Murabaha Financing (Trade & Retail)

Overview: Cost‑plus sale. The bank purchases an identified asset and sells it to the customer at disclosed cost plus an agreed profit, payable in installments.

Steps:
1) Customer requests financing and identifies goods.
2) Bank purchases the goods; ownership and risk pass to the bank.
3) Bank sells to customer at cost + profit; price is fixed and disclosed.
4) Customer pays in agreed schedule; securities may apply.
Use Cases: equipment, vehicles, consumer goods.