Why MFAP is Halal
How the Muslim Funeral Assistance Program aligns with Islamic principles.
MFAP is designed as a cooperative, nonprofit community fund — not insurance or a commercial product. Below is how we meet Islamic requirements.
1Tabarru' (Donation)
All monthly contributions are voluntary donations (tabarru') to a shared community pool. Members give with the intention of helping others in need. There is no guaranteed return or contractual benefit in a commercial sense.
2No Riba (Interest)
The program does not involve interest (riba). Contributions are not loans; they are donations. No one earns interest on the fund. Any surplus stays within the fund to support future assistance.
3No Gharar or Maysir
We avoid excessive uncertainty (gharar) and gambling (maysir). The purpose of the fund is clear: mutual support for funeral and burial expenses. Assistance is based on documented need and plan level, not speculation or chance.
4Cooperative Mutual Support
MFAP operates on the Islamic principle of ta'awun (mutual cooperation). Members support one another through their contributions. The fund exists to ease the burden on families at a difficult time, in line with the spirit of community care in Islam.
5Surplus Stays in the Fund
Any surplus in the community pool remains in the fund. It is not distributed as profit to members or shareholders. A small admin fee may be deducted to cover operational costs; the rest supports assistance for members.
6Nonprofit Structure
MFAP is operated under Masjid Al-Aziz Corp, a registered nonprofit in New York. The program is not run for profit. Its sole purpose is to provide dignified, Shariah-compliant support for funeral and burial expenses for Muslims in the USA.
This structure makes MFAP halal and fully permissible.