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TERM INVESTMENTS (WAKALA FOR INVESTMENT)


Wakala refers to a contract where an investor authorizes an entrepreneur (Al-Falaah) to do certain financial transactions on his/her behalf. It is a contract of agency where Al-Falaah will act as an agent of the investor, while charging a fixed management fee (Wakala Fee). The profit of the Wakala will be shared according to a mutually pre-agreed profit rate. If the agent succeeds in generating a surplus (higher than agreed profit rate), he/she may retain it as agreed on the Wakala Agreement. Benefits at a glance: Higher profits, Highest Safety and Security Long term financial planning.

Wakala Investments, while providing an alternative to fixed or term deposit methodology, gives the investor a path to plan out investment returns and financial security.

  • Higher profits
  • Highest Safety and Security
  • Long term financial planning
  • Corporate Fixed deposits
PeriodMonthlyAnnuallyMaturity
Months
Rate
AER
Rate
AER
Rate
AER
1
18.00%

19.56%

-
-
18.00%


19.56%


3
18.00%


19.56%


-
-
19.50%


20.97%


6
18.25%



19.86%


-
-
20.00%


21.00%


12
19.00%

20.75%


21.00%

21.00%


21.00%

21.00%


13
19.00%

20.75%


-
-
21.00%


20.83%


18
19.00%

20.75%


-
-
21.00%


20.03%


24
18.50%



20.15%


20.00%

20.00%


20.00%


18.32%


36
16.75%

18.10%


18.00%


18.00%


18.00%


15.48%


48
16.75%

18.10%


18.00%


18.00%


18.00%


14.52%


60
16.75%

18.10%


18.00%


18.00%


18.00%


13.70%


PeriodMonthlyAnnuallyMaturity
(Months)
Rate
AER
Rate
AER
Rate
AER
1
18.00%

19.56%
-
-
18.00%


19.56%


3
18.00%


19.56%
-
-
19.50%


20.97%


6
18.25%


19.86%


-
-
20.00%


21.00%


12
19.50%


21.34%


21.50%


21.50%


21.50%


21.50%


13
19.50%


21.34%


-
-
21.50%


21.32%


18
19.50%


21.34%


-
-
21.50%


20.48%


24
19.00%


20.75%


20.50%


20.50%


20.50%


18.74%


36
17.25%


18.68%


18.50%


18.50%


18.50%


15.85%


48
17.25%


18.68%


18.50%


18.50%


18.50%


14.85%


60
17.25%


18.68%


18.50%


18.50%


18.50%


14.00%


MonthsWakala FD APR
Simple Rate % p.a. Monthly Profit
Wakala FD APR
Simple Rate % p.a. Annual Profit
Wakala FD APR
Simple Rate % p.a. Maturity Profit
1
-
-
13.71%
3
13.91%
-
14.83%
6
14.35%
-
15.33%
12
15.66%
16.83%
16.83%
13
15.66%
-
16.83%
24
16.30%
17.58%
17.58%
36
16.73%
18.08%
18.08%
48
16.73%
18.08%
18.08%
60
17.59%
19.08%
19.08%