Islam (; Arabic: الإسلام, al-ʿIslām [ɪsˈlaːm] (listen), transl. "Submission [to God]") is an Abrahamic monotheistic religion centred primarily around the Quran, a religious text considered by Muslims to be the direct word of the God of Abraham (or Allah) as it was revealed to Muhammad, the main and final Islamic prophet. It is the world's second-largest religion behind Christianity, with more than two billion followers, or around 25 percent of the world population. Islam teaches that God is merciful, all-powerful, and unique, and has guided humanity through various prophets, revealed scriptures, and natural signs, with the Quran serving as the final and universal revelation and Muhammad serving as the "Seal of the Prophets" (the last prophet of God). The teachings and practices of Muhammad (sunnah) documented in traditional collected accounts (hadith) provide a secondary constitutional model for Muslims to follow after the Quran.: 63 Muslims believe that Islam is the complete and universal version of a primordial faith that was revealed many times through earlier prophets such as Adam, Abraham, Moses, and Jesus, among others; these earlier revelations are attributed to Judaism and Christianity, which are regarded in Islam as spiritual predecessor faiths. They also consider the Quran, when preserved in Classical Arabic, to be the unaltered and final revelation of God to humanity. Like other Abrahamic religions, Islam also teaches of a "Final Judgement" wherein the righteous will be rewarded in paradise (Jannah) and the unrighteous will be punished in hell (Jahannam). Religious concepts and practices include the Five Pillars of Islam—considered obligatory acts of worship—and following Islamic law (sharia), which touches on virtually every aspect of life, from banking and finance and welfare to women's roles and the environment. The cities of Mecca, Medina, and Jerusalem are home to the three holiest sites in Islam, in descending order: Masjid al-Haram, Al-Masjid an-Nabawi, and Al-Aqsa Mosque, respectively.Islam originated in the 7th century at Jabal al-Nour, a mountain peak near Mecca where Muhammad's first revelation is said to have taken place. Through various caliphates, the religion later spread outside of Arabia shortly after Muhammad's death, and by the 8th century, the Umayyad Caliphate had imposed Islamic rule from the Iberian Peninsula in the west to the Indus Valley in the east. The Islamic Golden Age refers to the period traditionally dated from the 8th century to the 13th century, during the reign of the Abbasid Caliphate, when much of the Muslim world was experiencing a scientific, economic, and cultural flourishing. The expansion of the Muslim world involved various states and caliphates as well as extensive trade and religious conversion as a result of Islamic missionary activities (dawah).: 125–258 There are two major Islamic denominations: Sunni Islam (85–90 percent) and Shia Islam (10–15 percent); combined, they make up a majority of the population in 49 countries. While Sunni–Shia differences initially arose from disagreements over the succession to Muhammad, they grew to cover a broader dimension both theologically and juridically, with the divergence acquiring notable political significance. Approximately 12 percent of the world's Muslims live in Indonesia, the most populous Muslim-majority country; 31 percent live in South Asia; 20 percent live in the Middle East–North Africa; and 15 percent live in sub-Saharan Africa. Sizable Muslim communities are also present in the Americas, China, and Europe.

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Lenders want to make sure all their bases are covered before they extend you credit. That means they may look at factors other than your credit score to determine whether to lend you money. Your employment status also can play a role: If your income is too low or you haven’t been at your current workplace long, those factors could weigh against you.

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