{"id":7759,"date":"2023-05-22T00:55:50","date_gmt":"2023-05-22T00:55:50","guid":{"rendered":"https:\/\/hafidoune-academy.com\/fi-en\/?page_id=7759"},"modified":"2025-02-27T09:45:19","modified_gmt":"2025-02-27T09:45:19","slug":"mourabaha-exploitation","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/finance-islamique\/en\/mourabaha-exploitation\/","title":{"rendered":"mourabaha exploitation"},"content":{"rendered":"\t\t
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\r\n MOURABAHA EXPLOITAION<\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What is it<\/strong>\u00a0?<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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The MOURABAHA Exploitation is intended for short-term financing of companies and professionals, to meet the need for cash through the acquisition by the bank of the raw material or goods with a view to reselling them to the customer at a cost price increased by a profit margin known and agreed \u00a0in advance with the customer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Category \u00a0concerned :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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<\/i><\/div>\r\n \t
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\r\n\t \t\tCompany (natural and legal person);\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tProfessional.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Related products:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\r\n\t \t\tCurrent account. ;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Processing time\u00a0:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\r\n\t \t\tFrom 05 to 10 days, depending on the delegation of financing powers.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n
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Fuding Projects:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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<\/i><\/div>\r\n \t
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\r\n\t \t\tAquisition of raw materials, goods or stock to sell.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Profit margin:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\r\n\t \t\tThe rate of profit applicable to Murabaha Exploitation is 7.50%.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Period:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\r\n\t \t\tThe validity period of a Murabaha Exploitation line is 12 months.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\r\n FAQ<\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\r\n What is Murabaha Operating\/Enterprise Financing?<\/a>\r\n <\/div>\r\n
Murabaha Exploitation is an agreement under which the bank sells to a customer assets within the framework of the exploitation cycle, owned by the bank, at the cost of its acquisition, increased by a profit margin agreed in advance, and according to terms of payment agreed between the two parties.
\nMurabaha exploitation transactions are concluded on the basis of a framework agreement signed beforehand between the bank and the client, defining the general terms and conditions for the conduct of these transactions.
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\r\n What is the repayment period for Murabaha Exploitation\/Companies financing?<\/a>\r\n <\/div>\r\n
The duration of the operating murabaha financing line is 12 months.
\nThe customer must repay the amount used within 03 months plus the margin.
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\r\n What are the pricing conditions applied in Murabaha Exploitation\/Companies?<\/a>\r\n <\/div>\r\n
1.\tProfit rate: 7.50%
\n2.\tFile management fees: 0.00 DZD
\n3.\tNotification fees: 0.00 DZD
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\r\n What is the amount of the installment payment granted for Murabaha Exploitation\/Enterprises?<\/a>\r\n <\/div>\r\n
The amount of the installment payment is determined according to the needs of the company, its debt capacity and especially its commercial performance. It is determined on the basis of a presentation of an annual cash flow statement showing monthly needs. <\/div>\r\n <\/div>\r\n
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\r\n What are the guarantees that I could offer to the bank within the framework of Murabaha Exploitation?<\/a>\r\n <\/div>\r\n
The guarantees relating to Murabaha Exploitation which you can present to the bank are:
\n1.\tMortgage of real estate.
\n2.\tThe joint surety of the partners;
\n3.\tThe surety of a solvent third party;
\n4.\tPledge of public contracts;
\n5.\tInsurance (pending the launch of the Takaful product).
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\r\n What are the documents to be provided to obtain Murabaha of Exploitation\/Companies?<\/a>\r\n <\/div>\r\n
The administrative and legal documents, below:
\n1.\tApplication for financing duly signed and stamped by the person authorized to contract financing in the company;
\n2.\tMinutes of the AGEX authorizing the manager to contract bank financing and alienate the company's assets if this provision is not mentioned in the company's articles of association;
\n3.\tCertified copy of the articles of association;
\n4.\tCertified copy of the trade register;
\n5.\tCertified copy of the official bulletin of legal announcements (BOAL);
\n6.\tCertificate of deposit of corporate accounts;
\n7.\tCertified true copy of the title deed or lease of the premises for professional use (Deed of ownership, deed of sale, land booklet or other).
\nThe accounting and financial documents, below:
\n1.\tCopy of the last three financial statements and annexes duly stamped by the tax administration (The tax stamp must appear on all the pages constituting the balance sheet);
\n2.\tAn accounting statement duly sealed by the auditor;
\n3.\tThe auditor's report for the last financial year of capital companies (SARL, SPA);
\n4.\tAn opening balance sheet for start-ups;
\n5.\tOperating financing plan spread out by quarter for the financial year to be financed;
\n6.\tStatements of customer receivables detailed by age;
\n7.\tRecent status of receivables;
\n8.\tImport license for Import\/Export companies;
\n9.\tCertificate of professional qualification for construction companies ;
\n10.\tThe workload schedule for BTPH companies duly signed and stamped by the customer (The load plan must be accompanied by the following documents:
\n- A fact sheet per market;
\n- Market ODS;
\n- Situation of recent work not yet cashed;
\n- Copy of contracts (Agreement+ Amendments).
\n11.\tForm \"Authorization to consult the central risk office duly signed by the manager or the legal representative of the company\"\u00bb.
\nThe fiscal and parafiscal documents, below:
\n1.\tRecent tax and parafiscal documents in less than three months (Excerpt from rolls\/CNAS\/CASNOS\/CACOBATPH);
\n2.\tCertified copy of tax registration card.
\n<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n \t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

MOURABAHA EXPLOITAION What is it\u00a0? The MOURABAHA Exploitation is intended for short-term financing of companies and professionals, to meet the need for cash through the acquisition by the bank of the raw material or goods with a view to reselling them to the customer at a cost price increased by a profit margin known and agreed \u00a0in advance with the customer. Category \u00a0concerned : Company (natural and legal person); Professional. Related products: Current account. ; Processing time\u00a0: From 05 to 10 days, depending on the delegation of financing powers. Fuding Projects: Aquisition of raw materials, goods or stock to sell. Profit margin: The rate of profit applicable to Murabaha Exploitation is 7.50%. Period: The validity period of a Murabaha Exploitation line is 12 months. FAQ What is Murabaha Operating\/Enterprise Financing? Murabaha Exploitation is an agreement under which the bank sells to a customer assets within the framework of the exploitation cycle, owned by the bank, at the cost of its acquisition, increased by a profit margin agreed in advance, and according to terms of payment agreed between the two parties. Murabaha exploitation transactions are concluded on the basis of a framework agreement signed beforehand between the bank and the client, defining the general terms and conditions for the conduct of these transactions. What is the repayment period for Murabaha Exploitation\/Companies financing? The duration of the operating murabaha financing line is 12 months. The customer must repay the amount used within 03 months plus the margin. What are the pricing conditions applied in Murabaha Exploitation\/Companies? 1. Profit rate: 7.50% 2. File management fees: 0.00 DZD 3. Notification fees: 0.00 DZD What is the amount of the installment payment granted for Murabaha Exploitation\/Enterprises? The amount of the installment payment is determined according to the needs of the company, its debt capacity and especially its commercial performance. It is determined on the basis of a presentation of an annual cash flow statement showing monthly needs. What are the guarantees that I could offer to the bank within the framework of Murabaha Exploitation? The guarantees relating to Murabaha Exploitation which you can present to the bank are: 1. Mortgage of real estate. 2. The joint surety of the partners; 3. The surety of a solvent third party; 4. Pledge of public contracts; 5. Insurance (pending the launch of the Takaful product). What are the documents to be provided to obtain Murabaha of Exploitation\/Companies? The administrative and legal documents, below: 1. Application for financing duly signed and stamped by the person authorized to contract financing in the company; 2. Minutes of the AGEX authorizing the manager to contract bank financing and alienate the company’s assets if this provision is not mentioned in the company’s articles of association; 3. Certified copy of the articles of association; 4. Certified copy of the trade register; 5. Certified copy of the official bulletin of legal announcements (BOAL); 6. Certificate of deposit of corporate accounts; 7. Certified true copy of the title deed or lease of the premises for professional use (Deed of ownership, deed of sale, land booklet or other). The accounting and financial documents, below: 1. Copy of the last three financial statements and annexes duly stamped by the tax administration (The tax stamp must appear on all the pages constituting the balance sheet); 2. An accounting statement duly sealed by the auditor; 3. The auditor’s report for the last financial year of capital companies (SARL, SPA); 4. An opening balance sheet for start-ups; 5. Operating financing plan spread out by quarter for the financial year to be financed; 6. Statements of customer receivables detailed by age; 7. Recent status of receivables; 8. Import license for Import\/Export companies; 9. Certificate of professional qualification for construction companies ; 10. The workload schedule for BTPH companies duly signed and stamped by the customer (The load plan must be accompanied by the following documents: – A fact sheet per market; – Market ODS; – Situation of recent work not yet cashed; – Copy of contracts (Agreement+ Amendments). 11. Form “Authorization to consult the central risk office duly signed by the manager or the legal representative of the company”\u00bb. The fiscal and parafiscal documents, below: 1. Recent tax and parafiscal documents in less than three months (Excerpt from rolls\/CNAS\/CASNOS\/CACOBATPH); 2. Certified copy of tax registration card.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-7759","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/7759","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/comments?post=7759"}],"version-history":[{"count":0,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/7759\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/media?parent=7759"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}