حاسبة التمويل الإسلامي
Islamic Finance Calculator
Shariah-compliant financing calculations
Murabaha Calculator
محاسبہ مرابحہ
Murabaha (cost-plus financing) is a Shariah-compliant sale where the bank purchases an item and sells it to the customer at a disclosed cost-plus-profit margin. The buyer knows exactly the cost and profit.
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Islamic Ruling
Murabaha is permissible (Halal) according to the consensus of Islamic scholars. The profit margin must be agreed upon at the time of sale, and the seller must own the item before selling it. Delay in payment is allowed.
How It Works
1. Bank purchases the asset
2. Bank sells to customer at cost + agreed profit
3. Customer pays in installments
4. No interest — profit is earned through trade
وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا
— Surah Al-Baqarah 2:275
The Prophet (PBUH) said: 'Allah has permitted trade and has forbidden usury.' (Bukhari 2053)
Islamic vs Conventional Finance
Conventional: Charges interest (Riba) which is Haram. Fixed return regardless of outcome.
Islamic: Based on real asset trade or partnership. Profit from legitimate commerce, not interest.
Risk Sharing: Islamic finance promotes risk-sharing between parties, unlike conventional where borrower bears all risk.
دليل التمويل الإسلامي
Islamic Finance Guide
Understanding halal financing principles
Allah says in the Quran: 'Those who consume interest will stand on the Day of Resurrection like those driven to madness by Satan's touch.' (2:275). Riba exploits the borrower and creates injustice. Islamic finance replaces interest with profit from real trade and shared risk.
وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا
“Allah has permitted trade and has forbidden Riba (interest).”
— Surah Al-Baqarah 2:275