a financial instrument in accordance with the principles of the present invention promotes consumer investment using a consistently formatted investment unit , which fosters the development of a secondary market for those investment units thus affording certain investment liquidity to the consumer . specifically , the present invention creates a standardized platform for the operation of a consumer - oriented shari &# 39 ; ah compliant security in support of certain depository account functions that are themselves shari &# 39 ; ah compliant , but more in keeping with conventional economic or banking norms such that passive to semi - passive consumer deposits originating form the muslim market sector may be cultivated and promoted within banks and like financial institutions . a financial instrument formulated in accordance with the principles of the present invention provides for the creation of a far more manageable and efficient consumer - based islamic investment account function than present practices permit . further , a networked application of the present invention can overcome significant logistical considerations to appointing and designating a ssb for on - going matters of shari &# 39 ; ah compliance and supervision .