Interest-free homes. Capital that comes home.
Sahab works with partners to put families into homes of their own, without interest, and to return the capital that makes it possible, so it can do the same again — an evergreen endowment, not a gift spent once.
For centuries, endowments of money — not only land — circulated capital through the communities that sustained them. They funded homes, trades and public works without interest, and were maintained by the very society they served. In turning their benefit back into the common good, they became institutions of trust that outlasted the generations who founded them.
Sahab stands in that tradition.
The mudaraba — a partnership of capital and enterprise — is among the oldest instruments in Islamic commerce. Before his prophethood, the Prophet Muhammad, peace be upon him, traded with the capital of the merchant Khadija, may God be pleased with her, under just such a partnership; they later married.
Sahab draws on that same tradition of trust between the one who provides capital and the one who puts it to work.
A home without interest.
Families come to own their homes, without paying interest.
Capital that returns.
The capital entrusted is put to work and designed to return at the end of the term, not spent once.
Benefit that continues.
Because the capital returns rather than being spent once, it houses the next family and the next — an evergreen model, not one-and-done charity.
A share in what continues
Sahab works with endowments, foundations, family offices and other institutions and partners that want their capital to serve society and to endure. Those who found the work are recognised as its founding endowments, and share in its benefit for as long as it continues. Their commitment is designed to endure and renew rather than to be spent once, so it keeps serving family after family.
Held in trust
The work is governed under Shariah oversight and independent audit. Its full governance is shared with partner institutions in confidence.
An invitation to begin
We begin with a conversation. Further detail is shared with partner institutions in confidence.
إِذَا مَاتَ الإِنْسَانُ انْقَطَعَ عَنْهُ عَمَلُهُ إِلَّا مِنْ ثَلَاثَةٍ إِلَّا مِنْ صَدَقَةٍ جَارِيَةٍ أَوْ عِلْمٍ يُنْتَفَعُ بِهِ أَوْ وَلَدٍ صَالِحٍ يَدْعُو لَهُ
When a person dies, their deeds come to an end except for three: a charity that continues, knowledge that benefits, or a righteous child who prays for them.
Ṣaḥīḥ Muslim 1631