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US Muslim Jurists Resolution on Islamic Finance Companies




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 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.


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.





  1. Avatar


    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


      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


    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


      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.

  4. Avatar


    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


      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


    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


    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


    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


      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


        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


        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


        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


        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


        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


    October 16, 2014 at 10:05 PM

    Salam, can we get Guidance to comment on this?

    • Avatar


      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


    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


    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

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  13. Avatar


    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

      Aly Balagamwala

      Comments Team Lead

      • Avatar


        October 28, 2014 at 2:23 PM

        Salaam Alaikum,

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

  14. Avatar


    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?

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  16. Avatar


    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:

    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


      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


          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


        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


      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


    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


    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


      January 13, 2015 at 12:31 AM

      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


        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


    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


    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


      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


    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


    March 12, 2016 at 4:29 PM

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

  25. Avatar


    March 12, 2016 at 4:30 PM

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

  26. Avatar


    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


      November 29, 2016 at 4:12 PM

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

  28. Avatar


    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. and

    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'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


    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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Our Struggles – Mental Health And Muslim Communities | The Family and Youth Institute




mental health

By Elham Saif, Sarrah AbuLughod and Wahida Abaza

Fariha just started her freshman year at university. Overnight, she was separated from her support system of family and friends and thrust into a foreign environment. She was facing many new challenges, including a heavier workload, new friends, student clubs and organizational responsibilities. She was drowning in endless assignments, exams, and meetings.

Fariha never thought much about mental health issues beyond the few “mindfulness” posts that she’d scroll through on her Instagram feed, but recently she was starting to feel out of sorts. She started to feel anxious as a hijab-wearing woman on campus especially after hearing about anti-Muslim incidents on the news. All of the possibilities of what could go wrong played over and over again in her head–and kept her up at night. Everything was beginning to feel overwhelming. She started having trouble getting out of bed in the morning and was losing motivation to complete her assignments. She felt confused and at times, even afraid. 

According to the National Institute of Mental Health, close to 50 million Americans suffered from mental health issues in 2017. One in 5 adults in America is living with a mental health illness at this very moment. American Muslims are not an exception to these statistics. According to different studies, like Fariha, 15-25% of American Muslims report suffering from anxiety disorders and 9-30% report mood disorders. Many of these mental health issues in the Muslim population go unaddressed and unresolved because of lack of knowledge, stigma and shame experienced in many Muslim households and communities. 

When these issues go unaddressed, people report that the pain and suffering they experience rises and that overall their problems tend to get worse. Sadly, their struggles can snowball into additional illnesses that were not present before, such as self-harm or addiction. According to the research, mental illnesses such as depression, anxiety, and bipolar disorder are sometimes not considered to be “real” illnesses. Community members often see mental illness as a sign of weakness, a mark of poor faith, or something that doesn’t affect Muslims. They may also see it either as a “test from God” or sometimes as possession by evil spirits. Even when there is an awareness, many of these illnesses and issues are culturally stigmatized as shameful and kept hidden within the person or family. People may be concerned about the reputation of their family or their marital prospects should a psychiatric diagnosis be disclosed. 

The irony is that Islam ought to be more of a protective factor given how intertwined Islamic history is with the fields of psychiatry and psychology. The contribution of Islamic scholarship to the field of psychology is documented in our history and legacy from health promotion in the Quran and Sunnah, to early scholarly diagnosis, treatment, and intervention. Alaa Mohammad, FYI researcher and co-author of the chapter “Mental Health in the Islamic Golden Era: The Historical Roots of Modern Psychiatry” in Islamophobia and Psychiatry points out that,

“there was a lot of focus on concepts like ‘sanity’ and the significance of mental capacity as well as the general mental/emotional state in many of the early Islamic texts especially in regards to Islamic rules and law.”

Early Islamic scholars described the “cognitive components of depression and sadness, anxiety and fear, obsessions, and anger in detail and suggested a variety of therapies and treatments.” Learning more about this rich history and pulling from these stories in the Prophet’s (SAW) seerah is a key step towards opening the way for people to get the help they need and learning how to support one another. 

Fariha knows that she needs help. She was considering seeing one of the mental health workers on campus, but she’s afraid of what her parents would say if they found out she shared so much with a stranger, especially one that is not a Muslim.

What can parents do?

Research has found that in the face of rising Islamophobia, supportive parenting serves as a protective factor and helps strengthen young Muslims’ sense of identity while unsupportive parents who don’t help their children navigate their experiences end up weakening their identity, which then increases their chances of participating in more risky behavior. 

When Fariha finally shared her fears and anxieties with her parents, she was surprised and relieved to hear that they took her seriously. They listened to her and she didn’t feel like they were ashamed of her, only concerned for her well being. They were eager to find her the help she needed to feel like herself again. 

As Muslims, we need to shift our mindset around mental illness and the effects of Islamophobia. Like Fariha’s parents, it is imperative that we listen carefully and look more deeply at the issues facing our youth. It is through this openness that we can reduce the stigma and encourage more people to seek help. 

The Family and Youth Institute recently released an infographic that talks about some of the struggles facing our American Muslim communities. They teamed up with Islamic Relief USA to get this infographic printed as a poster and will be sending them to over 500 masajid/community centers around the United States in the coming months. 

What can you do to help?

  • Reduce the stigma by sharing this article and infographic and starting a conversation with your friends and family members. The more we talk about it, the more we normalize and destigmatize mental illness and move towards mental health. 
  • Organize a community conversation around the issue of mental health. Invite a mental health specialist to come speak to your mosque youth group or parent group. 
  • Seek therapy when needed. Connect with SEEMA and the Institute of Muslim Mental Health for a list of Muslim therapists. If you are seeing a clinician who is not Muslim, share this book Counseling Muslims: Handbook of Mental Health Issues and Interventions with them to give them a better sense of the specific religious and cultural needs of their Muslim clients. 
  • Educate yourself – There is a plethora of information out there about mental wellness and wellbeing. For help navigating through it all, sign up for The FYI’s daily article share to receive vetted infographics, articles and videos on this topic. Mental health affects our whole life. Whether you are struggling with bullying, helping a loved one with depression, living with and caring for an elder or wanting to build the best environment for your new baby, we have a resource for you! 

These steps are just small ways we can begin to shift the conversation away from shame and stigma and towards help and healing. Mental illness and mental health issues can be scary, but they do not need to be faced alone and in isolation. As the Prophet Muhammad ṣallallāhu 'alayhi wa sallam (peace and blessings of Allāh be upon him)said, “The parable of the believers in their affection, mercy, and compassion for each other is that of a body. When any limb aches, the whole body reacts with sleeplessness and fever.” Together, we can fight the existing stigma and misconceptions, provide support, educate the community and advocate for our brothers and sisters suffering with mental illness and their families. 


Aftab A., & Khandai, C. (2018). Mental Health Facts for Muslim Americans. APA Division of Diversity and Health Equity, Washington, DC. 

Basit A, & Hamid M. (2006). Mental health issues of Muslim Americans. The Journal of Islamic Medical Association of North America, 42(3), 106-110.

Ciftci A., Jones N., & Corrigan, P.W. (2013) Mental health stigma in the Muslim community. Journal of Muslim Mental Health, 7(1), 17-32.

Hodge, D.R., Zidan, T. & Husain, A. (2016). Depression among Muslims in the United States: Examining the role of discrimination and spirituality as risk and protective factors. Social Work, 61(1), 45-52.

Zong, X., Balkaya, M., Tahseen, M., & Cheah, C.S.L. (2018). Muslim-American Adolescents’ Identities Mediate the Association between Islamophobia and Adjustment: The Moderating Role of Religious Socialization. Poster session presented at the biennial meeting of the International Society for the Study of Behavioural Development, Queensland, Australia. 

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Loving Muslim Marriage | Is it Haraam to Talk About Sex?

Saba Syed (Umm Reem)



Loving Muslim Marriage

Female sexual nature and female sexual desires are often misunderstood, especially among Muslims. There are some classes and seminars by Muslim speakers that offer advice to Muslim couples about intimacy but unfortunately, the advice is not exactly aligned with correct female sexual nature.

So we decided to come together to clarify these misunderstandings and explain the sexual nature of women and their desires, so we can help build healthy intimacy within Muslim marriages leading to happier Muslim marriages.

This is going to be a series of videos that we will release every week, inshaAllah.

What should be expected out of these videos?

Each video will address a specific myth or misconception about either female sexuality, or Muslim marriage to help men better understand women. We will also explore male sexuality and other subjects.

We hope

– to help better quality marriage
– to help couples- both men and women- get a more satisfying intimate life
– to help women navigate intimate life in a manner where they are fulfilled, paving the way for involvement and desiring of intimacy; breaking the cycle of unsatisfying intimate lives for both husband and wife

Please keep in mind that these videos are for people with normal sexual desires — they are not meant to address asexuality.

The content of these videos is a mean to provide marital advice based on mainstream orthodoxy as well as best practices and relationships.

Some experts joined us in these videos to offer their expertise from an Islamic and professional perspective:

Shaikh AbdulNasir Jangda: He was born and raised in Dallas, Texas and at the age of 10 began the road to knowledge by moving to Karachi, Pakistan, and memorizing the entire Qur’an in less than one year. After graduating from high school, he continued his studies abroad at the renowned Jamia Binoria and graduated from its demanding seven-year program in 2002 at the top of his class with numerous licenses to teach in various Islamic Sciences. Along with the Alim Course he concurrently completed a B.A. and M.A. in Arabic from Karachi University. He also obtained a Masters in Islamic Studies from the University of Sindh. He taught Arabic at the University of Texas at Arlington from 2005 to 2007. He served as the Imam at the Colleyville Masjid in the Dallas area for three years. He is a founding member and chairman of Mansfield Islamic Center.

He is the founder of Qalam Institute and he has served as an instructor and curriculum advisor to various Islamic schools. His latest projects include Quran Intensive (a summer program focusing on Arabic grammar and Tafsir), Quranic analysis lectures, Khateeb Training, chronicling of the Prophetic Biography, and personally mentoring and teaching his students at the Qalam Seminary.

In these videos, Sh. Jangda helped present the Islamic rulings and corrections of various misconceptions regarding intimacy and female sexuality.

Dr. Basheer Ahmed: He is a Board Certified Psychiatrist with 18 years of teaching experience at various medical schools. He started off his career by teaching at Albert Einstein College of Medicine in New York as a Psychiatrist in 1971. Then he started his own private practice in 1984 till the present time. Meanwhile, he continued to teach at various universities around the U.S.
He is also the Chairman of MCC Human Services in North Texas.

In these videos, Dr. Basheer explained several psychological conditions that women may suffer through when they are sexually dissatisfied in a marriage.

Zeba Khan: She is the Director of Development for, as well as a writer, speaker, and disability awareness advocate.

She helped address the uncomfortable myths and misconceptions throughout these videos and helped provide the correct perspective of female and marital intimacy for Muslim couples to enjoy a better marriage.

Usman Mughni: He is a Marriage & Family Therapist and holds a Master’s of Science degree
Northern Illinois University and a B.S. in Psychology from the University of Maryland, along with a degree in diagnostic medical imaging. He worked as a therapist at Alexian Brothers Behavioral Health Hospital in the Center for Addiction Medicine. Usman has experience providing counseling to individuals, couples, and families at Northern Illinois University’s Family Therapy Clinic along with experience working with individuals, couples, and families struggling with chemical dependency and mental health diagnoses and running psychoeducational group therapy at Centegra Specialty Hospital’s partial hospitalization and intensive outpatient programs.

Since Usman enjoys working with couples to help bring tranquility back into the marriage and providing premarital counseling to couples who hope to have a successful marriage at a time when divorce seems to be on the rise, he especially joined us in this series to offer his expertise. He highlighted the most common intimacy issues in Muslim marriages that he has observed throughout the years of his experience as a therapist. His insights and knowledge has helped us clarify many misconceptions not only regarding female sexual nature but also about men and marital intimacy.

Ustadha Saba Syed: She has a BA degree in Islamic Studies. She studied Arabic Language and Literature at Qatar University and at the Cairo Institute in Egypt. She also received her Ijaazah in Quranic Hafs recitation in Egypt from Shaikh Muhammad al-Hamazawi.

She’s been passionately working towards empowering Muslim women through the correct and untainted teachings of Islam. She is a pastoral counselor for marriage, family, women and youth issues. She has hosted several Islamic lectures and weekly halaqas in different communities all over U.S and overseas. SHe also hosted special workshops regarding parenting, Islamic sex-ed, female sexuality, and marital intimacy.

She took the initiative of putting together these videos because through her pastoral counseling experience she realized that there are many marital intimacy problems in Muslim marriages, mainly due to the misunderstandings and misconceptions regarding female sexuality and female sexual nature.

Hence, with the speakers above, and with these videos we hope to clarify and explain as many myths and misconceptions that we believe have become a hindrance to happiness and success in Muslim marriages. We welcome your comments and suggestions in order to make this series more successful.

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Losing Our Parents, Finding Ourselves

Hiba Masood



losing parents

“To lose one parent is misfortune. To lose both looks like carelessness.” – Oscar Wilde

If I am to take Mr Wilde’s words to heart, I’ve had an extremely careless kind of year. Despite our utter devotion to our extremely beloved parents and our best efforts to hang on to them, my siblings and I still went ahead and lost them both about ten months ago.

A long-drawn-out, physically and mentally ravaging illness in which he (and us) suffered for over a decade, took my brilliant, generous, math genius of a laughing, twinkly-eyed father. Upon which, a day after his funeral, my wise, gentle, hostess in chief, caregiver-supreme of a mother promptly contracted a deathly cancer of her own and within a few rollercoaster months, went out like a shooting star.

In between, just to keep things interesting, I also unexpectedly lost a beloved khala (my maternal aunt), a dear long-time family doctor, and our pet cat, who in perfect health one day, dropped dead on our front door the next morning, without any warning whatsoever, completing what was certainly a most eventful year.

I like to think my sister, brother and I, we took all these losses with patience and resilience, in more or less stride…holding fast to the rope of Allah, understanding His qadr and accepting His will as better and wiser than anything we could’ve willed for ourselves. We did this not because we are unfeeling robots or super-mu’mins but because this is how our parents raised us. They raised us to be strong and smart and strong, smart people don’t crumble in the face of what life throws their way. Doing so would be a betrayal of who we were as a happy family and we loved each other just too much to betray.

At least, that is what I loftily tell myself during daylight hours, when the sun is shining and the business of living takes precedence over the philosophy of dying. Because at night, when the house is still and quiet, when my children are curled up in their own beds when the work is done and I put my head to pillow, it is a lot trickier to be so practical-minded.

Every night, every single night for the last 10 months, when I lie down in the dark, before I fall asleep, no matter how hard I try to not have it happen, my mind insists on playing a torturous film. First, I watch my dad die. I am catapulted, in the pitch blackness of my room, back to the night of him in his bed, his eyes closed, his chest slowly rising and falling, rising and falling. I see myself standing beside him, my hand resting on his heart. I see my mother sitting beside us, head bowed.

We are breathing with him, both willing and not willing each next breath. There is nothing different in his outward appearance to suggest the end is near, but the air in the room is holy and we know what’s coming. We don’t move from beside him for one hour, then two, then three. Somewhere past midnight, I see/feel/hear the absolutely deepest silence I have ever encountered. He is gone. So quietly, one would have missed it if they weren’t right there. I see myself exclaim through the tears, “All praise to Allah for He has rescued my Baba from pain.” and I hug my mother.

But my hug doesn’t last. Because, immediately after, it is my mother’s turn. She is in the same bed, the bright morning light flooding into the room. Everyone dear to her is assembled around her, praying and reciting, in aching disbelief that something so similar is happening so soon. Her eyes are wide open and she is breathing faster and faster. I am telling her “Allah loves you, I love you, you’re doing so great, don’t worry about us, we’ll be fine, straight to Jannah, Ma, straight to Jannah“. Suddenly, her whole face softens, relaxes, eases into a radiant smile. She recites the kalima, the room rings with Allahu Akbar and she’s gone.

Earlier, I used to always sob through this entire montage. Pity for myself, grief for who I had lost, the ache of missing them in every imaginable future that lay ahead, would fill my eyes and drench my pillow. The reality of our situation hitting me afresh in the gut: We are orphaned, the roof blown off our heads in a whirlwind of a year, wondering how exactly does one live without the people who taught them how to. Later, as a few months passed, I watched with a more grim, gritted teeth patience. I knew I had to get through this if I wanted to eventually fall asleep. More recently, and this is perhaps the evolution of grief, I have begun to watch with a tender fondness, a dawning understanding of how privileged I was to see the peaceful passing of two righteous people, how lucky I have been to be taught that to love someone, to truly love them, means to bear witness to their journey of becoming more and more human.

And is there anything, ANYTHING more essentially human than death? I bore witness to my parents’ humanity till their very last breath on earth. And because I am human, and I believe in being kind to myself, I finally know that I am not losing my mind or being weak when I keep revising and reviewing this film each night. Instead, I am taming and teaching my very human mind to accept, to submit. I know that all my mind is trying to do as it wrestles every night in the dark, is attempting to make the most beautiful sense out of a most necessary reality.

How do we love? How do we let go? How do we gracefully bear witness to the final moments of our beloveds? How do we prepare for our own final moments?

These questions will take a lifetime to answer.

Perhaps you, dear reader, are already facing these questions. If not, you will certainly face them someday. The truth is, we will all, each of us, one day lose someone we desperately love, despite our very best efforts and most valiant hopes not to. This is the reality of this world. It will not be misfortune or carelessness on our part…it will simply be Allah reminding us that we belong only to Him, that only He knows what is good for us.

If last year, for me, was the year of loss, then this year and all the years ahead are the years of making sense of this loss and deriving meaningful meaning from it. In losing my parents, I must find my self. That is the only thing that will help my parents now. Because, when they were alive, I think I tried my very best to do my due diligence in bearing witness to their humanity. Now that they are in their graves, I can only hope and pray that on the Day it really matters, I am able to bear witness for my parents again: “Oh Allah! Have mercy on them as they did on me when I was younger.”

This is what our loved ones need from us. Prayers, good works so that we may be sadaqa-jaariah, and a relentless testifying to He who listens to all aching, breaking hearts, both in day and night: They were good, Allah. They were good. Have mercy on them.

May Allah forgive our parents, elevate them and reunite us all in Jannah.

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