Tikari Asset Manager

Complete physical asset custody, inventory management, and ongoing monitoring for all financed assets.

Core Capabilities

Asset Custody and Inventory Monitoring for Asset-Backed Finance

In true non-interest banking, money does not generate money on its own. Physical custody, genuine asset ownership, and field tracking are non-negotiable foundations.

Murabaha Inventory & Goods Registry

Maintains clear proof of ownership and custody before sale. Tracks supplier purchase orders, goods receipt notes (GRN), storage locations, and client delivery notices.

Maintains verifiable proof of asset ownership and legal possession before resale to the client

Tracks supplier purchase orders, delivery receipts, warehouse check-ins, and transfer deeds

Guarantees that finance is never booked on imaginary, non-existent, or unpurchased commodities

Provides exportable documentary audit trails for Shariah auditors and compliance officers

Ijara Lease Asset Lifecycle & Maintenance

Tracks leased vehicles, heavy machinery, equipment, and real estate. Monitors insurance renewals, maintenance logs, operational condition, and end-of-lease buyouts.

Comprehensive tracking for leased equipment, commercial vehicles, machinery, and real estate

Scheduled maintenance tracking and logging to fulfill the lessor's Shariah upkeep responsibilities

Automated alerts for mandatory Takaful insurance renewals, roadworthiness, and asset inspections

Seamless end-of-lease purchase option (Ijara wa Iqtina) transfer execution

Diminishing Musharakah Equity Ledger

Visualizes the changing equity share between institution and client. Automatically recalculates rental schedules and depreciation as the customer acquires additional units of ownership.

Visualizes the joint equity ownership split between the financial institution and the partner

Automated recalculation of rental payments as the customer buys out ownership units over time

Dynamic equity share certificates generated and logged after each successful buyout payment

Synchronized asset depreciation and equity amortization linked to the central general ledger

Collateral Auditing & Field Inspections

Geo-tagged photo verification and field inspection check-ins for pledged collateral, warehouses, vehicles, and financed commercial equipment.

Mobile-ready field auditing app for loan officers inspecting financed assets and collateral

Geo-tagged and time-stamped photo capture of pledged inventory, warehouses, and equipment

Automated condition grading, physical valuation updates, and risk warning triggers

Offline inspection mode allowing rural field audits to sync automatically when reconnected

Part of the Tikari Brand Ecosystem

Seamlessly integrates with the entire Tikari software suite for unified Shariah accounting, risk governance, and client servicing.

Gain Total Control Over All Financed Assets

Eliminate ghost collateral, guarantee valid trade ownership, and streamline maintenance across your entire leasing portfolio.

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