Haryana Vote Scam Allegations 2025: Rahul Gandhi’s 25 Lakh Fake Votes Exposed | Election Fraud Explained | Zayd Haji
Explore the detailed allegations raised by Rahul Gandhi regarding the 2025 Haryana elections, where he claims 2.5 million fake votes undermined democracy. This investigation breaks down critical facts, including duplicate voters (521,000), invalid addresses (93,174), bulk registrations (1.9 million), and striking examples like the Brazilian model’s photo appearing multiple times. Understand the systemic failures, election commission’s contested role, and the broader implications for India's democratic process. Stay engaged as we dissect the evidence, numbers, and political dynamics shaping these explosive claims. This analysis is essential for anyone invested in electoral transparency, voter rights, and the future of Indian democracy. Join the discussion and empower yourself with facts you deserve to know.
GST 2.0 Explained | GST Reform 2025 | New GST Rate on Bike, Cars & Essentials | GST Price Drop List | GST on Grocery | Amul New GST Rates | GST New Slab 2025 | After GST Bike & Scooty Price in India
Explore the impact of GST 2.0 reforms on India’s economy in 2025 with Zayd Haji. From essential goods like soaps, toothpaste, groceries, and packaged foods to high-value items such as cars, motorcycles, and electronics, we break down how the new GST slabs affect consumption, affordability, and the middle-class financial burden. Learn how the 5% and 18% slabs aim to provide relief for daily essentials while luxury and sin goods see a sharp increase to 40%, raising questions about fairness, equity, and real economic growth.
In this detailed episode, we analyze:
The gross domestic product of India reflects the strength of India and economy, showing how India’s economy and the national economy of India adapt to gst reform and new tax rates. With new income tax slab, new tax regime slabs, new regime tax slab, and the new tax slab replacing old regime tax slab and old tax regime slab, citizens track latest tax slab, recent tax slab, tax new slab, and tax slab new regime. India economy in trillion and India per person income link with gst 2.0, gst on bike, new gst rate, and gst explained, shaping growth.
We also discuss the structural challenges:
Stagnant entry-level salaries in IT and private sectors versus rising executive pay.
Impact of layered taxation on disposable income and consumption.
How countries like UAE and Saudi Arabia stimulate growth with no personal income tax.
The role of moderate inflation and fiscal debt in India’s economic stability.
From Infosys fresher salaries to household affordability, from luxury car taxation to sin goods, GST 2.0 promises relief, but does it translate into real economic growth? We explore the contradictions, the wins, and the limitations, backed by statistics, CPI data, and government insights.
Additionally, the episode ties economic fairness with Islamic principles of justice, Zakāh, and ethical wealth distribution, emphasizing how equitable policies and fair wages could transform society, uplift the middle class, and stimulate sustainable growth.
REFERENCES:
India Debt 2025
India’s total public debt is projected to reach ₹196.78 lakh crore by March 2026, highlighting rising fiscal pressures.
Source: Government of India – Ministry of Finance, 2025
Link: https://drive.google.com/file/d/1Om0ZhxoWK3b9tmLpJSiHFxB3r_98HpEH/view?usp=drive_link
India GDP 2025
India’s GDP is expected to grow at 7.8% in Q1 of 2025-26, reflecting continued economic recovery.
Source: Ministry of Statistics and Programme Implementation, 2025
Link: https://drive.google.com/file/d/1JWmwbf6nPzEt8ZIvg9yDHw58sBUnJxzE/view?usp=drive_link
India GST 2.0 2025
GST 2.0 reforms simplify taxation with 5% and 18% slabs while maintaining higher levies on luxury and sin goods.
Source: GST Council, Government of India, 2025
Link: https://drive.google.com/file/d/1XjIEPoFL_wCtIY_BNWo3BdFI_KqEXhkV/view?usp=drive_link
India GST Doubts 2025
Clarifications on GST 2.0 cover time of supply, invoicing, and input tax credit protections for businesses.
Source: Central Board of Indirect Taxes and Customs (CBIC), 2025
Link: https://drive.google.com/file/d/14ik5HKKXcDbUAytf7d1lKiZtaQGrtDp1/view?usp=drive_link
India Inflation 2025
Consumer Price Index (CPI) inflation for India remains low at 1.55% in 2025, with rural and urban food inflation negative.
Source: Ministry of Statistics and Programme Implementation (CPI Data), 2025
Link: https://drive.google.com/file/d/1dsiDTzXsUSzPIvZe6WyqgYdAsvriXW30/view?usp=drive_link
India Tax Collection 2025
India collected over ₹27.02 lakh crore in taxes during FY 2024-25, nearly doubling collections in five years.
Source: Ministry of Finance – Tax Department, 2025
Link: https://drive.google.com/file/d/1TKIBzISziZYy5WWnS1fh4XDF0zZ1SM1Q/view?usp=drive_link
Atul Limited SWOT Analysis, Financial Data, and Competitive Business Case Study are explored in depth by Zayd Haji under IFR. This research combines Industry Analysis, Market Research Reports, Governance insights, Risk Assessment, and Fundamental Research to reveal Atul’s true business position.
Reports & Resources
ABB India Ltd PDF – Leading player in power, automation, and industrial technology solutions.
Aegis Logistics Ltd PDF – Key logistics company specializing in liquid terminal and gas distribution.
Amara Raja Energy & Mobility Ltd PDF – Prominent energy solutions provider known for automotive and industrial batteries.
Atul Limited PDF – Diversified chemical company with global presence across life sciences and performance chemicals.
Bombay Dyeing PDF – Renowned textiles and real estate company with a strong legacy in India.
Atul Limited, one of India’s most respected and diversified chemical companies, stands as a compelling case of how business governance, financial data analysis, and industry research combine to create long-term value. In this video, we deliver a comprehensive SWOT analysis, detailed fundamental analysis, and a strategic business case study of Atul Limited. This exploration is part of the Company Research series by Zayd Haji, where we decode the numbers, strategies, and governance structures behind leading corporations.
Our research is built on primary research, secondary research, and competitive intelligence, with insights drawn from annual reports, financial statements, economic surveys, and trusted analytical platforms. By applying proven research and methodology, we bring clarity to Atul Limited’s financial health, competitive position, and future growth prospects.
SWOT Analysis: Strengths, weaknesses, opportunities, and threats shaping Atul Limited’s operations.
Analyzing Financial Data: Revenue, profits, margins, return ratios, and time series analysis of trends.
Competitive Analysis: How Atul Limited positions itself against global and domestic competitors.
Competitor Research and Analysis: Benchmarking strategies against peers for realistic comparison.
Fundamental Analysis: Assessing intrinsic value through balance sheets, income statements, and cash flow.
Company Governance and Business Governance: Examining structure, ethical practices, and leadership decisions.
Industry Analysis: Broader view of the chemical sector in India and internationally.
Market Research Reports: Integrating forecasts and data-driven insights from industry reports.
Founded in 1947, Atul Limited has built a wide legacy with over 900 products and 400 formulations serving nearly 4,000 customers across 30 industries. Its presence spans more than 80 countries, covering life sciences, performance chemicals, adhesives, coatings, and crop protection solutions. With strong research and development capabilities, the company has delivered innovations such as patented formulations and sustainable chemistry practices, ensuring relevance in both domestic and international markets.
Yet challenges remain. Cyclical demand in textiles and agriculture, rising environmental compliance costs, and global competition test its resilience. Through business research, we analyze how these risks influence profitability, return on capital employed, and long-term sustainability.
This case study is designed for students, investors, researchers, and professionals who seek a structured understanding of how companies grow in competitive markets. It goes beyond surface-level summaries to reveal governance, innovation, and resilience as cornerstones of Atul’s journey.
This video is part of Zayd Haji’s Company Research Playlist, crafted to enhance financial literacy through in-depth business research, market research reports, and fundamental analysis. Join us as we uncover Atul Limited’s story—where opportunities drive growth and challenges shape strength.
Investors seeking top stock research in the global share market and international share market often rely on insights from business research, market research companies, and market research groups to track leading stock market companies. Detailed company analysis and market analysis help in analyzing financial data, identifying opportunities in BSE listed companies, and evaluating movements in the BSE India share price, BSE Limited share price, and BSE Ltd share price. Tracking global market indices and the global stock index alongside performance of BSE India Limited, BSE Limited, and BSE Ltd share provides clarity on trends. For those evaluating the best shares to buy now, research-driven strategies ensure stronger investment decisions in dynamic markets.
Bombay Dyeing and Manufacturing Company Ltd (NSE: BOMDYEING, BSE: 500020) is one of India’s oldest and most recognized names in the textile and real estate sector, with a legacy that now positions it as a diversified business player. For investors and researchers in the global share market and international share market, the company provides a case study of transformation, financial restructuring, and asset monetisation.
Currently, the company operates across three primary segments: Polyester Staple Fibre (PSF), Real Estate Development, and Retail Textiles. The polyester division remains the largest contributor, accounting for nearly 88% of revenues in FY25, making Bombay Dyeing one of the top seven PSF producers in India, holding around a 12% market share. Its products include a wide range of virgin polyester fibres and PET chips, with applications across industries.
The real estate business has seen significant traction, particularly with landmark projects like the Island City Centre (ICC) Towers in Dadar, Mumbai. The company also monetised prime land at Worli through strategic divestments to global players like Sumitomo Realty, which allowed Bombay Dyeing to eliminate its multi-year debt burden. Today, it stands debt-free, a rare position among BSE listed companies in the textile and real estate sectors.
On the retail side, the company continues to build its legacy brand through 350+ exclusive stores and 2,000+ multi-brand outlets across India, offering premium home furnishings, linens, towels, and apparel. Despite retail contributing a smaller share to total revenues, its wide consumer footprint reinforces brand strength.
From a financial research perspective, the company’s story is less about consistent revenue growth and more about strategic asset monetisation. In FY24, Bombay Dyeing reported a net profit of ₹2,949 Cr, primarily driven by land sales and other income rather than core operations. This highlights a unique angle for stock market companies analysis—while operational margins remain weak, the company’s ability to unlock value from its land bank and investments keeps investor interest alive.
For those tracking BSE India share price, BSE Limited share price, and BSE Ltd share performance, Bombay Dyeing represents a “special situation” stock rather than a compounding growth story. Investors evaluating the best shares to buy now must note that the company’s returns are event-driven, highly dependent on timing of land sales, regulatory approvals, and successful execution of large real estate projects.
In the broader global stock index and global market indices context, Bombay Dyeing is not a dominant international player but offers insights into how legacy Indian businesses reinvent themselves through asset restructuring. For market research companies and market research groups, the company is a valuable subject for analyzing financial data, studying turnaround strategies, and benchmarking real estate monetisation plays in emerging markets.
The key positives include a debt-free balance sheet, strong liquidity buffer from asset sales, and prime land parcels in Mumbai that could drive future cash flows.
Top stock research plays a critical role in helping investors navigate the global share market and international share market by providing actionable business research and insights from leading market research companies and market research groups. Whether you’re evaluating stock market companies or conducting a detailed company analysis for long-term investing, a thorough market analysis is essential. Investors often monitor the BSE India share price, BSE Limited share price, and BSE Ltd share price to track performance across global market indices and the global stock index. Listed on BSE India Limited, BSE Limited, and tracked as a BSE Ltd share, Amara Raja Energy & Mobility Ltd is among the most consistently performing BSE listed companies, attracting the attention of those analyzing financial data for both domestic and global share market performance.
Business research reports highlight its strong fundamentals, placing it alongside other leading stock market companies. As market research companies and market research groups continue to provide updated company analysis and market analysis, investors looking for the best shares to buy now are increasingly comparing opportunities in India with S&P 500 companies, using the same disciplined framework of analyzing financial data, evaluating market trends, and tracking global market indices to identify high-potential investments.
Amara Raja Energy & Mobility Ltd stands out in the global share market and international share market as one of India’s most resilient energy and battery companies. This business research and company analysis highlights how it emerged as a competitive force recognized by top stock research and market research companies. Listed on BSE India Limited and NSE, Amara Raja has built a strong presence across global market indices and global stock index discussions.
Since 1997, Amara Raja has built robust manufacturing capacity and exports to over 50 countries. Its network of 100,000+ points of sale positions it among leading BSE listed companies and stock market companies. Revenue rose from Rupees 2,959 crore in 2013 to Rupees 11,260 crore in 2024, while Net Profit grew from Rupees 287 crore to Rupees 906 crore. EPS increased from Rupees 16.79 to Rupees 49.49. Analysts monitoring BSE Limited share price note strong Return on Capital Employed.
The termination of its agreement with Johnson Controls and the consolidation of promoter holdings triggered a strategic shift, enabling rapid expansion into international share markets. Its 16 Gigawatt-hour Giga factory and full ownership of Amara Raja Power Systems Ltd underline its move into energy transition. New lithium-ion cell development and EV charging solutions strengthen its position among top stock research and market research groups.
In FY25, sales reached Rupees 12,405 crore with Operating Profit of Rupees 1,634 crore (O.P.M. 13%). The Trailing Twelve Months (TTM) reported revenue of Rupees 12,624 crore and Net Profit of Rupees 913 crore. Backward integration into battery packaging and lead recycling puts the company at the centre of global share market and international share market discussions.
Amara Raja’s strengths include leadership in the lead-acid battery market, long-term OEM partnerships, and a growing footprint in energy storage. Its capital strategy balances dividend payouts with reinvestment, supporting sustained growth observed in global stock index tracking.
By targeting a 16% market share by 2030 and investing in Giga factories and digital platforms, Amara Raja demonstrates disciplined financial management and innovation. Market research companies and market research groups continue to monitor Amara Raja as part of their global market indices studies. Its consistent BSE India share price performance and disciplined market analysis make it attractive for investors seeking best shares to buy now. Global share market analysts highlight company analysis.
India’s latest RBI Currency in Circulation data offers a powerful signal for the global market, highlighting how inflation is quietly reshaping monetary behaviour and impacting key indexes such as the Nifty 50, Sensex today, and even global benchmarks like the S&P 500. When viewed through the lens of modern monetary theory, the rapid rise of the digital rupee becomes more than a policy update — it reflects a new phase in monetary policy and fiscal policy that is already influencing stock market sentiment and economic activity both domestically and internationally. As home loan interest rates adjust in response to rising inflation rate pressures, investors across the share market, forex trading, and foreign exchange market are beginning to reconsider their exposure to long-term debt in anticipation of potential economic recession. At the same time, short-term liquidity trends are driving increased volatility in the us market and forex factory indicators linked to global trade. By understanding how the RBI’s decisions flow through the broader market, investors gain critical insight into coming cycles of economic growth, potential recessions, and currency movements that directly influence the forex and stock market environment.
In this episode, Zayd Haji uncovers how subtle changes in India’s currency circulation reveal powerful signals about inflation rate, monetary policy, economic growth and the broader global market landscape. You will learn why the Rupees 500 note now dominates cash transactions, why the Rupees 2,000 note is disappearing, and how the introduction of the e-Rupee marks the next phase of economic activity in India.
The Invisible Debt Trap series by Zayd Iqbal Haji reveals how interest-based systems enslave nations, destroy families, and erode your wealth.
Volume 01 : How Interest-Based Systems Enslave Nations, Destroy Families, and Defy God: Exposing Riba, Reviving Justice
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_01_How_In?id=jcFqEQAAQBAJ
Volume 02 : Is Your Wealth Really Yours — Are You Financing Your Own Destruction?: How Riba, Debt, and Modern Banking Are Destroying Your Wealth — Are You In It Too?
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_02_Is_You?id=FsVqEQAAQBAJ
These trends are directly tied to rising inflation and new forms of monetary policy that resemble concepts found in modern monetary theory. As digital finance becomes the new default, the way money circulates within the domestic market, the forex market and the global trade system is quietly being rewritten. The episode goes on to explore how this concentration of currency value connects to the long-term credit cycle, short-term debt cycle and liquidity patterns.
You will gain a practical understanding of how government fiscal policy and central bank actions influence everything from forex trading and home loan interest rates to corporate earnings in the stock market and movements in the international foreign exchange market. Zayd explains how inflation rate pressures ripple through the economy and eventually impact consumer spending, economic activity levels, and even long-term investment decisions in the global market.
This episode also shows that economic growth and recessions are not random — they follow predictable cycles based on debt accumulation, spending behaviour and monetary stimulus. When borrowing expands, asset prices in the stock market and share market tend to rise; when debt burdens reach their peak, economic recession becomes unavoidable, leading to declines in the forex factory of global trade and contraction in the foreign exchange market.
But this is not just a discussion of economic data. Zayd Haji connects the insights to timeless Islamic principles, emphasising the importance of transparency, justice, ethical monetary policy and the avoidance of riba in times of rising inflation and digital transformation.
Global Economic Outlook 2025: IMF Report Explained | Economic Growth, Inflation Rate, Monetary-Fiscal Policy, US Market Impact, Stock Market Risks Global Trade Recession Signals | IFR ISLAMIC FINANCE
The global market is entering a critical phase where indicators across the nifty 50, sensex today, and the S&P 500 are signalling increased volatility, forcing investors to reassess the foundations of modern monetary theory and its impact on monetary policy, fiscal policy and long-term economic growth. As the US market faces rising home loan interest rates and the broader stock market & share market react to shifting conditions in global trade, traders are closely watching the foreign exchange market, forex factory updates, and adapting their forex trading strategies to account for downturns in economic activity, a rising inflation rate, and growing risks of economic recession and regional recessions.
In this episode, Zayd Haji breaks down the IMF World Economic Outlook (July 2025) in simple, practical language and connects it directly to the global market, your household expenses, & the wider economic activity that affects jobs, trade, and everyday prices.
The Invisible Debt Trap series by Zayd Iqbal Haji reveals how interest-based systems enslave nations, destroy families, and erode your wealth.
Volume 01 : How Interest-Based Systems Enslave Nations, Destroy Families, and Defy God: Exposing Riba, Reviving Justice
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_01_How_In?id=jcFqEQAAQBAJ
Volume 02 : Is Your Wealth Really Yours — Are You Financing Your Own Destruction?: How Riba, Debt, and Modern Banking Are Destroying Your Wealth — Are You In It Too?
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_02_Is_You?id=FsVqEQAAQBAJ
The report shows that while the global market is still moving forward, the momentum is slowing. Economic growth is projected at 3.0% in 2025 and 3.1% in 2026, which is lower than pre-pandemic levels and below the 2024 numbers. Advanced economies like the US market, Euro Area, Japan, and Canada are losing steam. Their economic growth is falling toward 1–2% levels, driven not by healthy demand, but by temporary front-loaded spending designed to beat future tariff increases.
Why does this matter to ordinary people and small businesses?
Because slow economic activity in the US market and global trade environment leads to falling demand in other countries. That can pull down stock market performance, push inflation upward, and force governments to adopt tighter monetary policy and fiscal policy. The impact hits directly:
Higher inflation rates → higher cost of food, fuel, and basic goods
Tight monetary policy → higher home loan interest rates
Fragile stock market and foreign exchange market → lower investment returns and increased volatility
Declining global trade → fewer export opportunities and rising risk of economic recession
The IMF warns that much of today’s economic activity is being supported by early buying and emergency stimulus — essentially using tomorrow’s resources to stabilise today’s global market. That means the risk of recessions in the next cycle is real.
From a faith perspective, this raises a deeper point: temporary comfort can create long-term instability if the underlying system is unjust. The global system is running on borrowed strength. If nations continue to avoid real reform and ignore the principles of fairness, balance and cooperation, then inflation, market volatility and potential economic recession will become unavoidable.
This discussion links the IMF’s technical data to the stock market, foreign exchange market, global trade, and every individual’s economic reality. Whether you follow the nifty 50, the sensex, the S&P 500, or simply worry about your next grocery trip, this episode shows why economic growth, monetary policy, fiscal policy, and global trade are no longer distant topics — they shape your life.
In today’s increasingly unstable financial landscape, Islamic finance has emerged as a powerful alternative to the conventional debt-driven model. Unlike traditional banking systems that rely on interest and speculative growth, Islamic banking and Sharia-compliant finance are grounded in justice, transparency, and shared responsibility. Institutions such as Abu Dhabi Islamic Bank (ADIB), Abu Dhabi Islamic Bank PJSC, & the Islamic Development Bank operate within a framework of Islamic banking and finance, offering ethical products such as Islamic bank loans without interest, Islamic finance loans, sharia loans, and halal financing to both individuals and businesses.
The Invisible Debt Trap series by Zayd Iqbal Haji reveals how interest-based systems enslave nations, destroy families, and erode your wealth.
Volume 01 – How Interest-Based Systems Enslave Nations, Destroy Families, and Defy God: Exposing Riba, Reviving Justice
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_01_How_In?id=jcFqEQAAQBAJ
Volume 02 – Is Your Wealth Really Yours — Are You Financing Your Own Destruction?: How Riba, Debt, and Modern Banking Are Destroying Your Wealth — Are You In It Too?
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_02_Is_You?id=FsVqEQAAQBAJ
At the core of the modern Islamic banking system are three powerful pillars: Musharakah, Mudharabah, and Murabahah. These models replace the conventional interest-based approach with asset-backed transactions and profit-and-loss sharing. In Musharakah, both the bank and the customer contribute capital and become equal partners. Profits are shared according to a pre-agreed ratio, and any losses are shared in proportion to the initial contribution. This allows Muslim bank customers and financial institutions to build real, productive value instead of generating income through interest. It is a foundational model for Islamic business investments and forms the basis of many Islamic share market operations.
Mudharabah introduces a partnership between capital and expertise. In this model, the financier provides the capital while the entrepreneur manages the project. Profits are shared fairly, and financial losses are borne solely by the capital owner, making it a deeply ethical and responsible form of sharia finance. This method is widely used by Muslim banks and sharia banking systems to fund startups and support small businesses that lack access to conventional loans.
Murabahah, on the other hand, is one of the most practical and widely used tools in sharia compliant banking. Instead of charging interest, the bank purchases an asset—such as a property, vehicle, or equipment—and sells it to the customer at a pre-agreed profit. The customer then pays the amount in fixed installments. This interest-free approach to funding is why Islamic loans without interest and Muslim bank loans offered by institutions like Abu Dhabi Islamic Bank ADIB are becoming increasingly popular around the world. Murabahah guarantees full transparency, eliminates hidden fees, and ensures that the bank’s profit is tied to the real value of the asset.
Across the global Islamic banking system, these three models allow sharia compliant banks to offer Islamic loan systems that are ethical, sustainable, and socially responsible. They reduce inequality, stabilize economies, & promote long-term growth supported by tangible assets. As more people become aware of the dangers of conventional interest-based finance, the demand for Islamic loan without interest, sharia funding, and Islamic development bank support continues to grow.
Whether you are looking for Islamic banking and finance services, exploring Islamic economics, or studying how the Muslim banking system functions, understanding these models—Musharakah, Mudharabah, and Murabahah—will give you the foundation you need to make informed, ethical financial decisions that honour faith and build real wealth.
Step into the hidden machinery of the economy cycle — the recurring rhythm of booms, busts, and renewals that shapes the world economy. This podcast episode brings together the sharp foresight of How Countries Go Broke: The Big Cycle by Ray Dalio and the moral clarity of The Invisible Debt Trap by Zayd Haji, founder of IFR Islamic Finance Research, to explore the powerful yet dangerous forces driving global finance.
The Invisible Debt Trap series by Zayd Iqbal Haji reveals how interest-based systems enslave nations, destroy families, and erode your wealth.
Volume 01 – How Interest-Based Systems Enslave Nations, Destroy Families, and Defy God: Exposing Riba, Reviving Justice
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_01_How_In?id=jcFqEQAAQBAJ
Volume 02 – Is Your Wealth Really Yours — Are You Financing Your Own Destruction?: How Riba, Debt, and Modern Banking Are Destroying Your Wealth — Are You In It Too?
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_02_Is_You?id=FsVqEQAAQBAJ
From emerging market debt to sovereign defaults, from stock market highs to global financial crisis, the conversation traces how the business cycle in economics follows a predictable pattern: credit expands, optimism surges, spending rises — until debt outpaces income. Then the downturn begins, a recession sets in, and in some cases, a global economic crisis shakes the foundations of nations.
Ray Dalio’s framework shows how the economic trade cycle operates on both short-term and long-term scales. Short-term credit cycles drive market swings, while long-term debt cycles — spanning decades — determine the fate of empires. At the same time, Zayd Haji uncovers how the debt market, when dominated by Riba (usury), traps individuals and countries alike in an endless loop of obligation — a debt trap that corrodes both economic health and moral integrity.
We revisit critical historical turning points: the Great Depression, Japan’s asset bubble collapse, the 2008 global financial crisis, and the currency shocks that reset monetary policy across the globe. Each moment reveals how flawed systems, left unchecked, can destabilize a mixed economy & ripple through the global market.
Yet, within this cycle lies a choice. Islamic finance principles — grounded in justice, risk-sharing, and real-asset backing — offer a blueprint for sustainable economic development. Instruments like Mudarabah, Musharakah, Waqf, and Zakat turn money from a speculative tool into a means of productive growth. This model not only resists the debt trap but also aligns economic activity with ethical responsibility.
The economic analysis presented here merges historical evidence with moral reasoning, showing that prosperity without justice is fragile. The economic calendar can predict when interest rates will shift or when fiscal tightening may occur, but only moral discipline can prevent cycles from becoming destructive.
We also explore how reserve currency status affects the world economy — granting dominance in the global market but also creating vulnerabilities when political division, declining productivity, and excessive borrowing converge. History warns that no nation escapes the consequences forever.
By the end of this discussion, you’ll see the economy cycle not as an unavoidable force but as a reflection of collective decisions, values, and systems. The path forward demands rethinking debt, reforming monetary policy, and embracing frameworks that prioritize shared prosperity over short-term gain.
Principles By Ray Dalio | Zayd Haji | IFR Islamic Finance Research is your invitation to understand the mechanics of cycles — and to break free from the ones designed to keep you bound.
In this special episode of the IFR – Islamic Finance Research Podcast, part of Zayd’s Rules: Ethical Finance & The Halal Economy, we investigate one of the most serious threats to India’s democracy — allegations of massive voter fraud, systematic vote theft, and manipulation of the Election Commission to favor the ruling party.
The Invisible Debt Trap series by Zayd Iqbal Haji reveals how interest-based systems enslave nations, destroy families, and erode your wealth.
Volume 01 – How Interest-Based Systems Enslave Nations, Destroy Families, and Defy God: Exposing Riba, Reviving Justice
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_01_How_In?id=jcFqEQAAQBAJ
Volume 02 – Is Your Wealth Really Yours — Are You Financing Your Own Destruction?: How Riba, Debt, and Modern Banking Are Destroying Your Wealth — Are You In It Too?
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_02_Is_You?id=FsVqEQAAQBAJ
The controversy has gained nationwide attention after Rahul Gandhi called it “the largest organised voter fraud in independent India.” Reports indicate that in Mahadevapura, over 1 lakh suspicious voters were added — almost matching the BJP’s increase in votes there — with the victory margin nearly equal to these newly added names.
Duplicate voter entries in multiple locations
Voters registered at non-existent addresses
Entire communities — Yadav, Muslim, Dalit — strategically deleted from rolls
A bizarre case of a 124-year-old voter named “Minta Devi,” symbolizing the extent of fake data
Digital voter lists replaced with non-searchable formats, blocking independent verification
The Election Commission refusing to share requested data, citing “no legal obligation”
In states like Bihar, Uttar Pradesh, and West Bengal, large-scale deletion of voters has been reported — often in numbers exceeding the winning margin of seats.
Critics, including political analyst Akash Banerjee of The Deshbhakt, argue that the EC’s lack of transparency and refusal to release verifiable voter data undermines the constitutional right to a fair vote. Opposition leaders claim that these practices amount to the weaponisation of the electoral system, turning it into a tool for political engineering.
Rahul Gandhi has accused the BJP of deliberately targeting voter groups seen as less likely to support them, framing the scandal as not just an election issue but an attack on the “soul of democracy.”
From a governance perspective, these events point to a collapse in Amanah (trust), Hisbah (accountability), and Adl (justice). The absence of Bayyinah (clear proof) allows manipulation to go unchecked. The deliberate creation of Gharar (uncertainty) keeps citizens confused and passive. Without Shura (consultation), the people are excluded from decision-making, and La Darar wa la Dirar (no harm) is violated when votes are stolen. This is compounded by Ihtikar (hoarding of power), where political control is concentrated in the hands of a few.
This episode dissects each of these principles and explains how their enforcement could eliminate the possibility of large-scale electoral fraud. It asks the hard questions:
Why is the Election Commission hiding voter data?
How can such fraud take place in the world’s largest democracy without accountability?
What structural reforms are necessary to restore public trust?
Disclaimer: This podcast episode is for educational and academic discussion only. Information presented here is based on publicly available sources, including the public video by Akash Banerjee (The Deshbhakt). The host does not claim to be a legal or election expert.
Keywords: Rahul Gandhi, voter fraud, India election scam, Election Commission, BJP, vote theft, democracy, EC controversy, Mahadevapura voters, 124-year-old voter, fake voters, deleted voters, Akash Banerjee, voter list irregularities, electoral fraud India, BJP vs Congress
In this episode of the Islamic Finance Research (IFR) Podcast, Zayd Haji takes you through a detailed stock market company research and business case study of Aegis Logistics Ltd, one of India’s leading oil, gas, and chemical logistics companies.
Discover the hidden truths behind modern finance.The Invisible Debt Trap series by Zayd Iqbal Haji reveals how interest-based systems enslave nations, destroy families, and erode your wealth.Volume 01 – How Interest-Based Systems Enslave Nations, Destroy Families, and Defy God: Exposing Riba, Reviving Justicehttps://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_01_How_In?id=jcFqEQAAQBAJVolume 02 – Is Your Wealth Really Yours — Are You Financing Your Own Destruction?: How Riba, Debt, and Modern Banking Are Destroying Your Wealth — Are You In It Too?https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_02_Is_You?id=FsVqEQAAQBAJ
We begin with a SWOT analysis to break down the company’s strengths, weaknesses, opportunities, and threats. From industry leadership, loyal clients, and strong company governance to challenges like sales volatility and debt-funded expansion, every angle is explored.
Our fundamental analysis and financial data analysis highlight how Aegis has transformed from a chemical manufacturer in 1956 into a major midstream and downstream energy player — growing from ₹3,981 crore in sales (2013) to ₹7,046 crore in 2024, while profits surged 20x in a decade.
We look at the analyzing financial data process, using both primary research (company annual reports, government data) and secondary research (market research reports, analytical platforms like Screener.in and Ticker Finology). We also apply time series analysis to track long-term trends and profitability, and probabilistic risk assessment to understand potential market and policy risks.
The competitive analysis and competitor research and analysis section explores how Aegis competes in the Indian energy logistics sector. Through competitive intelligence, we see how strategic partnerships with Itochu Corporation and Royal Vopak have positioned the company for capacity expansion, renewable energy opportunities, and stronger business governance practices.
In our industry analysis and market research, we cover the oil and gas logistics landscape in India, the role of infrastructure at ports like Kandla, Mangalore, Pipavav, and JNPT, and how Aegis’s integrated operations give it an edge. We also review the broader sector trends from market research companies and market research reports.
The business research and research and methodology framework used in this case study combines financial statement analysis, strategic milestone tracking, and corporate governance review to present a clear investment narrative — while remaining purely educational, with no stock tips or recommendations.
Whether you are an investor, student, or professional in the energy and logistics space, this episode offers a structured company research approach and a comprehensive business case study.
Disclaimer: The Islamic Finance Research Podcast draws from credible public sources — including Indian Government Budget Reports, RBI publications, company annual reports, and financial analytics platforms — for educational purposes only. We do not offer stock tips, investment advice, or buy/sell recommendations. The IFR Podcast is not SEBI-registered and is independently produced by students and researchers.
Keywords: Stock market company research, Business case study, SWOT analysis, Fundamental analysis, Financial data analysis, Analyzing financial data, Competitive analysis, Competitor research and analysis, Competitive intelligence, Industry analysis, Market research reports, Market research companies, Market research, Primary research, Secondary research, Business research, Company governance, Business governance, Zayd Haji, Zayd Al Haji, Haji Zayd
Welcome to the Islamic Finance Research (IFR) Podcast, where we examine modern economic realities through the lens of ethical, Shariah-compliant finance. This episode is part of our ongoing series, Zayd’s Rules – Ethical Finance for a Global Audience, hosted by Zayd Haji, a finance student and founder of IFR.
Discover the hidden truths behind modern finance.
The Invisible Debt Trap series by Zayd Iqbal Haji reveals how interest-based systems enslave nations, destroy families, and erode your wealth.
Start with:Volume 01 – How Interest-Based Systems Enslave Nations, Destroy Families, and Defy God: Exposing Riba, Reviving Justice
Read now
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_01_How_In?id=jcFqEQAAQBAJ
Continue with:
Volume 02 – Is Your Wealth Really Yours — Are You Financing Your Own Destruction?: How Riba, Debt, and Modern Banking Are Destroying Your Wealth — Are You In It Too?
Read now
https://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_02_Is_You?id=FsVqEQAAQBAJ
#TheInvisibleDebtTrap #ZaydIqbalHaji #Riba #InterestFreeEconomy #IslamicFinance #DebtTrap
In today’s episode, we dive into a pressing question that affects millions of Indian households:
Are home loans and EMIs financially sustainable—or are they part of a larger debt trap created by interest-based systems?
As property prices rise and inflation squeezes everyday spending, many are turning to long-term home loans to secure a roof over their heads. But with EMIs stretching over 20–30 years and interest payments often exceeding the original loan amount, it’s time to ask: Is there a better way to own a home without drowning in debt?
This episode explores how Islamic banking offers an alternative to conventional home loans. At the core of this approach is the Musharakah model, a profit-and-loss sharing partnership where the bank and the buyer co-own the property. There are no EMIs built on compounding interest. Instead, the customer pays rent on the bank’s share while gradually acquiring full ownership—interest-free.
We compare:
A ₹50 lakh traditional home loan with 8% interest over 20 years (total repayment: ₹90 lakh)
vs.
A Musharakah partnership with no interest, just fair rental compensation for the bank’s share.
This is not just a financial difference—it’s a shift in thinking.
We also touch on:
Why EMIs contribute to rising inflation and personal debt
How Islamic banking avoids riba (interest) and speculative lending
What Islamic Finance Research (IFR) is uncovering about the future of ethical finance in India
The academic and policy relevance of Shariah-compliant models in today’s economy
Zayd Haji shares this exploration not as an expert, but as a student of finance, committed to understanding how real-world financial systems can align with timeless ethical principles. Through IFR, ISR, and IGC, he aims to spark meaningful dialogue that reconnects faith, fairness, and finance.
This episode is especially relevant for anyone struggling with home loan decisions, exploring Islamic banking, or simply curious about how values-based finance could reshape India’s economic landscape.
Keywords Included for Search & Discovery:EMI, home loan, Islamic banking, Islamic Finance Research, IFR podcast, Zayd Haji, Musharakah, Shariah-compliant finance, halal home loan, ethical finance India, interest-free housing, Islamic home financing, debt-free home ownership, EMI burden, Islamic mortgage alternative, Halal finance in India, riba-free banking
🔗 To learn more or explore Zayd Haji’s work and books, visit:
www.zaydhaji.com | www.zaydalhaji.com
Books available on Amazon India, Google Play Books, Kindle, and Flipkart.
India has recorded a remarkable 6.5% GDP growth in 2024–25, making it the fastest-growing major economy in the world—a headline that's grabbing global attention. But as the numbers look bright on paper, there are deeper, more complex questions underneath. Is this growth being driven by real productivity, or is it another step in a long cycle of government borrowing, debt, and interest payments?
Discover the hidden truths behind modern finance.The Invisible Debt Trap series by Zayd Iqbal Haji reveals how interest-based systems enslave nations, destroy families, and erode your wealth.Start with:Volume 01 – How Interest-Based Systems Enslave Nations, Destroy Families, and Defy God: Exposing Riba, Reviving JusticeRead nowhttps://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_01_How_In?id=jcFqEQAAQBAJContinue with:Volume 02 – Is Your Wealth Really Yours — Are You Financing Your Own Destruction?: How Riba, Debt, and Modern Banking Are Destroying Your Wealth — Are You In It Too?Read nowhttps://play.google.com/store/books/details/Zayd_Haji_The_Invisible_Debt_Trap_Volume_02_Is_You?id=FsVqEQAAQBAJ#TheInvisibleDebtTrap #ZaydIqbalHaji #Riba #InterestFreeEconomy #IslamicFinance #DebtTrap
In this episode, I’m Zayd Haji, a finance student—not an economist, not a policymaker—just someone trying to understand the bigger picture behind the numbers. This is not a criticism. This is not advice. This is an academic exploration of what’s really fueling India’s economic surge.
We’ll explore the balance between growth and debt, and ask: If India has so much debt, who is it borrowed from? Are we paying interest with new loans? How long can a nation continue this cycle before it must pivot?
Topics We Cover:
The 6.5% GDP Growth
What does this number actually mean? Is it driven by consumption, exports, or public investment?
Inflation Down to 2.82%
Lowest since 2019—how has the Reserve Bank of India achieved this, and what does it mean for the economy?
Record Exports of $824.9 Billion
FDI and Market Optimism
Debt and Deficits
Interest Payments and Budget Realities
GDP vs Debt: The Long-Term Equation
Key Questions Raised:
Important Disclaimer:
I am Zayd Haji, a student of finance. This podcast is not investment advice, not a policy recommendation, and not a critique of any institution. The insights shared here are based entirely on publicly available data, including RBI reports, government publications, and official statistics.
This episode is for academic and educational purposes only, and is meant to promote financial literacy and discussion—not to direct economic policy or influence public opinion. Please listen with that spirit in mind.
Sources Referenced:
Tags :
India GDP 2025, Indian economy podcast, is India in debt, debt cycle explained, Indian budget analysis, macroeconomics India, RBI inflation policy, finance for students, GDP vs debt India, how nations grow
Explore the groundbreaking series The Invisible Debt Trap by Zayd Iqbal Haji, a bold and eye-opening investigation into how interest-based financial systems have silently taken control of our lives, our wealth, and even our moral compass. In an age where global debt is skyrocketing and financial independence feels increasingly out of reach, this series offers clarity, truth, and a path to justice rooted in ethical and spiritual economics.
Volume 01: How Interest-Based Systems Enslave Nations, Destroy Families, and Defy God: Exposing Riba, Reviving Justice
This first volume dives deep into the mechanics and history of riba (interest) and how it has become a silent but destructive force in modern economies. Haji unveils how the current financial system is designed to favor the elite, create dependency through debt, and perpetuate inequality on a global scale. He traces how nations fall into debt traps and how families are broken under the weight of interest-based loans and mortgages. Drawing from historical evidence, economic data, and religious teachings, this volume is a wake-up call to those who believe the modern banking system is neutral or fair.
Volume 02: Is Your Wealth Really Yours — Are You Financing Your Own Destruction?
In the second volume, the focus shifts to personal finance and how individuals unknowingly participate in their own financial downfall. Are you truly the owner of your wealth, or are you merely a temporary holder of borrowed resources, constantly losing value through interest payments, inflation, and hidden systemic mechanisms?
Zayd Iqbal Haji challenges readers to rethink the meaning of wealth, ownership, and prosperity. He provides insight into how modern banking, loans, and credit systems are strategically constructed to extract wealth, not create it.
This volume doesn't just diagnose the problem — it empowers. Learn how to reclaim your wealth, break free from financial servitude, and build a future based on ethical, interest-free alternatives.
Why These Books Matter Now
As the global economy faces recurring crises, inflation soars, and personal debt becomes a norm, there has never been a more urgent time to ask deeper questions. These books are not just for economists or religious scholars — they are for anyone who wants to live freely, responsibly, and with justice.
Whether you are a student, entrepreneur, parent, policymaker, or just a concerned citizen, The Invisible Debt Trap offers vital knowledge that can change how you see the world and your place in it.
Take Action:
Uncover the truth. Reclaim your freedom. Protect your future.
Read the books now:
The Invisible Debt Trap – Volume 01:
The Invisible Debt Trap – Volume 02:
Keywords:
The Invisible Debt Trap, Zayd Iqbal Haji, Riba, Islamic finance, interest-free economy, debt trap, financial justice, monetary system, banking reform, modern slavery, wealth destruction, financial independence, Islamic economics, anti-interest movement, economic injustice, financial truth, reclaim your wealth, stop riba, halal finance, debt-free living
Hashtags:
#TheInvisibleDebtTrap #ZaydIqbalHaji #Riba #DebtTrap #IslamicFinance #InterestFreeEconomy #FinancialJustice #ReclaimYourWealth #StopRiba #ModernBanking #WealthDestruction #EthicalFinance #MoneySystem #EconomicTruth #HalalFinance #DebtSlavery #GlobalDebtCrisis #PersonalFinanceAwareness #FinancialCorruption #EconomicReform
A Strategic Business Research Case Study in Innovation, Structure, and Growth
In this detailed and research-driven episode of the Zayd’s Rules Podcast, join host Zayd Iqbal Haji—business strategist, ethical finance researcher, and founder of IFR & ISR—as we explore a compelling business case study in India’s corporate landscape: ABB India.
This episode is part of our ongoing series on real-world business research methods, strategic execution, and ethical economic frameworks. Whether you’re a business student seeking strong case studies in business studies, a market analyst exploring growth, or an entrepreneur studying operational models—this episode offers deep insight.
What You’ll Discover:
We trace ABB’s 1988 global merger—between Sweden’s Asea AB and Switzerland’s Brown Boveri—leading to the rise of ABB India, a key listed player on NSE and BSE and a major force in electrification, automation, and robotics.
Using applied business research, we break down ABB India’s strategic business units:
We unpack ABB’s business model:
Learn how ABB India built financial strength through debt-free operations, strong reserves, and high ROCE. These are living examples of business research methodology, where structure meets strategy.
Explore ABB’s national footprint—five manufacturing plants (Vadodara, Faridabad, Peenya, Nelamangala, Nashik), R&D hubs, and 28+ sales offices—showing how infrastructure fuels digital evolution.
We also present a complete SWOT Analysis, examining ABB’s position within renewable energy, railways, logistics, and industrial automation.
This episode illustrates business research types—exploratory, descriptive, analytical—and shows how ABB combines market research company agility with customer research company precision, staying relevant in fast-changing markets.
Why This Episode Matters:
Too many case studies are theoretical and uninspiring. This one is practical and profound. It shows how ABB India not only survived industrial transformation but led it. Perfect for anyone studying business research methods, strategic finance, stakeholder management, or digital industry innovation.
We highlight how ABB India managed innovation, regulatory balance, and stakeholder trust—all essential pillars in business research and corporate case studies. If you’re researching firms like Kantar Group, GE, Siemens, or Honeywell, ABB offers a regional yet globally scalable model.
This episode gives investors, students, and professionals a lens to view strategy, governance, product positioning, and long-term resilience—especially within India’s evolving industrial sector.
business research, business research methods, business research types, market research company, customer research companies, business case case study, case studies in business studies, ABB India, ABB India case analysis, ABB India market research, Kantar Group company, financial case studies, Indian manufacturing case study, corporate case study on ABB
Ready to Learn More?
Listen now to understand how a legacy global brand sustains leadership through ethics, performance, and precision.
Visit www.zaydhaji.com or www.zaydalhaji.com for more case study podcasts, business guides, and Islamic economics resources. Subscribe and share if this episode expanded your view of what real business research can achieve.
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#ISLAMICFINANCERESEARCH Islamic Banking & Finance Explained: Principles, History, and How It Works Welcome to our comprehensive guide on Islamic Banking and Finance, where we dive deep into the unique and ethical world of Sharia-compliant financial systems. In this video, we uncover how Islamic banks operate differently from conventional banks, focusing on ethical principles derived from Islamic law (Sharia) that promote fairness, transparency, and social justice. In today’s financial world, where interest-based lending is the norm, Islamic banks offer an alternative by strictly adhering to principles that prohibit interest (riba) and speculative transactions (gharar). Instead of charging or paying interest, Islamic banks work on profit-and-loss sharing models, asset-based financing, and ethical investment practices. Here’s what you’ll learn in this podcast: What is Islamic Banking? Understand the basics of Islamic banking, its role as a financial intermediary, and its unique approach to deposits, financing, and investments. How Islamic Banks Make Money Without Interest Discover how Islamic banks operate profitably by investing in Sharia-compliant businesses, sharing profits and risks with depositors, and providing financing through methods like Murabaha (cost-plus financing) and Ijara (leasing). Key Principles of Islamic Finance Learn about the core principles that govern Islamic finance, including the prohibition of interest, speculative transactions, and unethical practices. The Role of the Sharia Board Explore how a Sharia board of qualified Islamic scholars ensures that all banking activities comply with Sharia law, performing audits and offering guidance to maintain ethical integrity. The History and Evolution of Islamic Finance Trace the roots of Islamic finance from the time of Prophet Muhammad (peace be upon him) in Mecca and Medina, through its development over centuries, to its modern resurgence as a global financial model. Debt and Speculation in Islamic Banking Understand how Islamic finance views debt as a last resort and avoids speculative financial instruments like options, futures, and hedges, ensuring all transactions are grounded in tangible assets and fairness. This podcast is perfect for: Students: Gain insights into Islamic economics and its relevance in the modern world. Professionals: Explore how ethical finance aligns with sustainability and fairness. Curious Learners: Understand how Islamic banking is different from conventional banking and why it is growing globally. With over 200 Islamic financial institutions worldwide, including Islamic banks, investment companies, and Takaful (Islamic insurance) providers, this system is becoming increasingly significant in today’s global economy. Join us as we demystify Islamic banking and finance and show how it offers a balanced and ethical financial alternative for individuals, businesses, and governments alike. Social Media Accounts of Zayd Haji • Facebook / zaydalhaji • Instagram / zaydalhaji • LinkedIn / zaydalhaji • Twitter / zaydalhaji • YouTube / zaydhaji Zayd Haji https://g.co/kgs/22QUJk Islamic Finance Research Solutions: Economic Research: Visualgraphics | Infographics Industry Research: Visualgraphics | Infographics Company Research: Visualgraphics | Infographics www.zaydhaji.com Islamic Studies Research Solutions: Quranic Studies: Tafsir Analysis | Podcast Hadith Studies: Sahih Bukhari & Sahih Muslim | Podcast Islamic Principles: Visualgraphics | Infographics www.zaydalhaji.com
Welcome to "Islamic Finance Research," your trusted source for insightful explorations into the world of ethical finance. In this podcast, hosted by Zaid Haji, we embark on a journey to unravel the complexities surrounding cryptocurrency within the context of Islamic finance.
Cryptocurrency, often considered a gray area in Islamic finance, sits neither distinctly halal nor haram. Join us as we delve deep into this nuanced discussion, examining the principles of Sharia law and how they intersect with the innovative landscape of digital assets.
Through in-depth analyses, intelligent commentary, and valuable perspectives from seasoned experts, we shed light on the ethical considerations, legal frameworks, and investment strategies associated with cryptocurrency in the Islamic context. From discussions on riba, gharar, and ethical investment practices to interviews with leading scholars and industry professionals, "Islamic Finance Research" equips you with the knowledge and understanding needed to navigate this complex terrain.
Whether you're an investor seeking clarity, a financial enthusiast curious about the intersection of faith and finance, or simply someone interested in ethical innovation, our podcast empowers you to make informed decisions and embrace the principles of Islamic finance in the digital age.
Join us on "Islamic Finance Research" as we chart a path of inclusion, embrace the power of knowledge, and uncover the captivating story of cryptocurrency within the realm of ethical finance. Tune in to gain valuable insights and embark on a journey of exploration and enlightenment with us.
www.ifr.world
"Join Zayd Haji on the Islamic Finance Research podcast, where we explore the world of ethical wealth creation through Halal investment research. Discover the principles of Islamic finance, gain insights into effective money management aligned with Shariah guidelines, and delve into engaging discussions that empower and educate. Tune in to explore the intersection of finance and ethics on our journey to cultivate wealth responsibly."