Ref: AF-CN-001-V2 | Confidential

The Ethical Engine for Northern Nigeria.

Bridging the MSME credit gap through Sharia-compliant digital innovation. We replace debt with asset-backed partnerships.

10k+ MSMEs Target by 2030

Amanah Score™ (AI Behavioral Engine)

T0: Entry T4: Prime (Success)

Zero

Riba (Interest)

100%

Asset Backed

The "Amanah" Suite

Tailored financing modules designed for the Northern economic heartbeat.

Murabaha

Cost-plus-profit model for inventory and raw materials. Transparent markups, disclosed upfront.

  • ✓ Trade Finance
  • ✓ Zero Uncertainty

Ijara

Lease-to-own machinery and vehicles. Title transfers only upon final payment.

  • ✓ Asset Leasing
  • ✓ Capital Protection

Musharaka

Profit-and-loss sharing for high-growth SMEs. Perfect financier-founder alignment.

  • ✓ Equity Partnership
  • ✓ Shared Success

Sharia Integrity Framework

01

Supervisory Board (SSB)

Independent scholars providing Fatwas for every product iteration.

02

Internal Audit

Continuous monitoring to prevent Gharar (uncertainty) and Maysir (speculation).