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بسم الله الرحمن الرحيم In the name of Allah, the Compassionate, the Merciful All praise are due to Allah alone and may the peace and blessings be upon the Messenger of Allah. To proceed: The AMJA Fiqh Committee Resident Fatwa Committee met in Houston on the 20-22 of Dhul-Qadah 1435 A.H. (September 15-17 2014 C.E.) in order to issue a resolution concerning Islamic Home Financing in the United States. This meeting took place after an entire conference had previously been held on this topic, in which papers were discussed in the presence and with the participation of representatives of most of the relevant companies. This was followed up by correspondence between the Resident Fatwa Committee  Fiqh Committee and those companies with an attempt to clarify and respond to the Shareeah issues that are present in their contracts. Sh. Jamaal Zarabozo (may Allah preserve him) also participated in this meeting in Houston....
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  • Lotfi fraj
    Lotfi fraj says #
    Is Ameen Housing best choice?
    after reading your article, I come to conclusion that Ameen housing is the best choice for someone to buy a house or invest his mo
  • Amin
    Amin says #
    Zakah for the money invested w...
    AA. Is the total amount of money invested with Ameen Housing, in order to buy my primary residence in future, Zakat liable? JAK.
  • Aliaa Soliman
    Aliaa Soliman says #
    How can I thank you!
    Jazakum Allah khair wallahi from the bottom of my heart!!!!!!!!!!!! Thank you so very much for your hard work. May Allah reward yo
  • Adam
    Adam says #
    BENA Capital
    Hi, is it permissible to invest or buy a home from BENA Capital which is based in San Ramon, California? Does their model violate
  • Jamal Said
    Jamal Said says #
    I already purchased a house through UIF back in 1/2013. This fatwa came out 9/2014. If there is suspicious in their Sharia dealin
The Permanent Fatwa Committee of AMJA (The Assembly of Muslim Jurists of America) has conducted an in-depth study on the issue of buying homes directly from the bank (foreclosure) as it occurs in the United States of America. Several members of the committee submitted working papers for discussion and mutual exchange of viewpoints, with deliberations continuing over the course of a number of sessions. The committee also consulted AMJA’s Higher Advisory Board due to the contemporary nature of this transaction and the frequency with which Muslims have been asking about it, especially after the recession currently being witnessed in the real estate market in the United States and the great number of Muslims expressing interest in permissible home-buying methods. The members of the committee reached a total of three different conclusions concerning this transaction, the differences being based on the loan contract the bank provides to the client in order to...
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Auto Insurance Auto insurance in most (if not all) Western countries is mandated by the state. (Among Muslim scholars, Al-Zarqa and Abdullah Ali-Mahmood argue that automobile insurance must be required even from a Shareeah perspective as it is the way by which people can fulfill their responsibility towards others in the case of accidents, which are an everyday occurrence and whose effects can be very costly.) As was stated above, there does not seem to be any disagreement among commentary scholars that taking such insurance is a type of necessity. Without such insurance one could face heavy fines and even imprisonment. This is what tilts the scale in favor of considering this type of insurance a genuine need or necessity. However, it is important to remember that the principle of necessity requires that one limit one’s indulgence in the normally prohibited act. In other words, one must take the minimum auto...
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Introduction All praises are due to Allah. We praise Him, seek His Help, and ask for His forgiveness. We seek refuge in Allah from the evil in our souls and from our sinful deeds. Whoever Allah guides, no one can mislead. Whoever Allah leads astray, no one can guide. I bear witness that there is no one worthy of worship except Allah. I also bear witness that Muhammad is His servant and messenger. Without a doubt, one issue that is often on the minds of Muslims in the West is that of insurance. Indeed, one could argue that it is easy for a Muslim living in a non-Islamic society, like that of the United States where the Islamic community is not very strong and the social welfare system is virtually absent, to feel that he is driven by necessity to accept the concept of commercial insurance. However, such a feeling is...
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