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Explore expert analysis on halal finance, ethical investing, and wealth management.

141 articles

How Takaful Surplus Actually Works (2026): Who Publishes Numbers and Who Doesn't
Article3 Aug 2026

How Takaful Surplus Actually Works (2026): Who Publishes Numbers and Who Doesn't

Surplus is takaful's defining promise: leftover pool money belongs to participants. Here is how distribution really works in Pakistan, with the published numbers, operator by operator.

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HalalWallet Editorial Team
Choosing a Takaful Operator in Pakistan (2026): The Documents to Demand
Article3 Aug 2026

Choosing a Takaful Operator in Pakistan (2026): The Documents to Demand

Brochures will not tell you which takaful operator to trust. Documents will. The waqf deed, charge table, surplus history and Shariah reports to demand in Pakistan, and the red flags.

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HalalWallet Editorial Team
Is Takaful Actually Different? An Honest Assessment (2026)
Article3 Aug 2026

Is Takaful Actually Different? An Honest Assessment (2026)

Takaful claims to be structurally different from insurance. Sometimes the evidence backs it up, including a published pool deficit. Sometimes it doesn't. An honest audit for 2026.

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HalalWallet Editorial Team
Bancatakaful in Pakistan (2026): Buying Takaful Through Your Bank
Article3 Aug 2026

Bancatakaful in Pakistan (2026): Buying Takaful Through Your Bank

Banks sell more takaful than agents in Pakistan. From Meezan Kafalah to the IGI Gold Vitality charge table, here is how bancatakaful works, what it costs, and the questions to ask.

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HalalWallet Editorial Team
Akhuwat Explained (2026): The World's Largest Interest-Free Microfinance Program
Article3 Aug 2026

Akhuwat Explained (2026): The World's Largest Interest-Free Microfinance Program

Akhuwat has lent PKR 424 billion across 6.9 million interest-free loans from 894 branches, with loans disbursed in mosques. How the mawakhat model works, and its limits, in 2026.

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HalalWallet Editorial Team
Interest-Free Loans in Pakistan (2026): Where Qard Hasan Actually Exists
Article3 Aug 2026

Interest-Free Loans in Pakistan (2026): Where Qard Hasan Actually Exists

Genuinely interest-free loans exist in Pakistan, but almost all of them live in one place. Where qard hasan is real in 2026, what it costs, and how to avoid fake versions.

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HalalWallet Editorial Team
Is BNPL Halal in Pakistan? (2026): QistBazaar and the Shariah Compliance Question
Article3 Aug 2026

Is BNPL Halal in Pakistan? (2026): QistBazaar and the Shariah Compliance Question

QistBazaar holds SECP's first Shariah compliance certificate for BNPL, built on Musawamah. But its own website publishes no certificate and an empty Shariah page. The honest picture.

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HalalWallet Editorial Team
Halal Personal Financing in Pakistan (2026): Your Options When You Need Cash
Article3 Aug 2026

Halal Personal Financing in Pakistan (2026): Your Options When You Need Cash

Islamic banks in Pakistan finance assets, not cash needs. What actually exists when you need money in 2026: asset-backed routes, qard hasan, goods on installment, and what to refuse.

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HalalWallet Editorial Team
Islamic Business Financing in Pakistan (2026): From Microenterprise to SME
Article3 Aug 2026

Islamic Business Financing in Pakistan (2026): From Microenterprise to SME

Halal business financing in Pakistan at every scale: Akhuwat's Rs 150,000 enterprise loans, Islamic microfinance banks, and the eight bank contracts that fund SMEs in 2026.

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HalalWallet Editorial Team
Reviewed by: HalalWallet Editorial TeamLast reviewed: 2026-08-03Disclosure: No provider pays for placement or ranking on this page. Editorial policy and full disclosures.

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