Personal from 800 HKD
Business · custom
Screening scorecard for holdings you already own
AAOIFI-aligned activity and financial-ratio tests for personal portfolios or business treasury — with purification notes and a written memo. Classification only: not SFC investment advice, and not a buy/sell recommendation.
Audience
Personal portfolio or business treasury
Same methodology; different intake and deliverable tone. Choose the desk that matches who holds the assets.
Individuals & families — from 800 HKD
Screen listed equities, ETFs, or fund units you hold personally. Ideal before Ramadan purification, before adding to a position, or when reviewing a brokerage statement. Contact via the Individuals desk.Companies & treasuries — custom quote
Screen corporate treasury holdings, surplus cash in equities, or group investments for board packs. Volume and private holdings priced after scoping. Contact via the Businesses desk.Methodology
Two-layer scorecard
We apply widely used AAOIFI-style thresholds unless you specify another standard. Results are advisory classifications dated to the data we used.
Layer 1 · Qualitative
Business activity
- Prohibited core sectors (alcohol, gambling, conventional finance, pork, adult, weapons)
- Material non-compliant segments or subsidiaries
- Recent M&A that changes the activity profile
- Pass / fail at issuer level before ratios run
Layer 2 · Quantitative
Financial ratios
For issuers that pass activity, we test debt, interest / non-compliant income, and liquidity screens against agreed benchmarks.
<30%Debt ÷ market cap (or assets)
<5%Interest & non-compliant income
IlliquidAsset screens where applicable
Deliverables
What you receive
Purification estimate
Charity amount for mixed-income holdings — separate from Zakat on the asset base.Advisory memo
Short written opinion with methodology date and limitations — suitable for personal files or board minutes.Is this SFC-regulated investment advice?
No. We provide independent Shariah screening opinions. We are not licensed by the SFC and do not recommend buying, selling, or holding securities as an investment adviser.
Do you tell me what to buy?
No. We classify holdings you already own (or are considering on your own initiative) against Shariah criteria. Investment decisions remain yours.
Can you screen a whole portfolio?
Yes. Personal portfolios often start from 800 HKD per holding or a quoted slice; business treasury packages are custom by volume and instrument type.
What about sukuk and Islamic ETFs?
We screen these too — structure review may differ from plain equity. Tell us the instrument type when you contact us.
Need holdings screened?
Personal from 800 HKD · business custom — scorecard, purification note, advisory memo.