Sakeenah Abdullah

Muslimah Medical doctor Wife Mum

[Dr. HM Okpanachi🇳🇬(MBBS) @Dr_statesman]

Every medical school in Nigeria has one lecturer who is a legend, respected by all, irrespective of departments and ranks.

For ABU, Zaria is Prof. A.H Rafindadi.
Who is the living legend of your medical school?

[Sakeenah Abdullah @_Asakeenah_]

@deenprogress Orisirisi

[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.

[Sakeenah Abdullah @_Asakeenah_]

@realbig_shak She is beautiful.Allahuma Baarik sir

[Sakeenah Abdullah @_Asakeenah_]

@oliveKubmite Congratulations chief

[Sakeenah Abdullah @_Asakeenah_]

@abassajayi Congratulations sir,Barakallahu fihi

[Dr. Ose Etiobhio @osemagnum]

hello @Moto this is a welcome innovation.

I am Ose Etiobhio, an Obstetrics and Gynaecology specialist doctor, specialised in AI for Gynaecology and with great interest for minimal invasive surgery(laparoscopy)

this would be a great asset in the surgical field... its use in laparoscopic surgeries will be of great importance during surgeries.

Instead of surgeons looking up the screens while performing keyhole surgeries, they have their screen on their wrists👏👏👏... both surgeons looking at it real time... working together with the big screen!...

@Moto there are lots of application of this innovation...I will love so work with you guys.

Let's take surgery to the next level.

I will love this modified idea part patented to @MotorolaUS

[Dr. Donald Aniekwe @draizident]

If you’re a doctor and wondering how to complete your CPD 20 points.

These two courses will give that to you

1) Advanced Comprehensive Obstetric and Anaesthetic Skills- 15pts

2) Quality Improvement in Healthcare- 6pts

Share this.

[Dr. Ajibade @reachdrajibade]

Dear @jidesanwoolu @MedicalGuild @lagoshsc

If you want Doctors to apply for your recruitment, increase your salary. The workload for Medical Officers is crazyyyy

Be reasonable enough to at least pay a fair wage. 1 Doctor is doing the work of 3 people because many have resigned due to poor wage and exhaustion.

DO BETTER and stop putting out adverts every 2 months, no doctor would apply with the paltry amount you pay, it is not commensurate with the workload

[Dr Pepple @drpepple_]

Quick summary for doctors thinking of Japa:

So many options, but every country has its own barriers. Here’s a simple breakdown of the BARRIERS.

USA 🇺🇸
Visa restrictions + high cost of exams (USMLE journey isn’t cheap)

UK 🇬🇧
IMG prioritisation bill + limited training/employment slots

Canada 🇨🇦
Getting PR is the main hurdle + matching into residency can be tough

Germany 🇩🇪
Language barrier. You need at least B2 German

UAE/Middle East 🌍
Limited job opportunities/competition for roles

Australia 🇦🇺
High exam costs, distance barrie (and no, the “crawling animals will kill you” myth is overblown 😄)

Bottom line: every path has friction.
Once you understand the barrier, you can plan around it.

Clarity > confusion. Plan your route and move.

[Alh Dowat 🇵🇹 @BigDowat]

“Her body her choice” until she wears hijab. Bunch of hypocrites

[AFO @Dr_Afo]

In the last three weeks we've lost three doctors.
A consultant to lassa fever.
A resident to a pregnancy complication and now
A house officer to patient assault.
Nothing on the timeline.
Nothing on the news!
No freaking outbreak!
And I'm not surprised.
A thousand doctors could die and people would move on as if it's normal.
We put our lives on the line but nobody gives a shit about us, as our lives is being treated as expendable.
Something has to give.

[Oluwatimilehin 🧏 @whereisDSA]

Everyone is free to charge their worth, except Drs. 😅😅

[Sakeenah Abdullah @_Asakeenah_]

@Atilolahafeezah Abeo

[Signor Martini. @SignorMartini]

A wedding decorator would charge 10 million, and Nigerians would even brag about paying it.

A neurosurgeon charges 1 million and it's a problem.

You pay your photographer 1 million for a day event, but that's unthinkable for a consultant physician.

[Jauro XVII @Danjauro_]

Same person who pressed 1.2m on a night out will go to tier 1 Private health facility and be dragging a Cardiologist with 20years of training for charging 200k 😂

Alot of Nigerians are determined to keep Doctors as poor as possible via blackmail, like they did to lecturers

[Sakeenah Abdullah @_Asakeenah_]

@oliveKubmite @the_beardedsina Congratulations chief

[Dr Pepple @drpepple_]

Nigerian doctors practicing in Nigeria, stop offering services for free on Social media.
Anyone who needs your services should pay consultation fee and you attend to them privately except you don’t know what you’re doing.

Don’t jump in here and be making diagnoses and treatment on public social media.
It’s not only unethical, it’s demeaning of your profession.
Have some dignity.
Have some pride.
Don’t appear cheap.
The public don’t rate you like that.

[AFO @Dr_Afo]

So here's the difference between private and government that people don't know
Let's say you have a spine problem, like a multi-level disk herniation with spondylolisthesis and you need surgery.
In a government hospital, you can pay 3k to see a specialist but you'd probably get appointment spaced months apart in a busy hospital like LUTH or UNTH.
Then you can get the survey done with implant for less than N1m. Like 200k for surgery, 600k for implants and 200k for recovery.
But let's imagine you chose to go to Cedarcrest, Duchess or Memfy's Hospital instead.
You can see specialist anytime you like but you'd pay like 100k every visit.
Also, you'd pay close to 10m for surgery and recovery.
Same specialist care and same surgery but different prices.
The problem is going to cedarcrest and expecting to pay like you went to luth.
In yoruba, we call people who make this mistake olodo.

[Ayobola Adebowale @YourBabysDoctor]

PRIVATE HOSPITALS ARE FOR PROFIT MAKING.
They are businesses!
If you want free or subsidized health care, head to the government-owned hospitals.
Your government has failed you by not providing you with good healthcare; direct your grievances to them.