Zayan Finance is a cutting-edge innovator of Shari'ah compliant financial solutions. We provide access to capital structured by bankers and financial services professionals that understand commercial real estate and are dedicated to developing Shari'ah-compliant finance in the United States. As a Shari'ah-compliant provider, we ensure a level of ethics and sound solutions unmatched in conventional commercial real estate financing - and the peace of mind that comes with financing that conforms to your values.

Zayan Finance's Shari'ah supervisors are recognized Islamic finance authorities that serve on the Shari'ah Boards of many of the world's leading banks and financial institutions. To ensure Shari'ah compliance from the application through closing, our supervisory Board guides Zayan Finance's development of financial solutions and independently reviews Zayan Finance contracts.

The Declining Balance Program - Integrity in Financing

Employing the Diminishing Partnership (Musharaka Mutanaqisa) model of Islamic financing, Zayan Finance introduces a fresh new way of doing business. By financing properties through a co-ownership structure rather than a loan, Zayan enables commercial real estate financing that is practical and completely Shari'ah compliant. That's why we focus on client relationships. Ensuring what is right for our clients, and working step-by-step throughout the process is our mission.

That is the very cornerstone of Shari'ah compliance and what makes Zayan Finance a true partner with our clients.

Dr. Abdul Sattar Abu Ghuddah, Chairman
Dr. Abdul Sattar Abu Ghuddah holds a PhD in Islamic Law from Al Azhar University in Cairo, Egypt, one of the world's most respected institutions of Islamic learning. Dr. Abu Ghuddah is an active member of the Islamic Fiqh Academy in Saudi Arabia. He is also a member of the Shari'ah Board of the Accounting & Auditing Standards Board of Islamic Financial Institutions (AAOIFI) in Bahrain, the industry's independent standards body that prepares accounting, governance, and Shari'ah guidelines for Islamic financial institutions.

Dr. Abu Ghuddah teaches Islamic Law (Fiqh), Islamic studies and Arabic in Riyadh, Saudi Arabia. In addition, he contributed to the compilation of the Fiqh Encyclopedia at the Ministry of 'Awqaf' (Endowments) and Islamic Affairs in Kuwait and was a member of its prestigious 'Fatwa' Board from 1982 to 1990.

His other positions currently include:

Dr. Muhammad Imran Ashraf Usmani
Dr. Muhammad Imran Ashraf Usmani holds M. Phil and PhD degrees in Islamic Finance and graduated as a scholar from Jamia Darul Uloom in Karachi, Pakistan. He also specialized in Islamic Jurisprudence at the same institution.

Dr. Usmani is internationally renowned for conducting training sessions and seminars around the world in the area of Islamic finance and has been the resident scholar in the area of Islamic Law (Fiqh) at Jamia Darul-Uloom in Karachi, Pakistan since 1998. Dr. Usmani's book Meezan Bank's Guide to Islamic Banking has become a standard text in understanding Islamic Banking. He is the son of the renowned Justice (Retired) Taqi Usmani, a pioneer in the field of Islamic Finance.

His other positions currently include:

Shaikh Esam Ishaq
Shaikh Esam Ishaq holds a degree in Political Science from McGill University, Canada. He is currently teaching Islamic Law and Theology in Bahrain and is recognized as an emerging leader in the discipline of Islamic Finance.

Shaikh Ishaq serves on the Boards of major Islamic financial institutions including Arcapita Bank, AAOIFI, and Al Baraka Islamic Bank.

His other positions currently include: