Governance
Compliance is a state on the record, not a claim in the brochure
Legal, compliance, underwriting and Shariah governance teams operate inside the same system that funds and services the transaction.
CertifiedUnder reviewConditionalNot compliant
Structure screening
Every product template is reviewed against AAOIFI-aligned criteria before it can be originated.
Transaction certification
Each facility carries a certification state, reviewing scholar, effective date and any conditions.
Prohibited exposure checks
Automated screening for riba, gharar, and non-permissible business activity in the underlying asset.
Segregation of capital
Compliant capital pools are tracked separately from any non-conforming source of funds.
Ongoing audit
Servicing events, buy-ins and distributions are sampled and re-tested each quarter.
Purification record
Any incidental non-compliant income is identified, quantified and directed to purification.