@ElderImran Avatar @ElderImran Elder Imran

Elder Imran posts on X about debt, company, this is, money the most. They currently have [-----] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

Engagements: [------] #

Engagements Line Chart

Mentions: [--] #

Mentions Line Chart

Followers: [-----] #

Followers Line Chart

CreatorRank: [-------] #

CreatorRank Line Chart

Social Influence

Social category influence finance #6847 countries 6.6% currencies #4343 celebrities 1.89% musicians 1.89% social networks 0.94% technology brands 0.94% stocks 0.94%

Social topic influence debt #268, company #1689, this is 12.26%, money #3658, in the 9.43%, business #3885, investment #971, finance #1371, pay #516, stocks #1028

Top accounts mentioned or mentioned by @oladalimi @wulle9630 @updatedweb3 @aliyuquadri @babshub @adenijisheriff2 @rayrmcf @jjker14 @elmiftah4haqq @isholasamiat @shorlarmm @omotayo_one @heph_kay @one17capitalcom @conquistador @moshoodyahayak @harunbukar @cowrywise @hephkay @blackboifly1

Top Social Posts

Top posts by engagements in the last [--] hours

"We are looking for a Senior Wealth Management Officer to join our team at One17 Capital. As a Fund and Asset Management company specialized in the Islamic Finance space we provide holistic wealth management solutions that align with Shariah and ethical frameworks. 1/"
X Link 2026-02-12T19:55Z [----] followers, [----] engagements

"if I sell you a house at [--] Million and you are to pay exactly [--] Million in [--] months. With an Inflation of 20% in [--] months my 10M is worth 6M of [--] months ago. The seller also bears Latency & Opportunity Cost Risk. 13/"
X Link 2026-02-14T21:42Z [----] followers, [----] engagements

"Then let's move to the second one. Trading the same currency. This here is not permissible. So all of you that buy Mint to spray in Owambe. You collect 50K mint new notes and you transfer 60K. This here is Haram and is Riba. 9/"
X Link 2026-02-14T09:09Z [----] followers, [---] engagements

"MORTGAGE IN NIGERIA: The Conventional Structure & The Islamic Alternatives. 🧵 Mr James a middle class Nigerian wants to purchase a home he's tired of renting but doesn't have money for outright purchase. So he chooses to take a Mortgage. 1/ @ElderImran I would like to know if this is applicable to mortgage In cases where developers sell to government and then I buy from the govt. @ElderImran I would like to know if this is applicable to mortgage In cases where developers sell to government and then I buy from the govt"
X Link 2026-02-15T17:10Z [----] followers, [----] engagements

"AAOIFI uses the "Rule of One-Third" (30%) as a benchmark for many of these filters. This is derived from a Hadith where the Prophet (peace be upon him) mentioned that "one-third is much" suggesting that anything beyond 33% becomes a dominant characteristic of the whole. 7/"
X Link 2026-02-12T21:13Z [----] followers, [----] engagements

"Let's look at the first financial "Trigger": Interest-bearing Debt / Market Cap. If a companys interest-based debt exceeds 30% of its value it is considered "over-leveraged" by Sharia standards. We cannot be partners in a business that relies so heavily on paying interest. 8/"
X Link 2026-02-12T21:13Z [----] followers, [----] engagements

"Tunde: "I want to buy a Corolla [----]. The Price is 5M". However the Bank has money and they have seen a business opportunity SELL A CAR TO TUNDE. Therefore the Bank purchases the Car from the dealer at 5M and then sells to TUNDE at 7M. 5/"
X Link 2026-02-14T21:41Z [----] followers, [----] engagements

"The Shaafai madhhab: Five in cash is equivalent to six in deferred payment. (al-Wajeez by al-Ghazaali 1/85). (Basically saying you can charge more for deferred payment). The Hanbali madhhab: Delay can add something to the price. (Fatawa Ibn Taymiyah 29/499). 9/"
X Link 2026-02-14T21:42Z [----] followers, [----] engagements

"Ibn Qudamah in Al-Mughni: "Selling for a deferred price at a higher rate is permissible. because the seller is entitled to a profit for his patience and the delay in receiving his money." Imam Al-Kasani: Time has a share in the price in a Sale but not in a Loan. 10/"
X Link 2026-02-14T21:42Z [----] followers, [----] engagements

"rather most sellers (generally) prefer you can pay them immediately sef. That's why in sales before you are offered a payment plan they try to persuade you to pay in full first. When you sell deferred you bear: - Inflation Risk: With Inflation at around 20% today 12/"
X Link 2026-02-14T21:42Z [----] followers, [----] engagements

"WHAT TO DO WHEN YOUR STOCK STOPS BEING SHARIAH-COMPLIANT Right now a lot of us are learning about Shariah-compliance when it comes to Investing in the stock Market. A lot of us have learnt about these quantitative ratios and want to know how to be compliant. A Thread 🧵 @ElderImran Oh boy So going by this ruling what happens to the shares I (might) own in these recently non-compliant companies Like assuming I bought the shares when the debt level was on the lower side do I keep the shares now or have to sell immediately Jazakallahu khairan. @ElderImran Oh boy So going by this ruling what"
X Link 2026-02-15T09:07Z [----] followers, [----] engagements

"He then approaches an NHF-accredited mortgage bank (called a Primary Mortgage Bank ). (NHF is National Housing Fund). This mortgage bank works together with the Federal Mortgage Bank of Nigeria which manages the NHF funds. 2/"
X Link 2026-02-15T17:10Z [----] followers, [---] engagements

"It clearly states that the Bank gave James Ejiofor a loan of 40M to buy a House. The Interest (Riba) amount on this 40M is 6% p.a. Although it's an Ammortized loan (which means 6% is charged on remaining balance every year not on the full 40M he borrowed). 8/"
X Link 2026-02-15T17:10Z [----] followers, [---] engagements

"Trading in the stock market has long been a dilemma for Muslim investors. We want to grow our wealth and support innovation but we are commanded to avoid Riba (interest/usury). In a global economy built on interest-bearing debt finding a "pure" company is nearly impossible. 2/"
X Link 2026-02-12T21:13Z [----] followers, [----] engagements

"@UpdatedWeb3 Their nature of business isn't Halal. Just like every other Conventional Asset management Insurance or Bank"
X Link 2026-02-13T22:41Z [----] followers, [---] engagements

"BDC (Bureau de Change) is not Haram provided it follows the specific rules of Bay al-Sarf (Currency Exchange). The misunderstanding comes from the difference between Interest and Trade. 1/ In Shariah money cannot be sold for a profit; it can only be exchanged at its face value. So BDC haram In Shariah money cannot be sold for a profit; it can only be exchanged at its face value. So BDC haram"
X Link 2026-02-14T09:09Z [----] followers, [----] engagements

"Yes. It is Not Haram. So best thing to do in such situations before you label any process or transaction to be HARAM or to be Riba in disguise Fas'alu Ahla adh dhikri in kuntum Laa Ta'alamn. Let's make a MURABAHAH thread and address all your issues. 1/ The only reason he is paying 6m is because he has no 5m to pay outright. Aside this he is obligated to buy the car once the bank purchases it. He cant say No. In fact he is required to have committed some payment before the bank buys the car. You saying this isnt haram The only reason he is paying 6m is because he has no 5m to pay outright."
X Link 2026-02-14T21:41Z [----] followers, 40.1K engagements

"The Binding promise covers two things: [--]. The Defect Option: If the seller buys the car and it turns out to have a faulty transmission Mr. Tunde is not obligated to buy it. The "Binding Promise" is only binding if the seller delivers the asset in the agreed-upon condition. 19/"
X Link 2026-02-14T21:42Z [----] followers, [----] engagements

"2. The Risk Window: Between the time the seller buys the car and the time Mr. Tunde signs the final sale the Seller owns it. If its destroyed the seller loses their money. The promise doesn't stop the seller from bearing ownership risk. 20/"
X Link 2026-02-14T21:42Z [----] followers, [----] engagements

"By purified we mean you must take it out and donate all of it to charity. So if at announcement the stock was [---]. Then you held for like [--] more days before selling and now it's [---] and you sell at that [---] then the [--] difference must be donated out. 11/"
X Link 2026-02-15T09:07Z [----] followers, [---] engagements

"However a more practical approach (and this is what I practice) is the Malaysia SAC's "HOLD UNTIL BREAK EVEN" Policy. It says that you may hold the security for as long as it takes for the market price to return to your Investment Cost. 13/"
X Link 2026-02-15T09:07Z [----] followers, [---] engagements

"This Primary Mortgage Bank let's call it Benson Mortgage Bank(BMB) becomes his primary contact point. BMB does it's due diligence and agree that Mr James is eligible to access mortgage. Then they ask him to find a property or they recommended to him a property. 3/"
X Link 2026-02-15T17:10Z [----] followers, [---] engagements

"What happens is that the Bank puts the House on sale mostly auction. James doesn't have a say in the pricing. The Bank sells it and you know how auctions work. The sale usually happens at a discount Sometimes an insider might even be the one to buy it sef at cheap. 12/"
X Link 2026-02-15T17:10Z [----] followers, [---] engagements

"DETERMINING THE SHARI'AH COMPLAINCE OF STOCKS. 1/ Many people assume that if a company doesn't sell alcohol or pork its automatically "Halal" to invest in. If the business itself is permissiblelike a tech company or a healthcare providerwe think were in the clear. 1/ @ElderImran Can you shed light on Seplat not being Sharia compliant @ElderImran Can you shed light on Seplat not being Sharia compliant"
X Link 2026-02-12T21:13Z [----] followers, 40.3K engagements

"The second trigger is Interest-bearing Deposits. If a company sits on too much cash in conventional banks and earns massive interest from it (exceeding 30% of its value) it fails. As Muslims we don't want our investment returns to be fueled by. 9/"
X Link 2026-02-12T21:13Z [----] followers, [----] engagements

"In Shariah money cannot be sold for a profit; it can only be exchanged at its face value. By ensuring the company owns "real" assets your stock represents a share in a productive business not just a claim on a pile of cash. 15/"
X Link 2026-02-12T21:13Z [----] followers, [----] engagements

"So back to the question about Seplat Energy on the NGX. Even though its an oil company (Halal business) it is currently flagged as Non-Compliant. Why It fails Trigger #1: Interest-based Debt. Its debt-to-market-cap ratio recently sat at 41% well above the 30% limit. 16/"
X Link 2026-02-12T21:13Z [----] followers, [----] engagements

"Take the Dangote Group as a prime example. Two companies owned by the same person yet one is "Halal" and the other isn't. Dangote Cement (DANGCEM): Historically remains compliant because it manages its debt within the AAOIFI limits. 18/"
X Link 2026-02-12T21:13Z [----] followers, [----] engagements

"Dangote Sugar (DANGSUGAR): Used to be compliant But it recently failed the same debt trigger as Seplat with its ratio reportedly soaring to 110%. For every [--] the company is worth on the NGX they owe [----] in interest-bearing debt. 19/"
X Link 2026-02-12T21:13Z [----] followers, [----] engagements

"@wulle9630 @aliyu_quadri @Babshub_ Aradel Legend Internet (one of the cleanest based on ratios) Fidson May & Baker Neimeth Cadbury Tantalizer and many more as at Q3 25"
X Link 2026-02-13T21:28Z [----] followers, [--] engagements

"For me I only Trade on the Nigerian Stock Exchange for now so I use Afrinvestor [---]. It's available on Play store and Apple Store. If you want exposure to US Stock Exchange then Bamboo. And if you want more foreign markets UK Spain France Japan India Brazil etc 1/ @ElderImran Pls which app can we use for making these investments @ElderImran Pls which app can we use for making these investments"
X Link 2026-02-14T07:37Z [----] followers, 20.1K engagements

"In Islam currencies (like Gold Silver or modern Naira/Dollars) are "Ribawi" items. You can absolutely trade them for a profit but the rules are stricter than trading a bag of sugar. 2/"
X Link 2026-02-14T09:09Z [----] followers, [----] engagements

"Rule A: If the currencies are DIFFERENT (e.g. USD for NGN): You can trade at any rate the market agrees on (e.g. [----] NGN for [--] USD even [----] to [--] USD if you want) as long as Buyer & Seller agree. This is where the BDC makes their profit. 3/"
X Link 2026-02-14T09:09Z [----] followers, [----] engagements

"Lets assume Mr. Zaid want to borrow $100 from Mr Bukar to pay back in [--] weeks time. Islamically Zaid have to pay back exactly 100USD. But now Bukar wants interest but doesn't want it to look like it so he comes up with a strategy of Zaid paying back in Naira instead. 5/"
X Link 2026-02-14T09:09Z [----] followers, [----] engagements

"So [--] USD is between 1400-1500 Naira. But since Bukar wants interest he now says Zaid I'll sell you [--] USD at [----]. Here is the 100USD bring the [------] next week. And then Zaid agrees. This might seem like a normal BDC exchange but the question now is 6/"
X Link 2026-02-14T09:09Z [----] followers, [----] engagements

"If Bukar offered to exchange 100USD for [------] at the spot would Zaid agree Obviously not. Why Because he can easily change 200K on his App or with his BDC guy at [----] for [--] USD and get about 140USD instead. So why is he agreeing to buy 100USD for 200K Naira 7/"
X Link 2026-02-14T09:09Z [----] followers, [----] engagements

"Mr Ali wants to buy a Car of 5M but he doesn't have money then he enters ABC Conventional Bank to get a Loan. The Bank basically confirms that Mr Ali is able to pay back the loan and does whatever due diligence needed and then gives the 5M to Ali to pay 7M in [--] months. 2/"
X Link 2026-02-14T21:41Z [----] followers, [----] engagements

"Here the contract binding the Bank and Tunde is not a loan contract but a Sales contract. Tunde bought a Car from Taj Bank for 7M to payback in [--] months. Now let's address some of the issues within the contract that are giving you headache. 6/"
X Link 2026-02-14T21:42Z [----] followers, [----] engagements

"This one is straightforward. The big question is "What if I am at a Loss". I bought at [---] now it's [---]. I am at a negative [--]. According to what I read AAIOFII give a a 90-day exit period where you must exit regardless of whether it comes back to [---] or not. 12/"
X Link 2026-02-15T09:07Z [----] followers, [---] engagements

"That means that you can wait for the stock to hit [---] again before you sell even if it extends beyond the 90-day AAIOFII window. This is more practical because when I invested its ratios were good I am not a decision maker in the business so I did not ask them. 14/"
X Link 2026-02-15T09:07Z [----] followers, [---] engagements

".to go and take plenty Interest-based debt. Therefore why should I just suffer a loss for that That might not be too practical for the market. Esp. somewhere like Nigeria where we have such exorbitant Brokerage fees. So now while waiting to recoup capital 15/"
X Link 2026-02-15T09:07Z [----] followers, [---] engagements

"if the company is a dividend-paying company you can use the dividends to balance up. E.g if the stock is [---] and while waiting the company now pays [--] as Dividends then you have broken even at [---]. You don't have to be waiting for the stock price to hit [---]. 16/"
X Link 2026-02-15T09:07Z [----] followers, [---] engagements

"However if your stock keeps falling during the wait period it's advisable to sell so that you are not overly waiting and holding onto a Haram stock for years waiting to recoup. You better just sell and invest in something else that is Halal and making Profits. 24/"
X Link 2026-02-15T09:07Z [----] followers, [---] engagements

"Scenario 3: Accidental Prohibited Sector (e.g. Insurance) So there are sectors which some people do not know are Haram e.g Conventional Insurance. Unlike Breweries Conventional Banks etc that are known to the public. 25/"
X Link 2026-02-15T09:11Z [----] followers, [---] engagements

"Then a person purchases stocks of let's say NEM Insurance or AXAMansard on the NGX. And maybe today while reading this thread they now find out that it's a Haram sector what do they do 26/"
X Link 2026-02-15T09:14Z [----] followers, [---] engagements

"While I respect the opinion I disagree. I am of the opinion that even at a loss you sell immediately. At most is to be given a minimal recoup period. Maybe [--] days. 29/"
X Link 2026-02-15T09:19Z [----] followers, [---] engagements

"Why sell at a loss Because the burden of researching a sector lies with the investor. Not knowing Insurance is haram is considered negligence. If it's quantitative ratios that is understandable only finance people used to delve into it. But for qualitative You must know"
X Link 2026-02-15T09:21Z [----] followers, [---] engagements

"While at this we still encourage Islamic Banks to create products that do not have similar alternatives in Conventional Finance. The goal is not to fit into this Riba System. The goal is to transform it. So let's think transformative and not adaptative. 👍🏽👍🏽"
X Link 2026-02-15T09:47Z [----] followers, [---] engagements

"@AdenijiSheriff2 Yes"
X Link 2026-02-15T10:48Z [----] followers, [--] engagements

"to the developer/seller. Then Mr James signs his Mortgage agreement. So this is where the very important information is. THE CONTRACT. What does this contract look like It is a Loan Contract between James & BMB (the Mortgage Bank). 7/"
X Link 2026-02-15T17:10Z [----] followers, [---] engagements

"Also the contract states that the House itself would stand as Collateral for the Loan. Kindly note that the House legally still belongs to the Bank based on the Mortgage contract (although maintenance etc all are borne by James). Also in case of default 10/"
X Link 2026-02-15T17:10Z [----] followers, [---] engagements

"the Bank can do a foreclosure (take back the house) sell it and recoup their balance. So now let's assume as we mentioned earlier that if this loan was for [--] yrs James would pay around 68M in total. Let's assume [--] years in he has paid 38M remaining 30M. 11/"
X Link 2026-02-15T17:10Z [----] followers, [---] engagements

"So let's say the house is sold at the same 40M (highly unlikely tho most likely less) the Bank first recoups it's balance of 30M and then it takes all the incurred fees (legal auction fees late penalty fees insurance premiums valuation fees recovery fees etc) 13/"
X Link 2026-02-15T17:10Z [----] followers, [---] engagements

"@Ray_RMCF Remove Eminem and put Rodrygo"
X Link 2026-02-07T11:59Z [----] followers, [----] engagements

"@jjker14 @Ray_RMCF Brahim Diaz then. In fact Valverde or Camavinga but not Eminem"
X Link 2026-02-07T14:10Z [----] followers, [---] engagements

"This is a client-facing role where youll own end-to-end relationships across retail HNI and institutional segments. We need a pro with 5-7+ years of experience in wealth or asset management and a proven ability to mobilise funds across diverse investment products. 2/"
X Link 2026-02-12T19:55Z [----] followers, [---] engagements

"Ready to drive AUM growth and deliver solution-oriented guidance Send your application to recruitment@one17capital.com on or before 25th February [----]. Join us in shaping the future of ethical investments Full description is on LinkedIn: https://www.linkedin.com/feed/update/urn:li:activity:7426952105472659456 https://www.linkedin.com/feed/update/urn:li:activity:7426952105472659456"
X Link 2026-02-12T19:55Z [----] followers, [---] engagements

"@Oladalimi I haven't calculated anything recently but I'll check in with Zoya Finance (since Seplat is Int'l) to see their current compliance status. Because their purchase of Mobil should have increased their market cal and made them fall significantly below the ratios. Jazakallah Bro"
X Link 2026-02-13T11:58Z [----] followers, [--] engagements

"@Con_quis_tador @moshoodyahaya_k You can check which stocks are on the Lotus Islamic Index for now. They're about [--]. There are more Shariah compliant stocks but those are the ones on the index. Then for foreign stocks you can use Zoya Finance to track compliance"
X Link 2026-02-13T13:31Z [----] followers, [---] engagements

"@elmiftah4haqq @harun_bukar @cowrywise Cowrywise is not a Shariah compliance Screener. They would most likely just mirror the Lotus Islamic Index which has just [--] stocks. Cowrywise doesn't have the obligation of providing you a list of all the Shariah compliant stocks"
X Link 2026-02-13T15:04Z [----] followers, [--] engagements

"IF A COMPANY IS NOT SHARI'AH COMPLIANT DUE TO THEIR QUANTITATIVE RATIOS AS SHARED ON THE THREAD ATTACHED CAN I WORK THERE 🧵 The Answer is YES in most of the cases. In Shariah the ruling for Employment is different from the ruling for Investment. 1/ https://x.com/i/status/2022056374323323304 @ElderImran So the conversation here is about investing Can we work in places like that Im not talking about companies that categorically engage in Haram but that of those like Seplat and co https://x.com/i/status/2022056374323323304 @ElderImran So the conversation here is about investing Can we work in"
X Link 2026-02-13T17:17Z [----] followers, [--] engagements

"When you invest in a company you are a "Partner" (Sharik). You own a piece of their debt and their interest-bearing bank accounts. If those are too high your "partnership" becomes problematic. 1/"
X Link 2026-02-13T17:17Z [----] followers, [--] engagements

"When you work for a company you are an "Employee" (Ajeer). You are selling your time and skills in exchange for a salary. Your contract is for your labor not for a share of their interest-based loans. 2/"
X Link 2026-02-13T17:17Z [----] followers, [--] engagements

"The reality is that A lot of people fall within this band. You are the one crafting the Riba of the company. This is Direct Assistance in Haram. The Quran (5:2) says: "Cooperate in righteousness. but do not cooperate in sin." 10/"
X Link 2026-02-13T17:17Z [----] followers, [--] engagements

"Then they dive deep into the Notes of the Financial Stmt. This is where companies break down: Components of Other Income Sources of finance income Segment-level revenue disclosures"
X Link 2026-02-14T07:31Z [----] followers, [--] engagements

"Screening bodies also review Cash & Investment disclosures to determine whether excess liquidity is placed in interest-bearing deposits bonds or money market instruments that generate impermissible income"
X Link 2026-02-14T07:31Z [----] followers, [--] engagements

"Scholars (like those at AAOIFI) looked at this Hadith and extracted a "Rule of Thumb": One-third (33.3%) represents a significant or substantial portion. 3/"
X Link 2026-02-14T09:16Z [----] followers, [---] engagements

"Therefore they argued: If a company's debt is more than one-third it is "significantly" interest-based. It is no longer a "Halal business with some debt"; it is now a "Debt-based business." To be safe many Shari'ahboards rounded this down from 33.3% to 30%. 4/"
X Link 2026-02-14T09:16Z [----] followers, [---] engagements

"One will ask: "Why is any interest allowed at all" The scholars recognize that in the modern Riba-dominant global economy it is almost impossible for a public company (like MTN or Dangote) to have zero interest-bearing debt or bank interest. 5/"
X Link 2026-02-14T09:16Z [----] followers, [---] engagements

"(The above was an advise and not a strict Shariah ruling and you will get rewarded for it). However if he doesn't know (maybe he lost records) he should just make Tawbah and increase in his Sadaqah. 35/"
X Link 2026-02-15T09:31Z [----] followers, [--] engagements

"In conventional accounting you might subtract your losses from your gains to calculate "net profit." In Shariah purification however each investment is treated as a standalone contract. 37/"
X Link 2026-02-15T09:35Z [----] followers, [--] engagements

"Conventional Calculation: [---] (Gain) - [---] (Loss) = [--] Net Profit. Therefore I do not have to donate anything. This is wrong. In Shariah you treat them as different contracts. 39/"
X Link 2026-02-15T09:40Z [----] followers, [--] engagements

"@Oladalimi Yes. MCSI Malaysia SAC etc do screen as well. As for Seplat paying off the RCF yes you are right. Although from info I have it is Q3 [--] not Q1. So the RCF was about 350Bn USD I think. But they issued Senior Notes in [----] (which are also interest-bearing) of about 650M USD"
X Link 2026-02-13T11:56Z [----] followers, [--] engagements

"One might say: "But me I'm just a Lawyer or Debt Mgmt Officer I don't take the decisions. What can I do" This is totally understandable. I won't tell you to resign from SEPLAT because they asked you to draft Riba agreement or to refuse your boss. So what can you do"
X Link 2026-02-13T17:18Z [----] followers, [---] engagements

"IF A COMPANY IS NOT SHARI'AH COMPLIANT DUE TO THEIR QUANTITATIVE RATIOS AS SHARED ON THE PREVIOUS THREAD CAN I WORK THERE 🧵 The Answer is YES in most of the cases. In Shariah the ruling for Employment is different from the ruling for Investment. @ElderImran So the conversation here is about investing Can we work in places like that Im not talking about companies that categorically engage in Haram but that of those like Seplat and co @ElderImran So the conversation here is about investing Can we work in places like that Im not talking about companies that categorically engage in Haram but"
X Link 2026-02-13T18:09Z [----] followers, [----] engagements

"When you invest in a company you are a "Partner" (Sharik). You own a piece of their debt and their interest-bearing bank accounts. If those are too high your "partnership" becomes problematic. 1/"
X Link 2026-02-13T18:09Z [----] followers, [---] engagements

"@wulle9630 @aliyu_quadri @Babshub_ Aradel is a Shariah Compliant stock. Rather I don't think Cowrywise does Shariah screenings themselves hence can't be an independent source of compliance"
X Link 2026-02-13T20:18Z [----] followers, [--] engagements

"@IsholaSamiat Amin"
X Link 2026-02-13T22:41Z [----] followers, [---] engagements

".then you can use Zoya Finance. They work with Int'l Brokers (although you will subscribe first) they show you Shariah compliance status as well as allowing you to buy on their platform via various brokers. 2/"
X Link 2026-02-14T07:37Z [----] followers, [----] engagements

"So that's that for BDC. So why I mentioned that in the Shariah compliance for Stocks thread is this. When you buy a stock you aren't just buying 'money.' You are buying a share of a company's Tangible Assetstheir factories trucks and oil rigs. 10/"
X Link 2026-02-14T09:09Z [----] followers, [---] engagements

"A company cannot just be a 'pile of cash' or a 'pile of debt.' If a company is 90% cash buying its stock is basically like buying Naira so you couldn't sell it for a profit By ensuring a company has a Tangibility Ratio (usually at least 30%) 11/"
X Link 2026-02-14T09:09Z [----] followers, [---] engagements

"@ShorlarMM This specific one I no fit advise you. If you don't know your way around it just buy an ETF like Lotus ETF or invest in a Shariah compliant equity fund like Stanbic IBTC Imaan fund. And if you want something balanced between fixed income and equities 1/"
X Link 2026-02-14T22:03Z [----] followers, [---] engagements

"Rather two sales contracts. First one is a Sales contract between Imran (buyer)and the Bookstore (seller) . Imran bought a Book at 10K or maybe prized it down to 9K sef. The Receipt issued by the Store is in Imran's name. 6/"
X Link 2026-02-15T08:42Z [----] followers, [--] engagements

"And then the second sales contract is between Omotayo (buyer) and Imran (seller). Imran sells a Book at the price of 12K to Omotayo to pay in [--] months time. So no matter how you try to make it look the same they are not. One is a Sale the other is a Loan. 7/"
X Link 2026-02-15T08:42Z [----] followers, [--] engagements

"You can't tell me you are starting an Investment journey and you can't do the bear minimum (finding out if the core business is Halal or Haram). This is why I hold the opinion that this is negligence and the investor must exit immediately even if they are at a loss. 31/"
X Link 2026-02-15T09:22Z [----] followers, [--] engagements

"The loss is the price for their negligence. Then Scenario D: The Repentant Investor This is the person who knows buying Nigerian Breweries or GT Bank is Haram but still chooses to buy them. But now he has chosen to repent. "Verily Allah loves those who repent". 32/"
X Link 2026-02-15T09:24Z [----] followers, [---] engagements

"As for whatever dividends or gains he has made from that in the past and has consumed it he should make Tawbah and ask Allah for forgiveness. To further purify his wealth if he knows the exact amount he can look to give that out to charity (even in phases if it's much) 34/"
X Link 2026-02-15T09:29Z [----] followers, [---] engagements

"The final thing I will mention is THE NO OFSETTING LOSSES Rule. It dictates that an investor cannot use the capital losses incurred on one non-compliant stock to reduce the purification liability (the amount to be donated) arising from the profits of another non-compliant stock"
X Link 2026-02-15T09:35Z [----] followers, [--] engagements

"Mr Yakubu (the investor) must donate the entire [---] from Stock A to charity. They cannot use the [---] loss from Stock B to lower or eliminatethe donation amount. The [---] loss is simply a loss of the investor's original principal. 40/"
X Link 2026-02-15T09:41Z [----] followers, [---] engagements

"Alright [--] Tweets is a very long thread. I'll stop here In Sha Allah. Whatever I said which is correct is from Allah and his Messenger. Whatever I said which is wrong is from myself. Assalamu Alaikum wa Rahmatullah. End of Thread. 🧵 41/"
X Link 2026-02-15T09:42Z [----] followers, [---] engagements

"@Heph_kay https://x.com/i/status/2023082424910188840 MORTGAGE IN NIGERIA: The Conventional Structure & The Islamic Alternatives. 🧵 Mr James a middle class Nigerian wants to purchase a home he's tired of renting but doesn't have money for outright purchase. So he chooses to take a Mortgage. 1/ https://x.com/i/status/2023082424910188840 MORTGAGE IN NIGERIA: The Conventional Structure & The Islamic Alternatives. 🧵 Mr James a middle class Nigerian wants to purchase a home he's tired of renting but doesn't have money for outright purchase. So he chooses to take a Mortgage. 1/"
X Link 2026-02-15T20:42Z [----] followers, [--] engagements

"Another video from the same Lead British International School. Make I pay almost [--] Million per year to a school where my child would be bullied. Never"
X Link 2024-04-22T23:23Z [----] followers, 158.4K engagements

"As an Atheist or at least someone who doesn't believe in religion what is your definition of Adultery Marrying a second wife is legalized adultery. Marrying a second wife is legalized adultery"
X Link 2024-06-28T11:25Z [----] followers, 50.6K engagements

"Kar ka yadda ka shiga wuta"
X Link 2024-07-12T18:51Z [----] followers, 16.4K engagements

"Ni fa Sheikh Haifan na burge Ni. Babu ruwan shi da siyasar Nijeriya. Babu wasu side talks a karatun sa. Zai zo ya zuba muku ilimi yayi gaba"
X Link 2024-07-27T22:40Z [----] followers, 17.1K engagements

"Incase you come across this and are tempted by the yeild from this Commercial Paper kindly note that this is an Interest paying Debt Instrument and isn't a SHARI'AH - COMPLIANT instrument. Dangote Sugar just dropped a new investment that pays 2325% in less than a year. Minimum entry [--] million. If you dont have it dont vex. Just read. At least financial education no get minimum balance. 😂 Dangote Sugar just dropped a new investment that pays 2325% in less than a year. Minimum entry [--] million. If you dont have it dont vex. Just read. At least financial education no get minimum balance. 😂"
X Link 2025-09-03T05:58Z [----] followers, 25.8K engagements

"@Blackboi_fly1 @BashirAhmaad https://x.com/ElderImran/status/1991977655076569310t=ZQI38TsyG0NZEAM3rFFfhw&s=19 https://x.com/ElderImran/status/1991977655076569310t=ZQI38TsyG0NZEAM3rFFfhw&s=19"
X Link 2025-11-21T21:11Z [----] followers, [--] engagements

"Some men reward loyalty with Monogamy. Its not because they lack financially. Its not because they aren't "man enough" or lack the desire. Its because theyve calculated the cost of their wifes tears against the value of a new bride and the math simply doesn't add up. 🧵"
X Link 2026-01-24T19:34Z [----] followers, 74.6K engagements

"This position is basically saying "If you dislike the fact that Allah allowed it then this is an act of Kufr" Why Because we cannot wish that something Allah made Halal was Haram. It's not saying that " If you prefer that your husband had only one wife then this is Kufr" 1/ Whoever dislikes that Allah has allowed for men to marry multiple women or believes that one wife is better is a kafir. Shaykh Bin Baz Whoever dislikes that Allah has allowed for men to marry multiple women or believes that one wife is better is a kafir. Shaykh Bin Baz"
X Link 2026-01-25T21:43Z [----] followers, 18.8K engagements

"The "Fidson vs. Neimeth" comparison is like comparing a finished skyscraper to one where the foundation is being poured. Fidson is a great company at a "perfect" price. Neimeth is a turnaround giant at a "dislocation" price. Here is what the numbers arent telling you. 🧵 NEIMETH INTERNATIONAL PHARMACEUTICALS PLC vs FIDSON HEALTHCARE PLC 📊 Key Takeaways: Fidson vs. Neimeth REVENUE Fidson: Shows aggressive and consistent upward growth from N30.86B in [----] to a Trailing Twelve Months (TTM) high of N117.54B. Neimeth: Growth is significantly https://t.co/ZMAmLua8sT NEIMETH INTERNATIONAL"
X Link 2026-01-27T11:18Z [----] followers, [----] engagements

"Critics say Neimeth's revenue is "flatter." Really Neimeth just posted 102% YoY revenue growth (N2.2bn to N4.5bn+). That isn't "flat" that is a breakout. Fidson is established but Neimeth is currently the fastest-growing pharma stock on the #NGX in terms of scale-up. 2/6"
X Link 2026-01-27T11:18Z [----] followers, [---] engagements

"@abalu_uthman Tempting to buy. Not just a long-term player. Do you think there can be any significant growth before Q4 2026"
X Link 2026-01-27T13:36Z [----] followers, [---] engagements

"Historical context is noted but markets price the future not [----] origins. $NEIMETHs 9M [----] data shows a 62% revenue jump (3.09bn to 5.01bn) and a 120% surge in operating profit. This isn't a "flat" story; it's a fundamental breakout in production scale. 1/ Fidson was founded in [----]. They started as a local distributor of pharmaceuticals products. Neimeth was founded in [----] pulling out of Pfizer Nigerian Operations that was founded in [----]. Numbers dont lie they are there to tell you the story of a company it is after Fidson was founded in [----]. They started as a local distributor of"
X Link 2026-01-27T18:56Z [----] followers, [----] engagements

"The -1.67B loss is a macro "leak" not a business failure. Finance costs rose 198% due to high-interest debt. The 20bn capital raise and Oregun plant upgrade are specifically designed to deleverage and stop the interest bleed. Operationally the core is robust. 2/"
X Link 2026-01-27T18:56Z [----] followers, [---] engagements

"Smart money is repositioning. Institutional entry (Tangerine APT Fund crossing 5%) suggests a valuation gap between price and asset base (WHO-standard Amawbia plant). I don't call this a "dip" its a price dislocation. Watching the floor for the re-rating. 3/"
X Link 2026-01-27T18:56Z [----] followers, [---] engagements

"Personally I'll hold. I predict the stock closing at at least [--] Naira by end of year. So yes I'll be buying at [--] Naira now. Let's watch and observe. 4/"
X Link 2026-01-27T18:56Z [----] followers, [--] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing