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40 changes: 40 additions & 0 deletions tasks-json/islamic-finance-halal-compliance.json
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{
"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"
]
}
1 change: 1 addition & 0 deletions tasks.md
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| [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. |
Expand Down
127 changes: 127 additions & 0 deletions tasks/islamic-finance-halal-compliance.md
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# 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