These days many Non-Resident Pakistanis are flocking to the Roshan Digital Account and specially the so called Islamic Naya Pakistan Certificate as they do not find any halal investment opportunity abroad. But before you do that be careful and read everything to be sure. Ask these questions if you attend any seminar or webinar.
1. How can government guarantee almost a fixed return which is first sign of Riba.as profit and loss sharing can never be fixed ask anyone who has done business.
2. Irrespective of the agreement of Sukuk or Ijarah or whatever you call them ask exactly where will your money be invested exactly and how the profit will be earned as government does not do any business and they are seeking the money for their budget deficit financing.
We have the right and duty to ask the question to make sure that the Islamic banks and shariah compliant mutual funds or stock market brokers are not giving the Islamic spin to the same old stuff done by conventional banks based clearly on Riba. Do not get confused but Terminologies such as Sukuk, Modarabah, Rab ul Maal, Murabaha etc. and always ask direct question before you put your halal earning to contaminate with Riba.
This is your duty and your heart will tell you what is right and what is wrong after full investigation into these matters.
