Musharaka Partnership
Joint partnership financing where the bank and customer co-invest in a venture. Profits are shared according to an agreed ratio. Ideal for property and business ventures.
Key Features
- Joint investment partnership
- Profit shared per agreed ratio
- Loss shared in proportion to capital
- Diminishing Musharaka for property
- Flexible partnership tenure
- Sharia Advisory Board certified
Rates & Charges
- Takaful: 0.75% p.a.
- Management Fee: 1% of facility
- Expected Return: 12% - 16% p.a.
- Profit Ratio (Bank:Client): Negotiable (typically 60:40)
Eligibility Requirements
- Business venture with viable returns
- Client contributes minimum 20% equity
- Sound business plan
- Good credit standing
Required Documents
- 📋 Business plan with financial projections — Bring to branch
- 📋 Client equity contribution proof — Bring to branch
- 📋 Venture-specific documents — Bring to branch
- 📋 National ID and KRA PIN — Bring to branch
Frequently Asked Questions
Find answers to common questions about our services.
How is profit sharing calculated?
What is Diminishing Musharaka?
Can this be used for business ventures?
Terms & Conditions
Musharaka is a partnership arrangement governed by Islamic principles of risk and reward sharing. Both partners contribute capital and share profits according to an agreed ratio. Losses are borne in proportion to each partner's capital contribution.In Diminishing Musharaka, the client progressively purchases the Bank's share through additional payments, eventually acquiring full ownership. The Bank's profit share decreases proportionally as its ownership diminishes.
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