Joe Bradford

Debt vs. Partnership vs. Revenue Sharing: Which One is Best for My Business?

The mantra of Islamic Finance has been “Islamic Finance prefers partnership over debt.” Hammering this idea into the minds of the masses has resulted in many people using less than optimal structures for their business needs. At times its better to finance through debt, at times through partnership, and at times through revenue sharing. In this short article, I discuss a few of the pros and cons of each and when to use them.

Do Less; Earn More – A Non-Profit Example

Working with a non-profit client this morning, we reviewed their giving policy and services. Because previously the org tried to do *everything* for everyone, they essentially limited the funding they could secure. Why? Because it was that much harder to define exactly what they do and who they serve. Mission creep is a huge issue in non-profits. The assumption is that by doing less you somehow are less. That can’t be further from the truth. Do less, be more, and earn more. It’s all possible.

2018 Year in Review – Community Activities Report

Last December I decided to go on a social media hiatus, allowing myself time to reevaluate my priorities and focus on self-care. Looking back, what I found was that 2018 was a year of both growth & loss, a year of challenge & improvement. By taking time away and allowing myself the ability to look inward, I was able to re-calibrate my mental and emotional state, my physical well-being, and my spiritual health.

A Note on Addiction and Desire – Adapted from Ibn al-Qayyim’s Rawdat al-Muhibbin

Is desire bad? Much like expressing one’s anger, desire is not praiseworthy at all times, nor is it blameworthy. Excessive anger is blameworthy, as is excessive desire. How do we define excess in these situations? Excess is when their expression goes beyond what benefits or what fails to prevent harm. Despite there being acceptable expressions of desire, we find almost universal condemnation of it in religious texts. Why?