10 Certainties for Islamic Investors Derived from the Quran

List 10 things you know to be absolutely certain.

Mohammadin

Introduction:
Islamic finance is guided by principles derived from the Quran, emphasizing ethical and socially responsible investment practices. As an Islamic investor, it is essential to adhere to these principles while seeking profitable investment opportunities. In this article, we explore ten certainties derived solely from the Quran, highlighting the foundational beliefs that shape Islamic investment practices.

1. Prohibition of Riba (Interest):
   “Allah has permitted trade and has forbidden interest.” (Quran 2:275)
2. Prohibition of Unethical Business Practices:
   “And do not consume one another’s wealth unjustly or send it [in bribery] to the rulers in order that [they might aid] you [to] consume a portion of the wealth of the people in sin, while you know [it is unlawful].” (Quran 2:188)
3. Emphasis on Halal (Permissible) Earnings:
   “O you who have believed, eat from the good things which We have provided for you and be grateful to Allah if it is [indeed] Him that you worship.” (Quran 2:172)
4. Encouragement of Risk Sharing:
   “Allah will deprive usury of all blessing, but will give increase for deeds of charity.” (Quran 2:276)
5. Socially Responsible Investing:
   “And they give food in spite of love for it to the needy, the orphan, and the captive.” (Quran 76:8)
6. Transparency and Accountability:
   “O you who have believed, do not consume one another’s wealth unjustly but only [in lawful] business by mutual consent.” (Quran 4:29)
7. Diversification and Prudence:
   “O you who have believed, do not consume your wealth among yourselves in vanity but [instead] invest it in business that benefits both parties.” (Quran 4:29)
8. Honoring Contracts and Agreements:
   “O you who have believed, fulfill [all] contracts.” (Quran 5:1)
9. Ethical Investment Screening:
   “And cooperate in righteousness and piety, but do not cooperate in sin and aggression.” (Quran 5:2)
10. Patience and Trust in Allah:
    “And when you have decided, then rely upon Allah. Indeed, Allah loves those who rely [upon Him].” (Quran 3:159)

Conclusion:
These ten certainties derived from the Quran provide essential guidance for Islamic investors, ensuring their investment practices align with ethical and religious principles. Islamic finance encourages responsible investment, transparency, and social impact, promoting a holistic approach to wealth creation and distribution. By adhering to these Quranic principles, Islamic investors can navigate the financial landscape while upholding their faith and contributing positively to society.