Partnership model
You act as Rab al-Maal, the capital provider. ZARI acts as Mudarib, the managing partner. Profit is split by the ratio accepted at subscription.
Term Deposits
Mudaraba deposits for patient capital.
A ZARI Term Deposit is structured as a Mudaraba partnership: you provide capital, ZARI manages the investment activity, and realised profit is shared using a pre-agreed ratio.
Fixed tenor
Contract
Mudaraba
Tenors
90-1095 days
Distribution
At maturity
Expected return
8-12% p.a.
Product structure
Built as a real contract, not a marketing wrapper.
Weighted profit logic
Profit distribution can account for tenor, amount, and subscription date so investors entering the pool at different times are treated consistently.
Locked investment account
Funds are moved from your available balance into a locked investment account. Early exit may be restricted or subject to product rules.
Real reporting
Contract PDFs, transaction references, and profit calculations are stored so the investment can be reviewed by the investor, operations team, and Shariah reviewers.
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Term discipline
Choose a tenor aligned with your goals, then let the product run through maturity.
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Profit-sharing ratio
The split is documented up front; ZARI does not disguise interest as partnership income.
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Maturity workflow
At maturity, profit is calculated, posted, and made available for withdrawal or reinvestment.
Investor terms
What you see before you subscribe.
Who it suits
Investors with a clear time horizon who can leave funds committed until maturity.
Important risk
Profit depends on realised activity. Capital loss may occur unless caused by ZARI negligence, misconduct, or breach of mandate.
Ready to move from intention to action?
Create your ZARI profile, complete KYC, and review every contract before a single XAF is committed.
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