For advisors, lenders & Islamic banks

Structure Musharakah, Mudarabah, and Diminishing Musharakah deals with numbers you can defend to a committee.

A structuring and decision-evidence platform for the people who actually price and approve Islamic partnership financing — not a public calculator with a spreadsheet's worth of assumptions hidden inside it.

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No account needed to try it. This page is for teams evaluating it as a working tool, not a demo.
Prefer email? elgammmmal@yahoo.com

Built for

Islamic-finance advisors

Model a structure, compare alternatives, and hand a client a report that shows your reasoning, not just a verdict.

Boutique lenders & structuring teams

Run partner allocation, impairment, and True-Up mechanics correctly the first time, on deals too specialized for a generic model.

Bank product & credit teams

A second calculation opinion against your own spreadsheets, before a structure goes to committee.

Takaful & investment teams

Scenario-test partnership structures across jurisdictions without rebuilding the model for each one.

What's actually different

Most calculators stop at NPV and IRR. This one models the partnership.

Structural depth, not a formula sheet

Musharakah and Mudarabah profit/loss allocation, Diminishing Musharakah buyout schedules, Tanazul incentive tiers, negligence-scoped loss treatment, contingency reserve (PER) mechanics, and a full exit True-Up reconciliation — modeled as the actual partnership mechanics they are, not bolted-on percentages.

Jurisdiction-aware by design

AAOIFI/GCC-style Sharia boards and Malaysia's SAC/BNM framework read Tanazul and Wa'ad purchase undertakings differently. The engine flags that divergence by name where it applies, instead of quietly picking one reading and calling it universal.

Multilingual, not translated after the fact

English, Arabic, Malay, and Indonesian, with genuine Arabic right-to-left layout — built into the interface, not a machine-translated overlay stapled on top of an English tool.

Evidence you can archive, not just a number

Every export carries the engine version and a hash of the exact inputs used, so two reports of "the same" deal can be checked against each other, not just trusted. Unusual inputs are flagged, not silently accepted.

How it fits your process

Model the structure

Enter the deal terms once; compare Musharakah, Mudarabah, and Diminishing Musharakah framings against the same cash flows.
Review the warnings and allocation, not just the verdict

Every unusual input, every partner's capital-proportional exposure, and every reserve or impairment adjustment is surfaced explicitly.
Export a versioned record for your committee

A report that carries its own inputs, engine version, and completeness score — reviewable and reproducible, not a screenshot of a spreadsheet.

What this is not

Not a Sharia certification. Sharia boards are not unified — a structure this tool treats as workable under one standard can still be rejected by a specific board, particularly on Tanazul and Wa'ad. Confirm every mechanism with your own qualified Sharia advisor.
Not legal, tax, or accounting advice. It produces decision-support calculations and illustrative reconciliation lines, not a substitute for your counsel or accounting policy team.
Not a core banking system or an automated approval engine. It doesn't book contracts, post accounting entries, or disburse funds — it's the calculation layer that feeds your own origination and review process.

Get in touch

See it against a real deal.

Bring an actual structure — yours or a synthetic one — and we'll walk through what the engine does and doesn't cover for it.

Request a conversation

Or write to elgammmmal@yahoo.com directly.