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113 articles
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.
The Konut Hesabi, Explained: Turkey's 20 Percent State Match for Halal Home Savers
Save monthly for three years at Ziraat Katilim, buy your first home, and the state adds up to 20 percent. The bands, the rules, the pitfalls and who should open one this month.
Gold Participation Accounts, Explained: How Grams Earn Grams Without Interest
Your gold joins a financing pool and the profit comes back in metal. The mudarabah mechanics, the splits worth taking, the taxes and the honest expectations, all in one explainer.
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.