Shariah Compliance Navigator

Does Your Business Model Align with Shariah Standards?

Many companies in Malaysia operate across Islamic and conventional finance simultaneously, yet lack integrated guidance on permissibility, contract structure, and compliance documentation. This misalignment costs capital, delays partnerships, and invites regulatory scrutiny.

We don't apply Shariah compliance as a layer on top of existing structures. Instead, we redesign your operational framework—contract templates, revenue streams, and governance—to embed Islamic finance principles from the ground up.

Frequently Asked Questions

Yes, but segregation of funds, contracts, and governance is critical. BNM permits dual-track operations if you maintain separate product approval records, distinct customer communication, and segregated financial reporting.

We assess enforceability and materiality first. If material, we negotiate amendment with the supplier—converting to profit-sharing, fee-based models, or commodity murabaha structures that satisfy both parties.

Initial fatwa review typically takes 6–10 weeks if your submission is well-prepared. We compress this timeline by pre-screening, drafting precise contract language, and coordinating with scholars before formal submission.

Regulatory expectation varies by licence type and asset size. For most businesses, we establish documented Shariah oversight procedures, quarterly review cycles, and advisory relationships with external Shariah scholars.

Why Choose Maxiforge

Shariah Structuring Embedded

We redesign your operational framework, contract templates, and revenue streams to embed Islamic finance principles from the ground up.

Direct Regulator Coordination

Our relationships with BNM and recognised Shariah scholars accelerate fatwa review, pre-approval, and documentation timelines.

Cross-Border Islamic Finance

Operating across Malaysia, GCC markets, or Southeast Asia requires different frameworks. We position your contracts and structures accordingly.

Governance Documentation

We draft board resolutions, product approval frameworks, and disclosure policies that regulators accept without revision.

Contract Permissibility Audit

Existing vendor and customer agreements often contain Shariah concerns. We audit, identify risks, and restructure without renegotiation burden.