Safa Compliance
How we screen investments
Screening is a documented process, not a religious verdict on your behalf. We publish our criteria so you and your own scholar can judge whether they match your understanding.
In this demo build the screening committee, policy document and scholarly review board are placeholders. No instrument may be labelled compliant in a production launch without a signed methodology and documented scholarly approval.
6
Passed the last review
2
No conclusion issued yet
2
Failed one or more screens
Excluded business activities
- Interest-based banking, lending and conventional insurance
- Alcohol, tobacco and cannabis production or distribution
- Pork and non-permissible food processing
- Gambling, betting and casino operations
- Adult entertainment and related media
- Weapons manufacturing (as defined in our policy document)
Financial-ratio screening
Interest-bearing debt
Below 33% of market capitalisation (36-month average)
Non-permissible income
Below 5% of total revenue
Interest-bearing assets & receivables
Below 33% of market capitalisation
Thresholds follow widely used market standards. Other scholars apply different limits — these figures are a stated policy choice, not a universal ruling.
Purification
Even a screened company may earn a small amount of non-permissible income. Purification is the practice of estimating your share of that income and giving it away, without treating it as a donation for reward.
Your current estimate
6,42 €
Calculated as your holding share × reported non-permissible income per unit, using placeholder figures.
Learn more
This section is educational information about a screening process. It is not investment advice, not a religious ruling and not a guarantee of compliance.