{"id":7764,"date":"2023-05-22T01:02:52","date_gmt":"2023-05-22T01:02:52","guid":{"rendered":"https:\/\/hafidoune-academy.com\/fi-en\/?page_id=7764"},"modified":"2025-02-27T09:54:50","modified_gmt":"2025-02-27T09:54:50","slug":"mourabaha-investissement","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/finance-islamique\/en\/mourabaha-investissement\/","title":{"rendered":"mourabaha investissement"},"content":{"rendered":"\t\t
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\r\n MOURABAHA INVESTMENT<\/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 Investissement is a medium and long-term financing intended for companies and professionals for the creation, extension or renewal of the investment, and this through the acquisition of materials, equipment and other means of production in with a view to reselling them to the customer at a cost price increased by a profit margin known and agreed in advance.<\/p>

The Mourabaha investment operation is carried out within the framework of a line of financing granted beforehand by the bank.<\/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 (any natural or legal person);\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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Funded amount :<\/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\tFinancing of the development of the means of production (Creation, extension or renewal).\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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<\/i><\/div>\r\n \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 <\/div>\n <\/div>\n
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Validity of the financing line:<\/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 financing line is one (01) year.\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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The profit rate applicable to the Mourabaha Investment formula is :<\/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\t5.25% for medium-term financing;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\t5.50% for long-term financing.\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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Amount of \u00a0mourabaha investment :<\/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\tThe amount depends on the cost of the investment, the borrowing and repayment capacity of the financed company.\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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Reimbursement 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 reimbursement period varies between 02 and 10 years maximum.\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 Mourabaha Investment\/Companies and Professionals?<\/a>\r\n <\/div>\r\n
The Mourabaha investment is a medium-term financing line, intended to finance operations for the acquisition of the means of production in favor of companies and professionals, within the framework of the creation, extension or renewal of the investment. It generally includes:
\n1.\tEquipment and production lines;
\n2.\tTransport equipment.
\nThe bank first buys the equipment and legally owns it, then it re-sells it to the customer for a known and agreed profit margin.
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\n<\/div>\r\n <\/div>\r\n
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\r\n What is the duration of the reimbursement of the Mourabaha Investment\/Companies and Professionals?<\/a>\r\n <\/div>\r\n
The reimbursement period is determined in line with the project or investment being financed.
\n<\/div>\r\n <\/div>\r\n
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\r\n What are the pricing conditions applied in Mourabaha Investment Companies and Professionals? <\/a>\r\n <\/div>\r\n
1.\tProfit Rate:
\n5.25% for medium-term financing;
\n5.50% for long-term financing.
\n2.\tFile management fees: 0.00 DA
\n3.\tNotification fees: 0.00 DA
\n4.\tPenalty on advance payment: 0.00 DA (possibility of discount on the remaining profit in the case of total payment)
\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
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\r\n What is the amount granted for Mourabaha Investment Companies and Professionals?<\/a>\r\n <\/div>\r\n
The amount depends on the cost of the investment, the borrowing and repayment capacity of the financed company, the future income (cash-flows) generated by the investment project.<\/div>\r\n <\/div>\r\n
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\r\n What are the guarantees that I could offer to the bank as part of a Mourabaha Investment \/ Companies and Professionals?<\/a>\r\n <\/div>\r\n
The guarantees relating to Mourabaha Investment \/ Businesses and Professionals, which you can present to the bank are:
\n1.\tMortgage of real estate;
\n2.\tMaterial collateral \u201cif the object is material\u201d;
\n3.\tThe vehicle pledge \u201cif the object is rolling stock\u201d;
\n4.\tThe joint surety of the partners;
\n5.\tThe surety of a solvent third party;
\n6.\tMembership of the institutional guarantee fund (CGCI \u2013 FGAR);
\n7.\tInsurance (pending the launch of Takaful).
\n<\/div>\r\n <\/div>\r\n
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\r\n What are the documents to provide?<\/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 deed or rental 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.\tInvestment financing plan spread out by quarter for the financial year to be financed; Action plan and financing distributed annually throughout the duration of the financing,
\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.\tWorkload plan for BTPH companies duly signed and stamped by the customer (The workload 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 (Contract + 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 (Notice of assessment\/CNAS\/CASNOS\/CACOBATPH);
\n2.\tCertified copy of tax registration card.
\nIn addition to the aforementioned documents, it is necessary to send:
\n1.\tA detailed technical and economic study;
\n2.\tInformation on the manager, CV, qualification and professional experience in the field invested;
\n3.\tRecent pro forma-invoices (Less than three months old);
\n4.\tEach heading included in the client's investment structures must be justified in advance by invoices or estimates;
\n5.\tEstimated and quantitative estimate of the work carried out and remaining to be carried out;
\n6.\tBuilding permit (For activities requiring this document;
\n7.\tApproval and\/or any other document authorizing the client to carry out the planned activity;
\n8.\tANDI Decision (For companies benefiting from the advantages granted by ANDI).
\nWhat are the conditions for granting Mourabaha Investment \/ Companies and Professionals?
\nThe Bank may require any conditions guaranteeing the use of the financing to the strict operating expenses.
\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 INVESTMENT What is it\u00a0? The Mourabaha Investissement is a medium and long-term financing intended for companies and professionals for the creation, extension or renewal of the investment, and this through the acquisition of materials, equipment and other means of production in with a view to reselling them to the customer at a cost price increased by a profit margin known and agreed in advance. The Mourabaha investment operation is carried out within the framework of a line of financing granted beforehand by the bank. Category \u00a0concerned : Company (any natural or legal person); Funded amount : Financing of the development of the means of production (Creation, extension or renewal). Related products: Current account ; Validity of the financing line: The validity period of a financing line is one (01) year. Profit margin: The profit rate applicable to the Mourabaha Investment formula is : 5.25% for medium-term financing; 5.50% for long-term financing. Amount of \u00a0mourabaha investment : The amount depends on the cost of the investment, the borrowing and repayment capacity of the financed company. Reimbursement period: The reimbursement period varies between 02 and 10 years maximum. FAQ What is Mourabaha Investment\/Companies and Professionals? The Mourabaha investment is a medium-term financing line, intended to finance operations for the acquisition of the means of production in favor of companies and professionals, within the framework of the creation, extension or renewal of the investment. It generally includes: 1. Equipment and production lines; 2. Transport equipment. The bank first buys the equipment and legally owns it, then it re-sells it to the customer for a known and agreed profit margin. What is the duration of the reimbursement of the Mourabaha Investment\/Companies and Professionals? The reimbursement period is determined in line with the project or investment being financed. What are the pricing conditions applied in Mourabaha Investment Companies and Professionals? 1. Profit Rate: 5.25% for medium-term financing; 5.50% for long-term financing. 2. File management fees: 0.00 DA 3. Notification fees: 0.00 DA 4. Penalty on advance payment: 0.00 DA (possibility of discount on the remaining profit in the case of total payment) What is the amount granted for Mourabaha Investment Companies and Professionals? The amount depends on the cost of the investment, the borrowing and repayment capacity of the financed company, the future income (cash-flows) generated by the investment project. What are the guarantees that I could offer to the bank as part of a Mourabaha Investment \/ Companies and Professionals? The guarantees relating to Mourabaha Investment \/ Businesses and Professionals, which you can present to the bank are: 1. Mortgage of real estate; 2. Material collateral \u201cif the object is material\u201d; 3. The vehicle pledge \u201cif the object is rolling stock\u201d; 4. The joint surety of the partners; 5. The surety of a solvent third party; 6. Membership of the institutional guarantee fund (CGCI \u2013 FGAR); 7. Insurance (pending the launch of Takaful). What are the documents to provide? 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 deed or rental 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. Investment financing plan spread out by quarter for the financial year to be financed; Action plan and financing distributed annually throughout the duration of the financing, 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. Workload plan for BTPH companies duly signed and stamped by the customer (The workload 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 (Contract + 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 (Notice of assessment\/CNAS\/CASNOS\/CACOBATPH); 2. Certified copy of tax registration card. In addition to the aforementioned documents, it is necessary to send: 1. A detailed technical and economic study; 2. Information on the manager, CV, qualification and professional experience in the field invested; 3. Recent pro forma-invoices (Less than three months old); 4. Each heading included in the client’s investment structures must be justified in advance by invoices or estimates; 5. Estimated and quantitative estimate of the work carried out and remaining to be carried out; 6. Building permit (For activities requiring this document; 7. Approval and\/or any other document authorizing the client to carry out the planned activity; 8. ANDI Decision (For companies benefiting from the advantages granted by ANDI). What are the conditions for granting Mourabaha Investment \/ Companies and Professionals? The Bank may require any conditions guaranteeing the use of the financing to the strict operating expenses.<\/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-7764","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/7764","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=7764"}],"version-history":[{"count":0,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/7764\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/media?parent=7764"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}