Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
Invest your money ethically
Fund your business
Investments
How it works
Register
Open your online account in a few simple steps and transfer money from your bank account.
Invest
Begin to fund small businesses across the UK that are looking for financing facilities in an ethical manner.
Manage
You will receive your principal and returns in monthly installments from the businesses you have funded over the term of the facility. Track these repayments on the investor dashboard.
Latest News
Difference Between Commercial Banking and Islamic Banking
by Ali Ismail
Discover the differences between commercial banking and Islamic banking, and the fundamental difference is practices, principles and how these banking systems operate.
Is Investment Banking Haram?
by Shazia Hussain
Discover the world of investment banking and if it is halal or haram in Islam, and understand what investment banking activities are compliant with Sharia rules.
The Islamic Perspective on Debt
by Mufti Faraz Adam
In a world increasingly driven by consumer culture and financialisation, debt has become a ubiquitous aspect of life for many individuals and nations. Islam offers profound insights into the handling of debt, encouraging timely repayment and promoting a life free of debt. Debt is a serious matter in Islam. It is a responsibility that should not be taken lightly or neglected. The Prophet (peace and blessings of Allah be upon him) used to seek refuge with Allah from being overburdened by debt and he warned against lying and breaking promises when dealing with debt. In this article, we will explore some of the Islamic teachings and principles regarding debt and how to repay it in a timely and ethical manner.
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Frequently asked questions
What is ethical finance?
While there is no universally accepted definition of ethical finance, the Ethical Finance Hub describes it as "A system of financial management or investment that seeks qualitative outcomes other than purely the management of returns. Outcomes sought may reflect ideas from faith, social, environmental and governance theories."
What is Islamic or sharia compliant finance?
Islamic finance refers to a financing system which is modeled on Islamic principles such as no interest-based products, transparency, fairness, equitable products, manageable debt products, risk-sharing products and many other noble concepts. Islamic finance includes Islamic banking, Islamic capital markets, Islamic money markets, Islamic insurance (Takaful), Islamic microfinance and Islamic wealth management firms.
Is Islamic or sharia compliant finance ethical?
The World Bank mentions that Islamic finance is ethical, sustainable, environmentally and socially responsible finance. It promotes risk sharing, connects the financial sector with the real economy, and emphasizes financial inclusion and social welfare.
What is Qardus?
Qardus is the first ethical sharia compliant business financing marketplace in the UK. On one side of the marketplace, small businesses can obtain sharia compliant business financing in a fast and affordable manner. On the other side of the marketplace investors can generate attractive returns by funding ethical SMEs across a range of sectors.
What are our fees?
We charge an arrangement fee ranging from 5% to 7% that is paid by the small business seeking financing on drawdown of the funds. In practice, it will be retained from the advance.
What sort of financing does Qardus provide?
We offer secured and unsecured business financing in the UK with an average ticket size up to £200k and terms of up to 36 months. Later on, we plan to offer asset financing with longer duration.