halal
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Reference
AAOIFI Sharia Standards.
Numbers and titles for the AAOIFI Sharia Standards that HalalRates cites in product reviews and methodology. Full text of each is available from AAOIFI directly. This page is a stable citation target; we do not reproduce the standards substantive content here.
AAOIFI Standard 1
Trading in Currencies
Sharia rules for spot and deferred foreign-exchange transactions.
/insurance/banking
AAOIFI Standard 8
Murabaha to the Purchase Orderer
Murabaha cost-plus-markup sales where the seller acquires an asset specifically to resell at a disclosed profit.
/home-financing/auto-financing
AAOIFI Standard 9
Ijara and Ijara Muntahia Bittamleek
Lease contracts and lease-ending-in-ownership structures used in halal home, auto, and equipment financing.
/home-financing/auto-financing/business-financing
AAOIFI Standard 12
Sharikah (Musharakah) and Modern Corporations
Partnership contracts including the diminishing-Musharakah structure that anchors most US halal mortgage products.
/home-financing
AAOIFI Standard 13
Mudaraba
Capital-and-effort partnership where one party supplies capital and the other supplies management.
/investing/opportunities
AAOIFI Standard 17
Investment Sukuk
Asset-backed investment certificates and their permissible structures (Ijara, Musharakah, Mudarabah, Wakalah sukuk).
/investing/opportunities
AAOIFI Standard 21
Financial Papers (Shares and Bonds)
Sharia screening methodology for equity and fixed-income securities. The basis for stock-halal screens at AAOIFI thresholds.
/investing/blog
AAOIFI Standard 26
Islamic Insurance (Takaful)
Cooperative insurance models compliant with Sharia, including donation pool, surplus distribution, and reinsurance arrangements.
/insurance
AAOIFI Standard 35
Zakah
Calculation and disbursement rules for zakat across asset classes including cash, trade goods, agricultural produce, and modern instruments.
/zakat/tools/zakat-calculator
Each AAOIFI standard above governs one or more Sharia contract structures used by providers in our directory. See the Sharia structures catalog for the corresponding contract-by-contract breakdown.
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