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75 articles
Janseva Co-operative Credit Society: The Complete Guide (2026)
Janseva's founding resolution commits it to Quran and Sunnah within Indian law. Twelve permitted states, qard-e-hasanah deposits, a debt-rescue-first loan ladder and SHG microfinance. The full guide.
Al-Khair vs Bait-Un-Nas'r vs Janseva: Choosing an Interest-Free Society in India (2026)
India's three most documented interest-free societies differ where it counts: geography, pricing transparency, product depth and doctrine. The side-by-side comparison, built from their own published terms.
Qard Hasan Explained: The Contract Behind India's Interest-Free Finance (2026)
Qard hasan is a loan repaid exactly as borrowed, with any excess for the lender prohibited as riba. What the contract requires, why it is hard to institutionalise, and how India's cooperatives actually apply it.
The True Cost of 'Interest-Free' Loans in India: Service Charges, Annualised (2026)
Interest-free does not mean free. Al-Khair's printed one-time charges of 8 to 18 percent annualise to roughly 16 to 32 percent depending on tenor. The honest arithmetic for every documented product.
Is a Service Charge Riba? The Unresolved Debate at the Heart of India's Interest-Free Sector (2026)
India's interest-free societies charge 8 to 18 percent one-time, or annual-rate charges, on loans they call qard hasan. Cost recovery or riba in function? The debate, both sides, with no false resolution.
Mumbai's Interest-Free Finance Guide: Bait-Un-Nas'r, Janseva and the City's Halal Money Map (2026)
Mumbai is the capital of Indian interest-free finance: Bait-Un-Nas'r's nine branches from Mahim to Mumbra, Janseva's Colaba headquarters, and fifty years of institutional history. The city guide.
Interest-Free Finance in Bihar and Patna: Al-Khair's Home Turf (2026)
Bihar is where India's interest-free cooperative model runs deepest outside Mumbai: Al-Khair's Patna headquarters and six Bihar branches, doorstep deposit collection, and printed loan prices. The regional guide.
Is LIC Halal? The Necessity Debate, Documented Honestly (2026)
Published fatwas hold voluntary life insurance impermissible, but some scholars extend necessity reasoning to term cover for breadwinners because India has no takaful. The three positions, labelled by their real weight.
Term Insurance Alternatives for Indian Muslims: The Honest Options (2026)
There is no halal insurance product in India. The real alternatives are self-insurance through savings, debt clearance, and household structures that reduce dependant risk, plus the contested term cover question, faced honestly.