Musharaka and Mudaraba (Profit and Loss Sharing)

We encourage profit and loss sharing (PLS) schemes through musharaka and mudaraba contracts, which promote equity participation in business ventures.

With musharaka, clients share profits and losses according to predetermined ratios, fostering collaboration and risk-sharing.

Mudaraba contracts, on the other hand, involve trustee financing, where one party provides funds while the other offers managerial expertise.

These PLS schemes enable clients to access capital and expertise to grow their businesses while minimizing financial risk.

Our Services

At RIYAQ Microfinance and Training Facility, we embrace Islamic financial principles to offer Sharia-compliant microfinance solutions/services that cater to the unique needs of our Muslim clients. Our model is based on a range of Islamic microfinance contracts, each designed to provide access to financial services while adhering to Sharia guidelines.