Category Archives: Community Involvement / Social Issues

A pioneering effort to translate the holy book of Islam into Tamil in full

Attur (Salem) / Karaikal / Chennai , TAMIL NADU :

On February 19, 1926, A.K. Abdul Hameed Baqavi started off on a journey that would take him over two decades to complete. His translation of The Quran, which is written in classical Arabic and organised in 114 chapters, took time. But the elegant style of the work, published in 1949, has made it one of the most enduring versions.

Painstaking work: The Tamil translation of The Quran by Islamic scholar and freedom fighter A.K. Abdul Hameed. | Photo Credit: M. MOORTHY

On February 19, 1926, Tamil Islamic scholar and freedom fighter A.K. Abdul Hameed Baqavi (1876-1955) embarked on a literary journey that would take him over two decades to complete. His chosen subject: translation of the meaning of The Quran from Arabic into Tamil.

Abdul Hameed was not the first; nor was he the last to attempt the Tamil translation. But his effort, published as Tarjumat-ul-Quran bi Altaf-ilbayan (Translation of the Quran with a Glorious Exposition) in 1949, was the first complete translation of the Islamic holy book into Tamil. The Quran, written in classical Arabic, is believed by Muslims to have been revealed by God to Prophet Muhammad through the Angel Gabriel over 23 years. It is organised in 114 chapters, known as surah.

Despite the presence of a sizeable Muslim population in southern India, The Quran was translated into Tamil quite late, at least a thousand years after Islam came to the region, mostly due to opposition from the ulema or scholars of the day on account of fears that a Tamil version might be wrongly considered a substitute for the original. Ironically, it is the ulema who later entered the field of translation.

Hybrid language

The earliest translations were done in the 17th Century, in Arabu-Tamil, a hybrid language that used a modified Arabic alphabet to express ideas in Tamil. Scholars began attempting fragmentary Tamil translations (of selected sentences or verses) in the 19th Century. Abdul Hameed Baqavi’s effort was noteworthy because it made Quranic study more accessible to both lay and scholarly readers. That is probably why it has been reprinted innumerable times, despite the presence of at least 17 complete Tamil translations done by other scholars after its publication.

‘Baqavi’ is the title given to students of Madrasa Al-Baqiyat-us-Salihat, a well-regarded Islamic college in Vellore established in 1857.

Abdul Hameed was born at Attur, Salem, and showed an early interest in writing on religious subjects.

The founders of Jamal Mohamed College in Tiruchi played a key role in getting Abdul Hameed’s translation project off the ground, funding the publication of the first volume, a copy of which is available at the college’s Centre for Islamic Tamil Cultural Research. “I began the translation project on February 19, 1926, after the Friday (Juma) prayers at the bungalow of Janab Khan Sahib and N.M. Khaja Mian Rowther in Tiruchi. It has been three years since I started it,” he writes in the foreword to the first volume of the translation, published in 1929. “If the first section can take me three years, readers may have to wait longer (at least 89 years) for each of the remaining 29 sections to be completed,” he adds. Imported printing equipment was commissioned by college founder M.J. Jamal Mohamed. The press, Islamiya Nool Prasura Sangam, at Palakkarai published the first volume, priced at ₹2.

Decades of work

It is a mystery as to why the translation that began in Tiruchi with much fanfare petered out after 1929. A. Nihamathullah, retired professor of English at Sadakatullah Appa College in Tirunelveli, who has done a comparative study of 12 Tamil Quran translations (including the Abdul Hameed version) for his doctorate, said a lack of documents in the public domain had added to the blind spot.

“In 1938, scholar Abdul Qadar Hazrat introduced Abdul Hameed Baqavi to Nawab Naseer Yaar Jung Bahadur, the father-in-law of the Nizam of Hyderabad. On the recommendation of the Nawab, the translation of The Quran resumed, with financial backing from the Nizam,” Mr. Nihamathullah told The Hindu. An office was set up for the project in Karaikal and the work was eventually completed in 1942. In order to get the Ulema’s approval, Baqavi approached his Vellore alma mater to constitute a panel of theologians to check the manuscript.

In the later stages, he was helped by his son, Indian Union Muslim League leader and Tamil writer A. K. A. Abdul Samad (1926-1999). However, it took five more years for Abdul Hameed to secure funding for printing. A contribution of ₹50,000 by Ceylon-based businessman Nagore Meera Mohamed Haniffa helped to publish the two-volume translation in 1949. As the project expanded, the printing unit was shifted from Karaikal to Chennai.

A winning combination

German scholar Torsten Tschacher, a Heisenberg Fellow of the German Research Foundation (DFG) and Tamil lecturer at the University of Heidelberg, said in an email interview that the popularity of Abdul Hameed Baqavi’s translation owes much to its presentation.

“It did not have any readings of The Quran that would have made the translation appear sectarian. The fact that [Abdul Hameed] Baqavi avoided giving too much of commentary, along with the translation, may have helped in this regard,” he said. “While the style may appear somewhat clumsy and old-fashioned, I think he hit the right spot between the exact translation and the quality of language. It was also important because it made The Quran finally accessible to non-Muslims who had not been able to read the earlier translations that used the Arabic script and a lot of Arabic vocabulary,” Mr. Tschacher added.

source: http://www.thehindu.com / The Hindu / Home> News> India> Tamil Nadu / by Nahla Nainar / January 03rd, 2025

Faith burns bright at this ancient mosque near Tiruchi’s Fort Station

Tiruchi, TAMIL NADU :

Makkah Masjid is among the oldest Islamic shrines in Tamil Nadu. An inscribed tablet dates the mosque back to the year 116 of the Al-Hijri calendar, corresponding to 734 A.D.

An inscription on the stone structure’s wall (background), dates the building to the Islamic (Hijri) year of 116, corresponding to 734 A.D. | Photo Credit: M. MOORTHY

The family of a cloth merchant has been taking care of the mosque for generations.

Tucked away next to a carpentry workshop on Tiruchi’s Fort Station Road is what is considered to be one of the oldest Islamic places of worship in Tamil Nadu: the Makkah Masjid that dates back to the year 116 of the Al-Hijri calendar, corresponding to 734 A.D.

A view of the prayer hall of Makkah Masjid in Fort Station Road, Tiruchi. It is considered to be among the oldest Islamic shrines in the country. | Photo Credit: M. MOORTHY

The family of M.G.A.R. Abdul Rahman, a cloth merchant in Tiruchi, has been taking care of the property for several generations.

The mosque’s age is validated by an inscribed stone tablet in Arabic above the ‘mihrab’ (the niche that indicates the ‘qibla’ or direction of prayer). The graves of Mohamed Ibrahim, Hazrat Haji Abdullah, Hazrat Haji Mohamed Anwar, Ahmed Kabir, and Tahira Biwi, thought to be pious Muslims of yore, are also to be found here. Two recently added minarets indicate the mosque’s presence in this quiet part of town.

Surrounded by thorny bushes

“Until the 1980s, the mosque was very different from what you see today,” A.R. Mohamed Ghouse, hereditary trustee, and one of Mr. Rahman’s 12 children, told The Hindu. “When my father was bequeathed this shrine, it was surrounded by thorny bushes and palm trees. There was no road access; people would walk single-file on a narrow pathway to reach the premises. Since this is a low-lying area, the building would be flooded during the rainy season. Before we got electricity connection in the 1980s, the place used to be lit up with oil lamps and hurricane lanterns. We have been maintaining the buildings with the help of generous donors from all faiths,” he said.

The Muslim community has had a long and harmonious presence in Tiruchi since ancient times. The Makkah Masjid is a stone’s throw away from Hazrat Thable Alam Badhusa Nathervali Dargah, the mausoleum dedicated to a nobleman of Turkish-Syrian lineage born as Sultan Mutahirruddin in 927 A.D., in Suharwardy, near Samarkand, who gave up his privileged life to spread the message of Islam in southern Asia. It is said the saint stayed on the Makkah Masjid premises before he settled in the present site.

Mosques endowed by the erstwhile Nawabs of Arcot are also an indelible part of Tiruchi’s landscape. Woraiyur, the capital of the Chola dynasty from the 2nd Century (now a suburb of Tiruchi), was already known to Arab traders. After the birth of Islam, Arab-Muslim missionaries began travelling to the region. Biographies of Muslim saints and the local traditions of the period reveal that Islam spread in the southern part of India in a largely peaceful and voluntary manner.

According to J. Raja Mohamad, historian and former curator of Pudukottai Government Museum, the Makkah Masjid could have been built for the Muslim settlement that emerged in the Tamil hinterland during the Pallava rule. “When I visited the mosque in the 1970s, it was hard to spot because of the overgrown bushes. It resembled a small ‘mandapam’ (hall), built in granite, with six Dravidian style pillars that are square at the base, octagonal in the middle, and square again. The ceiling was also made of granite slabs. Though it has become more modernised now, the trustees have retained most of the old building,” he said.

While Dravidian-style granite mosques are present elsewhere in Tamil Nadu, the Makkah Masjid may be the only shrine with a contemporary dated inscription in the State as well as in southern peninsular India, he added.

Caliphs named in inscription

In his 2004 book, Islamic Architecture in Tamil Nadu, supported by the Nehru Trust for Indian Collections at Victoria and Albert Museum, London, Mr. Mohamad writes, “According to the Arabic inscription in the rectangular granite slab above the ‘mihrab’, this mosque was built by one Mohamed Ibn Hameed Ibn Abdullah in Hijri 116 corresponding to 734 AD. The names of the four Caliphs (successors to Prophet Muhammad) — Abu Bakr, Umar, Uthman, and Ali — are also mentioned in the inscription, which has been accepted by scholars as belonging to the 8th Century AD.”

Maintaining the mosque has been a labour of love for the family trustees. “The prayers have never stopped in the Makkah Masjid even though we do not have a ‘mohalla’ (a neighbourhood congregation).

Approximately, 200 people attend the Friday prayers,” said A.R. Abdul Razak, 74, the eldest son of Rahman and the imam (who leads prayers) for the past 39 years.

The annual ‘Urs’ (festival) commemorating Mohamed Ibrahim and Tahira Bibi on the 28th day of the Islamic month of Rajab (now in its 1,329th year) at the dargah on the mosque’s campus is supported by people of many faiths, who donate generously towards the public feast.

Mr. Razak gave up his job as a ship cook in Switzerland in deference to his ailing father’s wish to officiate as the chief cleric of the mosque. “I underwent training in Quranic recitation and Islamic theology from scholars in Tiruchi before taking up this position,” he said.

An antique copy of The Holy Quran is among the oldest artefacts in the mosque.

To prevent flooding, the ground level was raised with truckloads of mud after road access was granted by Southern Railway in the 1980s. As a result, five of the eight steps of the prayer hall are now permanently below the ground. Several coats of whitewash were scrubbed away to reveal the original granite walls and inscriptions. Some of the stonework also contains fragments of Tamil writing from the 10th Century. “We have tried to maintain the premises to the best of our ability. We hope succeeding generations of our family will continue to take care of the Makkah Masjid,” said Mr. Ghouse.

source: http://www.thehindu.com / The Hindu / Home> News> India> Tamil Nadu / by Nahla Nainar / June 28th, 2024

Mangaluru: Former Deputy Mayor Mohammed Kunjathbail dies of heart attack

Mangaluru, KARNATAKA :

Mohammed Kunjathbail

Mangaluru: 

Former Deputy Mayor of the Mangaluru City Corporation (MCC) Mohammed Kunjathbail, known for his contributions as social activist, died following a heart attack on Saturday morning. He was 60.

His body is kept at his house in Kunjathbail for people to pay respects.

Kunjathbail, who was a bachelor, had been elected to the Corporation three times and was an active member of the Dakshina Kannada District Congress Committee. He had also contributed to the works of the All India Beary Sahitya Parishat.

Muneer Katipalla, social activist and convener of the Toll Gate Virodhi Horata Samithi, expressed shock and sorrow at the demise of Kunjathbail. “The Samiti has lost a prominent leader with the untimely death of Kunjathbail, who always worked for the welfare of the people. He also remained untainted till the end, given that he never faced any corruption charges,” Katipalla said.

source: http://www.english.varthabharati.in / Vartha Bharati / Home> Karavali / by Vartha Bharati / March 08th, 2025

Prof. Tamkin Khan Represents India at ISA-WHO Parent Roundtable on Stillbirth Bereavement Care in Colombo

Aligarh, UTTAR PRADESH :

Prof. Tamkin Khan delivering the lecture at the programme on Roundtable on Stillbirth Bereavement Care at Colombo, Sri Lanka

Aligarh:

Prof. Tamkin Khan, faculty member at the Department of Obstetrics and Gynecology, J.N. Medical College, Aligarh Muslim University, and Founder Secretary of the Stillbirth Society of India, attended the Parent Roundtable Session at the 19th Annual Conference of the International Stillbirth Alliance (ISA) in Colombo.

The session, organised by the International Stillbirth Alliance and supported by the World Health Organisation (WHO), brought together experts from India, Indonesia, Singapore, Sri Lanka, South Africa, and the USA to discuss advancements in stillbirth bereavement care.

Moderated by Theresa Shaver (USAID), the discussion focused on the importance of compassionate support for grieving families and the need for collaborative global efforts to improve bereavement care practices. Prof. Khan shared insights on bereavement care and highlighted the role of healthcare providers in offering emotional and psychological support to families coping with stillbirth.

As part of her participation, she also presented two scientific papers on stillbirths, contributing valuable research to the ongoing discourse on maternal and infant health.

Prof. Khan described the opportunity as an honour, emphasising the significance of working alongside global experts to enhance care for families experiencing pregnancy loss.

source: http://www.radiancenews.com / Radiance News / Home> Focus> Report / by Radiance News Bureau / March 07th, 2025

Karnataka Brothers Honored with President’s Award

Vijayapura / Bengaluru , KARNATAKA :

Bengaluru: 

In a historic moment, Hamza Hussain and Altaf Hussain, two brothers serving in Karnataka’s law enforcement, have been honored with the President’s Award for Meritorious Service on India’s 76th Republic Day.

Hamza Hussain, Superintendent of Police (S.P.) Commandant, 12th Battalion, KSRP, Tumkur, has been recognized for his leadership in critical police operations and public safety. His brother, Altaf Hussain, Assistant Sub-Inspector (ASI) at Wilson Garden Police Station, Bangalore, has played a vital role in crime prevention and community policing.

The award, one of the highest honors in Indian law enforcement, acknowledges their dedication, integrity, and commitment to justice. Their achievement is a proud moment for Karnataka and the nation, inspiring future generations of police officers.

The brothers expressed their gratitude, stating, “This award is a tribute to all officers who tirelessly serve the nation. We dedicate it to our department, colleagues, and family for their unwavering support.”

Their recognition on Republic Day underscores their exceptional service in upholding law and order, marking a milestone in Karnataka’s police history.

source: http://www.islamicvoice.com / Islamic Voice / Home> Cover Story / Vol. 37-03, No. 448 March 2025

Syedullah Nongrum: Khasi Muslim leader works for unity of people in Meghalaya

Shillong, MEGHALAYA :

Syedullah Nongrum speaking at a function

In the heart of Meghalaya, where Christianity is deeply woven into the cultural fabric, Syedullah Nongrum stands as a prominent figure, embracing both his Khasi and Muslim identities.

As the General Secretary of the Shillong Muslim Union (SMU) for the past three decades, Nongrum has played a pivotal role in safeguarding and uplifting the Muslim community while fostering interfaith harmony.

Founded in 1905, the Shillong Muslim Union (SMU) holds a legacy older than the All India Muslim League, which was established a year later in 1906. The union has had a long history of leadership, with none other than India’s former President, Fakhruddin Ali Ahmed, serving as its first president in 1964.

Madina Mosque, Shillong, Meghalaya

“I had extensive discussions with the former President Fakhruddin Ali Ahmed about the welfare of the Muslim community in Meghalaya,” Nongrum recalls. Determined to revive the organization, his first step was to set up a dedicated office in Shillong. Over the years, he has worked relentlessly to protect and enhance SMU’s assets, ensuring its service to all communities, irrespective of caste, creed, or religion.

When Nongrum took over in 1982, SMU’s properties were in disarray, and opportunists had begun to take advantage of the situation. “The guest house and orphanage were dilapidated, and the Idgah ground was in terrible shape,” he says.

Determined to transform these neglected assets into centers of growth and learning, Nongrum spearheaded the construction of Madina Masjid, the only glass mosque in India.

This magnificent structure in Shillong is not just a place of worship, it also has an Islamic learning center; houses a school for underprivileged children, and a higher education college with modern facilities in science, arts, and technology.

Syedullah Nongrum (third from left) with former Nagaland Governor RN Ravi (second from right)

Beyond Shillong, SMU has successfully sponsored four other mosques and multiple graveyards in different districts of Meghalaya.

Nongrum, son of Subartan Bibi Nongrum and Late S.K. Abdullah, hails from the state’s oldest Khasi-Muslim family. The son of Late Subartan Bibi Nongrum and Late S.K. Abdullah, he holds a unique place in Meghalaya’s political landscape.

He is the only tribal Muslim to have been elected to the Meghalaya State Assembly, representing Rajabala constituency since 1993. He has served as a cabinet minister, advocating for the rights and development of his people.

A painting of President APJ Abdul Kalam inside the Madina mosque library

His contributions extend to education. He played a crucial role in establishing Umshyrpi College which has over 3,500 students. “We ensure that education reaches the underprivileged, regardless of their community or background,” he emphasizes.

For Nongrum, SMU is not just an institution for Muslims—it is a platform for all communities. His vision transcends religious boundaries, as reflected in his role as a founder member of the Shillong All Faith Forum, a collective that promotes communal harmony and mutual understanding among different religious groups.

“We follow the traditions of the land. As an obedient Khasi Muslim, I am committed to carrying forward the good work for the betterment of Meghalaya,” Nongrum asserts.

His journey is a testament to resilience, leadership, and inclusivity. In a region where identities are often defined by religion and ethnicity, Syedullah Nongrum has emerged as a bridge between communities rooted in their respective cultures.

(The writer is an independent journalist based in North East India)

source: http://www.awazthevoice.in / Awaz, The Voice / Home> Story / by Jhumur Deb, Shillong / Februarty 26th, 2025

‘Sahebaan’ UAE to hold ‘Family get-together’ in Dubai on February 15; achievers to be honored

Dakshina Kannada & Udupi, KARNATAKA / U.A.E :

Dubai: 

A ‘family get-together’ will be organized at Al Qusais Amity School in Dubai on Saturday, February 15, under the auspices of the UAE ‘Sahebaan’ community.

‘Sahebaan’ is an Urdu-speaking Muslim community from Dakshina Kannada and Udupi.

This ‘Family Get-Together’ will be held from 4 PM to 11 PM, and several programs will take place during this time, said program organizer and patron H.M. Afroz Assadi.

He stated that a felicitation program will be held to recognize children studying in the UAE who have scored more than 90% marks, as well as those who have achieved success in sports.

The chief guests of the event will be ‘Sahebaan’ community leaders, businessman and Hidayat Group President Hidayatullah Abbas, non-resident businessman, Philanthropist and owner of Nash Engineering Company in Dubai K.S. Nisar Ahmed, along with several other dignitaries.

source: http://www.english.varthabharati.in / Vartha Bharati / Home> Gulf / by Vartha Bharati / February 12th, 2025

Bidar: Former legislative council member Qazi Arshad Ali passes away

Bidar, KARNATAKA :

Former member of the Legislative Council and editor of the Hindi newspaper Bidar Ki Awaaz and the Urdu newspaper Surkh Zameen, Qazi Arshad Ali

Bidar: 

Former member of the Legislative Council and editor of the Hindi newspaper Bidar Ki Awaaz and the Urdu newspaper Surkh Zameen, Qazi Arshad Ali (75), passed away on Monday, March 3, due to a heart attack.

He is survived by his wife, son, and three daughters.

Qazi Arshad Ali had served two terms as a Legislative Council member and had also held positions as Chairman of the Bidar Urban Development Authority and President of the Congress district unit.

Political leaders, journalists, and residents of Bidar have expressed their deep condolences on his demise.

source: http://www.english.varthabharati.in / Vartha Bharati / Home> Karnataka / by Vartha Bharati / March 03rd, 2025

BIE Nurturing Champions and Stars of Future: JIH VP

GOA :

Margao:

The Board of Innovative Education (BIE), Goa, successfully organised a state-level mega sports festival at the Raia panchayat grounds, Salcete on December 29-30.

Praising the efforts of BIE, Vice-President of Jamaat-e-Islami Hind, S Ameenul Hasan said that BIE is nurturing champions and stars of the future not just in the community but also the State and the nation. Through various activities and unique annual events, BIE has been showing the path for community’s unified efforts in development of the children.

He advised the parents to promote the talents in their children in order to ensure overall development of their personality. Sports is one of the many facets of human activity.

“Islam promotes physical fitness and sports. The Prophet Muhammad ﷺ is the best example for the humanity and he encouraged not just men and children but also women. He himself competed with his wife in running races,” Hasan added.

The two-day sporting event witnessed more than 1,000 participants varying between the age of 5-14 years compete in 15 different sports.

The concluding ceremony was graced by numerous Muslim political leaders, social workers, sports personalities and Ulama (Islamic scholars), who adorned the dais. A large number of parents attended the ceremony to witness their children receiving medals, trophies, mementos and certificates.

BIE Chairman and JIH Goa President Asif Hussain appealed to the parents to ensure that their children are nurtured to become responsible citizens and leaders for the Goan society.

Chief Organiser of the Mega Sports Festival, Meenaz Banu informed that BIE Goa operates through nine branches across the State where weekend classes for the overall development of children are conducted every Sunday.

One of the striking highlights of the event was that nine separate tents for boys and nine for girls were set up for participants representing the nine BIE centres. These tents served as areas for students to strategize, discuss, rest, and have their meals.

During the closing ceremony, 55 Muslim athletes from the State who have competed at state, national, and international levels and received accolades for Goa were felicitated. Children as little as 4 years, differently-abled, to adults who have been coaching students to excel in sports were among those who received special appreciation mementos. The sports personalities came from various sports including swimming, karate, kickboxing taekwondo boxing, cricket, squash, etc.

Earlier, on Sunday, December 29, Maulana Ibrahim, community leader and businessman from Margao was the chief guest. He expressed joy on seeing Raia sports ground filled with little children all set to enthral parents and audience. He said that such sporting events are the need of the day to showcase the talents that Muslims behold.

Asif Abbas Ahmed, President of the Thai Boxing Association, Goa made a special mention and encouraged the girls for their participation wearing hijab. He said that beyond the misrepresentation of oppression, girls participating in the sports festival in hijab have sent across a resounding message of modesty in sportswear.

BIE launched its organisational anthem during the closing ceremony.

source: http://www.radiancenews.com / Radiance News / Home> Latest News> Sports / by Radiance News / January 02nd, 2025

Delhi’s Sahyog Credit Co-Op Society Celebrates 1st Year, Transforming Lives with Interest-Free Micro-Financing for Daily Wagers, Small Businesses, Shopkeepers

NEW DELHI :

Member of Parliament Tariq Anwar speaking at the first year celebration of Sahyog credit co-operative society in Abul Fazal Enclave, Jamia Nagar, on February 23, 2025.

New Delhi :

Delhi’s Jamia Nagar-based Sahyog Credit Cooperative Society Ltd celebrated its first anniversary on Sunday, offering a comprehensive range of services, including Daily Deposit Accounts where daily wage earners and small businesses can deposit a minimum of Rs. 100 daily at their doorsteps, and providing interest-free loans and financial assistance ranging from Rs. 50,000 to Rs. 2 lakh under various personal consumption, consumer, and commercial loan schemes.

Sahyog is working under the nationwide Sahulat Microfinance Society, a game-changing initiative in the interest-free finance sector that operates in 13 states and has 130 branches serving 3.5 lakh members across the country.

Its first annual programme was held at Milli Model School in Okhla, New Delhi, with Congress MP Tariq Anwar speaking as the chief guest and attended by various local dignitaries and prominent personalities.

Sahulat’s Groundbreaking Work in Microfinance: A Beacon of Hope for Low-Income Families

Speaking at the event, Usama Khan, CEO of Sahulat Microfinance Society, highlighted the organization’s 14-year history of providing interest-free microfinance services across India. He shared that Sahulat currently has 63 registered interest-free credit cooperative societies affiliated with it, operating 121 branches across 13 states. These branches serve nearly 3.5 lakh members, with the number steadily increasing.

Usama further detailed its impressive figures, including annual deposits of approximately Rs. 1460 crores and annual loan disbursements of around Rs. 625 crores, both of which are doubling every year.

Emphasizing that Sahyog’s success is built on the strong foundation of Sahulat’s 14 years of experience, Usama said, “Sahyog’s journey is not just one year; it is backed by the proven track record of Sahulat’s nationwide operations.”

“Credit cooperative societies worldwide are supply-side models,” Usama said. “Similarly, Sahulat-affiliated societies help low-income individuals save a small portion of their income, whether from daily wages, small businesses, or other livelihoods, which, over time, can accumulate and be used for essential needs.”

Assuring the audience, Usama stressed that the foundations of Sahyog and other affiliated societies are robust, adhering to both Indian regulations and international microfinance standards. He also praised Sahyog’s office bearers, including President Shamsuz Zoha and Vice President, as trustworthy persons.

Defining Sahyog,  Usama Khan explained that the society is registered under the Delhi Cooperative Societies Act as a credit cooperative society. It offers thrift schemes to its members, mobilizes deposits, and provides interest-free loans and financial assistance of up to Rs. 50,000 to meet the various consumption and business needs of small-income individuals in the Jamia Nagar locality, regardless of caste, class, or religion. Usama highlighted that Sahyog primarily serves small-scale businessmen and low-income people in areas such as Zakir Nagar, Batla House, Abul Fazal, Okhla Vihar, and Shaheen Bagh.

Usama further detailed Sahyog’s services, including the Daily Deposits Account. This initiative allows daily depositors, such as daily wage earners, shopkeepers, street vendors, and auto and cab drivers, to make deposits without leaving their workplaces or shops. Sahyog’s staff collects deposits directly from members’ homes, doorsteps, shops, or other locations, starting with a minimum of Rs. 100. Under this scheme, daily wage earners and small shop owners can deposit a minimum of Rs. 100 daily at their doorsteps.  The service also provides e-receipts (via SMS) and passbooks for members.

For salaried individuals, working women, and both skilled and unskilled professionals, Sahyog offers a Saving Account with a minimum deposit of Rs. 200. This account is designed to cater to their future needs and is supported by deposit collection both in the field and at the branch office.

Micro Finance institution Backed by Strong Islamic Interest-free norms

Speaking about Sahyog’s interest-free loan offerings, Usama Khan outlined three types of loan schemes: Demand Loan, Consumer Murabaha Financing, and Commercial Murabaha Financing. He explained that the Demand Loan is specifically designed for consumption purposes, such as personal use, with a maximum tenure of 12 to 18 months. Under this scheme, Sahyog charges no interest or profit, not even based on depositor profits or institutional standards. Instead, the society only applies a minimal surcharge of 1-2%, covering the actual costs of office maintenance, such as doorstep collections, record keeping, and expenses related to core banking software and office staff.

Usama emphasized that Sahyog, as a non-banking institution, operates with core banking software to ensure transparency and efficiency in its operations.

Addressing concerns regarding the minimal surcharge being equated with interest, Usama firmly stated that all of Sahyog’s schemes strictly adhere to Islamic teachings, reinforcing the society’s commitment to providing interest-free financial services.

Usama made a heartfelt appeal to marginalized and low-income people, encouraging them to save and invest in the scheme to meet their daily needs. He also urged the affluent members of society to contribute resources and support this initiative to uplift those in need.

Sahyog: Expansion Plans and Promising Future

In a conversation with Indiatomorrow.net, Sahyog Vice President Abdul Mannan clarified that the society does not charge interest or fixed percentage fees on loans. Instead, it only recovers the actual costs associated with services like doorstep collections, office maintenance, and software upkeep. These costs are minimal, typically ranging from Rs. 500 to Rs. 2,000 per loan of 20-50 thousand. He also shared that Sahyog’s Jamia Nagar branch has been operating smoothly, with 750 members joining within its first year. The members have shown great cooperation, with loan repayments being made responsibly. Abdul Mannan revealed plans to expand Sahyog’s branches in different areas of Delhi and aimed to increase the membership to 1,000 by 2025.

Regarding the Consumer Murabaha Financing scheme, Abdul Mannan explained that it allows Sahyog to provide durable products to members for consumption. The loan repayment period ranges from 3 to 18 months, with amounts between Rs. 10,000 and Rs. 1 lakh. For example, if a member wants to purchase a refrigerator priced at Rs. 20,000, Sahyog buys the refrigerator at that price, and then negotiates a one-time profit share with the seller. The member then repays the exact Rs. 20,000 in easy instalments. Abdul Mannan emphasized that this profit is in compliance with Islamic teachings.

Abdul Mannan also introduced the upcoming Commercial Murabaha Financing scheme, which will provide commercial products to members. Loans for these products will range from Rs. 10,000 to Rs. 2 lakh. Members can also invest in one-time shares up to Rs. 50,000 and make time-bound savings of up to Rs. 1 lakh.

Moreover, the Sahyog official mentioned the Haj and Umrah Account, which allows individuals planning to undertake the sacred pilgrimage to open an account with a minimum deposit of Rs. 200 per day or Rs. 5,000 per month. The term period for this account can range from 1 to 5 years, depending on the member’s needs.

Lauding Sahulat and Sahyog’s services for their focus on human care and the empowerment of low-income individuals, MP Tariq Anwar praised the society’s constructive work, highlighting its crucial impact on society. He commended the society’s interest-free loan schemes and financing programmes as a significant and commendable effort to assist those in need.

The MP said, “India is still not a developed country. We are still struggling to reach that goal. Even after 75 years of independence, our dream of a developed nation remains distant. It is a sad fact that around 90% of the population in this country is either poor or below the poverty line. Nearly 80 crore people depend on government rations or food.”

Urging people to work together and support initiatives like Sahyog to help elevate the country from poverty, Tariq Anwar emphasized the importance of cooperation. He reminded the audience that the cooperative movement in India began even before independence and has since become an integral part of the nation’s structure, with cooperatives playing key roles in different sectors including agriculture.

Lauding the progress of Sahulat and Sahyog, Prof. D.K. Dhusia, Head of the Department of Commerce and Business Studies at Jamia Millia Islamia, stated that microfinance is synonymous with empowerment. He emphasized that microfinance is particularly beneficial for small-scale businesses, noting that these cooperative societies operate interest-free, in alignment with Islamic banking principles that also function on a zero-interest basis. He highlighted that microfinance societies play a vital role in empowering low-income groups within society.

During the event, Dr. Majid Ahmed Talikoti, a renowned surgeon and chairman of the 600-bed Medicant Hospital and Research Centre in Bokaro, Jharkhand, made a significant announcement. He pledged to offer free OPD treatments to all members of Sahyog and provided a 50% discount on cancer treatments. Dr. Talikoti also committed to extending full support and assistance to Sahyog’s members at his hospital.

source: http://www.indiatomorrow.net / India Tomorrow / Home> Economy / by Anwarulhaq Baig / February 24th, 2025