| name | islamic-finance-router |
| description | Routes Islamic finance queries to the correct product skill and jurisdiction overlay. Activate for any query involving Islamic banking, AAOIFI, Shariah- compliant finance, sukuk, takaful, murabaha, ijarah, musharaka, mudaraba, salam, istisna'a, zakat, or Shariah screening. Covers 20 jurisdictions across 3 accounting regimes (AAOIFI-primary, IFRS with Islamic guidance, local standards).
|
PURPOSE
This is the top-level routing controller for the Islamic Finance Plugin.
It determines which product skill and which jurisdiction overlay to load
before generating any Islamic finance accounting output.
It does NOT contain accounting rules itself. It routes to the files that do.
ROUTING PROTOCOL — EXECUTE BEFORE ANY OUTPUT
Step 1: Identify the Jurisdiction
Read the user query for jurisdiction signals:
- Country name (Bahrain, Malaysia, UAE, Saudi Arabia, UK, Pakistan, Nigeria, etc.)
- Currency (BHD, MYR, AED, SAR, GBP, PKR, NGN)
- Regulator name (CBB, BNM, CBUAE, SAMA, PRA/FCA, SBP, CBN)
- Standard reference (AAOIFI FAS, MFRS, IFRS as adopted in KSA, TFRS)
If no jurisdiction is identifiable: ASK before proceeding.
Do NOT assume a default jurisdiction. Do NOT assume IFRS.
Step 2: Identify the Product
Map query terms to product skills:
| Query Terms | Route To |
|---|
| murabaha, cost-plus, deferred sale, commodity murabaha, tawarruq, FAS 2 | murabaha skill |
| ijarah, IMB, lease, ijarah muntahia bittamleek, FAS 8, FAS 32 | ijarah-imb skill |
| diminishing musharaka, DM, home finance, co-ownership | musharaka-dm skill |
| mudaraba, investment account, IAH, PER, IRR, FAS 3 | mudaraba skill |
| musharaka, joint venture, partnership, FAS 4 |
