍyAllāhu 'anhu (may Allāh be pleased with him) said: The Messenger of Allah said: “A man who weeps for fear of Allah will not enter Hell until the milk goes back into the udder, and dust produced (when fighting) for the sake of Allah and the smoke of Hell will never coexist.” Narrated by al-Tirmidhi and al-Nasaa’i. There are situations you see that hit you hard; they fill your heart with emotions, but that never swayed my concrete belief in Allah’s wisdom. Crying before Allah, not just out of fear, but to be thankful for His Mercy upon you is a relief.

Learning to say no

It was one of the hardest things I had to do, a lot (if not all) of the requests I received for help were extremely reasonable. I do not think anyone asked for anything outrageous. Our organization started becoming the go-to organization in our area for help, but we are one organization, with limited resources, and a few times we were restricted on when or how we could help. This is where learning to say no became a learned skill. Wedid do our best to follow up with a plan or an alternative resource.

It is part of raising a family and finding yourself

How so? Being involved in your community doesn’t take away from raising your family, it is part of it. I can’t watch and do nothing and expect my children to be heroes. I have to lead by example. Helping others is good for my family’s health. Many people living in our country are consumed with their busy lives. Running out the door, getting to work, driving the kids to their after school activities, spending weekends taking care of their families, etc. So people have a fear of investing hours in doing this type of work. But in reality, this work puts more blessings in your time.

One may feel they are taking time away from their family, but in reality, when one comes back home, they find more peace in their home then they left it with. By helping others, I improve the health and culture of my community, this in turn positively impacts my family.

I enjoy being a softie with my family and friends. I am a tall bearded man, and that image suited me better. I am not sure what made me softer, having kids or serving the poor. Either way, it was rewarding and defined my role and purpose in my community.

I learned that you make your own situation. You can be a spectator, or you can get in there and do the best you can to help. It gave me an opportunity to be a role model for my own children, to show them the benefit of doing good and helping when you can.

It came with a lot of humility. Soon after starting I realized that all I am is a facilitator, Allah subḥānahu wa ta'āla (glorified and exalted be He) is giving an opportunity of a lifetime to do this work, a line of work very little people get to engage in regularly. My advice to my readers, if you can serve the poor do so immediately before you get occupied or busy with life.

Helping others is good for my family’s health.Click To Tweet

Dawah through action

As I mentioned before I did spend time studying, and at one point developed one of the top dawah initiatives in the country (according to IERA). But the reality is, helping the less fortunate is my type of dawah, people started to associate our food pantry and helping others with Islam. As an organization with one of the most diverse groups of volunteers, people from various religious backgrounds found the environment comfortable and hospitable. I began working with people I never would have worked before if I had stuck to traditional dawah, studying, or masjid involvement, all of which are critical. This became a symbol of Islam in our community, and while serving, we became those that embodied the Quran and Sunnah. For a lot of those we served, we were the first Muslims they encountered, and Alhamdulilah for the team we have. Allah subḥānahu wa ta'āla (glorified and exalted be He) also says in the Quran: “So by mercy from Allah, [O Muhammad], you were lenient with them. And if you had been rude [in speech] and harsh in heart, they would have disbanded from about you” (3:159). It is our actions that can turn people away or towards Islam.

Once you serve the needy, you do this for life

I wasn’t volunteering on occasion,— this was an unpaid job that was done regularly. I got requests and calls for emergencies daily at times. It took up hours upon hours every week. As a charity worker, I developed experience and insight in this field. I learned that this was one of the best ways I could serve Allah [swt. “They ask you (O Muhammad) what they should spend in charity. Say: ‘Whatever you spend with a good heart, give it to parents, relatives, orphans, the helpless, and travelers in need. Whatever good you do, God is aware of it.'” – The Holy Quran, 2:215

I believe the work I do with the countless people that do the same is the best work that can be done in our current political climate and globalization. My views and thoughts have evolved over the years seeing situations develop to what they are today. This gave me a comprehensive outlook on our needs as a society and allowed me to venture off and meet people top in their fields like in social activism, environmentalism, labor, etc.

I want to end with three sectors in society that Muslims prosper in and three that Muslims can improve on. We strive on individual education (noncommunal), distributing and organizing charity, and more recently being politically engaged. What we need to improve on is our environmental awareness, working with and understanding unions and labor rights, and organizing anti-war movements. 

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#Life

Looking To Get Married? Here Are A Few Tips

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will you marry me?
Which deeds are most beloved to Allah?

Alhamdulillah, by the blessings of Allah (swt) and readers like yourself, MuslimMatters has been an independent platform for our best thought leaders to educate us in our faith and catalyze change through powerful, necessary conversations. Since our humble beginnings as a basic wordpress blog in 2007, our content has remained free.

The Prophet (SAW) has taught us the best of deeds are those that done consistently, even if they are small. Click here to support us with a monthly donation of $10 per month, or even as little as $1. Set it and collect blessings from Allah (swt) for the khayr you're supporting without thinking about it.

It is a truth universally acknowledged that single young Muslims, despite not being in possession of any fortune, are always in search of a spouse.

However little prepared these people may be to undertake this ordeal is given little thought, and they are thrust out into the world of modern Muslim matchmaking. The generational divide in the community has meant that young people have received little training at home to navigate the process of finding a spouse. These individuals are seeking high-quality relationships, but few have the skills and emotional intelligence needed to find one. They are left to learn on their own through trial-and-error, and often a lot of pain.

With hopes of making this journey a little easier, we’ve compiled a few principles to keep in mind as you tread these cold uncharted waters.

You won’t attract what you want, you’ll attract what you are. Do you find in yourself the qualities that you seek in another?Click To Tweet

1. Work on yourself

You won’t attract what you want, you’ll attract what you are. Do you find in yourself the qualities that you seek in another?

Aspire to be self-fulfilled and complete on your own, rather than hoping for someone else to do that for you. Operationally, this entails refining both your inner and outer self. On the outside this could include basic things like being well-groomed (especially for men), knowing how to cook a healthy diet, exercising regularly and supporting yourself financially. You should also ensure you have good relationships with loved ones – do the people you care about love you back? Admit any wrongs you may have done to them and make amends to improve ties if they are strained. The state of your current relationships can be a good indicator of future ones.

On the inside, you should make a moral inventory and work to address your shortcomings in character. You must work on your selfishness, your anger, your dishonesty, your lust, your pride, your stinginess, your harshness, your resentments, your stubbornness, your fears, your jealousy, your self-righteousness, your vanity. This list is never ending and it’s a lifelong process; the sooner you get started the better off you’ll be.

You must also get help for any serious problems that you fear might affect a relationship – instead of hoping these problems will go away with the ‘right partner’. If you have a pornography problem, seek out help and don’t be deluded into thinking marriage will solve that for you. If you have no control over your desires before marriage, you won’t magically gain control afterward. If you have a substance abuse problem, join a 12-step program. If you feel you are emotionally unhealthy, get help from a professional. Bottom line is, have your house in order before you decide to build a new one.

2. Maintain good mental health throughout the process

Be purposeful in your search but don’t make it the purpose of your life. The process of finding a spouse can become emotionally draining and overwhelming if you don’t do it in a healthy fashion. Understand that this process entails too many factors that are completely out of your control; things won’t always go your way, so don’t be too attached to the outcome.  The only things you control are your responses and actions, so just focus on putting your best foot forward.

A common mistake people make is they give themselves a timeline e.g. ‘I want to be married by X age, or by X year’. This only results in unnecessary pressure that can lead to anxiety and poor mental health; it can also force one to make imprudent choices. Everyone has a different timeline; have trust in God’s plan for you.

Anytime mental health is disturbed, stop and revaluate. Some signs of poor mental health include: obsessive thinking, inability to focus on your everyday affairs, compulsive attachment and clinginess, disturbed sleep, anxiety, difficulty making decisions, inability to multitask, feeling overwhelmed, panic attacks, depression, irritability, changes in eating habits, and a loss of inner serenity. It is best to get help from counselors, such as those at Naseeha, if you feel stuck in this situation.

3. Adopt a mindset of giving

The measure you give is the measure you get back. Instead of worrying so much about what you want, focus on what you have to offer.

While you should certainly express your interest in someone you like, don’t taint it with desperation and neediness. If you’ve implemented the first point mentioned, you are already a confident and self-sufficient person. You will be fine no matter what. Focus on giving without expectation and building a healthy companionship. Be a giver and you’ll be surprised how easily you will attract the right people towards you. The ‘mindset of want’ is a self-defeating mindset: you might not find all the things you want in someone, and even if you did, there is no guarantee they’ll want you back!

4. Don’t overthink it

Living in a capitalist society, we’ve developed the bad habit of picking out people the same way we go shopping for a new product. We like to explore the market, do a cost-benefit analysis of various options, try to make sure the product isn’t damaged and hope to pick out the best possible item. We are careful about how we ‘invest our time’ and we try to ensure we can get an appropriate return on our investment. If we could, we’d ask for a money-back guarantee on people too!

Human hearts, unfortunately, cannot be picked out the way we choose commercial products. Each has its flaws and its strengths, you have to accept both the good and the bad; the pro-con list approach won’t work here. When we start taking this reductionist approach to relationships, we naturally get into overthinking, feel anxious and overwhelmed. With the widespread use of online dating, the choices seem limitless and it can seem impossible to try to figure out how to find the right person.

Marriage is a decision that’s to be taken with the heart; you have to rely on your guts and your instincts to steer you towards the person most suitable for you. This doesn’t mean throwing rational thought out the door, it means looking to your inner-self as the source of motivation for your decision making. It takes emotional intelligence and self-awareness to be able to determine what kind of a person you’ll be able to build a future with; it’s not always someone that looks best on paper. There are very few people with whom you’ll find compatibility and reciprocity, so don’t obsess over exploring as many possible ‘options’ with hopes of marking off all the items on your checklist.

We ultimately find the most fulfillment in caring for and taking responsibility for someone we sincerely love. So, look instead for the ingredients that will act as the foundations of love in your marriage. These could include the fact that you: enjoy someone’s company, find them beautiful, admire their character and kindness, respect them, find reciprocity in your interactions, have shared values and compatible temperaments. You are looking for that certitude, that good feeling in your heart; focusing on these factors will hopefully give you that and will get you out of the common mistake of overthinking and worrying.

One of the unique challenges Western Muslims face when looking for a spouse is finding religious compatibility. The diversity of our community, coupled with the individualized nature of faith in the West, has given rise to a plethora of ‘brands’ of Islam. Click To Tweet

5. Work to bridge religious differences

One of the unique challenges Western Muslims face when looking for a spouse is finding religious compatibility. The diversity of our community, coupled with the individualized nature of faith in the West, has given rise to a plethora of ‘brands’ of Islam. Personal levels of observance can vary vastly, even within members of the same family, so it can be challenging to find the right fit.

You will always find differences in religious observance and views between spouses. It is impossible, and foolish, to try to seek out someone at the exact same level. Some people might be more conservative than you, some might be more liberal. Do you really have to turn someone down because they don’t agree with your views on conventional mortgages? What if you like dressing up for Halloween and going trick-or-treating, and they’re opposed to it? What if they don’t eat zabiha halal like you do? What if they don’t pray all the five prayers on time like you were raised to do so?

Given the unique circumstances we live in, we must be flexible and open-minded about resolving such differences. We ought to be careful when making a judgment about someone’s beliefs; we don’t know what’s in someone’s heart. Some of us were taught to honour God through worship and observing His law, some of us were raised with an emphasis on serving His creation with good character. People have their strengths and their weaknesses in faith; sometimes these are apparent, sometimes hidden. Your relationship with God is not perfect and neither will be your partner’s; we are all a work in progress.

If approached with kindness, mutual respect and a willingness to compromise, these differing religious views could be resolved in many cases. While sometimes people really are on extreme ends, most of us fall somewhere in between and can find a comfortable middle ground. It is often our stubbornness, self-righteousness and a parochial understanding of religion that gets in the way. Good people are hard to find, so don’t let suitable matches go because they don’t follow your exact flavor of religious observance. This is certainly a sensitive topic and needs to be dealt with tact and wisdom; it is advisable to seek counsel of more experienced people.

6. Don’t expose your past and don’t pry about someone else’s

If you have a past you are not proud of and it doesn’t concern your future relationships, you should not feel obliged to expose yourself. In fact, if this relates to sins of the past, it is actually prohibited to reveal your sins to someone else – even in the context of marriage. Shaykh Nuh Keller summarizes this pitfall well, “In Islam, to mention a sin is itself a sin. How many a person has been unable to resist telling a friend or a spouse of the wickedness they did in their previous life, and Allah punished them with disgust and contempt in the other’s heart that could never quite be forgotten! There is no barakah in the haram”.

Similarly, it goes without saying that you shouldn’t be prying about someone else’s past and trying to dig up details on their misadventures. The Prophet ṣallallāhu 'alayhi wa sallam (peace and blessings of Allāh be upon him) commanded us to have a good opinion of people; he warned against the destructive nature of suspicion and spying. He told us, “Beware of suspicion for it is the most deceitful of thought. Do not look for the others’ faults and do not spy, and do not be jealous of one another, and do not desert (cut your relation with) one another, and do not hate one another; Rather, be servants of God as brothers”

7. Istikhara is not a solution for indecisiveness

The prayer of seeking guidance, or Istikhara, is oft cited by those considering marriage. The mistake many make, however, is that we are really wishing for someone else to make the decision for us. We are so afraid of making the wrong decision that we find it difficult to make any. We hope for a divine sign or a miracle to happen that tells us that the other person is right for us and that we will live happily ever after with them.

Making big life decisions, emotionally prudent ones, is an important life skill that must be learned. These decisions come with inherent risks, uncertainties, and unknowns; there are no guarantees. If you habitually find yourself having a hard time deciding, it is likely due to external factors. It might have something to do with you, it might have something to do with the person you are considering. It is advisable to seek counsel if you are in this situation.

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Loving Muslim Marriage Episode #6: Is it Taboo to Talk About Sex?

Saba Syed (Umm Reem)

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Is talking about sex a taboo in Islam? Religiously, not at all. Culturally though, that's a different story.Click To Tweet
On one hand we are completely stone-walling sex or anything related to sex any issues that people can have with sex, and on the other hand we still live in this country, we still have TV, we still have books, we still have the internet, I don’t understand how these two, almost diametrically opposed philosophies on sex can co-exist in one person’s mind. Click To Tweet
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