Adl Advisory

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

𝑻𝒉𝒆 𝑺𝒊𝒈𝒏𝒊𝒇𝒊𝒄𝒂𝒏𝒄𝒆 𝒐𝒇 𝑷𝒓𝒐𝒑𝒉𝒆𝒕 𝑴𝒖𝒉𝒂𝒎𝒎𝒂𝒅 𝑺.𝑨.𝑾 𝒊𝒏 𝑰𝒔𝒍𝒂𝒎: 𝑨 𝑮𝒖𝒊𝒅𝒊𝒏𝒈 𝑳𝒊𝒈𝒉𝒕 𝒇𝒐𝒓 𝑨𝒍𝒍 𝑮𝒆𝒏𝒆𝒓𝒂𝒕𝒊𝒐𝒏𝒔

In the blessed month of Rabi al-Awwal, the world witnessed the greatest gift from Allah, the birth of the Prophet Muhammad (ﷺ). His arrival was like dawn after a long night of darkness, bringing light, hope, and mercy to all creation. Through him, humanity was lifted from ignorance to knowledge, from oppression to justice, from despair to guidance. He was, and remains, the greatest mercy ever sent to mankind — a leader, a teacher, a friend, and a guide whose presence changed history forever.

Though he left this world in the same month (𝐑𝐚𝐛𝐢' 𝐚𝐥-𝐀𝐰𝐰𝐚𝐥), his light has never faded. His words, his example, and his legacy continue to shine brighter with every passing generation. He is not only the Prophet of his time, but the Prophet of all times — past, present, and future. His guidance remains alive in every corner of the world, in every heart that follows his Sunnah, and in every life touched by his message of mercy and truth.

Allah S.W.T says in the Qur’an: “Indeed, in the Messenger of Allah Muhammad (ﷺ) you have an excellent example for whoever hopes in Allah and the Last Day and remembers Allah often.” [Surah Al-Ahzab 33:21]

His teachings were not mere words but a living Qur’an. Aishah (RA) was asked about his character, and she replied: “The character of the Prophet (ﷺ) was the Qur’an.” [Sahih Muslim, Hadith 746]

The Prophet Muhammad (ﷺ) himself said: “I was only sent to perfect good character.” [Musnad Ahmad, Hadith 8952; Sahih]

𝐋𝐞𝐬𝐬𝐨𝐧 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐔𝐦𝐦𝐚𝐡:

As we welcome Rabi al-Awwal, a month of great significance in Muslim history, we must remember that the true love of the Prophet (ﷺ) is shown through living his Sunnah in every aspect of life, in worship, personal character, society, politics, economics, and finance.

The Prophet (ﷺ) not only guided us in matters of faith and worship but also laid down principles of justice, honesty, transparency, and fairness in financial dealings. His teachings remain the foundation of ethical finance, responsible trade, and just economic systems.

As an Ummah, we are called to follow his guidance not only in the mosque but also in the marketplace, boardroom, and every decision we make. This is the path to true success in this world and the Hereafter.

May Allah make us among those who follow his path with sincerity and love. Ameen.

𝐑𝐚𝐛𝐢' 𝐚𝐥-𝐀𝐰𝐰𝐚𝐥: 𝐀 𝐌𝐨𝐧𝐭𝐡 𝐭𝐨 𝐇𝐨𝐧𝐨𝐫 𝐭𝐡𝐞 𝐏𝐫𝐨𝐩𝐡𝐞𝐭’𝐬 𝐋𝐞𝐠𝐚𝐜𝐲

The man considered to be the greatest creation to walk the face of the earth, whom Allah SWT Himself testifies in the Qur'an as being of “great moral character.”

Allah S.W.T says in the Qur'an: "And you are truly ˹a man˺ of outstanding character." [Al-Qalam 68:4]

He is none other than the final prophet and messenger of Islam, Muhammad bin Abdullah PBUH.

Let’s take it upon ourselves to use this blessed month of 𝐑𝐚𝐛𝐢' 𝐚𝐥-𝐀𝐰𝐰𝐚𝐥 as another opportunity to appreciate and derive lessons from 𝟏𝟏 𝐀𝐬𝐩𝐞𝐜𝐭𝐬 of his noble and inspiring character that contribute to his exemplary legacy and elevated status.

May our beloved Prophet Muhammad's (ﷺ) enlightening teachings continue to guide us toward a life of purpose, compassion, and service to humanity.

Allahumma Amin!

At Adl Advisory, we are dedicated to honoring the legacy of Prophet Muhammad (ﷺ) by sharing authentic Islamic knowledge and practical guidance, inspiring individuals and organizations to lead with purpose, compassion, and integrity.

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

𝑫𝒆𝒄𝒆𝒎𝒃𝒆𝒓 𝑨𝑨𝑶𝑰𝑭𝑰 𝑬𝒙𝒂𝒎𝒔 𝑨𝒓𝒆 𝑨𝒑𝒑𝒓𝒐𝒂𝒄𝒉𝒊𝒏𝒈 — 𝑹𝒆𝒈𝒊𝒔𝒕𝒆𝒓 𝑵𝒐𝒘 & 𝑨𝒅𝒗𝒂𝒏𝒄𝒆 𝒀𝒐𝒖𝒓 𝑰𝒔𝒍𝒂𝒎𝒊𝒄 𝑭𝒊𝒏𝒂𝒏𝒄𝒆 𝑪𝒂𝒓𝒆𝒆𝒓

Ready to strengthen your expertise and advance your career in Islamic finance, Shariah governance, accounting, and auditing?

The Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) qualifications and fellowship programmes provide globally recognised professional pathways for those looking to build specialised knowledge and credibility in the Islamic finance industry.

As an authorised AAOIFI Training Partner and official Examination & Candidate Registration Centre, Adl Advisory supports professionals, students, and industry practitioners throughout their certification journey—from registration and guidance to exam preparation and professional development.

𝐂𝐡𝐞𝐜𝐤 𝐨𝐮𝐭 𝐭𝐡𝐞 𝐜𝐚𝐫𝐨𝐮𝐬𝐞𝐥 𝐟𝐨𝐫 𝐜𝐥𝐞𝐚𝐫 𝐚𝐧𝐝 𝐝𝐞𝐭𝐚𝐢𝐥𝐞𝐝 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 on the AAOIFI qualification and fellowship programmes, 𝐞𝐱𝐚𝐦𝐢𝐧𝐚𝐭𝐢𝐨𝐧 𝐬𝐜𝐡𝐞𝐝𝐮𝐥𝐞 & 𝐤𝐞𝐲 𝐝𝐚𝐭𝐞𝐬 for the December 2026 session.

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**A

𝑰𝒔𝒍𝒂𝒎’𝒔 𝑽𝒊𝒆𝒘 𝒐𝒏 𝑹𝒊𝒃𝒂 𝒂𝒏𝒅 𝒂 𝑹𝒐𝒂𝒅𝒎𝒂𝒑 𝒕𝒐 𝑹𝒊𝒃𝒂-𝑭𝒓𝒆𝒆 𝑩𝒖𝒔𝒊𝒏𝒆𝒔𝒔

Islam has made business and trade halal and encouraged lawful earnings, while strictly prohibiting riba (interest). Riba is not merely an unlawful source of income; it can also undermine economic balance and justice in society. Therefore, regardless of how profitable a business may be, Muslims must remain cautious of any involvement with riba and avoid income derived from it.

Allah SWT says in the Qur’an: “O you who have believed! Fear Allah and give up what remains due to you from riba—if you are truly believers. If you do not, then be warned of a war from Allah and His Messenger. But if you repent, then you may retain your principal. You neither wrong nor be wronged.” [Surah Al-Baqarah, 2:278–279]

The Messenger of Allah (ﷺ) said: “Riba has seventy-three doors; the least severe of them is like a man committing adultery with his own mother.” [Sunan Ibn Majah, 2274]

𝑯𝒐𝒘 𝑫𝒐𝒆𝒔 𝑹𝒊𝒃𝒂 𝑯𝒂𝒓𝒎 𝑰𝒏𝒅𝒊𝒗𝒊𝒅𝒖𝒂𝒍𝒔 𝒂𝒏𝒅 𝑺𝒐𝒄𝒊𝒆𝒕𝒚?

Riba does not only create financial burdens for individuals; its effects can extend to the wider economy and society. Growing debt can trap people in cycles of borrowing, while fixed returns without risk-sharing may concentrate wealth among capital owners and widen economic inequality.

Its social impact is equally concerning. It can turn people's financial needs into opportunities for profit rather than mutual assistance. At the same time, debt & interest pressures increase anxiety & family difficulties, weaken cooperation, & contribute to inequality and exploitation.

𝑯𝒐𝒘 𝑪𝒂𝒏 𝑾𝒆 𝑷𝒓𝒆𝒗𝒆𝒏𝒕 𝑹𝒊𝒃𝒂 𝒇𝒓𝒐𝒎 𝑬𝒏𝒕𝒆𝒓𝒊𝒏𝒈 𝑶𝒖𝒓 𝑩𝒖𝒔𝒊𝒏𝒆𝒔𝒔?

In today's financial environment, riba can enter a business through various channels. Therefore, having a halal core business is not enough; its financing, investments, banking transactions, contracts, and financial structures must also comply with Shariah principles.

Before starting or expanding a business, seek guidance from qualified scholars and Shariah experts. Contracts, financing, investment agreements, and partnerships should be reviewed for Shariah compliance before entering into them.

Businesses may also appoint a qualified Shariah advisor to regularly review their transactions, contracts, and operations, reducing the risk of unintentionally engaging in riba or other Shariah-non-compliant practices.

When in doubt about a transaction, do not rely on assumptions. Seek guidance from qualified scholars and Shariah experts.

At Adl Advisory, we work to help ensure that your business transactions are conducted in accordance with Shariah principles and remain halal and free from riba. Contact us today to take the next step towards building a Shariah-compliant & riba-free business.

[email protected] | adladvisory.co

𝗦𝗵𝗮𝗿𝗶𝗮𝗵 𝗥𝗲𝘃𝗶𝗲𝘄: 𝗦𝗮𝗳𝗲𝗴𝘂𝗮𝗿𝗱𝗶𝗻𝗴 𝗜𝗻𝘁𝗲𝗴𝗿𝗶𝘁𝘆 𝗮𝗻𝗱 𝗦𝘂𝘀𝘁𝗮𝗶𝗻𝗮𝗯𝗶𝗹𝗶𝘁𝘆

Shariah Review is a continuous process of assessing and monitoring an institution’s products, contracts, transactions, and operations to ensure their ongoing compliance with Shariah principles.

In Islamic finance, Shariah compliance is not just a label; it is the foundation of trust, credibility, and long-term sustainability. Yet compliance is not a one-off exercise. It requires continuous oversight to ensure every product, contract, and operation remains aligned with Shariah principles.

=> Shariah review plays a critical role in ensuring that an institution’s operations consistently align with Shariah principles. It acts as a bridge between day-to-day business activities and the Shariah standards set by the Supervisory Board, providing timely insights, early detection of potential non-compliance, and practical guidance for corrective action.

=> Beyond compliance, Shariah review also promotes operational discipline, strengthens internal controls, and enhances organisational understanding of Shariah requirements, ensuring that ethical principles are embedded into all aspects of business practice.

=> Shariah Review ensures that daily operations remain aligned with Shariah principles, going beyond annual audits by providing continuous compliance. It serves as an early warning system, detecting potential risks before they escalate into major violations, while also offering managerial support through practical recommendations for improvement.

=> By embedding compliance into day-to-day activities, Shariah Review enhances operational efficiency and strengthens governance frameworks. This demonstrates accountability and commitment to ethical practices, reducing reputational, regulatory, and financial risks that may arise from Shariah breaches.

=> Ultimately, it fosters trust and confidence among investors, clients, and regulators, ensuring that funds and operations are managed ethically. At the same time, it provides strategic value by positioning institutions as responsible and forward-thinking players in the Islamic finance industry.

At Adl Advisory, we provide comprehensive Shariah Review, Advisory, and Audit services to help institutions maintain continuous Shariah compliance, strengthen governance, and identify potential non-compliance risks.

Through our expertise, we support organisations in embedding Shariah principles into their products, contracts, and day-to-day business operations—building trust, integrity, and long-term sustainability in Islamic finance.

𝑩𝒐𝒐𝒌 𝒀𝒐𝒖𝒓 𝑺𝒉𝒂𝒓𝒊𝒂𝒉 𝑪𝒐𝒏𝒔𝒖𝒍𝒕𝒂𝒕𝒊𝒐𝒏 𝑨𝒑𝒑𝒐𝒊𝒏𝒕𝒎𝒆𝒏𝒕 https://adladvisory.co/appointment/ today to receive practical, reliable, and professional Shariah guidance tailored to your needs.

📧 [email protected] | 🌐 www.adladvisory.co

𝑩𝒓𝒆𝒂𝒌𝒊𝒏𝒈 𝑭𝒓𝒆𝒆 𝒇𝒓𝒐𝒎 𝑹𝒊𝒃𝒂: 𝑨 𝑴𝒖𝒔𝒍𝒊𝒎’𝒔 𝑮𝒖𝒊𝒅𝒆 𝒕𝒐 𝑷𝒓𝒐𝒕𝒆𝒄𝒕𝒊𝒏𝒈 𝑾𝒆𝒂𝒍𝒕𝒉 & 𝑭𝒂𝒊𝒕𝒉

In a financial system where interest-based transactions are widespread, living riba-free can seem challenging. However, for Muslims, avoiding riba is not merely a choice—it is a clear command from Allah SWT.

Allah SWT warns in the Qur’an: “O you who have believed! Fear Allah and give up what remains of riba, if you are indeed believers. If you do not, then be informed of a war from Allah and His Messenger.” [Al-Baqarah 2:278–279]

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐑𝐢𝐛𝐚?

The term “riba” means “increase” or “excess,” but in Islamic finance, it specifically refers to any guaranteed interest or profit earned on a loan or debt, regardless of the rate or amount.

Riba is one of the most severely condemned sins in Islam & more dangerous than adultery and more destructive than theft. It exploits the needy, widens inequality, and corrupts the financial & economic system.

𝗧𝗵𝗲𝗿𝗲 𝗮𝗿𝗲 𝘁𝘄𝗼 𝗺𝗮𝗶𝗻 𝘁𝘆𝗽𝗲𝘀：

🔹 Riba al-Nasi’ah – the most common today; interest charged on a loan over time.

🔹 Riba al-Fadl – an unjust exchange of unequal quantities in trade (e.g., gold for more gold).

In both cases, the essence of riba is that one party gains without risk or effort, while the other carries the burden, which violates the core Islamic principle of justice and mutual benefit in trade.

𝟯 𝗣𝗿𝗮𝗰𝘁𝗶𝗰𝗮𝗹 𝗦𝘁𝗲𝗽𝘀 𝘁𝗼 𝘀𝘁𝗮𝘆 𝗥𝗶𝗯𝗮 𝗙𝗿𝗲𝗲

➤ Switch to an Islamic Bank or Halal Account

=> Use Islamic banks or financial institutions that are Shariah-compliant.

=> Ask your bank if they offer a “no-interest” or “non-interest-bearing” checking account.

=> Donate any accumulated interest (without intention of reward) to charity to purify your wealth.

➤ Avoid Credit Cards and Buy-Now-Pay-Later Schemes

What you can do:

🔹Use debit cards or prepaid cards instead.

🔹Be cautious with buy-now-pay-later (BNPL) programs — many charge interest after the “grace period,” which can easily slip by.

➤ Careful With Student Loans, Mortgages, and Car Financing

This is where many people feel stuck. A college degree, a home, a car — all seem impossible today without interest-based loans. But as Muslims, we’re encouraged to try our best within our means.

𝗔𝗹𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝘃𝗲𝘀 𝘁𝗼 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿：

=> Apply for scholarships, grants, or zakat-based educational funds.

=> Rent instead of buying a home on a mortgage, or look into halal home financing options if available.

=> Buy a used car with savings instead of financing a new one with riba.

Even if these choices require sacrifice, they come with barakah and the peace of mind that you are not at war with Allah (SWT).

At Adl Advisory, we offer Shariah-compliant consulting, wealth planning, and practical steps to help Muslims avoid riba and align their money with their values.

𝑺𝒉𝒂𝒓𝒊𝒂𝒉 𝑪𝒐𝒎𝒑𝒍𝒊𝒂𝒏𝒄𝒆 𝑴𝒂𝒅𝒆 𝑬𝒂𝒔𝒚: 𝑨 𝑷𝒂𝒕𝒉𝒘𝒂𝒚 𝒕𝒐 𝑬𝒕𝒉𝒊𝒄𝒂𝒍 𝒂𝒏𝒅 𝑺𝒕𝒓𝒂𝒕𝒆𝒈𝒊𝒄 𝑮𝒓𝒐𝒘𝒕𝒉 𝒘𝒊𝒕𝒉 𝑨𝒅𝒍 𝑨𝒅𝒗𝒊𝒔𝒐𝒓𝒚

In today’s dynamic business landscape, embracing Shariah compliance is not only a sacred duty but also a wise strategic advantage. It builds trust, enhances credibility, and ensures that growth is rooted in ethical and sustainable principles.

At Adl Advisory, we help businesses align transactions, finances, and operations with Shariah principles, ensuring integrity, ethics, and long-term trust.

As a recognized Shariah Adviser with the Securities Commission Malaysia (SC) and Labuan Financial Services Authority (Labuan FSA), Adl Advisory delivers a full spectrum of services — including Shariah advisory and consultancy, Shariah audits, internal control reviews, end-to-end reviews, product development, as well as specialized training and research.

Whether you're launching a new venture or scaling an established one, we ensure your journey stays Halal, ethical, and aligned with global Shariah standards.

𝑩𝒐𝒐𝒌 𝒀𝒐𝒖𝒓 𝑺𝒉𝒂𝒓𝒊𝒂𝒉 𝑪𝒐𝒏𝒔𝒖𝒍𝒕𝒂𝒕𝒊𝒐𝒏 𝑨𝒑𝒑𝒐𝒊𝒏𝒕𝒎𝒆𝒏𝒕 https://adladvisory.co/appointment/ today to receive practical, reliable, and professional Shariah guidance tailored to your needs.

𝐑𝐢𝐛𝐚-𝐅𝐫𝐞𝐞 𝐁𝐚𝐧𝐤𝐢𝐧𝐠: 𝐏𝐫𝐚𝐜𝐭𝐢𝐜𝐚𝐥 𝐒𝐭𝐞𝐩𝐬 𝐟𝐨𝐫 𝐄𝐯𝐞𝐫𝐲 𝐌𝐮𝐬𝐥𝐢𝐦

In today’s world, having a bank account has become almost essential for receiving salaries, paying bills, and managing daily expenses. Completely avoiding banks may not be realistic, but that doesn’t mean we must fall into the trap of riba (interest).

As Muslims, we are responsible for making choices that align with our values, even in the smallest financial details. So here’s how we can keep our accounts halal and our hearts clean:

𝟜 𝐒𝐢𝐦𝐩𝐥𝐞 𝐒𝐭𝐞𝐩𝐬 𝐭𝐨 𝐊𝐞𝐞𝐩 𝐘𝐨𝐮𝐫 𝐁𝐚𝐧𝐤 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 𝐑𝐢𝐛𝐚-𝐅𝐫𝐞𝐞

=> Choose a Basic Checking Account — Use it for income and payments only. Avoid interest-based savings accounts and opt out of receiving any interest.

=> Turn Off Overdrafts — Overdraft fees often involve interest. Disable this feature and stick to spending only what’s in your account.

=> Go Debit, Not Credit — Debit cards use your own money, while credit cards risk falling into interest charges.

=> Check Before You Commit — Before opening accounts or accepting upgrades, confirm they are interest-free or Shariah-compliant.

Using a bank account without falling into riba is about more than just financial discipline. It’s an act of worship. It shows trust in Allah, upholds ethical values, and protects the barakah in our wealth. Pure earnings lead to a pure life.

At Adl Advisory, we believe that managing your finances in line with Islamic principles is more than just a choice; it’s an act of Iman. By avoiding riba and choosing ethical banking practices, we protect the barakah in our wealth, uphold our values, and invest in both our dunya and Akhirah.

𝑩𝒐𝒐𝒌 𝒀𝒐𝒖𝒓 𝑺𝒉𝒂𝒓𝒊𝒂𝒉 𝑪𝒐𝒏𝒔𝒖𝒍𝒕𝒂𝒕𝒊𝒐𝒏 𝑨𝒑𝒑𝒐𝒊𝒏𝒕𝒎𝒆𝒏𝒕 https://adladvisory.co/appointment/ today to receive practical, reliable, and professional Shariah guidance tailored to your needs.