Bayt Mal believes in supporting your business to grow and building active business communities through fair and smart financing solutions that adapt with your needs.

Bayt Mal is a trusted link between TAMWEEL requesters and Investors. We evaluate the fund requests; advice proper and most suitable Islamic financing tool, and facilitate the transactions according to the following MUAMALAT, while keeping the confidentiality protected in each one:

Financial Types

Bai Murabahah

A sale based on the cost price plus profit. The cost price or profit must be known to the buyer. Normal practice price paid in a lump sum.

Ijarah (leasing)

A sale of the use of another’s property. The property rented belongs to the lessor. The lessor has the right to repossess the property on default of the lessee.


It is an order made by the buyer for the Manufacture of merchandise according to specifications. The merchandise does not exist at the time of contract.


Musharakah (joint venture profit sharing) it is a general partnership whereby two or more parties into a contract to exploit their labour and capital jointly and to share the profits and losses of the partnership.


Mudharabah (trustee profit sharing) : It is a contract where the owner of capital entrusts his funds to an entrepreneur who contributes skills in a business and the profits generated is to be shared between them.


It is Islamic bonds, structured in such a way as to generate returns to investors without infringing Islamic law . Sukuk represents undivided shares in the ownership of tangible assets relating to particular projects or special investment activity.

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