Solutions / Lending lines / Sharia

Sharia-compliant finance, natively supported.

For Islamic banks and providers of Home Purchase Plans.

Sharia finance is not a variation on a conventional mortgage, it is a different product with its own contracts, cash flows, and controls. Mast models Home Purchase Plans and Islamic finance products natively, with the governance to satisfy both regulators and Sharia supervisory boards.

Where teams get stuck

The friction sharia lending inherits.

  • Conventional systems that force Sharia products into ill-fitting data models

  • Ijara, Murabaha, and Diminishing Musharaka accounted for as workarounds

  • Sharia board oversight documented outside the platform

  • Customer journeys that feel like a translation of a conventional mortgage

Capabilities

What Mast brings to sharia.

Native product modelling

Home Purchase Plans, Ijara, Murabaha and Diminishing Musharaka modelled as first-class products with correct terminology and cash flows.

Sharia governance workflows

Approvals, reviews, and evidence for Sharia supervisory boards captured in the same case history as credit and compliance.

Customer-first journeys

Language, disclosures, and steps designed for Islamic finance customers, not translated from a conventional flow.

Same platform, same controls

Policy-as-code, audit trail, and AI guardrails apply equally to Sharia products, with no compromise on governance.

Outcomes

What good looks like.

Product integrity

Sharia products modelled correctly end to end, not shoehorned into conventional flows.

Governance in one place

Sharia board evidence lives with the case, not in a separate archive.

Growth-ready

Launch new Islamic finance products on the same platform, in weeks not quarters.

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