Islamic Window

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Islamic Window is called a department of a conventional bank offering Islamic financial services.

Conditions for the validity of such an offering are:

1. Complete Segregation of Funds

2. Sharia Supervisory Board (Sharia Board)

3. Management Fully Convinced of Islamic Concepts

4. Safeguarding Muslim Investors’ Funds Against Negligence,Trespass and Fraud:

5. Compliance with the Standards of the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI)


Full Islamic banks are more trustworthy for Muslim clients if products are the same.


Depending on the jurisdiction, offering of Islamic financial products might be regulated in different ways.


Motaleb, Muna. ‘Islamic windows’ – Segregation of business lines, June 2008.

Yaquby, Sheikh Nizam. "Sharia Views: Requirements to be Fulfilled When Conventional Banks Set Up Islamic Banks, 'Windows' or 'Islamic Funds'." August 31, 2000.

Zubair, A. and Alaro, A. A. Legal and Operational Frameworks of Islamic Windows in Conventional Financial Institutions: Nigeria as a Case Study", October 6-8, 2009.