Murabaha Contracts and Their Sharia Controls
We review Murabaha contracts offered by Islamic banks and finance companies, confirming they meet fundamental Sharia controls, such as the bank actually owning the commodity before selling it to the client, a fundamental condition for this structure's validity.
Lease-to-Own (Ijara) Contracts
We help individuals and businesses understand and negotiate lease-to-own contracts, a common structure for financing vehicles and equipment, clarifying the fundamental difference between the lessor's ownership during the lease period and its transfer to the lessee at its end.
Musharaka and Joint Investment Contracts
We review Musharaka contracts based on the bank and client jointly contributing to a project or specific asset, clarifying profit and loss distribution between them per pre-agreed percentages.
Istisna Contracts for Financing Industrial Projects
We help industrial businesses understand Istisna contracts, a financing structure suitable for financing construction or manufacturing of a specific asset in exchange for scheduled payments, common in financing infrastructure and factory projects.
Takaful Insurance Policies
We review Takaful policies, the Sharia-compliant cooperative insurance structure, confirming clarity of coverage terms and exclusions, and help policyholders claim their due compensation when needed.
Default Disputes in Islamic Finance
When a client defaults on their obligations in an Islamic finance contract, we help them understand their statutory options, which might differ from default mechanisms in conventional financing given these Sharia contracts' nature.
Differences Between Various Banks' Sharia Boards
We clarify to clients that some Sharia details might differ between banks based on their specific Sharia board's opinion, and help them understand these differences when comparing multiple financing offers.
Arbitration in Islamic Finance Disputes
When an Islamic finance contract stipulates an arbitration clause, we represent clients before tribunals specialized in Islamic financial transactions, ensuring precise understanding of these disputes' special Sharia nature.
Investment Sukuk and Advanced Islamic Finance Instruments
We help major businesses wishing to issue Sharia-compliant investment sukuk understand the necessary legal and Sharia structuring, from Ijara sukuk to Musharaka sukuk, coordinating with our capital markets expertise.
How We Start With You
Send us the Islamic finance contract or Takaful policy you need reviewed on WhatsApp. We help you understand your full obligations and rights per this Sharia structure.
Frequently Asked Questions
What's the difference between a Murabaha contract and conventional financing?
Murabaha is based on selling a commodity at a known profit margin rather than interest on a cash loan — we review the contract to confirm it follows this structure.
Do you review Takaful insurance policies?
Yes, we review Takaful policies and help with related compensation claims.
What's the difference between lease-to-own and ordinary rental?
Lease-to-own ends with the asset's ownership transferring to the lessee, while ordinary rental doesn't include this transfer, and we clarify this difference precisely.
We're planning to finance an industrial project through an Istisna contract. What are its most important clauses?
The payment schedule and specifications of the asset to be manufactured matter most, and we help you draft a contract protecting your interests.
I defaulted on my obligation in an Islamic finance contract. What are my options?
We help you understand available statutory options, which might differ from default mechanisms in conventional financing.
The finance contract stipulates arbitration upon dispute. Do you represent us in this path?
Yes, we represent you before tribunals specialized in Islamic financial transactions to ensure precise understanding of the dispute's nature.
We're planning to issue investment sukuk to finance our expansion. Which type of sukuk is most suitable?
It depends on the asset's nature and the financing's purpose, and we help you choose the most suitable Sharia and legal structuring for your project.