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Sharia-Compliant Financing Solutions

A suite of products designed for modern needs, built upon time-tested ethical principles.

Cost-Plus Financing

Murabaha (Standard)

Ideal for asset acquisition. We purchase the asset (home, vehicle, equipment) and sell it to you at a mutually agreed-upon markup, with fixed payments.

How it works: You identify the asset. Bulaal buys it. We sell it to you at a price (Cost + Profit Margin). You pay in installments. No interest rates, just a fixed price.
Joint Partnership

Diminishing Musharaka

A declining equity partnership. Perfect for home ownership. We co-own the asset initially, and you gradually buy our share over time until you own 100%.

How it works: We purchase the property together. You pay rent on our share plus a buyout payment for a portion of our equity. Over time, your ownership increases, and ours decreases.
Leasing Model

Ijara (Leasing)

A modern leasing solution where we own the asset and lease it to you for a fixed period and rent. Ownership transfers to you at the end of the term.

How it works: Similar to a conventional lease, but compliant. We own the asset, you use it and pay rent. Maintenance responsibilities are clearly defined in the contract.
Benevolent Loan

Qard Hasan

An interest-free loan extended for welfare or specific short-term needs. A virtuous loan intended to help, not profit.

How it works: Usually for emergencies or charitable causes. You repay exactly the amount borrowed. No fees, no interest.

Buying a Home?

Diminishing Musharaka is typically best for long-term ownership, while Ijara works well if you prefer to lease initially with an option to buy later.

Vehicle or Equipment?

Murabaha is the standard for vehicles and business equipment. It offers fixed installments and immediate ownership transfer upon payment.

Need Assistance?

If you are facing hardship, we can discuss Qard Hasan or restructuring options based on your circumstances.