FOUR METHODOLOGIES · ONE PLATFORM
Side-by-side methodology screening.
A single verdict on a single methodology hides the institutional choice that matters. HalalRegTech AI runs four methodology engines in parallel and exposes every divergence at the rule level. Pick one methodology of record, or run all four and reconcile.
AAOIFI · STANDARD 21
Reference framework
- Sector screens per Standard 21 § 3/3
- Debt ratio threshold (30%)
- Interest-bearing securities ratio threshold (30%)
- Non-compliant income threshold (5%)
- Purification ratio per § 3/4
- Each rule cites the AAOIFI clause
DJIM · DOW JONES ISLAMIC MARKET
S&P DJI methodology
- Sector screen aligned with S&P DJI
- Trailing 24-month average market cap denominators
- Debt/market-cap, cash/market-cap, receivables/market-cap thresholds
- Divergences from AAOIFI surfaced explicitly
S&P SHARIAH
S&P methodology
- Sector exclusions per S&P Shariah Index methodology
- Market-cap-based denominators
- Ratio thresholds aligned with the published methodology
- Side-by-side comparison with AAOIFI in one verdict view
HOUSE v1 · CONFIGURABLE
Your SSB’s methodology
- Cryptographically signed YAML methodology document
- Bound to your Sharia Supervisory Board’s signature
- Versioned and replayable
- Rollback in one action across all tenant portfolios
Methodology divergence at the rule level
When the four methodologies converge on a verdict, the security is unambiguously compliant or non-compliant. When they diverge — and they do, frequently, in the financial-ratio screens — the platform names the rule, the threshold each methodology applies, the numerator and denominator the methodology uses, and the margin by which each verdict lands on its side of the line. The institutional Sharia choice between methodologies becomes a visible decision rather than a hidden default.
A worked example
A large-cap European industrial. Debt-ratio numerator is total interest-bearing debt from the iXBRL filing. AAOIFI denominator is total assets. DJIM denominator is the 24-month trailing market cap. The same numerator on two different denominators produces two different ratios — both correctly computed, both citable, both explainable. The methodology you pick is the methodology you can defend in front of your auditor.
NEXT STEP
A 45-minute briefing. For decision-makers only.
With the compliance engineer and Sharia analyst who built HalalRegTech AI. For institutional banks, Sharia boards, regulators, and Sharia advisory partners.