Musharakah

Meaning: "Partnership"

How it works

You partner with us by contributing capital to support our ethical financing initiatives.

Profits generated from our business operations are shared based on an agreed ratio.

Losses, if any, are shared in proportion to the capital invested.

Key features

Transparent profit-sharing agreements

No fixed returns or interest payments (riba).

Mudarabah

Meaning: " Profit-Sharing"

How it works

You contribute capital as an investor, while we manage and operate the business activities.

Profits are shared based on an agreed ratio, while any losses are borne by the capital provider unless caused by negligence or misconduct.

Key features

Shariah-compliant profit-sharing agreements.

No involvement in operational risks for the investor.

Waqf or Charitable Endowments

(Optional)

How it works

You contribute to a fund dedicated to providing interest-free loans (Qard Hasan) or supporting community development initiatives.

While no profit is returned to contributors, this model allows you to play a direct role in empowering the community.

Key features

Ethical impact through social good.

Tax benefits may apply (depending on jurisdiction)

Anticipated Returns

Potential Returns on Your Partnership ContributionBased on our business model and historical performance, La Riba Finance has successfully generated average annual returns of up to 14% for our partners through Shariah-compliant profit-sharing agreements such as Musharakah (partnership) and Mudarabah (profit-sharing).

How we achieve these returns

Ethical Business Growth: We focus on financing halal (permissible) ventures and community-driven projects that yield sustainable and fair profits.

Shariah-Compliant Structures: Our profit-sharing models are designed to balance risk and reward while upholding Islamic finance principles.

Experienced Team: With expertise in Islamic finance and business operations, we strive to achieve optimal outcomes for our partners.

Important Notes On Returns

Non-Guaranteed Projections:
The 14% per annum return is an anticipated figure based on historical performance and market trends. Actual returns may vary depending on business conditions, market performance, and other factors.

Profit Sharing, Not Interest:
Returns are derived through profit-sharing mechanisms such as Musharakah or Mudarabah, not interest (riba). This ensures compliance with Shariah principles.

Shared Risks and Rewards:
As a partner, your capital is invested in ethical, interest-free projects. While we aim for positive returns, there is always a shared risk of loss in case of unforeseen circumstances.

How it works

Submit Your Partnership Inquiry: Complete our online form to express your interest in becoming a partner.

Proposal Review: Our team will review your inquiry and provide details on partnership opportunities that align with your goals.

Agreement Drafting: Once terms are agreed upon, we will prepare a Shariah-compliant partnership agreement outlining profit-sharing ratios and responsibilities.

Join the Journey: Contribute your capital and partner with us to promote ethical financing.

Benefits of partnering with us

Ethical Returns: Participate in profits generated through Shariah-compliant business models.

Social Impact: Contribute to empowering individuals and businesses through ethical financing.

Transparency: All agreements are structured to ensure fairness and full disclosure.Compliance Assurance: Partnerships are reviewed and approved by our Shariah Advisory Board.

Disclaimer:

La Riba Finance PTY LTD does not offer regulated investment products, and returns are not guaranteed. All anticipated figures are projections based on current business strategies and historical trends. We recommend consulting with an independent financial advisor before entering into any financial partnership.

Customer reviews

Discover what our clients think about our service

The loan process was so simple and quick! I got the funds I needed without any hassle. Highly recommended!

Amina K.

Excellent customer service and very transparent about the terms. I appreciate how they made everything easy to understand.

Yusuf R.

★★★★★

★★★★★

Get in touch

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Phone

+27 64 77 77 777

Email

info@laribafinance.com