Sahis Finance

Contact
Français FR Français English EN English العربية AR العربية

Services

Financial solutions that align with your values and are tailored to your needs

Islamic Finance

Our financing solutions are designed to support your projects without the use of interest (Riba), in full compliance with Shariah.

Our Financing Products

Murabaha is a contract under which Sahis Finance purchases, at your request, an asset (equipment, merchandise, raw materials) and resells it to you at a profit margin that is known and agreed upon in advance.

The customer makes payments according to a set schedule, typically in the form of fixed monthly installments.

Advantages

  • Complete price transparency
  • No interest charged
  • Clear repayment plan
  • Easy access to equipment

Use Cases

  • Purchase of professional equipment
  • Purchase of commercial inventory
  • Agricultural or industrial equipment

Mudaraba is a partnership in which Sahis Finance provides the capital needed to carry out a project, while the client contributes their expertise and handles the management.

Profits are shared according to a predefined agreement.

Benefits

  • No initial capital required
  • Fair profit sharing
  • Encourages entrepreneurship
  • Management support

 

Use Cases

  • Business startup
  • Innovative projects
  • Business Activities

Musharaka is a partnership in which Sahis Finance and the client jointly finance a project.

Profits and losses are shared between the parties according to a defined agreement.

Advantages

  • Risk-sharing
  • Direct collaboration
  • Mutual commitment
  • Strengthening the project

 

Use Cases

  • Business Development
  • Real Estate Investment
  • Business Expansion

Our Savings Products

Sahis Finance offers Shariah-compliant savings solutions, enabling everyone to safeguard their assets while benefiting from investment opportunities within an ethical and transparent framework.

Our savings products are based on Islamic principles that ensure the absence of interest and promote responsible management of funds.

The Mudaraba investment account allows customers to deposit their funds with Sahis Finance.

These funds are then invested in Shariah-compliant projects. The profits generated are shared between the client and Sahis Finance according to a predefined agreement.

Benefits

  • Potential returns on savings
  • Professional fund management
  • Transparent profit sharing
  • Full compliance with Islamic finance principles

Who is it for?

  • Individuals looking to grow their savings
  • Clients seeking a halal solution

The Wakala account is a mandate under which the client entrusts Sahis Finance with the management of their funds.

Sahis Finance invests these funds in Shariah-compliant projects in exchange for clearly defined management fees.

Benefits

  • Delegated management
  • Complete transparency
  • Ease of use
  • Shariah-compliant investments

Who is it for?

  • Clients who wish to delegate management
  • Savers looking for simplicity and security

Unlike traditional systems, your savings with Sahis Finance are used in real projects that benefit the economy and comply with Islamic principles.

Our Investment Products

Sahis Finance offers investment solutions focused on economic development by financing Shariah-compliant activities that create value for society.

Halal investment funds allow you to invest in sectors that comply with Shariah principles, excluding any prohibited activities.

These investments contribute to the development of economic projects while respecting your beliefs.

Benefits

  • Ethical investing
  • Contribution to local development
  • Diversification
  • Religious compliance

Who Is It For?

  • Responsible investors
  • Companies and individuals
 

Our payment products

Sahis Finance offers modern, secure, and Shariah-compliant payment solutions to facilitate your day-to-day operations.

Payment card

Shariah-compliant cards for your daily payments, with complete security.

Transfers and remittances

Transfer your funds quickly and transparently, in Mali and internationally.

Investment

Pay for your purchases and manage your funds from your phone, in just a few clicks.

Our Surety Bond Products (Kafala)

Sahis Finance offers its clients a range of guarantees (Kafala) designed to secure their contractual obligations, whether in public procurement, commercial transactions, or customs operations. These guarantees are structured in strict accordance with the principles of Islamic finance.

Bid Bond

With a bid bond, you can participate in bids by assuring the contracting authority of your commitment to fulfill the contract if you are awarded the contract.

Performance Bond

Use a performance bond to reassure your client of your ability to complete the work, services, or supplies in accordance with the terms of the contract.

Start-up Advance Deposit

With the start-up advance deposit, you can secure the funds needed to launch your projects while providing your client with a guarantee of security.

Retention Bond

With a retention bond, you can immediately recover the amounts withheld from your statements while maintaining the guarantee required by your client.

Other Security Deposits

In addition to the guarantees mentioned above, we also offer other types of guarantees, including customs guarantees, payment guarantees, removal credit guarantees, and down payment refund guarantees.

Personalized Support

Each guarantee application is reviewed on a case-by-case basis by the Sahis Finance team to ensure we offer the solution best suited to the nature of your commitment and your industry. For additional information or to submit an application, please contact your dedicated advisor or our guarantee department.