Qiblah Consulting Ltd

Qiblah Consulting Ltd With a commitment to excellence and integrity, we specialize in

Founded in 2022, Qiblah Consulting UK Limited is a dynamic consulting firm dedicated to providing comprehensive and tailored solutions to meet the diverse needs of businesses and individuals.

ISLAMIC FINANCE INSIGHTS #021SMEs need simplicity, not complexity.Many Islamic finance products are wrapped in structur...
22/01/2026

ISLAMIC FINANCE INSIGHTS #021

SMEs need simplicity, not complexity.

Many Islamic finance products are wrapped in structures and documents that even professionals struggle to explain. For an SME owner fighting for cash flow and customers, that kind of complexity is not a benefit, it is a barrier.

What they need are clear, simple arrangements they can understand: straightforward partnerships, fair sharing of profit and risk, and repayment terms that follow business reality. When structures become too complex, they usually serve institutions first and clients last.

©️ Abu A’ishah Qasim Kelani

ISLAMIC FINANCE INSIGHTS #018A concern with Islamic finance researchA substantial share of contemporary Islamic finance...
19/01/2026

ISLAMIC FINANCE INSIGHTS #018

A concern with Islamic finance research

A substantial share of contemporary Islamic finance scholarship remains preoccupied with a narrow benchmark: whether Islamic structures match or outperform their conventional counterparts on returns, efficiency, or stability.

Far less attention is devoted to the distributional consequences of these structures: who actually gains, who ultimately bears the risk, and who is systematically excluded from access. Questions of indebtedness, asset ownership, vulnerability, and real-sector impact are often treated as secondary, if at all.

The research agenda now needs to shift decisively from form to consequence, and from legal architecture to measurable outcomes in the real economy.

©️ Abu A’ishah Qasim Kelani

ISLAMIC FINANCE INSIGHTS #014Smart contracts require Shariah scrutiny at design stageSmart contracts promise transparen...
14/01/2026

ISLAMIC FINANCE INSIGHTS #014

Smart contracts require Shariah scrutiny at design stage

Smart contracts promise transparency and automation.

They also lock in assumptions.
If Shariah review happens after deployment, it is too late.

Islamic finance must engage with developers early, not as an afterthought.

Code is not neutral.

©️ Abu A’ishah Qasim Kelani

ISLAMIC FINANCE INSIGHTS #012Centralized Shar’iah Governance (CSG) is not a cure-allA Centralized Shari’ah framework ca...
12/01/2026

ISLAMIC FINANCE INSIGHTS #012

Centralized Shar’iah Governance (CSG) is not a cure-all

A Centralized Shari’ah framework can bring consistency, reduce confusion, and strengthen public trust. But it can also limit flexibility and slow innovation.

Decentralised models give room for new ideas and product development, yet they can create fragmentation and uneven standards.

The real problem is not centralised versus decentralised.
The real issue is who is answerable when things go wrong.

Without genuine accountability, transparency, and fear of Allah in decision-making, any Shari’ah governance model can be misused.

©️ Abu A’ishah Qasim Kelani

ISLAMIC FINANCE INSIGHTS #010Why profit-and-loss sharing remains marginalProfit-and-loss sharing is central to Islamic ...
10/01/2026

ISLAMIC FINANCE INSIGHTS #010

Why profit-and-loss sharing remains marginal

Profit-and-loss sharing is central to Islamic finance theory and peripheral in practice.

Banks fear information asymmetry. Clients prefer certainty. Regulators favour predictability.

These concerns are real, but avoiding partnership altogether undermines the purpose of Islamic finance.

The solution is not idealism. It is better governance, better disclosure, and regulatory frameworks that recognise shared risk properly.

©️ Abu A’ishah Qasim Kelani

ISLAMIC FINANCE INSIGHTS #009Liquidity is Islamic banking’s unresolved problemIslamic banks are often criticised for co...
10/01/2026

ISLAMIC FINANCE INSIGHTS #009

Liquidity is Islamic banking’s unresolved problem

Islamic banks are often criticised for conservatism. In reality, many are constrained by weak liquidity infrastructure.

Limited Shariah-compliant instruments force difficult trade-offs. Excess cash, inefficient balance sheets, or controversial structures become the norm.

Liquidity management is not a side issue. It shapes everything else.

Until this is addressed, Islamic banks will remain structurally disadvantaged.

©️ Abu A’ishah Qasim Kelani

On benchmarking Islamic finance to interest ratesBenchmarking pricing to interest rates is often defended as unavoidable...
08/01/2026

On benchmarking Islamic finance to interest rates

Benchmarking pricing to interest rates is often defended as unavoidable. I understand that argument.

What concerns me is dependence, not reference.

When Islamic finance cannot price, evaluate, or think without interest-based benchmarks, it reveals a deeper structural problem.

The challenge is not to abolish benchmarks overnight. It is to gradually build pricing logic rooted in real asset performance and partnership outcomes.

That work has barely begun.

©️ Abu A’ishah Qasim Kelani

Shari’ah Compliance is not the same as credibilityA transaction can be compliant and still feel wrong.Stakeholders are i...
07/01/2026

Shari’ah Compliance is not the same as credibility

A transaction can be compliant and still feel wrong.

Stakeholders are increasingly sensitive to this difference. They are not only asking whether something is permissible, but whether it feels honest.

Shariah boards carry an ethical burden that goes beyond certification. Their role is to protect trust, not to rationalize structures.

Without credibility, compliance becomes fragile.

Compliance is necessary. Integrity is decisive.

©️ Abu A’ishah Qasim Kelani

ISLAMIC FINANCE INSIGHTS 006Why Islamic finance has not delivered financial inclusionIslamic finance speaks frequently a...
06/01/2026

ISLAMIC FINANCE INSIGHTS 006

Why Islamic finance has not delivered financial inclusion

Islamic finance speaks frequently about inclusion, yet most products target the same clients conventional banks already serve.

Asset-heavy requirements, complex documentation, and low tolerance for uncertainty exclude small businesses and low-income households.

True inclusion is slower, messier, and less profitable in the short term.

Islamic cooperatives and community finance models understand this better than most large institutions.

There are lessons here the industry continues to ignore.

©️Abu A’ishah Qasim Kelani

ISLAMIC FINANCE INSIGHTS 005 Maqasid al-Shariah is not an afterthoughtMaqasid al-Shariah is often mentioned at the end o...
05/01/2026

ISLAMIC FINANCE INSIGHTS 005

Maqasid al-Shariah is not an afterthought

Maqasid al-Shariah is often mentioned at the end of presentations, after all commercial decisions have already been made.

That defeats the purpose.

Maqasid should guide structure, not decorate it. Protecting wealth does not mean protecting institutions at all costs. It means protecting fairness, transparency, and long-term stability.

If Maqasid only appears in conference slides, it has already failed.

Structure matters, purpose matters more.

©️Abu A’ishah Qasim Kelani

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