الامتثال للشريعة الإسلامية

التعريف

The requirement that financial products, transactions, and institutional operations conform to the principles of Islamic jurisprudence (fiqh al-muamalat). Core prohibitions include: riba (interest/usury), gharar (excessive uncertainty), maysir (gambling/speculation), and investment in haram (prohibited) activities such as alcohol, pork, conventional insurance, and weapons. Compliance is verified by an independent Sharia Supervisory Board (SSB) composed of qualified Islamic scholars who issue fatwas (rulings) on product structures and review ongoing compliance. The AAOIFI Governance Standards set requirements for SSB composition, independence, and reporting obligations.