Interest-free banking has long been explored as a more ethical, equitable, and socially responsible alternative to conventional finance. Yet a central question remains: Can a modern banking system be both sustainable and fully aligned with Islamic principles while operating without profit-driven lending?
This book presents a compelling answer through the innovative concept of social banking—a non-profit, interest‑free model designed to reinforce economic justice and eliminate the structural risks that fuel indebtedness. The model is built on Islamic financial principles and uses zakat funds, asset‑backed transactions, and clear risk‑sharing methods to ensure that financial stability is achieved without compromising ethical values..
Through rigorous analysis, historical insight, and econometric modelling, the book demonstrates how a non-profit banking structure can remain financially viable, socially impactful, and resilient in today's complex economic environment. 
Forward-looking and deeply grounded in scholarly research, this work offers policymakers, academics, and practitioners a practical roadmap for designing an interest‑free banking system that is both sustainable in the long term and firmly rooted in Islamic values.