Mudaraba (Fund Management) | Bank of Khartoum

Join Hands with Us in

Mudarabah Partnership

Mudaraba

Mudaraba is a partnership-based financing model where the Bank of Khartoum provides all the capital, while the client manages the business. Profits are shared according to an agreed ratio, but if there’s a loss, the bank covers it, but the Bank will not shoulder any loss incurred for any fault of the Mudarib. Our Shariah-compliant Term Deposit is created to help you earn more, with higher returns for longer investment periods. Profits come from a common investment pool shared by both depositors and shareholders.

Features

A Mudaraba contract is executed between the Bank and you.
Equity is provided by the Bank.
You are free to manage your business in your own way.
Profit is divided as per agreement.
The bank bears the actual loss alone.
Profit will be shared equally by the Bank and the Mudarib.
The bank may allow more share of profit to Mudarib at its discretion since he will manage the business.

Benefits

Follows Islamic principles, making sure the investment is halal and does not involve interest-based transactions.
Customers share in the profits generated by the business venture.
The profit distribution is based on a pre-agreed ratio, providing a potential for higher returns.
Both the bank and the customer share the risks associated with the business venture.
The bank provides the necessary capital and often offers business expertise and support to the customer.
Mudarabah finance offers flexibility in terms of investment amounts and duration.
Unlike conventional loans, Mudarabah finance does not involve fixed interest rates.
Mudarabah fosters a partnership between the bank and the customer.