Empowering Farmers and Small Businesses Through Shariah-Based Finance

IFIC Bai Murabaha Shohoj Biniyog is designed to support farmers, entrepreneurs, and micro-businesses with Shariah-compliant financing solutions that promote growth and sustainability.

Based on the Murabaha (cost-plus sale) model, IFIC Bank purchases goods or inputs and sells them to clients at a disclosed profit payable over time.

Finance Amount

• For Income-Generating Activities: BDT 5,000 – 5,00,000
• For Personal Need: Up to BDT 1,00,000

Tenure

• Minimum: 1 year
• Maximum: 5 years

Features

• Suitable for agriculture, CMSME, and retail sectors
• The Bank ensures ownership before sale
• Security deposit (Hamish Jiddiya) may apply
• Fixed, disclosed profit (no interest)
• Bank bears risk until goods are delivered

Eligibility

Agriculture Finance:

• Resident farmers or agricultural enterprises
• Must hold an Islamic account with IFIC Bank
• Resident in the local area for at least 1 year

CMSME Finance:

• Micro, small, or medium enterprises with a valid trade license
• Entrepreneurs (including women and low-income individuals)
• At least 1 year in current business/activity

Retail (Personal Income Activity):

• Low-income individuals or small earners engaged in income-generating work
• Resident in the local area for at least 1 year

Why Choose Bai Murabaha Shohoj Biniyog

• Supports rural and small-scale entrepreneurship
• Shariah-compliant, transparent, and ethical
• Encourages inclusive growth across Bangladesh

Apply Today

Empower your business or farm through ethical Islamic financing.
Visit your nearest IFIC Bank branch or uposhakha to apply.