Halal Investment & Partnership
Ruhama Group offers Shariah-compliant investment opportunities that allow individuals to grow their wealth while staying true to Islamic principles.
Through Bai Muajjal and Musharaka schemes, investors can partner with us in construction, agriculture, and trading ventures with full transparency.
Investment at a glance
- 100% Shariah-compliant investment schemes
- Transparent profit and loss sharing
- Direct involvement in real, productive businesses
Investment Schemes
Bai Muajjal
- Investment range
- BDT 100,000 – 1,000,000
- Expected return
- 12% – 15% per annum (indicative)
- Duration
- 6 – 12 months
- Profit sharing
- Fixed markup agreed at contract signing
- Loss sharing
- Not applicable (deferred sale contract)
Bai Muajjal is a deferred payment sale where Ruhama Group purchases goods on behalf of the investor and sells them at an agreed markup, payable in installments.
Musharaka
- Investment range
- BDT 500,000 – 5,000,000
- Expected return
- Variable, based on business performance
- Duration
- 12 – 36 months
- Profit sharing
- Pre-agreed ratio, e.g. 60:40
- Loss sharing
- Proportional to capital contribution
Musharaka is a joint venture partnership where the investor and Ruhama Group share capital, profits, and losses according to a pre-agreed ratio.
Investor Rights
- Right to receive periodic financial statements
- Right to a clear, written partnership agreement
Investor Duties
- Provide agreed capital on schedule
- Communicate any changes in contact information promptly
We invite you to partner with Ruhama Group on a journey of ethical wealth creation. Contact our investment team to get started today.
Apply for investment
Fill in the form below and our team will get in touch with you.