Shariah-Compliant Funding for Digital Businesses
Many tech founders assume Islamic-compliant finance is just for asset-heavy firms, but structures like Murabaha and Mudaraba can work for SaaS, e-commerce, and marketplaces.
Two Popular Structures
| Feature | Murabaha “Cost-Plus” | Mudaraba Revenue-Share |
|---|---|---|
| Pricing | Fixed mark-up disclosed | Variable share of revenue |
| Repayment style | Instalments | % of monthly income |
| Ideal use case | One-off dev project | Ongoing subscription revenue |
Checklist for Compliance
- Obtain a fatwa letter from a qualified Shariah board.
- Ensure late-payment penalties go to charity.
- Tie funding to real economic activity (e.g., software licences delivered).
Keywords: Shariah-compliant finance, Islamic fintech UAE, Murabaha SaaS, Mudaraba revenue share
Hashtags: #KlubAI #IslamicFinance #HalalFunding #TechStartups #UAEBusiness
Disclaimer: Always seek guidance from licensed Shariah scholars for formal rulings.
