Partnership-Based financing

Musharakah (Partnership)

A partnership contract between two or more parties, each contributes capital, and profit or loss is shared between the partners.

Unique Features and Benefits of Musharakah

  • Participating on sharia compliant working activities;
  • The ratio of profit distribution must be agreed at the time of execution of the contract;
  • Loss is covered as per capital contribution;
  • Both the bank and the customer have the Wright to participate on decision making process;
  • The bank has not a permanent partnership with the customer;
  • Fast and clear advisory service from trained professional experts;
  • Periodical disclosure of performance of the investment.

Mudarabah (Joint- Venture)

Mudarabah is a joint-venture between owner of capital (Rab-ul-Maal) and an entrepreneur (Mudarib) who provides the expertise knowledge.

Unique Features and Benefits of Mudarabah

  • Participating on sharia compliant working activities;
  • Loss is covered as per capital contribution;
  • The ratio of profit distribution must be agreed at the time of execution of the contract;
  • Fast and clear advisory service from trained professional experts;
  • Periodical disclosure of performance of the investment.