Banking Without Riba
for African Markets
TIKARI is a faith-based, non-interest banking platform engineered for Islamic banking, microfinance, and traditional savings systems across multiple African jurisdictions.
Bringing Ethical Banking to the Underserved
Millions of Muslims across Africa avoid conventional banks due to riba (interest) concerns. At the same time, community banks and cooperatives struggle with outdated systems that don't support Shariah-compliant operations.
TIKARI bridges this gap providing a complete, AAOIFI-certified core banking engine that handles everything from Murabaha financing to profit-sharing investment accounts, while staying fully compliant with regional central bank and accounting regulations.
The TIKARI Story
TIKARI is built on the foundations of ethical trade: trust, partnership, and shared prosperity that align with Islamic financial values.
Like the ancient traders who built trust through honest commerce, TIKARI is a platform for ethical exchange. We don't profit from money itself we profit from productive activity. We don't charge interest we share in real economic outcomes.
Our vision: every community bank, cooperative, and microfinance institution across our supported regions should have access to world-class Islamic banking infrastructure transparent, auditable, and certified by scholars.
Our Foundational Principles
Four commitments that guide every decision we make
100% Shariah Compliant
Every transaction, every line of code, every financial product is verified by independent Islamic scholars before deployment.
Regulator Ready
Fully compliant with regional central bank guidelines (such as BEAC/COBAC, BCEAO, and CBN directives).
Community First
Built for the underserved microfinance institutions, cooperatives, and community banks across supported jurisdictions in Africa.
Transparent Operations
Open documentation, clear profit-sharing ratios, and full disclosure of all terms. No hidden fees, no gharar (uncertainty).
Our Shariah Supervisory Board
Every TIKARI product is reviewed and certified by qualified Islamic scholars before it reaches customers.
Sheikh Dr. Abdulrahman Al-Faisal
Chairman, Shariah Supervisory Board
PhD Islamic Finance, Al-Azhar University
Expertise
30+ years in Islamic banking supervision
Certifications
Dr. Fatima Bint Abdullah
Shariah Advisor
PhD Fiqh al-Muamalat, International Islamic University
Expertise
Specialist in Murabaha and Musharakah contracts
Certifications
Sheikh Ibrahim Kamara
Regional Shariah Officer
Master's Islamic Law, University of Madinah
Expertise
Regional regulatory compliance and local fatwa adaptation
Certifications
How Shariah Certification Works
All financial products are submitted to the Board before launch
Scholars review contract structures, pricing mechanisms, and risk-sharing models
Only after written fatwa approval can a product go live
Annual Shariah audits ensure ongoing compliance
Ready to Bring Islamic Banking to Your Institution?
Schedule a demo to see how TIKARI can help you serve your community with Shariah-compliant financial services.