Mudarabah: Sharia-Compliant Investments with Record Returns — Up to 16%

Honest Finance — Mudarabah’s Core Mission
Today, as traditional financial instruments face ethical scrutiny, choosing a financial product that fully complies with Sharia principles has become essential for anyone seeking prosperity.

MIslamic offers a solution: Mudarabah — a deposit that not only fully adheres to Sharia but also offers returns of up to 15.5%. Moreover, from November 24 to December 30, 2025 (inclusive), the 9-month deposit yield is increased to 16%. This makes our product the most competitive in the Sharia-compliant finance market, proving that faith and profit can go hand in hand.

What is Mudarabah? Partnership, Not Debt

Unlike traditional deposits, where the Bank and the Client are linked as lender and borrower (Riba/Interest), Mudarabah is based on an investment partnership contract between two parties:

• Rabb-ul-Mal (Client): You, providing the capital.

• Mudarib (Bank - MIslamic): Us, managing the capital.

• Contract: Investment in real business

Funds placed under a Mudarabah agreement are not used for lending. Instead, they are directed to finance economic sectors — businesses and the purchase of goods.

Important fact: Investments and purchased goods are fully Sharia-compliant. We avoid financing sectors prohibited in Islam (e.g., gambling or alcohol production).

The Bank independently selects the most profitable and Sharia-compliant sectors to invest your funds, maximizing potential returns.

Profit Sharing and Fair Risk

• Profit: If MIslamic earns profit from investing your funds, it is shared between you and the Bank in pre-agreed proportions.

• Loss: If losses occur not due to the Bank’s fault, the Client bears the loss proportionally to their investment. The Bank does not receive compensation for its management. This principle of shared risk and profit (مُشَارَكَة فِي الرِّبْحِ وَ الْخَسَارَة) is the foundation of Islamic banking.

Stability Protection: To maintain a certain level of returns, we establish a Profit Equalization Reserve (PER). These are funds the Bank allocates from its share of net profit to mitigate potential investment losses for clients in the future.

Feature: Returns Up to 16%

We announce: our Mudarabah deposit offers returns of up to 15.5%, and from November 24 to December 30, 2025 (inclusive), the 9-month deposit yield is increased to 16%. This record figure reflects the Bank’s successful investment activity, fully compliant with Sharia principles.

Key Terms of the “Unlimited Term” Mudarabah Deposit

For individuals, this deposit is available with a minimum amount of 1,000 KGS / 50 USD for terms from 3 to 36 months. Profit is paid monthly to your demand card account. Please note: the Mudarabah account is not intended for transactions and does not allow partial withdrawals or additional deposits to the principal. In case of early termination, the Bank deducts previously paid profits from the principal.

Additional deposits are available via the Mudarabah Accumulative account.

Mudarabah Soon on Your Smartphone via the MIslamic App

The Mudarabah product is already available for offline opening at all MIslamic branches. We are working to make it possible to open Mudarabah online, directly through the MIslamic app.

Grow your funds in accordance with Sharia principles with MIslamic.

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