ALAMI

Direktur Utama Dustinova leads the firm’s management, drawing on an audit career at EY and Mazars and a tenure at peer Islamic fintech Hijra. Dima Djani, as founder and commissioner, sets strategic direction. Day-to-day credit assessment flows through a team combining traditional underwriting with proprietary technology, though ALAMI does not publicly name individual credit-committee members.

ALAMI sources borrowers through a mix of direct origination, partnership channels with halal-industry ecosystem players, and digital onboarding. The firm focuses on SMEs that operate in Sharia-compliant sectors — particularly food processing, modest fashion, and agri-supply chains — where conventional factoring is under-penetrated due to religious-compliance friction.

ALAMI is neither. It is an OJK-licensed peer-to-peer lending platform that enables retail and institutional funders to finance Sharia-compliant SME invoices. While the firm deploys its own balance-sheet capital alongside marketplace funders, there is no publicly disclosed source of single-family wealth behind the entity.

External funders participate by selecting individual financing notes on the ALAMI marketplace, each linked to a specific underlying Sharia-compliant receivable or purchase order. The firm does not publicly offer commingled fund-of-fund commitments or LP vehicles — the capital structure is built around granular note-level participation rather than pooled discretionary funds.

Sharia governance is vested in ALAMI’s Sharia Supervisory Board, staffed by DSN-MUI-certified scholars Drs. Sirril Wafa and Abdul Mughni, whose mandates cover contract compliance and fatwa alignment. ALAMI does not publicly disclose a separate philanthropic foundation or zakat-collection vehicle alongside the lending business.