Who we are
Credit Amanah was founded on a conviction that has guided Islamic commerce for centuries — that finance, when structured with integrity, becomes an instrument of trust rather than a tool of exploitation. We are not a conventional institution offering Islamic products as an afterthought. We are a dedicated Shariah-compliant financial institution, built from first principles, to serve businesses and institutions that refuse to separate their commercial ambitions from their ethical obligations.
Mission
To deliver Shariah-compliant financial solutions of the highest institutional standard — enabling businesses and institutions to access capital, fulfil commercial obligations, and create economic value with complete integrity.
Vision
To be the most trusted Shariah-compliant financial institution for trade, capital, and advisory across global markets.
Our Core Value
The Principles That Guide Every Decision We Make.
Amanah (Trust)
Every client engagement we undertake is governed by complete transparency, full disclosure, and unwavering fidelity to the obligations we assume.
Adalah (Justice)
Our structures are inherently fair. We prohibit exploitation, ensure equitable risk distribution, and uphold the rights of every contracting party.
Ihsan (Excellence)
We hold every product, document, and advisory output to the highest standards of Shariah scholarship and financial precision.
Shafafiyyah (Transparency)
Fee structures, profit margins, contract terms, and risk allocations are disclosed fully and documented with institutional clarity.
Hifz al-Mal (Capital Stewardship)
We treat every client’s capital as a trust. Our structures are designed to protect, deploy, and grow assets within lawful and prudent parameters.
Shariah Governance
All products and client engagements at Credit Amanah are governed and reviewed by an internal Shariah Supervisory Board, ensuring every instrument we offer is authenticated under Islamic commercial law before deployment. Our instruments are structured in accordance with internationally recognised AAOIFI (Accounting and Auditing Organisation for Islamic Financial Institutions) Shariah Standards, the global benchmark for Islamic finance compliance.
A Message from Our Chairman
As-salamu alaykum wa Rahmatullahi wa Barakatuh
Bismillah ir-Rahman ir-Raheem
From Prophet Adam to the final Messenger, Prophet Muhammad ﷺ, every Prophet delivered one consistent message to humanity: worship the One Lord Almighty alone. Yet throughout history, mankind has distorted divine guidance to suit worldly desires. Finance is no exception.
Today, virtually every corner of the global financial system operates on Riba (interest), Maysir (speculation), and Gharar (uncertainty) — instruments explicitly prohibited by Allah, the Most High. Credit Amanah was established as a direct response to this reality.
We provide professionally structured Trade Finance, Guarantee Issuance, Equity Capital Mobilisation, and Islamic Finance Advisory built entirely on principles of transparency, fairness, and ethical accountability. Our doors are open to all of humanity regardless of faith, background, or nationality. We exist for every individual and business that believes commerce should be conducted with honesty and conscience.
With trust and sincerity,
Nadeem Salim
Chairman & Managing Director
Credit Amanah Limited
Rooted in Shariah. Focused on Your Growth.
At Credit Amanah, every solution we structure is built on transparency, integrity, and Islamic commercial principles. We facilitate Letters of Credit, Bank Guarantees, Trade Finance, Equity Capital, and Advisory services structured under Wakalah (Agency) and Kafalah (Guarantee) frameworks serving businesses that value both commercial performance and ethical accountability.
Every product and client engagement is governed by our internal Shariah Supervisory Board, ensuring all instruments are authenticated under Islamic commercial law before deployment. Our structuring approach is guided by internationally recognised AAOIFI Shariah Standard, the global benchmark for Islamic finance compliance.
We act as a trusted partner in every client engagement bringing professional discipline, Shariah integrity, and complete clarity to every transaction.
Our purpose is simple: To bridge global trade opportunities with principled finance, supporting your commercial goals without compromising your values.
