Rule 1
وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا
Al-Baqarah 2:275
Trade, never interest
No margin, no leverage, no interest-bearing cash. Nobody can force a sale, so a fall can be waited out.
Āl ʿImrān, verse 14
The Quran is here until the end of time. So is what it calls wealth.
Gold, silver, horses, cattle and tilled land are named in one verse. Iron, copper, water and trade run through the rest of the book. Prices move. The value stays. This is a portfolio built on that belief, and screened the halal way.
01The belief
The verse behind the portfolio
Āl ʿImrān 3:14 names the wealth people love. Each one is a sector below.
زُيِّنَ لِلنَّاسِ حُبُّ الشَّهَوَاتِ مِنَ النِّسَاءِ وَالْبَنِينَ وَالْقَنَاطِيرِ الْمُقَنطَرَةِ مِنَ الذَّهَبِ وَالْفِضَّةِ وَالْخَيْلِ الْمُسَوَّمَةِ وَالْأَنْعَامِ وَالْحَرْثِ ۗ ذَٰلِكَ مَتَاعُ الْحَيَاةِ الدُّنْيَا ۖ وَاللَّهُ عِندَهُ حُسْنُ الْمَآبِ
Made attractive to people is the love of desires: women and sons, heaped-up hoards of gold and silver, fine branded horses, cattle and tilled land. That is the enjoyment of this worldly life, and with Allah is the best return.
Named in the Quran. Valuable until the end of time.
Prices rise and fall. What the Quran calls wealth stays wealth.
02The method
Four rules we invest by
Each rule comes from the Quran.
Rule 2
وَالَّذِينَ يَكْنِزُونَ الذَّهَبَ وَالْفِضَّةَ
At-Tawbah 9:34
Hold it, pay its zakat
Gold and silver owe 2.5% zakat a year above nisab (85 g gold, 595 g silver). Budget for it from day one.
Rule 3
لَكُمْ فِيهَا دِفْءٌ وَمَنَافِعُ
An-Naḥl 16:5
Own what pays you
Rent from land, dividends from miners, milk from the herd. Income lets you hold through a falling price.
Rule 4
تَزْرَعُونَ سَبْعَ سِنِينَ دَأَبًا
Yūsuf 12:47
Buy in the lean years
Yusuf stored in the seven good years and released in the seven hard ones. We flag good businesses in a lean year.
03The checks
How we check every investment
First the Shariah screen. Then the quality check. A company must pass the first to be listed, and we show how it does on the second, even when the answer is bad.
Shariah screen AAOIFI Standard 21
- Interest-bearing debt, against market valueunder 30%
- Interest-bearing cash and securitiesunder 30%
- Income from prohibited activityunder 5%
- Gold and silver: real metal, owned, bought on the spotStandard 57
Quality check Our line
- Return on invested capital12% or more
- Debt against equityunder 0.5x
- Forward price to earnings, or cheap on cash20 or less
- Pays you while you waityes
Pick
Passes both checks.
Quality, wait
A great business, priced above our line today.
Bench
Halal and decent. The second choice.
Watch
Halal, with one named risk.
Avoid
Halal, but a weak business.
04The portfolio
The portfolio: 9 sectors, 3 options each
In the order the Quran names them. Every option has its Shariah screen beside it. Saudi-listed companies and Islamic finance firms are marked.
05Membership
Membership: the monthly update
The portfolio is free to read. Screens go stale with every quarterly filing, so members get it kept current.
Free
- Nine sectors, three options each
- The Shariah screen beside every option
- The method and the verses behind it
Members · founding price at launch
The monthly screen
- Every name rescreened each month
- An alert the day a name fails its screen
- Purification and zakat worked out for each holding
- The reasoning behind every change
No paid placementsA company cannot pay to be listed, moved or kept.
Every holding disclosedIf we own it, it says so beside the name.
Every screen datedSource and date on every status and number.
06Disclosure
What this site is, and is not
General research
Qintar does not know your finances and does not tell any person what to buy. This is general research, not advice tailored to anyone (NI 31-103, s. 8.25).
Halal status
A screener's result on the date shown, not a fatwa. Screens change with every filing. Recheck on Zoya or Musaffa before you buy.
Sources
Numbers: stockanalysis.com. Screens: HalalScreener and Musaffa, AAOIFI method. Funds: issuers. All as of 2026-09-26 to 10-03. Draft: no holdings, no paid links.