Horn ACR Advisory offers one of the region’s most specialized Islamic finance advisory practices — combining technical Shariah expertise with deep financial sector knowledge. Our advisory services are aligned with AAOIFI and IFSB standards, supporting Islamic banks, Takaful operators, and conventional institutions offering Islamic windows.

Shariah Governance Frameworks
Design and operationalization of Shariah governance structures including Shariah Supervisory Board (SSB) charters, fatwas management systems, and Shariah compliance reporting lines. Shariah Compliance Reviews Periodic operational reviews verifying that products, contracts, and processes remain consistent with applicable Shariah rulings and the institution’s approved Shariah standards.

Independent Shariah Audit
Objective assurance engagements examining the completeness and accuracy of Shariah compliance reporting, identifying non-compliant items, and recommending corrective actions.

Islamic Product Structuring
Advisory on structuring of Murabaha, Ijarah, Mudarabah, Musharakah, and Sukuk instruments for market viability, regulatory compliance, and Shariah integrity.

Shariah & AAOIFI Training
Practical workshops on Islamic banking principles, AAOIFI standards, Takaful operations, and Shariah compliance for banking staff, compliance teams, and board members.

Zakat Advisory
Expert guidance on corporate Zakat calculation methodologies, governance frameworks, collection procedures, and distribution protocols aligned with applicable scholarly opinions.