Sharia compliance
This page details our process for carefully investing your superannuation in an ethical manner
Built by experts, approved by scholars
At Hejaz Financial Services, we employ a 3-tier Sharia governance process to ensure the Sharia compliance of our services. We begin by subscribing to the leading Sharia Standards stipulated by AAOIFI. Thereafter, we engage the services of IdealRatings to filter the investment universe so that we are left with only Sharia Compliant investments to populate our clients’ portfolios. Lastly, we have appointed a renowned global Sharia Board, GIFS, to oversee our Sharia governance process and to Audit us periodically to ensure that the highest standards of Sharia compliance are upheld.
Over 50 years of collective sharia compliance experience

The Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) is an Islamic international autonomous non-for-profit corporate body that prepares accounting, auditing, governance, ethics and Sharia standards for Islamic financial institutions and the industry.

IdealRatings, Inc. is a world-class provider of financial research and data. With its extensive experience in fund management and research, IdealRatings has developed a number of solutions to cater to the different needs of asset managers across the globe.

Global Islamic Financial Services Firm propriety limited (GIFS) is a South Africa-based company specialised in providing Sharia Advisory services, supervision, Sharia auditing and human capital development. Their advisory board comprises of experienced scholars and financial experts.
Investing Islamically
Where you are investing
Generally, superannuation funds will invest on average 34% of your savings in interest-bearing investments, while the remaining investments generally do not comply with Islamic investment principles such as alochol and many other sectors.
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Where you are investing with us
By choosing Hejaz Islamic Super, your superannuation savings will be invested into a Sharia compliant managed fund, the Global Ethical Fund.
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