Our Approach

Think of a careful estate manager.

Many people each own a little wealth but lack the time or tools to invest it well. They hand it to a manager who pools it, puts it into good assets, guards it with independent custodians, and shares the harvest — keeping a small, agreed fee. That's the whole model. The rest is discipline.

Non-Interest, Properly

What "no interest" actually means here.

Plenty of products wear an Islamic label. These are the tests ours have to pass — every product, every time, checked by scholars who don't work for us:

Money earns by working, not waiting

A return has to come from something real: rent on a leased asset, profit from trade, dividends from a screened business, rental income from Sukuk. Money sitting in a loan contract collecting interest is exactly what we exist to avoid.

Losses are real, and shared

We won't guarantee you a fixed return, because honest investing can't. What we do promise: your risk sits beside ours, the fee is a slice of assets managed — so when portfolios shrink, our income shrinks with them.

Screens with teeth

Sectors that harm people — alcohol, gambling, exploitative lending — are out, full stop. So are companies whose books lean too hard on interest income. The screen is written down, and the Shariah board audits against it.

Cleansing, when needed

If a screened company still throws off a sliver of impermissible income, that sliver is stripped out and given to charity — calculated openly, reported to you.

How We're Paid

One fee, printed where you can see it.

Each fund and mandate carries a single management fee — a small annual percentage of the assets we manage for you, published in the fund's documents. Venture investments earn us a share of realised profits, taken only after our partners have made money. Advisory work is billed as agreed, in writing, before we start. There is no third category, and there are no quiet spreads in between.

You can always find the fee. It's in the product document, not in the fine print.
No performance theatre. We report returns after fees, against a stated benchmark.
No commissions in the shadows. Nobody here is paid to push you into the wrong product.

Who Checks Us

Four layers between your money and a mistake.

The regulator

Fawzaan Capital is being licensed by Nigeria's SEC as a fund and portfolio manager, with a venture-capital licence alongside.

The custodian

An independent, SEC-registered custodian holds client assets and titles. We instruct; they hold. Your money never passes through our own accounts.

The Shariah board

Independent scholars approve each product before launch, audit it afterwards, and can halt anything that drifts. Their rulings bind us.

The auditors

External auditors examine the accounts every year, and the reports go to clients in language a non-accountant can follow.