Murabaha Financing
Sharia-compliant cost-plus financing for asset purchases. The bank purchases the asset and resells it to you at a disclosed profit margin. Approved by our Sharia Advisory Board.
Key Features
- Sharia Advisory Board approved
- Transparent cost-plus pricing
- Asset purchase and resale structure
- No interest or riba involved
- Fixed profit margin throughout tenure
- Available for vehicles, property, and equipment
Rates & Charges
- Profit Rate: 12% - 15% p.a.
- Processing Fee: 2%
- Documentation Fee: KES 5,000
- Takaful Insurance: 1% p.a.
Eligibility Requirements
- Muslim or non-Muslim (open to all)
- Minimum monthly income KES 50,000
- Age 21-65 years
- Clean credit record
Required Documents
- 📋 National ID or Passport — Bring to branch
- 📋 Income proof (payslips or business accounts) — Bring to branch
- 📋 Asset quotation or pro-forma invoice — Bring to branch
- 📋 KRA PIN Certificate — Bring to branch
Frequently Asked Questions
Find answers to common questions about our services.
How is Murabaha different from a conventional loan?
Is this available to non-Muslims?
Who ensures Sharia compliance?
Terms & Conditions
Murabaha Financing is structured in compliance with Sharia principles as certified by the Omni-Trust Bank Sharia Advisory Board. The Bank purchases the specified asset and immediately sells it to the customer at the agreed selling price (cost plus disclosed profit margin).The customer acknowledges that the selling price is fixed and not subject to change regardless of market fluctuations. Late payment penalties are donated to charity as per Sharia guidelines and do not benefit the Bank.
Ready to Get Started?
Open your Murabaha Financing today. Visit any branch or apply online.
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