| Concepts |
Average Weight |
Elements |
Average Weight |
| C1 - Educating Individual |
30 |
Scholarship |
20 |
| Research |
20 |
| Training |
20 |
| Publicity / Marketing |
20 |
| Product disclosure sheet (PDS) available? |
20 |
| C2 - Establishing Justice |
41 |
Fair returns |
25 |
| Risk-sharing vs. risk transferring |
25 |
| Fair compensation to community and environment |
25 |
| Protecting against mistreatment and unfair dismissal |
25 |
| C3.1.1 – Protection of religion |
29 |
Shariah compliance report |
3 |
| Disclosure |
3 |
| Adequacy of Shariah audit committee member |
3 |
| Amount spent on religious activity |
3 |
| C3.1.2 – Protection of life |
Zakat |
3 |
| Donation in Medicare and hospital |
3 |
| Investment in microfinance |
3 |
| Reporting on ESG in the annual report |
3 |
| C3.1.3 – Protection of Intellect (Aql) |
Investment in technology |
3 |
| Employee attrition |
3 |
| Investment in product innovation and R&D |
3 |
| 3 |
| C3.1.4 Protection of Progeny (Nasl) |
Return on capital |
3 |
| Marriage and housing |
3 |
| Employee benefit |
3 |
| Payment of tax |
3 |
| C3.1.5 Protection of Wealth (Mal) |
Wealth maximisation asset utilisation |
3 |
| Investment in the real sector |
3 |
| 3 |
| 3 |
| Credit risk |
3 |
| Liquidity risk |
3 |
| Solvency risk |
3 |
| SNCI risk |
3 |
| C3.2 Complement |
Transfer mechanisms |
3 |
| Investment in salam, Khafala, Ar Rahn, etc, contract |
3 |
| C3.3 Embellishment |
Transfer mechanismOnline bankingMobile banking |
3 |
| Renovation expenditure |
3 |
| Deposit linked with takaful |
3 |
| Mobile top-up service |
3 |
| Priority banking |
3 |
| TOTAL |
100 |
TOTAL |
100 |
