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Core Values


Core values:
1.    Integrity and commitment to Islamic Shari’a Laws:
Ethmar has been established on the principles of Islamic Shari’a and its procedures and policies have been developed be Shari'a-compliant. This is crystallized in the Shari’a Committee which is composed of theologians with distinguished experience. Ethmar has also been granted a legal advisory opinion (Fatwa) from the Jordanian Dar Al-Ifataa to implement the provisions of Sharia in an integrity way in all its transactions.

2.    Honesty and trust:
Ethmar is based, since it was established, on the commitment to honesty in order to apply our Prophet's Sunna when he said: "Hold on to truth, for being truthful leads to righteousness, and righteousness leads to Paradise. Verily, a man will keep saying the truth and striving for truth, until he is written before Allah as very truthful (Siddiq)." Prophet Muhammad has urged his nation on commitment to honesty as it is an essential feature of the character of a faithful man; who must be honest with himself, with God, and with other people.
Ethmar is keen to instill this principle of honesty and the highest standards of transparency in all its internal and external transactions, since Ethmar believes that absolute honesty is the only way to build up trust between Ethmar and its clients.

3.    Charity and Social Responsibility:
The term "Social Responsibility" has emerged within various societies demanding all companies to assume more responsible practices, since the aim of making profits often overwhelmed the vision of public administration, which in turn has harmed different resources such as human and environmental resources. Ethmar was established on the principles of Shari’a-compliance, which urge and oblige each individual to assume responsibility, in accordance with our prophet when he said: "All of you are guardians and are responsible for your wards. The ruler is a guardian and responsible for his subjects; the man is a guardian and responsible for his family; the woman is a guardian and is responsible for her husband’s house and his offspring; and so all of you are guardians and are responsible for your wards." Therefore, Ethmar believes in its responsibility towards society and individuals to create a lasting social impact with intention of charity, which has been connected with the love of Allah in our Holy Quran: "Do good. Truly, Allah loves Al-Muhsinun (the good-doers)" (2 : 195).


4.    Initiative and Innovation:
Proceeding from Ethmar's mission to include individuals who are financially excluded into its services sphere, Ethmar adopted a systematic innovation to meet the needs of its customers and acquire their satisfaction.  Ethmar believes in the importance of leadership and initiative in the development of innovative financial solutions and services in order to apply our Prophet's Sunnah when he said: "He who introduced some good practice in Islam which was followed after him (by people) he would be assured of reward like each one who followed it, without their rewards being diminished in any respect.", and since Ethmar is the first Islamic Microfinance company in Jordan, it aspires to become a successful role-model in applying Islamic Shari’a Laws to the world of financing and administration.