What Does “Shariah-Compliant Investment” Really Mean?

In a world where ethical finance is gaining more attention, Shariah-compliant investments offer a trusted path for Muslims who wish to grow their wealth while staying true to their values.

But what exactly does it mean?

A Shariah-compliant investment refers to any financial product, fund, or stock that aligns with Islamic principles. It avoids industries and activities that are considered haram (prohibited) such as:

• Alcohol

• Gambling

• Interest-based (riba) financial services

• Pork-related products

• Unethical business practices
  

Instead, it focuses on transparent, ethical, and asset-backed ventures — such as real estate, halal consumer goods, healthcare, energy, and Shariah-screened stocks.

Key Features of Shariah-Compliant Investing:

✅ No riba (interest) – All profits must come from real trade or assets, not interest-bearing instruments. ✅ No gharar (excessive uncertainty) – Investments must be clear, with full disclosure and minimal speculation. ✅ Profit & loss sharing – Many Islamic contracts (like Mudarabah or Musharakah) encourage shared risk and reward. ✅ Shariah screening process – Companies are vetted by a Shariah advisory board to ensure they comply with Islamic guidelines.

Why It Matters

For Muslim investors, Shariah-compliant investing provides peace of mind — knowing their money is working in ways that are halal and socially responsible.

At JPMorgan Asset Management, we recognize the importance of financial solutions that align with your values. That’s why we offer Shariah-compliant options that combine ethical principles with smart growth strategies.

💬 "Rezeki yang diberkati bukan hanya tentang jumlah, tetapi juga tentang keberkatan dari sumber yang halal."