Mudarabah & Musharakah
Capital and labor partnerships that share true profit and risk. Whether you have the expertise or want a joint investment, we partner with you to foster real business growth.
Growing together through shared success
Mudarabah is an investment partnership where FIMCL provides the capital (Rab-ul-Maal) and you provide the entrepreneurial skill and management (Mudarib). Profits are shared based on a pre-agreed ratio, while financial losses are borne by the capital provider.
Musharakah is a joint venture where both FIMCL and the client contribute capital to a business. Management can be joint or delegated. Profits are shared per agreed ratios, and losses are shared strictly according to the capital contribution.
Why this matters for you
- No fixed financial burden—pay only when you make a profit
- Rewards hard work, skill, and genuine entrepreneurship
- Fosters a supportive relationship between financier and business
- Promotes equitable wealth distribution in the economy
Choose your partnership style
We align our capital with your business needs through these distinct Islamic frameworks.
Why partner with us?
True Risk Sharing
Unlike conventional loans, we share the business risks with you, creating a genuinely ethical financial ecosystem.
Expert Guidance
As your partners, our success is tied to yours. You gain access to our financial expertise and institutional support.
Tailored Profit Ratios
We work with you to establish fair, pre-agreed profit distribution ratios based on industry norms and business projections.
Let's build a profitable future together
Bring us your expertise and business plans, and let's explore a true Islamic partnership.