Business Restructuring
Turnaround support for financially distressed or "sick" projects — repayment restructuring, capital realignment and a workable path back to viability.
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Financing solutions, built around you
From corporate restructuring to household and agricultural finance — practical facilities and advisory backed by clear terms and dependable service.
Vendor Finance
Working capital extended to vendors and suppliers, secured against a principal's guarantee — keeping supply chains funded without tying up your own balance sheet.
See MoreAdvance Against Salary
Short-term salary advances processed on an employer's request, giving employees fast access to earned income for genuine, time-sensitive needs.
See MoreAgri-Based Finance
Seasonal and term financing for growers and agribusinesses — input costs, land development and equipment, structured around the crop cycle.
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Independent guidance on financing structure, capital raising and restructuring options — built on a clear view of your numbers, not a sales pitch.
See MoreAuto & Household Loan
Financing for a vehicle purchase or household needs — from furnishings to essential repairs — with straightforward eligibility and fixed instalments.
See MoreEquipment & Solar Finance
Term financing to acquire machinery, production equipment or a solar installation — sized to the asset's useful life and your cash flow.
See MoreSME Business Finance
Shariah-compliant financing designed to support small and medium enterprises with working capital, business expansion, inventory purchases, and sustainable growth.
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Shariah Compliant Solutions
Smart Solutions for Strategic Islamic Finance Growth
Explore our ethical financial products designed for sustainable growth, business expansion, and financial empowerment.
Principal Microfinance Products
100% Halal
Flexible Modes
All Needs
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Product Details
Islamic microfinance based upon Islamic mode of financing through its products including ijarah, murabahah, musharakah, salam, modarabah.
Modes Included
- Ijarah & Murabahah
- Musharakah & Modarabah
- Salam Financing
Diminishing Musharakah
Equity Building
Joint Purchase
Asset Ownership
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Product Details
The MFI and the client jointly purchase an asset. The client gradually buys out the MFI's share through periodic payments until full ownership is transferred.
Microfinance Usage
Ideal for housing, transport vehicles, or heavy commercial equipment purchases.
Murabaha
Fixed Markup
Deferred Sale
Working Capital
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Product Details
The institution purchases a specific asset (raw materials, livestock, or machinery) on behalf of the client and resells it on deferred payment with a profit markup.
Microfinance Usage
Best suited for working capital, agricultural inputs, stock, and inventory purchases.
Mudarabah & Musharakah
Profit Sharing
Joint Venture
Business Growth
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Product Details
Mudarabah combines capital and expertise. Musharakah involves shared capital where profits are distributed per agreed ratios, fostering joint enterprise success.
Microfinance Usage
Used for business expansion, joint ventures, trade financing, and agricultural harvests.
Ijarah
Rental Plan
Asset Transfer
Machinery
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Product Details
The institution purchases an asset and leases it to micro-entrepreneurs for a specific rental term, transferring full ownership upon lease completion.
Microfinance Usage
Acquiring income-generating assets such as sewing machines, vehicles, solar kits, or tools.
Savings & Micro-Takaful
Risk Shield
Halal Savings
Emergency Security
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Product Details
Offers profit-sharing savings accounts (Mudaraba/Wadiah) combined with Micro-Takaful to protect low-income households against financial vulnerabilities.
Protects Against
Crop loss, livestock emergencies, health crises, or unexpected family hardship.
Delivering Long-Term Value Through
Islamic Finance Product
First Islamic Microfinance Company Limited (FIMCL) provides Shariah-compliant financial solutions to help individuals and businesses achieve their goals through a comprehensive, client-focused approach to Islamic wealth management.
FIMCL — Financing Overview
Updated July 2026
Total Portfolio Value
PKR 46.5L
+15%
Active Financing
MR
Murabahah
Trade Finance
12.4L +12%
IJ
Ijarah
Asset Leasing
8.2L +8%
MS
Musharakah
Partnership
5.8L -3%
MD
Modarabah
Profit Sharing
4.1L +10%
Portfolio Split
46.5L
- Murabahah 43%
- Ijarah 30%
- Musharakah 20%
- Modarabah 7%
128
Active Clients
100%
Shariah Compliant
+15%
Portfolio Growth
5+
Years Experience
Client Trust & Satisfaction
96%
Strategic Islamic Finance Product
We design Shariah-compliant investment strategies tailored to each client's unique goals, ensuring every decision aligns with both financial objectives and Islamic principles.
Transparent Process
We believe in complete transparency with our clients from documentation to financing structure, every step is clear, fair, and free of hidden terms.
Risk Management
Our disciplined approach to risk management protects client assets through careful research, diversification, and continuous portfolio monitoring.
Long-Term Growth
We prioritize sustainable, long-term financial growth over short-term gains, helping clients build lasting value through ethical Islamic Finance Product practices.
FAQ
Frequently Asked Questions?
Find answers to common questions about our Islamic microfinance products and services
We provide a comprehensive suite of Islamic microfinance services including Ijarah, Murabahah, Musharakah, Salam, and Modarabah financing, along with Islamic Finance Product advisory and wealth management solutions. Our experienced team works closely with you to develop a customized strategy that meets your unique financial goals.
Our investment philosophy is centered on diversification, risk management, and long-term growth. We conduct extensive research to identify high-quality, Shariah-compliant investment opportunities that align with each client's risk tolerance and objectives. We actively monitor and rebalance portfolios to ensure they remain on track under Islamic principles.
Islamic microfinance is a Shariah-compliant approach to providing financial services, based on principles that prohibit interest (riba) and promote risk-sharing, transparency, and ethical investment. Instead of conventional loans, we use modes of financing such as Ijarah (leasing), Murabahah (cost-plus sale), and Musharakah (partnership) to support our clients.
Our microfinance products are designed for individuals and small business owners seeking Shariah-compliant financing solutions to grow their business, manage assets, or achieve their financial goals. Each application is reviewed individually based on the client's needs and circumstances.
Processing times vary based on the type and complexity of the financing requested. Our team works efficiently to review applications and keep clients informed at every stage, ensuring a smooth and transparent process from start to finish.
Getting started is simple. Reach out to our team via phone, email, or the contact form on our website. We'll schedule a consultation to understand your financial goals and recommend the most suitable Shariah-compliant solutions for you.
User Complaint Cell
Raise a concern directly with the regulator or Jama Punji if it isn't resolved to your satisfaction.
Still have questions?
Talk to our team directly — we'll walk you through the right Shariah-compliant option for your needs.
📞 +92-51-848-5126