Sharia-compliant investments are now online: open a “Mudaraba” deposit directly in the MIslamic mobile banking app
When investing their funds, every Muslim values not only growing their wealth, but also being confident that every som works in a correct and permissible way. Today, this path has become even easier: the Mudaraba deposit can now be opened online — directly in the MIslamic mobile banking app.
The online Mudaraba deposit is an important step in the development of Islamic finance in Kyrgyzstan, combining modern technology with the principles of Sharia.
What is Mudaraba?
Mudaraba is a form of Sharia-compliant investment in which the client and the bank act as partners. The client provides the capital, while the bank invests it in real projects permitted under Sharia. The profit earned is distributed fairly between the parties in accordance with agreed terms.
Funds under the Mudaraba deposit are directed to financing such projects as:
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Murabaha (sale of goods with deferred payment);
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Ijara (leasing);
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Istisna (manufacturing or construction on order).
All investment directions are subject to strict Sharia supervision.
How to open a Mudaraba deposit online in MIslamic
Opening a deposit is simple and takes just one minute:
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Open the MBANK app.
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On the main screen, tap “Switch to MIslamic”.
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On the MIslamic home screen, select “Mudaraba”.
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Choose the product that suits you:
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Fixed-term deposit from 3 to 36 months with an expected return of up to 15.50% per annum;
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Savings deposit for 12 months with an expected return of up to 14.55% per annum.
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Enter the required details: branch, currency, deposit amount, debit account, and deposit term; confirm the offer and tariff conditions.
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Tap “Open Deposit”.
Everything you need is now at your fingertips — no need to visit a bank branch.
Finance with intention and trust
Mudaraba in MIslamic is a harmony of faith and modern solutions. Your funds are invested in real projects within the bank’s Islamic window, support community development, and generate income that is distributed fairly among all participants.
MIslamic — the first Islamic digital bank.
License of the National Bank of the Kyrgyz Republic No. 014/1