Core BankingHero focus
Modular, Sharīʿah-compliant core built for modern finance teams.
Alif Laam Meem Enterprises
Islamic Financial Solutions For Everyday Life
SolutionsHero focus
Structured engagements across ijārah, mushārakah, wakālah, and sukūk.
CustomersHero focus
Support for banks, fintechs, funds, and social-impact institutions worldwide.
PartnersHero focus
Collaborative delivery with scholars, legal experts, and technology providers.
InsightsHero focus
Guidance, playbooks, and research to help your teams stay compliant and confident.
Compliance & Trust
Sharīʿah Advisory and Certification
Independent oversight for products, processes, and launch workflows—aligned with AAOIFI standards and the positions of major madhāhib.
What we offer
- Ongoing Sharīʿah supervision for products, processes, and marketing.
- Review of policies against AAOIFI standards and major madhāhib.
- Formal Sharīʿah compliance certificates and supervised launches.
Client benefits
- Clear “permissible” status that builds trust with Muslim customers.
- Reduced risk of ribā, gharar, and maysir slipping into operations.
- Faster approvals for new products and partnerships.
Certification Seals
Formal attestations for every product lifecycle stage.
Scholarly Review
Detailed fiqh analysis and rulings you can circulate internally.
Risk Controls
Guardrails that keep ribā, gharar, and maysir out of workflows.
Implementation Playbooks
Practical checklists to embed Sharīʿah compliance day to day.
Icons reflecting certification, scholarship, and governance in practice.
Asset Finance
Ijārah (Leasing) and Ijārah Muntahiyah bi-Tamleek
Structure leases that respect Sharīʿah principles while keeping assets productive and revenue-generating.
What we offer
- Leasing models for vehicles, equipment, and property.
- Clear separation of lessor and lessee obligations, maintenance, and Takaful.
- Transfer-of-ownership options that meet Sharīʿah conditions.
Client benefits
- Asset-backed income without interest.
- Flexible pricing and risk allocation that suit SMEs and corporates.
- Clean exit paths at maturity.
Tangible Assets
Vehicles, equipment, and properties anchored to real ownership.
Maintenance Clarity
Responsibilities split cleanly between lessor and lessee.
Transfer Pathways
End-of-term options that honour Sharīʿah requirements.
Cash-Flow Modeling
Rental schedules mapped to predictable income streams.
Icons capturing ijārah asset journeys from onboarding to handover.
Partnership Capital
Mushārakah and Muḍārabah (Partnerships)
Co-create equity ventures with profit-and-loss sharing anchored in transparent governance.
What we offer
- Equity-based partnerships with profit-loss sharing ratios.
- Governance terms, capital calls, and dissolution procedures.
- Fit-for-purpose models for funds, ventures, and project finance.
Client benefits
- True partnership structures preferred by many scholars.
- Better alignment of incentives and real-economy impact.
- Stronger investor appeal for ethical capital.
Aligned Partners
Mutual commitments captured in Sharīʿah-compliant contracts.
Fair Risk Share
Profit and loss allocated according to authentic jurisprudence.
Syndicated Capital
Structures ready for multiple investors or management teams.
Growth Roadmaps
Milestones and KPIs tied to real economic activity.
Symbolism of equitable, well-governed partnership finance.
Delegated Investing
Wakālah Investment (Agency) Agreements
Delegate investment mandates with defined agent duties, asset screens, and reporting clarity.
What we offer
- Agency-based investment mandates with clear fee models.
- Asset universes screened for Sharīʿah compliance.
- Reporting packs showing allocations, yields, and purification.
Client benefits
- Managed investing with transparent roles and no interest.
- Scalable structure for HNWIs, family offices, and institutions.
- Cleaner audit trail for external Sharīʿah boards.
Global Reach
Access screened opportunities across markets and sectors.
Mandate Design
Clear delegation of authority and investment guidelines.
Agent Accountability
Roles and responsibilities that regulators and boards understand.
Reporting Discipline
Periodic packs that make oversight simple and transparent.
Graphic cues for agency mandates, governance, and reporting.
Capital Markets
Sukūk (Islamic Notes) Structuring
Engineer sukūk programmes that connect investors to real assets with transparent cash flows.
What we offer
- Sukūk design across ijārah, murābaḥah, wakālah, and mushārakah themes.
- Asset identification, SPV setup, cash-flow mapping, and disclosure.
- Coordination with legal counsel and potential rating paths.
Client benefits
- Access to Sharīʿah-sensitive capital pools.
- Better investor diversification and pricing options.
- Instruments tied to real assets or real services.
Structured Tranches
Layered sukūk stacks matched to investor appetites.
Real Assets
Underlying projects that ground every issuance.
Investor Distribution
Cash-flow waterfalls with Sharīʿah-compliant returns.
Disclosure Packs
Prospectuses and reports ready for scrutiny.
Icons representing the mechanics of sukūk origination.
Ethical Protection
Takaful Advisory and Program Design
Build ethical risk-sharing programmes with clear models, wording, and claims governance.
What we offer
- Selection or design of takaful models (wakālah, mudārabah, hybrid).
- Policy wording review to remove gharar and maysir.
- Claims governance and surplus distribution methods.
Client benefits
- Ethical risk cover that aligns with your brand promise.
- Lower compliance risk in regulated markets.
- Customer loyalty through values-consistent protection.
Risk-Sharing
Protect participants with Sharīʿah-aligned pooling.
Participant Care
Claims journeys designed around dignity and fairness.
Community Pools
Structures that keep contributions transparent.
Surplus Ethics
Distribution methods rooted in principled sharing.
Icons highlighting cooperative protection and surplus discipline.
Operational Clarity
Legal Documentation and Contract Drafting
Draft bilingual contracts that match real trade flows while remaining Sharīʿah sound.
What we offer
- Arabic/English contract sets for each product type.
- Clear offer-and-acceptance, subject matter, delivery, and risk clauses.
- Side letters for operational realities without ḥiyal.
Client benefits
- Contracts that actually match how you trade.
- Fewer disputes and faster collections.
- Comfort for counterparties and investors.
Comprehensive Clauses
Complete documentation for each transaction stage.
Tailored Drafting
Language adapted to your jurisdiction and operations.
Sharīʿah Assurance
Clauses vetted by qualified scholars and legal counsel.
Execution Ready
Signature packets aligned with regulatory expectations.
Icons signalling robust, bilingual legal tooling.
Continuous Oversight
Sharīʿah Audit and Health Checks
Audit operations proactively with structured reviews, logs, and corrective coaching.
What we offer
- Periodic and surprise audits of deals, ledgers, and workflows.
- Exception logs, corrective actions, and staff coaching.
- Pre-launch checks for new products or branches.
Client benefits
- Early detection of breaches before they scale.
- Credibility with customers and partners.
- A continuous-improvement loop for compliance.
Detailed Reviews
Investigations that surface issues before they spread.
Evidence Trails
Documentation that satisfies internal and external auditors.
Control Testing
Validation of controls protecting customers and teams.
Action Tracking
Follow-up registers to ensure remediation is complete.
Icons underscoring diligence, documentation, and remediation.
Investment Screening
Equity and Fund Screening with Purification
Screen portfolios, calculate purification, and monitor ratios to keep capital pure.
What we offer
- Sharīʿah screening by sector and financial ratios.
- Dividend and capital-gain purification calculations.
- Portfolio monitoring and rebalance triggers.
Client benefits
- Invest with a clean conscience and clear method.
- Documented purification for audits and Zakat.
- Clear rules your team can follow every quarter.
Ratio Monitoring
Continuous surveillance of compliant thresholds.
Data Pipelines
Accurate feeds for screening and audit evidence.
Purification Flows
Calculated charity distributions for non-compliant income.
Balanced Governance
Policies that keep investment committees aligned.
Icons mapping how portfolios stay within Sharīʿah thresholds.
Obligatory Giving
Zakāt Policy for Corporates and HNWIs
Define zakāt frameworks that compute dues correctly and document enterprise compliance.
What we offer
- Zakātable base calculations for different business models.
- Treatment of inventory, receivables, cash, and investments.
- Annual schedules, disclosures, and payment workflows.
Client benefits
- Correct amounts, on time, with proof.
- Better reputation and barakah for the enterprise.
- Less confusion for finance teams and shareholders.
Giving Strategy
Planned disbursements that honour zakāt obligations.
Policy Manuals
Step-by-step guidance for finance and compliance teams.
Calculation Checklists
Workflows to compute zakāt bases accurately.
Stakeholder Clarity
Align shareholders, boards, and beneficiaries.
Icons illustrating purposeful zakāt planning and execution.
Enduring Impact
Awqāf (Endowments) and Social-Impact Structures
Establish waqf structures with governance, investment, and reporting stewardship that lasts generations.
What we offer
- Waqf deeds, governance, and investment policies.
- Sharīʿah-compliant income engines for the waqf.
- Reporting on beneficiaries, surplus, and sustainability.
Client benefits
- Durable social impact rooted in classical fiqh.
- Transparent stewardship that attracts donors.
- Structures that can outlive management changes.
Sustainable Growth
Investment strategies that preserve and grow capital.
Beneficiary Reach
Support communities locally and across borders.
Trusted Trustees
Governance that reassures donors and regulators.
Asset Foundations
Real-estate and business assets fuelling impact.
Icons capturing stewardship and longevity for awqāf.
ALM by the numbers
- Customers
- 0
- End Users
- 0+
- Countries
- 0