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Subrat SaurabhAuthor of Kuch Woh PalZayd Haji Author & Research Student Founder: Islamic Finance Research (IFR), Islamic Studies Research (ISR), Islamic Guidance Counsel (IGC) Websites: www.zaydhaji.com | www.zaydalhaji.com Birth Name: Zaid Iqbal Haji Born: 1st February 1998 CE | 3rd Shawwal 1418 AH (Eid al-Fitr) Place of Birth: South Mumbai, India A Sacred Beginning On Eid al-Fitr, while the Ummah celebrated, a child was born in Mumbai whose first cries echoed not confusion, but “Allah! Allah! Allah!” Witnesses recall it as a sacred sign. His great-grandfather and maternal grandfather gave the Adhān in his ears, Read More...
Zayd Haji
Author & Research Student
Founder: Islamic Finance Research (IFR), Islamic Studies Research (ISR), Islamic Guidance Counsel (IGC)
Websites: www.zaydhaji.com | www.zaydalhaji.com
Birth Name: Zaid Iqbal Haji
Born: 1st February 1998 CE | 3rd Shawwal 1418 AH (Eid al-Fitr)
Place of Birth: South Mumbai, India
A Sacred Beginning
On Eid al-Fitr, while the Ummah celebrated, a child was born in Mumbai whose first cries echoed not confusion, but “Allah! Allah! Allah!” Witnesses recall it as a sacred sign. His great-grandfather and maternal grandfather gave the Adhān in his ears, fulfilling the Sunnah (Sunan Abi Dawud 5105).
He was named Zaid, inspired by Zayd ibn Harithah (RA), the beloved companion of the Prophet ﷺ, whose loyalty and humility made him the only companion mentioned by name in the Qur’an (33:37). This name became a trust — to live with faith, loyalty, and service.
The Qur’an reminds us of the Primordial Covenant (7:172), where every soul testified: “Alastu bi Rabbikum?” – “Am I not your Lord?” Perhaps his first cries were echoes of that divine pledge.
Family & Legacy
Zayd was born into the Haji family, known for integrity and service:
Great-grandfather: Ismail Abbas Haji (d. 1999), remembered for honesty in trade.
Grandfather: Ahmed Ismail Haji (1934–2025), a paragon of Qur’anic humility.
Father: Iqbal Ahmed Haji (1965–2020), who served 35 years at Sharjah Airport before passing after a long illness.
Maternal grandparents: Khayyamudin Mimli (d. 2023) and Suraiya Mimli (d. 2020), who embodied resilience and compassion.
Their sacrifices shaped Zayd’s mission to revive ethics in wealth and life.
Struggle & Awakening
The turning point came with his father’s passing in 2020. Emotionally and financially broken, Zayd stood at a crossroads. Instead of surrendering, he chose struggle, guided by his mother, Almas Iqbal Haji, and inspired by the du’as of his ancestors.
He committed himself to Islamic finance not as a career but as a calling.
Voice of Ethical Finance
In a world dominated by riba and deceptive financial systems, Zayd emerged as a voice of resistance. His work exposes how modern economics enslaves societies through compounding debt, fiat inflation, and monopolistic structures.
Through IFR, ISR, and IGC, he bridges Qur’an, Sunnah, and modern challenges. His mission is clear:
Realign money with morality.
Connect wealth with worship.
Root finance in La ilaha illAllah.
Academic & Professional Path
Zayd’s journey combines modern education with Islamic sciences:
BBA in Marketing – Bharati Vidyapeeth University, Pune.
Post-Graduation in New Age Banking – Imarticus Learning, Mumbai.
MBA in Banking & Finance – NMIMS, Mumbai.
Post-Graduation in Islamic Sciences – Zad Academy, under Shaykh Assim Al Hakeem.
Certifications: Behavioural Finance, Corporate Strategy, Leadership, Islamic Finance (mentored by Almir Colan, AusCIF).
He calls himself simply a student — of truth, finance, psychology, and faith.
Podcast Series
Zayd’s Rules: Ethical Finance – The Halal Economy
A podcast that explores riba, zakat, halal investing, and Qur’anic economics — making complex issues relatable and practical.
Works & Writings
The Invisible Debt Trap (Vol. 01): A wake-up call exposing modern banking’s slavery.
The Modern Economy & Capitalism Exposed (Vol. 02): Reveals the exploitative design of global finance.
Investing Guides: Practical halal strategies for stocks, mutual funds, and business.
Islamic Psychology Works: Unlock Your Mind and Self-Respect & Self-Esteem, helping reclaim fitrah.
Research & Initiatives
IFR: Industry analysis, halal screening, financial modeling.
ISR: Qur’an, Hadith, and Islamic teaching through podcasts and visuals.
IGC: Personalized faith-centric counseling for Muslims navigating careers, wealth, and purpose.
Vision & Mission
Zayd believes finance is never neutral — it either uplifts or oppresses. The Qur’an warns: “Your wealth and your children are but a trial” (64:15). The Prophet ﷺ said: “Each of you is a shepherd, and each of you is responsible for his flock” (Sunan Abi Dawud 2928).
He calls Muslims not just to avoid riba but to understand halal, build just systems, and revive mercy in economics.
Zayd asks:
Is your wealth serving your akhirah?
Are your investments building the Ummah or financing oppression?
Is your portfolio purifying you — or poisoning you?
He invites Muslims to see wealth as amanah and align financial life with Qur’anic justice.
Counseling & Revival
Through IGC, Zayd offers one-on-one Islamic finance and purpose-driven counseling — confidential, faith-centered, and practical.
Since 2017, his mission remains: to revive ethical wealth through Islamic intelligence. His works, podcasts, and research are not brands — they are barakah.
This is not just economics. It is Islah (reform), Ilm (knowledge), and Dawah (calling to Allah).
“This is not a brand. It’s barakah. This is not content. It’s calling. This is the revival. And it begins with you.”
Read Less...
What if the system you're working so hard to succeed in was designed to make sure you never win?
In this bold and eye-opening expose, Zayd Iqbal Haji uncovers the sinister blueprint behind today’s global economy—revealing how modern finance is not just broken, but deliberately engineered to enslave. With Riba at its core and manipulation in its DNA, capitalism thrives on your obedience, your debt, and your silence.
Backed by
What if the system you're working so hard to succeed in was designed to make sure you never win?
In this bold and eye-opening expose, Zayd Iqbal Haji uncovers the sinister blueprint behind today’s global economy—revealing how modern finance is not just broken, but deliberately engineered to enslave. With Riba at its core and manipulation in its DNA, capitalism thrives on your obedience, your debt, and your silence.
Backed by the Qur’an and 1,400 years of ignored economic truth, this book connects everything they never wanted you to understand—banking, inflation, cryptocurrency, Waqf, secret societies, and the spiritual cost of financial ignorance.
Volume 02 doesn’t offer comfort. It offers clarity.
It won’t soothe your illusions—it will shatter them.
But once you read it, you’ll never see money, success, or "freedom" the same again.
If you’re tired of being lied to, trapped by debt, and sold false dreams—this is your wake-up call.
Buy this book. Break the system. Reclaim your purpose.
What if the system you're working so hard to succeed in was designed to make sure you never win?
In this bold and eye-opening expose, Zayd Iqbal Haji uncovers the sinister blueprint behind today’s global economy—revealing how modern finance is not just broken, but deliberately engineered to enslave. With Riba at its core and manipulation in its DNA, capitalism thrives on your obedience, your debt, and your silence.
Backed by
What if the system you're working so hard to succeed in was designed to make sure you never win?
In this bold and eye-opening expose, Zayd Iqbal Haji uncovers the sinister blueprint behind today’s global economy—revealing how modern finance is not just broken, but deliberately engineered to enslave. With Riba at its core and manipulation in its DNA, capitalism thrives on your obedience, your debt, and your silence.
Backed by the Qur’an and 1,400 years of ignored economic truth, this book connects everything they never wanted you to understand—banking, inflation, cryptocurrency, Waqf, secret societies, and the spiritual cost of financial ignorance.
Volume 02 doesn’t offer comfort. It offers clarity.
It won’t soothe your illusions—it will shatter them.
But once you read it, you’ll never see money, success, or "freedom" the same again.
If you’re tired of being lied to, trapped by debt, and sold false dreams—this is your wake-up call.
Buy this book. Break the system. Reclaim your purpose.
What if the system wasn’t broken—but built to keep you in debt?
The Invisible Debt Trap – Volume 01 by Zayd Iqbal Haji is a bold financial wake-up call. This powerful book uncovers how interest-based capitalism, riba (interest), usury, and inflation silently siphon wealth from the many to benefit the few. Backed by real-world data and compelling storytelling, it reveals the hidden architecture of modern finance—where ghar
What if the system wasn’t broken—but built to keep you in debt?
The Invisible Debt Trap – Volume 01 by Zayd Iqbal Haji is a bold financial wake-up call. This powerful book uncovers how interest-based capitalism, riba (interest), usury, and inflation silently siphon wealth from the many to benefit the few. Backed by real-world data and compelling storytelling, it reveals the hidden architecture of modern finance—where gharar (uncertainty), maisir (speculation), and deceptive investments are designed to entrap.
But this isn’t just critique—it’s a blueprint for change.
Drawing on timeless principles of Islamic Finance, Zayd explores ethical, asset-backed models like Murabaha, Mudarabah, Musharakah, Ijarah, Sukuk, and Zakat. Grounded in Fiqh al-Muamalat, these instruments promote transparency, justice, and risk-sharing—not exploitation.
You’ll learn how greenwashed scams, fake halal finance, and compounding debt lead to economic and spiritual decay—and why solutions like Qard Hasan, Waqf, and Bay’ al-Salam are more relevant than ever.
Whether you're trapped in credit cycles or seeking ethical investment, this book is a must-read.
Volume 01 lays the foundation.
Volume 02 will uncover riba’s history, secret financial powers, Zakat systems, and the spiritual war behind modern economics.
Be ready. The journey has just begun.
What if the system wasn’t broken—but built to keep you in debt?
The Invisible Debt Trap – Volume 01 by Zayd Iqbal Haji is a bold financial wake-up call. This powerful book uncovers how interest-based capitalism, riba (interest), usury, and inflation silently siphon wealth from the many to benefit the few. Backed by real-world data and compelling storytelling, it reveals the hidden architecture of modern finance—where ghar
What if the system wasn’t broken—but built to keep you in debt?
The Invisible Debt Trap – Volume 01 by Zayd Iqbal Haji is a bold financial wake-up call. This powerful book uncovers how interest-based capitalism, riba (interest), usury, and inflation silently siphon wealth from the many to benefit the few. Backed by real-world data and compelling storytelling, it reveals the hidden architecture of modern finance—where gharar (uncertainty), maisir (speculation), and deceptive investments are designed to entrap.
But this isn’t just critique—it’s a blueprint for change.
Drawing on timeless principles of Islamic Finance, Zayd explores ethical, asset-backed models like Murabaha, Mudarabah, Musharakah, Ijarah, Sukuk, and Zakat. Grounded in Fiqh al-Muamalat, these instruments promote transparency, justice, and risk-sharing—not exploitation.
You’ll learn how greenwashed scams, fake halal finance, and compounding debt lead to economic and spiritual decay—and why solutions like Qard Hasan, Waqf, and Bay’ al-Salam are more relevant than ever.
Whether you're trapped in credit cycles or seeking ethical investment, this book is a must-read.
Volume 01 lays the foundation.
Volume 02 will uncover riba’s history, secret financial powers, Zakat systems, and the spiritual war behind modern economics.
Be ready. The journey has just begun.
How will this book help you?
The Book Zayd's Rules: Investing in Value stocks proved to achieve a thriving investment approach over time. A value stock possesses the potential to grow multi-bagger stock. This book teaches the approach of value investing that gives high gains for investors.
Valuable Stocks through lower valuations: This book potrays one of the most prominent benefits of value stock investing. The approach benefits
How will this book help you?
The Book Zayd's Rules: Investing in Value stocks proved to achieve a thriving investment approach over time. A value stock possesses the potential to grow multi-bagger stock. This book teaches the approach of value investing that gives high gains for investors.
Valuable Stocks through lower valuations: This book potrays one of the most prominent benefits of value stock investing. The approach benefits recognize stocks that possess reliable potential and trading at more economical than their intrinsic value.
Investing in value stocks that are underpriced in the stock market will benefit with more formidable gains in the prospect. Moreover, value stocks are not high-priced, value investors posses the stocks at a lower price.
Investing in value stocks can contribute a perimeter of protection concerning an investor. The perimeter of security remains the distinction between the price's intrinsic value furthermore the stock's current market price.
Investing through Facts: Financial Analysts choose value stocks performing an in-depth fundamental analysis of the business. The approach recommends performing broad research of the business considering its moat analysis and future prospects. Consequently, investing based on value research and data happens a beneficial approach than Intraday Stock trading.
Enjoy Value Investing !
How will this book help you?
Investing capital is like an art; for this reason, one has to learn to close to perfection to adopt consistent and preferred results.
The challenge of solving how to invest in stocks is pretty daunting. Why? Because our future financial literacy lacks. Hence identifying how to invest in stocks will become a challenge. So when investing funds, one faces challenges, and matters are at a deficit. I am tryi
How will this book help you?
Investing capital is like an art; for this reason, one has to learn to close to perfection to adopt consistent and preferred results.
The challenge of solving how to invest in stocks is pretty daunting. Why? Because our future financial literacy lacks. Hence identifying how to invest in stocks will become a challenge. So when investing funds, one faces challenges, and matters are at a deficit. I am trying to clarify trouble or fear with my book Zayd's Rules: Investing in the Stock Market. However, chapters in this book may be overwhelming as you read further, but if you read with complete focus, you will understand it.
I WILL TRY TO HELP YOU WITH THE PRECISE INFORMATION IN THIS BOOK
How will I assist? By simplifying the complexities of investing. I will explain funding in the easy colloquial language (no jargon).
This book may be an excellent manual for novices.
In Stock Market, Investing your capital in a 'proper manner' is a necessity; it isn't always a choice. Why? Because our financial well being is depending on the achievement of our stock investments.
This book will help you know how to invest capital in the stock market? Buying a few shares and mutual funds right from here and there in the name of investment will now no longer work. What is essential is subsequent:
Create a sturdy fundamental analysis for investment.
Practice rules in the book to construct a sturdy equity portfolio.
Have a happy investing!
How will this book help you?
Do you prefer yourself to be an Employee or Employer?
Question yourself, what would you prefer to be, an employee, or an employer?
You might think why I am asking you this question because you will get whether you have an urge to start a business and be an employer or get employed to an employee.
As an employee, you employed for others. You create money for others and receive a salary,
How will this book help you?
Do you prefer yourself to be an Employee or Employer?
Question yourself, what would you prefer to be, an employee, or an employer?
You might think why I am asking you this question because you will get whether you have an urge to start a business and be an employer or get employed to an employee.
As an employee, you employed for others. You create money for others and receive a salary, usually a hard and fast amount of cash for every hour you're employed, or a set monthly amount.
As an employer, you're employed for yourself and hire people. It allows you to enhance your financial condition and earn far more money than an employee. Since you're the owner of your business, you'll probably work harder, make more, and have more reliability.
For some personalities, the thought of being their boss is intimating. They might instead work for others because they feel safer, and don't worry about running a business.
As an employee, you'll be able to make progress and reckon where you're employed, and you'll be able to reach a high position and earn well.
As an employer, you continuously ought to find ways to seek out customers, increase your orders, and improve your business. However, if the corporate succeeds, you'd earn far more money.
"Own a business & enough money that lives forever." - Zayd Haji
How will this book help you?
I have seen miracles happen in the real life of people in the world. Magic can happen to anyone. People grow inferior to the wealthy to the poor in reality within magic, and I perceived that in the realm. It only happens when men and women realize their purpose at birth.
Why do they birth in this beautiful world?
Why is their existence essential?
When I know myself, these questions pop up i
How will this book help you?
I have seen miracles happen in the real life of people in the world. Magic can happen to anyone. People grow inferior to the wealthy to the poor in reality within magic, and I perceived that in the realm. It only happens when men and women realize their purpose at birth.
Why do they birth in this beautiful world?
Why is their existence essential?
When I know myself, these questions pop up in my mind: my inner talent and hidden skills.
As a beginner, I developed my skills at a professional level. I tried to gain more knowledge about the profession I succeeded. I tried feeling my mind focus on one thing: that is my goal. The way I want the reason to act is what I grasped. I allowed my mind to take a break and feel helpful information. Take my decisions and every step in my life carefully.
I followed people who are already mastering and excelling in my field.
The power of thought and concentration helped me accomplish my goals.
Learning about the subconscious mind, I achieved a lot in my life and helped my family and friend with this information-that is why I thought to share my knowledge with this book with millions out there.
This book teaches you the way of thoughts that come to mind training your brain to reach your goals, think open-mindedly, minding your business by investing in yourself. Create your destiny with this book by making your mind calm and focused.
"A calm mind is a solid and focused mind." - Zayd Haji
If you would like to find out to respect yourself additional by developing your sense of Self Respect, then this book is for you! Self-esteem mеаnѕ ѕimрlу thinking highlу of one's ѕеlf. Many parents, tеасhеrѕ аnd рѕусhоlоgiѕtѕ fееl that bу showering a child with рrаiѕе, hе оr ѕhе will grow uр with a positive attitude and соnfidеnсе. But often ѕеlf-еѕtееm thаt iѕ lеft unchecked can dеvеlор intо dеѕtruсtiv
If you would like to find out to respect yourself additional by developing your sense of Self Respect, then this book is for you! Self-esteem mеаnѕ ѕimрlу thinking highlу of one's ѕеlf. Many parents, tеасhеrѕ аnd рѕусhоlоgiѕtѕ fееl that bу showering a child with рrаiѕе, hе оr ѕhе will grow uр with a positive attitude and соnfidеnсе. But often ѕеlf-еѕtееm thаt iѕ lеft unchecked can dеvеlор intо dеѕtruсtivе bеhаviоr: thinking less of оthеrѕ, ungrаtеfulnеѕѕ, аrrоgаnсе, сосkinеѕѕ. Thе рurѕuit of ѕеlf-еѕtееm саn bесоmе аn excuse tо do уоur оwn thing-rеgаrdlеѕѕ оf whether оr nоt thе "thing" in ԛuеѕtiоn iѕ аnti-ѕосiаl-аnd ԛuiсklу mutаtе intо ѕеlf-wоrѕhiр." Sеlf-rеѕресt, on thе оthеr hand, iѕ a mindѕеt that аllоwѕ uѕ to become grаtеful, humblе and wеll аdjuѕtеd. Sеlf-rеѕресt encompasses rеѕресt not just оf uѕ, but also оf оthеrѕ. In truth bу rеѕресting оur fellow humаnѕ we саn lеаrn tо respect ourselves more. When we hаvе ѕеlf-rеѕресt, wе love ourselves but dо nоt become аrrоgаnt оr сосkу. "A реrѕоn grоwing in ѕеlf-rеѕресt undеrѕtаndѕ thаt hе is аn imреrfесt bеing whо was givеn thе gift оf life in оrdеr to serve." “A book is the only place that makes to imagine. Learn to read one will be forever free.” - Zayd Haji. VISIT AUTHOR PAGE www.alzaydcorp.com
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