Made by Fotoh, Inc. Here you can lend your waqf — cash or property — as interest-free loans. A waqf is money or property you lend to Allah so it keeps doing good. We only keep records. We never hold or own your money. Open to everyone.
Qardon.org keeps the records for a community that lends without interest, borrows without interest, and stands with people when disaster hits. It writes down what each member has lent. It moves money only when that member tells it to. The money stays in each member's own account — the site never holds it. Members lend what they can; even $10 a month is enough. Anyone can ask for a loan, member or not. The lending keeps itself going: members lend to each other, and their waqfs earn money that helps too.
We are the way out of debt that grows with interest. Muslims and non-Muslims are equally welcome. It grew out of the community, and it is open to everyone.
For about 1,300 years, Muslim communities had a Bait al-Mal — a shared community treasury. It lent without interest. It helped people hit by disaster. It ran on what its own waqfs earned. No one paid monthly fees. There were no middlemen. No interest. Just a treasury, a trusted person to look after it, and a community.
In the time of Umar bin Abdulaziz, the treasury had so much that it was hard to find anyone who still needed it. That proved the idea works. It is what we are building again now — as software, on the internet, open to everyone.
We use today's technology — accounts in each member's own name, open records, and investments checked to be halal — to do the same thing. The principles have not changed. Only the tools have.
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.
Made by Fotoh, Inc. We only keep records. We never hold or own your money. We do not claim to have a board. The founder decides each rule of the record, and publishes every decision with its basis in Islamic law. No audit has been done yet. If an independent check is done, we will announce it here — not before.
We have no board today, and we do not claim one. The founder decides each rule of the record, and publishes every decision with its reason. If a board is ever formed, we will announce it here — not before.
We have no religious supervisory board today, and we do not claim one. The founder decides on each kind of investment and each rule of the record, and every decision is published with its basis in Islamic law. If an independent check is done, we will announce it here — not before.
qardon.org is part of Fotoh, Inc. — one company with many products. Fotoh builds and runs everything behind qardon.org: the software, the systems behind it, this website, the lending box partners put on their websites, and the smart contracts (computer programs that carry out an agreement on their own). No one pays to use qardon.org. It takes 0% of what you lend and 0% of what a borrower gets. To keep it running, its real running costs, plus a fixed percentage of those costs as profit, are paid from what the waqf earns. This is never taken from anyone's own money, never added to a price, and never a percentage of a sale. Every member agrees to this when he signs up (Terms, §3a). We are a website, not a charity that collects gifts, and we never own your waqf: your money stays in your own account, in your own name. What is left of the earnings goes to the Recovery Fund. We are not a registered charity, and that is on purpose: we collect no gifts and own none of your waqf. We only keep the record. Our purpose is to help people recover from disaster, help the community stand on its own feet with money, and care for the elderly. The website serves that purpose — not the other way round.
See all the numbers on the public impact page.