Every subscription is reviewed and approved by Drake Financial Ltd., a registered exempt market dealer — independently of Tawakkul. Why that matters
Community partnerships
You bring the land. We bring the capital, and the people who have done this before.
Tawakkul exists to put capital behind community projects at a scale that has not been available to Canadian Muslim institutions before. Not a donation drive and not a loan — institutional capital, institutional rigour and execution, brought to the organisations that have served these communities for decades. Everything is Shariah-compliant, at every level of the structure.
What we bringCapital at scaleThe kind of cheque that turns a plan on a wall into a building, and a partner who has raised and deployed it before.
And with itInstitutional rigourFeasibility, zoning, municipal process and construction — with a trustee, an auditor and a registered dealer standing behind every dollar.
What we askThe land, if you have itOwned land, air rights, a parking lot, a site your organisation has been sitting on for years.
No land? Telephone us anyway. Plenty of organisations have the community and the need without the site. That is a harder problem, not an impossible one, and we would rather hear it and try than have you assume the answer is no. 905 949 9119.
How we measure a return
We are impact investors, and profit is one of two numbers we watch. The other is what the community actually gets — homes its own members can afford, an institution that survives because its congregation still lives nearby, and a place that is still there in forty years. A project that pays well and hollows out the community around it is a project we have got wrong.
Why we do this
Whoever helps a good thing happen has a share in it.
That principle is the reason this exists, and it is not decoration. The people who fund a good work, the people who carry it out and the community it serves each hold a share of it — and none of those shares is taken from anyone else's.
Whoever provides for a fasting person to break his fast has the like of his reward — without that diminishing anything from the reward of the one who fasted.
Jāmiʿ al-Tirmidhī 807, Book of Fasting. Graded ṣaḥīḥ.
Read the second half of it again, because that is the part that matters. The one who provided does not take a share from the one who fasted. Two full rewards exist where there was one. That is the shape we want this to have: the institution does not give up anything for the capital that arrives, and the capital does not take its share out of the community's.
الدَّالُّ عَلَى الْخَيْرِ كَفَاعِلِهِ
The one who guides to good is like the one who does it.
Sunan Abī Dāwūd 5129, Book of Manners, chapter on the one who guides to good; and Jāmiʿ al-Tirmidhī 2670, Book of Knowledge.
Most Canadian Muslim institutions have been carrying their communities on volunteer effort and Friday appeals for forty years. We are not the ones who built them. What we can do is put institutional capital and execution behind what those people already made, so that a plan on a wall becomes a building — and take a share in that.
One distinction we are not going to blur, because a scholar would object and would be right. Sadaqah is wealth given for Allah's sake with nothing expected back in this world. A subscription for units of this Trust is not that: you part with capital and receive units, and you may earn a profit or lose the lot. It is a muʿāmalah — a lawful commercial contract — and calling it sadaqah would be flattery, not fiqh. What is true is that a lawful transaction undertaken to a good end is rewarded according to the intention behind it, and that housing your community without riba is a good end. If you want the reward that belongs to sadaqah specifically, then give — directly to the institution, expecting nothing back. That is a different act, and the two are not in competition.
These narrations are quoted as the manager's own motive. They are not a ruling on the offering. The ruling on this structure is the written Fatwa of the Islamic Finance Advisory Board dated 6 November 2025, published in full, and the Board — not this page — is the authority on whether it is permissible.
Two separate things, and they should not be confused
Your organisation as a project partnerWe work with you to develop housing anchored to your institution — the Al Andalus model. Your congregation stays in the neighbourhood it built.
Your organisation as an investorA charity, foundation or non-profit corporation can subscribe in its own right, under an exemption available only to non-individuals, with a minimum of $150,000 and no annual ceiling.
What a partnership involves
A conversation firstWhat your community needs, what land or air rights exist, and whether housing anchored to your institution is realistic.
FeasibilitySite, zoning, municipal appetite and cost. Most ideas stop here, and it is better that they stop early.
Your own project pageAn indexable page for your project, which you can send to your own congregation and use in your own communications.
AttributionWe track which subscriptions came through your organisation, and you see it.
Questions
Can our charity invest its reserves?
Potentially. Non-individuals subscribe under the minimum amount exemption, at $150,000 or more, with no annual limit. Your board should take its own advice on whether an illiquid holding suits your reserve policy — redemption takes 30 to 60 days and carries a fee before five years.
Does partnering commit us to investing?
No. The two are entirely separate. Many partner organisations do not invest at all.
Who owns the housing?
The limited partnerships in which the Trust invests. Your organisation is the anchor and the community, not the owner, unless a separate arrangement is negotiated and documented.
What does it cost us?
Nothing to explore. Any development arrangement is negotiated, documented and reviewed by your own counsel before anything is signed.
Start with a conversation.
Tell us about your organisation and what your community needs.
This call explains the Trust and helps with the paperwork. It is not advice — whether an investment suits you is assessed by Drake Financial Ltd., a registered exempt market dealer, independently of Tawakkul.
One email a month.
What is being built, what is opening, and what we are learning about halal investing in Canada. No selling, and one click to stop.
May we measure how people find this site?Nothing that identifies you is collected without your consent, and the site works the same either way.What we would collect