SHARIA-COMPLIANT FINANCIAL LEASE
Ethical and Flexible Asset Financing
- Compliant with Islamic finance principles
- No interest-based transactions
- Transparent agreements ensuring fairness
Why Choose a Sharia-Compliant Lease?
A Sharia-compliant financial lease offers businesses an ethical financing solution, ensuring asset accessibility without violating Islamic financial principles.
Ijara (Leasing)
The asset is leased to the client for a fixed term with agreed-upon payments while ownership remains with the financier.
Ijara wa Iqtina (Lease-to-Own)
The client leases the asset with the option to purchase it at the end of the contract, ensuring full compliance with Islamic finance principles.
Sharia-Compliant Leasing Options
Choose the ethical financial strategy that aligns with your business goals.
Ijara (Leasing)
Use an asset for a fixed period without ownership, ensuring compliance with Islamic financing norms.
Ijara wa Iqtina (Lease-to-Own)
Secure an asset through leasing with a structured path to ownership.
What is a Sharia-Compliant Lease?
A Sharia-compliant lease provides ethical financing alternatives, ensuring fairness and adherence to Islamic finance principles.
Discover how ethical leasing solutions can benefit your business.
Key Benefits
- Ethical financing aligned with Islamic principles.
- Transparent agreements ensuring fairness.
- Flexible terms tailored to business needs.
How It Works
- Select the asset and financing model that aligns with your values.
- Sign a lease agreement ensuring compliance with Sharia law.
- Utilize the asset with structured payments.
- Purchase the asset at the end of the lease term (if applicable).
Comparison: Ijara vs. Ijara wa Iqtina
| Feature | Ijara (Leasing) | Ijara wa Iqtina (Lease-to-Own) |
|---|---|---|
| Ownership | Asset remains under financier's ownership | Client gains ownership at the end of the lease |
| Payment Structure | Fixed lease payments for usage | Lease payments with a final purchase option |
| Flexibility | Ideal for businesses needing asset access | Structured path to ownership |
| Compliance | Fully Sharia-compliant | Structured for ethical ownership transition |
Comparison: Sharia-Compliant vs. Conventional Financial Lease
| Feature | Sharia-Compliant Financial Lease | Conventional Financial Lease |
|---|---|---|
| Interest | No interest-based transactions | Interest-based financing model |
| Ownership | Asset remains with financier until purchase | Ownership can be transferred gradually |
| Payment Structure | Lease payments without interest | Lease payments including interest |
| Compliance | Aligned with Islamic finance principles | Based on conventional banking norms |
| Flexibility | Structured to ensure ethical financing | Structured for maximizing financial returns |
