Products & Services
Musharakah Financing
Joint venture partnership-based financing.
Sharia-compliant Financing
Musharakah Partnership Financing
Partnership-based profit & loss sharing products designed to align wealth creation with Sharia principles, fairness, and ethical investment.
Musharakah Financing enables business partnerships where both the bank and client contribute capital, share profits, and participate in management.
Features:
- Active Partnership: Clients participate in management and decision-making.
- Joint Ownership: Both parties hold a share in the financed asset or project.
- Profit & Loss Sharing: Risks and rewards are distributed according to capital contribution and agreed ratios.
- Equity-Based Financing: Sharia-compliant alternative to conventional interest-based debt.
Benefits:
- Promotes ethical investment in compliance with Sharia.
- Encourages collaborative business ventures and shared accountability.
- Transparent and fair profit/loss distribution.
- Supports sustainable economic growth in line with Islamic principles.
- Project Assessment: Evaluate financing requirements collaboratively.
- Joint Capital Contribution: Partners invest agreed amounts into the venture.
- Profit & Loss Distribution: Profit by pre-agreed ratio; loss borne according to capital contribution.