Building wealth with ethics, discipline and purpose
We help individuals and institutions invest, save and plan for the future without compromising their beliefs. Every product follows Islamic financial principles.
Licensed and regulated by the Securities and Exchange Commission, Nigeria
A Nigerian firm for interest-free investing
Founded in 2025 with 100% Nigerian ownership, Ethica Capital is a non-interest financial services firm grounded in Shariah principles and moral responsibility.
We believe true prosperity goes beyond numbers. It is about integrity, values and purpose. Every product and service we offer follows Islamic financial principles, so our clients can invest, save and plan for the future without compromising their beliefs.
Our mission
To provide ethical, Shariah-compliant investment and financial planning solutions that uphold moral values, protect capital, and promote long-term financial security and dignity for our clients.
Our vision
To be a trusted leader in non-interest financial services, empowering individuals and institutions to build, preserve and transfer wealth responsibly.
What we offer
Five services with one standard: nothing we do involves interest, and every product is reviewed against Shariah principles.
See all servicesEthical investment portfolios
Portfolios structured for steady, disciplined growth that avoid interest-based and non-permissible activities.
Private client portfolios
Personal portfolio management matched to your goals, risk tolerance and values.
Unit trust schemes
Shariah-compliant mutual funds that give you professionally managed, diversified investments.
Financing advisory
Help structuring Shariah-compliant financing that supports business growth and development.
Investment advisory
Market insight, financial analysis and Shariah principles combined into well-reasoned decisions.
How we keep every investment halal
Shariah compliance is not a label we add at the end. These rules shape every product from the start.
No interest
Riba
Your returns come from real economic activity, never from lending money at interest.
No excessive uncertainty
Gharar
Contracts are clear about what you are investing in and on what terms.
No harmful industries
Ethical screening
We stay out of sectors that Islamic finance prohibits or that cause harm.
Scholarly review
Shariah governance
Products are developed and reviewed with qualified scholars, and checked throughout their life.
Our management team
Experienced bankers and finance professionals with backgrounds in non-interest banking, investment and compliance.
Your investments, on your phone
The Ethica Halal Investment app shows everything you hold with us and lets you act on it, secured with Face ID or fingerprint.
- See your principal, accrued profit and next maturity
- Top up an investment or request a liquidation
- Download your investment certificates
Common questions
Ethical investing should be easy to understand. If your question is not here, call us on +234 701 466 1477.
All products and activities follow Islamic principles. That means avoiding interest (riba), excessive uncertainty (gharar) and unethical industries, and making sure investments are backed by real economic activity.