Some Muslims believe insurance is unnecessary, as society should help its victims. Ínsurance'. however, need not be a commercial venture. In its purest sense, it is assistance with the adverse effects of inevitable afflictions, an arragement beneficial to all. Schemes to ensure the livehoods of traders and communities have been in existence for millenia. Commercial insurance, on the other hand, was invented ostensibly for the same ends but with the chief beneficiaties being the shareholders and directors, Among the countless revelations Islam passed on, two prohibitions, namely riba (usury) and ghara(risk), have been used by legislators as grounds for the prohibition of insurance. Islam is not againt making money, and there is no inherent conflict between the material and the spiritual. Islamic law allows ijtehad (initiative) to the benefit of people as long as there is no harm to other people. Muslims can no longer ignore the fact that they live, trade and communicate with open global systems, and they can no longer ignore the need for bangking and insurance. there is no prohibition in Islamic law againts bangking or insurance; similarly, Muslims can create insurance schemes that use their faith as the immutable basis for a working model.

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