An innovative fintech, grounded in ethics.
A SECP-licensed Non-Bank Finance Company building Shariah-aligned financial technology for Pakistan — combining modern infrastructure with ethical, asset-backed structures.
Ethical fintech that lifts the whole ecosystem.
We believe innovation in finance should serve everyone in the loop — not just the customer in front of you. The merchant. The tajir. The partner. The community. Every product we build is designed for the whole ecosystem.
Ecosystem over individuals
A truly ethical financial system lifts everyone in it. We build products that create value for merchants, tajirs, and the communities they trade with — not just one side of the deal.
Ethical by design
Shariah alignment, transparency, and fairness aren't features we bolt on. They're how every product structure begins. No exploitation. No compound interest. No hidden terms.
Innovation with purpose
We use modern technology to solve real problems for Pakistan's traders and merchants — not to chase trends. Every feature exists because someone in our ecosystem actually needs it.
Built for the long term
We don't optimise for the next transaction. We build infrastructure, relationships, and trust that compound over years — for our customers, our partners, and our country.
The team building Shaamilkar.
Umar Iftikhar Butt
Umar is the visionary behind Shaamilkar, driving the company's mission to create ethical financial solutions that are both innovative and responsible. With a background in Capital Markets and the fintech space, he leads the team in developing cutting-edge BNPL products that align with Islamic principles.
Awad Umar
Awad leads Shaamilkar's product initiatives and ensures our products are built on a robust technical foundation. With a strong background in credit management and fintech, he drives innovation and manages strategic initiatives across the organization.
Arif Mahmood
Arif leads Shaamilkar's technology initiatives and ensures our products are built on a robust technical foundation. With a strong background in software engineering and management, he sets the technical direction of the company.
Let's build the future of ethical finance.
Customers, partners, regulators, investors — we'd love to talk.