Reading a Takaful surplus distribution policy
Surplus distribution is where Takaful operators most often drift from their own model. Four things to check before you sign off the policy.
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Insights, Research & Commentary
Working notes from our directors on Islamic banking, Takaful regulation, fintech and corporate governance - written for practitioners, not for search engines.
Digitalising an Islamic bank without breaking the contract
Automation makes a compliant process fast, and a non-compliant process fast too. What to fix before you build the product engine.
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What a Shari'ah audit should actually test
A Shari'ah audit that only checks whether a fatwa exists has tested nothing. Here is the scope that gives a board real assurance.
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