بِسْمِ اللَّهِ الرَّحْمَنِ الرَّحِيمِ
ميزان
It's quarter-end. Your Shariah board needs to attest forty contracts before Friday's regulatory filing. Last quarter, your team spent three weekends preparing evidence packs.
Operate Shariah governance at the standard your regulator expects, with the evidence trail your board demands, without expanding the board.
The Agentic Shariah Governance Operating System · Built on the same evidence engine 466,000+ Muslims trust for their personal study.
Powered by Eve-Theology™ F5/reasoner. The board remains the decider; Mizan removes the bottleneck of evidence gathering.
The function you replace, line by line.
The in-house Shariah governance function for a mid-size Islamic financial institution ($1B–$10B AUM):
| Line item | Annual run rate |
|---|---|
| Shariah board (5–7 scholars at retainer + per-meeting) | $700K – $900K |
| Head of Shariah compliance (senior executive) | $200K – $250K |
| Compliance analysts (2–3 mid-level) | $270K – $390K |
| External AAOIFI auditor / consultant | $60K – $150K |
| Tooling, training, governance ops overhead | $80K – $120K |
| Total ongoing, fully loaded | $1.3M – $1.8M / yr |
Time to stand up
12–18 months
Scholar recruitment success
40–60% in non-Gulf markets
Mizan
Contact for pricing. Deployable in weeks.
Compensation ranges sourced from AAOIFI Governance Standard 1, IFSB-10, Robert Walters MENA & APAC Salary Guides 2024, the annual reports of Al Rajhi Bank, Dubai Islamic Bank, CIMB Islamic, and Bank Muamalat, and published engagement letters from Shariyah Review Bureau and Amanie Advisors. Talent-risk percentages from IFAAS Recruitment Reports and GFA market intelligence.
Customer data resident in your region of choice.
The regulator's question is where customer data lives, not where compute happens. Mizan answers it directly. Data never leaves your chosen region.
Middle East — UAE North
Full stack in-region: data, compute, and frontend. Flagship MENA deployment region.
Middle East — Qatar Central
Data in-region. Compute via UAE North (sub-150ms latency, same Geo).
Asia Pacific — Indonesia Central
Data in-region. Compute paired through Southeast Asia.
Asia Pacific — Malaysia West
Data in-region. Compute paired through Southeast Asia.
Other Azure regions on request, including Saudi Arabia (pending subscription enablement). All deployments via Microsoft Azure with managed identity, Key Vault secrets, AES-256 at rest, TLS 1.3 in transit.
AAOIFI POSTURE
AAOIFI-aligned posture under enterprise agreement.
AAOIFI mapping coverage is shipped per-engagement during onboarding. Compliance certification work is in flight; the engagement letter and current mapping coverage are shared under the enterprise agreement. Mizan does not claim independent AAOIFI certification it has not yet earned.
Eight views, one evidence engine.
[ Governance Dashboard ]
KPIs, compliance scores, risk exposure metrics, and zakat distribution overview — one screen.
[ Contract Analyzer ]
Upload contracts for clause-by-clause riba and gharar scoring with full evidence chains.
[ Risk Detection ]
Portfolio screening, prohibited element detection, and configurable alert system.
[ Shariah Board ]
Review queue, voting workflows, and precedent lookup. NO automated approvals — scholars decide.
[ Zakat Management ]
Wealth categories, nisab thresholds, hawl tracking, and eight Quranic distribution categories.
[ Waqf Governance ]
Asset registry, beneficiary tracking, accountability reporting, and compliance against deed terms.
[ Regulatory Compliance ]
AAOIFI standards library with jurisdictional mapping: Malaysia, Bahrain, UAE, Saudi, Qatar, Kuwait, Indonesia, Pakistan.
[ Audit Trail ]
Append-only, hash-chained, tamper-evident verification log for every governance action.
Human scholars decide. Mizan provides the evidence.
[ EBGO — Evidence-Based Governance Opinion ]
Mizan produces Evidence-Based Governance Opinions — structured analyses that surface relevant fiqh evidence, identify compliance risks, and present precedent from recognized authorities.
Unlike automated approval systems, an EBGO never makes a ruling. It assembles the evidence and presents it to the Shariah board, who retain full sovereignty over every decision.
Every EBGO is logged in the tamper-evident audit trail with the scholar's identity, timestamp, and rationale — meeting the standards required by AAOIFI and national regulators.
Automated System
Approves or rejects contracts. No transparency. No recourse.
Mizan
Presents evidence. Scholars approve. Every action auditable.
بِسْمِ ٱللَّٰهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ
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