Shariah Compliant
Our financial products are halal, meaning they follow Islamic principles by avoiding interest, excessive uncertainty, and prohibited activities
Built on International Shariah Standards
Our financial products are aligned with AAOIFI, the global standard-setter for Islamic finance
Certified by Leading Shariah Scholars
Our products are certified by qualified Shariahscholars to ensure they are fully Shariah-compliant
Approved by Scholars
We employ a 3-tier Shariah governance process to ensure Shariah compliance of all our financial products
Certified by Our Shariah Board
Najmaa’s Shariah Board has independently certified our products as fully Shariah-compliant.
Ongoing Compliance
Our offerings are subject to ongoing review and montioring by the shariah board to ensure ongoing compliance
Independent Shariah Audit
An annual Shariah audit ensures our offerings remain fully compliant
Our Shariah Advisors
Adl Advisory is a Malaysia-based global Shariah advisory firm led by seasoned professionals with deep expertise in local regulations and international best practices. Guided by the principle of ‘Adl’ (justice), the firm sees Shariah compliance as a pathway to a fairer, more equitable world
Mufti Yousuf Sultan
Founder and CEO
Dr Mufti Yousuf Sultan is an experienced professional in Islamic finance with over 15 years ofexperience in Shariah advisory, consultancy, audit and training. He holds a CSAA from AAOIFI, aCIFE from Ethica, a PhD and MSc in Islamic Finance from INCEIF, and a Mufti degree in Islamicjurisprudence. He is also a registered Shariah adviser with the Securities Commission ofMalaysia and Labuan Financial Services Authority. He is a member of several Shariahcommittees globally, including Standard Chartered Saadiq Malaysia.
As the Founder and CEO of Adl Advisory, a Malaysia-based firm that provides shariah advisory,consultancy, and training services, Dr Yousuf is passionate about promoting and innovatingIslamic finance through technology. He also co-founded IFA Consultancy, a Bangladesh-basedfirm that offers Islamic finance education and consultancy. Dr Yousuf is a recognised speakerand Shariah adviser in various markets and platforms, such as AAOIFI, CIBAFI, INCEIF, ASAS,World Bank, Cagamas, Bangsamoro Government, and Nadil Iqtisad Kuwait. He is a member ofworking groups at AAOIFI and holds professional memberships with Association of ShariahAdvisors (ASAS), Chartered Institute of Islamic Finance (CIIF), and Institute of CorporateDirectors Malaysia (ICDM).
Dr Yousuf is a visiting lecturer at Universiti Sains Islam Malaysia. He has authored severalresearch reports on Islamic finance, including a co-authored paper on Ethical finance andIslamic finance with Tan Sri Dr. Zeti, the former Governor of the Central Bank of Malaysia. In2023, he received the prestigious INCEIF President Award as the top student from INCEIFUniversity and the BAFF Award for his contributions to the Islamic finance industry inBangladesh.
Mohamad Mishal
Head of Shariah
Mohamad has extensive experience across Canada, South Africa, Malaysia, Turkey, Oman, and Indonesia. He specialises in Islamic finance research, product structuring, and training, with a track record in developing Shariah-compliant solutions such as Takaful conversions, Islamic term financing, blockchain-based instruments, and crowdfunding models. His work also spans Islamic social finance, including Zakat, charity crowdfunding, Wasiyyah, and hibah initiatives.
Abdullah Zubayr
Shariah Audit Executive
Abdullah Zubayr is a Shariah Reviewer with extensive experience in evaluating and structuring awide range of Shariah-compliant business products. His review portfolio includes equity funds,debt funds, specialised Takaful models such as device extended warranty services, mutualfunds, Takaful protection plans, Shariah-compliant crypto staking solutions, Will solutions, andfiat and crypto payment gateways. He has worked on projects across diverse regions, includingAustralia, Ukraine, Uzbekistan, South Africa, Malaysia, and more.In addition to product review, Abdullah has significant Shariah audit experience coveringinvestment funds, investment banks, medical Takaful schemes, government investmentauthorities, and Shariah-compliant home financing—particularly in the Middle East and theUnited States.
Academically, he has completed Takhassus in Ifta, Usul al-Fiqh, and Fiqh al-Muamalat, andholds the Certified Shariah Adviser and Auditor (CSAA) credential from AAOIFI, Bahrain. Hiscombined expertise in Shariah scholarship and practical financial auditing enables him tobridge traditional Islamic jurisprudence with modern financial innovations.
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