» FREQUENTLY ASKED QUESTIONS

The Anfiqu team meets on alternate Fridays to consider requests for financial assistance. Each application is reviewed collectively, taking into account the applicant's circumstances, the purpose of the request, the information provided, and the funds currently available. Where funds are limited, some applications may be deferred until further funds become available.

Where assistance is provided as a Qard (Interest-free loan), the team also considers whether the amount requested is affordable and whether there is a reasonable expectation that it can be repaid. This assessment is not intended to judge a person's wealth or financial standing. Rather, it is a means of fulfilling the Islamic principles of trust (amanah) and responsible stewardship by safeguarding the charitable fund so that it can continue to benefit others in need. Repayment of a Qard enables the same funds to be recycled to support future applicants and is therefore an important part of preserving this communal trust.

A representative may meet with the applicant to discuss their circumstances and, where appropriate, request further information to help the team reach a fair and informed decision. A reference and recommendation from the applicant's Imam or another trusted community representative will also be taken into consideration where available.

To support the assessment, applicants may be asked to provide relevant documentation, which may include:

• Recent bank statements (normally covering the last three months).
• Evidence of employment or income, including recent payslips where applicable.
• A current Universal Credit award statement or other benefit entitlement letter.
• For asylum seekers or refugees, relevant Home Office documentation or evidence of support arrangements, where applicable.
• Quotations, invoices, bills, tenancy information, or other documents relating to the purpose of the request.
• Any other information that helps the team understand the applicant's financial circumstances and determine an affordable repayment arrangement where a Qard is requested.

The Anfiqu team aims to treat every application with compassion, fairness, dignity, and confidentiality, while ensuring that charitable funds are administered in accordance with Islamic values and remain available to assist those in need, both now and in the future.

Applicants are expected to provide truthful and accurate information. All documents and declarations submitted must be genuine, complete, and must not be altered, edited, or misleading in any way. The Anfiqu team may request original documents or seek to verify information with the issuing organisation where appropriate.

Any attempt to obtain assistance by providing false information, omitting material facts, or submitting altered or fraudulent documentation will be treated as a serious breach of trust (amanah). Where fraud or deliberate misrepresentation is identified, the application will be declined or any existing support may be withdrawn, access to the Anfiqu fund may be permanently revoked, and the matter may be reported to the relevant authorities where there is evidence of criminal fraud or other unlawful activity.