Murabaha Financing:

A contract of sale between a customer and DIBL under which DIBL first purchases the goods (permissible under Shari'ah) at the request of the customer and then sells these goods to the same customer after adding profit. The Murabaha Sale Price includes all acquisition costs borne by DIBL and a mutually agreed profit.
 

After purchase of goods the risk of the goods is borne by DIBL until the ownership of the goods is transferred to the customer by way of offer and acceptance. At the same time, specification of the goods, delivery, place and other terms of the contract are ensured.

DIBL's Murabaha Financing is available for local and foreign purchases of:

• Raw Materials
• Commodities
• Equipments/ Machinery
• Other tangible assets
 

Working Capital Finance Against Local Manufactured Goods:

First time in Pakistan DIBL made the “locally saleable fresh finished goods” (produced by a manufacturer) as basis to provide finance to that manufacturer.

Now the manufacturing concerns can avail working capital finance on goods manufactured for domestic market.

The manufacturing concern thus now can enjoy the working capital facility equivalent to the agreed value of their finished goods.

The tenor is made as suitable as the manufacturing concerns are able to manage their cash operating cycle days.

Working Capital Finance Against Exportable Manufactured Goods:

First time in Pakistan DIBL made the “exportable fresh finished goods” (produced by an exporter of Pakistan) as basis to provide finance to that manufacturer.

Now the exporters can avail working capital finance on goods manufactured for export to international/foreign market.

The foreign currency value of “exportable fresh finished goods” are agreed upon between DIBL and exporters to provide the best advantages of the local currency value to the exporters keeping in view the FOREX conversion rate.

The tenor is made as suitable as the exporters are able to manage their cash operating cycle days.

Diminishing Musharakah:

Diminishing Musharakah is a Shirkah (partnership) based transaction through which DIBL and its customer contribute their equity at an agreed ratio for the purchase of machinery and other tangible assets.

This facility provides finance for:
• Meeting capital expenditure requirements of construction and manufacturing industries
• Housing finance for salaried, self-employed and business people
 

Ijarah Finance (Leasing):

Ijarah is an Islamic mode of leasing and can be used for assets that are not consumed while they are in use, for instance, it can be a house, car or any other tangible asset. During the tenure of Ijarah financing the asset given by the bank remains in DIBL’s ownership and all risks are borne by the Bank.

It includes financing for:
• Procurement of Machinery and Equipment for new projects as well as BMR and expansion requirements
• Car ijarah for salaried, self-employed and business people
 

Islamic Export Refinance Scheme:

Islamic Export Refinance Scheme is a Shari'ah Compliant alternative solution to the conventional Export Refinance Scheme, The aim of this facility is to provide finance to exporters at concessional rates.