Mudarabah Financing at Rammis Bank is an equity-based, profit-sharing arrangement that fosters collaboration between the bank and its clients. The bank provides capital while the client contributes expertise and management, enabling mutual growth.

• Sharia-Compliant: Fully adheres to Islamic financial principles.
• Risk & Loss Management: Losses are borne by the capital provider (bank), while the client’s liability is limited to their contribution.
• Profit Sharing: Profits are distributed according to a pre-agreed ratio.
• Non-Participation in Management: The client manages day-to-day operations.
• Flexible Termination: Partnership can be terminated per agreed contractual terms.

• Detailed business proposal and financial forecasts.
• Demonstrated skills, expertise, or experience.
• Transparent communication and accountability.
• Rabbul mal provides capital in cash or assets.
• Submission of required documentation.

1. Consultation & Agreement: Discuss profit-sharing terms and financing conditions.
2. Capital Deployment: Bank provides funds; client manages operations.
3. Business Management: Client runs business according to the agreed plan.
4. Profit Distribution: Shared as per pre-defined ratios.
5. Loss Handling: Losses absorbed by the bank, with limited client liability to its negligence or misconduct.