sharia-screening
npx skills add https://github.com/tawf-labs/agent_skills --skill sharia-screening
Agent 安装分布
Skill 文档
Sharia Screening
Screen stocks, ETFs, and companies for Sharia compliance based on AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions) Standard No. 21.
When to Use
- User asks if a stock or company is halal / Sharia-compliant
- User wants to screen their portfolio for compliance
- User asks about AAOIFI screening criteria
- User wants to calculate the purification amount for a holding
How It Works
Step 1: Identify the Company
Get the ticker symbol or company name from the user. If screening multiple stocks, collect all tickers.
Step 2: Qualitative Screening (Business Activity)
The company’s core business must NOT be in any prohibited sector:
| # | Prohibited Sector | Examples |
|---|---|---|
| 1 | Alcohol | Breweries, distributors, bars |
| 2 | Gambling | Casinos, betting platforms, lotteries |
| 3 | Conventional Banking/Insurance | Interest-based banks, conventional insurers |
| 4 | Weapons & Defense | Arms manufacturing (controversial weapons) |
| 5 | Tobacco | Cigarette manufacturers |
| 6 | Adult Entertainment | Pornography, adult content |
| 7 | Pork & Non-Halal Food | Pork production, non-halal food processing |
| 8 | Interest-Based Finance | Payday lending, credit card issuers |
If the company’s core business is in a prohibited sector â Automatically Non-Compliant.
Step 3: Quantitative Screening (Financial Ratios)
Apply three AAOIFI financial ratio tests:
| Ratio | Formula | Threshold |
|---|---|---|
| Debt Ratio | Interest-bearing debt ÷ Market cap | < 30% |
| Cash Ratio | (Cash + interest-bearing securities) ÷ Market cap | < 30% |
| Impure Income Ratio | Non-permissible income ÷ Total revenue | < 5% |
All three must pass for compliance.
Run the screening:
python scripts/screen_stock.py --ticker AAPL
python scripts/screen_stock.py --ticker AAPL MSFT TSLA --json
Step 4: Purification Calculation
For compliant stocks with some impure income (< 5%), calculate the purification amount â the portion of dividends/gains that must be donated to charity:
Purification % = Non-permissible income / Total revenue
Purification Amount = Dividends received à Purification %
Step 5: Present Results
For each stock, present:
- Company Name & Ticker
- Qualitative Result â Sector analysis (Pass/Fail)
- Quantitative Ratios â Each ratio with actual value and threshold
- Overall Verdict â Compliant / Non-Compliant / Needs Review
- Purification Ratio â If applicable
- Notes â Any caveats or areas requiring scholarly opinion
Screening Methodologies
This skill uses AAOIFI by default. The user may also request:
- DJIM (Dow Jones Islamic Market) â Similar but uses total assets as denominator
- S&P Sharia â Slightly different thresholds
- MSCI Islamic â Uses total assets, 33.33% thresholds
Refer to references/screening_criteria.md for comparison across methodologies.
Important Notes
- Financial data may be delayed or from the most recent quarterly/annual filing
- Screening results are point-in-time â companies can move in/out of compliance
- When data is unavailable, flag the stock as “Needs Review” rather than guessing
- Always recommend the user consult a Sharia advisory board for significant investment decisions
- Some sectors are partially permissible (e.g., airlines, hotels) â flag these for review
Output Format
Default output is a formatted table/report. Use --json for JSON output. When screening multiple tickers, output a summary table with per-stock verdicts.