Welcome to the American Fiqh Academy

Thorough academic research on a single topic usually takes a few months before a resolution is passed and posted on the site.  Please subscribe to our mailing list and follow us on social media for alerts on new resolutions.  Topics for research are selected by the American Fiqh Academy members, and we do not answer general questions from the community.  Please contact your local scholars for personal questions.

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Latest Resolutions

Sponsored Life Insurance
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This resolution declares that employer-sponsored life insurance does not meet the definition of impermissible insurance contracts and, instead, falls within the ruling of a gift.  Employers rarely make these payments from their own accounts, but almost always contract with life insurance providers.  This resolution studies whether the Sharia laws of financial transactions apply to non-Muslim dealings among each other in non-Muslim lands.

Prepaid College Tuition Plans
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The interest-based student debt crisis exceeds $1.4 trillion and impacts 44 million people in the US, including Muslims.  A prepaid tuition plan lets an individual purchase units or credits, at current prices, for a beneficiary’s education in the future.  This resolution analyzes such plans, along with its Sharia compliance, concluding that these are permissible forward service (ijarah mudafah) contracts.

Gold Nisab for Zakat
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This resolution states that the nisab of money must be set against the nisab of gold, as opposed to silver, in order to accomplish the zakat principle of maximizing benefit for the poor.  Although the jurists instructed to use the lower of the two nisab based on their intent to maximize the benefit for the poor, this resolution argues that one does not find that benefit in the low nisab value of silver given its devaluation, along with increased living and udhiyyah costs.