Digaf Micro Credit Provider S.C. is seeking qualified individuals or firms to serve as Sharia Advisory Consultants for the establishment and digitalization of its Islamic Finance Business Division.

EXPRESSION OF INTEREST (EOI)
SHARIA ADVISORY CONSULTANT/ ADVISER

Establishment and Digitalization of Digaf's Islamic Finance Business Division

• Duration: Six months, renewable
• Duty station: Addis Ababa / hybrid
• Engagement: Consultancy or fixed-term
• Start: As soon as practicable
• Institution: Digaf Micro Credit Provider S.C.
• Reports to: CEO / Steering Committee

ABOUT THE ASSIGNMENT

Digaf MFI invites qualified individuals or firms to provide independent, practical Sharia guidance for establishing a dedicated Islamic Finance Business Division. The Adviser will help Digaf develop commercially viable, Sharia-compliant products and translate them into secure end-to-end digital journeys, in line with Ethiopian law, National Bank of Ethiopia requirements and applicable recognized Islamic- finance standards.

KEY SCOPE

• Assess institutional readiness and define the Division's operating model, structure, staffing, governance, KPIs and phased roadmap.
• Develop the Sharia governance framework, policies, approval processes, Sharia Supervisory Board arrangements, registers, breach management and reporting.
• Prioritize and structure Islamic products for salary finance, Minda, Moya/SME, asset/green finance and savings/investment; prepare contracts, disclosures, fund flows, accounting events and controls.
• Convert approved structures into mobile, web, core-banking and assisted-channel requirements; review system configuration, integrations, audit trails, UAT and launch readiness.
• Establish Sharia risk, monitoring and assurance arrangements; train Digafs Board, management and operational teams and transfer reusable tools and knowledge.

EXPECTED DELIVERABLES

Inception plan; readiness and gap assessment; Division establishment package; Sharia governance package; prioritized product portfolio and documentation; Islamic fintech requirements; pilot/UAT assurance; training materials; and a final establishment report with a 12-month roadmap.

MINIMUM QUALIFICATIONS

• Postgraduate or recognized scholarly qualification in Sharia, Fiqh al-Muamalat, Islamic finance/economics, law or a closely related discipline.
• At least seven years of relevant Islamic banking, microfinance, fintech, product-structuring, Sharia governance, review/audit or advisory experience.
• Proven delivery of Sharia-compliant retail/MSME products and practical translation into digital or core-banking workflows.
• Strong knowledge of applicable AAOIFI/IFSB guidance; excellent English. Ethiopian market experience and Amharic are advantages.

SUBMISSION REQUIREMENTS

Submit: (i) technical proposal and workplan; (ii) CV/company profile and credentials; (iii) evidence of comparable assignments, including at least three relevant products, digital implementations or governance engagements; (iv) 2-3 professional references; (v) separate financial proposal showing fees, taxes and reimbursables; and (vi) signed conflict-of-interest and confidentiality declarations.

Submit to: [ [email protected] ] | Deadline: [15/09/2026]

Selection will consider Sharia expertise, comparable product and digital implementation experience, methodology, knowledge transfer and value for money. Digaf may verify credentials, negotiate scope and terms, or cancel the process without award. DIGAF MFI Islamic Finance Business Division / Page 1

Tender details

• Deadline: 2026-09-15
• Bid closing time: 17:00
• Bid opening: 2026-09-15 17:00
• Bid opening (note): No Specific Opening Date and Time
• Region: Addis Ababa
• Publishing entity: Digaf Microcredit Provider S.Co
• Published on: Reporter (Sep 09, 2026)
• Posted at: 2026-09-10T09:05:35.000Z
• Source: 2merkato