About Us
Ethical Finance, Powered by Islamic Values
Offering clarity on financial matters
Helping you manage your wealth in compliance with Islam through financial education.
What We Do
Islamative Finance is an independent think tank dedicated to providing insightful research and accessible education on Islamic finance and wealth management.
We take a naturally contrarian approach, setting ourselves apart from others in this space. We are heavily research-driven, conducting our own in-depth analysis rather than relying solely on mainstream opinions. We are unafraid to challenge contradictions, inconsistencies, and malpractice within the Islamic finance industry, holding it to the highest standards of integrity.
A balanced, ethical approach
Representing the often-overlooked Sunni perspective.
Our Story
Our story began with a vision to provide practical, Shariah-compliant financial guidance grounded in Islamic principles, with a focus on representing the often-overlooked Sunni perspective.
Our founder, who has helped build six-figure net worths using his own halal financial framework, developed this vision while studying law, Islamic studies, and completing a Mufti course.
Recognising the limited representation of Sunni values in the Islamic finance space, which is often dominated by other groups, Islamative Finance aims to fill this gap by offering a balanced, ethical approach that stays true to Islamic values and integrity.
Islamic integrity
Stay true to Islamic values.
Our Mission
Our mission is to educate individuals on Islamic finance, guiding them to adopt tawakkul (trust in Allah) in their financial decisions. By understanding the true concept of rizq (provision), we aim to help people avoid the pitfalls of greed and foster a financial life grounded in Islamic values.
Reviving Prophetic principles
Aligning wealth management with both the spiritual and legal aspects of the religion.
What Sets us Apart?
We are dedicated to bringing back Prophetic principles into managing finance and wealth. In modern Islamic finance, broader Islamic values such as tawakkul, avoiding doubts, and understanding rizq are often overlooked, with too much emphasis on only the fiqh of finance. We believe that all principles of Islam must be considered to ensure a truly ethical, faith-driven approach to financial success, aligning wealth management with both the spiritual and legal aspects of the religion.
How We're Funded?
We do not currently receive any external funding and are fully supported through personal resources. This ensures that our work remains independent and free from outside influence, allowing us to maintain complete impartiality in our analysis and review.
How We Plan to Make Money 💰
Islamative Finance is a business driven by Islamic values and principles. At present, we do not generate any direct revenue from this startup. For full transparency, we will disclose all future revenue sources. In the near future, we plan to offer Islamic wills as a revenue stream, allowing us to expand and grow our efforts to achieve our long-term goals.
Methodology
Areas We Cover
Investing
Shares, mutual funds, cryptocurrency, forex, precious metals, real estate.
Personal Finance
Zakat, pensions, car finance (lease, hire purchase, finance), bank interest, mortgages, personal and student loans, insurance (life, general, car), wills, credit cards.
Business
Business loans, buy-to-let, dropshipping, ecommerce.
Islamic Products
Islamic banks, savings accounts, Islamic mortgages, Islamic wills, Islamic investments.
Our Founder
Our business is currently bootstrapped, built from the ground up without external funding.
Muhammad Kalim Misbahi
Founder
Muhammad Kalim Misbahi, the founder of Islamative Finance, is an LLB Law graduate with a background in traditional Islamic sciences and formal Ifta training (mufti) from al-Jamiah al-Ashrafiah, India. He actively conducts research and provides answers to fiqh (Islamic jurisprudence) questions, contributing to the understanding and application of Islamic principles in contemporary contexts. His interest also extends to the field of Islamic finance, where he offers lucidity on financial matters and wealth management within the framework of Islamic principles.
Roadmap
Review Islamic financial products
Conduct thorough reviews and analyses of the available Islamic financial products on the market, providing clear guidance on which products align with our standards of ethical and Shariah-compliant practices.
Islamic wills service
Launch an Islamic wills service that enables Muslims to efficiently distribute their wealth in accordance with Islamic inheritance laws.
Investment platform
Build a unique investment platform based on our proprietary framework, offering Muslims a secure and Shariah-compliant way to grow and manage their wealth while staying true to Islamic values.
Home financing
Develop and launch a Shariah-compliant home financing solution that provides an ethical, interest-free alternative for Muslims seeking to own a home while adhering to Islamic principles.