A Shariah opinion is only useful if it holds up. We review your structure and documents against AAOIFI Shariah Standards and Pakistan's regulatory framework, then tell you plainly what is compliant, what is not and what to change.
A full review of a company, fund or portfolio: what the business does, how it is financed and where its income comes from, tested against AAOIFI screening criteria.
Design and review of Islamic financing and investment products, from the term sheet to the final contract set, so that each step of the transaction is valid on its own.
Periodic testing of how products are actually executed, because a sound contract can still be undone by the wrong sequence of documents or payments.
We agree what is being reviewed, which standards apply and the documents we need.
Our scholars read the contracts, process flows and financial statements, and test them clause by clause.
You receive a signed opinion with findings, the evidence behind them and the changes required.
We check execution over time and tell you when a change in the business or the standards affects the opinion.
Al-Ihkam gives Shariah advisory opinions. We do not give legal, tax or investment advice, and an opinion covers only the facts and documents reviewed.
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