you may like to read further articles on Grameen Bank. The founder stated that debt is a right. human right.

Another thought,

Al Qardhul Hassan has been written many time in Al Quran and Rasullullah has urge Sahabat to use it.

But, Al Bai Bithaman Ajil dan Al Mudharabah tidak digunapakai zaman Rasullullah.. Ianya cuma mula diterapkan pada masa Kerajaan Uthmaniah di Turki.

I’m one of the supporter on using on Al Qardhul Hassan on all our loan. But now there is no one (Islamic Banking Service Provider) who wanted to start using this kind of method.

They prefer to use Al Mudharabah (which is prone to gives pressure to all loaner). Al Mudharabah is well known co-affiliate with some sort of commission and additional fees included on the system.

For me personally, as long as any Islamic Bank didn’t want to use Al Qardhul Hassan, then they still the same as Conventional Bank or Kafirrun Bank.