Welcome to First Habib Modaraba

 (An Islamic Financial Institution)

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Certificate of Investment (Musharakah based)

It is on the basis of this expertise and know-how that FHM presents a prime investment opportunity in the form of Certificate of Investment
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Diminishing Musharaka

In Arabic it is called Shirkat-ul-Mutanaqisa. Diminishing Musharaka is just a Musharaka with an additional feature of decreasing ownership of one party.
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Istisna

Istisna’a is a sale contract between the FHM as Al-Sani (the seller) and the customer as Al-Mustasni (the ultimate purchaser) whereby the FHM.
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Murabaha

Murabaha is a non-participatory mode of Islamic financing where the FHM sells the asset required by its client to the client on cost-plus profit basis.
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Salam

A Salam, (sometimes referred to as Salaf) is a short-term agreement in which a financial institution makes full prepayments for future delivery of a specified quantity of goods on a specified date.
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SIRAT Auto Financing

The steady rise in the cost of vehicles has made buying the car of your choice a difficult reality.
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