Our Philosophy

'An honest and sincere businessman will be raised with the prophets, the siddiqin and the shuhada'. (At-Tirmidhi)

What is an Islamic investment company?

An investment company in the West is a 'company whose main business is holding securities (shares) of other companies purely for investment purposes. The investment company invests money on behalf of its shareholders (partners) who in turn share in the profits and losses.' (Wikipedia.com)

However, Seed Investments is an Islamic investment company that offers partnership to both investors and entrepreneurs on a project by project basis. This is because the Western form of investment companies contradicts Islamic Law in a number of areas.

'O you who believe! Do not consume one another's wealth unjustly but only [in lawful] business by mutual consent.' (Qur'an 4:29)

'Give just measure, and cause no loss (to others by fraud). And weigh with scales true and upright. And withhold not things justly due to men, nor do evil in the land, working mischief. And fear Him Who created you and (Who created) the generations before (you).' (Qur'an 26:181-184)

Raafi ibn Khadeej (ra) said: It was said: O Messenger of Allah, what kind of earning is best? He said: 'For a man to work with his hands and every honest transaction.' (Hadith, Ahmed)

What kind of business & industry will we invest in?

All types of halal businesses and industries, such as: Accommodation, Automotive, Domestic Services, Education & Learning, Event Organisation, Financial Services, IT, Food & Beverages, Manufacturing & Agriculture, Media & Communication, Medical, Professional Services, Religion & Charity, Retail Shopping, Sports & Recreation, Trades, Travel & Transport and Energy.

All countries and cities, esp. London, Cairo, Kuala Lumpur.

Who are our investors?

'Say: 'Truly my Lord enlarges the provision (rizq) for whom He will of His slaves, and (also) restricts (it) for him, and whatever you spend of anything (in Allah's cause), He will replace it. And He is the best of providers'' [Qur'an 34:39]

Three qualities we look for in our investors: Wise, Generous & Religious. Therefore, all our investors are Muslims. However, like all investors, our investors will invest their money in a seed idea in return for a share (equity) of the business. What they do with their share of profit is up to them. There is no condition on them to spend some on charity, etc. Most choose to re-invest, as hoarding of wealth is forbidden in Islam.

'And let not those who are niggardly, who withhold the gifts which Allah has given them from His Grace, think that it is good for them. Rather it is worse for them. That which they hoard will be their collar on the Day of Resurrection. To Allah belongs the heritage of the heavens and the earth, and Allah is informed of what you do.' [Qur'an 3: 180]

The size of the equity our investors will ask for depends on these factors:

- How profitable is the seed idea?
- How much work has already been put in?
- How much time and money will the entrepreneur need from the investor?

How do we ensure we conduct our business according to Islamic Law?

We have access to a number of Sharia (Islamic Law) advisors, all of whom reside in the UK and are of various nationalities. Collectively they have decades of experience on matters related to Islamic economics and finances.

Some of them are also successful business people in their own field. All of these advisors are strict adherants of Islamic law.

If you have any question related to business and commerce, please don't hesitate to contact us. We will get back to you with the Islamic hukm (ruling) asap. This is a free service to all.

Islamic Articles

Read articles written by Seed or sign-up in the footer for latest articles.

From time to time, we publish articles on various websites, including on seed.org.uk (see footer).

The topics we cover fall in these broad categories:

♦ Islamic Entrepreneurship
♦ Islamic Economic Principles
♦ Islamic Law on Companies
♦ Islamic Law on Business Partnership
♦ Islamic Law on Trading
♦ Islamic Law of Transactions
♦ Islamic Business Ideas