From 851fbd25b42e33a8555cf60615af48c42acbf1cb Mon Sep 17 00:00:00 2001 From: Qdee Date: Sat, 14 Feb 2026 16:54:19 +0000 Subject: [PATCH] Add Islamic finance halal compliance reasoning task --- .../islamic-finance-halal-compliance.json | 40 ++++++ tasks.md | 1 + tasks/islamic-finance-halal-compliance.md | 127 ++++++++++++++++++ 3 files changed, 168 insertions(+) create mode 100644 tasks-json/islamic-finance-halal-compliance.json create mode 100644 tasks/islamic-finance-halal-compliance.md diff --git a/tasks-json/islamic-finance-halal-compliance.json b/tasks-json/islamic-finance-halal-compliance.json new file mode 100644 index 0000000..dada9d1 --- /dev/null +++ b/tasks-json/islamic-finance-halal-compliance.json @@ -0,0 +1,40 @@ +{ + "name": "Islamic Finance Halal Compliance", + "description": "This task evaluates whether financial choices are compatible with Islamic finance constraints using explicit screening rules. The model must reason through business activity filters, leverage/interest thresholds, contract structure, and purification requirements, then produce a clear compliance verdict.", + "modality": "Text only", + "diagram": null, + "citations": null, + "examples": [ + [ + { + "input": "Use the following screening policy:\n- Business activity screen: fail if core revenue is from alcohol, gambling, conventional banking, adult entertainment, or weapons manufacturing.\n- Financial ratio screens:\n - Interest-bearing debt / market cap must be <= 33%\n - Cash and interest-bearing securities / market cap must be <= 33%\n\nCompany A data:\n- Core business: cloud software\n- Revenue mix: 94% software subscriptions, 6% treasury interest\n- Interest-bearing debt / market cap: 24%\n- Cash and interest-bearing securities / market cap: 38%\n\nQuestion: Is Company A compliant under this policy?", + "output": "Not compliant under the stated policy.\n\nReasoning:\n1. Business activity screen passes: cloud software is a permissible core activity.\n2. Debt ratio passes: 24% <= 33%.\n3. Cash/interest-bearing securities ratio fails: 38% > 33%.\n\nConclusion: Company A fails one mandatory financial ratio screen, so it is not compliant." + } + ], + [ + { + "input": "Policy for purification:\n- If an otherwise-compliant stock has incidental non-permissible income, donate that percentage of dividend income to purification.\n\nInvestor received:\n- Dividend: $1,250\n- Non-permissible income ratio reported by screening provider: 4.8%\n\nQuestion: How much should be purified?", + "output": "Purification amount = 4.8% of $1,250 = $60.00.\n\nCalculation:\n- 0.048 * 1250 = 60\n\nConclusion: Donate $60.00 as purification." + } + ], + [ + { + "input": "Choose the more Shariah-aligned financing structure based on contract form:\n\nOption A:\n- Conventional loan\n- Principal guaranteed\n- Fixed 8% annual interest payment\n\nOption B:\n- Musharakah partnership\n- Capital contributed by both parties\n- Profit sharing at pre-agreed ratio\n- Loss sharing proportional to capital contribution\n\nQuestion: Which option is more aligned and why?", + "output": "Option B is more Shariah-aligned.\n\nReasoning:\n1. Option A is an interest-based debt contract with fixed return on principal, which conflicts with riba prohibition.\n2. Option B is equity-like risk sharing (profit-and-loss sharing), which matches core Islamic finance principles.\n\nConclusion: Option B is the compliant structure among the two." + } + ], + [ + { + "input": "A DeFi vault advertises \"halal yield\". Terms:\n- User deposits stablecoins.\n- Protocol lends to margin traders and charges variable interest.\n- Vault pays depositors from collected lending interest minus fees.\n- No ownership in real assets; returns come from lending spread.\n\nQuestion: Based only on these terms, is the yield source likely compliant? Explain.", + "output": "Likely not compliant based on the stated mechanism.\n\nReasoning:\n1. Return source is lending interest from margin borrowing.\n2. Depositor payout is directly derived from interest spread, not trade or asset profit-sharing.\n3. Structure appears debt-interest based rather than partnership/asset-backed profit model.\n\nConclusion: This setup is likely non-compliant unless the underlying return mechanism is materially restructured." + } + ] + ], + "tags": [ + "Islamic Finance", + "Halal Compliance", + "Financial Screening", + "Ethical Reasoning", + "Risk Assessment" + ] +} \ No newline at end of file diff --git a/tasks.md b/tasks.md index 2e9b141..fd31b30 100644 --- a/tasks.md +++ b/tasks.md @@ -62,6 +62,7 @@ | [Interpreting Legal Language And Precedents](https://github.com/NousResearch/Open-Reasoning-Tasks/blob/main/tasks/interpreting-legal-language-and-precedents.md) | Analyzing and interpreting legal texts, statutes, or case law to understand their implications and applications. | | [Interpreting Nonverbal Communication](https://github.com/NousResearch/Open-Reasoning-Tasks/blob/main/tasks/interpreting-nonverbal-communication.md) | Analyzing and interpreting nonverbal cues in human communication. | | [Interpreting Statistical Data](https://github.com/NousResearch/Open-Reasoning-Tasks/blob/main/tasks/interpreting-statistical-data.md) | Analyzing and interpreting statistical data presented in various formats. | +| [Islamic Finance Halal Compliance](https://github.com/NousResearch/Open-Reasoning-Tasks/blob/main/tasks/islamic-finance-halal-compliance.md) | Evaluating financial decisions for Shariah alignment using explicit screening criteria, contract structure, and purification rules. | | [Lateral Thinking Puzzles](https://github.com/NousResearch/Open-Reasoning-Tasks/blob/main/tasks/lateral-thinking-puzzles.md) | Solving lateral thinking puzzles to evaluate the ability to think creatively, consider unconventional scenarios, and ask relevant questions to reach the correct solution. | | [Mathematical Word Problems](https://github.com/NousResearch/Open-Reasoning-Tasks/blob/main/tasks/mathematical-word-problems.md) | Solving mathematical word problems to evaluate the ability to interpret real-world scenarios, extract relevant information, and perform appropriate calculations. | | [Mental Rotation Tasks](https://github.com/NousResearch/Open-Reasoning-Tasks/blob/main/tasks/mental-rotation-tasks.md) | Mentally rotating objects or shapes and predicting their appearance from different angles. | diff --git a/tasks/islamic-finance-halal-compliance.md b/tasks/islamic-finance-halal-compliance.md new file mode 100644 index 0000000..5ddc461 --- /dev/null +++ b/tasks/islamic-finance-halal-compliance.md @@ -0,0 +1,127 @@ +# Islamic Finance Halal Compliance + +## Description: +This task evaluates whether financial choices are compatible with Islamic finance constraints using explicit screening rules. The model must reason through business activity filters, leverage/interest thresholds, contract structure, and purification requirements, then produce a clear compliance verdict. + +## Modality: +Text only + +## Examples: + +### Example 1: + +Input: +``` +Use the following screening policy: +- Business activity screen: fail if core revenue is from alcohol, gambling, conventional banking, adult entertainment, or weapons manufacturing. +- Financial ratio screens: + - Interest-bearing debt / market cap must be <= 33% + - Cash and interest-bearing securities / market cap must be <= 33% + +Company A data: +- Core business: cloud software +- Revenue mix: 94% software subscriptions, 6% treasury interest +- Interest-bearing debt / market cap: 24% +- Cash and interest-bearing securities / market cap: 38% + +Question: Is Company A compliant under this policy? +``` + +Output: +``` +Not compliant under the stated policy. + +Reasoning: +1. Business activity screen passes: cloud software is a permissible core activity. +2. Debt ratio passes: 24% <= 33%. +3. Cash/interest-bearing securities ratio fails: 38% > 33%. + +Conclusion: Company A fails one mandatory financial ratio screen, so it is not compliant. +``` + +### Example 2: + +Input: +``` +Policy for purification: +- If an otherwise-compliant stock has incidental non-permissible income, donate that percentage of dividend income to purification. + +Investor received: +- Dividend: $1,250 +- Non-permissible income ratio reported by screening provider: 4.8% + +Question: How much should be purified? +``` + +Output: +``` +Purification amount = 4.8% of $1,250 = $60.00. + +Calculation: +- 0.048 * 1250 = 60 + +Conclusion: Donate $60.00 as purification. +``` + +### Example 3: + +Input: +``` +Choose the more Shariah-aligned financing structure based on contract form: + +Option A: +- Conventional loan +- Principal guaranteed +- Fixed 8% annual interest payment + +Option B: +- Musharakah partnership +- Capital contributed by both parties +- Profit sharing at pre-agreed ratio +- Loss sharing proportional to capital contribution + +Question: Which option is more aligned and why? +``` + +Output: +``` +Option B is more Shariah-aligned. + +Reasoning: +1. Option A is an interest-based debt contract with fixed return on principal, which conflicts with riba prohibition. +2. Option B is equity-like risk sharing (profit-and-loss sharing), which matches core Islamic finance principles. + +Conclusion: Option B is the compliant structure among the two. +``` + +### Example 4: + +Input: +``` +A DeFi vault advertises "halal yield". Terms: +- User deposits stablecoins. +- Protocol lends to margin traders and charges variable interest. +- Vault pays depositors from collected lending interest minus fees. +- No ownership in real assets; returns come from lending spread. + +Question: Based only on these terms, is the yield source likely compliant? Explain. +``` + +Output: +``` +Likely not compliant based on the stated mechanism. + +Reasoning: +1. Return source is lending interest from margin borrowing. +2. Depositor payout is directly derived from interest spread, not trade or asset profit-sharing. +3. Structure appears debt-interest based rather than partnership/asset-backed profit model. + +Conclusion: This setup is likely non-compliant unless the underlying return mechanism is materially restructured. +``` + +## Tags: +- Islamic Finance +- Halal Compliance +- Financial Screening +- Ethical Reasoning +- Risk Assessment