This is available in the following three forms:
- Finance based on the concept of Murabaha for purchase of machinery, raw materials, furniture, real estate, stocks equity and other financial instruments compliant with Shariah. This is a medium to long-term finance with a fixed rate.
- Finance based on the concept of Mudaraba (Equity) for a tenure of one year. It functions as a short-term running facility account for businesses. Repayment is based on actual performance, but capped at a pre-agreed rate. It offers the option for price rescheduling.
- Finance based on the concept of Restricted Wakala for a tenure of one year. It offers short-term finance facility to enhance cash flow. Repayment is based on actual performance, but capped at a pre-agreed rate. It offers the option for price rescheduling.