From application to final installment — the complete Murabaha lifecycle, Shariah-first.

Most banks run SME financing on spreadsheets and paper files. Approvals stall, contracts drift from Shariah requirements, collateral records live in drawers, and arrears are discovered months late.

• Customer onboarding & KYC intake
• Financing application & credit assessment
• Shariah-compliant contract generation (Murabaha)
• Multi-level approval workflows
• Disbursement & installment schedules
• Collateral registration & monitoring
• Arrears detection & follow-up queues
• Portfolio dashboards & reports

1. 01

   Application

   The customer applies; onboarding and KYC intake begin.

2. 02

   Assessment

   Credit assessment runs against your bank's policies.

3. 03

   Approval

   A multi-level approval workflow routes the request to the right authorities.

4. 04

   Contract

   The AAOIFI SS-8 sequence: the bank acquires the asset, then sells it at a disclosed cost plus profit.

5. 05

   Disbursement

   The asset is released and the installment schedule is generated.

6. 06

   Installments

   Scheduled repayments are tracked through to completion.

7. 07

   Closure or arrears

   The financing closes on completion, or enters the arrears follow-up path.

• Core banking
• Mobile money payout & collection
• Credit reference (where available)

Product parameters, profit calculation method, approval hierarchy, document templates, and report formats are configured to your policies during implementation.

Modifications aren't a risk to your timeline; they're part of our delivery plan.