Islamic finance is a financial system that strictly follows Shariah law. It prohibits interest (riba), excessive uncertainty (gharar), gambling (maysir), and investment in prohibited industries like alcohol, weapons, and pork. Instead, it promotes profit-and-loss sharing, asset-backed transactions, and ethical investments.

No. Baashir Advisory Group Limited operates exclusively as a B2B Shariah compliance consultancy and strategic advisory firm. We are NOT licensed by the Securities and Futures Commission (SFC) in Hong Kong, nor are we an authorized insurer (IA) or estate agent (EAA). We provide religious compliance guidance; we do not provide financial advice on the merits of a transaction, nor do we handle client funds.

We are fiercely independent. We are not owned by a bank, and our scholars and advisors work solely to ensure your financial decisions align with global AAOIFI standards. We combine classical Shariah knowledge with bespoke, modern technology.

Yes, we serve clients globally. While our headquarters is firmly rooted in Hong Kong, our advisory services, including cross-border capital matchmaking, remote Zakat calculations, and institutional Shariah audits, span across the Middle East, mainland China, Malaysia, and other international markets.

We offer transparent, flat-fee pricing for most individual and small business services (such as Nikah packages, personal Zakat calculation, and standard contract reviews). For complex enterprise solutions, Sukuk advisory, and ongoing compliance monitoring, we work on a structured retainer or custom project-fee basis.

Zakat is a mandatory charitable contribution of 2.5% on qualifying wealth held for one lunar year. Every Muslim whose wealth exceeds the nisab threshold must pay zakat. It is one of the five pillars of Islam, designed to purify wealth and support the vulnerable.

No. Your primary residence, your personal vehicle, and your daily household items are exempt from Zakat. Zakat is only due on wealth that has the potential to grow, such as cash savings, business inventory, investment properties (rental properties), and precious metals.

This depends on your intention. If you hold stocks for short-term trading (capital gains), you pay 2.5% on their total market value. If you hold them for long-term dividends, you typically only pay zakat on the company's zakatable assets (cash and inventory) relative to your share percentage, not the capital equipment or property. Our Zakat Calculation services handle these complex breakdowns for you.

Yes. Corporate entities owned by Muslims are subject to Zakat. The calculation generally involves assessing current assets (cash, receivables, inventory) minus current liabilities. We offer specialized Corporate Zakat audits for businesses of all sizes to ensure accurate compliance.

We offer a Zakat Distribution Add-on where we assist in safely routing your Zakat to verified, eligible recipients under the 8 Asnaf (categories of eligible recipients), ensuring strict Shariah compliance from calculation all the way through to final distribution.

An investment must pass two main screens. Sector Screen: The business must not deal in haram activities (e.g., alcohol, conventional banking, gambling). Financial Screen: The company's debt-to-assets ratio, cash-to-assets ratio, and income from impermissible sources must all fall below strict thresholds defined by bodies like AAOIFI.

No. Conventional mortgages are based on lending money for interest (riba), which is strictly prohibited in Islam. Halal home finance uses alternative structures like Diminishing Musharakah (co-ownership where you buy out the bank's share over time) or Ijarah (lease-to-own), where no money is lent for profit.

If a largely compliant company earns a small percentage of its revenue from impermissible sources (e.g., interest accrued in its bank accounts), that specific portion of your dividends must be 'purified' by donating it to charity without the expectation of religious reward. We can calculate this exact purification ratio for you.

Sukuk are often called "Islamic bonds," but they are fundamentally different. While a conventional bond is a promise to repay a debt with interest, a Sukuk represents partial ownership in a tangible asset, project, or business venture. Investors earn a share of the profit generated by that asset, making it Shariah-compliant.

No. We provide Shariah compliance screening. If you bring us a list of stocks or a fund prospectus, we will audit it against AAOIFI standards and tell you if it is halal to invest in. We do NOT advise on whether it is a "good" or profitable investment financially.

Absolutely. If a Muslim passes away in Hong Kong without a will, their assets are distributed according to Hong Kong intestacy laws, which completely contradict Islamic inheritance rules (Faraid). Having a professionally drafted Islamic will ensures your wealth is distributed according to Shariah, allows you to give up to 1/3 to charity, and lets you appoint guardians for your children.

Faraid is the mandatory Islamic inheritance system explicitly detailed in the Quran. It specifies exact mathematical shares for surviving spouses, children, parents, and other relatives to ensure fair distribution and prevent family disputes.

Our Complete Nikah Package handles everything required for a valid Islamic marriage. We provide pre-marital education, Mahr (dowry) advisory, guidance on filing with the HK government, sourcing and booking a qualified scholar, arranging the Masjid venue, and providing a beautiful commemorative certificate.

No. For the Islamic contract to be valid under Shariah, the two official witnesses must be adult, sane Muslim males. However, non-Muslim friends and family are absolutely welcome and encouraged to attend the ceremony and celebrate with you.

We act as a secure, Shariah-compliant conduit connecting Middle Eastern sovereign wealth and family office capital with exclusive, stabilized assets in Asia. We handle the strategic B2B matchmaking and ensure the entire Joint Venture or Special Purpose Vehicle (SPV) is structured according to strict Shariah standards. *Note: We do not deal in Hong Kong real estate as per EAA exemptions.*

Yes. We conduct full Shariah Compliance Audits for businesses. We review your revenue streams, operational contracts, supply chains, and financing structures. We then provide a roadmap to eliminate non-compliant elements (like interest-bearing loans or impermissible inventory) and establish an internal Islamic Governance framework.

We do not issue food or consumable halal certificates directly. We provide the structural advisory and supply-chain auditing to prepare you for certification, ensuring your processes align with requirements. Once ready, we connect you with the appropriate recognized local or international halal certification bodies.

Timelines vary heavily by the size and complexity of the business. A small business or single-product audit can take 2-3 weeks, while a comprehensive institutional fund audit, enterprise overhaul, or pre-IPO screening may take several months.

Yes. We provide independent Shariah audits for mutual funds, private equity, and venture capital firms. We verify that portfolio holdings and transaction mechanisms continuously align with AAOIFI standards and issue official Shariah certification to attract Muslim investors globally.

Our proprietary AI tool allows you to describe your assets in plain language (e.g., "I have 50g of 24k gold and 100 shares of Apple"). It pulls real-time market data for precious metals and instantly calculates your exact Zakat obligation based on the current Nisab threshold.

Yes. We are developing Institutional APIs designed to plug directly into enterprise trading platforms and fintech applications. This will allow financial institutions to offer real-time, automated Shariah compliance screening to their end-users at scale.

Data privacy is our highest priority. All information submitted through our Zakat calculators, contract reviews, and portal forms is encrypted and securely stored. We never sell, trade, or expose your personal or corporate financial data to third parties.