{
  "_meta": {
    "dataset": "halal-contract-structures-us",
    "name": "Halal Contract Structures — Provider Coverage (U.S.)",
    "description": "Every Islamic finance contract structure offered in the U.S. (Ijara, Musharakah / diminishing partnership, Murabaha, Qard Hasan, Takaful) joined to the providers and products that actually use it — with product counts, categories, state reach, and how many of those products carry a published HalalWallet verdict.",
    "url": "https://www.halalwallet.us/data/halal-contract-structures-us",
    "downloadUrl": "https://www.halalwallet.us/api/data/halal-contract-structures-us.json",
    "publisher": {
      "@type": "Organization",
      "name": "HalalWallet",
      "url": "https://www.halalwallet.us",
      "logo": "https://www.halalwallet.us/mainlogo_1.png"
    },
    "license": "CC BY 4.0",
    "licenseUrl": "https://creativecommons.org/licenses/by/4.0/",
    "datePublished": "2026-06-30",
    "dateModified": "2026-06-30",
    "temporalCoverage": "2026/..",
    "spatialCoverage": "United States",
    "citation": "HalalWallet. \"Halal Contract Structures — Provider Coverage (U.S.).\" 2026-06-30. https://www.halalwallet.us/data/halal-contract-structures-us",
    "changelog": [
      {
        "date": "2026-06-30",
        "note": "Initial public release: canonical Shariah contract structures joined to live U.S. provider/product coverage and glossary definitions."
      }
    ],
    "generatedAt": "2026-07-01T02:22:09.819Z",
    "summary": {
      "totalStructures": 5,
      "totalProviders": 10,
      "totalProducts": 44,
      "asOf": "2026-07-01",
      "structures": [
        {
          "name": "Musharakah",
          "slug": "musharakah",
          "providerCount": 5,
          "productCount": 19,
          "categories": [
            "Bank Accounts",
            "Business Financing",
            "Home & Personal Financing",
            "Retirement"
          ],
          "glossaryUrl": "https://www.halalwallet.us/glossary/musharakah"
        },
        {
          "name": "Ijara",
          "slug": "ijara",
          "providerCount": 2,
          "productCount": 10,
          "categories": [
            "Business Financing",
            "Home & Personal Financing"
          ],
          "glossaryUrl": "https://www.halalwallet.us/glossary/ijara"
        },
        {
          "name": "Qard Hasan",
          "slug": "qard-hasan",
          "providerCount": 3,
          "productCount": 8,
          "categories": [
            "Bank Accounts",
            "Business Financing",
            "Home & Personal Financing"
          ],
          "glossaryUrl": "https://www.halalwallet.us/glossary/qard-hasan"
        },
        {
          "name": "Murabaha",
          "slug": "murabaha",
          "providerCount": 1,
          "productCount": 5,
          "categories": [
            "Business Financing",
            "Home & Personal Financing"
          ],
          "glossaryUrl": "https://www.halalwallet.us/glossary/murabaha"
        },
        {
          "name": "Takaful",
          "slug": "takaful",
          "providerCount": 1,
          "productCount": 2,
          "categories": [
            "Insurance"
          ],
          "glossaryUrl": "https://www.halalwallet.us/glossary/takaful"
        }
      ],
      "note": "Each structure is a Shariah contract (not a marketing label). Coverage is computed live from HalalWallet's U.S. product registry and joined to the contract's glossary definition. Product approaches that are not contracts (index screening, robo-advisory) are intentionally excluded."
    }
  },
  "records": [
    {
      "slug": "musharakah",
      "name": "Musharakah",
      "arabic": "مشاركة",
      "shortDefinition": "A joint partnership where all parties contribute capital and share profits and losses proportionally.",
      "glossaryUrl": "https://www.halalwallet.us/glossary/musharakah",
      "providerCount": 5,
      "providers": [
        "Ameen Housing Cooperative",
        "Guidance Residential",
        "Ijara Community Development",
        "LARIBA American Finance House",
        "UIF"
      ],
      "productCount": 19,
      "categories": [
        "Bank Accounts",
        "Business Financing",
        "Home & Personal Financing",
        "Retirement"
      ],
      "nationwide": true,
      "stateCount": 51,
      "verdictLinkedProducts": 0,
      "exampleProducts": [
        {
          "provider": "LARIBA American Finance House",
          "product": "Certificate of Deposit",
          "category": "Bank Accounts",
          "url": "https://www.halalwallet.us/providers/lariba-american-finance-house"
        },
        {
          "provider": "LARIBA American Finance House",
          "product": "Deposit Account",
          "category": "Bank Accounts",
          "url": "https://www.halalwallet.us/providers/lariba-american-finance-house"
        },
        {
          "provider": "LARIBA American Finance House",
          "product": "Savings Account",
          "category": "Bank Accounts",
          "url": "https://www.halalwallet.us/providers/lariba-american-finance-house"
        },
        {
          "provider": "UIF",
          "product": "Deposit Account",
          "category": "Bank Accounts",
          "url": null
        },
        {
          "provider": "UIF",
          "product": "Savings Account",
          "category": "Bank Accounts",
          "url": null
        },
        {
          "provider": "Ijara Community Development",
          "product": "Commercial Real Estate Financing",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/ijara-community-development"
        }
      ]
    },
    {
      "slug": "ijara",
      "name": "Ijara",
      "arabic": "إجارة",
      "shortDefinition": "A lease or rental agreement — one of the three main halal home financing structures used in the U.S.",
      "glossaryUrl": "https://www.halalwallet.us/glossary/ijara",
      "providerCount": 2,
      "providers": [
        "Devon Bank",
        "Ijara Community Development"
      ],
      "productCount": 10,
      "categories": [
        "Business Financing",
        "Home & Personal Financing"
      ],
      "nationwide": true,
      "stateCount": 51,
      "verdictLinkedProducts": 0,
      "exampleProducts": [
        {
          "provider": "Devon Bank",
          "product": "Commercial Real Estate Financing",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/devon-bank"
        },
        {
          "provider": "Devon Bank",
          "product": "Construction Financing",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/devon-bank"
        },
        {
          "provider": "Devon Bank",
          "product": "Equipment Financing",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/devon-bank"
        },
        {
          "provider": "Devon Bank",
          "product": "Secured Line of Credit",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/devon-bank"
        },
        {
          "provider": "Ijara Community Development",
          "product": "Commercial Real Estate Financing",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/ijara-community-development"
        },
        {
          "provider": "Ijara Community Development",
          "product": "Multifamily Financing",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/ijara-community-development"
        }
      ]
    },
    {
      "slug": "qard-hasan",
      "name": "Qard Hasan",
      "arabic": "قرض حسن",
      "shortDefinition": "A benevolent, interest-free loan where only the principal is repaid — the only fully permissible loan in Islam.",
      "glossaryUrl": "https://www.halalwallet.us/glossary/qard-hasan",
      "providerCount": 3,
      "providers": [
        "A Continuous Charity",
        "Jafari Credit Union",
        "Qard Hasan Foundation"
      ],
      "productCount": 8,
      "categories": [
        "Bank Accounts",
        "Business Financing",
        "Home & Personal Financing"
      ],
      "nationwide": false,
      "stateCount": 34,
      "verdictLinkedProducts": 0,
      "exampleProducts": [
        {
          "provider": "Jafari Credit Union",
          "product": "Savings Account",
          "category": "Bank Accounts",
          "url": "https://www.halalwallet.us/providers/jafari-credit-union"
        },
        {
          "provider": "Jafari Credit Union",
          "product": "Equipment Financing",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/jafari-credit-union"
        },
        {
          "provider": "A Continuous Charity",
          "product": "Education Financing",
          "category": "Home & Personal Financing",
          "url": "https://www.halalwallet.us/providers/a-continuous-charity"
        },
        {
          "provider": "Jafari Credit Union",
          "product": "Auto Financing",
          "category": "Home & Personal Financing",
          "url": "https://www.halalwallet.us/providers/jafari-credit-union"
        },
        {
          "provider": "Jafari Credit Union",
          "product": "Expense Financing",
          "category": "Home & Personal Financing",
          "url": "https://www.halalwallet.us/providers/jafari-credit-union"
        },
        {
          "provider": "Jafari Credit Union",
          "product": "Loan Refinancing",
          "category": "Home & Personal Financing",
          "url": "https://www.halalwallet.us/providers/jafari-credit-union"
        }
      ]
    },
    {
      "slug": "murabaha",
      "name": "Murabaha",
      "arabic": "مرابحة",
      "shortDefinition": "A cost-plus sale where the seller discloses the original cost and adds a transparent, agreed-upon markup.",
      "glossaryUrl": "https://www.halalwallet.us/glossary/murabaha",
      "providerCount": 1,
      "providers": [
        "Devon Bank"
      ],
      "productCount": 5,
      "categories": [
        "Business Financing",
        "Home & Personal Financing"
      ],
      "nationwide": false,
      "stateCount": 34,
      "verdictLinkedProducts": 0,
      "exampleProducts": [
        {
          "provider": "Devon Bank",
          "product": "Commercial Real Estate Financing",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/devon-bank"
        },
        {
          "provider": "Devon Bank",
          "product": "Construction Financing",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/devon-bank"
        },
        {
          "provider": "Devon Bank",
          "product": "Equipment Financing",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/devon-bank"
        },
        {
          "provider": "Devon Bank",
          "product": "Secured Line of Credit",
          "category": "Business Financing",
          "url": "https://www.halalwallet.us/providers/devon-bank"
        },
        {
          "provider": "Devon Bank",
          "product": "Home Financing",
          "category": "Home & Personal Financing",
          "url": "https://www.halalwallet.us/providers/devon-bank"
        }
      ]
    },
    {
      "slug": "takaful",
      "name": "Takaful",
      "arabic": "تكافل",
      "shortDefinition": "Islamic cooperative insurance based on mutual assistance and shared risk among participants.",
      "glossaryUrl": "https://www.halalwallet.us/glossary/takaful",
      "providerCount": 1,
      "providers": [
        "Takaful America"
      ],
      "productCount": 2,
      "categories": [
        "Insurance"
      ],
      "nationwide": false,
      "stateCount": 0,
      "verdictLinkedProducts": 0,
      "exampleProducts": [
        {
          "provider": "Takaful America",
          "product": "Business Takaful",
          "category": "Insurance",
          "url": "https://www.halalwallet.us/providers/takaful-america"
        },
        {
          "provider": "Takaful America",
          "product": "Home Takaful",
          "category": "Insurance",
          "url": "https://www.halalwallet.us/providers/takaful-america"
        }
      ]
    }
  ],
  "totalRecords": 5
}