Wakala Investment
Sharia-compliant agency-based investment where you appoint the bank as your agent (Wakil) to invest your funds in Sharia-approved ventures. Target returns with profit distribution.
Key Features
- Agency-based investment structure
- Bank acts as investment agent
- Sharia-compliant investment portfolio
- Target returns communicated upfront
- Quarterly profit distribution
- Capital protection arrangements available
Rates & Charges
- Agency Fee: 1% of investment p.a.
- Target Return: 8% - 11% p.a.
- Lock-in Period: 6 months
- Minimum Investment: KES 100,000
Eligibility Requirements
- Open to all individuals and corporates
- Minimum investment KES 100,000
- Valid identification documents
- Risk acknowledgment signed
Required Documents
- 📋 National ID or Passport — Bring to branch
- 📋 KRA PIN Certificate — Bring to branch
- 📋 Source of funds declaration — Bring to branch
- 📋 Wakala investment agreement — Bring to branch
Frequently Asked Questions
Find answers to common questions about our services.
Is my capital guaranteed?
What types of investments does the bank make?
How often are profits distributed?
Terms & Conditions
Under the Wakala arrangement, the investor appoints Omni-Trust Bank as an agent (Wakil) to invest funds in Sharia-compliant activities. The Bank charges an agency fee and any returns above the target are shared per the Wakala agreement.The Bank exercises professional care in managing invested funds but does not guarantee returns. Investment activities are supervised by the Sharia Advisory Board to ensure ongoing compliance.
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