FIT — Freelance Income Takaful

Personal details — all editable

Full name

Email address

City

Phone number

Primary platform

Profession / skill

Tabarru' / donation

Monthly Tabarru' / Monthly donation rate

Set by the Takaful company. This rate applies to all FIT members equally.

10%

of monthly income

Tabarru' / donation is your monthly contribution into the shared Waqf / Protection Fund. This is a donation — not a premium. It supports fellow freelancers in need. When your income drops ≥30%, the fund supports you in return. No repayment. No interest. No riba, maysir, or gharar.

Choose your platform

FIT requests read-only access to your earnings history only. We never access messages, client data, or personal files. Access can be revoked anytime from your platform settings.

Ahmed Khan

Upwork · Karachi · Graphic Designer

Active member

Income history — Upwork

Monthly Tabarru' / Monthly donation rate

Set by the Takaful company · applies to all members

10%

of baseline income

FIT monitors your earnings automatically each month. This button simulates what happens when a new month closes.

Pool settings — all editable

Waqf pool / Shared Protection Fund — this month

💰 How much does the Takaful company make?

Pending claim requests

0 pending

Pool health indicator

Reserve ratio = net reserve ÷ total contributions

0%Healthy ≥ 30%100%

Approved payouts

No approved payouts yet.

Shariah compliance checklist

✓ No riba (interest)

✓ No maysir (gambling)

✓ No gharar (excessive uncertainty)

✓ Waqf-based pooling

✓ Sukuk / Islamic MM investment

✓ Tabarru' donation model

🔥 Stress test — claim spike

What if claim rate jumps 2–4×? Can the pool survive?

📈 Growth projection

Scale to 500K freelancers. How does company revenue grow?

⚙️ Rate sensitivity

How do different Tabarru' and Wakalah combos affect pool health?

✏️ Custom scenario

Define your own parameters and see the full outcome.

🗄️ Supabase database connection

Supabase project URL

Supabase anon key

🏦 FIT product defaults — all editable

Default Tabarru' / donation rate (%)

Wakalah / management fee (%)

Income drop threshold to trigger claim (%)

Max payout as % of baseline

Max payout duration (months)

Min contribution months for eligibility

Recovery threshold (% of baseline to stop payout)

Sukuk / investment return rate (% p.a.)

📋 Supabase SQL setup — run this in your Supabase SQL editor

-- Run this SQL in your Supabase project → SQL Editor

create table if not exists freelancers (
  id uuid primary key default gen_random_uuid(),
  name text, email text unique,
  city text, platform text, skill text,
  rate numeric default 10,
  created_at timestamptz default now()
);

create table if not exists income_records (
  id uuid primary key default gen_random_uuid(),
  freelancer_id uuid references freelancers(id),
  month text, amount numeric,
  recorded_at timestamptz default now()
);

create table if not exists claims (
  id uuid primary key default gen_random_uuid(),
  freelancer_id uuid references freelancers(id),
  ref text unique,
  baseline numeric, actual_income numeric,
  drop_pct numeric, payout_amount numeric,
  status text default 'pending',
  submitted_at timestamptz default now(),
  reviewed_at timestamptz
);

create table if not exists pool_config (
  id int primary key default 1,
  participants int default 10000,
  avg_income numeric default 100000,
  tabarru_rate numeric default 10,
  wakalah_fee numeric default 5,
  claim_rate numeric default 8,
  payout_pct numeric default 50,
  updated_at timestamptz default now()
);