Agreed Profit Sharing
Profits are distributed among partners according to the profit-sharing ratio agreed beforehand.
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Shariah-Compliant
Partnership for Growth
Musharakah Agreement
Musharakah is an agreement between two (or more) parties to contribute to a particular business activity, whether existing or new, under an arrangement that ultimately results in one party acquiring full ownership. Profits are shared in accordance with the agreement between the parties. Losses are shared in proportion to relative shares of capital. Bank of Khartoum Musharakah is a Shariah-compliant finance solution structured to ensure the principles of Shari’ah related to Diminishing Musharakah are strictly followed, thus making it Riba-Free.
Features
Proportionate Loss Sharing
Any financial loss is shared by partners according to their respective share of the total investment.
Shared Management Rights
Each partner has the right to participate in managing the business and contribute to key decisions.
Entrepreneur-Led Operations
The entrepreneur manages the day-to-day operations and remains responsible for running the business effectively.
Bank Participation
The Bank participates in policy and major decisions while monitoring the overall enterprise.
Management's Profit Share
The entrepreneur may receive a higher profit share in recognition of active management, subject to agreement.
Equity-Based Loss Sharing
Any loss is allocated between the partners according to their respective equity contribution in the venture.
Written Partnership Agreement
All terms, responsibilities, and conditions are formally recorded in a written agreement signed by all parties.
Benefits
Sense of Control
Customers become co-owners of the venture, giving them a sense of control and active participation.
Higher Returns
Customers can earn higher returns compared to traditional investments.
Shared Risk
Customers share the risks involved in the project, lowering the individual burden.
Ethical Investment
Musharakah follows Islamic values, offering a responsible and ethical investment option.
Flexible Partnership
Musharakah can be customised to fit each customer’s unique needs and goals.
