01
Legal structuring
Qirāḍ agreements, mandates, trust instructions, transaction documents, governance and compliance coordination led by Isma-eel Isaacs.
Qirad GroupHalal capital.
Halal capital.
Professional management.
Transparent governance.
Qirad Group connects Capital Providers with carefully assessed halal SME opportunities through legally documented qirāḍ partnerships, commercial due diligence and independent Sharīʿah review.
Fixed 12-month agreement20% / 80% of actual Net ProfitQuarterly reportingNo guaranteed return
Three governance pillars
Clarity before Capital.
The proposition is built around defined professional roles, documented controls and informed acceptance of commercial risk.
02
Commercial due diligence
Financial assessment, counterparty review, operational monitoring and recovery planning led by Maahier Esa.
03
Independent Sharīʿah review
The standard qirāḍ structure and material structures or variations are reviewed independently where reasonably required.
How participation works
A deliberate five-stage process.
The objective is to move from interest to informed participation without treating a website enquiry as an investment commitment.
Private briefing
Receive current opportunity information and ask questions privately.
Compliance review
Complete identity, authority and source-of-funds checks.
Agreement
Conclude a separate fixed 12-month qirāḍ agreement.
Controlled deployment
Capital is accepted and deployed only after contractual conditions are met.
Monitoring and accounting
Receive quarterly reporting and a final account at maturity or termination.
Intended opportunity universe
Real sectors. Lawful enterprise.
These categories describe the current mandate, not a promise that Capital will be deployed in every category.
Property
Residential and commercial
Acquisition, improvement, letting, sale or participation in approved South African property transactions.
Processes
Chemtec applications
Process-based commercial opportunities subject to technical and commercial assessment.
Healthcare supply
Medical supplies
Procurement, supply and sale of medical goods under lawful contracts.
Procurement
Government opportunities
Lawful quotation, tender and supply opportunities through applicable procurement platforms.
SME partnerships
Halal businesses
Qirāḍ, mushārakah, joint venture, equity, trade or other permissible participation with screened businesses.
One clear 12-month structure.
Term12 months from the Commencement Date.
Profit share20% of actual Net Profit to the Capital Provider; 80% to the Muḍārib.
ReportingAt least quarterly, plus distribution statements where a distribution is made.
Capital riskOrdinary commercial loss is borne by the Capital Provider.
Liquidity has consequences.
Capital may be illiquid during the fixed term. A Capital Provider who cancels or withdraws before maturity forfeits all profit attributable to the Capital.
The remaining amount due is payable within one Business Month after a valid Cancellation Note, after lawful losses, liabilities, permitted expenses and final reconciliation.
Read the full risk disclosure →The 80% explained
What Qirad Group’s share covers.
The Muḍārib is not paid a fixed management fee from Capital for its ordinary work. Its remuneration depends on actual Net Profit being realised.
Opportunity sourcing and preliminary screening
Legal and qirāḍ structuring
Financial and commercial due diligence
Negotiation and contracting
Sharīʿah-review coordination
Capital deployment controls
Operational monitoring
Profit verification and reporting
Recovery, enforcement and exit management
No Qirad Group profit share where no Net Profit is realised
Responsible people
Know who manages the mandate.
Qirad Group is an unincorporated partnership between the two authorised Muḍārib partners. Independent Sharīʿah review remains external to commercial management.
Managing and Authorised Partner
Isma-eel Isaacs
Attorney, qirāḍ specialist and Imam. Leads legal and qirāḍ structuring, agreements, governance, compliance coordination, Capital Provider administration, trust instructions, records and distributions.
Commercial Partner
Maahier Esa
Business and commercial specialist. Leads commercial due diligence, financial and business assessment, SME engagement, operational monitoring, performance analysis and recovery or exit planning.
External Sharīʿah Reviewer
Shaykh Ebrahim Charles
Islamic scholar engaged independently for review of the standard qirāḍ structure and material variations where reasonably required. He is not a Muḍārib, commercial manager or guarantor.
Branded monograms are used until approved professional headshots are supplied.
Safeguards and risks
See both sides before deciding.
Governance controls reduce avoidable risk. They do not remove genuine commercial risk.
Controls
- Signed fixed 12-month qirāḍ agreement
- Defined investment mandate and prohibited uses
- Legal and commercial review coordinated by the responsible partners
- Approval by both Muḍārib partners for material deployment
- Separate attorney trust ledger for temporary administration
- Quarterly reporting and documented related-party controls
- FICA, authority and source-of-funds procedures
The Isaacs Attorneys trust account is a temporary holding and controlled distribution mechanism. It is not investment insurance and does not guarantee Capital, profit or Fidelity Fund compensation.
Risks
- Capital and profit are not guaranteed.
- Some or all Capital may be lost through ordinary commercial loss.
- Capital may be illiquid during the 12-month term.
- Tenders, contracts, property transactions and customer payments may fail or be delayed.
- Sector-specific operational, counterparty, market and regulatory risks remain.
- Early cancellation results in forfeiture of profit and payment only after final reconciliation.
Documents and informed consent
Read before you participate.
Public documents are provided as controlled PDF copies. Investment-specific completion and schedules govern the actual opportunity.
Qirāḍ Partnership Agreement
The commercial terms, mandate, risk allocation, cancellation rules, reporting and execution framework.
Open PDFPartnership Constitution
The internal roles, authority, approval controls, conflicts, trust administration and responsibility of the partners.
Open PDFFICA Due Diligence Form
The identity, beneficial ownership, authority, source-of-funds and internal risk-assessment framework used during onboarding.
Open PDFOnly PDF copies are published. Bank-account details are supplied privately and must be verified directly with Isaacs Attorneys before any payment.
Begin with understanding, not a promise
Request a private briefing.
Receive the standard documents, discuss the present opportunity universe and decide whether further onboarding is appropriate.