profile · islamic · shariah-compliant

Islamic products — AAOIFI compliance from the first commit.

Every financing decision is validated by the Shariah Board. Hard-stops out of the box: HS-10 anti-cross-collateralization, zero interest, penalties → Charity Liability.

islamic MURABAHA · v3.1

Murabaha

A sale with a fixed markup

Limit

500M UZS

Max term

36 mo

Collateral

the asset itself

Profile

PSR n/a

HS-10 Anti-cross-collateralization: one asset = one deal. A Shariah Board hard-stop.

Charity Overdue penalties are routed to Charity Liability — no income from default.

Audit Every decision is written to the audit chain. A Shariah audit in 4 minutes.

how it works

1
The customer selects an asset

iPhone, equipment, apartment — defined before the deal
2
The MFO buys the asset from the supplier

ownership passes to the MFO
3
The MFO sells it to the customer with a markup

price and term are fixed in advance · they do not change
4
The customer pays in instalments

annuity, equal instalments, or bullet

islamic MUDARABAH

Mudarabah

A profit-sharing partnership

The capital provider (Rabb-ul-Mal) entrusts funds to the entrepreneur (Mudarib). Profit is shared by a pre-agreed ratio (PSR). Losses are borne entirely by the capital provider (HS-7). This is NOT a fixed-return deposit — a fixed APY is prohibited (HS-6).

shariah board