Al-Qalam – Contemporary Financial and Legal Sharī‘ah Advice

Al-Qalam Sharī‘ah Scholar Panel provides British Imams and Muslims with scholarly expertise on legal and financial matters. We specialise in Charity (Zakāh), Wills (Wasiyyah), Trusts, Pensions, Child Trust Funds, Divorce Settlements, Investments, Contracts etc.

For corporate bodies, we offer chargeable advisory and training services on a ‘not-for-profit’ basis.

We regularly update the edict (fatwa) section of this website. For more information about what we do please visit the About section.

We have also recently had a number of inquiries regarding ACN. Please see this page for more information on this matter.


Latest Updates

Q: I would like to enquire whether it is permissible to join the USS pension scheme please? ( It is offered by university employers. A: الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب The Universities Superannuation Pension Scheme is a Final Salary (defined benefit) pension scheme. The previous position of the Al-Qalam panel was that defined […]


Q: My question is in regards to Home Purchase Plan via Conventional mortgage. I have had a HPP from an Islamic Bank (Ar Rayyan) now for 4 years. I have noticed during these 4 years that the rent/purchase ratio of the monthly statements fluctuate drastically from month to month and as an average – every […]


Q: Is it permissible to purchase stocks using call and put options? الجواب حامدًا و مصليًا و منه الصدق و الصواب A: Call and put options are essentially the sale of a right which one party gives to another in return for a fee. The option holder purchases the option to hedge against possible negative […]