Commodity Murabaha

Cost-Plus Financing

Q: What is Commodity Murabaha?

Commodity Murabaha is a Shariah-compliant financing model where Amal Takaful purchases commodities at market price and sells them to you at a cost-plus profit on deferred payment terms. You then sell the commodities in the market to generate cash, giving you immediate liquidity without interest.

Q: How is this different from a normal loan?

A normal loan charges interest (Riba), which is not Shariah-compliant.Commodity Murabaha is based on real trade in commodities, with a fixed profit agreed upfront.You know exactly how much you will repay — no compounding interest, no hidden charges.

Q: Who is Commodity Murabaha for?

Business owners who need working capitalTraders covering short-term supply gapsFamilies with urgent financial needs like school fees or medical costsEntrepreneurs seeking fast, halal funding for cash flow

Q: How do repayments work?

Repayments are made in fixed installments via mobile money or bank transfer.The profit margin is agreed upfront, so you know exactly what you’ll pay.

Sometimes you need quick cash for personal or business needs. This product offers a powerful, Shariah-compliant way to secure that funding.

Quick Access to Cash

Funds made available fast through halal trade

Fixed Profit

Hedge against future price swings

Shariah-Compliant

100% halal, reviewed by Islamic scholars

What Is Commodity Murabaha?

Commodity Murabaha is a Shariah-compliant financing model where:

Amal Takaful buys commodities (such as metals, grains, or other tradable goods) from a supplier at market price.
We sell the commodities to you at a cost-plus agreed profit on deferred payment terms.
You can then sell the commodities immediately in the market to generate cash.

This way, you access funding in cash, without any interest or haram elements — only real trade.

Example:

You need TZS 2,000,000 for business expenses.

Amal Takaful buys commodities worth TZS 2,000,000 from a supplier.

We sell them to you at TZS 2,200,000, payable in 6 monthly installments.

You immediately sell the commodities in the market for TZS 2,000,000 cash.

You now have the money you needed — and repay Amal Takaful in small, fixed payments.

You get cash/commodities immediately.

You know the exact repayment upfront.

The whole process is Shariah-compliant.

Key Features:

Get immediate liquidity through real trade in commodities, not interest-based lending.
Repay the exact agreed cost-plus amount, with no hidden charges or fluctuating rates.
Every deal is tied to real commodities, ensuring transparency and Shariah compliance.
Structured around ethical buying and selling, approved by qualified Islamic finance scholars.
Easy installment options via mobile wallet or bank transfer, tailored to your cash flow.

How It Works

You Apply

Request the amount of funding you need for personal or business use.

We Buy Commodities

Amal Takaful purchases specified commodities from a supplier.

We Sell to You

You buy the commodities from us on deferred payment terms (cost + fixed profit).

You Sell the Commodities

You immediately sell them in the market, and receive cash in hand.

You Repay Over Time

Repay Amal Takaful in agreed installments, with no interest — just the fixed profit.

Who Can Apply?

What You’ll Need to Apply

Get Ethical Cash Flow Today

Whether it’s for your business or personal needs, Commodity Murabaha gives you fast access to cash in a transparent, halal way.

Frequently Asked Questions (FAQ)

What is Commodity Murabaha?

Commodity Murabaha is a Shariah-compliant financing model where Amal Takaful purchases commodities at market price and sells them to you at a cost-plus profit on deferred payment terms. You then sell the commodities in the market to generate cash, giving you immediate liquidity without interest.

How is this different from a normal loan?

A normal loan charges interest (Riba), which is not Shariah-compliant.
Commodity Murabaha is based on real trade in commodities, with a fixed profit agreed upfront.
You know exactly how much you will repay — no compounding interest, no hidden charges.

Who is Commodity Murabaha for?

Business owners who need working capital
Traders covering short-term supply gaps
Families with urgent financial needs like school fees or medical costs
Entrepreneurs seeking fast, halal funding for cash flow

How do repayments work?

Repayments are made in fixed installments via mobile money or bank transfer.
The profit margin is agreed upfront, so you know exactly what you’ll pay.

Commodity Murabaha

Apply Now in 3 Easy Ways. Choose the method that works best for you: