Author Archives: Joe Bradford

About Joe Bradford

About Joe Bradford

Joe is a structuring advisor for a major real estate development firm, specializing in Shariah compliant investment vehicles. He runs a financial advisory. He is the founder of Muslim Money Guide and also blogs at

Isn’t Drop Shipping Haram? No, and here’s why

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When discussing any business model, it’s important to drill down on the mechanics of each deal and understand how it differs compared to similar businesses and methods of selling.

So what is drop shipping

Drop shipping is a supply chain management technique in which the retailer does not keep goods in stock but instead transfers customer orders and shipment details to either the manufacturer, another retailer, or a wholesaler, who then ships the goods directly to the customer.

To understand drop shipping, we have to understand how the products we are selling are being sold and what form of protections are built into the sale for the consumer. When we sell an item we can either sell a fungible, unspecified item or a specified, unique item. Details below. Continue reading

Seek Beautifully

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Abu Umama al-Bahili narrates that the Prophet said:

Indeed, the Holy Spirit has breathed into me this inspiration: Surely a soul will not die until it completes its appointed time and receives its sustenance. So be mindful of God and seek beautifully. Never should the delay of sustenance drive one of you to seek it through disobedience to God. Indeed God the Most High and what is with him is not attained except through his obedience.*

Continue reading

I have way too much student debt. Can I consolidate my loans?

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There are a few questions that people write to me frequently about. Here are some of them:

  • What do I do about all my student loans?
  • Can I consolidate them?
  • What does that even mean?
  • Will I pay less or more?
  • Is this permissible for me as a Muslim?

What is Debt Consolidation?

Debt consolidation is “the combining of several unsecured debts into a single, new loan that is more favorable.” In laymen’s terms, all the different loans that you are paying money on will be rolled into one big one, and you’ll make one payment. Continue reading

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