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A Mixed-Methods Design Science Research (DSR) framework evaluating a "Glass Box" digital wealth stewardship system that translates classical Fiqh al-Mu'amalat, AAOIFI, and localized DSES standards into a hybrid deterministic and predictive software architecture, validated under simulated-fundamental conditions.
This framework is built upon a **Mixed-Methods Design Science Research (DSR)** design. It bridges the gap between static theological constructs and active capital market realities by synthesizing **Wahy (Revelation)** as the fixed principle (*Thawabit*) and **'Aql (Reason)** as the variable computational application (*Mutaghayyirat*).
Excludes Riba (Conventional Finance), Alcohol, Pork, Gambling, Adult Media, Tobacco & Weapons
Interest-Bearing Debt / Denominator (Market Cap or Total Assets) < 30% (AAOIFI) or < 33%
Cash & Interest-Bearing Deposits / Denominator < 30% (AAOIFI) or < 33%
Non-halal revenue fraction must be < 5% of total
Tangible Assets $\ge$ 51% for premium tradability (AAOIFI 59)
The screening engine filters listed equities using a deterministic, five-layer screening protocol. If financial reports are missing or incomplete, the system enforces the legal maxim of certainty ('Al-Yaqin la Yazul bi al-Shakk') and defaults the stock to a Doubtful status.
Serves as an active gatekeeper at the deposit gateway, verifying incoming cash flows and trade license metadata to programmatically prevent the intermingling of Halal and Haram wealth.
Consolidates internal brokerage portfolios with user-declared external wealth (gold, silver, cash, real estate) into a single SQL/Prisma database schema, providing the unified input needed for correct Zakat and Faraid calculations.
Enforces a unified purification and Zakat workflow. It cleanses non-permissible corporate revenues using the Total Income Method and computes Zakat on eligible assets using the Net Investable Assets approach.
Evaluates the user's financial resilience (Financial Immunity Score - S_imm) to shield wealth from shocks. This is monitored daily at 02:00 AM by The Sentinel cron job to trigger alerts and protection locks.
Matches risk exposure to the user's financial capacity and psychometric score, executing rebalancing under the digital Wakalah mandate when allocations drift.
Programmatically executes Hanafi Faraid estate division, resolving complex share distributions and executing precautionary parallel simulations for intersex heirs.
Simulates investment strategies in historical conditions using rolling out-of-sample data windows to validate portfolio immunity, and projects ratio trajectories to forecast compliance risks.
Disclaimer: The algorithmic calculations, Shariah screening status, and historical backtests displayed on this portal represent research prototypes modeled on the Hanafi school of Islamic jurisprudence. They are for educational and academic verification purposes only and do not constitute financial advice.