Structuring Capital.
Honouring Covenant.
Advancing Trade.
A Shariah-compliant financial institution specialising in Trade Finance, Guarantee Issuance, Equity Capital Mobilisation, and Islamic Finance Advisory. Built for the demands of global commerce.
Case study about how islamic finance is ethical »
Who we are
Shariah Compliance is Our Foundation. Not a Feature.Credit Amanah delivers institutional-grade Islamic finance solutions governed by the principles of Fiqh al-Muamalat (Islamic Commercial Law). Every mandate we accept is executed with complete Shariah integrity, commercial precision, and fiduciary accountability.
The principles we are bound by
Every solution we structure is built on three non-negotiable foundations of Islamic commercial law.
Prohibition of Riba (Interest) No Interest. Ever.
“Allah has permitted trade and forbidden Riba.” — Surah Al-Baqarah, 2:275
Riba the generation of a predetermined, risk-free return on money — is categorically and irrevocably prohibited under Islamic commercial law.
Avoidance of Gharar (Uncertainty) Full Transparency. Always.
“The Prophet ﷺ prohibited transactions involving Gharar.” – Sunan ibn Majah, 2195 (Sahih)
Gharar refers to vagueness or hidden conditions in a contract that expose parties to unfair risk. Every instrument we offer is documented with complete clarity, fully disclosed terms, and defined obligations for all parties involved.
Prohibition of Maysir (Speculation) No Gambling. No Exceptions.
“O you who believe — indeed intoxicants, gambling, and divining arrows are but defilement from the work of Satan, so avoid it.” – Surah Al-Ma’idah, 5:90
Maysir refers to pursuing financial gain without genuine underlying business activity. All our facilities are structured against real assets, verified trade flows, and documented commercial obligations.
What We Do
Our fundamentals practices is fair tradingCredit Amanah’s four practice areas address the full spectrum of Shariah-compliant financial requirements — from trade cycle financing and contractual guarantee issuance to equity capital formation and institutional advisory. Each practice area operates under independent Shariah supervision and is structured in conformity with AAOIFI standards.
Four integrated practice areas
One standard of Shariah compliance and institutional excellence.
Guarantee Issuance
Wakalah · Kafalah
We issue Shariah-compliant guarantees for tender submissions, contract performance, and advance payment obligations — structured under authenticated Kafalah frameworks. Accepted by sovereign authorities, multilateral institutions, and global commercial counterparties.
Trade Finance
Wakalah · Kafalah · Murabaha
We structure bespoke Shariah-compliant trade finance facilities for importers, exporters, commodity traders, and supply chain participants across international markets — providing working capital, credit enhancement, and payment assurance through authenticated Islamic instruments. Our trade finance solutions replace conventional interest-bearing credit with lawful sale, agency, and surety structures fully acceptable to international banks and institutional counterparties.
Equity Capital Mobilisation
Musharakah · Mudarabah · Diminishing Musharakah
We facilitate Shariah-compliant capital raising for growth enterprises and project developers — connecting businesses with investors committed to halal, productive capital deployment. All structures are governed by profit-and-loss sharing. No fixed-return instruments. No debt structures.
Islamic Finance Advisory
Shariah Structuring · Fatwa Preparation · Compliance · Capacity Building
We deliver Shariah structuring, product certification, and regulatory advisory to financial institutions, corporates, and sovereign entities globally. From transaction opinions to full Islamic banking implementation — authoritative, precise, and commercially grounded.
Ready to Structure Your Next Transaction?
Partner with a financial institution that delivers Shariah compliance and commercial excellence — without compromise.
Why Credit Amanah?
The Credit Amanah Standard.We do not offer Islamic products as an adjunct to conventional finance. Shariah compliance is our foundation — not a feature.
- AAOIFI-aligned instrument structuring
- Independent Shariah Supervisory Board oversight
- Zero tolerance for Riba, Gharar, and Maysir
- Serving SMEs, corporates, and institutions across global markets
- Full contractual transparency on all mandates
- Expertise in Fiqh al-Muamalat, trade finance, and capital markets
