What Makes These Products Halal?

Halal financial products are not just about paying or receiving Interest (Riba). There’s more to it than that:

Halal & Ethical Screening

The products are end-to-end Halal, which simply means permissible and in compliance with Islamic Shariah Law. This prohibits investing in businesses that profit from things like alcohol, tobacco, drugs, weapons, gambling, and adult entertainment.

Shariah Compliant Transactions

Our financial solutions are based only on Shariah compliant underlying principles including Mudarabah(profit and loss), Murabaha (cost plus sale), Musharaka (partnership) and Wakala (agency). Furthermore, we follow strict processes and procedures to ensure conducting each transaction in line with the Shariah compliance requirements, thus making sure that the end product that we offer you is Shariah compliant end to end

Asset-Backed Transactions

If we go out of business, it doesn’t mean you go out of business. Your investments and financing contracts are backed by tangible assets.

Clear & Transparent Contracts

Contracts are not one-sided. We ensure that the terms are laid up front and are fair, clear, and easy to understand for the client or investor.

Investment Process

  1. Our investment team conduct market research and identify viable investment opportunities with verified and promising Agric business opportunity while working with in-house and external farmer partners.
  2. These investments will then be subject to examination by our advisory committees both business and shariah advisors.
  3. Once approved and certified, members are invited to subscribe to the investments which will be registered in each member’s name.
  4. Project execution and implementation commence immediately by the investment team.
  5. Project monitoring and evaluation are performed with the status report given to the members on a periodic basis.
  6. At the completion of the Investments period, the net returns is distributed to the members registered Accounts.
  7. The project is completed and the investment closed.

    As with all investments, there is risk element. Invest Only funds you can risk.

However, we ensure to put all necessary risk mitigation in place and deals in real/physical assets with realizable value that do not just disappear or vanish in the air.

This is asset-backed investments that reduce the risk.


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