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123 articles
Retiring Halal: The Two Compliant Annuities and the Guarantee That Does Not Exist
By law, most retirement benefits must buy an annuity. Conventional annuities run on interest. South Africa offers exactly two compliant answers, Oasis and 27four, and no halal guaranteed income at any price.
Oasis Crescent Retirement Annuity Review (2026): The Purist's Choice, Priced
The only SA retirement annuity where the wrapper, administrator, manager and scholars are all Shariah-native, from R500 a month. What the end-to-end certification buys, and what the closed menu and form-based fees cost.
Alexforbes Shariah Portfolios Review (2026): Compliance as a Payroll Checkbox
SA's largest retirement administrator runs a proper multi-asset Shariah range, local and global equity, sukuk, property, inside the umbrella funds where millions already save. It also publishes no scholar names at all.
Your Employer Pension Is Probably Haram. Here Is How to Fix It From Inside
Most South African Muslims' biggest asset is an employer retirement fund invested conventionally by default. Two verified routes fix it without changing jobs: an Alexforbes Shariah election or the 27four Umbrella Fund.
Halal Business Financing in South Africa (2026): The Complete Verified Map
Four bank desks, exactly two non-bank funding lines, and a government SME channel with no Islamic window at all. What actually exists for Muslim-owned businesses in South Africa, verified in August 2026.
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.
Merchant Capital Shari'ah Advance Review (2026): Certified Speed, Unpublished Price
The first Shariah-compliant merchant cash advance in South Africa: Wakala mechanics, Standard Bank certification, 48-hour funding, and repayments that breathe with your card sales. The cost is the part nobody prints.
Merchant Capital vs GoTyme: The Only Two Halal Business Advances, Head to Head
South Africa has exactly two short-term unsecured Shariah-certified business funding options. One is an agency advance repaid through your card machine; the other is bank Murabaha at a fixed price. The decision, structured.
Halal Trade Finance in South Africa: LCs, Import Lines and the Hedging Nobody Else Has
Importers and exporters have the deepest compliant toolkit in SA business finance: Murabaha import lines, Islamic letters of credit through a global network, and the market's only certified halal currency hedge.