Shariah-Compliant Funding for Digital Businesses

Many tech founders assume Islamic-compliant finance is just for asset-heavy firms, but structures like Murabaha and Mudaraba can work for SaaS, e-commerce, and marketplaces.

Two Popular Structures

Feature	Murabaha “Cost-Plus”	Mudaraba Revenue-Share
Pricing	Fixed mark-up disclosed	Variable share of revenue
Repayment style	Instalments	% of monthly income
Ideal use case	One-off dev project	Ongoing subscription revenue

Checklist for Compliance

• Obtain a fatwa letter from a qualified Shariah board.
• Ensure late-payment penalties go to charity.
• Tie funding to real economic activity (e.g., software licences delivered).

Keywords: Shariah-compliant finance, Islamic fintech UAE, Murabaha SaaS, Mudaraba revenue share
Hashtags: #KlubAI #IslamicFinance #HalalFunding #TechStartups #UAEBusiness

Disclaimer: Always seek guidance from licensed Shariah scholars for formal rulings.