Built on strong values and principles
Many companies offer financial solutions.
What sets INAIA apart from other providers?
A FinTech with a moral compass
We are Germany’s first Islamic FinTech company. As a pioneer in Islamic finance, we offer carefully crafted savings and investment products based on the economic and ethical principles of Islamic jurisprudence. Our innovative offerings in wealth building and investment are aimed at all those who wish to achieve their financial goals in line with socially sustainable values.
Our Values
Demand-oriented
We align with our customers’ demands and develop new solutions exactly where needed.
Customer-centric
We understand our customers’ needs and fulfill them day by day. We live the same mentality and spirit.
Ethical and sustainable
We consistently live ethical values, creating sustainable value for the community.
Innovative and dynamic
We are young, dynamic, and innovative. With new ideas, growing expertise, and ongoing developments, we are always up to date.
For all people
We do not differentiate based on religion, skin color, or origin. There is no exclusion in Islamic finance. Every person is welcome.
Transparency and trust
We stand for trust through transparency in all our activities and relationships, and our ethical principles are the basis of our business.
What is Islamic Finance
Islamic Finance is not an invention from the Orient or a parallel financial world that exists alongside the local one. Rather, it describes sustainable financial services based on principles and prohibitions from Islamic religious doctrine.
Read moreSustainability and Environmental Protection at INAIA
The topic of ESG (Environmental, Social, and Governance) in companies is gaining increasing importance. At INAIA, sustainability and environmental protection are central concerns. Discover the measures we are taking to ensure that your investments with us are not only profitable but also ethically justifiable.
Read moreOur Vision and Mission
INAIA enables all people to achieve their financial goals and desires in line with their ethical values. We work daily on the development of ethically certified and demand-oriented solutions, which we offer in a customer-centric ecosystem.
Board Members
Emre Akyel
Founder & CEO
Mr. Akyel is a member of the Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI) and a certified Certified Sharia Auditor and Advisor (CSAA). He completed his Executive MBA at the Henley Business School in the United Kingdom. Additionally, he holds a Dipl. PG in Digital Business from the EMERITUS Institute of Management and a Dipl. PG in Strategy & Innovation from the Warwick Business School. As an entrepreneur, he has extensive experience in the field of FinTech and Islamic Finance.
Mr. Akyel is currently pursuing a doctoral degree in the fields of FinTech, Consumer Behavior, and Islamic Finance at the Cranfield School of Management in the United Kingdom and is also completing an Executive Master in Finance at HEC Paris.
- Henley Business School (UK)
Executive Master of Business Administration, EMBA
- Warwick Business School (UK)
Postgraduate Diploma in Strategy & Innovation, Dipl. PG
- Emeritus Institute of Management, MIT Sloan, Columbia Business School (Singapur/USA)
Postgraduate Diploma in Digital Business, Dipl. PG
- AAOIFI (Bahrain)
Certified Shari'a Advisor and Auditor, CSAA
- ETHICA Institute for Islamic Finance (UAE)
Certified Islamic Finance Executive, CIFE
Yunus Morkramer
CTO
Mr. Morkramer graduated in 2009 with a degree in Media Informatics from the Technische Hochschule Mittelhessen with a degree as Dipl.-Ing. (FH). He has extensive experience in software development and IT consulting and was recently responsible for the implementation of the INAIA App for iOS and Android. Mr. Morkramer serves as the Technical Director at INAIA, overseeing the strategic development of IT projects.
- Technische Hochschule Mittelhessen
Medieninformatik Dipl.-Ing. (FH)
Sarah Mujahed
COO
Ms. Mujahed is the Director of Customer Service and is responsible for the operational business at INAIA. She graduated from Johann-Wolfgang von Goethe University Frankfurt in 2014 and has been an integral part of INAIA ever since. She also serves as the Deputy Chair of the Board of Directors of INAIA Ambassadors AG. Currently, Ms. Mujahed is pursuing her part-time Master’s degree at the International School of Management.
- International School of Management
M.A. Management · Marketing, CRM & Vertrieb - Johann-Wolfgang von Goethe-Universität Frankfurt
Bachelor of Economics and Business Administration, B.SC - ETHICA
Certified Islamic Finance Executive, CIFE
Aziz Fagrach
CLO
Mr. Fagrach studied Law at Johann Wolfgang von Goethe University Frankfurt am Main followed by a legal clerkship in the district of the Higher Regional Court of Frankfurt. He was admitted to the bar by the Frankfurt Bar Association in 2015. He initially gained several years of professional experience as a lawyer in international and national law firms. Since 2022, Mr. Fagrach has been leading the Legal Department at INAIA GmbH and sits on the board of INAIA Ambassadors AG. He is particularly dedicated to the field of Compliance and is currently pursuing the Certified Compliance Professional (CCP) certificate program at Frankfurt School of Finance & Management alongside his professional duties. He specializes in the following areas of law:
- Bank and Capital Markets Law
- Regulatory Law
- Contract Law
- Corporate Law
- Data Protection Law
Aeat Gharibe
Head of Finance
Ms. Gharibe oversees the Finance Department at INAIA. After completing her Bachelor’s degree in Business Administration with a focus on "Taxation and Accounting" at Hochschule Darmstadt in 2018, she successfully completed her Master’s degree with a focus on "Financial Leadership" at the same university in 2021. In addition, she successfully completed further training as a Financial Accountant at Steuerfachschule Dr. Endriss in Frankfurt in July 2023.
- Hochschule Darmstadt
M.Sc. Business Administration Schwerpunkt Financial Leadership - Hochschule Darmstadt
B.Sc. Business Administration Schwerpunkt Steuern und Rechnungslegung - Steuer-Fachschule Dr. Endriss Frankfurt
Finanzbuchhalterin
Mohsin Khan
CGO
Mohsin Khan is a seasoned professional with over a decade of experience across pharmaceuticals, FMCG, and fintech sectors, spanning both developed and developing markets. His career is marked by a robust foundation in business analysis and strategic planning, complemented by his MBA with a specialization in Strategy and Innovation from renowned UK universities. Khan’s expertise lies in his ability to blend insightful decision-making with innovative strategies, driving growth and efficiency in complex market environments. His analytical prowess and strategic acumen make him a valuable asset in any dynamic business landscape.
- Warwick Business School (UK)
Postgraduate Diploma in Strategy & Innovation - Oxford Brookes Business School (UK)
Master of Business Administration - Steinbeis Hochschule Business School (Germany)
Innovation and Value Creation Chain - Rajiv Gandhi University of Health Sciences (India)
Bachelor of Pharmacy
Customer satisfaction is our top priority
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