Shariah Compliance Methodology
Our rigorous 3-step screening process combining automated analysis with expert oversight.
Qualitative Screening
We analyze the company's core business activities. Revenue from impermissible sources must not exceed the 5% tolerance threshold defined by AAOIFI standards.
Quantitative Screening
We rigorously audit financial ratios. Interest-bearing debt and securities must each remain below 30% of market capitalization (trailing 12-month average).
ESG & Ethical Check
Beyond basic ratios, we evaluate Environmental, Social, and Governance factors. We flag high-risk controversies ensuring a holistic ethical assessment.
Our AI engine aggregates data from all three screening steps to assign a final status:
Each classification comes with a probability score (e.g., 98.5%), indicating the algorithm's confidence based on the granularity and recency of available data.
Shariah Board Certification
For assets classified as 'Doubtful' or for institutions requiring a formal fatwa, we offer the option to pass the report to our partner Shariah Board. Our scholars will manually review the finding and issue a signed certification.