UMMA

Wahed Dow Jones Islamic World ETF

HALAL — DATA INCOMPLETEetf

Is UMMA Halal?

Global Sharia-compliant equity ETF.

What You Should Know

UMMA tracks the Dow Jones Islamic Market International Titans 100 Index. Its February 28, 2026 N-PORT reports $230.211 million of assets, $0.127 million of liabilities and $2.353 million of cash; global holdings, purification and look-through activity remain incomplete.

⚠️ Concerns

  • Currency risk from international holdings
  • Emerging market volatility
  • Fund-level proxy ratios do not replace issuer-level review

Current quantitative Sharia screen

Based on Form N-PORT-P figures for the period ended 2026-02-28; calculated 2026-07-15.

USD · millions
Interest-bearing debt / assets
0.00%Within limit
Below 33.333% under FTSE Yasaar

0 / 230.211

Cash + interest-bearing securities / assets
1.02%Within limit
Below 33.333% under FTSE Yasaar

2.353 / 230.211

Receivables + cash / assets
1.02%Within limit
Below 50% under FTSE Yasaar

2.353 / 230.211

FTSE Yasaar
v4.6, February 2026
Financial
Incomplete
Overall
Incomplete

The N-PORT supplies total assets and limited cash information but not complete fund-level revenue, debt, receivables or prohibited-income lines; underlying issuer review remains incomplete.

MSCI Islamic (total-assets series)
October 2024 methodology
Financial
Pass
Overall
Incomplete

Proxy debt/assets, liquidity/assets and receivables-plus-cash/assets are 0.00%, 1.02% and 1.02%; unreported lines and look-through activity prevent a complete classification.

Malaysia SAC financial ratios
single 5% activity benchmark adopted November 2025
Financial
Pass
Overall
Incomplete

Reported proxy debt/assets and liquidity/assets are below the examined Malaysia limits; complete fund-level activity and income data are unavailable.

Market-cap denominator methods
MSCI M-Series, S&P and Dow Jones methods differ
Financial
Not calculated
Overall
Incomplete

A licensed historical fund look-through market-cap series is not stored.

Business-activity disclosure

UMMA invests in global ex-U.S. companies selected for Sharia characteristics and seeks Dow Jones Islamic Market International Titans exposure. The retained qualitative HALAL verdict is preserved, while holdings, methodology changes and purification require continuing review.

Limitation: The N-PORT does not provide a universal underlying prohibited-revenue numerator or complete fund-level operating-income statement.

Purification

The N-PORT does not provide a universal underlying prohibited-income allocation; ZakatInvest does not invent a purification percentage.

Inputs, assumptions and primary sources
  • The February 28, 2026 N-PORT reports total assets of $230.211348 million, total liabilities of $0.127055 million and net assets of $230.084293 million.
  • The N-PORT reports $2.353260 million of cash not reported in the schedule of investments and no fund-level borrowings; complete operating revenue and receivable lines are not provided.
  • UMMA invests in non-U.S. companies selected for Sharia characteristics. TotalRevenue is zero because an ETF has no operating-company revenue denominator; this is not evidence of a financial pass for every underlying issuer.
  • Underlying holdings, purification and scholar interpretation remain separate from fund-level proxy ratios.

This is a reproducible financial screen, not a fatwa. A failed total-assets screen can coexist with a pass under a market-cap methodology. ZakatInvest keeps the qualitative assessment separate so numerical thresholds do not erase material context.

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