Investment deposits
Greetings from Alinma Microfinance Islamic Bank
We are pleased to provide you with details of the Islamic Investment Deposit, a savings and investment product designed to grow your funds in accordance with Islamic Sharia, under the supervision of an approved Sharia board
🏛 Definition of the Investment Deposit
It is an amount deposited with the bank for a specified period, during which the bank invests it in legitimate and carefully selected activities based on the Islamic Mudarabah contract. Profits are then distributed according to the actual investment results and the agreed-upon ratio in the contract
📈 How Returns Are Generated
Funds are invested in a diversified, Sharia-compliant investment portfolio
Professional management following approved investment policies
Profit distribution based on actual investment performance
🔎 Answers to Common Questions
🛡 Safety of Funds
Deposits are managed under internal and external regulatory controls, with full compliance with banking regulations and instructions from relevant authorities, along with continuous Sharia supervision.
📊 Nature of Returns
Returns are linked to actual investment performance. The calculation method and profit distribution ratio are fully clarified in the Islamic Mudarabah contract before signing.
⏳ Deposit Term
The deposit term is one year
🔄 Renewal
At maturity, you may
Withdraw the principal amount along with earned profits
Or renew the deposit for a new term as desired
📝 Early Closure
A request can be submitted according to approved procedures, and the handling of returns will be clearly explained before execution
📑 Contract Transparency
A Sharia-compliant and approved (Islamic Mudarabah) contract
Clear specification of the term and profit-sharing ratio
Full disclosure of all terms and conditions before signing
⚖ Sharia Supervision
The product is supervised by a Sharia board to ensure full compliance with Islamic principles
✔ Benefits of the Investment Deposit
Grow your funds in a Sharia-compliant manner
Full transparency in terms and conditions
Professional investment management
Flexible term options
Investment based on real assets and activities