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How do you define Riba?
How do you define Riba?
Riba is an Arabic term that translates to “excess” or “increase.” In Islamic finance and jurisprudence, it refers to the concept of usury or the charging of interest on loans. Riba is explicitly prohibited in Islam, as it is considered exploitative and unjust. The prohibition is based on principles outlined in the Quran and the Hadith (sayings and actions of the Prophet Muhammad).
How can I find Riba Free financing to buy a home?
How can I find Riba Free financing to buy a home?
Please navigate through to our product directory and it will show you all the above options for home financing in the UK.
Do you offer a Riba Cleansing service?
Do you offer a Riba Cleansing service?
Yes, we do cleanse Riba and highly recommend that you take it out of the system and don’t allow the institutions and entities that generate Riba to continue e editing from it.
We have a separate account dedicated to cleansed Riba.
What are the main types of Riba?
What are the main types of Riba?
Riba has various shapes, sizes and forms. The two main types that commonly exist and are most witnessed explained below.
There are two main types of Riba:
1. *Riba al-Nasi’ah (ربا النسيئة)*: This refers to the interest charged on loans. It occurs when a lender requires the borrower to pay back more than the principal amount, typically as a condition of the loan. For example, lending $100 and requiring $110 in return.
2. *Riba al-Fadl (ربا الفضل)*: This refers to an excess in the exchange of specific commodities (such as gold, silver, wheat, barley, dates, and salt) that are of the same kind. For example, trading unequal amounts of gold or selling low-quality wheat for high-quality wheat in unequal quantities.
The prohibition of Riba is rooted in the belief that money should not generate profit simply by being lent out. Instead, profit should be earned through legitimate trade, investment, or productive economic activity. Islamic finance offers alternative financial instruments, such as profit-sharing (Mudarabah), joint ventures (Musharakah), and leasing (Ijarah), to comply with these principles.
What's the issue with interest?
What's the issue with interest?
Over the past 100 years, interest has played a significant role in ensuring major parts of the global population are busy servicing debt by paying more money on top what they borrow. Fundamentally the interest-based model widens economic inequality. No country has ever implemented a fully- fledged interest free economic system and this approach would relieve millions of households from its heaviness. The RFF advocates and champions the use of riba-free and promotes business, products and services which offer riba-free value- based solutions.
What is the Riba Free Foundation (RFF)?
What is the Riba Free Foundation (RFF)?
The Riba Free Foundation is a thought leader and advocacy organisation dedicated to promoting and facilitating interest-free and usury-free (Riba-free) financial systems, transactions. One of its core Asim is to help people lead a Riba-Free lifestyle.
Is the Riba Free Foundation a charity?
Is the Riba Free Foundation a charity?
Yes, The Riba Free Foundation (RFF) is a registered charity under the England & Wales Charity Commission. It is registered under charity number 1206633 and has a board of trustees in place to manage the governance and strategic direction of the organisations cause and projects.
What is the purpose of the Riba Free Foundation (RFF)?
What is the purpose of the Riba Free Foundation (RFF)?
The purpose of our organisation is to shine a light on the harmful nature of interest and usury (known as riba) so that people can better understand money, finance and economics through the lens of Riba. We provide riba-free financial training and champion the use of riba-free through marketing and awareness campaigns.
To provide value beyond that we are currently developing a product directory of riba-free businesses and financial institutions that have riba- free products and services. We only ensure that organisations in the product directory have been properly vetted and endorsed to provide real value and commercially driven solutions for the masses.
Does the Riba Free Foundation (RFF) provide training and courses?
Does the Riba Free Foundation (RFF) provide training and courses?
Yes, Absolutely! We are fine believes that everyone should have access to a good financial education, which currently the schooling system fails to deliver. We provide in-person training, seminars, workshops as well as online. We do these across various UK cities and intentionally around the world.
How can we request someone from the Riba Free Foundation to speak at our event?
How can we request someone from the Riba Free Foundation to speak at our event?
You can send all requests to hello@ribafree.org.uk and we will endeavour to respond to you as soon as possible. In fact, out CEO and senior leadership team regularly speak through various TV, radio, media and podcast platforms.
Do you offer any services outside of the UK?
Do you offer any services outside of the UK?
As a UK based organsiation, the majority of our work does take place domestically, however our financial literacy programs and seminars can be administered globally. We hope to launch a globally product directory in the very near future.
