How Major Consumer Brands Are Recognizing Eid Al-Fitr

Year over Year (YOY), the Muslim market is slowly breaking the doors into the mainstream culture both globally and nationally here in the USA.

As digital media convergences with the rise of the engaged Muslim consumer, brands are increasingly recognizing the need to address and craft campaigns to this emerging market, particularly, during the major holiday of Eid Al-Fitr marking the end of Ramadan.

This year, many major brands took it to social media to show they’re appreciation. Here are some great content examples we’ve curated below!

Consumer Brands Recognizing Eid Al-Fitr

Coca Cola (USA)

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Screen Shot 2015-07-17 at 4.44.57 PMSamsung 

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This last one was a welcome addition. Aside from consumer brands, we also saw the iconic PBS show for kids “Sesame Street” acknowledge the market as well!

Sesame Street Eid Al Fitr










As the Muslim market continues to grow in purchasing power and population, every brand must ask how their marketing budget fits into targeting this niche but necessary audience. Muslim Ad Network’s unparalleled reach to millions of Muslim consumers online can help drive engagement and awareness instantly through targeted advertising.

Contact us today to learn more!

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Talking About Guidance Residential (Part Two)

By Yusuf Talal DeLorenzo

If someone tells you they’re seeking an Islamic loan to buy a house, their intentions are clearly the best, but they have mistaken the nature of Islamic home finance and the way that homes may be purchased in accordance with the Shariah. Guidance Residential

Firstly, as we discussed in our first talk, lending is an act of charity. If someone lends money to another, they do so without expecting a return of anything more than the principal amount and blessings from Allah. To do otherwise would be to pervert the meaning of charity. Moreover, to earn money on money that is loaned, or riba, is something we all know to be haram.

Guidance Residential, like the other providers of Islamic home finance, is a business; and its success in business is what allows it to continue to provide the Muslim community with Shariah-compliant financing for the purchase of homes. But it is not in the business of lending money, so it does not offer ‘Islamic loans.’

Secondly, the ways that homes may be purchased in accordance with Shariah are several; but none of these ways includes the borrowing and lending of money. The best way to purchase a home, for those who can afford it, is to buy it outright. In today’s economies, however, most people are unable to purchase a home by paying the full price in cash. Therefore, they turn to banks and mortgage companies for help. Unfortunately, the business model employed by these is based on the borrower-lender relationship in which the lender profits by receiving riba payments in addition to payments to repay the principal amount. The good news for Muslims is that there is an alternative to that model, one that does not involve the paying or receiving of interest and is compliant with Shariah rules in every respect.

The Shariah compliant models for financing the purchase of a home are several. However, the model best suited for use in the United States, given the legal and regulatory restraints imposed by the government for the protection of the consumer, is the equity-sharing model in which the home buyer aligns with a partner, such that both parties to the purchase provide cash for the outright purchase of the house.

In such an arrangement several factors must be considered. Will the partner agree to allow you, the home buyer, to exercise your own discretion in choosing the house? Or the neighborhood in which it is located? Will the partner agree to allow you, the home buyer, exclusive use of the house? What if your contribution represents ten percent or less of the price of the home? Will your partner agree to forgo his or her majority share and allow you to make those choices? Will your partner agree to allow you to occupy the house without insisting on occupying a part of the house him or herself? Or otherwise put it to use, for storage, for example? In such an arrangement, too, the matter of taxes must be considered, and insurance. Who shall be responsible for these? In what proportion will these be shared? And what if the home increases or decreases in value? Who will own what? In our next Talk we’ll discuss these questions and the answers to them.
The classical works of Islamic law deal in considerable detail with several forms of partnership.

As the dominant business model used by Muslims throughout the centuries, partnership underwent many changes and refinements, all of which allowed it to be adapted for use in a variety of circumstances. In the early days of Islam this model was employed for the success of local merchants and annual trading caravans. Later, modified versions of partnership brought profits to trading guilds whose ships carried on trade in extensive networks across the Arabian sea, south to Zanzibar and as far east as China, and the spice islands of Indonesia and the Philippines.

Today, modern Islamic finance houses, banks and investment banks, pension and mutual funds, and international trading firms transact in a myriad of ways across jurisdictions and continents, using the very same fundamental principles, and following the same Shariah rules, while employing every modern technological development to do so. In recent decades Islamic Finance has gone from a multi-million to a multi-trillion dollar global industry.

The partnership business model employed by Guidance Residential in the United States was derived from the same models described by the classical jurists in their works of fiqh. As societies have continued to grow in complexity, and in the ways they conduct business, so also has Islamic law continued to grow and adapt to the changing world, and particularly in the field of finance and financial services.

In developing its unique home finance program, Guidance Residential turned to a number of experts, beginning with a group of Shariah scholars respected internationally for their experience in the field of modern Islamic finance. These scholars teamed with industry experts and specialized legal firms to develop a program that complies in every way with Shariah norms while satisfying the requirements of local, state and national regulations.

In the Guidance Residential Declining-Balance Co-ownership Program, Guidance Residential assumes the role of an equity partner with you. In this relationship, both you and Guidance Residential will assume several different roles, all of which are designed eventually to make you the sole homeowner of the home you have chosen. In a coming Talk, we will discuss these roles in some detail. Sole ownership is also the goal of a conventional mortgage, but the ways in which sole ownership is achieved differ significantly. At the same time, however, there are many ways in which the Shariah-compliant program for home ownership resembles the conventional program, or mortgage.

The most important thing to remember, however, is that at the most fundamental level one program relies on the lender-borrower relationship while the other is based on a partnership model. If there are similarities in the two programs, these are because both programs are designed to provide the same financial service, and to do so in the same system, and in accordance with the same regulatory requirements and restraints imposed by the government.

For the reasons explained above, if you hear someone attempt to criticize an Islamic home finance program for the reason that it looks and performs just like a mortgage, then you will immediately be able to reply that, no, the two are based on fundamentally different business models, one of which is clearly halal and the other of which is clearly haram. In fact, that the Islamic home finance product appears to be almost the same as the mortgage product is actually a good thing for the consumer. For the County Clerks who record the transactions and deeds, for the judges in courts called upon to determine ownership in legal disputes over property, the similarities in the two programs allow these officials to easily understand the contracts and to equitably assign rights and responsibilities. Generally speaking, criticisms of Islamic financial services and products will not come from people who have studied the subject or researched it. Consider, too, the literally thousands of Muslim families who are pleased with their partnerships with Guidance Residential.

In the next Talk, we will examine some of the details of the partnership model employed in the Guidance Residential Declining-Balance Co-ownership Program. We shall also consider the several different roles of the partners in that program.

“Read the first part of this series” – and link it to the blog.

*Disclaimer: This is a sponsored post

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Pre-purchase Home Inspection – Why You Shouldn’t Avoid It

A pre-purchase home inspection forms an important part of the home buying process. But you would be surprised to know that very few people consider it and fewer get it done. It could be because home inspections are time consuming or because they bump up the budget, marginally. Though forgoing an inspection can cut down costs and fast-tracks the process, one cannot deny the fact that it is essential to ensure a safe home ownership. Let us examine a few important areas covered under a home inspection, and why they are necessary.

Keeping an eye on structural issues: 

The life of a building depends upon its structural rigidity. Over a period of time, unattended weak pillars, roofing or walls could give in to stress and collapse, thereby causing injury or a fatal emergency. What could seem to you as a negligible crack on a wall, can be a potential hazard that could bring the roof down. You can do away with all of that by taking the service of home inspection experts. They can spot defects, find the level of damage and at times, can assess the costs involved in bringing the house back to shape.

Checking for electrical wiring and HVAC systems:

An audit of the electrical and HVAC systems is important to create a safe environment for you and your family. Testing power sockets, wiring safety, circuit breakers (which protect you from electrical accidents), HVAC configuration and potential leak hazard assessments are few of the areas covered under this audit. Besides ensuring safety, this will also help you in managing your energy consumption effectively. And at times, home inspectors can provide you with a basic dos and don’ts on electrical maintenance as well.

Checking for plumbing & fire safety:

From overhead tanks to hand-wash faucets, the home inspector will check for visible cracks, rusts or corrosion. Unattended leakage of water over a period of time could corrode wooden structures and destroy furniture. Besides being an eyesore, damaged wooden flooring or furniture can also cause accidents. With fire safety, inspection helps in taking note of emergency equipment in place. Depending on the size of the house, smoke alarms or fire extinguishers have to be installed. Check with the inspector and be sure that the fire safety equipment conforms to the fire standards of your civic authority.

Identifying unsafe areas of a home:

Besides assessing the aforementioned areas for safety, an inspection will also reveal certain places or parts of the home that are potentially hazardous. These can include loose window panes, slippery stairs, weakened gas lines etc. Overlooking such dangerous components can cost you a lot financially and emotionally in the event of a mishap.

It can be quite tempting to save a little money by opting out of a pre-purchase building inspection. But by spending a few hundred dollars on inspection you can secure the biggest investment of your life in a better way. You might have become emotionally attached to a particular home and would have started dreaming of your future in it. But it is always safer to conduct an inspection and keep yourself clear of any potential emergencies. The feeling of living in your own home is great. But the feeling of owning a home that is safe and sound is even greater.

Guidance Residential offers mortgage financing for Muslims through their Sharia compliant, Declining Balance Co-ownership Program. With a commitment to provide the best quality and by adhering to Sharia principles, we have financed $3.3 billion and have become the #1 U.S. Islamic Home Financing provider. To learn more on why Guidance Residential is the #1 U.S. Islamic Home Financing providerclick here.

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Why is Guidance Residential the #1 U.S. Islamic Home Financing Provider?

For many working Muslim-Americans, home ownership is something beyond the fulfillment of the quintessential American Dream. It is a major financial investment that must resonate with their faith. A company in this space must not only adhere to Islamic financial principles but also apply it in the modern mortgage market. The answer is a Sharia-compliant home financing company—Guidance Residential.

Guidance Residential entered the Islamic home finance space and quickly became the country’s leading provider of Sharia-compliant home financing owing to the below reasons.

Guidance Residential

  • $3.3 billion financed for Muslim-American homeowners
  • Strict Sharia-compliance — Guidance’s operations are purely focused on Sharia-compliant products and services. Guidance is neither a subsidiary nor an operator of a Riba-based banking institution.
  • Independent Sharia board comprised of notable scholarly authority headed by Justice Muhammad Taqi Usmani
  • AMJA endorsement of Guidance’s Declining Balance Co-ownership Program $2 million donated for Muslim-American community initiatives

After three years of development, a multi-million dollar research and development budget, and discussions with 18 law firms, Guidance Financial Group (parent company of Guidance Residential and in turn a subsidiary of Capital Guidance) unveiled the ‘Declining Balance Co-ownership Program’ that provides a fully riba free Sharia-compliant home financing option.

As the #1 U.S. Islamic Home Financing provider, Guidance has financed over $3.3 billion to Muslim-American homeowners. This has been possible mostly because of strict Sharia compliance and the efficacy of an independent Sharia board.

Guidance retains the most authoritative Sharia supervisory board in America and comprises of world-renowned scholars many of whom currently serve or have served on the board of the industry’s leading standard setting body, the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). The Chairman of AAOIFI’s Sharia Board, Justice Muhammad Taqi Usmani, is the long time Chairman of Guidance’s Independent Sharia Board.

More recently, the Assembly of Muslim Jurists of America (AMJA), an advisory group to the Muslim-American public with experts in Islamic jurisprudence, issued a statement of support for Guidance and its program. After a review of all Islamic home financing programs that claim to be Sharia-compliant, AMJA named Guidance Residential and its Declining Balance Co-ownership Program as a permissible path to Muslim-Americans in need of home financing.

Since 2002, Guidance has supported many community-based organizations and has quickly become the largest corporate sponsor of Muslim-American community initiatives. Guidance has committed nearly $2 Million in a span of 12 years for such initiatives.

Guidance Residential has become the #1 U.S. Islamic Home Financing provider through the dedication of its team, an eye for a quality finance product and strict adherence to Sharia compliance.

A famous teaching by Bukhari states, “A person’s happiness includes a big house, a good neighbor, and a steady mount.” I think we can all agree that if you add a sound financial partner to the mix, the sky is the limit!

Guidance Islamic Home Financing

(Sponsored post)

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World Famous Chocolate Brand Godiva Partners with Muslim Ad Network for Eid al-Fitr Promotion

With a Belgian heritage dating back to 1926, GODIVA Chocolatier is the global leader in premium chocolate. Inspired by the values of Lady Godiva – her passion, generosity, and pioneering spirit — GODIVA’s legendary name has become a universal symbol of luxury, quality and the most delicious chocolate.191071_ramadan_36ballotin

The chocolatier has a presence in more than 80 countries with over 500 boutiques, in addition to a presence in Global Travel Retail, department and specialty stores, and online.

GODIVA offers a range of chocolate creations and is dedicated to innovation and excellence in the Belgian tradition.

From its famous truffles and shell-molded chocolate pieces to its European-style biscuits, individually wrapped chocolates, gourmet coffees, hot cocoa and other indulgences, GODIVA is committed to bringing the ultimate chocolate experience to the world.

For the second year in a row, GODIVA is offering a delicious way to partake in Eid al-Fitr celebrations. The chocolatier has customized two of its iconic gold ballotins with a design created specifically for Ramadan with limited-edition packaging.

The luxurious design is available on 19- and 36-piece ballotins, and features a medallion inspired by familiar patterns and motifs found in Islamic architecture and tradition. Each ballotin includes an assortment of milk, dark, and white chocolate, to enjoy as a delicious reward during this month’s celebrations.

Purchase Godiva Eid Boxes

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Balancing Spirituality and Consumption in Ramadan

If there is one month in the year when Muslims increase their acts of worship, it’s the blessed month of Ramadan. This includes everything from engaging in the required 5 daily prayers, reading the Qu’ran, meeting with our family and friends to break our fast on a consistent basis, concentrating extra hard this month on fasting not just from eating, but also controlling our ears and eyes as well.  

However, while spirituality is often emphasized and consumption is perceived as a negative habit during the blessed month, we must not forget a saying from the Prophet Muhammad (peace be upon him) regarding Giving Gifts during this time.

Abu Huraira reported: The Prophet, peace and blessings be upon him said:

Give each other gifts and you will love each other.”

This prophetic statement tells us that we shouldn’t be worried if God will be upset at us if we go shopping during this blessed month of Ramadan to buy gifts for our loved ones.  As the Hadith says, giving gifts to one another will increase our love and affection towards one another.  It’s not the Gift that you bought that counts, its the thought that counts most.  This builds a stronger relationship amongst people and repairs any damage in where there was a fragile relationship.  

The Prophet (peace be upon him) “used to accept gifts and used to give something in return.” 

Gift giving increases love and affection among people.  For this the gift does not have to be given on a particular occasion or of a particular standard. Whatever is given to promote harmony between Muslims, seeking with this God’s Pleasure, will be a source of happiness on the Day of Judgement. The more we love God, the more we will love His creation and desire to give people good things, good sentiments and good advice.

If we give presents to each other because it is the Sunnah of God’s Beloved Messenger and because following his Sunnah will make God pleased with us, then this gift giving is praiseworthy. On the other hand, if we give gifts in order to receive something in return, then this type of gift giving will bring us no lasting good. When we give presents in order to show off what we can afford to give, this arrogance invites God’s wrath and punishment.

Muslim Consumption during this month is very high as we are doing Iftars (break fast) which we either Cater or make the food to feed a large group of people.  We have gatherings at the masjid after Taraweeh where we discuss topics on Islam called Qiyam and a way to do more ibaadah at night at the masjid.  But the Muslim Market is the busiest during Ramadan because of how important this month is in all levels.  

People are buying gifts  and restaurants are very busy due to the increase of activity during Ramadan by Muslims.  In Muslim Countries such as Pakistan, it is known that during Ramadan all the shopkeepers are open all day into the night because of how busy they get because of the shopping of clothe, gifts, toys, food during this month.  It is the busiest month out of the year because Eid is around the corner and Muslim Consumption is at an all time high around the world.

We must be conscious of the Muslim Market and how it has evolved from nothing to an increase of Muslim Companies opening up daily all around the world to meet the demands of the evergrowing Muslim Population.  

Muslims make up 1.6 Billion, or 23% of the Worlds Population, making it the 2nd Largest Religion and Fastest Growing Religion in the world (Accoring to Pew Research)

The Muslim Consumption has increased and even Non-Muslim Companies must cater to Muslims because of the ever-growing population.

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Ramadan Shopping: How Brands are Catering to the Muslim Market

While the blessed month of Ramadan is not necessarily a time where Muslims think about shopping and consumption, rather re-connecting with the spiritual.

One trend that can’t be denied is the rise of consumer brands which are using this time of the year to tailor and spark increased engagement with the Muslim market.

We’ve been noticing some of the most popular brands capitalizing on this and wanted to share what we found below.

Brands Catering to Muslims in Ramadan

1) Godiva:

Last year, Godiva, a manufacturer of premium chocolates introduced Ramadan gift boxes.

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“Present friends and family with GODIVA for a delicious — and much-appreciated — end to the day. Or share it during your Eid al-Fitr celebrations. Our Gold Ballotin features a Ramadan decorated ribbon and pick. As always, it’s filled with an irresistible assortment of pralines, ganaches, caramels, and nuts and fruits in milk, dark, and white chocolate. 36 pcs.”

2) Edible Arrangements

Edible arrangements, the US based franchising business that specializes in fresh fruit arrangements created the “Ramadan Kareem Bouquet™ Dipped Strawberries & Pineapple”.

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“A beautiful centerpiece overflowing with juicy pineapple daisies, strawberries, honeydew, cantaloupe, grapes, fresh orange slices, and topped with a constellation of pineapple stars and a single crescent moon. A delicious addition to any Ramadan gathering.”

3) Coca-Cola

The world’s leading carbonated soft drink company has shown a much higher attentiveness to Muslims around the world during this time.

Incorporating Ramadan themed packaging for their products (as seen below) coupled with seasoned commercials.


So, which brands have you seen catering to Muslims around Ramadan? Share your thoughts and experiences below.

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Supernatural Thriller “Jinn” in Theaters 4-4-2014

Based on Arabic mythology, Director Ajmal Zaheer Ahmad’s upcoming action film Jinn, is a thrilling fusion of fantasy and reality. Ancient Arabic legend states that God created three entities: man from clay, angels from light, and a race called Jinn from smokeless fire.

This legend is retold through a crisp and contemporary lens, poising the Jinn as a terrifying and evil spirit that begins terrifying modern society.

Jinn Movie Poster Official 2

The film focuses on protagonist Shawn, played by Dominic Rains, and his wife Jasmine, played by Serinda Swan, as they discover a supernatural force that confronts them. Through his quest Shawn finds a diverse collection of allies and friends including Father Westhoff, played by William Atheron, and mental patient Ali, played by Faran Tahir.

Jinn Trailer

What makes jinn unique is its blending of mysticism, fantasy, science fiction, and lore, bringing legend from deep rooted culture onto the movie screen.

Drawing from its complex history, this film takes an equally complex nature, discussing a wide variety of themes and thought-provoking questions. Faith, religion, and fiction are brought into play all with stunning special effects and thrills.

Don’t forget to tell your friends about Jinn in theaters this Friday. See where’s playing 

For more about Jinn visit

Follow updates on the official Jinn Facebook and Twitter Pages

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