Welcome to your new forum!

I note that there is not much interest in this site. While disappointing for you, I am gratified because I do not see a need for Islamic finance. Modernists do not equate riba with interest in modern financial markets, so that all of the cumbersome, obscure and expensive Islamic copies of conventional deposits, loans and securities are unnecessary. As for gharar, it has never been well defined by scholars and is not found in the Koran. Scholars often equate it with gambling and myopically view insurance contracts as risky, failing to see that their purpose is to reduce risk! Takaful is the same as conventional insurance - if you do not make the contribution (pay the premium) to the coverage pool, you do not get the insurance coverage.