The Shari’ah Adviser screens the investment avenues based on a strict set of constraints. In brief, any portfolio cannot hold shares of a company that:

• Provides non-Islamic financial services and any other related interest services
• Manufactures/sells products or services not approved by the Ethical Board (i.e. liquor, tobacco, gambling, pornography, weaponry etc)
• Has interest revenue exceeding a certain percentage of total revenue (usually 5%) - unless it is given to charity
• Does not have a certain percentage of non-liquid assets
• Does not comply with certain debt ratios