Sharia Supervisory Board

“As for the good land, its vegetation emerges by the permission of its Lord.”
– Surah Al-A'raf, Verse 58

All praise is due to Allah, Lord of the Worlds. And may peace and blessings be upon the Master of the Messengers, our Prophet Muhammad, and upon his family and companions.

In the name of Allah we begin, and with His blessings we proceed.
With Allah’s guidance and facilitation, from the blessed and noble soil of the Holy Land, ARMT was established. Rooted firmly in its values (“its roots are firm”), the company has launched its journey with the utmost care through its founding body, Board of Directors, and all administrative teams.

Operating across a wide network of branches throughout the nation, the company is fully committed to managing Takaful operations (products) as an agent on behalf of the participants. The company neither owns nor shares in the Takaful fund. Rather, the fund belongs solely to the policyholders, and is used exclusively for Takaful operations and compensation.

The company is deeply committed to adhering to the noble principles of Islamic Sharia, avoiding uncertainty (gharar), usury (riba), and gambling (maysir). It safeguards the rights of all parties with fairness and integrity, aiming to promote the values of cooperation as prescribed by our noble religion.

Allah Almighty says:
"And cooperate in righteousness and piety, but do not cooperate in sin and aggression."
– Surah Al-Ma’idah, Verse 2

All of the company’s operations are continually supervised by a Sharia Supervisory Board, ensuring that the participant (Takaful member) can be confident that choosing ARMT is indeed the right, sound, and blessed choice for a cooperative Takaful system that complies fully with the principles of Islamic Sharia.

With prayers for everyone’s safety and well-being,

Chairman of the Sharia Supervisory Board
ARMT 

Dr. Khamees Abedah