Financing with Fairness.
Conventional debt can be a trap. At Al-Barakah, we offer an alternative. Our Ethical Credit Services are designed to provide liquidity and capital support without the exploitative nature of interest (Riba). We focus on partnership, risk-sharing, and tangible economic activity to help you achieve your financial goals sustainably.
We provide credit facilities that are strictly non-interest based. Whether you need funds for personal needs or business operations, our structures ensure that you only pay for what is fair. We utilize contracts like Murabaha (Cost-Plus) and Qard Hasan (Benevolent Loan) to facilitate your needs.
Small businesses are the backbone of the economy. We offer working capital financing to help Micro, Small, and Medium Enterprises (MSMEs) purchase stock, equipment, or raw materials. We partner with you to ensure your business grows.
Life is unpredictable. Our salary advance scheme allows employees to access a portion of their earned income before payday to handle urgent expenses. This service is provided with a minimal administrative fee and absolutely no interest.
This is an ethical investment product designed for individuals and institutions seeking to grow their wealth in a Shariah-compliant way.
The company will provide professional guidance and support in:
A lease-based or cost-plus finance facility to acquire assets.
Acquire vehicles ethically.
Financing raw materials and goods for SMEs.
Acquire or furnish homes without interest.
Short-term financing for LPOs.
Inventory acquisition for supply chains.
Support for fees, equipment, projects.
Support for farmers and cooperatives.
Submit your request with necessary details.
We review your eligibility and needs.
Funds or assets are disbursed ethically.
Pay back conveniently over the agreed term.