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As part of our initiative to promote financial inclusion, we provide credit facilities to both individuals and businesses utilizing our Islamic Financing Models.


Our facilities boast Interest-Free terms and flexible payment plans which are typically disbursed on a monthly basis from the members' fixed deposits.

Our Small and Medium Enterprises financing is specifically designed to support viable halal businesses in order to enhance economic growth and development.


We employ three distinct Islamic financing models - Murabaha (Cost plus mark-up), Musharaka (Joint Partnership) and Mudarabah (Trust Partnership) - through our ethical investment funds.

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