Islamic finance

Finance the way it should be: ethical and fair

Our financing model is built entirely on Sharia principles — asset-backed, transparent, risk-sharing, and free of interest (Riba).

What makes it Sharia-compliant

Principles behind every product

These principles are not add-ons — they are the foundation of how Midnimo Microfinance operates.

No interest (Riba-free)

We never charge or pay interest. Returns come from real trade, assets, and shared enterprise.

Asset-backed

Every financing is tied to a real good, asset, or productive activity — not speculation.

Risk-sharing

Partnership structures share both risk and reward fairly between us and our clients.

Transparency

Terms and any mark-up are agreed clearly and openly, with no hidden charges.

Sharia oversight

An independent Sharia Advisory Board reviews and certifies our products annually.

Ethical purpose

Financing supports lawful, dignified livelihoods that benefit families and communities.

Our products

Sharia-compliant financing structures

Each product is reviewed and certified by our independent Sharia Advisory Board.

We buy an asset the client needs and sell it to them at a transparent, agreed mark-up, payable in instalments.

Ideal forSMEs and entrepreneurs needing equipment, stock, or business assets.
Client benefitPredictable payments and no interest — the price is fixed and known upfront.
ExampleA trader needs USD 2,000 of inventory. We purchase it and sell it to them for an agreed total, repaid over time.

A profit-and-loss-sharing partnership where we and the client jointly invest in a venture and share results by agreement.

Ideal forBusiness owners and cooperatives growing an enterprise together.
Client benefitShared risk and aligned incentives — we succeed when the client succeeds.
ExampleWe co-invest in a small processing business and share profits according to the agreed ratio.

We provide capital while the client provides expertise and management; profits are shared, and losses follow Sharia rules.

Ideal forSkilled entrepreneurs with a viable business but limited capital.
Client benefitAccess to capital based on skill and trust, not collateral alone.
ExampleWe fund a skilled artisan's workshop; they run it, and profits are split by the agreed ratio.

We pay in advance for goods to be delivered later — especially useful for farmers needing capital before harvest.

Ideal forFarmers and producers needing working capital ahead of production.
Client benefitUp-front liquidity for producers, smoothing seasonal cash flow.
ExampleWe pay a farmer now for crops delivered at harvest, giving them cash for inputs.

Financing for goods or assets to be built or manufactured, with staged payments tied to production.

Ideal forClients commissioning equipment, construction, or made-to-order assets.
Client benefitEnables larger productive investments with structured payments.
ExampleWe finance the construction of a workshop, paying the builder in agreed stages.

We purchase an asset and lease it to the client for an agreed rental, with an option to own at the end.

Ideal forClients needing equipment or assets without full upfront purchase.
Client benefitUse productive assets immediately while paying over time.
ExampleA client leases solar equipment, paying rent, and owns it at the end of the term.

An interest-free loan for vulnerable clients — repay only the amount borrowed, with no charge.

Ideal forIDPs, returnees, and vulnerable households in genuine need.
Client benefitA dignified safety net with zero cost to the most vulnerable.
ExampleA returnee household borrows a small amount to restart a micro-business, repaying only the principal.

Ready to grow with ethical finance?

Whether you are seeking financing, training, or a partnership, our team is ready to help you take the next step.

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