Luminous Unity of Homes Within and Across the Boundaries for Safeguarding Luminous Economies in salutations for the living Messiah.

There is a difference between usury and interest known as FAIDA in Arabic language and Sood in Persian language. This distinction is not made by many. As a result, large numbers from among the muslimeen and muslimaat are called upon to stay away from interest bearing accounts. 

I do not trust cypto currencies unless these are linked to day to day payments and receipts. However,I am not writing against simple interest which is the cost of money to be paid by the loan applicants.

 Allah has prohibited RIBA which is different from FAIDA which a loan giving individual or institution must have when extending a loan. This is reason, Government of India is offering loans to occupationally vulnerable groups at the rate of 5 per cent. 

The word RIBA refers to rate double and multiplied over and over again. This is prohibited in verse 3:130 of the holy Qur'aan. 

Thus, we need to unite for USURY FREE BANKING and FINANCE SYSTEM which will generate win win for all and this is best done through unity in allegiance to the living Messiah, the Lord God, the Imam e Zamana. This is prescription of Allah which I am sharing in the light of verse 3:103 which is obeyed by Nizari muslimeen and muslimaat only. 

In the letter below written to Ethica Institute of Islamic Finance, I have suggested luminous unity of homes within and across the boundaries for safeguarding economies. This is possible across the time zones where families are suffering from conflicts as a result of absence of allegiance to Fatimi Khalifatullah. For example, Hamas uses the word Islamic in the name of Islamic resistance but being not pledged to Fatimi Khalifatullah, Hamas is not Islamic even though all muslimeen and muslimaat are saluting the Fatimi Khalifatullah Shah Raheem Al Hussaini Aga Khan V in darood e ibrahimi, subject to knowledge, allegiance and obedience. 

Awaiting Messiah, all people of Jesus and Moses SUH together with muslimeen and muslimaat need to unite in allegiance to Fatimi Khalifatullah, the Word of Allah. I have been writing on X and asking Grok to accept the common formula for peace/Islam/shanti which is prayed by all. The common formula is clear in verse 3:103 of the holy Qur'aan. Call for unity exists in all scriptures. Unity in salutations for the living messiah, the kalki avatar, the descent of the word of Allah is the call for all souls waiting for the name of the living messiah .

Dr Muhammad Mukhtar Alam,  Cognitive Clinical Psychologist,  and Development Professional | Advocating for the Unity of 7.97 billion souls in allegiance to 49th Imam and Fatemi Khalifatullah Mowlana Kareem Shah Al Hussaini post debates on the academic conclusions on the sole thesis on the reference to Lord Ramachandra's vasudhaiv kutumbkum declaration referred in the Congress Manifesto of 1989.|

Founders of  Mushkil Kusha Mental Health Rehabilitation Private (2016), Abrahamic/Brahminical Quartet/Octet Unity Centre (2020), Movement for Transition to Post Fossil Fuel Age Green India (2008) , Ecostrategic Communicators for Low Carbon Leisure (2009),  Indian Muslim Economic Development Agency (2010) , Center for Ecological Audit,Social Inclusion and Governance (2003), Sarva Gunwatta Abhiyan (2017), National Campaign for Nutrition for Dignity (2014), Campaign Against Child Labour (1995), Campaign Against Child Trafficking,(2000)  International Youth for Humanity  (1989). Professional Work Locations include the current Deshkal Society, Sufi Trust and earlier Terre Des Hommes(Germany) India Programme, Save the Children,UK (India), Development Alternatives, HPSPP, Department of Education, Government of Haryana, Deshkal Society, Centre for Alternative Dalit Media, Centre for Agriculture and Rural Development,  Institute of Agribusiness Management.

Papers and Presentations at http://slideshare.net/mukhtaralam

On Thursday 4 September, 2025 at 07:42:38 pm IST, Dr.Muhammad Mukhtar Alam <> wrote:

Congratulations for the awards with prayers for abundance in glory in allegiance to Fatimi Khalifatullah Shah Raheem al Hussaini Aga Khan V.  Much delighted for your advice. Please do share the name of Fatimi Khalifatullah whom we salute in Darood e Ibrahimi. muslimeen and muslimaat obeying Fatimi Khalifatullah are known as Ismaili muslims  .However, all are saluting Fatimi Khalifatullah subject to information, allegiance and obedience.  So, safeguarding muslim economies is possible through unity in allegiance and obedience of Fatimi Khalifatullah.

https://ismailignosis.com/2018/07/11/the-seats-of-the-ismaili-imamat-from-medina-to-lisbon-632-2018/

Dr Muhammad Mukhtar Alam,  Cognitive Clinical Psychologist,  and Development Professional | Advocating for the Unity of 7.97 billion souls in allegiance to 49th Imam and Fatemi Khalifatullah Mowlana Kareem Shah Al Hussaini post debates on the academic conclusions on the sole thesis on the reference to Lord Ramachandra's vasudhaiv kutumbkum declaration referred in the Congress Manifesto of 1989.|

Founders of  Mushkil Kusha Mental Health Rehabilitation Private (2016), Abrahamic/Brahminical Quartet/Octet Unity Centre (2020), Movement for Transition to Post Fossil Fuel Age Green India (2008) , Ecostrategic Communicators for Low Carbon Leisure (2009),  Indian Muslim Economic Development Agency (2010) , Center for Ecological Audit,Social Inclusion and Governance (2003), Sarva Gunwatta Abhiyan (2017), National Campaign for Nutrition for Dignity (2014), Campaign Against Child Labour (1995), Campaign Against Child Trafficking,(2000)  International Youth for Humanity  (1989). Professional Work Locations include the current Deshkal Society, Sufi Trust and earlier Terre Des Hommes(Germany) India Programme, Save the Children,UK (India), Development Alternatives, HPSPP, Department of Education, Government of Haryana, Deshkal Society, Centre for Alternative Dalit Media, Centre for Agriculture and Rural Development,  Institute of Agribusiness Management.

Papers and Presentations at http://slideshare.net/mukhtaralam

On Thursday 4 September, 2025 at 07:00:38 pm IST, Ethica Institute of Islamic Finance <contact@ethica.institute> wrote:

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