Profit and Risk Sharing with El Moudaraba Investment
At Algerian Union Bank, we offer El Moudaraba, a participatory investment structured as a partnership where you provide the capital and the bank, as the specialist, provides its expertise and labor. Together, we share profits according to a predefined agreement, in compliance with Islamic finance principles.
Why Choose El Moudaraba?
- Access to Profitable Investment: Invest funds for your goals without interest, in accordance with Islamic principles.
- Profit and Risk Sharing Partnership: Benefit from a partnership where profits and risks are shared equitably between the bank and yourself.
- Investment Support Respecting Islamic Principles: Receive competent operational support while respecting Islamic values, promoting ethical economic development.
Respect of Islamic Principles
El Moudaraba financing strictly complies with Sharia principles. Profits are shared equitably according to a predefined ratio, and losses are borne by the client, except in cases of bank negligence. This flexible model adapts to investment needs. To be eligible, the investment must demonstrate its viability and compliance with Islamic principles.
"The El Moudaraba product from Algerian Union Bank allowed me to invest my money with complete peace of mind. The bank was a true partner, sharing profits and risks, and reassured me by respecting Sharia values".
How Does El Moudaraba Work?
The client must first submit an El Moudaraba investment application. Algerian Union Bank evaluates the request to ensure compliance with Sharia principles and analyzes financial viability. Once these steps are completed, the bank and entrepreneur agree on the profit-sharing ratio and sign a Moudaraba contract, formalizing the partnership.