ABRAR works closely with its clients to design and conceptualise a specific financial product which is relevant to the client’s needs, without compromising on Shariah compliance. We pride ourselves on our ability to arrive at both simple and complex Shariah solutions that provide the precise intended results our clients need.

A typical product development procedures/cycles may pass through three phases:

1. Idea generation and acceptance.

    ●     Idea generation

    ●     Idea screening

    ●     Concept paper

    ●     Sharia approval

    ●     Business case

    ●     Authorization

2. Converting concept into product.

    ●     Product design and process flow

    ●     Sign off from various department

    ●     Documentation

    ●     Sharia approval

    ●     IT system development

    ●     In-house testing

3.Commercialization.

    ●     Personnel Training

    ●     Pilot run-process and system

    ●     Marketing Programme

    ●     Full scale launch

    ●     Post Launch review

    ●     Sharia Audit