A water bore pump in Pakistan costs £500. We sell it as a hundred shares at £5 each.
That is the whole model. It is worth explaining why we built it that way, including the part that costs you something.
What a share actually is
Give to most appeals and your money goes into a fund. A water fund, an education fund, an emergency fund. The fund is real, and the intention behind it is usually completely sincere. But you never find out which well, which classroom, which family your particular gift reached. The relationship ends at the payment screen.
A share works differently. You are buying a stake in one nameable thing. The water bore in this village. The masjid on this gifted plot of land. The pump serves 80-150 people every day, and once it is built you see photographs of it, where it sits, and a completion report on your Akhirah Portfolio.
You can point to it.
Why a hundred, and why a fixed price
We cost the project first, then divide it into a hundred equal shares. A £500 water bore is 100 shares at £5. A masjid is £65 a share. A fully equipped school is £750 a share.
If a project is 71 shares funded, it is 71% of the way there and needs £145.00 more to be fully funded. No vague progress bar. The maths is in front of you, and the maths is the truth.
The fixed price does something else. £5 on its own does not build a water source. But £5 is one hundredth of one, and a hundred people each giving £5 build the whole thing between them. You are giving a fraction of a finished project, not a fraction of a gesture.
What happens once you fund a share
Your funds are held against the project you chose. They are not moved because something else looks close to target.
When the project is ready and enough is in place to begin, we commission delivery. That can be before every share is funded. The field team gets the location, the specification, the timeline, and the reporting we require back. They source materials, build, and photograph the work as it goes.
Then the evidence comes back to you. Photographs of the finished project. Where it is. A completion report saying what was delivered and for whom. It lands on your Akhirah Portfolio and it stays there.
The Prophet, peace be upon him, said: "When a person dies, his deeds come to an end except for three: ongoing charity, beneficial knowledge, or a righteous child who prays for him." (Sahih Muslim 1631, narrated Abu Hurairah)
Sadaqah jariyah is not a category of giving we offer alongside others. It is the thing the model is built to produce. A well that flows for ten years keeps flowing whether or not you are there to see it. The share is how we make sure the well actually gets built, and how you know that it did.
The part that costs you something
Work on a project can start before every share is funded. We start once the project is ready and enough is in place to begin.
So the timing can still depend on other people. Buy into a project that is early and you may wait for others to come in behind you before anything moves on the ground.
That is a real cost and we are not going to pretend it away. What we will not do is move your money between projects to speed one up. The whole point of a share is that yours stays with the thing you chose.
If a project does not fund
Some will not reach a hundred inside their window. We plan for that rather than hoping.
If a project does not get there in time, we contact everyone who backed it about moving their shares to a similar project. You can ask for a refund on a share at any time up until the work on its project starts, and a genuine mistake, such as a duplicate payment or the wrong amount, is refunded if you contact us promptly.
The choice is yours because the trust was yours.
What this is for
We built the system around the completion rather than the payment.
Pick a project that means something to you, buy a share, and watch it move.
Fund a share at sdqa.org.uk
