An interest-free lending pool that revolves perpetually. 0% from either side.
The remedy of riba, and the ultimate goal of the Fotoh ecosystem. An interest-free lending platform where members contribute to a global pool and never withdraw the principal in this life. Borrowers repay; the capital revolves perpetually. Each cycle generates 19 hasanah for the original lender. Qardon is the father of sadaqat — sadaqah is consumed once; Qardon revolves until the Day of Judgment.
0% from either side. 100% of every contribution enters the pool whole. 100% of every disbursement reaches the borrower whole. Nothing in between can resemble interest. Operations are funded from investment yield on a halal portfolio, charitable contributions from Fotoh, Inc., and lean technology billing under a Master Service Agreement. Transparent, audited, and disclosed in the qardon.org Form 990.
Qardon is the destination of the entire Fotoh flywheel. Live Athan users discover it. MIS Ummah Census tells it where new masjids are needed. Masjid Builder executes the builds it funds. MMS displays its content in every partner masjid. Live Athan Premium revenue (via Fotoh, Inc.) charitable-contributes to the qardon.org operating budget during bootstrap.
Bootstrap-phase context: qardon.org is currently in 501(c)(3) incorporation. Contributions received during this period are held in escrow until IRS determination, with full refund available to donors any time before transfer. Tax-deductible receipts issue retroactively upon recognition.
Give, borrow, or apply for Recovery directly at qardon.org — the nonprofit operates independently and donors interact with it, not with Fotoh, Inc.
Visit qardon.org →