ISLAMIC MICROFINANCE
Connecting investors with vetted MSMEs through a compliant, data-driven platform
PRODUCT PORTFOLIO
- Digital onboarding
- Biometric verification
- AI-based credit scoring
PROCESS FLOW
Platform Onboarding
Potential Borrower will onboard on the platform.
KYC/KYB Process
Full KYC/KYB process is initiated through integrated services.
Relationship Manager
Customer will be approached by RM for data gathering.
Documentation
Borrower provides collaterals, guarantors and business information.
Initial Offer
RM drafts offer with product details, finance amount and collaterals.
Offer Acceptance
Borrower accepts; case routes to Risk Rating & Underwriting.
Risk Assessment
Dynamic engine collects & analyzes bureau data.
Underwriting
Underwriter reviews, approves and issues credit report.
Crowdfund Agreement
Borrower signs electronically.
Marketplace Publication
Opportunity is published for investor participation.
Contract & Collaterals
After collection, borrower signs; collaterals pledged.
Funds Disbursement
Amount is settled to Borrower's account after 24 hours.
REVENUE STREAMS
PROFIT SHARING
We receive a percent share of the profits earned by investors on successful investments made through the platform.
Administrative FEES
A fixed percent fee applied to the total funds raised in each campaign, covering operational costs and investor support services.
