Built on trust and Islamic values

With transparent contracts and dual-layer Shariah governance, Hejaz ensures fairness and alignment with your values in every transaction.

How is halal financing different?

Islamic finance is often misunderstood as being the same as conventional finance. It’s not, if done right.

Our unique funding model, financing agreements, and ownership structure, provide alignment with Islamic principles.

OUR CERTIFICATIONS

Built by experts, approved by scholars

We employ a 3-tier Sharia governance process to ensure the Sharia compliance of our investment.

Our Principles

To align with Sharia standards for Islamic financial institutions

Our investment screening

To filter the investment so that we are left with only Sharia Compliant investments

Our global sharia board

To oversee our Sharia governance process and to Audit us periodically

See AAOIFI Screening Methodology

Download Shariah Certificate

See AAOIFI Screening Methodology

Download Shariah Certificate

What makes it halal?

Interest-free (No Riba)

Under Islamic law, Riba (Interest) is prohibited as it exploits borrowers with growing debts while allowing lenders to gain wealth without contributing value.

Shariah Compliant Transactions

Shariah Governance

A comprehensive framework ensures all operations and products align with Islamic principles.

Clear & Transparent Contracts

All terms and conditions are clearly stated with no hidden clauses or ambiguous terms.

Non Bank Funding

Alternative funding sources that comply with Islamic financial principles.

Interest-free (No Riba)

Under Islamic law, Riba (Interest) is prohibited as it exploits borrowers with growing debts while allowing lenders to gain wealth without contributing value.

Shariah Compliant Transactions

Shariah Governance

Clear & Transparent Contracts

Non Bank Funding

“Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan into insanity. That is because they say, “Trade is [just] like interest.”

But Allah has permitted trade and has forbidden interest. So whoever has received an admonition from his Lord and desists may have what is past, and his affair rests with Allah . But whoever returns to [dealing in interest or usury] – those are the companions of the Fire; they will abide eternally therein.”

– Surah Al-Baqarah [2:275]

Trade (Ijarah Model)

vs Riba

Islamic finance is rooted in Shariah principles derived from the Qur’an and the teachings of Prophet Muhammad (peace be upon him).

While the outcomes of conventional loans and halal mortgages may appear similar, their processes differ fundamentally, just like halal chicken and nonhalal chicken, at the end of the day, it is still a chicken.

See how we’re different

With Hejaz, you don’t just get a loan—you gain a partnership rooted in trust and purpose.

With Hejaz

Home buyer and financier agrees to share beneficial ownership of the property.

With Conventional Bank

Home buyer arranges a loan from a bank or mortgage company according to a fixed or variable interest rate.

Ready to start your Shariah-compliant future with us?

Your journey to Grow Faithnancially starts today!

Book an Appointment