Penjamin tidak diperlukan tiada kadar keuntungan

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- Penjamin tidak diperlukan - Tiada kadar keuntungan - Tiada bayaran proses - Tiada cagaran Caj dikenakan Duti Setem – RM5.00 setiap RM 1000.00 atau Sebahagian daripadanya Takaful – Ditolah daripada jumlah pembiayaan Yang diluluskan Kadar Keuntungan 11% setahun Konsep Pembiayaan Musharakah Mutanaqisah
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QARD HASAN
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Pembiayaan Pembangunan Luar Bandar-i Jumlah Pembiayaan Antara RM20,000.00 hingga RM500,000.00 Tempoh Pembiayaan < 250,000.00 Max 5 > 250,000.00 Max 7 Ciri Produk - Penjamin tidak diperlukan - Tiada kadar keuntungan - Tiada bayaran proses - Tiada cagaran Caj dikenakan (Ta’ widh) 1 % setahun Yuran Perkhidmatan 5% setahun Konsep Pembiayaan Qard
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Konsep-Konsep Lain TA’WIDH GHARAMAH UJRAH IBRA’
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Definisi RIBA Definisi Dari Sudut Bahasa Definisi Dari Sudut Istilah Syarak Hikmah Disebalik Pengharaman Riba
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ISU-ISU YANG TIMBUL CABARAN YANG DIHADAPI OLEH INSTITUSI KEWANGAN YANG MENAWARKAN PEMBIAYAAN MIKRO ISLAM - Islam amat mementingkan kesejahteraan umat dan memerangi segala bentuk sistem atau struktur berteraskan riba yang memudaratkan kehidupan manusia. Ibn Qayyim melarang amalan semua jenis riba kerana is boleh memberi kesan buruk kepada masyarakat dan menghilangkan perasaan ihsan dan semangat tolong menolong. Sebaliknya ia boleh menimbulkan permusuhan antara individu.
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