Najmaa Waqf · Protection with Purpose
The institutions we need begin with us.
A stronger future begins with people who are willing to help build it.
Najmaa Waqf brings us together around a shared purpose: supporting social justice, uplifting our community and helping build institutions that can serve generations.
Grounded in Islamic principles of mutual responsibility and care, this is a journey open to everyone who believes in that purpose.
Why this journey matters
A family facing hardship needs somewhere to turn. A young person needs opportunities to learn and grow. The people providing essential grassroots services need support that helps them keep going.
These needs ask something of all of us.
We believe our community has a role in creating the institutions it hopes to rely on: places that educate, services that care, and organisations that stand beside people when they need support.
Through Najmaa Waqf, we are taking a practical step towards that future. We invite you to take part in an effort that connects today’s choices with the wellbeing of those who come after us.
What will the next generation be able to rely on because we chose to begin?
Your 5%. A future worth building.
Small beginnings. Lasting possibility.
A little care today can become part of something bigger tomorrow. Every protection year adds another contribution to a fund built to benefit generations.
5% of your Base Contribution goes to Najmaa Waqf, not 5% of your total payment. It is included in your protection price.
Get a car quoteSee how repeated contributions add up
$50.00
Waqf Contribution each year
$250.00
Contributions over 5 years
Illustration only, before GST. Assumes the same Base Contribution each year and continued protection. Not your quote, paid contribution total, fund balance or a forecast of returns. No investment growth is assumed. Contributions are pooled and invested; investment returns and grant amounts are not guaranteed.
What we want to help build
Health and wellbeing
Charitable initiatives in Australia that respond to important health and community needs.
Education and opportunity
Learning and community initiatives in Australia that help people develop their potential.
Social justice and grassroots services
Institutions and organisations across Australia that assist underserved people, uphold dignity and give communities somewhere to turn.
These are intended areas of benefit, with particular attention to services that are underfunded or overlooked. Projects will be considered in line with the Waqf’s purposes, available funding and Awqaf Australia’s grant requirements.
Purpose built into the journey
Najmaa’s protection model includes an ongoing allocation of 5% of your Base Contribution to Najmaa Waqf.
That commitment connects the everyday need for protection with our ambition to strengthen the community over time.
You can explore Najmaa’s protection offering to understand whether it suits your needs. You can also make an additional, voluntary donation directly to Najmaa Waqf through Awqaf Australia.
You do not need to purchase protection to make a donation.
Giving that can keep helping
A waqf is an Islamic charitable endowment established to create continuing benefit. It reflects the aspiration of sadaqah jariyah: charity whose benefit continues beyond the original act of giving.
Najmaa Waqf is an established sub-fund administered by Awqaf Australia. Contributions are pooled and invested through the Awqaf Australia Forever Fund, with the aim of preserving charitable capital and generating resources for future grants.
After the initial 12 months, Awqaf assesses how much is available for grants to projects that meet Najmaa Waqf’s purposes. The amount and timing of grants depend on the funds available and the relevant arrangements.
This is a commitment to building steadily, so that the work can continue.
Our journey so far
Najmaa Waqf has been established. We are now exploring potential projects, building the fund and working towards the first assessment of funds available for grants.
There is a place for you at this stage of the journey. Follow the priorities being explored and the steps being taken as we work towards lasting community benefit.
- Established
Najmaa Waqf
- Under development
Potential community projects
- Ahead
First grant assessment after the initial 12 months
Explore the ideas behind the movement
The choices we make today help shape the community we leave behind. Explore the thinking behind Najmaa, the role of waqf and the responsibility we share in building institutions that serve.
What Is Islamic Insurance? A Guide to Takaful in Australia
How Takaful works and the principles of mutual responsibility behind it.
Read the articleMutual Insurance Explained: How Takaful’s Mutual Model Works
Why members helping each other shapes how Najmaa is built.
Read the articleFind your place in the movement
You do not have to build an institution on your own to help make one possible.
Add your support to Najmaa Waqf
Make a separate, voluntary donation through Awqaf Australia. Every contribution adds to the charitable fund we are building together.
Donate to Najmaa WaqfEligible voluntary donations to Najmaa Waqf through Awqaf Australia are tax-deductible. Awqaf Australia provides donation receipts.
Explore Najmaa protection
Discover the offering, understand how it works and consider whether it meets your protection needs.
Explore protectionFollow the journey
Receive updates about Najmaa Waqf, the community priorities being explored and the ideas behind this work.
We have begun. Help us build what comes next.
Your questions answered
What is Najmaa Waqf?
An established sub-fund of Awqaf Australia supporting Australian communities through social justice, community uplift and institutions that create lasting benefit, especially for underfunded grassroots services.
How does it connect with Najmaa protection?
5% of your Base Contribution is allocated to Najmaa Waqf and included in your protection price. Choose a preferred area of benefit when getting a car quote; all causes support Australian communities. Contributions remain pooled with Awqaf Australia; a choice does not guarantee a particular grant. Additional voluntary donations can be made separately.
Can I donate without purchasing protection?
Yes. You can contribute directly through the Najmaa Waqf donation page, whether or not you hold Najmaa protection.
Are direct donations tax-deductible?
Eligible voluntary donations through Awqaf Australia are tax-deductible, with receipts issued by Awqaf. This relates to the donation and does not describe the tax treatment of a Najmaa protection payment.
When will the Waqf make grants?
After the initial 12 months, Awqaf assesses the amount available for grants. Grants must meet the Waqf’s purposes and applicable requirements. The assessment does not guarantee a particular amount or payment date.
Who can be part of this journey?
Everyone who shares its purpose is welcome. Najmaa is grounded in Islamic principles of mutual responsibility, fairness and community benefit, and welcomes people of all faiths and backgrounds.