Halal Financing Solution in Asia
Empowering Your Financial Future
Here, Ikhtiar are committed to empowering individuals and businesses to take control of their financial future. Our comprehensive programs and personalized support aim to equip our clients with the knowledge and resources they need to achieve their financial goals.
Why Ikhtiar?
Ikhtiar is more than just a financing platform — it's your partner in achieving financial stability and growth through ethical, Shariah-compliant solutions.
Whether you're planning for personal goals or growing your business, our services are designed to uphold transparency, fairness, and integrity at every step.
100% Shariah-Compliant & Certified
Simple Online Process with Trusted Providers
Career & Earning Chances Through Partnership
Ethical Financial Solutions
Empowering Financial Freedom the Halal Way
Our Partners
Shariah-Compliant Financing Solutions
At Ikhtiar, we are committed to providing financing solutions that are ethical, transparent, and aligned with Islamic principles. Our Shariah-compliant schemes are designed to support your financial growth—without the burden of interest (riba) or unjust terms.
1. Murabahah
Fixed-Profit Sales Agreement
A cost-plus financing structure where we purchase an asset on your behalf and resell it to you at a pre-agreed
profit margin.
Key Features:
• Transparent pricing: cost + profit clearly stated
• Fixed monthly repayments
• No hidden fees or compounding interest
• Used in property, vehicles, and business asset purchases
Best For:
• Asset purchases, equipment financing, working capital needs
2. Mudarabah
Profit-Sharing Partnership
A trust-based partnership where one party provides capital and the other contributes expertise. Profits are shared, losses are borne by the investor unless due to negligence.
Key Features:
• Profit-sharing based on agreed ratio
• No interest or fixed obligation
• Encourages entrepreneurship and shared success
• Fully risk-sharing
Best For:
• Startups, SME ventures, project-based collaborations
3. Musharakah
Integrated Capital Partnership
A joint investment where both parties contribute capital. Profits and losses are distributed according to investment ratios or mutually agreed terms.
Key Features:
• Equity-based structure
• Suitable for real estate, long-term partnerships
• Includes diminishing Musharakah for home ownership (gradual buy-out)
• Joint management optional
Best For:
• Joint ventures, co-investment in properties or businesses
4. Qard Hasan
Benevolent (Interest-Free) Loan
A charitable loan granted without any profit. The borrower only repays the principal amount. Ikhtiar uses this model to support individuals and entrepreneurs in need.
Key Features:
• No profit, no fees
• Purely social impact driven
• Repayment based on capacity
• Used in zakat-based or micro-financing initiatives
Best For:
• Social impact funds, relief aid, hardship support, micro-entrepreneurs