Shaikhoology is built on a transparent governance framework that combines data integrity, human verification, and Shari'ah oversight.
Our screening process has three independent layers:
We first evaluate what the company actually does.
If a company's core business is impermissible (e.g. conventional banking, alcohol, gambling), it is marked Non-Compliant.
This assessment is governed by the Shaikhoology Business Compliance Framework.
Business compliance is not user-switchable and does not depend on financial ratios.
For companies that pass business compliance, we evaluate financial ratios using our standardized, independent Asset-Based Shariah Screening Methodology.
Financial screening uses the following 3 asset-based ratios:
We use multiple independent data sources and human review to improve reliability.
Primary financial data is sourced from reputable public databases.
Additional sources may be used to cross-verify historical data.
Human review is required for approvals, overrides, and corrections.
When multiple sources agree within defined limits, the data is shown with higher confidence.
Confidence labels indicate data reliability, not religious rulings.
Shaikhoology provides a structured screening framework, not individual religious or financial advice.
Final responsibility for investment decisions always remains with the user.