The injected resource aims to increase the bank's intervention capacity and to structure the growth of its dedicated Islamic finance division, a segment seeking greater visibility within the national banking landscape.


According to explanations by Hassoumi Alhadji Farikou, Director of Islamic Finance at the bank, the mobilized funds are intended to support key sectors such as trade, agriculture, livestock, transport, as well as the fabric of small and medium-sized enterprises and industries. The promoted approach relies on strict ethical principles rooted in Sharia, eliminating any ambiguity regarding the destination of the services offered. Access to these alternative solutions remains open to all viable project holders, regardless of their religious convictions, with evaluation based exclusively on the productive nature of the financed activity and the transparency of transactions.


To meet the specific needs of investment diversification, the offering is based on instruments adapted to the requirements of risk management and profit-sharing. Murabaha positions itself as a mechanism based on sale, where the bank purchases in advance the desired good on behalf of the client before reselling it with a pre-agreed profit margin. Parallelly, Ijara resembles a leasing formula allowing the use of tangible or immovable assets, with a potential option for transfer of ownership at the end of the term. Through these levers, the institution aims to confirm its role as a catalyst for sustainable economic development.


BCN

Tags: finance islamique cca-bank facilité crédit 10 milliards f cfa mourabaha ijara pme pmi économie durable principes charia instruments financiers