Prompts
Juristische KI-Prompts für Islamic Finance & Sharia
8 prompts you can paste straight into HAQQ or any other assistant. Every one is written out in full - open it, copy it, change the bracketed parts.
Murabaha Facility AgreementAgreementEnterpriseDraft / Generate
Act as Islamic finance counsel drafting a murabaha facility under which [FINANCIER] buys [ASSET] and on-sells it to [CUSTOMER] at a disclosed cost-plus price, performed in [COUNTRY] under governing law [GOVERNING LAW]. Commercial terms: [COST, PROFIT AMOUNT OR RATE, TENOR, INSTALMENT SCHEDULE, SECURITY]. Keep the financier's ownership and risk window intact between purchase and resale — that sequence is what separates a murabaha from an interest-bearing loan, so do not collapse it into a single step. Do not state a Sharia standard or a local-law rule you cannot attribute to a named source; mark it To Be Confirmed and refer it to the Sharia Supervisory Board or local counsel. Return: (1) Transaction Steps — the ordered sequence from purchase order to title transfer, with the document evidencing each step and the party that signs it; (2) Facility Agreement — full text covering cost, profit, aggregate sale price, payment schedule and delivery; (3) Ownership and Risk Window — how title and risk of loss pass, how long the financier holds them, and what happens if the asset perishes before on-sale; (4) Late Payment Treatment — a charge structured so it is not a penalty on money, any charity-donation mechanism, and whether the courts of [COUNTRY] are likely to enforce it; (5) Sharia Risk Register — features that commonly attract objection (appointing the customer as purchasing agent, a binding promise to purchase, commodity legs with no real asset, profit repricing), each with the drafting fix; (6) Security Package — mortgage, pledge, assignment or guarantee available in [COUNTRY], with the registration step and its timing; (7) Document Checklist — purchase order, agency appointment, offer and acceptance notices, delivery receipt, any cheque or promissory note, and regulatory notifications; (8) Board and Counsel Questions — the short list for the Sharia Supervisory Board and for local counsel before execution. This is a drafting aid for a qualified practitioner, not legal or Sharia advice.
Ijara Lease and Lease-to-Own AgreementAgreementExpertDraft / Generate
Act as Islamic finance counsel drafting an ijara over [ASSET] between [LESSOR] and [LESSEE] in [COUNTRY] under governing law [GOVERNING LAW], structured as [an operating lease / ijara muntahia bittamleek ending in transfer of ownership]. Terms: [RENTAL AMOUNT AND FREQUENCY, TERM, ASSET VALUE, PURCHASE OR GIFT UNDERTAKING, INSURANCE ARRANGEMENT]. The lessor keeps ownership and the obligations that come with it for the whole term — do not draft it as a finance lease that leaves the lessee carrying every risk of an owner. Do not state a Sharia standard or a local-law rule you cannot attribute to a named source; mark it To Be Confirmed. Return: (1) Lease Agreement — full text with the asset description, delivery and acceptance, rental schedule, permitted use and return condition; (2) Ownership Obligations Split — which costs sit with the lessor as owner (structural maintenance, ownership taxes, insuring the asset) and which sit with the lessee as user (operating maintenance, consumables, usage charges), each drafted expressly; (3) Rental Variation — how a floating rental is set for each period so the amount is known before the period starts, rather than left uncertain; (4) Total Loss and Interruption — what happens to rent when the asset cannot be used, and how insurance or takaful proceeds are applied; (5) Transfer Mechanism — if ownership is to pass at the end, the separate undertaking (sale at a nominal or residual price, or gift) kept outside the lease itself, and why that separation matters; (6) Sharia Risk Register — clauses that commonly attract objection (rent accruing before delivery, penalty rent, lessee bearing total-loss risk, combining sale and lease in one instrument), each with the fix; (7) Local Form and Registration — signature, stamp, notarisation, lease registration or asset-registry filing to confirm in [COUNTRY], and the consequence of not filing; (8) Open Questions — for the Sharia Supervisory Board and for local counsel. This is a drafting aid for a qualified practitioner, not legal or Sharia advice.
Sukuk Structure and AAOIFI Compliance ReviewChecklistEnterpriseCompliance / Due Diligence
Act as capital markets counsel reviewing a proposed sukuk issuance by [ORIGINATOR] of [SIZE AND CURRENCY], structured as [ijara / murabaha / mudaraba / musharaka / wakala / hybrid], issued through [SPV AND ITS JURISDICTION], listed on [EXCHANGE], with governing law [GOVERNING LAW] and underlying assets in [COUNTRY]. The question the whole review turns on is whether certificate-holders own a real interest in identified assets or only a claim against the originator dressed as ownership — answer it explicitly. Do not state an AAOIFI Sharia standard, a listing rule or a local-law position you cannot attribute to a named source; mark it To Be Confirmed and refer it to the Sharia Supervisory Board or local counsel. Return: (1) Structure Diagram in Words — each party, each contract between them, and the direction of every cash flow from subscription to redemption; (2) Asset Test — what the certificate-holders actually own, whether the assets are identified and transferable under the law of [COUNTRY], and whether true sale or only beneficial transfer is achieved; (3) AAOIFI Alignment Checklist — the standards engaged by this structure, and for each one a Met / Gap / To Be Confirmed line with the drafting or structural change needed; (4) Purchase Undertaking Analysis — how the redemption obligation is drafted, whether it prices at par or at market or asset value, and why that distinction matters for the ownership-risk question; (5) Enforcement Reality — what a certificate-holder can actually enforce against, in which forum, and whether the asset transfer would be recognised on the originator's insolvency in [COUNTRY]; (6) Disclosure Gaps — the Sharia, asset, tax and enforcement risk factors the offering document should carry, with a draft heading for each; (7) Approvals and Filings — Sharia board pronouncement, regulator approval, listing, asset-registry and tax steps in sequence with owners and lead times; (8) Decision Memo — the three structural issues most likely to stop this deal, and the question to put to the Sharia Supervisory Board on each. This is a review aid for a qualified practitioner, not legal, tax or Sharia advice.
Sharia Supervisory Board Fatwa Request PackMemoExpertDraft / Generate
Act as in-house counsel preparing a submission to the Sharia Supervisory Board of [INSTITUTION] seeking a pronouncement on [PRODUCT OR TRANSACTION]. Background: [COMMERCIAL PURPOSE, PARTIES, ASSET OR UNDERLYING, CASH FLOWS, JURISDICTION, ANY PRIOR PRONOUNCEMENT RELIED ON]. Write it so a scholar can rule without a second meeting: state the mechanics plainly, surface the features you expect to be questioned rather than burying them, and separate what the documents say from what the parties intend to do in practice. Do not assert a Sharia position or attribute a view to a school or a standard-setter you cannot source; put it as a question instead. Return: (1) Request Summary — one paragraph a scholar can read first, naming the exact ruling sought; (2) Transaction Mechanics — step by step, with the contract governing each step, who owns what at each moment, and where the money sits; (3) Commercial Rationale — why the institution wants this and what the customer gets, stated without marketing language; (4) Issues Presented — each Sharia question as a numbered issue, with the feature that raises it and the alternative treatments available; (5) Precedent — prior pronouncements of this board or published standards the institution believes apply, each with what it actually decided and how close the facts are; (6) Points of Concern — the features most likely to attract objection, stated by us before the board finds them, with the mitigation offered for each; (7) Documents Annexed — the list with a one-line description of what each one does; (8) Requested Outcome and Conditions — the pronouncement asked for, the conditions the institution can accept, and the ongoing audit and reporting it will commit to. This is a drafting aid for a qualified practitioner, not Sharia advice, and it does not substitute for the board's own review.
Takaful Policy Wording ReviewReportExpertReview / Redline
Act as insurance counsel reviewing the policy wording of a takaful product offered by [OPERATOR] in [COUNTRY], operating on a [wakala / mudaraba / hybrid] model, covering [RISKS COVERED] for [PARTICIPANT TYPE]. Paste or describe the wording. A takaful is a mutual risk-sharing fund run by an operator for a fee — the participants' fund and the operator's own account are separate pools, and most drafting failures come from wording that quietly merges them. Test for that throughout. Do not state a Sharia standard or a regulatory requirement you cannot attribute to a named source; mark it To Be Confirmed. Return: (1) Model Statement — how this wording actually describes the operator's role and remuneration, and whether that matches the model claimed on the cover page; (2) Fund Separation Audit — every clause that touches the participants' fund, checked for whether contributions, claims, reserves, investment returns and expenses stay on the correct side of the line; (3) Surplus Distribution — how any underwriting surplus is calculated, who is entitled to it, when it is paid, and whether the operator can take a share of it on this model; (4) Deficit and Qard — what happens if the fund cannot meet claims, whether the operator lends interest-free to the fund, and how that loan is repaid; (5) Coverage and Exclusions Review — ambiguous grants, exclusions that swallow the cover, conditions precedent and notification periods, each with a suggested rewrite; (6) Sharia Risk Register — features commonly objected to (guaranteed returns to participants, investment of the fund in non-compliant assets, penalty charges, operator fee tied to surplus rather than to service), each with the fix; (7) Consumer Clarity Pass — the three places a participant would most likely misunderstand what they bought, and plain wording for each; (8) Findings Table and Next Steps — issue, clause reference, severity, proposed wording, and who signs it off. This is a review aid for a qualified practitioner, not legal or Sharia advice.
Waqf Endowment DeedAgreementExpertDraft / Generate
Act as counsel drafting a waqf deed by which [FOUNDER] endows [ASSET: property, shares, cash or income stream] in [COUNTRY] for the benefit of [BENEFICIARIES OR PURPOSE], administered by [NOMINATED ADMINISTRATOR]. Intended type: [charitable / family / mixed], and whether the founder wants it [perpetual / for a fixed term]. A waqf takes the asset out of the founder's estate permanently and locks it to a stated purpose — so the deed has to survive the founder, the administrator and a change of beneficiaries, and it has to say what happens when the stated purpose becomes impossible. Do not state a Sharia rule or a registration requirement you cannot attribute to a named source; mark it To Be Confirmed and refer it to the awqaf authority or local counsel. Return: (1) Deed — full text with the founder's declaration, the endowed asset described precisely enough to be registered, the purpose, and the date it takes effect; (2) Beneficiary Class — how beneficiaries are identified now and how new ones enter later, including generational language for a family waqf and the treatment of descendants by line and by gender; (3) Administration — the administrator's powers, what needs consent, remuneration, removal and succession, and the reserve powers of the supervising authority; (4) Income and Capital Rules — what may be spent, what must be preserved, whether the asset may be sold and substituted, and how surplus is accumulated or distributed; (5) Failure of Purpose — the substitute purpose if the stated one becomes impossible or unlawful, drafted so the endowment does not lapse; (6) Interaction with Inheritance — how the endowment sits against the founder's estate and the fixed shares of heirs, and the questions this raises where the founder endows during final illness or endows more than the disposable portion; (7) Registration and Formalities — the authority, the deed form, notarisation, asset-registry transfer, tax and reporting steps in [COUNTRY], each with owner and sequence; (8) Open Questions — for the awqaf authority, for local counsel and for the family. This is a drafting aid for a qualified practitioner, not legal or Sharia advice.
Islamic Inheritance (Fara'id) Issue-SpotterMemoExpertResearch / Authorities
Act as succession counsel preparing an issue-spotting memo on the estate of [DECEASED], who died [DATE] domiciled in [COUNTRY], leaving [SURVIVING RELATIVES, with relationship, line and whether alive at the date of death] and [ASSETS AND WHERE THEY SIT]. Do not compute the shares. Fixed shares under fara'id depend on the complete set of surviving heirs and on the school of law applied, and a share stated on incomplete facts is worse than no answer — so your job is to establish what must be known and who must decide, not to produce fractions. Do not state a rule you cannot attribute to a named code, ruling or authoritative text; mark it To Be Confirmed. Return: (1) Facts Still Missing — every fact that could change the outcome, as a numbered questionnaire the family can answer, covering relatives who exclude others, order of deaths where two died close together, adoption and acknowledged paternity, and religion of each heir; (2) Applicable Regime — which law governs succession to each asset (domicile, nationality, location of the asset, any election made in a will), and where the answer differs between an asset in [COUNTRY] and one abroad; (3) Heir Map — the surviving relatives arranged by category, marking who is a fixed-share heir, who is a residuary, and who is excluded by the presence of another, with the question mark on each uncertain branch; (4) Prior Charges — funeral costs, debts, and any bequest, in the order they come off the estate before distribution; (5) Bequest Limits — the disposable portion, whether a bequest to an heir needs the other heirs' consent, and what happens to an over-large bequest; (6) Cross-Border Friction — assets in a non-applying jurisdiction, foreign wills, joint accounts, life policies and company shares, each with the conflict it creates; (7) Process Map — the court or authority that issues the succession certificate in [COUNTRY], the documents required, translation and legalisation needs, and the realistic timeline; (8) Referral Note — the precise question to put to a qualified succession practitioner and, where the family wishes, to a scholar. This is a fact-gathering aid, not a share calculation and not legal or Sharia advice.
Converting a Conventional Facility to a Sharia-Compliant StructureReportExpertReview / Redline
Act as Islamic finance counsel assessing whether an existing conventional facility can be restructured on Sharia-compliant terms. Paste or describe the facility: [TYPE, LENDER, BORROWER, PRINCIPAL, INTEREST BASIS, FEES, TENOR, SECURITY, GOVERNING LAW, COUNTRY OF PERFORMANCE]. The reason for the request is [INVESTOR MANDATE / CUSTOMER REQUEST / LISTING OR FUND REQUIREMENT / ACQUISITION BY AN ISLAMIC INSTITUTION]. Do not simply rename the interest — say honestly which features can be restructured, which have to be removed, and where the economics genuinely change for one side. Do not state a Sharia standard or a local-law rule you cannot attribute to a named source; mark it To Be Confirmed and refer it to the Sharia Supervisory Board. Return: (1) Non-Compliance Findings — clause by clause, what makes this facility non-compliant, ranked by how central it is (interest on money, penalty interest, sale of debt, uncertainty in price or delivery, use of proceeds, guaranteed return); (2) Candidate Structures — the two or three compliant structures that could carry these economics, with the trade-off of each in plain terms; (3) Recommended Structure — the one you would take forward, the transaction steps it requires, and the new documents needed; (4) Economic Delta — where the restructured deal is genuinely worse or better for each side (timing of cash flows, prepayment, late payment, tax, security enforcement), stated numerically where the inputs allow and flagged as an assumption where they do not; (5) Documents to Amend or Replace — a table of every existing document, whether it is amended, replaced or discharged, and in what order so security is never left unperfected; (6) Use of Proceeds and Business Screen — whether the borrower's activities and the intended use would themselves pass a compliance screen, and what a mixed-activity borrower has to change; (7) Approvals and Timing — Sharia board, credit committee, regulator, security registries and any listing or fund requirement, sequenced with lead times; (8) Recommendation — proceed, restructure partially, or decline, with the reason and the questions for the Sharia Supervisory Board. This is an analysis aid for a qualified practitioner, not legal, tax or Sharia advice.