Islamic finance refers to a system of banking and financial services that operates in accordance with the principles of Islamic law, or Shariah. Unlike conventional finance, Islamic finance avoids interest-based transactions (riba), promotes ethical investments, and emphasises risk-sharing and transparency.
Why Choose Islamic Finance?
Islamic finance isn’t just for Muslims—it’s a robust, ethical alternative to conventional banking. It ensures that your money is handled with integrity, free from speculation (gharar), interest, and investments in prohibited industries like alcohol or gambling.
About Usmani & Co.
At Usmani & Co., we provide Shariah-compliant financial solutions backed by leading Islamic scholars and finance professionals. Our mission is to make Islamic finance accessible, understandable, and beneficial for everyone.
Our Islamic Finance Products
- Islamic Banking Advisory
We offer expert consultation to financial institutions on how to build, operate, and manage Islamic banking services. From product development to Shariah compliance frameworks, we cover it all.
- Shariah Audit & Compliance
Our Shariah audit services ensure that your operations are aligned with Islamic principles. We conduct thorough audits and provide comprehensive reports for full transparency.
- Sukuk Structuring (Islamic Bonds)
We help companies raise capital through Sukuk—Islamic financial certificates that comply with Shariah. Our team structures these to suit your business needs while maintaining compliance.
- Islamic Mutual Funds
Interested in ethical investments? We guide you in creating or investing in Shariah-compliant mutual funds with risk-averse, halal opportunities.
- Takaful (Islamic Insurance)
We provide consultancy in setting up Takaful services, an Islamic alternative to conventional insurance based on mutual assistance and risk-sharing.
- Halal Investment Screening
Want to make sure your investments are halal? We offer screening and vetting services to identify Shariah-compliant opportunities across global markets.
Our Process: Shariah Compliance from Start to Finish
Initial Assessment
We evaluate your current financial practices to identify areas that require Shariah compliance modifications.
Product Structuring
Next, we design financial products that align with both Islamic laws and your business goals.
Shariah Review & Certification
Once products are developed, our scholars review them and issue official Shariah compliance certifications.
Ongoing Audit & Monitoring
Compliance doesn’t stop at launch. We continue auditing and advising to maintain ethical financial practices over time.
Why Partner with Usmani & Co.?
Renowned Shariah Scholars
Our team includes leading Islamic finance scholars Muhammad Taqi Usmani, providing unmatched credibility and authenticity.
Tailored Financial Solutions
We don’t believe in one-size-fits-all. Every client gets a customised solution that meets their unique needs.
Global Reach
We’ve worked with clients across Pakistan, the Middle East, Europe, and beyond—offering global insight with local understanding.
Industries We Serve
Banks & Financial Institutions
Insurance Providers (Takaful)
Asset Management Firms
Corporate Clients & Startups
Non-Banking Financial Institutions (NBFIs)
Our Commitment to Ethical Finance
At Usmani & Co., we believe finance should serve humanity, not exploit it. We’re committed to helping individuals and organisations grow their wealth in a way that is both halal and beneficial for society.
Let’s Build a Better Financial Future
If you’re looking to align your financial operations with Islamic values, we’re here to guide you every step of the way. Whether you’re an established institution or a startup, Usmani & Co. has the expertise you need.
FAQs
- What makes Islamic finance different from conventional finance?
Islamic finance follows Shariah law, which prohibits interest, promotes ethical investments, and encourages risk-sharing and fairness.
- Is Islamic finance only for Muslims?
No. Anyone can use Islamic financial services. The ethical nature of the system appeals to people of all faiths.
- What is Sukuk, and how is it different from bonds?
Sukuk is a Shariah-compliant financial certificate. Unlike conventional bonds that pay interest, Sukuk investors earn returns through shared ownership of an asset.
