Istisharat the Islamic Banking System CIRIS creators

CIRIS Takaful

General Takaful Integrated Computerized Insurance System

CIRIS Takaful is a core insurance system designed for the management of

Islamic general business insurance companies.


CIRIS Takaful is a fully developed system covering all general business company's operations including policy administration, underwriting with different lines of business, claims, reinsurance, statistics and accounting.


CIRIS Takaful system is designed in accordance with Sharis’s rules and law and is aligned to Islamic Accounting (AAOIFI) and International Accounting (IAS) standards

while meeting local specifications.


CIRIS Takaful is available on Oracle multitier web platforms in premises or "On Cloud".

Main Functions

CIRIS Takaful is a complete and comprehensive application for the administration of Islamic general business insurance companies.



CIRIS Takaful design principles:

  • Integrated modules and calculations
  • Central administration of Clients and Producers

           - Clients

           - Producers and Agents

  • Flexible product development

           - Products for all lines of business

  • Complete On-line history:

           - Policy

           - Installments

           - Payments

           - Reinsurance



CIRIS Takaful nucleus module:

  • Security
  • General Codes and Parameters
  • Policy, Client and Producer Administration
  • Accounting
  • General Ledger
  • Reporting
  • Document Management



CIRIS Takaful main modules:

  • Nucleus
  • Front Office
  • Product Definition
  • Product Management
  • Contributions
  • Commissions
  • Claims
  • Reinsurance
  • Units Accounting
  • Underwriting (Medical)
  • Underwriting (all Business Lines)
  • Surplus Calculation and Distribution
  • Front Office
  • Payables

General Features

  • Secure
  • Secured Access and Log-on
  • Password complexity check
  • Multilingual and Multi-Alphabet
  • Customer centric
  • Flexible, evolving and fully parameterized
  • Customizable with dynamic workflow engine
  • User friendly with automated capabilities
  • Comprehensive with clearly defined functionality
  • Interactive and Online real time
  • Aligned to international and local standards
  • Comprehensive information with 360° views
  • Rich set of reports with drill down to details
  • Open for BI tools for ad hoc reports
  • Straight through processing
  • Ease of integration through standard APIs
  • Reusable components web and micro services
  • Full audit trails logging all interactions and approvals
  • State-of-the-art open platform
  • Modern web multi-tiers technology
  • High availability and proven scalability architecture
  • Scalable, Centralized and Decentralized