Adl Advisory, Kuala Lumpur (2026)

29/09/2026

𝑰𝒔 𝑺𝒉𝒂𝒓𝒊𝒂𝒉 𝑪𝒐𝒎𝒑𝒍𝒊𝒂𝒏𝒄𝒆 𝑬𝒏𝒐𝒖𝒈𝒉? 𝑾𝒉𝒂𝒕 𝑬𝒗𝒆𝒓𝒚 𝑰𝒏𝒗𝒆𝒔𝒕𝒐𝒓 𝑺𝒉𝒐𝒖𝒍𝒅 𝑲𝒏𝒐𝒘

There is an important point that needs to be clarified. When a Shariah adviser or advisory firm issues a Shariah compliance certificate either fully or partially, many people assume that this certificate guarantees the quality of the business or its proper legal foundation.

𝗜𝗻 𝗿𝗲𝗮𝗹𝗶𝘁𝘆, 𝘁𝗵𝗮𝘁 𝗶𝘀 𝗻𝗼𝘁 𝗮𝗹𝘄𝗮𝘆𝘀 𝘁𝗵𝗲 𝗰𝗮𝘀𝗲.

A Shariah certification essentially confirms that the company or its specific product is in compliance with Shariah principles, such as sourcing halal income, avoiding interest-based transactions, and staying away from haram activities. However, this does not mean that the company is necessarily successful in business or financially stable.

Shariah compliance is an 𝗮𝗱𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗹𝗮𝘆𝗲𝗿 built on top of the fundamental business foundation. Just like a house with beautiful paint does not necessarily mean it is structurally strong, having Shariah compliance alone does not guarantee a good business or a profitable investment.

Therefore, before making an investment or entering into any transaction, your own 𝗱𝘂𝗲 𝗱𝗶𝗹𝗶𝗴𝗲𝗻𝗰𝗲 is crucial:

➤ Review the company’s financial reports – what do the profit and loss statements show?

➤ Assess their market position.

➤ Evaluate the competence of the management team.

➤ Understand their future plans.

➤ Compare their performance with competitors.

For example, a company may sell only halal products, avoid interest, and pay zakat correctly. But if their business plan is weak, market demand is low, or expenses exceed income, then despite being Shariah-compliant, investing in that company would still carry significant risk.

𝗧𝗵𝗲𝗿𝗲𝗳𝗼𝗿𝗲,

=> You can confidently trust that a business with a 𝐒𝐡𝐚𝐫𝐢𝐚𝐡 𝐂𝐞𝐫𝐭𝐢𝐟𝐢𝐜𝐚𝐭𝐞 is .

=> But before making an investment decision, you must conduct the same level of due diligence as with any other business.

=> Alongside halal income, smart investing is equally important.

This is not meant to discourage, but rather to raise awareness. Through halal investments and transactions, supported by proper verification and due diligence, one can attain success and barakah by the mercy of Allah.

Contact Adl Advisory for Shariah compliance and certification services, Shariah advisory and consultancy, Shariah audit, Research & Training programs.

𝑬𝒎𝒂𝒊𝒍: [email protected] | 𝑽𝒊𝒔𝒊𝒕: adladvisory.co

28/09/2026

𝑹𝒆𝒄𝒍𝒂𝒊𝒎𝒊𝒏𝒈 𝑹𝒆𝒂𝒍𝒊𝒕𝒚: 𝑼𝒏𝒅𝒆𝒓𝒔𝒕𝒂𝒏𝒅𝒊𝒏𝒈 𝑨𝒏 𝑰𝒏𝒕𝒆𝒓𝒆𝒔𝒕-𝑭𝒓𝒆𝒆 𝑬𝒄𝒐𝒏𝒐𝒎𝒚 𝑼𝒏𝒅𝒆𝒓 𝑰𝒔𝒍𝒂𝒎𝒊𝒄 𝑮𝒐𝒗𝒆𝒓𝒏𝒂𝒏𝒄𝒆

Alhamdulillah! We are delighted to share that Dr (Mufti) Yousuf Sultan, Founder & CEO of Adl Advisory, had the honour of participating as an esteemed speaker at the 𝑺𝑬𝑨𝑵 𝑺𝒆𝒎𝒊𝒏𝒂𝒓 – 𝟓, 2026, themed “𝑺𝒉𝒂𝒓𝒊𝒂𝒉: 𝑹𝒆𝒄𝒍𝒂𝒊𝒎𝒊𝒏𝒈 𝒕𝒉𝒆 𝑹𝒆𝒂𝒍𝒊𝒕𝒚 𝒇𝒓𝒐𝒎 𝑴𝒊𝒔𝒄𝒐𝒏𝒄𝒆𝒑𝒕𝒊𝒐𝒏𝒔,” held at the International Convention Centre, Chittagong, Bangladesh.

Dr. Mufti Yousuf delivered a thought-provoking session on “𝑼𝒏𝒅𝒆𝒓𝒔𝒕𝒂𝒏𝒅𝒊𝒏𝒈 𝒕𝒉𝒆 𝑭𝒖𝒏𝒄𝒕𝒊𝒐𝒏𝒊𝒏𝒈 𝒐𝒇 𝒂𝒏 𝑰𝒏𝒕𝒆𝒓𝒆𝒔𝒕-𝑭𝒓𝒆𝒆 𝑬𝒄𝒐𝒏𝒐𝒎𝒚 𝑼𝒏𝒅𝒆𝒓 𝑰𝒔𝒍𝒂𝒎𝒊𝒄 𝑮𝒐𝒗𝒆𝒓𝒏𝒂𝒏𝒄𝒆,” exploring how an interest-free economic framework can be understood beyond theoretical discussions and considered within a practical and contemporary context.

During his session, Dr. Mufti Yousuf discussed various historical efforts towards establishing interest-free economic systems in Muslim history, the challenges associated with such endeavours, and the practical considerations relevant to the present-day context. He also highlighted key steps and possible pathways for developing an Islamic economic system that is both grounded in Shariah principles and responsive to contemporary economic realities.

Given the breadth of the subject, the discussion addressed several key dimensions within the available time, with particular emphasis on moving from misconceptions and theoretical assumptions towards a more informed understanding of the practical functioning of an interest-free economy.

The seminar also provided a valuable platform for meaningful dialogue and exchange of perspectives with distinguished scholars and speakers, including 𝐌𝐮𝐟𝐭𝐢 𝐒𝐡𝐚𝐦𝐚𝐲𝐞𝐥 𝐍𝐚𝐝𝐰𝐢 and 𝐓𝐨𝐡𝐚 𝐉𝐚𝐥𝐢𝐥, along with other respected scholars and professionals from Bangladesh and abroad.

We sincerely appreciate 𝑺𝑬𝑨𝑵 for organising this important seminar and for creating a platform that encourages thoughtful discussion on Shariah, Islamic economics, and contemporary challenges. Such initiatives play an important role in fostering greater understanding, knowledge-sharing, and constructive dialogue around the practical dimensions of Islamic economic principles.

At Adl Advisory, we remain committed to contributing to meaningful conversations that advance the understanding and application of Shariah principles in contemporary finance and economics.

25/09/2026

𝑾𝒂𝒒𝒇: 𝑨 𝑳𝒆𝒈𝒂𝒄𝒚 𝒐𝒇 𝑪𝒐𝒏𝒕𝒊𝒏𝒖𝒐𝒖𝒔 𝑪𝒉𝒂𝒓𝒊𝒕𝒚 & 𝑺𝒐𝒄𝒊𝒂𝒍 𝑬𝒎𝒑𝒐𝒘𝒆𝒓𝒎𝒆𝒏𝒕

Waqf is a unique form of philanthropy that combines both spiritual and social benefits, playing a vital role in Muslim communities throughout history. Scholars explain that Waqf (endowment) is a prime example of 𝑺𝒂𝒅𝒂𝒒𝒂𝒉 𝑱𝒂𝒓𝒊𝒚𝒂𝒉 (𝑪𝒐𝒏𝒕𝒊𝒏𝒖𝒐𝒖𝒔 𝑪𝒉𝒂𝒓𝒊𝒕𝒚).

𝗧𝗵𝗲 𝗣𝗿𝗼𝗽𝗵𝗲𝘁 𝗠𝘂𝗵𝗮𝗺𝗺𝗮𝗱 𝘀𝗮𝗶𝗱: “When a person dies, his deeds come to an end except for three:

=> 𝑺𝒂𝒅𝒂𝒒𝒂𝒉 𝑱𝒂𝒓𝒊𝒚𝒂𝒉 (continuous charity).

=> 𝑩𝒆𝒏𝒆𝒇𝒊𝒄𝒊𝒂𝒍 𝑲𝒏𝒐𝒘𝒍𝒆𝒅𝒈𝒆.

=> 𝑨 𝒓𝒊𝒈𝒉𝒕𝒆𝒐𝒖𝒔 𝒄𝒉𝒊𝒍𝒅 𝒘𝒉𝒐 𝒑𝒓𝒂𝒚𝒔 𝒇𝒐𝒓 𝒉𝒊𝒎.” (Muslim 1631)

𝗞𝗲𝘆 𝗣𝗿𝗶𝗻𝗰𝗶𝗽𝗹𝗲𝘀 𝗮𝗻𝗱 𝗙𝗲𝗮𝘁𝘂𝗿𝗲𝘀:

- 𝗜𝗿𝗿𝗲𝘃𝗼𝗰𝗮𝗯𝗹𝗲 𝗗𝗲𝗱𝗶𝗰𝗮𝘁𝗶𝗼𝗻: Once property is designated as waqf, it becomes inalienable and cannot be sold, inherited, or used for personal gain. This ensures that the charitable purpose continues to be served indefinitely.

- 𝗗𝗶𝘃𝗲𝗿𝘀𝗲 𝗕𝗲𝗻𝗲𝗳𝗶𝗰𝗶𝗮𝗿𝗶𝗲𝘀: Waqfs can be established to benefit a wide range of causes, including religious institutions (mosques, schools), social welfare (hospitals, orphanages), public infrastructure (wells, bridges), and even commercial ventures whose profits support the intended charity.

- 𝗙𝗹𝗲𝘅𝗶𝗯𝗹𝗲 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: The management of waqf assets is entrusted to individuals or institutions known as mutawallis, who are responsible for maintaining property, generating income, and ensuring the fulfillment of the waqf's objectives.

- 𝗦𝗽𝗶𝗿𝗶𝘁𝘂𝗮𝗹 𝗥𝗲𝘄𝗮𝗿𝗱𝘀: Waqf is considered a highly meritorious act in Islam, believed to bring continuous blessings and rewards to the donor even after death.

𝗧𝘆𝗽𝗲𝘀 𝗼𝗳 𝗪𝗮𝗾𝗳:

➤ 𝗖𝗵𝗮𝗿𝗶𝘁𝗮𝗯𝗹𝗲 𝗪𝗮𝗾𝗳: Dedicated solely to public benefit, such as mosques, schools, and hospitals.

➤ 𝗙𝗮𝗺𝗶𝗹𝘆 𝗪𝗮𝗾𝗳: Established to provide for the descendants of the donor, with any surplus benefiting charitable causes.

➤ 𝗠𝗶𝘅𝗲𝗱 𝗪𝗮𝗾𝗳: A combination of charitable and family waqf, balancing the needs of both beneficiaries.

Strengthen your appreciation of as a symbol of enduring generosity and social responsibility in Islam. Recognize Waqf's role in empowering communities, preserving heritage, and advancing sustainable development, while understanding its deep connection between faith and service in the Muslim world.

24/09/2026

𝐀 𝐕𝐚𝐥𝐮𝐞𝐝 𝐓𝐞𝐬𝐭𝐢𝐦𝐨𝐧𝐢𝐚𝐥 𝐟𝐫𝐨𝐦 𝐖𝐡𝐨𝐥𝐞𝐬𝐮𝐦 — 𝐒𝐡𝐚𝐫𝐢𝐚𝐡 𝐂𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞 𝐰𝐢𝐭𝐡 𝐄𝐱𝐩𝐞𝐫𝐭 𝐆𝐮𝐢𝐝𝐚𝐧𝐜𝐞

Alhamdulillah, we are honored to share a testimonial from Dr Tanvir Uddin, Founder & CEO of Wholesum (Australia), reflecting on his experience of working and collaborating with Adl Advisory.

Dr. Tanvir highlighted ADL Advisory’s technical expertise, detailed guidance, responsiveness, and practical support in facilitating necessary amendments to documentation and processes while understanding the commercial context across multiple markets.

We sincerely appreciate Wholesum’s trust and valued partnership and are grateful for the opportunity to support their journey in developing Shariah-compliant products and services, InshaAllah.

23/09/2026

𝑺𝒕𝒓𝒆𝒏𝒈𝒕𝒉𝒆𝒏𝒊𝒏𝒈 𝑰𝒔𝒍𝒂𝒎𝒊𝒄 𝑭𝒊𝒏𝒂𝒏𝒄𝒆 𝑲𝒏𝒐𝒘𝒍𝒆𝒅𝒈𝒆: 𝑭𝒓𝒐𝒎 𝑹𝒊𝒃𝒂 𝒕𝒐 𝑯𝒂𝒍𝒂𝒍 𝑨𝒍𝒕𝒆𝒓𝒏𝒂𝒕𝒊𝒗𝒆𝒔

Alhamdulillah, we are pleased to share that Dr (Mufti) Yousuf Sultan, Founder & CEO of Adl Advisory, had the privilege of joining as an esteemed Trainer at the “𝑾𝒐𝒓𝒌𝒔𝒉𝒐𝒑 𝒐𝒏 𝑷𝒓𝒊𝒏𝒄𝒊𝒑𝒍𝒆𝒔 𝒐𝒇 𝑰𝒔𝒍𝒂𝒎𝒊𝒄 𝑭𝒊𝒏𝒂𝒏𝒄𝒆: 𝑭𝒓𝒐𝒎 𝑹𝒊𝒃𝒂 𝒕𝒐 𝑯𝒂𝒍𝒂𝒍 𝑨𝒍𝒕𝒆𝒓𝒏𝒂𝒕𝒊𝒗𝒆𝒔,” organised by 𝐇𝐚𝐬𝐚𝐧𝐚𝐡 𝐅𝐨𝐮𝐧𝐝𝐚𝐭𝐢𝐨𝐧, held on 22 & 23 August 2026.

The two-day workshop brought together a distinguished panel of scholars, researchers, and trainers, including 𝐃𝐫. 𝐌𝐢𝐳𝐚𝐧𝐮𝐫 𝐑𝐚𝐡𝐦𝐚𝐧 𝐀𝐳𝐡𝐚𝐫𝐢, Dr (Mufti) Yousuf Sultan, Mufti Abdullah Masum, Abu Bakar Nabil, Mufti Zubayer Abdullah, Mufti Sajjadur Rahman, & Ahsanul Islam - CSAA, Mufti. Their collective expertise contributed to a meaningful learning experience for participants seeking to strengthen their understanding of Islamic economics & finance.

Across six sessions, the workshop explored the fundamental principles of Islamic economics & finance, providing participants with valuable insights into Riba and its Shariah-compliant alternatives, the application of Islamic finance in contemporary economic realities, and the Shariah rulings governing various financial transactions.

As part of the final session, participants presented the outcomes of a preceding group activity, creating an engaging and interactive learning environment. Masha’Allah, the presentations reflected the participants’ enthusiasm, effort, and understanding of the topics covered throughout the workshop. Their active participation and attentiveness further enriched the overall learning experience.

During his session, Dr. Yousuf discussed and highlighted key principles of Islamic finance, further contributing to participants’ understanding of Shariah-based financial practices and practical alternatives to interest-based financial mechanisms.

The workshop concluded with closing remarks delivered by Dr. Mizanur Rahman Azhari, marking the completion of a valuable two-day educational initiative dedicated to building greater awareness and understanding of Islamic finance.

We sincerely appreciate Hasanah Foundation for organising this meaningful initiative and for creating a valuable platform for knowledge-sharing among scholars, trainers, and participants. Such programmes play an important role in strengthening awareness of Shariah-compliant financial solutions and developing a deeper understanding of Islamic finance.

At Adl Advisory, we remain committed to supporting and contributing to initiatives that promote Shariah knowledge, professional development, and ethical financial practices.

22/09/2026

𝑰𝒏𝒕𝒆𝒈𝒓𝒊𝒕𝒚 𝒊𝒏 𝑻𝒓𝒂𝒅𝒆: 𝑰𝒔𝒍𝒂𝒎𝒊𝒄 𝑬𝒄𝒐𝒏𝒐𝒎𝒊𝒄𝒔 𝒂𝒏𝒅 𝑬𝒕𝒉𝒊𝒄𝒂𝒍 𝑩𝒖𝒔𝒊𝒏𝒆𝒔𝒔 𝑷𝒓𝒂𝒄𝒕𝒊𝒄𝒆𝒔

In Islamic economics, trade is not merely a pursuit of profit; it is a moral responsibility and a form of accountability before Allah S.W.T. Every transaction must be founded on mutual consent, transparency, fairness, and ethical conduct, while strictly avoiding riba, deception, injustice, & exploitation.

Allah S.W.T says in the Qur’an: “O believers! Do not consume one another’s wealth unjustly, but only through trade by mutual consent. And do not kill one another. Surely, Allah is Most Merciful to you.” [Surah Al-Nisa 4:29]

By upholding these principles, Islamic finance promotes the just circulation of wealth, nurtures trust between parties, and brings barakah to businesses and society at large. Ethical trade is not only a legal obligation but also a spiritual commitment that reflects integrity, justice, and consciousness of Allah in every transaction.

At Adl Advisory, we help businesses and investors align their activities with Shariah principles, ensuring transactions are ethical, Shariah-compliant, and value-driven, leading to sustainable growth and outcomes that bring barakah.

For Shariah advisory & consultancy, Shariah audit, training, and I-Fin tour programs: 📧 [email protected] | 🌐 www.adladvisory.co

Visit https://adladvisory.co/appointment/ to schedule a direct consultation with Dr (Mufti) Yousuf Sultan, Founder & CEO of Adl Advisory, to explore Shariah-compliant solutions with clarity, confidence, and professional guidance.

21/09/2026

𝑨𝑫𝑳 𝑰-𝑭𝒊𝒏𝑻𝒐𝒖𝒓 | 𝑭𝒓𝒐𝒎 𝑪𝒍𝒂𝒔𝒔𝒓𝒐𝒐𝒎 𝒕𝒐 𝑰𝒏𝒅𝒖𝒔𝒕𝒓𝒚: 𝑭𝒊𝒓𝒔𝒕-𝑯𝒂𝒏𝒅 𝑻𝒂𝒌𝒂𝒇𝒖𝒍 𝑰𝒏𝒅𝒖𝒔𝒕𝒓𝒚 𝑬𝒙𝒑𝒐𝒔𝒖𝒓𝒆

Alhamdulillah, on 26 August 2026, the second day of the 𝑨𝑫𝑳 𝑰-𝑭𝒊𝒏𝑻𝒐𝒖𝒓 brought delegates from Bengal Islami Life Insurance Limited beyond the classroom and into Malaysia’s 𝑻𝒂𝒌𝒂𝒇𝒖𝒍 𝒂𝒏𝒅 𝑹𝒆-𝑻𝒂𝒌𝒂𝒇𝒖𝒍 industry, providing an opportunity to gain first-hand institutional exposure and practical industry insights.

As part of the programme, participants visited takaful and re-takaful operators, as well as the Malaysian Takaful Association, where they engaged with senior executives and learned about the organisations’ operations, activities, industry practices, and role within Malaysia’s Islamic financial ecosystem.

The day also included engagement with 𝑻𝒂𝒌𝒂𝒇𝒖𝒍𝟒𝑨𝒍𝒍 and Munich Re, further broadening participants’ understanding of takaful, insurance, re-takaful, and risk solutions through direct interaction with industry practitioners.

These institutional engagements provided a valuable opportunity for participants to connect the concepts explored during the training with real-world organisational practices and industry experience.

The two-day Executive Training in Takaful Management concluded with a 𝑪𝒆𝒓𝒕𝒊𝒇𝒊𝒄𝒂𝒕𝒆 𝑷𝒓𝒆𝒔𝒆𝒏𝒕𝒂𝒕𝒊𝒐𝒏 by Dr (Mufti) Yousuf Sultan, Founder & CEO of Adl Advisory, recognising the participants’ successful completion of the programme.

At Adl Advisory, we remain committed to creating learning experiences that connect knowledge with practice, professionals with institutions, and leadership with the evolving needs of the Islamic finance industry.

We sincerely thank the Bengal Islami Life Insurance Limited delegation for their active participation throughout the 𝑰-𝑭𝒊𝒏𝑻𝒐𝒖𝒓, and extend our appreciation to the Malaysian Takaful Association, Takaful4All, and Munich Re for sharing their valuable knowledge, experience, and industry perspectives.

We look forward to creating more opportunities for knowledge exchange and leadership development in Islamic finance, InshaAllah.

18/09/2026

𝐓𝐡𝐞 𝐁𝐥𝐞𝐬𝐬𝐢𝐧𝐠𝐬 𝐨𝐟 𝐉𝐮𝐦𝐮'𝐚𝐡: 𝐀 𝐃𝐚𝐲 𝐨𝐟 𝐔𝐧𝐢𝐭𝐲, 𝐏𝐫𝐚𝐲𝐞𝐫, 𝐚𝐧𝐝 𝐀𝐜𝐜𝐞𝐩𝐭𝐚𝐧𝐜𝐞 𝐟𝐨𝐫 𝐌𝐮𝐬𝐥𝐢𝐦𝐬

Jumu'ah is a day dedicated to the increased remembrance of Allah. The prayer on the day of Jumu'ah holds a special place in Islam, symbolizing unity and brotherhood.

𝗝𝘂𝗺𝘂’𝗮𝗵 (Friday) prayer is not just a weekly congregation; it is a divine opportunity for unity, reflection, and spiritual renewal. On this special day, let us pause from worldly engagements, turn sincerely towards the remembrance of Allah, and strive to make the most of these final days of Ramadan with heartfelt dua and increased devotion.

The Prophet Muhammad (ﷺ) said, "There is a moment on Friday, and if a Muslim gets it while praying and asks something from Allah, then Allah will definitely fulfill his demands." (Nasai 1430) The hour of acceptance: The Prophet (ﷺ) indicated that this special hour is likely between Asr prayer and sunset. (Tirmidhi 489)

On this blessed day, let us embrace the opportunity to renew our faith, seek forgiveness, and reconnect with our community. May this Jumu'ah bring us peace, prosperity, and a deeper connection with our Creator.

16/09/2026

𝐖𝐢𝐬𝐡𝐢𝐧𝐠 𝐌𝐚𝐥𝐚𝐲𝐬𝐢𝐚 𝐚 𝐁𝐥𝐞𝐬𝐬𝐞𝐝 𝐌𝐚𝐥𝐚𝐲𝐬𝐢𝐚 𝐃𝐚𝐲

Today, 16 September 2026, Malaysia commemorates 𝟔𝟑 𝒚𝒆𝒂𝒓𝒔 since the formation of the Federation of Malaysia — a historic milestone that brought together diverse states, communities, cultures, and beliefs under one flag, united by a shared vision for the nation’s future. 𝗧𝗵𝗶𝘀 𝘆𝗲𝗮𝗿'𝘀 𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝘁𝗵𝗲𝗺𝗲, 𝑴𝒂𝒍𝒂𝒚𝒔𝒊𝒂 𝑴𝑨𝑫𝑨𝑵𝑰: 𝑲𝒆𝒔𝒆𝒋𝒂𝒉𝒕𝒆𝒓𝒂𝒂𝒏 𝑫𝒊𝒏𝒊𝒌𝒎𝒂𝒕𝒊, calls for 𝑷𝒓𝒐𝒔𝒑𝒆𝒓𝒊𝒕𝒚 𝒕𝒐 𝒃𝒆 𝒔𝒉𝒂𝒓𝒆𝒅 and enjoyed by every Malaysian.

Malaysia Day is more than a date on the calendar. It is a reminder of what a nation can achieve when its people choose unity over division and cooperation over competition. This spirit has shaped Malaysia into a country known across the region for its harmony, resilience, and steady progress.

At Adl Advisory, we are proud to be part of this nation's story. As a Shariah Advisory firm based in Malaysia, we are grateful for the trust placed in us as we support the growth of Islamic finance, both within the country and across the wider region.

On this special day, we extend our warmest wishes to the people of Malaysia. May Allah SWT continue to bless this land with barakah, peace, and prosperity, and guide it towards even greater achievements in the years ahead. Aameen.

𝑺𝒆𝒍𝒂𝒎𝒂𝒕 𝑯𝒂𝒓𝒊 𝑴𝒂𝒍𝒂𝒚𝒔𝒊𝒂 🇲🇾

27/08/2026

𝑺𝒐𝒄𝒊𝒂𝒍 𝑱𝒖𝒔𝒕𝒊𝒄𝒆 & 𝑾𝒆𝒂𝒍𝒕𝒉: 𝑻𝒉𝒆 𝑴𝒆𝒅𝒊𝒏𝒂𝒏 𝑴𝒐𝒅𝒆𝒍 𝒐𝒇 𝑬𝒒𝒖𝒊𝒕𝒚

While capitalism often focuses on wealth accumulation, the Prophet Muhammad ﷺ established a society in Madinah where wealth was encouraged to circulate, poverty was addressed, and the well-being of the community was valued alongside individual prosperity.

Allah S.W.T says: "So that wealth may not merely circulate among your rich." [Surah Al-Hashr 59:7]

The Prophet (ﷺ) established economic brotherhood between the Muhajirun and Ansar, instituted zakat as an institutional pillar, and personally lived simply while ensuring the vulnerable were provided for.

The Prophet (ﷺ) said: “He is not a believer whose stomach is full while his neighbor goes hungry.” [Sunan al-Kubra 19049]

𝐏𝐫𝐚𝐜𝐭𝐢𝐜𝐚𝐥 𝐒𝐭𝐞𝐩𝐬 𝐭𝐨 𝐋𝐢𝐯𝐞 𝐭𝐡𝐞 𝐌𝐚𝐝𝐢𝐧𝐚𝐧 𝐌𝐨𝐝𝐞𝐥:

=> Embracing the Madinan Model begins with intentional giving, regularly calculating and distributing zakat and sadaqah with precision. Support ethical businesses, micro-enterprises, and community-driven waqf models that uplift society and promote shared prosperity.

=> Be mindful of your spending habits by setting aside a portion of your monthly earnings for community benefit. Advocate for financial systems that foster inclusion, dignity, and fairness, ensuring they empower people rather than trapping them in cycles of exclusion and debt.

May we, as an ummah, uphold and revive the noble legacy of the Prophet (ﷺ), embodying financial justice, compassion, and mercy in all that we do.

At Adl Advisory, we believe Shariah-compliant finance must embody the spirit of mercy, justice, and equity that defined .

Contact Adl Advisory for Shariah advisory and consultancy, Shariah audit, Research & Training programs: 📧 [email protected] | 🌐 www.adladvisory.co

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