Housing is one of the basic needs of a human being. Every one of us desires to secure shelter for his family. Unfortunately, for the last three decades, the Muslims in this part of the world have been facing the dilemma: Whether buy a house and indulge into interest or, forget buying a house altogether to avoid the interest. Many of us were led to believe that since we have no alternative, it is all right to pay interest in this part of the world. Yet others, although well settled economically, still hold the view that no matter what, indulging in "Riba" is forbidden by Allah Subhanahu Wa Ta'ala.

While this discussion and debate is still on, some concerned Muslims took this challenge upon themselves to find out if there was an alternative. Alhamdulillah, due to their genuine concern and dedicated efforts, a number of alternative systems were developed and housing projects of various magnitudes were started in different parts of Canada and the U.S. Our project was developed as a financial institution to accommodate a large number of Muslims scattered all over the country. Therefore, in 1980 it was incorporated into

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