Advisory
Islamic Finance Services
Shari’ah compliance is a structuring question before it is a product question. We work on how a facility or an instrument is put together - what it is secured on, how the return arises, and whether that survives scrutiny - and we train the teams who then have to administer it.
Our method
Engagement Method
- 01
Objective & Screen
What the client is trying to achieve, and which structures are open to them once the prohibited elements - interest, excessive uncertainty and prohibited sectors - are screened out.
- 02
Structure Selection
The contract is chosen for the economics rather than the label: a purchase-and-resale, a lease, a partnership or an agency arrangement each behave differently on risk, tenor and security.
- 03
Documentation & Application
The facility is documented and taken through application with the institution, with the Shari’ah basis of the structure recorded rather than assumed.
- 04
Administration & Training
The team that will run the arrangement is trained on it, because a compliant structure administered as a conventional one stops being compliant.
What is handed over
- 01A structure options paper with the Shari’ah basis of each stated
- 02A documented facility application pack
- 03A Shari’ah governance and compliance checklist for the arrangement
- 04A trained finance team, with the administration steps written down
What we cover
- Islamic finance training and capacity building for boards and finance teams
- Shari’ah-compliant facility structuring and application support
- Guidance on investment in Shari’ah-compliant equities
- Guidance on Islamic unit trusts and collective investment schemes
- Guidance on sukuk - Islamic bond-like instruments
- Guidance on Shari’ah-compliant real estate investment trusts
- Islamic fintech advisory and product review
- Shari’ah governance frameworks and compliance review
What you get
- 01
Financing that meets the objective without compromising the principle
- 02
A structure whose compliance basis is documented, not asserted
- 03
A team that can administer the arrangement without eroding it
Typical engagements
- Shari’ah-compliant facility structuring
- Investment structure review
- Islamic finance training programme
- Shari’ah governance framework build
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