Murabaha Working Capital
Shariah compliantBank purchases stock and sells to borrower at disclosed cost-plus margin.
- Amount
- KES 50,000 - 2,500,000
- Eligible sectors
- Retail, pharmacies, FMCG kiosks
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Compare Shariah-compliant finance structures for Kenya MSME borrowers.
Bank purchases stock and sells to borrower at disclosed cost-plus margin.
Supplier invoice is settled directly, then repaid through fixed instalments.
Equipment is leased to the client with ownership transfer option at maturity.
Profit-and-loss sharing partnership with agreed contribution ratios.
All facilities are subject to Shariah board approval and documentation review under CBK Islamic banking guidelines.
| Control | Requirement |
|---|---|
| Trading activity | Halal sector and supplier invoice evidence required |
| Asset ownership | Bank must evidence constructive ownership before Murabaha sale |
| Disclosure | Profit margin, fees, and transfer dates disclosed before acceptance |
| Shariah board | Non-standard structures require board review before activation |