Want personalized recommendations?
Get matched to the best halal products in 60 seconds.
Our Latest Insights
Explore expert analysis on halal finance, ethical investing, and wealth management.
150 articles
TMSF and Your Participation Account: What the 1.2 Million Lira Insurance Actually Covers
Participation deposits are insured by the same state fund as conventional deposits, up to 1.2 million lira per person per bank, gold included. What is covered, what is not, and how to structure around the limit.
Who Checks the Banks? Turkey's Shariah Oversight System, From BDDK Communique to Icazet
Every Turkish participation bank runs a scholar committee under a 2019 regulation, with TKBB standards above them and, at one bank, product-level certificates. How the whole governance stack works.
The Taxes on Your Halal Money: Withholding, BSMV and the Breaks Worth Planning Around
Profit shares are taxed by tenor, FX pays the most, gold sits in between, and first-home buyers skip a 15 percent tax entirely. The complete tax map for participation banking customers.
Murabaha, Explained Properly: The Contract Behind Every Turkish Home and Car Financing
The bank buys the asset and resells it to you at a disclosed markup. Why that is different from an interest loan, what it means for early payoff and late payment, and where to stay alert.
Katilim Emeklilik Life Insurance Review (2026): The Icazet Standard
The Albaraka-Kuveyt Turk joint venture is Turkey's first interest-free life insurer and the only one whose signed icazet spells out where every lira may be invested. Its life shelf reviewed: comprehensive cover, credit life, and the gaps.
Five Myths About Participation Banking That Deserve to Die in 2026
It is just interest renamed. It is unregulated. It is for religious people only. Your money is not safe. The returns are worse. Each myth, tested against the checkable facts.
Why Does Only One Turkish Bank Print Its Financing Rates? An Argument for Daylight
Vakif Katilim prints a vehicle rate table with honest annualized costs. Six competitors route you to calculators. The asymmetry has a logic, and customers should refuse to accept it.
How to Use BEFAS to Upgrade Your Katilim Pension (2026)
Your BES contract does not limit you to your provider's funds. BEFAS lets any saver buy any company's katilim funds, including 2025's table-topper. The mechanics, the rules and the discipline.
TOM Bank Review 2026: The A101 Cash Network and Turkey's Only Per-Product Icazet
TOM Bank turned thousands of A101 grocery stores into its cash network and publishes a Shariah certificate for each product. As a first halal bank it is excellent; as a yield play it is beatable.