About LMBA

A community built on trust, transparency, and Islamic principles — supporting families in Luton during their time of need.

Sharia Compliance

LMBA is not insurance. It is a community mutual support arrangement, built entirely on the foundation of sadaqah.

Every contribution you make to LMBA is sadaqah — voluntary charity given for the sake of Allah.
There are no premiums, no interest, no speculative investments, and no guaranteed payouts in the contractual sense.
A dedicated Sharia Advisor sits on the Management Committee to ensure compliance with Islamic principles.

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Built on Trust

Our commitment to Islamic principles ensures that every aspect of LMBA operates within the boundaries of Sharia law, providing you with complete peace of mind.

Governance & Trust

Transparency and accountability are at the heart of everything we do.

Volunteer Committee

Led by Chairperson, Treasurer, Secretary, Community Managers, Sharia Advisor.

Annual Accounts

Independently examined and shared yearly.

Dual Signatures

Required for all payments.

Reserve Fund

Maintained at 6+ months obligations.

AGM

Members vote and hold committee accountable.

Conflict of Interest

Strict policies enforced.

Community Insights

Based on surveys conducted within our local Muslim community in Luton.

76%

have nothing in place for their funeral

69%

didn't know what a funeral scheme is

92%

accepted LMBA as a good idea

43%

expressed a wish to join immediately