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Shariah Audit Framework™

Shariah Audit Framework™. Read the terms before you sign.

It reads contracts and financing terms through an Islamic ethics lens. It flags exposure; it issues no rulings.

FrameworkLive

  • 5steps
  • 7links in the Registry map
  • 5systems it works with

The problem it fixes

Contracts can carry hidden exposure.

Term sheets, financing deals, employee share plans and partnership agreements are rarely read through an Islamic ethics lens. Interest or excessive uncertainty can sit unnoticed in the terms.

How it works

5 phases to a clear reading.

  1. Bring the document

    A contract, term sheet, financing instrument, employee share plan or partnership agreement.

  2. Screen for 3 exposures

    Interest (Riba), excessive uncertainty (Gharar) and gambling-like risk (Maysir). Pricing terms go through the 5-Gate Pricing Audit Framework™.

  3. Filter through the Maqasid

    The terms are read against the aims of Islamic ethics: its pillars, then its principles.

  1. Compare with 10 set positions

    10 fixed positions, drawn mainly from the AAOIFI and IFSB standards, guide each reading.

  2. Get a 3-pillar verdict

    Findings are read for faith, fiqh (Islamic law) and form. Where scholars differ, the matter goes to a qualified scholar.

The diagram

Shariah Audit Framework: 5 phases A gate line of 5 phases: your contract comes in, is screened for Riba, Gharar and Maysir, filtered through the Maqasid, compared with 10 set positions, and ends in a verdict read on 3 pillars: faith, fiqh and form. Your contract or financing terms Riba, Gharar, Maysir 3 exposures Maqasid filter pillars, then principles 10 set positions AAOIFI and IFSB 3-pillar verdict faith, fiqh, form
5 phases. The framework flags exposure; rulings stay with a qualified scholar.

Where we use it

Where we use it

Works with

Works with

The outcome

Sign with eyes open.

You see where a deal may expose you to interest or hidden risk before you sign, most likely while it is still easy to change.

Results are most likely to follow if the process is followed properly, with good intention and best effort.

Start with a free call.

A free 30-minute call, with quick fixes you can start using straight away.

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