Afiyah provides Sharia-compliant property finance guidance and updates so you can plan your next move with clarity and confidence.
Afiyah © 2026. All rights reserved. AFIYAH CAPITAL PTY LTD (ACN 694 519 438 | ABN 17 694 519 438) an authorised Australian Credit Representative (CRN 577318) operating in accordance with applicable Australian credit and consumer lending laws.
AAOIFI alignedIndependent external oversightOngoing monitoringYou should not have to rely on vague Islamic finance claims.
When you choose a finance pathway, you deserve to know how the structure works, who has reviewed it, what documents support it, and whether the product has been properly assessed from a Shariah perspective.
That is why every Islamic finance product recommended through Afiyah is supported by Shariah certification and oversight through ADL Advisory, an independent Shariah advisory firm.
Afiyah does not recommend a product to you as “Islamic” unless it has gone through the required Shariah review, documentation assessment and certification process within the approved scope.
Shariah certification applies to the products, contracts, structures and processes reviewed within the approved scope. Where a product is issued by a lender, licence holder or finance provider, the certification is based on the relevant product documentation, supplementary agreements and approved Shariah governance framework.
When you come to Afiyah, you are usually not just asking, “Can I get approved?”
You are asking something deeper:
“Is this finance pathway genuinely acceptable for me as a Muslim?”
That question deserves a serious answer.
Afiyah helps you access Islamic finance products that have been reviewed and certified through the ADL Advisory Shariah oversight framework. The products we recommend are not treated as Islamic by name only. They are assessed through their structure, contracts, ownership treatment, rental mechanics, fee treatment, default provisions and client-facing process.
Trust in Islamic finance should not depend on labels. It should come from proper review, clear contracts, independent oversight and a defined certification scope.
You choose Afiyah because you want Islamic finance handled properly, not casually.
Afiyah only recommends Islamic finance products that have been reviewed and certified within the approved Shariah governance framework. Each product is assessed based on its structure, documents and certification scope - not simply because it carries an Islamic label.
The relevant product documents are reviewed within the approved Shariah scope. This may include the finance agreement, supplementary agreement, sale documents, Ijarah rental documents, fee treatment, ownership responsibilities, rental mechanics and default handling.
Afiyah's Shariah governance is supported by ADL Advisory, an independent Shariah advisory firm providing Shariah review, certification, audit, training and governance support.
Afiyah explains the recommended product, what has been reviewed, what the certification applies to, which documents support the structure, and how the finance pathway works before you move forward.
Afiyah's Islamic finance product recommendations are supported through ADL Advisory, an independent Shariah advisory firm engaged for Shariah review, certification, governance support, compliance guidance and ongoing monitoring.
For you, this matters because Islamic finance should not be treated as a branding exercise.
The structure, documents, process and client disclosures all need to be considered carefully. Independent oversight gives you greater confidence that the finance pathway recommended to you has been reviewed properly and is supported by a recognised Shariah governance process.
Founder & CEO, ADL Advisory
Dr Mufti Yousuf Sultan is the Founder and CEO of ADL Advisory. ADL Advisory's public profile identifies the firm as a Malaysia-based Shariah advisory entity providing Shariah advisory, consultancy and training services. His background includes Islamic finance, Shariah advisory, governance and AAOIFI-related expertise. ADL Advisory's appointment page also refers to him as a Registered Shariah Adviser with the Securities Commission Malaysia and Labuan FSA, and an AAOIFI Master Trainer and Working Groups member.
Independent Shariah advisory support
ADL Advisory's role extends beyond a one-off review. Their services include Shariah advisory, training, Shariah audit and consultation support. This gives Afiyah a stronger governance framework across product review, documentation, internal processes, client disclosure and ongoing monitoring.
Advisory, review and certification references apply to the defined scope only and should not be read as a blanket statement across all products, lenders or structures.
Before an Islamic finance product is recommended through Afiyah, it must sit within the approved Shariah certification framework. This includes review of the product structure, contracts, fees, ownership treatment, payment mechanics, default treatment, disclosure process and operational flow.
A proper Shariah review does not stop at the product name. The supporting documents matter. This may include sale contracts, Ijarah rental documents, supplementary agreements, finance agreements and related client-facing documents.
Afiyah distinguishes between the product being recommended, the lender or finance provider, the legal documents, the supplementary Shariah documents, the client process and the approved certification scope. This protects you from broad claims and gives you a clearer understanding of what has actually been reviewed and certified.
Shariah governance does not end once a certificate is issued. Where ongoing oversight applies, the framework may include periodic reviews, Shariah meetings, monitoring, reporting support, governance updates and Shariah risk guidance.
A meaningful Shariah review looks beyond the name of the product.
It considers how the finance pathway works in substance.
The review considers whether the product is structured in a way that aligns with Islamic finance principles.
The sale contract, lease document, finance agreement, supplementary agreement and mortgage-related documents all matter.
In an Ijarah-based structure, ownership, risk, maintenance, statutory charges and rental treatment need to be considered carefully.
Fees, arrears, default costs and enforcement expenses need careful review. Supplementary agreements may limit certain charges to actual and verifiable costs and restrict excess recovery from being treated as ordinary income.
The way the product is explained to you also matters. Afiyah makes sure you understand the structure, certification scope, documents, key risks and next steps before you proceed.
Every Islamic finance product recommended through Afiyah is supported by Shariah certification within the approved scope.
You receive a clear explanation of how the recommended product works, who is involved and what documents support it.
You are told what has been reviewed, what the certification applies to and what the scope covers.
Your Shariah concerns are treated seriously from the first conversation through to assessment, recommendation, application, settlement and follow-up.
The process is supported by documented review, independent oversight, defined certification scope and ongoing governance.
FAQ
Straight answers to common questions about Shariah oversight.
Yes. All Islamic finance products recommended through Afiyah are supported by Shariah certification through the ADL Advisory oversight framework, within the approved product and documentation scope. Afiyah does not recommend a product to you as Islamic unless it has gone through the required Shariah review and certification process.
CONTACT AND ACCESSIBILITY
If you want to understand whether a finance pathway is suitable for you, we can walk you through the structure clearly. We will explain which Shariah-certified product is being recommended, how it works, what documents support it, what certification applies, and what you need to understand before moving forward. That way, you are not relying on marketing claims. You are making a decision with clarity, confidence and proper Shariah oversight behind the process.
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