Education
14 articles tagged “Education”
Saving for Your Child's Education the Halal Way in South Africa (2026)
School and university costs outrun inflation in South Africa. How to build an education fund with halal instruments, from TFSAs to unit trusts, and what to skip.
Why Your Halal Fund Is Full of Gold Miners: The FTSE/JSE Shariah Indices Explained
Two Shariah benchmarks govern SA halal equity: the FTSE/JSE Shariah Top 40 and Shariah All Share, screened by Yasaar Limited. Understanding what the screens remove explains almost everything about how halal portfolios behave.
Purification: What 'Purified Dividends' Actually Mean in South African Funds
Even screened companies earn some interest, and that sliver reaches your returns unless someone strips it out. Who does purification properly in SA, who leaves it to you, and how to do it yourself.
Seven Myths About Halal Investing in South Africa, Tested Against the Numbers
Halal investing means sacrificing returns, it is only for the rich, everything Islamic is automatically compliant: the folklore is thick. We test seven common claims against fund data current to August 2026.
Regulation 28 for Halal Investors: What the Law Lets Your Retirement Money Do
Regulation 28 caps equities at 75%, property at 25% and offshore at 45%, and applies to halal funds exactly as to conventional ones. What the double constraint means for Muslim retirement savers, in plain language.
The Two-Pot Retirement System for Muslims: Same Rules, Sharper Choices
Since September 2024, a third of new retirement contributions sits in an accessible savings pot. The rules are identical for Shariah funds. The temptations and the planning opportunities are not.
Murabaha Business Finance Explained: Why the Bank Buys Your Stock First
Murabaha is the workhorse of halal business funding in South Africa: the financier buys the asset and resells it to you at a fixed markup. How it differs from a loan, where it is offered, and the questions to ask.
Section 24JA: The Law That Makes Halal Business Finance Cost No Extra Tax
Since 2010, South African tax law has deemed Murabaha mark-ups and Musharaka profit payments to be interest, deductible for your business like any loan cost. How the least-known law in Islamic finance works.
The 50/50 vs 60/40 Question: How Mudarabah Profit Splits Work at SA Banks (2026)
Standard Bank keeps half the pool profit. FNB keeps 60%. Absa and Al Baraka do not state a headline split at all. What the ratio actually determines, what it does not, and how to compare deposits across the four disclosure styles.
Are Islamic Banking Windows Actually Halal? The South African Version of the Debate (2026)
Four of South Africa's five Islamic banking options are windows inside conventional banks. The case for them, the case against, what the scholars who certify them actually rely on, and how to decide for yourself.
Realised vs Indicative: The Profit Rate Distinction That Sorts SA's Islamic Banks (2026)
One South African bank publishes what its deposit pools actually earned last month. The other four publish ceilings. Why that difference matters more than the rates themselves, and how to use it when comparing.
Who Regulates Islamic Banking in South Africa? The 2026 Map
South Africa has no Islamic banking law, and the system works anyway: SARB supervises the banks, the NCA governs the financing, section 24JA delivers tax parity, and CODI insures half the shelf. Where the real gaps are.
Diminishing Musharakah, Explained With South African Numbers (2026)
The structure behind every Islamic home finance deal in South Africa: how co-ownership buyouts actually work, what the 12-month rate reviews mean, why the tax works out, and the questions to ask before signing.
Murabaha, Ijarah or Musharakah: Which Islamic Car Finance Structure Fits You? (2026)
South Africa's halal vehicle market uses four different contracts, and the structure you sign determines whether your payment can rise, what early settlement costs, and what happens in arrears. A plain-language guide.