HIKMAH is a comprehensive Islamic Banking Solution developed by ERA based on Core Principals of Sharia. It offers the industry’s widest range of software solutions to Islamic banks addressing all their Business & Operational requirements.

HIKMAH provides Real Time Shariah Banking. Profit Distribution process is driven by a set of parameters that allow the users to group profit received from investment such as (Bai-Murabaha, HPSM etc.) with payable expense generated from liability business activity such as (Mudaraba accounts). Allow special profit distribution as per agreed ratio. Support both ISR & Weighted Average Method in Profit Calculation.

Features:

  • Integrated Modular Based System
  • Global Limit Management
  • Support Multi-Currency
  • Support Multi Layer Chart of Accounts
  • Central Process Management
  • Extensive Audit Trail
  • AML Screening Compatible
  • BASEL Framework Compatible
  • Omni Channel Account Opening
  • Facilitate Window / Virtual Window Banking
  • Extensive Multilevel Security
  • Support Multi Channels
  • Dynamic SMS Engine
  • User Friendly Interface
  • Comprehensive MIS
  • Responsive UI

Unique Features:

  • Income Sharing Ratio Based Profit Distribution
  • User Defined Field Add option
  • Dynamic Report Engine
  • Smart Report Search Tool
  • Dynamic Approval option
  • Comprehensive Audit Trail
  • Chat-Box Helpdesk
  • Seamless Integration through RESTful/SOAP API

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