MIZAN
Live· GCC Islamic finance powerhouse

The operating system for Islamic finance.

One workbench for every Islamic bank — and every conventional bank running an Islamic window. Map the GCC. Stress-test governance. Prove your Shari'a posture. In hours, not quarters.

Live · GCC Islamic finance
demo data · refreshed continuously

Shari'a Breach Rate

target <1.0

22.0%
0.00per quarter

Time to Close Findings

target <21

12.0%
0median days

Non-Permissible Income Ratio

target <0.5%

8.0%
0.00%% of total income

Product Approval Cycle Time

target <60

14.0%
0days
Sukuk & Capital Markets Depth$214.6B▲ 8.7%
Shari'a Compliance Integrity87.4%▲ 1.6%
Public Trust & Reputation62 NPS▲ 3.1%
SA 78AE 88BH 84KW 71QA 69OM 64
Shari'a signals
HSA UAE clarifies tawarruq mechanics — buyback restrictions reinforcedSaudi sukuk issuance YTD +18% vs prior yearAAOIFI exposure draft on PER smoothing open for commentCBB introduces real-time Shari'a breach reporting portalQatar QCB tightens disclosure rules on Mudaraba pool compositionOman IBRF clarifies vendor outsourcing Shari'a controlsDIFC opens dedicated Shari'a fintech sandbox trackKuwait CBK publishes updated charity-donation policy templateIFSB issues new guidance on ICAAP integration of Shari'a riskBahrain becomes first GCC market with mandatory external Shari'a auditHSA UAE clarifies tawarruq mechanics — buyback restrictions reinforcedSaudi sukuk issuance YTD +18% vs prior yearAAOIFI exposure draft on PER smoothing open for commentCBB introduces real-time Shari'a breach reporting portalQatar QCB tightens disclosure rules on Mudaraba pool compositionOman IBRF clarifies vendor outsourcing Shari'a controlsDIFC opens dedicated Shari'a fintech sandbox trackKuwait CBK publishes updated charity-donation policy templateIFSB issues new guidance on ICAAP integration of Shari'a riskBahrain becomes first GCC market with mandatory external Shari'a audit

13

Pre-built audits

9

Stakeholder KPIs

7

Ecosystem indices

6

GCC regimes

The journey

Four phases. One defensible posture.

1

Step 1

Explore

Map the GCC landscape

2

Step 2

Assess

See your real readiness

3

Step 3

Audit

Stress-test before regulators do

4

Step 4

Develop

Close the gaps with training

PHASE 01Explore

Understand the GCC before you commit a single dirham.

Three intelligence layers that turn fragmented regulation, recognition and product structure into a single comparable view.

GCC regimes scored

6

Side by side

GCC Regulatory Comparator

SAMA, CBUAE/HSA, CBB, CBK, QCB, CBO — licensing, fatwa governance, AAOIFI adoption, window rules.

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Avg interoperability

41%▲ 2.4%

Where you're recognised

Cross-Border Product Passport

Click any jurisdiction to see its interoperability score, regulator and the conditions still required before launch.

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Sukuk volume YTD

$214.6B▲ 8.7%

Read every structure

Sukuk Structure Explorer

Ijara, Wakala, Murabaha, Mudaraba — parties, cash flows, ownership chain, and the audit evidence each needs.

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PHASE 02Assess

See your real Shari'a readiness — role by role.

Built for full Islamic banks and for conventional banks running an Islamic window. A defensible heat map, not a vague maturity score.

Roles · 4 dimensions

7

Featured assessment

Shari'a Readiness & Culture Assessment

Across board, executive, product, risk, operations, branch and audit — answer once, get a heat map you can defend in front of a regulator.

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Breach rate / quarter

0.8▼ 22.0%

What gets measured

Stakeholder KPI snapshot

The 9 KPIs that move with every assessment finding — from breach rate to disclosure pass rate.

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Median time-to-close

18d▼ 12.0%

From answer to action

Linked outcomes

Each weak cell maps to specific assessments and training modules that close it. No vague advice.

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PHASE 03Audit

Defend the board before the regulator tests it.

13 pre-built audits surface the issues regulators, AAOIFI and external Shari'a auditors flag most — while you still have time to fix them.

Governance audits bundled

4

Independence · process · reporting

Shari'a Board & Governance Audit

SSB composition, fatwa lifecycle, vendor controls, data lineage. Scored the way external auditors will score it.

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Execution audits bundled

9

Catch leaks before they're found

Product & Transaction Execution Audit

Murabaha, Ijarah, Wakala, Mudaraba, screening, late-payment, disclosure, dispute handling — sample real transactions.

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PHASE 04Develop

Close the gaps with training that is routed, not generic.

Four role tracks — Shari'a Officer, Product Owner, Internal Shari'a Auditor, Board & Secretariat — each tied to the specific audits it unlocks.

Role tracks · 14 modules

4

Routed, not generic

Shari'a Skills & Training Pathway

Take the skills assessment, see your gap heat map, get pointed to the exact modules that close it — then re-test to confirm.

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Audits unlocked by curriculum

13

Every module unlocks an audit

Module → audit linkage

Each module is tagged to the assessments it qualifies a person to run, so training maps directly to capability.

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DevelopAssessloop

The continuous loop

Re-assess. Re-train. Track progress.

Shari'a compliance is not a one-off certificate. After Develop, return to Assess to measure how the institution has moved — role by role, board to branch — and where the next gaps are forming.