Introduction
I will not call is an Islamic loan. I would prefer to call it a Muslim friendly loan system. I, however, has never received any training on finance or investment. I am an IT guy. So I might have error and misperception here and there. Or I might overlook something that should not be there. This idea suddenly came out while I was on the john. If somebody might have mooted the idea before, the person deserved the due credit. Likewise, if I am the first, please don’t erase me from history.

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