Use Shariah review as a control gate
Explain why Shariah review should operate as a documented control gate before product launch.
The move: treat Shariah review as a control gate, not a blessing stamp. A control gate has three jobs. First, it defines what must be true before the product can proceed. Second, it requires evidence rather than confidence. Third, it records who reviewed which version, so exceptions can be traced later. What Must Be True The reviewed structure must match the actual product. If the approved model is murabaha, the file should show when the institution owns the asset, when it sells to the customer, how profit is disclosed, and how late payment is handled. If those details are missing,…
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