Born out of a need for ethical, community-driven support.
Ta'awun Community Fund (TCF) was established to provide a dignified and Shari'ah-compliant alternative for funeral support. We believe in the power of community coming together during life's most difficult moments. TCF is a registered non-profit company.
The TCF Journey
TCF began with a simple observation: many families in our community were facing financial and logistical burdens during times of loss, often turning to interest-based loans or inconsistent crowdfunding.
We envisioned a better way—a system rooted in the Islamic concept of Ta'awun (mutual cooperation). A fund built by the community, for the community, where every contribution serves as a promise of support for one another.
Mutual Aid
Driven by shared values and collective responsibility.
Shari'ah Conscious
Ethical practices aligned with Islamic principles.
Leadership & Guidance
Guided by experience, rooted in faith.
Executive Leadership
Zahir Semaar
General Manager
Over 15 years of experience in the financial services industry.
Mohammed Ridhaa Damon
Operations Manager
Specializing in business development and operational efficiency.
Shari'ah Advisory Board
Moulana Mogamat Hassiem Cassiem
Shari'ah Board Member
Advising on the compliance of our pooling models and distribution methods to ensure they meet the highest ethical standards.
Sheikh Kashief Damon
Shari'ah Board Member
Ensuring our administrative processes align with the principles of transparency and fairness in Islamic finance.
Ta'awun Community Fund (TCF) has been carefully structured as a Shari'ah-compliant mutual assistance platform rooted in the principles of Tabarru' (donation) and Ta'awun (mutual cooperation). The objective of the Fund is to provide dignified and structured financial assistance to members in times of need, particularly in relation to Janazah obligations, while upholding the highest standards of Shari'ah compliance.
TCF is structured as a cooperative mutual assistance fund (Ta'awuni model) and not a conventional insurance contract. The Fund operates on cooperative risk-sharing rather than risk transfer. Members collectively support one another.
- — Prohibition of Riba — No interest-bearing instruments, accounts, or transactions are utilised.
- — Avoidance of Gharar — All terms, contribution allocations, benefits, and conditions are explicitly defined and disclosed.
- — Avoidance of Maysir — The structure eliminates speculative gain; benefits are assistance-based, not winnings.
The structure falls within acceptable contemporary cooperative/Takaful frameworks and is Shari'ah-compliant subject to ongoing supervision by an independent Shari'ah Advisory Board.
Radical Transparency
Trust is our most valuable asset. We are a registered non-profit organization dedicated to serving the community. Every Rand contributed is tracked, and our administrative structure is designed for maximum efficiency and minimum overhead.
Non-Profit Status
TCF is a registered non-profit company. There is no profit distribution.
Annual Audits
Our financial records are audited annually by independent third-party Shari'ah and financial auditors.
Governance Structure
Overseen by a Shariah board that are not eligible for salaries from the fund.
Privacy & Dignity
We protect the privacy of recipient families, ensuring support is provided with the utmost discretion.
Be part of something bigger.
Your support helps us maintain a safety net for those who need it most. Join the TCF community today.