Join a community where people lend what they can, and anyone can borrow without paying interest. If disaster hits you, the community stands with you. No banks. No interest. No debt traps.
No one pays to use qardon.org — not the lender, and not the borrower. The money you lend stays in your own account, in your own name. It is lent at 0% — with no interest. Between loans, it is invested so it earns. The site's real running costs, plus a fixed percentage of those costs as profit, are paid from those earnings. They are never taken from your own money, never from a borrower, and never added to a price. The rest of the earnings goes to people hit by disaster.
Ask for an interest-free loan · Just looking? See how a waqf works
Since · Every number here comes from our records, and it updates when it changes.
Members lend. Anyone can ask for a loan. The lending keeps itself going.
Agree to one promise: I will lend what I can, and the community will lend to anyone who needs it. Any amount is enough. Even $10 a month makes you a founding member.
Lend every month, or whenever you can. Your money becomes a waqf — money you lend to Allah that keeps doing good. It stays whole, in your own account, in your own name. It is invested halal and lent with no interest, from one family to the next.
When you need an interest-free loan, ask for one — member or not. We look only at the facts you share with us. You do not have to tell your story, and no one will shame you. If disaster hits you, the community stands with you.
Qardon is not charity that goes only one way. Every member promises to lend, and anyone can borrow when they need to. People lending to each other keep it going. This is the cure for a system built on interest.
A gift to charity is spent once, and then it is gone. An interest-free loan is different. It is lent, paid back, and lent again. The same dollar that helps one family this year helps another family next year, and another after that. No interest. No growing debt. No one pays a lender extra just for the right to borrow.
On your own dashboard you see what you have lent, every family it has helped, and every time it was lent and paid back. The waqf itself is never spent. It is lent, paid back, and lent again. The good keeps going.
That is the big difference between lending in a community and charity that ends after one gift.
Qardon.org keeps records. It writes down what every member has lent. It moves money only when the member tells it to. It never holds your money, and it never takes any of it. Your money stays in your own account, in your own name.
Each member's money is invested in halal ways, in his own name. Right now nothing is invested, and nothing has been bought or sold. When investing starts, it will be in three things: halal stocks, checked against rules we publish; digital assets, but only what a religious-ethics board has approved in writing (there is no such board yet, so we hold none); and profit-sharing partnerships with small businesses, which are planned but not built yet. The waqf itself is never spent. Only the earnings it makes are ever used, and those earnings are kept for people hit by disaster.
How the site's costs are paid. No one pays to use qardon.org. The site's real running costs, plus a fixed percentage of those costs as profit, are paid from what the waqf earns. They are never taken from anyone's own money, never from a borrower, never added to a price, and never a percentage of a sale. Every member agrees to this when he signs up (Terms, §3a). The rest of the earnings serves the community: it helps people recover from disaster, helps members stand on their own feet with money, and cares for the elderly. No audit has been done yet, because qardon.org has not started moving money. When it starts, the costs will be published. If an independent check is done, we will announce it here — not before.
You can see exactly how we run on the transparency page. Anyone can check the numbers.
qardon.org keeps the records that make interest-free lending work. It never holds the money, and it has no fund of its own. On top of that, Fotoh, Inc. — the company behind qardon.org — pays for software the community needs, and offers it free to the groups and people who serve the community.
Software to run a community organization: its money, its events, and its list of members. Free to use. It will never be taken away, made worse, slowed down, stamped with our mark, or have parts locked until you pay. The organization's data belongs to the organization.
A free app to hear the call to prayer and pray on time. Always free. Never for profit.
Android: on its way. Not in the store yet.
A small lending box that any community organization can add to its own website. No fee.
Fotoh, Inc. pays for all of this from the things it sells for profit — the marketplace, the store, and more. qardon.org itself takes nothing from anyone's own money. It takes only its running costs, plus a fixed percentage of those costs as profit, from the earnings. See How we pay to run qardon.org.
Put a qardon.org lending box on your own website. Your people can lend through your site. We never charge you. Their trust stays with you.
Become a partnerMembers see how many times their waqf has been lent, and the families it has helped — totals only. You never see one loan or one borrower. Open the dashboard →
If you choose to turn property into a waqf, we prepare the legal papers and work out the Islamic inheritance shares (mawarith) — and we protect your family's rights. The waqf is clear, and your family knows what is theirs.
Members in different countries can lend to each other with no interest. Inside one country, money moves through free, instant national payment systems. Between countries, it moves through stablecoins (digital money that keeps a steady value). This matters for a community spread across the world.
Show your small business in a 60-second video to a panel of robot investors. The money comes from what the community's waqfs have earned. It is a profit-sharing partnership: no debt, no interest, and your company stays yours. Start a business →
An older person's fully paid home can pay for their care for the rest of their life, and build a lasting fund in their own name — with no interest. The home stays in their name. Learn about Karam →
It grew out of the community, and it is open to everyone. We do not ask your religion. We do not ask your background. Anyone who keeps the promise is a member.