Financial Statements
Extract key balances, calculate Shariah ratios, identify interest-bearing debt, non-compliant income and items requiring review.
Analyze statements →Shariah Compliance Intelligence
AI speed.
Expert logic. Human accountability.
Qistas analyzes financial statements, contracts, business models and financial products through an expert-designed Shariah compliance workflow. Islamic finance specialists define what the system looks for, what it excludes, what evidence it retains, which rules apply and when a case must be escalated. The Qistas AI agent prepares the analysis, then the Qistas consulting team reviews and finalizes every paid final report.
AAOIFI-referencedMethodology references applicable AAOIFI Shariah Standards.
Morocco-awareFor Moroccan analyses, Qistas references applicable published Shariah opinions issued by Morocco’s Higher Council of Ulema, together with relevant local participative-finance rules.
Expert-designedScreening logic and decision rules are defined by Islamic finance specialists.
Client confidentialityClient documents are treated as confidential and are not sold or used for advertising.
Qistas Shariah Intelligence Engine
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Document intakeStatements, contracts or product documents
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Expert-designed AI + rules engineExpert-defined extraction, exclusions, ratios, clauses and standards mapping
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Qistas expert reviewConsultant validates findings and conclusions
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Final reportTraceable findings, sources and recommendations
→The AI does not improvise a fatwa. It operates inside a Qistas framework designed by Islamic finance specialists, referencing applicable AAOIFI Shariah Standards and, for Moroccan analyses, applicable published Shariah opinions issued by Morocco’s Higher Council of Ulema. It prepares a structured preliminary assessment for expert review.
Why Qistas AI is different
General-purpose AI answers broadly. Qistas analyzes through expert-defined Shariah logic.
Qistas does not ask a general-purpose model to improvise a Shariah conclusion. The underlying AI operates within a controlled decision framework designed and maintained by Islamic finance specialists. Experts define which facts must be extracted, which items are irrelevant or excluded, which evidence is retained, which thresholds and rules are applied, and which cases must be escalated to human review.
The framework references applicable AAOIFI Shariah Standards. For Moroccan analyses, a jurisdiction-specific layer also references applicable published Shariah opinions issued by Morocco’s Higher Council of Ulema and relevant Moroccan participative-finance rules.
Expert-defined screening logicAAOIFI-referenced rulesMorocco-specific reference layerHuman escalation gates
Experts defineWhat the system looks forInputs
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Experts defineWhat is excluded or retainedEvidence
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Experts defineWhich Shariah rules and references applyLogic
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Experts defineWhen human judgment is mandatoryEscalation
What you can analyze
One intelligence layer for multiple Shariah workflows.
Contracts
Screen clauses for riba, gharar, maysir, inappropriate penalties, ownership issues, sequencing problems and other Shariah concerns.
Review a contract →Business Models
Assess revenue streams, operating activities, financing, suppliers, customer flows and areas requiring deeper scholarly judgment.
Review a model →Financial Products
Structure and review Murabaha, Ijarah, Musharakah, Mudarabah, Salam, Istisna’, Wakalah and related documentation.
View pricing →Built for evidence, not black-box answers
Every conclusion should be traceable.
Qistas is designed to connect each finding to the underlying document, extracted data, rule, methodology and reviewer. The product is not a generic chatbot with an Islamic-finance prompt.
Source-linked findingsVersioned methodologyHuman reviewerAudit history
SourceAudited FY2025 Financial Statementsp. 47
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Extracted itemInterest-bearing borrowingsMAD 8.4m
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RuleFinancial screening thresholdMethod v1.2
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FindingRequires expert reviewMedium
Important positioning
Read the methodology & disclaimers
Qistas provides independent Shariah compliance analysis and consulting. In Morocco, Qistas does not replace an official Shariah conformity opinion (avis conforme) issued by Morocco’s Higher Council of Ulema when such an opinion is legally required.
Methodology
A structured analysis before human judgment.
Qistas combines expert-designed Shariah decision logic, deterministic financial rules, document intelligence, an AI reasoning layer and human review. Islamic finance specialists define the screening criteria, exclusions, evidence hierarchy, thresholds and escalation rules. The goal is reproducibility, traceability and disciplined escalation of ambiguous issues.
1
Ingest & classify
Identify document type, jurisdiction, period, counterparties, product structure and missing information.
2
Extract structured facts
Financial figures and contractual clauses are extracted into structured fields. Calculations are performed by deterministic code rather than delegated to the language model.
3
Apply the expert-designed Shariah rules engine
Islamic finance specialists define what the engine tests, what it excludes, which evidence it keeps, the applicable thresholds and when human escalation is mandatory. Rules are selected according to analysis type, methodology version and jurisdiction.
4
AI-assisted reasoning within expert constraints
The AI agent maps findings, explains issues, surfaces contradictions and drafts a preliminary analysis within the expert-defined Qistas methodology. It is not permitted to substitute generic model judgment for controlled Shariah rules.
5
Qistas expert review
A Qistas consultant reviews source documents, calculations, issue severity and conclusions before a paid final report is released.
Classification
Clear outcomes instead of a misleading “halal score”.
The platform can display AI confidence numerically, but the compliance conclusion should use controlled categories.
Compliant
No material issue identified under the selected methodology, subject to report scope.
Conditionally compliant
Potentially acceptable if stated corrective actions or conditions are satisfied.
Requires review
Insufficient data or issue requiring deeper expert or scholarly judgment.
Non-compliant
A material issue conflicts with the selected methodology within the documented scope.
Pricing
Pay for analysis. Pay more for accountability.
Launch pricing separates automated analysis from expert-reviewed final reports. Prices below are product-design recommendations and can be adjusted after measuring actual reviewer time.
| Service | AI preliminary analysis | Qistas expert-reviewed final report |
|---|---|---|
| Listed company screeningActivity + financial screening | 190 MAD | 590 MAD |
| Financial statement Shariah analysisStatements + ratios + issue map | 590 MAD | 1,490 MAD |
| Detailed financial statement reportDeeper notes review + recommendations | 990 MAD | 2,990 MAD |
| Contract reviewUp to 25 pages | 790 MAD | 2,490 MAD |
| Business model reviewRevenue + operations + financing | 1,290 MAD | 3,900 MAD |
| Transaction structure reviewStructure + documents + flow | 1,290 MAD | 3,900 MAD |
| Investment / project reviewIndependent compliance analysis only | 1,490 MAD | 4,900 MAD |
| Islamic financial product reviewStructure + core documentation | 2,490 MAD | From 7,500 MAD |
| Institutional / portfolio workBulk workflows, APIs and custom governance | Custom quote | |
Professional
1,990 MAD / month
For consultants, founders and small finance teams.
- 10 AI analyses / month
- 2 expert-reviewed reports
- Financial + contract analysis
- Report history
- 1 user
Most practical
Business
4,900 MAD / month
For fintechs, advisory firms and growing teams.
- 40 AI analyses / month
- 6 expert-reviewed reports
- Business model + transaction workflows
- Team workspace
- 5 users
Enterprise
Custom
For banks, asset managers and larger institutions.
- Custom analysis volume
- API and workflow integration
- Custom rules and jurisdictions
- Dedicated implementation
- Advanced security options
Human verification
The expertise behind every finalized Qistas report.
AI accelerates the work. Accountability remains human. Every expert-reviewed final report is validated by a Qistas financial consultant and records the reviewer responsible for the sign-off.
Qistas reviewer
Founder & reviewer
Jaâfar Hana, MBA
Jaâfar Hana is the founder and CEO of Qistas Consulting. He holds an MBA in Finance from Al Akhawayn University. His MBA thesis examined ESG compliance and the efficiency, profitability and performance of Islamic and conventional banks in the MENA region.
His professional work includes financial consulting, Islamic-finance advisory and Shariah audit work. Within Qistas Shariah Intelligence, he contributes to the expert-defined screening logic and participates in the human verification of analyses before final reports are released.
EducationMBA in FinanceAl Akhawayn University
ResearchIslamic Finance & ESGMBA thesis · MENA banking
PracticeFinancial consultingIslamic finance & Shariah audit
RoleHuman verificationQistas final reports
Growing reviewer network
As Qistas expands, additional qualified consultants and Shariah specialists can be added to this page. Each reviewer profile should display only verified qualifications and clearly distinguish personal certifications from any certification or endorsement of the Qistas platform itself.
Contact Qistas
Speak directly with the consulting team.
Questions about an analysis, an institutional workflow or the platform? Contact Qistas Consulting directly by phone, WhatsApp or email.
Phone+212 613 565 049
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Call the Qistas Consulting team.
WhatsAppMessage Qistas
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Open a direct WhatsApp conversation with the firm.
EmailQistasconsulting@gmail.com
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Send an email to the consulting team.
Institutional enquiries
Need a custom Shariah compliance workflow?
For banks, fintechs, advisory firms and other institutions, Qistas can discuss custom analysis volumes, workflow integration, methodology configuration and expert-review arrangements.
Confidentiality
Your documents stay private.
Qistas treats client documents and analysis files as confidential. Access is limited to authorized Qistas personnel and the technical service providers strictly required to operate the platform. Client documents are not sold, used for advertising, or made public.
Controlled access
Only the client account and authorized Qistas reviewers can access a case. The platform keeps the AI-generated preliminary assessment separate from the human-reviewed final report.
No public pre-signed NDA
A reusable public document carrying the company’s signature creates an avoidable fraud risk. Qistas therefore generates a client-specific confidentiality agreement after login. The client signs it first; Qistas then countersigns the executed copy.
Case-specific NDA
After signing in, clients can generate a personalized confidentiality agreement tied to their account and save it as PDF for signature. Signature legalization or notarization can be requested when a particular engagement requires it, rather than imposing it on every client.
Important transparency
“Private” does not mean that no technical processor ever handles data. Where the platform uses hosting, email or AI infrastructure, those providers may process data solely to deliver the service under their applicable terms. Qistas should not promise absolute non-disclosure if external processors are used.
My confidentiality agreement
Generate, sign and return your personalized agreement.
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Terms of use
Clear limits for an independent assessment service.
Qistas Shariah Intelligence provides AI-assisted preliminary analysis and, where purchased, human-reviewed consulting reports. It does not issue a fatwa, guarantee compliance, provide legal advice, or replace an approval legally required from a regulator or competent Shariah authority.
Authorized use
You may submit only material you are authorized to share. You remain responsible for the accuracy and completeness of the information provided.
Professional judgment
Preliminary findings require human review. Final reports reflect the stated scope, documents, methodology version and limitations recorded in the report.
Legal review
These product terms and the configurable confidentiality-agreement template must be reviewed by qualified Moroccan counsel before commercial launch.
Private client workspace
Secure access to your analyses.
Create an account to submit confidential documents, follow the AI analysis, access human-reviewed reports and generate a case-specific confidentiality agreement.
Expert-designed Shariah analysis workflow
AAOIFI-referenced methodology
Morocco-specific reference layer based on published Shariah opinions of the Higher Council of Ulema
Human verification by Qistas consultants
By continuing, you agree to use the platform only for documents you are authorized to submit. Qistas treats client material as confidential.
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Classifying documents and extracting structured data.
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Expert reviewed
Conditionally compliant
Analysis result will appear here.
AI confidence—Confidence is not a Shariah score.
Executive findings
Structured findings linked to evidence.
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PendingSubmit documents from the New analysis page to generate findings.
Qistas Intelligence EngineEvidence & methodology trail
Every material finding should connect back to evidence and the rule applied.
FindingEvidenceReference layerReviewer status
———Pending
Source documents
Files are available only to this client account and authorized Qistas reviewers.
No stored documents.
Human accountability
Qistas expert review
This analysis has been reviewed and finalized by the Qistas consulting team after review of the AI-generated draft, extracted data and supporting documents.
Reviewed byQistas Consulting TeamNot yet finalized
Independent assessment only. Qistas does not represent that this report is an official fatwa, an AAOIFI certification, an official Shariah conformity opinion (avis conforme) issued by Morocco’s Higher Council of Ulema, or an approval from Bank Al-Maghrib, AMMC or any other regulator.
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