{"id":11,"date":"2026-01-03T20:00:04","date_gmt":"2026-01-03T20:00:04","guid":{"rendered":"http:\/\/localhost:8000\/?standard=sharia-standards"},"modified":"2026-04-18T12:53:56","modified_gmt":"2026-04-18T12:53:56","slug":"sharia","status":"publish","type":"standard","link":"https:\/\/cis.aaoifi.com\/ru\/standard\/sharia\/","title":{"rendered":"\u0428\u0430\u0440\u0438\u0430\u0442\u0441\u043a\u0438\u0435 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u044b"},"content":{"rendered":"<p>Shari&#8217;ah standards are a foundation for credibility in partnership finance. They provide structured guidance on principles, contracts, governance expectations and practical application, helping institutions deliver products and services that are consistent, transparent and aligned with Shari&#8217;ah objectives.<\/p>\n<p>The AAOIFI Centre for Islamic Finance Development supports regulators, institutions and professionals in understanding and applying AAOIFI Shari&#8217;ah standards through practical enablement, capacity building and implementation-oriented engagement, including localisation support aligned with national frameworks.<\/p>\n<h2>What the Shari&#8217;ah standards cover<\/h2>\n<p>AAOIFI Shari&#8217;ah standards provide guidance across the lifecycle of partnership finance activities, typically addressing:<\/p>\n<ul>\n<li><strong>\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430 \u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430<\/strong> \u043e\u0442\u043d\u043e\u0441\u044f\u0449\u0438\u0435\u0441\u044f \u043a \u0438\u0441\u043b\u0430\u043c\u0441\u043a\u0438\u043c \u0444\u0438\u043d\u0430\u043d\u0441\u0430\u043c (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u043d\u0430 \u043f\u0440\u043e\u0434\u0430\u0436\u0435, \u0430\u0440\u0435\u043d\u0434\u0435 \u0438 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u0442\u0432\u0435)<\/li>\n<li><strong>Shari&#8217;ah compliance requirements<\/strong> \u0438 \u043e\u0431\u0449\u0438\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0434\u043b\u044f \u0437\u0430\u0449\u0438\u0442\u044b \u0446\u0435\u043b\u043e\u0441\u0442\u043d\u043e\u0441\u0442\u0438 \u0438 \u0438\u0437\u0431\u0435\u0436\u0430\u043d\u0438\u044f \u0437\u0430\u043f\u0440\u0435\u0449\u0435\u043d\u043d\u044b\u0445 \u044d\u043b\u0435\u043c\u0435\u043d\u0442\u043e\u0432<\/li>\n<li><strong>\u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u043e \u043f\u043e \u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u044e<\/strong> \u043a\u043e\u0442\u043e\u0440\u0430\u044f \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 \u043f\u043e\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u0442\u0435\u043b\u044c\u043d\u0443\u044e \u0438\u043d\u0442\u0435\u0440\u043f\u0440\u0435\u0442\u0430\u0446\u0438\u044e \u0438 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u044e<\/li>\n<li><strong>\u043e\u0436\u0438\u0434\u0430\u043d\u0438\u044f, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0435 \u0441 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435\u043c<\/strong>, including the role of Shari&#8217;ah supervision and controls within institutions<\/li>\n<li><strong>\u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u0430\u0446\u0438\u044f \u0438 \u0434\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430<\/strong> \u0441\u043e\u043e\u0431\u0440\u0430\u0436\u0435\u043d\u0438\u044f, \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0449\u0438\u0435 \u043f\u0440\u043e\u0432\u0435\u0440\u044f\u0435\u043c\u043e\u0435, \u043e\u0442\u0441\u043b\u0435\u0436\u0438\u0432\u0430\u0435\u043c\u043e\u0435 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0435<\/li>\n<\/ul>\n<p>Shari&#8217;ah standards help align market practice across institutions and reduce uncertainty arising from fragmented interpretation.<\/p>\n<h2>Why Shari&#8217;ah standards matter<\/h2>\n<h3>\u041d\u0430\u0434\u0435\u0436\u043d\u043e\u0441\u0442\u044c \u0438 \u0434\u043e\u0432\u0435\u0440\u0438\u0435 \u0437\u0430\u0438\u043d\u0442\u0435\u0440\u0435\u0441\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u0441\u0442\u043e\u0440\u043e\u043d<\/h3>\n<p>Clear and consistent Shari&#8217;ah compliance strengthens trust for customers, investors, regulators and the wider market.<\/p>\n<h3>\u0421\u043e\u0433\u043b\u0430\u0441\u043e\u0432\u0430\u043d\u043d\u043e\u0441\u0442\u044c \u043c\u0435\u0436\u0434\u0443 \u0443\u0447\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u044f\u043c\u0438 \u0438 \u044e\u0440\u0438\u0441\u0434\u0438\u043a\u0446\u0438\u044f\u043c\u0438<\/h3>\n<p>\u0421\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u044b \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0442 \u043e\u0431\u0449\u0438\u0439 \u044f\u0437\u044b\u043a \u0438 \u043e\u0431\u0449\u0443\u044e \u0442\u043e\u0447\u043a\u0443 \u043e\u0442\u0441\u0447\u0435\u0442\u0430, \u0443\u043c\u0435\u043d\u044c\u0448\u0430\u044f \u0440\u0430\u0441\u0445\u043e\u0436\u0434\u0435\u043d\u0438\u044f \u0432 \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0435, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043c\u043e\u0433\u0443\u0442 \u043e\u0441\u043b\u0430\u0431\u0438\u0442\u044c \u0434\u043e\u0432\u0435\u0440\u0438\u0435 \u0440\u044b\u043d\u043a\u0430.<\/p>\n<h3>\u0423\u0441\u0438\u043b\u0435\u043d\u0438\u0435 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0438 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f<\/h3>\n<p>Shari&#8217;ah compliance is not only a product design issue; it is also operational. Standards support the design of governance, controls and evidence trails that sustain compliance over time.<\/p>\n<h3>\u0421\u043d\u0438\u0436\u0435\u043d\u0438\u0435 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0433\u043e \u0438 \u0440\u0435\u043f\u0443\u0442\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430<\/h3>\n<p>\u0427\u0435\u0442\u043a\u0438\u0435 \u043e\u0436\u0438\u0434\u0430\u043d\u0438\u044f \u0438 \u0434\u0438\u0441\u0446\u0438\u043f\u043b\u0438\u043d\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0435 \u0432\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u0435 \u0441\u043d\u0438\u0436\u0430\u044e\u0442 \u0440\u0438\u0441\u043a \u043d\u0435\u043f\u0440\u0430\u0432\u0438\u043b\u044c\u043d\u043e\u0433\u043e \u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u044f \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u0430, \u043f\u0440\u043e\u0431\u0435\u043b\u043e\u0432 \u0432 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u0430\u0446\u0438\u0438 \u0438\u043b\u0438 \u043d\u0435\u0441\u043e\u0433\u043b\u0430\u0441\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0439, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043c\u043e\u0433\u0443\u0442 \u043d\u0430\u043d\u0435\u0441\u0442\u0438 \u0440\u0435\u043f\u0443\u0442\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0439 \u0443\u0449\u0435\u0440\u0431.<\/p>\n<h3>\u041b\u0443\u0447\u0448\u0430\u044f \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u0441 \u0441\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u044b\u043c\u0438 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u044f\u043c\u0438 \u0438 \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u044f\u043c\u0438<\/h3>\n<p>\u041f\u0440\u0438 \u043f\u0440\u0430\u0432\u0438\u043b\u044c\u043d\u043e\u043c \u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u0438 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043e\u0432 \u0443\u0447\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u044f \u043c\u043e\u0433\u0443\u0442 \u0432\u043d\u0435\u0434\u0440\u044f\u0442\u044c \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u0438, \u0441\u043e\u0445\u0440\u0430\u043d\u044f\u044f \u043f\u0440\u0438 \u044d\u0442\u043e\u043c \u0434\u0438\u0441\u0446\u0438\u043f\u043b\u0438\u043d\u0443, \u043f\u0440\u043e\u0437\u0440\u0430\u0447\u043d\u043e\u0441\u0442\u044c \u0438 \u043f\u043e\u0434\u043e\u0442\u0447\u0435\u0442\u043d\u043e\u0441\u0442\u044c.<\/p>\n<h2>How the Centre supports adoption and implementation<\/h2>\n<p>We support Shari&#8217;ah standards enablement through phased, practical engagement adapted to market maturity and institutional readiness.<\/p>\n<p><strong>Awareness and orientation<\/strong><\/p>\n<ul>\n<li>Executive briefings for senior management and boards<\/li>\n<li>Foundational workshops for product, compliance, finance and risk teams<\/li>\n<li>Common terminology sessions to align cross-functional understanding<\/li>\n<\/ul>\n<p><strong>Readiness and gap assessment<\/strong><\/p>\n<ul>\n<li>Review of current Shari&#8217;ah governance arrangements and workflows<\/li>\n<li>Mapping of product lifecycle controls (from structuring to execution and monitoring)<\/li>\n<li>Identification of documentation and evidence gaps<\/li>\n<\/ul>\n<p><strong>Localisation support<\/strong><\/p>\n<ul>\n<li>Mapping AAOIFI Shari&#8217;ah standards to national requirements and market practices<\/li>\n<li>Identifying areas requiring sequencing, clarification or additional guidance<\/li>\n<li>Supporting alignment discussions, where appropriate<\/li>\n<\/ul>\n<p><strong>Implementation planning and controls design<\/strong><\/p>\n<ul>\n<li>Practical implementation roadmaps for Shari&#8217;ah standards adoption<\/li>\n<li>Guidance on integrating requirements into policies, procedures and product governance<\/li>\n<li>Support for building monitoring and reporting routines<\/li>\n<\/ul>\n<p><strong>Technical clinics and capability transfer<\/strong><\/p>\n<ul>\n<li>Topic-specific clinics on complex implementation themes<\/li>\n<li>Case-based learning sessions for product and governance teams<\/li>\n<li>Support for internal Shari&#8217;ah teams and cross-functional stakeholders to build sustainable capability<\/li>\n<\/ul>\n<h2>Typical deliverables<\/h2>\n<p>Depending on scope, typical deliverables may include:<\/p>\n<ul>\n<li>Shari&#8217;ah standards adoption roadmap and sequencing plan<\/li>\n<li>Readiness assessment and priority workplan<\/li>\n<li>Shari&#8217;ah governance workflow review and improvement recommendations<\/li>\n<li>Training and capability pathway for Shari&#8217;ah and cross-functional teams<\/li>\n<li>Clinic and workshop materials focused on practical application<\/li>\n<li>Non-confidential guidance notes (where publishable and appropriate)<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Shari&#8217;ah standards are a foundation for credibility in partnership finance. They provide structured guidance on principles, contracts, governance expectations and practical application, helping institutions deliver products and services that are consistent, transparent and aligned with Shari&#8217;ah objectives. The AAOIFI Centre for Islamic Finance Development supports regulators, institutions and professionals in understanding and applying AAOIFI Shari&#8217;ah [&hellip;]<\/p>\n","protected":false},"template":"","meta":[],"standard_category":[11],"class_list":["post-11","standard","type-standard","status-publish","hentry","standard_category-ss"],"_links":{"self":[{"href":"https:\/\/cis.aaoifi.com\/ru\/wp-json\/wp\/v2\/standard\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cis.aaoifi.com\/ru\/wp-json\/wp\/v2\/standard"}],"about":[{"href":"https:\/\/cis.aaoifi.com\/ru\/wp-json\/wp\/v2\/types\/standard"}],"wp:attachment":[{"href":"https:\/\/cis.aaoifi.com\/ru\/wp-json\/wp\/v2\/media?parent=11"}],"wp:term":[{"taxonomy":"standard_category","embeddable":true,"href":"https:\/\/cis.aaoifi.com\/ru\/wp-json\/wp\/v2\/standard_category?post=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}