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.
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Zayd Haji
Zayd Iqbal Haji (b. 1st February 1998 | 3rd Shawwal 1418 AH | Eid al-Fitr | Mazgaon, Mumbai) is a revivalist voice in ethical finance — born of struggle, built on legacy, and driven by divine trust. His first cry echoed “Allah! Allah!”, a moment his family witnessed in reverence. Adhān was given in his ears, following prophetic tradition, and he was named Zayd — inspired by Zayd ibn Harithah (RA), the only companion mentioned by name in the Qur’an.
Zayd descends from a lineage of integrity and faith.
His great-grandfather, Late Ismail Abbas Haji (d. 1999), was a merchant of trust.
His grandfather, Late Ahmed Haji (1934–2025), was known for discipline and Qur'anic wisdom.
His father, Late Iqbal Ahmed Haji (1965–2020), served 35 years at Alpha Flight Services in Sharjah with humility and excellence.
His maternal grandparents, Late Khayyamudin and Suraiya Mimli, passed on spirituality, service, and sabr.
Zayd’s platform — www.zaydhaji.com — is more than a website. It is a movement: to realign money with morality and root portfolios in La ilaha illAllah. His work stems not from academia alone, but lived experience — especially after losing his father during a financial and emotional low in 2020.
He studied at Kalsekar Polytechnic, earned a BBA from Bharati Vidyapeeth (Pune), followed by a PG in New Age Banking (Imarticus, Mumbai), and an MBA in Finance from NMIMS. Spiritually, he trained at Zad Academy under Shaykh Assim Al Hakeem and holds certifications in Islamic Finance, Behavioral Economics, and Corporate Strategy.
Founder of Islamic Finance Research (IFR) and Islamic Studies Research (ISR), Zayd’s work blends visual economics, Qur’anic ethics, and spiritual psychology. His Zayd’s Rules series and The Invisible Debt Trap – Volume 01 confront the hidden injustices of interest-based finance. Volume 02 expands further — exposing the satanic architecture of modern economics.
Zayd doesn’t call himself a scholar. He calls himself a student — of finance, truth, psychology, and the Divine. His goal: to revive ethical wealth with Islamic intelligence.
“This is not a brand. It’s barakah. Not content — but calling.”
Since 2017. For the Ummah. Until the Last Day.
