Overview

What if a bank could survive without interest? What if loans were based on fairness, not exploitation? What if justice-Insaf-was the foundation of finance? This book presents a new, ethical, Shariah-compliant banking model designed for the modern world-completely free from interest (Riba) and rooted in Islamic principles of justice, transparency, and social responsibility. At the heart of this model is Insaf Bank, a proposed community-focused institution that: Operates without interest Uses gold as a unit of value (not a profit tool) Preserves fairness between lender and borrower Survives through transparent service fees and profit-sharing partnerships Focuses on microfinance and small businesses, not large corporate exploitation Unlike conventional banks, this model does not profit from debt. Instead, it promotes: Value preservation rather than interest Risk-sharing instead of risk-shifting Real economic activity over speculation Financial inclusion and social justice Written in simple, engaging language, this book explains complex Islamic finance concepts in a way that is accessible to: Practicing Muslims Students of Islamic economics Entrepreneurs and small business owners Anyone interested in ethical, interest-free finance This is not a legal or religious ruling-it is a thoughtful, practical framework for reimagining banking through the lens of Islam and universal ethics. A must-read for those who believe finance should serve people-not enslave them.

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