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The Sharia authority
Mufti Saad.
Lead Sharia Authority for HalalRates. AAOIFI-certified. Reviewer of every product listing, signer of every Mufti ruling in the archive, and host of the Friday live Q&A.
Full bio with institutions, madhhab declaration, published works, and verified credentials lands when Mufti Saad provides them. We will not embellish.
MS
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    Years of training
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    Rulings issued
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    Products reviewed
    AAOIFI
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Numbers populate once real bio + corpus data are loaded. Per MUFTI_CONTENT_POLICY.md we do not invent metrics about him.
What I review
Every product on the site, against the contract.
Mortgage contracts
Diminishing Musharakah, Ijara wa Iqtina, and Murabaha home structures, against AAOIFI standards 1, 12, and 9 respectively.
Investment structures
Halal screening methodology, purification rates, sukuk issuance terms, and equity fund mandates.
Takaful and insurance
Cooperative pool design, surplus distribution, and the gharar profile of available alternatives where takaful is unavailable.
Business financing
Working capital, equipment Murabaha, multifamily and development project Musharakah agreements.
The Friday Q&A
A live session every Friday.
Each session, Mufti Saad addresses queued questions on the record. Recordings become permanent corpus entries with full provenance, and signed rulings land in /ask within days.
Newsletter
Weekly halal finance updates.
Mufti rulings, market analysis, rate updates. One email a week. Unsubscribe any time.
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