Murabaha is one of the common Islamic finance contracts. It is particular kind of sale where UCB expressly mentions the cost of sold commodity it has incurred, and sells it to the Customer by adding some profit.

If you are looking at financing for purchas e of raw material, goods and merchandising as well as export financing and Import financing, then Murabaha is best suited for you.

Musharaka is a partnership between UCB and the business client to fund a new project or to provide additional funds for an existing one. It conforms to the underlying partnership principles of sharing the profit and risk. It is normally of limited duration, with profits divided on a pre determined basis, and losses shared in proportion to the capital contribution.

Istisna is a special type of sale transaction where the buyer places an order with the seller to manufacture certain asset and upon delivery of the asset to the buyer the sale is completed.

This facility is an ideal option for corporations who se substantial portion of overheads is related to production.

Salam is a contract of Sale where the Seller undertakes to supply some specific commodity to the Buyer at a future date in exchange for a price fully paid in advance. Hence, the price is p aid in cash whereas delivery of the purchased Goods is deferred.

Ijara is a distinctive solution, where UCB buys capital equipment or property and leases it out under rental installments plans to clients. Under the Ijara with the Promise to Transfer Ownership, the original position of the asset shall be the sole property of the lessor (UCB), and after the expiry of the lease period the lessor transfers the asset to the Client either as a gift, or through a sale.