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Sample Islamic Finance Contracts Approved by Scholars (Free Download)

Additional learning material for self-study.

Contract Name

Sample Islamic Will

Musawamah Facility Agreement

Musharakah Investment Agreement

Mudarabah Financing Agreement

Lease Agreement

Salam Agreement

Istisna Agreement

Murabaha Facility Agreement

Syndication Mudarabah Agreement

Agreement For Interest Free Loan

Ethica Advisory


Ethica helps you create a bank, window, or product
Ethica structures new products and restructures existing products to help launch your Shariah-compliant bank, window, or product. End-to-end advisory services include documentation, manuals, and training. We specialize in Sukuk, Takaful, Retakaful, Islamic investments, mutual funds, and converting conventional banks into Islamic banks.

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Ethica conducts internal and external Shariah audits
Ethica issues a Certified Audit Report after conducting an internal and external Shariah audit of your Islamic bank, Takaful or Retakaful company, fund, or Sukuk.


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Ethica reviews and issues an accredited AAOIFI-compliant certification endorsing your bank, window, or product with Ethica's globally trusted seal of approval.

Learning Design

Ethica creates a new training program for your team or helps you improve your existing internal e-learning or face-to-face programs
Ethica delivers a customized or off-the-shelf training program for your proprietary use, drawing on experience from being the most trusted name in Islamic finance certification, with over 15,000+ paying learners in 65 countries.

Why Ethica Advisory

  • Rapid Response: Emails responded to within one or two business days. No more waiting for weeks to get a response.
  • Global Experience: With over 100 man years of experience in executing Islamic finance projects, Ethica Advisory is a full-service Shariah boutique.
  • Dedicated Shariah Advisors: With a full-service team of Shariah professionals — from leading AAOIFI-level scholars to highly responsive Shariah coordinators — our goal is completion.

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Ethica's Shariah Scholars Advised these Clients:

Shariah Advisory, Shariah Audits, Structuring, and Training

New Window Learning and Certification

Product Approvals and Banker Training

Conducted Shariah Audit

Mid to Senior Certification

Shariah Board and Product Development

Pre-Launch Learning and Certification

Developed Investment Product

Certified Investment Vehicle

Country Launch Certification

Core Banking Technology Advisory

Created Home Finance Product, Launched Income Fund

Customer Awareness Program

Learning Design and Training

Semester-Based Learning Design

DISCLAIMER: These sample contracts are provided for example purposes only. They should not be duplicated without consideration of a particular situation. One should always seek the expert legal opinion of, at minimum, a qualified Islamic finance scholar and a registered legal counsel for the relevant jurisdiction. Laws vary by jurisdiction and certain provisions in these sample contracts may not be enforceable. These sample contracts are for illustrative purposes only and its user indemnifies the sender for any wrongdoing.

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