Murabaha Corporate Financing

Bank-e-Millie Afghan (BMA) offers a Sharia-compliant financing solution to help Individuals and businesses meet their funding needs. The Murabaha Financing method is designed to facilitate the process for customers in transparent under Sharia Law. The Murabaha financing is based on the principle of cost-plus-profit, where the Bank purchases the Requested Goods and sells them to the Customer at an agreed upon price that includes a profit margin.

Why Choose Murabaha Financing?

Sharia-compliant: Fully in line with Islamic Law, ensuring that the transaction is ethical and permissible.

Clear terms: Transparent profit margin and repayment terms agreed upon at the outset.

Flexible repayment: Repayment schedules are tailored to the business’s cash flow and financial capacity of customer.

Sharia-compliant: The Bank ensures that all transactions are supported by Islamic sharia and legally recognized.

Sharia-compliant: Fully in line with Islamic Law, ensuring that the transaction is ethical and permissible.

Clear terms: Transparent profit margin and repayment terms agreed upon at the outset.

Flexible repayment: Repayment schedules are tailored to the business’s cash flow and financial capacity of customer.

Sharia-compliant Collateral: The Bank ensures that all transactions are supported by valid and legally recognized Collateral.

☑ Installments: Easy and reliable monthly repayment plan.
☑ Easy processing: The facility is easily processed with all documentation in only two days for individuals.

Business owners: Business engaged operators must be present.
Business activity: The business has been operating for at least two years.
Business license: The business license must be active.
Application Form: The financing application form must be submitted along with two years of financial information and supporting documents.
Financing period: The financing period is up to 5 years.

Collateral/Security:

· Legal Pledge of Properties (Qabala Shara-e) or other acceptable valuable goods.

Company License: A valid and active company license.

Company's Articles of Association (AoA): A copy of the Company's Articles of Association.

Identification of key personnel: Copies of ID cards for the Company's President, Deputy President, and Shareholders.

Two year Audited Financial Statements: Audited Financial Statements for the last two years, verified by one of the Bank's affiliated entities.

Three year Projected Financial Statements: A detailed Financial Projection for the next three years.

Official request: A formal written Request on the Company’s letterhead, signed and sealed by the President or Vice President.

Board Resolution: Approval from the Company’s Shareholders (via a Board Resolution) to obtain financing and appoint a competent individual to sign all financing documents.

Bank Statement: A Bank Statement for the last 12 months.

Company Profile: A History or Profile of the Company, detailing its operations, achievements, and market position.

Taxpayer Identification Number (TIN): The Company’s TIN.

Legal Pledge of Properties (Qabala Shara-e) or other acceptable valuable goods.

For further details, please visit our nearest office or contact our Customer Services by dialing 1312

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