» FREQUENTLY ASKED QUESTIONS

The Anfiqu team reviews Qard (Loan) requests carefully and considers each application based on the applicant's circumstances, the purpose of the request, the information provided, and the funds currently available.

Where funds are limited, some applications may be delayed until further funds become available. All decisions are made with the aim of supporting those in genuine need while ensuring that the Qard fund remains available to help others in the future.

For Qard (Loan) requests, the team also considers whether the amount requested is affordable and whether there is a reasonable expectation that it can be repaid.

This assessment is not intended to judge an applicant's personal circumstances or financial situation. It is part of the responsibility of managing the fund according to the Islamic principles of trust (amanah) and responsible stewardship.

Repayments allow the same funds to be used again to support other members of the community who may need assistance.

An Anfiqu representative may contact the applicant to discuss their circumstances and request further information where needed.

A reference or recommendation from an Imam or another trusted community representative may also be considered as part of the assessment process.

Applicants may be asked to provide supporting documents, which can include:

• Recent bank statements (normally covering the last three months).
• Evidence of employment or income, including recent payslips where applicable.
• A current Universal Credit award statement or other benefit entitlement documents.
• For asylum seekers or refugees, relevant Home Office documents or evidence of current support arrangements, where applicable.
• Quotations, invoices, bills, tenancy information, or other documents related to the purpose of the request.
• Any other information that helps the team understand the applicant's circumstances and assess a suitable repayment arrangement.

The Anfiqu team aims to treat every applicant with compassion, fairness, dignity, and confidentiality while ensuring that charitable funds are managed responsibly and remain available for those in need.

Applicants must provide truthful and accurate information. All documents and declarations submitted must be genuine, complete, and must not be altered, edited, or misleading.

Anfiqu may request original documents or verify information with the relevant organisation where appropriate.

Any attempt to obtain assistance by providing false information, hiding important facts, or submitting altered or fraudulent documents will be treated as a serious breach of trust (amanah).

Where fraud or deliberate misrepresentation is identified, the application may be declined, existing assistance may be withdrawn, access to the Anfiqu fund may be restricted, and the matter may be reported to the relevant authorities where there is evidence of criminal activity.