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The Need For Islamic Finance

Wealth creation in the Islamic context is driven by creating wealth for the benefit of the poor and needy thus encouraging individuals in a society to bring there ideas to life.

Islam is a way of life which does not endorse creating wealth for the sake of it there is a bigger and wider purpose in life, which is to worship the Creator. There is a need to follow the model of Financial transactions carried out by the Prophet Muhammad (peace be upon him) who himself was a trader, this can be found in the Quran and Hadith.

It is sad to see blatant interest bearing financial transactions now being portrayed as would be Islamic products, the result of these products has the same effect as conventional products. Further indebting society causing misery. Even ten years ago no one ever heard of some of the concepts (such as Tawaruq) now being talked about today in Islamic finance.

The prophet (PBUH) said towards the end of time people will make things Halal never heard of by there forefathers.

Islamic finance should as a key objective help create products with the ultimate aim of eliminating debt from the daily lives of people. If we look at some of the Worlds greatest companies, for example Mercedes Benz, emerged as result of gallant entrepreneurs’ backed by financiers’ therefore there was an element of risk behind the idea.  Interestingly none of the fortune 300 companies in Germany have been created by banks.  Sadly modern day banking has destroyed a lot of this spirit, there is no surprise therefore as to why household names like Rover no longer exist, ten years ago this would have be unimaginable.

Instead within the last thirty years we now have a society en-slaved by debt. Every 30 seconds a child dies in Africa because of Malaria, the last 14 years have been the hottest on record.

Islamic finance should be working to create wealth not to replicate the conventional products the Muslim community demands honest truth based products that add value to the life’s of all of society eliminating these problems in fact if we had a true Islamic finance system the above stated problems would never occur.

We hope to strive to offer this vision without compromising the Islamic value system.

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