What is Community-Based Financing?
Based on DSN MUI's Fatwa

Based on DSN MUI Fatwa
Number 117/DSN-MUI/II/2018
Community-based financing is a financing provided to community members who need financing, with the payment scheme coordinated through the coordinator/community administrator.
Community-Based Financing in ALAMI
A financing which is provided to community members (ecosystem) with payment schemes coordinated through community administrators.

1mio - 2bio
Financing Amount

16.5 - 22%
Margin/Ujrah (effectively p.a.)

1 - 3%
Service Fee (Per Disbursement)

30 - 180DAYS
Tenor

In the end of the tenor
Repayment

Murabahah
Akad Used
Community-Based Financing Scheme
in ALAMI
Community-Based Financing Scheme in ALAMI

Apply Financing
Beneficiary cooperates/becomes a member of ALAMI's partners and applies for financing
Analyze Submission
ALAMI's partners forward the submissions to be analyzed by ALAMI. If approved, ALAMI will offer the project to the Funders
Funding
A funding project will appear at ALAMI. Funders will provide funding
Invoicing
When a funding project is full, ALAMI disburses the funds to the Beneficiary through ALAMI's partners
Repayment
Beneficiary returns funds to ALAMI through ALAMI's partners