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The Islamic Financial Center (IFC) provides alternative financial services,
based on the principles of Sharia
Consumer finance for the purchase of various everyday goods: household appliances, furniture, computer
equipment, communications, etc.
- business development , if own funds are insufficient , to expand their own business,
- construction (purchase of building materials for personal use)
- development of agriculture (cattle breeding and crop production)
1) Card Hasan - is a demand deposit
2) Mudaraba - is a time deposit
Auto financing for the purchase of a car,
motor vehicles and special equipment.
One of the most important features of Islamic finance is that it is financing based on real assets.
The following Islamic financing products are always associated with related goods and services.
IFC - is ready to offer our clients a full range of services of the Islamic Financial Center on the principles of Sharia. Our goal is to provide you with complete information about products for effective solutions and even help you in the chosen product.
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Salam is the sale of a delayed supply at the current price of a particular asset to the Bank. The Bank’s income from this transaction is the resale of the future asset in the market at a price that is set by the Bank based on the market situation at the time the asset is sold.
The economic meaning of the transaction is the advance payment to the Client (actually financing) at a price below the market future supply of the asset..
Sharika / Musharaka is a joint participation of the Bank and the Client in the implementation of any business plan (investment plan) and co-financing this plan. The profit is divided in pre-agreed proportions between the Bank and the Client.
The loss is divided in proportions corresponding to the shares of participation in the partnership.
Mudaraba is a partnership where the Bank participates in providing investment financing for a specific client’s project (special enterprise). The bank, within the framework of such financing, is the «owner of money» (investor), the client of the bank, called the «trusted partner» (mudarib) carries out the organization and management of the
project, provides the management, personnel and technical component of the project. The profit from the realization of the project is distributed between the Bank and the Client in the corresponding, agreements, shares. The loss from sales is attributable to the result of the Bank.
Murabaha is an installment sale with an extra charge by the Bank of a certain asset
to a Customer,previously acquired by the Bank itself.
Istisna is a deal in which the client applies to the bank for the construction of a production facility with certain specifications. The bank must satisfy the client’s needs and present the object in accordance with the specifications designated by the client, which pays the price in installments.
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