Like many Muslims in the UK and the West, I found myself asking a basic question: Where can I place my money without compromising my faith?
I was not looking for speculation or excessive growth. I wanted something:
When I looked into what is commonly described as "halal investing", I discovered that the reality did not match the label.
Most halal investment platforms and screening services in the market today rely on standards such as AAOIFI and similar frameworks. These allow:
These compromises are often justified as necessary for market access or practicality.
However, from my perspective, these standards are not rooted in the Qur'an and Sunnah. They are rooted in convenience. Which leads Muslims to accept:
This left me deeply uncomfortable.
In practice, Muslims are presented with two unsatisfactory options:
Neither option felt acceptable. Under a strict definition of halal based solely on the Qur'an and authentic Sunnah, and applying a zero-tolerance approach to riba and haram income, we are not currently aware of any publicly listed companies in the UK, Europe, the United States, or Japan that can be confirmed as 100% halal. That absence is striking.
Rather than trying to screen and justify imperfect companies, I began to ask a different question: Why don't we own and operate businesses that are halal from the outset?
Instead of:
We could:
This is about ownership, not filtering.
The vision is to build a long-term, permanent-capital holding company that:
This company is not designed for fast exits or short-term profit. It is designed to last.
If successful, such a company would:
If Muslims consistently support genuinely halal companies, other businesses will have a reason to become halal in order to compete.
In the long term, the aspiration is for this company to become accessible to the wider Muslim community, potentially through public markets, so that:
can be invested without religious compromise. Any such step would be taken carefully, only when the company is mature enough to absorb regulatory complexity and cost, and only if it strengthens the company and benefits the wider Muslim community. There is no timeline, and no promise.
The approach is intentionally:
Growth matters less than integrity. This is not about making the most money possible. It is about creating something clean, stable, and trustworthy that can exist for decades and serve future generations.
To build and operate a permanent-capital holding company that provides uncompromisingly halal ownership, income, and long-term value, in accordance with the Qur'an and Sunnah, without reliance on interest, tolerance thresholds, or convenience-based compromises.
We may make less money than systems with no constraints. But what we build will be cleaner, more resilient, and something our children can rely on without doubt. That, in itself, is worth building.