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Explore expert analysis on halal finance, ethical investing, and wealth management.
153 articles
Islamic Home Finance vs Conventional Bond in South Africa (2026): What Differs
Islamic home finance in South Africa is a co-ownership contract, not a loan. How Al Baraka's diminishing Musharaka and FNB Islamic compare with a conventional bond on rate, fees, early settlement, transfer duty and tax.
FNB Islamic Term Deposit Review (2026): Rates, Terms, Minimums and Fine Print
FNB's Islamic term deposit (sold as the Islamic Fixed Deposit) needs R10,000, runs 30 days to 60 months and paid up to 8.05% nominal on 7 October 2026. Rates by term, what FNB does not publish, and a four-bank table.
Is Medical Aid Halal? (2026): Every South African Scheme's Shariah Position
Medical scheme membership is a non-profit risk pool under the Medical Schemes Act; the riba sits in reserves and savings interest. Only Discovery Health Medical Scheme publishes a certified fix.
Shariah Compliant Retirement Annuity Tax Deduction (2026): The R430,000 Rule
Contributions to a Shariah-compliant retirement annuity are deductible under section 11F at 27.5% of income, capped at R430,000 for 2026/27. The saving worked in rand at four salary levels, with the funds that qualify.
Best Islamic Bank in South Africa (2026): Five Banks Ranked by Reader Type
Five institutions offer Islamic banking to South African individuals: Al Baraka, FNB, Absa, Standard Bank and HBZ. We score each on products, rates, fees, Shari'ah disclosure and reach, and name a winner per reader.
FNB Islamic Business Banking Review (2026): Accounts, Fees and Finance for SMEs
FNB sells three Shariah-compliant business current accounts by turnover, from R96 a month, with a free linked call account and Ijarah finance priced off a 10.75% base rate. What SMEs get, pay and miss.
Islamic Car Finance Calculator South Africa (2026): R300,000 Car Cost Per Month
How an Islamic car finance instalment is built in South Africa, with a worked R300,000 example at FNB's published 10.75% base rate, what Al Baraka, Absa and NBV rules change, and how to get a real quote.
Zakat on Retirement Annuities and Pension Funds in South Africa (2026)
South African fatwa bodies split retirement savings in two: no zakat on a compulsory employer fund until payout, zakat every year on a voluntary RA. The rulings, the dissent, two-pot, and the nisab on 6 October 2026.
Halal Short Term Investments South Africa (2026): Parking Cash 1 to 24 Months
Shariah-compliant places to hold cash for one to twenty-four months in South Africa, with published profit rates from Absa, FNB, Standard Bank, Al Baraka and Camissa, plus the rules on access, minimums and CODI.