In Pakistan, government and private institutions often advertise two types of “Shariah-friendly” financing: Interest-Free Loans Subsidized Loans Both are promoted as Islamically acceptable. Both are marketed to Muslims who want relief without violating Shariah. But here is the uncomfortable truth: Only one of these is inherently halal. The other depends entirely on its structure. This … Continue reading Interest-Free Loans vs Subsidized Loans: Islamic View