Sohih is committed to providing financial solutions that are ethical, transparent, and consistent with the principles of Islamic finance. All Sohih products and services are structured to operate on a non-interest (non-riba) basis and are designed to promote fairness, responsibility, and mutual benefit.
Sohih’s operations are guided by the following principles:
Sohih does not charge, earn, apply, or benefit from interest in any form.
No interest accrues over time, no compounding applies, and no penalty interest is imposed.
All financial arrangements clearly disclose:
● Total amount payable
● Payment schedule
● Any agreed profit, fee, or service charge
There are no hidden terms, ambiguous obligations, or undisclosed charges.
Sohih finances only lawful (halal) activities and does not knowingly support transactions involving prohibited goods, services, or activities.
All agreements are entered into voluntarily, with full disclosure and informed consent.
Customers are given adequate opportunity to review and accept terms before proceeding.
Sohih encourages responsible use of its services and seeks to avoid practices that impose undue hardship, exploitation, or injustice.
Sohih products may be structured using permissible Islamic finance models, including but not limited to:
● Trade-based arrangements
● Service-based arrangements
● Deferred payment structures
● Ethical co-financing or partnership models
Each product is governed by a specific agreement that reflects its underlying structure.
Sohih is committed to continuous internal review of its products and processes to ensure ongoing alignment with Islamic finance principles and applicable Nigerian laws.
While Sohih strives to ensure Shari’a compliance in its offerings, customers are encouraged to seek independent advice where necessary to satisfy their personal convictions.