Qard Hassan (Interest-Free Loans)
Access 0% interest community funding based on your proven reliability score.
How it works
Apply for funding from the community pool. Repay exactly what you borrowed over a fixed term. No interest, no compounding debt.
Eligibility
Requires a minimum Trust Score of 750+. Must have completed at least one Daret cycle.
Fees & Costs
100% Interest-free. Nominal administrative fee for processing.
Timelines
Repayment terms from 6 to 24 months.
Screenshots
qard Screen 1
qard Screen 2
qard Screen 3
qard Screen 4
FAQs
Is this really Sharia-compliant?
Yes. We use 0% interest models (Qard Hassan) and equity sharing (Mudarabah). Our Sharia board audits every transaction logic.
What if someone defaults?
We use a combination of social vouching, trust scores, and community protection pools (Sandouq) to manage risk without interest.