Sharia Compliance

Our Commitment to Islamic Banking

All our products and services strictly adhere to Sharia principles

No Riba (Interest)

We completely avoid interest-based transactions in all our financial products and services.

Profit-Sharing

We engage in legitimate trade and investment activities with profit-sharing arrangements.

Ethical Investments

We never invest in industries prohibited by Islam like alcohol, gambling, or tobacco.

Asset-Backed

All our financing is backed by tangible assets and real economic activity.

Our Sharia Supervisory Board

Ensuring strict compliance with Islamic principles in all our operations

Our Sharia Supervisory Board consists of renowned Islamic scholars and finance experts who oversee all aspects of our operations to ensure complete compliance with Sharia principles.

Product Certification

Every financial product undergoes rigorous Sharia compliance review before launch.

Annual Audits

Comprehensive Sharia audits conducted annually by independent experts.

Continuous Monitoring

Ongoing supervision of all transactions and operations.

Meet Our Sharia Board

Sharia-Compliant Product Structures

How we implement Islamic finance principles in our products

Diminishing Musharaka (Home Financing)

We jointly purchase the property with the customer, and the customer gradually buys our share over time through monthly payments that include both capital repayment and rent for our share.

No interest charged
Transparent profit rate
Gradual ownership transfer

Murabaha (Business Finance)

We purchase the asset/equipment requested by the customer and sell it to them at an agreed markup with deferred payment terms, with full disclosure of all costs.

Asset-backed financing
Fixed profit margin
No compounding

Ijara (Leasing)

We purchase the vehicle and lease it to the customer for a fixed period with predetermined rental payments, with option to purchase at the end of lease term.

No hidden charges
Fixed rental payments
Option to own

Mudaraba (Savings Accounts)

Customer deposits are invested in Sharia-compliant ventures, with profits shared according to predetermined ratios while bearing any potential loss of capital.

Profit-sharing instead of interest
Ethical investments only
Transparent reporting

Sharia Certifications & Fatwas

Our products have received formal approval from renowned Islamic scholars

Product Approvals

All our financial products have received formal fatwas from our Sharia Supervisory Board certifying their compliance with Islamic principles.

View Certificates

Annual Reports

Our annual Sharia compliance reports are publicly available, detailing our operations and investments to ensure transparency.

Read Reports

Independent Audit

We undergo annual independent Sharia audits by internationally recognized Islamic finance certification bodies.

Learn More