Solutions
A technology foundation designed around Islamic financing operations.
For institutions whose products are Sharia-compliant by design, the platform models Murabaha procurement, Qard Hassan, markup and profit, schedules, down payments, approval and reporting from the core.
The situation
Conventional loan systems assume interest-bearing products and force Islamic financing into workarounds. That creates reconciliation gaps, weak reporting and audit risk.
Operational risks we address
- Financing recorded as generic invoices rather than modelled contracts
- Manual tracking of markup, profit and down payments
- Schedules and arrears maintained outside the core system
- Reporting that cannot separate principal, profit and commission
Recommended capability stack
Islamic financing
Murabaha and Qard Hassan products and contracts.
Portfolio and collections
Schedules, arrears and PAR-style ageing.
Accounting and finance
Profit allocation posted into a full GL.
Reporting and analytics
Portfolio and financial visibility.
Implementation path
- 1
Assess
Capacity and process assessment.
- 2
Design
Products, approvals and accounting rules.
- 3
Deliver
Configuration, custom development and migration.
- 4
Operate
Go-live, training and long-term support.