Shariah Compliant Fully Automated

POOL MANAGEMENT SYSTEM

By Jami Partners

  • Market Gap
  • Pool Management System Overview
  • Core Capabilities

Market Gap Most systems/software available in the market lack below mentioned regulatory compliance

  • Involve manual intervention in designing weightage
  • Not having account wise multiple Pool/Fund Management
  • Lack hybrid (Product + Account wise) Pool/Fund Management
  • No option for Grouping Of Accounts
  • Not having Daily Pool/Fund Balance Sheet Management
  • Absence of Assets Transfer Memorandum/Register
  • Lack of Regulatory Compliance internal controls
  • Lack of Shariah Compliance internal controls

Must Have A Shariah Compliant Fully Automated Pool / Fund Management Solution

Majority players of the Islamic Banking industry are non-compliant or partially compliant to the SBP regulation.

Purpose-Built For Pool Management & Governance An end-to-end system that brings Structure, Automation, and Regulatory Control to pooled finance

Our PMS replaces disconnected tools and manual oversight with a purpose-built pool management system. By combining automated calculations, controlled asset flows, and real-time visibility, it closes critical governance gaps while supporting Shariah Compliance and Operational Scalability.

  • Reconciliation Controls
  • Interactive Dashboard
  • Weightage Designing
  • Shariah Standards
  • Transfer Of Assets
  • Profit & Loss Distribution
  • Grouping Of Accounts
  • Chart Of Accounts
  • Shariah Compliance
  • Multiple Investments
  • Financial Adjustments
  • Balance Sheet Management

Core Capabilities And Operational Benefits The platform brings Structure, Automation, and Governance to Shariah-Compliant Pool Management across its full lifecycle

The following capabilities demonstrate how PMS enables controlled pool operations, automated calculations, and transparent oversight through a single governed system.

Shariah Standard
(AAOIFI) Compliance

PMS, a software solution designed specifically to meet the rigorous requirements of the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI).

Seamlessly handle profit and loss sharing arrangements in line with Shariah guidelines.

Regulatory Compliance

PMS is meticulously crafted to meet the stringent regulatory requirements set forth by central banks globally.

Our software ensures that your institution adheres to all applicable laws, guidelines, and standards, mitigating the risk of non-compliance and potential penalties.

Chart Of Accounts
Management

PMS can streamline your chart of account management, ensure compliance with Sharia principles, and enhance the efficiency of your financial operations.

Multiple Investment
Pools Management

PMS offer specialized functionalities to manage multiple invesment pools in compliance with Islamic finance principles, ensuring transparency, accuracy, and adherence to Shariah law.

Reconciliation Controls

PMS comprehensive automated reconciliation capbility mitigate overlapping of investment funds for multiple Islamic deposit pools.

Balance Sheet Management

PMS robust segregation of funds functionality (Balance Sheet Management) allow tracking of investments across multiple pools ensurng Shariah compliance and transparency.

Islamic MDR Management

Robust MDR Management functionality compliant to the SBP's circular “IFPD Circular No. 09 of 2024”, where Islamic banks require to implement a system that automatically calculates the weighted average yield of financing pools and ensures saving depositors receive at least 75% of the pool yield.

Grouping & Tagging of Liability Accounts

PMS unique feature of deposit accounts grouping allow to configure different types of group deposit accounts according to Islamic financial principles.

To facilitates integrated profit-sharing mechanisms within group deposit accounts, ensuring accurate distribution

Automated CRR Calculation

PMS automated CRR calculation functionality is incompliance and aligns with SBP's liquidity and transparency mandates, as stated below:

Cash Reserve Requirement (CRR) funds must be included in the pool financed by deposits subject to CRR.

Shariah Compliance

PMS internal controls effectively manage investment pools in compliance to Shariah and regulatory requirements.

Capable of generating detailed reports on profit and loss distribution for Shariah compliance review.

Grouping & Tagging of Liability Accounts

PMS unique feature of deposit accounts grouping allow to configure different types of group deposit accounts according to Islamic financial principles.

To facilitates integrated profit-sharing mechanisms within group deposit accounts, ensuring accurate distribution

Financial Adjustments

PMS allow ad-hoc financial adjustments to Chart of Accounts within strict internal control environment in compliance to approved Islamic accounting & auditing standards, Shariah and regulatory framework.

Interactive Dashboard

PMS dashboard visualize financial data through intuitive graphs and charts. Comparison of different investment pools and view historical performances.

Customized and detailed reporting tool support informed decision-making and strategic planning.

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