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Shariah Compliance

Comprehensive guide to our Islamic finance principles and compliance framework.

1 of 7
Islamic Compliance
  • 100% Halal
  • Scholar Certified
  • AAOIFI Standards
  • Continuous Monitoring
Table of Contents

Shariah Compliance

Comprehensive guide to our Islamic finance principles and compliance framework.

1 of 7
Islamic Compliance
  • 100% Halal
  • Scholar Certified
  • AAOIFI Standards
  • Continuous Monitoring

Shariah Compliance

100% Halal
Scholar Certified
AAOIFI Compliant

At Ethis, every investment opportunity is rigorously reviewed and approved by our independent Shariah Advisory Board to ensure full compliance with Islamic finance principles. Our commitment to halal investing means you can invest with complete confidence that your investments align with your values.

Independent Shariah Board
•
AAOIFI Standards
•
Continuous Monitoring

Islamic Finance Principles

Core Principles We Follow

Prohibition of Riba (Interest)

All investments are free from interest-based transactions. Returns are generated through profit-sharing, asset-backed investments, and ethical business activities.

Risk and Profit Sharing

Investors share both profits and losses based on actual business performance, promoting fair and ethical wealth distribution.

Asset-Backed Investments

All investments are backed by real economic activities and tangible assets, avoiding speculative and artificial financial products.

Ethical Business Activities

We only finance halal businesses that benefit society and contribute to sustainable economic development.

No Riba

Interest-free financing

Prohibition of usury/interest

No Gharar

Excessive uncertainty avoided

Clear contracts with defined terms

No Haram

Prohibited activities excluded

No alcohol, gambling, tobacco

Mudarabah

Profit-loss sharing

Fair distribution of risks and rewards

Shariah Advisory Board

Independent Scholarly Oversight

Our Shariah Advisory Board consists of renowned Islamic scholars and experts in Islamic finance who provide independent oversight and guidance on all investment opportunities and platform operations.

Board Responsibilities

  • Review and approve all investment opportunities
  • Develop Shariah compliance policies and procedures
  • Monitor ongoing compliance of funded businesses
  • Provide guidance on complex Shariah matters
  • Issue annual Shariah compliance reports

Independence & Transparency

  • Independent decision-making authority
  • No conflicts of interest with platform operations
  • Quarterly board meeting minutes published
  • Public Shariah compliance certificates
  • Annual external Shariah audit

Compliance Screening Process

Multi-Stage Review Process

Every investment opportunity undergoes a comprehensive multi-stage Shariah compliance review before being made available to investors. This rigorous process ensures 100% compliance with Islamic finance principles.

1

Initial Business Screening

3–5 business days

Comprehensive review of business activities, revenue sources, and operational practices to identify any prohibited activities or structures.

Business model analysis
Revenue source verification
Operational structure review
Industry classification
2

Financial Analysis

2–3 business days

Detailed examination of financial statements, debt levels, and income sources to ensure compliance with Islamic finance ratios and principles.

Debt-to-equity ratios
Revenue composition
Interest-based income screening
Asset backing verification
3

Shariah Board Review

5–7 business days

Independent review by our Shariah Advisory Board members who examine all documentation and provide final approval or recommendations.

Scholar independent review
Compliance certification
Conditions setting
Monitoring requirements
4

Ongoing Monitoring

Continuous

Continuous monitoring of approved investments to ensure maintained compliance throughout the investment period.

Quarterly compliance reviews
Business activity monitoring
Financial ratio tracking
Corrective action protocols

Prohibited Activities

Activities We Never Finance

In accordance with Islamic principles, we strictly prohibit financing any business or activity that is considered haram (forbidden) in Islam. Our screening process ensures zero exposure to these sectors.

Financial Services

  • Conventional banking
  • Insurance companies
  • Interest-based lending
  • Derivatives trading
  • Forex speculation

Entertainment & Lifestyle

  • Gambling & casinos
  • Adult entertainment
  • Alcohol production/sales
  • Tobacco industry
  • Music & entertainment (controversial)

Food & Agriculture

  • Pork production
  • Non-halal meat processing
  • Alcohol beverages
  • Restaurants serving pork/alcohol
  • Non-halal food chains

Halal Investment Criteria

What Makes an Investment Halal?

Our investments must meet strict criteria to be considered halal and suitable for Muslim investors. These criteria are based on classical Islamic jurisprudence and modern Islamic finance standards.

Business Activities

  • Halal manufacturing and production
  • Technology and innovation
  • Healthcare and pharmaceuticals
  • Education and training
  • Real estate development

Financial Ratios

  • Debt-to-market cap ratio < 33%
  • Interest income < 5% of total revenue
  • Cash + interest-bearing securities < 33%
  • Accounts receivable < 49% of total assets

Social Impact

  • Positive societal contribution
  • Environmental sustainability
  • Ethical employment practices
  • Community development
  • Fair trade practices

Governance

  • Transparent management structure
  • Regular financial reporting
  • Ethical business practices
  • Compliance with regulations

Certification & Monitoring

Shariah Certification Process

1

Application Review — business & financial analysis

2

Scholar Review — independent board evaluation

3

Certificate Issuance — formal approval

4

Ongoing Monitoring — continuous verification

Continuous Monitoring

Quarterly Reviews

Regular assessment of business activities and financial ratios

Annual Audits

Comprehensive yearly Shariah compliance audit

Incident Response

Immediate action for any compliance violations

Investor Updates

Regular compliance status reports to investors

Resources & Contact

Shariah Compliance Resources

Educational Resources

  • Islamic Finance Principles Guide
  • Monthly Shariah Compliance Reports
  • Investment Certificates Database
  • Scholar Fatwa Collections

Contact Information

  • [email protected]
  • Response within 2 business days
  • Monthly virtual Q&A sessions
  • Multi-language support (TR, EN, AR)
Note: Our Shariah Advisory Board is available for consultations on complex Islamic finance matters. All rulings and fatwas are published transparently for investor review.

Start Islamic-Compliant Investing

Invest in Shariah-compliant opportunities or list your project with full scholarly oversight.

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Ethis Kitle Fonlama Platformu A.Ş., küçük ve orta ölçekli işletmeler (KOBİ'ler) için İslami Finans uyumlu finansmanlara katılma fırsatı sunan düzenlenmiş bir platformdur. Desteklemek istediğiniz projeleri seçersiniz, yatırım miktarını belirlersiniz ve gerisini biz yönetiriz.
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Ethis Kitle Fonlama Platformu A.Ş. has applied for an operating licence to the Sermaye Piyasası Kurulu, but the application has not yet been finalised. We are not yet a licensed crowdfunding platform. This website has been opened for testing purposes only. Neither Issuers nor Investors will be able to make transactions through our platform before we obtain the operating licence from the Sermaye Piyasası Kurulu.