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.
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 donated 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.
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 break ground. 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.
Your funds are held against the project you chose. They are not released early, and they are not moved because something else looks close to target. They wait.
When the last share is funded we commission delivery. 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.
A project only gets built once all hundred shares are funded. Nothing is commissioned at sixty, or ninety.
So the timing depends on other people. Buy the last share on a project sitting at 99 and delivery starts almost straight away. Buy into a project that is early and you are waiting 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. We could build at 80% and cover the rest from a general pot. But then we would be moving money between projects, and the whole point of a share was that yours stays with the thing you chose. We think the tighter promise is worth the wait.
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 and give you two options. Redirect your shares to another project, or take a full refund. Your call. Your money is not quietly folded into something you did not choose.
The choice is yours because the trust was yours.
One thing donors ask about: SDQA is a Community Interest Company, not a registered charity, so there is no Gift Aid. That is a genuine cost to you and we would rather say it plainly than let you find it out later. What the structure buys is the freedom to hold to this kind of promise about where your money goes and what comes back.
We built the system around the completion rather than the donation.
Pick a project that means something to you, buy a share, and watch it move.
Fund a share at sdqa.org.uk
