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Murabaha Financing 

Murabaha is a type of Islamic financing where the Bank of Khartoum helps customers buy goods by agreeing on a fixed price, which includes a set profit for the bank. The bank purchases the item from the customer’s preferred seller and then sells it to the customer. The customer repays the bank in instalments or as per the agreed payment terms. This is a fixed-income loan for the purchase of a real asset (such as raw materials, machinery, equipment, trucks, pre-export finance and other operational needs), with a fixed rate of profit determined by the profit margin. 


Features

  • Fixed Profit Margin: The profit margin is pre-agreed between the Bank and the customer for transparency in the cost of the asset. 
  • Clear Terms: All costs, including the purchase price, selling price, and additional expenses, are disclosed at the time of the agreement.
  • Real Asset-Based: This financing is tied to real assets such as property, vehicles, or equipment.
  • No Additional Charges for Late Payments: Bank of Khartoum cannot charge extra profit for delayed payments beyond the contracted term.
  • Mortgage on Asset: The purchased asset serves as collateral with the bank until the financing is fully repaid.
  • Shariah-Compliant: The financing structure is fully aligned with Islamic principles, prohibiting interest-based transactions.
Benefits

  • Customers know the exact profit margin and cost of the asset from the start.
  • Customers can repay the bank in agreed-upon instalments.
  • Since the bank cannot charge extra for late payments, customers avoid high penalty fees.
  • The asset remains as collateral, ensuring the customer’s commitment and reducing risk for both parties.
  • Murabaha can be used for purchasing a range of real assets, including property, vehicles, or equipment.
  • This Shariah-compliant financing offers an ethical alternative to traditional loans, making it suitable for customers seeking interest-free options.

How to Contact Us

Call Mubasher
Call Mubasher

+249187040600

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Email

info@bok.sd

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