Shariah

Our guiding principles

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Shariah compliance with investments, agreements, process, and platform ensured.

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Our robust Shariah Governance

A robust Shariah
governance
framework.

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AAOIFI stand-based date
feed from IdealRatings

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Shariah governance from
Amanah Advisors

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Shariah Certificate
by Mufti Faraz

Dual Screening Process

Aghaz Dual
Screening Process

To never compromise on our customers or the firm’s values, we take a two-tiered approach

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What gets filtered out during Shariah Screening?

What gets filtered out
during Shariah
Screening?

The Shariah Screening Criteria is developed by our Shariah Advisors is that the business of the investee company must be Halal. In other words, the investee companies with the following core businesses will be excluded

Bank

Companies involved in interest-based lending or interest-based products

Bank

Manufacturing or distribution of alcohol and other non-halal drinks

Bank

Manufacturing or distribution of cigarettes and other non-halal foods

Bank

The production, packaging, processing, or any activity related to pork

Bank

Companies operating in betting and gambling operations

Bank

Production and distribution or sale of music or pornography

Bank

Companies involved in human genetic manipulation

Bank

Other activities as determined by the Shariah Advisor

What gets filtered out during Financial Screening?

What gets filtered out
during Financial
Screening?

Once an investee company has cleared the above the screening, it is screened on the following parameters to ensure that exposure to unlawful income is absolutely minimal and that the impure income can be purified

Bank

The interest bearing debt must not exceed 30% of the market capitalisation.

Bank

The interest bearing instruments or other non-compliant investments must not exceed 30% of the market capitalisation.

Bank

Non-compliant source of income must not exceed 5 percent of the total gross revenue earned by the company.

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