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What the firms opinion on holding crypto?
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Does EY’s vision plan not cover eye exams?
I want to earn good money without compromising on WLB.
This is my profile
1 year at a Fintech firm in Product role (Current Role) in Gurgaon
1 year at PwC as Consultant 1
MBA (Finance) grad Skills: SQL, Excel, Power BI, Client Issues, Jira for bug reports and tracking team activities, etc.
Any companies that anyone can suggest? Any other skills that I should pick up? Current base pay is 10 LPA. I feel a bit underpaid.
Want to stay in similar business analyst, product analyst roles.
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New Vat and CIT law 4 Costa Rica
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Jummah Mubarak Fam ☪️💚
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Accenture, you good mate? Too much turkey?
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31 F based in Chicago. Does anyone want to talk?
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Ooh please post your paper here when you’re done. Many of us would love to understand how these providers stack up against each other but also against the industry. Hope you’re doing this already but I often feel like we’re biased (either way) when providing an opinion on halal products/services so these studies should correct for that.
Would love to see the list, being a renter is making me poor but better to rent than go to war with Allah!
Indeed the repercussions are huge, its definitely hard to reconcile our values in a society that operates in a very different manner. I'm happy to chat about your concerns (feel free to DM). There may be some options available to you without compromising your values!
1. How was the initial shopping experience? Did you find helpful guides online? Was their online portal/tools helpful?
2. What was it like to interact with their sales team? Did they come off as knowledgeable of both the Islamic and US regulatory sides?
3. How was the overall experience? (I.e. closing early or delays to closing)
4. How was the underwriting process? Were they proactive and transparent? What was the communication process like?
5. How competitive was the rate you got when compared to others (both conventional options and other halal options)
6. If you decided to pursue a traditional mortgage at the end, what was the deciding factor for you?
7. What state are you located in?
For those interested to learn more about the available halal mortgage options in the US, checkout https://halalworthy.com/halal-mortgage/ this is a project I've been working on for the past year. My goal is to get the halal financial products available to Muslims in the US to the level they need to be (more competitive and transparent). As part of this project, I'm conducting market research to assess the state of the halal financing market as it stands today and where it's headed in the future.
In the meantime, I've got some detailed reviews written for each of the options, feel free to check them out and provide your feedback. I would have liked for it to be more detailed but given they are private entities the available information online is quite limited.
Joe Bradford is someone you should connect to.
Definitely someone I plan to connect with in the near future! There are also a few well respected scholars in this space like Dr Main AL Qudah as well (he runs guidance college which has an Islamic finance master program).
No such thing as a 'halal mortgage'.
No, I wouldn't go with halal mortgages if they were more expensive. I'm not convinced that halal mortgages genuinely need to be more expensive and so as a matter of principle, I wouldn't pay extra to have the perceived comfort of 'halal'.
I didn't even realize there was such a thing as a halal mortgage provider. I know you mentioned a few, but do you have a complete list, by any chance? Will be in the market for a new home sometime in the near future and would love to know who to contact for assistance when the time comes.
I’ve worked w guidance and UIF, uif is cheaper
I’m going through the process rn. Remind me to fill this out later after work
For those that have constructive feedback, feel free to DM me directly! Would also love to hear your story about your buying/refinancing experience
Didn’t complete process with UIF or Guidance
1. Easy to find via google search (limited to these options in NYC)
2. We’ll versed in explaining how their products differ
3. Process to close was much longer and at risk of losing locked rate (competitors (non Islamic) closed much more quickly)
4. Didn’t proceed as process was too time consuming
5. Not competitive, significantly higher like .5% off
6. Rates was the deciding factor. Halal option was also more expensive both upfront and “interest” on the loan
7. NYC
Boss , does this mean it’s halal or haram to use uif if they sell it to Midwest loan services
WS. We’ve been with two companies, first was Ijara and currently with Guidance. Ijara was a hot mess. They didn’t have everything ready on closing day and we nearly had to reschedule the closing which was very embarrassing. Then after just one payment we received a letter that Bank of America had taken over our loan and all further communication would be through them which was off putting. Guidance Residential was worlds better in terms of organization, promptness, communication, technology and processes. Also our payments still go to Guidance with their name on all the communication and online site although we know US Bank is providing them with the loan servicing behind the scenes.
Interesting, thanks for sharing. From my research it sounded like IJARA AND lariba have some serious gaps from a sharia standpoint. Still trying to learn more about them.