Built on faith
Every product, every decision — anchored in Shariah principles and overseen by an independent board.
South Africa's Premier Shariah Platform Smart investing
Smart investing
Ethical family protection
Premium rewards
Professional advisory
Honour Islamic values
IZDARA combines halal wealth-building, Shariah-compliant personal and family protection, professional advisory services, and a premium rewards ecosystem. One seamless platform built for the modern South African Muslim family.
Fully regulated. Shariah-certified. Built with your family's future in mind.
Prosperity With Purpose
Our Promise
Three commitments that define Izdara.
Built on regulation
Fully FSCA-regulated. Transparent governance. Designed to meet the highest financial standards.
Built for you
A platform shaped for the modern South African Muslim family — your values, your goals, your future.
بِسْمِ اللّٰهِ الرَّحْمٰنِ الرَّحِيْمِ
Four Pillars. One Seamless Platform.
Secure your family's future with the IZDARA range of Shariah-compliant products and services. Smart decisions now mean total peace of mind later — all underpinned by a modern-day rewards and lifestyle benefit platform.
Family Takaful
Protect
Shariah-compliant cover for the people you love. Life, income, severe illness, and funeral cover — structured as mutual giving, not exchange.
Discover Shariah InvestingWealth & Investments
Grow your wealth without compromising your faith. Halal equities, Sukuk, balanced portfolios — screened, monitored, and purified for you.
Discover Personal GuidanceAdvisory
Speak with a Shariah-trained advisor about Wasiyyah, retirement, education funding, Zakat, business succession, and Hajj planning.
Discover Lifestyle EcosystemRewards
A halal rewards programme no one else offers. Cash back on contributions, partner network benefits, and tiered loyalty as your relationship deepens.
DiscoverProtection, the way your faith intends.
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Conventional Insurance
What's avoided
Riba (Interest) Premiums and reserves earn and pay interest.
Maysir (Gambling) A premium is staked against an uncertain payout.
Gharar (Uncertainty) The contract's outcome is fundamentally ambiguous.
The Izdara Takaful Way
How we're different
Tabarru' (Mutual giving) You donate into a shared pool to help fellow members.
Shariah-screened funds Contributions are invested free of riba and haram sectors.
Surplus shared back Any pool surplus can be returned to participants, not pocketed.
How Takaful works
Members contribute to a common fund as an act of mutual assistance. When a member suffers a loss, the fund pays out — everyone protects everyone.
- Members make Takaful contributions (tabarru') into a shared fund.
- Izdara acts as operator, managing the fund under Shariah governance.
- Contributions are invested only in Shariah-screened assets.
- Claims are paid from the pool; any surplus may be distributed back.
What would your family truly need?
This is the question conventional products never ask the right way. Izdara is built for you as a Muslim client — so your protection finally aligns with your faith, your values, and your duty to those you love. Move the sliders to see your family's protection gap.
This is a simple estimate to help you start the conversation — not financial advice. Your actual needs depend on your full circumstances. An Izdara advisor will help you plan precisely, in line with Shariah.
Personal Guidance
Speak With a Dedicated IZDARA Advisor
Our advisory team understands your values, your family, and your financial goals. Whether you're starting your wealth journey or protecting what you've built — we're here to guide you every step of the way.
No obligation. Shariah-compliant guidance. Available across South Africa.
Book a Free ConsultationA halal rewards programme no one else offers.
Every other Shariah provider stops at protection. Izdara rewards you for living ethically — turning your premiums, referrals and everyday choices into real lifestyle value.
Member
Every policyholder
- Cash back on contributions
- Referral rewards
- Curated retail partner deals
Premier
Multi-product members
- Everything in Member
- Travel & accommodation benefits
- Enhanced cash-back tier
Legacy
Full-platform families
- Everything in Premier
- Family Home Office access
- Concierge & priority advisory
Reward partners — to be confirmed
Partner logo
Partner logo
Partner logo
Partner logo
Partner logo
Shariah-Certified
Every product reviewed and signed off by an Independent Shariah Supervisory Board — never a marketing claim.
FSCA Regulated
Fully licensed under the Financial Sector Conduct Authority. Same standards as the largest South African insurers.
Simple Onboarding
No friction. No jargon. Speak to a person, sign once, your family is protected. Truly modern.
Independent oversight. Religiously bound.
Every product carries the signature of scholars whose authority extends beyond Izdara — independent, qualified, and continuously involved.
د. زياد محمد
Dr Ziyaad Mahomed
Chairman — I Consult Africa
INCEIF University
Prof Ziyaad is Associate Professor, Lead Researcher (Shariah) for the Centre of Excellence in Social Finance, and Head of Online Programs at INCEIF University.
د. سعيد أدكنلي ميكايل
Dr Sa'id Adekunle Mikail
Shariah Adviser — I Consult Africa
ISRA Research Management Centre, INCEIF University
Dr Mikail is currently Associate Professor cum Senior Researcher at ISRA Research Management Centre of INCEIF University.
(مفتي) د. يوسف سلطان
(Mufti) Dr Yousuf Sultan
Shariah Adviser — I Consult Africa
I Consult Africa
(Mufti) Dr Yousuf Sultan is a seasoned professional in Islamic finance with a strong background in shariah and technology.
الشيخ زيّات إسحاق
Shaykh Ziyaat Isaacs
Managing Director — I Consult Africa
I Consult Africa
Shaykh Ziyaat Isaacs hails from Cape Town, South Africa and has diverse experience abroad. He holds a Bachelor's Degree in Islamic Finance.
Shariah Compliance Certificate
Download Certificate
The signed compliance certificate is available for download.
The IZDARA App
Your faith, your finances, in your pocket.
Track your Takaful contributions, manage your investments, view your reward credits, and book consultations — all from a single Shariah-compliant interface, coming soon to iOS and Android.
Manage policies
View, update and renew all your Izdara cover.
Track investments
Live performance on your halal wealth portfolio.
Redeem rewards
Cash back, partner perks and lifestyle benefits.
Talk to your advisor
Direct messaging with your dedicated Izdara advisor.
Coming to
Available on App Store
Available on Google Play
Let's build your Shariah-compliant plan
What are you most interested in?
JOIN IZDARA
Your ethical, Shariah-compliant journey towards wealth creation, family protection, and a modern-day halal lifestyle and rewards programme starts now.
Join Izdara Now Speak to an advisor first? Book a free consultation →