We built this because we needed it ourselves

It started with a car.

In [year/month] I tried, as a Muslim in Sweden, to buy my first car without falling into riba. I called three banks. Two said they "did not know of any halal alternative." The third said I could "pay cash or lease." I could not pay 280,000 SEK cash. And the leasing turned out to be interest-based at the core.

I called five mosques. Three could not give a clear answer. One said "ask your imam." One said "we do not have products to recommend."

I spoke to 40+ other Muslims in Stockholm, Gothenburg, and Malmo who had the same problem. Three workarounds came up:

1. Buy a worse, cheaper car for cash - most common
2. Take the conventional loan and make istighfar - second most common, everyone felt bad about it
3. Wait for years - third most common

None of these felt like the answer. So I decided to build it.

I am the founder. Here is what you need to know:

Background:

• [City of residence]
• [Education - relevant parts]
• [Previous work, especially finance / company-building]
• Muslim, practicing, [school affiliation if relevant]

Why am I the right person for this?

I am not an Islamic finance expert. That is why I have a Shariah Supervisory Board with three independent scholars from three schools. I am not a Swedish consumer credit law expert. That is why we have a Swedish law firm reviewing every contract. What I am: someone who has lived this problem, who can build and run a company, and who is personally accountable for this being genuinely halal.

What I have gotten wrong so far:

• My first contract template had a clause our supervisory board rejected. I rewrote it.
• My first pricing model was too aggressive. I corrected it.
• I underestimated the time to full Shariah approval. We opened the waitlist six months later than planned.

Being open about these mistakes is not a mistake. It is how trust is built.

Ribafri AB

• Swedish limited company
• Registration number: [orgnr]
• Headquarters: [city]
• Registration date: [date]
• Auditor: [audit firm]
• Legal counsel: [law firm] (reviews all consumer contracts)

The company is not a bank, not part of any bank, and not affiliated with any foreign Islamic finance institution. We are an independent Swedish limited company.

Three independent scholars. Three schools. No financial incentives to approve the wrong things.

See the board and fatwa in detail →

We promise three things:

1. Nothing here will ever be haram.
If we miss something, we will fix it openly, refund affected customers, and update the contract publicly.

2. Everything will be public.
Fatwa, contract, AAOIFI mapping, accountability. No hidden incentives.

3. We will never grow faster than our ability to keep it halal.
Better 100 satisfied Founding Members in 2026 than 10,000 customers with compromises.

Bilen Utan Riba grows with the community. Three ways to contribute:

1. Join the waitlist - even if you are not ready to buy, it signals demand.
2. Tell someone - a brother or sister stuck in the same captivity you were.
3. Help us build - if you have experience in Islamic finance, law, design, or software, we are looking for partners.

Email: [email protected]

• General email: [email protected]
• Founder email: [email protected] (replies within 48 hours)
• Founding Member line: [phone] (members only)
• Address: [company address, Sweden]
• Reg. number: [orgnr]