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Sahl Murabahah Financing Contract

Financing based on the "Murabahah" contract is short-term financing for commercial purposes granted by the Bank (KCB Bank Burundi Sahl Banking) to natural persons, companies, associations or institutions.

Murabahah is an Arabic word that defines a transaction of sale of a tangible good between a seller and a buyer with a price plus a clearly and explicitly determined margin. The profit (profit margin) and the repayment period (installments in general) are specified.

Sahl Commodity Murabahah or Tawaruuq Contract

Commodity Murabahah or Tawarruq contract financing is a financing method specifically designed to meet liquidity needs to meet various commitments; This may be for clients who fundamentally need liquidity as a means of financing and cannot be financed under any other mode of financing that is Shariah compliant. Commodity Murabaha is also known as Tawarruq Financing Mode.

Sahl Degressive Partnership Contract

The word Musharakah is derived from the Arabic word Sharikah which means partnership.

Financing based on the "Musharakah" contract is a method of financing that conforms to the shariah in the form of a partnership between the bank and its client by which each party contributes to the capital of the partnership with equal or variable shares either to establish a new project or to share an existing project.

Financing based on the "Declining Sliding Scale" contract with Sahl Banking is used to finance real estate, construction of houses or commercial buildings, purchase of plots, etc.

Sahl Rental Ijarah Services or Services Contract

Financing based on the "Ijarah Service" contract is a financing method for loans for commercial purposes granted to existing and potential customers of KCB Bank Burundi Sahl Banking, such as employee salary payments, bill payments, customs fee payments, etc.

The underlying structure of the shariah for this product is Ijarah (leasing) with deferred payment.

Ijarah refers to "the rental of a good or service for an agreed period in exchange for an agreed consideration" charged in terms of fees or rents. The Ijarah contract is applicable to "usufructs" as well as "services".