Shariah Compliance
Learn more about how we uphold Shariah principles while providing the muslim community with financial peace of mind.
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Shariah Compliance Certification
At Sakinah, we are fully committed to upholding Shariah principles in every aspect of our Takaful operations. We have appointed a reputable Shariah Supervisory Board to ensure that our processes, investments, and product structures align with Islamic law.
This board consists of scholars who specialize in Islamic finance and jurisprudence, overseeing that our offerings are free from interest (riba), uncertainty (gharar), and gambling (maysir). Their certification provides an extra layer of accountability and transparency, giving participants the assurance that their contributions are being managed ethically and in accordance with their faith.
Our Strategy
By integrating Mudaraba (profit-sharing) and Wakala (agency) models, we ensure that participants benefit from Shariah-compliant investments while receiving transparent and responsible fund management.
This dual-model approach allows us to strike a balance between fair profit distribution and operational efficiency, all within a framework that prioritizes ethical and Islamic values.
