Arogun Dee

simply patriotic (All for 9ja). Islam.

[A.Y.O @YusufAsunmogejo]

One of the reasons the earliest attempts at Islamic banking in Nigeria, such as the dedicated Islamic banking windows in the old Bank PHB or Habib Nigeria Bank, faced so much scrutiny was because people kept asking this exact question you've just asked. They couldn’t understand how a financial institution could survive without the crutch of interest.

As time went by, scholars and financial experts needed to find a way out of this recurring problem. They had to prove that Islamic banks could cover their significant operating costs, infrastructure, and personnel without taking or giving a single naira of Riba (interest).

To do this, they developed authentic, asset-backed, money-making mechanisms that are foundational to Islamic banking today.

Please note that these are not just "interest with a different name," they are different entirely from the conventional interest-based banking.

Here is exactly why they are completely different from conventional banking:

1. Murabahah (Cost-Plus Financing): In a conventional bank, if you want a car, they give you a cash loan with interest, and you pay back cash for cash with an added percentage. That is Riba.

In an Islamic bank using Murabahah, the bank actually buys the car from the dealer themselves, owns it, and then sells that physical car to you at a disclosed profit margin, allowing you to pay in installments. The profit comes from a real trade transaction, not from renting out money.

2. Mudarabah and Musharakah (Partnership Models): Instead of just pooling deposits from savers and giving them a fixed, guaranteed interest rate, an Islamic bank acts as a partner.

In Mudarabah, the bank manages your funds in halal ventures, and the profit is shared based on a pre-agreed ratio, while the customer bears the financial risk.

In Musharakah, both parties pool capital for a business, sharing both the profits and the losses. The bank puts skin in the game. They earn by working and taking risk, not by exploiting a debtor.

3. Ijarah (Leasing): Instead of lending money to buy equipment, the bank buys the equipment and leases it to the customer for an agreed rental fee. The bank retains ownership and bears the risk of the asset, making the rental income entirely halal.

Having said this, now, let us talk about the reality of navigating a conventional financial ecosystem.

Because Islamic banks have to operate under the Central Bank of Nigeria (CBN), they are sometimes forced by regulatory compliance to participate in clearing systems or transactions that inadvertently generate Non-Permissible Income (NPI), such as penalty fees or unavoidable interest-bearing statutory reserves.

Islamic banks do not use this money to cover their infrastructure or staff salaries. Instead, they have a strict purification process. This NPI is completely segregated and channeled directly to charitable causes, such as funding public health clinics, building schools, or helping the poor. The bank derives zero corporate benefit from it.

One thing Islam prioritizes is striving toward the best, and not absolute perfection. We live in a highly imperfect, conventional financial world. These institutions are doing their best to be upon the truth, creating a halal alternative for millions of Muslims, and leaving the remaining gaps for the Almighty to pardon.

But to throw your hands up, capitulate completely, and allow Shaitan to trick you into thinking Riba is unavoidable just because banking has costs? What will then be the difference between us and them?

Allah knows best.

[Arojinle @arojinle1]

Termites cannot digest cellulose (wood or paper) on their own. They rely on gut microbes (flagellate protozoa and bacteria) to break it down into usable nutrients. Flagyl kills these microbes. Without them, termites starve even if they eat wood, leading to death within weeks.

Studies use metronidazole specifically to induce defaunation in research, confirming it leads to termite death or colony collapse (sometimes triggering cannibalism in reproductives due to hunger).

So, what do people do...They soak flagyl in water and soak cardboards in it. They then place these cardboards in strategic places. The termites pick them up, tear parts of it and take it home. What happens next...your guess is good as mine

[DEFENCE HQ NIGERIA @DHQNigeria]

Barka da Sallah To All Troops At The Frontline.
#ForGodandCountry

[𝑰𝒅𝒓𝒊𝒔 𝑨. 𝑶𝒏𝒊 PhD @IdrisAOni1]

Assalaam alaekum warahmotullahi wabarakatuhu.

Beautiful souls!

Hope this finds you well.

The Day of ‘Arafah is not merely a date on the calendar; it is a divine opportunity wrapped in mercy, forgiveness, and answered supplications.

Many people will stand on ‘Arafah physically, but the truly successful are those who stand before Allah spiritually — with broken hearts, sincere repentance, and renewed determination.

Practical ways to maximise the blessings of ‘Arafah:

• Fast sincerely for Allah if you are not on Ḥajj.

• Increase Tahleel:
“Lā ilāha illa Allāh waḥdahu lā sharīka lah, lahul-mulk wa lahul-ḥamd wa huwa ‘alā kulli shay’in qadīr.”

• Make abundant du‘ā’; this is one of the greatest days for accepted supplications.

• Seek forgiveness repeatedly and sincerely.

• Reconcile broken relationships and purify the heart from hatred and envy.

• Recite and reflect upon the Qur’an.

• Give charity, even if little.

• Pray for your parents, family, teachers, the Ummah, and your future.

• Reduce distractions, idle conversations, and excessive social media engagement.

• End the day with gratitude and a firm commitment to become better after ‘Arafah.

Do not allow the day to pass like an ordinary day. Some sins are forgiven on this day, some ranks are elevated, and some destinies are changed by sincere du‘ā’.

May Allah make us among those freed from the Fire on the Day of ‘Arafah.

Have a blessed day.

_ IBN HAMZAH cares

[A.Y.O @YusufAsunmogejo]

Tomorrow is Monday, and with it comes the start of the ten most important days of the year. It is a bit strange how we all prepare for weeks before Ramadan, yet these days often arrive without much notice. The Prophet (peace be upon him) made the value of this time very clear.

ما من أيام العمل الصالح فيها أحب إلى الله من هذه الأيام
There are no days in which righteous deeds are more beloved to Allah than these ten days.

This means that a small action done on a Tuesday morning in Dhul Hijjah could carry more weight than the same action done in the middle of Ramadan. It is a major opportunity to catch up on any spiritual drifting you have done over the last few months.

To make the most of this, look at fasting as much as you can, especially on the ninth day, which is the Day of Arafah. That single day can wipe away the sins of the year before and the year after. If you cannot fast every day, try to increase your dhikr.

The Prophet told us to say Subhanallah, Alhamdulillah, and Allahu Akbar frequently during this time. You can also look at giving charity, no matter how small the amount, and making sure your five daily prayers are done on time with a bit more heart.

If you are planning to offer a sacrifice, remember that the sunnah is to avoid cutting your hair or nails from the moment the month starts until the sacrifice is finished. This is a way of joining the pilgrims in spirit.

The main thing to avoid is allowing these days pass like any other week. Avoid falling into the trap of being busy with things that do not matter.

Also, be careful with your tongue. It is a time for mercy, so do not spoil your rewards by engaging in backbiting or arguing over small things. These days are a gift meant to help us reset our focus before the year ends.

Allah knows best.

[Ustaz Awon Hoodlums @RealSamboFatiu]

As soon as the crescent of Dhul-Hijjah is sighted, don’t forget the Adhkar expected of you to chant day and night.

Allahu Akbar
Allahu Akbar
La ILLaha ILLa Allah
Allahu Akbar
Allahu Akbar
WaliLLahi L Amd

Say it loudly so it serves as reminder to those who have forgotten and lesson to those who do not know.

[Abuja President ⚖️ @AbujaPresident]

Do not rush out of the slippery bathroom to pick your calls. Cultivate the habit of calling back when you are done instead. Airtime is far cheaper than brain surgery.

[BSAT Properties @BSAT_Properties]

How many bags of cement do you need to plaster a room?
This is how you can calculate the number of cement bags required to plaster your building.

Let’s take a room of 12 × 12 feet (3.6 m × 3.6 m) with a headroom of 3.0 m.

Step 1: Surface Area

We are plastering four walls, each 3.6 m long × 3.0 m high.
Area of one wall = 3.6 m × 3.0 m = 10.8 m²
For four walls = 10.8 × 4 = 43.2 m²
Total plastering area = 43.2 m²

Step 2: Plaster Thickness

Typical plaster thickness = 15 mm (0.015 m).
Volume of plaster = 43.2 m² × 0.015 m = 0.648 m³

Step 3: Mix Ratio

Common plaster mix = 1:4 (cement : sand) by volume.
Total parts = 1 + 4 = 5
Cement portion = ⅕ × 0.648 = 0.1296 m³

Step 4: Convert Cement Volume to Bags

Volume of 1 bag of cement (50 kg) = 0.035 m³
Number of bags = 0.1296 ÷ 0.035 = 3.7
≈ approximately 4 bags of cement

Therefore, you will need about 4 bags of cement to plaster the room.

Apply this same method to other sections of your building, and you’re good to go.

If you found this helpful, kindly click the share button and let someone else learn from your timeline too.

(c) YusufA's

[A.Y.O @YusufAsunmogejo]

I have received several tags to this, and I am happy to say something about it.

It is a major misconception to think that giving out breast milk is forbidden in Islam. There are nuances to it, which I will be explaining.

The act of sharing milk is a noble form of mercy and was the way of the Prophet (peace be upon him), who was breastfed by Halimah as-Sa'diyyah (May Allah be pleased with her).

The confusion usually comes from the spiritual and legal bond that the milk creates, which is called “Rada'ah.” When a child drinks your milk, they are no longer a stranger to you.

First of all, the permission to share milk is established in Surah Al-Baqarah:

وَإِنْ أَرَدتُّمْ أَن تَسْتَرْضِعُوا أَوْلَادَكُمْ فَلَا جُنَاحَ عَلَيْكُمْ
"And if you wish to have your children nursed by a substitute, there is no blame upon you."

From the verse above, we would see that Islam recognizes that sometimes a mother cannot or chooses not to nurse, and there is no shame in seeking help. But as soon as you take that step, you enter the territory of Surah An-Nisa (4:23), which lists the women you can never marry:

وَأُمَّهَاتُكُمُ اللَّاتِي أَرْضَعْنَكُمْ وَأَخَوَاتُكُم مِّنَ الرَّضَاعَةِ
"And [forbidden to you are] your milk-mothers who nursed you and your milk-sisters."

This verse above is the backbone of the entire legal system regarding milk. It tells us that the woman giving the milk becomes a mother in the eyes of the law, and her daughters become sisters to that child.

In fact, the Prophet (peace be upon him) confirmed how deep this relationship goes by saying:

يَحْرُمُ مِنَ الرَّضَاعَةِ مَا يَحْرُمُ مِنَ النَّسَبِ
"What is forbidden by reason of lineage is also forbidden by reason of suckling."

This means that milk kinship is just as strong as blood kinship when it comes to marriage prohibitions. For this bond to be fixed, two main conditions must be met:

1. The suckling must happen within the first two lunar years of the child’s life. After this age, the milk is just food and does not change anyone's legal status.

What is our proof for this? Allah talked about the timeline for when this milk actually creates a family bond in the same verse of Surah Al-Baqarah:

وَالْوَالِدَاتُ يُرْضِعْنَ أَوْلَادَهُنَّ حَوْلَيْنِ كَامِلَيْنِ ۖ لِمَنْ أَرَادَ أَن يُتِمَّ الرَّضَاعَةَ
"Mothers shall suckle their children for two whole years; (that is) for those who wish to complete the suckling."

This verse sets the window of two years as the biological and legal limit where the milk has the power to build the child's flesh and bone to establish kinship.

2. The number of times must conform with the Five-Suckling Rule. The child must drink until they are full on five separate occasions.

Imam Ash-Shafi'i in his book Al-Umm, relied on the authentic narration from Aisha (may Allah be pleased with her) where she explained that the rule was settled at five known sucklings. She says in Sahih Muslim:

كَانَ فِيمَا أُنْزِلَ مِنَ الْقُرْآنِ عَشْرُ رَضَعَاتٍ مَعْلُومَاتٍ يُحَرِّمْنَ ثُمَّ نُسِخْنَ بِخَمْسٍ مَعْلُومَاتٍ
"It had been revealed in the Qur'an that ten clear sucklings make the marriage unlawful, then it was abrogated (replaced) by five clear sucklings."

Imam Shafi’i argued that the nourishment must be significant enough to be "known" and "clear" to create the bond of brotherhood or motherhood. He also argued that one or two sips are not enough to create the "flesh and bone" connection required by the law.

[Glorious God @GloriousGod01]

This question is actually deep and hits home for so many people. Without the password or biometrics, modern phones (especially iPhones) use strong encryption that keeps everything locked.

Simply resetting or "flashing" the phone usually wipes all your photos, messages, and important data forever, leaving families with nothing but frustration and lost memories.

The smart solution is to plan ahead right now while you still can:

FOR IPHONE USERS:
Go to Settings > tap your name at the top > Sign-In & Security > Legacy Contact.

Add one or more trusted people (like a spouse, child, or sibling). You'll get an access key to share with them.

After you pass, they just need that key plus a copy of your death certificate to request access to your Apple account and data.

It's straightforward and doesn't require going to court in most cases.

FOR ANDROID/GOOGLE USERS:
Go to https://t.co/ZXZMiSLgfb, sign in, then head to Data & Privacy > More options > Make a plan for your digital legacy (or search for Inactive Account Manager).

Choose a waiting period (like 3 to 18 months of inactivity), pick trusted contacts, and decide what data to share (Gmail, photos, Drive files, etc.). Google will notify them and give access if the account goes inactive.

Do this today. It only takes a few minutes, but it can save your loved ones from huge headaches later.

Most people never think about it until it's too late, and precious memories or important information end up locked away forever.

Above all, love God.

[A.Y.O @YusufAsunmogejo]

Wa Alaykum Assalam Warahmatullahi Wabarakatuh. I have said it several times, I don't know much. In fact, I know very little. I am only a student of knowledge who prays for more knowledge and wisdom.

Having said that, I will prescribe three books my uncle prescribed for me in 2017 and has helped me till today in this knowledge journey. I still remember when we went to General in Ilorin to get them. I think we spent more than 100k to buy these books and many others to make sure my library was solid. It was a huge investment, but it made the journey real for me.

The first is A Gift for a Muslim Couple by Maulana Ashraf Ali Thanwi. This book is very grounded. It covers the etiquette and the heart of how a husband and wife should live together. It is practical for anyone starting out and helps you understand the mindset needed to build a peaceful home.

The second is The Fragile Vessels by Muhammad al-Jibaly. This is part of a series that focuses on the rights and obligations of Nikkah. It helps you understand the legal and spiritual weight of the contract you are about to sign so you do not go into it blindly.

The third is The Ideal Muslim by Dr. Muhammad Ali al-Hashimi. I recommend this because marriage is ultimately about your own character. It shows how a Muslim should conduct himself with his family and his wife. It reminds you that being a good husband is a huge part of your faith.

Study these with an open heart and they will give you a solid foundation.

Allah knows best.

[Arojinle @arojinle1]

The word sheep is a general term for both sexes. The male is called RAM while the female is EWE

In a similar fashion,

Cattle is the general term for both sexes. The male is BULL while the female is COW. The use of bull for male and cow for female also applies to elephants, buffalos, camels, giraffes, whales, etc.

Goat is a general word for both sexes. Male is called BILLY/BUCK while the female is DOE/NANNY.

I hope you get it now?

[A.Y.O @YusufAsunmogejo]

When ladies say things like this, it comes most times from a place of seeing the permissions without seeing the heavy price tag attached to them. Let me help you understand.

The biggest thing you are missing is the difference between a "right" and a "responsibility." When you say men have multiple chances to get it right, you are looking at polygyny like it is a spare tire for a flat marriage.

In reality, Islam does not view a second or third wife as a "redo." If a man is failing with his first wife, he is not given a "chance" to ignore her and try again elsewhere. He is actually given a much heavier load of justice that he has to carry. If he cannot be perfectly fair in his time, his money, and his treatment, the deen tells him to stay with one.

So, while you sees it as a "chance," the scholars see it as a "test." A man who struggles with one marriage and thinks adding another will fix his life is just multiplying his problems and his sins.

Secondly, your idea that women are limited to one husband is ONLY true for concurrent marriage. If we are talking about "getting it right," a woman has every right to leave a bad situation and find someone who meets her standards. She can marry, divorce, and remarry as many times as she needs until she finds peace.

The "multiple chances" belong to her just as much as they belong to the man. The difference is just the timing. A man’s path is wide but very dangerous because of the accountability of justice. A woman’s path is narrower at one time but much safer because she only has one person to focus her rights and duties upon.

Also, the part where you alluded standards to be a "red flag" is where you are confusing culture with the deen. Our tradition is very clear that a woman should have the highest standards.

The Prophet (peace be upon him) told us that if someone comes to you with good religion and character, then marry him. That is a standard. If a woman is being called "too much" for wanting a man who respects her and fears Allah, that is a problem with the people around her, not the religion itself.

In fact, a woman’s standards are her protection. If she settles for less than what she deserves, she is the one who suffers.

Then you said, it is a "man's world,”. Ummulkhairi, you are only looking at the outward permissions. You are failing to see the internal weight. A man in a polygynous marriage has to stand before Allah and account for every minute and every penny he spent between those wives.

If he leaned toward one and neglected the other, he comes to the Day of Judgement with half of his body drooping. Is that a chance to you? That is not a "chance." That is a terrifying level of accountability.

What you missed is that the deen gives men more "space" but it also gives them the most "weight." A woman's world in Islam is designed for protection and focused care, while a man's world is built on labor and strict justice.

I hope this helps you understand.

Allah knows best.

[Sir J (J9) @SirJarus]

Before this week, the highest single-customer sale we made on Twitter was N400m in 3.5 years of actively promoting my company's products here.

This week, by Allah's mercy, Jarus Homes made a single-customer sale of N650m. There was another N100m sale in same week. N750m in a week is our highest ever for a week.

With 6 house and 6 shop sales already this year, we have surpassed full year sales for 2025 by second week of April 2026.

Cumulatively, we have had sales of N3.5 billion on Twitter.

Thanks to everyone for the trust in my brands. I promise to not let you down.

Please keep patronizing Jarus Homes.

Now, who will break the new record? Just pick up multiple of the opportunities below.

For those still praying to patronize, I will continue to groom you with educative content that will increase your earning capacity so you can come and patronize me five years after getting job in Shell or NLNG😃

[Man of Letters. @Letter_to_Jack]

Around 11 p.m. last night, I got a call from someone. They said there’s an accident along Illisan, and they have called an ambulance, no response. I asked them how long ago did they call the ambulance, they said 15min, I said it’s not possible for Ogun State ambulance to not respond in that timeframe because they are on a Trunk B road.

I asked which ambulance number they called. He said 112. I told him to call the Ogun State ambulance service number: 0811 200 0033 instead.

He called back 10min later. That Ogun State ambulance had arrived at the scene, and they were on their way to OOUTH.

When there’s an accident in Ogun State, call the Ogun State hotline FIRST before dialing 112. 112 is a short code, but the response time is not the same.

112 is a federal emergency line. They’ll do a lot of rerouting before they can locate you.

The Ogun State emergency service will locate you quickly because the operators know everywhere in the state.

{If you need proof that this happened, demand it, I’ll provide it}

Just take the information. Please.

[Peter Agboola @baba_Omoloro]

The camel drinks both fresh and salt water. It can even drink water from the Dead Sea and nothing will happen to it.

This is because the camel's kidneys filter the water: they separate it from the salt and turn it into fresh water suitable for drinking.

The camel also eats thorns and they do not harm its stomach or intestines because its saliva dissolves the thorns like acid.

The camel has two eyelids: one is thin and transparent, the other thick and fleshy. When a sandstorm starts in the desert, it closes its transparent eyelid to prevent sand from getting into its eyes.

A camel can also change its body temperature: if it is cold its temperature increases, if it is hot in the hot desert its body temperature decreases. The qualities that this beautiful little animal possesses are impressive.

[BSAT Properties @BSAT_Properties]

Important Documents you must ask for before buying land in Nigeria

1. If the person says that the land was gifted to him, ask for a Deed of Gift.

2. If the person says that he bought the land, ask for Deed of Assignment, Deed of Conveyance or Irrevocable power of Attorney.

3. If the person says the land was shared between him and someone else, ask for Deed of Partition.

4. If the person says that he is holding the land in trust for a minor, ask for Deed of trust.

5. If the person says that the land is a family land, ask for written consent of the family head and principal members of the family or the family resolution.

6. If the person says he inherited the property without a Will, ask for the Letters of Administration.

7. If the person inherited the land from a late person who made a Will, ask for the grant of probate or Deed of Assent.

Buying land is not something you should do in a hurry, ensure that you conduct due diligence before you make payment.

All the best.

© Emmanuella Ojialor

Which of these documents does your land have?

Which of them have you not heard of before?

[A.Y.O @YusufAsunmogejo]

Hello Lola, I am a Muslim, and our spiritual tradition has a very deep approach to raising children. I want to share some tips from our scholars that will be beneficial to you regardless of your faith.

First of all, our theology teaches the concept of Fitrah. This means that every child is born with a pure heart. At six years old, she is not a criminal mastermind. She does not have a wicked soul.

If she doesn’t have all these, then what is happening? The truth is that she is just lacking impulse control and testing boundaries. By this, if you look at her as a manipulator, you will fight her. However, if you look at her as a pure soul making mistakes, you will be able to guide her.

Secondly, for every problem anyone faces today, it has been solved in history. The only problem is how to locate them.

A classical scholar named Al-Ghazali wrote about child psychology over 900 years ago in his famous book “Ihya Ulum al-Din.” In his section on disciplining children, he gave a practical rule I want you to adopt going forward.

He advised that parents should never push a child into a corner where they are forced to lie. When you ask a question you already know the answer to, her survival instinct kicks in. She cries and she lies to defend herself because she is scared of you. Stop interrogating her. Just look at her and state the fact. Say, I know you took this, and we are going to return it right now.

Again, another scholar and sociologist Ibn Khaldun addressed this exact behavior in his masterpiece titled: “Al-Muqaddimah.” He warned that when a child is raised with harsh punishment, they learn deceit, trickery, and lying to protect themselves. This is why she is covering her tracks and crying to manipulate you. The fear of a harsh reaction is making her a better liar.

Lola, do not attach a label to her. Do not ever call her a thief. If you attack her identity instead of her action, she will internalize it and grow into that dark label. Tell her the action is wrong but protect her dignity.

Make her return the item. Do not fall for the tears. Hold her hand, walk her back to wherever she took it from, and make her hand it back and apologize. The discomfort of returning a stolen item teaches a much better lesson than beating her will ever do.

Finally, I don’t know if you are a Muslim, but never underestimate the power of your own words. In our faith, we believe the prayer of a parent for a child goes straight to God without any barrier. Pray over her. Pray for her heart to be content and for her character to be straight.

Keep doing this consistently and the habit will break.

Allah knows best.

[Jayjay Chibuzo @ChibuzoJayjay]

Nobody is talking about this.

You live in a country where the sun is almost aggressive. Yet your doctor just told you that you are Vitamin D deficient.

How?

Because sunshine alone is not enough. If you work indoors, have dark skin, or avoid the sun between 10am and 3pm... your body is probably not converting enough.

And the worst part?
The symptoms look like everyday Nigerian life.

You're always tired. The kind where you wake up exhausted. Your bones ache for no reason. Your blood pressure is stubborn. Your mood is unpredictable. You keep falling sick.

We blame stress. We blame work. We blame the economy.
It's sometimes none of those things.

One blood test changes everything. Ask for the 25-OH(hydroxy) Vitamin D test next time you're at the hospital.

If your result is below 30 ng/mL, you have your answer.

Morning sun between 7 and 10am helps. So does a Vitamin D3 supplement. Nothing complicated. Nothing expensive.

The problem was never invisible. We just never thought to look.

Have you ever tested your Vitamin D levels?

Share with someone who might need to see this.
#Health

[Ustaz Awon Hoodlums @RealSamboFatiu]

Tomorrow is Monday.

Fast if you are able to, if not earn reward by reminding others.

Remind, for indeed, the reminder benefits the believers (Q51:55).

Baarakallahu Feekum.