Dhaka, Aug. 24 -- It was in a small town outside Khulna that Abdul Karim's life changed. For years, he had run a modest tailoring shop, stitching school uniforms and wedding outfits, barely making ends meet. Every month, the burden of interest on his borrowed capital grew heavier, eating into his earnings and eroding his dreams. One day, a friend introduced him to a Shariah-based savings and financing model.

Unlike the suffocating cycle of interest, this arrangement was based on partnership, shared risk, and mutual growth. Within a year, Karim had repaid his obligations without fear of compounding debt. More importantly, he felt dignity restored: his financial growth was tied not to exploitation, but to fairness.

Karim's story is not un...