How We Score AAOIFI Compliance in Amanah

Many investors ask us the same question: what does an Amanah compliance score actually represent? At a high level, we evaluate companies in two layers: 1) Business activity screen - We review company disclosures to identify revenue exposure to prohibited sectors. - Core prohibited sectors include gambling, alcohol, conventional financial services, tobacco, adult entertainment, and weapons. 2) Financial ratio screen - We evaluate debt burden, interest income, and receivables concentration against accepted Islamic finance thresholds. - A company can pass the business activity screen and still fail financial ratios. How this appears inside Amanah: - You receive an overall status and a score summary. - Ratio-level details explain where a company is strong and where it is borderline. - We update scores as fresh financial statements and market inputs become available. Important note: No automated score should replace personal due diligence or scholar consultation for sensitive decisions. Amanah is designed to make screening transparent and actionable, not to replace fiqh guidance. In upcoming updates, we will publish per-ratio trend lines so users can track improving or deteriorating compliance over time.