احمد

A striving Muslim 🇪🇭🇸🇩

[احمد @Uhaymad]

اللهم لا تؤاخذني بما يقولون، واجعلني خيرا مما يظنون، واغفر لي مالا يعلمون.

[Mr. El-Bonga @el_bonga]

To all those sisters that dress in their beautiful Hijabs—leaving nothing to be revealed—in a society where wearing of the Hijab is considered “old fashioned”, may Allah continue to make you steadfast on the deen.

[Aminu Dalhat @AminuDalhat]

Over the years, we have been successfully brainwashed into thinking small, lacking ambition, and doing mediocre things.

In fact, if you understand your faith well, you’ll know that you should try to excel in everything good that you do.

Please aim for greatness.

[Mayowa Sheikhspeare @CoveredInWords]

Most people don't realize this, but one Islamic reminder that you share on social media can trigger a chain reaction of deeds that never stops.

It takes seconds to share, yet someone may pray because of it, repent because of it, return to the Qur'an because of it,

[Arafat PMP® @oil_shaeikh]

I need every Nigerian to retweet this and contribute to the cause of saving Maryam’s life, she’s diagnosed with Tetralogy of Fallot with Polycythemia.
She’s currently at ABU teaching hospital SHIKA receiving primary attention.

[Abdool Moh. @abdool_moh]

“In Haiti & Somalia, Terrorists generate more revenue than the government. In Ecuador, a presidential candidate campaigned to end insecurity, the terrorists warned him and when he campaigned against insecurity again, they killed him. This is where Nigeria is heading” -Bulama Bukarti

[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.

[احمد @Uhaymad]

Letting go of the obsession that i have to understand everything perfectly while reading has been difficult but I’m getting there in sha Allah.

[A.Y.O @YusufAsunmogejo]

Like I said, God will continue to vindicate me. Two days ago when I said trading futures is HARAM, many of you came for my head. You think I am against investment? I am only against haram investment.

Look at this screenshot and video closely. This guy round-tripped his wealth from a peak net worth of 45 million dollars down to roughly 17,200 dollars. He lost almost everything to the meat grinder of futures trading.

Let us call it what it is: futures trading is just gambling laced with financial jargon. You are not buying an asset, you are not investing in a company, and you are not creating any value. You are simply betting on price movements with high leverage.

The system is rigged to trigger your greed, and the moment the market moves a fraction against you, your hard-earned money is completely wiped out in seconds.

Because you see one Ahmed or one Habby posting profits on your timeline, you think it is a viable path. Don’t you know that in a volatile and highly manipulated trading market, before you see one lucky Ahmed, you would see 100 silent people who have lost every single thing they own? The winners are the exception, while the losers are the statistical guarantee.

It is better many of you rechannel your energy and build sustainable halal wealth before it’s too late. Put your money into real businesses, tangible assets, and investments where you actually own what you pay for. Stop chasing the illusion of fast money through gambling disguised as trading.

Allah knows best.

[Gabriel F Harris @geebereal99]

The Arabic word for respect is "ihtiram" (احترام).
Its root doesn't mean "to be polite."
It means "to forbid."

In Arabic, respecting someone means treating them as someone you are forbidden to violate.

[عمر فاروق🇸🇦 @faruqfromdeep]

tomorrow is Yawmul ‘Arafah! fast, if you are able, and encourage others to do the same.

and as you observe your fast, try to avoid all forms of transgression whether major or minor.

you shouldn't be sinning on the day Allāh expiates sins.

may Allāh count us among the forgiven.

[🇵🇸𝑖𝑚𝑎𝑛.Rx @hameeda_im]

We’re still trying to help these families to fix their homes during this rainy season.

Please donate fisabilillah and repost for others to see. Jazakumullahu khairan.

[Al-fawaaid Bookshop @Chubado_a]

Aikin Hajji gaba daya Tawhid take tabbatarwa.

[Sadiya @Halima_Fajr]

Alhamdulillah, hard copies are available now.

[No filter Skin @NoFilterSkin]

The Arabic word for "womb" is "rahm" (رحم). The word for "mercy" is "rahma" (رحمة). Same root. Arabic is telling you: the first mercy you ever received was a place that held you before you could hold yourself.

[Abdool Moh. @abdool_moh]

Today I purchased the first car to be included in the first batch of the test shipment of the business.

Toyota Yaris 2011
Mileage 183km

After factoring all costs related to shipping, customs etc. This car will be offered for 1m less than the market price as per the purpose of the business. The car has had only 2 owners since 2011 and was driven by an old dutch woman for 10 years from 2016 - 2026, so you can have an idea of how well it was taken care of. In the coming days, I will be targeting other Toyota Yaris models 2008, 2009, 2010 and 2012, both automatic & manual.
I am open to suggestions on other cars to include. May the Almighty guide us.

[Dr Meeno💜🩺 @AHKurfi]

From Two Parents to None: My Medical School Journey;

[Dr Meeno💜🩺 @AHKurfi]

Imagine falling off a valley or somewhere deep and a rope was given to you to save you. How would you hold that rope? Very tight right? So that you would be saved.The Qur’an was sent to you on this earth as a rope too,so hold on to it very tighttttt so that you’ll be saved.